text:
Pelvic organ prolapse is the dropping or bulging of one or more of the pelvic organs into the vagina or rectum. These organs are the uterus, bowel and bladder.
Symptoms may include a sensation of a bulge or something coming down or out of the vagina, discomfort during sex or inserting a tampon, problems passing urine ?such as slow stream, a feeling of not emptying the bladder fully, needing to urinate more often and leaking a small amount of urine when you cough, sneeze or exercise (stress incontinence).
You may experience some of these symptoms for other reasons than a prolapse ?so it would need to firstly be confirmed by a specialist. If it is confirmed, it will usually be staged to indicate how severe it is. Most often, a number system is used, ranging from one to four, with four indicating a severe prolapse.
Different types of prolapse
Pelvic organ prolapse can affect the front, top or back of the vagina. The main types of prolapse are:
- Anterior prolapse? Where the bladder bulges into the front wall of the vagina.
- Prolapse of the uterus and cervix or the top of the vagina itself.
- Posterior wall prolapse ?When the bowel bulges forward into the back wall of the vagina or rectum.
It's possible to have more than one of these types of prolapse at the same time.
Prolapse is primarily caused by weakening of tissues that support the pelvic organs. As well as a weakening of the supportive tissues, increased pressure from above in the tummy or even in the chest can also increase chances of a prolapse. Although there? rarely a single cause, the risk of developing pelvic organ prolapse can be increased by your age, childbirth, menopause, being overweight, previous pelvic surgery, repeated heavy lifting and manual work, long-term coughing or sneezing, or excessive straining when going to the toilet because of long-term constipation.
How to reduce your risk of prolapsing
There are several things you can do to reduce your risk of prolapse, including regular pelvic floor exercises, maintaining a healthy weight, eating a high-fibre diet to avoid constipation and straining when going to the toilet, as well as avoiding heavy lifting if you are not conditioned to it or have a big ?racing? technique.
Many women with prolapse don? need treatment, as the problem doesn't seriously interfere with their normal activities. Pelvic floor exercises are usually recommended in mild cases. In more severe cases, surgery is need to restore the normal position of the pelvic organs, and to help re-support the tissues.
You may also want to change the way you practise your pelvic floor exercises by adjusting your position.
For Anterior prolapse? where the bladder bulges into the front wall of the vagina and for prolapse of the uterus and cervix or top of the vagina, try elevating your legs and placing a pillow underneath your pelvis. This can be more of a comfortable position to use during pelvic floor exercises and can help relieve the feeling of the internal organs bulging into the vagina making it easier to practice your pelvic floor exercises.
For posterior wall prolapse ?When the bowel bulges forward into the back wall of the vagina, try using a Pilates ball to rest on so that you are bottoms up? This can be a far more comfortable position for pelvic floor exercises as it can ease the symptoms of bulging around the anus, making it easier to practice.
Don't have a ball? Try going onto forearms and knees to create a similar position.
If you are concerned that you may have some form of prolapse, it is definitely recommended that you see a specialist for confirmation and diagnosis of the type and the severity of prolapse. This is especially true if you are planning on either getting back to exercise and/or thinking of having more children.


text:
Singapore: a global education at the centre of the world
Singapore is an island blessed with tradition, culture and a firm focus on the future. Its reputation for innovation is attracting global businesses from every sector, making it an exciting place to live, work and learn.
Watch the replay"Singapore is a destination I love very much," says Andre Casson. "There are a million expatriates on the island and a great synergy between locals and us as expats. It truly is an international destination. The other wonderful thing is that it is in the centre of the world. It is well connected to Europe, the US and the rest of Asia. It really is an international destination that encompasses so many cultures."
A child-centred education in SingaporeStudents at the Australian International School, which is located on an impressive 1km-long campus encompassing a nursery that caters for young infants up to pre-school age, elementary and secondary students, as well as green spaces and sports facilities, represent 43 countries.
Experiential and classroom learningThis, along with its location at the heart of one of the most dynamic economies in the world, brings incredible opportunities for learning, both inside and out of school."Here in Singapore where STEAM [science, technology, engineering, the arts and maths] is very much a part of the day-to-day life, you do need to make sure you are presenting opportunities to students to say well ahead," says Andre Casson."It is an exciting time to be here. The island is piloting the introduction of driverless busses. Our students have the opportunity to see these opportunities happening in real time and in front of us, which brings up the concepts we share as part of our curriculum."
Innovation, curiosity and the classroom connectionLinking experiences like these out of school to the classroom is seamless at The Australian International School. iPads and laptops are used throughout the school for everyday learning, while resources like age-appropriate innovation labs allow children to explore their experiences and be curious about what they are seeing and learning."Even though we offer different curricula, all have the common themes of inquiry and collaboration," says Andre Casson. "These are all part of what we can do with an AIS education."
A multi-curricular approachThe school has a flexible curriculum that blends the Australian Early Development milestones into the IB Primary Years Programme (PYP). The IB PYP's international transferable philosophy of education in Years 3-5 (equivalent to Years 4-6 in the English National Curriculum) is delivered based on content from the Australian National Curriculum.In Years 9 and 10 (equivalent to English Years 10-11), students follow IGCSE courses, with Years 11 and 12 (equivalent to English Years 12-13) offered two pathways; the Australian High School Certificate (HSC) and the IB Diploma.
Read more:
- International education with intentionality: The Australian International School, Singapore
- An Australian education in Singapore
- Singapore as an Education Destination
Students at AIS achieve extraordinary results. 2020 was one of the school's most successful years and students head to top universities all over the world, including Stamford and Oxford universities.
Access more of Relocate Global's International Education and Schools Guides, Great International Education & Schools' Fair webinar recordings and articles.
Subscribe to Relocate Extra, our monthly newsletter, to get all the latest international assignments and global mobility news.Relocate's new Global Mobility Toolkit provides free information, practical advice and support for HR, global mobility managers and global teams operating overseas.Access hundreds of global services and suppliers in our Online Directory
©2023 Re:locate magazine, published by Profile Locations, Spray Hill, Hastings Road, Lamberhurst, Kent TN3 8JB. All rights reserved. This publication (or any part thereof) may not be reproduced in any form without the prior written permission of Profile Locations. Profile Locations accepts no liability for the accuracy of the contents or any opinions expressed herein.

subset: commoncrawl


text:
A survey of Apple Watch users, exploring the apps and health features customers actually use, offers a tantalising hint of the features Apple is thinking about adding to the device.
Apple asked, among other things, which third-party apps customers use to keep track of their health, and whether they have any apps installed to keep track of eating habits, medications and blood sugar levels, writes 9to5Mac.
Discussion of blood sugar is particularly interesting, given how long, and how persistently, rumours have suggested that the company will add a glucose meter to a forthcoming version of the Apple Watch. Gossip has particularly ramped up this year, with a report in January and patent activity in February pointing to an imminent announcement. The new model for 2021, expected to be called the Series 7, is heavily tipped to include this feature.
News of the survey, however, must now put a question mark over the chances of a 2021 rollout. If Apple genuinely intends to use the responses to influence its development roadmap, it will be far too late to make significant changes in time for a launch in autumn 2021. Perhaps the Series 8 is now a more realistic timeframe – unless this is one of those surveys that is intended only to back up a decision that's already been made.
To keep up with all the latest rumours, check out our Apple Watch Series 7 news hub. If you don't want to wait until the autumn for the new model, find a low price on the current range with out roundup of the best Apple Watch deals.
This article originally appeared on Macworld Sweden. Translation by David Price.


text:
We distinguish ourselves with good conditions for our employees, but surely also because of the personal attention for our clients. This doesn't make us just a reliable partner but also a gratifying partner. Together with our client companies we asses our employees. In the end, it's the result that matters.
Going the extra mile and following up on agreements. Attention and accompaniment are the distinctiveness we offer! Our employees distinguish themselves as flexible and problem solving team players with a no-nonsense attitude.
Passion for work is the foundation for better results for you as employer. By keeping good interviews with our temps, we find out in what industry they would like to work and what their passions are.
Bellow you can see the industries in which we're active and where we make a difference with our flex workers.
- Engineering
- Logistics & Transport
- Food & Hospitality
- Agriculture


text:
Dark UX: Six shady ecommerce strategies your brand should avoid
Related content
Replies (2)
Please login or register to join the discussion.
Come on, limited stock, closure sales and whatever make the client feel like "being in the right place in the right time" seems to be an everyday tactics of many mid-size and absolute majority of small-sized sellers. Remember the old saying? - What does not kill you makes you stronger. This is not smth to avoid, this is smth to be a bit ashamed about. ;)
Def should look at customer centric B2B ecommence platforms that are built for customers not only for selling. This omni-channel idea will help you avoid these pitfalls. www.ai2.com/b2b-ecommerce


text:
Belgium will issue a formal travel ban to areas in the Schengen zone that have been put back in lockdown and are considered a very high health risk.
On Wednesday, it was decided that Belgium will put into place a formal travel ban to cities, towns, municipalities, districts, regions or countries that have been placed back in lockdown by the authorities, which Belgium considers "red zones."
"Only the principle has been decided, the practical arrangements have not yet been determined," Arnaud Gaspart, spokesperson for Foreign Affairs, told The Brussels Times.
Related News
- Belgium enacts quarantine for returnees from EU's infected zones
- Cheat-Sheet: What the updated travel rules mean
- Travellers cancelling trips to high-risk areas will not be refunded by airlines
Additionally, Belgium introduced a colour-coded system to determine if returning travellers have to be tested and placed in quarantine upon arrival.
However, which areas those will be, or when the rules will go into force, has not been announced yet.
"How this will be communicated is also not sure yet. It could be a list, or a map, or both. We will likely publish it on our website. We are still working out everything," Gaspart said, adding that formal communication will follow "soon."
Maïthé Chini
The Brussels Times


