Volunteer Idaho is an electronic database of healthcare and non-healthcare persons interested in volunteering in a health-related capacity for emergencies or disasters (e.g., an earthquake, severe weather event, or public health emergency). Volunteers of all skill levels and backgrounds are needed during an emergency response. We invite you to register in Volunteer Idaho, whether you are a licensed and certified healthcare provider, an administrative specialist, a retired professional, or an individual with an interest in helping your community in a health-related capacity to a disaster. During the online registration process, you will be asked to enter contact information, active licenses or certifications, and other relevant background data. In the registration process, you will be provided an opportunity to indicate at what geographic level (i.e., local, state, national) you would consider volunteering. Registration in the system does not commit you to volunteering for an event. Once you've registered, your credentials will be validated. All information collected in this database will be confidential and considered private (non-public), security information under Idaho Code 9-340(B). The information will only be accessible to the Idaho Department of Health and Welfare, your District Health Department, and their federal, state, regional or local partners in planning, investigating, and controlling a public health emergency. Your information will only be viewed by authorized system managers. If you have already completed the registration process or wish to return to a registration which you've started but not completed, you can log in and update your profile. Upon completion of your registration, you will be contacted by either the Idaho Department of Health and Welfare or your local District Health Department. If you have questions related to this site, please e-mail kmonson@phd2.idaho.gov or call 208-799-0393. Thank you for your interest in volunteering!


Any SULK like applications around?
Hi guys, I've been aimlessly searching around for a Single Use License Key application that is compatible with IPB 4.2, but to no avail. Is there anyone out that that would be able to point me in the right direction? It would be very much appreciated. Thank you in advance :).


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7 Ways a "True Financial Planner" Provides Value
Understanding the Economy
What should you do with your old 401(k)?
Charles Schwab Login
TD Ameritrade Login
Investment Account Overview
What is ESG & SRI Investing?: Using Your Money for Good4 min read
July 25, 2020 /in Investment Management /by Paul Henderson, CFP
While responsible investing itself dates back thousands of years (think of religious texts that deal with matters of money and interest) the roots for what we term "Socially Responsible Investing" in the US formed in the 1960s. It took forty years for those roots to blossom into what could be termed an industry, but the growth was undeniable. By 2017, according to the Forum for Sustainable and Responsible Investment, more than one out of every four dollars under professional management in the U.S. (more than $12 trillion) was invested with sustainable investing strategies. By 2020 the options available to investors ensure that almost all can find a solution that caters to their particular needs.
A caution: none of the terms above are strictly governed. It is always a good idea to dig a little deeper when faced with a possible investment solution to ensure that the investment aligns with your values and will function as you expect. We are going to focus on defining the two terms most prevalent in the investment world, Socially Responsible Investing (SRI) and Environmental, Social, and Governance (ESG) investing, but know that there are other strategies out there and that even ESG and SRI are sometimes used interchangeably.
At its core, SRI takes a binary approach to investing: Stocks are either allowed or not allowed in a portfolio based on the values of the investor. Investment performance is a secondary consideration. Called negative-screening, this approach eliminates an investor's exposure to certain types of stocks. For example, a common screen is to avoid "vice" companies such as those who sell tobacco, guns, or alcohol. Negative screens can also be applied to issues. You can find screens for avoiding large polluters, certain industries such as oil or private prisons, or companies doing business in a boycotted country. Relative to ESG investing, SRI is a strict approach that allows no excuses.
Unlike SRI, ESG investors are focused on investment performance. It is the primary goal. However, ESG investors argue that future performance is closely related to a given company's environmental, social, and governance practices. Therefore, instead of screening out all companies in a certain sector, ESG investors can review the sector to find what they deem to be the best investment opportunity. This is often called positive-screening. For example, an ESG fund could include an oil company that spends a significant amount of time and money on clean energy projects and research, or a company with a more diverse board of directors than its competitors. ESG investors argue that encouraging companies to clean up their activities (as shareholders) is good for the company long-term, good for external stakeholders, and ultimately best for the investor. ESG investors essentially argue that the world is more gray than the black and white of an SRI viewpoint.
Do they work?
For years, professional investors joked that so-called "responsible investing" was simply a good way to guarantee poor returns. Sure, the reasoning went, you might feel good about how your money was invested, but you were not going to feel good about how that money grew. SRI supporters, however, would retort that even if true this "cost" was worth sticking to their values.
That joke is not aging well. In a 2019 study, Morgan Stanley found no trade-off in financial performance between the two investment approaches between 2004 and 2018. Not content with equal performance, and buoyed by slight outperformance starting around 2017 (see the chart: Median Total Returns of Sustainable and Traditional Funds) some investors are now claiming that selecting investments based on their ESG practices might actually lead to outperformance, or at the least less downside potential.
For example, following the first quarter, virus-related, sell-off of 2020, Jon Hale, Ph.D., CFA of Morningstar found that "24 of 26 environmental, social, and governance-tilted index funds outperformed their closest conventional counterparts." Skeptics pointed out that ESG focused index funds were less impacted by the energy industry's implosion, but a research report by investment manager BlackRock indicated that it was actually a range of characteristics such as employee job satisfaction, the strength of customer relations, and the effectiveness of a company's board that drove the outperformance for ESG minded companies.
BlackRock also noted the emergence of a strong consumer preference towards sustainability-focused investments. In BlackRock's summation, sustainable strategies no longer require a return tradeoff and can offer better risk-adjusted returns.
Sure to be an ongoing debate similar to active versus passive investing (hiring a mutual fund manager to pick stocks for you vs. investing in a low-cost index fund), it is our opinion that it is too soon to tell definitively if ESG investing has pushed the debate in favor of responsible investing vs. traditional investing. However, the investing world has certainly made note of the gains made by ESG focused firms and changes are underway as companies begin offering more information on their ESG related corporate practices to investors.
More than ever, investors are able to find an investment solution that caters exactly to their needs. Those who want to actively screen out certain industries are able to do so, those who want to set a baseline of corporate responsibility but not eliminate entire sectors can do so as well.
We believe that your money should align with your values. Whether or not that means you use SRI, ESG, or conventional investments will ultimately depend on how you want to make that happen. While some might want to eliminate all investments in a specific industry, others will prefer focusing their investments on the best actors in each industry, while still others will invest their money conventionally and make donations to groups that they want to support. And for those wondering, no, the options do not end there (e.g. Impact investing, a topic for another day).
Most importantly, how you invest (or donate) needs to fit your financial plan. Investments are a tool for you to achieve your goals and just one part of a comprehensive plan. We work with our clients to make sure that how they are invested is aligned with their life goals as well as their life values. If you are uncertain whether this is currently the case for you, we are happy to jump on a call and help you find the answer.
Schedule a Complimentary Consultation
1. Schueth, Socially Responsible Investing in the United States.
2. Forum for Sustainable and Responsible Investment
3. Morgan Stanley: Sustainable Reality
4. Sustainable Funds Weather the First Quarter Better Than Conventional Funds
5. BlackRock: Sustainable Investing: Resilience amid Uncertainty
https://onedayadvice.com/wp-content/uploads/2020/07/Socially-Responsible-Investing.png 315 560 Paul Henderson, CFP http://onedayadvice.com/wp-content/uploads/2018/09/oneday_logomiddle_transparent.png Paul Henderson, CFP2020-07-25 19:50:162020-07-27 08:48:04What is ESG & SRI Investing?: Using Your Money for Good
Year-End Planning: Our 2020 Checklist
Growth vs. Value becomes Tech vs. Everything
What is a Roth?: The Ins and Outs, and Who it Makes Sense For
What is ESG & SRI Investing?: Using Your Money for Good
How to Get Financially Fit
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redpajama_set_name: RedPajamaCommonCrawl


Москва, американские сигареты в москве.
At face-to-face blow of average or big force when there is a danger of receiving a trauma the driver and/or the forward passenger, the prednatyazhitel instantly involves a seat belt, increasing efficiency of its action. This system works, when the ignition key is in the situation "ON" or "START".
Any works on installation of audio of equipment or any works in close proximity to the mechanism of a prednapryazhitel and the central console should be carried out only at service stations of official dealers of MITSUBISHI. Independent performance of such works can lead to violation of work of system of a preliminary tension of seat belts.
Prednatyazhiteli of seat belts work at any strong face-to-face blow even if a seat belt will not fasten.
By Prednatyazhiteli of belts безопас to Nosta are developed for single use. After prednatyazhitel of seat belts worked, it is necessary to replace them immediately at the official dealer of MITSUBISHI.
The control lamp of system of safety of SRS signals also about a condition of seat belts with a prednatyazhitel.
Given the system should be checked at the official dealer of MITSUBISHI in 10 years from a car date of issue.
At collision the limiter effectively absorbs a part of the effort which is transferring to a seat belt to minimize influence of blow of not fastened passenger.


