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Bharti Airtel Limited is one of the leading global telecommunications company with operations in 20 countries across Asia and Africa. In India, the company's product offerings include 2G, 3G and 4G wireless services, mobile commerce, fixed line services, high speed DSL broadband, IPTV, DTH, enterprise services including national & international long distance services to carriers. This company is known to provide the best and the cheapest talk time plans for the country with their Airtel discount coupons.Airtel provides talk time offers in AP, Kerala, Karnataka and Tamil Nadu which starts from a minimum price range of Rs 15. This full talk time offer is by far the best and the cheapest talk time offer ever launched. Airtel has such amazing offers in Bihar, Odisha too. The offers differ from region to region depending solely on the data obtained by their annual researches. If you're a resident of the capital city then Airtel has launched offer for Delhi which you can look up on their site and choose one according to your requirement. Other than these offers, you can also look for Airtel promo offer for regions like west Bengal, Assam, Himachal Pradesh etc.
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Compare the UK's best mortgage lenders to find the latest deals of 2019.
We know that deciding to take out a mortgage is a big financial commitment – something that you shouldn't rush into without exploring your available options. That's why we have designed this page to help you cut through the industry jargon to better understand how mortgages work and how you should compare the different deals that are out there.
Estimate the size of mortgage that will be available to you based on factors like your income and deposit.
Estimate your monthly repayments in seconds from your mortgage amount, interest rate and duration.
Buying a property over £125,000? Calculate how much you will pay in stamp duty with our handy calculator.
Barclays is a British multinational banking and financial services company with operations in retail, wholesale and investment banking, as well as wealth management, mortgage lending and credit cards.
Halifax is a British bank operating as a trading division of Bank of Scotland, itself a wholly owned subsidiary of Lloyds Banking Group, which had developed into the UK's largest building society and continued to grow and prosper and maintained this position within the UK until 1997.
Accord Mortgages is an intermediary-only lender, operating as a subsidiary of Yorkshire Building Society, it is considered to have one of the best intermediary services in the country with fast response time, competitive rates and dedicated customer service.
The Coventry Building Society is the third largest in the United Kingdom that also provides a range of mortgages to the people throughout the nation.
Digital Mortgages, a venture from digital-only Atom Bank draws customers with its competitive rates, effective technology and easy application process.
Post Office provides Fixed rate mortgage, Tracker mortgage and other options to their customers, whether it's your first home, your existing property or you're moving home, you can get help on every step of the way.
Clydesdale Bank is a commercial bank that offers deals with minimum amounts which excludes offset variable, buy-to-let, private mortgages and internal product switches.
Bank of Ireland (UK) plc offers products in the UK market and provides specialist advisers who can help recommend the right mortgage for you, work out how much you can borrow and choose a selection of rates to suit your circumstances and a fixed rate mortgage.
Godiva Mortgages is the Coventry Building Society's provider of buy-to-let mortgages which is an intermediary-only service that provides a range of schemes with desirable benefits as well as an online application service and telephone advisors available to discuss your particular needs.
Scottish Widows Bank operates financial products and services, including an award-winning range of mortgage schemes that have been designed with flexibility in mind and are designed to suit a wide variety of customers.
The Principality Building Society serves clients through the internet and telephone as well as at high street branches and expanded into personal loans.
West Bromwich is the seventh-largest building society in the UK and is known for their selection of mortgage packages on offer, which have achieved national recognition.
The Mortgage Works is the intermediate-only lending subsidiary of Nationwide Building Society, specialising in buy-to-let mortgage services with an innovative range of products which are available in England, Wales and mainland Scotland.
Tesco Bank operates under its own banking licence under the Financial Services Compensation Scheme, offers an award-winning range of fixed rate and tracker mortgages with competitive rates, whether you're a first-time buyer, moving home or looking to remortgage and gives you Clubcard points on your monthly repayments.
Sainsbury's Bank offers insurance, travel money services, mortgages and more with extra rewards when using the bank.
NatWest, also known as National Westminster Bank, was established in 1968 by the merger of National Provincial Bank and Westminster Bank. Since 2000, part of the Royal Bank of Scotland Group.
The finder.com mortgage service is provided by London & Country Mortgages (L&C). Beazer House, Lower Bristol Road, Bath BA2 3BA.
L&C are authorised and regulated by the Financial Conduct Authority (reg no. 143002). Please note the FCA does not regulate most Buy to Let mortgages.
Compare which mortgage deals are best to help you jump on the property ladder.
Explore your options and see if you can switch mortgage deals to save money.
Secure your dream home with these mortgage deals.
Invest in property with these buy to let mortgage deals.
Take a look at our guide to buying a property overseas.
Whether you're buying a house, unit or apartment, most of us don't have enough money tucked away to cover the full purchase price. In order to get the full amount needed to buy a property, we need to borrow money through a mortgage.
A mortgage is an arrangement where you borrow money from a lender to buy a property, whether as a home or investment. It usually lasts for between 25 – 35 years.
You'll usually pay your loan off in instalments known as repayments. These are usually required every month.
A mortgage can also be known as a home loan or as home finance.
These figures are taken from UK Finance (formerly the Council of Mortgage Lenders) and are based on gross lending amounts.
Finding the best mortgage rate is tricky because many deals start with a low, fixed rate which then becomes a higher, variable rate after a set period of time – typically between 2 and 10 years. This means you can end up paying more than you expected if you end up on the variable rate. Our table shows a list of mortgage providers offering repayment mortgages on a property worth £250,000 with a mortgage amount of £200,000 over a 25 year period. The initial rates shown are set to up to 2 years fixed and after that the variable rate begins. These rates are based on an 80% loan-to-value(LTV) ratio. Explore further and find the best rate including total amount payable at London and Country.
These rates were taken on the 18 December 2018 from L&C.
Unlike a variable rate home loan where repayments move up and down, fixed rate repayments remain unchanged for a set period. This means that for the length of your fixed rate term — usually between one and five years, but sometimes as great as 10 or even 15 years — you'll know what your repayments will be.
Tracker mortgages move in line with a nominated interest rate which is usually the Bank of England base rate. The actual mortgage rate you pay will be a set by your lender at an interest rate above or below the base rate. When base rate goes up and down, your mortgage rate will go up and down by the same amount.
A discount mortgage works by setting a discount on a lenders standard variable rate (SVR). This means the interest rates can go both up or down in line with the SVR.
Standard home loans have repayments that include both the interest and a small proportion of the capital. If you remove this capital portion from the equation, you can reduce the amount you make in repayments each month. This can be good for some borrowers, including investors and those building a property, but there is an added risk with this type of loan as your loan amount doesn't reduce, meaning you will still have to pay the whole capital off at the end of the term.
Offset mortgages are linked up to your savings account and can help to reduce your interest payments. Any money deposited into the account offsets interest on your mortgage. For example, if you have a mortgage of £100,000 and savings of £25,000, your mortgage interest is calculated on £75,000 for that month.
This cuts the amount of interest you pay but the mortgage rate is likely to be more expensive than on other deals. You can still access your savings if you need to but the more you offset, the quicker you'll repay your mortgage.
This is a type of variable rate mortgage but one with a limit or cap on how high your interest rate can rise. So you can benefit from low interest rates but also enjoy the comfort of knowing that your interest rates will never exceed a certain level.
When you take out this kind of mortgage you also receive some money back. This is normally a percentage of the loan.
This option is available on many other types of mortgage and it allows you some flexibility when making repayments. You can choose to pay more when you can afford it and if you have already overpaid then you can pay less or take a payment holiday. These types of mortgages tend to have higher interest rates than other deals.
These types of mortgages are designed for people that either have no deposit or are struggling to save a significant deposit. Loan-to-value rates of 95% or 100% typically incur higher interest rates. Although they were previously widely offered, 100% mortgages fell out of favour after the financial crisis, and now only tend to be offered when a family member is able and willing to provide a guarantee secured against their own residential property.
Buy to let mortgages are for people who want to buy a property and rent it out rather than live in it themselves. The amount you can borrow is at least partly based on the amount of rent you expect to receive.
Struggling to understand mortgage jargon?
We know that sometimes it seems as though the financial world operates in a different language altogether making it hard to understand what you're getting into when applying for a mortgage. So to help you out, we have created a mortgage A-Z to simplify the terms your most likely to come across in your application.
Mortgage arrangement fee. This is the fee that your mortgage lender charges to set up your mortgage.
Product fee. Many lenders will charge you a product fee which is the cost of choosing a specific mortgage.
Valuation fee. This is a fee charged by your mortgage lender for them to carry out valuation of the property you would like to purchase the mortgage for.
Legal fees. A legal professional will need to look over your application to make sure it's compliant.
Stamp duty. If your property costs over £125,000 you'll have to pay stamp duty, which is a certain type of land tax. You'll usually have to pay this tax as an upfront fee within 30 days of settlement.
Repayments. The biggest cost of a mortgage is in the regular repayments you have to make on it. Your repayment amount is set by your lender and takes into account the interest rate, how often you'll be repaying and the length of the loan.
Early Repayment Charge. If you repay your mortgage early or overpay more than your overpayment allowance some mortgage providers will charge you an early repayment fee.
Redemption administration fee. This is a fee charged by your lender in order to close your mortgage at the end of the term.
How to prepare when applying for a mortgage?
Make sure your credit report is in order. You can get a copy of your credit report online. Its a good idea to make sure your address history is accurate and it also might help to be registered on the Electoral Roll at your main address.
Ensure your ID and address documents are up to date. Some mortgage lenders will ask you to provide proof of ID or address to satisfy money laundering requirements and these must be the original document, not a copy, and be current and valid.
Where is your deposit coming from? All lenders will want to see where your deposit is coming from and whether it is a gift or part of your savings. For example, if the money is coming from your savings account then you will be required to show bank statements as evidence.
Have all your income proof ready. Your lender will want to know how much you earn, so it is a good idea to have your income proof readily available for your application. You may be required to present your latest 3 months payslips/bank statements, or your latest P60. The documents you will need to supply depends on the requirements of the specific lender.
Check your solicitors are on the lender's panel. Lenders these days are extra careful about which lawyers you are using to target mortgage fraud. Ask your solicitor if they can work with most lenders, make sure they are a reputable firm.
What are your plans for the property over the next few years? Match your mortgage to your future plans. For example, avoid taking out a fixed rate loan if you plan to sell the property shortly after buying it. Many fixed rate mortgages charge a penalty if you pay them off before the end of the set period which can be expensive.
How do I find the best mortgage deals of 2019?
Decide on a loan type. First, decide whether a fixed rate or variable rate mortgage is more suited to your plans and budget. This is also a good time to find out what your credit score is and know what loans are available to you.
Compare different lenders for different loans. Compare what different banks and lenders are offering for your chosen loan type and down payment. It is also important to always get more than one quote when looking for a mortgage. This will ensure you get a good mix of options from different types of lenders.
Ask for a Key Facts Illustration. A lender must give you a loan estimate by law. This will show you interest rates, repayment costs and closing costs for your potential mortgage. Some lenders also have a mortgage calculator feature on their website where you can receive a quick quote.
Repeat until you find a loan you want. It's normal to ask for loan estimates from more than one lender until you find a loan you're happy with.
L&C is a specialist broker offering mortgage comparison & free advice.
I've used London and Country Mortgages three times so far and always very successfully.
One word… Trust. I have confidence in your advice, something often missing with financial services.
I can't praise L&C enough. They listened to my needs, understood and sought the best offer for me and my partner.
Are there Lenders who offer mortgages internationally/worldwide and at competitive interest rates and regardless of your country of residence?
I'd really be interested to know i can access mortgage package from global Organisations with favorabla repayment terms.
As of now, we currently don't have a list of lenders who offer a mortgage on an international level. However, a quick search on the Internet should give you a list.
HI, I'm currently working aboard and therefore have rented out my uk home. I don't make any money as the rent only just covers the mortgage. With Brexit is it going to be better to sell? I'm worried if the house prices go down i'll be in negative equity.
It would be difficult to give you a personalised answer since I'm not completely aware of your situation. However, what you can do is to research the market. According to the trend, housing price growth in the UK has slowed since the EU referendum in June 2016, with considerable variation among regions.
Please seek professional and expert advice. Acquire as much information as possible before making a decision.
It's possible that there are lenders who accept applications from residents working overseas, however, we are yet to have a dedicated page for it.
You may opt to reach out to the lenders featured on this page to consult on what options they can offer you based on your personal circumstances.
Please ensure to read the details, as well as the relevant Product Disclosure Statements/ Terms and Conditions of the option before making a decision and consider whether the product is right for you.
My partner and I want to buy a house together but as my credit rating is poor we decided it best for him to apply for a mortgage on his own. Can I get my name put on the deeds as I will be paying half the mortgage?
Thank you for your inquiry. Yes, any transfer would have to be with the consent of the mortgage lender. Both of you and the lender will enter in a mortgage deed, to set out the terms. Your lender will run through a similar process to a new application whereby they will check affordability, credit history and identity of both applicants prior to agreeing to add someone on to the mortgage. If you get an approval, a solicitor will be able to advise you on the most suitable way to set the property ownership (tenants in common or joint ownership) and of any potential tax liabilities (e.g. stamp duty) that may arise.
Please bear in mind that, changing the mortgage to a joint basis or taking joint bank account, will make your partner's credit become associated with your own. You can learn more about the process and the forms needed on this page.


