Here is a shot of a couple I managed to grab down by the river. Before spotting these two I had been taking several portraits of what I thought were interesting people always trying to incorporate the lines of the rails you see in this shot. My previous attempts weren't as successful as I think this is. It appears that the girl's making eye contact with the camera, thus capturing her attention for a split second away from the guy she's with. I must say that this type of street portrait is very appealing to me ever since I saw a photo on Facebook in which a dad was carrying his son on his back. The photographer took a portrait of him in profile but the kid is looking straight into the camera all the while he's resting his head against his dad's neck. The eye contact is very intense while the contact between the two bodies was as well and I thought this tension was where the picture's power lay. I was hoping to achieve something like that here. I hope it's at least somewhat successful.
That one eye looking right at you in spite of the way in which the couple are hugging… that split second of distraction and connection with you, is what makes this shot stand out as a very special, tense and witty street capture.
You one hundred percent achieved the aim you describe in your text Chris.
One for the text book I reckon!


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Everlasting Glow LED Candles-"Forever in Our Hearts"
Flickering LED flame-less candle is scented with vanilla and created to look like a natural wax candle, with irregular edging and real wax finish. Tree artwork design with sentiment: "Always And Forever In Our Hearts"
The candle is lit by a bright LED light, made of real vanilla scented wax, and the flame actually flickers! This candle is mess free and contains a built-in automatic timer that runs 6 hrs. on and 18 hours off.


Even though I still have not finished this book ( but hey!, I'm making progress! ), I wanted to write a blog about The Gift Of Fear by Gavin De Becker.
So the author of this book sounds like a pretty interesting man. I assume he's a doctor but it's never mentioned ( at least 193 pages in, I didn't see it ) He advised the prosecution in the O.J. Simpson trial. He meets with major companies to help prevent workplace violence. He knows violent behavior, as he had experienced it into his childhood and studied it thereafter. And he wrote three books on the topic.
The point of this 315 page book ( not including the epilogue and appendices ) is to teach yourself how to recognize violent behaviors and to take it seriously.
This chapter is called Survival Signals and discusses the behaviors of strangers, but as you read further he gets into relationship violence and work violence, also.
He even wrote an entire chapter on how employers can help avoid a violent act by a jaded employee. De Becker goes into the best ways to spot a violent person, ways to diffuse the situation and to ( ultimately ) eliminate them from their position.
Now, I was a tad worried that it would feed into my mild hypochondriac tendencies, but it's also empowering!--not every gut feeling automatically means something bad is going to happen, but you need to feel this emotion, evaluate it and then act accordingly. We have instincts for a reason, people. But I know, hindsight is always 20/20.
I have about 100 more pages to go in this book, but I definitely think it's a beneficial book to own. De Becker's stories are not only informational, but also very interesting. It's not a hard read at all--I just don't prioritize reading like I once did.
If you want a read that makes you second guess situations you've been in in your past, tools to protect yourself in the future and interesting tales from others, grab a copy of The Gift Of Fear and "don't. get. murdered!"
My issue with the library is that it takes me SO damn long to finish a book that it's probably cheaper to just buy it rather than pay the asinine late fees LMAO!!!


What time is Comic Relief does University Challenge on BBC2, what universities are competing and who is hosting?
COMIC Relief does University Challenge as our favourite quiz programme gets a celeb overhaul in a one-off special.
Some famous faces will be battling it out for your entertainment and in the name of charity. Here's everything you need to know.
What time is Comic Relief does University Challenge on BBC2?
The Comic Relief special of the hit quiz show will be aired during the biennial event TONIGHT (March 15).
If you want to watch some of our fave celebs battling it out to be most intelligent then you can tune in to BBC2 on Friday, March 15.
But before you switch off, a host of famous aces will be competing instead.
That's right, get ready to watch the likes of Jason Manford and Emily Atack battle it out to come up trumps.
David Baddiel will be taking over the reins from Jeremy Paxman.
The Cambridge graduate will certainly be able to hold his own on the IQ focused programme.
And no doubt he'll inject some of his famous wit into the mix - promising for an entertaining show.


text:
Q: pyspark - left join with random row matching the key I am looking to a way to join 2 dataframes but with random rows matching the key. This strange request is due to a very long calculation to generate positions.
I would like to do a kind of "random left join" in pyspark.
I have a dataframe with an areaID (string) and a count (int). The areaID is unique (around 7k).
+--------+-------+
| areaID | count |
+--------+-------+
| A      |    10 |
| B      |    30 |
| C      |     1 |
| D      |    25 |
| E      |    18 |
+--------+-------+

I have a second dataframe with around 1000 precomputed rows for each areaID with 2 positions columns x (float) and y (float). This dataframe is around 7 millions rows.
+--------+------+------+
| areaID |  x   |  y   |
+--------+------+------+
| A      |  0.0 |    0 |
| A      |  0.1 |  0.7 |
| A      |  0.3 |    1 |
| A      |  0.1 |  0.3 |
| ...    |      |      |
| E      | 3.15 | 4.17 |
| E      | 3.14 | 4.22 |
+--------+------+------+

I would like to end with a dataframe like:
+--------+------+------+
| areaID |  x   |  y   |
+--------+------+------+
| A      |  0.1 | 0.32 | < row 1/10 - randomly picked where areaID are the same
| A      |  0.0 | 0.18 | < row 2/10
| A      | 0.09 | 0.22 | < row 3/10
| ...    |      |      |
| E      | 3.14 | 4.22 | < row 1/18
| ...    |      |      |
+--------+------+------+

My first idea is to iterate over each areaID of the first dataframe, filter the second dataframe by areaID and sample count rows of this dataframe. The problem is that this is quite slow with 7k load/filtering/sampling processes.
The second approach is to do an outer join on areaID, then shuffle the dataframe (but seems quite complex), apply a rank and keep when the rank <= count but I don't like the approch to load a lot a data to filter afterward.
I am wondering if there is a way to do it using a "random" left join ? In that case, I'll duplicate each row count times and apply it.
Many thanks in advance,
Nicolas

A: One can interpret the question as stratified sampling of the second dataframe where the number of samples to be taken from each subpopulation is given by the first dataframe.
There is Spark function for stratified sampling.
df1 = ...
df2 = ...

#first calculate the fraction for each areaID based on the required number
#given in df1 and the number of rows for the areaID in df2
fractionRows = df2.groupBy("areaId").agg(F.count("areaId").alias("count2")) \
    .join(df1, "areaId") \
    .withColumn("fraction", F.col("count") / F.col("count2")) \
    .select("areaId", "fraction") \
    .collect()
fractions = {f[0]:f[1] for f in fractionRows}

#now run the statified samling
df2.stat.sampleBy("areaID", fractions).show()

There is caveat with this approach: as the sampling done by Spark is a random process, the exact number of rows given in the first dataframe will not always be met exactly.

Edit: fractions > 1.0 are not supported by sampleBy. Looking at the Scala code of sampleBy shows why: the function is implemented as filter with a random variable indicating whether to keep to row or not. Returning multiple copies of a single row will therefore not work.
A similar idea can be used to support fractions > 1.0: instead of using a filter, an udf is created that returns an array. The array contains one entry per copy of the row that should be contained in the result. After applying the udf, the array column is exploded and then dropped:
from pyspark.sql import functions as F
from pyspark.sql import types as T

fractions = {'A': 1.5, 'C': 0.5}
def ff(stratum,x):
    fraction =  fractions.get(stratum, 0.0)
    ret=[]
    while fraction >= 1.0:
        ret.append("x")
        fraction = fraction - 1
    if x < fraction:
        ret.append("x")
    return ret
f=F.udf(ff, T.ArrayType(T.StringType())).asNondeterministic()

seed=42

df2.withColumn("r", F.rand(seed)) \
    .withColumn("r",f("areaID", F.col("r")))\
    .withColumn("r", F.explode("r")) \
    .drop("r") \
    .show()

