Fear Effect Sedna is ranked in the 6th percentile of games scored on OpenCritic.
In Fear Effect Sedna we find a very linear adventure, but surprisingly varied. We find an isometric perspective game, which at times may seem that it does not pay too much attention to details. However, it is in the graphics that we see one of the main changes with respect to the original. In addition, the sound is simply impeccable and transports us completely to the story.
With Fear Effect Sedna, Sushee has managed to create a different yet faithful new episode in a long forgotten cult franchise. While the gameplay mechanics are not optimal for most, and the graphics engine is sub-par for what you would expect from a 2018 title, but it's worth picking if you're a fan of Fear Effect. Here's hoping Fear Effect Reinvented, a remake of the original Fear Effect and Sushee's other project, will be a better way to showcase the French studio's talent.
Fear Effect Sedna is a flawed return for the late PS1-era classic, with its combat occasionally being a bit clunky and not utilizing the tactical elements as well as it wanted to. But the creepy descent into Inuit horror, stylish graphics, and challenging puzzles and gameplay may still provide you with enough reasons to take a peek at it.
Fear Effect Sedna may not be the true sequel fans were looking for, but it still delivers an enjoyable story along with creative puzzles and detailed environments. If you take the time to learn how to fully utilise the tactical mode, or you just love micro-managing things, then the combat may work out better for yourself than it did for me. If you don't mind the issues the game currently has and you are a fan of the original games then you may want to try the game out in order to see Hana and friends on their new adventure, however gamers new to the series may not enjoy the story and the setting as much as the fans.
If you were a huge fan of this series, or games from that era, you could find a lot to like here. It's rough around the edges with cheesy acting, and a lot of game over screens, but if that doesn't put you off you could find an enjoyable time here.
The cell shaded look of Sedna and the soundtrack are excellent, but the change in gameplay, some of the combat and the isometric look lessened my enjoyment. The puzzles and innovative ideas are great though and some of the world themes are interesting to revisit, but it most certainly left me remembering the original as the better experience.
Fear Effect Sedna makes use of a beloved franchise name and ends up deliverying a totally different experience from what it is expected when the name Fear Effect is heard. If you play it and simply forget about the brilliant past two first games from the franchise, you might be able to have fun with it.
Fear Effect Sedna is a major disappointment especially if you are a fan of the series. The game certainly is ambitious but that doesn't help it solve many of its underlying problems.
The truth is Fear Effect Sedna is not a good game. It's more frustrating than it is satisfying and it will test the best resolve in the world if you are determined to see it through to the end. In this case, sadly, patches and fixes can only paper the cracks of what is an inherently flawed sequel.
Fear Effect Sedna is vapid and vain, like a B-movie with a bit of gorgeous cinematography. Its gameplay falters miserably and even with the unmistakable atmosphere of the old games, Sedna just isn't enjoyable to sit through.
With a cast of characters that are forgettable and challenging gameplay that punishes you with load times and long waits between game over screen to starting at the last check point, I would steer clear of this title unless you are a fan of the previous titles. I believe there are gamers out there who are more forgiving of these things than I am, but I couldn't recommend it to someone without outlining the frustrations I had.
Fear Effect Sedna revives a cult-classic IP, but the game's flat, subdued script, forgettable characters, and poor controls ultimately hamper this effort.
The more masochistic crowd of gamers out there will get a kick out of the formidable puzzles and vicious death cutscenes. The pure mediocrity of the rest of the game doesn't do enough to make it a worthy recommendation, however.
As mentioned earlier, a name carries expectations. Strictly in terms of game design, Fear Effect Sedna is quite possibly the strongest the series has ever been. However, it doesn't go far enough to make up for its deficiencies in atmosphere and storytelling. As it turns out, this title is as cold and distant as its locales and isometric perspective suggest. There's very little imagery to provoke thoughts or spark the imagination, just a high body count and a lot of swear words. Even if that were enough for a Cyberpunk game, it's handled in a manner that isn't stylish or memorable. All in all, this entry is a difficult recommendation, especially for Fear Effect fans.
Fear Effect Sedna is a game that does just enough to be considered basic. Unfortunately, for fans of the Fear Effect series, this is not a triumphant return for the franchise but more so a reminder that it exists.
Fear Effect Sedna once again takes us to a distinctive universe of a popular series, but it suffers from plethora of irritating bugs. This time they've built-up enough to spoil a good idea for the game.
A game full of more than it's fair share of style unfortunately lacks any of it's fair share of substance. It may be worth a look if you are a long time fan of the series but there are much better examples of this style of game for everyone else.
Overall Fear Effect Sedna gets a 4/10, it is fun in some areas with in-depth and difficult puzzles. Combat becomes too annoying in the later sections with party management becoming a hassle due to the mechanics. You cannot customise your character enough, or even stick to a certain playstyle as the game will swap between sneaking, action and puzzles.
Bad puzzles, repetitive combat, and poorly designed encounters are constant companions. I respect the desire and the work that must have gone into making this revival a reality. I just wish the product would have been better for long-suffering fans.
Fear Effect Sedna is a flawed sequel that misses its target by changing the franchise's genre and stretching itself too far beyond its means. By minimalising the survival aspect, even its own namesake has become redundant.
Fear Effect Sedna is a case of improperly executed good intentions. It has an intriguing story at its core, but the bad script fails to make it shine. It has lots of different gameplay mechanics at work, but none of them feel good, let alone good enough to carry the weaker parts. It has a presentation that's less than stellar, even for fans who enjoyed the originals. There's still a chance that you can enjoy the game, but you'll have to forgive the various flaws to do so.
A failed attempt at resurrecting a cult favourite, Fear Effect Sedna is a tactical shooter in which tactics are largely irrelevant. Atrocious cut-scenes, dreadful boss encounters and dire presentation overall, make this something better left in the past. Steer well clear.
Sedna paints a bleak future for this series. It is a sloppy mess that gets off on the wrong foot, only to shoot itself in the foot right after. It is a weird hodgepodge of body horror, cyberpunk sleaze, and secret agent shenanigans that, in theory, should work, but don't.


More than one-quarter of Indigenous youth aged 12 to 17 years were overweight or obese in 2011/2014.
Obesity is more prevalent among First Nations youth than other Indigenous youth, with 28% of First Nations youth reporting being overweight or obese in 2011/2014, compared to 26% of Métis and 25% of Inuit youth.
Among non-Indigenous youth aged 12 to 17 years, 21% reported being overweight or obese.
While there are few comparisons with non-Indigenous children, it is generally acknowledged that Indigenous children have consistently higher rates of being overweight and obese than their non-Indigenous counterparts. This places them at increased risk of obesity-related diseases like diabetes, hypertension and heart disease.1 A number of factors are associated with obesity in Indigenous children, including characteristics of the mother, physical inactivity, poor diet and body fat.2 Since children who are obese are more likely to be obese in adulthood, the health risks of obesity are great, suggesting the need for targeted health promotion programs to prevent childhood obesity in Indigenous communities.
2Willows, N.D. (2005). Overweight in First Nations children: Prevalence, implications, and solutions. Journal of Aboriginal Health, 2(1), 76-87.


text:
Tahoma resident loses home in fire; Community rallies to support
Laney Griffo
lgriffo@tahoedailytribune.com
A Tahoma woman lost her home to fire earlier this month.
Provided/Ed Miller
TAHOMA, Calif. — During the early morning on Sunday, Dec. 11, Tahoma resident Karen Nielsen experienced every homeowners worst nightmare when her fire alarms pulled her from deep sleep and she woke up and smelled smoke.
That weekend, Lake Tahoe received a record amount of snow, which Nielsen, who lives alone, prepared for in the days leading up to the storm. On the evening of Dec. 10, her power flickered but never went out.
It was around 3:30 a.m. when Nielsen rushed around her home to find the source of the smoke.
"When I woke up, I flicked on the light and the house was filled with smoke," Nielsen said.
She went into the basement where the smoke was thickest but didn't see flames.
"So, I went outside and I saw on the side of the house where my electrical panel is, I saw that it was glowing and I thought, 'oh god,'" Nielsen.
She called the fire department, then called her neighbor, Ed Miller, who is Board President for the Meeks Bay Fire Protection District.
Four feet of fresh snow made it difficult for emergency personnel to reach the house.
"The minute I stepped out of my house, I could see the glow," Miller said, adding because of his age and the amount of snow, it took him a long time to get to her.
She then went back into the house to change into her snow clothes and by the time she went back out, the panel had burst into flames.
"I called the fire department back and I was panicking, I was crying and saying, 'can you get here, there's flames now,'" Nielsen said.
However, nearly four feet of snow had fallen overnight and the fire department was unable to quickly get to the home. She tried to use snow to put the fire out herself but it eventually grew and she gave up.
"So, I went to the middle of the street and just kind of sat there and watched my house burn to the ground," Nielsen said.
Miller spent years as a firefighter and has experience with house fires but still said it was an awful experience.
The fire started in the electrical panel.
"It was terrifying, even when you've seen those things, it's still horrible," Miller said.
Meeks Bay Fire employees found a private snow blower from Tillery Snow Removal to clear the path to her home but clearing snow was slow going. It was about an hour after she called that they were finally able to make it to the house.
"They were great, you know, they felt bad they couldn't get there … they did the best they could," Nielsen said.
"It's not often members of the Board of Directors get to see our crews in action … but watching them that night made me extremely proud," Miller said.
He added that there was nothing Nielsen did wrong that night and that because of the age of the house, it likely would've still been lost even if the roads were plowed.
While losing her home was a harrowing experience for Nielsen, her positivity and gratitude to the community is astounding.
Nielsen, who is originally from Southern California, said it was because of the community that she is able to maintain such a positive attitude.
"[The community] is not like anywhere else, this wouldn't have happened in L.A. People rallied around me … I'm a pretty independent woman and it just was a really nice feeling," Nielsen said.
Miller and his wife, Lolly, took her in for the rest of the morning and gave her clothes. She then called Sunnyside Restaurant & Lodge to book a room. After hearing her story, they gave her a room, and provided her with pajamas, food — and alcohol.
Miller also added that her post on NextDoor received a lot of support.
"It's a pretty typical response for Tahoma," Miller said.
Another thing she says saved her life was her smoke detectors.
"If those didn't go off, I wouldn't have woken up. I didn't used to check my smoke detectors but now I tell people, 'you really have to, it's important,'" Nielsen said.
Nielsen had moved into the home full-time in August but the cabin had been in her family for 25 years. She said she has insurance and fully intends to rebuild.
She is currently staying with her daughter in Southern California.

redpajama_set_name: RedPajamaCommonCrawl


text:
NGC 5774 je prečkasta spiralna galaktika u zviježđu Djevici.

