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Michael (Mick) J. O'Brien
CFA, GAICD
Appointed 1 July 2016
Carol Schwartz AO
BA, LLB MONASH, MBA, FAICD
Appointed 28 October 2020
James(Jim) Raymond Minto
FCA, GAICD
Deputy Chairman
Appointed March 2019
Catherine Robson
BA, LLB (Hons), Grad Dip (Applied Finance), LLM (Tax), GAICD
Appointed February 2020
D Glenn Sedgwick
BCom, FAICD, FCA
Appointed August 2016
Anne M. O'Donnell
BA (Bkg & Fin), MBA, FAICD, SF Fin
Appointed September 2010
Kevin J. Eley
CA, F FIN, FAICD
Appointed November 2011
Tim Hammon
BCOM, BLAW
Appointed December 2018
Managing Director - 1 July 2016
Executive Director - 28 April 2016
Non-Executive Director – August 2014 to April 2016
Member of the Board Risk Committee - May 2015
Member of the Strategy Committee - December 2017
Member of the Equity Trustees Limited board - July 2018
Member of the Equity Trustees Wealth Services board - July 2018
Board of Directors Biographies
Chair - Appointed 28 October 2020
Independent Non-Executive Director – March 2020
Deputy Chairman - March 2019
Independent Non-Executive Director - March 2017
Member of the Board Strategy Committee - July 2019
Member of the Board Risk Committee - March 2017
Chair of the Board Risk Committee - December 2017
Member of the Board Audit Committee - March 2017
Member of the Remuneration, Human Resources and Nominations Committee
- March 2017 to December 2017
Independent Non-Executive Director – February 2020
Member - HR, Remuneration & Nominations Committee - 2016
Member - Board Risk Committee - 2015
Independent Non-Executive Director – August 2016
Member of the Board Risk Committee - August 2016 to December 2017
Member of the Board Audit Committee - August 2016
Chair of the Strategy Committee - December 2017
Independent Non-Executive Director – September 2010
Member of the Remuneration, Human Resources & Nominations Committee - January 2015
Member of the Board Risk Committee - December 2017
Chair of Equity Trustees Limited Compliance Committee - November 2017
Non-Executive Director – November 2011
Member of the Board Audit Committee - November 2011
Chair of the Board Audit Committee - January 2015
Chair of the Board Risk Committee - May 2016 to December 2017
Independent Non-Executive Director - December 2018
FIAA, CFA, GAICD
Philip Gentry
B.Sc, MBA
and Chief Operating Officer
Sharni Redenbach
BAppSc (Psych), GradDip (AppPsych)
Executive General Manager,
Ian Westley
BAgrSc, DipFinServ
Jennifer Currie
B.Com/LLB(hons) LLM(IP) GAICD FGIA FCG
Russell Beasley
Dip Fin Mkts, SA Fin
Darren Thompson
B. Ecco, DipFinServ, GradDipFinPlan
Head of Asset Management
Harvey Kalman
BEc, Grad Dip App Fin & Inv, Grad Dip Acc, Advanced Management Program (Columbia)
Managing Director (UK and Europe) and Global Head of Business Development, Fund Services
Owen Brailsford
BA (Hons), (ACII) UK
Mark Blair
BSc. Hons, FIA, FIAA
Executive General Manager, Superannuation Trustee Office
Alicia Kokocinski
BA (English major), GradDip PR
General Manager,
Mick is a Fellow of the Institute of Actuaries of Australia and holds the Chartered Financial Analyst designation.
He is a non-executive director of Templeton Global Growth Fund Limited.
Mick has broad wealth management experience in superannuation, investment management, insurance and advice, spanning over 30 years in both retail and institutional markets. Mick was formerly CEO and director of Invesco Australia Limited, director of Franklin Global Property Limited, director of Alliance Capital Management Australia and Chief Investment Officer of AXA Australia and New Zealand where he was also a director of AXA's Responsible Entities and Regulated Superannuation Entities.
Philip Gentry has more than 25 years' experience in leadership positions within financial services, property, agribusiness, international trade, commodities and logistics, arriving at the Company in January 2016 from Grocon, where he was CFO from 2013. Previously, Mr Gentry held positions including Managing Director of Agrium Asia Pacific, CFO of AWB and a number of leadership positions at ANZ Bank in the areas of corporate banking, international trade finance and investor relations. In addition to his other qualifications, Mr Gentry is a graduate of the Stanford Executive Program.
Joined January 2016
Sharni Redenbach has more than 14 years experience in the financial services industry, leading a team of HR, payroll and training specialists to deliver HR strategies that support the achievement of business objectives. Sharni commenced her career at Link Market Services. Prior to joining Equity Trustees, she led the HR function in Australia for Fiserv, a global FinTech company. Sharni is a HR generalist who operates across the full employee lifecycle, and has expertise in change management.
Ian Westley has more than 25 years' business development and sales experience in Australia and the United Kingdom across a range of different industries. Ian is responsible for managing the Trustee and Wealth Services' private clients business.
Ian holds a Bachelor of Agriculture Science degree from The University of Melbourne and a Diploma of Financial Services.
Jennifer Currie has over a decade's experience in the role of Company Secretary, including for various ASX Listed entities across a range of sectors. Her prior roles include Chief Legal Officer and Company Secretary at Syrah Resources Limited, Capitol Health Limited and the Baker Heart and Diabetes Institute, and she has acted as legal counsel for organisations including Medibank and Telstra. She is also a Non-Executive Director of Ceridian Australia.
Jennifer is a Chartered Secretary and a Fellow of the Governance Institute of Australia and has also completed post graduate education at the Australian Institute of Company Directors and Oxford University. She also holds a Master of Laws, and Bachelor of Commerce/Laws (Hons) from Monash University.
Russell has overall responsibility for the operational compliance of all Responsible Entity and Corporate Trustee relationships within Australia. He joined Equity Trustees as Senior Relationship and Product Manager in February 2005. Subsequent appointments within Equity Trustees have included National Manager, Corporate Fiduciary Services and Head of Fund Services Australia. Russell also acted in the capacity of Chief Risk Officer for Equity Trustees for a period of 9 months to February 2019.
Russell has more than 40 years' experience in the financial services industry, holding senior positions within funds management and retail banking. Previous roles include: Communication Manager, MLC Investment Management; Portfolio Manager, National Australia Funds Management; Senior Manager Operations, County Investment Management; and various retail banking appointments within National Australia Bank.
Joined February 2005
Darren is an entrepreneurial Investment Director and Portfolio Manager with 30 years' experience. Committed to the development of robust investment methodologies, driving targeted investment return and business growth, Darren is a performance-focussed Australian equities leader who has delivered more than 11% p.a. portfolio return over the past 14 years. He arrives at Equity Trustees with broad general management skills and a proven success leading strategy, finance, operations and people management activities.
Joined October 2018
Harvey Kalman has more than 25 years in the financial services sector and is the Managing Director (UK and Europe) and Global Head of Business Development, Fund Services. Prior to joining the Company in 2000, Mr Kalman held senior roles at ANZ in funds management, the Australian Society of Corporate Treasurers (now the Finance and Treasury Association), as well as roles as a senior policy adviser, and at Ford Credit. He has significant experience in funds management and risk management.
Mr Brailsford has more than 20 years of international experience in risk management and regulatory roles in the superannuation, pensions and insurance industries. He was previously Chief Risk Officer with responsibility for risk and compliance at Australia's largest corporate superannuation fund, TelstraSuper. His background includes roles at the Australian Prudential Regulation Authority (APRA), Prudential PLC and RSA Insurance (both UK) and a risk management advisory role at KPMG.
Mark has over 30 years' experience in the financial services industry in the UK and Australia, including advisory, strategy and business development roles. Mark leads the Trustee and Wealth Services superannuation business. Mark holds an honours degree in mathematics from Nottingham University and is a Fellow of the Institute of Actuaries in Australia and the UK.
Originally a journalist, Alicia is a senior manager with a proven track record in media, marketing, communications and market research - especially in complex and highly regulated environments. She has experience in the development and implementation of both traditional and social media campaigns, key message development and targeting (including qualitative and competitor research), as well as the development of practical and direct marketing and communications audits and plans.
Alicia heads up a team of professionals, providing contemporary and credible marketing and communication direction and general leadership to position and develop the brand, and manage the reputation and profile of Equity Trustees.
Equity Trustees' in-house asset management team manages tailored investment portfolios for corporate, charitable and private clients. Our overarching approach is based on long-term considerations rather than short-term fluctuations.
We aim to deliver performance that meets our clients' expectations and risk/reward profile. To do this, we combine in-house capabilities with the best domestic and international external managers and build portfolios that are diversified both across and within asset classes.
In 1888, Equity Trustees was established by a specific Act of Victorian Parliament.
By 1931, our revenue had grown 1000-fold and Joel Fox now employed a staff of 90. The company moved to new chambers at 472 Bourke Street; the site of Melbourne's old Synagogue.
During the company's long history, Prime Ministers, High Court judges and Governor-Generals have sat on our Board. Sir Robert G. Menzies was among them, sitting on the Board until he became Prime Minister in 1939.
During WWII and into the 1950s, Equity Trustees began dealing with many widows and their children. This marked a change of focus for the company and we began promoting our services to support families during their toughest times.
Equity Trustees took on Responsible Entity, distribution and relationship management for leading Australian and international investment managers.
Acquired ANZ Trustees, which positioned Equity Trustees in the ASX 300.
At the end of 2015, Equity Trustees Limited became a subsidiary of EQT Holdings Limited. EQT Holdings Limited is a publicly listed company on the Australian Securities Exchange (ASX: EQT)
In 2017 we acquired the estates and trusts business from Sandhurst Trustees Limited who are owned by Bendigo and Adelaide Bank.
Acquired the Responsible Entity (RE) business of OneVue Holdings Limited, which covers 28 managed investment schemes and approximately $2.7 billion of funds under supervision.
Acquired Zurich Australian Superannuation Pty Ltd, which is trustee for $1 billion in funds accumulation and pension products and 18,000 members, cementing our position as the leading provider of specialist independent superannuation trustee services in Australia.
Equity Trustees is born
Sir Robert G. Menzies appointed
The aftermath of War
Equity Trustees acquires ANZ Trustees
New company structure
Equity Trustees acquired the estates and trusts business from Sandhurst Trustees Limited
Equity Trustees acquired the Responsible Entity (RE) business of OneVue Holdings Limited.
Equity Trustees acquired Zurich Australian Superannuation Pty Ltd which is trustee for $1 billion in funds accumulation and pension products.
By offering a diverse range of financial and fiduciary services, we help our private and corporate clients grow, manage and protect their wealth now and for generations to come. Our mandate is to always act in our clients' best interests, ensuring they feel safe, valued and cared for.
Equity Trustees Limited is a subsidiary of EQT Holdings Limited. EQT Holdings Limited is a publicly listed company on the Australian Securities Exchange (ASX: EQT) with offices in Melbourne, Sydney, Brisbane and Perth.
ASFA
Power of Attorney Register Effective Dates EQT AU, EQT SS, EQT SFS Power of Attorney Register Effective Dates EQT Responsible Entity Services Ltd Power of Attorney Register Effective Dates EQTL ETWSL ETSL Board Charter for EQT Holdings Limited


