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Smart Investing Access to Multi-Million-Dollar FDIC Insurance
ICS® and CDARS®
The Insured Cash Sweep®, or ICS, and CDARS services are smart, secure, and convenient ways to access multi-million-dollar FDIC protection on large deposits, earn a return, and enjoy flexibility.
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Placement of funds through the CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement ("DPA"). Limits apply. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount ("SMDIA"), a depositor's balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before CDARS settlement for a deposit or after CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of CDARS satisfies those restrictions.
CDARS is a registered service mark of Promontory Interfinancial Network, LLC.
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ICS®, the Insured Cash Sweep® service, is a smart, convenient way for bank customers to access multi-million-dollar FDIC protection on large deposits, earn a return, and enjoy flexibility.
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Save time. Work directly with just our bank—a bank you know and trust. Forego opening accounts under different insurable capacities or managing multiple bank relationships. Receive just one monthly statement from us summarizing your account activity and balances. And, if you are accustomed to collateralization, reduce the need to track collateral on an ongoing basis.
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Placement of funds through the ICS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement ("DPA"). Limits and customer eligibility criteria apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount ("SMDIA"), a depositor's balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS settlement for a deposit or after ICS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS satisfies those restrictions. ICS; Insured Cash Sweep; and Bank Safe, Bank Smart are registered service marks of Promontory Interfinancial Network, LLC.
Rest assured.
Make even large deposits eligible for protection that's backed by the full faith and credit of the federal government.
Save time.
Work directly with just our bank—a bank you know and trust. Forego opening accounts under different insurable capacities or managing multiple bank relationships. Receive just one monthly statement per service from us summarizing your account activity and balances. And, if you are accustomed to collateralization, eliminate the need to track collateral on an ongoing basis.
Support your community.
Feel good knowing that the full amount of your funds placed through ICS and/or CDARS can stay local to support lending opportunities that build a stronger community.1
Earn interest.
Put excess cash balances to work by placing funds into demand deposit accounts using the ICS demand option, money market deposit accounts using the ICS savings option, or interest-bearing certificates of deposit (CDs) using CDARS. Earn one interest rate for each ICS option, and one rate for each CD maturity with CDARS.
Access funds.
Make unlimited withdrawals using the ICS demand option or up to six program withdrawals per month using the ICS savings option. With CDARS, select from a range of maturities (4 weeks, 13 weeks, 26 weeks, 52 weeks, 2 years, 3 years, and 5 years).
[1] When deposited funds are exchanged on a dollar-for-dollar basis with other banks in the ICS or CDARS Network, the relationship institution can use the full amount of a deposit placed through ICS or CDARS for local lending, satisfying some depositors' local investment goals or mandates. Alternatively, with a depositors' consent, and if authorized under state law, a bank may choose to receive fee income instead of deposits from the banks. Under these circumstances, deposited funds would not be available for local lending.
Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement ("DPA"). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount ("SMDIA"), a depositor's balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, and CDARS are registered service marks of Promontory Interfinancial Network, LLC.
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Attracting top talent to an organization has historically been an appeal based endeavor carried out by recruiters posting jobs and praying that the right candidates miraculously found their open requisitions. With the rise of social, recruiters are finding themselves subject to the same new realities that consumer marketers face; the war for attention. This war is being won by the companies who live at the corner of relevance and authenticity. From this intersection, a new metric with a familiar name has been born, ROI: Relationships On Investment.
In this session, I'll share the journey of bringing one of the top global pharmaceutical companies to the front lines of talent attraction through social media.


I am pretty new to using Survey123 and I'm trying to set up a few hidden fields in my Survey 123 form but it keeps coming back with errors which I can't seem to fix. I am using Survey 123 Connect on my desktop to edit the spreadsheet.
1. Pulling data from a geopoint field to create hidden lat and long fields.
The same error occurs for Longitude where I've used x instead of y.
2. Creating a group which just contains blank hidden fields that I can then edit at the back end of things once the survey has been submitted. I left the bind::esri@FieldType column blank as I read that the default was text which is what I want.
I've attached my XLS sheet so that you can see exactly what I've done. Hopefully someone will be able to help.
As you stated, it appears that there are errors being caused by having only hidden questions within a group. I was able to reproduce the issue, and I will make note of the behavior in our internal backlog. In the meantime, can you please try to remove the 'begin group' and end group' from around the hidden questions and try to publish again?
Thanks for your help, removing it from the group seems to be working.


When you connect an account to Outlook, you'll enter your email address and password so that Outlook can retrieve and send your emails. If you change your email password, you'll need to change the password in Outlook so that it can access your account. You can also protect your Outlook data file with a password, which you can change as long as you know the original. Finally, your Outlook.com password can be changed by changing your Microsoft Account password.
Click the "File" tab and select "Info." This will display the "Account Information" screen.
If you're using Outlook 2003, click the Tools menu and select "E-mail Accounts."
Click the "Account Settings" button and select "Account Settings." This will open a new window with all of your connected accounts.
If you're using Outlook 2003, select "View or change existing email accounts."
Select the account you want to change the password for. Note that you'll be changing the password that Outlook uses to access the account, not that account's actual password. If you need to change the password that protects your email account, you'll need to do that through your email service. For example, to change your Gmail password visit the Google Account Recovery website first, then change the password in Outlook.
If you want to change the password used to protect your Outlook data file, see the next section.
Click the "Change" button. This will open the details of the account you selected.
Type the correct password into the "Password" field. You'll find this in the "Logon Information" section.
Remember, this does not change your actual email password. This only changes the password that Outlook tries when it accesses your account.
Click "Next" to save your settings and test the password. Outlook will test the account and attempt to login with the password you provided. If everything is successful, you'll get a "Congratulations!" message.
Click the "File" tab and select "Info." This will open the "Account Information" view.
Outlook allows you to set a password for your Outlook data file (PST). When a password is set for this file, the user will be prompted for it whenever Outlook is opened for that account. In order to change this password, you'll need to the original Outlook password to even open Outlook. It is not possible to retrieve this password or change it without the original.
Click "Account Settings" then select "Account Settings." This will open the Account Settings window.
Click the "Data File" tab. This will display information on your Outlook data files.
Select "Outlook Data File" and click "Settings." This will open a new window with the data file settings.
Click the "Change Password" button. This button will not be available if you are using an Exchange account. Your Exchange network password will be used to protect your data.
Enter your old password and create a new one. You'll need to enter the original password, and then enter the new password twice. It is not possible to change the password without knowing the original.
Visit the Microsoft Account password reset page. Your @outlook.com (or @hotmail.com, or @live.com) email address is your Microsoft Account. Changing your password for your @outlook.com email address will change the password for all Microsoft products that you use that email for, including Windows, Skype, and Xbox Live.
You can start the password reset process at account.live.com/password/reset.
Select "I forgot my password" and click "Next." This will start the reset process.
Enter your Microsoft Account and complete the captcha. The Microsoft Account is the @outlook.com address that you want to change the password for.
Select how you want to receive your reset code. There are several ways that you can receive your code, depending on what recovery methods are associated with your account. If you have a backup email account, you can have the code sent to it. If your have a phone number associated with the account, you have the code sent via SMS. If you have the Microsoft Account app installed on your mobile device, you can use it to generate a code.
If you don't have access to any of these things, select "I don't have any of these." You'll be asked to fill out a short questionnaire to verify your identity.
Enter the code that you receive. This will take you to the Password Reset page.
Enter your new password. You'll be asked to enter it twice to proceed. This new password will take effect immediately, and you will be signed out of any devices that are currently logged in with the old password.
How can I change my password if, when I select my name on the home screen of Microsoft Outlook 2010, my emails load without having to sign in using a password?
You may have clicked on something called "Save My Password", which will appear on the top right corner if you were on Google Chrome and using gGoogle as your search engine.
How do I set up a new Microsoft account?
Go to Outlook.com and click "Sign In." Below the space where you'd type your e-mail address, you'll see a link that says, "No account? Create one!" Click that and follow the steps to create a new account.
I can't remember the network password for my 2007 Windows Outlook. I can't send any emails from Outlook without filling that information in. What can I do to access it?
You can try contacting Microsoft customer support and see if they can help you recover your password. You probably won't be able to use it otherwise.
I cannot open my outlook to see my email as I forgot my password, what can I do?
You can make a new email or choose the "forgot password" link and try to make a new password that way.
How do I change my password on my iPad?
Go into Settings and click on Passcode. When asked for your Passcode, type it in. if you don't know your passcode go to a Apple. After you have typed in the correct passcode, you will see 'Change Passcode' in blue writing. Click on that and follow instructions.
What do I do to protect my Outlook account from a hack?
Set up a strong password: mix of upper- and lowercase letters, numbers, and special characters. Even better - use a passphrase 2-step authentication. This way Outlook will send you a one-time code you need to enter along side your password every time you try to log in. Unless you have your phone or other device with you, hackers can't access your email even if they know the password. Set it to change the password every 72 days.
How do I change my Outlook password if I don't remember my current one?
How can I make sure that my Microsoft Outlook password will not be the same password that I use to log into Windows 10?
When I get to "enter your security code" nothing happens, and it gets stuck in any browser I try. How do I get past this?
How do I change my password on outlook.com?
Following a hacking scam, I've changed my hotmail.com password, but now (using outlook.com) have no contacts; how can I recover them?
Thanks to all authors for creating a page that has been read 704,977 times.


