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Personal financial literacy is important — no ifs, ands, or buts.
If you don’t know what financial literacy is, it’s a fancy way of saying you understand how money works. And, more importantly, you know how to make money work for you.
To be financially literate means you have the knowledge and skills you need to apply smart decision making when earning, borrowing, and investing your cash. Without it, managing your finances becomes a lot harder, and you may be more likely to make decisions that threaten your financial well-being.
Unfortunately, many Americans struggle with financial decision making. So, it might be good to take a moment out of your day to brush up on some of the basics. The MoneyKey guide to financial literacy goes over commonly misunderstood terms and concepts to help you make the right decisions.
Personal Financial Literacy Term No. 1: Compound Interest
To understand compound interest, we’ll need to breakdown simple interest first.
You’re probably familiar with this type of interest. You may have heard it if you’ve ever taken out an online loan or opened a savings account.
Here’s an example of how it works. Let’s say you have an investment of $100, and it comes with annual simple interest rate of 10 percent. Ten percent of $100 is $10. That’s $10 you’ll earn each year for however long you keep your investment.
- After one year, you would earn $10, to bring your total to $110.
- After two years, you would earn an additional $10 on the same $100, which would bring your total to $120.
- After three years — yep, you guessed it — you would earn an additional $10, which would bring your total to $130.
Anyone who’s handy with numbers will notice simple interest applies strictly to the initial principal of $100. At an interest rate of 10 percent, you’ll only ever earn $10 each year, regardless of how big your investment grows.
How is compound interest different?
With compound interest, you’re earning interest on more than just the principal. You’re earning interest on top of interest earned, too.
Assuming you still have that $100 investment, and the annual compound interest rate is 10 percent, it would look like this:
- After the first year, you would earn $10 to bring your total to $110.
- After the second year, interest is calculated on the new total of $110. Ten percent of $110 is $11, bringing your new total to $121.
- After third year, interest is calculated on the new total of $121. Ten percent of $121 is $12.1, bringing your total to $133.10.
Why does compound interest matter?
Compound interest has a profound affect on what you earn on investments. The bigger your investment grows, the bigger your interest payments become.
This means you may be earning more money with compound interest as opposed to simple interest if you can snag a high-yield savings account or specialized investment that uses compound interest.
But don’t forget, compound interest applies to more than just your investments.
Knowing how compound interest works is critical when shopping around for any loan, as you’ll be able to calculate how much you’ll owe on top of your principal.
Use an interest calculator if you’re unsure
Don’t worry — nobody expects you to be able to calculate compound interest off the top of your head. If you’re not sure how much compound interest will be on a deposit or online loan, use an interest calculator to help.
Sometimes, your bank or lender will crunch the numbers for you, too.
Here at MoneyKey, we go out of our way to outline how much interest applies to installment loans and payday loans online. You’ll see the breakdown in your loan agreement should you ever apply and be approved for a loan.
Personal Financial Literacy Term No. 2: Inflation
Inflation is a stuffy economic principle describing the general increase of prices and cost of living as time goes on. It also describes how the value of your money — or what’s called your purchasing power — decreases over time.
How does inflation affect you?
You don’t have to go back generations to see the effects of inflation. You can see it happening in real time whenever a store increases their prices.
An example is Starbucks. In the last year, the coffee company raised its prices by 1–2 percent to account for inflation.
A drip coffee that was around $1.95 two years ago may now cost around $2.15. Not only is a takeout coffee more expensive, but the money in your wallet now buys less in your favorite café.
For a more generalized view of inflation over time, you can see how the value of your money has changed by using the Bureau of Labor Statistic’s inflation calculator. This inflation calculator helps put the gradual increase in prices into perspective.
Why does inflation matter?
Understanding how inflation affects your money can help you prepare for the effects.
A good way to counteract inflation is by saving money in an account with a high compound interest rate. If you’re lucky, you’ll find savings accounts and other investments that promise higher returns than the rate of inflation.
This is especially helpful for long-term savings goals like retirement. You’ll want to make sure the money you earn in your 30s and 40s is valuable enough to support you in your 70s and 80s.
Personal Financial Literacy Term No. 3: Household Budget
Nobody wants to make a mistake with their money, but things happen. You might make a poor investment in a business that never takes off. You may lend money to a friend who never pays you back. Or maybe you take out a loan that you can’t afford.
The list of money mistakes goes on and on. But if you make one, your poor decisions may leave you with less cash than you need to face your living expenses.
A household budget may be able to help protect you from these mistakes. One of the better types of household budgets are typically a financial document that tracks your cash flow, showing you where your money is coming and going each month. It gives invaluable insights into the cost of running your household and how you’re spending your money day-to-day.
You may use this information to make positive changes to your living expenses or spending habits. By understanding how much money you need to cover your living expenses, you have a better chance of withholding enough of each paycheck to cover your bills.
By understanding how you typically spend your cash, you may also spot bad spending habits that have been stopping you from saving. If you eliminate enough of these bad habits, you can keep your summer budget in check. Any cash you manage to free up can go towards your savings.
Personal Financial Literacy Term No. 4: Credit
In the financial world, credit generally has two meanings.
- It may refer to a variety of loans consumers take out
- Credit may also refer to your history as a borrower
What kinds of credit are there?
Let’s start with the first definition. Credit is a broad term, but it’s generally a contractual agreement between a borrower and a lender, where a borrower gets something of value now with the agreement that they will repay the lender at a later date. This generally comes with interest.
There’s a wide variety of credit available. Some of the most popular types of personal loans include installment loans, student loans, and mortgages. Each one caters to a specific need and financial profile.
For example, you would take out a mortgage if you plan on buying a house, but you would take out an installment loan if you need help repairing a cracked window in your home and don’t have the savings to cover the cost.
Most lenders will look at your financial profile to determine the risk of lending to you. Some of the things they review are your income and employment history to ensure you have the means to pay back a loan.
What is a credit score?
This brings us to the second definition of credit, or your history as a borrower. Your credit history and score are important factors guiding lenders’ decisions to lend to you.
Your credit history is a record of the loans and credit cards you’ve taken out in the past seven to ten years. This history only includes the credit activity that has been reported to credit bureaus, as not all lenders do this. Your credit report shows insights into your performance as a borrower — like how often you pay your bills on time and how big of a balance you keep on your credit card.
Your credit score is a three-digit number representing your credit history. Scores fall into a credit rating range spanning 350–850.
The country’s most popular credit rating system, FICO, break downs this scale into five categories. The following table shows you their ranges:
750 – 850
700 – 749
650 – 699
550 – 649
549 – 350
If you have a score of 350, you have bad credit. And if you have a score of 850, you have excellent credit.
More likely, your score is somewhere between theses two extremes. Only a small percentage of people fall in the lowest and highest scores.
What credit score do you need?
Generally, many traditional lenders want to see you have a fair credit score or higher. This tells them you generally don’t max out your credit cards and that you typically pay your bills on time.
In other words, it shows you’ve handled credit responsibly in the past. From this, they assume you’ll manage their loan just as well, so they see you as less of a risk. As a result, they may approve your loan application and potentially offer you lower interest rates.
If your score dips below fair, you may have trouble finding loans from mainstream lenders. Traditional lenders may see your credit history and deem as you too much of a risk.
However, there may be some exceptions. There are some lenders that are willing to look beyond your credit history by offering personal loans for poor credit.
What are personal loans for poor credit?
Personal loans for poor credit include any financial product or service that offers an opportunity to people who typically may not be approved for traditional borrowing options.
Lenders of these types of personal loans may check your credit, but may not have very high restrictions on your score.
Instead, they look at things like your income and employment history to determine if you can afford these types of personal loans.
- Cash Advances: A cash advance is typically a short-term cash loan from a financial institution. These options may be used if someone needs help covering an unexpected and urgent expense between paychecks.
- Lines of Credit and Credit Cards: Some lenders offer credit cards or lines of credit to borrowers with poor credit. These cards often have lower credit limits and higher interest rates than other options.
- Installment Loans: These personal loans may help you make a big purchase or take on essential repairs. Unlike cash advances, you generally repay an installment loan over a series of scheduled payments or installments.
These types of personal loans may be easier to access with poor credit. However, they may come with higher interest rates and fees.
As a result, it’s important to apply for these types of personal loans only in emergencies.
Why is Personal Financial Literacy Important?
Personal financial literacy shows you how the financial system works, so you have the skills to make decisions that maximize your financial success. It gives you the skills to manage your money well and with intention, regardless of how much money you have.
You’ve already started your education today. Keep your eyes peeled for MoneyKey’s next post raising awareness of the importance of financial literacy. There’s a lot more to share when it comes to financial literacy, and we intend to help you every step of the way.
Posted in: Financial Tips

