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The Long-tailed Paradigalla (Paradigalla carunculata) is a species of concern belonging in the species group "birds" and found in the following area(s): Indonesia.
Copyright Notice: This article is licensed under the GNU Free Documentation License. It uses material from the Wikipedia article "Long-tailed paradigalla".
Glenn, C. R. 2006. "Earth's Endangered Creatures - Long-tailed Paradigalla Facts" (Online) - Licensed article from Wikipedia: The Free Encyclopedia. Accessed 4/20/2019 at http://earthsendangered.com/profile.asp?sp=11768&ID=3.
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text:
The ag-weather sage Elwynn Taylor must've seen his shadow here
JEFFERSON, Iowa, March 6, 2015 — Let's see, how is it that the groundhog Punxsutawney Phil's weather predictions work out there in Pennsylvania? Isn't it that if Phil comes out of his burrow on Groundhog Day and sees his shadow, there'll be six more weeks of winter?
In Iowa, weather information is easier to access and more reliable. We just ask Elwynn Taylor.
Since 1970, he's been a professor of agronomy and Extension climatologist at Iowa State University. With his frequent commentaries on radio over the decades, he has become a "rock star" of weather analysis here. West Central Cooperative, the huge and diverse ag company that operates in this region, has late-winter informational meetings for its producers-customers, and on Tuesday this week, they featured Taylor. The coop kindly invited the public, too.
I swear Taylor must've seen his shadow outside the Elks Club on his way in to speak to the crowd of about 30.
Among his insights for us:
–"The last two winters have been as harsh as winters were in the early 1960s, and we're in for another 10 to 15 years of harsh winters, if the weather keeps doing what it's been doing over the decades."
–"Risk is going to be greater in agriculture in the next 20 years than it's ever been before. We're now into a 25-year period of volatile yields, if the weather keeps doing what it's been doing."
–"The year 2025, plus or minus three or four years, will be the worst year for yields in a century." (Why that year? It happens "every 89 years," he explained, "1847, 1936 and add 89 years to that.")
Professor Elwynn Taylor, 73, of Iowa State University gets us through whatever weather is delivered for Iowa. We may not like it any better, but he at least helps us understand it.
I looked around to see if any of our farmers were looking pale, pasty and beleaguered, but then we all do this time of year, don't we? And right then Taylor started to come with the better news: This is all going to be quite manageable, particularly if you heed the experts at West Central Cooperative and other ag-friendly resources.
"Know the risk," Taylor said, almost in a chant. "Risk has numbers. Know the risk for your specific farm. Information is readily available, so use it. Know when to expect suitable degree days, likely precipitation levels, stress days."
The science of climatology — at least the Elwynn Taylor version of it — seems heavily based on weather patterns over the long haul. He uses charts, graphs, maps and a good measure of folk wisdom in building good foundations for his predictions and projections. And he delivers many of those in fun little nuggets.
For example, before he actually started his speech Tuesday, he asked if there were any questions, and one fellow cut right to the chase: "How much corn are we going to grow this year?" Taylor didn't even flinch. "The national trend is 162.3 (bushels per acre), and right now I'll add four bushels above that.," he said, holding up four fingers. "Of course, I'll change my figures later. Things change so much when the sun gets in the northern hemisphere and starts heating the place up."
There are those "polar vortexes" that have been assaulting us in the most recent winters. "Last time we had polar vortexes this strong was 1955," said Taylor. "Both times we saw droughts in Texas and here, and they were followed then by these very cold winters."
He said we should be listening closely to what he has to say in his radio appearances after March 15. "We know by March 15 whether we'll have an El Nino," he said, "and if we do, we tend to have a good crop in the Midwest."
I think his "El Ninos" and "La Ninas" have something to do with the "SOI." When Taylor used to have an extended weather show once a week on WOI-AM public radio, he would be talking his way through some weather development, and he'd drop that term "SOI," and then immediately pause. That's because Doug Cooper, then the weather show's host and now part of WHO radio's midday farm show, would break-in and offer in a low, explanatory tone, "That's the 'Southern Oscillation Index'." I always loved that even though I was clueless what it really meant, and still am.
Taylor was terrific Tuesday in talking about energy, fuel, excessive carbon in the atmosphere and how agriculture relates to all that.
"The problem is that we all like what energy can do, and we're energy dependent," he said. "My favorite discussion about that happened one time years ago when a bunch of us were gathered at some convention and we were having a seminar over lunch. Finally, one of the scientists held up his sandwich in the palm of his hand and said, 'The problem is my sandwich.' We all stopped, looked at him and wondered what he meant. He went to explain that it looked to be a fine sandwich, just the kind he liked, 'but this sandwich had to travel 1,400 miles to get to me.' He explained the meat had come from Iowa, the lettuce from California, the tomato from Texas, and the mayonnaise from some place else. As the world becomes more affluent, we use more energy."
Taylor went on to talk about the wisdom, practicality and efficiency of growing our food closer to home.
Then he noted how affluence brings more demand for fuel to operate production equipment, trucks, cars and other vehicles. And those all put more carbon in the air.
"Agriculture has been part of the problem, and agriculture can be all of the solution," he said. "Agriculture can solve the climate change problem by providing a fuel that does not change the carbon in the air. Right now we're using 20 percent of the corn in Iowa to produce ethanol. If we're using biofuel, carbon dioxide doesn't go up at all in the atmosphere. It would take one third of the row crop land of this Earth to produce the energy to fuel our machines in a way that would agree with nature. Interestingly, that's what we were doing when we were powered by horses. It took a third of our crop land to grow their 'fuel' — the food for the horses."
Back to the opening question, Taylor finished his presentation talking about likely corn yields and prices this year compared to costs of producing it.
"My prediction is that you will again sell your corn for just about the cost of production," he said. "I say that because since 1972, the Iowa farmer has always sold his corn for the price of production — it comes out within a nickel. Agriculture is the only industry that is happy to sell its product for the cost of production. Other industries try to make as much profit as they can get away with. So why do Iowa farmers sell at about the cost of their production? Because we're nice people, that's why."
Oh, one more priceless nugget from Taylor. I don't know how he got to this point, but it fell between his prediction of the chance of flooding on the Missouri River this year ("less than 25 percent") and his insights on the polar vortexes of 1955 and right now. Suddenly I heard him saying, "And do you realize that you can't throw a baseball in a straight line anywhere but on the equator? Everywhere else the ball is going to curve because the Earth is turning. If you were standing right here in Jefferson and could throw it hard enough, the ball would in fact go around in a circle but it would take a long time."
O.K. to that, too.
Put all of the above together, and you begin to understand why when Elwynn Taylor is speaking about the weather, a whole lot of us in Iowa are listening — spellbound.
← POGGENSEE'S POSTCARDS: "BRR" day in Perry had sun, warm temperatures & lots of smiles
Baseball Hall of Famer Ernie Banks loved the donuts from our town →

redpajama_set_name: RedPajamaCommonCrawl


AACI will appoint an surveyor team to carry out surveys. The team shall consist of a Clinical surveyor, Generalist and Physical Environment and Life Safety surveyor. The surveyor team will carry out the survey against the requirements of the International Accreditation Standard for Healthcare Organisation, by verifying the fulfilment of requirements or professional competence as well as the efficiency of the management system.


Cameron has praised Indonesia as a model of Muslim democracy, an alternative to the dead-end choice of dictatorship or extremism. Clearly he felt it to be time for the Islamic countries to reduce religious influence on policy making, in favour of a more contemporary approach, which can accommodate the interests and views of media moguls, corporate giants, and those willing to be major donors to party funds. The new cronyocracy, in fact, of which Britain is a shining example.
This is a barbecue we had last year for some exchange students from Corrientes, Argentina, and their English hosts. A generation ago, young people like these were killing each other.