redpajama_set_name: RedPajamaStackExchange


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text:
Breaking News articles for August 2019
M&A activity tops ETA SLF agenda
The Electronic Transactions Association will host its annual Strategic Leadership Forum (SLF) Sept. 25 to 27, 2019, in Boca Raton, Fla. The event is designed for senior-level payments industry executives and the ETA's certified payments professionals. (CPPs). Enrolled scholars and credentialed CPPs can earn up to nine ETA CPP continuing education credits for attending the forum. Credits are earned at the rate of one per 50 minutes of session time, event organizers stated. Mergers, acquisitions and sweeping market changes impacting the maturing, consolidating payments ecosystem will top this year's SLF agenda, according to ETA representatives. Presentations and panel discussions will highlight emerging trends, technology innovation and disruptive new entrants in the space.
Mastercard's not-so priceless data breach
Mastercard has built significant brand recognition around its "priceless" initiatives. Now it is getting recognition it might rather do without for a data breach involving cardholders in Germany who participated in the card brand's "priceless specials" loyalty program. Mastercard revealed in filings with data protection agencies in Germany and Belgium that it discovered on Aug. 19 and again on Aug. 21, 2019, that data on German cardholders participating in the priceless program managed by a third-party had made its way onto the Internet "for a certain period of time."
ACLU gives thumbs down to cashless stores
The American Civil Liberties Union is taking a stand against cashless stores. The move could be seen as a feather in the cap of merchants who have long railed against the cost of card acceptance, and it could prove a boon to ISOs and merchant level salespeople selling cash discounting and credit card surcharging. Why, you might ask, would the ACLU, a nearly 100-year-old organization renowned for its work defending the constitutional rights and liberties of individuals, take on card payments?
Frontline launches CBD merchant program
Bozeman, Mont.-based Frontline Processing Corp. launched the CBD Merchant Account Pilot Program, designed to support merchants in the rapidly growing U.S. cannabinoids sector. The market is on track reach $20 billion by 2020, providing the card processing industry with abundant opportunities, Frontline representatives stated. The company has been active in the space, joining trade groups, meeting with government officials and keeping informed on best practices. On Aug. 21, 2019, the company disclosed it had joined forces with an acquiring sponsor bank to pilot test a CBD merchant program. The program was beta tested and hit capacity while in test mode, according to sources familiar with the project.
Fast growing ISOs named to Inc 5000
Inc magazine just published its list of the 5000 fastest growing privately held companies in America, and the list includes at least 15 merchant services ISOs. The Inc 5000 list first appeared in 1982 and each year names a crop of honorees based on three-year cumulative growth rates. "The companies on this year's Inc 5000 have followed so many different paths to success," said Inc Editor in Chief James Ledbetter. "There's no single course you can follow or investment you can take that will guarantee this kind of spectacular growth. But what they have in common is persistence and seizing opportunities."
BAMS, IRIS founder Dimitri Akhrin featured on American Dream
Payments innovator and entrepreneur Dimitri Akhrin, founder of Bank Associates Merchant Services and IRIS CRM, was featured in The American Dream, a Bloomberg Television series that celebrates self-made business leaders. Hosted by Eric Roberts, the segment aired Aug. 17, 2019, and can be viewed on the IRIS CRM website, company representatives stated. "The American Dream is a show that inspires its audience by telling the story of humble beginnings and delving into each entrepreneur's journey," Roberts stated. "These ambitious individuals made their vision a reality and give hope that the dream is still possible."
Bluefin awarded patent for 'fingerprint' decryption
Atlanta-based Bluefin, a global provider of payment security technologies, disclosed Aug. 14, 2019, that it received a U.S. patent for its virtual fingerprinting decryption method. The solution authenticates encrypted devices based on unique attributes, or "fingerprints." This added intelligence is more secure than relying on serial numbers alone, Bluefin representatives stated. U.S. Patent No. 10,382,405 for Managing Payload Decryption Via Fingerprints, expands on a 2018 patent issued for Bluefin's proprietary fingerprinting and point-to-point encryption (P2PE). To date, the company has received 17 U.S., Japanese and European patents and has 18 pending patents in its pipeline, according to Ruston Miles, chief strategy officer at Bluefin.
Jodie L. Kelley to lead the ETA
The Electronic Transactions Association's executive search came to an end today with the appointment of Jodie L. Kelley as the organizations new CEO. Since the January 2019 departure of Jason Oxman, the ETA's former CEO, the association has been guided by interim CEO Amy Zircle, who will remain with the ETA, ensuring a smooth transition. The ETA, a global trade association representing more than 500 payments and technology companies, has high expectations of Kelley, who will take the helm the week of Sept. 3.
PayPal, MetLife, Village Capital launch Finance Forward
Village Capital, a global venture capital firm focused on helping fledgling businesses, has joined with PayPal Holdings Inc. and the MetLife Foundation to cultivate early-stage entrepreneurs. The joint program, called Finance Forward, is rolling out in select regions in the United States, Latin America, Europe, Middle East and India. Its mission is to democratize the system by improving access to funding and education to startups everywhere.
ETA/TSG: Electronic transactions on upward trend
The ETA/TSG U.S. Spending Snapshot, published Aug. 6, 2019, by the Electronic Transactions Association and The Strawhecker Group, cited strong consumer spending in the first quarter of 2019, particularly in retail and restaurant sectors. The bellwether report found year-over-year electronic transaction growth continues unabated, despite "political uncertainty, lower consumer confidence and a higher overall personal savings rate," according to Jared Drieling, senior director of business intelligence at TSG.
Wnet summit takes on leadership in changing world
The Women's Network in Electronic Transactions (Wnet), a professional organization for women in payments and the men who advocate for them, has big plans for its 2019 Wnet Leadership Summit. The two-day event will take place at the InterContinental Buckhead in Atlanta on Nov. 6 and 7. The focus is timely: leading in a changing world. "We are excited about this year's Wnet Leadership Summit, which will be our largest event of the year," said Carol Grunberg, Wnet president, and vice president and executive officer at Northwestern Mutual. "Hundreds of leaders across the industry will meet to discuss domestic and global leadership trends. By attending, you will also hear from executives paving the way to create more creative and profitable organizations by improving gender diversity within their companies and our industry."
FedNow: asset or liability for private sector?
The Federal Reserve Board revealed Aug. 5, 2019, that it plans to develop FedNow, a real-time payments and settlement scheme. Addressing a town hall meeting at the Federal Reserve Bank of Kansas City, Mo., Federal Reserve Board Governor Lael Brainard called making and receiving payments a basic right for banks and individuals. "FedNow will permit banks of every size in every community across the country to provide real-time payments to their customers," she said.
Is 'Just Walk Out' the new showrooming?
Mobile technology continues to challenge brick-and-mortar stores on multiple fronts, forcing retailers to adapt to digital-first consumers. A March 2019 survey of 3,200 Asian shoppers by Transcosmos Inc. found 62 percent of respondents examine products in physical stores before ordering them online. Retail analysts have noted the practice, known as showrooming or webrooming, initially threatened to turn physical stores into warehouses, but retailers fought back with price-matching; buy online, pickup in store (BOPUS); and various omnichannel strategies.
Fiserv completes First Data acquisition, BofA flies solo
The $22 billion acquisition of leading payment processor First Data Corp. by financial technology giant Fiserv is now complete. And the first casualty of the deal came within hours of news of that completion: Bank of America Merchant Services. BofA's BAMS, which has operated as a joint venture with First Data for decades, will strike out on its own beginning next year. This would make BAMS the sixth largest merchant acquirer in the United States, absent any new mergers and acquisitions in the acquiring space, said Raymond Pucci, director of the merchant services group at Mercator Advisory Group.

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It's that time of year again, when kids can't wait to mail their letters to Santa! To help parents out, the Cedar Springs Post has set up a special North Pole drop box. Every year dozens of kids use our special box for express delivery to the North Pole, and we make sure Santa reads each and every one! So, if you'd like to send a letter to Santa, and maybe get it printed in the newspaper, just drop off your letter in the bright red box labeled "Santa Mail" outside our office at 36 E. Maple Street, or mail your letter to: Letters to Santa, c/o the Cedar Springs Post, PO Box 370, Cedar Springs, MI 49319.


