Should I Convert My Term Policy To A Whole Life Insurance Policy?
When Is The Best Time To Convert A Term Policy To Whole Life?
Deciding whether to purchase a permanent life insurance policy or a term life insurance policy is a personal decision that you have to make based on your financial needs and financial goals. Life insurance, if you use it properly, can be a flexible and powerful financial tool that allows you to meet multiple objectives simultaneously.
Some term life insurance policies allow for you to convert your term coverage into permanent coverage provided your policy is still in place. This can be a very powerful move for a few reasons.
For one, when you convert to a permanent policy, you will not need to be medically re-evaluated and will pay rates based on your current age and previously recorded health from when you took out your term life insurance policy.
Another important aspect of term conversion is that it allows you to take your temporary coverage and convert it into permanent life insurance coverage which will now cover you for the rest of your life and also comes with additional benefits such as more policy riders and cash value accumulation.
For many people who own term policies which are able to be converted into permanent policies, the question is not of if they should convert their policy, but when is the best time to convert their term life insurance policy to permanent insurance. To answer this question, we must first look at the features of each product.
There are variables and considerations for choosing life insurance. When evaluating life insurance, you need to consider your personal situation.
When Do You Need the Coverage?
One important factor to consider is when you need the life insurance coverage for. If you know you will need permanent life insurance coverage from a young age, and can afford it, the sooner you convert the better.
This is because your cash value will begin to accumulate faster, and you will also pay the lowest rates when you are younger. For people who are older and approaching an age where term life insurance may soon not be an option, or may soon be rather expensive, converting may be the best option for you.
How Much Longer Do You Have on Your Policy?
The length of time you have left on your policy plays a large role in whether or not conversion makes sense for you. If your policy is approaching the end of its life, you should seriously consider switching it over to a permanent policy.
You want to be mindful of your company's and policy's specific terms because each company has its own stipulations on when you can convert your policy. Some require you to do it within a certain time period of purchasing the policy (usually within the first 1/2 of the policy's term).
Can You Afford the Coverage Now?
If you cannot afford the permanent life insurance coverage, you should definitely avoid converting your policy. While the extra cash value accumulation is nice to have, the amount you will be saving in premiums on a yearly basis (even if you open up a new term life insurance policy) is likely to outnumber this additional premium by a lot.
Furthermore, you could argue that this saved money could be reinvested elsewhere in order to yield higher returns than a permanent policy would anyways. So, if the time isn't right, don't rush into a decision that will put your family in a tight financial position.
Is it More Affordable to Purchase a New Term Life Policy?
Sometimes you just don't have the need for permanent life insurance like you may have initially thought. No worries, you can also just apply for a new term life insurance policy. However, this will cost you more than your first policy because you will now be older and potentially have more health risks.
This additional cost should be factored into your financial decision.
Why Should You Convert from Term Life to Permanent Life?
You can built better savings as you are older, and probably preparing for fewer family based expenses (child care or car loans) and transitioning to retirement.
If you have a lifelong dependent, transitioning to a whole life insurance policy after the financial obligations for the term policy have expired alongside it can set you and your lifelong dependent up for financial protection.
For those who are looking to offset the cost of estate taxes, transitioning to a whole life insurance policy can provide beneficiaries with the money to handle that. Similarly, you can use the benefits to make tax donations to a non-profit which can also mitigate the costs of estate taxes. Of course, you might prefer taking out a whole policy as a way to provide an inheritance to one child while another inherits your business or your estate.
If you are starting to develop health problems, you need to be aware that the cost of life insurance is going to increase as you age, and as your health declines. If you experience health problems, you should transition to a whole policy so that your family is protected financially and so that you can lock in a lower premium now before things get worse.
Consider that if you take a whole policy out now, you might be able to transition from your existing term policy without undergoing any other medical exams which would keep your premiums in the bracket they were when you originally took out a policy (just adjusted for any additional coverage and the length of the policy).
Most people who take a term policy do so because they cannot yet afford a payment of a few hundred dollars per month for a life insurance policy, especially since they are on the hook for that payment for the rest of their lives. Once you age, you might be in a position to better afford this, and you should.
When is the Best Time to Convert a Term Policy to Whole Life Insurance?
If you took out a term policy at age 20, for 20 years with $100,000 in coverage, you would $9 per month as a male. This amounts to $108 per year. Assume this is a level cost, so for 20 years you pay $108 annually bringing your total cost for 20 years to $2,160.
At this point, you are now 40. You take out a 20 year term to cover the rest of your family costs but since you have a growing family you need more protection, so you increase the coverage to $500,000. You would pay $31 per month for $500,000 in coverage for 20 years with the option to convert to a whole policy at the end.
You would spend $372 per year for 20 years which is $7,440. Then, that expires at 60. So at 60, you convert to a whole policy for only $100,000 in coverage because your financial obligations are no longer there (your home is paid off, you are retired, your kids are grown). This costs $384 per month which amounts to $4608 per year.
Comparatively, had you taken out a whole life policy at age 20, you would pay $72 per month for the same $100,000 in coverage bringing your total to $864 per year for however long you live.
Option 3: Had you taken out a whole policy when you turned 40, for the same $500,000 in coverage you would pay $248 per month or $2,976 per year for the rest of your life.
You paid a total of $2160 for your first term policy + $7,440 for your second term policy + $4,608 x the remaining 20 years which is $92,160. Your total paid in premiums from age 20 through age 80 is $101,760 and in the end, you receive a death benefit of only $100,000.
You paid a total of $864 per year for 60 years which equals $51,840 and your death benefit is $100,000.
You paid a total of $2,160 for your first term policy + $2,976 x the remaining 40 years which equals $119,040. In total, you paid $121,200 for a death benefit now of $500,000.
So the point at which you need to convert is going to vary based on age and coverage, but the sooner you do it, the better off you will be.
With the cost being increased for your life insurance premiums when you convert it into permanent life coverage, it is important to examine the cost before doing so.
Yes, you absolutely can. Almost all major life insurance companies offer term policies that are convertible. In many cases, this is described as a rider, one which lets you convert at the expiration of the term. Best case scenario, those riders let you convert without undergoing additional medical exams.
Can I get money from my term life insurance policy?
No, you really can't. The only way you will get money from a term life insurance policy is if you decide on a "return of premium" term policy and outlive it, in which case all of your paid premiums are returned to you as a refund (which isn't taxable as income).
In almost all cases the answer is "no". Term policies do not let you take money out like whole policies do.
What percentage of term life insurance policies pay out?
Less than 1% of all term policies ever pay out. This is not because the companies refuse, but simply because 99% of people who take out a term policy will outlive it. Then that money invested in premiums is lost and the protection alongside it.


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All Royal College of Music articles
How do you get into a conservatoire?
Mark Messenger, head of strings at the Royal College of Music, reveals what conservatoire audition panels are looking for
Learning Beethoven with Maxim Vengerov
Three students at the Royal College of Music reveal what it's like to work with Maxim Vengerov, 'one of the big legends of the violin' on Beethoven's Violin Concerto.
Jennifer Stumm named viola professor in Vienna
The American violist will continue as a guest professor at London's Royal College of Music
London's Royal College of Music to host International Double Bass Festival
Bassists from around the world will take part in a day of masterclasses, seminars, coaching sessions and performances on 16 October 2016
Violinist Maxim Vengerov appointed visiting professor at London's Royal College of Music
The virtuoso performer will visit the college at least three times per year
London's Royal College of Music receives rare Gagliano violin in its original Baroque set-up
The 1758 instrument has been gifted to the institution on permanent loan
London's Royal College of Music to purchase English National Ballet's current home
Contracts for the sale of Markova House have been exchanged with completion due to take place in 2018
Students practise performance skills on virtual audience
The Royal College of Music, London and Conservatorio della Svizzera Italiana, Lugano have developed a performance simulator

redpajama_set_name: RedPajamaCommonCrawl


Are you trying to open a inp file? Find here the right software which will enable you to view, open or edit Abaqus Input File type.
An INP file is an input file that has been created by the engineering simulation software, Abaqus.
The INP file saves information relating to a project within Abaqus, such as input data for a job, which allows a range of output data to be created.


Over the summer I updated a number of apps to iOS 9. A common tasks for me was replacing the deprecated UIAlertView with new UIAlertController class. Generally this is easy to do, but there is one scenario that UIAlertView handles well that UIAlertController doesn't support at all: displaying an alert view from parts of your code without a reference to the current view controller, for instance, displaying an alert view from the app delegate.
At WWDC I stopped in at one of the labs and asked an Apple Engineer this same question: "What was the best practice for displaying a UIAlertController?" And he said they had been getting this question a lot and we joked that they should have had a session on it. He said that internally Apple is creating a UIWindow with a transparent UIViewController and then presenting the UIAlertController on it.
You can grab the source code for WPSAlertController from my github repository and include it in your project, or use the entire WPSKit.framework in your project if you want to use WPSAlertController plus other handy classes that I use when creating iOS apps.
Posted in programming. Tagged in ios, objective-c.