text:
New Delhi: The mercury shattered all records in Delhi on Monday with parts of the national capital registering 48 degrees Celsius, the highest for the month of June.
The all-time record for the city is of 48.4 degrees Celsius, recorded by the Palam Observatory on May 26, 1998, Devendra Pradhan, additional director general of the India Meteorological Department said.
"The Palam Observatory recorded an all-time high for the month of June at 48 degrees Celsius on Monday. The factors that led to this are dry westerly winds, no effect of a western disturbance in the plains and intense heating in the month of June," said IMD's regional weather forecasting chief Kuldeep Srivastava.
"Southwesterly winds on Tuesday may cause the temperature to drop by one or two notches. However, the heat wave will persist," he said.
The temperature in the Palam area is always one or two notches more than that at the rest of the places as emissions due to high aviation activity also adds to the heat, Srivastava said.
The Safdarjung Observatory, which provides official figures for the city, recorded a high of 45.6 and a low of 27.2 degrees Celsius.
The weather stations at the Delhi Ridge, Ayanagar and Lodhi Road recorded the mercury at 47.9, 47 and 46 degrees Celsius.
Private forecaster Skymet Weather said, "This significant rise in the day temperatures is the result of unabated flow of hot and dry winds from northwest direction."
Hot dry winds – loo – swept the city, aggravating the woes of people who had to venture out for work.
There is a rise in the number of patients visiting emergency wards at AIIMS and Safdarjung too, doctors said.
At various Delhi government-run hospitals too, more patients are coming with heat-related complications but nothing worrisome so far, doctors added.
Power discom officials said that due to the oppressive heat, the peak power demand rose to 6,632 MW at 3:42 pm on Monday.
However, the season's highest demand was recorded at 6,658 MW on June 6. This year, the highest peak demand is expected to cross the 7,400-MW mark, they said. Last year, the power demand breached the 7,000-MW mark for the first time in the city – peaking at 7,016 MW, they added.
No immediate relief is expected from the ongoing severe heat wave conditions over Delhi-NCR during the next 24 hours.
However, a deep depression in the Arabian Sea, that is likely to intensify into a severe cyclonic storm, is expected to bring relief thereafter, Skymet said.
"Relief from heatwave in sight for North West India including Delhi and NCR. Pre Monsoon activities, in the form of Dust-storm and rain will commence from June 12th. May occur on and off until 14th (sic)," Mahesh Palawat, vice president meteorology and climate change at Skymet Weather, tweeted.
A "red-colour" warning stands for the national capital for Monday.
The IMD has four colour-coded messages – green, yellow, amber and red. Green indicates normal conditions while red denotes extreme weather situations.
In large areas, a heat wave is declared when the mercury touches the 45-degree mark for two consecutive days and a severe heatwave is when the temperature soars to 47 degrees Celsius for two days on the trot, according to the IMD.
In small areas, like the national capital, a heatwave is declared if the maximum temperature is recorded at 45 degrees Celsius even for a day, it said.


text:
Welcome to Ask Poppy! I'm Poppy, your go-to girl for all of life's woes. And when I say ALL, I MEAN IT. I'm not an expert on anything except maybe for being me, which makes me totally qualified to do this.
Hi, Poppy!
I think my boyfriend is a chubby chaser. When we met and all throughout our dating phase, I was overweight. But he didn't mind that. In fact, in the tearful conversations about my weight insecurities, he always praised me about my hips and he did the whole thing about how there's "more for him to love." He would use other references, often comical, but I really felt he meant that he loved me for who I am.
Due to health reasons, as well as my own personal reasons, I decided to go on a fitness program and even a diet plan. I really need to lose some weight because if I don't, it could really affect my health as I grow older.
Since I have been doing this, my boyfriend and I have fought about it. He says I am just letting my insecurities get the best of me. He doesn't support my need to exercise and he even tries to limit them. He told me I spend so much on gym clothes (but they are so cute!), he told me the diet delivery services are hoaxes, he refuses to choose healthier restaurants to eat out in. We have fought about every single thing and he just keeps insisting that I am healthy and that I am just letting the media distort my self-confidence.
I don't know what to do now. Should I break up with him? How will I make him understand what I am doing and going through?
Thanks, Poppy.
Hey, Mariel!
So glad that you've decided to get healthy, something that I have been wanting to do since the day I was born! Girl, I am totally on board your health buff thing, and now the only problem is that your boyfriend is being a real dick. Tiny problem.
No, it's not really tiny. Maybe average-sized at best, but I find it troubling how he's going all alpha male on you just because you're doing that ONE thing that makes you happy and live long! Picking fights because you're trying to be healthy? That sounds hella dumb, but it's his battles naman. Like, you're just getting the worse end of his manly ka-cheapan.
If he's a chubby chaser then you should hit up Facebook, search for his exes and check out if they're all round and beautiful. That's one clear way to determine if he's really into voluptuous women. Go on, check the receipts. If all signs are pointing no, then he's just probably lording over you.
Don't do that, bro. Don't tell Mariel what to do. She knows her sh*t and she knows she wants to get healthy so BACK. THE F**K. UP.
Mariel, if you have the money to spend on gym clothes, then what's stopping you, right? I shop, therefore I am. If you want to feel better and eat better and get a balanced diet every damn day, and you have the money for it, who is you from stopping her, MARIEL'S BOYFRIEND? Your body is a battleground.
Yo, and what about that bollocks about media distorting your self-confidence? You don't need a man to tell you that. Hey, Mariel's boyfriend, have you ever thought that maybe the reason why thin women are being glorified by the media is because it harkens back to our good old ancestors? The media, Jonathan Safran Foer, and Natalie Portman are all basically telling you to eat healthier just like those days when chemicals weren't invented yet to make our foods fortified; back when the people were too busy hunting their own food and running away from dinosaurs. I mean, goddamn, Poppy, that's it! The media is basically nostalgic for the good old days, like, towards the end of the Pleistocene epoch, when humans were not fat at all. Where's my Nobel Peace Prize?
But then again, your boyfriend's probably right. Gym clothes are so goddamn expensive, I just don't buy them because I don't go to the gym anyway. Diet delivery services are expensive, why don't you just buy sh*t from the grocery and make your own salad, put it in a Kardashian-sized bowl and graze like a sad cow in an open field, somewhere in New Zealand? And the media does hate fat people. I was driving down EDSA and saw Sunshine Dizon's before and after photo after undergoing whatever Belo was cooking up in her evil laboratory. "Don't get mad, get beautiful." Hold up. Wasn't she beautiful when she was like, overweight? Your boyfriend would've loved the Sunshine Dizon in the left side of that billboard. If you continue your journey to getting thin, your boyfriend would probably leave you and replace you with the past version of Sunshine Dizon on that billboard. (Sunshine Dizon is still the best thing on Encantadia.)
All violence is the illustration of a pathetic stereotype. Your boyfriend may be growing jealous because you're going down the healthy route. In a 2013 study, they found out that there's a dark side to weight-loss while being in a relationship. Basically, he's dumping all his insecurities on you. Maybe not all, just insecurities about his body. Since you're doing this on your own, it's possible that he's feeling left alone and his way to make you know about his feelings is to pick fights about your fitness guru bull.
Maybe you're not actually communicating to him honestly about these things, you guys are just bickering. Losing weight is pretty much a behavioral change and I suggest that your boyfriend undergoes the same thing. Like, he needs to really understand why you're doing this and stop criticizing you if you want to look fitter and become healthier. Sure, he doesn't want you to lose weight and look like a healthy person, but then again he's being selfish because you're just catering to his demands.
And if he's still being nega about all of this, you better leave his chubby-chasing ass behind because you just don't want to be chubby anymore. You're gonna find a better guy once you conform to the reigning beauty standards! It will make men objectify you more! Watch out, world! Here comes the new Mariel!
Cue that song from the Bridget Jones's Baby trailer.
Stay sexy,
Got a question for Poppy? From love and relationships to weird questions you dare not ask even your psychologist, Poppy is ready to answer them all. Send in your questions to [email protected] or post your question over Twitter or Instagram with the hashtag #AskPoppy, and you just might get the answer you are looking for.
Disclaimer: The views expressed here are solely those of the author in her private capacity and do not in any way represent the views of Preen.ph, or any other entity of the Inquirer Group of Companies.
Art by Dorothy Guya
Follow Preen on Facebook, Instagram,Twitter, Snapchat, and Viber


text:
Seamlessly empower fully researched growth strategies and interoperable internal or organic sources for development.
Interactively productize premium technologies whereas interdependent quality vectors and enterprise experiences via global markets.
Coordinate proactive e-commerce via process-centric outside the box thinking, completely pursue scalable customer service through potentialities.
Uniquely enable accurate supply chains rather than frictionless technology, network focused materials and manufactured products
Globally incubate standards compliant channels before scalable benefits whereas web-enabled applications.
Credibly pontificate highly efficient manufactured products via holistic innovation rather than client-centric data.
Alpha Namibia Industries Renewable Power Limited (ANIREP) was listed on the Namibia Stock Exchange (NSX) development board in 2018. It has become the second Capital Pool Company (CPC) and the first Alternative Electricity Company on the bourse.
©2021 ANIREP Solar Pty LTD. All rights reserved. Design by Works By Steve
Visit us on social networks


text:
Our Vision
Our vision is to offer High Speed Wireless Broadband to everyone, no matter where you live. True wireless freedom comes with cords, or data caps or contracts. And you shouldn't have to live in town to have real choices.
Our Story
We are a local owned and operated Wireless Internet Service Provider (W.I.S.P). We have been proudly providing wireless high speed internet to Cape Girardeau, Southern Perry and Eastern Bollinger Counties since 2011.
Meet the Team
We offer 100% local support from people right here in your community. Having your internet with us helps keep your dollars stay local. As a small business, we try to support other small businesses wherever we can.
Thomas Simi
General Manager
Network Administrator
Richard Schmidt
Billing & Support Expert
Nick Stroer
Chief Field Technician
Want to know more?
Would you like more information about the services we offer and if we offer services where you live? Contact us today to find out more.


