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Home › Personal finance 2023
Is it possible to receive the funded part of the pension at a time
The concept of funded pension
Who is en titled to receive?
Possible ways to receive a pension
2018 lump sum payment
Issue rules
Calculation: example
Delivery of funded pension
Savings after the death of a pensioner
Features of payments to pensioners of the Ministry of Internal Affairs
Features of payments to working pensioners
Pros and cons of a funded pension
What happens when calculating?
Not all older people who have retired are aware of their rights to receive appropriate benefits. If, for example, they know what the funded part of a pension is, how to get this money right away is not clear. A lot of legislative acts have been adopted on the allowance. Therefore, it is not easy to deal with it. The article provides both general information regarding the pension and the possibility of receiving it as a one-time payment.
Receiving a lump sum payment from the funded part of the pension is one of the ways to return the money invested by a citizen earlier. This payment is formed at the request of the employee. By default, all deductions to the Pension Fund are directed to the insurance pension part.
A funded pension is a sum of money that belongs to a citizen. According to the law, he has the right to receive it when he goes on vacation by age. The right also appliesregarding heirs. This part can be paid in different ways. But most of all, pensioners are interested in the possibility of receiving the entire amount.
This issue can not always be resolved positively. The main condition for payment in general is that the corresponding part of the employer's deductions is sent to a special account. Also, money can be transferred there on a voluntary basis.
In recent years, pension laws have changed very frequently. Together with them, the settlement system was also updated. Citizens received the right to a one-time receipt of the funded part of the pension. The main laws governing this payment are as follows:
On the payment of accumulated pension contributions No. 360-FZ.
On the funded part of pension No. 424-FZ.
After the adoption, they have been amended more than once. This happened again in 2018. In accordance with the amendments, the decision on how much payment can be transferred in a lump sum is established by the PFR employees. This parameter, of course, is influenced by the amount of contributions, as well as all funds stored in the NPF (non-state pension fund).
The formation of savings is carried out from the following funds:
Deductible salaries 6% of contributions.
Cumulative shares under the co-financing program.
Uterine capital for a woman.
This year, get the funded partpensions at a time will be able to citizens who meet certain criteria established by the FIU. These include the following categories of persons:
disabled;
bereaved;
whose account received funds from 2002 to 2004. to form the corresponding part of the pension;
participating in the state co-financing program (who made the relevant contributions earlier);
those who managed to collect savings earlier, since the process was subsequently suspended;
whose savings is less than five percent of the insurance pension.
In addition to receiving the funded part of the pension at a time or in another way, a certain age is a prerequisite.
In addition to the way a pensioner can receive the funded part of the pension at a time, there are other payment options. These include the following:
Monthly in general order.
Monthly urgently.
The payment is urgently transferred to the pensioner during the period that he chooses on his own. However, this time cannot be less than 10 years. This payment procedure is possible when a citizen reaches retirement age (including in case of early retirement).
Urgent payment is accrued to citizens who participated in the state co-financing program or formed savings using the following funds:
their contributions;
employer contributions transferredearly;
additional amounts transferred by the state under the co-financing program;
accrued as a result of income received;
additional money in the form of mother capital, as well as from the profit received from investing in profitable projects.
For several years now, it has not yet been possible to apply to send 6% of the employer's contributions to one's own savings. But for those who managed to do it earlier, the right to receive the corresponding share remains. Therefore, for him, the question of how a pensioner can receive the funded part of the pension at a time is relevant.
Issuance is carried out on the basis of the following regulations:
PP RF №1047.
Only citizens who receive a disability pension can also count on the funded part of the pension. How to receive a lump sum of these funds for a disabled person is described below. The method is common to all categories of citizens.
But the main number of recipients are pensioners by age. If funds are required by these individuals, then there are certain conditions that must be met. These include the following:
Retirement age (during the pension reform period, it changes from year to year until women reach 60 and men reach 65).
The presence of relevant experience (before the reformit was only 5 years old, after its implementation it will increase to 15 years), as well as the number of points (by the end of the reform, there should be 30).
Filing an application to receive the funded part of the pension at a time.
It happens that as a result of consideration of the application, the employees of the FIU refuse to pay. At the same time, they must certainly justify such a decision by expressing it in writing and sending a corresponding notification to the applicant's address.
In general, the process of receiving funds is as follows:
Preparation of necessary documents.
Filing them with an appropriate application.
Waiting for a decision.
Waiting for the receipt of funds in case of a positive outcome.
Together with the application, you will need to provide the following documents to receive the funded part of the pension at a time:
Passport.
SNILS.
Certificate of payment transfer from the Pension Fund of the Russian Federation.
Other papers confirming this right.
If a proxy acts instead of the applicant, then, among other things, a power of attorney to perform these actions, certified by a notary, will be required. You also need to present an ID. In addition, other documents may be required.
They are submitted to the FIU or NPF, where the relevant funds of the pensioner are stored. Copies can also be mailed.
NPF specialists should consider the relevant application inwithin 1 month. With a positive decision, receiving the funded part of the pension immediately is not always possible. The law allows NPF employees to do this within the next 2 months. Thus, it can take up to 3 months from the moment you apply for the funds to be received.
In addition, you need to consider that applying for a one-time payment also has restrictions. It is allowed to submit a corresponding application no more than once every 5 years.
According to statistics, a one-time amount is never high. Usually in the FIU it ranges from 5 thousand rubles. up to 15 thousand rubles Payment of 20 thousand rubles. can only be transferred to NPFs.
You can find out the appropriate amount yourself by making simple calculations. In this case, the following formula is used: LF=PN / PPV, where
LF - cumulative part;
PN - pension savings;
PPV - the period of pension payment.
It is most convenient to clarify the data on the PFR website by logging into your personal account, or on the electronic portal of the State Services in the same way. You can also go to the territorial office of the FIU and consult there.
It is not necessary to receive the funded part of the pension at a time immediately after going on vacation. This can be done later, but no later than five years.
It is convenient to find out what size the pension will be after going on vacation, using the following example. Upon reaching the appropriate age, a citizen Ivanova P. M. applied to the FIU.the moment of its accumulation amounted to the amount of 67,200 rubles. To calculate the amount of the monthly payment in the general order, you need to divide this amount by the number of months when the payment will be made. Let's say it's 240. Then the calculation will be as follows:
67 200 / 240=280.
The total pension, including the insurance and funded part, is: 6,929.5 + 280=7,209.5.
To find out the percentage of the pension, the following formula is applied: 280 / 7,209, 5100=3, 9.
3, 9% less than 5%. This means that a woman has the right to receive the entire amount in a lump sum.
A pensioner can choose the most convenient way to receive a lump sum payment of the funded part of the pension. Money can be transferred to a bank account, received at the cash desk, at the post office or delivered to your home. Most often, pensioners use the following methods:
Through mail. To do this, it is enough for a pensioner to come to any post office located nearby.
To a bank account. To do this, you should issue a card, and then cash out the money received through an ATM.
Delivery method must be specified in the submitted application. He can receive the money personally by presenting an identity card, or through a trustee.
The law provides for the conditions for receiving the funded part of the pension at a time for certain categories of citizens. In particular, this applies to heirs, since the funded payment, unlike the insurance pension,is inherited. But in this case, a number of nuances are taken into account.
The heirs will be able to receive the funded part if the pensioner has issued a basic pension. But only the untouched share that was accumulated in a separate account is transferred.
If a pensioner worked on a pension and received funds from a funded pension, simultaneously transferring contributions there, then the heirs will be able to receive funds without indexation.
However, they will not get the remaining amount if the deceased has already issued documents for the transfer in the usual manner. Then the money goes into the reserve fund. If the deceased issued them in the form of urgent monthly payments, then the heirs will be able to receive the rest.
Citizens who have retired from service in the Ministry of Internal Affairs receive an insurance pension with some features. If before March 2005 they were registered as in need of housing, then they should be transferred the corresponding amount of savings for the entire time they were in the service.
But working pensioners have nothing to please. As long as they continue to work in retirement, there can be no question of how to receive a lump sum payment of the funded part of the pension.
This system has both positive and negative sides. Therefore, when deciding to send money to the funded part, you should first think carefully andcount. The benefits of this pension are as follows:
Freedom of choice. The citizen himself decides how he will dispose of 6% of the mandatory contributions of employers. Making a decision once does not make him a hostage to it. He can change his choice at any time at his discretion.
Profit opportunity. If the NPF turns out to be profitable, then the employee will be able to receive a higher percentage of income than in a state institution.
Inheritance. If the pensioner dies, then the remaining pension goes to the persons whom he indicated personally, or to the next of kin (in case of inheritance by law).
Insurance. By investing money, a person risks incurring losses. However, in the case of NPFs, the risk is reduced to a minimum, since the depositor will not be able to lose the money that he has invested. The most he can lose is a profitable part.
An increase in pensions. By investing the funded part in profitable activities, a citizen increases his future pension.
But in addition to all the advantages, the system has many disadvantages. These include the following:
Risks. If the funds remain in the FIU, then the citizen is guaranteed a small increase. This is due, in particular, to the annual indexations, which are made in accordance with inflation. If money is invested in NPFs, the risks increase significantly. Funds can only bring profit if the investment is successful.
Fraud. By investingmoney, a citizen should be extremely careful, since scammers can be caught among NPFs. Then there is a risk of losing all the money.
Insurance risks. If the depositor wishes to insure his risks, he has the right to increase the reserve by insurance. But this will require additional investment.
Loss of profits. It also happens that at the conclusion of the contract a certain period is prescribed. If the depositor decides to terminate the agreement, he risks losing all profits.
Commission. Something should be taken into account when applying for the funded part of the pension to be received in any NPF (for example, in Gazfond). How to get it - at a time or urgently - does not matter. In this case, a commission is charged for using the services of the NPF, which is also fraught with loss of profits.
Many people believe that when they reach retirement age, the funded part will make their pension much higher. However, this is not always the case in reality. The truth is that not everyone can be paid the full amount. And having received a small part of the payment, the next time you can apply with the same application no earlier than in five years. But the question is not only whether it is possible to receive the funded part of the pension at a time.
As a result, it turns out that the urgent or general payment will increase the pension in the most insignificant way. For example, if it is established for a period of up to ten years, then the amount will be about 500 rubles. – 1000rub.
Therefore, many experts advise to keep savings in the bank, and not save for savings in the NPF. In a banking institution, the deposit will grow taking into account the interest rate, and you can use the entire amount at any time at your discretion.
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粮农组织主页
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Sustainable food systems, food security and rural people capacity development
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Inter-Agency Technical Meeting on Broadening Coherence and Collaboration for Rural Development through Employment and Decent Work
5th APEAEN International Conference Theme: Enriching Agricultural Learning Process towards Sustainable Food Security
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Presentation of the book "Education for Rural People. The role of education, training and capacity development in poverty reduction and food security" at Federico II University
Presentation of the book "Education for Rural People. The role of education, training and capacity development in poverty reduction and food security" at CEIS in Rome
Seminar "Education for Rural People. The role of education, training and capacity development in poverty reduction and food security" at Roma Tre University
Presentation of the book "Education for Rural People. The role of education, training and capacity development in poverty reduction and food security"
Meeting with Pastoral Social Caritas Ecuador delegation
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Seminar "Rural education and food security" at the University "La Sapienza"
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GCHERA Executive Committee Meeting