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Q: 503 Service Unavailable but heroku logs show 200 I'm making an expensive call to my Heroku Rails server. After 13-15 seconds the console in my browser reports a Service Unavailable 503 error. However when I check my heroku logs, it reports:
Completed 200 OK in 45592ms (Views: 220.3ms | ActiveRecord: 33457.5ms)

Other times the heroku logs report a memory exceeded quota. Here is an example of that below.
2015-06-11T15:17:20.238285+00:00 app[web.1]: Completed 200 OK in 81881ms (Views: 201.6ms | ActiveRecord: 18021.2ms)
2015-06-11T15:17:33.482930+00:00 heroku[web.1]: Process running mem=841M(164.4%)
2015-06-11T15:17:33.482930+00:00 heroku[web.1]: Error R14 (Memory quota exceeded)
2015-06-11T15:17:53.147570+00:00 heroku[web.1]: Process running mem=841M(164.4%)
2015-06-11T15:17:53.147679+00:00 heroku[web.1]: Error R14 (Memory quota exceeded)
2015-06-11T15:17:59.751540+00:00 app[web.1]: E, [2015-06-11T15:17:59.695813 #3] ERROR -- : worker=2 PID:13 timeout (121s > 120s), killing
2015-06-11T15:17:59.916750+00:00 app[web.1]: E, [2015-06-11T15:17:59.906435 #3] ERROR -- : reaped #<Process::Status: pid 13 SIGKILL (signal 9)> worker=2
2015-06-11T15:18:02.487428+00:00 app[web.1]: I, [2015-06-11T15:18:02.427293 #16]  INFO -- : worker=2 ready

Why is it reporting a Completed 200 when the console is reporting a 503?

A: there are 2 different things here:

*

*your app

*the heroku load balancer

In this case the load balancer see that the request is taking too long and sends you the 503. In the back the service processes the request and returns completes with a 200.
See:
https://devcenter.heroku.com/articles/limits
https://devcenter.heroku.com/articles/request-timeout

A: Heroku does not gives us much information for error-code = H10. Simple put, something is going wrong with your application code / configuration. To see what's going wrong, run heroku run rails console and you will be able to see error details which will be help you in resolving the error. No need to use logs. heroku run rails console is a big help

A: This happened with me when I used Node. I put a timeout for 30 seconds and I used to get HTTP:503. I then came to know that it's the timeout that caused the issue. I changed the timeout to <30 seconds and it is working fine. Maybe it's because of the loadbalancer that Heroku uses.
Thanks.

redpajama_set_name: RedPajamaStackExchange


please use PREFIX constant before every table name.
The query builder uses PDO parameter binding throughout to protect your application against SQL injection attacks. There is no need to clean strings being passed as bindings.


You can send photos, screenshots, drawings, stickers and text messages to your friends or teachers, to other devices, to classroom wall or even to your home TV screen. Just move the images with your finger on the screen. It is that easy!
Register in BRIEFR with your e-mail address and start sending messages for free!


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tomkat
SUNetID Login
Postdoc Fellowship Home
Funding Requirements and Guidelines
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TomKat Center Postdoctoral Fellowships in Sustainable Energy - Program Requirements
All TomKat Fellows are expected to acknowledge the TomKat Center for Sustainable Energy as a source of support, submit annual progress reports, and be willing to participate in TomKat Center requested activities.
TomKat Center for Sustainable Energy Acknowledgement: We ask that fellows include an acknowledgement of the TomKat Center for Sustainable Energy funding in any presentations, publications, or working papers that result from the research. In addition, we ask that fellows keep us informed of any such working paper or publications and that they provide us with a version to be posted on our website.
Progress/ Final Reports: Reports are due each year by the submission deadline (which will be based on the appointment end date) and will need to highlight the fellow's research progress to-date and future plans. Satisfactory research progress is necessary for the release of the year 2 funding of the award. A shortened version of the report may be posted on the TomKat Center for Sustainable Energy website.
Detailed progress reports should be submitted in the form of 2-3 pages (including any graphics or charts), and should include the following:
Overview of proposed research and potential insights gained
Summary of progress and long-term goals
Details of progress and future directions
Fellow's updated CV, with a list of all publications submitted and published
Beyond the term of this appointment, it would be of great value to know what ongoing advancements are made and whether this work leads to any future support from external sponsors.
Presenting Research Results: The TomKat Center for Sustainable Energy may ask fellows to participate in presentations describing the funded work for the benefit of others in the Stanford community. In addition, they may be asked to present at programs and outreach events or post additional research information or working papers on the TomKat Center for Sustainable Energy's website.
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My parents currently live in China and they, like pretty much all of China nowadays, actively use WeChat. The last year, I've used WeChat more and more to communicate with them, but I could never understand why they and so many others were so drawn to WeChat over alternative messaging apps like iMessage. Despite a clunky interface, slow load times, and a design language that feels more 2008 than 2013, WeChat's Chinese adoption numbers have been off the charts, with over 400 million worldwide users and no signs of slowing in Asia.
I'm currently home in China for the holidays and I've had some time to observe how my parents are using WeChat, how my sister is using it, and how strangers on the street and on the subway are using it. What I've seen has definitely surprised me.
Most importantly, I've noticed that WeChat isn't a messaging app. I had originally thought that messaging was the main focus of WeChat. Instead, it performs a role best described as an interesting blend between messaging, social gaming, Twitter, and Facebook.
For a lot of people, WeChat is the start and end of their phone usage. Need to talk to someone? Send them a text message or leave them a voice message. Want to see what your friends are up to? Go to "Moments", where you can view a stream of their activity and post an update of your own. Want to play games? Play from within WeChat.
"Moments" is probably the most used feature of the app. It's basically a social network that lies adjacent to the app's basic messaging features, where users have profiles where they can post photos and statuses and change their profile pictures and cover photos. Like Facebook, you can publicly like and comment on posts. However, the "Moments" feature is buried two levels deep, much like how Twitter's direct messaging functionality was before the most recent update (version 6). To get to it, you have to first enter the Discover tab and before seeing others use it, I had personally never visited it.
The reason why WeChat is doing so well, though, is because its other features are definitely not ignored. WeChat, as an app, is very versatile, leading to insanely high user retention. Its chatting and messaging features, complete with chat backgrounds and stickers, have found popularity amongst the QQ crowd that provided the initial traction for WeChat (it's interesting to note that QQ and WeChat are both owned by the same company, Tencent, and that they successfully leveraged this existing userbase to launch WeChat). The messaging features serve as a replacement for email, texting, and IM. Like WhatsApp, a lot of people are opting to replace their traditional SMS plans with more data and using WeChat to fill in the gap. Throw in the network effect, and even those that don't choose to forego SMS find themselves on WeChat more and more as well in order to interact with their friends.
But it isn't just text messaging that is helping to drive WeChat's user retention. I was pretty surprised by how popular the walkie talkie (push-to-talk) feature is for communication, which I believe stems from how difficult it is to enter Chinese characters on a phone. It's not uncommon to see people walking down the street or on the subway, speaking in quick 2 to 3 second bursts on their WeChat accounts. Instead of calling one another, a lot of Chinese people choose to use these walkie talkie conversations, giving them the benefits of asynchronous communication coupled with the power of voice. I'm also suspecting that more and more people are starting to substitute their phone service with WeChat's walkie talkie feature as well, making an average Chinese user's phone plan pretty heavily focused on 3G data.
WeChat has grown so quickly because of its versatility and all-encompassing nature. I'd guess that the only app a lot of people in China use is, in fact, WeChat. My cousins and my family agree. Tencent would probably agree as well.
Tencent is hedging its bets that WeChat can and will own the entire Chinese Internet market. Just yesterday, they've launched Weixin TV, a smart TV completely integrated into WeChat, yet another expansion of the WeChat feature base. Instead of focusing on any one particular product and making it better, they've decided to throw literally everything under the WeChat umbrella.
This, precisely, is why I believe WeChat will not find the same success in the American market. What Chinese consumers are looking for is an all-inclusive piece of software that does everything they could ever want, whereas American consumers would rather split time between multiple apps in order to get the best possible user experience. In China, where it really is a winner-take-all situation, this isn't a bad development strategy, but the Western market is entirely different, where I don't see WeChat gaining mass adoption, at least in its current state. WeChat is part-Facebook, part-Twitter, part-Instagram, part-Tumblr, part-WhatsApp, part-Skype -- it does a lot, but it doesn't do anything exceptionally well. If WeChat wants to seriously compete in the American market, it will have to not only beat pure messaging apps like WhatsApp and iMessage, but also (and most importantly!) everything else that has been thrown into the mix.
where they can post photos and statuses and change their profile pictures and cover photos.
its other features are definitely not ignored.
이유(왜 WeChat이 그렇게 잘되는지)는 때문이다(위쳇의 다른 기능들이 전혀 간과되지 않았기 때문이다.
→ 이 문장의 경우 why, because가 주어 동사를 이끄는 접속사 역할을 하고 있다.
→ though는 주어 동사를 이끌고 있지 않으므로 부사로 해석하는것이 맞다.
→ 특히 이렇게 쉼표에 쌓인 though는 앞문장과 관련 있다고 보는게 더 맞다.
→ though를 똑 떼어서 문장의 맨 앞으로 보내고, 그 앞문장 연결시켜 보는것이 좋다.
→ definitely 만약 부사의 해석이 애매하고 명확하지 않을 때 부사를 빼서 맥락상 의미가 통한다면 부사를 빼고 명확하게 이해하는것도 방법이다.
leading(= which leads) to insanely high user retention.
(그 다재다능함이) 유별나게 높은 사용자 보유에 이르게 했다.
→ leading to insanely high user retention은 부사구로 다음과 같이 바꿀 수 있다.
→ That leads to insanely high user retention. 앞에 관계대명사 that(=which)이 versatile를 부가적으로 설명해 주고 있다.
→ Make your own skin starting from this existing skin.
from how difficult it is to enter Chinese characters on a phone.
→ I believe which sterms from (A) : 나는 which가 (A)로부터 연유한다고 생각한다.
→ 그러니 위의 문장 which I believe stems from (A)는 다음과 같이 해석할 수 있다.
(그리고 이곳에서)나는 위쳇이 엄청난 채택율을 달성하리라 보지 않는다.
→ 여기서 where 는 in the Western market를 말하고 있다.


