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Tennessee in DC: Corker says intelligence predicts decades-long battle with ISIS
WASHINGTON - The reports delivered to U.S. Sen. Bob Corker and other lawmakers last week were blunt in their assessment of the fight against ISIS and terrorism.
Tennessee in DC: Corker says intelligence predicts decades-long battle with ISIS WASHINGTON - The reports delivered to U.S. Sen. Bob Corker and other lawmakers last week were blunt in their assessment of the fight against ISIS and terrorism. Check out this story on commercialappeal.com: https://www.commercialappeal.com/story/news/government/2016/04/17/tennessee-in-dc-corker-says-intelligence-predicts-decadeslong-battle-with-isis/90504410/
The Commercial Appeal Published 7:00 a.m. CT April 17, 2016
FILE - In this April 14, 2015 file photo, Senate Foreign Relations Committee Chairman Sen. Bob Corker, R-Tenn. speaks on Capitol Hill in Washington. (AP Photo/Andrew Harnik, File)(Photo: Andrew Harnik)
WASHINGTON — The reports delivered to U.S. Sen. Bob Corker and other lawmakers last week were blunt in their assessment of the fight against ISIS and terrorism.
The ideology of ISIS echoes Nazism in its genocidal ambitions and tone, one counterterrorism expert warned. Last month's bombings in Brussels leave no doubt that the threat ISIS poses to the West is far greater than anticipated, concluded another.
The potential for an ISIS-directed attack in the United States is real and could be similar to the massacres that killed dozens in Brussels and Paris, predicted yet another.
Corker, the Tennessee Republican who chairs the Senate Foreign Relations Committee, said the warnings underscore what U.S. officials have long known would be a prolonged battle against ISIS and terrorism.
"This is not something that's going to be short term," he said. "The root cause of what is happening in the Middle East is going to take decades to overcome."
Corker called the experts before his committee last week to get an update on how the United States and its international partners can best confront ISIS and the threat of transnational terrorism.
Afterward, he said their testimony made clear that a lot of challenges lie ahead — and the challenges exist on multiple fronts.
One on front, ISIS has developed an unprecedented ability to communicate with its followers across the world. New technology allows ISIS to use encrypted platforms for communications, making it more difficult for intelligence agencies to monitor those activities on the same level as before.
Intelligence gathering and sharing are crucial to stopping ISIS, Corker said. But that has proven problematic, particularly in Europe, where many countries are reluctant to share secrets with their neighbors and where privacy concerns often trump security matters, he said.
"For a period of time, in our own country, the pendulum was swinging in the wrong direction relative to this issue," Corker said. "Hopefully, with what we've seen happening in other places and what has happened in our own country, our own citizenry understands the importance of us interdicting and doing the things that are necessary on the intelligence front."
In the United States, the principal threat continues to be from home-grown, ISIS-inspired actors like Mohammad Abdulazeez, who opened fire last summer on a military recruiting station and a Navy and Marine Corps operational support center in Chattanooga, said Matthew Olsen, former director of the National Counterterrorism Center in McLean, Virginia, just outside of Washington.
Five servicemen were killed in the attacks.
The FBI reported last year that homegrown, violent extremist cases totaled almost 900, had been reported in every state, and that most of them were connected to ISIS.
On another front, more than 250 Americans have traveled to Syria and Iraq — or have at least tried — to join ISIS fighters, Olsen told the committee.
"The fact that so many Americans have traveled to Syria and Iraq to fight, along with thousands more from visa waiver countries in Europe, raises the real concern that these individuals could be deployed here to conduct attacks similar to the attacks in Paris and Brussels," he said.
While intelligence gathering remains the best way to fight terrorism, Corker said, Americans in Chattanooga or New York or Washington or other U.S. cities also can play a role, just like the Brussels taxi driver hailed as a hero for leading police to the apartment of the three airport bombers.
The driver told police he had grown suspicious of the three men because they were overly protective of their bags when he took them to the airport.
Americans, too, should be on the lookout for unusual behavior or anything suspicious, Corker said.
"We've all got to be aware of our surroundings, aware of the people we come into contact with, and know that the threat is real," he said. "We've got to continue living life as we know it. We've just got to do so with greater awareness of our surroundings."
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Bhubaneswar: In a blow to the Bharatiya Janata Party (BJP), the party's MLA candidate Tusharkanti Behera fielded from Kakatpur for upcoming polls quit the saffron party and joined the ruling Biju Janata Dal (BJD).
He joined the BJD at Naveen Niwas in presence of Chief Minister Naveen Patnaik. The BJD supremo said, "I welcome him to the party. His joining will further strengthen the BJD."
Emphasizing that every election was important, Naveen sounded confident that the party will do very well.
While Kakatpur is going to polls in the fourth phase on April 29, Behera had earlier contested Assembly polls in 2014 with a BJP ticket and had lost to BJD's Surendra Sethi. It is also notable to mention here that BJP candidate Bhagrathi Sethi of Anandapur had also jumped ship and joined BJD last week.


* Please refer to Financial and IR information for details on financial information.
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The yield to maturity (YTM), book yield or redemption yield of a bond or other fixed-interest security, such as gilts, is an estimate of the total rate of return anticipated to be earned by an investor who buys a bond at a given market price, holds it to maturity, and receives all interest payments and the capital redemption on schedule. It is the (theoretical) internal rate of return (IRR, overall interest rate): the discount rate at which the present value of all future cash flows from the bond (coupons and principal) is equal to the current price of the bond. The YTM is often given in terms of Annual Percentage Rate (A.P.R.), but more often market convention is followed. In a number of major markets (such as gilts) the convention is to quote annualized yields with semi-annual compounding (see compound interest);  thus, for example, an annual effective yield of 10.25% would be quoted as 10.00%, because 1.05 × 1.05 = 1.1025 and 2 × 5 = 10.

Main assumptions

The YTM calculation formulates certain stability conditions of the security, its owner, and the market going forward:
 The owner holds the security to maturity.
 The issuer makes all interest and principal payments on time and in full.
 The owner reinvests all interest payments rather than spending them, to gain the benefit of compounded returns.
 The market provides consistent reinvestment opportunity at the YTM rate throughout the future, with no cost to transact.

The YTM calculation accounts for the effect of the current market price on the yield going forward, but omits the possible effects of contingent events.  Hence it is not an expected, or risk-adjusted rate. The YTM will be realized only if the above assumptions are met, and factors such as default risk or reinvestment risk do not occur. The total return realized at maturity is likely to differ from the YTM calculated at the time of purchase, perhaps considerably.

In practice, the rates that will actually be earned on reinvested interest payments are a critical component of a bond's investment return. Yet they are unknown at the time of purchase. The owner takes on reinvestment risk, which is the possibility that the future reinvestment rates will differ from the yield to maturity at the time the security is purchased.  Reinvestment is not a factor for buyers, who intend to spend rather than reinvest the coupon payments, such as those practicing asset/liability matching strategies.

Some literature claims that earning the yield to maturity does not require the investor reinvest the coupon payments, and that assuming reinvestment is a common mistake in financial literature.

Taxes and transaction costs
The yield is usually quoted without making any allowance for tax paid by the investor on the return, and is then known as "gross redemption yield". It also does not make any allowance for the dealing costs incurred by the purchaser (or seller).

Coupon rate vs. YTM and parity
 If a bond's coupon rate is less than its YTM, then the bond is selling at a discount.
 If a bond's coupon rate is more than its YTM, then the bond is selling at a premium.
 If a bond's coupon rate is equal to its YTM, then the bond is selling at par.

Variants of yield to maturity

As some bonds have different characteristics, there are some variants of YTM:
 Yield to call (YTC): when a bond is callable (can be repurchased by the issuer before the maturity), the market looks also to the Yield to call, which is the same calculation of the YTM, but assumes that the bond will be called, so the cashflow is shortened.
 Yield to put (YTP): same as yield to call, but when the bond holder has the option to sell the bond back to the issuer at a fixed price on specified date.
 Yield to worst (YTW): when a bond is callable, puttable, exchangeable, or has other features, the yield to worst is the lowest yield of yield to maturity, yield to call, yield to put, and others.

Consequences
When the YTM is less than the (expected) yield of another investment, one might be tempted to swap the investments. Care should be taken to subtract any transaction costs, or taxes.

Calculations

Formula for yield to maturity for zero-coupon bonds

Example 1
Consider a 30-year zero-coupon bond with a face value of $100. If the bond is priced at an annual YTM of 10%, it will cost $5.73 today (the present value of this cash flow, 100/(1.1)30 = 5.73). Over the coming 30 years, the price will advance to $100, and the annualized return will be 10%.

