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With their son's 10th birthday drawing near, Manhattan Beach residents Pete and Allison Halvorsen did what most parents in the time of coronavirus do. They put the word out for a car parade … and prayed.
But this drive-by party came with a twist. After the cars rolled past … "Oh, my god," shouted birthday boy Luke, "It's a unicorn!"
Pete cranked up the song "One More Time" from Luke's favorite movie "Trolls World Tour" and the big pink unicorn responded by dancing in the street. Luke danced on the lawn. And, for a brief moment, everything returned to normal … well, as normal as things can be with a pink unicorn in your neighborhood.
"It gave us that connection that all of us have been missing," said Pete. Under that massive inflatable costume was teacher Heather Tuttle. And her little surprise has gotten big attention, including catching the eye of pop star/talk show host Kelly Clarkson.
"I have to hug this teacher," Clarkson declared on Twitter. "What a rad human!"
Clarkson's producers want to book her on the talk show, Tuttle said, and the Halvorsens, too.
For Tuttle, this sort of thing is just business as unicorn, er, usual.
"I just try to connect with students," said Tuttle, known around Meadows Elementary School as the unicorn teacher, "in whatever way I can."
She does that through her "spirit animal." She decorates her classroom with unicorns. She gives unicorn gifts. She dresses up as half-unicorn/half-Chewbacca for Halloween.
The unicorn, said Tuttle, is a perfect symbol for her special students. "A lot of our kids don't fit the typical mold," said Tuttle. "So, it's a good message for them that it's OK to be different and to be proud of who they are."
Tuttle has known the Halvorsen family for four years and has a strong bond with Luke. For the third-grader, who is on the autism spectrum, the safer-at-home order is particularly vexing.
It's big change for routine-reliant Luke, who along with dad Pete, mom Allison and 12-year-old sister Juliette, are all working or schooling from home. At one point, said Pete, each member of their family was on a separate Zoom call at the same time, from four corners of their home.
The next time the family takes a conference call, however, they'll be in the same frame – on national TV. "We love that Ms. Tuttle is getting some love from this because she's a great teacher," Pete said.
Challenging times call for the kind of connection, Tuttle said, that only a pink unicorn can deliver.
"It was just such as special moment to connect," she said, "in what is really a bizarre time time right now."

subset: commoncrawl


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Noodle Expert Jeffrey Koblenz talks about the time he decided against film studies and ended up in an unexpectedly challenging career in accounting.
I have always wanted to learn music. I never thought about having one teacher for a year, but since this is a fantasy, why not learn music from Mozart? I think that learning music theory and how to play on different instruments would be great. And, of course, learning music from one of the greatest legends could be a lot of fun!
The best advice I received is to work hard and not give up. Life can be challenging, but the best attitude is one that is positive and optimistic. It's fine to expect the best reward for your effort, yet accept what you receive with gratitude. Having both an attitude of gratitude for what you receive and perseverance to achieve your goals are the keys to success.
I would send a student who has never traveled to a place that interests the student. A travel decision should be based on the student's desire, budget, and time to travel. What do you want to experience? Is there a certain culture, history, climate, food, activity that you seek? I like adventure and look for all of these elements when planning my trips.
What is best for you? Ask yourself some questions: Do you want to see traces of history that are over a thousand years old? Would you like to be somewhere warm, say near a beach or in a desert? Do you prefer to be athletic, perhaps hiking mountains? Are you interested in a modern or ancient culture?
I learned that failing academically is a sign that I made a choice that was not in line with what I truly wanted to be doing. Toward the end of college, I can recall becoming very frustrated in my chosen major and much more interested in exploring the world of entertainment. I decided to enroll in a Film Art class, but I was more interested in acting and didn't really feel like doing the work in the class. Since the class was pass/fail and would not impact my GPA, I decided not to write the paper to pass this class. I actually chose to fail!
Ironically, I took a class that was somewhat interesting to me, but instead of applying myself, I used the experience to 'drop out' like a rebel. It was my way of 'acting out' before I would refocus on the serious coursework that I believed to be important and needed to graduate. Years later, I studied the art of film without the requirement to write a paper; it was more enjoyable.
I chose accounting because I thought it would be easy to find a secure, decent paying job with a bachelor degree. It seemed like a great choice for someone who wanted to be employed and earn a 'good living' without going for a post graduate degree.
I don't believe I expected the profession to be as challenging as it can be at the highest level of achievement. I didn't expect the need for estimation, judgment, and assumption in many accounting, reporting, and tax filing decisions. These concerns can keep an accountant very busy, working late hours and debating the proper treatment while striving to meet a deadline. Accounting standards and rules can be very complicated and subject to interpretation.


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Jesus answered them,
"I told you, and ye believed not: the works that I do in My Father's name, they bear witness of Me. But ye believe not, because ye are not of My sheep, as I said unto you.
My sheep hear My voice, and I know them, and they follow Me: and I give unto them eternal life; and they shall never perish, neither shall any man pluck them out of My hand. My Father, which gave them Me, is greater than all; and no man is able to pluck them out of My Father's hand. I and My Father are one. John 10:25-30
They have shown not only doubt, but also great contempt for Jesus and His teachings; not believing His words or His works. The religious rulers who worshiped their religion rather than the One who deserved the worship.
They had just asked, more like demanded, that Jesus show them He was the Messiah. They wanted Him to do some glorious thing. They were blind to the truth of who is was and is. He had already did mighty works which they tried to contribute to the power of the devil. They were in truth rejecting the teachings of Moses, and they claimed to be his disciples.
These verses of our text today are from the "Good Shepherd" text where Jesus says, "I am the Good Shepherd" (v. 14), and all who hear His voice are His sheep and they follow Him.
From the text above let us glean a few things from it.
First, Jesus works in His Father's name, and the works He does is His witness as to who He is. Second, these accusers do not believe Him and are not His sheep. Third, Jesus's sheep hear His voice, Jesus knows them, and they follow Him. Fourth, He gives those who are His sheep and follow Him eternal life. Fifth, all those who are His sheep will never perish, neither will they ever be plucked out of His hand. Sixth, it is His Father who gives Him these sheep. Seventh, none is able to pluck them out of the Father's hand. Jesus then tells us that He and the Father are One.
When you receive eternal life is at that moment you have in repentant faith called on the name of the Lord Jesus Christ, receiving His gift of grace given us by the death of Jesus on the cross, His burial, and He rising from the grave, and is seated at the right hand of God the Father (Hebrews 1:1-3). Do you hear His voice? Call out to Him.


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text:
wow. thirteen minutes.
in a matter of thirteen minutes yesterday all 650 of my blogposts were wiped off of facebook. it seems someone, in the matter of thirteen minutes, marked five of my blogs as SPAM and this must have triggered the facebook "community standards" filter which POOF eliminated everything. over two and a half years of writing. at merely an hour to an hour and a half each, that is well over a month of writing, 24 hours a day. vanished off of the facebook platform. because someone had a beef. i would call that cowardice.
cowardice (noun): a lack of bravery.
all because, i am guessing, someone disagreed with me for some reason and could not bring themselves to have an adult discussion about it. instead, this person chose a different approach, a way to end up censoring my words. cowardice.
i am not paid to write. i do not receive any money for writing. my catalogue of blogposts was written from my heart, from an honest and well-intended place. i am more than happy to entertain any dialogue about any topic, as long as it remains respectful and kind. i am more than happy to have a conversation. i do not take kindly to being censored. i do not take kindly to being a target. i do not take kindly to being on the receiving end of someone's spinelessness, their secret malintent and inability to give voice, whatever their reason. rendering me voiceless on facebook is mean-spirited and appalling. and seemingly deliberate. it does beg a couple obvious questions.
truth be told, facebook is making me tired. scrolling through a myriad of temper tantrums and boasting-posts to find wee bits of news about beloved family and friends is disconcerting. trying to use my own 200% copyrighted music on facebook and having facebook block it claiming copyright violations is beyond frustrating. watching facebook allow misinformation and foul language to prevail on the platform is disappointing. scouring facebook for ways to communicate with an actual person or to find avenues for correcting their errors is pointless. it's tiresome. but those wee bits keep me going back – seeking a few more pictures to drink in of people i-love-but-cannot-see-right-now or reading viewpoints that give me food for thought, lead me to ask questions, make me learn.
during this time that FB, impossible to contact, figures out i am not ill-intended nor do i post SPAM, i would ask you a favor: if you have found any post of mine to be thought-provoking or encouraging or reassuring in some way and have enjoyed reading, please "follow" this blog. you can "follow" it on this post or later go to our website www.kerrianddavid.com/the-melange to find the link to this blogsite. wordpress will send you an email each day with my 5 day-a-week blog. you can certainly choose to read or not read each day and, at any time, you can choose to "unfollow" the blog. just as it is your decision whether or not to read my post on facebook each day, i would like to think you still have the option. subscribing gives you that. hopefully, FB will allow and restore my written work soon.
in the meanwhile, just as no one should be hushed in the expression of thoughts about living life, i am dedicated to continue sharing my own in a variety of ways.
shh???? i don't think so.
and your thoughts?
read DAVID'S thoughts this TWO ARTISTS TUESDAY