text:
|COOKIES: By using this website you agree that we can place Google Analytics Cookies on your device for performance monitoring.
University of Cambridge > Talks.cam > Wolfson College Science Society > Open access publishing: a pioneer's perspective.
Open access publishing: a pioneer's perspective.
Add to your list(s) Download to your calendar using vCal
If you have a question about this talk, please contact Dr Karyn Megy.
The last fifteen years have seen huge changes in scientific publishing. The traditional method of selling subscriptions to print journals is slowly being replaced by online open access publishing, whereby research articles can be read and downloaded for free.
Open access provides maximum visibility for authors, allows taxpayers to read the research that they pay for and encourages research in emerging economies. The switch to open access is not without controversy, with opposition from some scientific publishers, some learned societies and in some subject areas, where there may be insufficient funds for the Article Processing Charges levied on authors at open access journals.
This talk will cover the history of open access publishing, its strengths and weaknesses and some recent developments in online publishing and open data, from the perspective of BioMed Central, the world's first open access publisher.
This talk is part of the Wolfson College Science Society series.
This talk is included in these lists:
Note that ex-directory lists are not shown.
Other listsECNM Group, Department of Materials Science and Metallurgy Education Reform and Innovation - ERI Isolation and molecular identification of actinomycete microflora, of ... cat.inist.fr/?aModele=afficheN&cpsidt=17110743 de A BOUDEMAGH - 2005 - Cité 24 fois - Autres articles ... of some saharian soils of south east Algeria (Biskra, EL-Oued All Faculty of Education Seminars Horizon Forum: The Cell-Materials Interface International Political Theory Research Seminar Series
Other talksInferring the Evolutionary History of Cancers: Statistical Methods and Applications SciScreen: Finding Dory Algorithmic Investigation of Large Biological Data sets Making Refuge: Academics at Risk Intelligence and the frontal lobes Requirements in Application Development How to Deploy Psychometrics Successfully in an Organisation Art and Migration Animal Migration Market Socialism and Community Rating in Health Insurance Protein Folding, Evolution and Interactions Symposium Modeling and understanding of Quaternary climate cycles


text:
General Motors is recalling 50,413 model year 2017-2019 Chevrolet Bolt EV vehicles that were recalled in November 2020.
The high voltage battery could catch fire when charged to full or nearly full capacity.
A battery fire increases the risk of injury.
What to do
GM will replace defective battery modules free of charge.
Owners should take the following interim steps:
Activate either the Hill Top Reserve (2017 and 2018 models) or
Target Charge Level (2019 models) feature in their vehicle to limit the charge level to 90%, charge their vehicle after each use, avoid depleting the battery to 70 miles range remaining, park outside after charging, and do not charge the vehicle overnight.
Interim letters notifying owners of the safety risk are expected to be mailed September 6, 2021. A second letter will be mailed once the final remedy is available.
Owners may contact the Bolt EV Concierge Team at (833) 382-4389. GM's number for this recall is N212343880.


text:
Burlington, NC – Atlas American Lighting, a U.S. manufacturer of lighting products, is pleased to announce the appointment of Dale Sharp as Purchasing Manager. Dale has held varied roles in purchasing, procurement and sourcing over the past 20 plus years. Dale received her degree from the Guilford College.
"Dale is a welcome addition to Atlas, she brings a wealth of experience to our team," said Plant Manager Jeff Nunn. "We will leverage her extensive background in purchasing and supply chain management to help us continue to ensure we are ready to support our organization and the requirements of our customers."
In this role, Dale will be responsible for purchasing and sourcing activities, and leading an effort to create process improvements that will enhance the procurement function for the business. In addition, she will provide comprehensive supply chain leadership and support to engineering operations, manufacturing, and external supply networks with a focus on material cost management, strategic sourcing, and supplier relationship management.Tagged with Atlas American Lighting, people


text:
- Last Updated on Friday, 01 August 2014 02:18
By Jill Brown
On Saturday, June 28, children who enjoy science were in for a real treat when an educator from Carnegie Museum of Natural History brought real dinosaur bones to Monessen Public Library. She showed the fossils and educated the children about them.
|Corinne Baccanti, Outreach Educator for the Carnegie Museum of Natural History, holds up the skull of a camarasaurus dinosaur, one of the oldest discovered.
Prior to her arrival, at 11 a.m., the children took part in a summer reading signup with new Children's Librarian Allysa Gigliotti. Then, they engaged in crafts of dinosaur bones.
Finally, at 1 p.m., Corinne Baccanti from the Carnegie Museum of Natural History arrived. There was a mold of T-rex skull, which was a quarter-size replica, a T-rex tooth the size of a banana, a tail plate, and many other dinosaur pieces.
Kids of all ages were interested and asked questions. Baccanti told the children to come out and visit her at the museum. When she asked, "Did you all have a cool time and learn a lot?" They said, "Yes!"


text:
Posts Tagged 'police state'
"The best car safety device is a rear-view mirror with a cop in it"*…
From Ulysses S. Grant to Philando Castile— how the automobile fundamentally changed the relationship between the police and the citizenry: "A Brief History of the Traffic Stop (Or How the Car Created the Police State)."
* Dudley Moore
As we stay in our lanes, we might recall that it was on this date in 1900 that the Firestone Tire and Rubber Company was founded in Akron, Ohio (also home to arch-rival Goodyear Tire and Rubber Company, and another two mid-sized competitor tire places, General Tire and Rubber and BF Goodrich). The company's founder, Harvey Firestone, parlayed his close friendship with Henry Ford into a role as prime tire supplier to the Ford Motor Company, starting in 1906 with tires for the Model T. In 1926, the company opened the Firestone Natural Rubber plantation in Harbel, Liberia. The largest plantation of it's kind in the world, it operated until it was seized, in 1990, by Charles taylor and his NPFL forces. The company's ventures in Liberia have been the subject of considerable scrutiny and criticism, including a 2005 Alien Tort Claims Act case brought in California by the International Labor Rights Fund and a 2014 investigative report by ProPublica entitled "Firestone and the Warlord," and a PBS Frontline documentary by the same name.


text:
Google GSuite
Google GSuite includes GMail, Google Drive, Docs, Sheets, Slides and Forms
The University needs to reduce how much it stores in Google Drive
Recent changes in Google's policies worldwide mean they will no longer be providing the University and other educational institutes with free, unlimited Google Drive storage. Continuing with the current size of our Google GSuite environment will cost the University dearly on an annual basis. To minimise costs associated with this change in direction from Google, the University is using this as an opportunity to rationalise its file storage options.
The University needs to significantly reduce how much we store in Google to avoid this annual charge that Google will impose.
The University will therefore be moving to a supported file storage service (the Google Suite is not currently supported by the University) using Microsoft OneDrive.
Google Drive will continue to be offered for existing staff and students, but with a quota of 1GB enforced from 1st October 2023. The small quota will allow for continued sharing using Google Docs, Sheets and Slides.
When is this happening?
Google Drive storage available to the University after 1st October 2023 will be only 10% of what we currently use. We all need to start tidying up and moving files off Google Drive – the sooner the better. We will also need to implement storage quotas during 2022 to allow us to achieve this goal. The ongoing storage allocated for existing staff and students on Google Drive will be 1GB starting from October 2023.
I don't know if I'm using more than 1GB
To find out how much space you are currently using in Google Drive click this link and login with your @aucklanduni.ac.nz details. You need to add the Google Drive and Google Photos amounts together (you can ignore the Gmail number). You can also do a tidy up using this guide.
Handy tip:
If it says that you are using "xxx of 15GB" then you are signed in with a personal Google account and will need to use a different browser and login with your University details.
How does this affect me?
What about Google Drive for new staff and students?
We will be allocating a 1GB Google Drive to new staff and students starting during 2023.
The 1GB allocation allows staff and students to access Google Docs, Sheets and Slides that have been created by existing staff or students and shared.
- New staff and students will also continue to be provided with an @aucklanduni.ac.nz email address
- All new staff and students automatically get a large 1TB OneDrive for the period they are enrolled or affiliated with the University
What about my @aucklanduni.ac.nz email account?
We will continue to offer these email accounts to new staff and students. They will also be available to ex-staff and ex-students. We will likely introduce storage quotas on email, but this will only affect the top 2% of mailboxes.
Where did we start?
How are we shrinking?
How do I find out more?
We will continue to communicate with you regarding these changes. For the latest information, including instructions on how to move your files to other services please check this website.
We will also be talking directly with faculties and service divisions so that everyone is aware of these changes and the work they will need to do.


text:
The graph above, figure 5,compares the average value of homes in Owen Sound
with those in Collingwood. The first thing you notice is that the average home
in Collingwood is much greater than Owen Sound. Also note how the dwelling
values change over time. Collingwood values increased by $78,818 or 31.3%,
between 2014 and 2021. During the same period values in Owen Sound changed by
only $17,786 or 9.0%.
This is just another impact of 20 years of annual high tax increases. When
you combine the fact that we have the lowest household incomes in the area, with
high property taxes and high rents taking a bigger chunk out of our pay cheques,
we just can't afford expensive houses.
As we saw in figure 5, the value of Owen Sound homes are significantly less
than those in Collingwood. Now the above graph, figure 6, shows how Owen Sound's
entire assessment compares to Collingwood's. As we expected Collingwood's
total assessment is significantly higher than Owen Sound's. However the most
noteworthy feature of this graph is how each assessment has changed between 2014
and 2021. Owen Sound's assessment has grown by only 8.95% while Collingwood's
assessment grew by a whopping 41.63%.
Why is this important? Well, the city doesn't tax people; it taxes properties in the municipality. So, the more property there is to share the tax
burden, the lower the taxes on any individual property owner. Therefore it's
important for a municipality to grow its assessment as opposed to its
population, i.e. we need developers to build buildings so those new buildings
can share our tax burden. This is why Council decided a few years ago to
temporarily suspend Development Cost Charges to create an attractive development
environment aimed at stimulating new construction. I will be examining the data to
determine whether or not there was a good business
case to support this development charge holiday and compiling my findings in a
future post.
So why are Owen Sound taxpayers carrying an increasingly heavier load each year.
Those who read my previous studies know that the primary cause is Owen Sound's
rapidly increasing taxes is its rapidly growing expenses. However, some may say;
"Don't all municipalities have rapidly increasing expenses?" Well,
we are about to find
The graph above, figure 7, shows the total Salaries and Benefits expense for
both municipalities. You can easily review the total salaries and benefits for
both municipalities by going to the financial notes at the end of the audited
financials where you will also see the salary expense for each reported
It's glaringly obvious that Owen Sound's expense is
significantly higher than Collingwood's. What's most interesting is that in 2020
Owen Sound and Collingwood had populations of 21,612 and 24,811 respectively as
measured in the 2021 census. Yet, Owen Sound spent $3,922,227 more in salaries
and benefits than the larger Town of Collingwood. So, what does this mean in terms of
employees? Let's assume the average city employee salary and benefits totals
$84,000, which is very generous, given that our average household income is only $75,861. In this
case $3,922,227 will pay for a total of 47 full-time employees. Ask yourself;
Is it
reasonable that a municipality with 3,199 fewer residents would need 47 more
employees to run the city?
We know from our previous work that Protective Services is one of the more
costly departments in the city. So, let's take a look at Protective Services
Salaries and Benefits.
As expected, figure 8 shows that the cost of Protective Services has been growing
steadily since 2011 and is now taking a larger bite out of the Salary-Wage
envelope than any other department at $14,244,712.
In 2011 Protective Services represented 49.6% of all salaries and this grew
steadily to 55% in 2020. If the growth continues at this rate, Protective
Services will be responsible for 57.9% of all Salaries and Benefits expenses in
In Part III we will zero in on what's driving the
Protective Services increases
and compare Owen Sound's to Collingwood's records on the
Sunshine List
Return Home
Add a Comment:


text:
Tutorials - Hair
We're finished with all the clothes. Now lets give this pixel doll some hair.
Here are the palette I will be using for this tutorial:
The first thing to do is to determine the position of the hairline. On a real person, the it would be at the same distance from the eyebrows as the bottom of the nose is from the eyes, but pixel dolls often have weird proportions, so a best guide would be the edge of the forehead's highlight on the base
Now draw the actual bottom hairline. The easiest way to do this is to see it as a curved triangle going from the part and the ears. Make sure you don't go over the eyebrows.
The top outline of the hair is a bit like a big curved "M" with the middle part going in just a pixel down. Hair has volume, so make sure you put this outline a few pixels away from the head on the base.
This is straight hair, so drawing the outline is quite easy: just draw two slight curves ending at the shoulders.
Flood fill your outline with the second-lightest colour. If you're using an program that has layer, and you made your hair on a different layer, you'll need to outline around the chin with that same colour before flood-filling, because the area isn't really closed.
What not to do:
For the shading (which we'll see next), do not simply draw in strands and shade around them: this will make your hair look like an inflatable mattress-not good. Also, do not ignore the strands completely, remember that hair is not made out of a single block.
What you should do is this: With the second-darkest color, shade around the hairline, and near the ears, then draw a few diagonal lines sticking out here and there
For the bottom part, shade around the neck and ears, and then, like you did before, draw a few lines of pixels sticking out, making the shading a bit jagged.
Keep shading like that with the next color, and extend the strands a bit more. You can see it's already starting to look like actual hair.
Highlights mainly go around the "crown" of the head, and near the exterior, at the bottom. Try to stick with clusters of single pixels instead of large filled areas
For the final touch, reshade in the eyebrows with the same colours as the hair. Many dollers also like to add a bit of shading to the skin under the hairline.
Final Result:
Here's the final pixel doll. The rest of the tutorials in the "For Newbies" series will show how to do the rest of her clothing and hair.


text:
How to Withdraw and make a Deposit in FTX
By Crypto Blog
186 0
- Language
How to Withdraw at FTX
First you will need to log into your account on the FTX website. Once you are in, go to your wallet.
How to Withdraw Crypto
On this page you can see the balances for all the coin you have. We are going to use the stablecoins usdc as an example. Click "WITHDRAW".
Then click "WITHDRAW USDC".
Enter the amount you want to withdraw.
In the usdc address section, put in the recipients address, be sure to double check the address.
You can save and name this address for future use.
For security purposes FTX requires a 2FA code to complete the transaction, we are entering the 2FA code that is received from a linked phone.
Then click "WITHDRAW".
How to Withdraw FiatTo withdraw Fiat, click the "WITHDRAW" button next to the currency you wish to withdraw.
Click "WITHDRAW FIAT" and follow wire instructions displayed on the page.
When you are finished with filling out the blanks. click "WITHDRAW".
Note that FTX can only wire fiat to and from bank accounts in the name of the FTX account owner.
Frequently Asked Questions (FAQ)
There are no fees on deposits and withdrawals, except for ETH, ERC-20 tokens, or small BTC withdrawals. FTX users will pay the blockchain fees for all ETH, ERC20 tokens unless they have FTT staked.
Note: For free withdrawals, however, in the case of a user whose fiat/stablecoin deposit/withdrawal volume exceeds their trading volume, we reserve the right to charge a withdrawal fee of up to 0.10%. We will reach out to any users affected before applying this.
Small BTC withdrawal fees: BTC withdrawals 0.01 BTC are free. BTC withdrawals.
You can withdraw USD Stablecoins 1:1 as any of USDC, TUSD, USDP, BUSD, and HUSD with no conversion fee and no blockchain fee if you have 150ftt staked, otherwise you would be subject to blockchain fees for erc20 withdrawals. You can also transfer it to FTXs otc portal.
USD Stablecoins
How to Deposit at FTX
First you will need to log into your account on the FTX website. Once you are in, go to your wallet.
How to Deposit Crypto
On this page you can see the balances for all the coin you have. We are going to use the stablecoins usdc as an example. Click "DEPOSIT".
Then click "DEPOSIT USDC".
You can only send USDC to this address, you may lose your deposit if you send any other coins.
Three are three addresses for you to choose, you can either scan qr code or copy and paste the address to the platform you are trying to deposit crypto. If someone else is sending you cryptos, you can also give them these addresses for deposit, make sure that you use the right address for the right token for the right chain.
Go to "MARKETS", click on "FIAT" then click on the "DEPOSIT/WITHDRAW FIAT" button.
How to Deposit Fiat
This will bring you to a page of all the fiat currencies that FTX accepts.
We are depositing USD as an example. Click on "DEPOSIT" button in "USD and Stablecoins".
Then click on "DEPOSIT VIA WIRE".
It will show you the wire instructions for USD, every currency has its own unique instructions on making a deposit, so please read the instructions carefully when depositing fiat, when you are finished with filling out the blanks. click "CONFIRM USD DEPOSIT".
How to Deposit using Credit CardYou may also purchase bitcoin with your credit card on FTX, go to your wallet.
Click on "Manage Crypto Purchases via Credit Card".
Click on "BUY BTC WITH CREDIT CARD".
Enter the amount you wish to purchase and click "GET QUOTE".
If you accept quote, you will be redirected to our third-party partners website to supply credit card information.
Frequently Asked Questions (FAQ)
USD, USDC, TUSD, USDP, BUSD, and HUSD all count as "USD Stablecoin" balances. Depositing any of those to your FTX wallet will credit you 1:1 with USD Stablecoins. Please note that PAXG has a 0.02% on-chain transaction fee.
USD Stablecoins
USDT can be deposited or withdrawn as either ERC20, TRC20 or SPL. You can find all your USDT deposit addresses in your wallet. FTX will automatically detect which chain you are withdrawing USDT on based on the address you are sending it to.
FTX is not responsible if you send deposits or withdrawals to an incorrect address. If you are withdrawing from FTX to an incorrect address, there is nothing FTX can do to recover the tokens. If you deposit to an incorrect FTX address, we can attempt to recover it, but may charge a fee to do so, and if we do not generally support the deposited token or method we may be unable to recover it at all.
Wrong Address or Chain
The chain that a crypto deposit is sent on is really important. If deposits are sent on the wrong chain we may attempt to recover it but this is in no way guaranteed. A minimum 5% fee will be charged but in many cases we will either not be able to recover the unsupported token or will require a significantly higher fee.
FTX is not responsible if you send deposits of a coin that FTX does not list. If you deposit a coin that FTX does not support, even if it is on a chain that FTX does support, we may not be able to recover the coin and may not support returning it to you at all. If we are able to recover it and send it back to you, doing so will incur a significantly higher (than 5%).
Wrong Coin
FTX does automatically credit smart contract ETH deposits, although smart contract ETH deposits do take longer, there may be a 24 hour delay from when the deposit has 10 confirmations to when it will be credited to your account. Standard ETH blockchain transfers will be credited immediately after 10 confirmations.
ETH deposits
Some coins require a tag, or memo, to deposit; BNB is an example. If you deposit one of these coins to FTX, you have to include the tag as well. The tag is the only way for us to know who deposited the BNB, so if you dont, the coin wont be credited to your account. We can then attempt to recover it but will charge $200 to do so.
- Language
Tags ftx withdraw method ftx withdraw money ftx withdraw to uk bank how to withdraw usdt ftx uk withdrawal ftx withdraw paypal ftx withdraw sgd ftx withdraw usdt ftx withdraw usd ftx withdraw gbp ftx withdrawal ftx cash withdrawal ftx withdraw crypto ftx withdrawal method ftx withdraw to bank ftx withdraw aud ftx withdraw btc ftx withdraw bnb ftx withdraw busd ftx withdraw euro ftx withdraw eth ftx withdraw singapore ftx us withdrawal limit ftx btc withdrawal limit ftx withdrawal fees uk ftx withdrawal fee usdt ftx withdrawal fees euro ftx withdraw crypto fee ftx crypto withdrawal limit ftx withdraw to bsc ftx sell nft ftx sell crypto ftx how to sell crypto ftx sell short ftx sell order ftx sell limit order ftx us how to deposit ftx deposit uk ftx deposit ftx deposit usd ftx deposit aud ftx deposit bank ftx us bank deposit ftx deposit credit card ftx deposit via card ftx deposit crypto ftx deposit eur ftx deposit eth ftx deposit fiat ftx deposit gbp ftx deposit inr ftx us deposit ftx visa deposit ftx deposit with credit card ftx deposit via wire ftx deposit via paypal ftx deposit methods ftx deposit options ftx credit card deposit limit ftx fiat deposit limit ftx deposit paypal ftx deposit sgd ftx deposit sepa ftx deposit solana ftx deposit usd dbs deposit usdt ftx ftx how to buy crypto ftx buy with credit card ftx buy bitcoin ftx buy crypto ftx buy bnb ftx buy ada buy ftx coin ftx buy eth buy ftx in us ftx buy luna ftx buy nft ftx buy ledger buy on ftx ftx buy shiba ftx buy sol buy ftx token ftx buy usdc ftx buy usdt ftx deposit via card fee
REPLY A COMMENT Cancel Reply
Leave A Comment