What happens in the meantime? Suppose that over the first 10 years of the holding period, interest rates decline, and the yield-to-maturity on the bond falls to 7%. With 20 years remaining to maturity, the price of the bond will be 100/1.0720, or $25.84. Even though the yield-to-maturity for the remaining life of the bond is just 7%, and the yield-to-maturity bargained for when the bond was purchased was only 10%, the annualized return earned over the first 10 years is 16.25%. This can be found by evaluating (1+i) from the equation (1+i)10 = (25.84/5.73), giving 0.1625.

Over the remaining 20 years of the bond, the annual rate earned is not 16.25%, but rather 7%. This can be found by evaluating (1+i) from the equation (1+i)20 = 100/25.84, giving 1.07. Over the entire 30 year holding period, the original $5.73 invested increased to $100, so 10% per annum was earned, irrespective of any interest rate changes in between.

Example 2

An ABCXYZ Company bond that matures in one year, has a 5% yearly interest rate (coupon), and has a par value of $100. To sell to a new investor the bond must be priced for a current yield of 5.56%.

The annual bond coupon should increase from $5 to $5.56 but the coupon can't change as only the bond price can change. So the bond is priced approximately at $100 - $0.56 or $99.44 .

If the bond is held until maturity, the bond will pay $5 as interest and $100 par value for the matured bond. For the $99.44 investment, the bond investor will receive $105 and therefore the yield to maturity is 5.56 / 99.44 for 5.59% in the one year time period. Then continuing by trial and error, a bond gain of 5.53 divided by a bond price of 99.47 produces a yield to maturity of 5.56%. Also, the bond gain and the bond price add up to 105.

Finally, a one-year zero-coupon bond of $105 and with a yield to maturity of 5.56%, calculates at a price of 105 / 1.0556^1 or 99.47.

Coupon-bearing Bonds

For bonds with multiple coupons, it is not generally possible to solve for yield in terms of price algebraically. A numerical root-finding technique such as Newton's method must be used to approximate the yield, which renders the present value of future cash flows equal to the bond price.

Varying coupon

With varying coupons the general discounting rule should be applied.

Subscriber Yield

A term used in Japan, this is simply the Yield to Maturity at time of issue: in other words the Yield to Maturity enjoyed by the buyer (subscriber) in the primary market.

See also
 Bond valuation: present value approach
 Dividend yield
 Bond duration
 Coupon rate
 Compound interest
 I-spread
 Asset swap spread
 Option-adjusted spread
 Z-spread

References

 .  The standard reference for conventions applicable to US securities.

External links
 Yield-to-Maturity and the Reinvestment of Coupon Payments

Fixed income analysis
Bond valuation
Yield (finance)

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Well, I couch this under great food because it could be great…with some work…what do you get when you cross a chef who knows how to cook meat with a great beer list and a restaurant with a games area….a gastropub… That is what Light Horse restaurant could be…but isn't. Because the owners haven't recognized their chef's gift…..understanding proteins, flavor profiles, and guilty pleasures. The good: fried Brussels sprouts, bistro filet, pulled pork, hot chocolate and cookies…the bad: braised (not) fennel and camembert sauce appetizer, steak tartare with the purple potato fries…the ugly: the sauce on the filet, the cabbage and mole ( too much), the missing bread basket, decor. Little work…lotsa potential!
We recently returned again (it has been several actually) to this Old Town favorite of ours. The menu has been revamped showcasing only the chefs strong suits! We loved the smoked and sauced chicken wings, brussels sprouts, hamburgers and hand cut fries. Our deviled egg app was a topic of conversation for hours as we tried to ply the recipe from our waitress! Hard boiled eggs are peeled and soaked in soy until they color slightly. The yolk is mixed with a miso paste and they are topped with a thin slice of pepper and siracha. Delicious!
Our waitress was knowledgable about the food and alcohol..she helped me find a new beer I loved!
There will be many happy and hungry returns!


Hoare's Bank provides outstanding customer service, backed by the highest levels of integrity and security.
A good restaurants and safety.
I have just seen two comments about the staff and it is not the same branch where I bank. They must of mistaken it for another bank. They are absolutely lovely there. I'm just sorry that people seem to be making cheap shots about the service. I go once a week as do most of the other customers and you can tell that we are made to feel very welcome and dare I say at home.
Excellent service today from Tom! I tried to switch over my account on the phone for the past 2 hours - no luck! I pop into the branch 10 minutes before closing and Tom was on hand to help. Did it all within 15 minutes and didn't mind staying late. Thank you!
Excellent service today! Just moved over from HSBC and the staff who helped me with an internet card reader were fantastic. The branch itself has just been redone and looks great! Thank you!


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Sheyang Tianyuan Chemical Co., Ltd. was founded in Sheyang Economic Development Zone, Jiangsu Province, in 2002. It is a national high-tech enterprise that engages in researching, developing, manufacturing and marketing textile printing and dyeing auxiliaries, surfactants, plant gums, leather auxiliaries, and other products. The company has thousands of varieties that can be divided into eight series including silicon oil, pretreatment auxiliary, dyeing auxiliary, after treatment auxiliary, printing auxiliary, functional finishing agent, leather auxiliaries and chemical fiber oil. Our products are widely used in textile, printing and dyeing, dyestuff, pharmaceutical, food and other fields. Based on favorable quality and perfect service, our products are sold well in Chin as well as in international markets such as Indonesia, Bengal, India, Turkey, Spain, Malaysia, Vietnam, Pakistan, Guatemala, and so forth, and they are highly praised by clients at home and abroad.
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Tianyuan strives to offer the clients best service experience by excellent products and perfect services. We would like to cooperate with friends of all circles based on mutual benefit for creating a more brilliant future.


Skoda's behemoth saloon is actually a cunningly-disguised fastback hatchback, and when you lift up that tailgate you're presented with a brain-meltinglty massive 625-litre boot.
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Prices have crept up a bit in recent years, but a well-equipped base petrol model can still be had for under €30,000 and if you like the Superb can even play a respectable luxury game, with the high-end Laurin & Klement models.
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Q: changing 3d model at run time I am new in 3D modelling, I am not expecting exact ans but any hint, link or direction will good for me. I am working in java and i have to work with 3D model now. So its like, I will make a model (using XYZ software) and define some parts of it lets say part1, part2. Then at run time on browser user have a drop down to select the part and then he give some value , now i want to change the 3d model according to that value of that part (that could be length,width etc) and user should be able to see that on browser.
First, Is it possible, changing dimension at runtime (I can make some restriction also)?
Second , Any hint , library or logic direction will be great help.
I can go for any language , any software now as because I am about to start from scratch.
If I haven't made my question clear, do let me know.
One solution I can think of is for different possibilities ,I should have different model already in background, and load that one , whose dimensions matches with user selection.
OR any other suggestions ??

A: Your question is quite unclear in that you say that you are using Java but can go for any language...
I am making the assumption here that you are indeed using Java. There are several libraries available for Java that support "rendering" of 3d objects. The level of abstraction depends on the individual library/framework.
Some example of what are referred to as low-level libraries:
Java 3D, (OpenGL wrappers)lwjgl, JOGL.
Some higher level frameworks:
JMonkeyEngine, Andor3D, Ogre4J.
I only list a few as an exhaustive list is not what SO is for, nor am I going to compare them for the same reason.
If you want to code the loading of assets, how they render, how they are stored at runtime, how they should be rendered then you will probably be going with the lower level ones. Going with a framework means you care less about what low level graphics library you use rather what the framework can offer.
Your second set of questions really deal with details that you would only need to worry about after the initial choice. If you have model loading code then you can just load a new model triggered by an event.
Edit: Only caught that you said run in browser, if that is a requirement then that complicates things. You would probably need to go another route, perhaps WebGL and javascript, or three.js.
Again without a more specific question, can't really give a more concrete answer.
Edit : Reuest per comment:
Although flash support is being phased out of web-browsers there are several libraries available. papervision, unity3d-web, away 3d. I have away3d myself on a small project for a simulation visualisation project. It was pretty easy to use, but for what I needed perfomance was not good, but then again I would not recommend using flash for 3d either. That said it has probably improved since then.

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Test-driven development (TDD) is a proven way to find software bugs early. Writing tests before your code improves the structure and maintainability of your app.
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TAMPA, FLA. - Speaking on the eve of the Republican National Convention, Ron Paul reassured hundreds of ecstatic supporters at a rally here Sunday that the revolution he began is far from over.
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It was likely to be one of the last speeches of Paul's political career - the Texas Congressman's presidential campaign will officially end when the Republican Party nominates Mitt Romney this week, and Paul is retiring from Congress at the end of this year. But he promised his legions of fans on Sunday that the movement will move forward, even in his absence.


