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Subjective Wellbeing Among Adults with Diabetes: Results from Diabetes MILES—Australia
- First Online:
- Cite this article as:
- Holmes-Truscott, E., Browne, J.L., Pouwer, F. et al. J Happiness Stud (2016) 17: 1205. doi:10.1007/s10902-_PHONE_-4
- 370 Downloads
This study examines the subjective wellbeing of Australian adults with diabetes who completed the Diabetes MILES—Australia survey, investigating by diabetes type and treatment, and by comparing with the subjective wellbeing of the general Australian adult population. In addition, the extent to which depression and socio-demographic factors account for subjective wellbeing is investigated. People with type 1 or type 2 diabetes have significantly lower subjective wellbeing compared to the general population, even after controlling for covariates (demographic and socio-economic status, diabetes duration, body mass index, number of diabetes-related complications, and depression). Furthermore, adults with type 2 diabetes using insulin to manage their condition report the lowest levels of subjective wellbeing, and are also most likely to report dissatisfaction with their current health. These findings suggest that living with diabetes, and in particular, living with type 2 diabetes and using insulin, strongly challenges the maintenance of subjective wellbeing.


Question Mark Incapacity
A person can be incapacitated short term or long term. A person can be incapacitated at any age. A person can have the ability to make some of their own decisions yet still be incapacitated. So, how does that work?
According to the dictionary, the word incapacity has many definitions. One from Webster's Dictionary is "the inability to understand information presented, appreciate the consequences of acting - or not acting on that information, and to make a choice."
The legal definition is rather different. In order to understand the legal definition, we look to the Texas Estates Code, Sections 22.016 and 1002.017.
"Incapacitated person" means:
 - (1) a minor;
 - (2) an adult who, because of a physical or mental condition, is substantially unable to:
 1. provide food, clothing, or shelter for himself or herself;
 2. care for the person's own physical health; or
 3. manage the person's own financial affairs; or
 - (3) a person who must have a Guardian appointed for the person to receive funds due the person from any governmental source.
It is very important to understand an individual may be declared medically incapacitated, but that has no legal effect. Until there is a finding of legal incapacity, a person maintains all rights and enjoys the same privileges of anyone that has capacity.
Lori Ashmore Peters
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|Castle Wall Offsets
Ben E. 30 VIII 06
This article will outline various techniques of creating offsets from castle walls.
Offsets help us create the architectural details that give character to castles.
First it is important to understand the units that each brick can be divided into.
The brick below has the height to width ratio of 6 to 5.
One plate is two units high.
Jumper Tiles: The jumper tile is the most common method of creating an offset.
This 1x2 tile has a stud centered on it's width.
It allows offsets of 2.5 units, or half of a stud.
This can be used effectively to create details such as window and door surrounds, stairs, buttresses, and parapets.
Check out the window surround instructions below.
Technic and Tiles: You may want even smaller offsets on your walls.
Using tiles rotated 90 degrees is very effective.
Tiles are 2 units thick.
They can be attached to headlight bricks or technic bricks with half pins.
Steve DeCraemer effectively used this technique at BrickFest 2005 and 2006 in his stone castles,
one of which is pictured below.
The only disadvantage of this technique is that all offsets are 5 units tall instead of 2 units found in plates.
Panels: I discovered the latest offset technique by accident this year by noticing the units of a common 1x2 panel.
The back of each panel is a 1/5 of a stud wide.
This allows us to offset details by one unit.
Instructions of my White Tower corbel's below show how panels can be stacked and locked into place by other bricks.
It creates small but very stable projections for the tower parapet.
Discussion of the tower and technique can be found in this
The final result is a creation with more depth and detail than using traditional brick methods.
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© 2006 Classic-Castle.com. Site design © Anthony Sava and Benjamin Ellermann. All rights reserved. This is an unofficial fan created LEGO website, and is not sponsored, authorized or endorsed by The LEGO Group. Visit the official LEGO website: _URL_

source: HuggingFaceFW/fineweb-edu


What Needs To Be Included In An Incident Report?
What is considered an incident report?
What are five pieces of information that should be recorded in an accident incident form?
The incident report for an accident or injury such as a fall should include the following information:Circumstances of the incident.Date, time, and location of fall, and during which shift and on what unit the fall occurred.Witnesses', staff members', and resident's accounts of the incident.More items…•
When should an accident book be filled in?
You don't need an accident book until you've reached 10 employees in the business. In an office with 10 or more people, it is required by law to have a work accident book in the building. Any information recorded in the book should be held onto, in a safe place by the business, for at least three years.
Who is responsible for filling out an accident book?
The accident book can be filled out by anyone, but it should be checked by the qualified first aider in your workplace. It's more important that the details written in the accident book are accurate, rather than who fills it out. Ideally, someone with first-hand involvement in the accident would write the record.
Do you need an accident book by law?
Confidential Concerns. It's possible that your incident report could be used in court at some point, so avoid including confidential details that should not be made public. These may include the personal health history of someone involved.
What information should be recorded in an accident book?
Details of accidents that must be recorded include: The date and time on which it occurred. The person who was injured. Any witnesses.
What is an example of an incident?
The definition of an incident is something that happens, possibly as a result of something else. An example of incident is seeing a butterfly while taking a walk. An example of incident is someone going to jail after being arrested for shoplifting. A particular occurrence, especially one of minor importance.
How do you document an incident?
How To Document An Incident Efficiently and EffectivelyAlways date the document (even an email, headings can be removed). … State the specific date, day, time, and location of the incident.In addition to stating your presence and the presence of the person(s) involved directly in the event, state the names of any and all witnesses to the incident.More items…
What are the four steps in the incident investigation process?
4-Steps to Manage Incident (Accident) Investigations Preserve and document the scene. Collect Data. Determine root causes. Implement corrective actions.


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Among other reasons contributing to deaths from stroke across the'stroke belt' states, eating fried fish may be one of them, a new study finds.
The latest findings published in the 'Neurology,' a medical journal of the American Academy of Neurology, states that people living in the'stroke belt' states consume more fried fish than those living in the other parts of the nation.
'Stroke belt' is a popular term for states of southeastern U.S., as they have a higher stroke mortality rate.
These are Alabama, Arkansas, Georgia, Indiana, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia.
Also, the researchers state that residents in the stroke buckle were 17 percent less likely to consume two or more servings of fish with fatty acids in a week, as recommended by the American Heart Association, compared to people in other parts of the state.
21675 Americans accessed
For the 'Reasons for Geographic And Racial Differences in Stroke' (REGARDS) study, a team of researchers from Emory University's School of Medicine analyzed 21675 people across the nation between January 2003 and October 2007.
The average age of the respondents was 65 years.
All the participants were interviewed over the phone and they also took an in-home physical examination.
The study subjects were questioned about how often they ate fried and non-fried fish.
Of all the participants, 21 percent were from the stroke buckle, the three south-eastern states: Georgia, North Carolina and South Carolina with extremely high stroke mortality rate, 34 percent were from rest of the stroke belt states, and 44 percent were from other states.
Fish consumption patterns explain high stroke rate?
After studying the participants for 4 years, the researchers found that Americans living in the stroke belt area were 30 percent more likely to consume two or more servings of fried fish compared to those living in other regions.
Also, the researchers stated that residents in the stroke buckle were 17 percent less likely to consume two or more servings of fish with fatty acids in a week, as recommended by the American Heart Association, compared to people in other parts of the state.
Studies done in the past have proved that consuming fish rich in omega-3 fatty acids lowers the risk of heart attack.
Further, compared to whites, African-Americans were almost three times more likely to eat fried fish in a week.
On basis of the findings, Fadi Nahab, M.D., of Emory University, and lead author of the study concluded, "These differences in fish consumption may be one of the potential reasons for the racial and geographic differences in stroke incidence and mortality."


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The effects of a cadmium exposure on poplar plants: A combined proteomic, physiological and biochemical approach to unravel stress-responses in poplar.
Doctoral thesis (2012)
The industrial revolution in the 1800s and the subsequent industrialization had the consequence of an anthropogenic release of many organic and inorganic pollutants. Among these pollutants, cadmium is... [more ▼]
The industrial revolution in the 1800s and the subsequent industrialization had the consequence of an anthropogenic release of many organic and inorganic pollutants. Among these pollutants, cadmium is very problematic due to its high toxicity. It can induce significant damage to the vegetation and an accumulation in farmland introduces the pollutant into the food chain. This creates a possible major health risk for humans. Poplar plants, as a member of the Salicaceae family, seem to possess a certain tolerance to this toxic metal and accumulate significant amount in their aerial parts, making poplar a possible candidate for phytoremedation. The metabolic and physiological impact of cadmium have been studied as well in field trials as in controlled laboratory conditions, but mostly in clearly targeted studies focusing on a few key aspects. The recent advent of more global techniques such as transcriptomics and proteomics, make it possible to obtain new results. In the thesis presented here, a proteomic study of the short-term and long-term effects of cadmium on poplar leaf and roots metabolic processes in controlled laboratory conditions was carried out. With the help of this technique, complemented with biochemical and physiological approaches and with morphological observations, it was possible to obtain results on the stress-coping mechanisms underlying an acute first response, but also on the more general adaptation mechanism which make it possible for the poplar plants to tolerate significant amounts of cadmium. Results showed a negative impact on important cell processes like photosynthesis and ATP synthesis and the antioxidant system, explaining the impaired growth. Similar results could be obtained in roots, although the stress seemed much more acute, as evidenced by the stronger accumulation of typical stress proteins (i.e. heat shock proteins). In a final set of experiments a controlled combination of two stresses (cadmium and nonlethal chilling stress; 4°C) allowed separating specific cadmium responses from a more general stress response. Cadmium had a much more severe impact on plant survival when combined with an additional constraints. In this present work, the procedures, results and conclusions obtained are presented in detail. [less ▲]Detailed reference viewed: 48 (8 ULg)
Combining proteomics and metabolite analyses to unravel cadmium stress-response in poplar leaves
Kieffer, Pol ; ; et al
in Journal of Proteome Research (2009), 8Detailed reference viewed: 95 (9 ULg)

