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June 12, 2017 Updated 08:06 GMT
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The New Arab
Morocco's King Mohammed offers to mediate in ongoing Gulf diplomatic spat
The king of Morocco, right, with the emir of Qatar, left [AFP]
Date of publication: 12 June, 2017
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The king of Morocco, who has previously remained neutral, has offered to intervene in the ongoing Gulf diplomatic row, in order to 'reduce tension'.
Morocco, Qatar, King Mohammed VI
The king of Morocco has offered to mediate in the diplomatic disagreement between Qatar and other Arab League countries which have cut ties with Doha, reports suggest, the latest in regional efforts to reconcile between the neighbouring nations.
King Mohammed VI said on Sunday he wanted to help "reduce tension" due to his "strong personal ties" with the region's various leaders, a statement from the country's ministry of foreign affairs said.
"HM the King has thus called on all parties to show restraint and act wisely in order to reduce tension, to overcome this crisis and to finally address the causes which led to it."
"The Kingdom of Morocco hopes that this holy month of Ramadan will inspire everyone with the spirit of solidarity and concord that is necessary to overcome the current disagreements."
Kuwait has been the leading mediatory power in the recent diplomatic spat between Doha and its regional neighbours.
On Sunday, Qatar signalled through Kuwait that it was prepared to enter into negotiations on the "concerns" raised by Riyadh and its allies.
A number of Arab nations cut off diplomatic relations with Doha last week for its alleged support of "terrorism".
However, Qatari officials have refuted the allegations, claiming that it is an attempt to silence the Qatar-funded media outlets which are critical of the GCC's royal families.
"We have been isolated because we are successful and progressive. We are a platform for peace not terrorism... This dispute is threatening the stability of the entire region," said Qatar's Foreign Minister Sheikh Mohammed bin Abdulrahman al-Thani.
Morocco is strongly allied with Saudi Arabia, as it is a prominent member of the Saudi-led coalition in Yemen.
Meanwhile, Rabat appointed a new ambassador to Iran in October after seven years of diplomatic hiatus with Tehran, signifying that it was seeking to position itself between the two major Islamic powers.
Morocco has so far mainly kept out of the deepening diplomatic spat between Qatar and its regional neighbours, but the statement reports Rabat "maintained close and permanent contact" with all parties throughout.
Hakim Benchamach, chairman of Morocco's second parliamentary house, once criticised "the structural deficit" of Arab co-operation to find solutions to "terrorism, organised crime, migration and human trafficking".
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Nanosatellites An Illustrated History
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ASTERIA The Quest for Wandering Stars Beyond The Solar System
Owned by nanosat
Created by nanosat
Even if the word "planet" has meant many different things over the millennia and evenstill its definition is still evolving (Pluto!), their most accepted etymology is "wandering star" (from ancient greek asters planetai). The movements of the planets across the sky are the key for their detection and characterization. In ancient times, early cultures worldwide, Mercury, Venus, Mars, Jupiter and Saturn were known as planets because they could be seen from the naked eye. Astronomical telescope invention broadened horizons and led to further discoveries; finally Uranus, Neptune and Pluto completed the list of solar system's planets. With the 21st century, the quest for planets expanded beyond solar system. Currently extrasolar planets, the exoplanets, are being discovered around distant stars. One of the more used techniques for the detection of exoplanets is the transit method, One of the more used techniques for the detection of exoplanets is the transit method, the one that uses ASTERIA. "If a planet crosses (or transits) in front of its parent star's disk, then the observed brightness of the star drops by a small amount. The amount by which the star dims depends on its size and on the size of the planet, among other factors. Because the transit method requires that the planet's orbit intersect a line-of-sight between the host star and Earth, the probability that an exoplanet in a randomly oriented orbit will be observed to transit the star is somewhat small." It is not surprising that ASTERIA has been awarded for the extraordinary achievement of detecting an exoplanet with the resources of a nanosatellite.
Aplication
7% have this trait
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Space Nanosatellite CubeSat Telescope Science
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Geology of Kazakhstan
This article relies largely or entirely on a single source. Relevant discussion may be found on the talk page. Please help improve this article by introducing citations to additional sources. (October 2018)
The geology of Kazakhstan includes extensive basement rocks from the Precambrian and widespread Paleozoic rocks, as well as sediments formed in rift basins during the Mesozoic.[1]
1 Geologic History, Stratigraphy and Tectonics
1.1 Paleozoic
1.2 Mesozoic-Cenozoic (251 million years ago-present)
2 Geological Research
3 Natural resource geology
Geologic History, Stratigraphy and Tectonics[edit]
Archean rocks of the Zerenda Group, including schist, diamond-bearing gneiss, eclogite and marble are found in the Kokchetav Massif in the Kazakh Uplands. However, geologists have disagreed on dating with some indicating dates in the Middle Cambrian or Archean through Paleoproterozoic. Early Proterozoic rocks are better defined and include phyllite, schist, quartzite, porphyroids, porphyritoids, marble and jaspellite, intruded by 1.8 billion year old granite gneiss and 1.7 billion year old granosyenite. The Paleoproterozoic sequence is 14 kilometers thick. In the Jeltau Mountains, the basement is made up gneiss, schist, marble, amphibolite and eclogite. Migmatized gneiss, amphibolite and quartzite are found in the Mugodzhar area. Precambrian rocks are not found in the Kazakh Altai mountains, although they are present where the range extends into Russia and China.
Much of Eastern Europe and Central Asia has Riphean rocks from the Proterozoic. Terrigenous volcanic rocks which may have originated from rifting are located in the South Urals, metamorphosed to greenschist grade, with amphibolites in linear folds. Dolomite limestones with stromatalite fossils and quartzites are found in the Kazakh Uplands. Low-grade metamorphism and granitization took place from 1.2 billion to one billion years ago. All the Precambrian massifs hold Upper Riphean quartzite and quartz sandstone, dated with detritral zircon to 850 million years ago.
Riphean and Vendian deposits occupy the western and southwest parts of the Kazakh Uplands. In Ulutau, alkaline granitoids intruded volcanic rocks 650 million years ago. Lower Vendian rocks are up to 1.5 kilometers thick, including gray clastic rocks, acid tuff and alkali basalt flows. [2]
Paleozoic[edit]
Cambrian through Ordovician rocks from the Paleozoic are found in all Kazakhstan's orogenic belts. A thin sequence, 200 to 400 meters thick overlies Vendian rocks in the Kazakh Upland, including coal shale, deepwater chert, limestone, phosphate and barite deposits. The Early Ordovician gives way to 200 meters of shale and chert, followed by flysch up to 3.5 kilometers thick and another thick sequence of andesite, basalt and coarse clastics. Silurian rocks are absent in the uplands.
In Chu-Kungey, Tengiz, Zharma-Saur and other districts, island arc volcanic rocks such as tuff, clastics and reef limestone are up to seven kilometers thick.
In the North Caspian Depression, only Late Paleozoic rocks outcrop at the surface. Deepwater chert and carbonates are common, with deposits up to 25 kilometers thick. Permian up to five kilometers thick has formed domes, which intrude upward into Mesozoic and Paleogene rocks. Carboniferous deepwater limestone forms a four kilometer flysch in the Cis-Urals Foredeep Basin in the South Urals region, which also includes olistrosomes and a Permian salt-bearing marine molasse.
Middle Cambrian rocks in the Kazakh Uplands have an angular unconformity with older rocks because they were thrust onto a magmatic arc in the Devonian to the northwest of the Karaganda Foredeep Basin. Within the foredeep basin, limestone deposition shifted to coal-bearing molasse.
Small synclines in the Karaganda Foredeep Basin show deepwater limestone and shale 450 meters thick from the Carboniferous and Permian, as well as 4.5 kilometer thick coal-bearing molasse. Within the Tengiz Basin, deposits are never more than two kilometers thick and grow thicker to the south. The Chu Basin is filled with undeformed Middle Devonian through Permian red molasse and carbonate deposits. Calc-alkaline magmatism was extensive in the southeast Kazakh Uplands and the Tien Shan Mountains. Geologists have recognized these rocks through magnetic anomalies, drillholes and occasional outcrops. The volcanic rocks include tuff, cooled lava and trachyandesite and rhyolite ignimbrite up to five kilometers thick. [3]
Mesozoic-Cenozoic (251 million years ago-present)[edit]
Intraplate rifting began in the Triassic, forming massive sedimentary basins between Paleozoic uplands. The North Caspian Depression filled with terrigenous rocks and shallow water carbonates at the edge of the Tethys Ocean, similar to the West Siberian Basin which becomes thicker near the center. The Chu, Turgay, Turan and Kizilkum basins contain sand, clay and coal-bearing shallow water terrigenous sediments and salt deposits two kilometers thick from the Middle Jurassic, up to three kilometers thick from the Cretaceous and one kilometer thick from the Cenozoic.
The Triassic was a period of erosion in the Kazakh Uplands and the Zaysan, Alakol, Balkhash and Tengiz basins are all small and filled with Late Triassic through Jurassic lacustrine deposits. Cretaceous and Paleogene deposits are largely missing, followed by a 100-meter thick sequence of Neogene and Quaternary gypsum-bearing alluvial fan sediments. [4]
Geological Research[edit]
Geological research in Kazakhstan began in the 18th century due to growing Russian influence along the Ob River, Orenburg to Mugodzar and Petropavlovsk to the Kazakh Steppe. The Russian Academy of Sciences sent some early expeditions, such as Pallas' Asian Expedition in 1771. In the 1800s Russian mining groups explored the Kirgiz Steppe north of the Tien Shan mountains and the construction of the Trans-Siberian Railway prompted further study. The Russian Geological Committee launched regional mapping efforts in 1925, after foreign sources on Central Asian geology disappeared in the aftermath of the Russian Revolution. As recently as the early 1990s, geologists in Kazakhstan were split between plate tectonics and a different set of mobilist theories more similar to the old geosynclinal model. [5]
Natural resource geology[edit]
The North Caspian Depression contains oil and natural gas, together with the Chu Basin, where they are associated with salt diapirs, typically in Cretaceous, Paleogene, Jurassic and Triassic sandstone and clay strata. Kazakhstan has rich coal deposits with 300 major deposits and 170.2 billion tons of reserves. Coking coal is primarily extracted from the Karaganda Basin. The Turgay, Balkhash and Maikuben depressions all hold small deposits of Mesozoic coal. The country has about eight billion tons of iron, nickel, cobalt and up to 300 tungsten deposits. Other base metals include aluminum from bauxite in the Turgay Depression and Mugodzhar Mountains, vanadium, titanium-bearing pegmatite or ilmenite-zircon placers, chromium in ophiolites in the South Urals, gold in shale and magmatic arcs, as well as rare earths, lead, zinc, copper and molybdenum.
Wikimedia Commons has media related to Geology of Kazakhstan.
^ Moores, E.M.; Fairbridge, Rhodes W. (1997). Encyclopedia of European & Asian Regional Geology. Springer. p. 450–460.
^ Moores, E.M.; Fairbridge, Rhodes W. 1997, p. 451-452.
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Thank You: Review for The Walking Dead 603 By R.C. Murphy
Post written by RC Murphy at December 9, 2015 9:00 am
Categories: Reviews, Zombiepocalypse, Zombies
Tags: AMC, season 6, The Walking Dead, walkers on parade, zombiepocalypse, zombies
Well, they've done it. The show has reached a point where death has no impact. Even when we think a main character or five may be in danger.
Yup. You guessed it; this review contains show spoilers.
Nearly every death in this episode is simply to whittle down the Alexandria citizens openly opposing Rick, just like Carter. It doesn't make for compelling television when viewers know Joe Blow #5 will bite the big one after he mouths off against the Ricktatorship. Don't believe me? The only person in this episode who openly questions Rick and survives is Heath. Will every Rick-centric episode become an execution to secure his place in the town? Sure, he's not pulling the trigger himself, but why should he have to raise a finger when the writers are making the deaths so convenient?
Nearly every death in the episode was ridiculous and the result of writers confusing frightened characters with lazy writing. I imagine the writer's room sounded like this the afternoon they read through this scene:
"We have this dude in Rick's face, what do we do?"
"Kill him, duh."
"But they're in a clearing in the woods with seven able-bodied fighters."
"Sneak attack."
"There's four-inch wide trees for cover."
"We'll use a quick cut in post to catch them by surprise."
And it happens twice. Are we expected to believe Glenn and Michonne are so comfortable now with their lush digs in Alexandria that they've forgotten everything they learned in five previous seasons? It's rubbish. Then they try to show what happens when the Alexandria natives are set upon by a small herd. Common sense and logic fly out the window. I kinda understand the one guy freaking and pulling his gun. I'll buy the friendly fire injury. What I cannot comprehend is that this happened after the first surprise attack. If this guy were going to fail his gut-check, he should've bolted when the walkers killed Rick's bad-mouthing opponent. It almost feels like this scene was written in another order and cut together haphazardly out of order in post-production. Matter of fact, most of this season comes across the same way.
Onto plot things. This episode, as with the last, is set in the same timeframe with the episode ending about the time Carol and Morgan secure Alexandria. Rick and company are still in the woods, rushing to get ahead of the herd heading toward Alexandria. Rick, realizing they need to divide and conquer—or he's tired of being snapped at by soon-to-be walker meals—tells Glenn and Michonne to push the others forward. He's going to double back for the RV. The plan is to join Daryl, Abe, and Sasha in the RV then help them lure the larger horde twenty miles from their home. There are a few walker encounters in the forest. One man dies, Barnes—the man who confronts Rick early in the episode. Scott is shot in the leg by friendly fire from Sturgess. David is bitten on the shoulder. The only other woman in the small crew, Annie, twists her ankle sprinting uphill. Glenn and Heath end up becoming crutches for Scott and Annie, making their reaction times slow, along with their progress across the five mile stretch from the road to Alexandra.
At the halfway mark, they reach the nearby town. The half-hour lead they have on the herd diminishes, and they're trapped in town.
Glenn and Nicholas leave the others, searching for the feed store to set it ablaze and hopefully stop the herd from shambling to their home. The others remain in the tiny pet store to hide and tend to the wounded. David knows he won't make it and asks Michonne to pass on a message to his wife. Like a fool, she promises him he'll at least make it home to tell her himself. Scott and Annie, realizing their limits, ask to be left behind. Their surrender to the inevitable makes Heath confront Michonne about Rick's earlier warning: Not all of them will make it home during this mission. He feels Rick's assessment of their skills is harsh and uncalled for. It takes approximately thirty seconds for Michonne to put him in his place; until he's reached the moment when he's covered in so much blood, he can't tell what's his, what's walker blood, and what blood belongs to his friends, he has no clue how to survive in the outside world.
There's a catch in the plan; the feed store has already been burnt to the ground. Nicholas, addled because of his PTSD, struggles to find an alternative building to torch. He leads Glenn away from the encroaching herd . . . right into a fenced off alley. In moments they're surrounded by at least a hundred walkers. The men run out of ammunition. They can only stab so many before the walkers push them back against a dumpster.
Up they go like a 1950's housewife who spots a rat in the kitchen. The struggle is too much for Nicholas. He turns to Glenn and says, "Thank you," before shooting himself in the head. The last we see of Glenn and Nicholas, they're both on the ground under the hungry horde.
Michonne, Heath, and the injured trio fight their way through the town. Annie, unable to keep up with her makeshift crutch, falls and is eaten. The remaining crew end up in yet another fenced-off alley. Cue eye roll. Couldn't they think of two different ways to torment the characters? Luckily for the gang, there's no walkers on the other side of this gate. Up and over they go. Well, not all of them. The herd finds them, claiming David's life. Not one of them stops to put the man out of his misery. Michonne, Heath, and Scott make it back to Alexandria.
While they're in the midst of the herd, Rick runs a half-marathon, kills a walker, hurts his hand, and retrieves the RV, which was back at the curve in their zombie parade route. He arrives at the spot where he thinks he can cut off a portion of the wayward horde. His arrival coincides with the Wolves escaping Alexandria. There's no contest. Rick kills them all. And in the process shoots up the RV so bad, the thing won't start. Whoops. Did I mention the walkers are about twenty feet away, too? Bravo, Rick.
Daryl's bit in this episode is simply to give fans Reedus face time. He hems and haws about going back to help Rick, leaves the parade route, then turns around and goes right back to driving with Abe and Sasha. There's literally no point to his scenes other than to show that Abe and Sasha will see their mission through to the end. Which we knew. Once Sasha cleaned her nose, she's a reliable team member again.
The big OMG moment is Glenn's fate. You guys know how I feel anytime they try to kill him. I have been and will always be Team Glenn. Though I have a feeling he will indeed be the next big loss for the crew. It's been coming for a while. Out of all of them, he has the best prospects for making an actual life in Alexandria. Following show logic, he has to die. There's no happiness in TWD. It makes the show utterly predictable when it comes time to off another character fans actually like.
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Two pounds of pressure on a trigger pays really well… Ex special forces mercenary and now hardened criminal Vic, lives in a world of cons, double crosses, crooked cops, mob bosses and drug dealing crime lords. Playing by his own rules, Vic and his partner Frank work both sides of the street, caring only about where they can score and take down the most cash.
In underworld terms Chas Devlin (James Fox) is a 'performer,' a gangster with a talent for violence and intimidation. Turner (Mick Jagger) is a reclusive rock superstar. When Chas and Turner meet, their worlds collide–and the impact is both exotic and explosive.