新闻中的"农村人口教育
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Ca' Foscari University
San Giobbe Cannaregio
Department of Economics Venice, Italy
The University of Ca'Foscari of Venice invited the FAO ERP coordinator to a seminar organized in Venezia to share knowledge and experiences with a view of exploring possibilities of cooperation on Higher Education, Rural Development and Agriculture. In this context the FAO officer was also invited to present the FAO 2009 book "Education for Rural People: the role of education, training and capacity development in poverty reduction and food security".
1) About one hundred people attended the workshop and actively intervened to learn more about the capacity development concept and its relation with education and training for rural people, the relation between rural and human development as well as FAO and other UN agencies work. Several interveners contributed by mentioning their research and field experience on related issues. The seminar attracted a public pertaining to different faculties of the Venice University. The public was composed by PHD students, professors and researchers that came from very different backgrounds such as economics and rural development, demography, labour market, wealth, and contributed to shaping a rich interdisciplinary dialogue on capacity development for food security The power point presentation is divided in two parts: the first one introduces to the public the Rome Based Agencies mission and work on rural development and food security, and their cooperation. The second part focuses on an updated version of the ppt of the 2009 FAO ERP book, prepared for the G8. The power point presentation is periodically updated on the basis of the feedback received from the public during the previous seminars. This process, undertaken by the two authors of the book, is meant to provide part of the knowledge basis for a possible new concept paper taking stock of the inputs of different groups of stakeholders in and outside FAO
29 The mission identified, in cooperation with relevant academic staff of the University of Ca' Foscari of Venice, the following potential areas for starting a dialogue with the FAO officers - through the Inter-Departmental Task Group on Training for Technicians for Capacity Development (TGTTCD) - and possible future cooperation:
• Economics of Rural Development;
• Agricultural markets and firms
• Economics of rural firms
• Economics and management of rural and agro industrial firms
• Sustainable tourism with particular focus on fishing tourism in developing countries
These areas correspond to the international degree and master courses in Economics run by the Associated Professor Bruna Zolin - at the Ca Foscari University Department of Economics in its siege in Venice and in Portogruaro – as well as to her main areas of research. These are, in addition to the topics already mentioned, among others, issues relevant to the FAO mission and specifically: sustainable development; development cooperation; and geographic information systems. Professor Zolin expressed strong interest in liaising with FAO officers working on the areas of common interest, to explore possibilities of academic and research cooperation. She expressed the wish to invite specific FAO experts in future relevant academic courses
The areas indicated above reflect also the interest of cooperating with FAO of Mr. Francesco Vallerani, professor of Geography, which research focuses, among other issues, on Sustainable Tourism in Developing Countries, including a project of Fishing Tourism ("Pesca-Turismo") in Guinea Bissau
3) The University of Ca Foscari has joined ERP as a new member. The Rector, Professor Carlo Carraro, of the University of Ca' Foscari, signed in person the membership of to FAO led ERP Partnership with the intent -as explained .by Professor Zolin - to indicate how important the University considers the cooperation with FAO and ERP and the wish to see this cooperation developing in the near future. The University of Ca' Foscari is ERP member number 402
(4) It was agreed that the ERP Partnership will include in the ERP tool kit the learning material produced by the University
5) The possibility of organizing a 2011 joint workshop at FAO was discussed
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Advent: Listening for the Still, Small Voice
Regardless of your religious orientation, I think everyone needs Advent: four weeks a year dedicated to quieting the mind enough to be able to slowly hear the still, small voice within. A month of turning inwards to find the message in the growing darkness: a time of letting go, of listening more deeply. Advent is a time to focus on waking up, staying conscious and paying attention.
Like so many children, I loved having an Advent calendar. Every day, I eagerly opened the tiny numbered window to reveal the chocolate or picture or message hidden within. This year, I am going to create my own advent calendar to share with you, my dear readers: an expression of the themes of Advent through poetry, stories, art and music. To begin, an excerpt from T.S. Eliot's "East Coker":
I said to my soul, be still and wait without hope,
for hope would be hope for the wrong thing;
wait without love, for love would be love of the wrong thing;
there is yet faith, but the faith and the love are all in the waiting.
Wait without thought, for you are not ready for thought:
So the darkness shall be the light, and the stillness the dancing.
A Blessing to Give Thanks
As the dawn rises today to greet the morning,
so, too, may your own heart awaken to meet the joy which awaits you.
May you have the presence of mind to feel
each gentle breeze, each shower of rain, each kiss of sunshine
as the blessing it truly is.
May your heart expand today to hold the memory
of all the love it has known:
The tender touch of friendship
The fervent heat of passion
The soothing balm of kindness
The abundance of unearned grace.
May you have the eyes to behold today
the reckless beauty of the eternal
woven into the tapestry of creation,
pouring forth from sea and sky
moonlight and meadow,
symphony and psalm.
In the hubub of the day's frantic tasks,
may you remember what most nourishes your being,
and return to the breath, the wonder and the gratitude that
illuminates the journey of your years.
As you travel through this day,
may you stretch forth your courage to
embrace the unexpected, so that
wherever you may find yourself,
you will find yourself deeply and gratefully
-Kayleen Asbo
I wrote the blessing above today in homage to the great Celtic poet John O'Donahue. Every morning, I read from his gorgeous book To Bless the Space Between Us and then take a few minutes of silence to watch the sun rise over Mount Tamalpais until the birds are in full chorus with their own symphony. This has been one of the practices that has most opened my own heart this year and helped me plant my feet more deeply in the garden of gratitude. John urges us to take every opportunity to pause for a moment of wonder, to appreciate the fullness of even the dark and difficult moments of life, to bless the whole journey at every step.
Both Hands Full: J.S. Bach , Rumi and the Well Tempered Clavier
William Blake encouraged us to embrace spiritual maturity by holding both hands full: one full of grief, the other full of joy and gratitude. J.S. Bach is one of the wisest guides to being able to do just that. Orphaned by the age of 10, Bach endured a lifetime of unimaginable loss, burying eleven children before he died. And yet, he never lost the capacity for joy and exultation. Bach gathered his remaining brood of nine musical children to sing and dance and tell stories and make jokes; his humble home was a place of wanton generosity and hospitality for visiting composers and friends. The later part of his career found him establishing a community concert series in a local cafe in Leipzig and for which he composed and performed the delightfully silly "Coffee Cantata".
In July of 1720, Bach left his beloved pregnant wife at home in Cothen in order to compose and perform music at the summer residence of his employer, Prince Leopold. He returned two months later (sans cell phone or internet technology), stunned to find four bereft children in mourning for their mother: Maria Barbara was dead and already buried.
At the baptismal font of Cothen a year later, a young golden-haired soprano stood next to Bach. Together, the two recited vows to serve as the godparents for the rosy cheeked infant of their mutual friend. Soon, Anna Magdalena Wieck and Johann Sebastian were making music together, and by December of 1721, they were married. A stage of astonishing musical fecundity followed in which the Cello Suites, Violin Concertos and many of the masterpieces of keyboard literature poured forth ( A current media debate hinges on the question of whether Anna Magdalena merely inspired and helped copy out this outpouring of works, or may perhaps have had a hand in actually composing it. For more information on this provocative issue, see the October 2014 article in the New Yorker at http://www.newyorker.com/culture/cultural-comment/case-mrs-bach).
How did Bach not just survive, but actually thrive in the midst of a life filled with so much grief? How was he able, after the anguish of so much death, to still open up to the possibility of new life, new hope, new love, new joy? I am not sure, but I suspect it had something to do with a radical surrender to all that life had to offer, both in the moments of intoxicating sweetness and passion and in the bitter dregs of defeat and despair.
One of the greatest works to emerge following Bach's second marriage was the Well Tempered Clavier, Book One . I believe it would have been better named The Encyclopedia of Emotion. Written in 1722, it is a musical compendium of astonishing scope, alternating freely- formed Preludes and tightly constructed Fugues in a succession of light and dark color palettes. For this work, Bach has been justly celebrated as the first composer to write music in every key, even such "impossible" and thorny key signatures as C# Major and eb minor Beyond dazzling us with such technical expertise, however, the Well Tempered Clavier should move us with what such effort signifies: a radical acceptance of the full spectrum of human experience. In Bach's time, each key was associated with an emotional state. The darker palette of minor colors ranged from "solemn and introspective" f minor to "funereal and even suicidal" Bb minor, while the brighter major keys range from "simple and serene" C Major to the "unbridled and energetic joy" of Bb major. Many of these keys were thought not only to be unplayable ( because of the number of sharps and flats), but were viewed as downright distasteful, being too morbid or bizarre to listen to . Yet Bach uses them all. There is no key he will not explore, no musical emotion he will not give voice to. The quick alternation of dark and light, suffering and solace, despair and delight is truly one of the most profound works of alchemy every crafted: a total embrace of the tension of the opposites. I believe that the Well Tempered Clavier gives musical expression to a theme the 13th century Persian poet Rumi evoked in the following poem:
-- Jelaluddin Rumi,
This Thanksgiving, I wonder if we can, like Bach and Rumi, give thanks for it all, for the whole glorious tragedy, the entire bittersweet and beautiful catastrophe of being human.
Both Hands Full: Thich Nhat Hanh
Carl Jung believed that the most dangerous capacity within humanity was the tendency to become one-sided. The refusal to acknowledge the inevitable messiness of ourselves and life itself can give rise to a ruthless judgmentalism that murders vitality. "The perfect is the enemy of the good", wrote Voltaire. So often in our search for perfection, monsters are born. I think of teenaged girls I have known who have starved themselves to the point of death in a search for a physically impossible ideal. I think of cherished friends who still carry the burden of shame for misspelling a word or peeing in their pants as children. I think of the adults who sat trembling on the piano bench of my music studio as long-buried memories of their knuckles being wrapped with rulers for playing a wrong note washed over them and froze their ability to play. The political and religious leaders whose quest for perfection led to such horrors as the Final Solution of Nazi Germany and the Spanish Inquisition illustrate how dangerous the capacity for one-sidedness truly is. When we believe that anything or anyone is all good or all bad , a tyrannical consciousness arises that at best, blinds us to messy beauty of reality and at worst, imposes a cruel dictatorship that creates a hell on earth.
The great wisdom teachers have a capacity to honor and hold the paradox of both sides of life: it beautiful and brutal, harsh and sublime, full of unbounded grace and devastating heartbreak. Inside each of us is both the sinner and the saint, a sage and a fool. Thich Nhat Han, Buddhist teacher and survivor of the horrors of the Vietnam War, exquisitely conveys this idea in his poem "Call Me By My True Names" when he urges us to identify with both victim and victimizer, urging us to name the totality of human experience and acknowledge the intense interweaving of joy and pain.
Below is a videotape made of Thich Nhat Hanh reading his poem. As you listen to it, hold this dear man in your own compassionate heart: he lies in a hospital in France where he is recovering from a brain hemorrhage.
Paying Attention to Beauty
This past week, I finished my latest class on Dante, suggesting that the pivotal question of Heaven is not "How good have you been?" but, "How much beauty can you bear?". All too often, we stumble and stagger through our days, so preoccupied with our own internal dramas and anxieties that we are blind and senseless to all the amazing things around us. I left my class with this challenge to my students: increase your own capacity for beauty. Today, start by noticing one thing in your world that is truly beautiful, Tomorrow, find two, The next day, three. And so on. I've found that the more I demand that I pay attention and actively look for the beauty around me, the more there is to see: the waves of fog rolling over the gold and green mountain I live on, the hummingbird's feathers as they shiver with the delight of sipping nectar from the red passion flower vines, the sound of the lone owl late at night, the way the rosy sun kisses the pine trees with morning light and they blush. The soft fur of my cat, Schubert, and the reckless way he throws love at me with his sloppy kisses and insistent purr. And so it goes, on and on and on, all to savor if only I can stop and breathe it in.
I think Mary Oliver says it best in the following poem:
Mindful
I see or hear
that more or less
kills me
with delight,
that leaves me
like a needle
in the haystack
of light.
It was what I was born for-
to look, to listen,
to lose myself
inside this soft world-
to instruct myself
in joy,
and acclamation.
Nor am I talking
about the exceptional,
the fearful, the dreadful,
the very extravagant-
but of the ordinary,
the common, the very drab,
the daily presentations.
Oh, good scholar,
I say to myself,
but grow wise
with such teachings
as these-
the untrimmable light
of the world,
the ocean's shine,
the prayers that are made
out of grass?
So, dear reader, I challenge you: how much beauty can you bear today?


