These loans are the most common type available. The variable rate loan offers more features and flexibility than the basic or "no frills" loan, so the rate is usually slightly higher.
The extra options (for example a redraw facility, the option to split between fixed and variable, extra repayments and portability) should be taken into account when choosing your type of variable loan.
Repayments will vary as interest rates fluctuate.
These loans are set at a fixed interest rate for a specified period (usually one to five years). The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.
At the end of the term all fixed loans automatically revert to the applicable variable rate. At this stage you have the option to lock in another fixed rate for a new term, switch to variable or go for a loan where you split with a percentage fixed and the remainder variable.
Fixed rate loans typically have limited features and lack the flexibility of 100% variable loans. There may be early exit fees and limited ability to make extra payments.
These loans combine the features of various products and can have the security of a fixed rate loan and the benefits of a variable loan.
They can also combine a standard term loan and a line of credit. For example part of the loan can be borrowed at a fixed interest rate with the remainder on a variable rate.
These loans can be split into as many products as you want to reflect your personal circumstances.
Interest only loans involve you only paying the interest component on your loan for a specified period, and not the principal loan amount. Standard home loans typically include paying both the interest and a small amount of the principal loan in each repayment.
Interest only loans were originally intended for investors. Loan repayments are reduced with the rental income paying or coming closer to paying the mortgage. This gives greater control over cash flow and potentially frees up funds for other investments. However, they are now becoming more popular with owner occupiers who want or need to reduce their mortgage repayments for a period of time.
As the lending environment is always changing and legislation more rigorous, there have been changes across the Australian lending environment with the use of interest only loans. It is wise to chat with us before considering any type of interest only finance.
These loans are a great way to access the equity in your home to use for things like home renovations, investments or other personal purchases.
Repayments on a line of credit loan are determined by the interest rate applicable at that time. If you have sufficient equity in your home and your current loan structure doesn't allow for withdrawing your equity, you will need to make a separate application for a line of credit loan.
You have the added advantage of being able to make unlimited deposits/repayments as your repayments are not set. You must check the conditions of these loans as they are sometimes more expensive than standard products.
A reverse mortgage loan is a loan for people 65 years and over against the equity or asset value in their home, holiday home or investment property.
This equity can be taken out in a lump sum, through regular ongoing payments or a combination of both. Interest is added and no repayments are necessary.
The principal loan amount is not required to be paid back until the borrowers either pass away or leave the home. Legal advice is recommended prior to considering this type of finance.
Provincial Group can assist with structuring financing solutions for commercial and industrial development, residential property development and renovations.
We can organise construction and development finance to provide creative and strategic alternatives to traditional development finance to maximise the return on your investment.
If you're building a new home or planning major renovations to your existing home, a construction loan is generally the most appropriate funding option.
The difference between a construction loan and other types of loans is that a construction loan is drawn down in stages and not paid as a lump sum.
The drawdowns enable the builder of a home to finance the various stages of the construction process from the acquisition of land to the various stages of building.
These loans help those clients who have had issues with finances, mainly due to unexpected changes in circumstances, eg temporary unemployment or short term inability to pay debts. Provincial Group can identify the lenders who can match your personal circumstances. The value of your property and your capacity to repay will determine a non-conforming loan, however these loans can attract a higher than normal interest rate.
Working for yourself instead of a company or business is not always easy. Self-employed people may have irregular incomes and find it difficult to make time to organise their paperwork.
The banks' strict lending criteria make applying and securing a self-employed loan time consuming and overwhelming.
Provincial Group can help discuss your situation and offer you a range of borrowing options best suited to your needs.
A personal loan might be right for you if you want to fund the purchase of a car, boat, holiday or if you want to consolidate debt.
Personal loans may come with lower interest rates than credit cards, so funding a big expense or project with a personal loan could save you thousands of dollars on interest payments.
Debt consolidation is a process where all of your debts are rolled together into a single loan. Debt from personal loans and credit cards can be incorporated into your mortgage at a much better interest rate as home loans tend to have lower interest rates than other forms of credit. Consolidation will reduce your interest rate overall, and in this way save you money. Consolidation of your debt into your existing mortgage is most effective for larger amounts of money and should reduce the amount of your monthly payment. It also has the advantage of only having to make one payment per month.
A deposit bond is a guarantee to the vendor by an insurance company that they will receive their 10% deposit even if the purchaser defaults on the contract of sale. You, the purchaser, are able to prove this guarantee to the vendor by paying a small premium to the insurance company.
All purchase funds are paid at settlement. In the ordinary course of events, settlement takes place, the purchase price is paid in full and the deposit bond simply lapses.


I have a feeling that my ex-wife will file a 498A case against me. Please suggest how to defend myself against Section 498A.
You can give a complaint in the police for threatening you.take anticipatory bail from high court or sessions court. Keep ready all evidence defending you and against her keep a ready a witness to defend you.if she files immediately file a petition in the high court to quash the same with evidence and proofs saying it is false case.call me through phone consultation will explain you if you have any doubts.
By saying TALAK I can understand that you are muslim. In Muslim religion husband will get the divorce easily by spelling the words TALAK three times and attested by their Qaza. Once you get the divorce, there is no question of filing 498a or any related cases. Your wife can file maintenance case and as per your law, the maintnenace will be given only for 3 iddat period. Not more than that. Pay the maitenance.
1. You can give her Triple talaq in presence of Quazi and 2 witnesses.
3. If case u/s 498A is filed against you nothing to worry.
4. You can apply for bail and after passing of recent SC decision getting of bail is more easy now and getting arrested is more difficult now.
5. Once bail is granted the case u/s 498A IPC loses all its sheen.
Instead of pronouncing talak it is better to file a case for nullifying your marriage on the ground of threatening mental cruelty and harassing then only you will get legal sanctity for your separation. Or you can pronounce talak in 3 occasions or thrice at once.lodge a police complaint for threatening you against her and her family take recording of the threat and produce befor police and court.
you should give talaque and intimate it her via kasi/ maulavi. The talaquenama should be signed by witnesses.once the talque is given she should be provided with mehar amount ,and her "idat period "maintenance for three months.
If she has not filed the complaint now, later on after the talaque she will not be able to do that and you will be safe.
6. Once you get the FIR No., aply for anticipatory bail and contest the case accordingly.
Maintenance case under section 125 of crpc against you before family court.
So as per my opinion for your safegaurd, try to save the marriage. Think about her life too.
1. That ' I do not like my wife'' is not a ground for divorcing by way of pronouncing triple talaq on her. Triple talaq cannot be given without any rhyme or reason. There has to be a legally valid ground for pronouncing talaq.
2. She can file a case under section 498A at any time. In the even that the case is lodged against you, you may be arrested by the police in pursuance of investigation. She may name even your family members in her complaint. Apply for bail as soon as the case is registered so that you do not suffer the ignominy of arrest.
Dear Client,In that case you should inform the Higher Authorities about all of that and also take Anticipatory bail for that matter if feel free then contact us.
If you can cite a more viable reason than that you don't just like your wife you may proceed with pronouncing talaq and get the quasi to attest the talaqnama and that will put the matter to rest and save you from the consequences of the case under 498A.
However you will be still liable to pay maintenance to her during 3 iddat periods.
It is possible that she has already approached the police and therefore be prepared with anticipatory Bail to avoid possible arrest.
Talk to Advocate S J Mathew NOW!


This machine is a special purpose CNC deep hole drilling machine with high efficiency, high accuracy and high automatization, by metal chips external removing method (gundrill method), once continued drilling can replace drilling, boring and reaming etc. many machining procedure, and obtain the same machining accuracy and surface roughness. controlled by CNC system, not only has the machine single moving function, but also automatic cycle function. therefor it is suitable for both small and large batch production. This machine can drill through hole, blind hole and step hole, mated with special holders, it can also drill eccentricity hole and slant hole.
KND KND or GSK CNC system, manual pulse control box, vibration damper steady of drilling bar, chain plate type automatic chip conveyer,whole closed guard cover, centred lubrication station, special purpose coolant system, alarm light, tools, work light, levelers, oil temperature controller, hydraulic system etc.
FANUC 0i mate MD or SIEMENS 828D CNC system,drilling cutter and adapters, drilling oil, cutter grinder or grinding device, oil throwing machine, magnetic metal chips conveyer,air conditioner of electric control box, hydraulic tailstock, holders, headstock.
WDT small three-coordinate series is equipped with three-coordinate numerically-control system. Its knee-type worktable moves horizontally and vertically, so to finish the machining of coordinate deep hole assembly. It is suitable for deep hole processing of plastic molds, bars, heating plates, automobiles and machine parts and others, it can process 45# steel, die steel, alloy steel and other materials.