text:
Realme X7 Pro 5G review: Realme X7 Pro is the latest mid-range smartphone from the brand. With this 5G-ready mid-range device, the company aims to take on the competition by offering a flagship processor, 65W fast charger, AMOLED panel, and stereo speakers at around Rs 30,000. Realme is offering the top-notch Mediatek Dimensity 1000+ chipset with X7 Pro.
The Realme X7 Pro will be seen giving tough competition to OnePlus Nord and Xiaomi Mi 10i, though it has a higher starting price compared to the Xiaomi device. Is this the best 5G-ready flagship killer phone? Read our review to know more.
Realme X7 Pro Specifications: 6.5-inch full HD+ display with 120Hz refresh rate | MediaTek Dimensity 1000+ 5G processor | 64MP+8MP+2MP+2MP quad rear camera setup | 32MP selfie camera | 4,500mAh battery with 65W fast-charging
Realme X7 Pro price in India: Rs 29,999
Realme X7 Pro: What is good and bad?
The Realme X7 Pro offers a premium design and feels very good to hold. The device has a matte surface with a frosted glass finish, just like OnePlus 7T. The Mystic Black colour model of the X7 Pro looks beautiful and classy. The colour of the back panel shifts from bluish-grey to pink and yellow when you look at it from different angles in the light. The phone also has a massive placement for Realme's 'Dare to leap' branding, adjacent to the camera module.
The back panel didn't attract fingerprints, though, the device is a bit slippery. The bundled case should offer relief to users. Just like OnePlus Nord, there is no headphone jack here. So, if you haven't yet upgraded to wireless earphones, now is the time to do that as the mid-range segment is gradually getting rid of the audio jack.
The phone has a USB Type-C port and stereo speakers with support for Dolby Atmos. The speakers sound great while gaming. One will also enjoy binge-watching content on this device as sound output is impressive for the price. It is clear and loud enough with some depth.
The Realme X7 Pro has a 6.5-inch FHD+ display. The device features slim borders around the display and the circular notch on the top left corner is not as small as seen on some of the smartphones. There is no support for HDR 10+, unlike OnePlus Nord.
The display renders vibrant colours and deep blacks. We had no issues in viewing the device's screen in harsh sunlight. The 120Hz refresh rate did make browsing or navigating around the interface smoother.
The day-to-day performance of the smartphone was a breeze and the multi-tasking experience was also smooth. The Realme X7 Pro packs MediaTek's flagship Dimensity 1000+ processor. We played Genshin Impact open-world game with graphics set to Medium and the performance was very pleasing. However, when graphics and other settings were set to High, we saw noticeable lag and stutter. The back panel of the device got warm after 60 minutes of gameplay.
The in-display fingerprint sensor is very fast to unlock the X7 Pro. The new handset from Realme comes with support for 5G. While India is yet to get this feature, it is good to have a future-ready device at an affordable price.
The company is shipping the device with Android 10, just like Xiaomi Mi 10i. Realme is one of the brands that never fail to offer the latest Android OS, which is why it is quite surprising. Nevertheless, you get features like Always-on-Display (AOD) with several Digital and Analog styles. Realme should introduce the Insight clock style-like feature found on OnePlus phones. It gives you an insight into how much you have used your phone and unlocked it. You also have the Digital Wellbeing feature on the device. I would like to mention that Realme's native apps take a certain amount of space and you can't even uninstall those, which is quite annoying.
The Realme X7 Pro has a decent set of cameras, including a 64MP Sony IMX686 sensor, an 8MP ultra-wide-angle camera, a 2MP monochrome portrait sensor and a 2MP macro camera. On the front, there is a 32MP selfie shooter.
In daylight, the device proved to be a mixed bag. The main rear camera managed to offer some decent shots with accurate colours and plenty of details with 64MP mode. However, in harsh sunlight, the X7 Pro often struggled with dynamic range and delivered soft details with washed-out colours.
The camera captured the cat and the fruit shop with lots of details, accurate colours and sharpness. However, the one with the cat is slightly overexposed and the fruit seller's face is not bright enough. A few shots were also a bit overexposed or underexposed. But most of the shots captured using the phone were decent enough to post on social media.
The ultra-wide-angle camera has weaker details and colour reproduction is also average. The same is also the case with portrait shots. The camera took images with minimal details, below-average sharpness, edge detection and background blur. I did like close-up shots.
Users will get detailed macro shots in daylight with good colour accuracy. The device locked the focus on subjects quite quickly. The night mode did offer us a much brighter and colourful picture, but with visible noise and minimal sharpness.
One of the biggest key selling points of Realme X7 Pro is its 4,500mAh battery with support for 65W fast charging. The provided charger is really a saviour in situations when your phone has 2 percent battery and you need to step out of the house for some work. We got 40 percent charge in about 15 minutes, which is just great.
The bundled charger took 35-40 minutes to fully charge the device from zero to 100 percent. With 2-3 hours of gaming, a bit of social networking and a few photography sessions, the device managed to last a day. Do note that the results will vary depending on your usage pattern.
Realme X7 Pro review: Should you buy it?
Realme X7 Pro is a great flagship killer smartphone, but the price is a little on the higher side, compared to the competition. Nevertheless, you are getting a robust performance, AMOLED panel, long battery life with 65W fast charging support, and of course 5G support for Rs 29,999. The mentioned price is for the 8GB RAM + 128GB storage model. The camera performance of X7 Pro is a hit or miss. Do note that the device ships with Android 10 and lacks a headphone jack. Alternatively, there is the Xiaomi Mi 10i, which has an excellent camera experience, audio jack and good overall general performance at a lower price.
With Realme's Upgrade program, you can get the Realme X7 Pro for Rs 20,999. However, you will be required to upgrade to the next-generation Realme X series phone, which launches next year by paying 70 percent price for that future phone. If you don't wish to purchase the new device and want to stick with the X7 Pro, then you will have to pay the remaining amount of Rs 9,000 later on.


