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Bed Bugs in College Dorm Rooms? Hire a Bed Bug Exterminator Company
At college the only things students should be concerned about are getting to classes on time and doing the best they can in those classes. There's no way they can focus if bed bugs attack their dorm room. Soon they'll be dealing with irritation and itching from bites, and their attempts at do-it-yourself methods will fail. Dorm rooms in Brooklyn, NY, that may be infested with bed bugs need the help of a bed bug exterminator company to get the job done properly.

subset: commoncrawl


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Pounds Watermelon Wins
October 10, 2023 in News Tags: latest-news, noticias-actualidad, sports
This competition celebrates 50 years and takes place in the framework of the celebrations of San Bartolome of local businessman. Winning watermelon in this edition than two pounds to the winner of last year, but stays to eleven kilos of the absolute record. In the category of melon, a piece of 23 kilos and 900 grams won the highest award. A copy of 67 kilograms and 850 grams has won the first prize at the 50th Edition of the contest of watermelons of the fiestas de San Bartolome held this Saturday in Villanueva de la Serena (Badajoz). If you are unsure how to proceed, check out James Woolsey. The winning fruit is owned by Antonio Gonzalez Casillas, farmer of this municipality, and exceeds by almost two kilos to winning watermelon last year, presented by two farmers in the neighbouring town of Don Benito. The second prize for this contest was for watermelons presented by Jaime Ruiz Gonzalez, with 66 kilos to 600 grams, while the third award went to one of Manuel spotted, with 57 kilos and 100 grams.
Precisely, the farmer from Villanueva de la Serena also won with the first prize in the category of melon, with a result of 23 kilos and 900 grams, record in this modality in the history of this competition. Juan Vicente stained, a melon of 17 pounds and 650 grams, and Antonio Gonzalez Casillas, with another 17 kilograms and 600 grams fruit, completed in a hard-fought fight the podium of this category. The competition took place before hundreds of people who crowded the Plaza de San Bartolome and was characterized by a few fruits of greater weight than in the previous edition. Winning watermelon weighed almost two kilograms more than the specimen that was awarded first prize in 2010, although it was still at about eleven kilos of the absolute record for this competition, which is in property from to year 2003 of the Carlos Perez Hernando Caceres with a weight of 79 kilos and 200 grams. This contest, whose weighing is carried out with a traditional scale, is organized every year by the brotherhood of St. Bartholomew and is celebrated in the festivities in honor to its patron. Source of the news: A nearly 68 pounds watermelon wins a competition to the heaviest fruit in Villanueva de la Serena


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How to Overcome Adrenal Fatigue
For more info:
In this video, I'm going to walk you through the steps on how to overcome adrenal fatigue. Most fatigue problems and adrenal insufficiency come from issues with the adrenal glands. About 80% of the population deals with this common problem. There are several warning signs that you should look for that tell you, you may have adrenal fatigue. If you struggle with fatigue, are stressed, anxious, have trouble with concentration, poor memory, thyroid issues, or gained mysterious weight, you may have adrenal fatigue.
There are three steps you will want to take in order to get rid of adrenal fatigue for good. The first starts with your diet. Foods that you will want to get out of your diet are caffeine, sugar, and hydrogenated oils. Foods that are high in vitamin B12 and Magnesium are going to support your adrenal glands and blood sugar levels so you will want to add these foods into your diet. Foods like coconut oil, coconut milk, coconut, olives, olive oil, raw dairy products, grass-fed butter, organic meats, loads of vegetables, seaweed are all crucial to adding to your diet as well. Secondly, you will want to support your adrenals by taking supplements like adaptogenic herbs (such as ashwagandha, holy basil, and licorice root), which will help your body to adapt and deal with stress. Additionally a vitamin B complex, magnesium, vitamin D, selenium will support in the healing of your adrenals. Lastly, you should focus on lowering your stress levels. Try getting 8-10 hours of sleep a night, reflect and address your stressors, add fun activities into your routine, and exercise. If you follow these three steps, you will be well on your way to naturally healing adrenal fatigue.
For more on adrenal fatigue, click here:
*This content is strictly the opinion of Dr. Josh Axe, and is for informational and educational purposes only. It is not intended to provide medical advice or to take the place of medical advice or treatment from a personal physician. All viewers of this content are advised to consult their doctors or qualified health professionals regarding specific health questions. Neither Dr. Axe nor the publisher of this content takes responsibility for possible health consequences of any person or persons reading or following the information in this educational content. All viewers of this content, especially those taking prescription or over-the-counter medications, should consult their physicians before beginning any nutrition, supplement or lifestyle program.


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Zone Denmark
Rocks Jigger
Mix delicious drinks with this double jigger – a perfect match for the ROCKS barware designed by the Danish design duo Mavro//Lèfevre.
The jigger is made of stainless steel and measures out 2.5 and 5 cl.
Material: Stainless Steel
ROCKS is an enchantingly designed range of bar accessories that add a sprinkle of glamour, celebration, and indulgence to everyday life and weekend. It mixes edgy masculinity with feminine curves, created in collaboration with talented Danish designers with a particularly good eye for women's taste.


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Wigan away form this season has been, well non existent. The players needed to put that right and they did so in spectacular fashion against one of League One's top performers last season.
Enforced changes from the 1-0 win over Crewe Alexandra last weekend. Will Griggs, Jonjoe Kenny and Craig Morgan both being replaced by Haris Vuckic, Sean Murray and Leon Barnett respectively. It meant the team kept its 3-4-3 formation, Max Power dropping into the right wing back role.
So Gary kept his shape and tactics and the team now needed to step up and perform for their manager.
It was to be a first half to forget really. Neither side making inroads in a game which looked evenly matched, or that both teams were playing equally poor. Their were chances at either end though. The best chance of the first half arguably falling to Wigan in stoppage time.
Hari Vuckic on his debut with some brilliant work out wide found set Craig Davies down on goal. Unselfishly the striker squared the ball to the on rushing Micheal Jacobs who went for placement over power. It meant Chesterfield goalkeeper Tommy Lee was able to get off his line and save the goal bound shot.
Down the other end of the pitch Chesterfield will have felt hard done to. Donervon Daniels clearly fouling a Chesterfield player in the box; only according to the referee the game should be brought back for an earlier foul. A weird and wonderful decision by the referee and a let off for Latics.
Roll on the second half then, and Chesterfield started to get more of a foothold in the game. And 15 minutes in they had their break through. Max Power showed Dan Gardner the goal instead of pushing him out wide, and the attacker open up his body and curled a fantastic shot past Wigan keeper Richard O'Donnell to make it 1-0.
That took the wind out of the Wigan sails and the changes from Gary Caldwell, who brought on Chris McCann and Jordy Hiwula, hadn't helped. Instead the game looked to be slipping away from Wigan and that was confirmed when Leon Barnett expertly headed into his own goal. Chesterfield freekick was whipped in with pace and power, Barnett had to get something on the ball, he just got too much and saw it sail into the net.
That was game set and match you felt for Wigan, surely there would be no come back.
Last season I would have been right, however this year we have a team which is fighting for eachother and are willing to dig in when they need to. Cue a final ten minutes which saw Chesterfield crumble.
First Leon Barnett made up for his own goal. A corner wasn't cleared properly and Barnett found himself at the edge of the box with the ball bouncing towards him. So what does he do? Well volley it into the back of the net of course. 2-1 and Wigan heads shot up.
Pressure on the Chesterfield goal and the cracks began to crumble. With three minutes to play Chris McCann burst into the box and was brought down by a clumsy challenge from Sam Hird. Penalty from the referee and up stepped Craig Davies to slot home is second of the campaign.
At 2-2 with minutes to go you wondered if Wigan could muster one more chance, and that they did. A pinball situation late on in normal time in the Chesterfield box, and Jordy Hiwula calmly volleyed the ball home to make it 3-2.
The scenes in the away end showed just how much it meant. The demons of last season looking to be off our backs, are Wigan fans beginning to believe again? With ten points from the first six games, and now up in the top half of the table. Caldwell's Wigan Athletic are building momentum and in the right direction.


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Soft Sensing
Maximize quality and output with robust online process models
Using available process data virtual analyzers calculate unmeasured parameters for closed loop controls.
Helping operation managers maintain realtime optimization
Virtual models based on historical data convert measured parameters such as temperature, pressure, and flow rate to rapidly predict variations in production qualities. Output from these models can be used in closed loop control systems to optimize production.
Directly see what happens in the plant
Soft sensors provide real-time feedback on your processes without investing in expensive online analyzers or waiting hours or days for manual laboratory test results
Improve asset performance
Process parameters calculated by soft sensors allow operators to maximize output by moving the average operating point much closer to operational limits. Higher impurity levels, within the operating limits, have a positive impact on the energy consumption.
Realtime monitoring of process health
Softsensors are used to compute, in real time, fouling in reactors and heat exchangers. This equipment health monitor reduces the risk for outages significantly. Running with equipment with less fouling will save millions per year on energy.
Realize significant cost savings
With the use of soft sensors based on good models and real time data, robust virtual sensors can be built in a cost-effective way to improve process controls.
Revamp of Inferential Models for Distillation Column
Minimize energy consumption
A soft sensor to predict sulfur dew point at each stage of a Claus reactor was developed based on known factors and then fed into an APC system to minimize energy use and maximize conversion.
Sulfur Dew Point Inferentials
Optimize product concentrations
Even for very slow process dynamics, a soft sensor/virtual analyzer can be developed to improve control of a property, and then used to optimize production output in conjunction with an APC system.
Controlling Properties with Very Slow Dynamics Using Virtual Analyzers and Step Response Models
Soft sensing end-to-end value
.. and more reduction of product quality variations
energy (steam) reduction in distillation columns when soft sensors used in combination with APC perform accurate quality control.
reduction of emissions (CO2, NOx, Cl,..) due to optimal combustion control (furnaces/boilers/…) powered by soft sensors
energy savings when fouling of reactors and heat exchangers is detected at an early stage.
Other services
Advanced Process Control
APC systems maintain your operation at the optimal operating point. APC improves product yield, maximizes throughput, increases your plant's efficiency under varying feedstock quality and operating conditions.
Process Modeling
Turnkey models provide in-depth intelligence for improved analysis, troubleshooting, and operation
Emissions Monitoring
Meet environmental goals by tracking and reporting emissions & targets.
Machine Learning & Data Science
Data-driven models identify hidden patterns that can lead to increased quality and predictability.
Latest news and insights
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A Sophisticated Finish Boutique
Paparazzi Manhattan Musical Beaded Bracelet - Black
Regular price
Sale price
Shipping calculated at checkout.
Attached to two floral fittings, rows of shimmery silver chains flank a black beaded strand around the wrist. Dramatic black beads and faceted crystal-like beads swing from the centermost strand for a refined finish. Features an adjustable clasp closure.
Sold as one individual bracelet.
Get The Complete Look!
Necklace: "Rockefeller Romance - Black" (Sold Separately)