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Are there other forms of life in the universe? The scientific search for extraterrestrial life forms has been bolstered by two recent discoveries. First, the discovery of life forms in exotic environments on Earth indicates that life is very hearty and can adapt to the strangest and most hostile environments. Second, astronomers found planets orbiting stars besides our sun -- over 50 extrasolar planets have been discovered as of 2001. Are there alien life forms on any of these planets?
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It is widely accepted today that high-power, low frequency ultrasound treatment represents one of the most effective methods of cellulite reduction and local fat reduction. It often provides immediate results - if the right equipment is used with the right protocols.
• Increase fat cell membrane permeability which results in the release of fat into the bloodstream.
• Creates gas bubbles inside the fat cells, which expand and consequently implode, breaking the fat cell membrane. This results in fat release into the bloodstream, as well as the elimination of the fat cell itself (adipocytes, being very fragile cells, are damaged, while other cells, such as fibroblasts, stay intact and actually benefit from the stimulus provided by ultrasound).
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Ultrasound cavitation has been used for several years in Europe (known as "cavitazione con ultrasuoni"), and the women swear by it's effectiveness.
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What does the LIPOCONTOUR Body Sculpt treatment entail?
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LIPOCONTOUR is a straightforward and pleasant experience. After you lie down on the treatment table, we stimulate the lymphatic system to prep the body and encourage the removal of liquified fat. Then we apply gel on the skin of the treatment area, the equipment headpiece is placed on the skin, gliding with the aid of the gel along the treatment area.
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How many treatments do I need for effective cellulite reduction/ skin tightening/ local fat removal?
Most clients need 6-12 sessions.
We have to assess your individual case in order to give you an accurate answer (our introductory session includes assessment, consultation, treatment guidelines and cost).
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As the treatment leaves you with NO bruises or swelling (just a slight, usually imperceptible redness which dissipates in less than thirty minutes), after the end of the session nobody will notice that you have just had a treatment and you can go about your daily routine as normal.
What happens to the fat released by the cavitation or radio frequency treatment?
Fat released by radio frequency and cavitation can be oxidized for energy in the muscles and other tissues.
Ultrasound cavitation stimulate the release of fat, in the form of triglycerides, by the fat cells (adipocytes). These triglycerides are taken up by the lymphatic vessels and the veins and end up in various body tissues (such as the muscles) where they can be burned (oxidized) for energy or eliminated from the body through urine.
Exercising and eating healthily on the day of the treatment ensures maximum results.
If on the day of the treatment the body is in "calorie deficit", i.e. if you have not eaten any fattening food and/or if you have exercised, then the fat released by the treatment will be oxidized for energy. Therefore, eating healthily and exercising on the same day maximizes the effects of any cellulite/fat removal treatment.
On the other hand, if on the day of the treatment you eat normally (or even worse, excessively), you are sedentary or you drink alcohol, then the body will redeposit some of the excess calories back into adipose tissues around the body. The adipose tissues on the treated areas will be less receptive towards the absorption of fat, but still the fact remains that some fat will be redeposited into adipose tissues throughout the body.
So eating normally or excessively and being sedentary on the same day minimizes the effects of any fat/cellulite removal treatment, while on the other hand, dieting and exercising on the day of the treatment will maximize the results of the treatment and your investment in it.
In most cases treatment is recommended once or twice a week (and at least once in two weeks) for 6-12 sessions.
More frequent treatments (up to 3 times a week per area) can be received for faster results, e.g. before vacation, wedding, birthday, anniversary or other important event.
LIPOCONTOUR creates changes in the connective and adipose tissues that are very long-lasting.
In addition, high-power, bipolar radio frequency not only instantly contracts the existing collagen protein network, but it also stimulates the secretion of new collagen and elastin proteins from the fibroblasts collagen cells. This means that LIPOCONTOUR BodySculpt offers both immediate and long-lasting skin tightening results.
The skin firming results of the treatment are very long-lasting almost regardless of your lifestyle. This is because the new collagen/elastin fibers built due to the stimulating effects of the radio frequency treatment.
Do I need to do anything to prepare myself for the treatment?
Make the most of your treatment by eating healthily and exercising on the day of the treatment.
It is a must that you drink A LOT of water before the treatment, at least one and a half liters, before and after.
The LIPOCONTOUR BodySculpt treatment does release fat from the cellulite tissues into the bloodstream. Therefore it is essential that on the day of the treatment you eat vegetables, salads and very lean protein (e.g. fish, chicken/turkey breast etc.) in order to burn the released fat and make the most of your treatment.
Any type of starch (including the so-called "good carbs" such as brown rice, brown bread, potatoes, pasta etc.), sugary food and drinks (such as cakes, croissants, muffins, coffee/tea with sugar or honey etc), fruits (including fruit juices, carrot juice and smoothies), alcohol, and fat of any kind (including oils, nuts, seeds and cheese) are not allowed on the day of the treatment, to prevent the body from redepositing excess fat back into the fat cells.
Furthermore, exercise before or after the treatment are ideal for even more pronounced results.
In summary, consider the day of the treatment as a detox day where you are allowed to eat any vegetable you like in any quantity you like (except carrots and beetroots), with the addition of fish and chicken breast.
The fat/cellulite-reducing effects of the treatment can be maintained almost indefinitely if a healthy lifestyle is followed. On the other hand, fatty/sugary food, alcohol and inactivity can slowly lead to deposition of new fat and cellulite, so to make the most of your investment you are advised to live an active and healthy lifestyle.
Maintenance treatments once a month, or touch-up courses once a year may be desired.
If an averagely healthy, or less than healthy, lifestyle is followed, maintenance treatments once a month are recommended. Alternatively, some women opt for a refresher course of 6~12 sessions every year, usually before the summer or vacation.


