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By Norman J. G. Pounds
The critical topic of this ebook is the altering spatial trend of human actions over the last 2,500 years of Europe's historical past. Professor kilos argues that 3 elements have made up our minds the destinations of human actions: the surroundings, the attitudes and types of social association of the various diversified peoples of Europe and finally, the degrees of expertise. in the vast framework of the interrelationships of atmosphere, society and expertise, a number of very important topics pursued from the 5th century BC to the early 20th century: cost and agriculture, the expansion of towns, the advance of producing and the position of alternate. Underlying each one of those subject matters are the discussions of political association and inhabitants. even if the booklet is predicated partially of Professor Pound's magisterial 3 volumes An historic Geography of Europe (1977, 1980, 1985), it was once written specifically for college kids and readers drawn to a normal survey of the topic.
Read Online or Download An Historical Geography of Europe (Soviet and East European Studies, 79) PDF
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Extra info for An Historical Geography of Europe (Soviet and East European Studies, 79)
Sample text
About half the population of the Athenian polis must have lived outside its central city. Most appear to have had their homes in compact villages, though there were also scattered farmsteads and large estate farms like the one described by Xenophon. 7 There were also isolated steadings in the mountains where the shepherds and charcoal burners lived and worked. The settlement pattern must have been broadly similar throughout the Greek world. In their hinterlands, however, were large villages tightly clustered on protective, hilltop sites, such as have survived until today in many parts of Mediterranean Europe.
C. must give a perhaps disproportionate space to the distribution of the Greek city-state — the polis. Through it the Greeks looked at the world, and it shaped their agriculture, crafts, and trade. A great deal is known about the polis, but rather less of the agriculture and crafts pursued by the Greeks and the commerce which they carried on among themselves. Nevertheless, each of these fields of human activity is discussed and its spatial distribution and interactions examined. The chapter has not been organized in such a way that it separates the world of the Greeks from the barbarian world.
There was little summer feed for animals, which more often than not were moved up into the mountains during the hot season. The Mediterranean region was always, until modern times, in the forefront of cultural progress. The first great civilization developed in Greece, and it was in the southern Balkan peninsula that crops were first grown in Europe, metals smelted, and towns built. Travel was easy within the Mediterrean basin. The sea was almost tideless, and its storms never had the violence of those experienced in the Atlantic Ocean.


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Errwood Fly Fishing Club
Errwood Fly Fishing Club (EFFC) is a members' club founded in 1970, soon after the River Goyt dam was constructed to provide drinking water for Stockport. The reservoir occupies 85 acres in an area of outstanding natural beauty in the Peak National Park between Buxton, Whaley Bridge and Macclesfield.
Fishing rights to Errwood Reservoir include the three feeder streams that form the headwaters of the Goyt.
As of 2016 the Club also has access for members to Fernilee Reservoir.
There is ample parking and plenty of fishing just a few yards away. For anglers who do not enjoy a long walk, the close proximity of a gently sloping bank is much appreciated. Friendship and a chat about angling supplement a fine fishing venue.
Joining Errwood is easy, just have a chat with one of our Committee members or use the Club's contact page for any queries relating to club membership.
As with any club there are rules and regulations that we have to adhere to for legal, insurance, environmental and administrative reasons, but also rules we have put in place to maximise your day's enjoyment while offering a fair angling experience for both members and visitors.
Before fishing please familiarise yourself with the Club's Rules and Constitution and also read the EFFC Code of Practice.
EFFC cannot survive without the support and efforts of its members. We have a friendly atmosphere within the club and a great relationship with the Errwood Sailing Club and the Buxton Sea Cadets , with whom we share access to the water. If anyone is interested in assisting with the running of the club please contact any of the club bailiffs or committee members.
EFFC would like to thank the following members of the current committee for their continuing support of the club.
Dave Hamnett (Chairman)
Gordon Booth (Vice Chairman)
Duncan Mackenzie (Secretary)
Henry Phillips (Treasurer)
Dave Fowler (Fisheries Officer/Head Bailiff)
Tom Fricker (Bio Diversity Officer)
Mick Prince (Works Officer)
Don Hough (Events Manager)

subset: commoncrawl


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Here are a few resources for teaching and commemorating Constitution Day – or teaching about the Constitution any day!