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text:
News Startups
Innovation in your inbox
Why Bellingcat wants to teach normal people to be investigative journalists
Knight Foundation to match $1.5 million in donations to news outlets across U.S.
Former Medium editors are creating a magazine about mental health so they started by sharing their own stories
When dinner inspires dreams: How City Bureau wants to change journalism in Chicago
The biggest crowdfunding campaigns in Kickstarter history happened in the past month
Photos: What resilience in America's Heartland looks like
Photos: Exploring Soviet-era sanatoriums
Photographer documents parents celebrating life and fighting cancer together
Asking the crowd to witness war
by Khari Johnson - Feb 19, 2015
With a Kickstarter campaign started earlier this week, Boston-based GlobalPost is looking for $95,000 to hire, train and properly equip a conflict correspondent to travel to war zones around the world.
Starting in mid-2015, the temporary position will last for 16 months.
"War reporting is expensive and dangerous, yet it is vital to the public interest," GlobalPost said on their campaign page.
As of when this story was published Thursday, the campaign has brought in $11,500 from 130 backers. If the campaign succeeds, it will become the fifth most funded project ever in Kickstarter's Journalism category.
"We've believe there's never been a time when covering conflict matters more," said Patrick Winn, senior correspondent in Bangkok in the campaign's pitch video.
GlobalPost turns to the crowd for funding during one of the most dangerous periods of reporting for international journalists on record when reporters are increasingly treated, not as neutral parties, but targets.
More journalists have been killed in the last three years than any other time since the Committee to Protect Journalists (CPJ) began keeping track in 1992.
Nearly half of those killed during that period were in the Middle East, among them James Foley, a GlobalPost contributor decapitated last summer by Islamic State.
These attacks represent "a fundamental threat to independent journalism," states a letter cosigned earlier this month by GlobalPost and two dozens news organizations around the world.
Budgetary restraints have made international correspondents less of a priority for many news organizations.
The letter demands that news organizations "recognize that local journalists and freelancers, including photographers and videographers, play an increasingly vital role in international coverage, particularly on dangerous stories."
The Guardian News and Media group, Newsweek and the National Union of Journalists of the Philippines later signed on to the letter.
"Locally-based journalists face by far the largest threat and endure the vast majority of murders, imprisonments and abductions. We call on governments, combatants and groups worldwide to respect the neutrality of journalists and immediately end the cycle of impunity surrounding attacks on journalists," the letter reads. "At the same time, the kidnapping and murder of reporters James Foley and Steven Sotloff brought to light the growing risks faced by international freelance journalists."
The letter supports the following:
– Editors and news outlets "should show the same concern for the welfare of local journalists and freelancers that they do for staffers."
– Never assign a story to a freelancer unless the news organization is "prepared to take the same responsibility for the freelancer's wellbeing in the event of kidnap or injury as it would a staffer."
– Reporters should procure medical insurance, some training, protective gear and take precautions to avoid mobile and internet tracking.
– News organizations should be concerned for the safety of regular freelancers the same as they are staff when it comes to things like injury, kidnapping, training and security.
Shortly after the founding of GlobalPost in 2009, The GroundTruth Project, an organization to train combat journalists, was created by GlobalPost cofounder Charles Sennott.
See these stories by the Boston Globe and CPJ stories for more information about the rising threat against freelancers and what news organizations are doing about it.
See Also: Vet wants to shoot at ISIS with a camera and a gun
Trending now: Fact-checking in countries around th... The team of Chequeado, a fact-checking non-profit news organization in Argentina. In recent years, a boom of global political fact-checking organi...
Crowdfunding propaganda? Russia Insider's pl... Russia Insider has a crying Statue of Liberty on its home page. She's weeping into her palms as black clouds or smoke billow in the background. Ther...
Former Vice employees, a lot of GIFs and a push to... Three former Vice employees have come together to create a home online for independent artists in big cities, starting with New York. NYC.TV (at ...
Reporter's notebooks might make good startup... A lot of things led to the creation of Through the Cracks: Crowdfunding in Journalism. One of those reasons: reporter's notebooks. Look into th...
Khari Johnson
Khari is founder and editor of Through the Cracks: Crowdfunding in Journalism. He also writes about bots and artificial intelligence for VentureBeat. He has built news startups in the U.S. and Europe for the last decade.
Italian newspaper tries to revive and keep its war reporting alive
Why is Gaza still in rubble? GlobalPost's search for answers - Through the Cracks: Crowdfunding in Journalism May 22, 2015 at 10:55 am
[…] February, GlobalPost attempted an ambitious crowdfunding campaign to pay the salary of a war […]
What the most successful crowdfunding campaigns for journalism have in common
Documentary photographer turns his lens toward his Autistic daughter
The story behind (and tips from) the most successful crowdfunding campaign in the history of journalism
A National Geographic photographer's 4 tips for crowdfunding photo books
Krautreporter: Crowdfunding journalism is a movement
A Humans of New York-inspired project in the Arctic
'How I successfully crowdfund my journalism'
Crowdfunding propaganda? Russia Insider's plan to target American mainstream media
Polaroid photography of Britain's most isolated community
© Copyright 2016 - Through the Cracks: Crowdfunding in Journalism
Get original stories and a curated view of crowdfunding journalism you cannot find anywhere else.


text:
The Feeding Tube Apr. 8, 2014
Top Chef Extreme Got a New, Far Less Extreme Title
By Alan Sytsma
Curtis is psyched about this, though. Photo: Bravo
Bravo sends word that Top Chef Extreme, which you may remember pits Top Chef and Top Chef Masters chefs against one another, has been rechristened as Top Chef Duels. (The concept, however, remains the same, and as extreme as ever.) Curtis Stone will host; Gail Simmons, Hugh Acheson, Wolfgang Puck, and "special guests" will all judge; and the winner gets a $100,000 prize. Also of note: Bravo gave the go-ahead to its revamp of Gordon Ramsay's British series Ramsay's Best Restaurant. In the new American show, simply called Best New Restaurant, Tom Colicchio and a "trusted team of experts" will "pit 16 of the nation's hottest new restaurants against each other in a series of challenges aimed at determining who provides the best all-around, top-to-bottom experience." Don't count on Guy Fieri's new Vegas restaurant making the cut. [Earlier, Related]
the feeding tube
tom colicchio
top chef duels
The Acclaimed Bar Goto Expands to Brooklyn This Week
Report Says Fairway Will Close. Fairway Says It Won't. Instead, the chain "expects to soon announce a value maximizing transaction."