text:
City proposes reforms to cut down on tax credit errors
Finance Dept. looks to automate tax calculations
Updated: 9:40 AM EDT Oct 8, 2013
Baltimore City officials said they're working to correct tax credit errors that are costing the city money.Officials told 11 News that the errors have been traced to the city's property tax programs. Mayor Stephanie Rawlings-Blake announced a series of reforms Monday aimed at cutting back on future mistakes."This is an issue of fairness to people who have done the right thing but are paying the price for an inefficient and poorly coordinated system," Rawlings-Blake said. "This administration has worked diligently to proactively identify errors and overtime. We have put in place mechanisms to crack down on mistakes. I believe the reforms we are highlighting will go a long way toward building the public's confidence in our ability to provide correct tax bills."The reforms include considering transferring tax calculations and collections to non-government control."One of the things we've come to understand in terms of some of the root-cause analysis of the errors is that there are too many hands actually touching the process. So, the idea is to eliminate as many hands as possible by introducing automation," said Harry Black, the director of the city's Department of Finance.Officials said they hope to have the new automated system in effect across the city by March 2014. Once that happens, the mayor said automation will help make sure the city is collecting the proper amount of tax revenue it's owed.The City Council will consider the resolutions, including one calling for an audit of the city's tax programs.
Baltimore City officials said they're working to correct tax credit errors that are costing the city money.
Officials told 11 News that the errors have been traced to the city's property tax programs. Mayor Stephanie Rawlings-Blake announced a series of reforms Monday aimed at cutting back on future mistakes.
"This is an issue of fairness to people who have done the right thing but are paying the price for an inefficient and poorly coordinated system," Rawlings-Blake said. "This administration has worked diligently to proactively identify errors and overtime. We have put in place mechanisms to crack down on mistakes. I believe the reforms we are highlighting will go a long way toward building the public's confidence in our ability to provide correct tax bills."
The reforms include considering transferring tax calculations and collections to non-government control.
"One of the things we've come to understand in terms of some of the root-cause analysis of the errors is that there are too many hands actually touching the process. So, the idea is to eliminate as many hands as possible by introducing automation," said Harry Black, the director of the city's Department of Finance.
Officials said they hope to have the new automated system in effect across the city by March 2014. Once that happens, the mayor said automation will help make sure the city is collecting the proper amount of tax revenue it's owed.
The City Council will consider the resolutions, including one calling for an audit of the city's tax programs.