I'm up in the flight levels today, but not at the controls of an aircraft. Instead, along with approximately 261,000 Australian air travellers, I'm a passenger.
I won't lie; I find that a little unsettling, as I suspect most pilot-passengers do. I suspect pilots don't make good passengers for the same reason doctors don't make good patients—it's something to do with control issues (no pun intended). At least the doctor/patient can eyeball their doctor-on-the-day and speak up if things go wrong. The passenger/pilot is at least several rows back and locked out by a hijacker-proof door.
All I can do as a passenger is put my calm-face on (my daughters are watching) and look out the window … or down at my watch. Handily, it's got an in-built compass and barometer which means I can work out if we're heading in the right direction and whether the cabin is pressurising properly. Sad I know. Especially because deep down I know the score: if you as the pilot make a serious mistake behind that locked door there's not a thing I and my watch can do about it.
So I'm imagining some accident-causing scenarios as I contemplate my de-piloted status. Engine fire? Tick. Oxygen bottle exploding mid-flight? Tick. Mid-air collision? Yep, tick that one as well. But the scenarios I'm thinking of the most are from the same species of accident—a species that's caused 80 per cent of air transport fatalities. Here I sit 23 rows back, de-piloted, staring back and forth at my barometer-watch and out my dodgy little window with three graphic accident reports stewing in my head.
Like I said, sad really.
My mind wanders until I'm in the jump seat, not on this flight but on three fateful flights, smooth and dull as this one until the critical moments. And you, reader, are in the command seat. Conscious of the importance of keeping a sterile cockpit, I'm only allowed two words, but they should be all I need.
Wait a minute … air traffic control is warning of a thunderstorm at the airport with visibility currently at 4000 metres in heavy rain. I look forward anxiously but you guys seem to be all over it. You discuss the storm and the option to go around during final approach. You also decide to change the autobrake setting from '2' to '3'. You look out the window at the storm. I can tell you've seen this before. It's pretty common for Bangkok at this time of year. You, as the captain, suggest to the flying pilot it's time to reduce speed. By 3000 feet the airspeed is down to 200 knots and the autopilot has nailed the glide-slope beautifully. A short time later the landing gear is down and we're at 2200 feet and 182 knots. You de-select the autopilot and auto-throttle and, as the brassy riff of the disconnect alarm sounds, select flaps to 20 degrees. Visibility is still good but the thunderstorm is now really close. It's reassuring then to hear the tower's radio call about a preceding aircraft that's just landed.
'Runway wet … braking action reported by Airbus 33 as good'.
At 770 ft and 166 knots I hear the first officer comment, 'The aircraft doesn't want to slow down'.
You, as the captain, acknowledge and I'm reassured by your bedside manner. You don't seem too concerned. At 200 feet and 164 knots we enter heavy rain—really heavy rain. It's so loud it can be heard over the slipstream and the engine noise. The windscreen wipers are doing their best but it's like the air has suddenly rebelled at being a gas and transmuted into great curtains of water.
'You're getting high now … you happy?' you say.
'Ah … yes,' the first officer replies.
I can tell he's not happy. I wonder if I might need my two words after all.
'Get it down, get it down, come on you're starting your flare,' says the captain.
We seem to be ballooning down the runway and we are at 169 knots (20 knots above target speed) and 30 feet above the ideal threshold height. It's time to use my words.
That's it. My two words. Simple really. I know you're super-busy now and I won't say it again but I, my wife and my three daughters would really appreciate it if you went around. You see out of all the approach and landing accidents I've studied, nearly every single one would have been prevented by a simple go-around.
That's the captain. Good call I think to myself. The FO advances the thrust levers just as the 747 touches down. The visibility increases and we can see the end of the runway. But then there's a distinct clunk as the thrust levers hit the idle stop. On seeing the improved visibility the captain has evidently decided to abort the go around … But he hasn't announced it and he's unintentionally missed the number one engine lever.
We're now halfway down the 3.7 km runway and we are still at 153 knots. Worse, because the number one engine is above idle-speed, the autobrakes have disengaged. Even when the FO pulls back the number one engine and even with vigorous manual braking it's too late: we're off the end of the runway at 96 knots and through a part of the ILS antenna structure. Boggy soil helps slow us down and we eventually come to rest with our nose on the perimeter road. I look around. My family and I, as well as nearly 400 passengers, are all OK. We're thankful but we wonder where it all went wrong.
On our second flight of imagination we're going to have even more to wonder about. You're the non-flying first officer of a Boeing 737–300 and once again you've got that annoying bloke (me) with his wife and three daughters, for good measure, behind you. I'm not saying much this time. I don't want to pressure you. We departed two hours behind schedule for Burbank, California and I can tell you're busy. I'm pretty sure, though, you're happy in the knowledge I've got my two power words ready to go.
That's the captain. I get a little more anxious but at least the speed is coming back. It's now at 190 knots.
It's the ground proximity alert. Even as a passenger I can see we're fast, high and descending rapidly—with a 20-knot tail wind and that ain't a good thing. Surely we'll obey the electronic plea to pull up?
'Flaps 40', says the captain.
But it's not alright. We cross the threshold at 182 knots—way above the target speed. Time for my two imaginary power words because evidently you, as the FO, and non-flying pilot are gonna let this happen.
It's our third flight and by now you can probably see a pattern—runway overruns. But this one will be different. There will be deaths. You are the non-flying pilot and the first officer. We've rolled out onto final at Adisucipto International Airport, Yogyakarta, Indonesia, and we're not even close to being 'in the slot.' We're 10 miles out, 1500 feet above the initial approach fix and doing 283 knots. Despite this, the captain calls for flaps. We're way above the flap limiting threshold. You, as the first officer, wisely disincline.
The ground proximity alert begins to sound. It repeats another 14 times during the approach. The co-pilot unassertively calls for a go around, but the captain either ignores it or is task saturated and doesn't hear it. We cross the threshold at 235 knots, 87 knots faster than the target speed. It's definitely time to use my two words but the co-pilot beats me to it.
We run off the end of the runway at 110 knots (200 kph) crossing a road and an embankment before ploughing to a stop in a rice paddy. The aircraft's back is broken, and leaking fuel quickly ignites into a conflagration which destroys the aircraft, killing 20 of the passengers. Even in my imagination I don't want to look around—those 20 may include some or all of my family.
Garuda Flight GA200 at Adisucipto Airport in 2007.
In all three overruns, albeit to different degrees, the dynamics of channelised attention, fixation and crew resource management (CRM) were found to be causal factors. There were others including, in the case of QF1, deficient operating procedures for wet runways, cramped air traffic control vectors at Burbank, and an incredibly steep cockpit gradient for the Garuda flight.
All these factors are well worth a more detailed reading at the links above but here's the really sobering thing: the knowledge of such things isn't new now and it wasn't that new for the accident crews. In the 1990s, thanks to ICAO-initiated approach and landing research (including research into controlled flight into terrain), it was discovered about 80 per cent of air transport fatalities occur during approach and landing. Out of this research came a variety of training programs to address the issue. But despite this, aircraft still slammed into the ground and/or overran runways.
If you do, I'd really like to eyeball you afterwards and say something to you.
Simple explanation really, human error, you cannot stop it you cannot control it, it's a part of flying & it's called risk! All the rubbish feel good crap that is CRM, human factors HR people you will never get on top of it. Fully serviceable planes & pilots will continue to fly into the ground, it's just what humans do, make mistakes!
Sure human error can never be eliminated but it can be controlled through education as young aviators start their careers and hopefully with attitude adjustment of the older ones who think 'it's a load of crap'. I hate to say it but with your attitude you are an accident waiting to happen. Why do you aviation is so safe now? Not just because of better engineering but because of the development of HF and CRM training. I only hope you are not in a position where attitude rubs off on other impressionable aviation professionals. I have witnessed first hand the damage attitudes such as yours can influence the culture of a workplace.
We have the term minimums or decision height as the visibility "Go Around" call decision time for mandatory action and follow through on a missed instrument approach …. this should also include strict laid down operating procedures by the Carriers Pilot Flight Operations Manual, for the mandatory "Go Around" call to also apply to proper V Ref Approach Control Speed, and on passing the MM, making it pending there… and if not Vref established +- 5kts by minimums DH time and IM transit time …. a Mandatory action "Go Around" Command Call is executed and followed through, regardless of any mitigating factor immediately presenting.
Human Error/ Pilot Error ….. yes …..that is its Subjective trait.
CRM is inherently Work Safe SAFETY Objective in nature … and its fixed Operating Procedures thus implemented designed to prevent this Human Error and make that call decision for you first!
Well done Adrian. A well written, well researched and informative post. I can certainly relate, as in late April I managed my first runway over-run at Cessnock, NSW after almost 12,000 hours of flying. Despite being a single pilot op, it was quite embarrassing (with hindsight) despite no damage. I actively thought about going around up until the point where it was too late, whereas with less experience I would have made the D earlier. The extra 5 minutes does no harm. Keep up the good work. Chris.
I'm a non heavy pilot with a lapsed medical, I average 6 international flights per year in cattle class. Adrian,s scenarios are over runs.
Well in cattle class I look about the cabin and think, mmm, full pax, and an up there take off weight.
I look at the wings and am reassured when I see leading edge slats extended and I guess about 10* flap.
So what can I do from there on, nothing at least the aircraft is on it's best chance to get into the air and on it's way.
I never fail to check the wings, what if I noticed that these high lift apparatuses were not extended, and started a commotion trying to get cabin crews attention, catch 22, 1. die in a take off failure, 2. get a blanked over my head and and escorted of the flight and never be allowed to fly again, 3 hopefully save by the Black boxes and be exonerated.


