Yantras in most advanced phases are used to achieve total silence in mind where mental chatter stops completely. This is achieved by tatics of concentration. You shall have to meditate on one single object like Yantra. This Yantra shall be used till the time your mind achieves aspired silence. after acheving this silence you shall be training yourshelf to keep your mind empty without help of Yantra. Slowly slowly you shall be becoming more progressive in your effort of realisation of God in your life. Different Yantras are different Gods therefor, by tunning yourshelf in a specific Yantra you shall be tapping a specific creative energy centre of God in universe.
Yantras can be defined as a visible mantras. They have been used since the Vedic age to remove the malefic effects of certain evil forces and to strengthen the positive powers. Yantras are avaible to create vibration and other mystic effects of a mantra by sight. These Yantras are representing God are based on specific geometrical design and mathematical equations.
For energizing Yantra the assistance of learned and expert person in energizing Yantra is taken. The process of energizing Yantra (Prnprathistha) is done by reciting the Mantras of the presiding deity of Yantra and after that Homas should be performed by decorating the place of sacred fire and Ahutis should be given. Use of energized Yantras is popular because they are highly beneficial for us in thousands of ways. If the user of Yantra is having enough faith, trust and respect for Yantras, he shall get benefitted from the countless benefits of Yantras in several ways like to get rid of poverty, enemies,anger, bad time, bad effects of planets , diseases and many more.


BICYCLE DAY is a dramatic adaptation of the events of April 19, 1943: the day that Dr. Albert Hoffman dosed himself LSD and went on the first documented acid trip. As it was wartime and gasoline was scarce, Hoffman rode his bicycle home. That day became known as Bicycle Day, and Hoffman's notes are the basis of the play.
This event finished on 24 May 2018.


text:
9 new U.S. beach hotels
CNN/Stylemagazine.com Newswire | 8/19/2014, 2:26 p.m. | Updated on 8/19/2014, 2:26 p.m.
Vintro Hotel & Kitchen (Miami) // In Miami Beach, stylish Vintro Hotel & Kitchen opened in July. Rooms start from less than $200 per night.
Few travel pleasures match checking into a room few others have stayed in.
From Rhode Island to Santa Barbara, South Beach to Kauai, new hotels just steps from the beach are marking their first summer -- it's not over yet! -- in business.
Amenities like loaner golf clubs (good ones, too) and morning yoga on a rooftop make these new beach hotels worth an extended stay.
The Break (Narragansett, Rhode Island)
As 'Gansett's first boutique hotel, The Break expects to close out summer with a bang after its in mid-August opening.
Crisp, colorful hues highlight each of the 16 rooms, including coral-motif pillows and nightstands the color of tangerines that provide a mid-century, surf-chic vibe.
The Break, 1208 Ocean Road, Narragansett, Rhode Island; +1 401 363 9800; rates not available
Vintro Hotel & Kitchen (Miami Beach, Florida)
As if South Beach isn't already stylish, Vintro Hotel & Kitchen joined the crop in July.
The 50-room hotel with a freshwater plunge pool on its rooftop (where morning yoga is hosted) borders the newly renovated Collins Canal.
Guests can borrow bicycles and golf clubs.
A beach club is two blocks away.
Vintro Hotel & Kitchen, 2216 Park Ave., Miami Beach, Florida; +1 305 674 9200; rooms from $190 per night
21 Broad (Nantucket, Massachusetts)
This new hotel is decked out in colors that evoke citrus fruits and the decor has an urban bent.
There's a turntable in the lobby and an outdoor courtyard with a fire pit.
Each of the 27 rooms features amenities like a four-poster bed and shower head infused with vitamin C.
Well, hey, it's novel.
The food at 21 Broad is just as fresh.
21 Broad, 21 Broad St., Nantucket, Massachusetts; +1 508 228 4749; rooms from $359 per night
Hotel Zamora (St. Pete Beach, Florida)
Perhaps playing off the mod surrealism at the nearby Salvador Dali Museum, the Hotel Zamora flaunts a whitewashed exterior reminiscent of the Mediterranean, particularly its namesake Zamora, Spain.
Walk-in spa showers in each room remove sand from your skin with a luxurious twist.
Tapas such as lobster fries and yucca chorizo hash are available at the hotel's Castile restaurant.
There's also a cool rooftop bar.
Hotel Zamora, 3701 Gulf Blvd., St. Pete Beach, Florida; +1 855 926 6721; rooms from $170 per night
Metropolitan by COMO (Miami)
The first U.S. property from Singapore-based COMO Hotels and Resorts, this 74-room hotel is located in a 1930s building in the Art Deco District.
With direct access to the beach, the atmosphere inside is relaxing, with peppermint-green hues and white marble.
The on-site restaurants are excellent -- Traymore serves Florida seafood, and a poolside eatery does pizza baked in a wood oven.
Metropolitan by COMO, 2445 Collins Ave., Miami Beach, Florida; +1 305 695 3600; rooms from $188 per night
Kauai Shores (Kauai, Hawaii)
Kauai Shores, an Aqua Hotel, is located on Kauai's Coconut Coast, on the eastern shore of the island.
Its 200 retro-modern rooms are basic but were renovated under a re-branding and name change in June and are divided between just two floors.
9 Great New U.S. Beach Hotels
11 best ways to feel Hawaiian
TripAdvisor picks: World's best beaches
Hawaii's best beach bars
Which beach to choose this winter?

redpajama_set_name: RedPajamaCommonCrawl


buildings available to both races.
made to comply with our constitutional requirements.
Creator Umstead, William Bradley, 1895-1954.
Description Statement by the Governor regarding the issue of school integration, expressing the opinion that separation of the races is desirable.
Local Call No. Governor's Papers. William Umstead. State Archives of North Carolina. General Correspondence. Box 58. Folder: Segregation.
Full Text A STATEM-ENT BY GOVERNOR WILLIAM B o UMSTEAD May 27, 1954 W-hen Governor Holden submitted the Fourteenth A-mendment to the Legislature of this State for ratification he told the G·eneral A-s-sembly that the Amendment could not prevent the states· from operating separate schools for the white and colored rac-es , He recommended the ratification of the Amendment, after having written several articles in his newspaper, THE RALEIGH SENTINEL, in which he a-ss-ured the people of the State that the ratification would not in any way interfere with the separation of the races in the public schools . At the same session, the General A.ssembly of 1868, when. the Fourteenth Amendment was ratified, he recommended the enactment of legislation providing for separate schools for white and colored children of the State. In 1875, upon the return of the Democrats to power, a constitutional amendment was adopted providing for the separation of schools without discrimination against either race. In 1896, in PLESSY v , FERGUSON9 the Supre-me Court of the United States, with only one dissenting Justice, interpreted the Fourteenth--Amendment as meaning that the states had a right to provide separate but equal facilities in the public schools. In other Supreme Court decisions since that time, the Court has unanimously recognized the principle of separate but equal facilities in public education, Acting in accordance with the clear provisions of the North Carolina Constitution and in accordance with the decisions of the Supreme Court of the United States and every available historical precedent, this State and many others, since 1868, has provided separate schools for our white and colored childreno Under this program, the State, counties, school districts, have invested millions and millions of dollars in providing facilities in a sincere effort to accommodate the tremendous demands of public education in our State system of public schools, based upon the heretofore recognized principle of separate but equal facilities. The recent expenditures for public school buildings have gone far to substantially equalize the school buildings available to both races. Teachers' salaries have been fully equalized and great efforts have been made to comply with our constitutional requirements.


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text:
Q: issue in new post submission with ACF on front end I am using Advanced Custom field for a custom post type to allow user to add post from front end. My update code is working fine. Inserting new post is not working fine. Its just adding a post, but no data is saved.
I have tried following code.
function my_acf_save_post( $post_id ) {
if( $post_id != 'new_post' ) {
    // Get the selected post status
    $value = get_field('post_status_field', $post_id);

    // Update current post
    $post = array(
      'ID'           => $post_id,
      'post_status'   => $value,
      'post_title'  => $_POST['acf']['_post_title'],

    );

    // Remove the action to avoid infinite loop
    remove_action('acf/save_post', 'my_acf_save_post', 20);

    // Update the post into the database
    $post_id = wp_update_post( $post );

    // Add the action back
    do_action('acf/save_post', $post_id, 20);

}else{
    // Get the selected post status
    $value = get_field('post_status_field', $post_id);

    // Update current post
    $post = array(
      'ID'           => $post_id,
      'post_status'   => $value,
      'post_title'  => $_POST['acf']['_post_title'],

    );

    // Remove the action to avoid infinite loop
    remove_action('acf/save_post', 'my_acf_save_post', 20);

    // Update the post into the database
    $post_id = wp_insert_post( $post );

    // Add the action back
    do_action('acf/save_post', $post_id, 20);

}
return $post_id;
}

// run after ACF saves the $_POST['acf'] data
add_action('acf/save_post', 'my_acf_save_post', 20);

I am not able to figure out, where I am getting wrong. I want when a post is submitted, all data is submitted and when updated, all data must update.

