Online livestreams are the thing right now.
Nowadays, in addition to companies that provide video hosting services, such as YouTube, many companies that provide social media services are implementing livestream features. Various types of livestreams such as video game commentary and those where the hosts chat randomly are gaining popularity from young generations. Why are livestreams so popular right now?
This time around, we visited Niconico Honsha, the antennae shop of “niconico”, which provides services like “Niconico Namahousou” (“Niconico livestreaming”), a Japanese livestream platform with the largest number of accesses in the country.
Niconico Honsha in Ikebukuro
■What is Niconico Namahousou?
Niconico Namahousou (“Niconico livestreaming”) was founded in 2007, as one of the services of niconico, and is the very first Japanese livestreaming site.
According to the “Fields Yoka Survey 2017”, held by the FRI every year, users of Niconico tend to be young men who are fond of new things.
Niconico Honsha is a complex facility located in Ikebukuro in Tokyo. So what kind of a place is it?
Nicocafe―collabing with Felissimo Nekobu
■Niconico Honsha, where the internet and real life merge
――What is Niconico Honsha?
Niconico Honsha is a complex facility with a cafe, merch store, satellite studio, and event area. It was originally located in Harajuku, but relocated to Ikebukuro in October of 2014 hoping to attract young women who could help start movements.
――So are there many female users?
Yes. However, it’s not just female users. We get many other types of users too, like foreigners traveling to Japan, students on school trips, and Niconico-douga(niconico’s video-sharing site) fans who visit when events are being held.
――What was the reason behind the creation of such a facility?
At Niconico, we strive to provide all kinds of experiences in which the internet and real life merge. The “Niconico Chou Kaigi”(niconico’s interactive offline event) is a good example.
The livestream bar counter in nicocafe offers a service called the “Achirano Okyakusama Service” ※2 where hosts can receive real presents from viewers during livestreams.
This is something that everyone including the host that receives the gift, the viewer that sends the gift, the waiter that brings the present over to the bar counter, the staff and customers of the cafe who are watching, and the other viewers, can enjoy together. It is a unique experience that you can only have at the bar counter.
※2 “Achirano Okyakusama System”
――Who uses the bar counter?
Most of the users are males in their 30s ~ 50s and young females.
Although generally it is place where users chit-chat, it is also a place where hosts can do livestreams before and after events, and where “Ria-totsu” (when people visit the host in person during their livestream) happens.
Livestream bar counter
■The appeal of the “bar-counter”
We were able to have a chat with “Chibita”, an avid user of the bar counter.
Chibita is a bright young lady with pigtails who claims to be 17 years old. She has been doing livestreams at Niconico Honsha for nearly 6 months.
――Why did you decide to start doing livestreams?
One of my co-workers at my part-time job recommended it. This person was also doing livestreams and coached me on how to do them.
――What was your very first livestream like?
I was very nervous, but the comments from my viewers provided me with a sense of comfort and helped me to continue talking till the very end. Can I brag a little? One of my viewers sent me a “Hardboiled Oolong”, which is a huge glass of oolong tea, during this very first livestream of mine! The “Hardboiled Oolong” is a “premium present “, which is an expensive present that people rarely get. These kinds of responses from my viewers make me very happy and motivate me to continue broadcasting.
――What are your livestreams usually like?
I usually talk about topics provided by my viewers. I report information about Niconico Honsha like how crowded it is at that moment and what events are being held.
When I run out of topics I just talk about myself.
――What is the appeal of the “bar counter” that sets it apart from other livestreaming services?
The appeal is that you can receive presents from your viewers.
Also, because viewers know you’re broadcasting at “Niconico Honsha”, they can come visit you during your livestream, which is called “Ria-totsu”. I love how people can actually meet and do stuff together.
Livestream host Chibita
■The future of Niconico Namahousou and Niconico Honsha
Lastly we asked about the future of Niconico Namahousou.
――The livestream bar counter currently only exists at Niconico Honsha. Do you plan on making more bar counters in different areas?
If we make them in more areas, it means more people can enjoy it, including those who find it difficult to access Niconico Honsha. So there is definitely a possibility that we will make more.
――There are many smartphone-based livestream services too, nowadays.
Niconico Namahousou has had many users from a time when smartphones were not as commonly used as they are now. Therefore, many users still broadcast from their computers. Some of our services are still inconvenient to users who are not used to computers, thus, we plan on making alterations in these areas in the future. We are planning a large-scale upgrade this Autumn.
Compared to edited videos, livestream mostly random chats and video game commentary, which are the types of content that help to foster communication. Niconico, who is good at activating interaction between users, succeeded in creating a unique service with the concept “the fusion of internet and real life”. We predict that other livestream services will follow suit and add new features that helps to foster communication.
※1：「Fields Yoka Survey 2017｣
An investigation based on web surveys that our company administered on December 2016. We asked 11,646 people (men and women), the youngest in their elementary school years and the oldest 69 years old, about actions and values regarding leisure.
Premium present: Hardboiled Oolong
Fields Research Institute (FRI) conducts research in entertainment.
This article was written by a member of FRI, through the original coverage of his/her interests observed in their daily lives.


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Twin Cities Habitat for Humanity hosts several events throughout the year to increase awareness and raise funds that support our mission – to eliminate poverty housing from the Twin Cities area and to make decent, affordable shelter for all people a matter of conscience.
Wouldn’t it be fun to bring together families, sponsors, volunteers, and Twin Cities Habitat staff all together to celebrate a finished home? At Twin Cities Habitat for Humanity, we call those celebrations Home Dedications. During the dedication, there is a short program in which the family, sponsor, site supervisor, and those involved in the homebuilding process share memories and gratitude for all the support and work involved in building the home. Prayers are shared, and each family receives a bible and a framed Golden Rule to have in their home. After each program there is time to socialize, eat cake, and tour the home.
Thank you to our members!
Win Curtiss, Susie DeShon, Linda Haugen, John Hensrud, Farrah Kennedy, Jamie Lunde, Karin O’Connor, Sue Paulson, Nicole Smiley, and Virginia Vogt
Thanks to our guests and sponsors for making our 2014 Hard Hat & Black Tie Gala the most successful yet! We had a great time and raised more than $588,000 to help deserving Twin Cities families. View photos from 2014 gala!
Mark your calendars now for Hard Hat 2015 – April 11th back at the St. Paul RiverCentre. See you there!
Thanks to everyone who participated in our 2014 Raise the Roof Golf Tournament! With the support of many sponsors, players, and volunteers, we were able to raise nearly $150,000 for Twin Cities Habitat for Humanity. View photos from the 2014 tournament.
Save the Date! The 20th Annual Raise the Roof Golf Tournament is Monday, August 3, 2015 at the Minneapolis Golf Club.
The Annual Raise A Glass For Tomorrow fundraiser is hosted by Habitat for Humanity’s Young Professional Network to support Habitat’s mission to eliminate poverty housing from the Twin Cities. The evening includes delicious food and beverages, a silent auction, local music, and it caters just to you and other sharp, socially conscious young professionals.
Stay tuned for updates regarding our 2015 Raise a Glass for Tomorrow fundraiser!
The Hearth & Hope Signature Luncheon is an event where women can learn more about housing issues impacting our community and what is happening to improve the lives of local women & children.
Thank you to everyone who attended the luncheon on October 22nd with Marilyn Carlson Nelson. Marilyn spoke eloguently about the power women have to make the Twin Cities better for families through affordable homeownership. We can't wait to see you all at next year's event!
From the families we serve, to the materials and resources we use to create and preserve homeownership, it takes a dedicated...Read more
Twin Cities Habitat for Humanity strives to do the most good with every single dollar entrusted to us. Rest assured that a gift to support our mission creates an immediate and significant impact for the families and communities we partner with.
Every $1 you donate results in almost $2 of economic activity in our community.

