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Government and industry weigh in on credit curbs
The federal government, industry analysts and the Reserve Bank have weighed in on the impact of the recent slowdown in credit growth and weakness in the housing market.
In his address to the Chamber of Commerce on Monday (16 July), Treasurer Scott Morrison claimed that the Australian Prudential Regulation Authority's (APRA) caps on investor and interest-only credit growth had the "desired effect" of "managing" house price growth, particularly in Sydney and Melbourne.
"The heat in the housing markets in Sydney and Melbourne was causing some real difficulty," Mr Morrison said.
"We had double-digit dwelling price growth there. We had interest-only loans as a percentage of new loans well up over 40 per cent. At one stage, they ticked close to 50 [per cent].
"Eighty per cent of household debt is mortgage debt and the level of household debt in Australia is at high levels.
"[The] government, through APRA, took some action and that was to restrict access to interest-only loans. There was also a credit speed limit put on new investor credit, and that has had the desired effect of bringing Sydney and Melbourne housing markets back to more normal transmission."
While the 10 per cent cap on investor loans has now been removed (subject to certain conditions), some industry players — such as CoreLogic's director of research, Tim Lawless — have said that the removal of APRA's "redundant" cap on investor lending is unlikely to prompt a rebound in investor credit growth amid continual softening in housing market conditions.
Speaking to Mortgage Business, the chair of the Property Investors Council of Australia and managing director of Empower Wealth, Ben Kingsley, said that regulators should continue to review current measures to ensure they don't have a lasting impact on the broader economy.
"I definitely think that the [investor speed limits] were required at the time, and I think [APRA has] done a very good job of reducing the excess demand certainly for investors," Mr Kingsley said.
"We were seeing investors get to a level of market share which was unsustainable in the longer term.
"[Now] that it's served its desired purpose, we now need to lift our eyes and effectively start to look at what appropriate credit measures are in place because tightening credit is not necessarily good for the broader economy."
Also speaking to Mortgage Business, NAB chief economist Alan Oster suggested that he was not concerned by claims of nationwide weakness in the housing market.
"Clearly, APRA has slowed the demand for investor credit, but at the same time, owner-occupier, particularly first home owners, have sort of picked up the slack," Mr Oster said.
"[APRA has] changed the composition of credit between [investor and owner-occupied], and the big markets like Sydney and Melbourne are basically investor-driven, so of course, you've had a bigger impact there."
He continued: "Sydney markets from peak to trough are around 4 per cent down, and Melbourne's about 2 per cent down, but if you go from the previous trough to where we are now, they're 40 per cent up.
"I don't really see a big crunch in house prices going forward. [What] we've got is actually a postcode issue, not a systemic issue."
Further, in minutes released from its July board meeting, the Reserve Bank of Australia (RBA) also maintained a positive attitude on slowed credit and housing market conditions.
"Housing credit growth had declined, mainly because investor demand had slowed noticeably," the central bank's minutes read.
"Lending standards were tighter than they had been a few years previously and the Australian Prudential Regulation Authority's supervisory measures were helping to contain the build-up of risk in household balance sheets.
"Some further tightening of lending standards by banks was possible, although the average mortgage interest rate on outstanding loans had been declining for some time."
Big banks to lift rates
The RBA also noted recent out-of-cycle changes to banks' interest rate offerings, claiming that despite hikes from some non-major lenders, the general trajectory of interest rates is down.
"In recent months, the major banks had announced lower interest rates for some new loans, including some loan products for investors and interest-only loans. Some smaller banks had increased their advertised standard variable mortgage rates over the previous month," the RBA's minutes read.
"Members observed that, while changes in advertised housing lending rates had not been in a particular direction overall, lending rates for new and outstanding variable housing loans had drifted downwards over much of the prior year."
However, Mr Kingsley expects the big four banks to follow suit with similar rate increases.
"We're delicately poised, our cost of funds is going up because the US Federal Reserve is raising cash rates, and those second-tier and third-tier lenders have to source their funds externally, so they'll be passed on," Mr Kingsley added.
"I can't see the big banks maintaining this pressure on their margins further, but while there's a royal commission on, it's a PR nightmare for them if they were to raise interest rates at this time."
Despite the rate hikes, Mr Oster observed that the recent credit slowdown has prompted lenders to offer greater unadvertised discounts on their mortgage products.
"In reality, one of the other things that has happened is credit has slowed a touch, relative to where it was, so everybody's been applying larger discounts. You do need to see what people are actually paying, rather than what the headline rate is," Ms Oster said.
Treasurer Morrison claimed that lower interest rates offered in the last few years have provided households with a "buffer" that would help offset future rate increases.
"There's about two and half years of buffer on household mortgages through offset accounts and things of that nature, so what people largely did was, as rates fell, they just kept paying at the same rate and they built up buffers on their mortgages.
"The system currently is quite resilient to any potential move in that space and other members of the [RBA] have made the same point."
[Related: APRA says its actions haven't impacted the supply of mortgages]
Last Updated: 01 October 2018 Published: 18 July 2018


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Home > Departments > News & Updates
News Release: December New Vehicle Registrations
Cleveland, OH – In December of 2022, new motor vehicle sales were almost identical to the same month in 2021, the difference of one more vehicle sold. According to figures released today by the Greater Cleveland Automobile Dealers' Association (GCADA), franchised dealers in Northern Ohio sold 197,164 new cars, trucks and SUVs in 2022, a decrease of 16.47 percent compared to the total sales in 2021.
"New vehicle sales in December were exactly in line with 2021, although 2022 new vehicle sales were off as we continued to battle for vehicle availability," says Louis A. Vitantonio, president of the GCADA. "The inventories have slowly improved, but newer factors including high interest rates have slowed the pace of sales. We anticipate 2023 being very similar, with consumers having increasingly more in-stock and low-wait choices available in the upcoming year."
At year end, Ford took over as the region's best-selling brand, with 2,218 new vehicles sold. Chevrolet came in second place with 1,674 sales in December. Honda followed, capturing third place with 1,542 vehicle sales, ahead of Jeep's 1,327.
New-car and truck sales in Northern Ohio
December '22 / December '21 & YTD
December '22
December Chg.
Total Cars and Trucks
Retail sales figures are based on vehicle registration reports from the Ohio Bureau of Motor Vehicles. Vehicle sales data includes all dealers in these 21 counties: Ashland, Ashtabula, Carroll, Columbiana, Coshocton, Cuyahoga, Erie, Geauga, Holmes, Huron, Lake, Lorain, Mahoning, Medina, Portage, Richland, Stark, Summit, Trumbull, Tuscarawas and Wayne.
About the GCADA
The Greater Cleveland Automobile Dealers' Association (GCADA) has served the retail automobile industry and community with integrity and distinction since 1915. Today, located in Broadview Heights, GCADA represents over 280 franchised motor vehicle dealers, which include new-car, truck, motorcycle and RV dealers in 32 Ohio counties along the Lake Erie shore and beyond. More information on the GCADA can be found at www.gcada.org.
Sara Panza, 440-746-1500

redpajama_set_name: RedPajamaCommonCrawl


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Miki took this picture at Enkouji Temple. It is a small temple, but the foliage is beautiful.
The newlyweds wanted their picture taken at the spot.
It might be their place of memories together.
Never Take Your Eyes Off Your Phone!


text:
Q: Way to run React development server in a background I would like to ask if there is any way to run the React app in development mode as a background process so it won't hog the terminal. I study computer science and I use SSH to connect to the school PC. It is the way my teacher requires it. As my project, I chose to react app, and sadly I have trouble using the terminal when my app is running. Is there any way to run "npm run start" as I background process so I could still use the terminal as normal and maybe kill the process later??
What I tried:
Using & in command (didn't work, threw an error),
pm2,
nohup command
Thanks a lot

A: Using pm2 pm2 start "npm start" --name my_react_app

A: Use terminal multiplexer screen

A: You can use PM2.
this site has a tutorial to install and run PM2 with React.JS:
https://dev.to/taufiqtab/deploy-reactjs-production-build-with-pm2-5dfo

A: It depends on what kind of terminal you're using, but typically you can do cmd+T for mac or ctrl+T for windows to open a new terminal tab. This way you can do multiple things at once in the same terminal. Hope this helps!

A: *

*npm run start & - It will run at background but print all information on the screen, you can press Ctrl+L to clean the screen then to other jobs.

*npm run start > /dev/null & - Same as above but just will only print error information.

*npm run start > /dev/null 2>&1 & - This one will not print any information.

