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The newest TD in the Dáil has called for the voting age to be lowered to 16 for all elections and for politics to be taught in the school curriculum so young people take a greater interest in it.
Helen McEntee said the hours were long and it was not family friendly, but more women should be encouraged to enter politics as it was a fantastic job where one can make a difference.
In an interview with the Irish Examiner, she also spoke about the whip voting system operated by Fine Gael in the Dáil and the challenges facing a TD.
She said Junior Certificate students learn a little in Civic, Social, and Political Education, but it is not enough and does not include details on political parties and the wider system. “I think it should be put on the programme.”
She said the voting age should be lowered to 16 or 17 so young people would begin and continue to vote as they grow older.
The Government has already agreed to hold a referendum on lowering the voting age to 16, as suggested by the Constitutional Convention.
“If you’re at home, your parents are more likely to get you to go and vote. It could be 16 or 17.”
A Fine Gael backbencher, she spoke about the reality of being a TD: “I might want to do something for one person and it might have a knock-on effect. You can’t just change or bend the rules.
“Even when I worked with Dad [the late TD Shane McEntee] I thought I had an insight into things, but not near as much as I thought I did [when I got elected].
“Before you come you think if you’re not speaking, you’re not doing anything if you’re not contributing on the Dáil floor.
“In reality, the more you’re in the House the less you actually get done. When you’re sitting in the chamber, you’re not dealing with constituents, you’re not dealing with issues, you’re not working on things.”
Ms McEntee, 27, took over her father seat in a byelection last year, and said ministers do listen to TDs.
“My Dad was a prime example of that with regards to the pyrite which was an issue which started from other backbenchers and got brought up to ministerial level.”
She said one of the most difficult situations she has faced since being elected was how to help a woman in her constituency who was suicidal because a bank threatened to sell the family home.
“She was saying that she’s in a very bad state herself... It’s very hard to listen to someone say that if they don’t get help then that’s [it]. If somebody tells you they’re at that stage and you think, ‘if I can’t help them or what if something happens’. There’s an urgency about it.”
She said it was a difficult case to deal with because of her late father, who took his own life, but said it “would be difficult for anyone”.
The woman’s position had since improved and a deal agreed with the bank, Ms McEntee added.
She also said she approves of the Fine Gael whip system, where TDs vote according to party orders, and adds that it should remain in place.
She said Irish politics was not family friendly, but that this also applied to men.
“It’s very hard when there are only men there to encourage more women to become involved. You need to be able to show more women that it is a fantastic job; that yes the hours are long, it might not be the most family friendly, yes there are a lot of men involved.
“But if you love it enough, if you’re able to stand up and speak and give your own opinion, then it’s a fantastic job.”
© Irish Examiner Ltd. All rights reserved

domain: news


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When Persona 4 Arena Ultimax was announced for a PlayStation 4 re-release, many fighting game fans wanted the answer to just one question: will it have rollback netcode? For those who might not know, rollback is pretty much the most reliable form of netcode for fighters, allowing smooth online play. Rollback has been a key talking point for years, but the conversation exploded when Guilty Gear Strive released, boasting fantastic rollback netcode — possibly the best that we've ever seen.
Strive set the standard, and now every new fighting game is going to be met with a lot of criticism if it doesn't adopt rollback. This was initially the case with Persona 4 Arena Ultimax, which was confirmed to not have rollback when it was announced. Fortunately, Atlus and Arc System Works got the memo, and they're now saying that the PS4 re-release will be updated with rollback netcode this summer.
With Ultimax launching later this month, this means that players will have to endure subpar netcode for at least a few months — but at least rollback's coming.
Are you looking forward to Persona 4 Arena Ultimax? Will you be getting it at launch, or might you be waitin for the rollback update? Summon your own persona in the comments section below.

domain: game


Both heat and salinity cause yield decrease in wheat. Grain yield in wheat has increased as a result of breeding efforts for different stress conditions. However, there are still substantial opportunities to improve grain yield by using conventional breeding under stress conditions, like heat and salt stress. The objective of this study was to investigate heat and salt effects on yield and some agronomic traits of four wheat genotypes and their six half F2 diallel cross progenies grown in pots. Significant differences were found among the genotypes for grain yield under both heat stress and non-stress condition. There was a mean reduction in yield of 12.6% due to salt stress. The reduction in biomass was higher than grain yield under salt stress while it was lower at heat stress. Grain yield was positively correlated with spike weight, harvest index, grain numbers per plant and biological yield under non stress (NS), heat stress (HS) and salt stress (SS) conditions. Cultivars Seri 82 and Chil’s had high yield among parents under both NS and SS. Chil’s and its hybrids showed low reduction in yield due to SS; thus, exhibiting salt tolerance. Also, Chil’s was found to be good combiner with high General Combining Ability (GCA) effects for grain yield under SS conditions. 84 CZT04 was the most susceptible cultivar under SS. Significant GCA effects of Genç 99 and 84CZT04 provided positive contribution to grain yield under HS. It was impossible to select both heat and salt tolerant genotype with high yield capacity from the used genotypes. However, heat or salt tolerant genotypes can be improved by selection breeding due to genetic variation among genotypes.
Key words: Salt and heat stress, wheat, diallel.
Copyright © 2022 Author(s) retain the copyright of this article.
This article is published under the terms of the Creative Commons Attribution License 4.0


National Assembly of the Republic of Serbia / Activities / Activity details
Wednesday, 12 June 2019
33rd Sitting of the Committee on Education, Science, Technological Development and the Information Society
At the sitting held on 12 June, the Committee on Education, Science, Technological Development and the Information Society considered the proposal to organize a public hearing on the Bill on Science and Research, submitted by Committee Chairman Muamer Zukorlic.
Under item “any other business”, the Committee members accepted the proposal of MP Olena Papuga to prepare another public hearing, some time from September onwards, on the education of national minorities.
The sitting was chaired by Committee Chairman Muamer Zukorlic, and attended by the following Committee members and deputy members: Dr Ljubinko Rakonjac, Fatmir Hasani, Djordje Kosanic, Olena Papuga, Natasa Jovanovic, Prof. Dr Ljubisa Stojmirovic, Miletic Mihajlovic, Prof. Dr Marko Atlagic, Milena Bicanin, Andrijana Avramov and Prof. Dr Milan Knezevic.
Committees related to this activity
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A Centre Hall man was bound over for trial Wednesday on charges that he watched young women undressing in their downtown State College apartments.
Joseph A. Schluter, 36, faces one count of invasion of privacy and five counts of loitering and prowling, all misdemeanors.
At his preliminary hearing, five girls testified that Schluter had watched them or their roommates in their Beaver Plaza apartments from the nearby Fraser Street parking garage. Two said he was watching them as they came out of the shower and were getting dressed.
State College police said Schluter was a former State College borough employee, but supervisors said he had no reason to be looking into apartment windows from the deck. Defense attorney Bernard Cantorna argued that his client was doing his job, patrolling the parking garage to prevent possible suicide jumpers.
District Judge Tom Jordan dismissed one count of invasion of privacy on grounds that the woman was not naked enough to meet the legal requirements of the charge.