source: openbmb/Ultra-FineWeb


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Question: What was the "Ten Pound Pom" scheme?
Answer: The "Ten Pound Pom" scheme is the colloquial name for an assisted migration scheme that operated in Australia after World War II. In spite of its name, this scheme was not limited to those from the United Kingdom but was open to citizens of all Commonwealth countries. (The word "Pom" meant English people, and was sometimes used in a derogatory manner.)
Adult migrants were charged ₤10 for their fare and children travelled for free. They were drawn by promises of employment and housing, a more relaxed lifestyle and a better climate.
"Ten Pound Poms" needed to be in sound health and under the age of 45 years. There were initially no skill restrictions, although under the "White Australia" policy those from mixed race backgrounds found it very difficult to take advantage of the scheme. At one point in 1947, more than 400,000 Brits were registered at Australia House in London for the scheme.
The aim of the scheme was to substantially increase Australia's population in response to fears of a Japanese invasion, and a new awareness of Australia's vulnerability and unrealised economic potential as an under-populated country. The "Populate or Perish" policy was developed by the Curtin Government before the end of World War II.
By late 1944 the Australian Government had begun negotiations with Britain for assisted immigration programs in the post-war years. Since all Australian political parties supported the "White Australia" policy they looked to Britain and northern European countries for immigrants in the belief that people from these countries would more easily assimilate with the Australian community. After the war, Australia gradually extended assisted passage schemes to immigrants from other countries such as the Netherlands and Italy to maintain high levels of immigration. It also welcomed refugees from war-torn Europe.
Sometimes the promises to immigrants were not realised. Many migrants faced lengthy stays in migrant hostels, failed to get ideal employment or missed their old communities. Around one quarter of the "Ten Pound Poms" left Australia within a few years of their arrival.
The year 1969 was the peak year for the scheme, with more than 80,000 people coming to Australia. In 1973, the cost of assisted passages was increased to ₤75 per family. This was still a very cheap fare, but numbers of assisted migrants from the United Kingdom dropped off significantly. Assisted passage schemes were gradually phased out in the 1980s, having profoundly influenced the ethnic and cultural makeup of the Australian population.
Thanks for your comment, Judith. The National Archives of Australia do have arrival and departure records from Victorian migrant hostels, including Altona - might these be useful for your reunion plans? As for images, there are some NAA photographs of the hostel viewable via Picture Australia. Finally, the Immigration Discovery Centre has its own folder of information about Victorian migrant hostels, sourced mainly from the web. Good luck with your research!
Hi Linda, thankyou for your comment. We have recently published a 'Your Question' article referring to a number of other Australian institutions that offer a similar service to the Tribute Garden at the Immigration Museum. I hope this is what you're after!
Hi Katherine, thanks for the interesting questions. Although we have not been able to find a definitive answer, we have sent some information to your email.
Hello, Sandra. According to the National Archives of Australia, "prior to 26 January 1949, the process of naturalisation conferred British nationality on applicants....As a consequence there are no naturalisation records for British migrants before 1949." Hope this helps! More info here.
We love receiving comments, but can't always respond.
There are many fantastic resources that you can look at for your assignment. Firstly, we have a list of links to the right of this article that will assist you.Another great place to start would be to go to your local library or visit the Discovery Centre at the Immigration Museum to view the book Ten Pound Poms: Australia's Invisible Migrants by Hammerton & Thomson. A quick search on Trove will also bring up a variety of resources referring to the ten pound poms.
Good luck with your assignment!
Hi again Hannah - we're glad to hear that your research is going well. Museum Victoria's Origins website contains lots of statistical information about migration including an overview of English migration to Victoria. Another helpful for resource for immigration statistics is the Australian Government's Department of Immigration and Citizenship's website. Good luck with your research!
Rebecca - information about migrant hostels can be difficult to come by. Nevertheless, the Encyclopedia of Melbourne has an article entitled "Migrant Hostels"; there is also an online forum for those wishing to discuss the topic in more detail. Records of the Broadmeadows Migrant Hostel itself are kept by the National Archives of Australia, with address books listed at Series Number B6518 and arrivals and departures books at B6517. You can find indexes that relate to these records via the RecordSearch tool at the NAA website. Good luck!
Hi Bruce, the National Archives of Australia holds the passenger lists for immigrant ships. You can contact them to obtain these. You might then be able to track those friends through census records or the phone book.
Australia's pre-decimal coins and banknotes underwent many changes over the years before they were replaced in 1966. See Museum Victoria's Rare Coins infosheet for images and information about Australia's pre-decimal coins. For pre-decimal banknotes have a look at the Reserve Bank of Australia's Museum of Australian Currency Notes.
Hi Susan,You can attempt to locate your friend by either searching the White Pages or contacting the Australian Electoral Commision. Good luck!
Hi Jean. It's likely that "all the paperwork" that your father completed has been kept by the National Archives of Australia. You can search for such documents using their RecordSearch tool, and request copies of certain items. Perhaps these documents will give further information about the scheme?
Hi Roger, there is a fantastic website with images and information about the various migrant hostels and camps set up in Australia. You can search for images and also add details to various forums _URL_
Amanda, there were a number of immigration sponsorship programs operating at this period, including some by private companies. Kalgoorlie Lake View Pty Ltd may have sponsored your family's migration. For confirmation of this, you will need to locate the company's own records. If your migration was sponsored by a private company, you would not be considered "ten pound poms," as such.
Migrant hostels are notorious for being scantily documented at best, Andrew, and our own expertise is with Victorian examples. Our online searching only confirmed that the "long-demolished" Elder Park hostel had fibro buildings! Might the State Library of South Australia be of assistance? This book, say.
The 10 pound scheme didn't differentiate between migrants from England and Ireland. Assistance could involve the targeting of particular skilled migrants to meet particular skills shortages identified by the Dept of Labour and National Service. Such workers would be provided with hostel or employer-supplied accommodation. Others could be personally nominated by Australian citizens offering to provide accommodation and they didn't have to meet the skills criterion (although most were skilled or semi-skilled workers anyway). Also schemes such as the big Brother Movement continued into the 1960s involving sponsored migration. But sponsorship by employer, citizen or organisation wasn't an automatic requirement. British/Irish migration was virtually unrestricted and most of those were assisted (as in passage subsidised, accommodation available).
Hi Michael – One of the most useful resources to locate living people are the electoral rolls which list all the names and addresses of registered voters within Australia. Another avenue to explore would be to also check the white pages online by conducting a surname search: Good luck with your search!
Hi there, Anonymous. The best source of information about the experience of these migrants onboard their ships is Chapter 3 of Ten Pound Poms: Australia's invisible migrants by Hammerton and Thomson. This book is available from many libraries as well as the Discovery Centre at the Immigration Museum. If you have difficult accessing a copy of this book chapter, contact us via the Ask the Experts page.
Thanks for your question, Hannah. So many people migrated to Australia under the Ten Pound Pom scheme that the group is not often considered as a category, as such, although we'd be very interested in any list of famous ones that you might unearth or create! As a starting point for your project, try this profile of Noni Hazlehurst's family available via the NAA website.
Tom, our collection of photographs does not generally extend to school photographs. For names of those who attended a certain school, you may try contacting the school directly, or else search the web for sites designed to put old friends in contact with each other.
To view passenger lists you will need to visit the Victorian Archives Centre in North Melbourne. If you are not in Melbourne, you can search for the office in your state here
There are many excellent resources that may help in your research. To the right of this article there is a list of links that should be useful. Our Origins website contains lots of statistical information about migration including an overview of English migration to Victoria. Another great resource is the book Ten Pound Poms: Australia's Invisible Migrants by Hammerton & Thomson which you can view at the Immigration Museum's Discovery Centre or at your local library. Also, search on Trove for a variety of resources referring to the Ten Pound Poms. Good luck with your essay!
Unfortunately the museum cannot suggest anything to fast track your citizen application. Here a link to the Citizenship wizard from the Department of Immigration and Citizenship which might assist you with your application.
Hello Donna, Twentieth century immigration records, including information and documentation


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IBM announced this week that it is partnering with the Industrial Development Agency (IDA) in Ireland on a new research effort to build an exascale computer
IBM also declared its intent to break the exaflop barrier, and announced that it had created a research 'collaboratory' in Dublin, in partnership with the Industrial Development Agency (IDA) of Ireland, which is focused on both achieving exascale computing and making it useful to business. An exaflop is a million trillion calculations per second, which is 1000 times faster than today's petaflop-class systems.
…This research collaboratory will enable IBM supercomputing and multidisciplinary experts to work directly with University researchers from Trinity College Dublin, Tyndall National Institute in Cork, National University of Ireland Galway, University College Cork and IRCSET, the Irish Research Council for Science, Engineering and Technology to develop computing architectures and technologies that can overcome current limitations — such as space and energy consumption — of dealing with the massive volumes of real-time data and analysis.
The technical research will explore innovative ways of using new memory architectures, interconnecting technologies and fabric structures, and will evaluate business applications that would benefit from an exascale streaming platform.
Along with this announcement they included a tidbit about their Top500 performance that caught my eye
For a record-setting tenth consecutive time, an IBM system holds the number one position in the ranking of the world's most powerful supercomputers. The IBM computer built for the "roadrunner project" at Los Alamos National Lab — the first in the world to operate at speeds faster than one quadrillion calculations per second (petaflop) — remains the world speed champion.
10 times doesn't happen by accident. That's the product of a real commitment to market leadership, good technology, and the bank roll necessary to make it happen.


