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What are the benefits of having electricity?
How does electricity help the economy?
How does energy affect our daily lives?
What are 10 things we need energy to power?
What is energy and its importance?
Why is fuel so important in our daily life?
How is it used in everyday life?
Why is fuel important in the economy?
What is the purpose of fuels?
Why is fuel so important in our daily life give four points?
What is the importance of electricity and fuels?
How can we save fuel in our daily life?
What are the benefits of saving fuel?
How can we save fuel essay?
What is fuel conservation?
Why is saving electricity good for the environment?
How can we reduce the use of fossil fuels?
Why is it important to reduce fossil fuels?
How can we save fossil fuels in points?
What is the need of alternative source of energy?
What are the effects of fossil fuels on the environment?
What is the impact of using excess of fossil fuels?
What are the positive effects of burning fossil fuels?
What are the harmful effects of increasing fuel consumption on the environment?
How do fossil fuels affect humans?
How Does Electricity Benefit Our Lives
Our Homes. Electricity has been the most revolutionary in homes.
Food. Another large sector that benefits from electricity is the production, distribution, and preparation of food.
Commercial and Manufacturing Sectors.
Communication and Transportation.
Entertainment.
Education and Health Care.
Energy also leads to the creation of new markets, businesses and job openings, which provide more opportunities for individuals to earn an income and lift themselves, their families and their communities out of poverty. 2. A lack of a consistent access to reliable power costs businesses and the economy as a whole.
Energy is an essential part of our daily lives! We use energy to heat and cool our homes, schools, and businesses. We use energy for lights and appliances. Energy makes our vehicles go, planes fly, boats sail, and machines run. All living things need energy too.
10 Household Items That Use More Energy Than You Think
Clothing iron. Ironing your clothes may not take much of your energy, but the iron itself will use around 1,200 watts per hour.
Hair dryer.
Humidifier.
Toaster oven.
Coffee maker.
Vacuum cleaner.
Microwave.
Energy is essential to life and all living organisms. The sun, directly or indirectly, is the source of all the energy available on Earth. Our energy choices and decisions impact Earth's natural systems in ways we may not be aware of, so it is essential that we choose our energy sources carefully.
The energy produced by burning fuel has many applications, such as powering vehicles, ships, and airplanes as well as providing electricity for homes and buildings. Some common types of fuels are petro fuel, gas oil, diesel fuel, fuel oils, aviation fuel, jet fuel, and marine fuels.
Information technology is used in every sphere of life like education, communication, business, commerce, treatment and banking etc. Businesses are investing heavily into new technological trends as well as offering businesses the chance to operate more effectively through the application of information technology.
Gas is an important input for transportation, which directly impacts households as they drive, but also businesses that rely on logistics and transportation chains around the globe. If discretionary spending is hampered by higher gasoline costs, it can have knock-on effects throughout the broader economy.
The primary purpose of fuel is to supply energy; therefore, its calorific value is of prime importance. Both physical and chemical properties of gasoline differ greatly from those of diesel fuel. Motor gasoline is not a pure substance but a mixture of hydrocarbons with boiling points extending over a wide range.
Fuel is a substance that is burned to provide nuclear energy, heat or power. Materials like coal, wood, oil, or gas can provide heat when burned. Methanol, Gasoline, Diesel, Propane, Natural gas, Hydrogen are types of fuel. Nuclear energy is produced by burning plutonium.
Electricity has many uses in our day to day life. It is used for lighting rooms, working fans and domestic appliances like using electric stoves, A/C and more. All these provide comfort to people. In factories, large machines are worked with the help of electricity.
13 tips for saving fuel every day
Drive smoothly.
Stay in a high gear.
Don't keep stuff in your car.
Check tyres regularly.
Combine trips and plan your travel.
Fill it up.
Use air-conditioning sparingly.
Turn off the engine when idling for long periods.
There are several benefits of fuel conservation: 1. Promotes environmental health: lower fuel usage means decreased pollution that is usually caused by burning fossil fuel to produce energy. 3. Reduced effects of climate change: Greenhouse gas emissions are as a result of burning fossil fuels.
Get the air filters of the cars clean time to time because it reduces the consumption of petrol. At homes and commercial establishments use Led bulbs and tube lights. Use the air conditioner in moderation and always at low setting to save energy. Switch off the air conditioner, lights and fans when not in use.
Fuel conservation is an integral part of an energy conservation platform that most often concerns fossil fuels. In the context of fuel, conservation encompasses efforts to increase fuel efficiency, reduce fuel consumption and switch to more sustainable fuel alternatives.
When you consume less power, you reduce the amount of toxic fumes released by power plants, conserve the earth's natural resources and protect ecosystems from destruction. By taking steps to reduce your energy intake, you'll contribute to a healthier and happier world.
Use Less Fossil Fuels
Buy food that is locally produced.
Wherever possible, avoid buying processed foods.
Install solar panels on your roof at home so you can generate more renewable energy instead of relying entirely on oil, gas etc.
Before you turn on the ignition, ask yourself if you really need to take the car.
Burning fossil fuels like coal, oil, and gas results in carbon pollution, which causes climate change. So if we want to stop climate change (and avoid devastating extreme weather, sea level rise wiping out communities, global conflict and instability, etc.), we have to stop burning fossil fuels.
(i) Conversion into efficient forms like CNG. (ii) Protection of resources from fires. (iii) Avoid wastage of oil. (iv) Make more use of renewable source of energy like using solar energy, wind mills to generate electricity.
Today, we start using alternative sources of energy like solar power, wind power, geothermal, biomass, hydro power, waste energy and so on, because these renewable energy sources are not polluting the environment and are helping us to reduce the level of greenhouse gas emissions in the atmosphere and to reduce climate …
Fossil fuels produce large quantities of carbon dioxide when burned. Carbon emissions trap heat in the atmosphere and lead to climate change. In the United States, the burning of fossil fuels, particularly for the power and transportation sectors, accounts for about three-quarters of our carbon emissions.
Impact of use of excess Fossil fuels 1)They are non-renewable sources of energy and are no longer available if once used. 2) Excessive use of fossil fuel cause uncontrollable threat to environment. Like acid rain, global warming ,air pollution and Ozone layer depletion.
What are the advantages of using fossil fuels?
A cheap source of energy. Fossil fuels are relatively cheap.
Reliability. Fossil fuels are dependable – at the moment.
Useful by-products.
Fossil fuels are nonrenewable.
Dangerous to produce.
Refinery and oil rig explosions.
Water pollution and oil spills.
Increasing fuel consumption leads to* increase in greenhouse gases like carbon dioxide which cause global warming. *Increasing fuel consumption leads to increase in harmful gases like carbon monoxide which can cause harm to life on Earth.
Fossil fuel production and combustion is a major driver of climate change, and can also directly affect our health. But burning them creates climate change and releases pollutants that lead to early death, heart attacks, respiratory disorders, stroke, exacerbation of asthma, and absenteeism at school and work.
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The high cost of housing seemed to sap Americans' taste for coastal cities last year as cities in Texas and Arizona gained more population than New York City or Los Angeles for the first time in a decade, according to census population estimates released today.
It was the first time since 2007 that New York City did not lead the pack in population growth. That year, New Orleans added almost 39,000 residents as people started going back home after Hurricane Katrina.
New York City's overall population grew slightly between 2016 and 2017, but 143,000 more people moved out than moved in. Brooklyn accounted for more than a third of that loss, with about 51,000 more moving out than moving in. During the same period, Phoenix's Maricopa County attracted more than 39,000 new residents and San Antonio's Bexar County added 10,000. (Numbers on movers are available by county, not by city).
In Brooklyn, the only New York City borough to lose population last year, housing investors have driven away first-time buyers by snapping up the remaining affordable housing, according to an April report from the Center for NYC Neighborhoods, a public-private partnership that promotes affordable housing.
"Investors are able to beat out first-time homebuyers for whom East New York and Cypress Hills' modest two-story houses have traditionally been entry points to homeownership," the report said, referring to two neighborhoods in Brooklyn.
Meanwhile San Antonio's burgeoning population is causing traffic congestion. But Keith Phillips, an economist and assistant vice president of the San Antonio Federal Reserve, said that home prices well below state and national averages have been attracting companies and retirees.
For the second year in a row, Baltimore lost more people than any city, about 5,000. Also losing population were St. Louis, Chicago, Anchorage and Pittsburgh.
Opportunity as well as affordability may be spreading to smaller towns, recent county population data shows. Cities with between 20,000 and 30,000 residents saw increasing rates of population growth for the third straight year, adding 104,000 people as a group from 2016 to 2017.
Texas cities dominated the list of those gaining the most population from 2016 to 2017.
In addition to San Antonio, Dallas and Fort Worth were in the top five, along with Phoenix and Los Angeles.
Houston, still recovering from storm floods, eked out an increase of about 8,000 people, about 1,000 more than New York City. Both cities fell out of the top 20 after years near the top.


