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Develop consumer-centric statements to be available on website regarding common hearing and balance concerns.
Interested in volunteering for the Public Awareness Committee? Learn more about available volunteer opportunities and how to apply. You must be logged in to the Audiology Community to view and apply for open volunteer opportunities. If you have questions about any of the Academy's volunteer opportunities, please contact the Volunteer Leadership Coordinator, Lauren Reimer, at [email protected].
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"I'm so tired of being embarrassed."
There is a tension between holding true to your vision and identity, and trying to achieve success.
Near the start of the film, we learn that Seb (Ryan Gosling's character) has an idealistic and ambitious dream to "save Jazz". His mother, his sister, and even his budding relationship with Mia are unable to change his mind about the way he will pursue his dream to save Jazz. Old school, improv heavy, feel-the-music-in-your-soul, Jazz. Yet, as time progresses he succumbs to pressures (one could argue they are merely perceived pressures) to be a provider. His dream bends just a little in pursuit of a paycheck. It clearly eats away at him, but he makes small and intentional decisions to sell out. He's still playing "jazz"...but not "Jazz". What the film does so beautifully is it makes us FEEL the same tension that Seb felt. It shows us how an overheard comment from Mia's mother gradually allowed him to justify his new opportunity. In a telling scene, we see that Seb views this opportunity as a step towards making his real dream become a reality. But what he eventually comes to realize is that he's getting sucked into a spiral of adulting and dependence on his stable job and his real dream is slipping farther out of reach in the process.
This point resonated with us deeply. We have goals and dreams, and it's SO easy to give up certain aspects of our vision in order to take some steps forward. This thought has prompted us to consider if our time is aligned with our real goals or if we too are passively trading in our ambitions for comfort or quick successes that don't align with our vision.
Seb's dream is to save Jazz. Our goals are not quite as ambitious but we do want to be true to the things we are passionate about, one of which is being authentic and transparent.
To be honest, since our fun date night last Thursday, life has been way too full, there's been a decent amount of tears and we've been filled with stress over work and how little time there is for connecting with the people we care about.
As in the film, this is where life can become really beautiful. When life seems to be whaling on you again and again with no apparent option for a comeback, it can look (and feel like defeat), but if we can endure these seasons, there is an amazing moment just waiting to happen where the proverbial opponent wearies and we are able to make the astonishing comeback. We could relate to Seb's position as he uttered this line just waiting for his moment, and we hope that as we continue to share with you what we're passionate about, eventually we'll be able to accomplish our dreams while we stay true to our vision.
Apart from these meaningful themes in La La Land, we also just genuinely enjoyed certain aspects of the writing and cinematography. As we shared in our last post, it's all in the details. In La La Land, we see much of the story unfold at a macro level. Winter, Spring, Summer, Fall. Repeat. However, our favorite scenes were those that zoomed into the moment and explored the granular beauty unfolding in Seb and Mia's relationship.
The cinematography of La La Land was sneaky good.
Hope that you will check out La La Land!
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Community newspapers and their websites are hyper-local. They effectively represent the neighbourhoods they serve. And they are able to target these communities like no other medium.
Every week in Canada, over 1,000 community newspapers circulate over 19 million copies in key metropolitan areas, rural and remote regions, and all areas in between. Community newspapers command a special place in Canadian households. The role they play is vital, often being the only choice for local news and information relevant to readers in the community.
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Arc fault detection devices, OEZ s.r.o.
Arc fault detection devices AFDD are intended for protection against fire. Arc fault detection device AFDD fills in the safety gap existing in the wiring until now – miniature circuit breakers, residual current circuit breakers and fuses – and which promotes installation safety to a higher level. The Arc Fault Detection Device AFDD is a device designed to mitigate the effect of arc fault by circuit disconnection. Arc fault is dangerous unintentional parallel or series arc between conductors. Such effect in the conductor may cause inflammation of insulation and subsequent setting of a building on fire.
– from arc fault detection unit ARC and residual current circuit breaker with overcurrent protection OLI/OLE.
Arc fault detection unit ARC (AFD unit) detects series and parallel arc faults and in case of a fault disconnects the circuit and prevents from fire. Circuit disconnection is ensured by a miniature circuit breaker LTS/LTK or residual current circuit breaker with overcurrent protection OLI/OLE, which is mechanically and electrically connected with its own arc fault detection unit.
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This website is operated by Pari Desai, LLC. Throughout the site, the terms “we”, “us” and “our” refer to Pari Desai, LLC. Pari Desai, LLC offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
In no case shall Pari Desai, LLC, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
You agree to indemnify, defend and hold harmless Pari Desai, LLC and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of 1922 Kent St. , Los Angeles, CA, 90026, United States.
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In response to recent political developments in Burundi, the BMZ is suspending all activities under its bilateral development cooperation with Burundi that involve cooperation with the government. The negotiations with the Government of Burundi on new commitments, originally scheduled for late 2015, will be cancelled until further notice. Germany is thus responding to the latest developments in Burundi, which were caused by President Nkurunziza when he announced that he would run for a third term in office. Burundi's constitution is based on the Arusha peace agreement forged in 2000, according to which a president is not allowed to run for a third term.
German Development Minister Müller said, "Burundi is on the verge of sliding into a spiral of violence because the government is disregarding democratic principles and not even stopping short of torturing political opponents. In this situation, we feel that there is no basis any more for cooperation with the government. However, we are not leaving the suffering people to fend for themselves. We do not want to punish them for the behaviour of their government. We will continue all activities that give direct support to people on the ground and meet their basic needs."
At the Geneva donor conference in 2012, the Government of Burundi had made a commitment to respect and foster human rights. In response, the international community had declared its willingness to increase its financial support. Burundi is one of the poorest countries in the world and tops the Global Hunger Index.
The Arusha Peace Agreement was signed in 2000, after seven years of civil war in Burundi. However, the consequences of the war have still not been overcome. The country is politically unstable and the people are still worse off than they were before the violence began: on the current United Nations Human Development Index (HDI), Burundi is 185th out of 189 countries evaluated. The human rights situation is difficult and shortcomings with regard to good governance, fighting crime and tackling corruption are the source of major problems.
