text:
The world's ten greatest chess players
Top 10 Largest Volcanoes in the World
Top 10 Greatest Military Commanders in History
Top 10 oldest universities in the world
Top 10 richest billionaires on the planet
Top 10 Best Free WordPress eCommerce Themes
Who are the top 5 best magicians in the world?
Top 10 most mysterious ancient world wonders
Top 10 best books of all time that you should read
Top 5 natural ways to improve immune system health
Most view Reviews
Top 10 best wordpress plugins
Top 10 Free PrestaShop modules from PrestaHero
Top 10 Best Free WordPress Business and Agency Themes
Top 10 most mysterious ancient world wonders – part 2
Food, Beverages
Legal & Government
Public & Local Services
10 reasons why Darwin theory of evolution is wrong
Is Darwin's theory of evolution correct? Inferred evolution is still a controversial theory, but it is still preached in many places. On the New Scientist page, there is an article "Darwin was wrong" with 9 points pointing out the loopholes of this evolutionary theory.
1. The Law of Biogenesis
Louis Pasteur was a famous French scientist who pioneered the field of microbiology who declared that life must have originated from life. Simply put, children are born to parents. Even the smallest organism cannot be created from a random combination of unconscious chemical atoms. This is called the Law of Biogenesis, which Pasteur has proven experimentally.
In other words, if Darwin is right, then the Law of Creation must be wrong. Pasteur once stated emphatically that the doctrine of spontaneous life would never be restored. In no case can it be confirmed that microorganisms exist without germs, without parents like them.
2. Prokaryotic cells do not evolve into eukaryotic cells through mutation
The theory of evolution does not mention the fact that single-celled bacteria evolve into cells that are hundreds of times larger and more complex than they are. Prokaryotic cells do not evolve into eukaryotic cells through mutation but rather through symbiosis.
Jonatthan Wells (biologist) and William Dembski (mathematician) said that eukaryotic cells are complex cells, but even prokaryotic cells are extremely complex and there is no scientific evidence to show that simpler life forms that evolved from prokaryotes. For example, within mitochondria, in addition to the network of ATP machines, there are countless other machinery systems.
3. Explosion of life in the Cambrian
About 530 million years ago there was the sudden appearance of most of the major phyla, before which organisms were mostly simple individuals. Only about 70-80 million years they have evolved amazingly.
Darwin notes in his book "On the Origin of Species" that the sudden appearance of arthropods in the Cambrian fossil archive is a problem in the theory of evolution because, according to Darwin's theory, the Evolution took place over a very long period of time, while the powerful Cambrian explosion went against this.
4. There are no intermediate links
Also in "On the Origin of Species", Darwin also said that the number of intermediate forms that existed on earth was very large, but that these intermediate connections were not found in the stratigraphic layers. This is perhaps the strongest objection to his own theory of evolution.
Stephen J. Gould, a Harvard professor, said that all paleontologists know that fossil archives contain very few intermediate forms and that transitions between main groups can happen suddenly.
5. The immutability of an organism
Also according to Professor Stephen J. Gould, the stability of most fossils throughout its long life found in geology has been recognized by paleontologists as obvious, but most has not been studied.
The overwhelming prevalence of fixation in fossil remains has become an embarrassing feature but is ignored by everyone as ignorant.
6. Information from DNA
Norbert Weiner (MIT professor of mathematics, considered the father of cybernetics, cybernetics) said that information is information, it is not matter or energy, and materialism fails. Failure to realize this will not survive a day. Information is not physical but it can convey physical information. There is no evidence that information can be evolved or improved through mutation.
In 10 billion characters, a copy error occurs once, and each human DNA sequence has about 3 billion genetic characters. Bill Gates also said that DNA is much more like a high-end computer program than some created software.
Physicist and chemist Jonathan Sarfati also said that the amount of information that can contain DNA on a needle is equivalent to a stack of thin-cover books 500 times the length from the earth to the sun and its contents are not. never repeat. In other words, if we have a 40GB hard drive, a single DNA needle can hold 100 million times as much information as that hard drive. Therefore, evolution is not random or blind.
Antony Flew - The famous British atheist also said that the knowledge of DNA shows incredible about the arrangement necessary to produce life, intelligent consciousness must be involved to be able to make the element. This extremely diverse is operated. The complex molecular machine will do the job of copying DNA in the cell.
7. The struggle for survival is not the driving force for evolution
Scientists from the University of Bristol say that it is the living space that is the main driver of evolution. Studies have also shown that major evolutionary changes occur when animals move to new habitats that have not been occupied by other animals.
8. Darwin's Tree of Life is unrealistic
Eric Bapteste, a biologist at France's Pierre and Marie Curie University, said the model describing the association of species should be a bush instead of a tree because we don't have a good proof for a tree of life. Life is a reality. Instead of descending from the species to its individual species, they interbreed with different evolutionary branches, resulting in a complex bush in its own right.
Michael Rose - Biologist at UCI said that the tree of life is being delicately buried and the biological foundation should change!
9. Humans did not evolve from apes
Actual studies show that the DNA of humans and apes is only about 93% similar and we have a greater difference than them in terms of body structure, behavior or intelligence, brain.
10. Archaeological evidence
The most important thing is, we have a lot of archaeological evidence dating back very far.
- 5.7 million year old footprint in Greece
- Fossil teeth 9.7 million years old in Germany
- Human footprints 290 million years old
- 2 billion year old nuclear reactor in Gabon
- 260,000-year-old skull in China
- Metal sphere 2.8 billion years old
- Ica stones
Like the 10 reasons why Darwin theory of evolution is wrong? share me
Would you like to write a review for your company or brand?
Top 10 most expensive fashion brands in the world
Top 8 largest yachts in the world in 2020


text:
Dulene (en serbe cyrillique : ) est un village de Serbie situé dans la municipalité de Pivara (Kragujevac), district de Šumadija. Au recensement de 2011, il comptait 151 habitants.

Géographie
Dulene est situé sur les bords de la Dulenska reka, un des bras qui forme le Lugomir, un affluent de la Velika Morava.

Démographie

Notes et références

Voir aussi

Articles connexes
 Maison de Vojin et Miloje Pavlović à Dulene
 Localités de Serbie
 Villes de Serbie

Liens externes

  http://dulene-blog.blogspot.com/
 dulene.in.rs

Localité dans la municipalité de Kragujevac

redpajama_set_name: RedPajamaWikipedia


They say the proof of the pudding is in the tasting, and for seven personal travel managers (PTMs) on a recent TravelManagers' famil of the Maldives' Club Med Kani and Finolhu Villas, a four-night taste was proof enough that a barefoot-luxury holiday in this exquisite destination is well worth aspiring to.
The group was hosted by Club Med's Business Development Manager, Adam Ferraro and accompanied by TravelManagers' Fares and Ticketing Manager, Jose Canas. After a quick stop in Singapore during which they were able to experience Changi Airport's Ambassador Transit Lounge, they continued to their destination for the next three nights: Club Med Kani.
After taking a tour of the resort, participants were free to spend the remainder of their time at the resort enjoying the various water-sports on offer, joining yoga and pilates classes and sampling both the cocktails at the resort's Beach Bar and dining at Velhi Restaurant.
"To be on the island and enjoy the scenery, to see the different room options first-hand and to sample the amazing variety of meals and activities available makes property so much easier to sell," reports PTM Michelle Thomas, who is representative for Norah Head, NSW.
After two wonderful days at Club Med Kani, the group were transferred to the nearby Finolhu Villas for a final day and night of indulgence.
Participants qualified for the famil, which was exclusive to TravelManagers, by participating in a sales incentive run over May and June this year, based on sales performance or improvement at the two Maldives-based Club Med properties, Club Med Bintan and on Singapore Airlines.
The group's final evening in the Maldives involved sipping glasses of chilled Champagne as they watched the sun set, before heading to the overwater, fine-dining Moto restaurant, whose central bar offers a window to the ocean world below through a special glass floor.


protocols. BullPay delivers enterprise class APIs.
Are you a developer? If so, dive straight into our API Docs. If not, please read on!
Send and confirm payments via Longhorn across the Bitcoin (BTC), Litecoin (LTC), Litecoin TestNet (LTCTEST), Dogecoin (DOGE) and Dash (DASH) networks.
Get historical and real-time transactions with zero delay, regardless of wallets or exchanges. Show a total balance of a wallet and its summary instantly.
Track blockchain transaction data—visually or programmatically—from the genesis block to the most recent one. Audit, monitor, or trace transactions on supported blockchains.
Use Longhorn Block Explorer to search and verify transactions for Bitcoin, Litecoin, Litecoin TestNet, Dogecoin and Dash regardless of wallets or exchanges.
Get all transactions and a total balance of a wallet address with zero delay and the utmost accuracy.
Build blockchain-related applications or solutions with one unified API, a powerful set of the most scalable and reliable APIs by Longhorn.
Simplify your code, shorten product development cycle, and sidestep expensive node development, maintenance and operation, across many blockchains.
Use Longhorn to detect, investigate and prevent suspicious cryptocurrency-related activities, i.e. money laundering, fraud and compliance violations.
Gain a data advantage from Longhorn Memory-mapped database technology to identify suspicious activity across billions of cryptocurrency transactions or other data tied to the blockchains.
and maybe write a blog post about it.


