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Usher syndrome is the most frequent cause of deaf-blindness in humans. It's a genetic disease that results when there are mutations (defects) in genes that are important for the function of both photoreceptors in the retina and hair cells in the cochlea (inner ear). These mutations usually lead to either a deficiency or defective version of a protein that's critical for the health and function of the retina and cochlea. More than 400,000 people are affected by this disorder worldwide. Currently there is no cure for Usher syndrome.
Usher syndrome impacts three major senses in the body:
Children with Usher syndrome are born with or develop hearing loss. It's estimated that upward of 10 percent of people with congenital bilateral, sensorineural hearing loss have Usher syndrome.
Vision loss in Usher syndrome is caused by a progressive vision disorder known as retinitis pigmentosa (RP). RP causes the light-sensing cells in the retina to gradually deteriorate, initially resulting in night blindness, followed by a narrowing of the visual field, commonly known as tunnel vision.
Balance is achieved and maintained through input from your eyes, the vestibular organs in the inner ear and the sensory systems of the body, such as the skin, muscles and joints. Thus, people with Usher syndrome suffer from severe balance issues due to vestibular dysfunction.
There are three clinical types: Type 1, Type 2 and Type 3, which are distinguished by the severity and age when the signs and symptoms appear. There are at least eleven different genetic types of Usher syndrome, as determined by the genes that are involved. There are six different genes that cause Usher Type 1, three that cause Usher Type 2, and two that cause Usher Type 3. One cannot determine the genetic type by clinical testing; DNA testing is the only reliable way of determining the true genetic type.
Type 1 is comprised of 5 different subtypes; 1B, 1C, 1D, 1F and 1G depending on the specific gene mutation.
Children diagnosed with Usher syndrome type 1 are profoundly deaf at birth and have a dysfunctional vestibular system.
Due to the vestibular dysfunction, a child with Usher syndrome type 1 will usually take longer to sit up and develop walking at a later stage than a typically developing child.
Gradual vision loss in the child occurs due to Retinitis Pigmentosa (RP). The severity and onset of RP varies between individuals but commonly develops before the age of 10. Vision problems are initially characterised by night blindness or tunnel vision but this also varies between individuals.
Usher syndrome type 2 can be grouped into 3 subtypes, 2A, 2C and 2D.
In Usher syndrome type 2, the severity of hearing loss from birth can range from very mild to severe. Those with Usher syndrome type 2 do not have a dysfunctional vestibular system.
Vision loss due to the RP does not usually develop until late adolescence or in some cases until the late twenties.
Usher syndrome type 3 is very rare compared to the other Usher syndrome types and only one subtype has been discovered so far, with the majority of people with USH3 living in Finland.
A person with Usher syndrome type 3 is born with normal hearing and close to normal balance, however hearing gradually deteriorates with age.
A measurable hearing loss usually occurs by puberty and vision starts to deteriorate during the teenage years and may progress during life.
All forms of Usher syndrome are inherited from not one but both parents. When both parents are asymptomatic carriers of the Usher syndrome gene, they have a 25% chance with each pregnancy of producing a child with Usher syndrome.
Estimates are that 1 in 10 persons carriers some form of recessive gene for Usher syndrome, but because there are so many different genetic versions of Usher syndrome there is only a small chance of a specific carrier mating with an identical carrier.
www.usher-syndrome.org
www.usherkidsaustralia.com
www.blindness.org


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85+ population to increase 123% by 2040, report states
The U.S. population aged 85 or more years is projected to more than double by 2040, increasing from 6.5 million in 2017 to 14.4 million in 2040, notes a report released Friday by the federal Administration for Community Living, which includes the Administration on Aging.
That's a 123% increase, according to the authors of the 18-page "2018 Profile of Older Americans," which includes statistics from several sources. The report puts numbers to the recent and projected growth as well as other characteristics of the U.S. 65+ population.
The population aged 65 or more years has increased 34% over the past 10 years, going from 37.8 million in 2007 to 50.9 million in 2017, or to 15.6% of the overall population, the report notes. The 65+ population is projected to reach 80.8 million by 2040 — doubling from 2000 and representing 21.6% of the overall population — and 94.7 million in 2060, according to the authors.
Other highlights of the report:
States with the highest current number of residents who are over 65 include California (5.5 million), Florida (4.2 million), Texas (3.5 million), New York (3.2 million) and Pennsylvania (2.3 million).
States with the highest current percentages of their population being aged 65 or more years include Florida (20.1%), Maine (19.9%), West Virginia (19.4%), Vermont (18.7%), and Delaware and Montana (18.1% each).
States with the largest increases in growth of their 65+ populations from 2007 to 2017 include Alaska (71%), Nevada (57.8%), Colorado (55.7%), South Carolina (50.7%) and Georgia (50.3%).
From 2017 to 2018, 4% of those aged 65 or more years moved, compared with 11% of the population aged fewer than 65 years. Fifty-eight percent of the older movers stayed in the same county, 21% stayed in the same state, and 21% moved out of state or abroad.
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redpajama_set_name: RedPajamaCommonCrawl


You will be contacted as for the best day to begin and a photograph of the lamp and offerings will be e-mailed to you along with what offerings were made. Your petition and prayers will be recited each day or night for the 2 days.
*****I will need the date of birth, full names (maiden if applicable) and cities the involved persons reside in. No more than two people please. YOU MUST leace your details in the "special instructions" area on your order.


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Congress Gives Final Approval to 2011 Budget Agreement
Your Education Road Map
Politics K-12
Betsy DeVos. Donald Trump. The Every Student Succeeds Act. Congress. State chiefs. School spending. Elections. Education Week reporters keep watch on education policy and politics in the nation's capital and in the states.
By Alyson Klein — April 14, 2011 2 min read
Congress has finally passed a spending bill that would finance federal agencies, including the U.S. Department of Education, through Sept. 30. President Barack Obama is expected to sign the measure.
The House approved the bill this afternoon by a vote of 260 to 167, the Senate by a vote of 81 to 19. Passage followed months of wrangling and more than half a dozen stopgap measures amid concerns that the government would be forced to shut down if Congress failed to act.
Now lawmakers can move on to bigger and better things—namely, fighting exactly the same fights over next year's spending bills, and probably the ones for the year after that, too.
Under the measure, the Education Department's budget is cut by more than $1 billion from fiscal year 2010, bringing it down to $68.5 billion for fiscal 2011, from $69.8 billion, if you don't factor in Pell Grants for low-income college students.
Wins: Race to the Top was a big winner under the measure, getting $700 million. (Some folks didn't expect it to get anything.) Only states can compete for the awards, not districts. And the department can consider applications from last year's competition, which had 12 winners. The Investing in Innovation, or i3, program got $150 million. Plus, Head Start, which is administered by the U.S. Department of Health and Human Services, got a boost of $340 million, bringing it to $7.57 billion.
Losses: A number of programs are eliminated under the agreement, including the $100 million Educational Technology State grants, the $19 million Literacy Through School Libraries, and the $42 million Byrd Honors Scholarships. Plus, the measure doesn't restore cuts made in a short-term spending bill passed earlier this year, which slashed the $88 million Smaller Learning Communities program, and the $250 million Striving Readers program, among other cuts.
Draws: The budget agreement level-funds Title I grants to districts at $14.5 billion, special education at $11.5 billion, and keeps the maximum Pell Grant at $5,550. And the Teacher Incentive Fund is level-funded at $400 million.
The two education lawmakers in the House had very different views on the bill.
Rep. John Kline, R-Minn., the chairman of the House Education and the Workforce Committee voted for it as a step toward getting the nation's fiscal house in order, which, in his view, ultimately will benefit students:
Chairman Kline believes the final agreement is an important part of the Republican efforts to reduce federal spending and support the prosperity of future generations. Even the best education system in the world cannot prepare children for success in a nation consumed by debt. That is why Congress will continue making the tough decisions necessary to end Washington's spending addiction," said his spokesman, Brian Newell.
But Rep. George Miller, D-Calif., the top Democrat on the committee, voted against it, saying that the cuts squeeze the middle class and won't do much to cut the deficit:
I object to the fact that this deal to keep the government running was made, once again, on the backs of the middle class, workers and poor families. It is wholly unfair to suggest that Congress can meaningfully reduce the deficit by only chipping away at one part of our budget that represents only 12 percent of overall spending and that disproportionately affects the middle class. It is also unfair for House Republicans to hold the federal government and the American people hostage every time they don't get everything they want. That's not responsible governance and it is not bipartisan, it is extreme and dangerous for our economy and our country.
Alyson Klein
Assistant Editor, Education Week
Alyson Klein is an assistant editor for Education Week.
Federal Budget Congress
Bet Noire/Getty
Federal Biden Picks San Diego Superintendent for Deputy Education Secretary
San Diego Superintendent Cindy Marten was a classroom teacher for 17 years before she became a school and district administrator.
Evie Blad, January 18, 2021
First-grade teacher Megan Garner-Jones, left, and Principal Cynthia Eisner silent clap for their students participating remotely and in-person at School 16, in Yonkers, N.Y.
Mary Altaffer/AP
Federal Biden Calls for $130 Billion in New K-12 Relief, Scaled Up Testing, Vaccination Efforts
President-elect Joe Biden proposed new aid for schools as part of a broader COVID-19 relief plan, which will require congressional approval.
Federal Obama Education Staff Involved in Race to the Top, Civil Rights Join Biden's White House
Both Catherine Lhamon and Carmel Martin will serve on President-elect Joe Biden's Domestic Policy Council.
Andrew Ujifusa, January 14, 2021
Miguel Cardona, chosen to lead the U.S. Department of Education, photographed in his 4th-grade classroom at Israel Putnam School in Meriden, Conn., in 1998.
Courtesy of the Record-Journal
Federal Who Is Miguel Cardona? Education Secretary Pick Has Roots in Classroom, Principal's Office
Evie Blad & Andrew Ujifusa, January 14, 2021


