Recently Central Government launched one more pension scheme called Atal Pension Yojana. So what is the difference between existing New Pension Scheme (NPS) and Atal Pension Yojana (APY)?
Let us point one by one.
The age for joining the New Pension Scheme (NPS) is 18-60 years. Whereas for Atal Pension Yojana (APY) the age eligibility is 18-40 years.
All Indian citizens can join NPS (whether they are resident or non-resident). Whereas for APY only Resident Indians are allowed to join.
In case of NPS, there is no such standard pension slab. However, in APY the pension slabs are fixed like Rs 1,000/-, 2,000/-, 3,000/-, 4,000 and 5,000/- per month.
In case of NPS, you have two types of accounts. One is Tier I and Tier II. Whereas, in case of APY there is no such differentiation.
You must contribute a minimum of Rs. 1,000 per annum. The minimum of Rs. 500 per contribution is required. In addition, you must contribute minimum 4 contributions per year. There is no maximum limit.
You have to contribute the minimum of Rs. 250 contribution at a time of account opening. Subsequently, you have to contribute a minimum of Rs. 250 per subsequent contributions. There is no maximum limit.
Note-As per recent PFRDA circular dated 8th August, 2016, the minimum contribution in Tier 1 Account is now reduced to Rs.1,000 a year. There will be no minimum investment limit for Tier 2 account (Earlier, it was Rs.250). Also you no need to maintain the minimum balance in Tier 2 account (Earlier, it was Rs.2,ooo).
In case of APY, the minimum and range depends on the age. For example, the minimum monthly contribution for 18 years of age person is Rs.42 to get Rs.1,000 monthly pension. At the same time, the minimum monthly contribution for 40 years age person is Rs.291.
There is no upper limit of investment set for both NPS Tier I and Tier II Account. However, in case of APY, the maximum limit for 18 years of age is 210 to get a monthly pension of Rs.5, 000. At the same time, the maximum monthly contribution for 40 years of age person is Rs.1, 454.
You can withdraw at age 60, 40% of accumulated amount be used to buy annuities from an IRDA approved insurance company, A phased withdrawal is also allowed, but the lump sum balance should be withdrawn before the age of 70 years.
To exit before 60 years age, only 20% of the lump sum to be cash withdrawal, 80% to be used to buy annuities from an IRDA approved insurance company.
On death before the age of 60, the nominee receives a lump sum.
There is no restriction and you can withdraw it at any point of time.
Once you attain the age of 60 years, then you have no option but to utilize 100% of the accumulated amount for a pension. No partial withdrawal is permitted.
You cannot withdraw in APY. Withdrawal is available only in case death or terminal diseases.
In case of NPS, you have primarily two choices. One is Auto Choice where the asset allocation among equity, Corporate Bonds, and Government Bonds are adjusted automatically based on age of a subscriber. Another is Active Choice, where you select your asset allocation (subject to the maximum of 50% in equity). In addition, you have a freedom to choose fund managers to manage your money.
In case of APY, there are no such options.
The tax benefit in NPS will be available only in case of Tier I account, but not for Tier II account.
Employer contribution to the NPS on behalf of an employee will get a deduction from his income (i.e. employer's income) an amount equivalent to the amount contributed or 10% of BASIC SALARY + DA of the employee, whichever is less. (Section 36 (1) (iv a) of the Income Tax Act 1961).
Employer's contribution to NPS on behalf of the employee is treated as perquisite in the hands of the employees. However, it is deductible u/s 80CCD (2) of the IT Act, 1961 to the extent of 10% of basic salary. This deduction is over and above the limit of Rs.1.5 lac u/s 80 CCD (1). This will lessen the tax burden of the employee to the extent of amount deductible u/s80CCD (2) of the IT Act, 1961.
Contribution by an individual employee is eligible for a deduction from Income under Section 80CCD (1) of the IT Act 1961 up to Rs 1.5 Lakhs. However, investments under Section 80C Section 80CCC and 80CCD(1) should not exceed Rs.1.5 lakhs per assessment year to claim the deduction.
An additional tax benefit of Rs.50,000/- under section 80CCD (1B) per year (applicable from FY 2015-16/AY 2016-17) for NPS investments.
There are no such tax benefits of investing in APY.
Both NPS and APY pension is treated as taxable income under the head of a salary.
9) Where to open an Account?
In case of NPS, you have to open the account by visiting the nearest Point of Presence (POP) branch to open the account. This account could also be opened online through CAMS online, or providers such as ICICI Direct and FundsIndia.
In case of APY, you have to approach the bank where your savings bank account is held.
In case of NPS, the nomination is not mandatory. However, you can nominate a maximum of 3 members. The total sum sharing of all these nominees must be equal to 100%.
In case of APY, the nomination is mandatory. You have to provide nominee details while opening the account.
11) How much return you can expect?
In case of NPS, returns are not guaranteed. It depends on the performance of the fund. Whereas, in case of APY, returns not disclosed. But set the fixed monthly pension.
In case of NPS, the Central Government and State Government employee's contribution are fixed at 10% of the Basic and Dearness Allowance (DA) per month which is matched by an employer contribution of the same amount. For the rest of the people, there is no Government contribution.
Employees' Provident Fund & Miscellaneous Provision Act, 1952.
The Coal Mines Provident Fund and Miscellaneous Provision Act, 1948.
Assam Tea PlantationProvident Fund and Miscellaneous Provision, 1955.
Jammu Kashmir Employees' Provident Fund & Miscellaneous Provision Act, 1961.
Any other statutory social security scheme.
NPS is managed by PFRDA. The APY scheme is administered by the PFRDA/Government.
In case of NPS, you will get the unique Permanent Retirement Number (PRAN). By quoting this PRAN, you can operate NPS sitting across India. There is no such facility in APY.
15) How many accounts, one can open?
For both NPS and APY an individual can open only ONE account.
Dear Sir, i open both account (APY & NPS) or not, i have already apy account with pran no.
You can open the both. However, do you feel they are suitable for your retirement?
You have mentioned that a person can have both NPS and APY. At the same time you have told that "As per law, one must have only one NPS and one PRAN". If you try to have both NPS and APY, then you will end up in having 2 PRANs. Or is it possible to have both NPS and APY under single PRAN?. Can you please clarify this?.
One must have only one PRAN, NPS and APY. But it is not written rule that one must not have both NPS and APY. What I said is one person must have only one PRAN.
Similar to Arun, I also ended up with one PRAN for NPS and one PRAN for APY. There doesn't seem to be any way to prevent a PRAN number from getting generated for APY when you apply online. It doesn't ask for your existing PRAN number at all..
True and I think they themselves forget the concept of PRAN.
i am having an nps tier 1 account working in govt sector can i join apy.
I have already APY account in SBI.
Can i open NPS account ???
Can me and my husband have separate APY accounts?
Currently my husband has one. Can i also open one for me?
which is preferable for middle /common man (service sector)NPS – TIER I OR TIER II OR APY (Atal Pension Yojana).
Sachin-Hard to say BLINDLY with few words of your sharing.
Sachin-Hard to say anything BLINDLY.
Can non tax payer open is eligible to open nps and apy????
Bharath-As per law, one must have only one NPS and one PRAN. Hence, better to retain one NPS.
I submitted NPS application through bank.
And opened APY online(simultaneously, when I came to know about enps).
Now I have pran for apy and a pran for nps.
Is that normal? If not, what should I do!
can i get the pension amount after 50 years if my investment is till 60 years in nps tire 1.
Is it completely tax free.
to get 20,000 as pension how much i should invest in NPS.
Soumya-Refer my post on this "National Pension System (NPS)-New Partial Withdrawal and Exit Rule".
Sir , can we open a ayp plan instead of an nps plan . I already have an nps plan and I'm not from the unorganised sector. But if I'm getting a different job can i apply for ayp instead of an nps?
Hayat-APY has limitations of maximum retirement benefits. Hence, if you feel that much is sufficient for your retirement then you can. Otherwise, best is to be with NPS.
I am also an APM account holder and found NPS scheme is way better than other. This is the best way to check to check your Atal pension yojana status .
Contribution to APY is also eligible for Tax Deduction under section 80CCD , please update the article .
Soumen-Yes, the tax benefits are same like NPS.
I am an existing APY subscriber and now I got employment in a PSU who has asked to open a NPS.Should I apply using the new a/c opening form i.eCSRF1 form or I need to transfer the APY to NPS as I hold an PRAN against APY.Are the two PRAN different and can be independently subscribe to.
Sudipta-In my view better to use the same PRAN. Because as per rule one person must have only one PRAN.
1. I have got my APY account set up from ICICI Online on August 2016. I have got my PRAN number.
2. I have not received PRAN card yet. Email from NSDL says that i need to contact branch. I have contacted branch but they have no idea on what is APY. How can i get my own PRAN card????
Note : I can get e-PRAN in APY link. But it shows card name as ATAL PENSION YOJANA. I hope PRAN card has photo embedded.
3. I would like to open NPS through AXIS bank online as ICICI online is not working. When I enrolled my PRAN number in AXiS bank, it shows the PRAN is related to NPS-lite and I need to contact aggregators??? What should I do at this point of time??
4. Any suggestions you can give?
Krishna-It is correct that you have to contact ICICI for PRAN. Regarding NPS opening, whether you used the same PRAN?
Punit-APY is meant for low earning group. Do you feel it is a great product?
Request you to please address my below doubt.
I am an APY subscriber for past 1 year. Currently i am working in a private company & now i shall be switching to a govt. job where they shall open a pension account. Please let me know about how would the procedure go like? Shall i need to cancel APY in order to go along with my govt. job pension benefits. Can't i give them my current PRAN no to use?
Rahul-In my view, you have to request for merger of your new NPS with APY. Check with PFRDA or your employer for the same.
my wife is SUBSCRIBING TO APY scheme thorugh SBI s.b. Accounts, She wants to shift the same APY subscription to Canara Bank. Is it is possible?
Can I avail PRAN card for the pension a/c under APY. Pls suggest. Is it imp in future to avail pension. If I can avail PRAN , which tier to select when applying for it online.
Vaishali-YOu will get the PRAN for APY also. Check with PFRDA if you have not yet received. You no need to select any TIER. Because in APY there is no such option like NPS.
lease clear, that a private sector employee can open NPS account at individual level to avail additional benefit Rs.50000/- u/s 80 ccd who is already a member of Employee Provident Fund.
I am working as Sr. Manager in a private limited company and also a member of EPF, 12% my contribution and 12% employer contributes. Now I have availed 150000/- u/s 80c and Rs. 25000/- u/s 80D, can I eligible to invest individually in NPS to get additional benefit u/s 80ccd and how much should I invest?
Yes upto 50,000 over and above 1,50,000.
Dushyant-I think they allocate you one more PRAN.
I think Atal Pension Yojna is also covered under Tax Benefits of NPS as per Notification No. SO 529(E) dated February 19, 2016.
Deepshikha-Thanks for this sharing. However, this post was written before this notification.
Hi, I have opened a eNPS account and received a PRAN. Later i opened APY account. I have received another PRAN. Can i have these two accounts combined on one PRAN? How to do the same? Plz suggest.
Hari-No, in my view you have to continue with two PRAN.
Hi sir, I have swavavlamban account and my age 21 years and I filled form of wish to opt out in apy and give it to my bank aggregateor so now I am continue in nps lite! And now I contribute money in nps lite?
I had opened a APY account in SBI in January 2016 in SBI .
2.curently will the NPS allow to invest and hold 2 different PRAN number for APY and NPS?
WILL IT A PROBLEM FOR ME IN FUTURE HOLDING TWO PRAN NO.?
SHOULD I MERG MY SWAVALAMBAN ACCOUNT TO APY ACCOUNT?
Chetan-It will not create problem. But inform to PFRDA for the same.
Hello, I am opened mom and dad NPS Lite account and paid two instalments through PAY SLEEP provided by UTI through agent now that account is closed where i deposited ,so how can i pay for the same. someone says me NPS is closed and transfer NPS account to APY now issue is APY scheme age is max 40 and my mom dad age is above 40 so what can i do ?
4) is NPS lite and APY are different ? and both are working separetly ?
Sandeep-Yes, all existing NPS Lite account holders moved to APY. Do you feel APY a great product for retirement??
yes i feel APY is better product for retirement.APY scheme age is max 40 and my mom dad age is above 40 so what can i do ?
2) What is NPS MAIN ?
Sandeep-Do you know the value of pension when you retire (Mother)?
2) It is explained here "Difference between Tier 1 and Tier 2 Account in NPS".
3) I already replied that NPS Lite now moved to APY.
Can one persion open two tier I NPS account if not then what caa do for surrender?
Yadav-One person can't invest in two NPS accounts. You have to inform PFRDA for the same so that they can merge the both.
Atal Pension Yojana is by far the best scheme started by this Government as you are going to earn a fixed amount of income after retirement while the NPS contributions was not fixed because they are market linked.
Yojana-At what cost the FIXED income? Tax and inflation will eat your money at retirement, then what left for you to live during retirement age?
I am aged 55 and I have opened a NPS Tier-1 account this year itself, hoping this will give me tax benefit under 80 CCD(1).
Now if I manage to get my company (Pvt. Ltd) to invest 10% of my basic pay into my NPS account, will that amount also be tax-free.
Also want to know, how can the company contribute on my behalf, by directly giving cheque to NPS pop or will it need to open an corporate account with NPS and then contribute on my behalf.
These are 2 of my querries – please advice.
Anand-Refer my latest post "NPS Tax Benefits – Sec. 80CCD(1), 80CCD(2) and 80CCD(1B)".