Islamic Mantra for Love Marriage in Urdu is meant to accomplish for searching for God's assist earlier than starting a brand new activity. In Muslims, Islamic Mantra could also be carried out ahead of marriage. Since marriage is an excessively big choice in a single's existence as one need to catch anyone's accountability for a lifetime as a matter of fact it might be just right to seek some help from God to steer him or her to prefer a decision of getting a wedding or not. Every massive decision in lifestyles or even in marriage will have to be taken most effective after appearing Islamic Mantra as a result of God can provide the better means if he feels that your determination is not gratifying him.
Two necessary choices to your life i.e. Marriage and divorce wishes lot of consulting ahead of taking a call. Because mammal married as well as anyone means that you have to exercise all of your life with one you've got chosen not to mention your existence spouse together with you're ready but also prefer your life's spouse duty for lifetime. In financial case, in case your marriage is unsuccessful or there are some tensions are going among you as a matter of fact your lifestyles partner which is resulting in divorce then it would be no longer a good idea but also originate an immediate resolution as well as gather at odds out of your partner as you will have to supply your marriage an any other chance not only execute things paintings correctly.
We deliver Islamic Mantra for Love Marriage in Quran method. Love marriage is that this illustration of completely satisfied life simply because if you're feeling choose as well as take to pieces your matrimonial lifestyles with joyfully from likewise on adore marriage is bigger lately this second. The Love marriage amplifies this wishes of living a satisfying life as a result of we keep enliven joyful together with your worship affiliate this is why peoples set aside adore courting.


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7 Disturbing Findings About 401(k)s, IRAs
A new study from Boston College's Center for Retirement Research takes a look at savers' financial health. It's not pretty.
By Marlene Y. Satter | November 07, 2017 at 05:29 AM
Moving from defined benefit pension plans to defined contribution plans has not done the average U.S. worker any favors.
In fact, it's made retirement more of a gamble—will there be enough money, or for that matter, any money, available when the time comes to leave the job behind?
A new study from the Center for Retirement Research at Boston College takes a look at how 401(k)s and the IRAs that mostly serve as rollover homes for 401(k) funds affect workers' retirement health.
But while there are bright spots, the news overall isn't good—and it's news that's made headlines before: Workers don't have enough saved to see them through retirement, despite improvements in the construction of the savings vehicles they're using.
Data from the Federal Reserve's 2016 Survey of Consumer Finances, which provides information not only on 401(k) balances, but also on household holdings in IRAs, the report says, provide "a great opportunity to see how a strengthening economy, the continued maturation of the 401(k) system and steady stock market returns have affected workers' retirement wealth."
Here are seven of the findings researchers dug out of the data:
7. A (very) little good news.
We did mention bright spots, and those are the increases in the use of target-date funds and in participation rates.
But the increases haven't been large enough to move the needle very far toward better retirement security.
6. Low or no balances.
Only about half of households, the report says, have 401(k) and/or IRA balances—and with the dwindling number of DB plans available from employers, the rest of American workers will be relying on Social Security alone. That's not a pretty picture.
And for households approaching retirement, the SCF indicates that balances are far from what they need to be, having only increased from $111,000 in 2013 to $135,000 in 2016. That won't keep people in any sort of adequate living conditions for very long during retirement.
But the amount households have in savings is vastly dependent on their income—as are any increases in savings levels. Balances for the highest quintile, the report says, were $780,000 in 2016, and that was a "dramatic" increase from $452,000 in 2013. In addition, the share of high-income households with 401(k) balances hit 70%.
But for the lowest quintile, balances were only $26,700—and only 25% of households had a 401(k). "Retirement accounts appear to serve as a meaningful source of saving only for the upper three quintiles," the report says, although it adds, "Even there, however, a significant percentage of households have no 401(k) balances."
5. Inadequate income yield.
While IRAs are functioning mostly as a parking spot for money that workers have saved in 401(k) plans, rather than as an augmentation to 401(k) savings, IRA assets, the report says, exceed those in 401(k)s by 40%: $8.2 trillion compared to $5.8 trillion.
But that doesn't mean that most workers know what to do with that money, or how to turn it into income when they retire.
In fact, says the report, "The typical household approaching retirement had $135,000 in combined 401(k)/IRA assets. These assets will provide $600 per month in retirement, an amount whose purchasing power will decline over time with inflation."
4. Drains on savings.
High fees and leakage take their toll on balances—as do poor investment decisions.
While target-date funds have helped with the latter, the two former still cut balances and cost employees potential retirement funds—and many target-date funds aren't innocent when it comes to high fees either.
The study points out, "An expense ratio of 1%—100 basis points—over a 40-year work life will reduce assets at retirement by almost 20%. And despite a decline over time, expense ratios on mutual funds—the primary investment vehicle in 401(k) plans—remain high. Based on how people actually invest, the expense ratio in 2016 was 63 basis points for equity funds, 51 basis points for bond funds and for target date funds, and 18 basis points for money market funds."
A Washington Post report says that the current retirement system's transition to 401(k)s and IRAs has been "a gold mine for Wall Street. Brokerages and insurance companies that manage retirement accounts earned roughly $33 billion in fees last year…."
On leakage, the study cites another study that examined leakages from 401(k)s and IRAs put the figure at 1.5%. But studies using tax data, it adds, "suggest an even higher leakage rate … leakages from cashouts at the time of job change remain the most serious problem."
3. Workers unequal to the challenge.
The study points out that when 401(k)s first came on the scene, they were only supplements to employer-funded pension and profit-sharing plans.
Says the study, "Since 401(k) participants were presumed to have their basic retirement income needs covered, they were given substantial discretion over their 401(k) choices, including whether to participate, how much to contribute, how to invest, and when and in what form to withdraw the funds."
But workers aren't up to those challenges, since many are either ignorant about investing or lack the confidence or educational opportunities to plunge in and learn more.
The Government Accountability Office convened a panel of 15 experts last year to explore potential policy options on retirement, and to discuss the successes and failures of incumbent policies.
Some of the panel's discussion became a part of the final report, and that picture is pretty bleak too.
From the report: "The shift of risk that we have put on the individual worker in the United States retirement system is a mess. It's the investment risk, it's the longevity risk, the health risk, the long-term care risk … ultimately we've put so much risk on individuals who don't really have the tools. And the tools that are out there to help them cost a lot of money."
2. 401(k)s/IRAs benefit the wealthy more than the average worker.
While lower- and middle-class workers are not making a whole lot of progress under the current system, the wealthy certainly are.
In its report about the realities of old age in America, the WP quoted Teresa Ghilarducci, a labor economist who specializes in retirement security, saying, "There is no part of the country where the majority of middle-class older workers have adequate retirement savings to maintain their standard of living in their retirement. People are coming into retirement with a lot more anxiety and a lot less buying power."
But another segment of the population is doing a lot better, with enough assets that the two recessions that destroyed most people's retirement accounts haven't harmed them enough to notice.
Says the report,"[R]ich older people are doing better than ever. Among people older than 65, the wealthiest 20% own virtually all of the nation's $25 trillion in retirement accounts, according to the Economic Policy Institute.
1. Auto features need to be improved.
Auto-enrollment and auto-escalation both need to be improved, the report says, and while auto-enrollment has helped boost numbers in companies where auto-enrollment is employed, participation rates have fallen in companies that don't use auto-enrollment. So that's taken a toll on the overall participation rates.
But auto-enrollment often brings employees in at a contribution rate that could—and should—be higher, lest they don't save enough.
Ditto auto-escalation, which is often the only way that many workers increase their contributions.
The set-it-and-forget-it mentality can mean that if employees are launched into a plan with a low contribution rate and don't have auto-escalation, they may never increase that rate; even if they do, they're starting from a lower contribution point and lose ground over time.
Even if they do have auto-escalation, it's generally set too low and also costs employees opportunities over time to set the rate even higher and save more.
— Related on ThinkAdvisor:
5 Things Late Retirement Savers Can Do Right Now
9 Reasons Retirement May Go Extinct
18 Reasons Americans Are Afraid to Retire
Best & Worst BDs for Advisors: J.D. Power — 2019
Janet Levaux | July 09, 2019
Average advisor satisfaction scores rose, but firms have plenty of room for improvement on the tech front.
Problems When This Old House Becomes Your Client's Home
Fran O'Brien | June 27, 2019
Keeping up with client needs may mean knowing their plans beyond financial advice.
Is Edelman Financial Engines' New Offering a Threat to Rollovers?
Nick Thornton | July 12, 2019
The firm's new Fiduciary Distribution Review is the first building block in its bid to disrupt trillions in flows to IRAs.


This TSI S3 FMIC Hose Kit allows for an easy, bolt on installation of the AWE Tuning 2.0T S3 Front Mount Intercooler.
There is no guesswork with the AWE Tuning TSI S3 FMIC Hose Kit. No hacking, no mess, just simple bolt on simplicity.
The AWE Tuning TSI S3 FMIC Hoses were designed with longevity and performance in mind - constructed of high quality 4-ply Nomex lined silicone hoses. Superior strength, superior heat resistance.
Note: For the smoothest possible flow transition, the ideal combination is a combination of the AWE Tuning TSI S3 FMIC Hose Kit along with the AWE Tuning TSI Turbo Outlet Pipe. The combination of these two simple yet effective upgrades creates increased air volume and improved turbo response while delivering an even smoother pathway for air by eliminating the factory-style coupler.


We rely on technology to wake us up, entertain us, do work and well exist really. But when it fails, a series of complex emotions take over - tech rage becomes a real threat.
We documented the 10 feelings we all experience when technology fails.
1. I am a genius- I can fix this!
You're like, people move out of the way I got this. You sit down, pound the keys, hit buttons and expect immediate results... Everyone is waiting and nothing...... SILENCE decends.
Someone suggests turning it on and off. You're seething with shame and anger. You appeal to thier logic, 'the flangie is needs to be eevaporated'.
Definant, you search forums to see if this has happened to anyone else? All of a sudden your so deep into a thread that nothing makes sense anymore. What is life?
4. What is this sorcery?
You decide that technology is the devil and yearn for a simpler time.
5. You talk a big game.
You use very complicated words to confuse people into thinking your fixing it to buy some time.
There is no shame in crying and banging your head on the desk. Wait there is all the shame. Don't Look at me.
After a few personal moments, you decide to have some power coffee, biscuits, and whatever you can get you grubbie hands. Gimmie all the sugar power.
The suagr kicks in and you're flying it. You shall fix this, you sit in a sugar meditation, some call it a comma, but really if you ride the wave, some divine inspiration comes......You see it in a vision.
The answer has been there all along. The limit does not exist.
Triumph is here, you let the magic happen. On and Off, it is. As the system reboots, you wait with glee. Someone points out they suggested the old on and off tip. You're like 'but I pushed the botton on and off..soooo'.


