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I need a 3D rendering project
Budget ₹12500-37500 INR
We are CO working and looking back for interior designer to help with office designs
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What is it?
Horace is an indie platformer game featuring Horace, a robot whose main purpose is to clean one million things. His story isn't quite as simple as that though, as he eventually is tasked with helping to save the world.
Incredibly story.
Really long.
Lots of replayability.
Amazing level design.
Great sound.
Gorgeous graphics.
Some of the rhythm games are a little difficult with keyboard.
A couple of bugs remain.
Horace, simply put, is one of the best indie games I've ever played. I have completed it twice now and am well into my third playthrough, because there are still things that I haven't actually done in the game. For a tenner, you'll likely get minimally around twenty hours of gameplay, which is a no brainer. The game is top class and well worth your time.


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High-power tunable mid-infrared (MIR) and far-infrared (FIR) lasers in a range of 3-20 μm, especially in the atmospheric windows of 3-5 μm and 8-12 μm are essential for the applications, such as in remote sensing, minimally invasive surgery, telecommunication, national security, etc. At present, the technology of MIR and FIR laser have become a research hotspot. As the core component of all-solid-state laser frequency conversion system, nonlinear optical (NLO) crystals for coherent MIR and FIR laser are urgently needed by continuously optimizing and developing. However, compared with several outstanding near infrared, visible, and ultraviolet NLO crystals, such as β-BaB2O4, LiB3O5, LiNbO3, KTiOPO4, and KBe2BO3F2, the generation of currently available NLO crystals for 3-20 μm laser is still underdeveloped. Traditional NLO oxide crystals are limited to output wavelengths ≤ 4 μm due to the multi-phonon absorption. In the past decades, the chalcopyrite-type AgGaS2, AgGaSe2 and ZnGeP2 have become three main commercial crystals in the MIR region due to their high second-harmonic generation coefficients and wide IR transparency ranges. Up to now, ZnGeP2 is still the state-of-the-art crystal for high energy and high average power output in a range of 3-8 μm. Unfortunately, there are still some intrinsic drawbacks that hinder their applications, such as in poor thermal conductivity and low laser damage threshold for AgGaS2, non-phase-matching at 1.06 μm pumping for AgGaSe2, and harmful two-photon absorption at 1.06 μm for ZnGeP2. In addition, ZnGeP2 has significant multi-phonon absorption in an 8-12 μm band, which restricts its applications in long wavelength MIR. With the development of research, several novel birefringent crystals, as well as all-epitaxial processing of orientation-patterned semiconductors GaAs (OP-GaAs) and GaP (OP-GaP), have been explored together with attractive properties, such as large NLO effect, wide transparency ranges, and high resistance to laser damage.
In this paper, from the angle of the compositions of NLO crystal materials, several kinds of phosphide crystals (ZnGeP2 CdSiP2) and chalcogenide crystals (CdSe, GaSe, LiInS2 series, and BaGa4S7 series) are summarized. In addition, the latest achievements of the orientation-patterned materials such as OP-GaAs and OP-GaP are also reviewed systematically. In summary, we review the above-mentioned attractive properties of these materials such as in the unique capabilities, the crystal growth, and the output power in the MIR and FIR region.
Project supported by the National Natural Science Foundation of China (Grant Nos. 51572155, 11504389), the National Key Research and Development Program of China (Grant No. 2016YFB1102201), and the 111 Project 2.0, China (Grant No. BP2018013).


