One of the most common positions you will see regularly posted for Dunkin Donuts is the crew member position. This job is responsible for a broad range of responsibilities with tasks requirements like assisting customers as well as basic food preparation. In our article, we will cover the core responsibilities of the Dunkin Donuts crew member job description, as well as other important information like its starting pay and work environment.
Dunkin Donuts Crew Member Job Description & Duties: What Does a Dunkin Donuts Crew Member Do?
With the Dunkin Donuts crew member job title, you will be expected to perform a wide range of different functions. Below, we will be describing the main responsibilities of the position, the types of working hours, as well as other important factors like the work environment and typical salary.
For the vast majority of Dunkin Donuts crew member positions, they are part-time only and average anywhere from 20 to 30 hours each week. This is a position that applicants as young as 16 years old can apply for. In some busier locations, there may be the opportunity for full-time advancement with hours ranging up to 40 hours each week.
As a crew member at Dunkin Donuts, you will be expected to stand for the majority of your shifts. You will also need to be comfortable walking back and forth regularly as you prepare customer orders throughout the day. During shifts where you are assigned to the back of house, you will be exposed to warm temperatures in the kitchen area for long periods as well. In addition, you must also be comfortable talking with people since this position requires frequent interaction with people.
With the crew member position at Dunkin Donuts, you can expect the starting pay rate to vary considerably from location to location. This is due to the fact that all Dunkin Donuts stores are franchised and the starting pay is based on the owner's individual preferences and applicable state laws. With this in mind, the typical starting pay range for this position is anywhere between $8 and $9 an hour. Benefits like 401k, health insurance, and paid time off may also be available at certain locations as well for full-time employees.
To be successful in the Dunkin Donuts crew member position, you will be expected to quickly change tasks throughout the day as business dictates. Furthermore, people skills are a necessity to be able to connect with customers and ensure they have a pleasant experience. If you're interested in finding out more about one of these positions, consider checking out a job board like snagajob for postings in your area or visit the Dunkin Donuts careers page.