Download ppt "Constitution, Society, and Leadership Week 2 Unit 3 Anatomy of the Constitution: Articles IV-VII Christopher Dreisbach, Ph.D. Johns Hopkins University."
How do the different levels of government cooperate?
T HE C ONSTITUTION : A RTICLES IV-VII (4- 7). A RTICLE IV (4) Concerns the States All states will honor the laws of other states. If you get married in.
The Six Principles of The Constitution.
Why Federalism? Most of the Framers were dedicated to the idea of limited government. They were convinced: That governmental power poses a threat to individual.
Chapter V, Article IV – The Federal System Terms and Cases Module V.
The US Constitution. Article 1: The Legislative Branch Makes laws The Senate – 2 Senators from each state – Elected by the House of Representatives (changed.
Articles of the Constitution A Brief Summary. Article I Creates the Legislative Branch O Article 1 Section: O 1 – Establishes the legislature – Congress.
Government Powers (Division of Powers) National Government State Government Powers Granted Powers Denied Delegated Powers Reserved Powers Concurrent Powers.
The U.S. Constitution January 27, What is a constitution? A ___________ is a document that embodies the fundamental principles of a government of.
What does the 27 th amendment establish? ALD? Congress cannot give itself a pay raise during its current session Accountability Limited Government.
Articles III-VII. Objectives Learn the purpose and workings of Articles III- VII of the Constitution.


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Reasons To Challenge A Will
What are the Grounds for Contesting a Will?
On what grounds can a will be contested? This is a question that can arise when a loved one dies and problems become apparent in the administration of their estate, whether due to issues with the will or disputes between beneficiaries and executors.
Because wills are designed to be legally binding testaments of the deceased individual's final wishes, they can only be contested under specific circumstances - and those seeking to launch a legal challenge will need to have strong evidence to support their case.
Read on for more information about the various legal grounds for challenging a will, courtesy of the expert dispute resolution solicitors at Clough & Willis. To speak to a member of our team about contesting a will, visit our contentious probate service page, or give us a call on 0800 083 0815.
Lack of Testamentary Capacity
To make a valid will, an individual must have sufficient mental capacity to do so. In order to qualify for this status, they must show that they understand the following:
That they are making a will - ie, that they comprehend the nature of the act of making a will and its effect, namely that they are formally laying out who their property should pass to following their death
The extent of the property and the assets that will be dealt with by the will
The individuals for whom they are morally bound to provide for, and the consequences of not providing for these persons
If a will appears to be rational, there is a presumption that the person making the will possessed the mental capacity to do so, but this presumption can be overturned by solid evidence that the individual did not understand the significance of their actions, such as a diagnosis of a debilitating mental disorder.
Lack of Valid Execution
A document will only take effect as a will, and become valid for guiding the disposal of assets after death, if it complies with certain requirements set out in Section 9 of the Wills Act 1837:
It must be in a written format and signed by the testator (the person making the will), or another individual acting on their behalf and in their presence.
The testator must have intended it to operate it as a will, and for their signature to give effect to the will.
The signature must be made or acknowledged by the testator in the presence of two or more witnesses, present at the same time.
Each witness must either sign the will as a witness, or acknowledge their signature in the presence of the testator.
If any of the above basic requirements are missing, the document will not be valid.
Lack of Knowledge and Approval
A testator must know and approve the contents of his will at the point that they execute it. When this knowledge and approval is missing, it may be due to a mistake on the part of the testator or the document's draftsman.
There are also cases where this lack of knowledge and approval is linked with concerns about the testator's mental capacity, or to allegations of undue influence or fraud.
Fraud or Forgery
A will is declared invalid if it is found to be a forgery; it will also be rejected if a testator has been duped into signing it, or if the will was signed under the belief that its contents were different from what they actually were.
Fraud is a serious allegation, and therefore requires a high level of proof on the part of those making the challenge.
Rectification or Construction of a Will
This is not strictly a challenge to the validity of the will itself, but instead contests the way in which an executor is intending to distribute an estate.
If an executor believes that the wording of a will means one thing and a beneficiary believes it means another, it may be necessary for the courts to make a final decision on the matter.
Claims under the Inheritance (Provision for Family and Dependants) Act 1975
This type of claim challenges the provision left to a particular individual under the will when the claimant believes the amount does not represent a reasonable financial provision.
Through this process, an individual can ask the court to award a more reasonable financial provision from the deceased's estate; similar claims can be made if the deceased has died intestate, meaning they do not have a will.
Because this is not a challenge to the validity of the will itself, these applications are normally issued only after it has been accepted that the will is valid.
Undue Influence
A will is considered invalid on the grounds of undue influence when it is determined that the testator's own judgment and wishes have been overridden by the influence or manipulative behaviour of another person, to the degree that it can be argued that the testator was essentially coerced into making the will.
These cases usually arise when there is reason to believe that a testator has made a decision they would not have made without the influence of another - usually the main beneficiary under the will.
As with cases of fraud, this is a serious allegation and a difficult matter to prove. Such arguments are usually made in conjunction with a claim that the deceased lacked testamentary capacity.
If you'd like to speak to one of our solicitors at Clough & Willis, call on 0800 083 0815, or complete our online enquiry form to request a call back. You can also visit our dedicated contentious probate service page for more information on how we can help you.
Read all Dispute Resolution News
Broken Promises - Are They Mutual or Mirror Wills
Costs Of Contentious Probate Proceedings
Disputes With Or Between Executors
How Long Do You Have To Contest A Will?
Who Can Challenge A Will
Contentious Probate Team


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Relikwiarz świętego Maura – romański relikwiarz przechowujący szczątki św. Maura, św. Jana Chrzciciela i św. Tymoteusza.

Zbudowany w XIII w. dla klasztoru we Florennes. Po zniszczeniu klasztoru i jego wyposażenia w czasie rewolucji francuskiej zakupiony przez księcia Alfreda de Beaufort w 1838 r., odrestaurowany i przewieziony w 1888 r. do siedziby jego rodu w mieście Bečov nad Teplou. Ukryty w kaplicy zamkowej w 1945 r. został odkryty 5 listopada 1985 r. przez czeskich kryminologów. Mocno uszkodzony po 40 latach przebywania w ziemi został odrestaurowany i udostępniony zwiedzającym na zamku w Beczowie 4 maja 2002 r.

Narodowy zabytek kultury Republiki Czeskiej, uznawany jest za drugi najcenniejszy zabytek czeski, po czeskich klejnotach koronacyjnych.

Bečov nad Teplou
Narodowe zabytki kultury Republiki Czeskiej
Maur
Sztuka romańska

redpajama_set_name: RedPajamaWikipedia


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Professor Yasusi Tanasawa
The late Professor Yasusi Tanasawa was the one of the world foremost pioneers in the research of liquid atomization. He contributed greatly to this field by ascertaining the characteristics of many different kinds of spray. One of his significant contributions was the Nukiyama-Tanasawa equation for liquid droplet distribution. In addition, he proposed many different designs for different ways of atomizing. In particular, he was noted for the swirl atomizer.
In 1982, the committee members of the council of ILASS-International proposed that future conferences should have an internatial academic award. They suggested that it should be named the Tanasawa Award in commenmoration of Professor Tanasawa's important pioneering contributions to the field of liquid atomization and spray systems. They asked Professor Tanasawa's disciples to put the award, including the fund raising, into practice.
The entire funding for the award was donated by the TOYOTA MOTOR Co.Ltd. This is due to the thanks of Dr.Shoichiro Toyoda, who was the former president of TOYOTA MOTORS Co. and is one of Professor Tanasawa's disciples.
Professor Yasusi Tanasawa presented the first winner the award at the Sendai Conference by himself.
The selection committee for the Tanasawa Award has been organized to select the best paper from each previous ICLASS conference. The committee consists of nine members who are nominated from throughout the world.
The Tanasawa Award consists of the Plaque with Silver Metal, Award Certificate and Prize Award. Read more about Professor Tanasawa
Winners of Tanasawa Award for best ICLASS papers
Tainan (2015)
to be opened at ICLASS-2018
Heidelberg (2012)
"Nozzle Geometry Effects on Primary Atomization" by M. Arienti and M. Sussman
Vail (2009)
"Ultra-fast Structured Laser Illumination Planar Imaging (SLIPI) for single-shot imaging of dense sprays" by K. Kristensson, E. Berrocal, M. Richter, M. Aiden
Kyoto (2006)
"The Influence of Surfactants on Impacting Drops" by A. Rozhkov, B. Prunet-Foch, M. Vignes-Adler
Sorrento (2003)
"Detailed Analysis of Spray Structure Air Entrainment in GDI Sprays Using a Tomographic Approach" by C. Seibel, K. Gartung, S. Arndt and B. Weigand
Pasadena (2000)
"Investigation of Internal Flow in Transparent Diesel Injection Nozzles Using Fluorescent Particle Image Velocimetry (FPIV)" by C. Tropea, J. K. Scalier, R. Wirth and J. Walher
Seoul (1997)
"Characterization of Liquid-Liquid Mixing in Sprays using Rainbow Refractometry" by S. V. Sankar, D. M. Robart and W. D. Bachalo
Rouen (1994)
"Study on Wave Motion and a Breakup of Annular Liquid Sheet in a Gas Stream" by H. Hashimoto, S. Kawano, H. Togari, A. lhara, T. Suzuki and T. Harada
Gaithersburg (1991)
"Application of Poisson Statistic to the Problem of Size and Volume Flux Measurement by Phase Doppler Anemometry" by C.F. Edwards and K.D. Marx
Sendai (1988)
"Advances in Diagnostics for Complete Spray Characteristics" by W. D. Bachalo, A. B. DelaRosa and R. C. Rudoff
"Atomization Characteristics of Superheated Liquid Jets" by N. Nagai, K. Sato and C.W. Lee
"The Mechanics of High Speed Atomization" by F. Ruiz and N. Chigier
Madison (1982)
"The Relationship between Atomization Characteristics and Spray Flame Structures" by R. Bolado and A. J. Yule
"Injection Valve of Swirl Flow Type used for Electronic Fuel Injection" by Y. Tanasawa, N. Muto and A. Saito