redpajama_set_name: RedPajamaCommonCrawl


Adventure journey beckons the curious, the fun-seeker, the boundary-pusher. Traditional Journeys specializes in boutique, small-group, soft-journey journey. Proudly impartial and with a workforce of among the most travelled workers in the industry you may all the time find someone to speak to who has actually been in your chosen trip. Access to inexpensive consumer know-how, with respect to International Positioning Methods , flashpacking , social networking and photography , have increased the worldwide interest in journey journey.
Perhaps much more than merely being in the experience" enterprise, the journey journey industry may very well be a leader within the transformation" enterprise. The corporate has itineraries designed for the beginner, intermediate, and superior riders alike, with tours taking bikers to Nepal, Peru, Costa Rica, New Zealand, and more. Combining two trips into one comprehensive journey can prevent as much as $1750 per individual compared to the price of returning house and taking each trip individually.
Sam has been a member of the AMC since 1983 and has led numerous day and weekend hiking trips. Tusker Trail is probably the leading company for trekking Kilimanjaro in Africa, and but it nonetheless manages to offer a few of the greatest journey journey experiences in different parts of the world as well. Adventure travel with OAT is a journey past the acquainted, one which takes you into the very coronary heart of a vacation spot—to fulfill people where they work and reside.
Ron has led Journey Journey trips to Slovakia, Peru, Scotland, Patagonia, Utah, Washington and Arizona. G Adventures has been one of many top adventure travel firms for greater than 25 years, providing so many unique and affordable journeys that they are often the primary alternative for those in search of a grand adventure with out killing their checking account. Disaster tourism is the act of traveling to a disaster area as a matter of curiosity.
The escorted tours are limited to 18 persons, but the common is about 12, making the group journeys not overly large. For many who reserve two or more trips within one calendar yr—both with OAT, Grand Circle Cruise Line, Grand Circle Journey, or a combination of the three—we have launched a brand new Sir Edmund Hillary Membership profit to reward your exceptional passion for discovery.