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The Collapse of the British Military
America in Decline, Military and Police Matters, Military Matters, Politicians' Nonsense, Society's Strangeness 1 Response »
King George V reviewing The Grand Fleet at Spithead in 1914. 98 years later, Queen Elizabeth II had to settle for watching a procession of private launches motoring up the River Thames in London.
Britain is widely regarded by all (except perhaps our 'Commander-in-Chief') as being this country's strongest ally – it is the country we have a 'special relationship' with. They feel the same way about us too, and they've not hesitated to support us whenever we've needed it.
The strength of Britain as our ally is measured not just in its moral support of our policies and positions on the world stage, but also in its military support too. Wherever we've been fighting in the last several decades, there have been British troops, planes and ships alongside ours.
It is sobering therefore to understand how Britain's military capabilities have massively imploded in on themselves. We not only have our President spurning our relationship with Britain while racing around the world apologizing and bowing to our enemies, weakening the strength of the ties that keep us and Britain so closely together, we also have Britain's disarming of itself to the point of international irrelevance.
This article, in Britain's leading and somewhat conservative newspaper, The Daily Telegraph, is mainly of little interest to most Americans, inasmuch as it involves Britain's dispute with Argentina over the Falkland Islands. But we can't let that topic pass without point out how sad it is to note the contrast between the short war with Argentina in 1982 when President Reagan fully supported Britain, and the current situation where our President and his team are unable to even say they support Britain, while cozying up to Argentina.
What is most interesting, however, is to look down to the bottom, at the table of Britain's military strength as between 1982 and 2013. In case the link has eroded over time, we repeat the information here :
Total personnel 320,000 160,000
Carriers 2 0
Submarines 32 9
Destroyers 15 7
Frigates 46 13
Assault ships 2 4
Patrol boats 15 4
Minesweepers/hunters 29 15
Auxiliary (tankers, etc) 45 13
Aircraft 400+ 130
This isn't just a recent decline over the past 30 years, it has been steady and almost without a break all the way since World War 2. For example, total personnel in Britain's armed services in 1972 were 371,000; in 1962 were 434,000; and in 1952 were 872,000. In sixty years, personnel have reduced five-fold.
In 1913 Britain's navy was the most powerful in the world, and by official policy, larger than the next two navies combined. In time for World War 2 Britain's navy was still larger than any other single nation, but by the end of the war, the US navy was massively larger, and Britain's navy has continued to decline ever since.
When Queen Elizabeth was crowned in 1953 the Royal Navy put on a formal 'review' at Spithead, with nearly all its fleet lined up in massive rows of warships. When she observed the 60th anniversary of her ascending to the throne in 2012, the tradition of reviews, dating back to the 1700s, was replaced by a 'flotilla' of pleasure launches cruising along the Thames river in London. The Royal Navy was too embarrassed to admit it no longer had enough ships to be reviewed and hoped people would not notice the difference between private boats motoring along the Thames compared to the former might of the Royal Navy in years past.
The reduction in armed personnel is all the more extreme when plotted against the rise in Britain's total population. In other words, the number of armed personnel as a percentage of the total country's population is declining more rapidly than the simple decline in staffing. This chart below gives a perspective on numbers from 1950 through 2012 (source).
There are two other issues arising from this, beyond Britain's simple loss of military power.
The first is that it takes a lot longer to train a soldier, sailor, or airman now than it did 50 years ago. Everything is much more complicated, and requires much more training. This means that if Britain had to suddenly respond to a 'high intensity' conflict, or to come to our aid in a high intensity conflict of ours, by the time Britain could start deploying newly trained recruits, it would probably be too late.
The second issue is more subtle. For almost all of Britain's history, the armed services were a key part of the nation's social fabric. Occasional high intensity conflicts, occurring once a generation or so, saw large swathes of the population called up for service (as much as 10% of the population in both World War 1 and 2). It wasn't just the small percentage who served in wartime, either – even during peacetime, universal conscription – 'national service' saw all young male adults exposed to army training and discipline. This ended in 1960 with the last intake being November 1963 – 50 years ago.
For the last 70 years, Britain has not had any high intensity conflicts, while the 'pool' of ex-servicemen has been dwindling as the old soldiers simply die. The number of surviving WW2 soldiers is now rapidly reducing and soon there'll be no more.
Britain is losing touch with its proud past, and is instead willing itself to become weaker and weaker. Even if Britain wished to strongly support us in the future, it will lack the men and the equipment to do so.
Oh – and as for our own military capabilities? Don't ask. It's a similar story (but one to be told another time.
Posted by Clear Thinker at 6:10 pm
What Are These People Looking At?
Military Matters, Politicians' Nonsense No Responses »
Obama, Biden, Clinton, etc, all pretend to be watching the bin Laden raid
You probably read one of a dozen different accounts of the Osama take-down, many of them including this picture, showing our illustrious President, together with Biden, Clinton, and various others all intently watching something out of the picture.
We were told this picture was taken as they were watching the realtime events unfolding at Osama's compound. Here's a video clip of John Brennan (White House Counter-Terrorism advisor) talking about the group, depicted allegedly 'monitoring the situation realtime' and with full visuals. And here's one of dozens of articles including the picture.
But it now turns out that for the early 24 minutes of the 40 minute raid there was no video feed at all, and that the picture was a subsequently staged picture for the press rather than a true picture of what happened.
Apart from the assassination in cold blood of bin Laden, it seems everything else that was volunteered and proudly proclaimed about this mission were lies. And let's understand this clearly – it is one thing, in the heat of battle, to confuse some of the facts. But is an entirely different thing for people to invent total lies (and to stage fake pictures) and pass them off as truth to us.
A 40 minute fire-fight? Ummm, no. Only one bad guy had a gun, and he was shot almost immediately. Our guys did kill another person or two or three, but the only bullets heading downrange were from our guys, not the other side.
The helicopter loss was first described as a mechanical failure, then being shot down by 'heavy enemy fire' (which was non-existent) and then finally described as having collided with a side of the building.
Osama was first described as initially shooting at the good guys through a window as they stormed the compound, then of course, shooting at them in his bedroom with an AK-47 and hiding behind one of his wives; whereas now it turns out he never touched a weapon, wasn't hiding behind a wife (who was first described as shot and killed and now the woman in question is described as having been injured) and was unarmed. But he was 'resisting' (by turning and running away).
As for Obama himself, he was described as shot twice, three times, and now possibly only once. But we don't know, because the pictures we were promised, we will not know get to see, for fear of upsetting our enemies.
Talking about our enemies, initial reports cited the raid as being done in conjunction with the Pakistanis, and even said there was doubt who it was who shot Osama – maybe our guys or maybe the Pakistanis. Now we learn that the only role the Pakistanis had in the raid is taking the remains of the destroyed helicopter and threatening to sell them to China or Russia or anyone else who would be interested in seeing the previously undisclosed new stealth technology that was on the helicopter.
The million dollar compound in which Osama was described as living luxurously in? As any of the pictures of it made immediately obvious, it was a squalid ramshackle building, apparently already decaying in places although barely five years old, and the one million dollar cost estimate has been downgraded to a quarter million or less.
And the 'incredibly gutsy' decision made by Obama (quoted here)? What exactly was gutsy about sending other people to take out Osama? If Obama had decided to lead the mission himself, then that would be gutsy (and foolish). But the only sacrifice he made was missing half of a golf game (apparently his 66th golf game since taking office – he is able to golf about once a week on average).
Please tell me what is gutsy about sending in a couple of dozen troops to take out Osama bin Laden. After the months of monitoring, we probably knew exactly the extent and nature of the people in Osama's compound (ie very few soldiers and very little resistance, resulting in zero casualties on our side) and was the issue of 'Do we/don't we take out Osama?' even a question that needed to be asked or answered?
Obama risked nothing personally, nor even anything politically. If the mission failed, it would have been kept secret, or else publicized so that he got points for trying. And if it succeeded, as we are told it did, then of course, Obama would seek to cover himself in glory, as he double definitely has indeed attempted to do.
In an attempt to play up the element of 'gutsy' involvement, Obama then turned around and awarded a Presidential Unit Citation to the SEAL team involved in the action. A PUC is the highest honor that can be awarded to a unit, sort of the collective equivalent of a Congressional Medal of Honor.
But, let's think about this. This group of SEALS were helicoptered in and out, fought against one armed man and another three or four unarmed men, in a friendly country, and took no casualties of their own, with a very mono-dimensional mission that had been as close to completely scoped out in advance as anything ever can be.
Yes, they were successful, and yes, it was a high value target. But in a world where SEAL teams are tasked with truly risky missions, involving extraordinary feats of strength and endurance, lasting days or weeks at a time, in massively unfriendly places – both in terms of weather and the local people, and against much larger forces, often taking casualties in the course of the action, does this 40 minute 'stroll in the park' really qualify for the highest award possible?
I'm sorry, Mr President, but giving out a Presidential Unit Citation doesn't make your own actions any more courageous or 'gutsy' and in doing so, you debase the actions these brave men and their fellow soldiers undergo most of the rest of their lives.
Don't get me wrong. I'm glad we found bin Laden some time last year, and pleased to see bin Laden now dead. I'm glad we killed him. But doing so has changed nothing for the better in our ongoing battle against Islamic extremists. They still hate us – possibly now more than ever. Al Qaeda is not going to unravel or give up, just because of the death of bin Laden. And all the dozens (possibly hundreds) of other Islamic terrorist groups are still there, too.
Now is not the time to celebrate another false feeling of a mission accomplished. Now is the time to double down and to press the battle harder, because for sure, that is what the other guys will be doing to us.
The Enemy of My Friend is My ????
Global Government, Military Matters, Politicians' Nonsense No Responses »
With friends like our President, who needs enemies
There's a huge amount to dislike about the actions we are taking in Libya at present. It is so extraordinarily inconsistent – why are we ignoring all the other nasty dictators around the world, and all the other popular uprisings, and instead deciding to take on Gaddafi in Libya?
You might say, cynically, that it is all about the oil, but I'm not even sure that oil is a large part of this equation – it is typically a liberal cheap shot to denigrate our foreign policy as being all about oil.
Libya represents only about 1% of the world's oil production; if oil was dictating our foreign policy, wouldn't we be doing much more assertive things in countries with larger oil production and unstable/unfriendly governments? For example, Venezuela, or, most notably of all, Iran (almost three times more oil produced than Libya), where the popular protests against their apparently unfair rigged elections were greeted with apathy and disinterest by the western powers.
And, of course, if oil is so important to us, wouldn't we be, ahem, drilling a bit more at home, too?
So, no, I don't think our Libyan actions are about oil, but having said that, it isn't clear what they are about.
Two more opening thoughts.
First, much has been made of Gaddafi waging war with his own people, and even killing them. But isn't that his own business? If he was invading a foreign country, then possibly international treaties much empower or compel us to come to the other country's aid, but who are we to pick and choose our favorites in a sovereign country's internal dispute?
For that matter, if we are to now wage war against foreign governments due to them killing their own citizens (even if their own citizens have taken up arms and are fighting an armed uprising against the government of the day) then why don't we also wage war against governments that passively kill their citizens, not with bullets, but with corruption?
What is the difference, in moral terms, between a government that kills a citizen quickly and cleanly with a bullet, and a government that allows a person to slowly starve to death, or to suffer the consequences of non-existent health care, both due to corruption and the misallocation of funds that should have been destined to help improve the lives of its citizens?
Second, much has been made of Gaddafi as being a crazed madman, and of having been a sponsor of terrorism against the west. But these things are all in the past.
Gaddafi changed his tune, and for the last five years and more, has been increasingly a friend of the west and supportive of our common causes. He renounced his nuclear plans. He was even helping us in our fight against al Qaeda.
So now we've decided to take out one of our allies. Hmmmm.
Let's also look at the 'rebels' in Libya. Who are they? What is so very special about them that we've betrayed an ally so as to befriend them?
Well, we actually know almost nothing at all about these rebels. But we do know a couple of things. The first is that many of them have formerly been fighting against us in Iraq and Afghanistan. And the second thing is that they are being actively supported by al Qaeda.
Read this last paragraph again carefully, and then struggle to understand it, if you can, because I sure can't.
Maybe Gaddafi is indeed a madman; but perhaps his madness was in renouncing his terrorist ways, in ceasing his acts against the west, and in giving up on his nuclear ambitions. Maybe his madness was in befriending the west.
It isn't just us. Look at the French. Not all that long ago, they refused to allow our planes to overfly France when President Reagan went to bomb Libya (back when Libya truly was an enemy). And now the short little Frenchman, Sarkozy, facing an increasingly tough battle to get re-elected as President, has become the ringleader in chief, calling for action against Libya.
Just across the English Channel, the English – the same English who cozied up to Gaddafi so much that they gave him back the formerly imprisoned-for-life Pan Am bomber, took on the role of second keenest nation to do battle against Libya.
People who had formerly been cheered for persuading the Libyans to make substantial donations and financial support, eg, for educational institutions as reputable as the London School of Economics have now resigned in disgrace for the sin of accepting donations from the Gaddafi family.
How can we describe our sanity when we turn our back on a reformed bad guy, someone who is now actively befriending us, and someone we had in turn been actively welcoming back into our fold as a friendly power. Instead, we are supporting and helping equip our mutual enemies – the people we are currently fighting against in Iraq and Afghanistan?
Don't get me wrong, Gaddafi is no saint. But that which threatens to follow him is likely to be much worse.
Please read this article which not only details the lunacy on our part, but also reports how al Qaeda are taking arms from Libya to use against us on other fronts.
Posted by Clear Thinker at 12:31 pm
Political Correctness Infects the Navy (Old News, but….)
Military Matters, Political Correctness No Responses »
F-14 Tomcat, 1970-2006, a glorious plane deservedly made famous in Top Gun
Okay, sadly there's nothing particularly new about how all our armed services have shame-facedly capitulated to the overwhelming force of political correctness.
After all, the two main reasons the Fort Hood muslim terrorist was so successful (13 killed, 29 wounded) were :
(a) Because soldiers aren't trusted with firearms. Yes, read that again slowly – we don't trust our soldiers with firearms, even on their own base.
(b) Because the terrorist was a muslim terrorist. If he were a 'white supremacist' the authorities would have locked him up tighter than a drum, ages before he got close to the base with his weapons, but because he was a muslim terrorist, well, it was necessary to embrace diversity.
Anyway, read this article published by a reporter who can always be relied upon to take a strategic bit of leaking and play it up in the press.
It seems that the foundation set up to commemorate the Navy's 100th anniversary of military aviation saw fit to celebrate the role of women fliers – such incredibly important events in naval aviation history as 'the first female operations officer' were featured much more prominently than things which they largely ignored (a little event in South East Asia, for example, or a slightly larger event all around the world which started at Pearl Harbor).
The ridiculousness of this is well stated by former Marine aviator Roy Stafford, who is quoted in the article as saying
The true facts are that women's contribution to naval aviation has been minimal to nonexistent for 80 of the first 100 years. The simple truth is they were not there, not World War I, not World War II, not Korea nor Vietnam. Men who pushed the limits of mankind to levels never before reached, to relegate them to footnote status while elevating the social agenda is a disservice to all who went before them.
Well said, Roy. Semper Fi.
Posted by Straight Shooter at 9:52 pm
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About Freethought Today
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Vol. 39 No. 05 June/July 2022
FFRF earns two court victories in West Virginia
The Freedom From Religion Foundation got a double dose of good news during the week of May 16 when it won two different court cases in West Virginia.
On May 16, U.S. District Judge David Faber dismissed a lawsuit after Mercer County Schools agreed to a settlement with FFRF over the teaching of "Bible in the Schools" classes to elementary school students. (See sidebar story on this page for more on this case.)
Then, a day later, on May 17, FFRF and two of its members won a federal court challenge against a West Virginia city that, according to the ruling, "wrapped itself in a single faith" by opening with the Lord's Prayer.
U.S. District Judge John T. Copenhaver Jr. issued a 30-page decision in FFRF's favor. He permanently enjoins the city of Parkersburg from continuing its practice of reciting the Lord's Prayer at each city council meeting. The decision declares the practice unconstitutional, awards each plaintiff nominal damages, and allows the plaintiffs to seek attorneys fees.
"The City Council's prayer practice most clearly runs afoul of the Fourth Circuit's concern with identifying the government with a single preferred religious sect," writes Copenhaver.
The 4th Circuit U.S. Court of Appeals, which has jurisdiction over West Virginia, had previously struck down Christian prayers recited by county commissioners. The opinion by Copenhaver concludes under that analysis: "[T]he City Council wrapped itself in a single faith."
As the ruling explains: "That is exemplified by the unduly heightened risk of coercion by the state by virtue of the governmental identity of the prayer-givers acting in unison, the invariable nature of the sectarian prayer that is associated with and endorses Christianity, and the implicit and sometimes express invitation to the public in attendance to join in, all in the relative intimacy of a local government setting. It is the combination of these factors — the totality of the circumstances — that renders the prayer practice of the City Council impermissible."
In 2018, FFRF and two of its local members had sued the city of Parkersburg, W.Va., in the U.S. District Court for the Southern District of West Virginia, to challenge the city council's formal recitation of the Christian "Lord's Prayer," which had officially opened every meeting for more than a decade. Council members led the prayer and were joined by city residents at each meeting in reciting it.
In April 2020, FFRF filed a motion for summary judgment asking the court to rule the practice unconstitutional, noting the practice defies well-established law barring legislators from reciting prayers from exclusively one faith in local government meetings. "Through its commitment to this practice and tradition, Parkersburg has essentially adopted the Lord's Prayer as the official prayer of the city," FFRF charged.
The plaintiffs include Daryl Cobranchi, who in the past had frequently attended meetings and been directed to stand for the Lord's Prayer, a practice, he notes, that has made him conspicuous by his nonparticipation and which "assigns to second-class status anyone who is not Christian." Likewise, Eric Engle, a Parkersburg resident, follows city matters and has felt uncomfortable and pressured to participate in the Christian prayer during public meetings.
Engle comments: "In a country currently plagued by Christian nationalism, this decision is an affirmation of our secular constitutional order and a badly needed patch in the wall of separation between church and state!"
At least one prior member of the City Council has been openly hostile to nonparticipants. Councilman Eric Barber glared at attendees who sat during the prayer at a meeting. At the end of that prayer, Barber positioned himself near his microphone, pressed the button, and shouted, "Amen." FFRF later called for an investigation into Barber's participation in the Jan. 6 insurrection at the U.S. Capitol.
Legal representation was provided by outside counsel Marcus B. Schneider, local counsel Kristina Thomas Whiteaker, and by FFRF Attorneys Patrick C. Elliott and Christopher Line.
School settles with FFRF over classes
Patrick Elliott: Students' religious liberty is at risk in case
FFRF launches 'secular values voters' ad blitz
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Take action now! — 5 acts of resistance to help fight for Roe
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FFRF's Freethinkers of the Year awards
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Single parenting is a situation in which one of the two individuals either mother or father is solely responsible for the upbringing of their children. Thus the study was undertaken with an objective to know the problems, general stress and psychological well-being of the single parents. The data was collected from two villages of Dharwad taluk during the year 2017-18. The samples comprised of 15 single mothers from each village who were randomly selected. Total the sample comprised of 30 single mothers. The criterion for selecting the single mothers was they should have at least one child/ children age ranged from 6-18 years. The data was collected by using general information schedule regarding personal information and problem faced by the single mothers, SES status was collected using socio-economic status scale developed by Agaarwal et. al., (2005),General Stress Inventory by Ivancevich and Matteson (1980) and Ryff Scales of Psychological Well-Being developed by Tricia (2005). The results indicated that majority of the single mothers expressed about the death of the spouse (53.33 %) was the main reason for single mothers followed by divorce (26.66%) and separation (20 %). Single mothers expressed that parents (66.66%) and children (33.33 %) were the support system. About 50 per cent reported that they had added responsibility after being single and 86.66 per cent had financial problem. The single mothers reported average general stress (90%) and psychological well-being (86.70%) and there was significant association and relationship of SES with general stress and psychological well being.