domain: law


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I've been working on an enhancement to Jini servce lookup in my reef project over on jini.org. I've still got more work to do before getting to the proposal stage. Here's where I'm at.
ServiceRegistrar's lookup(ServiceTemplate,int) method returns a ServiceMatches object that then provides access to an array of ServiceItem Objects. The ServiceItem class has no accessor methods, and just provides fields with access to the unmarshalled form of the service registration data values, namely the ServiceID, an Entry and service object.
What happens with this implementation is that if a ServiceTemplate matches more than just a couple of services, a whole bunch of code downloads can occur and a lot of time can elapse while the service code is downloaded and the service registration objects are instantiated. This API doesn't provide any real flexibility in controlling when unmarshalling occurs or which values are unmarshalled.
With 4 machines, that means about 100 serviceUIs and about 60 download requests using ServiceRegistrar to lookup these services. The kicker is that some of the users of these clients connect with a cellphone dialup or similar low bandwidth connection to access the mainUI for some of these services.
I was confronted with a real need to greatly reduce and explicitly control the moment of downloading code. The client computers are not big computers either, so I really need to control the total number of live objects too.
This is largely a valid response from a number of perspectives, but it doesn't make it any easier to get the results one might really need. It is an architecture which uses existing functionality and extends it to be more useful. The fact that there is some additional work involved in creating and deploying another service creates some barries however.
One of the issues with the service lookup/matching specification is that it doesn't demand marshalling it just says that lookup comparisons must be equivalent to MarshalledObject.equals() behavior. There are some interesting reasons why one might choose to not specify the required implementation. But, this, to me, leaves the door opened for lookup service implementations that won't use marshalling, and thus won't provide the client the opportunity to control the unmarshalling.
The BasicILFactory class provides the ability to supply MethodConstraints to dictate what types of criteria the transport, invocation and client environments must meet to use the service. There are some interesting interactions here from the perspective that you can tell the invocation layer that your service needs to have a secure transport, with the endpoint implementation providing this guarentee. There are some interactions through the layers that make it possible for the question of "is this constraint met?" to be answered. This happens through a number of paths of execution from both the client side (proxy preparation) and the service side (proxy verification and invocation layer validation during inbound calls).
I'd like for service lookup results to allow the client software to query the service for its requirements so that a first time use of a service could allow the client to assert the required constraint implementations through dialogs or wizards that would help users understand more about the service requirements. Currently, these implementation details are manually managed and the deployment environment is assumed to be managed by well trained people who most likely already know the requirements that need to be met.
Login identities for authentication and authorization are one barrier, but there are other constraints that the user can meet with explicit control of their environment.
This basic filtering request has come up in the Javaspaces realm too. There are a wide diversity of potential needs for matching/discovering/filtering in the real world. There needs to be some more flexibility in matching. One of the problems is that matching in the server to control returned results is going to be limited because of the desires to keep user supplied code out of the lookup service to manage integrity and reliability issues. The current ServiceTemplate provides exact matching using simple equals() comparisons.
I'd like to extend this ability to include some more explicit control over the results of matching to better control bandwidth based performance. It would be nice to get 1 result efficiently (getting access to a single well known service), but not be burdened by the API when 100 results (all services that provide a serviceUI) would make sense as well.
|Gregg Wonderly graduated from Oklahoma State University in 1988 with an MS in COMSCI. His areas of concentration include Operating Systems and Languages. His first job was at the AT&T Bell Labs facilities in Naperville IL working on software retrofit for the 5ESS switch. He designed a procedure control language in the era of the development of Java with similar motivations that the Oak and then Java language development was driven by. Language design is still at the top of his list, but his focus tends to be on application languges layered on top of programming languages such as Java. Some just consider this API design, but there really is more to it! Gregg now works for Cyte Technologies Inc., where he does software engineering and design related to distributed systems in highly available environments.|


Welcome to a special Untombed ‘Online Event’ with Christian, symphonic-metal band, Promise Land!
Select your preferred Player to listen:
– Online Player (will open Tune-In website)
– Windows Media Player
– RealOne Player
– WinAmp Player
– QuickTime Player
During the Event a LIVE CHAT ROOM will appear on the bottom of the website. Simply Click on the EVENT CHAT ROOM box to join in.
Please consider helping Untombed continue to bring these great events to you with a One Dollar Donation.
-Tonight [June 26th] starting at 8pm EST, Promise Land will be hanging out with us during the airing of Metal Pulse Radio.
-LIVE Chat with Promise Land members. (Come early to claim your spot.. space is limited)
-A Metal Pulse Radio Interview with Promise Land
-DEBUT: 3 new Promise Land songs from their highly anticipated upcoming release ‘Harmony In Ruins’.
-Immediately following the event, the new Promise Land website will open to the public and Pre-Orders for the new album will be available at: www.PromiseLandX.com
Taking the Head of Goliath : ST Reviewed by: Eric Strother One of the most anticipated albums of 2018 for death metal fans has been the debut from Taking the Head of Goliath. I think it is safe to say your patience has been amply rewarded by this album. This is one of
Dreaded Dale: Wayward EP Reviewed by: Tom Metcalf Roaring out of the Southlands Dreaded Dale is an American Southern-core band, which formed March 24, 2018. Mixing faith with metal, Dreaded Dale has set out to bring Christ to a generation that has all but given up on
Grave Robber: Escaping the Grave Reviewed by: Eric Strother Grave Robber is Escaping the Grave after seven years. Well, there was the Straight to Hell EP back in 2014, but this is their first full-length album since 2011’s incredible You’re All Gonna Die. There’
Hand of Fire: Nuclear Sunrise Reviewed by: Eric Strother Hand of Fire’s debut album, Nuclear Sunrise, is the album fans of old school Bay Area thrash are looking for. Crunching guitars, aggressive vocals, thunderous and driving drums, and a solid bassline are the be


A Utah man said he planned to "kill the president" after police pulled over his vehicle last month and found six guns and ammunition inside, according to a complaint unsealed this week.
Police in Price stopped the vehicle driven by William Scott Wheeler, 56, on Aug. 25 because the headlights were obscured with a blanket, the Salt Lake Tribune reported. Price is about 120 miles southeast of Salt Lake City.
The officer allegedly found a shotgun, two pistols, a revolver, two long guns and ammunition in the back of the truck, according to the complaint.
When prodded about why he needed the weapons, Wheeler was reportedly silent, the Tribune reported. Later, Wheeler reportedly told the officer he suspected the Secret Service was after him because he had supposedly sent “messages” to the White House.
“They need to fix the problem, or I’m going to fix the problem,” Wheeler allegedly told the officer, according to an affidavit written by U.S. Secret Service Agent Marina Thomas that was obtained by Salt Lake City’s FOX 13.
When the officer determined Wheeler had been drinking and was in no condition to drive, Wheeler allegedly told the officer, “I think I’m going to kill the president,” according to court documents.
He was charged with possession of a firearm and ammunition by a restricted person on account of having bought the firearms outside Utah and bringing them into the state, the Tribune reported.
Wheeler appeared in U.S. District Court on Wednesday and was ordered detained, FOX 13 reported.
According to records, cited by the Tribune, Wheeler was being held at the Tooele County Jail. He faces a maximum sentence of 10 years in prison if convicted. Wheeler has two prior felony convictions: one for vehicle theft in 1984, and another for theft in 1989, the Tribune reported.


New Jersey on Saturday reported 2,372 confirmed positive COVID-19 tests and eight new confirmed deaths as the total number of deaths statewide rose to more than 34,000.
The state’s seven-day average for confirmed cases was 2,075 on Saturday, down 6% from a week ago and 47% down from a month ago.
The nationwide positivity rate for tests conducted last Sunday, the most recent day with available data, was 14.61%. The federal Centers for Disease Control and Prevention considers positivity rates above 10% to be “high.”
The nationwide transfer rate has hovered around 0.80 for the past few days. A transmission rate below 1 is an indication that the outbreak is declining, as each new case results in less than one additional new case.
As of Friday night, 723 patients with confirmed or suspected coronavirus cases were reported at the state’s 71 hospitals. Hospital admissions remain significantly lower than their peak of 6,089 on Jan. 10 during the Omicron wave.
Of those who were hospitalized, 108 were in intensive care and 30 on ventilators. At least 157 people were laid off in the 24 hours to Friday, according to the latest government data.
The US Centers for Disease Control and Prevention now lists four counties in New Jersey with “high” transmission rates – Atlantic, Cape May, Monmouth and Morris. According to the CDC, people in high-risk areas are advised to wear a mask in public and on indoor public transportation and keep up to date on vaccinations.
There are 13 counties in the medium risk category: Bergen, Burlington, Camden, Essex, Gloucester, Hudson, Mercer, Middlesex, Ocean, Passaic, Salem, Somerset and Sussex. Masks are not recommended in medium and low risk regions.
Cumberland, Hunterdon, Union and Warren are classified as low risk.
New Jersey has reported a total of 2,117,411 confirmed COVID-19 cases in the more than two years since the state reported its first known case on March 4, 2020.
The Garden State has also registered about 356,546 positives Antigen or rapid tests considered probable cases. And there are numerous cases that have likely never been counted, including positive at-home tests that aren’t included in the state’s numbers.
The state of 9.2 million people has reported 34,002 COVID-19 deaths — 30,915 confirmed deaths and 3,087 probable.
New Jersey has the eighth-most coronavirus deaths per capita in the US — behind Mississippi, Arizona, Oklahoma, Alabama, West Virginia, Tennessee and Arkansas — according to the latest data reported Monday. Last summer, the state had the most deaths per capita in the country.
The latest numbers follow a large study that found even a mild case of COVID-19 can significantly affect the brain. Long COVID — the term commonly used to describe symptoms attributed to the virus long after a person has stopped testing positive — has been shown to affect between 10% and 30% of those who contract the infection, regardless of whether they have a light or heavy case.
In New Jersey, that would mean about 600,000 of the more than 2 million who have tested positive for COVID since the pandemic began either have or have had COVID for a long time.
More than 6.94 million people living, working or studying in New Jersey have received their first series of vaccines, and more than 7.8 million have received a first dose since immunizations began here on December 15, 2020.
More than 3.98 million people in the state who are eligible for boosters have received one. That number could rise after the FDA approved booster shots for healthy children between the ages of 5 and 11. US regulators have approved the booster vaccine for children in hopes that an extra dose of vaccine will improve their protection as infections continue to spread.
At least 9,215 of the state’s COVID-19 deaths have been among residents and employees of nursing homes and other long-term care facilities, according to state data.
There have been active outbreaks in 353 facilities, resulting in 4,492 current cases in residents and 4,244 cases in staff, according to the latest data.
As of this weekend, more than 543 million COVID-19 cases have been reported worldwide and more than 6.3 million people have died from the virus, according to Johns Hopkins University.
The US has reported the most cases (more than 86.9 million) and deaths (at least 1,015,798) of any nation.
More than 11.6 billion vaccine doses have been administered worldwide.
Our journalism needs your support. Please subscribe today NJ.com.
Brianna Kudisch can be reached at [email protected].