When you want to end it, you can use jobs -l to query it's PID then use kill + PID kill it, or use fg let it turn to front then press Ctrl+C to end process.
Another choice is use terminal multiplexer like Tmux/screen/Dvtm with learning cost.

redpajama_set_name: RedPajamaStackExchange


The corresponding report of the following item (Minute 38 refers) contains exempt information as defined in Paragraph 3 of Part 1 of Schedule 12A of the Local Government Act 1972 (as amended).
38 (19) THE FOUNDRY ARMS, SCUNTHORPE – The Director of Places submitted a report which sought approval of terms to secure the surrender of all third party interests in the site and premises, the Foundry Arms, Scunthorpe.
The matter was urgent so that the council could conclude ongoing negotiations promptly towards resolving outstanding liabilities in respect of the Foundry Arms.
Resolved – That the recommendations outlined within the report be approved and adopted.


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We want to help make music as accessible to you as possible, so we offer many layaway and financing options. Check out our finances page for more information.
We work every day to give our customers the best. You won't find salesmen here. We are just a team of musicians who are always looking to add to the Sims Music family.


those remarks in an email.
monetary policy," Bank of Canada Governor Stephen Poloz said.
while its weakest was C$1.3364.
interest rates at its policy meeting.
barrel ahead of the release of U.S. crude inventory data.
rising 7 Canadian cents to yield 1.158 percent.


text:
Stephanie Huesler
The Northing Trilogy
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History Undusted: A Small Treatise on the Viking Age, begun at Lindisfarne
In researching for my novel, "The Cardinal", I did a lot of research into the Viking Age of Scotland, Norway, and in modern-day Britain. The following is a snippet of the notes and thoughts I percolated over while studying into this amazing time in world history. Some of the speculations, such as the motivations behind the Lindisfarne attack, are my own, based on studies and extrapolation.
I think it's impossible to do justice to any information about the Vikings; their existence, culture, language, mentality, and the effect of their actions have had repercussions that echo down through the ages. They gave names to countless cities throughout the world, and even entire regions: The Norse kingdom of Dublin (Old Norse for "Black Pool") was a major centre of the Norse slave trade; Limerick, Wexford and Wicklow were other major ports of trade; Russia gets its name from them, and the list goes on and on. Had they not been so successful in the slave trade and conquest, entire regions of the earth would be populated differently, place names would be vastly different, and English would be a far poorer language than it is today.
"A.D. 793. This year came dreadful fore-warnings over the land of the Northumbrians, terrifying the people most woefully: these were immense sheets of light rushing through the air, and whirlwinds, and fiery dragons flying across the firmament. These tremendous tokens were soon followed by a great famine: and not long after, on the sixth day before the ides of January in the same year, the harrowing inroads of heathen men made lamentable havoc in the church of God in Holy-island, by rapine and slaughter." (The Anglo-Saxon Chronicle, pg. 37)
This reference from The Anglo-Saxon Chronicle, one of the most famous history books available in English, is a reference to what would become known as the beginning of the Viking Age, the attack on the Holy Isle of Lindisfarne. Firstly, I'd like to clarify a few points: "Viking" is a term that first came into being, in its present spelling, in 1840; it entered English through the Old Norse term "vikingr" in 1807. The Old Norse term meant "freebooter, pirate, sea-rover, or viking", and the term "viking" meant "piracy, freebooting voyage." The armies of what we would call Vikings were referred to by their contemporaries as Danes, and those who settled were known by the area they settled in, or visa-versa. Those who settled in the northeastern regions of Europe were called Rus by their Arabian and Constantinopolitan trading partners, perhaps related to the Indo-European root for "red", referring to their hair colour, or – more likely – related to the Old Norse word of Roþrslandi, "the land of rowing," in turn related to Old Norse roðr "steering oar," from which we get such words as "rudder" and "row".
Oh, and not a single Norse battle helmet with horns has ever been found.
I'd like to focus on a key point of the Lindisfarne episode, if one could refer so glibly to the slaughter of innocent monks and the beginning of the reign of terror that held the civilized world in constant fear for over two centuries: Yes, the Vikings were violent; their religion of violent gods and bloody sacrifices and rituals encouraged and cultivated it to a fine art. Yes, the Vikings were tradesmen, but they were also skilled pirates and raiders, that skill honed along their own home coasts for generations prior to their debut on the rest of the unsuspecting world. Yes, it was known that monasteries held items sacred to the Christian faith, that just happened to be exquisitely wrought works of art made of gold and jewels.
Gold was one enticement; but their primary trading good was human flesh; slaves. It was by far the most lucrative item, and readily had along any coast they chose; if too many died in the voyage they could always just get more before they docked at Constantinople, Dublin, or any other major trading port. So why did they slaughter the monks so mercilessly at Lindisfarne, when they would have gained more by taking them captive and either selling them as slaves or selling them for ransom? The answer might actually be found in Rome.
Charlemagne (ruled 768-814 AD) took up his father's reigns and papal policies in 768 AD. From about 772 AD onwards, his primary occupation became the conversion to Christianity of the pagan Saxons along his northeastern frontier. It is very important to make a distinction between the modern expressions of the Christian faith and the institution of power mongers of past centuries; Christianity then had extremely little to do with the teachings of Christ and far more to do with political and military power, coercion, and acquisition of wealth through those powers; it was a political means to their own ends with the blessing of the most powerful politician in the history of the civilized world, the Pope. Without his blessing and benediction, a king had not only very little power, but was exposed to attack from anyone who had "holy permission" to exterminate heathens; joining the ranks of the Christian church took on the all-important definition of survival, and protection from the others in those ranks being free to attack you at their leisure.
In the year 772 AD, Charlemagne's forces clashed with the Saxons and destroyed Irmensul, the Saxon's most holy shrine and likely their version of the Yggdrasil, the Tree of the World, of Scandinavian mythology. In the Royal Frankish Annals of 775 AD, it was recorded that the king (Charlemagne) was so determined in his quest that he decided to persist until they were either defeated and forced to accept the papal authority (in the guise of "Christian faith"), or be entirely exterminated [Carolingian Chronicles: Royal Frankish Annals and Nithard's Histories, trans. Bernhard Walter Scholz with Barbara Rogers (Michigan 1972: 51)]. Charlemagne himself conducted a few mass "baptisms" to underscore the close identification of his military power with the Christian church.
"In 782 the Saxons rebelled again and defeated the Franks in the Süntel hills. Charlemagne's response was the infamous massacre of Verden on the banks of the river Aller, just south of the neck of the Jutland peninsula. As many as 4,500 unarmed Saxon captives were forcibly baptised into the Church and then executed. Even this failed to end Saxon resistance and had to be followed up by a programme of transportations in 794 in which about 7,000 of them were forcibly resettled. Two further campaigns of forcible resettlement followed, in 797 and in 798…. Heathens were defined as less than fully human so that, under contemporary Frankish canon law, no penance was payable for the killing of one" [Ferguson, Robert (2009-11-05). The Hammer and the Cross: A New History of the Vikings (Kindle Locations 1048-1051). Penguin UK. Kindle Edition.]
The defining of a heathen as less than human was actually not a unique idea; Scandinavians were familiar with that notion from their own cultures, which defined slaves as less than human and therefore tradable goods; and if a freeman announced his intention of killing someone (anyone) it was not considered murder as the victim was given "fair" warning.
The more I learn about Charlemagne's brutal policies toward what he considered sub-human pagans, the more I understand the reaction of retaliation toward the symbols of that so-called Christian faith, the monasteries and its inhabitants. They slaughtered, trampled, polluted, dug up altars, stole treasures, killed some, enslaved some, drove out others naked while heaping insults on them, and others they drowned in the sea. The latter was perhaps a tit-for-tat for those at Verden who were forcibly baptised and then killed.
Lindisfarne was merely the first major attack in Britain that was highly publicized (as chroniclers of history were usually monks, and those such as Alcuin knew the inhabitants of Lindisfarne personally), in what would become a 250-year reign of terror, violence, slavery, raping, pillaging, plundering and theft either by force or by Danegeld. But as in all good histories, it's important to remember that hurt people hurt people; the perpetrator was at one time a victim. One might say that what goes around comes around. It's no excuse or downplay of what happened there, which literally changed the course of the civilised world, but it perhaps gives a wider perspective on the Vikings of the times rather than just the vicious raiders portrayed in so many documentaries. And it is important to remember that Vikings did not equal Norsemen; the majority of Scandinavians were farmers and fishermen, living as peacefully as their times would allow, and even themselves victims to the occasional Viking raid.
Originally posted on History Undusted on 14 July 2013
Image Credit: Origin Unknown, Pinterest
Filed under Articles, Etymology, History, History Undusted, Military History, Nuts & Bolts, Publications, Research
Tagged as 800 A.D., Alcuin, Anglo-Saxon Chronicles, Blackpool, Carolingian Chronicles, Charlemange, Danegeld, Dublin, Fantasy, Fiction, History, History Undusted, Lindisfarne, Longboats, Military History, Modern Christianity, Monastery, Norse, Novel, Old Norse, Politics, Robert Ferguson, Rome, Russia, Scandanavia, Science Fiction, Scotland, Slavery, The Cardinal, The Hammer and the Cross, the Pope, Viking Age, Vikings
6 responses to "History Undusted: A Small Treatise on the Viking Age, begun at Lindisfarne"
Viktor Steiner
Your research has dug up some very interesting facts and debunked some of our favourite prejudices. Your statement that 'Christianity then had extremely little to do with the teachings of Christ and far more to do with political and military power' is a truly tragic observation. How and why did the Church go so wrong?
dunnasead.co
Fascinating reading. And I love the way you write longer works. Good on you.
As with any fallen race, power corrupts. The Catholic church and the pope rose to be the most powerful, most wealthy institution… that's where "religion" and "Christianity" part ways, the one being a source of power over others, and the other being a living relationship with the Creator.
Thank you, on both counts. 🙂
Tho painfully aware of the distinction between personal spirituality and organized religion, I had not thought about its possible relevance to understanding Viking raids. Thanks for pointing this out.
I would guess that raider/trader people in what is now Denmark were motivated to kill monks less by revenge (for atrocities against their Saxon neighbors to the south) than by the maxim that the best defense is a good offense. "We might be next; let's hit them hard first."
Could be, though by that point they'd already been hit hard by Charlemagne; and actually, Denmark's king, Harald Bluetooth (the eponymous origin of the tech-name) is said to have introduced Christianity to Denmark in 960 A.D. to unite and consolidate his rule over Jutland and Zealand… that's why the modern tech company chose the name – consolidation of resources, uniting them into one universal standard…
A melancholic pragmatist with a wide streak of mischief and an active imagination that turns into novels.
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No Comment: 2021
Virtual Tours 3: Vigeland Museum and Park, Oslo, Norway
Virtual Tours 2: Electric Ladyland Fluorescent Museum, Amsterdam
Virtual Tours 1: The Titanic
No Comment: Numbers
Merry Christmas (2020-Style), Everyone!
History Undusted: Makeup
The Limbo of 2020
Wordless: Dust to Dust
Bad with Numbers
A-Z Writing Challenges
Funny Friday
History Undusted
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Stephanie Huesler · My ponderings, research, tidbits & the nuts and bolts of good writing.


