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What is Further Leave to Remain?
By Gulbenkian AndonianIn Immigration, GA NewsPosted December 7, 2021
If you are a non-British national living in the UK, most likely you're on a visa or leave to remain. Unfortunately, your visa has a limited validity, and the same case applies to limited leave to remain. This means that you need to find a way of getting an extension of your allowed to stay in the country from the Home Office if you want to live in the country beyond the validity of your visa or limited leave to remain.
Otherwise, you might be regarded as an overstayer if you're in the country on an expired visa or be considered an illegal immigrant if you're still in the country while your limited leave to remain has lapsed. On that note, you can apply for further leave to remain, which is basically the permission given by the Home Office to non-UK citizens to enter and live in the country for a specified period.
Further Leave to Remain Application
The further leave to remain application can be made through one of the following ways, depending on your circumstances:
Further leave to remain 'M' category also known as FLR (M)-this is based on marriage
Further leave to remain 'F' and 'P', alias FLR (FP)-this is based on family and private life.
FLR (M)
FLR (M) form can be used by an applicant who is looking to extend their stay in the UK on the basis of being a partner or a spouse to a British or a person with UK Settled Status, refugee leave or humanitarian protection. So, you may be expected to have a valid UK spouse visa for your FLR (M) application to be successful.
Leave granted under FLR (M) application is valid for 2.5 years. After a continuous stay for a period of at least five years under this leave, an immigrant can apply for an indefinite leave of remain (ILR), which offers permanent residency. This is normally called the 5-year route to ILR.
The FLR (M) applicants must show the Home Office that they meet the set requirements in their respective category, for instance:
Documentation to prove your identity.
Show when you started living in the UK.
Proof of relationship to the British sponsor (partner or spouse).
Financial requirement
Accommodation requirements.
English language requirements.
In a nutshell, leave granted under FLR (M) application is normally given within the respective UK immigration rules.
FLR (FP) – The Catchall Form – If You do not come under any other Specific Category.
If you don't meet the requirements for FLR (M), for example, you may be in the UK as an overstayer, or maybe here illegally, you can try getting further leave to remain through the FLR (FP) form. When you fill in the FLR (FP) form, you'll be applying for a UK stay extension based on family or private life.
This application form is meant to be filled in by the UK immigrants who do not meet the requirements for the FLR (M) but qualify for an exception under Appendix FM of the UK immigration laws.
Further Leave to Remain under Family Life.
Family life includes applications made as a spouse of a person who is settled in the UK or for a guardian of a British child. Appendix FM of the UK immigration law has the rules to be followed by those wishing to apply for further leave to remain under family life.
For example, it may be deemed irrational to have a person who is married to a British citizen with whom they have a child together leave the country because their leave to remain has expired. The non-British spouse can apply to have their leave extended through FLR (FP). Further leave to remain under family life gives such a person an opportunity to extend their stay in the country for 30 months. It would be up to the discretion of the Home Office, however, to grant such permission. He could be advised to leave and make an application from abroad. He may be given a right of appeal as this would be a human rights issue where you can argue your case before an immigration judge.
Additionally, if you divorced your British spouse but still have access to the child you have together, or due to your financial status, you may not qualify for a UK spouse visa. However, you can apply for leave outside the rules on the basis of family life through FLR (FP). This is because your child forms part of your family life.
Further Leave to Remain Under Private Life.
Further leave to remain under private life application is solely considered under the merits of the applicant's circumstances, other than a dependent, spouse or spouse-like relationship.
If you've stayed in the UK for considerably many years (illegally or legally and legally), you can apply to extend your stay in the country legally through FLR (FP) as long as you meet paragraphs 276ADE(1) and 276ADE(2) of the UK immigration Rules Part 7.
For instance, you must fulfil one of the following conditions to qualify for further leave to remain on the basis of private life:
A minimum of 20 years of continuous illegal (or a combination of legal and illegal) stay in the UK if 18 or over.
At the very least, seven years of continuous illegal (or a combination of legal and illegal) for a child under the age of 18 years who has lived continuously in the UK for at least seven years;
Having lived in the UK for at least half of your age continuously if you're aged between 18 and 24.
If the Home Office finds your FLR (FP) application (either on private life or family life) compliant with the necessary requirements, you'll be allowed to live in the UK for additional 2.5 years (30 months). You'll enjoy the rights accorded to the immigrants on leave to remain, such as the right to work, study and live in the country within the leave period.
FLR (FP) is a gateway to indefinite leave to remain. However, this is a 10-year route to ILR, meaning that you have to live in the UK for ten continuous years on a visa gained through FLR (FP) for your ILR application to be successful.
What's the difference between FLR (FP) and FLR (M)
Both FLR (FP) and FLR (M) are application forms that are used by UK immigrants without settled status or indefinite leave to remain to apply for the extension of their stay in the country as legal immigrants.
However, the two forms differ in two key ways. First, the leave given through FLR (M) is granted within the UK rules and is based on marriage, all based on unmarried couples or civil partners, while FLR (FP) requirements are outside the rules.
Secondly, two successful FLR (M) applications can be enough for one to qualify for indefinite leave to remain upon staying in the UK continuously for the two granted leave periods (5 years). On the other hand, FLR (FP) applications constitute a 10-year route to ILR. If you have been in the UK on an irregular basis but otherwise comply with the immigration rules, as a punishment for being here, for example, as an overstayer, he may be given discretionary leave to remain but told that you must renew your status and that this category for a ten year period before applying for ILR. This means that one has to have made at least four FLR (FP) applications to accumulate ten years of continuous stay in the UK for them to stand a chance to qualify for indefinite leave to remain.
Contemplating which route is the best for your application for further leave to remain in the UK can be a daunting task. Therefore, we recommend that you seek legal advice from a legal expert to identify the option that suits you best, based on your specific circumstances. On that note, our immigration solicitors can offer you any guidance you need on your further leave to remain application.
Whether you need help with identifying the best option for you between FLR (FP) and FLR (M) application, getting the necessary support documents or filing in either of the forms, you can count on us for the best results. Contact us now for timely help.
Gulbenkian Andonian
Spouse Visa Extension UK Requirements 2022
Tier 1 Investor Visa Guidance
They are brilliant; I will highly recommend them, I had a small query and they even didn't charge me for all my questions. Highly professional and highly responsive. Thanks a lot :)
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Thanks to Gulbenkian Andonian Solicitors I've got my Tier 1 Visa! :) Amazing people, highly professional in what they are doing. My immigration case was quite complex as I am non-European, plus Brexit wasn't helping either. Gulbenkian Solicitors did all the applications and the legal advice I received from them was extremely precious and I would say vital in getting positive results in my case. No surprise – they are actually the Top Tier Solicitors in the UK! Amazing job! Definitely recommend them! The best immigration solicitors in London!


What can a few rand buy you South Africa.
Here in South Africa, tourists spending the British Pound or American Dollar can have an amazing holiday on our shores due to the exchange rate. Especially when you can get R16.00 to $1.00 or R22.00 to £1.00 (Feb 2016).
– On Arrival at airport: Pre paid C-Cell mobile sim card – From R300 upwards ($19.00 or £14.00).
– Uber X from airport to Cape Town Waterfront – – R180+ to R250+ ($10.00 or £7.00) one way.
– Tripadvisor Hotel room – R2500+ to R10000+ ($157.00 or £114.00) per night.
– Airbnb Apartment – From R500.00+ to R2000.00+ ($31.00 or £22.00) per night.
– Car hire from CABS Car Hire – FromR320+ to R790+ + ($20.00 or £14.50) per day.
– Starter – From R75+ ($5.00 or £3.40).
– Salad – From R90+ ($5.60 or £4.00).
– Meat 350g Beef fillet – From R274+ ($17.00 or £12.50).
– Chicken – From R130+ ($8.00 or £6.00).
– Line fish – From R160+ ($10.00 or £7.30).
– Sweets – From R65+ ($4.00 or £2.70).
– Bottle of Red wine bought in a restaurant – From R150+ ($9.37 or £6.81).
– Bottle of local beer bought in a restaurant – From R30+ ($1.80 or £1.36).
– Whisky bought in a restaurant – From R40+ ($2.50 or £1.81).
– Bottle of water in a restaurant- From R30+ ($1.80 or £1.36).
– City sight-seeing (Red Bus) hop on hop off- From R180+ ($11.30 or £8.18).
– Chauffeur drive CABS Car hire – From R800+ ($50.00 or £36.36).
– Table Mountain cable car trip – From R240 return for 1 adult ($15.00 or £10.90).
– Shark cage diving – From R1500 1 adult ($93.00 or £68.00).
Click here for a travel guide experience of Cape Town.
CABS Car Hire prices quoted are as of February 2016 and can and will change at a moment's notice.


