address: 247 Cleveland Ave, Wichita, KS 67214
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247 North Cleveland
Wichita, KS, 67214
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Need help with timing question-weed spray/overseed/sod
First, thanks to all who have helped me in the past! Your advice is truly getting me through with my attempts to do organic lawn care. I came to the conclusion I need to do a one-time conventional spray to kill dandelions because they are too much to handle and it will be seasons before my organic efforts will result in a soil that sustains grass well enough to minimize weeds. Because my primary question is about how to time spraying weeds with sod scheduled for this week and for fall overseed, I posted on the regular lawn are forum as they deal with how to time conventional sprays. I would appreciate any advice you all have on the other concerns I mentioned in my post, as well as hearing if anyone has any thoughts about the timing of spraying. If you could see my post from this morning on the lawn care forum and share any thoughts I'd be very grateful. A belated thank you especially to dchall and kimmser for all your sharing in my prior posts! I wanted to ask kimmser - you mentioned "West Michigan Mix" as a good blend for this locale as it has rye/fescue/KBG - is it a sod or a seed? If its a sod do you have any idea where I can find it in SE Wisconsin?
I look forward to trying dchall's suggestion of frequent heavy application of grain pellets as a possible alternative to adding lots of compost which I can't afford.
Thank you all so very much!

domain: agronomy


text: TGFβ can override the proliferative effects of EGF and other Ras-activating mitogens in normal epithelial cells. individual from your TGFβ receptor phosphorylation sites that activate Smad nuclear translocation. Mutation of these MAP kinase sites in Smad3 yields a Ras-resistant form that can rescue the growth inhibitory response to TGFβ in Ras-transformed cells. EGF which is usually weaker than oncogenic mutations at activating Ras induces a less considerable phosphorylation and cytoplasmic retention of Smad2 and Smad3. Our results suggest a mechanism for the counterbalanced regulation of Smad2/Smad3 by TGFβ and Ras signals in normal cells and for the silencing of antimitogenic TGFβ functions by hyperactive Ras in malignancy cells. transgene in the pancreas mammary gland or skin causes abnormal growth of these tissues (B?ttinger et al. 1996; Wang et al. 1997; Gorska et al. 1998). Furthermore mutant mice (Zhu et al. 1998) or the combined loss of wild-type and alleles in compound heterozygotes (Takaku et al. 1998) lead to formation of invasive intestinal tumors. On the other hand TW-37 TGFβ can exacerbate the malignant phenotype at later stages of tumorigenesis (Cui et al. 1996; Barrack 1997; Factor et al. 1997; Reiss and Barcellos-Hoff 1997). TGFβ is usually abundantly expressed in various tumors of epithelial origin (Derynck et al. 1985; Keski-Oja et al. 1987) in which it can suppress immune surveillance (Letterio and Roberts 1998) foster tumor invasion (Cui et al. 1996) and promote the development of metastases (Welch et al. 1990; Yin et al. 1999). These effects become manifest in tumor cells that maintain TGFβ receptors but have lost the capacity to respond to TGFβ with growth arrest. Such a state of altered TGFβ responsiveness is usually observed in Ras-transformed cells. These cells typically exhibit a limited growth inhibitory response to TGFβ (Schwarz et al. 1988; Houck et al. 1989; Valverius et al. 1989; Longstreet et al. 1992; Filmus and Kerbel 1993) but may respond to TGFβ with intrusive activity (Oft et al. 1996) and metastatic behavior (Oft et al. 1998; Yin et al. 1999). TGFβ exerts development inhibitory and transcriptional replies through Smad2 as well as the extremely related proteins Smad3 that are immediate TGFβ receptor substrates whereas Smad1 is certainly a substrate and mediator of bone tissue morphogenetic proteins (BMP) receptors (Heldin et al. 1997; Massagué 1998). Receptor-mediated phosphorylation of TW-37 the Smads which takes place at serine residues in the carboxy-terminal SSXS series (Macias-Silva et al. 1996; Kretzschmar et al. 1997b) induces their association using the distributed partner Smad4 accompanied by translocation in to the nucleus where these complexes activate transcription of particular genes (Heldin et al. 1997; Massagué 1998). Smad protein include a conserved amino-terminal area that binds DNA (Shi et al. 1998) and a conserved carboxy-terminal domain that binds receptors partner Smads and transcription coactivators (Shi et al. 1997; X. Chen et al. 1998). Both of these domains are separated by a far more divergent linker area. How oncogenic Ras counteracts the development inhibitory ramifications of TGFβ provides remained unidentified. Although oncogenic Ras can avoid the antimitogenic ramifications of TGFβ TGFβ potently overcomes the mitogenic ramifications of Ras-activating elements such as for example EGF in epithelial cells (Massagué 1990; Sporn and Roberts 1993; Alexandrow and Moses 1995). To research TW-37 the molecular basis for these connections we centered on Smad2 and Smad3 as is possible goals of inhibition by Ras. Right here we present that Ras activation by oncogenic mutations or even to a lesser level by EGF receptor indicators inhibits the TGFβ-induced nuclear deposition of Smad2 and Smad3. These results are mediated by phosphorylation of particular sites in Smad2 and Smad3 and we demonstrate these sites are distinctive in the TGFβ Mdk receptor phosphorylation sites. We present proof that this system mediates the silencing of TGFβ antimitogenic replies in Ras-transformed cells whereas in regular TW-37 cells this system serves to regulate the amount of TGFβ/Smad signaling based on the degree of Ras activity in the cell. These outcomes reconcile a different body of observations in the interaction between your TGFβ and Ras pathways and offer insights in to the subversion of TGFβ signaling by oncogenic Ras mutations in cancers. Outcomes Ras inhibition of Smad-dependent TGFβ?replies We investigated Ras seeing that an antagonist of TGFβ signaling utilizing a well-characterized mouse mammary epithelial cell program (Oft et al. 1996). The TW-37 parental cell.

domain: biology


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Sean Bielat pressing Barney Frank to debate
On the night of the primary, Cong. Barney Frank (D-Newton) told Wicked Local that he was ready and willing to debate any candidate for the general election. And considering that Frank even debated Lyndon LaRouche candidate Rachel Brown in the primary it was easy to take him at his word.
This release came this week from Frank’s GOP opponent Seat Bielat…
DebateGate: Where’s Barney?
Newton, MA — With just 32 days left until the mid-term election, Barney Frank has yet to confirm a single debate with his opponent Sean Bielat.
“Barney’s running away from his record, his votes, his previous statements, and now the debates,” said Sean Bielat, the Marine and businessman challenging Rep. Frank. “I have already agreed to several debates, but Barney keeps stalling. The people of the Fourth District deserve to hear from both of us at the same time. ”
The Bielat campaign is aware of at least six debate offers from credible organizations, such as media outlets and the League of Women Voters, that the Frank camp has yet to confirm.
On election night Congressman Barney Frank said he
It’s typical for media outlets to first get preferred dates from the incumbent before contacting the challenger to schedule, so there may be more.
Mr. Bielat has agreed to all these third-party debate requests. Presently awaiting Mr. Frank’s confirmation:
1. Fox25 News at 10 with Maria Stephanos
2. League of Women Voters
3. WBZ 1030 AM | NightSide with Dan Rea
4. NECN | Broadside with Jim Braude
5. WGBH TV | Greater Boston with Emily Rooney
6. WRKO | Tom & Todd Show with Tom Finneran and Todd Feinberg.