Meet Jon Perrault, he is part of BPA here at Northwood. We met up with Jon and asked him a few questions, here is what he had to say.
What is your name, major, and year at NU?
My name is Jon Perrault. I am a freshman here at Northwood and I am studying management in the four-year BBA & MBA program.
How has your first month been at Northwood?
After my first full day at Northwood, I knew it was the right choice. The professors and staff truly care about your education and your success in your career. The campus is the perfect size. The class sizes are small, giving more direct attention from my professors and getting to know them on a more personal level.
Have you joined any on campus groups?
Yes, I have joined several Registered Student Organizations. These include Student Government, Timby Student News, Emerging Leaders (A freshmen only leadership group) and of course, Business Professionals of America. It is so unique to be surrounded by such great leaders who take any challenge given and turn it into an opportunity.
Do you have any recommendations to future students searching for a college?
Make sure to visit as many colleges as you can. The more types of colleges you visit, the more you will know what you like. Don't go to a certain college because you know someone who is also going there. Choose a college that matches your values and will provide you with future career exploration opportunities.
What has been your favorite part of college at Northwood?
I have had an absolute blast making friends while enjoying the many on-campus events. I never thought that a university of this size would have much to do, but there is always some fun activity to partake in. And when there isn't anything going on, there is always plenty to do in Midland. In fact, my friends and I recently rented bikes from on-campus and rode along the rail trail to get ice cream.
Students interested in joining BPA may contact exh@northwood.edu for more information on the organization and meeting times.


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Main Blog > One Hundred Young Americans: Bentzy
One Hundred Young Americans: Bentzy
Wednesday, October 31, 2007 at 4:01 AM
Bentzy, 19, New York
Bentzy has never heard of MySpace. He's lived in New York since he was 11, but he lives in a different world from most American teenagers.
"We are here for a purpose."
"We are not here for enjoyment. God created us to do something. And the something isn't to play basketball all day or to eat pizza. If teenagers in America knew this, it would be good."
We're inside a storefront synagogue in Brooklyn, and Bentzy - who is studying to be a Hasidic rabbi - gets excited when he learns I was born a Jew.
My mother was a jew, and Bentzy says that makes me a Jew. Period. It doesn't matter that I don't consider myself Jewish.
Brett, my producer, does consider himself a Jew. He had a bar mitzvah and can recite Hebrew scripture from memory. But his mom converted to Judaism - she wasn't born a Jew.
Bentzy told us that "a Jew is a Jew is a Jew; there's no such thing as half a Jew." But it's clear to everyone in the room that he doesn't really consider Brett a Jew. This is most apparent when he pulls out a pair of small wooden box he calls tefillin.
He asks if I will join him in a prayer, and he proceeds to attach the boxes to my head and arm using long leather straps, which he says are made from the skins of kosher animals. He tells me they are filled with tiny scrolls of biblical verses.
Bentzy recites lines from the Torah in Hebrew, and I do my best to repeat them. This is what Bentzy does. He tries to connect with the "Jewish" soul in every Jew - especially nonpracticing Jews like me.
Bentzy spends nine hours each day studying the Jewish scripture and three hours praying. Sometimes at night he'll play basketball, but only after a full day of study and prayer.
"We are here for a reason, and the reason is not pleasure. Pleasure is not truth. When you think about it, pleasure is here today and gone tomorrow and it doesn't get you anywhere in life."
Soon he's talking about the 613 commandments, and I'm embarrassed to ask if the Ten Commandments are included. (They are; Jews have another 603 they need to follow.)
Bentzy is standing in front of the ark, the cabinet where the Torah scrolls he holds are stored. This is the spot where they read from the Torah during services.
At his feet is something that looks like a sidewalk grate. Desperate to get back to talking about things we can fully understand, we ask him what that is.
"That's so the women downstairs can hear the reading of the Torah." During the services, they send all the women to the basement.
At first, Bentzy gives the simple explanation that "there just isn't room up here for them." But then he adds that having women present would, obviously, be distracting for the men who are trying to pray. And they can hear just fine through the grate.
We ask if the women mind, and he says they complain all the time about it, but they're used to it.
The story above is from Michael Franzini's One Hundred Young Americans, reprinted on Neatorama with permission.
Check out our review of the One Hundred Young Americans book and website - or get your copy here.
"One Hundred Young Americans: Bentzy"

redpajama_set_name: RedPajamaCommonCrawl


Zoos around the country profoundly influence the lives of children by introducing them to the wonders of nature. By sharing their passion for conservation and preservation of wildlife, zoos help children connect with the environment and enhance their understanding and love of animals. In addition, parents appreciate the interactive exhibits, tours and educational programs that help their children learn more about animals and their habitats. A soft playground can further enhance the experience for families who visit your zoo.
Zoos with animal themed soft playgrounds help reinforce what children learned while visiting the zoo. They can explore and connect with replicas of the animals they just saw. A play park creates an interactive experience that blends hands-on-learning with fun. Kids will imagine that they're climbing trees with monkeys and walking with elephants. Fun memories from their visit to the zoo will help inspire children to care for nature and can spark an interest in conservation.
Children are able to explore, take risks and discover the world on their terms in a safe environment. Center Stage Productions play pieces are smooth and protective with grab points where children would expect them to be. Soft, squishy play pieces sit atop padded flooring, which absorbs impact and exceeds ASTM's standards for drop and fall ratings, and ultimately keeps children safe.
Specially designed with early learners' needs in mind, this active area will spark a sense of wonder in young visitors and develop their mental and motor skills through full-bodied play. Play has powerful impacts on young people's growth and development, influencing how our children progress into adulthood. Playing engages all of their senses and has an impact on both their emotional and physical development. It helps them learn how to problem-solve, fosters creativity and helps them concentrate. By playing in the zoo's play park, kids learn to love animals and develop lifelong conservation values.
Families are always searching for places that provide a fun, safe play space. It's an added bonus if the play space combines fun with educational opportunities. At your zoo's soft playground, parents will appreciate watching their children grow, explore, imagine and create. Children can describe what they have seen and ask questions. Parents can share their knowledge as well as their love of nature and animals.
Center Stage Productions creates custom play pieces, one at a time, to the specification of their clients. We can design play pieces that reflect the animals that the children have just seen. For added fun, we can have the animals make appropriate sounds when the children climb on them and can incorporate interactive wall games. All of our play pieces are versatile and can be used in an outdoor or indoor park, depending on your zoo's needs. A soft playground provides children an outlet for their energy and desire to learn. Your zoo's play space will complement the existing attractions and will lead to more family fun for your visitors.
Contact us for soft playground information or download our free eBook for more ideas on how to draw families to your zoo with a soft play park.