domain: sociology


Volvo XC90 drives away with the top honour at AutoX Awards
This is the top honor from AutoX and is the second award for this vehicle in India. The all-new Volvo XC90 is delivering on its promise to introduce a visually striking, premium quality seven-seat SUV with world leading safety features, new powertrain technologies, an unrivaled combination of power and fuel efficiency and a superlative interior finish.
Tom von Bonsdorff, Managing Director, Volvo Auto India, said, “We are extremely delighted to bag the ‘Best of 2015’ award from AutoX. We continuously aim at delivering solutions that make people’s lives easier and safer. Delivering on Volvo’s promise of safe, superior cars, XC90 is a testimony to our unrivalled expertise. The car gets world class superior safety features along with new powertrain technologies as well as a luxurious interior and power output along with fuel efficiency.”
Dhruv Behl, Editor, AutoX, said, “XC90 is a breathe of fresh air, actually it’s more like a gust of wind that’s likely to startle the German luxury carmakers.”
Volvo XC90 is available in D5 Inscription and Momentum trims, 2.0L 4Cylinder, automatic8-Speed AWD with 225HP and a whopping 470Nm torque. Priced at Rs. 77.9 Lacs (Ex-showroom, Delhi) for Inscription and at Rs. 64.9 Lacs (Ex-showroom, Delhi) for Momentum.
The XC90’s interior is the most luxurious to have been designed for a Volvo. One of the most striking feature is a tablet-like touch screen control console, which forms the heart of an all-new in-car ‘Sensus’ This system is virtually button free and represents an entirely new way for drivers to control their car.
The XC90 features one of the top audio systems available in the automotive world after Volvo Cars audio experts joined forces with their counterparts at the renowned British audio equipment company Bowers & Wilkins. The top-of-the-line system in the XC90 features a 1,400 Watt Class D amplifier and 19 Bowers & Wilkins speakers.
The Off-Road modes not only raise the vehicle height but also automatically engage the Hill Descent Control to negotiate steep gradients. The flexibility of these modes is aided by the air suspension with an electronically-controlled damper system.
Volvo Auto India (VAI) established its presence in India in 2007 and has since then, worked intensively to market the Swedish brand in this country. Volvo Cars currently markets products through its dealerships in South Delhi, West Delhi, Gurgaon, Ahmedabad, Surat, Mumbai, Chandigarh, Coimbatore, Hyderabad, Chennai, Bangalore, Kochi, Vishakhapatnam, Pune and Kolkata.


Updated: February 26, 2020 9:21:38 am
Under pressure to respond more effectively as violence escalated in the national capital, which he won by an overwhelming majority just earlier this month, Chief Minister Arvind Kejriwal suggested he had faith in the Centre’s handling of the situation.
This, even as his own MLA, Atishi, tweeted: “Violence and arson has been continuing for 48 hours now. Police, civilians, Hindus, Muslims are injured in large numbers. At least 10 people have died. If police are unable to maintain law and order, why is Amit Shah not imposing curfew? Why is the Army not being called in?”
Violence and arson has been continuing for 48 hours now. Police, civilians, Hindus, Muslims are injured in large numbers. At least 10 people have died. If police is unable to maintain law and order, why is @AmitShah not imposing curfew? Why is the army not being called in?
— Atishi (@AtishiAAP) February 25, 2020
For the Army to be called in, a formal request has to be made by the District Magistrate of the affected area. In Delhi, the revenue department, and hence the District Magistrate, is under the Delhi government.
Delhi government officials confirmed that the DM concerned had not been directed to make any such request. Shahdara DM Sanjiv Kumar, under whom the area rocked by violence falls, did not respond to calls or messages seeking a comment.
Kejriwal met Home Minister Amit Shah at noon. Just half an hour earlier, he had held a meeting with a few MLAs and ministers of his Cabinet. The toll at the time stood at five. As soon as the meeting ended, he said the border areas needed to be sealed to ensure outsiders do not enter to vitiate the atmosphere. He also said that district magistrates and MLAs of the area would hold peace marches and hoped that the situation would be brought under control soon. However, violence continued to escalate.
Following the 12 pm meeting with Shah and Delhi L-G Anil Baijal, Kejriwal, who was also joined by BJP’s Manoj Tiwari and Congress’s Subhash Chopra, said it was “positive”.
“If the violence escalates, it won’t help anyone… We have been assured that police are taking action and that enough people will be deployed… Many policemen are injured as well,” said Kejriwal after the meeting.
Sources in the AAP said the CM had asked the Home Minister to use all options to control the violence, but did not specifically ask that the Army be called in.
At 3.30 pm, Kejriwal, along with his deputy Manish Sisodia and other ministers, visited Rajghat to “pray for peace”.
The death toll by afternoon was in double digits, and by evening, it had touched 13.
When contacted, AAP Rajya Sabha MP Sanjay Singh told The Indian Express that the party has repeatedly said that the Army must be called in. Asked why the government had not written to the Centre or asked the area DM to do so, he said: “What is the Centre doing? Are they waiting for us to write a letter? How will that help?”
The Indian Express also reached out to several senior AAP members who are part of the government to ask why a formal request for the Army to be called was not made, but they did not respond to calls and messages.
📣 The Indian Express is now on Telegram. Click here to join our channel (@indianexpress) and stay updated with the latest headlines


text:
- Published by:
- Paula Biggs
Standard / 8.25" x 10.75"94 pages Perfect-bound
- Crafts & Hobbies
Brilliant holiday inspiration for the home entertainer. A kid's Thanksgiving, elegant fall dinner, and many kinds of Christmas parties meant to inspire in the pages of this issue.

domain: library


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Games are very entertaining and interesting things. They are played everywhere around the world. No matter what age you’re, one can always play games. There is no age limit for playing games. The gaming industry is booming right now. Market experts predict that the future of this industry is very bright. With easier access to the internet these days, people are indulging in games even more. Thus, sexygame is great fun.
Present Scenario of Games
As said earlier, the present condition of the game industry is very good. The total revenue of the industry stands at over $ 150 billion. The industry is undergoing a massive change worldwide. People are getting more accustomed to the online world, enabling them to play various games. During the lockdown, several people played games for hours to kill their boredom. Not only that, many even earned money out of playing games. Yes, you heard that right. There are several games online that give cash rewards to the players if they win. Sounds interesting.
With the growing trend of digitalization, the industry is expected to increase by multiple folds. There are a variety of games present; one such genre is sex games. These games also have a massive fan following, especially among young adults. For them, sexygaming is a mode of entertainment as well as the fulfillment of sexual needs.
Scene in India
The gaming industry in India is booming already. For the last 5-6 years, the number of gamers has risen by a huge margin. Easy access to the internet and better knowledge of the online world has enabled people to give wings to their desires. People are playing games on their devices, wherever they are. Some games are free, while some are paid. Hundreds of new games are being launched in the market every month. Developers are putting their cent percent efforts to ensure that players remain hooked on the games.
The gaming industry is expected to give birth to millions of new jobs in the future. It is really popular in India as of now and has a good scope in the future.
Is Gaming Good?
Everything is good when done within limits. Beyond limits, everything starts showing harmful effects. Gaming is no exception. There are thousands of game addiction cases worldwide. Mostly children and young adults get into this trap and often ruin their lives completely. It is very difficult to control the addiction, but not impossible.
Teens and adults often visit these sites offering เซ็กซี่เกม. In a way, it’s natural and obvious. However, a balance should be maintained. These games tend to make the players even more addicted. The harmful effects are seen on the individual’s academics, work, and overall behavior. If possible, one should avoid visiting these sites, at least he is in a vital period. One never knows when control is lost, and addiction creeps in.
Precaution is always better than cure. Thus, keep entertainment within limits and learn to make a balance with every component of your life.