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Neurophathic Hydrocephalus is a lethal genetic defect that affects Angus and Angus-influenced cattle. Calves carrying two recessive genes—resulting from the mating of two carrier animals—are born dead with an extremely large cranium with little or no brain matter or spinal cord. A large%age of mortalities relating to NH occur through embryonic or fetal loss during gestation, which causes the defect to go misdiagnosed or unnoticed.
Dr. Jon Beever at the University of Illinois and Dr. David Steffen at the University of Nebraska-Lincoln, in collaboration with the American Angus Association, have identified the gene mutation responsible for NH and a commercial test has been developed and validated. The new diagnostic test is now available through Pfizer Animal Genetics.
Also, Pfizer Animal Genetics has been approved by the American Angus Association as an NH testing laboratory. Pfizer Animal Genetics has proactively worked to expand its testing capacity in order to provide results to producers in a timely manner. Samples are being tested in the order in which they are received at the new laboratory located in Kalamazoo, Michigan.


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Homemade Musical Instruments
You will need a heavy paper plate or two thin plates pasted together; a few jingle bells, yarn, and a hole punch. Punch holes around the outer circle of the plate. Tie yarn to the bells, then securely fasten through the plate holes. Be aware of a possible choke hazard for young children, and only use with adult supervision.
Make drums from old oatmeal boxes or coffee cans. Rattles & ShakersUse old dish washing liquid bottles. Fill slightly with rice, seeds, or sand. Secure tightly. Decorate with contact paper or magazine clippings.
Attach sandpaper to two small cut 2″ x 4″s. Rub together.
Here are some pictures of handmade instruments by AIMS:
Print Free File: Handmade Instruments


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coupling and participatory sense-making, respectively. This strongly biological framework is to be distinguished from scientific psychology which is, we argue, necessarily anthropomorphic. We propose a constrained bio-enactive framework that remains true to its biological foundations and that would allow us to negotiate consensus-based understanding in contested domains, where incompatible value systems enacted by competing systems are in conflict. A consensual 'we' is, we contend, a matter of negotiation, not of fixed essence. A bio-enactive framework may serve as a jumping off point for consensus-based discussion within contested domains.
Problem: The underlying assumption of all feminist theories is that in order to achieve our emancipatory goals we have to resolve the so-called female subjectivity problem first. That is, we have to answer the question of what is (is not) the nature/essence/main feature of being a woman. The debate about where and how we should look for that essence seems to be endless and it still continues in contemporary feminist theories. This stalemate blocks the initial political and social power of the whole feminist movement. It also seems to contradict the idea that philosophy can serve practical purposes, which was a driving force behind feminist theories as such. Solution: While analyzing contemporary feminist theories we can discover that they are dualistic with respect to the cognitive situation. Using tools taken from Josef Mitterer's philosophy and the idea of emancipation developed by Bruno Latour, I want to consider the idea of avoiding stalemate situations in discussions on female subjectivity. I claim that this strategy can be more effective in achieving certain practical goals that are important from a feminist point of view. Benefits: We are able to show that the aim of our theoretical activity is not to agree about what a woman is and what kind of woman we are going to emancipate, but rather to define which problems should be solved in order to improve the situation of women. We just have to learn how to formulate the description from now on of initial matters of concern that is acceptable to all those involved in a given dispute.
This paper reformulates some of the questions raised by extended mind theorists from an enactive, life/mind continuity perspective. Because of its reliance on concepts such as autopoiesis, the enactive approach has been deemed internalist and thus incompatible with the extended mind hypothesis. This paper answers this criticism by showing (1) that the relation between organism and cogniser is not one of co-extension, (2) that cognition is a relational phenomenon and thereby has no location, and (3) that the individuality of a cogniser is inevitably linked with the question of its autonomy, a question ignored by the extended mind hypothesis but for which the enactive approach proposes a precise, operational, albeit non-functionalist answer. The paper raises a perspective of embedded and intersecting forms of autonomous identity generation, some of which correspond to the canonical cases discussed in the extended mind literature, but on the whole of wider generality. In addressing these issues, this paper proposes unbiased, non-species specific definitions of cognition, agency and mediation, thus filling in gaps in the extended mind debates that have led to paradoxical situations and a problematic over-reliance on intuitions about what counts as cognitive.


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|About Us | What's New | Search | Site Map | Contact Us|
A.Word.A.Daywith Anu Garg
charactonym (KAR-ik-tuh-nim) noun
A name of a fictional character that suggests the personality traits of that character.
[From English character, from Greek charakter (marking or engraving tool) + -onym (name).]
Example: Mrs. Malaprop in Richard Sheridan's first play, The Rivals. She was known for misusing words with humorous results. From mal- (bad) + apropos (fitting).
A related word is aptronym, a name that's especially suited to one's profession, e.g. Sally Ride, the astronaut.
"The easy-going Lovewit lives up to his charactonym; he enjoys a good
joke, and condones mischief when it is clever and profitable to
An idea is not responsible for the people who believe in it. -Don Marquis, humorist and poet (_PHONE_)
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© 2013 Wordsmith


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Injury & Illness Prevention
The IIPP is the "umbrella" safety program that details how the organization will protect employees from hazards in the workplace. Cal-OSHA requires that it be "established, implemented and maintained" (California Code of Regulations, Title 8, Section 3203). It covers eight basic components:
- Responsibility. Who is responsible for safety in the organization?
- Compliance. How will compliance with safety requirements be achieved?
- Communication. How will employees receive information they need to keep safe?
- Hazard Assessment. How will safety hazards be recognized and assessed?
- Accident/Exposure investigation. Who will conduct the investigation and how will and when should it be done?
- Hazard Correction. What can be done to eliminate or minimize the hazards?
- Training and Instruction.
- Record keeping.


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Climbing stairs, going for long walks or carrying heavy shopping bags – arthrosis transforms many formerly natural everyday activities into an increasing challenge because pain and restricted mobility are among the characteristic symptoms of this degenerative joint disorder. Triggers of arthrosis include wrongly applied strain over a longer time, injuries or congenital damage to the cartilage.
The beginnings of arthrosis
Arthrosis begins with age related signs of wear on the joint cartilage. While healthy cartilage – together with the synovial fluids – ensures smooth gliding movements of the bones, a defective cartilage layer causes pain and stiff joints. Cold, damp weather and strain such as walking down stairs increase the problems. The so-called start-up pain is also typical for arthrosis. This means that after a longer pause, the first movements are especially painful. As the illness advances, pain while at rest, night time pain and joint blockades often develop additionally.
Effective relief with arthrosis
In any arthrosis therapy, there is one basic rule: stay active without overloading the joint. In this, important support is provided by bandages and orthotics which are developed especially for arthrosis, such as the Genu Arthro. They relieve strain on the joints, allowing the user greater mobility in everyday life.


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Value of the Grid_1 - American Public Power Association
Subject: The Value of the Grid: DER Proliferation
Summary: Rapid changes within the electric industry have led to concerns that electric utilities are in peril of becoming obsolete. The rise of distributed energy resources (DERs), particularly rooftop solar generation or distributed generation (DG), as well as energy efficiency, behind-the-meter energy storage, and microgrids have caused declining or stagnant sales. Declining costs for these DER options promise to further erode sales. Both environmental concerns and economics are driving these changes. As public power business models adapt to change, the steps and considerations utilities take will help them to thrive in these new roles.
Author: Paul Zummo, Director, Policy Research and Analysis American Public Power Association


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Drought conditions in Colorado create plague of tumbleweeds clogging roads and waterways
The infrastructure of drought-stricken Colorado is being increasingly, and dangerously, clogged by that iconic image of the American West — the drifting tumbleweed.
Tumbleweeds are created when the above-ground parts of plants detach from the root and are whipped away the wind. The effect of tumbleweeds on the local environment is significant in purely ecological terms, as a single tumbleweed can extract upwards of 44 gallons from the topsoil as it rolls along.
Drought conditions in Colorado have not only exacerbated the creation of new tumbleweeds, they have provided existing tumbleweeds with more dry grass and wheat to entangle as they travel. This season's tumbleweeds are larger, and contain more desiccated material, which means that they are pulling more water from the topsoil, which in turn creates more tumbleweeds.
Left uncorralled, the tumbleweeds can merge on fences and in front of homes, trapping residents behind coils of weeds 10 feet high and six feet deep. They can also clog water canals, such as the ones at Evraz Pueblo, which cost more than $300,000 to remove.
When dry, the painfully thorny brush is not merely difficult to remove, it presents a potential fire hazard.
"They create an issue with us on keeping our fence lines clean," Adam Padilla, a maintenance supervisor for the Colorado Department of Transportation told The Gazette. "And in some locations in southeastern Colorado, they get caught under the wooden bridges and have to be cleaned so it's not a fire hazard."
Moreover, as Crowley County Commissioner Tobe Allumbaugh said, "[t]hey are just absolutely everywhere" and nearly impossible to remove. "They're like herding cats or maybe trying to catch balloons. You hit them with the snowplow and they bounce away, then they move back in behind you."
"You work 10 hours and all you've done is moved them around."
Cathy Garcia, the president of a southern Colorado advocacy group, told The Gazette that "[w]e talked about this issue and [the Department of Local Affairs, the Office of Emergency Management and the Department of Agriculture are] looking at what might be available within their departments as resources to help defray some of the costs of this. We are looking into federal resources and prevention."
["Image via Denise Rowlands on Flickr, Creative Commons Licensed]