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Aus & NZ: Deutsche Bank loses infra, corporate finance co-head
18 June 2018 - 12:00 am UTC
Deutsche Bank's co-head of corporate finance and infrastructure leader, Bruce MacDiarmid, has resigned to start as chairman of investment banking at Goldman Sachs in Australia and New Zealand.
It is understood he resigned from his investment banking roles on Friday (15 June) morning. There is no exact starting date as yet at Goldmans, but it is understood to be in about three months.
Deutsche Bank's head of M&A, Alex Cartel, is replacing MacDiarmid and will be co-head of corporate finance for Deutsche Bank in Australia alongside co-head James Roth.
Cartel joined Deutsche Bank in 2000 as an associate. He was promoted to managing director in 2007 and was appointed head of energy, oil & gas in 2010 before being promoted to head of M&A in 2015.
"Alex brings over 20 years of experience providing strategic advice to major Australian and international corporates, often on their largest and most complex transactions," said Deutsche Bank's Australia chief executive, Anthony Miller in a statement.
MacDiarmid's role as chairman of investment banking is a new one for Goldmans in Australia, although the bank has similar positions in other jurisdictions.
A source close to Goldmans said it reflected MacDiarmid's seniority. While he is known for his infrastructure experience, he will be working across all areas of the investment bank.
Christian Johnston will remain head of investment banking in Australia and NZ.
The move follows news in May that Deutsche Bank's head of infrastructure, Andrew Martin, was to leave the bank by the end of June in a global shake-up at Deutsche that is seeing around 7,000 staff retrenched.
MacDiarmid joined Deutsche Bank as head of infrastructure and utilities in mid-2014 from Rothschild.
As well as co-leading the investment bank for Australia and NZ, he was still overseeing the resources and infrastructure areas for Asia Pacific.
MacDiarmid has advised on numerous major transactions, including the NSW government on the sale of its electricity transmission and distribution assets.
Deutsche Bank along with RBC Capital Markets was advising the Netflow consortium led by Plenary and Cintra on its bid for 51% of Sydney Motorway Corporation (SMC), which is overseeing the construction of WestConnex. But it is understood Netflow has dropped out of the running for SMC.