The following materials are subject to copyright restrictions and regulations by their corresponding publishers. Their download is limited to your acceptance to the copyright terms as defined by their respective publishers, including their use for only personal or educational purposes and noticing that the online versions may be slightly different than their printed versions that are available at their respective publishers.
Yousef J. Al-Houmaily. Commit Processing in Distributed Database Systems and in Heterogeneous Multidatabase Systems. Department of Electrical Engineering, University of Pittsburgh, April 1997.
Yousef J. Al-Houmaily. Design and Application of Relational Database Systems (in Arabic Language). Research Center, Institute of Public Administration, Riyadh, Saudi Arabia, 2008.
Yousef J. Al-Houmaily. Computer Utilization in the Government Sector in Saudi Arabia: Obstacles and Solutions, (Field Research Study written in Arabic). Research Center, Institute of Public Administration, Riyadh, Saudi Arabia, 2005.
Yousef J. Al-Houmaily. Extending the Intelligent Adaptive Participant's Presumption Protocol to the Multi-Level Distributed Transaction Execution Model. International Journal of Database Management Systems, Vol. 7, No. 6, pp. 29-48, December 2015.
Yousef J. Al-Houmaily. GLAP: A Global Loopback Anomaly Prevention Mechanism for Multi-Level Distributed Transactions. International Journal of Database Management Systems, Vol. 6, No. 3, pp. 85-97, June 2014.
Yousef J. Al-Houmaily. On Deferred Constraints in Distributed Database Systems. International Journal of Database Management Systems, Vol. 5, No. 6, pp. 1-16, December 2013.
Yousef J. Al-Houmaily. An Intelligent Adaptive Participant's Presumption Protocol for Atomic Commitment in Distributed Databases. International Journal of Intelligent Information and Database Systems, Vol. 7, No. 3, pp. 242–277, 2013.
Yousef J. Al-Houmaily. Atomic Commit Protocols, their Integration, and their Optimisations in Distributed Database Systems. International Journal of Intelligent Information and Database Systems, Vol. 4, No. 4, pp. 373–412, 2010.
Yousef J. Al-Houmaily. Schemes for Atomicity in Heterogeneous Database Environments. Applied Computing & Informatics - The Saudi Computer Journal, Vol. 7, No. 2, pp. 31-62, 2009.
Yousef J. Al-Houmaily. Incompatibility Dimensions and Integration of Atomic Commit Protocols. International Arab Journal of Information Technology, Vol. 5, No. 4, pp. 381-392, October 2008.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. An Atomic Commit Protocol for Gigabit-Networked Distributed Databases. Journal of Systems Architecture, The EUROMICRO Journal, Vol. 46, No. 9, pp. 809-833, June 2000.
Yousef J. Al-Houmaily and George Samaras. Two-Phase Commit. In Encyclopedia of Database Systems, Ling Liu and M. Tamer Özsu, eds., Springer, 2009.
Yousef J. Al-Houmaily and George Samaras. Three-Phase Commit. In Encyclopedia of Database Systems, Ling Liu and M. Tamer Özsu, eds., Springer, 2009.
Panos K. Chrysanthis, George Samaras and Yousef J. Al-Houmaily. Recovery and Performance of Atomic Commit Processing in Distributed Database Systems. In Recovery Mechanisms in Database Systems, V. Kumar and M. Hsu, eds., pp. 370-416, Printice Hall, 1998.
Yousef J. Al-Houmaily. On Interoperating Incompatible Atomic Commit Protocols in Distributed Databases. Proceedings of the First IEEE International Conference on Computers, Communications, and Signal Processing, Kuala Lumpur, Malaysia, November 2005.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. ML-1-2PC: An Adaptive Multi-level Atomic Commit Protocol. Proceedings of the Eighth East-Euoropean Conference on Advances of Databases and Information Systems, Budapest, Hungary, September 2004.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. 1-2PC: The One-Two Phase Atomic Commit Protocol. Proceedings of the Nineteenth ACM Annual Symposium on Applied Computing, Special Track on Database Theory, Technology, and Applications, Nicosia, Cyprus, March 2004.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. Atomicity with Incompatible Presumptions. Proceedings of the Eighteenth ACM Symposium on Principles of Database Systems, pp. 306-315, Philadelphia, Pennsylvania, May 1999.
Y. J. Al-Houmaily, R. Conticello, J. Pike and P. K. Chrysanthis. Performance of Five Atomic Commit Protocols in Gigabit-Networked Database Systems. Proceedings of the Eleventh ISCA International Conference on Parallel and Distributed Computing Systems, pp. 29-36, Chicago, Illinois, September 1998.
Yousef J. Al-Houmaily. Atomicity of Global Transactions in Multidatabase Systems. Proceedings of the Symposium on Computer Networking and Distributed Databases, pp. 211-221, Riyadh, Saudi Arabia, March 1998.
Yousef J. Al-Houmaily, Panos K. Chrysanthis and Steven P. Levitan. An Argument in Favor of the Presumed Commit Protocol. Proceedings of the Thirteenth IEEE International Conference on Data Engineering, pp. 255-265, Birmingham, U. K, April 1997.
Yousef J. Al-Houmaily, Panos K. Chrysanthis and Steven P. Levitan. Enhancing the Performance of Presumed Commit Protocol. Proceedings of the Twelfth ACM Annual Symposium on Applied Computing, Special Track on Database Technology, pp. 131-133, San Jose, March 1997.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. In Search for an efficient Real-Time Atomic Commit Protocol. Proceedings of the Seventeenth Real-Time Systems Symposium on Work in Progress, pp. 51-54, Washington D.C., December 1996.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. The Implicit Yes-Vote Commit Protocol with Delegation of Commitment. Proceedings of the Ninth ISCA International Conference on Parallel and Distributed Computing Systems, pp. 804-810, Dijon, France, September 1996.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. Dealing with Incompatible Presumptions of Commit Protocols in Multidatabase Systems. Proceedings of the Eleventh ACM Annual Symposium on Applied Computing, Special Track on Database Technology, pp. 186-195, Philadelphia, Pennsylvania, February 1996.
Yousef J. Al-Houmaily and Panos K. Chrysanthis. Two-Phase Commit in Gigabit-Networked Distributed Databases. Proceedings of the Eighth ISCA International Conference on Parallel and Distributed Computing Systems, pp. 554-560, Orlando, Florida, September 1995.
Yousef J. Al-Houmaily, Robert Conticello, and Panos K. Chrysanthis. Performance of Atomic Commit Protocols in Gigabit-Networked Database Systems. CS Technical Report 97-15, University of Pittsburgh, 1997.
Yousef J. Al-Houmaily, Steven P. Levitan and Panos K. Chrysanthis. Commit Processing in Distributed, Heterogeneous and Multidatabase Systems. Fifth Annual Graduate Research Review, Electrical Engineering Department, University of Pittsburgh, April 1996.


0 et et l' IoT Industriel. 6 advanced Kepware' s industry- leading connectivity solution. MatrikonOPC is a charter member of the OPC Foundation has demonstrated a commitment to developing OPC as the industrial connectivity standard. Name & Date: File Name: Description: Echelon OPC DAServer Datasheet: Echelon OPCServer datasheet_.
KEPServerEX supports the OPC Unified Architecture ( OPC UA) specification OPC Alarms , many of the OPC Classic specifications, including OPC Data Access ( OPC DA), Events ( OPC AE) OPC Historical Data Access ( OPC HDA). 6 accelerates your digital transformation through Fanuc Focas Ethernet driver updates and a new EUROMAP 63 driver. 86KB: 기존 LNSDDE Server의 Upgrade 미진으로 인하여 문제점을 해결한 OPC DA Server 입니다. KEPServerEX enables users to connect control diverse automation devices , monitor, manage software applications through a single- server interface.
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This page draws together all the information we have on freely available OPC servers. Free downloads are available. 只要文件主机支持SSH协定, 你就可以安心的下载、 上传文件. Kepware' s software solutions for the Industrial Automation Industry bridge the communication gap between diverse hardware and software applications. IPhone的用户对它应该非常熟悉 经典的BSD System+ OpenSSH后就可以轻松杀入文件系统 WinSCP 是一个支持SSH( Secure SHell) 的SCP( Secure CoPy) 文件传输软件. KEPServerEX also supports communications diagnostics to capture the protocol frames transferred between the server and any device.
KEPServerEX isolates device application communications for troubleshooting, offering OPC diagnostics for real- time historical views of OPC events. Learn how to activate your KEPServerEX Version 6 license both online and offline in just under six minutes. Each OPC Server from MatrikonOPC has built- in OPC Security and Redundancy. Kepware, leader en solutions de serveur de communication OPC pour l' industrie 4.
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The Bible teaches us a baseline standard for giving: Leviticus 27:30 "'A tithe of everything from the land, whether grain from the soil or fruit from the trees, belongs to the Lord; it is holy to the Lord.
When we give the first 10% of our income to the church, we put God first in our lives. Tithing is an act of worship that expresses our gratitude, faith, and love for others.