Izvori

Vanjske poveznice

  Hartmut Frommert: Revidirani Novi opći katalog
  Izvangalaktička baza podataka NASA-e i IPAC-a
  Astronomska baza podataka SIMBAD
   VizieR
 DSS-ova slika NGC 5774
  Auke Slotegraaf: NGC 5774 Deep Sky Observer's Companion
  NGC 5774 DSO-tražilica
  Courtney Seligman: Objekti Novog općeg kataloga: NGC 5750 - 5799

5774

redpajama_set_name: RedPajamaWikipedia


Mr Bru Cru: Born Sinner: Cedric "Ced" Brown.
Born Sinner: Cedric "Ced" Brown.
J. Cole keeps bringing us insight on him and his crew as his Sophomore album is set to release on June 18th. On this "episode" of "Born Sinner", we are introduced to Cedric Brown, one of Cole's music producers. Enjoy.


text:
4th Sep 2017 evilcl0ne
Rosetta – Surprise New Album Release!
Philadelphia avant-metal band Rosetta are today releasing – out of the blue – their 6th studio album, Utopioid. The album is OUT NOW at their Bandcamp site. They have partnered with Bird's Robe Records in Australia for the release and recently announced they will be touring Australia in December alongside Bird's Robe artists sleepmakeswaves.
READ THE BAND'S EXPLANATION FOR THE SURPRISE ALBUM DROP
Forging ahead as a fully-independent band, Rosetta returns in 2017 with Utopioid, their sixth full length album and most concept-driven work to date. Written as a four-part song cycle that treads multipolar extremes of texture, dynamics, and harmony, it reaches the highest heights and the deepest lows of the band's career. An unflinching study of human aspiration, frailty, and betrayal, the album is equal parts mysticism and biography. Utopioid tells a story in sounds, encapsulating and transcending the band's 14 years of sonic experimentation.
Formed in Philadelphia in 2003 as a four-piece, Rosetta's first two albums—2005's The Galilean Satellites and 2007's Wake/Lift—pulled together elements from 90s hardcore, drone, doom, and atmospheric sludge metal. Informed as much by the minimal soundscapes of Stars of the Lid as by the pulverizing weight of Godflesh, the band's compositions had a spaced-out, exploratory feel, appropriately dubbed "metal for astronauts." 2010's A Determinism of Morality moved on from celestial themes, focusing on increased melodic sophistication while honing a confrontational urgency.
After concluding a decade-long partnership with Translation Loss Records in 2013, Rosetta embraced their newfound independence with the self-funded, pay-as-you-wish album The Anaesthete. The darkest, most unsettling album of the band's career also marked their greatest success so far, recouping costs in 24 hours and remaining the top-selling release on Bandcamp for nearly a month. 2015's Quintessential Ephemera, Rosetta's first effort as a five-piece, received widespread critical and audience acclaim for its energized guitar interplay and evolution of the band's core sound.
With Utopioid, Rosetta has again upended their stylistic palette. But as always, with ever deeper gratitude for the investment of fans around the world, they continue to search for the intersection of heaviness and beauty.
For more information, go to birdsrobe.com or https://theanaesthete.bandcamp.com/album/utopioid
utopioid
Previous PMM – Show Update!
Next Osaka Punch – New Tune!


1. Your credit card will be billed immediately to BASS-TUB SPORTFISHING upon the completion of this order. Once we receive an authorization we will send you a confirmation email. You will ONLY receive confirmation if your credit card is successfully billed. You will notice a credit card charge on your statement from BASS-TUB SPORTFISHING. We require a minimum 100% deposit on all reservations upfront when all reservations are made.
2. Please bring food and drinks for you to enjoy during your fishing trip. We do not offer any food or drink service.
3. If you need terminal tackle we do have addition tackle kits availabe on the boat..
4. We do provide validation for the parking structure near our boat.
5. Illegal drugs, firearms, or explosives of any kind are not allowed. We reserve the right to refuse passage to any person that appears to be under the influence of drugs or excessive amounts of alcohol. Passengers are subject to being searched before entering the port.
6. California Fishing License, rent rods, gratuities,and tackle are not included. You must purchase fishing licenses online at the California Department of Fish and Wildlife.
8. Cancellation policy: THERE ARE NO REFUNDS FOR CANCELLED RESERVATIONS. NO SHOWS WILL NOT RECEIVE A REFUND! Under special circumstances we may provide a refund on cancelled reservations. However, we will charge a 10% administrative fee.
9. All passengers will be required to have photo I.D. (Driver's license or passport).
10. In the event that we have a trip cancel due to bad weather or lack of participation we will provide you with a FLOATING DEPOSIT to be used on any future trip.


Huge changes in medicine and healthcare fueled by technology are heading our way.
These trends have a variety of stakeholders: patients, medical professionals, researchers, medical students, and consumers. They are important because of the impact they will likely have on all of us at one time or another.
Meskó's predictions easily fall into two categories. The first group of trends, descried below, involve concepts already underway today, or those that will likely have an impact on us in the near future. (Part 2 of this article discusses a second group of tech trends that are still several years away or in much earlier stages of development).


Oval Starburst Mirror - Gold and Gorgeous! Check back to my portfolio to see this mirror featured in my client's entrance hall with cobalt blue walls, persian rugs, a Ralph-Lauren inspired rustic console, and blue/white ginger jars.
Both featured products are from a fabulous online source based here in Ottawa, Shop 219, owned by Christine Noel. If you are looking for something special and refined, her products are offered at an amazing value for the quality! Items such as these are sure to add glamor and luxury to any space.


text:
Q: Ripple Emulator Origin http://127.0.0.1:8000 is not allowed by Access-Control-Allow-Origin by using HTTPS i started used my API via HTTPS protocol, Ripple emulator in each request give me a message
Ripple Emulator Origin is not allowed by Access-Control-Allow-Origin by using HTTPS
If i used HTTP, everything works fine.
What i must to do to Ripple works with https?
In settings of Ripple is Cross Domain Proxy set to enabled.
Thanks for any help

A: We can bypass cross domain policies while using ripple, in the run command use the following:
chrome.exe --allow-file-access-from-files --enable-extensions --disable-web-security --user-data-dir=D:\tmp\chromedevuser

Thanks to Raymond Cadmen's Blog: I got this code from there, helped me in reducing the effort

A: You must set the header 'Access-Control-Allow-Origin: *' in your API, in PHP this can achieved adding header('Access-Control-Allow-Origin: *');
There is no need to use HTTPS, but is very important to protect the data transportation.

redpajama_set_name: RedPajamaStackExchange


text:
using System;
using System.Collections.Generic;
using System.Linq;
using System.Text;
using System.Threading.Tasks;

namespace ControlsViews.Pages.Xaml.Cells
{
	public partial class CustomCellAsContentViewInXaml
	{
		public CustomCellAsContentViewInXaml()
		{
			InitializeComponent();
		}
	}
}