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Issac Newton Morgan
Trimbelle, Pierce County, Wisconsin, USA
16 Aug 1949 (aged 86)
Warner, Lethbridge Census Division, Alberta, Canada
Warner Memorial Cemetery
Memorial ID
74676989 · View Source
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Suggested edit: Warner Pioneers 1900-1921
Newton Morgan lived in Warner during the early twenties. His wife was a very well educated woman of Navajo Indian descent, and had practised law in the eastern United States before her marriage. She had many beautiful relics of Indian origin. Mr. Morgan played the guitar very well, and was an excellent taxidermist. He was a great hunter, a good sportsman, and taught many local boys to shoot. He spent his last years in Warner, and is buried in the Warner Cemetery.
Personal note of the writer: Mr. Morgan was a friend of my father. He was a black man and very respected in our community. In full respect and friendship, he was referred to as N****r Morgan. He was a shoemaker by trade.
1939 Border Crossing source states that Newton became a Canadian Citizen in 1913
Milk River History "Under Eight Flags", page 1087
Lund, Art and Violet (Murphy)
Violet Friday Lund - Her father A.P. (Spud) Murphy..."Violet was born in Warner in 1915, but moved with her parents in 1921, to the horse ranch which was southwest of Milk River. Spud purchased the ranch from the Morgan's who had tried, unsuccessfully, to develop it as a hunting lodge in the hills of 1-17. Violet grew up among the stuffed animals and birds placed about the house by Mr. Morgan who was a taxidermist."
Introducing Isaac Newton Morgan: An Old Family Friend
In 1996, my son, Jacob, and I drove my parents to Calgary, Alberta, so my mother, Twila Ross Boundy, could see her sister, who was near death. On the way, we stopped to visit the town of Warner, Alberta, twenty miles north of the Canadian border where my mother grew up. After driving through the town, we drove to my grandparents' old farmhouse west of Warner, where my mother was born and lived until her marriage to my father. I brought along a tape recorder and interviewed her as she pointed out some of the homes and the few businesses which remained in this once thriving town. As we passed a small house, my mother explained:
The next house that we come to is kitty-corner from our old schoolhouse and this is where Morgan lived for years. In this day and age, it wouldn't be nice to call him Morgan, but that's the only name we ever knew. His wife died many years before, so I never really knew her. He lived by himself all the time and he was dearly loved by everybody in town. In fact, I don't think my mother ever baked a loaf of bread that she didn't send one in to Morgan. I used to take him a gallon of buttermilk about once a month, and he'd always pay me. Sometimes I was late for school because I took it over. I think the buttermilk was probably 50 cents or something like that and he always gave me a nickel tip. That meant quite a bit in those days because I could get quite a bit of candy for a nickel. Years later my cousin, Phyllis Ross Dickson, went out to the cemetery in Warner and found Morgan's grave. It just said Morgan on a wooden plaque on his grave, and so, bless her heart, she was kind enough that she had a tombstone made and had it put on his grave. I think some way or another she found out his full name and had it put on. I think that's a wonderful thing for an individual to do.
But in this case, the saving grace is the benediction cousin Phyllis pronounced when she gave the man back his name. To repeat the words of my mother's blessing: "I think that's a wonderful thing for an individual to do."
You pass the Warner Cemetery on the way to my grandparents' farm. We stopped and quickly located the gravestone, where we silently stood for a few moments, wondering about the man who was such a memorable presence in my mother's life..
After returning home, my mother shared with me a book, Warner Pioneers, 1900-1921, which contains descriptions of early Warner families. Some of the entries ran several pages, but the entry for "Mr. Newton Morgan" was among the shortest:
These few lines are apparently all that has ever been written about the life of this man. I subsequently made a small photo album of our 1996 trip to Warner for my mother, in which I assembled photographs and her descriptions of our visit to Warner, which she often enjoyed reviewing. When my mother died in 2006 I got her extensive scrapbooks and memorabilia, including the Warner photo album. But it wasn't until fourteen years later when I was going through her scrapbooks that my attention was forcefully turned back to the man I now knew as Isaac Newton Morgan. But this time I had an overwhelming yearning to know more about this black man, who lived and died alone in an otherwise white Canadian village. This paper is the result of my search.
A broad outline of Isaac Newton Morgan's life can be found on his family group sheet located at https://www.familysearch.org/tree/person/sources/G455-S85, which can be summarized as follows:
He was born on May 21, 1863 in Trimbelle, Wisconsin, the seventh of eight children born to Moses and Nancy Morgan. By the time of the 1870 US Census the family had moved 280 miles southeast to Troy, Wisconsin (37 miles from Milwaukee) where Newton (all his life he appears to have used "Newton" as his first name) appears as an eight year-old child. The family is identified as "mulatto." His father and mother's occupations are listed respectively as barber and "keeping house." They own their own home valued at $600 in a predominantly white neighborhood and the older children attend school. At age eighteen Newton appears in the St. Paul, Minnesota City Directory with his occupation listed as laborer. For the next twenty years or more he worked variously as a private coachman (responsible for driving and caring for his employer's horses and carriage), a clerk, a porter at the Hotel Ryan in St. Paul, a tinner (i.e. tinsmith) and a moulder (i.e. likely a person who operates an iron moulding machine).
On August 1, 1892, at age 29, Newton married Johanna Dorothea Lisette Liermann forty-five miles from Minneapolis across the Mississippi River in Wisconsin, near his birthplace in Trimbelle. "Jennie" Liermann was six years older than Newton, born in New York of German parentage. She had previously married Fred Wittenburg when she was sixteen. That marriage did not last and by 1885 she was again living with her parents in Minneapolis. She took back her maiden name, and had with her an 11 year old daughter named Lillian Wittenburg (or Whitenberg) when she and Newton were married. Curiously, on the 1895 Minnesota census both she and Newton are listed as "white." One speculates that the census interviewer met Jennie, but not Newton, and simply made a conclusion consistent with the racial attitudes of the day which could not countenance inter-racial marriage.
Newton's marriage to Jennie Liermann likely gave rise to a story I heard to the effect that Morgan "had stolen a white man's wife." Given the racist tenor of the time that allowed his nickname, it is not surprising that this story is more of the same. Regardless, this unreliable hearsay is itself grossly objectionable, first because it proceeds on the assumption that women are chattel and can therefore be considered stolen property. But even more importantly, it is embarrassingly notable that someone obviously found the race of the pair relevant to the telling.
Although no subsequent death or divorce record can be located for Jennie Liermann, in approximately 1898 Newton married a second time in Minneapolis to a woman with the first name of Ada. Beyond the brief Warner book's few line biography referenced above, little is known of Ada, except that she claimed a Canadian heritage of French descent on two Canadian census records. The couple immigrated to Canada in 1910 by train when Newton was 47 and Ada 43. The same year Newton applied for Canadian citizenship and filed for a homestead on the Milk River Ridge near Milk River, identifying Ada as his wife, with no children. The homestead encompassed ¾ of a section or 480 acres located deep inside the hills of Section 17, Township 1, Range 1700. Newton's signature below is from that homestead application.
Newton became a naturalized Canadian citizen in 1913 at age 50. Presumably because Ada was the daughter of a Canadian citizen, she qualified for birth citizenship and did not need to become naturalized. On various census records of both the United States and Canada Newton is variously identified as white, mulatto and Irish-American. Similar census records for Ada, who is described in the Warner book as of Native American descent, consistently describe her as white and of French ancestry. In the 1916 Canadian Census both he and Ada identify their religion as Episcopal.
Newton's Milk River homestead application and subsequent patent file are together a fountain of information concerning what in time came to be referred to as the Morgan Horse Ranch. In his application for a patent and deed to the property, Newton was required to submit proof that he had both lived on and improved his property. He listed his improvements and their value as: a 36' X 36' frame house ($1,000), hay shed ($45); barn ($50) with shop ($20), well ($75) and two miles of fencing ($150). At the same time he represented that over the past three years he had broken 35 acres, had an additional 30 acres cropped (grazed) and had increased his livestock holdings to as many as four horses and twelve cows. Several times over the eleven years he owned the property he took out modest loans from the provincial government varying from $35-50 for horse feed and provisions and $50 in horse feed in 1915, on account of his loss of a crop in 1914 because of "drouth." In 1919 he borrowed $61.17 to purchase two sacks of flour, two sacks of potatoes, 70 pounds of oatmeal, 70 pounds of lard, 4,000 pounds of coal and one ton of hay. Sometime around age fifty he applied for a Canadian old age pension.