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Сопвит Снапер () је британски ловачки авион који је производила фирма Сопвит (). Први лет авиона је извршен 1919. године.

Направљена су само три примерка.

Распон крила авиона је био 8,53 метара, а дужина трупа 6,27 метара.

Наоружање

Референце

Литература
 Детаљнији подаци о авиону

Ловачки авиони
Војни авиони 1910—1919.
Сопвит авиони
Британски ловачки авиони 1910—1919.

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Background: Long a province of China, Mongolia won its independence in 1921 with Soviet backing. A communist regime was installed in 1924. During the early 1990s, the ex-communist Mongolian People's Revolutionary Party (MPRP) gradually yielded its monopoly on power. In 1996, the Democratic Union Coalition (DUC) defeated the MPRP in a national election and has attempted to establish a number of reforms to modernize the economy. However, many former communists retain key posts and implementation has been difficult.
Economy - overview: Economic activity traditionally has been based on agriculture and breeding of livestock. Mongolia also has extensive mineral deposits: copper, coal, molybdenum, tin, tungsten, and gold account for a large part of industrial production. Soviet assistance, at its height one-third of GDP, disappeared almost overnight in 1990-91, at the time of the dismantlement of the USSR. Mongolia was driven into deep recession, which was prolonged by the Mongolian People's Revolutionary Party's (MPRP) reluctance to undertake serious economic reform. The Democratic Union Coalition (DUC) government has embraced free-market economics, easing price controls, liberalizing domestic and international trade, and attempting to restructure the banking system and the energy sector. Major domestic privatization programs have been undertaken, as well as fostering of foreign investment through international tender of the oil distribution company, a leading cashmere company, and banks. Reform has been held back by the ex-communist MPRP opposition and by the political instability brought about through four successive governments under the DUC. Economic growth picked up in 1997-99 after stalling in 1996 due to a series of natural disasters and declines in world prices of copper and cashmere. Public revenues and exports collapsed in 1998 and 1999 due to the repercussions of the Asian financial crisis. In August and September 1999, the economy suffered from a temporary Russian ban on exports of oil and oil products. Mongolia joined the World Trade Organization (WTrO) in 1997. The international donor community pledged over $300 million per year at the last Consultative Group Meeting, held in Ulaanbaatar in June 1999.


Teresa Rindlisba은(는) 온라인 영어 튜터입니다.
강사 경력: I have been teaching children (ages 3-12) in a religious setting for the past 12 years.
관심 분야: I love to entertain and being surrounded by people I love. I enjoy reading, personal development, gardening, and travel.


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Sharmila Tagore
Sharmila Tagore, the mother of famous actors, Saif Ali Khan and Soha Ali Khan, is a veteran actress of Indian cinema. She has contributed to the film industry as an actor as well as a leader in Indian Film Censor Board. The beautiful actress is a recipient of many accolades and was also awarded Padma Shri by Govt of India for her notable work in the Hindi cinema.
Born on: 8 December, 1944
Movies Found on BOTY: 22
Sharmila Tagore Movies List
₹ cr
Samaantar
₹10 cr
Viruddh – Family Comes First
Maa Beti
₹1.3 cr
Besharam
₹1 cr
Chupke Chupke
Aa Gale Lag Jaa
Amar Prem
Yakeen
Mere Humdum Mere Dost
An Evening In Paris
More About Sharmila Tagore
Sharmila Tagore has mainly worked as an actress in the Hindi and Bengali films. She made her debut with the Bengali film, Apur Sansar in 1959. She was one of the glamorous actresses of her time and has paired with many famous actors namely, Rajesh Khanna, Amitabh Bachchan, Sanjeev Kumar, and Dharmendra. Sharmila Tagore movies received positive reviews from the audience and collected a humongous amount at the box office.
Mrs. Tagore received most of his success while working with the actor, Rajesh Khanna. Some of her box-office hits with the actor were Aradhana, Safar, Amar Prem, Chhoti Bahu, Daag, Raja Rani and Avishkaar.
Apart from working in films in her younger days, Sharmila Tagore also appeared in many films of today's time. She has delivered exceptional performances in her recent movies namely, Break Ke Baad, Samaantar, Morning Walk, and many more.
BOTY has prepared a list of Sharmila Tagore all movies. In this collection, all the hits and flops of the actress are given. Check the box office performance of all her movies from the list and let us know if we missed any movie of the actress.
Sharmila Tagore - Personal Stats
Ayesha Begum Sultana
Avg Weight
55-60 Kgs
Marrital Status
Saif Ali Khan, Saba Ali Khan, Soha Ali Khan
Total Movies
22 Movies (in BOTY Database)
Debut Film
Apur Sansar
Debut Year
Highest Grosser:
Mann - ₹17 Crores


I have been concentrating on editing this week, getting ready to submit Finding Valhalla for the WisCon Writer's Workshop. I've got it about half-way done, but I'll really need to hit it hard if I'm going to have 10,000 words edited by Friday. I haven't done anything with Dragons At Dawn yet, but that will be next on the list starting Saturday.
I have been reading Revision & Self-Editing by James Scott Bell this week. A very good book, but so far it isn't telling me a lot about editing, just about how the book should be written in the first place. I don't know if I'll be able to finish it this week, but at least I am reading it. I also picked up another dozen writing books, including Save the Cat, Make a Scene, Stein on Writing, and Writing the Breakout Novel. I will probably post an updated list of my writing library next week.
And now, back to my edits! Come back on Sunday and I'll give you a report on OddCon. It should be fun!
It has taken me a long time to finally get started on my writing. I always wanted to write, but never thought I had a good enough story to tell. That didn't stop me from learning more about writing though. Over the course of many years I have assembled a library of books that I thought would help me to be a better writer when the time came. And since I recently ordered more to fill in some gaps in my tools I thought now would be a good time to share a list of what I have on my shelf with my faithful readers.
A lot of these books are no longer in print. The Writer's Handbook is so old (1988) it doesn't even have an ISBN. But then, I would encourage you to look for newer editions anyway. If you are interested in these books, my advice is to check your local library or search the Internet. Amazon.com can probably help you find most of them through their used book stores associates.
What books do you have on your bookshelf that have helped you become a better writer? Please leave a comment with the title and author (and a link if you can). As I mentioned, I recently figured out I had some gaps in my writing education and I would love it if someone could help me fill them. Thanks!


