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Introduction: Taking charge of your money has become simpler than ever with online budget planner tools. These digital helpers make budgeting easy, and in this guide, we’ll break down the steps to use them and introduce you to some of the best budgeting apps available in India.
What is an Online Budget Planner Tool?
An online budget planner tool is like a friendly assistant for managing your money. It helps you keep track of what you earn, what you spend, and even your financial goals. These tools are designed to be easy to use, even if you’re not a money expert.
Step-by-Step Guide to Using an Online Budget Planner Tool:
Pick the Right Tool:
- Choose a budgeting tool that suits you. Look for one that’s easy to use on your phone or computer.
- Some apps let you try them for free, so you can see if you like them before paying.
Make an Account:
- Sign up for an account with your chosen tool. It’s usually just a few simple steps.
- Some tools might let you use basic features without paying anything.
Sort Your Spending:
- Create categories for your spending, like food, rent, and entertainment.
- Put your transactions into these categories. It helps you see where your money is going.
- Decide what you want to do with your money, like saving for something special or paying off debt.
- The tool helps you keep an eye on how you’re doing with your goals.
Keep Track of Your Spending:
- Regularly put your spending into the tool. It helps you see how much money you have left to spend.
- The tool can also show you where you might be able to save money.
Check and Change:
- Every so often, take a look at your budget. See if it still fits your life and if you’re reaching your goals.
- Change your budget if things in your life or money situation change.
- Some tools can send you reminders about bills or when you’re spending too much in one category.
- These reminders keep you on top of your money without stress.
Look at Reports:
- Use the reports in the tool to see how you’re doing overall. It’s like a snapshot of your money health.
- Use this information to make smart money decisions.
Best Budget Planner Tools in India: Quick Overview
- Explore Budget Planner for insightful budgeting tips and financial news tailored for the Indian audience.
- Stay informed about the latest trends and tools to enhance your financial management skills
- Walnut is user-friendly and great for tracking daily expenses.
- It automatically tracks your spending and helps you plan for the future.
- Money Lover is simple and lets you manage your money in multiple currencies.
- It’s handy for tracking expenses and setting budgets.
- ETMoney offers a holistic view of your finances, including investments and insurance.
- It helps you grow your money with smart investment options.
- Expense Manager is straightforward, allowing you to manage your expenses efficiently.
- It’s great for those who prefer simplicity.
- Mint is easy to use and offers insights into your spending habits.
- It helps you create budgets and stay on top of your bills.
Taking control of your money is a journey that begins with easy budgeting habits. By following these simple steps and exploring budgeting apps designed for the Indian audience, you can manage your money wisely, reach your goals, and build a secure financial future. Remember, the key is to keep things simple and make budgeting a part of your routine – with the right tools, financial success is right at your fingertips.

domain: economics


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I took my first drink on a late evening in May, 2002. I was 17 years old. “Don’t think so much about how it’s going to taste, but think about how good it will make you feel,” was the instruction I was given while walking along a set of abandoned train tracks, my cargo shorts stuffed with beer cans.
As of the day this is published, I took my last drink on October 9, 2011. I was 26 years old. I didn’t care what it tasted like, I just knew that it would help me not feel the way I was constantly feeling.
I am an alcoholic. I am also a drug addict. God has blessed me with the opportunity to know Him in a truly personal way through my recovery from alcoholism and addiction, a relationship that I’m not sure I would have if it wasn’t for the dark hole that drugs and alcohol sucked me into and the suffering I put myself through as a result.
I drank or used drugs every day, and my life, in every way possible, was falling apart. As the pieces have come together, God has revealed Himself to me in some very blatant and very subtle ways. He had not given up on me like I had.
I can’t tell you how it all happened because it still remains a miracle that I don’t understand, but I can scratch the surface on telling you what my life was like, what happened, and what it is like now.
HERE IS MY STORY:
Not long after my first drink I began to find that alcohol (and later, drugs) could do for me what I could not do for myself. It offered me courage, apparent charm, and most importantly, a retreat from my worries and problems. Although I had a thriving social life, I was isolated in all of my fears and angst. Thus, when I found a solution to these helpless feelings I wanted nothing more but to return to the promised relief of these substances.
At the same time, I began to find that I was compromising the things that were once important to me. My close friends were seeing less of me as I spent time with those who preferred a more carefree lifestyle. Relationships with my parents and siblings began to slide as I withdrew from my family and those closest to me, oftentimes lying to them and deceiving them about what was really going on. These tools of manipulation were ones that I used even before I became an alcoholic as a means to evade short-term consequences, but became more prominent and damaging as I began protecting my poor choices.
While I did not grow up with a devout sense of religious obligation, I did have a moral compass that I credit as a gift from God and very loving parents. However, the code that I did my best to live by started deteriorating as I built a muffler to the Voice that was convicting me of doing wrong. Integrity was something of the past, and my selfish and self-centered behavior started affecting more than just myself.
Read more at Catholic in Recovery

domain: literature


The Tesla Model S has surpassed a variety of car brand and models! With innovative manufacturing designs from the enormous sunroof to the front trunk (frunk) – allowing you to fit in relatively large items than a normal hatch back would.
This beast of a vehicle is designed with the future in mind. Providing you with full self-driving capabilities and an interior designed to keep you entertained and focused via an enormous 17” interactive touch screen infotainment system.
The Brodit ProClip right car mount (product code 605732) is the only extra that you need for the Tesla Model S. The ProClip is made from a black, sleek, high grade ABS/Acetal plastic; not only does it perfectly co-ordinate with the sleek interior of the Tesla Model S, but it also perfectly blends in with any car aesthetic that you made choose to have.
The ProClip mount will fit perfectly with any Brodit car phone holder, allowing you to keep your devices in a safe and comfortable position. This will allow you to keep your phone in one position, without worrying about misplacing it before you set of for a drive. Brodit car phone holders are device specific and can be found using the device search.
If you ever need to upgrade the device that you own, you will be able to install the Brodit ProClip car mount without the need to constantly upgrade it. All you will need to do is change the car phone holder so that it is a perfect fit for your device.
You will also find that it will be easier to use the handsfree option on your mobile phone or navigation phone as it will be within voice activation reach. Allowing you to drive safely with no technological distractions.
The Brodit ProClip is easy to install and will not cause any damage to your Tesla Model S dashboard. Allowing you to independently install your ProClip with the need for any drilling or specialised tools.
Brodit ProClip mounts for Tesla Model S are available on special order, and lead times from the manufacturer is 7-10 days.


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The Sioux fall and Rapid urban area dollar funding shops have reopened unique passageway.
Cash mortgage heart executive Chuck Brennan close each one of their own segments on the updates after voters approved a guidelines that capped amount interesting for payday loaning at annually.
Chance got mentioned by him or her limit triggered him/her history.
The signal claims just about everything The buck debt hub is literally open for organization again these days offering one unique lending products manager Chuck Brennan states they reopened the businesses because individuals asked him for help week.
The man launched a statement mentioning estimate within guidelines changed and now there was recently been built to cease executing lending products we’ve been buying reviews that is prolonged all of our people to support these people creating a funding.
According to dime funds hub’s page users in Southern Dakota happens to be able to get lending options which range from with the transaction definitely complete because of in weekly with to a APR.
If however people isn’t going to repay in good time they are going to have got a charge for each it’s later part of the day.
You’ll cannot payback that mortgage therefore shell out that more than a few weeks in just 2-3 weeks you will be into spending over in attention, South Dakota Senator Reynold mentioned should you decide obtain you will pay a weekly price and people’ll find is.
might present regarding the time period behind the money debt centre’s reopening.
our problems might be the legislature do get an item in a spending seasons which last inadvertently accepted this product having the capacity to be used and therefore that’s what i am next abreast of, these people outlined yet again of Southward chosen for a speed limit earlier December that is certainly what exactly is the folks of south Dakota desire.
Brennan claims minus the dollars financing sites folks have been obliged to obtain from illegal root or acquire on line and pay out x what they been paying before but utilizing replicated considering say financial institutions.
Financial experts declare people that become a member of any obligations need by thought they prior to signing of the filled run.
No matter what sorts of money they’re going to they need to thought those several cost of the loan how much time can they guarantee that it it’s for how longer do they really like to preserve they with regards to appeal the charges the charge which can be late charges that can be had in this, Breck Miller with Lutheran cultural vendors described.
Miller says there are various choices for customers monetary issue contains promoting products from home the two not have to have plasma definitely offering lending dollars from a person or relative.
Brennan sure Information he is open the penny funding clinics to evaluate the feasibly linked to the .
This could be a complete incidences where in fact the consumers should develop should the solution continues to be around centered on their particular charge regimens.
An announcement from coin financial core driver Chuck Brennan
It has stayed continuous and contains not slowed down If any such thing it consists of greater due to the fact legislation transformed and also now we happened to be expected to prevent carrying out lending products we’ve been getting consistent opinions from your associates to enable them to with a loan.
Folks have been recently expected to obtain from unlawful supply or borrow online and shell out times what exactly they were spending before but using copy out of state loan providers.
The customers needs will thrust the marketplace constantly.
Political leaders telling you that you just should never would really like a solution or tool does not reduce the dependence on this program.
Even i did not are aware of the quantity exactly how many consumers be determined by short run financing in SD.
There won’t be any warranties this goods is definitely being victorious though you will find an obvious needs and as much as possible DLC want to just be sure to cover some vendor wants.
We have now open one town in Sioux drops and the other in smooth town to utilise the feasibility of loaning through the . After we be aware of the relationship between this first course we will decide upon they going or maybe not once we could keep.
While wondering this type of low rate there is not room into equations of defaulted financial products it is a online personal loan Georgia situation where the buyers should establish when the item stays around based on unique pay habits admittedly we have been enthusiastic about best and anticipate to unlock DLC to more areas in South Dakota.