The Morgans tried unsuccessfully to develop the horse ranch into a hunting lodge in the hills of the Milk River Ridge. In 1921 Newton, at age 58, traded his Milk River homestead to a noted local horseman, Arthur Patrick "Spud" Murphy, for property in Warner. Spud moved with his wife and daughter, Violet, to the Morgan horse ranch, where Spud pursued his hobby of training race horses and mentoring young jockeys. Violet grew up among the stuffed animals and birds placed around the house by Newton who, as previously noted, was an avid hunter and taxidermist. Meanwhile, Newton apparently moved to Warner, possibly alone. What became of Ada is unknown since we have been unable to determine her maiden name or locate a birth or death record.
To date, a total of only twelve internet records have been located from the palette of Newton's life. These scanty records include elusive gaps, particularly from 1916 until his death at age 86 in 1949. Inter alia, he is not found in the 1920, 1930 or 1940 US or Canadian censuses. Moreover, there is no consensus as to his actual name: only his gravestone identifies his full name as Isaac Newton Morgan. In all other records except one, his name is simply Newton Morgan. Only in the 1995 I think that this should be 1895 U.S. census his name appears as Newton I. Morgan.
Beyond these spare details, I wanted to learn more about the personality and character of this early Alberta pioneer for whom my mother and her family felt such affection. In this regard, I have been fortunate to locate several elderly Warnerites who knew Newton. First, I tracked down Phil Dickson, who is 84 years old and the son of Phyllis Ross Dickson, my mother's cousin who purchased Morgan's gravestone. He recalled that Morgan's small house was on the edge of the town where he kept horses, pigs and other farm animals. Phil speculated (accurately) that Newton must have received some kind of pension because he often saw him riding his horse downtown to pick up his mail or groceries. The man he knew only as Morgan was always friendly and would stop to talk whenever he saw Phil walking to school.
I spoke with Clayton Soice, age 92, who farmed in the Warner area until moving to Lethbridge. Clayton readily recalled Morgan, whom he described as tall, thin and erect in his bearing. He says his folks thought highly of Morgan, who lived alone and raised and milked goats. He says nobody knew much about his history, but there were lots of stories about a colorful past, including that he had left the States one step ahead of the law, for what reason he either didn't know or wouldn't say, branding them "only rumors," He heard that Morgan had originally been hired as a pool shark to work for the "house" at the local Warner pool hall. But he summed up everything he knew by saying Newton Morgan was always a real gentleman, who kept to himself, which was not surprising given the times and that he was the only black person in town.
Earl Thomas, now 94 years old grew up in Warner and remembers with some embarrassment that he was 13 or 14 when he first met and couldn't stop staring at Newton, the first black person he had ever seen. Earl's older brother, Bill, age 97, joins many others who said their folks thought highly of Mr. Morgan.
Another helpful informant has been long-time cattle buyer, Terry Lund, age 77, who now lives in nearby Stirling, just fifteen miles north of Warner. Although Terry never knew Newton personally, he grew up in the Milk River ranch house which his grandfather acquired in trade with Newton in 1921. Terry generously gave me copies of the ranch pictures below.
Another person who faintly recalled Newton was Robert "Bob" Hulit, age 86. Bob remembers his father once bought a horse for him from Morgan.
In my hunt for Newton's history, I have often worried that the racial attitudes of the day may have also kept him from the close friendships he surely deserved. That concern now seems over-blown and an unnecessary conclusion. On August 12, 1939 seventy-six year old Newton Morgan crossed the US/Canada border at Sweet Grass, Montana on a 1-2 day sightseeing trip to Glacier National Park. According to his U.S. border crossing Manifest at Sweet Grass, Montana, he was accompanied by "Friend: Clark Andrew Van Brocklin,"also of Warner. Elsewhere on the form Newton was required to identify the "Name and address of closest relative or friend from whence alien came." Newton filled in the blank "Friend: Al Millhaem," also from Warner, where he served for a time as Mayor. Both Van Brocklin and Millhaem were also fellow 1910 immigrants from the US. Somehow it feels measurably better to know that Newton considered many of his Warner neighbors as friends.
The border crossing form is also noteworthy in that it gives Newton's self-description as black, 5'9," with black complexion and a mustache. This may be the closest to a photo of the man we will ever find. He further candidly discloses his marriage status as separated, and also identifies his occupation as "Shoemaker/now on pension." And, I cannot help but note the sweet possibility that my father was working as a U.S. immigration officer in Sweet Grass, Montana at the time of Newton's 1939 border crossing. Given the small U.S. immigration office there, it's a strong likelihood that he met Newton at that time, if not before. If perchance they did not meet during mortality, I entertain the heartfelt wish and expectation that they met subsequently after death.
One of the mysteries which spurred my interest in Isaac Newton Morgan was the story about my third cousin, Phyllis Ross Dickson, who restored Newton's name and paid to have it carved on his gravestone. Like my mother, I found this an incredibly thoughtful gesture and wondered at her motivation. I couldn't have imagined her doing this for a total stranger and I sensed there had to be a deeper connection. In my searching, I have heard two explanations, both of which excite me. The first was given by Clayton Soice. In answer to the question why Phyllis would have done this, he gave a terse answer: "Because she's a Ross." Clayton's description was both a blessing and a family reputation I want my children and grandchildren to know and emulate.
The second explanation came to me late in my searching when I spoke to Bill Ross, a third cousin who lived in Warner for four years during his late teens. He remembers hearing that Newton sometimes worked for the Rosses, who considered him a superb horseman and honest worker. Having just completed my grandfather's biography, I had discovered a curious pattern in Ross family dynamics. Repeated stories tell of hired men who began as workers on my ancestors' farms and ranches, but were then drawn in and came to regard the Rosses as family. I love the possibility that Newton may have felt that way about my family.
There are those who do not understand the custom and doctrine of the Latter-day Saints who perform temple ordinance work for deceased family and others who died without the opportunity and blessing of being sealed to their loved ones for "time and all eternity." We do so out of a firm conviction that we are honoring the departed by recognizing their lives in temple ceremonies, where they are identified by name and their proper place in their own families. These are eternal sealings, which we believe those who have passed on remain free and able to accept or reject. Regardless of their decision, we are persuaded that the vast majority will be touched by being honored and remembered by name long after their earthly sojourn ended. If my mother's cousin, Phyllis, gave Newton back his name, I believe temple ordinances will also give him back his family,
I write this now when the current covid pandemic has forced closure of all Latter-day Saint temples. But as soon as they are reopened, I will take my family and friends to a temple to perform identification and sealing ordinances for Isaac Newton Morgan, an old friend of my family, which we have now rediscovered and learned to appreciate anew.
Discovering the real Newton Morgan through the eyes of history seventy years after his death has been a daunting but happy adventure. Accompanying me on this journey to unlock the secrets of the past have been two faithful friends: Sandra Nelson, who grew up in Warner and now lives in nearby Stirling and Melanie Tappen of Bainbridge Island, Washington. Both of these dedicated women have generously entered into Newton Morgan's circle of friends
F. Ross Boundy Bainbridge Island, Washington December 14, 2020
Contributor: John B. T. (49150548) • [email protected]
Moses Morgan
Charles A. Morgan
George Bartley Morgan
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Created by: T Stone
Added: 9 Aug 2011
Find a Grave Memorial ID: 74676989
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Find a Grave, database and images (https://www.findagrave.com/memorial/74676989/issac-newton-morgan: accessed ), memorial page for Issac Newton Morgan (21 May 1863–16 Aug 1949), Find a Grave Memorial ID 74676989, citing Warner Memorial Cemetery, Warner, Lethbridge Census Division, Alberta, Canada; Maintained by T Stone (contributor 47453064).
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Stan Lee, Shaman King's Takei Unveil Ultimo Manga Pic
Spider-Man co-creator Lee to discuss work at New York Comic Con on April 18
The official Japanese website of Shueisha 's Jump Square magazine has revealed the first finalized image from Karakuridōji Ultimo , the new series from Spider-Man and X-Men co-creator Stan Lee and Shaman King creator Hiroyuki Takei . (In the linked page, select the two center characters.) The series will be previewed in the premiere issue of the Jump SQ. II spinoff, which will ship on April 18.
Viz Media has also announced that it will hold a press event at New York Comic Con on the project on that same day. Lee, Jump Square Editor Takanori Asada , and Viz 's Shonen Jump Editor-in-Chief Marc Weidenbaum will appear at the event to discuss the work. Viz has also indicated that more news will be announced. The story of Ultimo revolves around two figures — Vice and Ultimo — who appear in the skies above Farmless City. Their super-powered clashes bring destruction upon the city and raises the questions of their origins and aims.
