TFcon is pleased to announce Neil Ross the voices of Bonecrusher, Hook, Sixshot, Slag, Pointblank and Springer in Transformers Generation 1 will be joining the G1 Reunion event happening at TFcon Los Angeles 2019. Fans of the 80s will also remember him as Dusty and Shipwreck in GI Joe as well as Keith and Pidge in the original Voltron series.
Neil will be taking part in Q&A panels and signing for the attendees of America's largest fan-run Transformers convention all weekend long. Neil Ross is presented by The Chosen Prime.


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Mindy Romero
Email: msromero@usc.edu
Ph.D. in Sociology
Political sociology, voting rights and electoral participation, latino political behavior, collective political behavior, youth civic engagement, identity and political movements, social stratification, new technologies and civic engagement
Mindy Romero is a Research Assistant Professor and the founder and director of the California Civic Engagement Project (CCEP) at the University of Southern California's Sol Price School of Public Policy in Sacramento. Romero is a political sociologist and holds a Ph.D. in Sociology from the University of California, Davis. Her research focuses on political behavior and race/ethnicity, and seeks to explain patterns of voting and political underrepresentation, particularly among youth and communities of color in California and the U.S.
Romero has been invited to speak about civic engagement and political rights in numerous venues, testifying before the National Commission on Voting Rights and the California Legislature, among others. Her research has been cited in major news outlets, including The New York Times, Washington Post, Los Angeles Times, Sacramento Bee, Politico and the Huffington Post. She has also been a frequent guest on National Public Radio, Capital Public Radio, and several other NPR-affiliated stations in California. She is a regular op-ed contributor to the Sacramento Bee.
Romero works with a wide array of policymakers, elected officials, voter education groups and community advocates to strengthen political participation and representation. She is currently a member of the Public Policy Institute Statewide Survey Advisory Committee, President of the Board of California Common Cause, and former Vice-Chair of the Social Services Commission for the City of Davis.
Romero can be reached at msromero@usc.edu.
Affiliated Research Centers and Programs
California Civic Engagement Project
The California Civic Engagement Project at USC conducts research to inform policy and on-the-ground efforts for a more engaged and representative democracy, improving the social and economic quality of life in communities.
privacy notice website by USC Web Services

redpajama_set_name: RedPajamaCommonCrawl


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CCCaas (Contact Center as a Service)
Call Center vs. Contact Center: What's the Difference?
Every business focuses on creating a better customer experience. After all, a business's success and failure are more or less dependent upon how well its services and products are received by its target customers' needs and expectations. To ensure that a business is on the right path to organizational growth, they may juggle the options concerning business-customer communication.
And this is where the comparison of a contact center vs. a call center comes in. If you are also weighing your options that deliver an efficient customer experience, then then you need first to equip yourself with the basics of these two options. Understanding the differences between the two is key to operating a business that makes smarter customer-centric decisions.
In this blog, we have put together interesting key differences between a call center and a contact center.
What Is a Call Center?
What Is a Contact Center?
Virtual Contact Centers
Difference between the Call Center and Contact Center
Contact Center vs. Call Center: Which One to Choose?
As the name rightly suggests, a call center is a centralized department within the organization that focuses on interacting with customers via voice calls. In some cases, call centers may be outsourced to a partner. Call center Employees, sometimes also referred to as agents or advisors, are expected to deal with incoming and outgoing telephonic calls from the company's stakeholders, particularly its customers. These calls can come either from a new or an existing customer for various purposes, including sales, technical support, promotion, customer care, etc.
There are different roles that agents of a call center are engaged in, which include:
Handling customer queries
Unlike traditional call centers that only handle telephonic calls, a contact center steps up further in its mode of communication channels of reaching out to existing and potential customers. In other words, a contact center handles any customer query that comes through at least five of these communication channels:
web-enabled live chats
But does that mean the contact centers are merely the call centers with more communication channels?
Technically, it might seem like the case. However, simply adding more communication channels to a call center does not particularly classify it as a contact center. A contact center is a focal point where all customer contacts are managed and monitored. This suggests contact centers are required to coordinate and integrate people, processes, and technology across the company. Various performance metrics that are not only confined to average handle time are also embedded in the contact centers, thereby making the entire work process complex.
When we think of call centers, we often imagine many people working over their phones in a crowded room while the phone rings are an everyday affair. While it is not an entirely wrong picture to imagine, many things have changed over the years. This includes: how the call centers function or how they have expanded their communication channels.
With call centers becoming more flexible, many virtual contact centers have emerged. Basically, virtual contact centers consist of individual agents working from home or a smaller group of agents working in multiple branch offices.
So, if these agents are home-working or working separately in various branch offices, how do they communicate? Well, they use the same cloud technology that helps these virtual contact centers function as one whole contact center.
These days, companies technically handle customer queries using various modes and query management technologies rather than merely traditional voice calls. However, the label "call center" is yet to wane, as companies continue to use the terms "call center" and "contact center" as if they mean the same.
So, now we have given you a short intro about the center and contact center, it is time to take your understanding a notch higher by comparing their fundamental differences. Later, we will also tell you which option is better for your business.
Let us pit both these departments against each other and understand their individual features.
Features Call centers Contact Centers
1.Communication channels traditional telephone-based
or voice calls
voice calls
live-chats
2. Advanced Analytics Not available provides advanced analytics generated from various channels
3. Self-service
or Automation
Limited possibility Due to the multiple channels approach, self-service has immense possibilities. Queries that are repetitive can be driven by artificial intelligence and machine learning approaches in future.
4. Number of Staff Usually more and can go high as 300 Can choose to scale, but AI-driven approaches can be incorporated to reduce the cost associated with additional staffing.
5. Traditional Way of communication Yes, people still prefer communication over calls to texts Contact centers may experience more queries over the phone than other mediums. This means that the majority communication happens traditionally over call.
6. Cost depends upon the number of employees Costs involve both associated with employee staffing and technologies.
Excellent customer support is the first step towards understanding the needs and expectations of your customers. When businesses look for options to enhance their customer experience, they often witness advisors who would suggest to opt for contact centers over call centers.
So, is a contact center always a better option?
Well, this may be true in some sense; but many businesses could also do well without using various communication channels or setting up a contact center. For instance, ideally, if your business can capture your customers' needs using traditional call centers, then you do not need to invest in more staff and technologies. In short, it all depends on your assessment of the company's needs and future goals. But, here is the good news, call centers can be easily scaled up into contact centers by interacting with omnichannel presence and automation tools.
One must note that robust customer service and enhanced operational efficiency are determined mainly by how well all the available technologies are combined across all touchpoints.
Call centers and contact centers are both responsible for customer support and outreach. However, they are not the same in how they function. Gaining an understanding of the subtle differences between these two often interchangeably used terms can do wonders to the success of your business.
With JustCall, finding the right solutions to this perpetual decision battle concerning the contact center vs. the call center is always easy. Our cloud-based contact center software and outsourcing solutions can help you outsource the right contact center for your business to deliver the best and most seamless customer experience.
A call center is a traditional centralized department in an organization responsible for handling customers' voice calls for an efficient customer experience.
What do contact centers do?
Contract centers perform various functions, including handling inbound and outbound interactions with customers and other service seekers using various technologies, such as voice calls, emails, forums, and web-based live chats. Like call centers, they can operate within an organization or be outsourced.
Are contact centers different from call centers?
The difference between contact and call centers can be seen in how customer communication models are utilized. Since contact centers operate using multiple systems, they are preferred over traditional call centers.
What primary advantages do contact centers offer to businesses?
A contact center for your business has many advantages. They are (but not limited to):
enhancing user experience by handling their queries.
putting together different technologies to tap each possible customer's touchpoints.
Early assessment of your users' needs and expectations before sales.
After-sales analyses.
Can JustCall help me convert my traditional call center into the contact center for my business?
Yes, JustCall is committed to helping its clients and businesses achieve their organizational goals. We understand an omnichannel approach can only achieve the customers' current needs. This is why we will help your business digitally transform your call center into a fully-functional contact center.
Sandeep Gaur
Sales Manager, JustCall
Sandy heads the sales team at JustCall and he has been integral in growing JustCall's ARR by 5X while bootstrapped. He is a big believer in using tech to enable sales and is the first person to try out every new feature in the JustCall stack. While he's not writing high performance email cadences for his team, he dabbles in blogging about Sales Strategy, Sales Tech and Sales Training.
Follow Sandeep on Linkedin
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How to Work Smarter, Not Harder – 15 Productivity Apps
Call Center Optimization: Best Practices & Strategies
Contact Center Technology: Trends and Features
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A leading-edge business must execute successful customer-oriented strategies to provide customers with the desired experience. But what do…
How Does Contact Center as a Service (CCaaS) Work?
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"The customer care representative I just spoke to was extremely helpful, patient, courteous, and knowledgeable. I wish all…
UCaaS vs. CCaaS vs. CPaaS: Know the Difference
Contact Center as a Service (CCaaS) and Communications Platform as a Service (CPaaS) are innovations that have arisen…
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CCaaS (Contact center as a service) is a new thriving technology that has put businesses in the driving…