text:
/**
 * Management classes for runtime endpoint monitoring and management.
  */
package flex.management.runtime.messaging.endpoints;

redpajama_set_name: RedPajamaGithub


text:
Air Transportation Quotes
Ocean Transportation Quotes
Trucking Quotes
Air and Ocean Carrier Schedules
On-Line Cargo Booking
Cargo Tracking
7 — reading number 7 indicates ill-luck in the near future.
HomeUncategorized7 — reading number 7 indicates ill-luck...
The king of hearts represents a strong individual that has come as a direct. 3) The Astrological Spread: – This disperse, as its name suggests is based upon the fundamentals of astrology. 12 readings are put in places representing the 12 astrological houses. Justice.
You have to seek his help in order to benefit from his wisdom. Every reading is translated with in the circumstance of the person residence. Can there be hope of fnding love in the future? Queen — The queen of Hearts represents a fair and just person, who is trustworthy and loyal. This may take somewhat more time to find out for the beginner but any one using the understanding of astrology will get the principle simple.
This reading represent the law of karma, what you sow you will reap, justice will be served. You have to keep her in your own life in any way costs. The Celtic Cross Spread along with the Astrological Spread collectively offer an extremely comprehensive and in depth comprehension of this questioner's position and there by help in determining a plan of action. This reading points to any sort of decision-making using a fair outcome, honesty, integrity and balance are important.
Jack — The jack of Hearts represents a seeker's friend or somebody who is close to the seeker. But, an indepth evaluation of all of the Spreads and precise methodology used for divination using psychics is beyond the scope of this treatise. You may be making some adjustments seeking to find balance in your life. It could be the inquirer's dear friend or relative, whose aims are to encourage the seeker. Conclusion. You're concerned about doing what is right and act responsibly. 10 — This reading attracts good luck and has the capability to decrease the negativity of those undesirable readings round it.
9 — Number 9 is also called the "Wish reading". psychic. All activities will return to you in the end. The reading represents harmony.
Cartomancy or fortune telling by readings, especially psychic (pronounced Ta-row) has assisted guy in this pursuit by adopting understanding that's beyond the domain of five senses. In a connection this reading may signify its time to create a decision to where the connection is headed, any sort of arrangements are in order to regain balance . If adverse readings surround this number, the inquirer may need to take care of obstacles for his fantasies to be fulfilled. The insatiable curiosity of his power of thought and speculation haven't been keenly exercised than in their own attempt to penetrate the barriers which separate the world of fact from the mysterious kingdom of the supernatural, and to have himself of its own secrets.
In matters of work that this reading often predicts legal matters, you may be going seeking advice or court but the outcome will be fair. 8 — The reading represents an occasion of great significance that's likely to take place in the near future. Cartomancy or fortune telling by readings, especially psychic (pronounced Ta-row) has assisted guy in this pursuit by adopting understanding that's beyond the domain of five senses. Your Secondly reading. In the event the reading is read with other readings that are favorable, the result is likely to be favorable or vice versa. 7 — Number 7 signifies betrayal and disappointment.
Will the new fan be similar to previous lovers? Even as a child, I was fascinated by magic and mysterious items. If you are thinking about a business venture, there's a possibility that your spouse might abandon the project at the last minute.
Things are great and you feel pleased with the results of the situation, you got everything you've wanted and you are feeling great. My mom was able to see our tea leaves to get pleasure and that I was always intrigued by the way the couple leaves bunched together could tell a lot about someone. 6 — The reading warns that the seeker of hardship or a poor event that's likely to take place later on. Fantastic health and material success, the future seems bright. As soon as I discovered psychic in age 12 following my sister brought home some readings, I was instantly hooked. Consequently, it is also referred to as the "Warning reading". You have great self-confidence and revel in the finer things in life right now.
I'm 49, and I browse the readings daily. This reading presides over the life span of the priest. 5 — 5 Number 5 signifies indecisiveness of this seeker.
Romantic relationships are going well and are satisfying, even though there may lack some depth to your connection. Many people today refer to psychic reading as fortune telling, however, that I consider them as an instrument to celestial information regarding someone 's circumstances. It could also mean that the seeker is likely to break or create plans for your future together with his immediate friends. Judgement.
All these are the ones that you always see in films right before something ominous is going to occur, and that's why the readings occasionally get a bad rap. 4 — This reading is referred to as the bachelor or old maid reading. Your reading.
There's no reason to dread getting your readings . It represents the nature of the priest, who is being too picky or wary. 3 — Number 3 represents the decisions which are likely to be made in haste. Will the connection feel safe and secure? A respectable reader isn'will tell you that anybody will expire or that you've got a curse put upon you — which 's a scam. This is also a warning reading which rules the brain. 2 — The number two reading represents success.
The greatest decision, you'll need to take whole responsibility for your actions, the fact is out and you also see things clearly. In an honest psychic reading, the readings which are pulled along with the way that they are distributed will produce a exceptional message your reader will translate. If negative readings have been picked with this reading, the seeker will attain success after much effort. A reawakening that force you into a personal stock; examine your self and your patterns closely, what you want to modify.
I discovered by reading books and getting my readings read. Diamonds. If you're only it might be a good idea to look at your own fault in why you're not in the position you want to maintain. This was, needless to say, way ahead of the web. Ace — The ace of Diamond indicates a significant information anticipating the seeker.
In matters of work you want to make a decision if your job would be well worth the trouble or if its time to move on. I practiced friends and family members, originally reading in the "LWB," (small white book) which includes the readings. It could be a letter or package containing a vital message.
The High Priestess. It's much like learning another language. King — The king of Diamonds represents an evil and dangerous individual. Your reading. Finally you reach a place where the readings only appear to speak to you. The seeker should keep him at a distance. Will there be commitment from the relationship?
You create a connection with them. Prevent her. The high priestess is in total connection with her higher self free psychic reading and subconscious mind, which makes her a puzzle to the outside world. I began reading professionally at the 1990s. Jack — The Jack of Diamonds is a harbinger of bad news.
Her truth and knowledge comes from inside and beneath the surface. I'm a freelance author, which can be a solitary profession, therefore studying readings enables me to associate with individuals. 10 — This reading indicates fiscal rewards for the seeker.
9 — Number 9 is called the reading of experience and hope. This reading tells advice you to follow your inner voice and your feelings rather than what other people might say or think. In the beginning, I started out doing personal readings and a couple of parties, but it wasn't before the previous five decades so when I actually decided that this was my calling.
8 — Indicates traveling and marriage later on. 7 — reading number 7 indicates ill-luck in the near future. You know what is ideal for you since you will feel it, feel it; let your intuition guide you.
I really do much more psychic and less writing. 6 — Early and unhappy marriage is indicated by reading number 6. This reading often represents a psychic girl who's in relation to the spirit world and higher self. I understand that if I tell folks I'm a reader, the very first thing that they think of is your stereotype: A neon sign that states "Fortunes Told," a glistening crystal ball on the desk, and somebody telling them that they could get rid of a hex for an additional $50. 4 — reading number 4 indicates unnecessary and unwanted troubles involving the priest and his family members.
3 — Indicates problems such as lawsuits and legal actions in the coming future. This is a reading of not one activity and inner knowledge, retreat, meditation, spiritual development, seeking information on a higher degree. But that's not the way I function.
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redpajama_set_name: RedPajamaCommonCrawl


Mass of Thanksgiving for two Amazing Women!
Thank you Jeanine Rocchi for 35 years of service to St. Celestine and Julie McGuire, Class of 66, for 10 years of service to St. Celestine.
You both have truly made an impact on this place and all the people your hearts have touched.
We look forward to more retirement celebrations with you in the upcoming weeks.


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TS Eliot's quirky cats that became a global sensation
Nicole Scherzinger as Grizabella in Cats at The London Palladium in 2014 Credit: Alastair Muir/Rex
Old Deuteronomy, Rum Tum Tugger, Mungojerrie and Rumpleteazer. These beguilingly named felines are probably best known sporting fluffy leg warmers and striped face paint as the stars of Andrew Lloyd Webber's globally popular, £1.7 billion-grossing musical Cats, which began its first run in 1981. But the original characters first stretched their claws in 1939, in Old Possum's Book of Practical Cats by the great modernist poet T S Eliot.
On Christmas Day, Radio 4 will broadcast Jeremy Irons reading all 15 poems from the original book. Five of the Practical Cats poems were read on radio at Christmas by Geoffrey Tandy in 1973, so this is a tradition, of sorts.
But what are these quirky little cat poems, so incongruous when read alongside the rest of Eliot's rich, unsettling and mournful work? A set
Jeremy Irons will read Old Possum's Book of Practical Cats by TS Elliot for Radio 4 listeners Credit: Richard Ansett/BBC
of surreal and comic light verse about different cats and their personalities, originally they were written with the poet's godchildren in mind (by whom Eliot was affectionately nicknamed
Old Possum).
The creative establishment almost immediately took them to heart. Editions were published with illustrations first by Eliot himself, and then by Edward Gorey. The composers Alan Rawsthorne and Humphrey Searle separately composed detailed accompanying musical pieces.
It was 40 years before Andrew Lloyd Webber put his own tunes to them.
Elaine Page in the 1981 production of Cats Credit: Donald Cooper/Rex
Like a cat commandeering a sunny spot on the sofa, the poems have set up home at the heart of literary culture. Even if you've never read one, you'll recognise their distinctive style. A combination of skittering, irregular line rhythms and perfectly paired end rhymes makes the poems complex and unusual in structure, while retaining the familiar feel of a nursery rhyme. And their pairing of whimsical fantasy and astute observation of how real cats behave is designed to delight children and adults alike:
"The Rum Tum Tugger is a terrible bore:
When you let him in, then he wants to be out;
He's always on the wrong side of every door."
The names of the Practical Cats are other-worldly and trip off the tongue: there's Mr Mistoffelees ("the original conjuring cat"), Macavity ("the mystery cat"), and Bustopher Jones ("the cat about town"). The very fact that they exist is a cause to celebrate eccentricity in poetry, and in the British character. Though Eliot was born in America, he emigrated to London at the age of 25 and renounced his American citizenship in 1927. If ever there were any doubts about his Britishness, the Practical Cats should assuage them.
The Andrew Lloyd Webber musical Cats, based on TS Elliot's Old Possum's Book of Practical Cats, returned to the West End in 2014 Credit: Daniel Wooller/Rex
Cats have lightened the mood in literature for centuries. The 18th-century poet Christopher Smart wrote reams of serious religious verse, but is best known for a paean to his cat, Jeoffry. There is more than a hint of Eliot's cat poems in Smart, especially in Smart's joyous line: "For he can spraggle upon waggle at the word of command."
Eliot's Practical Cats fit comfortably in the fine British tradition of nonsense literature, alongside Edward Lear and Lewis Carroll. They play with limitations of language and mix logic with humour and fantasy. Carroll also had a fondness for the literary feline, of course, with a befuddling Cheshire Cat at the heart of the Wonderland he created.
Together with their literary heritage, and most delightfully of all, Eliot's Practical Cats suggests that anyone can write a po-faced poem about love or death. But to be funny, light-hearted, eccentric and lovable – well, that's true genius. It's a good thing to remember at Christmas.
Old Possums Books of Practical Cats is on Radio 4 on Christmas Day at 8.30am and 12.15pm