Keylor Navas "I do not have to change anything, I'd like to play more, I'm not given the opportunity and when they give it to me I try to take advantage of it".
Keylor Navas "My family is the one that makes me stay here, enjoy and give everything for this shirt, it's a privilege."
"내가 바꿔야 할 건 없다, 더 많이 플레이하고 싶다, 기회가 주어지지 않고 있다 그리고 그들이 내게 기회를 줬을때 최대한 활용하려고 한다."
"날 여기 잔류하게, 즐기게 그리고 이 셔츠를 위해 모든걸 바치게 만드는 존재는 바로 내 가족이다, (레알에서 뛰는 건) 특권이다."


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Sand, Sea and Sewage: Are English Bathing Waters Safe?
Please click here for a short Interview film ( 8 minutes ) with Marinet's Directors.
SAND, SEA & SEWAGE
Marinet report, titled Sand, Sea and Sewage with an Obituary Tribute to Pat Gowen (1932-2017).
Campaign Posts
Bathing Waters (27)
CFP Reform Campaign (1)
Coastal Defences (49)
Conserving the Great Blue (4)
Fisheries (60)
Marine Aggregate Dredging (85)
Marine Legislation (4)
Marine Reserves (37)
Mining The Deep Ocean (5)
Planet Ocean (17)
Plastic Pollution (8)
Radioactivity (14)
Despite travel restrictions, costs and risk to health, Pacific islands sent negotiations teams to Cop26 in the hopes of influencing outcomes and ensuring that Pacific concerns were heard.
The minister for finance of Tuvalu, one of the atoll nations considered most at risk of disappearing due to sea level rise, gave an emotive speech to the summit in which he spoke of the impact of the climate criss on his country.
"It is not fiction, it is not projected to happen in the future – our land is fast disappearing. Tuvalu is literally sinking. We must take action now." 3 min speech here: https://youtu.be/jBBsv0QyscE
longer article here
https://www.theguardian.com/world/2021/nov/15/cop26-pacific-delegates-condemn-monumental-failure-that-leaves-islands-in-peril ... See more
In one century, whalers killed at least 2 million baleen whales, which together weighed twice as much as all the wild mammals on Earth today. Baleen whales, a group including blue, fin, and humpbacks, had long been hunted, but as whaling went industrial, hunts became massacres. With explosive-tipped harpoons that were fired from cannons and factory ships that could process carcasses at sea, whalers slaughtered the giants for their oil, which was used to light lamps, lubricate cars, and make margarine.
In just six decades, roughly the life span of a blue whale, humans took the blue-whale population down from 360,000 to just 1,000. ... See more
Tweets by @marinet_uk
Regulating Order for sustainable fishing in Firth of Clyde rejected by Scottish Government
Posted on 7th August 2016 in Fisheries
The Sustainable Inshore Fisheries Trust (SIFT) reports, 28th July 2016: SIFT is disappointed by the Scottish Government's decision not to approve its Clyde Regulating Order application. We regard this decision as a missed opportunity for Scotland's vulnerable coastal communities, who have suffered from decades of economic decline under short-term fisheries policies.
Note: The Sustainable Inshore Fisheries Trust is a Scottish charity founded in 2011. SIFT's aim is to promote the sustainable management of Scotland's inshore waters so that they provide the maximum long term benefits to all coastal communities. At SIFT's core is a coalition of community and maritime interests who wish to replace unfair, short-termist fisheries in their local inshore waters with a mix of sustainable and resilient maritime livelihoods.
Note: A Regulating Order is a piece of legislation granted by Scottish Ministers under the Sea Fisheries (Shellfish) Act 1967. It aims to improve the management of shell-fisheries by granting rights to a 'Grantee' to regulate the fishery for one or more named shellfish species in a designated area. A Regulating Order does not cover fin-fish fisheries — at present no such legislation is available.
The inshore fisheries problem
Scotland's inshore waters are important. They extend 12 nautical miles from Scotland's enormous 11,800km coastline, cover over half of the country's territorial area and were historically a rich source of wealth for coastal communities.
Despite the importance of inshore waters, their management has been neglected. Over-fishing and the use of fishing gears which damage habitats have not only been permitted but promoted. As a consequence the inshore ecosystem has been degraded and the valuable fin-fish stocks have collapsed to the point that coastal communities no longer enjoy a mixed and vibrant economy.
SIFT's solution
SIFT promotes fisheries policies which conserve and restore the diversity of the marine ecosystem. In particular SIFT promotes ecosystem based management and reductions in effort of damaging bottom trawls and dredges within specific inshore areas.
These policies will assist the return of a more lucrative, sustainable and mixed economy featuring revived fin-fisheries, which will benefit all commercial and recreational fisheries, alongside activities which rely on a healthy sea — such as wildlife tourism and diving.
All sectors that rely on our inshore waters — including the static and mobile fishers, sea anglers and the tourism industry — need robust new management measures to be put in place. The evidence from around the world is that stock recovery — and the economic benefits associated with it — cannot be delivered without the use of modern fisheries management techniques.
SIFT remains confident that the practical difficulties in managing quota are surmountable and that the economic benefits from an improved fishery would far exceed the costs of management.
Whilst SIFT welcome some of the management measures introduced under the Marine Protected Areas process, these measures were not implemented to directly benefit or improve the Clyde fisheries and so there remains a continuing need for a holistic fisheries management plan as was proposed in the Regulating Order application.
There is now an urgent need for the Clyde Marine Planning Partnership and the South West Inshore Fisheries Group to produce tangible fisheries management proposals for the Clyde.
Despite this disappointment [the Scottish Government's decision not to approve SIFT's Clyde Regulating Order application], SIFT looks forward to continuing to work with all those who share its aim to promote the sustainable management of Scotland's inshore waters so that they provide the maximum long term benefits to all coastal communities.
Source: SIFT Press Release, 28th July 2016. For further details, see www.sift-uk.org/SiftResponse.aspx
Mark Rose (Chairman)
Mark is the Chief Executive of Faunafauna The animals characteristic of a region, period, or special environment & Flora International, a leading UK based charity which aims to achieve a sustainable future for the planet, where biodiversitybiodiversity Biological diversity in an environment as indicated by numbers of different species of plants and animals. is effectively conserved by the people who live closest to it. He has helped broker partnerships with the finance sector and local governments to develop models that can harness the economic value of ecosystem services.
Charles Millar
Charles is a corporate environmental consultant. He is Chairman of the Association for the Protection of Rural Scotland, and a former member of the Environmental Advisory Council of the British Standards Institution.
Howard Wood
Howard chairs the Community of Arran Seabed Trust which established the first No Take Zone in Scottish Waters. He is a former scallop diver and has dived in Scottish inshore waters for nearly forty years. He is the 2015 European winner of the Goldman Environmental Prize, the world's largest award for grassroots environmental activists.
Jock Fleming
Jock was previously the proprietor of a well-known Clyde based ship chandlery business. He was also previously the Commodore of The Royal Northern and Clyde Yacht Club.
Michael Breslin
Michael is an Independent Councillor in Argyll & Bute and was previously the Principal of Argyll College, an academic partner of The University of the Highlands and Islands. He has a strong interest in economic development, employment creation and devolving decision making to the most local level possible.
Rupert Ormond
Rupert is a marine biologist with particular expertise in the behaviour and ecology of sharks and other coral reef fish, and in the monitoring and management of marine protected areas. Currently an Honorary Professor at Heriot-Watt University in Edinburgh, he has previously served as Director of the University Marine Biological Station at Millport in the Firth of Clyde, and as Chief Scientist of the Save Our Seas Foundation.
Staff: Alex Watson Crook
Alex is the Project Co-ordinator of SIFT's Firth of Clyde Project. She was previously the Senior Fisheries Officer at the Solway Shellfish Management Association and from 2009-2012 was the Local Fisheries Co-ordinator at the Clyde Inshore Fisheries Group.
In addition to its Board of Directors, SIFT has an Advisory Committee of leading inshore fisheries stakeholders. The Committee includes representatives from the Scottish static gear fishery, dive fishery, recreational sea angling fishery, freshwater fishery and the fish processing industry as well as leading experts on marine science and environmental and public law.
Information Pack on Firth of Clyde proposed Regulation Order www.sift-uk.org/media/file/Info%20Pack%20V2%20Nov%202015.pdf
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Vestory
Talking Real Money
Real Investing Journal
RisQuiz
MOney information and advice from Don McDonald based on more than thirty years of experience in the financial industry and on money talk radio
Three Decades of Solid Money Advice
Jun 20 Not an Index
Don McDonald
The Dow 30. If it's components are actively selected how can it be a real index?
Jun 21 Dave's Delusion?
Jun 14 401k Makeover
Don McDonald was the first Financial Editor of the Business Radio Network in 1988. He also hosted the money call-in show "The Ways & Mean Committee." A few years later, the name was changed to "The Don McDonald Show" airing on over 90 stations nationwide. Don also created "The Don McDonald Moneyletter" with thousands of paid subscribers.
Today, Don co-hosts the radio show and podcast "Talking Real Money," publishes the magazine "real investing journal" and is one of the founders of the fiduciary, fee-only, registered investment advisory firm, Vestory.
MoneyThirty is a service of Vestory LLC
Vestarter