A: Funny thing, I solved that yesterday.
When you hooking on 'acf/save_post' you running function, while custom field has old value, you sending new values with $_POST, but with get_field() you getting old values :D
So instead
$value = get_field('post_status_field', $post_id);

You need to use, in both situations, else you need press update button twice
$value =  $_POST['acf']['FIELD_KEY'];

to get FIELD_KEY do
var_dump( $_POST['acf']); die();

redpajama_set_name: RedPajamaStackExchange


text:
Geoffroy de la Planche de Ruillé, né à Angers le  et mort le  à Bernay-en-Champagne, est un sculpteur animalier français.

Biographie
Le comte Geoffroy de Ruillé se fait connaître notamment pour ses sculptures de chevaux et de cavaliers. Il expose au Salon à partir de 1886.

Notes et références

Annexes

Bibliographie
 .

Articles connexes
 Liste des familles subsistantes de la noblesse française

Liens externes

Sculpteur français du XXe siècle
Sculpteur français du XIXe siècle
Sculpteur animalier
Artiste représentant des chevaux de course
Comte français du XIXe siècle
Comte français du XXe siècle
Naissance en janvier 1842
Naissance à Angers
Décès en décembre 1923
Décès dans la Sarthe
Décès à 81 ans

redpajama_set_name: RedPajamaWikipedia


First full HIGH MAINTENANCE trailer & poster.
New episodes coming Sept. 16th to HBO.
Patrick's back and you can see me on the Season Finale Oct. 21st.
All episodes of the web series on HBOgo/HBOnow on Sept. 1st.


text:
Giving back: How Hendrick Motorsports drivers paid it forward in 2021
Most popular photo galleries of 2021
Most popular stories of 2021
Most popular tweets of 2021
2021 Season in Review: Kyle Larson
2021 Season in Review: Chase Elliott
5 9 24 48 November 30, 2021
By Gabrielle McMillen
CONCORD, N.C. -- Giving Tuesday is a reminder to all to pay it forward during the holiday season, but the Hendrick Motorsports drivers have been doing that all year.
Each driver has a charitable endeavor that is near and dear to their hearts. When they aren't preparing to race on Sundays, they are raising money and working with organizations near and dear to their hearts.
Kyle Larson kicked off his tenure with Hendrick Motorsports strong with a victory at Las Vegas Motor Speedway in March, but it was his "Drive for 5" initiative that put his personal charity, the Kyle Larson Foundation, on the map.
Larson pledged a personal donation of $5 for every NASCAR Cup Series lap he completed this season and will contribute another $5,000 for every top-five finish he earned. Overall, the campaign has earned $218,384 this year after he posted 20 top-five results and raced for 9,000 laps, leading, 2,581 of them.
Larson also is offering up to five scholarships per year for students with the Urban Youth Racing School in Philadelphia, providing daily meals for at least five families per day through The Sanneh Foundation, and supporting at least five communities per year through school grants provided by Hendrick Cares.
Chase Elliott brought his personal charity, the Chase Elliott Foundation, to the track this year when he and his Hendrick Motorsports teammates worked with Elliott's "DESI9N TO DRIVE" program. In support of National Childhood Cancer Awareness Month, sketched designs by cancer patients at Children's Healthcare of Atlanta were depicted on Elliott's racing suit, gloves, shoes and helmet, along with a specially designed paint scheme on his Chevrolet Camaro at Darlington Raceway for the start of the 2021 NASCAR Cup Series playoffs.
Elliott's teammates also wore shoes designed by patients and Children's, and the shoes, gloves and helmet were all auctioned off to benefit the Aflac Cancer and Blood Disorders Center of Children's. Overall, the effort raised more than $35,000 for Children's.
William Byron's work with Big Brothers Big Sisters of Central Carolinas helps provide children facing adversity with strong and enduring, professionally supported one-to-one relationships that change their lives for the better. The 23-year-old Charlotte, North Carolina, native has worked with Big Brothers Big Sisters for several years and organized his first charity golf tournament this year to benefit the foundation.
Byron plans for the tournament to become an annual event and have some of NASCAR's biggest names come out and support Big Brothers Big Sisters. He also was on hand in May to donate dozens of bicycles to children who are part of the organization.
Alex Bowman's passion for animals was able to fully flourish this season when he and primary partner Ally teamed up Best Friends, an organization dedicated to end kill shelters by 2025. Bowman and Ally selected an animal shelter in each city where a Cup Series race was being held in conjunction with Best Friends and pledged $1,000 each to raise funds for that shelter. Ally upped the donation to $10,000 if Bowman won a race.
Bowman debuted a special scheme for Best Friends on March 14 at Phoenix Raceway, his hometown track, to bring awareness to the cause and announce the initiative. He took the checkered flag four times this season, meaning he and Ally alone donated more than $100,000 to end kill shelters and help pets find their forever homes. Click here to learn more about Best Friends.


Welcome, come and say hello!
To be read by ALL guests before registering.
Please check here on a regular basis for any updates or new announcements.
Tell everyone about your car(s)! Hints, modifications, whatever!
Issues concerning your cars that aren't covered elsewhere? Discuss them here!
Look here for help with technical forum things, for example how to post pictures.
Please look in here before posting!
Here you can find out about the Brand New Euro-Nova Raffle!
A forum specifically for the Club Nova members who are part of Euro-Nova. Access is only available to subscribing Club Nova members. Please remember, subscribing to Club Nova is not the same as donating to Euro-Nova.
Any photoshop edits or graphics to be put here. Not to be mistaken with the photos forum which is for photos only. Only photoshops or graphics to be put in here.
If the DVLA have contacted you about problems with your vehicle, post the details here and more importantly, the solutions.
This forum is to be used for products found online or offline that have been bought, delivered and fitted/used/tested etc and are deemed as 'great' and would benefit a Nova owner who is building a Nova or driving around in one.
Show us your rear end!
Anything to do with fuel, questions, tanks, senders, hoses etc..
If you have a problem and can't decide where best to put it, then put it in here.
Are you thinking of having a telecam so you can see behind better? This is the place to talk about it.
Traditional batteries, high power batteries, mini batteries....its all in here.
Here is the place to talk about and discuss different choices of tools to get the job done.
Anything car related for sale? post it here.
If you have sold something or bought something from a forum member then give them feedback about the sale so others know what they are like to deal with.
A number of members in the past have sold things and donated the proceeds of the sale to Euro-Nova, now there is a forum especially for this. If you want to sell something, but want to help out the site from your sale, use this forum to list the item instead of the original for sale forum.
This is the place to post items for sale that are not related to cars or car parts.
Most users ever online was 168, 23-01-2019 at 07:10 PM.


Greetings, I am going to use this first "blog" to describe what our amazing staff do here. They are truelly multi-tasking geniuses.
Our residents appreciate the time staff puts into cooking a great meal or serving up a nutritious snack. Staff handles phone calls while pouring a cup of coffee for a smiling resident..
ADL's are a natural part of everyday, our residents appreciate the professional, caring manner that this team brings to the Austin Home.


text:
King of Foxes is a Canadian indie rock band formed in 2013 in Edmonton, Alberta, led by singer-songwriter Olivia Street. King of Foxes was nominated for Rock Artist of the Year at the 2022 Western Canadian Music Awards. Their third album, released September 16, 2022, titled Twilight of the Empire, went to #1 on the CKUA Radio charts. The album was produced by Stew Kirkwood and reviewed in the Edmonton Journal and Cups 'n Cakes Network, which described the album as "a sonic rollercoaster, and one of their best."

Their second album Salt & Honey, released in 2019, was also produced by Stew Kirkwood and received positive reviews from Aesthetic Magazine, Canadian Beats and The Gateway. The album charted on the Earshot charts. Their previous studio album, Golden Armour, was released in 2016. They have performed at Breakout West in 2019, Indie Week Toronto in 2018, and Canadian Music Week in Toronto in 2019 and 2022. They opened for Barenaked Ladies, Sam Roberts Band, and 54-40 at Together Again festival in Edmonton in 2022.

History
Olivia Street, the group's singer-songwriter, is the daughter of William H. Street, a classical contemporary saxophonist. She is a former member of Juno-nominated reggae group Souljah Fyah. She picked the name King of Foxes because she liked that foxes are "both the hunter and the hunted. That's the image that stuck with me, something that's both fierce and fragile." King of Foxes' music has been described as indie rock, and as "rock and roll with a side of pop."