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American Heritage® Dictionary of the English Language, Fourth Edition
- v. To persist in or remain constant to a purpose, idea, or task in the face of obstacles or discouragement.
Century Dictionary and Cyclopedia
- To persist in anything one has undertaken; pursue steadily and design or course commenced; avoid giving over or abandoning what is undertaken; be constant, steadfast, or unflinching.
- Synonyms To keep on, hold on, stick to (one's work). See assiduity.
- To continue; cause to abide or remain steadfast or unchanged.
- v. To persist steadfastly in pursuit of an undertaking, task, journey or mission in spite of distraction, difficulty, obstacles or discouragement.
GNU Webster's 1913
- v. To persist in any business or enterprise undertaken; to pursue steadily any project or course begun; to maintain a purpose in spite of counter influences, opposition, or discouragement; not to give or abandon what is undertaken.
- v. be persistent, refuse to stop
- From French persévérer, from Latin perseverare ("to continue steadfastly, persist, persevere"), from perseverus ("very strict or earnest"), from per ("through") + severus ("strict, earnest"). (Wiktionary)
- Middle English perseveren, from Old French perseverer, from Latin persevērāre, from persevērus, very serious : per-, per- + sevērus, severe. (American Heritage® Dictionary of the English Language, Fourth Edition)
"The American Dream, which has driven our country to such economic heights by providing the impetus for people to work hard, sacrifice, and persevere, is under direct attack."
"The will to persevere is often the difference between failure and success."
"The pious shall take fresh courage to persevere from the example of suffering Job."
"As women of color, we've always had to rely on our talent and less on our personality or looks to persevere, which is the main lesson learned."
"The only reason for Senator Clinton to persevere is to continue to entertain us with nuggets like the Bosnian Sniper story."
"It does not support the proposition that the soul actually does persevere, which is what the dogma declares and the faithful believe."
"Better forget the title and persevere with this high-spirited album, which features five of London's most popular and industrious artists."
"And in 1968, Johnson promised that the United States would "persevere" in Vietnam."
"Hunter's brothers and wife felt confident he will "persevere" because of his dedication to his country and his extraordinary training and experience."
"It should be known that there are two disciples of this name, who are types of all Christians; Jude the brother of James, of such as persevere in the confession of the faith;"
These user-created lists contain the word 'persevere'.
A complete Barron's Wordlist for GRE preparation. Your online flashcard replacement.
â€¢ The word must have an even number of vowels.
â€¢ There must be four or more vowels; thus, at minimum, an A-A-A-A or A-B-B-A pattern.
â€¢ The vowels must appear in a mir...
an immense, grandiloquent list that loads like a thousand years sentence in stone. new words are in the other lists.
All my favourite words that I come across!
My big word list.
Verbs meaning remain.
Vocabulary building for my quest of GRE 2013
Words that have only one of the vowels. On this list I include only words with at least three vowels. When I first started the list, if a word had several forms, I generally listed only the one wit...
Looking for tweets for persevere.


text:
- Available Now
September 3, 2008 Headliners Music Hall, Louisville, Kentucky
Moonalice poster by Alexandra Fischer
According to Moonalice legend, the tribe in Kentucky was especially talented. Kentucky nomads played incredible music. And the local hippies grew fantastic hemp. Unfortunately, they were all colorblind. That's why they used the same name for their hemp that they used for their music: Bluegrass. Smoke it if you've got it!
According to Moonalice legend, there is far more to the history of Louisville than you read in books. History books say that the first Europeans settled on Corn Island. What they don't say is that the Europeans actually bought Corn Island from the Moonalice tribe for $24 and a bag of microwave popcorn. Of course, it had a different name then. The tribe had named the island after their favorite crop — Hemp — but practiced crop rotation. It just happened that the fields were full of corn when the Europeans arrived. As a result, the Europeans missed out on the opportunity to invent hemp liquor. Fortunately, they went on to discover bourbon, instead. The rest, as they say, is legend.


Evidence of cosmeceutical efficacy growing
January 1, 2007
John Jesitus
John Jesitus is a medical writer based in Westminster, CO.
Patients commonly follow the advice of cosmetic-counter salespersons, TV advertisements, aestheticians and friends rather than seeking a dermatologist's recommendations.
The Food and Drug Act of 1938 defines a drug as being intended for use in the diagnosis, cure, mitigation, treatment or prevention of disease.
"The key is that it's intended to affect the structure or function of the body," says Heidi A. Waldorf, M.D., director of laser and cosmetic dermatology, Mount Sinai School of Medicine, New York.
In either case, Dr. Waldorf tells Dermatology Times, "The definition depends on both the ingredients and the intended use and claims" of a product.
This explains why certain ingredients such as alpha hydroxy acids appear in both prescription and over-the-counter products, she says.
'Cosmeceutical' explained
"Cosmeceutical products can be confusing to people," Dr. Waldorf says.
The term cosmeceutical was coined by Albert Kligman, M.D., to denote a product that contains biologically active ingredients but is sold to improve appearance, Dr. Waldorf explains.
"Their claims border on those of drugs. For example, they suggest anti-aging or anti-inflammatory effects," she adds.
It's becoming increasingly important for dermatologists to help patients sort out such claims, Dr. Waldorf says.
"The real issue is that patients are looking for more noninvasive ways to both maintain and improve their skin," she explains. "And we know that the noninvasive methods we use - including lasers, various peels and tightening procedures - work best when accompanied by an appropriate topical regimen."
However, Dr. Waldorf observes that, presently, patients commonly follow the advice of cosmetic-counter salespersons, TV advertisements, aestheticians and friends rather than seeking a dermatologist's recommendations.
Advise on skincare
As dermatologists, she emphasizes, "We must take back that responsibility to be able to advise our patients regarding their skincare choices and regimens."
Generally, Dr. Waldorf divides a basic regimen into morning and evening components.
"For a typical patient," she says, "morning or daytime skincare is about protection; nighttime is about renewal."
Accordingly, she says common elements of daytime skincare include sunscreens, antioxidants and moisturizers.
"The goal is to renew the lipid barrier, strengthen the skin and help protect it from the environment," Dr. Waldorf explains.
In contrast, she says that for nighttime use, "I generally include exfoliants, collagen stimulators and again moisturizers. One doesn't need a moisturizer with sunscreen at night."
By the same token, Dr. Waldorf notes that some products such as retinoids lose their potency with exposure to ultraviolet light.
In addition to product categories already mentioned, she says categories dermatologists must be aware of include antioxidants (including many vitamins), botanicals, peptides, growth factors, minerals, skin lightening agents and healing accelerators.
With such items, Dr. Waldorf says the most popular ones aren't always those backed by the strongest empiric evidence.
"Much of the evidence (supporting) use of various cosmeceuticals is anecdotal," she notes.
Nevertheless, Dr. Waldorf says that among antiaging products, those currently backed by the greatest amount of scientific evidence include retinoids and hydroxy acids.


Lung Tien Chuan - TemeraireWiki
Lung Tien Chuan
From TemeraireWiki
Jump to: navigation, search
Character Profile
Name: Lung Tien Chuan
Date of Birth: January 1805
Breed: Celestial
Captain: Prince Mianning
National Loyalty: China
Appearance: Black with blue eyes; identical to Temeraire
Special Abilities: Divine Wind
Status: Deceased
Lung Tien Chuan was the eldest son of Lung Tien Qian, and companion to Prince Mianning, the future Daoguang Emperor of China. At birth, Chuan's twin brother, Lung Tien Xiang was sent to the French Emperor, Napoleon Bonaparte, while still in his egg, to prevent future competition to the Imperial Throne.
Chuan later met his brother (now named "Temeraire") when Prince Yongxing, companion to his cousin Lung Tien Lien travelled to Britain; whose navy had captured Xiang's egg from a French ship, to demand his return to China. Unknown to Chuan, Yongxing was plotting to have both the Jiaqing Emperor and Prince Mianning murdered, and establish the Prince's younger brother Miankai as Emperor with Temeraire as his companion, while he ruled as regent.
Sometime around 1811 or 1812, Chuan was poisoned and killed by a faction at court that opposed Prince Mianning's reign.
Relation to other Celestials
Two Imperials
Grandfather(Lung Tien Xian?)(M)
Lung Tien Qian(F) Lung Tien Chu(M)
| |
 Lung Tien Zhi? (M)
Personal tools