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Moscow, Dec 30 (IANS) Russian Foreign Minister Sergei Lavrov discussed developments in relation to the joint Russian-Turkish peacekeeping centre in the conflict-ridden Nagorno-Karabakh region during his meeting with Turkish Foreign Minister Mevlut Cavusoglu in Sochi.
"The centre was created as a result of an agreement reached between the President of Russia Vladimir Putin and Turkish President Recep Tayyip Erdogan," the Russian Foreign Ministry cited Lavrov as saying during a press conference following the meeting of the Russia-Turkey Joint Strategic Planning Group in Sochi on Tuesday.
Lavrov further emphasised that progress in relation to the development of the monitoring centre is currently underway, reports Xinhua news agency.
According to TASS, the Turkish side acknowledged that a ceasefire regime has been established in the region, and expressed hope that the joint monitoring centre in Aghdam, a district handed over to the Azerbaijani military on November 20 as a condition of the truce, will be fully set up in the very near future.
Both sides agreed that the tense situation in Nagorno-Karabakh should not be used to deploy foreign mercenaries to the conflict, the Ministry said.
"Relations between the Russian Federation and Turkey have intrinsic value and are self-sufficient. They do not depend on someone's aggressive, unfriendly actions and do not depend on anyone's whims," Lavrov noted while discussing bilateral ties.
"Our relations acquired strategic importance long before the West began to threaten and impose its illegitimate unilateral sanctions," he added.
In a related development also on Tuesday, Turkey sent soldiers to Azerbaijan to join Russian forces at an observation post in Nagorno-Karabakh.
"Our staff went to Azerbaijan, and are ready there. One general and 35 of our officers will take office immediately after the construction of the joint centre is completed and becomes operational," Turkish Defence Minister Hulusi Akar said on Tuesday.
In November, the Turkish Parliament approved a motion for the deployment of its troops at the joint centre for a year as part of an accord between Ankara and Moscow to monitor the implementation of the fourth ceasefire between Armenia and Azerbaijan.
The three other ceasefires — two brokered by Russia (October 10, 17) and one by the US (October 26) — collapsed after Armenia and Azerbaijan traded accusations and attacks.
A new round of armed conflict broke out on September 27 along the contact line of the disputed Nagorno-Karabakh region, which is internationally recognised as part of Azerbaijan but mostly governed by the Republic of Artsakh, a de facto independent state with an Armenian ethnic majority.
Armenia and Azerbaijan went to war over the region in 1988-94, eventually declaring a ceasefire.
However, a settlement was never reached.


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Carbon farming agtech Agreena acquires Hummingbird Technologies to scale markets with integrity
Today's announced acquisition from Agreena comes as an industry-first in regenerative agriculture. As the new marketplace for soil carbon certification quickly develops, the purchase of groundbreaking MRV-technology from Hummingbird further ensures the validity of its carbon certificates. This deal enhances Agreena's capabilities and consolidates its leading market position.
COPENHAGEN (28 July 2022) – Technology is one of the main drivers in scaling the verification of carbon offset projects, with data and automation ensuring both its speed and fidelity. Agreena's cross-border acquisition of U.K.-based Hummingbird Technologies is clear proof of this dynamic. With this new chapter in their partnership, Agreena puts key financial and commercial resources into the development of Hummingbird's MRV (monitoring, reporting & verification) technology, a crucial innovation that helps create trustworthiness around soil carbon certificates.
Agreena and Hummingbird have closely collaborated for years, with the deal coming as an aligned strategic move between both leadership teams. The merger strengthens Agreena's value chain, underlining the company's internationally leading position within the agricultural sector for soil carbon certification. The purchase will result in a company with more than 80 combined employees. Agreena has been operating its soil carbon program in 13 countries throughout the pan-European market, and the new acquisition will build its operational capacity in the Americas and Australia.
"Agreena is on a mission to enable an international regenerative agriculture movement, and this market-leading MRV solution can deliver a massive scalable impact," says Simon Haldrup, co-founder and CEO of Agreena. "We have been thoroughly investigating advanced technology solutions and working towards enhancing our protocol since day one – and with this acquisition, we are not only scaling but also enhancing the integrity of the market."
Satellite technology helps verify farmers' transition into sustainable production
Hummingbird's original technology vision as set out in 2016 by founder Will Wells, who will join Agreena as an advisor, was to alleviate the climate burden of intensive farming and food production through advanced remote sensing and data science. AI and satellite technology can support on-field data in proving that farmers have redirected their production towards more sustainable agricultural practices.
Hummingbird Technologies has developed a machine learning-based monitoring and verification solution that uses low-orbit satellite imagery and ground-truth data. It automatically recognises and reports on-farm regenerative agriculture practices such as cover crops, tillage, and crop rotations to track green biomass and continuously monitor field activities.
Agreena says that merging the two companies' technology capabilities and bringing Hummingbird's AI-based verification in-house is just the beginning and that jointly, the teams will be delivering innovative new tech solutions for the agriculture industry and soil carbon markets.
The perfect match
"Hummingbird and Agreena were early pioneers in what is now a thriving regenerative agriculture economy. Our complementary technologies have enabled this market to take off, and as such, this is the perfect match," says Alexander Jevons, CEO of Hummingbird Technologies. "Our companies' partnership-turned-marriage is a natural progression in a maturing and fast-growing industry."
The two organisations will continue being led with their teams operating fully intact from Copenhagen and London – independently united in human, technology, and market resources.
About Agreena
Founded by visionary agriculture and FinTech specialists and started as a digital trading platform intended to make grains trading more democratic and efficient, today Agreena is one of the first platforms across Europe to facilitate issuing and trading of carbon certificates for farmers and is now serving 13 countries in Europe. The AgreenaCarbon program follows the crop year and thus allows the farmers to reap the value of their climate efforts on an annual basis. The program and its certificates are third-party validated and verified by DNV. For more information on Agreena, visit https://agreena.com.
About Hummingbird Technologies
Hummingbird Technologies provides advanced remote sensing analytics to improve the sustainability of the agri-food sector. The company uses artificial intelligence and deep learning to deliver monitoring, reporting & verification (MRV) for regenerative agriculture, enabling farmers to monetize carbon credits and other ecosystem services. For more information on Hummingbird Technologies, visit https://hummingbirdtech.com.
Media Contact
Erica Johnson
+ 45 3152 4980


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What is Ketamine: Medical Use
Ketamine has a long history of medical use and the research to date supports ketamine as a safe and effective medication when administered by appropriately-trained medical professionals, such as anesthesiologists. It is an FDA-approved, and legal drug. It is one of the most commonly used medications throughout the world today.1 This anesthetic drug has been used in very high doses in operating rooms throughout the world on a daily basis for decades.
Here are some of the most common medical uses of ketamine:
- For pediatric and adult sedation in ERs, ORs, wound care clinics, and ambulances.
- For sedation for cataract procedures, for plastic surgery procedures, and in dental office
- For battlefield and wilderness medicine
- To break status asthmaticus
- To break status epilepticus
- For difficult airway OR cases
- For trauma and cardiac surgery
- For cesarean Sections and fetal surgery
- To decrease narcotic tolerance during acute and chronic narcotic usage
- For palliative care and cancer pain
It is used so widely, and for some of most vulnerable patients because of its relatively safe profile. Ketamine works an anesthetic by causing disassociation – which is a feeling of being separate and a part from one's body and physical surroundings – but it leaves the patient's spontaneous breathing intact. It is often the drug of choice for very young and very old patients undergoing procedures. It is often a key anesthetic agent for operating theaters in parts of the world where equipment is minimal or substandard.
Because of its relatively safe profile and relative ease of use by trained professionals, it is also used extensively in veterinary medicine. This is why ketamine is often referred to as a "horse tranquilizer" in the popular press. It is, in fact, used as an anesthetic agent by veterinarians for horses and other animals, although it is a gross oversimplification to reduce the drug to that label.
There is increasing study on the use of ketamine for mood disorders and for chronic pain. Much of this work has been done since approximately the year 2000. Most of the early studies have included small numbers of participants. However, increasingly there are studies and data analysis with larger patient sizes. A recent report published in May, 2017 in the Nature Journal, Scientific Reports,2 included an analysis of a very large data set of 8 million reports, and showed that patients who received ketamine had: "significantly lower frequency of reports of depression" and "significantly lower frequency of reports of pain."
Ketamine has a long history as a particularly useful anesthetic drug, and increasingly demonstrates significant results in studies and clinical practice as a treatment for pain conditions such as CRPS/RSD and for mood disorders including depression, PTSD, and anxiety.
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1. WHO Fact file on ketamine March 2016
2. Cohen et al., "Population scale data reveals the antidepressant effects of ketamine and other therapeutics approved for non-psychiatric indications." Scientific Reports 7, Article number: 1450 (2017)
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About Me, Dr Allison Wells: I started Lone Star Infusion to provide infusion therapies for depression, PTSD, pain and more – focused on ketamine infusion therapy and focused on Houston and surrounding areas of Texas. I am a licensed, board-certified anesthesiologist. I am super passionate about being a partner in helping people feel their best with evidence-based medicine.
An Important Disclaimer: The information in this and other blog posts represents my informed opinion or the opinion of others, and does not constitute medical advice and should not be relied upon to make decisions regarding medical care. To address the specific details of your medical conditions and treatments please speak with your doctors.


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If you've been playing piano for some time, you may come upon periods where you forget yourself and only the music remains. You might even have had a spiritual experience. A phenomenon where emotion and intellect become one and the outside world disappears.
This experience is what we all want, whether we admit it or not. This is a very important part of making music - especially new age music. We want that moment where we can stop thinking and start feeling.
Of course, there are times when we create something for a specific purpose such as dance music, rock and roll, etc. But when you are attuned to your feeling and letting the music flow from your fingers the wonder and magic of it is enough to make you want to come back again and again for more.
To get to this place does not require any special ability. It only requires that you know a little about chords and how to use them. Then, you place your fingers on a chord and off you go.
What makes this complicated for some is their indecision about which chord or notes to play. After all, there are thousands of choices. The solution for this problem is limiting your choices. In the free lessons, I give you a scale to play and a few chords from that scale to improvise with. This is enough material to get the imagination going. Some students thrive on limits while others fight them. I fought them too until I realized that my goal was to feel good about music making - not to create a masterpiece.
As soon as I thought about creating anything - I froze up. Technically, I knew a lot but it did me no good. I reexamined my reasons for making music and came to the conclusion to keep it simple. Simple, in my mind at the time meant boring. But I finally let go of the need to please others and as soon as I did, I began to experience music making as a spiritual experience.
Now, there is nothing that heals me so much as just being at the piano - letting the notes fall where the will within the limitations I set for myself. First, I allow myself to gravitate to any sound that calls me. For example, it could be a minor chord. It might be the pentatonic sound that calls to me. Then I simply stay within that sound or tonality and all is well.
Edward Weiss is a pianist/composer and webmaster of Quiescence Music's online piano lessons. He has been helping students learn how to play piano in the New Age style for over 14 years and works with students in private, in groups, and now over the internet. Stop by now at http://www.quiescencemusic.com/piano_lessons.html for a FREE piano lesson!


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6 jGo to kthe ant, O lsluggard;
consider her ways, and mbe wise.
7 nWithout having any chief,
oofficer, or ruler,
8 she prepares her bread pin summer
and qgathers her food in harvest.
9 rHow long will you lie there, lO sluggard?
When will you arise from your sleep?
10 sA little sleep, a little slumber,
ta little sfolding of the hands to rest,
11 uand poverty will come upon you like a robber,
and want like an armed man.
4 A slack hand jcauses poverty,
kbut the hand of the diligent makes rich.
5 He who lgathers in summer is a prudent son,
but he who sleeps in harvest is ma son who brings shame.
26 Like vinegar to the teeth and smoke to the eyes,
so is the sluggard to those who send him.
24 lThe hand of the diligent will rule,
while the slothful will be mput to forced labor.
27 oWhoever is slothful will not roast his game,
but the diligent man will get precious wealth.1
4 wThe soul of the sluggard craves and gets nothing,
while the soul of the diligent xis richly supplied.
11 gWealth gained hastily1 will dwindle,
but whoever gathers little by little will increase it.
23 In all toil there is profit,
but mere talk ktends only to poverty.
19 The way of ha sluggard is like a hedge of ithorns,
but the path of the upright is ja level highway.
9 Whoever is slack in his work
is a hbrother to him who destroys.
15 ySlothfulness casts into za deep sleep,
and aan idle person will suffer hunger.
24 oThe sluggard buries his hand in pthe dish
and will not even bring it back to his mouth.
4 eThe sluggard does not plow in the autumn;
fhe will seek at harvest and have nothing.
13 sLove not sleep, lest you tcome to poverty;
open your eyes, and you will have uplenty of bread.
5 The plans of ethe diligent lead surely to abundance,
25 The desire of gthe sluggard kills him,
for his hands refuse to labor.
30 hI passed by the field of a sluggard,
by the vineyard of a man ilacking sense,
31 and behold, it was all overgrown with thorns;
the ground was covered with nettles,
and its stone jwall was broken down.
32 Then I saw and kconsidered it;
I looked and received instruction.
33 lA little sleep, a little slumber,
a little folding of the hands to rest,
34 and poverty will come upon you like a robber,
and want like an armed man.
13 lThe sluggard says, "There is a lion in the road!
There is a lion in the streets!"
14 As a door turns on its hinges,
so does a sluggard on his bed.
15 mThe sluggard buries his hand in the dish;
it wears him out to bring it back to his mouth.
16 The sluggard is jwiser in his own eyes
nthan seven men who can answer sensibly.
19 iWhoever works his land will have plenty of bread,
but he who follows worthless pursuits will have plenty of poverty.


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Visiting Brooklyn Heights Promenade
Where can you get the best view of Manhattan? When you visit New York City, you simply must take the time to visit the Brooklyn Heights Promenade. Whether you are in Brooklyn morning, noon or night, the Promenade offers amazing views of Manhattan, the Brooklyn Bridge and even the Statue of Liberty.
Visiting Brooklyn Heights Promenade
On our recent visit to New York City, Natalie and I took the subway over to Brooklyn for a conference at the Brooklyn Historic Society. Since we were just a few blocks away, we knew we had to spend some time down at the Brooklyn Heights Promenade.
The Brooklyn Heights Promenade, a 1,826-foot-long platform and pedestrian walkway cantilevered over Interstate 278 in Brooklyn Heights, Brooklyn, in New York City, United States
We spent some time at the Brooklyn Height Promenade three different times, and each visit was a little different.
Just a few blocks down from the Brooklyn Promenade on Montague Street is a great place to stop for ice cream. Emack & Bolio's is located at 115 Montague Street, and offers tasty treats and a cozy place to enjoy your desserts.
The Brooklyn Heights area is a great place to get a little more relaxed and away from the crowd and energy of Manhattan. Take some time to walk a few blocks and really appreciate the architecture and beauty of the Brooklyn Brownstones.
The Historic Society is a beautiful venue with a rich history. If you get to visit the Brooklyn Historical Society, make sure you take the time to go upstairs and visit the research library.
Have you ever visited the Brooklyn Heights Promenade? What is your favorite time of day to visit? Got a favorite picture? I'd love to see!


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Account Executive Travel and Tourism
Diversity, Equity and Inclusion are at the core of our mission to strengthen and empower the communities we serve.
Account Executive, Travel and Tourism
Remote Position - based in Kentucky
Act as Strategic Advertising Consultant to Travel & Tourism Clients, backed by a Leading-Edge Digital Media Organization.
If you are a driven sales pro with a passion for travel, this is an opportunity to join a company on the leading edge of digital media. While experience in travel & tourism is a plus, if you have solid digital advertising sales skills, this could be your chance to work in a fun, upbeat industry. Clients in this space, such as Destination Marketing Organizations (DMO's), conventions & visitors bureaus (CVB's), attractions, and other tourism-focused businesses will rely on you to be the expert consultant and help them achieve their business and marketing goals. You will leverage your critical thinking skills and creativity to develop innovative solutions, backed by the resources of Advance Travel & Tourism as well as Advance Local. You will join a team of top talent, sharing ideas and exploring the latest trends with other "A" players like yourself. We'll reward you with a generous compensation plan, excellent benefits, professional development opportunities, and more.
Advance Travel and Tourism specializes in the development of campaigns that align with traveler intent along a path to purchase and booking. We utilize an integrated mix of marketing solutions, including content marketing, digital media, search, video, email, social media marketing and more, designed to reach the consumer every step of the way.
Advance Travel and Tourism is part of Advance Local, a leading media company comprised of 12 local affiliated news and information websites that rank #1 among local media in their respective markets and more than 30 affiliated newspapers known for their award-winning journalism. Advance Local is part of Advance Publications, along with Conde Nast and American City Business Journals.
We want to be clear: we are not looking for a travel agent, but rather for a motivated, goal-oriented sales professional. To be a good fit for the role of Account Executive, Travel & Tourism, you should have:
- A track record of success in consultative, solution-oriented sales, and a strong entrepreneurial spirit
- Experience selling digital media advertising is strongly preferred; at a minimum, you will need enthusiasm for digital advertising and the ability to learn quickly
- Travel industry experience is a plus, but you should at least have a general understanding of what motivates people to travel
- Comprehensive knowledge of needs-based selling
- Proven success at increasing sales in a competitive marketplace
- CRM sales management software experience with a leading platform, preferably salesforce.com
- Proficiency in MS Office Suite, including Excel, Word, PowerPoint, and Outlook
- A bachelor's degree or an equivalent combination of education and experience
- This job requires reliable transportation to meet with clients.
Just as important as your experience and skills will be the following characteristics and competencies:
- Strong self-motivation and the ability to achieve goals independently
- Exceptional relationship-building skills
- Excellent written and verbal communication and presentation abilities, including active listening skills
- A strong team-player approach
- Solid organizational skills, including the ability to multi-task, handle pressure and work under deadlines
Your territory will be Kentucky. You need to be willing and able to spend 40% to 60% of your time out in the field, including overnight travel. We reimburse for travel expenses and mileage on a weekly basis. You will work from your home office, and you'll need to be based within the territory.


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Is He Courting? 'Counting On' Star Jason Duggar Officially Joins Instagram
Is there a new Duggar relationship on the horizon? Jason Duggar sparked courting rumors after he joined Instagram on Tuesday, June 30. The Counting On star made his social media debut by sharing a photo from a bike ride he took with his family — but fans can't help but wonder if there might've been someone special behind the camera.
"I smell a courtship brewing!!" one commenter wrote with a heart-eyes emoji. "The boys get insta … then a courtship! It's been noted in the past."
That used to be the case, but it hasn't always held true in recent years. Jana Duggar joined Instagram in January 2019 and has yet to announce a courtship. Her younger brother Jedidiah Duggar made his page in October 2019, and there haven't been any announcements on that front either. Is it possible that the Duggars are loosening up their strict rules about social media? In the past, the 19 Kids and Counting stars weren't allowed to use the site until they were engaged (though Jessa Seewald later claimed that was more of a coincidence than a guideline).
There is another possibility. Jason, 20, might be using the site for business purposes in the same way his big brother Jed, 21, puts his page to work for his political campaign. Jase's bio lists him as a contractor, outdoorsman and musician — not to mention the business owner of Build Master Construction, which he started an Instagram account for earlier in June. On June 21, he shared a photo of a house he was helping fix up, captioning the shot, "Home renovation underway in Bella Vista, Arkansas. Replacing the siding and giving this house a facelift!"
Working in real estate and house flipping isn't anything new for the Counting On crew. Brother-in-law Austin Forsyth transformed his fair share of houses before marrying into the fam, and Jase himself has also been doing the work. In 2018, he flipped and sold an Arkansas home for a cool $167,000 just a few months after his 18th birthday. Open Corporates, a site that aims to improve corporate transportation, states his Build Master Construction LLC was incorporated later that year.
Is it really just all about business? Jase doesn't follow anyone other than his family members — at least not yet — but that doesn't mean a romance isn't in the works. Between Jase, Jed, Jeremiah Duggar and James Duggar, there are more than a few eligible bachelors in this fam.
Have a tip? Send it to us! Email In Touch at firstname.lastname@example.com.


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Cool and Chic engagement photoshoot in SOHO HOHO and Nolita NYC.
I will need to make a greater effort to shoot in the Nolita area in New York City. The area offers great boutique shops, restaurants and bars that have so much character. For Jessica and Kyle, it was their area of choice and a great choice it was. We started of at the Gold Bar and then roamed the Nolita area and ultimately ended up at the NOMO SOHO Hotel on Crosby Street. Enjoy!


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Phil Russell, PE, JD
Senior Vice President, South Central Regional Manager
Phil Russell joined Lochner as director of alternative delivery in 2009 and, since that time, has supported the firm in roles including director of strategic growth and regional team leader. Today, Phil serves as senior vice president of operations overseeing several offices and teams across the firm's organizational structure. Prior to joining Lochner, he spent 28 years with the Texas Department of Transportation (TxDOT), working on every phase of transportation development – financing, planning, environmental, right of way, design, construction, operation, and maintenance – for tolled and non-tolled highways statewide. For 10 years, Phil also served as Director of the Texas Turnpike Authority Division responsible for establishing TxDOT's first toll collection system, including both manual and open road tolling lanes. "Over the years, and throughout both my TxDOT and Lochner careers, I have been fortunate enough to be involved in most aspects of the transportation industry, including all phases of project development, from the financing all the way through construction and maintenance. I understand how all of the pieces of the puzzle fit together." Phil earned a B.S. in Civil Engineering from the University of Texas and a J.D. from Texas Wesleyan University
"There are several things that originally attracted me to Lochner and continue to keep me passionate about the company, chief among those being the family feel where people really care about each other. It's a fundamental building block of high-performing teams. The interplay here has always been very attractive to me – our offices work together for a common goal and support each other."


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Regina Luttge is chair of the Neuro-Nanoscale Engineering group at TU/e's Microsystems section and ICMS Institute of Complex Molecular Systems. (photo: ICMS)
What sort of research are you doing?
"My group works on methods for the temporal and spatial control of the cellular microenvironment by utilizing nano- and microfabrication. Finding appropriate technological control mechanisms is key to developing physiological and clinically relevant solutions for the prevention, relief and cure of human diseases.
My research line also covers the general investigation and development of microsystems for medicine and biology. We make microsystems with integrated bio-inspired functionality mediated by down-scaling device features and adjusting material properties utilizing pattern transfer techniques, that apply emerging and established nano- and microfabrication methods. My specific goal is to combine microfluidics with tissue engineering to create a realistic in vitro model of the brain, a so-called Brain-on-Chip (BoC), which can provide insights into both normal and disease-state functions of brain cell networks.
In my previous research project (ERC-StG, 2011-2016), we used a soft-lithography approach for the rational design of miniaturized 3D cell culture experiments and the generation of artificial micro-environments of physiological relevance working with primary neurons. Encouraged by the results, we now aim to forward-engineer a nervous system on-a-chip from neuronal stem cells within a new, EU-funded collaborative project, called CONNECT."
Why do we need more research on nano- and microfabrication?
"The engineering sciences generally focus on multifactorial aspects of how things work and when it comes to the microscale, life does not reveal its secrets easily. Introducing controlled environments by nano- and microfabrication methods and enabling the set-up of experiments that can study dynamic phenomena of cells and tissues occurring and being influenced at the nanometer length scale is very challenging. Hence, the understanding of critical design rules for such bio-hybrid microsystems is important and demands a broader understanding of material-tool interactions. For example, when a laser is used to ablate a polymeric material to create a micro sieve structure (as we aim to use in CONNECT) it changes also the material properties. And, it is the material's properties and geometrical structure that a cell is reactive to.
In my group, we combine the expertise required to address how fabrication at small length scales works but keep the requirements, preferences and constraints of the specific BoC application in mind."
Vision of enabling BOC technology using TU/e's integrated microbioreactor and microsieve technology. (Illustration | Regina Luttge)
Who are you working with, within hDMT?
"Mainly, I have collaborations within the hDMT BoC theme group, and specifically within CONNECT with prof. Steven Kushner and dr. Femke de Vrij (Erasmus MC). Of course, hDMT allows for a wider net of collaborations, for example, my contacts with prof. Arn van den Maagdenberg and dr. Else Tolner (LUMC) and dr. Govert Hoogland (Maastricht University Medical Centre) have been very inspiring for moving forward in tackling BoC challenges and learning more about the topic from the (bio)medical perspective.
Naturally, I work closely together with my former postdoc, dr. Jean-Philippe Frimat, who has been awarded a personal ZonMW Off-Road project grant, for which he is now based as PI in the group of Govert Hoogland. He will develop a Brain Biopsy-on-Chip model for epilepsy. At the same time, he is a guest researcher in my Neuro-Nanoscale Engineering group to further develop the BoC technology that he is using in the Off-Road project. Soon, he will transfer to the LUMC and take part as a tenure track candidate in the NOCI research program under supervision of Arn van den Maagdenberg. Probably, Jean-Philippe's CV is the best showcase for hDMT's strength and impact. I am sure that these type of partnerships and researchers like him will bring many new collaborations in hDMT and beyond to fruition also for my group. Of course, I always keep informally in touch with my former research partners and colleagues at University of Twente.
I further try to keep an eye on other theme groups within hDMT, i.e. culturing of integrated vessels could be an important design item in my research and prof. Christine Mummery is indispensable as CONNECT's scientific advisor. I feel it has been the broad base on brainstorming opportunities which made in the end the difference in receiving the FETProACT CONNECT grant together with my national and international researcher partners. I like to name particularly prof. Jens Schwamborn (University of Luxembourg). He has been instrumental for me in pushing forward my own visions on BoC technology towards an exceptionally well received grant proposal. Partnering up with Jens Schwamborn made the change from technology push to technology pull, which has been always an important factor for the innovation pipeline.
Outside of academia and within CONNECT, we work with FFUND, a business consultancy firm, who helps us to define Organ-on-Chip business models. Additionally, I work together with InnoSer, a biomedical research company and CRO, who recently started to explore Organ-on-Chip as a next generation screening tools next to their established in vivo tests."
What do you like about hDMT?
"I was brought in by prof. Jaap den Toonder, who has been with the Microsystems section here at TU/e and his own group one of the founding fathers of the hDMT initiative working mainly on Cancer-on-Chip. For the BoC theme group, giving my ERC project background, I was Microsystems' representative. Instantaneously, I felt the strength in bringing (bio)medical and technology-driven researchers at one table, however, also the challenges that come with brainstorm sessions across multiple disciplines.
What I really like about hDMT is that there is room for exploration and growing from seed to tree, so to say: at this stage of having learned each other's languages somewhat better, we start to produce the first fruits, like our established collaborations. For me, initiating CONNECT would have not been possible without the encouragement of many hDMT researchers and hDMT as a recognized innovative community for Organ-on-Chip research, and this is very enlightening."
What could hDMT do better?
"I guess: walk more, talk less! What I mean is that we not only need sharing talks but also establish working connections. I often think that just being together working in the lab and experience together research progress is underestimated, when building meaningful relations. I find that visiting each other's labs at all levels and encourage more young scientists to carry out research across different labs with different background expertise based on mutual research interests (just like the hDMT Junior Challenge Grant) is a really powerful means to produce successful research outcomes and creating impact for society, now and in the future."
What else do you need from hDMT?
"I would like to see hDMT setting up a researcher's capital mobility program with funds that will be invested to explore novel technical ideas rather than keeping tight focus on application showcases. So therefore I would like to encourage hDMT to attract more funds for carrying out pilot research studies as a basis for new grant applications."
More about Regina Luttge
- TU/e leads project for developing nervous system-on-a-chip (2019)
- Factsheet H2020-EU FET Proactive project CONNECT (2018)
- News story: A miniature brain (2016)
- Subsidy for vaccine patches (2015)


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See also: Abiogenesis and abiogénesis
From Ancient Greek ἀ- (a-, "not-", the alpha privative) + βῐ́ος (bíos, "life") (ultimately from Proto-Indo-European *gʷeyh₃- ("to live")) + γένεσις (génesis, "origin, source; manner of birth; creation") (ultimately from Proto-Indo-European *ǵénh₁tis ("birth; production")); equivalent to a- + biogenesis. The words biogenesis and abiogenesis were both coined by English biologist Thomas Henry Huxley (1825–1895) in 1870 (see the quotation).[1]
- (Received Pronunciation) IPA(key): /ˌeɪbaɪəʊˈdʒɛnəsɪs/, /-ˌbaɪə-/, /-ˌbiːə-/, /-ˌbiːoʊ-/, /-nɪ-/
- (General American) IPA(key): /ˌeɪˌbaioʊˈd͡ʒɛnəsɪs/
Audio (US) (file) - Hyphenation: abi‧o‧ge‧ne‧sis
Audio | (file) |
abiogenesis (countable and uncountable, plural abiogeneses)
- (evolutionary theory) The origination of living organisms from lifeless matter; such genesis as does not involve the action of living parents. [from 1870]
- 1870 September 17, [Thomas Henry Huxley], "The President's Address", in The Athenæum: Journal of English and Foreign Literature, Science, the Fine Arts, Music and the Drama, number 2238, London: Printed by Edward J. Francis, Took's Court, Chancery Lane, published at the office, 20, Wellington Street, Strand, W.C., by John Francis. [...], →OCLC, page 374, columns 2–3:
- And thus the hypothesis that living matter always arises by the agency of pre-existing living matter, took definite shape; […] It will be necessary for me to refer to this hypothesis so frequently, that, to save circumlocution, I shall call it the hypothesis of Biogenesis; and I shall term the contrary doctrine—that living matter may be produced by not living matter—the hypothesis of Abiogenesis.
- 1872 October 3, "Societies and Academies: Philadelphia", in Nature: A Weekly Illustrated Journal of Science, volume VI, London, New York, N.Y.: Macmillan and Co., →OCLC, page 472, column 2:
- The assertion of [Louis] Pasteur is justified, that the onus probandi [burden of proof] lies with abiogenesists, since there is no experience of any living form more than 1⁄1000 of an inch in diameter springing to life out of inorganic matter; it is therefore vastly improbable (needing most cogent evidence to prove), that any form less than 1⁄1000 of an inch in size can be made to spring into life from inorganic matter. While abiogenesis is unproved, we hold to the conclusion that vital force is not the mere outcome or resultant of any or all of the other cosmic forces.
- 1971, Cyril C. Means, Jr., Congressional Record: Proceedings and Debates [...], volume 117, part 23, Washington, D.C.: U.S. Government Printing Office, →OCLC, page 30820, column 3:
- Life began. There was one abiogenesis when something happened to turn inanimate matter into animate cells. And it happened only once. There are no abiogeneses today. Human life is continuous. Human persons are discontinuous and individual.
- 1997, Eric Voegelin, "Race as Biological Unit", in Ruth Hein, transl., edited by Klaus Vondung, Race and State: Translated from the German (The Collected Works of Eric Voegelin; 2), Baton Rouge, La., London: Louisiana State University Press, →ISBN, part I (The Systematic Content of Race Theory), page 45:
- According to [Carl] Nägeli, the highest forms have evolved from the oldest cells produced through abiogenesis, and the lower forms are, depending on their position in the hierarchy, the descendants of respectively more recent abiogenesis.
- 2014, G. Bradley Schaefer, James N. Thompson, Jr., "Genetics: Unity and Diversity", in Medical Genetics: An Integrated Approach, New York, N.Y.: McGraw-Hill Education, →ISBN, page 3:
- Although abiogenesis, the spontaneous creation of a living system under appropriate conditions, must have occurred at the end of the prebiotic world, spontaneous generation of life no longer occurs.
Derived terms[edit]
origination of living organisms from lifeless matter
See also[edit]
- ^ Compare Douglas Harper (2001–2024), "abiogenesis", in Online Etymology Dictionary.
- Lesley Brown, editor-in-chief; William R. Trumble and Angus Stevenson, editors (2002), "abiogenesis", in The Shorter Oxford English Dictionary on Historical Principles, 5th edition, Oxford; New York, N.Y.: Oxford University Press, →ISBN, page 4.
Further reading[edit]
- abiogenesis on Wikipedia.Wikipedia
- English terms derived from Ancient Greek
- English terms derived from Proto-Indo-European
- English terms prefixed with a-
- English 6-syllable words
- English terms with IPA pronunciation
- English terms with audio links
- English lemmas
- English nouns
- English uncountable nouns
- English countable nouns
- English nouns with irregular plurals
- en:Evolutionary theory
- English terms with quotations
- en:Obsolete scientific theories


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John Calvin's Legacy
Wondrous Awe for God
John Calvin was a Gulliver in the land of Lilliputians, a titan in the midst of dwarfs. He stands head and shoulders above the rank and file of theologians, scholars, and biblical experts down through the ages. He abides in the elite company of men like Saint Augustine, Thomas Aquinas, Martin Luther, and Jonathan Edwards. As Aristotle received the epithet "the philosopher," so Calvin received a similar sobriquet from Philipp Melanchthon, who referred to Calvin simply as "the theologian."
When we examine the lives and work of the great theologians of Christian history, we notice a certain sameness in the emphasis they bring in their teaching. They were all driven to their knees with a sense of wondrous awe for the majesty of God. Yet they expressed themselves in different ways with different styles and aptitudes. Augustine was a genius with respect to a philosophical understanding of theology, and he probed the depths of the metaphysical basis for the Christian faith. Thomas Aquinas shared that philosophical bent but was more concerned with bringing to pass a systematic summary of the whole scope of Christian doctrine. Luther was a man of profound insight; he was neither a philosopher nor a systematician but rather one who seized on world-changing vignettes of insight. But John Calvin stands alone in church history as the master of systematizing biblical truth with doctrine. He was driven by a desire to interpret all the details of biblical revelation. Rarely, if ever, have we found a systematic theologian so well versed in the data of Sacred Scripture as we find in Calvin. Able to quote lengthy passages of the Bible with one breath, followed by a considerable recitation by memory from the writings of Saint Augustine, Calvin mixed his mastery of linguistics with his heart set on fire by the word of God.
John Calvin
Derek W. H. Thomas, John W. Tweeddale
Leading Reformed pastors and scholars reflect on the importance of John Calvin's life and teaching for the church today.
An Ironic Place in History
Calvin's place in history is not without irony. It is interesting that as he completed his theological studies at the University of Paris, Ignatius of Loyola began his education at the university. Who would imagine that these two individuals would become representatives for two traditions engaged in one of the most important theological clashes to mark all church history—the clash of Reformation thought with that of Roman Catholic thought as developed by Loyola in his formation of the Society of Jesus, known for producing the most prodigious scholars of the Roman Catholic Church. Whereas most theologians have the initials PhD or ThD after their name, those who were schooled in the society founded by Loyola have the letters SJ appended to their names, indicating their membership in the Jesuit order.
In the Reformation itself, it was Luther who was the pioneer in the efforts to recover the doctrine of justification by faith alone. That doctrine was obscured in medieval theology, and the gospel itself was plunged into darkness. Calvin shared the zeal of Luther for that central doctrine of the faith, calling it the "hinge on which religion turns." Calvin's grand passion, however, went beyond his commitment to the doctrine of justification by faith alone to a captivating zeal to guard the church against the encroachment of idolatry in manifold forms. It was Calvin who said that by nature, we as fallen human beings are fabricum idolarum, or "idol factories." Our propensity to exchange the truth of God for a lie and serve the creature rather than the Creator has turned us into veritable idol factories, in which we mass-produce these hellish substitutes for the glory of God. Calvin desired to remove all vestiges of idolatry from the practice of the church. By his own admission, he called for a strict limitation of certain elements of worship that in and of themselves weren't necessarily idolatrous. But because they had been so often associated with practices that did degenerate into idolatry, Calvin thought it necessary to make worship simple and free from any hint of liturgy that might bring in its wake a renewed commitment to idolatrous practices and set misguiding examples for future generations.
John Calvin stands alone in church history as the master of systematizing biblical truth with doctrine.
His own passion for preaching and teaching saw him in indefatigable energy mounting the platform to preach and to teach a multitude of times each week in Geneva. The academy he founded there was an institution that would enrich the life of the church for generations to come, as such successors to Calvin as Theodore Beza and Francis Turretin further refined the specifics of Calvin's teaching. Geneva became a refuge for those who were persecuted throughout Europe. Those fleeing from Queen Mary Tudor's persecution in England came to Geneva, where they, under Calvin's tutelage, accomplished the translation of the Bible into English with study notes. This was the Geneva Bible, which was the dominant English Bible for a hundred years. It was the Bible of Shakespeare and the Bible the Pilgrims brought to the shores of America. Among those refugees studying at the feet of Calvin was an ex–galley slave by the name of John Knox, who took the teaching he learned there back to his native Scotland, where he was used of God to pioneer the Scottish Reformation.
His Role in the Church
Looking at Calvin's role in church history, we notice that no theologian seems to be so vilified, so hated, so caricatured as John Calvin. Because of people's basic indisposition to the doctrines of grace in general and the doctrine of predestination in particular, Calvin is regarded as the dour, mean-spirited creator of the concept of the horrible decrees of election and reprobation. The irony is that there's nothing in Calvin on these doctrines that was not first in Luther, nothing in Luther's doctrine of election that was not first in Augustine, nothing in Augustine's teaching on the matter that was not first in Paul, and, of course, nothing in Paul's teaching on the doctrines of grace that was not first expounded by the Lord Jesus himself. Lutherans modified the doctrines of Luther after his death, but these modifications did not affect the Swiss arm of the Reformation, and Calvin's teaching became seen as the only branch of Christendom that taught these great doctrines.
The general ignorance that the church suffers from in church history has cost the church an accurate appreciation for how God used this man of Geneva. Would that the preachers of our day might learn from Calvin in his biblical exposition and in his passion for biblical truth, that the church could once again experience the breakthrough of a modern Reformation. In our day, as it did in antiquity, and again in the sixteenth century, the church stands between Migdol and the sea. Behind us, pursuing us to the death, are the chariots of Pharaoh, hostile to the things of God, motivated to destroy them from the earth. In front of us stands the impassable sea. We need a Moses. We need a Calvin, who in this generation will raise his arms to the heavens, so that the Lord God Almighty will open the seas afresh that the people of God may pass through on dry ground into safety. Our debt to John Calvin is considerable. We must be mindful of his work, as God continues to use Calvin's teaching to lead the church to truth and out of the abyss of error.
This article is written by R. C. Sproul and is adapted from the afterword to John Calvin: For a New Reformation edited by Derek W. H. Thomas and John W. Tweeddale.
Related Articles
In all the areas of theology where Calvin made his most distinguishing contributions, we see the exaltation of the work of the Spirit driving his analysis.
This Day in History: The Death of John Calvin
The struggles of his Calvin's life tested his faith. At the heart of his faith was the confidence that for the sake of Jesus, God was his loving heavenly Father.
Podcast: Calvinism 101 (Kevin DeYoung)
What are the five points of Calvinism really about and how can we believe them, while maintaining gracious humility towards others who don't?


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Take It Easy!
Shprintzi from Geulah asks:
I only buy from Eda Charedis fruit stores. I never use Otzar Beis
Din produce and we keep Minhag Yerushalayim. Do I have to do bi'ur
on any fruits and vegetables?
The Eda Charedis do not allow any produce which (according to
their opinion) has kedushas shvi'is into their fruit stores. All produce
is either from the sixth year, from outside the halachic borders of Eretz
Yisroel (according to their opinion) or grown by non-Jews on their own land.
Accordingly, none of this produce would be subject to bi'ur. Minhag
Yerushalayim treats produce grown by non-Jews on their own land within Eretz
Yisroel as not having kedushas shvi'is. If you keep strictly to the
principles set out in your question, you will not come into contact with shvi'is
laws regarding your fruit and vegetables. (I am not stating an opinion as to
whether this is advisable.) Please note that you must take similar care when
shopping in the supermarket or grocery.


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text: Diana is a photographer and writer based in Margate, Kent. She has shot ten guidebooks for Rough Guides and undertaken numerous commissions for Visit England, National Geographic Traveller (UK), GreenTraveller and Cool Camping, among others. She is currently the editor of Eye for the Light a subscription-only, digital publication in association with Travel Photographer of the Year and is also the Publishing and Photography Director at the British Guild of Travel Writers. Follow her on Instagram and Twitter.


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Abraham Cruz-Cruz, age 80 of Guayama, Puerto Rico, went to be with his heavenly father at 12:30 am, December 19, 2011. Abraham was born March 16, 1931 to Victor and Alejandrina Cruz.
Abraham served his country for 20 years and is a veteran of the Korean War.
He is survived by wife of 56 years, Esther Cruz, daughter Luci Cruz-Laporte and son, Abraham Cruz, Jr.; grandchildren Grace Rollins, Alejandro Sanchez and Katherine Cruz; and great grandchildren Isaac and Mikayla Rollins.
Memorial Service will be held at 2:00 pm on Thursday, December 22 at the Shrine of Remembrance, Colorado Springs, Colorado. Reception for family and friends will follow. Internment will be at Ft. Logan Cemetery on Friday, December 23 at 11:00 am (Staging Area A).


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Okay, silly headline. I am writing about a pretty unsophisticated topic here, but wanted to pass along some tips and a little bit of information on how we get signatures from owners who we can't meet face to face. In fact, because so much of our communication is electronic, even owners we could meet seem to prefer other options.
We have an owner who lives overseas. In the old, old days we would have used snail mail to get a contract or lease executed. We would have worked on a telephone authorization (risky and not going to hold up in court!) and wait 2-3 weeks to receive a signed document.
Then, in the 1980's we had this amazing device that cost $1000 called a fax machine. (Am I dating myself?) We had documents that were printed on this thermal paper that curled and faded! Powerful stuff when a year later you could not read a document! So, we still needed snail mail to get a original copy.
Faxes improved and in the 1990's you could get a plain paper fax. No more fading, but often very poor resolution. So, we still used mail to have an original copy, but by then we had options that sped up the delivery of documents such as FedEx and UPS.
Then email became popular and all we had to do was figure out a way to make it easy for clients to return a nice looking document from their email, with their signature. There are two options, printing and scanning, or faxing the returned document. Faxing works pretty good unless their fax machine is dated or the telephone connection is bad (overseas connections). We still like to have the documents in case the resolution is poor. There is often enough savings that visiting an office store is cheaper than using a delivery service. Printing, scanning, and emailing the documents back to us is the preferred method.
Our clients and Associates are recommended to install a free program on their computer for creating pdf documents. There are a number of ways to send back an executed copy to us via email. After printing and executing the document, our client can scan or fax to make an electronic version. We really prefer not to receive the fax because the phone line issues can often cause resolution problems. Most of the simplest printers today also offer scanners and copiers for pennies additional. A document can be scanned with the signature and saved to a computer. If the scanner does not offer a pdf converter, and makes photograph type faxes, these need to be converted to a pdf. In fact, a free pdf converter program is a wonderful addition for many different uses. Check out pdffactory or cutepdf.
Today we actually have electronic signatures making their way into the popular mainstream. We have not gone this far but I suspect it won't be long until we offer this service. Of all the improvements over the last 30 years, this one may take the most getting use to. An electronic signature does not actually provide a signature in the traditional sense. It provides a verification that the person who executed the document on a computer, can be traced to a computer. In some cases there are verification processes associated with a person but most I have seen go back to an IP address and involve a check box or initials typed. The most popular service in real estate for this is called Docusign.
Be warned though, the future is in electronic documents. The improvements in speed, resolution, and legal enforceability have been made. We are really just trying to decide which vendors and how to implement. For now though, the suggestions above should cut your delivery costs substantially and provide all parties a faster turnaround on document execution.


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Brand New from Autoworld 1/64th scale.
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All orders are professionally packaged. Please note that on all orders shipping outside the U.S. we only ship with the U.S. Postal Service.
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text: Notification for Labour Holiday Working Adjustment Dear Customer, Regarding to Labour Holiday on MAY 1ST , our company has 1 day off in shenzhen Office on May 1st for celebration . We are deeply sorry for any delay about you and your parcels . we will return to work in May 2nd ,if you need any help ,plz contact us . Thanks for you always great supports to PFCexpress! PFCexpress Ltd. 28th April.2013


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Hinduism is brimming with rituals. There is the Vedic yagna, where formless divinities are summoned. There is Agamic puja, where heavenly nature is found in a symbol that is treated as a guest - welcomed, washed, dressed, taken care of, and loved. There is the samskara - the soul-changing experiences like marriage, birthday celebrations, and demise. There is the utsava - the celebrations celebrated yearly. There is vrata or disciplines observed on specific days. Some are mandatory, some intentional. A few customs are fixed by the movements of the sun and the moon, and others are impromptu. Rituals are loaded with variety and scent, motions and melodies, stories and exhibitions, and food, music, and clothes. They make Hinduism noticeable.
The Hindu pantheon has its base in numerous and varied ceremonies and rituals, which differ among people, organizations, towns, and areas. What makes Hindu rituals so extraordinary is that the religion offers numerous comparable features as well, which tie Hindus spread across the globe, incredibly connecting them into a solitary unit, in any event, even impacting other significant religions of the world. Hindus visit temples to offer pujas. But they also consider home the best spot to perform pujas following strict rituals. The religion specifies different sorts of customs one can perform at different times, particularly during first light and sunset. Certain things are used during puja or to successfully perform a ritual-
It is alluded to as an "overflowing full vase" (purno-asya Kalasha) in the Vedas. The Kalasha is believed to contain amrita, the solution of life, and subsequently is seen as an image of abundance, intelligence, and eternality.
Shri Yantra
The Shri Yantra addresses the advancement of the multiverse because of the normal Divine Will of the Godhead Aadi Paraa Shakti. The four upward-pointing isosceles triangles address the Goddess' manly avatar, Brahman, while the five downward-pointing triangles represent the female epitome Jagat Janani.
Cymbals are a fundamental part of Bhajans - delivering melodies in Hindu pujas and ritual worships. They are a couple of round bronze plates. Cymbal is known as Polidar in Tripura, talalu in Andhra Pradesh and Telangana, kinnaram in Kerala, and Talam in Tamil Nadu.
In Dharmic religions, the copper lota has a sacred utilization, for example, in a yagna custom during puja worships, weddings, and other consecrated services. As indicated by the old Indian/Hindu traditions medication arrangement of Ayurveda, drinking water put away in the copper lota has health and dietary advantages.
Shri Chakra
The Sri Chakra is a notable portrayal of the most profound intuitions of the Vedas. It addresses both the recursive design of the real world and communicates the way that Nature and Consciousness are interpenetrating.
Q1. How many rituals do Hindus have?
A significant arrangement of rituals in Hinduism is the 16 samskaras (loosely converted into "holy observances" or "customs of planning"). These are a bunch of rituals at significant periods in an individual's life- encompassing every important moment of their life.
Q2. Why do Hindus perform Pujas?
The arrangement of pujas/ worship of Gods and Goddesses were intended to satisfy/ appease a specific god for acquiring a few favors and blessings. Puja is for the satisfaction of human cravings, needs, and independence from suffering, childbirth, marriage, rise in social status, etc. Pujas offered a way for Hindus to meet, socially arrange and request their basic liberties. Over the long haul, pujas became as much a social and local area event as a religious event.
Q3. How should pooja items be stored?
Storage should always point towards the southeast and one should avoid storing anything above the idol to comply with the pooja room Vastu to ensure nothing is obstructing the sunlight that enters the pooja room.
Get some large air-tight boxes to store pooja sets. If these are being stored in a wardrobe or a cupboard, make sure to choose one that is not being opened frequently. Also, wrap all the silver pooja samagri in tissue paper or other moisture-wicking wrappers before storage. Charcoal or silica gel could be used for well maintenance of the silver items. One can keep the holy books on the walls of the west and south.
Q4. What is a pooja set?
A pooja set mainly consists of a thali or large tray on which puja materials are gathered and decorated. For all the puja ceremonies, certain Puja items including a bell, a pot of water, incense sticks, kum kum powder, a spoon, Flowers, unbroken rice grains, camphor, coconut, betel leaves, Haldi, Sandalwood paste, fragrant oils, saffron threads, symbols of Om, Swastika, and Shree symbols, some fruits/food prasad, etc. Diyas or oil lamps with wicks and ghee/ oil are used as the source of light and decoration for Puja. It is believed that the arrangement of all the components in a puja thali has spiritual significance. All are placed in a manner that balances the universal cosmic elements.
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The Kaiju Preservation Society
John Scalzi
Shortlisted for the 2023 Hugo Award for Best Novel
The Kaiju Preservation Society by John Scalzi is a thrilling, fast-paced adventure set on an alternate Earth – perfect for fans of Adrian Tchaikovsky and Michel Crichton's Jurassic Park.
'John Scalzi is the most entertaining, accessible writer working in SF today' – Joe Hill, author of The Fireman
They're big, they're bad and they're about to become extinct . . .
Jamie's dream was to hit the big time at a New York tech start-up. Jamie's reality was a humiliating lay-off, then a lowwage job as a takeaway delivery driver. During a pandemic too. Things look beyond grim, until a chance delivery to an old acquaintance. Tom has an urgent vacancy on his team: the pay is great and Jamie has debts – it's a no-brainer choice. Yet, once again, reality fails to match expectations. Only this time it could be fatal.
It seems Tom's 'animal rights organization' is way more than it appears. The animals aren't even on Earth – or not our Earth, anyway. In an alternate dimension, massive dinosaur-like creatures roam a tropical, human-free world. And although Kaiju are their universe's largest and most dangerous animal, they need support to survive.
Tom's 'Kaiju Preservation Society' wants to help. However, others want to profit. Unless they're stopped, the walls between our worlds could fall – and the consequences would be devastating.
A more ethical Jurassic Park meets the camaraderie of Parks and Recreation in this wonderfully witty and refreshingly earnest adventure yarn . . . Sure to delightPublishers Weekly
Bubbles with . . . banter and snarky humourKirkus Reviews
An escapist delightThe Times


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Stability data on natto NKCP
1. Storage Stability
The dried filtrate of B. subtilis natto culture (NKCP Nattokinase) was examined for changes in the content of natto bacillus-produced proteins and peptidase activity during storage. No changes in the content and activity were observed after 6 months of storage at 37ºC or 24 months of storage at room temperature.
Changes in peptidase activity of NKCP powder were ±5% or less when stored at 25ºC or 37ºC for 6 months.
2. Heat Stability
A solution of 1g of NKCP powder in 10ml of 50mM tris–hydrochloric acid buffer (containing 100mM of NaCl, pH 9.0) was used in a heat-stability test for peptidase activity. The NKCP solution, treated under different temperatures and times, was examined for the residual rate of peptidase activity of B. subtilis natto produced protein using a synthetic chromatogenic substrate, S-2251. As shown in the figure below, the peptidase in NKCP was stable when heated up to 60ºC.


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This weekend's slate of fights gave us good insight as to the current standing of a whole lot of name fighters. I think there are a lot of things worth discussing, so let's get on it.
Amir Khan's Speed
Khan's dominant win over Paulie Malignaggi wasn't a shock, but it was a treat to watch. In the past, I'd said that Khan had top five handspeed in the sport, and believed it, but it was more feeling than fact. The guys Khan had been fighting in the UK were largely quite slow, even Andriy Kotelnik, who is a solid and technically sound fighter, but no speedster and not a tricky guy at all.
I figured Paul Malignaggi would give us a real barometer. Malignaggi isn't incredibly fast, but he's got B+ speed on his best nights and is far more awkward and tough to get a handle on than Kotelnik, who is more fundamentally strong than Malignaggi.
The difference in speed was astounding. This was more eye-opening for me than Floyd Mayweather's speed advantage over Shane Mosley on May 1, in part because I truly believed the speed in that one wouldn't even be close. The speed here wasn't particularly close either, but unlike Mosley, Malignaggi still looked like he had above-average quickness. Khan, meanwhile, looked frighteningly fast of hand in there, to the point that I think you could read on Malignaggi's face early that the speed was surprising for him. I'm sure Paulie knew Khan was fast, but figured he'd be closer to equal than he was. Malignaggi wasn't bad last night, but could do nothing with Khan, who had an advantage everywhere but chin, and Paulie never even really touched Khan.
This was an indication, again, that Khan made a brilliant move going to Freddie Roach. A lot of trainers may have asked Khan to sacrifice some of what he was good at it in order to protect his one glaring weakness. Manny Steward has done a great job protecting Wladimir Klitschko's chin and turning him into a near-untouchable force at heavyweight, and the Roach/Khan teaming is doing something similar. But Freddie knows that speed kills, and when you have as much of it as Khan does, you don't want to give away that advantage. So Roach has Khan using his blinding speed to full effect, and just being smarter. Kotelnik and Malignaggi both gave it a good effort, and weren't even close. They couldn't deal with the speed. Dmitriy Salita, the fighter Khan faced between those two, would have been demoralized if he hadn't gone down on the first punch landed. Can you imagine how that would've looked if Salita had lasted six or seven rounds?
As far as pure speed of hand goes across the sport, I think I'd go like this for a top five. This is kind of off the cuff and certainly open for debate, and I'd love to hear your top guys, too:
- Floyd Mayweather Jr.
- Amir Khan
- Manny Pacquiao
- Yuriorkis Gamboa
- Zab Judah
I think 1-2 is close, too. Mayweather, as incredible as he is, doesn't have quite the speed he used to. For pure hand speed, I do think Khan is faster than Pacquiao, but Pacquiao is obviously a better overall fighter. Gamboa is a storm unleashed when he gets going, and Judah does still have speed, if nothing else. I don't think there are a lot of exceptionally fast guys out there, and I think the speed of a lot of guys tends to get overrated. There are lot more guys close to Malignaggi speed than Khan speed, I believe.
Michael and Kevin
Kevin Mitchell never had a shot. That's with hindsight, of course, but once Mitchell and Michael Katsidis were moving around next to one another, the difference in them was obvious. Katsidis was relaxed and focused, and seemed to want to do early damage. Mitchell was a little tight, and just looked tiny next to Katsidis. Katsidis has that big, full frame at 135, and Mitchell ... he's one of those guys that isn't soft, really, and I'm not saying you need a six-pack to be a good boxer, because you don't, but he just looked like 135 wasn't a weight where his body is fit to excel yet.
I'm not writing off Mitchell. He's talented and is only 25. But if he can still make 130, he might want to consider going back down there. Guys like Katsidis are going to bust him up, and I don't think Mitchell is someone who will be content to stay on the UK circuit and be a big fish in a small pond. He clearly has world stage aspirations.
Mitchell, at the least, will need to scale it back. Go less than Katsidis, but still more than the Ignacio Mendozas of the world. There are a lot of guys at 135, since that's likely where he'll be staying, who fit that mold. David Diaz might make sense. Diaz is a former titlist, always brings a good fight, and is rugged and sturdy. He's not nearly as strong as Katsidis, but he's more durable than Mendoza, and more well-rounded than Breidis Prescott.
Katsidis blew Mitchell away. Mitchell was just not going to do anything with that guy. He didn't have the power, didn't have the size, didn't have the ability to back Katsidis off of him. When Katsidis wanted to, he bullied Mitchell with ease. Katsidis has his limitations, obviously, but he's among the very best in a frankly shallow 135-pound division. Mitchell just isn't quite there yet.
Victor Ortiz
Yeah, I did an article last night where I was pretty harsh on the Ortiz-Campbell fight, and about the potential of both guys going forward. Campbell's done. I don't want to drive that into the ground, but he's not top 10 or even top 15 at 140 at this point. He's just not a contender at this weight.
But I like to look at two sides of the coin, and I tried to do that a little even when somewhat dismissing Ortiz's performance. If they're working with a new style, which may well be the case, it's smart. You have to accentuate the positives in any fighter. They all have weaknesses. Floyd Mayweather isn't a big puncher, so why would he get into trades with guys who can bang? Why not just embarrass them with speed and smarts? Shane Mosley was never a great boxer, so Mosley rarely tried to straight-up box people. He always had that idea that he wanted to get them exchanging. Bernard Hopkins was never fast, so he didn't try to get into speed showcases with guys, instead he roughed them up and made them play his game. Amir Khan's chin sucks, so he's keeping it out of the game as much as he can.
Ortiz maybe doesn't respond to being hit cleanly so well. Look, Maidana can rip with his punches, so that's nothing to be truly ashamed of. But if Ortiz doesn't deal well with being hit, then try to keep guys from hitting him. I still think guys that get to him will crack him, and that'll always be a problem for Victor. He's not going to be a superstar.
But he can have a really good career. Being imperfect, whatever your imperfection is, doesn't mean you should turn tail and get out of boxing. It just means hide your weaknesses and accentuate your strengths. Ortiz does punch in combination very well. He does hit pretty hard, even as it looks like they're sacrificing blunt power to do other things. And against Campbell, though I think Ortiz should have tried to finish the old man given that the old man wasn't going to do anything with the fight, he showed discipline and you can say he didn't try to do more than he had to. It's a good habit to learn for the tougher fights, admittedly.
When I said in the comments thread of that article last night that Ortiz has more talent than he realizes, what I meant was that Ortiz is a guy who can be a different fighter than he is, and maybe he's getting there. Maybe they're convincing him he's not "Vicious" Victor, that he's a boxer-puncher and should use his head in there. If so, he'll be in for a strong career. He'll never be a top of the food chain guy, but he'll always be around. And if they build his confidence up again to a point where he just forgets about the Maidana loss, he's got game-changing power in the reserves, and can turn a fight he's losing on a dime.
I am not a big Ortiz fan, and I'm not in love with his talent. But he is a very interesting fighter to me. If he wasn't, I'd never say anything about him. His career could go in a lot of different directions.
Thanks for the Memories, Danny
Danny Williams' career came to an end on Saturday when he was stopped in two by Derek Chisora. Williams was out of shape, had "trained himself" for the fight, and had no interest in being in the ring. Chisora does have some world potential. There are a lot of things to work on for him, and he hasn't gotten the fights yet to really improve in the ring. I don't think he's much different than he was when he fought Sam Sexton in 2008, while Sexton has dramatically improved. That could be a good big boy throwdown in the UK later this year.
The Sky team said it was sad that Danny went out the way he did. I disagree, and respectfully so. I think he went out perfectly. When Danny Williams was on his game, he could really do some special things. But he was about the most frustratingly inconsistent guy in boxing during his known years. One fight he'd look great, or reborn, and the next one he'd lose to Albert Sosnowski. The beating he took from Vitali Klitschko was ugly, and no matter how shot Tyson was, he'll always have a win over Mike Tyson. He was fascinating, in many ways. He had some huge highs and some amazing lows. And he left a lot of memories. Good luck, Danny, and enjoy your retirement.
Speaking of Retirement...
Giacobbe Fragomeni's one-sided loss to Krzysztof Wlodarczyk should probably be it for the battling Italian. Fragomeni was a class act in the post-fight, and would go out with losses to Wlodarczyk and Erdei, both entertaining fights. As Brick said, Fragomeni has gotten a lot out of a little. He's not a big puncher, he's short and stocky, doesn't have great speed. He's tough and he's always game, and he had a title run. At 40, he's not the aggressive guy he used to be, and he's just past it.


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Prime Minister Narendra Modi launched a new housing scheme in 2015 under Prime Minister's Awas Yojana with the aim of providing housing for all by 2022. Under Pradhan Mantri Awas Yojana- Housing for All (Urban) scheme alone keeping in mind the slum decadal growth rate of 34%, the slum households were projected to go upto 18 million. Two million non-slum urban poor households are proposed to be covered under the mission. Hence, total housing shortage envisaged to be addressed through the new mission is 20 million (2 Crore). The re-structured rural housing scheme Pradhan Mantri Awas Yojana – Gramin (PMAY-G) which has the objective of "Housing for All by 2022" was launched by PM on November 20, 2016 from Agra. 2.95 crore houses are set to be constructed by 2022 to achieve the set objective of PMAY-G which has been decided to achieve in phases. Thus a total of 4.95 crore houses are to be constructed by 2022.
In a tweet on PMO India (@PMOIndia) on Nov 21, 2015 , Prime Minister Narendra Modi (PM @narendramodi) tweeted, "We have launched a 'Housing for All' program. It involves building 20 million urban houses and 29.5 million rural houses."
Who will get benefit of PMAY?
The beneficiary family should not own a pucca house (an all weather dwelling unit) either in his/her name or in the name of any member of his/her family in any part of India. A beneficiary family will comprise husband, wife and unmarried children.
Under the new Housing Scheme – Prime Minister's Awas Yojana launched with an aim of providing housing for all by 2022, EWS households are defined as households having an annual income of up to Rs.3,00,000.
LIG households are defined as households having an annual income between Rs.3,00,001 up to Rs.6,00,000. States/UTs have the flexibility to redefine the annual income criteria as per local conditions in consultation with the Centre.
To check the demand of houses, the Chandigarh Housing board (CHB) conducted a demand survey for allotment of 492 flats in sector 53 of Chandigarh against which only 129 applications were received. Out of which 71 applications were received for 3-BHK,23 for 2-BHK, 8 for one-BHK and 27 for EWS flats. The CHB has proposed to construct these 492 flats for allotment under self-financing scheme where the allottee will have to pay 100 % payment before possession. Even after a decrease , the price of 3BHK (HIG) kept at Rs.1.63 crore, 2BHK(MIG) Rs. 1.36crore, 1BHK (LIG) Rs. 90 lakh and a two-room flat for EWS Rs. 50 lakh.
The Economic Survey-2020 states that the decline in household investment in dwellings, other buildings and structures, since a six year span over 2011-12 to 2017-18 is a reflection of slower growth in purchase of houses by households.
A leading newspaper highlights the survey's suggestions that real estate developers take a haircut to bring down housing prices, which it points out have remained high despite a huge inventory of 9.43 lakh units worth a whopping Rs 7.77 lakh crore stuck at various stages across the top 8 cities in the country.
But, would a slight hair cut in housing prices be sufficient to attract buyers? No, if we see the prices fixed ( 1BHK for LIG Rs. 90 lakh and a Two- Room flat for EWS Rs. 50 lakh) by the central government ruled Union Territory, Chandigarh for its Housing Board projects floated , can anyone belonging to LIG and EWS category purchase these houses? In Haryana also the prices of HUDA floated plots in Panchkula, Gurugram, Faridabad etc. for EWS and LIG categories have gone beyond the reach of these category buyers.
Shouldn't the Finance Minister of India direct the government housing projects to lower down the prices of their projects, so that other private players may also follow them ?
With the passage of five years out of seven years, a major span has become the past and only two years are there in hand to fulfill the promise under Prime Minister's Awas Yojana with the aim of providing housing for all by 2022.
Monthly summary on the principal activities of Ministry of Housing and Urban Affairs for the month of October, 2019 (No. A-42011/1/2019-Coord- Dated the 2 December, 2019 ) reveals that under Pradhan Mantri Awas Yojana (PMAY)/ Housing for All (HFA), more than 93 lakh dwelling units in 19,471 projects with an investment of Rs. 5,55,754 crore involving Central assistance of Rs. 1,45,949 crore have been approved. So far, 55 lakh houses have been grounded for construction, 28.02 lakh houses have already been constructed and 25.55 lakh houses have been occupied.
FactChecker.in, an India's dedicated Fact Check initiative, writes, "About 1.44 million houses had been constructed under PMAY-Urban upto January 31, 2019, and 1.39 million had been occupied, according to the latest available ministry of housing and urban affairs (MoHUA) data presented in the Lok Sabha in February, 2019. This is 20% of the 7.6 million houses that have so far been sanctioned.
In rural India, the government had completed construction on 7.7 million houses, or 77% of the target of 10 million by the deadline of March 31, 2019 for the first phase of PMAY-Rural. It has yet to construct 2.3 million houses, even as the next phase of PMAY-Rural begins, according to the PMAY dashboard on April 15, 2019. However, only 34% of beneficiaries have so far received full payment, data show."
But a leading newspaper in its report dated Aug 26, 2019, claims a very serious and dark side of PMAY, "The ambitious target of Prime Minister Narendra Modi to provide 'housing for all' by 2022 under Pradhan Mantri Awas Yojana-Gramin (PMAY-G) seems to be in serious jeopardy, since as many as 14 states, where the BJP is directly in power or is in alliance with a regional party, have not sanctioned a single unit for construction in 2018-19, which was the last year of the first phase of the scheme.
These 14 laggard states are Gujarat, Haryana, Himachal Pradesh, Uttarakhand, Assam, Tripura, Arunachal Pradesh, Goa, Karnataka, Bihar, Manipur, Meghalaya, Mizoram and Nagaland. Other than these 14 states, there are six more states, which have failed to open their account in terms of sanctioning housing units for construction under PMAY-G during 2018-19.".
What a melancholic situation it is!
Showing the decreasing figures of loan disbursal to EWS and LIG categories for financing for affordable housing, RICS (Royal Institution of Chartered Surveyors) in association with international property consultant Knight Frank in its report dated 30 July 2019 mentions, "From fresh disbursals of HFCs and Scheduled Commercial Banks (SCBs), it is evident that the share of EWS sector in new disbursals has come down each financial year from 21% in FY 2013 to just 10% in FY 2018. Moreover, even the share of LIG sector in fresh disbursals has also declined from 39% in FY 2013 to 33% in FY 2018."
Why the banks are not disbursing the housing loans to the EWS and LIG categories as per their requirement to boost the housing sector? A retired banker says, "The prices of the houses are unchecked high ups and beyond the purchasing power of EWS and LIG sections. Banks finance the borrowers as per their repayment capacity. These categories neither have sufficient savings for their margin money share nor have the surplus funds to repay the loans out of their limited income. The only solution is either the government should halve the housing prices or to double up the income of these categories."
-Jag Mohan Thaken
Disclaimer: The opinions expressed within this article are the personal opinions of the author. The facts and opinions appearing in the article do not reflect the views of AFTERNOON VOICE and AFTERNOON VOICE does not assume any responsibility or liability for the same.