redpajama_set_name: RedPajamaGithub


text:
Osteopetrosis autosomal dominant type 2
1-9 / 100 000
OPTA2; Autosomal dominant osteopetrosis type 2; Albers-Schönberg osteopetrosis
Congenital and Genetic Diseases; Eye diseases; Musculoskeletal Diseases
Osteopetrosis refers to a group of rare, inherited skeletal disorders characterized by increased bone density and abnormal bone growth.[1][2] Symptoms and severity can vary greatly, ranging from neonatal onset with life-threatening complications (such as bone marrow failure) to the incidental finding of osteopetrosis on X-ray. Depending on severity and age of onset, features may include fractures, short stature, compressive neuropathies (pressure on the nerves), hypocalcemia with attendant tetanic seizures, and life-threatening pancytopenia. In rare cases, there may be neurological impairment or involvement of other body systems.[1] Osteopetrosis may be caused by mutations in at least 10 genes. Inheritance can be autosomal recessive, autosomal dominant, or X-linked recessive with the most severe forms being autosomal recessive. Management depends on the specific symptoms and severity and may include vitamin D supplements, various medications, and/or surgery. Adult osteopetrosis requires no treatment by itself, but complications may require intervention.[3]
Abnormality of epiphysis morphology
Abnormal shape of end part of bone
Abnormality of the metacarpal bones
Abnormality of the long bone of hand
Abnormality of the metaphysis
Abnormality of the wide portion of a long bone
Death of bone due to decreased blood supply
Facial palsy
Frontal bossing
Generalized osteosclerosis
Joint dislocation
Joint dislocations
Recurrent joint dislocations
Macrocephaly
Increased size of skull
Large head
Large head circumference
Mandibular osteomyelitis
Lower jaw bone infection
Degenerative joint disease
Recurrent fractures
Increased fracture rate
Increased fractures
Multiple fractures
Multiple spontaneous fractures
Varying degree of multiple fractures
Short distal phalanx of finger
Short outermost finger bone
Genu valgum
Knock knees
Optic atrophy
Short stature
Decreased body height
Small stature
Abnormal leukocyte morphology
Carious teeth
Dental cavities
Tooth cavities
Hearing impairment
Hearing defect
Abnormality of pelvic girdle bone morphology
Abnormal shape of pelvic girdle bone
Abnormality of the vertebral endplates
Autosomal dominant inheritance
Elevated serum acid phosphatase
Acid phosphatase elevated
Fractures of the long bones
Juvenile onset
Signs and symptoms begin before 15 years of age
Harder, denser, fracture-prone bones
Visual loss
Interferon gamma-1b(Brand name: Actimmune®) Manufactured by InterMune , Inc.
FDA-approved indication: Delaying time to disease progression in patients with severe, malignant osteopetrosis.
Related diseases are conditions that have similar signs and symptoms. A health care provider may consider these conditions in the table below when making a diagnosis. Please note that the table may not include all the possible conditions related to this disease.
Conditions with similar signs and symptoms from Orphanet
Differential diagnosis includes other subtypes of osteopetrosis, fluorosis, beryllium, lead and bismuth poisoning, myelofibrosis, Paget's disease (sclerosing form) and malignancies (lymphoma, osteoblastic cancer metastases) (see these terms).
Visit the Orphanet disease page for more information.
The National Organization for Rare Disorders (NORD) has a report for patients and families about this condition. NORD is a patient advocacy organization for individuals with rare diseases and the organizations that serve them.
GeneReviews provides current, expert-authored, peer-reviewed, full-text articles describing the application of genetic testing to the diagnosis, management, and genetic counseling of patients with specific inherited conditions.
MeSH® (Medical Subject Headings) is a terminology tool used by the National Library of Medicine. Click on the link to view information on this topic.
PubMed is a searchable database of medical literature and lists journal articles that discuss Osteopetrosis autosomal dominant type 2. Click on the link to view a sample search on this topic.
Zornitza Stark and Ravi Savarirayan. Osteopetrosis. Orphanet. October, 2012; https://www.orpha.net/consor/cgi-bin/OC_Exp.php?lng=en&Expert=2781.
David D. Sherry Frank Pessler. Osteopetroses. Merck Manual. 2016; https://www.merckmanuals.com/home/children-s-health-issues/bone-disorders-in-children/osteopetroses.
Robert Blank. Osteopetrosis. Medscape Reference. December 17, 2014; https://emedicine.medscape.com/article/123968-overview.


Well, pre-wedding shoots are in trend nowadays. Give us a chance to give you some amazing ideas for the pre-wedding shoot which will highlight all the emotions between you and your partner. Our pre-wedding shoot is not about just clicking pictures; rather it is about creating a story that will showcase your journey from two people to one soul. Our photographers will create a picture-perfect moment where you can easily see love blossoming between the two of you. These are the memories that you can keep in your heart forever.