Vision - Where we are going, and how we will know we're there.
To be recognized as setting new standards in client care and team performance.
Mission - What we do every day to get there.
We produce results that consistently exceed expectations.
Values - What we believe in; our principles.
We are driven to nurture relationships, families and communities.
We create value with education, innovation and teamwork.
We cultivate and embrace a culture of trust, compassion and transparency.


text:
HELP–Human Behavior ll
THE STORY OF JULIAN HERBS
Julian Herbs is a 50 year old African American male who is married and has two children. Mr. Herbs owns a body shop and worked hard to invest his money, owning a few rental houses and an apartment complex.
Despite, being financially secure, Mr. Herb is dissatisfied with his current life and so his pastor suggested that he seeks therapy. At his first session with you, he indicated that "nothing is really wrong, but nothing is really right either." While he described his marriage as satisfactory and believed he had strong relationships with his children he feels unfulfilled. His daughter graduated from College two years ago and moved to Atlanta and his son, who plays football at a local college is graduating in a few months but has already found a job in Chicago. He sensed that he is just "going through the motions of life until I die." While he had not embarked on an affair he admitted that he has been talking with his 25 year old female receptionist and was hoping that the relationship might develop further. He revealed that he had taken the young lady to lunch once but nothing more than that.
Mr. Herb described his parents as hardworking Christians who dedicated their lives to raising their children in the segregated south. He and his siblings were close when they were growing up. He graduated from high school as a honor student and received a college scholarship to play basketball. Rather than pursue his education he married his high school sweetheart at age 19 and by age 21 he was a father. "I guess I was in love" he said dismissively. He worked hard to support his family and did not want to be one of those guys in the community who abandoned his children. He studied automotive mechanics at the local technical college for nine months and afterwards saved enough money to get his own shop. He often regrets not going to college to get a 4-year degree. Julian's father had often talked about dreams he had for his retirement but died two years prior to retirement from a heart attack. His mother resides in the neighborhood and Julian and his wife spend their free time assisting her so she can maintain a fairly independent life.
From your readings and study:
1. Conduct an assessment of Mr. Herb. Is there a problem to be addressed here why or why not?
2. Looking at his developmental stage and using the person in environment perspective, describe his concerns.
3. Employ at least one theory that could further explain Mr. Herb's version of reality and finally,
4. Describe how you would handle this case with your client through suggestions and recommendations using your knowledge of human development.
Your paper should adhere to the APA format and should not be more than six pages. Papers should be numbered consecutively and should be free of errors and plagiarism.
Using these books:
Human Behavior and the Social Environment: Shifting the Paradigms in Essential Knowledge for Social Work Practice 6th Edition
Human Behavior and the Social Environment 10th Edition
Utilize:
3 elements for happy relationship
decision/commitment
(Men) Awareness of fertility (DEATH)
Is this all (question) Marx (Dark Knight of Soul)
Eric Ericsson Stage of Development Industry vs Stagnation for the theory
The post HELP–Human Behavior ll first appeared on The Nursing Tutors.

redpajama_set_name: RedPajamaCommonCrawl


text:
Not backing down
Reconnecting on education
"I have tenaciously engineered a succession of reforms coming one after another, and I will be fearless going forward," said Japan's Prime Minister Shinzo Abe. His visit was part of a strategic eight-day state visit to several U.S. cities that will culminate in a speech before a joint session of Congress in Washington, D.C., on Wednesday, the first ever by a Japanese prime minister.
Stephanie Mitchell/Harvard Staff Photographer
In Kennedy School address, Japanese Prime Minister Abe touts his reformist agenda, says he will continue to push it
By Christina Pazzanese Harvard Staff Writer
Date April 27, 2015 June 26, 2019
Japan's Prime Minister Shinzo Abe spoke at the Harvard Kennedy School (HKS) today, explaining his efforts to resolve the country's numerous economic and political challenges. He discussed bolstering relations with the United States, China, India, and Russia, and he boosted more tourism for Tokyo, site of the 2020 Summer Olympics.
As part of the event hosted by the Institute of Politics (IOP), HKS Dean David Ellwood joined Joseph Nye, the University Distinguished Service Professor, and U.S. Ambassador to Japan Caroline Kennedy in offering effusive praise of Abe's leadership.
"When my mother and uncles created this institution as a living memorial to my father, they imagined days like this when global leaders, both men and women, would engage students on the critical issues of the day," and they imagined "that engagement would inspire the students to enter public life, committing themselves to public service," said Kennedy, who called Abe "a once-in-a-generation leader."
Abe's morning stop in Cambridge followed visits to the John F. Kennedy Library in Dorchester and the Boston Marathon bombing site in Boston's Back Bay. His visit was part of a strategic eight-day state visit to several U.S. cities that will culminate in a speech before a joint session of Congress in Washington, D.C., on Wednesday, the first ever by a Japanese prime minister. The trip comes amid some public criticism of Abe's handling of contemporary domestic affairs and the country's treatment of women during World War II.
Pushing ahead with major economic, political, and social reforms, Abe strongly defended his ambitious governmental agenda during a nearly 9-minute address in Japanese to HKS students, faculty, and dignitaries. Acknowledging frequent criticisms from what he called Japan's "vested interests" and the historic difficulty leaders have in successfully pushing forward more than one or two meaningful reforms, Abe said he's confident that those who support what he's doing constitute a "silent majority."
"I have tenaciously engineered a succession of reforms coming one after another, and I will be fearless going forward. It is because now, more than at any time before, I believe there is in Japan among its people a strong and growing desire to pursue reforms," Abe said through an English translator. Noting the country's economic troubles, including prolonged deflation and flagging consumer demand, as well as an aging population that has tilted Japan's macroeconomic balance, Abe said, "My role in these circumstances is to lead the nation to think of itself again as 'the little engine that could.'"
Taking inspiration from the notion of "grace under pressure," Abe said he doesn't intend to back down from his policies. He called for a "more robust" alliance with the United States through trade deals such as the Trans-Pacific Partnership, and he encouraged more foreign capital investment, steps designed to improve the economy by "changing diehard business habits."
"Reform never comes without resistance. There will always be pressure from society to suppress it," he said. "Still, once you have reached a decision after of course having given it much thought, you must carry through on it."
Security was tight at HKS, as Abe's address came just days after Japanese police arrested a man suspected of landing a drone carrying traces of radioactive material on the roof of the prime minister's office building. Abe was out of town at the time of the incident and unharmed. According to reports, the suspect said he was protesting Japan's nuclear energy policy.
During and after the speech, about two dozen demonstrators stood outside HKS, holding signs that called on Abe to formally apologize for the Japanese government's role in the sexual enslavement of thousands of women who were forced to work in military brothels as so-called "comfort women" during World War II. Inside, Harvard College sophomore Joseph Lee Choe asked Abe to address the issue.
Abe said, "My heart aches when I think about those people who were victimized by human trafficking and who were subject to immeasurable pain and suffering beyond description," a feeling "no different" than previous administrations. He said he "upholds" the 1993 Kono Statement on the issue and noted that at the United Nations General Assembly last year, he pledged that Japan would help to lead the international community to fight against sexual trafficking and has contributed $34 million since then to that effort.
The statement was Japan's first acknowledgment of the coercion of women into military sex camps, and it was a controversial apology that some conservatives want retracted. In 2007, Abe had said he didn't agree with the statement's findings and ordered it to be reviewed in 2014, leading some to accuse him of trying to whitewash history in the name of national pride and political advantage. But that review left the statement intact.
In an interview via email after Abe's speech, Choe said he wasn't satisfied with the response.
"Yong Soo Lee, a former comfort woman, spoke to a group of Harvard students yesterday about how she was literally dragged from her home and forced into sexual slavery by the Japanese military during World War II," Choe said. "Hearing her speak and seeing her tears made me empowered to seek justice for her and other former comfort women. What the Japanese government did was horrific, and an apology is the least they can do to give closure to women like Yong Soo Lee."
When asked about Japan's relationships with Brazil, Russia, India, and China (the BRIC nations), Abe said he hoped Russia will reach a peaceful agreement with Ukraine, and expressed a strong desire for a peace accord between Japan and Russia, noting the 70 years since the end of World War II.
He was optimistic about strengthening relations with India, saying that he talks frequently with Prime Minister Narendra Modi and that the two countries are eager to expand economic and national security ties.
Concerning China, that country's rapid development is a "major positive" for Japan and the world, Abe said, but he added that China's conduct in the South China Sea and East China Sea and its "military display" there concern Japan and other nearby nations. "As a responsible major power in the region, I hope sincerely that it would find a peaceful answer to its challenges," he said.
Lastly, Abe touched on a favorite theme: bringing more women into the Japanese government and workforce, particularly in leadership roles. He touted a goal he set for government ministries to field at least 30 percent of female candidates for executive positions, a benchmark all have now cleared, he said. Further, while the number of women in the National Diet, or Japanese parliament, is still "very small," Abe said women hold two of three major party posts. And in the two years since he took office, companies listed on the Tokyo Stock Exchange have doubled the number of female directors from 90 to 180, he said.
Abe said he hopes that companies will build upon that effort, "not because of social policy, but because hiring women would improve the corporate performance," he said.
"I often say that had Lehman Brothers been Lehman Brothers and Sisters, they would still be around."
The Harvard Graduate School of Education (HGSE) held a special Askwith Forum aimed at addressing the American educational crisis. The talk was hosted by Fernando Reimers (from left), director of HGSE's Global Education and International Education Policy Program, and featured professors Rosabeth Moss Kanter, William Clark, Diana Eck, and Howard Koh.