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From Yoda of Star Wars to the Teenage Mutant Ninja Turtles, so many of the beloved creatures that sci-fi and fantasy fans adore came from the creative mind of Jim Henson. How many of us grew up on Sesame Street, Fraggle Rock, or even The Storyteller?
Henson's zany creations didn't just entertain us; they helped us embrace parts of us that may have been seen as unconventional or even outright weird. From Bowie to Gaga, we've had plenty of heroes to do that since, but Henson was one of the first people to really delve into the many facets of human experience and identity, and he did it through puppetry. Some of his creations are much more well-known than others, and many of his forgotten creatures deserve some time in the spotlight.
10 Yip Yip Martians (The Martians)
"Yip yip yip yip. Uh-huh. Uh-huh." These weren't the only noises Sesame Street's Martians, performed by Jim Henson (blue) and Jerry Nelson (red), made, but they are the sounds they're best known for. Fans loved watching these two worry over items as innocuous as telephones, radios, and a grandfather clock.
The Martians didn't interact with other characters much, but they spoke to our weirdness in fun ways, like preferring to listen to a radio's static rather than its music. The Martians also often get stuck in our heads; try watching a clip and not going about your day yip-yipping afterward.
9 Beaker
Why does Elmo get all of the attention when it's Muppets like Beaker who speak to the geeks and nerds of the world? Beaker might mostly speak in meeps, but that's part of why he's so special. Henson's creations often remind us that there are many ways to communicate, even nonverbally, and that they're all valid.
Dr. Bunsen Honeydew's assistant represents not just science, but fear, humor and, as many Muppets do, the right to be different from everyone else. Beaker is the Muppet who stands in for all of the shy lab folks who live for science but not the spotlight.
8 Cantus The Minstrel
Jim Henson creature fans who ask, "Who?" when you mention Fraggle Rock are totally missing out, especially when it comes to Cantus, the groovy Fraggle with the magic pipe. Cantus represents the power of music to not just soothe the soul, but to connect with others.
Cantus uses his voice in the same way Kermit the Frog does, but with more of a hippie vibe. He sings, "Play Me Wide, Play Me Low, Let Me Be Your Song," sounding like the Jerry Garcia of The Jim Henson company, which he pretty much is. The soothing melodies of the Fraggle are the perfect background music for meditation or some rest and relaxation.
7 The Storyteller's Dog
The British TV show The Storyteller was one of Jim Henson's most creative projects, bringing many famous stories and myths to life with puppetry and magic. In the program, the Storyteller's dog, a blonde Pudelpointer who was created in the image of a real dog, stood in for the audience, portraying what we felt as we experienced fear, confusion, awe, and other emotions.
The talking dog was voiced by Brian Henson, Henson's son. It's bittersweet since it's so cool that Henson's kids were involved in his projects, but his wife Jane stated that it was because it was the best way that they'd get to see their father, whose work often pulled him away from family time. Neil Gaiman is currently working on a re-imagining of the series.
6 Hoggle
When it comes to the cult hit Labyrinth, David Bowie tends to get the most attention, followed by a young Jennifer Connelly. The puppetry in the film is outstanding, from Ludo the gentle giant to Sir Didymus, who manages to wrap up most of Monty Python and the Holy Grail into a single puppet.
But it's Hoggle, the sour, cantankerous traitor, who deserves more recognition. The dwarf is terrified of Jareth, the Goblin King, but he manages to get past his fear in order to help his friends, most notably Sarah, who was his first real friend. Hoggle is the potential of every villain who decides to do the right thing.
5 Uncle Deadly
One of the most wonderful things about Jim Henson's creations is that many of them speak to our spooky, even sinister side. Uncle Deadly, also known as the Phantom of the Muppet Show, was one of the most menacing of the Muppets. With his reptilian-looking skin, creepy eyes, and macabre persona, Uncle Deadly was meant to be a tribute to actor John Carradine, a prominent horror film actor.
Deadly's first appearance on the show was perfectly planned alongside Vincent Price, but it's too bad that his TV show, "Uncle Deadly's House of Badness," never made it into production. While he was never one of the main characters, Deadly still appears in modern Muppet films.
4 Emmet Otter
Emmet Otter's Jug-Band Christmas isn't just a re-imagining of O. Henry's The Gift of the Magi with puppet otters; it's one of the most wholesome holiday specials ever created, yet it's the one many fans don't even know about. The special features a wonderful soundtrack. The titular Otter, Emmet, comes from a poor family, but he's rich in what he's got, which is love.
The woodland creatures make this musical truly special, and there are fans who eagerly await watching it each year during the holiday season. It's one of those "true meaning of Christmas" stories that's utterly Jim Henson in its portrayal of the theme.
3 Rugby the Tiger
Long before Toy Story made us feel sorry for every toy that ever collected dust beneath the bed, Jim Henson's The Christmas Toy gave us a story about love, friendship, and, yes, the identity crisis faced by toys. It even featured the space toy that didn't realize it was just a toy!
Rugby the Tiger is the Woody of the story. He doesn't want to be replaced as the favorite toy, but he soon realizes how selfish he's being in terms of what the rest of the toys face—particularly when his friend is frozen forever. It's uplifting and bleak at the same time, making us wonder if it's possible to create any programs about toys without existentialism.
2 Ultragorgon
Monsters were a specialty of Jim Henson, and, when he created the dragon-like Ultragorgon for the BBC special Monster Maker, he nearly went meta on himself, with even Kermit the frog appearing for commentary. Ultragorgon was scary enough for Henson to make a special speech to kids watching, gently assuring them that it wasn't real in the manner that only he, Bob Ross, and Mister Rogers seemed to be able to do.
Ultragorgon was so special because he was deeply symbolic of the inner monsters we face, as the young man in the story comes to realize as he hashes out issues with his dad. It was another example of Henson's way of tackling deeper issues and mixing real life with the magical world.
1 Aughra
If Yoda were 70% crankier, able to remove his eye, and a woman, he might be Aughra, the wise woman of Jim Henson's The Dark Crystal. Aughra is a fabulous character in a world with underrepresented older women. Henson has several "wise men" creatures, but Aughra has the best personality of all of them. She even went on TV in an interview with Henson and Frank Oz to promote her movie.
The Dark Crystal doesn't have as strong of a fan following as some of Henson's other works, but those who did love it are looking forward to next month's prequel series on Netflix, The Dark Crystal: Age of Resistance.
NEXT: The Dark Crystal: Age of Resistance - 10 Things To Know About The Upcoming Netflix Series


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Nu Skin – It's Ageless
An interesting company in that it markets a diverse mix of product lines, Nu Skin currently operates in 48 worldwide markets. Their product offerings include personal care products sold under the Nu Skin brand, nutritional supplements sold under the Pharmanex brand, and the Big Planet brand, a line of products that provides services to preserve, organize, share, and enjoy your photos and home movies. The company was founded by Blake Roney, his sister Nedra Roney, and friend Sandie Tillotson, and celebrated its 25th anniversary in 2009.
As with many companies, although it makes it no less admirable, Nu Skin includes charitable work as part of its mix. They provide meal packs (Vita Mix) that are designed for donation purposes to starving areas all over the world.
One of the top key items marketed by Nu Skin is the Galvanic Spa II system, which retails for approximately $350. The System is a programmable Galvanic Spa(TM) II Instrument with patented self-adjusting galvanic currents and interchangeable heads-for the face, scalp, and body-and works synergistically with specially formulated products to facilitate the transport of key ingredients for optimal performance. It is considered to be the closest to a spa treatment that can be obtained for use at home. Nu Skin has about six products designed to be used with the Galvanic Spa II System, with retail prices between $32 and $60.
There are billions of dollars being spent every year in the beauty industry, not to mention all the money spent at spas and for spa products. Nu Skin is in a great position to capitalize on this ever-increasing market segment. However, most of the information provided by Nu Skin to its distributors is along the lines of product usage, and not on how to actually market and sell their products.
How could it be possible to go wrong with Nu Skin, with both personal and financial benefits to be gained? The issue is not with the products themselves, but with the lack of training on how to properly market the wonderful products. The companies system works basically like any other network marketing company: focusing more on recruiting distributors rather than providing training consultants with good marketing skills. This is where company really has failed, and neglected a golden opportunity.
My advice, if you are looking into Nu Skin, would be to really scrutinize your sponsor before signing up. Will he or she be there to train you on how to properly use the products? What training methods does the company support? The Galvanic Spa II does take some time to master before you can demonstrate it on a potential customer.
Also, how up-to-date are they in new marketing mediums? The old days of marketing only to friends and family are a thing of the past. Like any business in this world, you need to put at least as much time into learning how to properly market your business as you do working your business. If not your odds of success will be little to none.
Go in with your eyes wide open. This is a new day in marketing, and it is constantly changing. If you want a successful business, treat it like a business. Arm yourself with all the skills beforehand, keep current, put in the time, and then enjoy the fruits of your labor!
Source by Mark Pepper


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Established by parents in the DD2 community, SOS is the fundraising initiative created with the objective of improving the safety and security of our schools. Through fundraisers, we believe SOS will grow as a community led effort to conserve our DD2 schools. Before fundraising begins, we must have a clear understanding of what is required to secure our schools. A list of action items is currently being developed by a committee composed of district members as well as parents and professionals in various fields, including law enforcement, education, and health care, among others. These action items are being identified as priorities district-wide to improve the safety and security in our schools. A number of these action items have and will be presented to the Board of Trustees to be incorporated into the budget and implemented. Others are simply too costly and not able to find their way into the confines of the budget at this time. These will be the items SOS focuses on in our fundraising efforts.
SOS is working with Dorchester Two Educational Foundation where all donations are directed. Dorchester Two Educational Foundation is a 501(c)(3) Non-profit organization, with Tax ID#: 46-3049858.


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How is "Entourage® A.O.C-CÔTES Provence" Rosé Made
Understanding the making of a true Rosé means understanding its vinification process. Rosé winemaking is more delicate and complicated than the making of Reds and Whites. Beyond the right vines, equipment, and knowledge, it takes lots of experience combined with tremendous passion. According to winemakers, it is a unanimous consensus that Rosé wines are the most difficult wines to create.
How Does Rosé Wine Become Naturally Pink?
Well, there are no such things as pink grapes. Well, actually, there are, but they are not the grapes used for rosé wines.
Entourage® Rosé, like all A.O.C Cotes de Provence rosé wines, are made from red grapes, and it is the natural pigment of the grape skins, along with the limited juice contact, that gives our wine its color and tannic structure. The color, flavor, and elegance of our rosé depend mostly on three attributes:
1. The type and quality of the grapes.
2. The temperature control throughout the winemaking process.
3. The timing that the nearly colorless grape juice has to remain in contact with the pigmented skins and seeds.
We establish our unique color and character in part from the brief period during which the skin is in contact with the juice. Beyond the passion, making our wine is also scientific, and thankfully to research, the tools validation steps, and equipment available have evolved significantly in recent years. Due to that research, today's techniques, though rooted in tradition, are not only becoming more sophisticated, they also ensure better reliability.


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Close this windowYour office list
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LOVE this recipe! I tried a version from Cook's Country and didn't think it turned out well in the tube pan. DID like their suggestion to render the pepperoni for about 75 seconds in the microwave and dab with paper towels before using. Makes the rolls less drippy to bite into. Will definitely try this recipe as it seems like it comes together faster than the one I tried.
for the rolls
Pizza Dough (store bought or homemade)
6 Mozzarella String Cheese Sticks
4 tbsp Butter
2-3 Cloves of Garlic, minced
1 tbsp Fresh Parsley, chopped
for the dipping sauce
1- 8oz can Tomato Sauce
1 tsp dried Italian Seasoning
1/2 tsp Garlic Powder
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Me, I'm a collector of all things old. My collecting interests started with old telegraph insulators and this sort of morphed into bottle collecting, which led to digging for bottles and it was while digging for bottles that I was introduced to a Minelab metal detector.
Well, one thing led to another and now I'm also a relic hunter. Ever since buying a Minelab Explorer and finding my first dog registration tag, I've had an obsession with collecting South Australian dog rego tags. The brass tags first started being used in 1885 and finished in 1951. Think about it. Every farm had at least one dog so multiply that by 65 years and that leaves a lot dumps to detect for these fantastic little items.
One of my favorite spots for detecting is in the scrub adjacent to a small country farming town. The area was well known to bottle hunters in the 1970s and '80s and has had the acres of surface dumps scraped, scratched and dug over ever since. I've been fortunate to pull many dog tags out of this area as well a whole hoard of other goodies.


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french Speaking Recruitment Coordinator
- Recruiter
- Location
- Birmingham
- Salary
- Competitive
- Posted
- 23 May 2019
- Closes
- 31 May 2019
- Sector
- Administration & Secretarial
- Job Type
- Experienced, non-manager
- Contract Type
- Permanent
French Speaking Recruitment Coordinator
We are looking for a talented individual to join our team supporting the recruitment process for two of our largest global accounts. In this role you will be responsible for onboarding new hires, issuing contracts and supporting the end to end recruitment process. Your specialist area will be to support hiring in France so being a fluent French speaker is essential, but you will also be supporting other countries as required. A Recruitment Coordinator position will suit you if you have great attention to detail, good customer service skills and a good ability with systems. Ideally you will have some experience within HR or recruitment administration, or a HR degree and a passion for our industry. In order to be successful in this role you must enjoy speaking and interacting with people over the phone and have great communication skills.
If you are interested in joining a fast-growing company offering great career progression and a fun and collaborative working environment then this role could be a great fit for you. Please contact me today to find out more.


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SPRINGFIELD - State Senator Tom Cullerton is taking action to help eliminate the backlog of evidence sitting unchecked at state forensic labs.
Cullerton (D-Villa Park) passed House Joint Resolution 7, which directs the Auditor General to conduct a performance audit of the Illinois State Police Division of Forensic Sciences.
"Forensic evidence can make or break the outcome of a case," Cullerton said. "These scientific procedures are increasingly important in solving crimes. It is imperative that we speed up this process to ensure that justice is delivered swiftly."
The resolution directs the Auditor General to examine crime labs' equipment, procedures, and staffing levels with the goal of identifying and reporting to the General Assembly on factors preventing them from compliance with federal rules on swiftly processing evidence.
The current backlog of biological evidence includes numerous cases of violent crimes, including murders, shootings, and criminal sexual assaults, that end up being delayed for long periods of time. It typically takes at least one year for biological evidence to be processed by the state crime labs.
In today's climate where police and prosecutors are increasingly scrutinized about their procedures, DNA evidence is crucial to the successful prosecution of criminal cases.
"One of the most important players in any type of testimony often isn't a person but the forensic evidence," Cullerton said. "Our hope is this report will provide the General Assembly with the knowledge to help give the Illinois State Police the necessary tools to drastically improve turnaround and ensure they are in compliance with federal protocols."
This bipartisan initiative is sponsored by State Representative David McSweeney (R-Barrington Hills) in the House.
House Joint Resolution 7 passed the Senate's State Government Committee with bipartisan support and now heads to the full Senate for consideration.
This item was posted by a community contributor. To read more about community contributors, click here.


text: Uncategorized Hello world! September 27, 2015 Welcome to WordPress. This is your first post. Edit or delete it, then start blogging! admin No Comments Leave a Reply Cancel Reply Name * Email * Website Save my name, email, and website in this browser for the next time I comment. Next Post Freelance Social Media Photographer


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support us
Financial support by Trusts, Foundations and individuals is vital to the work of the Maxwell Quartet.
Our vision - renewing the place of the string quartet within contemporary cultural life both in Scotland and around the world.
We want to play a key role in contemporary musical life for a broad spectrum of society, bringing the experience of chamber music to new contexts, spaces and venues, as well as new audiences, including communities in areas of Scotland with less provision. At the heart of our approach is an exploration of new music and new cross-arts, collaborative projects.
Financial contributions of all kinds help us to develop and realise our ambition as a string quartet. We rely on external support to commission new music, to organise and promote new projects, and to make our events accessible to all.
If you would like to make a donation or support our work, please contact us, as we would welcome the opportunity to discuss our projects with you and how you might be able to help.
We are enormously grateful to have received support from the following Trusts, Foundations, Organisations and Individuals:
Creative Scotland
PRS For Music Foundation
Help Musicians UK
St Columba's Drimnin Trust
Mr & Mrs Lofthouse
Park Lane Group
Mr K Wilson
Enterprise Music Scotland


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taking steps to prevent family violence
Run Against Violence is a volunteer-based, member association established to use running and other sporting activities as a conduit for engaging the broader community in family violence prevention.
We are on a mission to create a positive culture within our local communities, to remove the stigma and social barriers that often stop people from talking about their experiences with violence and asking for help when it is needed.
Our approach is inclusive. We believe that anyone can be a target or perpetrator of family violence and that we all have a role to play in prevention. Whether you run, walk or roll, everyone is welcome.
how we started
Run Against Violence was started by a group of runners following the success of the White Ribbon Ultra Marathon in 2014. Held over 12 days, the 860km solo run by Kirrily Dear brought together people from throughout regional NSW to raise awareness about intimate partner violence and its impact on the community. A documentary called ICEBERG was made about the experience. That became the launchpad for the growth of the organisation.
Need support?
Run Against Violence is an awareness campaign, we do not provide support services to people experiencing family or domestic violence. If there is an immediate threat to safety please call Triple Zero (000). If you or someone close to you is experiencing violence and would like to talk confidentially about your next steps please call 1800RESPECT (1800 737 732).
Here are some other support services you might like to learn about.


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anyways as a guy i would say the following
- for your hair just go to your hairdresser and ask her to do something that older girls usually get done
- for the love of god do not use loads of make up, just use small amounts that will make you look older and more mature.
- just wash your face and dont overly tan as that is the first sign of an lg (little girl) (girl trying to look like a w****)
- just get some nice clothes that arent overly dressy or under dressy, some nice stuff, idk lol
- dont get a bellybutton ring just yet as it will look out of place on your young body. just keep with some simple ear rings
I can identify with you. I have always been called younger than my age ever since I was very younh. It got worse after I turned 18, Finally an adult and people will tell me I looked 13 - 14 yrs old. I was really self contious and everything but now I no longer care what people think. I gave my life to Jesus Christ and became a christian when I turned 19. He helped me to let go of all the self hate and see myself the way that He sees me. I learned to love myself and accept myself the way I am. My life changed. I just want to tell you. Dont listen to anyone. God made you this way. He formed you in your mother`s womb and predetermined your existance before you were born. You are beautiful and unique. Made in God`s image. Stop worrying about what people think. Wasting years and time in vain. I regret all the time I wasted. Live your life for You. Go after your dreams and goals and pursue happiness. Those people who laugh and critic you most dont do it to intencionally hurt you. People just dont think. And if they do do it intentionally then they are losers and have no life. They are self contious themselves and try to hide it by picking on those who dont look like them. Some may even envy you. Wishing they were as atractive as you. WHO CARES what they think? You are being true to yourself and moving forward to success. You will most likely never see them again in your life and if you do SO WHAT? After I had my baby 8 months ago I havent had any good sleep since and I got dark shadow and bags under my eyes. I was actually feeling sad because I thought to myself that I looked bad and a bit older. Well guess what.. I still get people asking my age and thinking im 16. Yesterday I was in the supermarket I frequently visit and one of the workers finally got the nerves to ask how old I was. Being used to it by now I find it quite amusing. I told him my age and surely he says "NOO really? I thought you were 16.. No you look like you`re 16." To which I laughed and respond "Oh thats a good thing. Thats a blessing from God. And I also take good care of myself. I dont eat just anything." Then I continue with my shopping as if nothing happened. Its amazing but it will keep on happening no matter how many kids you have or how many bad sleepless nights you have. Its just how you are. I no longer care what anyone thinks of my apperance. I was born this way. My facial features are together formed in a way that makes me look youthful and nothing can change that no makeup, no clothing. You shouldnt try to change for NO ONE. Accept yourself and learn to love yourself. Then others will respect that about you.


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Courtesy Post by Denton Humane Society:
LUKE is a male Basenji mix who is 3 1/2 yrs. old and weighs 19 lbs. He is very playful and intelligent. He loves to toss his treats in the air and then delights in catching them. He is also quite the little watch dog, protecting his property and family. After a day of playing and protecting, he loves nothing more than to lay on the couch next to his human and watch a little TV before bedtime. He is crate trained and prefers to sleep there. He is completely vetted–vaccinated, neutered, microchipped, hw neg., and on preventative.
It would be nice if Luke and his friend Bella could go to a forever home together, but they could go to separate homes. If interested in meeting one or both of these 2 little spitfires, please email me at firstname.lastname@example.com for an application.


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Navratri is around the corner and preparation for the nine nights of fun is on in full swing.... So the DANCE DANDIYA NIGHT season 3 presented by Dainik Jagran & Radio partner Radio Ishq with all new energy, thrill, excitement, enjoyment and color of Navratri.
Make your festival more memorable with performance from ever scintillating and your very own Delhi girl - Shibani Kashyap on the finale day, 7th Oct 2019
On 6th Oct 2019, enjoy the evening with Rini Chandra. Hit the dance floor with DJ Dipika Panday. be loud with Bollywood Acoustic Project Band & make your shaam mastani with Rhythm Dance Art on 5th & 6th Oct 2019
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1A Movie Club Rewind: "Get Out"
Producer and director Jordan Peele has a lot to say — but he admits it took him a while to say it. His movie "Get Out" is more than just an Oscar winner, it's a conversation-changer. The movie came out last year, but we really wanted to talk about it. | Want to support 1A? Subscribe to our podcast and give to your local public radio station at donate.npr.org/1A. Email the show at email@example.com.


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The 4 records in series
Kevin X. D. Huang, Zheng Liu (2004) "Inflation targeting: what inflation rate to target?" / RePEc:fip:fedpwp:04-6
Aubhik Khan, Julia K. Thomas (2007) "Idiosyncratic shocks and the role of nonconvexities in plant and aggregate investment dynamics" / RePEc:fip:fedpwp:07-24
Francis X. Diebold, Javier Gardeazabal, Kamil Yilmaz (1993) "On cointegration and exchange rate dynamics" / RePEc:fip:fedpwp:93-2
Graciela L. Kaminsky, Karen K. Lewis (1996) "Does foreign exchange intervention signal future monetary policy?" / RePEc:fip:fedpwp:96-7
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text:
Pitching for bold reforms, State Bank of India chairperson Arundhati Bhattacharya on Thursday said banks should be allowed to take decisions on mergers and issue shares with differential voting rights to raise additional capital.
"It is extremely important for India to have three to four major banks. We should allow the banks to come together and talk among themselves. In the past, we have seen government has forced some mergers but it is important to start a conversation with banks as to who should merge with whom," Bhattacharya said.
While pitching for consolidation in the sector, she, however, said strong banks must not be forced to rescue bad banks. "A much better merger is of good banks with good banks and bad banks with bad banks. Mergers must be between consenting banks," she said, adding that the government could also think of selling some of the loss-making banks. "Many banks have just started and have no branch network. They can take over such banks," she said at the Delhi Economics Conclave.
Welcoming the government's decision to allow public sector banks (PSBs) to raise capital from the market to meet BASEL III norms, Bhattacharya said lenders should also be permitted to issue shares with differential voting rights. The Union Cabinet had on Wednesday permitted PSBs to dilute government shareholding to 52 per cent to help raise Rs 1.60 lakh crore from the markets.
She also said that the government needs to work on developing the bond and equity markets in order to help finance infrastructure projects. "Banks need some kind of backup on take-out financing," Bhattacharya said, pointing out that banks are already doing 90 per cent of the project financing despite problems of asset-liability mismatch.
'Budget should give more rebates for home loans'
NEW DELHI: SBI chairperson Arundhati Bhattacharya on Thursday listed out the banking sector's demands for the Union Budget 2015-16 including a higher interest subvention on housing loans of up to Rs 25 lakh and increasing the cost of house to Rs 35 lakh.
Further, the interest subvention on education loans should be extended to those based on income criteria. In agriculture sector, the government must allow subvention of term loans rather than crop loans, she said. ENS


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If the second half of the 20th Century was the "age of equality", then what does that say about the era we're currently in? Especially when there's still so much work to do before differences are truly valued in organisations.
According to diversity expert Heather Price from Symmetra, what we're now experiencing is the "age of equity". We're legislated against overt discrimination in the workplace (although there's still some work to do), now it's time for organisations to ensure our differences are acknowledged for the benefits they can bring, and company policies are adjusted in order to accommodate the differences that come with a diverse workforce.
"Equity and equality are two terms that are used interchangeably and yet they mean fundamentally different things," Price told an audience at an Ambition recruitment breakfast in Sydney.
"Treating people equally means treating people exactly the same. But treating people equitably means recognising what those differences are and making quantum leaps to meet those differences."
That means dispensing with a monolithic workplace culture to create structures and policies that promote inclusiveness.
So far, the expectation of equitable treatment in the workplace has led to more companies offering flexible work options. It's a provision that covers a broad range of needs for a diverse workforce – needs more encompassing than the "working mothers" group.
Companies are doing this because they recognise flexibility is an enticing incentive, seen as a favourable provision by everyone from Gen Y employees to soon-to-be retirees, students, those with caring responsibilities, and individuals looking to pursue extracurricular activities outside of work.
Indeed, as Price noted, a recent Mercer study found the demand for flexibility has become a leading incentive for those seeking a new employer, coming from all quarters of the workforce, not just working mothers. Meanwhile, when 60,000 global execs were asked by Regus if their companies were more productive thanks to flexible work, 73% of those in Australia surveyed said 'yes'.
Such incentives might be popular, but according to Price the uptake of flexible work does not reflect its perceived attractiveness. She said she's encountered some of the most cutting edge flexible workplaces around the world with plenty of options on the table, but very few such options actually being used.
So we want flexible work. We're being offered it. But we're not accessing it. Why?
Price suggested three reasons. Firstly, jobs are going "part-time" but they're not being redesigned to ensure the employee isn't being overworked and underpaid in the process. We've all heard the horror stories of colleagues cutting back to four days, only to find themselves working an extra two hours a day in order to make up for the day they have "off". Job redesign is a skill, Price said, and may require training and/or experienced professionals to effectively reshape positions.
Secondly, employers are still placing too much emphasis on face time in the office. Be present and you look productive, something that leads to the "leave a jacket over the chair" mentality when leaving the office at 5pm to give the impression you're still around. Employers must focus on outcomes in order to make flexible options attractive. Sitting at your desk is no longer good enough.
And, finally, Price suggested a lack of flexible career paths may be hindering the uptake of flexible work. If ambitious employees see no senior leaders within their organisation working flexibly, they're likely to believe flexibility is a career limitation. Meanwhile putting jobs into two buckets – full-time or part-time as they're frequently advertised – further promotes the idea that the more "flexible" option will limit one's career. Price suggested all jobs should be considered open to flexible working elements.
If we're truly entering the age of equity, then we have some significant adjustments to make. A good start would be to ensure that flexible work options are not just on the "nice to have" shelf, but also an integral part of a company culture.


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Although most of Ohio State's 2019 football recruiting class signed in December, National Signing Day should have some drama for the Buckeyes.
Three recruiting targets — all offensive linemen — have set announcement times for Wednesday, the traditional signing day which has taken a backseat to the new early signing period in late December that began in 2017.
>>RELATED: 6 things to know about the 2019 Buckeyes | 5 takeaways from the early signing period
Enokk Vimahi, a four-star prospect from Kahuku, Hawaii, will announce his choice between Ohio State, Oklahoma and USC at 12:30 Eastern Standard Time.
Doug Nester, a four-star prospect from Huntington (W. Va.) Spring Valley will choose between Ohio State, Penn State and Virginia Tech at 5 p.m. EST, and Dawand Jones, a three-star prospect from Indianapolis Ben Davis, will announce his decision at 6:30 p.m. at his high school.
Jones has set a top five of Ohio State, Indiana, Florida, Penn State and USC.
Nester is a long-time Ohio State commit, but he began re-evaluating his options in December after Urban Meyer announced he would retire following the Rose Bowl in January.
(As an aside, Nester's 247Sports scouting profile compares him to Alter graduate Joe Thuney, who won his second Super Bowl with the New England Patriots on Sunday. Thuney was a two-star prospect when he signed with N.C. State in 2011.)
Vimahi and Jones entered the picture more recently as restocking the offensive line became more urgent.
Michael Jordan somewhat surprisingly opting to enter the NFL draft early left Ohio State with just 11 scholarship offensive linemen for 2019, a group that includes three redshirt freshmen and true freshmen Ryan Jacoby of Mentor and Harry Miller of Buford, Ga.
The troubles up front started a year ago when Fairfield five-star prospect Jackson Carman spurned the Buckeyes for Clemson and continued through December with the uncertainty surrounding Nester and the inability to flip Nick Broeker, a three-star prospect from Illinois who signed with Mississippi.
Zeke Correll, a four-star prospect from Cincinnati Anderson and Ohio's No. 3 overall prospect in 2019 according to 247Sports Composite rankings, signed with Notre Dame in December while six other Ohioans ended up elsewhere in the Big Ten: Akron Hoban guard Nolan Rumbler and Cincinnati Moeller guard Zach Carpenter signed with Michigan, Mentor guard Nick Samac and J.D. Duplain of Strongsville signed with Michigan State, Youngstown Cardinal Mooney guard Kyle Jornigan is headed to Purdue and Milford tackle Connor Foster will play at Northwestern next season.
Regardless of who signs where, National Signing Day will be busy at the Woody Hayes Athletic Center as the six true freshmen already on campus are scheduled to meet with the media in the morning.
That group is headlined by Zach Harrison, a defensive end from Olentangy Orange High School who was the No. 1 recruit in Ohio in 2019, and five-star receiver Garrett Wilson of Austin (Texas) Lake Travis.
It also includes offensive lineman Ryan Jacoby and defensive lineman Noah Potter, both from Mentor, Ohio, running back Marcus Crowely of Jacksonville (Fla.) Trinity Christian Academy and safety Ronnie Hickman of Wayne (N.J.) DePaul Catholic.
Later reporters will have a chance to chat with members of first-year head coach Ryan Day's new staff.
>>RELATED: 2019 coaching staff finalized
Day is scheduled to speak publicly for the first time since he officially took the reins of the program from Meyer on Jan. 2.
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USC Gamecocks Football
Gamecock QB commit accounts for five TDs, five-star helps score 68 points
South Carolina commits Zacch Pickens and Luke Doty and their teams are headed to the next round of the playoffs.
Pickens' TL Hanna squad dominated Northwestern, 68-7, in the second round of the Class 5A playoffs Friday night. TL Hanna faces Dorman in the third round next week.
Pickens added to his touchdown total with two more rushing scores to go along with 78 yards. He has 17 touchdowns on the season.
The five-star prospect also had two tackles against the Trojans, who feature USC commit Jamario Holley. The Northwestern receiver's was held to two catches for 10 yards.
Doty accounted for five scores as Myrtle Beach defeated Marlboro County, 42-14, in the second round of the Class 4A playoffs. The Seahawks face rival North Myrtle Beach next week.
The junior quarterback was 12-of-18 for 207 yards and three touchdowns. Doty also rushed for 83 yards and two touchdowns.
USC commit Keshawn Toney had a big performance in his final high school game. The Williston-Elko tight end had 10 catches for 125 yards in the 48-22 loss to Lamar in the Class A playoffs.
Class of 2019
Derek Boykins (Central Cabarrus HS, NC) – Season ended with 48-0 loss to Weddington
Devontae Davis (Georgia Military) – Season is complete. Had 30 tackles and four sacks this season.
Jahkeem Green (Highland CC JC) – Season is over. Finished with 67 tackles and 2 ½ sacks. Was second-team all-conference
Kevin Harris (Bradwell Institute HS, Ga.) – Season came to an end with 35-0 loss to Northside.
Ryan Hilinski (Orange Lutheran HS, Calif.) – Season complete.
Keveon Mullins (Whitehaven HS, Tenn) – Whitehaven defeated Germantown, 14-0, in playoffs.
Traevon Kenion (Wake Forest HS, N.C.) – Off this week. Begins postseason next week against Fuquay-Varina.
Cam Smith (Westwood) – Had one catch and five tackles in season-ending loss.


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Posts Tagged 'Robert Rice'
Eight Years Later… reflections on loving, losing, and living on
I wasn't sure whether — or how — I would write about this today. I read my past posts about losing Robert, and my past posts about loving Robert. I reread the little book he wrote just before he died: the last thoughts he wanted to share.
Then when I started reading some of the cards and letters he wrote me, I decided I'd let Robert speak for himself. I share some of these to show you that it's never too late to find your great love, and maybe we shouldn't settle for anything less.
If your beloved is with you still, please set aside the petty things that annoy you, solve the big issues as best you can, communicate your needs in an honest and loving way, and please let your loved one know your gratitude and appreciation. Surprise your loved one with sweet messages. Make every day together count.
And if you've lost your loved one, know that it does get better year by year, especially if you stay active and let people get close to you. It's all too easy to close down and shut people out. But don't! Find ways to live with joy and clarity. Keep learning. Use your skills and knowledge to help others.
|Front of postcard
One the first anniversary of Robert's death, a grief counselor suggested that I do one thing that honors my memory of Robert, one thing that I've never done before, and one thing that helps other people. That turned out to be good advice, not just at year one, but at every anniversary, birthday, and holiday — those days when the pain can be especially sharp.
Moving forward, I've learned, doesn't mean that we've left our loved one behind — it means we take with us what we shared, what we learned, and above all, that we know how to love and live fully. Eventually we find that the tears diminish as laughter grows, and when our hearts open, joy can enter.
|Back of postcard
I welcome your comments.
Remembering Robert today
I'm missing Robert terribly today. Tomorrow is Father's Day. I'm reminded of the beautiful photo that his son, Mitch Rice, posted on his Facebook page last Father's Day.
I never knew Robert as the dashing 50-year-old dancer in the photo — he was 64 when we met (still dashing and still a dancer!), and I was 57. Looking back, we were youngsters. I'm now 71; he would have been 78. How I wish we could have grown old together.
In case you're new to our story, Robert and I had exactly seven years together — first kiss to last kiss — before we lost him to cancer. Our love story catapulted me into this world I inhabit now, the world of writing and speaking about senior sex. This August, I will have had as many years without him as with him.
Today I bought a new car. I sold Robert's 2006 Volvo, which I had been driving since he died. It felt like one more letting-go to sell his car. A few months ago, my 16-year-old cat Amo died. Robert had never liked a cat before, let alone loved one. He loved Amo.
I know that my memories of Robert won't fade just because my cat died and his car is gone, but it feels like some pages of our time together have been ripped out, or maybe I'm living chapters of a new book that doesn't include him. I don't know if I'm making sense, or even if it's a good idea to write this for my public blog instead of my private journal — perhaps you'll tell me.
And yet, much as I still ache to hold my sweet Robert, to kiss his warm lips and hear his loving voice, I'm never truly without him. He's here in my house with his art adorning my walls. He sends me bird chirps and flowers and the occasional salamander. He rustles the trees and smiles at me on the dance floor. He tells me how proud he is when I finish a new book — a book he'll never get to read.
August 2: First Kiss… Last Kiss
|Joan & Robert line dancing, 2001
Thirteen years ago today, I kissed Robert for the first time.
Six years ago today, I kissed Robert for the last time.
Sometimes I think that he chose to die on the anniversary of our first kiss, so that I could soften the memory of his death with the memory of our first kiss. But as vivid as that first kiss is is my mind, as clearly as I still feel the magic of the moonlight on the first night we dared to touch, these memories don't soften the loss — or the harshness of remembering how this gentle, loving, good man suffered from a painful cancer.
On this anniversary, I keep writing sentences and deleting them. I could write in my journal instead, and every word would stay.
|Robert's last birthday, 2007
But I'm not just writing for myself here — I'm writing for you, my community of readers, and many of you have suffered your own losses, many fresher than mine. Some of you are with the person whom you love, and you can't imagine how you could survive losing your beloved. Others have been alone for a very long time. Some of you are losing someone now.
So what would be of use and of interest to you?
Here are some things that I've learned over the six years:
1. It does get better with time. Everyone told me that, and frankly, I couldn't imagine it during the first years. My heart and gut had been sliced into pieces, the elephant kept stomping on my chest, and the most important person in my world was gone. How could this possibly get better? But it did.
2. We are remarkably resilient. We survive. We learn to laugh again. We feel the life force within us filling us with possibility.
3. We gradually find ourselves able to connect with new people. Many of us learn to love again. No, I haven't fallen in love again, but believe it or not, I feel more open to that possibility than I ever would have predicted. I am able to connect with men now, and that feels good.
4. We can find our beloved in our world if we look and listen. Sometimes I practice being really quiet and watching nature around me. Then a bird swoops close, alights on a branch, and sings. I like to imagine that Robert sent me that bird.Or that iris that I spot on one of my walks that looks like the one in the kimono painting he created for me for one birthday.
5. We carry within us the best of the person whom we loved. I'm not religious, and I don't know whether there's an afterlife. But I do believe that the special lessons we learned from our beloved, the ways we grew that would not have happened without this person, these are the ways that our beloved continues to live. And when we pass those lessons on to someone else, this is immortality.
If you lost a loved one, I invite you to share what you've learned since that loss that might help others.
(If you haven't read Better Than I Ever Expected: Straight Talk about Sex After Sixty — my first senior sex book which narrates our spicy love story, learn more here.)
Valentine's Day 2013
|(Robert can't stop laughing after pulling my hat down)
For Valentine's Day this year (2013), I'm re-publishing the post I wrote in 2011, updating it slightly.
I always loved Valentine's Day with Robert. We bought each other gifts, professed our love for each other emphatically and often poetically. We spent the afternoon making love, glorying in the magic of the powerful passion we felt for each other. We would love each other for hours — a candle lighted even in the bright light of afternoon, the bedroom door closed though we were alone in the house. I can still feel the touch of his skin, the sweet pressure of his lips. I hear the love words he muttered.
Dancing was always a part of our self-expression and love expression. One of "our songs" was Anne Murray's "Could I Have This Dance?"
Could I have this dance
for the rest of my life?
Would you be my partner
Every night?
When we're together,
It feels so right.
Could I have this dance
for the rest of my life?
Every Valentine's Day and birthday — and sometimes New Year's Eve, too! — he danced for me: a special dance he had created just to please and entice me. He practiced for days in private, choosing the music, the choreography, and the costume that he would shed slowly and sensuously as part of his dance.
2013: This is my fifth Valentine's Day without Robert. It wasn't until the third one that I was able to remember his special dances without crying. What beautiful gifts he gave me throughout our seven years together. What beautiful gifts he gives me still, as I remember him.
For all of you who have a special loved one on this Valentine's Day, glory in what you share. Never take for granted that "the rest of my life" means anything more than "this moment right now."
For all of us who are unpartnered on this Valentine's Day, let's glory in the love we know how to give, and let's give it to ourselves and the people in our lives today. Let's do something special that nurtures us and delights us. Let's make someone else feel special. Let's celebrate our capacity to feel joy. The more love we give, the more we have within us.
On this 2013 update, a good friend is just home from the hospital after suffering a heart attack. "I died three times," he told me — that's how often they had to re-start his heart. We need to make a special point always of letting the people we love know that we love them. We never know how much time we have.
Whether or not you have a lover right now, you do have people in your life who make your life better just by being in it. On Valentine's Day or any day, tell them how you feel.


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I want to build credit in the US as I am working here under a TN Visa. I am a Canadian citizen and I have a US address.
I want the credit card to use my Canadian credit history for approval but once approved, I want it to help me build US Credit (using my US SSN).
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Antonios, Florida
October 1, 2015 05:58:00 PM
Borrowing & Managing Your Credit
4 Responses
In reply to Antonios, Florida
Thanks for joining us tonight, Antonios. We appreciate your interest in borrowing goals with TD!
If you're a Canadian Customer and are able to verify a U.S. Residential Street address within the TD footprint from Maine to Florida, you are welcome to start an application for a TD Bank U.S. Visa Credit Card by selecting the following link: http://bit.ly/1vJ8Oa9. Please note that you may use your Social Insurance number and that your Canadian credit history will be used as part of the application process or, if you have a U.S. Social Security number and use it on the application, your U.S. credit history can be used. You're welcome to fax the application to:
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If you have any questions regarding the application process or have any trouble filling out the application, please contact our TD Cross Border Team. They are available 24/7 by dialing 877-700-2913. You may also apply for a TD U.S. credit card at any TD Store. For hours and locations of Stores near you please visit http://bit.ly/TDStores. To compare the different Credit Cards we offer along with their features and benefits please click: http://bit.ly/1cUjM2H.
Again, we appreciate you choosing to stop by and have a great night.
Justin B, Mount Laurel
October 1, 2015 05:58:58 PM
In reply to Justin, Mount Laurel
Hey Justin
Thanks for the response. Let's say I am approved for the credit card using my Canadian SIN, could I add my US SSN afterwards so that it will report to American credit agencies?
Also, do you have a link to the network footprint you referred to?
Appreciate it.
Antonios, Florida
October 2, 2015 04:48:46 PM
We apologize for the delay in getting back to you, Antonios. We are researching your inquiry further to make sure we come up with the best answer. We appreciate your patience as we review this further and will get back to you with additional details.
Thanks again, Antonios and we will discuss more soon!
Colleen B, Mount Laurel
October 2, 2015 04:49:52 PM
Thank you for getting back to us with your additional questions, Antonios.
After you have been approved for a TD VISA credit card with your Canadian SIN, you may contact TD Card Services at 1-888-561-8861 to add your newly obtained U.S. Social Security Number to your existing TD Visa credit card. Although some necessary paperwork at a TD U.S. Store location may be needed to make this change, your U.S. SSN may be added onto your existing credit card account with us.
In regards to your concerns about credit reporting, please know that we report to all U.S. Credit Bureaus – Transunion, Equifax, and Experian. In regards to starting a credit report and building your credit score down here in the U.S., we recommend reaching out to those respective agencies to determine how/if they may report for you prior to you having a U.S. SSN. Likewise, once we have your U.S. SSN on file, we would also recommend reaching out to them with any questions or concerns about how they may report your payment history at that time.
Additionally, we're currently located on the East Coast of the U.S., and when we refer to 'our footprint', we're referring to one of our Store locations between Maine & Florida. Please click here to locate a location in our footprint: http://bit.ly/TDStores.
Please feel free to write back to us if we can assist you again, Antonios. Have a great weekend!
Justin B, Mount Laurel
October 6, 2015 04:47:22 PM


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