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India's Chandrayaan-2 moon mission called off minutes before launch
Nation's first attempt at a landing on the moon put on hold due to 'technical snag'
The orbiter vehicle of Chandrayaan-2, India's first moon lander and rover mission Photograph: Indian Space Research Organisation Handout/EPA
Rebecca Ratcliffe in Delhi
Last modified on Sun 14 Jul 2019 23.44 EDT
India's moon mission, destined for the uncharted south pole, has been put on hold less than an hour before take off, following a technical glitch.
The mission, which was scheduled to launch at 02:51 local time from Sriharikota space centre, north of Chennai, is India's most ambitious to date.
At 56.24 minutes from launch, the countdown stop was frozen and a media feed from the control room was cut off. Shortly afterwards, the Indian Space Research Organisation confirmed that the launch had been abandoned for the day.
"A technical snag was observed in launch vehicle system at T-56 minute. As a measure of abundant precaution, #Chandrayaan2 launch has been called off for today," the agency tweeted.
A revised launch date will be announced later, it added.
The mission has another 10-minute back up window in which it could launch on Tuesday.
Chandrayaan-2 is India's first attempt at a surface landing on the moon - a feat achieved by only Russia, the US and China. If successful, it would also be the first mission to conduct a surface landing on the little-explored lunar south pole region, where scientists hope to collect information about the moon's mineral and chemical composition, and search for water.
The four-tonne spacecraft is equipped with a lunar orbiter, a lander and a rover that is designed to spend two weeks analysing the moon's surface.
The mission comes amid a renewed global interest in moon exploration. In January, a Chinese spacecraft became the first to land on the far side of the moon, while in April, the Israeli spacecraft Beresheet, the first privately funded mission to the moon, crashed after an apparent engine failure.
India's space programmes have been hailed by nationalist prime minister Narendra Modi as a marker of the country's rising status as a global power. In March, Modi announced the successful test of the country's first space weapon, an anti-satellite missile. The missile test was criticised by Nasa, who warned it had created dangerous orbital debris.
Monday's attempted launch follows Chandrayaan-1, India's first lunar mission in 2008, which helped confirm the presence of water on the moon, but did not land on the lunar surface.
As well as Chandrayaan-2, India is developing a plan to launch a manned space mission by 2022.


Tanks have surrounded Libyan city as residents brace for raid by pro-Gaddafi forces at any moment.
Forces loyal to the Libyan leader Muammar Gaddafi have surrounded the city of Zawiyah, where anti-government protesters are bracing for an attack.
Men opposed to Gaddafi were patrolling the streets of the city 50km from the capital on Sunday, saying they had seized weapons and even tanks which they would use to defend themselves.
Ezeldina, a Zawiyah resident, told Al Jazeera that people in the city had raided some military camps.
"We are expecting an attack at any moment," he said. "We are forming rotating watch groups, guarding the neighbourhood."
Protesters said about 2,000 troops loyal to Gaddafi had surrounded the city.
"If we are fighting for freedom, we are ready to die for it," said a former police major who had switched sides and joined the uprising which started about 10 days ago.
Speaking anonymously, he said more than 2,000 police had defected and were ready to defend Zawiyah. There were also army defectors, he said, but it was unclear how many.
Government forces manned several checkpoints between the capital and Zawiyah, and supporters of the Libyan leader demonstrated in the Harsha district, 5km from the centre of Zawiyah.
Police stations and government offices inside the city have been torched and anti-Gaddafi graffiti painted of walls.
Hundreds of protesters in the city centre chanted "Gaddafi Out". Some stood on top of a captured tank, while others crowded around an anti-aircraft gun. Women stood on top of buildings cheering on the men in the crowd below.
An effigy of Gaddafi hung from a light pole in the main square.
A group of foreign journalists were driven to Zawiyah by Libyan authorities on Sunday to show that forces loyal to Gaddafi still held the town. But once there, it was evident that the protesters were in control.
A doctor at a makeshift clinic in the town mosque said 24 people had been killed in fighting with government loyalists over the past three days, and a small park next to the main square had been turned into a burial ground.
armed with heavy weapons. Some said they were using rocket-propelled grenades.
Bullet holes pock-marked charred buildings in the city, while burned-out vehicles lay abandoned.


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I love pretty things! I love fluffy things! I love good wholesome things! I love laughing! I love positive! I love family, friends, pets and children! I love simple things! I love spreading joy!
Clean all the rivers and ocean of pollution.
What is your favourite saying or quote?
"If you think you can, then you can. You can ride the black stallion, you can wear the medallion, if you think you can – then you can".
Someone who lies to me and thinks I'm stupid enough to believe the lie.
Flying Ants fried in butter.
If you won the Lotto what would be your first purchase?
I have to say a Serengeti Safari, to see the Great Serengeti Migration of two million wildebeest.
I would like to be a prickly pear.
Make the World a safe place.
I have just reached the point of no return.
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Have the power to let all people know how to be happy.
Do not wait for things to happen make them happen and never give up.
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Home>Advice>Management Advice>Çalışan bağlılığı ve çalışanı elde tutma>Staff development>"Employees have higher expectations from companies"
"Employees have higher expectations from companies"
An interview with PageGroup Global Talent Director Esther Roman where shares her experiences and thoughts about the changing face of HR.
Several PageGroup offices in Europe have been certified as Top Employer, some of which are consecutive wins. What do you think has been the key to your success?
PageGroup continues to create excellent conditions for our people. We put our people at the core of what we do and this covers the entire lifecycle of an employee at PageGroup. People remain an integral part of our HR strategy from the way that we attract our people, to retaining them, promoting inclusiveness, performance management to supporting desired career paths and more. We foster a culture that encourages participation and I really believe that this has contributed to our success.
Do you think the role of an employer has changed much in the last 5 - 10 years?
Definitely! Employees now have higher expectations from companies and the spotlight is not only on providing clarity of the job to be done and an appropriate salary but in providing excellent conditions to learn, grow and develop.
I first realized the world was changing when I moved to Switzerland to launch the office in Zurich. I was busy recruiting people for my team. When I asked a young candidate the question "what is the one reason why you believe I should hire you?" and the candidate replied "what is the one reason why I should choose you as an employer?" I thought WOW! I had never been confronted with such a shifted perspective before, after 6 years as a recruiter! Today this approach, where candidates seek crystal clear information on what the company offers and stands for, in order to make an informed decision, especially in central and northern Europe is now pretty common.
Cultural shifts have an impact on the way in which we attract, and retain our people. It influences expectations, motivation and more. As an employer it is important that we continuously listen to our people and anticipate what is likely to happen and affect our employees so that we can have the best protocols in place.
With the rise of digital consumption subsequently making everything more transparent and accessible, would you say that this has presented any additional challenges for companies?
There is a strong need for principles like integrity and trust. Online access means that people can very easily see if companies really demonstrate whether or not they are committed to what they stand for. Aside from the job description and remuneration employees will look at culture and other factors. It is important the communication from a CEO for example mirrors that the "red thread" of the company. Consistency in core messages and principles and having this repeated and visible will ultimately help build trust.
Another challenge is the speed at which everything happens and the resulting lack of control. New systems and processes are ongoing. New ways to measure activity within a company and new and improved ways of operating. In addition, there are review platforms such as Kununu in Germany where employees rate their experience as an employee at a company – for all to see. Such visibility can be daunting and challenging but it is important to have a strategy in terms of how to approach these changes. Companies need to embrace change. It is vital then to have a solid foundation of credibility and trust is key.
What would you say is the common HR mistake made by companies today?
HR is constantly improving which is positive and necessary as it moves in parallel to social demands and ever changing environmental conditions. I've noticed over the last few years however, a few frequent stumbling blocks are often bureaucracy and the lengthy and senseless excess of processes. HR can, at times, not be agile enough and can falter when it comes to meeting people's needs. Organisational theorist Lynda Gratton commonly refers to this in her book 'The 100 Year Life' where she explains that families and individuals are evolving faster than organisations and institutions.
Something I would like to see more companies do is give greater strategic positioning to HR departments so that they can truly add value. People are undoubtedly the key to a company's success but it is necessary that HR departments are able to fully ensure that those people who make the company a success are in the best environment possible.
Another mistake is the eagerness to put in place lots of tools and processes without reflecting what is really fit for purpose and how to make those processes effective for a company and success.
What advice would you give to companies that want to improve their employer branding proposition?
To be true to what they sell and ensure they have clarity regarding their principles. It will be the only way to sustain credibility as an employer. When reflecting on employer brand messaging, it is a good opportunity to re-assess core values and culture. Do you as a company like the image you are projecting? If not, it's time to take action.
It is important that the people you hire resonate and reflect your company values. Employees are your brand ambassadors and are more powerful than a marketing campaign.
If you look at the communication across our brands you will see that we are passionate, we never give up, we work as a team and that we make what we do fun. These are our core values and we make an effort to live up to these on a daily basis whether you are in an office in Dusseldorf, Paris or Milan.
Our internal communications channel PageConnect, is full of creative days, birthday celebrations and more, indicating a sociable and healthy working environment.
Can you share any initiatives in particular that you know have been greatly received by employees at Page?
At PageGroup we have an inclusion promise that puts the focus on gender, families, race and ethnicity, sexual orientation and disability. To support this we have a Diversity and Inclusion programme which is an important move that we promote in our business. We have partnerships with associations and institutions to openly commit ourselves through different programs and initiatives to make these inclusion promises come true. Our [email protected] is another example and is popular in both France and Germany.
[email protected] was rolled-out in Continental Europe last year and is a shift for PageGroup as we adapt to new expectations. It gives employees a window where they can take real ownership in terms of how they manage their time effectively, allowing them to really work at their optimum. The direction is new for us and has been well received to date.
Alternatives to financing open for business
At PageGroup We Hire People, Not Employees


Thermex Corporation will take part in the biggest global construction exhibition in the Middle East – the BIG 5 SHOW, November 26-29.
At the Thermex's booth the newest series of electrical water heating equipment with improved energy efficiency characteristics will be presented. Some of them were specially invented for Middle East countries and its specific features and requirements.
THERMEX FLAT SMART – this is a newest model of flat water heater with A and B Erp-class and enamel BIO-GLASSLINED inner tank. It's a unique patented coating of inner tank with the highest anti-corrosion protection with environment attention. It has much greater durability and elasticity than normal enamel coating, and successfully withstands to thermal and hydro shocks. Bio-glasslined much longer protects the tank from corrosion which is a major cause for water heater's failure. This smart intellectual model can recognize the habits of a consumer and thus is able to save his money due to innovations features.
THERMEX FLAT PLUS PRO – this model has already earned enormous popularity all over the world for only 1 year of its sales due to its quality and high efficiency. Stainless steel series with flat shape is perfect to integrate in modern home design and takes up less space to install in every place, even small rooms and bathrooms. Water heater is designed using Double Tank technology. Due to this technology, the water heater becomes flat with small dimensions so it's easy to place even in a small apartment.
THERMEX COMBI INOX – this is the most expected series of big volume combined water heaters with a stainless steel inner tank and it will be also presented at the first time. It's a professional line of water heating equipment. High efficiency and widely applying to central heating system, gas boilers, heat pumps, solar systems etc.
Mario Cioccolo, CEO of Thermex Corporation: «Middle East is one of the main priorities in our export strategy. The geography of sales expands regularly. Thermex water heaters has been already exported to UAE, Saudi Arabia, Oman, Qatar, Bahrain, Kuwait, Iraq and Iran. At the BIG 5 SHOW we'll demonstrate our latest innovations, specified to the needs of regional markets, as well as the opportunities of the Thermex Corporation in general in the market of UAE and neighboring countries, including integrated solutions in the field of water heating equipment for domestic and industrial needs».
All the visitors of Thermex Corporation's booth will be able to watch 3D-tour of Heating Equipment Factory – the main full-cycle water heaters plant in Russia – using VR technologies.


Isla Cerralvo, also known as Isla Jacques Cousteau, is located near La Paz off the Cerralvo Canal coast. The eastern side of the island provides many steep bluffs, while the western side offers sandy beaches to be explored. The underwater topography and ocean currents allow Isla Cerralvo to be home to abundant marine life as the live and migrate through the area. Because of this, the island is a prime destination for sport fishing, as species like the golden grouper, sailfish, marlin, broadbill, and swordfish are abundant. Those who find themselves on the island at sunrise or sunset will be treated to a gorgeous view filled with beautiful colors.


text:
Carbon Tax- Advantages and Disadvantages
A Carbon tax is a specific tax on the consumption of goods which cause carbon dioxide emissions. C02 emissions have been identified as a major source of global warming and therefore, governments have been keen to reduce carbon emissions.
Advantages of Carbon Taxes
The market price is P1 – but this ignores the external cost of pollution. A carbon tax of P2-P0 would raise the price to P2 and cause a more socially efficient level of output.
Carbon taxes have been suggested as a way to internalise the negative externality of carbon emissions. This means that consumers/producers will pay the full social cost of consumption. For example, the private cost of an aeroplane may be £400. However, the external cost of pollution from that air flight might be estimated at £120. Therefore, the carbon tax would add £120 onto the flight, and the final price would be £520. This would discourage some from flying – leading to a reduction in air-travel and a reduction in pollution. If people pay the full social cost – it will lead to a more socially efficient level of consumption.
Carbon taxes provide an incentive for firms to use and develop more environmentally friendly production processes. If we tax carbon emissions, then it may change the balance and make solar power relatively more competitive than burning fossil fuels like carbon. This will encourage investment in renewable energy and lead to further technological developments. In recent years, investment and new technology have made solar energy more effective and efficient. A carbon tax can accelerate this switch to renewable energy which has lower pollution costs.
They can also raise money to be spent on environmental initiatives. The revenue raised from a carbon tax can be used to fund investment in alternatives. For example, the government can subsidies more environmentally friendly public transport.
Problems with Carbon Taxes
It can be difficult to measure how much carbon is produced, and therefore difficult to know what level of carbon tax to charge.
It is difficult to know the true cost of carbon emissions on the environment and future generations.
Carbon taxes can cause the possibility of tax evasion. For example, firms try to mask the true level of pollution. Alternatively, we could outsource production to countries with less stringent tax systems – in effect exporting pollution to poorer countries. Carbon taxes may need global agreements.
Discourage investment. An argument made by business is that carbon taxes will discourage investment and reduce profitability.
Countries may free ride on others making efforts to reduce carbon emissions and reduce the impact of global warming. For example, under President Trump, the US left the Paris agreement on global warming.
Pros and Cons of Carbon Tax
Yen carry trade


"Fantastiating", in case you're wondering, is one of those horrific made-up words. It's an unholy alliance between "fantastic" and "infuriating", and it describes Lost Planet pretty well.
I've played through four out of ten missions in the single-player campaign, which has taken me about three hours. So the single-player campaign is quite short, but that's not the problem.
Here's the problem: we've all already played Dead Rising. Dead Rising was such a brilliant, ingenious piece of work that we expect nothing less from Lost Planet, and it is less. It's not a bad game, it's just not a great game, and great is what we wanted. It's what we always want.
The basic gameplay mechanic in Lost Planet is that you are constantly losing thermal energy (being on a frozen planet and all), and you replenish that energy by killing enemies. There are exceptions, like the occasional storage tank, but generally you have to maintain a certain rate of carnage to stay alive.
That's a nice idea. Unfortunately, that's the only idea in the game. In Dead Rising, there were multiple paths--you killed zombies, you saved humans, and you took photographs. All of these paths helped you gain experience, they all played very differently, and the required elements of story-advancing missions, in many cases, took up only a fraction of the available time for the mission. In other words, you had plenty of time for freelancing.
Lost planet? One path. Zero freelancing. Move, kill, advance. Move, kill, advance. And sometimes that's fun--the game looks absolutely spectacular, certain enemies are fantastically impressive, and in five-minute bursts, the game is lots of fun. It's even fun when you're remembering a play session. It's just not as much fun during the play session, because it's very repetitive.
The measurement of actual fun, though, is much lower. You get to ride that snowmobile for about fifteen seconds, at least the first time. Those awe-inspiring creatures? Their weak points are labeled like a Powerpoint presentation. The mechs are relatively unresponsive, and when you're trying to jump jet quickly to avoid getting blasted, it will drive you crazy.
This is also one of those games where you're blown away for the first hour or two, but then your enjoyment starts to drop off steadily, because you start noticing how some of the coolest moments actually wind up annoying the hell out of you.
Smoke and particle effects, for example. They're absolutely incredible, and at first you'll be stunned by how amazing they are. Then you'll get in a boss fight, and you won't be able to see a damn thing after something explodes--but the boss will still be pounding you. How he can see, I don't know, because I sure can't.
It's incredibly annoying, but it's even more annoying that they missed an opportunity to do something incredibly cool. If they had a thermal imaging sensor that could be activated to let you see a heat signature through all that smoke, it would have been spectacular. Plus, using the sensor would cost you thermal energy, so you'd have to ration its use.
They also could have implemented force fields for the armor--which also would have cost thermal energy to use. I mean, it's the future and we're in outer space--why the hell wouldn't we have force fields? And it would have looked very cool, some kind of glowing blue aura that would have protected you for a few seconds.
They don't do any of these things, though. At it's core, Lost Planet is a relatively standard third-person shooter with the steadily dropping thermal energy (aka "health") as its only even vaguely interesting game mechanic.
And force feedback. Holy Mother of God, does this game use force feedback. You have heavy weapons, all your opponents have heavy weapons, and you feel it--force feedback does an unmatched job of creating the impression of mass, and it's never done it as well as in this game. Combine that with the terrifically atmospheric environments, and it's a game that looks and feels very convincing.
If only it consistently played that way.
I will say one thing about Lost Planet, though: it has style. It has so much style that it's hard to believe that the gameplay isn't at the same level. Capcom is doing some very interesting things creatively, and Lost Planet wasn't very far away from being a great game.
If you're looking to try something new for a few hours, Lost Planet is an excellent rental. I'd definitely recommend renting first before you put sixty dollars down on the counter.


9:04am Officers spoke to a subject in the 100 block of North Sandusky Avenue about a theft.
9:49am Officers assisted Columbia Gas Co. in the 300 block Blicke Street.
10:11am Officers assisted Life Support in the 400 block of East Warren Street.
11:22am A report of a junk vehicle in the 900 block of Maple Street was investigated.
11:25am Officers mediated a custody dispute in the 300 block of Wiley Street.
11:58am Officers assisted a motorist locked out of their vehicle at Aumiller Park.
12:40pm Officers assisted the staff at Bucyrus Secondary School.
1:05pm A verbal traffic warning was given in the 100 block of Whetstone Street.
1:34pm Officers mediated a dispute between neighbors in the 1100 block of West Mansfield Street.
2:03pm A report of solicitors going door to door in the 500 block of Gay Street was investigated. They were advised how to obtain a solicitor's permit.
2:38pm Officers assisted a parent on station with an unruly juvenile.
4:03pm A report of dogs being let run loose at Lions Field was investigated.
4:46pm A female reported being threatened while walking in the area of East Charles and Iron Streets.
5:06pm A report of a reckless driver in the area of North Sandusky Avenue was investigated.
5:09pm Officers assisted a motorist locked out of their vehicle in the 100 block of East Charles Street.
5:18pm A theft complaint in the 1200 block of Monnett Street was investigated.
5:29pm A resident in the 1100 block of Maple Street reported children were throwing rocks at his vehicle.
5:33pm Officers towed an abandoned vehicle in the 700 block of East Oakwood Avenue.
5:57pm Officers assisted a motorist locked out of their vehicle at Walmart.
6:01pm Officers mediated a domestic issue at Bucyrus Estates.
6:53pm Officers assisted a motorist locked out of their vehicle in the 100 block of North High Street.
6:56pm Officers responded to an accident at Marion Road and South Sandusky Avenue.
7:04pm A resident in the 500 block of Jones St. reported being threatened.
7:51pm A hang up 9-1-1 call in the 100 block of South Highland Avenue was investigated. It was found to be children playing with the phone.
7:58pm A report of an elderly female with a firearm in the 200 block of Ethel Street was investigated. It was found to be a non-functioning gun she scares animals off of her property with.
8:15pm A report of juveniles smoking and throwing a ball at a vehicle in the area of Vollrath Street was investigated.
8:25pm A resident in the 1400 block of East Southern Avenue reported being threatened.
8:32pm A report of an erratic driver in the 200 block of East Irving Street was investigated.
9:03pm A report of vandalism in the 1500 block of Isaac-Beal Road was investigated.
9:45pm A report of two boys shining a laser pointer into houses in the area of Osman and Rogers Streets was investigated.
10:05pm Officers conducted a welfare check on a semi driver in the parking lot of Wendy's. The driver was found to be all right.
10:55pm A hang up 9-1-1 call in the 1300 block of Orra Street was investigated.
12:11am A report of a suspicious person in the 900 block of East Warren Street was investigated.
1:59am A report of suspicious persons in the Earl Street area was investigated.
2:28am Officers assisted Life Support in the 600 block of Wilbur Street.
4:02am A theft complaint in the 800 block of Cleland Street was investigated.
4:20am Officers attempted to locate a subject with a warrant in the area of North Sandusky Avenue and Plymouth Street.
4:52am Cody Barthalow, 23, was arrested on a warrant out of Seneca County. He was released after posting bond.


text:
Q: Autocreating transaction in DAO - spring mvc and hibernate I have dao extending generic dao doing base action like save, get, delete and update Object in DB.
On every action I must manually start and commit transaction. I trying find way to do it automatically.
This is implementation of generic dao:
@Transactional
public abstract class GenericDaoImpl<T> implements IGenericDao<T> {
    @Autowired
    protected SessionFactory sessionFactory;

protected Session getCurrentSession(){
    return sessionFactory.getCurrentSession();
}

private Class<T> type;

public GenericDaoImpl() {
    Type t = getClass().getGenericSuperclass();
    ParameterizedType pt = (ParameterizedType) t;
    type = (Class) pt.getActualTypeArguments()[0];
}

@Override
@Transactional
public void save(final T t) {
    Session session = getCurrentSession();
    Transaction tr = session.beginTransaction();
    session.save(t);
    tr.commit();
}
}

when I remove this two lines:
Transaction tr = session.beginTransaction();
tr.commit();

It will not work. I think that @Transactional annotations handle transaction for me.
This is my bean config:
<bean id="sessionFactory"
          class="org.springframework.orm.hibernate4.LocalSessionFactoryBean">
        <property name="dataSource" ref="dataSource"></property>
        <property name="configLocation">
            <value>WEB-INF/hibernate.cfg.xml</value>
        </property>
    </bean>

    <bean id="transactionManager" class="org.springframework.orm.hibernate4.HibernateTransactionManager">
        <property name="dataSource" ref="dataSource" />
        <property name="sessionFactory" ref="sessionFactory" />
    </bean>

    <tx:annotation-driven transaction-manager="transactionManager"/>

    <!-- this is the dao object that we want to make transactional -->
    <bean id="testDao" class="com.springapp.mvc.dao.GenericDaoImpl" abstract="true"/>

    <!-- the transactional advice  -->
    <tx:advice id="txAdvice" transaction-manager="transactionManager">
        <tx:attributes>
            <!-- all methods starting with 'get' are read-only -->
            <tx:method name="get*" read-only="true" />
            <!-- other methods use the default transaction settings (see below) -->
            <tx:method name="*" propagation="REQUIRED" />
        </tx:attributes>
    </tx:advice>

What should I do to constrain on spring transaction management?

A: It does provided you have the proper configuration,
If you are using a proxy to access your bean methods, this way as:
public class MyServiceImpl implements MyService

    @Autowired
    private GenericDao dao;

    public void someMethod() {
        dao.save(myObject)
    }

    //bla bla
}

provided you have <context:annotation-config/> in your XML config, it should autowire your Dao and call the save method.
But it won't be wrapped in the transaction:     To handle transactions through annotation, Spring uses a proxy wrapping your method calls. you can see these calls in your IDE in the debug mod.
The huge stack calls with "$proxy... " are created by spring and its proxys.
<tx:annotation-driven> specifies that spring should use annotations to manage transactions.
However, it needs a proxy to wrap them around method calls.
Therefore, you need to add the following line to your XML: <aop:aspectj-autoproxy />
Hope this helps.

redpajama_set_name: RedPajamaStackExchange


Also the month of March is dedicated to the strengthening of deaf culture and deaf-teaching at the campus vivant'e.
all our teachers actually benefit from the presence and training with the deaf colleagues and our German professionals in sign language, translation and deaf-pedagogies.
Teambuilding and training in sign and spoken language.
Are you interested to join us in our lively and varied work?
We are looking for deaf people with higher school diplomas to accompany our deaf students towards high school.
And we need a Moroccan teacher with diploma in French to work in a team together with our deaf primary teachers.
We look forward to get your CV – welcome in Ait Bouguemez!


text:
There's an Insane Internet Conspiracy Theory That Katy Perry and JonBenét Ramsey Are the Same Person
Katy Perry + JonBenét Ramsay = You guys are pretty dumb.
by Byron Yan
February 26, 2016, 6:46pm
Photo via YouTube
People nowadays don't need much to freak out over something. First the whole flat earth conspiracy with B.o.B and who can forget when we thought Avril Lavigne was killed and replaced with an actress? Well, the internet gonna internet and now it seems to have been busy cooking up another half-baked conspiracy story: that JonBenét Ramsey, a 6-year-old pageant girl who was murdered in her house in Colorado in 1996, grew up to be…Katy Perry. Yes, "Fireworks" and still suspected target of Taylor Swift-diss track "Bad Blood," Katy Perry.
According to The Kernel, conspiracy theorists believe that Ramsey's parents conjured up a fake murder plot so she could then be reborn as the milkshake-breast spewing pop star of today. Along with other important evidence like how Perry and Ramsey have similar eyebrows and how their parents look alike. But perhaps, the most damning evidence of all is that the two starlets both know the lyrics to "God Bless America."
But don't take our word for it here are a couple videos using CIA-level photoshop cross-fade techniques that expose the STRIKING similarities between the two. The author of the video also warns the "liars out there" that "If anyone of you have told people in the past that this person died, you need to go tell people you were wrong. Otherwise you are still a liar and a false witness to death. Nobody died, nobody got hurt. Period." and that we "are in fact a false witness to murder and death. That's a fact." Listen, we've all been to the weird parts of the internet, and this is definitely part of it. But, hey since we're all theorizing shit up maybe "E.T." proves she's an alien. Hell, "Roar" is probably her finally admitting she's an Animorph. God, why are all of you so stupid. Watch the videos below and leave us alone.
Byron Yan is tired of covering this bullshit. Follow him on Twitter.
Tagged:murderFeatureskaty perryRoarSeriouslyJon Benet RamsayFIIIIIIIIIREWORKSMusicNoisey


Health insurance is a big problem in Minnesota. Both political parties are weaponizing your healthcare, when reality, we should be talking about what the people need.
Health insurance should not manage care, we should all be free to choose any doctor at any time. No need for referrals, or other added expenses. Our health insurance industry is out of control.
What's even more out of control is the two-party system's greed ruling over your health.
Put YOUR 3D Glasses ON.


text:
Now, therefore, I, ABRAHAM LINCOLN, President of the United States, by virtue of the power in me vested as Commander-in-Chief of the Army and Navy of the United States in time of actual armed rebellion against the authority and Government of the United...
The Tribune Almanac - Page 26
The Sunday School Repository, Or, Teachers' Magazine, Volume 1, Issue 8
Sunday school teachers - 1813
...President of the United States, by virtue of the power in me vested, as C'ommanderin-Chief of the army and navy of the United States, in time of actual armed rebellion against the authority and Governmontof the United States, and asa fit and necessary war measure for suppressing said rebellion,...
Sunday School Teachers' Magazine, and Journal of Education
...President of the United States, by virtue of the power in me vested, asC'ommandcrin-Chief of the army and navy of the United States, in time of actual armed...rebellion against the authority and Government of the UuitedStates, and as a fit and necessary war measure for suppressing said rebellion, do, on this first...
The New Englander
Criticism - 1865
...power in me vested as Commander in-Chief of the Army and Navy of the United States, in time of actual rebellion against the authority and Government of...war measure for suppressing said rebellion, do, on the first day of January, etc., etc " And upon this Act, sincerely believed to be an act of justice,...
New Englander and Yale Review, Volume 24
Edward Royall Tyler, William Lathrop Kingsley, George Park Fisher, Timothy Dwight - United States - 1865
...power in me vested as Commander in-Chief of the Army and Navy of the United States, in time of actual rebellion against the authority and Government of...war measure for suppressing said rebellion, do, on the first day of January, etc., etc. .... " And upon this Act, sincerely believed to be an act of justice,...
The Works of William H. Seward, Volume 5
William Henry Seward - New York (State) - 1884
...President of the United States, by virtue of the power in me vested as commander-in-chief of the army and navy of the United States, in time of actual armed...said rebellion, do, on this first day of January, in the year of our Lord one thousand eight hundred and sixty-three, and in accordance with my purpose...
Mr. Russell on Bull Run: With a Note, from the Rebellion Record
Sir William Howard Russell - Bull Run, 1st Battle of, Va., 1861 - 1861 - 12 pages
...declares that he issues it " by virtue of the power in him vested as Commander-in-chief of the Army and Navy of the United States in time of actual armed...authority and government of the United States, and at a Jit and ntciisary war measure for suppressing the rebel ion." On another memorable occasion he...
United States. Army. Department of the Gulf (1862-1865). - New Orleans (La.) - 1862
...President of the United States, by virtueof the power in me vested, as Commander-in-Chief of the army and navy of the United States, in time of actual armed...against the authority and Government of the United Stales, and as a fit and necessary war measure for suppressing said rebellion, do, on this first day...
Acts Passed at the First Session of the 1st Congress - 3d Session of the ...
United States - Law - 1863
...President of the United States, by virtue of the power in me vested as commaiuk-r- inchief of the army and navy of the United States, in time of actual armed...said rebellion, do, on this first day of January, in the year of our Lord one thousand eight hundred and sixty-three, and in accordance with my purpose...
The Rebellion Record: A Diary of American Events, Volume 6
Frank Moore - United States - 1863
...President of the United States, by virtue of the power in me vested as Commander-in-chief of the Army and Navy of the United States in time of actual armed...said rebellion, do, on this first day of January, in the year of, our Lord one thousand eight hundred and sixty-three, and in accordance with my purpose...
Christianity and Emancipation: Or, The Teachings and Influence of the Bible ...
Joseph Parrish Thompson - Christianity and religious humanism - 1863 - 86 pages
...President of the United States, by virtue of the power in me vested as Commander-in-Chief of the Army and Navy of the United States in time of actual armed...said rebellion, do, on this first day of January, in the year of our Lord one thousand eight hundred and sixty-three, and in accordance with my purpose...


text:
Solomon Wright Public Library
The SWPL Team
"Everybody can be great. Because anybody can serve. You don't have to have a college degree to serve. You don't have to make your subject and your verb agree to serve. You don't have to know the second theory of thermodynamics in physics to serve. You only need a heart full of grace. A soul generated by love." – Martin Luther King, Jr.
Thank you to all the wonderful people who serve the Pownal community by serving the Solomon Wright Public Library. Thank you for your time, your effort, your love, and your dedication.
Mary Natalizia
Board Chairwoman
Mary received a BFA in painting from UMass Darmouth, and an MAT from the Rhode Island School of Design.
She is a visual artist focusing on oil painting and mixed media drawings. Website: marynatalzia.com
Mary taught public school for 34 years, moving to the area in 1986 to teach art, ceramics and AP studio art at Mt. Anthony Union High School. She also taught at North Bennington Graded School and, for the last 24 years of her career, at Pownal Elementary School. Hergreatest joy of teaching was connecting students with professional artists from all disciplines, facilitating creative problem solving and visual storytelling through developmentally appropriate curriculum. Upon retiring 4 years ago Mary wished to maintain her connection to the wonderful children of Pownal through volunteering and serving on the library board. Since she began volunteering she has offered arts and crafts programs, run the Summer Reading Program with former director Linda Hall, staffed the circulation desk and chaired the renovation committee. Mary is currently serving as Chair of the Board of Trustees and looking forward to continuing to volunteer in our beautiful new library!
Karen Gallese
Board Treasurer
At a young age, Karen remembers learning to write her name so she could get a library card from her town library. Thus, began her love of books and reading. When Karen first moved to Pownal, over 32 years ago, one of the first places she visited, along with her three children, was the Solomon Wright Library. She has been a member of Board of Directors for eight years.
Karen spent 35 years in the field of public education in Massachusetts as a teacher, special education administrator, and principal. For the last ten years she has been involved in other areas of public education, and for four years, was the director of the Oak Hill Children's Center in Pownal.
Karen resides in Pownal with her husband Robert. Together they have three children, Allison, Andrew and Anna.
Sarah Sanfilippo
Sarah worked for over 17 years as librarian at Southern Vermont College, and is now director of the North Adams Public Library. She lives in Pownal with her husband and young daughter, where they like to garden, walk in the woods, and hoot at owls.
Bob Case
Robert Solomon Wright Case is the grandson of Solomon Wright, and son of Lucy Wright Case and Peter T. Case.
For the past 40 years, Bob has enjoyed working in the mortgage and real estate businesses and is still currently employed and very active in both. He has had long term community involvement in charitable endeavors, coaching, Boys & Girls Club, and even a short stint on the Town of Plymouth's Finance Committee. Bob enjoys mentoring, golfing and, most importantly enjoys spending time with and supporting his three children and eight grandchildren in all their endeavors.
Bob looks forward to contributing his "two cents worth" to helping the Library continue to remain a focal point of the Pownal Community. He would like to be able to give back to the Community for its continued support of the Library, and help continue the legacy of Solomon Wright.
Kaitlyn Hunt
Trustee, Pownal Elementary School Liaison
Kaitlyn lives in Pownal with her husband, Tad, and their two sons, Lyndon and Liam. Aside from teaching, Kaitlyn enjoys spending time with her family and exploring the world with them. She is excited to be on the SWPL board of trustees as the school liaison, and looks forward to strengthening the connection between the two.
Kaitlyn began working in public education in October 2001 as an intensive needs paraeducator at Pownal Elementary. After falling in love with the idea of fostering a love of learning in her students, Kaitlyn continued her education at CCV, Johnson State, and MCLA where she earned her Master's in Special Education. A lifelong learner, Kaitlyn is currently working toward a degree in Administration while also teaching third grade at Pownal Elementary. She is the coordinator of the summer book mobile program, and cannot say enough about how important that literary connection is to so many of our Pownal students and families.
Willy Jones
Willy joined the board in 2010 because he loves to read and thinks it's important that small communities have libraries they can attend and support. Willy taught third grade for twenty nine years at Pownal Elementary School. He has hosted shows on WBTN and Cat TV for many years. He is a card carrying member of Actor's Equity Association and member of Old Castle Theatre Company since 1987.
Becca Martin
Becca is the newest member of the SWPL Board of Trustees. She holds an Associates Degree from BCC and Bachelors Degree from MCLA in Environmental Studies/Science. Becca works at BPVS Inc., a local solar installation and design company based in North Adams, MA, and lives in Pownal with her husband Brad and their young son Bentley.
Julius Rosenwald
Julius Rosenwald is a cantankerous old grump who makes up for his habit of cursing like a sailor with his unwavering support of the Solomon Wright Public Library. He has faithfully served on the Board of Trustees for approximately 150 years and will undoubtedly continue to advocate for the library, and the Pownal community, forever.
Jen Ryan
Jen joined the SWPL team as Library Director in October 2019. She holds a Vermont Certificate of Public Librarianship, and is also a Co-Director of the Stamford Community Library in neighboring Stamford, VT where she lives with her husband and three children.
Ellie DiCristofaro
Ellie came to us as a volunteer in 2020, driven by her love for literature and learning. She is a licensed funeral director and embalmer, but is now exploring a new career in librarianship! She holds a Bachelor's degree in Business Administration from MCLA, and an Associate's degree in Mortuary Science. She lives in North Adams with her husband and two spoiled cats. In her spare time you can find her hiking, making art, or reading her favorite author, Michael Crichton.
Holly Dix
Holly Dixs' passion for literature and community engagement led her to us in 2016. Along with volunteering at the Solomon Wright Public Library she holds a volunteer position as the committee chair for our local Cub Scout pack. She is employed as the Director's Assistant and Children's Librarian at the Martha Canfield Library in Arlington, Vt. In her spare time she enjoys outdoor activities such as hiking, fishing, and gardening. Her all-time favorite author is J.K. Rowling!
Anne Marie Jarvis
Anne Marie grew up in the Boston area and has worked in the Human Resources field at the Peabody Essex Museum and the Boston Symphony Orchestra. She moved to Pownal with her family in 2014 and began volunteering at the Solomon Wright Public Library in 2019 as a way to connect to the Pownal community. Currently, Anne Marie is involved in early childhood and preschool education. Making music and story telling are among her favorite things to do.
Julie Mackaman
Julie is a freelance writer who moved from San Francisco to Pownal in 2002 and never looked back. She worked her way through college in the school library and is today a card-carrying member of public libraries in Vermont, Massachusetts and Minnesota. She has been a volunteer at the Solomon Wright Public Library since 2010, as best she can remember as her calendars don't go back further than that. (Her photo shows her on one of the happiest mornings of her life, watching sunrise over the Annapurna Massif in Nepal.)
Megan Randall
Concerned about our democracy, Megan Randall became a volunteer in the fall of 2016. Libraries have always fostered democracy in America because they welcome all to the "banquet between minds" that reading and writing can be. A former English teacher, Ms. Randall loves literature and is a voracious reader. She also gardens and keeps bees, and is co-chair of Pownal Proud, a group that seeks to reduce roadside litter and curtail illegal dumping in Pownal.
Dawn Rodrigues
After teaching at colleges across the country, Dawn Rodrigues retired to a farmhouse in Pownal, where she lives with her husband and their animals. A former English teacher and educational technology specialist, Dawn was pleased to find a volunteer opportunity that fit her background. She especially enjoys helping patrons use the many free ebooks and audio books available through the library.
P.O. Box 400, 97 Main Street, Pownal, VT 05261
©2019 by Solomon Wright Public Library.


Definition: 'Return' is defined as the action of giving back the item purchased by the Buyer to MarSha eCommerce services Pvt Ltd on its GiftZenie website.
At GiftZenie we aim to provide our valued customers with a timely, hassle free and comfortable shopping experience. This applies to delivery and shipping as well. We try and ensure that what you ordered is delivered on time and with the correct quality, quantity and specifications as ordered.
Please note that other than the terms mentioned above, we do not undertake returns/refund on products which are delivered in a good condition.
Exchange of products can be considered in the event that the product delivered has a genuine manufacturing/quality defect or is incorrect (i.e. the product delivered is different from the order placed or is defective). In these situations we will replace the product with the one you ordered as per our records. No value refund will be entertained.
For shipping locations outside of Delhi, the customer will be required to courier the product back to us. The shipping cost for sending back the product to us will have to be borne by the customer.
Exchange request can be initiated by getting in touch with our customer care team via phone on +919999262473 / +919899110071 (available between 10:00 AM to 06:00 PM IST). In case you wish to write to us, please email us at customerservice@giftzenie.com with your order number, transaction date, delivery date, delivery address and image of the concerned item.
The request must be raised within 48 hours of receipt of the said shipment.
Revert on resolution from the customer care team to the customer on the concerned query will be done within 2 working days.
For approved exchanges, the product returned should be in its original packaging and in the same unused and unwashed condition as received.
This return/exchange policy comes covers our entire product range except Travel and Recreation.
MarSha eCommerce Services Pvt. Ltd. reserves the sole discretion to provide the resolution to any situation as seen fit by the company. Each request will be handled on a case to case basis.
In the event that the customer has provided wrong/incomplete shipping address or there are 2 failed delivery attempts by our shipping agency and/or the package is refused by the recipient, there will be no refund.
Disclaimer: All policies are subject to change without prior notice. In case of any conflict, the decision of MarSha eCommerce Services Pvt Ltd will be deemed final.


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As expectations for further monetary tightening have risen, investors are now wondering when the Fed will end reinvestments.
We expect the Fed to introduce its taper plans sometime around the end of this year, resulting in wider MBS spreads. The magnitude of widening will depend on the level of primary mortgage rates, Treasury issuance and Fed SOMA strategies, fundamental factors, and investor positioning.
As the Fed's dominance in the MBS market recedes, the importance of active management will increase.
Through its first quantitative easing (QE) program, the Federal Reserve (Fed) began purchasing agency mortgage-backed securities (MBS) in November 2008 and US Treasuries (USTs) in March 2009. Since ending its third asset purchase program (QE3) in 2014, the Fed has continued to participate actively in both the MBS and UST markets by reinvesting the principal received from its maturing bond holdings. As a result, the Fed's holdings have hovered around $1.75 trillion in MBS and $2.6 trillion in USTs for almost 2.5 years. Anticipation for change is now building as expectations for further monetary tightening and Fed member comments on balance sheet normalization have brought the topic of Fed "taper" (i.e., a gradual end to reinvestments) front and center.
We believe the Fed will introduce its plans to taper reinvestments sometime around the end of this year, with the likely result of some MBS spread widening. Yet several factors, including improved current MBS valuations and the low volatility environment, indicate that the MBS sector will remain attractive over the near-term, particularly as a replacement for other high-quality investments that may have weaker fundamental valuations.
We further detail our views on Fed tapering and relative value in the agency MBS sector in the notes that follow.
When will the Fed stop reinvesting in MBS and USTs?
When the Fed completed QE3, it pledged to reinvest maturing principal in MBS and USTs "until normalization of the level of the federal funds rate is well under way." Prior to the March Federal Open Market Committee (FOMC) meeting, Fed members had indicated that this level would be reached when the federal funds rate reached 1% to 2%. In the press conference following the March meeting, however, Fed Chair Janet Yellen stated that the threshold was not wholly quantitative in nature and added the "balance of risks and confidence in economic outlook" as another condition to tapering reinvestments. The Fed's current projection for the terminal funds rate is 3.0%. Assuming that this projection does not change materially, then 1.5% is a reasonable estimate for rate normalization that is "well under way," although in light of Yellen's recent qualification, tapering may not occur until later in the hiking cycle.
Source: Federal Reserve Bank of St. Louis, Bloomberg Barclays, Western Asset. As of 15 Mar 17.
We further surmise that housing reform, which Treasury Secretary Steven Mnuchin has stressed as a top priority for the Trump administration (see our previous analyses: Laying the Foundation for Housing Reform and Forcing the Hand of Housing Reform), could lead the Fed to proceed cautiously around ending MBS reinvestments. We expect the administration to reveal details around its plans for Fannie Mae and Freddie Mac over the next 12 months, which is likely the same window of time required before the economy reaches the Fed's quantitative and qualitative thresholds for taper.
Weighing all these considerations, we expect the Fed to begin communicating its taper program sometime around the end of this year. While this may clash with the administration's plans for housing reform, we believe the Fed's desire to initiate the process before the end of the current Chair's term will prevail.
Will the Fed taper MBS or Treasuries first?
Once the Fed determines the economy has met the Fed's conditions for taper, we believe that reductions to reinvestments in MBS and USTs will commence simultaneously and be phased in over a nine- to 12-month period. This schedule would be similar to the Fed's reduction of new Treasury and MBS purchases from December 2013 to October 2014. At the current level of mortgage rates (4.25% to 4.375%), the net supply of MBS would increase every month by $2 to $3 billion until the end of the taper period. It stands to reason that this pace would increase in rate rallies and decrease in rate selloffs, as the amount of maturing principal on MBS would be greater in lower-rate environments and smaller in higher-rate environments. This would mute the typical directionality of mortgage flows in rate moves due to convexity hedging, i.e., the need for MBS holders to add duration as their portfolios shorten duration in a rally and to sell duration as their portfolios extend duration in a selloff.
Will the Fed sell MBS?
As Chair Yellen affirmed in her most recent appearance before the Senate Banking Panel, the Fed has no plans to sell either USTs or MBS. Yellen's term as Chair does expire at the end of January 2018, and a new Chair confronted with new circumstances would not necessarily adhere to this plan. Nonetheless, given the tenuous nature of the economic recovery, we do not anticipate a new Fed regime will sell assets in significant size in the near term. Further, we believe the Fed will remain sensitive to any disruption to the housing sector of the economy that might occur as a result of asset sales.
How could this impact MBS spreads?
Once the taper has been completed, the market will need to absorb an additional $200 to $225 billion of MBS supply per year, assuming that primary rates remain in the current range. At lower mortgage rates, this number will be larger, since there will be more organic supply and faster prepayments on the Fed's MBS portfolio. At higher mortgage rates, this number will be smaller, since there will be less organic supply and slower prepayments on the Fed's MBS portfolio.
If the Treasury issues bills with low duration to replace the issuance maturing on the Fed's balance sheet, then MBS yields are likely to rise more than Treasury yields, whereas if the Treasury issues longer maturities with higher duration, then MBS spreads may not widen as much.
The Fed has communicated a desire to eventually return to a Treasury-only portfolio. If the Fed targets a larger long-run equilibrium size for its Treasury SOMA portfolio, this would result in wider MBS spreads, whereas if the Fed targets a smaller steady state Treasury portfolio size, this would mitigate MBS spread widening.
Volatility, MBS yields, MBS hedged-adjusted carry (i.e., carry net of duration and volatility costs), and relative value between asset classes.
Bank deposit and loan growth versus UST and MBS holdings, investor (e.g., domestic banks, international accounts, money managers) overweights/underweights to MBS.
Our estimate of the magnitude of widening is in line with consensus at 15 to 20 basis points (bps), although there is margin for error due to variance in the factors described above. One potential upside for Ginnie Mae valuations is that banks may increase their demand for Ginnie Mae MBS, which receives the same regulatory treatment as USTs, in order to maintain their liquidity coverage ratios as the Fed withdraws reserves.
How are we positioning our MBS portfolios ahead of the Fed tapering?
While we believe that valuations are likely to cheapen once taper eventually approaches, we believe current valuations and hedge-adjusted carry provide adequate compensation over the next 9 to 12 months. We view MBS as appropriately priced for the near-term risk of tapering, as option-adjusted spreads have widened 20 to 25 bps from the tightest levels of 2016 (Exhibit 2) and now reside on the wider end of the three-year range. From a fundamental standpoint, we believe that the Fed's intention to raise rates gradually will contain volatility in longer-dated rates, which should benefit mortgages. We also view the MBS sector's convexity profile favorably. At today's rate levels, only 27% of the 30-year mortgage universe has the rate incentive and equity available to refinance,1 limiting the risk of further duration extension. Additionally, the current technical landscape, in which the Fed is reinvesting and origination remains low, limits the potential for spread widening over the short-run horizon.
In our allocations to production coupons, we began to rotate from TBAs to specified pools in December 2015, based on our view that attributes protecting against faster prepayments were undervalued and that TBA carry would begin to deteriorate as reduction in the Fed's activity level from outright purchases to reinvestments would adversely affect the composition of MBS issuance. Spreads on specified pools have improved as both of these views were subsequently validated. We currently hold a bias for TBAs over specified pools as we believe the latter sector is fully priced.
Almost a decade ago, the Fed launched QE in an unprecedented effort to combat damage from the financial crisis. The looming withdrawal of QE will likewise be a unique event. As the Fed's dominance in the MBS market recedes, the importance of active management will increase. We expect events over the next 12 months to present major opportunities for relative value-oriented MBS managers to capture alpha.
Morgan Stanley Truly Refinanceable Index, as of March 15, 2017.


At least some of the protesters who looted, rioted, burned buildings and overturned police cars in Ferguson, Missouri, last year were promised payment of up to $5,000 per month to join the protests.
However, when the Missourians Organizing for Reform and Empowerment (MORE), the successor group to the now-bankrupt St. Louis branch of ACORN (Association of Community Organizations for Reform Now), stiffed the protesters, they launched a sit-in protest at the headquarters of MORE and created a Twitter page to demand their money, the Washington Times reports.
Former U.S. Rep. Allen B. West noted on his website, "Instead of being thankful for getting off the unemployment line for a few weeks and having a little fun protesting, the paid rioters who tore up Ferguson, MO, are protesting again.
"First of all, can you even imagine getting paid $5,000.00 a month for running around holding a sign and burning down an occasional building? That's around $1,250.00 per week. Try making that at McDonald's or Starbucks."
The Kansas City Star estimates that the Ferguson riots, characterized as a spontaneous eruption of anger over the shooting of unarmed black criminal Michael Brown by Ferguson police officer Darren Wilson, cost the county $4.2 million.
Millennial Activists United (MAU) posted a letter on their website stating, "On May 14, 2015 many individuals and organizations of the protest movement that began in Ferguson, Missouri, organized a sit-in in the office of Missourians Organizing for Reform and Empowerment (MORE). The demand was simple: Cut the checks. The protesters say they are unable to pay their bills after taking time to travel to Ferguson.
"Questions have been raised as to how the movement is to sustain when white non-profits are hoarding monies collected of off (sic) black bodies? When we will (sic) hold the industry of black suffering accountable? The people of the community are fed up and the accountability begins here and now," the letter continues.
"There is an insidious strand of racism and white supremacy that exists in this movement. This money is typically in the hands of white people who oversee the types of services that the non-profit provides, while having select token black people to spearhead the conversations within and to the community."
MORE is funded by liberal billionaire George Soros, the Times notes, through his Open Society Foundations (OSF).
The OSF, the Times states, paid for activists from various protest groups to travel to Ferguson and take part in the demonstrations.
Akiba Solomon of Colorlines stated, "More than 500 of us have traveled from Boston, Chicago, Columbus, Detroit, Houston, Los Angeles, Nashville, Portland, Tucson, Washington, D.C., Winston-Salem, North Carolina, and other cities to support the people of Ferguson and help turn a local moment into a national movement," the Times noted.
"There's absolutely no doubt that part of the reason that Ferguson flared up was because protesters were being paid to be there. That makes you wonder how many are being paid in Baltimore? How many more will be paid in the future?" The Right Scoop asked.
Protesters directed much of their anger against MORE director Jeff Ordower, former Missouri head of ACORN and ACORN's Midwest operations, FrontPage Mag reports.
"The unpaid rent-a-mob operatives complain that MORE stiffed them the same way ACORN did to hired protesters throughout its 40 years of radical left-wing rabble-rousing," FrontPage Mag reports.
President Donald Trump on Tuesday accused Twitter of being "very discriminatory" towards Republicans and playing "politi . . .
Think breakfast isn't the most important meal of the day?Think again, say researchers behind a new study that found the . . .


An autopsy revealed yesterday that Number 69 Village, Corentyne block maker Mahendra Sooknanan, who was fatally stabbed over two dozen times on Sunday evening by a friend, died from shock and hemorrhaging due to multiple incised wounds.
The young block maker was reportedly battered with a fence picket and then stabbed with his own knife by the suspect, who has been identified as his friend, 19-year-old Orvin Soomai.
Stabroek News was told that the file regarding the matter was sent for legal advice yesterday and the suspect is expected to appear before a Corentyne court today to face the charge of murder.
The suspect had confessed to investigators that after hours of drinking, an argument ensued between the two, which led to a physical altercation. Sources close to the investigation had said that the suspect claimed that the deceased claimed to have a relationship with his (the suspect's) wife, which made him angry.


Just what is business Peer-to-Peer lending? And what can it do for me?
Peer-to-Peer (P2P) lending is a form of investing where people with money who are looking for an income (interest) lend to credit checked individuals and businesses that are looking to borrow. They do so collectively through the P2P lending platforms, which amalgamate the money of those willing to lend.
The platforms source, credit-check the potential borrower, facilitates the loan and automates (as much as possible) the process of lending and borrowing (inclusive of the legal and regulatory requirements) and takes a fee or commission for doing so.
This is what Banks have done with savers (depositors) money for many years, so there is nothing new about the process. What is new is the technology that enables individuals who wish to lend money to connect directly with businesses and individuals that are looking to borrow do so more efficiently (at a lower cost) than the Banks. In this way lenders on P2P platforms typically receive much higher interest rates for their money than they can presently receive from a savings account and borrowers often receive better rates too (because the higher Bank costs or 'spread' isn't a factor).
It is also useful to know that P2P is also sometimes called crowd lending or debt crowdfunding and P2P lenders are regulated by the Financial Conduct Authority (FCA).
It may sound a bit like a bank or savings account but it isn't. This is a cash investment, albeit one where you lend your money to a business or individual that is looking to borrow money. You do not have the protections that cash savers have, such as the Financial Services Compensation Scheme (FSCS) which protects £85,000 of persons' savings per Bank.
As a lender you also lose the Bank buffer from debtors that default; meaning the individual takes on the risks of not receiving the interest/income or being repaid should the debtor be unable to pay it.
Are the peer-to-peer platforms regulated?
Yes they are. The platforms are regulated by the Financial Conduct Authority (FCA). They must present information clearly, be honest about the risks of investing should things go wrong and have plans in place should things go wrong. Since April 2017 the peer-to-peer platforms must have at least £50,000 of capital in reserve to act as a buffer to ensure that they can withstand financial shocks or difficulty.
When P2P started there were a handful of platforms in the UK that connected individuals with money to lend with businesses, or other individuals, who needed a loan. The better known platforms include Funding Circle, Ratesetter and Zopa. However in the last two years P2P has expanded. Challenger Banks like Metro Bank, specialist Banks like Close Brothers and specialist loan brokers are offering loans through the P2P platforms or using their technology to connect with a wider potential client base than before, particularly in the business loans sector. This is why some observers now refer to P2P as debt crowdfunding.
So if my business wants to borrow money I can just cut out the Banks and ask people for it?
You most certainly can cut out the Banks and ask for money from the crowd but it isn't quite as simple as just turning up and asking for it.
P2P platforms will expect you to fill in detailed forms, provide details of your businesses finances and will run credit checks. In short, the platforms do everything that a Bank would do. What is different about the P2P platforms is that they don't have the overheads of a Bank and have the benefits of new technology to make things more efficient. Which means they connect you directly to people who wish to lend you money and will generally process your application and deliver the money (if you are accepted for a loan) faster than the Bank could and, in businessagent.com's experience, often at better rates and higher values too. However, the due diligence required to check your businesses suitability for a loan is at as high a standard as it would be for other lenders, like Banks.
So how do I go about asking for a business P2P loan?
There are many different platforms that offer P2P lending and an increasing number of other players too, like specialist banks, lenders and challenger banks. However the simplest and fastest way to apply for a loan would be to use businessagent.com's loan application process. Not only does businessagent.com offer you visibility of the UKs P2P market in one place, it also offers the P2P market visibility of any loan application processed by us. This means that you fill in one form for your business and every P2P platform has the chance to offer you a loan if they think you are suitable. Then you get to decide which, if any, loan is right for your business and compare the differing terms, rates and values you are offered.
I think the interest on Peer-to-Peer sounds pretty good, how do I know if it is right for me?
It is not cash savings but an investment. So there is no Financial Services Compensation Scheme and there is the potential to lose some or all of your money.
Your money may not be lent straight away. The platforms match lenders with borrowers and that can take time, particularly if you have a large amount of money to lend as platforms may drip feed the money.
All platforms have to pay insurance for a third party debt collection agency, however if the P2P platform were to close or go bust despite this insurance the likelihood is that there would be an impact on your investment. Note: the loan agreement is between you and the borrower, not the borrower and the platform and to date no UK platform has gone bust.
If the borrower cannot repay the interest on the loan, or the loan itself, as lender you absorb the risk; i.e. you would lose your money.
This is a new sector, growing and evolving every year in the UK. Maturing sectors are expected to come with a few shocks to the system; mergers, acquisitions and the occasional failure. Of course established sectors come with these too (the Banking crisis of 2008 for instance) but in an emerging sector the risk of the impacts of 'unkown' events is considered to be higher.
If fully aware of the risks of P2P lending you still believe it to be attractive start your research. There are a number of different platforms in the UK offering P2P. businessagent.com offers visibility of the UK P2P market in one place, so is a good place to start your search.
How do I go about lending through a P2P site? What do I need?
businessagent.com recommends that you start by researching what the different P2P platforms offer before making a decision as to which platform to lend through. For instance, not all platforms offer an IFISA. It is worth knowing the volume of lending that the platform offers, who it lends to – eg. Businesses and/or individuals, its default rates, how long it has been offering P2P and anticipated interest rates.
Once you are clear about the platform that is right for you they will guide you through the investment application process, which usually takes just minutes to complete although it may take longer for the application to be processed.
How do I access my money if I invest through a P2P site?
Every site has a slightly different system, however they all have investor interfaces where you can view the money that you have lent, the capital as yet invested and the income received.
An IFISA- Innovative Finance ISA – is a tax wrapper. This means that if you lend money on a P2P platform through an IFISA you do not pay income or capital gains tax. The amount that you could invest in an IFISA in the 2017/18 tax year is £20,000.
To learn more about IFISAs why not read the businessagent.com guide.
It all sounds very interesting but I'm still not sure.
The best decisions are informed decisions, which is why in addition to doing your own research businessagent.com recommends that before you invest in P2P you speak to a financial adviser. They can help you gain all the facts that you need to make the right decision for your financial needs.