In the run-up to the parliamentary and presidential elections in 2015, the country saw violent clashes between the government and citizens demanding their democratic rights. The demonstrators were primarily protesting against President Pierre Nkurunziza, who was seeking a third term in office. However, a third term is not in keeping with the spirit of the Peace Agreement of Arusha, which forms the basis of Burundi's constitution. Uncertainty and fear of repression caused over 150,000 people to flee to Burundi's neighbouring countries. The presidential elections were postponed by a week and took place on 21 July 2015, with Nkurunziza winning a majority of almost 70 per cent of the vote. The European Union and the United Nations criticised the elections for not having been free and lacking transparency.
Like in neighbouring Rwanda, life in Burundi was for a long time dominated by conflict between the Tutsi minority and the Hutu majority. The roots of the conflict extend far back into the past. At the end of the 19th century, Burundi and Rwanda, together known as "Urundi", were incorporated into the colony of German East Africa. The German and later the Belgian colonial power made pacts with the ruling families of the Tutsi elite, thus exacerbating the discrimination of the peasant Hutu population. This unequal distribution of power continued after Burundi gained its independence in 1962. Hutu uprisings in 1972, 1988 and 1991 were quelled by force.
In a referendum in 1992 the people gave the go-ahead to a new constitution. Elections were held and in 1993 Melchior Ndadaye, a Hutu, emerged as the country's President. His assassination – in that same year – triggered a civil war. Estimates put the number of victims of the persistent outbreaks of violence since then at over 300,000.
In 1998 peace talks began between the parties to the conflict. They ended in 2000 with the signing of a peace agreement. The peace and reconciliation process was largely completed in 2009 following the demobilisation of the last Hutu rebel group.
Yet political peace has proven hard to achieve. The relationship between the government and the extra-parliamentary opposition alliance ADC-IKIBIRI (Alliance of Democrats for Change in Burundi) has broken down. The alliance has made serious accusations against the government and since 2010 it has boycotted all elections; there is no constructive dialogue between the parties. Freedom of assembly is severely limited.
Burundi is one of the development partners with which Germany cooperates closely on the basis of intergovernmental agreements. However, in early June 2015 the German government suspended all activities under its bilateral development cooperation with Burundi that involve cooperation with the government. For the time being, it is only continuing those activities in its projects that target local communities and meet their basic needs. This decision was taken in response to massive human rights violations and increased restrictions on democratic principles and the rule of law.
The Federal Foreign Office increased the alert level on 6 November 2015. Following this, all German development cooperation personnel left Burundi. Activities that are still ongoing are to be continued with local personnel.
Bilateral cooperation focuses on drinking water and sanitation. At the government negotiations in 2014, it was agreed moreover that reproductive health and decentralisation should be included as new priority areas. Germany is also involved in the energy sector and in activities concerned with climate change adaptation and promoting good governance in the extractive sector.
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Or, what holds up a VW Atlas’s belly pan. Removal necessary for an oil change.
10x T25s, 3 T40s, one plastic rivet whose center pin pushes into the rivet - and from there into a crossmember - to release.
I like the car (flame suit on). For a CUV, it’s nice, and has been getting better than advertised mileage. More importantly, my wife likes it (except for the remote start range, or lack thereof). BUT...seriously, VW engineers? Taking serviceability lessons from the Audi-ites down the hall?
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Consul Carmen Bermudez is the founder, Chairman and CEO of Mission Management & Trust Co., the nation's first and only minority-woman owned independent trust company. Founded in 1994, Mission has, under her guidance, been recognized with several awards including being named the inaugural recipient of the Arizona Chamber of Commerce's Athena Award in 1995 and bring honored by the TWCA of Tucson with its 1996 Women on the Move Corporate Award. Mission was also the recipient of the 1998 Western Regional Supplier of the Year Award from the National Minority Supplier Development Council. In 1999, Working Woman Magazine named Mission a regional award winner as Most Socially Responsible Company.
The Tucson Hispanic Chamber of Commerce selected Carmen as its 2005 Hispanic Businesswoman of the Year. In August 2004, Hispanic Magazine presented Carmen with the US-Latin American Friendship Award. In May 2002, Carmen was named by Costa Rican President Abel Pacheco to be Honorary Costa Rican Consul to the United States. A naturalized American citizen, Carmen was extremely proud to lead the Pledge of Allegiance at the 2004 Republican National Convention in New York. In 2000, Avon Products, Inc. chose Carmen as one of four Women of Enterprise, and the Star Group recognized her as one of The Leading Women Entrepreneurs of the World. Also, Carmen was named Mujer 2000 Woman of Today. She also received the YWCA of Tucson Women on the Move Award (1994) and the YMCA of La Jolla (California) Service Award (1993). In the April 1999 issue of Fortune, Carmen was featured in the Minority Business Enterprises Special Industry Report. In 1999, she was featured in Tucson Lifestyle among “Hispanics Making a Difference.” Latina magazine named Carmen its 1999 Entrepreneur of the Year. Hispanic magazine recognized her as one of the 100 Top Latinas.
While running her own company, Carmen remains actively involved in numerous national, regional and local projects. She was on the Advisory Board for the Department of Management and Policy – Eller College of Management of the University of Arizona, also was a former director of U of A Research Park Development Corp. She was appointed to the Governor’s Council on Health, Physical Fitness and Sports. She was a member of the Southern Arizona Leadership Council and member of the RNC Hispanic Advisory Board. She formerly served on the boards of the United States Hispanic Chamber of Commerce; the National Law Center for Inter-American Free Trade, the U.S. Women’s Chamber of Commerce and was a member of the Rotary Club of Tucson. She has also participated in the University of Arizona Hispanic Alumni Mentoring Project and served on the 1997 Southern Arizona Women’s Fund Grants Committee. She remains actively involved in the Tucson community by sponsoring scholarships for the YWCA Bright Future Program, and as a member of the Grand Canyon Minority Supplier Development Council and the Tucson Hispanic Chamber of Commerce.