text:
EU Slows Turkey's Membership Talks
BRUSSELS, Belgium (Associated Press)–European Union leaders formally endorsed the decision to partially freeze Turkey's membership talks at a summit Thursday that focused on how quickly and how far the bloc should expand. European Commission President Jose Manuel Barroso said all 25 leaders "support the decision unanimously" to slow down talks with Turkey over its refusal to honor a pact to open its ports and airports to EU member Cyprus. The leaders reiterated that Turkey and other EU hopefuls must comply with EU membership criteria signaling that two years after taking in 10 new, mostly eastern European members, the path to the European Union will become considerably tougher. Cyprus has been divided since Turkey invaded in 1974 following a failed coup staged by supporters of union with Greece. Ankara is the only government to recognize the Turkish Cypriot state, but it does not recognize the Greek Cypriot government in the south that led the island into the EU in 2004. With Romania and Bulgaria joining the EU in January, bringing the bloc to 27, many others are questioning whether it's time to shut the door. Some fear expansion will dilute old members' influence, and let in too much cheap labor that would cost people in affluent countries jobs, undercut their wages and threaten their cherished social welfare. Other nations, led by Britain, Sweden and Poland, insist the EU must welcome aspiring members. In a draft summit statement, the leaders make it clear that aspiring members Turkey as well as a half-dozen western Balkan nations must meet the EU's political and economic criteria for membership if they want to join the bloc. "I see a new consensus on enlargement emerging. We understand the need to combine a strategic vision of enlargement … with our capacity to integrate, with the capacity of the EU to act, so that the EU is not weakened by further enlargement but strengthened," Barroso said, adding that the EU must not allow the lowering of standards.


First published in the USA to widespread critical acclaim last year, The Good Son, now available in the UK, is as fine a sporting biography as you will ever read.
The background to Ray Mancini's compelling story is widely known: third generation immigrant of Italian descent who got the opportunity to fight for a world title, an opportunity denied his father after he was drafted during World War II.
At Caesar's Palace in November 1982, 'Boom Boom' Mancini was on the cusp of claiming a place in boxing's history books as he prepared to fight for the WBA lightweight title. History was indeed made that night, but for all the wrong reasons.
Mancini's opponent was a little-known Korean, Duk Koo Kim, a boxer who entered the ring boasting an impressive 17-1-1 record.
Many fights are described as brutal, but the Mancini-Kim contest bordered on the savage as each man launched ferocious, remorseless attacks, drawing upon their deepest reserves of strength, spirit and ultimately, their very soul.
Mark Kriegel's build-up to this merciless conflict is undertaken at a pace which accommodates sufficient colour and allows him to leaven the biography with engaging anecdotes and asides, so adding depth to his masterful portrait.
Having beaten each other to a virtual standstill, by the 14th round, with each man bruised and bloodied, the fight's ferocity intensified as both searched for the knock-out punch. Mancini landed it, hitting Kim so hard his head bounced when it landed on the canvas. The referee stopped the fight, declaring Mancini the victor by a technical knock-out as Kim was lifted onto a stretcher and taken from the ring.
Doctors tried to save Kim's life, but brain surgery proved futile. The hospital waited until Kim's mother arrived from Korea before turning off his life support machine. Three months later, Mrs Kim committed suicide; in July 1983, the fight's referee, Richard Green, would also take his own life.
The aftermath of the contest would live with Mancini, but this complex American emerges as a thoroughly decent guy. Boxing learnt too. In the wake of Kim's death, pre- and post-fight medical care was dramatically improved and title fights were reduced in length from 15 to 12 rounds. Discovering why this happened is often a harrowing experience, but ultimately an extremely rewarding one.


This was a tricky one. I came across pyroluria from time to time in my research into my poor health. I always ticked a lot of boxes on checklists. But how can you know for sure, right? Sometime in the summer of 2014 I started to feel really poorly. I thought it was vitamin D deficiency, so I concentrated on that and it helped a bit. In the start of 2015 I again came across pyroluria and decided to investigate that further. But when you know very little about it, sites are hard to read. They're usually not very specific about how to go about it (in fear of giving wrong recommendations?). I also noticed some controversy: some recommended high zinc and B6, some didn't.
One that doesn't recommend high zinc and B6 for pyroluria is Dr Wilson. He says that you have to find the cause of the pyroluria and treat that. Makes sense. He found in his practice that pyroluria was caused by copper overload. Now, zinc and B6 both are copper antagonists so that also makes sense.
I did come across Dr Wilson's site early on in my investigation, but I couldn't understand it then. So I went with sites I did understand and started high zinc (100 – 150 mg) and B6 (100 mg p5p and 200 mg B6). The first week I did this I felt great, I mean: amazing! I was sure I was on to something here. But soon that wonderful feeling turned into a wired feeling. Rapid heart beat, high blood pressure (190/96 first thing in the morning), heart palpitations, anxiety, paranoid thoughts, short temper, fatigued though wired, insomnia, ….) At first I thought it was the zinc helping my thyroid and making my Thiroyd obsolete so I stopped taking that. But even after a week or so the symptoms didn't subside. If anything, they got worse.
So back to the drawing board…. I remembered what Dr Wilson had said on his site and tried to really understand this time. By that time I had also been experimenting to find out what made the wiredness worse and what relieved it. Basically anything that revs up my metabolism makes it worse for instance eating high carb. Also any copper antagonist makes it worse: vitamin C, B6, zinc. Even my beloved liver support and digestive enzymes made it worse. Things that made it better were NAC, TMG, glutathione (mornings on empty stomach), molybdenum, magnesium taurate, MSM. Especially my reaction to zinc surprised me: it is in itself a calming mineral.
My copper toxicity makes taking zinc and B6 a hazardous thing. I am deficient in both but as soon as I try to take them in higher amounts they cause a copper dump. And I can take a lot but living with the symptoms of a copper dump is just asking too much.
See Copper for my nutritional and supplemental approach.
http://www.hputest.nl/ewhat.htm Zinc is required for the conversion of PN to its active form p5p .
I was very zinc deficient. At some point in the beginning I took my p5p (100 mg) and PN (200 mg) in the morning and my zinc in the evening because some people wrote that zinc calmed them down. But the zinc kept me up at night. So I started taking it at 15:00, but even then I couldn't sleep from being so wired and angry. This was most probably caused by the zinc converting the 200 mg of PN into p5p, releasing a lot of B6 into my system which dislodged a lot of copper.
So I stopped taking the PN and now take (june 14th 2015) only the p5p form (100 mg). I take zinc with breakfast (100 mg picolinate), then p5p at 10:00 and 12:00, then zinc again at supper (100 mg glycinate). I'm not going to do these high zinc dosages for a long time, but I'm just so depleted. My wired feeling and the resentment hasn't disappeared altogether, but that's impossible anyway. But it's so much better that I can tolerate it.
The problem with copper toxicity is that you become low in zinc and B6 because of it, but taking either releases copper from your tissues into your bloodstream making you feel wired and resentful.
That is why dr Wilson says not to take supplements, but to make dietary changes that provide you with all necessary nutrients to reverse copper toxicity.
When I don't take zinc and B6 though I feel horribly tired and depressed and …. well just horrible. So I do take supplements.
http://www.hputest.nl/ewhat.htm Pyridoxal-5-phosphate plays an important role in the formation of niacinamide (sometimes called vitamin B3) from tryptophan, and also picolinic acid from tryptophan. Zinc is required for the conversion of pyridoxine to pyridoxal-5-phosphate. Picolinic acid plays a role in the uptake of minerals like zinc, chromium, manganese and magnesium. Here an important downward spiral starts.
This means that if you have B6 deficiency, you are going to be low in niacinamide, picolinic acid and other metabolites of tryptophan. Being low in niacinamide gives you depression among other things. Being low in picolinic acid makes you absorb minerals like zinc, chromium, manganese and magnesium poorly. So you'll be left with a deficiency in them too.
Taking your minerals in the picolinate form can overcome this hurdle until your B6 levels are back up.
http://www.hputest.nl/ewhat.htm Tension, anxiety and depression in adult HPU patients are caused by the secondary deficiency of vitamin B3 (niacinamide).
So you'd be wise to add niacinamide to your program.
http://www.hputest.nl/ewhat.htm Low levels of vitamin B3 are closely linked with high cholesterol and low levels of high density lipoprotein (HDL) cholesterol. Cardiovascular disease is commonly in family's with HPU.
I found this regimen very helpful, although I do it slightly different (mine is at the bottom).
http://www.westonaprice.org/health-topics/precious-yet-perilous/ Concerning PUFA's (poly unsatureated fats), more specifically Arachidonic acid (an omega-6 fat).
Ray Peats says that you really don't need to take PUFA's because they only cause inflammation if you take too much. Since the body only requires tiny amounts, you can easily take too much which can result in things like rheumatism and high blood pressure and so on. He writes that research shows that any PUFA deficiency is really a B6 deficiency. Well, there you have the problem: when you're copper toxic, you're going to be extremely low in B6!
So us B6 deprived people are going to be PUFA deficient, assuming we don't eat much of them. Since taking evening primrose oil my skin is far less dry, I was definitely deficient in Arachidonic acid. But I have to remember that when I fix my B6 deficiency, I should stop the evening primrose oil, because it is going to become a hazard to my heath in stead of a blessing!
Now that is interesting! Pity they don't write what exactly is a "high dose".
When your body starts dumping copper from your tissues because the detox pathways are open again, that copper is going to go into your bloodstream. Apparently, all you need is some vitamin C to make that copper bio available again so your body can use it.
This solves a problem that copper toxic people have: there is too much copper in the body but at the same time it's not bio available. You have all the agony but none of the benefits of the copper. Some people therefore recommend actually taking some copper (either in food or as a supplement) to offset that copper deficiency. But why not use the copper that's coming out of your tissues instead by adding vitamin C?