Discography

 2016 – Golden Armour (Self Released)
 2019 – Salt & Honey (Self Released)
 2022 – Twilight of the Empire (Crystal Baby Music)

Members

Current members

 Olivia Street – vocals, guitar (2013–present)

Associated members/performers

 Stew Kirkwood
 Brandon Baker
 Tony Bao
 Greg Kolodychuk
 Alexis Alchorn
 Reid Thiel

References

External links

Musical groups from Edmonton
Canadian indie rock groups
Musical groups established in 2013
2013 establishments in Alberta


Having a bun in the oven can stress any parent out. From preventing small eager fingers pressing on hot oven doors, to stopping curious young cooks toying with stovetop controls, we all need to know how to create a child safe kitchen. Thankfully, many appliance companies aren't kidding with their child-friendly features.
When it comes to ovens, multi-layer panels appear to be a common way brands try to achieve cool-to-touch doors. Alternatively, items like the Bosch Serie 8 Built-in Oven more uniquely include child safety locks and automatic switch-off functions to avoid accidents caused by children accidentally operating the oven.
Think an oven door with added multi-layer panels is usually safe enough to touch? Smeg isn't so sure and claims radiant heat will still manage to cook through. That's why the company included a 22-blade tangential fan as part of its Cool Door design.
Shutting down the myth around the apparent effectiveness of multi-layer panels, Smeg states the fan ensures each 'Cool Door' is safe to touch as it creates a 'veil of cool air which buffers the radiant heat coming from inside the oven'. This is apparently achieved by pushing air through the four panes of glass in Smeg's pyrolytic models, or the three panes in brand's the non-pyrolytic options.
Smeg may sell an aesthetically-pleasing range of classic-style appliances, but it doesn't mean you can't enjoy modern safety features with the wide selection of products available. Items like the Smeg 60cm Victoria Thermoseal Pyrolytic Double Oven are said to be designed to keep the kitchen at a comfortable temperature with features like the Cool Door and its apparently unique fan. Some other family-friendly functions available in the true family size oven include a child safety lock, controls lock, and a thermal protection system.
Avoid snappy oven doors from injuring little fingers with products like the Smeg 60cm Classic Compact Combi-Steam Oven. Soft Close doors are a common feature in ovens, as well as other kitchen appliances such as dishwashers. These typically close slower than other systems, and avoid fully closing if there is something preventing the drawer or door from doing so.
From toy ovens to real ovens, kids can't help but bake a mess. But according to Miele, at least features like the 'cooling system with cool front' can help you rest assured your child's cupcake-covered hands will be safe from potential burns and other possible dangers that can cause an even bigger fuss. From oven doors to oven handles and controls, it all apparently stays cool due to the cooling system in Miele appliances.
Miele ovens like the Miele H 2265 B CleanSteel 60cm Wide Oven contain multi-layer panels claimed to insulate the oven door and keep outside temperature low. The function is stated to ensure each side of the appliance – even the surfaces of nearby cabinets – remain 'relatively cool' to protect against burns. The CleanSteel design, along with the PerfectClean finish, is also said to make the non-pyrolytic oven easy to clean and leave fewer fingerprints.
The automatic system lock in products like the Miele H 6890 BP oven takes care of the grownups, as well as the kiddies. It's designed to automatically switch the appliance off once the maximum operating time has passed to ensure the oven stops running when it should. However, this particular electric wall oven is the most expensive item in the range. But keep in mind that the higher price tag is to be expected as the appliance is 90cm wide and more spacious than the 60cm-wide alternatives.
Forget about other areas in the house, the kitchen is where the real magic happens. But sometimes two cooks is one too many, and it doesn't take long before the room temperature rises to an uncomfortable high and creates a couple of hangry hotheads. That's why Fisher & Paykel added the CoolTouch door to its models. The triple glazing and cooling system built into each door is said to protect people from the heat that permeates not just through the appliance itself, but also onto surrounding cabinetry.
Need to feed a few 'hangry' monsters? The Fisher & Paykel OB60SD9PX1 is a true family size oven with 72L worth of usable space. The electric appliance also includes a pyrolytic self-cleaning function to break down food residue and help make cleaning easier and quicker. Some safety functions include non-tip shelves, soft open and close door, control panel key lock and a catalytic venting system. The sliding shelves are also fully extendable, so you can safely remove hot dishes.
Does having a double oven spell for double trouble? The Fisher & Paykel OB76DDEPX3 contains two pyrolytic built-in ovens with 102L usable capacity, and is currently the most expensive item in the range. The Fisher & Paykel 76cm Electric Built-In Double Oven comes with the very same pyrolytic self-cleaning function found in the brand's other models, as well as quadruple glazed CoolTouch doors to apparently improve safety and energy efficiency.
Westinghouse doesn't just stop at ovens when creating kid-safe appliances. The family friendly brand also incorporates safety features like its FamilySafe trivets on other kitchen essentials, including the Westinghouse WHG644SA 60cm Natural Gas Cooktop. Whether it's avoiding burns with popular cool touch doors, or creating child locks to prevent small accidents turning into serious household hazards, Westinghouse looks at the unique risks parents with young children face and create specific features targeting these issues.
The Westinghouse WMB4425SA is a stainless steel combination microwave oven designed to offer versatility in homes that don't need an overly spacious or more complicated appliance. Filled with 44L total capacity, the unit contains a FamilySafe child lock to prevent curious young cooks from accidentally operating the oven.
When it comes to safety, Westinghouse join brands like Smeg to target the cool-to-touch oven door trend. Products like Westinghouse WVE916SB feature FamilySafe Doors, the company's own take on multi-layer glazed oven doors. The triple glazed oven door glass of the FamilySize Oven is said to ensure the front of the appliance is 'cooler and safer for families with young children'.
Bosch's approach to cooking up a kid-friendly environment combines a few of the common safety features similarly seen in brands like Miele and Bosch. Many of the ovens typically contain functions such as child lock and a cooling fan.
Programmes like the PerfectBake, PerfectRoast and Pyrolytic self-cleaning might satisfy some tastebuds, but safety functions such as a residual heat indicator and quadruple glazed CoolTouch door might take the cake for many Aussie families. Other features include a child lock, automatic safety switch, door contact switch, electronic door lock, and a cooling fan.
The Bosch Serie 8 Built-in Oven has 71L of usable capacity and offers 13 heating methods.
Australia is famous for its warm weather, with heatwaves in some areas soaring above 45° C. But it looks like the door of the Bosch VBC5540S0 doesn't even get that hot, which apparently reaches a maximum of 40° C. Other safety features include the common triple glazed door and child lock function, along with an automatic safety switch off function and door contact switch.
Can't wait until the freshly baked cookies reach the kitchen bench to cool, let alone stay away from the cookie jar? We hope this guide can help you find the best and safest oven for your family. Don't forget Canstar Blue has plenty of ratings and reviews on a variety of ovens – just hit the link below for more.