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text: I don't really teach it… I just help them practice it. I've heard some teachers say that they simply don't have the time teach cursive in their 53-minute class period. Frankly, neither do I. But I can do this: open class with a five-minute cursive activity. So about three days week, I'll go to BrainyContinue reading "How I Add Cursive Writing to My Class"


text:
It wasn't too long ago that including "LGBT" in a health research funding proposal could get it thrown out, said LGBT health researcher Kellan Baker.
"LGBT health has traditionally been treated as disposable," said Baker, a senior fellow at the Center for American Progress.
But a recent announcement from an institute within the National Institutes of Health shows a shift in that attitude, and lends federal recognition to the health challenges faced by those who identify as lesbian, bisexual, gay, transgender, or otherwise outside of traditional gender norms.
The National Institute of Minority Health Disparities (NIMHD) this month classified sexual and gender minorities as a health disparity population — that is, a group whose health is significantly worse than the general population in terms of disease and mortality. Baker, who regularly meets with the NIH on issues of LGBT health policy, said that the Center for American Progress has been pushing for this classification for almost a decade.
Though it does not allocate any additional funding, the classification means that LGBT research will now be eligible for health disparity funding from any institute within the NIH. The NIMHD also offers grants and fellowships — but its budget is much smaller than some of the other NIH institutes. It also sends a strong signal to scientists that the field is important, and will hopefully drive an increase in funding applications that ask questions about LGBT populations, said Karen Parker, the director of the Sexual and Gender Minority Research Office at the NIH.
"I did a little happy dance in my office," said John Blosnich, who works on LGBT health at the Department of Veterans Affairs. "It's huge. We've known for decades that there are a lot of health disparities areas for the LGBT population, but for one reason or another, they were never included as a health disparity group."
Studies have found that women who have sex with women are less likely to receive Pap smears and mammograms; that lesbian, gay, and bisexual kids are at higher risk of suicide; that gay and bisexual men have higher rates of depression; and that transgender individuals struggle to find health care.
"Mounting evidence indicates that [sexual and gender minority] populations have less access to health care and higher burdens of certain diseases, such as depression, cancer, and HIV/AIDS," wrote Dr. Eliseo J. Pérez-Stable, director of the NIMHD, in his message announcing the decision. "But the extent and causes of health disparities are not fully understood."
The announcement follows from the 2011 release of an NIH-commissioned report on LGBT health issues, which led to the creation of the Sexual and Gender Minority Research Office within the NIH.
The majority of research on LGBT health to date has been connected to HIV and AIDS — that was where the funding was. Scientists had to sneak other questions in.
"The scientists were very savvy," said Blosnich. "They were able to say, we collected this on HIV, but we also asked about smoking behaviors, or something else."
The NIH decision will allow direct focus on other health issues, said Ricky Hill, a research program coordinator at the Institute for Sexual and Gender Minority Health and Wellbeing
"I definitely think that it's something that's really going to change the research landscape over the next three to five years," Hill said. "It'll pull the other health disparities that sexual and gender minorities face up into the open."
Hill hopes to see more research on the long-term effects of hormone replacement therapy for trans individuals, for example, and more work on intimate partner violence in the LGBT population. For his part, Baker is anxious for more studies on the intersections of sexual and gender identity with race and ethnicity, and more systematic collection of LGBT health data.
What the NIH classification does, says Baker, is centralize research on these issues.
"This provides a home for LBGT health research," he said.


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Anisotropic effects in surface acoustic wave propagation from a point source in a crystal
Philips Advanced Metrology Systems, 12 Michigan Dr., Natick, MA 01760, USA
2 Institut of Physical Chemistry, University of Heidelberg, Im Neuenheimer Feld 253, 69120 Heidelberg, Germany
3 Department of Physics, Texas A&M University, College Station, TX 77843, USA
Corresponding author: a email@example.com
Published online: 15 October 2003
Strong anisotropic effects in the propagation of surface acoustic waves (SAWs) from a point-like source are studied experimentally and theoretically. Nanosecond SAW pulses are generated by focused laser pulses and detected with a cw probe laser beam at a large distance from the source compared to the SAW wavelength, which allows us to resolve fine intricate features in SAW wavefronts. In our theoretical model, we represent the laser excitation by a localized impulsive force acting on the sample surface and calculate the far-field surface response of an elastically anisotropic solid to such a force. The model simulates the measured SAW waveforms very well and accounts for all experimentally observed features. Using the data obtained for the (111) and (001) surfaces of GaAs, we describe a variety of effects encountered in the SAW propagation from a point source in crystals. The most interesting phenomenon is the existence of cuspidal structures in SAW wavefronts resulting in multiple SAW arrivals for certain ranges of the observation angle. Cuspidal edges correspond to the "phonon focusing" directions yielding sharp peaks in the SAW amplitude. A finite SAW wavelength results in "internal diffraction" whereby the SAW wavefront spreads beyond the group velocity cusps. Degeneration of a SAW into a transverse bulk wave is another strong effect influencing the anisotropy of the SAW amplitude and making whole sections of the SAW wavefront including some phonon focusing directions unobservable in the experiment. The propagation of a leaky SAW mode (pseudo-SAW) is affected by a specific additional effect i.e. anisotropic attenuation. We also demonstrate that many of the discussed features are reproduced in "powder patterns", a simple technique developed by us earlier for visualization of SAW amplitude anisotropy.
PACS: 43.35.+d – Ultrasonics, quantum acoustics, and physical effects of sound / 68.35.Gy – Mechanical properties; surface strains / 62.65.+k – Acoustical properties of solids
© EDP Sciences, Società Italiana di Fisica, Springer-Verlag, 2003