Great 3 bedroom one bath house . Eight blocks from UF and in the heart of Mid Town. Close to shopping and places to eat. Wood floors big bedrooms an extra study room . Also has nice big back yard and great parking .


Ms. Fancy Pants—Holiday Pant Looks for The Mature Woman!
Why Are Mother-of-the-Bride Dresses So Freaking Ugly?
The Shoes of Summer. Sandals, of Course!
Who Needs The Nordstrom Anniversary Sale When You Can Get The Goods At Nordstrom Rack?


Four years ago, when I was finishing high school, I had to make a choice: study for the Brazilian college admittance exams or focus on polishing my application for university in the USA. I chose the latter, and I will be upfront when I say that I do not regret my decision. Today, I face a similar choice: Should I pursue my post-undergraduate studies in Brazil or in the U.S.?
For many people, as was the case for my 17-year old self, this question may seem like a no-brainer. There is a very well-established stereotype that the top-notch American universities are simply the best out there. Nowadays, however, my take on that question is not that simple. When I look back at my academic formation in the USA and compare it to the academic formation some of my friends had at Brazil, I don't feel like I am more prepared than my peers. In fact, I find that the good students in Brazilian universities are just as prepared and have just as much intellectual development as the good students with whom I study in Georgetown.
The difference in our academic backgrounds, however, is the more liberal nature of (at least my) American education. And here is where it gets interesting. From my experience at Georgetown, and from what I know of American higher education, there are very few strict requirements imposed on students in American universities. Generally speaking, you are relatively free to take whichever classes you want, provided that those classes are under the scope of your major field of study.
To illustrate, I compared the master's degrees in economics from Duke and Fundação Getúlio Vargas (FGV), a Brazilian university. I chose to present a master's degree comparison here because the short two-year study period makes it simpler than comparing a four-year program, but the findings could probably apply to both undergraduate and Ph.D. programs as well. Duke's program works like this: You pick a field of study and then have a required number of courses that you have to take in certain areas. Most of the requirements are not course-specific, but area-specific (i.e. not "You need to take Microeconomics 101," but "You need to take one course in the microeconomics area"). With some fields of study, you can skip certain areas altogether. If you choose to get a master's degree in applied economics, for instance, you don't have to take any mathematics courses. In FGV, the approach is a bit different. There, all economics students need to take the same core structure: Microeconomics 1 through 4, Macroeconomics 1 through 3, Econometrics, Statistics 1 and 2, and Math for Economics 1 and 2. From then on, you can specialize in certain fields, and the elective structure seems to be the same as in Duke: you pick five electives, supposedly from your main area of interest.
This seems to be the same kind of difference that I noticed comparing what I studied in Georgetown as an undergraduate to what some of my friends studied in their undergraduate careers in Brazil. Now, is this more liberal education good or bad? There are factors pulling it each way, and the ideal solution, in my view, is a reasonable middle ground. What I see happening in American universities, however, is a little too much liberalization. As a result, I feel like there is a move away from the fundamentals. Too much liberty tends to encourage students to take the more "interesting" courses, and ignore those that are considered most "boring." The problem is that many of these "boring" courses are crucial foundational courses, that many times give students the analytical tools they need in order to be truly competent in their fields of study.
In the end, I feel like American universities sometimes delegate too much responsibility to students in terms of choosing their academic careers. For me, this is troubling. Students in their twenties usually have very little experience in the field they are studying, and many times they don't really know the tools they need to succeed in their area of interest. It is the certainly the case in my situation. Fortunately, I research and discuss a lot before picking my classes, and was able to take advantage of my liberal American education to build both a strong foundation and take classes that interest me (although I do have some regrets, as does anyone). But is this always the case? From my experience, I think not. What I see happening at Georgetown is that many students just pick the classes they find most interesting, without any real consideration of how it is going to support their overall academic formation. The result is a deficit in fundamentals — and a deficit in fundamentals is one of the most dangerous to have.


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HIV: A VIRUS THAT THRIVES ON INEQUALITY
HIV continues as a major public health issue with some regions of the world and certain communities disproportionately affected.
Globally, the number of adults and children losing their lives to AIDS-related illnesses continues to fall; new HIV infections are also declining.[1]
Work remains to reach the ambitious targets that the global health community has set however. Here, we focus on the groups and regions most affected by the epidemic, the progress so far and the efforts required to ensure no-one affected by HIV is left behind
Adolescents & Young People, Particularly Girls & Young Women
Several factors put adolescents and young people, particularly girls and young women, at risk of HIV. These include poor access to healthcare and education, limited empowerment, representation and opportunities to contribute to decision making with partners, family members and communities, gender-based violence, other harmful cultural norms such as female genital mutilation/cutting (FGM), and – as with all communities – structural/social drivers such as stigma, discrimination and poverty.
Positive Action for Girls & Women is a rights-based initiative that aims to empower young women and girls across the globe, tackling gender-based violence, early/forced marriage and inequality.
Positive Action for Adolescents supports and evaluates the impact of new behavioural and service delivery interventions for HIV prevention, testing and care.
There have been promising gains for children affected by HIV. New HIV infections amongst the world's children have fallen dramatically in recent years from 300,000 in 2010 to 160,000 in 2016. AIDS-related illnesses remain among the leading causes of infant mortality however . 1
Positive Action for Children Fund supports organisations working to end paediatric HIV specifically the elimination of mother-to-child transmission of HIV by empowering mothers and children across the world.
In parts of the world with lower prevalence of HIV, most new HIV infections occur amongst 'key populations' – gay, bisexual and other men who have sex with men (MSM), transgender people, sex workers, people who inject drugs, and prisoners. Outside of sub-Saharan Africa, key populations and their sexual partners accounted for more than 80% of new infections in 2015. Key populations are essential to focus on in Africa too however – in the same year, 25% of new infections in Africa occurred amongst these communities and their sexual partners.1
Gay, Bisexual & Other Men Who Have Sex With Men
Men who have sex with men (MSM) are 24 times more likely to be living with HIV than the general population.[2] Access to culturally-competent care is hindered by several factors including criminalisation of same-sex relationships, hostile communities, homophobic discrimination and violence, external and internal stigma, and limited health education.
Transgender Women, Transgender Men, People Who Are Gender Diverse & Intersex People
Transgender people are those people whose gender identity differs from the sex they were assigned at birth. Some people identify with one gender, others with multiple genders or no gender. Transgender women are 49 times more likely to be living with HIV than the general population; global data for transgender men is limited.[3] Low coverage of gender-affirming care, transphobic stigma, discrimination and violence, marginalisation , a lack of recognition of gender identity and infringements on human rights all contribute to HIV vulnerabilities for transgender people. Intersex people, those people born with ambiguous genitalia, can also be subject to marginalisation and discrimination and greater risk of HIV.[4]
Positive Action for MSM & Transgender People aims to improve sexual health and wellbeing and advance and social and economic justice for men who have sex with men and transgender people in resource-limited and hostile settings. By doing so, it aims to demonstrate that supporting community-level interventions to address HIV in combination with other holistic needs can significantly reduce HIV incidence, STI mortality and AIDS-related mortality.
Sex workers are subject to discrimination, violence, and punitive legal and social environments, each of which contributes to HIV vulnerability.
People Who Inject Drugs
People who inject drugs can be at greater risk of HIV for numerous reasons including punitive laws, few if any prevention services and societal stigma. Approximately 13% of people who inject drugs are living with HIV.
Prisoners & Others in Closed Settings
HIV vulnerability is higher amongst prisoners due to numerous factors including limited availability of condoms and prevention services, sexual violence and limited harm reduction services which can lead to unsafe injecting practices.[4]
Additionally, some people with disabilities, older people living with HIV and migrants & internally displaced people are often disproportionately affected by HIV.[4]
Our Positive Action Programmes support initiatives focused on people who inject drugs, sex workers and prisoners, and we are currently exploring innovative ways to better support key populations and others.
The majority of people living with HIV are in low- and middle-income countries. Sub-Saharan Africa is particularly affected, with the east and south of the continent home to more people living with HIV than the rest of the world combined. Eastern Europe and Central Asia is the only region in the world where gains against HIV epidemics made elsewhere are not evident.[5]
In the developed world, the relative burden of HIV in specific communities is often comparable to that of more resource-limited countries. HIV continues to affect communities in all regions and a sustained global response will be required to ensure no-one affected by HIV is left behind.
In addition to our Positive Action Programmes described above we also support community partnership initiatives in many of the countries where we operate, tailored to the needs of local communities.
Examples include Positive Action Programmes in the US (ACCELERATE!, Positive Action Southern Initiative, Positive Action for Youth, Positive Action for Women, and Positive Action Community Grants) and across Europe (Positive Action Europe and Positive Action Community Grants).
[1] UNAIDS (2017). Data 2017. Available online: http://www.unaids.org/sites/default/files/media_asset/20170720_Data_book_2017_en.pdf
[2] Avert (2017). Men Who Have Sex With Men, HIV & AIDS. Available online: https://www.avert.org/professionals/hiv-social-issues/key-affected-populations/men-sex-men
[3] Avert (2017). Transgender People, HIV & AIDS. Available online: https://www.avert.org/professionals/hiv-social-issues/key-affected-populations/transgender
[4] UNAIDS (2014). Gap Report. Available online: http://www.unaids.org/en/resources/campaigns/2014/2014gapreport/gapreport/
[5] Avert (2017). Global HIV & AIDS Statistics. Available online: https://www.avert.org/global-hiv-and-aids-statistics
Innovation & HIV Science
Advancing HIV Treatment and Care
Partnerships & Key Populations
U=U: Undetectable equals Untransmittable