text:
You are here: Home / Accounts and Audit / Ind AS vs Qualifying Criteria for NBFCs-Accounting requirements resulting...
Ind AS vs Qualifying Criteria for NBFCs-Accounting requirements resulting in regulatory mismatch?
July 23, 2019 /0 Comments/in Accounts and Audit, articles on IndAS/IFRS, Financial Services, Indian Accounting Standards (Ind AS), NBFCs /by Staff Publication
-Financial Services Division and IFRS Division, (finserv@vinodkothari.com ifrs@vinodkothari.com)
The transition of accounting policies for the non-banking financial companies (NBFCs) is on the verge of being completed. As was laid down in the implementation guide issued by the Ministry of Corporate Affairs, the Indian Accounting Standard (Ind AS) was to be implemented in the following manner:
Non-Banking Financial Companies (NBFCs)
From 1st April, 2018 (with comparatives for the periods ending on 31st March, 2018)
· NBFCs having net worth of rupees five hundred crore or more (whether listed or unlisted)
· holding, subsidiary, joint venture and associates companies of above NBFC other than those already covered under corporate roadmap shall also apply from said date
Phase II From 1st April, 2019 (with comparatives for the periods ending on 31st March, 2019)
· NBFCs whose equity and/or debt securities are listed or in the process of listing on any stock exchange in India or outside India and having net worth less than rupees five hundred crore
· NBFCs that are unlisted companies, having net worth of rupees two-hundred and fifty crore or more but less than rupees five hundred crore
· holding, subsidiary, joint venture and associate companies of above other than those already covered under the corporate roadmap
· Unlisted NBFCs having net worth below two-hundred and fifty crore shall not apply Ind AS.
· Voluntary adoption of Ind AS is not allowed (allowed only when required as per roadmap)
· Applicable for both Consolidated and Individual Financial Statements
As may be noted, the NBFCs have been classified into three major categories – a) Large NBFCs (those with net worth of ₹ 500 crores or more), b) Mid-sized NBFCs (those with net worth of ₹ 250 crores – ₹ 500 crores) and c) Small NBFCs (unlisted NBFCs with net worth of less than ₹ 250 crores).
The implementation of Ind AS for Large NBFCs has already been completed, and those for Mid-sized NBFCs is in process; the Small NBFCs are anyways not required implementation.
The NBFCs are facing several implementation challenges, more so because the regulatory framework for NBFCs have not undergone any change, despite the same being closely related to accounting framework. Several compliance requirements under the prudential norms are correlated with the financial statements of the NBFCs, however, several principles in Ind AS are contradictory in nature.
One such issue of contradiction relates to determination of qualifying assets for the purpose of NBFC classification. RBI classifies NBFCs into different classes depending on the nature of the business they carry on like Infrastructure Finance Companies, Factoring Companies, Micro Finance Companies and so on. In addition to the principal business criteria which is applicable to all NBFCs, RBI has also laid down special conditions specific to the business carried on by the different classes of NBFCs. For instance, the additional qualifying criteria for NBFC-IFCs are:
(a) a minimum of 75 per cent of its total assets deployed in "infrastructure loans";
(b) Net owned funds of Rs.300 crore or above;
(c) minimum credit rating 'A' or equivalent of CRISIL, FITCH, CARE, ICRA, Brickwork Rating India Pvt. Ltd. (Brickwork) or equivalent rating by any other credit rating agency accredited by RBI;
(d) CRAR of 15 percent (with a minimum Tier I capital of 10 percent)
Similarly, there are conditions laid down for other classes of NBFCs as well. The theme of this article revolves the impact of the Ind AS implementation of the conditions such as these, especially the ones dealing with sectoral deployment of assets or qualifying assets. But before we examine the specific impact of Ind AS on the compliance, let us first understand the implications of the requirement.
Relevance of sectoral deployment of funds/ qualifying assets for NBFCs
The requirement, such as the one discussed above, that is, of having 75% of the total assets deployed in infrastructure loans by the company happens to be a qualifying criteria. IFCs are registered with the understanding that they will operate predominantly to cater the requirements of the infrastructure sector and therefore, their assets should also be deployed in the infrastructure sector. However, once the thresholds are satisfied, the remaining part of the assets can be deployed elsewhere, as per the discretion of the NBFC.
The above requirement, in its simplest form, means to have intentional and substantial amount of the total assets of the NBFC in question to be deployed in the infrastructure area, both, at the time of registration, as well as a regulatory requirement, which has to be met over time. Breaching the same would result in non-fulfilment of the RBI regulations.
Impact of Ind AS on the qualifying criteria
The above requirement might seem simple, however, with the implementation of Ind AS on NBFC, there can be important issues which might result in the breach of the above requirement.
With the overall slogan of "Substance over Form", and promoting "Fair Value Accounting" and an aim to make the financial statements more transparent and just, Ind AS have been implemented. However, the same fair value accounting can result in a mismatch of regulatory requirement, to such an extent that the repercussion may have a serious impact on the existence of being an NBFC.
As already stated above, once an NBFC satisfies the qualifying criteria, it can deploy the remaining assets anywhere as per its discretion. Let us assume a case, where the remaining assets are deployed in equity instruments of other companies. All this while, under the Indian GAAP, investments in equity shares were recorded in the books of accounts as per their book value, but with the advent of Ind AS, most of these investments are now required to be recorded on fair values. This logic not only applies in case of equity instruments, but in other classes of financial instruments, other than those eligible for classification as per amortised cost method.
The problem arises when the fair value of the financial instruments, other than the NBFC category specific loans like infrastructure loans, exceed the permitted level of diversification (in case of IFC – 25% of the total assets). Such a situation leads to a question whether this will breach the qualifying criteria for the NBFC. A numeric illustration to understand the situation better has been provided below:
Say, an NBFC-IFC, having a total asset size of Rs. 1,000 crores would be required to have 75% of the total assets deployed in infrastructure loans i.e. Rs. 750 crores. The remaining Rs. 250 crores is free for discretionary deployments. Let us assume that the entire Rs. 250 crores have been deployed in other financial assets.
Now, say, after fair valuation of such other financial assets, the value of such assets increases to ₹ 500 crores, this will lead to the following:
Under Indian GAAP Under Ind AS
(in ₹ crores) As per a % of total assets Amount
(in ₹ crores) As per a % of total assets
Infrastructure Loans 750 75% 750 60%
Other financial assets 250 25% 500 40%
Total assets 1000 100% 1250 100%
Therefore, if one goes by the face of the balance sheet of the NBFC, there is a clear breach as per the Ind AS accounting, as the qualifying asset comes down to 60% as against the required level of 75%. However, is it justified to take such a view?
The above interpretation is counter-intuitive.
It may be noted that the stress is on "deployment" of its assets by an IFC. Merely because the value of the equity has appreciated due to fair valuation, it cannot be argued that the IFC has breached its maximum discretionary investment limits. The deployment was only limited to 25% or so to say that even though the fair value of the exposure has gone up but the real exposure of the NBFC is only to the extent of 25%. Under Ind AS, the fair value of an exposure may vary but the real exposure will remain unchanged.
Taking any other interpretation will be counter-intuitive. If the equity in question appreciates in value, and if the fair value is captured as the value of the asset in the balance sheet, the IFC will be required to increase its exposure on infrastructure loans. But the IFC in question may be already fully invested, and may not have any funding capability to extend any further infrastructure loans. Under circumstances, one cannot argue that the IFC must be forced to disinvest its equities to bring down its investment in equities, particularly as the same had nothing to do with "deployment" of funds.
This is further fortified by Para 10. Accounting of Investments, Chapter V- Prudential Regulations of the Master Direction – Non-Banking Financial Company – Systemically Important Non-Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016 about valuation of equities:
"Quoted current investments for each category shall be valued at cost or market value whichever is lower".
Hence, the RBI Regulations have been framed keeping in view the historical cost accounting. There is no question of taking into consideration any increase in fair value of investments.
Therefore, it is safe to say that while determining the compliance with qualifying criteria, one must consider real exposures and not fair value of exposures as the same is neither in spirit of the regulations nor seems logical. This will however be tested over time as we are sure the regulator will have its own say in this, however, until anything contrary is issued in this regard, the above notion seems logical.
http://vinodkothari.com/wp-content/uploads/2017/06/VK_logo-4-copy.png 0 0 Staff Publication http://vinodkothari.com/wp-content/uploads/2017/06/VK_logo-4-copy.png Staff Publication2019-07-23 11:27:582019-07-23 11:42:28Ind AS vs Qualifying Criteria for NBFCs-Accounting requirements resulting in regulatory mismatch?
Whether burden shared by captives comes under GST? BLOCKCHAIN-BASED LENDING – A PEER-TO-PEER APPROACH


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Q: How to FIX OutOfMemoryError for seemingly very light resource 64 byte I have got a android.view.InflateException, and further down the stacktrace, I've got this outOfMemory exception at the line where a 4 kb XML drawable is loaded with srcCombat into an AppCompatImageView.
   <androidx.appcompat.widget.AppCompatImageView
        android:id="@+id/img_arrow"
        android:layout_width="wrap_content"
        android:layout_height="wrap_content"
        app:layout_constraintBottom_toBottomOf="parent"
        app:layout_constraintEnd_toEndOf="parent"
        app:layout_constraintTop_toTopOf="parent"
        app:srcCompat="@drawable/ic_menu_profile_arrow" />

StackTrace::
Caused by java.lang.OutOfMemoryError: Failed to allocate a 64 byte allocation with 3187176 free bytes and 3112KB until OOM, target footprint 402653184, growth limit 402653184; giving up on allocation because <1% of heap free after GC.
   at android.graphics.drawable.VectorDrawable.inflateChildElements(VectorDrawable.java:853)
   at android.graphics.drawable.VectorDrawable.inflate(VectorDrawable.java:752)

Whats the meaning of this, I mean, if there is  3187176 free bytes why can't a 64 byte be allocated?
Whats the meaning of OOM, target footprint, and growth limit.