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Former UConn star and NBA player Donyell Marshall is joining the coach staff at Rider University according to the Star Ledger.
Marshall got to know Rider’s head coach Kevin Baggett, who was recruiting Marshall’s son Marquis Marshall of Berks Catholic (Pa.)
“I got to know Kevin and Mike (assistant coach Witcoskie) when they were recruiting my son,” Marshall said of Marquis, who signed with Towson and redshirted his freshman year. “Mike and I stayed in touch, and when he told me there was an opening on the staff, I asked him to talk to Kevin for me.”
Marshall says he always knew it would be coaching or a TV job.
“When I was playing, I thought I would either go into coaching or TV when I was finished,” Marshall, who did the Sixers games on Comcast for a year, said. “I did the TV thing, and I liked it, but when I wasn’t doing games, I was kind of bored.”


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How to know when you can depend on 'fair use'
· Updated May 3, 2021 · By Patricia Aufderheide and Peter Jaszi · 7.1 minutes to read
Podcasters run into copyright questions every day, as makers of media that frequently refers to today’s or yesterday’s culture. And as copyright monopolies now stretch, in most nations, to about 70 years after the death of the author, that means almost all of living and even recently-dead culture is copyrighted.
That means yesterday’s cultural creators have a death-grip on any future expression — a right of private censorship.
Copyright law in most parts of the world has provisions for the creator who isn’t simply lifting the work for its original purpose, but instead is re-using it to say something new and different. The biggest of those formal exceptions is variously called “fair use” or “fair dealing,” and sometimes “right of quotation” is a useful exception too.
But can podcasters really use these exceptions safely? Well, they face a lot of naysayers, including the editor of Podnews, who warns podcasters everywhere never ever ever to use music without licensing it.
As copyright scholars, we respectfully disagree with this blanket rule, and suggest that today’s reality differs dramatically. In fact, podcasters are employing fair use or fair dealing every day, including with music but also with the many other copyrighted works that occupy the cultural landscape. This includes interviews (your interviewees may own their own statements, even if you record them), background sounds (that loud car radio, those protesters’ chants), ring tones, news reports, text documents (including a lot of government documents, particularly from local and regional governments), home movies and tapes, and so much more. They may not even know they are employing a copyright exception as they do it.
And they’re not getting sued for that use, either.
Of course, many podcasters are “little guys,” who don’t want to risk even the possibility of a lawsuit. But how risky is putting copyrighted work to use for a new purpose without licensing it? In the US — which is the jurisdiction where lawsuits are most likely — not risky at all, if you understand and use the courts’ interpretive logic, which has become pretty dependable.
What is “transformative”?
US law deciding fair use, which Canadian law largely echoes, is now grounded in “transformative” logic. That is, if your use is for a different purpose than the market purpose of the original--for instance, you are illustrating a point, or you are comparing different compression algorithms on the same piece of music, or you are doing criticism, or you are making a sound collage--and the amount or nature of your use is appropriate to that new purpose, your use is fair. That goes for all kinds of media (yes, even music), and on all kinds of platforms (yes, the Internet). Such use does not hurt the copyright owner’s market, it encourages the creation of new culture, it permits access to existing culture in order to make new culture.
As a quick-and-dirty measure, ask yourself: Would someone listening to this copyrighted material on my podcast be able to say, “Oh good, now I don’t have to buy that; this is the same thing, only for free”? If they could, definitely get a license. Also, if you are using music as soundtrack or decoration, licensing is probably in the cards, since licensing for soundtrack uses is a common use of copyrighted music. The same logic applies to stock photos and sound effects, which are created to be used in all kinds of situations.
But uses that would include (but not be limited to) illustrating, demonstrating, critiquing, comparing, and proving a point, when the uses are in an amount limited to that use, would merit consideration of your nation’s copyright exception.
Together and with other colleagues, we have worked for 15 years with creatives of all kinds in the US to clarify what their fair use rights are. And by the way, we used the word “right” on purpose. Pace James Cridland, it is a right, not a mere defense. While the way it becomes a right is as a defense, this is because one only need assert it if one is challenged. It is a right the way the right of self-defense is. This is settled law, not our opinion.
Of particular interest to podcasters may be the most venerable code of best practices in fair use, the one created by documentary filmmakers. This code is now used both by doc and fiction filmmakers, and it was instrumental in persuading a long-resistant errors-and-omissions insurance industry to insure for fair uses. These days, fair uses in documentary films are typically insured for errors and omissions, including copyright violations, without any surcharge. The situations in which documentary filmmakers would apply fair use is very similar to podcasters’ most common situations. But if you want to see how other creative communities, including journalists, makers of Open CourseWare (also available worldwide), media literacy teachers, librarians, artists and art historians, and nonfiction authors regard as best practices in fair use, you can do that too. The same logic applies to them all.
But my podcast goes out to the world!
But what if you’re not in the US? Well, then you’ll be paying attention to your national law on exceptions. International law has not been definitively made on how a person working in a worldwide platform like the Internet should reason on use of their national exceptions. Podcasters need to be most concerned about the laws of the countries where they operate, or to which their programming is specifically directed, or possibly from which they drew a disproportionate amount of source material. We wish we could tell you the answer, but law has not yet caught up with practice.
We can tell you from experience of creators so far, that it’s doubtful that you could could or would be held liable for copyright infringement in some random country where the podcast was simply downloaded.
Still nervous? We understand. If so, you can always seek errors and omissions insurance, which is usually quite reasonable. The relatively low prices, of course, reflect, as insurance prices will, the insurers’ belief that risk is low too.
Making you afraid of your rights
The simple realities about exceptions have been treated by collecting societies and large music labels as existential threats to their existence. In their efforts to stop unlicensed digital use of entire works for their original purpose, copyright exceptions have become an innocent-bystander victim. Fair use and fair dealing have nothing to do with “piracy,” since they are authorized, limited uses of unlicensed copyrighted material for a new purpose. They do not impinge, by definition, on the rights of monopoly holders of copyright.
What makes us sad, and sometimes angry, is that creators, who are just as smart and capable of understanding the law as any music executive, are routinely lied to in the name of defending creative rights, and often never hear anything but the copyright industries’ side. But what executives are defending is not creators’ creative rights, but a business model of companies that seek rent from collecting copyrights, often without even doing the work of developing algorithms that work.
It is absolutely true that algorithmic detection of online content on Internet platforms poses a grave challenge to fair use and fair dealing. But not because it detects a violation. Companies have never been asked seriously to take into consideration fair use or fair dealing when they detect a match. Many classical musicians can tell you the cost to their businesses of having music companies file takedown notices on them for works in the public domain, because algorithms can’t detect the difference between their own musicians’ copyrighted performances and the guy who played Meditation from Thaïs for someone’s funeral and is posting it as a work sample.
It is possible in most cases to challenge a takedown, and to invoke fair use or fair dealing when doing so. But to do that, you’d have to know about what your rights are, and creators are routinely misinformed about them. They also don’t know what the real risks are.
Risk and danger
In the US there is no history of any copyright industry entity suing an Internet platform user for copyright violations. The sole lawsuit was brought by a copyright user, and she brought it against Universal for intimidating her with a takedown notice for a clear fair use. More than a decade later the lawsuit is still in process, but she has received an interim judgment telling Universal that it must provide more justification than it did, if it suspects infringement. However, enforcement has not followed; neither Universal nor other media companies are paying a penalty for forcing takedowns of perfectly legal work. RIAA lawsuits were long ago leveled against consumers illegally uploading music, an entirely different category than podcasters. RIAA gave it up, though, because the lawsuits created so much negative publicity. So there’s no history of media companies suing creators here. But there is plenty of intimidation.
Moving copyright enforcement to private actors who pay no price for sweeping the innocent in with the guilty is a danger to all creators. It poses a grave threat to the viability of exceptions, which keep copyright in the US from being unconstitutional, and in other places provide the breathing room that keeps copyright law from facing fundamental reform challenges.
Creators themselves are an important source of pushback on this trend—if they know their rights, and if they assert them. It is wise to consider the laws of your country in doing this work, but it is dangerous to surrender your rights to quote your own culture in situations where it is entirely legally appropriate.
|Patricia Aufderheide is University Professor of Communication Studies at American University. Peter Jaszi is Professor Emeritus of the Washington College of Law at American University. They are coauthors of Reclaiming Fair Use: How to Put Balance Back in Copyright 2d ed (University of Chicago Press, 2018). Images: Wendy Seltzer (Aufderheide), Program on Information Justice and Intellectual Property (Jaszi).|