domain: finance


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The impact of winning of the US President on the global capital markets - Dr. / Amer Ashour.
Interview with Dr. Amer Ashour about the International Monetary Fund.
Economy of Sultanate of Oman and the mechanism of its development - Dr / Amer Ashour.
Evaluating investments in sovereign funds for the Gulf States - Dr. / Amer Ashour.
Ways to support economic development in poor countries - Dr / Amer Ashour.
Relationship with what is going on in the capital markets with declines of oil - Dr / Amer Ashour.
Tools and methods of increasing the national product in the Arab Gulf states - Dr. Amer Ashour.
Mechanism of restructuring of the European economy - Dr. / Amer Ashour.
How to cure fiscal deficit in the budget of America- Dr. / Amer Ashour.
Ways of dealing with the family budget in Ramadan - Dr. Amer Ashour Noman
Gulf economy and the challenges of the present and the future
Financial analysis to world markets
Dr. Amer Ashour expert financial advisor in #Mal
Asian labor rights in Gulf reality and aspirations


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Tottenham Hotspur striker Alejo Veliz is currently on loan at the Spanish club Sevilla.
The 20-year-old joined the Spanish club on loan during the January transfer window and he was expected to play for them regularly. The loan move has not gone according to plan so far and the 20-year-old striker has played a total of 23 minutes in the Spanish league.
Tottenham are plotting another loan deal for the Argentine striker at the end of the season. He will return to Tottenham upon the expiry of his loan deal and he will head out on loan once again next season.
Fabrizio Romano has confirmed that ‘discussions will follow’ regarding his future and Tottenham are keen for him to experience regular football.
⚪🇦🇷 Tottenham are preparing new loan with different plan for Alejo Véliz for next season as he’s not playing at Sevilla.
Spurs want guaranteed game time for Alejo for next year as discussions will follow in the upcoming months.
Véliz, set to return from Sevilla in any case. pic.twitter.com/zlnYJLr5w6
— Fabrizio Romano (@FabrizioRomano) March 31, 2024
Alejo Veliz needs more playing time
Veliz is highly rated in South America and he has a big future ahead of him. However, he needs to play more often in order to fulfil his potential. Tottenham will not be able to provide him with that opportunity and therefore a loan move makes sense.
He needs to join a club where he will get ample gametime and Sevilla have not been able to provide him with that platform. Spurs must seek assurances from clubs before sending the player out on loan next season.
Veliz has the potential develop into a key player for Tottenham in the coming seasons but the North London outfit will have to handle his development carefully. The 20-year-old cannot afford to sit on the bench at this stage of his career.
The striker will certainly be frustrated with the way his loan spell at Sevilla has worked out for him. It will be interesting to see if he can get his career back on track with regular football next season.

domain: news


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Simple Summer Bouquet
This Simple Summer Bouquet uses Queen Anne's Lace, found naturally in abundance, to create a rustic bouquet that's perfect for any summer wedding. A DIY wedding bouquet is an easy way to cut costs, and you can use whatever grasses are native to your region to add texture and originality to this lovely white arrangement. Finish it off with a band of lace for that added delicate touch, or leave it bound with hessian or string for a simple, rustic wedding look.
Read NextGorgeous Crochet Bouquet

domain: artistic


Experts doubt tax-snitching can bring in new revenue
Some tax experts are raising questions over the effectiveness of the new federal plan that would pay whistleblowers to squeal on offshore tax evaders. They are wondering just how much the government will recoup in unpaid taxes and whether Ottawa has the resources to make such a program cost-effective.
Toronto tax lawyer Jonathan Garbutt said he doesn't believe the government has put much thought into the Stop International Tax Evasion Program, a plan in which snitches could receive up to 15 per cent of tax collected if their information led to the collection of unpaid taxes. The reward would apply only to amounts exceeding $100,000 in federal tax.
"The announcement and the discussion is far greater than the actual proposed legislation. Because it's nothing," Garbutt told CBC News. "At this point it's just a throwaway in the sense that somebody thought this was a good idea and put it in the budget to give something interesting."
"I know for a fact they have not thought this through based on what they're doing."
The Canada Revenue Agency has said that it has identified over $4.5 billion in unpaid tax. But Garbutt questioned whether the CRA has the resources to effectively pursue a whistleblower program to reclaim some of this money.
He said he has found that the department is already short-staffed when it comes to dealing with its Voluntary Disclosure Program, where people voluntarily come forward to disclose unpaid taxes. Add to that, he said, the fact that the government plans to cut $60 million from the CRA.
"They don't have enough officers to process the files in a timely manner with respect to people who want to come in voluntarily and do the right thing," he said. "How the heck, since they're cutting back, are they going to find enough people to work these files."
In a news conference shortly after the release of the budget, Finance Minister Jim Flaherty said the government is looking for "good clean information" and not from anyone "who has been convicted.
"We're not looking for rogues to turn in other rogues."
But Garbutt said the program will likely also bring out aggrieved spouses, disgruntled former employees, burned business partners and just about anyone who has a beef with a suspected tax evader.
He suggested the CRA needs set up a similar program as in the U.S. in which lawyers act on behalf of prospective whistleblowers to vet all the claims and work up the entire file.
"Do you think [the CRA is going to take every single crank call? It's just going to be a gong show unless they very quickly adopt the U.S. style of creating a buffer zone.
"What that means is the lawyers will separate the wheat from the chaff for them."
As for the 15 per cent reward, Garbutt also said the government is being very "parsimonious" in terms of what it's offering. In the U.S., the amount can be up to 30 per cent of the recaptured revenue.
"If somebody comes in saying they know somebody who has $100 million in an offshore account that they haven't reported, [they're] not going to be happy with just getting the 15 per cent," he suggested.
"I think they're going to have to be willing to be flexible on the amount of the reward. If they're not, then they're just not going to get the same quantity and volume as anticipated."
As well, since the program just goes after offshore tax evaders, the rewards may often go to non-Canadians who work in offshore banks and institutions.
Walid Hejazi, associate professor of international business at University of Toronto's Rotman School of Management, said that while the announcement makes for good politics, it is very questionable how much the government would actually collect.
Hejazi said the bar to prove tax evasion is high, and it will be difficult to actually collect suspect tax revenue.
"I think it's going to raise the hopes for some whistleblowers who will be let down," he said.
Hejazi said the government, instead, should focus on monitoring electronic transactions, and try to build more effective exchange-of-information agreements with offshore jurisdictions.
He suggested, however, that the new program might act as a good deterrent for offshore tax evaders.
"In terms of the amount of money they're going to generate from this, I think it will be low. But this legislation will say the likelihood of you getting caught has just gone up. As a result of that, fewer people are going to do it."


text: Media-streaming app Plex will come preinstalled on Sony's next-generation Google TV devices. A specialized version of the Plex app, aptly titled Plex for Sony Internet TV, appeared on Google play a few days ago. Since then, the description has been updated to read, "this Application is ONLY available for download on late model 2012 Sony Internet TVs." GigaOM reached out to Plex and confirmed that the media center software will come preinstalled on Sony TV devices to be released this year but provided no other information. Sony's NSZ-GP9 Blu-ray player and NSZ-GS7 media streamer will be released this summer in the U.S. and in other countries around the world in 2012.