Hey there, pay attention here in order to Activate Luma Card or Luma Card Activation. Usually, it offers attractive cashback or rewards schemes are reserved for those with the strongest credit history. This post offers step by step by step guidance in order to Activate Luma Card. If you recently requested for the Luma Card or if you are a primary luma cardholder then this information will help you throughout the whole process. You will find here possible methods to Activate Luma Card.
Moreover, Luma Card Activation offers various benefits like Bonus offer, Cash Back offers, Discount offers, and Gifts etc. By paying through credit cards Luma Card offers benefits to strong credit holders. Though, If you want to get success in Luma Card Activation then you need to be very careful while following the procedure. Here, you can get details on how to activate Luma Card? Now, let's walk through the post and learn activation procedure.
Luma Card Activation helps credit cardholders to build a strong credit and offers various schemes like Discount, Bonus, Gifts and, Cash Back etc. The users will find available methods to Activate Luma Card. The users are suggested to follow the procedure step by step in order to get success in Luma Card Activation. Quick moves and available options are mentioned as follow.
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In order to Activate Luma Card via an online option, the users required an Internet access. Where they are asked to share their personal information in order to Activate Luma Card. Now, follow the quick steps in order to Activate Luma Card online.
First, The user needs to find the activation information on their card. users card should have a website where they can activate their card.
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After that, the users need to Log In to their account.
On the next page, the users will ask to share the information to activate their card. such as your credit card number, your name, and the security code, which you can find on the back of the card.
Finally, click the submit button. Once you've shared the information, confirm it to make sure it is correct.
If you find any issues while activating through online then you can go for another option.
The users can Activate Luma Card offline by using their phone. The customers just need to contact the service center and follow the prompts instructions. Now, let's focus on its procedure step by step in order to Activate Luma Card.
First of all, the users need to dial this phone number 0333 000 0477(for UK) or +44 333 0000 433(from outside the UK). The phone number to activate the luma card will likely be on the card. It may also be in the paperwork with the card.
The users required to get ready and get documents in their hand. You'll likely need your credit card number, your account number, and the security code on the back of the card. The account number should be with the information that came with the card.
Then you need to make a call to the number. Once you dial the number, you will likely reach an automated instruction. Follow the instructions given by the system. You may have to input information with the keypad, such as your credit card number or security code.
Finish the procedure. Once you've shared all the information, your card will be activated.
Note:- 0333 000 0477 use this number to clarify your doubts on Luma Card Activation.
As we know that Luma Card Activation or Activate Luma Card helps to improve credit and offers various benefits like a bonus, discount, cash back, gifts etc. By using Luma Card, the customers get shopping and purchase satisfaction. If you still have any queries then you can reach us at CARDSACTIVATION.


California is cracking down on teen smoking.
California lawmakers Thursday approved a bill that would raise the tobacco purchase age to 21, setting it on the path to be the first major state to adopt the measure.
The legislation was part of a package of tobacco measures — including restrictions on electronic cigarettes — that stalled last year. The bills were revived by their authors after Democratic Gov. Jerry Brown called a special session to address statewide health-care issues.
Following the state Assembly's approval, the bill will return to the Senate before moving to the desk of Brown. A spokesperson for the governor declined to comment.
If Brown signs the bill into law, it would mark a major victory for proponents who believe the change could reduce the number of teens who start smoking. It would also represent a major setback for Big Tobacco, which already is contending with declining sales in the U.S. as fewer Americans take up the habit.
The Assembly also approved new laws that would allow local governments to levy cigarette taxes and ban use of electronic cigarettes, which heat liquid nicotine into a vapor, in places where cigarettes are already forbidden.


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Enter new bassist Chris Aiken. This eight song EP (which by the way clocks in at 25:03 minutes) represented a new beginning for Strung Out. This album showcases the bands continued desire to set themselves apart. It was an artistic leap forward in defining their sound. It was released in June of 2000.


Helmet Check – have your child try on their bike helmet to ensure its still in proper working order. Be sure to look on the outside of the helmet for any cracks and make sure all the padding is in its proper position inside. My kids grow like weeds over the winter, so be sure to adjust the chin strap to make sure it is fitting properly to protect them.
The Play Area – it's important, especially early in the season to ensure all playground safety measures are in place. Walk around the playground and to be sure padding and turf are still in place at the bottom of the slide or around swings.
Test Outdoor Toys and Bikes – When you first bring their bike out from the basement or shed, check that the brakes are in good working order and tires are properly inflated. Also, double check that the chain guard is in place and not damaged. It's always a good idea to refresh all children on the rules for riding their bikes or playing on the street, regardless of their age. Watch for cars, check both ways when crossing the street or simply to stay on the side walk in busy traffic areas. For larger outdoor play structures, such as trampolines, be sure to clean and remove dirt, conduct an inspection to see if they are damaged in any way and that the safety features are fully functional.
Protect Their Skin – Check your local UV forecasts and remember the sun can burn all year round. Sunscreen is a good idea, even in the early Spring.
Sports – if your child is playing sports, make sure you are fully educated on the risks of the sport and purchase the proper protective equipment so they can play their game as safely as possible and enjoy it. Don't forget about their teeth, mouth guards a great way to protect against damage and help reduce the risks of concussions. Many different types of sports have some level of risk. Talk to your family doctor about ways you can reduce those risks and help find the right sport for your child.
Add Home Tech – If your doorbell rings constantly with kids calling your son or daughter, installing a Video Doorbell to record and remotely monitor who is at the door, at any time is very convenient. As an added measure, monitoring your yard with CCTV cameras in the front and back yards will not only allow you to keep tabs on what the kids are up to, but also adds a level of protection your home and your property. Pool owners should consider adding a door contact to the pool gate, which activates an alarm if someone tries to access your pool without your knowledge. Talk to your local alarm company to add any of these great tech features to your home for added peace of mind.
Have a happy, and safe Spring!


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Home Research Members Fellows Dr Selena Nemorin
Research Members
Dr Selena Nemorin
Dr Selena Nemorin is a lecturer in sociology of digital technology at the University College London. Her research interests include critical theories of technology, surveillance & society, data/IoT ethics, and youth and new media/technologies.
She has worked on research projects that have examined the uses of new technologies in digital schools, data/IoT ethics, educational equity and inclusion, as well as human rights policies and procedures in post-secondary institutions.
She tweets @digiteracy
Nemorin, S. (2017). Affective capture in digital school spaces and the modulation of student subjectivities. Emotion, Space & Society. doi.org/10.1016/j.emospa.2017.05.007
Nemorin, S. (2017). Post-panoptic pedagogies: The changing nature of school surveillance in the digital age. Surveillance & Society. 15 (2): 239-253.
Nemorin, S. (2017). Neuromarketing and the 'poor in world' consumer: How the animalization of thinking underpins contemporary market research discourses. Consumption, Markets & Culture, 20 (1), 59-80 22. doi: 10.1080/10253866.2016.1160897
Nemorin, S. & Gandy, Jr. O.H. (2017). Exploring neuromarketing and its reliance on remote sensing: Social and ethical implications. International Journal of Communication, 11, 4824-4844.
Selwyn, N., Nemorin, S., Bulfin, S., & Johnson. N. (2017). Left to their own devices: The everyday realities of 'one-to-one' classrooms. Oxford Review of Education. doi: 10.1080/03054985.2017.1305047
Nemorin, S. (2016). The frustrations of digital fabrication: An auto/ethnographic exploration of 3D 'Making' in school. International Journal of Technology and Design Education. doi: 10.1007/s10798-016-9366-z
Nemorin, S. & Selwyn, N. (2016). Making the best of it? Exploring the realities of 3D printing in school. Research Papers in Education. doi: 10.1080/02671522.2016.1225802
Selwyn, N., Nemorin, S., & Johnson, N. (2016). High-tech, hard work: An investigation of teachers' work in the digital age. Learning Media and Technology. doi:10.1080/17439884.2016.1252770
Bulfin, S., Johnson, N., Nemorin, S., & Selwyn, N. (2016). Nagging, noobs and new tricks – student perceptions of school as a context for digital technology use. Educational Studies 42(3), 239-251. doi: 10.1080/03055698.2016.1160824
Pinto, L. E. & Nemorin, S. (2015). Normalizing panoptic surveillance among children. Our Schools Our Selves, 24(2), 53-62.
Selwyn, N., Nemorin, S., Johnson, N., & Bulfin, S. (2017). Everyday Schooling in the Digital Age: High School, High Tech? Oxford: Routledge.
Nemorin, S. (2017). Online safety. In SAGE Encyclopedia of Out-of-School Learning, K. Peppler (Ed). Thousand Oaks, CA: Sage.
Selwyn, N., Nemorin, S., Bulfin, S., & Johnson, N. (2016). Toward a digital sociology of school. In Digital Sociologies, J. Daniels, K. Gregory, & T. McMillan Cottom (Eds). Bristol: Policy Press.
Boler, M. & Nemorin, S. (2013). Dissent, truthiness, and war: New media landscapes of 21st century propaganda. In The Oxford Handbook of Propaganda Studies, R. Castronovo and J. Auerbach (Eds.). New York, NY: Oxford University Press.
Selwyn, N., Johnson, N., Nemorin, S., & Knight, E. (2016). Going online on behalf of others: An investigation of 'proxy' internet consumers. Report for the Australian Communications Consumer Action Network, Sydney.
Selena Nemorin
Exploring the social and ethical implications of using autonomous robots in the classroom
End-of-project report from ACCAN project now available
LNM success in European conferences
LNM in Barcelona – Schools & Surveillance
The frustrations of digital fabrication: an auto/ethnographic exploration of '3D Making' in school
Students' perceptions of school as a context for digital technology use