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It couldn't last forever. After years of historically low interest rates, the Federal Reserve has embarked on a campaign to raise benchmark interest rates to more typical levels. Rates on a 30-year fixed-rate mortgage are expected to reach 5% before the year is out ¬– a level that hasn't been seen since February 2011.
Clients of your mortgage business may be concerned about recent rate increases and the promise of more increases to come. How can you counteract their concerns and use higher interest rates to your advantage?
An individual rate increase could cause a temporary drop in mortgage business, but a program of scheduled interest rates could work to your advantage. If rates are highly likely to increase in the future, why not take advantage of the rates now before they go up even further?
You can show potential clients how an interest rate increase will affect the collective interest charges on a particular home. When clients see the potential cost of delaying a purchase until interest rates rise again, they may be spurred to action.
A successful refi depends on dropping the current interest rate enough to generate savings for the borrower after loan costs are taken into account. An increase in interest rates makes refinancing a tougher sell – especially when most borrowers who qualify for a refi have already taken advantage of years of historically low interest rates. If their current fixed rate is lower than available offerings, then there is no incentive to refinance.
Consider reducing your ratio of business devoted to refinancing and shifting more resources toward new home purchases.
If you specialize in refinance loans, you'll need to find new ways to expand your base within the refi market. Consider an ad campaign targeted at homeowners who have recently improved their credit score (and therefore may qualify for lower refinancing rates). Where are you most likely to reach these consumers in your local market? With home prices on the rise, you may be able to drive customers into cash-out refi's to take advantage of their home equity.
According to CoreLogic, there isn't much correlation between mortgage interest rates and home sales or home prices. This makes sense – we didn't stop buying homes in the 1980s, when double-digit mortgage rates ruled for the entire decade.
Prospective homeowners may adjust the size of home or type of home purchased based on what they can afford – but they won't bow out of the market entirely unless they are really on the edge of being able to afford a home. Help your customers find a home that's best for them: affordable given the interest rates for which they qualify, but within their means in a location they want.
If higher interest rates do lead to lower demand, you may need to revisit your database of mortgage leads for the next tier of potential clients. For many of your prospective customers, what might not have been right for them then, could be right for them now. Timing is everything.
Do you have a suitable lead management system [LINK TO https://www.leadpoint.com/5-tips-for-better-mortgage-lead-management/] – or a suitable cache of leads – that you can develop to find hidden gems? If not, consider the services of a mortgage lead provider who can provide the necessary leads and management services to help you succeed, regardless of the current mortgage interest rates.


Model Bank components help financial institutions improve performance and meet market demands.In general, they represent the way things should be done.
The winners of the 2013 Model Bank Awards were recognized at Innovation & Insight Day on February 27, 2013.
Read an excerpt from Celent's Model Bank 2012 report is available here.


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Know what's on the menu? Me N u.


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The United States of America/
Kansas/
Norton County
Where is Norton County, Kansas?
Location of Norton County within the state of Kansas
Norton County is a county equivalent area found in Kansas, USA. The county government of Norton is found in the county seat of Norton.
With a total 2,282.54 sq. km of land and water area, Norton County, Kansas is the 1020th largest county equivalent area in the United States. Home to 5,560 people, Norton County has a total 2520 households earning 46029 on average per year.
Norton County, Kansas - Quick Facts
FIPS Code 20137
Area Codes 785
Time Zone CST
Major Cities Norton (population: 4,316), Almena (population: 592), Lenora (population: 540), Clayton (population: 140)
Land Area 2,147 sq miles
Water Area 878 sq miles
Household Income $46,029
Median Home Value $66,000
High School Grads 88% of population
Holders of Bachelors Degrees 15% of population
Retail Spending $6,796 per capita
Food & Accomodation Sales $5,399 per capita
This page was last updated on June 30, 2016.

redpajama_set_name: RedPajamaCommonCrawl


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Secrets and Lies Adrian Levy and Cathy Scott-Clark
Hunt for the Inca Ruins
The Mercury Crisis
Guardian Weekend – Alibi for Slaughter
By adrian on March 22, 2012 in Features
The half-century-old dispute in Kashmir escalated to the brink of war in recent weeks -at a time when India, in the name of the worldwide war against terrorism, was stepping up a purge on 'militants'. Adrian Levy and Cathy Scott-Clark talk to the families who bore the brunt.
A percussive thump sent everyone running for cover. Bullets began to rattle through the town seconds after the grenade exploded. By the time screaming voices echoed along the unmade lanes around the police station, all shops were shuttered, bolts drawn. Zeeba Dar, the social worker's wife, recalls slamming her green front door. Fatima Shah, the butcher's wife, remembers closing the rose-print curtains of her higgledy-piggledy house. Both women estimate that it took the whole of Tral only minutes to hunker down – a routine well practised over 13 years of militancy.
Tral is a market town, 40km from Srinagar, the summer capital of Kashmir. At 5pm that day, December 16, 2001, Zeeba and Fatima watched the TV news. Four militants from Afghanistan were said to have stormed the town's fortified police station. It was a fidayeen attack – a suicide mission, according to station house officer (SHO) Bashir Malik. One of his men had been injured and his initial report, launching a criminal inquiry, concluded that four fidayeen had been killed. All were armed with automatic weapons and grenades and three of them had pictures of Osama bin Laden in their breast pockets. That night, everyone in Tral observed an unofficial curfew until the call of the muezzin, announcing dawn prayers.
As we drive down National Highway 1 from Srinagar shortly after the attack, past signs proclaiming "Kashmir the pride of India, envy of our neighbours", soldiers patrol the roadside. Armoured convoys carrying Indian troops scatter children like skittles. Over the saffron fields, in Tral, an angry crowd that has been demonstrating for days confronts us. They jostle and push, forcing us out of the car, rushing us up a flight of wooden stairs. "Please sit," a middle-aged man says in English, as dozens squeeze in beside us. Beside the window, a woman stares at a small photograph of a man grooming a chestnut pony. Zeeba Dar, the social worker's -wife, waits for the room to quieten. "My husband was one of the so-called Afghans the Indian security forces shot dead. But Abdul had never been further than Srinagar. He was a Kashmiri through and through. He only agreed to go to the police station to help a neighbour's son, held there on a small charge. I warned him to mind his own business." Zeeba shakes with tears.
"Both of them came back to us dead," Fatima Shah, the butcher's wife, cries hoarsely, her teenage daughter sobbing in her shadow. "My husband, Ghulam, was Abdul's best friend and went to the police station as a favour. For God's sake, can you imagine it? Tell us that this isn't retribution for what happened in New Delhi:"
Three days before the Tral incident, on December 13, 2001, the security cordon around India's Parliament House in New Delhi had been breached by a fidayeen attack that left 14 people dead, including the five gunmen. Within 24 hours, the Indian government announced that it had proof that the terrorists were members of Islamic jihadi organisations waging a guerrilla war in India's divided northern state of Jammu and Kashmir.
It was to this mountainous region that the criminal investigation shifted, a predominantly Muslim state fought over by India and Pakistan three times since Partition in 1947. During the bloody, insurgency that has rumbled on there for the past 55 years, more than 55,000 civilians, militants and soldiers have died – 15 times the number claimed by The Troubles in Ireland over the past 30 years.
Immediately after the attack on parliament, four people said to have masterminded it were arrested in Srinagar and New Delhi. Dozens more were rounded up in the Kashmir Valley, as the state's 300km National Highway 1 was closed and every vehicle on it searched. Soon all phone lines out of Kashmir, even the state's fledgling email service, were severed in a blackout that isolated more than eight million people. Tens of thousands of troops were dispatched towards the UN-brokered cease-fire line that has divided the state since 1949. India sowed its border with hundreds of thousands of land mines and test launched a ballistic missile. Two new nuclear nations tipped towards war, threatening the most serious conflagration between them since Partition.
In the face of international calls for calm, the inspector general of police in Kashmir held a press conference to announce he was analysing evidence that Pakistan had helped al-Qaida operatives infiltrate the Valley. Atal Bihari Vajpayee, the Indian prime minister had told the nation: "Now the battle against terrorism has reached a decisive moment. This is going to be a fight to the finish." L.K. Advani, the hard-line home minister, had pledged: "We will liquidate the terrorists and their sponsors, whoever and wherever they are," adding, "Bin Laden is a hero among …terrorists active in Kashmir."
Terror has undoubtedly been exported from Pakistan into the Kashmir Valley, and there is little doubt that the attack on the Indian parliament on December 13 was an act of terrorism. Pakistani hardliners were probably responsible – intent on undermining their president, Pervez Musharraf, who had begun a crack-down on home-grown militants, and also seeking to embroil India and its Kashmiri militancy in the wider conflict being played out in Afghanistan. When the attack in Tral happened three days later, it appeared to demonstrate India's point – that Kashmir was, like nearby Afghanistan, a crucible for terrorism where Indian security forces ran the risk of being blown up everyday.
But what the Tral suicide attack actually demonstrated was the existence of a completely different kind of terror. In the wake of the killing of the butcher and the social worker, so many people converged on the town to protest at their innocence that the Inspector General of Police was forced to drive from Srinagar to placate them. An inquiry found that only two militants had been involved in the incident, and that both of them were Kashmiri. In the gunfight that followed, they had been killed and the Indian security forces had then turned their weapons on Tral's social worker and its butcher, who had been visiting a prisoner. A post mortem report reveals the frenzy of the killing: Abdul Dar shot 32 times, Ghulam Shah "barely recognisable". The report concludes that the two men "had no connection with the militancy". Officer Malik was quietly transferred.
If the murders had been an isolated event, then maybe the heightened tensions of the Afghan war and the parliament attack would have provided some mitigation. Even the planting of weapons and photos of Bin Laden, the fabrication of reports, could be put down to war panic. But high court lawyers from Srinagar are investigating more than 50 suspicious deaths at the hands of the Indian security forces stationed in the 10 bases that encircle Tral (population 50,000). Across the Indian-controlled section of Jammu and Kashmir, an unprecedented number of allegations of torture, rape and extra-judicial killing by security forces are now surfacing, suggesting that the story of Tral is anything but unique.
Talking to us in his chambers in the rickety heart of old Srinagar, Parvez Imroz, a high court lawyer specialising in human rights cases, says, 'A considerable number of civilian deaths have been blamed on militants, when in fact the Indian security forces are responsible. The world should be clear that Kashmir is caught between two kinds of terror: one perpetrated by Pakistan-backed gunmen and the other by the Indian state."
<b>For more of this story please contact us.</b>
← The Sunday Times Magazine – State of Despair
Sunday Times Magazine – Feud of the Gods →
The Exile: The Flight Of Osama Bin Laden.
"The Exile is a remarkable achievement. Through years of research, investigative work, and interviews, the authors have artfully woven together a gripping account that reads like a thriller -- Al-Qaeda's story from their own perspective." -- Suroosh Alvi, co-founder of VICE
"This riveting account of Osama bin Laden's last decade is the most important and revealing book about the Al Qaeda leadership in years. The role of the Iranian and Pakistani 'deep states' in hiding bin Laden and his family is fascinating and disturbing." -- BRUCE RIEDEL, former CIA analyst, counterterrorism expert, and advisor to four U.S. presidents
"A fascinating, dynamic and detailed account - based on considerable research - of how the ideas and people of al Qaeda survived and revived after 9/11." -- Richard Barrett - former head of counter terrorism for MI5 and MI6
Our Last book