text:
Tyrannius Rufinus
Roman priest and writer
Last Updated: Jan 3, 2020 See Article History
Tyrannius Rufinus, (born c. 345, Concordia, near Aquileia, Italy—died 410/411, Sicily, possibly at Messina), Roman priest, writer, theologian, and translator of Greek theological works into Latin at a time when knowledge of Greek was declining in the West.
After study at Rome, where he met Jerome (later a saint and one of the doctors of the Western Church), Rufinus entered a monastery at Aquileia. Jerome often visited the monastery, and the two became close friends.
About 373 Rufinus began to study the writings of Origen (q.v.), one of the Greek doctors of the church. In the early 390s Rufinus and Jerome became involved in a controversy over Origen's teachings, by this time suspected by orthodox theologians of injecting heretical elements into theology. In 393 both men were charged with Origenist leanings, but Rufinus refused to make formal abjuration of the alleged errors, while Jerome readily did so. The discord between the men continued during the next year, abated by 397, and then flared soon afterward into a bitter quarrel when Rufinus published in Rome a translation of Origen's De principiis ("On First Principles") and wrote a preface representing Jerome to be an admirer of Origen. Thereafter, Rufinus was subjected to merciless abuse from Jerome. Rufinus' orthodoxy was questioned, and he was obliged to write an Apologia to Pope Anastasius, who had summoned him to Rome.
For the remainder of his life Rufinus devoted himself to literary pursuits, translating numerous biblical commentaries and homilies by Origen, an Apologia for Origen by the learned teacher and martyr Pamphilus, sermons by Saints Basil and Gregory of Nazianzus, and the history of the early church by the scholar Eusebius; none of these works survive in complete texts. Whenever he suspected that works that he was in the process of translating had been altered by unorthodox theologians, Rufinus did not hesitate to shorten or paraphrase the original text. His own writings include a commentary on the Apostles' Creed that exemplified contemporary catechetical instruction and provided the earliest continuous Latin text of the creed.
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Origen: Writings
…paraphrase by the Christian writer Tyrannius Rufinus (c. 365–410/411). The homilies on Genesis through the Book of Judges (except Deuteronomy) and Psalms 36–38 survive in a Latin translation by Rufinus. Jerome, the great Christian scholar (c. 347–c. 420), translated homilies on the Song of Solomon, Isaiah, Jeremiah, Ezekiel, and Luke.…
St. Jerome: Life
…with an ascetic elite—including Tyrannius Rufinus, a writer and scholar, who translated the 3rd-century Alexandrian theologian Origen—grouped around Bishop Valerianus. When the group disbanded (c. 373), Jerome decided to go on a trip through the East. On reaching Antioch in 374, fatigued by travel and by inner conflict, he rested…
Religion, human beings' relation to that which they regard as holy, sacred, absolute, spiritual, divine, or worthy of especial reverence. It is also commonly regarded as consisting of the way people deal with ultimate concerns about their lives and their fate after death. In many traditions, this…
Concordia, Italy
Messina, Italy
Christian Classics Ethereal Library - Biography of Tyrannius Rufinus


text:
Sembawang to Start Indian Port Operation
Sembawang Shipyard, a wholly-owned subsidiary of Sembcorp Marine, said it will form a joint venture with Kakinada Seaports to establish and operate a marine and offshore facility in India. Under the agreement, Sembmarine Kakinada Seaports (SKL) will develop the facility on the Indian ea
Sembawang Shipyard, a wholly-owned subsidiary of Sembcorp Marine, said it will form a joint venture with Kakinada Seaports to establish and operate a marine and offshore facility in India.
Under the agreement, Sembmarine Kakinada Seaports (SKL) will develop the facility on the Indian east coast near Krishna-Godavari and Mahanadi basin area.
The Singapore-based firm says it expects the facility to be developed in three phases over three to five years with an investment of $375m.
Sembcorp, through Sembawang Shipyard, will hold a 19.9% share of the jpint venture's initial investment of $50m with an option to increase it to 40%.
The aim of the project is to attract the Indian ships that sail to Singapore for repairing and vessel mending.
According to the company, Transocean Offshore International Ventures, India, a subsidiary of Transocean, US, will sign a favoured customer contract with SKL to use its facilities.
The Naval Vessels and Surface Combatants Market in India to 2025: Market Brief
The Maritime and Border Security Market in India to 2025: Market Brief
The Global Submarine and MRO Market in India to 2025: Market Brief
Sembawang Shipyard Pte Ltd
Transocean Ltd
SKL Pte Ltd
Sembcorp Holdings Limited
Sembcorp Marine Ltd


Help us Celebrate Our Graduates!
The day they've been waiting for is finally here. Their robes are pressed and tassels are attached as they get ready to walk the stage. For these teens, the road to this point has been long and full of challenges, but they haven't let that hold them back. The nights they've stayed up helping each other with homework is finally paying off, not just for one, but for five teens. Help us celebrate the four seniors graduating from high school and our 8th grader who is graduating from middle school. Our high school graduates are excited to start college in the fall and see all the opportunities a higher education will bring to them.
As they take this next step in their lives, they could use your help. Gift cards to Walmart, Target and Bed Bath and Beyond are great for picking out college supplies. We don't want them going hungry between classes either, gift cards to Moe's, McDonalds, and Burger King are great ways to show your support! You can mail gift cards to P.O. Box 3395, Columbia, SC 29230.
We are so proud of all our residents who have worked hard all year long and are moving onto the next grade!


Releasing the memory-resident state of Real Jukebox.
1. Right-click the Real Jukebox icon and click Disable StartCenter.
2. Click Yes - Disable StartCenter.
1. Start Real Jukebox and click the Tools tab.
3. Disable the Enable StartCenter option.


We all want to see the assets we have accumulated from a life-time's hard work pass to the next generation in accordance with our wishes and with a minimum of expense and delay. This doesn't just happen because we want it to – it takes careful planning. The attorneys at Kabat, McMillan, Mielziner and Sobel have assisted three generations of Northeast Ohioans with their estate plans, helping to see to the smooth transfer of wealth from one generation to the next.
Our estate planning services start with you – your goals, your assets, and your special needs and those of your family. You will meet with an estate planning practitioner – not a paralegal – where we will explore your goals and your assets. Then, we'll work together to develop a plan that meets your needs, and to the greatest extent possible, preserves your assets for your family.
For those with recently deceased family members with probate estates, we have been representing heirs and estates before the Probate Courts in Ohio for decades. One of our attorneys – Jonathan F. Sobel – has taught Probate Practice and Estate Administration at Ursuline College since 2000. We understand that the passing of a loved one is difficult enough without the added burden of maneuvering through a specialized court system on your own. We can lead you through the probate process with a minimum of aggravation so that you can devote your attention to where it is needed most – your family.
Let the experts at Kabat, McMillan, Mielziner and Sobel assist you with your estate planning or probate needs.