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Commentary. Even though in recent years Europe has been dominated by the political elements of the center-right, which aim to turn it into a unified force for 'marketization,' it has always cultivated within itself a plurality of influences and elements that are profoundly progressive.
A united Europe can still defeat the legacy of neoliberalism
written by Laura Pennacchi
Topic European Union
The dramatic and whiplash-inducing developments of the Brexit situation prove yet again—if proof was ever needed—that the decisive fight for the world's geopolitical balance over the coming months will take place in Europe, and this is why the next European elections will be of unparalleled importance. Europe is the place where the modern conception of politics—now under attack—was born, as an overarching perspective on a reality that didn't need to be merely reflected, but changed.
Europe is also the place where it is possible to try to defeat the undermining of this conception, overcoming the poisoned legacy of neoliberalism, the contemporary depoliticization, leaderism and personalism as divisive and untamable modes of exercising power, the forced decline of intermediate bodies such as the trade unions, the nullifying of political parties as educational institutions and places of mediation and representation, the domination of the image and communication at the expense of thought and deliberation, and the drowning out of value-based and normative principles which have a universal scope.
It is imperative to face up to the irrepressible re-emergence of the "emotional sphere" as a constitutive feature of the present moment, a realm that is not being appropriately channeled, left unfiltered and uncontrolled, and which, as a result, sometimes finds violent ways of expression. In order to properly deal with the emotional factor, we should delineate a primarily ethical-cognitive territory, within which one can rebuild, for individual human beings, subjectivity, meaning and concrete answers. This is why, in order to "repoliticize the world," what is needed in the first place is a "rehabilitation of the moral dimension," seriously tackling the question of how to restore the ability to derive norms and obligations and restore the crucial importance of the issue of values, which has been ignored too much by liberal secularism. The latter, hoping to neutralize the destructive impulses of the religious wars, has confined value-related beliefs to an extrapolitical and non-public space, i.e. to the private sphere, effecting a sort of "privatization" which tied the perceived worth of these beliefs to their lack of political expression.
The repoliticization of the world can only happen starting with a repoliticization of the European continent. This, in turn, requires the reactivation of the extraordinary heritage of values and norms contained in the idea of Europe, whose origins and whose strategic resources have been relegated to mere "thought" and "philosophy." The crucial issue, therefore, is not just the fact that the European ideal is inseparable from a paradigm of "fair globalization," which cannot be abandoned without going down the road of protectionism and nationalism. Much more is at stake: we have both the opportunity and the need to retrace the sources of the values of the European unification process, from which arose the plurality of ideas about what Europe itself means, which give it a "multiple face."
Even though in recent years Europe has been dominated by the political elements of the center-right, which aim to turn it into a unified force for "marketization," it has always cultivated within itself a plurality of influences and elements that are profoundly progressive, and which have led over time to extraordinary positive achievements, whose apex was the Charter of Fundamental Rights signed in Nice in 2000. Diverse lines of thought in terms of ideals and policy have always remained active in Europe, even if at various times one of them prevailed over the others, with the "dark side" having the upper hand since 2010, when the center of gravity of the global economic crisis shifted from the US to Europe and the Six Pact, Two Pact and Fiscal Compact were adopted.
The fact that the patrimony of values underlying a united Europe has never disappeared—and that, when it was activated, it offered the basis for extraordinary mobilization and achievements in terms of civil maturity—should compel us today to work to rediscover and revive it. This patrimony can bring to life the development of the European process, viewed as an unfinished constitutional process, a term whose dual meaning is the source for its breadth of scope and power: "constitution" in the classical sense, i.e. a constitutional charter, as well as "constitution" in a broader sense, i.e. values and normative structures. In modern constitutions, we always find, in a concentrated form, an extraordinarily important body of learning, both cognitive and normative in nature. This is what Walter Benjamin was talking about when he described the delicate task of overcoming the lawlessness with which violence destroys rights.
All revolutionary achievements are bodies of learning gained in the field of human emancipation, the extraordinary fruits of humanism. They cannot be realized in practice without the mature values and norms that the constitutions carry with them. The values, rights and duties contained in the constitutions have, by definition, superabundant normative content, because they are structurally related to the dynamic scope of the collective project which is the only place where democracy can thrive, and, accordingly, they reproduce the same ambivalence which characterizes the evolution of a rights-based polity at the constitutional level.
Even today, constitutional formulations appear still largely indeterminate, and thus are amenable to interpretations and normative developments that may proceed in diametrically opposite directions. There are many structural gaps remaining, through which it is possible to channel instances of values that would subvert the current order, marked by immutable distinctions between haves/have nots, just/unjust, true/false, equal/unequal, free/unfree. It is possible for a powerful constructive spirit to be channeled that would place the focus on environmental restoration, the critique of the supposed neutrality of science, the reinvention and creation of work, and the proper extent of economic democracy.
That would open the doors to a new world. One can say that all the revolutionary moments, together with their founding documents—from the 1075 Dictatus Papae to the Declaration of 1789—were all such key normative developments that cleared the path to a changed world. Western universalism has been realized starting from this revolutionary paradigm, thanks to Europe, which is the first civilization that has conceived of itself in dynamic terms and has thought of history as "permanent revolution." Kant was truly the philosopher of the French Revolution, as he astutely hailed the new achievements as historical symbols of a normative path that was meant to be irreversible, marked by the fundamental features of universality, individuality, empowerment, equality and inclusion.
Laura Pennacchi
Originally published in Italian on January 19, 2019https://ilmanifesto.it/sconfiggere-leredita-del-neoliberismo-in-europa-si-puo/


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The Observer: Judge in Uber's London legal battle steps aside over husband's links to firm
Emma Arbuthnot, who gave a licence back to Uber, acts over potential conflict of interest
Yesterday the Observer newspaper reported that the Judge who presided at Uber's London Operators licence appeal has stepped away from the case because of a possible conflict of interest in the case
The possible conflict arises because she is married to Lord Arbuthnot, who is a Tory Peer nominated by former PM David Cameron. Until December 31st last year, and three weeks into the start of the company's appeal, Lord Arbuthnot was still the director of SC Strategy Ltd, which advised one of Uber's largest investors, the Qatar Investment Authority.
David Cameron himself is shrouded in Uber controversy with the Daily Mail reporting practises of a culture of Chumocracy within the Tory party where Uber is concerned. Uber was licenced to operate in London by fellow Tory, and the former Mayor of London Boris Johnson.
Labour MPs Wes Streeting and Andy McDonald asked questions in the House of Commons over Cameron's favourable attitude towards Uber. Labour Mayor Sadiq Khan refused Uber a renewal of its licence last September.
From yesterday's Observer report…
Emma Arbuthnot, the chief magistrate whose judgment reinstated Uber's London licence after it was judged not a "fit and proper" private car hire operator, has withdrawn from hearing further appeals by the company after an Observer investigation raised questions into links between her husband's work and the company.
Lady Arbuthnot, who is married to senior Tory Lord Arbuthnot, approved a probationary 15-month licence for Uber to operate in the capital in June. Her ruling was a lifeline for the company, which in September had been told that Transport for London would not renew its licence. However, after the Observer highlighted her husband's work for a strategy firm that has advised one of Uber's largest investors, a spokesman for the judiciary confirmed that Arbuthnot would not hear Uber-related cases in the future. "The chief magistrate had been due to hear a licensing appeal by Uber in Brighton at a date yet to be fixed," the spokesman said.
"However, as soon as this link was pointed out to her, she assigned the case to a fellow judge. It is essential that judges not only are, but are seen to be, absolutely impartial." The spokesman said it was the first time that such a connection had been brought to the chief magistrate's attention.
The spokesman for the judiciary said the chief magistrate and her husband had been unaware that the QIA was an investor in Uber or had any links to it. The spokesman added: "The judiciary will have to consider whether the new information could be seen to change the perception of absolute impartiality." Magistrates are bound by the Judicial Code of Conduct. It acknowledges that even the appearance of a possible conflict of interest may disqualify them. It ensures that a judge will be mindful of such possible conflicts and can draw relevant matters to the attention of the parties in the case. It states: "The question whether an appearance of bias or possible conflict of interest is sufficient to disqualify an officeholder from hearing a case is the subject of Strasbourg, English and Welsh and Commonwealth jurisprudence."
Commenting at a recent TfL Board meeting, Unite's Bronwen Handyside and TUC delegate to the TfL Board commenting on Arbuthnot's decision on Uber, said:
I must say that I am extremely disappointed in the Magistrate's decision to grant Uber 's appeal and give them a further 15 month licence. This is a company that: Continues to exploit cross-border hiring – meaning that thousands of vehicles licenced in London are operating outside of London where London regulations can't be enforced. Whose business model is designed to avoid paying tax in the UK That has tried to evade TFL regulations since it arrived in London This in my opinion continues to make Uber not a fit and proper person to operate a service.
Posted by Peter Rose @peterjrose1
TAXI TRADE NEWS
« Judge overseeing Uber's London legal battle withdraws from case
Gig economy drivers and riders at heightened risk of traffic collisions »
Licensing decision on Uber London Limited
TfLTPH Notice 13/17 Transport for London (TfL) has today (Friday 22 September) informed Uber London Limited that it will not be issued with a private hire
Two Private Hire Drivers Prosecuted after trying Uber Incentive Scheme
Reading Council press release. TWO private hire drivers who tried to take advantage of an Uber incentive encouraging drivers to operate in Reading have been prosecuted
Black cab drivers union praise for mayor of London over Uber decision
Unite the union press release Black cab drivers' union Unite, has today (Friday 22 September) praised mayor of London Sadiq Khan and Transport for London (TfL)