text:
Throw the Baby Out the Window
By Julia Leyda | 2 Comments
Like the Mardi Gras episode last season, and many episodes of Treme, cross-cutting among the ensemble cast restricts the depth of development for any single story thread, and means that every minute counts. Sometimes an episode's widely divergent storylines don't sit well with all viewers–particularly clear in the mixed reception of the way Ladonna's assault was intercut with more superficial events in the threads of Delmond and Antoine in "On Your Way Down." Although I disagree with Salon's Matt Zoller Seitz about that episode, and wholeheartedly applaud raynola's rebuttal at Back of Town, I understand why many feel that the editing and discordant tones of the various threads didn't suit that episode's trauma. Critics and commenters have been debating this aesthetic choice for a while, but I think it works here.
This episode skitters among the cast, giving us just enough, showing what Mardi Gras 2007 means for each character. The rapid-fire montage sketches each character just enough so that we see what she or he is up to, piquing our interest, and then moves on to the next. Enough backstory exists so that each snippet plugs into our previous knowledge of, and emotional connection to, the characters. We can be happy to see Del marching with his father, whose blue-tarp-topped Gentilly house is still gutted down to the studs but takes pride of place on Del's patch for his suit. Many viewers are even sympathizing with Nelson, Davis, and Sonny, all mighty unpopular so far. Annie's Cajun Mardi Gras, the weakest thread this week, felt too long with little development payoff and almost ethnographic, pandering to the desire for the exotic (and Cajun Mardi Gras is exotic, even for most New Orleanians). I find myself, as I often did last season, wondering what is going on with Jacques, the sweet sous-chef. The ultra-brief glimpses of Ladonna, ensconced in her comfy beige Baton Rouge sofa with her bucket-sized whiskey glass was all it took: I couldn't get her out of my mind through the rest of the episode. She replaces Creighton as the embodiment of the city's struggles this season.
Toni's thread stands out in particular as reaching for the heights of Sirkian maternal melodrama and I mean that in a good way. She continues to allow the shards of her relationship with her daughter to lacerate her. Toni's suffering stems from her grief over Creighton and from her guilt-ridden, masochistic embrace of Sofia's (understandable) hostility. Sofia's fragility and her resilience are vying for control over her story–at this point it's neck and neck. Melissa Leo's and Khandi Alexander's faces express pain that won't be healed soon or easily, or possibly ever. The damage in the Bernette and Williams families is under the surface, but it is festering. Even the fact that both women are middle-class and probably can pay for psychiatric care doesn't mean they will have access to it in the health care wasteland of post-Katrina New Orleans.
But this carnival episode, like last year's, also reminds me of the potential of every Mardi Gras to provide a transcendent collective experience. The heavily cross-cut montage creates a unity across the different stories to create a collective sense. While it's true that everyone's Mardi Gras experience is colored by his or her own emotional state at the time, as my dear friend Jolie says, there is also a group vibe. I risk repeating a cliche here because it is true: the value of carnival in my experience is the feeling that the whole city is transported together in a whimsical state of joie de vivre, the group high that engulfs the rich and poor, black and white, Uptown, Downtown, and back of town, the "family" fun and the more "adult" possibilities. The touristic elements of the show, as previous posts have pointed out, sometimes involve too many name-checks, too much striving to "get it right"–which, don't get me wrong, is a welcome change from the travesties of the past. But this episode shows the heart of Mardi Gras without being corny, as virgotex argues in the Back of Town blog. For all their immaturity, Davis and Antoine each do the right thing. The sense of community that can come from carnival won't erase the trouble in your heart, as the magical Cajun might say. But it can bring out the fellow-feeling in people and foster fleeting utopian moments. There is a sense of disaster averted–fears of violence prove unwarranted, as we see Colson's character work "to protect and serve" at Muses and finally his coiled-spring tension easing at midnight on Mardi Gras. The cooperative spirit–that even the police (at their best) convey–is what I love about the line in the song "Carnival Time" that invites the listener to join in: "if you put a nickel well now, I put a dime / We can get together and drink us some wine."
Tags: characterization, class, ensemble, HBO, Mardi Gras, Treme
2 Responses to " Throw the Baby Out the Window "
L Thomas on June 11, 2011 at 2:41 PM
I am struck by your assessment of Ladonna as the embodiment of the city's struggles. Over the course of two seasons, she has experienced loss, separation, displacement, economic challenges, and violent trauma. For her, Mardi Gras is no longer the same. In fact, if Mardi Gras does offer the possibility of a utopian, communal experience, it's one that LaDonna rightfully mistrusts and rejects in favor of the security of that beige Baton Rouge couch and whiskey glass. Some problems even Mardi Gras can't transcend.
Julia Leyda on June 13, 2011 at 11:03 PM
Absolutely! I think that has been the case in Toni's two Mardi Gras days as well, as Back of Town discusses http://backoftown.wordpress.com/2011/06/12/hearing-everything-backwards/. She was struggling with a depressed husband last year and now an estranged teenager–she needs to take a hard look at her own avoidance and denial tendencies. Her efforts to put a good face on it and enjoy MG day has failed both times. But it's telling too that the white woman's pain is psychological, while the black woman's is that plus physical, bearing the brunt of her losses: brother, bar, community, physical autonomy, confidence, maybe identity even.


text:
Alpnach
Dragon Ride (Pilatus Kulm)
Tickets for Mount Pilatus with Transport from Zurich
We don't have these tickets right now
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The Bodmi Arena is a winter sports paradise, where children and adults can take part in lots of fun snow sports in a safe environment. It is located in the heart of Grindelwald, Switzerland.
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Voucher for lunch
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Enjoy roundtrip travel from Zurich on a journey that takes you to a magnificent Alpine peak
Take two awe-inspiring cable car rides and ascend 2,132 meters above sea level to Mount Pilatus
Stand on a snow-capped Swiss peak, then stare at a horizon filled by the Alps inside the Panorama Gallery
Pass through picturesque Lucerne before you arrive at the foot of Mount Pilatus. Looking up you'll wonder how you'll ever reach the top.
Prepare for an unforgettable view and two spectacular cable cars to get you there – the 'Dragon Ride' with its wide windows is especially impressive.
Show your smartphone ticket at the meeting point, the white ticket office marked with "Best of Switzerland Tours" or "City Tours & Excursions", at Sihlquai Coach Parking, close to Zurich's main train station
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I found out that if you made people laugh, they like you. Most people got to like me because I made them laugh. When they didn't, I hit them.
I have the gift of laughter. I can make people laugh at will. In good times and in bad. And that I don't question. It was a gift from God.
There have always been mixed emotions about Howard Cosell: Some people hate him like poison, and other people just hate him regular.
What makes a comedian has nothing to do with religion. Think of Red Skelton, Jimmy Durante, Jackie Gleason, who were all Catholics.
When I do an hour-and-a-half show, if I don't improvise 20 minutes worth of new material each night, I feel I've let myself down.
Ninety-nine percent is in the delivery. If you have the right voice and the right delivery, you're cocky enough, and you pound down on the punch line, you can say anything and make people laugh maybe three times before they realize you're not telling jokes.
You want to know what makes me tick, I'll tell you what makes me tick. I was a boy growing up in Brooklyn; I read a two-penny magazine called 'The Hawk's Nest.' Nobody entered that nest that didn't leave a little richer and a little wiser. And that 11-year-old boy said, 'Isn't that a wonderful thing.' And that's all there is to it.


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redpajama_set_name: RedPajamaGithub


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Home > ViewpointCould the 2023 union budget be a turning point for India's insurance sector, replacing China as the top investment destination?
Could the 2023 union budget be a turning point for India's insurance sector, replacing China as the top investment destination?
By Suryakant DasThursday January 12, 2023
India is a young country. The majority of the population belongs to the working age group between the ages of 18 and 60. According to the economic survey, his net national income per capita has risen from Rs. 265 ~ Rs. 1,50,326 in fiscal year 2022. India's savings rate has also soared from an all-time low of 7.9% in 1954 to 28.2% in 2021.
The insurance sector of India has been constantly recording double-digit growth since the past few years and has the potential to maintain this growth for the next decade. The growth is due to the fact that there's modernization in the insurance sector in the insurance sector.
Combined with a stable macroeconomic environment, aggressive policy reform, and growing per capita income and savings, this famine could propel the industry into the world's leading insurance market. Budget 2023 could be a catalyst for reform as the insurance sector prepares for faster growth.
As the Indian youth is maturing and their point of view towards personal finance improves, the Indian government is optimistic and completely focused on mobilizing savings into production channels, creating sustainable job opportunities and supporting long-term capital formation through the insurance industry.
The Republic of india's desire to become a global superpower could be assisted by the growth of the insurance sector of India and it could prove colossal in removing china as the most lucrative investment destination; China's depreciating population, trembling economic sector and growing separation at the international stage could awesomely help india in establishing itself as a global superpower
Guaranteed availability of insurance through tax incentives :
Investing in life insurance is a long-term investment unlike other investment options covered by 80C which have a much shorter investment horizon. All are now grouped under the same IT deduction section (80C) with a cap of INR 1,50,000. It is likely that the Budget will consider creating a separate section for tax deductions on life insurance premiums. This allows an investor's money to be more logically divided into long-term and short-term kittens. The insurance purchaser may also be rewarded with a lower GST rate for him. The existing 18% interest rate undermines affordability, while the 5% fixed rate helps drive the need for insurance. Lower tax rates and lower premiums for buying insurance of any kind will only equate insurance to savings.
Booming Pension Opportunities
Our young demographic and resulting demographic dividend generate a lot of excitement, but at the same time, we are home to the second largest elderly population in the world with 138 million people over the age of 60. must also be recognized. That number is expected to rise to 194 million by 2031, according to a National Bureau of Statistics study. Moreover, life expectancy in India has increased by 3.5 years for every 10 years he has in the last 30 years.
This significant aging of the population underscores the growth of the Indian bond and pension markets. Annuities solve the main dilemma of retirees – life annuities with stable and guaranteed interest rates, exposing investors to interest rate reinvestment risk. This is especially true in scenarios where interest rates fluctuate. Annuities are the only solution that fully protects you for a longer life (i.e. surviving your own body) by providing a regular stream of income throughout your life rather than buying it as a lump sum.
Tax breaks on pensions could therefore be a game changer. Annuities are now fully taxed in the hands of customers, making the product less attractive. Also, the Rs. 50,000 tax incentive provided to NPS under Section 80CCD (1b) exceeds Rs. The 80c's 150,000 luff limit should be extended to annuities. Additionally, governments should allow companies to issue long-term bonds to institutional investors (mainly pension providers) to manage interest rate risk for longer-term projects. In addition, it helps insurers direct their long-term savings to capital-intensive sectors.
Read More-Taxes in 2023: What to Expect From Budget 2023
Read also: Artificial intelligence will be a major factor in future careers
2023 union budget
The IIT-Startup attempting to end manual rummaging in India wins huge on Shark Tank
The brutal truth of manual rummaging and its effect on individuals' lives and well-being can't be disregarded. Solinas Trustworthiness, the furthest down-the-line startup to show up on the second release
Financial plan Assumptions: Time to modify charge chunks and derivation limits for individual citizens
It is that season once more. Finance minister Nirmala Sitharaman is good to go to convey the financial plan on February 1. Like consistently, assumptions are high that she will
Economists predict a slowdown in capex, subsidies by government: Poll
According to a survey of economists conducted by Reuters, the Indian government is expected to decrease the rate of capital investment growth during the upcoming fiscal year due to a
Despite slowdown fears, India's economy's animal spirit is moving to the right
In December, India's economy showed signs of improvement as business conditions picked up, recovering from a slowdown the previous month. This was indicated by an increase in "animal spirits", which
The Union Budget 2023: What Nirmala Sitharaman can deliver for homebuyers
Union Budget 2023: Infrastructure improvements, such as roads, public transportation, and utilities, can make specific locations more appealing to property purchasers and raise the value of properties in certain areas.
Aseem ghavri ! The inspiring journey of unknown entrepreneur
Aseem Ghavri is the founder of Codebrews Labs, a software development company that specializes in providing a wide range of services including web and mobile app development, e-commerce solutions, and


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Uc Kiz Kardes Episode 37 English Subtitles
Uc Kiz Kardes Episode 37 English Subtitles with English Subtitles; We will upload within 2 hours after air on Turkish123TV please stay with us thank you… Turkish Episodes where you can watch and review in English subtitles.
Once upon a time in a beautiful yet mysterious country, there lived three sisters named Türkan, Dönüş, and Derya. As a close-knit family, they would dream of a promising future every night. Perhaps such an upbringing, that was similar to a fairy tale on the pine-scented streets of Ayvalık, had not prepared them for the grim reality of adulthood. Over time, the sisters discover that life and the choices that are accompanied by it are not as easy as they seem. Inconceivable secrets can be hidden even by those who are trusted the most and horrific illnesses can lead to the resurrection of the past. This leads them to the question: Is there anything in the world that time cannot heal?
Last Episode 36 Summary
While Rüçhan believes that he has defeated Türkan with his game, he is startled by a perilous surprise that is in store for him. In addition, Türkan shows he will not be intimidated by Rüçhan's antics by remaining upright. Both happiness and anguish are brought about by Fatih's daughter's arrival from Germany. The small child brought happiness to the home despite her unrelenting illness, which allowed the Kalender Family as a whole to gather. But because Dönin insisted on being a donor, Sadk and Nesrin were always left together.
His own girls are on one side, while a helpless young girl is on the other. Their conscience is currently their toughest opponent. Türkan attempts to sever ties with Sevilay without harming her.
Release Date Episode 37: Uc Kiz Kardes
Uc Kiz Kardes series, starring Neslihan Atagül and Kadir Doğulu is getting ready to come to the screens with its 37th episode on Tuesday, January 31st, 2023 on Star Tv channel at 08 P.M.


Concert Bands are the central focus of the band program at Union High School. They meet during the school day and perform at concerts and festivals around the region. Numerous additional playing activities are available for all students in any of our 3 concert bands!
This ensemble is for advanced wind musicians and percussionists at Union. Membership in this ensemble is attained by audition at the end of the preceding year. This advanced band class focuses on the development of musicianship through the study and performance of advanced and college-level wind literature. All students enrolled in Wind Ensemble perform with the pep band at all home football games, and participate in instrument choirs and other Solo and Ensemble opportunities. Standard Concert Dress is required for all students in this band.
1. Chromatic scale as listed on the PDF under Track 1.
2. Prepared etude(s). See Files page in Charms.
This ensemble is for developing wind musicians at Union. grades 10-12. This class focuses on the development of musicianship through the study and performance of intermediate level wind literature. All students enrolled in Symphonic Band perform with the pep band at all home football games, and participate in instrument choirs. Standard Concert Dress is required for all students in this band.
This ensemble is for 9th grade wind musicians at Union. This class focuses on the development of musicianship through the study and performance of intermediate wind literature. All students enrolled in Concert Band perform with the pep band at all home football games. Standard Concert Dress is required for all students in this band.


It is now widely accepted that there is competition between cities for a variety of resources and for some events. In a globalizing world, there is competition for an enhanced share of global corporate and public investment in enterprises and infrastructure. Populations, especially skilled and creative workers, are increasingly mobile and cities will compete to attract them often through enhanced quality of life. Corporate enterprises are now much more mobile, partly because they have been more dependent on the transmission of information and knowledge to conduct their business, and partly because they are more likely to regard the world as their market and source rather than merely local or regional catchment areas. Competition has been fostered by the growth of multinational free-trade areas such as the European Single Market and NAFTA (North American Free Trade Agreement), and by national bodies such as the UK Monopolies and Mergers Commission. Porter (1998) argued that cities can compete in the way that firms and nation states compete, albeit by using different strategies and measuring their competitive success in terms of different objectives. Krugman (1991) argued that cities do not compete because they do not have a single decision-making body (such as a corporate board of management or a national government with powers over interest or exchange rates), but his views have largely been superseded by a volume of work stressing the role of competition and competitiveness between cities (Begg, 2002).


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December 2022 | Written by: NOWINCLUDED
Lupus and 6 Other Autoimmune Diseases that Can Cause Pregnancy Complications for Black Women
Pregnancy comes along with a host of emotions, and it also takes a toll on the body. For Black women — many of whom are understandably focused on increasing their odds of a safe, healthy pregnancy — having an autoimmune disease can add on even more emotional and physical stressors.
Lupus is an example of an autoimmune disease that disproportionately affects Black women and can affect pregnancy in many ways. But there are also several other autoimmune diseases pregnant Black women should be aware of.
Pregnant people with autoimmune diseases can have healthy pregnancies. But it's important to understand what the potential risks and complications are so that you can work closely with your doctor and care team to increase your odds of a healthy pregnancy. After all, knowledge is power.
What is an autoimmune disease?
Your immune system helps protect your body from foreign objects — like germs, for example. In this way, your immune system helps you prevent or fight off infections.
When someone has an autoimmune disease, it means that the body mistakenly thinks that some part of itself is the foreign object, and the body attacks itself. This causes the primary symptoms of autoimmune disease: inflammation, or swelling and/or redness, and pain.
How can autoimmune diseases complicate pregnancy?
In general, autoimmune diseases affect women more than men, possibly due to the many hormonal changes women experience over their lives.1 These changes happen during puberty, reproductive age across the menstrual cycle, menopause, and of course, pregnancy.
Autoimmune diseases can cause pregnancy complications because of their potential effects on the pregnant person and on the fetus or baby. Some medications the pregnant person is taking to manage their autoimmune condition might be unsafe during pregnancy, which means the person might have to switch to different medications — that may or may not treat their condition as well — or otherwise risk negatively affecting the fetus or baby.
Which autoimmune diseases complicate pregnancy?
What it is: Lupus is an autoimmune disease that usually affects the skin, joints, kidneys, and heart. There are four types of lupus: neonatal lupus, drug-induced lupus, cutaneous lupus (limited to the skin), and systemic lupus erythematosus (SLE). SLE is the most common form of lupus.2
Risk to pregnant Black women: Black women are the most likely to develop SLE of any other race or gender. Additionally, they have the worst outcomes when it comes to SLE progressing and getting worse over time.3
Potential pregnancy complications: The CDC recommends that women with SLE ensure their condition is controlled for at least 6 months before getting pregnant.4 Women with lupus can have healthy pregnancies, but their pregnancies are always considered high-risk. Having high blood pressure, kidney problems, blood clotting issues can further increase the risk of pregnancy complications for women with lupus.5
Lupus can increase the risk of premature birth, miscarriage, stillbirth, or having a baby with neonatal lupus. But not all babies born to a mother with SLE will develop neonatal lupus, and even those who do often grow out of it.
About 2 in 10 pregnant women with lupus develop preeclampsia, or high blood pressure during or soon after pregnancy.4 Preeclampsia is an emergency and may require early delivery of the baby if the mother is still pregnant.
Antiphospholipid syndrome
What it is: Antiphospholipid syndrome happens when antibodies — which are supposed to attack foreign objects — attack tissues in the body instead. This causes blood clots to form in different parts of the body, including the legs, lungs, and kidneys.6
Risk to pregnant Black women: Antiphospholipid syndrome is one of the four most severe complications of SLE and therefore is of important concern for Black women.
Potential pregnancy complications: Antiphospholipid syndrome can increase the risk of miscarriage or stillbirth, can cause high blood pressure — including preeclampsia — and can stunt the growth of the fetus.7
What it is: Rheumatoid arthritis (RA) happens when antibodies attack the joints. People with RA may have flare ups where symptoms are worse for a period of time.
Risk to pregnant Black women: Unfortunately, there isn't much data that shows exactly how many Black people have RA. Based on what we do know, Black patients with RA are least likely of all racial groups to receive the drugs of choice for RA treatment, disease-modifying anti-rheumatic drugs (DMARDs), to manage their disease.8
Potential pregnancy complications: RA is an autoimmune condition that may actually improve during pregnancy. However, pregnant people can develop new RA during pregnancy or just after delivery. One study showed that RA improved in 60% of patients with RA during pregnancy. During the postpartum period, RA flared in about 46% of those patients.9
According to the Arthritis Foundation, the biggest risk of complications — like preterm birth and having a baby that's small for its gestational age — happens with women whose RA is not controlled.9 Women with RA may also have more trouble getting pregnant if their RA is not controlled.10
What it is: Scleroderma — which literally means "hard skin" — is an autoimmune disease that affects connective tissue and the joints in the body.11 Scleroderma causes inflammation and prompts the body to make more collagen than it needs, which creates hard, tight skin.
Risk to pregnant Black women: About 60% of people with scleroderma are women, and of those, most are Black or Hispanic.12 Black people are more likely to develop scleroderma at younger ages, and when they do get it, they're more likely to have skin-related symptoms and lung disease.13
Potential pregnancy complications: The Arthritis Foundation recommends "waiting at least three years after your scleroderma diagnosis to become pregnant," mainly because the disease can be highly unpredictable during that initial time range. If the disease is stable, then it's likely to remain stable throughout a pregnancy.14
Up to 10% of women with scleroderma have two specific antibodies called anti-Ro and anti-La. Women with these antibodies have a low risk of having a baby with a congenital heart block or abnormal heart rhythm. Women with scleroderma are more likely to have placental insufficiency, meaning that the fetus or baby doesn't get the full blood supply they should and is more likely to have a low birth weight.14
Sjogren's syndrome
What it is: Sjogren's is an autoimmune disease that affects the entire body, especially the muscles and joints. The two most common problems are dry eyes and dry mouth, but many more problems can occur, including internal organ issues, nerve problems, and blood cancers.15
Risk to pregnant Black women: Black people with Sjogren's syndrome are more likely to be diagnosed at earlier ages — seven years earlier, by some estimates — than white individuals are.16
Potential pregnancy complications: It's important to know that most women with Sjogren's will have healthy babies, but complications can come along with pregnancy and the disease. Sjogren's is one of the autoimmune conditions that typically gets worse during pregnancy and the postpartum period.17
In addition to pregnancy complications for the pregnant person, Sjogren's can also create risk for the fetus or baby. Two of the main potential outcomes include neonatal lupus and congenital heart block, which can be severe.17 These are most likely to occur in the babies of women who have specific antibodies called SSA or SSB antibodies, the major antibodies in Sjogren's syndrome.18
Immune thrombocytopenia
What it is: Immune thrombocytopenia purpura (ITP) is an autoimmune disease that affects cells in your blood — specifically, platelets.7 Platelets help your blood clot so that you don't bleed continuously if you have a cut or wound. But people with ITP have fewer platelets, so their blood doesn't clot easily.
Risk to pregnant Black women: Thrombocytopenia happens four times more often in pregnant women than in non-pregnant women. It's also a condition that can develop as a result of SLE. When that happens, it's known as secondary ITP.19 Black and Hispanic patients have the highest incidence of secondary ITP as a result of SLE.20
Potential pregnancy complications: ITP can cause pregnant people and their babies to bleed too much. There's an increased risk of spontaneous bleeding, placental abruption (when the placenta separates from the uterus), and life-threatening postpartum hemorrhage, in addition to stillbirth, fetal loss, and premature delivery.19,21
What it is: In general, myasthenia gravis (MG) is an autoimmune disease that causes weakness in your skeletal muscles — the muscles you intentionally use to do things like move your arms or walk. This muscle weakness gets worse during activity and gets better after rest.22 MG most often affects women in their 20s and 30s.23
Risk to pregnant Black women: Black patients are more likely to develop MG earlier than whites are. And their disease also tends to be more severe.24
Potential pregnancy complications: Whether or not MG will negatively affect someone during pregnancy varies from one case to the next. Some women report no change in their condition, while others report improvement, and still others report worse symptoms.23
In most cases MG doesn't affect the pregnancy itself,23 but the antibodies that cause this condition do cross the placenta from mother to fetus. So there's a 1 in 5 chance that a baby whose mother has MG will be born with the condition too. The good news is that once the mother's antibodies disappear, the effects of MG on the baby should also disappear.7
So, what can I do if I have, or a loved one has, an autoimmune disease and become pregnant?
If you have an autoimmune disease and become pregnant, you should stay closely connected to your care team – which may include an OB/GYN (or a high-risk pregnancy doctor), a rheumatologist, and a pediatrician.
If you're not pregnant yet, but plan to be, you'll want to let your care team know so that they can help develop a care plan that helps you control your disease with medications that would be safe for you and a future pregnancy.
Here are 3 questions you can consider asking:
Could my condition or the medications I take for it affect my ability to get pregnant?
Can any of the medications I take negatively affect a pregnancy/fetus/baby?
Could my condition get worse or get better during pregnancy?
Conversation starters:
Do you know anyone who has been diagnosed with lupus?
Which of these conditions were you most surprised to learn more about?
Sohn, E. Why autoimmunity is most common in women. Nature, 2021;595,S51-S53. doi: https://doi.org/10.1038/d41586-021-01836-9
Centers for Disease Control and Prevention. Systemic Lupus Erythematosus (SLE). https://www.cdc.gov/lupus/facts/detailed.html#sle
Chae, D. H., Martz, C. D., Fuller-Rowell, T. E., et al. Racial Discrimination, Disease Activity, and Organ Damage: The Black Women's Experiences Living With Lupus (BeWELL) Study. American journal of epidemiology, 188(8), 1434–1443. https://doi.org/10.1093/aje/kwz105
Centers for Disease Control and Prevention. Pregnancy and Lupus. https://www.cdc.gov/lupus/basics/pregnancy
Lupus Foundation of America. Lupus and Pregnancy. https://www.lupus.org/resources/planning-a-pregnancy-when-you-have-lupus
Mayo Clinic. Antiphospholipid syndrome. https://www.mayoclinic.org/diseases-conditions/antiphospholipid-syndrome/
Merck Manual. Autoimmune Disorders During Pregnancy. https://www.merckmanuals.com/home/women-s-health-issues/pregnancy-complicated-by-disease/autoimmune-disorders-during-pregnancy
Yip, K., & Navarro-Millán, I. (2021). Racial, ethnic, and healthcare disparities in rheumatoid arthritis. Current opinion in rheumatology, 33(2), 117–121. https://doi.org/10.1097/BOR.0000000000000782
Arthritis Foundation. Rheumatoid Arthritis and Pregnancy. https://www.arthritis.org/health-wellness/healthy-living/family-relationships/family-planning/rheumatoid-arthritis-and-pregnancy
Arthritis Foundation. About Arthritis. https://www.arthritis.org/
University of Michigan Health. What is Scleroderma. https://www.uofmhealth.org/conditions-treatments/rheumatology/what-scleroderma
Medical University of South Carolina. Researchers Take a Multifaceted Approach to Understanding Autoimmune Disease Disparities. https://medicine.musc.edu/departments/dom/news-and-awards/2022/may-2022/understanding-autoimmune-disease-disparities
National Institute of Arthritis and Musculoskeletal and Skin Diseases. Scleroderma. https://www.niams.nih.gov/health-topics/scleroderma
Arthritis Foundation. Scleroderma and Pregnancy. https://www.arthritis.org/health-wellness/healthy-living/family-relationships/family-planning/scleroderma-and-pregnancy
American College of Rheumatology. Sjogren's Syndrome. https://www.rheumatology.org/I-Am-A/Patient-Caregiver/Diseases-Conditions/Sjogrens-Syndrome
The Rheumatologist. Location & ethnicity affect manifestations of primary Sjogren's syndrome. https://www.the-rheumatologist.org/article/location-ethnicity-affect-manifestations-primary-sjogrens-syndrome/
Gupta, S., & Gupta, N. (2017). Sjögren Syndrome and Pregnancy: A Literature Review. The Permanente journal, 21, 16–047. https://doi.org/10.7812/TPP/16-047
Sjogren's Foundation. Pregnancy and Sjogren's. https://www.sjogrens.org/living-with-sjogrens/pregnancy-and-sjogrens
Huang, Q. S., Zhu, X. L., Qu, Q. Y., et al. Prediction of postpartum hemorrhage in pregnant women with immune thrombocytopenia: Development and validation of the MONITOR model in a nationwide multicenter study. American journal of hematology, 96(5), 561–570. https://doi.org/10.1002/ajh.26134
Kim, T. O., Grimes, A. B., Kirk, S. E., et al. Racial variation in ITP prevalence and chronic disease phenotype suggests biological differences. Blood, 136(5), 640–643. https://doi.org/10.1182/blood.2020004888
Wyszynski, D. F., Carman, W. J., Cantor, A. B., et al. (2016). Pregnancy and Birth Outcomes among Women with Idiopathic Thrombocytopenic Purpura. Journal of pregnancy, 2016, 8297407. https://doi.org/10.1155/2016/8297407
National Institute of Neurological Disorders and Stroke. Myasthenia Gravis Fact Sheet. https://www.ninds.nih.gov/myasthenia-gravis-fact-sheet
Bansal, R., Goyal, M. K., & Modi, M. Management of myasthenia gravis during pregnancy. Indian journal of pharmacology, 50(6), 302–308. https://doi.org/10.4103/ijp.IJP_452_17
Myasthenia Gravis. The impact of ethnicity in myasthenia gravis. https://myasthenia-gravis.com/living/ethnicity-impact
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4 Conditions Linked to Poor Gut Health + 3 Tips for Improving It
"To successfully manage gut health, it is vital that you not only advocate for your own health but that you partner...
7 Respiratory Illnesses You Should Know about This Winter
None of us are strangers to respiratory conditions. You or a loved one may have a chronic disease, like asthma....
What You Need to Know about Clinical Research, Including 3 Protective Measures for Black Participants
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The following bear attractants should be managed to ensure bears don't move into your neighbourhood. Use this checklist to ensure that bears do not become human food conditioned and/or habituated due to your carelessness. This will help reduce safety concerns surrounding bear encounters and the unnecessary destruction of bears.
• Pick fruit and allow it to ripen indoors or pick daily as it ripens. Do not allow windfall to accumulate on the ground.
Keep chickens in at night.
Use bird baths or native plants to attract birds without attracting bears.
Do not add fish, meat, fat, oils, un-rinsed eggshells or any cooked food .
Avoid overloading the compost in fruit season – freeze material and add gradually.
Food smokers and the preparation and curing of wild meat can be an attractant – consider using electric fencing or an electrified mat.
These guidelines are based on the best known current research but do not guarantee the safe outcome of an encounter with a bear.