text:
Azerbaijani Banks in 2018 (from January through September)
BRI Economic Team
Changes in banking legislation
Banks and concentration level
Bank resources: formation sources and their use
Loan market
Deposit market
Financial support for banks provided by Central Bank
Bank customers and their accounts
Dollarization of the banking system
Major trends
We have bid farewell to the old year 2018 and ushered in the new year 2019. It is now time to review Azerbaijan's social and economic processes in 2018. This Bulletin, prepared by a group of experts from the Baku Research Institute (BRI), has sought to assess the country's banking sector and changes within it. However, as the official statistical data available allow us to see the sector for the first three quarters, the Bulletin could only look into the period from January to September 2018.
The initial section of this Bulletin considers changes in banking legislation in 2018, changes in the number of banks, their branches and departments operating in the country, and the degree of concentration in the banking system.
The Bulletin further analyzes the resources of operating banks, formation sources and an avenue for their use, especially the status of loan and deposit markets, and reveal major trends in the level of dollarization in the country's lending and deposit markets.
We at the Baku Research Institute hope that this Economic Bulletin available to you, and that characterizes the overall banking sector situation in Azerbaijan, describes the real picture of the changes the country faced in January-September 2018.
Azerbaijan's banking sector has remained relatively stable with a moderate improvement throughout the first nine months of the year 2018. The overall tendency in the banking sector looks at overcoming capital shortages, a revival triggered in lending, a decrease in interest rates on deposits, an increase in excess liquidity in the banking system, and banks' preferences to alternative sources of income.
The banking sector legislation has experienced changes on the following fronts during the reporting period:
The Regulations for the operation of the State Registry for Encumbrance of Movable Property and the Fees for usage of the State Registry for Encumbrance of Movable Property were approved by Decree No. 1901 of the President of the Republic of Azerbaijan, dated 29 March 2018. These Regulations identify and govern the operating procedures, as well as the use and data security arrangements of the State Registry for Encumbrance of Movable Property. And the state registry for encumbrance of movable property shall be created through the operatorship of the Financial Market Supervisory Authority of the Republic of Azerbaijan (FIMSA) under these Regulations.
Rules of Foreign Currency Transactions of Residents and Non-Residents of Republic of Azerbaijan were amended by decision No 4/1, dated 26 February 2018, of the Central Bank's management board. These Rules have toughened requirements for foreign currency transactions of residents and non-residents trough banks. Among the amendments, upon advance payment for goods and services imported into Azerbaijan, imports shall be proven by a customs declaration and a proof of services having been rendered, respectively, in 270 days from the day of payment, compared to the previous term of 180 days.
The maximum term of office for members of supervisory and management boards was reduced according to amendments to the Law on Banks. In accordance with the changes, members of supervisory and management boards will be elected for a maximum term of three years. Previously, the term was four years. At the same time, other amendments expand the powers of the supervisory boards.
Regulations on Electronic Mortgage and Credit Guarantee System were approved by Decree No 30 of the President of the Republic of Azerbaijan, dated 1 May 2018. Under the Regulations, the purpose of the system is to improve the quality and efficiency of the services provided by simplifying the access to mortgage and entrepreneurship loans, creating equal conditions for persons wishing to obtain a loan, ensuring transparency and efficiency during the consideration of applications, as well as time and cost savings by using the real-time access to the required documents by taking advantage of the information and communication technologies
Besides, the Financial Market Supervisory Authority (FIMSA) has adopted a number of normative acts to rehabilitate insolvent banks, and to enhance banks' stability:
Rules to create a bridge bank, issue and register its shares, special simplified procedure for granting license to bridge bank and its activity;
Rules to determine an insolvent bank's resolution measure and to hold an auction
Rules for the substantiation and comparative analysis of expenses to choose any of the resolution measures;
Rules to create special reserves for the classification of assets and compensation of possible losses;
Rules to determine limits on open currency positions in banks;
Rules to calculate banking capital and its adequacy;
Rules to regulate credit risks regarding related borrower.
The concentration in the banking sector that had slackened since 2017 tended to rise again in 2018. During 2013-2016, the market share of five banks in the banking sector increased from 55% to 68.2%, but fell to 65.2% in 2017, with a moderate growth rate [65.3%] recorded during the first nine months of 2018.
The assets and market share of the International Bank of Azerbaijan (IBA), the largest bank in Azerbaijan by the asset, have continued to decrease over the reporting period, with its assets being down 4.3%, or AZN 374.8 million, but market share dropping to 28.5% from 31.1% 28.5%. However, Paşa Bank, which was ranked in second place, saw a 22% increase in its assets, while market share was 14.8% up from 12.7%. Further, the banks with moderate growth in assets are Kapital Bank (from 6.5% to 6.6%), Xalq Bank (from 6.5% to 6.6%), while Azerbaycan Sanaye Bankı had a stable market share (3.4%) (see Table 1).
The results of our assessment based on Herfindahl–Hirschman Index, an index widely deployed internationally to assess industry concentration, have showed a drop from the concentration of 1382.3 to 1293 in the banking sector for the first 9 months of 2018, which is a medium concentration level.
The reductions in banking networks due to the post-devaluation cost optimization have been replaced by a tendency towards further expansion of these networks. At the end of 2017, the license of Demirbank OJSC was revoked by a rule of the Board of Directors of the Financial Market Supervisory Authority dated December 22, 2017 (in the first half of 2017, two banks – Atabank OJSC and Caspian Development Bank OJSC merged). The reason for this decision is that the aggregate capital of the banks was lower than the minimum amount of a capital defined to the banks and the adequacy ratio of the aggregate capital was less than three per cent intended by the legislation, as well as failure to fulfill liabilities to the creditors. Thus, the number of Azerbaijani based banks decreased to 30 (see Table 2).
The closure of Demirbank OJSC, as well as a worsening in financial health of the banks led to a decrease in the number of branches. The number of branches during the first 9 months of 2018 fell 8.6% to 511 from 557 compared to the same period of 2017, while two more branches were launched during the first nine months of 2018. The number of branches per bank fell from 18 to 17. Plus two new bank departments were opened during the past year (see Table 2).
Unlike the slight growth in the number of branches, banks were seen to employ highest number of employees during January-September 2018, increasing by 5.5% to 17,066. The number of employees was roughly 4.4% up, compared to the same period of 2017 (see Table 2).
The decrease in Azerbaijan's banking assets seen in recent years has been replaced by an increase during the first 9 months of 2018. Statistical data provided by the Financial Market Supervisory Authority (FIMSA) found that the bank assets were 4.6% up to AZN 27.92 billion in the same timeframe, which represents an 11.6% increase compared to the same period a year earlier.
The banking sector assets rebounded as a result of a growth in specific indicators of the asset structure. The banking sector demonstrated significant progress in other indicators, other than Nostro Accounts and deposits with financial institutions during the first nine months of 2018. The bank assets that significantly expanded included securities (34.7%), other assets (23.8%), cash (19.5%) and the correspondence accounts of the Central Bank (18.5%), while the total volume of Nostro Accounts dropped quit significantly (21.6%) (see Chart 1).
Comparing to the same period of the previous year, the most significant increase was at the securities level. Thus, banks' investment to securities nearly tripled (see Chart 1).
To strengthen the stability for banks, the process of increasing their capital has continued. The banks' total capital rose by 10.9% from AZN 3.71 billion to AZN 4.11 billion over the first nine months of 2018. As a result of this increase, the share of capital in banks' assets increased from 13.3% to 14.1%.
The following banks have experienced major increases in their bank capital: Bank Respublika (46.7%), Bank VTB (36.5%), International Bank of Azerbaijan (35%), Unibank OJSC (33.5%), Silk Way (24.6%), while Amrahbank (28.5%), Accessbank (18.7%), AGBank (10.9%), Nikoilbank (7.6%) experienced decreases.[i]
Deposits (with both physical and legal persons, including financial institutions) constituted 77.6% of bank liabilities as at 1 October 2018, which represents a 76% increase compared to the same period a year earlier. Loans raised from other financial institutions were the second major financial source. As raising loans from this source shrank, its share in total bank liabilities dropped from 8.7% to 8%. The shrinkage was attributable to a decrease in loans directed by banks. Over the reported period, the share of securities issued by banks in total liabilities dropped from 7.7% to 7.3% (see Chart 2).
The origins of a sharp increase in banks' investments to securities lie to a large extent in their decreased interest in providing loans after the devaluation. The volume of lending grew in January-September 2018, yet its share in total assets had continued to decline. The lending by country grew by 4.3% from AZN 11.6 billion to AZN 12.1 billion, a figure which had not been attained since 2015, while its share in total assets dropped from 41.55% to 41.44%. The highest indicator – 47.02% had been recorded during the first nine months of 2017 (see Chart 3).
The lending organizations that are unable to direct their assets to active lending prefer to invest in securities. Consequently, the share of securities in assets grew from 5.1% to 11.5% from September 2017 to September 2018.[ii]
Lending growth in this period can be attributed to private banks, particularly ones with local capital. The total lending provided by The Open Joint Stock Company International Bank of Azerbaijan (IBA), which holds the state-owned shares, and Azer Turk Bank OJSC dropped by 3% from AZN 1916.2 million to AZN 1858.8 million, while lending by private banks rose by 6.6% AZN 9421.4 million to AZN 10042.6 million during January-September 2018. This growth was attributed to private banks with local capital. The lending by local banks and banks with the share of foreign capital ranging from 50 to 100 percent, surged to AZN 621.2 million, and AZN 25.9 million, whereas the lending by banks with the share of foreign capital not exceeding 50 percent was down AZN 53 million.[iii]
Unlike the banks, financing of the economy by non-bank credit organizations (NBCO) has demonstrated a downward trend, falling by 4.6% from AZN 420.2 million to AZN 401.1 million over the reported period, the lowest level since 2013.
Analysis of lending by sectors found out that apart from the constriction and property sector, all sectors saw growth during the first nine months of 2018. Thus, lending to the trade and service sector rose by 0.4%, while industry and manufacturing 9.1%, transportation and communication 14.4%, agriculture and processing by 8.1% and consumer loans 9.7%. The constriction and property sector saw a 29% drop in the same timeframe (see Chart 4).
The share of consumer sector loans that had preserved a downward trend since 2014 has surged over recent months, which was up 41.1% from 39.2%, compared to the beginning of the reporting year. The shares of trade and service and construction and property, respectively, fell from 17.6% to 16.9% and 4.6% to 3.2%, while the shares of agriculture, industry and manufacturing, and transportation and communication, respectively, rose from 3.7% to 3.8%, from 5.3% to 5.5%, and from 9.6% to 10.5%.[iv]
The currency structure of loans showed that growth was observed in lending in national currency other than that in foreign currency. The lending in national currency was 8.7% up to AZN 7557.2 million during January-September 2018. Moreover, lending in national currency had been the lowest level since 2011, while lending in foreign currency was 1.2% down to AZN 4745.2 million.[v]
Lending, when the dollarization level rose by 49.4% due to the 2015 devaluation, has further contracted despite the stability of the national currency. The loan de-dollarization process has continued over the reporting period of 2018, dropping from 40.9% to 38.6%.
Concerning the loan term, banks have chosen to provide short-term loans. Regardless of the currency structure, the amount of short-term and long-term loans were up 17.2% and 1.9%, accordingly. National currency lending saw growth for both short-term (+24.8%), and long-term (+5.9%) loans. However, foreign currency short-term lending was up 9.9%, but long-term was down 4.4%.[vi]
Regions have seen a slight increase in lending. The amount of lending to regions increased by 14.4% over the first nine months of 2018, while lending to Baku only grew by 2.6%. As a result of this growth, the share of region in total loan assets rose from 16.9% to 18.5%. Despite this, Baku has retained prevalence of total lending (81.5%).
The annual interest rate for national currency loans by country total was 14.2%, while this figure for Baku was lower – 12%, while for regions (excluding Nakhchıvan AR) ranges between 16% and -25%. For example, the average annual interest rate for the Aran economic region is 23.2% and for the Upper Karabakh economic region 25.4%. Customers prefer to take loans in Baku due to higher annual interest rates offered by banks in regions. The share of Baku in total lending fluctuates between 80% and 85% by years. The lowest interest rate is the Nakhchivan Autonomous Republic (.93%), but its share in total lending is small (0.9%) (see Chart 5).
The overdue loans that led to waning banking interest in financing the economy, have continued to increase. According to the Central Bank of Azerbaijan, the share of overdue loans in total loans rose from 13.8% to 14.2% in January-September 2018, increasing by AZN 122 million, or 7.5%, from AZN 1626.7 million to AZN 1748.7 million compared a year earlier. Of the total growth 31% and 69%, respectively, went to local and foreign currencies (see Chart 6).
The increase in problem loans occurred mainly due to loans in foreign currency. The volume of problem loans in national currency rose by AZN 37.9 million, yet its share in manat loans slid from 11.4% to 10.9%. The volume of overdue loans in foreign currency increased by AZN 84 million, with its share increasing from 17.8% to 19.4%. The bulk of problem loans constituted long-term loans (79.5%). Delays in short-term loans have increased by 11% and in long-term loans by 6.6% over the reporting period.
The decline in the deposit market observed 2015-2017 tended to rebound again. Total deposit assets were up 4.8% to AZN 21.6 billion in January-September 2018. The growth in deposits has also been reflected in bank liabilities. The increasing dependence of banks on the deposits has continued. In 2015, although the share of deposits in total liabilities was 74.9%, it touched 76% in 2017, and 77.6% as of 1 October 2018 (see Chart 7).
The reason for the increase in deposit volumes are banks' gradual rejection from foreign liabilities and the restriction of abilities to take loans from banks or other financial institutions. According to the CBA, the foreign liabilities of the banks decreased from $2.3 billion to $1.9 billion in January-September 2018. In the same timeframe, the loans provided by banks and other financial institutions slid from AZN 2.12 billion to AZN 2.02 billion.[vii]
Unlike the growth in total deposits, financial institutions saw a decrease in their deposits, down 15.7% to AZN 1.6 billion during the reporting period, while household deposits rose 8.4% to AZN 8.2 billion, while non-financial deposits by 5.8% to AZN 11.75 billion.
The currency structure of deposits showed that the total deposit growth was attributable to the national currency deposits, which represent a 23.8% increase, while foreign currency deposits slid by 2.5%. Population deposits in national currency rose 21.2%, while deposits with financial and non-financial institutions, respectively, by 10.2% and 27.8%. Population deposits in foreign currency rose 2%, while deposits with financial and non-financial institutions, respectively, slid by 21.2% and 1.6%.