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A review of international experience
part of social security culture. The new scheme makes no provision for enforcing compli-
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Thailand's Matching Defi ned Contribution Programs for the Informal Sector Mitchell Wiener
Increase withdrawal flexibility before retirement age.
Do more to encourage contributions.
Reduce fees.
Develop more effective ways of communicating with potential contributors.
Anticipate and measure needed NSF pension liabilities.
Clarify individual account recordkeeping methodology.
for enforcing compli-
ance and is in practice almost voluntary, requiring a more client-oriented approach on the
part of the staff.
In Tunisia, there is one scheme for each branch (or, in the case of fishing, several
schemes for one branch). The new scheme would overlap several existing schemes, as it
would track employees across them, and the specific occupation of workers would no
longer be relevant past the employer's purchase of the contribution voucher. Adoption
of the new scheme would mean that a firm may have traditional employees who remain
part of a traditional scheme and mobile workers who are affiliated with the new mobile
workers scheme. Having workers at the same firm enroll in different schemes goes against
long-accepted practice.
A third issue involves the monitoring and governance of the schemes: ensuring that
the branch tax is collected and represents adequate financing, and keeping track of the
vouchers to ensure that the number turned in is equal (or at least close) to the
number of
vouchers bought and that the number of vouchers bought represents the actual amount of
work done in the branch. The price of vouchers will need to be carefully weighed. They
should be cheap enough to be affordable for employers yet expensive enough to deter
opportunistic purchases that would lead to inflated attribution of rights. Avoiding such an
outcome is particularly important because the whole approach is new, meaning the signal
flags indicating problems are not yet part of social security institutions' cultures.
SERVAC's work in Tunisia suggested that the best way to monitor the schemes
would be to monitor the number of days worked rather than the number of affiliated
members—who come and go, possibly to other, more permanent work and the schemes
associated with such work. Each day worked carries the same pension right, so tracking
their volume (cross-referenced by the age of the worker) is the easiest way to monitor the
overall health of the scheme.
Prepayment appears feasible, but it requires full-scale experimentation. Developing
countries with extensive informal sectors of mobile workers provide large natural opportu-
nities. The hesitancy of national social security institutions with regard to such a paradigm
shift will disappear once successful pilot plans are initiated, through transnational settings
or in developed economies in the many areas where mobile workers strive.
1. UTAP and Social Security estimate that Tunisia had 50,000 fishers in 2001. The average fisher
worked 150 days a year.
2. Currency values in this chapter are given in Tunisian dinars; TD 1 = $0.6383.
3. These data come from the 1994 and 2001 Institut National de la Statistique Employment
Census (the 1994 one is more detailed) and the Ministry of Agriculture's 1997/98 Survey. As
part-time work is massive, the volume of work days is the meaningful measure in economic
terms. It requires crosschecking sources, as census data usually provide the numbers of people
who declare their main activity as agriculture with their occupational rates, but groups whose
main activity is not agriculture are also involved. The Ministry of Agriculture survey estimates
thus indicate large employment figures (1 million family workers and 280,000 other workers)
with only a small core of permanent workers (312,000 family workers and 50,000 other work-
ers). Occasional work remains significant even in large farms, which supposedly belong to the
modern sector. The Ministry of Agriculture survey estimates the average number of annual
days worked at 220 for permanent agricultural workers and 60 for other agricultural workers.
4. These data, which include 16 percent known part-time workers (who still declare domestic
work as their main occupation), are from the 1994 census.
SERVAC. 2003. "Extension de la couverture sociale aux marins pêcheurs, ouvriers agricoles et
employés de maison" ("Extension of Social Security to Fishers, Small Agricultural Laborers, and
Domestic Workers"). Restricted mission report prepared for the World Bank, Washington, DC.
—. 2006. "Stratégie d'extension de la couverture sociale au Cap Vert" ("Strategy to Expand
the Coverage of Social Security in Cape Verde"). Restricted mission
report prepared for the
World Bank, Washington, DC.
Thaler, Richard, and Cass Sunstein. 2009.
Nudge: Improving Decisions about Health, Wealth, and
New York: Penguin Books.
Thailand's Matching Defi ned
Contribution Programs for the
Informal Sector
Mitchell Wiener
Thailand's current pension system predominantly covers civil servants, the military, and
formal sector workers. Informal sector workers, who represent two-thirds of the workforce,
are covered only by a social pension. For many workers, the benefit from the social pension
will not be sufficient to allow them to retire, avoid poverty, or maintain the same standard
of living following retirement. To address the problem, the government of Thailand created
two new pension programs for informal sector workers. It hopes that high participation
rates in the new programs will eventually allow it to phase out the social pension. Unfor-
tunately, the programs are unlikely to meet the government's stated objectives, because the
pension programs for the informal sector are voluntary, the two programs compete with each
other, and the programs are not designed with the savings needs of the informal sector in
mind. Participation rates are likely to be low, the primary participants will probably be self-
employed professionals and other wealthier informal sector workers, and the programs will
likely have little impact on coverage rates or old-age poverty. The government match will
mostly go to people who are not poor. The programs are unlikely to replace the social pension
as the primary source of retirement income, particularly for the elderly poor.
ver the past 10 years, governments in Asia and elsewhere have begun to focus more
attention on the need to increase pension coverage. In many countries in Asia, the
informal economy makes up 60–90 percent of the total workforce, and informal work-
ers are typically not covered by formal pension programs. In the past, the government's
strategy for increasing coverage centered on increasing the size of the formal economy.
Confounding expectations, however, the size of the informal economy has been increasing
in many countries, including Thailand.
Over the next 20–30 years, the population of Asia will also age dramatically, thanks
to vastly lower birth rates and longer life expectancy throughout the region. As a result, the
number of elderly people will increase substantially, and most of them will have worked
in the informal sector.
Other economic forces are also increasing the vulnerability of the elderly. Smaller
family sizes and economic development have resulted in increased urbanization and a
breakdown in the family support system. Consequently, there is more pressure than in the
past to develop retirement income strategies for people in the informal sector.
In 2011 and early 2012, Thailand introduced two new voluntary pension programs
for informal sector workers. The National Savings Fund is sponsored by the Ministry of
Finance and has a well-established legal structure, but has not yet begun. The other is
sponsored by the Social Security Office under the Ministry of Labor and is a restructuring
of an existing program under Article 40 of the Social Security Act. The legal structure
of the Article 40 program is based on a single article of the law and royal decrees. Con-
sequently, many of the key features of the program can be easily changed, including the
benefits, cost, and employer matching provision. Both are defined contribution programs
and encourage voluntary participation by providing government matching contributions.
However, the match under the Article 40 program can easily be stopped at any time, while
the match under the National Savings Fund is based on law. These
programs are often
referred to as matching defined contribution programs.
The stated purpose of these programs is to allow for the eventual phaseout or tar-
geting of the existing universal pension scheme, to improve the level of pension coverage
and benefits, and to reduce old-age poverty. Early evidence indicates that these programs
are not likely to meet any of these objectives. It appears that participation rates will be
very low and that most of the participants will be self-employed professionals and other
wealthier members of the informal sector. As of February 2012, only 600,000 of an esti-
mated 24 million informal sector workers had joined. Consequently, the programs are
unlikely to significantly increase coverage rates, the universal social pension will remain
the main source of retirement income for Thailand's elderly poor, and the government
match will largely benefit wealthier informal sector workers. Therefore, the most-vulnera-
ble will remain outside the supplemental pension systems.
Several actions should be considered to improve the overall effectiveness of the
matching defined contribution programs. The government should be clearer about their
purpose and their interaction with the universal social pension. The design features should
vary depending on whether these programs are intended to replace or supplement the uni-
versal social pension and whether the social pension will remain universal or be targeted.
The existence of two competing programs is a source of confusion for informal sector
workers. The administrators of the two programs are separately and aggressively market-
ing their programs to the same group of eligible participants. Workers do not understand
why there are two programs, how they differ, and how they are to choose between them.
It would be helpful if the government gave guidance to potential participants about the
features of the two programs and how to select between them rather than allowing the
sponsors to separately and competitively market the two programs.
The government should also reconsider some of the features of the two programs,
which appear to be designed with the needs of the formal sector in mind. They do not
take into account the savings methods, needs, or priorities of the informal sector, particu-
larly workers in the bottom four income deciles. Greater withdrawal flexibility is needed if
the programs are to achieve higher coverage rates.
Pension Programs for Formal Sector Workers
Before the introduction of the new voluntary pension programs for the informal sector,
the government of Thailand already sponsored numerous retirement programs. For the
formal sector, these include the Old Age Pension under the Social Security Office, the
Government Pension Fund, voluntary provident funds, and retirement mutual funds. The
informal sector is eligible for retirement mutual funds and for the universal social pension
under the Old Age Act.
The Old Age Pension program is a mandatory defined benefit program covering for-
mal sector workers. The retirement age is 55, and a minimum of 15 years of contributions
is required to be eligible for a pension benefit. The program began in 1999, so the first
pensions will be paid in 2014. The program provides a benefit of 20 percent of final aver-
age pay for workers retiring with 15 years of contributions and an additional 1.5 percent
of final average pay for each year of contributions in excess of 15.
Civil servants are eligible for both a defined benefit pension payable from the state
budget and a defined contribution program administered by the Government Pension
Fund. From the defined benefit program, civil servants receive a benefit equal to 2 percent
of their final five-year average pay for each year of service, up to a maximum of 70 per-
cent. Payouts at retirement can be received as an annuity or as a lump sum. In addition, a
contribution of 8 percent is made to the Government Pension Fund each year. The gov-
ernment contributes 5 percent and civil servants contribute 3 percent. The government
contribution to the Government Pension Fund is reduced by 2 percent if workers choose
to take the defined benefit plan payout as a lump sum.
Voluntary provident funds are established by employers for the benefit of their
employees. Most of these funds were established by state-owned entities and large corpo-
rations that are listed on the Thai stock exchange. These programs require both employer
employee contributions
, and the employer contribution must be equal to or greater
than the employee's contribution. Employees can receive the accumulated funds at retire-
ment (age 55) or earlier employment termination.
Retirement mutual funds are voluntary defined contribution programs that are
available to both formal and informal sector workers. However, the structure of the pro-
grams is inappropriate for workers with low or irregular income or in vulnerable employ-
ment. Retirement mutual funds are offered and managed by mutual fund companies;
they must offer participants a choice of funds with varying risk profiles. They offer tax
privileges but only under stringent conditions. Units must be purchased continuously
until age 55, except under certain limited conditions, and there is a minimum annual
contribution requirement. Consequently, these programs have attracted limited interest
and are designed for wealthy individuals.
The government also sponsors a universal social pension under the Old Age Act.
Before 2008, the program was targeted, and benefits were limited to B 200 a month. In
2008, the program became universal, and the benefit was increased to B 500 a month.
The benefit is payable to everyone age 60 and older who is not eligible for any of the
mandatory social insurance programs (primarily the Old Age Pension and Government
Pension Fund programs).
Benefits were increased at the beginning of 2012. Monthly payments now vary by
age, with people age 60–69 receiving B 600, people age 70–79 receiving B 700, people age
80–89 receiving B 800, and people age 90 and older receiving B 1,000.
Pension Programs for Informal Sector Workers
The government recently introduced two new voluntary pension programs, the National
Savings Fund (NSF) and a modified program under Article 40 of the Social Security Act.
There are two options under the Article 40 program. Option 1 provides insurance benefits
and no pension savings. Option 2 provides the same insurance benefits as Option 1, plus
a pension savings program. Only informal sector workers are eligible for these programs,
and workers cannot participate in both NSF and Article 40, Option 2, but must choose
their desired program. Both are matching defined contribution programs, with voluntary
worker contributions matched by the government.
The purpose of the NSF program is to provide a voluntary pension savings program for the
informal sector. The National Savings Fund Act was enacted in May 2011 and was scheduled
to go into effect May 8, 2012. This starting date has now been delayed, however, because
the government still needs to issue several clarifying regulations. This section describes the
structure of the NSF program and outlines the areas of the law that need clarification.
Types of Accounts
The NSF, a new public institution, will maintain three types of accounts—individual
accounts, pension accounts, and a central account. The individual account is used to track
individual account balances during the participant's working career. At retirement age (age
60), the balance in the individual account is transferred to a pension account. The pen-
sion account is used to make pension payments to participants until age 80. The central
account belongs to the NSF, not to individual participants. It is used to make pension
payments after age 80 and to back investment rate of return guarantees.
Governance Structure
The NSF will be responsible for investment management and all administrative functions
for the new pension system. It will also guarantee lifetime pensions for members following
their retirement. The governing body of the NSF, the National Savings Fund Committee,
is responsible for overseeing fund activities.
The NSF is led by a secretary-general and a director of investments hired by the
NSF Committee. The appointment of the secretary-general is subject to the approval of
the minister of finance. The committee and its investment subcommittee are responsible
for setting investment policy, determining the methods for making contributions and
withdrawals, and hiring fund managers.
People age 15–60 who are not covered by any other pension fund that receives manda-
tory contributions from the state or employers are eligible. The eligible group comprises
the informal sector, regardless of income level. At this time, the program supplements the
universal Old Age Pension under the Old Age Act.
Workers may make contributions whenever they wish; there is no requirement for regular
monthly contributions. However, the minimum contribution is B 50, and no more than
B 13,200 may be contributed in any one calendar year. Contributions are placed in each
participant's individual account.
The government matches workers' contributions. The maximum monthly match
increases with the age of the contributor, rising from 50 percent for people age 15–30
(maximum B 600); to 80 percent for people age 30–50 (maximum B 960); to 100 percent
for people age 50–60 (maximum B 1,200). The rationale articulated for the increasing
match is that people who are older at the time the program begins have less time to save
for retirement than people who are younger. This rationale is persuasive for the existing
group of older workers at the time the program begins; it may not be as logical for new
workforce entrants, who may choose to delay the start of their savings program in order
to wait for the higher match. Generally, it is better to encourage workers to start saving as
early as possible, as contributions made at younger ages earn interest for a longer period
of time.
The law states that at least 60 percent of the assets must be invested in low-risk securi-
ties. The basic structure for the investment process will follow the rules applicable to the
Government Pension Fund and the Social Security Office's Old Age Pension program.
According to the government pension fund legislation and regulations, low-risk assets
include cash, bank deposits, and bank certificates of deposit; government bonds, trea-
sury bills, and Bank of Thailand bonds; debt instruments guaranteed by the Ministry of
Finance; bank debt instruments; and highly rated corporate debt.
The other 40 percent can be invested in other permitted instruments, such as equi-
ties (maximum 10 percent in any one company and 20 percent of assets in total), overseas
investments (maximum 10 percent of assets), real estate, and lower-rated bonds. The gov-
ernment plans to initially use an investment mix of 80 percent low-risk and 20 percent
other instruments in order to reduce volatility in rates of return.
There is also an investment rate of return guarantee in the NSF law. If the account
balance at retirement is less than it would have been if the rate of return had been equal
to the average return on 12-month deposits at the government savings bank, the Bank of
Agriculture, agricultural cooperatives, and the five largest commercial banks, the account
balance will be topped up using funds from the NSF's central account.
The law states that at least two domestic institutions or people must be hired for
domestic investments. It sets no limit on the number of overseas investment managers. All
investment managers are required to be properly licensed and supervised in Thailand or
their country of domicile. Although not directly stated, the law implies that the NSF itself
is not permitted to manage individual or pension account assets.
People who retire at age 60 will either receive a monthly pension for life or a living allow-
ance, depending on the size of the account balance at retirement. At age 60, a participant's
assets are moved from his or her individual account to a pension account. Assets in the
pension account are then converted into a pension payable until age 80.
If the calculated pension is greater than the minimum pension amount specified in
ministry regulations, the retiree is eligible for a lifetime annuity. Payments are made from
the pension account until age 80. If the participant dies before reaching age 80, the bal-
ance in the account is paid to the participant's designated beneficiary. If the participant
lives beyond age 80, the remaining payments until death are paid from the central account
maintained by the NSF.
If the calculated pension amount is less than the minimum pension, a "living
allowance" is paid instead of a lifetime pension. The living allowance is equal to the
minimum pension. It is paid from the pension account each month until the account
is exhausted. For retirees who receive the living allowance, benefit payments stop when
the pension account is exhausted; there is no lifetime pension guarantee. The number of
participants who are eligible for a lifetime annuity, therefore, will depend on the proce-
dures adopted by the government for converting the balance in the individual account
at retirement into a pension and the level at which the Ministry of Finance sets the
minimum pension. These two decisions will have a significant impact on the financial
solvency of the NSF.
There are two situations in which payments are made before age 60. If a participant
dies before age 60, the balance in the individual account is paid out in a lump sum to the
designated beneficiaries. If an individual becomes disabled before age 60, he or she can
choose to receive all or part of the balance in the individual account as a lump sum. If
any funds remain in the individual account after this distribution, they are paid out as a
lifetime pension or living allowance starting at age 60.
In-Service Withdrawals
The law does not make provision for in-service withdrawals by members, except for peo-
ple who become disabled or die. Members can receive a payout before age 60 only if they
opt out of the fund. In this case, they receive a lump sum equal to their own contributions
with investment income; they forfeit the government contributions and its investment
income in their individual accounts. Given this penalty, there is very limited liquidity in
the program to assist members with any type of financial emergency.
The NSF is a fully tax-exempt system. Participant contributions are tax deductible, the
government's contributions are not taxable income to
, investment earnings
are not taxed when earned, and benefit payouts are not taxed. This type of pension is often
referred to as an EEE system, because contributions, investment earnings, and payouts are
all exempt from taxation.
The law indicates that fees of investment managers shall be in accordance with the crite-
ria, methods, and conditions specified by ministerial regulation. All of the costs of NSF
operations, marketing, enrollment, and collection of contributions will be paid from the
state budget.
Contribution Collection
The NSF is permitted to collect contributions directly or to outsource this function. The
community offices of the Ministry of Interior will be responsible for enrolling mem-
bers in the system and collecting the first contribution at the time of initial enrollment.
Afterward, contributions can be made through the state savings bank, community offices,
or the post office.
Members are responsible for visiting these locations to enroll and make contribu-
tions. Active marketing by agents is not planned. The government will make trips to each
region to educate and promote the new program. However, citizens will be expected to go
to appropriate registration centers to enroll in the program and make contributions.
In addition to creating the NSF, Thailand modified and added another option to an exist-
ing but little used program for informal sector workers under Article 40 of the Social
Security Act. This change was implemented by the Social Security Office at about the
same time as the enactment of the NSF law. The change modifies the insurance benefits
available, introduces an option for an old-age savings program, reduces the price, and
introduces government cost sharing. The existence of this scheme continues a long his-
tory of competition by pension programs established and supervised by the Ministry of
Finance and programs established and supervised by the Ministry of Labor. It reflects the
lack of a national pension policy in Thailand.
Under the provisions in effect before May 1, 2011, workers who were not eligible
for pensions from the Social Security Office or the Government Pension Fund could
voluntarily participate in Social Security Office programs that provide death, maternity,
and disability benefits at a cost of B 280 a month. Members paid the entire premium.
Participation in this program was always minimal. As of December 31, 2010, it had
enrolled only 47 participants, compared with 8.8 million mandatory Social Security
Office members.
Under the modified program, two benefit packages are offered under Article 40,
one of which includes an optional pension savings benefit, and the government now helps
finance the cost of the benefits. Option 1 includes insurance but not pension benefits.
Workers receive disability, sickness, and death benefits. Workers electing this option con-
tribute B 70, and the government contributes B 30 a month.
Option 2 includes the same insurance benefits as Option 1 plus an old-age savings
benefit. For this option, the worker contributes B 100 a month, and the government B 50
a month. The additional B 50 a month goes into the old-age savings program, which pays
a lump-sum benefit at age 60.
Only limited information about this program can be given, because details are not
included in the Social Security Office law, and the royal decree contains only limited
information about the program. Moreover, the benefits, cost, and government match are
subject to change at any time.
It is difficult to estimate the fiscal impact of the two new voluntary programs. The cost to
the government will depend on the number of people who choose to join the programs,
the age of the participants who join, the amount they choose to contribute, and the fre-
quency of contributions. Both the NSF and the Social Security Office estimate that only
about 10 percent of eligible workers will join their programs and that they will likely be
wealthier members of the informal sector.
Under the Article 40 program, people who elect Option 2 will contribute B 100 a
month, and the government will contribute B 50 a month. Of this amount, B 50 will go
into the pension savings scheme, with workers contributing B 30, and the government con-
tributing B 20; Option 2 provides a 67 percent match. However, in order to get this match,
the worker must agree to purchase both insurance and pension benefits; the pension option
is not available alone. Option 2 also suffers from legal uncertainty, as the government has
not guaranteed to continue the match every year.
The cost to the government for this scheme will depend on the number of partici-
pants who choose to join Option 2. The government cost for pensions for each partici-
pant will be B 240 a year (B 20 a month for 12 months), assuming participants contribute
every month. As of February 2012, about 600,000 people had joined this program. If all
of them remain in the program, the cost to the government would be B 144 million a year.
If 10 percent of eligible participants join, there would be about 2.4 million members; the
cost to the government would be B 576 million.
Estimates for the NSF are more difficult, as the government match varies by age and
by the amount the participant chooses to contribute. The maximum match ranges from
B 600 to B 1,200 a year, depending on the participant's age.
If 10 percent of eligible participants joined (2.4 million members), the maximum
cost to the government would be B 2.9 billion, if all 2.4 million members received the
maximum government match of B 1,200 a year. The actual cost to the government would
be less, because not everyone will be eligible for a 100 percent match. If the average match
is B 800 a month, for example, the cost to the government would be about B 1.9 billion.
Most informal sector workers who want to save for retirement will probably choose
the NSF over Article 40 Option 2, because the NSF program provides higher levels of
government contributions and has a much stronger legal basis. People who have already
joined Option 2 will also be able to switch to the NSF program on January 1, 2013, the
first date the switching option will be available.
Program Summary
Tables 14.1 and 14.2 summarize the characteristics and intended
coverage of the existing
and new Thai pension programs. Table 14.1 shows that Thailand now has seven separate
pension programs covering different groups of workers. Of these, only one, the retire-
ment mutual funds, covers both the formal and informal sectors. However, the retirement
mutual funds are designed for people who are willing and able to make regular contribu-
tions at a minimum level for an extended period of time, effectively excluding most infor-
mal sector workers from participation.
Table 14.2 summarizes the basic features of each of the seven retirement programs.
The designs of the various programs differ substantially along a number of key character-
istics—the eligible group; the program sponsor; whether the programs are mandatory or
voluntary; whether programs are defined benefit or defined contribution; how the pro-
gram costs are allocated among workers, employers, and the government; and the govern-
ment institution responsible for supervision and control.
TABLE 14.1 Eligibility of formal and informal sector workers for pension programs in Thailand
Formal sector
Informal sector
Old Age Pension
Government Pension Fund
Voluntary provident funds
Retirement mutual funds
Old Age Act (social pension)
National Savings Fund
Social Security Act, Article 40
TABLE 14.2 Features of pension programs in Thailand
or voluntary
Old Age
Defi ned
benefi t
Ministry of
ment Pen-
sion Fund
Defi ned
benefi t/
defi ned
Ministry of
if employer
listed on
stock ex-
Defi ned
Defi ned
Old Age Act
Defi ned
benefi t
Ministry of
Human De-
Defi ned
Ministry of
Social Se-
curity Act,
Article 40,
Option 2
Defi ned
Ministry of
Analysis and Recommendations
Thailand's pension programs are highly fragmented, at least in part because there is no
national pension policy and responsibility for oversight of its pension programs is spread
across multiple ministries. The programs sponsored and supervised by the Ministry of
Finance openly compete with those sponsored and supervised by the Ministry of Labor.
Neither organization is willing to cede control of their programs to the other or to a new
national pension supervision agency. Consequently, when the Ministry of Finance created
the NSF, the reaction of the Ministry of Labor was to enhance existing but long dormant
programs for the informal sector under Article 40. As a result, Thailand now has seven
separate pension programs.
It would make sense to try to consolidate the number of pension programs. Select-
ing one program for each retirement pillar—social pension (Pillar 0), mandatory defined
benefit social security (Pillar 1), mandatory defined contribution (Pillar 2), and voluntary
defined contribution (Pillar 3)—would reduce the number of programs from seven to
four. As part of this process, civil servants and formal sector workers could participate in
the same programs. Creating a separate pension supervision agency would help unify and
harmonize the rules and regulations governing the various programs.
The new voluntary programs illustrate the problems that arise when programs are
fragmented and there is a lack of a strategic vision. For example, the design of the vol-
untary programs should vary depending on whether the social pension for the informal
sector will be universal or targeted and whether it is intended to be permanent or tem-
porary. There is also a lack of clarity about the respective roles of the NSF and Article 40
programs. There has been limited communication about why two programs are needed or
what criteria informal sector workers should use in choosing.
The NSF and Article 40 programs are currently designed
to attract self-employed
professionals and other high-paid members of the informal sector. This strategy may be
appropriate if the two programs are intended to supplement, and not replace, the social
pension. If the social pension remains universal and is sufficient to prevent poverty, then
informal sector workers who want to save more for retirement can use either of these two
voluntary pension programs to accumulate additional retirement savings. If, however, the
social pension will target only the poor, the remainder of the informal sector will need to
use these programs to meet all their pension savings needs. In this case, the amounts that
would need to be accumulated would be much higher.
Several changes should be considered if the goal is to have a broader cross-section
of the informal sector participate in the voluntary pension programs. The legal structure
of the Article 40 programs should be strengthened, and the government match should be
codified. The law creates the program, but all important details are found in royal decrees.
As a result, there is little assurance that the programs will remain in place in their current
form or that the government will continue to contribute.
The pricing of the Article 40 programs might also benefit from additional analysis.
The monthly total cost of the insurance programs under Article 40 has been reduced from
B 280 to B 100. Although the benefit package under the reformed scheme is less gener-
ous, it is not clear that there has been rigorous actuarial analysis to support the reformed
pricing scheme.
The NSF law is extensive and carefully outlines the legal structure and benefits of
the program. Several provisions could be reexamined, however, to enhance the attractive-
ness of the program to a wider group of potential participants.
Increase withdrawal flexibility before retirement age.
It would be helpful to add
more flexibility to withdraw contributions before retirement without severe penalty.
Most savings by the informal sector are for consumption smoothing and medium-
term needs, such as weddings, funerals, household purchases, and medical expenses.
The preferred form of long-term informal sector retirement savings is in the form of
hard assets—gold, jewelry, land, and housing. The NSF program requires members
to quit in order to withdraw money before retirement, forfeiting all government
contributions and the investment income on those contributions.
Do more to encourage contributions.
It is questionable whether passive contri-
bution collection methods will be effective for the informal sector. Without more
proactive collection mechanisms, it is likely workers will not contribute regularly
and there may be many inactive accounts. Many informal sector workers have
limited disposable income and often borrow money informally to smooth con-
sumption spending. Long-term savings is likely to have lower priority than other
needs, particularly if there is no active encouragement to contribute regularly.
For example, microfinance institutions often use weekly community meetings or
house-to-house collection of savings to encourage regular participation.
Reduce fees.
The NSF law allows the criteria, methods, and conditions for setting
fees to be specified by ministerial regulation and the level of fees to be set by the
National Savings Fund Committee. The ministerial regulations, when issued, will
hopefully offer guidance on the process the committee should follow to establish
fees and require that the fees be related to actual administrative expenses and that
investment expenses vary with the type of assets under management. Programs for
the informal sector that rely on collecting small amounts of money from a large
number of participants must have efficient and centralized administration. Pro-
cesses should be highly automated to keep expenses low, especially as most con-
tributions will be small and contribution payments will likely be irregular. There
must also be efficient ways of getting contributions from multiple collection points,
sending contributions to a central administrative organization for processing, send-
ing contributions to fund managers, and tracking individual account balances.
Develop more effective ways of communicating with potential contributors.
Most low-income workers have only a primary education and may know little or
nothing about pensions or finance. The benefits of
retirement savings must be
carefully explained. Doing so requires a strong ongoing public education effort
regarding financial and savings principles and how participation in the govern-
ment's voluntary pension programs can help reduce the chances of falling into
poverty in old age.
Anticipate and measure needed NSF pension liabilities.
The NSF will have a
substantial liability for payment of lifetime pensions to people who live past age
80. The size of the liability will depend on the assumptions and methods used to
calculate the initial pension amount, the manner in which pensions are indexed
following retirement (if at all), and the manner in which the rate of return on pen-
sion accounts is allocated between the central account and the participant's pension
account. It will also heavily depend on the size of the minimum pension and the
number of people who qualify for lifetime pensions as opposed to a living allow-
ance. As life expectancy will continue to increase, a substantial number of future
pensioners may live beyond age 80. The NSF should hold a central account liability
to secure these expected future payments. Sophisticated actuarial projections are
needed to determine optimal system design and calculate required reserves.
Clarify individual account recordkeeping methodology.
More clarity is needed
regarding the method of allocating investment income to participants. It is unclear
whether account balances will be updated daily or investment income declared
on a periodic basis. The NSF Act requires investment income to be declared at
least once a year. International best practice is to allocate investment income daily
by marking assets to market, calculating the fund's net asset value and the number
of units held by each participant, and updating individual accounts.
Even a well-designed program may not attract the expected level of contributions,
for valid reasons. Saving for retirement is usually not the primary concern of informal
sector workers, who tend to value short-term savings, microborrowing, health insurance,
insurance against natural disasters, and protection against crop failure or livestock loss
more than savings for retirement.
For people who are able to save, there may be better investment opportunities than
contributing to a voluntary pension program. For example, purchasing land or livestock
or using savings for a child's education may produce higher rates of return than investing
in market securities. Land and livestock can be used to generate current income and can
be liquidated to provide retirement funds. An educated child can increase family income
and provide parents with a source of support in retirement.
The pension plans for informal workers should be viewed as one component of an
overall program that recognizes their legitimate short- and long-term needs. A better strategy
than the one the government has adopted might be to provide such workers with a package
of needed benefits rather than establishing free-standing voluntary pension programs.
1. Currency values in this chapter are given in Thai baht; B 1 = $0.0325.
Jitsuchon, Somchai. 2011.
Thailand Development Report: Protecting Thailand's Aging Population
Bangkok: Thailand Development Research Institute.
Park, Donghyun, ed. 2011.
Pension Systems and Old-Age Income Support in East and Southeast Asia
Manila: Asian Development Bank.
Wiener, Mitchell. 2010. "National Savings Fund Draft Law Recommendations." Unpublished,
Asian Development Bank, Manila.
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text:
If your initial reaction to the title of this post is "What recent accusations against John MacArthur and GCC?" do yourself a favor and just ignore what follows. Click off and go do or read something more edifying. Trust me.
In fact, I really didn't even want to address this internet dumpster fire. I wanted to give it the full-throttled ignoring it so richly deserves.
But because several of you have asked me to weigh in, and because a lot of people are falling for the narrative being spun by the accuser, I'm reluctantly (and as briefly as possible) broaching the subject and providing you with some information to dispel the innuendo, gossip, and misrepresentations being disseminated as fact under the guise of "journalism".
On March 8, blogger Julie Roys published an article1 essentially accusing John MacArthur and the elders of Grace Community Church of sinfully and cruelly mishandling a case of child abuse twenty years ago, and of mistreating the mother of the children who brought the situation to the elders' attention by way of requesting marital counseling.
Roys has a storied history of making sensationalistic allegations against John MacArthur and GCC which later prove to be false. (I believe I read somewhere that this is her 39th article that has something to do with him or the church, though I can't recall the source, so I can't verify that.)
Here's just one example of that from recent years:
Regarding the current allegations, Jon Harris did the heavy lifting for us on a recent episode of his podcast, Conversations that Matter. He provides objective, biblical analysis of the accusations, the facts of the case, Roys' craftiness in the way she words things, information that was left out of her article, and so on.
John MacArthur and the David Gray Situation | Conversations that Matter | March 25, 2022
GCC has not publicly responded to the allegations, but this is the email (included in Jon's video above) they've apparently been sending out in response to individual inquiries:
Jon posted a follow-up episode, Recap of David Gray Situation and Russell Moore Weighs in on Abuse and Divorce on March 26. The two main points he made recapping his previous episode were: 1) to apologize for accidentally calling the woman at the center of the issue "Elaine," throughout the original video, when her actual name is "Eileen," and 2) to clarify that the "Grace Community Church Response" (above) is not an official, public statement from GCC, but rather what amounts to a "form letter" email sent as a reply to individuals inquiring about the situation.
Jon released yet another follow-up today, March 29: My Position on David Gray & Revisiting the Chicago Statement, responding to pushback and requests for clarification from his initial video. One interesting point you may want to make note of for future reference: In the initial video, Jon said that even if GCC could not release a public statement on the matter due to the confidentiality required in counseling situations, church members who were well acquainted with the Grays and the situation might come forward and speak publicly about what happened. Jon apparently received such an email from a GCC member who is prayerfully considering speaking out. She did not find Eileen's testimony at trial to be credible.
My personal take on this situation is the same as it was before Roys' most recent allegations. Julie Roys has an ax to grind against John MacArthur and is not a trustworthy source. (She is not a trustworthy source like the Grand Canyon is not a little hole in the ground.) I would recommend you stay as far away from her writing as possible and get your information from a fair, reliable, biblical source not tainted by ulterior motives.
When I have said things like this on social media, Roys' supporters have, not surprisingly, accused me of thinking John MacArthur can do no wrong. Not so. First of all, there have been several times over the years when I've thought things John MacArthur has said or done were wrong, and I also don't align 100% with his theology. Second, if Roys went after anybody else, I'd say the same kinds of things, because the main issue here is not the object of her accusations, but her tactics. And, finally, if Roys' accusations were reported by a reliable source, and/or admitted to by John MacArthur or Grace Community Church, I'd believe them.
And that's all I've got to say about this issue.
(If you haven't already, please read and follow the instructions above the comment box before commenting. I will not be debating this further in the comments section, via email, or on social media, and I will not be publishing any comments, responding to any emails, or entertaining any social media comments which are argumentative or accusatory in nature. You're free to state your arguments and accusations on the issue on your own platforms.)
1I am intentionally not providing a link to Roys' article for three reasons: first, because her slander doesn't deserve the clicks (and the subsequent boost to her analytics); second, because the content of her article is emotionally manipulative, and the purpose of my article is to provide some objectivity; and third, because you can get the salient points of her story (without being emotionally manipulated) from the information I've provided here. If you feel you absolutely have to read her article, you're free to find it by Googling.