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NEWSREADER:The Federal Opposition says it will support any bid to help legalise the medicinal use of cannabis.
In a statement released this evening, Labor said it will ensure patients suffering from a terminal or other serious illness will be allowed access to safe, reliable and legal medicinal cannabis if it gets into power.
Doctors say the drug could be used to ease the pain of patients undergoing chemotherapy, as well as those living with multiple sclerosis.
Joining me from Alice Springs is Stephen Jones, the Shadow Assistant Minister for Health. You are confirming a change in Labor policy this evening?
JONES: That's right, today Labor announced that a Shorten Labor Government would put in place a truly national scheme to make medicinal cannabis available and it shouldn't be a matter of whether you live in NSW or Victoria or somewhere else in Australia, if you're suffering from a terminal illness, or if your child has drug-resistant epilepsy, suffering from life-threatening fits, then you should have available to you, through medical advice and appropriate channels, medicinal cannabis.
NEWSREADER: Why are you announcing it now, and why aren't you prepared to leave this up to the states which administer health?
JONES: With NSW and Victoria acting, its no longer tenable for the Commonwealth to leave this alone. We have responsibility for therapeutic goods in this country, but weve got a couple of problems. In NSW and Victoria when the schemes are introduced, it will be legal to possess medicinal cannabis and legal for you to use medicinal cannabis for a prescribed purpose, but it's not legal for to you grow it, not legal for you to buy it, and not legal for you to sell it, meaning you've got no lawful means of gaining access to a quality product. That's where the Commonwealth has to come in. We need to put in place, by working with the states and territories, uniform criminal laws to exempt people from the fear of prosecution if they've got legitimate access to medicinal cannabis for an approved purpose, but we also need to sort out supply and only the Commonwealth can do that.
NEWSREADER: But surely this is a state issue, because you talk about equity of access, but patients are often left at the mercy of the state in which they live. The states are able to deal with this?
JONES: If only it was as simple as that, but under our Constitution and under the treaty arrangements we have with a range of other countries, the Commonwealth has significant responsibilities. For example, if the Victorian Government wants to go ahead with its plans to grow medicinal cannabis to provide to its citizens as a part of the scheme that it announced, it has to get a licensing arrangement from the Commonwealth Government which begs the question why should we just put that arrangement in place for Victoria? Why shouldn't we have that arrangement all other states around the country? Because as I said, it shouldn't be an accident of what State you live in as to whether you can get access to pain-relieving or in some instances life-saving medicine.
NEWSREADER: How much do you expect that this policy will cost to implement?
JONES: Look, there will be a cost associated with it, but we think, as a result of the licensing arrangements that we've put in place that most of the cost would be borne by licensing arrangements and a fee-for-service arrangement, so I don't expect this to have any significant cost to the Commonwealth over the Forward Estimates.
NEWSREADER: Finally, you did mention children earlier. Just confirming that Labor would support extending this policy to children with a terminal or serious illness?
JONES: Well, if you have a look at what was announced by Dan Andrews last week in Victoria, he said that as a priority, he wanted to ensure that there was a scheme available for children who were suffering from a form of epilepsy which has with it life-threatening seizures that are resistant to drugs, the existing drugs that, and where existing evidence shows that they are responsive to medicinal cannabis. We want to ensure that they have a safe, reliable, consistent and legal access to medicinal cannabis, not just in Victoria, but right around the country.
NEWSREADER: Stephen Jones, thanks for speaking with us tonight.
JONES: Great to be with you.


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I want to see a change in healthcare because I care about health equity-just because you have a serious mental illness shouldn’t mean you are not able to access the same high quality cancer care available to the rest of the community
I care about cancer and mental illness because too often people with mental illness and serious medical comorbidities are seen through the lens of their psychiatric diagnosis and NOT as people first. Having worked with adults with serious mental illnesses for almost 10 years now, I think it is time to add my voice to the call to ditch the unfounded excuse that people with mental illnesses cannot commit to the often-extensive cancer treatments. I know and have worked with warriors who have beaten all odds and fought cancer with everything within them to the last moment. So, to the skeptics, I say everyone has the right to be scared and everyone has the right to be supported in the face of their fears
The stigma of mental illness can influence how our patients engage with healthcare systems. Many have experienced significant trauma and can often be retraumatized in these settings. CCCEP provides the necessary supports and works with our patients to ensure that they can engage in treatment
I care about cancer and mental illness, because they have both touched my life in many ways
I want to become a clinical researcher to improve health outcomes for people with mental illness, because everyone deserves access to high-quality care
I want you to know that dual health services for clients with Mental illness and cancer are greatly needed. I care about cancer and mental illness because it affects people I love and care deeply about. I want to see change in healthcare because it will be greatly beneficial to the population I serve in a residential group home setting.
I care about cancer and mental illness because we want to promote the best care for all patients and be aware of the patients who are the most vulnerable. I think it is important to be aware of and attend to patients’ mental health needs
To ensure Mental Health is never a barrier to cancer care:
I want you to know that my patient with the severe psychosis successfully completed one of the most challenging head and neck cancer treatment thanks to dedicated team of the Collaborative Care and Community Engagement Program.
My experience with individuals who have a pre-existing mental health diagnosis, who then get diagnosed with cancer is that they generally do not receive information in a manner they understand. They’re often scared to ask their physicians questions; the collaborative has worked to change that. Seeing the benefit, it had to one of the individuals at North Suffolk, gives me hope that we can make a big change in HCP’s willingness to collaborate with all care providers, and teach those we provide services to about their conditions at a level they understand.
It takes a Village…. Working together as a team is essential in Oncology and Mental Health
Even the mental health being in the spotlight in the recent years, people who carry a diagnosis are treated differently and don't always receive the same quality of care. I wish more providers would see the person first instead of the diagnosis.
It doesn't matter whether you are a physician. Your health is in danger. You have to be open-minded. Know that help is there. Get in touch with people, other patients, who have experience. That have me hope.
If you are able to be a multiplier effect in chnaging the life of a mental health individual, to me its the most rewarding one.
With my schizoaffective disorder and my brain cancer, I sometimes feel like an egg. At times it is easy to break me, shatter and splatter me, my fragile lack of self splaying about the room. Other times you can scramble or fry my thought pieces. Still there are times when I am hard boiled and you cannot easily penetrate the hard-earned walls that are me
Caregiving as well as having had cancer and depression myself brought me to the Collaborative. I believe the integration of medical and psychological treatment will greatly improve outcomes for people who have experienced mental health conditions and cancer diagnoses, and their caregivers.
I want you to know that people with mental illness recover from cancer!
This is the wall of the department of mental heath's Erich Lindermann Mental health center. It is ugly and beautiful, it is full of broken parts and creates a containing whole. I see the same broken beauty in myself, my colleagues, and the people for whom we care. i hope the larger community and health care system ca practice seeing the complicated whole of each person.
It was hard, I didn't want to accept that u had cancer when my doctor first told me. I got really depressed. i was scared. but with the help of people who cared about me and you. I finished. I want to be here for my daughters, so i'm very thankful and i feel good.
The stigma of mental illness isolates us from the world and the people around us (even from our doctors) and makes it difficult for people with SMI to get the equal healthcare we deserve.
want you to know / I care about cancer and mental illness because…
I bridge that space between provider and recipient of mental health services and cancer care. With an awesome treatment team, and drawing on a strength from somewhere deep inside, I’ve been able to not only survive but, using my experience, guide others in my books, blogs and clinical work. I do not allow mental illness to stop me nor define me.