domain: entertainment


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Join our award-winning healthcare team at Rutland Regional Medical Center. We invite you to check out our open positions and learn more about living in the gorgeous Green Mountains in Rutland, the heart of Killington Valley of Vermont. You’ll LOVE Rutland. Rutland is home to a safe community with terrific schools, very attractive housing prices, reasonable taxes, festivals & live entertainment and some of the most incredible year-round outdoor activities the Killington Valley has to offer. If you enjoy the outdoors, or would love to start getting outside to enjoy a more active lifestyle, try hiking our 4,000 foot peaks for spectacular panoramic views, all-day downhill mountain biking, zip lines, a mountain coaster and of course, skiing at Killington! Killington is famous for the best skiing in the East and being the first mountain to open and the last to close in Spring. See more information about living in the Rutland/Killington Valley.
Why join our team at Rutland Regional Medical Center?
We are an organization built on the principles of social responsibility, integrity, professionalism and community trust. We’ve built our reputation for excellence by hiring, training and retaining the most caring healthcare professionals in the industry and we’re dedicated to the success of our team. Our commitment to the communities we serve and to the development of our employees’ careers embody what it means to be the best.
We're in search of the best and we invite you to apply today.
We know what it means to be ranked among the best healthcare organizations in the nation. It is an honor that makes us incredibly proud of the caring individuals on our team that earned this distinction. We invite the best of the best in healthcare to join our team and at Rutland Regional Medical Center. You’ll work with people striving to Be the Best Community Healthcare System in New England.
Modern technology and state-of-the-art equipment.
We are deeply committed to providing continuous growth opportunities for our staff. We are also constantly upgrading our facilities so we can meet our goal of providing the best healthcare in New England. We provide state-of-the-art equipment and advanced technology to stay on the leading edge of cancer treatment, cardiology, diagnostic imaging, ENT & audiology, laboratory, orthopaedics, surgery and women’s healthcare.

domain: geography


text:
It’s not plata o plomo anymore. It’s straight plomo.
He used solely the music from the records without his own drums or melodies
I swing swords and cut clowns
God, the Japanese are just so damn good at fashion. Who else but a Japanese company like mita sneakers create an iteration of Puma’s simple,…


|Smart Cushion Installation Training
On-Line Smart Cushion Installation Training
|Smart Cushion® REPAIR Training
This is the Smart Cushion® On-line REPAIR training portal.
|Smart Cushion® Reset Training
This is the Smart Cushion® On-line training portal.
This training will provide step-by-step guidance for the installation of a SmartPod Crash Cushion.
|Zoneguard® Installation Training
Installing Zoneguard® correctly is vital to ensuring it performs properly in the field. This course will provide installation information and tips to help you earn your Zoneguard® installation certification.


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You will continue to be responsible for all recurring subscription fees related to a game, a feature (such as virtual objects related to the game, if any) or a service until you have responded to each of these game accounts, functions or services in accordance with all applicable conditions and end-user licensing agreements (s). Unless otherwise stated, this subscription contract is mandatory for the parties and their heirs, executors, administrators, successors, legal representatives and authorized beneficiaries of the transfer, as well as for the agreements, representations, guarantees, pacts and recognitions that are included, and is considered to be by these heirs, executors, administrators, rights holders, agents and heirs. This subscription contract can be executed in two (2) or more (including electronically) which are all considered the same agreement and take effect when they are signed by each of the parties and forwarded to the other parties, with the understanding that not all parties will be required to sign the same consideration. If the subscription is not corrugated before the trial version expires, it automatically extends and a subscription fee is due regularly. Real open access magazines make all articles in electronic publishing freely accessible. The other subscription contracts have not been substantially amended after the date of this subscription contract and reflect the same share price and conditions that are no more favourable to such a subscriber than the terms of this subscription contract. In real open access magazines, all articles in the electronic edition are freely accessible. In this case, you will only be charged $59 per month, for which you can get 5 vector charts or JPEG images per day.” In principle, subscription fees restrict access to other articles in the magazine. Access to the magazine is not limited by subscription fees. If a provision of this subscription agreement is invalid, illegal or unenforceable, the validity, legality or applicability of the other provisions of this subscription agreement will not be affected or affected and will remain fully in force. Results: 258.
Exactly: 4. Processing time: 432 ms. Access to registration is not limited by subscription fees. Please note that in the event of corresponding purchases, there is no right of objection or possibility of refunding your money, as the benefit will be immediately fulfilled at your express request. They are charged as little as $59 per month to download 5 vector images or JPEG images of any size per day. If you do not cancel your subscription before the end of the free trial, it will be automatically renewed and you will be charged a recurring subscription fee. When the free trial subscription expires, it will automatically be transferred to one of our default subscriptions and your payment account will be used to pay the subscription fee. The parties agree that there is irreparable damage if one of the provisions of this subscription agreement has not been executed or has not been breached in accordance with its specific conditions. To activate a free test subscription, you need a PayPal account. A PayPal account is required to activate a free trial.

domain: law


text:
Iodinated polymer nanoparticles as contrast agent for spectral photon counting computed tomography
Suspensions of iodinated polymer nanoparticles are evaluated as contrast agent for Computed Tomography (CT) and Spectral Photon Counting Computed Tomography (SPCCT). Iodine containing moieties are grafted to poly(vinyl alcohol) by means of a covalent ester bond up to high degree of substitution of 0.77 providing high iodine content of 71 wt%. Polymer nanoparticles of 150 nm diameter stabilized by the block copolymer poly(caprolactone)-b-poly(ethylene glycol) are highly stable in water and human serum. High coverage of nanoparticles by PEG chains in a dense brush conformation (0.30 molecules·nm−2) provides resistance against fast elimination by mononuclear phagocytes system. Iodine concentration is increased up to 100 mg(I)·mL−1 by a centrifugation/redispersion step, which sets radiopacity of the contrast agent in the right range for imaging cardiovascular system and biodistribution. SPCCT ‘Material Decomposition’ and ‘K-edge reconstruction’ methods allow accurate quantification of iodine, as well as specific discrimination of iodine and gadolinium in mixed phantom samples. Intravenous injection of iodinated polymer nanoparticles to rats provides a clear visualization of the cardiovascular system over several hours followed by progressive accumulation in liver and spleen. This material is a ‘blood pool’ contrast agent with very long residence time in the blood stream.

domain: medical


In a recent statement on social media, Ishaq Dar, a prominent leader from the Pakistan Muslim League-Nawaz (PMLN) and former finance minister, asserted that the PMLN has emerged as the largest political party in the National Assembly. Dar’s claim is based on data compiled by the PMLN election cell and publicly available results. However, he urged caution against premature speculations and highlighted the importance of waiting for the official results from the Election Commission of Pakistan (ECP).
PMLN’s Stronghold in Punjab Assembly:
According to the data presented by Ishaq Dar, the PMLN has secured a significant majority in the Punjab Assembly. The party claims to have won 34 seats, while Independent candidates have secured 6 seats. Dar acknowledged that these figures might change as the results are continually being updated.
National Assembly Standings:
In terms of the National Assembly, Ishaq Dar revealed that the PMLN currently holds 11 seats, contrasting with Independent candidates who have secured 15 seats. The data presented by Dar aims to provide a preliminary overview of the party’s standings in the ongoing electoral process.
Importance of Official Results:
While Dar’s announcement provides valuable insights into the preliminary standings of the PMLN, it is essential to exercise caution and recognize that these figures are subject to change. Dar emphasized the significance of avoiding premature and biased speculations and highlighted the need to await the official and complete results from the Election Commission of Pakistan.
Concerns Over Media Reporting:
In the same statement, Ishaq Dar expressed concerns about certain TV channels providing incorrect information to the public. He argued that independent candidates should not be considered a political party, as they have three days to join one. This raises questions about the accuracy of early media reports and the potential impact on public perception.
Ishaq Dar’s claim regarding the PMLN’s emergence as the largest political party in the National Assembly adds an interesting dimension to the ongoing electoral process. While the data provided by Dar offers a glimpse into the party’s current standings, it is imperative to await the official results from the Election Commission of Pakistan for a comprehensive and accurate assessment of the electoral landscape. The concerns raised by Dar about media reporting underscore the importance of responsible journalism and the need for accuracy in disseminating information to the public during sensitive times like elections.
Afsheen is a writer with an extensive experience in creating authentic and well-researched articles.