U.S. Navy photo by Mass Communication Specialist 2nd Class Jermaine M. Ralliford Navy Chief of Chaplains Rear Adm. Margaret Kibben visited Sailors and families living in Busan, Chinhae and Seoul, Republic of Korea (ROK) from July 14-21. Sailors in Korea are assigned to a variety of commands working for Commander, U.S. Naval Forces Korea (CNFK), Commander, Navy Region Korea (CNRK) and Commanding Officer, Combined Fleet Activities Chinhae (CFAC).
Kibben's visit is the first official visit for a Navy Chief of Chaplains to the Korean Theater of Operations and supports the Character Matters campaign launched from her office earlier this month. The campaign highlights the Chaplain Corps' focus on strengthening core values of Sailors throughout the fleet.
During Kibben's visit, she spoke to Sailors and Marines stationed in the Republic of Korea about the importance of an individual's character and how it strengthens a unit.
During Kibben's visit, she went to the Jinhae Orphanage in Changwon, and the Aikwangwon Home and School for the Mentally and Physically Disabled. Both are part of CFAC's community relations program that for Aikwangwon, founded in 1952 with help from the U.S. Navy, lasted for more than 60 years. She had the opportunity to meet with the care takers and spent time with home members.
Kibben met with U.S. and ROK Navy religious leaders to discuss how to better serve the needs of service members and their families, mentally, emotionally and spiritually while they are serving on the peninsula. She also joined Sailors, Marines and family members for various events to include leading a Protestant service and Catholic mass at CFAC, meeting with families in Busan, and holding all-hands calls with service members at CFAC, CNFK, and Camp Mujuk.
CNFK is the U.S. Navy's representative in the Republic of Korea (ROK), providing leadership and expertise in naval matters to improve institutional and operational effectiveness between the two navies and to strengthen collective security efforts in Korea and the region.
For more news from Commander, U.S. Naval Forces Korea, visit www.navy.mil/local/cnfk .


When deadlines approach and it seems like there's no way you're going to pull through, work flow can potentially become unorganized and chaotic without the proper guidance. Part of the Lean and continuous improvement process is being able to effectively organize processes in the most efficient manner. Specific tools and procedures have been developed through the years to help organizations organize their work flow and become more efficient. One in particular that I will discuss in this post is the Product-Process Matrix.
The matrix was introduced by Robert H. Hayes and Steven C. Wheelwright in the Harvard Business Review in 1979, entitled "Link Manufacturing Process and Product Life Cycles" and "The Dynamics of Process-Product Life Cycles." In the articles the two authors examine market manufacturing process issues and use the matrix to create strategic options for the company.
The matrix is made up of two dimensions that help to illustrate the linkage between the type of product produced and the production process. The first being product structure/product life cycle and the second is process structure/process life cycle. Together, the two dimensions can help you and your organization identify they type of production approach necessary for a particular product.
If you are an organization that falls into the job shop process, it is more than likely that you produce a variety of goods in relatively low production volumes. This allows a lot of flexibility in both your workers and your equipment because you are producing a low volume. However, the goods produced are generally unique products that require customization, direct interaction with customers, and requires a high level of skill to produce.
Although, there is flexibility and creativity in the job shop process, there is little to no repetition in the process. This can lead to inefficiency and slow production times without the proper materials and skills necessary to produce the good.
A batch process is one that is capable of producing more goods than a job shop, but the volume per good is still not enough to justify dedicated equipment. This allows for a little more efficiency because you are grouping certain parts together in one process as needed. However, it is still at a low volume.
The repetition is good for creating a smoother flow in the work process, but it is still not a connected process.
An assembly line process consists of highly similar goods produced in a repetitive manner. Workstations are set up so that products can pass through them in a sequential order that allows the goods to be produced in the most efficient manner. This standardization provides an excellent opportunity to manage and oversee the process, but offers little to no flexibility or variety in the process or the product. However, does allow for the company to produce its goods in a high volume quickly.
Continuous flow processes require specialized equipment in order to work continuously. This can only be possible when your range of products is extremely limited and you're required to produce them in an extremely high volume. The upside to this process is it is the most efficient and standardizes the process the most, making it the easiest to maintain standards. The downside, is that it offers no flexibility or ability to customize the products. It also can be very expensive to set up and fix machinery when they break, possibly causing long downtimes and gaps in your production.
The first two processes fit into the upper left quadrant of the matrix. They both put a major emphasis on product variety and flexible resources (workers and equipment). While the last two processes offer little variety and use less flexible resources. They tend to align themselves in the lower right portion of the matrix.
When used, the product-process matrix can provide at least an understanding of the strategic options available, especially when it comes to production efforts. If you fall into a particular part of the quadrant, but are using a process that doesn't align with your placing in the matrix, then it might be time to rethink your process.
This is not the perfect solution for every organization out there trying to find their niche, but it does provide a quick and easy guide to see where you line up. Every product and every organization is different, thus no one way is the right way. However, finding the most efficient and value adding method to your process, should alway be the end all goal.
NEXT POST Next post: 3-D Printing: What Does the Future Hold?


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Inside ARYA
BHP Group Share Price - Live Quotes and Prices
BHP, formerly known as BHP Billiton, is an Anglo-Australian company of international scope. The company specializes in the mining and sale of mineral commodities. BHP Group is a major producer of iron ore, diamonds, uranium, coal, oil and bauxite in the world and the largest diversified miner.
This world-renowned and successful company is also present on the stock market, with shares that are of particular interest to traders. If you want to know more about this company's stock, take a look at this guide for information about its history, strong points and weak points. These will provide you with essential elements for a fundamental analysis of the future fluctuations of this group's stock.
History of BHP
The history of BHP began in New South Wales in 1885 with the partnership of George McCulloch and Charles Rasp, two operators with the aim of exploiting the lead and silver steel deposit at Broken Hill. The company's activities soon expanded greatly despite major tensions between the miners and the company throughout 1890-1900.
The company began producing steel in 1915 in a steel mill located in Newcastle, the first facility of its kind in Australia. Production grew rapidly to support the needs of the Allies during the First and Second World Wars.
The Broken Hill mine ceased operations in 1939. Over 52 years of operation, the mine yielded more than 12.3 million tons of ore or 54 million pounds. This considerable sum made BHP the largest company in Australia.
The company's activities diversified over the years. The company's history took a major turn in the 1960s, when it signed partnerships with large groups (ESSO) and acquired numerous companies (Utah International, Energy Reserve Group, Monsanto Oil, Pacific Resources Inc, Magma Copper Company, etc.). The company reached new heights in 2001 with its merger with BILLITON, one of the leaders in aluminum mining.
Today, BHP is the world's largest mining group with revenues of $45,809 million in 2018 and a capitalization of $173,117 million as of October 2019.
Introduction and quotation of BHP shares
BHP shares (currently listed on 5 stock exchanges) are of great interest to investors. It is true that successful multinational companies can yield significant gains. But is BHP stock a good option? It's hard to give a categorical answer. What is certain, however, is that :
For the past 5 years, BHP stock has been on the rise. For example, in 2020, its share price increased by 15.03% from January to August
The company's share price has risen 87.6% over the past 10 years.
The company's performance in recent years has been largely due to its strong iron ore operations. It benefited greatly from the high prices of this raw material in 2011 and 2012. On the other hand, the coronavirus pandemic has created a relative scarcity of this mineral, which has benefited BHP greatly.
Advantages and disadvantages of BHP Group shares
It is impossible for us to tell you whether or not to invest in BHP stock. The fact remains that an increase in the price of the materials offered by the company will always go in its favor. On the other hand, a decrease in prices will significantly affect BHP's share price.
It is also important to note that while BHP Group has achieved excellent results in recent years, the company still faces a significant debt load worth over $12 billion.
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It's summertime, but the weather here in Seattle has me fooled some days! I'm four weeks into my internship at Microsoft's main campus in Redmond, WA, and even though there is, unforgivably, rain in June, I'm loving every moment of it.
I'm living in a really sweet apartment in the University District in Seattle (named for University of Washington). It puts me just outside of the city's downtown, so there are plenty of awesome things to do! My entire building is filled with Microsoft interns, so it's been neat hanging out with everyone after the work day is over.
The common area in my apartment… not too shabby!
The first view of where I'm living this summer… Fancy!
What it looks like today, nice and sunny!
Seattle is a ton of fun, with plenty of sites to see. Just in one day, I walked through downtown to the famous Pike's Place market, walked along the Puget Sound, and visited the Space Needle. Tons of hiking, camping, rafting and rafting trips have been going on that I haven't even gotten around to! As mentioned before though, it's not quite the same as summer back down in So Cal. Rain, overcast weather, and no nice sandy beaches (that I've heard of… maybe I'll find one one of these days). I'm making due, though! And hitting the beach will be first on my agenda come the end of my internship.
Me with my brother on top of the Space Needle!
And that's just the stuff outside my internship, which is awesome in of itself. I'm working for the team that writes the program that detects and removes malware as a developer, and it's been a blast. Because this program gets packaged in many Microsoft Security products, such as Windows Defender and Microsoft Security Essentials, we have millions and millions of customers who depend on our program to keep their systems safe and usable. And because I've been exploring the field of security through both my research and the classes I've been taking, this is right up my alley! I could not be happier with my work.
Also, Microsoft has recruiters that work with individual campuses, and they keep in touch with interns throughout the summer. USC's just recently held a USC-only bowling event for Microsoft employees, and so that was awesome catching up with friends that I normally see back in LA (and even meeting a few new ones)!
Well, that's all I got for now. I'm sure there's plenty of more fun to be had before the end of the summer (probably a little rain too), so see you next time. Soak up some rays for me!