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OPINION: Voter suppression laws are sweeping the nation. Indiana is no different.
By Alessia Modjarrad
For every law placing an undue burden on voting, the foundation of democracy crumbles. The United States has a long and cruel history of disenfranchising voters of color with no end in sight. Just last week, Black Georgia Rep. Park Cannon was arrested for knocking on Georgia Gov. Brian Kemp's door as he signed oppressive voting legislation into law.
During the 2020 elections, people of color and young voters turned out in record numbers to put Democrats in control of Congress and the Presidency. Now, Republicans across the country are retaliating. Indiana — a state notoriously known for its voting suppression — is witnessing the same.
More than 250 bills with restrictive voter language have been filed across 43 states as of Feb. 19, according to the Brennan Center for Justice. Indiana is included twice on the list thanks to SB 353 and SB 398. Both bills would make it more difficult for voters to cast their ballots, whether through strict absentee ballot standards or by requiring proof of citizenship at the voting booth.
Indiana is not new to the practice of voter disenfranchisement. The Hoosier state has a long history of implementing restrictive voting laws, such as a strict photo ID policy and one of the earliest voter registration deadlines in the U.S., allowing those in power to depress turnout among communities of color. Indiana even purged 28.7% of its voters between 2016 and 2018 with "Crosscheck", a flawed software utilizing the illegal practice of purging voters after inactive two cycles without notice.
The horrific trend of voter disenfranchisement continued through the 2020 general election as Indiana was one of four states to require an approved reason to vote by mail. The COVID-19 pandemic was not a valid excuse.
Because of restricted absentee ballot access, Elizabeth Elliott, an IU student from Indianapolis, waited in line for nearly seven hours to vote at Krannert Park Community Center, a Marion County early voting site. Unfortunately, not everyone has the privilege of waiting hours upon hours to vote.
Related: [New voter outreach organization aims to get more Indiana voters registered, verified]
"I definitely saw people leave, and I saw people leave and come back," Elliott said. "I saw people pick up their kids from daycare and come back. I saw people call their work and say that they had to call off that day and you know, I don't know what type of sacrifices that means for them."
Unsurprisingly, Indianapolis dealt with the brunt of long lines due to numerous voting barriers. Not only is it one of the most Democratic areas in Indiana, it's also diverse with vibrant Black and Brown communities. A 2020 Brennan Center for Justice study reported that Black and Latino voters were more likely to wait longer than their white counterparts, compounding on existing barriers to voting access.
Bloomington dealt with similar wait time issues as lines ranged from one to two and a half hours long at the sole early voting location. Expanding early voting sites is an obvious yet complicated solution. Unfortunately, new locations require the unanimous consent of the bipartisan county election board. Republicans can and will block voting expansion in democratically held counties, such as Marion and Monroe, for their own benefit.
The struggle for voting rights isn't without its fighters at the Statehouse. State Sen. Fady Qaddoura, Indiana's first Muslim lawmaker, bore witness to the Indiana Republican Party's negative impact on voting rights. As Qaddoura walked the early voting line every day from 8 a.m. to nearly 10 p.m. at St. Luke's United Methodist Church, a Marion County early voting site, he watched as voters waited anywhere from three to eight hours.
"I want Democrats and Republicans, and every person who is unaffiliated, to have the right to vote without any barriers," Qaddoura said.
Expanding voter registration, early voting and absentee voting are all policy proposals other states have successfully implemented to increase voter access. Yet, the Republican supermajority at the Statehouse and other structural barriers make it difficult to actualize real change.
Conservatives continually use Indiana as an experiment to push the limits on disenfranchising people. If Republicans lawmakers wanted to remove voting access from out-of-state students or felons, what would stop them?
"We should do better and we should reform the way that we do elections, the way that we draw our districts, not to benefit any specific class or cohort of politicians, but rather protect democracy for generations of Hoosiers to come," Qaddoura said.
Democracy is only as strong as its weakest link and it demands the best of us to fight for the future. Voter disenfranchisement is a dark, never ending pit, and Indiana will fall deeper into it without strong foundations to protect the rights of voters.
Alessia Modjarrad (she/her) is a junior studying economic consulting and law and public policy. She is the president of the College Democrats of Indiana and works as a political operative on various Democratic campaigns


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Aroma is an unincorporated community in White River Township, Hamilton County, Indiana.

History
Aroma was named in the 19th century by William P. Haworth, who kept a small store there.  Aroma was a descriptive name, perhaps for the scent of fresh-cut hay. A post office was established at Aroma in 1870, and remained in operation until it was discontinued in 1902.

Geography
Aroma is located at .

References

Unincorporated communities in Hamilton County, Indiana
Unincorporated communities in Indiana
Indianapolis metropolitan area

redpajama_set_name: RedPajamaWikipedia


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JGC Fluor BC LNG JV
234 City Centre
Kitimat, BC V8C 1T6
www.jfjvkitimat.com
A joint venture between JGC Corporation and Fluor Corporation - JGC Fluor BC LNG JV - was selected by LNG Canada Development Inc. to be the engineering, procurement and construction (EPC) contractor for its proposed liquified natural gas (LNG) export terminal in Kitimat, British Columbia, Canada. The joint venture between JGC and Fluor (JFJV) has been established to leverage JGC's extensive experience of LNG projects worldwide, as well as Fluor's expertise accumulated from its outstanding trach record of completing mega - sized projects in North America.
The proposed LNG export facility will liquefy surplus Canadian natural gas so that it can be safely exported to help meet global energy demands. The facility will initially consist of two LNG processing units, referred to as trains, each with the capacity to produce at least 6.5 million tons per annum (mtpa) of LNG per train.
LNG Canada Development Inc. is a joint venture that includes Shell, PETRONAS, PetroChina, Mitsubishi and KOGAS. These five companies are global leaders in LNG, and provide world-class technical expertise in producing, storing, shipping and selling natural gas.


text:
McClain
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Texas Sports Nation // Rockets
Rockets waive fan favorite Gerald Green
Jonathan Feigen Dec. 19, 2020 Updated: Dec. 19, 2020 7:12 p.m.
The Rockets will make Gerald Green among the players to be waived on Saturday to reduce the roster in advance of Wednesday's season opener, a person with knowledge of the team's plans said on Saturday.
Photo: Takashi Aoyama/Getty Images
Gerald Green's third stint with his hometown team ended Saturday.
The Rockets waived Green, among the steps made to reduce the roster in advance of Wednesday's season opener.
"Gerald is a truly exceptional human being that is beloved by our organization, the City of Houston and Rockets fans all over the world," Rockets general manager Rafael Stone said. "He has given us so much on the court during his time with the Rockets, but we're even more proud of the impact he's had in the community.
"When Houston was hit its hardest by Hurricane Harvey, Gerald did whatever he could to help those in need. Gerald is all heart and he will forever be a part of the Rockets family."
With the Rockets hard-capped, removing most options, and the injury to second-year guard Chris Clemons guaranteeing his contract, the Rockets plan to carry 14 players plus two two-way players on their opening night roster.
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Clemons will remain on the Rockets roster, though he is out for the season with a ruptured right Achilles, likely costing Green his roster spot because of NBA rules for teams with a hard salary cap. The Rockets became hard-capped with the free agent deal to acquire center Christian Wood.
The Rockets went into training camp needing to waive or trade several players with non-guaranteed contracts because of the limitations as a hard-capped team. They were not going to waive DeMarcus Cousins and were unlikely to waive Bruno Caboclo given the need for an additional center in Cousins' first year back from multiple injuries.
When Clemons was hurt, NBA rules required that his contract became guaranteed, keeping him on the cap and limiting the Rockets' options to reduce the roster to waiving Green, barring a cap-clearing trade.
Green averaged 10.2 points in 20.9 minutes per game with the Rockets. He hit the most 3-pointers off the bench in the NBA from when he signed, Dec. 28, 2017, to the end of the 2018-19 season.
Green missed all of last season with a fractured foot suffered in a preseason game in Japan. The Rockets are open to bringing back Green during the season if other roster moves make it possible, an individual with knowledge of the team's thinking said.
In addition to the move with Green, the Rockets converted rookie Brodric Thomas' contract to a two-way contract and waived second-year center Trey Mourning and second-year forward William McDowell-White.
For Thomas, earning the two-way contract represents an achievement having come from Truman State to win the position.
"Undrafted rookie, Division II, all of those things," Rockets coach Stephen Silas said. "But he has been very, very consistent, and that's what you want from a rookie. You don't want the highs and lows. You just need someone who can perform at a consistent rate and improve at a consistent rate. And he has done those things.
"He shoots the ball relatively well. He's very smart. He tries on defense; he has good technique. He's learned a lot since he's been here. And as you saw the other day, he had some athleticism with the dunk that he had going baseline. But then he made a 3 right in front of our bench, with a little dribble, dribble stepback. He has some game to him, and a little toughness. He's a pleasure to have around."
McDowell-White, who came off the bench for the Rio Grande Valley Vipers, the Rockets' G League affiliate, last season, was signed to a two-way contract on Friday and Mourning was signed on Thursday.
Guard Mason Jones, an undrafted free agent out of Arkansas, was signed to a two-way contract after the draft. Players on two-way contracts with the G League affiliates are permitted to be available to play in 50 of the NBA season's 72 regular-season games.
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Jonathan Feigen has been the Rockets beat writer since 1998 and a basketball nut since before Willis Reed limped out for Game 7. He became a sports writer because the reporter that was supposed to cover the University of Delaware basketball team decided to instead play one more season of college lacrosse and has never looked back.
Feigen, who has won APSE, APME and United States Basketball Writers Association awards from El Campo to Houston, came to Texas in 1981 to cover the Rice Birds, was Sports Editor in Garland before moving to Dallas to cover everything from the final hurrah of the Southwest Conference to SMU after the death penalty.
After joining the Houston Chronicle in 1990, Feigen has covered the demise of the SWC, the rise of the Big 12 and the Rockets at their championship best.
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Timeline: 2020, a Houston sports year like no other