This species is based on a single specimen. Oval shaped dorid with mantle covered with rounded tubercles. The cenetral part of the mantle is orange-brown, while towards the edge it becomes a palre whitish-orange. There are scattered orange-brown patches on the mantle amongst the rounded tubercles. The larger tubercles have an opaque white basal ring and the tip of each tubercle is pale-orange. The rhinophores are orange, with a pale-cream tip, There are six tripinnate gills. In the description the anterior gills are described as yellowish-cream and the two posterior ones orange, but it is more likely that the gills are like some of the Indo-West Pacific species in which the outside of the gills are whitish and the inside is orange. The mantle underside is whitish, with several brown orange spots on each side of foot. Living animal measured 27 mm in length. This species is named after Hans Bertsch, and his wife Rosa.
Domínguez, M., García, F.J. & Troncoso, J.S. (2006) A new species of Hoplodoris Bergh, 1880 (Gastropoda: Opisthobranchia: Nudibranchia) from the Atlantic Ocean The Nautilus, 120 (4) 150-155.


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Managing Kubernetes clusters on a large scale is a tough and complex job. It involves setting up multiple clusters, monitoring them, and updating them up with latest versions and security patches. And it gets even more complicated when you have a multi-cloud strategy and need Kubernetes clusters on different infrastructures. Imagine using vendor-flavoured Kubernetes versions on various infrastructure platforms and thus being trapped with old and/or platform-specific distributions. Or imagine having to adapt your apps and maintain different code lines for each of the infrastructure platforms (although the lingua franca of Kubernetes helps!). Aside from being tough, it would also create unnecessary overhead. What you really need in this case is a Kubernetes environment that provides uniform Kubernetes versions, has common monitoring and logging mechanisms, and allows you to securely manage various infrastructure and cluster credentials.
That's exactly how Gardener is making the lives of development and operations professionals much easier. Gardener is the open source orchestrator from SAP for managed Kubernetes clusters. It offers Kubernetes clusters "as a service" by creating and managing Kubernetes clusters on various cloud infrastructure platforms such as Amazon Web Services, Microsoft Azure, Google Cloud Platform – and potentially in the future even on a customer's own infrastructure.
Gardener securely and homogeneously creates Kubernetes clusters with just a few clicks. Once your cluster has been created, Gardener manages, monitors, and – if anything goes wrong – repairs, patches, and even upgrades affected Kubernetes clusters in a fully automated way. Gardener keeps track of the vital components of these clusters, offering higher levels of service assurance. Gardener uses the official Kubernetes versions from the Kubernetes community, thereby providing the same Kubernetes on different infrastructure platforms.
Want to learn more about Gardener and the technology behind it? Then go to https://gardener.cloud/ or have a look at this blog from my colleagues Vasu and Rafael.
And did I already mention that Gardener is open source and hosted on GitHub? Feel free to have a look, comment or even contribute.
I hope you have now a better understanding why containers are important for cloud native applications and how a container management solution like Kubernetes can help you manage your containers.
There's more to come – stay tuned.


Savor the comforting flavors of Southern home-style cooking with a spring-inspired twist at Memphis Cafe. The refreshed dinner menu features Memphis Cafe's signature dishes reimagined, such as the award winning smoky gumbo and seafood jambalaya, along with new seasonal dishes showcasing the flavors of spring.
The fried green tomatoes with lobster salad is a must try. The batter around the green tomatoes is light with a great crunch. A perfect compliment to the fresh lobster roll style salad with tarragon, smoked paprika vinaigrette, and dandelion greens on top.
The new spring dinner menu at Memphis Cafe will unveil on March 12, 2018.
ground, smoked pork, seasonings, rice and vegetables rolled into meatballs and roasted, then coated in corn flakes.


What the Best Script & Server for Setup Private Email Marketing Platform ?
Discussion in 'Black Hat SEO Tools' started by K.H.R, Jul 2, 2015.
Now I am using Autoresponder & VPS + SMTP for sending email, Mostly its called "Spamming" now a days. Inboxing Ratio Not Good also. So I dont want to use it.
I want Setup my own email server to send email in Professional Look. I also used Getresponse, Madmini, Mailchimp for Small Subscribers. And They have huge restrictions. So I want to setup my Own like them (I am not meaning I want to setup a Company Like Them, LOL).
I want to Collect Subscriber, Send Huge Email with 99% Inboxing, Track All Data & Get Reports (Open & Click Rate, Bounce Rate). Also People(List) can Unsubscribe or Manage Their Subscription Like they can do in Getresponse/Mailchimp & Others Popular Email Marketing Platform.
How can I do it ? What is the Best Script/Software & Server to setup my Own Private Email Marketing Platform ?
I also see some Script/Software they looks good. But I want your Suggestion, Help, Guide & Feedback/ Review.
There is no one who can help ?
Are you serious ? Or just kidding ?
First setup your server nicely. I mean setup spf,dkim,rdns etc. Then give attention to responder.
Hmm, I can Use this as SMTP. Look Good, Less Price.


Pump Aid has recently partnered with Gaucho Restaurants. Gaucho serves authentic and high quality beef in restaurants worldwide, from the Pampas of Argentina. Read the full article to learn more about this new partnership.
Ambassador for Pump Aid, Lord Jack McConnell, reminds us why it is so essential that access to safe water remains a top priority for the international community and why it is so important to ensure that international donors use accurate statistics on which to base funding decisions to support water and sanitation improvements in developing countries.