I recently had the pleasure of interviewing the very creative and talented Fine Art Photographer Joshua Tann. Joshua lives in Long Beach, California and finds inspiration for his photography through his many travels. Most of his photographs are influenced by his love of travel, art and architecture. Through his lens, Joshua has the ability to capture and convey his inspiration for his subjects and their relationship to their environment. As you browse through his photographs below, I think you'll agree that he's quite the accomplished photographer.
Joshua, thank you for taking the time to participate in this interview and best of luck to you with all your future creations. You are a very talented photographer and someone whose work is definitely worth following. Your work is truly inspiring and I hope to see more great things from you in the future.
If you'd like to learn more about Joshua, please visit his website. You can also follow him on Twitter, Facebook and Instagram.
I'd say that I am a visual and creative person with an interest of anything linear. I remember being a 12 y/o and drawing a building with a perspective. I was told by my teacher at that time that I may be an architect someday. I did go to college for architecture but a life circumstance and a major move led me to another field of Computer Science and yet another different one in the field of Psychology, where I ended up having a graduate degree and a career. However, my interest and passion of architecture has not diminished. I do have a day job as a therapist and I use my spare time to work on my art. In the end, I'd like to see myself an architecture and travel photographer because my architectural interest takes me to other locations in the world.
Home is Long Beach, California, about 25 miles south of Los Angeles.
I had Nikon film camera in high school but I lost it. Since I am a visual person in nature, I have always taken pictures in my life. So I took a substantial number of images when we were traveling to Italy in 2007 with a simple point-and-shoot Olympus camera. I didn't realize that these images gave me the start of my photography passion. I did not get a more serious camera until one day in 2010 when my spouse and I stumbled on a local Artwalk in a downtown area. I thought maybe I can start something. So I did it by creating greeting cards of historical buildings from that Italian trip in 2007 with a caption of the building's history behind the card. As you know Italy has a rich architectural history. We traveled further with new cameras and took more pictures. This grew to prints and framed prints, followed by opening a store in the same area in 2012 where we sold my photography, jewelry and home décor. We hosted local artists as well in our store. Sad to say that we had to close our store in 2016 but I continued with my own endeavor by traveling and participating in group exhibits in local and international galleries as well as international photography competitions.
My favorite part is to travel to a destination that I know will provide me with rich visual images. For me, there is nothing more exciting than seeing a historical majestic structure and trying to capture it in different ways.
Possibly because I am mostly self-taught. I took an intensive course at the New York Institute of Photography a while back but like other things, I still need to better myself by taking courses and getting information anywhere I can get. In regards to traveling, carrying the gear can be challenging since they are heavy.
I think since my images are associated closely to travel, I am always excited to see new venues, landmark buildings, urban scenes and people in a new location.
Making arrangements for our international destinations.
To me, traveling is a major factor for my work so it has become my biggest motivation to date. Additionally, I look at architectural and photography books, magazines, blogs, and social media.
This may be the most personal thing I can share here. When we had a store, there was this sense of obligations to my patrons or store's clients to provide a continual stream of new images and products so I worked hard to create them. However, I had a sudden cardiac arrest in 2015. I was told that one of the paramedics even suggested to "call it" since I was unresponsive. So, I almost did not make it with 11 days in the hospital including 4 days in an induced coma. Only about 10% survived without cognitive damage and I am lucky enough to be in that 10%. The physical recovery took 3 months but as often happens to people who go through a near-death experience, you wonder about your purpose in life after the event. Was there a new purpose of life that I should find out? Did I need to finish something I have not finished? I say this because I have had a good and happy life and I achieved most of my life goals. The emotional recovery took longer, even after I realized that my new purpose in life was to continue my art, as it is the only aspect in my life that I still need to develop, nurture and love. Currently, I am doing so by being involved in photography communities, photography competitions, going to exhibits, events and seminars. And yes, it was also the reason why we closed our store in 2016.
My favorite image to date is "Mystery" which was taken in Venice in 2013. This image was taken without a plan since it was taken on our way to Piazza San Marco. The image has been acknowledged by 7 international photography organizations and exhibited in 4 venues including the International Art Fair at the Carrousel du Louvre in Paris.
I always have been a Nikon guy. I currently use the full frame Nikon D800. I had the APSC Nikon D90 when I started my photographic journey. Favorite lens is my Nikkor 28-300mm since this is a versatile one while exploring the city even though it is quite heavy.
My iMac 27" 5K for post-production but I also found that my Pelican memory card case is quite helpful to store and organize my SanDisk memory cards.
I'd like to own lighter gear to haul around when I travel.
Absolutely. Photoshop is crucial in creating the nuances of each image that you cannot capture during the actual shot. Additionally, my creativity often flows during the process.
It was during our trip to Venice in 2013 when we had to wake up at 4am to capture the Piazza San Marco without thousands of tourists roaming around it. The piazza is iconic in itself and on the way to it I stumbled upon the mysterious scene of the Bridge of Sighs with its light illuminating the surrounding ancient walls and canal at around 4 am. I could not help but stopped and took several shots with a tripod. I called this image "Mystery" and has won several acknowledgments from seven international photography competitions and was the cover of Black Box Gallery's catalog of their Shadow and Light exhibit in 2015. I did go further and finally took the shots at San Marco where I found 10 other photographers angling themselves to get the best shots at dawn.
This happened when we were traveling in Italy. In our first day during the tour at the Roman Forum, I tripped over those thousands of years old cobblestones and in the split second I decided to let myself fall and my mouth hit an ancient ledge to save my inexpensive Olympus camera. Bleeding, my first thought was "I cannot miss this tour." So, I continued traveling for 2 weeks in pain. But the Italian wine helped! Needless to say, I broke my front bridge and it had to be replaced when we got back to the States.
I have been leaning towards black and white for a while so I want to learn more about creating stunning black and white images. I am also working on making a transition to fine art photography utilizing architectural images.
Josh is an amazing talent and an amazing person. He touches many more people than he realizes – with his photography and as a person. He sees things others don't see and brings those things to view. Thank you for sharing your work and yourself.