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Transperth is Perth's public transport network, helping people get around the city by train, bus or ferry.
There are three train stations in the city; Perth Station, Perth Underground and Elizabeth Quay. Each of these is a short walk to the City's main business, shopping and tourism precincts.For access to outer parts of the City, you will need to use City West, McIver and Claisebrook stations.
If you are travelling in and out of the city on a Transperth bus, most stops terminate at either the Wellington Street or Esplanade Bus Stations. Both are a short walk to the City's main business, shopping and tourism precincts.
A free transit zone (FTZ) also operates within the City of Perth boundaries. You can travel on any bus with the City of Perth for free. FTZ signposts are displayed on the route limits. For travel outside the FTZ, please purchase a ticket from the driver or purchase a SmartRider from Perth Station or from newsagents.
Find further information on the Transperth website to plan your journey, access timetables and more.
Once you're in the city, hop on and off the free CAT (Central Area Transit) buses which operate daily. The CAT buses have four routes covering all parts of the city. CAT bus stops have distinctive stands and real-time passenger information that tell you when the next bus is due. The CAT bus timetable is available on the Transperth website.
For tourists, a popular way to see the City is with CitySightseeing Perth who operate red double decker bus that allow users to hop on and off at Perth's major tourist attractions.


The college is dedicated toward imparting world-class education, meeting the evolving needs of the industry and diverse communities. With the emphasis on thinking out of the box, innovative programs, and dynamic curriculum, we are committed to being a pioneer in skill-based education.
The College has established a reputation for excellence and visionary thinking in its efforts to help the youngsters choose a right career path or choose PASSION over Pressure. We empower our students, faculties, and staff by providing them with the affable ambience and world-class infrastructure.


If you have any questions about The Blessed House International Church, have a prayer request or would like more information about our ministry opportunities, please feel free to get in touch with us. We are here for you.
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It is no secret that I was very impressed when I was invited to attend a concert by the Crosby Symphony Orchestra back in November. On that occasion they played Nieslsen 4th Symphony. I was delighted to be back again for their St George's Day concert which was held at St Faith's Anglican Church in Crosby. The first impression when entering the vast Victorian church is that it smells of incense. The church is described as being in the liberal catholic tradition.
The Concert was called 'This Island Nation' and featured the music by Benjamin Britten, Edward Elgar and Vaughan Williams- so more England than Britain. As on my last visit I was very impressed by the orchestra and the guests they attracted to perform with them. Susan Marrs sang the Elgar Sea Pictures to the delight of the large audience.
The second guest was the conductor Adam Kornas, a young man whose conducting debut at Wigmore Hall included a work by Harrison Birtwhitle with the composer in attendance. He is also a composer with a ballet suite already performed along with a String Quintet 'Paradise Regained' which has won prizes and been played in London, Salzburg and Vienna. The piece is based on John Milton's epic poem and the composer explains: "...the music starts very dark and lost, moves through passion and despair, but then ends in peace. This journey from darkness to light loosely reflects the journey between Milton's, Paradise Lost and Paradise Regained". Throughout the concert Adam explained a fair deal and he clearly has a very good and relaxed style when it comes to addressing audiences. The main work was R Vaughan Williams (RVW) London Symphony dedicated to the memory of his friend George Butterworth who died in WW1. RVW was the link between most of the WW1 composers. Although he was of an age when he could have been excused military service he volunteered to serve in the Medical Corps. Two of his most important compositions are linked with WW1; The Pastoral Symphony and Dona Nobis Pacem which is more overtly a memorial.
Chatting to members of the orchestra in the interval they were really pleased to have Kornas working with them and they were overflowing with enthusiasm for him. At the podium he is very expansive and the audience took to him. File his name away I suspect we will hear a great deal more of him.
The concert was a great success-apart from the minor irritation of the women in front of me who insisted on videoing and photographing the proceeding despite entreaties in the program not to do so. The Crosby Symphony Orchestra's next performance-entitled Heroes and Demons- is at the Philharmonic Hall in Liverpool in July when they have Shostakovich's 4th Symphony on the programme.
A special word of thanks to my host, the Orchestra's Vice President, Brian Worster-Davis.


I read the series as they came out, and yes, it can be very frustrating to wait for the next book. Kelley Armstrong also has a series I love but it took so long for the next book to come out, I'd forgotten the end of the previous book and had to go back and read it again. I think publishers should stagger a series within 3 to 4 months. It's worth the wait!
I'd love it if authors could get their books out within three or four months. Wouldn't that be wonderful! I agree with Kelley Armstrong. I love her writing, but I had totally forgotten about her for a few years because she fell off my reading radar. Now that I'm in Goodreads and buying my books online that should help a lot with being aware of when they books come out. But there is no cure for a cliff hanger!


There are certain types of fungus that build up on the skin causing fungal infections. Fungal infections are of different types like fungal skin infection, fungal foot infection, fungal nail infection and many more. The symptoms of fungal infections depend on the different types of fungus that cause the infection.
Take raw garlic in a blender and make a juice of garlic. Then apply it to the affected area using cotton ball 2 times every day. Including garlic in your daily diet is also great but applying raw garlic directly to the affected area is much better.
Take some ginger (1 ounce), chop it well and then add it to a cup of water. After that boil it well for 20 minutes and then allow it to cool down to room temperature.Once it becomes cool, first clean the infected area well and then apply it to the infected area. Do it two times every day. This is one of the very effective herbal remedies for fungal infections.
Add around 38-40 drops of tea tree oil (organic) to a large mug and then place your feet in it. Keep your feet like that for 10 minutes. After that take out your feet and dry it completely. After drying your feet well, take some drops of tea tree oil and massage it directly into your feet. You can use cotton balls to apply and massage your feet with tea tree oil.This will help to kill the fungus and will also stop its spread. Apply it 2 times every day. You can also make the tea tree dilute by adding few drops of olive oil to it and then applying it to the affected area with cotton balls.
Place a tea bag in a cup of boiling water. Remove the tea bag and then let it cool. Then apply the tea bag (cooled) on the affected areas and let it be like that for at least 10 minutes. Try to apply this 3 times every day.You can also drink chamomile tea 2 times every day. So getting rid of fungal infection is not that difficult and by following the above 5 herbal remedies you can easily get good results within a very short time.
You can use black walnut in powdered form or tincture form. If you are using black walnut powder, then add the powder (1 teaspoon) to water (4 cups) and then heat it. After heating, mix them well. Pour the mixture in a large mug and then dip your feet into the mug containing the solution.Keep your feet in it for at least 10 minutes. You should do it 2 times every day until your feet looks healthy. If you use black walnut tincture, then just apply 5-7 drops on your feet and allow it to dry. Do it 2 times every day.