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2018 Bay Health Report Shows Decline; Overall Trend Good - WBOC-TV 16, Delmarvas News Leader, FOX 21 -
2018 Bay Health Report Shows Decline; Overall Trend Good
Wednesday, May 22, 2019 5:52 PM EDT
By Amy Lu
alu@wboc.com
CAMBRIDGE, Md. - There's no smooth sailing for the Chesapeake Bay yet. University of Maryland scientists say the Bay's health dipped in 2018 and last summer's severe weather is to blame.
In 2017, the Bay got an overall C grade at 54-percent, but in 2018, it dropped to 46-percent, which is still considered a C.
The reason for the drop: lots and lots of rain.
There was record rainfall in places like Maryland last year - some areas saw as much as 72 inches. Indicators in the Bay like water clarity as well as crab and fish populations fell.
But University of Maryland Scientist Bill Dennison says despite the slip, overall trends and more than a decade of science prove the Bay's health is still improving.
"For the last four years, we've been able to report improving scores," Dennison said. "We've changed the course. We have been steadily eroding uh the ecosystem and integrity of the Chesapeake Bay and now we're starting to build it back up with more resilient communities."
But watermen, like Rob Newberry of the Delmarva Fisheries Association argue the state of the Bay is much worse. With years and millions of dollars already spent, he says saving the Bay is not working.
"It will get better overtime, but don't paint a good picture of something that isn't right," Newberry said. "We've got rainfall. We've got neglect and we've got ignorance as to what exactly is the problem with the Bay. It's pollution."
2018 Bay Health Report Shows Decline; Overall Trend GoodMore>>
Elderly Wicomico County Homeowner Almost Loses Her Home in Tax Sale
Delaware State Police Arrest Teen for Having Handgun on School Property
Wicomico River Dredging Project Makes Progress
On time and on budget: that's the status report from the Army Corps of Engineers on its dredging project of the Wicomico River.
The Army Corps started the dredging in December and already, crews have dredged 22,000 feet of the upper portion of the Wicomico River with only 6,000 more feet to go.
Maryland NewsMaryland NewsMore>>
Puerto Ricans in Cambridge Voice Concerns for Donation Process to the Island
Puerto Ricans across Delmarva are worried about their loved ones following the earthquake that recently rocked the island. That is why one local woman is making efforts to make sure she can help those affected by the quake.More
On time and on budget: that's the status report from the Army Corps of Engineers on its dredging project of the Wicomico River.More
On time and on budget: that's the status report from the Army Corps of Engineers on its dredging project of the Wicomico River. More
Bay Bridge Cashless Tolling on Thursdays & Fridays to be Discontinued End of January
Posted: Tuesday, January 21 2020 11:26 AM EST2020-01-21 16:26:58 GMT
(Photo: WBOC)
The temporary operation of cashless tolling at the Chesapeake Bay Bridge on Thursdays and Fridays – put into effect in October 2019 to help minimize traffic backups during the westbound deck rehabilitation project – will end on Friday, Jan. 31.More
Martin Luther King Event Held at Wicomico Civic Center
Hundreds of people gathered at the Wicomico Youth and Civic Center for the 34th annual MLK Youth Celebration on Monday. It was a day filled with song, dance, public speaking, and a free breakfast that was hosted by the Salisbury High School Association. TMore
Hogan Returns Nearly $63K in Campaign Contributions
Maryland Gov. Larry Hogan (Photo: AP)
Maryland Gov. Larry Hogan has returned $62,950 in campaign contributions, according to his campaign finance report for this month.More
Maryland Gov. Larry Hogan has returned $62,950 in campaign contributions, according to his campaign finance report for this month. More
Peninsula Regional Health System, McCready Health Merger Gets Final Approval
Peninsula Regional Health System President and CEO Steve Leonard announced Tuesday that the Maryland Healthcare Commission has granted final approval for PRHS to assume ownership of Crisfield, Md.- based McCready Health.More
The Maryland Healthcare Commission has granted final approval for Salisbury, Md.-based Peninsula Regional Health System to assume ownership of Crisfield, Md.- based McCready Health.More
Hogan's Violent Crime Bills Introduced in Md. General Assembly
Maryland Legislative Hall (Photo: WBOC)
Maryland Gov. Larry Hogan's legislative initiatives to address violent crime were introduced in the General Assembly on Monday evening.More
Huge Crowd Has its Say on Wind Farms off Maryland and Delaware Coast, Now the Wait Begins
Posted: Saturday, January 18 2020 6:33 PM EST2020-01-18 23:33:24 GMT
Updated: Monday, January 20 2020 6:54 PM EST2020-01-20 23:54:57 GMT
A standing room only crowd descended in Ocean City to hear and be heard on the issue of wind power off the coasts of Maryland and Delaware. The Ocean City Fire Department estimates there were 1,850 people in attendance.More
Community Foundation's Women's Fund Raises Nearly $10K for Village of Hope
Donna Richardson, president/CEO of the Village of Hope, receiving the proceeds from the Community Foundation's Women's Fund holiday reception from Women's Fund members and staff of the Community Foundation. (Photo: Community Foundation)
Members of the Community Foundation of the Eastern Shore's Women's Fund raised more than $9,800 in donations for the Village of Hope at the annual Women's Fund holiday reception in December, organizers announced Monday.More