Do You Think that Leviticus 17 Is a Biblical Basis for Belief that Life Begins at Implantation?
What is your response to (Leviticus 17:11,14) "for the life of a creature is in the blood" as being a theological basis suggesting that life/personhood begins at implantation when the embryo is infused with blood?
In Hebrew ideology, terms like "flesh" or "skin" (basar) and "blood" (dam) are frequently used to represent all of the physical, biological parts of a body, whether of a human or animal. But the nature of the Hebrew language allows that the same terms have theological implications as well. "Flesh" can be used to speak of the propensity toward sin or to specific sins. The Hebrew word for blood conveys a breadth of meaning which is translated in various passages as "blood," "bloodguiltiness," "bloodshed," "life," "lifeblood," and even "death", so that "blood" also conveys the idea of culpability.
Of the 360 uses of the word dam (blood) in the OT, almost all references can be split into just two categories: there are two references to bloodshed as the result of violence (murder, war, etc.) for every one reference to the sacrificial shedding of blood to God. Blood then becomes an apt metaphor for guilt and death. The blood—always drained out and disposed of on the altar, the ground or elsewhere (Lev 1:5; Deuteronomy 12:24; Exodus 12:7)—represents life which is being offered up in place of actual sin.
In making a sin offering to the Lord, the context of passages like Leviticus 3:17 and 17:10-11 is that the offering by fire will expunge the guilt even as the fire consumes all that is on the altar (Leviticus 6:30). No part of the life of sin (represented by the sin offering) is to be withheld for human use or consumption because the toleration of sin, represented by withholding any portion of the offering, always leads to death. This is symbolized vividly when the Lord declares to Moses that any person who eats of the fat or drinks of the blood of the offering is to be "cut off" from among God's people (Leviticus 7:25-27; 17:10-14). To be "cut off" was to be as good as dead as far as the community of faith was concerned.
Some argue that the passage that asserts "the life of the flesh is in the blood" (Leviticus 17:11,14) has implications for ethical dilemmas like the debate over abortifacient "birth control" products. The usual argument is that since blood flow is not established until after nidation—the implantation of the embryo into the lining of the uterus—the death of the embryo does not constitute the death of a person.
This argument represents a self-serving and abusive approach to biblical exegesis since the context of the passages in question all concern sin and the concept of what is due to God in sacrifice. These passages are not attempting to teach a theology of when human life begins and should not be used in support of abortion at any stage.


Curricular and extracurricular practices are of crucial importance in the professional life of any student in medicine, nursing, psychology or any other health care career. Refer to this guide for Public Hospitals in Powys all information about each of the hospitals in Powys.
All the location and contact information that appears on the file of each hospital that makes up this directory of Public Hospitals in Powys is constantly reviewed to maintain the quality of this website and not to disappoint users who need to find these centers through a search in Internet. But we are still human and we can fail. If you find any errors, contact us so that we can fix it immediately. Thank you!.
Do you own a hospital? ADoes your bussiness data are missing here? If yes, we give you the option so that you can register the data in our database of Public Hospitals in Powys.
Have you had a sprain? Have you had a fracture? These are medical emergencies that need attention as soon as possible. Here's your guide of Public Hospitals in Powys so you can find the hospitals closest to your home at a glance.
The time when someone has an accident is a time of great stress, and even more so if we do not have the telephone number of a nearby hospital on hand. Here you will find all the telephones and addresses of each one of the hospitals of Newtown, in United Kingdom, to point them in your agenda and to have them always with you.
Hospitals of Brecon, in United Kingdom. Find here all the contact information and much more information of all the hospital centers that exist in this city. Your health is the most important thing, and for this reason you should not delay in looking for the specialist you need at the moment.
Health is not only the absence of disease, but also a state of physical, psychological and social well-being. A very broad concept the truth, but the truth is that if in any of these fields we find ourselves wrong, it is time to look for the appropriate specialist. Here you will find all hospitals in Welshpool, in United Kingdom, to contact your specialist.
In Llandrindod Wells, a city located in United Kingdom, people can count on different hospital centers to attend their medical emergencies or their routine consultations with their specialist. If you want to contact one of these centers, look for them here.
If walking in Llanidloes, this beautiful city that is in United Kingdom, you had an accident of little importance but still requires urgent medical care, here in this guide you will find all the hospitals that are close to you.
The population of Knighton, United Kingdom has always relied on quality medical care from the surrounding hospitals. If you need to consult the contact information and geographical location of one of these hospitals, we are pleased to tell you that in Hospitalsworldguide you will find everything you need to know.
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The average person spends one hour and 42 minutes a week, or almost 92 days of their life in the bathroom. Although the kitchen or the master bedroom may be at the top of your list when buying a home, the bathroom shouldn't be far behind. From marble floors to showers that take over an entire wall, to in-home spas, these bathrooms will have you putting the bathroom at the top of your list when looking for a home.
This piece of paradise located on the oceanfront in Puerto Vallarta is called the Casa Papelillo; a custom designed estate in a private area nestled between a lush rainforest and the blue water of the Pacific Ocean. With high ceilings that open to living trees and clean modern lines that direct you to the ocean just outside, every aspect of Casa Papelillo harmonizes with its natural surroundings. The oversized bathroom has elements throughout that bring the outside in and an airiness that allows you to relax in a spa-like atmosphere at home. It even opens directly onto the patio.
This beautifully appointed Modern Farmhouse in Santa Monica is bright, white, and spacious. From the bedrooms, to the 4,730-square foot living space to the bathrooms, no detail has been over looked. In addition to the open kitchen, stone patio and BBQ area, this home has four en suite bedrooms. The master bath has a luxurious stone bathroom with a soaking tub, open glass shower and dual walk-in closets. This bathroom is definitely a place to take some "me" time.
This historic Richard Sundeleaf designed Oswego lakefront estate is on nearly two private acres. Beyond the gated entry, you will find an exquisite home that holds the charm of past years, but has all of today's amenities. In addition to the meticulous landscape, private dock, patio with a fireplace, guest house, and gourmet kitchen, this home has a spacious bathroom with gorgeous marble and elegant details. It's a bathroom that feels more like a spa and is as much a highlight as all the other amenities.
This custom built modern craftsman-style home has five bedrooms, gourmet kitchen with oversized island, four guest rooms, library/den/office and large covered outdoor living area with a fireplace. The icing on the cake is the large master suite with an oversized walk-in closet and a bathroom that one could spend days in. This elegant generous en suite has a huge shower, a stand-alone soaking tub, and separate his and hers sinks. It is truly a paradise and a room not to be missed.


I am great, everything always works out for me, I succeed, I am likable, I make great choices, I move forward with ease.
The second audio program in the I AM series promotes confidence and good decision making. In a time when young teenagers are having to prepare for some of life's biggest changes in moving from middle school to high school, the pressure to fit in, act older and be accepted is immense. This program builds and supports their neural pathways to find ease in preparing for these transitions. the I AM Technique for 11-15 yrs. creates and supports confidence in moving through those experiences, as well as restoring the self esteem to create healthy boundaries and feel good about themselves.