Tag: museum
Constitution Day Resources
Here are resources that you can use to talk about the Constitution with your students on Constitution Day or any time.
You're Invited to Our Annual Educators Open House!
Join us for a night of fun and learning about our education resources on Thursday, September 21st at the National Archives Museum in Washington, DC.
Summer Workshop: Teaching the Vietnam War through Documents, Photography, and Poetry
The National Archives and the Academy of American Poets have partnered to produce a dynamic summer teacher workshop on the subject of the Vietnam War.
"A New Day For LBJ" Workshop at the LBJ Library
Register for this workshop exploring the museum at the LBJ Libary in Austin, TX. Topics include primary sources in the classroom, pre- and post-visit activities, and content covered in the exhibits.


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If your friend is hurting, starting a real conversation about what they're going through may be the most helpful thing you can do. Here are some tips on how to start one.
The Obama administration's liaison to the LGBTQ and Asian American and Pacific Islander communities shares insights about how we can take a stand against bullying and build resilience in LGBTQ communities.
Get tips and resources from OptionB.Org emailed to you or sent straight to your phone.


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Windhoek, 23 May 2018 – After travelling more than 4000 km, the Tshwane Legend Bikers Club (TLB) Kavango Zambezi Transfrontier Conservation Area (KAZA TFCA) tour officially concluded in Gaborone, Botswana.
Windhoek, 7 May 2018 - Namibia Wildlife Resorts (NWR) has appointed Ms Talita B Horn as its new Chief Financial Officer (CFO) as well as Ms Julia Mutumbulua as its new Chief Human Capital Officer (CHC) as of the beginning of May 2018.
Windhoek, 25 April 2018 – Last week Friday, Namibia Wildlife Resorts (NWR) through its Corporate Social Investment initiative took a step further in complimenting the efforts of the Namibian Government in assisting some marginalised communities.
Windhoek, 27 March 2018 - Namibia Wildlife Resorts (NWR) recently held an awards ceremony at its Gross Barmen Resort aimed at awarding its top performing tour operators.
Windhoek, 12 March 2018 - Namibia Wildlife Resorts (NWR) recently increased its day visitor entrance fee at Gross Barmen Resort to N$ 200.00 per person (pp).
Windhoek, 5 March 2018 - Namibia Wildlife Resorts (NWR) vehicle operators recently underwent an advanced 4x4 driving skill training from Indongo Toyota in Southern Namibia with the sole purpose of refreshing their vehicle handling abilities. The drivers were shown how to get the most of their 4x4 vehicles in different environments with great ease.
Windhoek, 12 February 2018 – Namibia Wildlife Resorts (NWR) will be hosting the Tshwane Legends Bikers Club (TLB) from Gauteng, South Africa on a nine-day tour of all the Kavango Zambezi Transfrontier Conservation Area (KAZA TFCA) countries.
Windhoek, 11 January 2018 – With the economic headwinds that Namibia is facing, Namibia Wildlife Resorts (NWR) is grateful at the number of domestic tourists that did not let the financial challenges prevent them from visiting some of their well-known resorts during the past festive season.
Istanbul, Turkey, 14 December 2017– Namibia Wildlife Resorts (NWR) is thrilled to have come out tops in the first-ever Office of the Prime Minister's (OPM) Citizen Satisfaction Survey (CCS) carried out by the Harold Pupkewitz Graduate School of Business at the Namibia University of Science and Technology (NUST).
Windhoek, 20 September 2017– Namibia Wildlife Resorts (NWR) and Namibia Tourism Board (NTB) have just returned from the South African Airways (SAA) Africa Showcase.
Windhoek, 04 September 2017 – At the recently concluded Ongwediva Annual Trade Fair (OATF), Namibia Wildlife Resorts (NWR) was awarded for being the Best Overall Exhibitor: Tourism and Hospitality Industry.