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11/01/2019 1:17 PM IST | Updated 11/01/2019 1:29 PM IST
Kerala's Alappad Could Be Wiped Off The Map If It Doesn't Fight Off Sand Mining Soon
Poorly erected seawalls are failing miserably in preventing sea erosion and protecting Alappad from a total wipe-out.
By K.A. Shaji
Abhirami MS
An aerial view of sea erosion in Alappad.
The mighty Arabian Sea appears to be under the impression that Kerala's Alappad panchayat belongs to it. The sea began claiming the 17-km long region from December 2004 when the tsunami struck India's coast. Alappad had lost 129 lives in the tragedy. Since then, the sea has been eating into this once thriving fishing village where the public sector company Indian Rare Earths Limited (IREL) remains engaged in indiscriminate mineral sand mining.
In most areas, the panchayat — located between a backwater region and the sea — has turned into a narrow strip with a width of no more than 500 meters, with some portions as narrow as 33 meters.
Poorly erected seawalls are failing miserably in preventing sea erosion and protecting the Alappad from a total wipe-out. "By the next monsoon, the sea will reinforce its attempts to claim the land by breaching the remaining sand wall. Doomsday is not far away and Alappad will soon disappear from India's map," laments Cibi Boney, a local panchayat member of the Revolutionary Marxist Party (RSP).
Rahul Sathyan SK
An area where sea has eaten the land in Alappad.
#SaveAlappad
After 70 days of relay hunger strike by residents demanding an end to the mineral sand mining and efforts to safe keep the panchayat for future generations, the youth in Alappad started a hashtag campaign #SaveAlappad on social media.
The campaign caught wide public attention as young people across Kerala shared the hashtag on Facebook and Twitter. As prominent personalities including film stars and social workers shared the campaign, Kerala's mainstream media which had ignored the panchayat and its protests for long was forced to sit up and take notice. Malayalam film actors Prithviraj, Jayasurya and Tovino Thomas and Tamil star Vijay were among those who shared posts on Alappad's plight.
The spotlight on Alappad has angered Kerala's ruling Left Democratic Front (LDF) and its social media campaigners, who say the movement is sponsored by private interests in the state's mineral sand mining sector and targets a public sector company that supports a number of families in the entire coastal belt of Kollam and Alappuzha districts. On social media, LDF supporters have also accused the movement of soliciting the Sangh Parivar's support.
"From where did the struggle get this sudden fillip? Sea erosion has been an issue since December 2004 after the tsunami hit the region. There is an organised bid to thwart the public sector mineral sand mining and to facilitate entry of private players,'' Kerala's fisheries minister J Mercykutty Amma told HuffPost India.
However, Boney says the local protest movement has no partisan politics, just a collective will for survival.
"There is not even an iota of truth in the response of the minister and the CPI(M) sympathisers who are engaged in a counter campaign against us on social media. You can see the reality and be convinced yourself. This is no longer a thriving coastal hamlet as it once was. The panchayat is now almost a frail sand ridge dividing the sea and the inland waterway,'' says Boney. The erosion has forced the over 5,000 families to move from their homes, she says.
Earth movers digging mineral sand in Alappad.
20,000 acres gone in 20 years
Going by land records the protestors possess, the area of the panchayat has shrunk from 89.5 sq km to 7.6 sq km in the last two decades. This means the sea has swallowed over 20,000 acres of land.
Public sector companies IREL and Kerala Minerals and Metals Limited (KMML) began sand mining on the Kollam-Alappuzha coast in 1965. Its immediate impact was the vanishing of protective mud banks from the shore. Traditional fish workers, who formed the majority of local residents, had to relocate to other places in search of livelihood.
A study conducted by the Institute for Ocean Management in 2008 showed that the highest coastal erosion in Kerala was reported from Alappad and the adjacent Arattupuzha, Thrikkunnapuzha, and Purakkad panchayats.
"What Alappad is witnessing now is a blatant violation of the National Mineral Policy, Environment Protection Act, Coastal Regulation Zone (CRZ), and Kerala Conservation of Paddy Land and Wetland Act. Only two weeks ago, the sea entered the backwaters at Vellanathuruthu, a mining site in the panchayat that had a width of 3.5 km," points out environmental activist and lawyer Hareesh Vasudevan.
"The government move to silence the affected villagers must be condemned at any cost. Without state government permission, no private player can enter this area. It is an open secret that Aluva-based Cochin Minerals and Rutile Limited (CMRL) and Thoothukudi-based VV Minerals Limited are the two private players in the field who wish to further exploit the Kollam-Alapuzha coastal region. All political parties in Kerala are mainlining good rapport with these two companies. The government has to expose that unholy nexus first,'' says Rahul Sathyan, a local youth engaged in the hashtag campaign.
The residents of Alappad are demanding a complete ban on mining. "The companies argue that they have permission till 2020 for engage in mining. But, by then, there will be no Alappad. The government which has turned a blind eye to our struggle so far, is now spreading canards" says local action council leader K.C. Sreekumar.
In spite of the counter campaigns, the unexpected support pouring in from all quarters has made residents hopeful. "Social media has made our struggle more visible and now the government is left with no option but to intervene," says Sreekumar.
People say the sea erosion has exposed a vital water supply pipeline through the panchayat, and a pipe burst is imminent. For the region, which is below sea level and has close to 7,000 houses but no wells, the pipeline is the only source of drinking water.
Earth movers in action at Alappad for mineral sand mining.
Sand mining - public vs private sector
The sand dunes on the coast of Alappad are rich in the minerals ilmenite, rutile, zircon, monazite, leucoxene (brown ilmenite), sillimanite and garnet. Sand mining in the area poses grave environmental as well as livelihood problems not just in Alappad but also for the nearby villages.
"The Valiyazhikkal-Thottappilly stretch is a highly erosion-prone coastline. The mineral-rich sand coast had acted as a sea wall protecting the area from erosion, and prevented sea water from flowing on to the rice fields in Kuttanad, which are close to this area as well as below sea level,'' says advocate and environment activist Hareesh Vasudevan. The indiscriminate mining has taken away this natural protection, destroying crops in Kuttanad, he says.
Walking around Alappad, one can see abandoned houses, temples, schools and other buildings as well as dried up, red-coloured ponds and mangrove forests can be seen in the panchayat.
"Most people of Alappad have been forced to leave their houses because of the sea erosion. Neither the government nor the mining companies had provided them any compensations'' says Boney.
In 1991, following the union government's economic liberalisation, private investment was permitted in the mineral sand mining sector. By 1998, the union government had even permitted mining collaboration with foreign companies. But Kerala has been resisting all attempts by the Centre to allow private players and foreign capital in this sector. The state government feels that any attempts to weaken the public sector companies would turn into an advantage for the private players, eager to reap huge profits from the region.
"We will stand with the state government to resist any attempt to allow private players here. Our concern is land, livelihood and survival. In order to protect them, we will continue to remain vocal about the evil impacts of mining by public sector companies,'' says Seekumar.
K.A. Shaji Writer
MORE: kerala mining sand mining LDF Arabian Sea Alappad


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The water fight waged by Florida and Alabama against Georgia has been going on for years. This week, a judge struck down another legal challenge over how much water Georgia can get from the Chattahoochee River. This is the second win for Georgia this year. Last spring, the U.S. Supreme Court ended Florida's effort to put a cap on Georgia's water use. Apalachicola Bay in the Florida Panhandle has been a focus in these water fights. The Florida Fish and Wildlife Conservation Commission has shut down the Bay's oyster fishery after years of drought devastated wild oyster beds as wel las the people who depend on the oyster industry for their livelihoods. WFSU's Gina Jordan spoke with reporter Molly Samuel at WABE public radio in Atlanta
As kids are heading back to the classroom for in-person school this year, concerns about rising pediatric coronavirus cases are growing. Regan McCarthy reports doctors are urging masks and vaccines to help reduce the virus' spread.
Governor Ron DeSantis is backing away from his original threat to defund public school districts and dock the pay of superintendents and school board members. He now says he'll withhold the equivalent amount of those salaries from the money the state sends to the offending school districts. The threat comes as a result of a few districts imposing student mask mandates in violation of DeSantis's executive order that no such mandates be imposed. Lynn Hatter has the latest.
A Leon County judge spent more than an hour this (Friday) afternoon considering the legal challenges by the parents to the governor's mask mandate ban. Lynn Hatter tells Tom Flanigan what happened in the course of those proceedings and what occurs next.
There were nearly 5-thousand teacher vacancies and about 37-hundred support staff position openings across Florida at the start of August. Local districts are seeking bus drivers, food service workers, classroom aides and certified instructors. Those numbers come from an annual survey by the statewide teachers' union — the Florida Education Association or F-E-A. Valerie Crowder reports the union has tracked a sharp increase in vacancies since this time last year.