text:
Mantilly és un municipi francès situat al departament de l'Orne i a la regió de Normandia. L'any 2007 tenia 613 habitants.

Demografia

Població
El 2007 la població de fet de Mantilly era de 613 persones. Hi havia 264 famílies de les quals 88 eren unipersonals (40 homes vivint sols i 48 dones vivint soles), 100 parelles sense fills, 60 parelles amb fills i 16 famílies monoparentals amb fills.

La població ha evolucionat segons el següent gràfic:

Habitants censats

Habitatges
El 2007 hi havia 395 habitatges, 274 eren l'habitatge principal de la família, 90 eren segones residències i 30 estaven desocupats. 389 eren cases i 3 eren apartaments. Dels 274 habitatges principals, 194 estaven ocupats pels seus propietaris, 75 estaven llogats i ocupats pels llogaters i 5 estaven cedits a títol gratuït; 4 tenien una cambra, 30 en tenien dues, 55 en tenien tres, 93 en tenien quatre i 92 en tenien cinc o més. 176 habitatges disposaven pel capbaix d'una plaça de pàrquing. A 179 habitatges hi havia un automòbil i a 56 n'hi havia dos o més.

Piràmide de població
La piràmide de població per edats i sexe el 2009 era:

Economia
El 2007 la població en edat de treballar era de 306 persones, 223 eren actives i 83 eren inactives. De les 223 persones actives 203 estaven ocupades (116 homes i 87 dones) i 20 estaven aturades (9 homes i 11 dones). De les 83 persones inactives 35 estaven jubilades, 20 estaven estudiant i 28 estaven classificades com a «altres inactius».

Ingressos
El 2009 a Mantilly hi havia 259 unitats fiscals que integraven 547,5 persones, la mediana anual d'ingressos fiscals per persona era de 13.103 €.

Activitats econòmiques
Dels 25 establiments que hi havia el 2007, 1 era d'una empresa extractiva, 4 d'empreses alimentàries, 4 d'empreses de construcció, 6 d'empreses de comerç i reparació d'automòbils, 2 d'empreses d'hostatgeria i restauració, 1 d'una empresa d'informació i comunicació, 1 d'una empresa financera, 5 d'empreses de serveis i 1 d'una empresa classificada com a «altres activitats de serveis».

Dels 7 establiments de servei als particulars que hi havia el 2009, 1 era un taller de reparació d'automòbils i de material agrícola, 1 paleta, 1 fusteria, 1 lampisteria, 1 perruqueria i 2 restaurants.

Dels 4 establiments comercials que hi havia el 2009, 1 era una botiga de més de 120 m², 1 una botiga de menys de 120 m², 1 una fleca i 1 una botiga de material de revestiment de parets i terra.

L'any 2000 a Mantilly hi havia 93 explotacions agrícoles que ocupaven un total de 2.726 hectàrees.

Equipaments sanitaris i escolars
El 2009 hi havia una escola elemental.

Poblacions més properes
El següent diagrama mostra les poblacions més properes.

Referències

 Résumé statistique Fitxa resum de dades estadístiques de Mantilly a l'INSEE.
 Évolution et structure de la population Fitxa amb el detall de dades de Mantilly a l'INSEE
 France par commune Dades detallades de tots els municipis de França accessibles a partir del mapa.

Municipis de l'Orne

redpajama_set_name: RedPajamaWikipedia


You are driving and you go through a tunnel. When you come out the other side, you are transported to a strange realm where magic and spirits exist. Your car comes to a stop , what do you do?
87 deviants said I might as well go exploring, a new place to learn about!
16 deviants said I'll venture outside and look for help.
11 deviants said You got a better idea? If so, speak up man!
8 deviants said Go spirit hunting! I always wanted to try it!
7 deviants said Use my cell phone to call for help! Hope it works!
3 deviants said I'll just stay in the car until someody comes.
1 deviant said I sit there and cry to myself in a very ridiculous, exaggerated fashion.
Learning from what's her names experience I go back through the tunnel away from possibly angry spirits that don't want me there!
I'd go and explore, making sure my parents don't eat any food and turn into pigs.
I should take some pictures first, drive back, and go home. Then I would assamble an exporer kit, and call some friends. If they don't believe me, I show them the pictures. And then it's ADVENTURE TIME! And if, for some reason that place is gone (that sort of things tend to do that often), I at least have some pictures.
This would be the coolest thing ever. Till the first monster I run into kills my Dark Souls style.
I'd leap out of the car and take off as fast as I could to explore and learn the art of magic!
Look around from inside the car. Panic. get out of the car. Panic some more. and start pushing my car back though the tunnel while panicing and hyperventalating.
Stay in the car for a few minutes and look around.
I would go out of the car, run everywhere saying OMG OMG OMG, looking at everything, touching, smelling, exploring. I would believe it's a dream but I would be so happy and exhilarated. I would try follow every creature I see. In short, I would completely make a fool of myself.
I would wonder if I could stay into this word and not return to my boring life and then, I will remember all the stuff I left behind and return to the car... I'm not likely to survive in the wilderness anyway!
haha I'd probably be all over the place too!
XD haha and go burn the local villages.
And make bad puns too.
"Don't worry villagers. We'll get along like a house on fire."
Molt would probably go, "What are you doing? You're meant to be fighting for good!"
"I am. I'm doing a good job."
>:U what be your weapon?
I'd probably get out and look around. If I didn't see anything that looked overly dangerous, I'd continue.
haha what if it is one time only?
ride a dragon and die happy?
rofl Go get dem dragons.


text:
title:  Misjonsfortelling
date:  08/05/2020
---

#### Venn av Finlands venneløse

_Lauri Herranen (60), Finland_

Lauri Herranen sto ved en venns grav i Mikkeli i Finland. En blodpropp i hjertet hadde tatt veien til hjernen. «Det kunne ha vært meg,» tenkte Lauri. Var det dette han ville? Han husket det han hadde hørt om et evig, brennende helvete. Han hadde ingen kristne venner å snakke med, og det ble ikke bedre da han fikk diagnosen prostatakreft. Nå føltes døden nær.

Lauri tok mot til seg og snakket med en pastor, som ba for hans synder og fikk ham til å be om syndstilgivelse. Noe skjedde under den bønnen. Lauri la sine synder ved korsets fot, og hjertet ble fylt med glede. Han begynte å lese i Bibelen. Han oppdaget at Lukas-evangeliet kalte lørdag sabbat. Han leste hele Det nye testamentet tre ganger, uten å finne noe om at hviledagen var endret.

Omtrent da så han en avisnotis om en møteserie i Adventistkirken. Et år senere ble han døpt. Lauris kone likte det ikke og forlangte skilsmisse. Et par år senere ble Lauri gift med Päivi og flyttet til Lahti, der hun var fra.

Lauri ville fortelle om Jesus. Etter mye bønn fikk han tanken om å åpne et spiskammer i Lahti. «Finner flest er opptatt av materielle goder. De har ikke tid til Gud. Så hvordan nå dem? Spiskammeret er en måte.»