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Sir Ebenezer Howard (1850 – 1928)
Ebenezer Howard was a major figure in the history of town planning, recognised internationally for inspiring the 'garden city' movement.
Howard was born in London in 1850, the son of a baker. He left school at 15 and worked as an office clerk until 1871, when he left for Chicago. After five years he returned to London and worked for the rest of his career preparing the official record of debates in the British Parliament, a job that gave him valuable knowledge of politics and reform.
He published his ideas in To-Morrow: A Peaceful Path to Real Reform (1898), later revised as Garden Cities of To-Morrow (1902). In this book he suggested that people should not need to choose between town or country but be able to live in 'town-country' with the best of both. His work was a reaction against overcrowding in industrial cities and the unplanned sprawl of suburbs, influenced by thinkers such as William Morris and the factory villages of philanthropic industrialists.
His primary concept was a city that gave residents gardens, trees and public open space. It was a complete community where people both lived and worked, not a 'dormitory' for commuters. It had excellent facilities, including provision for the poor and less able, and a green belt to prevent expansion. Howard also promoted mechanisms for managing each city as a democratic corporation of occupiers. In 1899, he founded the Garden Cities Association (now the Town and Country Planning Association), which continues to campaign for humane and sustainable environments.
Two garden cities were built with Howard's involvement, north of London: Letchworth, begun in 1903, and Welwyn Garden City, begun in 1920. They promoted a neo-vernacular architectural style influenced by the Arts and Crafts movement. Numerous smaller garden suburbs and garden villages were built, of which the earliest were Bentham in south-east London and New Earswick near York. Garden cities and garden suburbs evolved worldwide, including European settlements such as Wekerle at Budapest, Nikiszowiec Settlement (in Katowice) Poland, Puerta de Sagunto in Spain and Marga Garden City (Senftenberg), Hellerau (Dreden) and Margarethenhőhe (Essen) in Germany.
Howard died at Letchworth in 1928, a year after he was knighted. From 1946, the British government established a series of 'New Towns' inspired by his philosophy, including Milton Keynes which fulfilled his vision of a network of garden towns around a central garden city and now has a quarter of a million inhabitants.
Nikiszowiec Settlement, Katowice | Poland
Museum Miner's house, Maasmechelen | Belgium
Hellerau Garden City, Dresden | Germany
Margarethenhőhe Settlement, Essen | Germany
Marga Garden City, Senftenberg | Germany
Wekerle Estate, Budapest | Hungary
Welwyn Garden City, Hatfield | United Kingdom
Letchworth Garden City, Letchworth Garden City | United Kingdom
Garden Village of New Earswick, York | United Kingdom
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Native People's Land Rights Placed Above Industrial Interests.
Posted byraburcke	 July 11, 2014 July 11, 2014 Leave a comment on Native People's Land Rights Placed Above Industrial Interests.
From takepart.com:
A Kermode bear in British Columbia. (Photo: Stephen Harrington/Getty Images)
The recent landmark Canadian Supreme Court decision granting land rights to the Tsilhqot'in First Nations for a long-contested 1,750-square-kilometer swath of British Columbia could be a conservation coup of historic proportions, with consequences for wilderness battles raging across the country.
"Aboriginal title confers the right to use and control the land and to reap the benefits flowing from it," wrote Chief Justice Beverley McLachlin.
Countless contested land claims—including areas with proposed mines and oil pipelines—will now be called into question.
Past rulings have established a duty for government and industry to seek "consultation" from First Nations over proposed developments and resource extraction. No longer. The unanimous Supreme Court decision requires the consent of native title holders.
"We've pretty much blown the doors off the colonial notion of denying indigenous land rights," said Chief Stewart Phillip, president of the Union of British Columbia Indian Chiefs.
Past court rulings had distinguished between title claims based on permanent habitation by First Nations and land used only seasonally. The Supreme Court ruling does away with that distinction.
"This decision goes so much further than previous decisions and gives rights to the land—not in a token way, where you establish traditional use sites for ceremonial or burial places," said Peter Wood, a campaign director for the Canadian Parks and Wilderness Society British Columbia. "This extends to the total usage of land required to maintain their traditional way of life. Essentially this says first rights of the land goes to First Nations. We're still contemplating the repercussions, but it seems like a game changer."
To read more click the link at the top!
Posted byraburcke July 11, 2014 July 11, 2014 Posted inMiscellaneousTags: Native People's Land Rights Placed Above Industrial Interests.
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Australia's recycling opportunity emerges as batteries boom
Australia's national science agency has identified a potential AUD 3.1 billion ($2.4 billion) industry, as the increasing penetration of renewable energy continues to drive growth in the battery energy storage sector.
May 6, 2021 David Carroll
From pv magazine Australia
Batteries are becoming crucial enablers of Australia's transition to renewable energy. The Commonwealth Scientific and Industrial Research Organisation (CSIRO) has identified an increase in battery usage across all sectors, including large-scale, distributed energy resources and the electrification of transport, as the driver for a potential AUD 3.1 billion ($2.4 billion) lithium-ion battery recycling industry.
First commercialized in the 1990s, lithium-ion batteries are a relatively new technology. But the market has undergone substantial growth in recent years and the CSIRO has predicted that demand for batteries will accelerate going forward.
"The demand for lithium-ion batteries is increasing globally, fueled by the increasing electrification of transport and the renewable energy generation storage sector," said Dr. Anand Bhatt, lead author of the Australian Landscape for Lithium-Ion Battery Recycling and Reuse in 2020 report.
While the electric vehicle (EV) market remains negligible in Australia, accounting for just 0.7% of the 1 million new cars sold annually, the distributed and large-scale battery energy storage sectors continue to grow. Solar market research firm SunWiz has calculated that 31,269 new residential batteries, or 340 MWh, were installed across the nation last year. Data provided by the Clean Energy Council (CEC) indicates that since 2018, 8.9 GW of large-scale battery storage has been financially committed, proposed and or approved in Australia.
Clean Energy Council Chief Executive Kane Thornton said that growth is expected to continue in 2021, with 15 large-scale battery projects already announced this year, representing 6.6 GW of storage and AUD 4.3 billion in investment.
"The commercial case for batteries will continue to improve as battery technology advances and new markets are established to reward the services they provide," Thornton said.
Australia's largest energy retailer, AGL, is among those leading the battery charge. Last year it announced plans to add 850 MW of new large-scale battery storage to its energy generation portfolio by 2024.
The gen-tailer has already announced plans for a 250 MW battery project on the site of its retiring gas-fired Torrens Island Power Station in South Australia, along with a series of other mega-storage facilities. Developers led by Neoen, network owners such as Spark Infrastructure, and service providers such as Transgrid have also announced new battery projects.
However, the CSIRO has warned that as demand grows for energy storage and batteries, so too does the amount of lithium-ion battery waste. The science agency said lithium-ion batteries generally have a lifespan of five to 10 years (but current development trends are increasing this to 10 to 15 years). This, combined with batteries used in renewable energy storage systems, means a large volume of end-of-life batteries will soon be on our doorstop.
"This growth is leading to an emerging problem of end-of-life waste management," Bhatt said.
CSIRO research shows that lithium-ion battery waste is growing by 20% a year and could exceed 100,000 tons by 2036. The agency said lithium-ion batteries pose environmental and safety concerns, but Associate Professor Jo Staines, enterprise fellow at the University of Melbourne and program lead for the Future Battery Industries Cooperative Research Centre, said incorrect disposal is also a missed economic opportunity.
"Lithium-ion batteries contain valuable battery metals and materials that should be recycled and reused," Staines said. "The conundrum we face in Australia is that we don't currently have the volume of spent lithium-ion batteries to justify significant investment, but we want to keep them out of landfill to prevent environmental damage and retain those valuable battery materials in our economy."
While companies like Melbourne-based Relectrify are pursuing opportunities to repurpose batteries, a 2018 CSIRO report indicates that only 2% of Australia's lithium-ion battery waste is re-used or recycled.
"The value for Australia is threefold," Bhatt said. "We can draw additional value from existing materials, minimize impact on our environment, and also catalyze a new industry in lithium-ion re-use/recycling."
The latest report identifies 18 opportunities for industry, government and research institutions to strengthen and grow Australia's domestic recycling capability. The CSIRO claims that Australia could lead the world in the re-use and recycling of lithium-ion batteries. Among those opportunities identified in the report are exploring a National Product Stewardship for all batteries and increasing research into developing end markets for the recovered battery materials.
David is a senior journalist with more than 25 years' experience in the Australian media industry as a writer, designer and editor for print and online publications. Based in Queensland – Australia's Sunshine State – he joined pv magazine Australia in 2020 to help document the nation's ongoing shift to solar.
More articles from David Carroll
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Hearing Loss: Would Your Hobbies Put You at Risk?
by Hearts for Hearing | May 23, 2018 | Hearing Loss Articles
What do people in this country do on their days off? You can understand more about a person by looking at the things they do to relax. For instance, the American Time Use Survey produced by the Bureau of Labor Statistics states you are able to judge how much a person makes if you know their favorite hobby. It seems the more money you have, the more free time you spend improving your appearance at the gym, jogging or playing games on the weekend. Clearly, there is a major difference between the person who jumps out of a plane for fun and the one who hits the golf course once a week, right? The skydiver is looking for adventure, and the other person wants a life without the adrenaline surge.
These same things you do to relax relate to your hearing health, as well. You think what you enjoy on your days off is fun but what is it doing to your ears? Take some time to think about what you like to do and how it might affect your hearing.
Could a Hobby Lead to Hearing Problems?
When it comes down to it, noise is the major culprit in hearing loss. According to the Center for Disease Control and Prevention, noise that falls at a certain volume level will damage to the delicate mechanisms of the ear like:
Hair cells
Sound goes into the ear in a wave. How strong that wave depends on different factors like volume and distance, which are two of the most important. The sound goes through the ear canal to be amplified by the eardrum, or tympanic membrane, as it enters the middle ear.
In your middle ear, you'll find three small bones that work together to transmit vibrations caused by this amplified sound wave, pushing it towards a flexible membrane that sits at the base at of the inner ear. The combination of the bones and the membrane further strengthen the wave.
The vibration caused by this stronger sound wave vibrates the fluid in the cochlea, a chamber in the inner ear. When that happens, the movement sways the tiny, and very delicate, hair cells to create a kind of electrical message. Simply put, the hair cells translate this sound wave into something the brain can understand. Once it gets that electrical signal, the brain can tell you what you are hearing.
For example, think about when you turn the radio on in the car. The music goes into the ears as a sound wave with the help of the pinna, or outer ear. The wave is strengthened by the tympanic membrane to move the small bones, so they can vibrate the membrane at the entrance to the cochlea. This membrane moves the fluid in the cochlea which causes the hair cells to send an electrical message to the brain. The brain decodes the message and sends a signal that tells you there is music playing. All the happens in a nanosecond and without you even having to think about it. Not only do you hear the sound, you understand it, you know what direction it is coming from and whether you enjoy or hate it.
What If You Turn the Volume Up
Now, consider someone running in the park wearing headphones. It's a little bit like firing a gun from point blank range. The sound wave that goes the ear is already loud, maybe enough to damage the eardrum. It's certainly strong enough to cause the bones in the middle ear to move dangerously fast, creating a larger wave in the fluid of the inner ear; one that will eventually break the hair cells.
Maybe your favorite hobby is riding a motorcycle. The sound caused by the engine roar is will lead to similar damage. Decibel (dB) is the measurement associated with sound. Any noise above 85 dB can mean hearing loss. The average motorcycle engine generates around 100 dB of sound. The traffic you hear when driving in your car to the golf course is around 85 dB. The lawn mower comes in at about 107 dB.
What Hobbies can Cause the Most Hearing Damage
Anything you do that involves sound over 85 dB is a problem. Normal conversation or music playing at a reasonable volume measures at about 70 dB to give you an idea of what sounds might be a problem. Some of the top hobbies that can cause ear damage include:
Motorcycle riding
Sporting or music events
Driving with the top down
Add to this list the things you do with headphones or earbuds in place including video games or listening to music.
What Should You Do To Protect Your Hearing
You don't have to give up the fun things to keep your ears safe, just be smart about what you do. First and foremost, don't wear headphones or earbuds for anything. If your hobby requires you to used drills or hammer, wear hearing protection such as ear plugs or muffs. If you love live music at a sports arena or local bar, consider musician earplugs that preserve sound quality but reduce the noise exposure.
You only have two ears, so do right by them. Go ahead and have some fun on your day off, just turn down the volume.
The site information is for educational and informational purposes only and does not constitute medical advice. To receive personalized advice or treatment, schedule an appointment.
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When the Obra Dinn, a sizable merchant ship believed to be lost at sea, drifts into port one day in 1808, you, as a 19th-century insurance loss adjuster, are dispatched to figure out what happened. On board, you find rag-draped skeletons littered around, snapped rigging, and mysterious gashes in the deck. So begins the arduous but captivating task of reconstructing the ship's journey, identifying the remains of the 60-odd bodies and, most challenging of all, the precise fate of each man and woman for whom the Obra Dinn offered a final voyage and resting place.
As with Papers Please, the game for which designer Lucas Pope is best known – in which you play an eastern European border checkpoint agent deciding who to let into the country and who to turn away – the drama is viewed through an administrative lens. You must parse and document everything, ensuring the correct names are written into the appropriate blanks in the manuscript once you have deduced, for example, the identity of a sailor crushed by falling rigging, or a passenger who succumbed to disease. But unlike Papers Please, this grand puzzle is infused with a hint of the supernatural. Among the ship's artefacts, which include a manifest, a crew list and a couple of hand-drawn sketches (all essential clues in your detective work), you also find a magical pocket watch inside a casket, which can be used to trigger a flashback whenever you encounter a corpse.
Each flashback is heard not seen, with dialogue that often contains names or other clues that will help you in your work. Once the scene has played out, you are placed, momentarily, within a frozen diorama, free to walk around, examine and deduce who is present, how they met their end, and, by cross-referencing other gathered clues and identities, at whose hands. You enter these details in your notebook, and the game only confirms correct deductions every time you successfully detect the identity and fate of three individuals. In this way you meticulously build an accurate picture of the fate of the Obra Dinn.
The ghostly crew of the Obra Dinn.
Many video games cast us as detectives, but few before have managed to replicate the laborious if rewarding job of clue-gathering, cross-referencing and extrapolation involved quite as well as Pope manages here. Neither has any game managed to induce such a heady sense of elation as you crack each case within a case. Moreover, rarely has a game put together such a transporting picture of historical life, with all the complex facts of rank, class and power dynamics.
It's all so meticulously constructed. As your investigations deepen and widen, the sheer ingenuity of the grand puzzle at work here is gradually revealed. The scratchy, lo-fi aesthetic (a few "filters" can be chosen, each one a tribute to a different early 1980s computer graphics style) might give a casual viewer the impression that the game has been quickly made, but when you perceive the superstructure, it's clear that Pope has taken his time. The idea is filled out exquisitely; few independent developers can afford to let their projects blossom and mature in this way.
In part that's down to the smash hit success of Papers, Please, on whose proceeds this more ambitious project is built. More importantly, Pope, an American who lives in Tokyo, and mostly works alone, is something of a renaissance man, with an unusual talent for game design. Obra Dinn's little dioramas of drama intersect one another with unrivalled elegance, providing intriguing lines of inquiry that reach out beyond the screen, into the mind of the player, where they take up a secondary residence.
Set in the last year of the 19th century, Red Dead Redemption 2 presents the vanishing world of the American wild west, where gunslingers and moonshine outlaws have become, almost, relics of a former realm. The countryside, however, remains untamed, and never before has the old America been evoked with such care and effort to a video game. Days can be lost in these verdant hills and valleys, home to your character, Arthur Morgan, and the rest of the Van der Linde gang who, following a botched robbery, live a nomadic existence while attempting to make it out of this transitional period of history with a stolen fortune intact.
Built by Rockstar, wealthy makers of Grand Theft Auto, the game has a scope and intricacy no other company would now dare (or perhaps could afford) to create. It continues the studio's tenacious pursuit of the blockbuster video game as a form of interactive cinema, pushing the player along somewhat inflexible, pre-written narrative lines. But for those who yield to its spell, this is game-making at its most grand and astonishing.