The press release quotes Lee as saying, "I am deeply honored for this great opportunity to collaborate with an award-winning artist/writer of the stature of Hiroyuki Takei . I enthusiastically expect that the combination of an American story-telling style merged with Takei-san's acclaimed Japanese style will result in our joint creation Ultimo presenting an original, exciting type of manga that will appeal to comic book fans around the world."
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Ex-Konga boss Sim Shagaya's uLesson raises $3.1 million ahead of 2020 launch
Alexander O. Onukwue
In a seed-level round led by TLcom Capital, edtech startup uLesson has raised $3.1 million to scale its audiovisual education content service across Africa.
The company says it will use the funding to bring its suite of video lessons, quizzes and tests to the West African market, with a plan to create culture-specific content for East Africa.
"uLesson has built the technology to deploy curriculum-relevant content via smartphones that allows learners to use the product without concern for internet limitations and cost," according to a company statement.
Founded by Sim Shagaya, the man behind Konga, the edtech startup has produced "over 3000 richly animated, personalized video learning modules, quizzes and tests".
It has spent much of 2019 recruiting motion graphics artists, writers and other staff to create content at its production studio in Jos, a town in north-central Nigeria where Shagaya hails from. uLesson's service will be available via a subscription model on the uLesson android app when the company launches officially in February 2020.
Source: uLesson
With a projected global market value of $341 billion, edtech is appearing an appealing line of investment. uLesson's raise is the highest venture-backed round in Nigeria's edtech space this year, but the sector has seen other intriguing developments in recent months. A young population, subsisting education gap and growing smartphone availability on the continent make for an interesting business opportunity for founders and investors.
Ido Sum and Omobola Johnson, partners in TLcom's executive team, will join uLesson's board as part of the round. uLesson is a good match for the VC firm's investment philosophy of "an entrepreneur-led startup building affordable, mass-market mobile first solution tackling one of Africa's largest challenges," according to Sum.
Shagaya seems to be moving fast to create future-minded eye-catching ventures, the shadows of Konga increasingly distant. uLesson's business, not built as a lifestyle brand in the form of an e-commerce company, stands to benefit from his experience delivering 'packages' to African homes for a fee.
The unit economics of delivering gadgets and accessories differ from those of maths and economics lessons. But the latter has an impressive transferable value that would endear human capital-conscious investors in the future should it prove successful.
Join TechCabal this Friday, 29th November, for a day of engaging conversations on Edtech and the Future of Work. Find details here on how you and your startup can participate.
Get the most comprehensive roundup of technology news on the continent, delivered to your inbox every weekday at 7am WAT
How tech-adapted classrooms answer the future of work question
Certification or creativity, which is of higher value to the Nigerian student? Anyone with the typical Nigerian school experience would say classrooms are optimized for certification above all else. Beyond permitting music, arts and debates clubs, not a lot is designed to boost creative potential. But while many millennials winged through the drudgery and made […]
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Apps, Healthcare
Bright Azuh
In 2020, Tech Cabal ran a survey to find out which period apps were common in Africa; the focus was on Nigeria. The survey reached women at the peak of their reproductive life (between 18 and 35). It asked what they tracked with these apps and how much they cared about the privacy of the […]
WhatsApp's new privacy policy: Why Africans don't care much
Daniel Adeyemi
What do you do when a company asks for your consent on its privacy policy? If you're like most people, you click on agree and move on. After all, who has time to read long and confusing legalese. The other option is to ignore or not accept (this option is rarely available) at the detriment […]
The Next Wave: TikTok and Fufu
The Next Wave
Koromone Koroye
Next Wave: TikTok and Fufu Bobi Wine and Uganda's demand for change JANUARY 17, 2021 This newsletter is a weekly in-depth analysis of tech and innovation in Africa that will serve as a post-pandemic guide. Subscribe here to get it directly in your inbox every Sunday at 3 pm WAT Hello, This is my first […]
Facebook responds to Whatsapp privacy policy outcry: There's been a "misunderstanding"
WhatsApp has faced a backlash since millions of their users around the world received its new policy update. This outcry was caused by the belief that users were forced to hand over their data to Facebook, WhatsApp's parent company, or be kicked out of using WhatsApp. Well, there might have been a mix-up due to […]
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Beyond grants and impact investments, there's a growing interest in Africa.
ecosystem, Funding
How much impact investment comes into Africa every year? And do you think it's enough? My bet is that even if you don't know the answer to the first question, you probably know the answer to the second question: It's not enough. Over the years impact investing in Africa has seen a steady rise. As […]
This VC is getting money from Silicon Valley workers to invest in African startups
ecosystem, Features, Funding
Investor interest in African startups is at an all-time high. Encouraged by a host of companies gaining international fame for their innovation, investors from within and outside Africa are queuing to get a piece of the action. Rally Cap Ventures, a venture fund based in the US, joined the fray in September. The new firm […]
Meet Raise, a private equity exchange simplifying the future of fundraising in Africa
Funding, Venture Capital
For good reason, startups are excited when they announce the close of a funding round. While not a guarantee of future success, navigating the process signals some validation for founders. But because this process can be cumbersome for both founders and investors, one Nairobi-based startup has created a solution to facilitate simplicity. The result is […]
Flutterwave raises $35 million for business expansion across Africa
FinTech, Funding
Business-to-business payments platform Flutterwave has completed a $35 million Series B round. With operations across eight African countries and the UK, Flutterwave is positioning itself as a strategic partner for companies looking to break into Africa. The company says it will invest its latest funding in improving its technology and expanding its business development team. […]
The CDC Group invests $15 million in TLcom's Africa Fund
Business, Funding, startups, Venture Capital
Abubakar Idris
CDC Group, a UK development finance organization, is investing $15 million in TLcom Capital's TIDE Africa Fund. The Group will support tech companies that are solving problems like unemployment and inequality.
Kenyan bus-travel platform QuickBus raises seed funding from Abu Dhabi
Funding, Logistics & Transport
A Kenyan online platform for reviewing and buying bus tickets in Africa has completed a seed round. Beyond ticketing, QuickBus lets users review and rate experiences on bus travel platforms, Wamda reports. They are currently in operations in Kenya, Uganda, and Angola, and have secured partnerships in seven countries. Routes available on the platform include […]
For the first time, around 100 African startups raise at least $1 million each in one year
African tech companies, new and old, raised at least $1.27 billion in 2019, the biggest total yet for a calendar year. This is from a report published by Briter Bridges, an industry researcher. It relies on data on disclosed deals above $1 m curated by Maxime Bayen, a company builder at GreenTec Capital. At least […]
Nigerian fintechs need new distribution models
In the last few months, Nigerian fintechs startups have witnessed a flurry of activities that are forcing them to restrategize. From the hundred million dollar investments in rival companies to regulatory pressure, startups know they may have to tweak their approach in the new year to stay competitive. We're going to identify these over the […]
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Ireland's south is where the exclusive process of single pot still was kept alive by the "Noah's Ark" of Irish whiskey that came together in the early 1970s in Midleton, Co. Cork. Thus, the flavours of single pot spiciness were saved for the world and developed upon for a new era of Irish whiskey.
Though Midleton became best known for its smooth, triple-distilled Jameson, it was also the distillery where Irish favourites Powers, Paddy, Redbreast, Green Spot and Tullamore were distilled. Subsequently many of the tastes which one now associates with Irish whiskey have their origins of those nurtured in the south of Ireland through a continuation of great whiskey makers, most famously the Crockett family, including father and son Max and Barry.
The sheer wealth and variety of expressions produced in the south means one cannot give them all a full airing here but most notable to look out for are the delicate and accessible blends of Jameson Original and Tullamore Dew, as well as the unique warm cinnamon and pepper of single pot still in the likes of Redbreast and Green Spot.
Midleton has since been joined on its long voyage by newcomers like the Walsh Whiskey Distillery in beautiful Carlow and Mark Reynier's Waterford Distillery, each bringing their own take on how to make excellent Irish whiskey.