domain: medical


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'LanKon' - Easter Lily (Japan) x L. lankongense (China)
Flower Description: ‘Lankon’ is difficult to describe properly because it is the first of its kind to be offered to the garden market; bred from the Japanese species L. longiflorum (Easter Lily) and the Chinese species L. lankongense found in the alpine areas of the Yunnan Province.
Shown to the public for the first time at the prestigious Chelsea Flower Show in London in the spring of 2011, ‘Lankon’ scored as one of the most popular exhibits at that show. While L. lankongense has been bred successfully in the past with other Asiatic hybrids and Asiatic classification type species, this is a first with the Easter Lily and was made possible through embryo rescue under laboratory conditions. This is a process were the little seed embryo is removed from the seed capsule itself and then is grown on in a test tube agar solution as the seed does not contain enough endosperm (Think: popcorn, which is the endosperm that expands when “popped”.) to nourish the emerging embryo to the cotyledon (first leaf) stage.
‘LanKon’ exhibits exquisitely the best of both parents assuring its place in the garden. Having a beautiful, lingering fragrance reminiscent of “Daddy” (L. lankongense) and the stamina and heavy stems of her Easter Lily “Mama”, you can expect late June /early July bloom and height of about 3 to 4 feet normally. Established “older” bulbs have a potential under favorable conditions to be as much as 5 feet tall. You can easily see the contributions of both parents within the shape and coloration of the flowers; the wide flaring bells of the Easter Lily and the heavily spotted pattern of L. lankongense. Both species prefer a loose friable acidic soil with some humus, but they have also shown tolerance to lime.
Our bulbs this spring are coming directly from the grower and those this fall will be harvested out of our Oregon field. Though we have had a great deal of experience with hybrids of L. lankongense bred to Asiatics and with L. longiflorum (Easter Lilies) bred to Asiatics, we have little long term experience with this lily itself, but based on experience with the parents we can make some safe assumptions about hardiness. We have classified this as easily grown in Zone 5 and up but suspect it will handle a zone 3 as well. We do recommend though, until more is known about this hybrid, colder than Zone 5 should be mulched after the ground freezes. If in the Midwest – since you already need to mulch all but Asiatic lilies for the winter, plant these bulbs nearby and mulch them as well – just to be on the safe side.
Our photo inset is a close up of a photo taken of L. lankongense here on the farm from a few years back. L. lankongense was the pollen parent or "daddy" of 'LanKon'.
Save $4.00 on package of 6 bulbs.
Bulb Size - Our standard for bulbs of this Easter x L. lankongense Hybrid Lily Bulb cultivar will range from Premium-size» (16/18 cm) to Exhibition-size» (over 20 cm)though our initial spring 2012 offering will be made up entirely of size 16/18 bulbs as supplied from the grower. Click here for details.
Classification: Longiforum-Asiatic Hybrid Lily Bulb (USDA Zones 5-10, winter mulch recommended in the colder climates)
Stock #L8227 - 'Lankon' - Easter Lily x L. lankongense Hybrid Lily Bulb
Welcome to B&D Lilies First in Garden Lilies™ since 1978. (This site was updated on
Thursday, May 2, 2013)
Read our new B&D Lilies Garden BLOG! Learn about creating deer "booby-traps", dealing with family pets in the garden, emergency transplanting and other timely tips. "LIKE" us on our new Facebook page and stay updated. (New windows will open so you do not lose your place on our website.)

domain: hobby


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The third entry in Stallone's Rocky series. A pretty basic sports/boxing flick, brought down by Stallone's bland direction and ridiculous performance. He does a pretty decent job when he's in the ring, but whenever he has to deliver his dialogue it becomes a complete fluke. Even a parody wouldn't be this silly.
The plot is as predictable as you'd expect it to be, but at least Stallone's adversaries are pretty fun this time around. Hulk Hogan is given a little screen time and is allowed to show some of his signature wrestling tricks, but it's Mr T. who gets to play the ultimate bad guy. A real nasty piece of work and a fine opponent for Stallone.
The drama is painful to watch, the training sessions aren't much fun either (mostly because Stallone is pretty down) and the pacing is a little off. The boxing matches are pretty decent, but that's just two scenes really. All the rest is padding of questionable repute. It's really hard to see why this series ever became so popular.

domain: artistic


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Drive around Hollywood and you’ll find plenty of homes with claims that some starlet or leading man graced the doorstep and laid their head down on a pillow for a night. But in Turlock the pickings for such claim to fames are pretty slim, unless it happens to be on Sierra Street.
There at the corner of Sierra and Shasta streets nestled in among the lofty Sycamores and the sweet smelling camellias, sits a five bedroom that was once the home-away-from-home for Hollywood star Hedy Lamarr.
The Garrison Colonial, which is currently up for sale, was built in 1941 by L.W. Boies, the founder of Boies Pharmacy. His son, Lewis W. Boies Jr. married Lamarr in 1963, causing quite the sensation in Turlock.
Once dubbed “the most beautiful woman in Europe,” Lamarr was a much-sought after actress from the 1930s through the 50s. Lamarr was born in Austria in 1914, and started her acting career at age 17 in a German film. She continued starring in German and Czechoslavakian films until 1932, when she was brought to Hollywood and signed a contract with MGM.
She went on to star in dozens of films, including “Boom Town,” “Tortilla Flat,” “Ziegfeld Girl,” “White Cargo,” “Samson and Delilah,” and “My Favorite Spy.” She worked with the likes of Jimmy Stewart, Spencer Tracy, Clark Gable, and Bob Hope.
In addition to her acting career she was a mathematician and co-invented with composer George Antheil a technique for spreading spectrum communications and frequency hopping that was necessary for wireless communications.
Lamarr was married a total of six times and had three children. Boies was an attorney in Beverly Hills and the two met when he served as her divorce attorney. They wed in 1963 and during that time made regular visits to Turlock and stayed at the Sierra residence.
“It was a big deal back then,” said Realtor Llyod Blackman. “Kind of like living next to the Kaepernicks now.”
The marriage came to an end in 1965, and Lamarr sightings in Turlock came to an official end. She died in 2000.
The interior of the house has been well-maintained and includes several of the original detailing like glass doorknobs, wood paneled doors, and the hardwood flooring that Lamarr once stood upon.

domain: celebrity


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Zero body work modifications or drilling needed.


Barnaby Joyce remains an advocate of moving on from the pandemic after testing positive to COVID-19 in the US
The Deputy Prime Minister, who spoke to Sky News Australia while in self-isolation, said "the world’s got to move on" from the pandemic after testing positive to COVID-19 in the United States.
Deputy Prime Minister Barnaby Joyce says his opinion on needing to reopen and live with COVID-19 has not changed after contracting the virus while on an overseas trip to meet with dignitaries.
Mr Joyce issued a statement to Twitter on Thursday morning (AEDT) confirming he tested positive in Washington DC after “experiencing mild symptoms”.
The Nationals leader, who believes he caught the virus in the United Kingdom, told Sky News Australia host Laura Jayes he remains an advocate of moving on with life – despite his diagnosis.
“We can’t just shut the whole place down, the world’s got to move on,” he said on Thursday morning, just one hour after he confirmed his positive test result in the statement.
“It’s not economically possible for us, any nation, to go into permanent shutdown. You’ll go broke.”
Mr Joyce said to pay for social security, health and schools “the economy has got to be making money”.
“You can’t make any money if everybody’s at home,” he said.
“We’ve got to work out how we keep people out of hospitals – that’s terribly important – we’ve got to make sure people get vaccinated – that’s very important – and we’ve got to work out the best way to try and manage and move on and get our lives back to as normal as we possibly can.”
His dream is that someday in the future COVID-19 will be treated like the flu.
Jayes pressed further, asking the Deputy Prime Minister whether his diagnosis had changed his perspective on reopening Australia to the world and living with coronavirus.
“Not yet, I’m not dying here Laura,” he said.
“I’m feeling like I have a slightly mild flu, so it hasn’t really changed my perspective.”
Mr Joyce, who is fully vaccinated against COVID-19, said his first symptom was tiredness.
“And then I started to get a couple pains in my legs and I thought ‘better get tested’,” he said.
He expects his symptoms “are just starting” but he doesn’t “feel that bad”.
Mr Joyce arrived in the US on Tuesday night and tested positive on Wednesday (local time), which leads him to believe he picked up the virus in the UK.
“In the UK I must admit it’s crowded Christmas shopping, you wouldn’t know there is a pandemic on,” he said.
“People are just shoulder-to-shoulder so there are a heap of areas you could possibly get it.”
He does not know which variant he contracted.
Iâve been in touch with Barnaby this morning, he let me know he tested positive for COVID-19.— David Littleproud MP (@D_LittleproudMP) December 8, 2021
Heâs isolating in the US until itâs safe for him to come home and we wish him all the best for his recovery.
The Deputy Prime Minister was due to return home in about four or five days but is now required to stay in self-isolation until he returns a negative test result.
“I’d be a lot better if I wasn’t looking forward to being in isolation for the next 10 days but that’s the way it goes,” he said.
“If I could just work out which one of these channels has the cricket on I’m going to be so much better off.”
The remaining members of Mr Joyce’s delegation have tested negative.


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There are times when I need to let go, to let my mind go and experiment with new materials and techniques but I always have to put a touch of my figurative.
There is always that question there: What does it mean to be an artist today?
For me it is conveying beauty in dark times but also making the viewer reflect beyond emotion, there is always the thought behind my works.
Already the thought … that unique and above-the-part characteristic, intrinsic in every artistic work and which objectively (as far as possible) can allow us to enjoy its greatness regardless of our tastes and sensations.
I try to dialogue with the observer, to stimulate their thinking rather than their emotions.
The artist interprets reality, expresses a thought, contributes to forming a conscience.
True art teaches us to have our own ideas, to build a personal critical thinking.