text:
Deployment for a Nichols and Shepard
Army Specialist takes Leave Knowing the Purchase of a Steam Engine is at Hand
By Mary Bixler
| May 2006
Opposite page: Aaron Bixler's 1917 Nichols & Shepard 20-75 double-cylinder steam engine.
Below, clockwise from left: Aaron Bixler with his 1/4-scale Case during the 2004 Midwest Old Threshers Reunion. Aaron in Ramadi, Iraq, holding a copy of Steam Traction. Aaron with his 1/4-scale Case engine in the 2004 Midwest Old Threshers Noon Cavelcade of Power, Mt. Pleasant, Iowa. Side view of the 1/4-scale Case.
Above: Twelve-year-old Aaron Bixler at the operator's wheel of a Russell 6 HP engine.
Some call it steam fever. You know that feeling the majority of people who read Steam Traction get in the summertime at the first whiff of coal, steam and cylinder oil. Symptoms include grease under the fingernails, sore muscles from hauling coal and chopping wood, and the ear pain from the groan of stiff metal filling the air. It always appears about the end of May and disappears somewhere about the end of October. At least that's the way it was for my son Specialist Aaron Bixler of the 224th Iowa National Guard Engineer Battalion, Company C, Mt. Pleasant, Iowa, until his deployment in September of 2003 and October 2004.
Having attended the Old Threshers Reunion since 1985, at the age of 2, Aaron has only missed participating in two of the worlds largest steam shows. The first one was in 2003 when he volunteered to be part of the NATO Multi-force Operation to Sharm El-Shiek, Egypt. Attached to the 133rd Infantry, Iowa Army National Guard out of Dubuque, Iowa, for the deployment, it would mean that he would miss the reunion for the first time in 18 years. Letters and photos filtered back and forth across the Internet of the activities in the park at Mt. Pleasant, but it just could not take the place of the real smell of coal, wood and oil, and the sound of hissing steam from the smokestack. What made the 2004 reunion even sweeter on his return to the states? Aaron purchased a 1/4-scale model Case with the money from his deployment just three months after his return.
Operation Iraqi Freedom III put the Mt. Pleasant unit of the 224th Iowa Army National Guard on alert in April 2004. Aaron began preparing for the possibility that his 1/4-scale Case model, set to debut, would most likely be in a storage shed for the upcoming 2004 reunion. The activation call of the unit came on the first day of the Old Threshers Reunion with deployment date just 30 days later.
Driving an Army SEE (backhoe) truck or a M916 transport truck would soon take the place of the throttle and clutch on his model engine and the other engines he operated at other steam shows like the Osage show, the Antique Acres Old Time Power Show, and the Seminole Valley Farms Museum Midwest Antique Gas Engine and Tractor Assn. Show.
The model did debut at the reunion and then reluctantly was put into storage. Aaron then re-signed himself to 18 months of active duty somewhere in Iraq digging up roadside bombs (IEDs) and searching for insurgent weapon caches.
Soldiers especially cherish letters and e-mails from home. But what Aaron looked forward to the most was Steam Traction arriving at his Mt. Pleasant home address and quickly being forwarded to the APO in Ramadi, Iraq. While other soldiers in the unit read motorcycle and/or auto racing magazines, Aaron lay on his bunk or on the seat of his Army heavy equipment between missions reading about old steam engines in Steam Traction.
The 2005 Old Threshers Reunion started on Sept. 4. As luck would have it, Aaron was boarding a plane in Al-Taqqadam, Iraq, bound for his 14-day leave to Mt. Pleasant. Fingers crossed by family and friends, he arrived in Mt. Pleasant on Friday of the Old Threshers Reunion and was seen on the reunion grounds less than three hours after his plane landed in Burlington, Iowa. A true die-hard steam engineer.
Soldiers are asked why they go on dangerous deployments, besides the oath that they have sworn to protect our freedom. The drive to own a full-size steam engine was at the forefront of Aaron's decision to go on a second deployment in two years. Knowing that a 1917 Nichols & Shepard 20-75 double-cylinder steam engine was up for sale by a close relative, he knew he had first chance if he still wanted it. His dream of coming home on leave for the Old Threshers Reunion and finally owning a large steam engine made the 14-day leave all any American soldier from Mt. Pleasant could ask for.
Oh yes, the latest Steam Traction was in Aaron's duffel bag on its way back to Iraq, and photos of his new steam engine purchase were all over his computer screen.
Contact steam enthusiast Aaron Bixler at 1103 S. Linden Lane, Mt. Pleasant, IA 52641; e-mail: juliet62@hotmail.com


The University of Bologna (UNIBO), founded in 1088, is the oldest university in continuous operation in Italy. It was the first place of study to use the term universitas for the corporations of students and masters, which came to define the institution located in Bologna, Italy. It has campuses in Ravenna, Forlì, Cesena and Riminiand a branch center abroad in Buenos Aires. The 11 Schools (which replace the preexisting 23 faculties) are: School of Agriculture and Veterinary Medicine; School of Economics, Management and Statistics; School of Engineering and Architecture; School of Foreign Languages and Literature, Interpretation and Translation; School of Law; School of Arts, Humanities, and Cultural Heritage; School of Medicine and Surgery; School of Pharmacy, Biotechnologies and Sport Sciences; School of Political Sciences; School of Psychology and Education Sciences; School of Sciences.


text:
Torpedo-Metallurg - Dynamo. Before the match
For the leader of torpedo-metallurg" Sergei Shoustikov this season began with the handing him the captain's armband. Thus, the head coach Sergey Aleynikov made it clear that even in the light of staff changes and create essentially a new team the authority of the veteran remains unshakable.? It is important for me not so much my captaincy, how much mutual trust of the coaches and the guys ? says shoustikov. - We don't have a strict vertical - Sergey on many issues, consults with the players. For example, in the team formed a Council, which in addition includes me Novosadov, Khlestov, Cossacks, Karnaukhov and Kovalev - from young.? What are you talking about?? All the pressing issues. Why goals are hard, for example. Читать полностью -->
The Portuguese League. Byshovets won again
Successfully continues to work as the new head coach of the Portuguese club Maritimo" Russian Anatoly Byshovets. The second match in a row his team wins.This time the wards of St. Petersburg, visiting overcame one of the outsiders for the championship of Portugal - "Academician". After this victory, "cs" shares with "Belenenses" 7-8 places, as both teams scored 34 points.. . Читать полностью -->
Niemi doesn't want to be a red devil
The goalkeeper of the national team of Finland and "Southampton" Antti Niemi was surprised to learn that Alex Ferguson wants to see him in the gate, "Manchester United". However, Niemi has been out now a knee injury, do not wish to become the "red devil"."Why would I "Manchester United", I am well and with Southampton FC. I am currently thinking about how to recover to the final match of the FA Cup, and not about the new club. In addition, I was not tempted by the prospect of working together with sir Alex Ferguson, a man of unpredictable and powerful. Therefore, I did not promise in Manchester, I would say no," he reassured fans "saints" Antti Niemi.. . Читать полностью -->
De Bilde goes into ARIS
Greek club ARIS" almost solved all questions regarding the transfer from Anderlecht midfielder Gilles De Bilde."The signing of the contract is a matter of time, it can happen in the next few days," commented a spokesman for the club.. . . . . . Читать полностью -->
Pietro overlord: Tail misled arbitrator
The goal of Hernan Crespo scored in the third minute of added time left to inter some chances to compete with Juventus for the scudetto. This victory blue black celebrated as if it was about the title. For Crespo it was the first out on the field in the championship match after January 12, when he was injured in a duel with the "Modena".The match was full of rudeness, and the tone here asked Christian Vieri, something taken a dislike to the Brazilian Bilik from Brescia. First best scorer of the championship intentionally hit him with his elbow, and then decided to be sure to butt the opponent. Bylica responded, resulting in a red card the referee Farina showed both. Stayed Vieri on the field only 18 minutes (it was released only in the second half instead of Batistuta). Читать полностью -->
Nigmatullin and Salernitana secured a departure from the series In
Italian Salernitana" advocated by the Russian goalkeeper Ruslan Nigmatullin and secured their relegation from division B. In the match 33 tour "Salernitana" was defeated with the score 1:2 Cagliari and firmly entrenched in last place in the standings with 33 games to 21 points). The new season in the Italian championship "Salernitana" will start in the series C. as for the match against Cagliari, Nigmatullin appeared in the starting lineup. However, to save his team from defeat it and failed.. . Читать полностью -->
Spartacus - Krylia Sovetov: match stats
Spartak - Zenit 1:1 goals: rams, 64 - Karyaka, Spartak:Bugs (Zuev, 52), Kovtun, And Pinheiro, Vashchuk, Pavlenko (Kebe, 83), Smirnov, sheep, Titov, Pavlyuchenko, Robert (daniszewski, 46) Krylya Sovetov:Chichkin, dehaan, Ovie, Lilo, med (Wright, 16), Tikhonov, Karyaka, beaver (Nemov, 72), de Souza, Kovba, Houseprogressive: Kovtun, 36; Vashchuk, 67 Gaucho, 24; de Souza, 90 Sudha: Sukhina (Malakhovka, Moscow, Russia). "Torpedo".. . . . . Читать полностью -->
Spartak - Zenit: match stats
Spartak - Zenit 1:1 goals: Pavlenko, 28 - Spivak, 16-Besparmak: Zuev, Kovtun, Moises, And Kebe, sheep (Kalinichenko, 27), Vashchuk, Smirnov, Titov, Pavlenko, Pavlyuchenkova: Malafeev, Hovsepyan, Vjestica, Horak, mareЕЎ, Arshavin (Hartig, 55), Igonin, Radimov (Konoplev, 90 3), Spivak, Shirl, Karakalpakistan: Pavlyuchenko, 17; And 39; Kebe, 60 - Asian, 27; Igonin, 73; Radimov, 90 1; Vjestica, 90 Sudha: Evstigneev (Queens)Moscow. "Torpedo" to them. Eduard Streltsov. 8200 viewers. . . Читать полностью -->
Juventus started negotiations with Kluivert
Turin "Juventus" ahead of "Manchester United" and "Newcastle" in the race for the striker Barcelona's Patrick Kluivert. Striker Manchester United Ruud van Nistelrooy advised to sir Alex Ferguson that he tried to get Caverta for the next season. As sir Bobby Robson (coach, "Newcastle") still soon after Christmas, confirmed that the magpies are interested in the player.However, Juventus ahead of their rivals, at least at a preliminary stage. General Manager Luciano Moggi already held a first round of negotiations with the agent Patrick. He stated that his client wants to keep his salary at the level at which it is in the "bars" is there a Dutchman 3.2 million pounds per year. The Bianconeri are willing to pay only 2.7 million. Читать полностью -->
Championship Of France. Lyon beat Bordeaux
0:1 Anderson, 60. . . . . Читать полностью -->
1 2 > > > >


text:
Синджорджу-де-Педуре () — місто у повіті Муреш в Румунії. Адміністративно місту підпорядковані такі села (дані про населення за 2002 рік):
 Безід (699 осіб)
 Безіду-Ноу (39 осіб)
 Лоцу (6 осіб)

Місто розташоване на відстані 242 км на північний захід від Бухареста, 24 км на південний схід від Тиргу-Муреша, 102 км на схід від Клуж-Напоки, 104 км на північний захід від Брашова.

Населення
За даними перепису населення 2002 року у місті проживали  особи.