domain: politics


The future looks bright for the fledgling football program at Samuel Robertson Technical Secondary School, as the Titans prepare for the 2012 season with strong numbers, and a wealth of experience.
At the helm this season is head coach Mark Ogloff, taking over from teacher-coach Tom Levesque, who accepted an administration position at Pitt Meadows secondary. Ogloff, a parent volunteer, is also the president of the Meadow Ridge Knights community football club, and comes to the program with more than 40 years of football experience, and he likes what he sees.
“They’re a good bunch of kids and they work really well together,” Ogloff said. “This is the most disciplined group we’ve ever had.”
Many on the team were Grade 8s on the inaugural Titans junior varsity squad in 2010, and bring with them three years of high school football experience.
With close to 30 players on the roster, the majority of which are Grade 10s, Ogloff expects strong numbers for when the team moves to senior ball next season.
“We had everything in place to add a senior team for this season, but with the teachers’ strike, it pushed everything back a year,” he said.
At quarterback this season is Daniel Ferro, with Dallas Taylor and Liam Evanow at wide receiver. Running backs Rueben Marin and Emerson Klatt will responsible for most of the Titans running plays.
The team’s offensive line is anchored by centre Jake Maddigan, and flanked by guards Brandon Ramsey and Nikola Damjanovic, and offensive tackles Nate Taylor and Connor Priest.
The team’s defense is led by defensive captain Scott Murdoch at linebacker, who despite his slight five-foot-six, 160-pound build, packs
“In all my years, I’ve never seen a kid his size hit like that,” said Ogloff. “He’s 130 pounds, but he hits like he’s 230.”
Murdoch is already on his second face guard of the season, after hitting a player so hard he bent his first one.
“He’s a little maniac out there,” Ogloff said. “He’s fearless.”
Murdoch is joined by Tyrel Ogloff at linebacker, with both playing behind the team’s linemen, who are playing both ways. Key to the Titans defense will be the team’s corner backs, who will be relied on to contain opposing running backs running a sweep pattern.
The Titans kick off their regular play this afternoon (Wednesday) at home against the Robert Batemen Timberwolves. Game time is at 3:45 p.m.


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Understanding systems concepts is essential for efficient supervision in the field of psychology. The ability to identify complicated relationships within a system is a skill that trainees can develop with the support of their supervisors. The essay will explain three systems concepts—circular causality, feedback, and equifinality—and examine how they play out in supervision. The paper will also include examples of each idea and suggest techniques to aid learners in developing systemic thinking abilities.
Systems Concepts in a Supervision Context
The idea of circular causality states that events inside a system interact and influence one another rather than being caused and affected in a straight path. Circular causality in supervision recognizes that actions and reactions occur within an ongoing feedback loop (Kelledy & Lyons, 2019). When a trainee’s assessment of a client’s behavior affects their later contacts, this illustrates circular causality in supervision. Consider a trainer who takes a client’s resistance as a sign of defiance and then reacts by asserting themselves further; the client, however, interprets this as aggressiveness and puts up more resistance. By recasting the client’s conduct as a response to the trainee’s response, a supervisor can aid the trainee in understanding circular causality. Recognizing this interaction allows the trainee to change their approach and focus on exploration and curiosity, resulting in a more beneficial therapeutic connection.
Feedback is sharing information within a system to alter or control its operation. It involves positive and negative feedback, which maintains stability or promotes change. Positive feedback amplifies and reinforces current patterns. For trainees to advance professionally under supervision, feedback is crucial. Take a trainer, for instance, who has trouble relating to clients on an emotional level (Avortri et al., 2019). When giving feedback, the supervisor should point out occasions where the trainee successfully showed sympathetic understanding and any areas that require development. Such a feedback loop enables the student to modify their therapy approaches and improve their empathy, eventually improving client outcomes.
Equifinality states that various initial circumstances can produce comparable results in a system. The concept recognizes that there are various approaches to get an inevitable outcome. Equifinality serves as a gentle reminder to trainees during supervision that there is no one “best” method to respond to client issues (Avortri et al., 2019). Consider a situation where several trainees work with families dealing with similar issues, including communication problems. Despite using various therapy strategies, they all produce beneficial results. Thus, by encouraging trainees to consider additional tactics and innovative treatments that fit with their particular therapy approach and the needs of the families, the supervisor can reinforce the idea of equifinality.
Helping Trainees Learn Systemic Thinking
Supervisors can use various techniques to assist trainees in learning systemic thinking. They may first expose them to systems theory, emphasizing how intricate and linked human systems are. Readings, case studies, and debates can be used to accomplish this. Second, supervisors can encourage trainees to engage in reflective practice by urging them to consider their presumptions, prejudices, and values that may affect their interventions. Such promotes self-awareness and enables students to understand their place in the therapeutic system. Supervisors can also assist trainees in creating thorough case conceptualizations that consider systemic aspects; this entails investigating the circumstances, ties, and patterns causing client problems.
Effective supervision in psychology requires an understanding of systems concepts and the development of systemic thinking abilities. Supervisors and trainees can gain essential insights into the complexity of therapeutic systems by using the principles of circular causation, feedback, and equifinality. Supervisors can assist trainees in developing into more knowledgeable and adaptive practitioners in their future jobs by incorporating these ideas into supervision, boosting trainees’ systemic thinking abilities, and encouraging a more comprehensive viewpoint.
Avortri, G. S., Nabukalu, J. B., & Nabyonga-Orem, J. (2019). Supportive supervision to improve service delivery in low-income countries: Is there a conceptual problem or a strategy problem? BMJ global health, 4(Suppl 9), e001151.
Kelledy, L., & Lyons, B. (2019). Circular causality in family systems theory. Encyclopedia of couple and family therapy, 431-434.