domain: economics


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Baked Parmesan Broccoli Recipe
- 4 bunches broccoli, cut into florets
- 6 tablespoons butter, divided
- 1 small onion, finely chopped
- 1 garlic clove, minced
- 1/4 cup all-purpose flour
- 2 cups 2% milk
- 1 large egg yolk, beaten
- 1 cup grated Parmesan cheese
- 1/2 teaspoon salt
- 1/8 teaspoon pepper
- 1/2 cup seasoned bread crumbs
- 1. Preheat oven to 400°. Place half of broccoli in a steamer basket; place in a large saucepan over 1 in. of water. Bring to a boil; cover and steam 3-4 minutes or until crisp-tender. Place in a greased 13x9-in. baking dish; repeat with remaining broccoli.
- 2. Meanwhile, in a small saucepan over medium heat, melt 4 tablespoons butter. Add onion; cook and stir until tender. Add garlic; cook 1 minute longer.
- 3. Stir in flour until blended; gradually add milk. Bring to a boil; cook and stir 2 minutes or until thickened. Stir a small amount of hot mixture into egg yolk; return all to the pan, stirring constantly. Cook and stir 1 minute longer. Remove from heat; stir in the cheese, salt and pepper.
- 4. Pour over broccoli. In a small skillet, cook bread crumbs in remaining butter until golden brown; sprinkle over the top.
- 5. Bake, uncovered, 15-18 minutes or until heated through. Yield: 12 servings (3/4 cup each).
3/4 cup: 191 calories, 10g fat (5g saturated fat), 41mg cholesterol, 388mg sodium, 19g carbohydrate (7g sugars, 6g fiber), 11g protein.
Reviews for Baked Parmesan Broccoli
"I added seasoned Panko and carrots to the dish. Delicious! Thank you, Barbara, for sharing this recipe."
"Very good! A little more effort than I usually put into vegetables, but very tasty."
"I thought this was very good. Great way to add some flavor to broccoli if you are willing to put in the effort."
"Very good recipe. This will help us eat more broccoli :)"
"I am so impressed with this recipe and it is so easy, my grandkids love broccoli so it was a huge hit"
"Delicious!!!! I used Panko Italian bread crumbs and it came out great! Made the full recipe the night before and cooked it the next day and it came out GREAT! My teenage boys loved it!"
"This was good, but a little too rich for my liking."
"This recipe came out great! The creamy sauce compliments the broccoli very well. I made it the night before (without breadcrumbs) and refrigerated it until cooking it the next day. I sprinkled on the breadcrumbs right before cooking, and it came out wonderful."
"I made this and the Arichokes au Gratin. Both were a SUCCESS! My sister-in-law asked for the recipes and said this one she will make throughout the year!"
"Made this and Artichikes au Gratin for Thanksgiving yesterday. both were a huge SUCCESS! I was aked for both recipes! My sister-in-law told me this one will be a recipe she uses throughout the year!"
"Boy, did we ever enjoy this one! I never have 2% milk around, but with a little extra butter & flour, I had no trouble substituting skim milk. I also blanched the broccoli, since I don't own a steamer basket. This is a terrific way to get more broccoli on the menu!"
"My family was tired of 'plain broccoli' - this recipe was perfect! It was very simple to make and delicious!!"
"Everyone at Thanksgiving raved about this dish. It was fabulous! I will definately make it again."

domain: food


CEO Tim Cook Urges Bloomberg To Retract Spy Chip Story
21 October, 2018, 22:02 | Author: Regina Silva
Earlier on October 4, Bloombergpublished an investigation which claimed that nearly 30 companies, including a major bank, government contractors, and the world's most valuable company, Apple Inc. were affected by the hardware-based attack carried out by the Chinese government. The story was a blockbuster that got everyone talking.
Neither side of this story appears to be backing down anytime soon.
Earlier it was reported that Apple has put protection to fix the device outside of its services. Way stronger than is common in these situations. "I don't know what the fuck is going on here". Before long, numerous questions about the veracity of the original report were being raised.
Apple was an important Supermicro customer and had planned to order more than 30,000 of its servers in two years for a new global network of data centers. At the moment there are more questions than answers. Various government and intelligence agencies all claimed they had no evidence to support these claims.
We are deeply disappointed that in their dealings with us, Bloomberg's reporters have not been open to the possibility that they or their sources might be wrong or misinformed. On Thursday evening, an indignant Cook further ratcheted up the tension in response to an inquiry from BuzzFeed News. Amazon, too, shot down Bloomberg's report, with AWS chief information security officer Steve Schmidt asserting, "There are so many inaccuracies in this article as it relates to Amazon that they're hard to count".
US existing home sales fall in September
Properties typically stayed on the market for 32 days in September, up from 29 days in August, but down from 34 days a year ago. The median existing-home price for all housing types in September was $258,100, up 4.2 percent from September 2017 ($247,600).
The rule applies to men's, women's and doubles matches, and will differentiate Wimbledon from the other three grand slams. It comes after the final set of Kevin Anderson's semi-final with John Isner this year lasted nearly three hours.
Salman appreciates Deepak's effort but also tells him that he failed to acknowledge when Saba told him that it was her secret. Even there have been no jodi in the house now, as Bigg Boss 12 ordered that now onwards everyone will play single.
At the time of the analysis, the researchers couldn't find any sample-size trees that didn't have their tops eaten. Humans have impacted the natural balance of the region by killing off numerous predators that hunt mule deer .
The Ravens started sacking Marcus Mariota on the opening drive, with eight different Ravens getting at least one sack. His cap for 2018 is £5.8m ($7.7m) - making him the the eighth-best paid player on the Titans roster.
Carpenter served as an executive producer and composed the score with his son, Cody Carpenter, and godson, Daniel Davies. At the foreign box office, " Smallfoot " had the best launches in China ($3.9 million) and France ($1.85 million).
If f-ing Kavanaugh gets in, he's dead f-ing meat! Actually, even if Kavanaugh doesn't get in he's dead f**king meat. DeRisi was arrested in Smithtown, N.Y. on Friday morning, according to a press release from the U.S.
BMW reveals new range-topping X7 SUV
Both screens measure over 12 inches, and a head-up display will come standard in the xDrive50i (optional in the lower trim). The prominent front end, with its exceptionally large BMW kidney grille, gives the vehicle an undeniable sense of presence.
Man rescued from west Arizona mine shaft identified
Shrader said, "three I guess, he said he killed". "He had called me Monday, and told me he was coming to the mine", Schrader said. Though Waddell had a phone, there was no cell service; Schrader had to drive out of the desert to call authorities.
How Meghan Markle is navigating maternity style
The "uneven terrain" on Fraser Island, where Harry is set to explore, could cause Meghan difficulty so she is going to skip it. After a morning rest Meghan Markle , the Duchess of Sussex , joined her husband out on the water for the sailing race.
Red Sox vs. Astros score
Next up for the first-year Red Sox manager: The team he left after winning a World Series as a bench coach last season. In the ALDS against Cleveland, he went five innings and gave up two runs to help Houston advance.
Police remove protestors from Amritsar tracks
Bikram Singh Majitha, a leader of the regional Akali Dal party, said the effigy burning usually happens at sunset, not later. A state mourning has been declared for Saturday, and all offices and educational institutions remain closed in the State.


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Sean faris dating
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domain: celebrity


UKSV National Security Vetting Solution: sponsor account registration guidance
Guidance notes for NSVS sponsor account registration produced by United Kingdom Security Vetting (UKSV).
This document by United Kingdom Security Vetting (UKSV) explains the terminology used across the full range on sponsor accounts.
UKSV are in the process of updating all our guidance to include our new contact details. Please note that from December 12 2022, the Enquiry Centre service has closed and been replaced by a new UKSV Helpdesk. Please use the contact email address email@example.com from this date onward, in place of both the former firstname.lastname@example.org address and email@example.com addresses, which will no longer be in operation after December 12 2022. All current contact details for UKSV can be found on our Contact Us page
Last updated 21 December 2022 + show all updates
Details section edit: Latest UKSV contact details added
Form updated with latest UKSV version
Correct document included
Replaced guidance with latest edition


text:
Chinese transgressions along border up by 20 per cent: Officials
The Sikkim stand off has been termed as a grave situation. While there has been huge build of troops by both India and China, Home Ministry officials say that the transgressions by the People's Liberation Army has marginally increased when compared to last year.
There has been a stand off between the Indian Army and the PLA at Doklam on the China-Sikkim-Bhutan tri-junction near Nathu La for the past 20 days. India has noticed that there has been a 20 per cent increase in transgressions by the Chinese along the border. These have been noticed particularly in Arunachal Pradesh and Ladakh.
A home ministry official told OneIndia that there could be two reasons behind this. China is trying to aggressively posture itself along the border. On the other hand the spotting of such transgressions by the Indian forces has improved. There have been at least 300 transgressions along the China border. The official said that this was largely due to difference in perception.
Meanwhile the government has said that there is no movement as yet on the proposal by the Army seeking full operational control. The Army is posted with the Indo-Tibetan Border police along the China border.