I have a doubt, I have both NPS Tier-I & Tier-II account for which I am having PRAN. Recently, I registered in APY scheme, in which a new PRAN was generated online in my SBI a/c.
So, is there a problem here? Do I have to contact SBI or NPS CRA regarding this?
I am working for MNC and would like to open the NPS tier-1 account.
Your article says "Employer contribution towards the NPS account".
Does this feature available for employees working in Central or State government OR employees who work in big corporates like Reliance, TATA and Infosys?
Ganesh-It may be available with private companies (big or small), but it purely depends on whether they provide such facility to their employees or not. There is no hard rule that they must provide this facility to their employees.
I am employee of private sector , opening account in nps tier -1 , not tire 2 . if necessary to open tier2?.
Karthick-NPS Tier 2 is not mandatory. Yes, you can open APY (but think twice of whether is it a great product for retirement planning?).
I have opened APY account in name of housewife and i am investing 900 per month on behalf of housewife. Housewife is not earning any income.
Is investment be claimed by me (Her Husband) for exemption under section 80CCD ?
Tejas-As per Sec.80CCD IT Act (LINK), it is clearly mentioned that this section is available for and INDIVIDUAL but not for spouse. Hence, you can't claim.
I have invested for APY solely for govt guaranteed pension. I have ELSS funds for retirement corpus.
Should I invest Rs.500 per month more towards NPS? Currently I am in 10% bracket.
Debabrata-Do you feel NPS or APY best retirement products?
I have ELSS corpus assigned for my retirement.
I think Rs.6000 per month for 34 years would suffice for retirement corpus. That aside i have PF and PPF contributions too.
I was just considering APY as its govt backed and guaranteed. Also Rs.485 per month is not a big deal right now.
What do you suggest – continue APY? I had paid only one installment.
Debabrata-Have you thought the inflation and the APY pension will suffice to survive? In my view, APY meant for lower cadre people. Hence, stay away. Continue equity and debt in a proper asset allocation.
3. my sbi account is regularly deducting atal pension yojana amount. do we have a portal where we can see the total amount deposited in the atal pension yojana .
Mohit-1) The minimum contribution in Tier 1 Account is now reduced to Rs.1,000 a year. There will be no minimum investment limit for Tier 2 account (Earlier, it was Rs.250). Also you no need to maintain the minimum balance in Tier 2 account (Earlier, it was Rs.2,000).
2) Contact PFRDA or POS and pay the minimum yearly contribution and penalty and activate it.
1. As i am a salaried employee, so i have a EPF account as well where 1250 rupees deposited in my pension fund. I have nps account as well. I have registered for atal pension yojana as well.
So my query is will i get the three pension each from different EPS,NPS,APY.
sir mai pvt job karta hu .kya mai nps ac open kar sakta hu maxmium kitna rs ka monthly de sakta hu.kya mujhe tier i and teir ii dono kholna chahiye.pls help me.
sir mera age 40+ hai.
Sanjay-Refer my earlier post "Difference between Tier 1 and Tier 2 Account in NPS".
Basavrajji, Pls. help me that I have NPS – LITE (Swavlamban) and APY both since 1.5 years, now i had called to CRA for NPS lite to NPS Tier-I, CRA executive told me that you have to open new NPS Tier-I we will transfer your money to NPS Lite to NPS Tier-I, hence i had opened NEW NPS Tier-I, my question is can i keep both NPS LITE and NPS Tier-I ?
Dushyant-Once you open NPS, then you can't continue NPS lite.
Hello sir, I have same question.
I have NPS lite account.. I want to open my new NPS tire 1 account through e-NPS. Plz advise can it be possible. Also advise how I can transfer amount from NPS lite to NPS main.
Rajkumar-I think using same PRAN you can open NPS. Check with PFRDA for the same.
I had opened NPS for myself and chosen KOTAK as fund manager. I also want to open NPS account for my wife. Kindly let me know whether both Husband and Wife can open NPS account and also help me in choosing best Fund Manager also. Will I go for KOTAK or should choose any other.
Chetan-Yes, you can open NPS account in your wife's name. There is no such hard difference about fund manager. You can opt the one with which you are comfortable.
Thanks a lot sir for your reply. Also I am having one more question though it is too early to ask this but can you share some of the best plans to choose from for selecting Annuity Plan after completion of 60 years to get handsome pension amount.
Chetan-After your retirement age, you can opt for annuity plans offered by Life Insurence companies (for example, LIC's Jeevan Akshay).
I have opened APY a/c through bank.
1.Can I register it online to track & monitor my contribution.
Thanks a ton for en lighting us by such detailed information.I have an query.What will the tax implication for withdrawal from Tier-II account? Like if I earn profit, do I need to club it with my income or Kind of MF taxation like benefit available?
Priyajit-Yes, it is taxable income if you withdraw.
sir please suggest me as i am a central govt employee having one pran, now i have joined other central job and there i did not disclose about my old pran number, now as i have obtained other pran number, what should i do?
Will my old account automatically become dormant?
Sanjay-Yes, your old account be dormant. Better to close it. Keep in mind that PRAN is unique to each individual.
Sanjay-Closure of account here means not withdrawing.
i applied for both APY and NPS and got two different PRAN no. what i do sir?
Mohamed-I replied so many times. You have to inform to PFRDA to retain one.
I also received two PRAN numbers One for NPS and second for APY.
So I think it is okay to have a second PRAN for APY.
In case anybody else succeeds to merge plz inform .
Raj-God knows 🙂 then why it is mentioned as PRAN is unique to an individual? Holding two unique numbers??
Please find the NSDL-CRA reply marked in yellow colour below.
MY QUERY – I HAVE ONE NPS AC CAN I OPEN ONE APY AC ?
Yes you can open a APY account. If you are having a NPS Swavalamban account, the migration facility is available, the same PRAN can be continued to APY. However, if you are having a NPS PRAN other than Swavalamban. You need to apply by submitting a fresh APY application.
Hemant-See the lines "if you are having a NPS PRAN other than Swavalamban. You need to apply by submitting a fresh APY application", they are specific in saying that one can apply for APY but not for one more PRAN.
Please find my latest communication on PRAN number for APY and NPS.
This is with reference to trail mail. In this regard, please note that NPS & APY both are separate schemes and hence a subscriber can enroll under both the schemes and can have 2PRANs i.e one in NPS and another in APY.
In NPS, PRAN card has been issued to the subscriber. However, such facility is not available in case of APY. The only acknowledgement for enrolment in APY is the acknowledgement slip given to the APY subscriber while registering the subscriber under APY. The said acknowledgement slip is part of APY registration form.
Dear Mr. Basavraj, keep in mind that since 1 year it is not possible to hold 2 PRAN's but before 1 year PFRDA allows you to hold 2 PRAN's as that time there was no APY, subscriber know only NPS than after Govt. has introduced APY and allow it.
Dushyant-Whether it is due to APY or whatever, PRAN is unique like PAN to an individual.
i have a saving bank account in SBI,, can i open kyc.
I Have a NPS Tier 1 account.
I willing to close the NPS Tier 1 account. Is it possible to switch over the amount from NPS to APY by closing of the NPS.
If possible means please advice me!!!!
Satish-No, such switching is impossible.
Mr. Basu Sir, I think he can withdraw from NPS, take back the available fund – say 20 % from tier I and 100 % from tier II , and open an APY a/c and start investing provided he is within 40 age.Additioanally he can also open one APY a/c keeping the NPS a/c also intact and running. A person can open one NPS and one APY a/c, no issue if 2 PRAN numbers, see the pfrda website for any doubt.- Hemant-I am ex senior banker and trainer too.
Hemant-I agree and also of same opinion that one can open NPS and APY. But having two PRAN complicates him. PRAN is unique number to an individual. It is like having PAN number.
What are the procedures to merge the PRAN account with APY.
Sekar-I am not sure of this. Better you contact PFRDA.
Hi please confirm is APY coming under tax exemption or not.
Manjunatha-Yes, tax benefit modified but only towards the Sec.80CCD(1) including APY. But I don't feel it is a great tax incentive.
Hello Sir..If I Open for APY for wife (Housewife) can i claim it for Tax exemption along with my APY claim.Kindly suggest.
Ashish-You can't claim the benefit on behalf of your wife. Because Sec.80CCD refers to ONLY individual but not to spouse investment.
OPENED BOTH NPS AND APY BUT GOT TWO DIFFERENT PRAN NO. WHAT TO DO?
Sharadindu-Inform to PFRDA and let retain one only.
Are you sure that we should have 2 PRAN – one each for NPS & APY. Because the same issued happend to me also. Online SBI automatically allotted me one more PRAN # (For APY). I called up the Toll FFree # 18001801111 and they said we can have 2 PRAN for NPS & APY. And only NPS- lite needs to be merged with APY. Can you please clarify again.
Saikrishna-No, one must have only ONE PRAN.
I had open NPS lite Swavalamban account Bank of Baroda since 2013 & other account APY SBI since 2015 but both generated pran number is different. so what will be do work both account in future or not.
Kuldeep-Inform to PFRDA for the same.
how to merge nps to apy and how to getting the new prn no.
Kuldeep-As per law one person must hold only one PRAN. Hence, suggesting you to inform PFRDA.
Kuldeep-You have to raise this issue with PFRDA.
Basu Sir, kindly provide me the legal provision – the particular Act with section which provides that a person cannot have 2 PRANs ?Because I have not been able to find such law so far. For PAN, yes the Income Tax Act provides having one PAN only.
Sir, kindly provide law provision at the earliest since this issue even the PFRDA are not clarifying as – whether I can open one APY with separate PRAN even though having NPS a/c with a PRAN ?
Hemant-Check the definition of PRAN and for what purpose it was launched.
I am a primary school teacher of state govt under taken,and i have gpf. I also join in APY @5000/- slab.
MY QUESTION IS THAT IF GOVT DONT CONTRIBUTE IN MY APY. 1)what will i get after completion my age 60, will i get ?pension or the sum i accumulate till the age 60 with interest ?
2)If i will get my teaching service pension in future,will APY also give me my benefit as pension money 5000 per month ?
Susanta-1) Yes, it will be your accumulation and interest on that. They created a chart for each contribution how much you get as pension. Accordingly they pay.
Anand-I heard that one must have only one PRAN. But one pension, I never heard related to NPS and APY.
Ajya-Why you as an investor need to think about that?
Ajay-Never invest in any product only with sole aim of TAX saving. Rest is left with you.
Hi can i open both APY and NPS one each account as both managed by PFRDA ?
I am Harendra , 24 Unmarried male.Non Tax payer . I am holding NPS ,i got my PRAN Card as well..
1-Which is good NPS or APY?
2- i am contributing 1000 rs per Annum,how much govt contribution will i get?
3-Is it good to stay with NPS or Switch to APY from NPS ??
Harendra-1) According to me, both are not good.
2) There is no Govt contribution for NPS. However, if you are employed and employer offers NPS, then he may contribute to it.
3) I already replied to you.
4) You can check using PFRDA portal.
Thanks sir for your kind knowledge.
Let me correct myself – i am under NPS lite.
yesterday i went to UTI office they inform me that Govt will contribute 1000/- rs till 2017.
Harendra-Government contribution is limited for APY ONLY but not to NPS. I suggest you to create your own retirement corpus than investing in such products.
1- Is both are the Approved by the govt??I means to say is there is any chances that after investing , govt close both or any one before 60 years?
2-If its not a fake than think investing minimum 1000/- in a year is not Bad.
Kindly put your point in this regards.
Harendra-1) Yes, both are under Government.
Ashish-This is bank specific. Let try to find out why the account frozen and how to activate it.
1) In APY, the Government will also contribute 50% of the total contribution or Rs. 1,000/- per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government contribution will be for 5 years from FY 2015-16 to 2019-20.
I have opened APY account on my wife's name Aug 2015 in ICICI Bank, APY contribution 630/- per month, however Government contribution not recieved. Can you advise the action required from my side.
2) In one of your response, you have mentioned that Birla Sunlife Frontline Equity is good fund.
Can you please suggest some more.
I have an appetite for High Risk, as i understand it can provide me high returns.
Shamik-1) You check with Bank. Because there is no clarity on when they add.
2) Can you define what do you mean by HIGH RISK in your terms?
Hi Basavaraj, thanks for spreading the knowledge to common people. I have a doubt about NPS, as you mentioned the amount deposited in NPS will be managed by a fund manager. Is this the same as a mutual fund? I mean the money will go into share market? If that is the case how it would be different from investing in a mutual fund? I may be a stupid to ask this question. But I could not able to understand how it works.
Srinivas-Fund managers may be different. But equity investment as a pool means works like Mutual Funds. There may be some differences like charges, liquidity and investment mandate. However, mutual funds have an edge over liquidity and taxation (equity). But sadly TAX SAVING investors never look at it.
Rai-Yes, you can do it. PRAN will be ONE.
Manju-One can open another NPS before closing the first one. But the problem is PFRDA may issue another PRAN. Instead better to have one PRAN.
Goutam-I think they allotted you PRAN. This is unique. Hence, better to continue the old one.
I have a NPS account and also APY account. Can I keep both the PRAN number or I have to merge both of them.
Vimal-You must merge. Contact PFRDA for the same.
I am a state govt. employee and hold an EPF account. Can i open NPS?? And can i change NPS contribution in future if i want to change??
Patwal-Yes, you can join. Contact banks.
I got PRAN no. for APS, I already applied for NPS. Can I avail 2 PRAN for 2 products or I have to keep 1 PRAN no only and can I invest in both the plan simultaneously.
Vimrash-You must have only one PRAN. But you can invest in both the schemes.
I have apy scheme and I want to open nps account. It is possible or not. I am not government employer.
Pinu-Yes, but think twice whether both are great retirement products?
Hi have opened NPS account since last 2 years, now I would even like to open APY account.
Since PRAN for both account is same, Bank employee informed me that if I contribute to APY my NPS will be de-activated automatically. Is it true? Can I contribute to both scheme under same PRAN.
Where I can check my APY investment statement ?
1.I am currently I am not Gov. Employee and now I enroll for APY then in future if I got gov job then government employer will open NPS account so will I get employer contribution which is 10 percent of basic salary?
2. Will government contribution in APY will stop due to NPS if I got job?
3 After 60 year APY will give 5000 monthly pension..so upto what age this monthly pension will get after 60 year?
4. Sir you said APY will not gives good return in future..why sir..can you explain?
5.Is NPS good for government employee as employer will contribute in our NPS account?
6. And for Non government employees who want to open NPS so for that person NPS is good or not?
Sir please answer all above query…thanks sir in advance.
Atul-1) YES. 2) YES (remember Govt. contribution in APY is not for life long, but only in initial years). 3) Please read above post fully to understand on the same. 4) Returns from this product is around 7%. Do you feel a great return to create retirement corpus? Your long term goals returns must always be in a products which beats inflation. 5) Not good, but no option. 6) There is no such return differentiation as Govt investor and non Govt investor.
1) Is it advisable to invest 5000 per month in sukanya sumrudhi for baby girls, Rate of interest is 9.2% as of now.Rate of interest will be declared by government every year? It seems good for me and i am looking for long term investment.
Till 14 years we have to pay and on 21st year we will get 3 times what we invested.
2) I want to invest 1000 per month in Birla sun life mutual fund, Could you please tell me which fund is better?
Note: I am paying 2000 per month in HDFC mid cap opportunity Direct plan-growth.
3) I want to invest 1000 per month as Recurring deposit in post office for 5 years. Is it Good? or Can i put this amount in Mutual funds?
Karthik-1) I myself not invested in this plan. Because it is more of a political gimmick than nothing. You see the status or interest rate of this scheme once this Govt's tenure over. Stay away from such politically motivated investments.
2) Birla Sunlife Frontline Equity is good fund. Go ahead.
3) Instead of RDs, use short term debt funds and Arbitrage Funds. They are more tax effecient.
I joined APY on Sep-2015. Since then I am not receiving any email or hard copy communication regarding my APY account. Every month I use to receive an SMS for the payment receipt. I wonder, if I change my number or address, how I would able to trace my APY account and, and at the age of 60, how I will claim for pension. Also, how can I submit the proof of investment to IT department ?
Please advice, if any info you have regarding this.
Jitu-It will be through PRAN allotted against APY. If not yet received the same, then contact the PFRDA.
1) Could you please tell me where can i invest money to get high returns with less risk like Mutual funds or Recurring deposits or National saving certificate or shares or PPF?
2) Paying some amount(2000/month) to sukanya samrudhi, Can i invest some amount in PPF?
3) Can i buy 2000 worth of National saving certificate(XI-10years) from post office every month for 10 years. So that i will get money(approx.4500) after 10 years evey month, Is it advisable?
Karthik-1) Never run behind products. First understand your financial goals. Based on the time frame and your risk appetite chose the products. Random investing with the meanings like HIGH RETURNS with LESS RISK will not create you wealthy.
2) Again same answer, if you have a goal of 15 years of so, then park your debt part into PPF.
3) What will be the value of that NSC maturity after 10 years? Try to understand the concept of inflation and real return.
4) I already answered it in the first point.
I've submitted application form to join APY in sep-15. But in Oct'15 i checked with my bank and they have informed me dat due to some technical error this a/c can't be opened. Then i decided to join NPS. Last month thru bajaj capital i applied for d same and on 27th i receive my pran no. And on 28th suddenly apy contribution amount has been deducted for d month of oct. Again today nov month contribution has been deducted from my acc.
1. Can i continue both d a/c??
2. If yes then 2 diff pran no will create problem in future or not?
3. Is there any possible way to use 1 pran no for both d a/c and how ?
4. If both me and my husband join apy then after 60 years both of us will get the pension or not? and in case of death of any of us the survivor will get both d pensions or not plus our son will get the corpus amount for both d a/c or not?
Barnali-1) Yes, you can continue. But think seriously whether both are BEST suite your retirement corpus creation.
2) Yes, inform the PFRDA for the same.
2) They have to alot only ONE PRAN only. I think they created two. Inform the same to PFRDA.
4) Yes, both will get APY. Yes, survivor will get benefits.
No, actually I wanted to operate the NPS A/c only but I read that there in no option to pre close the APY A/c hence I've to continue both the A/c.
Please let me know if there is any scope to close the APY A/c. If not then I'll inform my APY PRAN to PFRDA to merge it with NPS PRAN. Do you have any mail ID of PFRDA?
And last but not the least thanks a lot for your guidance.
Barnali-You can instruct bank to stop auto deduct the premium. You can find PFRDA contact details on their portal.
I am already having APY Account from Axis Bank for me & Wife & I got the PRAN no also.
Now I also want to open NPS account for both of us ?
is it possible ? please le me know ?
Ghosh-Yes, possible and use the same PRAN for NPS too.
Hi, I am state govt. Employee and I have NPS PRAN. Now if I open an account in APY, I will receive another PRAN. But as per the norms Individual must have one PRAN. Then how can I join APY? In APY application no bank is asking about existing PRAN details. Please reply.
Ashish-These are typical initial glitches. Once you receive the PRAN for APY, then request for cancellation of the same by mentioning the existing PRAN. But major question, do you feel APY a great retirement product? Think and decide.
One more question, as a govt. employee my provident fund goes to NPS. At last when I retire my net wealth which I received 60% lump sum which is my PF amount will it taxable at that time or not?
Ashish-As per current tax rules, YES.
Is it good have pension scheme, Because it is longterm?
Karthik-1) Correct but not only to your wife, instead it is unnecessary for you too. Why? Because returns on this product may match to inflation but not gives you positive real return. In such a situation how can you sustain in retirement? Also, have you checked the value of maximum retirement they provide of Rs.5,000 when you retire?
2) I already replied to it in point first.
3) No insurance policy. Because they again ruin your money. Keep insurance to protect your life but not for investment.
2) How can i plan for my retirement, Where can i invest money?
3) Could you please suggest me where can i invest money to get good returns in short period like 5 -10 years?
Karthik-1) Yes. But I think recently they provided some liquidity to cancel and come out. I am not sure whether they implemented or not. Wait for clarification.
2) If your retirement is long term (more than 10 years or so), then I suggest to accumulate on your own by investing in equity mutual funds. Don't run behind plans like pension or retirement.
3) It depends on many things. I can't suggest blindly.
Currently i am investing monthly 2000/-Rs in HDFC Mid-Cap Opportunities Fund -Direct growth, Is there any specific mutual funds to invest money for get returns more without loss.
Will you suggest to invest money in the shares through Zeroda?
Karthik-There is only one way to get positive returns in equity-INVEST FOR LONG TERM. As I said, broker not matters if you are long term investor.
2) Is it good to invest money in one mutual fund company, I mean to say that for example investing money in 3 different mutual funds in HDFC alone?
Karthik-1) If you already having a small and mid-cap fund then select a large cap and start investing. Bear in mind that HIGH RISK always comes with HIGH RETURN. Hence, understand your risk taking ability.
2) When you chose different cap of funds and all funds are good and representing a single mutual fund company, in that case I don't mind to invest. However, it is hard to find all good funds in a single company.
Can u suggest me which one is suitable for me APY or NPS?
Currently i am investing 577 monthly and need to pay till 30 years(Total amount is 207720).So after my age 60 years , i will get 5000/- monthly and if some thing happend to me, that amount will give to my spouse and if some thing happend to my Spouse also, corpus amount approx: 8.5 lacks give to nomineee i.e to my daughter.
1) If i invest monthly 577 till 60 years, How much pension i will get?
2) Compare to APY, Is NPS is better?
Karthik-APY Rs.5,000 pension suffice at your retirement age (considering the trend of inflation)? Regarding NPS, it is also taxable income for you and also your money get locked up to your retirement age. In my view both are not good for creating long term goals like retirement.
Can i take contributions back in chunks across years to save tax ? after the age of 60.
So, if my yearly contribution is 4k, i will accumulate around 1 cr. Say for example i divide it across 10 years as i have to withdraw till the age of 70 years.
so, in that case as well i have to buy annuity plan and with that be taxable ? i mean 10 lakhs yearly. ( at that time i dont know what will be tax bracket )..
Birju-All withdrawal will be taxable income.
I am a professional paying 30% IT. Is it worth contributing 50K in NPS to save IT under 80CCD?
Dr.Moorthy-It is worst decision if you do so. Stay away.
I am a working in private company. In my EPF a/c statement there is a column named "Pension Contribution". Is it different from NPS ?
Pravas-IT is EPS (Employees Pension Scheme).
One of my uncle is an retired private employee all he invested money in Nationalized Banks , he is getting some good interest every month , but know RBI reduced or going to be reduced Bank Interest rates .So my uncle is in worry , So can i suggest him to invest on Mutual funds company , can he get good monthly returns atleast 15% of interest every month , because both my uncle & Aunt are patients .If u agree with my advice so ,which you company ,you would prefer to invest , kindly help me in this issue and i am requesting you to kindly give your valuable advise as early as possible sir ,Thanks for giving this opportunity .
Narayan-They are worried about around 1% fall in interest rate. Will they sustain the volatility equity market show? If this money is so vital to them then never invest in equity mutual funds. Instead, buy a pension plan from LIC.
Sir – I joined NPS some 2 years back and had a PRAN number generated. I recently joined APY through SBI and got another PRAN. I am an income tax payer.
Will there be any problem with 2 PRAN? Is joining both NPS and APY allowed?
Can we see APY online somewhere just like NPS?
Sapan-You must have one PRAN. Hence, communicate the same with PFRDA. It is not wrong (as per current guidelines) to invest in both. Getting online facility for APY may take some time.
Hi sir, I am a Govt employee . I want to choose one pension product for my wife. She too a very low income tax payer . I am confused between NPS and Atal pension scheme suggest me gud plan.
Manekandan-In my view NPS holds good than APY. However, personally not fan of such pension products. Hence, suggest to create your own corpus by choosing a suitable product.
Please throw some light on taxation of pension money. If I invest 50,000 pa in NPS, will both pension money & 40% lump-sum at age 60 would be taxable, or tax would be levied on interest earned on all my contributions.
In case both principal and interest are taxable, then this is a very bad plan in terms of taxation.
Gurpreet-When you buy an annuity from 40% of lump-sum then it is not taxed. But the annuity you receive from this either monthly/qty/half yearly or yearly will be taxable income exactly like your salary income. Rest of 60% of such accumulated amount from NPS is also taxable. Therefore, you must assume that 40% of such annuity is taxed on both principal+interest.
In NPS, please suggest a best fund manager to choose.
Siva-I don't think there is a huge differentiate among fund managers of NPS.
I am already having NPS account and even tax payer. What does above statement "I do not hold any pre-existing account under NPS".
Pravin-In my view that declaration will help them for the offer of 5 years contribution from Govt's end. Because there is nowhere they have written in eligibility conditions that one must NOT be member of NPS.
NPS account and i am a tax payer now I have to join APY is it possible or not ?
For me n my wife (she is also doctor) which one you suggest. ..
Dr.Deepak-Sadly, there is no such pension product which we can say BEST. The only option for you is to invest aggressively (choosing a product based on your comfort and time horizon) and accumulate the retirement corpus.
My query is can we open both account NPS and APY and contribute amount in both simultaneously or we have to choose anyone?
Pankaj-As of now there is no such regulation.
Nitesh-There is no information about such PRAN issue for APY. But this being a newly launched, let us wait how they manage.
I am 30 year old married guy! Was thinking about retirement planning. Can you please let me know what are the options? Is it OK to invest in MFs via SIPs to accumulate wealth for retirement? If yes, then which re advisable funds?
Abhishek-Equity investment through mutual fund is best when your goals are long term. As of now there is no such pension product which we may say as BEST. Hence, better to accumulate on your own. Fund selection again based on your risk taking ability and other criterias. Hence, I can't recommend you readymade solution.
Thanks for the beatiful comparison done for both the schemes.
Or is this restricted to salaries employees only???
Neela-There is no restriction on this. Anyone can contribute to it. But there is still some ambiguity on it like whether this additional deduction is after completion of 10% limit as provided u/sub section of 80CCD or addition deduction is over & above the ceiling limit of Rs. 1,50,000/- as defined u/s 80CCE. But in my view it is over and above the ceiling limit of Rs.1,50,000.
Dr.Gangadhar-Minimum Rs.6,000 and minimum contribution per year must be 4. Hence, one can't invest Rs.6,000 as a one-time lump sum investment.


text:
William Barr:
The New Alyssa Farah
The ex-AG wants to portray himself as an expert in all things classified and pre-judge Trump's guilt. But when he could have shown that mishandling classified material is a serious crime, he punted.
By Julie Kelly
To no one's surprise, Alyssa Farah, Mike Pence's former press secretary, is the newest panelist on "The View." Farah replaces Meghan McCain, who quit the show last year after suffering from postpartum depression and nonstop bullying by her leftist co-hosts, she claimed.
Farah, however, will pick up where McCain left off: using her voice as the only alleged "conservative" to bash Donald Trump and his supporters. She's been auditioning for the role on the daily talk show ever since she left the White House in late 2020, following a well-trodden path that promises fame and fortune to Trump associates who turn on their former boss. Betrayers earn lucrative book deals, glowing coverage in corporate media, "exclusive" interviews on CNN, and newfound respect from one-time enemies.
Such appears to be the case with former Attorney General William Barr. Picked by Trump in the spring of 2019, Barr, who served in the same role under President George H. W. Bush, initially said all the right things about the need to clean up a compromised, partisan Department of Justice. Barr shut down Special Counsel Robert Mueller's two-year witch hunt into imaginary Trump-Russia election collusion, a probe that resulted in no criminal charges related to its original mission.
Barr openly worried that a "Praetorian Guard mentality" at the Department of Justice and FBI propelled the unprecedented surveillance of Trump and his campaign team during the 2016 election.
"They identify the national interest with their own political preferences, and they feel that anyone who has a different opinion, you know, is somehow an enemy of the state," Barr told CBS News reporter Jan Crawford in May 2019, the same month he assigned U.S. Attorney John Durham to probe the origins of Crossfire Hurricane.
"It's just as dangerous to the continuation of self-government and our republican system that we do not allow government power, law enforcement or intelligence power, to play a role in politics, to intrude into politics, and affect elections," Barr said, referring to concerns over foreign election interference.
But the well-known bagpiper has changed his tune, and dramatically so. Suddenly, Barr says, the danger to the republic is not posed by blatantly partisan prosecutors and investigators exercising unchecked authority to "play a role in politics" but by Donald Trump. The "Praetorian Guard mentality" he once condemned now, apparently, is a welcome use of government power that should not be challenged by anyone, including a federal judge.
Since the FBI raid at Mar-a-Lago on August 8, Barr has been on a nonstop publicity tour, acting as the guardian of the current Praetorian Guard. Downplaying the unprecedented nature of the raid, Barr sneered that "it's also unprecedented for a president to take all this classified information and put 'em in a country club," an absurd description of Trump's private residence.
Barr also mocked the idea that Trump could unilaterally declassify thousands of government documents: "If he stood over scores of boxes, not really knowing what was in them and said, 'I hereby declassify everything in here,' that would be such an abuse and show such recklessness that it's almost worse than taking them," Barr said last week.
In a jaw-dropping interview with Fox News on Tuesday, Barr inveighed against U.S. District Court Judge Aileen Cannon's September 5 order to appoint a special master—a matter he earlier described as a "red herring"—to review records taken by the FBI during the nine-hour pillage in Palm Beach. Her ruling was "wrong" and "deeply flawed," Barr concluded, though he offered no specific reasons.
Naturally, Barr urged the Justice Department to appeal the decision. "The fundamental dynamics of the case are set, which is the government has very strong evidence of what it needs to determine whether charges are appropriate, which is government documents were taken, classified information was taken and not handled appropriately, and there was evidence to suggest they were deceived," Barr told Martha McCallum. He also claimed Cannon's ruling would be overturned on appeal. (Late Thursday afternoon, the government did just that.)
So, what gives with Barr? Is he, like Farah and so many before her, hoping to land a gig as a cable news "legal analyst" where all of his opinions just happen to support whatever lawfare is waged against Trump? Is he trying to sell more books? Or is he just trying to get revenge against Trump for some undisclosed reason?
It's unlikely Barr will answer those questions, nor will any reporter ask. But other questions demand Barr's response, not the least of which is why he waited until October 2020 to appoint John Durham as special counsel to investigate the "Praetorian Guard"? Why did Barr fail to hold a single Russian collusion perpetrator criminally responsible during his 18 months as head of the Justice Department? Where was the wide-ranging fraud, conspiracy, and obstruction case?
Further, why did Barr decline to prosecute former FBI Director James Comey for handling and sharing government records, including some that contained classified or confidential information? Similarly, why did Barr refuse to charge former FBI Director Andrew McCabe for lying to federal investigators about his own involvement in sharing classified information related to a criminal investigation? And why didn't Barr find the Justice Department officials who leaked classified information about the FISA warrant on Carter Page to the Washington Post, among other high-level illicit leaks?
Barr may now attempt to portray himself as the expert in all things classified and pre-judge Trump's guilt accordingly. But when Barr had the chance to send a message that keeping, sharing, and leaking classified government material is a serious crime deserving of serious consequences, he punted every time.
Perhaps his Alyssa Farah routine is convincing some viewers that his tough-on-classified-crime stance is legitimate. But only those who don't know Barr's recent and failed history.
About Julie Kelly
Julie Kelly is a political commentator and senior contributor to American Greatness. She is the author of January 6: How Democrats Used the Capitol Protest to Launch a War on Terror Against the Political Right and Disloyal Opposition: How the NeverTrump Right Tried―And Failed―To Take Down the President. Her past work can be found at The Federalist and National Review. She also has been featured in the Wall Street Journal, The Hill, Chicago Tribune, Forbes, and Genetic Literacy Project. She is the co-host of the "Happy Hour Podcast with Julie and Liz." She is a graduate of Eastern Illinois University and lives in suburban Chicago with her husband and two daughters.
Photo: Michael Reynolds-Pool/Getty Images

redpajama_set_name: RedPajamaCommonCrawl


Running on its third year, NIAT Philippines will host the 3rd BOOKKEEPERS SUMMIT MANILA 2018 on October 20, 2018 from 12:00 noon to 5:00 PM at JY Campos Hall Bayanihan Center Kapitolyo, Pasig City. This event is a one-day conference dedicated to Certified Bookkeepers and Accounting Technicians. The event is open to all local and international bookkeeping professionals to be updated with topics and concepts for them to provide a trusted and exemplary service to a business.
The Bookkeepers Summit is the very first bookkeeping conference in the Philippines. This conference will feature a mix of industry veterans and over 900+ highly competent individuals comprising of CPAs, Accounting Professionals, and Accounting students. Plus, Participants will get a chance to grow their network and converse with like-minded professionals.
WhenInManila.com is the official media partner of National Institute of Accounting Technicians Philippines for this event.
Be a part of the largest gathering of bookkeeping and accounting professionals in the country!


GAROWE, Somalia March 25, 2013 (Garowe Online)-Puntland government in northern Somalia voiced concern over the relations between Al Qaeda linked Al Shabaab group and Somaliland's separatist administration, branding the two twins and close friends, Garowe Online reports.
"Puntland security agencies have been put on standby and are on high alert for possible terror attacks. Al Shabaab receives support and warm welcome from Somaliland because Al Shabaab and Somaliland are twins," Puntland Security Minister Hassan Osman Alorre said in an interview with Puntland-based independent station, Radio Garowe on Tuesday.
When asked about the arrival of hundreds of Somaliland troops in Sanaag region and the recent visit to Laasqoray coastal town by Somaliland leader Ahmed Mohamed Mohamud (Siilaanyo), Allore went on to say: "Somaliland [forces] haven't reached Baran, they are in Erigavo and its surroundings. Those areas are roamed by fugitive Al Shabaab members from southern Somalia and as you know Al Shabaab is too hostile to Puntland but Al Shabaab militants have gained free means of access to Puntland from Somaliland. They [Somaliland and Al Shabaab] keep each other safe".
"If he was rather keen on Laasqoray, he would remain in the town. What are those pledges? The native residents are Puntland people," added Security Minister while he was talking about pledges made for Laasqoray residents during Somaliland President's visit.
Meanwhile, speaking to reporters in Somaliland capital of Hargeisa the chairman of Somaliland's House of Elders Salaban Mohamud Adan (Saleban Gaal) noted that Somaliland is not ready to wage war on Puntland, calling on Puntland government officials to work for the common good.
Puntland President Abdiweli Mohamed Ali Gaas on Monday accused Somaliland of financing Al Shabaab fighters operating in Galgala area near Golis Mountain ranges in northern Somalia.
President Gaas today toured Puntland defense forces on the frontline in Galgala near Bossaso Port city where deadly battles have been taking place since mid-2010 when Al Shabaab militants honed planned assassinations, direct confrontations and bombings in Puntland.
Somaliland and Puntland have been at loggerheads over the ownership of Sool and Sanaag regions, with threats of instability lingering over the region after Somaliland militarily seized Lasanod in October 2007.
The African Union is gradually scaling back its AMISOM force from Somalia.


text:
The complex interaction of wind and water has created huge, remarkably stable dunes in the San Luis Valley of south-central Colorado. The park contains the tallest sand dunes in North America. The dunes cover an area of about 30 sq mi and are estimated to contain over 5 billion cubic meters of sand. Sediments from the surrounding mountains filled the valley over geologic time periods. After lakes within the valley receded, exposed sand was blown by the predominant southwest winds toward the Sangre de Cristos, eventually forming the dunefield over an estimated tens of thousands of years. There's also a rich cultural heritage to this park. Blanca Peak, just southeast of the dunes, is one of the four sacred mountains of the Navajo, who call it Sisnaajini (White Shell Mountain). Explore all of these wonders in both photos and text in Great Sand Dunes National Park. 32 pages.
By Stephen Trimble
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text:
Archbishop publishes Prayers for Mosul as CofE highlights eradication of Christians in Iraq
The Archbishop of York, Dr. John Sentamu, has today published three prayers highlighting the worsening situation in Iraq where Christians and Muslims are being killed by ISIS forces.
The prayers highlight the experience of Christians of Mosul, Iraq's second biggest city, where families have been forced to flee and faced execution by Salaafi militants.
The prayers are echoed by comments from the Bishop of Coventry, the Rt. Rev. Christopher Cocksworth, in a Church of England interview conducted in the House of Lords https://soundcloud.com/#the-church-of-england/religious-freedom .
Dr. Cocksworth linked the forthcoming commemorations of the 800thMagna Carta with the situations in Gaza and Mosul:
"Magna Carta enshrined religious freedom into the British identity. That charter was very important, and it is one of our great gifts to the world. It's important because this particular freedom is an early indication of human rights. Where freedom of religion is being denied, other things soon follow. Freedom of expression, freedom of association follow and other even more sinister denials of human rights follow."
Commenting on the situation in Mosul Bishop Christopher said:
"It's happening in a very, very extreme and deeply worrying and disturbing form as we hear about the ejection of Christians from Mosul and the intention to eradicate Christians in the area Isis seeks to control. The same is happening in other ways with Shi'ites and terrible persecution and inhumanity. It is really important that Christians not only are deeply attentive to the plight of our brothers and sisters across the world who are suffering persecution as Christians but also we are attentive to wherever this right, this God given gift is being denied.
"It's important for us to stand together with other groups who are being persecuted and repressed and where their rights are being reduced and limited, so that we stand together and so that Christians can speak for Muslims and Muslims can speak for Christians and so on and we apply that right across the world."
The Archbishop of York's prayers are reproduced below and can be found here: http://www.archbishopofyork.org/pages/prayers-for-the-people-of-mosul.html
The interview with the Bishop of Coventry can be found here: https://soundcloud.com/#the-church-of-england/religious-freedom
Prayers for the People of Mosul:
Lord, in this city where Christians and Muslims have lived together for over 1400 years, we pray for healing, peace and restoration. Bring light out of this present darkness and hope from despair that guided by your Holy Spirit, all your children may find a new way forward together based on your love for us all. Amen
Holy God, your Holy family was driven into exile and many holy innocent boys were massacred, we hold before you today the suffering people of Mosul. Amen
Hold in your loving arms, all those who have been caught up in this conflict. We pray for those forced to flee their homes, all who have lost friends, family and possessions and who now face an uncertain future. Bless our Christian brothers and sisters who have seen the destruction of their churches and communities and for our Muslim neighbours who have also experienced destruction and suffering. Amen


text:
Q: Onchange event in while country change in magento 2 I need to change city field as a select field while change country name as India. otherwise, it shows text field.
I follow  this link use @Idham Choudry answer, but its throw Uncaught TypeError: mixing is not a function
what I did:
Create requirejs-config.js in your Namespace/Module/view/frontend
var config = {
    config: {
        mixins: {
            'Magento_Checkout/js/action/set-shipping-information': {
                'Namespace_Module/js/action/set-shipping-information-mixin': true
            }
        }
    }
};

then create set-shipping-information-mixin.js in Namespace/Module/view/frontend/web/js/action/
        define([
        'jquery',
        'mage/utils/wrapper',
        'Magento_Checkout/js/model/quote',
        'Magento_Checkout/js/model/shipping-service',
        'Magento_Checkout/js/model/shipping-rate-registry',
        'Magento_Checkout/js/model/shipping-rate-processor/customer-address',
        'Magento_Checkout/js/model/shipping-rate-processor/new-address',
    ], function ($, wrapper, quote, shippingService, rateRegistry, customerAddressProcessor, newAddressProcessor) {

        $(document).on('change',"[name='country_id']",function(){
           //for country
           alert("country Changed");
           console.log("country Changed");
        });

        $(document).on('change',"[name='region_id']",function(){
           //for province or region
           alert("state Changed");
           console.log("state Changed");
        });
    });

Suggest me,

*

*How Magento 2 did, while country change, then That Country related State is there in directory_country_region table means, its change select field, otherwise, its show text filed and which file handle this functionality, I need to do same thing to in my case.

*what's error in my code and how to fix this.
Note: I am using Magento 2.1.7

A: I found the solution for mixins JS issue. This worked for me.
Create requirejs-config.js in your Namespace/Module/view/base/requirejs-config.js
var config = {
    'config': {
        'mixins': {
            'Magento_Checkout/js/action/set-shipping-information': {
                'Ktpl_CheckoutWarning/js/hook': true
            }
        }
    }
};

then create set-shipping-information-mixin.js in Namespace/Module/view/base/web/js/hook.js
define([
    'jquery'
], function ($) {
    'use strict';
    console.log("Called this Hook.");

    $(document).on('change',"[name='country_id']",function(){
        alert("Hi");
    });

    return function (targetModule) {
        targetModule.crazyPropertyAddedHere = 'yes';
        return targetModule;
    };
});

Run Setup upgrade and content-deploy command. Let me know if you face any other. To verify this Check-in console it will show "Called this Hook."
Thanks to this blog.
You can check this reference also.

A: You can include the quote as a dependency in your mixin (or new component) and subscribe on the shippingAddress like this:
define([
    'ko',
    'uiElement',
    'jquery',
    'Magento_Checkout/js/model/quote',
    'domReady!',
], function (ko, Component, $, quote) {
    'use strict';

    return Component.extend({

        initialize: function () {
            this._super();
            quote.shippingAddress.subscribe(this.shippingAddressObserver.bind(this));
        },

        shippingAddressObserver: function (address) {
            if(address.countryId == "IN") { //Not sure what the country ID of india is
                // Your logic
            }
        }
    });

redpajama_set_name: RedPajamaStackExchange


text:
Rockets' Plan Backfired, Lose Big To Clippers; Down 3-1
Ben Rummage | Staff Writer May 10, 2015 Live Game Stats, NBA Reports, NBA Scores No Comments
[wptab name='Recap']
DeAndre Jordan of Clippers in Game 4.
LOS ANGELES (Sporting Alert) — The Los Angeles Clippers are one win away from making a franchise maiden conference finals after they beat the Rockets 128-95 in Game 4 of the Western Conference semi-finals on Sunday. Box score
DeAndre Jordan, who went to the free throw line 34 times for the game and a record 28 times for a half in the first half, finished with 26 points and 17 rebounds to lead the way for the Clippers, who took a 3-1 lead in the best of seven game series.
"I was just trying to make as many (free throws) as I could for our team, and on the other end just try to get us as many stops as I could in a row," said Jordan.
"Every time that we've gotten the lead and went on a run, we were able to get stops and limit those guys to one shot and get out and run and do what we want to do, and we were able to convert."
Blake Griffin had 21 points and eight rebounds for Los Angeles, which had six players scoring in double-digits.
Chris Paul addresses the media after Game 4 win! Live → http://t.co/eHSwwbRNK9 pic.twitter.com/ESBy9n1lSC
— Los Angeles Clippers (@LAClippers) May 11, 2015
"The best part about today's game was how we responded after the half, came out and did such a great job of defending and getting out and getting easy buckets," said Griffin.
J.J. Redick scored 18 points and Chris Paul added 15 points and 12 assists for the Clippers, who were 37-of-63 from the free throw line.
James Harden led the Rockets with 21 points, eight rebounds and six assists, with Trevor Ariza finishing with 18 points and eight rebounds.
Houston now knows they are on the brink of elimination.
"This is the ultimate adversity right now," Harden said. "We've got Game 5 back at the house and it's really win or go home.
"Our backs are against the wall, and we've got to show up."
Dwight Howard fell in early foul trouble and it came back to haunt him as he played just 18 minutes before fouling out with seven points and six rebounds in the defeat for Houston.
Doc Rivers addresses the media after Game 4 win! Live → http://t.co/eHSwwbRNK9 pic.twitter.com/mENlZRwAV4
Howard fouled out and then got a technical foul for an ejection with 9:52 left in the fourth quarter. The Clippers were already running away with the contest, being up 110-81 at the time of him departing.
Jason Terry ended with 16 points for the Rockets.
Clippers led the Rockets 60-54 at half time.
Meanwhile, Rockets coach Kevin McHale revealed that he decided to start the Hack-A-DJ madness early because Howard go in foul trouble early and they needed the slow the pace of the game down.
Game 5 in the series in Houston on Tuesday.
Reporting by Micah Disney, SportingAlert.
————————————-END—————————————–
DeAndre Jordan goes way WAY up for the OOP! #NBAvine @LAClippers https://t.co/daKgYVMk9R
— NBA (@NBA) May 11, 2015
Clippers v Rockets Game 4 coverage
DeAndre Jordan and Blake Griffin each have 12 points and the Clippers lead the Rockets 60-54 at half-time in Game 4 of the Western Conference semi-finals.
Jordan has been sent to the free throw line a staggering 28 times, which is an NBA record for a half. It erased Shaquille O'Neal's previous mark of 27. O'Neal has also shot an NBA playoff record 39 free throws in 2000 against Indiana.
Chris Paul has eight points and six assists and Jamal Crawford also has eight points off the bench for the Clippers.
Trevor Ariza has 15 points seven rebounds, while Terrence Jones and James Harden each have 10 points for the Rockets.
Howard, who already has three fouls exits the contest in the second quarter with 8:19 left, having played just 7 minutes.
Early Second Quarter Run
Austin Rivers, so much Austin Rivers. 5 quick points followed by a Jamal Crawford three. Clippers take a 38-37 lead in the 2nd. 🔥
First-Quarter Updates LA Clippers 30, Houston 33
NBA Half-Time: Clippers v Rockets
Hou: J. Harden 10 Pts, 1 Reb, 1 Ast
LAC: C. Paul 5 Pts, 2 Reb, 3 Ast, 1 Stl
Live TNT | TNT Overtime Live Stream
Line: LAC -6.5 Live GameCast and Live Box Score
Houston Rockets lead the Los Angeles Clippers 33-30 at the end of the first quarter in Game 4 of the Western Conference semi-finals.
Dwight Howard fell into early foul trouble after picking up a quick two, and was forced to sit on the bench midway through the opening 12-minutes.
James Harden hit both his three-pointers on his way to scoring 10 points for the Rockets. He went 3-of-3 from the floor in the opening stanza.
Trevor Ariza also has 10 points for the travelers.
DeAndre Jordan has nine points for the Clippers and has already gone to the free throw line 14 times.
He's made seven of those for 50-percent. Both teams are showing over 56-percent from the floor and have 14 points each in the paint.
Happy Mother's Day from the @LAClippers! http://t.co/z5AwqDhxHB — NBA TV (@NBATV) May 10, 2015
Photos: Pregame Clippers vs Rockets | Round 2 Game 4 View photos: http://t.co/EoGMRuwCa5 pic.twitter.com/N1hbSRcZJ4
[/wptab]
[wptab name='Preview']
Chris Paul to start again for Clippers: Twitter
HOUSTON (Sporting Alert) — Chris Paul will start again for the Clippers against the Rockets in their Western Conference battle, but the guard is expected to have minutes restriction for Game 4.
Houston Rockets v Los Angeles Clippers
Game 4, 7:30 PM CT, May 10, 2015
Line: LAC -6.5
Live GameCast and Live Box Score
Paul picked up a left hamstring injury in Game 7 of the San Antonio Spurs series and had to sit-out Game 1 and Game 2 of this current series with Houston.
He returned to score 12 points and seven assists in the 124-99 victory in Game 3, but was restricted to just 23 minutes.
"He actually felt better today," head coach Doc Rivers said. "That was the best sign of the whole game."
Paul confirmed that he is good to go.
"I'm cool, I'm good, I'll be ready for tomorrow (today)," Paul said. "There's no speculation, probable or questionable. I'm playing tomorrow."
On Sunday, the All-Star point guard is set for another minutes limitation outing, which will allow Rivers to continue to use son, Austin Rivers, who saw 23 minutes off the bench in Game 3 and scored 25 points on 10-of-13 shooting.
Paul is averaging 21.4 points, 7.8 assists and 2.0 steals from eight games in this postseason.
"For me, it was about getting out there and trying to be that leader," Paul noted. "I tried to pick my spots as well as possible, but we still played through Blake [Griffin] as we should.
"He's been our MVP in this series and we're going to keep playing through him like we do."
J.J. Redick, who exploded for a season-high 31 points, Blake Griffin (22) and DeAndre Jordan, who added 15 rebounds in the win the last time out, are expected to play important roles again in Sunday night's contest for the role team as well.
The LA Clippers shot an impressive 55.4 percent from the field, outscored the Rockets 23-19 on fast break points, as well as outrebounded the hosts 50-43 in Game 3.
James Harden and the Rockets will be desperate to even the series before heading back to Los Angeles for Game 5.
"We just let go of the rope and they piled on us," Rockets coach Kevin McHalesaid. "We got rattled in that third quarter. Our team defense went to hell."
Harden had 25 points and 11 assists in Game 3, but missed some crucial shots and had five turnovers in the defeat, as Houston shot 39.8 percent from the floor.
[end_wptabset]
MICAH DISNEY | Staff Writer NBA Scores
Rockets Take 56-46 Halftime Lead Over Clippers: Game 7
Kim-Wellington Live Game Stats, NBA Schedule
Wade Still out: Miami Heat v Brooklyn Nets Watch on TNT Overtime
Milton Blake, College Sports Writer NBA Reports
College Basketball Scores: No. 5 Iowa Beats Illinois 77-65: Feb. 7
Warriors vs Grizzlies Live, TV Channels; Stream
KOBY FRANZ | Staff Writer Live Game Stats, NBA Schedule
Live Streaming on ESPN/WatchESPN: Pacers v Wizards; Clippers v Thunder
Kim-Wellington Featured, NBA Reports
NBA Preseason: Pelicans and Hornets Score Wins
Ben Rummage | Staff Writer
Ben Rummage: Living the good life and enjoy doing what I like to do. Glad to be done with school -- now I can concentrate on doing what I love to do!!


text:
Bo Jangles and the Renegade is a Short Read series following a purebred pet and mixed-breed stray as they try to navigate their relationship from friendship to lifelong partners. The first installment, Long-Shot Gamble, was published in 2020. Six more are planned to follow. Once the seven are complete, a collection will be available in print.
Genre: LGBT romance, anthropomorphic fiction
Setting(s): USA
Installments: 7
Book One on Goodreads
Book One on Amazon
Bo Jangles and Renegade are two dogs from different walks of life who grew up inseparable from childhood. As adults, they discover their close friendship has become an attraction neither wants to deny. But can they learn to compromise enough for this budding romance to thrive, or will they lose more than a lover can provide?
1: Long-Shot Gamble
"I'd rather a full meal in freedom than half one in bondage."
"It's the other way around…"
Bo Jangles, a terrier-mix, was born a street dog, footloose and collar-free. Renegade, a purebred Doberman, the complete opposite. Yet the two dogs had been inseparable since they met as young pups. Both sampled the other's lifestyle, but while Ren lived chained to one human, Bo was content floating from one to the next like a butterfly in a garden. Close as the two dogs are, Bo can't help wanting to be closer still. He cannot imagine life without Ren in it.
And that is just the problem. A well-known "gay dog", Bo has broken almost as many hearts as his father before him. How could his best friend, who knows him better than anyone else, ever believe the ladykiller is in love? Especially when the rounder cannot abide chains in love any more than he can in life? It would be a long-shot gamble, one Bo's not sure he's willing to risk.
But fate, and Ren, just might take the choice out of his paws.
"What if what the fans want to happen did happen? What would a version of the story like that be?" I'm sure you can guess just what pairing in a popular anthropomorphic romance inspired the concept. A stray mixed-breed terrier and a purebred Doberman? Well, that was just a small twist on the tale. Could I do it? Well, I was ready to try.
OLD CHARACTERS, NEW STORY
Renegade and Bo Jangles both predate the concept by at least a decade. I've been trying to straighten out what I can only call "the longest game of storytelling Jenga" otherwise known as my existing characters and concepts. When I started poking the idea for what became Long-Shot Gamble, I decided I'd rather not create new characters. Who did I have that would fit? And I landed on these two, who in older drafts were already friends and had the dynamic I needed. Step One, complete.
LONG-SHOT GAMBLE
Then came the hard Step Two. Long-Shot Gamble was aptly titled. A "short read"? A story written without tying it down to half of Crystal Prism? What was I doing? In the end, I wrote a slice of life three-thousand plus words story showing our heroes in their element. It was sweet, entertaining, and a good taste of what kind of stories to expect from Crystal Prism. I call that a success.
BOOK TWO? WHEN? WHEN?!
Because Bo Jangles and the Renegade is part of a larger narrative, I haven't sat down to do the second book just yet. Some minor details still need to be finalized. I have the seven-story arc planned out but need to make sure it doesn't contradict other stories set in the same location. I honestly also need to nail down where that location is. Long-Shot Gamble was written to be almost an Everytown, USA. Time will tell if this stays the case. Best answer: Book Two will come once I wrap up other projects, or Long-Shot Gamble hits the bestseller list.


text:
Bahia Corinthian Yacht Club Names 2019 Commodore
By : Newport Indy Staff
Tag: bahia, Bahia Corinthian Yacht Club, BCYC, beach, boat, boating, club, commodore, corinthian, harbor, newport, Newport Beach, Newport Harbor, sail, sailing, steve moffett, yacht, yacht club
At its annual meeting on Sunday, Bahia Corinthian Yacht Club in Newport Beach announced longtime member and racer, Steve Moffett, will take the helm as its 2019 Commodore.
Moffett joined BCYC in 2010 and has served on the Board of Directors for the past four years. An active boater, he grew up in Long Beach, learning to sail at age 5 out of Alamitos Bay Yacht Club and Leeway Sailing Club. He has owned and raced Sabots, FJs, J24s and Etchells.
Longtime member Steve Moffett was named the 2019 Commodore for Bahia Corinthian Yacht Club in Newport Beach.
— Photo courtesy BCYC
His sailing experience includes crewing on larger boats in races such as Congressional Cup, Transpac, Pacific Cup and many races to Mexico. He currently cruises his 46-foot sailboat named Tempest.
"Becoming Commodore of BCYC is something I've been looking forward to all year," said Moffett, who noted that "2019 is going to be a great year for BCYC and its members. We have lots of activities scheduled to appeal to racers, junior sailors and recreational boaters. We strive to offer engaging activities for members of all ages, boaters and non-boaters alike. After all, we are the friendliest club on the bay!"
During his years at ABYC, Moffett was actively involved as a Flag Officer, Fleet Captain of many fleets and Chairman of almost every committee. He chaired racing programs, Junior Programs, Facilities, Long Range Planning and Financial Committees. He was very involved with the 1984 Olympic Sailing venues which were staged in Long Beach and became Commodore of ABYC in 1994.
Moffett brings an extensive background in yacht club management and institutional organization. His broad sailing background will strengthen the racing, cruising and boating activities at BCYC, and his financial management skills will help ensure the continued prosperity of BCYC.
A graduate of CSU Long Beach with a degree in Financial Management, Moffett is owner of A Better Property Management Co., a real estate management company in Long Beach. He and his wife Lauri currently reside in Long Beach. They have four children and five grandsons.
For more information, visit bcyc.org.
Balboa Island Holiday Homes on Display in Annual Tour
Local Focus: Ten Days of Silence Changed This Doctor's Life
Breakers Off to Tough Start, Headed Home This Weekend
, By Newport Indy Staff
Calendar: City, County Meetings and Events
GovCup Kicks Off Next Week
Harbormaster's Report


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furkans's list | timeline
ICSMO--Ei Compendex, Scopus 2021 2021 The 9th International Conference on System Modeling and Optimization (ICSMO 2021)--Ei Compendex, Scopus
Feb 3, 2021 - Feb 5, 2021 Budapest, Hungary Jan 5, 2021
AAME--EI, Scopus 2021 2021 the 4th International Conference on Aeronautical, Aerospace and Mechanical Engineering (AAME 2021)--EI Compendex, Scopus
Feb 26, 2021 - Feb 28, 2021 Sanya, China Jan 10, 2021
CMC 2021 7th International Conference on Control, Modeling and Computing
Jul 24, 2021 - Jul 25, 2021 London, United Kingdom Jan 23, 2021
ASAT 2021 19th International Conference on Aerospace Sciences & Aviation Technology (ASAT-19)
Apr 6, 2021 - Apr 8, 2021 Cairo, Egypt Feb 1, 2021 (Oct 31, 2020)
SCOPUS-CSMO 2021 5th International Conference on Simulation, Modeling and Optimization (CSMO 2021)
Apr 16, 2021 - Apr 18, 2021 Hangzhou, China Feb 15, 2021
IEEE--ICCSSE--Ei Compendex & Scopus 2021 IEEE--2021 7th International Conference on Control Science and Systems Engineering (ICCSSE 2021)--Ei Compendex & Scopus
Jul 30, 2021 - Aug 1, 2021 Qingdao, China Feb 15, 2021
ICCSM--Scopus, EI 2021 2021 5th International Conference on Computer, Software and Modeling (ICCSM 2021)--Scopus, EI Compendex
Jul 21, 2021 - Jul 23, 2021 Rome, Italy Feb 25, 2021


Preheat oven to 180℃, grease the baking pan with some canola oil.
Combine the grated carrots and oil in a bowl, pour in the beaten eggs and mix together.
Mix the flour, sugar, cinnamon, ginger powder, baking powder and baking soda in another bowl.
Pour the wet ingredients in the dry ingredients and stir until combine.
Whisk the cream cheese frosting ingredients together and pour on the carrots when the cake reaches the room temperature.


text:
Baggies look to put Robins under fire on Boxing Day
23 Dec 2022 1 Jan 2023
Bristol City v West Bromwich Albion; Ashton Gate, Monday 26th December 2022, 3pm
Carlos Corberán takes his team to Ashton Gate on Boxing Day looking to start a new winning run after the last one was rudely interrupted by the defeat at Coventry on Wednesday evening. Albion will be backed by a second successive sell out following away from home and those making the short trip down the M5 will be hopeful of a better result.
While the Baggies were a little below par at the CBS Arena, Coventry were one of the best sides that we have faced this season based on that performance, and I would not expect Bristol City to offer the same test. Nevertheless, Albion will need to improve on Wednesday's performance if they are to come away from Ashton Gate with all three points.
This match represents the first match of the second half of the season and, for once, Albion have played every other team once. Nigel Pearson's side were victorious at the Hawthorns in October in what was one of Steve Bruce's final games in charge. Since then, the Robins have only won once, a 3-1 at Rotherham United earlier this month, and their last home win was a 2-1 win over Preston North End in early October. That means it has been a six match winless run at Ashton Gate for City including an ignominious 3-1 defeat in the League Cup at the hands of Lincoln City and a 2-1 defeat to Stoke City last weekend.
When City won at Blackburn on 3rd September, they were third in the table but only three wins in the fifteen league games since then has seen them drop to 18th place, two places and two points below the Baggies.
It was a surprise when Corberán made just one change to the starting line up for Wednesday's match and I would expect there to be one or two more for Monday's match. The Spaniard will undoubtedly have one eye on the two home games that follow in the week after the trip to Bristol so he will want to ensure the players are kept as fresh as possible.
While he defended his decision to play both Rogić and Swift on Wednesday, I would expect at least one of them to drop out of the side this time around. Okay has been one of Albion's strongest performers in recent games and, assuming his fitness is holding up (and there are no signs that it isn't), I would expect him to start alongside Jayson Molumby. If he feels both Swift and Rogić need a rest, he may even play TGH as a ten as he finished the game on Wednesday, but that would be a surprise. I feel that Grady Diangana deserves a start, assuming he is fully over the illness that kept him sidelined, while I expect Dike to get his turn to start the game.
There could be more changes at the back. Semi Ajayi was a surprise name on the bench on Wednesday while Bartley, who was supposedly closer to full fitness, was a surprise omission. Both could be involved this time, but whether either will start is unclear. Pieters and O'Shea have done pretty well in recent games, the Dutchman's rash challenge for the penalty on Wednseday aside, and if one of the regular centre backs does come in, I half expect Pieters to take Townsend's place at left back.
Whatever the line up, I have faith in Corberán that the players will be given a plan to beat the opposition that will be achievable. I'm sure he will have learned a lot from Wednesday and while he is not infallible, I feel sure he will get it right far more often than he gets it wrong.
If Albion are to make the playoffs, they need to target six points from each group of three games – personally, I think that seven or nine is a realistic target for the next three, starting with a win on Monday.
Finally, can I take this opportunity to wish all my readers a very Merry Christmas and a prosperous 2023!
Albion's last victory at Ashton Gate was a few weeks before the COVID pandemic shut down football and was one of the best performances under Slaven Bilić. According to WhoScored.com, nine of the starting eleven were rated higher than 7/10 with three players, Hal Robson-Kanu, Conor Townsend and Jake Livermore rating higher than 8/10. Hal Robson-Kanu won man-of-the-match with his brace, the second of which, it should be remembered, came after Romaine Sawyers was sent off. Callum Robinson scored the opening goal on that occasion in a 3-0 victory that is Albion's best result at Ashton Gate.
There have been a number of Boxing Day fixtures between the sides, two of which have been in Bristol. The most recent of those was in Division One in 1977 when Tony Brown gave the Baggies a third minute lead only for second half goals from Gerry Gow and Tom Ritchie (2) to earn the hosts a 3-1 victory.
The previous occasion was a Division Two fixture in 1928 – the sides had met on Christmas Day at the Hawthorns, with the game finishing 1-1, but the following day, Albion came out on top in what was an exciting encounter. Stan Wood gave Albion an early lead before Cecil Blakemore equalised for the hosts before the break. Wood grabbed his second early in the second half but the Robins drew level again five minutes later through Jimmy Dickie. The game was finally decided in the 78th minute when Jimmy Cookson fired home for Albion to make the final score 3-2.
The only other time that Albion have scored three at Ashton Gate was in September 1998 when a Lee Hughes double and another from James Quinn earned Denis Smith's team a 3-1 win, City's goal scored by Julian Watts.
Stat Attack
W W W W W L
L D L D W L
All competitions; most recent game on the right
18 Oct 2022 – League Championship
West Brom 0
Bristol City 2 (Williams, Wells)
Last meeting at Bristol City
19 Mar 2022 – League Championship
Bristol City 2 (Wells, Weimann)
West Brom 2 (Grant (pen), Reach)
Last win
West Brom 3 (Hugill, Bartley, Grant)
Bristol City 0
Last win at Bristol City
22 Feb 2020 – League Championship
West Brom 3 (Robinson, Robson-Kanu (2))
Albion's Record against Bristol City
League 47 20 13 14 73 52 23 7 6 10 28 29
FA Cup 5 3 2 0 12 6 2 1 1 0 2 1
League Cup 2 0 1 1 2 3 1 0 0 1 0 1
Other 1 0 0 1 0 1 1 0 0 1 0 1
Total 55 23 16 16 87 62 27 8 7 12 30 32
Battling Baggies beaten by late penalty
Albion's Second Tier Season Comparison – 24 games


text:
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IIT Conference in the Bay area
by Darshana V.Nadkarni | Jun 25, 2007 | Business, Features | 0 comments
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The theme of IIT alumni transforming the world through technology is a fitting one for the Pan IIT Conference to be held at the Santa Clara Convention Center, July 5-8. The conference will "showcase the impact of the IITs and its alumni, in driving innovation, creating new enterprises, and enabling social transformation," says Sanjiv Sahay, conference chair and CEO of Zirana.com. The presence of keynote speakers such as Senator Hillary Clinton, GE CEO Jeff Immelt, and Vodafone CEO, Arun Sarin is testimony to the impact of IIT alumni. Other luminary speakers will include Nobel Laureate, Arno Penzias, Robert Birgeaneau, Chancellor, UC Berkeley, William Brody, President, Johns Hopkins University, Jared Cohon, President, Carenegie Mellon Unvierstiy, and venture capitalist Vinod Khosla. These experts drawn from science, technology, political, academic, and social realms will "explore the frontiers of new thought, and identify the big forces and trends that are yet to come," says Sahay.
The Indian Institutes of Technology, or IITs, are a group of seven autonomous engineering and technology institutes declared as institutes of national importance by the Government of India. Collectively, they are regarded amongst the leading educational institutes in the world. The IITs were showcased on 60 Minutes in 2003, when the first Pan IIT conference was held in California, with Bill Gates as the chief keynote speaker. Pan IIT-USA is an umbrella entity representing the alumni organizations for all the IITs, with a stated goal of building the IIT brand, enabling alumni networking, and giving back to the IIT's and India more broadly. The annual conference venue now rotates between India and America.
The IIT community has been at the forefront of creating impact in the business world, and this is driven home by alumni panelists like McKinsey's Rajat Gupta, Desh Deshpande, CEO, Sycamore, and entrepreneur and philanthropist, Kanwal Rekhi. Contributions of women in the IITs will be the special focus on the first day, July 5. "Despite women graduates being among the minority in the IITs, they have made important contributions," says Rahul Bhargava, a conference organizer and Director at PayPal. "Day Two of the conference is focused on alumni interactions with batch reunions and fun events for spouses," says Sachin Maheshwari, a conference organizer. Attendees are traveling from all over the world and conference organizers recommend locking down travel plans to avoid disappointment. Attendees like Milind Dange, class of 1983, IIT, Bombay, now CEO of Optimal Manufacturing in Florida, are, "looking forward to getting reenergized and inspired from hearing the speakers and the success stories, and to renewing old bonds face to face, that is otherwise difficult due to geographical distances."
This year, almost 4000 attendees with the majority of them being IIT alumni and spouses, will get together "to celebrate successes and accomplishments, renew bonds with fellow alumni, faculty and their families, and make new connections," said Bhargava. However, said Bhargava, "we do not wish to be exclusive, and the conference is open to non IITians as well, who will also enjoy networking with like-minded people who share similar interests."
Lest anyone assume that it will be all work and no play, after busy days filled with listening to keynote speeches, panelists, and professional networking, attendees will "get to kick back and relax in IIT hostel-style while reconnecting with others. They will also enjoy excellent entertainment in the evenings. Stand-up comedy, with a live DJ will entertain guests on Friday, while esteemed classical music artists will perform on Saturday evening," said Sahay. For registration, www.iit2007.org
Thursday July 5-Sunday July 8. Santa Clara Convention Centre, 5001 Great America Pkwy., Santa Clara. www.iit2007.org
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Q: wp_enqueue_style in Plugin
Possible Duplicate:
Where is the right place to register/enqueue scripts & styles

When I enqueue a css style in a plugin like so:
function add_my_stylesheet()
{
    wp_enqueue_style( 'myCSS', plugins_url( '/css/myCSS.css', __FILE__ ) );
}

add_action('init', 'add_my_stylesheet');

Is 'init' the correct action to use? It works fine. Is there any reason not to do it this way? Is this the standard way? I want to follow the best practices.
Thank you.
-Laxmidi

A: You can use admin_print_styles for your hook, this is the preferred method for adding a style to your plugin or admin page.
add_action('admin_print_styles', 'add_my_stylesheet');


text:
Q: Not receiving emails from DocuSIgn SandBox when envelope created through the API When I upload a document using the Docusign API on the Sandbox and then send the document I do not receive any emails.
I've also logged on to the sandbox and tried to sign the document but don't have the option - status seems to be waiting for others (even though the document is only sent to my email).
When I create the envelope through the web site and send, I do get the email.
This has only started to happen in the last day or two. Had been working fine for us.
Is there a problem with Sandbox?

A: The issue was that we were passing the ClientUserId property for the Signer in the API call when creating the envelope.
I wasn't aware but this actually stops the notification emails being sent.

A: You can check Docusign system status at
https://trust.docusign.com/en-us/system-status/

A: When I wasn't received emails in the develop environment, it was because I hadn't set:
{ "status": "sent" }

...in the envelope definition. This is the documented way of indicating that you would like this envelope to be sent rather than just "created", which sets it as a draft.


Generally Wikipedia is praised for it's collective driven overload of information.
The belief in Wikipedia is widespread. Together, people seem to be capable of showing great wisdom.
Different opinions exist around collective intelligence. Opposite to the success of wisdom of the crowd we have the Hive Mind, a theory about collectives where individual voices are suppressed in the interest of the collective as a whole. Jaron Lanier gives a fine example in his 2006 essay Digital Maoism; Lanier's Wikipedia entry says he is a filmmaker, although he made only one (very bad, after his own saying) film in the early nineties. When he changes his own Wiki page into saying that he is not a filmmaker but a scholar/journalist, the entry is always corrected back to filmmaker by Wikipedia users thinking he is a filmmaker.(3) This of course frustrates Lanier and illustrates the power the collective holds over individual users.
1. Chris Anderson, The Probabilistic Age, 2005.
2. Surowiecki, James, The Wisdom of Crowds, New York: Double Day, 2004.
3. Lanier, Jaron, Digital Maoism, EDGE Magazine, May 2006.
4. Sunstein, Cass. Republic.com 2.0. Princeton: Princeton University Press, 2007.
5. Wikipedia, Conformity. This is ironic, I know, but I also feel safe in the womb of collective intelligence.