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text:
ACT Government Invests in Emergency Services Following ORH Review
The ACT Government in Australia has announced plans to deliver additional emergency service vehicles and stations based on the advice of ORH's review of the Station Upgrade and Relocation Plan (SURP). ORH used projected changes to both population and road journey times to create 2028 demand scenarios for both the ambulance and fire services in Canberra. Our simulation and optimisation models were used to predict changes to operations and identify the number of vehicles and locations required by each service to maintain and improve emergency response standards in the future.
As a result, the ACT Government will now begin work on two new combined ambulance and fire stations, to be located in the City and Molonglo Valley. They will also recruit more firefighters and invest in a new aerial platform vehicle to improve their response capabilities to the growth in higher density and multi-storey buildings. Further details from the ACT Government can be found here.
More ORH News


IT departments are paying close attention to developments in cloud computing technology. The cloud offers the promise of large potential savings in infrastructure costs and improved business agility, but all of that doesn't come without its concerns. Number one on that list is security, which frankly, has become a major barrier to implementing cloud initiatives for many organizations.
Download Vendor Roundtable: Cloud Security, a guide designed to help you better evaluate different cloud technology vendors and service providers based on a series of questions posed by three cloud infrastructure providers.
Don't miss Vendor Roundtable: Cloud Security, you've got cloud security questions, why not hear answers from current vendors to help you evaluate security products and services for the cloud!?


If you program in PHP you are almost certain to use MySQL database on the back end of your PHP Application. PHP MySQL is one of the most popular combinations used in web applications and as such must be supported by any serious PHP IDE. PhpED takes the support for PHP MySQL and PHP Database in general to the whole new level with DB-Form Wizard features. In this tutorial you will learn how you can generate PHP code for Forms to insert or update records in MySQL database with PhpED's DB-Form Wizard. You can also browse and manipulate MySQL databases using PhpED's DB Connection client, described in another tutorial. Look at this screenshot of NuSphere DB-Form Wizard.
PHP MySQL connection code can be generated PhpED's DB-Form Wizard. You will need to setup MySQL Database Account in PhpED's DB Connection client first and then use that account in DB-Form Wizard.
PhpED's DB-Form Wizard is an easy to use but very powerful and configurable tool, which makes building PHP MySQL applications as simple as three mouse button clicks.
To launch DB-Form Wizard in the PhpED main window, press Shift+Ctrl+Alt+D, or choose Tools > DB-Form Wizard on the PhpED menu.
Click NEXT at the introductory page of the wizard.
On the Select Host Properties page, enter the information to connect to your database. You are prompted to select a database connection account that is already defined from the drop-down list. If you don't have current MySQL database account, click ACCOUNTS next to DB Account field to define it in DB Connection Client. The following illustration shows selection of existing MySQL account.
Enter the login and password to access the selected database account. You can check off Save Password box to save the password, but this is not recommended for security reasons. When you are finished, click NEXT.
The next Style page prompts you to select the style of your form available in the dbwizard.ini file (located in the plugins directory). You can select one of the existing styles. If you like, you can define additional styles and templates following the guidelines described in the PhpED Manual.
Control Type - HTML Control to be used for this field, e.g. Text, Text Area, Check Box etc.
Validation - type of the validation to be applied to the control. Installed Default Standard Style of DB-Form Wizard provides the choice of validating the input as EMail, Alpha, AlphaNum, Numeric, Float, Date or Time. You can add your own validation methods to your PHP MySQL form.
Key - if checked will identify the field as the unique ID of the record. In this case the field will be used in the update/delete interfaces of the generated PHP MySQL script.
Use Form Properties to tell the wizard to either create new config.inc.php file with MySQL configuration parameters, append new configuration to the existing config.inc.php or add the configuration directly to the script with out generating a separate config file. Select one of the options and click NEXT.
As with any other PHP code, you can use PHP Debugger and PHP Profiler available in PhpED to debug and tune up PHP code working with MySQL. Illustration below shows PHP code inserting records to MySQL items table in PhpED's debugger.
In this tutorial you learned about the many features of the PHP DB-Form Wizard and how to use them to quickly generate PHP code working with MySQL database. Additional technical information is available from the NuSphere Forum. Download a free trial of our PHP DB-Form Wizard today!


text:
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ffconf: insights 🔬

First published: 5 Oct 2018

            Get tickets

            Subscribe

            More at ffconf.org

As
        of today, we have a complete line up of speakers and sessions for ffconf v10. The talks are:

The Future of JavaScript & Machine Learning

Mentoring: Being the help you wish you'd had

Practical Web Animation

Is it possible to build a truly diverse community?

Back to the future of JS: the next features and amazing proposals

WebXR: A New Dimension For The Web

Dear Developer, the Web Isn't About You

Weird Web & Curious Creation

You
          can get your Friday (sold out) Thursday
            ticket today

Remember:
          it's the same line up, the same content, the same amazing day.

Curation all the way

Unlike
        a lot of other events, ffconf is carefully curated by me, Remy. CFP has
        typically only accounted for just one of the eight talks in previous years. As soon as the previous ffconf
        event is over, I start thinking about the types of talks I want to hear.

The
        process (since 2011) has been to list the topics I want to host at ffconf, then match that
        content up to a potential speaker.

My
        invitations to speakers are always asking if they would speak to a particular topic or specific question.

As
        a conference speaker myself, I find it a little frustrating to receive an invitation that simply says "can you
        speak at our event". Sure, I'd be happy to speak, but why are you inviting me?

Again,
        as a speaker myself, I felt like a significant number of events would use the same speaker year after year.
        With that in mind, I made one of ffconf's golden rules: no speaker speaks again.

It's
        a blessing and a curse for curation! It's made curation harder and harder as the years have piled on! The huge
        positive upshot is that ffconf has hosted 78 unique individuals since 2009 🎉

Why
        don't we reveal speakers? Initially this was an accident back in 2014 they were going to be revealed - but I
        just forgot!

The
        following year, I realised that hiding (or blurring) the speakers only reinforced the idea that ffconf is
        content first. We do start to slowly reveal the speakers much closer to the time.

Painstakingly
        careful curation is absolutely one of the keys to the success of our event. If you're thinking of running an
        event yourself, I'd highly recommend it. And if you want to see how it works out, see it first hand at ffconf in November.

And now for a word from our sponsors ❤

We
        wouldn't be able to run ffconf with the support of some truly amazing companies. Many of them have positions
        available at their companies and it would mean a lot to myself and Julie if you took a moment to check out what
        they're doing and what they have to offer.

They
        are:

Beamly

TheFinancial Times - junior and senior developers
            wanted

American
            Express

Google - their
            amazing developer learning centre

Mozilla

Signing off for now

Our newsletter has been quiet during the summer holidays,
        but we'll be back with more insights, including how we run our diversity scholarship programme, how the ffconf
        web site runs and some of the fun we had with accidental DDoS on our ticket provider and more.

And
        if you ever have any questions about ffconf or how we run the event, don't hesitate to hit reply and myself or
        Julie will be more than happy to answer.

Until
        next time,

–
        Remy (& Julie) 👋

From
        2016, Ada Rose Cannon superb
          and timely progressive web apps talk 💻💪❤

        Unsubscribe | 44
        Burstead Close, Brighton, East Sussex BN1 7HT

redpajama_set_name: RedPajamaGithub


In this lesson we tune to open D minor and explore a haunting voicing which uses the first 4 scale tones of the A phrygian dominant scale.
Open tunings are a great way to break out of a rut, and out of one's comfort zone. Shapes that sound ordinary in standard tuning suddenly come to life and you'll likely find yourself inspired and having fun fumbling around, learning how notes fit together.
DADFAD is an open minor tuning and is perfect for those who want to create dark and haunting sounds. Make sure to add some Reverb, Delay and Chorus to bring the atmosphere out even more.


text:
Fußballclub Arminia 03 e.V. é uma agremiação alemã, fundada a 1 de setembro de 1903, sediada em Ludwigshafen am Rhein, na Renânia-Palatinado.

História
O clube foi criado como 1. FC Arminia Rheingönheim e gozou de algum sucesso na competição de nível local, antes da eclosão da Primeira Guerra Mundial. Sob o nazismo foi forçado a se unir ao TSG Rheingönheim como parte de um processo de consolidação política que eliminou clubes formados por trabalhadores, os quais não eram bem-vistos pelos detentores do poder. O 1. FC, bem como os clubes de base religiosa, eram considerados inaceitáveis para o regime.

