text:
Progressive Round Table
No More Pipelines
Expand and Protect Social Security
The People's Budget
Stop TPP
End Mass Criminalization
Zero Climate Emissions
Let Me Vote - Count My Vote
Stop Global Warming
Economic and Social Justice
End Corporate Rule
Healthcare Human Rights
End Wars and Occupations
PDA Radio
Benefit Kitchen
The People's Budget Quenches Thirst for Big Ideas That Work
Written by	Richard Kirsch | The Roosevelt Institute
The presidential primaries have revealed the public thirst for big, bold ideas to address stagnant wages and hopes, whether it's Bernie Sanders' audacious policy agenda or Trump's huge promises. For a detailed vision of what the federal government could do to actually address the big challenges we face, one need look no further than the People's Budget, released last week by the Congressional Progressive Caucus.
The People's Budget is a comprehensive agenda of big and not-so-big ideas, which together form a powerful, coherent program for an economy and government that works for all Americans, not just the wealthy.
The People's Budget would make major investments in creating good jobs, educating our children, stopping the disruption of our climate, changing the priorities in Pentagon spending, and restoring our democracy. It would pay for these and other public goods by turning our upside-down tax system right side up. In doing so, it would actually cut the federal budget deficit.
A core premise of the People's Budget is that every American who wants to work should have a good job that allows them to care for and support their family. The budget aims to reach full employment and makes a $1 trillion investment in infrastructure in addition to financing for clean and renewable energy. It would also make essential investments in families, like universal pre-K, funding for every child eligible for Head Start, and building more affordable housing.
In addition to boosting wages through full employment, the People's Budget calls for raising the minimum wage and the overtime threshold so companies can no longer avoid paying overtime to millions of workers. It would help working people care for loved ones and for themselves by guaranteeing paid sick days and by assisting states that establish insurance funds for paid family leave. And it would repeal the federal ban on Medicaid paying for abortions so that mothers who rely on that program for their health care can decide whether it's the right time for them to have a child.
To help all our children and young people have a brighter future, the People's Budget would build on its investment in Head Start and Pre-K by fully funding the law that establishes federal programs for K-12 education. It aims for debt-free higher education for today's and tomorrow's college students while reducing the cost of current student loans.
The People's Budget also tackles the deep racial inequities in our criminal justice system. It would provide funding for public defenders and reduce prison sentences for non-violent crimes to help those first entering the system. And to put ex-offenders on a path to success, it would increase funding for housing, job training, medical care, education, and other re-entry programs.
Any responsible budget must tackle the biggest elephant in the room and the biggest portion by far of the budget: Pentagon spending. The People's Budget would audit the Pentagon—the only federal agency that escapes accounting scrutiny. It would switch defense spending from outdated weapons—hundreds of billions spent only because of lobbying by Pentagon contractors—to modern security threats. But, mindful of its impact on workers, it would finance the transition from building bombers to bullet trains. And because America's path to peace and security depends on peace and security around the world, the budget would increase spending on sustainable development, humanitarian assistance, and diplomacy.
Mindful that so much of our spending is driven by lobbyists and campaign cash, the People's Budget would fund a small-donor matching system so candidates for Congress could compete for office without taking big money.
All that and more adds up to spending $3.4 trillion more over the next 10 years than we would under current law. Sound like a lot? Not when compared to how much revenue the People's Budget would generate by rejecting the idea that raising taxes is unpopular. In fact, raising taxes on the wealthy and closing big corporate loopholes is hugely popular with everyone outside of the super-rich and corporate lobbyists.
By asking the wealthy and big corporations to stop shirking their responsibility to support the working families that create wealth and the public structures that enable businesses to operate, the People's Budget would raise $8.8 trillion more than the budget that's in place now. How? Corporations would not be able to dodge taxes by shipping their profits overseas. Too-big-to-fail banks would be taxed. A tiny tax on Wall Street trades would discourage speculation while raising $900 billion over 10 years. Corporations would no longer be able to write off multimillion-dollar CEO compensation.
The People's Budget takes aim at climate change, too. Oil and gas companies would stop getting tax breaks for pulling more of their planet-destroying products out of the ground. A new tax on oil would finance modernizing our transportation system. More broadly, a tax on all carbon—with most of the proceeds going to investments in renewable energy—would power a 26 percent reduction in climate-destroying pollution. At the same time, families with low-incomes would be protected from the hike in oil and gas prices from taxing carbon.
The budget also asks those who make more to pay more. returning the income tax rate for the 2 percent of people making more than $250,000 a year to what it was under President Clinton. The budget would also lower the estate tax exemption to $2.5 million for an individual; while not exactly a daring proposal, this would still raise $231 billion.
To help families cover the basics and boost the economy, the People's Budget would increase both the child care tax credit and the Earned Income Tax Credit (EITC) for workers who get paid low wages. As I've explained, these tax credits boost the economy by 40 percent more than corporate tax giveaways at one-third the cost. This is also why the People's Budget would repeal the latest round of corporate tax breaks.
There's a lot more: a public option and negotiation of drug prices to bring down the cost of health coverage. Comprehensive immigration reform. The full details, including specific budget line items, are here.
Having described all that, my only complaint about the People's Budget is that it's not bold enough. I would have spent a bunch of that new $5 trillion surplus on extending health coverage to many who remain uninsured and lowering the out-of-pocket costs in many health plans. I would have also made child care, not just pre-K, available at no cost to all working families.
Of course, the People's Budget is a political statement with no chance of becoming law in the foreseeable future. But it's a political statement in the best sense, a vision of how the federal government could use the power of the purse to create an American economy and democracy that works for all of us, not just the wealthy. Without that vision, we have no chance of ever getting there.
Cross-posted from Next New Deal
Published in The People's Budget
More in this category: « Stoke Job Growth Or Choke It? The GOP Makes The Wrong Choice Again Prioritizing People, Not the Pentagon, with the People's Budget »
Latest News The People's Budget
The Age of Precarious: 6 in 10 Americans Living on the Financial Edge
'The more we learn about the balance sheets of Americans, it becomes quite alarming.'
The United States of Flint
Our outdated infrastructure will fall apart if we don't invest in repairing it — that's just physics.
Prioritizing People, Not the Pentagon, with the People's Budget
What does America stand for? Opportunity and equality? Or imperialism and greed? The fact is that every year, without fail,…
A Progressive Answer to the GOP's Regressive Budget
A federal budget is a statement about our society's values. If you believe in this notion as I do, there's…
People's Budget Formally Unveiled Amid GOP Dystopia and Dysfunction
The fiscal 2017 People's Budget was formally unveiled Tuesday by leaders of the Congressional Progressive Caucus on the same day…
Stoke Job Growth Or Choke It? The GOP Makes The Wrong Choice Again
The decision by the Federal Reserve on Wednesday to not increase interest rates right now beyond their current 0.25 to…
Why We Need The People's Budget's $1 Trillion Infrastructure Plan
Set aside for a moment concerns about political gridlock on Capitol Hill. Think about the actual gridlock that could await…
A Federal Budget That Connects the Dots and Works for All
After 20 nationally televised, occasionally entertaining, sometimes appalling debates, our presidential candidates this cycle have discussed a number of important…
The Peoples' Budget and Pentagon Spending: A Start in the Right Direction
The Peoples' Budget of the Congressional Progressive Congress (CPC) does not make the deeper cuts in the Pentagon budget advocated…
The Pro-Social Security Congressional Progressive Caucus Budget
Of all the FY 2017 proposed budgets, the Congressional Progressive Caucus People's Budget is by far the best on Social…
Investing in People Matters: A Black Man's perspective on The People's Budget
Everyone deserves equal access to affordable housing, a quality education, and gainful employment.
The People's Budget is the Greenest Option in Washington
Billions in corporate welfare. Runaway income inequality and a tax code that favors the super-rich. A military more expensive than…
The People's Budget: Pushing Us Toward a Peace Economy
The Obama administration's budget proposal for 2017 would jack up military spending higher than it's been since World War II. …
The presidential primaries have revealed the public thirst for big, bold ideas to address stagnant wages and hopes, whether it's…
Flint, MI Water Crisis Is Proof Positive That We Need Better Infrastructure and a Progressive Budget
The water crisis in Flint, Michigan is the perfect case for why our country needs more funding for infrastructure, not less.
Understanding The People's Budget Presentation
FY 2017 Executive Summary
FY 2017 Full Budget
Campaign Action Page
Congressional Visits
Thank you for supporting The People's Budget
Thank you for supporting the People's Budget from Auburn Seminary on Vimeo.
People's Budget Calls
3-31 People's Budget
Trump administration's voter suppression attempts ahead of midterms are not only 'morally wrong,' they're illegal	+
Imagine going to the polls on Election Day and discovering that your ballot could be collected and reviewed by the…	Read More
ACLU Blueprints Offer Vision to Cut US Incarceration Rate in Half by Prioritizing 'People Over Prisons'	+
ACLU Blueprints Offer Vision to Cut US Incarceration Rate in Half by Prioritizing 'People Over Prisons'	Read More
As Florence Makes Landfall, Poorest Once More Likely to Suffer Most From Storm's Destruction	+
"These disasters drag into the light exactly who is already being thrown away," notes Naomi Klein	Read More
How about some good news? Kansas Democratic Representative advances bill for Native Peoples.	+
How about some good news? Kansas Democratic Representative advances bill for Native Peoples.	Read More
How One Dying Man Changed The Debate About The Tax Bill	+
What mattered was that he showed up — that he put himself in front of the people whose opinions on…	Read More
Democrats Just Won a Major Victory in Virginia	+
On a night of Democratic victories, one of the most significant wins came in Virginia, where the party held onto…	Read More
Repealing the Jim Crow law that keeps 1.5 million Floridians from voting.	+
A seismic political battle that could send shockwaves all the way to the White House was launched last week in…	Read More
Nuclear Weapons: Who Pays, Who Profits?	+
In an interview with Reuters conducted a month after he took office, Donald Trump asserted that the U.S. had "fallen…	Read More
Sessions issues sweeping new criminal charging policy	+
Attorney General Jeff Sessions overturned the sweeping criminal charging policy of former attorney general Eric H. Holder Jr. and directed…	Read More
folder Flyers and Brochures
Healthcare Human Right
PDAction Campaigns
Expand Social Security
Email Blast Archive
Current Petitions and Advocacy
2016 Congressional Calendar
December Letter to Congress
Healthcare NOT Warfare Events
People Demanding Action is a 501(c)(4) organization