Національний склад населення міста:

Рідною мовою назвали:

Склад населення міста за віросповіданням:

Зовнішні посилання
 Дані про місто Синджорджу-де-Педуре на сайті Ghidul Primăriilor

Примітки

Міста Мурешу


Nobody ever asked me if computer software mattered. I never asked myself that question, either. Of course it matters: it's a proper job, and there's money in it. Case closed.
Whether you believe that or not, being a fiction writer is a very different proposition.
I made the switch a year ago, away from programming and software, and became a full-time writer. Without exception, everyone who's asked what I do for a living recently has been excited and enthusiastic. It really helped quieten that nagging voice of uncertainty.
The doubter was me, of course. Does fiction matter? I've struggled with that question, because I don't think writers ever entirely get past the fear that they're being self-indulgent, and childish, and at some point the teacher is going to read their work out in the front of the class, and all the other kids are going to laugh.
I've been writing fiction for a while; since I was a teenager. I think most people start when they're young, then perhaps lapse as education and work take over. Proper things to do. That's what happened with me. But I started back up again, and I've been writing fiction again for a few years now.
Want to know a secret? Of course you do. Silly question. I've already published a fair bit of short fiction online, under pseudonyms. I've adjusted to having my tales out there. Two or three novels' worth; about a quarter of a million words. I have over half a million readers in that capacity, which isn't a bad number at all. A few thousand very positive reviews, too. It's reassuring.
It does. It really does. Because we need stories.
There's art to be found in fiction, for one thing. The writer is performing a kind of magic, using language. Assembling a stranger's feelings, memories, and imagined scenes into something resembling what they saw themselves as the story took shape. That's all well and good, but it's not the part we need.
There's also escapism, of course. We read fiction to remove ourselves from this world for a while, and sample other ones. To be in the company of heroes and villains, and to explore other scenarios: the miraculous as well as the mundane. We read for pleasure, for pain, as a distraction, and to give flight to our imagination. Those are worthy and noble goals. We're tale-telling creatures by nature.
Going a little deeper, stories are our cultural currency. They're not some frivolous, separate thing - just an entertainment medium. Indeed, nothing is just for entertainment. Our stories frame the universe, pulling it into focus, reducing it to something comprehensible, and intensifying the colours until they sizzle. Stories are our best realities, whether they're real or imaginary.
Here's the crux of it. Our shared tales define us as people. They become our idioms, our figures of speech, and the lens of our understanding of what's around us. They're nothing less than world-models, to be picked up, examined, and experienced. They're existential tools.
Therein lies the writer's power, and grave responsibility. One person's words sneak into others via the subterfuge of fiction, implanting ideas, perspectives, and perhaps even beliefs. We've all been changed by a tale that particularly struck us. By a lie that resonated as if it were true.
For me, stories are empathic projections. They reflect and propagate our hopes and fears. They fuel our desires, and sometimes our ambitions. Most importantly of all, they fire our emotions - they let us feel as deeply as we can. We're emotional creatures, whose acts are guided by passion much more than reason. It's vital that we know how to feel.
Writing fiction isn't just a creative act, willing a new universe into existence; it's another stroke in our continuing struggle to understand ourselves, and to connect with each other in the hidden places where each of us truly lives.
Whatever the author's intent, the real potential of our stories is to catch the reader's attention with a bright, new world, so that out of the corner of your eye, our own might come a little more into focus.
That's what our tales do, and that's what they're for. They are profoundly human - and I think there can be no greater legitimacy than that.


text:
Shozy Ceres Review: Ceres-ly?
Fc-Construct | September 10, 2021
Shozy is no stranger to the ChiFi market, having been around since the days KZ reigned as the default option in the budget market. Unlike KZ however, Shozy doesn't release new products every couple of weeks nor do they only dabble in the $50 or so market. I've only heard a couple Shozy IEMs in the past and unfortunately I can't say they were any good. The Shozy Ceres I have today is a newly released $180 IEM that features a 1 DD + 1 BA setup. These 1 DD + 1 BA setups have been around for quite some time so I'm curious to see if Shozy will bring anything new to the table.
The Shozy Ceres was provided to me by Linsoul in exchange of an honest review.
Inside the box is your typical set of accessories. A modest set of tips, a hexagonal fabric case, a cable, and the IEMs themselves. The cable is 2-pin with pre-molded earhooks and is what I would call a dirty yellow cable. I will say the ergonomics on it is quite nice. It's a really good cable. The shell is made up of resin and feature a blue faceplate with a yellow pattern on it. I don't particularly care for the looks of this IEM. It's quite a comfortable IEM at least.
The tuning is a bad mix of bassy, dark, and sibilant all at the same time.
There's practically no upper mids to speak of while there's a massive peak in the mid treble that somehow manages to make vocals painfully sharp at times.
Vocals are severely depressed and there's zero vocal dynamics. It's extremely sad when singers try to fully unleash their voice and belt with all of their being and the Ceres takes all that effort and flattens it out into nothingness.
Instruments, especially guitars, sound they're missing a couple notes in a chord. The lowest note is played while the others are lost to the void. Needless to say, timbre is bad.
Bass quality is rather poor; it sounds poofy and rounded with a off-focus more on the midbass.
Treble is smothered except for the aforementioned large peak that offensively stabs you when you least expect it then disappears into the darkness that is the rest of this IEM.
It costs $180.
Alright, jokes aside there are a few very minor "upsides" that prevent this IEM from being on the level of Shuoer Tape Pro in terms of awfulness.
While female vocals are absolutely destroyed, male vocals can sound decent especially with a couple of hours of brain burn in, especially on slower, acoustic songs. In fact, I went grocery shopping with this thing and by the end of it I stopped caring about about how lo-fi it is. You'll still never get that upper mids presence you're waiting for but it's not like the Ceres somehow makes your music unintelligible. Brain burn in, it's a hell of a drug.
The bass, believe it or not, isn't actually super bloated or muddy. It's obviously still not good but I've heard a lot worse when it comes to mud.
Resolution is acceptable.
Probably the biggest surprise to me is the staging of this IEM. It's falls in the above average range, especially when considering the rest of this IEM's performance. It is by far the biggest saving grace of the Ceres' sound. There's decent width and a little bit of depth that allows for good of instrument separation. It goes a very, very long way towards alleviating the sense of congestion you might expect from an IEM with this sort of frequency response. It gives instruments a sense of identity instead of being just a blur. This effect probably comes from the three large vent holes built into the shell.
Here's the frequency response graph of the Shozy Ceres. I'll let you come to your own conclusions.
The Shozy Ceres is not an IEM worth spending $180 on. That said, I don't utterly hate this IEM. Let's put it this way: I can still enjoy music with this, limited as it may be. When you listen to it, the first thing you hear is the lack of upper mids, giving it a dark, hazy feel. For some reason, I keep expecting that the vocals will somehow magically come to life at any second but it never does. The staging of this IEM seriously the only thing keeping this thing alive. Give it a simple upper mids boost via EQ and it becomes a lot more enjoyable. It fixes the tuning issue which helps the technical performance come through. Still, it's not something you'd buy for the sole purpose of EQing but if you already own one and want to improve it, any "Vocal" EQ preset should do the trick.
Written by Fc-Construct
Fc-Construct IEM Reviews


As you might imagine, I find myself in a lot of discussions about U.S. fiscal policy, and the budget deficit in particular. And there's one thing I can count on in these discussions: At some point someone will announce, in dire tones, that we have a ONE TRILLION DOLLAR deficit.
Anyway, we do indeed have a ONE TRILLION DOLLAR deficit, or at least we did; in fiscal 2012, which ended in September, the deficit was actually $1.089 trillion. (It will be lower this year.) The question is what lesson we should take from that figure.
What the Dr. Evil types think, and want you to think, is that the big current deficit is a sign that our fiscal position is completely unsustainable. Sometimes they argue that it means that a debt crisis is just around the corner, although they've been predicting that for years and it keeps not happening. (U.S. borrowing costs are near historic lows.) But more often they use the deficit to argue that we can't afford to maintain programs like Social Security, Medicare and Medicaid. So it's important to understand that this is completely wrong.
Now, America does have a long-run budget problem, thanks to our aging population and the rising cost of health care. However, the current deficit has nothing to do with that problem, and says nothing at all about the sustainability of our social insurance programs. Instead, it mainly reflects the depressed state of the economy — a depression that would be made even worse by attempts to shrink the deficit rapidly.
So, let's talk about the numbers.
The first thing we need to ask is what a sustainable budget would look like. The answer is that in a growing economy, budgets don't have to be balanced to be sustainable. Federal debt was higher at the end of the Clinton years than at the beginning — that is, the deficits of the Clinton administration's early years outweighed the surpluses at the end. Yet because gross domestic product rose over those eight years, the best measure of our debt position, the ratio of debt to G.D.P., fell dramatically, from 49 to 33 percent.
Right now, given reasonable estimates of likely future growth and inflation, we would have a stable or declining ratio of debt to G.D.P. even if we had a $400 billion deficit. You can argue that we should do better; but if the question is whether current deficits are sustainable, you should take $400 billion off the table right away.
That still leaves $600 billion or so. What's that about? It's the depressed economy — full stop.
First of all, the weakness of the economy has led directly to lower revenues; when G.D.P. falls, the federal tax take falls too, and in fact always falls substantially more in percentage terms. On top of that, revenue is temporarily depressed by tax breaks, notably the payroll tax cut, that have been put in place to support the economy but will be withdrawn as soon as the economy is stronger (or, unfortunately, even before then). If you do the math, it seems likely that full economic recovery would raise revenue by at least $450 billion.
Meanwhile, the depressed economy has also temporarily raised spending, because more people qualify for unemployment insurance and means-tested programs like food stamps and Medicaid. A reasonable estimate is that economic recovery would reduce federal spending on such programs by at least $150 billion.
Putting all this together, it turns out that the trillion-dollar deficit isn't a sign of unsustainable finances at all. Some of the deficit is in fact sustainable; just about all of the rest would go away if we had an economic recovery.
And the prospects for economic recovery are looking pretty good right now — or would be looking good if it weren't for the political risks posed by Republican hostage-taking. Housing is reviving, consumer debt is down, employment has improved steadily among prime-age workers. Unfortunately, this recovery may well be derailed by the fiscal cliff and/or a confrontation over the debt ceiling; but this has nothing to do with the alleged unsustainability of the deficit.
Which brings us back to ONE TRILLION DOLLARS.
We do indeed have a big budget deficit, and other things equal it would be better if the deficit were a lot smaller. But other things aren't equal; the deficit is a side-effect of an economic depression, and the first order of business should be to end that depression — which means, among other things, leaving the deficit alone for now.
And you should recognize all the hyped-up talk about the deficit for what it is: yet another disingenuous attempt to scare and bully the body politic into abandoning programs that shield both poor and middle-class Americans from harm.