What is value? And what's the purpose of economic activity? Recent books by Mariana Mazzucato and Kate Raworth have put these fundamental questions in the spotlight.
A cynic, Oscar Wilde wrote, is someone 'who knows the price of everything and the value of nothing.' In her latest book, The Value of Everything: Making and Taking in the Global Economy, Mariana Mazzucato argues that, by this definition, we have all unwittingly become cynics.
For centuries, economists debated different theories of value. Some saw it as intrinsic to commodities like gold and silver. Others argued it was determined by the quantity of labour required to produce a good.
Secondly, it is philosophically inadequate: the implication of "value-equals-price" thinking is that anything you give or receive for free is valueless. This means that things like nature, community, culture and friendship — things which are not easy to monetise without undermining the intrinsic value of the good in question — are excluded from discussions of economic value. And yet these are not peripheral "externalities": they are the very essence of what sustains us and makes life worth living.
This inability to discern value creation from value extraction makes life very difficult for anyone looking to foster long-term growth. How are policy-makers and business leaders meant to decide how to allocate resources if they can't tell which activities actually create value and which don't?
Mazzucato's book is stronger on diagnosing the problem than prescribing solutions. She argues that companies should pursue 'stakeholder value' as opposed to 'shareholder value', but does not really scratch the surface in terms of what this means. She does devote a chapter to the concept of 'public value' — a term missing from most economists' lexicon. But this is largely a rehash of her previous book, The Entrepreneurial State, in which she argued that, far from being a leech on the economy, the state is a vital source of innovation and growth. Famously, she showed how practically every technology that makes an iPhone smart traces its origins to government-funded R&D.
In The Value of Everything, Mazzucato exposes instances of value extraction masquerading as value creation in the financial, pharmaceutical and technology industries. This is territory that others have covered before, but that doesn't make her critique any less devastating.
Finance is first in the firing line. Until the 1970s, net interest payments, one of the principal sources of banks' profits, were excluded from output in national accounts. Finance was seen as being about transferring existing value — a necessary activity, but not a value-creating one in its own right.
Then, thanks in no small part to financial industry lobbying, this changed. Today, the size of the financial sector relative to the whole economy is seen as an indication of how much value it creates. But this is exactly the wrong way round.
If the financial sector truly were creating (or at least facilitating the creation of) more value than it extracts, then finance's share of GDP should go down, not up. Growth in the rest of the economy should outpace finance, as other industries benefit from its "risk-taking" and "financial intermediation" services.
Next, Mazzucato takes the pharmaceutical industry to task for its use of "value-based pricing". Because their products save lives, mitigate pain and suffering, improve quality of life and, in theory, reduce overall healthcare costs, pharma executives claim they are justified in charging prices that are completely out of line with production costs and R&D expenses.
Monopoly power is at the heart of Mazzucato's critique of the tech industry, too. Network effects and first-mover advantage have combined to give companies like Alphabet, Amazon and Facebook enormous power to extract value. The mountains of data those same companies now own will — unless the current model of data ownership is successfully challenged by politicians and regulators — enable them to go on extracting monopoly rents for the foreseeable future.
So where does this leave us in terms of defining value? Ultimately, Mazzucato argues, 'the definition of value is always as much about politics, and about particular views on how society ought to be constructed, as it is about narrowly defined economics.' In short, it's impossible to answer the question "what is value?" without first answering another even more fundamental one: what sort of economy do we want?
This is where Kate Raworth — author of Doughnut Economics: Seven Ways to Think Like a 21st-Century Economist — picks up the story. 'The goal of the 21st-century economy,' she argues, 'should be to meet the needs of all within the means of the planet.' That means abandoning our obsession with GDP growth and focusing instead on a wider set of indicators that incorporate environmental and social outcomes.
Raworth portrays economic success as a circular band — 'the safe and just space for humanity'. The lower limit of this space is defined as the fulfilment of basic human needs and rights, such as health, education and shelter. The upper limit is determined by planetary boundaries.
Raworth's approach chimes with the concept of 'system value' developed by the Future-Fit Foundation. The underlying premise is the same: the economy is nested within — and reliant upon — society and the environment; impacts on people and planet are not externalities — they are the essence of what it means to create, or destroy, value.
Marginal utility theory purists will object that system value and Doughnut Economics are normative rather than descriptive: currently we live in a world where companies can externalise social and environmental impacts. But, pace Mazzucato, this is a political choice, not an immutable economic fact.
Economics is a tool to build the future we want, not a science to describe the reality we endure.
There's still a long way to go, but it's not too hard to see the stirrings of a paradigm shift here. More than a century on from the intellectual revolution that made "value-equals-price" thinking mainstream, an inversion of that particular paradigm is long overdue.
To develop a political agenda that focuses on ensuring that regulations and taxes incentivise system value creation.
Project Breakthrough Lead @ Volans. Fascinated by the future of business, sustainability, politics and history.


text:
Q: Least number of comparing in sorting I have 32 rabbits all with different weight, and I want to sort them by weight. I can use a weight which weigh 2 rabbits per time and tells me which rabbit is lighter. What's the least number of comparisons I need to sort all rabbits, and with which algorithm?
For example,if I use quicksort, I need to do 32*32(n^2 for worst case) comparisons which is probably not the algorithm with least comparison for this question.

A: I may not remember correctly how quicksort works, but here is what I would do:
Take pairs of values, and sort them in order (1-2, 3-4, etc). This creates 16 "short sorted queues". Now compare, for neighboring queues, the top elements; then the "one from the top" with the remaining top; keep working your way down the list. This takes at most 3 comparisons. Repeat for the other pairs; total so far = 8 + 4*3 = 20
By the same token, we now have 4 sets of 4 sorted rabbits, which we sort in at most 7 steps each into two sets of eight, for another 14; then 2 sets of eight, which we sort in 15. Total number: 8+12+14+15 = 49.
Showing for just four (same principle):
Assume we have rabbits ABCD, in descending weight order (we don't know that... We want them in ascending order). Algorithm:
Compare A and B - now BA
Compare C and D - now DC
Compare BD - D is lightest, goes to front of the line
Compare BC - C is lighter, next in line
Now put B ( already know it is lighter than A) and finally A
As you can see there were a total of 4 comparisons...

redpajama_set_name: RedPajamaStackExchange


Unlike most good boaters we have not completed the Leicester Ring of canals and rivers in one smooth journey. Instead we have completed it in parts – in a generally anticlockwise direction we have done the Norton Junction to Braunston Junction, and Braunston Junction to Fradley Junction sections several times. But we have now finally completed the anticlockwise section between Fradley Junction and Norton Junction.
After celebrating Bob's birthday in Loughborough, we headed south towards Leicester, which involves sections of both the River Soar and canal making up the Leicester Navigation. We have really enjoyed the rural parts of the Soar and were surprised by how picturesque it all was. Arriving in Leicester is slightly different, but there is still enough rurality about the Watermead Country Park and various gardens to camouflage the buildings, graffiti and polluted waterway.
However we had convenient moorings at Friars Mill with close proximity to the city's shopping district and very good security. Shame about the pigeon invasion and construction works nearby!!!! Despite warnings from other boaters that the southern section of Leicester should be traversed as quickly as possible, we found it rather beautiful. But we had carefully chosen to leave on a Monday morning rather than travelling over a weekend – a mistake we did not care to repeat from an earlier experience with bored youth using Celtic Maid as target practice for their rock throwing!!
We were fortunate in finding a couple of lovely rural moorings between Leicester and Market Harborough, where we would have liked to tarry had we not set our sights on tackling the Rivers Nene and Great Ouse this summer.
On arrival in Market Harborough we found secure moorings and then left to visit Julie and Phil in Essex. A couple of factors led to us staying there a few days longer than anticipated but we had an enjoyable catch-up and returned to find Celtic Maid waiting for us – although in great need of a good wash as a result of being moored under trees for a week!
Upon leaving Market Harborough we rejoined the Grand Union Canal and tackled the Foxton Locks. These consist of two staircases of 5 locks each and take about an hour to get through. Because of the complexity in water management there are Canal and River Trust volunteers on hand to assist, making sure that no-one starts at the other end when boats are already on the flight (there is nowhere to pass), and that the water is managed safely. We did have to wait about an hour and a half for 6 boats to descend before we could start our ascen,t but the ice cream at the top was well worth the wait. This is a popular spot for visitors and on a beautiful day like we had, the towpath was full of gongoozlers.
The last section before we reached the end of the Leicester Ring involved 2 tunnels of less than a mile each which were achieved without incident, thankfully, although one oncoming canal boat was fitted with headlights that would do an Aussie spotlighter proud – but blinded Bob! We did do a detour down the Welford Arm to meet up with friends Jane and Tim (who are Norfolk Broads boating friends of Julie and Phil) in the historic Wharf Inn. A great night was had by all and we were thankful that they were able to catch up with us.
We had been in frequent contact during this time with Jane and Michael from NB Moody Blues, hoping to catch up with them before they got too far ahead of us on the River Nene. Luck was on our side – if not theirs – and they were delayed slightly in Braunston for some repair work but arrived at Norton Junction just as we were about to head down the Buckby Lock Flight. After a brief chat, NB Sylph and NB Celtic Maid headed on and they caught up with us the next day at a great mooring near Weedon Bec. This gave us time to stop off at Whilton to get new brighter interior lights for Celtic Maid and lots of plants for Sylph. Happiness all round!!!!
Once NB Moody Blues caught up with us we celebrated Australian Mother's Day with a picnic party on the towpath in the sun – just the loveliest day.
Our last leg of this journey was to descend the 17 locks into Northampton before locking down onto the River Nene for our next big adventure. This was achieved in rather efficient time with only a few scary moments when the water from the pond above the lock that Bron was skippering Celtic Maid through, started flooding over the top gates. Some rather loud shouting alerted Bob to the requirement to shut down the lock above and let us progress a couple of locks ahead to save a repeat performance. All safe and well in the end.
Once in Northampton the three men took a day to retrieve Jim and Chris's car while their wives worked diligently on their respective boats and avoided the deluge that fell from the sky. A planned women only lunch was postponed to another time. Of more importance was getting our laptop back in action following a Windows failure a few days before. It seems we have had some success in this and have lots of body parts crossed to avoid a repeat performance.
After stocking up and cleaning up we were ready by the 19th May to venture onto the River Nene – NB Moody Blues had set off the previous day as forward scouts. Let the adventure begin…..