The various subjects addressed in this paper have little or nothing in common save they are joined in this article. It might be said that the things said of each subject is seldom addressed when things regarding the subject are spoken or written about. My purpose presently is to tip your thinking cap, as it is firmly believed that we are travelling the wrong road, leading as such always do to further stray from the truth.
Brethren given the opportunity to lead prayer in the assembly of worship should give considerable thought to what is said. It is not a time to address God regarding our personal needs and desires. For example, it is good to pray for our children, our grandchildren and other relatives, but not in public. When I listen to a brother petition God for his private and personal needs I wonder if he prays any time other than in the assembly.
When we pray we should pray according to the will of God. I do not mean by that that any and everything be petitioned to the Father then conclude with "thy will be done." I mean we are not to ask God to bless us with things He has not promised to grant us.
Prayer does not make wrong right. Christians are sometimes heard expressing to others, "I am praying about it" as though God is going to intervene and help us decide to proceed in life contrary to His revelation in the Holy Scriptures. This reminds one of the time Balaam wish to go down to Moab when God told him not to go. But, when he was offered a reward, he went to the Lord again about the matter. In other words Balaam knew what God's will in the matter was, yet he wanted to do WHAT HE WANTED TO DO. Remember God told him to go ahead but there would be consequence. If we have already made up our mind and realize it is against the will of the Lord, we are wasting our thoughts and/or breath praying about the matter. The new Covenant (or Testament) has been ratified by the precious blood of Christ and it is possible for one to count "the blood of the covenant, wherewith he was sanctified, an unholy thing, and hath done despite unto the Spirit of grace." (Heb. 10:29). What one is to pray for should (must), be given more thought than it usually receives.
Much has been preached and written about elders. Their qualification mainly from First Timothy and Titus have been defined and applied over and over. The importance of this work (office) has been presented and all men have been exhorted to pursue the office by qualifying themselves. Yet the congregations that have elders remains small and in this writer's opinion those who are appointed have the office more out of desire than qualification. There are a few things separate from the beaten trail that I wish to say a few words.
1. Elders are not above discipline. Of course it is implied that an elder can so sin as to stand in need of discipline. "Against an elder receive not an accusation, but before two or three witnesses. Them that sin rebuke before all, that others also may fear." (I Tim. 5:19-20). It's seems to me that an elder is not above any of us when it comes to temptation and sin, however, due to their experiences in life and considering that they had attained the place that they qualified to be appointed to the work of an elder then care must be taken that any complaint against them be dealt with not in a hasty manner. Thus, the Apostle admonishes that an accusation be not taken when there are less than two witnesses—three would be better—to the sin. The congregation that selected these men had the power and right to make a charge. Now, if the charge after due consideration be true, then the sin was not to be brushed under the table, a public rebuke is in order. Others seeing the matter correctly handled would fear lest they sin. If an elder is not above discipline then other members of the church must take heed. That is much like the admonition in Galatians chapter six at verse one, "Brethren, if a man be overtaken in a fault, ye which are spiritual, restore such an one in the spirit of meekness; considering thyself, lest thou also be tempted." Reading on in First Timothy five we find, "I charge thee before God, and the Lord Jesus Christ, and the elect angels, that thou observe these things without preferring one before another, doing nothing by partiality. Lay hands suddenly on man, neither be partaker of other men's sins: keep thyself pure." (Vs. 21-22), Timothy was to exercise caution lest partiality or preference enter into his judgment and duty to discipline one and excuse another. This is a common thing among men, when it comes to friends, comrades, or family; thus the solemn charge was given him. God is concerned in such matter, along with Christ and His elected ambassadors sent into the world. Such a charge would not have been neglected by Timothy and must regulate our actions as well. Those who are properly accused were to have hands laid upon them. Several different positions have been advocated as to the meaning of "lay hands suddenly on no man" the leading one is that Timothy was to take his time in appointing men to be elders. However, the context will not allow this interpretation. Paul is dealing with discipline, therefore Timothy was not to be hasty in trying or rebuking an elder without just cause. If he did receive an accusation without ample proof he would become guilty of sin, as other's who made a false charge. In this way Timothy was to keep himself pure. Let me stress: if a congregation has the right to appoint a man to work as an elder, then that same body has a right to remove an elder for a sin or sins committed according to the severity of the crime.
3. There should be no such thing as a "suit-case" Elder. There are multitudes of preachers that seek to be appointed elder. There is, as far as I know, nothing wrong with that, however, many of these fail to separate being an elder from continuing to preach far and wide, thus the expression used above "suit-case elders." Such men although they have preached the word faithfully have no conception of their work as an elder. The duties of an elder are varied as expressed by certain terms. These I am to mention may not be all that should be included, but these at least are necessary. Shepherd, of course refers to tending a flock by leading to food and water. At al times the shepherd must be watchful and on guard lest a vicious animal (which is not always apparent,) harm them. This requires the shepherd to be near the flock. Overseer carries with it the idea of a Ruler. He has the duty of seeing things are carried out, therefore he possess authority. It must be said that his authority is delegated. In other words he sees that the lives of disciples is within the word of the Lord and that things pertaining to the worship is done decently and orderly. Peter regulates this to the "flock of God which is among you." Steward shows that the elder's work is to oversee the property or possession of another. The congregation which they oversee is NOT a personal possession, it like all churches belongs to the Lord, as it has been purchased by Christ and has not been given to another (Acts 20:28; I Cor. 6:19). How an elder can keep his suit-case packed to travel to and fro about this country or now with the ease of transportation into foreign countries to the neglect of his work is a mystery to me. I know of elders who covet and work to have churches contact them for protracted gospel meetings. Others frequent other countries to "oversee" or establish the Cause of Christ in those places. I have personally attended some "area wide" meetings where all the elders of a congregation are present. Who is "overseeing" the church they preside over? Can an elder do his work when he wants to and neglect it as he might will? Is this practice an example to the flock or to men who are working to qualify for elders in the future? I am not saying that occasionally an elder cannot leave home to travel. However there needs to be an awaking here as being an elder is not like working at some factory or office where another takes one's place when he vacations or is absent for one reason or another. Pulling down one's suit-case for extenuating circumstances is not the same thing as the continual practice of absenting or being elsewhere than the place of overseeing. "If a man desire the office of a bishop, he desireth a good work." (I Tim. 3:1). Elders should not abandon their "good work" for another "so-called" good work.
"For first of all, when ye come together in the church, I hear that there be divisions among you, and I partly believe it. For there must be also heresies among you, that they which are approved may be made manifest among you." (I Cor. 11:18-19). The divisions in the Corinthian Church had not reached the point of separating into other bodies, yet the cause of the divisions whether into parties only or cleft so wide it severed the church were caused by the same thing namely says the Apostle, "heresies." These were obvious when the church came together to worship.
Heresies (Margin sect the basis of section) means the forming of a party. There have always been in the church those who formed parties so that they themselves might be somewhat. If possible there is something worse than dividing the church which is here expressed by the fact that some are responsible for beginning the division. Heresies are caused or brought about by heretics, men (or women) who are not satisfied with the doctrine or worship, peace and prosperity of a congregation. If necessary they will search out situations for disrupting God's people all for the sole purpose of exalting themselves. Pride drives heretics in their evil and vicious work. It is a mystery to me why such men can cause problems in a congregation then move to another and another as they cannot WILL NOT be content if there is not some discord among church members. The sad part is that others overlook such people in their Satanic work and lay blame on the faithful who refuse them. To Titus Paul wrote, "A man that is an heretic after the first and second admonition reject." (3:10). The party spirit is a work of the flesh according to Galatians 5:19-20. Yet heretics move among the congregation deceiving the unsuspecting. "Now I beseech you, brethren, mark them which cause divisions and offences contrary to the doctrine which ye have learned; and avoid them. For they that are such serve not our Lord Jesus Christ, but their own belly; and by good words and fair speeches deceive the hearts of the simple." (Rom. 16:17-18) A clear command. If we fail to mark the heretics that cause division and offenses the simple (unsuspecting) will be deceived and led into error.
"A naughty person, a wicked man, walketh with a froward mouth …Frowardness is in his heart, he deviseth mischief continually; he soweth discord." Prov. 6: 12 & 14.


This classical animation explores personal memory, associations and atmosphere.
"I remember from the other room I could hear you violently buttering bread. I secretly hoped that I could be your next victim."
"Barry Doupé's lusty A Boy on a Dock Blowing His Nose features vaguely articulated, quasi-human doodles and Spirographs animated within a bizarre netherworld of its own humid imagination."


