text:
M. F. HUSSAIN – Secular Holy Cow or Market-Driven Peddler?
via Courtesy: http://voxindica.blogspot.com published on November 20, 2009
ART IS BIG BUSINESS
The organisers of India Art Summit 2008 decided to exclude MFH's paintings from the displays for fear of protests by Hindu organisations. Even in the 2009 summit MFH's paintings were officially excluded. The exhibition was conducted between August 22 & 24 last year at Pragati Maidan in New Dlehi.
After this SAHMAT (Safdar Hashmi Memorial Trust) went ahead and conducted its own exhibition of MFH's paintings. Some Hindu organisations did protest and reproductions of some paintings were reportedly damaged.
The secular brigade was up in arms against the government for not being able to protect an international art exhibition.
For the left-wing (euphemism for communist-backed, anti-Hindu) SAHMAT it is routine to mark its protest against activities of Hindu organisations.
However, the narrative is not as simple or innocent as it seems.
For the organisers of India Art Summit, the stakes are high, for art is big business. Art pieces are high value currency in the world of billionaires. Art, art valuations, restoration of antique art pieces, forgeries, espionage and intrigues – all comprise a multi-billion dollar industry.
Hammer MS & L, the organisers of the India Art Summit, say media reports, estimated the Indian Art market to be of the order of Rs 1500 crore in 2008 and growing at a phenomenal 35% year on year. Also according to these reports Phillip Hoffmen who owns sixteen art funds across the world averred that twenty billionaires – with deep pockets and willing to splash $ 100 million (Rs 450 crore) each – were prowling the world art markets.
A possible disruption of high commerce might have forced the organisers of the art summit to exclude MFH's paintings. Could the same market forces be driving the media frenzy in the subject?
MEDIA DEBATES
There have been 'debates' in Indian news channels on the eve of M. F. Hussain's ninety-fourth birth day and after news about Indian government's efforts to bring back M. F. Hussain from a self-imposed exile in Dubai was reported. Ostensibly the debates were to discuss about freedom of expression, government's inactivity to intervene to protect the organisers in holding the India Art Summit and MFH's court cases.
That the media debates were purely one-sided needs no mention. Chandan Mitra on NDTV and Praful Goradia on Times Now, presumably invited to voice the Hindu view point were not allowed to get in a word edgewise. They were there merely for form.
Akhil Sibal, M. F. Hussain's high profile lawyer had the run of the debates on two channels. Looking suitably modest for a victor in two courts and a heart bleeding for the cause of freedom of expression, he wallowed with pity for a civil society that has not been standing up for freedom of expression – for his client.
Poornima Sethi, who represented one of the petitioners in the Delhi High Court, or Vinayak Dixit, Nishant Katneshwarkar, Sunil Kumar Verma advocates who argued the case in the Supreme Court were conspicuous by their absence! If they were invited, their presence or participation – if indeed they were allowed to participate – would have complicated the debate/s.
In another debate, Seshadri Chari was roundly snubbed by Anjolie Ela Menon who refused to even consider his view point. A while ago, Menon announced her secular credentials, when in a Letter to the Editor of Outlook – obviously celebrities too write letters to the editors – she took umbrage against the former CEC, Gopalaswamy for wearing the 'thirunamam' on his forehead, but that is another matter. For her, Hussain was doing along fine in Dubai enjoying himself with fast cars, chaperoned by fast girls (the channel showed a clipping) and is not very keen to come back.
A pearl of wisdom she dropped for the benefit of viewers was that Hindu gods and goddesses were never clothed till Raja Ravi Varma came along and clothed them! All those descriptions in scriptures, of gods and goddesses wearing silken robes and ornaments studded with precious stones were made up by the twenty-first century 'Internet Hindutva brigade' the new foil for the 'Sangh Parivar' in the lexicon of left-liberal intelligentsia!
The debates on the issue, in general, were replete with half-truths and untruths freely bandied about and to use Richard Nixon's famous quote, fairly economised with the truth!
FREQUENTLY RAISED ISSUES
I: The paintings are not viewed by many. In fact they are for the delectation of a minuscule minority who have a taste for them. Why should the majority object to them?
Fact: The test of minuscule-minority consumption could equally be applied to recreational drugs. Should we legalise them?
I: There are erotic sculptures in Hindu temples. Why should people object to erotic art?
Fact: Only a handful of temples out of the millions that exist in the country contain erotic art. The Hindus do not worship these sculptures but they do Durga, Saraswathi and Sita, the subjects of Hussain's nude paintings. The antecedents of erotic bas-reliefs in temple architecture are social and not religious.
I: A group of eminent persons nominated MFH for an award of the Bharat Ratna.
Fact: They seem to have done this more to express their solidarity with MFH under attack from the aggrieved Hindus than with any serious intent.
Would they – or other champions of freedom of expression like SAHMAT – be willing to nominate Dan Brown or Tasleema Nasrin for a Sahitya Akademy award or the Danish cartoonist for a similar honour?
For the record, this article does not support either the American novelist or the Bangladeshi writer or the Danish cartoonist inasmuch as they hurt the religious sentiments of Christians or Muslims.
I: MFH has not painted any Hindu gods or goddess – in the nude – in the last thirty or forty years. The current imbroglio is because of purely political reasons and nothing else.
Fact: The information super highway, popularly known as the internet is less than fifteen years old, at least in India. MFH's paintings were displayed on his website, http://www.mfhussain.com/, which is currently not accessible, presumably because it has been withdrawn. Quite a few who are aghast at MFH's paintings were able to reproduce them on other websites, to show how offensive they were.
If one were to pose a hypothetical question, if someone committed a heinous crime thirty or forty years ago which has come to light only now, should he be exonerated on the score of the crime's antiquity?
Fact: MFH did a painting for Deccan Chronicle which the paper published on March 8, 2009 on the occasion of the International Women's Day. The painting was entitled 'Shakti'. In order to remove any doubt that the woman in the painting was of an urban professional by name Shakti – but of the goddess Shakti – the woman was shown standing astride a tiger. However, this time Hussain deigned to clothe the goddess – in a tee-shirt, jeans and shoes, probably as a concession to the Internet Hindutva brigade!
I: MFH considers nudity as the purest form of expression.
Fact: Does it mean MFH does not find purity anywhere else except in Hindu gods and goddesses.
I: The Supreme Court of India heard and dismissed criminal cases against MFH. As the SC is the court of last resort in India everyone should respect its judgement and let the matter rest.
Fact: The SC has pronounced its judgement in an appeal against a Delhi High Court judgement. The DHC judgement pertains to several criminal cases transferred to it by the SC and not against MFH's paintings in general (see below).
According to the SC record (accessible from the internet), the apex court 'Heard' and 'dismissed' the Special Leave to Appeal (Crl) No(s).6287/2008 on September 8, 2008.
Any thing else reported in the media is an obiter dictum, (dicta in plural), an opinion voiced by a judge that has only incidental bearing on the case in question and is therefore not binding.
The following observations of the CJI were obiter dicta: "There are so many such subjects, photographs and publications. Will you file cases against all of them?" and "It (Husain's work) is art. If you don't want to see it, then don't see it. There are so many such art forms in the (Hindu) temple structures." The secular media latched on to these obiter dicta and widely publicised them.
[The DHC judgement, while summing up the status of obscenity laws in various countries explains Section 292 of the Indian Penal Code (1860) and lists certain exceptions to its applicability. One of these relates to "any representation sculptured, engraved, painted or otherwise represented on or in – (i) any ancient monument within the meaning of the Ancient Monuments and Archaeological Sites and Remains Act,1958 (24 of 58), or (ii) any temple, or any car used for the conveyance of idols, or kept or used for any religious purpose."]
If a statute contains certain exceptions, does it not follow that the exceptions could not be or should not be used as precedents in defence of alleged violations of the selfsame law? Were not these very same erotic representations in engraved sculptures in ancient monuments, archaeological sites and remains – which are listed as exceptions in the statute – used as the principal alibi for defending the nude paintings of gods and goddesses? The supreme irony of the situation seems to have been lost on all stakeholders in the dispute!
Another instance of obiter dictum is Justice Markandeya Katju's observation, "Talibanisation of the country cannot be permitted" in the recent case of Md. Salim a class X student vs. Nirmala Convent School (in Madhya Pradesh's Vidisha district). Md. Salim was rusticated by the school for refusing to remove his beard. He approached the HC and then the SC both of which dismissed his case. On a revision petition, the judge apologised for his obiter dictum and excused himself from the case. The revision petition was heard by another bench which ruled in Md. Salim's favour.
I: The Delhi High Court exonerated MFH of all culpability in all the criminal cases filed against him.
I: While dismissing the criminal cases, Justice Sanjay Kishan Kaul of the DHC observed, "A painter at 90 deserves to be in his home painting his canvass!"
Fact: On a petition by MFH the SC transferred cases in various courts (Pandharpur, Maharashtra; Rajkot, Gujarat; Indore and Bhopal, Madhya Pradesh) to the DHC to be heard together.
Many complainants of the original cases were not able to appear before the DHC. This is probably because the complainants in remote locations can not afford to engage high profile lawyers who charge by the clock to fight cases in far away Delhi.
For the wealthy MFH there were no such constraints and he was able to engage a battery of the best lawyers in Delhi.
Fact: The secular media picked up the last sentence of the 130-paragraph, 29-page judgement and went to town with it, as if the rest did not matter. The following observations of the Honourable Justice were airbrushed:
"In my considered view, the alleged past misconduct of the petitioner cannot have any bearing on the present case because there has been nothing which has come on record to prove the converse.
"It is made clear that the paintings depicting Hindu Gods / Goddesses in nude by the petitioner do not form a subject matter of the present case and as such the learned counsels have been unable to bring to the notice of this court any cases/complaints pending or decided in this regard to go against the petitioner.
"The persons who may feel aggrieved by those set of paintings have an appropriate remedy in law to get their rights redressed.
"Hence, commenting on those paintings would be prejudging the said paintings and passing a verdict on the same thus prejudicing the rights of the accused/petitioner." (Para 103)
I: On what grounds could the DHC judgement be faulted or termed flawed?
Fact: The following sources the learned judge used as reference points for drafting the judgement are indicative of a certain ideological perspective.
1. Excerpted from Hindutva: Exploring the Idea of Hindu Nationalism, Jyotirmaya Sharma, Penguin Books India, Viking, accessible from: http://www.hinduonnet.com/lr/2003/12/07/stories/2003120700100100.htm.
2. Love and Lust – An anthology of Erotic Literature from Ancient and Medieval India; Pavan K. Verma Sandhya Mulchandani; Harper Collins Publishers. 2004.
3. Prudes take charge in India, The Independent (London), Jun 7, 1998; Peter Popham accessible from:
http://findarticles.com/p/articles/mi_qn4158/is_19980607pnum=2andopg=n14161393.
The Hindu of Madras and The Independent of London are known to be staunchly left-leaning. In many instances, The Hindu refused to entertain alternative view points even in its Letters to the Editor columns. As for Pavan K. Verma, it is a well known fact that in India it is difficult for any except the left-leaning authors to be published.
Fact: Seventeen of the twenty sources cited by the learned judge are from internet sources. Therefore the omission of the following pertaining to a case which is an exact parallelto the instant case was surprising:
1. Freedom of religion and other beliefs. (1994). Otto-Preminger-Institut v. Austria, (13470/87) [1994] ECHR 26 (20 September 1994). Accessible from: http://www.hrcr.org/safrica/religion/Otto.html
2. Otto Preminger Institute V Austria. (1994). Otto Preminger Institute v. Austria. ARTICLES: 10; 26. Accessible from: http://www.mediator.online.bg/eng/ottopr_e.htm
Fact: The DHC judgement seems to have largely relied on the following internet source
Freedom of Art under seige In India. Pallabi Ghosal, accessible from: http://www.legalserviceindia.com/articles/re_ind.htm.
The typo in 'siege' is as in the website. The article was written by Pallabi Ghosal – 4th year NLIU, Bhopal, presumably a fourth year law student of NLIU, Bhopal at the time. The quote from Pablo Picasso, the references to Shiva Linga as Prakruti and Purusha, erotic representations in temple architecture, and some of the cases cited in the judgement – are from this article.
Fact: The DHC judgement explains at length Article 19 of the Constitution of India which provides for freedom of expression. Clause (2) of the article "allows the State to impose restriction on the exercise of this freedom in the interest of public decency and morality."
The judgment comments on this: "A bare reading of the above shows that obscenity which is offensive to public decency and morality is outside the purview of the protection of free speech and expression, because the Article dealing with the right itself excludes it." (Para 46 & 47)
"Obscenity without a preponderating social purpose or profit cannot have the Constitutional protection of free speech or expression. Obscenity is treating with sex in a manner appealing to the carnal side of human nature or having that tendency. Such a treating with sex is offensive to modesty and decency." (Para 67)
It is difficult to reconcile these observations with the conclusion of the judgement. For instance, how could one conclude that the paintings in question do not offend public decency and morality; they achieve the preponderating social purpose or profit and do not appeal to the carnal side of human nature or having that tendency?
And why was the following plea of the respondents brushed aside? "The valuable and cherished right of freedom of expression and speech may at times have to be subjected to reasonable subordination to social interests, needs and necessities to preserve the very core of democratic life preservation of public order and rule of law" (Para 83)
In August 2009, Yale University Press in the US published a scholarly work entitled, "The Cartoons that Shook the World" by Professor Jytte Klausen. In spite of protests from Yale alumni and the American Association of University Professors, the publishers of the book felt obliged to expunge reproductions of the cartoons along with all other images of Prophet Muhammad.
Nearer home, the Indian government did its best to scuttle the production of the movie, 'Indian Summer' based on the historical work, 'Indian Summer: The Secret History of the End of an Empire'. This was because the portrayal of the well documented Nehru-Edwina romance would hurt the personal sentiments of one family.
In the case of YUP, it was pragmatism that drove it to expunge objectionable material. In the case of the Indian government it was sycophancy that drove it to placate to the ego-centrism of a family.
Should not the sentiments of a billion Hindus count in the debate on freedom of expression? The debate in general does not seem to have addressed some fundamental questions:
· Is artistic freedom absolute? Or, are there no limitations to artistic freedom?
· Could a painter 'express his adoration for the highest form of purity' by 'painting' a living being – a celebrity for instance?
· Or, does an artist's 'expression for the highest form of purity' applies only to Hindu gods and goddesses?
· What about the freedom of expression of those who are offended by MFH's paintings?
· Do they or do they not have the freedom to practice their religion with dignity?
Artistic Freedom & Social Responsibility, accessible from:
http://voxindica.blogspot.com/2007/06/artistic-freedom-social-responsibility.html
Deccan Chronicle Apologises – Hussain Doesn't! accessible from:
http://voxindica.blogspot.com/2009/04/oscar-awards-ceremony-this-year-was.html
Obiter Dicta on Artistic Freedom & Social Responsibility, accessible from:
http://voxindica.blogspot.com/2008/09/did-delhi-high-court-grant-m-f-hussein_13.html
A man is great by deeds, not by birth. - Chanakya