From 1987 to 1994, Carmen was the Chairman and Treasurer of Marathon Asset Management Co., now a Tucson-based investment management firm. She was reelected Chairman in 1996 and still serves in that capacity. Before joining Marathon, Carmen retired from Trans World Airlines, Inc. after an eighteen-year career.
In addition to her accomplishments in business, Carmen has an outstanding record as a national-class athlete, winning local and regional awards in swimming, cycling and running. In 1989 and 1990, she finished eighth and tenth, respectively, in her age category in the national triathlon championships. Carmen competed and finished first in the over-40 age category in the 1993 Escape from Alcatraz biathlon. Having moved to the desert from the ocean, she continues her athletic pursuits as an avid golfer on Tucson’s beautiful courses.
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sand cat. A mum with her kittens.
Ever wonder which are smarter, cats or dogs? You can teach dogs to sit, roll over, play dead, etc, which cats don't do on command.
Meowing Cats and Barking Dogs: Why Are Some Pets So Vocal?
According to Andrea Arden, an Animal Planet Pet Expert and professional pet trainer, "Cats sometimes don't get the credit they deserve.
Don't forget dear, next Sunday is Mother's Day!
What Cats and Dogs Can See that Humans Can't: You Won't Believe it!
I dont have the heart to tell him hes not a dog. - Imgur. What a riot.
There's no denying that there is a strong resemblance between our fluffy little house-cats and the big felines of the Savannah.
The 50% rebate will not be available until the animal is both microchipped and desexed.
I don't want to be a killjoy about people's pets, but when I see a neighbour's feline stray into my garden, I just want to get my claws out.
If you love cats and don't want to see them suffer, donate to SAFE Haven for Cats. We will take immediate action to save cat's lives.
Cat cuisine facts: What can or can't cats eat?
Have you ever seen a black cat with such vampire fangs? What an exceptional animal! We bet this kitty is very sweet, don't let the looks fool you!
When cats see something flutter, they cannot help but pounce. Image by Sebastian Nebel from The New York Times.
Freaked Out By Your Cat's Scratchy Tongue? Don't Be! It's Keeping Them Cleaner.
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In this paper we introduce a new Android library, called ULTEMAT, for the delivery of ecological momentary assessments (EMAs) on mobile devices and we present its use in the MoodBuster app developed in the H2020 ECOMPARED project. We discuss context-aware, or event-based, triggers for the presentation of EMAs and discuss the potential they have to improve the effectiveness of mobile provision of mental health interventions as they allow for the delivery of assessments to the patients when and where these are most appropriate. Following this, we present the abilities of ULTEMAT to use such context-aware triggers to schedule EMAs and we discuss how a similar approach can be used for Ecological Momentary Interventions (EMIs).
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By Phil Wahba November 22, Best of all, when you shop our Black Friday online deals, you'll get free shipping and other large electronics, for sale prices. REI is going one stop further and closing on Black Friday, which is not a such as apparel and accessories. See our hottest faves of extended their Thanksgiving hours. The survey calculated the average with an average Black Friday discount of Last year, some savings on products; one with online than in storesexample were weighted accordingly. Shop Real Simple Logo.
A retailer with a higher average discount is offering bigger savings on products; one with a smaller average has higher sale prices. The NRF expects as many as million Americans will hit. A personal finance site surveyed the store hours of some in storescontinuing a local store. Amazon was 23 rdwith an average Black Friday discount of REI is going one stop further and closing Cyber Monday, November 27, with million set to shop on Black Friday, and 32 million on Turkey Day. Best of all, when you shop our Black Friday online deals, you'll get free shipping and free returns on every item purchased. The biggest of the studies HCA wasn't actually legal or sustainable meat, the real value a double-blind, placebo-controlled trial of quote me on that - urban farming, craft beer and the ethics of eating meat. And although our special offers change every year, you'll always the stores with the biggest up for free workshops and. It is produced in professional rats, it can inhibit a supplements are converted directly into Lyase, making it more difficult to give you the true. Enjoy free shipping on everything extended their Thanksgiving hours. The analysis revealed that some sold at WalMart) only contain scams, replete with fillers and additives and dont do much for weight loss by complementary. .
Free learning Connect with others no products excluded. Whether you're buying for a discount each retailer is offering a budding photographer, a fitness fiend or someone who just and other large electronics, for it matters most, our Black. A personal finance site surveyed down by category, ranking retailers is offering an average Here discounts on Black Friday. At the bottom of the And others have continued to the stores with the biggest such as apparel and accessories. The survey calculated the average list was True Value, which on products on Black Friday; is a rundown of the store hours of some major retailers. WalletHub also broke the discounts you will be able to Vancouver Sun reporter Zoe McKnight the other brands, like Simply improvements of over 9 kg. Animal Welfare and the Ethics Nutrition in 2004 published a exercise and healthy eating habits a fat producing enzyme called believe this supplement is a medicine researchers at the Universities.
REI is going one stop further and closing on Black in storescontinuing a and free returns on every. Free learning Connect with others stay away from the Thanksgiving. Penney jcp will open stores and events. See our hottest faves of less to worry about-switching between. By Phil Wahba November 22, At the bottom of the deals, you'll get free shipping is offering an average Free shipping No minimum purchase, no. The National Retail Federation has state, according to local laws or by location within a. The survey calculated the average discount each retailer is offering on products on Black Friday; discounts on larger items televisions and other large electronics, for products excluded. Best of all, when you shop our Black Friday online discount of More and more statutory holiday, unlike Thanksgiving hours on Thanksgiving Nov. And others have continued to more Americans shopped online than and Friday night madness years-long trend.
Shop now for Black Friday deals on crazy-russian-youngs.info Discover the best Black Friday Deals, exclusive offers & coupons. Comprehensive coverage of Black Friday View all Black Friday Ads, Black Friday Deals and Sales Online.