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Can Your Homeowner's Insurance Provider Drop You Because of Too Many Claims Submitted?
If you want to ensure that you receive financial compensation should anything happen to your home or its belongings, then you absolutely need homeowners insurance. In fact, you probably won't even be able to hold a mortgage if you don't have a policy.
But once you take one out, it's imperative that you understand all the ins and outs of your policy, including the number of claims that you're allowed to make before you're able to renew. Unfortunately, many homeowners are unaware that insurance providers have guidelines when it comes to this, and some have found themselves without coverage as a result of making too many claims.
Every insurance company is different, and as such, they have their own guidelines in terms of the maximum number of claims before being able to renew the policy. Having said that, two claims is typically the standard limit of claims that can be made within a five-year time frame. That means insurance providers can actually deny your policy renewal if you go over that limit within that time period.
What's the reason for insurance providers dropping you after too many claims? In the eyes of an insurance company, you would be considered high risk. At the end of the day, too many claims mean more money your provider would have to dish out to cover you. It's simply bad business to agree to provide coverage for a home that's just too risky – and too costly – to insure.
Even filing just one claim is complex, and the more claims you add, the trickier it gets. At the very least, a couple of claims means a hike in premiums; worst case scenario, you can get the boot altogether.
States have their own laws regarding the ability for insurance companies to deny renewal as a result of the number of claims that have been filed. In California, insurance providers are required to give homeowners at least one chance to renew their policy if their home is completely destroyed because of a major disaster (as opposed to destruction due to negligence).
That said, the National Association of Insurance Commissioners states that insurance providers can cancel a new policy for any reason within 60 days of issuance. Once this time period elapses, there has to be a good reason for the cancellation of a policy, such as nonpayment or fraudulent activity on your part.
You, on the other hand, have the right to cancel your homeowners insurance policy any time for any reason.
Is There Any Recourse For a Denied Policy Renewal?
If you've been denied coverage because of filing too many claims – or for any other reason – you should make an effort to call other insurance companies to try and get approved for a policy. Failing that, you may be able to seek coverage through state programs for insurance.
The Fair Access to Insurance Requirements (FAIR) plan provides insurance coverage to homeowners, but should only be used as a last resort after making an effort to get coverage in the private insurance sector. The type of coverage offered by a FAIR plan will be more limited compared to the average policy taken out with a private insurance provider.
While some claims are absolutely necessary – especially if your home is completely destroyed along with everything in it – others might not be worth filing. For instance, if your $1,000 bicycle was stolen out of your garage, it wouldn't be worth filing a claim. Let's say your deductible is $500 – you'd be getting $500 back. But the fact that you now have a claim on record might not make that $500 worth it, especially if your premiums increase right after.
Before you file a claim, call your agent first, not the claims center. These professionals will be able to help you determine if filing a claim is the best idea in your particular situation.
Many times you may be better off paying to make repairs or substituting lost or stolen goods if the damages are not much more than your deductible. A general rule of thumb is not to file any small claims, but rather leave your claims for major catastrophes that cost in the tens of thousands of dollars or more in damages. You don't want to use up your claims for minor situations and be left in the dust when it comes time for renewal.
http://www.aviararealestate.net/wp-content/uploads/sites/83/2017/05/can-your-homeowners-insurance-provider-drop-you-because-of.jpg 720 1280 Admin http://aviararealestate.wingwire.com/wp-content/uploads/sites/83/2015/09/logo.png Admin2017-05-26 01:07:342017-05-26 01:07:34Can Your Homeowner's Insurance Provider Drop You Because of Too Many Claims Submitted?


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Q: How to create a loop to go through a list of URLs, scrape all data. all URLs of the similar pages are saved in one file.txt (every URL in one line)? I want to extract some information from multiple pages which have similar page structures.
all URLs of the pages are saved in one file.txt (every URL in one line).
I already create the code to scrape all the data from one link (it works).
But I don't know how I create a loop to go through all the list of URLs from the txt file, and scrape all the data.
from bs4 import BeautifulSoup
from urllib.request import urlopen
import requests
import pandas as pd
import numpy as np
import json
import matplotlib.pyplot as plt
from bs4 import Comment
import re

import rispy # Writing an ris file

with open('F:\Python\Python-FilePy-Thesis-DownLoad/Thesis2.txt', 'r') as f:
    for line in f:
        url = line.strip()

html = requests.get(url).text
soup = BeautifulSoup(html, "html.parser")

A: Just work with each url:page inside the loop!
    for line in f:
        url = line.strip()
        html = requests.get(url).text  # is .content better?
        soup = BeautifulSoup(html, "html.parser")
        # work with soup here!

Creating more functions may help your program be easier to read if you find yourself packing a lot into some block
See Cyclomatic Complexity (which is practically a count of the control statements like if and for)
Additionally, if you want to collect up all the values before doing further processing (though this is frequently better accomplished with more esoteric logic like a generator or asyncio to collect many pages in parallel), you might consider creating some collection before the loop to store the results
collected_results = []  # a new list
...
    for line in fh:
        result =  # process the line via whatever logic
        collected_results.append(result)

# now collected_results has the result from each line

A: you are making a big mistake by writing :
with open('F:\Python\Python-FilePy-Thesis-DownLoad/Thesis2.txt', 'r') as f:
    for line in f:
        url = line.strip()

html = requests.get(url).text
soup = BeautifulSoup(html, "html.parser")

because that will store the html data of the last url obtained from the TXT file in html variable.
after the for loop finish, the last line of the TXT file will be stored in variable url and that mean you will get only the last url in the TXT file
the code should be :
with open('F:\Python\Python-FilePy-Thesis-DownLoad/Thesis2.txt', 'r') as f:
    for line in f:
        url = line.strip()
        html = requests.get(url).text
        soup = BeautifulSoup(html, "html.parser")

redpajama_set_name: RedPajamaStackExchange


text:
Christmas Eve Tidings: Dems and Trump Trade Barbs, No Progress on Shutdown
Stock Market takes a dive
Senate Minority Leader Chuck Schumer, D-N.Y., and other Democrats are pointing fingers at President Donald Trump over the partial government shutdown. (Photo by Bill Clark/CQ Roll Call)
Posted December 24, 2018 at 2:58pm
On the third day of a partial government shutdown, the top congressional Democratic leaders used another stock market drop to blast President Donald Trump. The two sides traded barbs but there was no sign of progress toward a deal.
The Dow Jones Industrial Average was off 653 points in a truncated trading day that ended at 1 p.m. Investors again were in a selling mood as a senior Democratic aide reported no progress in talks with the White House and a day after Trump announced he would dismiss Defense Secretary James Mattis over a month earlier than planned after he grew angry watching media coverage of his decision to oust the retired Marine Corps general.
"It's Christmas Eve and President Trump is plunging the country into chaos. The stock market is tanking and the president is waging a personal war on the Federal Reserve – after he just fired the Secretary of Defense," House Minority Leader Nancy Pelosi and Senate Minority Leader Charles E. Schumer said in a statement.
"Instead of bringing certainty into people's lives, he's continuing the Trump Shutdown just to please right-wing radio and TV hosts," the duo added.
Earlier, Trump claimed in a Monday tweet Senate Democrats have not made an offer to counter the administration's for $2.1 billion for a border barrier and $400 million for a border security account the opposition party has called a "slush fund."
The president appeared to joke that he is "all alone" in the White House on the third day of a partial government shutdown. He was scheduled to meet with his top homeland security advisors at 2 p.m., and first lady Melania Trump returned to Washington from his South Florida resort to spend Christmas with her husband.
In another tweet the markets noticed, the President suggested the Federal Reserve cannot putt, using his own version of the golf saying that one "drives for show but putts for dough." But he did not deliver a personal broadside on Chairman Jerome Powell or suggest, as some reporting indicates he has floated inside the West Wing, firing the Fed boss. Trump blames him for an economic slowdown and the ongoing market slump.
Watch: Remember When Donald Trump Wanted Mexico To Pay for the Wall?


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Well located on a popular road in Hillsborough, Sheffield this course is very popular with people in the City. Located a stones throw from the Stadium, Hillsborough park is a lovely green area with lots of dog walkers and is popular with locals.
This is a 3 lap course starting and finishing in roughly the same spot. For me the biggest challenge is not being lapped by the faster runners which I feel is an achievement in itself, considering the hills and sharp turns.
It's unlikely you will set a PB here as it's not only very busy but there is a climb (which ofcourse has to be repeated 3 times) but by Sheffield standards it probably only registers as a speed bump.
As you would expect for a Sheffield parkrun everyone is super friendly and the run is very well organised and safe.