The increasing growth in manat deposits recorded in the banking sector has been due to the stability of national currency and high national currency yields. The decreasing tendency in annual interest rates on manat deposits has not diminished the attractiveness of deposits in this currency. For example, the annual interest rate of manat deposits dropped from 11.59% to 10.3% compared to the end of 2017. The average annual interest rate of deposits for legal persons dropped from 5.82%-to 5.55%. The same reduction was also observed in the annual interest rate of foreign currency deposits. Deposits for physical persons dropped from 3.66% to 2.95%, while for legal persons from 1.41% to 1.22% (see Chart 8).
The annual interest rate of national currency deposits that had seen growth after the devaluation, started to decline in 2018. The annual interest rate of foreign currency has also continued to decline. Deposits of individuals fell from 8.83% to 2.95% and legal persons from 4.81% to 1.22% in 2015-2018. As a result of the decline in annual returns on foreign currency, the individuals and legal persons' interest in investing foreign currency money has decreased (see Chart 8).
The growth in demand deposits is indicative of the fact that deposit holders' are uncertain about the sustainability of the banking sector. Demand deposits increased 9.6% to AZN 11.3 billion in the first nine months of 2018. Thus, the share of demand deposits in total deposits increased from 50% to 52.3%. The reason for the growth were the deposits in national currency (34.8%). On the contrary, deposits in foreign currency decreased by 2.2%.[viii] The growth in national currency demand deposits was attributable to non-financial institutions (42.8%).
By virtue of the Law on Full Insurance Coverage of Deposits adopted on 19 January 2016, all deposits that are within the frames of the annual interest rates on deposits, constituting 3% in relation to a foreign currency deposits and 15% for the local currency will be insured irrespective of their amount for the period of three years since the effective date of the Law. Unless the law is extended, it will be invalid from 19 January 2019 and compensations will be regulated by the Law on Insurance of Deposits effective from December 29, 2006. Under Paragraph 26.1 of the said law, the Fund fully covers deposits amounting to AZN 30,000.
The Law on Full Insurance Coverage of Deposits sidelined the outflow of retail deposits from banks. Therefore, the share of on-demand deposits in retail deposits is about 32%, but has tended to grow in recent months. As the said law does not extend to legal persons, their deposits are unsecured. Therefore, the share of time deposits in deposits with non-financial organizations remains high, and even increased by 70.6% in January-September 2018. The growth tendency was also observed in the deposits with financial institutions (from 18.2% to 22.6%).[ix]
According to the Central Bank, the annual interest rate of demand deposits in local currency for the country is 0.2%, while in foreign currency 0.1%, while these figures for time deposits, respectively, are 10.2% and 2.9%.
The level of regional breakdown of deposits showed that deposits were mainly concentrated in Baku. As growth tendency in deposits for Baku (+8%) was lower than that for regions (+14%), the share of Baku was reported to drop (from 92.6% to 92.2%) during the first nine months of 2018. The main growth across the economic regions was observed in Upper Karabakh (52.3%), Upland Shirvan (41.7%), Guba-Khachmaz (31.2%), while there was a 2.6% decline in the Aran economic region (see Chart 9).
Generally, the share of the regions in deposits has remained low. The reason for the low deposits is due to the low interest rate offered for attracted deposits. The average interest rate in national currency for Baku fluctuates between 7% and 8%, while for the regions between 2.5% and 7%, including, for example, 2.6% for the Nakhchıvan AR, 4.1% for Sheki-Zagatala and 4.4% for Aran economic regions.
The Central Bank has continued to support banks through financial instruments to reduce the excessive liquidity by them not only due to a significant increase in the leverage of deposits, but also due to the reduction in lending.
In January – September 2018, a total of 41 deposit auctions were held by the Central Bank of Azerbaijan.[x] These deposits were short-term – 14 days. The total turnover period of attracting deposits at three auctions are 10, 13 and 20 days. The amount of deposit transactions fluctuated between AZN 200-350 million. The demand of banks at all auctions, except for one, exceeded supply by several times. The annual interest rate on the deposit auctions held by the the Central Bank ranged between 8.01% and 14.79%. The average annual interest rate on 34 auctions out of 41 was 8.01%. The banks earned more than AZN 41 million in interest income.
The CBA has also supported banks through short-term notes. The CBA has placed short-term notes 40 times through the Baku Stock Exchange (BSE) over the reporting period.[xi] The turnover period was 28 days. The turnover period for two placements were 27 days and for one placement 364 days only. The volume put-up in auction was mainly AZN 250-300 million. The banks demand for these notes exceeded supply by 2-3 times. The annual yield ranged between 8.01% and 14.52%. The banks earned AZN 69 million in interest income through these notes.
Central Bank's other liquidity management transactions – one, three- and seven-day repo and counter-repo transactions have not been executed.
Centralized loans given by the Central Bank are considered one of the bank resources. However, the share of this source has gradually declined, and this trend continued in the current year. Over the first 10 months of 2018, the volume of centralized loans has slid by 19.2% to AZN 746.3 million. At present, the volume of such loans has been at the lowest level for the past ten years. The highest credit support from the Central Bank was in 2015 (AZN 6.2 billion).[xii]
The decline in the volume of centralized loans has led to a decrease in their share. During the reporting period, the share of centralized loans in the loan portfolio of banks decreased from 8% to 6.2%, while the annual interest rates decreased from 15% to 10%. The reason for this is that the Central Bank has gradually reduced the discount rates from 15% to 10%.
The number of bank customers stood at 6.23 million as at October 1, 2018, which represents a 7.9% increase compared to a year earlier. This is the all-time record. Of the total, 6.13 million, or 98.4% constituted physical persons, while 99.6 thousand, or 1.6% legal persons. The number of customer's accounts rose 8.5% to 17.5 million in the same timeframe. Of this, 83.4% accounted for current accounts, 14.6% credit accounts and 2% deposit accounts. The recent decline in credit and deposit accounts has led an increase in the share of current accounts. The share of current accounts was 74.7% in the pre-devaluation year 2014, touching 83.4% as at the end of September 2018. The share of credit and deposit accounts, respectively, had dropped from 22.4% to 14.6% and from 2.9% to 2% over the reported period. There were 1.7 accounts per bank client in 2013, growing by 2.8.[xiii]
The downward trend towards the dollarization of the banking system continued in 2018 that lead to de-dollarization observed in both lending and deposit attraction.
The loan dollarization that had peaked 49.4% in 2015 since 2006 tended to reduce in subsequent years. The share of loans in foreign currency dropped from 40.9% to 38.6% in January-September 2018, which is the lowest indicator recorded since 2014 (see Chart 10).
The stability of the national currency and low profitability offered by banks in foreign currency decreased the interest of individuals and legal entities in investments in foreign currency, which, in turn, had a detrimental effect on the level of dollarization of deposits. The downward tendency towards the dollarization of total deposits continued in 2018, dropping from 72.4% to 67.4% as of the end of quarter III. The lowest level of dollarization was observed in household (retail) deposits, dropping from 66.5% to 62.6% as of the end of September 2018. The share of foreign currency in the deposits with financial institutions that saw the highest dollarization due to the devaluation (89.1%) shrank to 77.1% as of October 1, 2018. Although deposits with non-financial institutions tended towards dollarization in 20117, it has been replaced by dedollarization since 2018 (see Chart 11).
Analysis of official statistical data has revealed the following tendencies observed in Azerbaijan's banking system during the first nine months of 2018:
The concentration in the banking sector that had slackened since 2017 has been replaced by a moderate growth rate.
The number of bank networks (branches and departments) and staff has grown.
The decrease in Azerbaijan's banking assets observed in recent years has been replaced by an increase during the first nine months of 2018.
Banks have continued to invest in securities and nearly tripled compared to the same period of 2017.
Lending has seen growth thanks to private banks, particularly those with local capital.
The share of consumer sector loans has surged by 41.1%, the highest figure for the past four years.
Lending in national currency has surged, but that in foreign currency has shrunk.
Banks have chosen to provide short-term loans.
Regions have seen more growth in lending compared with lending to Baku.
Overdue loans have continued to increase.
The dependence of banks on deposit resources has continued.
The total deposit growth has been attributable to national currency deposits, while foreign currency deposits have narrowed.
The decreasing tendency in annual interest rates on manat deposits has not diminished the attractiveness of deposits in this currency.
The demand deposits have increased.
The share of centralized loans given by the Central Bank of Azerbaijan has continued to decrease.
The number of bank customers is reported to have increased and the banking sector set a record for number of customers.
Dollarization of the banking system has started showing a decline.
[i] Rankings. Azerbaijan Banks Association. https://aba.az/banklar/renkinql%C9%99r/
[ii] Financial Market Supervision Authority's statistical bulletin
[iii] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
[iv] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
[v] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
[vi] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
[vii] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
[viii] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
[ix] Central Bank of the Republic of Azerbaijan, statistical bulletin, N: 09 (222), 09/2018. www.cbar.az
[x] CBA. www.cbar.az
[xi] Data provided by Baku Stock Exchange (BSE). www.bfb.az
[xii] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
[xiii] Central Bank of the Republic of Azerbaijan, statistical bulletin, N:09 (222), 09/2018. www.cbar.az
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Aziz Ansari: Road To Nowhere
Cannon Center for the Performing Arts · Wed, Apr 17, 2019 @ 07:30 PM
Aziz Ansari has announced the Road To Nowhere Tour coming to the Cannon Center on April 17, 2019.
Tickets ON SALE NOW!
Aziz stars in, writes, and directs MASTER OF NONE, a Netflix original comedy series that he co-created with Alan Yang (PARKS AND RECREATION). Now in its second season, Aziz won the 2016 and 2017 Emmy Award for "Outstanding Writing for a Comedy Series" and has received five additional nominations for "Outstanding Lead Actor in a Comedy Series" (2016 and 2017), "Outstanding Comedy Series" (2016 and 2017), and "Outstanding Directing for a Comedy Series" (2016). He won the 2017 Golden Globe Award for "Best Actor in a TV Series, Comedy" and the show was nominated in 2016 and 2017 for "Best TV Series, Musical or Comedy". The show was additionally nominated for a 2017 WGA Award for "Writing for a comedy Series" and a 2017 TCA Award for "Outstanding Achievement in Comedy" and Aziz was nominated for "Individual Achievement in Comedy". He was recently honored with the Charlie Chaplin Britannia Award for Excellence in Comedy (2017), a SAG nomination in 2017 for "Outstanding Performance by a Male Actor in a Comedy Series," and the 2017 WGAW Evan Somers Award for outstanding writing featuring characters with disabilities, for the MASTER OF NONE episode "New York, I Love You." Aziz received his first DGA Award for "Outstanding Directorial Achievement in Comedy Series for 2017" for The Thief, and his first PGA Award - The Danny Thomas Award for Outstanding Producer of Episodic Television, Comedy: "Master of
None" (Season 2). The show was one of AFI's "Top Television Programs of the Year" in 2015 and 2017. Additionally, it received a 2016 and 2017 Critics' Choice nomination for "Best Actor in a Comedy Series." MASTER OF NONE won the 2015 Peabody Award and the 2016 Critics' Choice Award for "Best Comedy Series" and was nominated for three Television Critics Association Awards for "Outstanding Achievement in Comedy," "Outstanding New Program," and "Individual Achievement in Comedy;" four NAACP Image Award Nominations for "Outstanding Actor in a Comedy Series," "Outstanding Writing in a Comedy Series" (2016 and 2017) and "Outstanding Directing in a Comedy Series;" and two GLAAD nomination for "Outstanding Individual Episode" for Thanksgiving (2017) and "Outstanding Comedy Series" (2016).
In 2015, Aziz became one of the only headlining comedians ever to sell out Madison Square Garden in New York. His two sold-out performances at the legendary arena were filmed for his fourth comedy special, AZIZ ANSARI: LIVE AT MADISON SQUARE GARDEN, which was released on Netflix in March 2015. In 2013, his hour-long stand-up special BURIED ALIVE premiered on Netflix to rave reviews. Aziz's other comedy specials include DANGEROUSLY DELICIOUS and INTIMATE MOMENTS FOR A SENSUAL EVENING. He continues to perform stand-up for tens of thousands of people all around the world.
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Home > Fashion > Paris Fashion Week goes online, brands advised to not invite live guests – Times Now
Paris Fashion Week goes online, brands advised to not invite live guests – Times Now
Gone are the days when you had to feel the pressure of dressing up to be able to fit in the crowd and watch the fashion week! This year, thanks to the new normal, we can enjoy the fashion week out of the comfort of our bed in PJs!
Who would have thought being an audience to the prestigious Paris fashion week from our locally bought pyjamas! Though Paris isn't technically in a lockdown now as it ended on December 15th, it still has strict rules across the city, including an 8 pm curfew and restaurants, bars, museums and theatres.
But just because people can't see models strut down the catwalk in person doesn't mean they won't get to see them at all. Filming is allowed, so the brands who stage physical shows will be recording or live streaming their shows and much to the delight of fashion fans everywhere you can catch it live on your mobile or laptop screen!
According to agency sources, the Fédération de la Haute Couture et de la Mode has advised brands against inviting live guests this season.
The federation has said, "We can confirm that there can be no public gatherings" at Paris Fashion Week, adding that, fashion houses can still organize 'real' runway shows with models broadcast live, provided that their events take place behind closed doors.
Fendi, Dolce & Gabbana and Etro – all have said their shows won't include guests. They were among four brands planning live shows this round.
Another important thing to watch will be the collection. Louis Vuitton in April joined the bandwagon of making luxury protective gear. It launched a Faceshield. The LV Shield makes for an eye-catching headpiece, both stylish and protective," the brand said in a statement.
The shield transitions from clear to dark in sunlight, protecting wearers from the sun. It also features golden studs engraved with Louis Vuitton's brand name and an elastic, monogrammed headband.
The company said it has repurposed several of its workshops across France to "produce hundreds of thousands of non-surgical face masks," for health care workers.
The brand also said it was donating thousands of hospital gowns to six Paris hospitals in urgent need of protective gear.
However, the Centers for Disease Control and Prevention does not currently recommend the use of face shields as a substitute for masks, as it is not clear what level of protection they provide.
Apart from LV, Kering, the parent company of Balenciaga, Saint Laurent, and Gucci has also launched face masks to support medical professionals who are running low on personal protective equipment (PPE)
Would they make these a part of the runway display too? It would indeed be a fun and exciting occasion to watch out for!
Source Article from https://www.timesnownews.com/international/article/paris-fashion-week-goes-online-brands-advised-to-not-invite-live-guests/706823
https://www.timesnownews.com/international/article/paris-fashion-week-goes-online-brands-advised-to-not-invite-live-guests/706823