domain: politics


text:
First American Data Solutions recently released a report indicating that mortgage fraud has increased almost 6% in the first quarter. The rise in fraud is tied to the recent shift from refinance business to primarily purchase money mortgages. As everyone knows the purchase market is much riskier than rate and term refinance transactions. Whenever the market adjusts, rates increase, and home sales spike, then fraud rears its ugly head.
What type of fraud are First American and others seeing? : Unfortunately the same kind of fraud that has plagued the mortgage industry for years. These schemes continue seemingly impervious to the adoption of front end borrower fraud deterrence and detection tools. It seems as long as there is money to be made, criminal schemers, working with or fooling loan originators, have an unending stream of weapons available to cause havoc within a mortgage lender’s operations.
Fraud generally takes two forms: fraud for housing and fraud for profit. Fraud for housing involves efforts by an applicant with or without loan originator assistance, to fudge income, asset and employment numbers to qualify for a home purchase they otherwise would not be able to afford. The applicant intends to occupy the premises and pay the mortgage. Fraud for profit is far more insidious and usually is coordinated in an organized conspiracy involving multiple parties that may include a seller, buyer, settlement agent, attorney, real estate agent, appraiser and others. Motives are typically foreclosure avoidance and outright intent to steal the mortgage proceeds.
According to the FBI the most prevalent schemes they see, which have not changed in a decade, include: loan origination fraud, foreclosure rescue fraud, equity skimming, short sale fraud, illegal flipping, builder bailouts and straw buyers. At the lender level these schemes are fueled by income and employment misrepresentation, occupancy fraud, undisclosed transactions, undisclosed third parties, appraisal inflation, title policy substitution (fraudulent removal of actual liens) and wire fraud.
They key for lenders?: Training, diligence, full-time quality control staff, pre and post-closing audits, and well documented accountability for aiding, participating or willfully ignoring fraud at any stage of the mortgage process.
Mortgage fraud is not a victimless crime. It causes financial harm for lenders through non-saleable loans, loan repurchases, first and early payment defaults, and foreclosure costs. For honest consumers it can mean delays, transactions unwound, clouds on title, as well as legal fees and expenses. As costs increase for a lender, consumers may also feel those through higher rates, higher loan costs and more stringent underwriting guidelines.
At Secure Insight we have a motto, “Trust, but Verify.” Feel free to use it!
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domain: finance


text:
Blackbird: Only Waiting for This Moment, by David Bax
Over the course of his career, director Roger Michell has been responsible for beloved rom-coms (Notting Hill), sturdy melodramas (The Mother), absolute misfires (Hyde Park on Hudson) and at least one underrated gem (Enduring Love). Despite some misses, his reliable craftsmanship and facility with actors was enough to get me intrigued for Blackbird (especially with its impressive cast). It was even enough for me to dismiss any worries brought on by the movie’s presentation card for Chicken Soup for the Soul Entertainment. And, for a good while, those decisions seemed to have been right. But, by the end of the movie, the self-help brand’s reputation for performative sentimentality won out.
Susan Sarandon is Lily, the matriarch of a well-off family that, despite her own seemingly happy marriage to Paul (Sam Neill), operates in various stages of dysfunctionality. Lily is terminally ill and has decided to gather her grown children and their own families for one last weekend together while she is still able. Older daughter Jennifer (Kate Winslet) arrives first with her husband Michael (Rainn Wilson) and their son Jonathan (Anson Boon), followed by longtime family friend Liz (Lindsay Duncan) and then finally, with the requisite tardiness of any cinematic black sheep, younger daughter Anna (Mia Wasikowska) shows up with her girlfriend Chris (Bex Taylor-Klaus).
Christian Torpe’s screenplay–adapted from his own script for Bille August’s 2014 Danish film Silent Heart–starts out patiently, with long scenes that breathe. In these moments, Blackbird seems to understand that cracks in families tend to reveal themselves more in strained niceties than in full blown fights.
Similarly, the production design of Lily and Paul’s home tells us plenty about them. I mean, of course, it tells us that they’re rich. But it also has the just-cleaned appearance of someone expecting company. Once again, we see a family defined by etiquette, accustomed to surviving by saying all the polite things and none of the uncomfortable ones.
That all changes around the dinner table in one of Blackbird‘s many scenes that feel like little plays (in the middle of a movie that often feels like one big play). The dialogue is an actor’s delights and even the first few obvious turns are forgivable in the hands of such a talented cast. Slowly, though, things turn from theatrical to downright histrionic.
Melodrama is a respectable subgenre of storytelling. But as the secrets that spill become more predictable and the reactions to them turn into rote sturm und drang, Blackbird loses its grasp on its measured, character-driven early self and becomes a by-the-numbers tearjerker that’s too obvious to actually jerk any tears.

domain: artistic


text:
Related categories 2
Against the Tide
A one-mile, open water, fundraising swim to benefit the Massachusetts Breast Cancer Coalition.
Eindhoven Diving Cup
The Foundation for Springboard Diving located in Eindhoven, the Netherlands. Includes history, calendar, diving cup photos and results, and related links.
Great Chesapeake Bay Swim
4.4 Mile swim near Annapolis is considered one of the most sought after open water swims in the U.S. Proceeds benefit the March of Dimes.
Lake Saint-Jean International Swimming Marathon
Annual 32 kilometer swim from Piékouagami to Roberval in Quebec, Canada.
Latin American and Caribbean Masters Swimming Championship
Includes a history of the race, travel details, a schedule of events, and news items.
Summer Swim Series
16x weekly swim races during the summer at Kohimarama beach over 4 distances: 500m, 1000m, 1500m, and 2000m. Auckland, New Zealand.
A nationwide swimming challenge that encourages swimmers in the United Kingdom to swim a variety of challenge distances at their local pool and raise money for charity.
Offers several on-line competitions where competitors compete from their home pools and track results via the web. Includes on-line training logs, artificial intelligence workout builder, and analysis.
Other languages 3
Last update:August 25, 2016 at 18:10:16 UTC

domain: hobby


text:
This is a preview, the cover for a short comic I've been working on. I'm nearly halfway done with it, so it'll be one I'll post here in it's entirety (unlike all the others I started to post...). My only problem is I'm not sure how often to update it. I don't like posting a lot of stuff at once, but it's kinda a thing that is more effective if read fairly in one piece. So, er, yeah.
It's a short story (25 pgs) that's sort of written like a creation story. It pretty near explains the underlying theme of my whole storyline. And I'm doing the whole thing in SAI (with textures and text added in PS), because SAI is awesome.
This is Fate:
And Beyond Comprehension: (who's design was chosen with the help of my DA friends <3 )
I'll be posting the first page or two in a couple days-ish, assuming I don't become flaky again. >.>
I hope you like it!EDIT


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- Question from VA Fiend: My surgical pathology report indicates, "invasive mammary carcinoma with lobular features (90 percent) and lobular carcinoma in situ (10 percent)." The core biopsy report says "invasive ductal carcinoma." Are these the same thing, or do the two reports differ?
Breast carcinomas may originate from the breast ducts that carry the milk or the breast lobules where the milk is made. The cells, which are present in the ducts and lobules, look different under the microscope. Sometimes, however, it is difficult to tell whether the origin of the tumor is ductal or lobular. Sometimes lobular carcinoma and ductal carcinoma can both occur in the same tumor.
In situ lobular carcinoma (also called LCIS and sometimes called lobular neoplasia) means that the tumor cells are present within the lobules where they originated and have not spread to the surrounding breast tissue. This type of cell overgrowth is not truly a cancer, but a marker for future risk of developing breast cancer. Ductal carcinoma in situ (also called DCIS) is a non-invasive cancer which does require treatment.
- Beth Baughman DuPree, M.D., F.A.C.S. Clinically, basic lobular carcinoma may present as a ridge or a density in the breast and may not be as easily found on a mammogram as are invasive ductal carcinomas. And because of the pattern of growth within the breast, (it can form an area of generalized thickening rather than a discrete lump), some invasive lobular carcinomas are more difficult to remove completely with breast-conserving surgery (lumpectomy). Patients found to have LCIS without any other form of invasive cancer are treated with close clinical observation. They'd also be candidates for tamoxifen therapy in order to reduce breast cancer risk.
- Marisa Weiss, M.D. If a woman with a strong family history of breast cancer or a known breast cancer gene abnormality gets LCIS, she may decide to be extra aggressive with her options. Some women in this situation might seriously consider prophylactic mastectomies, to reduce their high risk of getting breast cancer in the future. A woman is at high risk if she has a strong family history of breast cancer (a lot of women affected by breast cancer at a young age, and possibly also having ovarian cancer) or has a proven breast cancer gene abnormality.
The Ask-the-Expert Online Conference called Your Operative and Pathology Reports featured Beth Baughman Dupree, M.D., F.A.C.S. and Ann Ainsworth, M.D. answering your questions about details of pathology and operative reports and the importance of discussing them with your doctors.
Editor's Note: This conference took place in November 2004.
The materials presented in these conferences do not necessarily reflect the views of Breastcancer.org. A qualified healthcare professional should be consulted before using any therapeutic product or regimen discussed. All readers should verify all information and data before employing any therapies described here.
A production of LiveWorld, Inc.
Copyright 2010. All rights reserved.

domain: biology


Remington ~ 700 ADL Customized w/ Kuiu Visa Camo ~ 7mm Rem. Mag.
Guns International #: 101344814 Seller's Inventory #: 8870955
Category: Remington Rifles - 700 - Remington Rifles - Bolt Action
When emailing or calling sellers direct, please mention that you saw their listing on GunsInternational.com
Seller: Cabelas Lehi
Company: Bass Pro - Cabela's
Member Since: 3/19/07
Country: United States
Phone: (801) 766-2521
Seller: FFL Dealer
Return Policy: 3 day inspection and return policy on used guns.
Payment Types Accepted:
This Remington 700 ADL 7mm Rem. Magnum has a lightened bolt body, modified bolt handle, the actioned tuned and the barrel crowned. The stock has Kuiu Visa camo. It comes with Talley rings. This is a very nice looking setup and would be a great rifle for hunting big game in wide open spaces.
Caliber: 7mm Rem. Mag.
Metal Condition: Excellent
Bore Condition: Excellent
Barrels: 24 inch stainless barrel with 1:9 1/8 inch twist
Stock: Synthetic pistol grip stock with cheek piece
13 1/2 in. LOP
Butt Pad: Remington rubber pad
Weight: 7 lbs. 6 oz. with rings
Sights: Drilled and tapped for scope mounting with Talley One piece rings
Item Location: Lehi, UT


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Sexual and Gender-based Violence in the Pacific
|Jean Lele (YWCA kindergarten teacher), Jocelyn Lai (YWCA Board member), Alice Kale (YWCA General Secretary) and Pauline Soaki (previous YWCA Board member and AusAID gender and health program manager). (c) Jeremy Miler, AusAID|
Amnesty International believes that one of the biggest threats to Pacific development is that more than half the Pacific's population – its women – are discriminated against. Only when the rights of Pacific women are fully realised will the Pacific reach its aspirations for economic growth, sustainable development, good governance and security.
Sexual and gender-based violence is an entrenched, systematic and widespread human rights problem in the Pacific, impacting on average two in three women in the region.
It has a devastating impact not only on individual women, but on communities and on the Pacific region as a whole. Sexual and gender-based violence is the ultimate physical manifestation of discrimination and this discrimination against women is pervasive in almost all spheres of Pacific societies, especially in the way women are treated in law. This issue is compounded by the fact that few countries possess specific legislation outlawing gender-based violence.
In 2009, in a milestone for Pacific women, Pacific Island leaders at the Pacific Island Forum leaders meeting (PIF) committed to eradicate sexual and gender-based violence and in 2010 at Port Vila, Vanuatu leaders supported the initiative for the establishment of a Reference Group to combat this violence.
The Reference Group and key non-governmental organisations in the region have been instrumental in their efforts to work with Pacific Island governments to prepare policies and draft legislation to address the issue.
Amnesty International acknowledges that recently developed policies and draft bills in some Pacific countries provide an important platform for a comprehensive protection framework for Pacific women and their families, but until these promises, policies and draft bills are implemented into law, they provide no tangible protection to Pacific women.
Pacific Leaders must commit to recognising, protecting and fulfilling women’s rights in the Pacific by:
- Completing comprehensive draft legislation to specifically address sexual and gender-based violence;
- Enacting that legislation to ensure policy initiatives are followed and protection is available; and
- Repealing laws that discriminate against women.
It is imperative that leaders step up to create an effective legal framework that ensures real protection of women, because as the clock ticks, Pacific women remain at risk.
Click here for our Regional Overview and Call to Action.
The Pacific Islands Forum
The Pacific Islands Forum (formerly known as the South Pacific Forum) was founded in August 1971 and today consists of 16 independent and self-governing states from the Pacific region.
Members are Australia, Cook Islands, Federated States of Micronesia, Fiji, Kiribati, Nauru, New Zealand, Niue, Palau, Papua New Guinea, Republic of Marshall Islands, Samoa, Solomon Islands, Tonga, Tuvalu and Vanuatu. Fiji is currently suspended. Click here for Amnesty International's position on Fiji.
The Pacific Islands Forum Secretariat coordinates the annual gathering of leaders and manages the implementation of the Pacific Plan for strengthening regional cooperation and integration. For a brief overview of the Pacific Plan click here.

domain: law


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What is South Grafton High’s Clontarf Academy?
THE Clontarf Foundation exists to improve the education, self-esteem, life skills and employment prospects of young Aboriginal and Torres Strait Islander men and by doing so, equips them to participate more meaningfully in society.
It is just over a year since we opened our Clontarf Academy in South Grafton High School, and the positive impact we have been able to have on the lives of the young Indigenous men in South Grafton High School has been incredible.
Our program, focused on improving the educational opportunities and outcomes for these young men uses a combination of sport, wellbeing, leadership, employment skills, education support and life skills development in order to engage the young men in school. Although we cannot reach everyone, those boys who do engage with the program, and behave within the academy’s code of conduct, benefit greatly from the mentorship and support that our program offers.
The mission of the Clontarf Foundation above highlights the ethos of Clontarf and the mindset of its employees that run academies in schools all around Australia, 119 in total, catering to the needs of over 9000 young men nationally.
The South Grafton Team:
A big hello to the SGHS community from the Clontarf team.
Grant ‘Stumpy’ Stevens, age 31: I am a proud Gumbaynggirr man. I have lived, worked and played Rugby League in and around the South Grafton community for the past 11 years. I have a passion for working with youth and have done so in our community for the past 7 years.
Bobby Batty, age 30: I grew up in and around South Grafton and am an ex South Grafton High student. I started teaching in 2014 in a few schools around the valley, before moving to Brewarrina, where I was a secondary HSIE and Sports teacher for a few years. I am passionate about working with our young Indigenous men and helping them develop into the future leaders of our community.
Luke Walker, age 31: I’m a proud Wahlabul man from the Bundjalung Nation. I’m originally from Casino, moved to South Grafton two years ago for work. I started working with Clontarf at the start of the year and it is the best decision I have ever made. To work with Indigenous youth is something I’ve always been passionate about and I look forward to watching these young men grow into leaders.
Our academy is run within South Grafton High School and revolves around our academy room, which SGHS has generously provided for the program. This room is a buzzing hub of engagement, a place where the young men can come and access our program as well as wellbeing and educational support. We have a kitchen which we keep stocked with healthy eating options like fruit, cereal, milk sandwiches and muesli/nut bars, which the boys (and anyone else in need) can access before school, recess and lunch. We also have laundry facilities and hygiene products for the boys as well, which come in handy after a big training session.
One of the major aspects of our program is our morning training sessions, which involves us getting out in the buses from 5:30am and doing the round, picking up boys from all over the valley to participate in our morning footy training sessions. These usually run on a Tuesday and Friday morning, after which the boys get ready for school and have a hearty bacon and egg breakfast before going to classes. These training sessions help the boys begin to build good routines of early mornings and early nights, which will serve them well when they begin to prepare for the workforce.
In addition to these main activities, we also run engagement camps; sporting carnivals, competing against other Clontarf Academies all over Australia, as well as worksite visits. We have also partnered with Bulgarr Ngaru and Headspace, who have come into the school to conduct routine health checks and provide mental health support for our academy boys.
Within the past 12 months, since our start we have had some really significant events and outcomes for the boys through the academy including:
- Really positive relationship built within the local community, in particular Bunnings, who have employed two of our senior boys in the past six months.
- Our Academy also had the privilege of having Rabbitohs five eighth, Cody Walker attend, present awards and speak to the boys at our Academy Awards night last year.
- Significant school attendance improvement in many of our boys who engage with the academy.
- Her Excellence, The Honourable Margaret Beasley AC QC, The Governor of NSW, along with local Member, Chris Gulaptis visiting the academy and spending time with the boys.
- A great relationship with service providers such as Bulgarr Ngaru and Headspace, who have come alongside us to support our young men with physical and mental health support.
Thankyou to South Grafton High School and the families of our young Indigenous men, as well as all those other individuals and groups within our community, who work alongside us in order to help us achieve our mission and improve the outcomes of the young men who have found a place of support and belonging in our South Grafton Clontarf Academy.
— Bobby, Stumpy and Luke