domain: psychology


text:
Through Leadership Coaching you strengthen your presence, relationship skills, and communication. You will gain better self-awareness and self-management and sustainably increase your performance while having a higher job satisfaction and feeling less overwhelmed.Get in touch
Leadership Coaching strengthens you exactly at the point where you stand today. It creates clarity, helps you to set priorities and make difficult decisions. It gives you new perspectives and brings "blind spots" to light. It increases self-awareness, presence and ultimately your job satisfaction and performance.
As a coach I am a trusted source and sparring partner. I will challenge you and mirror your behavior, so that step by step you become aware of your inner truth and your own power.
Leadership coaching covers a wide range of topics. Together we will identify topics that are particularly relevant to you and your organization, and decide what you would like to focus your coaching on
Leadership Coaching opens your senses and enables you to get in touch with your inner wisdom
Clarity and new energy are utilized to help you make important decisions, set priorities and implement projects. In this process, you become more efficient and gain new freedom.
We find new answers when we see our world from other perspectives - when we leave our system and look at it from the outside.
In leadership coaching, your own, often obstructive thought patterns are identified and modified so that new courses of action can emerge.
Leadership coaching supports you to stay 'on track' and to define and achieve new goals. In doing so, you will be strengthened, inspired and motivated.
In addition to strengthening your own resources, leadership coaching also encourages you to leave your own comfort zone as a prerequisite for personal growth.
Get to know each other and clarify expectations, topics and wishes
Adapt the coaching process to the individual needs
Define your core topics for coaching
Determine timing: number of recommended coaching hours and rhythm
Explore topics from different perspectives
Agree on coaching objectives and define desired results
Set your goals
Dive deeply into the processes using appropriate methods and tools
Surface inner conflicts
Uncover underlying barriers
Develop solutions and define implementation strategies
Establish new habits
Conclusion and summary of the most important findings
Compare results with goals formulated at the beginning of the coaching
Outlook for the future and agree on next steps


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Central to everything in Bangkok, Novotel Bangkok Fenix Silom is located near two BTS sky train stations - Surasak and Taksin station, a convenient location for both business and leisure travelers. Within walking distance to Jewelry Trade Center and Sathorn Pier. The hotel boasts 4-star comfort and practical facilities including gym with sauna and a pool. Stay connected with free WIFI service, enjoy delicious breakfast at The SQUARE restaurant or unwind with evening drinks at Stone Bar.
Located on level 7 of the hotel, The Living Room provides a chic setting for up to approximately 60 persons. Space is highly configurable to specific requirement and includes features such as a coffee break island and break-out room.
|The Living Room||231||30||30||30||60|
320 Silom Road

domain: travel


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The Hilltown Hikers will be at Chester on Track all day in historic downtown Chester with a booth on Main Street and Riverfront next to the Riverside Inn aka Chester Hotel. we will have our entire catalog of hiking maps, shirts, hats. hoodies, photo prints, puzzles, animal track guides, Hilltown history, photos, and ALOT of hilltown hiking information! come see us, ask us questions, get trail info!
and there’s more!
CHESTER ON TRACK RETURNS FOR A 31st SEASON May 21, 2022, CHESTER, MASSACHUSETTS. The 31st anniversary Chester on Track marks the 181st year since the rail road was opened. The Station was granted National Historic landmark status in January of 2021. MA Dept. of Conservation and Recreation will serve as guides to assist visitors get maxi mum exposure to the Keystone Arches, the first cluster of stone arch railroad bridges built in America. Also National Historic Landmarks. There will be a massive parade, Civil War, Revolutionary War and early Irish railroad re-enactors, will be on the north lawn of the station. A train show will be in the station, and The Chester Postmaster will be on hand to personally cancel the commemorative envelopes with a special postal cancellation. A ham radio base camp will be on hand to contact enthusiasts around the globe and doing Morse code demos. A craft fair, face painting and ‘one-lung’ steam & gas engine demos will be along Main St and on the lawn of the Chester Inn with live music throughout the day by the group, Just Us’. A ham radio base camp will be on the Station platform, contacting bases around the globe and demonstrating Morse code. Classic cars from Model ‘T’s to the newest Corvettes will line up on Maple St., where kids can visit the bounce house, and be entertained by Nicole the Rail road Clown, formerly of Ringling Bros. Circus. Chester/ Blandford Police Dept. and Sherriff’s Department will be on hand to introduce and explain new community programs. The railroad station outdoor stage will host live music beginning at 11 AM with the 413’s, Pug Demary, Pitoniak Brothers, Mark Franklin and the Fortified Blues Band. The Pioneer Valley Live Steamers will display their large-scale operating steam and diesel locomotives and a selection of rolling stock on the station’s south lawn. The Hamilton Library will hold a Book and Bake Sale on the lawn, and the Library’s
Chester Mineral Collection will be open for tours with John Marge from 10 AM to 1 PM.
The Chester Historical Commission will be on hand at the Old Jail and Chester History Museum for tours from 9:30 AM to 3:30 PM
The Foundation’s own Blue Caboose will open at 8 AM for breakfast and have a hearty railroad man’s menu. throughout the day, where you can cat ‘hobo style’ in an antique wooden box car. Carm’s and Classic Pizza will be open all day as well as The Village Market for take-out. A number of 1920’s-era freight cars, including a 100 year-old wooden caboose and ‘Children’s Boxcar’ will be open to the public. The Fire Dept. will hold their annual Duck Race on the Westfield River at 2:00 PM.

domain: hobby


Verizon is the largest wireless service provider in the U.S. with over 108 million retail connections as of the first quarter of 2015. But as the wireless business matures, providing connectivity is increasingly a zero-sum game among the four national carriers — Verizon, AT&T, T-Mobile and Sprint — leading to price wars in pursuit of marketshare and threatening margins.
Verizon’s efforts to find new ways to monetize its user base, such as through advertising, however, have met with mixed results at best. It’s use of undeletable “super cookies” to track its subscribers’ web surfing, and the sale of those data to third-party marketers, led to an outcry among consumers and privacy advocates (and scrutiny from the Federal Communications Commission), which forced Verizon to allow users to opt-out of the program.
Now though, with its $4.4 billion acquisition of AOL, announced Tuesday, Verizon is gaining a portfolio of over 100 million device IDs from consumers who have opted-into direct, content-based subscription relationships with AOL’s media properties. From a data-collecting perspective (to say nothing of the legal and regulatory implications) that’s a much safer starting point than anonymous, surreptitious tracking. But those opt-in content relationships will also provide a foundation for the launch later this year of Verizon’s own opt-in over-the-top video service.
Although Verizon has not revealed many details yet about the new service, it is expected to include a mix of short-form, on-demand content optimized for viewing on mobile devices, and live content such as sports and music concerts that leverage LTE Multicast technology. While Verizon clearly hopes the new video service will drive additional subscription fees it is also meant to provide a platform to further monetize Verizon’s user base through advertising and pay-per-view programming.
Last month Verizon acquired the digital ad insertion software Translate from Disney/ABC Television Group to support dynamic ad insertion across devices. And in AOL it is acquiring an impressive array of mobile and video ad-tech assets, including Adap.tv, AdLearn and Convertro, which in April AOL bundled into an integrated, programmatic ad platform it calls AOL One. According to AOL’s first-quarter earnings report, revenue from programmatic sales grew 80 percent year-over-year and now represents 45 percent of its global brand advertising revenue.
With the added reach provided by Verizon’s wireless and FiOS pay-TV platforms AOL One will have access to more than 1.5 billion connected screens, AOL CEO Tim Armstrong told the website AdExchanger Tuesday, including mobile, desktop and TV.
“It’s really one of the moments in time where mobile and video are really going to impact the future of advertising and obviously AOL has been a big investor in mobile and video ad tech,” Armstrong said. “It allows us to have a big seat at the big table with mobile and OTT video.”
This isn’t the first time, of course, that an AOL CEO has touted the synergies to be had from combining distribution, access and content assets under a single roof. The same basic logic drove AOL’s $165 billion acquisition of Time Warner in 1999 — now widely viewed as one of the most disastrous corporate mergers in U.S. history.
This time, AOL is a seller instead of a buyer. AOL shareholders are hoping that’s not the only thing that’s different this time.