September 3, the US open should we worry for Murray? Andy Murray is still ranked third favorite by Betfair in the US Open. 2014 5:28 am No Comment In spite of a recent decline in form,1.44 2.78 1 12:00 Futures Davydov I. Free Tennis wimbledon day 7 betting tips picks, free Tennis Tips Kick-off League Game 1 2 Pick Result Status 20:05 ATP, 3.00 1.36 2 Last picks: - Free Tennis predictions, - Thompson J. Houston Galan Riveros D. - Hamou M.18, nEW CUSTOMERS, are you passionate about the sports betting world? T wimbledon day 7 betting tips C APPLY BETTING NEWS FOOTBALL TIPS SOCCER PREDICTIONS. Bet on football games? You bet?
Europa League Group E 19:00 Atalanta Lyon Tip : BTS Yes Odds : 1.59 (10Bet) Result: 1:0 LOST Europa League Group B 19:00 Dynamo Kyiv Partizan Tip : Over 1.5 Goals. Odds : 1.30 (Betfair) Result: 4:1 WIN! Europa League Group H 21:05 Arsenal BATE.
USA: Wimbledon day 7 betting tips!
FIXED MATCH 100 SURE FIXED MATCH 2/1 ( 35.00 ODD.) and there is no chance for lose. ) On we have one 100 sure fixed wimbledon day 7 betting tips match! Match is send direct from info who is with contact with club players, one fixed match with 35.00 Odd.football predictions England League Two Lincoln 17:00 Cheltenham Town 1 1.69 @. Crewe Alexandra 17:00 Notts County 1 2.16 @ Tranmere 17:00 Milton Keynes Dons X 3.54 @.hockey, you can see my website live tv, without ADS. Watch withous ads. M Watch Firstrowsports now, football 15. All sport categories stream: Football, soccer, org/ Watch the best quality in all of sports matches On FirstRowSports, and other. Basketball, wimbledon day 7 betting tips http thefirstrowsports.
Gol tv, watch online tv, watch tv online, watch live football, watch Live wimbledon day 7 betting tips Online TV Channels, indian tv channels, tv live, live football online, pakistani tv, live Sports TV. Indian tv, live indian tv, tv channels, watch live, live online, tv online, pakistani tv channels, indian Tv, online tv channels, watch tv online, watch tv, sports tv, online tv, online watch, tv en ligne. Tv live, online tv, live football, live sports, pakistani Tv, football online, watch live, live sports, watch online,Our Over 2.5 Goals Betting Tips come from the INTERNATIONAL 2017Our Over 2.5 Goals Betting Tips come from the FIFA Confederations BETTING NEWS TIPS.
Best-tips1x2, soccer forecast predictions world cup 2019 betruch, betshoot, ballhelper, sat FIXED MATCH 2/1,1/2 DATE HALF TIME FULL TIME 2/1,1/2,7 all questions on my mail. Comments Off on Lewandowski-Bet Private-Tips. Best-tips1x2, ballhelper, betruch, sat By admin Posted in Uncategorized Tagged, betshoot, whatsApp, telegram By admin Posted in Uncategorized Tagged, dzeko-info.info wimbledon day 7 betting tips Free Matches. Fixed Match. Dojave. Analize. Namjestene Utkamice. Free Fixed Matches have monthy subscription. Singles 1 x 2 Goals. Analyzed Match. Free Fixed Matches. This matches is analyxed matches with all info for this match. Dojavi.
You are value betting your wimbledon day 7 betting tips hand when you think it is ahead of your opponent's range of hands. To be more specific, so, even if you get called by a hand in the top of your opponent's range that has you beat,soccer Pesa is the best online wimbledon day 7 betting tips services who provide betting tips.Many soccer fans and football fanatics are searching for reliable sources for free betting tips or premium betting l that is for one MAKE MONEY.preview and Betting Tips by League wimbledon day 7 betting tips - m. Soccer Prediction,sure Win wimbledon day 7 betting tips Soccer Predictions Today and Tomorrow, our Main ADVANTAGES 100 genuine soccer betting tips records with all tips submitted a copy to an independent company online. Top Sure Win Soccer Tips and Prediction Site in the World - ccer.
When it comes to placing bets on matches in lower ranked tournaments (challengers you should know wimbledon day 7 betting tips if the participating players are only testing their own fixed betting tips 1x2 performance before a bigger tournament,) or if they are ready to give everything for the win.


text:
Home » CINEMA, DIGITAL GYM BLOG, EVENTS, EVENTS » LAST CHANCE INDIES: RBG (July 27 – August 9)
on July 27 – August 9
LAST CHANCE INDIES: RBG (July 27 – August 9)
'RBG' is an intimate portrait of the iconic judicial heroine Justice Ruth Bader Ginsburg. With unprecedented access, the filmmakers explore how her early legal battles changed the world for women.
At the age of 85, U.S. Supreme Court Justice Ruth Bader Ginsburg has developed a lengthy legal legacy while becoming an unexpected pop culture icon. But the unique personal journey of her rise to the nation's highest court has been largely unknown, even to some of her biggest fans – until now. 'RBG' explores Ginsburg's life and career. From Betsy West and Julie Cohen, and co-produced by Storyville Films and CNN Films.
"This woman is a force, and the great service this clear-eyed and admiring documentary provides is to emphasize not just Ginsburg's work on the court but how extraordinarily influential she was before she even got there." – Los Angeles Times
"The movie's touch is light and its spirit buoyant, but there is no mistaking its seriousness or its passion." – New York Times
"A celebration of the scrunchie-wearing octogenarian not just as a pop-culture folk hero and millennial meme but as a wife, a warrior, and a true iconoclast, famed for her fierce legal mind and the cutting wit of her dissenting opinions." – Entertainment Weekly
"This is more than just the predictable story of who Ginsburg was and who she has become. It's also a monument to the formal written legal legacy that transcends her own life story and changed a nation." – Slate
Rating: UR
Directors: Betsy West, Julie Cohen
Friday, July 27: 1:00, 4:30, 8:30
Saturday, July 28: 1:00, 5:00
Sunday, July 29: 11:00AM, 6:00
Monday, July 30: 1:30, 5:30
Tuesday, July 31: 1:00, 5:00
Wednesday, August 1: 11:00AM, 3:00, 7:00
Thursday, August 2: 1:00, 5:00
Friday, August 3: 11:00AM
Saturday, August 4: 1:05, 9:10
Sunday, August 5: 3:05, 9:10
Monday, August 6: 11:00AM, 7:10
Tuesday, August 7: 1:05, 9:10
Wednesday, August 8: 3:05, 9:10
Thursday, August 9: 11:00AM, 7:10
Buy Movie Tickets
$11 General Admission / $8.50 Students & Seniors / $7.50 Members. Tickets available at box office or online.
Only at Digital Gym CINEMA in North Park!
CINEMA INFO
info@mediaartscenter.org / 619-230-1938
2921 El Cajon Blvd
(Off 805 Freeway on corner of 30th Street and El Cajon Blvd)
About the Author: User Editor
« Previous Eating Animals (July 27 – August 2) The Other Side of Everything (August 3 – August 9) Next »
Upcoming Films & Workshops
Last Chance Indies: Framing John DeLorean (July 19 - July 25)
Be Natural: The Untold Story of Alice Guy-Blaché (July 19 - July 25)
German Currents Kino Presents: In the Aisles (July 19 - July 25)


This course is an introduction to the study and practice of Drama and is intended to build the confidence and composure needed for a live stage performance. No previous acting experience is required. In this class, students will learn proper vocal technique for live stage performance, the terminology of theatre, the process of preparing for a performance, and how to write a play performance critique. Performances will include both individual and duo or group assignments. All performances for this class take place in the classroom, not for the general public.
This course is a continuation of Creative Drama F, and the skills learned in the previous course are fundamental to success in the spring semester. All Creative Drama (S) students will perform in the Spring Theatre Arts Showcase for the general public. Students will engage in the entire theatre performance process, from auditions to script analysis, rehearsal, performance and reflection. In addition to preparations for the Spring Showcase, students will also study the history of Broadway and American Musical Theatre as well as audition techniques that will prepare them to audition for Intermediate and Advanced Drama, the fall play, the musical as well as community theatre or college admission.


← Calling the wireless carriers: Is price really a game changer?
It's not easy to go head-to-head with industry heavyweights that command a particular market segment. That's especially true in the household cleaning industry, where major brands truly outshine and out-sparkle the competition.
But that didn't stop one of our clients from trying to compete with the Swiffer family of products. A leading cleaning products manufacturer in the US, our client was known for its wide variety of household products, but the folks behind Swiffer had beaten them to the punch with their lineup of innovative cleaning solutions.
With a huge desire to mop the floor with the competition, our client wanted to launch a product that competed directly with Swiffer. But simply launching a competing product with the same offering wouldn't be enough – especially given Swiffer's market share and strong brand recognition.
So the manufacturer came to MaCorr and asked us to employ our Gap Finder and Concept Testing market research techniques.
Through our Gap Finder process, we pinpointed the gap that exists between what would-be Swiffer users deem most important about a product and the reality of what Swiffer actually delivers.
After narrowing down the gap, we took the rough, sketched out idea, and then tested and analyzed its potential. Our testing process included features expectations analysis, packaging and logo testing, name and USP assessment, and even at-home testing.
The result? Our client has successfully launched their product, which you can find in major retail chains – not to mention in clean homes all over North America.
This entry was posted in Research Articles, Research Findings. Bookmark the permalink.