O clube foi restabelecido como VfL Rheingönheim após a Segunda Guerra Mundial antes de retomar a antiga denominação de FC Arminia Rheingönheim a 22 de outubro de 1949. Em 1969, a associação adotou o nome da cidade de Ludwigshafen.

O FC primeiro avançou à Amateurliga Südwest (III), em 1966, na qual competiu por nove temporadas, tendo o seu melhor resultado, um quarto lugar em 1969-1970. Em 1988, após vários anos na Bezirksliga Vorderpfalz, o Arminia desceu para a Kreisliga e alternou nesses dois níveis por várias temporadas. Uma seqüência de três promoções consecutivas o fez retornar à Verbandsliga Südwest (VI), em 2005. Em 2011, a equipe chegou à Oberliga Südwest (V), pela primeira vez.

Títulos
 Campeão da Verbandsliga Südwest: 2010-2011;

Cronologia recente

Ligações externas
 Site oficial
 Fussballdaten
 Arquivo Histórico do Futebol Alemão

Clubes de futebol da Alemanha
Clubes de futebol fundados em 1903


text:
Centrolene scirtetes és una espècie de granota que viu a Colòmbia i Equador.

Està amenaçada d'extinció per la pèrdua del seu hàbitat natural.

Referències
 Bolívar, W., Coloma, L.A., Ron, S. & Cisneros-Heredia, D. 2004. Centrolene scirtetes. Llista Vermella d'Espècies Amenaçades de la UICN 2006. Consulta: 25 d'abril del 2008.