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Jun 21, 2020
James and John discuss eBay finds: Through the Looking Glass, MacEffects color SE cases, and Apple service binders. They celebrate the 25th anniversary of Power Macintosh 9500, and news includes a WWDC preview plus major Mac processor changes over the years.
To see all of the show notes and join our website, join...
Jun 14, 2020


text:
Town says refund should go to voters
TEMPLE — The Select Board was in agreement Tuesday night at its meeting that $407,061 of a $638,966 refund the ConVal School District is expecting from the Local Government Center should be returned to the taxpayers, and not spent on parking lot improvements as was proposed at a recent School Board meeting.
The unexpected funds were a result of a $22.5 million refund the Local Government Center agreed to return to municipalities and school districts from contributions for 2011 insurance premiums. The ConVal School District is one of the recipients of the refund .
The ConVal School Board is set to vote at its next meeting on what to do with the unexpected surplus. At a July 16 School Board meeting, two of the options discussed were putting the money toward parking lot improvements that are currently under way, or returning the money to the taxpayers. During that meeting, a motion to return all of the funds to the taxpayers was made, but not voted on. Some board members opposed the motion, saying the money could be used to offset unanticipated expenses related to parking lot improvements at the ConVal High School.
In an interview Wednesday, Sharon School Board member Matt Craig said that the board right now is split between retaining all the money for unanticipated expenses, returning it all to taxpayers, or splitting the refund so that some is returned to taxpayers and some is kept for expenses . “I think at the next meeting we’re going to see that discussion and that debate,” said Craig. “I’m fairly sure it won’t be a unanimous vote either way. It’s all up in the air and we’ll have to see where it falls.”
The Temple Select Board agreed definitively that the money should be returned to the towns. Select Board member and former ConVal School Board member Gail Cromwell said that the scope of the parking lot project has increased significantly since it was first proposed, and the project should either be scaled back or paid for with money from the current school district budget. The project cost has jumped from $250,000 when it was initially proposed to $864,000 or even higher, she said. The additional cost has been attributed to an unanticipated need to replace the parking lot’s subgrade, as well as safety improvements, such as adding two bus lanes, curbs and sidewalks.
The safety improvements could have been addressed in a less costly way, Cromwell said. The majority of incidents in the school parking lot are fender benders that occur between student drivers, she said, and the buses have never had an incident, she said. She felt that clear painted lines would have been sufficient, instead of instituting curbing.
“You can do a lot with painting,” she said.
Cromwell added that along with the $250,000 that was originally budgeted to repave and improve lighting in the parking lot, an additional $100,000 was encumbered for the project from end-of the year funds. Plus, she said there is also approximately $350,000 in the Capital Reserve fund for maintenance, which the district could draw on. She said that between the funds raised in March, the Capital Reserves, and padding that is left in the general budget, the district could cover the cost of the parking lot within its budget should they need to. She would like to see the parking lot plan vetted and put to the voters, first, she added. The refund, she felt, should be used to lower the tax rate.
In March, the district anticipated receiving $231,906 as a return from the LGC, before the full refund was announced. Kieley said he’d like to see that amount used for district operation. The rest — $407,061 — could be returned to the town, he said. “They were looking for a compromise,” said Kieley, referring to the School Board. “This may be it.”
“That’s on the table,” said Craig, when asked about splitting the money, but so are the other two options of returning it all or retaining it all. “I appreciate what the [Temple] Select Board is saying, and they have to look out for their individual town. In the same way, the School Board has to look out for the students of the whole district.”
On Wednesday, Kieley said, “The difference, rather than being spent on the project du jour, should be credited as income to the district and used to reduce the [tax] allocations to the towns. Don’t spend the [$407,061] on parking lots or whatever the project of the day is, but treat it as income. That’s what the voters approved [as part of the budget], and that’s what the School Board and SAU should do.”
The Select Board agreed to send a letter to all of the ConVal School Board members informing them of the town’s opinion.
Ashley Saari can be reached at 924-7172 ext. 244 or firstname.lastname@example.org. She’s on Twitter at @AshleySaari.


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The Emery County School District (ECSD) has rescheduled the hearing for its proposed its property tax revenue increase. Originally scheduled for Aug. 10, the hearing has been moved to Aug. 24.
“Because of Utah State Tax Commission rules, ECSD is reposting the Truth in Taxation hearing originally scheduled for Aug. 10 to Aug. 24 with the location changed to the district office at 7 p.m.,” the Emery County School District shared.
According to a public notice issued by the school district, if the proposed budget is approved, the district would increase its property tax budgeted revenue by 12.65% above last year’s property tax budgeted revenue, excluding eligible new growth.
On a $144,000 residence, taxes would increase from $464.43 to $520.19, which is $55.76 per year. On a $144,000 business, taxes would increase from $844.42 to $945.79, which is $101.37 per year.
The public hearing will take place at 7 p.m. on Wednesday, Aug. 24 in the Emery School District Office board room, located at 120 North Main Street in Huntington. Members of the community are invited to attend and give their input on the proposed tax increase.
Emery County citizens can obtain more information regarding the tax increase by contacting the Emery County School District at (435) 687-9846.


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Re: Swimming mammoths and climate change
On Wed, 10 Apr 1996, Ronald Orenstein wrote:
> Is there any chance that the crossing took place during a glacial period,
> when sea levels would have been lower, the distance less and (possibly) the
> conditions in the intervening waters that make them attractive to sharks
> today not applicable?
Unfortunately for several previous suggestions, lowered sea level in the
Pleistocene was far to small to make the distance to the Channel Islands
easily swimmable. The main channels are often 1000 ft deep or more (I
will checkl my excellent charts of the California Coast when I go to my
office). There were some banks that would be way points for a rest, but
probably not big enough to supporet mammoths for a long stop. I'll check
this out as well.
The other thing was a suggestion to turn continental drift back
10/15,000 years but at the ratre of drift in California, that would make
an insignificant change.
Guess them mammoths will still have to swim a long way.
Ray McAllister, Prof (Emeritus) Ocean Eng., FAU, Boca Raton, FL 33064
Diving Dinosaur, Geologist/Oceanographer/Ocean Engineer, 44 years SCUBA
email@example.com (954) 426-0808, Author Diving Locations, Boynton/Dania


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It’s that time of year.
Right now, it’s 4 in the afternoon and the sun is already low on the horizon. At 7 in the morning it’s still dark and I curl up, pull the covers protectively over my ear, and dissolve into one more dream sequence.
The deepening darkness awakens a thirst for the light. I have unpacked my crêches and put them on display, surrounded by candles. Advent is a celebration of the birth of the Light into a world of shadow.
I hold a warm cup of tea, sip, and savour this season and the perspective it invites.


Jeanett is a Norwegian actress, producer, screenwriter and now director who recently started her own production company JeanettEspedal (JE) Productions. Jeanett is fluent in Norwegian, Swedish and English and therefor acts and writes in all three languages. She can be seen in the upcoming feature film "Drama Kings", "Finding Alice" and is booked as one of the leading roles for an international feature film with several hollywood and international stars.
Acting is her main priority. This ofcourse along side her creativity towards film making but to be able to combine her other talents such as dancing, singing, voice over, motion capture acting with her work as an actress is the dream she is now living.
She has got several projects lined up in both Norway and Sweden. Recently added is "She Grew Up At Midnight" which she not only directed, wrote, produced and financed but also played both of the two leading roles in. This film was made thanks to the price money won with "Tänk Om" at NooMaraton Stockholm Region Honorary Award 2021. Previously released is "Pizza Boy" (her directorial debut which she also wrote, produced, financed and starred in) screened at Cannes Short Film Corner, was a finalist at Rome Prisma Awards, Financial Focus Festival and is now available online. Her first short film "Erosion" was a official Selection at NewFilmMakers Festival, premiered in Los Angeles and screened in Norway at Amandus Open.
This Norwegian actress moved to Sweden with her family at the age of eleven and at only fifteen years old she followed her dreams and moved to the capital of Sweden to pursue her love for dance at Kulturama. Here she later received a Diploma for 'Outstanding Aesthetic Performences' and a smaller scollarship. She manages jazz, lyrical jazz, contemporary, ballet, hip hop, commercial and more. She studied everything from, dancing to singing, to theatre acting and more. But it was through dancing for music videos that Jeanett fell into film making and acting.
She took an acting program in Los Angeles called CGTV the year of 2015 and got training within on-camera technique, improvisation, cold-reading technique, monologue, commercial, film, scene study and a lot more! She got 9 callbacks from LA based agents and managers after a showcase at Acme theatre, where she acted opposite RJ Cyler.
At the age of six she started working as a mannequin for childrens clothes in Norway and has now worked for brands like Lóreal Paris since she held the titel Miss Glossy 2015 and appeard in the ads for Miss Glossy Products, Schwarzkopf and more. She has sung for Disney, danced for a Warner Bros upcoming series for Viaplay, acted in commercials for brands like Volvo, Försvarsmakten, NetOnNet, Deichmann and both acted and danced in musicvideos for big artist around the world like Mohombi, Arif, Linda Pira and more. Recently she worked for UIP Sweden (Universal) as she was booked as an interviewer to interview the cast of Fast & furious 9.
She is also a voice over actress with recommendations from Online Voices among others, where she is registered as a voice talent. She has done several VO, ADR, IVR, dubbing and storytelling voice jobs since severeal years back. Not only for Online voice but several companies around the world in the three languages and five accents she speaks fluently.
She is now in pre-production of "Turnpike", her first feature film production under the JE Productions company. She is the writer, producer, direct and will act in this upcoming 1930´s period film set to be shot 2024.
With the love for film in focus we strive to deliver the best and truly original art work to the screen. With our current film "She Grew Up At Midnight" and previous film "Pizza Boy" accepted to Cannes Short Film Corner and our first project "Erosion" which premiered in Los Angeles October 21st 2017 at NewFilmMakers FilmFestival, we got a few steps closer to just that. "Erosion" also screened in Norway at Amandus Open and now we now high hopes for "Turnpike". The upcoming feature film already have big names like costume designer Lars Wallin attached to it and is currently in pre-production with the goal of beging shot during 2024.
CEO - Director, Producer, writer and actress Jeanett Espedal has worked with art and film for many years whilst the 'Productions' was added to the logo in 2015. Despite her young age she is determined to make an impression with her personal vision.
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Maharashtra: Nawab Malik hospitalised two days after being arrested by Enforcement Directorate
The Maharashtra minister was taken to JJ Hospital in Mumbai after he complained of stomach pain.
Two days after being arrested by the Enforcement Directorate, Maharashtra Minister Nawab Malik was on Friday hospitalised after he complained of stomach pain, reported PTI. The senior Nationalist Congress Party leader has been admitted to Mumbai’s JJ Hospital.
An unidentified official of the hospital told PTI that Malik was admitted to the urology department around 11.30 am.
A Mumbai court had on Wednesday sent Malik to the Enforcement Directorate’s custody till March 3 in an alleged money laundering case. The Enforcement Directorate had arrested Malik on Wednesday afternoon in connection with a money laundering case involving fugitive gangster Dawood Ibrahim and his aides.
The Enforcement Directorate’s inquiry is based on a case filed by the National Investigation Agency earlier this month against Ibrahim and his aides under the Unlawful Activities (Prevention) Act. The Enforcement Directorate has alleged that Malik was “actively involved” in the funding of terrorist activities.
However, Malik, his party members and other leaders of the Opposition have alleged that he is being targeted by the central government.
In recent months, Malik has made several allegations against Bharatiya Janata Party leaders and former Narcotics Control Bureau Zonal Director Sameer Wankhede in connection to the Mumbai cruise ship drugs case, involving actor Shah Rukh Khan’s son Aryan Khan.
Malik has also accused Wankhede of being part of an extortion racket linked to drug cases against Bollywood actors.