Looking for a new home in Carolina Reserve? It is a great time to buy real estate in Carolina Reserve and our site is a great place to begin your search. You can check out Carolina Reserve schools, market statistics, the latest listings and more. Whether you are a first-time home buyer or you are already familiar with the home buying process, you can be assured that you have the best tools and the perfect advisor available to help with your Carolina Reserve home search.
There are currently 14 Homes for sale in Carolina Reserve. The average price for Carolina Reserve properties is $285,546which is 45% lower than all Homes within a 20 mile radius. The highest priced property in Carolina Reserve is $320,000 while the lowest priced Home is listed at $250,000. Most of the properties available in Carolina Reserve are Homes . Compared to last month, the average price of real estate in the area has gone up 100%.


Table decoration with flowers creates a natural environment around the party. Flowers implies beauty and soft nature and it best suits for the girls birthday party.
Always prefer natural flowers of different colors. Decorate the table edges with floral garland. Spread the table with artificial green grass mat. Place a floral shaped cake and decorate the table with a bunch of mini cute red rose buds.
For long dinner table, place flower vase in the center and place bouquet flowers. Also go for floral lightened lanterns on the dinner table. Place a tray with water over the table and float some cute rose petals of different colors. This makes the party table beautiful and makes a memorable birthday party for your guests.


Was in the shower before (how many of my blogs start like this???) and talking to my baby under the hot water, telling him how he's safe and how he has three older brothers and a dad and a mum who are going to watch out for him, and he won't be alone like he was before, and then it was like he goes, "Remember that dream, the dream you forgot about on Thursday when she asked you if you'd dreamed about me..."
Bloody hell, that was a bit blunt, hey?
Yes, that's right, all alone!
And suddenly the dream makes perfect sense! And I was able to reassure him that that won't happen! I'm having him at home, and if for any reason he needed to be in special care, I would not leave him, I would be right there! I'd be insisting on lots of kangaroo care and I wouldn't leave him, but that's not even going happen! The dream wasn't about my fears, they were about his!
Maybe I forgot the dream so that I could remember it later and see all these jigsaw pieces fall into place!
WOW!! That is just awesome..that's one connected little dude you have there! I'm just grinning at the utter awesomeness. I cannot wait to meet him!


Those who know not and know not that they know not is a fool, shun them.
Those who know not and know that they know not can be taught, teach them.
Those who know and know not that they know is asleep, wake them.
Those who know and know that they know are a prophet, follow them.
Those who know and don't make a big ole deal of it are fun to hang around, hang around them more.


Rehabilitation Services Repairs that address emergencies, code violations and health and safety issues for low- and moderate-income homeowners.
Summer Food Services Program Just as learning does not end when school lets out, neither does a child's need for good nutrition.
Download an application for assistance and a lead hazard information pamphlet.


Imagine waking every morning and walking out of your front door to see a landscape of mountains of plastic rubbish, streams of rotting waste and a stench so repugnant that you could catch disease with just one sniff. Not exactly the best start to the day is it?
In the African slum of Kibera there is no choice for the 800,000 inhabitants but to live this way. There is no council collection to haul rubbish away each week nor a garbage tip to travel to dispose of unwanted material. Waste simply accumulates wherever there is the space to dump it, making for a pretty filthy, disease born place to exist.
What a brilliant invention then, to design a facility that destroys toxic waste, heats water, help feed the poverty stricken and save woodlands. Nairobi architect Jim Archer has invented a "Community Cooker" that does just this. Rubbish is gathered, dried and then fed into a 650 Celcius furnace - hot enough to destroy toxins in the plastics.
The Community Cooker has a tall chimney that carries away toxic fumes. It could reduce small rubbish fires on the side of the road that spread pungent, toxic smoke contaminating food stalls on the street. Those who can't afford kerosene for their own stoves would have somewhere to safely burn their waste, cook their meals and boil water. Cleaning up the streets would also improve sanitation, reducing diseases like cholera. Some people have to travel two weeks by donkey to collect firewood. Burning rubbish instead of wood also protects woodland and saves the tiresome journey.
Although the Community Cooker is just a prototype, the Red Cross are hoping to build another 8 before the end of the year and 100 next year depending on funding. To donate simply visit the Red Cross website and follow the links.