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Board Paper of Class 12-Science 2013 Physics (SET 2) - Solutions
General Instructions:
(i) All questions are compulsory.
(ii) There are 29 questions in total. Question Nos. 1 to 8 are very short answer type questions and carry one mark each.
(iii) Questions Nos. 9 to 16 carry two marks each. Questions Nos. 17 to 25 carry three marks each and questions Nos. 27 to 29 carry five marks each.
(iv) There is no overall choice. However, an internal choice has been provided in one question of two marks, one question of three marks and all three questions of five marks each. You have to attempt only one of the choices in such questions.
(v) Questions No. 26 is value based question carries four marks.
(vi) Use of calculators is not permitted. However, you may use log tables if necessary.
A cell of emf 'E' and internal resistance 'r' draws a current 'I'. Write the relation between terminal voltage 'V' in terms of E, I and r.
Which of the following substances are diamagnetic?
Bi, Al, Na, Cu, Ca and Ni
A heating element is marked 210 V, 630 W. What is the value of the current drawn by the element when connected to a 210 V dc source?
A capacitor has been charged by a dc source. What are the magnitude of conduction and displacement current, when it is fully charged?
The given graph shows the variation of photo-electric current (I) versus applied voltage (V) for two difference photosensitive materials and for two different intensities of the incident radiations. Identify the pairs of curves that correspond to different materials but same intensity of incident radiation.
Which of the following waves can be polarized (i) Heat waves (ii) Sound waves? Give reason to support your answer.
Write the relationship between angle of incidence 'i', angle of prism 'A' and angle of minimum deviations for a triangular prism.
What is the geometrical shape of equipotential surfaces due to a single isolated charge?
Block diagram of a receiver is shown in the figure:
(a) Identify 'X' and 'Y'.
(b) Write their functions.
An ammeter of resistance 1 Ω can measure current up to 1.0 A (i) What must be the value of the shunt resistance to enable the ammeter to measure up to 5.0 A? (ii) What is the combined resistance of the ammeter and the shunt?
(a) Write the necessary conditions for the phenomenon of total internal reflection to
(b) Write the relation between the refractive index and critical angle for a given pair of optical media.
State Lenz's Law.
A metallic rod held horizontally along east-west direction, is allowed to fall under gravity. Will there be an emf induced at its ends? Justify your answer.
In the given circuit diagram a voltmeter 'V' is connected across a lamp 'L'. Ho would (i) the brightness of the lamp and (ii) voltmeter reading 'V' be affected, if the value of resistance 'R' is decreased? Justify your answer.
A convex lens of focal length 20 cm is placed coaxially in contact with a concave lens of focal length 25 cm. Determine the power of the combination. Will the system be converging or diverging in nature?
Explain, with the help of a circuit diagram, the working of a photo-diode. Write briefly how it is used to detect the optical signals.
Mention the important considerations required while fabricating a p-n junction diode to be used as a Light Emitting Diode (LED). What should be the order of band gap of an LED if it is required to emit light in the visible range?
(a) An em wave is travelling in a medium with a velocity . Draw a sketch showing the propagation of the em wave, indicating the direction of the oscillating electric and magnetic fields.
(b) How are the magnitudes of the electric and magnetic fields related to velocity of the em wave?
(a) In a typical nuclear reaction, e.g.
although number of nucleons is conserved, yet energy is released. How? Explain.
(b) Show that nuclear density in a given nucleus is independent of mass number A.
(a) Why photoelectric effect cannot be explained on the basis of wave nature of light? Give reasons.
(b) Write the basic features of photon picture of electromagnetic radiation on which Einstein's photoelectric equation is based.
Using Bohr's postulates, obtain the expressions for (i) kinetic energy and (ii) potential energy of the electron in stationary state of hydrogen atom.
Draw the energy level diagram showing how the transitions between energy levels result in the appearance of Lymann Series.
In a series LCR circuit connected to an ac source of variable frequency and voltage ν = vm sin ωt, draw a plot showing the variation of current (I) with angular frequency (ω) for two different values of resistance R1 and R2 (R1 > R2). Write the condition under which the phenomenon of resonance occurs. For which value of the resistance out of the two curves, a sharper resonance is produced? Define Q-factor of the circuit and give its significance.
A capacitor of unknown capacitance is connected across a battery of V volts. The charge stored in it is 360 μC. When potential across the capacitor is reduced by 120 V, the charge stored in it becomes 120 μC.
Calculate:
(i) The potential V and the unknown capacitance C.
(ii) What will be the charge stored in the capacitor, if the voltage applied had increased by 120 V?
A hollow cylindrical box of length 1 m and area of cross-section 25 cm2 is placed in a three dimensional coordinate system as shown in the figure. The electric field in the region is given by , where E is NC−1 and x is in metres. Find
(i) Net flux through the cylinder.
(ii) Charge enclosed by the cylinder.
Figure shows a rectangular loop conducting PQRS in which the arm PQ is free to move. A uniform magnetic field acts in the direction perpendicular to the plane of the loop. Arm PQ is moved with a velocity v towards the arm Rs. Assuming that the arms QR, RS and SP have negligible resistances and the moving arm PQ has the resistance r, obtain the expression for (i) the current in the loop (ii) the force and (iii) the power required to move the arm PQ.
Distinguish between 'sky waves' and 'space waves' modes of propagation in communication system.
(a) Why is sky wave mode propagation restricted to frequencies upto 40 MHz?
(b) Give two examples where space wave mode of propagation is used.
Output characteristics of an n-p-n transistor in CE configuration is shown in the figure.
(i) dynamic output resistance
(ii) dc current gain and
(iii) ac current gain at an operating point VCE = 10 V, when IB = 30 μA.
(a) In what way is diffraction from each slit related to the interference pattern in a double slit experiment.
(b) Two wavelengths of sodium light 590 nm and 596 nm are used, in turn to study the diffraction taking place at a single slit of aperture 2 × 10−4 m. The distance between the slit and the screen is 1.5 m. Calculate the separation between the positions of the first maxima of the diffraction pattern obtained in the two cases.
White travelling back to his residence in the car, Dr. Pathak was caught up in a thunderstorm. It became very dark. He stopped driving the car and waited for thunderstorm to stop. Suddenly he noticed a child walking alone on the road. He asked the boy to come inside the car till the thunderstorm stopped. Dr. Pathak dropped the boy at his residence. The body insisted that Dr. Pathak should meet his parents. The parents expressed their gratitude to Dr. Pathak for his concern for safety of the child.
Answer the following questions based on the above information:
(a) Why is it safer to sit inside a car during a thunderstorm?
(b) Which two values are displayed by Dr. Pathak in his action?
(c) Which values are reflected in parents' response to Dr. Pathak?
(d) Give an example of similar action on your part in the past from everyday life.
(a) State the working principle of a potentiometer. With the help of the circuit diagram, explain how a potentiometer is used to compare the emf's of two primary cells. Obtain the required expression used for comparing the emfs.
(b) Write two possible causes for one sided deflection in a potentiometer experiment.
(a) State Kirchhoff's rules for an electric network. Using Kirchhoff's rules, obtain the balance condition in terms of the resistances of four arms of Wheatstone bridge.
(b) In the meterbridge experimental set up, shown in the figure, the null point 'D' is obtained at a distance of 40 cm from end A of the meterbridge wire. If a resistance of 10Ω is connected in series with R1, null point is obtained at AD = 60 cm. Calculate the values of R1 and R2.
(a) Derive the expression for the torque on a rectangular current carrying loop suspended in a uniform magnetic field.
(b) A proton and a deuteron having equal momenta enter in a region of a uniform magnetic field at right angle to the direction of a the field. Depict their trajectories in the field.
(a) A small compass needle of magnetic moment 'm' is free to turn about an axis perpendicular to the direction of uniform magnetic field 'B'. The moment of inertia of the needle about the axis is 'I'. The needle is slightly disturbed from its stable position and then released. Prove that it executes simple harmonic motion. Hence deduce the expression for its time period.
(b) A compass needle, free to turn in a vertical plane orients itself with its axis vertical at a certain place on the earth. Find out the values of (i) horizontal component of earth's magnetic field and (ii) angle of dip at the place.
(a) Draw a ray diagram showing the image formation by a compound microscope. Hence obtained expression for total magnification when the image is formed at infinity.
(b) Distinguish between myopia and hypermetropia. Show diagrammatically how these defects can be corrected.
(a) State Huygen's principle. Using this principle draw a diagram to show how a plane wave front incident at the interface of the two media gets refracted when it propagates from a rarer to a denser medium. Hence verify Snell's law of refraction.
(b) When monochromatic light travels from a rarer to a denser medium, explain the following, giving reasons:
(i) Is the frequency of reflected and refracted light same as the frequency of incident light?
(ii) Does the decrease in speed imply a reduction in the energy carried by light wave?
More Board Paper Solutions for Class 12 Science Physics
Board Paper of Class 12 Physics Term-I 2021 Delhi(SET 4) (Series : SSJ/1)- Solutions
Board Paper of Class 12 Physics Term-I 2021 Delhi(SET 4) (Series: SSJ/2)- Solutions
Board Paper of Class 12-Science 2020 Physics Delhi(Set 1) - Solutions
Board Paper of Class 12-Science 2019 Physics Delhi(Set2) - Solutions
Board Paper of Class 12-Science 2019 Physics All India(Set 1) - Solutions
Board Paper of Class 12-Science 2019 Physics Abroad(Set 3) - Solutions
Board Paper Solutions for Class 12 Science Biology

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https://mmajunkie.usatoday.com/2013/11/ufc-light-heavyweight-champion-jon-jones-details-intentions-to-retire-by-30
UFC light heavyweight champion Jon Jones details intentions to retire by 30
Mike Bohn
TORONTO – UFC light heavyweight champion Jon Jones was entirely serious when he recently stated his desire to leave the sport of MMA behind by 30 years old.
Jones (19-1 MMA, 13-1 UFC), 26, believes he will be able to accomplish all of his career goals within the next four years, at which point he will make his exit from active competition.
Some fighters try to stay active well past their primes, and after seeing the consequences for those before him, Jones believes it's most important to retire with a full bill of health.
"I just want to leave the sport with a good head on my shoulders," Jones told MMAjunkie. "I don't want to be one of these guys that are taking fights way past their prime."
The New York native has seen many of his athletic idols continue to compete past their primes for essentially no reason.
With all Jones has already accomplished in his short career, he will go down as one of the most successful fighters ever, regardless of how future bouts play out.
Jones is fully aware of that, and even if he's still considered the world's best fighter at 30, he believes continuing beyond that point would only tarnish his reputation.
"I want to leave my legacy in a healthy spot," Jones said. "I want my legacy to be respected and I just want to leave on top."
Critics of Jones' initial statements believe he may be teasing retirement as a negotiation tactic to draw a more lucrative contract from his employers going forward.
The 205-pound champ adamantly denies those claims, saying financials have no barring on the situation.
"No. No I didn't say that for more money," Jones said. "Right now, where I'm at financially, I never thought I would be, so I could honestly retire today [and be financially secure]."
As the UFC becomes increasingly more popular around the globe, Jones' star grows brighter and brighter with each passing day.
He has already managed to draw crossover sponsorships into the MMA world from companies such as Nike and Gatorade, and has previously voiced goals that expand beyond the MMA sphere such as modeling and acting.
Those opportunities are ones Jones has created for himself though his efforts in the octagon, and when he walks away from the sport, he'd like to reap the benefits of that work.
"I've had a lot of doors be opened through MMA and I just feel like there's a lot of other business out there," Jones said. "There's a lot of other business out there."
Jones made his UFC debut in 2008, which means by 30 he would have spent nearly nine years of his life fighting the world's best talent under the UFC banner.
That is nearly one-third of his life in one of the most physically taxing sports, so when the time comes to hang up the gloves, the youngest fighter to ever claim a UFC title believes he'll deserve to go out on his own terms.
"I feel like its been fun. I've got a little bit more to prove, but I've also proven a lot already and there's no need to do it after 30," Jones said. "I think I'm a smart enough guy to be able to do a lot of other things."
For more on the UFC's upcoming schedule, stay tuned to the UFC Rumors section of the site.
Yaroslav Amosov's first title defense is official.


