text:
iPayTotal Review
iPayTotal Merchant Services
Credit Card Payment Processing
High-risk Payment Processing
iPayTotal Fees, Rates & Pricing
Hidden Charges
iPayTotal Complaints
Rip Off Reports
Other Complaints
iPayTotal BBB Rating
BBB Reviews
Is iPayTotal Legitimate?
iPayTotal Customer Reviews
iPayTotal is a merchant account provider for standard- and high-risk companies. It boasts of employing the best practices in the payment solutions industry by developing the methodologies for specific businesses. This software development capability allows the company to create a structured solution for any business.
It offers merchant services for high-risk industries, such as CBD businesses. However, the company did not say what other high-risk industries it serves. According to iPayTotal, it also has a UI/UX design service that creates prototypes, design patterns, wireframes, navigation, and data visualization. Here are the other services being offered by the company:
iPayTotal can provide a credit card payment gateway for all types of businesses. This will allow companies to process card payments and further grow their markets. Remember that every business must be able to process cash, card, and check payments in-store and online in this day and age.
iPayTotal claims that it can also provide payment solutions for high-risk industries. It did not provide a list of industries, though it mentioned CBD businesses.
iPayTotal did not disclose the processing fees on its website. However, one review site revealed some information about the company's pricing. The swiped and keyed-in rates are between 1.00 percent and 4.99 percent. There is also a setup fee of £4,500.
iPayTotal has many additional fees. These are the following:
Platform Onboarding Fee – £5,000
Onboarding Support Fee – £2,000
Monthly Platform Fee – £2,500
Special Transaction Fee – £1
Third-Party Risk Check Fee – £0.015
3D Secure Processing Fee – £0.030
E-commerce Platform Fee – £250
Professional Services Fee – £150
There is also no information about iPayTotal's hidden fees.
Although there are no formal complaints against iPayTotal, there are some comments about how the company shut down merchants after 12 weeks even though they paid the setup fee. Merchants also complained about the unexpected account closure, poor customer support, and an unfriendly application process.
Some merchants called iPayTotal a ripoff.
Merchants called out iPayTotal for its poor customer service.
iPayTotal is not listed on the Better Business Bureau (BBB). Therefore, it is not an accredited company. It also does not have a rating. The bureau usually assigns a rating between A+ and F to payment processing companies and other businesses.
iPayTotal does not have reviews or complaints on the BBB site.
iPayTotal seems to be a legitimate company. It has profiles on social media and business networking sites. On top of those, the company received legitimate reviews on Trustpilot and other review sites.
ScamAdviser gave iPayTotal's website a fair rating of 65/100. While the website is not a scam, visitors should still be careful when accessing it because of possible hacking and phishing. The website only has two positive highlights, security-wise. These are the presence of online shopping features to deter scams and the fact that the site had been set up several years ago.
The website has a lot of negative highlights, such as the following:
The owner's identity is hidden.
The Alexa rank is low.
The site's server has other websites with low reviews.
There are not a lot of websites linking to the site.
There are negative references on social media.
There are no reviews on popular review sites.
There are many scam reports about iPayTotal. On review sites Trustpilot and Reviews.io, merchants called the company scam because it was apparently set up to steal credit card details. One merchant said that the previous iPayTotal had already closed, and the new one was established to do pretty much the same—run away with the clients' money.
Despite accusations of being a scam, there are no lawsuits against iPayTotal.
iPayTotal has a lot of customer reviews. On Trustpilot, it has a rating of 4.5 out of 5 stars for 407 reviews. On Reviews.io, it has a rating of 4.1 out of 5 stars based on 137 reviews.
Many of the merchants raved about iPayTotal's customer support and fast setup. Some even said it is the best gateway provider because it has a solid team, is a good communicator, and responds quickly to concerns. The merchants also said the team was helpful even during the COVID-19 pandemic as the company even suggested measures to protect the merchants' profits.
At least one merchant said that iPayTotal has a low-cost fee structure. It is also apparently a good company for gaming and forex businesses. The merchants added that iPayTotal is a great international payment gateway that allows them to reach global markets.
However, there are several negative reviews about iPayTotal. One merchant argued that iPayTotal was a new company to cover the scam allegations against its previous name. Another merchant alleged that the company would just steal credit card details, while one customer accused iPayTotal of not answering his emails and not giving back the funds it held.
Although iPayTotal has some negative reviews, these are not enough to push down its rating. The company still has an excellent rating overall, so it's safe to say that merchants can check out what it has to offer. However, merchants have to be careful in transacting over its website since ScamAdviser only gave it a "fair" rating.


text:
Do You Ever Feel Too Feminine For Feminism?
HomeAll Posts...Do You Ever Feel Too Feminine For Feminism?
05/25/2018 Feminism Nell daly
Article by Stephanie Newman, Originally published by Writing On Glass on September 24, 2017
When I was a teenager, one of the reasons why I didn't consider myself a feminist was that I grew up loving girly things: Barbies and unicorns, doll houses, tea parties. I'm sure my affinities were reinforced by all the pink aisles at Toys 'R Us, but they never felt imposed on me. Over the years, my genuine excitement for socially sanctioned "girl" activities stayed the same, even as the activities themselves evolved from "My Little Pony" to fashion and interior design. These were pastimes I loved that also happened to signify femininity.
In college, I downplayed some of my interests because I was afraid people would take me less seriously. I joined a fashion magazine freshman fall, then quit that spring because I was embarrassed about affiliating with such a girly organization. I rushed a sorority and became less involved with every passing semester, wary of the cat-fighting bimbo stereotypes that were attached to it. Increasingly, I focused on "gender neutral" hobbies and co-ed extracurriculars, trying to erase my femininity in order to seem like a mature and intellectual adult.
This was internalized sexism. I didn't recognize it as such until I started reflecting on why I had developed a repulsion for things I used to like. Why did I disavow shopping when I stopped to admire stylish outfits on window mannequins as I walked to work? Why did I decide I better not have any pink on my professional website? I still liked these things. But femininity has a connotation. It conjures up an images of a Legally Blonde-inspired, cookie-baking fests complete with facials and blowouts, a phrase that sounds frivolous and disdainful even as I type it out.
Where do these negative connotations of femininity come from?
The predominant stereotype is that frilly, pink, and high-heeled translates to vapid, materialistic, and superficial. That's a problem. Author Julia Serano writes in her book Whipping Girl that "sexism is rooted in the presumption that femaleness and femininity are inferior to (and only exist for the sexual benefit of) maleness and masculinity.'" In The H-Spot: The Feminist Pursuit of Happiness, lawyer Jill Filipovic gives some strong examples of where this bias comes into play:
"Culturally, 'girly stuff' is denigrated while men's stuff is elevated: fashion is shallow and women's magazines are trashy, but sports are a valuable national pastime and men read Playboy and Esquire for award-winning journalism…The same goes for clothing: 'unisex clothes' are traditionally men's clothes that women can also wear. Women having taken up wearing pants en masse, but most men do not wear skirts or dresses. Women can embrace guy stuff and it's a sign of clout and authority; men who embraces girl stuff are weak, less powerful, gay."
It's not only 'girly stuff' that gets the short end of the stick. Women who embrace these pastimes are often considered to be just as shallow as the activities themselves. To be feminine is to walk the unbearably thin line between social approval and mockery. Women who like 'girly stuff' are at once considered sexually desirable and unintelligent. Consider all the people (especially straight men) who roll their eyes when women talk about makeup and hair. Then read this Reddit thread about women who test makeup vs. no-makeup profile pictures on OKCupid. (Spoiler alert: the makeup photos are more successful, and the most popular woman on the dating site is a cosmetic artist.)
Sometimes, hobbies like fashion and beauty get mixed in with behaviors that we typically categorize as "feminine," like popularity contests and cattiness. One feminist thinker who's explored this concept is the Swedish scholar Ulrika Dahl, who writes, "Markers of femininity are sticky; they conjure up competition and popularity, sometimes also privilege…To wear pretty things is to engage in a game of 'I want to be popular', to not be serious, to be too much body." Dahl also points out that these associations with femininity aren't just the domain of men. Loads of women and self-proclaimed feminists hold grudges against the feminine for reasons of their own.
In fact, it took me a long time to feel at home more radical feminist circles, and I think my femininity was the primary reason why. At gatherings filled with women who identified more with masculinity, I'd often feel like the "square" in the room: the traditional-looking straight woman, wearing a dress and eyeliner and long hair. Even among progressive women, I was worried I would be dismissed on the grounds that I was too mainstream.
I got over it, but I can still identify with Ulrika Dahl when she points out that "the contempt for femininity is a kind of feminist sexism." So many people think that being a feminist means acting more like a man, as if acting like a woman is inherently wrong. But in my mind, this only strengthens sexist biases. The underlying issue isn't femininity. It's the male-centric value system that universalizes masculine activities and traits while marginalizing feminine ones.
Now, I do think it's important to acknowledge that non-feminine women face discrimination for not fitting into traditional gender structures. Let's also be clear that the mass definition of femininity often excludes women of color and LGBTQ+ women. But once again, the real problem isn't femininity. It's the fact that the categories of "feminine" and "masculine" become prescriptive, until inanimate objects, colors, and personality traits become loaded with subtle meaning.
Feminists — myself included — can do better by not vilifying "femininity." If I've learned anything from grappling with my own girliness, it's that dismissing the feminine and embracing the masculine won't earn women the same respect as men. But dismantling the prevailing notion that femininity is related to superficiality — that could make a dent.