22/01/2013�� I have a schoolassignment to do that has to do with statistics, data, etc... So I think it would be interesting to see how much money people spend on a Free 2 Play game.... Click your name on the top right of steam window, then click account details, then click game transactions.
Buy a League of Legends Account safely with the worlds biggest LoL account store and marketplace ???. Instant Delivery and Free Lifetime Guarantee on all our LoL �... 8/02/2015�� Whether you're looking for reveal articles for older champions, or the first time that Rammus rolled into an "OK" thread, or anything in between, you can find it here. When you're finished, check out Boards to join in the latest League of Legends discussions.
How Much Time You�ve Spent on YouTube Google announced it is rolling out the feature today, so if you don�t see it now, you should soon. If you have it, the next time you launch YouTube, you... Here are a few steps to find out how much time you spend on Facebook app � � In order to access it, Facebook users can download the app on their Android or iOS device.
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22/01/2013�� I have a schoolassignment to do that has to do with statistics, data, etc... So I think it would be interesting to see how much money people spend on a Free 2 Play game.


First Day of Spring ?
I'm not in charge! (Ever done that?! Please say yes!) Situations–my life–might not be as I would make or prefer, but my perspective is earthly and flawed; my vision is limited. I may want blue skies when snow if falling, totally unaware of some greater need or reason.
I may be wearing flannel-lined jeans and a wool sweater, but I will rejoice in this first day of spring the Lord has made for this year. I will paint my toenails robins' egg blue. I will put a new bar of soap at my kitchen sink: cucumber and lemon grass. I will have a salad of tender lettuce leaves and a cup of tomato soup for lunch. Then I will curl up on the sofa under a cozy blanket and watch the snow continue to fall, and I will remember that the LORD is the great Creator. What better way to begin the birth of a new spring than with a fresh wash of pure white. "Wash me, and I shall be whiter than snow." (Psalm 51:7) Let's rejoice, and be glad in this day the LORD has made!
Ever heard that phrase? I remember it from long ago, and it always seemed to give me a giggle, thinking about some crazy rabbit running around in circles or leaping over boxwoods as soon as the calendar flipped to March.
Now, I'm "All Grown Up"–or at least as grown up as I can be so far–and I know that rabbits don't follow calendars, but that got me to thinking…that and a concert I attended a few days ago.
Three of my friends and I drove a couple of hours south and went to a wonderful Christian concert featuring several fantastic bands and musicians. It was a time beyond wonderful. We enjoyed the music and each had our favorites. We did agree on one thing though–we loved looking around the arena and seeing so many people praising and glorifying God and Jesus. We were so thankful to have been a part of that. Those musicians were truly using their gifts to praise and glorify God and Jesus.
Bakers could make cookies or cakes in the shapes of hearts and pipe Jesus Loves You on the frosting and hand them out. Friendly folk could share their joy in the grocery line, at the gas pump, and with the home-bound. Artists could draw or paint or mold or carve things to illustrate scripture. Businessmen and women could pray with their teams before meetings and presentations. Moms and Dads could take their children on walks and talk about God's wondrous works. We may not all be stage musicians, but we all can sing along using the gift God gave us.
What would it look like for you? Leave a comment–I really want to know!
It really doesn't seem like such a crazy idea after all.


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A Pier 1 Imports store is shown in Dallas, Thursday, June 15, 2005. Home furnishings retailer Pier 1 Imports Inc. said Thursday its first-quarter loss nearly doubled, thanks to weak customer traffic, and that it will close slightly more stores than previously announced. (AP Photo/Donna McWilliam)
Pier 1 Imports to close up to half its stores
The furniture chain is reportedly preparing for a bankruptcy filing and plans to cut corporate staff.
Author: Douglas Jones (TEGNA)
Published: 3:16 PM PST January 6, 2020
Updated: 3:29 PM PST January 6, 2020
WASHINGTON — The furniture chain Pier 1 Imports says it will close up to 450 stores and is reportedly preparing to file for bankruptcy. In that process the retailer is said to be planning to cut about 40% of its staff, according to reporting by Bloomberg. The 450 stores the home goods brand says it is closing make up about half of its brick and mortar operation.
As CNN reports, Pier 1 Imports has been struggling to compete for years with the demands of online shopping, and "big-box rivals."
Pier 1 received consent from lenders under the Revolving Credit Facility Monday to reduce the amount of brick and mortar stores it operates. According to the retailer, the company plans to close 450 store locations as well as "certain distribution centers" and plans to reduce its corporate expenses, including a reduction in "corporate headcount." Pier 1 is planning to utilize the services of a third party liquidator in the process of closing stores.
According to an investor relations document released by Pier 1 on January 6th, company's comparable sales were down by 11.4%, citing an issue with recent holiday sales. Net sales also decreased by 13.3% in the third quarter of 2019.
RELATED: Cost Plus World Market closing in Elk Grove
RELATED: A.C. Moore to close all stores nationwide, replace 40 locations with Michaels
Pier 1 Imports is headquarters in Fort Worth, Texas and was founded in 1962 with one brick and mortar store. Today the retailer operates 936 stores around the U.S. along with an online retail operation.
CNN Business reports that various US retailers announced 9,302 store closings in 2019 which was a 59% increase from 2018, making it the highest jump since the firm Coresight Research started tracking store closings in 2012.


Today Lenovo has announced a new smartphone for the Indian market. It's called A2010 and it has become the subcontinent's cheapest 4G-capable handset.
The Lenovo A2010 features a 4.5-inch 854x480 touchscreen, a 5 MP rear camera with LED flash, a 2 MP selfie shooter, MediaTek's MT6735M 64-bit SoC with 1 GHz quad-core CPU and Mali-T720 GPU, 1GB of RAM, 8GB of expandable storage, dual-SIM functionality, and a 2,000 mAh battery.
It runs Android 5.1 Lollipop. Its dimensions are 131.5 x 66.5 x 9.9 mm, and it weighs 137g. It will be offered in black and white.
The black model will be available exclusively at Flipkart through flash sales which start on September 3. Registrations for these are now open. The smartphone is priced at INR 4,990. That's currently around $76 or €68.
According to a Flipkart exec, today one in three 4G phones sold in India is a Lenovo. So the A2010 could be pretty successful too.
this is not bad but i am not like this smarphone because 1Ghq processor is so, hence. I think Lenovo make this smartphone is very hasty work.