text:
Do car dealerships discriminate against some races?
By Maria LaMagna
Published: Jan 13, 2018 10:52 a.m. ET
A new report says white borrowers get better financing options
Courtesy Everett Collection
Better financing options can be meaningful to consumers' budgets.
MariaLaMagna
One way to get a better loan on the car you're buying? Being white.
Car dealerships discriminate against nonwhite buyers, according to a new report from the National Fair Housing Alliance, a Washington, D.C.-based nonprofit that advocates against housing discrimination.
The alliance sent 16 "testers" into eight franchised car dealerships in Virginia, between fall 2016 and spring 2017. The testers were paired up into teams — one white, one nonwhite — and visited the same dealership within 24 hours of one another. They all asked about buying the same 2017 car and with the same identification number. They visited the dealership alone and did not tell the dealership about their fellow "tester."
In 5 of 8 tests, the nonwhite testers who were more creditworthy than their white partner were given more expensive financing options.
In every pair, the nonwhite person visiting the dealership was more creditworthy, the Alliance said, based on factors including their credit history, FICO credit score and debt to income ratio.
The white and nonwhite testers were matched in their pairs based on their gender and age and had credit scores in close range, with the nonwhite tester's being higher. In seven of the eight pairs, the nonwhite tester had a higher income.
And yet in five of the eight tests, the nonwhite testers who were more creditworthy than their white partner were given more expensive financing options.
Don't miss: Do Americans tip people of color less money?
The nonwhite testers would have paid more than $2,600 more over the life of the loan than the white testers in those cases. And 75% of the time, the white testers were offered a greater variety of financing options than nonwhite testers.
Higher auto loan interest rates can make some vehicles prohibitively expensive
Seemingly small differences in auto loan interest rates can have dire consequences down the road, especially for subprime borrowers who may not have the funds to spare on higher interest rates. Being unable to pay car payments sometimes leads consumers to financial consequences, including missing bill payments that can make their credit scores worse.
What's more, cars are one of the largest purchases a family will make, the Alliance said, and they are often necessary for consumers who live far from their jobs. Americans owe more than $1.2 trillion in auto loans, according to the Federal Reserve Bank of New York. Nearly a quarter of the adults the Federal Reserve surveyed in 2016 said they or their spouse purchased or leased a new or used vehicle in the last year.
That is a small sample size from which to draw conclusions, a spokesman for the National Automobile Dealers Association (NADA), a trade group, said. "Every customer deserves to be treated fairly, and there is no place for discrimination in auto lending or sales," he said. "However, it is highly irresponsible to draw conclusions from a study based on a total of eight interactions that did not even lead to sales in a market where 17 million actual sales occur each year."
Other reports found auto dealers have different pricing for different races
But this is one of many studies in recent years that have highlighted discrimination in auto sales. Last October, the National Consumer Law Center said that many "add-ons" targeted Hispanic buyers more than any other race. The add-ons include service contracts, guaranteed asset protection (GAP) insurance, and window etching, make up a large share of dealers' profits. "These abuses, damaging enough in themselves, set in place a chain of other consequences for consumers," it said. "The expensive add-ons increase the price of cars, putting them out of reach for some consumers."
That report analyzed a national data set of three million add-on products sold from September 2009 through June 2015. One customer in Kentucky who paid $299 for window etching never knew that another customer at the same dealership paid $1 for the same product. (The report used a list of Hispanic surnames created by the Federal Reserve Board's Office of Fair Lending Enforcement based on the U.S. Census identification of common Spanish surnames.)
In 2015, the U.S. Department of Justice and the Consumer Financial Protection Bureau settled a discriminatory lawsuit with Honda, alleging it "engaged in a pattern or practice of discrimination against African-American, Hispanic and Asian/Pacific Islander borrowers in auto lending." In addition to the $24 million in payments, Honda agreed to pay $1 million to fund a consumer financial education program focused on consumer auto finance that is designed to benefit African-American, Hispanic and Asian/Pacific Islander populations. (Honda was not immediately available for comment.)
The Department of Justice fined banks for discrimination
Lenders in other industries have been accused of discriminating against nonwhite borrowers. J.P. Morgan JPM, -0.98% Chase & Co. settled with the Department of Justice in 2017 for $55 million, over allegations their independent brokers discriminated against nonwhite customers who were seeking mortgages.
Former U.S. Attorney Preet Bharara filed a complaint that said J.P. Morgan charged African-American and Hispanic borrowers higher rates than white borrowers from 2006 to 2009, which would violate the Fair Housing Act. The bank denied wrongdoing.
The Consumer Financial Protection Bureau has also investigated discrimination in auto financing, and fined Ally Bank ALLY, -0.79% and American Honda Finance Corp, two lenders, for restitution to borrowers in 2013. But NADA struck back and said the CFPB's methodology contained errors.
Consumer advocates say discrimination in retail sales persists
Several consumer groups said the Alliance's latest report provides evidence of a problem that has existed for a long time. "We commend NFHA for their incredible work and urge lawmakers at the state and federal level to use their power to fight against this type of unlawful discrimination and financial abuse," said Mike Calhoun, the president of the Center for Responsible Lending, a nonprofit based in Durham, N.C.
NFHA's investigation provides yet more evidence of what civil rights and consumer advocacy organizations have been saying all along," said Vanita Gupta, the president and CEO of The Leadership Conference on Civil and Human Rights, an organization made up of various civil rights interest groups, based in Washington, D.C. "Racial discrimination still exists in the consumer finance industry."
Many consumers, regardless of their race, aren't getting the best rates. A majority of consumers who are buying new cars do not shop around for the best rates, and as a result, buy lower-quality cars, or pay more interest than they need to, according to an analysis by researchers at MIT's Sloan School of Management and Brigham Young's Marriott School of Business.
Why it makes more sense to rent than buy
My fiancé wants me to move into the home he shared with his ex-wife — and help with his mortgage
Here's what U.S. colleges will look like in 2030
Maria LaMagna
Maria LaMagna covers personal finance for MarketWatch in New York.
JPMorgan Chase & Co. U.S.: NYSE: JPM
Ally Financial Inc. U.S.: NYSE: ALLY


SBI Clerk (Junior Associates) exam will be conducted by State Bank of India to select the candidate for clerical cadre in its various branches across the country. The Junior Associates are responsible for all the client operations and interactions. SBI is the largest recruiter of the interested candidates for the clerical cadre jobs.
Previous year cutoff trends etc.
The time duration for Preliminary exam was for a total of 1 hour without sectional timings.
The Mains examination had separate sectional timings. SBI Clerk mains exam also will have separate cutoffs for each state and will be announced in the official website after the declaration of the result. The scorecards will be published after 7 days of the declaration of the result.
The final merit list for 2018 will be prepared based on the marks obtained by the candidates who have taken the Mains examination. The merit list will be available both Category and State wise on the official website of the SBI.
The candidates who cleared the mains exam cutoff will be selected for Language test which will be the final process in SBI and then the selected candidates will be recruited by the State Bank of India. Since there will be no Interview Process from this year, the Mains exam and the Language test will be the final round for recruiting the candidates for SBI.


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Home > Video
Is this how Taiwan treats its migrant fishermen?
The UK-based group Environmental Justice Foundation (EJF) this week released a report and video that it says shows gross human rights violations and serious illegal fishing offences aboard the Taiwanese fishing vessel Fuh Sheng 11, the first boat in the world to be detained for violating new international standards of decent work in the fishing industry. The group said when the boat was detained in South Africa earlier this year, Taiwan's Fisheries Agency had the opportunity to take action, but instead conducted a botched inspection, announced there were no human rights issues and allowed the boat to go free. EJF said crew members later told its investigators of beatings from the captain, 22-hour working days and serious injuries to migrants working in dangerous conditions. They also reported that the vessel had illegally finned sharks, including endangered hammerheads, according to EJF. Taiwan's Fisheries Agency (FA) this week issued a statement saying the boat has returned to harbor in Kaohsiung city and is now being investigated to see whether it indeed abused workers, owed them wages, failed to provide proper insurance, and deducted their salary. The FA said the boat owner has already been fined NT$300,000 for not following regulations in hiring workers. It will also be investigated to see if it had indeed carried out illegal fishing, including catching endangered sharks, and shark finning, the FA said. If the allegations prove to be true, the case could be further reminder of a longstanding problem – that Taiwan has laws, but enforcement is sometimes lax. This issue is especially sensitive as Taiwan is eager to prevent the European Union from issuing a red card on its fishing industry for illegal, unreported and unregulated fishing (IUU). Watch the EJF's video to see what the migrants who worked on the boat said. (Video courtesy of EJF.) Posted on Sept. 15, 2018
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Dolphins killed, sharks finned by Taiwanese fishing boats
What Taiwan's election results mean to you
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Chłodniki planetarne – część pieca cementowego służąca do schładzania klinkieru pod koniec procesu jego wytwarzania.

Czynnikiem chłodzącym jest powietrze zewnętrzne zasysane przez układ wentylacyjny pieca. Efektywność chłodzenia zwiększają łopatki przesypowe, umiejscowione w wylotowej części chłodników i zamocowane do płaszcza walczaka oraz łańcuchy zmniejszające szybkość przesuwu klinkieru, pracujące w środkowej części chłodnika.

Obecnie coraz częściej zastępowane przez chłodniki rusztowe.

Zobacz też
 cementownia

Przypisy

Bibliografia
 Patent PRL nr 61044

Piece przemysłowe

redpajama_set_name: RedPajamaWikipedia


BOSTON – The Environmental League of Massachusetts Action Fund PAC has endorsed She Chalifoux-Zephir of Leominster in the election for the Worcester and Middlesex State Senate district, a credit to her commitment to the environment.
Sue began her career in public service fighting to preserve open space and protect clean water in North Central Massachusetts. In the State Senate, she'll stand up to special interests and support policies that reduce greenhouse gas emissions and fossil fuel consumption, encourage renewable energy and energy efficiency, create new jobs in the green energy economy, and protect open space in North Central Massachusetts. Sue will support policies and technologies that help reduce the carbon impact of our transportation sector, which is now the largest greenhouse gas emitter in our economy, to help Massachusetts achieve the goals of the Global Warming Solutions Act to reduce emissions by at least 80% by 2050.
Sue Chalifoux-Zephir is a lifelong resident of Leominster, mother of three, and grandmother of two. She is the Executive Director of Ginny's Helping Hand, a nonprofit food pantry, and serves on the board of the Leominster Education Foundation and is a trustee of the Leominster Public Library. She is currently a City Councilor-at-Large in Leominster. To learn more about Sue, please visit her website at sue4senate.com.