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President Joe Biden speaks in the East Room of the White House in Washington, D.C. on August 12, 2021. (Photo: Mandel Ngan/AFP via Getty Images)
Dems in Congress Urged to 'Go Big' as Biden Endorses Bold Reforms to Slash Drug Prices
"Any Democrat who tries to block or water down drug pricing reform is betraying President Biden and his agenda. Worse, they are betraying the American people."
Congressional Democrats on Thursday faced calls to resist pharmaceutical industry lobbying and take action to lower sky-high prescription drug costs after President Joe Biden voiced support for several major reforms, including a popular proposal to allow Medicare to directly negotiate prices.
"American families have been getting mugged at the pharmacy counter while Medicare has one hand tied behind its back."
—Sen. Ron Wyden
In a speech from the East Room of the White House Thursday afternoon, Biden lamented the fact that the United States pays around two times more for prescription drugs than other rich nations and urged Congress to confront the long-standing crisis through legislation.
On top of allowing Medicare to negotiate with pharmaceutical companies over the prices of "a subset of expensive drugs" that have no competitors, Biden said lawmakers should impose a cap on the amount of money Medicare beneficiaries have to pay out of pocket for prescription medicines each year.
In 2019, according to the Kaiser Family Foundation, around 1.5 million Medicare Part D beneficiaries had out-of-pocket prescription drug spending above the catastrophic coverage threshold, which is currently set at $6,550.
The president also demanded that Congress pass legislation forcing drug companies to pay a penalty if they raise prices faster than inflation.
"This isn't a partisan issue," Biden said. "Alzheimer's, diabetes, and cancer don't care if you're a Democrat or a Republican."
Alex Lawson, executive director of the progressive advocacy group Social Security Works, said in a statement Thursday that Biden's proposed slate of reforms amounts to "a mandate" for Congress "to lower drug prices for everyone in America." Social Security Works, along with other consumer advocacy organizations, is also calling on Biden to use his executive authority to slash drug costs.
"Now, Democrats need to stand united and pass drug pricing reform into law as part of the Build Back Better package," Lawson added, referring to the sweeping legislative agenda that Democrats are working to pass using the filibuster-proof budget reconciliation process.
"Any Democrat who tries to block or water down drug pricing reform is betraying President Biden and his agenda," said Lawson. "Worse, they are betraying the American people."
Sen. Ron Wyden (D-Ore.)—chair of the Senate Finance Committee and author of a widely praised document outlining necessary steps to lower drug costs—applauded Biden's proposal as an important step toward ending the pharmaceutical industry's price-gouging.
"American families have been getting mugged at the pharmacy counter while Medicare has one hand tied behind its back," Wyden tweeted Thursday. "I'm working with Senate Democrats to make Medicare negotiation a reality for millions of families that need relief from high drug prices."


Western International University, best known as West, is a university that seeks to serve the adult learner who may not have time or a lifestyle that will facilitate a traditional learning environment. For this reason, Western International University performs a service that many other universities do not offer. At West, a student can pursue his or her entire degree online whether at the undergraduate or graduate level. West envisions a educational experience where the adult learner is valued and understood, where values such as "integrity, academic quality, and global awareness" are the foundation of education.
Since its inception in 1978, West has experienced substantial growth. Primarily, after West became a division of the Apollo Group it has grown extensively. Western International University has five different campuses: the Phoenix Campus, Scottsdale, Chandler, Salt River Project Facility and the Peoria Student Service Center. Western International University is fully accredited by the Higher Learning Commission, a member of the North Central Association of Colleges and Schools.
If you're searching to complete a master's degree, West offers several options including an MBA (Master of Business Administration), marketing, human dynamic, public administration, and innovative leadership just to name a few. In terms of undergraduate programs, West offers Bachelor of Science (BS) degrees in accounting, management, informatics IT, and business administration. There are also Bachelor of Arts (BA) degrees offered in behavioral science, criminal behavior, legal studies, and professional communication. Additionally, students at Western University can choose to pursue a double major if interested. Students can also pursue a minor.
If you're not yet ready to begin your educational endeavor at the bachelor or graduate level, an Associate of Arts (AA) in Business is available. There is also a certificate program in accounting.
Those students seeking to transfer from Western International after earning their AA degree will be happy to know that Western University has articulation agreements with several institutions. Contact an enrollment advisor for information regarding which schools and universities are in partnership with West.
Keep in mind also that there are certain academic standards that West expects students to honor, especially in terms of GPA. Students with less than a 2.0 are placed on academic notice, academic probation, academic suspension, and eventually academic dismissal, each respectively increasing in severity.
Course descriptions and degree requirements are clearly outlined in Western University's catalog. It should also be noted that all information related to the university's expectations and requirements are also clearly mentioned in this document which can be obtained online. That being said, prospective applicants are still highly encouraged to contact an admissions counselor at Western University. As it is the university's purpose to "provide programs that meet educational needs", they are more than willing to address your questions and concerns related to your educational goals as a prospective student.
As this university was established to educate the adult learner who has a certain level of responsibility outside of school, West tries to accommodate these individuals. For the most part, you can complete your classes in as little as 8 meetings and within two months. Furthermore, with certain courses you are only expected to attend class once a week. You also have the option to take only online classes or attend a traditional classroom setting. You could even try a mixture of both.
Unlike other schools that offer distance learning, West offers online education with interaction. For those who do not have the time to attend an actual physical class but enjoy the interaction possible between classmates and teachers, may consider West a good fit as it offers interactive online classes. You can decide to attend classes live online or review the recorded class session later at your earliest convenience.
Also, instead of spending hours going from bookstore to bookstore trying to find the cheapest priced book, standing in a line with 500 other students at the bookstore, or searching the internet for deals on your most needed books, eBooks are now available for all classes offered by West for the student's convenience.
All prospective students must complete an application for admission. Those seeking admission to undergraduate studies must have graduated from high school or earned a GED. Graduate students are required to have completed a bachelor's degree prior to admission. Prospective transfer students are also required to submit their official transcripts from all schools previously attended. Prior to admission Western International University prefers that students speak with an enrollment counselor. This individual will go in depth regarding admission requirements and expectations of Western International.
What makes West stand out from other universities is that it encourages students to interact with Western International staff regarding whatever questions they may have, the Financial Aid Department is no different. Students are encouraged to call or email someone from West to answer any questions they may have regarding tuition, fees, or payment options.
No matter the question you may have, your initial step will be to complete a Free Application for Federal Student Aid, otherwise known as the FAFSA. Your answers on this application will determine your eligibility for all federal loans and grants. This information will then be communicated to you by Western International.
Students are encouraged to seek out scholarship opportunities prior to applying for admission. Many scholarships have deadlines months in advance of when admission applications are due. For this reason, if you are interested in pursuing a degree at West, or any university for that matter, you should try searching for funding relatively early. This can mean contacting the financial aid office at West or simply using an internet search engine to look for funding sources. Most scholarships are either need-based or merit-based and sometimes a mixture of both. Be sure to check the deadlines and requirements for every scholarship you are interested in as to not miss any available opportunities.
The only in house scholarship available to West students is the West Scholarship which awards up to "$3000 quarterly". This scholarship is awarded both on merit as well as need. Qualifications for the scholarship includes, successful completion of 4 courses at Western International within the previous year, at least a 3.0 as an undergraduate or a 3.5 as a graduate student and if you are an international student applying for this scholarship, you must be "in compliance with SEVIS".
In order to apply, applicants must write an essay and submit a recommendation from a faculty member. The application information can be found on the web page.
Ranks 1069th for the average student loan amount.
Western International may have a strong online presence, but this does not equal a lack of organizations in which students can become involved. In fact, West students are invited to join several honor societies, be a part of SCORE, and participate with West International Friends. West International Friends constitutes the community of West including staff, students, and faculty that are committed to ensuring a quality educational experience for all students.
Those students interested in an organization focused on business can look into SCORE. SCORE is the Service Corps of Retired Executives. Individuals involved with SCORE include former business managers who share their insights, past experiences, and ideas with others at no cost.
Additional student associations include Delta Mu Delta, Golden Key, and Upsilon Pi Epsilon and particularly for international students, WIU International Friends (WIF) is an option affiliated with the International Student Association.
You may be confused as to how you can buy books if you attend all your classes online. Well, besides the ebook option there is a physical bookstore actually located at West's Phoenix Campus. You can order books from here and have them shipped virtually anywhere.
For those of you who are concerned about having access to resources while taking courses online should be comforted by the fact that WIU offers an online library. Because of the special nature of West's programs, it has an extensive collection of online databases of which students are given access.
Among other services, West offers a tutoring service and a writing center. Individuals that may need additional help in certain subjects or need to freshen up on certain basic skills for college-level courses like grammar, sentence structure, and diction may find it useful to contact someone at the Writing Center. All assistance is provided through email. Likewise, consider seeking out tutoring through Western Intertnational if you feel that you need help in additional subjects like accounting, business, or economics. Sometimes it is not that we do not understand the subject, it is just that more time is needed to grasp the subject.
Despite its unconventional mission, there are still certain aspects of West that are very traditional. For example, there is a Learning Resource Center which students have access to at each campus. Basically the Learning Resource Center is comprised of computer labs that students can use to complete class assignments. Also like a traditional university, West offers disability services, no matter which campus you choose to attend.
Perhaps what Western International is particularly noted for is how accessible it is for military students. In fact, West was recently recognized in the magazine G. I. Jobs for being considered "military friendly." For students in the military who are stationed throughout the world, having an option such as Western International allows them the security of earning transferable credit and the flexibility to pursue their academic goals. It is for these reasons that West was recognized by G. I. Jobs. Western International grants opportunity to all, when under normal circumstances, the opportunity would not have been there at all.
Ranks 333rd for the average full-time faculty salary.
StateUniversity.com has no official or unofficial affiliation with Western International University.