You've always dreamed of buying a castle in France. Did you know that you actually can?
Since 1936 French company Agence Internationale Mercure has led the way in the Castle and 'belle demeures' market in France. Passionate about castles, character properties, country Estates and vineyards.
You can actually buy a piece of French history!
Its charismatic CEO owner Pierre Chasseigne is fascinated by history and a true admirer of ancient houses. This impressive of portfolio includes historic castles, private residences, country Estates, vineyards, apartments in Paris, all making up a grand catalog of beauty and history.
Agence International Mercure's company's portfolio includes historic castles, private residences, country houses, hotels, prestigious apartments, hunting grounds, vineyards comprising catalogue of more that 2500 prestigious properties in France.


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Home / Program Offices / FHEO Home / Advertising and Marketing
Discriminatory housing advertisements are illegal under the Fair Housing Act and other federal civil rights laws. Note that in HUD's housing programs, certain types of affirmative fair housing marketing are required by federal law.
What Is Prohibited?
What Type of Affirmative Fair Housing Marketing May Be Required?
In nearly all housing, including private housing, public housing, and housing that receives federal funding, the Fair Housing Act prohibits the making, printing and publishing of advertisements that indicate a preference, limitation or discrimination because of race, color, religion, sex (including gender, gender identity, sexual orientation, and sexual harassment), disability, familial status, or national origin. The prohibition applies to publishers, such as newspapers and directories, as well as to persons and entities who place real estate advertisements in newspapers and on websites. It also applies where the advertisement itself violates the Act, even if the property being advertised may be exempt from the provisions of the Act. Other federal civil rights laws may also prohibit discriminatory advertising practices.
Examples of advertising that may violate the Act include phrases such as "no children," which indicates discrimination on the basis of familial status, or "no wheelchairs," which indicates disability discrimination.
Federal law requires that applicants for participation in HUD's subsidized and unsubsidized housing programs pursue affirmative fair housing marketing policies. This is to help ensure that individuals of similar income levels in the same housing market area have a like range of housing choices available to them regardless of their race, color, religion, sex (including gender, gender identity, sexual orientation, and sexual harassment), disability, familial status, or national origin.
If you believe you have experienced housing discrimination involving advertising or marketing, you can file a complaint with HUD.
HUD Fair Housing Act Advertising Guidelines (former 24 C.F.R. part 109 regulations)
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You may know him as the young musician taking the world by storm with his angelic voice, and catchy tunes, but at the end of the day, Ruel is still a 15-year-old high school student.
We've all taken the occasional sickie to avoid going to school, but what school stories does Ruel have to tell? He is, after all, a talented singer with a multitude of dedicated fans... who happens to still go to school.
While it may be easy to admit your sneaky tactics to your friends, it's a bit harder when your mum is in the room, right? Well, that's the predicament we put Ruel in, and the results are hilarious.
So, what does she learn about her son?
Adam Lambert Likes A Little "Crazy"