G V Prakash Kumar starrer Sarvam Thaala Mayam, directed by Rajiv Menon, was originally slated to hit the screens on Friday (December 28). But the makers announced earlier this week that the film's release has been postponed.
Even as fans were wondering as to when the flick would see the light of day, A R Rahman, who has composed music for STM, has come out with an update.
With this tweet, it has been confirmed that the movie would release only in February, weeks after the release of superstar Rajinikanth's Petta and Ajith's Viswasam.
The film stars G. V. Prakash Kumar and Aparna Balamurali in the lead roles, with a supporting cast including Nedumudi Venu, Vineeth, Santha Dhananjayan and Kumaravel. The film features music composed by A. R. Rahman and cinematography by Ravi Yadav.
He added: "Sure blockbuster,happy for my Nanban to get a such great film,ur career best @gvprakash loved you performance #Peterbeatuyethu".


text:
Q: How can you add AAD for Azure SQL Database in C# How can we add AAD to Azure SQL Database using C#. Is there a NuGet package?
https://azure.microsoft.com/en-gb/documentation/articles/sql-database-aad-authentication/

A: Here is an example of the azure-sdk-for-net nuget being used by
Azure PowerShell. This will show you how to get the tenant id and the Sid which is the Object Id of the Azure Active Directory user or group. Here is additional example of using the graph client in Azure PowerShell Active Directory Cmdlets.

A: Services.ServerAdministrators might work
https://github.com/Azure/azure-sdk-for-net/commit/7ca2d576d6e74ad1a18434f16146076ed1b384d4
https://github.com/Azure/azure-sdk-for-net/blob/21db6e5490e66af39a9c6dbf0ad10650d9ca037b/src/ResourceManagement/Sql/Sql.Tests/ScenarioTests/Sql2.ServerAdministratorScenarioTests.cs
You need to provide the Tenant ID and SID for the AD user. Not sure how to get this yet. I guess the Graph API.
Also, the admin parameter needs to be client.ServerAdministrators.CreateOrUpdateAsync(resourceGroupName, sqlServerName, "activeDirectory",

A: Connecting to a Microsoft SQL Server – on-premise or SQL Azure does not require NuGet packages. Just use ADO.NET, which is part of the base class library. .NET framework version 4.6 is required.
To use Azure Active Directory integration (a preview feature) your first need to configure Azure AD and the SQL Azure instance

*

*Create and populate an Azure Active Directory

*Ensure your database is in Azure SQL Database V12

*Optional: Associate or change the active directory that is currently associated with your Azure Subscription

*Create an Azure Active Directory administrator for Azure SQL Server

*Configure your client computers

*Create contained database users in your database mapped to Azure AD identities

*Connect to your database by using Azure AD identities

Source
Then use ADO.NET as usual and use a trusted connection like so in the connection string
Data Source=youdatabase.database.windows.net; Authentication=Active Directory Integrated;

The web server must run in context of a user created in your Azure AD tenant.
Azure AD integration is not yet supported for Azure WebSites.

redpajama_set_name: RedPajamaStackExchange


Peter Kirwan is Assistant Professor in Shakespeare and Early Modern Drama in the School of English. He teaches on a range of modules covering Shakespearean performance and film, performance theory, theatre history and early modern literature. His publications include articles on Shakespearean authorship, book history, performance history and popular fiction, and he is currently working on a monograph on the theatre company Cheek by Jowl.


text:
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redpajama_set_name: RedPajamaGithub


We are a dog-loving family who would love to experience other places in a home with pets. My husband and I are both 48 at present, our daughter is 15 and our son is 11.
We have 2 dogs of our own who will be returning to Australia soon to reconnect with my mum. Before we return to Sydney as a family, we would love to mind your place to experience your part of the world like locals - walk and cuddle your dog/s, look after plants, visit the local park or cafe. We will care for your home and pets as we would our own.
We enjoy spending time with animals and would love to experience new places in a low key, home-based way rather than a more traditional tourist way.
I have known Michelle and her dogs for many years. As a dog owner and animal foster carer myself, I know that she provides the love and care I provide for my own animals - plenty of cuddles, walks, dental care and medication. Michelle is also a very honest and reliable person, who follows through on her commitments.