text:
New Orleans
Kara Hearn
New Orleans Museum of Art (NOMA)
One Collins Diboll Circle, City Park
March 4–May 24, 2009
Pathos––the ever-relevant Aristotelian mode of rhetorical persuasion. In her video One Thing After Another, 2007, the only work on view in this solo exhibition, Kara Hearn employs the pathetic in universal and personal ways. The artist performs as the entire cast of characters from popular films and moments from everyday life, focusing on climatic moments of personal trauma for each character. The successive clips form an engaging montage that highlights the ways in which audiences become both the initiator and the receptor of pathos. While navigating the nature of sympathy and empathy through various emotional events––a breakup, an earthquake, a car accident, a fire, and even death— Hearn seems to become everyone (and thereby no one). She is sympathizer and empathizer, artist and audience.
Despite the juxtaposition of her reenactments from films like Star Wars and King Kong, the recurrent imagery in this work provides a thoughtful connectivity. Various lenses, taking the form of holes, tunnels, viewfinders, and screens, often appear just before the travesty; these eyes indirectly remind us of the nature of personal experience and the accompanying levels of mediation. Hearn enacts an inescapable principle Descartes illustrated long ago—one can only see and experience in terms of oneself. Among the most refreshing elements of One Thing After Another is the shift from the clear themes in Cindy Sherman's work and the heavy orchestration of Candice Breitz. Hearn asserts her own aesthetic, which focuses on highly personal interpretations of pop-cultural moments. Intentionally clad in everyday clothes with limited props and ready-made sets, Hearn deepens this connection to the pathetic and persuades her viewers to do the same.