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Monthly Playlist: Aug. 2020
We certainly had an overload of great tunes this month, with new releases from the likes of Cardi B, billie eilish and more. Below is a run-down of our top five picks for the month that was. Take a look and let us know if you agree!
5. "30 People" by Token
Clocking in at #5 is "30 People" from Boston rapper Token. The song features deep, mysterious bass tones that syncs perfectly with Token's confident flow. Although he's just 21, Token (born Ben Goldberg) has had literally a decade of experience, having started writing raps at age 10. It's impossible to downplay the smoothness of his non-stop, clear lyrics – and he writes well, too. The entire song is essentially a diss track for all those who secretly wish for the talented rapper to fail. "Congratulation messages always blowing my cell / But I can name you thirty people who hoping I fail," he says on the main hook, and you don't doubt it for a second.
4. "my future" by billie eilish
Technically, this was released at the very end of July, and we missed it in that month's playlist – but we absolutely couldn't let this song pass by. Vibe-wise, "my future" differs greatly from billie's chart-busting debut album, with notable focus on the vulnerable side of billie's angelic voice. The song starts off bare, with just her ethereal notes floating across gentle guitar strums. Halfway though, a smartly-produced beat changes the pace to a lovely, light pop song. The pace change is symbolic too, with the poppier back half featuring some rare self-love from the gothic billie ("I'm in love with my future / and you don't know her"). Props to billie's brother (and multi-Grammy-award-winner) Finneas for pulling off yet another seamless production.
3. "Vampire" by Dominic Fike
"Vampire" sounds like the Song of the Summer™ had this been a normal summer. Creating such content isn't new to 24-year-old singer-songwriter-rapper Dominic Fike, who was the subject of a bidding war after six-song EP a few years ago. What those labels saw in him then can be seen on "Vampire"; essentially, Fike innately understands how to mix the best bits of genres together into a catchy track. The track meshes pleasant guitar strums with Fike's easy-going bars and chorus, with tons of little lilts and details that make it surprisingly repeatable.
2. "Tangerine" by Glass Animals
As our readers know, we didn't rate the new Glass Animals too highly (and we certainly heard from some of you about that!). Overall, Dreamland is made up of fantastic singles that have been out in the public eye for months (think "Tokyo Drifting" or "Your Love"), interspersed between so-so new tracks. However, one of the great new tracks that came out with the August release of the album was "Tangerine", a light, summery track that's as well-produced as anything in the Glass Animals repertoire. And no, you're not the only one who thought the beach-y intro sounds like Drake's "Hotline Bling".
1. "WAP" by Cardi B feat. Megan thee Stallion
In truth, the August 2020 Monthly Playlist was really an exercise in figuring out positions 5 through 2, because it was unlikely that anything could beat the phenomenon that is "WAP". Not a full month has passed since this Cardi B / Megan thee Stallion collab landed, but the song has already cemented an iconic status in the annals of female rap (and really, rap in general). In case you have been living in an Internet-free deep quarantine, here's a quick rundown. Cardi and Megan (arguably the two biggest female rappers of our times; sorry, Nicki) trade line after line of raunchy boasts and sexual requirements, all in their signature whip-smart rap styles. In that way, they completely flip the script on the sexual power equation, especially in rap, simply by specifying exactly what they want as women.
Naturally, the song has drawn the ire of sexually-repressed right-wing halfwits everywhere, but Cardi and Megan are not writing this song for any man's pleasure, sexual or otherwise. Men will mansplain to you that "WAP" isn't about female empowerment, but take it from women everywhere: "WAP" is fun, powerful, and just a damn good track.
Tags: billie eilish, cardi b, dominic fike, glass animals, hip hop, megan thee stallion, monthlyplaylist, my future, pop, rap, tangerine, vampire, WAP
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Explore all the Bubbly Flavors at Bishop Cider Co.
Come for the cider and stay for all the arcade games you can handle!
VisitDallas Staff
If only all things could begin with love and cider. Fortunately for Joel & Laura Malone, that's exactly how it began for the bubbly Bishop Cider Co. that's crafted right here in Dallas!
This husband and wife duo started Bishop Cider Co. back in 2014 after tinkering with their own home brew for years. Fast forward to today and thousands of kegs later, the Malone's have hit their stride with a growing collection of tasty ciders.
A post shared by Bishop Cider (@bishopcider) on Dec 2, 2016 at 2:37pm PST
I had the chance to visit their tap room in Bishop Arts where you can sip your way through their most popular creations six days a week. After chumming it up with their in-house cider master, I felt so much better about choosing a cider that fit my palate. For me, I typically gravitate towards a cider that pops with flavor and is super refreshing. Surprise, surprise, my favorites turned out to be a couple of their best sellers. Crackberry is king while their original cider recipe (one that goes back to the Malone's college days) is always a close runner-up. Order the cider flight if you're new to the cider game. It's the best way to try out different flavors before you go all in with your new favorite pint.
A post shared by Dianna Woodward (@diannawoodward) on Mar 5, 2017 at 4:33pm PST
But the real star of the show is Cidercade that's located in the Design District. Cidercade is one of the most fun and interesting concepts in Dallas, which comes complete with more than 100 different arcade games that will keep you and your friends entertained all night long. You'll find vintage classics like Centipede, Galaga and Mrs. Pacman. On one side there is an entire wall dedicated to pinball. It's a gamer's dream come true!
You can't beat the classics!
It's like pinball heaven.
Admission is $10 for unlimited game play. Plus, it's family-friendly, too! Kiddos are welcome to enjoy a classic gaming experience during the day before the age limit turns to 18 and up after 8 p.m.
And there's no need to worry about getting hungry. You can bring your own food, order in from your favorite local eateries or satisfy your cravings from one of the food trucks that pull up on Saturday nights.
Just make sure to find some time to pair it with a cider that's regularly on tap. Try some of the most exotic and seasonal flavors like Mango Habanero, Dreamsicle and Salted Caramel Apple, just to name a few.
What's your favorite cider?
In addition to the rows of games, cider enthusiasts can take part in a tour where you'll learn all about cider fermentation, the canning process and more with the founder and in-house cider whisperer, Joel Malone. The tour is free with admission to the Cidercade on the first Saturday of every month beginning at 12:30 p.m.
Just short of growing an apple orchard out back, it simply doesn't get any more local than this. Grab a friend, order a pint, pick your game and see if you have what it takes to set a new high score. Cheers!
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Kathleen Madigan
Kathleen Madigan Event homeCustomer reviews Trevor NoahTim AllenAn Evening with KatyaMystery Science Theater 3000 LiveDane CookWerq The World 2019Jim Gaffigan
Closed November 16, 2018
Nick Offerman (Dec 5, 2019)
Hard Rock Live Please selectVenue homeLocation and directionsPre-theatre diningOvernight accommodationSeating maps Classic Albums Live (Until Oct 25, 2019)Howard Jones (Jul 23, 2019)Slash (Aug 13, 2019)Gavin DeGraw (Aug 17, 2019)Beres Hammond (Aug 24, 2019)Australian Pink Floyd Show (Sep 3, 2019)Babymetal (Sep 4, 2019)Bone Thugs N Harmony (Sep 26, 2019)Adam Ant (Sep 29, 2019)Peppa Pig Live (Oct 3, 2019)Scott Stapp (Oct 4, 2019)Maggie Rogers (Oct 12, 2019)Nate Bargatze (Oct 18, 2019)Anjelah Johnson (Oct 19, 2019)Ace Frehley (Oct 27, 2019)Bianca Del Rio (Nov 1, 2019)Alice Cooper (Nov 6, 2019)AJR (Nov 8, 2019)Daniel Habif (Nov 9, 2019)Elvis Costello (Nov 11, 2019)Mystery Science Theater 3000 Live (Nov 30, 2019)Nick Offerman (Dec 5, 2019)Keith Sweat (Jan 17, 2020)America (Mar 22, 2020)
Sorry! You missed Kathleen Madigan at Hard Rock Live
Unfortunately, we don't have any information about upcoming performances of this show. Maybe we can interest you with something similar from the options below...
Along with Lewis Black, Brian Regan and Jim Gaffigan, she's one of the funniest stand-up comedians of her generation.
Why See Kathleen Madigan?
Comedy & Stand-up
Boxed Wine and Bigfoot tour!
Described by comedy peer Lewis Black as the "funniest woman in America", the winner of the American Comedy Award for Best Female Comedian is a triple threat; as well as her sell-out tours, Madigan is a favorite on late night talk shows and nationally-syndicated radio shows. With an enviable career spanning nearly 30 years on the comedy circuit, she has the distinction of being one of few comics to appear on every major late night show including Leno, Letterman, Conan and Ferguson.
A wise-cracking, unpretentious observant of everyday life, the diminiative, witty Missouri native is a towering presence on the comedy scene, covering every subject from over-inflated celebrity, pompous politicians, her chaotic family and even that random wacko in the airport lounge.
Performance date: 16 November 2018
Suitable for ages 14+ with parental discretion advised
1 reviews, average rating: (5.0 Stars)
Jullane Jackson: "Histerically funny lady"
My sister and brother-in-law attended Kathleen's Milwaukee show. I don't... more
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Please note: The term Hard Rock Live and/or Kathleen Madigan as well as all associated graphics, logos, and/or other trademarks, tradenames or copyrights are the property of the Hard Rock Live and/or Kathleen Madigan and are used herein for factual descriptive purposes only. We are in no way associated with or authorized by the Hard Rock Live and/or Kathleen Madigan and neither that entity nor any of its affiliates have licensed or endorsed us to sell tickets, goods and or services in conjunction with their events.