domain: finance


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Masterpiece Streaming Second Single
After streaming "Revenge" recently, Brazilian metal band Masterpiece is back with another single from its upcoming album "Heirs of Freedom." This second single is for the track "Mr. Disgrace," which you may also get the lyrics to by going here. The album “Heirs of Freedom” was released via Digmetalworld. It was produced, recorded and mixed by Regisson Silva at RVB Records and mastered by Caio Duarte at BroadBand Productions, both in Brazil. The cover art it was designed by Denisson Silva.
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domain: artistic


text: Mark Wahlberg, along with “Ted” co-stars Mila Kunis and Giovanni Ribisi and director Seth MacFarlane, cocktailing and dining at Alma Nove, the Hingham eatery owned by Mark’s big bro, Paul . . . Mayor Tom Menino, Suffolk Construction cheese Peter Welsh, Celtics radio man Cedric Maxwell, WAAF-FM morning man Greg Hill and SunLife Financial’s Jeff Sullivan feasting at the opening of Del Frisco’s Double Eagle Steakhouse on Liberty Wharf (the event raised $20,000 for Camp Harbor View) . . . Neil Young doing the seafood thing in the Board-O room at Legal Sea Foods in Park Square . . . U.S. Sen. Scott Brown and wife Gail Huff taking in daughter Ayla Brown’s show in the Wolf Den at Mohegan Sun . . . Boston Bruins Ice Girls skating into Children’s Hospital to decorate eggs with patients and deliver Easter treats . . . Celtics guard Delonte West getting a haircut from celebrity snipper Monster 99 in his New York hotel room before Game 3 of the Celtics-Knicks playoff series . . . Ray Allen’s All-Star mom Flo Allen-Hopson treating her galpals to the sold-out Boyz II Men show at the Wilbur Theatre . . .

domain: news


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They're not supposed to show prison films in prison. Especially ones that are about escaping.
No written law has been more binding than unwritten custom supported by popular opinion.
It is impossible to go through life without trust: That is to be imprisoned in the worst cell of all, oneself.
No obligation to justice does force a man to be cruel, or to use the sharpest sentence.
A man will be imprisoned in a room with a door that's unlocked and opens inwards, as long as it does not occur to him to pull rather than push.
On a planet that increasingly resembles one huge Maximum Security prison, the only intelligent choice is to plan a jail break.
Those magistrates who can prevent crime, and do not, in effect encourage it.
No man survives when freedom fails. The best men rot in filthy jails, and those who cry 'appease, appease' are hanged by those they tried to please.
A Sunday school is a prison in which children do penance for the evil conscience of their parents.
Overlook our deeds, since you know that crime was absent from our inclination.
Written laws are like spiders' webs, and will, like them, only entangle and hold the poor and weak, while the rich and powerful will easily break through them.
It is true you cannot eat freedom and you cannot power machinery with democracy. But then neither can political prisoners turn on the light in the cells of a dictatorship.
In prisons, those things withheld from and denied to the prisoner become precisely what he wants most of all.
Experts and the educated elite have replaced what worked with what sounded good. Society was far more civilized before they took over our schools, prisons, welfare programs, police departments and courts. It's high time we ran these people out of our lives and went back to common sense.
What restrains us from killing is partly fear of punishment, partly moral scruple, and partly what may be described as a sense of humor.
It is more dangerous that even a guilty person should be punished without the forms of law than that he should escape.
Why would anyone expect him to come out smarter? He went to prison for three years, not Princeton.
Mere factual innocence is no reason not to carry out a death sentence properly reached.
Crimes lead one into another; they who are capable of being forgers are capable of being incendiaries.
When I was in prison, I was wrapped up in all those deep books. That Tolstoy crap - people shouldn't read that stuff.

domain: sociology


Are you looking for a way to save some money on your utility bills at your office?
We encourage you to look into using occupancy sensors to benefit from greater automation of your lighting throughout your facility. Studies show that lighting can account for 20 percent of energy use in an office building. The use of lighting controls like occupancy sensors can reduce that amount by 25 percent, which, over a number of years, can add up to some significant savings.
Occupancy sensors are not a particularly new feature for electrical lighting installation in Alexandria, VA, though the technology has certainly become more sophisticated over the decades. If you have been under the assumption that occupancy sensors don’t work well or can be an inconvenience, you are likely basing that off of the outdated, inferior sensor technology. Today’s sensors will almost completely eliminate issues of lights turning off while occupants are in the room but sitting still, which had previously been the most common complaint associated with these sensors.
Here’s a quick sampling of some of the types of technology used in today’s occupancy sensors.
Ultrasonic motion detection
Ultrasonic technology is ideal for locations in which there are small movements that occur over extended periods of time, such as a person typing at a computer. The technology involves the release of a pulse into space, and that pulse bouncing back. If there is movement in the space, the bounce-back comes with a different reading, and the sensor will then know there is movement. The sensor is also capable of reading these pulses around corners. This technology does have slightly higher power requirements, but it is highly effective at reading what might otherwise be considered minute movements.
Passive infrared motion detection
Passive infrared (PIR) sensors are ideal for detecting major sources of motion, such as a person walking through space. It works by tracking heat sources and their movement when in direct range of view of the sensor. These sensors are less expensive and have lower power requirements.
Dual-tech motion detection
This type of sensor comes at a higher price, but also gives you greater flexibility, as it detects both major and minor movements as described above. Occupancy sensors will not turn on the lighting until both PIR and ultrasonic elements in the system have been triggered.
The most holistic occupancy sensor setups will make use of each type of technology as much as possible. There might, for example, be hallways in your building where PIR sensors are more than sufficient for your needs. Rarely will you have a person just sitting in the hallway for long periods of time, so it makes sense to use PIR technology there.
Office spaces that are actively used throughout the day, however, are better served by ultrasonic or dual-tech motion detection to track those smaller movements.
For more information about how you can make effective use of motion detection and occupancy sensors, contact Walsh Electric to discuss your electrical lighting installation in Alexandria, VA.


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We're 'feeling good'!
We're delighted that Exton and Greetham CE Primary School has maintained its "good" ranking and garnered many positive comments following its latest visit from the education watchdog. Inspectors found "The school prepares pupils well as they move through the Early Years, Foundation Stage, Key Stage 1 and Key Stage 2". Inspectors particularly commended "the warm and welcoming atmosphere that values all pupils. Attractive displays, an emphasis on the arts and good use of resources all add to the good teaching observed."
Because the school is small, the children, aged from 4 to 11, learn to mix socially and academically with students outside of their own year group. Indeed the report comments on the youngest children making "good progress in their personal, social and emotional development and learn well from being in a class with pupils from year 1 and 2" and praised the "deeply caring environment and thorough understanding that all adults have of individual children's needs."
We are proud of all the achievements and the work that the children do within the school community and beyond. The report notes, "The school seeks to work with the wider community and is involved in raising funds for the local church and different charities. The school is proud of being the only recipient in Rutland of a national singing award."
We are delighted that Ofsted recognised the many wonderful things that happen at our school. We are a small village school who pride ourselves on our family ethos. The school has been recognised as a good school with well-behaved, hardworking children and supportive staff and governors. As a small school national test results can be affected by individual children, and it is great that the inspectors recognised how we work with every individual to ensure that the all reach their personal potential.


