text:
Mother was scammed out of £29,000, but Lloyds showed little empathy
Zoe Wood
Photograph: Chris Dorney/Alamy
My mother, JK, has been a Lloyds Bank customer for 30 years and last summer fell victim to authorised push payment fraud. She was scammed out of close to £30,000.
English is not her first language, and I have been trying to help her get the money back.
She received a cold call from someone claiming to be from Vanguard, the investment firm, offering a chance to invest in cryptocurrency. They persuaded her to make payments totalling £29,167 to a Skrill "crypto wallet" using her savings, as well as loans.
Lloyds initially refused to investigate, and it took great persistence to get it to take up the case. My mother works nights in a factory, and it will take the rest of her life to recover from these financial losses.
In the phone call, outlining the outcome of its investigation, Lloyds admitted there was a language barrier, and that my mother had a low understanding of making financial decisions. But it seems to think she should have been able to protect herself from scammers.
I felt it had zero understanding, or empathy, in relation to the challenges faced by customers from ethnic minority backgrounds, and those from lower socio-economic groups. During the scam she went into a branch to ask for help but did not get any support.
Lloyds' final decision is to reimburse about £2,700, a fraction of what she lost. I want to raise awareness of how Lloyds treats its customers.
VK, Nottingham
Many of those who have never been scammed take a dim view of those who lose their savings to fraudsters because, in the cold light of day, the chain of events can seem extraordinary. Until it happens to them, that is.
Over time, fraudsters duped your mother into sending them her savings, as well as money borrowed from Lloyds and Zopa.
In these kinds of cases, Lloyds considers whether it could have done more to protect the customer, as well as whether the individual did enough to protect themselves. I'm afraid it did not change its mind when we asked it to look at your case.
Your mother did not attempt to check the identity of the cold caller, or research her investment. The bank says it also flagged up that it could not verify the account she was paying into when she set it up using online banking.
Thankfully, her losses have been reduced substantially after some payments were returned, or cancelled, and Zopa wrote off a £20,000 loan. As a result, Lloyds estimates her total loss stands at £8,150.
When your mother took out multiple Lloyds loans – one of which she returned – the bank says it should have contacted her. That is why, under the "contingent reimbursement model" (a voluntary scheme that requires signatory banks to detect and prevent payment scams, and compensate fraud victims who have not been unduly negligent), it is sharing liability for a £5,000 loan.
The bank has refunded £2,715, which includes a small compensation payment because it took too long to investigate. It doesn't think it is liable for the rest.
Lloyds says: "We sympathise with JK as the victim of an investment scam, and have made a partial refund as we recognise we could have done more to prevent some of the payments made. It's really important to treat any unexpected calls with caution, taking your time to do independent research on any investment opportunities, as genuine companies will not rush you into a decision."
As to your concerns about the language barrier, Lloyds says your mother has banked with it since 1993 without raising a complaint, or asking for support. "We're happy to help with any additional support JK may need with her banking, and have written to her directly," it adds.
You are unhappy with the treatment your mother received. I was going to suggest contacting the Financial Ombudsman but you already have, so we wish you luck pursuing the case.
We welcome letters but cannot answer individually. Email us at consumer.champions@theguardian.com or write to Consumer Champions, Money, the Guardian, 90 York Way, London N1 9GU. Please include a daytime phone number. Submission and publication of all letters is subject to our terms and conditions
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To encourage us to consider how we use our time in light of the fact that 21 June is the longest day of the year.
You will need the PowerPoint slides that accompany this assembly (Passing Time) and the means to display them.
Optional: you may wish to ask one of the students to read the passage Ecclesiastes 3.1–8 (the text is given in the 'Time for Reflection' part of the assembly).
Remind the students that 21 June 2019 is the summer solstice, the longest day of the year. Traditionally, the summer solstice is celebrated on 24 June, Midsummer's Day. The summer solstice occurs when the sun is at its most northerly point and appears to be the highest in the sky. On this day, it should remain light for the longest period of time all year. Some people see this as the start of the summer season.
Explain that, as we move forward through June up to this point, the days get longer. However, as soon as 21 June passes by, the days begin to get shorter again. So, it is a good time to remind ourselves how quickly time passes and ask ourselves whether we use our time well.
Tell the students that you are going to show them a series of slides that depict everyday tasks. Ask the students to imagine an average 70-year-old and guess how long this person will have spent doing each of these tasks during his or her 70 years of life. You may like to invite students to come forward and have a team competition as to whose answers are closest to the correct figures. Alternatively, you may prefer to ask them simply to raise their hands to answer.
We spend approximately one-third of our lives sleeping, so the answer is just over 23 years.
An average 70-year-old will have spent six years of his/her life eating.
An average 70-year-old will have spent nine years of his/her life watching TV.
An average 70-year-old will have spent five years of his/her life waiting in a queue (including at traffic lights).
An average 70-year-old will have spent four years of his/her life doing housework.
An average 70-year-old will have spent 18 months of his/her life on the toilet.
An average 70-year-old will have spent 2.5 weeks of his/her life kissing.
Explain that adding together the time taken on these tasks clearly shows that we don't have that long to do other things. This is only a bit of fun, but it does focus our minds on how easy it can be to waste our time. As the students approach exams and end-of-year tests, discuss with them how we all need to use our time wisely. Talk with them, too, about the summer holidays. Ask them to think about things they can do with their time that won't mean they just fritter away every day, but instead, enable them to achieve something positive.
Mention that the Bible speaks about time. There is a well-known poem found in Ecclesiastes 3.
Optional: ask the prearranged student to come to the front to read the following text.
Ask the students to think about their daily routine. Is there any time in that routine for them to be quiet and think, for them to do something to help another person?
Ask the students to think about how they use their time. Set them the challenge of thinking how to use their time wisely this week.
Thank you for our lives and the wonderful opportunities that we have today and in the months and years ahead of us.
Help us to use our time wisely so that our lives will be full of joy and a blessing to other people.