Australian financial crisis
Australia avoided the worst of the 2009 worldwide financial crisis by pumping up the residential real estate industry. House prices rose, household debt levels soared, and the economy did very well.
Is Australia on the brink of its first recession since the 1990s? Does it mean a housing crash is inevitable?
Source: Bank for International Settlements
Australia's home prices are threatening to go off the chart.
The Australian housing market used a banking sector that allowed rapid growth in household debt levels over long periods of time. Although Australia has an issue with foreign investors pushing prices into the unaffordable zone, local buyers armed with newly created money from banks were the main driving force to higher prices.
Australia's private sector debt levels are among the highest in the world, but China and Canada managed to surpass Australia's borrowing fervor.
Source: David MacDonald, Canadian Centre for Policy Alternatives
Australia just missed inclusion in the danger zone because corporate sector debt is less elevated than Canada, but household debt is higher than Canada at 120% of GDP versus Canada at about 100%.
The banking sector underwent an extensive investigation recently in the form of a Royal Commission. The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry issued its final report in early February.
Banking executives were required to testify, under oath, and several instances of fraud related to housing were found. The biggest misrepresentations were related to mortgage approvals and assumptions about living expenses. Under a measure called the "Living Expenditure Calculator" people were able to qualify for very large mortgages even with relatively modest incomes, because living expenses were drastically underestimated.
To make it even easier for people to qualify for large debts, the lending industry promoted "interest-only" mortgages, which allowed people to defer starting the mortgage amortization for 5 years. Of course, this just meant very large payments for the remaining 20 years of the term, as much as 40% higher.
As long as home prices were rising these mortgage debts were manageable because the family that encountered trouble could just sell their home to repay their debt, or at least the interest on their debt.
But now that Australia's home prices are falling, Australia's Minsky Moment has arrived. To add insult to injury, the banks are now tightening lending standards in the aftermath of the Royal Commission's report. Housing prices have fallen 10-15% on average but are likely to fall much, much more because there is no new buyer/borrower to support the market which is still very expensive.
As I explained in the Second Edition of "When the Bubble Bursts," when mortgage loans are growing more slowly than the rate of GDP growth there is a contraction in money supply and buying power. An asset market like housing that depends on the creation of new money cannot survive a period when banks create less new money than needed to keep the bubble going.
Dr. Steve Keen wrote about this in his most recent book, "Can we avoid another financial crisis?". He says, "Since the main source of the money used to buy houses is mortgage-backed credit, there is a causal link between the level of new mortgages (mortgage credit) and the level of house prices." Patreon post December 3, 2018 "Australia's housing bubble pops"
We won't have to wait long to see if this causal relationship holds, as the latest numbers for Australian mortgage credit are abysmal.
Source: Australian Bureau of Statistics
Lending to households shrinking at 15 percent annually is unprecedented as far as I know, except during a financial crisis. Probably this lack of lending is partly caused by a tightening of lending standards due to the banks' embarrassment after the release of the Royal Commission report. But it's also inevitable as the housing market starts to correct.
There's no escaping the conclusion that economic recession (negative growth in GDP over two quarters) and a housing crash are now unavoidable.
Hilliard MacBeth
-PDF version of this post-


Photo by: Eneas De Troya
An archived version of the article will be available soon.
Thank you for your patience.
In 1997 the creation of a virtual underground was somehow a bizarre idea that the author attempted to realize. First, the representation of metaphors of a metro in a multimedia format opened ideas of what could be possible to achieve on the Internet, e.g. how sound fragments uploaded by different people could run on the same navigational interface and what this mixture is telling us about our urban culture. How does it sound?
Listening was the practice selected to perceive the whole of space and time relationships within a journey, and how these resonate with each individual. First in London, and later interconnecting the experience with Mexico and Paris, the author followed a mixed ethnographic method with commuters in each city, involving them in reflective and performative listening practices.
Sounding Underground is the resulting interface that links the three cities' metros, along with their cultures, evoking social, symbolic and political perceptions for each listener. The process followed by participants, and the interaction with the environment by users on the Internet, have opened paths for the acknowledgment and transformation of this experience, as each underground sonic journey becomes potentially a metaphor of a commuter's life.


text:
Remove files (POSIX)
rm [-Rfir] [-d] [-l n] [-v] file...
All supported hosts.
- (QNX Neutrino extension) If the -R option is specified, remove the files but leave the directory tree intact (i.e. no rmdir is performed).
- Force each specified file to be removed without prompting for confirmation.
- Be interactive; request confirmation before removing each existing file.
- -l n
- ("el") (QNX Neutrino extension) If the -R option is specified, recurse only n levels down a directory tree.
- Equivalent to the -R option (below).
- Recursively remove files and subdirectories under directories given as
arguments. This process removes the directory and the entire file tree
Use the -R option with care, as it removes directories, subdirectories, and files. Using the -i option with -R adds a measure of safety by turning on interactive prompting before each file or directory is removed.
- (QNX Neutrino extension) Be verbose; print files and directories as they're removed.
- The pathname of a file to be removed.
The rm utility removes each specified file from a directory.
By default, rm refuses to remove any file that names a directory. This may be overridden with the -R or -r options. In any case, rm always refuses to remove the current working directory.
If a file operand has been specified but doesn't exist and the -f option hasn't been given, a message is written to the standard error output. If -f has been given, the error message isn't written. In either case, rm goes on to any remaining files specified on the command line.
The rm utility doesn't necessarily remove the file itself. A file may have more than one link; that is, it may be known by more than one name in the filesystem (see the ln utility for information on creating links). The rm utility breaks one such link; it dissociates the file from one name. If this is the only link, the file data becomes inaccessible and the file space is returned to the system for reuse. Otherwise, the data remains accessible via other names.
Remove the a.out and core files:
rm a.out core
Remove the directory junk and all its contents, without prompting:
rm -Rf junk
- All the named files were removed.
- An error occurred.


Oxidative Stress Triggered by COVID-19
Researchers are learning that oxidative stress is triggered by the SARS-CoV2 and other RNA viruses. They have been measuring the oxidative stress markers in the blood of people affected by COVID-19. They have discovered hyperinflammation in the blood along with lipid peroxidation that can cascade to cause respiratory distress that is potentially lethal. Researchers are


text: Brief summary: The current management guidelines recommended by ACOG rely on history as a screening method to determine pregnant women who are at risk for transmitting herpes to their newborn. History fails completely in identifying the women most at risk of transmitting herpes to their newborn - the seronegative woman who acquires a primary infection from her partner during pregnancy. Despite recent advances, both pregnant women and newborns continue to be at risk of acquiring herpes infection. Genital herpes infections are epidemic in the United States. In the early 1990's, 25% of women in the US were seropositive for the HSV-2 antibody. These numbers are likely higher now. The incidence of neonatal herpes in the US cannot be accurately estimated since it is not a reportable disease. However, in some areas of the US, the incidence is 1 in 3,200 live births which would translate to an incidence of approximately three infants a day in the US. In other areas of the US, the incidence is even higher, approaching 1 in 1,500 liveborns. This protocol examines patient acceptance of HSV-1 and HSV-2 type specific serologic testing and assesses patient counseling tools. In addition, seroprevalence of HSV-2 in pregnant patients will be collected and evaluated.


text:
Is 3 to the power of P > 2 to the power of q?
(1) q = 2p
(2) q > 0
Can anyone explain this.
From my understanding the answer to this question is E.
But the explainantion says the correct ans is C.
from now on, you should actually say
what "your understanding of the problem" is
; it's hard to respond to your post if we have to mind-read.
kyle's approach (testing cases) works.
if you have statement 2, you can also substitute q = 2p into the question:
Is 3^p > 2^q?
Is 3^p > 2^(2p)?
which is the same as...
Is 3^p > (2^2)^p?
Is 3^p > 4^p?
The answer to this question is No if p is non-negative and Yes if p is negative. therefore, if you have the two statements together, it's a definite No.


text:
Leon Scott Kannedy is the main character in this game, we can play with third person shoter. If you ever play RE2, then there we will find Leon S. Kannedy for the first time. Leon S. Kannedy is the US Govermnet assigned by the American president to rescue the child of the kidnapped president in the Spanish area (I think of it because I am listening from his language) in the village of Puebos.
Well, in this game we will experience a great adventure, starting from the beginning meet with the parasite infected population, met with various kinds of monsters and strange creatures, met a Spanish scientist, met a mysterious red woman who is not is Ada Wong (we can also see in RE2), managed to save Asley Graham (son of the president), then Asley was kidnapped again, then successfully rescued by Leon, then kidnapped again, and then rescued again.
Please note that in Resident Evil 4, we will see the difference from the previous RE series. In RE 4 enemies we will encounter are not people infected with viruses like the previous RE series, but are caused by a parasite called Las Plagas, and people infected with parasites and parasitic eggs have ruptured called Las Ganados. The difference is that people who are exposed to parasites basically still have little consciousness. They do daily activities, talking, running, and others. In contrast to people infected with a virus that can only go to and fro and just menggiggit people.
Well in the ending game we can see the story how people - people can be infected by parasites. So here's the story, originally Puebos village is a quiet village where the inhabitants live harmoniously. Quiet and peaceful village. Then came a cult leader (Los Illumiados) called Saddler. He provoked the hugs to follow him and then he injected the parasites to the entire population. It was then that the village of Puebos began to change. Their consciousness begins to disappear and eventually they are dominated by parasites. Puebos village was so terrible.
In the chaos Leon will come later to find the daughter of the kidnapped US president. It turns out that Asley (daughter of the American president) was kidnapped by Jack Krauser who was ruled by Saddler in order to take over America, because after Saddler controlled America he would easily rule the world.