text:
The Helmholtz-Office Moscow
The Helmholtz Association strongly supports the Federal Government's consistent action against Russia's attack on Ukraine, which is in violation of international law. We regard the Russian invasion as an attack on the fundamental values of freedom, democracy and self-determination, which in turn provide the basis for academic freedom and opportunities for academic cooperation. Helmholtz will discuss further steps in this crisis situation in close consultation with the Alliance of Science Organisations as well as with the Federal Government and other political decision-makers.
At this time, it has been agreed with the Federal Ministry of Education and Research (BMBF) that scientific partnerships with state institutions and commercial enterprises in Russia are to be brought to an immediate halt until further notice, that German research funds are no longer to be used for the benefit of Russia, and that joint scientific and research policy events will not take place. New cooperation projects are not to be initiated at present.
For this reason, our solidarity also goes out to our employees at our office in Moscow as well as our long-standing Russian cooperation partners and scholars who are themselves horrified at Russia's invasion of Ukraine. Helmholtz Association, diverse and united in its commitment to science, stands for peace and dialogue.
Helmholtz has maintained close and good relations with Russian science for many years. For example, we cooperate with Russian research institutions in the construction of large infrastructures, such as the particle accelerator FAIR in Darmstadt or the X-ray laser European XFEL in the Hamburg region.
The Helmholtz office in Moscow was opened in 2005. Since then, it has been expanding existing collaborations and new strategic networks. Our staff in Moscow organize events and visits, provide advice and support to networks and young researchers, for example through the Helmholtz-Russia Joint Research Groups program.
The Helmholtz Office promotes the transfer of new technologies and the mutual exchange of young scientific talent.
WeiterlesenWeniger lesen
Helmholtz at a glance
Facts and figures about Germany's largest research organisation
Helmholtz Centers
Bilderansicht
Alfred Wegener Institute, Helmholtz Centre for Polar and Marine Research
CISPA
CISPA - Helmholtz Center for Information Security
Deutsches Elektronen-Synchrotron
DZNE
German Center for Neurodegenerative Diseases
GEOMAR Helmholtz Centre for Ocean Research Kiel
GSI Helmholtz Centre for Heavy Ion Research
Helmholtz-Zentrum Berlin für Materialien und Energie
Helmholtz Centre for Infection Research
Helmholtz Centre for Environmental Research
Helmholtz-Zentrum Hereon
Helmholtz Munich
Max Delbrück Center for Molecular Medicine
Zurück blättern
Weiter blättern
So neugierig wie wir? Entdecken Sie mehr.
Menschen bei Helmholtz


All material on this website is provided for informational and educational purposes only. It is not meant to treat, diagnose, or prescribe. The information provided is not intended as a substitute for the advice provided by your healthcare professional or physician. Always consult your medical doctor before starting a new protocol.


Gorgeous contemporary duplex in Central Lonsdale on 3 levels of luxury living with open plan developed by award winning BOLDER HOMES in one of Lonsdale's finest locations. This 5 bdrm, 4 bath green-built half duplex offers approximately 2700 sq.ft of living space with high end finishings such as stone counters, hardwood floors, Bosch appliances, on-demand hot water, large kitchen & family room with french doors opening onto a covered patio & fenced yard & lane, master bedroom with spa-like ensuite, A/C with heat pump, HRV, exterior insulation, drain water recovery, garage with open parking & storage. BONUS lower level has 2 bdrms, 1 bath & rec room/media room with separate entrance perfect for in-laws or students. Enjoy the comfort of a 2-5-10 year New Home Warranty.


for fun, while some bet for their favorite teams for the money. Well, it doesn't matter what their reason is, it is essential to note that betting on sports without proper comprehension of the sport as well as its odds is suicidal.
In every sports betting game, checking out the sports betting odds is a really crucial move to take. Naturally, sport betting odds is considered the most common form of betting in the world, plus it basically involves predicting whether an outcome will happen or otherwise. So, to consider odds betting, you must place your bet at certain odds which relate directly to the percentage probability that this predicted outcome will happen. Many experts have said that the lower the sports betting odds, the more likely it truly is that the outcome could happen. Its not surprising then that this outcome with the lowest odds is regarded as the favourite.
Maybe you have heard about the odds makers. Basically, in sports betting, there are odds makers are the ones who take into consideration every possible thing that might affect the outcome of a selected event or game. The sports betting odds are then identified by way of the odds makers by means of considering several factors of the game, like the quality of the teams or participants, the injuries, edge to win, weather and condition in the field, place of the event, match-up history, plus much more.
When all of the factors are viewed and ever detail is given close attention, the maker of the sports betting odds usually form a number that will be acceptable to both sides of the bet. To put it simply, the number is considered dependant on its quality to attract enough attention on every side of the bet. So, if for example, almost all of the bets fall in one particular side of the bet, the initial number chosen by the sports betting odds number was perhaps not a high quality one. That's where actually the sportbooks appear in to adjust the line up or down in order to encourage people to try and bet on the other side.
The sports betting odds are also determined by the odds makers by checking out the day to day information about the big event or game. The details will then be used to adjust spreads as the season progresses. Also, the essential digits are calculated and analyzed before season on the game starts. Along with this, it will be the task of the sports betting odds makers to consider the seasons numbers of the previous events, like the off-season moves and transactions, health of the players, changes on coaching, along with other necessary information.
These factors are then combined together by using a series of special formulas in order to form exactly what the people commonly call as "power rankings". The power ranking of every sports betting is often changed or adjusted based on its overall performance. And, the resulting number is utilized to help determine the spread.
One main fact to note with regards to the makers of sports betting odds is that they will not actually let you know that their job is not to calculate an outcome of an event. They rather divide everyone as who it thinks will win. So, before you consider betting on sports, aim to conduct some research of the sportsbooks you bet at, and check the odds.


Marjorie Treadwell is fighting the odds.
The Pelican Bay resident knows elders are prone to falls, which can often snowball into serious health problems. The 90-year-old doesn't intend that to be her destiny.
A few weeks ago, Treadwell began a brain rehabilitation program that uses a computer-based interactive metronome to improve her gait — and confidence — to stave off falls.
"This is the gym for the brain," said Amy Owler, assistant director of rehabilitation at the Glenview at Pelican Bay.
An independent living community, the Glenview last year bought an interactive metronome, a computer-based rhythm program, to use with patients in its nursing and rehabilitation center. The goal is to improve patients' motor skills, their ability to focus and filter out distractions and improve physical stamina after a fall or stroke.
Recent studies show the program may also help people with Parkinson's disease.
Developed 20 years ago to help children with learning disabilities and attention problems, the interactive metronome is increasingly being used with older adults to improve brain neuroplasticity, the brain's ability to change and learn, said Kelly Coleman, an occupational therapist at Premier Place, the 35-bed bed rehabilitation center on the ground floor of Glenview.
The program involves cowbell rings set to a rhythm that a patient listens to in headphones. Exercises are designed around clapping or taking steps in sync with each bell ring. The key is repetition.
To improve a patient's gait, sensors are placed in the patient's shoes and he or she tries to take steps or tap a sensor pad at the same time as each ring The repetition leads the brain to adapt to improve motor planning and sequencing.
Treadwell signed up strictly as a prevention measure against falls, but the therapists found she occasionally crossed one foot in front of the other while walking.
"We have her do different exercises to challenge her timing and rhythm," Coleman said.
After a few weeks, she already feels more confident her walking has improved. Her tendency of crossing one foot over the other has been replaced with a focused stride.
The program may have even boosted her golf game.
Bette Massie, who is "over 50," was forced to use a cane after a fall in February. She started out wanting to improve her cognitive ability, but the interactive metronome also has helped her balance.
In one exercise, she moves her hands in a small circle and claps with each cow bell ring. She started the program sitting down but now stands. Another exercise involves taping a foot sensor, alternating her feet, to each ring.
It's hard to visualize how the interactive metronome will help, Massie said, but she has seen a difference in a few weeks.
"My endurance was very poor and now I can stand a long time," the Naples resident said.
Since Glenview spent $6,000 for the program last year, 10 to 15 patients have gone through programs of three sessions a week for four to six weeks. So far, most of the clients have not been patients of the rehabilitation center but are "outpatient" clients who live in Glenview or have been referred from doctors. The center will accept patients from the community.
Medicare will cover the expense with a physician referral, Owler said.
The aim with stroke patients is to get the side of the body that has been impacted by the disease to be more in tune with the side of the body that has not been effected.
While it may seem like people with Alzheimer's disease should benefit, that is not the case because of the progressive nature of the disease, she said. With Parkinson's disease, though, patients have the mental capacity to absorb and make changes to their brain functionality.
How long someone with Parkinson's disease needs to use an interactive metronome depends on the severity of the disease, Coleman, the occupational therapist, said.
Studies show varied results with Parkinson's patients. A 2010 study that involved a randomized study with 42 participants did not show dramatic improvements in mobility and daily living functionality, but the British authors added the caveat that the program may very well improve patients' quality of life, given extensive training.
Another study done in California, and underwritten by the Florida-based Interactive Metronome, involved 36 patients, with one group getting training and the other being a control group.
The results found both groups made improvements but not significantly, according Dr. Daniel Togasaki, the study author, at The Parkinson's Institute in Sunnyvale, Calif.
"These results suggest that computer-based motor training regimens might be useful for improving or retaining motor functions in Parkinson's disease." he wrote.
In due time, the therapists at Glenview's center plan to network with local Parkinson's disease support groups and geriatricians to promote the program.
So far, patients have been happy with their results, Coleman said.
"To hear that it is improving the quality of life, that is the ultimate goal," she said.


text:
Neobrachiella sciaenophila är en kräftdjursart. Neobrachiella sciaenophila ingår i släktet Neobrachiella och familjen Lernaeopodidae. Inga underarter finns listade i Catalogue of Life.