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Content of the material
- Please update your browser
- How much mortgage can I qualify for?
- The monthly income rule
- About Chase
- Pre-Mortgage Considerations
- 1. Income
- 2. Expenses
- 3. Lifestyle
- 4. Personality
- Related Resources
- Rent Vs. Buy: Calculator, Facts And Pros And Cons Of Each
- Mortgage Preapprovals Vs. Prequalifications: Which Should You Get?
- A Guide To First-Time Home Buyer Programs, Loans And Grants
- Factors that affect how much you can borrow
- 3 ways to qualify for a larger loan
- How Lenders Decide
- What home financing basics should I understand?
- Interest rate
- Discount Points
- Origination charge
- Loan term
- Monthly mortgage payment
- Video – The components of a mortgage payment
- Borrowing power definitions
- Loan details
- The Next Step
- Why Use The Maximum Mortgage Calculator?
Please update your browser
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How much mortgage can I qualify for?
Lenders have a pre-qualification process that takes your finances (such as income and debt) into account to determine how much they are willing to lend you. Once the lender has completed a preliminary review, they generally provide a pre-qualification letter that states how much mortgage you qualify for. Get pre-qualified by a lender to confirm your affordability.
The monthly income rule
If you want to focus your search even more, take the time to think about your monthly spending. While the Consumer Financial Protection Bureau (CFPB) reports that banks will qualify mortgage amounts that are up to 43% of a borrower's monthly income, you might not want to take on that much debt.
"You want to make sure that your monthly mortgage is no more than 28% of your gross monthly income," says Reyes.
So if you bring home $5,000 per month (before taxes), your monthly mortgage payment should be no more than $1,400.
"With a general budget, you want to have 50% of your income going toward utilities, mortgage and other essentials," says Reyes. Keeping your mortgage payment under 30% of your income ensures you have plenty of room for the rest of your needs.
Chase Bank serves nearly half of U.S. households with a broad range of products. To learn more, visit the Banking Education Center. For questions or concerns, please contact Chase customer service or let us know at Chase complaints and feedback.
In addition to the lender’s criteria, consider the following issues when contemplating your ability to pay a mortgage:
Are you relying on two incomes to pay the bills? Is your job stable? Can you easily find another position that pays the same, or better, wages if you lose your current job? If meeting your monthly budget depends on every dime you earn, even a small reduction can be a disaster.
The calculation of your back-end ratio will include most of your current debt expenses, but you should consider future costs like college for your kids (if you have them) or your hobbies when you retire.
Are you willing to change your lifestyle to get the house you want? If fewer trips to the mall and a little tightening of the budget don’t bother you, applying a higher back-end ratio might work out fine. If you can’t make any adjustments or already have multiple credit card account balances—you might want to play it safe and take a more conservative approach in your house hunting.
No two people have the same personality, regardless of their income. Some people can sleep soundly at night knowing that they owe $5,000 per month for the next 30 years, while others fret over a payment half that size. The prospect of refinancing the house to afford payments on a new car would drive some people crazy while not worrying others at all.
Viewing 1 – 3 of 3
Rent Vs. Buy: Calculator, Facts And Pros And Cons Of Each Home Buying – 6-minute read Miranda Crace – July 05, 2022 Use our rent vs. buy calculator and weigh the pros and cons of each to decide which is the right choice for you. Read More
Mortgage Preapprovals Vs. Prequalifications: Which Should You Get? Home Buying – 5-minute read Victoria Araj – July 29, 2022 Not sure of the difference between mortgage prequalification and preapproval? Find out everything you need to know right here. Read More
A Guide To First-Time Home Buyer Programs, Loans And Grants Home Buying – 7-minute read Victoria Araj – July 21, 2022 Looking to buy your first home? See if you qualify for these first-time home buyer programs, loan options and grants. Read More
Factors that affect how much you can borrow
These factors can influence the loan amount you’re eligible for.
- Income. Lenders want to make sure you have regular, monthly income. Having a full-time job can help you qualify for a larger loan than a freelancer, even if the freelancer makes more money on average.
- Debts. You must have enough room in your monthly budget to afford loan repayments on the amount you want to borrow, plus interest.
- Credit score. The highest loan amounts require excellent credit. You typically need a score of 760 or higher to qualify for the highest loan amount, according to experts.
- Available loan amounts. Typically, most lenders offer personal loans up to $50,000 — although you can find loans up to $100,000.
Other factors like your level of education and career can also affect the amount you’re able to qualify for, depending on the lenderr.
3 ways to qualify for a larger loan To make the most out of your loan, take the time to strengthen your application and consider these three tactics to qualify for more.Go for a longer term. Long terms reduce your monthly loan cost. But watch out — this can make your loan more expensive. Apply with a cosigner. Lenders sometimes consider your combined income with a cosigner or coborrower — especially if they’re your spouse. If your lender only considers one income, a cosigner that has a higher income can still help you qualify for more. Pay off your debts. Paying off credit card debt and student loans to lower your DTI and increase your credit score, which both help you qualify for a higher loan amount.
How Lenders Decide
Many different factors go into the mortgage lender’s decision on homebuyer affordability, but they boil down to income, debt, assets, and liabilities. A lender wants to know how much income an applicant makes, how many demands there are on that income, and the potential for both in the future—in short, anything that could jeopardize its ability to get paid back. Income, down payment, and monthly expenses are generally base qualifiers for financing, while credit history and score determine the rate of interest on the financing itself.
What home financing basics should I understand?
If you obtain home financing, you’ll repay more than the amount you borrowed because the amount you repay is determined by several factors, including the interest and loan amount. Here are some terms you should understand.
- The interest rate is the percentage of your loan amount we charge you to borrow money.
- Interest rates are based on current market conditions, your credit score, down payment, and the type of mortgage you choose. Check today’s rates.
- One point equals 1% of your mortgage amount; however, 1 point will typically reduce the interest rate by less than 1%. If you qualify, you may be able to pay one or more points to lower your interest rate. A lower interest rate means lower monthly mortgage payments.
- Points are usually tax deductible. Consult a tax advisor regarding tax deductibility. On refinances you may be able to finance points as part of your mortgage amount.
- On a mortgage, this amount includes charges (other than discount points) that all loan originators (lenders and brokers) involved will receive for originating the loan.
- The origination charge covers items including fees, document preparation, and underwriting costs, and other expenses.
- On refinances, if you qualify, you may be able to finance the origination charge as part of your loan amount.
- Your loan term is the amount of time you have to pay off your mortgage balance.
- Shorter loan terms typically mean higher monthly mortgage payments, but often have lower interest rates.
- If you pay off your mortgage balance within a shorter term, you may pay less in total interest than with a longer-term mortgage.
Remember that interest rates only tell part of the story. The cost of a mortgage is reflected by the interest rate, discount points, fees, and origination charges. This cost is known as the annual percentage rate (APR), which is typically higher than the interest rate. The APR lets you compare mortgages of the same dollar amount by considering their annual cost.
Monthly mortgage payment
Your monthly mortgage payment is typically made up of four parts:
- Principal. The part of your monthly payment that reduces the outstanding balance of your mortgage.
- Interest. The part of your monthly payment that goes toward the cost of borrowing the money.
- Taxes. The part of your monthly payment that goes toward property taxes charged by your local government. We typically collect a portion of these taxes in every mortgage payment and hold the funds in an escrow account for tax payments made on your behalf as they become due.
- Insurance. The part of your monthly payment that pays for homeowners or hazard insurance, which provides protection against losses from property damage due to wind, fire, or other risks. Like taxes, insurance costs are usually collected and paid from an escrow account.
Depending upon your property location, property type, and loan amount, you may have other monthly or annual expenses such as mortgage insurance, flood insurance, or homeowner association fees.
Video – The components of a mortgage payment
Watch this video to understand what makes up a typical mortgage payment – principal, interest, taxes, and insurance – and how they can change over the life of the loan. Check today’s rates to see our current interest rates.
Borrowing power definitions
Not sure what a term in the calculator means? These definitions might help.
- Term. How long you have to pay back your loan. This calculator asks for a loan term in years.
- Interest rate. The cost of borrowing a loan. It can be either variable or fixed, and most lenders use simple interest to determine how much you owe.
- Application type. This refers to how many people are signing for this loan. You can either select Single for solo applications or Joint if you’re applying with another person.
- Gross income. Any money you earn that you pay income taxes on, before taxes apply. This excludes untaxed income like government benefits or money you earn from renting property.
- Untaxed income. Funds you regularly receive that you don’t need to pay taxes on. For example, pensions, Social Security, disability and child support all count as untaxed income.
- Rental income. This is any amount you earn from renting an apartment, home or any other personal property, before taxes.
- Other loans. The amount of any loans in your name — like personal loans and student loans — excluding car loans.
- Car loan repayments per month. If you owe money on your car loan, this refers to your monthly loan repayment.
- Total credit card limit. The credit limit on each credit card in your name, added up.
- Number of dependents. The number of people you declare as a dependent on your taxes.
- Monthly repayments. How much you could potentially pay each month if you took out a loan of the amount you might qualify for with rates and terms you entered under Loan Details.
- Total interest payable. The amount you’d pay in interest on your loan. If you entered an APR, this is your total loan cost including interest and fees.
The Next Step
If you feel you’re ready for a mortgage, the next step is to get a loan preapproval. Preapprovals tell you how much money you can get in a home loan and can help you begin shopping for your perfect property. Create a plan of action and put it into place today if you think you need more time to improve your finances before you apply.
Why Use The Maximum Mortgage Calculator?
Once you input your monthly obligations and income, the Maximum Mortgage Calculator will calculate the maximum monthly mortgage payment (and total mortgage amount) that you can afford, based on your current financial situation. This calculator will also help to determine how different interest rates and levels of personal income can have an effect on how much of a mortgage you can afford.
A report made by a qualified person to estimate the value of a property, often used to help determine an appropriate loan limit. If you’re purchasing, the appraised value usually needs to be equal to or greater than the home’s purchase price.