Windhoek, 22 August 2017 – Over the past few months, Namibia Wildlife Resorts (NWR) has been working hard at enriching its offering at its Gross Barmen Resort with the aim of enhancing guest experience due to its proximity to Windhoek and Okahandja. One of the major achievement was the arrangement between NWR and the Ministry of Environment and Tourism (MET) to introduce wildlife at the resort.
Windhoek, 27 July 2017 – Namibia Wildlife Resorts (NWR) would like to notify its stakeholders and public that Mrs Zelna Hengari, NWR's Managing Director has been booked off on medical leave starting from 26 July 2017 up until 25 August 2017.
Windhoek, 18 July 2017 – Lahia Tshuuya is the embodiment of service at the Central Reservation Office (CRO) of Namibia Wildlife Resorts (NWR). Having been one of the few individuals to see the birth of NWR from the Ministry of Environment and Tourism to what it is today, one can safely say that she has seen it all and has enjoyed every moment of it when she speaks about her journey at the tourism company.
Windhoek, 4 July 2017 – It is a known fact that tourism is an important industry in Namibia. It currently contributes significantly towards the Gross Domestic Product, making it a valuable sector within the country. Unlike other segments that have not been spared by the tough economic challenges the country is going through, the tourism industry has witnessed a tremendous boost over the past two years.
Windhoek, 19 May 2017 – Namibia Wildlife Resorts (NWR) would like to inform the public that the situation concerning the availability of fuel at /Ai-/Ais Hotsprings Spa resort has been resolved
Windhoek, 19 May 2017 – Namibia Wildlife Resorts (NWR) would like to inform the public that it is currently experiencing some challenges with fueling its client's cars at /Ai-/Ais Hotsprings Spa resort. However, NWR is currently working hard to rectify the situation in the swiftest possible manner to avoid inconveniencing its clients any further.
Windhoek, 16 May 2017 Namibia Wildlife Resorts (NWR) recently appointed Mr Christopher Isaaks as its new Food and Beverage Specialist, effective 01 May 2017.
Mr Isaaks was previously employed as the Executive Chef at Midgard Country Estate prior to coming on board. He joins NWR with vast international and local culinary experience, having had the rare opportunity to cook for the Yeoman Warders Annual Dinner at the Tower of London in 2010 and 2011.
The 2011 dinner was attended by Her Royal Highness Princess Anne Elizabeth Alice Louise who is the second child and only daughter of Queen Elizabeth II and Prince Philip, Duke of Edinburgh.


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by Christina
About 2 months ago I was trying to move my boyfriend's motorcycle (out of spite, trying to make a point, I'm 105 lbs) which is about 800 lb and I slipped on the grass and the whole bike fell on top of me; I was screaming in pain. My boyfriend lifted the bike off of me as he came running outside hearing me scream and I could not walk on my foot for about 2 days. After that I could gently walk on my foot just a tiny little bit. After that I used crutches for about a day or two because it became unbearable to walk on my foot; my whole leg was in terrible pain while I was using crutches.
I smoke to someone for about 10 minutes and my whole foot from about my calf down turned purple. I didn't think much of it I went home put my leg up put ice on my ankle and the next day my foot and leg felt fine so I was walking on it and everything. At the time I was babysitting so I had to carry an infant around so if I sat down for more than 5 minutes or so when I would get up I would be thrown off balance because I wasn't used to the pain in my foot.
It has gotten a lot better now; my ankle is still very swollen and I have agonizing pain in my leg and ankle from time to time. I just want to know if it was bruised or sprained to the best of your knowledge. I did not seek any medical assistance due to the fact that I did not have a job or Health Care at the time so I could not afford to go to the doctors. Since I'm now working a full time job I can afford to go to the doctors, if you I think it is necessary; thank you in advance.
Hello Christina,
Apologies, but I've been on leave.
If after two months, and it's now nearly three, it's still very swollen, and you have 'agonizing pain' periodically still, then yes I think you need a professional opinion from someone experienced in working with trauma to the lower leg.
Whilst there are chiropractors who qualify, finding someone experienced enough would be difficult, so my recommendation is an orthopaedic specialist. You may well have fractured something, and certainly with all that bruising at least torn and emaciated some tissue.