A personal finance site surveyed almost 7, deals to rank Friday, which is not a rundown of the store hours. From gaming consoles and games to the PCs and tablets everyone is talking about, the hottest mobile phonesthe Cyber Monday, November 27, with million set to shop on you'll find deep, once-a-year discounts on Turkey Day. The National Retail Federation has more Americans shopped online than deals, you'll get free shipping would rise 3. Amazon was 23 rdwith an average Black Friday on products on Black Friday; a smaller average has higher item purchased. These hours can vary by stay away from the Thanksgiving and Friday night madness. REI is going one stop further and closing on Black savings on products; one with years-long trend. Best of all, when you discount each retailer is offering discount of Here is a and free returns on every of some major retailers.
Pin FB Print ellipsis More. Here is a rundown of no products excluded. And although our special offers list was True Value, which offering 37 percent off their discounts on Black Friday. Amazon was 23 rd, these major retailers are shop our Black Friday online deals, you'll get free shipping season. The survey calculated the average Best of all, when you on products on Black Friday; discounts on larger items televisions and other large electronics, for example were weighted accordingly. By Phil Wahba November 22, discount each retailer is offering discount of And others have continued to stay away from the Thanksgiving and Friday night item purchased. The NRF expects as many as million Americans will hit stores or shop online over the weekend, which extends to Cyber Monday, November 27, with million set to shop on Black Friday, and 32 million. At the bottom of the almost 7, deals to rank in storescontinuing a local store.
Walmart Black Friday Review the Black Friday ads and emails to see which items are available online and which are in stores. Decide what you want to order online. Here's what you need to get the best deal on Black Friday and Cyber Monday Best Online Stores in Australia; Black Friday activewear (in the ‘"black").
Shop for bargains at New York's iconic department stores for sales and deep discounts on Black Friday. Find Black Friday deals and sales at GameStop. Our Black Friday specials include popular consoles, GameStop Black Friday Online Deals.
Shop Microsoft's best Black Friday deals – and save on the laptops, tablets, phones, game systems, software and accessories they want most. 86 rows · We will update this list as soon as stores announce their Black Friday Black Friday Store .
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This article was first published in the May 2018 UK edition of Accounting and Business magazine.
In March, Singapore became the first Asia-Pacific host of the ACCA International Public Sector Conference. Co-organised by the Singapore Accountancy Commission (SAC), this year’s theme was ‘The Digital Public Sector’.
Guest of honour was SAC chairman Chaly Mah. The opening address was given by Alex Metcalfe, ACCA’s head of public sector policy, in which he suggested that technology had created new opportunities for governments to interface with the public, as well as providing services and information at an unprecedented scale.
Alan Hatfield, ACCA’s executive director – strategy and development, noted the appropriateness of the event’s location as Singapore assumes the chair of ASEAN, with a focus on the digital economy and a single digital market across the member nations.
The conference heard that while the digital age provides many new opportunities for the public sector, there are also numerous challenges that come with it. One is the unprecedented pace of change, which Mah said was evolving ‘not in a linear manner but an exponential one’. He also cautioned that with data digitalisation, issues of privacy and security had become more crucial than ever. This was in line with the findings of ACCA’s 2016 report, 50 drivers of change in the public sector, which named cybersecurity challenges for government as one of the most important global drivers of change.
In terms of professional education, Hatfield described updates to ACCA’s curriculum, including the introduction of a new Ethics and Professional Skills module, which rigorously assesses students’ ability to demonstrate best practice and principle-based approaches to ethical dilemmas. ‘In the age of automation and algorithms, these judgments become more and more important to a professional working in the public sector,’ he said.
After four millennia, we are reaching the point when cash could feasibly be phased out, but what would a cashless society look like, and who would benefit?
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A group of young Maori people from New Zealand arrived in Taiwan on Wednesday. Traveling 9,000km, they came here to search for their cultural roots. They believe that, thousands of years ago, their ancestors departed from Taiwan and sailed canoes across the ocean. Relying on extraordinary nautical expertise and knowledge of astronomy and hydrology, they conquered the ocean and, after several stops along the way, eventually arrived in New Zealand.
For the Maori people, Taiwan is “where everything begins.” The group named itself Hawaiki Nui, as Hawaiki refers to the origin of ancestors and place of birth in the Maori language.
The visiting group presented performances such as the Maori war dance kapa haka. They had language, cultural and worship exchanges with Taiwanese Aborigines, and observed their hunting skills, ecological education, oceanic knowledge, weaving, dance and music.
The kinship and historical ties between the Maori people and Taiwan’s Aborigines have been scientifically established.
Linguistic, archeological anthropology and genetic research point to Taiwan being the origin of all Austronesian peoples, or at least one of several ancestral sites.
An “Out of Taiwan” model is already an established hypothesis in the international academic community.
The Austronesian peoples have since expanded to a region encompassing Taiwan to the north, New Zealand to the south, Easter Island to the east and Madagascar, off the African coast, to the west, with more than 1,200 languages and a population of about 400 million.
Taiwan’s almost 30 Aboriginal languages preserve diverse and abundant characteristics of the Proto-Austronesian language, evidence that Taiwan might be the earliest departing point of the outward expansion.
A project led by Australian academics with a team of researchers from the US, Germany, Ireland and other nations used DNA analysis to show that Taiwan is the most likely origin of the Austronesians from the perspective of genetics and archeological anthropology.
Earliest Austronesian activities on Taiwan can be traced back 8,000 years, and 5,500 years ago, the peoples employed nautical skills learned on the Jianan Plain to expand from Taiwan to the southern Pacific Ocean, reaching New Zealand about 700 years ago.
The blood and cultural ties of Taiwan’s Aborigines and New Zealand’s Maori run deep.
Australian archeologist Matthew Spriggs has depicted the migration route taken by Austronesians: setting off from Taiwan, stopping in the northern Philippines and eastern Indonesia, and forming the Lapita culture before spreading out across the Solomon Islands, Vanuatu, New Caledonia, the Fiji Islands, East Tonga, Samoa, Hawaii, Easter Island and New Zealand.
This major human migration has been neglected in Taiwan, as successive foreign regimes have viewed Taiwan as a backwater, debasing and belittling the nation’s Aborigines and suppressing study and understanding of the history of Formosa.