Please select your SA size above!
Only your invoice and the Crocs™ shoes will display US sizing.
Now in their fifth generation, our Cleo Sandals receive refreshing style upgrades without losing sight of everything that made them such a success story. Fashionably open design, pivoting ankle straps that sit where you want them to, and Dual Crocs Comfort™. We've started referring to them as the ultimate airport shoe because they're just the kind of practical, comfortable, pack-lightly and sail through security sandals you can depend on.
Choose the right fit for your foot. At Crocssa.co.za, you'll find roomy, relaxed and standard fit styles. So, whether you're a narrowsize or wide, you'll find the perfect fit for you.
back strap for more stability.
feel stable on your foot as you walk.
the top of your foot.
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Sharon's extensive expert subject knowledge and networks have enabled her to contribute to both specialist and national media articles, including Harvard Business Review, The Sunday Times, Insider, Real Business and specialist CIPD produced literature. She is regularly requested, as a mentor and a coach, to provide consultancy advice to senior/board level individuals and organisations.
In 2000, Sharon co-founded Strategi Executive Search, an international HR resourcing firm. After the sale of the business to Advantage Professional, she continued in her position as Director with responsibility for the merged business post sale and international markets. After three years, in April 2011, Sharon decided to exit the organisation.
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FBI warns of drive-by attacks from Reveton virus
By Kevin McCaney
The FBI has issued a warning about a new version of a "drive-by" virus that locks users' computers, tells them they've violated federal law and demands they pay a fine through a prepaid card service.
The message appears to come from the FBI or the Justice Department's Computer Crime and Intellectual Property Section, the FBI said in its warning about the virus. And although the ruse might seem obvious to most computer users, "some people have actually paid the so-called fine," said Donna Gregory of the Internet Crime Complaint Center.
A scam that tries to take advantage of the FBI's authority is nothing new — the IC3's 2011 Internet Crime Report said FBI-related scams were the most common type on the Internet — but the use of this burgeoning type of drive-by malware in such a swindle is fairly recent.
The 5 most common online swindles
Many forms of malware download to a user's computer when they open a file or attachment, the FBI said. Drive-by malware can download itself when you click on a compromised website, by taking advantage of vulnerabilities in Web browsers or plug-ins that work within the browser.
And although it often will try to sneak in without the user noticing, this particular piece of malware, known as Reveton ransomware, is anything but subtle. It immediately locks up the victim's computer and displays a message declaring that a violation of federal law has taken place — associated with child pornography or other illegal activity — and ordering the user to pay the fine.
The FBI said it first came across Reveton, which is distributed via the Citadel malware platform, in 2011. And IC3 issued a warning in May this year, but drive-by malware has spread, both domestically and overseas, since then. Gregory said IC3 has been getting dozens of complaints daily.
IC3 recommends that victims of the Reveton virus should not, of course, pay any money to remove the virus.. Instead they should contact a computer professional or, if it's on a work computer, the IT shop. The security company F-Secure, for one, also offers instructions on removing the virus.
But if you manage to unlock the computer, be aware that Reveton could still be operating in the background, looking, for example, to use a key-logger to steal personal information such as user names, passwords and credit card numbers, IC3 warned.
And IC3 is urging victims to file a complaint and look for updates about the Reveton virus on its website.
IC3 is a partnership between the FBI and the National White Collar Crime Center that was set up in 2000 to give people an easy way to report online crime and to assist law enforcement agencies in tracking cyber crimes.
Kevin McCaney is a former editor of Defense Systems and GCN.


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En idioma sánscrito, la palabra vajra (pronunciada vashra) significa tanto 'diamante' como 'rayo'.

 vajra, en el sistema AITS (alfabeto internacional de transliteración sánscrita), en el que la letra jota se pronuncia como en el inglés John.
 वज्र, en escritura devánagari.
 Etimología: 'lo duro' o 'lo poderoso'. Representa la dureza del diamante y la fuerza irresistible del rayo.

En el hinduismo

En el hinduismo se llama así al arma de Indra, que fue realizado artesanalmente por Vishuá Karma (el artesano y arquitecto de los dioses) a partir de los huesos del rishí Dadhichi. Según la descripción en el Rig-veda (mediados del II milenio a. C.), el texto más antiguo de la literatura de la India, el vajra tenía la forma de un disco circular. Más tarde en los Puranas (primeros siglos antes de la era común) se lo describe como dos rayos transversales que se cruzan formando una equis. A veces se le aplica este nombre a armas similares utilizadas por varios dioses o seres sobrehumanos, o a cualquier arma mítica que puede destruir encantamientos o magias.

También se le llama maniu ('ira'). Cuando está acompañado por apām ('agua') es un chorro de agua.

También se llama vajra a los rayos eléctricos que caen del cielo, que se creía que evolucionaban a partir de la energía centrífuga del vajra circular de Indra cuando lo lanzaba contra un enemigo.

En la actualidad, el vajra es un arma simbólica religiosa de oro, consistente en una esfera con dos lotos a sus lados los que se prolongan en cinco o nueve rayos, habiendo siempre un rayo dispuesto de manera central.

En el budismo
En Tíbet, Bután y Nepal, el vajra tiene forma de campana y recibe el nombre de dorje, que también es el nombre comúnmente usado para el falo.

Puede vérselo en la representación de numerosas deidades budistas.

Véase también
Vajrapani
Fudō Myō-ō
Astra (arma mitológica)

Notas

Utensilios de rituales budistas
Mitología hinduista
Armas míticas
Símbolos budistas