The 46-year-old sticksman says the former Oasis frontman - who is a massive fan of his 2016 solo track 'Range Rover Bitch' - hasn't asked him to play for him yet, but Liam is aware Taylor is keen to write a song with him.
Asked if he'd like to join Liam's touring band - which includes Babyshambles bassist Drew McConnell - on percussion, Taylor told Matt Wilkinson on Beats 1: ''Absolutely. He hasn't asked. He loves [Taylor's track] 'Range Rover Bitch' - that's so amazing! I'd like to write a song with him. If he likes 'Range Rover Bitch' man. I've already told him that, he knows. He's such a character.''
Taylor admits that he wasn't as fond of Liam's band he started after Oasis split in 2009, Beady Eye, but he loves his solo stuff from his debut LP, 'As You Were', and the fact he can be a ''temperamental performer''.
He said: ''I think for him, having the new band Beady Eye was just confusing to people and now he can be Liam Gallagher which means he can play all the Oasis songs he wants and he can play his new album, which is really the best music he's made since Oasis.
''I heard a few Beady Eye things and it was good but he knows he needs to write songs with other people.
''I'm stoked for him.
''And when he's on man, he's on! That's what I love about him, he's such a temperamental performer.''
Liam turned down the chance to duet with the 'Best of You' group last year.
The 'Songbird' songwriter was invited by frontman Dave Grohl to join them on the Pyramid Stage, but Liam declined because of the lack of time for rehearsals.
The 'Greedy Soul' singer said at the time: ''He asked me to come on and do a song. I said no, cos I need a bit of rehearsal. I know it's cool and all that, but I need a rehearsal.''
However, the rocker said he would've loved to have done a duet with Taylor on 'Range Rover Bitch'.
He said: ''I tell you what I wanna do. I wanna do 'Range Rover Bitch' that Taylor [Hawkins, drummer] made. That's the tune.''
Liam did end up performing with the 'Run' rockers at their own festival, CalJam, in San Bernadino, California, last October, where they teamed up on a rendition of The Beatles' hit 'Come Together'.
Janelle Monáe parties and drives with her girl squad in the video for her latest single 'Crazy, Classic, Life', taken from her album 'Dirty...
Continuing the softer sound of their 2015 release 'That's the Spirit', BMTH are about to release 'Amo' (January 25th 2019) featuring their newest...
To coincide with the new BBC mini-series adaptation of leporine epic Watership Down, Sam Smith has unveiled a new single entitled 'Fire on Fire'.
Her first single since leaving the jungle on 'I'm a Celebrity... Get Me Out of Here!', Fleur East drops the super-choreographed video for 'Favourite...
Dropping the video for his latest album's second single, 'Excuses', is Olly Murs just months after the release of 'Moves' featuring Snoop Dogg.
Professor Green and Rag'n'Bone Man have teamed up for a heart-wrenching video for their single 'Photographs'.
He released 'Everythang's Corrupt' last month, and now Ice Cube has dropped a video for the record's third single 'That New Funkadelic'.
Dappy has unveiled a new stripped down number entitled 'Count On Me' more than six years after the release of his debut solo album.