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RIP Ralph Baer
I really, really hate writing obits. I really do. But I take it as a personal honor to be able to say good things about the men and women I respect, whether in this industry or just in my life, and Ralph Baer is the reason all of this exists in the first...
Ok let me just flat out say, this game is the crappiest piece of crap that was ever crapped out. Tommy is a stupid character too! Yes this game has good graphics, but this is like the 24th game to use the Doom 3 engine. I think if these people wants to play with the big boys in the next generation, they need to start thinking out of the box.

domain: game


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text:
- Thursday, January 01, 2004
- Appetizers-Side Dish
- 8 servings, 1 cup each
- 3 cups water1 can (14.5 ounces) 99% fat free beef broth
1 can (14.5 ounces) Italian style tomatoes, diced
1 tablespoon instant beef bouillon granules
1/2 teaspoon dried basil, crushed
1/2 teaspoon dried oregano, crushed
1 package (1 pound) loose-pack frozen broccoli, cauliflower, and carrots
1 package (9 ounces) three cheese tortellini
- 1. In a medium saucepan combine the water, beef broth, undrained tomatoes, bouillon granules, basil, and oregano. Bring to a boil.
2. Stir in frozen vegetables and tortellini.
3. Return to boiling, reduce heat, simmer uncovered for 7 minutes or until tortellini are tender.
- Nutrition Facts:
- 120 calories, 20g carbohydrate, 6g protein, 2g fat, 1g saturated fat, 5mg cholesterol, 4g dietary fiber
- St John Medical Center

domain: food


text:
Debt limit gives GOP leverage, Obama demands fix
WASHINGTON — The political fight that took the nation to the verge of defaulting on its debts last year is back, overshadowed by "fiscal cliff" disputes but with consequences far graver than looming tax hikes and steep spending cuts.
The government is on track to hit its $16.4 trillion borrowing limit later this month. And while the Treasury can keep the government functioning through early next year, President Barack Obama is bluntly insisting that any deal on the fiscal cliff include an end to brinkmanship on the debt ceiling.
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Mason singer looks forward to what comes next after 'The Voice'
This is has been a year unlike any other for 18-year-old Michael Williams.
Williams sent an audition video to producers of NBC's "The Voice" last year and made his first appearance on the show March 8.
He joined Team Nick, working with first-time coach Nick Jonas, and was saved after losing his Knockout sing-off. He won the four-way singing battle against the saved singers from the other three teams to compete as one of the Top 17.
His competition in the Knockout Round on the show aired in April but it happened and was taped in January. He waited more than three months to learn the outcome.
On May 4, he learned he was in. He sang as a top 17 contestant. On May 5, he learned he had not landed in the Top Eight, but he had a chance to sing for the last slot in the top 9. He sang, America voted, and he was done.
It was a roller coaster week, an apt metaphor for a guy who last summer was singing at King's Island.
This year, he sang for a larger audience than he had ever entertained before.
His last performance on "The Voice" was "To Love Somebody," which he knew from Michael Buble's "To Be Loved" album.
Buble is an inspiration to Williams, who said he admires how the singer connects to his audience.
"When you watch and listen to him perform, I was in awe of how he kept the audience engaged," he said. "He's an amazing vocalist. I want to do what he's doing: bring joy to others and have a blast while performing."
Williams said he learned valuable lessons during his time on "The Voice."
"I have never done anything like this," he said. "So before the show, I was not as confident. But during the show I sang for successful people, for Grammy winners, for people who have won awards. Now I know I can do it under pressure.
"My coach Nick Jonas has been in the business a long time. He knows what he's talking about. It was cool being in the room with these artists. He keeps telling me to have confidence."
"And you learn so much being around the other artists. You learn what's unique about you. My voice is different. I'm classically trained.
He said he's also gotten more savvy about social media. "At first it's nerve wracking to suddenly gain all these followers from the show. But it's amazing, too. I am mindful about what I post. But it's getting easier and I'm learning."
In addition to having confidence in his craft and his talent, the best advice he's received on his Voice journey is to stay grounded. "Nothing affects you if you don't let it," he said. "And staying in the moment is also important. It has been crazy. There was excitement and disappointment but now, there is contentment."
He made a lot of contacts during his time on the show, and new friends in the music business. He is looking ahead now with optimism and hope.
"I hope to start making a name for myself," he said. "I want to find ways to reach fans and perform. I just finished my senior year. I'm writing music and I want to start performing and connecting with people.
"I want to say a huge thank you to Cincinnati for being my hometown. That hometown support is so important. My friends, family and neighbors, followers on social media, I am so appreciative."
Now that his stint on "The Voice" is over, Williams says he wants to focus on performing and building a name throughout Greater Cincinnati for his music.
"This is a beginning," he said. "It's not the end."


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Thursday’s trade saw both Kina Securities Indices on negative territories after two home stocks retreated on POMSOX session. The Main Kina Securities Index KSi withdrew 10.09 points (-0.27%) to 3,747.74 points. Likewise, the Home Index KSHi was down 144.79 points (-1.73%) to 8,204.05 points.
The day’s trading session recorded two losses versus nil gains.
Stocks unchanged for the day were led by junior cap miner Marengo Mining Ltd (MMC) at 8 toea flat followed by the leading oil and gas company Oil Search Ltd (OSH) at K19.13 even. Agmark New Guinea Product Ltd (NGP) traded at 79 toea.
On the downside, portfolio management company Kina Asset Management Ltd (KAM) closed at K1.08, down by 20 toea. Bank South Pacific Ltd (BSP) sliced off 27 toea to K7.18.
Thursday POMSoX registered a considerable volume of 1,162,883 units of shares valued at K1,357,440.09.
U.S stocks closed higher in overnight trading, shaking off a dip that came after the Federal Reserve indicated policy makers meeting about a sooner-than-anticipated increase in interest rates. The Dow Jones Industrial Average climbed 59.54 points or 0.35% to end at 16,979.13 points. In Asia, stocks outside Japan fell following a decline in Chinese manufacturing. In Japan, the Nikkei share average advanced 113 points or 0.73% to 15,568 points. Australian sharemarket ended higher after solid gains from Wall Street. The S&P/ASX 200 benchmark index added 7.20 points or 0.13% to 5,641.80 points today.


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This is really, really easy to do. (Note: you may be able to use this technique to grow other stuff in the form of a square ( actually in the form of a cube) and apply the general idea to other shapes.)
Step 1: Materials and Tools
You need 6, 8" square, 3/8" thick (or thicker) sheets of polycarbonate plastic. (Lexan)
You will need 4 gate hinges and 2 hinged clasps with flat head machine screws and hex nuts plus at least 8 or more 1" to 1-1/2" long, thin wood screws and possibly a 36" length of angle iron or aluminum angle (cut to 8" lengths to yield four pieces) if you have thinner polycarbonate, a power drill and hole saw, and a hand saw or power saw such as a jig saw.

domain: hobby


text:
Vision of Christ.
... congregations: and the seven lamp-stands are the seven congregations.""Rev.1 ... to him,
and the significance of which were explained by an angelic interpreter. ...
/.../bliss/a brief commentary on the apocalypse/vision of christ.htm
The Book of Humanity
... trying out the reading of Epistles and Gospels and exhortations before the
congregations. ... In this doctrine of the church as interpreter of scriptural truth ...
/.../mcconnell/understanding the scriptures/chapter iii the book of.htm
... the Secretary, during this session, shall act as an interpreter between the ... a more
accurate knowledge of this language, provided his congregations were willing ...
... "Now," said the Interpreter, "I have ... that from some of their ministers; for indeed
they are ministers in this, to minister ill examples to their congregations. ...
//christianbookshelf.org/bunyan/the riches of bunyan/xxii the ministry.htm
The Preacher as a False Prophet.
... even when justice is calling out on their side; and, if their congregations are
poor ... be falsehood for to-day; and only he is a trustworthy interpreter of God ...
/.../stalker/the preacher and his models/lecture v the preacher as.htm
The First General Epistle of Peter
... The fact that Mark is said to have been the interpreter of Peter does ... Kuhl defend
the position that the letter was addressed to Jewish congregations founded in ...
/.../drummond/introduction to the new testament/the first general epistle of.htm
Home Occupations and Travels in England and Wales.
... in many places from the Methodists and other preachers and their congregations. ... readily
granted his chapel, and undertook to act as interpreter should occasion ...
/.../chapter x home occupations and.htm
Letter clxxxviii. (Canonica Prima. )
... As to those who assembled in unlawful congregations, their decision was to ... Sed ut
canonicas sive sacras virgines interpreter, plurimis rationum momentis adducor ...
/.../basil/basil letters and select works/letter clxxxviii canonica prima.htm
The Historical Books. 1 the New Testament...
... the gospel, being superseded by the Greek in all the congregations of believers ... Mark,
representing the latter to have been the disciple and interpreter of the ...
/.../barrows/companion to the bible/chapter xxix the historical books.htm
The Preacher as a Man of the Word.
... No interpreter of God, perhaps, knows both languages equally well ... us now and then
with statistics of how many hearers are present in our congregations; but who ...
/.../stalker/the preacher and his models/lecture iv the preacher as.htm
Nave's Topical Index1 Corinthians 12:10,30
To another the working of miracles; to another prophecy; to another discerning of spirits; to another divers kinds of tongues; to another the interpretation of tongues:Nave's Topical Index
1 Corinthians 14:5,13,26-28
I would that you all spoke with tongues but rather that you prophesied: for greater is he that prophesies than he that speaks with tongues, except he interpret, that the church may receive edifying.
Nave's Topical Index
Interpreter in Congregations
Interpreter of Dreams
Interpreter of Languages
• Bible Dictionary
• Bible Encyclopedia
• Topical Bible
• Bible Thesuarus

domain: literature


This paper presents a fusion of ideas across disciplines to study and conceptualize decision making. Typically, decision making is approached as a cognitive process. Nevertheless, there is a growing shift in perception towards decision making as more than a cerebral activity to one being situated, embedded and embodied in the social landscape of work activities. Research addressing these aspects is still in its infancy and more work is required to develop the notions. The research presented in here makes a theoretical contribution to this shift. Taking a Computer Supported Cooperative Work (CSCW) perspective, this paper explores how decision making is articulated in the cooperative arrangement of a complex work setting. In the process, it explicates the situated, embedded and embodied nature of decision making. The paper reflects on conventional notions of decision making and demonstrates its differentiated nature during every day work performance in a real-world complex work setting.