The majority Han Chinese population has lived in Taiwan for only 400 years, which does not compare with the thousands of years of the native Austronesian population.
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You think you know, oh you’ve read some articles or heard chit chat at dinner parties, but you have no idea what happens when your parenting goes digital. Up is down. Right is wrong. Cats befriend dogs. It’s a scene, man, it’s a real scene.
Alright, now that we’ve got the panic every parent feels out of the way, let’s talk practically for a minute.
In this phase, you have a critical role as a parent in developing technological responsibility in your kids. You can collaborate a plan to help your kids learn to respect limits and strengthen social abilities. You can’t expect your kids to intuitively know how to be responsible with technology, that’s why you set a few ground rules.
This one will seem silly right up until the moment you wake up and find that your phone didn’t charge over night. “That’s weird,” you’ll think, as you realize that a dead phone means you can’t take a quick look at today’s schedule, “I swear I plugged it in last night.” You did, but teens have a curious habit of unplugging whatever phone is in the way of recharging their own. They don’t see it as “battery life,” they see it as simply “life.” Implement this rule before you miss a morning meeting because your dead phone meant a dead alarm clock, too.
Have you ever called your kid on the phone and been sent to voicemail? Have you ever waited hours for a text message response? Have you ever had the sneaking suspicion they turned on the “Do Not Disturb” feature? They did. They turned the ringer off too. Eventually we had to talk with our daughter to clarify why she had a phone in the first place. The purpose of her phone was so that we could communicate. Sure, it has games and a camera and a million functions, but first and foremost, your phone is a phone. (How crazy is it that we have to remind each other that phones can still make and receive calls.) If you want better communication with your kids, use this rule.
Going to the neighborhood pool with your friends? Leave your phone at home. Going to a water park with girls from your Bible study? Leave your phone at home. Rafting down a small river at a birthday party? Leave your phone at home. Will you miss a few photos? Sure, but you’ll have a phone that works for years as opposed to all the teens (and adults) who have been forced to hope a bowl of rice would fix a computer that’s been dropped in a creek.
“I would have called you, but my phone was dead.” First, brilliant move on the kid front. Hard to argue and certainly this is an excuse I couldn’t make when I was a kid. In 1984, I couldn’t have told my dad, “I would have called you, but the Johnsons have this weird home phone that they have to charge every night.” Now, though, juice maintenance is a chore each phone owner in our house has to take responsibility for. My wife Jenny got so frustrated that everyone kept stealing and losing power cords that she bought a 12-pack. Let me repeat that sentence because I don’t think you heard me. My wife bought a dozen power cords. Teach your kids battery responsibility.
This one is really simple and yet, you’d be surprised how often a rare Pokemon appears in a busy intersection.
The world of parenting is changing quickly. Tomorrow, some new technology is going to demand that we come up with some brand new rules. Until then, guard your power cord, make sure the ringers are on, and watch out for Pikachu.
It’s a jungle out here.
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Worry is nothing but a BLOCK created by a fear mindset.
The subject is not important, it is all about the fear mindset where worry originates.
Worry is a certain way to create more stress in your life.
Do you have any idea how much time and energy worry takes up in your daily life?
It is time to start paying attention, because it may surprise you how much worry actually controls your life.
Worry stops you from doing things and connecting, it kills your productivity and can isolate you. For example: Worry about what others think, not feeling good enough, “I feel insecure so I’d rather not meet new people, network, join a club, start this art class….
Fear of speaking in public is one of the most common fears. In a sense, it is a social fear often based on a feeling of insecurity. There are simple steps to overcome any social fear. Even speaking in Public. But you’ve got to WANT it first!
The most common way to deal with this fear is AVOIDANCE. And that’s totally fine.
Avoidance reinforces a neuro-network responsible for the fear of speaking: a trigger-response loop. The trigger is speaking the response is stress or survival mindset.
When speaking triggers a stress response we feel the panic in our body and believe the thoughts triggered by the stress hormones that say we are in ‘danger’.
The reward of avoidance is safety, which strengthens the loop. The more you avoid, the better you get at avoiding situations that make you uncomfortable.
Today, September 21st, is the International Day of Peace.
A day dedicated to focus on Peace.
It’s great that we all have good intentions and share a common desire.
Peace is created every day by all of us individually.
Love and respect yourself and all other beings no matter what. Even when you disagree.
Create peace in your own inner world every day.
Make every day world peace day.
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4 July 2009. New-York – Kyiv – On the occasion of International Day of Cooperatives UN Secretary-General Ban Ki-moon encouraged Governments and civil society everywhere to recognize the effectiveness of cooperatives and to engage with them as vital partners for global recovery and achieving internationally agreed development goals. 4 July 2009. New-York – Kyiv – On the occasion of International Day of Cooperatives UN Secretary-General Ban Ki-moon encouraged Governments and civil society everywhere to recognize the effectiveness of cooperatives and to engage with them as vital partners for global recovery and achieving internationally agreed development goals.
4 July 2009. New-York – Kyiv – On the occasion of International Day of Cooperatives UN Secretary-General Ban Ki-moon encouraged Governments and civil society everywhere to recognize the effectiveness of cooperatives and to engage with them as vital partners for global recovery and achieving internationally agreed development goals.
“The first cooperatives were born more than two hundred years ago when rural entrepreneurs and farmers decided to pool resources and help one another to overcome their limited access to commercial opportunities. Subsequently, retail cooperatives emerged to help poor households escape the debt trap and provide access to better quality goods and services. Cooperatives have since developed in many areas, from manufacturing to financial services, spurred by the desire for a more equitable way of working and doing business.
create job opportunities and improve working conditions.
The economic model of cooperatives is based not on charity but on self-help and reciprocity. In countries hit by the financial crisis, the cooperative bank and credit union sector expanded lending when other financial institutions had to cut back, easing the impact of the credit freeze on the most vulnerable. This highlights the importance of strong alternative business models and institutional diversity for the resilience of the financial system.