Falconry…the sport of throwing pointy, angry feathered things at small animals for fun.
Best Falconry "Oops" lines heard out in the field. Insert your own @#&*?! explicatives where applicable.
I forgot my Falconry glove.
I forgot the transmitter / receiver / telemetry.
I forgot to turn the transmitter ON!
She's never done that before.!?!
This sounds like the words of an experienced falconer, one who has been trapping birds of prey for many years. So often we get focused on the routine, the regular stuff that an apprentice and a master do during an apprenticeship. We trap Red-Tails, and after you've done it for a while, you know the routine, and it seems pretty easy. Easy enough to teach an apprentice how to do. Now, Trapping Merlins is a whole different ball-game. You need different equipment: a blind, dho-gaza trap or mist net, harnessed live bait, usually a bird. You need different terrain: preferably a beach along a migratory bird route. You need patience: *lots* of patience, as you wait for a bird to fly by and locate your bait. You need to maintain a hidden and quiet posture in your blind; once false move and the Merlin may spook and not see your lure bird. Someday, I hope to embark on a trapping adventure that involves a Merlin or other bird of prey that I have yet to interact with.


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Arizona/Local
Fiction/Satire
Music/Arts
MT_Stylebook
Daniel Craig Is
A Bond To Remember
2006 James Bond movie Casino Royal.
2008 James Bond movie Quantum of Solace.
2012 James Bond movie Skyfall.
2015 James Bond movie Spectre in theaters soon.
The Blond-Haired British Actor Cemented His Legacy As One Of The Best Bonds Ever By Departing From The Franchise's Roots And Attracting A Younger Audience
By Ryan Scott
Modern Times Magazine
Nov. 11, 2015 — With the release of Spectre, fans are being treated to the 24th film in the James Bond series, which makes it by far the longest running franchise in film history. The newest edition also happens to be the fourth, and very likely last, Bond film that will feature the current 007, Daniel Craig.
Craig was recently quoted as saying he would rather "slash his wrists" than do another Bond film, so for those hoping he will change his mind, don't hold your breath. That means Spectre, is the actor's final chance to cement his legacy as world's most famous spy. Critics are giving the film fairly mixed reviews, while audiences seem to like it, given that it has a 70 percent approval rating from fans on Rotten Tomatoes and 7.4 fan rating on IMDB.
However, the actors who play Bond are never remembered in the history books for a lone film, with the exception of George Lazenby for On Her Majesty's Secret Service. Rather, they are judged on the sum total of their collected filmography, and, if this really is his last go, Craig's legacy will be nothing shy of iconic.
The main thing that Craig managed to do was to make Bond relevant to a generation that largely didn't care that the character despite its rich history in cinema and pop culture in general for that matter. Sure, many younger consumers played Goldeneye for the Nintendo 64, but that didn't leave them with the same attachment to the character experienced by earlier generations.
More to that point, the last person to take up the mantle of 007 before Craig was Remington Steele himself, Pierce Brosnan. Many people who didn't grow up watching television in the mid '80s may be asking "who is Remington Steele?" And to that I say, exactly.
Brosnan, like Craig, did four Bond films, starting with 1995's Goldeneye. It had been six long years since Licence to Kill disappointed on all phases, and Goldeneye was the first well-received Bond film to come along in arguably more than a decade. This, however, did little to insert Bronson into the pantheon of iconic Bonds.
The problem is that Brosnan was a bit uneven and each film took a slight dip in quality (critically speaking) after Goldeneye. In 2002, the franchise fell off a cliff when Die Another Day came out. Many consider it to be one of the, if not the worst, film the series has ever produced, and it forced a change of direction, which meant forcing Brosnan out of the role.
Enter Craig. Because of the positive critical and commercial response to Craig's Bond, it is very easy to forget now that there was utter and complete outrage when Craig was cast as 007. Why? Well, because Craig has blonde hair and James Bond doesn't. He is supposed to have dark hair and a lot of it all over his entire body, that's why.
In spite of the outcry, the franchise had its first blonde Bond. However, much like uproar over Heath Ledger's casting as the Joker in The Dark Knight, a great performance and a great movie shut the critics up pretty quickly.
Casino Royale came out in 2006 and right out of the gate made everyone painfully aware that this wasn't going to be like the 1960s chest-hair plastered Bond that generations prior had loved. It was the first proper origin story for Bond on screen, and it was also a total smash hit with critics and fans. It was gritty; it was sexy; it was modern; and it was fresh.
"Unlike recent Bonds, whose kills had no more weight than the one-liners that generally accompanied them, Craig's tend to be intimate, bloody, and devoid of glamour," said film critic Christopher Orr of Casino Royale, expressing why Craig's Bond managed to be a success.
The film currently holds a 95 percent approval rating from critics on Rotten Tomatoes and went on to gross just shy of $600 million at the global box office. The sins of Brosnan and Dalton were wiped clean and Bond was back in a big way. Then, Quantum of Solace happened.
In fairness to Quantum, there was a writers strike going in in Hollywood at the time, and it is rumored that it led to something of a troubled production for Craig's second outing as Bond. The film quietly made $586 million worldwide even though critics and fans don't love Quantum of Solace, to say the least. The film has a mere 58 percent approval rating from fans on Rotten Tomatoes.
The thing is, quality isn't what fuels Hollywood. It is the almighty box office. So, since the dollars kept rolling in, Craig got another crack at reviving the franchise, even if it did take four long years to make it happen.
Skyfall finally came out in 2012 and to say it was a bounce back from Quantum of Solace, would be putting it very lightly. First off, critics and fans loved it, as it currently holds a 93 percent approval rating from critics on Rotten Tomatoes and an 86 percent from fans.
It was also a huge commercial success. The film went on to be the highest-grossing Bond film ever, raking in more than $1 billion at the global box office.
"Skyfall does what no other 007 film has done before; humanize the secret agent by giving him a discernible past, a home turf, a family heritage and ambivalent feelings about his job and life," said film critic Dann Gire upon the film's release. And that is one of the most important elements of Craig's legacy.
That is also a likely reason why Spectre is being looked upon less favorably by critics. Following up Skyfall was a near impossible job, and it would seem like a fool's errand to try and satisfy everyone.
The thing to note though is that, prior to Spectre, each of the three previous Craig entries in the Bond franchise were not in line with the long standing formula that has been established and carried out by every actor to play Bond prior.
Casino Royale was a gritty origin wrapped in a love story and a poker game. Quantum of Solace was a direct sequel that was viewed as very flawed, and Skyfall was an all-out, action-packed spectacle that had Bond going rogue and took on a scale that simply couldn't be topped.
Spectre, by comparison, is that return to legacy Bond form and longtime franchise fans will likely appreciate that it feels more like a classic Bond film than anything Craig has done to date. It also factors into Craig's legacy to know that he can and did do a quality procedural Bond film.
The fact of the matter is, Spectre already set an opening weekend record in the U.K. and is pulling in numbers barely shy of Skyfall while dealing with stiffer competition at the box office. Point being, this generation clearly loves Bond again and loves him because of Craig.
Ultimately, Craig's tenure as 007 saw both the longest (Spectre) and the shortest (Quantum) Bond films ever. It also featured the first origin ever for Bond on screen, the first film in the franchise to gross 10 figures, the oldest Bond girl (Monica Bellucci) to ever grace the screen and now has many who say that Craig will go down as the best Bond of all time. Though, a Scottish man named Sean Connery will always have something to say about that.
But then again, Connery was happy to take a paycheck and phone it in a few times as 007, whereas Craig looks like he is going to leave us wanting more, which is something all great performers do.
One thing is fairly certain and that is this: whoever plays Bond next will not be compared to Connery like every Bond who succeeded him. He will be compared to Craig, and that really says something.
Ryan Scott is a contributor to Modern Times Magazine.
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THERE IS LOUD, AND THEN THERE IS SEATTLE LOUD. FOOTBALL FANS IN THE EMERALD CITY HAVE LONG HAD A REPUTATION FOR BRINGING THE NOISE. WE COULD HEAR THEM FROM 3,000 MILES AWAY, AND IT CONVINCED US THAT THE XFL NEEDED A PERMANENT HOME IN THE RUGGED NORTHWEST. SEATTLE IS A TECH-FORWARD, ENVIRONMENTALLY PROGRESSIVE, FUTURE-LEANING CITY. IT'S A PLACE WHERE YOU CAN REIMAGINE THE WORLD. WE WERE HARD-PRESSED TO FIND A BETTER PLACE TO REIMAGINE FOOTBALL IN 2020.
Ryan Gustafson, most recently the Vice President of Business Strategy & Development for Sounders FC, has been named President of the XFL football team in Seattle.
Zorn spent 11 years as a quarterback in the NFL, having the distinction of being the expansion Seattle Seahawks' first signal caller in 1976. He also played for the Green Bay Packers (1985) and the Tampa Bay Buccaneers (1987). A rare left-handed passer, Zorn threw for more than 21,000 yards during his NFL career, with 111 touchdowns, and rushed for 1,504 yards scoring 17 touchdowns. He played his college football as a quarterback at California State Polytechnic University, Pomona.
Zorn began a successful college coaching career in 1989 as an offensive assistant and quarterbacks coach at Boise State University. In 1992, he became offensive coordinator at Utah State University for three seasons before moving on to the University of Minnesota as quarterbacks coach from 1995 to 1996.
Zorn transitioned to NFL coach in 1997. He served two stints with the Seahawks, first as an offensive assistant (1997), then as quarterbacks coach (2001-2007). He also worked as quarterbacks coach for the Detroit Lions (1998-2000), Baltimore Ravens (2010), and Kansas City Chiefs (2011-2012). Players benefitting from his expertise include Charlie Batch, Matt Hasselbeck, and Joe Flacco. Zorn served as the head coach of the Washington Redskins in 2008 and 2009.
Coach Zorn is well-known in the Pacific Northwest and will be returning to his professional football roots to build the XFL team in Seattle. The XFL will kick off on Feb. 8, 2020.
Join us when we kick off in February 2020 by making a season ticket deposit today! Your deposit gives you early access to purchase season tickets before the general public. Secure your place in the league's history now.
After you purchase a season ticket deposit, we will notify you when the deposit can be applied to purchasing tickets at CenturyLink Field. Season ticket deposits are non-refundable.
Each season ticket deposit reserves one seat for each of the five home games.
CenturyLink Field has been the home of the Seattle Seahawks since 2002, and in 2020 it will become home to Seattle's XFL team. The open-air football stadium has a capacity of over 68,000 and a roof covering 70 percent of the seating area. Its wide concourses offer outstanding views of the Seattle skyline, nearby Safeco Field, the Cascades and Mount Rainier, Puget Sound and the Olympic Mountains. The stadium was uniquely constructed for sound and has twice held the Guinness World Record for loudest crowd at an outdoor stadium.
The movement has started. Get everything you need to be a part of history.
We've announced our new XFL team in Seattle, and in the coming months we will be developing teams, hiring coaches and players. Let's build this team together!
TM & © 2019 XFL. All rights reserved.