text:
Adalberto Vojtěch Hrubý SDB (23. dubna 1924, Rozstání – 3. února 2010, Řím) byl český katolický kněz, člen řádu salesiánů, ředitel poutního domu Velehrad v Římě a distributor náboženské literatury v době komunistické totality.

Studium
Vyučil se pánským krejčím. Pohyboval se mezi mládeží a spolupracoval s režisérem ochotnického divadla, kde se naučil dobře zpívat. Rozhodl se pro duchovní povolání a v roce 1945 nastoupil do salesiánského aspirantátu ve Fryštáku. Po absolvování noviciátu v letech 1947–1948 v Hodoňovicích složil první řeholní profesi (slib). Dále absolvoval v letech 1948–1950 filosofický studentát v Přestavlkách, který však byl ukončen násilným přepadením Státní bezpečností v noci ze 13. na 14. dubna 1950, a přepadení v rámci Akce K skončilo internací představených. Studenti bohosloví zůstali do konce školního roku na místě pod dohledem malé policejní posádky. Když byl posléze ústav rozpuštěn, dostali klerici povolení ukončit středoškolská studia pouze na území Olomouckého kraje. Hrubý vytvořil v Lipníku nad Bečvou s několika dalšími bohoslovci "komunitu" a v roce 1951 úspěšně složil v Lipníku nad Bečvou maturitu na tamním státním gymnáziu. Ke studiu na vysoké škole však nedostal povolení a proto pracoval jako dělník v Opavě v podniku na výrobu šicích strojů.

Emigrace
Dne 6. července 1952 se mu podařilo ilegálně přes Rakousko odejít do Itálie. V letech 1952–1956 absolvoval teologická studia na Teologickém institutu san Tommaso v Messině na Sicílii. Prázdniny strávil na Sicílii v tamní noviciátní komunitě San Giorgio. Na kněze byl vysvěcen v Messině 29. června 1956 biskupem Tonettim společně s dalšími českými salesiány: Ladislavem Dittrichem a Janem Homolou. V letech 1956–1958 absolvoval studia na Vyšším pedagogickém institutu salesiánů v Turíně. Tato studia zakončil licenciátem teologie.
V letech 1958–1959 působil v Římě v komunitě Sacro Cuore a v letech 1959–1966 pracoval pro Papežskou salesiánskou univerzitu (PAS – Pontificio Ateneo Salesiano). Dále se stal sekretářem časopisu "Orientamenti Pedagogici" v letech 1958–1960, a posléze v letech 1960–1964 se angažoval v univerzitním nakladatelství PAS Verlag a v Salesiánské univerzitní knihovně (LAS – Libreria Ateneo Salesiana).
Začal pracovat pro mládež českých exulantů, a to již krátce po svém vysvěcení na kněze. Organizoval letní tábory ve spolupráci s paní Kvapilovou z norsko-československého podpůrného spolku. Po nuceném odchodu kardinála Berana z ČSSR a po jeho příchodu do Říma v roce 1965 dostal Hrubý povolení svých představených věnovat se zcela práci pro české exulanty.

Poutní dům Velehrad v Římě
Činnost letních táborů pro české exulanty se rozšířila na tábory ve Švýcarsku, Holandsku, Itálii. V jižních Tyrolích jsou pod jeho vedením zakoupena bývalá kasárna italských celníků v St. Martino in Cassies. V roce 1966 zakládá kardinál Beran České náboženské středisko Velehrad v Římě a díky intervenci papeže Pavla VI. získává do vlastnictví dnešní sídlo Velehradu na Via delle Fornaci 200 v blízkosti Vatikánu. Středisko dosáhlo v roce 1968 právního uznání jak ze strany italského státu, tak i ze strany církevní (Římského vikariátu). Hrubý přináležel od roku 1966 ke komunitě Sacro Cuore v Římě a zároveň byl sekretářem kardinála Berana a Českého náboženského střediska Velehrad. V letech 1984–1994 byl gestorem poutního domu a v roce 1994 se stal ředitelem nově zřízené salesiánské komunity v tomto domě. Tuto službu vykonával až do roku 1998, kdy ji převzal Jiří Sedláček.