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Q: NHibernate - Check if entitiy is out of date/sync I am using (fluent) nhibernate in my project. Let's say that I have a transient entity, A, being stored. Then at some point, part of the data store that is related to that entity is updated.
Is there a way to know that the entity A is out of date/sync so that I can go ahead and refresh it ?

A: Usually version column is used to determine that, and it could be a number, where with each persist it updates the number, or it could be a datetime where last persisted time is stored.
When an entity is updated the version column is updated, assume entity A,
class A
{
   int Id { get; set; }
   int Version { get; set; }
   string Name { get; set; }
}

class AMap : ClassMap<A>
{
   public AMap()
   {
      Id (x => x.Id).GeneratedBy.Native();
      Version (x => x.Version);
      Map(x => x.Name);
   }
}

when entity A is updated the generated SQL like,
update A set.... where Id = ? and Version = ?

So, if A is already updated by some other transaction this will fail to update and throw an exception. On the exception you should be able to reload and retry.
Make sure to use a new session when you retry.

redpajama_set_name: RedPajamaStackExchange


Listed below are all of the tasks on Rosetta Code which have been solved using Shen.
If you know Shen, please write code for some of the tasks not implemented in Shen.
Shen is an implementation of Lisp. Other implementations of Lisp.
The word 'Shen' is Chinese for 'spirit' and our motto reflects our desire to liberate our work to live under many platforms.
This page was last modified on 21 June 2017, at 17:21.


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Homechevron_rightSportschevron_rightHamilton, Vettel pay...
Hamilton, Vettel pay tribute to Whiting
Melbourne: Lewis Hamilton and Sebastian Vettel led Formula One (F1) drivers in paying tribute to race director Charlie Whiting, who died on Thursday morning aged 66.
The Federation International de l'Automobile's F1 director suffered a pulmonary embolism three days before the inaugural race of the 2019 season in Melbourne, Formula One said in a statement.
At a drivers' press conference at the circuit at Albert Lake Park, Hamilton and Vettel paid tributes to Whiting, who was responsible for driver safety and rule enforcement, reports Efe news.
"I've known Charlie since I started in 2007", Hamilton said. "Obviously incredibly shocked this morning to hear the sad news. My thoughts and prayers are with his family. What he did for the sport, his commitment, he really was a pillar… Such an iconic figure within the sporting world, and he contributed so much to us. May he rest in peace," he added.
Vettel, who is again expected to be leading the pack chasing reigning world champion Hamilton, said he was still in shock following the news.
"I was as shocked as we all are, still now, when I heard the news this morning, especially because I spoke to him yesterday and walked the track for the first couple of corners together with him. It's difficult to grasp when somebody's just not there anymore", the Ferrari driver said.
"I've known him for a long time and he was sort of our man, our drivers' man. Obviously there's regulations and all that and then there's us and he was the middle man. He was someone you could ask anything, at any time. He was open to everyone, any time his door was always open.
"All our thoughts are with him and especially his family in these difficult circumstances," he added.
Web Title - Hamilton, Vettel pay tribute to Whiting


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Home / East Midlands / People / Construction firm names new CEO
Construction firm names new CEO
Lee Marks
Huthwaite construction firm nmcn has appointed its new chief executive.
Lee Marks will join the company from NG Bailey in the first half of the year. Marks has been group commercial director since May 2013.
Marks said: "I am delighted to be appointed chief executive of nmcn and am very much looking forward to working with my new colleagues, customers and stakeholders to unlock the special potential of the group. nmcn is a strong business, well positioned in its chosen markets and operating in sectors that play a critical role for both the people and economy of the UK. It is an exciting opportunity to lead the next chapter, positioning the business for sustainable future growth and delivering for all stakeholders."
Last chance to register for Mergers and Acquisitions – the 2021 Vision
Ian Elliott, acting chairman, said: "We are looking forward to Lee joining the group as CEO. His breadth of experience, particularly commercial and end-to-end process management, and leadership skills will strengthen the executive team and enable it to empower, support and develop our talented workforce leveraging our potential more fully. We are confident that the new team under Lee's leadership will quickly move the group forward and rebuild value for our stakeholders."
nmcn has been without a chief executive since John Homer left in October last year. Two weeks later the company said it was launching an internal investigation after making a £15m loss.
People: New HR bosses at modular home firm and Devonshire Group
Management reshuffle as Talk Staff goes for growth
People: Developer hires affordable housing specialist; new chair for...


Coaster Furniture's mission is to be the best furniture distributor in America by way of exceeding customer expectations. We will offer the best value in merchandise and the finest service to our customers. Our goal will be met in efficient operations, utilizing teamwork, uncompromising respect and cooperation, and superior communications to provide for both our employees and customers.