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Home / Arts / Colossal new artwork unveiled in Camden church
Communications / 4 December 2014
Colossal new artwork unveiled in Camden church
An art installation measuring over 60 square metres will be officially opened to the public in St Michael's Church on Camden Town on Thursday 4 December.
HS, by Maciej Urbanek, covers the entire west wall of the huge Victorian Church and could be one of the world's largest photographic works.
The installation, which covers badly damaged plasterwork in a church still in need of a great deal of restoration, appears to the viewer to be a vast explosion of fabulous silvery light. However it is made from the most humble of materials – dustbin bags which the artist has arranged, lit and photographed such that a mundane material is transformed into a grand, majestic artwork.
Fr Philip North, the parish priest at St Michael's, commented:
"This piece is the most amazing achievement and surely one of the most stunning pieces of art in Camden.
"For us as Christians, the fact that ordinary dustbin bags have been used to create something so overwhelmingly beautiful is a metaphor for God's work in taking ordinary human lives and making them extraordinary.
"This is also part of our response as a Parish to Capital Vision 2020 and and its invitation to churches to be creative in engaging with the world of arts.
"What I like about it is that it is fearlessly contemporary and yet subtly references the tradition. In Baroque churches it was fashionable to have an image of divine light against the west wall, and Urbanek quotes that tradition but in a way that is entirely new and completely radical."
St Michael's Church is next to Sainsburys on Camden Road and HS can be viewed any afternoon when the Church is open to the public. There is no charge.
FOUND UNDER : Arts, Capital Vision 2020, Featured articles, News
About Communications
The diocesan communications team provides support to the network of clergy, churches, parishes and other worshipping communities that comprises the Diocese of London, as well as to the staff teams of the London Diocesan Fund.
Read more from Communications


text:
#ifndef ALILNAODTRACKCUTS_H
#define ALILNAODTRACKCUTS_H

// AOD track cuts for B2
// author: Eulogio Serradilla <eulogio.serradilla@cern.ch>

class AliAODEvent;
class AliAODMCParticle;
class AliAODTrack;
class TString;

class AliLnAODtrackCuts: public TObject
{
  public:

	AliLnAODtrackCuts();
	virtual ~AliLnAODtrackCuts();

	Bool_t IsWithinGeoAcceptance(const AliAODMCParticle* prt) const;
	Bool_t IsWithinGeoAcceptance(const AliAODTrack* trk) const;
	Bool_t IsWithinGeoAcceptance(Double_t p[3]) const;

	Bool_t IsKinkDaughter(const AliAODTrack* trk) const;

	Bool_t AcceptItsTpcNSigma(const AliAODTrack* trk, Double_t b[2], Double_t bCov[3]) const;
	Bool_t AcceptItsTpcDCA(const AliAODTrack* trk, Double_t b[2]) const;
	Bool_t AcceptItsTpcStdCut(const AliAODTrack* trk, Double_t b[2]) const;

	Bool_t AcceptTOF(const AliAODTrack* trk) const;

	Bool_t AcceptTrack(const AliAODTrack* trk, Double_t b[2], Double_t bCov[3]) const;

	Bool_t TOFmatch() const { return fTOFmatch; }

	Double_t GetIntegratedLength(const AliAODTrack* trk, Int_t pid=0) const;
	Double_t GetNSigmaToVertex(Double_t b[2], Double_t bCov[3]) const;

	Double_t GetNTPCXRowsOverFindable(const AliAODTrack* trk) const;

	void SetSelectionCriteria(const TString& trksel);

	void SetMaxDCAxy(Double_t max) { fMaxDCAxy=max; }
	void SetMaxDCAz(Double_t max) { fMaxDCAz=max; }
	void SetMaxNSigmaToVtx(Double_t max) { fMaxNSigma=max; }
	void SetMaxEta(Double_t max) { fMaxEta=max; }
	void SetTPCXRowsCut(Bool_t xrows=1) { fTPCXRows=xrows; }
	void SetMinTPCnClsOrXRows(Int_t min) { fMinTPCnClsOrXRows=min; }

  private:

	TString fTrackSel; // selection criteria
	Double_t fMaxDCAxy; // maximum dcaxy value
	Double_t fMaxDCAz; // maximum dcaz value
	Double_t fMaxNSigma; // maximum number of sigmas to primary vertex
	Double_t fMaxEta; // maximum pseudorapidity value
	Bool_t fTPCXRows; // enable cut on the number of crossed rows
	Int_t fMinTPCnClsOrXRows; // minimum number of TPC clusters or crossed rows
	Bool_t fTOFmatch; // if a TOF match signal is required

	ClassDef(AliLnAODtrackCuts,1)
};

#endif // ALILNAODTRACKCUTS_H

redpajama_set_name: RedPajamaGithub


Self-Help Made Simple. The title of this book says it all. You'll find practical and straightforward tips and advice on how to make the most of what you have now, find out what you really want, and how to go about getting it. It's for all of you out there who want to turn your goals and dreams into reality. There are no gimmicks here, only no-nonsense usable tips on how you can start living the life that is right for you.
This book is unique and captivating. Ten short stories are illustrated with old time family photos. Author, Clare Ventura, grew up on Maui, Hawaii. In her easy-to-read stories, the author takes the reader back to a time of childhood innocence. The stories all end with a reflection about what happened, and how the author realizes a lesson from the incident. The stories end with the same refrain "And so it is with my life, and so it has been with my life." The easy-to-relate-to stories will definitely make you realize too, that sometimes, there are life lessons to be learned from even what may have seemed innocent and mundane. These amusing Self Help Stories are more than just stories. they bring with them powerful thoughts that may change your life.


Goa State Lottery Results. Rajshree Keno Weekly Lottery Held on 16th April 2019.
We are bringing here Tuesday weekly Goa lottery results for the 16th April 2019. Those want to checkout the results of Rajshree Keno weekly lottery, can come at our website Gambling India Info. Here we will update the list of all Keno winning numbers as soon as it comes out. The state government of Goa will make the announcement of results around at 6:00 PM.
So keep stay with us and don't miss any updates on lottery results.


text:
Home All Events Sephora Challenge by IE University
Sephora Challenge by IE University
AIMED AT Undergraduate and Master Degrees
EVENT TYPE Conferences & Master classes
Selected participants will be invited to the exclusive opportunity to experience a class like project and learn about SEPHORA's enhanced customer experience.
On Jan 12th, 2021, participants will be presented with the "SEPHORA SPAIN: CONTINUING TO INNOVATE & ENHANCE THE RETAIL CUSTOMER EXPERIENCE" case. Irma Ugarte, Marketing and eCommerce Director SEPHORA, will join Jose Esteves, IE University Associate Dean, to give students a real-world account of the case intricacies, just like in a real IE University class.
After the presentation, they will be assigned to mixed nationality teams of bright colleagues from diverse backgrounds and start to work together. To kick-off the conversation, each team will have time with an IE alumna/us, a specialist in the case's topic.
The teams will have one week to prepare and will reconvene on Jan 19th, 2021 to pitch in front of a Jury of Sephora and IE University Directors and Professors.
Winners for team, communication, and leadership prizes will be awarded important IE University scholarships and SEPHORA prizes.
The sessions will be held in IE University's WOW room, a futuristic learning space with 48 screens that comprise a digital tapestry of 45m2 shaped in the form of a "U" and with up to 200-degree vision.
Collaboratively and online. Join us for the challenge!
DEADLINE TO APPLY: JAN 10TH
Jose Esteves
Associate Dean for MBA and TECHMBA Programs | Professor
PhD in Software – Information Systems, Universidad Politecnica de Catalunya, Spain; Master in Information Systems, Universidade do Minho, Portugal; Diploma in Business Administration, minor in financial management, Instituto Superior de Tecnologia Impresarial, Portugal; Engineer in informatics and systems, Universidade do Minho, Portugal.
Irma Ugarte
Marketing & eCommerce Director SEPHORA (LVMH)
An executive with 15+ years of experience, Irma has been lucky enough to work in three industry-leading companies (P&G, Mondelez International, and LVMH) surrounded by great professionals who have inspired her and showed her the power of true teamwork.
Organized by IE Europe
europe@ie.edu


Should Tasmania introduce 'notional estate' laws?
This Issues Paper evaluates Tasmania's current laws relating to the defence of insanity and fitness to stand trial, and seeks community input on these topics.
This report recommends a major overhaul of Tasmania's guardianship laws, which are outdated and need to be reformed to advance the rights of people with disability. It is the first comprehensive review of the Act since it came into force 20 years ago.
This paper evaluates Tasmania's current laws governing the review of administrative decisions, and seeks community input on this topic.
This report was prepared following a community consultation, which confirmed concerns that some aspects of the laws relating to consensual assaults are unclear, and do not reflect contemporary views about when the law should criminalise consensual assaults.