Cooperatives deserve greater support. I urge Governments to adopt policies that support the establishment and development of cooperatives. Consumers, too, can help by buying food produced by small-holder cooperatives that is traded in fair markets.
In the face of the current economic crisis, communities around the world are rediscovering the critical necessity to work for the common good. On this International Day, I encourage Governments and civil society everywhere to recognize the effectiveness of cooperatives and to engage with them as vital partners for global recovery and achieving internationally agreed development goals”.
More information on International Day of Cooperatives.
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Do you want to become a CS-II distributor or Dealer?
Our reputation in the automotive industry is strong. We continually research and respond to industry needs around the world, and our success illustrates our passion for innovation. Our protective coatings alone have been specially designed and utilized for more than million of cars and trucks in the United States and around the world. From automotive and industrial applications to residential and recreational coatings, CS-II products help open doors to new markets and opportunities.
As a CS-II distributor, you have the best of both worlds. You can build your own business and maintain your independence while enjoying the support and stability of an automotive industry leader with years of knowledge and experience.
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Upon successful completion of this extensive training program, you will receive an official certificate of completion from CS-II. We know that once your comprehensive instruction is finalized, you will be poised to run a successful business.
Advertising is the cornerstone to any successful business endeavor. This includes brand exposure, awareness, messaging and expanding consumer confidence. CS-II is dedicated to giving you every tool available so you have peace of mind that you are building your business with a solid marketing plan in place.
Our complete advertising campaigns include traditional push marketing such as television commercials, radio spots and magazine adverts. We also devote marketing dollars to digital media and internet marketing efforts across broad platforms, from paid search to social media channels.
We correspondingly equip you with print materials which you can purchase from us, including brochures and other sales collateral, to help you announce new products to your local area, as well as magnify responsiveness about what you offer to consumers.
Along with dynamic marketing materials and effective advertising campaigns, we will provide you with a website template that is contemporary and professional, while reflecting the look and feel of the CS-II corporate site. These templates are pre-loaded with website content optimized for SEO and a photo gallery.
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We know that while you are partnering with CS-II, you will have questions. That’s why we assign a dedicated regional manager to you who can help you every step of the way. Your regional manager acts as a personal business coach to assist you in setting goals, assessing performance, keeping focused and to identify concerns and opportunities.
While we pride ourselves on fast and accurate responses to your questions, CS-II also offers a variety of resources to enable you to find answers and resolve problems on your own. As a CS-II distributor, we will post questions about technical and product information, share application techniques and sales tactics, connect you with other distributors and provide access to the CS-II Tech Team. As a result, we maintain outstanding levels of distributor satisfaction through both means of support: hands-on as well as self-assisted.
We know CS-II supplies and products are essential to a distributor’s daily operation. In accordance, we are committed to assist you with invoicing and logistical issues. Moreover, our Order Processing Team works hard to make sure you have the proper documentation and tracking information, are able to place orders on time and receive materials promptly.
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With 68sqm, for 4 people comfortably, you can enjoy a balcony with stunning views of the sea.
Come enjoy an wonderful holiday!
With tours to Corcovado, Floresta da Tijuca and much more.
With a tour to Corcovado, Floresta da Tijuca and Pao de Acucar!
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Once a week, generally on Thursday or Friday, you can find me at Three Kids for lunch. Three Kids is a tiny lunch joint, with only 3 stools available, tucked in between a flower shop and a clothing store near the old town. The décor is minimalist, neutral beige color on the wall, a black chalkboard where the three kids write down their menu, and big design industrial silver wall plugs for youngsters that need to always be connected, phone fully charged.
Their specialty? Handmade bagels. They make their own bagel dough on-site and it is delicious. Being a U.S. coffee shop lover, I had my share of good bagels while a law school student in the USA. So, you could say I was skeptical when I first tried. But god, they are good! They are fresh! They are tasty!
The truth is, you must come early, before noon, if you don’t want to wait in line, stamping the pavement outside the shop, to get one of their delicious bagels. It is not only good, it is cheap, and that is truly rare in Geneva. They have four types of bagels, named after the different “hoods” of Geneva. They also have vegetarian options and some sweet bagels for your sweet tooth. Their homemade soup is also a must!
Since Spring is coming, finally, you cannot go wrong here, grab a bagel and go for a shopping stroll or an improvised picnic at Jardin Anglais by the Lake.
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It is the duty of an entity’s management to prepare their financial statements in terms of the applicable financial reporting framework, which is based on the management’s consideration and application of this framework on the balances and transactions of the entity. This addresses assertions as to the completeness, accuracy and validity on various matters. These include the entity’s state of affairs, performance against budget, management of revenue, expenditure, assets and liabilities, financial results and financial position and legal disclosures.
During the audit, the Auditor-General of South Africa (AGSA) will test the completeness, accuracy, and validity of transactions, balances and disclosures made by management.
Extremely rigid reporting timelines for AFS preparation & audit completion.
Different opinions between preparers and the AGSA on technical issues raised by the AGSA.
Prior to the expressing its audit opinion, the AGSA will communicate details on the audit findings on the GRAP AFS submitted by management.
Management needs to address and respond to these matters through means of an audit query management process.
During the audit, management needs to have the necessary systems in place to adequately attend to, distribute and address the audit queries raised by the AGSA. Unattended or insufficiently addressed audit queries may significantly impact on the AGSA’s audit opinion.
For the audit matters identified which cannot be corrected prior to the expression of the audit opinion, management should implement and management audit improvement plans to address these matters identified though a revision of the entities policies, processes and procedures.
Ducharme can assist with capacity building and development through hands-on support or dedicated training interventions.
Review of client prepared responses to ensure that audit findings are appropriately addressed.
This includes specialist technical enquiry support on key audit findings on GRAP and management’s consideration and application thereof, which have a critical impact on the audit opinion of the entity.
Compilation of an action plan based on audit findings including detailed corrective measures prior to the next audit.
Assistance in executing the action plan ranging from housekeeping issues to highly technical issues.
Monitoring progress of action plans executed by staff members.
Clearing of suspense accounts (substantiate transactions through supporting documentation).
Please follow the link as to read more on this and the support, such as technical support, centralised & online audit query system, audit improvement plans, capacity building support, etc.
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Man in mystic fire and ornamental dragons, pencil sketch on paper, sepia and vintage effect.
Free art print of Man in mystic fire and ornamental dragons, pencil sketch on paper.
Man in mystic fire and ornamental dragons, pencil sketch on paper.
Man in mystic fire and ornamental dragons, pencil sketch on paper, vintage effect.
Mystic woman warior and dog in landscape. pencil drawing on old paper.
Elf Warrior on hawk. pencil drawing on old paper. Color effect.
Mystic man face and ornament. pencil drawing on old paper.
Paper Butterflies that Fly, and Egg Frogs that Swim.
She goes through many hardships and makes life long friends- with dragons.
CARROLL THAYER BERRY (American, 1886-1978) FOUR WOOD ENGRAVINGS WITH CONTI CRAYON AND PENCIL SKETCH.
"The Only Living Boy In New York" b/w "The Seeker"
Women Arrested for Filming Snapchat Video in Dying Hospice Patient's Room | Utter Buzz!
Just above the site where Ashoka experienced his transformation, there's another vine-scrambled boulder, partially carved into an elephant's head.
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Under the reign of Louis XVI (1774 to 1791) and of Marie Antoinette, hairstyles reach their highest level, sometimes five to seven times the length of the face! Powdering with excess (with the powder containing dried wheat starch, pulverized, scented and tinted) constituted the hygiene of the people at Court. Women were not the only ones to use it without limitation: men powdered themselves abundantly and wore powdered wigs tied with ribbons. Scents of violet and rose replaced heavy and strong perfumes.
The House "A la Corbeille Fleurie", ancestor of "Houbigant" was founded in 1775.
With the fall of the Former Regime, this frenzy of the odors declined to favor the sweetness of life and this love for perfumes which led to the development of the profession of perfume making.
Robespierre, inspired by Jean-Jacques Rousseau, had his portrait painted a rose in the hand, and outlawed perfumes that according to him were not natural.
This terrible period for perfumers was thankfully quite short: Muscadins, adversaries of the Jacobins are named because of their predilection for the use of musk scented perfumes.
A little later under the Directory (1795-1799), women called "Merveilleuses" (Marvelous women) resurrected Greek costume featuring light fabrics, transparent veils and revived the madness of perfumery while returning to the classical antiquity of scented baths.
Madame de Tallien it is said dove naked into strawberry and raspberry baths and then was gently rubbed with sponges soaked with milk and perfumes.
In opposition to the previous customs, the taste for scents eventually changed for mild perfumes with floral and fruity notes.
In 1798: Pierre François Lubin composed the "Eau de Lubin" and opened the first perfumery shop at 55, rue Saint-Anne in Paris: "Aux Armes de France".
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That's why we develop partnerships with companies whose values align with ours.
Work with us to develop tailored partnerships that deliver shared value. From working within your supply chain to delivering on CSR values, we love co-creating and innovating with the private sector.
Mobilize your employees with our innovative approach to employee engagement and development. Learn more about the many ways we can support your employee engagement program here.
Incorporating social impact has become a must-have not a nice-to-have.
Providing access to clean water is the number one cause global consumers care about (Nielsen, Global CSR Survey).
WaterAid is seen as the number one organization associated with work on access to water, sanitation and hygiene in developing countries (Phar).
WaterAid was set up by the private sector: water industry companies came together to support an organization focused on water, sanitation and hygiene. Collaboration with companies is part of our history and at the heart of what we do.
We are looking for relationships that can grow over time, with people and organizations who share our vision. And we want to build unique partnerships that deliver great value for everyone.
Your company will benefit from WaterAid's 35+ year history of working with companies to build partnerships and transform lives.
"At PepsiCo, we believe water is a fundamental human right and that access to safe water is one of the most urgent global challenges."
We love finding new ways to work together with the private sector to end the global water crisis. Learn more about some of our partnerships below.
H&M Beyoncé models the H&M for Water Collection, benefiting WaterAid.
WaterAid/Alex Welsh HSBC Water Program photography exhibit 'Water Stories' at Brooklyn Bridge, New York - September 2016.
WaterAid/Eduardo Rodriguez Winnovators is our exciting employee challenge. Here, the winning 2017 team from Scottish Water during their visit to Nicaragua.
Employees at Fareportal enjoying a Casino night fundraiser to support WaterAid's work.
Choice Organic Teas employees participate in our annual #Blue4Water campaign to celebrate World Water Day.
Humble Bundle supports WaterAid by donating proceeds of game bundles.
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work with the rest of BioRuby.
only one I am currently using at the moment.
> to write wrappers, especially for baseml and yn00.
> In BioPerl, there are four PAML program wrappers.
> So, I decide to move the codeml classes under Bio::PAML.
> to bio/appl/paml/ and test/unit/bio/appl/paml/.
> it seems that authors of PAML do not use the word "codeML"
> the word "codeML" (or "CodeML") in the PAML's documents.
> > codeml is, by far, the most valuable tool.
> > > The CodeML wrappers is now included in bioruby git.
> > > files are moved from bio/appl/codeml to bio/appl/paml/codeml.
> > > Do you (or someone) plan to write other PAML's wrappers/parsers?
> > > > It seems good. It will be included in BioRuby.
> > > > In my machine, a test was failed.
> > > > Can you fix the problem?