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All four novels in the New York Times best-selling Darkest Minds series--The Darkest Minds, Never Fade, In the Afterlight, and Through the Dark--are now available in one thrilling paperback boxed set. With gorgeous, fresh designs and exclusive bonus short stories from the perspectives of fan-favorite characters Liam, Vida, and Clancy, this collection will delight loyal fans and new readers alike, just in time for the major motion picture starring Amandla Stenberg and Mandy Moore.


text:
Graduate School of Engineering and Science
Life Long Academy
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Summer School for High School Students
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NQF-HETR Catalog
Student Development and Experience
Principles and Policies
History of the Rectorate
Sustainability at OzU
Our Gender Equality Plan
Academic Management
Faculty of Aviation and Aeronautical Sciences
Faculty of Architecture and Design
School of Applied Sciences
School of Languages (ScOLa)
Research at Özyeğin
OzU Institutional Repository
Publications Listed by Scopus
Publications Listed by Web of Science
International Cooperation & Exchange Programs
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LIFE AT OZU
Sectoral Education and Professional Development
Housing Fees
Application, Registration, Payment
Payment Methods and Refund
Systematic HSE
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Özyeğin University, Çekmeköy Campus Nişantepe District, Orman Street, 34794 Çekmeköy - İSTANBUL
Phone : +90 (216) 564 90 00
E-mail: info@ozyegin.edu.tr
Wifi Access for OzU Visitors
Legal Office
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Accreditation and Quality Assurance
Özyeğin University was officially founded.
Prof. Dr. Erhan Erkut was appointed as the Founding Rector.
The Faculty of Engineering was founded.
The Faculty of Economics and Administrative Sciences was founded.
The Faculty of Arts and Sciences was founded.
The School of Applied Sciences was founded.
The Graduate School of Engineering was founded.
The Graduate School of Social Sciences was founded.
The construction of Altunizade Campus was completed.
The first press launch event was organized.
The Center for Entrepreneurship was founded.
The Center for Energy, Environment and Economy (CEEE) was founded.
Özyeğin University's first TUBITAK Project "Investigation of Near-Field Radiative Transfer for Development of Thermo/Photovoltaic Power Generators" was accepted.
Financial Engineering Center was founded.
"10,000 Women Entrepreneur Certificate Program" started by Özyeğin University and Goldman Sachs.
The Faculty of Law was founded.
The School of Aviation was founded.
The Fit Startup Factory was launched.
The Çekmeköy Campus opened its doors.
Turkey's first Undergraduate Entrepreneurship Program was launched.
The German Law Application and Research Center was founded.
The Faculty of Architecture and Design was founded.
The first Commencement Ceremony was held.
Turkey's first Master's Program in Entrepreneurship was launched.
The Technology Transfer Office (TTO) was founded.
The Athletic Center was launched.
The first OzU Cup, Özyeğin University's sports tournament for high schools, was held.
Özyeğin University's first academic building and the Student Center building were awarded the LEED Gold Certificate.
The School of Languages was founded.
The first Summer School for High School Students was launched.
School of Languages (ScOLa) building was launched.
Turkey's First Corporate Entrepreneurship Conference was held.
The "Istanbul Financial Risk Management Laboratory" launched jointly by the Central Securities Depository of Turkey and Özyeğin University received the "Best Big Data Project" award by the International Data Corporation, IDC, a global information technology provider.
Özyeğin University qualified to be one of the 10 universities to receive TÜBİTAK's Technology Transfer Office Support for 10 years.
The Alp Alkaş Retail & Real Estate Center was launched.
Prof. Esra Gençtürk was appointed as the Rector.
Özyeğin University received the ISO 14001 Environmental Management System, and OHSAS 18001 Occupational Health and Safety Management System certifications.
The Faculty of Arts and Sciences was renamed as the Faculty of Social Sciences.
The Faculty of Economics and Administrative Sciences was renamed as the Faculty of Business.
The first Istanbul HUB Seminar was held jointly by the School of Aviation and İGA.
The Scholarship Program for Equal Opportunities in Education was launched.
Özyeğin University was included in the annual ISCN-GULF report on sustainability best practice case studies as the only university from Turkey. The annual report was shared by International Sustainable Campus Network (ISCN) and Global University Leader Forum at the World Economic Forum.
The Graduate School of Business was founded.
The School of Aviation was renamed as the Faculty of Aviation and Aeronautical Science.
The Research, Development, Training and Application Center for Energy Efficient Lighting (EVATEG) was founded.
The Center of Excellence for Optical Wireless Communications Technologies was founded.
Özyeğin University was named Turkey's most successful foundation university in athletics!
Our OzU-X building was launched.
Özyeğin University and the Turkish Industry and Business Association (TÜSİAD) jointly established the "Sustainable Development Forum (SDF).
According to the results of the Turkey's University Satisfaction Survey (TÜMA) 2017, Özyeğin University ranked first among all universities in Turkey for "Overall Satisfaction".
Our Dorm 6 was launched.
Our University signed a cooperative protocol to join the "Researcher Training Program for the Defense Industry".
The cooperative protocol was signed by and between our University and Istanbul Bar Association.
Our Faculty of Aviation and Aeronautical Science entered into sectoral cooperation with Turkish Airlines.
Özyeğin University and General Electric (GE) Turkey jointly launched the "Center for Innovation" in our OzU-X building.
Özyeğin University signed a cooperative protocol with the Competitive Sectors Program for the BEYSAD Industry 4.0 Excellence Center Project.
The OzU Couple and Family Therapy Center (OzU CFC) was launched.
Our University's Dorm 6 and OzU-X buildings ranked among the best architectural projects of 2017.
Our University held its first Chill@OzU event led by our Student Union with support from various university departments.The event played host to over 9,000 guests.
For the second time, OzU ranked first for overall satisfaction in the 2017 Turkey's University Satisfaction Survey (TÜMA). Also, our Rector Prof Dr. Esra Gencturk has been honored with the "Golden Award" in recognition of her outstanding performance.
OzU ranked first among the "Universities with Highest Graduate Employment Rate" according to the results of the CALIBRE Higher Education Employment Index 2018 prepared by the Career and Talent Management Association based on a nationwide survey.
OzU was ranked first among the top 10 universities with the best campus in Turkey.
OzU shortlisted among the top 8 universities in the "Outstanding Support for Students" category.
OzU is ranked as the World's Top Turkish University for its contributions toward United Nations' "Sustainable Development Goals".
Özyeğin University Ranks First in Overall Student Satisfaction for Three Consecutive Years
Özyeğin University Tops the Universities with Fastest Graduate Employment Rate Rankings for the Second Consecutive Time
The Greenest in Turkey: Özyeğin University Ranked First Among Foundation Universities in Turkey in GreenMetric 2019
Özyeğin University Ranks Among The A+ Universities In Student Satisfaction
Özyeğin University Becomes the First University to Receive the "Zero Waste Certificate"
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text:
With a Visit from Hillary Clinton, ABC's "Kimmel" Is Thursday's #1 Late-Night Talker in Households with a 5-Month Thursday-Night High
ABC spins the late-night numbers for Thursday, November 5.
[via press release from ABC]
Thursday, November 5, 2015: ABC's "Jimmy Kimmel Live" (Live + Same Day U.S. Metered Market Ratings)
ABC's "Kimmel" Ties NBC's "Fallon" as Thursday's No. 1 Late-Night Talk Show, While Beating CBS' "Colbert" by 19% in Households
"Kimmel" Scores Its Highest-Rated Thursday Telecast in Nearly 5 Months
"Jimmy Kimmel Live" (M-F 11:35 p.m.)
On Thursday, November 5, 2015, ABC's "Jimmy Kimmel Live" ranked as the No. 1 late-night talk show in Households (2.5/7) in the 56 Metered Markets, tied with NBC's "The Tonight Show Starring Jimmy Fallon," while beating CBS' "The Late Show with Stephen Colbert" by 19% (2.1/6).
·	Featuring Democratic Presidential candidate Hillary Clinton, Bob Odenkirk and David Cross on Thursday, "Kimmel" matched its strongest telecast on the night in Households since an NBA finals-led telecast in June - since 6/11/15. Excluding the one NBA finals-led telecast, "Kimmel" tied its highest-rated Thursday telecast in Households in almost 8 months - since President Obama's visit on 3/12/15.
PROGRAM AVERAGES HH Rtg A18-49 Rtg
ABC "Kimmel" 2.5/7 0.7/4
NBC "Tonight Show" 2.5/7 0.9/5
CBS "Late Show" 2.1/6 0.5/3
Follow us on: Facebook.com/JimmyKimmelLive Twitter @JimmyKimmel #Kimmel
Source: WRAP Overnights, Weighted U.S. Metered Market Averages, Live + Same Day (11/5/15).


text:
Hindus Urge Governor Inslee to Create Taskforce
Alexander Ly March 11, 2015, 00:32 November 10, 2017
Taskforce Requested After Vandalism Hate Crimes
The request came as a response to two incidents of vandalism against Hindu Temples in February this year. On March 5, Washington Governor Jay Inslee convened with Hindu community leaders who urged Inslee to establish a task force to mitigate the situation and prevent future attacks.
Inslee remarked in a prepared statement:
"I condemn these acts of intolerance, intimidation and violence. Diversity is a cornerstone of our state. It is what makes this such a great place to live, work and grow a family. I want to let all of those affected by the recent crimes know that Washington stands with you."
President of Universal Society of Hinduism Rajan Zed commended Inslee for meeting with Hindu leaders but also expressed concern for the acts of xenophobia.
Zed suggested that this task force should include administration officials, law enforcement, school district superintendents, community leaders and academia. The purpose of such a task force, as defined by Zed, is to foster greater awareness between communities and encourage cultural literacy in order to stamp out hate crimes.
Zed viewed this as possible through education of cultural diversity and equity in public and private schools
By creating broader awareness, hate crimes can be identified more efficiently and through procedural training, law enforcement would be better equipped to deal with hate crimes like in Bothell and Kent.
On February 15, graffiti of a swastika and letters spelling out "Get Out" were discovered on an outside wall at the Hindu Temple and Cultural Center in Bothell. Two weeks later, windows were broken and the word "Fear" written on a wall at Sanatan Dharma Temple in Kent.
The two temples lie 34 miles from each other.
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American vs. British English
07/26/2021 LanguagesLanguage Resources Created by Romina K.
Great Britain and the United States don't just differ because of their size, culture, and eating habits. The official language of both nations - English - is also slightly different. The differences between British English and American English are not huge, but not knowing in which way they differ can lead to mistakes or misunderstandings.
To make sure this doesn't happen to you, we have prepared a useful guide to make sure that you know your "colours" from "colors". Below we'll show you some key differences between American English (AE) and British English (BE), which as you will see often differ in vocabulary, spelling, pronunciation, and sometimes in grammar.
The different expressions
Some words differ in American and British English. Here are some examples:
American words end in "-or" vs British words end in "-our"
color (AE) | colour (BE)
flavor (AE) | flavour (BE)
neighbor (AE) | neighbour (BE)
American words end in "-er" vs British words end in "-re"
theater (AE) | theatre (BE)
meter (AE) | metre (BE)
center (AE) | center (BE)
American words end in "-ize" vs British words usually end in "-ise"
apologize (AE) | apologise (BE)
organize (AE) | organise (BE)
realize (AE) | realise (BE)
In American English words often have only one consonant, while in British English they have two.
traveled (AE) | travelled (BE)
jewelry (AE) | jewelry (BE)
canceled (AE) | cancelled (BE)
Other different spellings:
cozy (AE) | cosy (BE)
catalog (AE) | catalogue (BE)
Americans pronounce all "r" sounds clearly, while the often British pronounce the "r" only as the first sound in the word. If the "r" is in the middle of a word it is usually barely audible, and the emphasis is more on the vowel (far sounds like "fa").
In American English, the letter "t" sounds more like a "d" (better sounds like "bedder"). In British, you can hear the "t" clearly. In some words, such as 'dance' or 'can't', the "a" is pronounced like an "ä" in American - in British more like a long "a".
British and American pronunciation differ a lot. To look at them more closely, it is helpful to listen to them. For example, watch an American movie and then a British one and you will quickly notice the differences in pronunciation.
Some British and American prepositions work differently:
For example, in American you say "on the weekend", while in British you almost always use "at" when talking about a time, so "at the weekend".
In American, the verb "to write" is usually used by itself, while in British you say "to write to", as in "I promised to write to her a letter."
The past participle of the verb "to get" differs between AE and BE:
- AE: get | got | gotten
- BE: get | got | got
Collective nouns (such as "team") can be plural in British English when referring to the individual members. In American English, they are always singular:
- AE: The team is good
- BE: The team are good
Want to master a British or American dialect? Learn to speak like a native on a language study trip! Discover Sprachcaffe's our educational trips to the USA or England
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Apple always brings innovations in the gadgets and their OSs. Every year in company's official conference, the giant announces some of the greatest features and updates to their existing Software or we can say Operating System. New update of the OSs brings a number of improvements and enhanced user functionality to explore more of the advance technology world. If we talk about Apple's Mac OS, MacOS Sierra is the latest edition of the Mac OS which was announced by the giant for the last year. If you are using a Mac system, then you can get all information regarding the beta version of this OS including all the updates that were pushed by Apple in the past times of this MacOS Sierra.
If we talk about Apple's recent announcements, the giant has announced three new smartphones in the recent Keynote which was held at Steve Jobs Theater. iPhone 8, iPhone 8 Plus and iPhone X was announced with Face ID feature. Apart from this, the company has also unveiled a new Apple Watch Series 3 with new WatchOS 4. Additionally, we would get full 4K HDR entertainment with the new fourth generation Apple TV 4K. The company has also revealed a new Wireless Charging Case for AirPods which is listed for $69 in the market already. So, we have a handful of new gadgets to explore from the giant, Apple for this year.
Since we have been receiving a number of updates for the current Mac OS versions, the giant has reportedly change the name of its OS from Mac OS X to macOS so if you have decided to update your Mac system with the latest Mac OS, MacOS Sierra is here for the update with all the recent updates. As we promised earlier, here we have listed down all the useful updates about this MacOS Sierra with proper details so you can get to know about the actual functionality and what has changed compare to its previous editions. Every update brings something new to the stable edition which is why we recommend you to keep up to date with all the software and applications.
There is a very clear reason why Apple has decided to change the name of its Mac OS X with macOS, since Apple has a few other devices with different operating system such as tvOS, watchOS, iOS, the giant has decided to rename Mac OS X with macOS. Previous edition of the Mac OS X was Mac OS X EI Capitan which gets an update of macOS Sierra as per Apple's recent announcements.
macOS Sierra is also known as its version numbe, i.e. 10.2. If you are using a Mac system, there is a free update to this macOS Sierra available for your Mac system. However, the update requires proper compatible devices to run the latest macOS Sierra. If you have been using a very older Mac system, this update might be able to work on your older device. So it is better to know the compatibility of the macOS Sierra before you can actually move on to the update process.
Here, we have list down all the Mac devices which are compatible to update the macOS Sierra on it. Let's find out whether your current Mac system is there in the list or not.
These are all the devices which will be able to upgrade with this new and latest macOS update from Apple i.e. macOS Sierra. The above listed compatibility devices were featured on the announcement of this new OS. So, if you see your current system there, you are welcome to upgrade it with the new macOS Sierra Operating System.
How do you see if you Mac system is compatible with the new macOS Sierra?
If you a little bit confused about whether this macOS Sierra is compatible for your system or not, you can easily figure it out by your ownself. It doesn't require any tool to do so. Just follow below given steps and you would see the version compatibility of the macOS Sierra there from your system.
Turn your Mac system on.
At the upper left corner of your Mac system, you would see an Apple logo. You have to click on to the Apple Logo once.
A drop down menu will be presented to you. From this menu, you need to select About this mac option.
A screen will be appeared on the desktop featuring all the details about your current mac system including the year.
Now, compare your Mac system with the above compatibility list. If you found it compatible then, you are good to go with the update of macOS Sierra.
Downloading this latest macOS update is pretty simple and you can easily get it from the official Mac App Store. If you are not in a hurry, the your Mac system will itself warn you with a notification about the new update on your system of the new macOS Sierra. Although, you can check for the update and its compatibility by clicking on the Apple's logo as mentioned earlier.
Apple had announced this new macOS Sierra officially on September 16, 2016. Since then, this OS receives a number of updates to the existing OS with bug fixes and more solved issues. So, let's find out all the updates made available by Apple after the official announcements of the macOS Sierra.
After the launch of the official macOS Sierra, the giant had pushed a quick update with new macOS Sierra 10.12.1 with numerous bug fixes and improvements. The new update brings new camera functionality features as well.
In the last December month, Apple had pushed a new update to the existing macOS Sierra with macOS Sierra 10.12.2. This update was a major one which included new security solutions. Apple had advised all the Mac users to update their Mac's with this latest version for a stability and more functions. This update had removed the battery percentage indicator from the Macbooks.
In this year, January month, the giant has pushed yet another update of its current Sierra OS with, macOS Sierra 10.12.3. This new update was made available for all the Mac systems users. But it was specially designed for the newly launched, MacBook Pros in the market.
This update included Safari web browser issues with more stability on the existing version. Some users had reported that the bugs are consuming more battery power, so, this update fixed everything. Apart from the battery issue, some other users had also reported issue while they import photos from camera. This update has also fixed those issues.
After a couple of moths later, the giant has released one more update in the March month of its macOS Sierra with macOS Sierra 10.12.4. This update has brought a number of interesting and all innovative features which people of the current period are also using.
The new macOS Sierra 10.12.4 brought features like Night Shift mode, improved Siri functionality and more. Siri brought more answers to your questions regarding sports especially Cricket. Apart from this, this new update also brought update in the PDFKit so you can view your PDF documents with a better way on your Mac system.
In the May month, Apple has pushed a new update to the macOS Sierra with version number macOS Sierra 10.12.5. According to Apple, this update of Sierra brings, "stability, compatibility, and security of your Mac." So if you find some issues with any of these, you are requested to update your mac system with this update so you can fix all the issues related the functionality and security of your system.
Some of the users have found sound issues while using USB drives and this update fixes all such minor issues of the users as well. Windows 10 creators are allowed to test out their own updates via Boot Camp. Some automatic updates are also available in this update with App Store's updates and other application updates.
Apple has started testing out this update for the Mac users and you too can register yourself for this update. This beta update was available a long ago which you can still try out on your Mac system.
Basically, there are two different options available for testing out this beta version. You can either register yourself as the developers or you can go with public beta testers. Following links will help you to register yourself with this program.
To register as a developer, head over to the official Apple developer program page and you can register yourself for this.
For more information regarding Apple's beta program, kindly head over to the official beta program page of the Apple. Sign up for this program and get updates about the beta program of this OS from there.
If you sign up for the beta program, you will be able to get latest updates months ago before the public release. So you can play a part of a the actual tester or we can say developer of the Mac OS.
If you are more curious to know about the actual features of the new macOS Sierra updates and want to know the functionality of this OS, then here we have enlisted all the useful features of this new OS so that you can get to know more about this OS's actual functionality in daily usage. Kindly follow the points of its features enlisted below.
No matter whether you have already upgraded your Mac system or not, new update of Sierra OS brings a set of advance features to your Mac system with which you can easily integrate with all the iOS features right from the original macOS system. Let's find out what's new insight the updated macOS Sierra from here.
New macOS Sierra brings new improved features. Apple has made Siri more powerful than its previous version. You will be able to access company's own voice assistant service i.e. Siri right from the Dock of your Mac system. You can even get access to Siri from the Menu bar as well. You can even access this with the shortcut key from your Mac's Keyboard. The window of Siri will be appeared on the upper right corner where you can view it like the iOS devices. Ask anything and get a quick respond from this Powerful Voice Assistant.
With the help of Siri, you can send messages, can find out answers of General knowledge, search on the web and much more. You can access results from the Mac itself and can make use of the results as well. Siri is widely popular and available on iPhone, iPad and Apple TV. Which is finally available on macOS as well.
Auto Unlock is quite a useful feature as a part of the security of your Mac. This feature allows you to unlock your Mac system with the help of your Apple Watch. If you are using Apple Watch, you will be able to sync it with macOS Sierra to unlock your Mac system. There is nothing additionally available in this feature, just make use of it if you have bought the Apple Watch. You don't have to type lengthy passwords to unlock your Mac system, just use this features to directly unlock the Mac.
Universal Clipboard helps you to sync your copy and paste data to all the devices. Like if you copy something on this Mac system, you will be able to use the same thing on any other iDevice with the help of this Universal Clipboard feature. This will make you more productive. As you don't have to send emails to check out things from one device to another, just copy or paste to the Universal Clipboard and it will synced itself.
This new cloud storage option, iCloud Drive stores up the directories and other files and sync it between the systems. It will also be able to find out the unnecessary files and help you to free up some space on your hard drive. It will even give you detailed report about the space of the applications so you can figure out the actual space stored by the applications and other documents.
This is a great feature for the applications which support multi window option. Such applications can now support multiple tabs withing the same window. This feature allows all the tabs to be organized.
Picture-in-Picture feature is quite useful if you are using multiple applications or anything. It works just like the YouTube application. Whenever you use any application like exploring photos or videos and want to use other application at the same time, this feature will offer a thumbnail preview of this and allows you to do whatever you like to. You can still view it in a Thumbnail preview so you don't have to close down the existing Window.
Apple Pay for Mac is finally available with the update of new macOS Sierra Operating System. While exploring certain merchants websites, you will see Apple Pay's icon. With this, you will be able to make instant transactions if you want to buy something. Apple Pay will soon be available to other nations as it is currently available in 9 different countries. You have to authorize this feature from your iPhone or Apple Watch to make it work.
Apple File System is a new way to share space between the devices. This feature optimizes the available space in your system. This will adopt the features of modern file sharing systems and will work accordingly.
This system will store all the duplicate files without any extra space. So, if you store 4 GB of duplicate files, this system will not consume 8GB, but it will keep both the files with 4GB space. If you make some changes to any of the files, only then it will start consuming space of your system. Otherwise, the files will remain there without storing extra space.
Night Shift feature was already available with its previous edition. However, this new update brings some additional improvements to the original Mac system. This feature can be setup through System Preferences of you Mac system. This feature reduces blue light at night. This features comes with an integration to Siri, so you can toggle it from there or can use notification center to do so.
The new macOS Sierra brings Tapback feature to the native Messages app on the Mac system. Since, the original Mac system doesn't allow users to use emojis, animations while typing, this new Tapback feature will instantly help you out with this. With this feature, users will be able to quick respond to the messages with simple symbols. So you don't have to write down things what you feel, just hit the symbols and it will be good to go.
As you know, Photos app is one of the best application on Mac system to organize and manage your Photos. This application has improved its face recognition feature to organise the photos of your system. This feature groups the photos with same face, locations and more when you import photos. It will create memories so you can slideshow them anytime you want. This is one of the coolest feature added to the Mac system.
You can even communicate between all the bundle extensions from various applications installed on your Mac systems.
As you know, iTunes is one of the best applications which almost all the users of Mac system are using. You can purchase things and can optimize your music with the help of iTunes software which comes as a default music player on Mac systems. The new update brings Apple Music within the iTunes app so you can easily find out and discover the music that you want quickly.
Additionally, you will see For You button which is added as a new update. By clicking this button, you will be presented a new page with all the new music that you might want to explore. So if you are a music lover than you will definitely going to like this feature to use in your Mac system. The update also brings a redefined miniplayer which also enables you to view the lyrics of the songs that you are currently listening.
Taking and sharing notes between the users has become more easier with the new updated notes application. This feature allows you to share and collaborate on notes. Just click on to the share button and you will be able to get things done quickly.
When it comes to security improvements, macOS Sierra brings newly improved Gatekeeper application for security purposes. New update adds two more mechanism to the Gatekeeper's user interface.You can make use of the new feature of this from the System Preferences tab. You can disable this option to allow all the apps to work well without your permissions all the time. So you don't have to give permissions to do some tasks.
Finder has now an option to view folders instead of just files. So you will be able to view folders in the view hierarchy.
So folks, these were all the features of the newly updated macOS Sierra. The company has already announced the dates of its update with new macOS High Sierra which is soon be rolled out to public. For now, you can download and install the beta edition of this OS.
Since, Apple has already announced the dates of its new macOS High Sierra, you can still install its developer beta version or public beta version to the existing Mac system. The process is quite simple and anyone can easily update their current macOS with the latest macOS High Sierra just by following simple steps. We would come up with useful tutorials which will help you to update your mac System with the latest macOS High Sierra. So for that, you have to stay tuned with us. We would link the new installation tutorial here once they are published on the website.


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If your company has brand guidelines we should follow, please upload them here.


Public Liability insurance is one of the most common insurance policies taken out by businesses of all sizes and across diverse industries. Our friendly team of experts can consult you to find the best product or public liability Insurance in Perth, Sydney and across Australia. It covers legal liability for personal injury or third party damage caused by an employee or by the business during the course of business activities. It also covers related legal fees, costs and expenses. The cover is often combined into a single policy with product liability.
Please contact a Knightcorp representative today to discuss your details further.


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Water Treatment Engineering
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Water crisis ravages Middle East
A major water crisis is developing in the Middle East, with more than 12 million people in Syria and Iraq losing access to fresh water, food supplies and electricity.
According to a report compiled by 13 international aid groups working in the region, drinking and agricultural water is growing dangerously scarce due to rising average temperatures, record low levels of rainfall, and drought.
Dams are drying up, which is disrupting hydro-electricity supplies, and in turn impacting essential infrastructure such as health facilities.
Drought-affected agricultural land in Sinjar, Northern Iraq, August 2021. Source: Fared Baram/ NRC
80 per cent of the population in Syria and Iraq rely on two major rivers, Euphrates and Tigris, for their fresh water supply. But these rivers begin in Turkey, leaving Syria and Iraq very little control over their flow.
An agreement between Turkey and Syria in 1987 assured an average flow rate of 500 cubic meters per second across its borders, however local engineers are reporting a decreased flow of 200 cubic meters per second in recent months. Turkish regulators are not entirely to blame, with the region experiencing its worst drought in 70 years.
Local farmers are struggling, with many having spent their savings and fallen into debt to keep their crops and animals alive.
"Because of the drought I was unable to harvest any wheat," Hamid Ali from Baaj, one of the worst affected districts in Ninewa, Iraq. "Now I am overwhelmed with debt."
Local Sinjar farmer shows his tomato crops ravaged by the drought. Source: Fared Baram/ NRC
"The total collapse of water and food production for millions of Syrians and Iraqis is imminent," said Carsten Hansen, regional director for the Norwegian Refugee Council.
The water crisis is compounded by conflict in the region, with hundreds of thousands of Iraqis and Syrians displaced, the COVID-19 pandemic, and decades of severe economic decline.
Multiple aid groups, including the Danish Refugee Council, CARE, Action Against Hunger and Mercy Corps, are calling for immediate action and assistance.
"The situation demands that authorities in the region and donor governments act swiftly to save lives," said CARE's Regional Director in the Middle East and North Africa Nirvana Shawky.
"In the longer term, beyond emergency food and water, they need to invest in sustainable solutions to the water crisis".
Dry olive trees in Kuri Jami village, Sinjar, August 2021. Source: Fared Baram/ NRC
The Danish Refugee Council's Middle East Regional Director Gerry Garvey expects the water crisis worsen and is worried about the ramifications.
"It is likely to increase conflict in an already destabilized region. There is no time to waste. We must find sustainable solutions that would guarantee water and food today and for future generations," Director Garvey said.
Victoria's little-known major infrastructure project
Separating Solids from Water
Water from air: University of Sydney's new nano-technology
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The emperors Constantine, ruling over the western empire, and Licinius ruling over the eastern roman empire in 313ad met in the city of Milan on occasion of the wedding of Licinius with Constantia, Constantine's sister.
The meeting took place in the splendid imperial palace and in that occasion administrative instructions were sent to functionaries throughout the empire.
They were aimed to reinforce a decree issued by Galerius in 311 which gave the Christians the status of a legitimate religion. The two emperors ordered also that Christian communities were returned all their properties.
Later historians named it 'Edict of Milan'.
Freedom of religion to the Christians and worshippers of all religion in the empire was granted.
It was a turning point that lies at the root of the Christian cultural heritage of Europe and the world. The edict ratified the new concept of tolerance, religious freedom and openness to new forces, such as Christianity, able to revitalize the empire.


Appling Christian Academy's Deanna Johnson out jumps opponent in a recent game.
The varsity girls (10-0) and the varsity boys (8-2) improved their season records with wins over Peoples Baptist Academy out of McDonough. On the road, January 6, the Lady Eagles outscored their opponent 56-20. Leading scorers for the ACA team were Christian Beasley (14) and Victoria Cox (12). Lindsey Johnson led all rebounders with 17.
On January 10, the teams squared off for a second time this year. As before, the Lady Eagles were victorious with a 47-10 score. Christin Beasley and Lindsey Jonson led the scoring with 19 and 12 points, respectively. Lindsey Johnson dominated the boards with 11 rebounds.
The varsity boys won their two games over Peoples by scores of 55-37 and 57-40. In the first encounter, Bryce Livingston (14), Brandon Horton (11), and Rex Cox (10) led all scorers. In the second contest, Brandon Cox and Rex Cox led the varsity team with 13 points each. Brandon Horton continued as the rebound leader with a total of 23 rebounds over the two game span.
Appling Christian's JV girls increased their winning record to 9-0 after two wins over the Peoples JV Knights. The JV boys dropped to a record of 4-5 for the season. Bethany Rivers (14), Alyssa Livingston (11), Lauren Beasley (10), Cole Livingston (20), and Wyatt Nail (13) led the scoring for the Eagles in their recent games against region opponent Peoples Baptist Academy.
Bethany Rivers and Cole Livingston were named JV players of the week.


The subscription based business model is becoming extremely popular in ecommerce due to several reasons.
People striving to save time. The first and main factor is that consumers are looking for ready-made solutions to their daily problems. They value time more than money and therefore are ready to pay more to save this time. According to the recent research on consumer behaviour, waiting for delivery stops 34% of customers from shopping online.
The habit of paying for streaming media products. Apple music, Netflix, Spotify, and many others have made consumers become used to paying for content on an ongoing basis setting the stage for ecommerce box websites. According to the Zuora data, 81% of all British consumers are subscribed for at least one service.
The modern consumer appliances, forcing automatic purchases. Midea recently presented their new dishwashing machine during the IFA exhibition in Berlin. Its key feature, which may be curious for ecommerce retailers, is the ability of artificial intelligence to determine when the dishwasher tablets run out and will make an automatic order for these from the particular store you chose through the app earlier. This innovation indicates the direction in which the new consumer electronics market follows.
An attractive opportunity to accrue discounts. People like discounts and bonuses. The statistics demonstrate the following numbers: 54% of consumers will buy products left in shopping carts if those products are offered at a price lower than its original; 22% of consumers purchase products from their preferred brands only when they are on sale or with a coupon. This point is an absolute win-win since customers receive desirable discounts for subscription-based products (the size of which can increase from the number of selected items), and a store receives loyal customers. As of today, British consumers spend around £60 for delivery subscriptions according to the last Whistl data.
This is not a full list of reasons why subscription-based delivery is becoming a convenient shopping method for consumers and a cost-effective solution for businesses.
What is an ecommerce subscription?
The ecommerce subscription model differs from the traditional ecommerce with the ability for customers to make recurring orders with automatic payments.
Types of subscription-based shopping for different niches.
Curation. Delivery of personalised products requires a high level of brand trust. Surprise and variety are crucial factors here. Since consumers want these type of companies to know their expectations and needs, they are ready to share their data.
For illustrative purposes let's look at the Birchbox company which is one of the most successful subscription businesses of this type. They offer their customers to receive a box with beauty samples each month for $10/month. Then they offer customers to purchase the full-size versions of any products they liked the most with a $1 back for each $10 spend.
Another subscription box trend for consumers who love surprises is to receive new-designer shoes or clothing of a particular fashion brand as soon as they are available for order. For instance, this category of consumers can subscribe to receive every 'fresh' pair of Balenciaga sneakers or even a T-shirt by NBA Thunder if they wish.
Access. Delivery of exclusive products. This type of subscription is perfect for brands who offer high-quality products or services for selected members. Uniqueness is a crucial factor in this model.
If in the previous category we had an example with a delivery of new fashion products when they became available to order, this type provides clients with the opportunity to buy products immediately after release, in other words, before appearing on the market. This can be exclusive garments, recently shown on the exclusive catwalks, or test products such as electronics or sports equipment presented at trade shows.
Let's review the JustFab programme as an example. The store offers clients exclusive access to a personalised boutique for £35 per month. VIP customers need to take a style quiz, after which they will be able to view the selected products with a unique design tailored to their interests and order them at VIP rates (with a discount of up to 75%). Delivery, returns and exchanges are free.
Replenishment. Periodic delivery of the same or similar products for everyday use. Time and money saving is the deciding factor here.
Amazon Subscribe & Save is one of the excellent ecommerce subscription model examples. This feature allows customers to choose these types of products from 6 different categories and receive them periodically with door-to-door delivery.
As a rule, this type is efficient for retailers who sell household and personal care products, cosmetics, goods for babies and pets, as well as grocery and health care items. However, all rules have exceptions. This is why some customers will be happy to receive 'fresh' socks every week just because they don't have the time or desire to wash them.
How a subscription feature can affect your business?
Box delivery services in the United Kingdom are still not as popular as in the US; however, this pace of development is pretty high. The British subscription box market is predicted to be worth €1.12 B by 2022 which is 72% more than last year's estimation. Today, almost 60% of companies want to invest in subscription ecommerce.
It's easy for customers to pay with a card on your website.
According to the CEE Ecommerce Report 2018, repeat customers return 4 times more revenue than newcomers. That's why today retailers focus more on the customer experience which consists of many touch points — "bricks" on which strong brand loyalty is built. The subscription delivery service will allow you to reduce the engagement frequency since customers will make an order for recurring delivery once, and receive your products next time without additional interactions with your site.
Acquiring new customers is more expensive than retaining existing ones. Monthly subscription services allow you to spend your marketing dollars on the first stages of the purchase funnel and work only with the "loyalty loop", hence with customers who are ready to buy products within your store.
When a customer makes a recurring order, you know when the products should be delivered the following month and can estimate the most profitable shipping option, as well as optimise inventory and packaging.
The subscription box revenue streams are easier to evaluate since you need to take total subscribers, subtract cancellations and multiply by your subscription cost. One more thing is that the box models statistics can help you identify your customer's lifetime value (CLV) which in turn, can help you optimise your investments in promotion and business development.
The more products a customer adds into a "box", the bigger discounts they receive. Therefore, you can offer your clients products, related to recently viewed items, or attract their attention to products that are hard to sell.
You have selected the most suitable online recurring payment tool.
Your methods of customer data collection are GDPR-friendly.
How to market an ecommerce subscription service?
The ideal solution to attract an already interested audience. To reinforce the campaign, we recommend that you create several different scenarios. For instance, you can show your ads to customers who previously viewed the products that can be delivered in the box, and who visited one of your subscription services page.
Email is the most efficient marketing channel for subscription services within online stores since this works with segmented customer data.
For example, imagine that you are selling pet products. You configured your CRM software to track the period between purchases of the same product your registered users make. So when the system detects that a client purchased dog food every 30 days, this translates that information to the email marketing platform as a trigger. And the platform sends the email to this customer with an offer to receive this food monthly for a year with a 10% discount and free delivery. You may also ask your clients to provide you with additional information that can help you improve your email marketing strategy and increase conversions.
Create short videos with subscription feature advantages which will be shown on YouTube, Smart TV or online video-players before the main media content.
What KPIs should you pay attention to when tracking subscription box statistics?
To correctly analyse if your decision on implementing the subscription service business model was successful you need to monitor the following metrics in the statistics data.
This is the most critical metrics for subscription-based businesses which means a normalised revenue per month from all active subscriptions.
Prediction of how much entire profit a customer generates for you on a per monthly basis.
You can calculate the cost of attracting a new customer by dividing marketing and sales spend by the number of customers gained.
Track how many users cancel the subscription to understand if they are satisfied with your service. You should be always providing value to your customers to retain them.
This metrics demonstrates how much a subscriber spends with you within their subscription plan. The key goal of every delivering boxes company is to increase ARPA through up-sells and cross-sells.
To understand the time you need to cover the cost of recovering your subscriber you need to divide Customer acquisition cost (CAC) by Average revenue per account (ARPA).
The subscription model is the new trend in ecommerce business which is predicted to develop rapidly in the next few years. This may be a profitable idea for stores who have a wide range of daily used products such as grocery, household and personal care products, cosmetics, goods for babies and pets or health items. However, before implementing this model into the traditional ecommerce model, be sure that your existing audience lives in cities and earns more than £30,000 per year. Examine the examples of successful subscription businesses to understand the perfect mechanics which lead to success.
Do not forget to check if your website is PCS and GDPR friendly and elaborate a complex marketing strategy for promoting your box delivery service. If you need any help with this, be sure to contact our experts.


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CUDA and Applications to Task-based Programming
Markus Steinberger, Martin Winter, Michael Kenzel, Bernhard Kerbl
Since its inception, the CUDA programming model has been continuously evolving. Because the CUDA toolkit aims to consistently expose cutting-edge capabilities for general-purpose compute jobs to its users, the added features in each new version reflect the rapid changes that we observe in GPU architectures. Over the years, the changes in hardware, growing scope of built-in functions and libraries, as well as an advancing C++ standard compliance have expanded the design choices when coding for CUDA, and significantly altered the directives to achieve peak performance. In this tutorial, we give a thorough introduction to the CUDA toolkit, demonstrate how a contemporary application can benefit from recently introduced features and how they can be applied to task-based GPU scheduling in particular. For instance, we will provide detailed examples of
use cases for independent thread scheduling, cooperative groups, and the CUDA standard library, libcu++, which are certain to become an integral part of clean coding for CUDA in the near future.
EUROGRAPHICS 2021
Steinberger, M., Winter, M., Kenzel, M., & Kerbl, B. (2021). CUDA and Applications to Task-based Programming. In EUROGRAPHICS 2021
CUDA and Applications to Task-based Programming. / Steinberger, Markus; Winter, Martin; Kenzel, Michael et al.
EUROGRAPHICS 2021. 2021.
Steinberger, M, Winter, M, Kenzel, M & Kerbl, B 2021, CUDA and Applications to Task-based Programming. in EUROGRAPHICS 2021.
Steinberger M, Winter M, Kenzel M, Kerbl B. CUDA and Applications to Task-based Programming. In EUROGRAPHICS 2021. 2021
Steinberger, Markus ; Winter, Martin ; Kenzel, Michael et al. / CUDA and Applications to Task-based Programming. EUROGRAPHICS 2021. 2021.
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title = "CUDA and Applications to Task-based Programming",
abstract = "Since its inception, the CUDA programming model has been continuously evolving. Because the CUDA toolkit aims to consistently expose cutting-edge capabilities for general-purpose compute jobs to its users, the added features in each new version reflect the rapid changes that we observe in GPU architectures. Over the years, the changes in hardware, growing scope of built-in functions and libraries, as well as an advancing C++ standard compliance have expanded the design choices when coding for CUDA, and significantly altered the directives to achieve peak performance. In this tutorial, we give a thorough introduction to the CUDA toolkit, demonstrate how a contemporary application can benefit from recently introduced features and how they can be applied to task-based GPU scheduling in particular. For instance, we will provide detailed examples ofuse cases for independent thread scheduling, cooperative groups, and the CUDA standard library, libcu++, which are certain to become an integral part of clean coding for CUDA in the near future.",
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AB - Since its inception, the CUDA programming model has been continuously evolving. Because the CUDA toolkit aims to consistently expose cutting-edge capabilities for general-purpose compute jobs to its users, the added features in each new version reflect the rapid changes that we observe in GPU architectures. Over the years, the changes in hardware, growing scope of built-in functions and libraries, as well as an advancing C++ standard compliance have expanded the design choices when coding for CUDA, and significantly altered the directives to achieve peak performance. In this tutorial, we give a thorough introduction to the CUDA toolkit, demonstrate how a contemporary application can benefit from recently introduced features and how they can be applied to task-based GPU scheduling in particular. For instance, we will provide detailed examples ofuse cases for independent thread scheduling, cooperative groups, and the CUDA standard library, libcu++, which are certain to become an integral part of clean coding for CUDA in the near future.
BT - EUROGRAPHICS 2021


text:
10 Answers to the Most Common Questions About Programmatic Advertising
One of the most popular ways to run ad campaigns nowadays is through programmatic advertising, so much so that by the end of 2021, nearly 88% of all US digital display ad dollars, or $81.00 billion is projected to be done via automation. However, the AdTech industry is complex, as it is constantly evolving -from online ads to streaming, digital-out-home, radio, and TV- making marketers skeptical about the benefits of programmatic advertising and the ecosystem that surrounds it. Therefore, to help take the mystery out of programmatic advertising we've compiled a list of 10 of the most frequently asked questions in the space gathered from multiple online sources.
What Is Programmatic Advertising?
Programmatic advertising is the automated process of buying and selling digital advertising space in real-time through automated bidding platforms. By reducing the processes involved in creating and running a digital campaign, these sophisticated systems enable advertisers, publishers, and agencies to purchase, sell, and deliver their ad inventory with minimal human input.
How Does It Work for Advertisers?
Generally speaking, programmatic advertising automates the buying and selling of online advertising space by instantly connecting publishers — website owners with digital space to sell — and advertisers — brands who want to buy ad space to promote their products.
The process starts with an advertiser contacting their programmatic ad agency to launch a digital campaign to promote their brand. The agency will use a demand-side platform (DSP) to automate the manual aspects of buying ad impressions from multiple publishers in order to meet the campaign's goal. Agencies will often leverage a data management platform (DMP) to ensure they are targeting the right audience by utilizing a wide range of customer data to create segmented user profiles to guide ad-buying decisions. Brands and advertisers can also manage this process themselves by signing up to use a DSP and purchasing inventory directly.
Once an individual from the target audience of the advertiser visits the publisher's website, an ad request is immediately sent to the supply-side platform (SSP) which is used by publishers to sell their advertising space This platform starts an immediate automated auction among the potential buyers while connecting with the DSP.
Finally, using the data gathered from the SSP, the DSP evaluates the ad and matches it to their target criteria to determine the first impression bidding price, also known as real-time bidding (RTB). When an impression is sold, it is delivered and displayed on the publisher's website until the process is repeated when a new visitor lands on the website. All of this happens within the time it takes for a web page to load so as not to interfere with the experience of the user browsing the internet.
Why Is Programmatic Advertising Important for Publishers?
Programmatic advertising offers publishers an automated way to generate advertising revenue from their inventory by allowing them to optimize their ad sales through different bidding techniques, such as exchange bidding and header bidding while protecting them with the right tools to engage their audience with ads that are most relevant to them.
The following are some of the benefits of programmatic advertising for publishers:
Publishers can benefit from programmatic advertising by lowering costs and increasing margins, allowing them to make more revenue from their available ad space.
Publishers can easily interact and collaborate with advertisers, ensuring that both can increase their profits.
Selling advertising space has never been easier thanks to programmatic advertising. Publishers can maximize their ad sales activities by using automated solutions that reduce the time required to reach advertisers.
Since they are part of the advertiser's target audience, when visitors land on a publisher's site, they will be delivered with ads that are relevant to them. Advertisers can reach out to a variety of publishers through the use of programmatic advertising, which eliminates the need for back-and-forth phone calls, emails, and other time-consuming methods of communication.
Why Is Programmatic Advertising Important for Advertisers?
Having access to ad inventory was a challenge for advertisers prior to programmatic advertising and as a result, nearly 60% of publisher ad space would remain unsold. Now, through automated systems, the process of buying ad inventory has become significantly easier and advertisers can improve their campaign's efficiency to increase their return on investment. Leaving less publisher inventory unsold and making running effective cross-media campaigns easier and cheaper for advertisers.
Below are some of the benefits of programmatic advertising for advertisers:
Thanks to the targeting features of programmatic advertising, more relevant ads are delivered to the right audience, meaning advertisers can maximize the return on their spending while having access to a wide variety of publishers from different industries. Ensuring the most effective use of their advertising budget at all times.
Real-time flexibility
Advertisers can modify their advertising campaigns in real-time based on their performance, as well as refining their targeting options from a diverse range of flexible parameters.
Programmatic advertising allows advertisers to engage a wider group of targeted individuals by buying advertising space from the available ad inventory of multiple publishers to reach the greatest audience possible with their campaigns.
What Are the Different Types of Programmatic Advertising?
In addition to the traditional direct method of programmatic advertising, where advertisers can buy inventory directly from publishers through ad servers and ad networks, there are two other techniques advertisers can use to purchase ad-space: Real-time bidding (RTB) and Private Marketplace (PMP).
Real-Time Bidding (RTB) is a form of data-driven programmatic buying that allows advertisers to purchase impressions in a fraction of a second via a real-time auction. When a visitor lands on a web page, the publisher of that site instantly auctions the available ad space, and the advertiser who has submitted the highest bid to the DSP wins the spot to display their ad.
A Private Marketplace (PMP) is an exclusive, invite-only ad auction that allows advertisers to bid on premium inventory spaces before publishers offer them in an open RTB auction. The bidding process is automated via deal IDs, which advertisers use to identify PMP transactions in bid requests from SSPs and ad exchanges.
What Is a Demand-Side Platform?
In its most basic form, a demand-side platform (DSP) is an advertising technology platform that represents the buying side (advertisers) in the purchase of online ad space, allowing brands and agencies to buy various types of inventory from multiple publishers through a single unified interface.
Advertisers can buy ad impressions on publisher websites and target specific audiences using third-party data sources by using a DSP. The advertiser submits ad space bids to the platform, and the DSP automatically assigns ad impressions based on the advertiser's bid price and group targeting options.
As a result, advertisers benefit from precise ad placement and publishers from achieving the highest bid price for their inventory.
What Is a Supply-Side Platform?
In the same way that advertisers use Demand-Side Platforms to manage their programmatic ad buying, publishers use Supply-Side Platforms (SSPs) to manage their display inventory. In other words, an SSP allows publishers to reach out to multiple advertisers and sell their ad space at the highest possible price.
This automated system connects to an ad exchange and uses real-time bidding to share the auction inventory. The SSP is designed to maximize the amount publishers receive from each ad impression by connecting to several ad exchanges increasing the publisher's exposure to potential buyers.
An SSP also allows publishers to filter ads based on particular types of advertisers or channels, as well as establish varying prices for ad spaces to determine the most appropriate cost.
What Is the Difference Between an SSP and a DSP?
To put it simply, a DSP and an SSP support different sides of the programmatic space.
A Demand-side Platform (DSP) is the advertiser's tool to evaluate which ad impressions to buy and how much to pay for them, whereas a Supply-side Platform (SSP) is used by publishers to offer ad spaces to brands by connecting their inventory to ad exchanges. These two platforms are then synchronized in real-time.
What Is a Data Management Platform?
A data management platform (DMP) is used to gather, store, and categorize data from a range of sources such as websites and advertising campaigns. It is usually connected to a DSP to provide advertisers with relevant information to help them accurately target visitors who could be a better match for the displayed ad. In other words, a DMP sorts and segments incoming cookie data to create user profiles and guide ad-buying decisions.
How Much Does Programmatic Advertising Cost?
Although the cost of programmatic advertising depends on several aspects including the type of programmatic media you are buying, the quality of audience associated with that inventory, the prestige or recognition associated with the publisher you are purchasing from, and many more factors. Programmatic is generally sold by publishers on a CPM (Cost per mille) model, which stands for cost per 1,000 ad impressions.
As just mentioned, the price paid depends on the quality of the list and the extent of targeting among other factors, CPMs can fluctuate significantly, meaning that the higher the quality of the inventory offered or the more precise the targeting, the higher the price rises. On average, programmatic CPMs vary from $0.50 to $2 CPM, which makes it less expensive than many other advertising mediums and increases accessibility for small businesses working with limited marketing budgets.
Increase Campaign Efficiency with Programmatic Advertising
It is clear that programmatic advertising benefits both publishers and advertisers, particularly in terms of streamlining the ad inventory buying process, allowing advertisers to improve the efficiency of their campaigns and increase the return on their ad spend, while publishers benefit from offering all of their available ad space and reaching a greater number of buyers at the highest possible price.
Programmatic provides an environment where publishers can target their most relevant prospects more efficiently than ever before through the use of digital media and user data to achieve the best results. Thanks to automation and machine learning, it is also easier for advertisers to improve the performance of online advertising campaigns via data-driven targeting. By all means, programmatic advertising has a bright future ahead of it, and now is a great opportunity to get in on a growing trend.
Originally published at https://www.advendio.com on July 26, 2021.


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Civic Distinction Awards
Honey Hooser Scholarship
SASSY Awards
Surrey Good Citizen of the Year Award
Thank you to all of our 2020 award recipients and nominees for your outstanding contributions to the City of Surrey!
The Civic Distinction Awards are awards of excellence that acknowledge business and community leaders who have made a major contribution to the City of Surrey in their respective fields. By recognizing their work, these awards foster a culture of excellence in Surrey and highlight the people and projects that are leading the way.
The Civic Distinction Awards was held virtually on December 10, 2020 from 7:00 pm – 8:30 pm on Surrey's Facebook page and YouTube Channel. You can still view the awards ceremony and help celebrate our nominees and award recipients. The next Civic Distinction Awards will be held in 2024.
Nominations were received in all award categories including:
Beautification and Enhancement
Mayor's Choice
Sport Tourism
View a full list of Award Recipients
Thank you to all of our award recipients and nominees for your outstanding contributions to the City of Surrey and the individuals who took the time to nominate and recognize the individuals, community organizations or businesses for their deserving work.
We also would like to thank the review panels who selected the award recipients, performers, our MC, Charmaine Crooks, and everyone who contributed to the creation of this awards ceremony.
Review Panels
The Heart Award, Sport Tourism Award and Beautification and Enhancement Award recipients were reviewed by a panel of community members and staff and endorsed by the Parks, Recreation and Culture Committee. The Environmental Award recipients were selected by the Environmental Sustainability Advisory Committee.
The Arts & Heritage Award had separate panels: the art subcategory recipients were selected by a panel of past Civic Treasures Award recipients and endorsed by the Parks, Recreation and Culture Committee. The heritage subcategory recipients were selected by the Surrey Heritage Advisory Commission.
The Design Awards recipients were selected by a jury of urban design professionals.
The Mayor's Choice Award recipients were selected by a panel of community members and staff with final selection by the Mayor.
All award recipient recommendations are endorsed by Mayor and Council.
View past award recipients


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HomeBig BoxesZ_Import Misc
Crocodile Newts Tylototriton Breeding
Dawn Osselmann December 1, 2011 7:08 pm
The genus Tylototriton currently contains eight species of salamanders native to China.
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The genus Tylototriton currently contains eight species of mostly robust salamanders native to China and to a lesser extent a few neighboring countries. Out of the eight, T. shanjing is available with some degree of regularity in the United States, mostly as wild-caught imports. Tylototriton verrucosus is rarely imported; however, captive-bred stock can be found with some patience and searching. Tylototriton kweichowensis was virtually unheard of in U.S. collections until about five or six years ago, when wild-caught imports began showing up. The first T. taliangensis appeared as wild-caught imports at about the same time as T. kweichowensis did, but this species has only been available a few times since in the U.S. Tylototriton asperrimus, T. wenxianensis, and T. hainanensis are all but nonexistent in U.S. collections. All three species are similar in appearance, so during the few times when imports have occurred, identification has been difficult. To the best of our knowledge, T. vietnamensis has never been imported into the U.S. In this article, we will focus on our breeding attempts, successes and failures with T. shanjing, T. verrucosus, T. taliangensis, and T. kweichowensis.
Photo by Dawn Osselmann.
Crocodile newts can lay anywhere from 100 to 200 eggs.
Emperor Crocodile Newt (T. shanjing)
Long considered to be the same species as T. verrucosus, the two were split in 1995. Emperor crocodile newts are a colorful species native to the Yunnan region of China. A terrestrial species, T. shanjing breeds during the spring and summer, laying eggs on aquatic plants. Emperor newts appear to be regularly bred in Europe every year. There are sporadic breedings in the U.S. as well, both by zoological institutions and private individuals. This provides a source of inspiration for the authors since neither one of us have yet to succeed with breeding T. shanjing. Anecdotal information suggests that this species prefers a drier environment than other terrestrial croc newts.
Himalayan Crocodile Newt (T. verrucosus)
Native to China and several surrounding countries, Himalayan croc newts are the most widespread of the genus. Some sources say that Tylototriton verrucosus are fully aquatic as adults, but Osselmann noticed that her pair prefer a 50-50 tank, and they spend almost equal amounts of time in both halves. They prefer to stay mostly terrestrial during the colder winter temps, when basement water temps are between 50 and 56 degrees Fahrenheit, sometimes eating only once a month. They will sometimes enter the water in the winter, and often come out onto the land in the summer. There are times when one prefers to be terrestrial and the other aquatic. They can be kept fully aquatic, but keep in mind that individuals differ and might prefer a different environment if given the choice.
It may seem counter-intuitive to have the land side lower than the water side, but it's easier to set up, and in nature, who knows if there might be a big root that they have to crawl over to get to the water. These animals are very inquisitive, and shortly after being placed in a new tank, they will explore the entire space–land and water side.
Osselmann's pair lives in a 40-gallon breeder tank, which may be larger than required. These creatures may live 20 years or more, and they deserve as much space as they can be given, not the minimum that one could get away with. For substrate, Osselmann uses a mix of Eco-Earth and cedar bark shavings. In the past, she has mixed Eco-Earth and sterilized garden soil, which she sterilized in the microwave.
When spring comes, their appetite returns, and they become mostly aquatic. Temperatures in Osselmann's basement rise from 50 to 65, and in April her pair lay eggs.
Females eat more in preparation for laying eggs. They lay anywhere from 100 to 200 eggs over a period of a month. The eggs hatch in about one to two weeks. After a couple days, the larvae begin to eat, and you can feed them minced blackworms as a first meal. Some keepers do not even bother to mince the blackworms, as most newt larvae are aggressive eaters and will bite off pieces until the worms are large enough to swallow whole. Feed larvae daily, and watch how many blackworms they eat. The larger they grow, the less likely they will be to cannibalize one another when they go through metamorphosis.
If they are well-fed, they will begin to look more like miniature adults in about two months. At this time, you may add minced earthworms to their diet, and cut back on the blackworms a little (earthworms are less expensive, and the larvae eat a lot). After three months, they begin to morph, and they finish morphing by the end of the year. They are kept in a moist terrestrial tank for the first year. Osselmann keeps these tanks in the basement as she does her adults, and follows the same temperature patterns. The coldest part of the winter is about 50 degrees, and the hottest part of the summer gets up to 73 degrees. You could keep them in a warmer part of the house the first year, and they will eat more through the winter and grow faster. Just do not let temperatures go beyond 73 degrees. The following January, you may move them to a 50-50 tank, where they will acclimate to both environments. They will probably not be large enough to mate until they are around 2 to 3 years old, when the whole cycle begins again.
Kweichow Crocodile Newt (T. kweichowensis)
Although T. kweichowensis appears to be regularly bred in Europe, we have only seen three documented breedings in the U.S. to date. The first was by Michael Shrom, and the other two occurred with the Reves' animals. Reves' animals have laid more than 100 eggs.
The larvae are easy to raise on live food, and after some size has been attained, they will even accept frozen items, such as bloodworms. Metamorphoses occurs in approximately three months, at which point they look like miniature adults and live terrestrially for approximately three years. These croc newts have bred in both aquatic enclosures with floating cork bark and a terrestrial enclosure with a large water reservoir. It was interesting to observe that when kept permanently in a mostly aquatic enclosure, the animals rarely ever ventured into the water; yet, when kept in a semi-aquatic enclosure, they will go swimming much more frequently. For a breeding group of three animals, the enclosure should be 36 inches long, 18 inches wide and 18 inches tall.
Red-Eared Crocodile Newt (T. taliangensis)
Tylototriton taliangensis is another large croc newt species. In Reves' experience, wild-caught imports of this species do not acclimate as easily as those previously mentioned. However, red-eared crocodile newts are hardy once established. Small numbers are reported to be bred in Europe every year, but we are not aware of any documented in the U.S.
Reves has maintained a group for approximately four years now. He has tried several enclosure designs, including mostly aquatic, shallow semi-aquatic and the current enclosure, which is a 65-gallon aquarium half filled with soil. A 5-gallon plastic container sunk flush with the soil is used as a water reservoir. A sponge filter along with weekly partial water changes helps maintain water quality. Live pothos grow on the land section and cork bark slabs serve as shelters. The animals frequently enter the water. For the last several years Reves has observed amplexus like behavior in the springtime, but eggs have yet to be produced. He suspects that the biggest factor causing this is the lack of a sharp temperature drop in the winter. There are several methods to artificially hibernate captive salamanders, including putting them in the refrigerator and placing them in a garage in areas that experience cold winters. Every winter, the pros and cons are considered when thinking about potentially losing rare animals due to the stress of artificial hibernation compared to successfully inducing them to spawn.
It is our hope that regular offerings of captive-bred Tylototriton offspring will become common place.
Foster Reves is a registered nurse, martial artist, husband and father of one. He has kept and bred a variety of herps, fish and invertebrates for more than 35 years.
Dawn Osselmann, Ph.D., has been involved in the salamander hobby for seven years. She is a moderator on caudata.org, the largest and longest running newt and salamander forum.
Beukema, Wouter (2010). Personal communication.
Macke, Jennifer (2010). Personal communication.
Sparreboom, Max (2009). Salamanders of the Old World : An Online Catalogue.
Big Boxes 1727 Frog & Amphibian Breeding 48 Z_Import Misc 603
AUTHOR: Dawn Osselmann


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redpajama_set_name: RedPajamaGithub


Beautiful Heart in Heat inlay in a Elm Burl music box. Made in Sorrento Italy. Plays to the tune of "Love Story" but for an additional $15.00 you can customize it and pick your own tune from our selection. Measures 5.25 x 4.


2019-04-02_fredrick ramond retail m SAVE TODAY: Use code RAMOND at checkout and save 15% on lighting by Fredrick Ramond. Limited time only.
Rustic-chic in design, the Middletown Flush Mount Ceiling Light captures a historical feel with its solid distressed weathered ash wood construction and iron rust finish. Pear-shaped wood finial adds elegance to the fixture that hangs either inside our just outside the wooden frame.


Piero Incisa della Rocchetta tosses boiled potatoes with a mixture of butter and olive oil and roasts them until they're tender inside, crunchy outside.
Preheat the oven to 375°. In a pot of salted water, boil the potatoes over moderately high heat until tender, 25 minutes. Drain and let cool slightly. Peel the potatoes and cut them in halves or thirds. Combine the oil and butter and toss with the potatoes on a large rimmed baking sheet. Spread the potatoes in an even layer, season with salt and pepper and roast for about 1 hour, until browned. Serve hot.


A large, long-tailed game bird. Males have rich chestnut, golden-brown and black markings on their body and tail, with a dark green head and red face wattling. Females are mottled with paler brown and black markings.
They were introduced to the UK long ago and more recent introduction have brought in a variety of races and breeds for sport shooting.