Hrubý se angažoval při pomoci katolíkům v Československu. Obstarával auta pro kněze, finanční příspěvky v tuzexových bonech, řídil distribuci zasílání české náboženské literatury. Rovněž navštěvoval krajany v zahraničí, prosil o finanční výpomoc pro rozšíření pastoračního působení. V roce 1984 onemocněl, zřejmě v důsledku vyčerpání, a musel se léčit. Od roku 1990 znovu pokračoval téměř stejným tempem a se stejným nadšením ve prospěch českých katolíků v zahraničí. Stará se o poutní dům, věnuje se poutníkům, zasvěceně a obětavě je provází po římských památkách. Z tohoto důvodu se přičiňuje se o vydání knihy Česká zastavení v Římě. Tato kniha byla pak znovu vydána i v roce 2000 nakladatelstvím Portál. Postupně pocítil úbytek sil a přicházejí chvíle, kdy je netrpělivý a nevrlý. Přes tyto obtíže nepřestává naplno žít pro poslání, které mu je svěřeno. Je zajímavé, že ani po roce 1990 se do České republiky již nevrátil ani nepodíval. Důvodem bylo jeho přesvědčení, že jeho místo je v Římě.

Závěr života
Dne 28. ledna 2010 musel být hospitalizován v nemocnici Villa Betania, kde působí sestry františkánky. Přijal svátost nemocných. Ještě v den úmrtí (3. února 2010) ho navštívily sestry františkánky a personál z poutního domu Velehrad, aby se s ním rozloučil. Kněz pověřený pastorací v nemocnici (nemocnicní kapla) byl u jeho lůžka ve chvíli smrti.
Poslední rozloučení s ním proběhlo v sobotu 6. února 2010 v 10 hodin v kostele Santa Maria della Speranza v blízkosti Papežské salesiánské univerzity. Díky tomuto místu, se rozloučení mohl zúčastnit i další český exulant a salesián don Oldřich Přerovský, který pobývá na univerzitní nemocničce s amputovanou nohou. Vojtěch Hrubý byl pohřben na hřbitově v obci Guidonia Montecelio, kde již odpočívá i jeho spolubratr salesián Ladislav Dittrich.

Odkazy

Literatura
 Pavla CARMIGNATO-NOVOTNÁ-Jan HORÁK: Prázdninové akce pro děti zahraničních Čechů od roku 1968 v Itálii in Konference Krajané a exil: 1948 a 1968, Karolinum, Praha 16.- 17. září 2008.

Související články
 Poutní dům Velehrad v Římě
 Křesťanská akademie Řím
 Salesiáni Dona Bosca

Externí odkazy
 Rozloučení s Vojtěchem Hrubým na stránkách Salesiánů Dona Boska
 Zemřel don Adalberto Vojtěch Hrubý
 Pořad Léta letí k andělům (3. díl): P. Vojtěch Hrubý, režisér dokumentu: Otakaro Schmidt
 Z pokladu duše - Vojtěch Hrubý na TV NOE

Narození 3. dubna
Narození v roce 1924
Narození v Rozstání (okres Prostějov)
Úmrtí 3. února
Úmrtí v roce 2010
Úmrtí v Římě
Čeští římskokatoličtí duchovní
Čeští salesiáni
Čeští emigranti a exulanti
Muži

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 <party fullName="Calmat Co." lastName="Calmat Co." role="Defendant"></party>
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  <docketText>STIPULATION and ORDER Regarding the Proper Name of Defendant signed by Magistrate Judge Sheila K. Oberto on 7/6/2011. The proper name of Defendant is Calmat Co. dba Vulcan Materials Company - Western Division (not Vulcan Materials Company, a New Jersey corporation). (Jessen, A)</docketText>
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  <title>Brisbin v. Vulcan Materials Company</title>
  <subTitle>STIPULATION and ORDER to amend scheduling order. The deadline for completion of non-expert discovery shall be continued from October 31, 2011, to January 31, 2012. No other provisions of the Scheduling Order dated July 12, 2011, are otherwise modified herein. Order signed by Magistrate Judge Sheila K. Oberto on 10/14/2011. (Timken, A)</subTitle>
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  <title>Brisbin v. Vulcan Materials Company</title>
  <subTitle>ORDER GRANTING 18 the parties' stipulated request to modify the scheduling order. Discovery due by 3/16/2012. Non-Dispositive Motions filed by 3/21/2012. Dispositive Motions filed by 4/27/2012. Settlement Conference set for 5/17/2012, at 10:30 AM in Courtroom 7 (SKO) before Magistrate Judge Sheila K. Oberto. Pretrial Conference set for 7/25/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii. Trial set for 9/18/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii. Order signed by Magistrate Judge Sheila K. Oberto on 1/4/2012. (Timken, A)</subTitle>
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  <docketText>ORDER GRANTING 18 the parties' stipulated request to modify the scheduling order. Discovery due by 3/16/2012. Non-Dispositive Motions filed by 3/21/2012. Dispositive Motions filed by 4/27/2012. Settlement Conference set for 5/17/2012, at 10:30 AM in Courtroom 7 (SKO) before Magistrate Judge Sheila K. Oberto. Pretrial Conference set for 7/25/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii. Trial set for 9/18/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii. Order signed by Magistrate Judge Sheila K. Oberto on 1/4/2012. (Timken, A)</docketText>
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  <title>Brisbin v. Vulcan Materials Company</title>
  <subTitle>o on 2/2/2012. (Timken, A)STIPULATION and ORDER to AMEND SCHEDULING ORDER. The parties' amended schedule is as follows: Completion of non-expert and expert discovery is 5/16/2012; Dispositive Motions shall be filed by 6/27/2012; Non-Dispositive Motions shall be filed by 5/21/2012; the Settlement Conference currently set for 5/17/2012, is RESET to 7/17/2012, at 10:30 AM in Courtroom 7 (SKO) before Magistrate Judge Sheila K. Oberto. the Pretrial Conference currently set for 7/25/2012, is RESET to 9/26/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii; the Trial currently set for 9/18/2012, is RESET to 11/27/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii. Order signed by Magistrate Judge Sheila K. Obert</subTitle>
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  <docketText>o on 2/2/2012. (Timken, A)STIPULATION and ORDER to AMEND SCHEDULING ORDER. The parties' amended schedule is as follows: Completion of non-expert and expert discovery is 5/16/2012; Dispositive Motions shall be filed by 6/27/2012; Non-Dispositive Motions shall be filed by 5/21/2012; the Settlement Conference currently set for 5/17/2012, is RESET to 7/17/2012, at 10:30 AM in Courtroom 7 (SKO) before Magistrate Judge Sheila K. Oberto. the Pretrial Conference currently set for 7/25/2012, is RESET to 9/26/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii; the Trial currently set for 9/18/2012, is RESET to 11/27/2012, at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii. Order signed by Magistrate Judge Sheila K. Obert</docketText>
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  <title>Brisbin v. Vulcan Materials Company</title>
  <subTitle>ORDER re SETTLEMENT CONFERENCE signed by Magistrate Judge Sheila K. Oberto on 6/11/2012. (Timken, A)</subTitle>
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  <title>Brisbin v. Vulcan Materials Company</title>
  <subTitle>STIPULATION 30 to Continue Trial and Related Dates; ORDER thereon - (1) Jury Trial set for 11/27/2012 is CONTINUED to March 26, 2013 at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii; (2) The PRETRIAL CONFERENCE (was 9/26/2012) is CONTINUED to January 29, 2013 at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii; (3) The Settlement Conference currently set for October 9, 2012 is VACATED and shall be reset once the parties have had an opportunity to meet and confer regarding their availability on November 29, 2012, or January 8, 2013; and (4) By no later than August 31, 2012, the parties shall meet and confer and file a further stipulation or statement regarding the remaining deadlines in the case, as discussed above. signed by Magistrate Judge Sheila K. Oberto on 8/24/2012. (Herman, H)</subTitle>
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  <docketText>STIPULATION 30 to Continue Trial and Related Dates; ORDER thereon - (1) Jury Trial set for 11/27/2012 is CONTINUED to March 26, 2013 at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii; (2) The PRETRIAL CONFERENCE (was 9/26/2012) is CONTINUED to January 29, 2013 at 08:30 AM in Courtroom 2 (AWI) before Chief Judge Anthony W. Ishii; (3) The Settlement Conference currently set for October 9, 2012 is VACATED and shall be reset once the parties have had an opportunity to meet and confer regarding their availability on November 29, 2012, or January 8, 2013; and (4) By no later than August 31, 2012, the parties shall meet and confer and file a further stipulation or statement regarding the remaining deadlines in the case, as discussed above. signed by Magistrate Judge Sheila K. Oberto on 8/24/2012. (Herman, H)</docketText>
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  <subTitle>STIPULATION and ORDER to reset the Settlement Conference date and extend remaining trial deadlines. Settlement Conference set for 1/8/2013, at 10:30 AM in Courtroom 7 (SKO) before Magistrate Judge Sheila K. Oberto. The Parties shall exchange supplemental expert disclosures on or before 10/1/2012, and expert discovery shall be completed by 12/14/2012. Order signed by Magistrate Judge Sheila K. Oberto on 9/4/2012. (Timken, A)</subTitle>
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  <subTitle>ORDER GRANTING Request for Substitution of Counsel, signed by Magistrate Judge Sheila K. Oberto on 12/2/12. Attorney James David Burnside, III for Western Surety Company added. Attorney Matthew W. Quall terminated. (Martin-Gill, S)</subTitle>
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  <subTitle>ORDER re SETTLEMENT CONFERENCE, signed by Magistrate Judge Sheila K. Oberto on 12/6/2012. (Gaumnitz, R)</subTitle>
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  <subTitle>ORDER re Plaintiff's Ex Parte Application to Modify Order And/Or Enlarge Time to Respond 49. The Court VACATES the Settlement Conference set for March 29, 2013. Should the parties wish to reschedule the Settlement Conference, Brisbin must expressly set forth the intent to engage in serious settlement discussions. Order signed by Magistrate Judge Sheila K. Oberto on 3/19/2013. (Timken, A)</subTitle>
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redpajama_set_name: RedPajamaGithub


text:
Osoby o tym nazwisku:
 Jan Miazek – rzymskokatolicki duchowny
 Ryszard Miazek – polski ekonomista i publicysta


text:
Generali Group / Info / Discovering Generali / All / 2019 / Migrating because of climate
Migrating because of climate
Reasons and perspectives of the migratory phenomenon
Migrations due to climate change have been taking place already for several years, but have occupied little space in the public debate with respect to migration for economic or humanitarian reasons.
However, the effects should not be ignored. In fact, the increase in global temperature is causing sea levels to rise and increasingly frequent and violent storm surges, inevitably affecting the availability of drinking water and water for agricultural use. Populations in the areas afflicted by this scarcity are forced to relocate under increasingly difficult circumstances.
Thus, the data on the planet's increasing temperature paints a picture of profound climate changes, which as a result, are reflected in our lives and habits.
According to the glossary of the International Organization for Migration (IOM), climate migrants are defined as:
"Persons or groups of persons who, predominantly for reasons of sudden or progressive changes in the environment that adversely affect their lives or living conditions, are forced to leave their homes, or choose to do so, either temporarily or permanently, moving within their country of origin or abroad."
However, the first distinguishing characteristic with respect to "traditional" migration emerges: climate migration is primarily internal. When migration is internal, people who relocate are the responsibility of their own government, they do not cross borders and do not seek protection from a third country or internationally. It is therefore much more difficult to define the flows and remediation strategies.
However, the issue is complex and not easily defined: it is difficult to isolate environmental or climatic reasons, in particular from humanitarian, political, social, war-related, or economic ones.
There are three regions of the planet most affected by the phenomenon: Sub-Saharan Africa, South Asia and Latin America, which today represent 55% of the population of developing countries. By 2050, climate change will be responsible for the internal displacement of millions of people, around 143 million according to World Bank estimates, equal to 2.8% of the population of these regions. The slow nature of climate change will lead to equally slow migrations, so there will be no immediate shock effect, but rather problems that increase over the course of years.
The poorest and most climatically vulnerable areas will be those most severely affected. Many urban and peri-urban areas will have to prepare for a heavy influx of people, including by improving housing and transportation infrastructures, social services and job opportunities.
Policy makers can prepare by ensuring flexible social protection services and including migrants in planning and decision-making. If the migration process is well managed, it can create a positive momentum, especially in urban areas.
There are several examples of successful local adaptation strategies: investments in smart climate infrastructure, diversification of income-generating activities, and development of more responsive financial protection systems for vulnerable groups. Poverty reduction and social protection programs targeting rural areas can help increase the ability to adapt to climate change, potentially reducing the need for people to undertake difficult relocations.
To understand the impact of the phenomenon in various countries, the World Bank study used as a reference three countries, which, due to their geographical location and their morphological and climatic characteristics, will most likely be subject to the largest climate migrations: Mexico, Bangladesh and Ethiopia.
The data reveals a scenario that is not exactly positive, given the challenges that the governments of these countries must face in the future.
Internal migration for climate reasons will be a reality, but it does not have to become a crisis if concerted and targeted measures are taken to better anticipate and prepare for its likely effects and exploit its potential. It is important to stress that the political decisions taken today determine the extent to which the effects of climate change will be positive for migrants and their families.
Inaction means losing an important opportunity, the opportunity to appropriately reconfigure where, when and how public investments are allocated.


Every now and then we hear about child prodigies who leave us stunned with their extraordinary abilities. When we read about kids like Priyanshi Somani (she is a human calculator), Michael Kevin Kearney (he graduated at the age of 10) and Cleopatra Stratan (an established singer at the age of 3) we can do nothing but simply amaze at their achievements. These kids are geniuses in the true sense of the word. What they are able to achieve at such a young age most of us would take an entire life time to achieve. What were you were doing at the age of 9-10? Probably not much, but these kids show early signs their extraordinary abilities even before they reach the age of 10. Tanishq Abraham is one such Indian-American, who is a high school graduate and is all of just 13 years. Apart from being a wonder kid, he is also a TedX and a NASA speaker. What did you dream of when you were 10? This whizz kid wants to hold the reins of America by becoming the President of the USA someday in the future. Here are 10 things about Tanishq Abraham that will leave you wanting to strive for more in life.
The Math's course offered by the Stanford University's 'Education Program for Gifted Youth' (EPGY) was completed by him in just 6 months.
He joined the 'American River College, Sacramento when he was all of just 7.
Tanishq Abraham enrolled in the 'American River College' in Sacramento, California when he was all of 7. He joined the courses for Geology and Astronomy and scored nothing less than a perfect 'A'. When asked how he felt during his first day in college, he said, "Even the first time I came to college class, I wasn't really nervous." Tanishq was obviously the youngest in his class but that did not deter his intention to be the best at his work. This is what the genius said when he was questioned about his classmates, "Some of them were intimidated and a lot of others were really happy that there's a kid in their class".
At the age of nine he became the founding Vice-President of his Astronomy club at college.
He also has a certificate for an online chemistry course from the 'University of California'.
While this whizz-kid was attending college side by side he was also got a certificate from the 'University of California' wherein he completed an online course in chemistry. This wonder kid was home schooled till the age of 7 and passed out of high school in 2014 when he was all of just 10.
At the age of eight, he became a member of the prestigious Liberal Arts and Science institution Phi Theta Kappa.
Tanishq joined the prestigious Liberal Arts and Science institution Phi Theta Kappa when he was all of eight and also went on to become the Vice-President of Communications for 2013-2014 term. He is also the member of the largest IQ society called 'Mensa'. It is reported that he scored a whopping 99.9% in the IQ test conducted by this institution. He also has a sister named Tiara, who is also following her brother's footsteps and is a way smarter than most people her age. She scored a brilliant 99% in her IQ test which was also conducted at Mensa.
Apart from academics, he is also interested in music and is a prominent member of a choir group.
Tanishq has a strong sense of music and has a strong penchant towards this field too. Both the siblings of the Abraham family are good singers and are all out to carve a niche for themselves in other fields too. They also share a strong love for video games and enjoy each other's company more than anything else in the world. Like they say, siblings always make the best of friends and these two just prove that right. More power to them!
No, he is not a typical nerd! Chess, lawn tennis and table tennis are his calling!
After reading about this wonder kid, you must be thinking that this boy is a complete nerd who studies for most part of his day. However, you are far from the truth! He, like any other kid his age, loves to play chess, table tennis and lawn tennis. Tanishq is a pro at time management and after doing all this if time permits, he also freaks out while watching his much loved sitcoms. If you ask him about his favorite food, you are going to hear a big loud PIZZA!
At the age of 10, he was a high school graduate.
When this wonder kid passed out of high school with flying colors he was all of just 10. This 5th grader gave a graduation speech that was impeccably flawless and out of this world. The command he had over his language and the way he held himself during the entire speech is something most of us would strive to do even after being triple his age. It is no surprise that at such a tender age this boy is the center of attraction and has the media swooning all over him. Here is a small clip of his graduation speech that was titled, 'My Journey'.
At the age of nine, he became the youngest person to present a poster at one of NASA's conferences.
In July 2012, when he was nine-year-old, Tanishq presented a poster at one of NASA's conferences and nailed it. In the process, he became the youngest person to do so. The exposure this genius kid has at such a small age sure would have instilled a lot of confidence in this budding star.
He also managed to woo the audience after giving a mind-blowing speech at TEDx.
Tanishq Abraham is climbing the ladder of success at an exponential pace and becoming TEDx speaker is a step in that direction. He gave a fantastic speech at TEDx wowed the audience with hos oratory. This guy sure knows a lot about stage presence and confidence. Way to go,Atta boy! Here is the link to the amazing speech that he gave at TEDx.
If the "Way to live life" or "I live like a boss" attitude could be presented in human life, Tanishq Abraham would be its most spectacular replication. We love this boy and the work he is doing. More power to him!.


On February 14 mall Karavan arranges a real feast for lovers!
mimes and sweet romantic gifts for Valentine's!
Please note that from 11 to 14 February mall stores provide everyone with holiday discounts up to 70%.


To run in order to escape something or to reach a destination quickly, perhaps before a certain time or before something happens. Our taxi was late picking us up, so we're going to have to run for it when we get to the station. I couldn't wait to get out of school, and I ran for it as soon as the bell rang.
to escape by running. (See also swim for it.) The dogs were coming after me fast. There was nothing I could do but run for it. I ran for it when I saw the police coming.
Also, run for one's life. Depart as fast as possible, either to escape danger or to reach something quickly. For example, You'd better run for it before the teacher catches you, or The bully is coming after you-run for your life! The for it in the first term almost certainly means "for one's life"-that is, to save one's life, a usage that can be literal or hyperbolic. Also see for dear life; make a break for it.
attempt to escape someone or something by running away.
(informal) run away from danger very quickly: Run for it. There's a bomb in here!


Typically Georgia brand-new vehicle lots won't move when discussing price on the showroom floor. At DriversLane.com you'll promptly obtain the lowest cost upfront quote from our large GA franchise business automission dealership data source whatever type of vehicle, suv, minivan or truck you wish to acquire.
How to choose we buyhouses Gresham Park.
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Obtaining A Home Loan After Phase 7 Benefits of GA financings are numerous, including the capability to buy a brand-new house without a down payment as long as the home evaluates at, or greater than, the financing quantity. Consumers are additionally exempt from paying exclusive home mortgage insurance coverage costs and also early settlements charges.
Currently, don't get lugged away with this; vendors typically aren't mosting likely to drop the price $100,000 due to the fact that you make it simple for them not to have to move Auntie Fanny's furnishings. Yet you may make it a whole lot easier for them to accept a deal $5,000 less compared to what they were hoping for, or to approve your offer over an equivalent or a little higher valued one that does not have such desirable terms, which could be a wonderful thing!
Seek the most affordable money the most affordable annual percentage rate over the quickest duration. Don't be sidetracked by guarantees of a reduced month-to-month payment over a longer period of time. If the only means you could make the payments is to secure a long-term finance, you possibly cant manage the car.
Getting A Home Loan For A Fixer Upper The goal of filing bankruptcy is to clean the slate of ongoing bad credit history products. Phase 7 does this easily after the court's discharge of debt. Phase 13 is a little bit much more difficult due to the fact that it is a much longer procedure to launch the bankruptcy, once you take part in the repayment program, your credit rating begins to change. Make all repayments promptly and also for the complete month-to-month responsibility. When feasible, pay down products.
When the house evaluation is total, the data is generally entered into a software application created for reporting outcomes. The last report will be published and also could be supplied to the real estate agent or home owner. A residence examination record may not influence the sale of the home, if the prospective customer agrees to pay for the price of the repair services noted on the record. The home sale might be held off or denied if the repair work are substantial.
The Home Loan Closing Process Since a pre-qualification provides you an assessment of just how much you could sensibly borrow, it provides you an opportunity to talk about with your loan provider any kind of goals or requirements you could have regarding your home loan. It aids identify the most effective kind of home mortgage for you, and also speeds up the real estate search as you locate the cost variety that you could conveniently pay for.
Obtaining a discount rate on the asking cost is everyones goal, obviously, however you require a reason to supply it past simply wanting a less expensive residential or commercial property. If the residential property has lingered on the marketplace for a long time, it requires 10,000 of job doing (as well as, also better, you could show quotes) or rates have actually gone down just recently by 2 per cent because its asking cost was set, these are needs to readjust your offer.


Princess Durru Shehvar :- A Turkish princes married to an Indian prince.
SHAHJAHANABAD :- RAMPARTS AND GATEWAYS.
HAZRAT NIZAMU'D-DIN'S DARGAH : The holy shrine of Hazrat Nizamuddin Auliya.
यहां तोप से गोला दाग़ कर होता है रमज़ान का स्वागत!


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Travelex gives refunds as cyber attack recovery continues
The company confirms that while its systems remain down, it is making "good progress" on recovering some functionality.
Image: Travelex systems were attacked with ransomware on New Year's Eve
Travelex, the foreign exchange operator held hostage by cyber attackers, has said it has started giving refunds "where appropriate" as it continues efforts to bring its systems back online.
The company said on Monday it was making "good progress" in restoring operations to process orders electronically, almost two weeks after the ransomware took hold of its services and forced branch staff to serve customers with a pen and paper.
The Sodinobiki gang reportedly demanded a £4.6m ransom and have threatened to release customer data including social security numbers, dates of birth and payment card information unless Travelex pays up.
Image: The company says it is now able to bring some functionality back to its systems
The company insists there is no evidence that customer data has been breached.
Tony D'Souza, chief executive of Travelex, said: "We continue to make good progress with our recovery and have already completed a considerable amount in the background.
"We are now at the point where we are able to start restoring functionality in our partner and customer services, and will be giving our partners additional detail on what that will look like during the course of this week."
He added: "We are confident, based on our efforts to date, that we will be able to restore our services and ensure the integrity and robustness of the network."
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In addition to holidaymakers, Travelex also provides foreign exchange services to major banks and customers of HSBC, Barclays, Virgin Money and the banking arms of British retailers Tesco and Sainsbury's.
Travelex is working with the National Cyber Security Centre and London's Metropolitan Police as part of a criminal investigation.


A few weeks ago, I sat riveted to a film about Alzheimer's disease, caregivers, patients, and the human and financial cost of it all. Even though it was a Saturday evening and I had plans to go out, I could not move from my seat as the documentary film "Every Minute Counts" shared the stories of patients, families and the fate of elders with Alzheimer's. I have something in common with the people in the film, as for nearly a decade; I cared for, advocated for and managed the care of my mother, who was an Alzheimer's patient. My mom passed away last year.
For a portion of the film, Emergency Room staff at Massachusetts General Hospital were profiled and from them I learned a about a term and a practice called "granny dumping." I was amazed that a term exists for the practice of literally dumping one's elder relatives at the door of a hospital Emergency Room and leaving them there. A social worker shared that this happens often when family members, decide they need a vacation, become overwhelmed or don't know what else to do with an Alzheimer's patient. These people literally drive up to the door of the ER, leave the elder there, and then drive off. "Granny dumping" happens most often around the holidays. My guess is that the social worker meant the winter holidays.
The medical staff takes the person in and they end up being admitted to the hospital. The staff has the job of trying to find the family or making preparations for the care of the elder via placement if they cannot find the family. This kind of admission is called a "social admit" and is one that Medicare does not pay for; and it affects the hospital's bottom line negatively. Social admits for people who have Alzheimer's are also difficult because the patients cannot remember their medical history and also have short-term memory loss, so they can't tell the staff what is wrong or what happened before they got to the hospital. They don't know what brought them to the ER, they don't know if they have other health conditions, they don't know what meds they regularly take. The elders in the documentary film had Alzheimer's disease and additional health complications. This is true of most Alzheimer's patients and it adds to the complexity of treating them and caring for them.
A month prior to her arrival in my home, my brother had gone to collect mom after she almost burned her house down by leaving a pot on the stove, then going into the living room and falling asleep in her recliner. I returned home from work on my late shift evening, after driving home from San Jose, and retrieved a voicemail from one of mom's neighbors, who asked me to call her. As Susan (not her real name) relayed the events of the evening, I felt sadness and worry. Apparently two of mom's neighbors had to call the fire department because mom had locked the storm door to her home and the neighbors could not knock on the door or ring the bell. There was a lot of smoke in the house, but it turned out that mom was okay and nothing had burned but a pot on the stove. She was lucky that her neighbors were home and that they noticed.
After this happened, my brother moved mom several states north to the temporary housing provided by his new job, and the telephone check-ins between us began. He was upset that when he came home from work, he found that mom had left crumbs and food on the kitchen counter. He also didn't know what to do about what seemed to be signs of incontinence. So, his girlfriend and I tag teamed to provide him with suggestions and solutions. I was doing all of this by phone from the other side of the country. His girlfriend was a few states away on the same coast as he and mom were. This lasted for a month or two.
My brother's annual trip to a motorcycle race in Monterey, California turned into an opportunity for him to bring mom out west to stay with me for what we both agreed was awhile, while we tried to figure out what to do. I thought it was a good idea. It turned out to be an opportunity for me to research resources and find out what the possibilities might be for mom's future, for my family's future.
My brother agreed to research resources on the East Coast near his home.
In preparation for mom's arrival, I called any local listing that mentioned the word Alzheimer's and was fortunate enough to be connected with one of the social workers at a local adult day health center who was more than generous with information that provided me with a running start. Alzheimer's Services of the East Bay or ASEB literally saved our lives. They referred me to Family Caregiver Alliance (FCA), based in San Francisco. This organization serves the entire Bay Area on the ground and also online, with fact sheets and information for families nationwide who are trying to figure out what to do about caring for a loved one who has become ill with Alzheimer's, Parkinson's and other diseases.
The family care team from FCA visited us at my home. They noted that the space was small for both of us. At the time, I didn't understand what they meant, since two people in a two-bedroom apartment didn't sound like it was a cramped living situation to me. So what the second bedroom was my home office and I'd given mom my bedroom and chosen to sleep on an air mattress on the living room floor? That was the way I thought about things only a few weeks into cohabitation with someone with dementia. This sleeping and living arrangement went on for 6 months. I hadn't bargained for what would happen when mom began to sundown, or when she constantly repeated questions, became depressed on days that the senior day program was closed and asked questions about when she would be going back home, back to her home. It was heart breaking because even though I knew she was a lot safer living with me, I knew that the disease and her being uprooted had interrupted her life in a deep and fundamental way. There was no going back to the life she'd had as a retiree and widow. There was no going back to the independence she had enjoyed for most of her life. As a matter of fact, she was headed on a trajectory toward having less physical independence in ways that neither of us could predict the timing of. We didn't know what the progression of Alzheimer's would look like for her. We just knew that the disease did not stand still. It never does.
At the suggestion of the family care person from FCA, I signed mom up for an in depth evaluation at the U. C. Davis Alzheimer's Research Center. The information we'd received from the nurse practitioner and staff in her hometown was good, but not as comprehensive as the information we could receive through a comprehensive evaluation. I placed her on the waiting list at UCSF Memory and Aging Center, as they not only evaluated patients, they also followed them as patients and assigned them to a neurologist and medical team. U. C Davis only evaluated patients. I was in for a bit of a surprise when we arrived at the U. C. Davis center. I thought I was signing mom up to be evaluated, but I didn't realize that I was being evaluated too, not as a patient, but as a family member who was part of her ecosystem of care. They wanted to know what I had been observing and how long ago I, and my brother, had first noticed changes in mom's behavior. This was difficult stuff to not only remember because of the emotional impact it carried, but also because of the detail it required to explain what had been going on over the past few years.
The evaluation was comprehensive and included a team of specialists that included psychologists, neurologists and others. Some parts of the evaluation included both of us together around a conference table with the team of researchers and medical professionals and other parts of the evaluation included me being questioned (evaluated, really) individually while mom was in another room being evaluated. One of the more humorous parts of this half-day of evaluation was when mom told the team that she had never had heart disease or surgery. Mom was so convincing that during my individual "talk" (evaluation) with the social psychologist, I was asked whether I was sure that mom had had heart surgery. "Does she have a scar?" "Yes" I replied. "Oh, she's good" she replied and we both laughed.