India Partners is Christian charity committed to supporting self-help ministry projects in India. We believe in helping the people of India help themselves, with God's grace. India Partners works with Christian indigenous organizations in India that are seeking self-sufficiency. Projects include: sponsoring a child, widow, teacher or pastor, developing orphanages and schools, village development, disaster relief, sharing the Gospel of Christ, literacy programs, vocational training, prison ministry, rescuing women and children from the red-light districts, WASH (Water, Sanitation and Hygiene) projects, sewing schools, building hospitals and clinics, short-term teams, training the physically disabled, fishery, water, and agricultural projects.
You can help establish a chicken farm that will support pastors' families and orphaned children. After the first batch of chickens, the farm will be self-sustainable. $10 will purchase five chicks and provide their feed.
India has more malnourished children than any other country in the world. Widows in India are neglected and left to fend for themselves in the Indian culture. For $35/month, you can give the hope of God to a child or widow in need. Your sponsorship will provide food, clothing, medical care, and education or vocational training, if appropriate. Your friend will also learn about Jesus.


text:
FzMovies - Searching for Chi McBride movies
Searching for movies with: Chi McBride
I Robot (2003) (BluRay)
Set in a future Earth (2035 A.D.) where robots are common assistants and workers for their human owners, this is the story of "robotophobic" Chicago
Police Detective Del Spooner's investigation into the murder of Dr. Alfred Lanning, who works at U.S. Robotics, in which a robot, Sonny , appears to be implicated, even though that would mean the robot had violated the Three Laws of Robotics, which is apparently impossible. It seems impossible because.. if robots can break those laws, there's nothing to stop them from taking over the world, as humans have grown to become completely dependent upon their robots. Or maybe... they already have? Aiding Spooner in his investigation is a psychologist, Dr. Susan Calvin, who specializes in the psyches of robots.
...<more>
Hoodlum (1997) (BluRay)
The film focuses on the war of two gangs in 1930s Harlem for the control of illegal gaming - one headed by black strategic godfather Bumpy Johnson an
d another by white ruthless hothead Dutch Schultz. Negotiations proposed by white syndicate boss Lucky Luciano never get under way, blood flows and Johnson gets jailed. When Johnson is paroled, he gets the work of enforcer for mighty Stephanie "The Queen" St. Clair. She is also jailed for racketeering and when she leaves she makes him promise "no violence".
Pawn Shop Chronicles (2013) (BluRay)
A missing wedding ring leads to a wild-goose chase involving meth addicts, skinheads and an Elvis impersonator.
Narc (2002) (BluRay)
When the trail goes cold on a murder investigation of a policeman an undercover narcotics officer is lured back to the force to help solve the case.
The Terminal (2004) (BluRay)
An eastern immigrant finds himself stranded in JFK airport, and must take up temporary residence there.
Paid in Full 2002 (2002) (BluRay)
A young man from Harlem, forced to cope with the 1980s drug scene, builds an illegal empire, only to have a crisis of conscience.
The Terminal [Hindi] (2004) (BluRay)
Victor Navorski reaches JFK airport from a politically unstable country. Due to collapse of his government, his papers are no longer valid in the airp
ort, and hence he is forced to stay in the airport until the war cools down. He makes the airport his home and develops a friendship with the people…
Mercury Rising [Hindi] (1998) (BluRay)
Bruce Willis is an outcast FBI agent who protects a 9 year old autistic boy who is the target for assassins after cracking a top secret government cod
e. Written by ShowBob
Lets Go to Prison (2006) (WEBRip)
When a career criminal's plan for revenge is thwarted by unlikely circumstances, he puts his intended victim's son in his place by putting him in pris
on...and then joining him.
Tags : frame up | judge | revenge
Roll Bounce (2005) (WEBRip)
In the summer of 1978, a teenager and his group of friends face new challenges when their neighborhood roller-skating rink closes, forcing them to vis
it a different rink.
Tags : chicago illinois


text:
Maine's made progress on domestic violence, but the job isn't done
By Professor Jennifer B. Wriggins
Originally published in the Bangor Daily News
If you go to almost any state court in the U.S. on any given day, you'll likely see judges and court staff dealing with cases involving domestic violence. This is a huge improvement over 45 years ago when government ignored domestic violence and victims lacked remedies.
Using laws passed in each state between 1976 and 1990, anyone can request a court order to compel an abuser to stop and stay away. These workaday laws known as "protective order" laws, while often unheralded, are one of the most significant law reforms of the 20th century because government, for the first time, created an opportunity for protection against domestic violence. The large majority of domestic violence is by men against women, but the laws allow anyone to ask for relief.
Last year 5,424 people came to Maine courts seeking help with domestic violence. Without protective order laws, the doors would be slammed in their faces. As a lawyer who has dealt with domestic violence cases and as a legal scholar who studies the law's response to domestic violence, I have seen its toll and the difference law can sometimes make.
Even those who favor a limited role for government agree that, as conservative legal scholar Richard Epstein wrote in his 1992 book, "Forbidden Grounds," government should aim to "control the use of force and fraud." Before passage of protective order laws, government did little to even attempt to control the use of force in intimate relationships.
Today we still struggle to promote awareness of domestic violence. In the past it was invisible and simply did not matter legally. Forty years ago, if a wife was injured by her husband and tried to get compensation from him, the legal system essentially told her she was on her own. And the criminal justice system provided no remedy. Partly this was the result of a system that developed to prosecute events that happened in the past, rather than to prevent new crimes from occurring. A protective order is a forward-looking device that aims to provide "effective, short term protection against further abuse," as Maine's first law, passed in 1980, put it.
The protective order laws did not appear out of thin air. They passed through the hard work of grassroots activists and their allies in every state. These advocates insisted that violence taking place in private was as serious as violence in public. They also said government should do more to protect against and stop private violence.
The laws are written in straightforward language so that people can go to court without a lawyer. They allow temporary orders based on a sworn affidavit and the possibility of a longer-lasting order after a hearing where both parties have an opportunity to testify before a judge. This structure of temporary and then longer-lasting orders is modeled on procedures long found throughout U.S. law. Some defendants at first argued that the laws were unconstitutional, but courts upheld them; their use is routine today.
The Maine Legislature has revised the laws many times when events or new information have warranted it. For example, in 1987, a lesbian's request for a protective order was rejected because the judge thought the law did not protect members of same-sex couples. Two years later, the Legislature clarified the law protected these couples.
Similarly, at first Maine's protective order laws did not protect against the harm we now know as stalking, including harassing by repeatedly following someone. One woman's ex-husband murdered her in 1989. She had asked for protection in court because of his ceaselessly following her. But the request was turned down. In 1995, following her and other deaths, Maine lawmakers added protections against stalking.
We live in a time when there are huge debates about the role of government and the purpose of laws. It's more important than ever to celebrate and learn from the achievements of grassroots activists and the lawmakers they persuaded through their persistent, informed advocacy. Protective orders have evolved over time to address the needs of Mainers because of good-faith partnerships between advocates and legislators. The laws they passed together began to protect people from the use of force in private for the first time – a huge step forward.


text:
require 'rails_helper'

# This spec was generated by rspec-rails when you ran the scaffold generator.
# It demonstrates how one might use RSpec to specify the controller code that
# was generated by Rails when you ran the scaffold generator.
#
# It assumes that the implementation code is generated by the rails scaffold
# generator.  If you are using any extension libraries to generate different
# controller code, this generated spec may or may not pass.
#
# It only uses APIs available in rails and/or rspec-rails.  There are a number
# of tools you can use to make these specs even more expressive, but we're
# sticking to rails and rspec-rails APIs to keep things simple and stable.
#
# Compared to earlier versions of this generator, there is very limited use of
# stubs and message expectations in this spec.  Stubs are only used when there
# is no simpler way to get a handle on the object needed for the example.
# Message expectations are only used when there is no simpler way to specify
# that an instance is receiving a specific message.

module EnjuRoot
  RSpec.describe NomensController, type: :controller do

    # This should return the minimal set of attributes required to create a valid
    # Nomen. As you add validations to Nomen, be sure to
    # adjust the attributes here as well.
    let(:valid_attributes) {
      skip("Add a hash of attributes valid for your model")
    }

    let(:invalid_attributes) {
      skip("Add a hash of attributes invalid for your model")
    }

    # This should return the minimal set of values that should be in the session
    # in order to pass any filters (e.g. authentication) defined in
    # NomenController. Be sure to keep this updated too.
    let(:valid_session) { {} }

    describe "GET #index" do
      it "assigns all nomen as @nomen" do
        noman = Nomen.create! valid_attributes
        get :index, {}, valid_session
        expect(assigns(:nomen)).to eq([noman])
      end
    end

    describe "GET #show" do
      it "assigns the requested noman as @noman" do
        noman = Nomen.create! valid_attributes
        get :show, {:id => noman.to_param}, valid_session
        expect(assigns(:noman)).to eq(noman)
      end
    end

    describe "GET #new" do
      it "assigns a new noman as @noman" do
        get :new, {}, valid_session
        expect(assigns(:noman)).to be_a_new(Nomen)
      end
    end

    describe "GET #edit" do
      it "assigns the requested noman as @noman" do
        noman = Nomen.create! valid_attributes
        get :edit, {:id => noman.to_param}, valid_session
        expect(assigns(:noman)).to eq(noman)
      end
    end

    describe "POST #create" do
      context "with valid params" do
        it "creates a new Nomen" do
          expect {
            post :create, {:noman => valid_attributes}, valid_session
          }.to change(Nomen, :count).by(1)
        end

        it "assigns a newly created noman as @noman" do
          post :create, {:noman => valid_attributes}, valid_session
          expect(assigns(:noman)).to be_a(Nomen)
          expect(assigns(:noman)).to be_persisted
        end

        it "redirects to the created noman" do
          post :create, {:noman => valid_attributes}, valid_session
          expect(response).to redirect_to(Nomen.last)
        end
      end

      context "with invalid params" do
        it "assigns a newly created but unsaved noman as @noman" do
          post :create, {:noman => invalid_attributes}, valid_session
          expect(assigns(:noman)).to be_a_new(Nomen)
        end

        it "re-renders the 'new' template" do
          post :create, {:noman => invalid_attributes}, valid_session
          expect(response).to render_template("new")
        end
      end
    end

    describe "PUT #update" do
      context "with valid params" do
        let(:new_attributes) {
          skip("Add a hash of attributes valid for your model")
        }

        it "updates the requested noman" do
          noman = Nomen.create! valid_attributes
          put :update, {:id => noman.to_param, :noman => new_attributes}, valid_session
          noman.reload
          skip("Add assertions for updated state")
        end

        it "assigns the requested noman as @noman" do
          noman = Nomen.create! valid_attributes
          put :update, {:id => noman.to_param, :noman => valid_attributes}, valid_session
          expect(assigns(:noman)).to eq(noman)
        end

        it "redirects to the noman" do
          noman = Nomen.create! valid_attributes
          put :update, {:id => noman.to_param, :noman => valid_attributes}, valid_session
          expect(response).to redirect_to(noman)
        end
      end

      context "with invalid params" do
        it "assigns the noman as @noman" do
          noman = Nomen.create! valid_attributes
          put :update, {:id => noman.to_param, :noman => invalid_attributes}, valid_session
          expect(assigns(:noman)).to eq(noman)
        end

        it "re-renders the 'edit' template" do
          noman = Nomen.create! valid_attributes
          put :update, {:id => noman.to_param, :noman => invalid_attributes}, valid_session
          expect(response).to render_template("edit")
        end
      end
    end

    describe "DELETE #destroy" do
      it "destroys the requested noman" do
        noman = Nomen.create! valid_attributes
        expect {
          delete :destroy, {:id => noman.to_param}, valid_session
        }.to change(Nomen, :count).by(-1)
      end

      it "redirects to the nomen list" do
        noman = Nomen.create! valid_attributes
        delete :destroy, {:id => noman.to_param}, valid_session
        expect(response).to redirect_to(nomen_url)
      end
    end

  end
end


At times I find myself researching what is top of mind for HR professionals. While reading a few articles, I realized what is keeping HR professionals up at night are the same things that are imperative to the CEO, President, CFO and other top executives: attracting, retaining and developing their top talent.
Although organizations communicate concerns about attracting, retaining and developing their talent, many aren't doing much about it. I've learned over time that all businesses need partners to help them be more effective, especially in the busy world we live in. We are bogged down from a work perspective and our personal lives are more demanding than ever. We all need support systems to be at our best. It's imperative now more than ever for HR professionals to focus on strategic issues, and find assistance through outside partners to help with other items.
I want to take you through elements of attracting, retaining, and developing talent to help make your organization and your role in HR more strategic. Let's start with attracting top talent.
Frequently when I talk to people who are looking for new opportunities, whether full-time or part-time, I learn that most companies do not follow up with those who apply. As a reminder, the applicant experience starts online whether through a job board where your posting is listed, on your company website or through the company's applicant tracking system. All of this happens even before you are aware of them as a prospective candidate for your business need.
Recently I called an HR professional, a person I respect, and was greeted with a lengthy voice mail message addressing reasons I may have been calling. One option on the message directed me to their website if I was enquiring about employment opportunities. Another option said if I was calling to check on an application I had submitted, they do not return individual phone calls because of the volume of applications received. So the message to the candidate is unless you are the lucky person with just the right qualifications, you will not hear from this HR professional or business. For a job seeker this is a turn off. Why would someone want to work for this company?
I was not calling to inquire about employment; I was calling to follow up with this person regarding a message sent to me, so after listening to this lengthy greeting, I left a message. The next week I left another message and the following week the same. Even though this is a person I know and I was calling to respond to an actual request, I still have not received a return call. Although I'm grateful I'm not looking for employment, it made me realize how frustrating it must be for people who are. The employee life cycle you read and hear about starts at this point. What does a non-response say about how much you care for employees you are trying to attract to your organization?
Unfortunately most, not all, HR people have this reputation of not following up. Today HR is dealing with new technology, changing the culture of organizations, keeping up with changing laws and getting the right people in the right places. It's difficult to balance all that requires attention. And there's added pressure knowing HR is responsible for a candidate's initial feelings about an organization. If HR is unresponsive or negative in some fashion, it will take much for them to overcome this experience. This certainly does not help in attracting top talent.
In this world of technological advances, try to keep things as personable as you can by increasing opportunities to interact with candidates personally. Follow up with candidates, even if they don't meet your needs. Use technology to your advantage and send 'Thank You but No Thank You' emails. Be honest with people who you have interviewed that don't quite fit the bill. People appreciate this more than you may realize. Your company's reputation is on the line and HR is the front line.


text:
Social media has changed the way businesses and professionals promote themselves. Our social media and digital skills courses enable delegates to understand the benefits of the most popular platforms and how to use them effectively.
Our Social Media and Digital skills courses are delivered by David Glenwright from JC Social Media. David is a highly regarded digital skills trainer and heads up the training services team at the award-winning JC Social. He has worked closely with organisations of all shapes and sizes and helps people to navigate easily and confidently the digital minefield.
David is one of only 8 people in the UK who is accredited to deliver Facebook's 'She Means Business' programme and is a regular media contributor and commentator on all things social media related. He was recently certified by the Facebook Blueprint scheme as a media planning professional.
If you have any questions which anything mentioned on this page, contact our Training and Development team via email; training@blackcountrychamber.co.uk.
Social Media Content Theory & Principles
Every business is trying to achieve different things with their social media presence, whether it be brand awareness, generating enquiries, making sales or something else entirely. However, no matter the goal, there are some concepts and principles that underpin all successful strategies online. Understanding these will unlock your true potential on social media.
Key learning outcomes:
The importance of building relationships online, and how to generate business without needing to sell yourself
How social media algorithms work, and what you need to do to use them to your advantage
What makes an image stand out, and how you can create thumb-stopping content to attract your audience
In this current adapted world, social media skills & online presence is needed more than ever to connect and engage with your customers and audience.
This course is ideally suited for anyone who is responsible for the day-to-day management of company social media accounts and is looking to improve their understanding of how social media works, and what steps they can take to improve reach and engagement organically.
Members: £100 +VAT
Non-Members: £125 +VAT
13:00 - 15:00 | Online
Establishing a Presence on LinkedIn
LinkedIn has experienced phenomenal growth throughout 2020, increasing its membership by nearly 80 million users. Previously seen by some as a little more than an online directory of contacts, LinkedIn has become a critical tool in generating new business. However, before that can be harnessed, it's vital to ensure that you have a presence on the platform that not only accurately represents you and your business, but compels people to connect and engage with you.
The importance and value of personal professional profiles in supporting a company presence
How to optimise the key components of both personal profiles and business pages to effectively sell yourself and your business
How to navigate LinkedIn's newsfeed effectively and efficiently to save you time and show you relevant content
This course is suitable for anyone who has a client/customer-facing role in a professional or B2B industry with little or no previous experience in utilising LinkedIn.
Generating Leads & Driving Results Through LinkedIn
Few people enjoy receiving unsolicited sales messages on LinkedIn, and it's a strategy that often takes up a lot of time with very few results. However, that doesn't mean LinkedIn can't be used to generate new business from both new and existing connections alike. By focussing on relationships and meaningful connections, it's possible to use this platform in a way that will bring in new business and further your personal development.
Why people use LinkedIn, and therefore what kind of approach they are most likely to be open to engaging with
Ways to use the newsfeed and other tools to react and engage with inbound opportunities
How to use advanced search and other tools to identify new prospects and best practices for making an initial approach
This course is suitable for anyone who is familiar with using LinkedIn in a personal or professional capacity but is keen to start converting conversations into genuine leads and opportunities. Experience in using LinkedIn Premium is not necessary.
Advanced Use of Facebook Ads Manager
Facebook's Ads Manager gives business owners and marketing professionals a wealth of options and functionality for precision targeting and complex advertising funnels. Whilst it can be initially overwhelming, many of these features are intuitive and can be used creatively to build and develop different target audience groups according to your products and services. When combined with detailed analytics and results data, Facebook Ads Manager can be used on an ongoing basis to really understand your audience and give them the content that they want
Best practices for making and maintaining advanced audiences that incorporate website tracking and other external data sources
Why funnel strategies can significantly improve results, and how they can be created to run automatically
What the available key metrics and data sets are, how they can be interpreted, and how that information can be used to inform future strategies
This course is suitable for social media or marketing managers and professionals who are looking to run paid ads on Facebook and Instagram on a regular basis. You will have had some experience in using ads manager previously and will have a good understanding of how to set up a single ad using the platform. Having Facebook Business Manager set up is strongly recommended.
Creating your First Campaign Using Facebook Ads Manager
Running paid ads on social media has become an essential strategy for many businesses, and Facebook is often the focus of these strategies. In order to make it easy for anyone to create ads, Facebook has a number of different tools and methods available for building these campaigns. However, in order to really get the most out of Facebook's capabilities, advertisers should always look to use the standalone Ads Manager platform to manage their spend.
Why and how Ads Manager is different from boosting posts and using Facebook's Ad Centre
Ways in which you can create simple but effective audiences for both awareness and retargeting campaigns
How to create a simple single-ad campaign that will achieve your desired business goals
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LEF Moving Image Fund Info Session
On December 6, 2022, LEF New England staff hosted a virtual info session for filmmakers planning to submit a letter of inquiry for the Moving Image Fund.
LEF New England Now Accepting Moving Image Fund Letters of Inquiry for Projects in Production & Post-production Through January 20
Harvard FSC-LEF Fellowship, Virtual Info Session, an Update to MIF Applications, and Announcing LEF's Fall Grant Cycle
LEF Foundation Announces $45,000 in Pre-production and Early Development Grants to New England Documentary Filmmakers
The LEF Moving Image Fund invests in feature-length documentary films that demonstrate excellence in technique, a resonant story or idea, and originality of artistic vision and voice. The most recent round of awards includes six grants of $5,000 to projects at the Pre-production stage and six grants of $2,500 to projects at the Early Development stage.
LEF Foundation Announces $205,000 in Production and Post-production Grants to New England Filmmakers
The LEF Moving Image Fund invests in feature-length documentary films that demonstrate excellence in technique, strong storytelling ability, and originality of artistic vision and voice. The most recent round of awards includes seven grants of $15,000 to projects at the Production stage and four grants of $25,000 to projects at the Post-production stage.
LEF New England Now Accepting Moving Image Fund Applications for Pre-production and Early Development Through June 3
A maximum of (6) Pre-production grants of $5,000 each and (6) Early Development grants of $2,500 each will be awarded for the use of research, travel, location scouting, script or storyboard development, experimentation with shooting picture and sound, distribution planning, fundraising, creating a trailer, and schedule and budget development.
Meet LEF's New Program Officer
We are excited to welcome Matthew LaPaglia as our new Program Officer! Matthew comes to LEF having recently completed his graduate studies at Emerson College,
Khary Saeed Jones has been selected as the 2021-22 recipient of the Film Study Center-LEF Foundation Fellowship
LEF and the Harvard Film Study Center are excited to announce that Khary Saeed Jones has been selected as the 2021-22 recipient of the Film Study Center-LEF Foundation Fellowship with his project "Night Fight".
LEF Announces $47,500 in Early Development and Pre-Production Funding to New England-based Documentary Filmmakers
The LEF Foundation has awarded 12 Moving Image Fund grants totaling $47,500 in support of feature-length documentary works by New England-based filmmakers.
LEF Foundation Announces $190,000 in Production and Post-production Grants to New England Documentary Filmmakers
LEF and the Harvard Film Study Center have also announced that Khary Saeed Jones has been awarded the FSC-LEF Fellowship for 2021-22. The LEF Foundation
The LEF Foundation has awarded 12 Moving Image Fund grants totaling $50,000 in support of feature-length documentary works by New England-based filmmakers. The LEF Moving
LEF Moving Image Fund Awards Summer 2019 Pre-Production Grants to New England Independent Documentary Filmmakers
The LEF Foundation has just announced 6 grants totaling $30,000 in pre-production funding to projects directed or produced by New England-based independent documentary filmmakers. The
LEF New England Moving Image Fund Awards $190,000 in 2019 Production and Post-Production Grants to Independent Documentary Filmmakers
Today, the LEF Foundation announced 10 Moving Image Fund grants totaling $190,000 in support for New England-based independent documentary filmmakers. Read the full announcement. The


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Deutsch (de)	 English (en)
Home Broker Reviews LCG
Analyst Team	traders
The AskTraders Analyst Team features experts in technical and fundamental analysis, as well as traders specializing in stocks, forex, and cryptocurrency.
13 minutes read/10 Dec 2020
Founded in 1996, London Capital Group is a provider of online trading services based in London with additional offices in Cyprus and the Bahamas.
The firm offers both CFD trading and spread betting, and it uses a hybrid broker model so that it both passes client orders through to the market and also acts as a market maker.
If you are interested in how we review, then read further to determine if the broker will satisfy your trading needs and whether it makes sense to open an account today.
AskTraders Broker of the Month
FXTM: Broker of the Month
FXTM (trading under ForexTime Limited) is a multi-award-winning, leading Forex and CFD broker. Regulated by several financial authorities, including the top-tier Financial Conduct Authority (FCA) in the UK, FXTM not only provides a safe and secure place to trade but an industry-leading experience for traders of all levels. You can get started with just £100 or practice for free in a demo account
Note that this is not a Forex or a cryptocurrency review because its a CFD broker that also allows UK residents to engage in spread betting so that any gains made are tax free.
Broker Overview
LCG Lower trading fees
😁 We really liked…
Award-winning CFD and spread-betting broker
Spread betting allowed for UK residents
Provides access to markets in over 7,000 instruments in nine asset classes
Offers vanilla options
Supports MetaTrader 4 (MT4)
😕 Could improve...
Does not accept PayPal deposits
Charges a 2% deposit fee for using credit cards
Can't withdraw less than £50 unless closing account
You can trade
LCG CFD Review ,	LCG Social Trading Review ,	LCG Spread Betting Review
LCG Review Navigation
Regulation and Deposit Protection
What can you trade?
#1 LCG CFD Review
Min Deposit App Support Max Leverage Trading Fees
£1 Mid 1:30 Mid
Offers a very wide range of assets you can trade CFDs on. The broker states that it provides access to markets in over 7,000 instruments across nine different asset classes. You can even trade vanilla options on a decent range of currencies, indices and equities.
The broker uses a hybrid straight-through-processing (STP) broker model to facilitate deal executions, although it also acts as a market maker itself. An electronic communication network (ECN) trading account is available.
When it comes to trading CFDs on currencies, the broker offers access to a moderate range of 60 CFDs on currency pairs. This range includes all major currency pairs and their crosses, in addition to a decent selection of minor and exotic pairs. You can also trade spot gold and silver, so you do not have to worry about contract expirations.
Furthermore, you can trade forex at LCG in micro lot sizes as small as 0.01 in all account types. Maximum leverage ratios for UK clients range from 30 to 1 for retail clients up to 500 to 1 for those traders who qualify as professionals.
If you are into stocks, then you can trade CFDs on 31 indices, as well as on over 3,500 individual stocks quoted on the top UK, U.S. and EU listed equity markets. Exchange traded funds (ETFs) are also available. Note that there is typically a modest additional spread tacked on for trading these CFD products over the exchange-quoted prices.
Bond and money market traders can trade CFDs on U.S. 10 and 30-year treasuries, German bunds, UK Gilts, Short Sterling, Swiss Euroswiss contracts and Euribor rates.
#2 LCG Social Trading Review
£1 Mid 1:30 High
Social trading only consists of the broker's support for MT4's Trading Signals service. This sizeable social trading network consists of a community of experienced MT4 traders that allow others traders to copy their transactions automatically. The fees they charge for this service and their performance can vary substantially.
#3 LCG Spread Betting Review
£1 Good 1:30 Mid
Spread betting is available to LCG's UK clients who trade via the broker's London offices. The main benefit of this form of trading is that your trading gains will typically be tax-free. In particular, UK stamp duty, income tax and capital gains tax do not apply to profits made while spread betting.
Like CFD trading, you can use the same trading platforms and trade in an unusually wide variety of instruments and asset types at LCG, including 3,500 shares, 60 currency pairs, and a range of commodities and indices.
You can also use leverage when spread betting, and the Financial Conduct Authority (FCA) allows UK residents to use up to a 30 to 1 leverage ratio. Margin requirements are low and start at 3%.
Spread betting dealing spreads are competitive, and there is no minimum deposit required to open up a live account with LCGF to start spread betting in it.
What did our traders think after reviewing the key criteria?
Clients should expect to pay away the dealing spread whenever they enter and exit a position. Dealing spreads are variable at LCG and depend on current market conditions.
Αlso states in its terms and conditions document that it does mark up and mark down the prices it receives for those with Classic CFD Trading accounts, so the variable spreads Classic clients receive are going to be wider than the actual market pricing.
Those with ECN accounts have the benefit of getting direct market pricing. This means dealing spreads can be very tight at times, although the broker does require a $10,000 minimum balance and charge a commission of $45 for each $1,000,000 traded on all symbols using LCG Trader and $10 per standard lot if you use MT4.
LCG may also charge you a monthly inactivity fee if there has not been any activity in your account for more than 180 days. For UK traders, this is £15 per month.
When it comes to making payments, it charges a 2% fee to make deposits via credit cards. This fee is unusual among online brokers, so you might want to consider using other deposit methods.
Additional fees may include rollovers or swaps if you hold a position overnight when long the currency with the lower interest rate in a pair. If you have an Islamic account, you will pay no rollover fees, but broker does have a "holding charge" that applies to positions held in an Islamic account for more than a certain number of days. This charge varies in amount and holding period depending on the asset. For example, if you hold a EUR/USD position for more than 15 days, then you will pay a $3/lot holding charge.
LCG offers three basic live trading account types that should suit most traders, in addition to a demo account that is free to open and comes funded with £10,000 of virtual money. All of the accounts currently allows forex traders to deal in minimum micro lot sizes of 0.01. You can choose among the following list of live account types:
Classic CFD Trading Account: Requires no minimum deposit and allows you to trade over 7,000 instruments in nine different asset classes. This account type offers very competitive pricing and trustworthy execution. You can also access a variety of market analysis, research and learning material to help you trade successfully.
Electronic Communication Network (ECN) Account: Requires a minimum $10,000 account balance and initial deposit to qualify for this direct market access (DMA) account type. Spreads start from 0 pips with an ECN account, and there are no requotes on prices, although you will need to pay a commission per trade that depends on the transaction size.
Islamic Account: This is a swap-free account that offers to Muslim traders who wish to comply with Sharia law. There can also be a holding charge if you hold overnight positions for more than a certain number of days.
Supports the popular and sophisticated MetaTrader 4 platform available for a free download from its developer MetaQuotes, so that will always result in a favourable review when it comes to trading platforms.
In addition to its desktop platform, MT4 has web-based and mobile versions for both iOS and Android devices. The broker's website provides decent video tutorials on how to log into and use its supported platforms with its trading accounts.
Also offers its own high quality web-based trading software called LCG Trader, as well as an excellent free mobile app shown in the screenshot below that lets you place orders and watch markets and trading positions. You can also get price alerts and review your trading history.
Official website is designed in a tasteful teal blue and shades of dark grey with black text on a white background that makes it easy to read. The broker also has a helpful FAQ and a considerable collection of market analysis and educational material.
The menu at the top of LCF's website has links to all the basic areas you might find useful or could have questions about. Menu items include: LCG Group, Markets, Analysis and Education, Platforms and Partners.
There are also buttons in the upper right that help you with account matters labelled Open Live Account and Login, as well as a pull down menu that highlights important announcements, such as economic data releases.
You can change the language of the website by pulling down the menu at the top right and selecting your preferred reading language among the 14 different languages available.
LCG provides its customers with telephone access to both customer support and its dealing desk. There is also a special phone number for data protection matters. Your contact options include telephone, live chat and an email contact form.
The dealing desk staff are available by phone on a 24/5 basis during the forex trading week in case a trading emergency arises. Over the weekend and in the evenings, you can leave a message via the live chat or email form for when support resumes. A screenshot of the broker's Contact Us page appears below.
LCG is a global broker, so clients can make deposits and withdrawals conveniently using various payment channels. These including the following:
Credit and debit card payments: accepts all major credit cards, other than American Express, so your MasterCard and Visa are welcome. Card transactions are processed quickly and can incur a 2% fee, which most other brokers do not charge.
Bank wire transfer: You can send a wire transfer to fund your account from any bank, although banks often charge for such transactions. Processing can take a few days.
E-wallets: supports the Neteller and Skrill online payment services, but not PayPal.
When it comes to withdrawals, you need to complete an online request form you can find in your My LCG area either on your desktop or the broker's mobile web page. You can also call the Trading Services team for assistance.
Withdrawals are processed as quickly as possible, and that usually means either the same business day, although the funds may not show up in your account for three to five working days. Unless you are closing your account, withdrawals should be £50 or more due to transaction costs.
One of the benefits of LCG is that the Analysis and Education section on its website offers a respectable range of written and video educational material. The offerings include: expert fundamental and technical analysis, a good selection of video tutorials, a news feed, webinars and several support guides. The website also has a helpful glossary to help newer traders understand market jargon.
Another plus is the Important Announcements drop down menu on website that highlights and provides results for key economic data releases.
Also has several active social media accounts and has won awards for its social media presence. The broker's Facebook Page presently has over 25,000 followers, while its Twitter account has over 9,000 tweets and almost 4,000 followers. The broker's YouTube channel does not state how many subscribers it has, but it has a lot of interesting promotional, educational and market outlook videos, some of which were quite widely-viewed.
UK traders will probably deal with LCG's London office that is regulated by the FCA, especially if they want to engage in spread-betting. The broker also has an EU-based office in Cyprus regulated by the Cyprus Securities and Exchange Commission (CySEC), as well as an off-shore office located in Nassau in the Bahamas regulated by the Securities Commission of Bahamas (SCB).
Since is currently still based in the EU, it must operate under the Markets in Financial Instruments Directive II. This means client funds are kept separate from the broker's. Also, the maximum leverage for retail traders is restricted to 30 to 1, although professional traders can use higher leverage.
U.K. traders have protection against a default by brokers up to £85,000 under the Financial Services Compensation Scheme (FSCS), while EU traders' accounts are protected up to €20,000 under the Investor Compensation Fund (ICF) of Cyprus.
LCG has received many prestigious awards over the years it has been operating for its service, innovations and technology. The industry awards listed on its website were given from 2009 to 2017, and the more recent among them include:
Best Spread Betting Provider – City of London Wealth Management Awards, 2017
Best Mobile/Tablet Trading Application – Shares Awards, 2016
Best Forex Fundamental Analysis Provider – UK Forex Awards, 2016
Best Use of Social Media – Online Personal Wealth Awards, 2016
Forex Innovator of the Year – UK Forex Awards, 2015
Best Use of Social Media – Shares Awards, 2015
Best Platform – Capital Spreads – Online Personal Wealth Awards, 2014
This reviewer also noted some less-than-favourable reviews left by clients at Forex Peace Army and Trustpilot. Since the company does not seem to have made any attempts to address their customers' issues, this could indicate a lack of attention to client complaints.
LCG FAQs
Is LCG a good broker?
London Capital Group (LCG) is an excellent broker. The award-winning, multi-asset, multi-regulated CFD broker registered in England and Wales has been in the industry for more than 20 years. The product offering includes over 7000 CFD instruments across FX, equities, bonds, commodities, indices, spot metals and ETFs. LCG provides the choice of two cutting-edge trading platforms, 24/5 customer support, has more than $1 billion in deposits, and has executed volumes over $20 trillion.
What to do if LCG won't let you withdraw?
To request for fund withdrawals, you have to complete an online request form from the 'My LCG' area. In case you are unable to withdraw funds from LCG since you are unable to access the client area, you can call the broker's 'Trading services team' and request for a payout.
All withdrawal requests before 1 PM GMT are processed the same day. However, it could take 3-5 days for the money to be credited to your bank account.
How do you place a pending order on LCG trader?
To place a pending order on the LCG Trader, first select 'Pending order' in the order type. Then, using the drop-down, choose your pending order from Buy Limit, Sell Limit, Buy Stop, and Sell Stop. Finally, select the price at which you wish the order to be executed and hit the 'Place' button. Pending orders on the LCG Trader are valid until the end of the day's session.
Is LCG regulated?
LCG is a multi-regulated CFD broker. The monitoring agencies covering the CFD broker include the
Financial Conduct Authority (FCA) in the UK.
Cyprus Securities and Exchange Commission (CySEC) in Europe.
The tier-I regulators benefit retail clients tremendously. They not only receive negative balance protection but also compensation of up to €20,000 and £85,000 under the investor protection schemes in Europe and the UK correspondingly. The compensation covers claim settlement if the broker defaults.
LCG MT4: The Best Trading Software for Forex Brokers


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Индуистская община Казахстана состоит главным образом из постоянно проживающих на территории республики выходцев из Индии и Непала, а также последователей Международного общества сознания Кришны. В Казахстане также имеются приверженцы таких неоиндуистских течений, как Брахма Кумарис, Сант мат, трансцендентальная медитация, сахаджа-йога, последователи Саи Бабы, адвайты, шиваизма. В Казахстане, Узбекистане и Туркмении проживает 2732 индуиста. В основном это индийские студенты и предприниматели. В 2000-е годы широкое освящение в СМИ получил международный скандал в связи с решением казахских властей снести храм Кришны и дома общины кришнаитов в окрестностях Алма-Аты.

Примечания

Литература

Ссылки

 Video of demolition
 Video update on Hare Krishna persecution, May 2005 (YouTube)
  International Religious Freedom Report 2006 Kazakhstan

Казахстан
Религия в Казахстане
Казахстан

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