It's Summertime- Send a Postcard!
Surprise a friend, relative, or send one to yourself just for fun. Postcards provide a charming way to stay connected. They are so much better than a facebook post because they are personal and they were written just for you.
Postcards are quick and exciting to send and receive. You don't need an occasion. With my present schedule, I'm sending postcards to all my pen friends, until I have more time to write letters.
Whether you're on a "staycation"or you just want to send a fast "thinking of you, " send a postcard!


Briefly, Soldo is a contemporary cryptocurrency, a kind of digital assets, like Bitcoin, with uniqe features aimed to everyday use.
Soldo based on CryptoNote technology but have the modified CryptoNight proof-of-work algorithm called SoftCrypton.
Nobody can owns or controls Soldo, it uses peer-to-peer technology. Soldo provides instant worldwide privacy protected transactions. Modern strong cryptographycs secures the Soldo network and authorize individuals to control their own finances and information. The private key is your bank account, without censorship and surveillance.
Soldo was designed as a light alternative to current Cryptonote-based coins. It should be mineable even with low-end PCs, including phones and tablets.
It's allows the more egalitarian and widespread initial coins distribution process.
Blockchain size and network load plan to stay at reasonable level as well. Transfer's tiny flat fee is another key point of Soldo for everyday use.
Soldo Team is planning to release all features required for flawless use in real life. Each Cryptonote-based coin has its weak and storng points. Soldo will borrow the strongest ideas from the most popular coins and combine all of them in the single coin.
Soldo will never be abandoned by Developers owing to clear Roles delimitation and existence of Project Coordinator, Auditor and Escrow, who control all digital assets of the project like domain names, chat/forums/messengers admin accounts, github repository keys and so on.
Soldo is a private, decentralized cryptocurrency with open source code that allows everyone to take part in the Soldo network development. Privacy and security come naturally from using Soldo. The best solution for those who want to keep their financial privacy.
Instant private transactions are provided all around the world by the Soldo Network, they are totally untraceable, and they don't require any additional fees. Fiat currencies are assigned to specific territories while Soldo is bound to the Internet and therefore is international by default.
Soldo for miners stimulating has a built-in lotery, so the regular block reward can sometimes be multilpied by the "luck" factor of the lottery.
Coin's source is available at Github.
No pools will be started this time, so a solo mining only. NO GPU mining fist time as well.
But you can fork any GPU miner and start your own pool at any time - nobody can prevent it.


Some were there in the flesh, and some in spirit. Thanks to everyone who helped make this event special!
The crew at Coffeebar is a pleasure to work with and served up beautiful beverages and delicious treats with their usual good grace that made our guests feel spoiled!
Feminine Success came and took video footage of a walk through of the paintings and I'll share that with you as soon as it's edited.
Until then, a few pix to whet your whistle!
This show is up until May 31st, so if you happen to be in the area, check it out!


DIY Archives - Medical Marketing Enterprises, L.L.C.
May 12, 2012 by Randall Wong, M.D.
Your website should contain 3 basic pages; Home, About and Contact. When starting to build a website you should still create these pages first.
Your home page has one purpose. It must quickly convey the type of medical services you provide.
If your home page is too busy and distracting…you can't deliver your message. Your readers will click away.
Just like the front door of your home, the home page conveys an image and message about your practice.
Whether you convey this information through a nice header, bold title or nifty tagline, your readers must be able to know they have found the right type of website. If you have yet to start a website, use the URL to also provide this information.
The about page should be the first page added to your new website. While the home page conveys what you do, the about page should convey who you are. It's a great way to show some personal transparency.
It is here that you get to tell your story. All too often, the "about" page is mistakenly used as an online resume or curriculum vitae. While it is important to convey your credentials, take the opportunity to talk at least a little bit about your hobbies, practice style, etc.
Most readers have no idea about the rudiments of medical training and reading the highlights of your medical career tends to mimic every other medical professional; great credential after great credential becomes meaningless to our future patients because there is no relevance.
Use the About Page to distinguish yourself from your colleagues and competitions. Be bold and tell a little of the human side of you! Be transparent!
The contact page should list all of your contact information. It doesn't have to be fancy, but list all the different ways a patient can find you. Most of the elements are self-explanatory, yet I'd stress that you should list the real name/email address of a real person to contact.
"Contact" or "Support" are not as good as giving the first name of a true person in your office. Take the opportunity to make every item as personal as possible….it matters.
December 7, 2011 by Randall Wong, M.D.
After your have purchased your URL, hosting and installed WordPress.org, your next tasks are to start a GMail account, install Google analytics and register your site on WebMaster Tools.
All these are Google products, are free and require a Google/Gmail account.
Go to Gmail.com. There will be a link to create your new Google Account. It is free.
"Create an Account" and follow the directions. This will now give you a username and password for all of your Google products, e.g. Google Analytics and Webmasters Tools.
Installing an analytics package onto your website is one of the first things you need to do with your new site.
In short, analytics allows you to find out about your readers: what they like to read.
Remember, your goal is to rank your website high to get new patients. Valuable, highly ranked sites get there by providing information relevant to the users' (patients') search query.
For instance, I found that many of my followers like information on retinal detachments. I noticed this by reviewing my Google Analytics data. Articles on retinal detachments are read more often than any other topic on my site.
Thus, I know that I'll attract more readers if I continue to write on retinal detachments.
Google also offers this free tool. Webmasters tools can do many things (see below), but this is the best way to submit your site to Google. If your site is new, you want to tell Google that you have a new site so you will be indexed. Google can not rank your site if it does not know you exist.
If you have an older site, it is may already be indexed.
Perhaps the most important function second to allowing Google to index your site is to verify that you have a sitemap on your webpage and that it works. A sitemap is basically a file on your site that functions as a table of contents for the search engine bots.
Search engines look for a sitemap, without a sitemap your pages may not get indexed. Without indexing, you may not rank. It's important for your SEO rankings.
November 13, 2011 by Randall Wong, M.D.
When you choose "hosting" for your medical website, use the same company from whom you bought the URL. Try to keep things simple for yourself, no need to add another variable such as an additional vendor. Usually you can buy both the URL and hosting at the same time.
There are a variety of hosting choices available for you. All you need is "shared hosting." You need to choose a plan that is; affordable, reliable uptime, 24/7 customer support and can run WordPress.org. These are basic requirements and are provided by most hosting companies.
All other "higher" forms of hosting really differ with respect to handling traffic, security and bandwidth.
They function and are indexed as well as any other, but there are limitations to design, functionality and SEO. It may be a good place to get your feet wet, but if you want to do this right, and still very cheaply, then start off with the recommendations below.
Instead of setting up an account on a 3rd party's server, you have free space on the respective servers here. Simply go to these sites and sign-up.
Instead of the completely free sites, we recommend using anyone of the companies listed below and looking for shared hosting plans.
Shared hosting is the most popular and affordable form of hosting other than free. For a small business, such as medical practice, this is all you will probably ever need. It offers complete flexibility as your website grows, can accommodate more visitors than you ever hope, and has virtually no requirements for learning how to maintain your site from the IT perspective.
With your shared hosting plans, the many websites are using the same server and the resources are "shared." At times, this may slow the download speed of your site.
Purchase an account (through our affiliate link please!) and host your site with one of the following companies.
For our purposes, both virtual and dedicated hosting are options that you may consider if your traffic exceeds what normal shared hosting can provide. Unless you have thousands of visitors a day occupying your bandwidth with large file transfers (both unlikely with a medical website) you probably do not need either of these levels.
Also, with virtual and dedicated hosting, you will mostly likely need to be responsible for maintaining your server. Increased cost and increased IT responsibility. Remember, we are doctors.
These are the new wave and, for now, might be a better consideration if you mature beyond the needs of shared hosting. Cloud servers offer the advantage of reliable uptime as multiple "copies" of your site are always available and, thus, your site is not affected natural disasters, equipment malfunctions, etc.
This situation also requires you to provide your own IT support. With more and more offices equipped with your own servers, this may be a viable option for you. Of course, you must provide your own IT support.
June 10, 2011 by Randall Wong, M.D.
Writing your first post in WordPress is pretty easy. This post will walk you through the steps and screens that you need to start your very first post!!
1. After logging in to the administration panel of your web site. You should see the following screen, if not, click on the Dashboard link as highlighted.
It is also located in the left column of your screen. When comfortable….click on "Posts" and the link should expand.
Your page should now look like the screenshot below. Click on the appropriate areas to add your title and content of your article. It is as simple as using any word processor. If you want to save your work without publishing it, click "Save Draft." "Publish" will put your new post on the Internet!
Remember, you can always edit or remove posts and pages on WordPress at a later time!!
May 8, 2011 by Randall Wong, M.D.
Using anchor text is the best method to create a hyperlink. It describes the link and maximizes the SEO of either inbound or outbound links. It is a valuable to understand especially if you are creating or managing your own website.
A link, or hyperlink, allows the reader to "click" and initiate an action. Usually a hyperlink can take you to another web page, web site, downloadable document, etc. Images can also serve as a link.
A hyperlink, or link, is often highlighted or colored and maybe underlined. It is created automatically using your web page/blog software.
There are several ways to set up a hyperlink. The most common, and basic, structure is to simply highlight the entire URL (URL = "www.typeyourwebsitehere.com") as the actual link.
This works and is fine, but it is ugly and has almost no SEO value. Clicking on this link will take you to your desired page.
This is probably the most common hyperlink using anchor text. By clicking on "here," you are taken to your destination. Looks better because it is readable text, but little SEO value. Technically, "here" is describing your target URL.
Just as you would create a link using the word "here" and link it to your URL, this style of linking allows you to use keywords to describe the content of the target. This is the value of using keywords to describe target URL's.
The words, or phrase, you use as the actual text to construct the link let's Google rank our page higher with this added information. Anchor text, as back links, from an external source, when contained in rich, relevant content are the best endorsements of your web page and will garner the highest rankings.
My web site on retinal disease.
We teach you how to improve your medical web site rankings.
External Links: These are links away from your site. I prefer to use anchor text almost exclusively because it looks and reads smoother. Links away from your site have the least SEO value.
Internal Links: If you notice, almost every article we produce as at least 3 hyperlinks per article. Most times, we prefer to link to pages or posts internal to this site. This internal linking as SEO value, so we try to use anchor text as much as possible.
Images: This is probably overlooked by most designers and SEO specialists. Choose an image to serve as the link and then choose your target URL. NOTE: place keywords, text in the "alt text" window of the image to maximize the SEO.