Thirteen-year-old middle school "stars," who dabble in stuff that most parents don't approve of, fall off the popularity wagon in fairly short order. You know who they are.. the ones who at thirteen, only hang with attractive people, have many "romances," … engage in more sexual exploration than others and are often at least mildly delinquent.
Duh. Anyone who has ever survived Junior High School knew this all along.
This all makes me think about Marilyn. I don't know what happened to her, but once, a long time ago, I wrote that I hoped she had pimples. She wasn't exactly an overt bully, but at thirteen, she managed to occupy my thoughts too much of the time. I think I was jealous about how she seemed to get away with things I would never think to do.
I've since forgiven her. I hope that she never really had pimples. I like to think about myself now, as a nicer person. Besides, life has been kind to me, in spite of her shenanigans.
Turns out, their early popularity didn't even serve them well in high school. The semi-bad things they did, which caused others to think they were totally "cool," didn't cut it any more. So, when they escalated their naughtiness to get attention, it didn't work. The other kids, into their own explorations by now, were no longer impressed.
As they reached adulthood, those who were early "stars" had gotten into more trouble with the law, drugs and alcohol than the "slower developers." Their ability to get along with others, when judged by their peers, left something to be desired.
Why things didn't turn out as well for them, as for others, may have to do with the idea that the "slower" kids had the advantage, after all. They were more likely to have spent their early adolescence developing real and drama-free friendships, which served as a precursor to more permanent love-bondings.
We'd do well to chill a bit and not worry quite so much when our own kids are having a socially difficult time. They need parental support to be "good, loyal, supportive, hardworking and responsible," even when that sounds boring.
Thirteen year olds are old enough to understand that doing your own thing, while sticking to your own values, can also be "cool" … "cooler".
The researchers also suggested that the early so-called "stars," are really ill equipped to "take charge of junior high school social rules" and may start hanging out with older "fallen stars", instead, who may not be such a great influence.
A great big love-challenge for parents.


text:
aNb Media News, January 31, 2018
By Jennifer Lynchaccess_time5 years ago
Toysmith Named an Exclusive Distributor for Spin Master
Spin Master has signed an exclusive multi-year agreement with Toysmith to distribute Spin Master's products throughout Toysmith's network of specialty toy, gift, and game customers across the U.S.
This new distribution partnership will involve an extensive assortment of Spin Master brands, including Zoomer, Erector, Hatchimals, Air Hogs, and PAW Patrol as well as games and puzzles produced by the company's Cardinal Games brand. The new, exclusive partnership is slated to begin in June 2018.
KidSource Named North American Distributor for Viking, Quercetti, and Mojo
KidSource Products, a new specialty toy wholesale distribution company headed by toy industry veteran Beau James, has been named the exclusive North American distributor of Viking, Quercetti, and Mojo toy brands.
Operating under the KidSource umbrella, new products from all three toy lines will be on display at this year's North American International Toy Fair in New York.
LEGO Video Games Publisher TT Games Opens New Mobile Games Studio
TT Games, the makers of the LEGO videogame franchise published by Warner Bros. Interactive Entertainment, announced the opening of TT Games Brighton, a new UK-based development studio focused on creating new LEGO games designed specifically for mobile platforms. Jason Avent, founder and former head of Boss Alien, will serve as the Head of Studio for TT Games Brighton.
Chinese Company Meisheng Seeks to Acquire Majority Shares in Jakks Pacific
Jakks Pacific received a non-binding proposal from Hong Kong Meisheng Cultural Company Limited, a wholly owned subsidiary of Meisheng Cultural and Creative Corp., expressing Meisheng's interest in acquiring additional shares of Jakks common stock for $2.95 per share. Upon completion of the transaction, Meisheng's shareholdings and voting rights would increase to 51 percent.
The proposal states that it is subject to due diligence, and that Meisheng intends to fund the transaction through a combination of existing cash on hand and/or other financing sources to the extent required for the restructuring or refinancing of Jakks' outstanding senior convertible senior notes.
The Expression of Interest also states that the transaction is subject to approval by Meisheng's Board of Directors, shareholders, and Chinese regulatory authorities.
Hong Kong Meisheng currently owns just over 5.2 million shares of Jakks' common stock constituting 18 percent of Jakks Pacific's issued and outstanding shares of common stock.
The Board of Directors of JAKKS Pacific has authorized a Special Committee comprised solely of independent directors to evaluate the Expression of Interest. The Special Committee intends to engage independent legal counsel and an independent financial advisor to assist in its evaluation of the Expression of Interest.
ASTRA Announces Toy Fair Programs for Independent Retailers
The American Specialty Toy Retailing Association (ASTRA) will sponsor a package of programs at Toy Fair 2018 to help independent retailers maximize the use of their time in New York for product sourcing, learning, and networking. The programs include the Celebrate Independents reception, Share the Fair, and a Independent Thinking educational session.
The Celebrate Independents reception will take place on Saturday, February 17, 2018 from 5:30–7 p.m. in Javits Convention Center Hall 1E Room 1E6. The evening will include takeaways such as the low down on curated products available only to independent retailers, and ways to promote these products using child development language from ASTRA's Certified Play Experts.
Share the Fair, an ASTRA member event at Toy Fair, will take place Monday, February 19, 2018 from 8 AM to 9:30 AM in Javits Convention Center Hall 1E Room 1E11. The event brings ASTRA retailers together on the third day of Toy Fair—in the morning—to share information about products they have seen on the exhibit floor.
The Independent Thinking program, 60 Innovative Marketing Ideas in 60 Minutes, presented by Patricia Norins, CEO of Marketing Lemonade, will take place Monday, February 19, 2018 from 11 a.m.-12 p.m. in Javits Convention Center Level 1Hall 1E Room 1E11. This fast-paced session will provide 60 proven digital and traditional marketing ideas for increasing sales in independent toy stores.
LIMA to Induct Elias Fasja-Cohen, Brian Goldner into Licensing Hall of Fame
Elias Fasja-Cohen and Brian Goldner are the 2018 inductees to the LIMA Licensing Hall of Fame. This year's Hall of Fame Induction will take place Tuesday, May 22, at the LIMA Licensing Awards Ceremony during Licensing Expo 2018 in Las Vegas.
Fasja-Cohen is CEO and founder of Tycoon Enterprises, a leading licensing agency in Latin America for nearly 28 years. His career began in 1977, working first as a licensee for French brand Cacharel and later with Perry Ellis, establishing the first shop-in-shops in major Mexican retailers. In 1990, Fasja-Cohen co-founded Tycoon Enterprises, professionalizing the licensing business in Mexico and opening the doors of the Mexican market to major licensors, including 20th Century Fox, Cartoon Network, Major League Baseball, Mattel, National Football League, and Nickelodeon, among others. Under his leadership, Tycoon extended its structure to offer licensors consistent and simplified service throughout Latin America, operating directly in Mexico, Central America, the Caribbean, Ecuador, Colombia, Peru, Chile, and Brazil.
Tycoon, in collaboration with Valor Agregado en Exposiciones, launched the first edition of Expo Licencias y Marcas in 2007. In 2009, Fasja-Cohen was a key driver behind the founding PROMARCA, the Mexican Association of Licensing, which became the Mexico chapter of LIMA in 2016.
As chairman and CEO of Hasbro, Goldner is responsible for bringing the company's iconic brands to life across its strategic brand blueprint, through toy and game innovation, immersive entertainment experiences, digital gaming and consumer products. Since joining Hasbro in 2000 and taking on the role of CEO in 2008, Goldner has been instrumental in transforming Hasbro from a traditional toy and game company to a global play and entertainment leader. In 2016, Hasbro passed the $5 billion revenue mark for the first time in company history.
Goldner pioneered Hasbro's entry into entertainment and oversees the company's omni-channel storytelling. He has served as an executive producer on a number of films based on Hasbro brands, including Transformers films and the 2017 animated feature My Little Pony: The Movie. Under his leadership, Hasbro continues to expand the way it brings brands to life through high-end fashion collaborations, location-based entertainment, music, publishing, and consumer products.
Previous Post Previous Post Real Deal
Next Post Next Post aNb Media News, February 1, 2018

redpajama_set_name: RedPajamaCommonCrawl


text:
Key Figures December 2020
Traffic figures
355'315 passengers were handled at Zurich Airport in December (-84.8% vs. previous year). Local passengers decreased by -82.9% and transfer passengers decreased by -89.3%. The transfer rate, which was at 30.4% last December is at 21.4% in the month under review.
Air traffic movements
In December, air traffic movements decreased by -68.0% to 6'471 versus previous year.
The average seat load factor saw a decrease of -26.1 percentage points to 50.5% and the average passenger per movement figure decreased to 85.9 (129.9 previous year).
Total turnover in December was CHF 17.1m (-67.8% vs. previous year). The decrease divides into -83.9% for airside and -48.6% for landside.
For a detailed overview we refer to the attached document.
Upcoming events: https://www.zurich-airport.com/the-company/investor-relations-en/financial-calendar
Further news and information from the airport
Ergänzendes:
Key Figures December 2020 (pdf, 0.19 MB)


Tororo-imo is Dioscorea opposita (yam) or a kind of potato.
We also call it Naga-imo.
Japanese people love sticky foods and know a lot of ways to prepare Tororo-imo.
It is good with sake!
Grated Tororo-imo, is most popular way to eat it.
or put the mixture on steamed rice.
Peel skin and cut into quarter inch thick, 2 inch lengths.
Top with katsuobushi (dried bonito flakes) and soy sauce.
Cut into 1/4 or 1/2 inch wide slices.
Put them and butter into a pan with medium flame.
Japanese love to put grated Tororo on all kinds of noodle-.
soba, udon, zaru-soba, zaru-udon, kaki-soba, yaki-udon.
We have many other dishes we use with tororo-imo.
If you find "tororo" word or white sticky paste in a Japanese restaurant, please try it.
It can be found at Asian grocery stores in the US.
Your recipe is perfect, especially, using Miso! I did not know that. I will try it. Friend of mine told me he adds cooked ell into grind totoro imo. You know frozen cooked ell is sold at Japanese store. It is very easy handling.
It took me over two years to find out what this sticky, slimy and in my opinion tasteless "thing" , which was sometimes put over my rice or noodles, is. Whenever I descibed it to my japanese colleguages they didn't know what I meant. Last time I've bought a pack of soba-noodles ready to eat in the supermarket - and there it was again --- thanks god packed seperately--- tororoimo. Finally I could show it to my colleguages and now they understood what I always have tried to explain!
Now with your help I could learn more about it and I have now written in japanese a card which says "I don't like tororoimo, please serve it without it". This will make my order in restaurants much easier, because it was always a lot of work to fish tororo out of the soup or remove it from the rice!
Thank you from an absolut japanese food lover - besides toroimo!
sorry, I just noticed I mixed up the letters of your name in my comment before.
Hοwԁy! Do уоu uѕе Τwіtter?
enjoying уour blog anԁ lοοk forwarԁ tо nеw postѕ.