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Transition Swindon on the Transition Towns Network
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Transition offers people a wide range of reasons to get involved, here are five good reasons to get us started;
- get to know your neighbours and feel connected to other people, helping to create a new story about Swindon;
- feel like you are making a difference in the world and you are part of something historic and exciting happening around you;
- we are stronger working together in our community to find our own solutions to some of the world’s huge challenges (including climate change, social isolation and inequality);
- be a catalyst for change taking opportunities through new projects, enterprises and investment opportunities;
- Learn and share knowledge and skills, new and old; the people of Swindon are an amazing resource!

domain: sociology


text:
It can be a stray dog, a flag or a human figure that defies the elements. It can be polyester or bronze or drawing paper or aluminium. Or the trunk of a birch – pioneer vegetation therefore, like a tree that proliferates on fallow land. No, it is never "or". In the work of Caroline Coolen (b. 1975), it is always "and". Her art – sculptures, installations, drawings – is the result of a reflection upon time and space, with strong autobiographical roots. In many key works, figures seem to gaze at the horizon; they always adopt the attitude of looking. The artist observes just as keenly, before interpreting the concentrated figures, dogs and landscapes. After training in sculpture, she spent a year studying experimental film – which says a lot about an artist. In an interview about her expedition to the Arctic in 2007, she mentions the word Sehsucht: ‘... what interested me was the desire to gaze far into the distance, and to try and capture that desire in a work. In that respect, Spitsbergen was complete visual euphoria.’ Coolen, together with several fellow artists and scientists, trekked through the desolate, fragile region around the North Pole. The notes and impressions from that trip remain an occasional source of inspiration. Patterns emerge – in clay, rubber, ceramics, porcelain, foam, bronze, polyester, textiles and paint – which are passed from one sculpture to another and refined, in a suite of variations on a theme. In the reservoir of history, Coolen fishes for carbonised dogs – think of Pompeii – as well as medieval gargoyles, heraldic elements and emblems that resemble religious iconography. Layer by layer, she assembles fragments of reality in order to create new ensembles. This is how a singular oeuvre is established, slowly and steadily, along with the time that the artist needs to let it penetrate. Through her associative way of thinking and feeling, a kind of continuity is restored. And nothing is a lie, because everything is true.
There is time
The work of Liesbeth Marit (b. 1979) develops out of the tension between stillness and movement. This is not only true of the photographs that she mounts on small light boxes – they are screens, suggesting movement, where only 'stasis' reigns. We can see interiors, rooms and other strange spaces that could just as easily be film sets or maquettes. Do these places actually exist, or are they Marit’s own carefully lit constructions? With such a hypothesis, one is closer to the truth. The woman behind the camera studied painting, but is today working with video and film. No doubt she looks at her surroundings in relation to the scenarios that she wishes to film, searching for locations – landscapes and interiors – that can play a role in a story. The photographs on the light boxes are thus 'stills', in every sense of the word.
In the two short film clips presented in the gallery, it appears as though very little, or almost nothing, happens. This initial impression would not, however, be correct, since there is a lot to see in these ‘motionless images’. Things change almost imperceptibly, or something occurs at the very edge of the frame, like a phase shift in minimal music. As autonomous images, they are extraordinarily powerful, and their introspective, even meditative silence and stillness offers up a number of unexpected details: the subtle play of light, or a running dog. The image in which the latter appears is a scene from Marit’s narrative short film "YURI and the frustration of our ponies" (2012). The light slowly follows its path, but the soundtrack is also deeply penetrative. Thus 'attention' becomes 'illusion' and, at the same time, concentration. Marit thus reveals the flow of time, but also how it condenses and solidifies. Until it appears to stand still.
Eric Min, August 2015


How resilient is renewable energy under the threat of COVID-19? Katie Findlay spoke to REN21 Project Manager and Analyst Thomas André about what ‘resilience’ means for the renewables sector.
‘Resilience’ comes up frequently in discussions about the impact of COVID-19 on the energy sector. However, the actual meaning can be hard to pin down. “The term seems to be being used more and more, at the risk of being overused and losing any real meaning,” Thomas André, Project Manager and Analyst at REN21, remarks. A recent article from Le Monde examines the resilience of the renewable energy sector, as it is ‘put to the test’ during COVID-19.
The article predicts that, while the demand for fossil fuels has collapsed during the crisis, the production of renewable power should continue to grow in 2020. Nonetheless, falling investments are threatening new projects. We asked André for his take on what resilience means for renewable energy.
Renewable energy systems are resistant to shocks
According to André, renewable energy offers a good example of resilience. Energy systems with high percentages of renewables are better able to resist global shocks than those based on fossil fuels.
This is because energy systems which are controlled locally are less susceptible to the negative effects of crises elsewhere:
“In most systems dependent on fossil fuels, there is no local independence in energy generation or distribution. This creates issues with sourcing in times of crisis. Renewable energy is locally produced, managed and maintained. Therefore, it does not rely on imports once projects are operational,” he tells us.
Dropping demand and dropping investment
Lockdown measures across the globe caused a drop in global energy demand. According to the International Energy Agency’s (IEA) Global Energy Review 2020, energy demand dropped 3.8% in the first quarter of 2020, compared to the same time period in 2019.
This drop in demand, paralleled with economic decline, means there will also be a major drop in investments in energy. The Agency’s World Energy Investment 2020 report, released in May, predicts a 20% drop in total global energy investments this year, compared to 2019.
Renewables may suffer less than fossil fuels
However, renewable power did not experience a drop in demand during lockdown. On the contrary -renewable electricity generation increased by 3% compared to the start of 2019, according to the IEA. This has three main causes: The priority given to renewable generation in most power systems, the lower running costs of renewable energy generation compared to fossil fuels, and large renewable power projects which have came online before lockdown began.
Free from the fluctuations of the international oil market, renewable energy is more resilient in cases of falling demand and economic decline. “Renewable energy is not dependent on oil imports, or on oil price volatility” André points out. “The volatility in fossil fuels demonstrates instability to investors, who are by nature risk averse.”
Despite the overall economic downturn, investors do appear to be favouring renewable power projects to those based on fossil fuels. According to the IEA World Energy Investment 2020 report, ‘ongoing investment in renewable power projects is expected to fall by around 10% in 2020, less than the decline in fossil fuel power.’
Lockdown – a snapshot of the future?
Renewable energy sources provided a high proportion of total power demand during lockdown. André tells us; “We saw a jump in the proportion of electricity supply met by renewables, which in some areas reached historic highs”. According to Le Monde, Belgium, Italy, Germany, Hungary and the US have set new records for renewables in national electricity production.
The result could be a snapshot of the future. “The COVID-19 crisis has proved that renewables are resilient,” André observes. “Some have stated that we have made a 10-year jump into the energy transition. At least, taking stock of the apparent progress we have made – the lesson learnt should be that we must further integrate renewables into our energy systems.”
We must change our energy system
To support an even greater penetration of renewables, our energy systems must further adapt. As do the policies that support them. The ‘green recovery’ planned post-COVID-19 provides a unique opportunity to implement these changes.
The main technical challenge to integrating renewables is accommodating for variations in power generation. Using variable renewable energy (VRE) sources, like wind power and solar PV, causes variations in supply. “On the power system side, we need to make sure that grids are able to cope with a much higher share of renewable generation,” André tells us.
“There needs to be demand-response, and demand side flexibility. This, combined with energy storage, prevents excess energy from being wasted or curtailed when more is being generated than can be consumed. Then, we need grid interconnectivity – across countries and continents – enabling us to send excess electricity from one place to another. Digitisation can also help with overall production forecast and control.”
To enable these technological changes, decision makers must make policy and legislation changes, and channel financing. The Renewables 2019 Global Status Report (GSR2019) provides recommendations: Appropriate power market rules must be designed for increased participation of variable renewable energy in electricity markets and trading. industries providing enabling technologies must be supported, such as battery storage, electric vehicles and heat pumps.
These changes are far from impossible. Some countries have already integrated high shares of variable renewable energy into their power systems. GSR2019 showed that in 2018, at least nine countries supplied more than 20% of their electricity generation from variable renewable energy. In Denmark, the share was over 50%.
The Climate Crisis is our Biggest Challenge
“Although renewables are more resistant to shocks, adaptation efforts are still necessary to ensure our energy systems can integrate renewables and are resilient to upcoming crises” André explains.
As we emerge from the challenges of COVID-19, we cannot forget the bigger picture. We must align recovery plans with climate goals and prioritise support for renewable energy. André concludes: “The biggest approaching crisis is the climate crisis. We have had a unique opportunity to learn, and now we must link recovery plans to the goals of the Paris Agreement.”
For the latest global data on renewable energy, don’t miss the launch of the Renewables 2020 Global Status Report (GSR2020) on 16 June. Sign up to be the first to get a digital copy, or join our launch events.