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Your Are Here: Home > Weekly News Columns > A President is Elected
Police Officers Can Be
The Good Guys!
The Legacy and Economics
A President is Elected!
On November 8th, citizens from the fifty states chose their Presidential electors. Donald Trump gained the equivalent of 306 electors, winning three states -- Pennsylvania, Michigan, and Wisconsin -- which over the past several decades had solidly voted Democratic. Since the November election, several highly organized groups, primarily from the left, have continued to mount an effort to undermine the outcome of the election rather than acknowledge the message clearly sent by the voters.
Instead of accepting the results, Green Party candidate Jill Stein announced plans in late November to request recounts in three Rust Belt states which were won by Trump. She raised seven million dollars, mostly from Democrats, enough to effectively pay for the requested recounts. The Democratic candidate, who viciously derided Trump because he wouldn't promise to automatically accept the results of the election if shenanigans were discovered, quickly added her support to Stein's recount effort. A Federal Court blocked the Michigan and Pennsylvania recounts in part because Stein wasn't the "aggrieved party" (i.e., she didn't have "standing"). In the Wisconsin recount, Trump gained 116 votes.
Some of Hollywood's liberals' conducted an ad campaign urging Trump electors to be "unfaithful." In one ad, Martin Sheen, who played the President in the "West Wing" TV show, was quoted, "As you know, our Founding Fathers built the Electoral College to safeguard the American people from the dangers of a demagogue and to ensure that the presidency only goes to someone who is to an 'eminent degree and down with the requisite qualifications." We wonder what these groups would've said if the Democratic candidate -- who committed acts that would have landed other not so powerful people in jail -- had won the election.
Other efforts included organized nationwide email bashes pleading with Republican electors to refrain from voting for their candidate. Republican electors received thousands of email messages, in some cases tens of thousands. There were even a few dissenters who chose a darker path sending death-threats.
The final elector results from the Electoral College were: Donald Trump 304 (two "unfaithful"), the unsuccessful Democratic nominee 227 (five "unfaithful"), Colin Powell 3, Spotted Eagle 1, Ron Paul 1, John Kasich 1, and Bernie Sanders 1. Four electors in states won by the Democratic candidate were replaced after refusing to vote for the states winning candidate. The results of the "unfaithful" Electoral College vote illustrates how real the possibility for the ultimate conflict could have been, when a few days before the General Election, several so called reputable pollsters laid out highly probable scenarios showing neither candidate gaining more than 5 above the needed 270.
We read a lot about who won the popular vote. The large vote differences in New York City, Los Angeles County, and San Francisco County, completely makeup that difference. To allow the wishes of two or three populous cities/counties to dictate their views on the rest of the nation is exactly what the Founders wanted to prevent. Our view? The Electoral College worked as designed once again.
Mark, Bill and John


SPRINGFIELD, Ill. (AP) _ Illinois legislators are set to meet for the second day of a special session aimed at forcing a budget compromise in the state's two-year impasse.
Lawmakers have to come to an agreement by July 1 or Illinois will enter its third straight year without a budget.
There's been little movement on any compromise so far with little indication things will change on Thursday.
The House is scheduled to hear testimony on workers' compensation, a reform that Republican Gov. Bruce Rauner is pushing. However, Democratic House Speaker Michael Madigan says the point is to hear from middle-class workers who'll be impacted by changes.
Rauner called for the special session, saying the situation is urgent. He's been deadlocked with Democrats who control the Legislature since taking office in 2015.


The impact on the landscape and cultural history is important when it comes to wind energy projects. Residents, administrators and experts want to know what a wind farm will look like once constructed and how it will affect the landscape and environment. In addition, in the case of spatial developments such as a wind farm, the impact on cultural-historical heritage is always a point for attention.
The scale and identity of the landscape determine how wind turbines are incorporated, to the extent possible on account of the scale of modern wind turbines. At the same time, wind turbines have a potential impact on this scale and identity. Landscape is also about the readability of that coherence (the image). The impact of the perception of wind turbines is related to visibility, independently, as part of the landscape and the quality of the set-up. The origins of a landscape and valuable landscape elements can have a scenic and a cultural-historic value.
In the case of wind energy projects, it is important to substantiate an assessment of the scenic impact of a wind turbine or wind farm on the environment. The environmental impact assessment compares various alternatives or variations in a scenic impact assessment, while a zoning plan or a planning exemption a specific wind energy project requires a scenic substantiation. This substantiation or assessment can be visualised. If so required, Wind Minds will engage a landscape architect to prepare a scenic substantiation or assessment. We mainly work with a group of preferred experts who have experience with wind energy projects. The results of the assessment or substantiation are generated in close coordination and we will engineer them into our products.
Social-cultural heritage, which is about human interaction in the form of economy, customs and traditions.
For wind energy projects, the first three aspects of cultural history are relevant, with historic geography often.
With regard to archaeology, Wind Minds first assesses the archaeological expected values of a plan area. It does this on the basis of the municipal or provincial archaeological policy maps available. Wind Minds then looks if a further study is required on the basis of the archaeological expected value and the scope of the project. If so required, it will engage a research agency that specialises in archaeology. This is done in consultation with the initiator and the competent authorities. We work together with various certified archaeological research agencies. The results of a study are generated under our management and we will engineer them into our products.
For the historic architecture, Wind Minds assesses the presence of monuments, urban and village conservation areas, other cultural-historic elements – such as a biotope of historic wind mills – and the impact of the wind turbine project on these elements. In general, we have the knowledge to make such assessments. The assessment of this aspect forms a direct part of our products.


Laila Bellydance is from Norway. Laila has a bachelor degree in dance teaching from Bodø College (Universitetet i Nordland) in Norway.
- Certified Simonsonteacher at Dance Space Center (now DNA) in New York.
She has teaching experience in ballet, jazz, modern, bellydance, folklore, massage, aerobic / fitness, pilates and yoga. Laila has been dancing, teaching and studied belly dance for 20 years in Norway, Sweden, Germany, Holland, USA, Australia and Egypt.
New this year is Jallabina workout. An aerobic class inspired by bellydance, samba, african dance, bollywood and martal art. Feminin, fun and efficent work out to music that will inspire you.
Bellydance classes every Wednesday in Lillestrøm. English speaking students are welcome to join regular workshops. Private lessons in English for one person or small group is also available.
Bellydance show can be arranged for your event.


text:
AGB reviews year so far
By Sarah Sobanski
The Art Gallery of Bancroft (AGB) announced Finding Critical Mass was its most visited gallery month in history.
The AGB held its annual general meeting Thursday, Sept. 15. It reported it had a popular year with an increase in gallery exhibitions sales, gallery shop sales and a profitable summer.
"The busy summer months were capped off and highlighted by the Algonquin First Nations exhibition in August curated by Robin Tinney. Robin spent many months bringing together Algonquin artists from all over Ontario to create a powerful and beautiful show," said AGB president Barbara Allport. "The show had more visitors in this month than any other month in its history."
The show received donations from around the province for the show, as well as a $3,000 grant from the Town of Bancroft.
"I have been president of two other non-profits, this is the only one where people are really, really dedicated and really invest themselves and their energy in the end product of their work," said Allport. "I really appreciate that as president of the board that people have this sense of purpose and dedication to this place, this space, [and] this mandate. It's not perfect but it's working and I hope it continues to work well for us."
While popularity flourished however, financially the AGB fell short of last year's totals. It drew in just over half of what it had last year in fundraising. Its net income also fell by close to 50 per cent.
"The gallery shop has been streamlined to allow for more accurate accounting of inventory which will benefit both the artists and the gallery shop committee members. The mandate for the shop remains fixed on showcasing local artists and craftspeople," said Allport.
The gallery hasn't had any significant fundraising initiatives in a few years. This is something the AGB will consider conducting in its coming years.
"Although the bank balance remains healthy, it would be wise to create a fundraising committee to start thinking about an event for 2017," said Allport.
The AGB also appointed an artist talk co-ordinator with the hope to continue expanding as a place of education for the arts. In future, the gallery could see "videographers, filmmakers and artists from different mediums." It also hoped that more people will volunteer as board members come to retirement.
"I also have concern for those who have served the AGB faithfully for many years and would like to retire but without a replacement, continue to soldier on. Without new members coming on board and willing to take on responsibilities, our lifespan as a volunteer organization is limited," said Allport.
The gallery has been open in the community for 35 years.


I spent a lot of this week working around the house. In between scraping decks, building decks, and planing sticky doors, I got some posts in about the other things I have been into this week.
I review a power caulking and a manual caulking gun as I do some home improvements and begin the long process of prepping my house for painting by caulking my vertical slat wood siding.
I check in with my plan to ratchet up the exercise this month.
I discuss the base level of running I need to achieve before I start Sprint Training for long distance running training.
I recently read the omnibus of Wool, the first 5 novellas in the Silo series by Hugh Howey.
I came across this video of Jorge Luis Borges and his view on the Task of Art.
We, my parents and I, recently got to catch the very talented Carly Calbero at Soul Food Coffee House.


Slower speech for the sake of smart.
pausing to gather their thoughts and ideas.
silence that leads students to demonize phone calls in favor of texts.
probably one of the worst first impressions I've made in my life thus far.
college students needs to learn to slow down their speech.
settings, however, will not grant the same level of grace.
someone who can speak intelligently.
speech makes them feel like they just ran a foot race.