redpajama_set_name: RedPajamaWikipedia


I am writing in the context of the National Pension System (NPS) and its implementation in theCentral Government sector – Ministries & departments including the Central Autonomous Bodies under their jurisdiction. I would like to highlight the important measures taken by PFRDA in strengthening the systems, in the interest of the ultimate beneficiary – the subscriber and other stakeholders.
2. After the passage of PFRDA Act, 2013, various regulations have been framed by PFRDA under the ambit of the Act. The basic purpose of framing regulations is to ensure protection of subscriber interest. Prominent ones among the regulations are PFRDA (Redressal of Subscriber Grievance) Regulations, 2015 and PFRDA (Exits Withdrawals under the NPS) Regulations, 2015. You will appreciate that PFRDA (Redressal of Subscriber Grievance) Regulations, 2015, had laid down clear guidelines with respect to redressal of subscriber grievances. Further, Exit Regulations of PFRDA have specified the provisions and process relating to exit and withdrawal in detail.
We are confident that the implementation of NPS and streamlining .of the process is receiving your due attention. You may like to convene regular meetings to review the implementation of NPS and the new fun'ctionalities which wrll go a long way in ensuring smooth implementation of NPS. PFRDA will be glad to provide all necessary support and cooperation. Should your office need further clarifications, they are welcome to contact Sh. Ashish Kumar, General Manager at [email protected] org.in.
The Govt. sector Nodal Offices have now been provided with utility for activating the Tier II account and its operation for all Government employees. The Government subscribers (mandatorily covered under NPS) can also approach their "associated Nodal Office for making additional investment (Voluntary Contributions) in their PRAN – Tier I account in order to claim tax benefits.
Grievance resolution by monitoring office in CRA system In case of Govt. sector Nodal offices, only the PAOs/DTOs can provide resolution remarks for the grievances raised against them by ' their associated subscribers in Central Grievance Management System (CG-MS) module. However, the mapped Pr.AOs/DTAs can only monitor the status of the grievances (using 'Token No') raised against underlying PAOs/DTOs. Now, with the new facility made available in the CRA system, the Pr.AOs/DTAs can verify whether the PAO/DTO hasresoived the grievance.
The DDOs c an login the CRA system using User ID & I-PIN (password). The DDOs can generate their l-PIN by capturing a request through instant reset option in the CRA system (www.cra-nsdl.com) and getting it authorized by their associated Nodal Office (PAOs/DTOs). This facility has been granted to the DDOs to enable them to view various reports, which is quite helpful in day to day functioning.
The Subscribers can now update/modify their address on their own using Aadhaar based authentication. After logging in CRA, Subscriber will use the menu Update Address". After clicking on the menu "Update Address", Subscriber will prevode the Aadhaar No and "click on the 'submit' button. 'On clicking on submit button, ' an OTP will be sent to Subscriber's mobile. Once the Subscriber authenticates by submitting the OTP, address details from Aadhaar system will be fetched and updated in the CRA system. In this process, Subscriber will be able to update permanent as well as correspondence address. At present, this feature has been made available to All Citizens of India and Corporate sector. It will be extended to Government Subscriber Shortly.
At present, for Withdrawal from Tier II account, the NPS subscribers are required to visit the branch of the' Point of Presence (POPS) or Nodal Office which is mapped to him / her. Now, the NPS Subscribers have a facility to initiate Withdrawal request from Tier II account using their login credentials and OTP authentication on registered mobile number.


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Recovery from exercises requires a complete set of building blocks to repair, grow and improve muscle cells. These building blocks are amino acids, specifically it's the essential, conditional and branched chained amino acids that we need to succeed in reaping the rewards from training. Essential amino acids (EAA) are exactly that, essential. We must nourish our bodies with these amino acids as our bodies are unable to make them on it's own (Vieillevoye et al., 2010). Therefore ingesting EAA provides the foundation material to repair and build a healthy body. Research has thoroughly examined the beneficial effects of EAA in exercising individuals and reported various beneficial effects. Most of which are on protein synthesis (repairing and building muscle) and other are on the immune system and its ability to suppress catabolic hormones like cortisol, especially when in combination with carbohydrates (Bird et al., 2006b, Bird et al., 2006a).
Furthermore, combining EAA with carbohydrates and BCAA's like leucine, stimulate MPS significantly more than either alone thus using EAA around training will work synergistically with other nutrients to maximise recovery and performance gains (Bird, 2010).Moreover the use of singular form amino acids compared to intact whole proteins increases the absorption of amino acids into the blood stream, thus increasing transit time to the target cells(West et al., 2011). The addition of conditionally EAA's like glycine and arginine aid in the transportation and delivery to the working muscles via their vasodilatory properties. The addition of BCAA accentuates the anti-catabolic effects of EAA by reducing muscle protein breakdown and providing a fuel supply for working muscles. This reduces muscle breakdown (via glucose-alanine cycle) to attain the BCAA's. Overall the combination of EAA, CEAA and BCAA provide a spectrum of amino acids that fuel the muscles and support an anabolic state.
BIRD, S. 2010. Strength nutrition: Maximizing your anabolic potential. Strength and Conditioning Journal, 32, 80-83. BIRD, S. P., TARPENNING, K. M. & MARINO, F. E. 2006a. Effects of liquid carbohydrate/essential amino acid ingestion on acute hormonal response during a single bout of resistance exercise in untrained men. Nutrition, 22, 367-75. BIRD, S. P., TARPENNING, K. M. & MARINO, F. E. 2006b. Independent and combined effects of liquid carbohydrate/essential amino acid ingestion on hormonal and muscular adaptations following resistance training in untrained men. European Journal of Applied Physiology, 97, 225-238. VIEILLEVOYE, S., POORTMANS, J. R., DUCHATEAU, J. & CARPENTIER, A. 2010. Effects of a combined essential amino acids/carbohydrate supplementation on muscle mass, architecture and maximal strength following heavy-load training. European Journal of Applied Physiology, 110, 479-488. WEST, D. W. D., BURD, N. A., COFFEY, V. G., BAKER, S. K., BURKE, L. M., HAWLEY, J. A., MOORE, D. R., STELLINGWERFF, T. & PHILLIPS, S. M. 2011. Rapid aminoacidemia enhances myofibrillar protein synthesis and anabolic intramuscular signaling responses after resistance exercise. American Journal of Clinical Nutrition, 94, 795-803.