text:
package NinethDotTypeLiteralBindings.internal;

import com.google.inject.AbstractModule;
import com.google.inject.TypeLiteral;
import com.google.inject.name.Names;

import java.util.function.Function;

public class TypeLiteralBindingsModule extends AbstractModule {

    @Override
    protected void configure() {
        bind(new TypeLiteral<Function<String, String>>(){})
                .annotatedWith(Names.named("tryme"))
                .to(ExampleFunction.class);
    }
}


this is a sterling silver travelling spirit burner. It is a sterling silver box, with hinged lid complete with brass fitted interior used to heat ladies hair curling irons.
The curling device rested on a pair of folding supports and the iron was made hot by the spirit flame.
The silver box is decorated with a monogram (not identified) and is fully hallmarked for Birmingham 1892. The maker is Horton & Allday (1891 - 1933). In these images it is accompanied with a hair curling iron made by Mulholland Bros Inc. - Aurora, IL, active between 1915 and 1932.
The spirit burner measures 3,5 in. (cm. 9) and was bought from an Australian dealer through the Internet.


text:
Despite Poor Record, Westchester Looks To Leader To Keep Going
By By Benjamin Vogel | May 07, 2015
If you are ever having a bad day, be grateful you are not the Westchester Wolverine soccer team.
After losing their first six games and starting goalie, the team is lost, finding comfort in the cellar in the Eastern Division. With a goal differential of -42 and opponents scoring, on average, 7
Ruth Wisse to Deliver Keynote at Yeshiva University Commencement
By By JLBWC Staff | May 07, 2015
New York, NY—Dr. Ruth Wisse, Yiddish scholar and literary and social critic, will deliver the keynote address at Yeshiva University's 84th Commencement Ceremony on Sunday, May 17, 2015 at 12 p.m. at the Prudential Center in Newark, NJ. YU President Richard M. Joel will confer honorary doctorates upon Peter Frates and Martin Greenfield.
Chabad of Riverdale Plans an Action-Packed Shavuot
By by Tamar Weinberg | May 07, 2015
Jews often pull all nighters on the first night of Shavuot. For Chabad of Riverdale members, this upcoming Shavuot is no different. Starting on Sunday, May 24th, Chabad of Riverdale is hosting Rabbi Asher Crispe, a highly knowledgeable technology expert and media aficionado, who will speak about emerging developments in science and
What Is Your Beloved From All Other Beloveds? Early Thoughts on the Passing of R. Aharon Lichtenstein z"l
By By Rabbi Gidon Rothstein | April 23, 2015
R. Soloveitchik z"l (the teacher and father-in-law of mori ve-rabi R. Lichtenstein z"l) used those words from the fifth chapter of Shir haShirim to eulogize his uncle, R. Yitzchak Ze'ev Soloveitchik, a play on Tanach's using dod, more commonly translated as uncle, as the word for beloved. But in that Biblical
Engel: Congress Must Play Role in Iran Negotiations
By By Phil Jacobs | April 23, 2015
Riverdale—For Rep. Eliot L. Engel (D-16-NY), last week's unanimous passing of the Senate Foreign Relations Committee's Iran Nuclear Agreement Review Act of 2015, was exactly the measured signal he wanted to send to Iran.
The bill, co-authored by panel chairman Senator Bob Corker (R-Tenn.) and New
Witness Theater at SAR High School
By By Avi Siegal | April 23, 2015
"What if it's too painful?"
"Inge, you're not in this alone. We all have each other."
"And you have us. Let us help you remember."
Dr. Paul Romer to Deliver Alexander Brody Memorial Lecture at YU
By By JLBWC Staff | April 23, 2015
New York, NY—Dr. Paul Romer, founding director of the New York University Stern Urbanization Project and director of the Marron Institute of Urban Management, will deliver the annual Alexander Brody Distinguished Lecture in Economics at Yeshiva University on Tuesday, April 28 at 7:30 p.m. The event, entitled "The Power of the
Shin Bet Thwarted Hamas Terror Plot on Purim
By By Tazpit News Agency | April 23, 2015
The Shin Bet has reported that Israeli forces thwarted a terror plot by a Hamas cell, in a joint operation together with the IDF and Israeli police. The cell was planning to execute the attack on Israeli soldiers in the Abu Dis area, during the Purim holiday in March this year.
The cell was
Riverdale Farmer's Market to Open on May 10
By By Tamar Weinberg | April 23, 2015
The popular Riverdale YM-YWHA Farmer's Market begins its spring/summer season on May 10 and will continue meeting weekly until November 26.
The Farmer's Market supports sustainable agricultural practices and includes a variety of kosher and non-kosher foods, as well as organic and/or local food. Vendors include Dines Farm, Concklin Farms, Wright
Dorit Gur's Paintings at Stamford JCC
Israeli artist Dorit Gur is currently having a showing of her colorful, intense Jewish-themed paintings at the Stamford JCC, located at 1033 Newfield Avenue. Works are on display from April 23 to May 30. A special wine and cheese reception will be held with the artist on Thursday, April 30th, at 6:30pm. All are invited to come
Sadkhin Method for Weight Loss Opens New Rochelle Office
The Sadkhin Complex is now offering its innovative weight-loss program with a second office in New Rochelle. With the Sadkhin method, weight loss is achieved through acupressure, with a focus on 16 hunger-control points behind the ears. Metal balls are placed at precise pressure points, helping reduce hunger. The program is all natural,
Serving God by Serving Country
By By Teddy Weinberger | April 23, 2015
My youngest child, Elie, (20) was recently inducted into the IDF. Elie is now doing basic training in an elite combat unit of the paratroopers known as Maglan (Ibis). For the previous two and a half years Elie was in the Yeshivah of Upper Nazareth. Yes, it turns out that of our five children, our most religious and spiritual child
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Walking through a landscape, I am constantly attracted to the remains of the germination process found on the ground: seed pods, leaves, branches. Over years I have collected and stored them in an antique seed cabinet. Taking cues from the materials themselves, I combine them in such a way that you might question if they occurred naturally or were finessed. The process is organic, elements connect with each other and become distinct in their own right, intrinsically intimate, beautiful, haunting, humorous. I hope these pieces kindle an appreciation for the exquisite natural objects that surround us.


text:
Q: Get the whole console output from Symfony 5 OutputInterface I've a Symfony 5 command like this:
use Symfony\Component\Console\Input\InputInterface;
use Symfony\Component\Console\Output\OutputInterface;
use Symfony\Component\Console\Style\SymfonyStyle;

....

    protected function execute(InputInterface $input, OutputInterface $output): int
    {
        $this->input        = $input;
        $this->output       = $output;
        $this->io           = new SymfonyStyle($input, $output);
        ....
    }

This command generates A LOT of output with $this->io->caution(...), $this->io->block(....),  $this->io->text(....) and so on.
Sometimes (not always: there are some runtime conditions), at the end of the execution, I'd like to access the whole output generated by the command and then send it via email. So.... how can I get back everything that OutputInterface has shown? Is there some kind of $this->output->getBuffer()?
I'd have no problem swapping OutputInterface $output with something else (logger, maybe?) as long as I can still show everything on the stdoutput (my terminal) as I'm doing at the moment.