text:
Journal of Financial Risk Management
Vol.08 No.02(2019), Article ID:92866,12 pages
Performance Base Empirical Analysis of Mutual Fund of Nepal
Tara Prasad Upadhyaya, Sirjana Chhetri
Tribhuvan University, Lumbini Banijya Campus, Butwal, Nepal
Email: firstname.lastname@example.com, email@example.com
Copyright © 2019 by author(s) and Scientific Research Publishing Inc.
This work is licensed under the Creative Commons Attribution International License (CC BY 4.0).
Received: March 19, 2019; Accepted: June 1, 2019; Published: June 4, 2019
The paper analyzes the returns earned by the sample mutual funds benchmarking with market return. It also assesses whether they are taking advantages of diversification, market timing and selectivity of securities to their investors. Secondary data of eight sample mutual funds' have been used from 2015 to 2018 published by Nepal Stock Exchange and respective fund manager. Risk adjusted performance measures Jensen alpha, Treynor ratio and Sharpe ratio have been used to analyze return in terms of risk and Co-efficient of Determination (R2), Quadratic Regression of Treynor and Mazuy and Famade composition model are employed to assess diversification, market timing and selectivity ability of fund manager. The result explores that funds that are operated from 36 months over-perform benchmark market index and those funds operated for 16 months are suffering from very low return. Further evidence shows that low amount of diversification, moderate level of selectivity and no significant relationship between timing skill and return of funds.
Mutual Fund, Risk, Benchmark, Return
1. Introduction
A Mutual Fund is an investment vehicle that pools funds from various investors and invests the funds in stocks, bonds, short-term money-market instruments, other securities or assets or some combination of these investments. The primary goal behind investment in mutual fund is to earn good return with comparatively low risk.
The popularity of mutual fund investment among private investors has grown dramatically all over the world during last 40 years. Therefore, mutual fund performance has always been one of the most researched areas of finances. At the end of 2016, mutual fund assets worldwide were $40.4 trillion. Total net assets in worldwide regulated funds hit $49.3 trillion at year-end 2017, it increased to $50.01 trillion at the end of the first quarter of 2018 (Investment Company Institute, 2018) .
The history of mutual fund in Nepal started with the establishment of "NCM Mutual Fund 1993" by Nepal Industrial Development Corporation (NIDC) Capital Market in 1993. The term of the NCM Mutual Fund 1993 was completed in 2001 and it was converted into close-end fund in the name of "NCM Mutual Fund, 2002" in 2002 (Thapa & Rana, 2011) .
Till June, 2018, there are all together 13 mutual scheme traded on Nepal Stock Exchange with total paid up capital Rs.21,705.2 million whereas Nepal Stock Exchange occupy Rs.367,365.5969 million capital. Mutual fund are occupy only 5.91%, 5.81% and 2.16% market share of NEPSE in the year 2018-19, 2017-18 and 2016-17 respectively. At 14 may 2018, total turnover of NEPSE is Rs.12,779.19 million in amount and turnover of mutual fund is Rs.20.76 million that is 0.1625% (Nepal Stock Exchange Exchange, 2018) .
Very few research has been completed regarding the mutual fund performance in Nepal. The overall performance evaluation of Nepalese mutual fund is the main aim of this study. The specific objectives is to measure the return earned by sample mutual funds benchmarking with market return in terms of different risk and to assess the mutual fund schemes offering the advantages of diversification, market timing and selectivity of securities to their investors.
The performance of mutual fund in terms risk adjusted return, diversification, market timing and selectivity ability are analyzed by using diverse technical measurement methods. The popular measures introduced and tested by Jenson (1968). Treynor (1965) and Sharpe (1966) , are developed on the assumptions of 'The Capital Asset Pricing Model' (CAPM) propounded by Sharpe, Lintner and others has been used to analyze the performance of mutual fund. This paper deals with the performance evaluation of 8 mutual funds in terms risk adjusted return, diversification, market timing and selectivity ability and it has been structured as Section 1: Introduction, Section 2: Review of literature, and Section 3: Methodology and Data Analysis.
2. Review of Literature
Numerous theoretical and empirical researches have been conducted on the performance evaluation of mutual fund both in the context of developed and developing countries around the world. This section presents a brief review.
Treynor & Mazuy (1966) 's study found that none of the investment managers of the 57 funds (1953-1962) outguess the market and that these managers should not be held responsible for failing to anticipate changes in market direction.
Sharpe (1966) evaluate performance of mutual funds using concept from modern portfolio theory. He has developed a composite measure that considers return and risk. He evaluated the performance of 34 open-end mutual funds during the period 1944-1963. He concluded that the average mutual fund performance was distinctly inferior to an investment in the DJIA (Dow Jones Industrial Average). It was also revealed that good performance was associated with low expense ratio and only low relationship was discovered between fund size and performance.
Jensen (1969) developed portfolio evaluation model including risk aspects explicitly by utilizing and extending theoretical results by Sharpe (1964) and Lintner (1965) on the pricing of capital assets under uncertainty. The result convey that measure of portfolio performance (which measures only a manager's ability to forecast security prices) is defined as the difference between the actual returns on a portfolio in any particular holding period and the expected returns on that portfolio conditional on the riskless rate, its level of systematic risk, and the actual returns on the market portfolio. Criteria for judging a portfolio's performance to be neutral, superior, or inferior are established.
Fama (1972) introduced a model for evaluating investment performance of managed portfolios. He suggested that the overall performance of managed portfolios could be broken down into several components. He argued that the observed return of a fund could be, due to the ability of fund managers, to pick up the best securities at a given level of risk (their selectivity ability). Some portion of this return could also arise due to the prediction of general market price movements (their market timing ability).
Henriksson (1984) , by using both the parametric and non-parametric tests for the evaluation of forecasting ability presented by Henriksson and Merton, the market-timing ability of 116 open-end mutual funds is evaluated for the period 1968-80. He found little evidence of market timing ability of manager.
Grinblatt & Titman (1989) employ the 1975-84 quarterly holdings of a sample of mutual funds to construct an estimate of their gross returns. They use sample, which is not subject to bias and sample is used to test for the existence of abnormal performance. The tests indicate that the risk-adjusted gross returns of some funds were significantly positive.
Blake & Timmermann (1998) , they obtained some new patterns in performance related to the funds' distance from their inception and termination dates: underperformance intensifies as the fund termination date while, in contrast, there is some evidence that funds (weakly) outperform during their first year of existence. These evidence supported by large sample containing the complete return histories of 2300UK opened mutual funds over a 23-year period to measure fund performance.
Galagedera, Roshdi, & Fuku (2018) suggested that comprehensive performance measurement and fund management of mutual fund process can be conceptualized into three level: to assess overall performance, a network data envelopment analysis model is used, to operate under two different environmental conditional levels of risk and other levels of risk exposure intermediate measure is used. Finally they proposed new index to assess linkage performance is demonstrated empirically to improve discriminatory power of performance.
Jaydev (1996) evaluates the performance of two growth oriented mutual funds (Mastergain and Magnum Express) on the basis of monthly returns compared to benchmark returns. It is found that, Mastergain has performed better. Biplob (2017) evaluates the performance of 15 close-ends Bangladeshi mutual funds traded in DSE (Dhaka stock exchange) by using Jensen alpha, Treynor ratio, Sharpe ratio. He found that 12 out of 15 funds got superior return compared to benchmark index return. Further he concluded that 9 out of 15 funds are well diversified and have reduced its unique risk, statistically significant timing skill but moderate level of selectivity in mutual fund market of Bangladesh.
Bajracharya (2016) studied seven mutual funds listed in the Nepal stock exchange trade (NEPSE), and concluded that most of the mutual funds have performed better according to Jenson and Treynor measures but not up to the benchmark on the basis of Sharpe ratio and few mutual funds are well diversified and have reduced its unique risk.
1) Average Return
The performance of mutual fund can be analyzed with the help of produced average return based on NAV by the mutual over the period (Sharpe, Alexander, & Bailey, 2001) of time. Generally, portfolio performance is evaluated by calculating return which also incorporate dividends and capital gains (Figure 1).
2) Risk
The risk is calculated on the basis of month-end NAV. The following measures of risks associated with portfolio: Standard Deviation (σ), Beta (β), Unsystematic Risk (σEp) are used for evaluation of mutual fund.
3) Benchmark
A benchmark is a standard against which the performance of a security, mutual fund or investment manager can be measured. Generally, broad market and market-segment stock and bond indices are used for this purpose. Comparison of risk return of other companies can be compared to evaluate performance of the company.
4) Reward to Variability
It was developed by Sharpe (1966) . Sharpe devised an index of portfolio performance measure, referred to as reward o variability ratio. The Sharpe ratio provides the reward to volatility trade-off. It is the ratio of the fund portfolio's average excess return divided by the standard deviation of the return.
5) Reward to Volatility
Treynor (1965) was the first researcher developing a composite measure of portfolio performance which is called Treynor ratio. Treynor conceived an index of portfolio performance called as reward to volatility ratio based on systematic risk. It is denoted by TP is the excess return over the risk free rate per unit of systematic risk, in other words it risk premium per unit of systematic risk.
6) Selectivity
Fama and Jensen measures are used to measure the selectivity skills of manager. Jensen (1968) explained, A portfolio manager's predictive ability that is, his
Figure 1. Theoretical framework. Source: Sharpe, Alexander, & Bailey (2001) .
ability to earn returns through the successful forecast of security prices. Similarly, Fama said that while observed return of a fund could be due to the ability of fund managers to pick up best securities at a given level of risk (selectivity). Selectivity can be further decomposed into net selectivity and diversification.
7) Diversification
One of the important advantages of mutual funds is that a small investor can also enjoy benefits of diversification of portfolio. Further, well diversified portfolio reduces the risk of the portfolio. Diversification can be measured with the help of coefficient of determination (R2).
8) Market Timing
Treynor and Mazuy (1966) , developed model to evaluate market-timing performance. Mutual fund managers may hold a higher proportion of the market portfolio if they are qualified to predict future market conditions and envisage the stock market as a bull market. On the other hand, mutual fund managers may hold a lower proportion of the market portfolio if they expect the market to underperform in the future.
3. Methodology and Data Analysis
Research Design
The descriptive research design includes the model: Jensen Measure, Sharpe Ratio, Trenyor Ratio, FamaMeaure, Trenyor and Mazuy Quadratic equation based Capital Assets Pricing Model for analysis of performance, market timing and selectivity ability of mutual funds. The secondary data is collected from monthly and annual report of Nepal Stock Exchange, published Net Assets Value of sample mutual fund on respective fund manager, annual report of mutual fund consists income statement and balance sheet, government securities and open market operation statistics published on Nepal Rastra Bank. Out of 13 mutual funds only 8 mutual fund are selected and remaining 5 mutual fund are excluded from the study because they are recently launched in market.
Tools used for Data Analysis
The popular measures introduced and tested by Jenson (1968). Treynor (1965) and Sharpe (1966) , Fama (1972) , Treynor and Mazuy (1966) are based on the assumptions of "The Capital Asset Pricing Model" (CAPM) propounded by Sharpe, Lintner and others. The CAPM specifies that in equilibrium the return and risk are in linear relationship called as Security Market Line (SML).
where Rp = expected return on security portfolio,
Rf = Risk Free Return,
Rm = Expected market return,
β = systematic risk of portfolio.
For a well-diversified portfolio, above relationship can be specified in terms of the total risk (σ) of portfolio return, called as Capital Market Line (CML).
where, σm is the total risk of market index
1) Jensen Alpha
Michael Jensen (1968) has introduced a portfolio performance measure called Jensen alpha also known as Jensen ratio, defines measure of portfolio performance as the difference between the actual return on a portfolio and the expected returns in any particular holding period on that portfolio conditional on the risk free rate and systematic risk. The positive alpha indicates selection skills of the manager of fund.
EARp = Equilibrium Average Return = ARf + βp(Arm − ARf),
Ap is the Jensen Alpha,
ARp is the average portfolio return,
ARm is the average market return,
ARf is the average risk free rate of return,
Βp is the systematic risk of portfolio.
2) Treynor Technique
Treynor ratio is the first risk-adjusted performance measure of mutual funds that was put forward by Treynor in 1965. It is calculated as the ratio of the excess return of the mutual fund divided by its beta (systematic risk) and is defined as:
where, Tp is Treynor ratio of portfolio,
Tm is Treynor ratio of market,
βm is systematic risk of market.
Here, excess returns of market over risk free return (ARm – ARf) are the benchmark. Greater value of the portfolio over the market indicates a superior performance of the fund.
3) Sharpe Technique
The Sharp ratio uses standard deviation to measure total risk of a portfolio rather than to consider only the systematic risk summarized by beta factor. This ratio basically indicates risk premium return earned per unit of total risk. Sharpe introduced the following reward to variability ratio (known as sharp ratio) as follows:
where, Sp is Sharpe ratio of portfolio,
Sm is Sharpe ratio of market,
σp is risk of portfolio return,
σm is total risk of market index.
4) Treynor&Mazuy Regression Analysis
Treynor and Mazuy (1966) developed the following model to evaluate market-timing performance
where "a" is the timing-adjusted alpha, which represents the timing-adjusted selective ability of mutual fund managers. The quadratic term in equation is the market timing factor and the coefficient of the market timing factor, "b" represents mutual fund managers' market timing ability. If "b" is positive, mutual fund managers have superior market timing ability i.e., the investment portfolios of mutual funds are adjusted actively to well-anticipated changes in market conditions. A negative implies that mutual fund managers do not exhibit market timing ability.
5) Fama Measures
Fama measures breaks down the observed return into four components:
1) Risk free return Rf
2) Compensation for systematic risk β(Rm – Rf)
3) Compensation for inadequate diversification
4) Net superior returns due to selectivity
The second and third measures indicate the impact of diversification and market risk. By altering systematic and unique risk a portfolio can be reshuffled to get the desired return. Fama performance measures denoted by Fp are defined as:
A positive value for Fp indicates that the fund earned returns higher than expected returns and lies above CML and a negative value indicates that the fund earned return less than expected returns and lies below CML.
6) Diversification
Diversification can be measured with the help of coefficient of determination (R2). This can be obtained by regressing the portfolio's additional return (Rp − Rf) against the market additional returns (Rm − Rf). A high value indicates greater diversification of fund and vice-versa.
The sample in this study consist of 8 mutual fund traded in Nepal Stock Exchange which we group them into two group to analyze separately. First group consist four mutual fund which are operating from 36 month and more, NAV is taken from May 2015 to May 2018. Group B consist also four mutual fund which are operating from are 16 month and more. Furthermore, dividend also has been adjusted in the return of mutual fund. In this context only four mutual fund of Group A has been distributed dividend to its shareholders two times during the period of 36 months, i.e adjusted in return after 3 month of declaration date. But in Group B no any mutual fund distributed dividend. Further, interest rate of 182 days Treasury bills published by Nepal Rastra Bank (2018) on 14 May 2018 has been taken as risk free rate of return.
Table 1 indicates that the mutual fund from group A (based on dividend adjusted return) all fund generate positive Jensen alpha. In Group B two funds (NEF and NIBLPF) show negative alpha, on overall basis fund industry alpha is good. In Group A, out of the four mutual funds under consideration it has been found that LVF1 with alpha of 0.6621. Similarly, GIMESL got the highest Jensen alpha 0.6081 from Group B. Precisely, finding overall positive alpha from this study indicates that funds are able to generate higher return than equilibrium return using CAPM.
Similarly, result shows that all the funds except LVF1 have experienced higher than market return in case of Treynor ratio also called reward to volatility ratio i.e., return per unit of systematic risk (β) in Group A fund but in market NMBSF1 performs better than others . All fund except NEF are earning negative return as reward to volatility from Group B whereas in market all are performing negative return.
The result unveils that from group A all funds have generated higher Sharpe ratio also called reward to variability ratio i.e., return per unit of total risk (ϭ) than that of market return. NMBSF1 got the highest excess return over risk-free return for taking per unit of total risk i.e. 0.1302. But in group all funds except NEF in market have negative return against for taking per unit of total risk. In
Table 1. Risk adjusted performance measure.
case of market NIBLSF1 and NEF are performing better than other from both Group.
Table 2 discloses that based on dividend adjusted return all the funds from Group A have positive return. Out of four three fund earning greater than market return, they are: SEOS, NMBSF1, LVF1. On the other hand, some mutual funds have lower total risk than market. In addition mutual funds return are less sensitive than market since all fund have Beta less than 1. In Group B, all mutual funds are performing lower than risk free rate of return, GIMESL, NIBLPF have greater risk than market but other have lower risk than market. Beta is also lower than 1 it refers lower sensitivity of stock.
Table 3 depict that with low R2 value of mutual fund represented the less diversification of the portfolio and the high R2 value indicates the well diversified portfolio. Most of the funds indicate the low R2 that the portfolio is less diversified its unique risk and is high unsystematic risk is low but the total risk is very high.
On the other, NMBSF1 and NMBHF1 from Group A and B respectively have higher R2 indicates low total risk, systematic risk and unsystematic risk because of well diversified portfolio. Managers of other fund are taking some level of diversifiable risk (unsystematic risk, σEp).
Table 4 reveals that Group A and Group B has positive c-coefficient but none of them has been found statistically significant at any level of significance. Moreover using Treynor and Mauzy Quadratic equation, a (alpha) which represent selectivity of fund. Out eight five funds have positive selectivity but none of the fund is statistically significant at any level of significance.
Table 5 presents breaks up of Portfolio returns with the help of Fama's decomposition measure. The result unfolds all funds from group A have earned superior monthly return because of the security selection ability on the part of the fund managers. And all funds from Group B earning negative return, it means that fund managers have taken diversifiable risk that has not been compensated by the extra returns.
Table 2. Descriptive summary statistics of mutual funds and market index.
Table 3. Risk and diversification.
Table 4. Treynor and mauzy quadratic equation.
Table 5. Break up of portfolio returns.
Table 6. Return and risk on portfolios (figure in %).
Table 6 reveals that in Group A from May 2015 to May 2018 on an average mutual fund earned return of 1.0346% monthly with standard deviation of 0.1533 monthly based on monthly NAV. Whereas average monthly return of market in this period was 0.9088 with the standard deviation 0.1894. Which indicates mutual funds' performance was better than market index. In Group B from February 2017 to May 2018 on an average mutual fund monthly earned return of −0.1560% with standard deviation of 0.4348 based on monthly NAV. Whereas average monthly return of market in this period was −0.4874 with the standard deviation of 0.8237 which indicates mutual funds' performance and market performance both are not good.
4. Conclusion
The results pertaining to the selectivity skills of fund managers have indicated that all of group A possess positive net stock selection ability of portfolio managers have found positive for majority of schemes but Group B mutual fund have negative net selectivity ability. So it can be concluded that over research period mutual funds are over-perform benchmark market index and it depicts low amount of diversification, moderate level of selectivity and no significant relationship between timing skill and return of funds. Mutual Funds have contributed significantly to shaping economy. To accelerate economic growth and enhance the financial capabilities of small household, it is the better solution for investment issue since small amount can be employed through good selection and timing strategy.
Conflicts of Interest
The authors declare no conflicts of interest regarding the publication of this paper.
Cite this paper
Upadhyaya, T. P., & Chhetri, S. (2019). Performance Base Empirical Analysis of Mutual Fund of Nepal. Journal of Financial Risk Management, 8, 43-54. https://doi.org/10.4236/jfrm.2019.82004
- 1. Bajracharya, R. B. (2016). Mutual Fund Performance in Nepalese Mutual Fund Units: An Analysis of Monthly Returns. Journal of Advanced Academic Research, 3, 92-100. https://doi.org/10.3126/jaar.v3i2.16758 [Paper reference 1]
- 2. Biplob, M. N. (2017). Performance Evaluation of Bangladeshi Mutual Fund: An Analysis of Monthly Return Based on Net Asset Value. International Journal of Economics and Management Sciences, 6, 428. https://doi.org/10.4172/2162-6359.1000428 [Paper reference 1]
- 3. Blake, D., & Timmermann, A. (1998). Mutual Fund Performance: Evidence from the UK. Review of Finance, 2, 57-77. https://doi.org/10.1023/A:1009729630606 [Paper reference 1]
- 4. Fama, F. E. (1972). Component If Investment Performance. Journal of Finance, 27, 551-567. https://doi.org/10.1111/j.1540-6261.1972.tb00984.x [Paper reference 2]
- 5. Galagedera, D., Roshdi, I., & Fuku, H. (2018). A New Network DEA Model for Mutual Fund Performance Appraisal: An Application to U.S. Equity Mutual Funds. Omega, 77, 168-179. https://doi.org/10.1016/j.omega.2017.06.006 [Paper reference 1]
- 6. Grinblatt, M., & Titman, S. (1989). Mutual Fund Performance: An Analysis of Quarterly Portfolio Holdings. The Journal of Business, 62, 393-416. https://doi.org/10.1086/296468 [Paper reference 1]
- 7. Henriksson, R. D. (1984). Market Timing and Mutual Fund Performance: An Empirical Investigation. The Journal of Business, 57, 73-96. https://doi.org/10.1086/296225 [Paper reference 1]
- 8. Investment Company Institute (2018). Research & Statistics. https://www.ici.org/research/investors [Paper reference 1]
- 9. Jensen, M. C. (1969). Risk, the Pricing of Capital Assets, and the Evaluation of Investment Portfolios. Journal of Business, 42, 167-247. https://doi.org/10.1086/295182 [Paper reference 1]
- 10. Nepal Rastra Bank (2018). Public Debt. https://nrb.org.np/pdm/pdmindex.php [Paper reference 1]
- 11. Nepal Stock Exchange Exchange (2018). Reports. http://www.nepalstock.com/reports-by-category [Paper reference 1]
- 12. Sharpe, W. F. (1966). Mutual Fund Performance. The Journal of Business, 39, 119-138. https://doi.org/10.1086/294846 http://www.jstor.org/stable/2351741 [Paper reference 4]
- 13. Sharpe, W. F., Alexander, G. J., & Bailey, J. V. (2001). Investment. New Delhi: Prentice Hall of India. [Paper reference 2]
- 14. Thapa, K., & Rana, S. B. (2011). Investment Management (3rd ed.). Kathmandu: Asmita Books Publishers & Distributors Private Ltd. [Paper reference 1]
- 15. Treynor, J. L., & Mazuy, K. (1966). Can Mutual Funds Outguess the Market? Harvard Business Review, 4, 131-136. [Paper reference 3]


text:
We present to you, premium medically certified knee protection, natural knee movement, and comfort in one knee brace. Super stiff chassis for maximum control and protection but still comfortable that is the essence of the mono hinge C-Frame Pro Carbon! The C-Frames three-point force distribution greatly reduces forces to the knee, thereby limiting knee injuries (ACL, Meniscus, and MCL) and makes it a vital piece of protective equipment. Lab-tested built-in fracture points make the C-Frame chassis to break before you injure your shin or thigh bone. You will love the super low-profile Carbon shin plate that fits perfectly inside your boots.Leatt C-Frame Knee Brace Pro Carbon SINGLE Motocross Off Road Dirt Bike ATV/UTV. Residents We take great pride in our reputation for quality and excellent value. The following items are NOT returnable under any circumstances: Personalized items Ex. Gear Set or Jersey with customization ; custom graphics; wheels Items that are used, missing tags or original packaging Opened or used electronic items OEM Parts & OEM Accessories CloseOut/Clearance Items.
The item "Leatt C-Frame Knee Brace Pro Carbon SINGLE Motocross Off Road Dirt Bike ATV/UTV" is in sale since Monday, June 28, 2021. This item is in the category "eBay Motors\Parts & Accessories\Apparel, Protective Gear & Merchandise\Protective Gear\Knee Protectors". The seller is "hablamx" and is located in Delray Beach, Florida. This item can be shipped to United States, Canada, United Kingdom, Denmark, Romania, Slovakia, Bulgaria, Czech republic, Finland, Hungary, Latvia, Lithuania, Malta, Estonia, Australia, Greece, Portugal, Cyprus, Slovenia, Japan, China, Sweden, South Korea, Indonesia, Taiwan, South africa, Thailand, Belgium, France, Hong Kong, Ireland, Netherlands, Poland, Spain, Italy, Germany, Austria, Bahamas, Israel, Mexico, New Zealand, Philippines, Singapore, Switzerland, Norway, Saudi arabia, Ukraine, United arab emirates, Qatar, Kuwait, Bahrain, Croatia, Malaysia, Brazil, Chile, Colombia, Costa rica, Panama, Trinidad and tobago, Guatemala, Honduras, Jamaica, Antigua and barbuda, Aruba, Belize, Dominica, Grenada, Saint kitts and nevis, Saint lucia, Montserrat, Turks and caicos islands, Barbados, Bangladesh, Bermuda, Brunei darussalam, Bolivia, Ecuador, Egypt, French guiana, Guernsey, Gibraltar, Guadeloupe, Iceland, Jersey, Jordan, Cambodia, Cayman islands, Liechtenstein, Sri lanka, Luxembourg, Monaco, Macao, Martinique, Maldives, Nicaragua, Oman, Peru, Pakistan, Paraguay, Reunion, Viet nam, Uruguay.


text:
Course Number: R2 805
The FBI LEEDA Command Leadership Institute is an inspiring and dynamic 4½-day course specifically and uniquely designed to prepare law enforcement leaders for command level positions. As part of the Trilogy-series of leadership courses, the Command Leadership Institute focuses on real-life contemporary strategies and techniques for those aspiring to or already in command-level assignments. Students will be engaged in such topics as command responsibility, discipline and liability, team building, resilient leadership, and leading change within an organization.
Dates: June 27th – July 1st 2022
Time: 0830-1700
Credit Hours: 28
Nampa Police Department
820 2nd Street South
Nampa, Idaho 83651
Cost: $695 payable to FBI LEEDA
(Attendees are responsible for meals, travel, and/or lodging)
Deadline: June 26, 2022
Instructors: FBI Personnel
Registration Details: www.fbileeda.org or call 877-772-7712
E-mail: email@example.com
Remarks: Do not send registrations to POST
Dress: Business Casual
For additional information regarding the training facility or local accommodations, email Jason Cantrell at firstname.lastname@example.com or call 208-761-9182


text:
Day 26 Meditation
It may seem odd to aim your caring attention to billions of beings, but sending our well-wishing out to all beings reminds us that we're connected to a vast network of lives and that small daily shifts in behavior and intention can radiate outward exponentially. You may find, as you continue with lovingkindness practice, that it transforms you in ways you weren't quite expecting.
Lovingkindness is a profound recognition that our lives have something to do with one another, that everyone counts, everyone matters.
Daily Inspiration
Daily Tip
Lovingkindness meditation dispels the illusion of "us" and "them," and that in reality there is only us. We can take that vision of life into everyday encounters and situations. Today doesn't exist apart from the network of relationships and influences that brought us to this moment in our lives. How many people were involved in some way in your decision to meditate? How many people loved you, or prodded you? Told you about their meditation practice? Challenged you so that you decided to look for more inner calm and understanding? What about those who hurt you, brought you to an edge of some kind so that you thought, I've really got to find another way or I've got to look for another level of happiness? They may be a part of why you're reading these words. We are each swept into the here and now by a confluence of events, causes, and conditions. A large community brought you to this moment.
Question & Answer
Q: If you send lovingkindness to someone but don't feel any emotion toward the person, does that mean the practice isn't working?
A: In my experience, there are many times when we do lovingkindness practice and there's no feeling—but that doesn't mean nothing is happening. The love we're contemplating is recognition of a connection that's actually deeper than emotion. The phrase is really the bottom line, because it's the expression of our intention to connect, to include rather than exclude, to pay attention in a different way. We gather our intention behind the phrase and hold it lightly. We don't try to wrest feeling out of it. You have to let the practice carry you. Sometimes the words may not carry emotion for you, but they're working in subtle ways nonetheless. Maybe your expectation of what you think you're supposed to feel—a surge of sentimental love accompanied by chirping birds—is getting in the way of your seeing the subtler, more profound changes occurring slowly within you.
Today's Blog
Meditation Transcript
Welcome back as we continue our expansion of the practice of lovingkindness. We offer lovingkindness to all beings everywhere in a few different ways. First, we offer the phrases of lovingkindness to different categories of beings, making sure to include pairs of opposites or complimentary sets that when taken together, they form the hall of life. For example, the traditional categories include all enlightened beings and then all unenlightened beings. Enlightened beings are those who are good hearted, committed to wisdom, to love, to compassion. Unenlightened beings are those who live in ignorance. So, all enlightened beings and all unenlightened beings. Those whose lives are largely happy, they're joyous, those whose lives are a mixture of pleasure and pain, and finally, those whose lives are largely painful.
This is a template just to reveal how one might go about this part of the practice. You can use these categories or any categories that come to mind, as long as when combined, they cover this immense picture of life. And of course, we may be partial to one side of things. We may like enlightened beings a whole lot more than we like unenlightened beings. But, the exercise works to gently dissolve our reluctance to include.
Each time we do include someone, we realize that we can experience the power, the force of kindness, of love beyond our preferences. The phrases of lovingkindness are big enough to capture the immensity of life. Phrases like, may you be safe, may you have mental happiness, may you have physical happiness, may you live with ease. You can use these phrases or any phrases that are meaningful for you. What would you wish for all beings everywhere?
So as you sit, you can close your eyes or not. And start with various groups… Such as all enlightened beings, and all those who live in ignorance, all those whose lives are largely happy, those whose lives are a mixture of pleasure and pain, those whose lives are largely painful, all beings who live on the earth or in the earth, those who live in the air, in the ocean. Whichever categories you might choose to use. Gently repeat the phrases, focusing all of your attention on one phrase at a time. If there are no waves of emotion or sentiment, don't worry about it.
The power of the practice is developed through the power of concentration. So, gather all of your energy behind just one phrase. And, if you find your attention has wandered, see if you can let go of the distraction without judgment and come back to repeating the phrases. May you be safe, may you have mental happiness, may you have physical happiness, may you live with ease, or whatever phrases you're using.
See what categories come to mind. Those beings who have a home and those who don't. Those who are waking up, those who are asleep. Whatever pairs of opposites come to mind, be sure to include both or all parts of a complementary set. We then move on to offering the phrases of lovingkindness to all beings everywhere without distinction, without exception, without separation.
This is an expression of our capacity to connect to, and care for all of life. So, open your heart and begin with the phrase, may all beings, may all beings be safe, may all beings have mental happiness, may all beings have physical happiness, may all beings live with ease – all beings, all creatures, all individuals, all those in existence. We connect to the boundlessness of life, so many life forms. May all beings be safe, have mental happiness, have physical happiness, live with ease.
And when you feel ready, you can open your eyes. Notice if the sense of spaciousness, expansiveness, lovingkindness, affects you throughout the day.
Previous LessonNext Lesson


text:
Used Very Good Yaesu FT-817ND HF/VHF/UHF Portable Radio S/N: 2G120143
Check Store Stock
Las Vegas:
Distribution Center:
Used Very Good Yaesu FT-817ND HF/VHF/UHF Portable Radio S/N: 2G120143. Radio tested and works as designed and in fantastic shape in original box. Original included items plus Nifty Manual and Radio Brackets.
Ultra Compact HF/VHF/UHF Multimode Rig
- Despite its incredibly small size (5.3" x 1.5" x 6.5"), the FT-817 delivers big performance! Its next-generagion PA puts out five watts on all HF bands, plus the 50 MHz, 144 MHz, and 430 MHz bands, on all popular operating modes: USB/LSB/CW/AM/FM/Packet/PSK-31/RTTY.
Wide Receiver Frequency Coverage
- Enjoy shortwave and FM broadcasts, public safety communications, and airband calls thanks to the extended frequency coverage of the FT-817ND, which includes reception on 100 kHz - 56 MHz, 76 - 108 MHz (W-FM only), 108 - 154 MHz, and 420 - 470 MHz.
Two Antenna Connectors for Ease of Installation
- The front panel includes a convenient BNC connector for attachment of a whip or VHF/UHF rubber flex antenna (supplied). The rear panel includes a type "M" ("SO-239") connector.
- As shipped from the factory, the BNC jack is active on 50/144/430 MHz, while the "M" connector is active on HF. But using the Menu, you can assign, for example, 50 and 144 MHz to the rear panel, if your coaxial cables have matching plugs.
Receiver Enahncement Features
- IF Shift – For reduction of adjacent-frequency interference.
- IF Noise Blanker – For reduction of ignition and other impulse-type noise.
- IPO (Intercept Point Optimization) – Bypasses RX Preamp on HF/50 MHz for improved performance during strong-signal conditions.
- ATT (Front End Attenuator) – For more pleasant reception of very strong signals.
Outstanding CW Features
- CW "Semi Break-in," with T/R recovery delay programmable from 10ms ~ 2500 ms. At 10 ms setting, performance emulates QSK operation.
- CW Reverse: provides BFO injection from LSB-side, instead of default USB-side.
- CW Pitch Control: adjusts TX offset and (identical) sidetone between 300 Hz and 1000 Hz in 50 Hz steps; this allows precise spotting on DX stations. Sidetone level is adjustable.
- Built-in Electronic Keyer, with speed adjustable between 4 WPM and 60 WPM, and Weight (Dot:Dash Ratio) adjustable between 1:2.5 and 1:4.5.
- For emergency use, the Menu allows you to set up the Microphone's [UP] and [DWN] keys for generation of "Dots" and "Dashes" on CW!
Versatile, Easy-To-See Liquid Crystal Display (LCD)
A wealth of information is available on the front panel LCD:
- When you have to be away from the radio for a few minutes, but would like a visual indication of activity while you're away, activate the Spectrum Scope Monitor. The Spectrum Scope Monitor allows you to watch activity ±5 channels from the current operating frequency.
- The LCD illumination color may be set to either Blue or Amber color, using the Menu.
- Watch for low battery trouble using the Battery Voltage Meter display selection.
- For ease of viewing while outdoors, you can double the size of the frequency display
High Performance Collins® Mechanical Filter Options
- An optional filter slot is provided in the FT-817ND, allowing the owner to install one of two available Collins® Mechanical Filters. For CW operation, choose the 7-pole YF-122C (500 Hz bandwidth), or for very natural-sounding SSB select the 10-pole YF-122S (2.3 kHz bandwidth).
Internal Battery Power
- The FT-817 is the only rig in its class with internal battery operation capability. Shipped from the factory with a battery tray for 8 "AA" batteries. Full power output is available under battery power.
- Other manufacturers radios make you carry around a heavy external power source. . .but the FT-817ND is entirely self-contained, making it ideal for backpacking or search-and-rescue work.
Write Your Own Review