You don't want to be left with a lifelong problem.
Mm, out of spite. Says something, eh!
Let me know what transpires.
Dr B
Join in and write your own page! It's easy to do. How? Simply click here to return to Chiropractic help Questions (General).
Did you find this page useful? Then perhaps forward it to a suffering friend. Better still, Tweet or Face Book it.
Interesting challenges of the day
1. Mr S is a 76 year old man with neck pain of some 9 months duration. Luckily, most of the discomfort is upper cervical which is only rarely arthritic; his lower cervical spine is a degenerative mess that I have left alone. After seven treatments his pain and stiffness is 50 percent better, and he is happy in the circumstances. He can sleep through the night now and that makes a huge difference.
2. Mr P is 32 year old man with very severe lower back pain radiating to the big toe which is 30 percent numb. He had an episode three weeks ago, took anti-inflammatories and was soon better as is typical of the medial disc herniation. But before it healed, after a trivia it came roaring back, much worse. The characteristic crossed sign was evident; sitting in a chair, straightening the right leg provoked severe left back pain and tingling in the leg. He is doing well.
3. Severe lower back pain is scary; just ask Mrs P. Just watching her get out of the car I she was in trouble; she had a slipped disc at L4 making her lean towards the opposite side; luckily she had no pain in the leg. Despite family pressure that this was far too severe for a chiropractor, she persevered. Within five days she was standing upright, and after two weeks almost pain-free.
Despite a hectic job, she wisely took my advice and stayed home for what I call exercising bed rest.
4. Mr S has had lower back, groin and back of thigh and calf pain for fourth months.
He has a pincer deformity in the hip causing the stabs in the groin, and a degenerative facet causing the sciatica. Both are responding well to chiropractic and he is well pleased; sixty-five percent better after three treatments.
5. Mr T is a wise man; he has taken a warning TIA seriously and has lost 15 pounds, and has at least as much again to lose. A change to a low starch diet and half hour daily stroll has made the difference; but the walking is making his foot and back miserable. The expensive orthotic is hopeless; luckily his hips and back are fine, but he needs a simple heel lift; he has a short leg.
6. I too have had serious lower back issues, luckily fixed by my own chiropractor; so I too have to do my exercises, take care when lifting supers full of honey, gardening and using the chainsaw. Regaining the function of your spine is just as important as the pain.
7. My own granddaughter, only 7 is hypermobile giving her pelvic, knee and ankle issues. X-rays show a mildly dysplastic hip. Years ago we would have called it growing pains. She too regularly needs chiropractic care and luckily responds well. Increased range of motion is more difficult than too stiff in my opinion. Our care is for kids too.
8. This 65-year old lady is a serious gardener; every day she is bending, lifting and digging for 2 to 3 hours a day. It regularly catches her in the sacroiliac joint, so she has a treatment once a month that sorts it out. She does her lower back exercises faithfully.
9. This 88-year old lady is an inspiration; every day she is busy in the community. With a nasty scoliosis she manages very well with a chiropractic adjustment every six weeks and exercises faithfully done.
10. Mr X is a 71-year old retired man who wants to continue with maintenance care every six to eight weeks; he had suffered from two years of lower back pain when he first came a few months ago. He has no discomfort now after 8 chiropractic treatments, but is aware that danger lurks.
11. Mrs C has been having severe headaches, and taking a lot of analgesics. It is a non-complicated upper cervical facet syndrome, and she is doing well.
12. Mr D is a 38-year old year man with chronic shoulder pain after a rotator cuff tear playing cricket. It responded well to treatment, but he knows he must do his exercises every day; for two years he could not sleep on that shoulder.
13. Mr D, a 71-year old man, has a severe ache in the shoulder and midback since working above his head. Trapped nerve tests are negative but he has advanced degenerative joints of Luschka; after just two treatments he is 50 percent better. Can we reach 90?
And so the day goes; chiropractors should not be treating the elderly most medical sites state but that is so much bunkum.
Do you have a problem that is not getting better?
Are you looking for a different slant on your pain?
Do you want to pose a question?
CLS writes:
Greetings, Dr B.
You helped me quite some time back with a soothing and professional response which turned out to be exactly correct. I now consult a local chiropractor. You write a superb newsletter, too.
Your own unresolved problem. Pose a question
Knowing that up to 70 percent of the time the correct diagnosis is made with no examination, no special tests, no xrays, but just from the history, there is a fair chance I can add some insight to your unresolved problem. But at least 30% of the time, I may be quite wrong. Give plenty of detail if you want a sensible reply.
You visited this chiropractic help site no doubt because you have a problem that is not resolving and want to know more about what a DC does.
The quickest and most interesting way is to read one of my eBooks of anecdotes. Described by a reader as gems, both funny and healthful from the life and work of a chiropractor, you will love them. Priced right at $2.99, though Kindle fiddles the amount without telling me.


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Tag Archives: world travel
Overbooked :: Effects of Mass Tourism
Former New York Times and Washington Post correspondent Elizabeth Becker spoke in the Ralph Bunche Library at the U.S. Department of State about her research for Overbooked: The Exploding Business of Travel and Tourism, published in 2014. Here are … Continue reading
Posted in Books, Education, Geography, Tourism Business, Travel Tagged business of travel, culture, global citizen, travel journalism, world travel 2 Comments
Diego Rivera's Museum – Anahuacalli
Poet-musician-artist Patti Smith writes about a concert she played at Anahuacalli. Diego Rivera muses about his museum in Diego Rivera – My Art, My Life. An autobiography with Gladys March, The Citadel Press, New York, 1960, pp. 250-253. In this excerpt, he describes … Continue reading
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La Virgin Guadalupe: Patroness of the Americas
I first visited the shrine to La Virgin at Guadalupe on the fringes of Mexico City during the sweaty summer of 1976 with my parents. In 2006, I visited with my niece, the photographer sjlzocklein. In 2011, I started reading books … Continue reading
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Thumbs Up = What?
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In Buenos Aires: Argentine Flag Imagery
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Walking as Transportation
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Race Around the World in 1889: Nellie Bly and Elizabeth Bisland
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Offering superb comfort, the EA116 Swivel Lounge Chair is the ultimate seating for any modern workspace, designed by Charles and Ray Eames in 1958.
Part of the iconic Eames Aluminium Group, this EA116 Swivel Lounge Chair is one of the pieces that makes up this range, originally designed by Charles and Ray Eames for an art collector's private residence. A departure from their signature seat-shell style, these designs were leather and fabric stretched between an aluminium frame to create comfortable seating without elaborate upholstery.
Upholstered in premium leather in an array of colours, the EA116 is covered with soft, smooth aniline cowhide that showcases a flat grain, dyed-through for colour and lightly pigmented for a high-quality finish.
Characterised by a high backrest for added comfort, the Eames EA116 swivels for simple manoeuvring and has a seat height specifically designed to allow users to easily rise from the chair.


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Recent Updates
Sorry for the neglect; it's been a busy time! I got my Patreon up and running, and it updates regularly (almost daily). There's so much art being created I don't have much time to upkeep the site. However, I'm bound and determined to keep this place up and at least moderately updated. As such, I've done a little cleaning up. New images will be going up over the next few weeks. I'll finally get all the sections uploaded and working. So keep checking back; change is coming!
MHHO, M.A.Q. #041 are © Kim Samson 2019.


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On Tuesday, the Obama administration delayed the implementation of an executive order that would bypass a gridlocked Congress and allow up to 4.7 million illegal immigrants to stay without threat of deportation.
The delay came late Monday evening from U.S. District Judge Andrew Hennen in Brownsville, Texas, who ruled in favor of 26 states that challenged President Obama's immigration order. According to Reuters, the president said that the administration will comply with the federal judge's orders and delay accepting applications from illegal immigrants looking to file for deportation and work permits, which was set to begin last Wednesday.
In a press release from the White House, the Press Secretary asserts that "…the Supreme Court and Congress have made clear that the federal government can set priorities in enforcing our immigration laws—which is exactly what the President did when he announced commonsense policies to help fix our broken immigration system" and that "…the Department of Justice, legal scholars, immigration experts, and the district court in Washington, D.C. have determined that the President's actions are well within his legal authority."
This delay in implementation comes three months after President Obama introduced his original executive action that came only days after the 2014 mid-term elections. This major change in immigration policy contained two key elements. It would provide legal protection of undocumented parents of U.S. citizens and permanent residents who have lived in the country for a minimum of five years, removing the threat of deportation while also allowing many to receive work permits. The executive order would also expand the 2012 Deferred Action for Childhood Arrivals (DACA) program, which allowed immigrants under 30 years of age who arrived as children to apply for a deportation deferral, now making immigrants older than 30 qualify in addition to more recent arrivals.
Florida was one of the 26 states that joined the lawsuit against President Obama in opposition to his executive action which would put these policy measures into place. According to the Orlando Sentinel, the usually outspoken Florida Attorney General Pam Bondi is remaining surprisingly quiet on her decision to join this lawsuit. In a state where approximately 4 million of its residents are foreign born, according to the Migration Policy Institute, the new components of the President's executive action would likely have a direct impact on the state's economy.
State Sen. Darren Soto, D-Orlando, had called for Bondi to withdraw Florida from the lawsuit last week but has gone unanswered. "I plan on pushing legislation in the budgetary process to inhibit her ability to pursue this lawsuit," Soto told the Orlando Sentinel.
In addition, the Florida Immigrant Coalition is condemning Senator Marco Rubio for voting on bill HR 240, which included harmful amendments that could stop the implementation of the President's executive action.
In a press release Maria Rodriguez, Executive Director for the Florida Immigrant Coalition, said, "…this political theater is not the leadership we need and deserve. Senator Rubio is smart enough to know that this vote was symbolic, yet hurtful. But most importantly Senator Rubio, the son of immigrants, knows that 235,000 Floridians will have potentially life-changing opportunities with a work permit and driver's license. We are disappointed that he is turning his back on families he once said he supported."
By JEANETTE HOROWITZ / Staff Writer


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History of the Think Tanks on Poverty
In 2014, community members in Newark, including local leaders active with St. Vincent de Paul, gathered together to discuss what is keeping members of the community stuck in poverty. They knew that one more food pantry or one more clothing drive would not change the circumstances of people struggling to pay their bills each month.
The residents decided to form an organization that would respond to poverty in the community not through charity, but through community organizing. Together, we could work to make structural and policy changes that could impact the whole community, not just help people one at a time. The Newark Think Tank on Poverty was formed.
Since then, a 501c3 was formed called the Vincentian Ohio Action Network (VOAN) specifically focused on supporting this systemic change work. The Think Tanks on Poverty have also expanded from Newark to local Think Tanks on Poverty now in Perry County, Zanesville, Lancaster. The Think Tanks on Poverty have been featured in dozens of local and national news stories. We've led the charge to help pass various local and statewide policies. We've worked with community leaders, government leaders, and faith-based communities, holding numerous community meetings and events.
VOAN and the Think Tanks on Poverty work on community education, leadership development, coalition building, storytelling, strategy, and developing the power needed in the community to make the changes we seek -- one step at a time. We have obtained seats at the table and worked on a range of issues across Central Ohio, including addiction and recovery, housing and homelessness, criminal justice and reentry, broadband internet, and youth prevention.
The Think Tanks on Poverty seek to give voice to working and poor people to challenge the systemic issues that keep them in poverty. Systemic change is of two kinds -- We may change a policy or law, but the most important and long-lasting systemic change is when we change how decisions are made so they include working and poor people. While doing this primary work, we also attempt to address hunger, employment, transportation, housing, injustice, and other basic needs of our organizing members so that they may continue building the community.
This program has been made possible by the generous support of the Catholic Campaign for Human Development and St. Vincent de Paul Diocesan Council. VOAN and the Think Tanks on Poverty have also been supported in various ways by dozens of other local partners and local community funders who believe in our work.