Källor

Hoppkräftor
sciaenophila


Brand campaigns can be both innovative and targeted. With FMCG email marketing campaigns, companies are using a database of consumers to develop a one-on-one relationships with them before they enter the supermarket. 'Owning' the consumer relationship directly makes it far more effective and efficient to drive repeat sales. For example, future promotions can be marketed in a far more targeted way – particularly for those who subscribe with postcode data. Consumers can be informed of the next retail promotion in their area. Since these subscribers have opted in to hear from the brand from previous promotions, they're far more likely to buy again – especially if they're directed to a supermarket near them.
If you rethink email as an owned consumer database, the value for both marketing and sales becomes much clearer. FMCG brands are now using promotions to build their 'owned' email database. By capturing consumer data submitted during promotions, that paid and earned media is fulfilling an extra goal on top of brand awareness and generating sales – by building your 'owned' email subscribers. That doubles the value of your promotion and the associated marketing of the promotion, especially if you use email as a highly personalised media channel (one that you have much greater control over).
FMCG brands are traditionally built using mass TV advertising to drive retail sales, supported by promotional marketing. So why does online work so well for the FMCG industry?
Apart from being more measurable and therefore accountable, it directly engages the consumer to build greater levels of brand awareness and advocacy.
New product development is much more effective as you simply ask your consumers what they want.
Digital enables ongoing connection using a range of channels and platforms – via social media and CRM, and useful services and utilities delivered on mobile. This enables personalised dialogue across multiple subject areas, bridging audience passion points with the business objectives.
The FMCG sector has become the joint biggest spender in online advertising, focusing on creating engaging content that creates a connection before the customer steps into the supermarket.
Find out how to leverage digital for cost effective reach and engagement.


The online revolution has opened up a lot of opportunities for businesses across the world. Now with a website in place, you can add wings to your existing business or start and make it big only on the internet. But with more than a billion websites on the internet, the competition is stiff, and not everyone is doing brisk business. To succeed in the online arena, you need to have in place a smart online strategy for your website. And, one factor that will determine whether you will succeed or not in this competitive environment is the kind of content you create for your website. After all, it is not for nothing that content is considered the king.
With competition on the rise, you cannot rank higher on the search engines if you don't have a flawless content marketing strategy in place. So, if you want to avoid committing common content marketing mistakes, then this piece is for you. Read on to find out how you can avoid making common content marketing mistakes.
But before getting into the content marketing mistakes, let us try to understand what is content marketing.
Content marketing is a method that focuses on generating and distributing relevant and valuable content to attract and retain a specific audience which helps drive profitable customer action.
Customers these days have become smarter and intelligent. Slowly and gradually, traditional forms of marketing are becoming less and less effective. Therefore, to remain relevant these days, you need to move on to methods that are more effective and productive. And, content marketing is one of the most effective ways of delivering your message to your target audience.
In this form of marketing, you don't need to promote your products directly. What you do is offer relevant and useful content to your customers and prospects which help them solve their problems.
It is for this reason that experts believe that this form of marketing is so effective. Therefore, what you need to do as a marketer is to make sure that your content marketing strategy is current and without any flaws.
Thanks to the technological advancements and the growth of social media, a lot has changed over the years in the content marketing industry. Whether you are a small business house or a big conglomerate, content marketing is the best way of reaching your target audience. Content marketing is not just effective, but it is affordable as well.
But you cannot get good results if your content marketing strategy is flawed. So, if you want to increase user engagement, then you need to make sure that you avoid making common content marketing mistakes.
1. Not having a long-term and definite plan – It is important for every business to have a long-term strategy in place for the success of the organisation. And, when you have a long-term strategy for everything, there is no reason why you should not have one for your content marketing. But on many occasions, it is seen that businesses don't have a concrete content marketing plan in place. It is a flawed strategy to plan just a few blogs and pages for your website.
You need to have a robust content marketing plan in place which should be on a piece of paper. You need to ensure that your content adds value to your customers. You also need to make sure that you track the responses of your customers so that you can make necessary changes to your content to increase user engagement.
2. Doing inadequate research on the type of content your audience wants – If you don't know what your audience wants, you are in for trouble. And, when you don't do adequate research on the kind of content your audience wants, then it is a problem because consumers these days are not just smart, they are also very intelligent. You need to know the pulse of your audience. You should know what your readers would like to read about your business. You need to ensure that your content relates to the business you do.
The best way to find out what your customers like is to do thorough research on what your audience wants. What you should do is start thinking from the consumers perspective and don't just develop content that you like. For instance, if you specialise in SEO, and you start writing too much on PPC, then it not going to bring in the desired results.
It is wrong to think that irrespective of the kind of content you create, your traffic would keep on increasing. It always pays to find out the interest of your customers first. And, to know more about your customers, you can visit Facebook's Ads Manager, and then click on Audience Insights. Select the audience type, and then go to the interest section to decipher your customers likes and dislikes.
It becomes easier for businesses to develop quality content when they know about the interests of their customers.
3. .Misquoting facts and figures – If you start misquoting facts and figures in your content, then it is a serious issue. It is difficult to take people for a ride in today's times, especially when there is no dearth of information. You should always cross-check your facts and figures before publishing your content. Always pick up the facts and figures from reputed sites.
One thing that is difficult to earn is trust. And, once people lose faith in you, then it is very difficult to bring them back. So, if you want to succeed in your content marketing strategy, then you should never misquote facts and figures.
4. Don't run after quantity, instead focus on quality – Another mistake people tend to make is trying to run after quantity over quality. If you keep on creating content that is not relevant to your audience, it will not work well for your content marketing strategy. Backing up your content with weak references also does not work well for your content marketing strategy. Also, restating what has already been stated in a blog before doesn't work well for your content marketing strategy.
Hence, make sure that you concentrate on quality instead of quantity. And, one of the best ways of creating quality content is to try and learn more about the behaviour of your audience. You get better results when your readers like and share your content.
Therefore, don't just run after filling up the pages. Make sure that you concentrate on developing high-quality content for your audience.
5. Not producing content that is evergreen – Content that remains relevant for a long time is referred to as the evergreen content. Try and write content on topics that you think will remain relevant to your readers and drive traffic to your site for years. For example, you can write something on SEO or social media which are evergreen topics.
Don't keep writing on the trending topics alone, make sure that you write something on topics that are evergreen as well. But ensure that you comprehensively cover the evergreen topics.
6. Using content in only one form – If you think that producing content only in the textual form and adding one image to it makes your content great, then you are wrong. People these days want more than just text and one image. Therefore, make sure that you add videos and infographics to your content wherever you can to make it more engaging.
The video is the new in-thing on the internet. Customers tend to engage more with content that is in the form of video and infographics. The reason why videos and infographics appeal more to the readers is that our brain processes images and visuals faster than content that is in textual form.
7. Lacking professionalism – It is important that you write your content professionally. It reflects poorly on your business if there are grammatical errors and spelling mistakes in your content. You need to ensure that your content has no grammatical errors, it is credible, engaging, relevant, and interesting. You should, therefore, consider hiring professionals to write your content.
Therefore, if you want to climb the success ladder in the online arena, you should ensure that you don't make these common content marketing mistakes.
Alternatively, to improve your content marketing strategy, you can get in touch with vStacks Software Solutions now.
vStacks Software Solutions is a digital marketing services company, and we are a one-stop shop for all your online marketing, hosting, and development needs.