text:
Can You Spot a Phishing Attack? Take This Quiz to Find Out
It may be a humbling experience, but the quiz might teach you to more carefully examine a sender's email domain and any URLs in the message before clicking on them.
Phishing attacks, which aim to trick you into handing over your personal information by masquerading as someone you know, are prevalent and effective. How susceptible are you to falling victim to one? A new quiz from Jigsaw, a company under Google's parent Alphabet, can help you find out.
"Identifying phishing can be harder than you think," the Jigsaw team wrote.
The quiz presents you with eight example emails, and you have to determine whether they're phishing attacks or legitimate. One example message looks like an email from Google informing you that someone has your password.
"Google stopped this sign-in attempt," the email reads. "You should change your password immediately."
The message appears legitimate, but here's the issue: Hovering over the "change password" link indicates it points to a subdomain of "ml-security.org," not Google.
"This is almost identical to an attack used to successfully hack politicians' emails," Jigsaw wrote. "Always be sure to check URLs carefully."
The quiz also warns people to be wary of messages from unknown senders, PDFs you're not expecting, and more. "Be cautious about hyperlinks and attachments you open from emails—they may direct you to fraudulent websites where you're asked to input sensitive information," Jigsaw recommends.
To take the quiz for yourself, head here.
In December, Amnesty International warned that a mysterious hacking group defeated the SMS-based two-factor authentication systems offered by Google and Yahoo to phish upwards of 1,000 people. The phishing attacks targeted journalists and activists based in the Middle East and North Africa through phony emails and login pages.
Meanwhile, that same month, word spread that a group of hackers linked to the Chinese military managed to breach both the European Union's communication network and the United Nations with the help of email-based phishing attacks.


The goal of Political Science at BYU-Idaho is to challenge and stimulate students to develop an understanding of governmental institutions and political systems, and particularly, to critically evaluate the L.D.S. members' role in the nations political process. Majors may have educational goals in pre-law or in careers as consultants, in government or as educators. The following programs will be offered in political science: (1) a minor in political science, (2) a minor in American Government Education.
NOTE on Pre-Law: Some universities do not have a specific major called Pre-Law. This happens because no specific major is required to enter law school. Students who wish to enter law school after completion of a Bachelor's Degree at BYU-Idaho are encouraged to choose any major of interest to them. If they want significant background in political science, they should complete a minor in political science.
NOTE to students who wish to obtain a Bachelor's Degree in political science: No 4-year degree in political science is being offered at BYU-Idaho at this time. Students who want a Bachelor's Degree in political science should optain an Associate Degree in General Studies at BYU-Idaho and then transfer to another college or university. While obtaining the Associate Degree at BYU-Idaho, students should complete as many of the requirements listed below for a minor in political science as are reasonably possible. Please consult with one of the political science faculty to determine which political sciences courses would be best for you. NOTE: A composite Social Science Eduction Degree will be offered. Please refer to the History Department catalog section for the requirements to obtain this degree.
1. Complete all General Education requirements as required by your major. Refer to the General Education section of this catalog for complete details.
1. Complete all General Education requirements as required by your major. Refer to the General Education section of this catalog for complete details. You must fill the American Institution requirement with AmHer 170.
English background of American institutions, colonial systems of government, the Constitution, the evolution and adoption of government to the changing role of the United States as an industrialized member of the world of nations, and the changing federal-state relations.
A survey of the major types of government in present use throughout the world showing the historical development, present organization, operation and political issue.
A study of the basic forces, practices and institutions used by nations in their foreign relations. Special consideration given to understanding today's international problems.
An introduction to the study and practice of law. A "non-glamour" oriented approach to the reality of the law profession.
Guidance and career work-experience hours to be arranged.
Career work experience and guidance designed to provide exposure to career opportunities related to Political Science and Pre-Law programs.
Systematic treatment of methodology in political science, including theory and techniques of quantitative research design.
A study of state and local political systems and their relationship to the federal system.
A detailed study of the executive branch of government at the national and state levels focusing particularly on the powers of the American presidency.
A detailed study of the powers, structure, organization, and procedures of the U.S. Congress and state legislatures, including relations with pressure groups and with the other branches of government.
The functions and roles of American political parties and interest groups as they relate to public opinion, elections, and government policy.
Introduction to administrative procedures and policy-making in government agencies. Some study of theory and policy assessment and the nature of bureaucracy.
The history of political science and political thought including the moral and ethical dimensions of politics and government.


Pest Resistance : RNA interference - Biotechnology and its Applications, Biology, Class 12 video for NEET is made by best teachers who have written some of the best books of NEET.... Pest Resistance : RNA interference - Biotechnology and its Applications, Biology, Class 12 video for NEET is made by best teachers who have written some of the best books of NEET.
Patents granted in the field of biology are called as bio-patents. Patents on plants, microorganisms or any process associated with manufacture of products …... Get Biotechnology and its Applications , Biology Chapter Notes, Video Lessons, Practice Test and more for CBSE Board Class 12 science only at TopperLearning.
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Professional grade linen tester for inspecting leather. Featuring a single PMMA lens with a strong 6x magnification and fold-up hinged metal frame with a scale on the base it is very compact when folded and easily fits into the pocket, wallet or purse. This linen tester is finished in black metal and is ideal for close inspection of repairs. Supplied with plastic pouch.


text:
Basilio Álvarez (1877–1943) was a Spanish priest, journalist and politician related to the Galician agrarianist movement. He was deputy by Ourense during the Second Spanish Republic, as a member of the Radical Republican Party.

Biography
Born in Ourense in 1877, was ordained priest in 1902. On 1907 he settled in Madrid, although by 1912 would return to Beiro, Galicia. His career as a religious was characterized by an unorthodox interpretation of the rules of the Catholic Church, where there is no choice of celibacy —but in fact came to have two children. These circumstances, among others, were the reason that between 1914 and 1928 was suspended by the Church. He has been described as a "picturesque" personality.

On his journalistic work he collaborated in publications such as La Nueva Época, El Eco, Galicia, Acción Gallega, El Parlamentario or La Zarpa. He was also director of the Catholic newspaper El Debate and author of works such as El cural rural (1904), Por los agros celtas (1907), El libro del periodista (1912), Abriendo el surco (1913), among others. His works and his meetings were in Spanish language.

He was one of the founders of the movement Acción Gallega, linked to the Galician agrarianist movement. He was known for his criticism of the caciquismo as an agricultural agreement that dominated medieval Galicia known as "foro". After 1913 he began to closer his speech to the workers movement and around 1915 Basilio Álvarez proposed collaboration with socialists and republicans. Opposite to centralism, advocated a federal structure in Spain. Some have drawn parallelism s between the rhetorical style and language of Álvarez —which has come to be described as "incendiary",  "cult", passionate or "Baroque"— with those of Alejandro Lerroux. Basilio Álvarez was a "charismatic orator".

In the early 1930s he joined the Radical Republican Party, with which it secured the 1931 deputy act for the circumscription of Ourense. He however left the group in 1935, for to be a member of a party the ephemeral Manuel Portela Valladares' Party of Democratic Center in 1936. Following the outbreak of the Spanish Civil War he went into exile. He died in 1943 in Tampa, Florida.

Notes

Bibliography

1877 births
1943 deaths
People from Ourense
Spanish Roman Catholic priests
Radical Republican Party politicians
Members of the Congress of Deputies of the Second Spanish Republic
Politicians from Galicia (Spain)
Exiles of the Spanish Civil War in the United States

redpajama_set_name: RedPajamaWikipedia


1Department of Plant Biology and Biotechnology, University of Benin, Benin-City, Nigeria.
Ocimum gratissimum commonly called scent leaf is a herbaceous plant belong to the family of lamiacea . It is a well-known medicinal plant amongst farmer and rural dwellers in Nigeria. An investigation of the antimicrobial activity and phyto constituent of Ocimum gratissimum root and leaf was conducted against some clinical isolates of Pseudomonas auroginosa, Klebsiella sp , Bacillus subtilis and type culture of Escherichia coli (ATCC 25922) and Staphylococcus aureus (ATCC20923). The water extract of both root and leaf were effective against the test organisms. They had no effect on Bacillus subtilis and Pseudomonas auroginosa. The ethanol extract of the root showed no action against the test organisms because no zone of inhibition was observed. The effect of aqueous (water) and ethanol extracts of the leaves and roots of Ocimum gratissimum were compared with a standard antibiotic (ciprofloxacin). The result showed that the extracts had a strong antimicrobial activity. The minimum inhibitory concentrations (MIC) ranges from 5mg/ml to 20mg/ml. Ocimum gratissimum, possesses some important phytochemicals which includes alkaloids, tannins, saponins, flavonoids, and quercetin.


