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Slipping Through Cracks: The "Forgotten Refugees" in Lebanon
The story of refuge, asylum-seeking, and migration in Lebanon is often told through the trials and tribulations of Syrians and Palestinians. This focus is understandable, given that the two communities collectively make up about a third of Lebanon's total population, have immense needs, and have an intimately interwoven and complicated history with Lebanon. Yet the story of refuge in Lebanon, which hosts the largest number of refugees per capita worldwide, also includes Iraqi, Yemeni, Sudanese, and Somali communities.
Understanding the experiences of these "forgotten refugees" reveals significant shortcomings in providing either immediate or sustainable solutions for vulnerable people in desperate need with the current systems in place.
Understanding the experiences of these "forgotten refugees" reveals significant shortcomings in providing either immediate or sustainable solutions for vulnerable people in desperate need with the current systems in place.
The Sudanese Community
Of the four communities, the Sudanese are the most organized and have waged a public struggle against national and international institutions over the past decade. According to UNHCR figures, last updated in 2020, there are 2,263 Sudanese nationals registered in Lebanon (633 designated as refugees, 1,603 as asylum-seekers, and 5 as "others of concern"). They began arriving in Lebanon in the late 1990s, entering in punctuated intervals matching periods of instability and war in Sudan.
The story of Safa, a 21-year-old Sudanese woman born in Lebanon, tells of the difficulties the community faces. Safa's parents arrived in Lebanon in the late 1990s, and had their case files opened by the UNHCR office in Beirut in 2000, the year Safa was born. A few years later, both of their files were inexplicably closed. In 2013, desperate to register their children so they can get an education, Safa's parents, along with many members of the Sudanese community, started protesting in front of the UNHCR offices. The public pressure seems to have worked. The case files of Safa's mother's were reopened in 2013, and her and the children were formally registered as refugees in October 2015. Her father's case file, however, remains closed.
Being recognized as refugees enabled the family to enroll their daughters in school and receive modest financial support, around L.L. 100,000 per month, but this was insufficient. Safa's mother was ill, and aid agencies offered no support; she died only a month after being registered. With financial aid having ceased altogether in early 2021, the family feels very insecure about their future and bitter about their past.
According to the UNHCR's Procedural Standards for Refugee Status Determination (RSD), there are specific guidelines for case closure or reopening, dictated by an individual and their needs. While the guidelines may seem clear at face value, there are technicalities and subtleties that pose dilemmas for Safa and her family, such as her father being excluded for not fitting certain conditions as an individual regardless of the needs of the family.
"My life in Lebanon is bad, especially with everything that is happening today," said Safa. "I have no future here, we're constantly facing racism. We can't return to Sudan because we have absolutely nothing there and there would be no future for us. The fact that my father isn't registered and has no residency papers means there is a real possibility of our family being separated. What are we going to do if that happens?"
Safa also pointed out that there are members of the Sudanese community in Lebanon who are survivors of the Darfur genocide but also facing similar issues, despite fitting what is commonly understood as the profile of refugee. "We are all refugees," Safa said, her voice cracking with emotion, "[Being a refugee] should not be separated by nationality, or be arbitrary, or [in]consistent. We all deserve our rights."
The case of Mubarak, a Sudanese political activist, also sheds light on the severe difficulties the community faces in Lebanon. Mubarak, who was already deported in 2016 from Lebanon to Sudan — where subsequently he was disappeared and tortured — was able to escape and return to Lebanon, and is now facing a second deportation that could potentially be fatal.
The Iraqi Community
According to the UNHCR database, by mid-2020, 4,392 Iraqis were registered as refugees, 8,249 as asylum-seekers, and 5 as "others of concern," making them the largest community among the "forgotten refugees."
Since the Iran-Iraq war of the 1980s, and especially after the 1991 Gulf War and the sanctions on Saddam Hussein's regime that took a far greater toll on the general population, Iraqis have arrived in Lebanon for two primary reasons: access to medical services and as a corridor to settle elsewhere. The 2003 Anglo-American invasion and occupation of Iraq was a watershed event, especially between 2006 and 2009, when 50,000 Iraqi refugees were registered in Lebanon, though the Ministry of Interior placed the count closer to 100,000. In 2010, the number of Iraqi refugees dropped dramatically, to 7,630 refugees and 648 asylum-seekers. Between 2014 and 2018, as the Islamic State of Iraq and Syria conquered large swaths of northern and western Iraq, Iraqi asylum-seekers in Lebanon rose to 12,000, most of whom were Shia or Christian.
In contrast to Sudanese, Yemenis, and Somalis, Iraqi refugees have had greater visibility in Lebanon, although not consistently so, and hinging on whether the Iraqi conflict was in the spotlight at any given time. As Najla Chahda, the director of the charity Caritas Lebanon Migrant Center put it in a 2014 report, "Up until this summer [2014], the continuing Iraqi refugee crisis was no longer newsworthy, especially as the international community and media turned its attention to the Syrian conflict."
Iraqis have faced immense hardships in Lebanon related to protection status, inability to earn a living, and lack of sustainable solutions. According to Caritas, "Many Iraqi refugees were overly optimistic about being quickly resettled, and as a result stopped looking for work or stopped enrolling their children in school" but "[w]hen reality failed to meet expectations, they often felt hopeless or depressed, adding to the burden on a population where trauma is common." The charity added that there remained significant issues faced by the Iraqi community, notably the "rising tensions between Iraqi and Syrian refugees ... where many Iraqis accuse the Syrians of being a source of cheap labor."
There are no local or international organizations that exclusively support or tackle cases related to Iraqi refugees in Lebanon, so this community is reliant on informal social networks and on UNHCR or local organizations that handle migration and refugee cases. Both are grossly overwhelmed, and have suffered funding cuts.
The Yemeni Community
Yemenis in Lebanon number between 400 and 500, mainly residing in Beirut's suburbs, and comprising three groups: students under a sponsorship program, medical-care seekers, and those awaiting visa approvals abroad.
When the 2015 Saudi-led war against the Houthis in Yemen broke out, Yemenis found themselves adrift in Lebanon. "We couldn't return to Yemen, and we were all stuck, so we immediately connected with our Iraqi and Syrian peers to understand the registration process," Ali al-Dailami, a researcher for the Sanaa Center for Strategic Studies who focuses on Yemeni refugees, recounted to The Public Source.
"Very soon after, we tried to organize ourselves — especially with the students — to register as refugees with UNHCR in 2015, but none of us were accepted," he added. "Yemenis, at least in Lebanon, feel that the processes are often unclear, [they] lack access to information, or lack sufficient follow-up to their cases."
According to al-Dailami, their attempts to register continued, with a handful making progress, particularly those who were married, while single Yemenis (the bulk of the community) could not advance with their resettlement cases.
For al-Dailami, "Clearly this is less about criteria and more about politics, especially by hosting countries and their quotas." He ventured "It cannot be ignored that there are political sensitivities about the war on Yemen and the recognition of Yemeni as a 'refugee.' There are clear political sensitivities about the war." In contrast to the experience of Syrians and Iraqis, the researcher says that "Yemenis see Syrians and Iraqis making progress on their papers and resettling, and they wonder about this secret button to move the process along."
"Yemen today is understood to be the worst humanitarian crisis in the world. It is far from over. There is a major wave of people that will leave Yemen because of what's happening there, and I fear there is no plan or policy that will help them anywhere." —Ali al-Dailami, researcher
The process for non-Syrians to register with UNHCR today is daunting. It begins with them being granted "asylum-seeker" status, prior to undergoing the Refugee Status Determination process to gain "refugee" status (except for prima facie cases, which expedites the process). It is that component of the procedure that Yemenis begrudge.
According to UNHCR's database, there are more than 150 Yemenis in Lebanon as of 2020, categorized as such: 24 "refugees", 130 "asylum-seekers" and 5 as "others of concern."
Like so many others, the conditions under which Yemenis live have gotten worse since the Beirut port blast, with many of them moving to Egypt or Jordan to seek better opportunities or re-attempt to register in the hope that the process will be faster in a new country. "Yemen today is understood to be the worst humanitarian crisis in the world. It is far from over. There is a major wave of people that will leave Yemen because of what's happening there, and I fear there is no plan or policy that will help them anywhere," he concluded.
The Somali Community
The smallest and most vulnerable of all, the Somali community in Lebanon is officially made up of around 30 people, of which 23 are accounted for by UNHCR's own figures (14 designated as "refugees" and 9 as "asylum-seekers"). It is unclear how many of the 3,098 Somalis who resided in Syria in 2010, as documented by UNHCR, came to Lebanon after the outbreak of war.
The community is understudied, but according to the UNHCR 2006 Lebanon Country Operations Plan, many Somali refugees "originate from minority ethnic groups (e.g. Murosade, Rare Hamar, Sheikhal, etc.) and from areas located outside Puntland and Somaliland where the situation is still unstable for repatriation." The UNHCR report further notes that Somalis were "the most vulnerable due to the conditions in Lebanon and their difficulty in adapting/assimilating in society" and that "[d]elays in resettlement and consequently, prolonged stay in the country have further aggravated their situation." This fact is still relevant given that, since 2006, the situation in Somalia has not improved, with further in-fighting between the armed militias, involvement of foreign troops from neighboring countries, the African Union and the West, and recurring humanitarian crises.
Somalis in Lebanon have to contend with xenophobia and racism, making it incredibly difficult for them to adapt to life in Lebanon. Moreover, like their Sudanese peers, Somalis have also reported a reduction of their financial aid by UNHCR and other humanitarian organizations since the onset of the Syrian war.
Sanctuary in the 21st Century
Iraqi, Yemeni, Sudanese, and Somali communities in Lebanon — regardless of their specific nuances — face a universal problem that besets all refugees: the systems established to help are neither representative of their needs nor do they actively develop refugees' social, political, and economic self-agency. They also avoid the root issues that led these communities to become vulnerable in the first place.
In an email exchange with The Public Source, Lisa Abou Khaled, UNHCR's spokesperson in Lebanon, confirmed that "UNHCR carries out the same activities for all refugees in Lebanon, regardless of nationality." Abou Khaled added, " we prioritize the most severely vulnerable families for cash assistance. We acknowledge that many others need assistance too and continue to support as much as we can with the resources made available for us."
It may be easy to focus on UNHCR as the main international body mandated to aid and protect refugees and stateless communities, yet the problems are not limited to the agency. There is a fundamental disconnect at the core of the humanitarian sector, particularly in its inability to respond to people's needs.
Mark Lowcock, the UN's coordinator of aid relief operations, recently acknowledged, "If we hold such a mirror up to the system, humanitarian agencies collectively will see that we are simply not adequately listening and responding to what people say they want."
In Lebanon, matters are made worse by the authorities' refusal to sign the 1951 Refugee Convention. Successive governments have also failed to create domestic legislation or administrative processes to address the specific needs of refugees and asylum-seekers, compounding the challenges faced by refugee communities.
Salvation, however, clearly cannot come from a country that is unable to meet its own citizens' most basic needs. The onus falls on the wealthier countries outside the region, and in particular those responsible for the refugee crisis, but whose inhumane restrictions ensure that the burden remains predominantly on the poorer states hosting the vast majority of displaced populations and migrants.
Given that forced displacement is on the rise due to war, violence, persecution, and human rights violations, and that it is likely to continue to rise due to economic instability and climate change, it is imperative to consider radical approaches: reexamining, redefining, and updating international norms, definitions, laws, and processes; incorporating refugees in the decision-making on par with donors; or creating an institution led by refugees for refugees.
Crucially, states' centrality in determining the refugees' fates should be questioned; for how does a state truly understand statelessness? Until a "revolution" occurs within these archaic systems, established in the aftermath of World War II, countless lives will continue to slip through the cracks.


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a guest
Jan 29th, 2014
- Dear organisers of Art Hack Day and Transmediale Afterglow,
- First of all I would like to thank you again for your kind invitation to participate in the festival, and the event.
- Second of all I would like to emphasise that I thoroughly appreciate a critical response to technical innovations in these exiting times, and the attention you are creating for these so called 'hacking' activities, establishing an environment in which the discussion about the impact that technology has on our lives can take place.
- You have collected a wonderful group of people, with many talented minds, and people I consider to be good friends.
- When you have the time to read this message, I would like to explain my reasoning behind not participating in the ArtHackDay exhibition.
- These last few days I have unsuccessfully tried to find a way accept my insistent scruple with the event.
- This scruple is based on my impression of the ArtHackDay (with a consecutive exhibition) to be an outcome of a neoliberal approach to technology in our society, presented within a niche driven context. A fast, cost effective, even competitive, corporate way in which a large quantity of approaches can be included, competing with each other, stimulating ridiculous work hours, without any fee or compensation. Stimulating easy and quick solutions to personalise mass produced technology with an artistic flair. After which the work is presented without any chance of contemplation, or for that matter curatorial intervention. Of course I also believe in stimulating a radical creative environment, and working hard to make art with friends, not sleeping, and making great last minute work. And if you can make money with it, that's good for you.
- By making this a curatorial format to create an exhibition though, the contemplation which is so desperately needed to deal with the current cultural implications of technology, is removed from the exhibition, and a celebration of technical improvisation skills and niche references remains. Wonderful during a Google job interview, or Facebook Hackathon perhaps, but I could not get it to rhyme with my belief in art, artists and hackers having a responsibility to give people the tools to deal with the rapidly changing world around them. By taking some more time then the fucked up commercially driven culturally imperialist communication infrastructure interventions that are messing up our privacy, social lives, and information access as we speak. This does not mean I do not support quick and dirty technical interventions, on the contrary if you know my work, a quick wit and great do it yourself skills can create wonderful impromptu gestures that will spark pleasure and a sense of belonging to a technical elite with many visitors. Still I can not help but believe we desperately need art that deals with contemporary cultural issues relating to technology and media that has had a chance to ripen outside of this techie neoliberal pressure cooker format.
- Therefor my misspelled name in the catalogue will function as an "afterglow" of my potential participation, and I trust you will find a way to remove my name from any current online, and any further future communications. Hopefully this message explained my lack of participation for you and others. I wish you and the participants the best of luck with the rest of the preparations, and I am looking forward to further discussion where possible, and the rest of Transmediale.
- Sincerely,
- Constant Dullaart
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subset: commoncrawl


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What's top of the list in terms of Human Capital trends in Australia?
According to Deloitte's 2017 Global Human Capital Trends report, it was fostering a better employee experience which was a significant priority for 85% of Australian HR professionals.
The 2017 report surveyed more than 10,000 businesses around the world on their HR practice, and it also found that the employee experience was ranked as 'important' or 'very important' by 79% of businesses globally.
Deloitte are currently collecting responses for the 2018 Global Human Capital Trends Survey and employee experience is again expected to be one of the major priorities, according to Juliet Bourke, Partner and HC expert at Deloitte.
Bourke said that another interesting result from the 2017 survey was that Australia was well ahead of the global average in term of nominating diversity and inclusion as 'important' or 'very important' – 77% Australia vs 69% global.
She added that in the 2018 survey, AI, robotics, and cognitive computing might be more on the radar of HR professionals than in previous years.
Indeed, in the last survey it was ranked as an 'important' or 'very important' by only 36% of Australian respondents and 40% of global respondents.
"We are starting to see organisations ask the big questions around what the shape of the workforce is going to look like and how to augment it with different technologies," Bourke told HRD.
"I think in the last survey people knew it was there, but they were not thinking carefully about what it actually means, so I would expect it would be higher on the radar in terms of importance."
Bourke added that a major benefit of the survey is that it enables HR professionals to have a view on how Australia sits relative to the rest of the world.
"I think Australia is in an interesting place because we often make an assumption that something is bigger and better elsewhere, but that isn't always the case," she said.
The previous survey also found that there is a significant danger that Australian companies are not moving fast enough to adapt to the needs of the workforce of the future.
In addition to embracing and understanding the speed of change, the report nominated other tips for companies seeking to prepare for the future, including:
- making talent mobility a core value and build in processes that support fluidity
- forming an organisational performance group to study how high-performing teams actually work
- examining new communications tools (such as Workplace, Slack and Basecamp) and
- adopting continuous, feedback-based performance management that allows for goals to be reset regularly.


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Giraffe square necklace
$25 $49
Pay later with Klarna.
Pay later with Klarna.By purchasing this product you contribute to a better life for our local communities in India.
Measurements: necklace: 40 – 45 cm, charm: 3 x 0.7 cm
Material: gold plated brass
Care: we advise to let our jewellery not come into contact with water and preferably not to keep it in a damp place or in the sun. Also avoid perfume, lotions and oils in the vicinity of jewellery.
Wanna wear something special? Wear one of our favourite jungle creatures and make them stand out! The beautiful charms are made by hand and all tell a different story. By wearing them, you will carry the story on.
Preview our shipping & delivery policy here
100% Handmade in India
14 days return policy
Summer sale orders will dispatch within 48h
Pay later with Klarna


text:
Tripped circuit breakers are annoying and worrisome, namely if it seems like the furnace is the culprit. If your breaker gets thrown once and average performance returns after you reset it, there is no sudden cause for concern. In this case, a surprise power surge is typically the reason.
However, you can't neglect the issue if the breaker flips over and over. This can happen with both electric and gas furnaces. After all, even gas-fired furnaces need electricity to power the blower motor and other pieces. Before you schedule furnace repair, double check the most common reasons your furnace could be tripping the circuit breaker and how you can stop it.
Does your furnace start for a short time before throwing the breaker? This could point to weak airflow. A dirty filter or closed air vents require your furnace to work harder. The increased electrical draw might overwork the system, strain the circuit andflip the breaker. Here are some tips to restore steady airflow and resolve the problem:
HVAC equipment is best used on its own circuit, but this might not occur in older residences. Inspect the labels on your electrical panel to determine if another appliance shares a circuit with your furnace. As a brief resolution, you can unplug the secondary item or avoid running it while the furnace is working. A wiser, more lasting solution is to have an electrician create a new circuit for your HVAC system.
Does your furnace flip the circuit breaker right as it begins running? This could be a result of an electrical issue inside the furnace. An exposed wire may be shorting out the circuit when it reaches a neutral wire or causes a ground fault if it meets a grounded wire or metal object. Either of these things can increase the electrical draw enough to trigger the circuit. You'll do best with an HVAC pro like Finch Air Conditioning & Heating to diagnose and repair the problem.
If you exclude any trouble with your furnace, the electrical panel could be to blame. Poor connections or damaged breakers could lead to irregular performance. If you have an older house, you could need to have the panel replaced if it's outdated, damaged or incorrectly installed. In this situation, you need assistance from an electrician.
Your furnace could continue to trip the circuit breaker regardless of your efforts to remove the problem on your own. If this is the case, leave the furnace off and get in touch with Finch Air Conditioning & Heating for support. Our HVAC Experts can help you identify the problem and recommend the necessary repair. We're proud of our work, so we back it with a 100% Satisfaction Guarantee for a year.* For more info about us, or to request furnace repair, call us at 281-407-9478 now.
*Not applicable to the Advantage Program. See your signed Advantage Program Agreement for full details and exclusions. 100% Satisfaction Guarantee is subject to certain restrictions and limitations as set forth in the applicable Terms and Conditions.


text: How's this for a pleasant surprise? Logic decides to drop off a brand new mixtape for the fans – Bobby Tarantino – as a precursor to what he's got cooking in the lab. The 11-track project only features one guest appearance from Pusha T on the previously release "Wrist." Enjoy!


text: Brand new are these hot naked leaked videos + pictures of the hunky athlete Fernando Verdasco. Fernando Carmona is currently a professional tennis player from Spain. Fernando is gifter with an astonishing thick cock in these pictures! In 2003, Verdasco played his first Masters Series tournament. Lots of these videos portrays Fernando getting dressed and you can see his hard cock!! After finishing in 2003 as 109th in the world, he had a breakthrough in 2004, when he won his first ATP title in Valencia. Enjoy the image gallery containing the sexy leaked vids!!


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"FACTS location using Genetic Algorithm to increase energy efficiency in distribution networks" 2009 13th European Conference on Power Electronics and Applications, EPE '09 pp. - 2009
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Marvel Crisis Protocol - Ghost Rider
Marvel Crisis Protocol - Ghost Rider
Johnny Blaze was a renowned motorcycle stuntman until he made a deal with a demon to save the life of his mentor from a mysterious illness. Forced to share his body with the demon Zarathos, Johnny found himself able to transform into the embodiment of the Spirit of Vengeance.
As Ghost Rider, Johnny can do everything from manipulating hellfire to devouring sinful souls, to forcing evil-doers to feel all the pain they've ever caused by unleashing his "Penance Stare." Tearing through the night on his flaming motorcycle, Ghost Rider never stops in delivering punishment to those who dare do harm to the innocent.
"Yeah, I'm good. Feels like my skulls on fire, but I'm good. Thanks for the water, you seen my bike?" - Nicholas Cage
In-Stock NOW! Thank you for supporting our shop!


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On sale
Lindsay knit topLight yellow
€42,50 €85
This o-neck knit top features a raglan sleeve and high rib cuffs. It is made in a soft viscose-blend yarn.
Delivery is by UPS.
Shipping costs:
EU: 12 Euro
Delivery time is usually 1-3 working days
Norway, UK and Schweiz: 19 Euro
Rest of the World: 25 Euro
Delivery time is usually 3-5 working days


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June 15, 2018
We have all been waiting to hear how things went. The stories will trickle in slowly and we will share what we know. For now know that two men on a surfski won the race and the prize money. Amazing! Here are the top twelve:
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The Quintessential Gentleman's "Turned Gentleman" featuring Ceaser Emmanuel
Turned Gentleman is a platform created to allow individuals to experience our process of rejuvenating and invigorating one's own personal style. This segment is what we call our process process of transforming a man into a gentleman. Our subject's are public figures who are in search of a style that matches their new level of success, sophistication, and confidence.
This inaugural feature of Turned Gentleman will showcase VH1's "Black Ink Crew" star Ceaser Emmanuel. The show has been a commercial success for the network, as it is the original and most popular of the franchise.
We took Ceaser to Knot Standard, the home of luxury suits, for a custom fitting. The styles we chose for him were inspired by his hometown of New York City. The rich olive green hue of his Holland & Sherry tweed jacket is symbolic of the city's rugged terrain, while both Grey Sharkskin and Check Suits represent the glitzy art deco skyscrapers of the city. They convey the perfect balance between power and sophistication, and are perfect for any occasion.
Click here to see Ceaser's transformation.


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How You Can Participate
Participating in International Jazz Day is easy: there are no membership fees, no application and no prerequisites for joining the International Jazz Day family.
The only requirement is that you be passionate about celebrating jazz and its positive values, and ready to bring that enthusiasm to your community through independently organized events of any size!
Here's a simple checklist that will put you on your way to becoming an official International Jazz Day partner:
- Plan your April 30 event (check out a useful list of example events below!)
- Register your planned program by filling out and submitting the form on jazzday.com/register
- Download our free branding resources to visually link your promotional materials to International Jazz Day
- Follow International Jazz Day on Facebook, Instagram and Twitter, and subscribe to our mailing list to stay up-to-date on the latest International Jazz Day news
- Engage with us on social media by sharing the excitement about your event and using the official International Jazz Day hashtag, #JazzDay
Artists, universities, jazz festivals, venues, libraries, primary and secondary schools, radio and television stations, streamers, journalists, academics and private citizens can all join the annual celebration of International Jazz Day. The possibilities are endless, but here are just a few examples of ways to participate on April 30:
- Get together with friends to listen to jazz records
- Play jazz recordings for patrons in your place of business
- Post a video or photo tribute on social media
- Make a jazz arts-and-crafts project with your elementary school students
- Organize a jam session or open mic at a local restaurant
- Present an educational workshop featuring a local jazz artist
- Host a concert at a local theater or performing arts center
- Create a jazz-themed fundraiser to support the charity of your choice
- Petition your local city government to issue a proclamation recognizing April 30 as International Jazz Day
- Dedicate the April 30 program of your jazz festival to International Jazz Day
- Curate a radio/television broadcast showcasing music by local artists
- Hold a "jazz crawl" or jazz parade in your town and fill the streets with music!
Questions about how to participate in International Jazz Day? Be sure to have a look at our Frequently Asked Questions page before reaching out to our Outreach Team.
One more thing. As an official International Jazz Day partner, you are invited to share your story and tell us how you fit into our global community. We're constantly expanding the gallery of community partners on jazzday.com and would love for you to be a part! Simply complete our short interview questionnaire and a member of our team will be in touch.
Logos & Radio Spots
Looking to brand your International Jazz Day event? Download radio spots and the official graphics, available in Arabic, Chinese, English, French, Russian and Spanish.
Other Ways to Participate
There are many ways to celebrate International Jazz Day even while social distancing. Here are 10 examples:
- Like/Follow International Jazz Day on Facebook, Twitter and Instagram for updates on how people are celebrating around the world. Exchange with others about jazz's impact, share posts and re-tweet material to your friends. Make sure to use #JazzDay in your message!
- Have a virtual lesson with a jazz musician in your area. Can't find a local musician? Check out online resources like Coursera and YouTube for some great, free videos on key topics like jazz history and improvisation.
- Listen to your favorite jazz record and Tweet your pick at us (@IntlJazzDay). Need ideas? We put together a handy playlist on Spotify featuring tons of great artists and tracks.
- Do some research on the history of jazz music in your country, including any significant musicians, and share one or two facts with your friends on social media.
- Visit our Educational Resources page and check out some of the free activities and content there, including a special Jazz Day edition of the oiid education platform, an arts & crafts project for kids, and lots of cool videos!
- Check out a jazz film or documentary online, like Chasing Trane, Quincy or Miles Davis: Birth of the Cool.
- Shoot a 30-second selfie video explaining why jazz (and International Jazz Day) is important to you, and upload to your social media tagged with @IntlJazzDay.
- Create some original jazz-inspired artwork, poetry or fiction!
- Check out a book on jazz from your local library.
- Pick your favorite jazz standard and use your smartphone to record yourself playing your own rendition in honor of International Jazz Day; post your video to social media and tag us @IntlJazzDay.
Are you a teacher wondering how to engage with student on International Jazz Day? Visit our Educate page for some lesson ideas.
You don't have to wait until April 30 to enjoy International Jazz Day–create your own celebration of jazz today!
The following documents may be useful to plan and promote your International Jazz Day event:
- Guide to creating an event (Individuals) (PDF)
- Guide to creating an event (Corporate) (PDF)
- Guide For Educators (URL)
- Sharing your Jazz Day stories (PDF)
IJD logo:
English (PDF) | Spanish (PDF) | French (PDF)
- IJD evergreen graphics (All languages) (ZIP)
IJD 2023 Posters:
High Resolution (print) (URL) | Low Resolution (web) (JPG)
- IJD 2023 Facebook Post Image (JPG)
IJD 2023 Instagram Post/Story Images:
Instagram Post (JPG) | Instagram Story (JPG)
International Jazz Day Radio Spots:
15 seconds (ZIP) | 30 seconds (ZIP) | 40 seconds (ZIP)


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meteocontrol GmbH, a solar energy service provider based in Augsburg, is a team partner in the new PermaStrom research project. Together with the Karlsruhe Institute of Technology (KIT) and the German Meteorological Service (DWD), meteocontrol is investigating how atmospheric aerosol particles affect clouds and solar irradiation. The findings are intended to help create more precise yield forecasts for photovoltaic systems in order to make power grids more stable.
meteocontrol GmbH, the Karlsruhe Institute of Technology (KIT) and the German Meteorological Service (DWD) are researching the effects of aerosols on solar power production as part of the PermaStrom research project. Forest fires in the Alps in 2017, for example, coloured the Milanese evening skyscape a deep red and influenced cloud formation and solar irradiance. (Image source: meteocontrol GmbH / Daniel Lassahn)
Weather forecasts that are as accurate as possible are crucial for the management of power grids. This is because yield forecasts for photovoltaic systems are based on sunlight predictions. If the actual irradiation is less than the forecast values, the grid operator is forced to either pay high energy compensation costs or to down-regulate certain systems as part of their feed-in management system. Aerosol particle concentrations, such as those caused by large-scale forest fires or Saharan dust, have been insufficiently considered or totally neglected in numerical weather forecasts until now, yet they can lead to significant incorrect predictions of solar irradiation on individual days.
As part of the 'Photovoltaic yield forecast for the better management of the impact of atmospheric aerosols on power grids in Germany and Europe' project (PermaStrom), the research partners wish to better account for these effects in the weather forecast and the PV yield forecasts based on them. The challenge lies in modelling and, in particular, predicting the effects of aerosols such as ash, dust and sand grains on cloud formation. This is because the processes in clouds and their interaction with aerosol particles are still not fully understood. The project team uses both measured data from weather stations and satellite data for the study. These data are processed in an expanded numerical weather prediction system that the DWD operates specifically for this purpose. While the DWD is primarily dealing with the operationalisation of the ICON-ART weather model, the KIT team led by Professor Dr Bernhard Vogel is researching improvements to the 'ART' (= Aerosols and Reactive Trace gases), which is part of the weather model.
As part of PermaStrom, meteocontrol is further developing the prediction system, taking account of grid operator requirements. "This means grid operators will be able to use the research results in the form of new forecasting models and make more reliable plans in the future. With the proportion of PV energy steadily increasing, this research will make a significant contribution to the better management of power grids and their stability," says Daniel Lassahn, meteocontrol Project Manager. The research project is funded with a total of 2.5 million euros by the Federal Republic of Germany Ministry for Economic Affairs & Energy (BMWi) over a period of four years. The project was launched on 1 May 2020.


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Purchasing Your First Home
Purchasing your first home is an exciting time filled with dreams of the future. We realize you are most likely feeling overwhelmed due to the speed numerous homes are removed from the market. We want to discourage you from making an impulsive decision because of the current real estate trends. The last thing we want is for you to make a purchase resulting in making mortgages payments long after you retire.
We want you to find the ideal home without damaging your future finances. The chances are good you are not sure where to begin. We want to help you by offering 10 excellent tips for purchasing your first home. Using these tips will help ensure your home brings you many years of happiness, without placing a burden on your finances.
1. Paying Off All Your Debt
When you own your home, you will have expenses you did not have as a renter. This is true even if your mortgage payment is equal to or less than what you have been paying for rent. You need to understand the responsibility for upkeep, repairs, and maintenance is on your shoulders. You may not realize how quickly these expenses can increase. We recommend paying off all of your debts prior to purchasing a home.
Once you an emergency fund capable of paying your expenses for three to six months, purchase your first home. One of the worst things you can do is form an attachment to a gorgeous home way out of your price range. Before you look at homes, sit down and look over your monthly budget. You need to know what price range is affordable. Your budget also needs to include other expenses such as your monthly fees.
This includes insurance, taxes and HOA fees. These expenses should not be more than 25 percent of your net income. Once you have determined your monthly net income, multiply the dollar amount by 25 percent. This will help determine the maximum monthly mortgage payment you can afford according to your income level. You then decide the length of time you want for your mortgage such as 15 years. Your interest rate is important including whether your rate is fixed or adjustable. We do not recommend an adjustable rate.
These components combine to determine which homes are in your price range. Your monthly payment will be affected by your homeowner's insurance and taxes. Prior to deciding the maximum you can afford to pay for a home, you need to include these figures. There are free mortgage calculators available online to determine how much your monthly payment will be for specific price ranges including insurance and taxes.
We recommend talking to your insurance company and real estate agent to get an estimate for homeowner's insurance and property tax. You must have an approximation in order to determine your price range for a new home.
2. Keep Your Budget in Consideration
Once you have paid off all your debts, the only payment you will have for your home each month is your mortgage. This means you can continue adding money to your emergency fund to cover any major unexpected expenses such as a new HVAC system or extensive plumbing repairs. The idea is to eliminate any potential stress resulting from an important repair or replacement you are unable to afford.
We want you to have peace of mind while enjoying your new home. After your debts have been paid off, it is important to remain free of new debts. We realize how exciting it is to purchase all new furniture or decorations for a new home. It is very easy to spend a lot more money than you intended. When I purchased my first home, my initial reaction was to buy everything I wanted immediately.
I am blessed with a practical nature, so I decided to start by decorating just one room. I chose the living room, and stayed within my budget. Despite the temptation to start on another room, I waited until I had saved enough money to cover the expense. I decided adding to my emergency fund on a regular basis was important, so it was six months before I started decorating again.
Three months after I finished my second room, I had to deal with a termite invasion. This was when I realized if I had spent every dime on decorating, I would not have been able to cover the expense. You can decorate with the furniture and accessories you already own, and decorate one piece or one room at a time. Even if there is a room you have to leave empty, new furniture is not worth placing your home at risk.
I strongly recommend against increasing your debt at any time, but especially when you are waiting to qualify for a mortgage. New debts can prevent you from being approved, resulting in the loss of your ideal home.
3. The Importance of a Down Payment
Most people are unable to save enough money to purchase a home for cash. This is not an issue provided you have a down payment for a minimum of 20 percent of the value of the home. This eliminates the cost of PMI or private mortgage insurance to protect your mortgage company if you are unable to pay your mortgage and end up in foreclosure. The average cost of PMI is one percent of the value of your loan.
The cost will be included in your monthly payment. If you do not have enough money saved for the recommended down payment, you may be thinking about some of the programs created for first-time buyers offering down-payments in the single-digits. Stay away from all of these programs because as time passes, you will be paying even more. One of these programs is called an ARM or adjustable-rate mortgage.
An ARM appears to be an excellent program offering a much lower interest rate. Our issue is your rate is adjustable. This means your rate will be adjusted by your lender, risking much higher monthly payments. If you are a veteran, you may qualify for a VA loan without a down payment. The problem is a shift in the real estate market can result in a mortgage much higher than your home is worth.
VA loans include a lot of fees, with higher interest rates than offered for conventional loans. An FHA mortgage with a downpayment of just 3.5 percent is not nearly as attractive once your mortgage insurance premium is added. You will have to pay for this the entire time you have the loan. You will literally be paying thousands of dollars, and not to help pay off your mortgage.
The only mortgage we recommend is a fixed-rate, conventional 15-year mortgage with a down payment of 20 percent or more. A 15-year mortgage does mean making a larger monthly payment, but you will own your home 50 percent faster, and save thousands in interest due to the lower interest rate. Your interest will remain the same with a conventional loan at a fixed rate.
This eliminates the possibility of your payments increasing to an amount you are unable to afford. Despite the lower monthly payment available with a 30-year loan, you will pay a lot more during the term of your loan. Not only will you own your house in half the time with a 15-year mortgage, but you will also pay a lot less for the long-term.
4. Preparing for Closing Costs
In addition to saving money for a down payment, you also need to have the funds to cover your closing costs. If you are purchasing your first home, you may not be aware of the extent of your closing costs. In most instances, your closing costs are between three and four percent of the price you paid for your home. You will receive the exact number from your lender to make certain your are ready for the closing.
The fees you are required to pay are part of the process of purchasing a home. These fees include:
- Home inspection
- Homeowner's insurance
- Credit report
- Appraisal
- Attorney
The amount of your closing costs are dependent on the value of the home you purchase. Saving to pay for your down payment and closing costs is extremely important. These funds are just as critical as paying off your debts, and ensuring you have a good emergency fund. If you need to temporarily stop saving money for your retirement to ensure you have what you need quickly, do so.
You have several options to help you save. You can work a second job, move in with family or friends, rent a smaller apartment, cut your expenses, or look for a roommate. Whatever steps you need to take to save enough money are critical for ensuring you have a downpayment as fast as possible.
5. Pre-approved Loans
As soon as you have saved enough money for a 20 percent downpayment and closing costs, you need to contact a mortgage lender to make certain you have the other 80 percent. One of your best options is a pre-approved loan. Prior to looking for the perfect home, obtain a pre-approval letter. This letter tells sellers you are very serious about purchasing a home.
This is a great option to gain an advantage in a competitive market when you are purchasing your first home. In order to be pre-approved for a loan, your financial information needs to be verified by your lender including taxes and proof of income. Your loan can then be submitted for the preliminary underwriting. If you have paid off all your debts, we recommend finding a lender interested in debt-free homeownership.
This type of lender is willing to work with you when purchasing your first home with no credit score.
6. Locating a Home Selling Within Your Price Range
Recent data shows 50 percent of homeowners found their home online, with 28 percent going through a real estate agent. If you do both, you are increasing your chance of success. You can even look online, find homes of interest, then show them to a real estate agent to ensure they are fairly certain what you want. The realtor can then use an MLS or multiple listing service to find homes in your desired area meeting the criteria you have provided.
Real estate professionals are responsible for the creation and maintenance of MLS. This service is useful when you are purchasing your first home because you can see so many of the homes currently for sale in the marketplace. A real estate agent also offers you valuable experience in the market to help locate the best deal on a home before it is even listed.
7. Researching the Neighborhoods
Start by locating the home you like the best in your price range. Do not make a decision on just the property. A recent survey shows 20 percent of individuals purchasing a home are willing to compromise on the condition, and 17 percent on the size. Only six percent are willing to compromise regarding the neighborhood quality, with just two percent compromising on the distance from the local schools.
Before you make a final decision, you need to consider the location and neighborhood of the home. Talk to your real estate agent about the quality of the schools, and the crime rates in any neighborhood you are considering. Determine how long it will take you to commute to your typical destinations such as your job, relatives and any activities.
If your commute times are too high, you need to consider a different neighborhood. Drive through the area at different times during the day and evening. Observe the noise levels and traffic conditions, and see if the residents spend a lot of time outdoors. If your potential neighbors are not comfortable being outside, you may not feel good living in the area.
8. Take the Time to Go To Open Houses
After narrowing down the potential neighborhoods, go to several open houses by searching for homes for sale. It does not matter if you are viewing a home that is less than ideal because you can learn a lot about the neighborhood. Eventually, you will find your ideal home. You will be able to make a comparison between the best and worst homes in the neighborhood.
One of the best ways to purchase a home is by using a good strategy. Start by determining which house in the most affordable in the best possible neighborhood. When you purchase a home in a good neighborhood for the lowest price range, you are able to build value in your home. A good example is purchasing the only home on the block without ceiling fans and hardwood flooring. Once you have made both of these upgrades, you will immediately add more value to your home.
9. Making a Competitive Offer
Once you have found the ideal home within your price range, and have been preapproved to receive a loan, you need to make an offer. If you have never purchased a home before there is a good chance you will not know how much to offer for the property. At this point, the expertise of your realtor is extremely important. Talk to your agent to determine if the offer you are making is in your budget, competitive and accurately represents the value of the home.
Resist the temptation to make an impulsive offer for more than you are able to afford with the intention of eliminating the competition. If the market is hot, there will most likely be multiple offers for the home. You can stand apart from the competition with a personalized letter.
10. Preparing for the Closing
The process of closing will begin after your offer has been accepted by the seller. You can help ensure the process proceeds smoothly by understanding what to expect during your closing. The time required for a typical closing is 43 days. This means you have more than enough time to do everything necessary. The remaining steps will be scheduled by your real estate agent such as the home inspection, and the final walkthrough.
Your realtor will make certain you remain informed if there are any issues during the process. Take the time to thoroughly read each document you are given. If there is something you do not understand, have your agent explain. Do not sign the final contract to purchase your home unless you understand everything. Once you have signed the documents, you take full responsibility.
Starting the Process
Purchasing your first home is most likely the largest purchase you have ever made during the course of your life. For this reason, you do not want to make any mistakes. An experienced, professional real estate agent understands the process, and knows exactly what needs to be done. They will help you find the home you have been dreaming of, handle the negotiations, and handle everything including the closing.
We believe you will find the ideal home, and wish you many years of happiness with your family.


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How AFDigital cut their testing time in half and increased their effectiveness as strategic partners for their clients with Litmus
AFDigital is a leading marketing technology, consulting, and creative services company. They have been an Authorized Reseller and Consulting Partner of Salesforce across the APAC region since 2012. As a Marketing Cloud Expert Partner, AFDigital enables customers to build smarter 1:1 customer journeys that enhance user experience and boost loyalty. Email is a core component of the customer journey strategy for AFDigital and all of the companies they partner with.
The Challenge
To build and maintain the highest level of trust with their customers, AFDigital has to create emails that deliver exceptional customer experiences throughout the entire customer journey. The key to doing this effectively is thorough testing across all popular email clients and devices.
Though each of the 23 team members on the AFDigital email team has a different building process, most build directly in Salesforce Marketing Cloud. Each team member installed popular email clients on the devices they had at hand and relied on manual test sends to find and fix any rendering errors that could negatively impact the subscriber experience.
This manual testing process was arduous and time consuming; each team member would spend hours of their time testing. Plus, it did not provide full visibility into the 300,000+ possible ways an email can display based on the email client, device, and reading environment. It was also a true challenge to give their clients visibility into the test results, as they would have to comb through pages of screenshots.
"When we were manually testing emails, the email creator had to reach out to the entire team and ask who had which email client and device and asked them to manually take and send screenshots. Not only was this time consuming for the team member building the email but it took time away from the entire team. The process simply wasn't productive or efficient."
How Litmus Solved the Challenge
Choosing Litmus as their email optimization tool was a no-brainer for AFDigital, due to how intuitive it is to use and most importantly how it integrates seamlessly with Salesforce Marketing Cloud. Other solutions in the market didn't offer anything close to the same level of integration.
Soon after adopting Litmus into their workflow, AFDigital's email creation and testing process was streamlined and transformed. Litmus' integrations with Salesforce lets them easily preview emails—including those with dynamic content—across more than 100 popular email clients and devices, so they can catch and fix any issues as they build without the hassle of switching between tools or sending manual test emails.
On top of this, they send each email into Litmus for a thorough, automated Litmus Test to check all of the elements that matter most in terms of creating an exceptional customer experience. They configure the Litmus Test to check the email clients and devices that are most heavily utilized by each individual client's subscriber base, allowing them to focus and refine their design efforts. After the test is complete, the email creator sends a link to the Litmus Test results to their QA teammate, allowing them to spend minutes—instead of hours—confirming that the email will drive the best results. Even better, they can easily share that link with their clients, giving them full visibility into how their emails will render, even for subscribers using Dark Mode.
"Litmus has helped our team save so much time by consolidating and automating our testing process. We're able to do a more complete review than we had prior in a fraction of the time we had been spending manually testing."
The Results
With Litmus, AFDigital saves time and is able to be even better, more strategic partners to their clients. Instead of several team members spending hours of their time manually testing emails, one team member can QA in half that time saving an average of 3 hours per email. They've gained and retained valuable trust with their customers.
"Our team has saved hours with Litmus. We've been able to be the best strategic advisors possible to our clients. From the integrations with Salesforce Marketing Cloud to the thorough testing abilities, we have immensely increased our efficiency and effectiveness. We are excited to utilize more of the Litmus solution and save even more time in the future!"


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DiveAssure Members Store
The benefits below are available to you as a valued member of the DiveAssure Association. Please be sure to check back from time to time as we always add new and exciting benefits.
Each benefit includes a link that will direct you to the provider of the benefit. All benefits are provided by third party companies and are their sole responsibility.
Please contact us if you have any questions.
Equator Diving
Get a 5% discount on any of their exclusive liveaboard and resort trips!.
Marine Rescue GPS. Don't get left behind!
Waste Free World
10% discount on purchases through their e-store
Girls that Scuba
10% discount on purchases through their e-store
Silent World Magazine
German members: Receive a trial subscription to the diving magazine Silent World (four issues) worth 19,90 Euro!


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Dear Client: As you may know, the New Jersey Assembly is considering a bill which would equalize the state excise tax for spirit-based canned cocktails at 8% or under ABV. That bill may or may not pass (the president of the Senate introduced it, so….). But something remarkable happened during the debate that I have … Continue reading "Major Industry Coalition Forms to Fight Canned Cocktail Equivalency"
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Your guide to learning to drive in Twickenham
Jump to:
View other guides: Driving Lessons in London, Driving Lessons in Birmingham, Driving Lessons in Manchester.
How to choose a driving school in Twickenham
You need an instructor who:
- Encourages you
- Makes learning fun
Won't cost a fortune!
That's why you should do these 4 things:
1. Compare reviews
Finding reliable review sources is important when deciding which driving school is right for you. See what your fellow learners in Twickenham had to say by looking at trustworthy review itsites.
2. Beware of terms and conditions
Some schools in Twickenham won't refund any unused hours when you don't complete all of your block booked lessons. So make sure to check the school's terms and conditions before you pay for any block bookings.
3. Check that you can switch instructors
If things aren't going well with your instructor, you'll want to make sure you can get a replacement at your school. However, some schools in Twickenham may not let you switch instructors. With that in mind, it's a good idea to see whether you can change instructors before you book your lessons.
4. Avoid long waiting times
You should always enquire about waiting times before you book your lessons, as most schools in Twickenham don't publish them. This will help you know when you'll start your lessons before you have to pay.
Choosing between manual and automatic
Before booking your first driving lesson, you should choose whether you want manual or automatic driving lessons.
Automatic cars are easier to learn in as they don't have a clutch pedal, just one for braking and one for accelerating.
Main roads like the A316 near Twickenham Stadium can have heavy traffic so you might find an automatic easier here as you won't need to change gears constantly.
However, manual cars are cheaper to buy and maintain in comparison to automatic cars. Manual cars also give you the chance to anticipate changes in terrain that might affect speed, like when you're approaching a hill.
Remember that automatic licences will only let you drive automatic cars, whereas manual licences let you drive manuals and automatics. So you might prefer a manual licence if you're looking for more flexibility. There are pros to both so the choice is down to you.
Choosing your test centre
Your instructor will help you practise the routes that are likely to come up in your driving test. Here are the driving test centres near you and their pass rates.
Test centre pass rates
DVSA practical car test pass rates, 2018-2019.
Ashford Test Centre | Pass rate: 49.3%
Prepare for a fair share of roundabouts if you take your test at Ashford Test Centre. And watch out, there aren't any toilets at the test centre, so don't get caught short.
Address: 18/19 Fir Tree Place, Church Road, Ashford, Greater London, TW15 2PJ
Isleworth Test Centre | Pass rate: 42.2%
Isleworth Test Centre's pass rate is slightly below the UK national average. But if you live near the Isleworth, Richmond or Hounslow areas, then Isleworth Test Centre is a good option as you'll be taking your test in an area you're more familiar with.
Address: Unit 8, The Wireless Factory, Fleming Way, Isleworth, TW7 6DB
Check out the DVSA page to find your nearest Driving Test Centre.
Test tips from Twickenham instructors
1.Watch out for parked cars
At either test centre, you might drive down some narrow suburban roads on your practical test. This means there'll be lots of parked cars to look out for. Make sure to keep a safe passing distance and keep an eye out for any pedestrians crossing from behind parked cars.
2. Take care on roundabouts
The driving routes, especially at Ashford Test Centre, will likely feature lots of roundabouts including Convent Way, Church Road, and Kingston Road. So pay attention to road signs and markings, and remember your MSPSL routine (Mirror, Signal, Position, Speed, Look).
3. Bring everything you need
You'll need to bring your provisional driving licence and your theory test pass certificate with you on the day of your practical test. If you forget them, your test will be cancelled and you won't be refunded.
4. Check the parking situation
Ashford Test Centre does not have parking available. So if you take your test here, be sure to plan ahead and check out any potential parking spots near the centre.
5. Book a driving lesson beforehand
Having one more lesson right before your practical test will give you a confidence boost. It should remove any nerves you have and you could use the time to go over any roads you suspect will come up on the test.
Where can you take lessons in Twickenham
Some of the top areas in Twickenham are:
Ashford, Brentford, Egham, Feltham, Hampton, Heston, Hounslow, Kew, Richmond and St Margarets.
Enter your postcode to check lesson pricing in your local area.


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Not transmitted from person to person a new virus attacked Europe
(ORDO NEWS) — A completely new meningoencephalitis virus, which may be linked to mosquito bites, is on the rise in Europe. The virus was recorded in Spain. At the moment, there are already 18 patients in the hospital. The health department reported that a total of 18 cases of infection were detected and five people were in the intensive care unit.
All infected live in the province of Seville. An interesting point is that the virus is not transmitted between people. Experts have suggested that meningoencephalitis begins to develop after a person is bitten by a mosquito, which belongs to the species aedes japonicus. Another name for these mosquitoes is Asian bush mosquitoes. It is worth noting that they also carry the West Nile virus. At the moment, the authorities are in full control of the situation and are doing everything possible to prevent the disease from spreading further.
Meningoencephalitis is a disease that is neuroinfectious in nature. After infection, the patient has a simultaneous damage not only to the membranes of the brain, but also directly to the substance of the brain. Characterized by the presence of symptoms of infection, as well as focal and meningeal symptoms.
The diagnosis can be made only after a thorough neurological examination, MRI, CT of the brain, analysis of cerebrospinal fluid will be carried out. In addition, it is imperative to carry out studies with which you can establish the presence of the pathogen. As a treatment, antibacterial, antifungal, and antiviral agents are used. Additionally, the course of treatment includes taking symptomatic and pathogenetic drugs.
Contact us: [email protected]
Our Standards, Terms of Use: Standard Terms And Conditions.


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Tweet Share Growing up in Canada, "Black Friday" didn't exist, so I can't say I ever gave it much thought. The Canadian equivalent is "Boxing Day" the day after Christmas, where stores offer, as they do on the day following … Continue reading
Did you know the holiday season is the highest revenue season for big business? Let our friends at Climate Counts steer you in the right direction and join the Striding Shopper Campaign to support companies that are "striding" to take … Continue reading
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If I'm paid cash and was injured on the job, what aremy options?
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If I'm paid cash and was injured on the job, what aremy options?
I have been working for a company who has rental properties. They pay me cash. I was injured working on one the their homes and now I cannot work for 2 months. They offer no workman's comp since they pay cash. Can I go after their homeowners policy to cover my lost pay? I go to the VA so my medical cost are minimal.
Asked on July 21, 2010 under Employment Labor Law, Indiana
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 13 years ago | Contributor
Without workman's compensation, you would have to show that any injuries were because of the company's fault--e.g. owing to negligence, or carelessness. The fact that you were injured on their property, without more, does not necessarily mean that they owe you compensation; there must be fault.
If you think they were at fault, you could file a lawsuit aginst them for your losses or damages, including lost pay (though this may be hard for you to document or prove under the circumstances) and any medical costs. Many personal injury attorneys will work on contingency (they only get paid if you get paid) and will also provide a free initial consultation; I recommend that you speak with one.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.


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Your honeymoon is a special kind of holiday that should be memorable, wild & Romantic. Amazing Morocco will help you celebrate the start of your life together in the most epic way possible.
After all the thrill of planning your big day, you now deserve a wonderful break. whether it's relaxing on your fabulous private villa overlooking the Atlas Mountains, or enjoying a romantic dinner on the dunes of the glorious Merzouga desert the options are endless! Our team of expert will create Unique experiences, intimate settings, mesmerizing views just for the two of you and will take into account your budget, your dates, Your preferences whether you'd like this special holiday to be Relaxed and quiet or with a dash of adventure and adrenaline and any requirements or ideas you want it to include.


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Nextup TextAloud v3.0.105 Final 2017
Nextup TextAloud 3 Final 2017. It is the text to software for Windows PC that converts text from MS Word documents, emails, web pages and PDF files into natural sound voice. It can be played on your PC or create audio files for use on portable audio devices.
Among its main features are the ability to read documents in text format and convert them into MP3 or Windows media file. In short, this program is a text-to-speech (CTV) or TTS (Text To Speech) converter.
TextAloud full Spanish + Serial, offers a considerable variety of voices in several languages that allow the end user to choose the one that he / she prefers. Between the packages of voice includes the standard voices of the program. The AT & T Natural Voices ™; The premium voices of Acapela ™ and Nuance RealSpeak Voices ™
Nextup TextAloud Features
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- —>Check tool to listen to the documents you are checking.
- —>Toolbar for Internet Explorer Plugin for listening to web pages.
Finaly, Click Here To Download| Password: www.a2zcrack.com


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Beyond Beer
Beer Club
Beyond Beer
Beer Club
Any questions?
What does membership in the Beyond Beer Club cost?
Membership is free of charge. As soon as you create a customer account with us and agree to the conditions, you are a member of the club.
How can I earn Club Points?
Simply place a regular order. You can earn Club Points on all products.
If you have a beer subscription, you get even more for one Club Point. With the standard subscription it is 0,04€, with the geek subscription even 0,05€ per point.
How much is a club point worth?
A regular point has the equivalent value of 0,03€. If you have a Beyond Beer subscription (Germany only) at the same time, the value is 0,04€. If you have a Beyond Beer Geek subscription, the value is even 0,05€.
Can I redeem my points in your store in Hamburg?
Unfortunately, you cannot redeem the points from the online shop in the store in Hamburg. We have our own loyalty system on site for this purpose.
Where can I see the Club points I have collected?
The best way is to look in your customer account when you are logged in. There is a menu item "Your Points". There you will find an overview of the Club Points you have collected.
How can I redeem my Club Points?
You can easily redeem Club Points at the last point of the check-out process. There you will find the option to redeem your points under the listing of your order.
Do you have further questions about the process or suggestions and ideas? No problem. Write to us and we will answer and help you quickly. For very short-notice requests, it's best to call us: 040 81 95 56 51 (Mon - Fri 9 a.m. to 5 p.m.)


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Two Hole Cloth Toggles Button
Price And Quantity
- 500
- , Piece/Pieces
Product Specifications
- Toggle
- Wooden
- 2 Holes Button
- Oval
- Plain
- 1-1.5 Inch
- Brown
Product Description
We are creating a brand name in every part of the national market by manufacturing and supplying an exclusive range of Two Hole Cloth Toggles Button. These toggles are designed by our dexterous manpower using best quality wood. The quality inspectors check these toggles on finishing and sturdiness parameters to provide a flawless range to clients. Used in shirts and jackets these Two Hole Cloth Toggles Button give a stylish look to the garments.
- These toggles have beautiful designs that compliment the garments and produce a unique look
- Known for their durability and fine finish, these toggles are widely popular among our clients
- We offer these toggles ate cost effective prices to clients
Trade Information
- Cash Advance (CA), Cash in Advance (CID), Cheque
- 10000 Per Month
- 15 Days
- Yes
- Free samples are available
- Poly Bag
- Western Europe, Australia, North America, Eastern Europe, Middle East, South America, Asia, Central America, Africa
- All India
Related Products
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Special Article contributed by Christian Garaffa, Marketing Department, Project Manager Waste Management Area. After Ireland, San Francisco and Oakland in California, Modbury in Britain, the debate on disposable carrier bags has recently moved to London. Many other countries and cities are looking to introduce or already have some form of ban, tax, levy or some voluntary agreement on throwaway shopping bags (e.g. France or Italy). The question is always the same: how to manage the environmental issue posed by non biodegradable carrier bags? The common logic permeating the different choices is always the one dictated by the waste hierarchy: prevent, reuse, recover, dispose of. Factors like an intensive communication to the consumers and the introduction of reusable bags "for life" which can be used for several times before they are finally thrown away or given back to the store, are an essential part of this schemes. Compostable shopping carrier bags: what is the logic for their contribution to the environment? How do compostable carrier bags place themselves into this picture? www.novamont.com Compostable carriers can actually be a powerful aid to waste minimization and recovery policies especially there were organic waste collection schemes are to be set up or are already in place. In order for such schemes to be successful they must be hygienic for both consumer and collection crews and be as convenient as possible. The best way to ensure both these criteria is for consumers to line their kitchen caddy with a compostable liner which can then be tied and placed in the larger container. Using liners in this fashion not only keeps the system clean and hygienic from kitchen to collection to treatment facility, but by being simple to use, they also lead to higher levels of participation and subsequently greater amounts of food waste are recovered and less material is landfilled. A proper communication and the possibility for the householder to easily identify the compostable bags are completing the picture for this kind of schemes which are able to recover as much as 90% of the kitchen organics present in the household waste. 20 bioplastics MAGAZINE [07/04] Vol. 2
Special Article contributed by Jonas Hellström, Marketing & After Sales Manager, FAS Converting Machinery AB, Ystad, Sweden Biobags: in-line production is the future The Scandinavian company BioBag International A/S, headquartered in Askim, Norway has great faith in the future. They have a long experience of making plastic bags and have used converting machines from FAS Converting Machinery AB, Ystad, Sweden for more than 15 years. About three years ago BioBag International started to specialise in making plastic bags which are 100% biodegradable and compostable (according to standards such as EN 13432 or ASTM D6400) and which can be recycled or incinerated with a neutral greenhouse gas impact. Converting material from the Italian company Novamont into bags in-line on a machine from FAS is a very cost-effective way of making bags on a roll. "We believe in the future of this project", says Jorn Johansen, president and CEO at BioBag International. Many people are becoming more aware of how important it is to take care of our Earth. BioBag International A/S has activities in 18 countries and the list of products is long. In Belgium for example, BioBag has a business arrangement with Jemaco nv. (also a customer of FAS), regarding the marketing and production of high quality bio-products. Jorn Johansen appreciates the quality of the machines and the good service from FAS, which fit well in this environmentally friendly future. Bag production in-line using the film blowing process is well known, and has been improved over the years by FAS, followed by other machine suppliers, as pointed out by Jonas Hellstrom, Marketing Manager at FAS. Especially with the combination of tensionless sealing and sealing from both sides, FAS perforation and sealing units are the ideal equipment to process biodegradable products. The FAS sealing system is one of the few that can handle a wide variety of film materials, e.g. all kinds of PE from HD to LD, recycled plastics and biodegradable materials, without any special adjustments required. In addition to the above-mentioned features, the FAS perforating and sealing units offer the benefits of constant or intermittent heating and adjustable seal pressure, which has proven to give many producers advantages when running different products on the same machine. The in-line process of film blowing and bag production brings a number of additional benefits, such as faster quality control of the plastic film, no capital locked up in storage for master rolls or floor space, and a better cash flow. And - thanks to converting a warm film which enables thick film to fold easily and the final winding to be easier – the final products often just look better. When it comes to total machine investment cost, an in-line set-up offers advantages over an off-line solution. One reason is a simpler blown film unit, as there is no need for a rotating head or winding equipment when running in-line. Other costs for a producer are the handling of master rolls and for the personnel needed to run the machines. In an in-line environment less operators are needed compared to an off-line set-up, which also provides financial benefits. As one of the biggest bag producers in Europe once said: "Produce this morning – deliver in the afternoon - and invoice tomorrow! That´s the key to success!". www.fasconverting.se bioplastics MAGAZINE [07/04] Vol. 2 21


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- Navagraha
Shree Sidh Shakti Peeth Shanidham Shani Dham Temple
- Asola,Delhi
- View on map
- Tell us about this temple
Shani Dham temple is a popular shrine situated on the Chhatarpur Road, near Asola. The temple lies at a distance of 6kms from the Chhatarpur Temple and 9Kms from Mehrauli. The famous Qutub Minar is located about16 kms from this temple. The idol of Shani Bhagvan in this temple stands unique since it is sculpted out of natural rock. The idol of the deity looks radiant and is considered the tallest statue of Shani Bhagvan in the world. The statue was installed in the temple on 31 May 2003, by Anant Shree Vibhushit Jagat Guru Shankracharya Swami Madhavasharam Ji Maharaj. The temple and statue of Lord Shani stands unique and attracts thousands of devotees from all over the world.
Shree Shani Dham Peethadeshwar, Sant Shiromani Shani Charanuragi 'Datti' Madan Maharaj Rajasthani ji enchanted One Hundred Crores and Thirty Two Lakh Shani Mantras on this sacred grove before installing (pradishta) the idol. The temple is thus considered sacred and is said to resolve problems caused by the adversity of Shani. Devotees worship Shani Bhagvan by offering oil for abhisheka (Telabhishek).
About The Temple
The holy temple of Shani Dham is divided into two parts - the eastern and the western. The temple consists of idols of various other Hindu gods and goddesses other than the idol of Shani Bhagvan. Devotees strongly believe that worshipping these deities along with Lord Shani brings about good luck and prosperity in their lives. The temple premise also comprises of a big library and research centre within it.
The tall, eight metalled idol of Shani Bhagvan is erected on top of the eastern wing of the temple. This Idol attracts the visitors from all over the world. The main door to the eastern wing of the temple falls on the western side leaving the visitor awe struck with the 'Vastu' of this temple. One gets the glorious glimpse of the huge shimmering idol of Lord Shani and the Shani rock on entering through the main door. Statues of Shani Bhagvan are erected on the north and south, where Shani Maharaj ji is seen going around his several rides. Devotees are left speechless looking at this architectural marvel. On the left and the right sides of Shani Shila (Rock) are the statues of Bhairav Dev. Devotees believe that their past sins get nullified on visiting this holy shrine.
A huge hall has been built on the eastern side of 'Shani Shila', which consists of twelve idols symbolizing the Jyotirlings. The huge eight metalled statue of Lord Shani stands on top of this hall. The worship of the Shani Shila and the divine statue of Lord Shani are believed to fulfill the prayers of the devotees. On the eastern side of this hall are few rooms consisting of rare astrological books and materials used for Shani poojas. Shani Dham also publishes various books and magazines on astrology which is kept on sale. The reception, enquiry office, the publication department is situated near the main entrance of the shrine.
The western part of the 'Shani Dham' temple comprises of few huge statues of Shani Bhagwan who is seen riding the buffalo and vulture. The ritual of 'Telabhishek' is performed on these statues on all Saturday, Monday and Tuesday.
On the right of these two Shani Statues, the idol of Lord Hanuman ji is installed facing the direction South. On the left side of this idol, is the oblation pool. The idols of Navagrahas are installed in the southern side of this pool. Exactly Opposite to this place is an arrangement for devotees to take the holy bath. The devotees are said to pray the Shani Bhagwan here, by wearing a wet red cloth and performing the Telabhisheka. On every Tuesday, Lord Hanuman ji and Maa Jagdamba are also worshipped along with Shani Maharaj ji.
The sactum of Jagdamba Maa is located near this place. This consists of a huge 'Shiv Lingam' and the oblation pool. On its west side is another big hall having the idol of Ardhanarishwarar (A form of Lord Shiva representing half of Shiva and Shakthi).
At Shani Dham, each devotee gets to worship Lord Shani directly. There is no priest or Pandits between the deity and the worshipper. The devotee performs the circumambulation (Pradharshini) around the idol himself. Worshippers including both men and women, perform their own poojas to the idol of Shani Bhagwan.
Poojas and Rituals
Offering oil (Telabhishek) to God Shani while chanting the mantras 'Om Sham Shanishcharaya Nameh', 'Om Pram Preem Prom Se Shanishcharaya Nameh', 'Om Sham Shanishcharaya Nameh' while circumambulating the 'Shila Murty' (idol) is the basic ritual at the temple. Offering one's footwear, embracing and kissing the idol is a traditional ritual.
On each 'Shani Amavasya', rituals such as 'Pitra Dosh' & 'Kaal Sarpa Dosh' are performed at Shani Dham to the God. On such occasions, special worship and 'Telabhishek' (bathing the idol of God Shani with mustard oil) are performed.
The festivals of Navratri and Deepawali are the most important festivals celebrated in this temple.
Thousands of devotees throng the temple to get rid of various adversities faced by them due to the malefic Shani as per their birth horoscope.
The Indira Gandhi International Airport at Delhi is the nearest which is around 16.6km from Shanidham mandir.
The city of Delhi has a well connected metro rail service. The closest metro stations located near the temple are the Chattarpur station and Qutub metro station.
Several State run buses and cabs operate in the city providing efficient road transport in the State.
Temple Address
Shree Sidh Shakti Peeth Shanidham / Shani Dham Temple,
Shree Shani Tirth Kshetra,
329, Asola, Fatehpur Beri,
Mehrauli, New Delhi,
Delhi – 110074.
Devotees visit this temple to seek fulfillment of the following:-
- Salvation
- Wealth
- Relief from diseases
- Purchase of vehicles
- Gain Knowledge
Palasha Pushpa Sankaasham Taarakaa Graha Mastakam Rowdram Rowdraat Makam Ghoram Tam Ketum Prana Maa Myaham
Meaning -I pray to Ketu, who looks similar to the Palaasha flower, who is the head of the stars and planets, who is scary and violent.
The temple is open from 11:00 am to 02:00 pm and from 03:00 pm to 07:00 pm.


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Louise Tocimak
Louise Tocimak, 86, of Colonial Courtyard, Clearfield, PA and formerly of Osceola Mills, PA died on Monday, August 20, 2018 at the Colonial Courtyard in Clearfield, PA.
Born on August 25, 1931 in Philipsburg, PA, she was the daughter of the late John Petuck, Sr. and Gertrude P. (Cartwright) Petuck. She married Andrew Tocimak on July 21, 1956 in Osceola Mills, PA: he survives in Clearfield, PA.
She was a member of the Presbyterian Church of Osceola Mills, PA.
Louise had worked as a dental assistant at the Harkins Dental Office in Osceola Mills, PA and as a real estate agent for New Horizon Real Estate. She was a 1949 graduate of the former Osceola Mills High School and graduated in 1954 from the Lawton School for Medical Assistants in Hollywood, CA.
She was a member and past president of the Presbyterian Women's Association, an ordained deacon and elder of the church, a member of the Auxiliary of the Presbyterian Home, a member of the Osceola Mills Friends of the Library, a member of the Osceola Mills Women's Civic Club and the Osceola Mills Historical Foundation serving as president from 2004 to 2006.
In addition to her parents, she was preceded in death by: an infant son, Aaron Tocimak; and a brother, John Petuck, Jr.
Along with her husband, she is survived by: one daughter, Marjorie O'Neill & her husband Charles of Beaver, PA; one son, Andrew "Drew" Tocimak & his wife Maureen of Philipsburg, PA; five grandchildren, Andrew O'Neill & his wife Danielle, Caroline O'Neill, Samuel O'Neill & his wife Sydney, Kaitlin Tocimak, and Callie Tocimak; three great-grandchildren, Coraline, Hugh and Martin O'Neill; and a sister-in-law Jane Petuck of Bellefonte, PA.
The Funeral Service will be held on Friday, August 24, 2018 at 11:00 a.m. at the Presbyterian Church in Osceola Mills, PA: with Rev. Robert Bruinooge officiating. Burial will be at the Umbria Cemetery in Osceola Mills, PA.
Visitation will be held on Thursday from 5:00 to 8:00 p.m. at the Heath Funeral Home and Cremation Services, LLC in Osceola Mills, PA and on Friday from 10:00 a.m. to funeral time at the church.
Memorial contributions may be made to: Presbyterian Church of Osceola Mills, P.O. Box 235, Osceola Mills, PA 16666; or Osceola Mills Historical Foundation, 600 Lingle Street, Osceola Mills, PA 16666.
To sign the online guestbook go to: www.heathfuneral.com


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by Olasunkanmi Macklin
A skill is the capacity to do something well in technique and creativity.
Skills are usually acquired or learned, as opposed to innate abilities.
Vocational skills are specialised knowledge that gives an edge in life.
A vocational school provides specialized training for achieving success in life.
Today's article is to stress the need for all parents to make a choice.
Embrace vocational skills for your children.
In the beginning, vocational skills were the main thing for everyone.
At that time, every family had a vocation they were known for.
There were the Smiths, known for smithing gold, iron, and copper.
Carpenters were the best and most skilled woodworkers.
The bricks, builders, and masons were those familiar with building.
It worked in the beginning, and it can work again for our benefit.
We have classified the work into professional and non-professional categories.
We erroneously categorized vocational skills as unprofessional.
Our parents don't see value in the acquisition of these vital skills.
No wonder now there is a dearth of great artisanship that thrills.
Yet, those who chose to acquire the skills now earn so much in bills.
Nigeria's economy today needs the vibrancy of this sector.
Many so-called unskilled jobs are contracted out to foreigners.
No thanks to the misdirection of parents and teachers alike,
We have replaced hand skills with head theories and the like.
If things change, we must be prepared to change also.
The way forward now is to give our children vocational skills.
Let's begin to reposition our children towards skill acquisition. .
The future of everyone lies in accepting their nature to be nurtured.
It is not out of place to have a welder, plumber, or carpenter son.
In fact, a hairdresser or seamstress daughter may thrive more.
than so-called professionals who are unsatisfied in their core.
Vocational skill acquisition can be introduced during vacation.
You can start by first identifying the children's interests.
Train them and let them focus on their interests.
They'll come in song as they are made to belong to the throngs.
That's not only thriving in theories but excelling in practicals.
This is the clarion call to all parents.
Expose your child to vocational skills now.
It will thrill them and help pay many of the bills as they grow.