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The Daily Sweat: If Bills are contenders, they need to show it against the Patriots
Frank Schwab
6 December 2021, 10:14 am ·4-min read
The Buffalo Bills have been favorites in 10 of 11 games they've played this season. They've been a favorite of at least 6 points in 9-of-11 games.
The Bills are a darling of oddsmakers. The problem is, the results haven't really matched up. The Bills are 7-4, not even in first place of the AFC East. They've had some bad losses including one at the Jacksonville Jaguars, which might be the worst loss for any team this season. They haven't been bad. Just not great. They're just priced on the odds like they're great.
The team that is in first place of the AFC East is a familiar one. The New England Patriots are 8-4 after winning six in a row. Despite their hot streak, the Patriots are 3-point underdogs at the Bills at BetMGM.
That's a lot of respect for the Bills, which isn't new this season. How you view this game might depend on how you analyze how each team will handle the weather.
According to the forecast, there will be winds of about 25 miles per hour. There is a 75 percent chance of precipitation on Monday though it should subside by kickoff. On one hand, Buffalo quarterback Josh Allen and his big arm are set up well for success in wind and cold. But they also have no offensive balance. The Bills not only don't run it well, they don't have much interest in trying. The Patriots have a lot more offensive balance and even though their quarterback Mac Jones is from Jacksonville and played at Alabama, perhaps their offensive approach is suited for a December game in Buffalo.
The Patriots are underdogs but maybe they shouldn't be. They have been the better team for a few weeks. The defense has been on a roll. If you believe they're benefitting from a soft stretch of the schedule that's fine, but they've looked very good in beating those teams.
It seems like the right move to grab the Patriots getting a field goal. The Bills just haven't been the contender everyone figured they would be, not to this point in the season anyway. If Buffalo is going to be that team, Monday night would be the time to prove it.
Josh Allen and the Bills face the Patriots with first place in the AFC East on the line. (Photo by Chris Graythen/Getty Images)
Here is the first look at the betting slate for Week 13:
What about the props for MNF?
Before betting any props, make sure you take a last look at the weather. Assuming a tough night in Buffalo for offenses (I'll be on the under of 40.5, in part because of the weather but also a nod to both defenses being very good), build your props card accordingly.
Mac Jones' passing yardage total is 202.5 and I'll take the under. I don't think the Patriots will want to pass it much. Buffalo does have a good defense and it could be a grind-it-out game. It seems like that's how New England would like it to go. I also like the under of Stefon Diggs' receiving yards, which is 62.5. The Patriots do a good job taking away what you do best, and Diggs is clearly the Bills' best skill-position player.
What is the NBA schedule?
There are 10 games on the card. The best game is either the Denver Nuggets at the surging Chicago Bulls, or the Atlanta Hawks at a surprising Minnesota Timberwolves team. The Bulls are 4.5-point favorites, and it's hard to go against such a hot team. Minnesota is favored by 2.5.
Are there any good college basketball games?
There is an early Big Ten game, as Illinois travels to face Iowa. Iowa is a 2.5-point favorite. The Illini has been pretty good since Kofi Cockburn came back from an early-season suspension. They've won their last four. Iowa was undefeated before losing to a very good Purdue team. Iowa hadn't played a tough schedule though, and grabbing 2.5 points with Illinois seems like the way to go.
What's the best bet?
It's a toss up between underdogs. Just go ahead and take both the Patriots and Illinois basketball and don't forget to take a little bit on the moneyline for each.
Quarterback Who Scored 8 Touchdowns After Mom's Death Gets Tickets to Super Bowl: 'Insane!'
Irving fined $25,000 for using obscene language towards fan
Djokovic deported from Australia after losing appeal
Djokovic leaves Australia after failing to overturn decision from the government to cancel his visa.
Ben Stokes set to join England captain Joe Root in missing this year's IPL
All-rounder featured in last four seasons of T20 tournamentHe also decides to skip auction following gruelling Ashes tour Ben Stokes ahead of the recent Ashes Test in Hobart. The all-rounder had a difficult series having taken a four-month break from cricket. Photograph: Tertius Pickard/AP Ben Stokes is set to join Joe Root in making himself unavailable for this year's Indian Premier League auction following England's Ashes defeat in Australia. The all-rounder has featured in the last four seaso
Rafael Nadal and Naomi Osaka through: Australian Open 2022 day one report and round-up
With so much attention on the 11-day saga of Djokovic's attempt to participate in the year's first Grand Slam tournament, the returns of Naomi Osaka and Rafael Nadal have been overshadowed.
LOVERUGBYLEAGUE
Pre-season round up: Four players honoured with testimonial matches
There were nine pre-season friendlies this weekend, including Championship club Bradford beating Hull in Danny Brough's testimonial match.
David Moyes seethes over West Ham schedule as Leeds deal blow to top-four hopes
Harrison's first hat-trick saw Leeds over the line in an end-to-end match Forshaw and Firpo both limped off after 20 minutes, adding to Leeds' injury woes
Pep Guardiola: Manchester City's mental fortitude a key factor in title charge
City are 11 points clear at the top of the Premier League.
Ivory Coast vs Sierra Leone: Prediction, kick off time, TV, live stream, team news, h2h - AFCON preview today
The Africa Cup of Nations group stage continues to ramp up this afternoon with Ivory Coast hoping to seal their spot in the last-16 against a buoyed Sierra Leone side. Among the tournament favourites, the Ivorians began their campaign with a 1-0 victory over Equatorial Guinea thanks to Max Gradel's early strike in their opening match. Ivory Coast vs Sierra Leone is scheduled for a 4pm GMT kick-off on Sunday, January 16, 2022.
Chelsea won't change to suit Lukaku - Tuchel
The Blues boss refused to criticise Romelu Lukaku for his performance against Manchester City on Saturday
Reece Hamlett swaps Swinton for Mayfield
Swinton have announced winger Reece Hamlett has had his contract terminated by mutual consent to concentrate on employment away from rugby league.
Awards treble for Chelsea as Tuchel, Hayes and Mendy scoop FIFA prizes
The trio were recognised at the Best FIFA Football Awards.
PL managers call for transparency amid COVID postponements
Premier League managers share their views on the recent match postponements in the league.
Novak Djokovic news: Johanna Konta bemoans 'sad situation' affecting 'generous' world No 1
"He's quite generous with his money and time to help," says Johanna Konta.
Kepa demands 'frustrated' Chelsea step up in Tottenham derby clash: 'We have to get back to winning ways'
Kepa Arrizabalaga has laid bare the fears inside Chelsea after their miserable slump continued at Brighton last night. A 1-1 draw at the Amex was a fourth Premier League game in a row without a win as the pressure grows on Thomas Tuchel to turn their season around. The pressure could really mount on Tuchel if Spurs secure a win at Stamford Bridge on Sunday.
LeBron and Westbrook snap Lakers out of losing streak
The Los Angeles Lakers beat the Utah Jazz 101-95 as they bounced back from a horrid run of form...
Everton sack Rafael Benitez after six months in charge following Norwich defeat
Everton have sacked Rafael Benitez after six months in charge. Benitez leaves Goodison Park after Saturday's 2-1 defeat at Norwich left Everton 16th in the Premier League after nine defeats in their past 12 games. Everton's travelling fans demanded that Benitez "get out of our club" during the Norwich defeat.
Peng Shuai news: Pat Cash gives his opinion over Peng Shuai sexual harassment allegations
Pat Cash believes scratching his head over the saga.
'Brady will eat teams up!' - Bucs marvel at QB's playoffs performance
Tampa Bay completed a one-sided 31-15 victory against the Philadelphia Eagles on Super Wild Card Weekend.
Novak Djokovic news: World No 1 banned from Australia for three years, but…
There is hope for Novak Djokovic to compete at the 2023 Australian Open.
FIFA The Best: Chelsea scoop trio of awards for Edouard Mendy, Thomas Tuchel and Emma Hayes
Edouard Mendy was named the best goalkeeper in the world at Fifa's awards ceremony on Monday night. The ceremony for The Best awards for 2021 saw Chelsea scoop three honours, including Thomas Tuchel and Emma Hayes as the coaches of the year. After backlash against his snub from the Ballon d'Or award longlist, Senegalese shot-stopper Mendy was named The Best Men's Goalkeeper, beating Gianluigi Donnarumma and Manuel Neuer in the vote.
Wayne Rooney linked with Everton job after Rafael Benitez sacked
The Blues parted company with Benitez on Sunday after just 22 games in charge.