Baking soda has been used for medicinal purposes since ancient times. Its use provides great relief in certain skin conditions. Through this article, we will learn how to ease eczema with baking soda treatment.
Baking soda has always been an item in the first aid kit for treating skin injuries and scalding. It is known to prevent blistering and development of scars. When baking soda is mixed with water, the resulting endothermic reaction and its mild antiseptic properties make it useful for treating skin irritations. Baking soda has several medicinal uses, not to mention its easy availability and low cost. This makes it the ideal candidate for home remedies for several skin disorders, teeth whitening and even acid reflux. Eczema is a non-contagious skin disorder that manifests as itchy red patches on the affected parts of the skin. It is a condition that affects people of all age groups, including infants. Eczema treatment focuses on reducing the skin inflammation and providing relief from itching. The antiseptic properties of baking soda are very effective for treating rashes caused by eczema.
Please note: Baking Soda and Baking Powder (used in cake recipes, etc.), are not the same. The product we are referring to, in this article, is baking soda, also known as bicarb soda or sodium bicarbonate. Ensure that you're buying the correct product as this confusion is widespread.
Although baking soda is gentle on the skin, please take the following precautionary measures before taking a baking soda bath for the first time.
Everyone's skin texture is not the same. If you have sensitive skin that is usually prone to allergies from even mild skin care products, do not use baking soda in your bath.
Even if you have never had any other skin allergy, the eczema itself can make the affected area sensitive. It is better to test with a dilute mixture on a small part of the rash. If the redness of the rash increases or becomes uncomfortably itchy, it is better not to use baking soda in your bath. This test must be done while bathing babies in baking soda as their skin is naturally sensitive. If you notice an instant reaction while doing the test, dilute the mixture further. Typically, it is not known to make eczema rashes worse, but it is better to be careful.
Just as you would do with any cleansing product, it is essential to moisturize your skin after a baking soda bath so your skin does not dry out and become scaly.
If you're bathing a baby in baking soda, ensure that the baby does not swallow the bath water. Ingestion of baking soda in high quantities is known to cause headache and nausea even in adults. Simply exercise extra care while bathing the baby and ensure to expose only parts affected by eczema to the bath solution. Once done, pat the baby dry quickly so that it does not start to lick the solution off its arms and feet.
In addition to eczema, if you have a pre-existing heart or kidney condition, ensure you do not accidentally swallow the bath solution as its high sodium content may cause other health problems.
If you're a diabetic with a tendency to develop infection or bleeding on the smallest cuts and wounds, do not try baking soda on your eczema patches.
Method to Make a Baking Soda Bath: Eczema patients can add half a cup of baking soda to a full bath. Ensure that the water is not uncomfortably hot. Also, see to it that you take a brief bath. Prolonged exposure may cause excessive dryness. For bathing babies and young children you might want to start with an even diluted solution and gradually increase the concentration to half a cup, if need be. It is interesting to note, that a baking soda bath also provides relief from diaper rash in babies. Following the bath, ensure to rub the affected areas with a mild moisturizer. Do not use any chemical skin cream or other harsh products. Wear clothing with natural fibers like cotton.
Applying in Paste Form: Alternatively, make a paste of baking soda and water and apply liberally on the affected areas to relieve itching. Wash off after a few minutes and dab some moisturizer.
You will find several sites on the Internet enlisting remedies for eczema as well as using baking soda for several other ailments (including cancer). It is better to take all this information with a pinch of salt and not blindly try everything you come across. We would advise that you pay attention to the points of caution mentioned above even with using baking soda for external application.
Disclaimer: This article is purely for informative and educational purposes and in no way intends to substitute medical advice for eczema treatment.


These logo's are for the exclusive use of members to relevant organisation.
Convention testimonials Helenka Sapiecha: had a great time @TheSocieties convention in london, grateful to have a fullhouse at 8.30am for my masterclass! same time next year folks?


Jill Goldenziel (Lecturer, Harvard College and BU Law), and Professors Richard Holden and Rosalind Dixon (University of New South Wales) are looking to hire 2 or more HLS student research assistants. Their project studies whether judges are more likely to be activist or exercise restraint when it is easier to override them. It will use US state constitutions and judicial decisions as a "laboratory" for analyzing this issue. Successful applicants will be involved in reading and coding state appellate court decisions to identify when courts invalidate legislation for inconsistency with relevant state constitutions. We encourage applications from law students with a background and interest in constitutional law and/or US politics/government. Prior research experience in economics, political science, or related fields may be helpful, but is not required. Those interested should e-mail jgolden at fas.harvard.edu ASAP with a brief statement of interest in the body of the e-mail, a CV, a short writing sample (~5 pages, can be an excerpt), and names and contact information for 2 references.