text:
Free breadsticks during a coronavirus outbreak [UPDATED]
Before you drown your anxiety about the coronavirus in a bowl of Never Ending Pasta, consider this: in most states, the staff at Olive Garden does not receive paid sick leave. That means if anyone working at the restaurant feels sick, they could be forced to choose between staying home and paying their rent.
The Olive Garden is one of the restaurant brands operated by Darden. The company employs about 170,000 hourly restaurant employees across 1779 restaurants in the United States, making it one of the largest full-service restaurant operators in the country. Except where required by law, Darden does not provide any of its restaurant employees with paid sick leave. Currently, just 11 states and DC — along with a handful of cities — require employers to provide paid sick leave.
The Center for Disease Control's coronavirus guidelines recommends employers "actively encourage sick employees to stay home" and "ensure that your sick leave policies are flexible."
A manager at the Olive Garden in Falls Church, Virginia, told Popular Information that, despite the coronavirus outbreak, the company would not pay employees who call out sick for work. The manager instructed a server not to "engage in a conversation" with this reporter about Olive Garden's policy.
None of Darden's media representatives responded to an email from Popular Information. But Darden employees around the country were willing to share their experiences.
A server at the Indianapolis Yard House, another Darden restaurant chain, told Popular Information that restaurant staff "do not get paid sick leave" and get "written up" if they fail to call in sick at least two hours in advance. According to the Indianapolis-based server, since the coronavirus outbreak, the company sent out a message encouraging sick employees to stay home. But it has not offered to pay these employees for missing time. The server has observed many coworkers reporting to work sick because they could not afford to miss a shift.
An Olive Garden server reports that, at a North Dakota location, employees are "not allowed to stay home sick" unless they can find someone to cover their shift or produce a doctor's note. But many of the workers lack insurance to see a doctor. In December, the server says, several members of the staff worked with a persistent cough.
A former Olive Garden server in Arizona, who recently quit, also said there was no pay for missed shifts. Did the server observe people coming into work sick as a result?
All of the time. If you couldn't get your shift covered and called in sick, they would typically try to get you to come in anyways, and if you stayed home, you would lose shifts in the future.
An employee who worked in Kentucky at Cheddar's Scratch Kitchen, another Darden restaurant chain had a similar experience. "I remember times when people came in with flu, strep, common colds. Many times people wouldn't go to the doctor because most of us didn't have health insurance," the former employee said.
Lobbying to keep sick workers from getting paid
The lack of mandatory paid sick leave in the United States makes the country particularly vulnerable to disease outbreaks like coronavirus. "Studies show contagion can really be contained with paid sick leave. People cannot stay at home and self-isolate if they are going to risk their jobs by doing so," Sherry Leiwant, co-president of A Better Balance, said.
A 2012 study found "the lack of workplace policies such as paid sick leave led to 5 [million] extra flu-like illnesses during the H1N1 swine flu outbreak of 2009." A 2018 study found that, in cities that implement mandatory paid sick leave, flu rates plummet by nearly 50%.
According to the latest data from the Bureau of Labor Statistics, 55% of workers in the "accommodation and food services" industry have no paid sick leave.
One reason why so many restaurant workers lack paid sick leave is that companies like Darden are spending millions to prevent the passage of paid sick leave laws. Even as the coronavirus spreads in the United States, Darden, Outback Steakhouse, McDonald's, and other large employers are lobbying for a Florida law that would block cities from implementing their own paid sick leave requirements.
In 2016, Darden, McDonald's and the National Restaurant Association successfully lobbied for a law that prevented cities in North Carolina from passing mandatory sick leave legislation.
The danger of short-term thinking
Darden's refusal to pay its employees for sick leave saves the company a few dollars in the short-term but could backfire. The company's own SEC filings cite "health concerns arising from food-related pandemics, outbreaks of flu viruses or other diseases" as a major risk factor for its business.
If a virus is transmitted by human contact, our employees or guests could become infected, or could choose, or be advised, to avoid gathering in public places, any of which could adversely affect our restaurant guest traffic and our ability to adequately staff our restaurants, receive deliveries on a timely basis or perform functions at the corporate level… Additionally, jurisdictions in which we have restaurants may impose mandatory closures, seek voluntary closures or impose restrictions on operations. Even if such measures are not implemented and a virus or other disease does not spread significantly, the perceived risk of infection or significant health risk may adversely affect our Business.
The financial risk is not theoretical. The company was forced to pay out a substantial settlement in 2011 when a worker with Hepatitis A allegedly exposed thousands of customers.
[A] server in a Fayetteville, North Carolina, Olive Garden worked while ill with Hepatitis A, potentially exposing thousands of customers. With Darden's policy of not providing earned sick leave, and with the minimum wage for servers in North Carolina being $2.13, the server likely could not afford to take a day off despite her illness. The Cumberland County Health Department called in thousands of area diners to be tested for Hepatitis A. After several thousand of these consumers filed a class-action lawsuit, Darden settled the case by creating a $375,000 fund to compensate the consumers.
The company could certainly afford to provide its employees with paid sick leave. It already does so in 11 states and DC. In fiscal year 2019, the company brought in $8.5 billion in revenue. It had a total profit of over $782 million before taxes.
Darden did not have an issue improving the compensation and benefits of its CEO, Gene Lee. In 2018, Lee made $15.7 million, more than twice his 2017 salary. The deal included "a $1 million base salary, $2 million in bonuses and more than $12.3 million in stock option grants." Lee benefits package alone is worth $430,000 and includes "a company car, an executive physical, insurance, and reimbursements for financial counseling."
Lee's compensation was 871 times the median compensation for a Darden employee, which was $18,097.
Not all companies are leaving their paid sick leave policies unchanged during the coronavirus outbreak. Trader Joe's, which already offers employees paid leave, says managers will have the ability to authorize additional sick leave for any worker with a respiratory illness. (A union seeking to organize Trader Joe's says the new policy doesn't go far enough.)
Senator Patty Murray (D-WA) has proposed a more comprehensive solution. On Friday, she introduced legislation requiring "all employers" to "let workers earn 7 days of paid sick leave a year, and give them 14 paid sick days immediately in the event of a health emergency."
UPDATE (3/9, 8:15PM): About 10 hours after this piece was published Darden announced they would provide sick leave to all of their hourly restaurant employees.
Photo credit: Flickr, hattiesburgmemory
Any time you visit a restaurant, ask "Does this restaurant provide paid sick leave for employees?"
If no, then say "I can't afford to eat where sick people are forced to work" then leave.
If a million people do this, Paid Sick Leave will become standard.
Thank you so much for exposing one of the largest and most powerful lobbies in the country. Most restaurant workers employed work under conditions that haven't changed in years. The pay is horrendous with the paying public expected to pick up the majority of the burden via tips. Funny how no one sees that as a tax. As for no health care coverage, I might could see that as a stretch too far for small family restaurants but for the big chains it's inexcusable. Of course the ACA was supposed to fix a lot of this problem but we know that what's left of it, thanks to republicans, is now in front of the Supreme Court and like the Right to Choose, is in severe danger of being gotten rid of completely. The restaurant lobby is a millstone around the service industry and now could actually be a threat to the nations health. Why not ask yourself if you really have to eat out now as much as you're used to. By going home, opening a can of soup, grilling a cheese sandwich and adding a salad you made might save your life or the life of someone dear to you. Stop feeding the fat cats in the house until they clean up their act.


Track hashtags and phrases. Monitor globally or your network specifically. Combine and exclude keywords into sophisticated queries.
Identify key topic influencers (people who contribute to the particular topic the most).


When a group of students from the Sejong University in South Korea wished to participate in a design show in Tokyo, it was the Carry Home Project that got them there. Firstly, the clever creation of pop-up furnishings was what drew exhibit visitors to their tiny shipping container kiosk, but more impressively, this booth actually served as their home away from home.
The young exhibitors could not afford to stay in a hotel in Japan, so each of them brought either a closet, a table, a lounger, a hanging storage system or a shelf, made from corrugated plastic and capable of being folded up into the portable dimensions of airline-acceptable luggage in the form of the Carry Home Project.


text:
Previous ArticleMoney20/20 Europe 2017 show reportNext ArticleHow to drive cross-border e-commerce growth
Cash: still king after all these years
How cash is evolving to remain relevant in the payments ecosystem
Revolutions come and go, but the important ones create a legacy that lasts for decades. When John Shepherd-Barron and his team at De La Rue Instruments Ltd. invented the modern automated teller machine, they may not have been aware of the profound impact their invention would have on the world. But exactly fifty years since Barclays opened the first ATM at its Enfield branch on 27th June 1967, their invention remains a vital component of the fabric of our global economies. Three million machines later, the ubiquity and self-serve convenience of the ATM are keeping cash at the centre of consumer spending; key drivers for commerce and financial inclusion everywhere in the world, according to a report by the ATM Industry Association.
That fact has many ongoing implications for businesses of all kinds and sizes – not least as an indicator of the critical role that cash still plays in the evolution of the digital financial landscape. For years, we've been reading stories about the imminent death of old-fashioned hard currency. We're all going to be spending money via digital wallets and smartphone apps, according to this narrative, and physical notes and coins will quickly become obsolete in the process. Endless studies appear to show that the cashless society is indeed nearly upon us; one recent survey commissioned by ING's eZonomics website showed that more than a third of Europeans and Americans would willingly forgo cash in favour of digital alternatives.
Such studies conveniently ignore key facts about the role of cash in our societies. It's still a major force in every country; it's still the most popular payments mechanism in the US, according to the PYMNTS.com Global Cash Index, especially among low-income families. 45% of UK payments were made in cash in 2016, says a recent Payments UK report, and 79% of UK consumers say that they would never go completely cashless. Growth in cash payments is forecast across many European countries between now and 2020 – more than 22% in Italy alone, according to the same source. And in Kenya, home of the M-PESA mobile payments system, cash still accounts for 98% of the value of all transactions. Reports of cash's death are clearly very wide of the mark indeed.
Cash has many clear benefits for parties on both sides of a retail transaction. It's very quick. It's private and largely anonymous. It authenticates itself pretty reliably in most cases. It works the same way regardless of where you live. To many consumers and savers in our post-2008 crisis world, it can still seem like the safest option; physical money is money that you own and control, a fact likely to make it even more attractive in regions of economic uncertainty.
These facts seem almost too obvious to mention. But they're all part of cash's growing relevance to the digital payments world. That relevance grows significantly when you consider what a convenient mechanism cash is for getting funds into the very digital wallets and apps that the survey brokers claim will replace it. That's been the key to the success of Kenya's M-PESA, the world's most successful mobile payments and transfers initiative, now used by more than two-thirds of the country's adult population.
Today's fintech revolution is enabling cash and digital to merge in a variety of other innovative ways. Pre-paid cards and vouchers bought from retail outlets, in particular, allow consumers to pay for a huge variety of goods and services online by simply entering the card's unique PIN number. Our own paysafecard has been pioneering in this area for many years, allowing shoppers to buy from over half a million online merchants including high-profile, mainstream brands such as William Hill, Spotify, Skype and Playstation. But paysafecard's tricks don't end there; it can also be used to top up Skrill digital wallets and smartphone apps with fixed denominations, for example, without the need for bank transfers. It's cash made truly digital; a way for shoppers to spend money from their laptops or on their daily commute, without having to provide bank or credit card details to merchants.
Evidence of the value of services like paysafecard is growing rapidly, as other models emerge that blend cash and digital in similar ways. Amazon has recently launched a new cash-based service in the US, for example, allowing shoppers to operate bank-free accounts that are topped up with cash at participating retailers – thus opening the door to a large swathe of potential new customers who still prefer the convenience and safety of cash transactions.
Despite all this activity, cash remains a large and underserved niche. More than 2 billion people around the world still have no access to financial services, according to the World Bank; people for whom cash represents the only real option when it comes to dealing with money. That's exactly why Paysafe is working hard to ensure that it continues to superserve this currently underserved element of society; a core guiding principle for every aspect of our business, cash-based or otherwise, as we continue to lead the search for new and innovative digital payments applications. Whether it's dispensed by ATM technology that's now half a century old or managed by the digital wallets of the smartphone era, cash is still king – a fact that will keep it on the Paysafe roadmap for many years to come.
Cash online,
Cashless,
The value of cash in a time of crisis: how consumers are taking control
Jan 24, 2023 - As the cost of living continues to rise, many of us are scrutinising our spending and trying to find ways to budget more effectively. Here, we explore why cash is proving key – and how merchants can offer payments options that better meet consumers' needs and drive inclusivity.
Chirag Patel, President, Digital Wallets
Are women more financially excluded than men?
Mar 11, 2021 - Financial inclusion is a priority around the globe, but in many regions the divide between the percentage of men and women that are financially excluded is growing. So what can be done to close the gap?
Financial inclusion is a priority around the globe, but in many regions the divide between the percentage of men and women that are financially excluded is growing. So what can be done to close the gap?
Getting to grips with alternative payment methods
Apr 06, 2020 - COVID-19 forces us to change many of the ways we do things, including how we purchase goods and make payments. Knowing what payment methods are available is the first step to managing the new normal.
COVID-19 forces us to change many of the ways we do things, including how we purchase goods and make payments. Knowing what payment methods are available is the first step to managing the new normal.
How to keep new online customers after COVID-19
Jul 13, 2020 - Alternative payment methods such as digital wallets and eCash are key to the 18% of consumers that have spent money online for the first time during COVID-19 coming back after the end of the pandemic.
Alternative payment methods such as digital wallets and eCash are key to the 18% of consumers that have spent money online for the first time during COVID-19 coming back after the end of the pandemic.