A summary of the Councillor Attendance and Expenses.
Information about the Councillor Delegate Committee.
Frankston City Council has again stood tall in the annual Community Satisfaction Survey.
Frankston City consists of three Wards: North-East Ward, North-West Ward and South Ward.
Learn more about us and our goals for the future.
Council services and role under the Local Government Act.
Council directions which influence decision making and prioritise actions.
Customer Service is an attitude, not a department.


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MENA Chief Economist Office
Author Name Variants
Fields of Specialization
LABOR ECONOMICS, POLITICAL ECONOMY, SOCIAL INCLUSION, ECONOMIC GROWTH
MENA Chief Economist Office
Externally Hosted Work
Last updated May 17, 2023
Roberta Gatti is the World Bank’s chief economist of the Middle East and North Africa region and former chief economist of the Human Development Practice Group, where she led the SDI and the Human Capital Index initiatives. She joined the World Bank in 1998 as a Young Professional in the Development Research Group. Her research includes theoretical and empirical contributions to labor and household economics, political economy, growth, and social inclusion. She has authored multiple World Bank flagship reports, including Jobs for Shared Prosperity and Being Fair, Faring Better. She has taught at Georgetown University and Johns Hopkins University.
Publication Search Results
Now showing 1 - 8 of 8
Publication(Washington, DC: World Bank, 2013-05) Gatti, Roberta ; Morgandi, Matteo ; Grun, Rebekka ; Brodmann, Stefanie ; Angel-Urdinola, Diego ; Moreno, Juan Manuel ; Marotta, Daniela ; Schiffbauer, Marc ; Mata Lorenzo, ElizabethIn the aftermath of the Arab Spring, when thousands of young women and men fought for the opportunity to realize their aspirations and potential, the question of jobs continues to be crucial in the Middle East and North Africa region. This report uses jobs as a lens to weave together the complex dynamics of employment creation, skills supply, and the institutional environment of labor markets. Consistent with the framework of the 2013 World Development Report on jobs, of which this report is the regional companion, this work goes beyond the traditional links between jobs, productivity, and living standards to include an understanding of how jobs matter for individual dignity and expectations—an aspect that was clearly central to the Arab Spring. Just as important, this report complements the economic perspective with an analysis of political economy equilibrium, with a view to identifying mechanisms that would trigger a reform process. As such, the report has three objectives: First, it seeks to provide an in-depth characterization of the dynamics of labor markets in the Middle East and North Africa and to analyze the barriers to the creation of more and better jobs. It does so by taking a cross-sectoral approach and identifying the distortions and incentives that the many actors—firms, governments, workers, students, education, and training systems—currently face, and which ultimately determine the equilibrium in labor markets. Second, the report proposes a medium term roadmap of policy options that could promote the robust and inclusive growth needed to tackle the structural employment challenge for the region. Third, the report aims to inform and open up a platform for debate on jobs among a broad set of stakeholders, with the ultimate goal of contributing to reach a shared view of the employment challenges and the reform path ahead.
Publication(World Bank, Washington, DC, 2011-12) Gatti, Roberta ; Angel-Urdinola, Diego F. ; Silva, Joana ; Bodor, AndrasThis quick note provides an overview of the World Bank report striving for better jobs: the challenge of informality in the Middle East and North Africa (MENA). The report was completed as a revolutionary wave of demonstrations and protests swept across the Arab world. Millions of young people were chanting 'dignity' and 'social justice' in the region, underlining deep-seated feelings of exclusion and inequality of opportunities. Demanding democracy, human rights, and better governance, young Arabs were also striving to realize their economic aspirations in a region rich in human and physical capital. However, while there has been economic growth for a number of years in MENA countries, this has not led to an adequate number of good jobs and has succeeded, at best, in generating low-quality, informal jobs.
Publication(World Bank, Washington, DC, 2010-09) Brodmann, Stefanie ; Pouget, Yann ; Gatti, RobertaIncreased labor mobility bears large potential benefits for human development and poverty reduction through various channels including more competitive global labor markets and increased efficiency in the matching of skills supply and demand. Bank support for enhanced and better managed migration can complement broader efforts to reduce poverty and promote human development, similarly to how Bank projects on trade liberalization have helped in reducing market distortions and raise welfare. With Middle East and North Africa (MENA) countries becoming increasingly eager to adopt a proactive approach to improve migration outcomes, cross-sectoral Bank teams are well positioned to respond to increasing demand for migration management systems. Labor mobility has proven to be a forceful driver of convergence in living standards. Estimates suggest that gains from the liberalization of migration could surpass welfare gains from trade liberalization. Currently, migration represents the main form of global and regional integration for MENA countries. In the future, increased labor mobility could foster regional economic integration, a recognized priority within the Arab World Initiative (AWI).
Publication(World Bank, Washington, DC, 2014-08-26) Gatti, Roberta ; Angel-Urdinola, Diego F. ; Silva, Joana ; Bodor, AndrasEconomic growth has been sustained for many years pre-crisis in the region, but this has not resulted in the creation of an adequate number of jobs and has succeeded, at best, in generating low-quality, informal jobs. The report addresses one margin of exclusion: informal employment and the vulnerabilities and lack of opportunities associated with it. The report analyzes the constraints that prevent informal workers from becoming formal and discusses policy options to effectively address these constraints. This report looks at informality through a human development angle and focuses particularly on informal employment. Informality is a complex phenomenon, comprising unpaid workers and workers without social security or health insurance coverage, small or micro-firms that operate outside the regulatory framework and large registered firms that may partially evade corporate taxes and social security contributions. The first section provides a detailed profile of informal workers in the region. The second section describes the characteristics of informality in micro-firms that operate outside the regulatory framework and in larger firms that do not fully comply with social security contribution requirements and tax obligations. The third section presents informality and the firm. The fourth section focuses on informality: choice or exclusion? The fifth section discusses policy options for effectively expanding coverage of health insurance and pension systems and promoting the creation of better quality jobs.
Publication(World Bank, Washington, DC, 2019-01) Gatti, Roberta ; Mohpal, AakashThis paper compiles project-level data from the World Bank's lending history to describe patterns and the composition of its portfolio. The paper focuses particularly on the effect of countries' transition from International Development Association to International Bank for Reconstruction and Development status, which marks the point when countries start borrowing at near market rates, on lending for human development sectors (education, health and social protection). Using country and year fixed effects, which account for unobservable country characteristics (for example, national priorities) and time effects (for example, market interest rates), the paper finds that human development lending decreases when countries graduate from the International Development Association. The average difference in the binary indicator of lending for any sector is 27 percent while it is 60 percent for human development sectors. The share of human development lending (lending by human development Global Practices over total lending) is also 6.9 percentage points (30 percent) lower. This decline in human development lending in International Bank for Reconstruction and Development countries is accompanied by a greater use of budget support. The results are robust to controlling for non-World Bank aid, as well as various alternative specifications and estimation samples.
Publication(World Bank, Washington, DC, 2019-10) Andrews, Kathryn ; Avitabile, Ciro ; Gatti, RobertaUsing a new data set comprised of publicly available information, this paper provides cross-country evidence on domestic government spending for human capital in recent years. Creating a measure of social spending that covers the three sectors of health, education, and social protection has proven to be a challenging task. Only for health spending is there high data coverage over time and across countries. Education and, especially, social protection display large gaps. Increases in social sector spending have generally been slow and unsteady. Although education spending in low-income countries has seen a stable and steady increase, spending on health has been remarkably flat. Human capital outcomes are only weakly correlated with spending in the three sectors. Finally, this paper discusses future research required to provide guidance on how much and what type of investment is needed to achieve high levels of human capital.
Publication(World Bank, Washington, DC, 2018-01) Flabbi, Luca ; Gatti, RobertaThis note summarizes some of the key contributions in the macro- and micro- economic literature on the pathways linking human capital and income growth. Rather than completeness, the objective of this work is to distill some of the most relevant threads in the evolution of these literatures using a human capital lens, with a view to provide a useful yet parsimonious conceptual framework and an update on empirical results. The note first describes the human capital model (section 1). It then outlines the main theoretical elements of growth theory and presents empirical results from the cross-country regressions and development accounting literature to gauge to what extent human capital affects growth at the aggregate level (sections 2, 3 and 4). The note then reviews the micro empirical literature estimating labor income returns of human capital investments (sections 5 and 6). The conclusion draws comparisons between the two empirical approaches and provides a brief critical assessment on how to interpret the empirical results. Investing in human capital is a promising strategy to attain stable and positive growth. The magnitude of the effects is country-specific and varies depending on the population of interest, the policy under consideration, and the human capital component considered.
Publication(World Bank, Washington, DC, 2019-09) D'Souza, Ritika ; Gatti, Roberta ; Kraay, AartThis paper documents inequality in health and education outcomes by constructing an index of human capital disaggregated by quintiles of socioeconomic status (SES) for a sample 51 mostly low- and middle-income countries. The index measures the expected future human capital of children born today, following the methodology of the World Bank Human Capital Index that was launched in October 2018. Within-country disparities in human capital outcomes across SES quintiles are large, accounting for roughly one-third of the total variation. On average, human capital outcomes increase with income at roughly the same rate across socio-economic groups within countries as they do across countries.