redpajama_set_name: RedPajamaCommonCrawl


Whether you are an amateur or an enthusiast, find all the accessories that will be useful to you during this moment of pleasure. Discover a wide selection of essential wallets from the biggest brands of handbags.
You will find with a few clicks a Cross wallet, in which you will be able to store and optimize your credit cards, visit cards and more ! The brand Ogon offers you a wave-resistant wallet based on the Faraday cage system. Choose the perfect wallet over a wide selection of wallets in different colors, matters and shapes.
Travel lovers will be delighted with this ST Dupont Black Passport Case Elysées . It offers excellent passport protection, while allowing it to be accessible at all times. Otherwise, it has an additional pocket for storing other papers such as air tickets. In addition to being practical, this case is also very elegant, and of great quality, especially with its black leather finish, as well as the colors "blue, white, red" which are at the bottom of the accessory. It would be perfect to make it a gift to oneself or to a loved person.
The know-how of the Cross brand in leather accessories is further demonstrated with this lady's wallet in black leather. It can very well marry with all types of bag and all outfits, while bringing a great class with its noble material. It can hold several banknotes in its large pocket, but also credit cards or loyalty cards in its 6 tidying up, to facilitate payments during your shopping. Two other small flat pockets are available for coins or papers, as well as an outside pocket that closes with a snap. Note that the wallet also closes with the same system.
- Capacity: a dozen of cards and banknotes- Maximum Size: 10.6 x 7.7 cm- PVC compartments, one hand opening- RIFD Safe: Once put into the wallet, the cards are protected against data theftPresentation:Wallet delivered in its Ögon original clear packaging, made from recycled materials.
- Wallet separated in two parts with plenty of storage space- Capacity: about 10 cards, passport, ID documents, coins…- Maximum Size: 12.5 x 8.8cm- Zipped fastening- RIFD Safe: Once put into the wallet, the cards are protected against data theftPresentation:This product will be delivered in a fabric pocket which will be in a black gift box.
The 4C ST Dupont Line D ELysee wallet and banknotes is very practical with its four credit card slots, two large pockets for storing banknotes and two small pockets that can hold coins. Its black leather (cowhide leather for outdoor) has been selected for its quality by the French brand of high quality accessories, Dupont. This wallet is therefore the ideal gift to offer a man who loves quality products. Moreover, it is delivered in a branded case with velevt fabric protection.
Don't hesitate to buy this fabulous dark green Ogon Big Stockholm wallet ! Very handy, it can hold up to twelve cards with your driving licence. Incredibly solid, it is made of aluminium, PVC and resin. Your cards will be protected and will no longer get folded in the back pocket of your trousers. Thanks to its beautiful bright green colour and its unusual shape for a wallet, you will be able to come into the limelight. You will never go without your trendy, modern Ogon Big Stockhom wallet. It will undoubtedly please the most demanding men and women!
The branded wallet cigar lovers!
This is an accessory that will be your most useful companion everywhere : the Ogon or Truvirtu wallet assures you a certain presence. Like the other product from the Humidor Station website, this wallet is available in different models (shapes and colors varied), every product is finely worked in detail, to guarantee you the best quality possible. You can choose the dimension you would like, and the style you rather like. In your pocket, choose the comfort by choosing a pleasant and relaxing wallet, thanks to this wide choice of materials and brands.


Author Imre Kertész accepts congratulations from Prime Minister Viktor Orbán before receiving an Order of Saint Stephen medal on August 20, 2014.
On August 20, 2014, Jewish-Hungarian author Imre Kertész (along with Rubik's Cube inventor Ernő Rubik) received an Order of Saint Stephen medal—the highest state award in Hungary—in an official ceremony at the presidential Sándor Palace in Budapest.
Kertész is the author of the Nobel Prize-winning novel Fatelessness, a semi-autobiographical work based on his experiences at the Auschwitz-Birkenau and Buchenwald concentration camps in 1944–1945.
Kertész is regarded as a liberal author in Hungary. The explicitly anti-liberal administration of Prime Minister Viktor Orbán presumably decided to present Kertész with the Order of Saint Stephen in honor of the government-sponsored Holocaust Remembrance Year commemorating the 70th anniversary of the deportation of around 500,000 Jews from Hungary to concentration camps in greater Nazi Germany during the spring and summer of 1944 (see official website in English).
Nothing new in this country. The leader who fascinates: today one is in the same situation as during the era of János Kádár. Hungary is enchanted by Orbán like the Pied Piper of Hamelin. This goes back to something very profound. And, with me, to a true doubt. . . . The question that I ask myself is: why does Hungary always go wrong? . . . The current situation is nothing more than an illustration of this propensity for error. The Hungarian state is currently choosing to oppose Europe in the name of defending national interests, which can give the impression of a return to sovereignty. But, once again, this is a mistake. Nothing new. No problem. And no solution because there is no problem. . . . Hungary is an inevitability that has no meaning or explanation and is unique in Europe. Hungarians cling to their destiny. They will no doubt end up failing without understanding why.
In a statement released before the ceremony, Kertész said that "the desire and urgent necessity to establish concensus" had prompted him to accept the Order of Saint Stephen award from an administration for which he has expressed nothing but disdain in the past (source in Hungarian).
This is the same administration that maintains an official policy of strict opposition to all manifestations of anti-Semitism in Hungary, yet at the same time deflects blame for the mass deportation of Jews from the country in the final year of the Second World War from the Hungarian government onto the Germans both explicitly in the Fundamental Law and implicitly in the symbolism of the recently inaugurated German Occupation Memorial in Budapest. This is the same administration that has accorded official recognition to current journalists such as Zsolt Bayer, Ferenc Szaniszló and Péter Szentmihályi Szabó and past authors such as Cécile Tormay, József Nyirő and Albert Wass who have expressed overt anti-Semitism in their writings.
Prime Minister Viktor Orbán and historian John Lukacs look out over the city of Budapest in May 2013.
The above actions have prompted U.S. authors and survivors of the Hungarian Holocaust Elie Wiesel and Randolph Braham to return Hungarian state awards. Many left-liberal Hungarians were disappointed that Kertész, who is dying of Parkinson's Disease, chose to accept the Order of Saint Stephen from the Orbán administration—disillusionment reflected in the title of an editorial published on the opposition website index.hu on August 15: "Imre Kertész has Become the Government's Holocaust Clown" (source in Hungarian).
The primary motive of the Orbán government for honoring Kertész and Lukacs is obvious: to make a show of support for Hungarian intellectuals who have gained high esteem in the liberal-democratic West in order to counterbalance the heavy criticism from that direction of the illiberal, quasi-Putinist system it is building in Hungary.
However, one wonders what factors impelled the 84-year-old Kertész and 89-year-old Lukacs to fraternize with the Orbán administration in what were very likely their final public appearances: Yearning? Resignation? Isolation? Degeneration?
The fate of very old men to make peace with the world before they leave it?
1-Lukacs did publish an editorial in the opposition newspaper Népszabadság in January 2014 in which he criticized the Orbán government's rapprochement with Russia (see An Archconservative Speaks Out).
Érpatak Mayor Mihály Zoltán Orosz stomps on a modified Israeli flag.
On August 2, 2014, de facto Jobbik (de jure independent) Mayor Mihály Zoltán Orosz of Érpatak (eastern Hungary, population 1,700) hanged current Prime Minister Benjamin Netanyahu and former President Shimon Peres of Israel in effigy from gallows erected in front of the village council building. Mayor Orosz conducted the mock executions after ceremonially trampling on an Israeli flag bearing a Masonic Square and Compass in place of the Star of David to protest the "continual holocaust taking place in Palestine," specifically the hundreds of Palestinians killed during Israel's military operations in Gaza (video of event in Hungarian).
Orosz, who became the mayor of Érpatak in 2010, has become well-known in Hungary for appearing at public events in various types of Hungarian historical costume and for his so-called "Érpatak Model" of maintaining order in the village, which essentially consists of imposing coercive measures on its Gypsy inhabitants in order to compel them to do public work and respect the law (source in Hungarian).
Orosz is also a known for his close connection to radical-nationalist organizations such as the New Hungarian Guard, the Outlaw Army (Betyársereg) and the 64 Counties Youth Movement (Hatvannégy Vármegye Ifjúsági Mozgalom) as well as various neo-Nazi Hungarist groups (source in Hungarian).
Mayor Orosz watches as the executioner kicks the stool from underneath the effigy of Shimon Peres.
During one of his annual public commemorations of the attempt of German and Hungarian military forces to break out of the Soviet siege of Budapest in February 1945, Orosz referred to Second World War fascist Arrow Cross head of state and government Ferenc Szálasi as Hungary's "martyred national leader" (source in Hungarian).
Orosz has also launched an increasing number of high-profile attacks on liberals and manifestations of liberalism in Hungary, most recently making the 200-kilometer trip to Budapest earlier in the summer to heckle participants in the city's annual gay parade (source in Hungarian).
On June 18, 2014, the Nyíregyháza Court of Justice ruled that Orosz had committed an illegal act of political discrimination when he ordered police to remove a local member of the Hungarian Civil Liberties Union from his 2013 commemoration of the 1945 German-Hungarian attempt to escape the Soviet siege of Budapest (source in Hungarian).
The hanging in effigy of Israel's head of government and former head of state that Orosz organized on August 2 may entail further legal proceedings against him: on August 5, Hungary's Chief Prosecutor's Office announced that at the request of the Israeli embassy in Budapest it had initiated an investigation of the mayor of Érpatak on suspicion of incitement (source in Hungarian).
Sign on gallows used to hang the effigy of Shimon Peres.
And, for the first time, the Orbán administration condemned Orosz's antics: on August 4, Minister of External Economy and Foreign Affairs Tibor Navracsics issued a statement in which he declared that "Arbitrary and symbolic administration of justice toward the leaders of other states is incompatible with European norms and rule of law. The mayor is exploiting the innocent victims of the Gaza war as a pretext for disseminating his malicious propaganda" (source in Hungarian).
Perhaps the Orbán government will soon decide that it really wants to inhibit the spread of racist radical nationalism in the economically disadvantaged regions of rural eastern and southern Hungary after either ignoring or tacitly encouraging this phenomenon during the 2010–2014 parliamentary cycle. However, Mihály Zoltán Orosz's ardently anti-liberal, anti-Semitic, anti-West and anti-democratic policies and activities as mayor of Érpatak, the victory of 64 Counties Youth Movement leader László Toroczkai in by-elections for mayor in the village of Ásotthalom in December 2013 (see The First Little Pinprick) and the significant degree of support for the New Hungarian Guard (see Uniform Disorder) and Jobbik (see Crunching the Election Numbers) in these parts of the country suggest that it may be too late.
Postscript: a reporter from the opposition weekly Magyar Narancs talked to the man who played the role of executioner in the mock hanging: he reported that Mayor Orosz had enlisted him to do this job as part of his village "social work" duties and that "It doesn't matter to me who's shooting who and who they are hanging" (source in Hungarian).
Workers complete the German Occupation Memorial early on the morning of July 20 (source: atlatszo.hu).
July 20, 2014—about an hour after midnight: a convoy of trucks, police vans and a crane pulls up to the incomplete German Occupation Memorial on Szabadság [Freedom] Square in central Budapest (see What Is Truth?).
Workers emerge from the trucks and erect security fence around the perimeter of the memorial and at all points of access to the square as approximately 100 police officers stand guard (source A and B in Hungarian).
A few late-night stragglers observe the spectacle from a distance. A couple of them take video on their mobile phones.
The crane lifts the missing statue elements—a German Imperial Eagle (Reichsadler) representing Hitler's Third Reich descending upon an Archangel Michael representing Horthy's Hungary—into place, thus completing the structure that has been standing unfinished for weeks.
The next morning the opposition media reports the news in the greatest detail possible, most of them relying on a video published on the website atlatszo.hu.
The Hungarian News Agency MTI that serves as the source of news for all Hungary's state-run television and radio stations makes no mention of the overnight completion of the memorial, reporting only the protest of various opposition parties beginning later in the morning.
A group of about 200 demonstrators gathers spontaneously at the newly completed memorial to the victims of Nazi Germany's occupation of fellow Axis power Hungary in the final year of the Second World War, pelting the statue of Archangel Michael with eggs. The large contingent of police protecting the memorial does not intervene, though initiates petty-offense procedures against the egg throwers (source in Hungarian).
U.S. historian Randolph Braham: returned his Hungarian state award in protest.
The Prime Minister's Office decided in January 2014 to build the memorial in an expedited procedure by the 70th anniversary of the 1944 German invasion of Hungary on March 19. Prime Minister Viktor Orbán and Prime Ministry chief János Lázár presumably intended the memorial to serve as a means of arousing pro-Fidesz patriotic fervor ahead the National Assembly election in April.
The published design for the statue showed a predatory Imperial Eagle swooping down, talons extended, upon a helpless Archangel Michael, arms spread in resignation, evoking harsh criticism from the liberal-left opposition and Jewish organizations because it implied that Germany, not Hungary, was responsible for the post-invasion deportation of around 430,000 Jewish Hungarians to concentration camps in the Third Reich, almost all of them to Auschwitz.
The main Jewish Hungarian organization MAZSIHISZ announced in early February that it would not participate in any official state commemorations of the 70th anniversary of the deportations, partially as a result of the government's decision to build the memorial (source in Hungarian). Furthermore, the World Jewish Congress and 30 Jewish members of the U.S. Senate and House of Representatives asked the Orbán government to reconsider the planned memorial (source A and B in Hungarian).
U.S. historian and 1943–1944 Hungarian Labor Battalion conscript Randolph Braham, one of the leading world specialists on the Hungarian Holocaust, returned the state Order of Merit award the Orbán government presented to him in 2011 to protest the German Occupation Memorial, stating that "I regard this to be a cowardly attempt to divert attention from the role the Horthy régime played in the annihilation of Jews and to obfuscate the Holocaust with the 'suffering' that Hungarians incurred as a result of the German occupation, whereas the historical facts prove that rather than resistance, the latter was received with general applause" (source A and B in Hungarian).
Taking Horthy for a ride.
Prime Minister Orbán responded to international criticism of the proposed German Occupation Memorial during his February 17, 2014 "Appraisal of the Year" (évértékelő) address: "I am still astonished, though I didn't undertake this profession just yesterday, how they get the nerve to tell us, even expect us, to think, how we should commemorate, what goals we should set, what we should do and what we should not do" (source in Hungarian).
However, on February 19 the opposition daily Népszabadság reported, citing unnamed sources, that the government had decided to postpone construction of the German Occupation Memorial until after the April 6 National Assembly elections for two reasons: because unveiling the statue before the elections would be "divisive"; and—perhaps more importantly—because preparation of the various elements of the memorial was behind schedule (source in Hungarian).
Although the government never officially announced the postponement, on February 20 the Prime Minister's Office provided the media with a letter that Prime Minister Orbán had written to MAZSIHISZ stating that due to the election campaign "the time is hardly suitable for us to calmly and compassionately express our opinions to one another" and that they "continue their dialogue after the [post-election] Easter holidays that bring renewal to us all" (source in Hungarian).
German Occupation Memorial under construction (photo: Orange Files).
Construction of the German Occupation Memorial began unannounced on April 8, two days after Fidesz won a convincing victory in Hungary's 2014 National Assembly elections. About 300 protestors appeared at the location of the memorial immediately after the media reported that construction had begun, staging a spontaneous demonstration during which they pulled down a security fence that workers had built around the building site (source A and B in Hungarian).
Within days, the area in front of the German Occupation Memorial site was full of mourning stones (which Jews traditionally place at grave sites instead of flowers), records and mementos from the Holocaust, portraits and personal belongings of victims and signs and photographs showing scenes from the deportations and concentration camps as well as evidence of Hungary's alliance with Nazi Germany (the iconic image of Horthy and Hitler enjoying a mirthful moment while riding together in the backseat of an open automobile in 1938 was especially popular).
Orange Files visited the location of the memorial on several occasions over the next three months: each time two or three dozen people, many of them foreigners, stood examining the growing protest shrine and police-protected columns rising above the covered security fence surrounding the work site (see Orange Files photo gallery).
Police protecting the newly completed memorial (photo: Orange Files).
It was one of the few times that Prime Minister Orbán, the consummate political tactician, had painted himself into a corner: he had vastly underestimated the vehemence of opposition to the German Occupation Memorial and the time it would take to build the structure, thereby nullifying its original purpose of generating nationalist political support in the run-up to the spring elections; and he had vastly overestimated the ability of average Hungarians to understand the intended symbolic message of the memorial portraying Hungary as victim rather than perpetrator during the Second World War, particularly with regard to the Holocaust. In short, it quickly became evident that the German Occupation Memorial entailed many potential political costs and no potential political benefits.
The prime minister ostensibly timed the overnight completion of the memorial on July 20 to attract as little attention as possible: not only was the city of Budapest remarkably deserted on that date, many of its residents either on vacation or at their summer homes along Lake Balaton for the weekend; but the shooting down of Malaysia Airlines Flight 17 over eastern Ukraine and the Israeli invasion of the Gaza Strip were consuming the interest of both the residents of Budapest and people throughout Europe and North America (source in Hungarian).
The Orbán government reportedly intended to hold an unveiling ceremony on July 21, though cancelled the event at the after the scheduled speaker, Prime Minister's Office State Secretary László L. Simon, backed out at the last moment (source in Hungarian). Prime Ministry chief János Lázár announced on this date that there would be no official unveiling ceremony (source in Hungarian).
Yesterday the Hungarian government fulfilled its obligation to the constitutional order, to past victims and to Hungarians living today. We put the work of public art into place, one that is designed to express the pain and affliction that the Hungarian nation felt and suffered as a result of the loss of its freedom.
The newly built German Occupation Memorial has been the site of all-day peaceful protest activity and public discussion over the five days since its completion, much of it organized by the Facebook group Living Memorial (Eleven Emlékmű). Most of those present at the memorial appear to be either Budapest Jews or foreign tourists. However, the German Occupation Memorial could quickly become a rallying point for the Hungary's growing democratic opposition, Jewish and non-Jewish alike.
An early indication: on July 25, a protestor suspended a banner reading "We Mourn Democracy" from one of the arms of the statue of Archangel Michael. More than a day later, police guarding the memorial had still not taken it down.
We Mourn Democracy (photo: Orange Files).
12-Refers to attorney György Magyar's assertion that Gypsies have the right to launch legal proceedings against Gyula Court of Justice Judge Dr. Erika Mucsi for allegedly racist statements she made about Gypsies in the court's March 24, 2014 decision not to dissolve the radical-nationalist For a Better Future Self-Defense organization on charges that it has intimated the Gypsy populations of several communities in rural Hungary.
13- Alleged statement from Hungary's Ambassador to Algeria Csaba Mohi regarding how police in Algiers would respond to trespassing at the site of the city's Monument des Martyrs in reference to protesters having pulled down a cordon around the controversial memorial to the 1944 German occupation of Hungary under construction in Budapest (see What Is Truth?).
14-Reference to the police removal on April 29 of demonstrators from the site at which the German Occupation Memorial is being built in Budapest.
17-Reference to initiation of legal proceedings against demonstrators whom police carried away from the site of the German Occupation Memorial in Budapest.
Proposed design for the 1944 German-occupation memorial on Szabadság Square in Budapest.
An official from the fifth district of Budapest recently (January 19) revealed the design for a memorial commemorating the German occupation of Hungary on March 19, 1944 to be unveiled in the district on the 70th anniversary of the invasion this spring (source in Hungarian).
The planned memorial shows an eagle representing Germany (the Reichsadler, or Imperial Eagle) swooping down upon a helpless, open-armed Archangel Gabriel, who represents Hungary (source in Hungarian).
The memorial embodies the declaration in the preamble to the Fundamental Law that came into effect in 2012 stating that Hungary lost its independence on the date of the German invasion (and did not regain it until the first post-communist democratic elections in 1990).
The implication of this declaration in the Fundamental Law and the symbolism of the memorial: Germany, not Hungary, was responsible for the deportation of some 430,000 Jews to concentration camps (nearly all of them to Auschwitz), between May and July of 1944.
It is true that under pro-Anglo-American Prime Minister Miklós Kállay, Hungary rejected Nazi Germany's request to deport Jews from the country beginning in 1942.
It is true that Hungary would likely not have deported Jews had the German occupation not taken place.
However, it is also true that Hungary did not resist the German invasion in March 1944—though vigorously resisted the Soviet invasion of the country that began six months later.
German motorcycle unit at the Fisherman's Bastion in Budapest following the invasion of Hungary in 1944.
It is also true that Hungary's leader, Regent Miklós Horthy, remained in power following the German invasion and throughout the subsequent eight-week period of Jewish deportations.
Moreover, the Hungarian government under pro-Nazi Prime Minister Döme Sztójay organized the deportations in cooperation with SS Obersturmbannführer Adolf Eichmann, while the Hungarian gendarmerie (csendőrség) carried them out.
Hungary's government had, in fact, adopted three separate laws between 1938 and 1941 limiting the number of Jews who could work in various occupations and fields and banning marriage and sexual relations between Christians and Jews. It also deported 18,000 Jews without Hungarian citizenship (primarily refugees) from Hungary to the German-occupied city of Kamyanets-Podilsky, USSR in August 1941, shortly after the launch of the invasion of the Soviet Union. The Germans executed about 15,000 of these deportees in the first mass murder of Jews during the Second World War.
Officials from the main Hungarian Jewish organization, the Alliance of Hungarian Jewish Communities (MAZSIHISZ), voiced objection to the proposed memorial's message that angelic Hungary was defenseless in the face of the German predator in 1944 and therefore bears no responsibility for the deportation of Jews from the country.
Hungarian gendarmes rounding up rural Jews.
In typical fashion, Prime Minister Viktor Orbán's reaction to these objections was founded upon the false premise that they were based on rejection of the notion of honoring the hundreds of thousands of Hungarian citizens who died as a result of the 1944 German occupation rather than rejection of the notion that the Hungarian government and people played no role in their deaths.
Fidesz National Assembly Caucus Chairman Antal Rogán, who also serves as mayor of the fifth district of Budapest where the memorial will be located, deflected objections to the proposed design by suggesting that the beholder is solely responsible for interpretations of its symbolism: "Everybody can read whatever they want to into the symbolism," he said (source for Rogán and Orbán quotes in Hungarian).
The proposed design of the memorial, which the Prime Ministry commissioned sculptor Péter Párkányi Raab to complete from start to finish in a period of just over ten (!) weeks, has also been subject to harsh criticism on aesthetic grounds.
And on financial grounds as well: the government has allocated 318 million forints (1.04 million euros) to build the memorial, of which it will pay 211 million forints (691,000 euros) directly to Péter Párkányi Raab (source in Hungarian). Although the sculptor will obviously have to subtract considerable building costs from this fee, even one-quarter of this sum would amount to 20 years' pay for the average Hungarian wage earner.
The ostensible purpose the new memorial in Budapest commemorating the German military invasion of Hungary in March 1944 is to honor those who died as a result of the Nazi occupation. The real purpose is to absolve the Hungarian government and people of guilt in connection with the mass deportation of Jews to Auschwitz that began two months after the invasion.


text:
Afghanistan Tour of India 2018
India thump Afghanistan by an innings and 262 runs to win the historic one-off Test
tags: Afghanistan Ajinkya Rahane BCCI India KL Rahul Murali Vijay Rashid Khan Ravichandran Ashwin Shikhar Dhawan Umesh Yadav Virat Kohli
in Afghanistan Tour of India 2018, Cricket, Indian Cricket, Indian Cricket News, International Cricket News, Latest News
Indian cricket team during the one-off Test against Afghanistan. Image Source: twitter
XtraTime Web Desk: World No.1 Indian Test team has registered their biggest win today as they thumped minnow Afghanistan by an innings and 262 runs in just two days time to bag the historic one-off Test in Bengaluru.
Earlier India scored 474 runs in the first innings and in reply the visitors were bundled for 109 and 103 in just two day's time.
This was the first time that India won a Test match in two days while it has now happened for the 21st time in the 141-year-history of the traditional format. India, however, did become the first team to claim 20 wickets in a day.
Afghans, who have some impressive accomplishments in the shortest format lasted a total of 66.3 overs (27.5 overs and 38.4 overs), posing serious questions over their readiness to cope up with demands of five-day cricket.
The gulf in class was a reality but the Test match exposed their inability to understand the needs of the longest format. Their performance lends support to the demands for a two-tier Test format, which could get them battle-ready for future series.
With an average first-class experience of less than 15 matches, Test cricket wouldn't have been easy for Afghans but if a robust first-class structure isn't put in place, ICC's novel idea may just backfire.
The giants of world cricket were supposed to be infinitely superior but what lacked in the visitors was will to fight it out.
Batting was always going to be Afghanistan's 'Achilles heel' as the inexperienced line-up simply didn't have the technique or the temperament to face either quality pace bowling from Ishant Sharma (2//28 and 2/17) and Umesh Yadav (1/18 and 3/26) or the spin of Ravichandran Ashwin (4/27 and 1/32) and Ravindra Jadeja (2/18 and 4/17).


text:
MEC Hyderabad B.Tech 2020 application process open till September 18
Team Careers360 | Sep 15, 2020 - 7:55 p.m. IST
NEW DELHI: Mahindra University's Ecole Centrale School of Engineering (MEC), Hyderabad will open the online application process for B.Tech 2020 admissions till September 18. Students will be able to apply for admissions till September 18, 2020 at the official website mechyd.ac.in. Before filling out the application form, the students are advised to check the eligibility criteria released by the authorities.
Recommended : Get important details about Mahindra University Hyderabad. Download Brochure
The counselling process for eligible students will be held in online mode and the offers will be given as per the availability. Students will be given admissions on the basis of their secured JEE Main scores or Valid SAT Subject Test Scores or SAT Scores or ACT scores or Class 10+2 exams result (80% or equivalent grade cumulatively in Mathematics, Physics & Chemistry Subjects in 10+2 from any Statutory Board).
According to Yajulu Medury, Vice Chancellor, Mahindra University, "At Mahindra University, we follow a paradigm that focuses on Industry and academia collaboration and a unique blend of theory and practice to ensure that each student is a well-rounded scholar and an industry-ready practitioner. MEC students have been winning laurels in India and abroad and an asset to any organization that they are a part of. We invite the aspiring engineers to become a part of the revolution to create global leaders and engaged thinkers".
Around 400 seats are offered by MEC through it's B.Tech. programme. 7 academic disciplines are available - Computer Science & Engineering, Electrical & Electronics Engineering, Mechanical Engineering, Civil Engineering, Artificial Intelligence, Electronics & Computer Engineering, and Computation & Mathematics.
Also Read: Mahindra University's Ecole Centrale School of Engineering releases B.Tech 2020 eligibility criteria
Write to us at news@careers.com
Mahindra University Hyderabad
Mahindra University announces early counselling for BTech admission
Team Careers360|Apr 8, 2021
Ecole Centrale School of Engineering announces BTech admissions 2021-25; Check details
Team Careers360|Feb 15, 2021
Mahindra University invites application for B.Tech admission 2020
Team Careers360|Sep 1, 2020
Mahindra University's Ecole Centrale School of Engineering releases B.Tech 2020 eligibility criteria
Team Careers360|Aug 14, 2020
Mahindra University Ecole Centrale School of Engineering launches Ph.D. program in Engg and Applied Sciences
Team Careers360|Jun 20, 2020
Your Mahindra University Hyderabad brochure has been successfully mailed to your registered email id "".


text:
Thomas Ball (1589/90-1659) on John Preston (1587-1628) on Universal Redemption
Ball:
But after one of the Lords whispered with Mr Montague, he confessed, as for Arminius, he had never read him; and that he had writ some things negligently in that book; which he never thought would have bin so scanned among friends; and therefore promised to write another book in butter & honey, and therein more exactly for to acquit himself.
Some of the Lords proposed that, instead of this book which Mr Montague promised to write, the Synod of Dort might be received & established as the doctrine of the church of England, seeing there was nothing there determined but what our delegates approved. But Dr. White opposed this mainly; for, said he, the church of England, in her catechism, teaches to believe in God the Son, who redeemed me and all mankind, which that Synod did deny.
Dr. Preston answered, that by redemption there was only meant the freeing of mankind from that inevitable ruin the sin of Adam had involved them in, and making them savable upon conditions of another covenant. Jon 3:16, 17. So that now salvation was not impossible, as it was before the death of Christ; but might be offered unto any man, according to the tenor of that commission, Mark 16:15, 16. This could not however be applied unto the Devils, for they were left in that forbore condition whereunto their sin & disobedience put them, Heb. 2:16, and 2 Pet. 2:4. On the other hand, the jailer, Acts 16:24, 27. was a boisterous, bloody fellow, yet Paul made no doubt to tell him, verse 31. that, if he believed in the Lord Jesus, he should be saved with his house. But Dr. White would in no sort admit this, but affirmed earnestly that Christ dyed for all alike in God's intention and decree; for Cain as well as Abel; for Saul as well as David; for Judas as much as Peter; for the reprobate & damned in Hell as well as for the elect and saints in Heaven.
To which Dr. Preston answered, that there was a special salvation offered to believers, 1 Tim. 4:10. That Christ was indeed a ransom for all, 1 Tim. 2:6. yet the Savior only of his body, Ephes. 5:23. That he redeemed all, but called, justified, and glorified, whom he knew before, & had predestinated to be formable to the image of his son, Rom. 8:29, 30. That to whom in this sense Christ was given, to them were given also all things appertaining unto life and Godliness, 2 Pet. 1:3. As faith, 2 Pet. 1:1; Phil. 1:29; Ephes. 2:8. Repentance, Acts 2:18; 2 Tim. 2:25. A new heart, Ezek. 36:26. His Spirit, Gal. 4:5, 6. So that nothing can be charged on them, Rom. 8:31. 32, 33, 34. So that they can never perish nor be taken out of Christ's hand, Jon. 10:28, 29, 30. But as they are begotten again unto a lively hope, 1 Pet. 1:3, so they are kept by the power of God through faith unto salvation, verse 5. Whereas Judas was lost, Jon 17:12. and is gone to his own place. Acts 1:25.
And there are many nations and people of the world, that have no outward offer made unto them in the Gospel, Psal. 147:19, 20; Acts 16:6, 7. And those that enjoy the means of grace, have not all hearts given them to understand and believe it, Deut. 29:2, 3, 4; Isaiah 6:9, 10; Mat. 13:13, 14, 15. and therefore they are lost, 2 Cor. 4:3, 4. and are damned. 2 Thess. 2:10, 11, 12. He showed them, in Adam all men were lost, Rom. 5:12. and none recovered but by Christ; therefore, such as had not Christ's intercession could not recover; That Christ prayed but for some, Jon. 17:9. and therefore none but such only could be saved, Heb. 9:15.
Dr. White acknowledged there was a difference; for, though all had so much as by good improvement might serve their turn, yet the elect had more, for God abounded towards them, Ephes.1:8, 9; Rom. 5:15, 17, 20. Thus, by example, all the troop have horses, but the officers have better; two travelers have staves to leap over a ditch, yet the one a stronger and better than the other; the worst men had grace enough to keep corruption & the evil of their nature down, but the elect such as would doe it easily. Christ had tasted death for every man; Heb. 2. 9. he died for those who might notwithstanding perish, 1 Cor. 8:11. and bought those that yet might bring upon themselves swift damnation, 2 Pet. 2:1. because they did not husband and improve the favor offered to them.
Dr Preston answered that Christ was in himself sufficient to save all; and might be said to be provided for that end and use; as a medicine is to cure infected persons, though it cures none actually but those that drink it. "Habet in se quod omnibus prosit, sed, si non bibitur, non," as in 1 Jon. 5:11, 12. But many did not thus apply Christ, because they had him not so offered and exhibited as others had, Mat. 1:21; Luke 10:13. for God gave some faith and repentance, as I have showed. The serpent (Moses was commanded to make), was in itself sufficient to cure those that were bitten, Numb. 21:8, 9. yet cured none but only those who looked on it. "So, as Moses lifted up the Serpent in the wilderness, shall the Son of Man be lifted up, that whosoever believed in Him should not perish but have everlasting life," John 3:14, 15.
Thomas Ball, The Life of the Renowned Doctor Preston, (Oxford: Parker and Co., 1885), 130-136. [Some spelling modernized; some reformatting; and underlining mine.]
This entry was posted on Tuesday, May 4th, 2010 at 6:00 am	and is filed under For Whom did Christ Die?. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.
Comments are closed at this time.


DesignSociety has been the Agency of Record for Bluesound since the brand's inception in 2010. In fact, we even gave the brand its name. We initially led a deeply strategic exercise with chief stakeholders and identified the key attributes that were to make this new company rise above the market clutter and carve a path to success. Defining brand attributes is not initially an aesthetic experience, but instead takes all facets of brand adoption into account - covering the many magic and logic dimensions of a complex internal and external ecosystem that ultimately lead to brand authenticity, and in turn brand loyalty.
For Bluesound, their single most important goal is to bring the high fidelity listening experience into the minds, ears and homes of music lovers. By investigating the landscape, we rapidly realized that our offer was something much of the last few generations had never even truly experienced before. So we had to show them what they were missing, and create the desire to hear it.
There is a new revolution in sound. A movement toward intuition and wireless freedom. An urge to unplug, and to listen. To hear. To be inspired.
It is time to slice through the white noise. To cut the cord of over-zealous computer companies, and experience the real inspiration of your music. It is time for a new kind of audio company.
Now, out of the black comes a new vision for sound. We are Bluesound. A new alliance of audiophiles. Driven by deep passion and a long heritage in hi-fi innovation, we will revolutionize the way you hear your music, and re-inspire an entire wireless generation.
By developing a strategic platform entitled "Living HiFi", we positioned the brand values in a marketing ecosystem that established an underlying philosophy that all actions could be measured against. This platform captures the attention of modern status seekers and true music lovers by connecting the digital ecosystems that exist around them, and also goes beyond music - specifically social media citizens - and proposes an experience that matches their appetite for best-of-breed tech.
Over the course of the past 7 years, DesignSociety has been responsible for all leading brand Strategic, Creative, Design, Film, Photography, Print, Digital, Web, Advertising Campaigns and Social Media efforts. We also act as brand stewards for internal marketing initiatives.
In 2016, Bluesound introduced a new product into it's lineup : A high performance soundbar. The product launch campaign for the new, premium Hi-Res PULSE SOUNDBAR was conceived around the brand promise of delivering and experience beyond sound alone — tapping into the emotional power of film. It is made up of 60 and 15-second advertising films, print ads and an arsenal of digital ads on social media and across the web. The campaign was deployed simultaneously in North America, the UK, Europe, Scandinavia and Australia.
The Bluesound custom wordmark and "B" icon, a stylized infinity symbol with stereophonic symmetry.
A social media content platform and influencer strategy films for US, UK and Canadian markets, deployed on Facebook, Twitter, Instagram and Medium, intended to drive up brand awareness and generate engagement.
Product literature, featuring "Bluesound is the sound of..." campaign.


The Wscript Network object provides access to network resources and information. The ID for the object is Wscript.Network.
EnumNetworkDrives returns a collection of the currently connected network drives. The collection that is returned is a special WSH collection; it doesn't operate the same way as other object collections.
For each connected drive, the collection contains an item for the drive letter and another item for the connected share name. If you have three connected network drives (K:, S:, and Y:), the collection contains six elements, the first element being the K: drive, the second being the share to which K: is connected, and so on.


Lucky Luton Lady Takes the Jackpot - £202,005!
Sunday Bingo Fever - One lucky lady scoops £205,000!
Forth Time Lucky in Barrow! - £130,000 Jackpot - Happy New Year!
Beeston Bingo scoops Jackpot prize - Two NBG Jackpot wins in one week!
London Bingo Club Wins Community Prize - Nearly 600 Londoners joined together to shout house in an afternoon bingo game when they won a share of £50,000!
Winners Bingo hits the Jackpot! - Local retired man scoops £73,000!
Castle Bingo Nantgarw scoops £250,000 - Lady luck is smiling on Wales again!
Bingo! £100,000 to share! - Unexpected win for Coatbridge Mum and Bingo Buddies!


text:
NEX or Nex may refer to:

 Nex, Singapore, a shopping mall in Serangoon, Singapore
 Nex Entertainment, a Japanese video game developer
 NEX Group, a UK-based financial services firm
 NEX Stock Exchange, a defunct stock exchange from Montenegro
 Generation NEX, a Nintendo video game clone
 Narita Express (N'EX), a Japanese train service
 Navy Exchange or base exchange, the US Navy retail store chain
 Pepsi NEX, a variation of Pepsi
 Sony NEX (New E-mount eXperience), a trading name of the Sony E-mount system

People
 Christiane Nex

See also

 Nexus (disambiguation)
 Next (disambiguation)

redpajama_set_name: RedPajamaWikipedia


In my latest Accidental Entrepreneur column, I look at different options for new business owners looking to get their products on store shelves. One strategy I touched on is to hire sales representatives.
As their moniker implies, sales reps work on behalf of entrepreneurs. Their job is to sell businesses' products to retailers, who then resell those items to consumers for marked-up prices. Sales reps typically manage relationships with multiple retailers in specific industries and regions, and so they can relieve entrepreneurs of the burden of having to identify and pitch relevant retailers.


We're always keen to welcome new schools, volunteers and mentors to the Kids in Action program and it's never too early to show your interest and start planning your project for next year's program.
Interested in getting your school involved in the next Kids in Action Conference? Complete the Expression of interest to register.
Help be part of this inspiring event by taking a volunteer role. Tasks include, facilitating workshop sessions, assisting with the presentations on Environment Projects Day and generally help the day run smoothly. Complete the Expression of interest to register your interest in getting involved.
Environmental and sustainability experts are needed! Let us know your skills and we can team you up with a school that could use your expertise for their project. Complete the Expression of interest to register your interest in getting involved.


GB/T 7714 J.S. Nie,Y.G. Song,J.W. King,et al. HIRM variations in the Chinese red-clay sequence: Insights into pedogenesis in the dust source area[J]. JOURNAL OF ASIAN EARTH SCIENCES,2010,38(34):96-104.
APA J.S. Nie,Y.G. Song,J.W. King,X.M. Fang,&C. Heil.(2010).HIRM variations in the Chinese red-clay sequence: Insights into pedogenesis in the dust source area.JOURNAL OF ASIAN EARTH SCIENCES,38(34),96-104.
MLA J.S. Nie,et al."HIRM variations in the Chinese red-clay sequence: Insights into pedogenesis in the dust source area".JOURNAL OF ASIAN EARTH SCIENCES 38.34(2010):96-104.


Optical Ocean Sales offers a great selection of trays, flex arms, ball and joint arms, float arms, adapters and sets. All carry a one-year warranty. We offer both the value-priced Lightweight arms, and high-quality Kraken and premium Nauticam brands.


text:
Michael Franz Discusses Political Advertising on Television Archives
October 14, 2016 by Tom Porter
The presidential race between Hillary Clinton and Donald Trump has been described as one unlike any previous campaign.
Michael Franz
This is certainly true in the field of advertising, said Associate Professor of Government Michael Franz. Speaking in a community lecture on campus October 6, 2016, Franz said television ad spending in the current presidential cycle shows some unusual trends.
He also spoke of the types of ads that are most effective, and the influence of outside groups on ad spending. Franz has authored five books, including The Persuasive Power of Campaign Advertising and Choices and Changes: Interest Groups in the Electoral Process.
He also serves as co-director of the Wesleyan Media Project, which tracks and codes political ads in federal elections.
His lecture was titled Ad Nauseam: Political Advertising in the 2016 Presidential Election.
Listen to an interview with Michael Franz (audio may take a few seconds to load)
Edited interview transcript
Why did you title your lecture "Ad Nauseam"?
Oftentimes people express dissatisfaction with the amount of campaign ads we're seeing, and we see tens and tens of thousands of campaign ads in the most competitive states across the country. So in some sense people feel that this is "ad nauseam."
Give us a sense of how much these television ads have increased in the last few years, particularly since the Citizens United Supreme Court decision in 2010?
We have seen in the presidential race two or three times as many ads airing on TV as there were fifteen or sixteen years ago. But of more importance to me is that the amount of money and ads from outside organizations—the non-candidates, the non-party committees—has increased leaps and bounds in the last ten or twenty years, and that's because of the Citizens United case which essentially stripped away all the rules.
What about the effectiveness of the ads? How do you measure that and how effective are they?
Ads are effective. They can bring about some change in the vote but the effect sizes are not very large and they don't last very long. If you stop advertising two or three weeks before the election, there would be no effect on election day, because people forget these ads. So you need to out-advertise your opponent, but even if you do, you might only get one or two percentage points more than if you didn't.
It seems like a zero-sum game, where you have to advertise just to stay level.
Absolutely, it's really about neutralizing the effect from the other side, and so it's an arms race of advertising, and so you do spend all that money just to make sure the other side doesn't get those one or two percentage points, which matters a lot in a close race.
Are there any data about which types of adverts are more effective?
This is something we keep struggling with. One way to think of it is "let's just look at who airs more ads, they should do better than those who don't." That tends to be true, but then different ads can be more or less effective. You can get more bang for your buck with a really good ad compared to a bad one, and that we know less about. We know for example that negative ads are modestly maybe more effective than positive ads, and we know that ads based on policy issues are probably a little more effective than ads about the characteristics of a candidate, but it's tough to know.
Do you correlate this by comparing polling results with increases in ad spending?
Right, so we compare in two ways: one, we look at ad buys versus election results after the election; another way would be to compare polling changes with ad trends, so you could look within an election to see if changes in ad buys correlate with changes in polls. We do all of those things.
It was interesting that you mentioned how people tend to be more influenced by ads from outside groups than ads from the candidates themselves.
Yes that's what the research is showing. One reason is that it seems as if people want to punish candidates for when they go on the attack. If they attack an opponent, voters say they don't like negative ads, so what they might do is like the opponent less, but they also like you less for going negative. But an outside group, if they run a negative ad, will induce voters to like the attacked candidate less, but they don't know how to like the sponsor less, because the sponsor's not a candidate, and so their anger at the attack dissipates and what's left is just the effect on the opponent. So on balance you might get stronger effects from groups than from candidates.
Looking at the current presidential election cycle, the way that the Donald Trump campaign has produced very little in the way of direct TV ads has kind of ripped up the rule book hasn't it?
That's right, there have been few ads from the Trump campaign at the top of the ticket, and there have been few superPAC or supportive group ads in support of Trump. But there's plenty of money, and so that money is pushed down-ballot, to Senate races and House races, particularly to Senate races. The Senate is the key prize if you think about the Supreme Court vacancy, and so a lot of money—more than we've ever seen—is going into those competitive Senate races, because they will determine the balance of power.
So the GOP is distancing itself from Trump because of some of the negative comments he's made, which means more money available for other races right?
Yes. If you look at the Republican Party itself, the RNC, the traditional party organization, has spent no money on behalf of Trump, zero dollars, whereas what they did for Mitt Romney and John McCain in the last two cycles was huge. They were very supportive of those candidates and that meant less money for congressional races. Now, all the Republican money can go to congressional races, which is exactly what's happening.
You're just focusing on TV ads, and many young people don't watch TV any more, they prefer streaming content. How are you going to factor that in?
We don't have the data on that, and it will change over time. But it turns out that younger people vote at lower rates than older people and older people watch more television, so traditional TV still matters in that way. But, as the electorate gets older, and as millennials move into middle age in the next fifteen or twenty years, they're going to be consuming media like they always have, online and streaming, and all the ads are going to go there. And so you will see a tipping point in some future election cycle, where TV ads, as we've often seen them, will start to look very different.
Academic Life | Government and Legal Studies Department
With Sugar and Algorithms, C.S. Students Make Fantabulous Cookies
2018 Family Weekend: Symposium to Celebrate Student Research and Creativity
← Renowned German Author Bernhard Schlink Visits Bowdoin From Audio to Visual: Music Lecturer Showcases Computer-Generated Art →