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Prima facie, BJP MLA's death a suicide case: WB Home Secytext_fields
Kolkata: Amid opposition BJP's allegations over the "murder" of party MLA Debendra Nath Ray, West Bengal Home Secretary Alapan Bandyopadhyay on Tuesday said that prima facie it appeared to be a "case of suicide".
Addressing a press meet at the state Secretariat Nabanno, Bandopadhyay said that the state government would take the probe into the matter to its logical end. He said that the state Criminal Investigation Department (CID) was probing.
"The post-mortem suggests death due to hanging as noted above and is ante-mortem in nature. There was no other injury on his body. After preliminary investigation, the state police is assuming it a case of suicide," he said, while quoting the post-mortem report.
Meanwhile, a 12-hour shutdown was observed in eight northern districts of West Bengal, amid sporadic disruptions by angry BJP supporters.
The shutdown was called to protest against the death of BJP legislator from North Dinajpur's Hemtabad, who was found hanging a few metres from his home near a local market on Monday morning.
According to police sources, BJP activists took out rallies in Malda district and forcibly closed the district head post office. They also staged a sit-in to disrupt regular transport services in the district.
A group of BJP workers staged protests at the depot of North Bengal State Transport Corporation and also blocked the National Highway-34.
Similarly, BJP workers also hit the roads in Cooch Behar district protesting the incident.
Daily transport services were disrupted by BJP supporters at Ghughumari area in the district. As many as three buses were partially ransacked by irate political activists. At least 15 people were arrested in connection with the incident.
A minor clash also took place between BJP activists and Trinamool Congress supporters at Toofanganj in Cooch Behar district, police said.
Ray had joined the BJP in 2019. Earlier, he was elected on a Communist Party of India-Marxist ticket in 2016. The family members of the deceased BJP lawmaker had alleged that Ray was 'murdered' for his political affiliations and demanded a thorough probe into the matter.
In Delhi, the BJP alleged on Tuesday that 'jungle raj' prevailed in West Bengal, after a delegation of senior state party leaders met President Ram Nath Kovind here to demand a CBI probe into the death of Ray.