Scirtetes


Chapter 02 - Testbank Student: ___________________________________________________________________________ 1. Which of the following statements is true? A. Non-bank depository institutions include building societies and credit unions. B. A non-bank depository institution meets the legal definition of a bank. C. A non-bank depository institution does not meet the legal definition of a bank. D. A non-bank depository institution may be a building society or a credit union and a non-bank depository institution undertakes many of the same activities of a bank without meeting the legal definition of a bank.
2. Which of the following statements is true? A. Authorised depository institutions are those that have been granted an authority by the RBA to operate in Australia. B. Authorised depository institutions are those that have been granted an authority by APRA to operate in Australia. C. Authorised depository institutions are those that have been granted an authority by the Australian Government to operate in Australia. D. Authorised depository institutions are those that have been granted an authority by ASIC to operate in Australia.
3. Which of the following statements is true? A. Building societies are depository institutions. B. Building societies usually operate on a cooperative basis. C. In case of building societies the depositors are also members of the society. D. All of the listed options are correct.
4. Which of the following statements is true? A. Credit unions are mutual cooperative organisations. B. Credit unions provide deposit facilities, personal and housing loans and payments services to their members. C. In case of credit unions the depositors are also members of the society. D. Credit unions are mutual cooperative organisations that provide deposit facilities, personal and housing loans and payments services to their members.
5. Which of the following statements is true? A. An off-balance-sheet item is recorded on the balance sheet of a financial institution when the annual report is being prepared. B. An off-balance-sheet liability is an item that moves onto the liability side of the balance sheet when a contingent event occurs. C. An off-balance-sheet asset is an item that moves onto the asset side of the balance sheet when a contingent event occurs or at the end of a financial period. D. All of the listed options are correct.
6. Which of the following is a reason for the increase in the number of banks since the mid-1980s? A. Relaxation of entry requirements into the Australian banking industry. B. Changes in the regulatory requirements of non-bank depository institutions. C. The need for a more sophisticated banking system in Australia. D. Relaxation of entry requirements into the Australian banking industry and changes in the regulatory requirements of non-bank depository institutions.
7. Which of the following statements is true for the Australian banking industry? A. The Australian banking industry is highly concentrated. B. There are four major banks in Australia. C. The four major banks and the five regional banks offer a full range of commercial and investment banking services. D. All of the listed options are correct.
8. Which of the following is true of off-balance-sheet activities? A. They involve generation of fees without exposure to any risk. B. They include contingent activities recorded in the current balance sheet. C. They invite regulatory costs and additional 'taxes.' D. They have both risk-reducing as well as risk-increasing attributes.
9. Following the global financial crisis, banks strengthened their funding and liquidity profiles by: A. reducing their holdings of liquid assets. B. increasing their holdings of liquid assets. C. reducing their use of wholesale funds and increasing their holdings of liquid assets. D. increasing their use of wholesale funds and decreasing their holdings of liquid assets.
10. The collapse of Lehman Brothers in 2008 and the impact of the global financial crisis made it difficult for Australian banks to obtain off-shore funding. As a consequence banks pursued more stable sources of: funds. These strategies include: A. increased use of wholesale long-term funding. B. decreased use of wholesale long-term funding. C. decreased holdings of liquid assets. D. decreased use of wholesale long-term funding and increased holdings of liquid assets.
11. Which of the following statements is true? A. The net interest margin is a profitability indicator and is measured as net income divided by earning assets. B. The net interest margin is a profitability indicator and is measured by interest income minus interest expense, divided by earning assets. C. The net interest margin is a profitability indicator and is measured by interest income plus interest expense, divided by earning assets. D. The net interest margin is a profitability indicator and is measured as interest income minus non-interest income divided by total assets.
12. The market structure of the banking sector has changed since deregulation of the financial system during the 1980s. Which statement more closely reflects the current structure of the banking sector in Australia? A. Foreign banks dominate in number and share of total assets. B. The major banks no longer hold the largest share of total assets. C. Total assets are fairly evenly distributed between the major, regional and foreign banks. D. The number of banks has grown steadily since the 1980s and the major banks maintain the highest percentage share of total assets.
13. Which of the following is a role of a bank? A. Attract funds from the capital markets to facilitate borrowing by the household sector. B. Accept deposits and make loans and in doing so facilitate the flow of funds from borrowers to lenders. C. Accept deposits and make loans and in doing so facilitate the flow of funds from savers to borrowers. D. Manage the level of interest rates.
14. Which of the following is true? A. All banks are depository institutions and are authorised by APRA to carry out financial intermediation B. All authorised depository institutions are banks. C. All financial intermediaries are authorised depository institutions by APRA to carry out financial intermediation. D. All of the listed options are correct.
15. The number of banks has grown steadily since the middle of the 1980s for the following reasons: A. liberalisation of conditions for foreign bank entry by APRA. B. deregulation of the banking industry, including the relaxation of bank entry requirements. C. changes to the regulatory regime for non-bank depository institutions favoured conversion from building society to banks. D. All of the listed options are correct.
16. The main features of the local banking industry over the two decades to 2010 have been an increase in concentration. This has occurred due to mergers and acquisitions motivated by the desire to: A. be competitive in global markets. B. protect against takeover by foreign competitors. C. increase efficiency in terms of economies of scale and scope. D. All of the listed options are correct.
17. Which of the following statements is true? A. Australian banks' decreased reliance on off-shore funding post GFC led to funding pressures and increased the costs of obtaining funds. B. Australian banks' increased reliance on off-shore funding post GFC led to funding pressures and increased the costs of funding. C. Australian banks reduced their reliance on on-shore funding in an effort to reduce the costs of funding and ease pressure on mortgage interest rates. D. Australian banks increased their reliance on on-shore funding post GFC which led to funding pressures and increased the costs of obtaining funds.
18. In response to the GFC and the global liquidity crisis the Australian government introduced the following measure in 2008: A. A Financial Claims Scheme that provided coverage to all depositors in any financial institution. B. A Financial Claims Scheme that guaranteed bank deposits coverage to depositors up to a million dollars per depositor. C. A Financial Claims Scheme that guaranteed bank deposits coverage to depositors up to a million dollars per depositor and provided a temporary wholesale funding guarantee. D. All of the listed options are correct.
19. The term 'spread' refers to the difference between an FI's: A. assets and liabilities. B. liabilities and equity. C. short-term lending rates and long-term lending rates. D. lending and deposit rates.
20. Which of the following statements is true? A. Capital adequacy regulations of banks were introduced in 1989. B. Capital adequacy regulations require banks to hold, on average, less capital for low-risk assets such as housing loans compared to higher-risk assets such as commercial loans. C. Capital adequacy regulations were abolished in 2000. D. Capital adequacy regulations of banks were introduced in 1989 and Capital adequacy regulations require banks to maintain levels of capital adequate for the type of activity undertaken, on average, less capital for low-risk assets such as housing loans compared to higher-risk assets such as commercial loans.
21. The major reasons for the shift in the composition of bank lending commitments from the retail market to the commercial market are the: A. introduction of capital adequacy regulations in 1989. B. number of non-bank depository institutions that gained banking licences in the early 1990s. C. fact that commercial loans paid higher returns than housing loans. D. None of the listed options are correct as the shift was from commercial loans to housing loans.
22. Depository institutions are required by APRA to be responsible for: A. their own liquidity management strategy that must include scenario analysis. B. their own capital management strategy that must include risk analysis. C. both their own liquidity, capital management strategies and a business continuity plan. D. None of the listed options are correct. APRA is responsible for the supervision and oversight of all depository institutions.
23. Which of the following statements is true? A. Off-balance-sheet transactions for Australian banks include direct credit substitutes, interest rate derivative contracts and foreign exchange derivative contracts. B. On-balance-sheet transactions for Australian banks include direct futures and forward contracts. C. Off-balance-sheet transactions for Australian banks include the commercial loans and term-deposits. D. All of the listed options are correct.
24. Which of the following statements is true? A. On average building societies are larger than credit unions and their total share of the depository institution market has increased since 1992. B. On average building societies are smaller than credit unions and their total share of the depository institution market has decreased significantly since 1992. C. On average building societies are larger than credit unions and their total share of the depository institution market has decreased significantly since 1992. D. On average building societies are smaller than credit unions and their total share of the depository institution market has increased since 1992.
25. Which of the following statements is true? A. The majority of players in terms of asset value as a percentage of GDP in the Australian financial system are credit unions. B. The majority of players in terms of asset value as a percentage of GDP in the Australian financial system are building societies. C. The majority of players in terms of asset value as a percentage of GDP in the Australian financial system are banks. D. The majority of players in terms of asset value as a percentage of GDP in the Australian financial system are superannuation funds.
26. Which of the following statements is true? A. During the 1960s and 1970s, the growth of building societies ensured an increasing supply of funds for housing loans at reasonable rates. B. During the 1960s and 1970s, the credit union expansion ensured the availability of relatively low cost unsecured and secured personal loans. C. During the 1960s and 1970s, regulatory constraints meant that banks could not in general satisfy the demand for consumer credit. D. All of the listed options are correct.
27. Which of the following statements is true? A. Deregulation of the banking system in the 1980s brought greater competition from the banks. B. Deregulation of the banking system in the 1980s resulted in loss of market share by non-bank depository institutions. C. Deregulation of the banking system in the 1980s brought greater competition from the non-bank depository institutions. D. Deregulation of the banking system in the 1980s brought greater competition from the banks and resulted in loss of market share by non-bank depository institutions.
28. In which way did building societies respond to the competitive pressures resulting from the deregulation of the banking system in the 1980s? A. They engaged in mergers for efficiency and scale reasons. B. They adopted improved technology. C. They diversified their products and activities. D. All of the listed options are correct.
29. Which of the following statements is true? A. Key performance ratios for credit unions and building societies indicate that from 2005 to 2011 their cost structures were higher than for banks. B. Key performance ratios for credit unions and building societies indicate that from 2005 to 2011 their cost structures were lower than for banks. C. Deposits are a higher proportion of the funding base for banks than for credit unions and building societies. D. Despite credit unions and building societies having higher cost structures over the period 2005-2011 than banks, they have much lower bad debt expenses than banks and hence have navigated the GFC well in terms of their overall performance.
31. Which of the following statements is true? A. Australia's current financial regulatory system has its origins in the late 1990s' Financial System Inquiry, commonly known as the Campbell Committee. B. Australia's current financial regulatory system has its origins in the late 1990s' Financial System Inquiry, commonly known as the Wallis Committee. C. Australia's current financial regulatory system has its origins in the late 1990s' Financial System Inquiry, commonly known as the Martin Committee. D. Australia's current financial regulatory system has its origins in the late 1990s' Financial System Inquiry, commonly known as the Valentine Committee.
32. The current financial system in Australia consists of three major agencies, these being: A. APRA, ASIC and the Australian Government. B. APRA, the RBA and the Australian Government. C. APRA, ASIC and the RBA. D. The RBA, ASIC and the Australian Government.
33. Which of the following statements is true? A. APRA stands for Australian Prudential Regulation Authority. B. APRA stands for Australian Payments Regulation Association. C. APRA stands for Australian Payments Review Authority. D. None of the listed options are correct.
34. Which of the following statements is true? A. APRA is responsible for market integrity and consumer protection across the financial system. B. The RBA is responsible for prudential supervision. C. ASIC is responsible for monetary policy and for overall financial system stability. D. None of the listed options are correct.
35. APRA's aim is to develop prudential policies that: A. promote financial safety and efficiency and that enable smaller institutions to put competitive pressures on larger institutions. B. balance financial safety and efficiency, competition contestability and competitive neutrality. C. promote financial system stability and fair interest rates. D. protect consumers from predatory behaviour of financial institutions.
36. The Probability and Impact Rating System (PAIRS): A. determines the response ASIC should make to the outcomes of PAIRS ratings. B. determines the response the RBA should make to the outcomes of bank failures. C. determines the response the RBA should make to the outcomes of financial crisis. D. None of the listed options are correct.
37. Some prudential standards issued by APRA include regulations regarding: A. capital adequacy for market risk and liquidity. B. credit quality and capital adequacy for credit risk. C. large exposures, business continuity management and securitisation. D. All of the listed options are correct.
38. APRA's supervisory oversight and response system (SOARS) is designed to assess the: A. likelihood of FI failure. B. impact of the FI failure. C. impact of FI failure and provide the appropriate supervisory response, which in the case of a low PAIRS probability rating will require restructure. D. impact of FI failure and provide the appropriate supervisory response, which in the case of an extreme PAIRS probability rating will require restructure.
39. Off-balance-sheet activities are: A. not shown on the current balance sheet. B. not shown on the balance sheet but after the completion of the financial year are recorded on the balance sheet. C. not shown on the current balance sheet but are an off-balance-sheet asset/liability, if when a contingent event occurs, the activity moves onto the asset/liability side of the balance sheet. D. contingent events which move the asset or liability from the balance sheet to off-balance-sheet.
40. Which of the following is true? A. PAIRS provides APRA with a score-card approach to assessing the risk of FI failure and the impact of any failure. B. PAIRS provides APRA with a single rating which incorporates both the probability that the FI will fail and the impact of any failure. C. PAIRS provides APRA with a rating that assesses the risk of FI failure. D. PAIRS provides APRA with an impact factor that determines what regulatory response needs to be implemented to prevent FI failure.
41. Customer loans are classified on a DI's balance sheet as: A. liabilities, because the customer may default on the loan. B. assets, because the DI earns servicing fees on the loan. C. liabilities, because the DI must transfer funds to the borrower at the initiation of the loan. D. assets, because DIs originate and monitor loan portfolios.
42. Which of the following is true of off-balance-sheet activities? A. They involve generation of fees without exposure to any risk. B. They include contingent activities recorded in the current balance sheet. C. They invite regulatory costs and additional 'taxes'. D. They have both risk-reducing as well as risk-increasing attributes.
44. Which of the following observations concerning credit unions is not true? A. They invest heavily in corporate securities. B. Member loans constitute a majority of their total assets. C. They engage in off-balance-sheet activities. D. They focus more on providing services and less on profitability.
45. Which of the following is part of the supervisory activities of APRA? A. Prudential review is the most important as it provides a detailed assessment of a FIs inherent risks and the adequacy of its risk management controls. B. Licensing is the last stage of APRA's supervision which ensures that only FIs that have the capacity to successfully operate can operate the market. C. Enforcement supervision is not part of APRA supervisory activity as it would involve enforcement teams to specifically intervene in the running of the FI. D. Entity financial analysis is the FIs own assessment of its financial position.
46. Which of the following statements is not correct concerning credit risk? A. Credit risk is the risk of counterparty default and is usually the single largest risk facing a FI. B. Credit risk occurs when borrowers are unable to repay their loans on time. C. Credit risk decreases when FIs concentrate their loan exposures on a few counterparties and APRA requires that FIs have appropriate polices to manage such risk. D. Credit risk increases when FIs concentrate their loan exposures on a few counterparties.
47. Business continuity relates to: A. an FI that has a business plan that meets the liquidity and capital requirements of APRA. B. a whole-of-business approach to FI operations and profitability. C. a business continuity plan which reduces the impact of any disruption on FI operations, reputation, profitability, depositors and other stakeholders of a FI. D. a business continuity plan which increases profitability of a FI.
48. Credit unions were generally less affected than other depository institutions by the recent financial crisis because: A. they hold more government securities, on average. B. they hold less government securities, on average. C. they had a focus on high quality domestic assets. D. they had a focus on domestic deposits and more assets in residential mortgages.
49. Responding to the financial crisis, the Australian government introduced a number of measures to ease liquidity issues and included the following: A. a permanent financial claims scheme (FCS) in October 2008, which explicitly guaranteed bank deposits with a $1 million cap. B. a semi-permanent financial claims scheme (FCS), which implicitly guaranteed bank deposits. C. a permanent guarantee scheme for large deposits and wholesale funding, which for a fee, guaranteed bank deposits greater than $1 million. D. a permanent financial claims scheme (FCS) in October 2008, which explicitly guaranteed bank deposits with a $1 million cap; the guarantee was reduced to $250 000 per depositor from 2012.
50. Covered bonds: A. were introduced following the GFC to ease liquidity pressures on the bank's balance sheet. B. are issued by a bank, backed by a pool of assets, which remain on the balance sheet of the issuing bank. C. are issued by a bank, backed by a pool of assets, which are off-balance-sheet items of the issuing bank. D. are issued by the Reserve Bank of Australia to FIs with liquidity problems.
63. Discuss the factors that contributed to Australia's financial resilience and relatively strong performance during the global financial crisis.
64. Explain the Post Wallis Inquiry regulatory framework in Australia.
65. Compare and contrast credit unions with the major banks.
66. APRA conducts a prudential supervisory framework that assesses FI risk and likelihood of FI failure and determines an appropriate supervisory response. Outline the two systems implemented by APRA—PAIRS and SOARS—and the purpose of the assessment system.
1. Which of the following statements is true? A. Non-bank depository institutions include building societies and credit unions. B. A non-bank depository institution meets the legal definition of a bank. C. A non-bank depository institution does not meet the legal definition of a bank. D. A non-bank depository institution may be a building society or a credit union and a non-bank depository institution undertakes many of the same activities of a bank without meeting the legal definition of a bank.
Difficulty: Medium Learning Objective: 02-01 Learn the different types of depository institutions in Australia and how they compete in the same market and face similar risks.
Difficulty: Easy Learning Objective: 02-05 Learn the history of the industry comprising credit unions and building societies and the structure of their industry.
Difficulty: Medium Learning Objective: 02-05 Learn the history of the industry comprising credit unions and building societies and the structure of their industry.
Difficulty: Hard Learning Objective: 02-03 Gain an insight into the balance sheet of banks and the trends in assets, liabilities and capital.
Difficulty: Medium Learning Objective: 02-02 Gain an understanding of the major activities of banks and the industry structure.
Difficulty: Easy Learning Objective: 02-01 Learn the different types of depository institutions in Australia and how they compete in the same market and face similar risks. Learning Objective: 02-02 Gain an understanding of the major activities of banks and the industry structure.
Difficulty: Medium Learning Objective: 02-03 Gain an insight into the balance sheet of banks and the trends in assets, liabilities and capital.
Difficulty: Easy Learning Objective: 02-02 Gain an understanding of the major activities of banks and the industry structure.
Difficulty: Hard Learning Objective: 02-02 Gain an understanding of the major activities of banks and the industry structure.
Difficulty: Medium Learning Objective: 02-08 Understand the key areas of regulation and the reasons why these areas are targeted for regulation.
Difficulty: Easy Learning Objective: 02-03 Gain an insight into the balance sheet of banks and the trends in assets, liabilities and capital.
Difficulty: Medium Learning Objective: 02-06 Gain an understanding of the changing shape of the market for credit unions and building societies and how they have performed.
Difficulty: Easy Learning Objective: 02-06 Gain an understanding of the changing shape of the market for credit unions and building societies and how they have performed.
Difficulty: Medium Learning Objective: 02-07 Appreciate the regulatory framework governing the activities of Australian depository institutions and the key regulatory agencies.
Difficulty: Easy Learning Objective: 02-07 Appreciate the regulatory framework governing the activities of Australian depository institutions and the key regulatory agencies.
Difficulty: Medium Learning Objective: 02-07 Appreciate the regulatory framework governing the activities of Australian depository institutions and the key regulatory agencies. Learning Objective: 02-08 Understand the key areas of regulation and the reasons why these areas are targeted for regulation.
Difficulty: Hard Learning Objective: 02-08 Understand the key areas of regulation and the reasons why these areas are targeted for regulation.
63. Discuss the factors that contributed to Australia's financial resilience and relatively strong performance during the global financial crisis. The maintenance of high lending standards and risk conservatism during the 2000s was one of the reasons why the Australian economy generally was less impacted by the GFC than many other countries. Despite the changes in structure of the banking industry, the Australian banks' performance during the GFC was relatively good compared to global markets. Some features that prevented excessive risk-taking by Australian financial institutions include the following: a. Internal governance characteristics are one possible factor. Inherent conservatism induced by memory of the banking crisis at the start of the 1990s may have been another, inducing lower risk lending and limiting exposure. b. External influences may also have been important influences upon risk-taking. For example, deposit and debt markets could have exerted discipline against excessive risk-taking, if depositors believed that their funds were at risk and subordination of debt holder claims due to depositor preference increased monitoring. c. Another external influence is regulation and strong prudential supervision. The 'twin-peaks' model adopted just prior to the start of the decade created a specialist prudential regulator (APRA) and a specialist corporate, markets and financial services regulator (ASIC). Such specialisation may have facilitated more effective prudential regulation and prevention of excessive risk-taking. Also, with the collapse of the major insurance company HIH at the start of the decade, a tougher approach to prudential regulation was induced. d. Another factor may have been the overall structure of financing in the economy. With (major) Australian banks borrowing extensively offshore (helping to finance Australia's current account deficit) and able to profitably use those funds for housing and other domestic lending, there were limited incentives to invest in ultimately 'toxic' assets and have very limited involvement in securities trading on their own account and consequently did not have material holdings of assets (such as collateralised debt obligations) that caused large asset write downs by many large international banks.
Est time: 10–15 minutes Learning Objective: 02-03 Gain an insight into the balance sheet of banks and the trends in assets, liabilities and capital.
64. Explain the Post Wallis Inquiry regulatory framework in Australia. Australia's current financial regulatory framework has its origins in the Wallis Committee's Financial System Inquiry of the late 1990s. The main elements of the new regulatory framework recommended by the Wallis Committee were fully implemented by 1999. The changes included wide-ranging reforms to the structure of financial regulation based on function rather than industry, and were designed to improve financial system efficiency and competitiveness. Prior to these reforms FI regulation was based on industry, while financial markets, such as securities, futures and foreign exchange markets and products, were regulated on a functional basis. Consequently, with FIs covering many functional types, regulatory supervision was complex and involved a number of different authorities. For example, banks were regulated by the RBA, yet their growing funds management, superannuation and insurance activities were supervised by different agencies. As the distinction between the activities of different types of FIs became increasingly blurred in the deregulated financial environment of the 1990s, the unwieldy regulation resulted in duplication, inconsistencies, inefficiencies and unintended regulatory gaps. These challenges were overcome by the Wallis Committee's regulatory reforms. By 1999, the regulatory framework consisted of three agencies, each with specific functional responsibilities: 1. Australian Prudential Regulation Authority (APRA), with responsibility for prudential regulation and supervision of financial institutions 2. Australian Securities and Investments Commission (ASIC), with responsibility for market integrity and consumer protection across the financial system 3. Reserve Bank of Australia (RBA), with responsibility for monetary policy and for overall financial system stability.
Est time: 10–15 minutes Learning Objective: 02-07 Appreciate the regulatory framework governing the activities of Australian depository institutions and the key regulatory agencies.
65. Compare and contrast credit unions with the major banks. In Australia, banks and credit unions are classified as depository institutions (DIs) and are both regulated by APRA. Credit unions are subject to the same prudential regulations as banks. Historically, Australia's largest banks have operated as well-diversified financial institutions, with large holdings of residential mortgages as well as personal and commercial loans, thus covering both retail and business sectors. Credit unions tend to concentrate on retail finance-related activities, such as personal and small business loans, and residential mortgages tend to dominate their asset portfolios. Bank assets have grown from 50 per cent of GDP in 1990 to more than 200 per cent in 2010, whereas the non-bank depository institutions including credit unions have fluctuated between 10 and 20 per cent of GDP. In terms of total FI assets, banks again dominate, holding more than 60 per cent of total FI assets. Credit unions' market share changed very little from 1992 to 2011 (at 2 per cent); although during this period it rose as high as 2.9 per cent. The most notable changes in credit union assets are the fall in cash and liquid assets (from 11.4 per cent of total assets in 1990 to 3.8 per cent in 2011) and the rise in housing loans (from 17.8 per cent in 1990 to 69.8 per cent in 2011). Deposits form the priority funding base for credit unions, representing nearly 83 per cent in 2011, a much higher proportion than banks with only 60.6 per cent in 2011. Moreover, the cost structure of credit unions is higher than for banks, credit union expenses represent more than 2.5 per cent of assets. Also credit unions operate on higher interest margins than major banks.
Est time: 10–15 minutes Learning Objective: 02-02 Gain an understanding of the major activities of banks and the industry structure. Learning Objective: 02-05 Learn the history of the industry comprising credit unions and building societies and the structure of their industry. Learning Objective: 02-06 Gain an understanding of the changing shape of the market for credit unions and building societies and how they have performed.
66. APRA conducts a prudential supervisory framework that assesses FI risk and likelihood of FI failure and determines an appropriate supervisory response. Outline the two systems implemented by APRA—PAIRS and SOARS—and the purpose of the assessment system. The main objectives of the FI risk assessment are to:  determine the probability that an FI will not meet its financial commitments  measure the impact of the potential consequences of not meeting those commitments  determine an appropriate supervisory action plan to address the key issues identified. The risk assessment is made using two APRA systems (PAIRS and SOARS) which together provide a structure to guide APRA in gauging risks and determining the appropriate supervisory response. A Probability and Impact Rating System (PAIRS) assessment details APRA's assessment of key risks, management and controls and capital support for the institution and its supervisory action plan. APRA's supervisory actions are driven by its Supervisory Oversight and Response System (SOARS). The outcome of the PAIRS process determines the SOARS response. SOARS sorts FIs into four types of supervisory responses: normal, oversight, mandated improvement and restructure.
Est time: 10–15 minutes Learning Objective: 02-07 Appreciate the regulatory framework governing the activities of Australian depository institutions and the key regulatory agencies. Learning Objective: 02-08 Understand the key areas of regulation and the reasons why these areas are targeted for regulation.
Learning Objective: 02-01 Learn the different types of depository institutions in Australia and how they compete in the s ame market and face similar risks.
Learning Objective: 02-02 Gain an understanding of the major activities of banks and the industry structure.
Learning Objective: 02-03 Gain an insight into the balance sheet of banks and the trends in assets, liabilities and capita l.
Learning Objective: 02-05 Learn the history of the industry comprising credit unions and building societies and the stru cture of their industry.
Learning Objective: 02-06 Gain an understanding of the changing shape of the market for credit unions and building so cieties and how they have performed.
Learning Objective: 02-07 Appreciate the regulatory framework governing the activities of Australian depository instituti ons and the key regulatory agencies.
Learning Objective: 02-08 Understand the key areas of regulation and the reasons why these areas are targeted for re gulation.


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RENO, Nev. (AP) — A former Tesla Inc. employee at the electric car maker's battery plant in Nevada is seeking at least $1 million in defamation damages after it accused him of "sabotage," hacking into computers and stealing confidential information leaked to the media.
Tesla officials did not immediately respond to requests for comment from The Associated Press on Thursday.
Tesla filed suit against Tripp on June 20, three days after Musk warned employees of sabotage from within the company.
Tripp said he repeatedly questioned supervisors about the large quantities of waste and scrap vehicle parts he observed "lying haphazardly on the ground inside the Gigafactory" but his concerns were never addressed or resolved.
Tesla's original suit said Tripp admitted to Tesla investigators that he wrote software that transferred several gigabytes of data outside the company, including dozens of photographs and a video, according to the lawsuit filed Wednesday. Hacking software from Tripp also was running on three computer systems of other employees "so that the data would be exported even after he left the company and so that those individuals would be falsely implicated," the lawsuit alleged.
The suit said Tripp made false claims about the information he stole, including claims that Tesla used punctured battery cells in the Model 3, and claims about the amount and value of scrap material generated by Tesla's manufacturing process. Some of the claims made it into media stories about the company, but media organizations are not identified in the lawsuit.
He acknowledged that he had made claims about the scrap and punctured battery cells being used in Model 3 vehicles. But he said he did not direct code changes to the Tesla Manufacturing Operating System under false user names or export large amounts of highly sensitive Tesla data as Musk had asserted.