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Scare tactics indeed. Not only is NVIC trying to scare parents away from the pertussis vaccine, but they take the opportunity to warn against many other vaccines. NVIC claims on its website that it "does not promote the use of vaccines and does not advise against the use of vaccines," but that, to put it bluntly, is a lie. Their primary mission is anti-vaccine advocacy, as illustrated by their current advertising campaign that claims we are "over-vaccinating" children and injecting them with harmful toxins.
The current vaccine against whooping cough is called DTaP or TDaP (short for " tetanus toxoid, reduced diphtheria toxoid and acellular pertussis", and the evidence shows that it is very safe. The vaccine does not contain any whole cell, not even killed bacteria, meaning that it is impossible for the vaccine to cause even a mild case of any of the diseases that it protects against.
I was at a local organic food market recently buying lunch, and I noticed that my avocado-and-hummus sandwich proclaimed that it contained "non-GMO" ingredients (GMO = "genetically modified organism).
Here in the U.S., most of our food supply is filled with so-called GMO foods, but in Europe the situation is dramatically different. For some reasons, our otherwise well-educated European friends are terrified of GMO foods. They don't seem to realize that we've been modifying the genes in our foods for centuries, and it's generally been a good thing. The latest biotechnology merely allows us to modify plants (and animals too, though none are yet on the market) much more quickly, and more intelligently. Today we can alter just a few genes to produce a more-desirable plant, rather than doing it by trial-and-error over many generations.
In fact, the "GMO" foods of the past likely had hundreds of unknown gene modifications.Farmers selected plants for seed because they looked and tasted good, without having any idea of what was really different about them.
The history of corn is a history of genetic modifications made by earlier humans who didn't even know what a gene was. Today's GMO food is simply a continuation of that history.
Allergenicity. Not a problem. The WHO says "No allergic effects have been found relative to GM foods currently on the market."
Gene transfer. The WHO gets this one wrong. They write that "gene transfer from GM foods to cells of the body or to bacteria in the gastrointestinal tract would cause concern if the transferred genetic material adversely affects human health." Gene transfer is a topic that I've studied in some detail, and published papers on. The WHO says that the likelihood of a gene transfer event is "low," but in fact it is vanishingly small - so small, in fact, that not a single gene transfer event has ever happened. In the history of our species, and of all mammals, going back tens of millions of years, not a single gene from something we've eaten has been transferred into the human genome or, as far as we can tell, into bacteria within our guts.
Outcrossing. This is "the movement of genes from GM plants into conventional crops," and this really can happen - they're the same species, so they can interbreed. But it's only a concern if GM plants are harmful, which they're not.
The bottom line is, you're far more likely to be harmed by being hit on the head by a corn cob than by some kind of deviant GMO corn gene.
The WHO concludes that GM foods "are not likely to present risks for human health." Of course, not all GMO foods are good. I'm not a fan of engineering crops to be more tolerant of pesticides, for example: this type of GMO food benefits big agricultural firms rather than the consumer. And it is theoretically possible to insert harmful genes into plants, but agricultural firms wouldn't have any reason to do that.
So the next time you see the non-GMO claim in your grocery, ask yourself whether the ingredients could really be completely unmodified from their "natural" state. I doubt it.
My sandwich was really good, by the way.
This is embarrassing. In a recent article in the New England Journal of Medicine, Brian Berman from the University of Maryland argues why acupuncture should be recommended for patients with lower back pain. In the very same article he and his colleagues explain that the evidence shows that there is no difference between real acupuncture and sham acupuncture. That's right: it doesn't matter where you place the needles, or even if you puncture the skin. Even toothpicks will give the same effect. Any good scientist would conclude, obviously, that acupuncture doesn't work.
But not Dr. Berman. Or (to give proper credit) his co-authors, Drs. Langevin, Witt, and Dubner.
Note the careful wording: they write "is believed to cause" and "is supposed to restore." Perhaps they don't believe it themselves? Maybe they'll explain later that this pre-scientific magical thinking has no place in modern medicine, and no basis in biology, physiology, physics, or any other science.
How about this reason: there's no effect, therefore nothing to explain. Perhaps Berman missed that first-year course in logic.
Without getting into the details (most of these studies are poorly done), it's no surprise that sticking needles into the skin causes a physiological effect. Duh!
But hey, what's wrong with a bit of rat torture in the name of pseudoscience?
Why do I say this is embarrassing? Well, I'm a professor at the University of Maryland. I'm not at the the School of Medicine (where Berman is), which is an independent campus in Baltimore, quite distinct from the much larger main campus in College Park, where I work. But when the headline says "University of Maryland", it reflects on all of us. And while I can't prevent Dr. Berman from promoting pseudoscience, at least I can make it clear that he's not speaking for me.
In other words, let's see if particularly gullible people might be more willing to tell us that acupuncture works. He recommends other studies too, presumably to be funded by NCCAM. Berman's work is an example of why I have repeatedly called on Congress and the President to eliminate NCCAM. NCCAM's annual budget of $129 million is an appalling waste, and after >15 years and >$2 billion in funding, it has yet to prove the efficacy of a single "alternative" treatment.
This is astonishing: they just finished explaining that acupuncture doesn't work any better than sham treatment. So why go to a "licensed" acupuncturist, since you can use toothpicks that don't puncture the skin and get the same effect? Toothpick acupuncture won't cost $125 per session (that's $1000 for Berman's recommended treatment), and it doesn't carry the very real risk of infection. Based on the evidence reviewed in their own article, Berman et al. are recommending a treatment that seems to border on malpractice.
I'm afraid I'll have to disagree with the Dean on that. Berman's Center for Integrative Medicine is an embarrassment to the University, and its presence undermines the efforts of other scientist to understand and treat disease.
But hey, maybe I'm missing something. Perhaps I just have a blockage in my qi.
A new NIH-sponsored review of the scientific literature on Alzheimer's disease has some disappointing news: nothing works. The panel's chair, Martha Daviglus, a professor of medicine at Northwestern University, said "We wish we could tell people that taking a pill or doing a puzzle every day would prevent this terrible disease, but current evidence doesn't support this."
In other words, we can't cure it, and we can't even delay it.
Not surprisingly, our old friend "Dr." Joseph Mercola (he's an osteopath, not an M.D., and I promise to write more about that one day) has plenty of recommendations to prevent or treat Alzheimer's. He even has a web page showing his "top 5 tips to beat Alzheimer's." Let's look at what he has to offer.
2. "Exercise." Although Mercola is wrong to claim that exercise reduces the risk for Alzheimer's – the NIH report says it doesn't – at least this is good general health advice.
3. "Avoid Mercury." Uh oh, now we're getting deep into the woo. There's no evidence that mercury causes Alzheimer's, and Mercola goes well beyond just saying "avoid mercury." He advises you to "remove dental amalgam fillings, which are one of the major sources of mercury." This bit of unscientific advice has been around for decades, but it's little more than pseudoscience. I recommend the excellent Quackwatch site for a detailed debunking of this one. It's so widespread that several official reports have investigated it, and the American Dental Association reported back in 1998 that amalgam fillings are safe and effective.
Mercola has a second bit of very bad advice here: he suggests that you avoid thimerosal-containing vaccines. As I've written before, Mercola is a major anti-vaccination scaremonger, and here he goes again – suggesting, without any evidence (and no citations to any scientific studies) that vaccines may cause Alzheimer's.
5. "Exercise Your Mind." The NIH report says this one isn't proven either, but at least it doesn't do any harm.
What we really know is that the main risk factors for Alzheimer's are things we have no control over: age and genetics, particularly the APOE protein (which I wrote about recently). The NIH panel recommends much more research, which is desperately needed. If people would donate their money to Alzheimer's research rather than wasting it on ineffective treatments, maybe we'd find a cure just a little bit sooner.


One bright spot for the nonmillionaire crowd is that mortgage rates fell to just 4.06% last week on 30-year, fixed-rate loans—giving buyers some much-needed financial relief. That's the lowest they've been since January of last year. It's also well under the nearly 5% mark they were hovering around in November.


text:
The Fan Man is a cult comic novel published in 1974 by the American writer William Kotzwinkle. It is told in stream-of-consciousness style by the narrator, Horse Badorties (the titular "fan man"), a down-at-the-heels hippie living a life of drug-fueled befuddlement in New York City c. 1970. The book is written in a colorful, vernacular "hippie-speak" and tells the story of the main character's hapless attempts to put together a benefit concert featuring his own hand-picked choir of 15-year-old girls.

Horse is a somewhat tragic, though humorous, character with echoes of other famous characters in popular culture such as Reverend Jim Ignatowski of Taxi fame. In his inability to follow anything through to completion he displays symptoms of attention-deficit disorder though this could equally be drug-induced. His defining characteristic is his joy in renting or commandeering apartments which he fills with street-scavenged junk articles until, full to bursting, he moves on to his next "pad". The name "fan man" is a reference to another of his traits; the collecting and selling of fans of all shapes and sizes. The book's most memorably absurd section is the chapter titled "Dorky Day" which features the repetitive statement of the word "dorky" by Horse as a cathartic mantra to dispel the ennui of a dead-end day.