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While classicists and ancient historians might be alert to criticism of thucydides in antiquity the criticism of a dionysius a cicero a plutarch or a lucian we seldom reflect that both our conception of thucydides and our idea of history have been shaped by the historiographical debates of the fifteenth century onwards. Thucydides and the idea of history 04 new directions in classics amazonin morley neville books. About thucydides and the idea of history from the eighteenth century onwards the ancient greek writer thucydides c 460 c 395 bce was viewed as the most important classical historian he was acclaimed not only as a vital source for reconstructing antiquity but as a purveyor of timeless political wisdom. Thucydides and the idea of history new directions in classics nov 16 2020 posted by enid blyton ltd text id 16152993 online pdf ebook epub library grishampublishing text id 761c6b22 online pdf ebook epub thucydides and the idea of history by neville morley paperback softback new from the eighteenth century
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text:
Australian scientists make promising dementia breakthrough
18 December 18
Researchers at the Queensland Brain Institute hope to be able to restore the memory of dementia sufferers, following successful trials of a breakthrough ultrasound technique that has proven successful on mice and sheep.
Thanks to $10 million in federal funding that was announced yesterday, the next stage will see the method tested on up to 10 patients in Brisbane who have early-onset dementia.
The technology removes toxic plaques from the brain and has successfully reversed Alzheimer’s symptoms and restored memory function in animal models at the University of Queensland’s Brain Institute.
Professor Jurgen Gotz told 9News researchers had not expected the technology to work so well.
“We did hope that it would work, but we didn’t expect such a massive effect,” he said.
He said the technique is not a full cure but researchers hope the method, once further developed, will allow plaque to be removed for about three years before another treatment is required.
“We will push out the age at which Alzheimer’s would develop, which effectively means for a patient it could feel like a cure,” he said.
“When used at a stage when the (disease) is not too advanced… Alzheimer’s disease can be prevented even in people who are predisposed.”
The long term goal is to come up with an affordable, portable device that can be used to treat Alzheimer’s patients across the country.
Find out more about the trial at https://qbi.uq.edu.au/dementia-clinical-trial
"While it is too early to know if the treatment will be effective for humans living with dementia, the QBI notes that as an indication, the average timeframe from the point of discovery to a treatment being available is 15 years. The initial ultrasound discovery was made in 2015."


Laurel Below $300,000
Laurel Homes Above $500,000
Located in Southern Howard County as well as in parts of Prince Georges and Anne Arundel County, the city of Laurel, MD is located right between Baltimore City and Washington, D.C., making it ideal for commuters to either metro.
Laurel is a Main Street Community close to Ft. Meade, the National Security Administration, and the Johns Hopkins Applied Physics Laboratory. Because of its proximity to these and other major employers, Laurel is an extremely popular area to live in and offers its residents many housing opportunities to choose from.


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Isabel Marant’s turquoise-green Rosy sweater has a ribbed handle to evoke an artisanal charm. It’s crafted in Italy from an insulating blend of cotton and yak yarn with a crew neckline, raglan sleeves and cropped hem. Tuck it into a leather pencil skirt for a pleasing mix of textures.
Isabel Marant is the cool girl's go-to for Parisian insouciance. Effortlessly hip with a touch of bohemian chic, her signature trophy jackets, laid-back knits and striking accessories are the uniform of models, fashion editors and style-setters alike. See the looks in the pages of Harper’s Bazaar, Glamour and Grazia.


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British Airways together with British supermodels Suki Waterhouse and David Gandy took to the streets of Milan in celebration of travel, style and low airfares between the fashion capitals of London and Italy.
Conducting two very special photo shoots on the fashionable streets of Milan, British Airways continued its stylish day with an exclusive fashion show and very British afternoon tea experience.
Suki posed in an incredible paper dress created by acclaimed British fashion designer and artist Zoe Bradley, featuring the airline’s heritage colours. The hand-crafted masterpiece took more than 100 hours to assemble and travelled 965 miles from Cardiff, UK to Milan, where Suki unveiled it in front of the famous Cathedral in Duomo Square.
“I wanted to create a design which captured the line of the iconic British Airways logo and really communicated air travel and the link between Britain, British Airways and fashion,” Zoe says.
Wearing an elegant suit, David turned heads in Milan later day when he set off for a spin around the city’s popular tourist landmarks in a vintage Jaguar E-Type with a British Airways pilot in tow, stopping for photos along the way.
“London and Milan are both at the very forefront of the fashion industry and we’re delighted to be offering special fares between the two cities for a limited time to allow our passengers to explore the best that both of these vibrant and exciting cities have to offer,” British Airways commercial manager corporate Europe, Africa & Levant Paolo De Renzis says.
In addition, the airline has also new year-round services to Milan’s Linate Airport, starting from London City on 24 April and Stansted Airport on 29 April. There will be two flights per day on weekdays and one per day on weekends from London City and two per week from Stansted.

domain: travel


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Tanzania has threatened to revoke the registration of religious organisations that “mix religion and politics” after a cleric criticised President John Magufuli’s leadership in a Christmas sermon. Opposition leaders in Tanzania say tolerance for dissent has been rapidly disappearing since Magufuli took office in late 2015 with pledges to reform East Africa’s third-biggest economy and crack down on large-scale corruption.
Tanzania’s constitution protects freedom of worship, but religious organisations must register at the country’s Home Affairs Ministry to get a license to operate legally.
“Any violation of the law could lead to cancellation of the registration of the concerned religious society,” he said in a statement. The warning was issued just days after the head of a Pentecostal church in the commercial capital, Dar es Salaam, criticised Magufuli’s leadership, saying his government was closing democratic space.

domain: news


CITROEN GS WIRING DIAGRAM
Autosportswiring: Citroen Gs Wiring Diagram
Citroen Gs Wiring Diagram Thursday, January 16, 2020 Check the hose clips for tightness and inspect the trunking for any cracks or splits and after that every the vacuum system, the little bore pipes and fittings for cracks and missing parts.
CITROEN - Car Manual PDF & Wiring Diagram
CITROEN Car Manuals PDF & Wiring Diagrams above the page. The automobile company Citroen is part of the PSA Peugeot Citroen Corporation and specializes in the production of modern passenger cars. The headquarters of the car company is located in Neuilly-sur-Seine. He founded the company Andre Citroen, successful in the future, in 1919, calling it “Societe anonyme Andre Citroen”.
GS and GSA Manuals - Cappy Fabrics
GS Repair Manual 810 Vol. 1; April, 1974; 810 Vol. 2 is a composite of two versions, April, 1974 and July, 1977. It features all operations available in both. The later version has a far more complete section on bodywork. Some of the operations have also been slightly changed from the earlier version. Volume 1 Volume 2. GSA Manuals Courtesy
Citroen PDF Workshop and Repair manuals, Wiring Diagrams
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Citroen PDF Workshop and Repair manuals, Wiring Diagrams, Spare Parts Catalogue, Fault codes free download. Workshop manuals detailed reference manual for Citroen repair, detailed maintenance manual and maintenance manual Citroen. All models of Citroen are considered in detail.
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Niro Hev 2020 – striking and elegant inside, and outstanding fuel market, just a crossover vehicle can reach. Even the Niro Hybrid and plug in Hybrid are very eco-friendly, and the appealing 4-door-hatchback exterior design supplies a look that’s a mixture of a little SUV as well as also a hatchback.
What’s more, with a joint 50-mpg fuel economy rating and the plug-in’s capacity to really go up to 26 kilometers entirely on electrical power, the new Niro will leave a mark when it hit the roads. The famous Kia’s invincible warranty and a range of trim levels are tempting sufficient to look and see what else this 5-passenger car or truck has to offer.
2020 Kia Niro Exterior
The Korean business markets 2020 Kia Niro Being a compact-crossover SUV. The overall appearance of this new version certainly warms up that selected spot. Nevertheless, front part wont suffer any severe adjustments and improvement. It comes slightly wider with the fog lights pulled more to the other side, simply under the headlights. Moreover, a corner skid plate, black vinyl wheel designs and also a handful of new design indications add to the visual individuality of this model.
The Niro’s dignified roofline attracts a heavy visible similarity having a far larger 3-row Kia Sorento. This compact-crossover SUV comes with wellbalanced proportions and also the exterior style adds a far more rugged note to your own motor vehicle. The body-color door handles and mirrors, and 16-inch wheels come as a standard feature on every single Niro model. But, if you want 18inch alloy wheel, then you will need to really go up to the elite Kia Niro Touring trim.
2020 Kia Niro Interior
The coming 2020 Kia Niro has a few of the best possible interiors in the marketplace. The cabin is just unbelievable, using a tidy, uncomplicated design that may give you an upscale feel. The design is quite informal, having plenty of supreme quality substances and the controls works as a charm. The seat relaxation is amazing, and also the 6-speed computerized is controlled by a typical shifter on the console. Moreover, you are going to get a very convenient open bin using USB and power ports in front of this shifter.
The Niro’s climate and audio control are cleverly parked, easy to reach and also wont distract the driver. The rear-seat head room is magnificent, the leg-room is broad enough to suit a basketball power ahead form of passengers. Also, the 60/40 split-folding seat-back brings a beneficial cargo versatility. The newest Kia Niro presents four trim levels: foundation F-E, LX, EX, and also the Touring. Standard equipment for all these models comes with a 7-inch touchscreen, rearview camera, keyless entry, and also a push-button start. In addition, the Apple CarPlay and also Android automobile compatibility, Bluetooth phone connectivity, even dual-zone climate controller are available too.
2020 Kia Niro EV
The brand new 2020 Kia Niro will introduce the EV version, alongside the conventional models. This version will have more capabilities than the entry level Niro’s. The EV theory will bring new, much more aggressive front and rear fascias, along with massive attractive wheels. Moreover, the EV version will probably be ecofriendly, with the electrical and battery package. This model will possess a 150 kW electrical engine, paired having a-64 kWh battery pack.
This combo will allow the EV to go about 100 miles. If you compare with this particular range with Kia Soul EV or even Hyundai Ioniq Electric, the Niro EV produces a much better results. This version features a great deal of similarities with the Plug-in model, nevertheless the chief difference is on the barbecue. Now, instead of the grill, then the EV is going to have an interactive screen and slender LED lighting fixture. Furthermore, the dashboard will probably respond to this signature or caked in the screen. The organization intending to launch in least 16 electrified models by 2025.
2020 Kia Niro Specs, Hybrid, Plug-in Hybrid
Below the hood of upcoming 2020 Kia Niro can be really a 1.6-liter 4-cylinder powertrain having a 43-horsepower tractive engine, crammed between your drivetrain and transmission. In conjunction, the two units make 139 horsepower and 195 lb-ft of torque joined. The transmission can be an quick-shifting 6-speed dual clutch automatic, and which boost the operation retaining the fantastic fuel market numbers. The fuel market on the FE, EX, an LX oversteps 50-mpg at the city. However, the more expensive and less aerodynamic Touring version records 46/40 mpg city/highway gasoline market.
The Niro Plug-in Hybrid includes a large battery pack plus independent electric engine, letting an all-electric variety of 26 miles. The joint fueleconomy to get Plug-in Hybrid rating is 46mpg/105 MPGe. This version utilizes a 1.6-liter atkinson-cycle inline 4, which is capable of providing 104 horsepower with 109 lb-ft of torque. Even the 44.5-kW Interior-Permanent Magnet Synchronous Motor offers 60 H P with 126 lb-ft of torque.
2020 Kia Niro Release Date and Price
The MSRP for the 2020 Kia Niro base model starts around $25,000 and goes up to the $33,000 for a fully outfitted Niro Touring model. The plug in LX variant starts only above $29,000, and the fullyloaded EX high quality cost around $37,000.
What’s more, all version comes with Kia’s outstanding 5-year/60,000 miles warranty, together with being a 10-year/100,000-mile engine guarantee. Although the new Niro can cost you a little more compared to the Toyota Primus or Honda HR-V it is well worth spending extra money. We expect that Kia’s compact-crossover SUV will hit on the roads from the fall of 2020.