Amortization: The repayment of a mortgage loan by installments with regular payments to cover the principal and interest.
Application: A form, commonly referred to as a 1003 form, used to apply for a mortgage and to provide information regarding a prospective mortgagor and the proposed security.
Assumption: The transfer of the seller's existing mortgage to the buyer.
Biweekly Payment Mortgage: A mortgage that requires payments to reduce the debt every two weeks (instead of the standard monthly payment schedule). The 26 (or possibly 27) biweekly payments are each equal to one-half of the monthly payment that would be required if the loan were a standard 30-year fixed-rate mortgage, and they are usually drafted from the borrower's bank account. The result for the borrower is a substantial savings in interest.
Bridge Loan: A form of second trust that is collateralized by the borrower's present home (which is usually for sale) in a manner that allows the proceeds to be used for closing on a new house before the present home is sold. Also known as "swing loan."
Cap: A provision of an adjustable-rate mortgage (ARM) that limits how much the interest rate or mortgage payments may increase or decrease.
Cash-Out Refinance: A refinance transaction in which the amount of money received from the new loan exceeds the total of the money needed to repay the existing first mortgage, closing costs, points, and the amount required to satisfy any outstanding subordinate mortgage liens. In other words, a refinance transaction in which the borrower receives additional cash that can be used for any purpose.
Certificate of Eligibility: A document issued by the federal government certifying a veteran's eligibility for a Department of Veterans Affairs (VA) mortgage.
Closing: A meeting at which a sale of a property is finalized by the buyer signing the mortgage documents and paying closing costs. Also called "settlement."
Closing Costs: Expenses (over and above the price of the property) incurred by buyers and sellers in transferring ownership of a property. Closing costs normally include an origination fee, an attorney's fee, taxes, an amount placed in escrow, and charges for obtaining title insurance and a survey. Closing costs percentage will vary according to the area of the country.
Closing Statement: Also referred to as the HUD1. The final statement of costs incurred to close on a loan or to purchase a home.
Co-maker: A person who signs a promissory note along with the borrower. A co-maker's signature guarantees that the loan will be repaid, because the borrower and the co-maker are equally responsible for the repayment. See endorser.
Commitment Letter: A formal offer by a lender stating the terms under which it agrees to lend money to a home buyer. Also known as a "loan commitment."
Common Areas: Those portions of a building, land, and amenities owned (or managed) by a planned unit development (PUD) or condominium project's homeowners' association (or a cooperative project's cooperative corporation) that are used by all of the unit owners, who share in the common expenses of their operation and maintenance. Common areas include swimming pools, tennis courts, and other recreational facilities, as well as common corridors of buildings, parking areas, means of ingress and egress, etc.
Community Home Improvement Mortgage Loan: An alternative financing option that allows low- and moderate-income home buyers to obtain 95 percent financing for the purchase and improvement of a home in need of modest repairs. The repair work can account for as much as 30 percent of the appraised value.
Comparables: An abbreviation for "comparable properties"; used for comparative purposes in the appraisal process. Comparables are properties like the property under consideration; they have reasonably the same size, location , and amenities and have recently been sold. Comparables help the appraiser determine the approximate fair market value of the subject property.
Consumer Reporting Agency (or Bureau): An organization that prepares reports that are used by lenders to determine a potential borrower's credit history. The agency obtains data for these reports from a credit repository as well as from other sources.
Conventional Mortgage: A mortgage that is not insured or guaranteed by the federal government.
Corporate Relocation: Arrangements under which an employer moves an employee to another area as part of the employer's normal course of business or under which it transfers a substantial part or all of its operations and employees to another area because it is relocating its headquarters or expanding its office capacity.
Cost of Funds Index (COFI): An index that is used to determine interest rate changes for certain adjustable-rate mortgage (ARM) plans. It represents the weighted-average cost of savings, borrowings, and advances of the 11th District members of the Federal Home Loan Bank of San Francisco.
Credit History: A record of an individual's open and fully repaid debts. A credit history helps a lender to determine whether a potential borrower has a history of repaying debts in a timely manner.
Credit Report: A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. See merged credit report.
Effective Age: An appraiser's estimate of the physical condition of a building. The actual age of a building may be shorter or longer than its effective age.
Encumbrance: Anything that affects or limits the fee simple title to a property, such as mortgages, leases, easements, or restrictions.
Equity: A homeowner's financial interest in a property. Equity is the difference between the fair market value of the property and the amount still owed on its mortgage.
Escrow Account: The account in which a mortgage servicer holds the borrower's escrow payments prior to paying property expenses.
Escrow Collections: Funds collected by the servicer and set aside in an escrow account to pay the borrower's property taxes, mortgage insurance, and hazard insurance.
Escrow Payment: The portion of a mortgagor's monthly payment that is held by the servicer to pay for taxes, hazard insurance, mortgage insurance, lease payments, and other items as they become due. Known as "impounds" or "reserves" in some states.
Fannie Mae: A congressionally chartered, shareholder-owned company that is the nation's largest supplier of home mortgage funds.
Fannie Mae's Community Home Buyer's Program: An income-based community lending model, under which mortgage insurers and Fannie Mae offer flexible underwriting guidelines to increase a low- or moderate-income family's buying power and to decrease the total amount of cash needed to purchase a home. Borrowers who participate in this model are required to attend pre-purchase home-buyer education sessions.
Finder's Fee: A fee or commission paid to a mortgage broker for finding a mortgage loan for a prospective borrower.
Foreclosure: The legal process by which a borrower in default under a mortgage is deprived of his or her interest in the mortgaged property. This usually involves a forced sale of the property at public auction with the proceeds of the sale being applied to the mrotgage debt.
Good Faith Estimate: An estimate of charges which a borrower is likely to incur in connection with a settlement.
Hazard Insurance: Insurance protecting against loss to real estate caused by fire, some natural causes, vandalism, etc., depending upon the terms of the policy.
Housing Ratio: The ratio of the monthly housing payment in total (PITI - Principal, Interest, Taxes, and Insurance) divided by the gross monthly income. This ratio is sometimes referred to as the top ratio or front end ratio.
Index: A published interest rate to which the interest rate on an Adjustable Rate Mortgage (ARM) is tied. Some commonly used indeces include the 1 Year Treasury Bill, 6 Month LIBOR, and the 11th District Cost of Funds (COFI).
Lien: An encumbrance against property for money due, either voluntary or involuntary.
Lifetime Cap: A provision of an ARM that limits the highest rate that can occur over the life of the loan.
Loan to Value Ratio (LTV): The ratio of the amount of your loan to the appraised value of the home. The LTV will affect programs available to the borrower and generally, the lower the LTV the more favorable the terms of the programs offered by lenders.
Margin: The number of percentage points a lender adds to the index value to calculate the ARM interest rate at each adjustment period. A representative margin would be 2.75%.
Mortgage Disability Insurance: A disability insurance policy which will pay the monthly mortgage payment in the event of a covered disability of an insured borrower for a specified period of time.
Mortgage Insurance (MI): Insurance written by an independent mortgage insurance company protecting the mortgage lender against loss incurred by a mortgage default. Usually required for loans with an LTV of 80.01% or higher.
Mortgagee: The person or company who receives the mortgage as a pledge for repayment of the loan. The mortgage lender.
Mortgagor: The mortgage borrower who gives the mortgage as a pledge to repay.
Non-Conforming Loan: Also called a jumbo loan. Conventional home mortgages not eligible for sale and delivery to either Fannie Mae (FNMA) or Freddie Mac (FHLMC) because of various reasons, including loan amount, loan characteristics or underwriting guidelines. Non-conforming loans usually incur a rate and origination fee premium.The current non-conforming loan limit is ,601 and above.
Note: A written agreement containing a promise of the signer to pay to a named person, or order, or bearer, a definite sum of money at a specified date or on demand.
Origination Fee: A fee imposed by a lender to cover certain processing expenses in connection with making a real estate loan. Usually a percentage of the amount loaned, such as one percent.
Planned Unit Developments (PUD): A subdivision of five or more individually owned lots with one or more other parcels owned in common or with reciprocal rights in one or more other parcels.
PITI: Principal, interest, taxes and insurance--the components of a monthly mortgage payment.
Points: Charges levied by the mortgage lender and usually payable at closing. One point represents 1% of the face value of the mortgage loan.
Prepaids: Those expenses of property which are paid in advance of their due date and will usually be prorated upon sale, such as taxes, insurance, rent, etc.
Prepayment Penalty: A charge imposed by a mortgage lender on a borrower who wants to pay off part or all of a mortgage loan in advance of schedule.
Principal: Amount of debt, not including interest. The face value of a note or mortgage.
Private Mortgage Insurance (PMI): Insurance provided by nongovernment insurers that protects lenders against loss if a borrower defaults. Fannie Mae generally requires private mortgage insurance for loans with loan-to-value (LTV) percentages greater than 80%.
Qualifying Ratios: The ratio of your fixed monthly expenses to your gross monthly income, used to determine how much you can afford to borrow. The fixed monthly expenses would include PITI along with other obligations such as student loans, car loans, or credit card payments.
Rate Cap: A limit on how much the interest rate can change, either at each adjustment period or over the life of the loan.
Rate Lock-In: A written agreement in which the lender guarantees the borrower a specified interest rate, provided the loan closes within a set period of time.
Rebate: Compensation received from a wholesale lender which can be used to cover closing costs or as a refund to the borrower. Loans with rebates often carry higher interest rates than loans with "points" (see above).
Residential Mortgage Credit Report (RMCR): A report requested by your lender that utilizes information from at least two of the three national credit bureaus and information provided on your loan application.
Seller Carry Back: An agreement in which the owner of a property provides financing, often in combination with an assumed mortgage.
Survey: A print showing the measurements of the boundaries of a parcel of land, together with the location of all improvements on the land and sometimes its area and topography.
Tenants-In-Common: An undivided interest in property taken by two or more persons. The interest need not be equal. Upon death of one or more persons, there is no right of survivorship.
Title Search: An investigation into the history of ownership of a property to check for liens, unpaid claims, restrictions or problems, to prove that the seller can transfer free and clear ownership.
Total Debt Ratio: Monthly debt and housing payments divided by gross monthly income. Also known as Obligations-to-Income Ratio or Back-End Ratio.
Veterans Administration (VA): A government agency guaranteeing mortgage loans with no down payment to qualified veterans.


When choosing an accountant, it is important to choose a firm which has in-depth knowledge of IR35 and intermediaries legislation.
A good accountant will be able to explain the financial consequences of falling inside IR35, and what measures contractors should take to comply with the rules.
Firstly, and most importantly, both your contract and working practices must demonstrate that you fall outside IR35, and that you are not merely a 'disguised employee'. We offer our clients a professional contract review service which examines all the terms of a contract and advise accordingly.
This provides our clients with added peace of mind. However, additionally our clients can take out IR35 insurance to cover the costs of a potential HMRC investigation.
With specialist reviews and ongoing professional development within this area at 3 Sixty Accountants, we continually ensure we are both aware of all recent developments and offer the specialist advice our clients deserve.