We're back with the 71st post in our special photographic-centric series where we present you with a number of awesome images taken by... well, you (and your cell phones).
So, which picture did you like most last time? The answer is Rick's photo, taken with the Samsung Galaxy Note II. And a pretty well-deserved first place it is, we should say!
Of course, there are many other incredible images left to be seen. Let's continue with another set of 10 pics, each of which can easily convince even the most professionally-inclined photographer that cell phones are more than a toy in the camera department.
Please note that if your own awesome image is not included here, this doesn't mean that it won't end up on the site. We simply might not have gotten to it yet! So, we urge you to continue following us, as we'll be publishing more of these truly great photos in the following days and weeks.
In order to not miss on all the glory, you also have to mention your name/nickname, as well as the phone you used to take the shots. A nice additional piece of info would be a name or a short description for the image.
Number 8? Because it came from a Samsung right? /s I do think number 9 is a lot better compared to number 8.
When I look at my pictures I can't tell if I took them with my 1.3mp, 3.2mp, 5mp,10mp, Droid OG, Droid X, Nexus or Note 2. At the end of the day it's either a good picture or bad picture and it's the memory that counts. We take pictures for the memories and 20 years from now you won't remember or care which camera you used. All the pictures I see are decent. We're getting to caught up in the technical detail. One of the best pictures I have is the first picture with me and my wife after getting married 17 years ago. And it was taken with a 35mm film camera.
OK, with that aside can you now cast your vote please.
There's no competition in this round, 9 is killing it.
the 5 is the BEST!
I voted 8 but I also liked 6, 9 & 10.