As predicted from leaked reports last year, the World Trade Organisation has rejected the appeal of various countries against plain packaging. This is an unfortunate but important development because it shows that the WTO will not stand up for trademarks and intellectual property rights.
... Australia's law, introduced in 2010, bans logos and distinctively-coloured cigarette packaging in favour of drab olive packets that look more like military or prison issue, with brand names printed in small standardised fonts.
The challenge to it was seen as a test case for public health legislation globally, and could lead to tighter marketing rules for unhealthy foods and alcohol as well as tobacco.
...the "domino theory" i.e. that once a measure has been applied to tobacco it will be applied to other products is patently false.
I can't believe the 'public health' people tricked us again! If only someone had warned us!
Oh well, I guess it's open season on the packaging of any product that displeases the puritans.
As for the legal case itself, Sinclair Davidson shows how the Australian government lied to the WTO here and here.


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Yellowstone officials assess damage after historic floods
Jun 14, 2022, 5:40 AM | Updated: Jun 25, 2022, 8:54 pm
High water levels in the Lamar River eroding the Northeast Entrance Road. (Yellowstone National Park/Facebook)
(Yellowstone National Park/Facebook)
BY AMY BETH HANSON, ASSOCIATED PRESS
HELENA, Mont. (AP) — A torrent of rain combined with a rapidly melting snowpack caused a deluge of flooding that forced the evacuation of some parts of Yellowstone National Park, cutting off electricity and forcing park officials to close all entrances indefinitely, just as the summer tourist season was ramping up.
While numerous homes and other structures were destroyed, there were no immediate reports of injuries. Yellowstone officials said they were assessing damage from the storms, which washed away bridges, caused mudslides and left small cities isolated, forcing evacuations by boat and helicopter.
It's unclear how many visitors are stranded or have been forced to leave the park and how many people who live outside the park have been rescued and evacuated.
All Yellowstone NP entrances closed due to severe flooding, rockslides
Some of the worst damage happened in the northern part of the park and Yellowstone's gateway communities in southern Montana. National Park Service photos of northern Yellowstone showed a mudslide, washed out bridges and roads undercut by churning floodwaters of the Gardner and Lamar rivers.
The flooding cut off road access to Gardiner, Montana, a town of about 900 people near the confluence of the Yellowstone and Gardner rivers, just outside Yellowstone's busy North Entrance. Cooke City was also isolated by floodwaters and evacuations were also issued for residents in Livingston.
Officials in Park County, which encompasses those cities, said on Facebook Monday evening that extensive flooding throughout the county had made drinking water unsafe in many areas. Evacuations and rescues were ongoing and officials urged people who were in a safe place to stay put overnight.
WATCH: Aerial video shows paved road in @YellowstoneNPS eroded and washed out due to high water levels in nearby river.
🎥: YNP
More on the flooding here: https://t.co/n00dtiiY7T pic.twitter.com/oNMNK68qRV
— KSL 5 TV (@KSL5TV) June 13, 2022
The Montana National Guard said Monday it sent two helicopters to southern Montana to help with the evacuations.
Cory Mottice, a meteorologist with the National Weather Service in Billings, Montana, said rain is not in the immediate forecast, and cooler temperatures will lessen the snowmelt in coming days.
"This is flooding that we've just never seen in our lifetimes before," Mottice said.
Scientists say climate change is responsible for more intense and more frequent extreme events such as storms, droughts, floods and wildfires, although single weather events usually cannot be directly linked to climate change without extensive study.
The Yellowstone River at Corwin Springs crested at 13.88 feet (4.2 meters) Monday, higher than the previous record of 11.5 feet (3.5 meters) set in 1918, according the the National Weather Service.
At a cabin in Gardiner, Parker Manning got an up-close view of the water rising and the river bank sloughing off in the raging Yellowstone River floodwaters just outside his door.
"We started seeing entire trees floating down the river, debris," Manning, who hails from of Terra Haute, Indiana, told The Associated Press. "Saw one crazy single kayaker coming down through, which was kind of insane."
On Monday evening, Manning watched as the rushing waters undercut the opposite riverbank, causing a house to fall into the Yellowstone River and float away mostly intact.
Floodwaters inundated a street in Red Lodge, a Montana town of 2,100 that's a popular jumping-off point for a scenic, winding route into the Yellowstone high country. Twenty-five miles (40 kilometers) to the northeast, in Joliet, Kristan Apodaca wiped away tears as she stood across the street from a washed-out bridge, The Billings Gazette reported.
The log cabin that belonged to her grandmother, who died in March, flooded, as did the park where Apodaca's husband proposed.
"I am sixth-generation. This is our home," she said. "That bridge I literally drove yesterday. My mom drove it at 3 a.m. before it was washed out."
On Monday, Yellowstone officials evacuated the northern part of the park, where roads may remain impassable for a substantial length of time, park Superintendent Cam Sholly said in a statement.
But the flooding affected the rest of the park, too, with park officials warning of yet higher flooding and potential problems with water supplies and wastewater systems at developed areas.
The rains hit during the high tourism season: June, at the onset of an annual wave of over 3 million visitors that doesn't abate until fall, is one of Yellowstone's busiest months.
Yellowstone got 2.5 inches (6 centimeters) of rain Saturday, Sunday and into Monday. The Beartooth Mountains northeast of Yellowstone got as much as 4 inches (10 centimeters), according to the National Weather Service.
In south-central Montana, flooding on the Stillwater River stranded 68 people at a campground. Stillwater County Emergency Services agencies and crews with the Stillwater Mine rescued people Monday from the Woodbine Campground by raft. Some roads in the area are closed because of flooding and residents have been evacuated.
"We will be assessing the loss of homes and structures when the waters recede," the sheriff's office said in a statement.
The flooding happened while other parts of the U.S. burned in hot and dry weather. More than 100 million Americans were being warned to stay indoors as a heat wave settles over states stretching through parts of the Gulf Coast to the Great Lakes and east to the Carolinas.
Elsewhere in the West, crews from California to New Mexico are battling wildfires in hot, dry and windy weather.
Associated Press writers Thomas Peipert in Denver, Mead Gruver in Fort Collins, Colorado, and Lisa Baumann in Bellingham, Washington, contributed to this report.


Many small businesses outsource workers. Usually, it's for duties that aren't needed all the time, so hiring freelancers makes financial sense. Not everyone can afford in-house IT support, even tech industry startups.
Having IT support is definitely a business necessity. But, should you hire IT specialists that will be fulltime employees, or should you outsource those services? Let's take a look at some of the pros and cons to outsorcing IT support.
The value of an employee is measured by their abilities and dedication. If you hire one IT professional, your company relies on the abilities of that one employee to cover all tech issues. Also, an IT professional is experienced and trained in that segment of work, but might not be able to cover other types of office duties.
If you decide to outsource, you could hire an entire IT team that's available whenever your company needs them. Such a team could also be available for workshops and could educate your full-time employees about IT solutions. The most important this is to have highly skilled professionals working for you.
Technology is very progressive and keeps changing all the time. Your company will need software updates and security checks. But, because software updates come up periodically, your company won't be the only one in need of software upgrades. Other companies will need them too, at about the same time.
Contractors usually have many clients. This means they can perform updates for more than one client over a short period of time. IT professionals who freelance for various clients know how to work fast, and can implement tech upgrades on tight deadlines, thus saving you money.
Flexibility is more important to smaller companies and startups, while large companies benefit more from availability. A large office with many employees is more likely to hire in-house experts, because there's a greater demand for their services. System backups, data security, disaster recovery solutions – big companies need these issues covered at all time.
Smaller companies, on the other hand, prefer flexibility over availability. This is why they would benefit more from outsourced IT workers in comparison to having someone in-house. Freelancers can get called up when their services are needed. Of course, you need realiable freelancers are instantly available when needed, or can work on a seasonal schedule and perform periodical maintenance and system upgrades.
Each full-time employee is a big investment, and this is especially important to startups that have to balance funds and investor donations. There are a lot of expenses. As an emplyoer, you need to cover the cost of in-house training, employment taxes, retirement plans, health insurance and much more. What about contracted workers?
Outsorcing can definitely reduce costs in this segment. Contractors may have a higher hourly rate than full-time employees, but can be more affordable in the long run, because their services aren't needed all the time. There is no fixed overhead cost. They charge by the hour, you pay by the hour. When do they work? When you need IT problems solved.
If you work in tech, having an IT team is definitely a smart choice. If you provide services that depend on technological innovations, both your company employees as well as your clients will need IT support that is available at any time.
Additionally, hiring full-time IT workers will lower business risks. Your IT crew will be an integral part of your office, which means they will know your methods and work-flow. They will have more insight into the inner workings of your company culture.
Most importantly, with an in-house IT team, innovations will be available to you at all times. Your company will know in advance when updates are available, which means your office will always be prepared for any type of tech upgrade.
Client confidentiality is crucial. Cyber security has to be covered. Your IT department will have access to highly valuable client data that has to be protected and kept private. If your IT experts are working for you full-time, they will have a deeper knowledge of your client base and the relationships those clients have with your company. They will have a better grasp on the importance of private data.
Freelancers could be less reliable. Outsourced IT professionals might not know what data has to be protected. There's the risk of compromising and exposing valuable data. Wouldn't it be more reliable to hire someone full-time? Having your IT crew close by will create a safe office with loyal clients.
Less control means more risk. It's better to have insight into every segment of how your company is conducting its business. When you outsource IT professionals, you might not be getting those professionals that actually signed your work agreement. They might outsource those services themselves, to someone cheaper, and make a profit while saving time. Or, they might give smaller tasks to interns who just aren't ready for actual work.
You'll also have less control over deadlines, as contractors handle multiple clients at the same time. Can you afford to wait? Projects might take longer time to be completed, leaving you with unsatisfied clients and bigger expenses. This is where outsourcing could lead to long-term damage to your company.
As you can see, deciding between IT freelancers or full-time employees might be the toughest choice your company has to make. A lot of factors have to be considered, and what's more financially affordable might not even be the best choice. Cyber security is also incredibly important.
Whether you decide to outsource or hire IT professionals full-time, be very careful when selecting who do you want to work for you. Your IT workers have to be both reliable and available exactly when you need them. What you are creating is a long-term business relationship, so always have your major company goals in sight.