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So you've selected a Bible that is right for you (that's a different post), and you're ready to start reading! But where to even begin? When I first read the Bible, I started with chapter one of Genesis and read through. This took me a little under a year and I learned a lot, but… Continue reading Becca's Bible Guide – Reading the Bible
Tag: books
Embodiment and Authenticity (Talking Taboo)
Over a year ago, I wrote an essay for an amazing compilation, Talking Taboo: American Christian Women Get Frank About Faith (Erin Lane & Enuma Okoro, eds), which officially launches today. I'm overjoyed to be included in this book, a huge collaborative effort, and looking at the other authors I'm humbled and a little confused… Continue reading Embodiment and Authenticity (Talking Taboo)
I'm very excited about the iBooks 2 roll out with textbooks. I've been hoping for something like this since the Kindle came out. I see infinite implications for education, particularly. Wealthier districts are already providing each student with a laptop or netbook; it's get on the ball so each student in the country can have… Continue reading iLearning
That Old Time Hymnal; it's good enough for…
The United Methodist world is abuzz with the news: production on the new United Methodist Hymnal, slated for the 2012 quadrennium, has been halted. While my congregation rejoices that this means the copies of The Faith We Sing we just bought are not going to be obsolete right away, and I rejoice that people aren't… Continue reading That Old Time Hymnal; it's good enough for…
Sticks and stones may break my bones…
... but words-- oh the awesome power of words-- words can cause me to hate and fear and kill. Reflecting today about the shooting at the Unitarian Universalist Church in Knoxville, TN. A virtual friend of mine, Terry, points out that we often tolerate hateful and violent words by people in the media in our… Continue reading Sticks and stones may break my bones…
Nope. I really can't tell.
Please note: there is no way on God's green earth that linking to this site is in any way an endorsement. One of my friends told me about this site, and I spent a lot of time clicking through it. It's called "You've Been Left Behind," youvebeenleftbehind.com, and here's the thing: I can't tell if… Continue reading Nope. I really can't tell.
Irresistible Revolutionary
Okay, 'fess up. Is there anyone out there who doesn't have at least the teeniest crush on Shane Claiborne? Male, female, queer, straight or bi, is there anyone who doesn't want to either be Shane or be near Shane? Because I'll admit, I've got it bad for this grungy Jesus freak! Lookit the glasses! Gotta… Continue reading Irresistible Revolutionary
But nothing we didn't already know. Nearly half of Americans have switched religious affiliation/denomination. Oh, and that's not good news for the UMC. With respect to my earlier thoughts about Easter, I read this in Borg and Crossan's The Last Week, which, about three pages from the end now, I highly recommend: "Both parts of… Continue reading Ouch.
Wherein I become a Fundie
So my thoughts on Philip Pullman's His Dark Materials trilogy, which includes The Golden Compass, The Subtle Knife, and The Amber Spyglass. First, I can't believe this, but it's true: I've finally found a series of books that I would recommend people not read for religious reasons. I don't mean like Narnia and Left Behind,… Continue reading Wherein I become a Fundie
Link Rec
Someone recommended this link to a friend to help her pass the time, and it is the funniest thing I've seen ever. Of course, it helps if, like me, you suffered through all twelve Left Behind books just for the sake of laughing at them/ being horrified by them/ being prepared to explain to people… Continue reading Link Rec