Using rice cooker to cook Higgins Worldly Cuisine? - Real Cockatoo Facts!
You are not logged in. [Log In] Mytoos Forums Diet Using rice cooker to cook Higgins Worldly Cuisine?
#251751 - 04/30/13 09:26 PM Using rice cooker to cook Higgins Worldly Cuisine?
My M2 loves all varietys of Higgins Worldly Cuisine. I have an electric stove, so I have to pay close attention when cooking it - taking the pot off the stove every 30-40 seconds to avoid it boiling over or over cooking and sticking to pot (how I wish I had a gas stove).
I just bought a rice cooker, and am thinking - hmm, this should work for the bird's food. Has anyone tried this?
I line the bottom of large ice cube trays (about 2" cubes) with some veggies, spoon the Higgins into the trays, and freeze. This makes super convenient blocks of food which is especially appreciated by my pet sitter and husband when I'm not around.
I've never tried it in a rice cooker. Let us know how it turns out.
Finally had the chance to try it out tonight - used Creamy Zin. MIxed response from me - it was a bit "wetter" than usual but still stuck like crazy to bottom of rice cooker pan. I may try a non rice variety (Creamy Zin is basmati rice based), but I think I'm back to the constant attention to cooking over the stove.
The M2 food tester thought it was yummy!
I've never had much luck in cooking those "mixes". The breads/muffins seem to work for me better. Any of the rice mixes always came mushy and not appealing to the birds or me. If I wouldn't eat it, I'm not giving it to them.
Another finicky flock today. Gave them some plain, bland white rice. Everyone loves it. Go figure. Tried it in the past and it was hit and miss.
I'm a cyclist, and have been cooking up lots of "potables" from the Feed Zone author. These are foods like rice and polenta cakes made to be easily consumed while riding your bicycle. The great news is that most of these recipes are also great for birds (note - a few have chocolate and should not be given to birds). I bought the rice cooker to make these potables, but am finding that the M2 is liking them as much as me.
That's very interesting. I want to try some of them, thank you!
That is awesome. I have found pastas to also be easy to work with veggies and my birds all love them. It just matters how small you cut them up versus the bird size. Rice works well, too, but pasta seems to be more enjoyed. Is there any issues with pasta vs. the rice?
I use my rice cooker and the top tray while cooking the rice I steam the frozen mixed veggies with spinach and what ever else I have ie speckled butter beans and when all done I mix it all together...and feed Ms Shug some in the evening with sometimes some shredded cooked chicken..


Faience Noire Salle De Bain #3 - Carrelage Termin233 Dans La Salle De Bain 2 Notre Maison was uploaded in May 29, 2018 at 4:43 am. If you wish to use this file as your PC background, you should tap the download link below or you may just right click on the picture above , then choose "Save Image As" to download the Faience Noire Salle De Bain #3 - Carrelage Termin233 Dans La Salle De Bain 2 Notre Maison or by pick the "Set Desktop Background As" options if your browser has that option. If you could not get the the most wonderful image you are looking for, you need to go for "Search Column" at top right or browse other picture backgrounds which you like. This picture has the photo size is 383kB and the resolution of 1536x2048. Faience Noire Salle De Bain #3 - Carrelage Termin233 Dans La Salle De Bain 2 Notre Maison has been seen by 38 viewers and it is a picture from Faience Noire Salle De Bain.


text:
package org.apache.camel.swagger;

import java.util.ArrayList;
import java.util.Collections;
import java.util.Comparator;
import java.util.LinkedHashSet;
import java.util.List;
import java.util.Locale;
import java.util.Map;
import java.util.Set;

import io.swagger.converter.ModelConverters;
import io.swagger.jaxrs.config.BeanConfig;
import io.swagger.models.Model;
import io.swagger.models.ModelImpl;
import io.swagger.models.Operation;
import io.swagger.models.Path;
import io.swagger.models.RefModel;
import io.swagger.models.Response;
import io.swagger.models.Swagger;
import io.swagger.models.Tag;
import io.swagger.models.parameters.BodyParameter;
import io.swagger.models.parameters.FormParameter;
import io.swagger.models.parameters.HeaderParameter;
import io.swagger.models.parameters.Parameter;
import io.swagger.models.parameters.PathParameter;
import io.swagger.models.parameters.QueryParameter;
import io.swagger.models.parameters.SerializableParameter;
import io.swagger.models.properties.ArrayProperty;
import io.swagger.models.properties.Property;
import io.swagger.models.properties.RefProperty;
import io.swagger.models.properties.StringProperty;
import org.apache.camel.model.rest.RestDefinition;
import org.apache.camel.model.rest.RestOperationParamDefinition;
import org.apache.camel.model.rest.RestOperationResponseMsgDefinition;
import org.apache.camel.model.rest.RestParamType;
import org.apache.camel.model.rest.VerbDefinition;
import org.apache.camel.spi.ClassResolver;
import org.apache.camel.util.FileUtil;
import org.apache.camel.util.ObjectHelper;

/**
 * A Camel REST-DSL swagger reader that parse the rest-dsl into a swagger model representation.
 */
public class RestSwaggerReader {

    /**
     * Read the REST-DSL definition's and parse that as a Swagger model representation
     *
     * @param rests             the rest-dsl
     * @param route             optional route path to filter the rest-dsl to only include from the chose route
     * @param config            the swagger configuration
     * @param classResolver     class resolver to use
     * @return the swagger model
     */
    public Swagger read(List<RestDefinition> rests, String route, BeanConfig config, String camelContextId, ClassResolver classResolver) {
        Swagger swagger = new Swagger();

        for (RestDefinition rest : rests) {

            if (ObjectHelper.isNotEmpty(route) && !route.equals("/")) {
                // filter by route
                if (!rest.getPath().equals(route)) {
                    continue;
                }
            }

            parse(swagger, rest, camelContextId, classResolver);
        }

        // configure before returning
        swagger = config.configure(swagger);
        return swagger;
    }

    private void parse(Swagger swagger, RestDefinition rest, String camelContextId, ClassResolver classResolver) {
        List<VerbDefinition> verbs = new ArrayList<>(rest.getVerbs());
        // must sort the verbs by uri so we group them together when an uri has multiple operations
        Collections.sort(verbs, new VerbOrdering());

        // we need to group the operations within the same tag, so use the path as default if not configured
        String pathAsTag = rest.getTag() != null ? rest.getTag() : FileUtil.stripLeadingSeparator(rest.getPath());
        String summary = rest.getDescriptionText();

        // add rest as tag
        Tag tag = new Tag();
        tag.description(summary);
        tag.name(pathAsTag);
        swagger.addTag(tag);

        // gather all types in use
        Set<String> types = new LinkedHashSet<>();
        for (VerbDefinition verb : verbs) {
            String type = verb.getType();
            if (type != null) {
                if (type.endsWith("[]")) {
                    type = type.substring(0, type.length() - 2);
                }
                types.add(type);
            }
            type = verb.getOutType();
            if (type != null) {
                if (type.endsWith("[]")) {
                    type = type.substring(0, type.length() - 2);
                }
                types.add(type);
            }
        }

        // use annotation scanner to find models (annotated classes)
        for (String type : types) {
            Class<?> clazz = classResolver.resolveClass(type);
            appendModels(clazz, swagger);
        }

        // used during gathering of apis
        List<Path> paths = new ArrayList<>();

        String basePath = rest.getPath();

        for (VerbDefinition verb : verbs) {

            // the method must be in lower case
            String method = verb.asVerb().toLowerCase(Locale.US);
            // operation path is a key
            String opPath = SwaggerHelper.buildUrl(basePath, verb.getUri());

            Operation op = new Operation();
            // group in the same tag
            op.addTag(pathAsTag);

            // add id as vendor extensions
            op.getVendorExtensions().put("x-camelContextId", camelContextId);
            op.getVendorExtensions().put("x-routeId", verb.getRouteId());

            Path path = swagger.getPath(opPath);
            if (path == null) {
                path = new Path();
                paths.add(path);
            }
            path = path.set(method, op);

            String consumes = verb.getConsumes() != null ? verb.getConsumes() : rest.getConsumes();
            if (consumes != null) {
                String[] parts = consumes.split(",");
                for (String part : parts) {
                    op.addConsumes(part);
                }
            }

            String produces = verb.getProduces() != null ? verb.getProduces() : rest.getProduces();
            if (produces != null) {
                String[] parts = produces.split(",");
                for (String part : parts) {
                    op.addProduces(part);
                }
            }

            if (verb.getDescriptionText() != null) {
                op.summary(verb.getDescriptionText());
            }

            for (RestOperationParamDefinition param : verb.getParams()) {
                Parameter parameter = null;
                if (param.getType().equals(RestParamType.body)) {
                    parameter = new BodyParameter();
                } else if (param.getType().equals(RestParamType.form)) {
                    parameter = new FormParameter();
                } else if (param.getType().equals(RestParamType.header)) {
                    parameter = new HeaderParameter();
                } else if (param.getType().equals(RestParamType.path)) {
                    parameter = new PathParameter();
                } else if (param.getType().equals(RestParamType.query)) {
                    parameter = new QueryParameter();
                }

                if (parameter != null) {
                    parameter.setName(param.getName());
                    parameter.setAccess(param.getAccess());
                    parameter.setDescription(param.getDescription());
                    parameter.setRequired(param.getRequired());

                    // set type on parameter
                    if (parameter instanceof SerializableParameter) {
                        SerializableParameter sp = (SerializableParameter) parameter;

                        if (param.getDataType() != null) {
                            sp.setType(param.getDataType());
                        }
                    }

                    // set schema on body parameter
                    if (parameter instanceof BodyParameter) {
                        BodyParameter bp = (BodyParameter) parameter;