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I disagree. He isnt a tactical dm hes someone who covers ground and pressures high. He can be very effective he just has to play in a system that needs that. He was awesome for France covering both the wing and tucking in centrally. Giving Griez the ability to float and find space. This season it seems Ronaldo is more left and Matuidi makes runs more centrally which I dont like.
The thing is that in france he was working in a proper tactical set up, which just doesnt exist in juve, so his limits are more than exposed.
He is ok in what he does, which is to put effort and workload to make things tick... but definitely the tactics around him are not working as intended. If you force him to do things he is not made to, this will be the result.
In fact this could apply to other players on the team too. Matuidi on any other set up would have been a tireless warrior.
Turned to be the right one, after all.
Looked like the player he was at the beginning of the season. Strong performance.
Did what he asked to do but almost eveyrtime he has the ball he gave me a heart attack.
Amazing tonight, he was everywhere on the field, I'm sorry for all, you're the best French midfielder.
Posting in thread to give respect for a standard Matuidi performance in which he gives maximum effort.
We should rest him in serie A and only use him for crunch CL matches.
He was on a Beast mode tonight.
He was all over them.


text:
Michael Winegarden
September 1, 2008 September 29, 2014 Dan Acree
This article appeared in the Fall 2008 issue of Texoma Living!.
For someone who failed fourth grade art because he flunked a sewing project, Michael Winegarden has come a long way. Honors for his accomplishments in art today are numerous. His fourth-grade art teacher might not believe it, but Winegarden now teaches drawing and art appreciation at Grayson County College.
"Perception" is Winegarden's key word when it comes to art. Visual impressions and how others see things have intrigued him since childhood. "I would see a certain lighting effect on a beautiful day and feel the need to express it, only at the time I didn't know how to do that," Winegarden said. His fascination with paint and color led him to sneak into his mother's nail polish, dab the paint on scraps of trash and stare at the colors in the light. He would put his eye up to glowing lights on appliances or electrical devices and stare spellbound until he began to see an image or a space.
Winegarden said that his series of paintings composed of circular brush strokes has been satisfying, but his latest projects involve photography, and he still questions perception. He experimented with the dangerous-sounding practice of taking photos while riding his motorcycle, to capture motion. When taking pictures with both feet firmly on the ground, he wants to challenge what the observer's eye sees. Is it a tree or a reflection of a tree?
In 2005, Winegarden studied art history in London, visiting museums and seeing great works of art first hand, not as pictures in a book. But the event that happened on the day he was supposed to come home—the July 7 terrorist attacks on London's transportation system, which took fifty-two lives—had the greatest impact on him. "I was deeply affected by September 11 here at home, but because I was in London when the bombings happened, they had a personal impact on me."
Winegarden has a big support base at home in his four children, aged 5, 7, 12 and 13. "My kids have heard me talk about art theories since they were little," Winegarden said. "They understand the difference in art and something that's just a picture. They get it. They're my biggest fans." Winegarden said that his wife also gets it. "She knew how dedicated I was. I was pursuing art on a deeper level than just painting or selling a picture."
Michael Winegarden is associated with the Second Floor Gallery at Grayson County College Art Department, 6101 Grayson Drive, Denison, TX 75020 (903) 463-8662, where his work currently is on display. Hours are Mon.-Th. 8 am to 9 pm, Fri. 8 am to 4 pm, and Sun. 1 pm to 4 pm. Closed Saturday. Or call (903) 771-6128 to see the exhibit by appointment.
People, The Arts
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Digging for History →
Where There's Smoke….
The rattle of the alarm echoed across the area, signaling a chlorine leak from a storage tank at the large industrial plant in Grayson County. As the men encased in the special gear that gives them the look of moon-walking astronauts went about the very serious job of dealing with the problem, a company representative standing a safe distance from the scene remarked.
Fellowship and Fried Chicken
One of the benefits of being a writer is the opportunity to speak to community groups. But I clearly understand that the main mission of the meeting is not to hear me speak, but to have fellowship and eat picnic food on a weekday.
Since 1872: Chapin Title Co.
Chapin Title Company traces its roots back to the 1800's when the city of Sherman was a rural, undeveloped area. The year was 1872, the city of Sherman was booming. Almost 6,000 people called it home, and others were streaming in steadily to grasp the opportunities the rich prairie soil promised.