«I Finland er det vanskelig å snakke med andre om personlige ting, spesielt tro,» sa Lauri. Bare noen få kom til spiskammeret den første tiden. Men nå, etter fem år, kommer 40 hver mandag og onsdag. Spiskammeret har hjulpet hundrevis av mennesker, og minst én er døpt.

Spiskammeret har også appellert til passive adventister. Folk som ikke har vært i kirken på mange år, har meldt seg til tjeneste og de har etter hvert blitt en del av menighetslivet.

Lauri er 60 år og har god helse etter en vellykket kreftbehandling. Han frykter ikke døden lenger. «Nå er livet i Jesu hånd, og jeg venter på hans komme. Jeg er ikke redd døden.»

Se Lauri på YouTube: bit.ly/Lauri-Herranen.

redpajama_set_name: RedPajamaGithub


text:
Apathy, Dissent and Heresy (Power Relations)… Dictatorship of single-mindedness
Share Art Heresy and Dissent:
The Process, 2006-2010
Digital photography, ash, charcoal, clay and acrylic on canvas.
Series: "Self-Portrait, The Process" and "Instruments of the Process
Shown in the collective exhibition "Isla Interior", Museum of Rum (Habana Club Gallery), Havana. Organized by Excelencias Group; curated by art critic and editor David Mateo with the sponsorship of Banco Sabadell.
Shown as a whole at the Personal Exhibition "The Process", Galiano Art Gallery, Havana.
Inquisitio-Heresy (Single Thought and Heretical Discourse)
This series firstly proposes an exploration around the artistic creation process itself as a sphere of reflection, self-sacrifice and purification; a kind of exutorium; an exercise of personal exorcism in which the resulting works could may only be summarized as documentary remains or residues (detritus).
The works recreate, graphically, a selection of instruments of torture used by the Inquisition and different codes of traditional symbolic acquis to propose a reflection on fundamentalist dogmatism and intolerance from a discourse of penitence and the punitive power. The knife here (given its function to cut… to separate, mutilate, abridge) to refer the multiple scissions of the fragmentary subjectivism and ideological transvestism…
Under Pressure: "The rituals of Social Magic" (Bourdieu)
This series of works discusses on the danger of doubting, disagreeing and questioning on the margins of authoritarianism; speaks about apathy, dissent and heresy; fear, submission, Emptiness, renunciation and pressure; then, it speaks of punishment, torment and pain… silent, subtle but perceptible violence. It discourses, in short, on the rite of resignation.

redpajama_set_name: RedPajamaCommonCrawl


text:
Are you willing to invest in a more long-term and reliable organic traffic source for your website? Then let's look at a search engine that can assist you in increasing your traffic.
Interview an Influencer or Get Interviewed by a High-traffic Website
Have you heard of Tim Ferriss, the author of the Four-Hour Work Week?
His podcast is nowadays a staple content type that he provides to his viewers. Tim's show has world-class performers who share their insights on a variety of topics, and he is well-liked on social media. Do Tim's fans enjoy the show? So far, the show has received over 50 million downloads. On most days, it's the most popular business podcast on iTunes.
Interviews, whether on video or audio, are inherently conversational, lively, and engaging. The great aspect is that it's a win-win situation for both sides. The interviewer is exposed to a new audience, while the interviewee is able to provide his website visitors with new fascinating and authoritative information. You can ask an industry influencer to share your interview with their followers on social media if you interview them. Consider the organic traffic you'll get from their social media followers, which number in the hundreds of thousands. Consider the level of interest generated by a prior Derek Sivers interview on the Tim Ferriss Show. Derek shared the show's URL with his 283K followers on Twitter. It won't hurt if you establish a relationship with the influencer as a result of the interview.
Similarly, being interviewed by a high-ranking website can result in a significant increase in search engine traffic. Harsh Agrawal's blog, Shoutmeloud, received 35,000+ views in a single day after he was profiled by YourStory. That was the blog's most popular search engine traffic source (with 600,000+ monthly visitors). Because interviews provide consolidated value, they can be used as a long-term lead generating source for your company. Consider how many bloggers you've learned about through interviews on YouTube and other high-authority websites.
You may also conduct a Reddit AMA if you have a very compelling storey to tell. Mateen's AMA got about generating $85,000 in profit by selling TeeSpring shirts/hoodies received 2000 page views. He also boosted the number of visitors to his website on a daily basis.
By registering as a source with HARO, you can also answer queries from journalists. On HARO, Christopher from Snappa came across this question from Inc Magazine about the future of content marketing. He swiftly responded with a thorough response. He was mentioned in Inc a few weeks later as a result of this. HARO is an excellent strategy to have your brand mentioned on authoritative news sites such as Entrepreneur and Inc. Those backlinks will enhance your search engine traffic and increase your marketing strategy by improving your reputation in Google's eyes. Contact an SEO agency to find out how you can do this and how they can manage it for you while you work on the bottom line of your business.
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text:
Jan Turk Petrie – author
Until the Ice Cracks
No God for a Warrior
Within Each Other's Shadow
Too Many Heroes
Towards the Vanishing Point
The Truth in a Lie
Running Behind Time
Free Short Story Downloads
Jan Turk Petrie lives in the Cotswolds area of England (UK). She is the proud author of nine novels beginning with the future-world, fast paced thriller series The Eldísvík Trilogy. (Pintail Press)
Until The Ice Cracks – the first volume of Jan's gripping Nordic noir thrillers was published in July 2018. The story continues in Volume Two – No God for a Warrior – published in November 2018, and reaches its stunning conclusion in the third and final volume – Within Each Other's Shadow – published in April 2019
Jan has written two stand-alone thrillers set mainly in the 1950s. Too Many Heroes – which was published by Pintail Press in July 2019.Towards the Vanishing Point – was published by Pintail Press in January 2020
The Truth in a Lie – was a departure as Jan's first domestic drama novel, this time with a contemporary setting.
With the publication of Running Behind Time ,in March 2021, Jan changed genre again to write her first time-slip novel set in 2020/the early 1980s. Although intended as a standalone novel, it later became Book 1 in the Cotswolds Time-slip series.
In autumn 2021, 'Still Life with a Vengeance' a contemporary domestic drama was published.
Jan's latest novel – published May 2022 is Play For Time – the sequel to Running Behind Time – book 2 in the Cotswolds Time-slip Series.
A former English teacher with an MA in creative writing from the University of Gloucestershire, Jan has also written numerous, prize-winning short stories.
"Before becoming a writer, I was an English teacher in inner city London. For a time I worked in a specialist unit for teenagers excluded from mainstream school and later taught English as foreign language to overseas students of all ages.
Aside from writing, I'm a visual artist and maintain a studio in the Cotswold town of Painswick. I've exhibited in London and all over southern England. Most of my large, semi-abstract paintings are in private collections.
Until recently I lived on a smallholding with my husband. We kept a flock of rare breed sheep as well as hens, pigs and goats. I have a certificate in animal husbandry and have delivered lambs and bottle-fed them when it was necessary.
I like to challenge myself in my writing and always try to come up with something original. I enjoy writing thrillers with a difference.
My first published novels – the three volumes that make up The Eldísvík Trilogy – are Nordic noir thrillers set fifty years in the future. Readers may be surprised that 'Too Many Heroes' is, by contrast, a period romantic thriller set in the 1950s. My next book – due out in 2020 – begins in the 1930s and is a psychological thriller with literary leanings.
Some people might see this as inconsistent but I prefer to keep challenging myself – mix things up to keep my writing fresh. I'm a big fan of Margaret Atwood, Kate Atkinson, Philip Roth, Kurt Vonnegut and Jennifer Egan because they are not just great writers but they are/were prepared to take risks in their writing."
Find me on Twitter: @ TurkPetrie.
My author facebook page: Here
Jan Turk Petrie - author