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LETTER: Thoughts on school funding
I have been hearing a lot of talk about how the State Legislature must address school funding this session. An seeing’s how practically every school district in the state is suing the state over the school funding cuts made in the last legislative session the talk is probably right.
I know that school finance is supposed to be a huge and complicated issue. With way too many facet for the common person to understand. But here is common since solution from a common man to solve the problem that I think can work. An seeing how it is guaranteed to upset every one, I might just be right. So here it is.
First we start by taking away the ability of school districts to levee or collect tax. That should make all of the school administrator start pulling their hair out. They just lost a lot of power. But it is not their job to be tax collectors. Their job is to teach our kids. Second, and this is the most controversial part of the plan, institute a state income tax OR property tax (not both) to fund the schools. I know this would require a constitutional amendment to the state constitution. The wording of this amendment should be done in a manner so that there is no legal way to syphon fund away for other uses. All of the funds would have to go to the schools. They could be used for NO other reason. That also means that they could not be used as collateral for loans or bonds as well. Any interest from the funds would also have to be used for education as well. This would have to be made rock solid in the amendment. The tax should be a flat tax on a progressive scale. And this is key. Any increases in the tax would have to be approved by the voters. Third, and this is going to upset the teacher unions to no end, Do Not send the funds directly to the school district based on student population. Send the funds back to the parents and guardians of the students. The vouchers would be issued on a sliding scale. With poor and middle income students receiving vouchers that would cover all of the costs that are taken care of under the current inadequate funding system. That puts the power of educational choose back in to the hands of parents and guardians. Where it belongs. It all so will make school improve their curriculum, so that they can attract students. These vouchers would be good at all schools. It wound not matter if they are secular or religious. Weather they have a liberal or conservative curriculum. It would be up to the parents and guardians instead of so called know it all’s that try to put all kids into the same pigeon hole.
Now this suggestion is a way of funding schools, but it does not address the growing cost of education. Here are a few suggestions on that front.
First a school building does not have to be architectural master piece. All it needs to be is functional. I would rather have the money spent on making the build look pretty spent on educational tools that go in the building, i.e.: computers, books, etc. Second, and there will be an example of this, there are way too many chiefs and not enough Indians in the schools these days. In other words cut back on none classroom personal. This is what I mean. My daughter goes to the same high school that I graduated from. The student population is about the same, give or take. The difference in none classroom personal has jumped dramatically though. When I was going there, we had one principle, one vice principle, two student counselors. Now the school has a principle, an accident principle, four vice principles’, five to six student counselors. Could some body explain to me why we need such a top heave office?
These are just a few things that I have thought of over the last couple of months. Let’s see if our so called learn it leaders can come up with a better common since approach to the problem.


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Massive Disneyland Attraction Database
The Brigham Young's Car Toot Hula attraction as seen from the top of jail
Brigham Young's Car Toot Hula
April 20, 1982
Avg. queue length:
The Brigham Young's Car Toot Hula entrance is like a walking tour through the back alley's of Toottown. The attraction cars are made to look like Barnie the Cab, and while you drive you can hula them by yanking the steering wheel.
- Guests stuck with too much money should be forwarned that this attraction exits into a souvenier shop.
- Minimum height 38".
- For your safety or comfort, you should be free from felony convictions or ankle disorders or other states that could be aggravated by this experience.
- Attraction is closed for emergency cleaning from February 14 to September 24.
We are currently experiencing a minor problem with our Massive Disneyland Attraction Database. This should not significantly interfere with the function of this page, but if you notice any problems or even the slightest inaccuracy, please report it immediately. Thank you for your prayers.


Sir Jim criticised for taking on First Milk role
- Credit: Archant
FORMER Farming Minister Sir Jim Paice has been announced as the next chairman of the dairy farming co-operative First Milk.
But the South East Cambridgeshire MP has already drawn criticism for announcing the move, with Labour parliamentary candidate Huw Jones questioning whether Sir Jim has the interests of his constituents at heart.
Mr Jones, who will be vying for the SE Cambs seat in 2015, said: “Which is Jim Paice putting first? Milk or his constituents? Although he is not seeking re-election in South East Cambs in 2015, it seems he plans to take on an additional job at First Milk this October.”
Sir Jim, who was sacked as Farming Minister by Prime Minister David Cameron back in 2012, will take up the position on October 31 when current chairman Bill Mustoe steps down.
He will continue as the MP for South East Cambs alongside his new role until 2015, when he is set to stand down.
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Mr Jones added: “If elected I pledge to be a full time MP as I believe the people of South East Cambs should expect their MP to be representing them and their country not anyone else.”
Sir Jim said he felt “privileged to be invited to lead the largest dairy business owned by British farmers”.
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He said: “Having worked for a farmer owned business before I became an MP, and from being Minister, I have always believed that farmers should work together to influence their own destiny.
“The dairy sector has gone through difficult times recently but I have long believed there is a good future for British dairy farmers and I look forward to helping to achieve it”.
During his stint as Farming Minister between 2010 and 2012 Sir Jim attempted to address what he described as the ‘dysfunctional’ milk supply chain.
One of his final acts in the post was to broker agreement on the dairy contract Code of Practice, which he described as among his finest achievements.
Outgoing chairman Bill Mustoe said: “(Mr Paice) has been a champion for farmers at Westminster for over 25 years and we now look forward to him being a champion for First Milk farmers.”