And now, the easiest job in the world. Subtitle guy for Top Gear.
Update: Whee! Got a mention in newsletter 433!
Click* for wonderful privatised version in higher definition, brighter colours, and with more attractive pilot.
...is a myth. This is the real reason video cameras are not allowed during a birth.
Clicky for biggie. And yes, that is my son, James. And yes, my wife will kill me if she sees this image.
"It's not me it's you"'s post reminded me of a coat I had at school. It was about 1982, and I wanted a parka, the cool kind with the furry collar.
Well, I very nearly got one. Instead I got a coat which, while undoubtedly having a furry collar, seemed to be made of neoprene. Yes, the stuff you make wetsuits out of.
Now, I am not being ungrateful, because (a) the family were pretty skint at the time, (b) I don't think it was actually that cheap, and (c) this was in fact the most amazingly waterproof coat in the world and I never got wet or cold wearing it, no matter how hard the rain or how late the bus. Thanks, Dad!
But the reason it's in the "tat" QOTW was because of its amazing rubbery properties.
The same property meant that it would stand up by itself. You could zip up the front, hold it by the hood, and place it gently on the floor, where it would stand, looking like an invisible Eskimo just after stepping in a seal hole.
When you're 12, this is endlessly amusing.
One sunny day, when I was about 8, I was walking back to our house from the village with my Dad.
"Let's run," he said. "Why?" "Because one day, we won't be able to."
We ran home for no reason.
Still clear as a bell after 35 years.
Was posting an answer to next week's QOTW.


text:
Pelosi orders removal of Confederate portraits from Capitol
In this May 20, 2020, file photo, House Speaker Nancy Pelosi of Calif., speaks during a news conference on Capitol Hill in Washington. Congress is at a crossroads in the Covid-19 crisis. Lawmakers are wrestling over whether to "go big" as Pelosi wants for the next relief bill or hit "pause" as Senate Majority Leader Mitch McConnell insists. (AP Photo/Manuel Balce Ceneta)
WASHINGTON (AP) — House Speaker Nancy Pelosi said Thursday she is ordering the removal from the Capitol of portraits honoring four previous House speakers who served in the Confederacy.
In a letter to the House clerk, Pelosi directed the immediate removal of portraits depicting the former speakers: Robert Hunter of Virginia, James Orr of South Carolina and Howell Cobb and Charles Crisp, both of Georgia. The portraits were to be removed later Thursday.
Calling the halls of Congress "the very heart of our democracy,″ Pelosi said, "There is no room in the hallowed halls of Congress or in any place of honor for memorializing men who embody the violent bigotry and grotesque racism of the Confederacy.″
Pelosi noted that Friday is Juneteenth, honoring the day in 1865 when many African Americans learned of the end of slavery after the Civil War. She called Juneteenth "a beautiful and proud celebration of freedom for African Americans" and noted that this year's celebration comes "during a moment of extraordinary national anguish, as we grieve for the hundreds of Black Americans killed by racial injustice and police brutality, including George Floyd, Breonna Taylor, Ahmaud Arbery and so many others."
Orr, who served as speaker from 1857-59, swore on the House floor to "preserve and perpetuate" slavery in order to "enjoy our property in peace, quiet and security," Pelosi said in her letter. Hunter, who served at nearly every level of the Confederacy, including as Confederate secretary of state, served as speaker from 1839-41.
Cobb served as speaker from 1849-51, while Crisp served after the Civil War, from 1891-95.
Earlier this month, Pelosi urged the removal of Confederate statues from the Capitol and the renaming of U.S. military bases that honor Confederate Army officers.
By MATTHEW DALY Associated Press
by Richie Mills / Jan 15, 2021
NEW ORLEANS — Leonard Fournette's second game in the Superdome this season could be the first chance his family and friends here in New Orleans get to see him play his hometown team as a member of the Tampa Bay Buccaneers.
"I hope so, waiting to see right now. The process for tickets is different. So, just waiting to see. I wish Covid wasn't here, I'd have my whole hood in the game if that's the case," says Tampa Bay Buccaneers Running Back Leonard Fournette.