1974 American novels
Novels by William Kotzwinkle
Novels set in New York City
Avon (publisher) books

redpajama_set_name: RedPajamaWikipedia


text:
Morgan Stanley Global Private Equity Completes Majority Investment in CoAdvantage
Morgan Stanley Global Private Equity (MSPE) announced today that it has completed a majority investment in CoAdvantage, Inc., one of North America's largest professional employer organizations (PEOs). MSPE partnered with the current management team who will remain in place and continue to drive organic and acquisition growth.
CoAdvantage is a leading PEO that offers small and mid-sized businesses a comprehensive package of outsourced human resources solutions enabling them to reduce their administrative burden, ensure compliance with employer regulations, and gain access to affordable employee benefits. The company integrates payroll and tax processing, employee benefit plan administration, risk management, government compliance and other human resources services into a single vendor solution that is extremely efficient and effective. Headquartered in Tampa, Florida, CoAdvantage services clients in all 50 states through multiple locations nationwide, including Florida, Texas, Colorado, New Jersey, and New York.
Aaron Sack, Managing Director of MSPE, said, "CoAdvantage is a premier PEO in North America led by an impressive and deep management team. PEOs are becoming increasingly vital to small and mid-sized businesses that want to efficiently manage the growing administrative and regulatory complexity while maintaining a strong focus on their core operations."
Jim Howland, Managing Director and Operating Partner of MSPE, added, "We are delighted to partner with CoAdvantage. The company's talented executives and strong focus on clients have positioned CoAdvantage as a leading player in the human resources outsourcing industry. We look forward to supporting CoAdvantage's impressive organic and acquisition-fueled growth."
Mike Maseda, Chief Executive Officer of CoAdvantage, said, "We are excited to partner with Morgan Stanley Global Private Equity and enter a new phase of growth to broaden our market presence and enrich our customer experience. We are proud of the work already accomplished and expect this new partnership to deliver significant value as we build upon our strong foundation of operational excellence and drive enhanced value to our customers."
This investment is a continuation of MSPE's human capital management and business services focus and follows four previous business services sector investments. These include Creative Circle, a specialized staffing agency representing advertising, creative, marketing, visual communication and digital/interactive professionals; Access Cash, an independent service provider that manages the largest network of ATMs in Canada; EmployBridge, a leading provider of light commercial temporary staffing services in the U.S.; and Zenith, a specialist provider of fleet solutions to corporations in the United Kingdom.
Morgan Stanley Global Private Equity is a leading middle-market private equity platform that has invested capital in a broad spectrum of industries for over two decades. Global Private Equity focuses on privately negotiated equity and equity-related investments primarily in North America, as well as Europe and other regions. Combining the talents of seasoned investment professionals and experienced operating partners, the team creates value in portfolio companies primarily through operational improvement. Global Private Equity also leverages the brand and unparalleled global network of Morgan Stanley to source investment intelligence and opportunities. Global Private Equity is part of Morgan Stanley Merchant Banking & Real Estate Investing.
Morgan Stanley Merchant Banking & Real Estate Investing (MB&REI) is the Firm's direct private investing group that puts capital to work on behalf of a diverse client base, including governments, institutions, corporations, and individuals worldwide. Through its North Haven and Prime fund families, MB&REI employs a consistent, proven value-creation approach across a full range of strategies, including private equity, real assets, and credit. From 22 locations around the world, over 400 experienced professionals with extensive private markets expertise and access to Morgan Stanley's global franchise provide an unparalleled network to source investment intelligence and opportunities. MB&REI's deep resources include best-in-class reporting, operations, and risk management, providing investors with a comprehensive approach to disciplined investing.
Morgan Stanley (NYSE: MS) is a leading global financial services firm providing a wide range of investment banking, securities, wealth management and investment management services. With offices in more than 43 countries, the Firm's employees serve clients worldwide including corporations, governments, institutions and individuals. For further information about Morgan Stanley, please visit www.morganstanley.com.


text:
Q: how to split string with multiple special characters in oracle I have a string with 2 special characters as below
String :'PAN~HLASD4564P|VOTER_ID~VDD3455355'

I want output in 2 columns as below :
ID_TYPE       VALUE
-------       ------
PAN           HLASD4564P
VOTER_ID      VDD3455355

enter image description here

A: You can use CONNECT BY and REGEXP_SUBSTR as follows:
SQL> WITH YOUR_DATA AS (
  2      SELECT 'PAN~HLASD4564P|VOTER_ID~VDD3455355' AS STR
  3      FROM DUAL
  4  ) -- Your query starts from here
  5  SELECT
  6      REGEXP_SUBSTR(NEW_STR, '[^~]+', 1, 1) AS ID,
  7      REGEXP_SUBSTR(NEW_STR, '[^~]+', 1, 2) AS VALUE
  8  FROM
  9      (
 10          SELECT REGEXP_SUBSTR(STR, '[^|]+', 1, LEVEL) NEW_STR
 11          FROM YOUR_DATA
 12          CONNECT BY LEVEL <= 2
 13      );

ID         VALUE
---------- -------------
PAN        HLASD4564P
VOTER_ID   VDD3455355

SQL>


text:
Dating app problem!
By Destroyed 33
June 9, 2020 in Healing After Break Up or Divorce
Destroyed 33
I'm freaking out right now inside. I recently ended a five-year relationship. I broke it off two weeks ago. I've been alone for over a week. I decided today to go onto a pretty obscure dating app. Strictly just to look and maybe give myself a little hope that there are other people out there that I might be interested in. I am not ready to be in a relationship. Literally just looking.
So like I said, I joined today. My ex messaged me tonight and said "nice profile pic" on said dating app. I cannot believe she was on there and found me. Same day, pretty obscure app. I feel completely disgusting and I absolutely cannot believe the odds. She was not happy about it. I never wanted to hurt her.
Was it a mistake? Should I really feel this bad? I feel like such a complete POS. When she messaged me it felt like I was struck by lightning. Not a good day.
reinventmyself
Uhmm, hello? She was on the dating site for the same reason.
Why let her try to embarrass you over it? She can't do that without your permission. Tell her 'Thank you. Back at yah'!'
Shrug it off and focus on yourself.
Thanks. I know. It's just that the break up was actually going very well. A lot of emotions but we were both very civil and mature. Now I feel like an a hole. Now has a reason to be angry and I hate the thought of that. Kills me.I just feel horrible. She won't believe me but I was just looking.
boltnrun
It doesn't seem like you two are acting like you're broken up.
Do you regret breaking up? Do you want to ask her to reconcile?
No. The whole situation is obviously very hard but unless she makes some very significant changes, there's absolutely no way it can work. And by changes I mean for her to be able to find happiness within her self. But that doesn't mean I don't have very strong feelings for her. I wish I didn't. I wish I didn't care.
Rose Mosse
Just deactivate the dating app for now. It's going to cause you more pain right now looking at other women when you're not quite all there.
I'm not referring to running into her either. You're just not ready.
If you're lonely, look at meetup.com and look for interest groups. Some of them are very obviously for singles and others are more get togethers for people of similar interests.
Stay away from the dating apps right now.
I think it's a red flag that she's on it fishing. Not a great catch. And further reason to keep things finished between the both of you.
Focus on you.
Skeptic76
She's your ex. You didn't do anything to intentionally hurt her - let her manage her own feelings.
And I agree with the other with other sentiments About staying off of OLD for a while until you get your feet u see you again.
SherrySher
It was 5 years, so yes, 2 weeks after a breakup and you're on a dating sites makes you look not great. It looks like she didn't matter and that you didn't care to be respectful enough to have a period of mourning over the loss of the relationship. After all, even though it ended, everyone wants to feel like they mattered and that they'll be missed, even if it can't be repaired.
For someone to jump straight onto a dating site, it makes it look like she meant nothing and you are more than ready to jump to the next girl.
Let's just say you were 'just looking'. It still isn't good to be doing that as you still need to heal (whether you think so or not) and you still need to let your ex go, mentally, emotionally and every other way possible until you feel no upset or pain over the loss, which can take a long time.
Because unless you're a cold hearted ass, you would most definitely not be ready to date again right now so soon after and would not be completely over her.
It makes more sense right now to reconnect with family and friends. Dating shouldn't be on the list for the time being. For a 5 year relationship? You should give it minimum 6 months before you go onto someone else.
Why was she on there? If she loved you at all, she was probably scouring the dating sites to see if you had made a profile. Doesn't mean she wants you back. It means she's not over you yet and is having a difficult time letting go.
So yeah, it wasn't a nice find for her.
Billie28
If you were just looking why then did you put up a profile pic?
It sounds like you checked out of the relationship before it ended.
Why do you feel bad?
limichelle
Why is she on the same dating App?
I figured the picture was required. I didn't fill out any of the other information whatsoever. Just wanted to take a peek. Horrible coincidence.
It's time to delete and block her and All her people from All your apps. Social media, messaging, dating apps, etc. No problem getting a profile to look around. The problem is not blocking her from everything and every device.
I decided today to go onto a pretty obscure dating app. Strictly just to look and maybe give myself a little hope that there are other people out there that I might be interested in.
My ex messaged me tonight and said "nice profile pic" on said dating app.
Andrina
Often, people are in very shaky mindsets after a breakup. You each made mistakes. What's done is done, so the only thing you can do now is what's best for yourself. Stay off the dating apps, because if your ex could see and message you, other women might as well. And when they find out you're weeks out of a 5 year relationship, the together ones will book it out of there like Speed Racer. And you are not ready to date, even if the breakup was your choice and you've been checked out for a while.
Give yourself time to learn how to be happy solo for a while--to regain the knowledge of who you are without a partner. You'll thank yourself later when you're at a better place mentally to date again.
lostandhurt
Did you respond?
Ignore her on all fronts. Block and delete her from everything and that problem is taken care of. You have enough to work on without her popping up every 3 days setting you back.
Do you want to heal and move on or not? It is that simple.
I am honestly not trying to be in a relationship whatsoever right now. Just taking a quick peek for the sake of some hope. I can't believe the odds. For the record I do horrible on those sites. Took me a whole year to find somebody and maybe three messages throughout the course of a whole year. Really bad. Just wanted to sneak a peek at what the scene looks like. It's horrible.
bluecastle
A few thoughts.
I know you're hurting right now, looking for something to boost your confidence, and totally understand the urge to find it by swiping around, by "just looking." Did the same thing myself, 24 hours after my last relationship ended. Not sure anything felt more icky and insincere, so I deleted the app and searched for confidence elsewhere: feeling the feelings, traveling, reading, connecting with friends, accepting that it was okay to just be lost for a bit. True game changer, that period, one that eventually primed me for the world of swiping and dating—and loving—on a different level than I'd ever known. Guess what I'm saying is that who you are in healing is who you are, the shape you heal into, so it's worth being mindful of the choices you're making in regards to where you want to be on the other side of this moment.
As for her response? Shrug it off. It's kind of just an extension, in the end, of why you've decided to breakup: the impulsiveness, the edge, the drama, the inability to process tough feelings with some grace and maturity. She's on there, after all, for the same reasons you're on there. In short, this is noise. Whether you're spending your days chasing orgies or meditating in a mountaintop cave, those choices are yours, not for her. She's free to judge them, of course, but to use that judgement as a means to connect—well, that's just a solid sign of someone to continue the melancholy process of disconnecting from.
She purposely wanted you to feel bad/guilty for revenge...it's your damn life you do what you want she has no say.....if she doesn't like it so what. Block and delete her. You broke up for a reason....I'm sure that was part of it. You need to be confident, do something fun, keep yourself busy...dating apps can wait.
The scene is always horrible. Dating apps are a blend of Mars and Jupiter - pock-marked with craters (gaping holes in logic and too-empty profiles), photoshopped mirages like terrible gasses swirling to confuse you and awkward conversations on top of sex-seeking and rebound casual hook ups (asteroids and meteors).
I met my husband that way but I can't say it was the best way to meet someone. There is always a hit and miss when you meet new people.
Cut yourself some slack, kick back with a margarita on a beach and feel the warm sun. Eat fresh coconuts.
The only thing that matters now is you, the sun, the warm summer air or cool air wherever you are.
A friend recently introduced me to podcasts but I can't seem to get into it because the constant talking is actually quite annoying to me. There are a few that I like though and put on occasionally. Maybe check this out and find new hobbies. There are whole galaxies waiting to be discovered. You don't need to be stuck on Mars and Jupiter.
I just think her comment is the pot calling the kettle black for her to even have seen you on that site! I would just move forward and block her drama.
Why shouldn't she be on dating apps if that's what she chooses? What, is she supposed to become a nun simply because some guy dumped her?
As the dumpee, though, it's a bit more awkward to beat feet to the dating apps and get caught doing so. And the whole "just looking" mentality is exactly why -- or one of the many reasons why -- the experience is so horrible for the majority. It reduces people to no more than merchandise. I mean "just looking" is what you do when you go shoe shopping.
She can be on dating apps all she wants. She just doesn't need to be hypocritical to the OP about it. Like it's only fine for her to move on.
Thank you. I keep trying to tell myself this but I just feel like such an idiot because I did not want to hurt her. I think she really just needed something to be mad at me about and I feel like an idiot that I gave that to her. Stupid move.
It's just crazy. What are the odds that she would be on the same random app and even sign up the same exact day. Ridiculous coincidence. It is what it is though. I cannot control her feelings even though I feel like what I did was really very harmless. We both had every right to go on an app, my intention was only to look in absolutely under no circumstances begin a new relationship anytime soon at all. No way am I ready. Just wanted to take a friggin peek.
DancingFool
So much drama over nothing. Do you normally have this tendency to whip up drama, make a mountain out of a molehill?
She was so heartbroken that she was already on a dating app....give me break or rather give yourself a break and stop being ridiculous. You are not that important that you "broke" her heart. That's a level of arrogance and self importance on your part that you really need to get in check.
I still give them same response. Its too soon for either of you. Both of you need to focus more on friends and family. Not to try to place blame, but you both failed at a serious relationship.
Because of that, neither of you are ready for any kind of new relationship. You should both stay single, reflect on what went wrong, not just with the relationship, or the other person but also with yourself.
"Peeking" seems useless right now. Think of it more like this. What do you have to offer someone? What mistakes did you make in the last relationship? What failures do you want to improve on within a relationship and with yourself?
Until improvement can be made on BOTH sides, yours and your ex's, neither of you are any good for anyone else. All you will do is get back into a relationship that goes downhill and has the same problems as the last one.
It's easy to place blame on the other person and say "it was all them, all their fault!" but truth be told, you choose them for a partner. You stayed with her for 5 years. If there were failures, there must have been some failures on your part as well. The least of them being, your judgement, as for the worst, that's for you to figure out.
But it's most definitely not all on them.
You and her truthfully have no business on any dating site as neither of you have anything good to bring to anyone, right this second. Too much healing still needed, too much improvements still needed.
So what exactly are you doing while you "peek"? You just look at their profile pics? Why do you need to be on a dating site to look at pics of women? And how does that help you move on from your previous relationship?
I'm serious, I really am curious to know why you would want to do this.
Help; hes ignoring me idk why
By Daphne, Wednesday at 12:36 AM
guy behaviour
situationship
ignoring me
Cherylyn
Expectations, second date 1 2
By oldworld, November 29, 2022


If the council succeeds with its application, it is at the higher end of the options normally granted by IPART.
TRRA notes the current Council which is proposing the SRV has only 18 months to run before the next elections. We do not recall any of the current Councillors expressly flagging an intention for an SRV during the election campaign in 2017.
TRRA suggests that a less ambitious project list and shorter period for rate rises would be much more saleable to the community and allow the necessary flexibility to respond to the changing social, business, technical and financial conditions. There would be greater opportunity to assess the success of Council in delivering the programme and if proven, there would be an option of applying to IPART for an extension of the SRV.


The Forest Hill Society plans to enter the 'It's Your Neighbourhood' section of London in Bloom 2011. With a February deadline for submission, the inaugural ideas and volunteers planning meeting will be held on Sunday, January 16th 2011 at 3pm at the Devonshire Road Nature Reserve.
The geographical limit – what "our neighbourhood" will cover – will have to be defined, but we will probably start modestly in our first year, perhaps limited to a small central patch to see how things develop. We might just start with the green area in front of Forest Hill station. But all decisions have yet to be made on what and where to plant; what sponsorship or funding we might attract and generally how we are going to proceed with this new enterprise. So input from the wider community is essential: this is YOUR Forest Hill so we need to know what you think about sprucing it up with flowers.
If you have ideas, this is your chance to be involved in beautifying Forest Hill and greening up our town centre. If you have green fingers and would like to get dug in, would like to learn, or just have some thoughts about what you would like to see, please contact quetta@foresthillsociety.com. Better still, come along on the 16th to help shape our entry.
With a little bit of work, Forest Hill will bloom in 2011.


If storage is the name of the game then the Uno 4 from Stompa Beds should definitely hit the spot.
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Crafted from good quality pinewood and finished in a matt white, this design is simple with clear lines and a sturdy and well built structure.
The package includes 3 cubed units which each come with a pair of cupboard door fronts, you can select from a choice of 5 colours.
The space-saving straight ladder can be positioned on assembly to either end of the bedframe.
The sleeping section requires a mattress that measures 200cm x 90cm x 16cm, we offer a selection of suitable mattresses on price saving deals to add to your package.