A: I don't think there is anything off-the-shelf that accomplish this for you. You may achieve something like this with loggers... but you would have to fiddle a lot with configuration error levels, probably inject more than one logger, the console output would never match the one by SymfonyStyle, etc.
You are better served building your own, which shouldn't be particularly difficult. Just build something that wraps/decorates SymfonyStyle; and captures output.
I'll provide the starting building blocks, it's up to you to finish the implementation:
class LoggingStyle
{
    private SymfonyStyle $style;
    private array        $logEntries = [];

    public function __construct(InputInterface $input, OutputInterface $output) {
        $this->style = new SymfonyStyle($input, $output);
    }

    private function addLog(string $type, string $message): void
    {
        $this->logEntries[] = [
            'type' => $type,
            'message' => $message,
            'time' => date('Y-m-d H:i:s')
        ];
    }

    public function flushLog():array
    {
        $log = $this->logEntries;
        $this->logEntries = [];

        return $log;
    }

    public function caution(string $message): void
    {
        $this->addLog('caution', $message);
        $this->style->caution($message);
    }

    public function text(string $message): void
    {
        $this->addLog('text', $message);
        $this->style->caution($message);
    }

    public function block(string $message): void
    {
        $this->addLog('block', $message);
        $this->style->caution($message);
    }
}

You'd need to implement every part of SymfonyStyle interface you need to use, and decide how to deal with some special behaviour, if at all (e.g. stuff like ask(), table(), or progress bars). But that would be entirely up to your implementation.
And also decide how to format each of the different output styles in your email, since there is logically no way to translate it directly.
You could use this class directly, and if you reach the point where you need the aggregated output you simply call LoggingStyle::flushLog() and get all the entries in array form, for you to process and send accordingly.


text:
Cumberland County, Maine Records
Cumberland County, Maine Courthouse Records
Cumberland County, Maine Census Records
Cumberland County, Maine Vital Records
Cumberland County, Maine Resources
Cumberland County, Maine External Links
Cumberland County, Maine (Map It) was created on March 28, 1760 from part of York County (originally Cumberland County, Massachusetts) . This county was named in honor of Prince William Augustus, Duke of Cumberland, son of George II of Great Britain.
Cumberland County is bordered by Androscoggin County, Oxford County (northwest), Sagadahoc County (northeast), York County (southwest).
Cumberland County Cities and Towns include Baldwin, Bridgton, Brunswick, Cape Elizabeth, Casco, Chebeague Island, Cumberland, Falmouth, Freeport, Frye Island, Gorham, Gray, Harpswell, Harrison, Long Island, Naples, New Gloucester, North Yarmouth, Portland, Pownal, Raymond, Scarborough, Sebago, South Portland, Standish, Westbrook, Windham, Yarmouth.
MapGeeks.org has is a collection of old Maine maps.
Cumberland County, ME Courthouse
The Cumberland County Courthouse is located in Portland, Maine. Learn More About State of Maine Court, Tax, Land and Probate Records.
The following dates indicates what vital, land, probate, and court records are in Cumberland county. The date listed for each record is usually the earliest registration filed. The date does not indicate that there are alot records for that year and does not mean that all such events were actually filed with the clerk.
Cumberland County Registry of Deeds has Land Records:1760. The County Registry of Deeds is the place where all transactions of a Real Property nature are recorded so that the public is made aware of their existence. Deeds, mortgages, tax liens, water liens, declaration of homestead and many other kinds of documents regarding the title and ownership of real estate are noted permanently in official records.
Cumberland County Clerk of Probate Court has Probate Records:1908; Fire loss; 1900-08 index survived.. The County Clerk of Probate Court has has had several relating definitions over the years: the Widows and Orphans Court; the Poor Court; and the Court of Protection. All of these terms fit the description of the Probate Court.The Probate Court carries out the following procedures: Adoptions, Guardianship of Minors, Guardianships, Conservatorships, Change of Names, Estates, Trusts and Beginning Sept. 18, 1999 - Support of Enforcement.
Cumberland County Town Clerks has copies of vital records (birth, marriage, divorce and death records). Clerks respond to inquiries regarding vital records, since most have indexes available. Some of the Clerks records have been transfered to the Maine State Archives
Learn More: State of Maine Census Records
U.S. Federal Population Schedules: 1790, 1800, 1810, 1820, 1830, 1840, 1850, 1860, 1870, 1880 (free index), 1890 (fragmented), 1900, 1910, 1920, 1930, 1940
U.S. Census Reconstructed Records: Census Substitutes Index, 1800-1890
Learn More: State of Maine Vital Records
Birth, Marriage, Divorce and Death Records: from 1923 to present. Records for 1892-1922 are available at the Maine State Archives
Locations: Maine CDC office Vital Records, 244 Water Street, #11 State House Station, Augusta, ME 04333-0011; PH: (207) 287-3181
Vital Records by Mail: Birth Certificate, Marriage Certificate, Divorce Certificate, Death Certificate Applications.
Cumberland County, Maine Message Boards
Cumberland County, Maine Genealogy Boards
Cumberland County, Maine Books - Amazon
Publishments, marriages, births and deaths from the earlier records of Gorham, Maine
Cumberland Co., Maine - FindaGrave
Maine Indexed Historical Records - Familysearch
Cumberland County, Maine Links - Cyndi's List
Historical Newspapers from Maine (1785–1945)
Cumberland Co. MEGenweb
Cumberland County, Maine Ancestry Database Collections
Portland soldiers and sailors
Cumberland County, Maine Military Records
ME County Records
Maine County Listings ▼Androscoggin CountyAroostook CountyCumberland CountyFranklin CountyHancock CountyKennebec CountyKnox CountyLincoln CountyOxford CountyPenobscot CountyPiscataquis CountySagahadoc CountySomerset CountyWaldo CountyWashington CountyYork County
Search ME Resources
ME Birth, Marriage & Death Records
ME Military Databases
ME Record Collections
ME Historical Newspapers
ME Research Guides
ME Records Home
ME Archives & Societies
ME Census Records
ME Courthouse Records
ME County Facts
ME Cemetery Facts
ME Church Facts
ME Military Records
ME Vital Records
ME Volunteer Lookups


text:
Антропофобія або Антрофобія (буквально «страх перед людьми», від грецького: ἄνθρωπος, Антропос, «людина» і φόβος, Phobos, «страх»), так звана фобія міжособистісних стосунків або соціальна фобія, є патологічним страхом людей або людських компаній. Явище поширене серед найбільш перенаселених китайських і японських суспільств.

Антропофобія є крайньою, патологічної формою сором'язливості і боязкості. Будучи формою соціальної фобії, вона може проявлятися як страх зашарітися або зустрітися поглядом, страх ніяковіння, незручності і тривоги при появі на людях. Специфічно японська культурна форма цієї фобії називається taijin kyofusho.

Антропофобія найкраще може бути визначена як страх перед людьми в ситуація великого скупчення людей, але можуть бути різні ускладнення аж до некомфортності від товариства навіть однієї людини. Умови варіюються в залежності від людини. М'яка форма хвороби досить легко піддається лікуванню, в той час як в більш серйозних випадках антрофобія може призвести до повної соціальної ізоляції і виняткового використання письмової та електронної форми комунікації.

Як і більшість фобій, причиною антрофобії є здебільшого травматичний досвід. Оскільки соціальні фобії є більш складними, ніж боязнь павуків або інших організмів, вважається, що ця специфічна фобія людей може бути пов'язано з генетикою і спадковістю.

Примітки

Фобії

redpajama_set_name: RedPajamaWikipedia


text:
Giedrė ist ein litauischer weiblicher Vorname. Die männliche Form ist Giedrius.

Herkunft
Der Vorname ist abgeleitet von giedra, dt. "heiter".

Personen
 Giedrė Balčytytė (* 1978), Beamte, Regierungskanzlerin
 Giedrė Šiaulytė (* 1984), Harfinistin
 Giedrė Barauskaitė (* 1985), Singer-Songwriterin und Komikerin
 Giedrė Purvaneckienė (* 1945), Halbleiterphysikerin, Politikerin, Mitglied des Seimas

Siehe auch
 Giedrys, Familienname

Einzelnachweise

Weiblicher Vorname
Litauischer Vorname


The GATS Enquiry Point is located at the Foreign Trade Policy Department of the Ministry of Industry and Commerce and has the role to implement duties on behalf of the Ministry of Industry and Commerce as stipulated in Paragraph 3 of Article 5 of Decree 363.
5. To exercise other duties as assigned by the higher authority.