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At French Door Local Experts, we know that you will need to keep within your financial budget and spend less money when you're able to. At the same time, you're looking for the most effective and finest quality of services regarding French Doors in Princeton, MN. Our attempts to cost less money won't compromise on the superior quality of our results. We use the leading practices and supplies to ensure that any project is going to stand up to the test of time, and we help you save money in ways that don't affect the excellent quality of any project. That is achievable since we recognize how to save you time and cash on supplies and labor. If you'd like to get lower prices, French Door Local Experts is the business to connect with. You are able to get in touch with our company at 888-669-5583 to start out.
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Nestle is to respond to the demands of their average customer by changing the name of Quality Street to Quantity Street.
The confectionery giant has admitted that 'Quality' isn't top of the list of priorities for buying the popular sweets, which is probably good all things considered.
Market research shows that Quantity is ranked first in order of importance by customers, followed by ease of access, attractive packaging, and type 2 diabetes.
Portion sizing in the kilo range was also considered a high priority.
"We first realised that perhaps our marketing strategy was misplaced when we noticed that the majority of our customers were wide enough to fill a supermarket aisle on their own and had a trolley full of catering-sized bags of Quavers," said Nestle spokesman Simon Williams.
"We had thought that by putting the word 'Quality' on the packaging we'd attract a clientele who shop at John Lewis, drive a Lexus and might be tempted away from their usual brands like Godiva, Richart and Valrhona.
As well as the name change, manufacturers say they will also make the sweets more desirable and better value for money by making the tin smaller.


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	-o-border-radius: 5px;
}

th.data {padding: 8px 4px 8px 4px;border: 1px solid #dcdcdc; background: url(img/green.jpg)repeat left center;text-shadow: 1px 0px #003362;color: #fff }
td.edit_td {padding: 4px; border: 1px solid #dcdcdc;color: #5b5b5b;vertical-align: top;}
tr.edit_tr {background: #fff}
tr.edit_tr:hover {background: #feffdc;}
tr.edit_tr small a{color: #fff;}
tr.edit_tr small{color: #fff;}
tr.edit_tr:hover small a{color: #527e19;}
tr.edit_tr:hover small a:hover{color: #000;}
tr.edit_tr:hover small {color: #5b5b5b;}

table.data { table-layout:fixed; }
table.data td { overflow: hidden; }

redpajama_set_name: RedPajamaGithub


Here's where you'll find Radar Toy's selection of Star Wars toys, Star Wars action figures, and Star Wars products. Star Wars is the giant. It's the biggest science fiction franchise in history. The films, the video games, the stories, the vintage toys - it's a franchise that has it all. There's not much to say, other than everything aspires to reach the level of Star Wars. Just remember the wisdom of Yoda: Do or do not. There is no try.


The following table compares the features in version 9.6 of PAC Project Basic™ and PAC Project Professional™. Download this table as a pdf.
For more information about controllers, see Opto 22 form 1677, SNAP PAC Controller and Brain Comparison Chart.
* Requires SNAP PAC S-series controller(s). See also SNAP-PAC-ROK Redundancy Option Kit.
** For more information, see Opto 22 form 1820, Communication Tools & Protocols for Opto 22 Products Technical Note.
*** Limited options using strategy logic if the user is an expert at database programming.


My primary vehicle of expression over the years has been an ongoing series titled GNOMEGAME. Its guiding concept relates to the revelation and personification of Human foibles and attitudes.
My awareness of the particular "attitude" being manifested on the picture plane usually crystallizes as either a print or painting unfolds. That is, I don't preconceive. This approach permits me to create a direct conduit from subjective cognition to the piece in progress.
I have the greatest faith in intuition and the truth it generates.


After learning I was going to be in New York City I (as usual) had to research and see what was going on in the Big Apple. How lucky was I to find out this week is the 2nd annual Malaysian Restaurant Week. Now I have eaten my share of Thai, but would not call myself an expert on Malaysian cuisine, so this was a fun culinary adventure today.
Pasembur (top left in the photo): A salad consisting of shrimp fritter, tofu, jicama, cucumber bean sprout, peanut, hard boiled egg and a special Malaysian shrimp paste dressing.
Mee Goreng (bottom left in the photo): A noodle dish consisting of egg noodle, bean sprout, tofu shrimp fritter, tomato, egg, fried shallot with a homemade chili sauce.
The Pasembur was a flavorful treat I had not experienced with a hint of sweetness to the dressing. The Mee Goreng was very flavorful and definitely had reminders of some Thai dishes I've had in the past.
What a wonderful excuse to try Malaysian cuisine and one I won't need in order to visit again. What have been your experiences with Malaysian cuisine and do you have a favorite dish?
Tomorrow wraps up my "eating through NYC" as we head back to Richmond early tomorrow with gardens to water, grass to cut, and food to prepare. Although I'm certainly not a restaurant critic or strive to be, I've enjoyed both Tuffet: cheese/meat/bar and LAUT as two new to me restaurants I will again visit!


This entry includes yeast Isy1 and it's homologues from plants and animals. In budding yeast, Isy1 is part of the NineTeen Complex (NTC), which is involved in spliceosome activation by specifying the interaction of U5 and U6 with pre-mRNA for their stable association with the spliceosome after U4 dissociation [PMID: 16540691]. The S. pombe homologue is known as Cwf12.
Chen CH, Kao DI, Chan SP, Kao TC, Lin JY, Cheng SC.
Functional links between the Prp19-associated complex, U4/U6 biogenesis, and spliceosome recycling.


text:
Camrose County ist einer der 63 "municipal district" in Alberta, Kanada. Der Verwaltungsbezirk liegt in der Region Zentral-Alberta und gehört zur "Census Division 10". Er hat seinen Verwaltungssitz in Camrose und wurde am 23. Dezember 1912 eingerichtet (incorporated als "Local Improvement District No. 427").

Der Verwaltungsbezirk ist für die kommunale Selbstverwaltung in den ländlichen Gebieten sowie den nicht rechtsfähigen Gemeinden, wie Dörfern und Weilern und ähnlichem, zuständig. Für die Verwaltung der Städte (City) und Kleinstädte (Town) in seinen Gebietsgrenzen ist er nicht zuständig.

Lage
Der "Municipal District" liegt im Zentrum in der kanadischen Provinz Alberta südlich von Edmonton

Der nördliche Teil des Bezirks, um den Miquelon Lake ist Pufferfläche ("Transition zone") des Biosphärenreservat Beaver Hills, einem fast 1600 km² großen Biosphärenreservat der UNESCO. Der am Miquelon Lake gelegene Miquelon Lake Provincial Park ist "Core zone" des Biosphärenreservates.

Bevölkerung

Gemeinden und Ortschaften
Folgende Gemeinden liegen innerhalb der Grenzen des Verwaltungsbezirks:
 Stadt (City): Camrose
 Kleinstadt (Town): Bashaw
 Dorf (Village): Bawlf, Bittern Lake, Edberg, Hay Lakes, Rosalind
 Weiler (Hamlet): Armena, Duhamel, Ferintosh, Kelsey, Kingman, Meeting Creek, New Norway, Ohaton, Pelican Point, Round Hill, Tillicum Beach

Außerdem bestehen noch weitere, noch kleinere Ansiedlungen wie beispielsweise Sommerdörfer.

Siehe auch
 Liste der Municipal Districts in Alberta
 Liste der Gemeinden in Alberta

Weblinks
 Municipal Boundary Map auf Alberta Municipal Affairs

Einzelnachweise

Politik (Alberta)
Geographie (Alberta)
Municipal District in Alberta
Gegründet 1912


text:
Didemnum jucundum är en sjöpungsart som beskrevs av Kott 200. Didemnum jucundum ingår i släktet Didemnum och familjen Didemnidae. Inga underarter finns listade i Catalogue of Life.

Källor

Sjöpungar
jucundum


My best guesses: It could be a center for scientific research. It could also just be there so that the country the building belongs to can lay claim to the island (it's much easier to do if you have someone or something on the island than if its just empty). This also means the country would own the much more important fishing waters around the island for exclusive use.
This is part of the highly contested Spratly Islands, so probably anyone who has a claim for the territory.
The single most brilliant being on this planet.


text:
Implementer: Médecins sans Frontières
Site: Republican Scientific and Practical Centre of Pulmonology and Tuberculosis, Minsk
Enrollment in the observational study is now complete.
The MDR-TB morbidity rates in Belarus are among the highest registered in the world. In 2016, 38% of all new cases were considered to have MDR-TB, as did 72% of previously treated cases (WHO Global TB Report 2017). According to the WHO review of the national TB program in Belarus, MDR-TB and XDR-TB should be considered a public health emergency in the country.
Belarus: 'My doctors told me – this is the only chance'


The recording of Wednesday's webinar, "Photoshop: What you need to know as a photographer" by Jared Hodges is now available to view at www.FamilyTreeWebinars.com for free for a limited time.
If you could not make it to the live event or just want to watch it again, the 1 hour 27 minute recording of "Photoshop: What you need to know as a photographer" is now available to view in our webinar library for free for a limited time. Or watch it at your convenience with an annual or monthly webinar membership.