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Feed the Fish
What's in the Business Financial Statement?
by Sarah Roberts
Business owners are responsible for the economic prospects of their business, the buck quite literally stops with them. Keeping an eye on the daily sales and expenses while aiming towards growth will only get them so far. If growth of the business is to be approached with both foresight and insight, there is a key document that any business owner needs their organisation to have …the financial statement.
The financial statements of a business help get funding and loans, as well as prepare for the future.
What is the Business Financial Statement?
The business financial statement is an at-a-glance financial resume. It doesn't contain every receipt and item of expenditure, but rather looks at the totals that the business deals with on three scales: a balance sheet; the profit & loss statement and cash flow statement, each of which shows the companies performance over the past period of reporting from a slightly different perspective.
The balance sheet does what the name implies: balances the assets of the business. The property, equipment, and stock inventory is balanced against the liabilities: loan repayments, mortgage etc. to give an overall level of shareholder equity. This document creates an instant guide to the scale of the business as well as its overall economic health. The balance sheet is a snapshot that represents the state of the company's finances (what it owns and owes) as of the date of publication.
The balance sheet is an invaluable piece of information for investors and analysts; however, it does have some drawbacks. It is just a snapshot in time, it can only use the difference between this point in time and another single point in time in the past and because it is static, many financial ratios draw on data included in both the balance sheet and the profit & loss statement and cash flow statement to paint a fuller picture of what's going on with the company's business.
Profit & Loss Statement
The profit & loss statement looks at how profitable the company has been over the past period of reporting, including non-cash transactions such as depreciation. This gives a pretty good idea of the direction the business is going in.
And the final component is the cash flow statement. Covering the same period as the profit & loss statement, this part refers only to the tangible monies that have come in and out – giving an idea of how much there is within the business to pay suppliers or other expenses.
The Financial Outlook for the Business Now and in the Future
The profit & loss statement, like the cash flow statement, shows changes in accounts over a set period. The balance sheet, on the other hand, is a snapshot, showing what the company owns and owes at a single moment. It is important to compare the profit & loss statement with the cash flow statement, as under the accrual method of accounting, a company can log revenues and expenses before cash changes hands.
So the financial statement made up of these three documents should give the owner a clear, multi-scale picture of just how the business is doing – and where it's going.
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Christopher Wilson is an applied researcher, methodological nerd, and technological optimist. He is currently completing his doctorate in media studies at the University of Oslo, where his research focuses on the institutional conditions that facilitate open government and digital civic engagement by government institutions. Wilson's research mixes qualitative and quantitative methods, with a focus on the influence of norms and culture in established democracies.
Wilson is currently a visiting fellow at the Beeck Center and adjunct faculty at Georgetown's School of Foreign Service. He also provides strategic support on research design and organizational development for nonprofit organizations, including the Norwegian parliamentary monitoring organization HolderDeOrd and the HIVOS international program on transparency and accountability.
Prior to joining the University of Oslo in 2016, Wilson co-founded and spent six years growing The Engine Room, a civil society organization supporting the use of technology in advocacy. At The Engine Room, he led the organization's applied research portfolio with a focus on cross-country comparisons, strategic analysis, and methodological innovation, and worked directly with small and large nonprofit organizations to develop appropriate tools and methodologies for collecting data and conducting research within advocacy contexts. He also led the organization's work on data ethics.
Before co-founding The Engine Room, Wilson worked for six years as a communications officer in the UNDP Oslo Governance Centre, supporting civil society use of new technologies in governance assessments and coordinating convenings and trainings for the International Freedom of Exchange Network.


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Mrs Fayose turns 51, Solicits support for less privileged
06 Jan, 2015 at 16:20 PM
The Wife of Ekiti Governor, Mrs Feyisetan Fayose, on Tuesday said that gifts for her 51st birthday will be shared among all the homes and centres for the less privileged in the state.
Fayose said this in a statement issued by her Press Officer, Mrs Tolulope Ayo-Ajayi, in Ado-Ekiti.
She advised anyone who wanted to celebrate with her to donate his gift items to the less privileged in the society.
The statement quoted the governor's wife as saying that such items should be dropped at her office inside the Government House Complex.
"All the gifts will be centrally packaged and divided in the office of the wife of the governor and they will be sent to different homes and centers for the less privileged across the state," she said.
The governor's wife frowned at the poor quality of her photograph being used by some people because they were often copied from the internet.
She advised anyone that needed her photograph to approach her office or office of the Chief Press Secretary to the Governor to collect it.
The News Agency of Nigeria (NAN) reports that Mrs Fayose's birthday comes up on Thursday Jan. 8.
She has planned visits to different homes and centers for the less privileged across the state as part of activities to mark the birthday.
Fayose urged people to spare thoughts for the less privileged in the society.
Ekiti GovernorMrs Feyisetan Fayose


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News Bar �
News: Tigers� last Eastern bastion falls ... Political: Sripathi before SLFP Disciplinary Committee ... Financial: China funds two flagship development projects ... Sports: Rain affects Lanka�s progress ....
Qaeda's Zawahri threatens more attacks in UK
UAE: Al Qaeda's second-in-command, Ayman al-Zawahri, on Tuesday threatened more attacks on Britain, two weeks after two failed bombings and criticised the country's decision to award author Salman Rushdie a knighthood.
"I say to (Former British Prime Minister Tony) Blair's successor that the policy of your predecessor drew catastrophes in Afghanistan and Iraq and even in the centre of London," the Egyptian cleric said in an audio tape posted on the Internet.
"If you did not learn the lesson then we are ready to repeat it, God willing, until we are sure you have fully understood."
It was not immediately possible to verify the authenticity of the 20-minute tape, which appeared on a Web site used by al Qaeda-linked groups with a still photograph of Zawahri.
The recording came just days after two car bombs were found in London and a fuel-packed jeep was rammed into Glasgow Airport in Scotland — botched attacks which Prime Minister Gordon Brown said were associated with al Qaeda.
Zawahri also attacked Britain's controversial decision to award Rushdie a knighthood, saying Queen Elizabeth had sent a clear message to Muslims by honouring a novelist who had insulted Islam, and said the group was preparing a response.
Zawahri said the least Muslims could do was to boycott British goods to protest Rushdie's knighthood.
A spokesman for Brown rejected Zawahri's comments.
"We do not intend to dignify this with a response," the spokesman said. "As the prime minister has said, the British people will remain united, resolute and strong and we will not allow terrorists to undermine the British way of life."
Zawahri, who has spoken out regularly in audio-taped messages in recent months, also called on Muslims in Pakistan to fight President Pervez Musharraf, whose forces killed a rebel Islamist leader and more than 50 militants on Tuesday when they stormed an Islamabad mosque compound after a week-long siege.
"An Islamic emirate in Afghanistan is the hope for real change in the region and hopefully the final blow to the Crusaders ... in South Asia."
Zawahri, who last year called for attacks on United Nations peacekeepers patrolling Lebanon's southern border with Israel, also blessed a bombing that killed six Spanish troops in June and called for more.
Zawahri repeated earlier calls on Hamas to reject all international accords with Israel, U.N. resolutions and a Saudi-brokered deal with the rival Fatah faction of Palestinian President Mahmoud Abbas. White House calls meeting on al Qaeda threat.Meanwhile the White House has called an urgent multi-agency meeting today discuss a potential new al Qaeda threat on U.S. soil, ABC News reported on Tuesday.
Top intelligence and law enforcement officials have been told to meet in the White House Situation Room to report on steps to minimize or counter the threat and what steps are being taken to tighten security at government buildings, ABC said.
The meeting would be one of a number convened in light of new intelligence and information learned from the recent failed car bomb attempts in London, ABC reported, citing a senior U.S. administration official.
The unnamed official told ABC the level of concern of a new attack in the United States was now higher than it had been in some time.
A White House spokeswoman confirmed that after the attempted attacks in the United Kingdom, the U.S. government convened meetings to discuss the situation but added there was no credible evidence of an imminent threat.
"Counter-terrorism officials regularly meet, that is not unusual. We are taking all threats seriously and working to ensure we can keep the terrorists from striking at innocent people," White House spokeswoman Emily Lawrimore said in an e-mail.
Law enforcement officials said the botched bombings in London provided clues about possible tactics, ABC reported.
Dubai, Washington, Wednsday, Reuters.
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