Does your roof look old and tired and full of stains and ugly spots? Years of abuse from the elements as well as runaway mold, mildew, moss, and algae can give your roof a look that screams for attention. So why not contact Roofing Contractor Pro's, Lowell, MA's premier roof cleaning services specialists? Our team of highly skilled and experienced roof cleaning experts can perform their magic on your roof and when they're done, have it looking like a brand new shiny roof without the massive price tag. Our top quality and guaranteed services are performed by licensed, certified and insured roof cleaning professionals in Paxton.
Don't try such a massive job yourself like cleaning your roof. Turn to Roofing Contractor Pro's roof cleaning services. We are the Lowell, MA area's premier roof cleaning services company. Our experienced and reliable roof cleaning specialists will clean your roof and make it look like new. Call one of our friendly roof cleaning associates today at (978) 577-5300 for a free estimate in Paxton MA.
It's fantastic if you can preserve your house to have a roof free from algae, mildew, black mold, moss, and stains. However, how do you keep it that way? Roofing system cleaning is not just for show.
It helps make roofs last longer by getting rid of all the foreign particles on it. Mold and other foreign particles does not only contribute to an awful appearance, they aid with the degeneration of the structure.
With your Roofing system cleaning needs, it's best to have a professional business to do the task in Paxton. That way, the cleaning can be surely done correctly.
The benefits of a quality Roof cleaning company naturally include having a brand new looking Roof again. They say one's home reflects his/her character. No one likes to live in a dirty looking residence.
Having a tidy Roof provides you self-confidence and an excellent sense of being responsible. It likewise prolongs the life of your Roofing system. Having a cleaner that does not know exactly what she or he is doing may cause even more damage.
Here is one more tip, go for the best Roofing system cleaning business. Sure, there are a lot of self-proclaimed exceptional specialists in Paxton MA. However, you ought to watch out for frauds and expensive promotions.
Read the reviews and see how their past clients considered them. You can see how they truly work with the reviews. Have the company that really knows their service.
Make certain that the one you select is very experienced in the industry. They must have the tools, skills and knowledge to do a remarkable job. Whether it is shingle, asphalt, metal, flat or any other types of roof, they must be able to handle it well.
If the Roof of your house already has streaks, stains, molds and others, do not wait up until Roof cleaning will be far too late. If left overlooked, the foreign debris can cause your Roofing system to weaken. The life-span of the Roof will decrease by approximately 10 years.
Likewise, all the stain and foreign particles simply doesn't look beautiful. They actually mess up the total look of your house and not simply the Roofing system. After all, the Roof is a big part of the home. If you persist on ignoring exactly what has to be cleaned up, it can be too late even for repairs.
You would then have to invest for Roof replacement. Have the cleaners in Paxton MA do the required treatments to get rid of all the gunk. From the seamless gutter to every part of the Roofing system outside, chemicals will be utilized to help get rid of all the undesirable stuff.
It's best not to attempt and do a do it yourself Roofing system cleaning even with a guide to follow. It is better to be safe than to be sorry. You may mistakenly use a power product and harm your Roof.
Avoid requiring unneeded repair. Leave the cleaning to the experts. Make your residential house look brand-new once again with Roofing system cleaning. Give a reliable Roofing system servicing company a call today.


text:
Find an Open Textbook
Adapting to COVID-19
Topics of Practice
Grants and Calls for Proposals
Home BCcampus News General Clint Lalonde to join BCcampus
Clint Lalonde to join BCcampus
By ebeattie January 21, 2013 General, Open Education
Clint Lalonde will be BCcampus' new Client Services Manager with a focus on Curriculum Services and Applied Research.
He comes to us from Royal Roads University where he is Manager of Learning Technologies at the Centre for Teaching and Educational Technologies. Clint is familiar with BCcampus, he worked here as a Research Assistant from 2004-2006 and has been an active participant in ETUG and other professional development events sponsored by BCcampus over the years. Clint has also worked at Camosun College as a Distributed Education Web Analyst.
Clint will start with us in mid-February and will be located in our Victoria office.
Staffing Changes at BCcampus
Get the latest information on news and events by subscribing to the BCcampus newsletter.
BCcampus acknowledges the səl̓ilwətaɁɬ təməxʷ (Tsleil-Waututh), Skwxwú7mesh-ulh Temíx̱w (Squamish), xʷməθkʷəy̓əm (Musqueam), W̱SÁNEĆ (Saanich), and the Esquimalt and Songhees Nations of the Lək̓ʷəŋən (Lekwungen) Peoples, on whose traditional territories we are privileged to live, work, and play. Through our work we are learning to incorporate Indigenous epistemologies into our actions and understandings, supporting decolonization, reconciliation, and Indigenization to advocate systemic changes in the post-secondary environment of B.C.
Except where otherwise noted, content on this site is licensed under a Creative Commons Attribution 4.0 International Licence.


As both children and adults we very often engage in sports. Be it as athletes or as audience members sporting events are often a strong community event over which we socialize. The means however by which these events are engaged with are constantly evolving alongside the evolution of our technology. With this evolution has come the growing presence of social media and with it new and refined means by which sports can be marketed. I personally have spent a lot of time around ski racing and the game of soccer yet it was not until recently that I have come to fully appreciate the extensive marketing techniques that surround such shared events. As someone who has been involved with both sports extensively, both perspectives of being an audience member as well as an athlete have been experienced shedding light on how the role of social media has become stronger than ever over the past decade.
So many Sponsors, So Little to do with our Sports..
There are many different avenues to sports marketing and how teams might decide to partner with certain sponsors so as to market brands within their sport. At the end, the main goal for any sports organization is to make money and put fans in the stands. In order to achieve this there are marketing techniques that take place that some fans often don't even realize. For example, there are advertisements everywhere alongside a downhill run in ski racing or extensive in-game promotions sponsored by different businesses at soccer matches. When an announcer speaks, there are often references to products or organizations that arguably have nothing to do with the sporting event at hand. Only certain items might be offered for purchase at such events that come solely from a single provider. For at the end professional sports are a business, one that revolves around profit that in turn is acquired through sponsorships, fan attendance and the purchasing of merchandise as is highlighted with videos like this. Where the processes that lead to sponsorships have been relatively consistent over the past decades, the means by which organizers reach out and market their event to fans has not. With the presence of social media ever growing over the past years, organizations have found that the best way to engage their fans is to use platforms such as Facebook, Twitter, Instagram and Snapchat. Let's take a closer look at how this has come to be.
"Look how good my team is!"
There was a time where the only way to watch a sporting event was to either go to the game or watch it on television. Yet now sporting fans more often than not prefer to follow the event on laptops or smartphones due to the added mobility factor. Herein marks an added avenue where marketers can expose consumers to advertising in the form of digital content ranging from text, pictures or videos. The digital presence in sports is ever growing as fans turn to digital technology to acquire the information they seek. Star players and their respective statistics are constantly being followed by fans with many fans keeping up with the active performance of their favorite team as a lifestyle. As one can see with examples such as fantasy sports, people are heavily involved and embrace the opportunity to feel a part of their favorite team or player.
According to a Time report of 2015 , Americans alone collectively check their phones 8 billion times a day with an average of 75 per person. With around 3.65 billion mobile users on the planet this marks a great opportunity for sporting marketers to reach fans. Within seconds, marketers can utilize apps and social media to share content to millions of mobile devices, content that previously would have been conveyed via leaflets or newspapers and dependent on the person reading it or not. Adds are now actively ingrained within the online browsing experience thus allowing for everyone utilizing the given platform to be exposed to the content rather than just those looking for it. In doing so new fans can be acquired which may have otherwise not been exposed to the content and had no interest of seeking it out.
When online content is shared it is instant and equal to everyone involved, there is no delay in the sharing of this information should it not be intended. We live in a very demanding world where knowledge is power thus fans who consider themselves engaged want their information right away. Promotions are also very easy to run with social media platforms. When we think of examples we often see such as, 'like and share and you could win two tickets to the next Bayern Munich home game!' it is clear how our social media platforms are not only catered to socializing with one another but to promoting and advertising. Twitter feeds will have sponsored messages that come up in the format of a tweet so as to blend in with the rest of the user experience. With today's online world, the opportunities to reach consumers are ever evolving. It is important to mention that not only do such efforts work but are in fact appreciated as fans enjoy the opportunity to feel closer to their favorite teams and engaged within the industry.
In the end, almost all sporting organizations are involved through social media platforms yet not all have a strong presence. The organizations who do tend to be the ones with the most 'success' and often have the greatest fan following. This growing online presence gives marketers the ability to be creative and find new ways to reach consumers who might already be interested in viewing their content or those who are not. In doing so teams enjoy greater publicity, fan following and ultimate financial support. Now more than ever, marketers are enjoying the greatest opportunities to reach their fans and engage them in content they enjoy.