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December 4, 2014
How to Think About Self-Control
“Self-control” is a catch-all label for resisting all sorts of temptations, including overspending. According to a new study, controlling overspending can be broken down into three distinct behaviors:
• Setting goals such as buying a house or saving money.
• Monitoring bank statements to systematically track where your money goes.
• Committing to the goal in the face of short-term temptations to spend.
Data for the study came from a nationally representative U.S. survey of households over age 50. The survey has extensive information about the households’ finances and about each individual’s resolve to set goals, track their finances, and carry out their commitments – whether financial or non-financial.
Households lacking self-control disproportionately have lower net worth – no surprise there. The largest effect is on their liquid financial assets, such as checking and savings accounts and IRAs. Impulsive consumption “is more likely to have an immediate impact on liquid holdings than on illiquid assets,” such as property, said the researchers, who are from Goethe University in Frankfurt.
More interesting is their analysis of the role played by self-control’s three individual components. The study found that the third ingredient – the ability to stick to commitments – draws the darkest line between success and failure in accumulating net worth.
But the researchers also divided net worth into “real wealth” – homes, other property, or vehicles – and financial wealth, which is more easily liquidated than property. Commitment again proved most important in determining whether people own property. But when it comes to accumulating financial wealth, monitoring one’s finances plays the largest role.
Everyone talks about self-control. This study clarifies what it is.
December 2, 2014
Curbing Debt: It’s Not What You Know
The biggest financial hurdle facing workers with low incomes is just that: inadequate income to meet their daily needs.
Low-income households are further tripped up by their greater tendency to borrow at high interest rates – rates they are the least able to afford in the first place.
Some academic research blames this on poor financial literacy. But a new study out of Northern Ireland examines two separate aspects of financial literacy and finds the problem is not a lack of knowledge but rather an absence of money management skills.
Among “financially vulnerable” people, the study concluded, “money management skills are important determinants of consumer debt behavior” and “numeracy has almost no role to play.”
The study involved researchers conducting one-hour, face-to-face interviews in low-income neighborhoods in Belfast. They interviewed 499 people whose average gross earnings were the equivalent of $567 per week or less. …Learn More
November 4, 2014
5 Signs of Financial Impairment
In a videotaped experiment testing her financial cognition, an elderly woman must prepare three utility bills for mailing. She’s seated at a table holding the bills, along with three filled-out checks, and three envelopes – each with one utility’s name on it. After considerable effort and confusion – checks paired with the wrong bills; bills placed into the wrong envelopes and taken back out – she finally finishes her task.
New difficulty carrying out simple financial tasks or understanding financial concepts that were once familiar can be warning signs of cognitive impairment due to aging, early stage Alzheimer’s or other causes, said Daniel Marson, a neurology professor and director of the Alzheimer’s Disease Center at the University of Alabama, Birmingham.
Financial skills are “the canary in the coal mine from a functional standpoint,” he said. “When you are seeing new problems in the checkbook or arithmetic errors, those are signs of an emerging disability.”
Driving, for example, may not be affected as much early on, because it relies more heavily on motor memory. “You don’t have to think about making a right turn or signaling,” he said.
The chances of having Alzheimer’s disease are slim for most older Americans; only one in nine do. Forgetting to pay a bill is more often just a sign of a bad day, and the inability to balance a checkbook or understand investments is not a warning sign if the person was never able to do so. To gauge whether the cognitive ability of a loved one or client may be in decline, the benchmark should be what he or she was able to do financially in the past – and whether that’s changed over time.
At a recent symposium, “Financial Planning in the Shadows of Dementia,” Marson provided five financial warning signs, developed from his clinical work and research as a neuropsychologist. The warning signs are: …Learn More
October 23, 2014
How Emotions Meddle with Money
Our 401(k) retirement system requires most workers to save for the future. But it’s difficult to reach this increasingly important goal, because our emotions – overconfidence, pleasure, fear of loss – get in the way.
“We believe our own nonsense,” is how Daylian Cane, a professor in the Yale School of Management, explains financial behavior in a new public television program, “Thinking Money: The Psychology Behind our Best and Worst Financial Decisions.” The short video above is taken from the program.
Further clouding our judgment are a vast array of consumer products, and the stress produced by how easy it is to purchase them with a credit card swipe and how hard it is to pay off the cards.
“Thinking Money,” a production of Maryland Public Television, covers many topics covered by this blog, including help for people trying to overcome their emotional obstacles.
“Thinking Money” is scheduled to air in its entirety on public television stations around the country in coming weeks. Click on “Learn More” for a list of broadcast dates in major cities. …Learn More
September 18, 2014
On Moms, Deadbeat Boomers, and Utopia
This blog has a single writer posting just two articles a week. So it’s impossible to keep up with all the news that crosses the transom.
But perhaps because the work world is gearing back up this fall, there have been a lot of interesting stories lately about financial behavior. Here are three worth noting:
Fatherhood adds to paychecks – motherhood, not so much. A new study estimates that women actually face about a 7 percent “wage penalty” for each child. So, having two children reduces a woman’s hourly wages by 14 percent, according to a new study out of the University of Massachusetts at Amherst. In contrast, annual earnings for fathers are about 8 percent higher than similarly situated men who have no children. This research sheds more light on the wage gap.
Baby boomers are having to pay off college loans they took out decades ago. Some 155,000 older Americans are now seeing deductions from their Social Security checks to pay their federal student loans – up from 31,000 a decade ago – according to the U.S. Government Accountability Office. Parents often co-sign loans for a child’s education, but the GAO report says that about three out of four dollars of boomers’ loan balances are for their “own education.” Baby boomers never borrowed the large amounts that today’s steep college tuitions demand. But what’s not discussed in the report is that the garnisheeing of Social Security benefits may be due to a cultural artifact of the 1960s and 1970s – when attitudes toward repaying student debt were, well, loose. Laws requiring repayment have become more stringent. …Learn More
August 12, 2014
Credit Union Popularity Rises
It’s not hard to find glowing testimonials online about credit unions – friendlier staff, lower fees, and faster processing of loan applications, credit union customers say.
“Way better than a bank!” Dan F. says about his Iowa credit union.
Now this warm, fuzzy feeling among existing credit union members seems to be reaching the general public. The Credit Union National Association (CUNA) reports membership growth exceeded 2 percent annually for the past three years, ending a lull that was taking hold only a decade ago.
In CUNA’s newest count – the year ending 2014 – total membership increased to 100.1 million members. CUNA president Bill Hampel’s theory is the financial crisis of 2008-2009 “soured a lot of people on the big banks.”
People do trust credit unions a lot more than banks, especially large banking companies, according to a “trust index” tracked by the University of Chicago and Northwestern University’s business schools. Two-thirds of Americans trust credit unions, the index showed recently, while only one in four trust a major bank. …Learn More
August 7, 2014
An Anti-Retirement Advocate
At 89 years old, retirement is one of the few things that has not made it onto Robert E. Levinson’s vita.
Levinson almost single-handedly seems to be trying to start an anti-retirement movement. He feels so strongly that he once wrote a book titled, “The Anti-Retirement Book.”
“I just feel very strongly that one should never retire, or if they’re forced to retire they should try to find something productive to do,” he said.
Though not wealthy, Levinson is one of the lucky Americans. The long-time businessman and fund-raiser for a Florida college is college educated and said he is comfortable financially. But when he looks around his luxury senior community in Delray Beach, he sees pain and regret. Many residents seem idle. For example, a retired physician sits in the lobby waiting for people to drop by and consult him on their ailments. …Learn More

domain: news


I can not get my audio to work properly.
AKG headphones plugged into dac/amp (Sennheiser GSX 1000) via 3.5mm jack.
The amp then connects to my pc via USB.
At this point things are working great!
Mic (Blue Yeti X) connected to pc via USB.
This is where things go wrong.
I use chat apps like “Discord” and sometimes “Steam” but ever since I’ve started to use my new setup I can’t get the mic to work at the same time as my headphones and dac/amp. Either the mic wont pickup my voice or the headphones have no sound, the issues vary and change randomly.
My question is… Is it normal to have a USB mic connected and a USB dac/amp connected at the same time without issues? Or have I stumbled across a common error?
Have you checked in your sound settings (right click the little speaker icon in the bottom right of the taskbar) to make sure that output and input are set to the correct devices? Sometimes my computer will put my mic as the output (I think since it has a port for monitoring).
You may need to find similar settings within Discord, or other programs you use.
Hi MrAyrit, Yes I’ve changed those settings numerous times unfortunately, I’m really confused as to what this issue is.
For example… if I plug the headphone 3.5mm jack straight into the pc everything works fine, also if I plug the headphone directly into the Blue Yeti mic, again, everything works fine and as it should do. The problems only appear to be present when i introduce a USB dac/amp into the setup. I’m beginning to think I may have a hardware fault or some sort of incompatibility issue.
I use a USB mic and also a USB dac, and can even have multiple dacs connected with no issues.
Go into your sound control panel and see, if everything is set correctly as the default output/ input devices. I use an USB Dac and an usb modmic together and it works fine. You probably have to switch your input default from your gsx/motherboard to the blue mic. Disable all the inputs you don’t use. Might work.
Definetly not normal behaviour. As in: When does something just work?
As you want all your sound to go over the GSX1000, go to Discord
Voice & Video and set Output deevice to default and Input device the Blue Yeti:
Then you click on the speaker symbol in windows and select the GSX from the list (click on the device to bring up a list):
In case the above fails:
Download and install VoiceMeeter
- Hardware out is the GSX1000
- Virtual Input is Discord mic in
- HW-Input would be internal loopback (or similar, may have to enable that in Windows Sound manager or Driver in case of Realtek onboard)