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Goldman Sachs- Not just another Conspiracy Theory
Money Morning has an excellent article up on the shenanigans (crimes) between Goldman and AIG.
Warning: This is Not Another Wall Street Conspiracy Theory, These are the Facts
Just last week, the House Committee on Oversight and Government Reform held a hearing on the U.S. Federal Reserve's decision to directly pay billions of dollars to banks as part of its scheme to bail out insurance giant American International Group Inc.
According to committee Chairman, D-Ohio, the testimony that congressmen heard just didn't "pass the smell test."
A Conspiracy Theory You Can't Laugh Off
The same day that AIG received the $85 billion taxpayer infusion back in September 2008, Goldman Sachs Chief Financial Officer David A.Viniar said he "would expect the direct input of our credit exposure to both of them [referring also to bankrupt Lehman Brothers Holdings (OTC: LEHMQ)] to be immaterial."
Goldman officials had been telling every analyst or journalist who would listen that the investment bank was hedged against any counterparty risk. But what Goldman officials weren't saying at the time was that the company was also hedged against AIG going bust. How? The company had purchased credit-default-swap insurance on AIG's demise.
We know that is true because Stephen Friedman - the former Goldman CEO and onetime New York Fed chairman who was called to testify at the hearing - said so.
Attached to Friedman's "Factors Affecting Effects to Limit Payments to AIG Counterparties: Prepared Testimony of Stephen Freidman Jan. 27, 2010," was a "Chronology of Selected Events and Disclosures."
That chronology included a reference to an Oct. 31, 2008 Wall Street Journal article that Friedman specifically chose to illustrate that it was common knowledge that Goldman was not in need of any government assistance, and wouldn't be in any danger if AIG were to fail. This Journal excerpt included by Friedman contained the statement: "Goldman hedged its exposure by making a bearish bet on AIG, buying credit-default swaps on AIG's own debt, according to one person knowledgeable about this move."
Friedman was called to testify for one very key reason: At the time of the payments to the counterparties, he was chairman of the board of the New York Fed, which authorized those payments. But that's not all. As a member of the board of directors and a former CEO of Goldman Sachs, Friedman would no doubt have had an excellent idea of the investment bank's exposure to AIG - as well as what it stood to gain from those payments.
Freidman subsequently resigned from his post at the New York Fed on May 7, 2009, in response to criticism of his December 2008 purchase of $3 million of Goldman stock, which added to his substantial holdings - a purchase made only after he had ushered through Goldman's approval to become a bank-holding company, enabling the firm to feed at the Fed's generous liquidity trough.
Friedman continues to serve on Goldman's board. But that's another story.
This whole affair raises scores of questions. Last week's hearing before Congress drove that point home. In fact, as I watched the testimony, I realized that our elected representatives didn't even know the correct questions to ask. That's why it's time to write your congressmen and tell them to ask:
Why didn't the Treasury Department make the required margin calls - if they were needed - and stand to get collateral back if the insured CDOs rose in value?
Why did the New York Fed buy paper at 50 cents on the dollar and pay banks 100 cents, when they had no idea what the intrinsic value of those securities was at the time?
Who really leaned on the New York Fed to not disclose who got our taxpayer money?
What did Stephen Friedman know about the payments to Goldman?
What records exist of correspondence between Friedman and Timothy Geithner, who was then president of the New York Fed?
What records exist of correspondence between Friedman and Henry M. Paulson, Geithner's predecessor as Treasury secretary and a former Goldman CEO himself.
If Goldman was really hedged as Friedman appeared to claim, then why did taxpayers pay the investment bank 100 cents on the dollar?
Did Goldman (and others) drive down the value of securities to collect cash, demand to be made whole and at the same time buy credit-default-swap insurance on AIG, which they were helping to sink?
Can we see the trade blotters of Goldman's trading desks to determine what trading strategy those traders employed during this period and later when making record profits?
Why are so many Goldman Sachs people in so many powerful government positions?
Why has the United States government allowed a cabal of financial interests to hijack America?
Let's add to that this news from an interview with David Yerushalmi, senior litigator on the Murray v. Geithner et al lawsuit. Market-ticker guy Karl explains the situation more here.
YERUSHALMI: So here's what we find out in the midst of discovery when we depose the Treasury Department's deponent and the Fed and get documents, here's what we've learned:
The Federal Reserve Bank of New York at the time that it structured the debt that it was going to give AIG insisted that not only did it get the debt, not only would it get principal and interest payments and collateral for that, it wanted 80% of AIG, precisely 77.9% of the shares and the voting rights. But the Federal Reserve Bank and Geithner knew that it was illegal for the Fed system whether there's a Fed or the Federal Reserve Bank of New York to own that, so what did they do? They created this independent trust.
GAFFNEY: The same was true of Treasury right?
YERUSHALMI: Well that's exactly right. You would think that if they couldn't own it maybe they could've got the Treasury Department. But the Treasury Department had no legislative authority to take equity from AIG either. So what did they do? They came and opened up a discount window but created a so-called "independent trust" and they hired three trustees, and they insisted that these people were independent non-governmental actors, no conflicts of interests. But in crafting the trust agreement they slipped in a barely noticed provision of the trust agreement which said "Oh by the way, the Fed controls the trust completely, its terms and effectively the trustees." Under anybody's rendition of trust law this is not a valid trust, this is simply a ruse or an artifice for the Federal Reserve Bank. The second–
GAFFNEY: Which makes the proposition- David we're just about out of time. Which makes what they did as I understand it from a technical, legal sense, money laundering.
YERUSHALMI: Exactly right, if you try to do something which is illegal, gaining control of ownership by the Federal Reserve Bank of AIG which was not authorized through a fraudulent artifice then you have violated- that's a classic violation of money laundering.
Disclaimer: I profoundly dislike Frank Gaffney but kudos to him for bringing this to our attention.
Who are you? Why don't you use your last name?
Larry Rubinoff said...
Good post Robert.
Let's sum it up in one word: "Criminal".
Has there not been enough testimony for Congress to take action? There certainly is enough evidence for the the U.S. Attorney General to act.
We have a runaway government. It does not serve and protect the people, it serves the interests of only those with a "seat at the table".
This is not Democracy. Wake Up America.
sfgirl said...
I hope that the banks will actually use the money in a good way and not bonuses for the employees.
HISTORY REPEATS:
"When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that glorifies it." … Frederic Bastiat (1801 – 1850)
Umm GS already handed out bonuses to its employees....and they were quiet nice :)
A good quote. Thank you to the reader that posted it. Seems like people might have had more wisdom in the 17 and 18 hundreds.
RobertM said...
re:"Who are you? Why don't you use your last name?"
...Says the guy posting anonymously.