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EU: Culture can play a crucial role in strengthening international partnerships
9 June 2016 weitzenegger Culture, Development, Europe, European Union, News Comments Off on EU: Culture can play a crucial role in strengthening international partnerships
A new strategy to put culture at the heart of EU international relations
Brussels, 8 June 2016 (EC) – The strategy adopted today is in line with the Commission's priority to make the EU a stronger global actor. Culture can play a crucial role in strengthening international partnerships.
The 'Strategy for international cultural relations' presented by the European Commission and the EU High Representative for Foreign Affairs and Security Policy aims at encouraging cultural cooperation between the EU and its partner countries and promoting a global order based on peace, the rule of law, freedom of expression, mutual understanding and respect for fundamental values.
EU High Representative and Vice-President Federica Mogherini said: "Culture has to be part and parcel of our foreign policy. Culture is a powerful tool to build bridges between people, notably the young, and reinforce mutual understanding. It can also be an engine for economic and social development. As we face common challenges, culture can help all of us, in Europe, Africa, Middle East, Asia, stand together to fight radicalisation and build an alliance of civilisations against those trying to divide us. This is why cultural diplomacy must be at the core of our relationship with today's world."
European Commissioner for Education, Culture, Youth and Sport, Tibor Navracsics, said: "Culture is the hidden gem of our foreign policy. It helps to promote dialogue and mutual understanding. Culture is therefore crucial in building long-term relationships with countries across the whole world: it has a great role to play in making the EU a stronger global actor."
European Commissioner for International Cooperation and Development, Neven Mimica, and Commissioner for European Neighbourhood Policy and Enlargement Negotiations, Johannes Hahn, welcomed the Strategy, in line with the recently adopted 2030 Agenda acknowledging global citizenship, cultural diversity and intercultural dialogue as overarching principles of sustainable development and for the EU's neighbourhood and enlargement policies.
Culture can play an important role in the EU's foreign policy. Cultural cooperation counters stereotypes and prejudice by nurturing dialogue, open-mindedness, dignity and mutual respect. Inter-cultural dialogue can help prevent conflicts and foster reconciliation within and between countries. Culture can help respond to global challenges such as the integration of refugees, countering violent radicalisation and the protection of the world's cultural heritage. Culture can also be a tool to deliver important social and economic benefits both within and outside the EU.
Today's Communication proposes a strategic framework for deeper and more effective international cultural relations as well as a new model for cooperation with Member States, national cultural institutes, private and public operators from the EU and its partner countries, increasing opportunities, creating synergies and maximising socio-economic benefits.
Culture is becoming more and more a vector for economic growth, not only in its traditional forms, but particularly through cultural and creative industries, SMEs and tourism. This strengthens the opinion that synergies with other fields are crucial and that public and private sector and civil society should be more and more involved.
Culture plays an important role also at municipal level. Engaging citizens, state actors and cultural operators alike, is a major resource for strengthening municipalities and communities and for developing market opportunities.
As such, this Communication is in line with the ninth priority outlined by European Commission President Juncker in his 2014 Political Guidelines and reflecting the ambition of the EU's forthcoming Global Strategy being prepared by the High Representative. The Commission has also announced that it will propose to the European Parliament and the Council of the EU to organise a European Year of Cultural Heritage in 2018.
Culture in EU external relations is one of the three pillars of the European Agenda for Culture (2007). Developing a strategic approach in this field has been a priority of the Council's Work Plans for Culture since 2011. A major step forward was made with the European Parliament's Preparatory Action "Culture in EU external relations" (2013-14), which highlighted the considerable potential for culture in Europe's external relations and underlined that the European Union and its Member States stand to gain a great deal by better streamlining their cultural diplomacy.
In the cultural and creative sectors, the EU has already funded many projects such as creative hubs' networks or the African, Caribbean and Pacific (ACP) Cultures+ programme and the programmes to support cultural governance and promote intercultural dialogue. The Creative Europe programme is also open to neighbourhood and enlargement countries. EU delegations regularly organise cultural diplomacy activities and EU development cooperation has long included culture and heritage in its actions (for example, to restore the Timbuktu manuscripts in Mali). The EU's support to the Anna Lindh Foundation in the South Mediterranean serves as another good example of how culture will influence the EU's foreign policy. The Young Arab Voices programme (now enlarged to the EuroMediterranean region), for instance, deepens the dialogue between young leaders and civil society representatives and develop counter-narratives to extremism and violent radicalisation. Another example is EU assistance to protect cultural heritage in Syria, implemented by UNESCO, supporting local stakeholders in monitoring the state of the heritage and in preserving the heritage and countering illicit trafficking. In the Eastern Partnership (EaP), the EaP Culture Programme is supporting the cultural and creative sectors' contribution to sustainable humanitarian, social and economic development. At the same time, the "Community-Led Urban Strategies in Historic Towns" project seeks to stimulate social and economic development by enhancing cultural heritage in nine historic towns in Armenia, Belarus, Georgia, the Republic of Moldova and Ukraine
Horizon 2020 also supports research on cultural diplomacy and activities on cultural heritage through multinational, interdisciplinary projects. Future programmes are under preparation to support partner countries in different regions; namely fostering cultural and creative industries and promoting intercultural dialogue.
To help the EU implement the strategy and create synergies among all EU stakeholders (EU delegations, national cultural institutes and foundations, private and public enterprises, civil society), a Cultural Diplomacy Platform was set up in February 2016, focusing on strategic countries. Operated by a consortium of Member States' Cultural Institutes and other partners, the Platform will deliver policy advice, facilitate networking, carry out activities with cultural stakeholders and develop training programmes for cultural leadership.
Communication on international cultural relations
Q&A on the Communication on international cultural relations
Speech by the EU High Representative and Vice President Federica Mogherini at the Cultural Forum
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Man Found Guilty of Murdering Ex-Girlfriend in Horrifying Cannibal Case
Alberto LuperonSep 20th, 2020, 10:35 am
Joseph Oberhansley (center, in suit)
Indiana man Joseph Oberhansley, 39, was found guilty on Friday in the horrific murder of his ex-girlfriend Tammy Jo Blanton, 46. Jurors convicted him of murder and burglary, but acquitted him of rape, according to WTHR.
Authorities said that he raped the victim, killed her, and ate parts of her body.
As Oberhansley walked out of the courthouse he said he was disappointed in the outcome of his trial, and said he did not kill Tammy Jo Blanton. @WDRBNews pic.twitter.com/w7jFmAHoTC
— Kristen Shanahan (@kshanahanWDRB) September 18, 2020
Blanton's body was found in her bathtub on Sept. 11, 2014. Oberhansley was caught, as investigators said they found a knife on him covered in what seemed to be hair and blood.
Clark County Prosecutor Jeremy Mull spent nearly an hour on his closing statement, explaining why he believes the evidence proves Oberhansley committed burglary, rape and murder.
"He needed to be in control and when Tammy said he's not anymore, he murdered her."
— Elizabeth Pace (@ElizabethPaceTV) September 18, 2020
Nonetheless, a trial was pushed back for years, as the defendant's mental competency was repeatedly called into question. He would even accuse his attorneys of trying to control his thoughts.
Friction continued with the legal strategy. The lawyers wanted to put up an insanity defense, but Oberhansley filed a motion to withdraw it. He denied living with a mental illness. Nonetheless, attorneys managed to get a deal from the state: they would not seek an insanity defense if the state declined to seek the death penalty.
Oberhansley's defense attorney, Bart Betteau, is now giving his closing argument.
He says the evidence does not prove without a reasonable doubt that Oberhansley is guilty of the charges. It only proves "he went there (Blanton's house) to talk."
At trial, Oberhansley took the stand. He claimed he discovered two Black men he did not know in Blanton's home on the day of the murder. They knocked him out, he said. He asserted that he was coerced into giving a confession to investigators. During cross-examination, Clark County Prosecutor Jeremy Mull cast skepticism on this story, asking why the two unknown men would stab the victim dozens of times but merely hurt the defendant.
Evidence presented at trial showed that Blanton previously told a co-worker that Oberhansley held her captive and raped her. She left the relationship.
Oberhansley was the only witness for the defense. He interrupted the state's closing argument.
Mull also poked holes in Oberhansley's theory that two men broke into Blanton's home and stabbed her. That's when the 36-year-old continued to interrupt Mull and the judge had to intervene.
We'll hear from the defense after a short recess.
"Tammy was extremely independent, a very strong person," a friend of Blanton's told WDRB in a 2019 report. "She really had her life together. It's really painful, so sad."
Sentencing is set to begin Monday. This was the second trial in the case. The first ended in a mistrial after a witness mentioned Oberhansley's criminal history and drug use. The defendant previously spent 12 years in a Utah prison for manslaughter because in a 1998 incident, he shot and killed his then-girlfriend Sabrina Elder, and shot his mother (who later forgave him). His sister grabbed his and Elder's infant son. Oberhansley fired at them, but missed. Then he shot himself in the head, the bullet lodging in his frontal lobe. He pleaded guilty down from a murder charge. His family was reluctant to take the stand, prosecutors said.
[Screengrab via WLKY]
Joseph Oberhansley


Vermont state regulators approved Burlington-based University of Vermont Medical Center's request to purchased two adjacent buildings for $22.1 million, according to the VT Digger.
1. UVM plans to make the larger 53,600-square-foot building home to UVM Medical Center's orthopedic center. It will also house radiology services.
2. The other 28,069-square-foot building will house the hospital's existing cardiology and cardiac programs. It will also be home to the endocrinology program and a pain management center.
3. Hospital executives reported the expansion will rather increase patient access to care. UVM Medical Center is the largest state hospital with an estimated 1 million patient visits annually.
4. UVM Medical Center does not plan on developing new buildings from the existing ones or acquiring any new equipment to fill the new buildings. It noted, the purchases are "critical" to hospital operations.
5. Originally it was estimated the two buildings had a base rent of nearly $1.9 million. However, the hospital negotiated to purchase them both for $22.1 million. In 30 years, UVM Medical Center estimates to see $54.3 million in cash flow from the buildings.