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Votefinder: Counter-Strike: Mafia
Moderator: tearshed
Game Day: Day 6 began 7 years, 5 months ago on July 28, 2014, 3:29 a.m.
Deadline: in 0 minutes, on July 30, 2014, 3:30 a.m. EDT
Last updated: 1 day, 22 hours ago
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I was recently teaching a musician wellness class for a group of high schoolers (with a few college students/grownups mixed in), and the bulk of the girls were very hypermobile, especially in their knees and elbows. They were also, coincidentally very disembodied and disconnected from their body, as many teenagers (and people) can be. When I explained what hypermobility is, and how to tell if your knees are hypermobile, one girl immediately said "This is how I always stand (knees locked out beyond 180 degrees). Should I not do that anymore? It doesn't hurt." I in turn suggested that she not lock out her knees or elbows, but it reminded me of another side of hypermobility - that of pain, joint dysfunction, and potential damage to the surrounding tissues that may take years to manifest.
Aside from hypermobile knees and elbows, many people have unstable wrists, fingers, thumbs, and other joints.
I've mentioned hypermobility before, but mostly in terms of fingers that won't behave in the context of music (piano, violin, clarinet, etc). Joint hypermobility syndrome is often characterized by many hypermobile joints, i.e. joints that move beyond normal range of motion. Yet, hypermobility is also a result of inherited (genetic) factors, lack of proprioception (knowledge of the where the body is in space), muscle weakness/strength imbalances, as well as all-over joint instability and susceptibility to soft tissue and joint injuries, as well as pain. It can also be part of a larger diagnosis, such as Ehler-danlos syndrome or Marfan syndrome, amongst others. (*Ehler-danlos syndrome is a connective tissue disorder than can manifest in many other non-hypermobile ways, including internal organ and skin dysfunction).
This woman's standing left leg is locked out past 180 degrees, meaning that the joint is not stable and her left hamstrings and calves aren't supporting her weight. In addition, her right leg easily moves to 180 or more degrees, so the result is that neither group of muscles is being stretched but instead ligaments are doing the bulk of the work here.
I recently read a very insightful blog in Yoga International, about a woman diagnosed with JHS, working with a wide range of symptoms including joint pain, excessive range of motion, immunity challenges, osteoarthritis, and a host of other health challenges. When someone who is hypermobile loads an unstable joint with weights or body weight, they are not using muscles to hold themselves up, but instead their ligaments are bearing the brunt of the job. Most hypermobile students do not need to stretch their ligaments, although the muscles themselves may be weak and at a shortened resting length. They often instead need to build strength and stability within a joint, rather than continually expanding range of motion. I myself am not particularly hypermobile, but I have seen excessive ranges of motion glorified in yoga, gymnastics, exercise, and other movement disciplines as a "goal." One thing to keep in mind is whether achieving a pose or movement is an aesthetic goal, or a movement goal. Dancers are often hyper mobile, and the attainment of a certain dance position is an aesthetic goal, despite how it affects the body long term, and that's a separate issue.
Some of my yoga teachers tell horrifying stories of debilitating pain after yoga classes in which they used their inherent joint instability to "achieve advanced poses" or perform impressive feats, only to regret it later. Even if you're not a yoga teacher or practitioner, it's important to be sensitive to the fact that most people who are hypermobile don't know that they are, and don't know that there's a potential for long term tissue damage and pain, even though pain may not manifest for years (or ever). As musicians, music instructors, and movement educators we have the ability to help our students find their natural joint ranges of motion, strengthen their tissues, and help them in their own journey of kinesthetic learning.
I've been totally overwhelmed at the thousands of people who've read my last post, The Darker Side of Hypermobility, and I wanted to offer a part 2 of resources, suggestions, and other very well thought out blogs worth reading on the subject for a large range of movement professionals. There is a ton of material on this subject, and I'm delighted to see so many people interested in supporting their clients through education, better assessments, and more.
-Seek a movement professional who can help assess your ROM and identify where you need to stabilize your joints. That may be an Alexander Technique teacher, Feldenkrais teacher, Yoga Tune Up® instructor, Restorative Exercise Specialist, strength and conditioning coach, Pilates teacher, physical therapist, Rolfer, or other professional.
-Make your goal to increase proprioception (awareness of your body in space, awareness of your joints), through whatever means necessary. This can be a movement class, a bodywork session, self-massage with Yoga Tune Up®/Melt Method®, etc.
-Stop doing whatever is hurting you most, whether that be working with a coach/instructor who pushes you to your limits (or beyond) or a class that praises your "flexibility" as an end goal.
-Start addressing your muscle "tightness" (and weakness) issues, and stop using your ligaments to do the job.
Self massage is an amazing way to increase proprioception and manage pain.
-Seek a medical professional's advice, as to whether your hypermobility is part of a larger diagnosis, or correlates with other issues you may be having with your health.
Why You Must Not Stretch Hypermobile Clients, by Eric Cressey. Great overview of ROM challenges in the strength and conditioning space for the hypermobile client.
Managing Laxity in Lifters and Athletes by Tony Gentilicore- this is probably one of my favorite blogs on the subject from the strength and conditioning vantage point. Right away, he establishes a major priority (which I agree with) to be "increase proprioception and re-establish proper stabilization of major joints."
Teaching the Hypermobile Dancer -this is more science oriented from the vantage point of a British PT, but definitely worth reading.
Pilates for Hypermobility- Much in line with the other articles here, this is a general blog on suggestions for pilates instructors.
Hypermobility- Keeping it In the Box: A short article on controlling ROM for pilates instructors.
Mobility's Dark Side, by Brooke Thomas - Brooke is a terrific writer, podcaster, and movement thinker, and her blog for Breaking Muscle is excellent.
WAWADIA, curated by Matthew Remski. This ongoing blog/project/future book is looking at the hard questions in the yoga community, and Matthew has talked about the praise of hypermobility many times. This is just one interview with Diane Bruni in a series of many thought-provoking interviews.
Is too Much Stretching Bad for you? by Jill Miller- Jill (and many other YTU teachers, including Trina Altman) has been incredibly open about her experience with joint instability and pain as a result of too much yoga. Jill (and the Yoga Tune Up®) challenges a dominant yoga paradigm of stretching and flexibility as the "goal" of yoga asana.
Hypermobility by Katy Bowman- As usual, KB schools the world on what hypermobility really means in general populations, and reminds us that "People with hypermobile joints actually have very (very, very!) tight muscles."
Hypermobility, and 12 steps to Stronger Shoulders - Here, Katy Bowman looks at things you can do right now to improve your proprioception, plank position, hanging position, and other hypermobile woes.
So You Think You Might have EDS, which depicts the various symptoms of the different types/classes of EDS, and is extremely detailed.
Living Bendy: Life with Ehlers Danlos Syndrome, which is a very realistic, honest blog about some of the immense frustrations and challenges of EDS.