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May 9, 2022, 10:09 AM ET
Take the plunge with first teaser trailer for James Cameron's 'Avatar' sequel 'The Way of Water'
Officially titled The Way of Water, the sequel takes place over a decade after the first movie.
A still from James Cameron's AVATAR: THE WAY OF WATER. Photo: 20TH CENTURY STUDIOS
It's time for audiences to return to the lush jungle planet of Pandora with the very first stunning teaser trailer for James Cameron's long-awaited sequel to 2009's Avatar. Finally opening in theaters this holiday season, the second chapter in the epic sci-fi saga is officially subtitled The Way of Water. This aquatic monicker refers to the fact that most of the action takes place on or near the crystal-clear waters off the coast of Pandora, where we'll get to meet another tribe of Na'vi and a menagerie of maritime beasts.
Sam Worthington (The Debt) and Zoe Saldana (Guardians of the Galaxy) return to headline the follow-up to the highest-grossing movie of all time as Jake Sully and Neytiri, who — along with their children — have become the leaders of the Omaticaya clan. While originally disabled below the waist, Jake was able to magically transfer his consciousness into the body of a Na'vi avatar.
Taking place more than a decade after the original film, the sequel "begins to tell the story of the Sully family ... the trouble that follows them, the lengths they go to keep each other safe, the battles they fight to stay alive, and the tragedies they endure," reads the official synopsis provided by Disney (releasing the movie under its 20th Century Studios banner).
Other returning actors from the first film include: Stephen Lang (Colonel Miles Quaritch), Sigourney Weaver (Dr. Grace Augustine), CCH Pounder (Mo'at), Joel David Moore (Dr. Norm Spellman), and Giovanni Ribisi (Parker Selfridge). Despite the fact that Weaver's character died during the events of the last film, odds are good she's resurrected via the same Hometree magic that allowed Jake to swap bodies.
The upcoming blockbuster will seriously up the ante with a slew of fresh, A-list cast members, including the likes of Kate Winslet (collaborating with Cameron for the first time since Titanic), Michelle Yeoh (Star Trek: Discovery), Jemaine Clement (What We Do in the Shadows), Cliff Curtis (The Meg), and Edie Falco (The Sopranos).
The trailer above — which was first shown at CinemaCon last month — made its public debut alongside theatrical screenings of Doctor Strange in the Multiverse of Madness this past weekend.
Avatar: The Way of Water swoops into theaters everywhere Friday, Dec. 16. The first movie will be re-released into theaters on Sep. 23 in an effort to reacquaint audiences with the universe, while bringing in new fans at the same time. Four Avatar sequels are planned in total.
"If Avatar 2 does well and if we finish 3 and 3 does well, we go on to 4, but it's all written out," Cameron said during a 2021 press junket attended by SYFY WIRE. "The way I imagine it is I've got this series of novels that we've bought. We have the IP and we can continue to make movies from them ... I've got some of the world's best design artists working with me, the best creature designers, and I just love to see what they create when I create a provocation by giving them sometimes a sentence or a paragraph and see what they come back with. It's a great process."
Enjoy the first poster and a collection of first look images below...
Avatar: The Way of Water (2022) Poster Photo: 20TH Century Studios
In the meantime, you can take the plunge into the watery depths of Earth's oceans with James Cameron's Deepsea Challenge — now streaming on Peacock.
Looking for something out of this world? Download SYFY's free app to watch full episodes and tons of extras.
Watch Resident Alien


Today, Kreative Corporation had the pleasure of volunteering at the DC Central Kitchen! We met some of the most friendly and warm-hearted people in the district and had so much fun preparing meals for people in need. DC Central Kitchen is the nation's first and leading community kitchen that develops and operates social ventures targeting the cycle of hunger and poverty. They "fight hunger differently" by training jobless adults for culinary careers and then hiring dozens of our own graduates to prepare the 3 million meals we provide for homeless shelters, schools, and nonprofits each year. Their ventures also prevent the waste of millions of pounds of nutritious food, expand access to healthy, local options in urban food deserts, and scale our model nationally through strategic partnerships with colleges and universities.


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Q: Listening for rollover on a JToggleButton in ChangeListener? Keeping in mind that MouseListeners for Swing buttons is a big nono, how can my JToggleButton listen for rollover/mouseOver events? The code below does not print out "rollover".
import java.awt.event.ItemEvent;
import java.awt.event.ItemListener;

import javax.swing.*;
import javax.swing.border.*;
import javax.swing.event.ChangeEvent;
import javax.swing.event.ChangeListener;

public class Test {

  public static void main(String[] args) {

  JPanel panel = new JPanel();
  final JToggleButton button = new JToggleButton();
  button.addChangeListener(new ChangeListener() {
    @Override
    public void stateChanged(ChangeEvent arg0) {
        ButtonModel mod = button.getModel();
        if (mod.isRollover()) {
            System.out.println("rollover"); //won't work, unless button is of type JButton
        }
    }
  });
  JFrame frame = new JFrame();
  frame.add(panel);
  panel.add(button);
  frame.setVisible(true);
  frame.setDefaultCloseOperation(frame.EXIT_ON_CLOSE);
  }
}

A: Your code is correct. But, keep in mind that rollover is not enabled by default. So, you have to do this first:
button.setRolloverEnabled(true);

A: public void setRolloverEnabled(boolean b)
Sets the rolloverEnabled property, which must be true for rollover effects to occur. The default value for the rolloverEnabled property is false. Some look and feels might not implement rollover effects; they will ignore this property.

You should call button.setRolloverEnabled(true);


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CAPS Aviation To Provide Free Training to The Ninety-Nine Members
admin October 22, 2018 News, Press
Jessica Gonzales, Director of Operations
capsaviation.com
Please Note: This offer has now ended! For more information about partnering with CAPS Aviation, please contact Jessica Gonzales at (818) 997-0512.
CAPS Aviation is proud to announce a special partnership with The Ninety-Nines, an international organization of licensed women pilots from around the world. Through this partnership, CAPS Aviation will be offering free training to any member of the Ninety-Nines, who describe themselves as "professional pilots for airlines, industry and government; we are pilots who teach and pilots who fly for pleasure; we are pilots who are technicians and mechanics. But first and foremost, we are women who love to fly!"
"Being a woman in aviation is clearly near and dear to my heart," said Jennifer Gamon, owner of CAPS Aviation. "My father was a pilot, and instilled in me a great sense of respect and admiration for everyone in this industry, but especially the women. It's been a hard road, and can still be a hard road, but we hope that providing complimentary training such as this, we can help everyone move ahead. Along those same lines, I am working to obtain my own pilots license. I don't see it as following in my father's footsteps so much as I see it as walking beside him."
CAPS Aviation, previously known as Corporate Air Parts, was founded by Gamon's father, Neil Looy, in 1983. Looy served six years in the United States Air Force as an F4 pilot, then flew DC-10's for World Airways, before accepting a position with film producer Glen Larson as a movie pilot. In early 2017, Neil passed away and left the company to Gamon, who had been working alongside her father for over 14 years. Since then, Gamon has rapidly expanded CAPS' already extensive capabilities, and pursued new ways to give back to the aviation community.
"At CAPS, we really believe in being productive members of our community. We are active members of a number of aviation-related organizations, such as the Southern California Aviation Association and the National Business Aviation Association. Given our passion for supporting women, connecting with The Ninety-Nine's seemed like the perfect partnership," said Jessica Gonzales, Director of Operations. "We are so excited to launch this program with such a well-respected organization."
The Ninety-Nines was founded in 1929 by noted aviator Amelia Earhart and 98 other early women pilots (of the only 117 of the day). It is from this that the organization took it's name. Since then, thousands of women pilots from over 40 countries have joined their ranks. The organization promotes advancement of aviation through education, scholarships, and mutual support, all while honoring the unique history of women in aviation, and sharing their passIon for flight.
CAPS Aviation offers a variety of training courses, including AHA Heartsaver First Aid, CPR & AED, FAR 135.331 Crewmember Emergency Training and Cabin Flight Services. For more information about CAPS Aviation or these courses, please visit capsaviation.com.
ABOUT CAPS AVIATION
Based in Van Nuys, Calif, for more than 30 years, CAPS Aviation is an internationally-recognized leader in OEM and aftermarket support of business aircraft, specializing in cabin safety training and equipment, maintenance support, tool calibration services, and domestic and international logistics.


Of the #ThinkProgress vs #WeeklyStandard dustup, @saletan helpfully blogs "Whether Facebook should issue such labels and demotions at all is worth debating". Thank you for allowing that rather than, eg, letting #Snopes decide what people can see.
.@saletan thinks Jon Huntsman wrote the anti-Trump "resistance" OpEd. While he makes an OK case based on JH using similar words, I don't think it's him. What issue the OpEd harped on isn't very Huntsman-like? What key issue the OpEd ignored would Huntsman have mentioned?
@jonathanchait You must be new to emancipatory discourse, you technofascist neoapartheid militocratic ratfucker.
.@saletan: 2nd try: @jonathanchait says GMOs are "harmless". How many long-term, non-Monsanto studies have there been?
@jonathanchait he is an awful person ...a Christofascist ...geez stop.
@jonathanchait No fair. Low bar.
.@saletan: great piece about conspiracy theories. What do you think about the crazy ideas of @SharronAngle about fluoride?


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Call at Coimbatore meet for steps to reduce contamination in cotton
Coimbatore : Stakeholders in cotton and textile industry have expressed concern over the contamination in cotton and also lower yield in India compared to other countries.
Chairman and Managing Director of Cotton Corporation of India (CCI) P Alli Rani told the two-day 4th All India Cotton conference last night here that though India was the largest producer of cotton, the trash level in the raw material affected the end users.
In view of this, the Centre and the Textiles Ministry were taking efforts to reduce contamination in cotton for the benefit of the industry, she said. As a first step, Bureau of Indian Standards would work out a system for traceability of cotton arriving as bales from ginning factory, Alli Rani said.
The Government should be able to know the source of contamination and take preventive measures, she added.
Apart from this, once the second phase of Technology Mission on Cotton, as proposed by Textiles Ministry, was approved, the problem of contamination could be easily solved.
Both the cotton trade and industry should join hands to remove contamination, which was affecting the economy, and take efforts to create 'clean cotton and truthful cotton,' Kotak Commodities chairman, Suresh Kotak said at the conference on 'india Cotton Scenario in the Current Context 2018-19'.
The conference is jointly organised by Indian Cotton Federation and Indian Cotton Association, Bathinda.
He said the industry should take efforts to increase the yield and productivity of cotton, which was 550 kg per hectare compared to 1,200 to 1,500 kg in other cotton-growing countries.
Tamil Nadu being a major cotton consumer with nearly 45 per cent textile mills, CCI should open a depot in the State either in Madurai or Coimbatore, deputy chairman of Confederation of Indian Textile Industry T Rajkumar said.