The Kansas City bankruptcy attorneys at The Sader Law Firm have more than 30 years' experience helping individuals, couples and businesses with Chapter 7 bankruptcy, Chapter 13 bankruptcy and Chapter 11 bankruptcy. Our caring, experienced attorneys and staff understand what financial problems can do to you and your family. If you are facing foreclosure, you need an attorney to get involved as quickly as possible to let you know your options!
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An experienced bankruptcy lawyer at our firm will work directly with you to simplify the bankruptcy filing so that you can put your troubles behind you as soon as possible. Our goal is to obtain quickly the necessary information via phone, email or an office visit. Depending on circumstances, we can file cases within one or two days of a first discussion. We can even accommodate emergency filings.
Neil S. Sader, the managing member of our firm, says, "At The Sader Law Firm, we are committed to being as responsive to your needs as possible." Expect your phone call to be answered right away during the business day or, if calling after hours, efforts are made to return the call the same day or at the latest the next business day.
The Sader Law Firm consists of a team of knowledgeable and dedicated attorneys and staff interested in serving our clients. Each attorney has a unique legal background that we put to good use by matching his or her knowledge to best meet each of our client's needs. The firm's attorneys have appeared in federal and state courts throughout the states of Missouri and Kansas and across the country. Bankruptcy, for us, is not just another practice area. Helping individuals, families and businesses through bankruptcy is our focus and passion. We look forward to speaking with you to discuss ideas and strategies for best resolving your financial problems in a professional and efficient manner.


Baltimore students came together on December 8, 2014 to write about the police killings of Michael Brown, Eric Garner, and Tamir Rice. On May 3, 2015, these same students came together to write about the police killing of Freddie Gray in Baltimore. On November 16, 2016, students came together to write about the election results.
The first student write-in produced the writing on BlackWordsMatter.org. We'll continue to collect and share writing about race and police brutality.
Thanks to a grant from the Maryland Humanities Council, Black Words Matter has been able to ..


There are 2 main types of termites in Washington State – the subterranean termite and the dampwood termite. Termites feed on wood or wood products. Most termites need a moist environment (the soil or wet wood). If the termite colony is allowed to grow, they can produce great structural damage. Detecting termites can be pretty hard, but there are some signs that can give them away.
There's a reason why we call ourselves Northwest Termite and Pest Control!
For post construction treatment, we offer both traditional liquid and the bait/monitoring system. When using liquid treatment only, we treat the foundation of the home, all slabs touching the home and all porches. However, we also offer the combination of both methods together, the liquid and the baiting system. Using both will help decrease your chances of having a termite problem in the future. The bait/monitoring system determines if the termites are present near the home. The termites feed on the bait/monitoring system and spread the bait with the other colony members. The traditional liquid is used to create a barrier around the home which will add a secondary area of protection. Finally, the other option is the baiting system only. We install monitors around the home and check them on a quarterly service refilling them as needed.
For new construction treatments, we primarily use liquid. Using liquid allows us to put a protection barrier under the structure before it is actually built. After the structure is built, we return to apply a barrier around the finished structure. This is done after the structure has completely been finished being built and landscaped.
Existing Subterranean Termite infestations usually requires complete treatment of the soil under and around the entire structure How ever some times a spot or localized treatment will Elimate the termites.
Because of their wood-eating habits, termites sometimes do great damage to buildings and other wooden structures. Their habit of remaining concealed often results in their presence being undetected until the timbers are severely damaged and exhibit surface changes. Once termites have entered a building they do not limit themselves just to wood, also damaging paper, cloth, carpets, and other cellulosic materials. Often, other soft materials are damaged and may be used for construction. Particles taken from soft plastics, plaster, rubber and sealants such as silicon rubber and acrylics are often employed in construction.
Termites usually avoid exposure to unfavourable environmental conditions. They tend to remain hidden in tunnels in earth and wood. Where they need to cross an impervious or unfavourable substrate, they cover their tracks with tubing made of faeces, plant matter, and soil. Sometimes these shelter tubes will extend for many metres, such as up the outside of a tree reaching from the soil to dead branches. Most termite barrier systems used for buildings aim to prevent concealed termite access, thus forcing them out into the open where they must form clearly visible shelter tubes to gain entry.


Many people like the idea of getting their light bill to $zero, but think that they may sell their house in a few years, so is it a good investment? Will they 'get their money back'?
Great questions – Here's the short answer: Yes!
Here's the long answer: There's different ways to view this issue, and no one "˜correct' way. However, the consensus is the same – your home value goes up. We'll look at 2 different approaches to answer the questions.
1. Imagine selling your home 5 years from now, when the fancy new photo-voltaic system you had installed is only about half paid for itself. So maybe it cost you $35,000 and you've had $17,000 in saved electricity bills since it was installed. You home goes on the market, and down the road a very similar home goes up for sale (who pay the utility company for their electricity). Now Mr. & Mrs. Buyer come along, and they love both homes. But when they do the math on their monthly payments including utility bills, they are saving about $280 per month (at today's rates) with your home because of the solar electric system. This is the equivalent of a $60,000 mortgage at 4%! And the rate is locked in, so their utility bills won't increase. For Mr. & Mrs. Buyer the decision is now an easy one, and you get the sale – at a much higher price than the other house down the street was being offered for.
2. Another point of view is that of the National Association of Appraisers, where a more scientific approach was proposed. They took the value saved each month, annualized it, and multiplied that figure by 20 to get a value. Using the previous example, $280 per month x 12 x 20 = $67,200. Having spoken with a couple of appraisers on this point, their feeling is that the calculation is ok, but they would want to see comparable home sales with and without a solar electric system installed to be able to accurately determine the value any given market puts on the solar system. For example, in Seattle where annual weather patterns may reduce the effectiveness of a solar powered system, a value may be added of $20,000. Consider this same system installed on a house in southern California (great weather, shockingly high electric costs) and the value may be determined to be $90,000.
But back to the short answer from the top of this blog – yes solar powered solutions to replace utility-company supplied electricity is a good investment in nearly all cases.