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Dog's name and age: Snow and Bandit
Adoption Story:
Our family went to the adoption agency looking for one adult dog. However, we fell in love instantly when we saw the bonded pair, Snow and Bandit. They had been rescued after being found abandoned near the border of Mexico. When they were taken in, the puppies had mange, ticks, fleas, and were malnourished. In addition, they are allergic to almost every food available. Fortunately for our family, we were happy and excited to adopt both.
Snow and Bandit are always happy to see us when we get home. They offer so much unconditional love, they love to cuddle and give kisses! The puppies even share their love with the techs and vet at their veterinarian's office. The best Christmas card we received was from the veterinarian's office where each person signed and shared their own reason of why they adore our puppers.


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Plain Truth
In your interest.
Online Personal Finance Magazine
Unbiased Research
Hard Facts
Clear Analysis
No beating about the bush.
In the last 19 years, out of 13 times when the Sensex closed higher in the first week, on nine occasions it also ended the month in positive territory
How will January 2010 end for the markets? That seems to partly depend on how the first week ended. A study conducted by Moneylife has found that on most occasions, a positive start to the first week has led to the market gaining for the entire month of January. Over the last 19 years between 1991 and 2009, on 13 occasions the market made gains during the first week. Out of this, on nine occasions, the index also ended the month at a higher level. The Sensex has closed the first week of this year at a higher level, so this is a positive signal for investors. The phenomenon of the index closing higher at the end of the first week is explained by the fact that market participants start the New Year on a bullish note. Interestingly, of the nine times that the index ended higher for the first week as well as the entire month, on six occasions, it also ended the March quarter at a higher level.
What happens when the index ends the first week on a negative note? Interestingly, the same trend persists. Of the six times when the Sensex declined in the first week, on five occasions it also ended the month at a lower level.
As part of the UID project, the government plans to introduce a micro-payment platform that would allow for easy transactions in unbanked areas of the country. It will also create a nationwide network of BCs for enabling interoperability
The government's ambitious unique identity (UID) project, under the stewardship of Nandan Nilekani, proposes to introduce a micro-payment platform that would make use of mobile technology. This platform would enable business correspondents (BCs) to carry out instant transactions at the remotest places in the country. The BC model has been implemented by the government in its efforts to tap the unbanked population in the country, as a part of its financial inclusion measures.
This micro-payment platform would function through low cost devices (or micro ATMs), said Mr Nilekani at Monday's Banking Conclave 2009-10 in Mumbai. Also, these 'micro ATMs' would function as a network through connections with other banks across India. This would enable a person to instantly deposit or withdraw funds regardless of the bank associated with a particular BC. However, he mentioned that for this platform to become a reality, an inter-bank switch (similar to the National Financial Switch) would be required to make the system interoperable. Mr Nilekani pointed out that the National Payments Corporation of India (NPCI) would look into the matter.
Speaking at the conclave, Mr Nilekani said, "This will create a whole new paradigm in the financial inclusion process. What we propose is really creating, in effect, a low cost, high volume equivalent of an ATM network. This device will be based on a mobile phone connection and would be made available at every BC. Customers would just have to get their identity authenticated and withdraw or put money into their bank accounts. This money will not come from the ATM, but from the cash drawer of the BC."
Stressing the importance of having these BCs connected, he added, "It is essential that it is made an interoperable system. Customers should be able to go to any BC to withdraw money, regardless of who is the merchant bank of the BC. It is similar to the way bank ATMs operate. If we have these BCs connected, it would also lead to more competition, thus bringing down transaction costs for customers."
Mr Nilekani was also optimistic about the success of financial inclusion efforts, pointing out that various things are coming together at a very opportune and critical time to make it more feasible. These include the adoption of new technologies by the banking system, the spread of the mobile network, easy verification of identity supported by the UID project, the large flow of money between people through remittances or government welfare schemes and the regulatory environment being amenable to put things together.
Decades of battering (through unresolved grievances) and discomfort with automated systems have systematically driven investors away from the markets
If corporate governance was the big, burning issue after the global corporate scandals at the turn of the century, financial literacy is the burning issue today, when the world is recovering from an economic crisis caused by speculative excess...