text:
Gary Feld has this story by Lewis Jaffe:
One of his slides started out as a question. "If there are five frogs on a log and four decide to jump off, how many frogs remain on the log." Of course – the instinctive answer of "one" is wrong. Five frogs actually remain on the log, as deciding to jump and jumping are different things.
In an entrepreneurial context, intentionality is important, but results are what really matter. Lewis reinforced this in a memorable way – as the point he was making is "just because you decide, doesn't mean you do." He stressed that one of the main problems he sees early in his tenure as CEO of a company that is failing is paralysis – everyone has ideas about what to do, but no one is willing or able to do them.
Remember – just because a frog decides to jump, doesn't mean he will. Be careful not to confuse intentionality with results in your business (or your life.)


text:
1. All paper of notebook is acid-free, fine-grained paper, and is made of stone or synthetic stone through special processes and no longer causes damage to trees, each page can be reused up to 500 times and it's a real reusable notebook.
2.Your writing sticks to pages like regular paper, then you can use a damp cloth to erase the writing or heat to erase, such as a hairdryer, etc; when the page's writing is erased, you will get a brand new page. please don't place the notebook nearby the sun and heat source, especially in summer, the ink may disappear by the sun or the heat source.
3.Your secret of high efficiency. From now on, for study, for work, for drawing and writing, just one reusable notebook is enough! Stop buying notebooks. Stop wasting your money. Stop killing trees! reusable notebook is the last notebook you'll ever need. Your EVERLASTING NOTEBOOK.
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text:
In the weeks and months following the discovery of the body, the identity of the man continued to elude South Australian police. Initially identified by The Advertiser newspaper as local man E.C. Johnson, the appearance of a very much alive Mr Johnson quickly put an end to that idea. And although a number of items were found on the man's body, no form of identification was recovered. With the hope that someone from the public may recognise him, the body was photographed and fingerprinted.
The deceased man was described as approximately 45 years in age, 5 feet 11 inches in height (180 cm), with greying hair and grey eyes. It was also noted that he had a strong physical build, particularly for a middle-aged man. Many from the public came forward believing they knew the man, and several even 'positively' identified him after viewing the body; however, each lead proved unsuccessful. Details were also sent to authorities in several other countries, including the United States' Federal Bureau of Investigation or FBI; however, despite a widescale public campaign, it seemed no one knew the man.
The police detectives assigned to the case, Lionel Leane and Len Brown, gave the man's clothing to Professor John Burton Cleland to examine in April 1949. Professor Cleland, from the Department of Pathology at the University of Adelaide, made a remarkable discovery during the course of his investigation.
In June, in a small pocket in the waistband of the man's trousers, he found a small rolled up piece of torn paper with the words "Tamam Shud" printed on one side. Research revealed that these words were from the final verse of a popular collection of poetry known as The Rubaiyat of Omar Khayyam. Written in the 11th Century by Persian philosopher Omar Khayyam, the poem had been translated by Englishman Edward Fitzgerald in 1859. Translated into English, the words "Tamam Shud" mean 'it is finished' or 'ended'.
This new clue mystified authoritiessome, including Professor Cleland, believed that the words indicated a man intending to commit suicide. But what was the connection between the deceased man and The Rubaiyat of Omar Khayyam? Were the words 'Tamam Shud' taken from a copy of the book for a specific purpose or to represent a particular meaning? And how did the piece of paper end up in the man's pocket? Did the man place it there or was it someone else?


What's the difference between mortgages in Australia and the USA?
One of the arguments frequently used to denounce the overseas economists who come here warning that our property markets are going to crash, is that our real estate markets are different to America.
So what's the difference between mortgages in Australia and the USA? Mortgage-Rates
According to finder.com, aside from different terminology and product types, there are some unique differences and similarities in the US and Australian mortgage markets.
From different borrowing behaviour to credit score systems and product categorization, there are several differences (and some similarities) between the American and Australian mortgage industries.
Here is what their report had to say:
What are the differences?
From the preference of different mortgage types to credit score systems, mortgage insurance and industry bodies, there are several key contrasts between the American and Australian home loan sector.
1. Fixed-rate preferencelow interest rates
One of the biggest differences between the American home loan market and the Australian home loan market is that American borrowers tend to favour mortgages with long-term fixed rates instead of variable rates.
In America, fixed rate mortgages typically come with longer loan terms of 10,15, 20, 25 or 30 years, whereas the most common fixed terms in Australia are much shorter such as one, two, three, four and five years.
This reflects the difference in borrowing attitudes and behaviour between the two countries.
2. Representation of variable rate
The representation of variable rate loans – referred to as adjustable rate mortgages (ARMs) in the US – is another point of difference.
In the US, ARMs are advertised with the initial fixed period first followed by how often the rate will be adjusted.
For instance, a 5/1 ARM has an initial five-year fixed rate after which the rate is adjusted once a year.
On the other hand, Australian variable rate home loans are simply represented as an annual percentage, such as 3.99% p.a.
3. Credit scores
While credit scoring is an integral part of the home loan application process in both the US and Australia, the systems used are different. 8507207_l
In America, the FICO score is the most common model used, which takes into account your payment history, types of credit and recent enquiries to calculate a three-digit figure from 300 to 850.
As a rule of thumb, a FICO credit score above 740 can secure more competitive rates or lower down payments for a US mortgage.
On the other hand, the system used in Australia is called VedaScore, which ranges from 0 to 1200.
The higher the number, the better.
A credit score between 81 and 100 could secure a better home loan deal.
4. Mortgage insurance
In the US, private mortgage insurance (PMI) is paid for home loans that are greater than 80% loan-to-value (LTV) ratio, which is similar in Australia for full documentation loans.
However, PMI is generally about 0.3% to 1.15% of the original loan amount and is paid annually, whereas lenders mortgage insurance (LMI) in Australia can either be paid upfront or capitalised into the loan.
PMI in the US is also tax deductible, just like it is for investment loans in Australia.
5. Mortgage product categorisation
The categorisation of mortgage products is different in both the US and Australian industry.
Influence of authoritative bodies
The US mortgage industry features conventional loans that are either conforming or non-conforming. A conforming loan meets the standards imposed by Freddie Mac and Fannie Mae such as maximum loan size and deposit requirements.
Non-conforming loans do not meet the criteria and are therefore not bought by Fannie Mae or Freddie Mac.
A common non-conforming loan is a jumbo loan, which exceeds the maximum loan size set out by Freddie Mae and Fannie Mac.
This limit is generally $417,000 but can be much higher in certain states.
Non-bank lenders in Australia (which are somewhat similar to US non-conforming lenders) do not have to hold a banking licence, yet they are still bound by the laws and regulations as set out in the Consumer Credit Code by the Australian Securities and Investments Commission (ASIC).
As a result, the regulation of the Australian home loan market is more streamlined.
All Australian lenders have a duty of care to only recommend home loan products that are suitable to the borrower.
The National Consumer Credit Protection Act 2009 (NCCP) stipulates that all lenders follow "responsible lending" obligations, which apply to loan amounts or loan increases.
6. Mortgage point system
Another point of difference between the Australian and American mortgage industries is the "mortgage point" system offered in the US market.
One point refers to 1% of the loan amount. For instance, 1 point would be worth $3,000 for a $300,000 mortgage.
As a result, US loan products are offered with an interest rate and a point, such as 6% and 2 points.
This allows borrowers to buy discount points at the rate of 1% of the property value, which decreases their interest rate and lowers their repayments.
This system of rate discounting is not available in Australia. Instead, some lenders provide an introductory rate discount for a given time or a special promotional offer.
7. Mortgage experts
The people you will deal with when applying for a home loan are different in the US and Australia (or at least have different titles).
When you apply for a mortgage in America, you will generally deal with the following people:
 - Loan officer. Your loan officer will be your first point of contact and the person who will help you find a loan when you approach a lender. Your loan officer will also help you complete your application paperwork. home loan
 - Loan processor. Once you're ready to apply, your loan processor will collect the required documents from you to support your application and will cross-check the calculations for your mortgage.
 - Mortgage underwriter. The final say on whether or not you'll be approved for a loan sits with the underwriter, who will either accept or reject your application.
When you apply for a home loan in Australia, you generally deal with:
 - A mortgage broker. If you apply for a home loan in Australia, your first point of contact is likely to be a mortgage broker.
 A licensed broker can help you estimate your borrowing power and compare your home loan options. A broker can also assist you with the application process.
 Effectively, a mortgage broker assumes the role of a loan officer in the US.
 - A lending specialist. The lending specialist is a representative from the bank or lender providing you with the home loan.
 They will have the final approval of your application outcome.
What are the similarities?
Mortgage rates are negotiable
Although this may not be widely known in either markets, mortgage rates are negotiable in both the US and Australia.
If you've been a loyal customer and you have a good credit rating, you can easily negotiate your interest rate with your existing lender in order to lower your periodic repayments.
Ethical conduct
As in Australia, American mortgage brokers and lenders must provide borrowers with a comparison of different products that are suitable to their borrowing needs.
In America, this is known as good faith estimate (GFE). In Australia, it is referred to as "responsible lending", which is enforced by the National Consumer Credit Protection Act 2009 (NCCP).
Comparison rate vs annual percentage rate
Both markets disclose an interest rate that more accurately reflects the cost of the loan. interest rate
In the US, this is known as the annual percentage rate (APR).
In Australia, it is called the comparison rate.
Similar to the comparison rate, the APR is an interest rate that includes some of the fees and charges of the loan.
When comparing different home loans, both the APR and comparison rate help borrowers understand the true cost of a loan.
First home buyer assistance
The US government assists first home buyers through the Federal Housing Administration (FHA), which enables them to get a home loan with a small deposit amount of just 3%-5% in some cases.
Similarly, the Australian government provides a monetary grant and stamp duty concessions for first home buyers to help them get into the property market.
This is implemented through the First Home Owner Grant (FHOG) scheme.
Source: finder.com
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'What's the difference between mortgages in Australia and the USA?' have 2 comments
 May 12, 2016 Roger
 You didn't mention nonrecourse loans. I would have thought that was a pretty significant difference.
 May 12, 2016 Paul Kenny
 On the Veda Credit score up to 1200, I think if you only scored between 80 to 100, no lender in Australia would want to know you except the loan sharks who would make you pay dearly.
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Want to add some text to your image/photos? It's very easy with Photoshop. Try this and next time you don't need to ask your geek friend to do it for you.
 1. 1
 Choose your image file.
 2. 2
 Open the image with Photoshop. (For Windows user, right click on the photo >> Open with >> Select Photoshop.)
 3. 3
 Select the 'Type tool'. Commonly it is in the left side of your screen on the tools window.
 4. 4
 Click on the image where you want to add the text.
 5. 5
 Write the text with your keyboard.
 6. 6
 Select 'Move tool' from the tools window. Re-position your text if you want.
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 Open the 'Character' window from dropdown list under 'window' menu. You can change font style, font color, font size etc. there. In order to format your text, you'll need to highlight it before making your desired changes.
 8. 8
 Go to 'File' menu click on it and choose'save as' from the dropdown list, or you can simply press 'ctrl+shift+s' to open'save as' window. Select the location on your drive where you want to save the photo. Now give a sweet name to your photo. Choose the file format from the dropdown list and click on save. Your new photo with text is saved in that location.
 9. 9
 - Learn to use layer styles of Photoshop to add styles to your text.
 - When choosing the file format on the'save as' window, it is preferable to use the most common formats like.jpeg.png etc.
 - If you want more options when it comes to saving your image, click on the 'Save for web and devices' option in the 'File' menu, instead of simply using'save as'. This gives you more flexibility regarding format, quality, etc.
 - This article is written for Windows user, Control options for other operating systems may be different.
 - You can directly save the document after completing the editing. But it will replace the original document. So it is better to use'save as'.
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text:
Before 1680 the ancient towns and villages
now absorbed in Greater London were rarely considered important
enough to be mapped in their own right. From the 1680s, as the
villages became socially and economically integrated into the
London region, this changed. They were shown like stars surrounding
the central sun of London, which had previously been depicted
only with the villages of Middlesex, north of the Thames. Road
surfaces improved considerably from the late 18th century.
Coaches began to run regularly between the
centre of town and the outlying villages and it became possible
for businessmen to live permanently in their country villas with
their families and commute on a daily basis. Nevertheless, despite
their increasing integration with London, most villages were still
surrounded by fields in 1850.
Click the pins on the Google Map above or
follow the links below to view some of the key maps from this
period in our Online Gallery.
Survey of the Parish of Islington, 1735
Plan of a proposed Turnpike road from Marylebone to Finchley, 1824
Plan of the Fitz Roy Farm and Highgate Estate, 1840
View of the Highgate Archway Road, 1813
View from Hampstead looking towards London, 1800
of sight: the East End