This statement was originally published on eff.org on 26 January 2015.
We have a problem when it comes to stopping mass surveillance.
The entity that's conducting the most extreme and far-reaching surveillance against most of the world's communications - the National Security Agency - is bound by United States law.
That's good news for Americans. U.S. law and the Constitution protect American citizens and legal residents from warrantless surveillance. That means we have a very strong legal case to challenge mass surveillance conducted domestically or that sweeps in Americans' communications.
Similarly, the United States Congress is elected by American voters. That means Congressional representatives are beholden to the American people for their jobs, so public pressure from constituents can help influence future laws that might check some of the NSA's most egregious practices.
But what about everyone else? What about the 96% of the world's population who are citizens of other countries, living outside U.S. borders. They don't get a vote in Congress. And current American legal protections generally only protect citizens, legal residents, or those physically located within the United States. So what can EFF do to protect the billions of people outside the United States who are victims of the NSA's spying?
For years, we've been working on a strategy to end mass surveillance of digital communications of innocent people worldwide. Today we're laying out the plan, so you can understand how all the pieces fit together - that is, how U.S. advocacy and policy efforts connect to the international fight and vice versa. Decide for yourself where you can get involved to make the biggest difference.
This plan isn't for the next two weeks or three months. It's a multi-year battle that may need to be revised many times as we better understand the tools and authorities of entities engaged in mass surveillance and as more disclosures by whistleblowers help shine light on surveillance abuses.
If you'd like an overview of how U.S. surveillance law works, check out our addendum.
The National Security Agency is working to collect as much as possible about the digital lives of people worldwide. As the Washington Post reported, a former senior U.S. intelligence official characterized former NSA Director Gen. Keith Alexander's approach to surveillance as "Collect it all, tag it, store it… And whatever it is you want, you go searching for it."
The NSA can't do this alone. It relies on a network of international partners who help collect information worldwide, especially the intelligence agencies of Australia, Canada, New Zealand, and the United Kingdom (collectively known, along with the United States, as the "Five Eyes.") In addition, the United States has relationships (including various levels of intelligence data sharing and assistance) with Belgium, Denmark, France, Germany, Israel, Italy, Japan, the Netherlands, Norway, Singapore, Spain, South Korea, Sweden, and potentially a number of other countries worldwide. There are also other countries - like Russia, China, and others - engaging in surveillance of digital communications without sharing that data with the NSA. Some of those governments, including the U.S. government, are spending billions of dollars to develop spying capabilities that they use aggressively against innocent people around the world. Some of them may do so with even less oversight and even fewer legal restrictions.
Although whistleblowers and journalists have focused attention on the staggering powers and ambitions of the likes of the NSA and GCHQ, we should never assume that other governments lack the desire to join them. Agencies everywhere are hungry for our data and working to expand their reach. Read about international surveillance law reform and fighting back through user-side encryption.
We focus here on the NSA because we know the most about its activities and we have the most legal and political tools for holding it to account. Of course, we need to know much more about surveillance practices of other agencies in the U.S. and abroad and expand our work together with our partners around the world to confront surveillance as a worldwide epidemic.
Mass surveillance is facilitated by technology companies, especially large ones. These companies often have insufficient or even sloppy security practices that make mass surveillance easier, and in some cases may be actively assisting the NSA in sweeping up data on hundreds of millions of people (for example, AT&T). In other cases, tech companies may be legally compelled to provide access to their servers to the NSA (or they may choose to fight that access). Read more about how tech companies can harden their systems against surveillance.
The NSA relies on several laws as well as a presidential order to justify its continued mass surveillance. Laws passed by Congress as well as orders from the U.S. President can curtail surveillance by the NSA, and the Supreme Court of the United States also has authority to put the brakes on surveillance.
Given that the American legal system doesn't adequately protect the rights of people overseas, what can we do in the immediate future to protect Internet users who may not be Americans?
Here's the game plan for right now. Note that these are not consecutive steps; we're working on them concurrently.
To date, there are unanswered questions about the degree to which U.S. technology companies are actively assisting the NSA.
In some cases, we know that tech companies are doing a lot to help the NSA get access to data. AT&T is a clear example of this. Thanks to whistleblower evidence, we know AT&T has a secret room at its Folsom Street facility in San Francisco where a fiber optic splitter creates a copy of the Internet traffic that passes through AT&T's networks. That splitter routes data directly to the NSA.
Some companies have taken things a step further and deliberately weakened or sabotaged their own products to "enable" NSA spying. We don't know who's done this or what they've done, but the NSA documents make clear that it's happening. It's the height of betrayal of the public, and it could conceivably be taking place with the help even of some companies that are loudly complaining about government spying.
So what do we know about major tech companies, like Google, Facebook, Yahoo, and Microsoft? Here we have mixed reports. Documents provided by Edward Snowden and published in the Guardian and the Washington Post name nine U.S. companies - Microsoft, Yahoo, Google, Facebook, PalTalk, AOL, Skype, YouTube, and Apple - as participants in the NSA's PRISM program. The documents indicate that the NSA has access to servers at each of these companies, and implies that these companies are complicit in the surveillance of their users.
The companies, in turn, have strongly denied these allegations, and have even formed a lobby group calling on governments to "limit surveillance to specific, known users for lawful purposes, and should not undertake bulk data collection of Internet communications."
While a start, that's a far cry from the role companies could be playing. Tech companies also have the ability to harden their systems to make mass surveillance more difficult, and to roll out features that allow users to easily encrypt their communications so that they are so completely secure that even their service providers can't read them. Perhaps most importantly, technology companies must categorically resist attempts to insert backdoors into their hardware or software.
There's also an important legal issue that can't be ignored. Tech companies are in a unique position to know about surveillance requests that are kept secret from the press and the public. These companies may have the best chance to fight back on behalf of their users in court (as Yahoo has done).
What's more, tech companies literally spend millions of dollars to lobby for laws in Washington and enjoy incredible access to and influence over U.S. lawmakers. Often, companies spend that money trying to derail potential regulation. Instead, these companies could be heavily prioritizing positive surveillance reform bills.
So how do we get tech companies to start fighting surveillance in court, hardening their systems against surveillance, pushing back against the administration, and lobbying for real reform? We're focused on transparency - uncovering everything we can about the degree to which big tech companies are actively helping the government - and public pressure. That means highlighting ways that companies are fighting surveillance and calling out companies that fail to stand up for user privacy.
It's why we're proud to support the Reset the Net campaign, designed to get companies big and small to take steps to protect user data. It's also why we're working to make what companies do and don't do in this area more visible. Campaigns like HTTPS Everywhere and our work on email transport encryption, as well as scorecards like Who Has Your Back are designed to poke and prod these companies to do more to protect all their users, and get them to publicly commit to steps that the public can objectively check.
We also need to cultivate a sense of responsibility on the part of all those who are building products to which the public entrusts its most sensitive and private data. The people who create our computing devices, network equipment, software environments, and so on, need to be very clear about their responsibility to the users who have chosen to trust them. They need to refuse to create backdoors and they need to fix any existing backdoors they become aware of. And they need to understand that they themselves, unfortunately, are going to be targets for governments that will try to penetrate, subvert, and coerce the technology world in order to expand their spying capabilities. They have a grave responsibility to users worldwide and we must use public pressure to ensure they live up to that responsibility.
Getting tech giants to safeguard our digital lives and changing laws and policies might be slow going, but anybody could start using encryption in a matter of minutes. From encrypted chat to encrypted email, from secure web browsing to secure document transfers, encryption is a powerful way to make mass surveillance significantly more difficult.
However, encryption can be tricky, especially if you don't have a team of engineers to walk you through it the way we do at EFF. With that in mind, we've created Surveillance Self Defense, an in-depth resource that explains encryption to folks who may want to safeguard their data but have little or no idea how to do it.
Read the full statement on EFF's site.
FREAK, the latest security vulnerability to be exposed that has implications for millions of supposedly secure websites, is just the most recent example of something privacy and security advocates have been saying for some time: when governments meddle with our security technologies, it hurts us all.