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Increased levels of estrogen and high-fat during pregnancy can lead to a higher risk of breast cancer for your female offspring for generations, a new study from researchers at Virginia Tech and Georgetown University shows.
Lead researcher Yue Wang of Virginia Tech and his staff examined the effect of pregnant rats who were fed a diet with increased levels of synthetic estrogen and high fats. They found three generations of female offspring from these rats had a genetically increased risk of breast cancer.
According to the team, the risk is passed down not simply through DNA, but through a variation in the way DNA is decoded, making the cancer hereditary.
"We have shown for the first time that altered DNA methylations modulated by specific diet in normal development are heritable and transgenerational," Wang said.
"We also identified key methylation alteration sites that may be involved or responsible for increased breast cancer risk, which may serve as novel biomarkers for scientists to develop novel and targeted prevention strategies."
The study was published in the September 11 edition of the journal Nature Communications.
by RTT Staff Writer
For comments and feedback: firstname.lastname@example.org

domain: biology


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Five Bury St Edmunds Rugby Club players get international calls
- Credit: Archant
Five players from the region’s top rugby club have been called up for international squads, writes Becky Haywood.
Bury St Edmunds, who play in National League Two South – the highest level a club from this region has ever reached – continue to lead the way for high level rugby in Suffolk and Essex.
And the quality of their squad was demonstrated with the international calls for a number of their players.
Matt Harrison, who joined the Wolfpack this season from Quinns Academy, has been selected to play for England Academy 7s at the Dubai 7s this month.
Harrison was first spotted by the coaching team at Bury when he played for Samurai Bulldogs at the Greene King IPA 7s in May this year. He scored the winning try in the open final against Bury and was soon signed to the club.
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Meanwhile, recent Wolfpack signing Conan Osborne has also been busy representing his country – he scored the match-winning try for Jamaica 7s last month, helping them to qualify for the World Cup and Commonwealth Games.
Elsewhere, Namibian Colleen Smith returns to the Wolfpack this month following a spell representing his nation against Uruguay, earning him his 14th and 15th cap.
- 1 Machinery to be sold following the loss of 'passionate' farmer
- 2 How bride paid £1 for vintage wedding dress
- 3 5 places to avoid the crowds in Suffolk this summer
- 4 Town co-owner Bakay on future of Portman Road name
- 5 Two people injured after car flips over in east Suffolk
- 6 Town Transfer Talk: Latest on Coulson, Crooks, Bishop and Downes
- 7 Restraining order for venue boss who intimidated council leader's daughter
- 9 Band and singer pull out of Latitude Festival due to positive Covid tests
- 10 Sought-after Felixstowe beach hut sells for £88K
And Bury captain Liam McBride represented the Netherlands against Moldova and Switzerland, in matches the Dutch won 59-7 and 30-27 recently. The Kiwi is able to represent Holland as his mother was born in the country.
Finally, Zimbabwean Boyd Rouse helped his nation qualify for rugby 7s at the Rugby World Cup in 2018 by competing in the Africa Cup, earning him 14 International tournament caps in the IRB World Series. He also has 19 caps for Zimbabwe 15s.
Former English & Irish Lion Ollie Smith, Bury head coach, said: “Congratulations to Matt for securing his first England cap and to Conan, Colleen, Liam and Boyd for representing their national teams.
“It shows to quality of squad we have this year at Bury that so many are being spotted and selected to play at the very highest level.”
Bury, who sit sixth in National League Two South, lost 37-34 to unbeaten league leaders Chinnor last weekend. They travel to second-placed Cinderford this weekend.


Kolkata: Former television honcho Peter Mukherjea - now in Mumbai's Arthur Road prison - has slapped a legal notice on filmmaker Agnidev Chatterjee and his producer for their upcoming film 'Dark Chocolate', loosely based on the Sheena Bora murder case. The ... Times of India, 1 day ago
3 images for "arthur road prison in mumbai"
Suspected Lashkar-e-Toiba (LeT) terrorist Abu Jundal, who is currently imprisoned in the Central Prison at Arthur Road in Mumbai, wants himself to be shifted to the cell where former media baron Peter Mukerjea is lodged. According to The Times of India , ...Zee News, 2 months ago Abu Jundal taunts Peter Mukerjea at Arthur R... Times of India, 2 months ago
12:09 am Mumbai : Officials of Arthur Road Jail here, where former media baron Peter Mukerjea has been kept in connection with the Sheena Bora murder case, on Wednesday opposed his plea for home-made food in prison, which he has sought citing ...The Freepress Journal, 1 month ago Sheena Bora case: Indrani seeks bail on medical grounds Press Trust of India, 1 week ago Sheena Bora murder case: Indrani Mukerjea seeks bail on medical grounds MSN News US, 1 week ago Sheena Bora murder: Indrani seeks bail on medical grounds Yahoo! India, 1 week ago
More than 2,000 inmates of Arthur Road Jail had a field day with Ramdev on Saturday during a yoga session organised by state prisons department. Several high-profile accused, including Peter Mukerjea and Mustafa Dossa, were seen attending the ...Hindustan Times, 3 weeks ago
Three important central jails in Maharashtra, including the Arthur Road jail in Mumbai, do not have a superintendent. Sources told The Hindu that the posts of superintendent are vacant at the Arthur Road central jail as well as Thane and Taloja ...The Hindu, 2 months ago
Mumbai, Feb 9 An undertrial prisoner hurled a shoe at a judge at the sessions court here on Tuesday to vent his pent-up frustration over his long-drawn trial, officials said. Madan Chavan, accused in a 2003 robbery case, aimed the footwear at ...ProKerala.com, 3 days ago Undertrial hurls shoe at sessions judge Press Trust of India, 4 days ago PTI - ACCUSED (BES26) - Undertrial hurls shoe at sessions judge Namibia Press Agency, 4 days ago ACCUSED - Undertrial hurls shoe at sessions judge Namibia Press Agency, 4 days ago
More from: , Yahoo! India...and 1 other sources
ON JANUARY 5 this year, Ahmad Khalid Mohammad's family in Somalia wrote to his advocate in Mumbai. They pleaded to have Mohammad, currently in Taloja jail, shifted to a private hospital, and offered to pay the bills. One among the 100-odd alleged ...Yahoo! India, 2 weeks ago
Earlier, the Mumbai Metropolitan Region Development Authority (MMRDA) officials had stated that the passenger operations will commence in mid-2016. Mumbai monorail The second phase of Mumbai Monorail is likely to be completed only by September ...DNA India, 2 months ago Will steel view cutters come up outside Arthur Road jail? DNA India, 2 months ago Instal view cutters, say jail authorities Asian Age, 2 months ago Jail staff carp over MMRDA decision Asian Age, 2 months ago
Prison superintendent, who has been charged with torturing the underworld don, reveals the perks and privileges the gangster enjoyed behind bars. Abu Salem often enjoyed home-cooked meals, whilst his inmate in prison would run around doing his errands and chores, reveals the prison superintendent. Parties for fellow inmates with home-cooked food, fried chicken and a manservant. Abu Salem, the underworld don and an accused in the 1993 Mumbai blasts case, is living life king size behind bars.Rediff.com, 2 months ago 1993 Mumbai blasts accused Abu Salem living like a king in Taloja jail Mid Day, 2 months ago Mumbai blasts accused Abu Salem lives life king-size inside jail MSN News US, 2 months ago
Written by Rashmi Rajput | Mumbai | Published:January 17, 2016 4:19 am A visit to Israel has prompted the state prison machinery to include a paper on yoga across all central prisons starting this year, good performance in which will allow ...MyInforms, 3 weeks ago
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Police respond to complaint of dinosaur blocking traffic in Castlegar
In what could arguably be called an unusual set of circumstances, police responded to a complaint yesterday of a dinosaur blocking traffic on Kinnaird Bridge in Castlegar.
According to RCMP Cpl. Debbie Postnikoff, police responded at about 2:45 p.m. and found a “massive”, roughly-four-foot stuffed dinosaur that was, indeed, presenting a possible traffic hazard.
“Because of the rain, it was in pretty rough shape, so the officer removed it to his car,” she said. “It was disposed of locally.”
Police were unable to determine the origin of the dinosaur, but Postnikoff said there were a variety of scenarios that could explain its presence, such as kids playing a pre-Hallowe’en prank, or perhaps the wind blowing it off a moving truck or dump load.
Postnikoff said she has never before, in her 21 years of service, seen police respond to a call about a stuffed animal and/or a dinosaur.
“Yes, this is a first,” she said adding the take-home message for the public is, “We respond to all calls. All of them.”
The investigation is not ongoing.