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After you fill out and submit your Bagpipe Classified ad, it will be placed at the top (in chronological order) of our BAGPIPE CLASSIFIEDS page. You will be listed there and also have a full page ad featuring your bagpipe with all the details, photos, and videos that you submitted when you filled out the Bagpipe Classified questionnaire form. NOTE: As soon as payment is received via the questionnaire, all Bagpipe Classified Ad submissions are processed within 72 hours and will be live on SpanishBagpipes.com as soon as possible. You will receive an email with all the information and links as soon as your bagpipe ad goes live. If you have any questions, please CONTACT US.
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Health & Wellbeing > Brain Disorders > Alzheimer's Disease
Worried About Alzheimer's? This Guide Is All That You Need
Alzheimer's disease is a debilitating neurodegenerative disease that affects some 50 million people around the world. Due to the terribly massive reach of this affliction, it's very uncommon for a person to go through life without being affected by it, whether directly or through interpersonal relationships with sufferers or caregivers.
That's why it's important to be fully aware of the way in which Alzheimer's works, which is why we created this comprehensive guide, which will inform you about every aspect of this disease, as well as how you can effectively prevent and manage it.
We will continue to update this page with new studies and research information, as well as personal cases and examples. Please visit us here again to check for updates.
Click on one of the links below to get started:
1. What Is Alzheimer's?
2. The Difference Between Alzheimer's & Dementia
3. The 3 Types of Alzheimer's
4. Signs and Symptoms
5. The Science Behind Alzheimer's Disease
6. How to Prevent Alzheimer's
7. Types of Medication Available
8. Coping Tips For Alzheimer's Sufferers
9. Coping Tips For Caregivers
10. Promising Scientific Studies
11. Inspiring & Emotional Alzheimer's Stories
What Is Alzheimer's Disease?
Alzheimer's is a disease that forms within a sufferer's brain, and which slowly begins to impact their memory and thinking skills. In the long run, Alzheimer's usually ends up impacting a person's ability to carry out even the simplest of tasks, such as eating and speaking and will inevitably drastically reduce their quality of life and cause them to become dependent on others.
Most sufferers of Alzheimer's are over the age of 65, and the risk of getting it increases as you age. However, it's important to note that developing Alzheimer's certainly isn't an inevitable part of aging, which is why it's important to take plenty of steps throughout your life to prevent it.
Can Alzheimer's be cured?
Unfortunately, Alzheimer's disease still has no cure, however, there are many treatments available that can help slow down its development or suppress some of the symptoms altogether.
If you think that you or someone you know might suffer from Alzheimer's, then this simple test can give you some quick answers.
The Difference Between Alzheimer's & Dementia
Alzheimer's disease and dementia are two terms that are often used interchangeably by people since there's a common misconception that they both refer to the same condition. However, Alzheimer's disease is actually just one of the many paths that can lead to dementia.
This is because dementia is merely an umbrella term for a group of symptoms that affect a sufferer's thought processes and memory. When a person is diagnosed with dementia, they are simply being told that they are suffering from a particular set of symptoms. The next step would then be to work out exactly what causes these symptoms to appear in the first place.
The most common reason for the onset of dementia is, in fact, Alzheimer's disease, since it has been estimated to be responsible for as many as 70% of dementia cases. However, there are many other causes of dementia, including Huntington's disease, Parkinson's disease, Creutzfeldt-Jakob disease, and Wernicke-Korsakoff syndrome.
Another key difference is that, in certain cases, dementia can be a temporary and reversible condition, while Alzheimer's disease has been found to be a permanent condition, which only ends up getting worse, as time goes by.
The 3 Main Types of Alzheimer's Disease
Nearly everyone who suffers from Alzheimer's disease will eventually begin to experience the same symptoms, including confusion, memory loss, trouble with once-familiar tasks, and difficulty in making decisions. However, there are 3 main types of Alzheimer's disease, and their differences lie in the way that they are contracted:
1. Late-Onset Alzheimer's
By far the most common form of the disease, at around 95% of all cases, Late-Onset Alzheimer's is the kind that occurs in people over the age of 65. It may or may not be genetically-linked, since researchers have yet to find a particular gene that causes it, despite their suspicions.
2. Early-Onset Alzheimer's
This kind of Alzheimer's is a lot less common and only accounts for around 5% of all cases. It occurs in people who are under the age of 65, typically in their 40s or 50s, and people who suffer from Down syndrome have a higher risk of getting it.
Scientists have found that early-onset Alzheimer's has an even greater effect on the brain than its late-onset counterpart, and has linked its formation to a DNA defect contained within chromosome 14. A muscle twitch known as myoclonus is also more common for sufferers of early-onset Alzheimer's.
3. Familial Alzheimer's Disease (FAD)
This is a rare form of Alzheimer's that is 100% genetic, which accounts for less than 1% of all Alzheimer's cases. In affected families, members of at least two generations have typically had this kind of Alzheimer's, and many cases of early-onset Alzheimer's are actually linked to FAD.
The Stages & Symptoms of Alzheimer's Disease
Alzheimer's disease is a condition that gradually gets worse over time, and that's why its symptoms are often split into 3 sections: early, middle, and severe stages.
In the early stages of Alzheimer's a person may:
• Find it hard to remember things
• Ask the same questions repeatedly
• Get lost in familiar places
• Lose things or place them in unusual places
• Have trouble handling money and paying bills
• Take longer than they normally would to finish daily tasks
Once Alzheimer's has progressed to the middle stages, the symptoms, particularly memory loss and confusion, grow worse. Other symptoms include:
• Difficulty learning new things and coping with new situations
• Trouble carrying out tasks that involve many steps, such as getting dressed
• Impulsive behavior
• Forgetting the names of common things
• Hallucinations, delusions or paranoia
• Problems recognizing family and friends
• Wandering away from home
Once Alzheimer's has progressed to the more severe stages, symptoms include:
• Total lack of communication
• Spending a lot more time asleep
• Trouble swallowing
• Incontinence
• Complete dependence
Learn more about the symptoms of Alzheimer's disease here.
The Science Behind Alzheimer's Disease
Due to the highly complex nature of Alzheimer's disease, scientists around the world are still not completely sure what causes it, and how it works. However, many years of research have led us to understand a number of key points.
Specifically, we know that Alzheimer's causes certain brain cells to lose their functions and die, and this is what causes memory loss. A process called atrophy (shrinking of the brain) also takes place, which causes a harmful loss of brain volume.
This loss of brain function is believed to be due to the interactions of two types of proteins, known as amyloid and tau, which have been found to block communication between brain neurons. Amyloid has been observed accumulating into plaque-like clusters, while tau has a tendency to build up inside dying cells in what researchers call 'neurofibrillary tangles'.
Other researchers also believe that chronic inflammation in the brain may also play a role in the onset and development of Alzheimer's. Inflammation often occurs as a part of the human body's defense system, and it aids white blood cells in destroying toxins and waste products.
However, scientists have found that certain waste products, such as amyloid plaque and tau tangles, are not being eliminated by Alzheimer's patients' brains, causing their brain cells to remain permanently inflamed, which ultimately leads to the death of many more brain cells each day.
Watch this video to find out how Alzheimer's really works.
How to Prevent the Onset of Alzheimer's
While there's no proven way to guarantee that you'll never get Alzheimer's, there are many lifestyle and dietary changes that you can make, which have been found to decrease or delay your chances of contracting this disease later on in life.
• Maintain a healthy average weight
• Never stop learning new skills and expanding your areas of knowledge
• Maintain a varied circle of friends
• Start taking estrogen supplement after menopause (women only)
• Use the internet frequently to stimulate your brain
• Make sure you get a good night's sleep
• Keep your stress levels in check
• Brush your teeth twice a day
• Take care of your eyes
• Try and be as physically active as possible
• Keep diabetes under tight control
• Eat plenty of antioxidant-rich superfoods, such as black raspberries, elderberries, raisins, and blueberries.
• Avoid eating bad fats
• Treat yourself to cocoa powder and dark chocolate regularly
• Raise your levels of good cholesterol
• Drink 2 to 4 cups of coffee a day
• Drink more black and green tea
• Eat curry or take curcumin pills
• Add a lot more vinegar to your meals
• Take 500 to 1000mcg of vitamin B12 daily
• Drink a glass of wine each day
• Start following a brain-boosting Mediterranean diet
Learn more about how to prevent Alzheimer's disease here.
Drugs to Help Manage the Symptoms
Even though there's still no cure for Alzheimer's disease, there are two specific types of medication that can aid in managing the disease's main symptoms – cholinesterase inhibitors and memantine. Both of these drugs have been approved for use by the FDA to treat the symptoms of Alzheimer's disease, and should always be used under a doctor's supervision.
Cholinesterase inhibitors are usually used to treat the symptoms of mild to moderate Alzheimer's. They work by boosting the strength of certain nerve cells that the disease typically attacks. While they can't completely stop or reverse the disease's destructive process, they can slow it down quite a bit.
Common side effects of cholinesterase inhibitors include diarrhea, nausea, and vomiting, all of which can be reduced by taking your medication with food, and by starting low and upping the dose gradually.
The most common types of cholinesterase inhibitors prescribed are:
• Galantamine (Razadyne) for mild to moderate Alzheimer's
• Rivastigmine (Exelon) for mild to moderate Alzheimer's
• Donepezil (Aricept) for all stages of Alzheimer's
Memantine (Namenda) is usually used to treat the symptoms of severe Alzheimer's. It works by regulating one of the brain's most important messenger chemicals – glutamate. Memantine is typically taken in the form of a syrup or pill, and the most common side effects include confusion, agitation, headaches, and dizziness.
If none of the medications above are working on their own, the FDA has also approved the use of donepezil in combination with memantine (Namzaric), which is usually found in capsule form. Common side effects include headaches, diarrhea, nausea, and vomiting.
Coping Tips For Alzheimer's Sufferers
Being diagnosed with Alzheimer's disease is always devastating news, but as soon as you get over the initial shock, you need to start finding ways to cope, so that you'll be able to maximize your independence for the foreseeable future. Here are some tips that will help you better handle your day-to-day tasks, and keep on living a meaningful life:
• Create a strong coping strategy by identifying new challenges, prioritizing them, and creating a solution that works best for you.
• Set realistic goals, and only focus on things that you can do today!
• Develop a daily routine that's easy to follow.
• Never try and multitask!
• Learn to recognize stress triggers.
• Realize that you have more than one shot at fixing most problems.
• Draw inner strength from family, friends, prayer, pets, hobbies, or anything else that you love!
• Try your best to be independent, but don't be afraid to ask for help.
Coping Tips For Caregivers
It can be sad to see a relative, loved one or friend deteriorate from the effects of Alzheimer's, but there are quite a few things that you can do to help make their quality of life a lot better, as well as making your job a little easier. Here are a few things you should keep in mind as a caregiver:
• Don't even think about trying to argue with an Alzheimer's sufferer – you will get nowhere.
• Ignoring the symptoms won't make them go away.
• Be aware that too much medication can actually cause further memory loss, so always check with your doctor which ones are really necessary.
• Always listen to what they have to say, even if it makes little sense to you.