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my sweet mantra
//Record Label//Media Services
My sweet mantra currently work along side the International artist "Garient".
Garient is a singer/songwriter/producer and has been involved in numerous projects, released albums , toured the UK & New York, more recently he has had a song released by a Hollywood based label. His style is one of the most unique around, blending influences from many different genres, but retaining the pop/songwriter vibe. Garient has the abiltiy to complete a song from start to finish from the songwriting to the engineering/production.
For more information about Garient, then please visit his website here
Ninnjjadawg (Ryan Matthews) is an upcoming electronic music producer with a truly eclectic sound, mixing various styles such as house and techno. He currently is working on a debut album due for release 2021.
Death to the Strange (Daniel Clarke) is an indie artist based in Manchester England who has been involved in music for over 15 years. He has played thousands of gigs and worked in various bands as well as winning competitions. A true "Mancunian" with hidden talent, Daniel can impress any type of audience.
Described as one of the most original and compelling electronic music produces Ablaze has been producing EDM for numerous years completing three EP's whilst mesmorising electronic music enthusiasts with his strong beats and definitive bass synth sounds.


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It had recently come to my attention that the embedded flash videos I had on my blog stopped working. I found out that this had to do with the lighttpd backend, and hotlinking protection. Anyway, all the videos should work again. If you find one that doesn't, please send me an email. Thanks! |:| Zach …
Tag: servers
Jan 11 2009
Videos work again
Nov 06 2008
The triumphant return
The Z-Issue went down for quite a stretch of time after the switch to a new server. Couple the move with the severe lack of time that I've had lately, and it makes sense that there wouldn't be any new posts for months. I have finally gotten all the bugs worked out, and now the …
Feb 21 2008
New FLV Player
Hello all, After many months, I decided that it was time to update the FLV Player software that I keep linked in the right-hand bar. I found that the FLV-S Player is no longer the most functional (in my opinion). After having tried out a few of them, I found that the player (for Windows …


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Students studying in schools and colleges always seek help of someone in completing their homework. When the internet facility was not much popular, students at that time were dependent on their professors, family and friends for the homework help. College students have to study at distant places and they are unable to take help from their family and friends all the time because subjects in professional courses are more specific and proper knowledge is required. Also, professors cannot be available all the time for the students to help them as one professor has to guide and help a number of students. At present scenario, internet has become necessity and almost every student have access to the internet which is increasing demand for online homework helper USA. Online homework helper USA has made it possible for the students of USA to take help for homework through online sources. Students can take help through online homework helper USA by sitting at home without much efforts.
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Assignment Work Help has all the solutions for your homework and we are always ready to help you and share your burden. All you need to do is contact us through our website or on the contact number and we are always on our toes to help you with your homework.