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Marcelo Design X
10 apps are in high demand in Trinidad y Tobago
Trinidad and Tobago is a twin island country located off the coast of Venezuela in the Caribbean Sea. The country is known for its natural beauty, Carnival celebrations, and diverse culture. Trinidad and Tobago is also home to a growing number of mobile app users.
According to a recent report, there are over 10 million mobile app users in Trinidad and Tobago. This number is expected to grow in the coming years as more and more people gain access to smartphones and other mobile devices.
So, which apps are in high demand in Trinidad and Tobago? Here are 10 of the most popular apps in the country:
WhatsApp is a cross-platform messaging app that allows users to communicate with each other for free. The app is extremely popular in Trinidad and Tobago, with over 9 million active users in the country.
Facebook is the most popular social media platform in the world, with over 2 billion monthly active users. The app is also popular in Trinidad and Tobago, with over 7 million active users in the country.
Instagram is a photo-sharing app that is owned by Facebook. The app is extremely popular in Trinidad and Tobago, with over 6 million active users in the country.
4. Snapchat
Snapchat is a popular messaging app that allows users to share photos and videos with each other. The app is popular in Trinidad and Tobago, with over 4 million active users in the country.
5. Twitter
Twitter is a popular social media platform that allows users to share short messages with each other. The app is popular in Trinidad and Tobago, with over 3 million active users in the country.
LinkedIn is a popular business-oriented social networking service. The app is popular in Trinidad and Tobago, with over 2 million active users in the country.
7. Pinterest
Pinterest is a visual bookmarking tool that allows users to save and share images and videos. The app is popular in Trinidad and Tobago, with over 1 million active users in the country.
8. TikTok
TikTok is a short-form, video-sharing app that allows users to create and share 15-second videos. The app is popular in Trinidad and Tobago, with over 1 million active users in the country.
9. Skype
Skype is a popular video-calling and messaging app that allows users to communicate with each other for free. The app is popular in Trinidad and Tobago, with over 1 million active users in the country.
WhatsApp Business is a cross-platform messaging app that allows users to communicate with businesses for free. The app is popular in Trinidad and Tobago, with over 1 million active users in the country.
Top-notch Mobile App Developers
Our mobile application developers have over a decade of experience in creating mobile apps that meet the needs of the market, enhance the brand identity of companies and encourage the growth and expansion of businesses in the Caribbean.
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Experimental tyres can capture static electricity.
New tyres can produce electricity
30th Jul 2019 4:35 PM
Your car tyres could soon be used to generate electricity.
Japanese tyre manufacturer Sumitomo Rubber has developed a small device that sits inside the tyre to capture static electricity created as the tyre rotates.
Developed in conjunction with Kansai University in Osaka, the "power generating device" or "Energy Harvester" is something Sumitomo says has "great potential for practical applications as a power source for various automotive digital tools".
The small device has electrodes between two pieces of charged film that can capture a "type of static electricity called frictional charging to generate electric power efficiently each time a tyre's footprint deforms as a tyre rotates".
While the small amount of electricity created are unlikely to be used to recharge batteries for a hybrid system, Sumitomo says they could be used to power small sensors such as those used in tyre pressure monitoring systems.
Sumitomo Tyres 'power generating device'
"We are confident that the results of this latest research will lead to practical applications for this new technology as a power source … without any need for batteries," the company said in a press release.
The electricity harvesting technology is being further developed with the assistance of the Japan Science and Technology Agency, a national research agency.
"Moving forward, we will continue working to advance this research with support from the Japan Science and Technology Agency," said Sumitomo in its press release.
It's not the first time tyre manufacturers have turned to tyres to look at capturing energy.
In 2015 the University of Wisconsin-Madison developed what appears to be similar technology to that used by Sumitomo, using a nonogenerator to capture the energy from the movement of the tyre.
Also in 2015 Goodyear envisioned a world where the heat and movement created in tyres could be turned into electricity.
Audi has also worked on suspension systems that can turn the jolts over bumps into electricity.
More recently, Hyundai incorporated solar panels into its upcoming Sonata Hybrid.
They are indicative of myriad engineering efforts by car makers to work on ways to capture small amounts of energy with the view to reducing fuel use or, in the case of electric vehicles, energy consumption.
Game-changing tech coming to your car
cars news motoring tyres


The article "Complex Machines vs. the Writers' Art," Aug. 29, takes the words right out of my mouth, or at least right off my screen. I'm particularly suspicious about the much-celebrated proliferation of computers on college campuses. When I see students crowded together in warm computer labs trying to compose their papers, I wonder if the students are being served by the machines or to them. These word-processing factories, obviously designed to accommodate computer wiring rather than student writing, have replaced Thoreau's solitary cabin with what looks like an airline reservation center. In the pursuit of convenience and efficiency, we're unintentionally encouraging students to relinquish what writers have needed for centuries: a room of one's own. There is another problem with these machines. Back in the olden days (circa 1981) substantial revision was an annoying necessity because the first draft - hand-written or typed - was a chicken-scratched mess. But nowadays, pressured students punch out a first draft, press a button to correct their spelling, and presto - out comes a beautiful looking manuscript, no matter how carelessly composed. Colleges must more carefully consider the revolutionary effects of computers on students' writing and then use these machines to help their students write better rather than faster. Ron Charles, Elsah, Ill.


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Q: Распаковка архивов из подкаталогов рядом с архивами Есть структура папок:
Папка 1
  Папка 1-1
    Папка 1-1-1
      Архив 1.zip
      Док.txt
    Папка 1-1-2
      Архив 2.zip
      Изображение.jpg
    Папка 1-1-3
      Архив 3.zip
  Папка 1-2
    Папка 1-2-1
      Архив F.zip
Папка 2
  Папка 2-1
    Папка 2-1-1
      Архив Ф.zip

Получаю список файлов подкаталогах Ctrl+B, сортирую по расширению...
И дальше тупик:
7z не распаковывает каждый архив рядом с архивом
TC по Alt+F9 (распаковка) все кладет в одну директорию
Как распаковать архивы средствами TC рядом с архивами во всех подкаталогах?
Это вообще можно сделать, или проще скрипт PS написать?

A: На всякий случай, держите вариант на PowerShell (только для zip):
Add-Type -AssemblyName System.IO.Compression.FileSystem

Get-ChildItem 'C:\Папка 1' -Recurse -Include '*.zip' | ForEach-Object {
    [System.IO.Compression.ZipFile]::ExtractToDirectory($_.FullName, $_.Directory.FullName)
}

redpajama_set_name: RedPajamaStackExchange


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LEAD Council's Holiday Giving Fund Awards $6,000 to Brighten Season
Young Professionals Build Charitable Support for Community Initiatives in Jefferson, Lewis, and St. Lawrence Counties
WATERTOWN — The Northern New York Community Foundation's LEAD Council will award $6,000 to three programs that make the holidays special for Jefferson, Lewis, and St. Lawrence County residents through its Holiday Giving Fund.
The advisory committee of young professionals established the LEAD Holiday Giving Fund at the Community Foundation in 2020 to help brighten the season for tri-county residents in need. Between generous gifts to the fund and a matching commitment from the Community Foundation, three nonprofits that manage holiday programs will each receive $2,000 support to strengthen their efforts. They include:
Clockwise from back left: Northern New York Community Foundation LEAD Council members Erin Simser, WinnCompanies; Jennifer Voss, City of Watertown; Jonathan Cole, Fort Drum Regional Health Planning Organization; Joanna Loomis, North Country Initiative; and Andrew Boulter, Watertown Savings Bank.
Christmas Crusade for Kids — Led by Tunes 92.5/104.5 FM Intrepid Broadcasting, Watertown, this initiative provides holiday gifts to children and families across Northern New York. The effort is a collaboration with the Community Action Planning Council of Jefferson County, Watertown Urban Mission, and the Salvation Army Watertown Corps.
Christmas Sharing Holiday Assistance — This program of the Lowville Food Pantry distributes gifts, toys, food boxes, and more to children, families, and seniors in need across Lewis County.
Potsdam Holiday Fund — This nonprofit provides annual support to St. Lawrence County individuals and families in need with gifts, food baskets, and winter clothing. Funding from this matching challenge will strengthen the organization's voucher program this year.
In addition to grant support, LEAD members collected nearly 300 toys to donate and distribute across the tri-county region through CAPC, the Lowville Food Pantry's Christmas Sharing Program, and the North Country Prenatal/Perinatal Council in Gouverneur.
"The LEAD Council makes an impact in a variety of ways all year, but especially during the holiday season, they have once again stepped forward to put charitable resources right to work in the tri-county area," said Rande Richardson, Community Foundation executive director. "We know their work matters and will touch the lives of individuals and families to brighten the season for those for whom extra support is critical."
Tim Sweeney, TUNES 92.5 & 104.5 FM general manager, said support from donors to the LEAD Holiday Giving Fund would enable the "Christmas Crusade for Kids" to extend its giving to another 100 local families.
"North Country residents delivered in a meaningful way to support the 14th Annual 'Christmas Crusade for Kids.' The thoughtful generosity of so many will help bring joy to more than 1,000 local families," Mr. Sweeney said. "We are grateful for the leadership of the LEAD Council and the warm-hearted compassion of many individuals who remembered their neighbors this time of year."
As pandemic-related challenges continue to evolve, LEAD members prioritized additional support this year to help vulnerable individuals, children, and families through these well-established initiatives.
"This challenge has become a favorite among the LEAD Council and this year was no different. Our members collected nearly 300 toys to help brighten the holidays for children in the tri-county area," said Erin Simser, LEAD Council chair. "We are grateful to help play an important role in supporting children and families across the region while creating warm Christmas memories for them."
The Community Foundation's LEAD Council is comprised of 24 young professionals who live and work in Northern New York. LEAD was created to engage and empower the next generation of community leaders in meaningful and strategic work in collaboration with the Northern New York Community Foundation.
The LEAD Council program and experience is made possible through the generosity of the Hyde-Stone Charitable Foundation of the Northern New York Community Foundation, Carthage Savings and Loan Association, Morgia Wealth Management, and donors to the Friends of the Foundation Annual Community Betterment Fund. Contact Max DelSignore, Community Foundation assistant director, 315-782-7110, or max@nnycf.org, to learn more about how LEAD and its work.