text:
Hilary Burrage is a sociologist, consultant, teacher and writer with wide experience in regeneration, the knowledge economy, sustainable communities and the delivery of social policy. Previously a college Senior Lecturer, Hilary is now a board director, researcher and lecturer / speaker. She is a Fellow of the Royal Society of Arts.
Hilary has published two books on Female Genital Mutilation FGM):
Eradicating Female Genital Mutilation: A UK Perspective (Ashgate/Routledge, 2015) – a book about pathways to eradicating FGM in the UK & globally – detailed handbook-textbook which covers global and historic/political issues from a socio-economic as well as educational, legal and medical aspects. There is an accompanying website and Twitter account. [£25.00 paperback / £70.00 hardback from the publisher; or from Amazon.co.uk / Amazon.com (inc. e-format) and highstreet booksellers]
Female Mutilation: The truth behind the horrifying global practice of female genital mutilation (New Holland Publishers, 2016) – 70+ 'narratives' from survivors, family and community members, activists and professionals in two dozen countries, five continents, also with accompanying website and Twitter handle. [£14.99 (£11.99, Guardian bookshop; or on Amazon.co.uk / Amazon.com, or highstreet booksellers]
Hilary has also published book chapters, academic papers, articles and blog posts in a wide range of professional and other media settings. A community activist with regional and national experience of business, culture, health, environmental issues and regeneration, Hilary has worked in the public, private and not-for-profit sectors, in many contexts from Liverpool via London and Oxford in the UK, to Washington DC and Prague.
Some examples of the professional services which Hilary offers can be found here.
WRITER & RESEARCHER
* professional & academic journalist
* online commentator
* author of consultancy (observation based recommendation) reports
* social & political analysis
* formally trained executive/non-executive director of companies & organisations (as below)
MENTOR & COACH
* tutor of adults in professional roles
* provider of advice to individuals & organisations
* extensive range of formal & informal communities & networks
* can join the dots….
QUALIFICATIONS &c
* BSc(Soc)(Hons) MSc PGCE FRSA
* regeneration
* sustainability (socio-economic/environment)
* diversity equality inclusion
* knowledge economy / knowledge ecology
DIRECTORSHIPS
* Hilary Burrage Ltd: Owner (limited company)
* Samuel Coleridge Taylor Foundation: Executive Chair (community interest company)
* HOPES: The Hope Street Association: Executive Chair (charity)
* Merseyside NHS Ambulance Trust: Non-Executive Director (public sector)
* British Urban Regeneration Association: Non-Executive Director (charity)
* Liverpool School of Tropical Medicine: Trustee (charity)
* Royal Liverpool Philharmonic Society: Non-Executive Director (charity)
Hilary Burrage can be contacted directly via email here or on LinkedIn, where further details of her professional profile are also located.
Hilary's herstory
Following a first degree in Sociology and the Social Sciences, Hilary gained an M.Sc. in the Sociology of Science and Technology, being the first person in the UK to undertake a research programme into the experiences of women academic scientists. She also holds a post-graduate certificate in education (PGCE)
Subsequently both a Senior Lecturer in Health and Social Care and a University Research Associate in Social Medicine, Hilary and is an experienced teacher and adult and higher education lecturer. She has substantial experience both in the classroom and in distance teaching, including wholly on-line (VLE).
Hilary Burrage's experience includes service as a member of the Department for Environment, Food and Rural Affairs (Defra) Science Advisory Council, as a Non-Executive Director of an NHS Trust, and as a Lay Partner of the Health Professions Council. She has also held many honorary positions such as Non-Executive Directorships of the Royal Liverpool Philharmonic Society and of the Liverpool School of Tropical Medicine, Council membership of the National Campaign for the Arts, and of the Liverpool Chamber of Commerce and Industry – where she chaired the Arts and Culture committee, and before that membership of the Executive Council of the British Sociological Association.
Hilary has been a national journal editor and is the author of many texts on a wide range of subjects for academic, journal, professional and media publishers. In 2014 she became Consultant on FGM for The Guardian newspaper.
Hilary's consulting and practitioner experience outside the academic world is similarly broad. She has worked to evaluate and advise on the development of public service provision such as Sure Start Children's Centres and support for at risk Young People, and is herself in a voluntary capacity a committed community activist. She has extensive networks in politics and policy.
Until 2010 a Non-Executive Director of BURA, the British Urban Regeneration Association (where she was also Equality and Diversity Champion), and Vice-Chair of the North West Sustainable Development Group (advisers to the NW of England regional strategic bodies), Hilary was the Founder-Chair of the arts and knowledge quarter regeneration charity HOPES: The Hope Street Association, selected as national exemplar in 2000, by the Millennium Commission, for its midsummer community festival.
More recently Hilary founded, and is now Executive Chair of, The Samuel Coleridge-Taylor Foundation CIC, set up to recognize and promote the example and achievements in both musical and public service fields of this neglected Black British composer.
Herself previously a trained classical singer, Hilary has for many years now been married to Martin Anthony Burrage (also known as Tony), a professional orchestral musician. With Tony and his colleagues, in her spare time Hilary, on behalf of for the Hope Street Association, commissioned, promoted and produced a dozen or so annual large-scale community Hotfoot concert programmes for amateur and professional musicians together, many of them featuring little-known music by the the UK's most signficant black classical composer, Samuel Coleridge-Taylor. Separately, Hilary also managed of some small classical music ensembles which offer community and educational programmes as well as performing to the highest standards in their own right.
From 2008 until 2012 Hilary was a Tutor for the Homes and Communities Agency Understanding Place-making course on regeneration and sustainable communities. She also developed this interest independently as a speaker and lecturer on these themes at events around the country.
Social inclusion and fairness have been life-long threads in Hilary's work, practice and activities and she has undertaken many assignments on equal opportunities and diversity, including work both at policy and formal levels (in education, regeneration, the workplace, music and elsewhere) and at the level of everyday experience: she founded the free and informal open network known as Monday Women.
Hilary Burrage is a past American Field Service International Scholar and now a Fellow of the Royal Society of Arts (FRSA). Based largely in London and Liverpool, she works across the UK and has many international connections.
Read a more personal account of Hilary's career here: 1968 And All That: The Tale Of a Jobbing Sociologist.
>> Contact Hilary Burrage directly via email here.
Hilary Burrage's other websites include:
* Dreaming Realist (www.dreamingrealist.com): a journal-style look at life, which includes all Hilary's previous general blog postings from this website as well as up-to-the-minute commentary, news and photographs. This website also includes Sustainability As If People Mattered, as a theme within Dreaming Realist where we examine some of the challenges of achieving sustainability and resilience for the future;
* a million small conversations (www.millionsmallconversations.wordpress.com): a discussion forum aimed at connecting small ideas for bigger sustainable change, with a view to a future book on this pressing issue.


Roger Knox is often referred to in the Australian indigenous community as the black Elvis or the Koori King of Country. He is a Gamilaroi man who was born at Moree, northwest New South Wales.
Starting as a gospel singer Roger has survived not one but two plane crashes, suffering burns to most of his body. He has dedicated his life to sharing the gift of music with the world, spending much of his time playing to neglected Aboriginal audiences in remote communities and prisons, as well as touring detention centres and Indian reservations in the US and Canada.
Since 1984 he has released three albums of new material, the last one being Goin' On, Still Strong in 2004. Jon Langford (Mekons, Waco Brothers and The Pine Valley Cosmonauts) met Knox on a visit to Australia several years ago and wanted to be involved in helping to preserve local culture.
Stranger In My Land is a collection of songs originally written by indigenous artists who were Knox's peers and predecessors. Some tunes have been previously recorded but difficult to find and others are unrecorded, handed-down folk songs (which without this recording, may have been lost forever). The release comes from US label Bloodshot Records (good to see a well-regarded label supporting a local artist in this manner). From all reports, it contains powerful and moving material, heartbreaking and hilarious, downtrodden and uplifting – universal themes arising out of largely unexplored context. The press release refers to the urgency of an Alan Lomax field recording, but with a spirit that remains relevant in today's world.
The CD includes a twenty four page booklet with stories about the songs and their writers and interestingly features Dave Alvin, The Sadies, Bonnie Prince Billy, Sally Timms, Kelly Hogan and Andre Williams.


text:
O bombardeio da AMIA foi um ataque ao prédio da Associação Mutual Israelita Argentina (AMIA). Ocorreu em Buenos Aires em 18 de julho de 1994, matando 85 pessoas e ferindo centenas. Foi o atentado mais mortal na Argentina. O país é o lar de uma comunidade judaica de 230 mil pessoas, a maior da América Latina e sexta do mundo fora de Israel.

Ao longo dos anos, o caso foi marcado por acusações de encobrimentos. Todos os suspeitos da "conexão local" (entre eles, muitos membros da Polícia Provincial de Buenos Aires) não foram culpados em setembro de 2004. Em agosto de 2005, o juiz federal Juan José Galeano, encarregado do caso, foi acusado e retirado de seu cargo por uma acusação de irregularidades "graves" devido à manipulação incorreta da investigação. Em 2005, o cardeal Jorge Mario Bergoglio, que mais tarde se tornou o Papa Francisco, foi a primeira personalidade pública a assinar uma petição de justiça no caso de bombardeio da AMIA. Ele foi um dos signatários em um documento chamado "85 vítimas, 85 assinaturas" como parte do 11º aniversário do bombardeio.

Em 25 de outubro de 2006, os procuradores argentinos Alberto Nisman e Marcelo Martínez Burgos acusaram formalmente o governo do Irã de planejar o bombardeio e a milícia do Hezbollah de realizá-lo. De acordo com os pedidos da promotoria em 2006, a Argentina foi alvo do Irã após a decisão de Buenos Aires de suspender um contrato de transferência de tecnologia nuclear para Teerã. Isso foi contestado porque o contrato nunca foi encerrado e o Irã e a Argentina estavam negociando o restabelecimento da plena cooperação em todos os acordos desde o início de 1992 até 1994, quando ocorreu o bombardeio.

O décimo terceiro aniversário do bombardeio foi comemorado em 18 de julho de 2007. Além das exposições e cerimônias nacionais, estações de rádio e televisão e carros de polícia em toda a Argentina soaram sirenes às 09h53 da manhã, hora do bombardeio.