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Home » Largest » Largest Crocodiles in the World
Saturday, November 26th 2011. | Largest
Largest crocodiles weighs one ton and is believed responsible for eating at least one fisherman, but this monster crocodile has finally been caught by 100 very cautious men. Bunawan, Agusan del Sur, Philippines—A 21-foot (6.4m) long crocodile weighing one tonne (1,075 kg), suspected of attacking several people has been caught in the.
Local residents had been fearful of crocodile attacks since a fisherman and young girl had gone missing over the past year. The largest crocodiles was caught, after a three-week hunt, in a creek in the Philippines by villagers who had lived in fear of it for more than 20 years. It took three weeks to hunt down the giant crocodile and nearly 100 people to take it out of the water.
It twice broke from restraining ropes before it was properly secured and it became extremely "aggressive" several times. The largest crocodiles was named "Lolong," after one of its captors Ernesto "Lolong" Conate, a Palawan-based crocodile hunter who was part of the team that helped captured the gigantic crocodile but died from heart attack at the course of their mission.
The World's largest crocodiles Captured, named Lolong after a wildlife expert who died of a stroke during the two-week hunt for the buffalo-killer, will live in a cage to be built in Barangay Consuelo in Bunawan, Agusan del Sur. Local officials who will care for Lolong will be aided by a team from the Protected Areas and Wildlife Bureau (PAWB).
He's currently living in temporary dwellings in the village of Consuelo, where the nature park is temporarily closed to help Lolong adjust to his new environment. The Protected Areas and Wildlife Bureau (PAWB) will be coming up with a set of rules and regulations for the proposed public viewing of the largest crocodiles in captivity, noting that the gigantic animal should also be treated with respect.
tags: largest crocodile, largest crocodiles in the world
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Coal production up in Colorado and Utah in 3Q SNL reports
By Mark Jaffe
coal, Colorado, Energy, mining, Utah
Coal production was up 25 percent in Colorado and Utah in the third quarter of 2011 compared with the same period in 2010, according to a report by SNL, a financial analysis and data firm.
The Uinta Basin mines – 15 producing mine and two not producing – shipped 12.2 million tons of coal during the quarter, up from 9.7 million in the third quarter of 2010, according to an SNL Energy analysis of U.S. Mine Safety and Health Administration data.
"The results are promising," said Stuart Sanderson, president of the Colorado Mining Association. "But the jury is still out on whether there will be a significant turn-around."
Sanderson said that Colorado production is still far below the 45 million ton peak of 2004.
Bowie Resources LLC's Bowie No. 2 Mine, north of Paonia, increased production almost four-fold to 965,361 tons. The mine had temporarily halted production in June when a geological fault was discovered.
Peabody Energy Corp.'s Foidel Creek Mine, in Routt County, saw production increase 20 percent to 2.4 million tons. Earlier in this year the mine – also know as Twentymile – faced geology problems and a fire at an electrical substation.
"A major future boost for Colorado coal production is that Canada-listed Cline Mining Corp. at the end of 2010 was able to restart, after many years of shutdown, the New Elk deep mine in Las Animas County," SNL analysts Dan Lowrey and Jesse Gilbert, said in their report.
The mine produces the highly sought after coal, used in making steel and Cline said it expects to be producing 3 million tons a year in 2012. Cline has said coal resource is estimated at 388.5 million tons.
Categories: Colorado Business
Black Friday advances and consumers need to know
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Golive Mobile tops Inc.'s list in Colorado — 64 comments
Jim Hansen: Climate Change is the GOP's worst nightmare — 56 comments
When a wind turbine comes knocking: Wind farms have no impact on home values — 43 comments
Mail scam: Award for plane tix on nonexistent US Airlines — 40 comments
The new normal: US coal-fire power plants close, coal mines idle — 31 comments
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On The four cheapest ways to spend next winter on Colorado's slopes
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Then, I went out leaving my computer on, and when I came back, I got a Dell alert hard drive not found with a message like the following list: 'Internal hard disk …... 8/04/2013 · It used to start up with the Dell logo on a black screen and there would be those F2, F12 options to take me to the boot options or set up, then it would display the Windows logo and then it would go to the welcome screen and desktop. The start up repair menus are accessed through the F8 keys and it won't let me access them now. I also can't use the Windows disc for the same reason.
Press F1 or F2 after powering on the computer. Some Lenovo products have a small Novo button on the side (next to the power button) that you can press (you might have to … how to use a laptop as a keyboard On Dell laptop continuously press F2 to enter Bios setup after you power on your laptop until you see the Dell logo with a message Entering set up appears. 2. Some older Dell laptops either use Del key or a combination of Ctrl+Alt+Enter keys to enter Bios.
Alright, so I have a Dell Laptop. I am trying to access my BIOS settings to change my SATA configurations (long store), but I can't see my screen! This is because, sadly, I cracked my screen internally so now I have to use an old 2005 VGA monitor to see my screen.
Power down your computer. Wait 10 seconds and power it up. Press F2 at the Dell BIOS Screen. This will take you to the BIOS setup. Press the [→] key and then the [enter] key to select the Advanced tab. Press the [↓] key until you get to Function Keys and press [Enter].


SparkNotes Editors. "SparkNote on A Rose for Emily." SparkNotes.com. SparkNotes LLC. 2007. Web. 25 Apr. 2019.
SparkNotes Editors. "SparkNote on A Rose for Emily." SparkNotes LLC. 2007. http://www.sparknotes.com/short-stories/a-rose-for-emily/ (accessed April 25, 2019).
1 SparkNotes Editors. "SparkNote on A Rose for Emily." SparkNotes LLC. 2007. http://www.sparknotes.com/short-stories/a-rose-for-emily/ (accessed April 25, 2019).


Scorpion is an open framework for machine vision. This section describes how to use Numpy with Scorpion Vision Software.
The section contains an arrToNumpy python module. Arrlib is the Scorpion image processing library. The module contains primarily modules to convert back and forth between arrlib and Numpy data structures.
It is possible to convert arrlib array to numpy array and use numpy functions for array manipulations.