Locating the fine line between being helpful and being a nuisance is critical to cultivating a healthy relationship between buyer and seller. Unlike in the past when the most annoying part of advertising was seeing or hearing a commercial too much, now it's reaching your potential buyer through too many outlets.
Just consider how many avenues a marketer can go to reach their audience. They can reach them via social media, their email inbox, their search engines, websites they frequent, text message, and now even their mobile apps, through push notifications.
Now this is where the fine line is truly tested. Because push notifications can either be an extremely helpful tool that can maximize conversions when used correctly, or a reminder to that app's users to never buy anything from that company again.
For those who don't know, push notifications are those little messages that pop up on your phone promoting something from an app. For example, I have an app that encourages me to write every day, so I set a reminder within the app to send at a certain time that pops up on my phone at that time.
But when used by a brand, it can be a promotional selling point. Those who opt-in to push notifications with your app can receive exclusive deals or sneak previews of products offered solely to the people who receive those notifications.
Success through personalizing push notifications is no different from social media or email marketing campaigns. Users are far more receptive to ads when it's directed to them, rather than a generic message that's blasted out to thousands of people connected through the same interests.
Your users aren't a monolith. They're all special in their own little way and want to be treated as such. We're here to make conversions and if that means coddling each and every individual to nurture them into following through, then do so.
Also consider the frequency and timing of your notifications. Once again, it's time to step into the shoes of your audience to understand their tendencies and behaviors. Consider local time zones and the time of the day.
Is your audience going to be interested in buying your product at 7AM when they first wake up, or at 7PM when they're unwinding from a day at work? Also, if you send a notification at 7PM to your eastern time zone audience, consider that your west coast audience receives it at 4PM, when they'll still likely be working. It's up to you to develop a method to stagger the timing of the deliveries to fully optimize your notifications.
There has to be value to your notification if you want people to stay interested. Make it engaging by including a product image, the product's name, the price info, and a CTA that are deeply linked with product views within your app.
What do you think of push notifications? Let us know on our Facebook or give us a call!


Next message: 7Pillars Partners: "[IWAR] IRELAND PM visits Bloody Sunday memorial"
Previous message: 7Pillars Partners: "[IWAR] CUBA Pope attacks communism"
on the New York Mercantile Exchange.
sector on the weaker oil outlook.
the result of foreign currency gains.
dropped to $9.7 billion from $11.2 billion.
$1.56 at $75.44 on the New York Stock Exchange.
Nowak, analyst at ABN-AMRO Chicago Corp.
fell to $40.5 billion from $42.7 billion.
our continued focus on international liquids production growth," he said.
production for 1998, the largest in the company's history.
cents. Sales totaled $12.0 billion, down from $12.8 billion.
prices would hit earnings in early 1998.
profits out of its refining and marketing divisions.
on first-quarter 1998 earnings," said Texaco Chief Executive Peter Bijur.
from $45.5 billion a year earlier.
Texaco stock fell $1.125 to $52.875 on the NYSE.
period a year ago of $10.11 billion.
on revenues of $36.11 billion.
chairman of the Chicago-based company.
Amoco's stock fell $2.44 to $80.125 on the NYSE.
or $2.31 per share. Sales fell to $15.6 billion from $16.2 billion.
quarter from $116 million a year earlier.
Marathon's stock fell $1.94 to $31.94 on the NYSE.


Coplay is also next to Northampton an North Catasauqua. These nice, small towns offer friendly suburban neighborhoods, where kids can play in the street, and you can get to know your neighbors. This is really what makes the Lehigh Valley such a great place to live.


text:
Home/News/Southeast Asia/South Korean band's motivational UN speech transcends race and gender identity
South Korean band's motivational UN speech transcends race and gender identity
ThaigerWednesday, September 26, 2018
by Yim Hyun-su (hyunsu@heraldcorp.com)
K-pop sensation BTS embraced self-love and encouraged young people around the world to "speak themselves" regardless of their origin, skin color and gender identity, in a speech at the UN General Assembly in New York yesterday.
Kim Nam-joon, better known as RM, said, "No matter who you are, where you are from, your skin color, your gender identity, just speak yourself," expressing support for sexual minorities.
The group's six-minute speech kicked off the launch of the UN's new youth initiative Generation Unlimited, a program designed to tackle the global education crisis and make education more accessible for young people.
BTS is the first South Korean act to address a UN session. During the speech, Kim reminisced about his happy childhood in the city of Ilsan, Gyeonggi Province, in South Korea before he began to worry about what other people would think and eventually "shut out" his own voice.
Porsche enthusiasts gather in Bangkok for Das Treffen
Monday's speech saw BTS become one of the few K-pop acts to express support for sexual minorities.
In contrast to how open many American pop singers are about their political views, K-pop acts are often careful about expressing their views when it comes to topics like gender identity.
South Korea's first lady Kim Jung-sook, who sat next to BTS during the event, said she was proud of the group and congratulated it for topping Billboard's albums chart.
The first lady also thanked the band for lending strength to young people who struggle with fears and worries about their future, through its music.
Meanwhile, fans took to Twitter with #BTSxUnitedNations.
"Words can't describe how proud I am to be a fan of such an amazing, well rounded, hard-working and inspiring group who are doing their best to make a world a better place," one Twitter user wrote.
Another user wrote, "People should start realising that BTS isn't your typical boy group, but more of a movement to the youth. They've been using their platform to speak on issues they believe in, including the hardships they've gone through as an idol and individually.
The UN's choice of BTS as a speaker was not a coincidence as the group has been advocating self-love for quite some time.
In November, BTS and its label launched the two-year anti-violence donation campaign "Love Myself" designed to help UNICEF's global campaign "#ENDviolence."
Two motorists died in Phuket road accident
TAT plan to boost tourism to secondary locations, and Thai Airways' bottomline
Thailand is the 61st happiest country in the world
Thai woman who claims she escaped organ harvesting sentenced to 6 months in prison
Singaporeans can still travel to most European VTL countries without being quarantined
Vietnam reports first day with no Covid-19 deaths in nearly one year
Amidst shortage, cooking oil 'mafias' form in Indonesia
US says Rohingya violence was 'genocide' as Asean envoy meets Myanmar junta leaders
Trump's appointed Ambassador to Cambodia misses shutdown deadline: Thaiger Bite
Myanmar ousted leader's prison sentence reduced to two years


text:
Q: iOS/Objective-C : Remove Array Item in UserDefault I have a problem with removing an item from an array which is saved in the user defaults.
Example:
I have a list in a table with 8 Names. When I select a row, it will be stored in the userdefault, because when I continue and go back it should stay selected. This works fine, but when I deselect the row, it should be removed from the UserDefaults. How can I do that?
I store the selected rows in this way:
 [selectedRow insertObject:[NSNumber numberWithInt:indexPath.row] atIndex:arrayIndex];
 [userDefaults setObject:selectedRow forKey:@"sight_selectedRow"];

The arrayIndex variable increments everytime when I select a row.
The Array has a capacity of 8.
I thought something like: when I press the 4th row, check the UserDefault array items, is there a 4? If so, delete this item. But I fail to delete THIS item.
Thanks :)
P.S. I use Xcode 5

A:    /* You should save array of selected row indexes to user default like this */
    // if first time, create arrSelectedRows array
NSMutableArray * arrSelectedRows = [NSMutableArray new];
    // is not first time, load array from userDefaults
arrSelectedRows = [userDefaults objectForKey:@"sight_selectedRow"];
    // when user selects row at indexPath
NSNumber * index = [NSNumber numberWithInt:indexPath.row]];
if (arrSelectedRows containsObject:index]) {
    [arrSelectedRows removeObject:index];
}
else {
    [arrSelectedRows addObject:[NSNumber numberWithInt:index]] ;
}
[userDefaults setObject:arrSelectedRows forKey:@"sight_selectedRow"];
[userDefaults synchronize];

A: try this, this works for me.
make BOOL property  isSelected for each cell
if isSelected == YES it's add item to NSUserDefaults, otherwise NO.
in your method tableView:didSelectRowAtIndexPath: type this
- (void)tableView:(UITableView *)tableView didSelectRowAtIndexPath:(NSIndexPath *)indexPath
{
//your code
isSelected = !(isSelected);
}

A: In place of insertObject, you can use removeIndex property of array for this.

A: I would suggest you always maintain an array of 8 objects and signal that a selection is invalid using -1.
Therefore when you first start, and there are no selections, the array is:
@[ @(-1), @(-1), @(-1), @(-1), @(-1), @(-1), @(-1), @(-1) ]

When updating the array, you replace (instead of inserting) the selection using:
[selectedRow replaceObjectAtIndex:arrayIndex
                       withObject:@(indexPath.row])];

and, of course, any single change to the array requires the entire array to be written to user defaults:
[userDefaults setObject:selectedRow
                 forKey:@"sight_selectedRow"];

(which you are already doing).
I think you will find this approach to be simpler in the long run as you don't need to worry about the array overflowing your limit of 8 selections.

A: Try this:
NSMutableArray *tempArray = (NSMutableArray*)[userDefaults objectForKey:@"sight_selectedRow"];;
[tempArray removeObject:unselectedRow];
[userDefaults setObject:tempArray forKey:@"sight_selectedRow"];

A: I don`t really understand the need to save this in a separate array if you already have your Array.Add a global int value that will keep the row of the chekedItem, at the begining  loop through the array or use if else statement or switch statement because you have just 8 items, and see if something is selected if not set chekedItem to 0 (first item in your array)...on didSelectRowAtIndexPath set the chekedItem = indexPath.row. When saving, save the item in array under the chekedItem index.
at the beginning:
  NSUserDefaults *userDefaults = [NSUserDefaults standardUserDefaults];
  NSString *unit = [userDefaults objectForKey:@"unit"];
  if ([unit isEqualToString:@"Celsius"])
  {
      checkedCellIndex = 0;
  }
  else
  {
    checkedCellIndex = 1;
  } // i have just 2 elements in my array

in the didSelectRowAtIndexPath:
    checkedCellIndex  = indexPath.row;
    [tableViewUnits reloadData];

on saving
 NSUserDefaults *userDefaults = [NSUserDefaults standardUserDefaults];
 switch (checkedCellIndex) {
    case 0:
        [userDefaults setObject:@"Celsius" forKey:@"unit"];
        break;
    case 1:
        [userDefaults setObject:@"Fahrenheit" forKey:@"unit"];
        break;

    default:
        break;


For both open and closed procedures, Dr. Jones will construct a more proportionally balanced and aesthetically pleasing nose by utilizing pieces of cartilage from the septum (the partition dividing the left and right airways of the nose) to fortify and augment the pre-existing nasal structures.
Following your rhinoplasty procedure, you can expect to experience some degree of post-operative bruising and swelling around your eyes and cheeks, which should dissipate within 7-21 days. Dr. Jones will place temporary nasal splints to support the nose and facilitate proper healing, and he will provide you with instructions as to the steps you can take to ensure a safe and successful recovery period.
At Muse Plastic Surgery, Dr. Jones focuses not on changing the core aesthetic components of his patients, but rather on using cosmetic enhancement procedures to help them become the absolute best that they can be. Dr. Jones stays up-to-date with the latest developments and technological advances in the field of cosmetic facial surgery, and he utilizes these cutting edge techniques to ensure naturally beautiful results and the safest possible rhinoplasty procedures for his patients.
Dr. Jones believes in the importance of having well-informed patients, and will take the time to explain all of your rhinoplasty options and procedural details so that you feel completely comfortable about your surgery. If you would like additional information about having your nasal reshaping procedure performed at Muse Plastic Surgery, please do not hesitate to contact our office today. We look forward to speaking with you, and to scheduling your initial consultation with Dr. Jones.


In this project, I will show image cropping of an employee phot when employee information saved and modified. Full crud operation applied in the application with image cropping.
Let's have a look on the implementation of the project.
File -> New project and select the project template Visual C# -> ASP.NET Web Application (.NET Framework) -> Console application (.NET Core).
Create model class "Employee" as follows.
Click Right button on Controller Folder->Add Controller. Now choose scaffolding template as MVC Controllers with views using Entity Framework and then Click Add.
Now select Model class as Employee and Data Context Class as ApplicationDbContext as follows. Then click OK.
Modify EmployeesController as follows. Here method ProcessImage(string croppedImage) is used to process and save image. An extra parameter added for Create and Edit action.
Add Image folders and sub folders (Deafult and Photo) as follows. Add blank photo in the Default folder to show blank photo for the employee.
Add Employee link in the nav bar of _Layout page as follows.
Now run the application. Click Employee link in the nav bar. You can View, add, modify and delete employee information. If you go to the create or edit page, you have an option to upload photo and have option to crop the image and then save the image with employee information. Yes! You are done. Let's cheers!
I am learning MVC. Just wondering, Shouldn't we need to use [NonAction] selector attribute in the ProcessImage method definition so that the method can't be initiated from url as action method ?
So, on Add Image button I am adding items dynamically. The Jcrop works only for the first image. Any help for fixing this problem?


Pc Expertise is a field of study that features administration of pc hardware, software program, programming, networking and knowledge constructs, and the appliance of those technologies in a enterprise or enterprise setting. In the event you geek out over devices, this might be the blog for you. Self-described nerd Nicholas Provenzano dives into the specs and uses of Arduino and Raspberry Pi kits. He also touches on mission-based mostly learning, makerspaces and extra.
In the late Nineteen Fifties, American Airlines pioneered using a pc reservation system, and in 1963 American put in its Semi-Automated Enterprise Surroundings, or SABRE. Different airways followed American's lead and developed their very own laptop reservation techniques.
Whereas KickStart has not talked something as technically challenging as computers, its business plan could be simply tailored to the introduction of computers in Africa. For instance, the Smart Cape Entry Venture has shown widespread success understanding the culture and environment of Cape City, but nonetheless is worried about sustainability and use by girls. Most notable, the mission needs to consider how entry to the Internet can provide revenue producing instruments to create new wealth and pursue a better upkeep plan. Additionally of importance is inclusion of girls and women' constructive impact within the roll out of technologies for the eventual introduction of computers to Africa.
A couple of weeks in the past I related with their teacher and confirmed the category how to create accounts on and allow them to borrow my Sphero after we did a demo lesson with the entire class. A week later I went again and labored with small teams on the Sphero. They were so engaged with Sphero we labored collectively and wrote a Donors Choose grant so they may get their very own.
E Tech Knol Blogspot. Information know-how professionals spend time every day speaking orally and in writing with their supervisors, colleagues and shoppers. As problem-solvers and entrepreneurs in industry, you need to talk rapidly, clearly, and successfully. This course will train you the right way to be a professional and efficient communicator at work. You will write effective business correspondence and directions and deliver a proper oral presentation to your set. The first term establishes the ideas and fundamental patterns on which you'll construct extra advanced functions within the second term.
My weblog will share creative ideas to lift requirements throughout the curriculum using expertise. Mr P provides inset, keynotes and coaching to colleges internationally in search of revolutionary ideas to interact, encourage and remodel studying. Coaching is delivered by a real instructor with actual ideas for utilizing tech to reinforce studying throughout the curriculum. For more information please email @.
It is a momentary homepage we created to show that your non permanent URL is working properly. You MUST delete this web page before or after you upload your personal webpage. The file name of this page is "" and it is situated in your web site root folder.
With out which means to, chances are you'll click a link that installs malware in your pc. To maintain your computer safe, only click on links and downloads from sites that you belief. Don't open any unknown file sorts, or download packages from pop-ups that seem in your browser.


text:
/**
 * @file otf转bse64字体
 * @author mengke01(kekee000@gmail.com)
 */

import bytes2base64 from './util/bytes2base64';

/**
 * ttf 二进制转base64编码
 *
 * @param {Array} arrayBuffer ArrayBuffer对象
 * @return {string} base64编码
 */
export default function ttf2base64(arrayBuffer) {
    return 'data:font/otf;charset=utf-8;base64,' + bytes2base64(arrayBuffer);
}


Jan 13, 2016. One of them is the TD First Class Travel Visa Infinite. Membership discount; Auto Rental Collision/ Loss Damage Insurance; Avis Rent-A-Car.
Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aero Platinum Visa Card and present your Aeroplan Card.
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You are eligible for Scotia Momentum VISA Infinite Rental Car Collision/Loss Damage (CLD) Insurance coverage when You rent most private passenger.
Read and share reviews for TD Aeroplan VISA Infinite Card. The largest consumer. Card has good benefits (insurance coverage (car, travel, etc.)), and a great.
Infinite Privilege: Airport Angel membership + 6 free visits + Four (4) annual Maple Leaf Lounge One-Time Guest Passes when travelling on an Aeroplan.
Best Travel Credit Cards in Canada 2018 -. – The best travel credit cards in Canada are some of the most attractive credit cards you can get your hands on. With lucrative rewards to jet-set worry-free across the globe, comprehensive travel insurance and premium rare perks ‒.
Dec 28, 2017. TD Aeroplan Visa Infinite Card. The RBC Avion Visa Infinite Card. Credit Card Travel Insurance In Canada – Car Rental Coverage.
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When you reserve and pay in full your auto rental with your Visa Infinite and decline. Your auto rental insurance will protect the rented vehicle against damages.