Ver também
Alberto Nisman
Ataque contra a embaixada de Israel em Buenos Aires em 1992
Judaísmo na Argentina
Relações entre Argentina e Israel

Ligações externas

Terrorismo patrocinado pelo Estado
Terrorismo na Argentina
História de Buenos Aires
Presidência de Carlos Menem
Conflito iraniano-israelita
Hizbollah
1994 na Argentina

redpajama_set_name: RedPajamaWikipedia


Ranch, ahh ranch. You are so good. I love you on salads, veggie platters and most of all Pizza. Can I get an amen?! The crust dunked in ranch— ah so good. As we enter our winter veggie season and tend to put on some extra "fluff" here is a yummy and easy homemade ranch recipe to keep some motivation to eat those salads, even when they don't seem so warm and comforting in the rain. I know I often just grab a bottle of good old Hidden Valley Ranch and don't think twice about how easy Ranch really is to make. It wasn't until I went to a friends house for dinner and she had made homemade ranch for our salad that I realized just how much yummier homemade ranch really is. Not to mention healthier too! I made mine with only sour cream but if you are not counting the calories def add some mayo for that added bonus.
Mince up your garlic, chop your fresh herbs and then throw them in a bowl to stir or place all ingredients in the food processor and gave it a quick whirl. Now if you want your Ranch to be thick, don't add much buttermilk- if you want it to be a bit more runny in consistency simply add more buttermilk.
This delicious and simple ranch dip will make it so you never want to buy store bought ranch again! Bring on the salad's and veggies!
Mince up your garlic, chop your fresh herbs and then throw them in a bowl to stir or place all ingredients in the food processor and gave it a quick whirl. Now if you want your Ranch to be thick, don't add much buttermilk- if you want it to be a bit more runny in consistency simply add more buttermilk.


text:
Find a Retailer in California
Why Choose Propane
Propane Vs Electricity
Propane Vs Wood
Propane Safety Tips
Rebates & Tax Incentives
Storage Tank Water Heaters
How Tankless Water Heaters Work
Which Water Heater Is Right For You?
Propane For Home
Propane Powered Lawnmowers
Builder Resources
Home » Western Propane Gas Association Urges California Legislature to Promote Energy Diversity and Innovation
Western Propane Gas Association Urges California Legislature to Promote Energy Diversity and Innovation
Propane fuel continues to play a significant role in helping California meet its greenhouse gas emissions targets while serving millions of customers with a critical source of clean energy, according to the Western Propane Gas Association (WPGA).
The group called on lawmakers to support the "Clean Air Now" bill package, which will help promote the use and development of many clean energy sources.
"Whether we're talking about natural gas, biofuels or propane, it is vital that the California legislature foster a marketplace that protects and promotes the many types of clean alternative fuels used today and being innovated," said Joy Alafia, president of WPGA, at the group's legislative day in Sacramento.
"While most people may associate propane with backyard barbecues, our fuel represents a reliable and affordable source of clean energy," said Alafia. "The value of the fuel is spread across the state."
In urban areas like Los Angeles and the Bay Area, propane fuels everything from commercial trucks and school buses, to warehouse forklifts. In remote rural areas, propane is often used to heat homes, cook food and generate electricity.
WPGA cited a number of economic and environmental benefits related to propane:
Propane provides a low-cost fuel for consumers.
Propane engine are available certified to California Air Resources Board's optional low oxides of nitrogen emissions standard for heavy-duty engines with 0.02 g/bhp-hr. The engine is 90-percent cleaner than the current EPA's most stringent standard.
Propane is part of California's building energy goals providing energy efficient appliances for consumers as well as a complementary energy source for solar powered homes, useful when battery power is low.
Propane is essential to ensuring homes and businesses are energy-resilient. If electrical power is down because of a storm or blackout, propane generators can be used as back- up power.
WPGA's Alafia said that these numbers will only get better over time because the industry is committed to commercializing renewable propane.
"Our Next Generation Propane will be sustainable," she said. "Renewable propane made from animal fat, beef tallow, vegetable oil, used cooking oil and methane-capture offer an avenue for low carbon and even carbon negative solutions."
About the Western Propane Gas Association (WPGA)
The Western Propane Gas Association is a trade and membership service organization that represents propane marketers throughout California. Founded in 1949, the association has grown in its influence while maintaining its core principles of education and safety. The association's primary purpose is to maintain high standards of practice within the industry, and in so doing, protect and expand the ability of its members to compete in the marketplace. https://www.usecaliforniapropane.com
Read More BusinessInsider
2012 H Street, Suite 203, Sacramento, CA 95811 © 2021 Western Propane Gas Association. All rights reserved. Site by Warm Thoughts Communications, Inc


text:
BMW March 28, 2015 06:11
BMW E46 M3 For owners of German sport car, BMW M3 version of the E46 does not have the power and performance of the engine belongs to the latest variant of the current M3. But for those who want to improve the performance of E46 could try to count the G-Power which is a modification of aftermarket parts specialist from Germany.
Because, if you rely on the G-Power, owned E46 capable V6 engine delivers more power than the E92 M3 engine that relies on V8. In addition, with the increase in engine performance, the G-Power also will be able to provide the capability drove the car at high speed with a better level of control.
As presented through the official blog of BMW, G-Power boosts power E46 M3 that has an engine capacity of 3.2 liter supercharged six-cylinder power which initially is 338 hp. Now with paired devices ASA Centrifugal Supercharger T1-518 and also a sports version of the exhaust system, power jumped to 444 hp E46 with torque reaching 460 Nm
BMW E46 M3 other words, the E46 M3 increased power of 106 hp and the torque is increased by 95 Nm. As a result, when testing the acceleration of 0-200 km / h can be achieved in 14.7 seconds, before reaching a top speed at the rate of 300 km / h.
To offset the increase in new energy, G-Power also give legs to a set of alloy wheels are from measuring 20 "wrapped in high performance tires Michelin Pilot Sport. A brake system currently uses six piston calipers, with discs measuring 370mm front and 342mm for to the rear.
Image :By BMW
Tags: 2015 bmw e46 m3, 2015 bmw e46 m3 Reviews, bmw e46 m3 engine mods, bmw e46 m3 engine oil, bmw e46 m3 engine rebuild, bmw e46 m3 engine rebuild kit, bmw e46 m3 engine specs, bmw e46 m3 engine upgrades, bmw e46 m3 reviews
Related Posts of "BMW E46 M3"
BMW 325i Car Price and Review
2015 Bmw 4 Series Review Specifications
BMW M240i Coupe 2017 Review Specification
BMW 740 LD 2015 Review Specifications
2017 bmw x3 Review Release Date
2016 BMW Z4 , Review, Release Date, Price
12016 Hyundai Equus News, Release date, Review
22016 dodge dakota truck, Specs, Release Date
32015 Audi A7 Reviews Specifications
42014 Renault Duster 1.5 dCi
5Ferrari F430 Spider


In this low-interest-rate environment, many investors find REITs attractive due to their combination of capital appreciation potential and their meaningful dividend yields (in most instances).
Given that REITs can hit the sweet spot for many investors, Insider Monkey has put together a list of the smart money's favorite REIT stocks. Without further ado, let's take a closer look at how American Tower Corp (NYSE:AMT), Crown Castle International Corp (NYSE:CCI), Equinix Inc (NASDAQ:EQIX), Gaming and Leisure Properties Inc (NASDAQ:GLPI), and CyrusOne Inc (NASDAQ:CONE) are being traded among successful hedge funds.
Hedge funds were pretty bullish on CyrusOne Inc in the second quarter, an REIT that owns, operates, and develops data center properties. The number of funds in our database with holdings in CyrusOne Inc (NASDAQ:CONE) rose by seven quarter-over-quarter to 35 at the end of June, out of 749 funds which filed 13Fs for the latest reporting period. The REIT's shares have performed very well in 2016, rising by 34.35% year-to-date as investors buy for the stock's strong growth prospects in the future (data centers are experiencing secular growth), and for the stock's annual dividend of $1.52 per share, good for a 3.07% yield. Analysts have an average price target of slightly over $60 per share on the stock, $10.51 above its current price.
Many investors view Gaming and Leisure Properties' income from its facilities as very stable. Not only do the facility leases run for 35 years, but Gaming and Leisure's primary tenants, Penn National and Pinnacle Entertainment, don't have much credit risk. In 2015, Penn National and Pinnacle Entertainment had EBITDA-to-rent ratios of 1.77 and 1.68 respectively. Given that the U.S. economy has strengthened since 2015, their ability to pay their rent has arguably become even more solid. The increased strength of Gaming and Leisure's customers makes the company's annual dividend of $2.40 per share, good for a 7.27% yield, even more attractive. 40 funds that we track owned shares of Gaming and Leisure Properties Inc (NASDAQ:GLPI) as of the most recent 13F reporting period, down by 19 funds quarter-over-quarter.
We'll check out hedge funds' three favorite REITs on the next page.


Using iPhones is quite a task especially when some unpredictable issues crops up, irking your happy camper mood. Well, who doesn't have problems but when your phone begins to behave improperly then it annoys a lot.
Especially, when you are unable to sign in to iTunes that results halt to many services like music, TV or movies show etc. Don't worry, your irking issues will take a step back, as we are going to unearth a perfect solution to fix all the issues coming up in iTunes Store. Allow us in this article to introduce you with some handy solutions that will prove to essentially solve the iTunes sign up problems.
Do you know how to easily sign-in to iTunes store? If you do not, then in this section we are going to enlighten you about the same. Below are the steps that you must follow in order to successfully sign in to iTunes store.
Run iTunes on your PC/Mac.
Open iTunes and navigate 'Account' from the menu bar on the top of the screen. Select 'Sign-in' option from the drop down menu.
Login with your Apple ID credentials used in the iTunes store.
Click on 'Sign-in' or Make use of 'Return' or 'Enter key' from your keyboard.
Launch 'Settings' > 'iTunes & App Store' > Enter 'Apple ID' and 'Password' in their respective fields > 'Sign in'.
Do you often witness the 'Sign in not working' issue? And you do not know what to do to combat such issues? No problem, we have narrowed down a list of solutions that can aid in resolving the iTunes sign-in problem.
This is the most crucial step that one cannot miss this out. If the iTunes sign-in is creating issues, then you must cross check that your iPhone has a strong hold of stable internet connection. You need to see that your internet is working properly or not. In case, you are using the cellular data, one needs to check that the signals are strong enough to complete the process.
Did you know if you are lagging behind the Date and Time, then there are chances that your sign up process may hamper in no time? For resolving this portion of problem, you can change your Date and Time by visiting the 'Settings', locating 'General' option and tapping on 'Date and Time' menu.
Apple duly /pings changes with each release of OS which is why a user must have the updated version of the Operating system. To easily facilitate the Apple iTunes 'sign-in', you must check whether you are using the updated version of OS or not. As there may be a possibility that due to the older version of the operating system, the sign in has failed.
To do this, get into 'Settings' > 'General' > 'Software Update'.
If the sign-in is posing a problem there may be a chance that the Apple server is currently outage. Thus, to check the system status, one must ensure that all the data variants are having a green round. If at all the data variants shows a red/yellow round, it means that the Apple server is not working well which is altogether hampering the process of iTunes sign-in to account.
If your iPhone is still not able to sign in to iTunes after employing the tried and tested methods then you must seek a professional help of Tenorshare's TunesCare! It is the most effective, iTunes 12.7 compatible tool to resolve all kinds of iTunes sync problems and iTunes error. Thus, one needn't to worry if the Apple iTunes sign-in isn't processing as iTunes errors can be resolved in no time. TunesCare also looks after Install and update errors. Follow the below steps to learn how to fix the iTunes sign-in issue and get rid-off them.
Step 1 To successfully resolve the issue of iTunes sign in, download the Tenorshare's TunesCare in your system. It will work perfectly well with the Windows and Mac systems.
Step 2 After downloading the software, you can run the application. The home screen will appear with a 'Fix all the iTunes issues' message, click on that.
Step 3 The following screen, will have a window with a 'Your iTunes performs abnormally' message and a 'Repair iTunes' tab which you need to tab and resolve the issue of Apple iTunes sign in.
Step 4 The Repairing process will now begin and take will take some fraction of moments to complete the process.
iPhone sign-in issues can be a pain to your back, resulting in halt to many essential services. But there are various methods you can undertake to combat the iTunes sign-in problem We have learnt how to resolve with some methods. However, if these do not help you much, then we highly recommend you to bank on Tenorshare's TunesCare. This amazing-beast performer ensures to give you the fastest results for resolving the problem and take care of all the iTunes sync issues. You get reliable results to combat any problem and triumph! So what are you waiting for? Get the TunesCare now!


text:
Q: Expectation of $||P_VY||^2$ Given that $Y\sim N(\mu,\sigma^2I)$ where $\mu\in V$ ($V$ is a vector space with $\dim(V)=p$. If $P_V$ is the projection matrix of $Y$ on $V$ then, we define
$$\hat{\mu}=P_VY.$$
Then,
$$E(||\hat{\mu}||^2)=E(\hat{\mu}'\hat{\mu})=E(Y'P_V'P_VY).$$
Until this, I understand what they're doing. What formula was used for the next step? It's probably a basic formula that I can't recall right now-

$$E(||\hat{\mu}||^2)=E(Y'P_V'P_VY)=\mu'P_V\mu+\text{trace}(P_V\sigma^2)$$

A: Generally, for a random vector $X$ with mean $\mu$ and covariance $\Sigma$, and some fixed (symmetric) matrix $A$,
$$
E (X^T A X) = \text{tr}(A \Sigma) + \mu^T A \mu.
$$
If this is an orthogonal projection, then $P$ is symmetric, and so $P^T P = P^2 = P$, the final equality holding because projections are idempotent.

redpajama_set_name: RedPajamaStackExchange


text:
Situation Report EEPA HORN No. 82 – 11 February 2021
Date: February 10, 2021Author: Ermias Haile 0 Comments
Europe External Programme with Africa is a Belgium-based Centre of Expertise with in-depth knowledge, publications, and networks, specialized in issues of peace building, refugee protection and resilience in the Horn of Africa. EEPA has published extensively on issues related to movement and/or human trafficking of refugees in the Horn of Africa and on the Central Mediterranean Route. It cooperates with a wide network of Universities, research organizations, civil society and experts from Ethiopia, Eritrea, Kenya, Djibouti, Somalia,
Sudan, South Sudan, Uganda and across Africa. The situation reports can be found here.
Reported war situation (as confirmed per 10 February)
Eritrean soldiers have told Tigrayan locals that they are being paid by Ethiopia for six months according to Dedebit Media today broadcasted in New South Wales.
Eritrea earlier sent mercenaries to Yemen. The Eritrean government holds a large part of its population under indefinite national service, which according to the UN constitutes Crimes against Humanity.
The Ethiopian Red Cross has said that over 80% of Tigray is cut off from aid and is unreachable. It warns that tens of thousands can starve.
The Ethiopian Red Cross also estimates that people in need is up to 3.8 million. The last estimate in January put the number at 2.3 million.
European Civil Protection and Humanitarian Aid Operation estimated that 4.5 million people in Tigray require emergency food assistance on Wednesday.
Ethiopia is closing two refugee camps for Eritrean refugees, Shemelba and Hitsats, because of their "proximity to the border with Eritrea" states the head of the refugee administration. The camps were razed by Eritrean soldiers and 20,000 refugees have disappeared.
"Many, many severe cases of malnutrition" state Red Cross, "emaciated" people who managed to escape rural areas still inaccessible in the fourth month of fighting. Displaced civilians reaching camps near major towns have skin on their bones and appear very malnourished.
Ethiopian Red Cross President states that once humanitarian workers reach Tigray's rural areas, "we will see a more devastating crisis. We have to get prepared for the worst, is what I'm saying."
Francesco Rocca, the chief of the ICRC, is in Tigray and has said that he was shocked at the situation. In a statement Rocca has said that half a million of IDP are around Mekelle, and that there is a critical shortage of "everything". Rocca has said that operations need to be scaled up.
Rocca expresses shock at the "systematic aggression to health facilities" due to looting and damage.
ENDF and Eritrean officers are training new soldiers in Axum University and around Adi Gebru near Endebaguna. Some ENDF soldiers are now found to be students from Ethiopian universities. Those captured by Tigray regional forces had university student ID-cards in their pocket.
The total Number of IDPs in Mekelle, estimated by the Social Affairs Bureau, is 68,089. This estimated number is inclusive of IDPs staying in the schools, and with families or in churches, or other in streets.
The total number of IDPs according to African Services Committee within all school campuses in Mekelle is 10,600. Out of this 1612 are under the age of 5 (M=802, F=810); 2745 are aged 6 – 14 (M=1432, F=1313); 5518 are aged 15 – 49 (M=2712, F=2806); 590 are aged above 50 (M=343, F=247).
IDPs in Mekelle come from the North West zone (Humera), Western (Sheraro), Eastern Zone (Adigrat, Zalambesa, Hawzene), Central zone ( Axum, Adwa and Tembien) and South Eastern Zone (Wajerat).
Reports of hundreds of civilians arrested and shot by Eritrean and Ethiopian forces in Adigrat, Wukro and Freweyni towns of Tigray. Reported that dozens might have been killed.
Stay at home protests continued in Mekelle and to some extent in Wukro.
Video footage of ENDF beating and intimidating civilians in Tigray circulates in social media.
Journalist and activist Meseret Daba was arrested in Addis Ababa by police forces today (10/02/21)
Reports of a fighter jet was shot down in the Southern Tigray.
Electricity was cut-off in the entire Tigray region today (10/02/2021).
NRC Country director for Sudan states that a second refugee emergency is starting in Sudan: "people flee from Ethiopia into Blue Nile state, in addition to refugees from Tigray into Gedaref state."
The UN Sexual and Reproductive Health Agency says that pregnant women are having difficulties finding support in Tigray. Where to give birth and under what conditions are major concerns for many pregnant women.
One woman described her experience "I had to leave everything behind—my belongings, my jewellery, and my livelihood that gave me some independence and strength: my cooking set."
UNFPA will also establish a women's safe space and a child-friendly space where women and children can seek mental health and psychosocial support and receive important information.
The health situation for patients with HIV/AIDS and Diabetics is alarming. Lack of medication and food aggravate their health conditions. It was observed that the Ethiopian National Defense Force (ENDF) were taking antiretroviral drugs from public hospitals by force for their soldiers. IDPs can not access ART medication. Medicines are unavailable. There is a high risk of cholera outbreak.
EU Envoy and Finnish Foreign minister Haavistoo has visited a refugee camp of Tigray refugees in Sudan. Haavisto said that he had heard "concerning reports about human rights violations".
Shemelba camp in Tigray sheltered ethnic Kunama people who were well settled without plans for onward migration. The closure of the camp, after it had been attacked by Eritrean soldiers, robs 15,000 refugees from their humble shelters and livelihoods, displacing them.
New footage of Eritrean soldiers in Mekelle, including Eritrean soldiers dressed in Ethiopian uniforms.
A Sudanese officer, a lieutenant, was killed by Ethiopian forces in Eastern Sudan while on patrol.
Reported international situation (as confirmed per 10 February)
Dep PM Demeke Mekonen accepted that Hitsats and Shimelba have been destroyed and looted. He said this in a briefing to diplomats in Addis today.
Mekonnen did not respond to the EUs and U.S. demand that Eritrean troops leave Tigray immediately.
The US committee for Refugees and Immigrants are calling for an independent UN investigation into the disappearances of refugees from camps in Tigray: "over 20,000 people are unaccounted for, and the UN believes they are dispersed in areas to which it does not have access. Credible accounts indicate that at least some of the missing are in critical danger, as refugees have reported that armed actors infiltrated the camps, killed, raped and abducted people, and Eritrean troops have forced some of the refugees back to Eritrea."
A plenary debate is scheduled in the European Parliament on the humanitarian situation in Ethiopia on Thursday (11th February) CET 14:30 and 16:30 webstreaming.
Disclaimer: All information in this situation report is presented as a fluid update report, as to the best knowledge and understanding of the authors at the moment of publication. EEPA does not claim that the information is correct but verifies to the best of ability within the circumstances. Publication is weighed on the basis of interest to understand potential impacts of events (or perceptions of these) on the situation. Check all information against updates and other media. EEPA does not take responsibility for the use of the information or impact thereof. All information reported originates from third parties and the content of all reported and linked information remains the sole responsibility of these third parties. Report to info@eepa.be any additional information and corrections.
https://addisstandard.com/news-ethiopia-deeply-concerned-by-eu-statement-on-tigray-stays-silent-on-accusations-of-eritreas-role-in-the-armed-conflict/?fbclid=IwAR1sOR6SH18ORC2O6Pwc8UxizkRDHZxns18HuoYG94mikozDua9V1ok5-7M
https://refugees.org/uscri-statement-calling-for-an-independent-united-nations-investigation-into-the-disappearance-of-refugees-from-the-tigray-region-of-ethiopia/
https://ec.europa.eu/echo/field-blogs/photos/tigray-thousands-flee-search-safety-humanitarian-needs-rise_en?fbclid=IwAR2m-ZWBCY7FvpG9haQkX_xmECc2fLfZyTfs1I1mhwal4uBxlSXD7X0yLAw
https://www.france24.com/en/live-news/20210210-ethiopian-red-cross-says-80-percent-of-tigray-cut-off-from-aid
https://www.ifrcnewsroom.org/story/en/316/after-visiting-tigray-ifrc-president-calls-for-increased-humanitarian-response/2466
https://www.unfpa.org/news/pregnant-women-struggle-find-support-stability-after-displacement-tigray-region-ethiopia
Source: EEPA
Previous Previous post: Norwegian professor threatened with death by Ethiopians
Next Next post: Ethiopia: "In Axum, I helped transport more than 300 dead bodies"


text:
Edly Review: Private Student Loans
Edly offers income-based private student loans to students within two years of graduation.
By Cecilia Clark
Cecilia Clark
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula for student loan products takes into account more than 50 data points across multiple categories, including repayment options, customer service, lender transparency, loan eligibility and underwriting criteria.
Edly offers income-based repayment student loans to students within two years of graduation. The maximum lifetime funding amount is $25,000. That makes Edly a good option if you are close to graduation and would pay less overall than with a standard private student loan or if you can't qualify for a loan with a co-signer.
Edly Private Student Loan
Min. credit score
No credit history required.
Available to students without a co-signer.
No payment required if borrower's income is less than $30,000 per year.
Borrowers have to repay 2.25X the borrowed amount if they want to pay off the loan early.
Not available to freshmen and sophomores receiving a four-year degree.
Not available to borrowers in Colorado, Maine, Vermont and West Virginia.
Compare to Other Lenders
Fixed APR
Variable APR
Since late 2021, Edly, in partnership with FinWise Bank (member FDIC) has offered income-based repayment, or IBR, student loans. Edly student loans are available to undergraduate juniors and seniors as well as graduate students at more than 1,700 schools.
Edly purchased Avenify in January 2022.
Similar to an income share agreement, or ISA, Edly's IBR loan asks borrowers to agree to pay a percentage of their post-graduation salary or a predetermined length of time to satisfy repayment. Edly's IBR has many protections and disclosures associated with standard private student loan products. They also feature maximum repayment and maximum APR caps, which prevent unpaid balances growing endlessly. Edly says its median offered income-based repayment rate is 5.8% doesn't disclose its full rate range.
You can receive up to $25,000 from Edly but must be within two years of graduation to qualify. Specifically, borrowers can get $15,000 per academic year and $10,000 for summer sessions. Approved programs include STEM, nursing, education, business, public administration, journalism, homeland security, teaching and public policy.
You don't need a co-signer for Edly loans, but you could end up paying way more than you would with a traditional student loan depending on your offer. How much you'll pay depends on the loan's specific terms and your post-graduation income. Compare the potential costs of an Edly loan with other private loan offers to get the best deal possible.
Exhaust federal loans before turning to any alternative funding option, especially if you plan to participate in a loan forgiveness program such as Public Service Loan Forgiveness. Federal student loans don't require a co-signer, either.
Say you plan to become a registered nurse and earn $83,000, the average salary for RNs in 2021. If you took out a $20,000 Edly student loan with an income-based repayment rate of 5.8%, you would repay $24,070 over five years (assuming annual salary increases of 2%). That would be similar to repaying a loan with a 4% interest rate, which is lower than many private lenders offer.
But if your income share were 7.5%, you would repay $31,125 over that same period — the equivalent of a student loan with an interest rate of 11.13%.
No matter your income-based repayment percentage, you won't pay more than 2.25 times what you borrowed. So on a $20,000 loan, your repayment can be as high as $45,000.
However, if you earn less than $30,000 a year, you won't have to make payments at all. Any months you aren't required to make payments still count toward the cap repayment period — the maximum period you can be responsible for the loan — of 120 months (10 years). If you are making payments, the term is 60 months. If an Edly loan is not repaid after 120 months, the remaining balance is canceled with no further repayment obligation.
If you want to repay an Edly loan early, you will have to pay up to the repayment cap, which is 2.25 times the borrowed amount. If your goal is to repay the debt early, consider other private student loans.
Edly Income-based Repayment Loans at a glance
Average income share of 5.3%.
Payments aren't due if you earn less than $30,000.
Total payments are capped at 2.25 times the amount borrowed.
How Edly could improve
Providing funding for students pursuing certificates.
Offer more than one repayment term.
Estimate the cost of an income share agreement
Edly income-based repayment loan details
Rates, fees and terms
Income-based repayment rates: Median, 5.8%. Full range not disclosed.
Soft credit check to qualify: Yes.
Repayment term: 5 years, but can extend up to 10 years total via deferment.
Amounts: $5,000 to $25,000.
Payment cap: 2.25 times amount borrowed.
Application or origination fee: No.
Prepayment discount: No.
Late fees: Yes; $25 or 6% of the past-due balance, whichever is less.
Compare Edly's costs with those for other financing options, like private student loans. To see what terms Edly will offer. Apply on its website.
Minimum credit score: No minimum credit score.
Minimum income for payments: $30,000.
Average post-graduation income of approved borrowers: Did not disclose.
Maximum debt-to-income ratio: 36%.
Can qualify if you've filed for bankruptcy: No.
Citizenship: Must be a U.S. citizen or permanent resident.
Location: Not available in Colorado, Maine, Vermont and West Virginia.
Must be enrolled half-time or more: Yes.
Types of schools served: Approved schools have programs in STEM, nursing, education, business, public administration, journalism, homeland security, teaching, public policy, and more.
College level: You must be within two years of graduating.
In-school repayment options:
Deferred: No payments are required while in school.
Post-school repayment options:
Grace period: Four months.
Salary floor: $30,000. Payments aren't required when you earn below this amount. If you're working full time and earning below the salary floor, those months count toward your maximum payment term of 120 months.
Unemployment deferment: Payments aren't required during periods of unemployment. If you're seeking full-time employment — and provide proof of your efforts — these months count toward your full repayment term.
In-school deferment: No.
Military deferment: No.
Forbearance: You cannot pause repayment based on a temporary economic hardship or for reasons other than the ones listed above.
Death or disability discharge: Yes.
Repayment preferences
Reports payments to credit bureaus: Yes.
Servicer: Nelnet.
In-house customer service team: Yes.
Process for escalating concerns: Yes.
Borrowers get assigned a dedicated banker, advisor or representative: No.
Average time from application to approval: Immediately.
Career services: No.
How to apply for an Edly income share agreement
Visit Edly's website to apply. Before taking out an Edly ISA or any other type of private student debt, exhaust your federal student loan options first.
» MORE: NerdWallet's FAFSA Guide
Compare your projected costs under Edly's IBR loan with other private student loan options to ensure you get the best deal possible. In addition to how much you'll repay, look at lenders' repayment alternatives and the flexibility they offer to borrowers who struggle to make payments.
Student loan ratings methodology
Our survey of more than 29 banks, credit unions and online lenders offering student loans and student loan refinancing includes the top 10 lenders by market share and top 10 lenders by online search volume, as well as lenders that serve specialty or nontraditional markets.
We consider 40 features and data points for each financial institution. Depending on the category, these include the availability of biweekly payments through autopay, minimum credit score and income requirement disclosures, availability to borrowers in all states, extended grace periods and in-house customer service.
The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.
Read more about our ratings methodologies for student loans and our editorial guidelines.
Find the Right Student Loan
Extra payments calculator
COVID-19 debt relief
Cecilia Clark is a student loans writer with NerdWallet, where she helps readers navigate the landscape around college finances. Read more


With the days growing shorter, temperatures sinking lower, and damp air creeping into the house, it can be tempting to burrow under that old electric blanket. However, you might want to consider selection of linen towels, cashmere throws, and plump knitted pouffes instead. Here, we show 12 of our favorite ways to have a happy hibernation this winter.
The textured patchwork that tops the Mangas Pouffe by Patricia Urquiola was originally introduced as a rug. Organic-wool fibers are woven in a richly textured seat that blends artisan techniques with modern—and playful—functionality.
Inspired by vernacular quilting traditions, Meg Callahan uses contemporary production techniques to create her distinctive line of blankets. This version is a limited-edition exclusive. Price: $3,000.
Old-world crafting techniques meet a modern sensibility in these 100-percent Turkish cotton towels by Michele Keeler. The highly absorbent, velvety-soft pile is designed to withstand years of use, and the cheerful color palette will add a bright note to bathrooms. Price: $18-89.
After creating the Blur sofa for Moroso in 2010, New York–based designer Marc Thorpe collaborated with Jos Pelders, of the Dutch textile manufacturer Innofa, to conceive a fabric capable of pulling off a disappearing act. A high-tech process, which translates the design of their Blur sofa onto material, involved a complex sewing machine that knits the fabric into layers, creating a luxuriously textured piece.
Designed by Claire Anne-O'Brian, this chunky stool is made from oversize knots that offer a squishy seat.
The Grand Canyon Blanket is part of Pendleton's National Bark's collection. Price: $188-218.
Made in Imabari, Japan--a town famous for its distinctive high quality toweling--these towels by Kontex are delicate and fine, but remarkably strong and super-absorbent. And because they're not bulky, they take up less space than a standard set. Price: $16-420.
The past and present collide in style with these handcrafted color-block rugs conceptualized by Barcelona designer Nani Marquina. Crafted using the traditional kilim technique, these woven wool floor coverings transform age-old weaving into a modern accent piece that brings instant impact to any room.
This wool-polyester blanket has a pixelated graphic rendered in muted greens, plums, and blues, and a cozy taupe underside. By Missoni Home, price: $935.
The stream of amazing projects that emerge from students at Design Academy Eindhoven in the Netherlands is never-ending. Alum Christien Meindertsma spent a summer in a village in Wales, shearing sheep and knitting with their wool—one article or product per animal. The resulting collection became a brand called Flocks, the ongoing product of which is the Urchin Pouf (shown).
This black-and-white cotton rug is a bold anchor for any room. Designer Suki Cheema was inspired by traditional Indonesia prints, which he's re-worked to make a modern, graphic statement. Hand-woven in India. Price: $680.
Designed by Olli & Lime, this 100-percent cotton, fleece-lined, and supersoft Egg blanket was intended for a baby's crib, but its retro colors and simple lines would look just as cool laying at the end of your bed. Price: $45.