• It's never too late to work on improving their brain health.
• Share your struggles and be open to receiving help.
• Remember to give yourself a break every once in a while.
• Don't forget to prioritize!
• Remember that 20 minutes for you can feel like a whole day for them.
• Have difficult conversations about medical/legal issues early on, so that you can ensure that you will honor their wishes later on.
We'd also recommend trying out some of these 7 meaningful acts to help people with dementia.
The Most Promising Scientific Studies So Far
With every year that passes, members of the scientific community keeps gaining more and more knowledge about how Alzheimer's disease works, and are constantly searching for new ways to prevent it, slow down its progression, and ultimately to cure it.
While they haven't fully succeeded in finding a complete cure yet, the future looks bright, and below we've listed some of the most promising studies that have been carried out so far:
1. How Vitamin E Levels Affect Alzheimer's
2. The Link Between Bacteria & Alzheimer's Disease
3. Scientists Successfully Manage to Reverse Alzheimer's in Mice
4. Scientists Manage to Spot Alzheimer's 15 Years in Advance
5. Non-invasive Ultrasound Clears the Brain of Amyloid Plaque
6. Deep Brain Stimulation to Keep Alzheimer's at Bay
7. Blood Thinning Drugs May Prevent Dementia
8. Science Says the Elderly's Brain Cells Keep Growing
Update - 28th March 2018: Scientists Discover Anti-Alzheimer's Antibodies
Scientists have now found yet another way to reverse the symptoms of Alzheimer's in mice. By using an antibody called HAE-4, researchers from the Washington University School of Medicine were able to successfully reduce the amount of Alzheimer's-causing amyloid plaque in the mice's brains by around 50%.
They also found that this process was selective enough to only affect cells within the brain, while leaving other areas untouched, thereby greatly reducing the chance of side effects being present. The researchers are now planning to explore the way in which similar antibodies work, before preparing to test this process out on human patients.
Find out more about this amazing breakthrough here.
Update - 5th April 2018: Low Dopamine Levels Are Linked to Alzheimer's
A new study, published in the Journal of Alzheimer's Disease, has now found that people with low dopamine levels may be at an increased risk of suffering from Alzheimer's disease in the future. The researchers analyzed 110 adults with certain memory testing techniques, as well as 3Tesla MRI technology, which is a type of MRI scan that's twice as powerful as normal, which allows for more accurate scans.
Their results showed that if the dopamine-rich area of the brain, called the ventral tegmental area, doesn't spend enough dopamine to the hippocampus, then the ability for a person to learn new information will gradually decline, which could ultimately end up causing Alzheimer's.
Learn more about this new breakthrough here.
Update - 12th July, 2018: Researchers Discover the 'Big Bang' of Alzheimer's
Scientists from UT Southwestern have recently discovered the earliest point in a neurodegenerative process that is thought to lead to dementia. The researchers have described their discovery like finding the 'Big Bang' of Alzheimer's disease, and they hope that their work leads to new treatments and ways to detect the disease before major symptoms occur.
This new research focuses on a particular protein that is called tau, which can accumulate and kill neurons, and many researchers believe it to be the cause of Alzheimer's. It was previously believed that isolated tau proteins didn't have a distinctly harmful shape until they began to aggregate with other tau proteins, but this new research has shown that a toxic tau protein actually presents itself as misfolded, exposing parts that are usually folded inside, before it begins to aggregate. It's these exposed parts of the protein that enable aggregation, forming the larger toxic tangles.
Now that this early alteration in the shape of tau molecules has been identified, researchers can focus on potential drug targets to inhibit the toxic accumulation at this stage.
Discover more about this impressive development here.
Update - 27th August 2018: Scientists Discover & Cure Alzheimer's 'Zombie Cells'
A type of cellular stress that is linked to both cancer and aging has now also been found to be connected to Alzheimer's disease. UT Health San Antonio faculty researchers recently reported this discovery in the scientific journal, Aging Cell, and it is being hailed by leading scientists as a potentially massive step forward.
The researchers discovered that this stress, known as cellular senescence, does not outright kill the cell, but it may cause it to become zombie-like, altering its functions and killing surrounding cells. Incredibly, the researchers were able to decrease their presence, as well as the malignant tau protein tangles, using a combination of drugs including dasatinib and quercetin.
Learn more about this study here.
Inspiring & Emotional Alzheimer's Stories
Even though there is a lot of stigma surrounding Alzheimer's disease, there are also many touching and heartwarming stories that many sufferers and caregivers can relate to. Below, you'll find a selection of some of the most emotional and inspiring ones:
1. Woman Finds Out About Her Daughter's Pregnancy Every Day
2. Alzheimer's Hasn't Changed Who This Man Loves…
3. Her Mom Didn't Recognize Her, Until…
4. Singing Helps this Alzheimer's Patient to Remember
5. Teenager Discovers a Way to Help Alzheimer's Patients
6. Wonderful Husband Truly Loves His Ill Wife
7. The Japanese Restaurant Where the Waiters Have Dementia
8. The Town for People With Dementia
9. A Beautiful Story About True Love & Devotion
If you have anything on your mind that isn't covered in this guide, then be sure to take a look at our Frequently Asked Questions (FAQ) page to learn even more about Alzheimer's disease.
Don't forget to share this guide with anyone who is affected by this all-too-common disease, whether directly or indirectly.
Click Here for More Alzheimer's Disease Guides
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UF Health researchers investigate effectiveness of a generic heart drug
Published: Mar 4, 2015 By: Linda Homewood Category: University of Florida, University of Florida Academic Health Center, Clinical and Translational Science Institute, College of Pharmacy
University of Florida Health researchers are investigating whether a generic form of a common heart medicine used for high blood pressure, heart failure and many other conditions works as well as the brand-name prescription.
Through a $2.3 million, three-year grant from the U.S. Food and Drug Administration, UF Health researchers hope to learn if patients taking a generic form of the drug Toprol XL for high blood pressure and other heart conditions are receiving the same effective treatment they would get from the brand-name prescription. The researchers will compare the generic and brand name treatments by investigating drug concentrations in the blood and the effect the drugs have on blood pressure and heart rate.
More than 80 percent of U.S. drugs offer an approved generic option, saving patients more than $150 billion a year in medical costs, according to the FDA. Extended-release drugs are designed to release the drug in the body over a longer period of time, so patients don't have to take the drug as often. For some extended-release drugs, the rate at which the drug enters the blood may affect treatment outcomes in patients, and the formulation is often more challenging to copy. The FDA is proactively conducting a post-market clinical trial regarding generic extended-release products.
Approved by the FDA in 1992, Toprol XL, a beta-blocker, has been effective in treating patients with high blood pressure, heart failure and other heart diseases. Generic formulations of the drug later became available, offering a cost savings of up to $2,000 a year to patients. In 2013, Toprol XL, or metoprolol, was the fourth most commonly prescribed drug in the United States, with about 84 million prescriptions.
When switching from a brand name to a generic drug, the FDA looks for bioequivalence, meaning the same amount of drug is absorbed from a given dose whether the medication be brand name or its generic counterpart. Similarly, the bioequivalence of other extended-release drugs, such as those used for treating depression and epilepsy, also have been examined recently by the FDA.
"Our study will employ state-of-the-art approaches for determining drug levels in the bloodstream, gastric pH and genetic makeup to address questions regarding the bioequivalence of various extended-release metoprolol products," said Larisa Cavallari, Pharm.D., an associate professor of pharmacotherapy and translational research in the UF College of Pharmacy.
Led by Cavallari, the UF Health study will look at levels of different drug formulations in the blood to understand how the body absorbs and metabolizes each generic drug compared with the brand-name product. The research team also will evaluate the effects of each formulation on the body, including their ability to lower blood pressure and affect heart rate. Julie A. Johnson, Pharm.D., a distinguished professor and dean of the UF College of Pharmacy, is the co-principal investigator on this study.
Cavallari and Johnson also will work closely with other health researchers and practitioners to further demonstrate the drug's stability and release into the intestinal tract. Physiological factors, including pH levels and gastric motility, might cause differences in blood levels between brand name and generic products. Varying with each patient, these and other factors may determine how much of the drug's active ingredient actually becomes available in the bloodstream after metabolism.
"A collaborative team of UF Health researchers in the colleges of Pharmacy and Medicine and a cardiologist from The Ohio State University allows our study to apply our combined experience in pharmacology, cardiology and gastrointestinal medicine to clearly define any differences between products," said Cavallari, who also directs the UF Center for Pharmacogenomics.
The researchers will use patient facilities at the UF Clinical and Translational Science Institute to conduct studies on 30 to 40 volunteers who have participated in Johnson's previous pharmacogenomics studies of common antihypertensive drugs. Funded by the National Institutes of Health, the earlier studies sought genetic predictors of patient responses to blood pressure-lowering medications. Siegfried Schmidt, M.D., Ph.D., a professor of community health and family medicine at UF, participated in the earlier studies and will oversee the clinical components of the FDA-funded study.
In the new study, the patient volunteers, who are being treated for chronic high blood pressure, will undergo three overnight hospital stays that will allow doctors to monitor blood pressure and heart rate and take blood samples to track drug levels. They also will track pH levels in the gastrointestinal system.
The researchers are also investigating how common genetic variations in the drug metabolizing enzyme CYP2D6 — which acts on one-quarter of all prescription drugs — may affect the brand and generic forms of the drug in its ability to lower blood pressure and regulate heart rate.
To better understand the combined effects of genotype and gastric pH on drug performance in the study patients, mathematical modeling will be used to understand the movement of the drug in the body to determine how much of the drug is in the blood. The amount of medication in the body will be linked with the effect it is having on the patient, such as lowering blood pressure or heart rate.
"The results of this study will help the FDA determine the criteria necessary for improving generic extended-release metoprolol products to ensure safe and high-quality generic alternatives for patients," Cavallari said.
Funding for this study was made possible, in part, by the Food and Drug Administration through grant1U01FD005235-01.
For media inquiries, please contact Marilee Griffin at 352-273-7891 or email: margri@ufl.edu
Linda Homewood
Public Relations Director, College of Pharmacy
Linda Homewood, APR is the Director of News & Communications for the UF College of Pharmacy, she is also the editor of the college's alumni magazine, GATORx. An accredited member...Read More
Siegfried O Schmidt, MD, PhD
High blood pressure medicines
High blood pressure - adults
Discovery of dual-degrading compound could pave way for more effective cancer drugs
UF cancer drug receives FDA clearance for clinical trials
University of Florida Health, NVIDIA develop artificial intelligence model to hasten clinical trials, boost medical decision-making
UF Health team receives $6.6 million to study treatments to boost cognition for those with HIV
UF Health pediatric expert answers questions about COVID-19 booster shots for kids ages 12-15
Two common compounds show effectiveness against COVID-19 virus in early testing
Existing antihistamine drugs show effectiveness against COVID-19 virus in cell testing