Open Platform Communications (OPC) is a series of standards and specifications for industrial telecommunication. OPC specifies the communication of the real-time plant data between control devices for different developers of SCADA software. OPC was designed to provide a common bridge for Windows-based software applications and process control hardware. The aim was to reduce the amount of duplicated effort required from hardware manufacturers and their software partners.
Tibbo OPC Server supports the most common OPC specification - OPC Data Access (OPC DA), which is used to read and write real-time data. The data source can be any device that supports the Tibbo AggreGate protocol. AggreGate is a white-label IoT integration platform employing modern network technologies to control, configure, monitor and service electronic devices, as well as distributed networks of such electronic devices. It also helps you aggregate device data in the cloud, where you can "slice and dice" it according to your needs, as well as let other enterprise applications transparently access this data through the AggreGate server.
Tibbo OPC server has built-in AggreGate network protocol and can interact with any Tibbo devices by AggreGate agent protocol as well as it can connect to AggreGate server. The AggreGate agent protocol open-source implementation is published for Java, C#, and C++ programming languages, so your connection scheme is not limited to Tibbo devices or AggreGate server only.
The simplest example: TPS reads Tibbit #29 (Ambient temperature meter), sends data to OPC server by AggreGate agent protocol.
A more complex example: you have a Windows-based PC that controls a wood processing machine with the help of AggreGate server by the Modbus protocol. If Tibbo OPC server is connected with AggreGate server, the data from the machine is transmitted to Tibbo OPC server and, as a result, you can monitor and operate the machine via any OPC client (e.g. Matrikon Client).
Tibbo OPC Server sends the OPC Client applications the information on the Value, Quality and Timestamp of an item (tag). These fields are read from the AggreGate variables.
If OPC Server loses communication with their data source (AggreGate Server or AggreGate Agent), the process values are set to Bad [Configuration Error] quality. If the AggreGate variable value is empty, the quality is set to Uncertain [Non-Specific].
Concordance table of the AggreGate variables and the OPC data types are represented in the following chart:
|AggreGate Data Type||OPC Data Type|
|DATATABLE||OPC VT_BSTR (by default)|
It also supports arrays of simple data types listed above (VT_ARRAY).


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09:36NHS crisis: 19 hospitals face axe as doctors accuse Government of deliberate underfunding
23:00Can you help to find the lost pink horse of Berkhamsted?
23:00Take the lead in pet competition
11:04Hertfordshire's vaping and e-cigarettes policy being rolled out across the country
16:07Nokia to re-launch the 3310
09:53Don't forget all the services that pharmacists can offer in Hertfordshire


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1st Advantage welcomes Vickie Noel as Business Relationship Manager
YORKTOWN, VA (May 27, 2014) — 1st Advantage Federal Credit Union is pleased to announce that Vickie Noel has joined the Credit Union as the new Business Relationship Manager. Noel has over 25 years of banking experience with 14 years in business and commercial lending. Noel will be responsible for prospecting, acquiring, developing and retaining small business banking relationships for 1st Advantage.
About 1st Advantage Federal Credit Union
1st Advantage Federal Credit Union, a not-for-profit financial institution, is headquartered in Yorktown, Virginia. Established in 1951 as Ft. Eustis Federal Credit Union, 1A serves 60,000 members and operates 13 branches in Southeastern Virginia. For more information please visit www.1stAdvantage.org.

domain: finance


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As New York City is known to be the mecca of Hip Hop, Mercedes Mike creates his distinctive mark. Born in the Bronx but raised in Queens, this southside native effortlessly created a name for himself through his meaningful lyrics and relatable messages. He blends in elements of soulful beats, many classical opera samples mixed in with life experiences and struggles for inspiration. His unique ingenious process creates timeless and authentic music.
In 2009, he formed an independent record label, MTM Records, which stands for Motivation to Morals. This platform was established to connect up and coming artists and creatives to innovative and push the culture. He designed a unique and creative process that differentiates him as a an artist. His ultimate goal in being successful is to eventually create jobs and opportunities for others to excel in life and stay motivated. Mike remains devoted to connecting with his listeners and other artist to deliver positive and inspirational music. He recently released his first EP, Dedication that is hosted by DJ Super Star Jay. This project was premiered at Quad Studios in New York City and with a massive amount of positive feedback Mike tells us what inspired this project.
“My life experiences influenced me to tell my story through music. I feel like music has an interesting way of bringing people together, bringing awareness to certain issues and most importantly sharing your story for others to relate. I titled this project, Dedication because I wanted it to reflect what I was feeling. I remained dedicated and consistent to finish my first project in a timely manner. I used all my resources to put together a timeless tape that consisted of authentic music.”
These days many creatives are becoming more hands with their visuals. Mercedes Mike co-directed the first single of the Dedication EP, “Gunz and Butter.” With his keen eye for detail and soulful flow this multitalented wordsmith is destined to be one of New York’s most salient emcees.
To listen to “Dedication” click below!