Factory unlocked iphone on ATT?
Discussion in 'Jailbreaks and iOS Hacks' started by nikosb, Feb 24, 2011.
1) Can I use my iPhone with a prepaid ATT plan such as the Simple Rate Plan? I've read that people go through tricks like buying a cheap prepaid phone and then swapping the SIM into the iphone or other less straightforward processes. Could I go into a ATT store, get a SIM card, activate it and it will work (like I did it with T-Mobile) or is it more complicated than that?
2) In case I can use my iPhone with a prepaid ATT SIM card I would like to have 3G data access too. On the ATT website it says that I can add a data plan to the Simple Rate Plan. Does that mean I can add a data plan such as Data Plus (200MB for $15) or is it limited to the (100MB for $20). Has anyone done it?
Why on Earth would you purchase a factory unlocked iphone just to use it on AT&T? It would have been much cheaper just to buy it in the US. You can still use it with a GoPhone SIM and you can purchase a data package to use 3G as well.
I do this with my iphone 4 and I can tether, facetime, etc.
You should have asked "where on earth" not "Why on Earth" I don't live in the US so I bought an iPhone 3GS in my country last year. I will be coming to the US for work and that's why I was asking about my options with a factory unlocked iPhone.
So which data package could I add with a GoPhone SIM? Can I add the Data Plus (200MB for $15)? Is that the one you have?
You can go to the AT&T store, but don't tell them it's for your iphone; some employees get a little hinky about it, while some are cool. Just tell them you want to buy a pre-paid SIM and how much you want on it.
100mb for $20 data plan.


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Q&A: Sid Meier chronicles Civilization
Firaxis cofounder and legendary game designer reminisces about the evolution of the storied PC series--and whether it will come to portables and next-gen consoles.
By Tor Thorsen on December 4, 2006 at 10:07AM PST
In 1990, a little company called Microprose released a game called Civilization for the PC. The results were anything but small. With its combination of turn-based strategy, city-building simulation, and historical data, the game was an instant hit. It was also the beginning of a best-selling series, begetting (in chronological order): Civilization II (1996), Civilization II: Test of Time (1999), Civilization III (2001), Civilization III: Play the World (2002), Civilization III: Conquests (2003), Civilization IV (2005), and Civilization IV: Warlords (2006). (The series also inspired SNES and original PlayStation ports, mobile and N-Gage versions, as well as editions for the Amiga and Macintosh.)
Sid Meier.
With the exception of the semisequel Civilization: Call to Power (1999) and some ports, all Civilization titles have been developed under the direction of the series' creator, Sid Meier. The legendary designer--who was inducted into the Academy of Interactive Arts and Sciences' Hall of Fame in 1999--has stayed with the Civilization series as it bounced from publisher to publisher (except Activision, which published Call to Power). After being self-published at Microprose, the studio Meier cofounded, the series moved to Atari in 2001 and then 2K Games in 2004. 2K's parent company, Take-Two Interactive, was so pleased with the success of Civ IV that it bought Firaxis, the developer Meier cofounded with Jeff Briggs in 1996, this past July.
So how is the one-time independent Meier adjusting to being subsumed by of one of the world's biggest publishers? With the recent release of the retrospective boxed set Civilization Chronicles, which compiled all Meier-sanctioned editions of Civilization into a single package, still fresh in the gaming public's memory, GameSpot caught up with Meier to take a look back at Civilization's past--and its future.
GameSpot: Has it really been 16 years since the first Civilization came out? Feels like just yesterday I was hogging my parents' computer playing it in 18-hour shifts...
Sid Meier: Yes, we released the original Civilization in 1990 while I was still with Microprose. It is amazing that all these years later people are still playing Civ. It's a true testament to how time flies when you're having fun.
GS: Who came up with the idea of rereleasing all the Civilization games in a single package?
SM: The folks at 2K came up with the idea for Civilization Chronicles, and of course we were thrilled to help make it happen. I must say it's a pretty cool feeling to see all of those games in one box.
GS: Do you worry that the older Civs won't stand up to the newer versions of the game?
"All those games in one box."
SM: I think each version of Civ offers something fun and unique to the players. The older versions certainly don't have the visual "wow" factor of the more recent games, but in terms of fun gameplay, they truly hold their own.
GS: In your opinion, what is the single most compelling feature of the boxed set?
SM: Besides the presentation and the game content, I'd say the card game that Soren Johnson designed exclusively for this collection is pretty cool. He's a very talented designer and he created a really fun tabletop card game based on Civ. I also think the Chronicles of Civilization book is a great retrospective on the series as told by some of the folks who helped create the games over the years.
GS: The series has undergone some major changes in the past decade--what do you think has been the most important evolution in the series?
SM: Civ IV really took the game to a new level with 3D graphics and multiplayer options that were built in to the game from day one. We created the Civ IV engine from scratch, which made it easier to design it as both a great multiplayer and single-player game. Other things we've done throughout the series that have kept the game strong are to avoid putting too much in each new version; we would remove what didn't work in the last version and add new features. We've stayed true to the nature of Civ by keeping it a turn-based game.
GS: What's the next step for the Civ series? When can we expect Civ V?
SM: Well, we just released Warlords, the first expansion pack for Civ IV, and fans have been pretty happy with it. Our view has always been that if fans of the game want more Civ, then we'll give them more Civ. Civ fans are very vocal and we like to listen--as long as they keep asking for more, we'll deliver.
GS: Recently, EA announced that Command & Conquer 3 is coming to the Xbox 360. Can you see a Civilization game coming to next-gen consoles, given their processing power?
SM: Yes. I think the latest consoles have the processing power to deliver fun experiences with the bigger strategy games. It's definitely something we've been keeping our eyes on, and we'll let you know where we'll go from here.
GS: Age of Empires was successfully ported to the DS, but so far the only portables that Civilization series has touched are mobile phones and the ill-fated N-Gage. Could we see a DS Civilization some time in the future?
SM: Our goal is to deliver Civilization on any game platform that makes sense. If we can deliver a fun experience to the players on the DS, then we'll do it. We're still in the exploratory mode on all of this, but will definitely let you know our plans as soon as they're set. I believe the N-Gage version was a licensing deal that Atari made using the Civ II version. Firaxis wasn't part of the development process, so it was ill-fated from the beginning.
GS: 2K Games recently announced Pirates! for the PSP--how's that coming along?
SM: We've been working with Full Fat to develop the game for the PSP, and it's looking to be a really fun game. The overall gameplay is like that of Pirates! PC and Xbox, but we've added some features that take advantage of the PSP platform like wireless multiplayer, larger maps, treasure hunting, and a custom-designed user interface.
GS: It's been just over a year since Take-Two Interactive bought Firaxis--how has the transition from independent shop to internal studio been?
SM: The transition has been pretty seamless for us. 2K has a lot of confidence in what we do, so they're very supportive of our ideas and processes. There are the typical kinks in learning to become part of a big company, but we're working through those day by day. Our studio has grown from 60 to 85 people in the past year, so there are lots of new faces and loads of great talent in the house.
GS: Besides money, what's the biggest advantage of being an internal studio?
SM: Well, the obvious advantage of being owned by a publisher is that it eliminates the need to go out and negotiate a deal with a new publisher each time your contract runs out, which is a long and arduous process.
GS: And the biggest disadvantage?
SM: The disadvantage is that you do give up some control in the overall business management of the studio. But if you take the time to build strong relationships with decision makers in the parent company, then you become part of the team of people making business decisions, and that will ultimately lead to good things.
GS: In October, Civ III was made available on Valve's Steam Network--how has that been? Are you a fan of digital distribution?
SM: I think digital distribution makes a lot of sense for games. From what I've heard, we're selling a bunch of them that way. It gives gamers more ways to buy games, and that's good for all of us.
GS: What about episodic content? It seems to have worked well for the Elder Scrolls IV: Oblivion. Might we expect Civilization campaigns to eventually be sold a la carte online?
SM: It's definitely something we've been talking about. We like the idea. Actually, we have lots of ideas we want to act on. Now, it's just a matter of timing and human resources in figuring out how to make it all happen.
Civilization II: Test of Time
Sid Meier's Civilization II
Sid Meier's Civilization III
Sid Meier's Civilization
Civilization (2005)
Sid Meier's Civilization Chronicles


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Hugo Johannes van der Steenhoven (Dordrecht, 11 oktober 1953) is een Nederlands GroenLinks-politicus.

Van der Steenhoven was afkomstig uit de Pacifistisch Socialistische Partij waarvan hij sinds 1975 lid was. Hij heeft in de partijraad en het partijbestuur van deze partij gezeten. Tussen 1983 en 1986 werkte hij als jeugdwerker. Hij was actief in allerlei sociale bewegingen. Zo was hij lid van het bestuur van de stichting Jongerenhuisvesting, de Stichting antiracisme Utrecht en het radicaal fonds Zwart Zaad. Vervolgens als opbouwwerker tot 1994. In 1990 werd hij lid van de Utrechtse gemeenteraad voor GroenLinks. In 1994 werd hij wethouder voor milieu en verkeer en vervoer

Tussen 1998 en 2002 was hij lid van de Tweede Kamer voor GroenLinks. Hij was woordvoerder op het gebied van verkeer, waterstaat en ruimtelijke ordening. Hij was woordvoerder over de vuurwerkramp in Enschede.