domain: finance


The new ruler in Niger, Abderrahmane Tiane, wants to form an interim government that must remain in office “for no more than three years.” Prior to this, Tianyi announced on state television last night that he will hold an “inclusive national dialogue” within 30 days, in consultation with all Nigerians. Based on that, they want to draw up a new constitution, according to Tianyi. The leader of the military council stressed that decisions would be taken “without external interference.”
A few hours earlier, Tianyi had met for the first time with a delegation from the West African Community (ECOWAS) in the Nigerian capital, Niamey. The delegation also visited President Mohamed Bazoum, who was arrested by the putschists.
The day before, the Economic Community of West African States had announced that the Confederation of States was ready for military intervention if the putschists did not restore constitutional order. A target date for the mission has been set, but not publicly announced. In response, the putschists said they had developed a defense strategy with “concrete measures” with Mali and Burkina Faso. Mali and Burkina Faso, like Niger, have been under military rule since coups in their countries.
However, ECOWAS stressed that the search for a peaceful solution should remain a priority. A military operation will only be necessary if this fails. After the coup d’état in Niger on July 26, the Confederation of States demands that President Bazoum, who was overthrown and is under house arrest, be reinstated.


Classic vs. RT: The RT's "push" the trigger forward after a shot. RT is reactive trigger. Classics reset when trigger pressure is released,
people has explained it to me many times, I just cant seem to get it to stick.
I would say if im using a dallara body, ill prolly find the rail to go with it.


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I LOVED this wedding! Yesenia is such a beautiful girl and the day couldn't have been more perfect. Will and Yesenia couldn't be more suitable for one another, they just go together so well. Love them. Enjoy the photos!
Flowers: Carolyn May
Cupcakes & Cake: Pastry Arts Barrani


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'New' Irish constitution must enshrine non-violence: SDLP
SDLP leader Colum Eastwood has said that any new Irish constitution must state that violence will never again be used in an attempt to force a united Ireland.
He was speaking after Sinn Fein leader Michelle O'Neill said the constitution could be changed to protect the British identity of unionists.
"It is our view that such protection for unionism rather than being seen as generous concessions, should instead be seen as a given," he said.
"The SDLP has long proposed that the protections and institutions won for minorities in the Good Friday Agreement would need to remain to protect unionism in a new Ireland.
"That would mean Stormont would remain, giving both northern unionism and nationalism power in Belfast and in Dublin."
Mr Eastwood said proponents of unity must recognise that the messenger was as important as the message in their argument.
"The truth is that many from a unionist background will oppose Irish unity not on the basis of logic or self-interest but because one of its messenger's embodies unionism's memory of violence," he said. "That might well be an uncomfortable truth for Sinn Fein, but in their more honest moments they must know it to be real.
"Any proposed drafting of a new Irish constitution must begin with a prior commitment that violence will never, ever again be used as a political tactic to enforce unity upon this island.
"It would enshrine that those of us who wish to bring about the reunification of Ireland know - that it will only ever be worthwhile if unionism and the British identity find opportunity, comfort and belonging in it."

domain: sociology


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On this page:
What is a stem cell transplant?
A stem cell transplant is when you get a transfusion of stem cells into your blood stream. Stem cells are blood cells at their earliest stage of development that will grow into new healthy blood cells.
Why are stem cell transplants used?
Stem cell transplants are used so that you can have very high dose chemotherapy treatment. High doses of chemotherapy damage your bone marrow, where new blood cells are made. By giving you healthy stem cells after treatment, your blood can recover.
Where do the stem cells come from?
Usually the stem cells come from a donor’s blood or bone marrow. This is called and allogeneic transplant.
Sometimes healthy stem cells are removed from your body before treatment and returned to you afterwards. This is called an autologous transplant.
Who is suitable for a stem cell transplant?
Stem cell transplants may not be suitable for everyone. It depends on a number of things such as:
- Your age and general health
- Whether a suitable donor is available
- The type of cancer you have and the risk of it coming back
Where will I have a stem cell transplant?
Stem cell transplants take place in special treatment units only. You may spend up to 6 weeks in hospital. For 6-12 months after the transplant you may have to go to hospital very often for check-ups, antibiotics or blood transfusions.
How are allogeneic (donor) transplants done?
In an allogeneic transplant, a patient receives healthy stem cells taken from another person.
You and the donor will have a blood test to see if you have the same tissue type. This means finding out about a group of proteins on the surface of cells called human leukocyte antigen (HLA). If you are HLA compatible it means you and the donor have similar proteins and there is more chance that the transplant will be successful. The donor can be your brother or sister, or even a person not related to you.
Your own bone marrow is first destroyed with high doses of chemotherapy, with or without radiotherapy. Then the healthy marrow or stem cells from the donor are given to you through a central line (drip). The cells then grow over a few weeks to replace the bone marrow that was destroyed.
For more information
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UPDATE: House Democratic Leader Ron Saunders of Key West and state Sen. Arthenia Joyner \, D-Tampa, came to the defense of Monroe County Supervisor of Elections Harry Sawyer, a Republican, Tuesday urging the governor to retract his threat to remove him from office for failing to comply with the governor's early voting schedule.
Also criticizing Gov. Rick Scott was Rev. Charles McKenzie, the state coordinator of the Rainbow Push Coalition.
"Rick Scott is still attempting to circumvent the voting rights act, play political theatre and achieve the obvious purpose of the Republican agenda; suppress the black vote,'' McKenzie said. "Every move he makes is completely disingenuous, mean spirited and calculated."
Here's Saunders' statement:
“As the House Democratic Leader and the State Representative for the Florida Keys, I am proud of the work of Monroe County Supervisor of Elections Harry Sawyer, a Republican with a great deal of respect among people of all political persuasions and a long history of solid public service.
“I wholeheartedly support the position that Supervisor Sawyer has taken in recent days to achieve more early voting opportunities for residents in the Keys. I strongly urge the governor to clarify or retract any remarks that would suggest he would remove the supervisor, who is set to soon retire, for simply carrying out his constitutional duties and responsibilities to voters.”
Here's Joyners' statement:
“Republican Governor Rick Scott’s actions and implied threat to remove the Monroe County Supervisor of Elections - who he considers an obstacle to his voter suppression goals - are a slap in the face to all people who believe in free and fair elections. And he continues to govern as if the state is his very own Florida Inc., and he’s the CEO.
“Following the 2000 presidential election fiasco, Florida had made great strides to become the poster child for ensuring that every vote was counted by enacting and promoting early voting. Now, it appears Governor Scott is doing everything in his power to undermine those changes. “His actions today mark another chapter in the ongoing saga of the Republicans in America to suppress the vote of Black Americans and other minorities who they fear support the Democratic Party and Democratic candidates.
“Our hard-fought right to vote should not be used as a political football to get somebody elected to office. And it’s unconscionable that in 2012 we should be subject to such tactics that hark back to the oppressive era of Jim Crow.
“Governor Scott should be ashamed of himself. And I’m ashamed of the message he is sending the nation and the world that elected officials purporting to represent all the people – not just one insular group or ultra-conservative mindset – would stoop this low to suppress the Constitutional rights of Black Floridians and other minority citizens and their ability to cast a vote.”