While scrolling the news feed of my Instagram, I came across an instastory of an ex-schoolmate of mine. She shared these 12 questions which are quite interesting for me to reflect and to make a review of my 2017.
I don't really have a personal diary to keep this, so I am taking the risk to share it here. Nothing much for you guys to read, it is more to my own memory. Just hoping that things you've read will be kept exclusively here, especially those who knows me personally.
1. What were your top 10 greatest achievements in 2017?
Seems like I can't recall them. But, let me try.
2. What were your top 10 greatest lessons in 2017?
"Procrastination is your enemy. It doesn't kill you. It destroys your future."
"It is okay to make mistakes, but not repetitive mistakes without any attempts to change them."
"The real test of your character is when circumstances don't go the way you want. Will you then remain a kind, caring & good-hearted person?"
"The hardest decision you'll ever face in life is choosing whether to walk away or try harder."
"Always make time for your parents and treat them well. Because one day, when you look up from your phone, they won't be there anymore"
"It's about trust. They gave freedom and please take care of it. Jangan rosakkan nama family. They will always trust you."
"Do you still remember those days you prayed to have something you have now?"
"Don't just be good to others, be good to yourself too."
"Never have I dealt with anything more difficult than my own soul, which sometimes help me and sometimes opposes me. - Imam Al-Ghazali"
"Remember Allah in your time of ease and He will remember you in your time of difficulty."
3. What was the biggest risk you took in 2017?
I took a huge step to involve myself in a relationship with the goal of marriage. Wow, such a confession. T_T But, it did not end well. It was complicated and confusing enough but I guess it ended for our own good?
Just please pray for me that I will totally let it go (still on my way to, I can do this!) and refresh my mind that I will met someone better for me.
4. What was the smartest decision you made?
Backing off from anything that will hurt me more, before I continue sacrificing my self-worth.
5. What three important relationships that have improved the most?
With my parents. Well, I've stayed away from home for quite a long time. It was a bit hard to adapt with the fact that they are growing older. But, this is something that I have improved and still need to improve myself - taking good care of them.
With my brother. Haha we never go a day without sibling arguments. Biasalah, setiap masa ada je benda nak annoy each other. :D :D But, I think this improved so much than before.
With my long-lost friends. I tried to reconnect with friends whom I've not contacted since ages. Alhamdulillah, it feels great to be able to reach each other and talk about random stuffs and life.
6. Who are the three people who have had a huge impact on your life in 2017?
That someone. I can't say I regret knowing each other. One of the impressive people I've met, but luck was not on our side.
Ayah. The moment when he can keep calm and be diplomatic much when handling issues involving emotions, I mean if it is me, I might turn into a hulk.
My cousin. She is strong enough to face A LOT OF CHALLENGES before her wedding ceremony! Serious sprained ankle. Chickenpox. Job problems.
7. What are the three compliments you would have liked to have been given to you in 2017?
"You have done a good job, in mostly everything. It is the effort that counts. Nevertheless, you did great! :)"
"It is okay not to achieve that something right now, your time will come and you will shine!"
"You are a strong girl, I know. But, please know that it is okay to cry. Let it out, let it go."
8. What are the three things you are most grateful for?
A brand new day, every time I wake up in the morning. Another day to explore.
Never ending support from my family.
Feeling of contentment somehow despite the struggles.
9. What one word sums up your entire 2017?
"2017? A year with the most challenges, with the most rizq (rezeki), with the saddest events and with the happiest moments."
10. What are the three biggest necessary endings for you before 2017?
Disagree in childish manner with parents.
11. What are the three habits that you would like to develop entering into 2018?
5km run at least 3x a week.
Berlapang dada, be more grateful.
12. What is the one word/sentence that describes your theme for 2018?
I am looking forward for another amazing year.
2017 has been good to me so far, despite some challenges here and there where I literally lost myself and approaching the end of year, I think I am slowly recovering and getting back to the real me. Not 100% as things changed, incidents happened - life will never be the same again. But, I guess it is time to re-brand myself and be better in another way.
Maybe to conclude a year needs a special blog post and I will try my best to write one.
But, this one is to reserve memorable experiences I gained with my parents in Makkah and Madinah. Alhamdulillah, finally I had the chance to go there after years of planning.
It was beautiful, in its own way.
the A T M O S P H E R E.
That can never be found anywhere else.
50 KM in 21 Days Done!
This post is just as appreciation and to congratulate myself on trying my best to be discipline in keep running for a total of 50 kilometers within 21 days. :) It was hard, honestly - from time management, energy, laziness, other priorities, other attractions etc but alhamdulillah while doing this, I manage to maintain my weight since I returned home for good. Yeay!
Well, not to gain weight at home is such a bless!
Despite all these yummy food.
Towards more medals and most importantly, towards good health and healthy lifestyle. Ameen.
Fuh fuhhh, inhale exhale. Deeply.
And here we go, another giveaway :) We are really approaching the end of 2017, let's live this year to the fullest with few days remaining. Ewah ewahh, ramai bloggers buat giveaways sekarang ni nampaknya.
2. Create an entry titled "Comeback Giveaway by Raydah Alhabsyi"
3. Copy the banner and backlink to this entry.
4. Don't forget to leave your link that entry's comment.
The gift is quite interesting for me - a jar of Organic Hair Removal by Norah (pick either Hot or Cold Norah) I've been reading that using wax is another good alternative to get rid of our body hairs instead of shaving. So, looking forward to this.
4. Copy the banner and write a post with the title " Duck Giveaway by Blog Nadiaizzaty.nia " ( Please backlink to this blog ).
5. Most importantly, publish the post and leave your post link in the comment column below.
To fulfill all the rules is an easy task for me as I've done rules #1, #2, #3 ages ago, I am sure. But I am so sorry Nadia as I join this giveaway this late. My life is quite time-demanding right now for me hoho.
"Semoga Hanis Amanina jadi first winner dan menang Duck Scarf!"
Click any of the pictures above to see more details on the giveaway, or simply click HERE!
The giveaway will end on 25th December 2017, be fast guys!


text:
marks March 29, 2018 at 23:59
Astronomers have discovered a galaxy in which there is no dark matter
Popular science ,
An "impossible" galaxy without dark matter. As you can see, the impossible - possibly
Dark matter , despite the fact that they write and talk about it everywhere and everywhere - is just a hypothetical form of matter. According to one hypothesis, now generally accepted, it does not emit electromagnetic radiation and does not directly interact with it. As a result, dark matter is difficult to directly detect by methods that are used by man. However, there are methods of indirect detection - for example, by gravitational influence on nearby objects. Clarification of the nature of dark matter, according to astronomers, allows us to solve the problem of hidden mass, which, in particular, lies in the abnormally high speed of rotation of the outer regions of galaxies.
Dark matter exerts a gravitational influence, sometimes very strong, on the behavior of stars, their clusters and other objects. This is exactly how scientists discover this mysterious form of matter (unless, of course, this is really dark matter). At the moment, in almost all discovered and studied galaxies, signs of the existence of dark matter have been found. But recently, astronomers have discovered a galaxy in which, apparently, there is no this form of matter. Why? No one knows.
The galaxy was discovered by chance , largely due to the fact that it did not behave as it should if it were "normal". Found it with Dragonfly Array , a host of small telescopes designed to detect faint objects that emit a minimum of light. While observing a group of galaxies NGC 1052, it was this group of telescopes that "spotted" an object that had previously been seen in this part of the sky.
"We noticed it, because there is a pretty big difference in how it appeared before Dragonfly Array and its display in the Sloan Digital Sky Survey data," the authors of the study on the "bright galaxy" said. The object was a diffuse element with some structures inside.
Detailed observation of it with the Hubble and the 10-meter Keck telescope made it possible to see some details of the image of the object, called NGC1052 – DF2. As it turned out, it is a galaxy belonging to the recently discovered class of ultra-diffuse galaxies. This type of galaxy is like a bubble through which you can see everything behind it.
Such galaxies have been discovered repeatedly, although infrequently in some galactic clusters. Some of them interacted with neighboring galaxies, giving them their own stars and gas-dust structures. But dark matter remained with them, so it can be said that some diffuse galaxies received "enrichment" with dark matter.
In order to find out what is happening with the object NGC1052 – DF2, the researchers used the Keck telescope to obtain images of structures inside this galaxy. This work allowed, in particular, to calculate the mass of the galaxy.
It turned out that the mass of NGC1052 – DF2 is extremely low for, in fact, the galaxy - only 10 to 8 degrees of the mass of the Sun. Using data on the luminosity of the galaxy, scientists found that there are about the same number of stars in it - 10 to 8 degrees. That is, in fact, all the stars and the mass of the galaxy are "in sight". Usually galaxies are heavier than the aggregate masses of their stars, which allows us to judge the presence of dark matter. But not in the case of NGC1052 – DF2.
According to astronomers, all this can only say one thing - that NGC1052 – DF2 is either very poor in dark matter, or there is no such mysterious substance in the galaxy at all. The most interesting thing is that most models of the Universe and its objects, built by scientists, provide for the presence of dark matter. And a galaxy that is deprived of it requires a special relationship to itself — calculations must be done anew, taking into account the absence of an "additional weight".
How did the galaxy form without the participation of dark matter? One of the assumptions - NGC1052 – DF2 was formed from matter ejected by quasars. Maybe it was originally a gas cloud the size of a galaxy and a high concentration of gas, which allowed us to start the formation of stars and, in fact, the galaxy itself.
Now scientists are busy studying the structural features of the galaxy, trying to understand how NGC1052 – DF2 differs from "normal" galaxies, including the one in which we live.