If it has wheels, turns left, (or even right) and the goal is to maximize performance we can help. Our experience with sheet metal work, chassis construction/repair and finish fab makes us your go to in the racing world.
Contact us to see how our years of experience can help you take home that trophy.


text:
CRTC awards licence for new Calgary FM station
May 25, 2012 | Canadian Press
The Jim Pattison Broadcast Group says it has been awarded a licence from the Canadian Radio-television and Telecommunications Commission for an FM station in Calgary.
It said the station The PEAK will broadcast at 95.3 FM and will be "a music-intensive adult album alternative format" targeting female listeners from ages 25 to 49.
Rick Arnish, president of the Jim Pattison Broadcast Group, said a date for the launch of the station is not yet set.
The company also said it has committed $8.75 million over seven years to the promotion and development of Canadian content as part of the application for the licence.
It includes $4.9 million for the Alberta PEAK Performance Project supported by the Alberta Music Industry Association.
"We're pleased to be able to launch this new CCD initiative that will be similar to the very successful PEAK Performance Project (PPP) in Vancouver," Arnish said in a news release.
Posted by Said Henry at Saturday, May 26, 2012


Happy Fourth of July! Yes, it's American Independence Day and so in honour of our cousins over the pond, here is my recipe for a baked American-style cheesecake.
I adore baked cheesecakes – the way the top is all cakey, soft and crumbly while the inside is sumptuously creamy and quite decadent. Matched with the crunchy biscuit base and sweet fruit on the side, what more could you ask for in a pud?
Lightly grease a 20cm loose-bottomed cake tin and line with greaseproof paper.
Put the crushed biscuits, butter and Demerara sugar into a bowl and mix well. Spread over the base of the tin and press down well. Place in the fridge for half an hour to set.
Into a large bowl measure the butter, caster sugar, cream cheese, corn flour, salt, lemon zest, vanilla extract and egg yolks and beat with a wooden spoon until smooth. Then fold in the lightly whipped cream.
Whisk the egg whites until stiff and then carefully fold into the cheesy mixture using a large metal spoon.
Pour the cheese mixture onto the chilled biscuit base.
Bake in the oven for about an hour until set. Turn off the oven and leave the cheesecake in there for another hour to cool.
If like me you have an Aga, then bake in the roasting oven on the shelf on the floor with the cold plain shelf on the second set of runners. Bake for 20 minutes until the top is pale golden. Transfer the cold plain shelf to the middle of the simmering oven and place the cheesecake on this. Bake for another 20-30 minutes. Thanks to Mary Berry for the Aga baking advice!
Remove the cheesecake from the oven and cool in the tin. Carefully run a knife around the edge, lift out from the tin and remove the greaseproof paper.
Serve with your favourite berries – I went for strawberries – I am eating it in Britain after all!
Looks delicious! I love baked cheesecake.
Thanks so much Nickki – they're the best aren't they?
I haven't made one in such a long time. I'll have to sort that very soon!
This looks amazing – definitely going to give it a try (will ignore the diet for the day!) – Yum !!
Oo, lovely! I love baked cheesecake and make a mincemeat version at Christmas. Saying that though, I just love cheesecake, it definitely comes in my top 5 puddings!


Nonviolent communication is very useful in understanding our scarcity beliefs in relation to money; money is only a strategy to meet other needs. Perhaps you have noticed scarcity (there isn't enough or there is lack) beliefs you hold around money? Do you panic when you see bills or do you worry that you 'should' be saving more or spending less? Does a complaint from a colleague at work scare you into worrying about your job security?
Our world offers abundant resources for meeting needs: When human beings are committed to valuing everyone's needs and have regained their skills for fostering connection and their creativity about sharing resources, we can overcome our current crisis of imagination and find ways to attend to everyone's basic needs.
Around scarcity, I have a powerful example to share from childhood. I was a young girl- maybe 8 or 9 and we were visiting Bihar, one of the poorest states in India, back in the '80's. We drove this rattly old jeep into a village and visited the parents of our two nannies. We had to creep into their hut; they had little food to offer us. Yet, they scrambled around and gave us 2 boiled eggs to eat. They were excited to share and looked so pleased as we ate. Looking back, I realise now that they had such an abundant mindset. There are many wealthy people who would be afraid to share if food was hard to come by but they were generous.
Scarcity is a fear driven mindset and stems from our belief that we are separate from others. This makes us want to compete from a fearful, contracted place. From countless conversations with many people around money, (thanks to my profession as a financial adviser), I am certain that it has little correlation to the money or actual resources we have. A great example of the abundant or sufficiency mindset would be Mother Theresa or Sir Stephen Hawking who created/create much in the world but we would view them from a 'normal' lens as not having access to resources.
Recently, I met Satish Kumar, a former monk and long-term peace and environment activist, at an Awakin gathering in London. Inspired in his early 20's by British peace activist Bertrand Russell, Satish embarked on an 8,000-mile peace pilgrimage through deserts, mountains, storms and snow. Carrying no money (I repeat, no money at all) and depending on the kindness and hospitality of strangers, they walked from India to America, via Moscow, London and Paris, to deliver a humble packet of 'peace tea' to the then leaders of the world's four nuclear powers. Mr. Kumar explained that he had learned to be fearless and to have trust and faith in the kindness of strangers; there were days, he said, with a twinkle in his eye, he slept under a "million star" hotel, (the sky) however he clearly thrived from this life changing experience. It was inspiring for everyone present to hear about his journey with no money, his highly optimistic outlook on life and his huge faith in the goodness of human kind.
Again, although he had no money (a strategy to help meet his needs), he was creative enough to find other ways to meet his needs which I imagine were for contribution, physical well-being and support. Again, once we connect to our needs, we have greater clarity to get these met by making requests or via strategies such as asking strangers to house and feed us, if need be.
A few years ago, I discovered I had many 'shoulds' in relation to money and my work ethic. Some were that I 'should' work all the hours possible and I 'should always' excel at everything. I realised how unhappy I was working more hours than I really wanted to; my identity seemed to be so connected to my success at work and when work fulfillment eventually started to feel empty and words of praise started to feel hollow, I decided to think of how I could change this.
Digging deeper, I connected with my need to contribute, to really believe in what I offered and to enjoy autonomy and freedom with my work, realising that a job in a global bank with closely monitored activity and output was not for me. I decided to work for myself and explore ways of doing that; eventually I realised that I could actually work with the skills I had as a financial adviser for myself;it was one of the best decisions I ever made! I now have a conscious work ethic; I still ocassionally work long hours but I am in full choice when I do. I am much happier with the balance between work and life and I get to have choice about the clients I work with. I want to keep remaining conscious of the choice I have -to move towards what I want ( freedom, work with integrity, to contribute and autonomy) and what is important to me rather than operating from my old, static beliefs or acting out of guilt, obligation or people pleasing behaviour.
Read my earlier posts about exploring a conscious relationship with money and Nonviolent communication and money here.


text:
St. Mary's Men's Basketball Drops Back and Forth Conference Contest at York
York (Pa.)
St. Mary's (Md.) (6-9, 0-4 CAC) 39 39 78
York (Pa.) (10-5, 3-1 CAC) 37 46 83
Pts: Spencer Schultz - 17
Reb: Spencer Schultz - 9
Ast: Reggie Rouse - 4
Pts: Joey Polczynski - 24
Reb: Jared Wagner - 12
Ast: Jared Wagner - 8
YORK, Pa. - The St. Mary's College of Maryland men's basketball team (6-9, 0-4 CAC) dropped a back and forth CAC contest at York (Pa.) (10-5, 3-1 CAC). The Seahawks fell to the Spartans 83-76.
St. Mary's - 76 , York - 83
The first half of the contest was action packed and extremely competitive as the Seahawks and Spartans played to 11 different lead changes. St. Mary's jumped out to a 13-8 lead off of five consecutive points. Phil Newsome sunk a layup and Naheed John drained a three to break the 8-8 tie.
Later in the half, St. Mary's and York played to a 24-24 tie with 6:13 remaining in the first stanza. Shortly after, the Seahawks strung together six consecutive points to pull ahead of the Spartans 30-24. Daquan Staley tallied four points during the run and Newsome recorded two. St. Mary's held their lead and took a slim 39-37 advantage into halftime.
Much like the first, the second half was back and forth with several lead changes. St. Mary's started strong with a 5-0 run to gain a 44-37 lead. Reggie Rouse began the scoring with a long range three-pointer and Staley followed with a layup.
York answered later in the second half with a 15-5 run with 13:18 remaining for a 55-48 lead. The Seahawks continued to play tough and eventually regained a 69-67 lead off a Matt Ayoub layup at the 4:09 mark. Once again, York responded with back-to-back three-pointers from Joey Polczynski and Jared Wagner for a 73-69 lead over the Seahawks.
The Spartans kept their lead and made their free throws down the stretch for the victory.
Spencer Shultz led the Seahawks with 17 points, nine rebounds, two steals and one assist.
Rouse had his best game of the season, knocking down 16 points and dishing out four assists.
York had three players reach double-digits in scoring including Polczynski (24 points), Wagner (23 points), and Darin Gordon (14 points).
Jan. 16 vs. Mary Washington (11-4, 3-1 CAC) – MPOBARC Arena – Capital Athletic Conference contest – 8:00 p.m.


text:
Paterson & O'Connor Sign for Burton
Brewers bring in striker and right back
Burton Albion manager Gary Rowett has completed a double signing to add to his squad ahead of this weekend's Football League kick off. Rowett has signed 22 year old Scottish striker Matt Paterson on a six month deal and 19 year old Blackburn Rovers right back Anthony O'Connor on an initial one month loan. Both deals are subject to the confirmation of official paperwork.
Both players have featured for Burton during pre-season, with O'Connor playing in the opening pre-season friendly against Aston Villa and Paterson featuring against Ilkeston Town and Leeds United.
Paterson began his career at Southampton where he made 45 appearances before moving to Southend United in 2010. During his time at Southend Paterson has also spent time on loan at Stockport County, Hamilton Academical and Forest Green Rovers.
Republic of Ireland Under 19 international O'Connor can play centre back or right back and has trained with the Blackburn Rovers first team this summer after progressing through the academy system at Ewood Park.
Speaking shortly after signing his six month deal Paterson said, 'I had a difficult time at Southend United but that's behind me. I'm getting myself positive and thinking in the right ways and I want to show people what I can do. I'm looking forward and raring to go. The most important thing is to get back out playing.
'I'm here to work hard, I'm looking forward to the challenge, we've got a great bunch of lads here. The manager is spot on. My pre-season hasn't been spot on but I've looked after myself and I feel great.
O'Connor said, 'I've just been eager to get out and play first team football. I came to Burton a few weeks ago and played against Aston Villa and after getting a taste of it I wanted to get out and play. It will be my league debut but I'm confident in my ability and I know what I can do.
'I can play in a few positions, I can play anywhere across the back. No matter where the gaffer wants me to play I'll play for him and I'm looking forward to getting stuck in. I'm here for a month so who knows what could happen.'


The James Ward Seabrook Collection contains materials such as personal correspondence of James Ward Seabrook (1920 - 1960); It also contains legal papers of James W. Seabrook such as: Diaries, Minutes of FSTC Board of Trustees, Proceedings and History of Fayetteville State University (1880 - 1955); Speeches (1940 – 1966); Class Rosters (1905 – 1913) and Awards/ Certificates/Honors. There are also, pictures of family, faculty, staff and students (1923 - 1973); and newspaper and magazine clippings (1932 - 1970).
Young, Nicholle R., "Guide to the James Ward Seabrook Collection" (1973). Finding Aids. 2.


setup() is called once from within linux/init/main.c. It calls initialization functions for devices and file systems configured into the kernel and then mounts the root file system.
No user process may call setup(). Any user process, even a process with superuser permission, will receive EPERM.
setup() always returns -1 for a user process.
Since Linux 2.1.121, no such function exists anymore.
This function is Linux-specific, and should not be used in programs intended to be portable, or indeed in any programs at all.
The calling sequence varied: at some times setup () has had a single argument void *BIOS and at other times a single argument int magic.


text:
Watch: Tijuana Panthers Drop Music Video For "Gated Patio"
Long Beach garage pop/surf punk band Tijuana Panthers have dropped the video for "Gated Patio".
The song is part of our current playlist and is taken from their fourth studio album 'Poster', which came out in August last year via Innovative Leisure. Buy your copy here.
The video was directed by Daniel Michicoff. Check out below.
(facebook.com/tjpanthers)
Tags: Tijuana Panthers
Publicado por KOOL ROCK RADIO en Wednesday, July 06, 2016 No comments:
Etiquetas: Daniel Michicoff, garage pop, Gated Patio, new video, Poster, Set Forth, surf punk, Tijuana Panthers
New Entry: Syd Arthur Release New Single "Sun Rays"
British psych rockers Syd Arthur have released their new single "Sun Rays".
The band features Kate Bush's nephew, Raven Bush (violin, keyboards, mandolin), along with brothers Liam Magill (lead vocals, guitar), Joel Magill (bass, vocals), and Josh Magill (drums).
The song is out now and is taken from their forthcoming new album 'Apricity', set to be released on on October 21 via Harvest Records.
(facebook.com/sydarthur)
Etiquetas: Apricity, Harvest Records, Indie Rock, New Entry, new single, psych rock, Sun Rays, Syd Arthur
Twist Announce Debut LP 'Spectral', Air New Single "Can't Wait"
Toronto noise pop/punk band Twist (the project coalesced around songwriter Laura Hermiston and Holy Fuck's Brian Borchedt) have announced they will release their debut full-length titled 'Spectral' on August 26 via Buzz Records.
The band have also aired their excellent new single "Can't Wait".
About the track, Hermiston told SPIN: "I wrote the song after we played some shows in NYC in 2015. My bandmate from my old band played bass with us for those shows right before she moved to Montreal to start playing bass for TOPS. I was happy for her and my other bandmates who were also embarking on new adventures, but it made me feel like I was losing my best friends and I felt stagnant in my own life by comparison."
Pre-order the album here, check out the tracklist and have a listen to "Can't Wait" below.
Spectral Tracklist:
01. Pavement
02. Can't Wait
03. Calendar Girls
04. Bleached
05. Soaked
06. Keep You Under
07. Slums and Seaports
08. Albuquerque
09. Sin Monster
10. Too Much Trouble
11. Where To Lie
(facebook.com/twistmusic)
Etiquetas: Brian Borchedt, Can't Wait, debut album, indie pop, Laura Hermiston, New Entry, new single, Noise Pop, Punk, Soaked, spectral, Twist
Watch: Two Door Cinema Club Share "Are We Ready? (Wreck)" New Video
Irish indie band Two Door Cinema Club have shared the video for their newest single "Are We Ready? (Wreck)".
The song is taken from their upcoming third studio album 'Gameshow', which will be out on October 14th via Glassnote. Pre-order it here.
About the video, band memeber Alex Trimble said: "While I was writing this single I discovered this term weltschmertz, the German word for being at odds with the world around you. The fact that it was a fully coined term and related to so many people that have existed and do exist made me feel it was okay to not exist on the same level as everyone else, it was okay to be comfortable doing your own thing. 'Are We Ready? (Wreck)' was me... not attacking the world around me but outlining why I don't really get it and why I don't fit in with it."
(facebook.com/twodoorcinemaclub)
Tags: Two Door Cinema Club
Etiquetas: Are We Ready? (Wreck), Gameshow, indie pop, new video, Two Door Cinema Club
Pixies Announce New Album 'Head Carrier', Drop New Single "Um Chagga Lagga"
Boston alt rockers Pixies have announced the release of their new album 'Head Carrier'.
The follow-up to 2014's Indie Cindy, will be out on 30th September via Pixiesmusic/Play It Again Sam. Pre-order your copy here.
The band spent six weeks writing, arranging and rehearsing the album's tracks before settling into London's Rak Studios in February to record the Tom Dalgety-produced album.
Check out the album's tracklist and listen to lead single "Um Chagga Lagga", below.
Head Carrier tracklist:
01. Head Carrier
02. Classic Masher
03. Baal's Back
04. Might As Well Be Gone
05. Oona
07. Tenement Song
08. Bel Esprit
09. All I Think About Now
10. Um Chagga Lagga
11. Plaster Of Paris
12. All The Saints
(facebook.com/pixiesofficial)
Tags: Pixies
Etiquetas: Alt Rock, Head Carrier, new album, new single, Pixies, Um Chagga Lagga
New Entry: Vox Low Premiere New Single "Some Words Of Faith "
French post-punk/old wave/psych duo Vox Low have premiered their infectious new single "Some Words Of Faith".
The song features on their new EP 'The Hunt', which will be released this Friday (July 8th) via Correspondant.
(facebook.com/VoxLowBand)
Etiquetas: Cold Wave, New Entry, new single, Post Punk, Psych, Some Words Of Faith, The Hunt, Vox Low
Watch: James Reveal Music Video For "Dear John"
Manchester legends James have revealed the video for their latest single "Dear John".
The song is taken from their new album 'Girl At The End Of The World', which came out in March through BMG Recordings. Buy it here.
(facebook.com/jamesisnotaperson)
Tags: James
Etiquetas: Alternative, Dear John, Girl At The End Of The World, James, Kris Merc, new video
Watch: Courtney Barnett Reveals Music Video For "Elevator Operator"
Melbourne based singer/songwriter and guitarist, Courtney Barnett has revelaed the video for her current single "Elevator Operator".
The song is taken from her debut album 'Sometimes I Sit And Think, And Sometimes I Just Sit', released in March 2015 trough Mom + Pop Records. Buy it here.
The video was directed by Sunny Leunig. Watch it below.
(facebook.com/courtneybarnettmusic)
Etiquetas: Courtney Barnett, Elevator Operator, Indie Rock, Mom & Pop Records, new video, Sometimes I Sit And Think, Sunny Leunig