The pictures above show the process – first I letterpress printed the seagulls on a Vandercook machine. The next step was cutting out the prints to get an idea on how many I needed. I printed the birds in rainbow colors! How fun!! At home the trimming started: every little seagull was cut out with an X-acto knife. On the last picture you can see the seagulls placed on the sail – some of the yellow ones are already trimmed. This sail will be part of an exhibition at the Goethe Institut, San Francisco 'Close to the Wind', opening August 15th, 2013. The show is a cultural contribution to the America's Cup.


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To the Government of Chad
Deploy sufficient military personnel and resources to border areas in eastern Chad including the Ouaddaï and Dar Sila administrative departments and as required in other areas to ensure that civilians are protected from further attack;
Investigate and prosecute all those individual Chadians involved in attacks on civilians;
Improve the living conditions and treatment of all detained rebel fighters to ensure that all those detained are treated humanely and conditions comply with all relevant international standards, including those on accommodation, access to sufficient food, water and health care as contained in the U.N. Standard Minimum Rules for the Treatment of Prisoners;
Ensure that all members of the armed forces are instructed to respect and comply with Chad's international and regional human rights obligations and customary international humanitarian law applicable to the hostilities with rebel forces;
Take steps to prevent the militarization of all refugee camps including by demanding that Sudanese rebel movements cease all recruitment activities within the camps and ensuring that all Chadian agencies and entities entrusted with refugee protection—including the Commission Nationale d'Accueil et de Réinsertion des Réfugiés (National Commission for the Reception and of Reintegration of Refugees, CNAR), gendarmes and local police and military officials—are aware of their responsibility to ensure the civilian character of the camps; and
Investigate and prosecute those individuals held responsible for any deaths of refugees forcibly recruited in March 2006.
To the Government of Sudan
Fully implement its obligations under the May 5 Darfur Peace Agreement and its previous commitments as outlined in U.N. Security Council resolutions 1556 (2004); 1591 (2005); 1651 (2005); 1663 (2006) and 1665 (2006) to disarm and disband government-backed militia forces; and
Immediately consent to the prompt deployment of a well-resourced U.N. force in Darfur with a robust mandate under Chapter VII to protect civilians and a rapid response capacity.
To the Sudanese Rebel Movements
Immediately demobilize all child soldiers and end the recruitment and use of all children under the age of 18;
Publicly declare and order all field commanders to refrain from any military activities, including recruitment, fund-raising and logistics, in both the refugee camps in Chad and the internally displaced camps in Darfur; and
Investigate and hold to account those commanders responsible for the torture, mistreatment and killings of refugee recruits in Arkoum training camp, eastern Chad.
To the United Nations High Commissioner for Refugees
Intensify professional training on refugee protection to Chadian gendarmes, CNAR agents, local officials, and all other governmental employees or representatives entrusted with refugee protection, including instruction on maintaining the civilian character of camps, and on preventing their militarization and the recruitment of their inhabitants; and
Ensure that adequate protection staff is deployed in the refugee camps, particularly in those camps where abuses have been documented.
To the United Nations Security Council
Take all necessary measures—including ensuring full implementation of the arms embargo in Darfur, applying further sanctions on Sudanese government officials, pledging and providing resources to the U.N. force, and passing the necessary resolutions—to ensure the deployment of a U.N. force in Darfur and along the Chadian border on or before October 1, 2006 (following expiry of the mandate of the African Union mission in Darfur on September 30, 2006);
Ensure that any U.N. Security Council resolution authorizing a U.N. force for Darfur calls for U.N. forces to use "all necessary means" to protect civilians, under Chapter VII of the U.N. Charter;
Support the African Union's efforts in Darfur to protect civilians until transition to a U.N. force; and
Call on member states to immediately fund and provide technical and logistical support, personnel and rapid response capabilities to the African Union force, and, eventually, to the U.N. mission in Darfur.
To the African Union Mission in Sudan
Actively patrol the main roads and villages in Darfur, particularly in rural areas and in strategic points along the Chadian border, to deter further attacks against the civilian population. Request additional support and resources as necessary to ensure the Chad-Darfur border is adequately secured.
To E.U. members and other donor governments
Immediately increase support to the current African Union force through the provision of rapid response capacity, logistical expertise, equipment, and funds;
Immediately and publicly pledge full support to the U.N. force with all necessary resources to enable it to speedily deploy and carry out the vital civilian protection tasks that are needed in Darfur and along the Chad border; and
Ensure immediate support to aid agencies supporting 350,000 refugees in eastern Chad to ensure their continued presence for this vital task.
<<previous | index | next>> June 2006


Home » Films » Departed, Scorsese get much love from Academy.
Departed, Scorsese get much love from Academy.
Scorsese's The Departed snags five nominations including Picture, Director, Screenplay and supporting actor.
The Nominees for the 79th annual Academy Awards were announced this morning. The winners will announced on Sunday, Feb 25th.
Here are some of the crime related nominations.
Leonardo DiCaprio (Blood Diamond) will be facing off against likely winner Forest Whitaker (Last King of Scotland) for Best Actor.
Djimon Hounsou(Blood Diamond) was also nominated for Best Supporting Actor.
On a personal note, I would just like to say I am beyond thrilled to see Forest Whitaker get nominated. He is an amazing actor and it is great to see him getting the credit he so richly deserves.


PC-Based : Medical Thermometers : ECG Equipment : EKG Machines : Pulse OX : Ambulatory Blood Pressure : Fetal Dopplers : Schiller Monitors : Medical Device Depot, Inc.
As healthcare spending undergoes intense scrutiny from the government and the American public, doctors and medical staff are beginning to evaluate their practice costs and prescribe new solutions. One area of growing interest is investing in PC-based medical equipment.
Medical equipment is a large cost on the balance sheet of any practice. Doctors must use the same precision and care they give to their patients when deciding on what new equipment to purchase. PC-based medical devices support the use of digitized medical records; a system many doctors are beginning to initiate.
Employing an Electronic Health Records (EHR) system allows doctors to better track, manage and treat patients. In addition, the economic stimulus package passed by the US government earlier in the year includes an appropriation of $19.2 billion dollars to encourage the use of EHR systems. This program will pay out substantial incentives to doctors who invest in an EHR system.
More and more of these EHR systems utilize PC-based medical equipment. Medical Device Depot, an online medical equipment store has seen increased sales resulting from a PC-based selling strategy. "We're seeing a big swing in favor of PC-based medical equipment from our customers," said John Gladstein, the company's president. "For the first time, the majority of physician are buying PC-based stress tests and EKGs, and I expect the numbers to keep going up," Gladstein continued. Medical Device Depot offers PC-based EKGs, Spirometers, Stress Test Systems, Holters and among other equipment.
Disease prevention and management is constantly changing in the wake of continued technological advancement. Doctors are a crucial part of this process. They must always keep at the forefront of the industry in order to give their patients the best care possible. It's no surprise that they show the same astute judgment when evaluating their medical equipment. As more doctors realize the benefits offered by PC-based medical equipment, the trend in PC-based equipment sales is likely to keep rising.
Medical Device Depot, Inc. offers affordable, quality medical equipment to doctors and hospitals. The online store carries a wide catalog of equipment at the lowest possible cost. Customer care representatives are standing by 24 hours a day to answer questions and help customers find the equipment that best fits their needs. http://www.medicaldevicedepot.com or call 877-646-3300.


Testing employees for drugs and alcohol has become an increasingly common practice in recent years. Many employers are starting to view it as a quick, inexpensive way to ensure their workforce stays active and safe.
Why test employees for drugs or alcohol?
Aside from higher rates of turnover and absenteeism, drug and alcohol use can negatively impact work quality and productivity at your company.
You should also consider workplace safety. Workers who are under the influence of drugs or alcohol could hurt themselves or others through carelessness or inattentiveness. This can lead to costly workers' compensation claims, and potentially lawsuits. If anyone is injured due to your employee's actions, there will be an investigation. In this situation, the business will suffer the legal consequences as a whole—not just the employee who caused the accident.
When you weigh these potential costs against drug and alcohol testing, you'll begin to see that the cost of testing is a small price to pay for safety, productivity and avoiding legal headache.
How do drug and alcohol tests work?
Advanced Urgent Care & Occupational Medicine works to make drug and alcohol testing easy for employers and employees. We offer three unique ways to test, each taking just 15 minutes to perform the procedure.
Urine drug testing is the most commonly used method of drug testing. Our patient care technicians will take all necessary precautions to avoid or detect adulterants in the donor's sample. For drug testing required by the Department of Transportation, all guidelines for drug and alcohol testing are followed strictly.
Hair provides up to a 90-day drug use history. While urine tests can pick up a single use, hair tests look for multiple uses over time. Hair testing is more difficult to adulterate, but it is slightly more expensive to perform than urine drug testing.
Breath alcohol testing is often performed post-accident, at random, or when an employer may be suspicious about a worker's alcohol use. If found in violation, employees must immediately be removed from safety-sensitive functions of a job duty. This doesn't mean they must be fired, but that they cannot perform safety-sensitive functions, like driving, for the time being.
How can I schedule drug tests?
It's easy to schedule drug and alcohol testing through eScreen. Creating an appointment is as simple as logging in, creating an "eScreen Passport," and having your employee notified via text, email or in person that they are required to perform drug or alcohol testing. The employee will be provided with a timeframe, locations and other necessary information to perform the test.
Advanced Urgent Care & Occupational Medicine also offers on-site drug testing using our modern mobile clinic. It allows for all testing to be completed in a matter of hours at your facility or a job site.
Advanced Urgent Care & Occupational Medicine utilizes eScreen technology for drug testing with immediate results. Rapid response to job applicants increases the odds of your company securing your first choice of candidates and allows you to take timely action with current employees. You'll have the ability to view test results online using eScreen.
What drugs can I test for?
We offer additional Panels for Barbiturates, Benzodiazepines, Methodone, and Propoxyphene. 6, 7, 8, 9 and 10 Instant Panel Screens are available.
What are drug detection times?
eScreen testing is 98% accurate, meaning you can be confident in your results. Positive results are returned for further testing to ensure the integrity of the original result.
How do I get started with drug testing?
Get connected with a workplace health and safety expert today and discuss your company's needs.
You'll gain access to drug and alcohol testing, and over a dozen other occupational medicine services offered at Advanced Urgent Care & Occupational Medicine in Brighton, Northglenn and Fort Lupton, Colorado.