                        if (verb.getType() != null) {
                            String ref = modelTypeAsRef(verb.getType(), swagger);
                            if (ref != null) {
                                bp.setSchema(new RefModel(ref));
                            }
                        }
                    }

                    op.addParameter(parameter);
                }
            }

            // if we have an out type then set that as response message
            if (verb.getOutType() != null) {
                Response response = new Response();
                Property prop = modelTypeAsProperty(verb.getOutType(), swagger);
                response.setSchema(prop);
                response.setDescription("Output type");
                op.addResponse("200", response);
            }

            // enrich with configured response messages from the rest-dsl
            for (RestOperationResponseMsgDefinition msg : verb.getResponseMsgs()) {
                Response response = null;
                if (op.getResponses() != null) {
                    response = op.getResponses().get(msg.getCode());
                }
                if (response == null) {
                    response = new Response();
                }
                response.setDescription(msg.getMessage());
                op.addResponse(msg.getCode(), response);
            }

            // add path
            swagger.path(opPath, path);
        }
    }

    private Model asModel(String typeName, Swagger swagger) {
        boolean array = typeName.endsWith("[]");
        if (array) {
            typeName = typeName.substring(0, typeName.length() - 2);
        }

        for (Model model : swagger.getDefinitions().values()) {
            StringProperty modelType = (StringProperty) model.getVendorExtensions().get("x-className");
            if (modelType != null && typeName.equals(modelType.getFormat())) {
                return model;
            }
        }
        return null;
    }

    private String modelTypeAsRef(String typeName, Swagger swagger) {
        boolean array = typeName.endsWith("[]");
        if (array) {
            typeName = typeName.substring(0, typeName.length() - 2);
        }

        Model model = asModel(typeName, swagger);
        if (model != null) {
            typeName = ((ModelImpl) model).getName();
            return typeName;
        }

        return null;
    }

    private Property modelTypeAsProperty(String typeName, Swagger swagger) {
        boolean array = typeName.endsWith("[]");
        if (array) {
            typeName = typeName.substring(0, typeName.length() - 2);
        }

        String ref = modelTypeAsRef(typeName, swagger);

        Property prop = ref != null ? new RefProperty(ref) : new StringProperty(typeName);
        if (array) {
            return new ArrayProperty(prop);
        } else {
            return prop;
        }
    }

    /**
     * If the class is annotated with swagger annotations its parsed into a Swagger model representation
     * which is added to swagger
     *
     * @param clazz   the class such as pojo with swagger annotation
     * @param swagger the swagger model
     */
    private void appendModels(Class clazz, Swagger swagger) {
        RestModelConverters converters = new RestModelConverters();
        final Map<String, Model> models = converters.readClass(clazz);
        for (Map.Entry<String, Model> entry : models.entrySet()) {
            swagger.model(entry.getKey(), entry.getValue());
        }
    }

    /**
     * To sort the rest operations
     */
    private static class VerbOrdering implements Comparator<VerbDefinition> {

        @Override
        public int compare(VerbDefinition a, VerbDefinition b) {

            String u1 = "";
            if (a.getUri() != null) {
                // replace { with _ which comes before a when soring by char
                u1 = a.getUri().replace("{", "_");
            }
            String u2 = "";
            if (b.getUri() != null) {
                // replace { with _ which comes before a when soring by char
                u2 = b.getUri().replace("{", "_");
            }

            int num = u1.compareTo(u2);
            if (num == 0) {
                // same uri, so use http method as sorting
                num = a.asVerb().compareTo(b.asVerb());
            }
            return num;
        }
    }

}

redpajama_set_name: RedPajamaGithub


text:
Opinion: The news out of Kamloops, one year on
The federal government responded to the news and like usual made a mess of things.
Daniel Sims May 26, 2022 5:13 AM
The former Kamloops Indian Residential School is seen on Tk'emlups te Secwépemc First Nation in Kamloops, B.C. on Thursday, May 27, 2021. Federal New Democrats are calling for an emergency debate in the House of Commons on the recent discovery of the remains of 215 children on the grounds of the former Kamloops Indian Residential School.THE CANADIAN PRESS/Andrew Snucins
On 27 May 2021 the Tk'emlups te Secwépemc First Nation announced the discovery of 215 unmarked graves at the Kamloops Indian Residential School. This announcement spurred on work already being conducted at a number Indian residential school sites across Canada attempting to find unmarked graves. And even though a 50-meter banner had already been unveiled in 2019 containing the names of 2,800 students who had died while attending these institutions, many people were caught by surprise.
For some it brought into perspective the Indigenous experience in Canada and promoted positive change. Others, however, took it upon themselves to argue that it was fake news and/or that Indian residential schools were not designed to rob Indigenous children of their language and culture. Indeed, just as the German documentary Theresienstadt used smiling Jews in 1944 to try to disprove the horrors of the Holocaust, The Dorchester Review posted Indigenous children on a slide in June to try to prove children were happy at Indian residential schools.
It apparently did not matter to them that Sir John A. MacDonald said the goal was assimilation when he implemented the system in 1880s. He was clearly lying, just like the vast majority of Canadian historians who released a statement on 30 June 2021 stating the treatment of Indigenous peoples fully warrants the use of the word "genocide." Nor did it matter that more and more unmarked graves have been found across the country. Still, it should be clear that as time has passed these announcements have not carried the same weight or received the same amount of attention.
The federal government responded to the news and like usual made a mess of things. Phyllis Jack Webstad's Orange Shirt Day became the statutory National Day for Truth and Reconciliation holiday and while it is great to have another day off, it also means for most people they will not be wearing an orange shirt to school or work on that day. As such, it subverted what started out as a grassroots movement, and all thanks to a prime minister who showed his true feelings about the matter by taking a vacation to Tofino on that day.
That this happened should come as no surprise to anyone aware of the fact that the federal government was at the time fighting a human rights tribunal ruling ordering them to compensate Indigenous children mistreated by child and family services. Actions truly do speak louder than words, and the one remarkable thing about Justin Trudeau is that the other parties keep on losing to him for some inexplicable reason.
Locally the focus was on the Lejac Indian Residential School, an institution infamous among those who study Indian residential schools for the death of four students in 1937 on Fraser Lake. Suddenly people wanted to know what happened, who knew, and how do we move forward? And while some people seemed concerned about protecting the legacy of Bishop Fergus O'Grady and/or their own reputation, for local First Nations the emphasis was on the survivors, their families, and moving forward in a healthy way.
To this end, there was a three-day event at the site in June and currently the search is underway for unmarked graves on the former school grounds. No doubt an announcement will shortly be made and it will be interesting to see how people react, especially with regard to the future of O'Grady Road.
And finally, there is the Pope's apology to First Nations, Inuit, and Métis delegates on 1 April 2022. Long demanded, it was anti-climactic to many and meaningless to others. Of course, many apologies are. Actions speaker louder than words. It did not help that he only apologized for the role of a number of Catholics. Still, he did describe the abuses that occurred as antithetical to the Gospel, a view officially shared by the churches involved in the system, and he is expected to visit in July, and might even take part in the Lac Ste. Anne Pilgrimage west of Edmonton, an event that regularly draws more than 30,000 participants, most of them Indigenous.
Only time will tell what comes of this visit, or indeed the more recent visit of the Archbishop of Canterbury, but it is clear that the news out of Kamloops in May 2021 changed things.
Will it be for the better?
Daniel Sims is a First Nations Studies professor at UNBC and a member of the Tsay Keh Dene First Nation.
'This is a painful reminder': Carrier Sekani Tribal Council reacts to Kamloops Residential School discovery
'This is just the beginning': Hundreds gather in Prince George to support residential school survivors