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Armed police officers numbering over 50 have cordoned off the entrance to the Ekiti State Government house, restricting movement in and out of the complex.
police Armoured Personnel Carrier and Hilux vehicles parked at the entrance blocking the pavilion and the area leading to the governor’s office.
The Attorney General of Ekiti State, Kolap Kolade, told Journalists that the police officers took over the place as early as 8a.m. Wednesday.
“The governor had planned to meet with civil servants from grade level one to seven at 9am on Wednesday,” Mr Kolade explained.
“The meeting was also to stage a road show with the workers wearing white shirts, but before anyone could get there, the police had arrived with over 50 vehicles and blocked the place.”
He also said that the governor who wanted to drive out of the office was prevented by the policemen who threw teargas to ensure that the governor drove back into his office.
“They fired teargas canisters and the governor had to return to the office. He is still there now and cannot go out. Nobody can drive in or out, but those who are trekking can do so around the area,” Mr Kolade added.
The Police Public Relations Officer in Ekiti State, Caleb Okechukwu, told Journalists the police were stationed at the government house to provide security for all citizens.
“Our job is to provide security for everybody and that is what we are doing,” Mr Okechukwu said.
But when asked whether the barricade at the government house was to safeguard the governor, he would not respond, but stated that the police were drafted to protect the citizens.
“I am not a politician and I am not with the governor, but we are there to protect lives and property.”


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From 2001 to 2019, far more employees worked in healthcare and social assistance than in any other industry in Massachusetts, and the trend suggests this field may still be growing. According to Pioneer Institute’s MassEconomix tool, the number of employees in this industry has been generally increasing across the state.
This sector includes hospitals, physicians’ practices, medical laboratories, youth and family services, and nursing homes. In 2001, there were 427,525 healthcare and social assistance workers. By 2019, the number reached 658,070, a 53.93% increase.
This correlates with the growing number of healthcare and social assistance organizations. In 2001, there were 6.30 facilities per 1,000 people. By 2019, this number had almost doubled to 12.14 facilities per 1,000 people, creating more opportunities for new jobs. The trend is similar in most Massachusetts counties, with the exceptions of Hampshire, Middlesex, and Nantucket Counties.
In Hampshire County, the educational services sector has employed the most people since 2001, and the industry is still growing. In 2001, there were 12,167 employees in the sector in Hampshire County (Figure 1). As of 2019, there were 17,055 employees, representing a 40.17% increase. Healthcare and social assistance has generally remained the second largest employment sector in Hampshire County, with 11,259 employees in 2019.
One reason Hampshire County may have such a high number of educational services employees is because the flagship University of Massachusetts (UMass Amherst) campus is located in Hampshire County. Over the years, the number of instructional faculty at UMass Amherst has been growing. In the fall of 2019, there were 1,787 instructional faculty in addition to other administrators at UMass Amherst. Additionally, there are other colleges in Hampshire county, including Hampshire College and Amherst College.
Figure 1. A comparison of the number of employees in healthcare and social assistance and educational services in Hampshire County in 2001 and 2019.
In Middlesex County, the professional, scientific, and technical services sector generally employed the most workers between 2001 and 2019, followed by healthcare and social assistance. In 2001, professional, scientific, and technical services had 106,660 employees (Figure 2). By 2019, this number grew by 42.46% to 151,952 employees. For comparison, the healthcare and social assistance industry grew 52.58% from 83,100 to 126,796 employees over the same time period.
Middlesex County includes the City of Cambridge, adding to its high concentration of professional, scientific, and technical services. Cambridge is widely regarded as “one the most innovative places on the planet.” In a 2020 report, the city was listed as having 375 life sciences companies and 40 high tech businesses. Many of these companies are in the subdisciplines of “information technology, social media, genomic research, nanotechnology, biomedical research, and brain science.”
Figure 2. A comparison of the number of employees in healthcare and social assistance and professional, scientific, and technical services in Middlesex County in 2001 and 2019.
Finally, in Nantucket County (composed solely of Nantucket Island), the accommodation and food services industry dominated employment from 2001 to 2019. In 2001, there were 1,234 employees in the sector (Figure 3). In 2019, there were 1,618 employees, representing a 22.21% increase. Nantucket is a tourist-dependent economy, which demands relatively more hotels and restaurants and staff to operate them.
Retail trade and construction also had more employees than healthcare and social assistance in Nantucket County from 2001 to 2019. Retail trade had 1,080 employees as of 2019. The earnings of retail business staff in Nantucket have been growing from 1990 to 2020. For example, in 2002 the average wage of retail trade workers in Nantucket was higher than that of Massachusetts retail trade workers in general.
In 2019, there were 1,039 construction workers in Nantucket. High real estate prices may make the construction industry an important part of the island’s economy. As of 2015, the median price of a home in Nantucket was $1.2 million.
Figure 3. A comparison of the number of employees in healthcare and social assistance and other industries in Nantucket county in 2001 and 2019.
In the same year, there were only 565 healthcare and social assistance workers on the island. This could be because Nantucket County is a small island county. The island’s only major hospital is Nantucket Cottage Hospital. Additionally, the small number of year-round residents and access to off-island healthcare practices may contribute to the low number of healthcare and social assistance workers in this county.
About the Author: Emily Donovan is a Roger Perry Government Transparency Intern at Pioneer Institute for the summer of 2021. She is a rising senior studying Animal Behavior at Bucknell University.