9AM to 10PM Owing more than your real estate is worth is pretty scary because your family's financial future could be at risk for many years. Can you qualify for a Loan Modification and keep your home, or should you do a Short Sale? Our goal is to educate you on your options, and provide a TEAM to help you thru the process.
A short-sale occurs when the lenders agree to release the mortgage for less than the payoff owed on the note. It is race to beat foreclosure. We sell the home while it is still in good condition, and avoid legal expenses, deterioration, and a distressed price that will ultimately be charged against you.
Both buyers and sellers are tired of short sale contracts that never close. Experienced Realtors only show short sales where all the essential paperwork is done, to avoid wasting everyone's time with unfulfilled hopes. Instead, call to learn how we get results.
Avoid Foreclosure. Knowing the correct way to demonstrate a hardship (inability to pay) is essential to negotiating with the lender for better options. As a banker for 10 years, I know what lenders are thinking, and have exposed their back room shenanigans (learn more). We may be able to negotiate a work-out for you. Read this entire article, then give me a call.
Be careful of law firms advertising themselves as foreclosure experts. They make more money by dragging you thru a failed short sale, and INTO a foreclosure; we work with a law firm that helps you AVOID foreclosure.
Many people with good credit, and/or assets beyond the real estate, will not normally qualify for a short sale. If you must sell, and have a security clearance for example, saving your credit is critical to your job. A loan modification or Deed in Lieu of Foreclosure may help you. Call me for a discussion personalized to your situation, and referral to my attorney..
Stay in Your Home! Do not move yet. There are a number of alternatives to foreclosure. I recommend you explore each of them. Most people do not understand the process and what a short-sale exactly is. Just like anything else, if you don't work with it every day as we do, then it can be scary. Think back to the first time you rode your bike or drove a car. It was probably pretty scary because you weren't sure. Same thing here, you aren't sure what the process is but you know something bad is going to happen. I will help you understand the foreclosure process and help get you to the other side. Do NOT pay any up-front money to a slick talker promising to do the paperwork. I'll teach you to do it easily, and FREE.
I am a foreclosure expert with a team, including a lawyer, who specializes in helping homeowners just like you who must sell at a loss, or have fallen behind with their house payments and are now facing foreclosure. We are licensed Realtors who will have a legal duty to you to look out for your best interest, to work on your behalf. In other words I am here to help you through this situation, to give you the very best advice and to work for you. I do not work for your lender, I work for you!
Most likely at this point your options have become limited to either letting your home be foreclosed, or to try to sell your home. The bottom line is that you do not want foreclosure as it will ruin your credit with a Deficiency Judgment lasting 10 to 20 years. I will show you alternatives that will save your credit and have you qualifying for another home in as little as 12 months.
Ruined Credit vs Bruised Credit - In a foreclosure your credit can be ruined for 10-20 years. With a short sale your credit will be bruised for 12 to 18 months. Most banks and lenders understand nearly everyone out there is having some sort of credit problem, but what they don't want to see is you just giving up, or giving them the house. A short sale is a much better alternative to a foreclosure.
Buy again in 10-20 years vs Buy Again in 12 to 18 months - With a foreclosure and deficiency showing up on your credit report it will be very difficult if not almost impossible to buy anything on credit -- no house, no cars, no credit cards, higher insurance, large deposits for utilities, and so on. With a short sale your credit will suffer but it has been our experience for those clients who are able to show 12 months of good credit history that banks and lenders are willing to extend credit once again.
Recorded Judgment vs Negotiated Settlement - Once the foreclosure process is completed the court may wait up to 5 years to issue a deficiency judgment in favor of your lender. This judgment will show up in the public records and on your credit report. A short sale is a PRIVATE negotiated settlement between you and your lender. No need to worry here, my team will negotiate for you. We cannot guarantee a full release, but obviously any settlement is much better than a judgment.
Large Attorney Fees vs No Cost to You - In order to file a foreclosure action against you, your lender will hire a law firm. Law firms charge thousands upon thousands of dollars to handle the foreclosure which will be added to the amount you owe the lender. A short sale will cost you nothing to facilitate. In fact, I will handle the entire process for you at no cost to you. How? Your lender gets a higher price for your home by paying my commission after I find a buyer for your home. Even if you owe more than your home is worth I can sell it and your lender will pay all of the fees involved at absolutely no cost to you. In extreme situations, you might however incur a tax liability for amounts forgiven by the lender. Tax law changes frequently..
Deficiency Judgment(s) vs Negotiated Settlement - If you do owe more on your home than what it may be worth and it is foreclosed, each lienholder adds their legal expenses and has the option to chase you for the total owed. They will be able to garnish wages, attach (take) personal property and make your life miserable for 10 years, then renew for another 10. A short sale will allow us to negotiate with your lenders with the goal of releasing all or most deficiencies before the short sale is completed.
Possible Bankruptcy vs No Bankruptcy Needed - Many foreclosed homeowners end up filing a bankruptcy in order to dodge the deficiency judgment. With a short sale, most homeowners avoid a bankruptcy that can further destroy your credit.
Prolonged Disaster vs Peace of Mind A foreclosure can haunt you for 10 to 20 years. A short sale may end the process in as little as 3 to 4 months and allow you to get on with your life. It's your choice.
CONgress temporarily expanded cities covered by the Housing Assistance Program (HAP) to assist all service members required to permanently relocate (PCS) during the home mortgage crisis, service members and DOD employees who are wounded, injured or become ill when deployed, surviving spouses of service members or DOD employees killed or died of wounds while deployed, service member and civilian employees assigned to BRAC 05 organizations. Monetary assistance may be based on your cost PLUS improvements, not just your initial purchase price. This means HAP may cover more of the loss so YOU will have to bring less funds to closing to cover the difference. Official DOD website.
Some agencies have programs similar to HAP if you must move. Call Richard Webb for details.
To curb rampant fraud against unsuspecting homeowners, the legislature prohibited anyone but Realtors, Mortgage Brokers and lawyers from negotiating short sales with lenders on your behalf effective January 1, 2010. Title Companies are not licensed negotiators. State regulators took the first steps in February in what they said will be an ongoing effort against unlawful mortgage modifiers, ordering several operations to immediately stop doing business.
Do not sign papers to any "partner" who promises to make a deal for you!!! And run from any "Short Sale or Foreclosure Rescue Consultant" who requests an up-front fee and/or on-going fees from you to negotiate a short sale. This is strictly prohibited by law.
Don't Pay Under the Table. Some second mortgage lenders have taken off-the-books bribes to release their lien. If you are involved in this RESPA violation, you and the Realtor could go to jail. Dealing with a reputable agent can protect you by insuring the HUD closing statement is accurate and legal.
Coldwell Banker Ed Schlitt is a large established (56 years) Realtor that constructed an entire Short Sale Division dedicated to the negotiations and onerous paperwork of short sales. We developed the expertise and processes necessary to to do it correctly, and successfully, and have a near 100% close-ratio as a result. Our agents do the marketing, and the Short Sale Division knows who to call and what to say to get favorable responses from lenders. I also have a good attorney who can help you.
Beware of real estate agents who use Title Companies as negotiators. If your negotiator lacks the licensing and negotiating expertise that we have, YOU could be exposing yourself to unnecessary liability.
A foreclosure is actually a lawsuit in which your lender is trying to regain control of their collateral. By this time you have received a fairly thick packet in the mail from the courthouse that contained the foreclosure lawsuit. At this point you have not been foreclosed upon but rather you have been served notice that a foreclosure action has been initiated against you.
The foreclosure process can take from 6 months to 2 years to complete. Currently there are hundreds of foreclosures being filed every week so you can see why it takes so long to process. At the very end of the foreclosure process your home will be sold at the sheriff's auction and only then will the sale be confirmed by the court. It is at this time your house has been foreclosed on, months down the road. That is when someone will show up at your door with a court order for you to move out immediately, and may offer you cash for keys and a clean house.
During this entire time period you still own your home. You have every right to live in your home until the foreclosure process is complete. No one including the Sheriff is going to show up at your front door and throw you out. They might pester you on the phone but I can show you how to stop that as well with a simple form. I highly recommend you stay in your home, save your money, make sure all of your other bills are paid on time, and start to re-establish your credit.
Modification Options pays lenders to re-work loan terms and lower monthly payments at no refinance cost to you. Refinance may be offered to qualifying homeowners going through hardship.
Home Affordable Modification Program, or HAMP is designed for homeowners likely to lose their homes because they can't keep up with mortgage payments. Because they got taxpayer bailouts, certain lenders are REQUIRED to analyze your mortgage and offer this program prior to foreclosure. Qualifications: primary residence, first mortgage under $729,750, originated before Jan 1, 2009, monthly Principal & Interest payment exceeds 31% of monthly gross income. Second mortgages or lines of credit do not count and are not considered for the ratio. You must demonstrate financial hardship like an increase in mortgage payment, drop in income, or medical. This program was scheduled to expire at the end of 2012. Process lowers your interest rate, extends the term of the loan, or reduces your principal. Interest rate may be reduced as low as 2%! Beware of scams, and ACORN affiliates under different names. All legitimate help (except for lawyers) is free. Call me.
Home Affordable Foreclosure Alternatives program, or HAFA offers lenders financial incentives to opt for a short-sale or deed-in-lieu of foreclosure as discussed above. This program started April 5, 2010.
Fannie Mae has programs that may help you. To see whether your loan was purchased by Fannie Mae, click here.
Contact the WEBBmaster for updated details.
Lawyers prosecute anyone who competes with them, so this is not legal advice. Consult a lawyer for legal advice on your specific case. I will connect you to one lawyer I trust that doesn't charge any up-front fee..
IMPORTANT NOTICE You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender [or servicer]. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us (see listing agreement) for our services. (Coldwell Banker Paradise / Ed Schlitt and 4Brevard) is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating.