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A new report considers the implications for education of the SEN/month of birth effect
read more
Want to encourage your disabled students in sport? Godfrey Hall has a number of ideas and sources of support for schools in doing so
read more
SENCO Week discusses low incidence special educational needs — those with significant difficulties and/or disablities which affect only a small number of children
read more
SENCO Week provides information to help you support pupils with physical or sensory difficulties and outlines the role of the Disability Discrimination Act read more
SENCO Week explains the tell-tale signs of hearing impairment and introduces some support strategies. Also included is SENCO Helpsheet 4 on medical conditions. read more
Here are some useful reminders about making good provision for pupils with visual impairments
read more
Special education consultant Michael Farrell considers provision for pupils with severe learning difficulties (SLD) read more
Special education consultant Michael Farrell considers provision for pupils with orthopaedic impairments and motor disorders read more
Developmental verbal apraxia is the inability to coordinate the lip, tongue and throat muscles in order to form sounds into words
read more
Children with moderate learning difficulties (also known as global learning difficulties) have a general developmental delay. They have difficulties with learning across all areas of the school curriculum
read more
Dr Diane Bebbington and Eileen Burke examine the effects of unsupported language difficulties. read more
A new survey draws attention to the lack of preparedness for dealing with epilepsy in schools. The survey was presented as part of National Epilepsy Week's theme of 'Educational challenges for children and younger people'. Epilepsy Action has also produced information and resources which SENCOs will find useful in advising colleagues. read more


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Política Brasileira entry#5
2 min read
Today I had a bit of a free-run, without any time or direct goal. The objective today was to shed light on the perspectives and possible combination of data that'd give me the best information. I have grouped the original data frame for better reading at Tableau, and I believe to have found the ideal format for it. I'll keep the original dataset in order to run clustering algorithms to better classify the congressmen, but for now, I'm set on the course to create a beautiful dashboard to base my conclusions off. Once the conclusion file is out, I'll be able to use different years to build a robust model. I gasped at the fact that some congressmen have spent an additional 550 thousand reais (the equivalent of ninety thousand euros) on "external expenses", on an already stellar monthly wage (roughly 5.5k Euros). The minimum wage in Brazil is about 225 euros a month, which equals 4% of a congressmen's wages. There's a concept in Brazil called 'Cesta basica' which is the name given for the basic array of fundamental food for a family(of five), in any given month. The particular congressmen who spent an additional 90 thousand euros, could've bought 2000 of those items, which would feed more than five hundred families for a month. This is the order of magnitude. Pomodori tally remains intact.

subset: commoncrawl


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Israeli soldiers shot and moderately injured, on Tuesday evening, a young Palestinian man, east of the al-Boreij refugee camp, in central Gaza. Israeli army and navy ships fire shells and live rounds into different parts of the coastal region.Medical sources said clashes took place near the border fence, in central Gaza, between many Palestinians who hurled stones and empty bottles on military vehicles and watch towers across the border fence, and Israeli soldiers who fired live rounds, gas bombs and rubber-coated steel bullets.
One Palestinian was shot with a live round in his leg, and was moved to the Al-Aqsa Hospital in Deir al-Balah, suffering a moderate injury.
In addition, Israeli navy ships fired two shells into an area, west of Gaza City, causing damage but no injuries.
The navy also fired several live rounds on Palestinian fishing boats in the Sudaniyya Sea, northwest of Gaza City, forcing the fishers back to shore.
In related news, Israeli soldiers stationed across the border fence, east of Khan Younis, in the southern part of the Gaza Strip, fired several live rounds into Palestinian agricultural lands east of the city.
The Israeli army said it struck two targets in Gaza, allegedly "after rockets were fired from Gaza, and landed near the border fence," and that the 'shells did not cause the rocket sirens to sound.'
The army added that the targeted sites are run by the al-Qassam Brigades, the armed wing of Hamas.
Earlier on Tuesday, Israel claimed that the al-Qassam fired shells into two kibbutzim close to the border, and later denied its own report.
Israeli daily, Haaretz, said the Iron Dome system launched an interception missile after mistaking a bullet for a missile.


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To successfully add a new payment card, please ensure the following:
The zip code you enter for your card must match the billing zip code on file with your bank or financial institution, and the CVV must match the 3-digit code on the back of your card (sometimes front).
Note: Zip does not support pre-paid debit cards, Square Cash debit cards, or Capital One credit cards. See all unaccepted payment methods here.
If you are still having difficulty adding a payment card, please submit a support ticket with a screenshot of the error you are seeing. If you have followed the above steps, we will ensure you are refunded any late fees charged as a result of technical difficulties.


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After being interviewed for TV, radio, and newspapers in many different places around the world, the bulk of the content about the expedition has been pretty straight forward. Often the questions we are asked are similar, the topics are similar, and the photos or video is somewhat traditional.
Tag Archives: funny
The funny photo
June 11, 2009 – 12:21 pm
By Steven Shoppman | Posted in Expedition Updates, For some laughs, Media Coverage, North America, USA | Also tagged Alaska, eric engman, fairbanks, fairbanks university, mary beth smetzer, news miner, photo | Comments (0)
I think we need him for border crossings
April 25, 2009 – 11:32 am
If you need me today, I'm afraid I will be unavailable. I am going to be standing in front of a mirror practicing this look. And once I have it mastered… I should be able to get away with absolutely ANYTHING!
By Steven Shoppman | Posted in For some laughs | Also tagged borders, cute dog, puppy, travel | Comments (0)


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Find Domino's Pizza Places Near 83203
For the love of pizza! It's time to have tastiness delivered in Fort Hall. Order online or call now. Your local Domino's has the pizza, pasta, sandwiches, chicken, and desserts that you crave. Order pizza and food for delivery or carryout from Domino's near 83203.
Domino's® Near 83203: We're Different & Delicious
What goes into cooking up the tastiest pizza? It comes down to more than combining a few dough ingredients like flour, yeast, water, and salt, then layering on some marinara and a helping of mozzarella. Delivering the highest quality pizza begins with perfecting the entire pizza-making process, from incorporating top-quality toppings to getting the pizza on your table while it's still hot. That's what you can expect from the folks at Domino's pizza place near 83203. They hand-knead dough with care to get that perfectly crispy-chewy crunch you crave. A serving of perfectly-spiced sauce and a full helping your preferred meats and vegetables come after. Get creative with a pizza concoction designed by you or stick with a traditional Domino's recipe. Domino's pizza store near 83203 is a place for hunger-curbing free expression, a place where you'll find plenty of made-to-order options and mouth-watering pizza to go around! Domino's Fort Hall pizza deals help you save money, and dedicated delivery drivers make sure your pizza, wings, or sandwich arrives at your door just the way you ordered them.
Ready to call for pizza delivery near 83203 but not sure what exactly you're craving? Take a look at some of Domino's long-time favorite menu choices, like the ExtravaganZZa Pizza. It's piled high with almost every meat imaginable, including ham, pepperoni, beef, and Italian sausage. Meat eaters also gravitate toward the MeatZZa, a specialty Domino's pizza that features Italian sausage, ham, and pepperoni that's squished between two blankets of real mozzarella. It's just plain good. But you'll also find vegetarian pizza options for pizza lovers of all kinds. (Domino's adores veggies and meat the same!) The Pacific Veggie Pizza, for one, is jam-packed with roasted red peppers, fresh baby spinach, onions, black olives, mushrooms, and tomatoes.
And if you'd rather put your own spin on a Domino's pizza, you can do that, too. With more than 34 million ways to customize a Domino's pizza, the Domino's Pizza Builder makes you the king or queen of your very own pizza palace! Start designing your hot and toasty pizza by selecting your favorite crust: large-sliced Brooklyn Style, hand-tossed with flavorful garlic seasoning, crunchy thin that's thin enough for you to get a big "crunch" out of every chomp, hearty handmade pan, or our gluten-free crust. Then, pick your cheese and a robust tomato sauce, hearty marinara sauce, BBQ sauce, garlic parmesan white sauce, or Alfredo sauce! Add all the meats you want — even premium chicken, Philly steak, or bacon — and don't forget to balance things out with a couple of vegetables like green peppers, banana peppers, and oven-roasted red peppers. Complete your meal with a rich and creamy dipping sauce and get your plate ready for tasty pizza for delivery or carryout near 83203. Hot from our oven to the table, your pizza is made the way you order!
Beyond Pizza Delivery Near 83203: Order Sandwiches, Pasta & Chicken
Domino's pizza is a crowd-pleaser at so many of life's important events, like family game nights, team gatherings, sleepovers, and milestone birthdays, but so are other delicious foods. And sometimes your tummy grumbles for something different. It's one reason we also serve up baked pasta, chicken wings, salads, hot sandwiches, and sugar-rush worthy desserts for carryout or delivery near 83203. Enjoy tender bites of lightly breaded specialty chicken covered in BBQ sauce, or get your fingers down and dirty with dippable chicken wings flavored your way. Enjoy a mouthful of comforting baked pasta, like Chicken Alfredo, Chicken Carbonara, or Pasta Primavera. Make it a well-rounded meal with a tasty salad and rich brownie. You can have your cake… and your pizza, too! Whether your order is all pasta and no pizza, you can count on Domino's near 83203 to make it just the way you ordered and deliver it right to your door.
Discover a Better Way to Do Pizza Delivery & Takeout Near 83203
Domino's has changed a lot over the years, but our unwavering commitment to crafting the tastiest pizza possible never has. Neither has our passion for creating technology that makes it super simple for you to have food delivered when and where you want. There's the Domino's TrackerⓇ that lets you know when your pizza is being made, put into the oven, and is out for delivery. There's also Domino's Hotspots®, so you can finally have Domino's wings, pasta, chicken, pizza, and more delivered almost anywhere in Fort Hall — pool, beach, or park — you name it! Or, have the Domino's dishes you crave most delivered straight to your car with Domino's Carside Delivery™. We call it carryout, delivered. Put in your normal carryout order and start driving our direction. When you arrive, a ready-to-go team member will bring out your order and place it in your car. Backseat or trunk — you pick. It's totally contact-free and totally smart.
And since we're all about saving dough, we have great pizza coupons, special offers, mix and match pizza deals, and more to help you get more tummy-filling food for less. Plus, when you sign up for Domino's Piece of the Pie Rewards® program, nearly every order helps you earn points towards a free pizza. You'll also gain access to member-only promotions and pizza offers!
You're Overdue for Pizza Takeout Near 83203!
There's no better time than now. Oven-baked sandwiches, flavorful pastas, stuffed cheesy breads, and so much more are waiting for you and your crew. Place an order online, call a Domino's pizza store near 83203, or download Domino's free smartphone app for super delicious pizza delivery or carryout now! You'll discover that we're different from many other pizza restaurants near 83203. It's our goal to be the favorite pizza delivery place in Fort Hall, and everything we do reflects this commitment. We're the pizza shop of choice for made-to-order pizza near 83203 that's delivered how you want it!


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Oriental Flamingo Flight Greeting Card
- Regular Price
- €3,90 / m²
- Sale Price
- €3,90 / m²
- Regular Price
Sold Out
- Unit Price
- per
Tax included. Shipping calculated at checkout.
Elegant greeting card with flying flamingos in an Asian setting with matching envelop. Recycled paper. Design of Creative Lab Amsterdam.
Made in:
The Netherlands
Gold foil:
Paper type:
Recycled paper
Paper size:


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This Credit Card Is Perfect for Entrepreneurs, With No Annual Fee and Big Cash Back Rewards
This is an exciting time to be a small business owner: The economy is chugging along, with consumer spending robust and demand for goods and services of all types surging.
If you've decided now is the time to ditch your 9-to-5 and take the plunge into a new business venture, one must-have (yes, even before you order that inspirational desk sign) is a business credit card that's going to be as flexible as you are.
The Chase Ink Business Unlimited Credit Card is a new option for small business owners and bootstrapping entrepreneurs. Launched earlier this year, the Ink Business Unlimited has features that make it especially attractive for start-ups: It saves you money with a $0 annual fee (by comparison, the Chase Ink Business Preferred has a $95 annual fee) and no minimum threshold to redeem accrued rewards. And those rewards are noteworthy: Earning 1.5% cash back on all purchases is a simple and easy way to make your spending work for you — regardless of what you buy.
Experts say it's a good idea to consolidate your business spending because this can make it easier to manage your cost structure and cash flow, especially because fixed costs can be constant, while revenues — especially at first — can be considerably more volatile, and you don't want to be in a position of struggling to make payroll or pay vendors. Relying on your personal credit isn't impossible, but since personal credit limits on even the best credit cards are generally lower, you're likely to have to juggle multiple cards, with different terms, due dates and interest rates. And as a new business owner, one thing you definitely don't have is extra time for busywork.
The Case for the Chase Ink Business Unlimited
When Money crunches the numbers to figure out the best business credit cards, we often find that simpler is better: While accelerated rewards in certain categories might be eye-catching, you often have to max those out for the benefit to make up for a lower base earnings rate. As a new business owner, you need the flexibility to shake things up and follow the money.
The Chase Ink Unlimited can save your small business money in a few ways: You don't have to pay an annual fee, plus you get 12 months of 0% financing on all your purchases, which can be a huge help if you need to make some startup investments in your venture. (After 12 months, the APR is 14.99%-20.99% variable.) What's more, that intro 0% APR rate also applies to balance transfers, an option that can help you consolidate and save money if you launched a business on your personal credit cards. The rewards rate of 1.5% cash back on all spending is a good rate not just among business cards, but among credit cards in general. The difference with the Ink Business Unlimited is that there is no cap on how much cash back you can earn, and your rewards never expire. This Chase credit card's signup bonus also is impressive: With a spending threshold of just $3,000 over the first three months — a lower bar than even many personal credit cards — even business owners at the "just starting out" stage are likely to spend enough to earn the generous $500 cash back bonus reward.
The Key Stats:
Annual fee: $0
APR: 0% intro APR, purchases and balance transfers for the first 12 months; regular APR of 14.99% to 20.99% variable. There is a balance transfer fee of $5 or 5%, whichever is greater, so include that in your payoff calculations.
Rewards: 1.5% cash back on all purchases, plus a signup bonus of $500 cash back when you make $3,000 in purchases within first three months after opening the account.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.


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Socalu, one of the sector leaders in the aluminium window frame and door industry in Alsace, was founded in Vieux-Thann in 2004. Sixteen years later, Socalu wanted its website to reflect its leading position in the sector, while offering its customers a true experience.
Our support and advice
Launch date 2020
- Special KudosCSS Design Awards
Internet site
Our agency's job was firstly to introduce a user experience and artistic direction to offer a more up-to-date website, in line with the company's values and brand image. A powerful content management system, a clear user clickstream and subtle animations enhance the experience and sophistication of the internet site.


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Precious as a Pearl
Necklace: Rose quartz chips and pearl
Regular price £34.00
Unit price
Tax included. Shipping calculated at checkout.
Pink Rose Quartz with ivory cultured baroque freshwater pearl necklace with a silver-plated magnetic clasp for easy fastening.
Matching earrings are available to order on sterling silver hooks.
This necklace is presented in a premium gift box.


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Today, on Wednesday
on 22 April the
ening symposium will mark the start of the new research institute GELIFES. The Groningen Institute for Evolutionary Life Sciences is a new centre that merges the ecological, evolutionary and neurosciences research groups of the Faculty of Mathematics and Natural Sciences. They will now join together to study the interaction between evolutionary adaptation and changes during the development or ageing of organisms, and the impact this has on nature, food production and health.
'Adaptation is a key characteristic of all living systems', explains scientific director and professor of behavioural biology, Ton Groothuis. All life developed through evolution, whereby the individuals with the capacity to adapt survived. This basic principle led researchers to look more closely at the characteristics that do not appear to have adapted. 'Diseases are often the result of a mismatch between the conditions to which an organism has adapted and the current living environment,' continues Groothuis.
People, for example, evolved in conditions marked by an erratic food supply. As a result, they had to make huge physical efforts to find food. The current excesses in the Western world and our sedentary lifestyle are now causing an epidemic of obesity. 'You can only look for a solution once you know why evolution programmed us the way it did.'
Research at GELIFES focuses on adaptation in a wide range of organisms, often under semi-natural conditions. 'We prefer not to use domesticated animals, as most domesticated animals no longer display normally adapted behaviour.' The researchers keep wild guinea-pigs, seagulls and hens in spacious outdoor pens. 'Nature has ensured that each of them has adapted genetically in order to survive. We can learn a lot from this natural diversity.' Ageing is a good example – which adaptations play a role? Groothuis: 'We know that different species have found different ways of adapting to ageing. This gives new insight into the underlying mechanisms.'
The researchers also have more 'traditional' animal cages housing laboratory mice and rats. 'We use them for in-depth studies of physiological and neurobiological mechanisms. The combination of all these facilities and the fact that we have integrated evolution with physiology and neurobiology makes GELIFES unique within Europe, and possibly in the world', says Groothuis.
In addition to evolutionary adaptation, there is also an even faster form of adaptation, which makes use of the plasticity of organisms. The way that mothers can prepare their offspring for the conditions that await them before birth, via hormones for instance, would be a good example. To understand this, you must first understand the ecological conditions in which the organism lives. These days, human intervention can cause rapid changes in the conditions, such as climate change. The main question is whether organisms have the capacity to cope with the stress that this causes. 'This type of ecological knowledge is used to devise targeted strategies for nature conservation and sustainable food production, which is why our fieldwork is so important', says Groothuis.
The new institute is the largest in the Faculty, with 45 researchers, 47 support staff and more than 120 PhD students and postdocs. The staff and students come from the research institute for ecological and evolutionary studies (CEES) and the centre for behavioural and neurobiological research (CBN). The University of Groningen and the Faculty will invest €10.5 million in the institute over the next five years. This also includes competence centres, in which the institute will work with partners from industry and society.
The University of Groningen is investing € 35 million in teaching and research. The money will mainly be directed at developing Master's degree programmes. Last June, all faculties of the University of Groningen had the opportunity to apply for funding by submitting ideas or projects to the Board of the University. The condition was that the proposals should improve teaching and research at the University.
Of the 53 plans submitted, 28 have been provisionally approved by the Board of the University. They dovetail with our societal themes Healthy Ageing, Energy and Sustainable Society. Projects in Agro & Food and Engineering can also count on receiving funds.
Prof. Ton Groothuis,
, +31 ( 0)50 363 8357/2340
The Groningen Research Institute of Pharmacy (GRIP) spin-off company PureIMS has won the LIFE Science Innovation Award
Yesterday, a team of RUG students won the European Rover Challenge in Poland, a three-day competition in which student teams from all over the world compete.
BirdEyes is the Centre for Global and Ecological Change initiated by, among other partners, FSE and Campus Fryslân
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or reject other cookies (such as tracking cookies).
If no choice is made, only basic cookies will be stored. More information


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Make sure your special day is just how you've dreamt it always would be. Choose a rental company that can make sure every little detail has been looked over. Ultimate Rentals worries about it all … so you don't have to. See some of our favorite weddings below and learn more about our capabilities.
Our Process
1. The Beginning…
Now that you have determined if the big day is going to be indoors or outdoors and the venue has been decided, it is time to start putting everything together. Let's talk about details, either in person at our office, over the phone or we can talk at the site and take measurements to determine a great approach for the site. As time goes on we can always adjust as we go through the planning process.
2. Friends & Family
How many friends and family will be in the wedding party? How many guests do you anticipate? By determining the number of people, we can determine tent sizes, dance floors, tables, chairs, ect. (We can always make changes after the RSVPS come in.)
3. Wedding Planners & Decorators
Now is the time to decide if a planner or decorator should be hired. We can work directly with you and help with the planning as well as with planners/decorators or together with everyone to achieve your vision.
4. Must Haves & Wish List
We can talk about budget and work within that but that is no fun. We love to start with the wish list and then get to the must haves if needed. There are many different rental equipment options to work within all budgets.
5. Catering
We can supply all of the tables, linens, napkins, chairs, dishes, warmers and things you may not have heard of before that will be needed. It is important to talk to the caterer to see what they will be supplying.
5. Set Up
We typically will install the wedding rentals 1-2 days before the wedding to allow time for the decorating. Our friendly crews will work diligently to get everything done in a timely manner.
5. Take Down
The crews will return to the site and take down and remove all of the wedding equipment. Don't worry, there is no need for you to be there unless you want to.
Full-Service Planning
You will work with a wedding professional to ensure everything is to your liking. Our team will be as involved as possible from the planning stage, through design and mock-up through set up and break down of your event.
Fair Prices
We realize that every couple's budget will look a little different and we can work within your budget to make your wedding day fabulous. If you find a better quote elsewhere, bring it to us and we'll work with you.
Amazing Customer Service
We are right beside you every step of the way … except down the aisle of course! Rest assured that with our help, your event will be flawless.
See What They Say
Why People Choose Us For Their Wedding Rental Needs
"Excellent customer service and friendly staff. Loved our stage set up! I will use Ultimate Rental for all of my events in the future!"Holly KelvsenRiverside, IL
"The customer service was INCREDIBLE, and our wedding looked amazing! The dance floor was perfect, and the chairs and tables were exactly what we needed."Victoria BartlettLa Grange, IL
"The pipe and drape system we rented from them for our daughters wedding was super easy to assemble. It made the perfect backdrop!"Deb HerichHinsdale, IL


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Group Lessons
Adult Group Class with Professor Shelley Rink
The Adult Beginner piano course is a step-by-step group course for the super beginner. Using easy level pieces, the adult student will learn how to read music, play with both hands, understand chords and beginning music theory, and start to a build a repertoire of enjoyable piano music. Learning in a small group setting is both fun and rewarding!
PIOM Chamber Music Program
Calling all musicians playing all instruments (Piano, Strings, Winds, etc.) at any age! You enjoy making music alone, now you can make music together with our new chamber music program.
Come join other talented musicians to play in trios, quartets and mixed ensembles. You'll explore incredible repertoire and become a stronger musician and a more confident performer.
The program consists of weekly, 50 minute coaching sessions, performances at the end of the semester and a group project at the end of the year.
$100 per month for 45-min weekly class
$120 per month for 60-min weekly class


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On Thursday, my co-podcaster, Shaun, and husband guy, takes over the blog.
He's adorable. I hope you'll read what he says even if he does occasionally sound like a surfer dude from the 1990s.
Hi folks!
I hope that you have had a wonderful week since I last wrote my Thursday blog post. One of my favorite things to do as of late is the new podcast that Carrie and I have been doing live on Friday evenings at 7 p.m. eastern time.
It is called Loving the Strange and usually we speak on topics such as ghosts, Bigfoot, lucid dreaming and anything not ordinary. However, this week we are going to be doing a hot chicken wing eating episode and are inviting our viewers to ask us questions during the podcast, similar to the show Hot Ones.
I Swear This Isn't An Ad
I know that first paragraph sounded like a big advertisement for our podcast, and it was sort of, but in actuality I was giving some background for the rest of this blog.
Before I sat down and started typing I was starting to prepare for tomorrow night's podcast. It is way too soon to start frying delicious chicken wings (Carrie is eating fake vegan wings, blech!), but I thought that I would start inventorying our hot sauce and picking out the ones for us to use, with Carrie's input of course.
Note from Carrie: I have so far had no input.
We will start with the more mild sauces and work our way up to the hottest sauce that we have. Considering that we have 22 different bottles of hot sauce in our refrigerator, we will be skipping many of them because we will each only be eating six wings on the podcast. I am getting off track again, sorry!
My real point is that when I opened the refrigerator and thought about our hot sauces and how they change or enhance the taste of food I realized that a refrigerator is like life. It is full of culinary experiences which we often take for granted and for many of us, are often the same week after week.
How many of us just go through the motions of life and never spice it up with a dash of heat?
Making life more interesting and less mundane can be as simple as opening a "bottle" of hot life sauce and letting some fly. It is exciting, exhilarating, and oh so much better than just leading the same old bland existence all of the time!
Try it please!
Take a moment at the beginning of each day and say to yourself, "Self, how can I spice up my day today?"
You can choose a mild life spice or an insanely hot life spice depending on your mood. Just remember that the hotter and more adventurous the life spice you choose is, to use a corresponding amount less. It's the same as food spice. If you use too much life spice, it can totally ruin the experience.
If you can't bring yourself to add any life spice right now, you should at least watch our podcast on Friday. I guarantee that we will be feeling the effects of the hot sauces by the end and as long as Carrie can keep her fingers out of hers eyes it should be humorous.
Till then, start with some mild life spice and Love Your Way Through It!
Email us at firstname.lastname@example.com
Thanks to all of you who keep listening to our weirdness on the DOGS ARE SMARTER THAN PEOPLE podcast and our new LOVING THE STRANGE podcast.
We're sorry we laugh so much… sort of.
Please share it and subscribe if you can. Please rate and like us if you are feeling kind, because it matters somehow. There's a new episode every Tuesday!
Thanks so much for being one of the 263,000 downloads if you've given us a listen!
One of our newest LOVING THE STRANGE podcasts is about the strange and adorably weird things people say?
And one of our newest DOGS ARE SMARTER THAN PEOPLE episode is about fear setting and how being swallowed by a whale is bad ass.
And Carrie has new books out! Yay!
You can order now! It's an adult mystery/thriller that takes place in Bar Harbor, Maine. Read an excerpt here!
It's my book! It came out June 1! Boo-yah! Another one comes out July 1.
And that one is called THOSE WHO SURVIVED, which is the first book in the the DUDE GOODFEATHER series. I hope you'll read it, like it, and buy it!


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In Reply We thank Mr McGuffin for his interest in our Research Letter1 and agree that illegal dietary supplements pose a significant health risk to consumers. However, we believe that his assertion that the Dietary Supplement Health and Education Act (DSHEA) sufficiently prevents the introduction of adulterated dietary supplements into the marketplace is misguided, since the DSHEA assumes that all dietary supplements are safe until proven harmful.2,3 In doing so, we think that this legislation creates a false sense of security for consumers because there have been cases of dietary supplements adulterated with pharmaceutical compounds entering the marketplace and leading to public harm.4
Harel Z, Harel S, Bell CM. Illegally Marketed Drug Ingredients Are Not Dietary Supplements—Reply. JAMA Intern Med. 2013;173(22):2091. doi:10.1001/jamainternmed.2013.10386
© 2023
Artificial Intelligence Resource Center
Customize your JAMA Network experience by selecting one or more topics from the list below.


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New data on the impact of COVID-19 on caring
The Office for National Statistics (ONS) have published new data on the impact of COVID-19 on caring.
Their findings show:
Before the pandemic about 11% of adults provided care for an elderly, disabled or ill person living outside their household. This compares to the new ONS figures which found that almost half (48%) of UK adults now report providing help or support to someone outside of their household – surveyed during April 2020.
Of the adults who reported providing help , 32% were helping someone who they did not help before the pandemic and 33% reported giving more help to people they helped previously.
In 2017 to 2018, just over 1 in 5 (21%) adults that provided some regular service or help for a sick, disabled or elderly person not living with them reported symptoms of poor mental health. During April this year, among those that provided help or support to others outside their home, this increased to nearly 1 in 3 (31%). For people not providing help or support, the proportion reporting poor mental health also increased from 20% to 29%.
Shopping was the most common activity that people undertook as part of their caring responsibilities (85%). Other support including cooking meals, helping with internet access and helping with tasks like paying bills.
Those aged 45 to 54 were the most likely group to provide support – 60% of this age group reported doing this. Women were more likely than men to provide support, as were those with dependent children.
Between 3 April and 10 May 2020, 79% of adults said they were very or somewhat worried about the effect that coronavirus (COVID-19) was having on their life and 11% of these said their caring responsibilities had been affected by the pandemic.
Almost half (47%) who said their caring responsibilities had been affected said they were unable to care for someone they usually supported, for example, by being unable to spend as much time as they would like with them or being unable to travel to them. Nearly 15% also said they had to organise remote support for someone vulnerable and 9% said that paid support had reduced.


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This past year was very strong for the apartment industry here in California as well as for most other parts of the U.S. Our company's portfolio of apartments, HOA's and single-family-homes saw an increase in average rent; increase in occupancy levels; and a fair amount of new acquisitions. Will 2012 continue to lead owners, investors and property managers in this positive growth direction? Jay Parsons and Greg Willet of Property Management Insider most certainly agree that this year will be another successful year for the apartment industry.
In their video edition of Apartment Market Dynamics, Mr. Parsons and Mr. Willet discuss a set of forecasts that should make most of us in #multifamily smile:
In regards to national apartment occupancy levels:
- Growth of up to half a percentage point
- Look for growth in Class B and Class C properties
- Top end market essentially full
National rent growth of 4 – 4.5%
What are your predictions for 2012? Is multifamily entering into another prosperous year? Happy new year to you all, _Trevor


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Can we help?
West's® Washington Digest, 2d, a Key Number Digest, contains all headnotes, classified according to West's® Key Number System, for Washington state and federal court decisions from 1854 to date. The topics are listed in alphabetical order. The Key Numbers within those topics are listed in numerical order. Each topic begins with scope notes about subjects included and subjects excluded and covered by other topics. Also there is an outline of the topic, which includes a list of all Key Numbers in that topic. Each volume is supplemented by a pocket part and the full set is also supplemented by interim pamphlets.


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One of the things I'm passionate about as a person and a photographer is intentional simplicity. In this day and age, people often fill their lives with a bunch of things, thinking that more things equals more 'wow' and more likes. But I think that 'simple', when done correctly and with thought and purpose, can be just as inspiring and even more refreshing.
With that in mind, there were two things I wanted to accomplish with this shoot:
First, I wanted to get as close to the French countryside as we could without leaving Chicago. Mostly because the French are masters at blending simplicity and elegance, but also because I'm an unabashed francophile and will find any excuse to create a bit of France here 🙂 Local French restaurant, Bistro Campagne, was the starting point. I knew I wanted to incorporate their patio with those incredible green chairs, brick walls and wooden fence. Everything else was developed from there to ensure the colors and textures meshed well with the vibe of the space.
Secondly, and more importantly, I wanted everything to be done with intention. This wasn't a shoot where we were just going to grab a bunch of pretty things and take photos. I wanted this to speak to a very specific type of couple. A bride and groom who value style, but are thoughtful about what they invest in and who prefer to celebrate with a small, intimate gathering. We wanted to show this couple that an intimate wedding doesn't mean you have to sacrifice on quality. You can still have the gorgeous, customized elements of a big budget wedding.
As a team, we worked hard to put ourselves in the shoes of this couple, so every element we included had to pass a test of believability (i.e., would they actually spend their money on this?) and functionality. Here is a further look at the vision behind the different components:
Haviland Events created a tablescape that would wow guests and show that thought and intentionality was put into it while still being attainable and functional. By renting just a couple thoughtful pieces for the table, you can make the reception truly unique to you and memorable for your guests.
As a bride hosting a smaller wedding, you can still carry a big, beautiful bouquet of blooms with a premium silk ribbon. You can decorate your tables with floral centerpieces or garlands of flowers. The same design elements apply as they would to a larger event, but it is even easier to focus on quality over quantity when you are going small. Jackson Floral Design built a color palette of soft gray, silvery blue, and a touch of blush by using Early Grey Roses and White O'Hara garden roses as the focal flowers.
For the tablescape, she wanted to showcase a large centerpiece filled with a single flower type in mass. Spirea (bridal veil) was the perfect choice as it is neutral in color and the tiny white blooms give off a romantic, airy feel. The stone vases were a nod to the architecture of old world chateaus you would find in France.
With intentionality in mind, we opted to forgo invitations, understanding that a couple celebrating with fewer than 20 guests would likely not need the formality of invitations. We instead wanted to add some elegant calligraphy to our tablescape. Four Hats Press wanted the table's paper pieces to communicate thoughtfulness and personalization. At small gatherings, such detail can convey to guests how meaningful their presence really is, saying, I made a place at this table just for you! She chose imperfect, handmade paper with deckled edges and a soft grey/blue ink to capture the warmth and familiarity a host hopes guests feel when they're invited to a small but special feast.
Milian Bonillo embraced the French vibe: timeless, effortless elegance. She left texture and waves in the model's hair with wisps framing the face for a light, airy style and kept the makeup light and fresh with a hint of a smokey eye. Even with an intimate wedding, your guests are going to be most excited to see you, the bride! Your hair, makeup, dress and accessories are a reflection of your inner beauty, style and vision and will be the center of attention no matter the size of the event!
We decided to spruce up the welcome drinks with handmade gold lollipops from Flour and Fig. It's a simple, cost-effective choice that can take your beverage from ordinary to a conversation piece. For dessert, we wanted to embrace the restaurant's natural offerings, showcasing their authentic crème brûlée. If you're planning an intimate wedding reception at a restaurant, you're likely already paying for dessert, so there's no need to spend more on a cake! Pick a restaurant you love and your guests will not miss the 'traditional desserts' one bit 🙂
Friends, if you're contemplating an intimate wedding, I encourage you to explore it further. You can still have a wedding full of gorgeous details (and likely better details than you could afford with a large event!) AND you get to spend more quality time with the people you love.
Embrace intentional simplicity and let your wedding be as memorable and special as it deserves to be!
Vendor Credits:
**Planning & Design: Haviland Events
**Floral Design: Jackson Floral Design
**Calligrapher & Letterpress Printer: Four Hats Press
**Hair & Makeup: Milian Bonillo Beauty using MAC Cosmetics & Kenra Haircare
**Venue & Desserts: Bistro Campagne
**Lollipops: Flour & Fig
Linens: BBJ Linen
Rentals: Vintage Place Settings
Vow Books: Within And Without Co
Dress: Nha Khanh from Rent the Runway
Shoes: Bandolino from DSW
Earrings: Kate Spade
Film Processing: The FIND Lab
**I specifically chose these 6 vendors because they share this passion for intentional simplicity and for small, intimate events. If that resonates with you and you are interested in working with any (or all!) of us to create a stunning intimate wedding, please don't hesitate to reach out!


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This guide provides a basic overview of library resources for your Animal Minds First Term Seminar. Don't hesitate to ask a librarian for research help at any step along the way!
Our agenda:
Our goals:
While this guide focuses on searching for articles and books available through the library, you might also consider sources you find online, for instance, through a Google search. Librarians are happy to work with you on accessing and evaluating these sources, too!
Research Help:


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Hewlett-Packard: Nice Job of Pricing Your New High-End Copiers
When I was a kid, I used to regularly watch "The A-Team" television show. One of my favorite parts of the hour was when Hannibal (the leader of the crack commando unit that included the lovable "Mr. T") inevitably announced "I love it when a plan comes together." A few decades later, I feel the same sense of satisfaction when I create a pricing strategy that captures the various (and often disparate) facets of value. While I did not work on Hewlett Packard's (H-P) pricing strategy, the company deserves kudos for their great job of promoting and capturing the value of its new copiers.
H-P is entering the high-end copier market using a new ink-based technology (as opposed to the laser printer type technology used by other high-end copiers). The company claims its copiers can print up to 60 black & white copies and 50 color copies per minute. Interesting…but what's so compelling about these new copiers you may be wondering…H-P's pricing strategy of course!
Christopher Lawton reports (in his Wall Street Journal article titled "H-P Begins Push Into High-End Copiers") that today, most high-end copiers are leased for 3 – 5 years. These leases charge about one cent for a black & white copy and eight to ten cents to print a color page. Using a different pricing model, H-P is basing its lease charges on the amount of color ink used on each page. The more color ink you use, the higher the price. To implement this pricing, its printers have sensors that calculate the color ink distribution on each copy.
While recent press articles have focused on the question of whether H-P's pricing will be cheaper than rivals, this focus misses the real ingenuity of H-P's pricing strategy (and really…what's to stop competitors from also dropping their prices). So what's so interesting about H-P's pricing strategy? It all goes back to the notion of early bird (discount), regular (normal), and chef's table (premium) pricing.
Today, the decision whether to make a color copy is actually black and white…is it worth 10 cents? While users may prefer color, many times it simply isn't worth the dime per copy cost. This is where H-P's pricing strategy comes into play. Preparing for a big board of directors meeting? Why not print early drafts in "general office color" mode (less color ink – lower price – "early bird") and the final presentation in "professional color usage" mode (more color ink – premium price – "chef's table"). Similarly, while adding a touch of color to jazz up a flier may be hard to justify at 10 cents a copy, H-P's pricing strategy makes it possible at a lower ("early bird") price.
The result of H-P's strategy is "win-win:" customers benefit from using color in instances that were previously prohibitively expensive and H-P better profits from the value of its color technology (current customers make more color copies and its pricing flexibility will attract new customers). It never ceases to amaze me how simply creating a new pricing strategy can differentiate a product and in the process, boost profits.
A tip of my hat to Hewlett-Packard, you've done a great job of making "a (pricing) plan come together."


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SpiderMonkey is the JavaScript engine used in Mozilla Firefox. This newsletter gives an overview of the JavaScript and WebAssembly work we've done as part of the Firefox 82 and 83 Nightly release cycles.
If you like these newsletters, you may also enjoy Yulia's Compiler Compiler live stream.
🏆 New contributors
- Yozaam optimized part of our private fields implementation.
👷🏽♀ New features
Firefox 82-83
In progress
- Tom implemented the .item proposal, but this feature had to be backed out after a few days because it caused various web compatibility issues.
- Yulia is making progress implementing Top-level await.
- Jessica from Igalia started implementing the Wasm type reflection proposal.
- Ryan started implementing the Wasm function-references proposal.
- Ryan implemented the Wasm eqref type.
🚀 WarpBuilder
WarpBuilder is the JIT project to replace the frontend of our optimizing JIT (IonBuilder) and the engine's Type Inference mechanism with a new MIR builder based on compiling CacheIR to MIR. WarpBuilder will let us improve security, performance, memory usage and maintainability of the whole engine.
We have enabled WarpBuilder by default for Firefox 83 🎉 This resulted in improved responsiveness, page load performance and memory usage. Feedback from Nightly users has been very positive.
A few of the other Warp changes that landed the past months:
- Iain landed many improvements for (trial) inlining.
- Jan added getter/setter calls and optimized Wasm calls to the transpiler.
- Tom ported optimizations for DOM getters, setters, methods and certain proxies.
- Caroline made changes to improve the CacheIR analysis tool.
- André added CacheIR optimizations for function.name, arguments[Symbol.iterator], Object.prototype.isPrototypeOf.
- Tom added CacheIR optimizations for
valueOfon numbers and strings.
- André implemented more CacheIR instructions in the transpiler.
🧹 Garbage Collection
- Jon added a header to dynamic object slots to store the object slot span and capacity.
- Jon refactored the tracing interface and simplified how slots and elements are stored on the mark stack. These changes will help us experiment with concurrent marking.
- Jon optimized the GC barrier code.
❇ Stencil
Stencil is our project to create an explicit interface between the frontend (parser, bytecode emitter) and the rest of the VM, decoupling those components. This lets us improve web-browsing performance, simplify a lot of code and improve bytecode caching.
- Kannan landed the ParserAtom conversion. The frontend no longer depends on the GC to allocate atoms.
- Ted landed various follow-up optimizations for ParserAtoms.
- Arai added a browser pref that switches off-thread parsing to use the Stencil format instead of off-thread GC allocations.
- Kannan added support for serializing the Stencil format to XDR.
- Arai added support for incremental XDR-encoding.
- Denis added telemetry probes for JS parsing and execution.
- Arai updated the Stencil data structures to support moving between threads.
- Arai cleaned up the interaction of Stencil with delazification.
- Matthew simplified handling of BigInt properties in the frontend.
- Ted updated Debugger to compile less when inserting breakpoints.
⚡ WebAssembly
- Benjamin enabled Cranelift by default for ARM64 hardware in Nightly builds.
- Lars added support for SIMD instructions on ARM64 to the baseline compiler.
- Dmitry from Igalia landed more call ABI changes for speeding up indirect calls.
📚 Miscellaneous changes
- Jason optimized lexical variables in generators and async functions.
- Tom Ritter added a
disnativeshell function for disassembling JIT/Wasm code.
- Nicolas changed the
callWithABIinterface. This lets us generate ABI tests for each signature.
- Steve made jsapi-tests faster by letting tests reuse a JS context/global.
- Iain added a
jitsrccommand for rr to help debug JIT code.
- Jeff started splitting up jsfriendapi.h into smaller headers.
- Jon and André cleaned up many headers, removing a lot of unnecessary #includes.
- Arai added documentation explaining how async functions and async generators are implemented.
- Jan and Ryan removed a lot of code for TypedObject. This feature has been non-standard and Nightly-only for years, but the underlying code is now being reused for Wasm GC support.
- Jon simplified locking for helper thread tasks.
- Iain cleaned up the bailout code in the Ion backend.
- Denis made canceling off-thread parse tasks more robust.


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RNA - Suhail Shaheen, the Afghan group's spokesman in Qatar, said on his official Twitter account on Sunday that the nine-member team had held talks with Deng Xijun, China's special representative for Afghanistan, in Beijing.
The Taliban's Qatar-based political bureau was engaged in a diplomatic process with the US aimed at ending Washington's 18-year invasion of Afghanistan.
Nine rounds of such talks — excluding Kabul — had taken place in Doha, with the two sides appearing to have come close to a deal, under which the US would withdraw over 5,000 troops from Afghanistan within 20 weeks in exchange for security guarantees from the Taliban.
However, US President Donald Trump abruptly canceled the peace process and declared the talks "dead" on September 9, after the Afghan militant group carried out a bomb attack in Kabul, which killed 12 people, including an American soldier.
Commenting on the talks in Beijing, Shaheen wrote, "The Chinese special representative said the US-Taliban deal is a good framework for the peaceful solution of the Afghan issue and they support it."
Citing Mullah Baradar, the Taliban delegation's leader, Shaheen added that the Afghan group and Beijing had held dialog and reached a "comprehensive deal."
"Now, if the US president cannot stay committed to his words and breaks his promise, then he is responsible for any kind of distraction and bloodshed in Afghanistan," Baradar said, according to Shaheen.
China has yet to make an announcement about the meeting.
Beijing has already voiced its willingness to cooperate in peace talks and reconciliation in neighboring Afghanistan, which shares a short border with China's far western region of Xinjiang, home to mostly Muslim Uighur people.
"We are willing to strengthen cooperation with all parties involved in Afghanistan and work together for reconciliation and peace in Afghanistan," Chinese Foreign Ministry spokesperson Geng Shuang told a weekly media briefing in Beijing on Saturday.
Following the collapse of the talks with the US, Taliban negotiators visited Russia and neighboring Iran to discuss the Afghan peace process.


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Services & Value Add
Direct plans give you an advantage of cost (approx 0.5% on equity funds). We all know that in this world there are no free lunches!
In order to create wealth and to meet long term goals a financial plan is a neccesity. Fund selection plays a minor role in this, what is more important is customised goal linked invetsment, periodic rebalancing of portfolio, risk review and portfolio reallocation, goal tracking etc. If the entire process of Financail Planning is followed the probablity of meeting your goals goes up drastically (as much as 300% as per studies).
By going "direct" you do save some money on cost (although it is marginal), what you gain is that you remain invested through turbulent market cycles, have a portfolio with the right asset allocation, periodic reviews and rebalancing. This adds immense vaue to your investments and are the difference between attaining financial freedom and falling into the trap of greed and fear which has led to millions of investors burning their fingers in the investment arena.
The investment markets are built to transfer wealth from the impatient; to the patient and the disciplined. This patience and discipline can only be brought in to your investments through a good customised Financial Plan.
FInEdge is a financial planning company that is focused on helping you achieve your long term financial goals. In India, equities are largely viewed as speculative tools to make a quick buck, and not as long term investments. When it comes to equities, clients have a tendency to follow costly and high risk short term strategies such as BTST, Short Selling and Options Trading rather than buying growth stocks at reasonable prices and holding onto them for the long term. For this reason, we consider Mutual Funds as a more suitable tool to achieve your long term goals. Not only do you hand the steering wheel over to a qualified, experienced and seasoned fund manager, but the SIP habit also encourages you to think long term and not be carried away by market trends.
Yes. FinEdge can help you avoid common tax saving related pitfalls and ensure that your endeavour to save taxes under Section 80(C) also results significant long term wealth creation for you. FinEdge recommends only low cost, high growth tax saving investments that have the potential to grow into a sizeable corpus for you, which you can later utilize for the partial fulfilment of one or more financial goals.
Life Insurance is a high commission product that doesn't create value for clients in the long term, in terms of investment growth. Hence, we've steered clear from Life Insurance as a product. We firmly believe that there are far better, lower cost options available to fulfil your financial goals compared to Life Insurance.
In India, life insurance is commonly sold as an investment product which we strongly disagree with.
Our research desk rolls out a quarterly white list of funds across categories. The fund selection criteria are multiple. Some of our evaluation parameters include long term performance track records, fund manager competence, expense ratio, top holdings, medium term tactical strategy, risk controls employed by the fund house, and CRISIL rating. With FinEdge, you can rest assured knowing that your money is going into nothing short of the gold standard of mutual fund investments.
In the unlikely event that somebody from our service desk hasn't already got in touch with you to put into effect a speedy resolution, all you need to do is inform us by emailing email@example.com or calling us on +91 124 6619500, Monday to Saturday between 9-30 am and 6-30 pm.
Yes, we would be delighted to assist you with an end to end evaluation of your existing investments, without any charges. In fact – we consider this to be an essential activity, so that we can form a more holistic picture of your portfolio rather than give you advice in a piecemeal manner.
Will my Financial Advisor at FinEdge only be advising me on my Mutual Funds, or on my overall finances ?
Your Financial Advisor is a qualified expert with well-rounded knowledge of all investment products, including newly launched schemes. She will therefore be able to guide you on all aspects of your personal finances (barring taxation, which is a specialized role that needs to be fulfilled by a Chartered Accountant). However, this advice will be fiduciary in nature and we will not be assisting you in the purchase of any investment products other than mutual funds.


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It was the only sheet music I remember seeing on my grandparent's organ – "Body and Soul." It didn't seem strange then, this large instrument. When I think of it now, they were probably the only farmers in the area to have an organ in their living room.
They bought it for my Aunt Sandy. She was the youngest of nine, this Dairy Princess, and when she asked for something, she usually got it. So there was an organ in their living room. I never heard her play it. Nor anyone else – not seriously. Most of us thought of it like a big toy. One cousin would crawl underneath the bench and play the foot pedals by hand, while another cousin or two pressed the keys with as much flare as previously seen on the Lawrence Welk Show — something that also seemed to be on continuously in my grandparent's living room.
My Aunt Sandy has passed. I don't know where the organ ended up. But the song lives on. I heard it this morning, on the radio, in France. Body and Soul.
We are scattered — those of us that began on this farm — scattered by jobs, and hopes and dreams, scattered by loves and heartbreaks and loves again. Bit by bit, we puzzle together the pieces of our own lives, string together the notes of our own songs. And it takes a long time — a long time to build a soul.
I thought, when I was young, with fingers glued against the keys, that we would be given all the answers. And that would be that. But we, like everyone I suppose, were not given the answers, but options. And somewhere between field and keyboard, I suppose, we made our way.
The song fills my heart this morning. Along with the coffee. The conversation above the tune. Joyfully, not complete, but beginning. Again. What a pleasure it is to begin. The sun comes through the window, and another piece of my soul fits together.
The music never ends.


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This page shows the latest WuXi AppTec news and features for those working in and with pharma, biotech and healthcare.
including BeiGene and WuXi AppTec, after changing regulations to allow companies without revenues or profits to list on the HKEX.
Other investments by AZ in China - now the second-largest pharma market in the world at around $108bn last year - include a strategic alliance with contract research and manufacturing firm WuXi ... AppTec. The decision to invest in the country has
This week it agreed a strategic alliance with WuXi Apptec in China and agreed to buy Takeda's respiratory portfolio.
The deal with Chinese contract research and manufacturing firm WuXi AppTec extends an ongoing biologics R&D collaboration between the two companies focused on inflammatory bowel disease candidate MEDI5117, and includes ... an option to buy a
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Established in December 2000, WuXi AppTec is a leading global pharmaceutical, biopharmaceutical, and medical device outsourcing company with operations in China and the United States. ... As a research-driven and customer-focused company, WuXi AppTec
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CSafe Global is the only global provider of a full line of cold chain solutions and is the world's largest...


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Division of Wildlife Conservation (DWC) Publication Details
Interior sheep studies
- Reference: Heimer, W. E. 1975. Interior sheep studies. Alaska Department of Fish and Game, Division of Game, Final Report 1 July 1974-30 June 1975, Federal Aid in Wildlife Restoration Project W-17-7, Job 6.8R, and Project Progress Report 1 July 1974-30 June 1975, Project W-17-7, Jobs 6.9R, 6.10R, and 6.11R, Juneau.
- Audiences: Wildlife Manager
- Authors: Wayne E. Heimer
- Funding Sources: FWS-WR
- Grants:
- GMUs or Areas: 12, 20
- Keywords: Dall sheep, Ovis dalli, Tok, population dynamics, wintering
- Link: http://www.adfg.alaska.gov/static/home/library/pdfs/wildlife/federal_aid/interior_sheep_studies_final_report_federal_aid_wildlife_restoration_project.pdf (PDF)
- Partners: Federal Aid-Wildlife Restoration Program
- Primary Authors: Wayne E. Heimer
- Programs: Wildlife Research
- Project Numbers: 6.9R, W-17-7, 6.10R, 6.11R, 6.8R
- Publication Types: Wildlife Research Report, Grant Report
- Regions: Region III - Interior and Northeastern Alaska, Statewide
- Species: Dall Sheep
- Species Categories: Big Game, Mammals
- Title: Interior sheep studies
- Topics: Habitat, Wildlife Management, Distribution and Movements (including Migration), Population Abundance and Trends (Survey Inventory), Research, Population Composition and Demographics, Vital Rates
- Year: 1975
See more: Wildlife Publications


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Kamakura is just an hour or so train ride from Tokyo, making it a popular day-trip destination for tourists. Kamakura has an ancient and important history, its nature is rich and plentiful, and along with its many shrines and temples it is truly a treasure trove of power spots. A bonus is that Kamakura has many nostalgic, traditional-house style cafes, allowing you the chance to relax and enjoy local Kamakura gourmet while visiting the power spots.
We'll introduce a selection of 7 recommended shrines and temples that are especially worth visiting, including popular power spots which you can access using the scenic, coastal Enoden train line which runs between Kamakura and Fujisawa.
[Relationship] Tsuruogaoka Hachimangu Shrine
Tsurugaoka Hachimangu Shrine is the most importante prime shrine in Kamakura, and its precincts are designated as national historic sites. There is a lesser known stone romance power spot known as "Masako Ishi" a.k.a Hime Ishi/Princess Stones. This is located on Genji Pond, on the right-hand side after passing through the torii gates in front of the shrine. The two stones behind the Hataage Benzaiten Shrine which stands on the pond's small island are the Masako Ishi stones. These are considered to be prayer stones for fulfilling romance, marriage, and childhood, and the site actually has links back to ancient events in Kamakura.
* Access
10 minutes on foot from JR Kamakura Station East Exit
10 minutes on foot from Enoden Kamakura Station
Tsurugaoka Hachimagu
Hataage Benzaiten Shrine
Hidden sacred Masako Ishii stones for romance power spot
View All
- Tsurugaoka Hachimangu
4.01615 Reviews
- Kanagawa Pref. Kamakurashi Yukinoshita 2-1-31
- 0467220315
- 6:00-20:30(21:00Gates shut )
[Relationship] Kuzuharaoka Shrine
Kuzuharaoka Shrine is a popular power spot for matchmaking compared to others in Kamakura. It enshrines Toshimoto Hino who served Emperor Godaigo.
To reach this shrine on the hillside of Mt. Genji, you'll need to hike up a long slope.
When you visit the shrine, make sure to ward off your bad luck by taking a small clay plate and think of the bad memories/things you want to take away from your life and smash the plate against the stone called Masaru-Ishi next to the torii gate.
You can also purchase 5 yen coin charm with a red thread from the shrine office, which is used to seek your love fortune from the pair of Enmusubi Stones in the shrine. There is a male stone and female stone, and you tie your coin charm to the stone representing the opposite gender in hope of finding your true love.
* Access
35 minutes on foot from JR Kamakura Station West Exit
Long slope up to Kuzuharaoka Shrine
Beautiful scenary from the parking lot of Kuzuharaoka Shrine
Kuzuhara Shrine
Enmusubi Stones Female Stone (Left) Male Stone (Right)
[Relationship] Sasuke Inari Shrine
This shrine contains an eleven faced Bodhisattva statue, which is said to have been carved by a beautiful princess who was not blessed with good match in the hope to wish couple's successful romance.
The eleven faced Bodhisattva statue itself is enshrined year round but only present to the public once a year
The shrine is close to Kuzuharaoka shrine and Zeniarai Benten, and it is recommended to visit all three of these major power spots in Kamakura when you are in the area.
* Access
About 20 minutes on foot from JR Kamakura Station
Torii gate to Sasuke Inari Shrine
Eleven faced Bodhisattva statue is enshrined here
Charm for good relationship (romance) sold at Sasuke Inari Shrine
View All
- Sasuke Inari Shrine
4.0156 Reviews
- Kanagawa Pref. Kamakurashi Sasuke 2-22-12
- 0467224711
- [1/1-1/3] 9:00-18:00 [1/4/1…
[Relationship] Hongakuji Temple
Hongakuji Temple is said to have been built by Minamoto no Yoritomo (first shogun of the Kamakura Shogunate)to protect and bring fortune to the Kamakura area. It is about 10 minute walking distance from Kamakura Station, and the precincts are relatively small and compact compared to other places wishing for the fulfillment of love.
This temple is famous for its unique lucky charms called "Nigiri-fuku", which is said to make your wish come true if you grasp it every day. It comes in 5 different types from love, health, wealth, study and fortune. These charms are tiny, about 2cm and because its handmade, every faces drawn are different.
* Access
5 minutes on foot from JR Kamakura Station East Exit
Hongakuji Temple
"Nigiri-fuku" lucky charms
View All
- Hongaku-ji Temple
3.537 Reviews
- Kanagawa Pref. Kamakurashi Komachi 1-12-12
- 0467220490
- [Temple office] 9:00-16:00
[Relationship]Hasedera Temple
Hasedera Temple, also known as Hydrangea Temple, has its own matchmaking spot known as "Ryoen Jizo" (a set of three Buddhist statues), which has actually become known via word of mouth. It is claimed that if you find all three sets of these "good match" statues within the temple's grounds, you will be blessed with your own perfect match in love.
* Access
5 minutes on foot from Enoden Hase Station
Hasedera Temple
Hasedera Temple
"Ryoen Jizo" three Buddhist statues blessing you with perfect match in love
View All
- Hasedera Temple
4.51733 Reviews
- Kanagawa Pref. Kamakurashi Hase 3-11-2
- 0467226300
- 8:00-17:00[Oct.-Feb.]8:00-16…
[Relationship] Hōkoku-ji Temple
The temple stands on the outskirts of Kamakura with beautiful bamboo grove making it one of a kind. Not only bamboo, but you can feel the Zen air with enchanted feelings surrounded by moss covered stones and bloom of flowers on jasmine and cherry trees depending on the season.
Couples who visit Hōkoku-ji Temple often get married and thus it is known as a famous power spot for marriage.
* Access
30 minutes on foot from JR Kamakura Station
Hokoku-ji Temple
Bamboo grove at Hokoku-ji Temple
View All
- Hōkokuji Temple
4.5706 Reviews
- Kanagawa Pref. Kamakurashi Joumyouji 2-7-4
- 0467220762
- 9:00-16:00
[Seperation] Tokeiji Temple
In the times where women weren't allowed to divorce on their will, Tokeiji Temple was the last hope for women seeking refuge from abusive husbands and mothers-in-law to help them claim divorce. With this background, those who seek divorce, those who have trouble with their partners, those who want to start something new and those who want to start new romance visit this temple.
4 minutes on foot from JR Kita-Kamakura Station
Tokeiji Temple (a.k.a "divorce" temple)


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Video Library
Introducing the 7234 Amplifier
Other Videos
Low Noise Gradient Amps in LF MRI
Function of the IOC Circuit
Ground Loops (Part 1)
Ground Loops (Part 2)
8504 DIP Switch Options
8504 Unbox and Connect
Introducing the 8500 Series
Want to discuss a product or application?
Our knowledgeable sales and support staff can help find the right system for your needs.
We're the audio-bandwidth experts.


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Training Fundamentals Of Protection Practice And Basic Technology
Training Industrial Power System Protection
Construction of generation plants, transmission and distribution of electrical energy systems is a costly business. At both levels of national grid systems and local industrial plants, two important aspects are at the heart of this strategic industry. These are the reliability of energy delivery to meet customers' demands and safe operation. At different stages of energy processing i.e. at the generation, transmission and energy delivery stage, protection of personnel and equipment is of prime importance. To achieve these goals, protection schemes are to be employed. The philosophy adopted in any protection scheme is to clear faults with a minimum system disruption, at a high speed, and in a simple and economical way. The course deals with different types of protection schemes used in large networks and those adopted in industrial plants. It describes some of the important components such as relays, comparators and other protective gears, and techniques and calculations used for their settings. The course also reflects on recent development and what are new in this important field of electricity industry.
The following sees the benefits from this course:
1.On organizational level
•It introduces the subject of protection as an art where technical and economical constraints are to be met and compromised to achieve certain engineering requirements.
•Learn to develop and manage well-protected plants that lead to a higher security, less outages and hence better profitability.
•The course introduces new technologies used in relaying systems such as microprocessor and computer relaying which put organizations at the forefront of modern electricity industries.
•Helps organizations in making appropriate decisions at times of system expansion or in situations where new developments become necessary.
•Help organizations to understand causes of system failures, means available for remedies and hence better system management and operation with minimum investment.
2.Personal Impact
•Introduces and acquaints attendees with different components used in protection schemes.
•Ability to perform some basic essential calculations required for relay settings.
•Establishes confidence in dealing with protection schemes installed for protecting personnel equipment to grantee flow of energy.
•Learn how to assess protection performance.
•Add knowledge on how to improve security level by designing better protection systems with aim to improve performance.
•Learn about error sources introduced by some protection scheme components and how to overcome them.
Course Content
1.Fundamentals of Protection Practice and Basic Technology
•Protective Gear.
•Speed,Stability and Sensitivity
•Circuit quantities & conventions
•Fault calculations
2.CTs Requirements
•Error in CTs and compensation
•Accuracy limit current of CTs
•Class X CTs and linear CTs
•Transients in CTs
•Practical conditions
3.Static Relays
•Circuits using analogue techniques
•Digital techniques
•Output and Tripping circuits
•Electrical Interference
•Future trends
4.Protection Schemes and substation design diagrams
•Generator protection
•Motor protection
•Transformer protection
•Line Protection
•Substation Design Diagrams
5.Differential protection
•Classification of differential protection
•Direction comparison
•Circulating current and balanced voltage systems
•Transformer differential protection
•Differential protection for generators and rotating machines
•Line differential protection
•Busbar-differential protection
•Differential system with multiple restraint
•High impedance differential system
6.Industrial Power System Protection
•Busbar arrangement
•HRC fuses
•Industrial circuit-breakers
•Infeed fault current from induction motor
•Automatic changeover systems
•Voltage and phase reversal protection
•Private generation
7.Installation, testing and maintenance of protection systems
•Installation of protection equipment
•Testing protection schemes.
•Pre-commissioning tests,
•Installation resistance measurements
•Secondary injection tests
•C.Ts tests
•Periodic maintenance
•Setting and testing numerical protection
Ir.Bledug Kusuma Prasaja,M.T
Jadwal Pelatihan trainingterbaru Tahun 2023 :
- Batch 1 : 24 – 26 Januari 2023
- Batch 2 : 14 – 16 Februari 2023
- Batch 3 : 20 – 23 Maret 2023
- Batch 4 : 4 – 6 April 2023
- Batch 5 : 15 – 17 Mei 2023
- Batch 6 : 26-28 Juni 2023
- Batch 7 : 17 – 19 Juli 2023
- Batch 8 : 14 – 16 Agustus 2023
- Batch 9 : 25 – 27 September 2023
- Batch 10 : 10 – 12 Oktober 2023
- Batch 11 : 7 – 9 November 2023
- Batch 12 : 5 – 7 Desember 2023
Catatan : Jadwal dapat menyesuaikan dengan kebutuhan anda dengan catatan kuota peserta minimum 2 (dua) peserta terpenuhi. training accounting, taxation and auditing at coal for oil and gas industry terupdate
Biaya dan Lokasi Pelatihan : training accounting, taxation and auditing at coal for oil and gas industry terupdate
Lokasi : training akuntansi untuk migas terbaru
- Jakarta : Hotel Amaris Kemang, Amaris Tendean,Trinity Hotel, Ibis Budget.
- Bandung: Hotel Santika, Hay Hotel,Ibis Style, Novotel Hotel, Golden Flower Hotel, 1O1 Hotel, Grand Tjokro Hotel, Tune Hotel, Four Point by Sheraton Hotel.
- Yogyakarta : Hotel NEO+ Awana, Cordela Hotel,Ibis Style, Boutique Hotel, Cavinton Hotel, Mutiara Hotel, Dafam Malioboro Hotel, Prima Inn Hotel .
- Surabaya: Novotel Hotel, Ibis Center Hotel, HARRIS Hotel, Favehotel, Alana Hotel .
- Malang: Amaris Hotel, The 1O1 Hotel, Ibis Style Hotel, El Hotel, Whiz Prime Hotel .
- Bali : Ibis Kuta, Fontana Hotel, HARRIS Hotel & Conventions .
- Lombok: Favehotel, Novotel Lombok, D Praya Hotel .
Catatan : Biaya diatas belum termasuk akomodasi/penginapan. training akuntansi pertambangan umum terupdate
Investasi Pelatihan Training Terbaru : training akuntansi untuk migas mura
- Investasi pelatihan selama tiga hari tersebut menyesuaikan dengan jumlah peserta (on call). *Please feel free to contact us.
- Apabila perusahaan membutuhkan paket in house training, anggaran investasi pelatihan dapat menyesuaikan dengan anggaran perusahaan.
Fasilitas Pelatihan Training Terbaru :
- FREE Airport pickup service (Gratis Antar jemput Hotel/Bandara)
- FREE Akomodasi Peserta ke tempat pelatihan .
- Module / Handout
- FREE Flashdisk .
- Sertifikat
- FREE Bag or bagpackers (Tas Training) .
- Training Kit (Dokumentasi photo, Blocknote, ATK, etc)
- 2xCoffe Break & 1 Lunch, Dinner.
- Souvenir .


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Let's take a look at the benefits of why your small business should sign up for Google My Business today.
First, it's totally free. That's right, it's free advertising for your business when someone searches for your business or businesses like yours. This is super key. Let's run a test together, go to Google and search for coffee. What happened? Well, if your search was anything like mine you have at least one local coffee business listed (note: I added Portland after my query so you can't see where I live). This is a free local list advertising your business, your competitors business, or both.
That's the gist! if you're not on Google My Business yet you should be and if you need assistance setting up your profile, maintaining your listing, or just have questions about this post please get in touch, we're here to help.


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Yamato DNE-911 Constant Temp Forced Convection Oven 19.1 cu. ft. 220V
*The Yamato DNE910 oven has been discontinued and upgraded to the Yamato DNE-911 oven.
Manufacturer: Yamato Scientific America
Model: DNE911
Condition: New. Ships directly from the manufacturer.
Guarantee: Yamato's 15 Day Money Back Guarantee
Warranty:1 Year manufacturers warranty
Estimated lead time: In stock: Typically ships in 5 business days from acceptance of order. Out of stock: Ships in 3 months.
- DNE-911 Constant Temp Forced Convection Oven 19.1 cu. ft. 220V
- Equipped with a simple key input system and a multi-functional controller.
- 8 Shelves included
- 16 shelf brackets (2 pairs are fixed)
- Temperature Range: RT+15°C to 210°C
- Temperature Control Accuracy: 2C [at 210C]
- Internal Capacity: 19.1cu. ft. [540 L]
- Max. Temp. Reaching Time: Approx. 60 min.
- Chamber / Exterior: Stainless steel / Chrome-free electro-galvanized steel plate, chemical-proof baked-on finish
- Glass wool insulating material
- Stainless pipe heater [1.5 kWx2]
- Scirocco Fan/Capacitor motor
- Temp. controller: PID control by microprocessor
- Digital Temp. Setting
- Digital Temp. Display by Orange LED [4 digit]
- Timer:0 min. to 999 hrs., /1 min.
- Cable hole/Air in-take hole: 30mmI.D. [the right side] each 1pc.
- Exhaust port: 30 mm I.D.x 2 [the back]
- Internal Dimensions [mm]:1,090 W x 500 D x 1,000 H
High-performance, energy-saving, programmable constant temperature, forced convection ovens.The DNE series represents forced convection constant temperature oven. They achieve an energy-saving rate of 30 to 40% compared to previous models.16-segment programming is possible. Safety functions including self-diagnostic function are enriched. Functions are expanded with a wind-velocity changing device, an external communication device, a temperature output terminal etc. Possible to place the models 401/411 and 601/611 in piles, one over the other.


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The recently announced partnership brings together the expertise of Intivix and PC Miracles under the ITS umbrella, to provide outsourced network management and maintenance to its broad client base. The merger expands the MSP solutions on offer at all three partnership locations, increasing value for customers and providing round-the-clock support.
More details can be found at https://www.itsasap.com/intivix-pcm-partnerships
The announcement outlines the expanded enterprise-grade technology solutions now available to ITS clients, helping businesses of all sizes reduce costs while increasing productivity. The combined talents of ITS, Intivix, and PC Miracles' engineering teams offer a full suite of robust IT management services, covering everything from cybersecurity to cloud hosting.
Data from ConnectWise reveals there are currently 40,000 MSPs in operation in the US. The sector has witnessed steady growth in recent years with forecasts suggesting this is likely to continue. With businesses in multiple industries increasingly reliant on digital services, outsourcing IT management reduces overhead costs and wage bills while improving the quality of technology solutions.
Representatives from all three companies stress that while the integration of services will take time to complete, all these changes will not affect the continuity and quality of current deliverables. Updates and expansions to the partners' offerings will take place on the back end, augmenting existing provisions with cutting-edge automation and watertight security.
ITS will be incorporating the best parts of each company and rolling these services out for all clients. This includes PC Miracles' flagship vCIO and network compliance, which is being duplicated and implemented across ITS. The union allows clients to continue working with the same teams and contacts but with a broader infrastructure and deeper level of expertise across all departments.
The MSP will provide technical support 24 hours a day, seven days a week with a proactive management approach that identifies issues before they become more serious and costly problems. Clients should expect an enhanced focus on cloud computing to make remote working more secure and easier to manage, helping clients overhaul their work environments.
ITS CEO Tom Andrulis says, "Our clients can expect us to strengthen the locations we already have. We're bringing in more talent. We're expanding in a few more locations that are close to the existing locations we already have."
Interested parties can find out more by visiting https://www.itsasap.com/intivix-pcm-partnerships
Intelligent Technical Solutions
2880 Meade Ave #350
United States
Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Study Champ journalist was involved in the writing and production of this article.


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Crematory – Unbroken (Napalm)Monday, 9th March 2020
What is there to be said at this point about the German gothic act Crematory? With almost 30 years slugging it out and now fifteen albums into their career, the band should be on most people's radar already – though admittedly this style of metal seems to be much bigger in Europe than here in the States. This far in, don't expect a brand new band with Unbroken; it's more of what Crematory has made into their bread and butter.
This comes into fruition immediately with the title track. Pounding electronic/industrial rhythms alongside sludgy guitar riffs as the lyrics are meant to be a testament to the band and its fans. While these lyrics can feel a little hokey, one can still tell it's a genuine sentiment. From there, it's an everchanging proportion that includes the sleek gothic hooks, electronic bounce, and more metallic flair. The tracks, with 15 in all, manage to keep things varied – Felix's gruff snarls and Connie's clean vocals being a solid centerpiece in songs like the energetic "Awaits Me" and more melancholic "Inside My Heart." Other heavier cuts like "The Downfall," which swing more on the metal side of the fence offer enough brutality while still sneaking in some more industrial beats to keep the slurry mixed, while the darkness permeates more electronically enhanced numbers like "Broken Heroes" to keep the band's sound aligned with similar elements.
No one is expecting earth-rattling changes with an album like Unbroken. Crematory have carved out their path of gothic/industrial/metal and continue to be a dominating force in that particular market. Unbroken instead offers plenty of reasons why the band has been able to sustain themselves for such an extended period with their keen ear for melody and electro-metal fusion. You either dig it, or you don't.


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As of 1 January 2021, the EU and the UK form two separate markets and distinct regulatory and legal spaces [i] albeit with preferential arrangements in areas such as trade in goods and in services on-line and off that will ensure that rights of consumers are respected [ii].
The European Consumer Centre Ireland continues to assist Irish consumers with complaints against UK traders after 1 January 2021.
In the following we look at the new regulatory changes for EU-UK trade, including consumer transactions, as well as the governing consumer rights and available redress options for Irish consumers who shop with UK traders in person and online going forward.
With respect to EU-UK trade, as a general rule, no tariffs apply to goods exported out of the UK, certified to be of UK origin, and accompanied by a customs declaration or goods exported to the UK from the EU which are certified to be of EU origin. The new rules apply provisionally until 28 February 2021 and will change further from 1 July 2021. [iii] Read the Irish Government's Brexit guidance for consumers here.
From 1 January 2021, if you shop directly from the UK (excluding Northern Ireland) and your order is shipped from the UK, additional costs will apply. [iv] EU rules will continue to apply to cross-border transactions that started before 1 January 2021. If you shop from Ireland on UK websites/brands that have a registered base in Ireland, and you buy from that Irish company or your purchase is delivered from a base elsewhere in the European Union, no additional costs will apply to purchases.
When buying goods and services anywhere in the EU Irish consumers have clear rights when it comes to: contract information, pricing and payments, VAT – Value Added Tax, shipping and delivery, guarantees and returns. These consumers rights will remain unchanged when a purchase is made in/from a UK shop/brand which has a registered presence in Ireland.
The BREXIT deal commits the UK and the EU to maintaining existing EU-type consumer protections on a mutual basis. As a general rule, EU consumer rules cover goods and services that have been bought in the EU, including when you have purchased from a non-EU (now including UK) online trader who has specifically targeted EU consumers. From 1 January 2021, however, if you shop directly from the UK (excluding Northern Ireland) the applicable consumer rights will be set down in UK law, which is similar to and based on EU law.[v]
If you make a purchase from a UK trader with a registered presence in Ireland, your redress options and any request for repair, replacement, or refund remain unchanged. Complaints against UK brands with a retail presence in Ireland should be forwarded to Competition and Consumer Protection Commission here. If you return a purchase to the seller in the UK, Revenue has detailed how you can claim back the taxes here.
Consumers based in the Republic of Ireland who have a purchase dispute with a trader based in the United Kingdom (including Northern Ireland) can seek assistance from the European Consumer Centre Ireland, which in 2021 works in collaboration with the Consumer Centre UK to facilitate resolution for disputes ongoing at 31 December 2020 and new complaints arising until the end of 2021.
If the trader based in the UK or outside the EU/EEA marketed goods in the country where you live and your transaction with them resulted in a dispute, initiating legal action through the Irish court system is also a possibility.In practice, however, asserting your consumer rights with a trader who is based outside the EU may prove difficult. We advise consumers to seek legal advice before commencing any cross-border proceedings against a trader established outside the EU.
The most convenient redress option in cases of non-delivery of a non-EU/UK purchase remains a request for chargeback through your bank. Redress options no longer available to EU consumers in respect to UK traders are: the European Smalls Claims Court and the Online Dispute Resolution procedure and platform.
In the field of transport, the EU-UK cooperation agreement provides for continued and sustainable air, road, rail and maritime connectivity and calls for measures to protect basic passenger rights, such as access to information, special measures for disability and reduced mobility, reimbursement and compensation, and handling of complaints.
As of 1 January 2021, when the UK became a third (non-EU) country, EU air passenger rights will continue to apply to:
flights operated from the UK to the EU by an EU airline, and
flights operated from the EU to the UK
flights departing from non-EU countries that arrive on EU airports and are operated by EU-licensed carriers
The right to assistance by air carriers (meals, refreshments, accommodation) continues to apply to air passengers departing from an UK airport and arriving into an EU airport, if the flight is operated by an EU airline.
EU air passenger rights will no longer apply to UK-operated flights from the UK to the EU, unless the operating UK aircarrier of the flight concerned has an operating licence granted by an EU Member State.
EU law granting specific rights for disabled persons and persons with reduced mobility will no longer apply to commercial passenger air services that depart from / transit through / arrive at an airport in the United Kingdom.
From 1 January 2021, EU law on ship passenger rights continues to apply where the port of embarkation is in the EU or in the United Kingdom, provided that the port of disembarkation is in the EU and the service is operated by a carrier established within the territory of a Member State or offering passenger transport services to or from an EU Member State.
EU law on bus/coach passenger rights continues to apply to passengers travelling with regular services of 250km+ to/from the United Kingdom where the boarding or the alighting point is in the EU.
EU law on rail passengers' rights continues to apply to services within the European Union, provided that the railway operator is licensed in the EU.
Ireland-UK updates on rail, maritime and coach/bus rights with respect to travel to/from/within the UK will be updated by the National Transport Authority, when finalised, here.
PACKAGE HOLIDAYS and LINKED TRAVEL ARRANGEMENTS
EU consumer protections apply to a package holiday bought from / booked with a UK-based travel agency / tour operator only if that particular package was marketed to consumers in Ireland. All other packages are governed by UK law, which can be accessed here.
Independent holiday individual services purchased from operators outside the EU will continue to be governed by the Terms & Conditions specified in the contracts, which also details the applicable jurisdiction law.
EU mobile data and calls roaming rules will change in the UK and further updates will available from the Commission for Communications Regulation here. Nevertheless, mobile operators may not apply additional charges – check your mobile service provider's updates.


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In the range of 300 to 900, a credit score is a three-digit number which determines an individual's creditworthiness. It is a quantified creditworthiness assessment focused on an individual's financial records. It means the financial status of banks and non-banking institutions based on the repayment history of credit cards, loans, etc. A credit score helps to gauge an individual's repayment potential. It plays a critical role in the decision of a lender to give credit.
The Credit Score reflects an individual's repayment potential. It lies between 300 and 900, the higher the credit score, the greater the chances of borrowing. In addition, a higher credit score allows a person to negotiate the terms and conditions of the loans. The bank's credit score range is as follows:
- Under 550: If the credit score is in this range, then it means that the person has failed to make many payments. Individuals have very low to no chances of gaining new credit under this category.
- 550 – 649: If the credit score is hanging under this category, then an average or fair credit score is named. To enhance their credit score, individuals will still be needed.
- 650 – 749: Under this category, the credit score is known as a good credit score, and credit would be available to a person. He would not be able, however, to discuss the terms and conditions of the loans.
- 750 – 900: When it comes to credit, a credit score in the range of 750 and 900 means a borrower is financially responsible. Much of his payments are made on time, including loans, credit cards, electricity, and rental fees. Banks will be prepared to offer loans at lower rates to borrowers in this group, and the borrower will also have the power to negotiate the terms and conditions of the loan.
Credit bureaus such as TransUnion CIBIL, Experian, CRIF High Mark and Equifax consolidate individuals' past credit history and repayment actions and provide lenders with a detailed ranking from the credit bureau.
The credit score is influenced by several variables. Some of those that are popular are:
- Repayment history: One of the most significant components of the credit score is repayment history. All payments made on credit card bills and loans are tracked by the credit bureau. If a person pays the credit card bills and EMIs on time, then it implies that the person is a responsible borrower. Timely payment of dues has a favourable effect on the credit score. In EMI payments, a single default leads to a decrease of about 30-40 points.
- Credit utilization: By dividing the total credit by the person divided by the absolute limits of the credit cards, credit usage is estimated. For most consumers, below 30 percent credit utilisation is considered better, and the lower the better for your score.
- Credit history age: The length of credit includes the age of the oldest loan, the age of the new loan, and the average age of all loans. Typically, the longer the history of credit, the better it is.
- Credit mix: The credit score is influenced by a combination of various forms of credit, such as credit cards, retail accounts, instalments, mortgages, cars, or home loans. Different types of credit options illustrate that several types of credit are encountered by the customer. In addition, it also takes into account the total accounts individuals have.
- Credit inquiries: When applying for a new line of credit, banks and financial institutions check a customer's credit report. A record of this, known as an investigation, remains on the credit reports. Soft inquiries, such as those that come from testing one's own credit score and some pre-qualification of loans or credit cards, do not harm the scores of customers. Hard inquiries, meaning that a bank or borrower checks the credit before making a lending decision, will harm the scores, even though the credit card or loan is not approved by a person. But a single hard investigation would always have a little effect and within a few months the scores could recover, or even increase.
India's four major credit information companies are:
- TransUnion CIBIL™: This is the oldest Credit Bureau that began business back in 2000. CIBILTM is the oldest, with around 2500 members subscribing to its programmes. CIBILTM also offers credit scoring for commercial institutions and micro finance institutions, in addition to retail / individual credit scoring. Furthermore, CIBILTM also offers services including analytics, consultancy, fraud, collections and portfolio management.
- Equifax: Equifax, based in Atlanta, USA, is the world's oldest credit bureau. In addition to the US, it offers credit information services across several countries. It started operations in India in 2010 and has been providing credit scoring to individuals and commercial institutions since then. It also provides companies with value-added services linked to debt management and customer acquisition.
- Experian: This credit information company is based in Dublin, Ireland and provides businesses in 37 countries, including India, with credit information and other analytical services. For the 4th consecutive year, Experian also has the distinction of being named "The World's Most Innovative Businesses" by Forbes magazine. In the year 2010, it started operations in India. As with other credit bureaus, Experian not only provides individuals with credit ratings, but also expands its services to other fields, such as analytics and other business decision-making services.
CRIF High Mark: In 2011, High Mark began its operations as a start-up credit bureau with Dr. Anil Pandya's vision of being the most comprehensive and inclusive credit bureau in India. CRIF, a global Credit Information Service that christened the credit bureau as CRIF High Mark, subsequently took a major stake in the company. In India, CRIF is the pioneer in establishing a Microfinance Bureau database, which now is world's largest Microfinance Bureau Database.


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Thursday's Child (Paperback)
A thrilling, classic children's adventure with a courageous heroine, from the beloved author of Ballet Shoes.
Margaret Thursday was named after the day she was found on the church steps as a baby. But she isn't really an orphan - each year a bag of gold coins is left at the church for her keep. However, when Margaret is eleven years old, the money suddenly stops and her guardians have no choice but to send her away to an orphanage.
The orphanage is worse than they could have imagined. The children are poorly treated and barely fed, and fearless Margaret soon makes herself the enemy of the evil matron who runs it. Vowing to protect her new friends, Peter and Horatio, Margaret plans their daring escape . . . but she'll have to outwit Matron at every turn.
Margaret's action-packed adventure, set in turn-of-the-century England, takes her from orphanage to canal boat to the world of the theatre. Through it all, Margaret is propelled by her unwavering sense of self and determination.
About the Author
Noel Streatfeild, the plain middle child between two talented and pretty sisters, trained at RADA and acted for nine years before writing Ballet Shoes, an instant bestseller, in 1936. As vicarage daughter, factory girl, actress, model, social worker, writer, and crusader for good books, Noel touched many aspects of life. Her experiences enriched her stories, which were so popular that, by her eightieth birthday, she had earned herself the title of 'a national monument'. She died in 1986.
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