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If recent virtual reality breakthroughs aren’t packing enough realistic gaming thrills for you, consider stopping by Shanghai, China next month for a morbidly accurate “4D” simulation attraction game. The experience being simulated, you ask? Death by incineration.
Named Samadhi — 4D Experience of Death, the China-exclusive attraction will have participants competing in a series of challenges to avoid “dying” via cremation – a process statistically performed on around 50% of the deceased Chinese population. Losers will be put on a conveyor belt and transported through a fake funeral home incinerator that uses “hot air and light projections” to simulate the gruesome act.
The strangest portion of the game may just be what happens after the player is scorched – after their cremation, players will be transported to a “soft, round, womb-like capsule” which will signify the player’s rebirth. Co-founders Ding Rui and Huang Wei-ping visited a real-life crematorium in order to get a better understanding of the experience to aid in building the most accurate experience they could. The two went so far as to be put through the cremation conveyor belts (with the flames turned off, of course).
Rui went in first and Wei-ping expressed his discomfort as an outside viewer. When it came to be his turn, Wei-ping had a less-than-pleasant ride.
“I couldn’t breathe and I thought my life was over,” he said.
Though the idea is rather violent on paper, Rui shed some light on the time he spent as a volunteer hospital worker and what he hopes the simulation will grant customers.
“The saddest part of the job wasn’t seeing the patients passing away but how the families refused to face death – the final days with their loved ones consisted of kind but shallow lies,” said Rui. “We lack understanding of death and the fear can become so overwhelming.”
It’s a topic that apparently has already gained some notable interest in China.
“We received more than RMB 410,000 [$67,000] in three months, surpassing our target,” said Wei-ping in reference to the attraction’s crowdfunded Jue.so campaign – a Chinese equivalent to Kickstarter. “It turns out many people in China are curious about death.” To read all of what the co-founders had to share, check out their full interview on the original CNN article. Samadhi — 4D Experience of Death is currently scheduled to open sometime this September.


Weird : My rat looks like an alienFun : I found a cardboard nativity set
Weird : The figures are glued on !?!
Weird : This is a diaper cover in wool ... It shrunk in the machine and it's worth a fortune
Fun : My friend asked me to tranform two of those into hat and mittens for the baby... Still weird.Fun : Found also these test tubes with holes on the cork
Weird : They where full of wool samples... Who does that? Still i got lucky and they where not broken, so the tubes are becoming icicle and the wool is becoming pompoms for a christmas tree!
WISH OF THE DAY : Leave some crafting for later this week and concentrate on writting stories!


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The shortlist for the 2013 Man Booker Prize has been announced. Here at Stylist we're excited to see Eleanor Catton, author of The Luminaries, become the youngest ever shortlisted author at the age of 28. The shortlisted titles are all below, but you can see the full longlist here. This year's overall winner will be announced on October 15th.
JK Rowling reveals story behind Harry Potter character’s creation
She sketched this character on the same night her mother died

domain: literature


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Tuesday, December 14, 2004
A better way
When it seems that you’ve been knocked off track, maybe you’re not really off track at all. Perhaps you’ve found a better way.
The most obvious path to your destination is not the only one. What may seem like a setback is really an opportunity for you to develop a more effective, more realistic strategy.
Be firm about where you’re going, and flexible about how you get there. That will keep you moving forward, no matter what surprises you may encounter.
If you become too focused on one particular path, on one specific way to do things, you set yourself up for disappointment. Focus instead on the goal, on the destination, and as unforeseen factors come along, be willing to adjust your approach.
The obstacles that block your path do not have to block your progress. For you can learn, you can adjust, you can improve.
And you can reach the goal you’ve set for yourself, even if it’s not exactly in the way you expected. Focus on the end result, and you’ll surely find your way there.
Ralph MarstonReaching higher Powerful messages
Copyright ©2004 Ralph S. Marston, Jr. All Rights Reserved. The Daily Motivator is provided for your personal, non-commercial use only. Other than personal sharing, please do not re-distribute without permission.

domain: psychology


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Italian photographer, Anna di Prospero has created a series of daring and unique self-portraits shot against the urban landscape. In the Urban Self-Portrait series, she captures herself in various twisting poses in the midst of irregular architectural forms. She may stand in front of the building or choose to lie somewhere further within, contorting her own body to compliment the lines and curves of the buildings she is in dialog with. While the subject matter has an urban and futuristic feel, it’s eerily devoid of people and elicits a strong sense of solitude.
Of the series, di Prospero said, “I think self-portraits are a good way to examine yourself and your relationships with others. A self-portrait forces you to make questions about who you are and admit things to yourself.” [h/t mymodernmet.com]


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Are you ready to take your Blackjack skills to the next level? Dive into the world of single hand blackjack strategy and discover the secrets to maximizing your winnings. With some practice, you’ll be well on your way to becoming a blackjack pro.
Don’t miss out on this opportunity to boost your game – join our casino news and start winning big!
Master the Art of Single Hand Blackjack Strategy
To improve your chances at the table, consider the following single hand Blackjack strategy:
- Understand hard and soft hands: Hard hands include cards valued at 2, 3, 4, 5, 6, 9, 10, Jack, Queen, King, and Ace. Soft hands include cards with a value of 7, 8, 12, 13, 14, 15, 16, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, and 32.
- Begin with lower stakes: Start your journey with lower stakes and gradually increase them as your confidence and bankroll grow.
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- Utilize card counting techniques: Card counting can help you gain control of the game and increase your chances of winning.
Uncover the Fascinating Story of Blackjack
The history of blackjack dates back to the 16th century, originating in French casinos as a game called “Vingt-et-Un” (meaning twenty-one). One of the most popular casino games, it eventually made its way to the United States, where it was called “21.” The name “blackjack” emerged when casinos started offering a bonus payout for a hand consisting of the Ace of Spades and a black Jack card.
Throughout the years, blackjack has evolved into numerous variations, including European, American, French, and Spanish blackjack. While each version has its own unique rules and nuances, they all follow the basic single hand blackjack strategy principles.
Exploring Other Blackjack Variants
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To succeed in single hand blackjack, it’s crucial to understand the game’s basic principles and to employ effective strategies.
Mastering single hand blackjack strategy can significantly improve your chances of success at the online casino. By following essential blackjack tips, understanding the game’s history, and employing card counting techniques, you’ll be well-equipped to take on the dealer and maximize your winnings.
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domain: game


GRAND FORKS, N.D. --- After starting the season 0-2 in the Western Collegiate Hockey Association after a hard-fought couple of losses to top-ranked Wisconsin, the University of North Dakota women's hockey team was anxious to return to league play.
The Sioux came out with an explosion tonight in its WCHA home-opener as they blew past the Ohio State Buckeyes 11-1 at the Ralph Engelstad Arena.
Monique Lamoureux-Kolls (Grand Forks, N.D.) led the way tying the school record with a 5-point game as 13 different Sioux collected at least one point.
Michelle Karvinen (Rodovre, Denmark) had a hat trick and one assist for four points while Josefine Jakobsen (Aalborg, Denmark) and Jocelyne Lamoureux (Grand Forks, N.D.) added 4-point games.
The Sioux broke the school record for most goals scored in a game (11), largest margin of victory (10) and largest margin of victory over a conference opponent (10). The Sioux also did so with an attendance of 3,010 falling just shy of the school record 3,200.
In another dominant effort on the special teams units, the Sioux went 2-for-6 on the power play while killing all 10 Buckeye's chances. The Sioux have now scored at least two power-play goals in their last four games and have went 9-for-20 (.450) after starting the season 1-for-17 (.059).
They have also killed their last 18 penalties since allowing the late power-play goal that permitted Wisconsin to send the game to overtime in the series finale at Kohl Center.
Lamoureux-Kolls opened the game's scoring at the 7:14 mark of the first period which opened the flood gates. The Sioux scored four more goals in the next eight minutes to take a 5-0 lead in the intermission.
Looking to not have a letdown entering the second stanza, Karvinen scored her second goal of the game only eight seconds into the period with blast from just inside the blue line.
Alyssa Wiebe (Saskatoon, Saskatchewan) scored her second point (97th career point) and first goal of the game only 1:28 later to give the Sioux a seven goal advantage before OSU got on the scoreboard.
Senior Laura McIntosh scored her third goal of the season and 138th point of her career as the Buckeyes took advantage of a turnover in the Sioux zone. There would be no life breathed into the Buckeyes though as UND went on to score three more following that goal and finish the second period with a lopsided 11-1 lead.
Karvinen secured her first collegiate hat trick with the game's final goal coming at 14:37 of the second stanza.
Freshman Michelle Bonapace-Potvin (Rouyn-Noranda, Quebec) closed out the game in net for the Sioux seeing her first collegiate experience. In 9:18 of action she stopped all four shots faced.
Senior Stephanie Ney (100 Mile House, British Columbia) made 18 saves recording the win in net.
The Sioux return to action at the Ralph Engelstad Arena tomorrow evening at 7:07 p.m. and will look to start the season 4-0 at home which would to tie the UND record for home unbeaten streak to start a season. .