Volvo A25D heavy machinery dump truck
ZUSMARSHAUSEN, GERMANY â€“ JULY 15: Construction site of the extension of A8 highway from currently 4 to 6 lanes at Zusmarshausen, Germany on July 15, 2012. Heavy machinery is used for this massive project happening in a timeframe of over 2 years.
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I haven’t done a whole lot of road-tripping lately, mostly due to the fact I’ve been preparing for my FIRST exhibition! I’m super excited to have so much of my work in one place AND have the opportunity to talk to folks about it. I printed photos on a variety of formats and sizes to showcase some of the possibilities. If you’re in the downtown Tulsa area, stop by! I’ll be around from 6:00 to 9:00 PM.
Dwelling Spaces is at 119 S Detroit Ave in Tulsa.


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Overcoming What Ails You by Helping Others
By Georgianna Donadio, MSc., PhD.
The groundbreaking book, The Healing Power of Doing Good”, by Allan Luks and writer Peggy Payne, ushered in an understanding and renaissance of helping others. The 1991 book offers insights into the relationship between health and doing good things for other people. Peggy Luks led the first research linking emotional and physical health benefits experienced by those who help others. This was found to be particularly true of volunteers who shared similar circumstances or conditions as those they were supporting.
Marie Pagano, PhD, at Case Western Reserve University of Medicine, 20 years after Luks and Payne’s ground breaking book, had published her research on the Helper Therapy Principal (HTP) in the Alcohol Treatment Quarterly. This is based on the same principals evidenced in the work of Luks that shows when people help other people they are in essence helping themselves through the positive behavior they are enacting with their compassionate assistance of others.
HTP is especially impactful when the helper and the individual they are helping share the same or similar condition or concern. Pagano’s published research demonstrates that a wide
variety of health conditions and concerns can improve with the application of HTP.
Individuals suffering from Multiple Sclerosis who volunteered in monthly phone calls with other MS suffers showed a reduction in depression, as well as an increase in their self-esteem and self-confidence. Individuals suffering from chronic pain syndromes who volunteered to interact and counsel others experiencing chronic pain, experienced a substantial decrease in their chronic pain and depression than they had been experiencing prior to the volunteering.
One of the most well-known and well documented interventions is the Alcoholics Anonymous 12 Step program. The basis of the intervention is that individuals who have experienced alcohol issues, counsel and are counseled by others with the same condition. Alcoholics who help others have a 50% greater chance of staying sober during their first year of sobriety than those who do not. And again with this cohort of volunteers, levels of self-esteem improved and levels of depression decreased.
As Luks points out in his highly researched book, that when we incorporate helping others into our lifestyle we experience less depression, higher self-esteem, greater life satisfaction and even a longer lifespan. If you are looking for a behavior change to improve any aspect of your health or life, you may want to look for a way to help others and thereby help yourself!
Research for article – do not include in article
https://www.goodnet.org/articles/7-scientific-facts-about-benefit-doing-good an article published almost 30 years after the book was written, identified the seven scientific healing benefits of doing good. Here are the findings
- DOING GOOD DECREASES STRESS
According to a 2013 study examining the relationship between volunteering and hypertension, giving back can have a significant impact on blood pressure. Researchers found that adults over 50 who volunteered about four hours a week were 40 percent less likely than non-volunteers to have developed hypertension four years later.
Additionally, being generous can have the same effect, according to a 2010 study, which found that the less money people gave away, the higher their cortisol levels.
- DOING GOOD INCREASES LIFE-EXPECTANCY
Researchers from the University of Buffalo found a link between giving, unselfishness and a lower risk of early death. The findings show that subjects who provided tangible assistance to friends or family members (running errands, helping with child care, etc.), reported less stressful events and, consequently, had reduced mortality. In other words, “helping others reduced mortality specifically by buffering the association between stress and mortality.”
- DOING GOOD MAKES US FEEL BETTER – Ever felt a sort of “rush” after performing a good deed? That sensation is known as ‘helper’s high’and is produced when your brain releases endorphins, the feel-good chemicals of the brain. When you do something good for someone else, your brain’s pleasure centers light up, releasing endorphin and producing this high. Not to mention, doing good has also been known to generate feelings of satisfaction and gratitude.
- DOING GOOD MAKES US HAPPIER AT WORK – According to a study from the University of Wisconsin-Madison, altruists in the office are more likely to be committed to their work and less likely to quit their jobs. The researchers also found that individuals in their mid-30s who rated helping others in their work as important, reported they were happier with their life when surveyed 30 years later. Overall, the study came to an important conclusion about office altruism: those who help others are happier at work than those who don’t prioritize helping others.
- DOING GOOD PROMOTES MENTAL HEALTH – The results are in! After an extensive review of 40 studies on the effect of volunteering on general health and happiness, the BMC Public Health journal has concluded that volunteering is also good for mental health. The review found that – along with improved well-being and life satisfaction – volunteering is also linked to decreased depression.
- DOING GOOD LEADS TO HAPPINESS – “People who engage in kind acts become happier over time.” It’s that simple, according to Sonja Lyubomirsky, Ph.D, a professor of psychology at the University of California, Riverside. Lyubomirsky, who has studied happiness for over 20 years, found that performing positive acts once a week led to the most happiness. In addition, Researcher Stephen Post of Case Western Reserve University School of Medicine found that when we give of ourselves, everything from life satisfaction to self-realization and physical health is significantly improved.
- DOING GOOD WILL MOTIVATE YOU TO DO GOOD AGAIN – A 2012 study published in Psychological Science found that thinking about times you’ve helped others will make you want to help others again. The research found that reflecting on your past good deeds makes you feel selfless and want to help more, as compared to reflecting on the times others have helped you. In other words, thinking about what you’ve given others – and not only what you’ve received – will motivate you to do good again and again.

domain: medical


7.2Mbps HSDPA, WiFi, Bluetooth 2.1 + EDR Quad band GSM 850 900 1800 1900 MHz EDGE/GPRS A-GPS, Tri Band HSDPA/UMTS 850, 1900, 2100 MHz "3G" Data Network
Batery Life (Audio):
3.7v 1,150 mAh Lithium-Ion Battery.
Batery Life (Video):
Yes, 3.0 Megapixel, auto-focus with auto-white balance
4.5in x 2.4in x 0.48in (h)x(w)x(d) (LARGER than 2G!)
135(g) (4.76 oz)
iPhone Expert Comments:
There are major differences between the Apple iPhone 3G and the Apple iPhone 3GS the most talked about feature to date is the inclusion of the AAR 11 600 MHz processor in the iPhone 3GS versus the 412 MHz ARM 11 processor in the iPhone 3G. Additionally the 3GS supports OpenGL ES 2.0 whereas the iPhone 3G only supports OpenGL yes 1.1. In terms of wireless technologies the iPhone 3GS really shines in its support for 7.2 Mb space HSDPA WiFi and Bluetooth 2.1. On the other hand the iPhone 3G currently supports 3.6 Mb based HSDP a and WiFi. Apple also responds to calls for a new more durable finish on the screen with three GS they responded with a water and oil resistant finish. Space in terms of navigation or three GS really shines as it has an integrated magnetic compass which allows for live by the second updates of your bearing and direction.