text:
'use strict';

const spawnOg = require('child_process').spawn;
const which = require('which');
const fae = require('./find-actual-executable');

const d = require('debug')('xvfb-maybe');

function spawn(exe, params, opts) {
  opts = opts || null;

  let fullExe = fae.runDownPath(exe);
  let info = fae.findActualExecutable(fullExe, params);

  return new Promise((resolve, reject) => {
    let proc = null;

    d(`Spawning ${info.cmd} ${info.args.join(' ')}`);
    if (!opts) {
      proc = spawnOg(info.cmd, info.args);
    } else {
      proc = spawnOg(info.cmd, info.args, opts);
    }

    if (!proc) {
      reject(new Error("Failed to spawn process"));
      return;
    }

    // We need to wait until all three events have happened:
    // * stdout's pipe is closed
    // * stderr's pipe is closed
    // * We've got an exit code
    let rejected = false;
    let refCount = 3;
    let release = () => {
      if (--refCount <= 0 && !rejected) resolve(stdout);
    };

    let stdout = '';
    let bufHandler = (b) => {
      stdout += b.toString();
    };

    if (proc.stdout) {
      proc.stdout.on('data', bufHandler);
      proc.stdout.once('close', release);
    } else {
      release();
    }

    if (proc.stderr) {
      proc.stderr.on('data', bufHandler);
      proc.stderr.once('close', release);
    } else {
      release();
    }

    proc.on('error', (e) => reject(e));

    proc.on('close', (code) => {
      if (code === 0) {
        release();
      } else {
        rejected = true;
        reject(new Error(`Failed with exit code: ${code}\nOutput:\n${stdout}`));
      }
    });
  });
}

function showHelp() {
  console.log("Usage: xvfb-maybe command args...\n");
  console.log("Runs the given command under xvfb-run under Linux if DISPLAY isn't set\n");
}

function main(args) {
  if (args.length < 1) {
    showHelp();
    process.exit(-1);

    return Promise.resolve(true);
  }

  const dblDashPos = args.indexOf('--'),
    xvfbArgs = dblDashPos === -1 ? [] : args.splice(0, dblDashPos),
    exeCmd = args[dblDashPos === -1 ? 0 : 1],
    exeArgs = args.splice(dblDashPos === -1 ? 1 : 2);

  if (process.platform === 'win32' || process.platform === 'darwin') {
    d("Platform doesn't match, leaving");
    return spawn(exeCmd, exeArgs, {cwd: undefined, env: process.env, stdio: 'inherit'});
  }

  if (process.env.DISPLAY) {
    d("DISPLAY is set, using local X Server");
    return spawn(exeCmd, exeArgs, {cwd: undefined, env: process.env, stdio: 'inherit'});
  }

  let xvfbRun = null;
  try {
    xvfbRun = which.sync('xvfb-run');
  } catch (e) {
    return Promise.reject(new Error("Failed to find xvfb-run in PATH. Use your distro's package manager to install it."));
  }

  return spawn(xvfbRun, [].concat(xvfbArgs, [exeCmd], exeArgs), {cwd: undefined, env: process.env, stdio: 'inherit'});
}

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Z3 Project Presents: Rachel Azaria
By	The Z3 Project	 December 1, 2021 1:01 pm
Rachel Azaria (Z3 Project)
This series is sponsored by the Z3 2021 Futures Workshop. Featuring lively debates on future Diaspora-Israel relations with Natan Sharansky, Rachel Azaria, Bethamie Horowitz, Bret Stephens and many more. Join Sunday December 5th 2021, online or in person, at the Oshman Family JCC of Palo Alto, CA.
More from Z3 2021 Futures Workshop
Rachel Azaria literally wrote the book on social change in Israel. Her Guide to the Revolution is about how to successfully launch a campaign or protest movement and keep it focused on actual results. She knows what she's talking about as she has led campaigns for the environment and women's rights. Azaria has also served as deputy mayor of Jerusalem and was a member of Knesset.
While she is left of center in Israeli politics, she works under a completely different set of assumptions than progressives in the Diaspora, who often have to deal with colleagues who demonize Israel from the left. In fact, many progressive Jews are being chased out of activist spaces in the United States over their support for Israel. It is more difficult for a Jew to be active on behalf of the environment or women's rights in the United States because anti-Israel bias always seeps into the conversation.
Z3 talked to Azaria about some of these differences; how to bridge them; and her beloved Jerusalem, as both a symbol for world religions and as a place where real people live.
This interview has been condensed and edited for clarity.
American Jews are well-known for taking up social justice causes. But sometimes, they feel alienated because many of those causes become anti-Israel. How can people in the diaspora rally for social change without it devolving into something ugly or about questioning Israel's existence?
I think Israelis have a hard time understanding that kind of question. Because to us, one has nothing to do with the other. I mean, when we're talking about the environment, we're talking about the environment. And I'm the chairwoman of the umbrella organization of 136 environmental organizations in Israel. Some people try to put these issues together. From the left wing, they say that the occupied territories are a part of environmental justice. And then also, from the right wing, there are people that say there are other nations around us that are trying to pollute us. I think in Israel, people just don't have that kind of perspective.
Maybe that's one of the big differences between the left in Israel and the left in the United States, where these things are lumped together. It's a source of frustration among many left-leaning Jews.
There's a word for it in English, intersectionality. The way I perceive it is that if it helps the campaign, it's always good to create coalitions and solidarity and bring different campaigns in, but it can't be a way to exclude a campaign. As I preach in my book, I say don't get into ideological arguments; we have to focus on the goal. And I think that's what happened for many years in American. Like Martin Luther King—people had joined him even if they didn't think exactly like he thought. He was welcoming solidarity groups, even if they didn't think exactly like he did, or even if, in other issues, they had a different perspective. And I think that is, that's very important if you want to accomplish anything in your campaign for social change.
Can you give an example of a successful social protest movement in Israel?
The environmental movement in Israel is very successful. Once, you were allowed to build 100 meters from the beach; that's illegal already in Israel. There was a very big campaign with climate change. We're working toward a climate bill in Israel. As far as women's rights, we have very good legislation in Israel due to campaigns by the feminist movement in Israel. Also, women in the Israeli army—you know, 20 years ago, most positions were locked down for women. I led part of the changes when I was a member of Knesset—a huge campaign for the rights of parents of young babies. Netanyahu left for different reasons, but if you look at Israeli history, we had two prime ministers that left because of social protest.
The social protest movements that you've been leading—they don't get a lot of press in the United States. Americans, in general, really don't know too much about the left wing in Israel. The stereotype in the United States is that Israel is a right wing country.
Women of the Wall is something that I think people hear about in America. What I discovered is that no one really hears about it when you win. When you're successful, everyone forgets about it. But as it's going on, people remember it. We had a big campaign against segregation of women from the public sphere, when women had to sit in the back of the bus, or you couldn't have posters of women in Jerusalem. That was a big campaign that I was one of the main leaders of. And we're successful. You know, it's illegal today to tell women where to sit on the bus or to have separate streets or separate stores or separate everything that we used to have. So I don't know, I don't know, to explain to you this difference in what actually happens in Israel and the way it's being described.
In the American Jewish community, Tikkun Olam is a huge issue, at least it is in the liberal or progressive American Jewish community. One of the members of the group that we're working together with said, it's about the lesson that you learn from the Holocaust—not to be evicted or not to victimize. But I think that we tend to see it as very black and white. The American Jewish community learns not to victimize, and the Israeli Jewish community, we talked about not being a victim. But I think there are many more people that know both.
We're a young country. So we have quite a few challenges. I think the fact that we could overcome so many of them is because that a lot of people feel very dedicated to this country and to thinking, "How do we make the country better? How do we make the world better?"
Let's talk a little bit about Jerusalem. To the Diaspora, Jerusalem is not only a city, but it's also a symbol. It's a symbol for three major religions. As someone who's involved in the day-to-day governing of the actual city, how do you think Jews around the world should think about Jerusalem?
First of all, Jerusalem is just a beautiful city. We have great weather. It's just a very exciting, vibrant city. Also, Tel Aviv is very exciting and vibrant, but we're so holy. I think that we have a responsibility in that Jerusalem is not only the capital of Israel but also a city that's open for all religions, and specifically, Jewish communities around the world will feel very comfortable in the city.
Unfortunately, it makes the news in negative ways, too. For example, yesterday's terrorist attack. Is that a true picture of what Jerusalem is day to day? Or is that an anomaly?
Jerusalem is a huge city in Israeli terms. We have almost a million residents. But Israel is a small country, so anything that happens here happens to everyone. So the terror attack that we had in Jerusalem just a couple of days ago, it was heartbreaking. I was reading something about how Jerusalem is on fire, but I went out to take my dog on a walk. I think it's always important to remember that there are specific areas that are more challenging, but everyone here lives their everyday lives. It's very tragic when we have to deal with waves of terror. We hate it. We truly hate it. But sometimes we have to deal with it. But at the same time, we just have our everyday lives like everyone else.
Which part of your career are you focusing on next?
I'm working on issues that have to do with Judaism and democracy. And that's one of the reasons that we started the Z3 conversation—because, in Israel, democracy is perceived as external to Judaism. The American Jewish community perceives democracy as something that's much more internal to Judaism. And this is interesting to see how the two different groups relate to this relationship between Judaism and democracy. I don't believe that Judaism and democracy can be in conflict. I think that we need to rethink these ideas in a different way. So, so that's what I'm working on now.