The article called the R8500 "ahead of the curve" and liked that it is well positioned for when "the market fully embraces the AC5300 standard." The author went on to call the Pro SAFE Click Switch "a great affordable gigabit switch" and said the PLP1200 is "a great powerline adapter" and a good "option if a wireless connection can't be used because of a bad signal or if one would prefer not to go wireless because of bandwidth concerns." Overall the article highlighted all of these devices as great "ways to improve the network performance in a given environment." PC Magazine published a positive review of the Arlo Q.
The review said the device is "incredibly easy to install" and praised features such as 1080p video, free cloud storage, clear night vision and IFTTT integration.
The roundup also includes Logitech Circle, Nest Cam, Simplicam and Canary All-in-One.
Apple Tech Talk published a positive update of their RN202 review around the update to OS 6.5.
The review praised how easy the device is to use with Netgear's Genie interface and liked features such as beamforming and MU-MIMO.
Wondering about other famous people who look Hispanic, but aren't?
They also noted that the network can support up to 15 cameras at once.
Overall the inclusion of the Arlo Wire-Free means the outlet felt it was one of the best devices available for office surveillance. The review stated, "Good build and picture quality, easy set-up, does what it claims.
Netgear came in second overall, but was named as having the best signal strength.
The review notes, "This is a big, bold router that takes no prisoners on the battlefield or off, and impresses with solid performance over any range." Missing Remote published a positive review of the R8500.
Categories Investigators say there could be more victims that have not been identified.


The colour is deep blush suggestive of dark summer fruit, with a rich appearance due to the viscosity of the Creme de Mure. There is a subtle blackberry aroma with a hint of traditional cyder apple. Deceptively smooth with a silky but refreshing palate, Blush offers a perfect blend of sweetness and acidity. It has a lovely mouthfeel and a lingering aftertaste of berries. Superb as an aperitif - as an alternative to pink sparkling wines like Rose Champagne, Perronelle's Blush is also an occasion drink - garden parties or balmy summer evenings after a hard day's work. Particularly good with smoked salmon and apple balsamic vinegar dressing and desserts such as tarte au citron or gooseberry crumble with fresh cream.


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Jeanie Rhoades // Thought Collage
Wholehearted-living somewhere in the middle of all the years.
Stuff I actually think.
Tag Archives: Duck Dynasty
Wheels of Love Go 'Round*
August 18, 2014 2 Mi Familia, Stuff I Actually ThinkCotton Jenny by Anne Murray, dave and tara powers, Duck Dynasty, grandbebes, jovan rhoades, rocky rhoades, ross and norma moslander, stephanie kelley, stormie rhoades, Tredessa and Ryan Faaland, tristan kelley, Uncle SiJeanie
Happy 57th Anniversary, Mom and Dad
Wheels of love go 'round
Love go 'round
A joyful sound*
Ross and Norma Moslander (also known as my mamala and pappasan), married August 24, 1957. They are my parents, the two people I adore and most admire in the universe. Like most kids, I suppose, there were so many things I was going to do differently as a parent. Then I didn't. Or I did and found out their way was better, anyway. They are both amazing and flawed, both extraordinary and just plain human. But their trajectory has always been headed towards heaven, walking with Jesus, being guided by the Holy Spirit and the closer they get to their goal, the more perfect they become.
My mom thanks me each Mother's Day and on my birthday for making her a mommy – everything she had ever wanted. I love them! And I'm so blessed to have them as mine!
He ain't got a penny
For Cotton Jenny to spend
Wheels go 'round*
Another grandbebe is on the way!
That's right: you heard me. GRANDbebe #10 is due at the end of February 2015. He or she will be Tredessa and Ryan's second child. Eight-month-old, Evangeline Lilly made the announcement at church wearing a shirt that said, "Only Child, expires February 2015."
Singing through the Decades
Tara (my firstborn) and her husband Dave are back with a concert follow-up to the wildly successful, sold-out show they did for Valentine's Day at the Mad Cap Theater in Westminster.
This concert is called Decades, where, rumor has it, they will sing some of the best love songs from various , you guessed it, decades in the past. They are pulling out some of my favorites and I don't know if I am suppose to tell, but one is a very sexy version of "Let's Stay Together," and **maybe-maybe-maybe** even "The First Time Ever I Saw Your Face," one of my mom's all-time fav songs (she wants me to make a video of pictures of my dad and add that song as a soundtrack – how cute is that???).
Anyway – the concert is at the historic Armory Center for Performing Arts up north and you can get tickets at dtp.eventbrite.com. It WILL be sold out, so buy early. I get a pass 'cuz I am their mom! :)
Rocky @Rez.org & other places
Rocky just started a new phase of life and ministry at Resurrection Fellowship in Loveland. He'll be leading worship a couple of weekends a month and engineering sound in a super-cool exposed brick office with a full-blown recording set-up. He is a little bit in heaven.
He just got back from The Big Tent Revival in Butte, MT where he led worship and just a day before that from a Rez trip to Lake Providence, Louisiana where they were raising money for a ball field there and he was thrilled to get to meet Uncle Si and some other Duck-Dynasty family. This was an explanation of the event CLICK HERE. I think there were follow-up news stories, but I live in Colorado, people.
Image from The Big Tent Revival, Photographer Tom Curry, copyrighted
Jovan is going to home school Averi this year as they transition, prepare to sell their house and move to Loveland (which, while only 45 miles from us, will still make them seem quite a ways away compared to now, which has been 15 miles). They are having an exciting year.
Stormie was at The Big Tent Revival, too
Crazy girl plays bass and sings. She uses her vacation time to travel wherever she is invited to glorify God. We like her very much!
You have been following Beat a Day, haven't you? You haven't??? What?!
Stephanie and Tristan are movers and shakers and are always doing something new that wows all of us. And they are both wildly popular on Instagram. Is that such a mom thing to say? It is! :) But it is still true! Steph is an extraordinary photo stylist, see here.
Tristan started posting a 15-second "Beat a Day" drum vids to Instagram {he is the BEST drummer in the world}} and everybody is talking about it! You MUST check it out! :) You totally have to watch the 100th beat that has exactly 100 hots played at 100 beats per minute! So cool! Also lots of beats at TristanKelley.com
So-this is just a little bit of what is happening with my people around here –
All the result of Ross and Norma saying I do 57 years ago this week!
*"Wheels of love go 'round" are lyrics from the song, "Cotton Jenny" written by Gordon Lightfoot. But it was the first song I ever heard by Anne Murray. I was 12. I loved her low voice and I still sing this song around the house! A lot!
Follow @jeanierhoades1
Some one I love is living with Alzheimer's
My Memory-Keeper is Losing Hers…
Childlike
When it's Springtime in the Rockies
Everything I have said about anything since November '06
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What I've been talking about:
Collage of My Life – All the Categories
Collage of My Life – All the Categories Select Category 1 Christ is All 2 Mi Familia 3 Celebrations & Festive Events 4 Home & Garden/Food & Seasons 5 Songs I am Singing 6 Looking Back // Memories! 7 Keep Christmas 9 TV & Movies/Books & Entertainment Stuff I Actually Think


While the procurement profession continues to struggle to do more with less, save dollars, and even find new ways to bring in revenue, we know that you will be asked to justify spending time away from the office and money to attend the NIGP Forum. With tight budgets, you will have to find creative ways to convince your supervisor that this face to face educational and networking opportunity will help you find more efficient ways to do your job and stay current on issues your organization faces every day.
Review the exhibitor list. Are there products and services your organization needs to learn more about?


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Jun 30, 2003 — By Texas Monthly
Nobody bumped into more obstacles on his way to passing an important bill than the balding, bespectacled, Mr. Magoolike chairman of the House Insurance Committee, whose charge was to bring down homeowners' rates without driving insurance companies out of Texas. It wasn't going to be easy. First, a group of…
Law And Disorder
In the different fates of Joe Nixon and Bill Ratliff lies a message about how politics works. Each is a Republican. Each worked hard on tort reform. Each guided a version of the bill through his chamber pretty much intact, without unwanted amendments. Yet Nixon is on the Worst list…
2003: The Best and the Worst Legislators
It was a session like no other: different rules, new power players, a surprise trip to Oklahoma, and the small matter of a $9.9 billion budget shortfall. All of which made it tricky to separate the heroes from the zeroes. But we did.
A Terrible Disappointment
As chairman of the House Democratic Caucus, Jim Dunnam had the most difficult role in politics: leader of the opposition. You have to decide whether to work within the system, which was the course Republicans generally followed for the past quarter century, or whether to challenge, obstruct, delay, call out…
If she had been nothing more than the first Hispanic woman elected to the Legislature, Irma Rangel would deserve her place in our political pantheon. But she was so much more. She was a mentor, a role model, and a lawmaker who in 1997 passed a bill that changed Texas:…
Crass Action
What a dismal story this is. A young lawyer gets elected to the House, and even before she is sworn in, she cashes in, using a legal but long-discredited stratagem available only to legislator-lawyers: the legislative continuance. State law provides that lawmakers with pending cases can ask for a delay…
The Grudge Report
Some people carry a chip on their shoulder. Yvonne Davis carries the whole tree. So frequently does her participation in debate turn sour that the Capitol crowd refers to her as Whyvonne, as in, "Why is she acting like this?" Never was that question on more lips than in the…
The term "furniture" describes members who, by virtue of their indifference or inactivity, were indistinguishable from their desks, chairs, and spittoons. Herewith, a tasteful display of the state's Stickleys and Chippendales. EMPTY FURNITURE Senator Gonzalo Barrientos (Democrat, Austin) won a plum seat on the Senate Finance Committee, and he…
Do The Wrong Thing
Two sessions ago Troy Fraser made the Worst list because of his propensity for snatching bills from other senators. We noted then that his ambition to handle major legislation exceeded his colleagues' faith in his competence. Could this raucous kindergartner handle the difficult first-grade requirements: Wait your turn, don't shove,…
Unfaithfully Yours
Your cheatin' heart will make you weep. You'll cry and cry and try to sleep. But sleep won't come the whole night through. Your cheatin' heart will tell on you. Some might argue that all's fair in love and politics. But in the Senate, fidelity is the…
Would someone please give Tom DeLay a map? No, not a redistricting map. He has plenty of those. A road map. He's a member of the House of Representatives, all right, but it's the one in Congress, not the one on Congress Avenue. That didn't stop him from trying to…
Dianne Delisi has a peculiar idea about politics: She thinks that you can succeed just by coming up with good ideas, working hard, and being nice. Well, that might work for the president of the PTA back home, but everybody knows that the way to get ahead in the Capitol…
Jun 30, 2003 — By John Spong
If Texas politics is your thing and you live in Austin, sometimes you want to go where every lobbyist knows your name. And they're always glad you came.
Dishonorable Mention
The Best and the Worst Legislators story has always been about process—the sausage-making rather than the sausage. Ends are important, but what really matters are the means. Are members treated fairly by the leadership? Can they vote their conscience? Is the lobby in the driver's seat? By these standards, Tom…
The Joseph McCarthy "Have You No Sense Of Decency?" Award
Following testimony before a House committee about health problems along the border, she told the El Paso Times, "Where did this idea come from that everybody deserves free education, free medical care, free whatever? It comes from Moscow, from Russia. It comes straight out of the pit of hell."…
Crosses to Bear
Jun 30, 2003 — By Pamela Colloff
Every day the new politics of abortion play out at clinics like the one in Bryan-College Station, where emotions run high and Roe v. Wade is almost beside the point.
Have Mercy
He was the point man for the good guys on the most important issue of the session. He spent his days and nights fighting the bad guys, and it almost did him in. With the Legislature facing a $9.9 billion shortfall, it fell to Teel Bivins, the chairman of the…
For thirty years our policy has been that presiding officers are not eligible for the Best or the Worst list except in exceptional circumstances. These are exceptional circumstances. David Dewhurst began with the lowest of expectations and ended with the highest of praise. The former land commissioner's election as lieutenant…
Steve Wolens isn't much of a sports fan, so he isn't likely to appreciate a baseball metaphor, but he seemed this session like a Hall of Famebound pitcher who has lost a little of his zest for the game. He still throws his fastball as hard as ever, but the…
No Man Is An. . .
Think of the change in leadership in the House, from Democrat to Republican, as a geological cataclysm akin to the meteor crash in the Yucatán Peninsula 65 million years ago that led to the extinction of the dinosaurs. Now imagine that, as the dust settles, one lone Tyrannosaurus rex survives…
Pulpit Bully
Robert Talton's legislative program consists primarily of trying to enact his prejudices into law. He is far from the first to come to the House for such a purpose, but what sets him apart are the fury of his biases and the extremity of his remedies. Take, for example, his…
The Bobby Riggs Award
Referring to California's budgetary woes, Governor Rick Perry said, "I get up every day and thank God I don't live in California." To which Hilary McLean, the chief deputy press secretary to California governor Gray Davis, replied, "I'm sure there are millions of Californians who wake up every day and…
A Friend In Deed
Like the Good Samaritan who assisted the injured stranger, Robert Duncan couldn't resist the call of friendless but worthy causes. If there was a difficult job that absolutely had to be performed, senators could always count on him to do the right thing (or, as he says in his West…
Let's be honest. We knew on the first day of the session that unless Bill Ratliff lost his mind, he was going to be on the Best list. Everybody knew. He is, as one lobbyist put it, "a redwood among the pines." The question then became what new phrases we…
Operating under enormous pressure all session, with Republicans and Democrats gearing up to run against him in his swing district, the 24-year-old UT law student amended the House tort-reform bill to require a medical-malpractice insurance-rate rollback and added a provision to the tuition-deregulation bill raising the amount to be set…
The Avenger
She was Madame Defarge, knitting the names of future victims into the quilt of her memory. Beverly Woolley personified the worst aspect of the new Republican majority in the House: its insatiable appetite for payback against Democrats. And what had the Democrats done, really, except run the state for 130…
"For Texans who've wondered whether there's a politician walking the halls of the state Capitol who actually votes his or her conscience without first taking an opinion poll," began a January 16 editorial in the Fort Worth Star-Telegram, "wonder no longer." And who might that rare fellow be? Why, it's…
The Best. . .
Best Alternative Nickname for The Killer D's Weapons of Mass Obstruction Best Souvenir Killer D's playing cardsU.S. forces in Iraq used playing cards bearing the likenesses of Saddam Hussein and his henchmen to hunt them down. When the Democrats fled the Capitol to defeat the congressional-redistricting bill, political…
FLFW Will See You Now
Jun 30, 2003 — By Evan Smith
In a rare interview, George H.W. Bush—a.k.a. the Former Leader of the Free World—disses Newt and the Dixie Chicks, muses on the restorative powers of Maine, and (who'd have imagined?) has nice things to say about the current occupant of the Oval Office.
Steady As He Goes
The lofty title Dean of the Texas Senate is bestowed each session on the senator with the longest tenure and carries with it the unspoken responsibility of protecting the chamber's dignity and traditions. As with English kings, however, the line of succession does not always produce someone suited to the…
Choose Ice
Dear Arlene, Another session, another letter. Two years ago we wrote to warn you that we were about to ruin your standing with your conservative pals by naming you to the Best list. But you can't blame us this year. It's your own fault. Your Republican colleagues were having…
25 Stories About Bob Bullock
Jan 20, 2013 — By Patricia Kilday Hart
He's gone but not forgotten——particularly now, when leadership is in such short supply. Friends and colleagues recall why the late lieutenant governor was one of a kind.
The Best and the Worst Legislators 2003
Jun 28, 2013 — By Allegra Fradkin
Jun 30, 2003 — By Patrick Michels
Platon, who photographed the former president for the cover, discusses portraiture and creating the perfect image.
Editor Evan Smith talks about interviewing George H. W. Bush.
Fresh Cherry Pie With Whipped Cream and Black Currant Sauce
Recipe from The Roaring Fork, Austin Pie Dough 8 ounces butter (2 sticks), cold and cut in small squares 4 ounces vegetable shortening (8 tablespoons) 3 cups unbleached all purpose flour 1 teaspoon sugar 1 teaspoon salt 1/3 cup iced water 4 four-inch pie…
Jun 30, 2003 — By Stacy Hollister
I had only 24 hours in Galveston, but that was plenty of time to see the famous Strand, eat some good seafood, and play a little bingo.
Texas History 101
Jun 30, 2003 — By Anna Lauzon
The Capitol building's history is as colorful as its exterior.
Tough Call
Jun 30, 2003 — By Patricia McConnico
Senior editor Pamela Colloff discusses abortion, access, and what it's like to work on an emotionally charged story.
Books That Cook
Jun 30, 2003 — By Gina Petrelli
Dining at the Governor's Mansion (Texas A&M University Press, 2003)
Texas Tidbits
Jun 30, 2003 — By Cassie Holman
Cool off this summer at one of these ten recreational Texas lakes.
Season's Eatings
Jun 30, 2003 — By Patricia Sharpe
AMERICAN PIE We hold this truth to be self-evident: that no Fourth of July celebration is complete without the consumption of vast quantities of fried chicken, potato salad, cherry pie, and such. If you don't have a time-honored family recipe for cherry pie, you might consider starting a tradition by…
WATER WORLD Take to the water the Texas way this summer—in a tube on a river. If you want sustenance afterward, check out these three favorites of ours. The behemoth of Central Texas river restaurants is the 950-seat Gristmill in the historic hamlet of Gruene, on the Guadalupe. With nearly…
Cava Bistro
Jan 20, 2013 — By Patricia Sharpe
BEST CELLAR A lair for urban animals, Houston's Cava Bistro feels like a wine cellar in a city where basements are as rare as igloos. The place has been open less than three months, but its rustic rock arches look hundreds of years old. By the light of chandeliers with…
How to Sound Smart On TV
Jun 30, 2003 — By Wayne Slater
"The worst thing you can do is formulate paragraph-long answers in advance. Keep it simple, stupid."
How to Be a Political Spouse
Jun 30, 2003 — By ritaclements
"I felt free to express my opinions. But if I was going to make a speech and I was talking about policy, I'd choose my words carefully."
How To Be a Good Loser
Jun 30, 2003 — By Tony Sanchez
"If you start feeling sorry for yourself, if you point fingers and get angry at this person or that, what good does it do?"
Altered State
Jun 30, 2003 — By Paul Burka
Why Texas politics will never be the same.
How to Sell a Candidate
Jun 30, 2003 — By Mark McKinnon
"The conventional wisdom is that you have to make him perfect. But today, humanity is more important than perfection."
How To Weather A Scandal
Jun 30, 2003 — By henrycisneros
"I had to live my life as productively as I could, despite what people would say behind my back."
Jun 30, 2003 — By Liz Carpenter
"If you want the speaker to sound warm and welcoming, spend an hour with her, hear her voice, and capture it on paper."
3rd And Bong
Jun 30, 2003 — By J. Sedelmaier
The NFL star who went to pot.
The Last Maverick
Jun 30, 2003 — By Jan Jarboe Russell
With the passing of Maury Maverick, Jr., Texas liberals—real ones, not watered-down versions—are nearing extinction.
Jan 20, 2013 — By Paul Burka
The battle lines over redistricting.
Atsbox
Jun 30, 2003 — By Katy Vine
IT'S NOT THE HEAT, IT'S THE ECCENTRICITY If you're the type of person who gets tired of festivals in which the highlight is a parade of Shriners in small cars, mark the weekend of July 25, when a few events around the state promise to be a little different. Take…
Latino Arts
AQUI ESTAMOS Latino culture flits on and off the general public's radar screen, but in Texas, it's a constant, with a highly visible arts scene. This month there are a few noteworthy events that you won't want to miss. July 15—September 21: San Antonio's McNay Art Museum opens "Fantastic…
THE WIDE WORLD OF SPORTS With the boys of summer going strong long into the fall, you'll have plenty of time to grab a hot dog and a beer, sing "Take Me Out to the Ball Game" during a seventh-inning stretch, and strive to catch a foul ball. So forgo…
A Great Weekend in Brownsville
SOUTHERN HOSPITALITY Around this time of year, when the heat index hovers in the hundreds, folks start dreaming of cooler temperatures and places north, as in the Pole. But on the weekend of July 25—27, we recommend you travel south, to the tip of Texas. Yeah, it will be hot—just…
The Last Roundup
Whistlin' Dixie
Jun 30, 2003 — By Kinky Friedman
I'm mental over the Dixie Chicks.
Jun 30, 2003 — By Patricia Sharpe, Patricia McConnico, Courtney Bond and Stacy Hollister
Jun 30, 2003 — By Patricia McConnico, Katy Vine and Stacy Hollister
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...I only post music I like, and I keep my remarks short and snappy because it's about the music, not me. No downloads, on site track players, but there's a short playlist.
Mostly roots, but can be anything that catches my ear.
And take it with you!