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SPANISH & TAPAS
STEAK GRILLS
-- SHOW ALL --
ALE & CRAFT BEERS
COOL & QUIRKY
LEEDS DOCK
[ LISTEN ]
Get closer to the best local music
events and offers
3 - 7 Mar 2020
Leeds Grand Theatre
Bill Kenwright presents the multi-award winning production of Kander and Ebb's landmark musical, Cabaret. Directed by National Theatre Director Rufus Norris, the production has enjoyed two smash hit West End runs at The Lyric and The Savoy theatres.
Starring as Emcee is John Partridge, winner of Celebrity MasterChef 2018, well known to TV audiences as EastEnders' charismatic Christian Clarke and one of West End theatre's most prolific leading men (A Chorus Line, Chicago, La Cage Aux Folles). Kara Lily Hayworth stars as the iconic Sally Bowles following her spectacular performance in the title role of Cilla The Musical which was revered by both critics and audiences alike.
They are joined by Anita Harris, who first rose to fame as a singer in the 1960s and has appeared both on screen (Follow That Camel, Carry on Doctor) and on stage, most notably as Grizabella in the West End's Cats.
Host of BBC One's All Together Now and team captain on Channel 4's 8 Out Of 10 Cats. He is also the star of BBC One's Live At The Apollo, Would I Lie To You?, Channel 4's 8 Out Of 10 Cats Does Countdown, BBC Two's Mock The Week, ITV's Play To The Whistle, ITV2's Celebrity Juice and Sky's A League of Their Own. And he is a host of Dave's podcast, The Magic Sponge, alongside Jimmy Bullard and Ian Smith.
ROMESH RANGANATHAN
Fresh from the 'Misadventures of Romesh Ranganathan', 'A League Of Their Own' and 'Judge Romesh', he's putting showbiz aside to deliver a carefully curated selection of all the things he has found unacceptable since the last tour, including why trying to save the environment is a scam, why none of us are truly free, and his suspicion that his wife is using gluten intolerance to avoid sleeping with him.
Now set in 2020, this sparkling tribute to the universal power of friendship, sisterhood and music tells the hilarious story of the disco diva whose life takes a surprising turn when she witnesses a murder. Under protective custody she is hidden in the one place she won't be found – a convent! Disguised as a nun and under the suspicious watch of Mother Superior, Deloris helps her fellow sisters find their voices as she unexpectedly rediscovers her own.
DERREN BROWN
Derren Brown returns to the stage with his brand-new live show! The multi award-winning master of mind control and psychological illusion, Derren Brown, is at his very best on stage. His one-man shows have received wide critical acclaim and more Olivier wins and nominations than any other in history! Fresh from his hugely successful Broadway debut, Derren returns home to the UK to launch his first brand new theatre show in five years: Showman.
The content of the show remains a closely guarded secret, but if you've seen him before, you know you're in for a powerhouse treat!
This brilliant new staging has taken the world by storm and has been hailed as "Les Mis for the 21st Century". With scenery inspired by the paintings of Victor Hugo, the magnificent score of Les Misérables includes the songs I Dreamed a Dream, On My Own, Bring Him Home, One Day More, Master Of The House and many more. Seen by over 120 million people worldwide in 52 countries and in 22 languages, Les Misérables is undisputedly one of the world's most popular musicals.
© 2020 Love-Leeds.com


Character Bio: If Mark Corsey has a favorite number, it's probably 49.
Corsey – who runs a small book-publishing business as his day job – has done well by that number. His first published design, The Game of 49, got thumbs-up from reviewers and landed in Target stores this summer. But the road to nationwide, big-box store distribution wasn't smooth or assured.
Corsey came up with the idea for The Game of 49 in 2008, and after working out most of the abstract game's auction and area control structure, he began shopping it around to traditional publishers. He didn't get any bites. Kickstarter had barely launched and wasn't yet a major player in game publishing, so without a way to get his design out into the world, Corsey put it on a shelf.
But in 2013, Corsey dusted off his game to take it to Unpub and the Boston Festival of Indie Games, where budding game designers gather to test out their prototypes. The game was still solid, feedback was positive, and he met Shari Spiro of AdMagic, which had printed the runaway hit Cards Against Humanity a few years before.
In 2014, Corsey ran a modestly successful Kickstarter for The Game of 49. AdMagic printed the game, and that could have been the end of it. Except Corsey kept demoing the game, traveling to conventions and game events. Around the same time, Spiro had begun the game publishing company Breaking Games, and she worked to get Target stores to carry a spiffed-up second edition of The Game of 49.
"I tell people she opens doors and closes deals," Corsey said of Spiro.
But a lot of the credit also goes to Corsey, who had been tireless in demoing The Game of 49. I asked Corsey what he brings to a demo session.
Mark Corsey: The attache case I always carry – which has garnered more than a few comments – has in it a copy of the game. It also usually has a copy of my questionnaire when I'm playtesting, but once I'm at the state where I'm only demoing, the questionnaire goes away for an extra set of demo cards – typically seven cards from the deck; it doesn't take a full deck to demo the game. Plus my second lanyard.
I'm always the guy with two lanyards – one for my I.D., and one for my demo cards.
Matt Golec: So you put your demo cards in your lanyard?
MC: That's something I did spontaneously way back because I got tired of flipping through the deck, looking for the right cards to demonstrate things. I thought, "You've got more than one deck of cards, just take out the cards you need from the second deck, keep them always on hand.
I could keep them up my sleeve, put them in my pocket, but this thing was always hanging around my neck and I could literally pull the cards out and have what I needed.
MG: Tell me what those seven extra cards do. They set up all the different rules you want to get across?
MC: They do. It's a simple matter of having a few cards to represent the standard types of cards in the deck, and a few others that represent the exceptional cards in the deck. In The Game of 49, those are the wild, pay-off cards. So I'll have one of each of those wild pay-off cards to show people, and I will have two of the 49 cards…because it's important to show that the card can come up more than once in the game, and it has different ramifications depending on whether it's the first time or second time or third time it comes up.
So duplicate of that card, individual copies of the wild pay-off cards, and a few standard cards to point out different areas around the board.
MG: And after those seven cards, people don't keep going with the game, right? You clear the board and start over with a new game?
MG: Sounds like you have a lot of lines memorized. It's like you're a traveling showman.
MC: I recall some years ago reading about a study about evaluating the performance of surgeons. The question was, 'what made a good surgeon?' …There were many things that mattered, but what it came down to was the best surgeons were the ones who had performed the most surgeries.
It's not that aptitude or skill didn't matter…but what mattered (most) was who'd done a lot of surgeries, and that's what I've found to be the case with demos.
MC: Practice is what enables you to figure out what's working, what's not working, to hone your presentation so that it's efficient, and engaging, and informative, and – one hopes – successful in getting people to sign on to at least play if not purchase.
MG: And you said you can get people up and running in two, two-and-a-half minutes? That's impressive.
MC: It's a game with a straightforward rule set…Now, if I move from that stage to where people are actually playing the game, I'll introduce another rule or two as they're playing – rules about bidding restrictions or special options or that sort of thing – ones that you don't have to have to start the game. And those are things better introduced when you encounter a situation where that information is pertinent.
MC: Context is the perfect word there.
MG: Do you get a lot of common questions during demos? Or have you tweaked your demo so you answer all the questions you typically get?
MC: The answer is yes and yes. You get common questions, and certainly over time I've refined my presentation so I'm anticipating and answering those questions, but part of what you learn in doing this over and over again is how to identify personality types. There are people who are going to be asking questions when you're four words into your presentation.
That's one of the common questions, and you definitely do get things that start to become familiar after a while.
MG: You've taken your game to a bunch of different places – Boston FIG, Essen, Unpub. Do you have to tailor your demo when you go to different places?
MC: It's pretty much the same. The difference is at a toy fair, which is Februarys in New York. That's because there you're presenting to buyers, not players. You're presenting to managers of stores.
There you want to emphasize where it's been well-received…You want to mention that it's being carried by independent stores in their area, if that's the case. And you want to let them know that it plays in this amount of time for this amount of players, and that it takes this amount of time to teach. Not that you don't want to give them an idea of what the actual rules of the game are, but those are the characteristics that are equally important to them.
MG: Can you even estimate the number of times you've demoed the game?
MC: (laughter) I wish I could give you an answer. Hundreds and hundreds and hundreds.
MG: Sometimes I hear a band, or see someone on tour, and I wonder: How do they keep it fresh, singing the same songs in every town they go to? You've done the same patter hundreds of times. How do you keep it fresh? I've seen you demo, and you're always energetic and engaged with the audience.
MC: A couple of things help. One is that it's my game. There's a connection that I wouldn't have with anything else, no matter how much I liked another game or product that I'm demonstrating. It's never going to have that same tug at my heart that my own creation does.
In recent months, as it's become more established, as Breaking Games has done a good job promoting it to wider distribution, more people have become aware of it. When people come to the demo table and I say to them, 'Have you heard of this game?' they say, 'I've heard of this but I've never played. I'm interested in it.' When you're working with that, it's not hard to be enthusiastic and energetic.
When the folks who come to you are already interested and engaged, I'm just reflecting what they're giving me.
One of the central things I've reminded myself over time is that when you're doing a demo, your audience wants you to succeed. They're there because they're interested, and they're on your side…That makes it a lot easier to engage and to be enthusiastic when you recognize these folks are here because they want to have a good time and specifically have chosen you or your product with which to have a good time.
So give 'em what they want. It's not that hard.
One more tip: Corsey calls watching other people demo "tremendously valuable." Whether it be veterans in adjacent booths talking up their games or Corsey's wife, Ruth, explaining The Game of 49, Corsey says that he's learned a lot seeing how other people approach demos.
Corsey also mentioned that he's working on other game ideas, and while he's not ready to share details quite yet, he is out on the convention trail demoing an expansion for The Game of 49. Fans can look forward to seeing a few new demo cards tucked into his lanyard.
For more information about Mark and his current endeavors, you can visit his webpage.
Photo Credits: Multiple Photos from the Markee Games site.