One thing you may be surprised to see is that not every lettings agent offers services for HMOs (houses in multiple occupancy). There is a simple reason why this is the case though; managing them requires different skills and competencies. It also presents a different level of risk. Fortunately the team at T1property specialise in this area and have become the leading provider of HMO management Portsmouth has.
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Perhaps the biggest reason so many lettings agents don't manage HMOs is the potential that they have not been converted with regard to the regulations. If a property is not fully compliant with these requirements the property manager could become liable for some really big fines. To protect themselves they need to be able to do their own compliance checks and ensure everything is correct. This also requires the relevant training and experience.
Another reason managing HMOs is more challenging is the hassle factor. Numerous tenants in different households living in the same property can cause a number of problems. It will be the property manager's job to resolve them and ensure everybody is happy and safe.
Although there are challenges the T1property team is prepared and qualified to take them on. We set the very highest standards and are fit to act as property managers for HMOs of various shapes and sizes. Our skills and experience is the reason we chose to specialise in this area when so many lettings agents avoid it.
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(AP) - Tennessee Titans receiver Kenny Brittis due in a New Jersey courtroom to answer a charge stemming fromhis second arrest in the state.
He's charged with resisting during a June 8 arrest in Hobokenwhen detectives suspected he was carrying a marijuana cigar.
Prosecutors say Britt may not appear at Thursday's hearing inJersey City, but instead may have his lawyer file papers.
Britt pleaded guilty last week to motor vehicle violationsrelated to a previous speeding arrest in his native Bayonne.
The former Rutgers star also has two arrest warrants outstandingin Tennessee. They were issued April 14 by the Tennessee HighwayPatrol. It's also investigating an issue on Britt's driver'slicense applications.
His attorney has said Britt will be in Tennessee soon to dealwith the warrants.


text:
The thirteenth Minnesota Legislature first convened on January 3, 1871. The 11 members of the Minnesota Senate who represented odd-numbered districts were chosen in the General Election of November 2, 1869, while the 11 members of the Minnesota Senate who represented even-numbered districts, and the 47 members of the Minnesota House of Representatives, were chosen in the General Election of November 8, 1870.

Sessions
The legislature met in a regular session from January 3, 1871 to March 3, 1871. There were no special sessions of the 13th Minnesota Legislature.

Party summary

Senate

House of Representatives

Leadership

Senate
Lieutenant Governor
William H. Yale (R-Winona)

House of Representatives
Speaker of the House
John L. Merriam (R-Saint Paul)

Members

Senate

House of Representatives

Membership changes

Senate

House of Representatives

Notes

References

 Minnesota Legislators Past & Present - Session Search Results (Session 13, Senate)
 Minnesota Legislators Past & Present - Session Search Results (Session 13, House)
 Journal of the Senate of the Thirteenth Session of the Legislature of the State of Minnesota
 Journal of the House of Representatives of the Thirteenth Session of the Legislature of the State of Minnesota

13th
1870s in Minnesota


This unusual and remarkable album, recorded in 1955, was, at the time, a "first" in several ways. It was the first twelve-inch contemporary jazz LP issued by Riverside – making it a very suitable starting point for what has become a distinguished list of jazz albums. It was also the first of several highly significant and widely appreciated LPs recorded for Riverside by Thelonious Monk. Lastly, it was planned as the start of a campaign that has long since been won: a campaign to overcome the fears of those who had previously made the mistake of feeling that Monk was "too difficult" and "too far out" for them. To bring him to the attention of this broad audience seemed doubly desirable; it would bring pleasure and rewarding musical stimulation to many previously self-depriving listeners; and it could help gain for Monk the broad and deep credit and acceptance that he deserved as one of the true creative giants of jazz.
This album, in which Thelonious for the first time offered a program entirely made up of standard material, appeared at first to leave some reviewers a bit confused and discomforted – perhaps because they were unable to adjust their stereotypes of Monk as a "mad genius" to conform with the reality of his ability to interpret the works of another composer inventively, lucidly and with respect. Actually, the premise of the LP was simple enough. It derived from a conviction that a good part of the problem of the jazz artist who (as was at that time the case with Monk) is considered excessively "far out" is tied in with the playing of material that is unfamiliar to the 'average' ear. This is not to deny the vast importance of original compositions in jazz creativity. But it can be extremely helpful to know the precise structural and melodic starting point for a musician's improvisations. Communication between performer and audience is, after all, rather important; and to perhaps more listeners than might care to admit it out loud, the initial identification of knowing the tune can turn out to be at least half the battle.
To give this LP a certain unity of mood, and to insure worthwhile material for Monk to work with, it was suggested that the standard compositions he'd stick to be selected from the works of Duke Ellington, himself a major force for a quarter-century, and certainly a man for whose achievements most jazz modernists have mare than a little respect. Thelonious readily approved the whole idea. He retired briefly with a small mountain of Ellington sheet music; in due course he reported himself ready for action; and thus this LP was born.
Although Monk surely remains his usual unfettered musical self here, he has not made the mistake of treating Duke's compositions merely as vehicles. They have too much character and strength for that; they serve in each case to suggest a logical direction for Monk to travel. Thus, for example, Black and Tall is fittingly treated as a funky blues, Caravan becomes a weird flight of fancy, and Solitude - played as an unaccompanied piano solo is a mood-piece of almost painful poignancy.
Thelonious is aided to no small degree by two exceptionally gifted associates. Oscar Pettiford is among the finest bass players around today; he has probably done more than anyone since Jimmy Blanton to create and shape the modern bass style. Kenny Clarke worked with Monk in the house band at Minton's during the early-1940s days when bop was first developing; he deserves to be ranked near Thelonious, Bird and Dizzy among the basic formulators of modern jazz, and he remains high on anyone's list of top drummers. These three men begin with the decided advantage of knowing each other and each others music so well that fitting together is almost a matter of instinct. With such support, and with the rich fullness of Ellington's music to work from, Thelonious is able to display at their best his distinctive and remarkable attributes: a firm, swinging beat; a spare, precise, yet actually highly lyrical approach; flashes of sardonic humor; and an unequalled flair for unexpected but thoroughly logical improvisation.
"Thelonious Monk plays Duke Ellington" has proved to be a pioneering album. Its significance has by now been recognized, and over the next few years several succeeding LPs (offering Monk's treatments both of standards and of his own brilliant originals) met with ever-increasing success and near-unanimous acclaim. Also, Thelonious' increasing -frequent appearances at concerts, festivals and night clubs helped bring him more and more firmly to the fore. By the Summer of 1958 (to pick out a specific reference point), Monk was drawing record-breaking crowds in his second lengthy stay at New York's Five Spot Cafe, and his resurgence had even gone so far as to captivate that formerly skeptical group known as "the critics" - he had won out over Erroll Garner as top-rated pianist in the 1958 Down Real Critics' Poll.
Such happenings have led us at Riverside to recognize that Monk's audience - which is a still-widening one has clearly become many times broader than it was when this album was first issued. With this new audience in mind, we have now repackaged these eight classic Monk performances - using as the cover a reproduction of "The Repast of the Lion," a striking painting by the French "primitive" modernist Henri Rousseau.
A HIGH FIDELITY Recording (Audio Compensation; RIAA Curve).
Recorded in Hackensack, New Jersey July 21 and 27, 1955.


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