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Don't just leave these kids to rot: More needs to be done to save this generation from rotting
These days, we all know a teenager who can't get a job, no matter how hard they try. One in five 16 to 24-year olds have left school and sit at home, not attending college or doing anything remotely worthwhile, twiddling their thumbs.
What a waste of an entire generation. The scale of the problem was exposed last week with the latest unemployment figures: 974,000 young people — the largest number since records began — are dumped on the scrap heap. Experts expect that figure will rise to 1.2 million within five years unless radical action is taken.
What can these kids usefully do to try and kick start their lives? They can rewrite their CVs till the cows come home. They can offer to do work experience for nothing and hope that Mum or Dad can afford to pay their fares. They could try and get on a college course — although a recent report for the Department of Education said that a third of these courses are absolutely useless and don't make kids any more employable.
Not enough being done: Experts predict that there will be 1.2million unemployed in Britain within five years if more unless drastic action is not taken
One newspaper has set up a website to try to match workers to jobs — but they found just 73,000 vacancies when a total of 2.5 million are looking for work. In this recession, the young have been hit the hardest, with nearly 200,000 out of work for more than a year. We owe them the chance to get a foot on the ladder of work and regain their self-esteem.
In his budget this week, George Osborne will announce 50,000 additional apprenticeship and 100,000 extra work experience placements — but these are sticking plaster tactics, and hardly going to have a big impact.
Our unemployed kids have been sold short by decades of educational experiment — their exam results are worthless, many are illiterate, they have limited social skills and no idea of the notion of service. They watch aspirational telly like the X Factor and deduce the way to get on is by dancing, singing and paying for a head full of hair extensions.
More from Janet Street-Porter For Mailonline...
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- JANET STREET-PORTER: The ludicrous woke luvvies can lecture us all they like but the people who really make the world a better place are the ones we never hear whining 04/02/20
Sir Terry Leahy, the former boss of Tesco, hit the nail on the head when he said that shows like the popular Apprentice series are about entertainment, not how business really operates. Trouble is, kids watch the shouting, bad behaviour and self-centred ruthlessness programmes like this promote, and think that's how you get on.
No, I want to scream, work is about fitting in, being part of a team, doing your best for your employer, not flouncing off when things don't go your way.
If television offers poor role models for young people, then the antics of our so-called 'public servants' are just as bad. There are now 20,000 earning over £117,000 a year, at a time when hundreds of thousands of their workers face redundancy. Their inflated perks, bonuses and pension plans are nauseating. After a series of criticisms from Community Secretary Eric Pickles and Local Government Minister Grant Shapps, about a quarter of these fat cats have reluctantly agreed to reduce their pay.
Some, like the grotesquely over-rewarded Andrea Hill, who runs Suffolk Council — annual pay and perks totalling £218,592 — have no intention of giving up a single pound. How does this repulsive woman sleep at night? She spends thousands of pounds of public money on having flattering pictures taken of herself and her key staff for 'communication' purposes — and the council don't even own the copyright!
Why can't every council boss do their bit for youth unemployment by funding work placements in every town hall and council office? A 10 per cent pay cut would set the ball rolling. Instead of closing libraries, cutting play groups, reducing litter collection and street cleaning, why not fund training schemes for young people to work part-time and learn how to operate in a team, how to acquire social skills and confidence?
Terry Leahy should be begged by ?David Cameron to take on the task of making this lost generation employable again. In the future, the Government says it wants to revive the old technical colleges, to teach plumbing, building and practical trades to kids from 14, but right now, we are storing up huge social problems if we don't reach out to the 1 million kids who have absolutely nothing to look forward to.
Have they lost track of reality
Tonight, on Channel Four, Britain's favourite grumpy old man, Richard Wilson, delivers a devastating review of our rail services (Dispatches: Train Journeys from Hell).
A Victor Meldrew strop ensues when a ticket inspector charges Wilson £139.50 for a full fare to Sheffield — simply because he's left his wallet containing his Senior Railcard at home.
This is exactly what happened to me last week. Travelling to York from London, the nice ticket inspector on the way up accepted my pre-purchased ticket with a senior discount, even though I'd forgotten my railcard. But the Nazi on the return journey pompously refused, even though I produced my driving licence with date of birth on it.
No laughing matter: Like Richard Wilson, I was recently charged after forgetting my Senior Railcard
Obviously there are dozens of JSP look-alikes busy swindling the East Coast line — I had to purchase an entirely new ticket for over £75! Even worse, there will be no refund at all on the pre-purchased ticket.
Well done to our money-grabbing rail operators for penalising pensioners who dare to forget railcards. Did you know that ticket inspectors get commission on the fares they flog on the train — which is why Victor Meldrew was punished.
Stop knocking Cherie Amour
Too much information? When Cherie Blair said recently that Tony 'still excites me in all possible ways' people reacted with disgust. But what is the problem?
Recently, I've been enjoying appearing on ITV's successful lunchtime show Loose Women, where a group of ladies of a certain age talk about issues of the day.
It only took a couple of weeks before a TV pundit had a pop at my teeth — but I can rise above that. What seems to enrage male critics (but not the audience) is when any women over 40 (or even 60) discusses sex.
For some reason, it's greeted with horror and revulsion, a sign of attention-seeking behaviour. You'd think we'd all whipped our kit off and revealed our wobbly bits instead of admitting, yes, sex is still important.
The latest middle-aged female to whip up a frenzy of disapproval is Cherie Blair, who dared to say that after 35 years Tony 'still excites me, in all possible ways'. Well? You could salute Cherie for defying the nation's appalling divorce rate by remaining happily married and monogamous for all that time. Instead, she's derided as an embarrassment.
I just don't get it. Every day, men in the 60s and 70s produce kids, and are saluted as virile super-dads. Talk about double standards.
The nanny state
Whenever I appear on Question Time, I'm always amazed by how many advisors and helpers most MPs need to get them through the experience. In Newport recently, a clutch of hungry helpers who far outnumbered the panelists swarmed over the pre-show sausage rolls. Funny how journalists regularly manage to appear on the programme without any briefing notes or hand-holders.
Further proof that MPs live a cushioned lifestyle in spite of their frequent moaning about workloads — Jack Straw, after 13 years in the Cabinet, is having to take a refresher driving course, after being driven everywhere at our expense.
I wonder if Mr Straw is also taking lessons in how to do the weekly shopping, make lunch and use the washing machine? If he's really brave he could try travelling in Standard Class on public transport — I doubt he'd be bothered in Coach B, the quiet coach.
Not impressed with Icorrect
Last week I sniggered at millionaire Sir David Tang's new website, Icorrect, which allows the rich and famous to correct untruths about themselves online.
Tang — who calls it 'the internet's first luxury brand' — appears to have attracted an impressive list of celebs, from Michael Caine to Kate Moss and Jemima Khan. But is the site quite the success it might appear?
Tang couldn't help blabbing in an interview that 30 of his mates were given a year's free access. The great unwashed will have to pay £650. This is one party I don't want to be invited to.
Most watched News videos
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Mental health refers to the way we think about things, how we feel and how we act on those feelings.
It is important to know that it is normal to have these feelings. However you are feeling, there are some healthy practices which can help you cope with your emotions.
Some emotions are easier to deal with than others. Learning to cope with these emotions in a positive way can help you live a happier and healthier life.
Some tips for minding your mental health include:
There are lots of ways to get your heart pumping!
Be around people who make you feel good for being you
Take some time out for meditation or relaxation
What we eat can impact on how we feel
It can help to write your feelings down
Remember, talking makes us stronger
If you feel that you are not coping well with your emotions, it can help to talk to an adult you trust. This might be a parent, an aunt or uncle, a neighbor, your school counsellor or a nurse or doctor.

subset: commoncrawl


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Fixed Income & FX Leader Summit APAC 2020
22 - 24 September, 2020
The Westin, Singapore
Past Media Partners (2018)
AIMA, the Alternative Investment Management Association, is the global representative of the alternative investment industry, with more than 1,800 corporate members in over 50 countries. AIMA's hedge fund and private debt fund manager members collectively manage more than $1.8 trillion in assets. AIMA draws upon the expertise and diversity of... Read More
The Asia-Pacific Structured Finance Association ("APSA") seeks to be a provide a platform for the views of the structured finance industry to be communicated to policy makers, regulators, standards-setters, market participants and investors. Our membership consists of regulators, investors, originators, banks, trustees, rating agencies, accountants, lawyers, academics and students. Our... Read More
Asia First
Asia First is a consolidator, procurement platform & marketplace for buying and managing financial publications, data, research, events & training, complimented by a front-end website and distribution platform featuring extensive finance news (including Asia First's own news stories) and other resources for professionals. The technologically advanced back-end procurement platform results... Read More
ASIFMA is an independent, regional trade association with over 100 member firms comprising a diverse range of leading financial institutions from both the buy and sell side, including banks, asset managers, law firms and market infrastructure service providers. Together, we harness the shared interests of the financial industry to promote... Read More
Barclay Hedge
BarclayHedge is a leading independent, research based provider of information services to the alternative investment industry. Founded in 1985, no other firm has been in the alternative investment database business for as long as we have. Barclay began publishing fund data for CTAs and hedge funds in 1989 and currently... Read More
Cbonds is the leading source of information on global fixed income markets. For over 12 years Cbonds has been providing market professionals with such information as bond database, quotes, indices, market news, comments and research. Cbonds provides constantly updated data, new features and financial instruments, new sources of information and... Read More
Cognito combines traditional PR and marketing expertise with cutting-edge monitoring, analysis and engagement technology, to deliver targeted, measurable campaigns that support your sales process. With offices around the world we offer global reach with coordinated local expertise. As TradeTech's official communications agency, we're offering all participants bespoke programs. Read More
Financial IT is a cutting edge financial technology magazine. We cover the latest trends and issues in banking, payments & cash management, securities services and trade & supply chain finance, as well as the technology/business solutions and market infrastructures that underpin those businesses. Visit our website https://financialit.net Read More
Global Banking & Finance Review
Global Banking & Finance Review is one of the world's leading online and Print Magazine covering Global News, Videos, Analysis, Opinion, Reviews and Interviews from the world of Banking, Finance , Wealth Management, Trading, Business, Technology and much more. Read in over 200 different countries and ranked below 15,000 globally... Read More
Global Trading Journal
Global. Multi-Asset. Industry driven. The GlobalTrading Journal is the premier global educational publication for the electronic trading industry and the FIX Trading Community's official journal since 2002. Drawn from the industry, GlobalTrading includes buy-side interviews, regulatory updates, exchange news, technical insight, pension fund analysis and updates on the most important... Read More
Hedge Connection
Hedge Connection has grown to become the most widely recognized and innovative marketing solution for the hedge fund industry. Our online fund database is powered by Morningstar and provides investors with access to over 7,000 hedge funds, fund of funds and CTAs. The Boardroom, our industry leading online community, is... Read More
ICMA is a membership association, committed to serving the needs of its wide range of members representing both the buy side and sell side of the industry. Its membership includes issuers, intermediaries, investors and capital market infrastructure providers. ICMA currently has over 500 members located in approximately 60 countries worldwide.... Read More
Kapronasia is a leading independent research and consulting firm focused on the Asian financial services industry. We help financial institutions, technology vendors, consultancies and private equity firms understand the impact of business, technology, and regulatory issues on banking, payments, capital markets, and cryptocurrency. Our research reports provide comprehensive, and actionable... Read More
NexChange is an innovation ecosystem-as-a-service, specialising in fintech, insurtech, blockchain, AI and healthtech. By creating a global O2O community, we create, market and invest in innovative products:● Innovation Studio – Creating or collaborating with partners to create strategically innovative products.● Product Marketing – Strategically and tactically marketing products... Read More
Smart Money Match
SmartMoneyMatch connects the global investment communitySmartMoneyMatch enables you to browse and list investment products, create a request for proposal, connect with and message other users, search and announce relevant events, find jobs, post vacancies or write articles.Moreover, all users have their profile page where your activities - as an investor,... Read More
The DESK
We need to talk about bonds. Liquidity has been sucked out of the credit markets by regulation. It can only be replaced by a structural change in the secondary market, or a change to the issuance model in the primary market. Neither is happening right now. Fixed income trading costs... Read More
The TRADE
The TRADE delivers insight to trading professionals at the world's largest asset managers and investment banks, and boasts an audience that includes buy-side dealers, high frequency traders, fund managers, sell-side brokers, FinTech innovators and regulators. Our content focuses on the day-to-day responsibilities of our readership, comprised of informed editorial on... Read More


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Following a surprisingly soggy week in the desert at the Waste Management Phoenix Open, the PGA Tour treks onward further to the West to one of my favorite annual tourneys—the Farmers Insurance Open at Torrey Pines. Stunning Pacific Ocean views, a major championship course, an incredibly stacked field and boom, we're in for a big week of PGA Tour action.
The Torrey Pines South Course is not only recognizable and memorable for its stunning ocean views, but also for its extra-beefiness as it plays 11,582 yards from the tips. Ha, ok yeah, a little sarcasm there, as it "only" plays 7,698 yards when fully tipped out, making it the longest course on Tour. The PGA Tour honchos usually gives the guys a "break" on a couple tee boxes each round, making it play in the 7,500 yard range. So yeah, at sea level, that's still a whole gulp full of beefiness. I just used "beefiness" twice in the same paragraph, yikes, we could be in for a wild week.
Note that the tourney is also played on the Torrey Pines North Course for one of the first two rounds, which at just 7,052 yards makes it seem like merely a pitch-and-putt for most of the field compared to its big brother the South Course.
A mixed bag for my picks last week as Gary Woodland and Scott Piercy greatly disappointed, but my Semi-Flier on Graham DeLaet was a solid play (t-7th) and my HOSEL-ROCKET BUST pick of last week's champ Bill Haas was spot on as he finished DFL of all players making the cut (76th).
Now, let's hop into some picks for this week:
LOCKZILLAS (Last Week: Woodland MC, Keegan t-17th)
Jason Day– Going chalky here with my first pick on the talented Aussie. Hasn't played since a "disappointing" t-17th at the Sony Open, which of course was only a relative disappointment as we all expect a top 5 or top 10 out of "Jase" each time that he tees it up. Day finished t-2nd here last year and t-9th the year prior, I'll flat out guarantee a top 10 this week with a solid chance at a top 3.
Gary Woodland– I'm going back to the well with Gary this week following his missed cut last week. Just because of one missed cut by one shot doesn't mean that all of a sudden his game is in shambles, as Gary had finished t-3rd at the Sony Open just two weeks prior and last year made 23 of 25 cuts in his PGA Tour starts. Oh yeah, and he lead here after 54 holes last year and then forgot how to hit a short iron on Sunday and finished t-10th. Last week's missed cut will have him coming into this week under-the-radar, I wouldn't be surprised whatsoever to see him in contention again on Sunday this year.
SEMI-FLIER (Watney MC, DeLaet t-7th)
Graham DeLaet– Don't look now, but this Canuck is starting to heat up, finishing t-30th at the Humana two weeks ago, then a quietly solid t-7th last week in Phoenix. Add in that he finished t-2nd here last year and t-9th the year prior (same finishes the past two years as Jason Day- interesting), and I like for DeLaet to contend again this year.
HOSEL-ROCKET BUST (Haas 76th)
Justin Thomas– Recently impressive, yes. Long-term potential, absolutely. Due for a down week? Check. Five straight top 25s and with new course after new course, tourney after tourney I know he has young legs, but eventually the putter goes cold, shots go awry and it leads to a weekend off. Time to fade young Justin for the short term.
DRIVER-OFF-THE-DECK BOLD PLAY OF THE WEEK (Piercy MC)
Dustin Johnson– Welcome back DJ. I normally wouldn't predict such immediate big things out a player who hasn't competed on Tour in six months, but DJ isn't a normal player. With all the physical and naturally-gifted talent in the world added in with his renewed focus and rehabbed brain of his, I'm expecting huge things out of him this year. DJ is 3/3 in cuts made here at Torrey, including a t-3rd in '11. Also, when he was "injured" for that "jetski accident" back in '12 and missed nearly 3 months (that was his first cocaine suspension by the Tour folks, there was no "jetski accident"), he came back and immediately produced to the tune of a t-19th at the Memorial followed by winning the FedEx St Jude Classic the very next week. Most will be afraid to pick him due to being away for so long, whereas I'm telling you that now is the time to pounce. Dustin Johnson is your Driver-off-the-Deck BOLD play of the week!
Joel Harrington


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Samsung Electronics announced on Jan. 24 that it will pay its 224 semiconductor partner firms a total of 38.18 billion won (US$33.79 million) in "productivity incentives" and "safety incentives" for the second half of 2018.
The incentives for the second half of last year will be paid to 18,000 executives and employees of Samsung's partner firms in the semiconductor sector on Jan. 25. This is the highest figure since the company introduced the system in 2010. The receipients of the incentives are officials of excellent first-tier and second-tier suppliers that operate at each workplace of Samsung Electronics' device solution (DS) division.
Samsung Electronics has been offering customized training programs to its semiconductor partner companies, such as communication, leadership and occupational training, as well as incentives since 2017 in order to strengthen coexistence and mutual growth with them. The company is planning to increase the number of programs to more than 400 this year considering a high level of participant satisfaction.
Meanwhile, Samsung Electronics has been introducing the "productivity incentive" system since 2010 in a bid to encourage its suppliers to step up innovation activities related to production and quality.
The company has been also implementing the "safety incentive" system for suppliers related to environmental safety and infrastructure since 2013 in order to improve their executives and employees' safety awareness.


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The 12 Days of a Scout Christmas has become one of our favorite traditions on the Voice of Scouting, and we hope you will visit everyday, beginning Wednesday, Dec 13, to find inspiring Christmas messages based on the twelve points of the Scout Law.
We invite you to share these daily messages as special Christmas Scoutmaster minutes, campfire devotionals, or in weekly meetings. Perhaps a special Scouter in your life would appreciate a nice Christmas message from a friend.
For Scouts who celebrate other winter holidays, check back on the Voice of Scouting for Scouting messages on those celebrated days.
Read last year's 2016 Twelve Days of a Scout Christmas:
We hope you will join us in celebrating and sharing the 12 Days of a Scout Christmas you read. Then together, we, as Scouts (and all of us), can give the gift of being physically strong, mentally awake and morally straight.


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Look who it is?
Princess Androulla II
We have the pink pony right here in front of the microphones. Very cute and generous of you love.
Olympic Airwaves
The Legs of March
Shake shake shake that ass, bounce those tits gimme some more shake shake shake that ass bounce those tits gimme some more forereeveeer #Sakis pic.twitter.com/47k1arsCGt
— GQLive Radio (@GqliveRadio) March 20, 2019
https://t.co/wiNEHQs4xc pic.twitter.com/sS3ySxO2Me
— GQLive Radio (@GqliveRadio) March 25, 2019


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Secret Christmas Magic
From 691, Mike St.Mark and the New Dadaists
Monthly Archives: December 2005
London Dada Work No. 155; THOMSF 1 / Vision of Hell
Work No. 154; Mountain of the Dada King
Work 153
Work 152; Dead Dali Dada ( a posthumous collaboration)
Dead Dali Dada ( A 'Flash & Grab' Art Theft )
(Posthumous collaboration)
@ Dali Universe
c. SALVADOR DALI and Michael St.Mark; 2005
Flash-assisted photograph of a Salvador Dali oil painting and border on display in the West End with associated quote by Dali himself adhered to the presentation, below.
( This Work created and validated in the spirit in which it is offered by Dali )
Lightjet print on Kodak Pro Endura
10″ x 8″ ( unframed )
One worldwide
Work 151
3D Chest X Ray, cancer diagnosis?
( concrete work of 12 interlocking glass ash trays )
c. Michael St.Mark 2005
Work No.150; Subliminal Grim
Reconstituted post from 2005
Subliminal Grim
(c) Michael St.Mark 2005
Out and about in Barnet, N. London / Herts; an unfortunate advertisement, yet remaining subliminal to the vast majority, who observe purely retinally.
Signed print edition details tf
( Reconstituted post from London Dada's early years, temporarily lost due to cyber vandal Luca Asani's closure of Populis ( "Blog Forever" ) blog.co.uk platform, with the loss of a large and active online community almost 10 years in the making – and along with it millions of images, transferable to WordPress only in thumbnail form therefore having to be painstakingly replaced with the original large file size image for each post.. )


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Examination Promotion
What is the System?
Continuous and Comprehensive Evaluation refers to system of school based assessment that covers all aspects student's development. The comprehensive component CCE takes care of assessment of all round development of the child's personality. It includes assessment in scholastic and co-scholastic aspect in student's growth. Students will be evaluated both in scholastic and Co-scholastic areas as per the guidelines & norms of the CBSE.
Examination Reforms and Continuous and Comprehensive Evaluation (CCE) in the Central Board of Secondary Education:
"The Central Board of Secondary Education introduced Continuous and Comprehensive Evaluation (CCE) in Primary Classes in 2004 (Circular No. 5/18/25/04). The achievement records and its formats was also circulated for Classes I to V with the objective of facilitating holistic learning in the school. The focus was on identifying the talents of the learner and empowering with positive inputs. The Board recommended a five point rating scale; it also recommended the elimination of the pass/fail system at the primary classes (Circular No. 31/04/21/05).
The performance of the students in the primary classes will also be shown in GRADES (5 point scale) as per previous practice. The grades will be given on the basis of performance of the students in all the 6 tests. The new grading system is given below in Table-1.
Primary classes (NURSERY -V) (5 point scale) Table 1 (a)
Grade – 1 Outstanding A* 90% to 100 %
Grade – 2 Excellent A 75% to 89 %
Grade – 3 Very Good B 56% to 74 %
Grade – 4 Good C 35% to 55 %
Grade – 5 Needs improvement D Below 35 %
The Board has also followed it up by extending this scheme up to classes VI to VIII and developed a CCE card on School Based Assessment for the same Circular No./2/06). The scheme of Continuous and Comprehensive Evaluation (CCE) will be now further strengthened in all affiliated schools from October 2009. The Class IX students will be assessed through the CCE by the school itself. The AEES has also proposed to strengthen the Continuous and Comprehensive Evaluation CCE) scheme from the academic session 2010-11 in all its schools and in classes from I to X as suggested by CBSE (APC-2009-10). So long as further instructions/changes are not received from CBSE the following pattern of examination will be followed in AEES in all the classes. As per the new pattern, students will be assessed in two areas – Scholastic and Co-scholastic. Cumulative Grade Point Average(CGPA) would also be reflected in the Statement of Subject wise Performance /Certificate of Continuous and Comprehensive Evaluation.
Secondary classes (VI-X) (9 point scale) Table 1 (b)
Marks Range Grade Grade Points Marks Range Grade Grade Points
61 – 70 B2 7.0 20 and below E2
51 – 60 C1 6.0 [CBSE Circular No. 40/29.09.09]
Part 2 : Co-scholastic areas (VI to X): Evaluation of this area deals with the collection of evidences regarding the changes which occur in the learner's behaviour during the teaching learning process. Based on these evidences, interpretation and judgment, the progress of the learner is arrived at and decisions taken. There will be no written examination as far as co-scholastic area is concerned. Teachers in a group will observe the behavioural change in the learner and assign the grades. These areas consist of:
Skill Areas
2.a Life skills : Thinking skills: Social skills, Emotional skills: Scientific Skills
2.b Attitudes and values Attitude towards –teachers, school mates, school property, school programmes, environment, value systems.
Part 3 Co-scholastic activities
3.a Skills (Any two of the following to be assessed): Literary and creative skills; Scientific skills; Aesthetic and performing art, clubs (eco club, health and wellness and others)
3.b Health and physical education (Any two of the following to be assessed): 1. Sports/indigenous sports; 2. NCC/NSS; . Scouting and guiding 4. Swimming; 5. Gymnastics; 6.Yoga 7. First –aid; 8. Gardening/Shramdan
CBSE CCE System EXAMINATION REFORMS AND CONTINUOUS AND COMPREHENSIVE EVALUATION (CCE)
C – Continuous C – Comprehensive E – Evaluation
Continuous stands for assessment of a student throughout the year, not just at the end of a term. It may be done formally or in an informal way using different techniques of evaluation . Comprehensive takes care of assessment of all round development of a child's personality. A child will be assessed not only in terms of his knowledge about a subject but his participation in other activities also.
Broadly, we assess a child's growth in two areas – Scholastic and Co-scholastic.
The term Scholastic refers to those aspects , which are related to intellect or the brain. It is related to the assessment of learners in curricular subjects. It includes assignments, projects, practical etc.
cce 1 CCE System
The term Co-scholastic refers to those aspects which are related to hand and heart.
How will the assessment be done ?
A school session is divided into two terms: First term – April to September. Second term – October to March.
Each term has two Formative Assessments (FA) and one Sumative Assessment (SA). Syllabus covered in the first term will not be included in the second term.
cce 3 CCE System Time Schedule and Weight
First Term (50%) FA I – April to July 10%
FA 2 – July to Sept. 10%
SA I – End of Sept. 30%
Second Term (50%) FA 3 – Oct. to Dec. 10%
FA 4 – Dec. to Feb. 10%
SA 2 – End of March 30%
FA 4 will be conducted on the similar lines. PSA—FROM CBSE BOARD……MARKS WILL BE GIVEN BY BOARD.
Syllabus for SA 2 (March 2014) is available on CBSE website and known to students also.
FORMATIVE ASSESSMENT (FA) The record of FA will be maintained by the class teacher and subject teachers.
Formative assessment includes all types of tests, formal and informal. Assessment can be done during the teaching process or after completing a unit. It includes :
Oral test
Group discussion
Group activity
Conversation/ Interview
This is the most traditional way of testing that is paper pen test based on the curriculum taught during the specified time period. The question paper of SA will be set by the CBSE. The centre of examination will be the child's own school. Answer sheets will be checked by the school teachers.
GRADING SYSTEM: The performance of a child in scholastic area will be assessed in terms of marks. Marks will be known to the student but his report card will show grades only.
PROMOTION POLICY: Students getting grades D and above are eligible for the promotion in the next class.
Students getting grades E1 or E2 will be given three more chances by the board to get the qualifying grade. The student will prepare for the improvement exam at home only.
For admissions to class XI, school can decide it's own criteria.
OPTIONAL BOARD EXAM: Optional board exam is on demand only. Names will be forwarded by the school for the same on written request by the parents.
APTITUDE TEST: At the end of class IX and X, CBSE offers an optional aptitude test for all the students.
Names will be forwarded by the school for the same on written request by the parents. It is not co-related with the admission in class XI.
It is meant only to know the aptitude of your child.
PROFICIENCY TEST: PROFICIENCY TEST is an optional Exam conducted by CBSE .
Names will be forwarded by the school on the request of parents. It is not co-related with the admission in class XI.
CCE CERTIFICATE: After class X, a student will by a CCE Certificate. The certificate will be filled by the student and the school. The certificate will be signed by the student, principal and Board official. It carries student's profile, class IX performance and class X performance both the areas (scholastic and co-scholastic).
Students should keep the record of their achievements/participation in all the activities inside or outside the school.
It is mandatory for every child to appear in both the sumative exams. If for some valid reasons, one fails to appear in any sumative exam, he will be given a re-test. After getting qualifying grades he/she will be promoted to the next class.


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Back in the days, coders didn't have the convenience of stackoverflow or GitHub. You wanted to do something, you had to "invent" it yourself. We survived and thrived. Because we owned our source – and we understood it – every nook and cranny.Read More →
I get it. Who wants to to get audio or video screaming from a website unexpectedly? No wonder the web-browser developers thought to stop this nuisance. But their solutions creates a big problem for users and web-developers.Read More →


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Private equity company, Blackstone has acquired events venue operator the National Exhibition Centre Group (NEC) from LDC, the private equity arm of Lloyds Banking Group.
Founded in 1976, the NEC has grown into the UK's live events business of choice for organisers, exhibitors and visitors, playing host to over seven million guests and 750 events every year.
The NEC boasts Birmingham's National Exhibition Centre, the International Convention Centre, the Genting Arena and Arena Birmingham among its assets as well as caterer Amadeus and national ticketing agency The Ticket Factory.
LDC originally backed a management buyout of the Group in January 2015. Since then, it has supported a four-year transformation programme to enhance sites, facilities and customer experience and broaden the range of events across the Group's portfolio, supported by significant capital investment.
Paul Thandi, Chief Executive of the NEC Group, said: "Blackstone's track record in scaling companies, sector knowledge and unrivalled real estate capabilities, make them the ideal new partner for NEC Group to realise the next phase of our ambitious growth strategy. All of our teams and partners look forward to working closely with the world class team as we embark on becoming the definitive name in events and exhibitions, while continuing to focus on innovations and new customer experience offerings for all our customer groups."
Lionel Assant, European Head of Private Equity at Blackstone, added: "Under the leadership of Paul Thandi, a best in class management team and the support of LDC, the NEC has transformed its main site into a leading leisure, entertainment and business destination, which continues to benefit from a diverse customer base. We have tremendous respect for what has been achieved; NEC Group is iconic and we are excited about our new partnership as we look to leverage our firm's capabilities in support of the team."


text:
Making a Difference: Start Small
I've been disheartened since Election Day 2016. Disheartened is an understatement. I've felt powerless, angry, and fearful. But I've done what I can to take small actions and help myself feel better, more in control of the laws and policies of the world around me.
A dear friend in New Jersey had a similar reaction to our newly-elected government, and she decided to take it a step further. She told me she was going to run for a council seat in her borough. In the grand scheme of things, a council seat in a town borough doesn't seem to matter much, right? It's "just" town council, right?
My friend decided that it did matter, and she asked me to help her with her campaign. She lived in an overwhelmingly democratic community, yet the town council was entirely composed of republicans. Further, the entire council was male. They referred to themselves as "the town fathers."
My friend saw a way to make a difference and decided to work toward that change. I worked with her to set up her social media accounts and initial candidate statements, to set up her talking points with the press. I'm proud of the work she did and the ways she made meaningful connections with her neighbors.
Jess talked about how she knew the borough needed to pay attention to its roads because she turned her ankle jogging in a pothole. She knew the street lights needed attention because she walks to the commuter train every morning before it's light out. She formed a team of change-makers and they knocked on doors, talked to people in parks, had conversations during soccer games.
And she won!
She won't be shaping tax reform or legislating immigration policy, but she can make changes like putting council meeting agendas online for citizens to see. She can make redevelopment documents public so residents can see how their tax dollars are being spent. Small change matters and small elections lead to change people can see and feel in their everyday lives.
I'm proud of Jessica Dunne and I'm proud to have played a small part in her campaign!


text: ARSENAL legend Lee Dixon has blasted police who dismissed a vicious attack on a pal by moped-riding thugs. The ex-England ace said it was "outrageous" that cops emailed Bruce Berkley to close his case just four hours after it was reported. Lee Dixon said he was "outraged" by how police treated cycle mechanic Bruce Berkley Cycle mechanic Bruce, 49, was on his £9,500 bike heading towards Twickenham, South West London, while also pushing a client's £4,000 cycle. The thugs tried to grab the customer's bike, but Bruce bravely clung on as they dragged him along at 30mph. The attackers sped off when he fell to the ground on Wednesday. He suffered massive grazes on his arms and legs. Bruce was cycling to Twickenham with a client's bike when he was attacked by thugs Bruce tweeted the police email, which said there was insufficient evidence to continue. He said: "If they'd done this with a knife or gun, would the police dismiss it so quickly?" [bc_video video_id="5773833734001″ account_id="5067014667001″ player_id="default" embed="in-page" padding_top="56%" autoplay="" min_width="0px" max_width="640px" width="100%" height="100%" caption="Lee Dixon, Sol Campbell and David Dein reveal their admiration for Arsene Wenger"] Pundit Lee, 54, retweeted the post and wrote: "Outrageous. What is happening to our country?" It came on the same day we told how six cops posed with his ex-Arsenal teammate Ian Wright when his stolen car was found — while police were "too busy" to probe a break-in 500 yards away in North West London. GOT a news story? RING us on 0207 782 4104 or WHATSAPP on 07423720250 or EMAIL firstname.lastname@example.com


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The shoulder button (L and R) are not included.
Please refer to our FAQ page if you have further questions.
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Rice Salad with Gaea Green Olive Tapenade, Lentils and Herbs
A couple of weeks ago I received these fantastic products Gaea sent me to review. So the other day I decided it was time to cook something with one of the products. I used the Gaea oil in my salads but had to see how the green olive tapenade tasted especially because hubby is such a green olives lover. Check out how small this little jar is: However is so full of flavour and totally ok for the whole dish – a full pan of salad. Anyway here is the recipe and I hope you enjoy it as much as my family and I did: 4.0 from 1 reviews Rice…
Refreshing Summer Salad Recipe
Summer…hot weather…lots of lots of salad! If you know a bit about romanian you will know that they love a good cheesy tomato salad! I love the simple tomato salad with a bit of salt and olive oil but my overall favourite is the Bulgarian Salad! I am sure that if you ever been to Romania or Easter Europe you heard of it. Below is my version of the salad with lots of parsley and feta cheese! 5.0 from 3 reviews Refreshing Summer Salad Recipe Print Prep time 5 mins Cook time 5 mins Total time 10 mins Summer Salad Recipe Author: Otilia Stocks Recipe type: Salad/Main Cuisine: Romanian…
Vegetarian Potato Salad
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Spring Salad with Italian Dressing
I am sure I mentioned that I am now trying to change the way I eat in order to change the way I look. Only lost just a bit over a stone in the last two months but I am on the right path. I was hoping to lose a bit more weight but there were times when I indulge myself to eat cake and chips so i should not complain I guess. This salad that I am telling you about today is one that I've been eating quite a lot these last couple of months – easy to make and healthy and even my girls enjoy eating it. I am…
Mushroom Salad Recipe
A couple of days ago i was telling you how much we enjoy BBQ's in our family. One of the recipes we make then was this mushroom salad.As people asked me about it and they want to know the recipe i decided to write it up on the blog instead of sending private messages to all the people that ask. Ingredients: 300 g mushrooms 150 g of walnuts 150 g mayonnaise 2 cloves of garlic 1/2 cup of parsley salt and pepper Preparation: Wash, clean and cut the mushrooms depending how big they are. Boil them in a bit of salted water for about 10-15 minutes. When they are boiled…
Spinach salad and omelette
My husband and I really enjoy camping. When we become parents we decided that we will take our kids camping too. Holidays are so much better than being stuck in a hotel room. A very good alternative to camping are the Alfresco holidays though. I look at it as the half way between camping and hotels. A much better alternative actually because you can stay up while your kids are sleeping. I find that when we stay at a hotel my daughter is either wending up staying up too late or us as parents have to go early to sleep . Anyway, the reason I'm writing you today is because…
Tasty and healthy dinner
Now that I am on the Dukan diet (well I am on it since 2 weeks ago) I am trying to cook something healthy and appealing for the whole family. I am happy to say that the three of us enjoyed the salad with grilled chicken and beef:


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The Distance Duo Hire From £575
We have a huge passion for creating live acoustic music and love performing for crowds all over the UK. If you're looking for a live duo with a great acoustic sound we might be just what you're after...
We met back in 2009 and joined forces to create vocal harmonies with guitars, keys, ukulele, harmonica, hand percussion and, of course, our trusty loop pedals to add that 'bigger than you expect' sound when it's needed! We're versatile with our shows style and intensity, ranging from soulful background accompaniment to a more upbeat approach with percussive beats and big vocal effects.
Feel free to take a look around our site. If you have any questions or would like to check if we're available for your date get in touch, we'd love to hear from you!
Soph & Mat x
Take On Me
Little Talks
All I Have To Do Is Dream
Birdhouse In Your Soul
Running Up That Hilll
It Must Be Love
Big Yello Taxi
" A wedding must! Really enjoyed watching, listening and dancing to the The Distance at my Sister's wedding, something for everyone and they got the crowd going all night "
Thomas Maughan - 28th Jul, 2019
" Sophie and Mat are amazing! Brilliant music, fabulous people - so talented! "
Marta May - 12th May, 2019
" Hired this duo to play at my daughters wedding reception an they were fabulous. They sang songs from all eras, upbeat to slow. All of the guests were impressed, young and old. They helped make the day even more special. "
Julie N - 25th Apr, 2019
" Brilliantly original acoustic duo - The Distance are absolutely amazing! I would highly recommend these guys for your wedding band. "
Stephen McGowan - 3rd Mar, 2019
For your convenience we have put together a list of questions we are most frequently asked.
- How do I confirm my date? ↓
If you would like to book The Distance, we will need your full address and contact details along with your venue address. We will then send over a contract with full terms and conditions included. This will need to be signed and returned along with a single, non-refundable booking fee of £150 payable via BACS.
- Can I use the band's PA system for speeches etc? ↓
Unfortunately we can't offer this for reasons of hygiene, but your venue will be more than happy to provide you with aplification should you need it. If they are unable to do this, we are more than happy to recommend an audio/visual company for toasts, speeches etc.
- Do you have PAT testing and PLI insurance? ↓
Yes, We are fully insured until 9pm. if your venue requires a certificate for either of the above, please let us know and we'll be sure to send this over via email.
- What are your power requirements? We require 2/3 independent 13 amp sockets. Details will be included on the contract. ↓
We require 2/3 independent 13 amp sockets in order to use vocal and guitar effects like delay and harmony, but if you want us to play purely acoustic with just guitar and vocals, we can use a battery powere amp, meaning there will be no wall-power required.
Details will be included on the contract.
- Do your quotes include travel expenses? ↓
Yes, all quotes include travel expenses.
- Can I have a recording of my first dance, before the wedding? ↓
Provided we have enough notice, yes this is possible! The cost involved will be an additional £100 to cover studio time.
- Can you perform our first dance live? ↓
Yes, either you can chose a song from our existing setlist or pick a new song for us to learn, We'll need at least 2 months notice for your first dance choice.
- Can we choose a few songs for you to perform? ↓
You're welcome to send over a few of your favourite songs from our repertoire and we will try to include as many as possible into our sets for you. As a band we alter our set to suit the audience to ensure everyone has an amazing time.
- How long do you play for? ↓
We perform for Up to four songs of your choice for the wedding ceremony, 1 hour for the drinks reception, and 1 hour during wedding breakfast. We can also learn and perform your first dance if you desire.
You can book us for some or all of the above and price will reflect this.
- How long does it take you to set up? ↓
We will need a minimum of 1 hour to set up and sound-check. This is essential to ensure that our performance is of the highest quality.
- How much space do you require? ↓
How much space do you require?
We need a minimum of 4m x 3m performance space for live looping, but smaller spaces will be fine for purely acoustic music.
Duo Quick Summary
The Distance are a professional live music acoustic, country, indie, pop, rock, soul cover duo for hire based in Oldham, Lancashire but available for bookings across many areas of the UK. (see the areas covered tab)
The Distance will perform gigs at a number of venues and events which include birthday/anniversaries, charities, corporate functions, festivals, funerals, general parties and weddings.
If you are interested in hiring The Distance for your special event please use the e-mail form provided on this page for direct access.


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Intro to Outdoor Portrait Photography (Natural & Strobe Lighting)
Outdoor Portrait
If you want to practice your outdoor portrait photography skills, or just experience what outdoor portrait lighting is all about. Outdoor photography helps your creative possibilities by allowing you to try positives of natural light.
This workshop will begin with an introduction to outdoor photography and how to set up your camera. We will demonstrate lighting techniques with live model. Members will then have the opportunity to build their own lighting setup and photograph the beautiful model.
This workshop will cover:
Outdoor lighting terminology, lighting equipment, strobe lighting, speed-lights & Light modifiers (umbrellas, soft-boxes, etc.), Reflectors. Camera settings for outdoor lighting, light metering, Cable and wireless sync for strobes. Outdoor lighting white balance, Light setups for 1, 2, and 3 light portraits and Lighting tips & trick.
Recommended Prerequisite
We recommend that all members attending this workshop have a good understanding of manual exposure. If you do not have a good grasp on manual exposure, we recommend that you attend our Photography 102 (Manual Exposure) Workshop before attending this workshop.
What to Bring
For this workshop, members should bring their DSLR camera, lenses (50 mm or higher is recommended), fully charged batteries, memory cards, and a notebook to take notes.
You can also rent a Canon basic DSLR camera during the workshop for AED 50/only.
The Cost:
We always try to keep the costs of our workshops as low as possible.
The fee for this workshop is AED 499 which can be paid by cash or card.
PLEASE VISIT OUR WEBSITE TO BOOK THIS WORKSHOP: https://www.strapstudios.com/product/outdoor-portraits/
If you have any questions or need more details, please feel free to call or email us.
Email: [masked]
Shahid Saeed:[masked]
Anuj Taylor:[masked]
Abdul Aziz Samson:[masked]


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What is Viagra?
Viagra is the brand name for sildenafil citrate and is used to treat erectile dysfunction and pulmonary arterial hypertension.
Originally developed by scientists in the United Kingdom, it was brought onto the market by Pfizer Inc., an American pharmaceutical company.
Viagra is also sold under brand name Revatio.
Sildenafil citrate's chemical formula is C22H30N6O4S.
Viagra works by relaxing the muscles in the walls of blood vessels in certain areas of the body. In most cases, Viagra works well and has changed people's lives for the better.
In this article, we will look briefly at the effects of Viagra, why it is used, the side effects, and history.
Fast facts on ViagraHere are some key points about Viagra. More detail is in the main article.
- Viagra was initially designed to treat hypertension and angina pectoris.
- Viagra's main competitors are Cialis (tadalafil) and Levitra (vardenafil).
- Viagra pills are blue and diamond-shaped.
- Individuals with kidney disease should not take Viagra.
- Some people use Viagra recreationally, although it is not thought to have any benefit for people without penile dysfunction.
Viagra can help men who cannot achieve or sustain an erection due to erectile dysfunction. It improves the erectile response when a man is already sexually stimulated, but it does not provide sexual stimulation. If there is no sexual stimulation, viagra will not work.
When sexual stimulation occurs, nitric oxide is released by the nervous system in the erectile tissue of the penis. Nitric oxide stimulates an enzyme that produces messenger cyclic guanosine monophosphate (cGMP).
cGMP causes the arteries in the penis to dilate, so that the arteries and the erectile tissue fill with blood. An erection results.
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A viagra overdose can be serious, although death is rare.
The dosage will be different if the drug is taken for erectile dysfunction or for pulmonary arterial hypertension.
For erectile dysfunction, Viagra comes in blue, diamond-shaped pills, in doses of 25, 50, or 100 mg.
The individual takes a maximum of one pill in a 24-hour period, 30 minutes to 1 hour before sexual intercourse.
For pulmonary arterial hypertension, Viagra comes in white, round, film-coated tablets. People take one 20-mg Revatio tablet three times a day.
Viagra overdose
A Viagra overdose can be serious. If you believe you have had more than the standard dosage, call a doctor or local Poison Control Center.
symptoms of an overdose might include:
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Initially, Viagra was designed by Pfizer scientists working in the U.K. They were, in fact, working on a drug for hypertension, or high blood pressure, and angina pectoris, a symptom of ischemic heart disease.
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Viagra's meteoric rise to fame has seen it enter usage as an illicit drug. But, Viagra use in individuals without erectile dysfunction does not seem to have any effect. Although, researchers have noted that there is a significant placebo effect. On a similar note, there is no proven benefit for women taking the drug.
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Al Faisal University
Conventionally, the traditional curriculum approach is implemented to teach the medical curriculum. It consists of two years preclinical followed by three years of clinical studies. As medicine develops through the creation of a massive knowledge base, it became impractical for medical undergraduates to master all these sciences. Therefore, during the past decade the integrated curriculum has become the norm in North American medical schools, and is being widely adopted worldwide.
STUDY AIM: This study explores the students' perspectives on integrated curriculum and the key success factors for its implementation, therefore, helps the development of completely integrated curriculums.
We conducted a cross sectional study in which we collected the data through an anonymous, online survey administered to medical students of Alfaisal University in Riyadh, Saudi Arabia who studied for at least one year in a SPIRIL, hybrid-PBL integrated curriculum. We administered the survey to males and females from all college levels from first year to internship year (n=249).
249 students responded to our survey, out of which, ~42% reported not knowing what was meant by complete curricular integration; the remaining ~58% claimed to know what curriculum integration was, however, only ~44% of them were able to identify the correct definition outlining all the major components of complete curricular integration in the following question.
Out of the ~44% of students who understood what is meant by a completely integrated curriculum, a majority of ~83% perceives the integrated curriculum to be effective (p<0.001),
Moreover, out of students who understood what is meant by a completely integrated curriculum, a majority of ~61% believes the most important benefit of an integrated curriculum is that it helps students retain more knowledge and have a deeper understanding of concepts (p<0.001).
Out of students who understood what is meant by a completely integrated curriculum, ~44% believes that an integrated curriculum should be implemented in all years of medical school (p=0.001). In addition to that, majority of the students believes that the most effective method of implementing integrated curriculum is via PBL sessions (p<0.001).
Students find integration of basic and clinical concepts and integration across different study disciplines effective and important to their development.
Therefore, more efforts are need to be devoted to the development of effective complete trans-disciplinary integration models where the curriculum is completely both vertically and horizontally integrated all throughout the students' medical education journey.


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The DESEYE Hand Painted Eyewear reading glasses collection consists of thirteen shapes with over two hundred different designs. Among these stand out different female versions inspired by floral decorations of oriental origin, rather than the ethnic call of Indian colors and the luminous reflections of the rhinestones.
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Carhartt Carhartt Mens Quilted Flannel Lined Sandstone
Mens Tall Carhartt Irregular Quilted Flannel Lined
Galleon Carhartt Mens Quilted Flannel Lined Sandstone


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Isaiah Sykes is a 26 year old 198cm forward from Detroit, Michigan playing his third professional season and first with the Hebeisen White Wings Hanau. He started this season with Hapoel Gilboa Afula (Israel-National League) playing 4 games averaging 11.5ppg, 11.5rpg, 2.8apg, 1.5spg. Last season he played with accabi Hod Hasharon (Israel-National League) playing 25 games averaging 19.9ppg, Reb-2(14.3rpg), 4.9apg, 2.2spg, FGP: 59.9%, 3PT: 21.4%, FT: 34.5%. He started his professional basketball career in 2014 with U.S. Basket Recanati (Italy-A2 Silver) playing 28 games averaging 17.2ppg, 8.2rpg, 3.6apg, FGP: 55.0%, 3PT: 12.5%, FT: 55.2%; A2 Gold Playoffs: 3 games: 17.3ppg, 7.0rpg, 3.0apg. He played at Cent.Florida (NCAA) from 2010-2014 playing a total of 125 NCAA games and as a senior played 30 games averaging 17.2ppg, 7.2rpg, 3.5apg, 1.7spg, FGP: 48.3%, 3PT: 37.5%, FT: 54.0%. He spoke to German Hoops after his arrival in Hanau recently.
Thanks Isaiah for talking to German Hoops. 2017 has come and gone and we are already into February. Did you make any new years resolutions or are you the type of guy that doesn´t believe in that?
Just to continue to grow and take care of my daughter while building on my career.
Welcome to Germany and the Hebeisen White Wings Hanau. After a year in Italy and Israel, you have arrived to your third tour of duty now in Germany. What do you in general about the country and it´s basketball?
The style of play is different and more aggressive I love it and will adapt to it as the season progresses.
Do you have any friends playing in Germany and did anyone give you some useful advice about coming to Germany?
Yes I have some friends playing here in Pro A and Pro B as well as the BBL!


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Property division, along with child custody, is often one of the most difficult parts of a divorce. Some states view all property acquired during a marriage to be equally shared between both spouses. Tennessee, on the other hand, is an "equitable distribution" state. This means that the court will divide your assets according to each spouse's needs and contributions to the marriage.
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Welcome to Wrigley Hostel! We pride ourselves on being a friendly, clean, and affordable hostel that has created community atmosphere!
Our staff will gladly inform you of the best food, tourist attractions, and local specials in the city. The hostel has awesome amenities that will make you want to extend your stay. The hostel has great common areas that are perfect for socializing and relaxing. Join us on our event nights throughout the week! Whether it's Movie Night, Game Night or our weekly Pub Crawl our staff will always welcome you to join in on the fun.
Property Name: Wrigley Hostel
Address 1: 3514 N Sheffield Ave
City : Chicago - Illinois
Postal Code : 60657
Contact Name: Reservations
Phone: (773) 598-4471
Email: email@example.com
- Concierge desk
- Laundry service
- Lounge
- Printer
- Free Printing
- Free Baggage Storage (Before & After Check-out)
Check-In / Check-Out Policies
This property has the following check-in and check-out times and policies.
Check-In: 2:00 PM
Check-Out: 11:00 AM
Late Check-Out Hour: 12:00 PM
Late Check-out Fees: $ 10.00
Late check out (after 11:00 AM and before 12:00 PM) may result in a fee.
Property and Cancellation Policies :
All reservations made through other booking websites are non-refundable. Book direct for a more flexible cancellation option.
All guests must have a Passport or a US Drivers License card to provide at the time of Check-in. However, guests with an Illinois Drivers License with a 606 zip code are not allowed to stay at Wrigley Hostel.
Guests must pay with a Credit Card for the first night's stay at check-in.
All guests must be 18 years or older to stay at Wrigley Hostel.
Terms and Conditions
By confirming your reservation, you are agreeing to the charges as outlined in the confirmation email sent to you.


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When it comes to measuring a credit union's financial resilience, capital is important. It works as a bulwark against losses and as protection for members when a credit union is struggling financially. When looking at safety and soundness, the more capital, the better.
HEALTH CARE OF NEW JERSEY racked up 18 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, exceeding the national average of 15.65.
HEALTH CARE OF NEW JERSEY's capitalization ratio of 18.00 percent in our test was above the average for all credit unions, an indication that it's stronger than its peers.
Bankrate uses this test to estimate the effect of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
A credit union with large numbers of these types of assets may eventually have to use capital to absorb losses, shrinking its equity cushion. Many of those assets are also likely to be in non-accrual status and no longer earning interest for the credit union, resulting in depressed earnings and potentially more risk of a failure in the future.
On Bankrate's test of asset quality, HEALTH CARE OF NEW JERSEY scored 40 out of a possible 40 points, above the national average of 38.09 points.
A lower-than-average ratio of problem assets of 0.00 percent in our test was potentially indicative of superior financial strength compared to other credit unions.
How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, expanding its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in times of trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, HEALTH CARE OF NEW JERSEY scored 0 out of a possible 30, failing to reach the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, suggesting that it's beating its peers in this area.
Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.
Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.


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Graustark: The Story of a Love Behind the Throne
Chicago: Herbert S. Stone and Company, 1901.
First Edition. Hardcover (Original Cloth). Very Good Condition. Item #042913
ISBN: NoISBN
Slight rubbing to boards, a few isolated spots of browning and foxing; a nice attractive copy. With a clipped signature from McCutcheon laid in. First state of Mccutcheon's 1st novel and first in his Graustark series, with the error on page 150 and other points, pritned on laid paper with the H.S. Stone watermark. BAL 13501. With an old owner signature and the engraved bookplate of noted collector Nathan N. Wallack. Size: Octavo (8vo). Quantity Available: 1. Shipped Weight: Under 1 kilo. Category: Fiction; Signed by Author. Inventory No: 042913.
Price: $200.00


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Ph.D. Candidate in Economics
University of California, Berkeley
530 Evans Hall
Department of Economics
University of California, Berkeley
Berkeley, CA 94720-3880
Welcome! I'm a Ph.D. Candidate in Economics at UC Berkeley. My fields of interest are Public Economics and Labor Economics. I earned a B.S. and M.A. in Economics from Universidad Nacional de La Plata (UNLP), Argentina.
I will be on the job market in 2019-2020 and available for interviews at the 2019 EEA Meetings in Rotterdam and the 2020 ASSA Meetings in San Diego.
Emmanuel Saez (main advisor), Alan Auerbach, Danny Yagan
We exploit a large and quasi-randomized 2.5 year-long income tax holiday to identify intertemporal labor responses of high-wage earners to net wage changes. In August 2013, the Argentine government exempted a group of wage earners from the income tax and left the remaining group taxed until February 2016, when the tax break was repealed. Eligibility was based on whether past wage earnings were below a fixed threshold, creating a discontinuity that treated workers who coexist in the same labor market (even in the same firm) with sharply different marginal and average tax rates—effectively 0% for workers below the threshold. Using rich population-wide administrative data and a regression discontinuity design, we estimate a precise and very small wage earnings elasticity of 0.017 to this large, salient, and temporary income tax change. Responses are larger for more flexible outcomes (overtime hours) and more elastic groups (job switchers and managers). We also find avoidance responses from new entrants who faced no tax if their first monthly wage was below the fixed threshold. The strategic entry below the threshold to dodge taxes required coordination with employers. Our evidence challenges the standard model of labor supply and demand, and points toward rigidities in the labor market which requires employer-employee cooperation for wage earners to respond to tax changes.
We explore how the way in which tax credits are disbursed affects employer's behavior, wages, and employment. We exploit a change in the payment system that was gradually rolled out between 2003 and 2010 in Argentina. Under the old system, employers were intermediaries that paid family allowances to their employees together with their corresponding salary, and they were allowed to deduct this transfer from employer social security contributions. The new system eliminated the intermediary role played by employers and centralized the payments in a government agency that started disbursing the allowances directly to eligible workers. Using employer-employee micro-data and an event-study design, we show that the way tax credits are disbursed is not neutral. Our evidence suggests that employers shift part of the incidence of the transfer by paying lower wages. The effect is mostly driven by big firms and firms located in less dense areas (proxy for monopsonistic power). Our findings are therefore in line with the hypothesis that transfers are not all captured dollar for dollar by workers.
We estimate the response of firms and self-employed workers to two revenue taxes—Monotributo and Gross Receipts Tax—across the turnover distribution using rich administrative data from Argentina. We exploit several revenue-dependent discontinuities that provide incentives to underreport taxable income combined with a bunching design to estimate sales elasticities. We also explore heterogeneities by firm size, type of activities, and type of taxpayers. In the case of small firms, we find sizeable bunching below the thresholds that is stronger for higher tax incentives. The response is stronger in sectors that have more space for manipulation, such as service-based activities. In the case of medium and large firms, bunching is more muted but it suggests that even large firms are able to underreport their gross sales to avoid facing higher tax rates. Firms also seem to find more costly the indirect administrative cost of becoming a collection agent than the direct fiscal cost of the Gross Receipts Tax. We cannot rule out, however, that large firms adjust other margins (or taxes) to compensate for the higher tax pressure.
We disentangle the extent of imperfect competition in product and labor markets using plant-level data. We derive a formula for the ratio between markups and markdowns assuming cost-minimizing firms that face upward-sloping labor supply and downward-sloping product demand curves. We then separate this combined measure of market power by estimating firm-level labor supply elasticities instrumenting wages with intermediate inputs. Our results suggest that both markets exhibit imperfect competition, but the variation is mainly driven by markups. We also estimate the relative gains of removing market power dispersion on allocative efficiency, finding that markups are more important on TFP than markdowns.
WORK IN PROGRESS (pipeline)
Two understudied areas in Public Finance are the role of tax professionals and the role of networks in tax administration and enforcement (Slemrod, 2018). In this project I seek to answer two questions: First, whether it is more cost-effective to communicate tax preparers or taxpayers to improve tax compliance; Second, whether there are spillover effects from targeted to non-targeted taxpayers that form part of the same network (those sharing the same accountant). To that end, I run a large scale randomized communication experiment where I send deterrence emails to taxpayers and/or accountants (about 100,000 taxpayers in the treatment group and 900,000 in the control group).
We study the relationship between tax filings and tax withholdings for the Argentine gross receipts tax on businesses and we shed light on the role of tax preparers in that relationship. Firms have to file a gross receipt tax return every month through a centralized online platform and can (i) claim a refund if the amount withheld in advance (third-party reported by suppliers and clients) exceeds the tax liability, or (ii) remit the difference if the tax liability is higher than withholdings. Using rich administrative data we first document sharp bunching exactly at the point where tax liabilities (reported by the firm) equal tax withholdings (third-party reported) and argue that this pattern is due to strategic under-reporting of income so that the tax balance matches the withholding shown by the online platform. Second, by linking firms to tax preparers through shared contact information we study the role of accountants on this behavior. We analyze how correlated are the behaviors of firms who share the same accountant (network). We find a positive relationship between accountants and the bunching behavior observed on their clients. We also exploit information on past audits and show that, within a network, non-audited firms respond to their peer's audit, suggesting that tax preparers might act as diffusers of information across firms.
We study the efficiency and distributional effects of price controls. Despite the controversy surrounding the effects of this regulation, surprisingly little has been done in practice to test the contrasting predictions. In this project, we aim to fill this gap by exploiting scanner data and quasi-experimental variation from price regulations introduced in the Argentine retail sector in 2014. We first study the effect of price controls on the supply of targeted products, spillovers on similar products, and explore how it differs by the level of concentration in the product's industry. Guided by these results, in the second part of the paper we estimate markups at the product level and explore whether price controls can affect the level of concentration in the industry. In the third part, we study the distributional and welfare effects of price controls.
We analyze the economic effects of taxes on consumption goods highly demanded by high-income people. The identification strategy hinges on quasi-random variation from a tax on luxury cars applied to automobiles above a price threshold ("notch") in Argentina. This surtax went from 0% to 10% in 2008, then increased to 50% in 2014, and decreased to 20% in 2016. We use data from the automobile industry spanning the period 2003-2019 and a diff-in-diff design to estimate own-price and cross-price elasticities by comparing the sales of brand-models above (affected) and below (not affected) the price cutoff. Our estimates allow us to test the predictions from the Atkinson-Stiglitz theorem.
Anatomía del Impuesto a las Ganancias sobre los Asalariados: Argentina 2000-2016
In preparation for Revista de Trabajo (Ministry of Labor, Argentina)
Investment in ICT, Productivity and Labor Demand. The Case of Argentina
(with Irene Brambilla), World Bank Policy Research Working Paper No. 8325 (January 2018)
Growth in Labor Earnings Across the Income Distribution: Latin America During the 2000s
(with Irene Brambilla), CEDLAS, Working Papers 182, CEDLAS, Universidad Nacional de La Plata, 2015.
An Empirical Analysis of Mark-ups in the Argentine Manufacturing Sector
(with Irene Brambilla), Department of Economics, Working Papers 104, Departamento de Economía, Universidad Nacional de La Plata, 2014.
Female Labor Supply and Fertility. Causal Evidence for Latin America
CEDLAS, Working Papers 0166, Universidad Nacional de La Plata, 2013.
Measuring Poverty in Argentina: the Food Energy Intake Method
(with Malena Arcidiácono), XLVII Annual Meeting of the Argentine Association of Political Economy, 2012.
Other Publications
Fiscal Decentralization and Economic Integration in Mercosur: Argentina and Brazil
(with Alberto Porto, Natalia Porto), Latin American Business Review, 15:3-4, 225-252, DOI: 10.1080/10978526.2014.931787
"Glocalization" and decentralization. The role of local governments in the new international context
(with Alberto Porto, Natalia Porto), Urban Public Economics Review, num. 20, pp. 62-93.
Chapters in books
La Calidad de la Administración Tributaria como Insumo de la Función de Producción Recaudatoria
(with A. Porto and W. Rosales), In Porto A. (editor), Temas de Economía de los Gobiernos Municipales, Buenos Aires: Ed. DUNKEN. 2012. ISBN: 978-987-02-6003-5.
Teaching Assistant at University of California, Berkeley
Public Economics 131 (Prof. Alan Auerbach) /// Fall 2017 /// Syllabus
Public Economics 131 (Prof. Emmanuel Saez) /// Spring 2017 /// Syllabus
Econometrics 140 /// Fall 2016 and Spring 2016 /// Syllabus
Microeconomics 100A /// Fall 2015 /// Syllabus
Teaching Assistant at Universidad Nacional de La Plata (UNLP)
Labor Economics (graduate) /// Spring 2013
Topics in Advanced Econometrics (graduate) /// Fall 2012
Microeconomics II (undergraduate) /// 2012-2014
Econometrics I (undergraduate) /// 2011
ECON 131: Public Economics (Spring'17)
This page contains section notes and other course materials
for ECON 131: Public Economics taught by Emmanuel Saez.
Office hours: Fridays 3-6pm, 630 Evans Hall
Section notes
Section 1: Optimization Review -Updated 2017- /// (Solutions)
Section 2: Empirical Tools -Updated 2017- /// (Solutions)
Section 3: Tax Incidence and Efficiency Costs -Updated 2017- /// (Solutions)
Section 4: Labor Income Taxation -Updated 2017- /// (Solutions)
Section 5: Labor Income Taxation (cont.) -Updated 2017- /// (Solutions)
Section 6: Capital Income and Savings Taxation -Updated 2017- /// (Solutions)
Section 7: Externalities -Updated 2017- /// (Solutions)
Section 8: Public Goods -Updated 2017- /// (Solutions)
Section 9: Voting, Tiebout Model, and Local Public Finance -Updated 2017- /// (Solutions)
Section 10: Social Security and Insurance -Updated 2017- /// (Solutions)
Section 11: Moral Hazard and Social Security -Updated 2017- /// (Solutions)
Problem Set 1 /// (Solutions)
Problem Set 2 /// (Solutions)
Problem Set 3 /// (Solutions)
Problem Set 4 /// (Solutions)
Additional Practice [optional] /// (Solutions)


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Nadine Lustre
Nadine Lustre is on the cover of this weekend's The Philippine Star Supreme, photographed by BJ Pascual. Nadine stars in
Nadine Lustre, Maymay Entrata and Georgina Wilson are on the cover of Mega magazine's November 2018 issue, coming togetherfor Folded
At his first attempt at vlogging, Laurenti Dyogi (who is fondly called Direk Lauren in showbiz) revealed that Maine Mendoza
Real life love team James Reid and Nadine Lustre are on the covers of Garage magazine's special double edition for
Starring the JaDine love team of James Reid and Nadine Lustre, Never Not Love You has grossed P77-million as of April 10.
James Reid and Nadine Lustre are on the cover of Phil Star Supreme, April 7, 2018 issue.
Nadine Lustre is not only on the April 2018 issue of Preview.ph, Metro, and Mega, but she's also on the
Nadine Lustre is the April 2018 cover girl of Metro magazine, headlining its Metro Body Issue 2018. Nadine was photographed
Nadine Lustre is on the cover of Mega magazine's April 2018 issue, photographed by Mark Nicdao. The cover, just like
Nadine Lustre is the current digital cover girl of Preview.ph, photographed by Shaira Luna. She's wearing a Louis Vuitton dress
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