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Share this Story: Browns release Pryor after pre-practice fight with teammate
PMN NFL
PMN Football
Browns release Pryor after pre-practice fight with teammate
BEREA, Ohio — Days before taking out their anger in the season opener against the hated Steelers, the Browns fought each other.
Calvin Pryor took the hardest shot.
Browns release Pryor after pre-practice fight with teammate Back to video
A former-first round pick by the New York Jets, Pryor was released Thursday by Cleveland shortly after he was involved in a fight with wide receiver Ricardo Louis.
Coach Hue Jackson did not provide any details of the skirmish, which took place before practice.
"It was an internal matter," Jackson said. "We did release the player, and we are moving on. I just made a decision which we thought was best for our football team and we moved on. That is it."
Jackson didn't think Louis would also be let go. The second-year receiver had little to say about the altercation.
"Things happen within the family," he said. "We will keep it within the family, move forward and we will work on winning."
Pryor came to Cleveland in a trade on June 1 in a deal for linebacker Demario Davis. He was listed as Derrick Kindred's backup on this week's depth chart.
Scuffles are not uncommon during practices as tempers can rise on the field, especially during a hot day in training camp.
But with the season opener against Pittsburgh looming, Jackson wasn't going to tolerate foolish behaviour.
Louis got the message.
"All I know is that we are preparing for the Steelers, and I am looking forward to playing them," he said when pressed on whether the fight could be a distraction.
"That is the only thing that is on my mind right now. We will keep internal matters within the team."
For more NFL coverage: http://www.pro32.ap.org and http://www.twitter.com/AP–NFL


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Q: SharePoint 2010 : Retrieve Website Properties I am new to share point and trying this simple script to retrieve title and description of a site  it works fine when I keep siteUrl black :
<script language="ecmascript" type="text/ecmascript">

function GetTitleRTN(){

var siteUrl = '/ ';
var clientContext = new SP.ClientContext();
this.oWebsite = clientContext.get_web();
clientContext.load(this.oWebsite);
  ...... }

when I try same code with siteUrl same, it doesn't work ...
    <script language="ecmascript" type="text/ecmascript">
    function GetTitleRTN() {
  var siteUrl = '/sites/MySiteCollection';
  var clientContext = new SP.ClientContext(siteUrl);
  this.owebsite = clientContext.get_web().get_webs();
  clientContext.load(this.oWebsite);

....
I tried following
      <script language="ecmascript" type="text/ecmascript">
       var siteUrl = '/sites/MySiteCollection';
       var clientContext = new SP.ClientContext(siteUrl);
       var oWebsite = clientContext.get_web();
         //this.oWebsite = clientContext.get_web();
        //this.owebsite = clientContext.get_web().get_webs();

   function GetTitleRTN()
      {

   clientContext.load(oWebsite);
   ..........
    }

But it's not working.

A: In your second example there is an error, at least here:
this.owebsite = clientContext.get_web().get_webs();

Function SP.Web.get_webs() returns a website collection object that represents all websites immediately beneath the website
Below is demonstrated how retrieve website with properties by its url
How to retrieve Web Client Object properties via SharePoint CSOM (JavaScript)
function getWebProperties(url, OnSuccess,OnError)
{
    var context = new SP.ClientContext(url);
    var web = context.get_web();

    context.load(web);
    context.executeQueryAsync(
        function() {
          OnSuccess(web);
        },
        OnError
    );
}

//Updated example
//Example: set value for input on button click (jQuery dependency)
$("#GetTitle").click(function() {

   getWebProperties('https://contoso.sharepoint.com/sites/marketing',function(web){
      $("#GetTitle").val(web.get_title());
   },
   function(sender,args){
      console.log(args.get_message());
   });
});


How can we improve Crowdbooster?
Pinterest is becoming a significant part of my marketing plan.
Agreed! More and more brands are managing many Pinterest boards and with closure of PinReach, there aren't any great solutions out there. All of them either require expensive subscriptions, force you to pin via their platform, or won't go back further than 30 days. You could own this sector!
Crowdbooster: Crowdbooster: Support more social networks!


Artium Productions is a team of traditional and candid videographers and photographers who'll make sure your wedding memories last forever in a high quality format. The team believes that it's the details that make the difference and make your memories unique. They use high end cameras and prime lenses in order to get the best shots.


Your credit payment history and profile is the makeup of a credit report. These files or reports are maintained and sold by "consumer reporting agencies". One type of consumer reporting agency is commonly known as a credit bureau. The three credit bureaus are Transunion, Equifax, and Experian. You have a credit record with these agencies if you have ever applied for a credit or charge account, a personal loan, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have defaulted on any debts, have any outstanding judgments or child support, and whether or not you have any bankruptcies.
Of course. By law, they must give you a free credit report every three years. The agencies must give you a free report annually.
Your name, birth date, Social Security number, employer, and spouse's name are routinely recorded in your credit report. They may also provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.
CRAs must maintain a record of all creditors who have asked for your credit history within the past year. It is generally beneficial to keep the number of inquires as low as possible.
Your accounts with different creditors are listed, and the balances, high balances, and outstanding balances are listed. Related events, such as referral of an overdue account to a collection agency, charge off accounts or other delinquencies may also be noted.
What is credit scoring and how does it affect me?
Credit scoring is a system creditors use to help determine your creditworthiness. Information about you and your credit experiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report. The credit agencies use sophisticated algorithms to assign a score representing your creditworthiness based on your credit history, payment history, number of accounts, balance of existing accounts, and delinquent accounts, if there are any.
These agencies may charge you up to $9.00 for your credit report, but everyone gets one free credit report per year! Go to Free Annual Credit Report for your free annual credit report. There is no obligation as this service is mandated by law.
Credit scoring is used as a gauge of scoring individuals and assessing a creditworthiness to them based on their credit history.
Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, your score may change — but improvement generally depends on how that factor relates to other factors considered by the model. Only the creditor can explain what might improve your score under the particular model used to evaluate your credit application.
Have you paid your bills on time? Payment history is a major factor in credit scoring. If you have paid bills late, have collections, or declared bankruptcy, these events will not reflect well in your credit score.
How long is your credit history? Generally, the longer your history of holding accounts is, the more trusted you will be as a borrower.
Have you applied for new credit recently? If you have many recent inquires this can be construed as being negative by the credit reporting agencies. Only apply for credit when you really want it.
How many and what types of credit accounts do you have? Although it is generally good to have established credit accounts, too many credit card accounts may have a negative effect on your score. In addition, many models consider the type of credit accounts you have. It is important to not avoid them altogether, though. Having three to four credit cards is a good baseline.
What is your outstanding debt? It is important that you are not using all of your available credit. If all of your credit cards are maxed out, your scores will reflect that you are not managing your debt wisely. DO NOT USE MORE THAN FITY PERCENT OF YOUR AVAILABLE CREDIT ON EACH CREDIT CARD!
What happens if you are denied credit or don't get the terms you want?
If you've been denied credit, or didn't get the rate or credit terms you want, ask the creditor if a credit scoring system was used. If so, ask what characteristics or factors were used in that system, and the best ways to improve your application. If you get credit, ask the creditor whether you are getting the best rate and terms available and, if not, why. If you are not offered the best rate available because of inaccuracies in your credit report, be sure to dispute the inaccurate information in your credit report.