In 2003 werd hij hoofd Beleid bij de Fietsersbond. In 2006 werd hij hier directeur. Omdat hij deze functie wilde houden weigerde hij in 2006 Marijke Vos op te volgen, toen zij de Tweede Kamer verliet om wethouder van Amsterdam te worden. In 2015 werd hij als directeur opgevolgd door Saskia Kluit.

Gemeenteraadslid van Utrecht
GroenLinks-politicus
PSP-politicus
Tweede Kamerlid
Wethouder van Utrecht


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April is here! Spring is here! It's the perfect time to tackle some home maintenance chores that will help keep your home repair costs down.
1. Clean and inspect insect and critter screens. Spring is officially here even if winter is still trying to hang on. Window screens should be inspected for cuts, rips and bent frames. The bugs will be trying to get in once you open up the windows for fresh air. An intact screen will keep them out. To clean window screens; carefully remove and lay them flat on a picnic table or a pair of sawhorses and scrub them with a soft bristle brush and a mild detergent solution. Rinse with a garden hose and allow them to dry thoroughly before re-installing them. Roof and eave vents help to ventilate your attic and will keep critters out of the attic. Inspect and clean them as well.
2. Inspect the outside of your home and other wooden structures for deterioration - especially signs of rot. Use a screwdriver to probe suspect areas of wood rot. If the tip exposes any soft, mushy areas, it should be added to your maintenance and repair list and tackled very quickly to prevent more costly repairs in the future. Areas to check include: railings, window sills and trim , wood siding and corner trim, and the bottoms of the trim around doors as well as the threshold. For the higher areas, like the top of the chimney, you may prefer to hire an insured professional like Mr. Handyman.
3. Inspect the crawl space or basement after rains to look for water accumulation or excessive moisture. Also look for signs of water damage on the subfloor and joists beneath bathrooms, the kitchen, and the laundry. Find and fix leaks right away or pay the price later.
4. Shut off the water to the washing machine, remove the water supply hoses and examine them thoroughly. Laundry room floods can be very costly. Replace cracked hoses and always install a new washer on each end of each hose. Inspect and clean your dryer vent ducting annually. A plugged dryer vent is the #2 cause of home fires in the U.S. Keeping the dryer vent system clean will also allow your dryer to operate more efficiently and can save you up to $80 per year.
5. While performing the inspection for wood rot or deterioration, check the caulking around windows and doors and apply where necessary.
Make your list and give Mr. Handyman a call to take care of the tasks that you can't get to and you'll come out ahead by avoiding costly repairs in the future.


From the beginning of time the church has faced persecution, and it continues today. The church in America faces persecution and is very quick to point it out. Someone from half way across the country sues a small town for having a nativity scene on the courthouse lawn at Christmas. A principle threatens to not let a valedictorian attend her graduation if she does not remove references God and Jesus from her graduation speech. A homeowners association threatens a couple with a $250 a day fine if they don't stop having Friday Night Bible study in their home. Hollywood constantly presents people of Christian faith in a negative light. And the list goes on.
But this past Sunday, as you sat in your centrally cool seat at church, where you constantly looking over your shoulder waiting for men to come in with clubs and start beating you or the pastor. Were you in fear that someone from the government would be waiting outside the doors to arrest one of your family members and take them away never to be seen again. Were you hoping that you would not return to home to find it and everything you owned burned to the ground or that while walking home you and your family would be attacked by men with machetes set on ending your life. No, like most American Christians you were probably thinking about where you were going for lunch, trying to remember if your favorite football team played the early game or the late game, or considering if you need to do laundry or a mow the lawn or could put it off until later in the week.
Today Pray and thank God that you live in a country where you are freely worship Him how you choose. That you can read this prayer break in public and not worry about life threatening consequences. Thank God for the men and women who serve in our military and protect our freedoms. And pray for the persecuted people in churches in places like Africa, Asia and the Middle East.


Remember when you were young and you heard about ways that you could positively impact the planet simply by taking a few energy-conservation steps every day?
No matter what age you were when you heard these messages, there's a good chance that you were advised to turn off the lights when you left the room, turn off running water when it wasn't in use, fill up the washing machine all the way, and keep on the lookout for drafty windows.
Younger readers were probably also told to make the switch from incandescent light bulbs to much more energy-efficient LED lighting.
The lifespan of an LED bulb is an incredible 80,000 hours, and LED bulbs use three-fourths less energy than their incandescent counterparts. The underlying reasons that LED bulbs outperform the competition, though, has everything to do with renewable energy.
Time and money are two resources that most people would consider finite—unless you're a physicist or Warren Buffett. For the rest of us, however, these things need to be conserved, or else you're left with regret and not enough of either. That's no good.
It used to be that the energy powering growth around the world—especially in transportation and commerce—was considered finite as well.
That's certainly true for non-renewable energy sources like coal, oil, and natural gas, which underlines the importance of scouring for renewable, alternative sources of energy before those precious last drops run out.
As it happens, this all relates to the lightbulb. The reason that you were told early on to conserve energy and perhaps switch to LED bulbs was that, number one, they are more energy efficient but, number two, they're also part of a new wave of alternative energy sources that include wind, solar, biomass, and tidal energy.
It's a profound shift from business as usual, and that LED lightbulb is, in fact, increasingly being powered by solar-powered electrical plants utilizing concentrated solar power units. Let's face it: The world is always going to need energy, and the world is always going to crave growth.
SuperGreen Solutions is leading the charge in commercial and residential energy-efficiency solutions. The aim? To get in on the ground floor of this seismic shift vis-a-vis the ways businesses and everyday people use energy.
As part of the United Franchise Group and holder of best-in-class honors according to Entrepreneur's ranking of energy-efficiency franchises, SuperGreen Solutions is all about making a real difference in peoples' lives…and the life of the planet. SuperGreen Solutions is ranked #143 according to Entrepreneur's Franchise 500 ranking.
SuperGreen Solutions offers investors a proven B2B business model with multiple, in-demand revenue streams designed for the 21st century. Heating and cooling, solar panels, LED lighting, residential water filtration systems, and truly cutting-edge electric vehicle (EV) charging stations are all part of the energy efficiency franchise picture.
Customers are clamoring for more intelligent, energy-efficient solutions to bring down their utility bills, and businesses feel even more pressure to lower their expenditures and increase their profit margins.
Fortunately, this is all coinciding with a literally record-setting pace in terms of global investment in renewable energy. Data from the United Nations Environment Program tells us that global investments in renewable energy totaled nearly $300 billion in 2015—easily overtaking the previous record-shattering investment number from 2011.
In addition to financing of up to 70%, SuperGreen Solutions offers training and support, and the benefit of two weeks of onsite training so you can pioneer your own energy-efficiency franchise and help save the planet! Ready to learn more? Then visit our website today!
What Do Energy-Saving Solutions Franchises Actually Sell?


Bring your fairytale to life in one of our beautiful events spaces. Catering for both ceremonies and receptions, we're able to accommodate wedding parties from grand to intimate.
For a wedding with a wow factor, our largest suite the Amber combines exclusivity with glamour.
Catering for up to 400 guests, this bright, airy suite opens directly on to our spectacular gardens through its floor-to-ceiling french windows. While guests sip Champagne and enjoy canapés, the bridal party can take advantage of the stunning photography opportunities in our 300-acre grounds. Whether you're after the perfect white wedding or something with a twist, our dedicated team can transform this blank canvas space into anything you've been dreaming of.
Flooded with natural light, our stunning Cedar Suite brings the outside in with its clever design concept.
Floor-to-ceiling windows provide a stunning backdrop over our gardens and your wedding guests can step out on to a private terrace for an outdoor drinks reception. With space for up to 130 guests, this unique space is an excellent option for small to medium-sized weddings.
Bring a touch of 18th Century romance to your big day with a wedding in The Grove's historic Mansion.
Offering sweeping views over Charlotte's Vale and access to perfectly manicured formal gardens, this space can accommodate up to 36 guests for a truly intimate celebration.
For an impressive evening party, our Potting Shed can accommodate up to 112 guests.
Situated in our stunning Victorian Walled Garden, this unique space can be enhanced with a marquee for those who want some extra space.
Celebrate in style in our contemporary Ivory rooms. With a private entrance and terrace, the space is perfect for medium-sized events and parties.
Boasting natural daylight and direct access to our formal gardens, these unique function rooms can be broken down into five sections to accommodate smaller parties.


text:
Q: Does WebSocket's ClientEndpoint receive data in the same order it was sent by the ServerEndpoint? I'm using RemoteEndpoint.Async's sendText() method in a loop to send some data to the ClientEndPoint. As the data is sent asynchronously from the ServerEndpoint, will it be received by the ClientEndpoint in the same order as it was sent ?

A: Not necessary. There are always channel threads transmitting data to the clients on websocket on a single connection. Data can come in any order.Although attempt to deliver the data will be ASAP but race conditions may occurr.

redpajama_set_name: RedPajamaStackExchange


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