Corson’s Inlet State Park was established in 1969 to help protect and preserve one of the last undeveloped tracts of land along the state’s oceanfront. The area’s natural habitats are rich in the diversity of its wildlife with primary and secondary sand dune systems, shoreline overwash, marine estuaries and upland areas in which hundreds of wildlife species live and breed. The park offers outstanding scenic beauty and endless opportunities for observing a multitude of migratory and residential wildlife species. Corson’s Inlet is extremely popular for hiking, fishing, crabbing, boating and sunbathing.
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ProPhorce™ BD makes a difference in combatting pathogens
Harmful bacteria like Clostridium spp., Salmonella spp. and pathogenic strains of enteric bacteria like E.coli can cause severe illness and even death in both swine and human hosts. Therefore dedicated antibacterials against such pathogens form an important weapon in the arsenal directed at raising standards of hygiene and swine performance.
ProPhorce™ BD antibacterials
Certain ProPhorce™ BD antibacterials are used solely to combat problems with pathogenic bacteria found along the food chain, particularly on farms. An important difference between Perstorp’s range of ProPhorce™ acidifiers (ProPhorce™ AC) and ProPhorce™ BD antibacterials is that the latter contain a blend of organic acids combined with essential oils. Although ProPhorce™ BD antibacterials are used in a similar way to our acidifiers, scientific research has shown that essential oils confer important added value through:
- having a stronger antibacterial effect due to their synergistic effect with organic acids
- being effective at high and low pH levels.
Mode of action
The inhibitory action of ProPhorce™ BD antibacterials is similar to that of ProPhorce™ acidifiers, but with the added benefit that at high pH levels the essential oils can make bacterial cell walls permeable to organic acid anions, which can carry out their destructive activity within bacterial cells.

domain: health


2019 Outstanding Community Partner Award Winner
Congratulations to the City of Bellevue, Washington
The City of Bellevue partnered with the Livable City Year program at the University of Washington as their 2018-19 community partner. The City of Bellevue, WA was nominated and awarded the 2019 Outstanding Community Partner Award. The award, which recognizes “one exemplary community partner” from among the local government partners of the EPIC-Network during any of the last five years, was presented at the 8th Annual EPIC-Network Conference (formally the Sustainable City Year Conference), held in Tampa, Florida, April 7-10, 2019.
The City of Bellevue was selected for the award for going above and beyond to insure a quality product for their participating city staff and community residents, and a quality experience for the participating UW faculty and students.
“Innovative partnerships like these extend our ability to provide high-quality services for the entire community.“
– Brad Miyake, City Manager of City of Bellevue
Since September of 2018, the city and university collaborated on projects exploring topics ranging from public/private business incubators, smart buildings, food truck permitting, and neighborhood planning, just to name a few. All of the projects advance City Council Vision priorities.
In its nomination for the city, the university cited community engagement that included dozens of residents participating in a question-and-answer session with Health Services students about neighborhood planning. The city created momentum at the beginning of the partnership through coverage on Bellevue TV, press releases, and website content. City staff also brought in countless community leaders to advise on individual projects. Also, the city took the extra of adding secondary project leads (city staff assigned to supporting a course working on one of the many projects completed during the partnership) to cover in case the primary project lead fell ill or was redirected to other city priorities.


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Table of Contents
Quick Facts of Tim Draxl
- Full NameTim Draxl
- Net Worth$5 Million
- Date of Birth08 October, 1981
- NicknameTim Draxl
- Marital Status
In a relationship
- Active Year2000-Present
- Eye colour
- Hair colour
- Height6 feet
- Weight70 kg
- Online PresenceInstagram/Twitter/Facebook
Tim Draxl is one of Australia’s most loved personalities who found showbiz success at a young age. Do you want to know him more? Grab every bit of detail about him on this page, which even includes his relationships, Partner, movies, and Networth.
Who is Tim Draxl?
Tim Draxl is a multitalented singer and actor. He started as a singer and then moved into acting. Besides actor and singer Versatile Tim Draxl is a painter.
As a singer, he recorded his first album with Sony during high school.
Moving into acting, He has appeared in a slew of television shows and films in Australia and the United States. The most prominent of which was his starring role in the popular Australian miniseries The Shark Net.
Born in 1981
Tim Draxl was born on October 8, 1981, in Sydney and grew up in Jindabyne (South-East, New South Wales).
He lived half the year in Australia and the other half in Austria because his dad is Austrian. They used to follow the winter back and forth because Draxl’s family was in the ski industry.
Tim has three older brothers who are athletes and skiers. As a kid, Tim was passionate about dancing and wanted to be a dancer.
He started ballet lessons at Berridale, a tiny town near Jindabyne. He was the only boy in the class, and he was four years old.
Draxl is openly gay.
Draxl realized he was gay when he was in his teens. Fortunately, he went to a performing arts school, where being gay was not a problem.
Draxl, who grew up in a conservative provincial town with a father who was very homophobic, had deep inhibitions about his homosexuality and preferred to remain closed for a long time after leaving school.
Many people regard Tim Draxl as a gay icon. At the very least, he admits to being influential enough to serve as a proxy mentor to young LGBTIQ individuals. He accepts the responsibility wholeheartedly, despite having difficulty coming to grips with his sexuality.
“It’s critical for me to talk about it openly and let people know that I struggled,” Draxl adds. “When you’re living it and dealing with it yourself, you lose sight of the fact that other people are going through the same thing.”
“It was also because I was basically informed that if I wanted to work in the entertainment world, I couldn’t be gay,” Draxl explains.
“I think what that did in the negative sense for me was hinder me from being who I naturally was, or who I may have evolved into if I hadn’t had to hide who I really was.”
Draxl has struggled with coming out and continues to do so. He put on a cabaret show called Love Is A Drag in 2019. During the presentation, he shared personal ideas and experiences.
“It was the first time I genuinely spoke about coming out in public in a show. It was both confronting and freeing. “I still get sad over it,” Draxl admits.
Age, Height & Instagram
Being born in 1981, Draxl is about 40 years old. His zodiac sign is Libra. He has a perfect muscular body as he has been into fitness and bodybuilding since he was 16.
40-year-old Tim stands 6 feet tall and weighs 70 kg. He is the hottest man with a muscular body, glorious brown eyes, perfectly shaved bearded, and Brown short hair.
The iconic and incredibly talented actor, singer, dancer, and artist have amassed an enormous fan base on his Instagram account. He is active as @timdraxl with 30.7k followers and 1206 posts. Likewise, you may reach him through Twitter and Facebook.
Is Tim Draxl dating?
Yes! Our hot and charming Tim is dating an incredible chef. His name is Barrittone. You may find him on Instagram as @barrittone.The pair have been together for almost three years now.
It is unclear how Tim and Barrittone met, but they are pretty upfront about their relationship posting adorable pictures. According to Tim’s Instagram, He first posted a picture with Barrittone on February 26, 2018.
He captioned a picture saying, “C h a n g I n g r o o m – and change we certainly have, in more ways than one. This is my man @barrittone, and I post another kilometer swim.
After training for a film role back in 2001, I swore I’d never swim laps again. The things you do for love, eh?”. Also hashtagging, #loveislove #kickinggoals #boyfriend #happy.
The lovey-dovey pair are so much in love. They often visit unique places together and post pictures with adorable captions expressing love for each other.
Tim Drax starts 2021 with a bang!
Versatile Tim Draxl Transitioned from acting to painting. Most people’s creativity was wholly shut down during the COVID lockdown, and things were pretty much the same for Tim Draxl. However, not for long for Tim.
Instead of performing on stage or film, he picked up a paintbrush and started painting. His first major solo art exhibition, IN BETWEEN: The Act of Painting, opened at Rex-Livingston Art + Objects in Katoomba. His first extensive solo art exhibition of the year kicked off the year.
Tim Drax, Movies & Networth
Tim’s television credits include the telemovie Molly, the critically acclaimed series Serangoon Road, Mrs. Biggs, Home & Away, Miss Fisher’s Murder Mysteries, Crownies, Day One, Tangle, Headland, Supernova, Dynasty, and The Shark Net.
Tim’s theatre credits include Mothers and Sons (Ensemble), Freeway – The Chet Baker Journey, Nailed (Griffin Theatre Company), and A Midsummer Night’s Dream (Belvoir).
His film credits are, A Few Best Men, Undocumented, Ivory, In My Sleep, Red Canyon, Right Here Right Now, Travelling Light, Swimming Upstream, and Dirty Deeds.
All thanks to his career in the entertainment industry, Tim holds an estimated Net Worth of $5 Million. He also earns a handsome amount from his breathtaking paintings.
Moreover, Tim received an ASTRA Award Nomination for Most Outstanding Performance by an Actor for Supernova and a Logie Award Nomination for Most Outstanding Actor in a Drama Series for The Shark Net.
For more content on multitalented artists, Follow ALLSTARBIO.