AutoClub Speedway is one of the newer circuits on the Nascar scene. Built in 1997, the circuit has various configurations to suit different vehicles. The main circuit is the 2 mile oval, but an infield section also means it can be used for motorcycle races, drag racing and club level car racing. Built at a cost of nearly $100 Million, the circuit is a superb facility and has gone from strength to strength, with a seating capacity of nearly 100,000. The name of the circuit changed in 2008, for an estimated cost of $60 million.


text:
Chumphon, Thailand TH
Average humidity in December
What is the coldest month in Chumphon?
December is the coldest month in Chumphon, with an average high-temperature of 30.1°C (86.2°F) and an average low-temperature of 21.4°C (70.5°F).
What is the temperature in December in Chumphon?
The average high-temperature, in December, is 30.1°C (86.2°F), while the average low-temperature is 21.4°C (70.5°F).
How many days does it rain in December in Chumphon?
In Chumphon, in December, it is raining for 9 days, with typically 123.3mm (4.9") of accumulated precipitation.
Chumphon, Thailand
Average high temperature in December: 30.1°C
Average low temperature in December: 21.4°C
Coldest months (with the lowest average low temperature) are January and December (21.4°C).
Average humidity in December: 80%
Months with the lowest relative humidity are March and April (78%).
Average rainfall in December: 123.3mm
The wettest month (with the highest rainfall) is November (287.9mm).
The driest month (with the lowest rainfall) is February (44.7mm).
Average rainfall days in December: 9 days
The month with the highest number of rainy days is August (23 days).
The month with the lowest number of rainy days is March (5 days).
Average daylight in December: 11.5h
Weather Atlas: Chumphon, Thailand - December weather forecast and climate information. Chumphon, Thailand - December weather averages including high and low temperatures, humidity, rainfall, snowfall, daylight, sunshine, UV index, and sea temperature. [2163561]


text:
Ryan McBroom is off to a good start for the KC Royals
By David Scharff
(Photo by Eric Espada/Getty Images) /
With a number of KC Royals positions still needing to be locked down, Ryan McBroom is working to get ahead early with a good start to his spring training.
With the KC Royals having started their games last Friday, the first week of spring training for the team has flown by. A majority of players have been shuffled through the lineup in one way or another, and fans have gotten to see who the team is working with this year, and who might make the opening day roster.
One player who has seen a good deal of time over the last week is Ryan McBroom. McBroom is of many Royals fighting for a spot at Kauffman in 2020 and is one of two front runners for the first base position, the other being Ryan O'Hearn.
So far, McBroom looks to be jumping out early in spring training to make his argument for an opening day spot. McBroom came to the Royals in a late-season acquisition in 2019 from the Yankees organization. While he had limited appearances, the time he did see in the majors was positive, showing both an ability to hit and be productive defensively.
Having experience with both first base and the outfield, the Royals moved him back and forth, but he quickly entered the chat for who would take over the first base spot. There has been a lot of talk of Mike Matheny wanting to give O'Hearn another go at the position, but if McBroom can continue to impress throughout the spring, it would be hard look past him.
Though it's a very small sample size, so far in spring training, McBroom has (as of end of play Thursday, February 27th) slashed .286/.333/.583, with 14 ABs, 4 hits, 3 runs, 1 double, 1 homerun, 3 RBIs, 1 walk and 2 strikeouts.
Again, the sample size is small and of course, this is spring training where anything can happen and the stats only matter to a certain extent. But, that doesn't excuse the fact that McBroom is looking good so far.
McBroom may not be the forethought for first base with Ryan O'Hearn still looking to keep his name in the picture, but McBroom offers some versatility between both first base and the outfield.
McBroom was also able to recently show a glimpse of the power he is said to have. In 2019, McBroom smashed 26 homers during his time in the minor leagues but was unable to carry that over into the majors in 75 plate appearances. Luckily for him, he got one out of the way early in spring training.
In Tuesday's game against the Rangers, the wind was blowing full force and causing trouble for batters. McBroom didn't take notice, though, as he sent a ball flying into the wind for a homerun. It will be interesting to see how much power he can translate to the majors from his minor league time.
Next. KC Royals: Brady Singer stares down major league opponents in start. dark
As spring training moves on, the stats will start to round themselves out and fans will get to see if McBroom can continue his progress or if he will begin to decline. At the moment, though, McBroom looks poised for at least a bench spot to start the season to platoon first base or offer some relief in the outfield as needed.


text:
<?php

namespace Solver\Lab;

/**
 * Quick image processing utilities.
 */
class ImageUtils {
	protected static $cacheSourceImage = false;
	protected static $cache = [];

	/**
	 * Call this to enable source image caching in RAM. If you're producing multiple targets from one source
	 * sequentially, this will speed up operation. Otherwise it'll just waste memory.
	 *
	 * Caching is disabled by default.
	 *
	 * TODO: This is hacky, but it'll do for now. Long term, we should decouple image loading and target generation.
	 */
	public static function enableSourceImageCache() {
		self::$cacheSourceImage = true;
	}

	/**
	 * Disables the effect of enableSourceImageCache().
	 *
	 * Caching is disabled by default.
	 */
	public static function disableSourceImageCache() {
		self::$cacheSourceImage = false;
		self::$cache = [];
	}

	/**
	 * Processes images (intended for photos) to a variety of sizes, for thumbnail generation and different devices.
	 *
	 * TODO: Options to add: 1) don't upscale (keep ratio but doesn't upsample, which only wastes bytes). 2) area/point of interest (for biased cropping).
	 *
	 * @param string $sourceFilepath
	 * Absolute filepath to the file (must be JPEG for now).
	 *
	 * @param string $targetFilepath
	 * Absolute filepath from where to write the image.
	 *
	 * @param int|null $targetWidth
	 * Desired target width. Pass null to use the source width.
	 *
	 * @param int|null $targetHeight
	 * Desired target height. Pass null to use the source height.
	 *
	 * @param array $options
	 * Optional (default = null). This is a dict of options, with the following supported keys:
	 *
	 * # bool "sourceFilepathForType"
	 * Default null. Supply a filepath to be used for type detection (from its extension). The default behavior is
	 * to use the extension from $sourceFilepath.
	 *
	 * # bool "sourceMimeType"
	 * Default null. Supply a MIME type that overrides the file extension of the $sourceFilepath. The default behavior
	 * is to guess the MIME from the $sourceFilepath file extension.
	 *
	 * # bool "cover"
	 * Default false. If false, the image is resized to be "contained" within the target width and height (preserving
	 * ratio). If true, the image is resized so it covers the target width and height area completely, and of the ratio
	 * of the source image and the target boxes differ, portions may extend outside that area.
	 *
	 * # bool "crop"
	 * Default false. This setting is only supported in "cover" = true mode. It'll crop the sides of the resized image
	 * (symmetrically) in order to produce the exact wanted target width and height. In "cover" = false, the crop
	 * setting has no effect.
	 *
	 * # float "quality"
	 * Default 0.75. JPEG image quality from 0 to 1.
	 *
	 * # int "snap"
	 * Default 1. The dimensions of the target image will be "snapped" to a grid with the specified resolution. JPEG
	 * files have an internal resolution of 8x8 pixel blocks, so when multiple images are combined in a single sprite
	 * sheet (or other similar operations), it's helpful to snap the size to 8px to match the blocks for best quality.
	 *
	 * Snapping may produce slight ratio distortion, but it's not perceptible for small snap values.
	 *
	 * # bool "upsample"
	 * Default true. Set to false to avoid small images being blown up in size. This is typically unwanted. If
	 * upsampling is disabled, the image will be just recompressed with the given quality option without modification.
	 *
	 * The "snap" setting doesn't apply in this case (as width/height won't be modified).
	 *
	 * @return array
	 * Returns meta information about the source and target image.
	 *
	 * A dict with keys:
	 *
	 * - dict $source: With int keys $width and $height.
	 * - dict $target: Widht int keys $width and $height.
	 */
	public static function resize($sourceFilepath, $targetFilepath, $targetWidth, $targetHeight, array $options = null) {
		static $defaults = [
			'sourceFilepathForType' => null,
			'sourceMimeType' => null,
			'upsample' => true,
			'cover' => false,
			'crop' => false,
			'quality' => 0.75,
			'snap' => 1,
		];

		if ($options === null) $options = $defaults; else $options += $defaults;

		$sourceFilepathForType = isset($options['sourceFilepathForType']) ? $options['sourceFilepathForType'] : $sourceFilepath;

		if ($options['sourceMimeType']) {
			$sourceMimeType = $options['sourceMimeType'];
		} else {
			$sourceMimeType = self::getMimeTypeFromExtension($sourceFilepathForType);
		}

		if (isset(self::$cache[$sourceFilepath])) {
			list($source, $sourceWidth, $sourceHeight) = self::$cache[$sourceFilepath];
		} else {
			// We keep one item in cache, if it doesn't match, we reset.
			self::$cache = [];

			switch ($sourceMimeType) {
				case 'image/jpeg':
					$source = \imagecreatefromjpeg($sourceFilepath);
					break;

				case 'image/png':
					$source = \imagecreatefrompng($sourceFilepath);
					break;

				case 'image/gif':
					$source = \imagecreatefromgif($sourceFilepath);
					break;

				default:
					throw new \Exception('Unknown or unsupported source file type: "' . $sourceFilepathForType . '".');
			}

			$sourceWidth = \imagesx($source);
			$sourceHeight = \imagesy($source);

			if (self::$cacheSourceImage) {
				self::$cache[$sourceFilepath] = [$source, $sourceWidth, $sourceHeight];
			}
		}

		if ($targetWidth === null) $targetWidth = $sourceWidth;
		if ($targetHeight === null) $targetHeight = $sourceHeight;

		// FIXME: Not sure what this if (false) block is, but we have to look at it and fix it / remove it.
		if (false) {
			// DEPR:
			if ($targetWidth !== $targetHeight) throw new \Exception('Target width and height must be the same for now in mode "cover" (square).');

			if ($sourceWidth > $sourceHeight) {
				$sourceCopyWidth = $sourceHeight;
				$sourceCopyHeight = $sourceHeight;
				$sourceCopyX = (int) ($sourceWidth - $sourceHeight) / 2;
				$sourceCopyY = 0;
			} else {
				$sourceCopyWidth = $sourceWidth;
				$sourceCopyHeight = $sourceWidth;
				$sourceCopyX = 0;
				$sourceCopyY = (int) ($sourceHeight - $sourceWidth) / 2;
			}

			// /DEPR
		} else {
			$targetRatio = $targetWidth / $targetHeight;
			$sourceRatio = $sourceWidth / $sourceHeight;

			$sourceCopyWidth = $sourceWidth;
			$sourceCopyHeight = $sourceHeight;
			$sourceCopyX = 0;
			$sourceCopyY = 0;

			if ($options['cover']) {
				if ($options['crop']) {
					if ($sourceRatio > $targetRatio) {
						$sourceCopyWidth = (int) ($sourceHeight * $targetRatio);
						$sourceCopyX = (int) (($sourceWidth - $sourceCopyWidth) / 2);
					} else {
						$sourceCopyHeight = (int) ($sourceWidth / $targetRatio);
						$sourceCopyY = (int) (($sourceHeight - $sourceCopyHeight) / 2);
					}
				} else {
					if ($sourceRatio > $targetRatio) {
						$targetWidth = (int) ($targetHeight * $sourceRatio);
					} else {
						$targetHeight = (int) ($targetWidth / $sourceRatio);
					}
				}
			} else {
				if ($sourceRatio > $targetRatio) {
					$targetHeight = (int) ($targetWidth / $sourceRatio);
				} else {
					$targetWidth = (int) ($targetHeight * $sourceRatio);
				}
			}
		}

		if ($options['upsample'] == false && ($targetWidth > $sourceWidth || $targetHeight > $sourceHeight)) {
			$target = $source;
		} else {
			if ($options['snap'] != 1) {
				$snap = $options['snap'];
				$targetWidth = (int) ($snap * \round($targetWidth / $snap));
				$targetHeight = (int) ($snap * \round($targetHeight / $snap));
			}

			$target = \imagecreatetruecolor($targetWidth, $targetHeight);

			\imagecopyresampled($target, $source, 0, 0, $sourceCopyX, $sourceCopyY, $targetWidth, $targetHeight, $sourceCopyWidth, $sourceCopyHeight);
		}

		$targetMimeType = self::getMimeTypeFromExtension($targetFilepath);

		switch ($targetMimeType) {
			case 'image/jpeg':
				\imagejpeg($target, $targetFilepath, (int) (100 * $options['quality']));
				break;

			case 'image/png':
				// FIXME: The parameter "quality" should become "compression" and invserse of what it is (with smart
				// defaults for every output file type). For now we pick 0 for speed.
				\imagepng($target, $targetFilepath, 0);
				break;

			default:
				throw new \Exception('Unknown or unsupported target file type: "' . $targetFilepath . '".');
		}

		return [
			'source' => [
				'width' => $sourceWidth,
				'height' => $sourceHeight,
			],
			'target' => [
				'width' => $targetWidth,
				'height' => $targetHeight,
			],
		];
	}

	protected static function getMimeTypeFromExtension($filepath) {
		if (\preg_match('/\.(\w+)$/Di', $filepath, $matches)) {
			$extension = $matches[1];
		} else {
			$extension = null;
		}

		switch ($extension) {
			case 'jpeg':
			case 'jpe':
			case 'jpg':
				return 'image/jpeg';
				break;

			case 'png':
				return 'image/png';
				break;

			case 'gif':
				return 'image/gif';
				break;

			default:
				return 'unsupported';
		}
	}
}

redpajama_set_name: RedPajamaGithub


Lahore University of Management Science has an agreement commencing the Higher Education Commission. It is additionally directory with the Pakistan Engineering Council for its engineering quantity. It has circumstances of the statuette research and development facilities with enterprise from accompanying international universities.The capability members of the university are the practically everyone accomplished lot of the country with unknown education accomplishments. The LUMS Board of Trustees encompasses members of the household business community, academics, and government legislature.
The chief meanings of the board are to locate strategy guidelines and to assessment the procedure of the university. The Board of Governors, as the subsidize of LUMS, elevate funds for the university's procedure and continuation. The university is listed among one of the best universities. We have observed over the previous years that many candidates submit their online application close to the deadline but you should not do so.Submit as soon as you can.You must be prepared to apply in the university as soon as you can. But stay prepared for the entry test.
Candidates are strongly encouraged to apply in the first round of admission, as space becomes an issue in each successive round and ones probability of selection decreases with each round as fewer seats are available.
The LUMS MBA application pool is extremely competitive and candidates are encouraged to apply as early as possible. This will also avoid heavy server traffic and potential delays that you may face near the deadline.
In order to submit an online application, candidates must have taken their GMAT/GRE.
* Applications submitted after the deadline of second round of admissions, will only be considered if there are any seats left.
Local applicants: SAT Reasoning Test (SAT-I) & LUMS SBASSE Subject Test.
The Executive MBA programme presented by the SDSB is premeditated for mid-career administrator and entrepreneurs who are intend to acquire on superior face up to as they seize their profession on top of the next level and construct a collision on the efficiency of their organizations. These programmes exert a pull on contributor from a miscellaneous assortment of organizations from all over Pakistan and other countries.
Tuition at LUMS – for all programmes except MBA and EMBA – is based on the number of credit hours taken.
MBA and EMBA have a standard full-time tuition per semester.
The cost per credit-hour at LUMS for undergraduate programmes for 2019-18 is PKR 24,300. Students will be responsible for buying their own books and other reading material.
The cost per credit-hour at LUMS for graduate programmes (except MBA and EMBA) for 2019-18 is PKR 22,600. Students will be responsible for buying their own books and other reading material.
For all undergraduate programmes at LUMS, full-time status requires 12 credit hours per semester. Students who have paid full-time tuition can take up to a maximum of 20 Undergraduate credit hours per semester without any additional charge (i.e., a student who has paid full-time tuition can take between 12-20 credit hours per semester without any extra charge).
At the graduate level (except MBA and EMBA) tuition is calculated on the basis of credit-hours taken. Typically, full-time students enrolled in graduate degrees take 6 credit hours per semester.
The tuition for the MBA programme is PKR 385,850 per semester and for the EMBA programme is PKR 360,250 per semester.
SBASSE undergraduate students will be charged Lab charges for the maximum of 4 years only. SBASSE students who require to take courses beyond this will not be charged any additional Lab charges (if 4 years have already been charged).
Part-time students are not eligible for financial aid or for on-campus accommodation.
Fees are payable by semester according to the schedule given in the Annual Fee bill.
Fees for Transfer, Visiting and Auditing students will be charged according to the standard per credit hour rate.
Advance tax paid on fee is adjustable at the time of filing of Income tax return. LUMS will issue Advance Tax Certificate in this regard at year-end.
In case of withdrawal from the program, fee will be refunded according to the refund policy available at LUMS website.
University fees are usually announced once each year, for the following academic year. However, tuition and fees are subject to change without notice.
Fee payment instructions are given on the fee voucher; LUMS also has an online payment facility.
LUMS recognize relocate students from attributed institutions at the undergraduate level. Applicants concerned in remove to the LUMS undergraduate programmes should be put your name down in an undergraduate programme in an HEC recognized institution and should have accomplished one year or probable to entire one year before combination as a full point in time student.
The admission will be carried out soon and the updates can be seen soon here at this website for your convenience.