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Royal Shrewsbury Hospital
District General Hospital | Shrewsbury, United Kingdom
This hospital has previously supported PJ and Famulatur placements.
The Royal Shrewsbury Hospital (RSH) provides inpatient, outpatient and day case services. The hospital is located on the outskirts of Shrewsbury and is easily accessible for the people in the local area, including Wrekin, mid Wales, an area which the hospital also serves. Co-located with the hospital is the Hamar Centre, which provides drop-in services, counselling and information for patients with long-term conditions such as Cancer.
Services include general and acute medicine, cardiology, general surgery, urology, gynaecology, critical care, trauma & orthopaedic services, paediatric services, emergency treatment, oncology and ENT (ear, nose and throat). RSH also provides inpatient and day case treatment for ENT, oral surgery, oncology, haematology, ophthalmology. It is also the location of the consultant-led maternity unit for the area (with a co-located midwife-led maternity unit) as well as the Shropshire and Mid Wales Fertility Centre.
The Royal Shrewsbury Hospital is managed by The Shrewsbury and Telford Hospital NHS Trust. Further information about The Shrewsbury and Telford Hospital NHS Trust is available from the Trust website.
This is a free preview of just some of the information we hold on Royal Shrewsbury Hospital.


The Humane Society of the United States (HSUS) was pretty busy this weekend in Nebraska. The group hosted a town hall meeting in Lincoln on Sunday. Unlike their meeting in South Dakota in August of this year, this one seemed to be open to the public, for the most part.
I had made plans to attend this meeting, as curiosity was getting the best of me since their CEO Wayne Pacelle would be in attendance in the flesh. However, my plans to attend did not happen thanks to our lovely South Dakota weather and the freezing drizzle we received.
It sounds as though agriculture was well represented at the gathering as many tough questions were asked of Wayne. I was told University of Nebraska ag students had some good questions for Wayne and like any good politician, he did his best to avoid directly answering them.
I was very disappointed to hear a farmer was going to be hosting Wayne Pacelle and his group for this town hall meeting. The farmer hosting HSUS is a Nebraska organic producer who has been a critic of today's agricultural practices.
I first want to make this very clear: I do NOT have an issue with anyone who wants to venture into the organic market. Luckily we live in America where consumers have many choices including purchasing organic products. I do, however, have a problem with anyone who claims one method of production is better than another or who jumps at a chance to demonize another production method and other farmers and ranchers.
By siding with HSUS, this farmer is saying that "what I do and how I raise my livestock and crops is better than any conventional method, and I do not care what happens to other producers."
HSUS knows in a rural state like Nebraska where agriculture is the backbone, the only way to win a ballot measure is to divide and conquer. If one group is busy dissing and insulting the next, they think they can slip by. By pinning organic farmers against others, HSUS can use this as an advantage when talking to urban folks by saying we have the support of farmers and ranchers. This is far from the truth.
You may be asking, why would this organic farmer want to side with HSUS? Simple: he does not see how HSUS will be threatening his livelihood in the near future. In the states that HSUS has proposed ballot measures -- Florida, Ohio, California and Michigan - there are restrictions on livestock housing such as cages for chickens or gestation stalls for hogs. This organic farmer does not use any of these methods of production. I won't debate why most farmers use these methods and the science that supports them. Perhaps these are blog topics for another day.
The point is that this farmer may not see a direct impact on his operation; the time will come when HSUS goes even further and tries to push even harsher restrictions which will affect him. HSUS will not stop at housing, their end agenda is a vegetarian/vegan society. They even want our pets to eat vegetarian. There are quotes after quotes of HSUS officials supporting the idea of not using any animal products.
Let's not let HSUS succeed with the idea of divide and conquer. They say there isn't a ballot initiative in the works, but the town meeting in Lincoln is a high profile activity that generated a number of media articles and even a billboard.
In South Dakota, we may think that HSUS will never target us. Unfortunately, that's what our colleagues in Ohio, Missouri and Nebraska thought, too. It may be two years, five years, or ten years away, but with their newly hired HSUS State Director and their track record of traveling state to state with their $100 million dollar budget, the day will come when they try to restrict and abolish animal agriculture in our state.
The Nebraska meeting is an important reminder of what we in agriculture need to be doing every day: telling our story, whenever the opportunity presents itself. We need to be proactive every day in talking about why we use certain production methods and how we care for our livestock and the environment.


BioNet-Asia Co. Ltd is a vaccine company focused on technological innovation and market access. With a global market reach and network expertise, BioNet has created several strategic alliances fostering vaccine self-reliance leading to the production and supply of billions of doses of vaccines on all continents.
In its state-of-the-art vaccine plant in Thailand, BioNet is also building a unique expertise in genetic engineering, protein conjugation, cell-culture and vaccine formulation. The company has developed a broad pipeline with ten products in R&D and clinical stages, including vaccines and recombinant proteins such as CRM197 protein carrier, dengue and hepatitis B vaccines.
The company has transferred the technology to produce Hib meningitis vaccine which is now commercialized as a pentavalent vaccine in Asia. BioNet has recently filed a patent application for its new Recombinant Acellular Pertussis Vaccine which is now evaluated in clinical trial. BioNet is uniquely positioned as a major partner in technology transfer and market access globally.


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Three United States short track skaters finished in the top 10 of the women's 1000m event on Friday led by Kristen Santos, who nearly earned a spot on the podium for the first time.
Santos was in a fight for third place when she and Italy's Arianna Fontana went down after contact and slid into the padding. The 27-year-old from Connecticut dusted herself off and finished fourth while Fontana was penalized for a lane change that caused contact.
The American called the crash "heartbreaking" in an Instagram post after the race, but she shared a message of positivity, as well.
While (fourth) place hurts, I'm trying to channel this girl right here who knows she's strong and has all the power in the world to medal in her next race. 1,500 meters still to come and I'm more motivated than ever to have the results I know I'm capable of.
Kristen Santos
She received support from her American teammates.
Long track skater Joey Mantia commented, "Chin up, you know what you're capable of." Erin Jackson wrote, "Awesome job tonight! I believe in you."
A post shared by Kristen Santos-Griswold (@kristensantos)
Santos has another chance for a medal in the women's 1500m competition, which begins on Wednesday.
Corrine Stoddard and Maame Biney both reached the B Final on Friday. Stoddard, a 20-year-old from Seattle, Washington, crossed the line third. Biney, the 22-year-old who was born in Ghana and moved to the U.S. as a young child, finished fifth.
"I'm super excited about my results from today and proud of my (two) teammates," Stoddard wrote on Instagram.
Stoddard recorded the fastest third-place time in the quarterfinals to advance to the semifinals. She did so with a bandaged nose, which she broke during the 500m heats when she crashed into the padding.
A post shared by Corinne Stoddard (@c0rie815)
Biney won her heat on Wednesday and came in second place in her quarterfinal.
"I raced like I never have in these races, went the fastest I ever have in this distance, so I am on top of the world right now," Biney posted on Instagram.
A post shared by maame afua biney🦋 (@biney.biney)
The fourth U.S. short track skater to perform on Friday was Ryan Pivirotto, who qualified for the men's 500m quarterfinals with a third-place finish. The 26-year-old also took to social media after the event, but he did not talk about himself.
"These three ladies right here showed everyone that they are capable of competing with and taking over the world," Pivirotto wrote. "Everyone should hold their heads high with what they accomplished tonight. It truly shows the dedication they have."
Pivirotto next race is the 500m quarterfinal on Sunday.
The U.S. women will get one more 3000m relay in the B Final, which is also on Sunday.


He came, he ruled the silver screen and he has won our hearts all over again- That's what every Shah Rukh Khan fan is echoing today as the superstar is here with his new release Zero.
Unless you are totally oblivious to social media (in that case, congratulations), you must be knowing Mukesh Ambani's princess Isha is getting married.
Isha Ambani is all set to marry beau Anand Piramal on December 12 in one of the most opulent wedding ceremonies of the year.


Residents wishing to use public transit on statutory holidays have a selection of routes to choose from. The routes below have special schedules for statutory holidays. Please be advised, no other bus routes will be operating on those days.