text:
The test will be on 12/5. Your goal will be to write a Java application and submit it before the end of class. You will have the entire three hours to complete the test. Here are the things you should be able to do and may be asked on the test:
-Create a random number between a low value and a high value
-Ask the user to enter a number
-Use decision making and loop structures to check to see if the number is within a specified range. Continue to ask the user until he or she gets it right.
-Compare what the user enters to the random number to see if they match.
-Tell the user if the numbers match or not


text:
Southern Africa Food Security Outlook Update July to December 2013
Staple food prices expected to remain high in response to tighter regional supplies
- Although most parts of the region will remain food secure during the July to September period, there are pockets of acute food insecurity in areas that experienced reduced harvests due to mid-season dry spells and or flooding. Food access in these areas is already problematic for some households, and the lean season is expected to begin earlier than the normal October/November start.
- From July through September, Stressed (IPC Phase 2) and Crisis (IPC Phase 3) outcomes are expected in localized parts of Zimbabwe and Malawi. However, food security is expected to improve in affected areas of Zimbabwe during the October to December period due to the start of seasonal targeted assistance and other safety-net programming in deficit areas.
- Food prices in some of the region's most productive areas continue to decrease or stabilize, following normal post-harvest seasonal trends. In deficit areas food prices are rising steeply even while harvests are still on-going, a pattern that is atypical for this time of the marketing year.
- The 2013 national vulnerability assessments findings released in July point to increased levels of food insecurity across the region. Most countries have recorded higher numbers of acutely food insecure populations and a much wider geographic distribution of affected areas compared to the past three years. Namibia has the highest level with 48 percent of its rural population assessed as requiring food assistance.


Disability Retirement for Federal Workers: Causation Irrelevancy
Causation and the issue of causality involves the occurrence of X as a result of an action Y. There are direct causes, intermediate causes, interceding causes, etc., which concern whether or not an immediate linkage can be established between the action Y and the effect X.
Thus, if the white billiard ball strikes the Number 7 ball, and the latter moves forward, we say that X (the white ball) caused Y (the Number 7 ball) to move. On the other hand, if the rooster makes its traditional cry at 7 a.m. as the sun is rising, and does so only when the sun rises, we may informally say, in an imperfect sense of causation, that "because" the sun rose, the rooster crowed. We rarely ascribe a direct cause between X and Y, however.
For OWCP/Department of Labor cases, causation is a relevant and significant aspect of proving a case — for, in a FECA case, one must prove, as one of the elements of eligibility, the fact that the injury was "caused" by the job, while on the job, while related to the job, etc. A significant amount of time is thus expended in proving the issue of causality in a Department of Labor, Office of Workers' Compensation claim.
For FERS & CSRS Disability Retirement cases, however, under the auspices of the U.S. Office of Personnel Management, causation is not an issue. A Federal or Postal Worker can be injured while on vacation; he or she can have the injury while at work, and concurrently (or sequentially) file for OWCP benefits and OPM Disability Retirement benefits; or the injury or medical condition can simply "occur" during his or her tenure with the Federal government.
In any and all events, it is essentially an irrelevancy. The issue is not "how" it occurred; rather, the point is to show that, once occurred, in what manner does it impact one's ability to perform the essential elements of one's job.
While causation in a FERS or CSRS Disability Retirement application may be of some historical interest, it should not be a central focus of any applicant's statement of disability. To do so would be to make a peripheral issue a central one, and conversely, to allow for the central issue to become less focused.
Robert R. McGill, Esquire


Please to understand what I mean, see the picture below :
Laser cutting speed chart
I don't understand why it is not a linear curve (or almost), because at first sight it should be no?
If you need 10 sec to cut a length of 1mm thickness, why not 20 sec for a 2mm and 30sec for 3mm... I can't figure this out!
If you have an answer, please don't hesitate to share your experience with me!
 - $\begingroup$ if the laser is cutting via thermal process (typical), it might be the consequence of how the heat transfer works out vs the thickness $\endgroup$ – Pete W Mar 12 at 16:42
 - $\begingroup$ I've never cut steel with a laser but I can see that with thinner material the conductive losses are lower and increase as the sheet gets thicker but the proportional increase is less. Eventually you reach a point where there is so much conductance that making the plate thicker makes little difference. $\endgroup$ – Transistor Mar 12 at 16:55
 - $\begingroup$ do you know the type of laser that this diagram comes from? more specifically the duration of the laser pulse? $\endgroup$ – NMech Mar 12 at 18:59
 - $\begingroup$ Cutting is usually done with cw, not pulsed $\endgroup$ – OpticalResonator Mar 12 at 19:04
To see why this graph can only have a hyperbolic shape, it can help to take a look at the energy balance of the laser cutting process with absorbed laser power $P_A$.
$$P_A = \underbrace{vtw}_{V_M}\cdot \rho \cdot \underbrace{(c_p \Delta T_P + h_M + \xi h_E)}_{\text{process energy}}+\underbrace{P_L}_{\text{losses}}$$
The term labelled "process energy" doesn't bother us further here, it describes the energy we need to put in to bring the material from environment temperature to process temperature and is constant for a given material. Same with the power losses $P_L$, maybe a little unintuitive, but experiments showed that they depend mainly on the thermal conductivity of the material, so we approximate them as constant as well. The material's density $\rho$ is of course also constant.
What remains? $V_M$, the molten volume per time, which consists of cutting velocity $v$, the sheet thickness $t$ and the width of our cut $w$. The width $w$ depends on the laser beam diameter, so we also consider $w$ constant.
In the end, only $v$ and $t$ are left. We consider everything in the energy balance except those two constant, so let's claim:
$$ v \cdot t = const.$$
A product being constant? That is just the equation of a hyperbola with the axes as asymptotes.
Your Answer