text:
Nshimiyimana turns his passion for graphic design into a cash cow
As you walk into Nyagatare town, one of Rwanda's satellite cities, one is welcomed by a number of sign posts and banners, among others. Most of these are work of Emmanuel Nshimiyimana, a resident of Karanganzi, Nyagatare District, who has turned his love for graphic design into a cash cow.
Published : March 21, 2017
The young entrepreneur was inspired a desire to contribute to job-creation. / Timothy Kisambira.
How he started
The founder and managing director of Shine Graphics Arts, which deals in graphic design, photography, signage and painting, among others, says the desire to create jobs and contribute to Rwanda's economic development agenda pushed him into entrepreneurship in 2014. Trained at Nyondo Technical Institute in Gisenyi, where he graduated with an arts and design certificate in 2014, Nshimiyimana chose self-employment instead of searching for a job.
Armed with a camera, a pencil, crayons, painting brush and only Rwf70,000 as start-up capital, the now 22-year-old opened a photography and painting enterprise in his hometown, Nyagatare, in Eastern Province.
"I had done some research and found out that the district lacked professional graphic designers which, for me, was a huge opportunity to exploit instead of looking for jobs," he says.
He says securing enough start-up capital was a big challenge, adding that the Rwf70,000 savings he had could not pay rent, buy equipment like computers, and market the business.
With no bank willing to give him a loan, the enterprising youth had no choice but to turn his rented residential into a multipurpose house, using it for business-related activities, too.
"However, I continued looking for funding to expand my business. Besides, the business required a lot of marketing and advertising among the residents who at the time did not appreciate art," he says.
"Few people understood the concept and were willing to walk into the studio to have their portraits painted." He, however, never relented and works about 10 hours every day painting portraits and shooting pictures, which have ensured a steady source of income for the young entrepreneur.
BDF comes to his rescue
With banks not ready to give a penny, Nshimiyimana tried to mobilise capital from friends, relatives, but the effort did not bear any fruits.
"All the people approached for support were reluctant to help. However, around the same time, I learnt through a radio programme that the Business Development Fund (BDF) gives guarantees to young entrepreneurs," he narrates.
"I quickly revised and updated my business project and submitted to BDF, which gave me a grant of Rwf1 million," Nshimiyimana says. With the cash secured, not even the sky was to limit him.
He used the money to buy equipment, including computers, cameras and printing machines, and also recruited a team to market his business in the district and across the province.
The strategy, he says, has worked as customer numbers continue to rise, ensuring better returns for the enterprise.
He says BDF support marked the turning point for the business whose future was not certain at the time.
Emmanuel Nshimiyimana at his workplace in Nyagatare town. / Timothy Kisambira.
From a small capital of Rwf70,000 Nshimiyimana's business is now valued at more than Rwf15 million, thanks to financial and technical support from BDF.
The young businessman employs 10 other youth, including graphic designers and photographers. His company has won tenders to make badges and IDs for many schools in Nyagatare. Nshimiyimana is also a celebrity photographer in the area and is hired to take pictures at weddings and other social and public events.
He earns an average of Rwf1.5 million from all the business activities every month.
His success story has inspired many youth, who look up to him as a role model. Nshimiyimana has become a master of photography and graphic design. Indeed, when we visited his studio in Nyagatare town last week, we found him painting portraits of his customers.
The business faces many challenges, including high cost of inputs and equipment. The increase in smartphone ownership is also giving Nshimiyimina a 'run for his money' as "some people no longer rely on conventional photography, but instead use their gadgets to take their own pictures.
Advice to youth
The artist advises the youth to become innovative and not to fear to take risks if they are to achieve their dreams and also contribute to the country's development agenda.
"Young people should not be discouraged by anything; they should be aggressive and confident in whatever they are doing to make it to the top," he says.
He urges financial institutions to work with young people, arguing that it is important for the country to achieve sustainable growth.
"Banks must design products that suit the youth, especially start-ups, to help create more employment opportunities in the country," he says.
Nshimiyimana says he wants to open more graphic design studios as part of his contribution to local media and fashion industries, as well as to the growth of the larger Made-in-Rwanda initiative.


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text:
Q: How to call and contain ArrayList I have a txt-file like this and I'm going through it
wlan_AP : lcb-kasse |  ActiveUsers : 1
wlan_AP : WLAN-C7B702 |  ActiveUsers : 1
wlan_AP : Telekom |  ActiveUsers : 1
wlan_AP : Telekom |  ActiveUsers : 1
wlan_AP : FRITZ!Box |  ActiveUsers : 1
wlan_AP : Telekom |  ActiveUsers : 1
wlan_AP : Sperling2 |  ActiveUsers : 1
wlan_AP : lcb-kasse |  ActiveUsers : 2
wlan_AP : WLAN-C7B702 |  ActiveUsers : 2
wlan_AP : Telekom |  ActiveUsers : 2
wlan_AP : Telekom |  ActiveUsers : 2
wlan_AP : FRITZ!Box |  ActiveUsers : 2
wlan_AP : Telekom |  ActiveUsers : 2
wlan_AP : Sperling2 |  ActiveUsers : 2

So I have meausrements of WiFi-AccessPoint Names (wlan_AP) and the number of active Users at the moment.
As you may've seen there are multiple measurements per AccessPoint (e.g. lcb-kasse)
I want to get the average number of active users at the end of my program.
Therefore I created a new Class called Averager. For every
averagerList = new ArrayList<Averager>();

This class has this variables
private String wlanAp;
ArrayList<Integer> measurements = new ArrayList<Integer>();

So in the main method I'm going through the txt-file, taking the wlanAp as a String and I'm looking if there is an object with the wlanAp
ArrayList<Averager> averagerList = new ArrayList<Averager>;

if (averagerList.contains(WlanAp))
{
    //it's already existing, just add a new measurement
   mittler.addMeasurement(m.getDb());
}
else
{
    averager = new Averager(mWlanAp);
    averagerList.add(averager);
    averager.addMeasurement(m.getActiveUsers());
}

But my problem - It is creating 14 objects instead of 7. Why? And I don't know how to check if there is already an element with this String name
Thanks for your help, I hope I covered all .. if not just ask

A: if (averagerList.contains(WlanAp))

This check will not work because WlanAp is a String while averagerList contains Averagers. The two are not equivalent, as per the implementation of their equals methods.
You should be using a Map instead of a List, a map is designed to act as a look up from one value to another while a list is a collection of a single type.  Using a map, your code would look like this:
Averager av = map.get(WlanAp);
if ( av == null ) {
    av = new Averager();
    map.put( WlanAp, av );
}

redpajama_set_name: RedPajamaStackExchange


text:
The Clinical Interview of the Child: Theory and Practice by Nancy Thorndike Greenspan Sented by Steve Bark
Ideal for both novices and advanced practitioners, the new edition of Stanley Greenspan's classic guide outlines a practical process for observing and interviewing children -- and organizing and interpreting their unfolding communications. Highly acclaimed, The Clinical Interview of the Child uses actual interviews with children to show readers how to Apply a developmental, biopsychosocial framework for understanding the inner lives of children at different ages and stages Observe and assess human development, including emotional and cognitive patterns and perceptual capacities Help infants and children to reveal their feelings, thoughts, and behaviors during the clinical interview Organize and interpret the interview data by constructing a developmental profile and translating it into DSM-IV-TR diagnostic categories The third edition has been expanded and revised extensively, with updated theoretical and conceptual foundations; information on higher levels of ego development and reflective and thinking capacities of older children; and a new section on a developmental biopsychosocial model -- the developmental, individual-difference, relationship-based (DIR) approach. An invaluable educational and practical resource, The Clinical Interview of the Child, Third Edition, is an ideal tool for psychiatrists and psychologists, pediatricians, educators, social workers, speech pathologists, occupational therapists, and judges and attorneys dealing with children and families.
Ideal for both novices and advanced practitioners, the new edition of Stanley Greenspan's classic guide outlines a practical process for observing and interviewing children -- and organizing and interpreting their unfolding communications.
Highly acclaimed, The Clinical Interview of the Child uses actual interviews with children to show readers how to Apply a developmental, biopsychosocial framework for understanding the inner lives of children at different ages and stages Observe and assess human development, including emotional and cognitive patterns and perceptual capacities Help infants and children to reveal their feelings, thoughts, and behaviors during the clinical interview Organize and interpret the interview data by constructing a developmental profile and translating it into DSM-IV-TR diagnostic categories
The third edition has been expanded and revised extensively, with updated theoretical and conceptual foundations; information on higher levels of ego development and reflective and thinking capacities of older children; and a new section on a developmental biopsychosocial model -- the developmental, individual-difference, relationship-based (DIR) approach.
An invaluable educational and practical resource, The Clinical Interview of the Child, Third Edition, is an ideal tool for psychiatrists and psychologists, pediatricians, educators, social workers, speech pathologists, occupational therapists, and judges and attorneys dealing with children and families.
Structural and Stress Analysis: Theories, Tutorials and Examples
A return to the village
How and Why People Change: Foundations of Psychological Therapy
The Ecology of Finnegans Wake (Florida James Joyce)
The Principle of Hope, Volume 2
Supplanting the Postmodern: An Anthology of Writings on the Arts and Culture of the Early 21st Century
The Now Effect: How a Mindful Moment Can Change the Rest of Your Life
Romancing Treason: The Literature of the Wars of Roses
The Facts on File Companion to British Poetry Before 1600
Posttraumatic Growth and Culturally Competent Practice: Lessons Learned from Around the Globe
Fabricating Foucault: Rationalising the Management of Individuals
Multi-Sited Ethnography: Problems and Possibilities in the Translocation of Research Methods
Stanley I. Greenspan
Nancy Thorndike Greenspan


text:
Martin Rivero
Real Name: Martin Rivero
HT: 5' 9" WT: 160
Birthplace: Roldán, Argentina
@@tinchorivero10
Acquired: Traded by Colorado on April 10, 2014
MLS CAREER
Suffered a right foot fracture in the Rapids' first preseason game of 2013 against the Portland Timbers on Jan. 29. Underwent surgery on Jan. 31 and is expected to miss 2-3 months while recovering.
Received Colorado Rapids Young Player of the Year award, through a vote by Rapids players and coaches of players 24-years-old and younger, in his debut season in MLS.
Contributed a team-high eight assists and two goals in 30 games played.
OTHER PROFESSIONAL HIGHLIGHTS
Made his Argentinian first division debut with Rosario Central in 2008 at the age of 18, having come up through the youth ranks at the club.
Played sparingly with Rosario Central until the 2010-11 season, when he made 30 appearances (16) starts an scored four goals with the club in the Argentine second division.
Established himself as a starter throughout the first half of the 2011-12 season before joining the Rapids.
2014 Chivas USA 7 6 0 577 3 4 1 9 0 1 0
2013 Colorado Rapids 16 6 1 705 3 16 5 9 2 1 0
2012 Colorado Rapids 30 30 2 2597 8 61 19 23 4 3 0
Career Totals - 53 42 3 3879 14 81 25 41 6 5 0
2013 Colorado Rapids 1 1 0 61 0 2 1 1 0 0 0
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9/27/2014 CHV @ SEA L 2-4 Unused Sub 0 0 0 0 0 0 0 0 0
9/21/2014 CHV @ TOR L 0-3 Unused Sub 0 0 0 0 0 0 0 0 0
9/12/2014 SKC @ CHV L 4-0 Unused Sub 0 0 0 0 0 0 0 0 0
9/07/2014 CHV @ CLB L 0-3 Unused Sub 0 0 0 0 0 0 0 0 0
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9/07/2013 COL @ LA W 1-0 Subbed on 26 0 0 1 0 0 0 0 0
8/31/2013 COL @ SKC L 1-2 Subbed on 33 0 0 1 1 0 0 0 0
8/17/2013 VAN @ COL W 0-2 Subbed on 27 0 0 0 0 2 0 0 0
8/11/2013 COL @ CHV T 1-1 Subbed on 28 1 0 2 2 1 0 0 0
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7/07/2013 DC @ COL T 0-0 Unused Sub 0 0 0 0 0 0 0 0 0
7/04/2013 RBNY @ COL W 0-2 Unused Sub 0 0 0 0 0 0 0 0 0
6/29/2013 COL @ MTL W 4-3 Unused Sub 0 0 0 0 0 0 0 0 0
6/23/2013 COL @ POR L 0-3 Unused Sub 0 0 0 0 0 0 0 0 0
6/19/2013 COL @ CHI L 1-2 Started 55 0 0 2 0 0 1 0 0
6/15/2013 SJ @ COL L 2-1 Subbed on 45 0 1 2 1 1 1 0 0
6/01/2013 DAL @ COL T 2-2 Unused Sub 0 0 0 0 0 0 0 0 0
5/18/2013 COL @ SJ T 1-1 Started 89 0 1 2 0 1 2 0 0
5/11/2013 COL @ CLB W 2-0 Started 89 0 0 0 0 2 5 1 0
5/04/2013 TOR @ COL W 0-1 Subbed on 32 0 0 1 0 1 1 0 0
4/28/2013 COL @ HOU T 1-1 Subbed on 22 0 0 1 0 1 1 0 0
4/20/2013 SEA @ COL L 1-0 Unused Sub 0 0 0 0 0 0 0 0 0
4/13/2013 COL @ CHV W 1-0 Unused Sub 0 0 0 0 0 0 0 0 0
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3/30/2013 POR @ COL T 2-2 Unused Sub 0 0 0 0 0 0 0 0 0
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3/02/2013 COL @ DAL L 0-1 Unused Sub 0 0 0 0 0 0 0 0 0
10/27/2012 HOU @ COL W 0-2 Started 90 0 0 4 2 0 4 0 0
10/20/2012 COL @ CHV W 2-0 Started 90 1 0 2 1 1 3 0 0
10/06/2012 SJ @ COL L 4-1 Started 90 0 0 0 0 1 2 0 0
9/30/2012 LA @ COL T 1-1 Started 75 0 0 2 1 0 0 0 0
9/23/2012 COL @ VAN T 2-2 Started 73 0 0 2 0 1 2 0 0
9/14/2012 COL @ LA L 0-2 Started 90 0 0 1 0 0 2 0 0
9/05/2012 POR @ COL W 0-3 Started 73 0 0 1 0 2 3 0 0
8/25/2012 COL @ SJ L 1-4 Started 90 0 1 2 0 1 2 0 0
8/18/2012 CHV @ COL T 1-1 Started 90 0 0 3 0 2 0 0 0
8/11/2012 COL @ DAL L 2-3 Started 90 0 1 0 0 0 2 0 0
8/04/2012 RSL @ COL W 0-1 Started 81 0 0 1 0 0 4 0 0
7/28/2012 SEA @ COL L 2-1 Started 90 0 0 3 1 1 1 0 0
7/21/2012 COL @ RSL L 0-2 Started 74 0 0 1 0 1 0 0 0
7/18/2012 COL @ TOR L 1-2 Started 90 0 0 2 0 2 1 0 0
7/14/2012 DAL @ COL L 2-1 Started 90 0 0 2 0 1 4 0 0
7/07/2012 COL @ SEA L 1-2 Started 90 0 0 3 1 1 1 1 0
7/04/2012 VAN @ COL L 1-0 Started 90 0 0 0 0 1 2 0 0
6/20/2012 SJ @ COL L 2-1 Started 90 0 0 3 2 1 3 0 0
6/16/2012 COL @ VAN L 0-1 Started 90 0 0 6 2 0 1 0 0
5/26/2012 MTL @ COL W 2-3 Started 90 0 1 0 0 1 3 1 0
5/19/2012 SKC @ COL T 2-2 Started 90 0 1 3 1 0 4 0 0
5/16/2012 COL @ DC L 0-2 Started 90 0 0 0 0 0 1 1 0
5/06/2012 COL @ DAL W 2-0 Started 90 1 0 3 2 1 2 0 0
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4/01/2012 CHI @ COL W 0-2 Started 87 0 1 4 1 1 3 0 0
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