domain: artistic


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So, you have purchased a vape pen or electronic cigarette, what to do now? Despite the fact that most of the vapor kits can give you everything that you need to start on vaping, there is one very important accessory that you might want to choose for yourself and this is the e-liquid or otherwise known as e-juice or liquid nicotine. This substance is in charge for creating vapor that you see when using an ecig. Not like when smoking cigars, you’ll have plenty of other options when you use e-liquid with regards to nicotine concentration, flavor and several other factors.
Here are some features that you have to look for in e-juice prior to buying one for your vape pen.
Number 1. Flavor – perhaps, this is the number one thing that many buyers consider in their juice. Aside from menthol and tobacco, other varieties come in unconventional and fun flavors from vanilla, coffee, chocolate and even fruits such as watermelon, strawberry, cherry, mango and many more. It is totally fine to mix your own or even try one flavor at a time. Not only that, the flavors for e-liquids do come in specific flavors including cream, peaches and cotton candy.
Number 2. Strength – the strength of nicotine is yet another integral factor in buying e-liquid especially for one who switched from smoking to e-cigar. In general, the bolder the cig you smoke, the higher the concentration of the nicotine you would prefer. You might like to opt for 18 to 24 mg/ml for the nicotine if you’ve switched from using full flavor cigars.
For those who smoke lightly, you are going to enjoy 12 to 18 mg/ml and as for ultra light smokers, they can get away with 6 mg/ml or even less. For those who have kicked the habit of smoking or non-smokers but still want to try vaping, there are e-juices that has no presence of nicotine or whatsoever.
Number 3. Throat hit – this term basically refers to the feeling of smoking with a cigar as it hits your throat. This feeling is also available when vaping but it largely depends upon the kind of e-juice you’ve chosen. For former smokers, the concentration of nicotine anywhere 8 to 16 mg/ml could deliver optimal throat hit. Additives in the e-juice like cinnamon, grain alcohol, capsaicin and menthol all help in contributing throat hit.
Number 4. Safety – brands of e-juices are popping up everywhere as e-cigars become more and more popular. This is the exact reason why you must practice caution when you choose one to be sure that the juice you are going to buy is manufactured following high safety standards.
Recommended reference: read this


16 Wide House Plans
16 Wide House Plans Free Download PDF Video. Get 16 Wide House Plans : Learn beginner to advanced tutorials, how to's, and tips to improve your woodworking projects. Product reviews, video walk-throughs, galleries and more. Search For 16 Wide House Plans
16 Wide House Plans
16 Wide House Plans Narrow Lot House Plans - Houseplans.comNarrow Lot House Plans. Our Narrow lot house plan collection contains our most popular narrow house plans with a maximum width of 50'. These house plans for narrow lots are popular for urban lots and for high density suburban developments. To see more narrow lot house plans try our advanced floor plan search.. Narrow Lot Home Plans | FamilyHomePlans.comThese narrow lot home plans are designs for higher-density zoning areas that generally cluster homes closer together. The advantage of searching our online collection of house plans for narrow lots is that you can easily find an extensive variety of narrow homes.. The 16 Best 30 Feet Wide House Plans - Homes PlansThe 16 Best 30 Feet Wide House Plans. December 4, 2017. View Gallery 16 Photos . May you like 30 feet wide house plans. May these some images to find brilliant ideas, imagine some of these inspiring photos. We like them, maybe you were too. Perhaps the following data that we have add as well you need.. 16 Feet Wide House Plans | Atcsagacity.com10 foot wide house plans 16 58 luxurious 30 ft 33 lovely 16 foot wide house plans house plan for 17 feet by 45 plot size 85 square yards 16 foot wide house plans lovely 24 by size handphone 31 inspirational 20 ft wide house plans house plans 16 feet wide inspirational best 25 narrow ideas on pinterest.. Narrow Lot Duplex House Plans, 16 Ft Wide Row House Plans Narrow lot duplex house plans, 3 bedroom duplex house plans, 2 story duplex house plans, D-430 See a sample of what is included in our house plans click Bid Set Sample. This house plan can be seen in the following architectural types and categories. Victorias Cottage - countryplans.comThe 16' wide section has high sidewalls and two lofts. There are porches front and back and the house is filled with light. The private patio/garden area connects the bedroom and main space with an outdoor living room. . Awesome 16 Wide Mobile Home Floor Plansmanufactured prefab homes listings all american modular from 16 Wide Mobile Home Floor Plans, source:allamericanmodularllc.com. Most People possess a dream house within their heads but fear so much the however rocky market and the likelihood of losing money.. Excellent Floor Plans - Google SitesBuilding size: 16'-0" wide, 38'-6" deep (including porch) Main roof pitch: 8/12 Ridge height: 17' Wall height: 9' Foundation: CMU Blocks Vinyl lap siding 2x4 walls standard. Basic dimensions for 2x6 walls also provided. This plan is in PDF format so you can download, and print whenever you like. Plan prints to scale on 24" x 36" paper.. 65-75 Ft Wide, View-Lot House Plans - The Plan CollectionThe width of these homes all fall between 65 to 75 feet wide. Have a specific lot type? These homes are made for a view-lot. Search our database of thousands of plans. FREE Shipping on House Plans! FREE Shipping on House Plans! House Plans By Feature: House Plans By Square Footage: Newest House Plans. Ranch House Plans and Floor Plan Designs - Houseplans.comRanch House Plans and Floor Plan Designs. Looking for a traditional ranch house plan? How about a modern ranch style house plan with an open floor plan? Whatever you seek, the HousePlans.com collection of ranch home plans is sure to have a design that works for you. Ranch house plans are found with different variations throughout the US and Canada..
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I spotted this recipe as I was tuning into Rachel Ray cleaning one of the guest rooms the other day. Sometimes this is why it takes me so long to clean. Ha. I get side tracked easily sometimes. I liked the thought because it was one of her 30 minutes meals. Not really breakfast, not really dinner, so I am classifying it as brunch. It reminded me of when I vacation down in Mexico and what I might eat for breakfast while I am there. You be the judge.
Frito Frittata – Serves 4 healthy portions.
1 TB olive oil, 1/3lb. ham, 3 TB butter, 1 small onion, 1/2 sm. red pepper, seeded and finely chopped, 1 jalapeño pepper, thinly sliced and chopped, 2 garlic cloves, finely chopped, salt and pepper to taste, 1 sm, tomato chopped, 2 TB. cilantro, 1 1/2 C Fritos lightly crushed, 10 eggs, lightly beaten, 2 oz. pepperjack cheese, cubed and 2 oz. shredded sharp cheddar.
Preheat oven to 400 degrees. In a large , ovenproof skillet, heat olive oil over med. heat. Add the ham and cook until browned, about 5 minutes. Transfer to a plate.
Add butter to the skillet and cook until foamy. Add onion, peppers, garlic and salt and pepper. Cook about 3-4 minutes. Stir in tomato and cilantro. Scatter ham and corn on top.
In a bowl, beat eggs and season with salt and pepper. Pour egg mixture over ham. Scatter the cheese on top. Cook until the eggs are just set-3-5 minutes. Transfer pan to oven and bake until puffed. About 12 minutes or so.

domain: food


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“We could’ve been anything that we wanted to be…”
7th graders decided they were weaker divided, becoming “Good Guys” in a knock-out production of Alan Parker’s musical comedy Bugsy Malone.
Set during the prohibition period where mobsters ruled the mean streets of New York and Chicago, two rival gangs – the ruthless Dandy Dan pitted against the ever-so slightly more endearing Fat Sam Stacetto – slug it out with their custard pies and splurge guns at the fore.
Meanwhile an on/off romance is developing between ex-boxer and small-time boxing promoter Bugsy Malone and the new singer in town Blousey Brown.
After Sam’s gang are all wiped out, Bugsy is called upon to save the day with the help of Leroy and a motley crew of down & outs.
Two successful shows left audiences thoroughly entertained and the 7th graders set their sights on Broadway!