Blog Interior Scholarship
Homo sapiens are no longer proletarian but cognitarians – Eff Libilbéhéty, Interior Scholarship 2020/2021
Blog Interior Scholarship
Mai 2021
Blog: Eff Libilbéhéty
Homo sapiens are no longer proletarian but cognitarians.
To dive into the conscious and unconscious means to fit in society uncovers the fragile balance between the banal and the public. Social appendages, like phones or strategies, are here to lubricate the human's collision with the external. This liminal space questions the authenticity of each individual and reveals a constraint belonging to the collective. Calling attention to cognitive bias here also relates to how ideology works on a mass of people – because of those human brain's glitches.
 Almost scientifically, these appendages are dissected and archived to offer an object-oriented horizon arising from a different cognitive and perceptual standpoint. Critical moments of resistance are highlighted through domestic rituals. From each of our pre-saved behaviours only remain chairs of wood and bioplastic, as a prosthesis of bipeds' rooted rituals. As a dialectic between constraint and freedom, the mind and the human-built, each element is a cross-dressing on how expands the Homo sapiens' body sensoriality.
the subjective identity ot the universal human
The excrescences of the social game are a liminal space between every day and the public, the intimate and the chaos. By excrescences I mean all the means homo sapiens use to interact with the external (others, situations, nature, culture, society). As individuals, we try to exist as one but also to fit in the collective. That's called belonging. But this balance between identity and objectivity, or subjectivity and public isn't that clear. Humans are wired with the same materials: thoughts, actions, emotions. What creates a melody of these 3 modules (regulating their interactions) are cognitive bias and constant learning.
Such prosthetics are there to help us make a sense of reality and the world around us, to navigate as sure as we can. They can be tools but also immaterial props, like above-mentioned biases. Their physicality doesn't matter: they are an extension of ourselves, not necessarily practical, neither functional. Just a banal add-on, lubricating our collision with what is outside of the limit, outside our selves.
Bias, for instance, are 'bugs' of the human mind and sociability. They are unconscious distortion in how one receives information, potentially leading to irrational decisions or paradoxes. Individuals create their own „subjective reality". Advertising or propaganda, for instance, make great use of our biases because we are often unaware of them and because they are universal (let's see it as a button that provokes similar reactions even though the individuals have very different identities).
They can be explained logically: robotic shortcuts (or mechanical simplification methods) because our brains are unable to comprehend the richness of the whole visual stimuli and chaotic amount of information that the world holds. So, through these means (rationalisation and abstractions), it creates an affordable world and allows itself to navigate through it. Therefore, it is the same on a biological level: the brain doesn't digest the whole surplus of information happening daily. To find a rhythm in the chaos, it works with pre-established models (based on previous experiences). Basically, a simulation of what is reality screens in our heads, and the only things the brain analyses are the information that doesn't match with this simulation. These errors are analyzed and used to create a more performant simulation, next time.
These social toolings are intangible phenomenons shaping the way we behave. Let's think of religion as an example. For the core of guidance, we created a system of beliefs and rules. Then, finally, things/reality/world had a reason, made sense again. No need to doubt, as there is a precise way to think. We built temples for the core of making sense – temples made of blood and need.
Brain's models, religion, cellphones. These are excrescences of the human that intend and define how one human relates to another and expands in the world.
prosthetics to (dis)prove the body
20 biases are selected to present all the fragility of the universal human. For instance, the 'Rhyme as reason' effect (rhyming statements are perceived as more truthful) or the 'Law of the instrument' (an over-reliance on a familiar tool or methods, ignoring or under-valuing alternative approaches. „If all you have is a hammer, everything looks like a nail."). The 20 biases are investigated through experiences to prove or disprove them, and will be selected to have 10 final ones. Each experience investigates the environment with a new body. As a dialectic between constraint and freedom, an object (chair) is made for each experience. Cross-dressing, transgressive and transcendent, these objects expand the Homo sapiens' body sensoriality. Finally, each experience makes a human feel a sense of liberation. Limiting the objects to a chair also question the form/functions, norms and standards, present in architecture. To which extent is it still a chair if you can't sit on it?
Indeed, the chair is a stable element on which humans rely on. It's also a conversational object, one that we all have in our homes. Not only at our homes actually, as there is a sit for each of our banal rituals. Eating, toilet, public transport, work. The 2021's humans and their rooted daily lives. A chair for my ass and my thoughts, perfect prosthesis of our daily millimetric ballets. For the 14 biases, there will be a chair. They are drawn on the papers too. Each chair is as a dialectic between constraint and freedom, cross-dressing on how expands the Homo sapiens' body sensoriality. My chairs are united by their functions, to simulate the sensorium of a single person but also by two materials.
Each experience is carefully archived (audio, video, notes and conclusion). Indeed, being filmed creates another context, it's bizarre and performative and emphasizes each of my humans as authentic. Finally, I challenge the person in front of me as a guinea pig and it becomes a number in a research, depersonalized in my archive of human minds.
The diner experience
Sitting all around a table, everyone is well dressed. Everyone has a role to play. It is no matter which one is the most valuable, but a transient discussion on what it is to be a self and how we do when it encounters other-selves. We are offering our more banal performance, seated and eating. The more we go, the more it appears that all the answers we bring just recall more questions. There is no end, no conclusion, only transitory moments of truth. Rationalisation couldn't help. From the corn during the Inca civilization to the epigenetic, all is discussed. They think I care about what they are saying, or that it matters. They are eating and I observe them coping with the foam forks. Here to play roles, they got an excuse to be themselves. Unscared of the social game because it is a scenery, they appear. My friends were here, in all their vulnerabilities. Behind performative roles, nothing makes sense. It is all scenery.
Weitere Blog-Einträge von Eff Libilbéhéty
How do we sink? – Eff Libilbéhéty, Interior Scholarship 2020/2021
Blog Interior Scholarship
April 2021
Blogger Eff Libilbéhéty
What is the place of humans in futures societies? How does the dynamics between individual and collective will balance? Western populations face difficulties to maintain current humans' lifestyle. Let's talk, or dream, about the decline of European capitalists societies. This sensible experience is irremediable: we are all going to face it, whether you like it or not.


How do you say "what's your name?" in French?
Here's the answer:
"comment tu t'appelles?"
Watch a real native speaker say it:
Here's how it sounds in a textbook:
You could also say:
 - comment est-ce que tu t'appelles?
 - comment t'appelles-tu?
Fun fact: the hundreds of thousands of people learning French with Memrise get this phrase correct 95.04% of the time!
Time to set your textbook on fire, learn "comment tu t'appelles?" and other useful phrases that French speakers really use!
burning textbook


King Alfred Press
Home » culture » What's in a Name?
What's in a Name?
Text Widget
Last week, the Weekender Herald published a very amusing article entitled "Looking at Life." The article, written by John Ovenden, lampooned one of the more absurd (and that's saying something) discussions between the members of the so-called "local progress association."
The topic of discussion was name changes for the various townships in the Adelaide Hills. What John Ovenden was lampooning was the pretentiousness of these groups and just how out of touch they are with the common people.
The fact that our supposed "social betters" are willing to change the names of townships to suit their own ideological needs is hardly new. Today, only those with an interest in local history would know about Adelaide Hill's rich German heritage. Anti-German sentiment generated by the First World War (1914 – 1918) caused the authorities to change the names of many German settlements. As a consequence, Blumberg was changed to Birdwood, Grunthal was changed to Verdun, Hahndorf was briefly changed to Ambleside (though it was changed back in 1935), and Germantown Hill was changed to Vimy Ridge (it was later absorbed into Bridgewater with the road being renamed 'Germantown Hill').
The same thing appears to be occurring today, albeit for entirely different reasons. The general distaste for Germanness had developed into a general revulsion for all of western culture.
A perfect example of this is the Mount Barker District Council and their attempts to modernise Mount Barker. Given that the population of the township is estimated to reach almost sixty-thousand by 2036, there can be little doubt that this modernisation is largely necessary.
However, one cannot help but worry that this modernisation will be used as an excuse to dismantle much of the town's heritage. I worry that this modernisation will be used to remove statues and demolish old buildings. There are signs of this happening already. Take, as an example, the statue installed at the top of Gawler Street. Like virtually all modern art, it is a travesty which fails to connect people with their heritage let alone represent anything.
Fortunately, most of the Adelaide Hills has rejected this pernicious call to change. Instead, they have clung onto their traditions and their heritage. When one drives through the Adelaide Hills, one sees old farmhouses, old Churches, and open fields.
This is partially natural and partially deliberate. It is certainly true that the country is always more conservative than the city. On the other hand, however, local heritage has been preserved thanks to the tireless work of numerous local historical societies.
What is more, it is perfectly possible to bring a township into the modern age without destroying its heritage. Hahndorf is a case in point. Australia's "oldest German settlement" has managed to modernise itself without sacrificing its traditional façade. Furthermore, it has even managed to capitalise on its German character and heritage. Along its main street, one can find boutique stores, small cafes, restaurants, and pubs that one would expect to find in old townships. Yet along that main street one can also find Asian restaurants, tattoo parlours, and other more modern venues.
Why are some local councils so hell-bent on destroying the heritage of the towns they have been elected to govern? Part of the answer can be found in their nature. Local councils, like most bureaucratic bodies, are left-wing by nature. As such, they eschew heritage and tradition. The impetus is on progress not on preserving local heritage.
The Mount Barker Council, for example, has signalled their commitment to so-modern "values" over adherence to tradition and stability. Rather than occupying one of the township's historical building, the local Council has instead decided to occupy an ugly, multi-storeyed office building.
There is a darker reason, however. There are those who wish to alienate people from their heritage by destroying their cultures and traditions. Among the tactics they employ is the defamation of local and national history, the abolition of holidays such as Christmas and Australia day, and the demolition of old buildings, statues, and other historical sites. They hope that by dismantling a town or nation's heritage, they can remould society along their ideological lines.
Fortunately, a great deal of work has been done to protect local heritage. Local historical societies, the History Trust, and other similar organisations have worked tirelessly to protect and preserve local history.
It is our culture and our heritage that has made us who we are. We must resist attempts to destroy it. What's in a name? Everything.
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