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FindMyPast Fridays: New Records added 1,492,817!
Check out these new records
British Armed Forces, First World War Soldiers' Medical Records
OVER 691,000 RECORDS have been added to our National Archives' collection of medical records from the First World War. These records will allow you to discover when and where your ancestor was wounded, where they were treated and how long they were held at the medical facility for treatment. Images may provide a variety of additional details such as their service history and a description of the wound.
United States Deceased Physician File (Ama), 1864-1968 Image Browse
OVER 707,000 RECORDS Explore images of the deceased physician card files from the American Medical Association (AMA). The card files comprise biographic records of deceased physicians in the United States and a few from Canada from 1864 to 1968.
Additional Records For Existing Sets
United States Marriages
Total records: 190,557,044
Covering: Indiana marriages 1818-1920
Discover: The couple's full names, ages, marital status, marriage date, marriage location, and parents' names
Periodical Source Index
Titles updated: Daughters of the American Revolution Magazine/American Spirit, Fitchburg Historical Society Proceedings, Genealogical Advertiser, Genealogical Magazine & Genealogical Quarterly Magazine
Covering: National and regional American history
Discover: Articles, photos, and other genealogical material you might not find using traditional search methods
FACTS AND FINDS
Our collection of First World War Soldiers' Medical Records comprises The National Archives’ series, MH106, War Office: First World War Representative Medical Records of Servicemen. Only a sample of the original documents was retained and these records are a representative selection of the full collection of medical records created during the war. The records include admissions and discharge records from hospitals, field ambulances, and casualty clearing stations. You will also find records from Queen Alexandra’s Military Hospital before the First World War, dating from 1910. A full list of the hospitals and medical facilities represented in the records can be found at the end of the search page.
The medical records were collected by the Medical Research Committee and then given over to the British Museum. In 1931 they were used for statistical research when Thomas John Mitchell and G M Smith published "Medical services: Casualties and medical statistics of the Great War from the data gathered from these medical records."
Does your family tree have roots in South West England? Next week's update will feature a variety of new records from the rural county of Wiltshire.
To search for your First World War ancestors in our collection of British military service records. Findmypast is the only family history website to have service records for all the service branches of the British Armed Forces: The Army, Royal Navy and Royal Air Force.
Findmypast Limited, registered in Delaware.
Corporation Trust Center, 1209 Orange Street, Wilmington, DE 19801, USA
Postal Address: findmypast.com, 151 East 1700 South, Suite 200, Lehi, UT 84606, US

domain: library


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text:
Thanks to Ojai bicycle/pedestrian advocate and OVGC Transportation Comittee member John van Houten, M.D., for calling my attention to this article.
This is the best news for making Ojai a model bicycle/pedestrian friendly city that I've seen in years. It will help us move forward in implementing the Bicycle and Pedestrian Master Plan that the City of Ojai adopted over ten years ago.
Here are some excerpts-- a link to the entire article appears at the end.
Feds Deem Pedestrians, Cyclists and Motorists Equals
At long last, the feds have said the needs of pedestrians and cyclists must be placed alongside, not behind, those of motorists.
In what amounts to a sea change for the Department of Transportation, the automobile will no longer be the prime consideration in federal transportation planning. Transportation Secretary Ray LaHood says the needs of pedestrians and cyclists will be considered along with those of motorists, and he makes it clear that walking and riding are “an important component for livable communities.”
“People across America who value bicycling should have a voice when it comes to transportation planning,” LaHood wrote on his blog. “This is the end of favoring motorized transportation at the expense of non-motorized.”
He goes on:
We are integrating the needs of bicyclists in federally-funded road projects. We are discouraging transportation investments that negatively affect cyclists and pedestrians. And we are encouraging investments that go beyond the minimum requirements and provide facilities for bicyclists and pedestrians of all ages and abilities.
LaHood’s announcement came on the heels of his appearance at the National Bike Summit, where he was greeted like a rock star and told the crowd, “Our mission is the same as your mission,” and “I think we’re beginning to put our money where our mouth is on these issues.”
What his policy statement effectively says is multimodal transportation (meaning pedestrians and cyclists) will be an “equal” part of all new infrastructure projects getting funding from Washington.
Walking and bicycling foster safer, more livable, family-friendly communities; promote physical activity and health; and reduce vehicle emissions and fuel use,” reads the introduction to the policy statement. “Legislation and regulations exist that require inclusion of bicycle and pedestrian policies and projects into transportation plans and project development. Accordingly, transportation agencies should plan, fund, and implement improvements to their walking and bicycling networks, including linkages to transit.”
“This is an issue that has been ignored far too long, even as thousands have died or been injured unnecessarily just by doing something as simple as trying to cross the street,” James Corless, director of Transportation for America, said in the T4A blog. “We thank Secretary Lahood for his leadership at DOT and for elevating this urgent issue to the level of prominence that it deserves.”
To view the entire article/photographs click here:
Related Links (cross-posted on the OjaiPost)
It's About the Bike: A Doctor's Prescription for a Healthy, Wealthy and Green Ojai
Guest Editorial by John van Houten, M.D.
Link to this quote: "People across America who value bicycling should have a voice"
Ojai Valley Green Coalition Transportation articles
Note: The Ojai Valley Green Coalition Transportation Committee meets the first Wednesday of the month at Pappa Lennons (outside court yard area) 515 W El Roblar, across the street from the Project Ride bike shop. Our next meeting date is April 7 at 4:00 pm. If you cannot make it to the meeting but would like to join the OVGC Transportation Committee please e-mail Sfrancina@aol.com
Posted by Suza Francina, Chair, Ojai Valley Green Coalition Transportation Committee

domain: politics


text:
Man charged with negligent hunting in shooting of nephew
Maryland Natural Resources Police have charged a Cecil County man with negligent hunting in the shooting of his nephew in western Maryland.
Spokeswoman Candy Thomson said Tuesday that police issued the citation to 65-year-old Tracey Duvall of Rising Sun. She says officers also confiscated Duvall's 12-guage shotgun.
Jason Duvall, 39, was in stable condition Tuesday at a Cumberland hospital.
Thomson says he suffered wounds to the right side of his face, chest, hip and groin when he was hit by a shotgun blast while turkey hunting with his uncle in the Green Ridge State Forest Monday morning.
Thomson says Tracy Duvall told investigators he fired at a turkey.


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Looks like Britney Spears is feeling confused about her wedding plans!
Britney is engaged to her agent Jason Trawick, but according to reports Britney is having difficulty in deciding how to celebrate their big day.
A source told Star magazine that the star is confused because this is her 3rd wedding, so she doesn't know whether she should go really big and make a huge statement or just do it super toned down.
Britney has been dating Jason for 3 years and got engaged in December last year. Britney has 2 sons; 6-year-old Sean Preston and Jayden James, 5, from her marriage to dancer Kevin Federline.