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Zach Martinez: The Parable of Lazarus and the Rich Man
News | August 4, 2019
Zach Martinez
Once, while he was traveling south from Galilee to Jerusalem for Passover, Jesus stopped and began to tell several parables. One of the parables Jesus tells on this occasion has felt particularly poignant to me in recent weeks: The Parable of Lazarus and the Rich Man (Luke 16:19-31).
The parable goes like this: There is a Rich Man who lives a lavish life. He is dressed in purple linens and feasts every day. At the gate of the Rich Man's house is a poor beggar named Lazarus. Lazarus is covered in sores and has nothing to eat, longing for one of the scraps that falls from the Rich Man's table. One day, both Lazarus and the Rich Man die. Lazarus goes to be with Abraham while the Rich Man is tormented in Hades. When the Rich Man saw Lazarus with Abraham, he instructs Lazarus to bring him some water, but Abraham says to the Rich Man, "Son, remember that during your lifetime you received your good things, and Lazarus in like manner evil things; but now he is comforted here and you are in agony."
The moral of the story is this: God does not deal kindly with those who have great wealth but do not use it to alleviate the suffering of those around them.
I was reminded of this parable when video was released of Vice President Mike Pence and members of Congress, including Lindsey Graham, touring a detention center in McAllen, Texas. Dressed in the accoutrements of wealth, the vice president and Mr. Graham stared blankly across a chain link fence into the faces of some of the region's most vulnerable people. Nearly 400 men, packed into crowded conditions, where they told reporters they had been unable to shower. There were no beds or bedding, only concrete floors and foil blankets. Mr. Graham said later, he didn't care how long they stayed there.
Jesus' parable doesn't bode well for the vice president or the members of Congress who joined him in McAllen. As a man of faith, I expect Mr. Pence is familiar with this parable. It would be interesting to hear his take on it because, from my perspective, the parallels between himself and the Rich Man, who neglected the suffering of a man just across the fence from him only to be tormented in Hades, are pretty striking.
Those of us here in Greeley, far away from the border, however, are not off the hook. The internet has brought the "far away" closer than ever before. While the modern-day Lazarus may not always be right outside our door (though there are several analogies to be made from Lazarus), we can still see his suffering. It is, therefore, incumbent upon people of faith, particularly people of Christian faith, to take Jesus' words seriously. If we know of people suffering on the border, does our distance absolve us of responsibility? I think not.
About a month ago, CNBC published an article that included both a short list of reputable charities that are working with immigrants — especially children — at the border and instructions on how to ensure charities are worth donating to. I would encourage my readers to consider researching and donating to help alleviate the suffering of Lazarus at our gate.
This is not a political issue. I'm not here to tell you how to vote or who to vote for or suggest changes in immigration policy (though I would like to see changes in U.S. immigration policy). I'm appealing to people of faith, as a man of faith, to take Jesus' words literally and seriously in their personal lives. There is no biblical precedent for doing nothing while people are locked in over-crowded conditions without access to basic hygiene. There is, however, substantial precedent for being moved by compassion and love of God to alleviate suffering. By God's grace, let us be so moved.
— Zach Martinez is the pastor of Sojourn Mennonite Church, the only Historic Peace Church in the Greeley area. He has a B.A. from the University of Northern Colorado and an MDiv from North Park Theological Seminary.
Bart Smith: Adjusting expectations on thirsty lawns
It was a combination of the shock of opening my mid-summer water bill and the frustration of coaxing my aging gasoline-powered lawn mower to life that caused me to look at my spacious blue-grass lawn in a new light.
Jon Healey: Trump says he broke no laws with Ukraine. The GAO just found otherwise.
Gnarly Trombone: Strange days, indeed
Eric Washburn and James Pribyl: Colorado needs its wolves back


Life Cycle 6 China: Cycling for Education Equity.
Yes we made it. University of Nottingham Ningbo China (UNNC)'s provost Chris Rudd was accompanied by nine riders (including myself) and embraced 535km bicycle journey. Ended up with 560km at the end. What was the route? It was a tour of Zhejiang province: Ningbo- Shaoxing- Hangzhou- Zhuji- Tiantai- Sanmen-Ninghai- and back to the university.
Life Cycle is an annual campaign event in University of Nottingham UK, and this year is UNNC's second year. History of Life Cycle events for the last six years, click here.
UNNC Life Cycle 6: For some cheeky updates about pre-rides, prep and the four days ride; follow the journey on #unnclifecycle6 (in F*cebook) or #unnclifecycle6 (in Inst*gram).
Click here to meet the team and ways to donate. Image courtesy of Tao Wu and the university's website.
Six minutes Youtube video is embedded as below.
Here are screenshots of the Insta feed (updated after the event).


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Displaced families finally get land for reconstruction
Published On: May 13, 2018 03:27 AM NPT By: Bhagawati Lama
NUWAKOT, May 13: Three years after the devastating Gorkha earthquake, Sitaram Tamang of former Ghyangfedi VDC-6 in Nuwakot district finally got land to build his home. Following the earthquake, geologists had put Tamang's name in the list of the households which needed to be relocated. Now that the National Reconstruction Authority (NRA) has made land available to the family, they are hopeful of seeing their new house, three years after their earlier house was badly ravaged by the 2015 disaster.
"We spent three monsoons and winter seasons in a flimsy makeshift tent. It's painful to remember our pathetic condition when rain waters seeped through the roof," said Tamang. "Now that the government has finally provided us the land, hopefully we can spend all the upcoming winters and monsoons in our own concrete house.
"As many as 46 households were displaced by the earthquake and landslides in Ghangfedi. The government has initiated a process to relocate them to former Shikharbesi VDC-1. NRA has provided a grant of Rs 200,000 per household, allowing the victims to build houses in the place of relocation.Aaitaman Tamang, Daman Singh Tamang and Yudin Kumar Adhikari among other displaced locals of the place are finally taking a step towards constructing their houses.
However, they are also saddened to leave their ancestral home."We cannot rebuild our houses at the old location as we have been told that the land there has been greatly weakened. Although we are very sad to hear this, we can only hope that the next generation of our families would not inherit our troubles," said Sonam Lama, another local. "Although we are a step closer to having our own houses, we still have to struggle for daily meals. That problem still continues.
"In order to relocate households of Dupcheshwar Rural Municipality, a committee had been set up for determining the relocation area. Karmajeet Tamang, one of the members of the committee, informed Republica that it took them a lot of time to find the suitable place, causing the delay."At the end, we were able to find land for relocation despite the delay.
The only problem now is how these families would make their living," he said, adding that helping hands for them would be necessary.As many as 74 households of former ward numbers 3, 6 and 9 of Ghyangfedi VDC were displaced. However, land has been made available to only 46 of them. According to Bed Prasad Godel, acting chief of Nuwakot chapter of NRA, 19 ropanis of land has been bought for 46 households at the cost of Rs 9.2 million.
NRA to up reconstruction aid for families with no breadwinner
KATHMANDU, Jan 14: The National Reconstruction Authority (NRA) has initiated a survey to identify households in all the 31 earthquake-affected...
Reconstruction should get top priority: Minister Joshi
KATHMANDU, April 26: Minister for Industry Nabindra Raj Joshi on Tuesday said that the government has requested industrialists to provide construction...
Bereaved families of Mai river boat tragedy to get compensations
ILAM, Oct 17: The bereaved families of the victims of the Maikhola (river) boat tragedy that occurred here last Friday...


The greatest pleasure in life is to do something you believed that you were not and will not be able to do. Sometimes, all you need to achieve an important thing is just a push of someone you really trust. Of course, every one remembers when he was a kid and how the feeling was when his mother or his father stimulates him in school's exams just by saying "you can do it". A single simple phrase but with a pure positive effect on mind. But people grow up and face difficulties in life much more than exams and sometimes they need someone to talk with like a personal advisor. A third-party that you can talk to and who will actually listen to what you have to say without prejudice ears. For this purpose, you shall know what a personal advisor is and what does this person do in addition to people's different opinions and misunderstanding of the personal advisor's role in others' life.
So, do you have a Personal Advisor? Even know what a "Personal Advisor" is ? Personal advisor is someone who you can rely on, who can offer you a good advice and guide you when you have a fork in the road and can not choose the right way. A personal advisor is the one who can support and help you in getting better circumstances and better opportunities in life. But what are people's opinions about having a personal advisor??
Concerning personal advisor, people do have different opinions about consulting one. Some people know the fundamental role that personal advisor plays and believe in the importance of having one as guidance for getting a better life. Yet, others do not like the whole idea because they are confused between personal advisor and Psychotherapist. Personal advisor, as was said before, is someone who supports and helps you in getting better circumstances and better opportunities in life. On the contrary, Psychotherapist is someone who provides treatment to initiate change in the patient's thoughts, feelings, and behavior through adaptation. So, the picture is clear now and no one can deny that sometime he falls in trouble and needs his own personal advisor.
Although some people do not like the idea of having a personal advisor, they have their excuses as they often do not know either what the personal advisor is – and that what was explained in the previous paragraph – or what the personal advisor does – and that what shall be discussed now. When you are in need of a good advice – but not in need of a therapist or a mental health professional – here comes the personal advisor's role. A personal advisor can work alongside you and help you in Pathway Plan. A person who can provide you with advice and support in addition to helping you to make decisions concerning your future issues related to education, job, health, and living arrangements. Besides keeping in contact with you to see how your progress is and ensure your Pathway Plan is going on the right way. So, who do not need such a help in his life from time to time?
In fact, if someone wants to summarize what a personal advisor is, he would say: a person who does not let you dwell in the past; yet, someone who gives you the hope to dream of the future and makes you concentrate your mind on the present moment. Still do not want to have a one??
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