redpajama_set_name: RedPajamaCommonCrawl


text:
Do I Need To File A Tax Return For Irrevocable Trust?
Who pays taxes on irrevocable trust income?
How can I protect my money from Medicaid?
Who owns the property in a irrevocable trust?
How long can an irrevocable trust last?
How do I file an irrevocable trust with the IRS?
What is the downside of an irrevocable trust?
What happens to an irrevocable trust when the grantor dies?
Are irrevocable trusts a good idea?
Does a trust file a tax return?
How is income from an irrevocable trust taxed?
Can IRS go after irrevocable trust?
Can you sell a house in an irrevocable trust?
Do you have to file a 1041 if there is no income?
Can a nursing home take money from an irrevocable trust?
Can you withdraw money from an irrevocable trust?
Can a trustee remove a beneficiary from an irrevocable trust?
Does an irrevocable trust avoid estate taxes?
A non-grantor trust pays income tax at the trust level on any taxable income retained by the trust.
If a trust makes a distribution to a beneficiary, such distribution will pass the taxable ordinary income (but generally not capital gains) to the beneficiary, to be taxed on the beneficiary's personal income tax return..
An irrevocable trust allows you to avoid giving away or spending your assets in order to qualify for Medicaid. Assets placed in an irrevocable trust are no longer legally yours, and you must name an independent trustee.
Irrevocable trust: The purpose of the trust is outlined by an attorney in the trust document. Once established, an irrevocable trust usually cannot be changed. As soon as assets are transferred in, the trust becomes the asset owner. Grantor: This individual transfers ownership of property to the trust.
To oversimplify, the rule stated that a trust couldn't last more than 21 years after the death of a potential beneficiary who was alive when the trust was created. Some states (California, for example) have adopted a different, simpler version of the rule, which allows a trust to last about 90 years.
Separate Taxation An irrevocable trust must file Form 1041 with the IRS, and must prepare Schedule K-1 for each beneficiary who received a distribution from the trust during the tax year. The trustee does not have to file Schedule K-1 with the IRS, but must distribute a copy to each beneficiary.
So, if one were to state the primary disadvantage of an irrevocable trust is that once the assets are added into the Trust, the Trustor/Grantor no longer has access to the estate.
When the grantor of an individual living trust dies, the trust becomes irrevocable. This means no changes can be made to the trust. If the grantor was also the trustee, it is at this point that the successor trustee steps in.
Simply put, it's a way to save money on your tax bill. An irrevocable trust may also limit your estate's vulnerability to creditors. If you die with debt, your assets can be sold off to creditors to pay it off. If you want to pass along your estate to your heirs, like your children, an irrevocable trust might help.
A: Trusts must file a Form 1041, U.S. Income Tax Return for Estates and Trusts, for each taxable year where the trust has $600 in income or the trust has a non-resident alien as a beneficiary. … Thus, the grantor/individual would pay the total tax liability upon the filing of his return for that taxable year.
An irrevocable trust reports income on Form 1041, the IRS's trust and estate tax return. Even if a trust is a separate taxpayer, it may not have to pay taxes. If it makes distributions to a beneficiary, the trust will take a distribution deduction on its tax return and the beneficiary will receive IRS Schedule K-1.
Irrevocable Trust Irrevocable trusts file their own tax returns, on Form 1041. If you don't pay next year's tax bill, the IRS can't usually go after the assets in your trust unless it proves you're pulling some sort of tax scam. … If it doesn't pay, the IRS might be able to lien the trust assets.
Answer: Yes, a trust can buy and sell property. … However, Medicaid qualifying irrevocable trusts can, and should, be drafted to allow the Grantor to maintain a lot of control over assets in the trust.
Form 1041 is not needed if there is less than $600 of gross income, there is no taxable income and there aren't any nonresident alien beneficiaries.
A revocable living trust will not protect your assets from a nursing home. This is because the assets in a revocable trust are still under the control of the owner. To shield your assets from the spend-down before you qualify for Medicaid, you will need to create an irrevocable trust.
The trustee of an irrevocable trust can only withdraw money to use for the benefit of the trust according to terms set by the grantor, like disbursing income to beneficiaries or paying maintenance costs, and never for personal use.
As the name suggests, a discretionary trust is discretionary — the trustee has no obligation to distribute trust assets to any particular beneficiary. However, if you do wish to remove someone as beneficiary, you can do so by executing a deed of variation.
A transfer to an irrevocable trust over a certain threshold may be subject to gift tax. … Assets held in an irrevocable trust are not included in the grantor's taxable estate (passing to the grantor's designated beneficiaries free of estate tax).
Question: Why Do Employers Not Respond To Applications?
What to do if you apply for a job and don'
Quick Answer: How Much Can I Borrow From HDB?
How can I qualify for HDB loan? Eligibility for HDB
Question: How Long Are PPI Claims Currently Taking?
How long does a PPI claim take from start to finish?
Question: Does 98 Octane Clean The Engine?
Does 98 fuel clean your engine? There is a 95RON octane
Question: What Is Korah In The Bible?
Who is Izhar in the Bible? According to the Torah


Austin Business Lawyer: When Are Job Hunting Expenses Income Tax Deductible ?
When Are Job Hunting Expenses Income Tax Deductible ?
If you are looking for a job in the same line of work, you may be able to deduct some of your job search costs.
Time Between Jobs. You can't deduct job search expenses if there was a long break between the end of your last job and the time you began looking for a new one.
Schedule A. You normally deduct your job search expenses on Schedule A, Itemized Deductions. Claim them as a miscellaneous deduction. You can deduct the total miscellaneous deductions that are more than two percent of your adjusted gross income.
Premium Tax Credit. If you receive advance payments of the premium tax credit, it is important that you report changes in circumstances – such as changes in your income, a change in eligibility for other coverage, or a change of address – to your Health Insurance Marketplace. Advance payments are paid directly to your insurance company and lower the out-of-pocket cost for your health insurance premiums. Reporting changes will help you get the proper type and amount of financial assistance so you can avoid getting too much or too little in advance.
For more on job hunting refer to Publication 529, Miscellaneous Deductions. You can get IRS tax forms and publications on IRS.gov/forms at any time.


text:
Datacenter connectivity
Network and ICT providers
Application and platform connectivity
About AFIBER
Fremantle selects AFIBER for state-of-art media network
Fremantle, one of the world's largest producers of television programs, has opted for a media transport ring and a high-quality internet service from AFIBER. Fremantle creates well-known programs such as 'Farmer wants a Wife,' 'RTL Boulevard,' 'Holland's Got Talent,' and 'Great British Bake Off' for RTL Nederland and NPO, among others'.
Fremantle creates, develops, produces, and distributes more than 12,000 hours of programs per year in more than 30 countries. Fremantle is also a global player in digital and branded entertainment, with more than 370 million subscribers on 1,500 social media channels and more than 100 billion views across all platforms. For more information, visit fremantle.nl
Fremantle uses state-of-the-art AVID™ media production and distribution technology. These platforms play an essential role as a "media production factory" and support the Fremantle team in turning creativity into programs. The AVID platform spans a broad portfolio of software and hardware for program production, including audio/video production applications, audio/video management and storage, and network equipment for media transport and distribution.
Audio and video media are collected on servers at the Media Park in Hilversum and edited by video editors at the Fremantle location in Amsterdam. To use these types of remote applications, the platform demands a lot from the underlying network. Apart from continuously high throughput (bit rate), the delay time (latency), in this case, is less than 0.5 milliseconds, and the delay time variation must be practically zero.
This ensures that the applications with which video content is edited respond as quickly as possible, which enhances the user experience and productivity of employees. In addition, the network must support the network protocols specific to the AVID platform – the network must be "transparent" to anything the AVID network equipment attempts to transmit.
It is, of course, highly undesirable for TV broadcasts and online media streaming to be interrupted by network failures. To meet these needs, AFIBER designed a diverse (redundant) fiber optic media transport ring for Fremantle between the Fremantle location in Amsterdam and the Mediapark with a separate connection to the media archive in the data center.
The project was expanded with high-quality Internet connections with a peak capacity of up to 2×10 Gbps over two separate fiber-optic routes during the investment phase. As a result, Freemantle's online platforms' load capacity and response time, the upload speed of large media files to media partners, and the user experience of employees in the office have been greatly improved.
Mark van Rooijen, Manager ICT & Facility at Fremantle
"Until recently, Fremantle used providers of generic network services for its connections. These connections were used to send the media streams for Fremantle productions to the MediaPark in Hilversum for directing, broadcasting, and distribution to TV viewers and viewers via online media. This was not an ideal solution because these networks are not transparent to all protocols and cannot always meet the latency and bitrate requirements at full load. This can directly affect our production platforms' image quality or user experience. With AFIBER, Fremantle has more than achieved its primary goals, and the addition of data center connections enables secure and high-quality connections with our media and platform partners. I appreciate AFIBER's thinking along and personal attention in all phases of this project."
https://www.afiber.net/wp-content/uploads/2022/04/Fremantle_NL.mp4
Remco Kaphorst, CTO and co-founder at AFIBER
"This was a beautiful and challenging project to realize in a short time. Fremantle demanded that the media transport between the Fremantle site and the Mediapark would run over two completely separate paths and equipment. To realize these connections, it was necessary to bring in new fiber-optic connections to the Fremantle building and provide them with two separate entries in the building to connect them to our network. By doing so, the risk of loss of transmitted media due to physical causes is reduced to almost zero. Fremantle was also looking for a solution for its deep archive that safely stores all productions from the past. The wish was to find a separate backup location for the deep archive, preferably in a data center, because the facilities there against, for example, unauthorized access, power failures, and fire are at a very high level. All in all Fremantle now has a very robust solution running. I want to thank all teams for the pleasant cooperation in this project."
Are you interested in fibre optic connections for demanding business applications or distribution of audio and video in The Netherlands? Please contact olivier.ten.wolde@afiber.net
AFIBER is an independent provider of fiber optic connectivity for business customers and service providers. We help organizations with the delivery and management of high-quality networks between branches, data centers, cloud providers, and providers of network and IT services.
AFIBER offers business customers fiber optic coverage in a large part of the Netherlands. This fiber optic network is connected to the main data centers and various regional and national fiber optic networks. This enables us to make an independent choice for our customers for the right connectivity for your company network.
Networks for business-critical applications.
Network en ICT providers


The Visitor Information Center is located in the heart of baggage claim and is open from 8:30 am – 11:00 pm daily. The knowledgeable staff is happy to assist guests with finding Georgia and South Carolina attractions, turn-by-turn directions, transportation advice, mailing a package, Georgia lottery sales and sending a fax.
Contact the Visitor Information Center directly at (912) 966‑3743 or contact us.


The hunt for startup ideas is often portrayed as pure magic. The thing is, in today's society we are trained to see things as they've alwasy been done and to not look for new methods. We are told to focusd on one particular task, so we spend a TON of time becoming an expert at this task. While this promotes value and efficiency, it does not encourage thinking outside the box or process improvement.
We just don't take the time that we should to step back from our current task, re-evaluate, and see if there are ways to improve.
Our society as a whole is not trained to look for new ideas. Somewhere down the line we were told to grow up and get real by taking on responsibilities (see why you shouldn't do this) and focusing our efforts on a single task or skill.
Seriously though, we need to retrain our brains to notice real-world problems. You may not be good at it initially, heck, I'm still not good at it and I've been spending the last year working to reframe the way I look at processes and ideas!
My friend and former Iron Yard Instructor, Mason, told me that he spends most of his time pacing in his living room. Sometimes he'll do this for 2+ hours, not speaking or writing anything down, just thinking and pacing. At first, I thought this was a little odd, but then I realized that this was his way of looking at problems from a differnt angle to find new and innovative solutions. While I'm not necessarily advocating you take this approach, I am suggesting you find a scenario that allows you to look at your own problems through a fresh lens.
Creating the magic can be challenging, so I've made a list of a few strategies. One is my own, another is from Paul Graham (By now you should be noticing that I think this guy is a great resource), and then another is from Brad Feld. Brad is actually coming out with a book in March of 2015 specifically on the subject of coming up with ideas and validating them in March; you should check it out.
You've probably heard this before. Essentially, the goal is to solve a problem you yourself are faced with. Sounds pretty simple. The problem is that the low hanging fruit, so to speak, has already been taken. I'm not saying there aren't new ideas to be had, but most of the obvious ones have already been used.
This is an interesting one that I learned from Paul Graham. So, What the heck does it mean to "live in the future?" It requires you to be at the forefront of an industry, seeing the innovations firsthand. As you watch problems being solved with through these breakthroughs, you may also begin to see where these new solutions have problems of their own. This creates fertile ground for your startup idea. This is the strategy I used in my experiment. Stay tuned beacuse I'll be revealing my idea in the next article.
Last but not least, is my own strategy. As I mentioed earlier, we are trained by our culture to settle into a particular job or field, and specialize. It seems to me however, that there is opportunity in diverse experiences. What if you take the skills and problems solving from one career and move to a completely different field. I don't just mean a different job but truely a new career. Chances are you will bring fresh perespective and perhaps begin to see deficiencies or problems waiting to be solved in both your new and old field. You just have to be aware. Your new field may be struggling with a problem that has been long since solved in your old one or vice versa. By just stepping outside of the box into something unfamiliar, you may come face to face with your startup idea.
I hope so. The magic is at your fingetips; startup ideas are there for the taking.
Next up on the blog, I will walk through the strategies I used to settle on my own startup idea.
Older PostShould You Start a Startup?


text:
Thomas A. Bryant, Sr.
Plant a tree in memory of Thomas
Obituary of Thomas A. Bryant, Sr.
The Bryant, Lawshe, Guard and Graziosa families, with heavy hearts and tear-filled eyes tell of the peaceful passing of their patriarch and hero, Thomas A. Bryant, Sr. on Wednesday, May 6, 2020 at the NJ Firemen's Home in Boonton, NJ.
Please join the family as they celebrate his life on Tuesday, May 12 th at 11:00 am with a procession through our town. Join neighbors and friends on Lane and Westville Avenues as we say our goodbyes to our beloved, Tom.
Born in Morristown, NJ to Carrell and Lillian (Carey) Bryant, Tom graduated from Grover Cleveland High School, Class of 1949, and joined the United States Navy during the Korean War, serving from 1951-1955 aboard the USS Newport News.
Upon his return he entered the ranks of the West Caldwell Police Department where he faithfully served from 1955 until his retirement as Sergeant in 1981. Tom also served the community on the West Caldwell Volunteer Fire Department and West Essex First Aid Squad.
His dedication to God, Country and Community was a direct connection to his family, for whom the world revolved. The strong legacy of commitment and character that Tom and Mary Lou bestowed is still evident in the generations of the Bryant, Lawshe, Guard and Graziosa families in our community today.
He was predeceased by the love of his life, Mary Lou Bryant (Williams) in 2018, and brother David Bryant. Tom is survived by his brothers Carrel Bryant and Jim Bryant, as well as his sister Alice Watters. Also surviving are his devoted children and their spouses, Lori and Jeff Lawshe, Karin and Michael Guard, Dona and Vinnie Graziosa and Thomas and Stephanie Bryant; cherished grandchildren, Michael and his wife Alyscia, Derek, Christopher and Maggie Lawshe; Hunter and 2nd LT USAF Sawyer Guard; Vincent, Gina and Matthew Graziosa; Thomas III, Taylor and Ashleigh Bryant.
Donations in Tom's honor to the West Caldwell Police Department Sunshine Fund, 21 Clinton Road, West Caldwell, NJ 07006, West Caldwell Volunteer Fire Department, 6 Fairfield Avenue, West Caldwell, NJ 07006 or the West Essex First Aid Squad, PO Box 662, West Caldwell, NJ 07007-0662 (www.westessexfas.org) would be appreciated (address and links on funeral home website). The Codey & Jones Funeral Home of Caldwell is proud to serve the family. Please share a memory or story about Tom with the family at www.codeyjonesfh.com.
A Memorial Tree was planted for Thomas
We are deeply sorry for your loss ~ From the staff at Codey Funeral Home


text:
<?php defined('_LINDEX') or die('STOP in file ' . __FILE__);

$mainframe = MainFrame::getInstance();

// подключаем вспомогательный класс
$module->get_helper($mainframe);

// выводим модуль
$module->helper->getHTML($params, $module);


text:
/*
 * To change this template, choose Tools | Templates
 * and open the template in the editor.
 */
package edu.wpi.first.wpilibj.templates.commands;

/**
 *
 * @author Developer
 */
public class OurCompressorOff extends CommandBase {

    public OurCompressorOff() {
        requires(compressor);
        // Use requires() here to declare subsystem dependencies
        // eg. requires(chassis);
    }

    // Called just before this Command runs the first time
    protected void initialize() {
    }

    // Called repeatedly when this Command is scheduled to run
    protected void execute() {
        compressor.compressorOff();
    }

    // Make this return true when this Command no longer needs to run execute()
    protected boolean isFinished() {
        return false;
    }

    // Called once after isFinished returns true
    protected void end() {
    }

    // Called when another command which requires one or more of the same
    // subsystems is scheduled to run
    protected void interrupted() {
    }
}


Efficiency of Electrostatic Separation of Minerals from Coal as a Function of. Size and Charge Distributions of Coal Particles. K B Tennal, D. Lindquist, M. K.
Heavy Minerals 2005, Society for Mining, Metallurgy, and. Exploration actual performance of a mineral separation plant is electrostatic HT roll separators.
Mar 7, 2013 Electrostatic separator The electrostatic separator are classified into two main The plate separators used for separating mineral sands ie.
separator in mineral processing of chalcocite and bornite ores supported with statistical analysis of The principle of particles separation in electric field.
3 STET Belt Separator = Dry Flotation ? 4 STET Beneficiation of minerals with an environmentally Existing Drum Electrostatic Separators can only separate.
4.2.3 Separating Minerals by Electrostatic Beneficiation. Minerals (There's no change in physical or chemical identity; there's only separation of minerals.).
Electrostatic and high tension separators utilise the different electrical conductivity of minerals to separate and concentrate the desired commodity.


text:
0:25Skip to 0 minutes and 25 secondsThere were loads of insights. I think to start with we worked on the basic kind of, what's the sort of age breakdown of our customers? Where are they coming from? What sort of economic background do they come from? what, why do they want to come racing? But it's now become very much more detailed you know, so we know when they're interested in booking, we've looked at the tie, the pricing of our fixtures and also our pricing strategy has changed, to reflect when people want to buy. So that we can raise the awareness of the fixture well enough in advance, so that we can maximize sales for the event.
1:05Skip to 1 minute and 5 secondsSo that's been a big shift in our strategy and we now sell most of our events all year round. But we change the pricing, dependent on when we think that the biggest level of interest will be generated and for our biggest fixtures that can be six months ahead of the event, for our quieter fixtures it can be just a week before. But always incentivizing, kind of buying earlier, which then generates the word of mouth, which then generates a greater level of interest and ticket purchasing closer to the event.
1:38Skip to 1 minute and 38 secondsSo that's really been a fantastic journey for us and I think it adds, delivers, great value for the customers that are loyal, because they hear about the sort of the tickets first. But it also means that we can communicate with them for a longer period of time, hopefully they then arrive knowing more about what to expect and can enjoy their day. So I think that just a communication around the pricing strategy, started to show that we needed to increase that awareness, so that people could see the value of signing up to our newsletter, so they would be the first to hear about the best price.
2:13Skip to 2 minutes and 13 secondsI think that that took time and it took a certain, there was a certain risk for us to change the sort of pricing strategy and have these different steps when the pricing would increase, but that two three years down the line is really reaping rewards. So it's been worth it. The first price, best price strategy, only works with data, because you need to be able to communicate to your customers who are loyal to you, to give them the opportunity to buy at the best price and that would be impossible if we weren't able to gather the data in the first place. So that's been the most valuable result that we've had, because obviously commercially the pricing strategy has to work.
2:58Skip to 2 minutes and 58 secondsWe can't afford to sell all our tickets at the cheapest price, but the growth in the ticket sales is now coming through, as a result of introducing five pounds, ten pounds, sort of discounts. We try not to use the word discount, we try to use first price, best price, to return value to our loyal customers. But ultimately they are able to buy a ticket, sometimes up to fifteen pounds cheaper, by buying it six months in advance, than leaving it to the day. Now, that has a significant benefit, not only does it increase word-of-mouth and therefore the ability to grow the sales in the lead up to the event.
3:34Skip to 3 minutes and 34 secondsBut we're an outdoor event and obviously weather has a huge part to play in, in the success of our sales. But by encouraging race goers to buy in advance, even if it rains on the day, we've kind of got those sales in, you know in before the weather has... can destroy the event, which you know twenty years ago, a wet wet Sunday was you know, all our sales would have been walk-up and so you just you're constantly trying to safeguard your event, through the use of data and early ticket sales.
4:08Skip to 4 minutes and 8 secondsWhich has is definitely working, weather still plays a part, but we have now shifted the majority of our sales to advanced sales now and the percentage of walk-ups is smaller and smaller every year.
Data and your visitors - selling in advance
A first source of data in any business is often the customer information you have. In this video you will hear from Musselburgh Racecourse about how they used visitor data to improve their sales by introducing a "first-price best-price" strategy.
While watching the video, focus on what Sarah says about:
How visitor data has informed this strategic shift.
The risks and rewards of advanced sales.
Why data is crucial in the pursuit of a selling in advance strategy.