On her Facebook page, Ellen asked her fans about the worst gift they ever received. Their answers have to be seen to be believed! Watch here.
- Ellen and the Oscars Demi Lovato Talks Baring It All at the Grammys Ellen Gives Her Single Biggest Gift Ever! Ink About It Jimmy Kimmel Gets Oscar-Ready!


Monday, 30 August 2021
Ficksburg: The police in Ficksburg are looking for a suspect/s involved in the fatal shooting of two men in separate incidents.
In the first incident, the body of an unknown male was found on Saturday; 28 August 2021, in Zone Eight; near Zwakala. The deceased sustained a gunshot wound to the forehead. He was wearing blue pants and a black jacket.
On Sunday; 29 August 2021, the body of another unknown male person was found in Zone Eight; near Madinonyana tavern. The deceased also sustained a gunshot wound to the forehead. He was wearing a brown blanket and gumboots.
The motives for the killing in both incidents are unknown and it is not yet confirmed if both incidents are linked.
No one has been arrested as yet and Police request anyone who has information about the suspects to please contact Detective Lieutenant Colonel Kholanyane at 082 301 9578 or Crime Stop at 08600 10111, alternatively send information via MySAPS App.


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VIDEO: Aramco extends its marine environmental commitment by ‘Caring for Coral’ in U.S. waters
Grants go toward efforts to generate groundbreaking science and innovative thinking around coral ecosystem health.
Aramco Americas has joined the U.S. National Fish & Wildlife Foundation and the National Oceanic and Atmospheric Administration through its Coral Reef Conservation Fund to support grants helping to restore the health and resilience of coral reefs in U.S. waters.
Unlike restoring wetlands or forests, coral reef restoration is a relatively new science. The future of coral reefs requires collective action by partners and will generate groundbreaking science and innovative thinking around coral ecosystem health and resilience-based management.
Watch how Aramco Americas support is contributing to the largest coral restoration project ever attempted in U.S. history.
Keri O’Neil, program manager and senior scientist at the Florida Aquarium Center for Conservation.
“I fell in love with the ocean going on summer trips with my parents to Florida, seeing all of the corals and fish.
“The first coral restoration project I ever worked on, I was planting corals on that same reef where I used to snorkel as a kid.
“Elkhorn coral used to be very prevalent. There’s only about 200 individuals left in Florida. So, a big focus of Mission Iconic Reefs is to restore this species in particular. “
Ellen Bolen, director of Marine and Coastal Conservation for the National Fish and Wildlife Foundation
“Mission Iconic Reef is a partnership to restore seven iconic sites along Florida’s coral reef. The scale of this restoration is monumental and it’s going to take many partners like Aramco to make this vision possible.
“Aramco came to the National Fish and Wildlife Foundation with an interest in biodiversity and innovation in the conservation space."
“Funding gives us the opportunity to come up with innovative solutions. A lot of people don’t understand what a coral even is. Most people don’t even realize they’re animals.
“Once the corals die off, the whole reef begins to collapse around them. There may be children that will never see a healthy coral reef in Florida and that worries me.
“We have to act now. We have to think outside the box. This is a really innovative laboratory.
“In the tank behind me is a specially designed aquarium system that mimics all of the natural cues that a coral would get in the wild to induce it to spawn. There’s no feeling like it to watch a coral go from the day it was born here in our lab to growing in our greenhouses and then watching it go out into the ocean.
“A lot of the work we do just hasn’t been done before. I hope the work that we are doing can keep the species going and give us a real chance to build a healthy coral reef back in Florida and inspire future generations to protect it."


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Hyderabad, March 17th, 2021:HDFC ERGO General Insurance Company, India’s leading private sector general insurance company, has emerged as the most preferred insurer in India by crossing 10,900 crore in gross premium income YTD Feb 2021, covering more than 1.5 crores lives.
This exemplary growth during the pandemic has been facilitated by HDFC ERGO’s largest distribution network of 1,40,000+ agents, 60+ corporate agents, 203 branches, 323 digital offices and 17,000+ cashless claims service points (10,000 hospitals and 7,700 garages) across cities in India.
While the year 2020 presented the world with challenges, 2021 is expected to be the year of hope, a year that will help the world bounce back coupled with ways to reward oneself and ones with the best experiences. To corroborate this, the company has recently launched campaign #21ReasonsWhy with a motto to establish itself as a ‘One-Stop-Shop’ for all the insurance needs of their customers, be it protecting themselves, their loved ones against any medical exigency or protecting their movable/non-moveable priced possessions. HDFC ERGO is committed to ease their customers’ journey through the product & services offered across Health, Motor &Home Insurance and others. The #21ReasonsWhy the campaign is a 360-degree campaign across all the brands communication platforms including social media.
Speaking on the campaign, Mr. Mehmood Mansoori, President - Shared Services & Online Business, HDFC ERGO General Insurance said, “The year 2020 allowed us to reflect individually and prioritise our lives and that of our loved ones over everything else. It has allowed individuals to focus on having the right insurance products to protect ourselves and our assets. Our campaign #21ReasonsWhy, focuses on educating consumers about their financial well-being and the importance of insurance to deal with any unforeseen situations. The campaign will also highlight what consumers should expect from insurers and to consider the right insurance brand by asking questions that matter the most while purchasing one."
On the customer experience front, the pandemic has been a litmus test of HDFC ERGO’s digital capabilities. HDFC ERGO adopted the digital-first approach a few year back and has transformed into a ‘Digital Insurer’. Not only has the sales process been entirely digital with ~97% of retail policies issued digitally but the self-help tech platform has empowered customers to avail more than 80% of the services virtually in a self-service mode on a 24x7 basis. The Company recently launched the AI tool IDEAS (Intelligent Damage detection Estimation and Assessment Solution) for motor claim settlements that supports instant damage detection as well as calculation of the claims estimate for the surveyors to help in motor claims settlement in real-time.
In the state of Andra Pradesh& Telangana, HDFC ERGO has 17 and 12 digital offices respectively along with 9 and 6 branchesin each state. In Hyderabad city HDFC ERGO has with more than 12,200+ agents. This large distribution infrastructure is supported by the servicing team in remotely processing the pre-authorization of health claims and discharge cashless claims in less than 20 minutes. In this financial year until January 31, 2021, HDFC ERGO has honoured more than 7,800 Health Insurance claims in the Hyderabad market, of which 1400+ were claims for COVID-19.