domain: celebrity


The iPad models all run a version of the iOS, which also powers the iPod touch and iPhone, whereas the MacBook Air models run a version of the macOS. … iPad apps are getting more-and-more sophisticated, but in basic terms, macOS has more high-end applications for professional use whereas the iPad has many more games.
Best answer for this question, is MacBook Air or iPad better? Apple’s MacBook Air and iPad Pro are around the same size and run on the same chip. But the MacBook Air has better software for productivity, plus more storage and ports. The iPad Pro is also much more expensive when you factor in the cost of a keyboard.
Beside above, is MacBook Air Worth Buying 2020? The 2020 Apple MacBook Air has an amazing design, great keyboard, a best-in-class trackpad, and plenty else to love. It’s not for the power-hungry, but it makes for an amazing experience when you favor general quality over raw performance. It will do well for most people unless you require some real brawn.
Moreover, can you use iPad Air as a laptop? In the month or so I’ve had it, the iPad Air has delivered lightning-fast performance. … I didn’t really need the latter for work, but the Magic Keyboard would be key to using the iPad as a laptop replacement. In fact, Casey raved that “Magic Keyboard support means the iPad Air is finally a laptop beater.”
Frequent question, is the Apple Air worth it? The MacBook Air (M1, 2020) is a great value laptop, but it is still very expensive. There are some brilliant budget laptops out there these days that offer excellent performance for a lot less. The MacBook Air doesn’t have a revolutionary design, nor does it try to win over Windows users too much.
Can you print from an iPad?
Since late 2010, Apple’s own AirPrint utility, incorporated into iOS versions since 4.2, has been a quick and easy way to print from a Wi-Fi-connected iPad to a compatible printer on the same network. All iPad models support AirPrint. … Once you choose a printer, you’re ready to go.
Can Apple pencil work with MacBook air?
The Apple Pencil can’t be used natively with Mac computers as the displays don’t have the touch other support required, but there is a way to paint or draw on an iPad using Apple’s stylus and duplicate the content on a Mac.
Which is better iPad or laptop?
The iPad is also more mobile than a laptop, which is one of its main selling points. This mobility isn’t just about carrying it with you when you travel. … You can get some of the same versatility with a Windows-based tablet, but when compared to a laptop or desktop PC, the iPad certainly has an advantage.
How long do MacBook Airs last?
According to experts, a MacBook Air will last 7 years on average before needing to replace it. If you’re using your Macbook Air for animation, photo editing, or gaming it will likely last a year or two less due to its RAM and storage limitations.
Are MacBook Airs durable?
Both the MacBook Pro and Macbook Air use a solid state drive, which is more durable than the standard hard disk drive in terms of mechanical damage. The HDD in a standard laptop can be damaged by sudden movement, vibration and drops due to the nature of the moving parts within the drive.
Is a MacBook Air better than a laptop?
The late-2020 MacBook Air, powered by Apple’s M1 processor, is the best laptop you can buy. The base model, which includes 8GB of RAM and 256 GB of storage, starts at $999. … In our testing, it handled intense photo- and video-editing workloads better than almost any Intel-powered laptop we’ve tried this year.
Can iPad 2020 replace laptop?
Apple’s iPad Pro has all of the makings of a great computer, but it’s still not ready to replace my laptop. The iPad Pro’s long battery life, fast performance, and trackpad support make it a compelling laptop alternative. But its software still isn’t as natural and capable as macOS and Windows.
Can iPad 8th Gen replace laptop?
Apple’s new 2020 iPad has the same size, shape, look and feel as last year’s model. … After a week using it, the significant engine improvements in the new model serve as a reminder of something that has only recently happened: the basic iPad is now a capable laptop replacement for a lot of people.
Does iPad have USB port?
The simple answer to the question of whether iPads have USB drives or ports is “no.” However, as with most technological questions, there is more to the answer than that. A USB drive is an external device that uses a USB port to plug into a computer.
Is it worth buying a MacBook Air in 2021?
Yes, a new 2021 MacBook Air M1, if it does indeed come out this year, will be faster and may have a tweaked design, but right now we think only the most well-heeled shoppers should consider waiting, as when introduced it will be the more expensive system.
Are MacBook Airs touch screen?
None of Apple’s computers have a touch screen. This includes all of the new ones announced at the November 2020 Apple Event: MacBook Air, Mac mini, and MacBook Pro. … Like earlier models, you get a Touch Bar, which is the closest thing you can get on a Mac to a touch screen.


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"Noor Inayat Khan remains, in the minds and hearts of many, an exemplary figure whose life has been their inspiration."
Pir Vilayat Inayat Khan, Head of Sufi Order founded in 1910 by Hazrat Inayat Khan
These twenty tales have been drawn from famous legends concerning the former lives of the Buddha. Beloved by children and adults alike, they tell of people and animals moved to acts of sacrifice by the noble example of their fellow creatures. The flavor is often suggestive of Aesop, as are the lessons that are so subtly and keenly conveyed. Presented in a simplified narrative, the tales maintain the magical and timeless beauty of their Far Eastern origins. The stories are ideal for reading to children, as they tell of highly dramatic adventures that are resolved by non-violent and compassionate means. Challenging circumstances bring forth courage and the capacity to love, opening the way to solutions against seemingly impossible odds. This book will also be coveted for its exquisite illustrations by the well-known illustrator H. Willebeek Le Mair.
An excellent rendering for adults and children; children especially will enjoy having this book read to them.
These stories will plant seeds that may lead these children toward more thoughtful, empathetic ways to view themselves and others.
The stories are retold so to be easily read and/or understood by children, but the lessons they teach are for adults as well.
This is a wonderful book, full of little life lesson stories that would be great reads for children. I enjoyed the stories as an adult! Read morePublished 2 months ago by DashboardSaint
I'm very happy with my selection. The item was received in a timely manner,Published 2 months ago by Monica Michewicz
I highly recommend this book. Great tales retold by a very great woman. Not just for children.Published 5 months ago by greyfell


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Just as there have been movies about musicians and, similarly, movies about real-life writers, there have also been movies about athletes, whether fictional or based on true events. Indeed, the biographical sports film – or sports biopic – have been a staple genre in the film industry. Whether they’s movies about the Olympics, in which stories of struggle, determination, and triumph pull at the heartstrings, or movies about an athlete’s journey towards a certain type of victory, what’s fundamentally appealing about sports biopics is the underlying theme of hope, hard work, and perseverance.
There are countless films that anyone would consider a classic of the sports biopics. In fact, 2021s King Richardstarring Oscar nominee Will Smith, could very well, with time, become a classic, especially considering how Smith is GoldDerby‘s frontrunner for Best Actor at the 2022 Academy Awards. Here’s our list of the best sports biopics of all time, ranked.
7 Chariots of Fire
Chariots of Fire is a classic of the sports biopic genre, and for good reason. Two British runners competing in the 1924 Olympics are at the heart of this film, one who races for the glory of God as a devout Christian, and one who is a Jewish man, running to overcome prejudice. In their time before the competition, the two face hurdles to their dreams. Eric Lidell, the Christian runner, faces judgment from his own family, who thinks he should be focusing more on his religion. Harold Abrahams meanwhile faces prejudice from the staff at his university, but still he goes on to become an excellent runner. When the two compete in the Olympics, they face a rocky start. Despite being clear underdogs in the competition, the two go on to win gold medals and bring glory to the British team. All things considered, this film is a must-watch for any sports biopic fans.
6 Raging Bull
Adapted from the memoir Raging Bull: My Story, Raging Bull is about the career of Jake LaMotta and the people around him. Often considered one of the greatest American films ever, Jake shows his aggression frequently throughout the movie, and ends up losing the greatest things about his life because of it. Through a fight with his brother, he loses his wife and brother all at once, despite both of them trying to support him in his career. He even ends up in jail. However, all is not lost: Jake goes on to make something of himself despite the adversity he faced and learns to cut himself some slack. This is not a traditional success story, but that’s what makes this film so great – the idea that, even if you lose, you can still come out on top.
5 Ford v Ferrari
Ford v Ferrari is about the 1966 Le Mans 24 hour race, and a team who wanted to outdo Italian Scuderia Ferrari. American and British engineers race to build the Ford GT40, now one of the greats of rally sports, after facing insults from the Scuderia Ferrari team. They go on to end the winning streak of the Italian team, and make the Ford name go down in racing history. As one of the most tense Le Mans races of all time, this film is a fantastic representation of that. This movie captures the tension of the 1960s motor sports scene and shows the making of a legend, as well as the success of an underdog.
4 The Blind Side
Based on the 2006 book The Blind Side: Evolution of a Game, The Blind Side tells the story of Michael Oliver, an NFL star who had to battle an impoverished background to achieve his dreams. His foster parents help him get to university, ultimately leading to him being drafted, despite not receiving much in the way of thanks from Michael. Still, they see Michael’s success as a huge family success, and eventually he comes around to their way of thinking. With a star-studded cast and a heart-warming story of how a loving home can help someone achieve anything they wish, The Blind Side is one of the greatest sports biopics of all time.
3 Eddie The Eagle
Eddie The Eagle is a film that tells the story of Great British Olympic ski jump competitor, Michael David Edwards (better known as Eddie the Eagle). Showcasing the massive hurdles Eddie had to overcome to become an Olympic star, this is an inspiring watch for anyone, and is motivational to the extreme: Eddie self-trained to compete in the 1988 Olympics. Despite his own parents not supporting his dream, he goes on to do it anyway, and achieves success in his own right. While not a typical success story, this is definitely one for the downtrodden.
2 I, Tonya
I, Tonya is based on the career of figure-skater Tonya Harding, with a specific focus on her involvement in an attack on her rival. As a black comedy, the film is refreshing to watch, while also being captivating. Viewers must decide for themselves if what Tonya is telling them is true or not. The comedic style mixed with the unreliable narrators that are telling the story is not the usual way for a biopic to be presented, but I, Tonya is anything but conventional. Making use of the mockumentary style, this film is a hilarious watch, and should be on your watch list.
Before we had Netflix’s documentary series, Drive to Survive, there was Rush. Formula 1 is one of the world’s great Motorsports, and in 2013’s Rush fans got closer to one of the greatest feuds in the sport’s history. Rush tells the story of two drivers: Niki Lauda and James Hunt, two drivers with extremely different styles, both on and off the racetrack. With tensions rising throughout the movie, it is perhaps no surprise when the tragic ending occurs, but despite this, it is still a fantastic watch. This epic sports biopic captures both the glamor and high stakes of Formula 1 in the 1970s and is a must-watch for any sports fan.
Daniel Radcliffe Reveals First Harry Potter Shoots Often Left Him Embarrassed
About The Author


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The popular image of the digital native -- usually depicted as a technically savvy and digitally empowered teen -- is based on the assumption that all young people are equally equipped to become invators and entrepreneurs. Yet young people in low-income communities often lack access to the learning opportunities, tools, and collaborators (at school and elsewhere) that help digital natives develop the necessary expertise. This book describes one approach to address this disparity: the Digital Youth Network (DYN), an ambitious project to help ecomically disadvantaged middle-school students in Chicago develop technical, creative, and analytical skills across a learning ecology that spans school, community, home, and online. The book reports findings from a pioneering mixed-method three-year study of DYN and how it nurtured imaginative production, expertise with digital media tools, and the propensity to share these creative capacities with others. Through DYN, students, despite differing interests and identities -- the gamer, the poet, the activist -- were able to find some aspect of DYN that engaged them individually and connected them to one ather. Finally, the authors offer generative suggestions for designers of similar informal learning spaces.
Brigid Barron is Associate Professor of the Learning Sciences in Stanford University's School of Education and directs the YouthLAB research group. Kimberley Gomez is Associate Professor in the Graduate School of Education and Information Studies at UCLA. Nichole Pinkard is Associate Professor of Interactive Media, Human Computer Interaction, and Education in the School of Cinema and Interactive Media at DePaul University and founder of the Digital Youth Network. Caitlin K. Martin is Project Manager and a senior researcher in the YouthLAB group at Stanford University.
Brigid Barron, Caitlin K. Martin, Kimberley Gomez, Nichole Pinkard
MIT Press Ltd
Date of Publication
Education & Teaching
The John D. and Catherine T. MacArthur Foundation Series on Digital Media and Learning


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Landgericht (Reichs Regional Court) of Cheb
55,20 linear meters
During the activity of the court, files were stored in the court building in Cheb, where they remained until 1963, when some of them were handed over to the State Archives in Kadaň. The rest of the agenda was still located in the registry office of the District Court in Cheb. This was taken in 1971–1972 to the Žlutice branch of the State Archives in Plzeň, from where it was moved in 2006 to the branch in Klášter near Nepomuk. The first part of the documents handed over was arranged and inventoried in 1964, the second part in 1973. A negligible part of the fonds remains unarranged.
The fonds contains documents relating to the judicial, political and economic development of detached regions in West Bohemia in 1938–1945. For study of Jewish history, it is possible in particular to use call № 2005, box № 1 (Organisation of officials, 1939), call № 2008, box № 1 (List of staff status, 1939–1942) and also the personal files of legal representatives (call № eA1 to eZ4, box № 86–91) and notaries (call № fB1 to fT3, box № 91–92), which provide information on racial matters and staffing circumstances in the judicial system in the Sudetenland Reichsgau (Sudeten region). Attention should also be paid to the civil and commercial files of the Provincial Court in Cheb, in particular ref. N (bankruptcy matters, box № 191–201, 1938–1941), R (marital disputes, in particular the divorce agenda, box № 206–226, 1939–1945), F (declaration of death, box № 230–235, 1939–1942) and O (company matters, box № 236–252, 1938–1945), which contain information on oppression and persecution of the Jews during the occupation.
The fonds contains Administrative files (Main files, Collective and Auxiliary files, Personal files of legal representatives and notaries), Files of the actual judicial agenda (Files of civil chambers and the commercial panel) and Registry finding aids for them.
Fiala J.: Krajský soud Cheb (okupační). Inventář I. Inventáře a katalogy Státního archivu v Plzni, Kadaň, 1964, 49 s., ev. č. 213; Haubertová K.: Krajský soud (okupační) Cheb. Dílčí inventář, II díl. Inventáře a katalogy fondů Státního archivu v Plzni, Žlutice, 1973, 11 s., ev. č. 243.
This archival description was created by the Jewish Museum in Prague in the framework of the cooperation between EHRI and the Yerusha project.

domain: law


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How is the Luxury Property Market in the UAE?
The luxury properties accounts for only a small portion of the overall UAE real estate market, but this small chunk had decisive impacts on real estate business. The UAE is a superlative experience for those who are looking for a global investment or a dream house. The United Arab Emirates had the best opportunities to invest with the best ROI.
Let’s review the current performance of the luxury property market in the UAE.
CURRENT TRENDS IN THE UAE
Property prices swung due to COVID19 in 2020, and high-net-worth Individual considered this as an opportunity to invest in high-end properties. During the COVID19, the sales and rental of luxury property markets stayed busy because Individuals were putting more focus on buying luxury properties.
“We are witnessing a huge shift in the market with a big uptick in activity in villa communities. There has been particularly high demand in areas like the Palm Jumeirah, which offers a perfect beach retreat, Al Barari, which affords residents large built-up areas and plenty of greenery, and Jumeirah Golf Estates, which is perhaps the premier family community in Dubai,” Says Andrew Cummings, co-founder and managing director of Luxuryproperty.com.
WHAT MAKES UAE THE BEST?
Although the UAE is a new entrant in the league of luxury properties market of the world, the real estate here ensures maximum ROI. In 2019, the luxury property market of Dubai registered 194 transactions of premium properties as compared to the previous year 115 transactions.
The Emirates offer incomparable values equated to the other property markets around the world. 2002 was the year when the concept of freehold properties came. Since then, a property boom came and foreigners were able to invest. Reports say that “The luxury property market is worth more in the United Arab Emirates, as compared to other countries of the world. Apart from this ratio, luxury homes are far cheaper in the UAE, as compare to other expensive cities.
See what size of property you will get by investing $1 million in different cities globally.
- Geneva: 441 sq. ft. of prime property
- Monaco: 172 sq. ft. of prime property
- London and New York: 334 sq. ft. of prime property
- Singapore: 388 sq. ft. of prime property
- Hong Kong: 237 sq. ft. of prime property
- Paris, Shanghai and Sydney offer less than 620 sq. ft
In Dubai and Abu Dhabi, this investment could give you a prime property double in size or 1,539 sq. ft of prime properties. According to the forecast, 2021 will be the best year for buying a luxury property in the UAE.
LUXURY PROPERTY TRANSACTIONS IN DUBAI
Dubai is a favorite place to buy or rent a luxury property in the UAE. Listed below are some of the best areas in Dubai to buy a luxury property.
According to Dubai Land Department, 15,897 sales recorded in 1st half of 2020, amounting ADE 32.5 billion of the total transaction. According to different digital platforms, residential transactions grew by 64% after June as the country ease restrictions, in which Dubai alone participated worth ADE 4.72 billion.
LUXURY PROPERTY TRANSACTIONS IN ABU DHABI
In Abu Dhabi’s real-estate transactions were increased by 22% in Q-1 2020, compared to last year. Before the countrywide lockdown, the Department of Municipalities and Transport observed the transactions of ADE 8.7Billion, consist of 3,613 property deals.
The Department of Municipalities and Transport issued the list of total sales for luxury properties in Abu Dhabi.
- Al Reem Island (ADE 2 billion)
- Saadiyat Island, (ADE 1.5 billion)
- The Reef Region (ADE 911 million)
- Khalifa City (AED259 million)
- Al Shamkha city (AED234 million)
The luxury properties in The UAE offers:
- Superb Location
- Modern Architectural Design
- Stunning Views
- Lifestyle Community Amenities
REAL ESTATE MARKET IN UAE - GROWTH, TRENDS AND FORECAST (2020-2025)
The residential property markets were slipping due to challenging competitions and Global pandemic in 2020, and less supply of residential units in other Emirates. Since 2018, the real estate prices were dropped in Dubai and Abu Dhabi by 23% to 18% as the demand were slow. But now, the real estate market is expected to get stabilized in 2021. One of the most positive indications is that, despite this lockdown and instability; the property-related transaction was increased. Goldstein Market Intelligence report stated that the UAE property market is expected to grow at CAGR of 7.4% from 2020 to 2025.
Furthermore, the UAE property markets were accounted for USD 74.3 billion in 2017, which is like to reach USD 132.5 billion by the end of 2024. This attributed sales growth will rise due to foreign investments in luxury sectors.
Buying a luxury property in the UAE provides world-class luxury living standards. Although in current situation, the luxury market in the UAE has some fluctuations due to global pandemic. But, for those who are looking for opportunities, this is the best time to invest.