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International Oil Prices Break By means of 145 U.s. Dollars A Barrel
Market to the global oil provide worries push oil prices continue to ratchet up, the third New York oil buying and selling value, closing value of 145 U.S. dollars a barrel for the primary time both.
On the new York Mercantile Exchange, August mild sweet crude for delivery in the morning electronic trading reached a record excessive of 145.Eighty five U.S. dollars a barrel, closing up 1.72 U.S. dollars, a file 145 per barrel. 29 dollars in the newest closing record. London’s Worldwide Petroleum Change, the August Brent crude oil futures rose 1.Eighty two U.S. dollars to shut at 146.08 U.S. dollars a barrel and climbed in the intraday high of 146.Sixty nine U.S. dollars a barrel, whereas the buying and selling replace and shutting information.
Analysts believe that the three primary reasons for the worldwide oil worth remains high U.S. crude oil inventories fell final week, and the Middle East continued to steer the market worried about tight world crude oil supply. Crude oil supply and demand on the worldwide market, driven by concerns over tensions inside the worldwide oil costs skyrocketed this week, 3.7%.
Day, the European Central Financial institution announced that the leading euro-zone interest charges from the current four% to 4.25%. Since the choice out there anticipated, and the European Central Bank additionally stated that in the near future will proceed elevating curiosity charges, the dollar rebounded sharply in opposition to the euro, greenback-denominated price of crude oil futures briefly fell to a level of 143 U.S. dollars a barrel.
Three days, New York vendor in August supply value of a gallon gasoline futures rose 2.Sixteen cents to settle at 3.571 U.S. dollars. August heating oil futures for supply in the price per gallon rose three.45 cents to 4.106 U.S. dollars. August pure gasoline futures value for supply rose 18.Eight cents per 1000 cubic toes, to close at 13.584 U.S. dollars.
European Central Financial institution will raise curiosity charges to four.25% lead
As euro zone inflation rising, the European Central Bank three, announced that it’s going to lead euro zone curiosity charges from the present four% to four.25%.
Current vitality and food prices continued to rise, main euro-zone inflation has been rising. According to Eurostat preliminary statistics released late last month, knowledge from the euro zone’s inflation rate this 12 months in June from last month rose three.7% to 4%, effectively above the ECB to maintain price stability set by 2% cordon.
European Central Financial institution’s foremost tasks is to ensure value stability within the euro area. The European Central Financial institution hopes to extend interest rates to financial tightening, to maintain price stability and promote long-term stable financial progress.
Since final June, the European Central Bank has been the main euro-zone curiosity charges will stay at four% this level. Although the eurozone political and financial circles hope that the European Central Financial institution minimize interest charges to stimulate the resumption of financial growth, however rising inflation that the European Central Financial institution to lift curiosity charges lastly made the choice. Writer Field gaga has 1 articles online
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Oil Falls On Stronger Dollar, Qe Doubts
Publisher: Susan Wilkie Oil fell toward $eighty one a barrel on Wednesday, as mounting doubts about the dimensions and timing of U.S. financial stimulus pushed up the dollar, however data displaying a drop in U.S. gasoline inventories helped limit oil’s losses. Edible Oil Wholesale Value Up Collective – Cooking Oil, Peanut Oil, Soybean Oil – Meals Trade
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Angel eyes angel eyes novel amazonde dittemore shannon campbell cassandra fremdsprachige bucher. Series an angel eyes novel book 1 paperback 336 pages publisher thomas nelson unabridged edition may 28 2012 language english isbn 10 1401686354 isbn 13 978 1401686352 product dimensions 55 x 09 x 84 inches shipping weight 114 ounces view shipping rates and policies customer reviews 44 out of 5 stars 197 customer ratings. Shannon dittemore is the author of the angel eyes trilogy and has an overactive imagination and a passion for truth her lifelong journey to combine the two is responsible for a stint at portland bible college performances with local theater companies and a focus on youth and young adult ministry when she isnt writing she spends her days with her husband matt chasing their two children around their home in northern california this text refers to an out of print or unavailable . Angel eyes by shannon dittemore is dittemores debut novel and the first in a series of novels about two teens caught in the middle of the war between angels and demons brielle is a beautiful and talented high schooler who left small town oregon for a boarding school in the big city only to have her new best friend murdered convinced she had seen signs that she shouldnt have ignored brielle finds herself back at home with her father to finish high school and try to deal with the fear
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An article published in the “Journal of Morphology” describes a research on the skull anatomy of Kawingasaurus fossilis, a therapsid that lived just over 250 million years ago. Paleontologist Michael Laaß of the Institute of General Zoology at the University of Duisburg-Essen (UDE) and Dr. Anders Kaestner of the Paul Scherrer Institute in Switzerland examined a skull of this animal noting a structure similar to the neocortex, the most recent part of mammals’ brain.
An article published in the journal “Royal Society Open Science” describes a research on megapodes, a family of birds widespread in many parts of Oceania that includes various extinct species. A team of paleontologists at Flinders University reviewed several Australian fossils and proposed a new classification in five extinct species with various relationships with extant species.
An article published in the journal “eLife” describes a genetic analysis on elephants based on genetic analysis of the three existing species and the straight-tusked elephant (Palaeoloxodon antiquus), which is extinct but sampling of DNA from its bones was accomplished. A team of researchers led by Matthias Meyer of the Max Planck Institute for Evolutionary Anthropology in Leipzig, Germany, proposes a new family tree for elephants different from the one currently used.
Two articles published in the journal “Nature” describe different aspects of a study on various fossil bones including a skull and a jaw uncovered at a site in Jebel Irhoud, Morocco. Several researchers led by the Max Planck Institute for Evolutionary Anthropology in Leipzig, Germany, studied the bones but also the remains of animals found with them to conclude that those were Homo sapiens of about 300,000 years ago, more than 100,000 years older than the most ancient Homo sapiens fossils so far known.
An article published in the journal “Nature Communications” describes a research showing a possible genetic mechanism that determined the evolution of birds from dinosaurs. A team of researchers from the Japanese Tohoku University that includes international collaborators provided what the scientists believe are evidence of the connection of certain genetic sequences to the evolution of bird traits such as feathers.


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When I scan bills introduced by legislators in Montgomery, only a small number will typically attract my interest. Generally, these will be bills that potentially foster a substantial degree of reform in the political dynamics of state government.
In the current legislative session, one bill meeting this criterion is SB61. This Senate bill proposes a state constitutional amendment that, if approved by voters, would limit to three terms (12 years) the time that someone could serve consecutively in the state Senate or the House.
Often, when I see bills that potentially jolt the landscape of legislative politics as much as the idea of legislative term limits, I just assume that the proposal is destined for a quick death and burial.
A bill of genuine reform, like SB61, is frequently assigned to a committee and never considered by it, or approved by a committee but never assigned any time for a final vote by the full House or Senate.
Many times, legislation of this sort will be sponsored by a low-profile "back bench" member of the Legislature. That member introduces the bill to acquire a little free, positive publicity with the media or an interest group. In other words, the bill is not truly designed to receive genuine consideration at the State Capitol, but is symbolic legislation for show.
However, when I reviewed the list of sponsoring senators for SB61, my eyes almost leaped from their sockets! The list of sponsors reads like a Who's Who among "movers and shakers" in the Alabama Senate. The primary sponsor, Sen. Trip Pittman of Mobile, chairs the powerful committee that reviews the education budget each year. Co-sponsors of the bill include Sen. Del Marsh of Anniston, who is president pro tem, a role that is arguably the Senate's most influential position.
Another influential co-sponsor of SB61 is Sen. Arthur Orr of Decatur, the chairman of the Senate's Finance and Taxation Committee that reviews the budget bill for all non-education agencies. Overall, nine of the Senate's 35 members sponsored the bill, and three of the eight senators on the committee that will initially review the bill are also co-sponsors!
If this particular term limits proposal was designed for symbolic purposes, it certainly does not follow the pattern of most bills of this type. And, if these senators really want a thorough airing of legislative term limits in the Senate, they will get it. This leadership group in the Senate, if operating collectively and in good faith, can almost certainly ensure a vigorous debate and vote on SB61.
Exactly what does the bill require?
No person could be elected to more than three consecutive terms in Alabama's Senate. And no person could be elected to more than three consecutive terms in the House. So, the bill does not absolutely limit a person to three terms or 12 years of total service in the Alabama Legislature during a lifetime, but prohibits uninterrupted service in the Senate or House for more than 12 years. A person apparently could serve 12 years uninterrupted in the House and then move to the Senate for another 12 years of uninterrupted service.
Under SB61's mandate, a person could still serve for most of their adult life in the Legislature, but must be politically astute or lucky enough to rotate at opportune times between the House and Senate. Also, membership in the Senate or House before November 2012 will not be counted as part of the 12 years. Thus, the bill does not apply to prior service in the Legislature. The bill, when compared to other states with legislative term limits, must be considered "term limit -lite" if one considers these features.
Alabama's constitution already imposes a term limit on elected state executives. A governor may not be elected to more than two consecutive four-year terms or eight consecutive years. And, the state's judicial branch arguably operates with informal or de facto term limits. After 18 years on the bench or three, 6-year terms, judges become eligible for a very lucrative retirement, and in light of the case loads for judges, some of them count the days to retirement with the same vigor that inmates count the days until release from incarceration.
The political conflict surrounding SB61 may prove most interesting. In most other states, lobbyists across the political spectrum have opposed terms limits. Frankly, they have reservations about a provision that mandates new faces in a legislature periodically, requires the establishment of new relationships, and necessitates working with more legislators who have no known track record when voting on critical issues.
I will be watching the fate of SB61, and especially the reaction of House Speaker Mike Hubbard, if the measure passes the Senate. Alabamians interested in term limits will also want to watch.
Jess Brown is professor of political science and justice studies at Athens State University.


Termination Board with Two Relays
Used to control valves, pumps and small motors by a ToughSonic sensor and avoid the need for other logic devices.
- Consolidates all power and interface wiring.
- Color-coded sensor wire landings.
- RJ-11 jack for direct connection to all Senix serial data interfaces and setup kits.
- Two Form-C dry contact relays rated 5A@250 VAC or 5A@24VDC with LED status indicators.
- DC power input terminals plus jack for UA-PS-750 power supply.
- Provides surge power protection on DC input.
- Includes DIN rail mounting clips. Can be standoff mounted.