text:
haart says it DOES arrange tenancies for those claiming housing benefit
August 23, 2018 August 22, 2018 | Rosalind Renshaw
Software firm Reapit joins forces with new sales progression venture to try and cut down fall-throughs
The agency chain named as having the most branches banning benefits tenants has said that this is not company policy – while landlords said that there has been a huge rise in the number of benefits tenants going into arrears, blaming not agents but the system itself.
Yesterday, EYE reported on research by lobbying organisation Shelter and social landlords trade body the National Housing Federation.
The research used mystery shoppers posing as tenants on benefits who rang 149 branches of well-known agents – Bridgfords, Dexters, Fox & Sons, Your Move, Hunters and haart.
It named haart as the worst offender, saying there was a ban on housing benefit tenants in eight out of 25 haart branches.
However a spokesperson for haart said: "It is not our policy to refuse housing benefit tenants – anyone who passes referencing checks is able to rent properties listed with our branches.
"We do regularly arrange tenancies for those claiming housing benefits and currently have 112 tenancies where this is the case.
"This research has brought to light that some of our branches are misinformed and we are working to ensure that this policy is being followed across our network.
"We are sorry for any occasion where this has not been the case."
The issue of discrimination against tenants on benefit was aired on C4 News yesterday evening and also on BBC's Victoria Derbyshire Show, where tenant Stephen Tyler, a wheelchair user, said he had had to sleep in his car.
He said: "We have been trying to find accommodation since we were evicted from our last property when we asked for adaptations to be made for wheelchair access.
"I phone anything up to 20 landlords, estate agents, a day and none of them will accept DSS."
He said he had also approached his council as well as housing associations, but "no one wants to help at all".
Yesterday Isobel Thomson, CEO of the National Approved Letting Scheme, said: "The majority of lettings and management agents are professionals who are skilled at managing housing benefit and universal credit tenancies, dealing with applicants on a case by case basis.
"Many agents help prospective and existing tenants obtain access to the benefits they are entitled to.
"An assumption that there is widespread discrimination, particularly of women and disabled people on benefits, is emotive conjecture and fails to paint an accurate picture of the sector.
"In some areas tenants on benefits form agents' client base.
"Vilification of letting agents and landlords will not resolve housing problems where the provision of sufficient social housing is at the heart of the matter.
"The complexity of the benefits system and delays in payment add to the difficulties.
"Shouldn't we be working together to come up with solutions which could solve the ills of the sector to ensure that no vulnerable tenants are left behind, rather than castigating one section of it?"
Meanwhile the Residential Landlords Association said six out of ten landlords are experiencing tenants on benefits going into arrears.
David Smith, RLA policy director, said: "The benefits system makes it inherently challenging for claimants to pay their rent in full and on time as it pays in arrears, compared to rents which are paid in advance.
"Our most recent member survey shows a huge increase in the number of landlords experiencing tenants on Universal Credit going into arrears, rising from 27% in 2016 to 61% now.
"At a time of huge demand for private rented housing, it is not surprising that landlords would rather choose a tenant who can pay the rent when it is due.
"Another factor is that almost a quarter of landlords responding to our survey said they had mortgage conditions blocking them from letting to tenants on benefits.
"The Government should ensure that the benefits system does not place claimants in a worse position than others looking to rent a home."
Email the story to a friend
More top news stories
Strike to reassess business model as it plans substantial job cuts
Six agents expelled from the Property Ombudsman Scheme
Estate agency delivers on 'growth strategy' by acquiring rival firm
Robert May
4 weekly benefits paid 6 weeks in arrears with monthly top up simply does not fit with computer based client cash accounting systems that calculate rent monthly or even 4 weekly.
The benefits system creates an apparent compounding of arrears where the 0.333333333333. difference between 13 x 4 weeks and 52/12 makes it look like tenants are keeping hold of rent. Throw into the mix some months have 30 days, some have 31 and one has 28 but ocassionally 29 and confusion wins!
I tried to explain this to a government minister and to Clive Betts MP in 2012 (chair of the inquiry into PRS) the maths of the system was beyond them both.
You must be logged in to like or dislike this comments.
Mark Connelly
Yes Robert I suspect you would had to deliver it in "Janet & John book 2 mode" for them to grasp it.
"This system doesn't allow rent to be paid on time and will result in claimants not being able to rent properties" Probably just about qualifies as something they could understand.
I have posted the arrears profile for 3 accounting schedules on twitter, just checking a single tenant's statement who had paid the 25 payments (?!) for the year correctly and on time over the 54 weeks (?!!!) of a 1 year for 12 rent calculations is a mind challenge most coders I know would struggle with. Multiply that lot by 2 for a double entry system and add a means of auditing and reconciling it all and I can already hear people being busy on other stuff
The reason the system won't get changed is very few people will admit or understand that the double entry ledger system from 30 years ago works in ledger books but doesn't work on a computer.
DarrelKwong43
That is the one of the minor reasons why universal credit was brought in, so a tenant could pay monthly. if the tenant pays rent in advance at the very start (which many councils will provide to the tenant to reduce homelessness), then in theory a tenant on UC, should behave like a normal tenant in terms of rent payment.
but Labour have demonised universal credit. The Trofaen trial was poorly chosen and executed so the major benefit of universal credit has never been seen. I consider removing the unwarranted stigma of being a benefits tenant to be the single biggest benefit of UC. Under UC who knows or needs to know where the cash in your bank has come from?
That is probably the biggest misunderstanding from UC, because the agent/landlord will surely ask, where the money is coming from.
UC has creditable aims IMHO, and will make it easier accountancy wise for HB tenant (if they actually pay it)
Where is the difference between a benefits assisted tenant who gets their money once a month from the government ( not enough to live on) and a pensioner who gets their money once a month from the government (not enough to live on)
Old tenants are fine, younger tenants are not? Doesn't make sense.
the whole workable process of administering universal credit rent payments has been discussed and then ignored for political reasons.
The worrying irony in this story? Front line agency staff who currently turn away benefits tenants could quite easily become a tenant who no longer has a wage, having been made redundant.
I've had 3 redundancies and that makes one mindful that people do not become financially irresponsible because they don't have a job.
CountryLass
Isnt it because the pension amount wont change, but the UC/benefits can change or be suspended at the drop of a hat?
And having had my partner lose his job last year, I actually became more financially responsible I found!
If the pair of you walked into an agency the week after he lost his job it will be assumed he is a (insert DSS stereotype) who can't be trusted to hand over the benefits money when it comes through in 6 weeks time.
Exactly. They would ignore all the evidence of the fact we have always been in employment, sometimes part time for me, but both always been earning. I wasn't arguing, I was agreeing with you that once you have been in that situation, you prioritise bills, tighten belts and account for every penny.
Property Poke In The Eye
People claiming benefits never pass the referencing procedure and in 99.99% of cases they will not have anyone to guarantee.
Building insurance also increases by about 25% with HB tenants.
Why don't the directors at Shelter lobby the government, for councils to guarantee HB rental.
Rayb92
Just get home owner working guarantors .. works well creates the necessary leverage when needed !
talking sense RB
Because not everyone has the required income to be a guarantor? I'm not entirely sure my parents would have enough. My dad receives a pension and works part time, and my mum is a Natural England volunteer and helps me out by looking after my daughter 2 days a week. They own their own home and have a comfortable lifestyle after years of hard work, but I don't think they fit in to the 'guarantor box'.
In theory you're right, but the real world doesn't like 'sensible' or 'logical' or even 'common sense'
TBH, I am not overly worried about income, its the asset which is the important requirement for a guarantor
Unless landlords want RGI, in which case Guarantor's income has to come into the equation and in our case has to equate to 36 x monthly rent
Eastsidestory90
The council actively and consistently advise all tenants that they can't find them emergency accommodation until they've been evicted.
Meaning trouble down the track for a landlord.
The govt and local council need to take a look at theyre procedures as this is also a big part of the problem.
JMK
You are of course completely on the mark there. One upside though is that once the tenant gets the CCJ they won't pass a credit check. In this way the councils are shooting themselves in the foot.
In my experience, most landlords that have gone through teh stress and expense of courts and eviction do not have the energy or desire to spend more money on CCJ. In many cases the tenant has gone and no address is known which means more cost to teh landlord to trace before service?
Exactly. I had a Landlord who served S21 and S8 due to massive rent arrears going on for over 6 months, and even had a new Tenant lined up for a week or so after the S21 finished (against my advice), but the Council told the Tenant not to leave as they couldnt re-house her and her daughter if they left, so the poor new Tenant was left homeless! They had to sofa surf for 2 weeks until I managed to whinge at the Council enough for her to be upgraded to get a house!
I have only one housing benefit tenant. I also only have one tenant in arrears. Guess what…..
pat123-
I worked for haart for almost two years and we were encouraged to say no to any DSS tenants, this was often the case with the many other branches i spoke with as well.
agreed, not many reasons, why an landlord would consider a fully referenced working tenant, over a HB application, hence the reasons many councils offer an incentive to a landlord to take one. I know some london councils who have pay thousands as an incentive.
Thousands of tax payer's money Darrel which councils would be far better spending on housing rather than subsidies.
Or put back in to the system to improve and overhaul it!
or better sandwiches on a training day 🙂
SJEA
We have a number of tenants with DSS supported by home-owner guarantors.
Those that do not have the support of their family acting as guarantors appear to have a different attitude to when they should pay rent, not when the date in the contract states, but when they get their benefits.
Tenants, Shelter and Government do not understand that the rental contract is a contract between tenant and landlord and Landlords should not have to wait weeks, sometimes months for the payments to be made. Landlords have financial commitments also !
Secondly, if the eviction process for non-payment could be accelerated, then more Landlords would take higher risks knowing that they can get their properties back sooner if the tenants default for non-payment.
Finally, I have also, in over 25 years, never had a Landlord ask my firm to evict a good tenant who pays their rent on time, regardless of the claims by Shelter.
Exactly! Maybe a Landlord should tell the Council "sorry, I can't pay my Council tax on 1st of the month as my Tenant doesnt recieve their benefits until 15th, so then I've got to wait for it to clear, so I'm just going to pay it on 24th of each month. Unless my Tenant doesnt get their rent to me on time in which case you'll get it when I feel like it." and see how that goes over…
Property Paddy
just for clarity sake, when haaarts say
""We do regularly arrange tenancies for those claiming housing benefits and currently have 112 tenancies where this is the case"
do they mean trading as haarts or Darlows ? I only ask cos I know their Newport office, south wales is in an area close to one of the less well off parts of the UK.
You must be logged in to report this comment!
Daily news email from EYE
Enter your email below to receive the latest news each morning direct to your inbox.
Thank you for signing up to our newsletter, we have sent you an email asking you to confirm your subscription. Additionally if you would like to create a free EYE account which allows you to comment on news stories and manage your email subscriptions please enter a password below.