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TOEFL Certificate Complete Guide
Do you need a certificate that proves your English proficiency level? A future employer may ask you to show proof of your English competency. Or you might need a certificate that demonstrates your English fluency to get into your dream university.
There are hundreds of reasons to take the TOEFL and prove your English skills.
This guide will tell you everything you need to know about the certificate you will obtain after taking the TOEFL test.
TOEFL Certificate : Complete Guide
Quick FAQs About the TOEFL
What are the Different TOEFL Exams?
What Is TOEFL Certification?
Understanding Your TOEFL Score Report
MyBest Scores
How Is TOEFL Certification Different from TESOL, TEFL, CELTA, etc.?
Can You Obtain A TOEFL Certificate Without the Exam?
How to Obtain TOEFL Certification?
Additional FAQs About the TOEFL Certificate
TOEFL stands for Test of English as a Foreign Language. As the name suggests, it tests the English ability of non-native English speakers. The TOEFL is mainly taken by people who want to attend university in an English-speaking country. The TOEFL tests your English level and assesses your ability to succeed in an English-speaking academic setting.
USD 180 to USD 200 in the USA The fee varies slightly depending on the testing location.
About 3 hours
Scores are given on a scale of 1 to 120.
Test Locations
You can take the test at an official TOEFL testing center or at-home.
There are more than 4,500 test centers in more than 165 countries worldwide.
Score validity
Your scores will remain valid for two years.
If you wish to use your scores after two years, you will have to retake the TOEFL.
There are several types of TOEFL tests — the iBT, PBT, and Junior Standard.
The iBT stands for internet-based test. It is by far the most popular version of the TOEFL test. It is designed to be taken by students (ages 16+) and is mainly used for university admissions and higher education. The iBT is taken on a computer either at an official TOEFL test center, or at home via the TOEFL iBT At Home testing option.
The PBT stands for paper-based test. While you may still hear this term used, it's important to know that the TOEFL PBT is no longer offered. ETS (the company which runs the TOEFL test) stopped offering the paper-based test in April 2021.
If you happened to take a paper-based test in the past, your scores will still stay valid for 2 years from your test date, just as they would with the computer-based test.
The TOEFL Junior tests are designed to measure the English proficiency of younger students (ages 11+). The test is designed to identify students' strengths and challenges. It's a helpful tool for placing students in appropriate classes and monitoring their progress when it comes to mastering the English language.
TOEFL iBT vs PBT: What is the Difference?
After taking the TOEFL test, you will receive a score report, which is sometimes also referred to as a certificate. Your score report will be available online as a PDF two days after receiving your ETS scores. You will receive an email when your scores are available, and then you will be able to download a PDF containing your score report. (The only exception to this is for test-takers in China, where online score reports are not currently available.)
If you've requested a paper copy of your score report before taking the test, it will be sent to you by mail 13 days after the test date. Most test-takers receive their score report within 7 – 10 days in the US, but worldwide delivery may vary from 15 days to several months.
A free copy of your score report, or TOEFL certificate, will be sent to as many as four institutions of your choice, as long as you register them before you take the test.
Your TOEFL certificate will remain valid for two years from the test date. You can have additional copies of your score report sent to as many institutions as you like during those two years, although each extra copy will cost you USD 20.
TOEFL scores are based on a scale of 0 – 120. The test contains four sections – reading, listening, speaking, and writing. Each section has a total value of 30 points. You will receive a score for each section of the test and an overall score, which is an average of your scores from each section.
The scores are broken down within each section to get a picture of your English abilities with that particular skill.
English Proficiency Levels
TOEFL Scores
Reading Advanced
High-Intermediate
Low-Intermediate
Below Low-Intermediate 24 to 30
Listening Advanced
Speaking Advanced
Below Basic 25 to 30
Writing Advanced
Getting a complete picture of your overall TOEFL score may help compare it to the equivalent CEFR level. Although requirements vary from one university to the next, most universities require that you have a TOEFL score of anywhere from 79 to 100.
CEFR level
C2 114 to 120
C1 95 to 113
B2 72 to 94
A2 —
As we mentioned earlier, your TOEFL score report will remain valid for two years. The reason it only remains valid for two years is that TOEFL wants to make sure that your score is an accurate representation of your current English abilities.
After all, your English skills will likely evolve. After the two-year period has passed, you'll need to retake the test to get a fresh assessment of your English level.
This is a sample score report. You may notice that there are two different scores here. This is because ETS offers something called MyBest Scores.
MyBest Scores are a combination of a test taker's best scores from each section of the test taken within two years.
For example, you may score 20 on the Reading section and 25 on the Listening section the first time you take the test. Then, a few months later, you decide to retake it. This time you score 22 on the Reading section and 24 on the Listening test.
MyBest Scores will take your highest score from each section – so 22 for Reading and 25 for Listening. These higher scores will then be used to calculate your overall score.
Additional Reading — TOEFL Scores
Which Countries and Universities Accept TOEFL?
TOEFL Scores for the Top Universities in the USA
TOEFL Scores for the Top Universities in the UK
TOEFL Scores for the Top Universities in Canada
There are so many acronyms – TOEFL, TESOL, CELTA, TEFL – it's easy to get confused!
As we mentioned before, TOEFL stands for Test of English as a Foreign Language, and it tests the English skills of non-native English speakers. After taking the test, you will receive a score report (sometimes also called a certificate). ETS, an American assessment organization, offers the TOEFL test.
TESOL, CELTA, and TEFL are all qualification programs for teachers of English as a foreign language. TEFL, for example, stands for Teaching English as a Foreign Language. Upon completing these programs, participants receive a certificate that allows them to teach English abroad.
You may also hear the term "TOEFL certification" used about businesses or institutions. If an institution has TOEFL certification, ETS authorizes them to administer the TOEFL test.
Since TOEFL is a test designed to assess your English skills, if you receive a score report (or certificate) without taking the exam, it means that you have cheated on the test. You must accept the TOEFL test to receive a score report. If you come across a website or organization that offers you a TOEFL certificate or score report without taking the exam, stay away. It's a scam.
If you need a certificate that demonstrates your English abilities, you need to take the TOEFL exam. You can take a look at test locations. ETS also offers an at-home testing option. Many official TOEFL test prep materials can help you prepare for the exam.
If you want to teach English as a foreign language, you may be confusing TEFL (Teaching English as a Foreign Language) or EFL (English as a Foreign Language) with TOEFL. Unfortunately, quite a few fake programs offer online certificates for aspiring EFL teachers. Two of the most widely recognized and accepted qualifications for teaching English as a foreign language are CELTA (provided by Cambridge English) and TEFL.
If you are a business or institution, you may want TOEFL certification to administer the test at a university, office, language school, or other location with a computer lab. You can go to the official ETS website to look at the application form to see what you'll need to get certified.
How Can I Get a TOEFL Certificate?
As a student, the only way to get a TOEFL score report (or certificate) is to take the TOEFL test. There are thousands of testing locations around the world. It's also possible to take the TOEFL test at home. Once you have taken the test and your scores have been calculated, you will receive a score report, which you can send to the institutions and businesses of your choice.
Can I Get an Online TOEFL Certificate?
Yes. The most popular TOEFL test is the iBt or internet-based test. The entire test is taken on the computer. Once you complete the test, your score report (or certificate) will be uploaded to your ETS account as a PDF. You will then be able to download it. Keep in mind that your score report only stays valid for two years.
Does TOEFL Provide a Certificate?
After you take the TOEFL test, you will receive a score report. The score report summarizes your scores in the four different skill areas (reading, listening, speaking, writing), as well as an overall score that is an average of the four skill sections. The official name for this document is a score report, although some people call it a certificate.
How Can I Get My TOEFL Certificate?
Once you've taken the TOEFL test, your score report will be available online two days after receiving your scores. You can also request a physical copy of your score report when you sign up to take the test. Physical copies are mailed out 13 days after your test date. The physical copy can take a while to reach you if you live outside of the USA.
Can I Have Another Copy of My TOEFL Score Report?
Yes. You can request additional copies of your score report online through your ETS Account. Each extra copy costs USD 20. You can have an official score report sent to as many as 4 TOEFL-accepted institutions for free. You can add or delete these recipients until 10 p.m. (local test center time) on the day before your test.