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Remember if something happens once, it may be a coincidence or insignificant. If it happens twice PAY ATTENTION and try to do something about it.
"I have a rule in my life. If something happens twice, I pay attention to it. This type of awareness has allowed me to to stay present in my life without being overwhelmed. I may not always like the situation but I do pay attention so that it does not become a mess that I can't handle." unknown
Stop complaining and going over your problems
For many of us, complaining is the biggest reason we continue to encounter the same problems. We talk about them too much and stay focused on the problem, not the solution. Choosing to stop complaining sounds easy in theory, but it is often a habit that needs a little thought to break. The best way to stop it is to find someone who can call us out when we are complaining. I think we will be surprised at much complaining has infiltrated our day. https://www.powerofpositivity.com/5-reasons-problems-keep-happening/


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Malus angustifolia, or the southern crabapple, is native to eastern and south-central United States from Florida west to eastern Texas and north to New Jersey, Pennsylvania, Illinois and Missouri. Our crabapple trees for sale belong to the same genus as apples. The blossoms are typically pink, red, or white and can appear as a single or double blooms. The blossoms mature into either green or red fruits with some cultivars having a possible orange or pink blush. The fruits are around 2 inches in diameter and will stay on the tree. If not picked, the fruits add an interesting array of color in the fall. Crabapple trees require full sun for growth and prefers a rich, well draining, loamy soil with a slightly acidic pH. They are highly drought tolerant and can grow up to 25 feet tall.
Many types of crabapple trees will hold their small fruits all winter, providing food for white-tail deer and birds such as pheasants, mockingbirds, white-throated sparrow, northern flickers and finches. Squirrels also enjoy the crabapple and will provide cleanup duty for those that fall on the ground. Choose Willis Orchards to buy fruit trees online!
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The Bangkok DJ who recently tested positive for Covid-19 was infected by the G strain, a more contagious, but less severe strain, according to the Department of Medical Sciences director general Opas Karnkawinpong. The strain is mostly found in those returning to Thailand from abroad and detected in quarantine.
The G strain isn't as severe as L strain and the S strain that originated in China, but it is more contagious. Opas says those with just small amounts of the G strain virus, like people who had recently gone through quarantine, may have infected the DJ.
The 37 year old DJ tested positive for Covid-19 last week during a routine check at a Bangkok prison after being arrested on drug charges. Thailand went 100 days without a reported local transmission. Health officials do not know how the man came in contact with the virus. They identified 1,000 people that were in close contact with the DJ. More than half of them have been given swab tests and came out negative for Covid-19, Thai PBS reports.
Thailand's top virologist, Yong Poovorawan, warned about the mutated G strain 2 months ago and said that if a second wave of the virus were to hit Thailand, it would probably be the G strain. The G strain is 10 times more contagious than the original S strain, he says.
Yong, who is a medical professor at the Faculty of Medicine, Chulalongkorn University, says that the highly contagious strain was being found in people returning to Thailand from overseas. He says the G strain is prevalent in the United States and Europe.
"Thailand identified the S strain when COVID-19 pandemic first started in the country, however the doctors have now discovered a more dangerous strain amongst Thai returnees. They are the mutated G strain which still is prevalent in the United States and Europe."
While the G strain spreads quicker, but Opas says it can easily be prevented if people follow hygiene routines like regularly wearing face masks and using hand sanitiser.
SOURCES: Thai PBS | Nation Thailand | Xinhua
The post Bangkok DJ infected with more contagious, less severe Covid-19 strain appeared first on The Thaiger News.


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You may wonder what the title of this post means. According to Abraham-Hicks, being in the vortex means "you're at one with who you really are, you're feeling great, and in vibrational alignment to your desires. It's represented by feelings like enthusiasm, inspiration, passion, joy, and appreciation." I am not specifically referring to that kind of vortex but rather I am talking about sliding into the vortex of winter and transitioning in a way that enables us to look at the positive elements of the cold months. And achieving that can be a challenge! What do you think of when you think of winter? Perhaps you think of the cold, the ice, the darkness and maybe even sadness? Or do you think of cuddling by a warm fireplace, drinking hot chocolate, the smell of balsam, and cozy winter fashion. There is so much more fashion variety in the winter and this post will be the first in a series of posts on cozy winter fashion. So which vortex will it be? Cold and bleak; or cozy and chic. Speaking of the cold, I tried to take some pictures outside today, but the wind was overwhelming and my eyes were streaming with tears.
This is a warm, cozy poncho style sweater and is perfect for this time of year and has autumn colors. In the winter, it can be worn as a sweater and would look cute layered over a dress with tall boots which I will explore later this season. I am wearing a burgundy camisole underneath and beige leggings.
My kitty, Aubrey, is the perfect photobomb. Here is an unabashed picture of her.
Bailey thinks it's time to go for a walk, so let's go for a walkabout round the neighborhood.
I live in a rural area and here is a small farm at the end of my road. There is a yellow lab who lives here that my dog has a crush on. I will leave it at that.
Charming old farmhouse. I really love the barn and the porch.
The Contoocook River. There is actually a golf course on the other side of the river.
I love these colorful bushes. Does anyone know what they are?
I was just sitting on this bench last Sunday and feeling the warmth of the sun and wearing my pencil skirt and light jacket. Who is ready for snow? Anyone?
What I wore:
Poncho sweater, CB Established 1962, TJ Maxx
Beige leggings, SoundStyle, TJ Maxx
Beige booties, Franco Sarto, thrifted
Some of my favorite blogs:


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No Politics when Learning Torah - Ibn Ezra on 'Magic'
Moshe Ben-Chaim
Some Jews have the idea that the Torah prohibited magic because it is true. They believe 100% that magic and fortune telling works. The Ibn Ezra (Leviticus, 19:31) says the following, "Those with empty brains say
'were it not that fortune tellers and magicians were true, the Torah would not prohibit them.'
But I (Ibn Ezra) say just the opposite of their words, because the Torah doesn't prohibit that which is true, but it prohibits that which is false. And the proof is the prohibition on idols and statues....."
The Ibn Ezra states clearly and without softening the blow, that it is not the way of God to prohibit us from that which is true. Just the opposite is the case; our lives are meant to be in search of truth, and living by it. The Torah prohibits magic, witchcraft, fortune telling and the like, for one reason: they are absolutely false. Saadia Gaon states this in Emunos v'Daos, that the Egyptian's who mimicked Moshe's feats, did so through slight of hand, not 'magic'. They used dyes to turn the Nile red, and chemicals to repel frogs from the water. Magic does not exist.
God designed us with a mind which can discern between truth and falsehood. If one would suggest - as these fools had in Ibn Ezra's time - that God wants us to see the truth, but not follow it, this means to say that God contradicts Himself. Does He or doesn't He desire we follow the truth? Ibn Ezra says that God's plan - as expressed through Torah commands - is to abandon that which is false. The reason? Fallacy steers us away from the Source of all truth - God - while truth leads us to Him. Therefore, we must attach ourselves to all that is true as commanded by the Torah, and we must deny all fallacy.
We also note that the Ibn Ezra, and the Sages did not play 'politics' when they saw an idea as ludicrous. Terms like "empty brained" were used to make their teachings as penetrating and as passionate as possible. And this must be done if we are to make clear how false or true an idea is. The goal in teaching is that a new idea is successfully impressed upon the student. Reality must be presented in a stark, succinct and clear fashion. "Stark", so the contrast between truth and falsehood is seen; "succinct", so the concept is grasped easily and readily; and "clear", so no confusion enters the students' minds as they ponder the ideas.
Many times when people argue over Torah ideas, some may back off of their opinion if the other party becomes upset. This is wrong, as all must be sacrificed for Torah. We must not protect a friendship in place of allegiance to the truth. The person does not enter the equation when we debate over God's ideas. Rather, we are taught by Ibn Ezra that we must disagree, and do so strongly. A Rabbi once mentioned that we have a tradition that there is to be no restraint when learning - personal considerations of respect take a backseat when Torah is studied. Talking about objective truths must be approached with no restraint.
When is restraint proper? When rebuking someone. The verse says, "...surely rebuke your fellow man, and don't carry upon him sin." (Lev. 19:17) Rabbi Reuven Mann explained, rebuking another is a command, but the latter part of the verse, "and don't carry upon him sin" means, do so in a manner through which the recipient will accept your rebuke, and not become inflamed by your manner of delivery. No one likes to hear another rebuking them. But the Torah sees fit that man must assist another with rebuke, when he acts improperly. Since the goal is that man change his ways to the good, a rebuke must be delivered with the most care, that the recipient appreciate your concern, and not rebel.
In contrast, when not pointing out subjective flaws in others, but teaching the Torah's objective truths, a person is not "under fire", so there is no need to restrain oneself from expressing conviction or dissatisfaction in an idea. Here, one must show his unrestrained passion. Energies must not be curbed, as this compromises the learning process.