Beautiful 3bd, 2ba, 2cg home in Lindale school district. Builder is out doing himself with the amazing finishes such as wood floors, granite counter tops and subway back splash. This home will offer a large open concept living area and kitchen giving you plenty of entertaining space for the holidays! Smart features allow you to control the heat, ac, lights and garage from your phone! Master bathroom will have his and her sink with lighted makeup mirror. Master bedroom with vaulted ceilings and wonderful walk in closet. And lets not forget the on the spot location in the heart of Lindale.


Mickey Mouse – the most famous mouse in history, was created because Walt Disney himself was afraid of mice!
From a black and white character to the colorful spectacle we know and love today, he certainly has interesting growth.
For example, did you know Mickey Mouse originally had a tail?
On top of that, he was created to replace another similar character, Oswald the Lucky Rabbit. It seems Mickey was definitely a successful choice.
Here's the history of Mickey Mouse, in a pretty interesting video, hope you enjoy these facts!


Monolith Design Group is a professional Design Studio specializing in modern housing and commercial building design. Founded in 1999 by Los Angeles native and UC Berkley College of Environmental Design and Architecture Graduate, Damian LeMons; Monolith has gained a reputation in Southern California of providing customer centric experiences. Conscious communication and teamwork from the creative process, through construction and completion, is our unique approach to every project. With our clients we explore the possibilities to the most engaging design and space that meet their particular style.
Drawing inspiration from art, travel and culture, we form new interpretations; always honoring the modern ethos of form follows function. Monoliths project works stand as a testament to the studios design philosophy that minimal style does speak volumes.
By integrating the use of innovative materials, newer technologies and sustainable strategies; Monolith is a forerunner in environmentally responsible building. Monolith collaborates with an assembly of experienced fabricators, contractors, designers and manufacturers. This network of resources provides us the ability to source a wide range of design options and tackle various design challenges, while meeting critical deadlines and budgets.
Our aim is to deliver a high level of modern design, while meeting our client's needs and vision. Together we create the best possible context in which to experience your life.


Speaking to a full house in Calgary, Notley spoke about fighting for this great city and the amazing, diverse, and hardworking people who live here and across our province.
I'm really excited for this one. Watch live at 12:15. We're getting together in Calgary and we're excited to keep fighting for this great city and the amazing, diverse, and hardworking people who live here and across our province.


TPS Technitube is one of the leading manufacturers and stockiest of Tubes & Pipes.
TPS Technitube Röhrenwerke GmbH manufactures seamless heat exchanger tubes in highest quality.
TPS Technitube Röhrenwerke GmbH carries the biggest stock of seamless heat exchanger tubes in Europe.
Seamless Boiler & Seamless Furnace Tubes for high temperature and pressure applications can be delivered by TPS Technitube Röhrenwerke GmbH.
TPS Technitube Röhrenwerke GmbH offers a large range of seamless line pipes.


text:
You are here: Home › Alliance Group and Living Benefits Awareness Month
Alliance Group and Living Benefits Awareness Month
LAWRENCEVILLE, Ga., Jan 05, 2022 (SEND2PRESS NEWSWIRE) -- Alliance Group launched their fifth annual Living Benefits Awareness Month, or LBAM, to be observed throughout the month of January 2022.
The industry-wide campaign, which takes place each January, aims to educate consumers on the importance of owning Living Benefits life insurance and the role it plays in protecting families' financial security.
Living Benefits are features built into life insurance policies (term and permanent) that allow the policyholder access to their death benefit while they're still alive if they get sick or injured. Cancer, heart attack, stroke, major organ transplant, blindness, paralysis, and chronic illness are some of the triggering events that would allow for acceleration of the policy's death benefit.
"Getting sick no longer means certain death," says Samuel Howe, CMO of Alliance Group. "People are surviving longer, which is great news, but survival requires treatment, and treatment requires money. Having emergency access to your life insurance policy's death benefit while you're still alive is a hugely valuable option to have."
He adds, "More people should know about that option. That's why we created Living Benefits Awareness Month five years ago, and we're so excited about building on that success in 2022."
According to Howe, consumers can get a better idea of what LBAM is all about by visiting the website geared towards educating the general public on Living Benefits.
The address for the site is: https://www.alliancegrouplife.com/site/lbam.
MEDIA CONTACT: Peter Goldfine, Dir. Of Digital Innovation | 678.969.9000 | info@alliancegrouplife.com
VIDEO (Vimeo): https://vimeo.com/491677929
News Source: Alliance Group
Related link: https://www.AllianceGroupLife.com/
This press release was issued on behalf of the news source, who is solely responsible for its accuracy, by Send2Press Newswire. To view the original story, visit: https://www.send2press.com/wire/alliance-group-and-living-benefits-awareness-month/
Alliance Group, AP, Business, Finance, Georgia Business, Insurance, LAWRENCEVILLE, Ga., life insurance policies, Living Benefits Awareness Month, senior citizens
Oregon Youth Soccer Makes a Five Year Commitment to Grow Participation with U.S. Soccer Connect
Drug-Free World volunteers in Italy: In the Fight Against Drugs, Education is the Most Effective Weapon


text:
SCMP
HKEJ
Rekindling HK's Magic
Housing Problem
Has HK Lost Its Magic
Public Housing (HK & China)
Invited Lectures, Seminars And Conferences
Education and Human Capital
Competition Bill
What is Corporate Social Responsibility? – Three Stakeholder Views Corporate Social Responsibility: Meeting Social Needs in Hong Kong
Corporate Social Responsibility from the Perspective of Underdevelopment in the Middle East
By YueChim Richard On 2011/06/03 · Add Comment · 2,645 views
This is the third of four articles in the series on corporate social responsibility (CSR). In the previous two weeks, I considered the economic and management approaches to CSR. In this week, I use the experience of the Middle East to illuminate the economic and social consequences of a society that failed to develop the corporation.
In the 16th century living standards in the Middle East, loosely defined to include North Africa and the Balkans, were well advanced compared to Europe. Informed reports at that time did not consider Islam inimical to wealth creation or the region's institutions harmful to economic activity. By the late 18th century the region had become relatively backward. Economic output per person fell behind Western Europe. In the late 20th century it fell behind parts of East Asia as well.
In the late 18th century Western Europe became more hospitable to growth than other regions. The Industrial Revolution marked the period of deploying mass production based on new technologies. Western Europe had the organizational means to exploit the new technologies that emerged. England, the Low Countries, and the rest of the region could finance mass production. The modern corporation could mobilize the savings of large numbers and channel them into large projects. And they could pool the labor and capital of those large numbers into corporations that might continue in business for generations and in perpetuity.
These are capabilities now taken for granted, but they posed immense challenges in the Middle East. The new technologies were easily transferable, but the organizational capabilities to use the technologies were not. Professor Timur Kuran makes a convincing case for why the failure to develop the modern corporation contributed crucially to centuries of economic stagnation in the Middle East. As a consequence, the region not only failed to develop economically over time, but also failed to meet the population's changing social needs.
Two critical factors prevented institutional innovation: the region's law of commercial contracts and its distinct form of trust, the waqf (教產). The waqf is an inalienable religious endowment in Islam, typically denoting a building or plot of land for Muslim religious or charitable purposes. Both institutions were elements of Islamic law. Neither had changed significantly over the previous millennium and did not do so until the 19th century when faced with new global realities.
By the start of the second millennium, the Islamic law of contract enabled the pooling of labor and capital through partnerships. Under the system enforced through Islamic courts, investors could finance merchants and producers to undertake profit-oriented ventures. Islamic law did not put any limits on the number of people who could contribute labor or capital to a commercial partnership nor restrict how long that partnership would last. The typical partnership involved two people: a passive investor and an active laborer on a mission lasting a few months. Their profit shares were set in advance and losses were shared up to a point. The active partner carried unlimited personal liability, while the liability of the passive partner was limited. In particular, the latter risked only the capital he had placed at the partnership's disposal.
Initially, Islamic partnerships did not hinder Middle Eastern capabilities in exchanges with Westerners. Essentially the same partnerships were used throughout the Mediterranean basin. Islamic partnership contracts were enforceable over a vast area stretching from Morocco and Spain to India and Indonesia. In the 12th-century, the institutions governing partnerships in Venice did not differ fundamentally from those of Baghdad.
An Islamic partnership was not what we now call a corporation. Lacking legal standing, it had no independent perpetual existence or life of its own. If a partner died before the contract had been fulfilled, the partnership ended, the assets were divided, and the deceased's share was distributed among his or her heirs. Whether the interrupted business activity was restarted depended on the prevailing inheritance system.
According to the rules of the Islamic inheritance system, outlined in the Qur'an, two-thirds of any estate is reserved for children, parents, spouse(s), and possibly other relatives. For any category of relatives, the share of a female equals half that of a male. Thus, a daughter gets half as much as a son, and a sister half as much as a brother.
By medieval standards, this system was remarkably egalitarian. It did not allow a parent to favor one child over others. No relative entitled to a share could be disinherited. On the downside, the system made it difficult to keep property intact from one generation to the next. Consequently, successful businesses tended to fragment after their founder's death.
Successful businessmen were most likely to have many heirs, if only because they tended to have multiple wives. So the death of a partner was especially problematic if he was a successful businessman, in that untimely termination was especially likely to end a business partnership.
To reduce the risks of a premature dissolution of business partnerships, their members limited the size and duration of the partnership's business agenda. Thus, merchants, producers and investors could all minimize their risks by keeping their partnerships small and short-lived.
In the Middle Ages, premature dissolution also posed problems in Western Europe. However, inheritance practices differed between the Christians and Muslims. The Bible does not explicitly specify an inheritance system. This meant there was much more room for experimentation. In some places in Western Europe, including those that led the Industrial Revolution, a common practice was primogeniture, under which a deceased's business could fall in its entirety to his oldest son. Primogeniture greatly reduced the risks of premature partnership termination. It allowed a partner to pre-commit credibly to having a son take over in the event that he himself could not continue. It made it profitable, therefore, to form large businesses expected to last for years, as opposed to mere months.
In the West, precisely because businesses expanded and gained longevity, pressures arose to develop more advanced commercial institutions. Thus, standardized accounting methods were developed to facilitate communication among growing numbers of business partners. Stock markets developed to provide liquidity to people who invested in long-lived enterprises.
In the Middle East, such innovations did not occur because the demand for organizational change was absent until the 19th century. Where partnerships are ephemeral and limited to at most a few people, no pressing need arises for double-entry bookkeeping because it is relatively easy for partners to agree to a simple accounting system of their own. Likewise, there is no demand to establish formal equity markets as an instrument of liquidity because shares in ephemeral businesses are already liquid. The persistent smallness of traditional Middle Eastern businesses also limited the division of labor.
In the course of the second millennium, the West developed the capacity to form businesses with hundreds, eventually even thousands, of employees and shareholders. Some of these businesses lasted for many generations and by virtue of their long histories, they came to be very widely known. The Middle East fell behind the West in this crucial respect. Few Middle Eastern businesses could compete with Western enterprises and commerce fell increasingly under the control of Westerners. The Middle East only began to initiate wide-ranging institutional reforms in the mid-19th century, by which time the region was already far behind the West.
There is another channel by which the failure to develop modern corporations has had an enduring effect. At the start of the 20th century, partly because private capital accumulation was limited, civil society – the part of the social system outside direct state control – was weak. The resulting political vacuum allowed, even compelled, states to take the lead in economic development. State-centered development programs have resulted in large bureaucracies and sharp limits on private economic freedoms. Even today, adaptations to global economic realities are slowed and hindered by the political weaknesses of civil society. When public monopolies fell into the politicians' private hands over time widespread corruption and crony capitalism emerged.
The other Islamic institution that played an enormous role in the Middle East's economic evolution is the waqf, which is an unincorporated trust established under Islamic law and overseen by Islamic courts. The founder of a waqf is an owner of private immovable property – land or buildings. The purpose is to provide a service allowed under Islamic law. A waqf may be established to support a mosque, a school, an orphanage, a park, a lighthouse, a region's water supply, or a road, among other possibilities. Whatever the nature of the service, it must be provided in perpetuity.
In the pre-modern Middle East, the waqf permitted individuals to supply, in a decentralized manner, a wide variety of public goods now commonly provided by governments. In some respects it formed an admirable system: precisely because of its lack of centralized control, it was responsive to local needs.
Over many centuries, vast resources flowed into what became the waqf sector. By 1700, depending on the region, waqfs controlled between a quarter and half of all real estate. Their income was used partly to provide social services. In 1700, when Istanbul had a population of around 700,000, 30,000 people were fed each day through waqf financed soup-kitchens. Most of the centuries-old structures that tourists now admire – fountains, inns, mosques, schools, bathhouses, hospitals, even certain markets – are structures built and then operated for centuries through waqfs.
The waqf is not among Islam's original institutions. A key motivation for it appears to have been the quest for economic security. In the 8th and 9th centuries, when the waqf system took shape, private property was insecure throughout the Middle East, as elsewhere in the Christian world. Arbitrary taxation and outright expropriation threatened high officials, who were major landowners. These officials did what wealthy people still do: they looked creatively for a wealth shelter.
Early Muslims adopted the idea of a charitable trust and developed it into a distinct and ingenious institution under a religion-sanctioned identity. Regardless of the service it provided, a waqf was therefore looked upon as sacred. Establishing a waqf was considered an act of piety. Given this belief rulers were hence reluctant to tamper with waqf assets.
The founder obtained inner satisfaction, social prestige and, in addition, significant material returns. He could appoint himself as the trustee and manager of the waqf for life. He could set his own remuneration, appoint relatives and friends to salaried positions, and designate his successor. The last privilege even allowed him to circumvent Islam's inheritance rules.
This institution provided identifiable benefits to diverse political players, which is one reason it lasted so long. The wealthy obtained from the state a credible promise of material security. For its part, the state could collect taxes without providing much in return, other than law and order; cities would run on services provided by the wealthy through the waqf. Finally, the average person benefited from various subsidized services. This was a system that encouraged philanthropy and responded to local conditions. The system was bound, therefore, to generate political coalitions with a stake in its continuation. Once in place, it would be preserved. The waqf assumed social responsibility without establishing itself as a corporation and existed outside the direct control of the state.
For all its strengths, this system had economic drawbacks, which became increasingly serious over time. The functions of a waqf had to be fixed in perpetuity. Thus, the waqf was meant to be a rigid organization. In the Middle Ages, when consumption patterns and business opportunities were very slow to alter, the costs of such rigidity were limited.
As technologies and patterns of global comparative advantage started rapidly evolving, the fixed perpetuity rule that locks the use of capital rigidly resulted in huge inefficiencies. Indeed, major waqfs in the Middle East became conspicuously dysfunctional in the 18th and 19th centuries. Their vast resources could not be easily transferred to new waqfs, or moved outside the waqf sector, in order to provide new public goods, or supply old ones more efficiently.
The unintended costs of the waqf system were not limited to rigidities in the supply of social services. It also hindered the development of civil society. The ingredients of a strong civil society are freedom of association and organizational autonomy. The waqf system provided a form of associational freedom, at the expense of organizational autonomy. The discretion of a waqf trustee was substantially more limited than that of a corporate manager.
The waqf was developed in the Middle East as an antidote to predatory states and unreliable property rights. In the West, a weaker central authority allowed corporations to emerge as more powerful self-governing bodies to provide protection for property rights from an arbitrary state. Corporations were free to set their own agenda in a manner that was unavailable to a waqf that was bound by the trust deed set by the founder. These two separate institutional outcomes set the two regions on divergent organizational paths. The divergence continued well into the 19th century.
In the19th and early 20th centuries diverse reformers worked to dismantle the waqf system. They were motivated partly by a quest for resources to finance their modernization projects. Another motivation was to reduce the deadweight of the waqf system because of its rigidities. In the process of this political struggle the power of the state grew enormously at the expense of civil society and private freedoms.
From the very start Islam did not discourage commerce. In the medieval era the Middle East was as friendly to merchants as anywhere. Its businessmen dominated several of the world's major long-distance trade routes. Islam spread to the Far East and Africa not through the sword but primarily through trade. Vast numbers of conversions to Islam were motivated by the lure of joining Middle Eastern trade networks. Islamic commercial institutions dominated all these areas. But these institutions remained stagnant for centuries and the modern profit-making corporation failed to emerge from within Islam. It had to be belatedly transplanted from the West. The non-corporate, non-profit waqf system provided a rigid perpetual arrangement to meet social needs that became increasingly ossified as those needs began to evolve over time.
Timur Kuran, The Long Divergence – How Islamic Law Held Back the Middle East, Princeton University Press, 2011.
此文章还有以下语言版本:Chinese (Simplified), Chinese (Traditional)
YueChim Richard on My Romance with the University of Chicago
Yuhui Wu on My Romance with the University of Chicago
Hilton Root on China's Path to Modernization: Barrington Moore and Beyond
Robert Woo on Barrington Moore on Why Communism Triumphed in China
gl on Why the Minimum Wage Harms the Economy?


Becoming a parent involves a complete change in lifestyle, namely a lack of sleep! In addition to planning your new baby's future, you may need to make adjustments in your insurance plan - in particular, your life, disability and health insurance.
Readjustment Fund - This may be used to cushion the immediate lifestyle adjustment that your family must make if you died. Your family may be forced to move, or your spouse might have to look for a new job. In addition, if your spouse already works, he or she may find it difficult to return to work immediately after your death. The readjustment fund allows for adequate bereavement due to loss.
Supplemental Income - After the readjustment period, there should be a consistent income stream to help pay for your family's living expenses, such as mortgage payments, monthly bills, and daycare.
Educational Funds - Adequate funds should be available for your children's' education. This might include elementary school, high school, and college.
Retirement Fund -There should also be adequate funds available to ensure that your spouse can retire comfortably.
For a better idea use, our life insurance needs calculator to help you estimate how much life insurance you require.
There are two major types of life insurance, term and permanent life insurance. Term insurance is the least expensive coverage you can obtain if your life insurance needs are between 1 and 30 years. If you've just had a baby then your life insurance needs will last for at least the next 20 to 25 years. A level term policy with guaranteed premiums is a good option. Permanent life insurance is more appropriate if your need for life insurance is greater than 30 years.
Disability insurance is one of the most important types of insurance because it protects your most valuable asset, your future earnings ability. Over your life you will earn hundreds of thousands of dollars unless you become disabled. When you become a parent your financial responsibility increases greatly. Protecting your spouse's and your income is extremely important. A good long-term disability policy will provide you with a sufficient income stream in the case that you are disabled. Check to see if you have adequate coverage through work, and if not, contact an agent to obtain an individual policy.
Having a baby can be expensive considering that medical expenses for labor and delivery alone are in the thousands of dollars. If you already have health insurance coverage when your child is born, then your child may automatically be covered under you health insurance plan for the first 30 days (check with your provider). After the 30 days expires, you need to add your child to either you or your spouse's health insurance plan provided you already have existing coverage.
If your family has no health insurance, then now's the time look for affordable coverage. First see if coverage is available through your employer because group rates are often less expensive than buying an individual policy. Also, if health insurance is available through your employer you may be able to pay for your monthly premiums before tax if your employer has established a cafeteria plan. Inquire with your human resources or personnel manager about your options.
Should health insurance coverage not be available through either spouse's employer then seek your own coverage. If you are unable to afford private health insurance, then you may be eligible for Medicaid which provides medical assistance to low-income families. Medicaid is a government-sponsored benefit, and you can obtain more information by contacting your local government. Should your income be too high to qualify for Medicaid, then your child may be eligible for the Children's Health Insurance Program (CHIP). CHIP is free or low cost insurance provided by the government for children whose parents cannot afford health insurance. Contact your state government for eligibility requirements.