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Bach Scholar Michael Marissen Plays Central Role at Composer's Sommerfest
July 23rd, 2008 Alisa Giardinelli
Bach Scholar Michael Marissen Plays
Central Role at Composer's Sommerfest
by Alisa Giardinelli
Each year, New York's Holy Trinity Lutheran Church holds Bach Sommerfest, a mix of religious observances with musical discussions and workshops. According to the New York Times, the lectures and broader discussions at this year's festival, held this weekend, were largely the work of Daniel Underhill Professor of Music Michael Marissen.
Michael Marissen
Although the size of Bach's choruses was the subject of much debate, Marissen, an internationally acclaimed Bach scholar, focused more on how a specific piece may be better served by using a small chorus or a large one. If "the most strident defenders" of one voice per part were using larger forces, he said, their performances "would be almost as anemic and bloodless." more (subscription required)
Last year, Marissen stirred controversy when he wrote what the Timescalled an "unsettling history of that joyous 'hallelujah,'" saying: "Music lovers may be surprised to learn that George Frideric Handel's 'Messiah' was meant not for Christmas but for Lent, and that the 'Hallelujah' chorus was designed not to honor the birth or resurrection of Jesus but to celebrate the destruction of Jerusalem and the Second Temple in 70 CE." Read more in the Swarthmore Bulletin.
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I did ask some questions but not THAT many. Was AB counting my comments and answers as questions?
I seldom ask more than 3 on a row. Scared to! But I answer and comment all day long. I'm sorry that happened.
I was hoping Dan would answer and explain.
How many questions did you adk?
Around 6 before getting shut out then 3 more after I was let back in. I thought they limited you to 20 Q's per hour. Once shut out I wasn't able to answer or even comment on anything. I was shut out as I tried answering your Truth or Dare Question. I was answering - not asking.
I figured. I'm sorry that happened. I know Mr. Pants said he got timed out after asking 7 the last time.
AB hasn't told me I'm asking too many questions yet. Should I keep pushing my luck or are 'yall tired of my Q's ?
I am asking questions around AB for help? my other self says I am becoming too dependent on AB.....So what if I am... Is it wrong to seek answers for questions I don't have answers?


Fit more of your frozen favourites in this Frigidaire upright freezer. With its' compact footprint this freezer easily fits into tight apartments or downtown lofts. A total of five wire shelves leave plenty of space for your TV dinners, ice cream and fruit, so you'll always have a delicious snack or quick meal on hand. cooling system.


There are 16 real estate agents in Woollahra to compare at LocalAgentFinder. The average real estate agent commission rate is 1.74%. In Woollahra over the last 12 months, there has been 156 properties sold, with an average sale price of $1,979,731. Properties in Woollahra spend an average time of 36.40 days on the market.
The most common type of property sold in Woollahra are units with 55.77% of the market, followed by houses, and townhouses.
When you compare agents with LocalAgentFinder, you can compare 16 agents in Woollahra, including their sales history, commission rates, marketing fees and independent homeowner reviews. We'll recommend the top three agents in Woollahra, and provide you with your extended results set so you have the power to make an informed decision on choosing the right agent for your Woollahra property sale. In Woollahra, real estate agents have been ranked highly for skills and attributes such as Negotiation, Communication, Professional, Hard Working, Engaged, and Energetic. We know this because we ask homeowners like you about their experience with real estate agents in Woollahra.


Dom Dom Saddle Picnic area is located on the Black Spur and is accessible from Maroondah Highway.
There are several picnic tables scattered on the site near the carpark. Most are located at the bottom of a grassy hill with no designated access paths. One table in the picnic area is reasonably accessible for strollers and wheelchairs due to its location to the carpark and it being on reasonably level ground. However, fallen forest debris may pose a problem for wheels from time to time. There are no barbecues at Dom Dom Saddle picnic area.


When drawing on a canvas, the canvas's context uses a coordinate system to position lines, rectangles, and other shapes on the canvas.
By default, the origin (0, 0) of the context's coordinate system is the top left corner of the canvas. The x-coordinate is the distance of a point from the origin moving to the right and the y-coordinate is the distance from the origin moving down.
For example, the point (80, 50) is 80 pixels to the right of the origin and 50 pixels down.
To see the coordinates of a point on the canvas, mouse over the grey area in the canvas to the right.
Use the drawPoint() function to draw three points.
Draw the first point at (50, 150), the second point at (200, 100), and the third point at (250, 200).
Use the drawPoint() function to draw points at the four corners of the rectangle.
The top left corner of the rectangle is at (80, 40). The width of the rectangle is 200 and the height is 120.
Hint: The top left corner is 80 to the right and 40 down from the origin and the bottom right corner of the rectangle is 200 to the right and 120 down from the top left corner of the rectangle. Where is the bottom right corner relative to the origin?
Use the drawPoint() function to draw points at the bottom left corner of the green rectangle and the top right corner of the blue rectangle.
The top left corner of the green rectangle is at (40, 180), and its width is 120 and height is 60. The width of the blue rectangle is 220 and its height is 180.
Hint: It's okay to draw extra points to figure out the coordinates of the bottom left corner of the green rectangle and the top right corner of the blue rectangle.