text:
Written by Danielle Loughnane
Consumers flocked to stores on Black Friday, retreated to their computers on Cyber Monday and knocked it out of the park on Small Business Saturday - combining their efforts to increase holiday sales by 4.2% over last year's totals. But it was Small Business Saturday (the Saturday after Thanksgiving) that stole the show this weekend – and when the dust settled and the virtual shelves restocked – they had millennials to thank.
With a few more weeks to go in the NFL season I checked back in with Stephanie Martin and Matty Van Riper to see if the statistics they had used to pick their fantasy football teams at the beginning of the season were proving to be successful. Was their strategy of winging it or using statistics to pick their teams working or hindering their team's performance?
Written by Nancy Duarte
Data helps organizations gain valuable insights into customers, employees, products and markets, but there is a limit to what databases and charts can do on their own. Answers to organizational problems or opportunities don't just organically spring from algorithms—they need communicators to translate the information into compelling stories. It is data stories that ultimately bring about action and change. Applying simple story techniques to data, transforms the data from making sense to also making meaning. Adding meaning helps audiences understand the data and drives real change for business. Easy, right?
The Toronto Raptors announced that they have promoted data analyst Brittni Donaldson to assistant coach following the Raptors' first ever NBA championship in 2019. This makes Donaldson one of ten women to join the NBA coaching staff and a growing number of data analysts to take a forefront position in the sport. In a phone interview with the Sioux City Journal, Donaldson states, ""My role is to help the coaching staff make better decisions with the data we have available. It's been really fun. I help out with scouting reports, player evaluations and roster construction. I've also had opportunities to be on court a little bit to help out with player development." Blake Murphy commends this decision. Upon hearing the news the Raptors reporter tweeted, "Brittni is incredibly smart and was already working directly with players a lot. Important to have extension of analytics department in versatile connector role."
women in data
Written by Scott Koegler
From one-person business to multinationals, big data is changing the way companies operate for the better. With the increase in the amount of data originating from different sources due to the advancement of technology, companies are now deploying different innovative approaches for analyzing and extracting different useful data sets. The ability of businesses to access valuable and organized data offers them an edge and ensures long term returns. It makes it easy to make decisions which would otherwise be hard using conventional methods.
Written by Elhay Farkash
Manufacturing facilities are complex operations. By manufacturing standards, some of the "newer" plants are over 25 years old. It is also quite common that a plant built for one specific purpose years ago is used today by a different manufacturer making different products. Adding to the complexity, no two manufacturing plants in the world are identical. They are all different shapes, sizes, and in different locations. Heating and cooling systems at a plant in the California desert will react differently compared to a plant in Calgary, Canada.
Salesforce's Purchase of BI Giant Tableau Proves that the Future is Data
On Monday morning, the tech world got shaken up when Salesforce announced they had acquired data visualization software, Tableau for a whopping $15.7 billion. "We are bringing together the world's #1 CRM with the #1 analytics platform. Tableau helps people see and understand data, and Salesforce helps people engage and understand customers," co-CEO of Salesforce Marc Benioff said in a statement after the announcement. What started off as strictly a CRM (Customer Relationship Management) platform, it's clear that Salesforce is looking to expand their influence to other industries such as data analysis – creating a product that has everything a company needs all in one software.
How Can Your Company Get the Most out of ROI
How do you measure ROI? If I knew the answer I would be a billionaire. It's a question that has haunted marketing departments for ages. ROI, or return on investment is a way for companies to use data to track how profitable an activity or campaign is. One would assume it would be easy- divide the campaign spend with the amount of business the campaign generated. Problem solved. End of article. Unfortunately, that's not necessarily the case.
TV/Film Characters Breaking the Mold of What it Looks Like to Be a Data Scientist On Screen: Part 1
Data scientists and programmers come in all different shapes, sizes, races, and genders. But if that's true, why hasn't Hollywood caught on yet? I don't know about you but I'm sick of seeing programmers depicted as the twenty-something shy, nerdy guy whose a recluse or the quirky chick who can only be described as eccentric.
data industry
Three Steps to Monetizing Your Data through Customer Intelligence
Written by Andrew Wells and Kathy Chiang
How intelligent is your company about your customer? Do you know enough about them in order to create a personalized customer experience? Understanding your customer through deep intelligence enables you to drive the right actions and experiences that can make the difference in your ability to compete in the marketplace and win with the customer. In today's world, competing on price alone cannot win at checkout. You need to create a unique customer experience that separates you from your competition. This could be your customer service, return policy, quality of your product or services, or designing a bespoke experience.
Why It's Important To Take Control Of Your Data In Today's Marketing
Does Your Company Have a Low Analytics Maturity?
From Data Scientist to Data Hero: Interview with Iron Viz Champion Timothy Vermeiren


text:
Powersports Business Inspiring Success Through Market Intelligence
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ODES UTVS
2019 Powersports DEALER Seminars @ AIMExpo
Dealer Consultants
Home » News » Mahindra » Mahindra, Rush Limbaugh announce winner of Military Salute UTV
Mahindra, Rush Limbaugh announce winner of Military Salute UTV
Mahindra North America presented the winner of The Rush Limbaugh Show's Fifth Annual Mahindra Military Salute Giveaway with a Mahindra Retriever utility vehicle in recognition of his service in the U.S. Air Force. This years' winner is retired Lieutenant Colonel Steve Walker. As in the last four years, Lt. Col. Walker was randomly selected from the thousands of active or retired military personnel who were nominated in the sweepstakes. In addition to his service in the Air Force as an Instructor Navigator, Lt. Col. Walker currently teaches and coaches football at Jefferson City High School in his hometown of Jefferson City, MO. (Watch TV coverage of the key ceremony.)
"It's a privilege to recognize and thank Lt. Col. Walker, one of our nation's heroes with a Mahindra utility vehicle through this Military Salute program. We appreciate his service to our country. We also offer our Mahindra Pride Military Appreciation Rebate which gives us the opportunity to thank our service men and women for the sacrifices they make every day," said Jay Litsey, vice president, Marketing and Strategic Planning, Mahindra NA. "We value the opportunity to work with our long-time partner, The Rush Limbaugh Show to honor our military through this program. Supporting our military is an important aspect of Mahindra's Rise initiative to drive positive change and transform lives in our communities."
Mahindra North America presented a Mahindra Retriever utility vehicle to the winner of the 5th Annual The Rush Limbaugh Show's Mahindra Military Salute Giveaway, active-duty Lieutenant Colonel Steve Walker, in recognition for his service in the U.S. Air Force. In addition to his service in the Air Force as an Instructor Navigator, Lt. Col. Walker currently teaches and coaches football in Jefferson City, MO. (Pictured L-R: Coach Pete Adkins (Steve's high school football coach), Cynthia Walker, Lt. Col. Steve Walker, Todd Wolfmeier, Mahindra North America, Reg Hamman (nominated Steve for Military Salute) and Dr. Larry Linthacum, Superintendent of Schools/Jefferson City Public Schools.)
"It is a pleasure to partner with Mahindra, the world's number one selling tractor, to give a utility vehicle to Lt. Col. Walker. I thank him for his service in the Air Force and on the ground at home as a teacher and coach," said Limbaugh.
"This has been such a great day for my wife and me; it is humbling to be nominated by my good friend Reg Hamman. I am grateful to Mahindra, Rush Limbaugh and Reg for making this possible," said Lt. Col. Walker. "My first ride around the football field was amazing; the seats are roomy and incredibly comfortable. I look forward to driving the Retriever around our property."
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Dealership buys ex-WPS distribution center; targets e-comm growth
Powersports 2019 retail growth estimated by analyst
European accessories distributor opening U.S. branch
MV Augusta hires industry veteran
Dealership to donate SxS to children's charity
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New I should have done these last night, as I wasn't going to get home from work before the afternoon games started.
I'd have taken the White Sox, but oh well.
Is the "end of weeks" after Friday games, after Saturday games, or after Sunday games?
good luck in pinning down kid to a timely accurate count.
Although, "end of weeks" is better than "end of Days"


The clients who have worked with Sterling Homes now live in the homes of their dreams. Our business is largely stemmed from referrals, and from the very first meeting, to the last stroke of a paintbrush in the custom home, our team is there every step of the way. We are committed to making visions a reality.
Sterling Homes homeowners receive a commitment to detail, style, livability, and long-standing appeal. We know that every person who touches the home: architects, carpenters, installers, contractors, designers, sales — will play a critical role in building and delivering a dream. There is no better option for custom home building in Cincinnati.
While some clients come to the table with an exact lot in mind, others only know that they would like a custom home built or their home remodeled. Working with our vast network in the Cincinnati area, we help to deliver and vet the available options, listening to needs to help make this critical decision.
A Sterling Homes constructed home is a liveable space that matches the inhabitants' lifestyle. Of course, the careful consideration of the location's natural resources will first be considered: we are meticulous in optimizing light, planning for views, and helping to think through the homeowner's everyday experiences, to be sure that the home delivers on point. From the basic livability, flow and function, to the final selections process, we work to ensure a seamless and thoughtful integrated design, providing lasting value.
A commitment to quality master craftsmanship is at the heart of Sterling Homes. Our company owner, Brad Olinger, carefully inspects every detail, relentless in his pursuit to deliver only the best end-product to the clients with whom he builds lasting relationships. We use only the best in materials and products on the market today in each of our custom homes. From the flooring to the windows, we work with our clients to ensure the right products are selected for the budget, and are carefully added to the home.
Sterling Homes builds Green Homes. From every product we select, to the processes followed, we build environmentally-friendly sustainable homes to last a lifetime. Learn more about Green Building with Sterling Homes.
Deciding to build a new home is a big decision but is also a very rewarding one. At the start of the process, knowing several key details will help make the process more enjoyable. Below are some questions to think through to help with the initial planning phase.
2. What is the square footage of the home you are interested in designing?
3. How many bedrooms? full baths? ½ baths?
4. Are you interested in a first floor master suite?
5. Do you want a formal dining room?
6. Are you interested in a finished basement? If so, what level of finish?
After figuring out the answers to the questions above, it is then best to start gathering your new home inspiration. We have found the following to be helpful.
1. Find five to ten pictures that you find inspiring for an exterior elevation.
2. Find a couple of floorplans that suite your family's needs.
3. Find five to ten pictures that you find inspiring for your interior. Please be sure to include kitchen, master bath and family room designs.
4. Are there important pieces of furniture or designs from your existing home that you want to incorporate into your new home?
Once you determine what you want to use as a starting point for your home design, you will get to make an appointment with one of our carefully selected Architects and our Interior Designer to start designing the plans for your dream home.


Winds of change in member expectations, rising regulatory costs, and the roadblock stemming from legacy systems are the key challenges being faced by credit unions. Keeping pace with the changing member preferences and dynamic technology can be overwhelming. Even though credit unions have largely been regionalized and operate within a community, they need to form partner networks to mutualize their run costs and focus on improving member experience.
Rising tech spends by large banks and increased interest in FinTechs pose major threats to credit unions in their digital journey. As per Everest Group estimates, the tech spend by top four banks in the U.S. is five times the technology spend of the entire credit union industry. An already limited tech budget, offset by core legacy system maintenance, eats into their funds as credit unions contemplate between run vs. change investments.
In this report, we analyze the challenges and key trends for the credit unions in the United States. This report also presents key takeaways on how credit unions can accelerate their digital transformation journey and visualize the future state of this industry. Technology & customer preferences are changing rapidly, and it is imperative that credit unions keep pace with this change.