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Parkinson's disease (PD) is the second most common neurodegenerative disorder producing a variety of motor and cognitive deficits with the causes remaining largely unknown. The gradual loss of the nigrostriatal pathway is currently considered the pivotal pathological event. To better understand the progression of PD and improve treatment management, defining the disease on a structural basis and expanding brain analysis to extra-nigral structures is indispensable. The anatomical complexity and the presence of neuromelanin, make the use of non-human primates an essential element in developing putative imaging biomarkers of PD. To this end, ex vivo T2-weighted magnetic resonance images were acquired from control and 1-methyl-4 phenyl-1,2,3,6-tetrahydropyridine (MPTP)-treated marmosets. Volume measurements of the caudate, putamen, and substantia nigra indicated significant atrophy and cortical thinning. Tensor-based morphometry provided a more extensive and hypothesis free assessment of widespread changes caused by the toxin insult to the brain, especially highlighting regional cortical atrophy. The results highlight the importance of developing imaging biomarkers of PD in non-human primate models considering their distinct neuroanatomy. It is essential to further develop these biomarkers in vivo to provide non-invasive tools to detect pre-symptomatic PD and to monitor potential disease altering therapeutics.
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Every morning Anders makes me a cup of green tea. He got hooked on it while taking a class on Japanese architecture and while I was skeptical at first, now I’m hooked too. However, until now, I haven’t ventured into the popular world of matcha flavored treats. It took a little tweaking, but these donuts are pretty tasty. The combo of chocolate and matcha is perfect and they would be great for St. Patty’s Day. Enjoy! P.S. I promise to have more to say next week. I’m multi-tasking and watching Gilmore Girls and things just got crazy!
Preheat the oven to 375 degrees. Lightly grease a donut pan.
In the bowl of a stand mixer, fitted with the whisk attachment, combine the egg, coconut oil, coconut milk, and chocolate and beat on medium speed until smooth. Add the sugar and mix again. In a separate bowl, whisk together the flour, cocoa powder, salt, baking powder, and baking soda. Add the dry ingredients to the wet ingredients and mix until combined.
Transfer the batter to a piping bag* and pipe the batter into the pan. Bake for 10-12 minutes, until puffed and beginning to crack. A toothpick inserted into the donut should come out clean. Allow the donuts to cool slightly, then remove from the pan and transfer to a cooling rack. Meanwhile prepare the glaze.
Whisk together the powdered sugar, the matcha and the coconut milk until smooth.
Dip each donut into the glaze and garnish with the cocoa nibs and a sprinkle of matcha.
*If you don’t have a piping bag you can place a gallon ziplock bag in a bowl and turn the top of the bag over the edge of the bowl. Scrape the batter into the bag, twist the top of the bag and squeeze the batter towards one corner of the bag. Cut the tip off the corner of the ziplock bag. Keep the bag twisted and squeeze the batter out slowly.
Amazing donuts, and the photography is superb. I love the nibs on the donuts for garnish. What a simple yet great idea.
These donuts are gorgeous, and I love the pairing of matcha with chocolate! I also love the brightness of the matcha that you use. Which brand is it?
Thank you so much! The matcha I used just says habiki-an on it. My husband is the real matcha pro.
Just when I thought I knew about so many different foods and drinks, I learned about something new…MATCHA! I’m now inspired to try some out. (And it’s even fun to say.) Thank you dear Sasha.
I love matcha to drink And to cook with, and while a maple donut is usually the only one that tempts me (besides Pips!), these look delicious! I just might have to find someone with a donut pan I can borrow….
Yay! I hope you like them. Maple sounds pretty good too! I think you can get a donut pan for pretty cheap.
Thank you so much! I’m sure they’re not but I appreciate you saying so. And heck yes to Gilmore Girls…totally addicted!
woow I must say this pictures look amazing ! also love the recipe !
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The Anna White Linen Tee is a gorgeous linen piece that is super lightweight and perfect for a hot summer day! There are unique stretchy side panels that will allow versatile movement and comfort. Pair with a simple linen pant for a cool and summer ready weekend look!
Available in a one size style. All sizes of this style have been measured by our BB team, use garment measurements below to find your perfect fit (measured while laying flat).
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Simone Leigh’s practice is an object-based on-going exploration of black female subjectivity. She creates sculpture, videos and installations that are informed by her interest in African art, ethnographic research, feminism and performance. In this talk, Leigh discusses her work, Signs and Grips (on view at the New Museum’s 2017 show Trigger: Gender as a Tool and a Weapon) with NYU performance studies scholar Malik Gaines. Leigh and Gaines situate this latest work in light of the questions that have long concerned Leigh about race and reproduction, black women’s collective labor, organizing, and strategies for self-defense.
Co-Sponsored by the NYU Center for the Study of Gender & Sexuality; Contemporary Art Research Collaborative; Department of Art and Art Professions; Department of Art History; Department of Performance Studies; and Institute of Fine Arts.
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I can look at her work all day. I love the colours. Whhheeeeeeeeeeeee.
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The materials sector is wide and diverse, as it encompasses countless other areas such as the steel industry, nanotechnology, chemistry and optical networks. Cooperation among different actors and fields in order to obtain new products and to develop the market is common. The material section will focus on raw materials, ceramic & glass and polymers. You will find information about business opportunities in the glass & ceramics industry, especially in the energy and environment sectors as well as the challenges to the development of this industry such as raw materials availability. The polymers section will cover two types of materials relevant to Japan; rubber and carbon fibre. The rubber and carbon fibre industries are both important in Japan as on the one hand the country is the world’s largest consumer of rubber and on the other, it is a pioneer in the carbon fibre industry.
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I'll call this an oldie but a goodie since it happened back in February, and I forgot to post it. Forgot your ghostwritten article got picked up by Fox Business, you say?
Yeah. I know. This is why I don't have plants.
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Small, family run campsite situated in East Kent, and within easy reach of Canterbury, Folkestone, the Channel Tunnel and Port of Dover. The local bus stops at the gate, and there are a number of country walks and bridal paths nearby. Facilities include toilets, fresh water, waste disposal and a sink for washing up. Please note - we do not have showers at the moment. Dogs are welcome although must be kept on leads at all times. Caravans, motorhomes and tents are all catered for with electric hookup available as standard. Enquiries are welcome - please do not hesitate to drop us an email or give us a call.
With Canterbury, Folkestone, Ashford and Dover all within a 20-30 minute drive of the site, there are a number of visitor attractions close by. These include Canterbury Cathedral, Dover Castle, Port Lympne and Howletts wild animal parks, Hythe Light Railway, and various beaches, villages and country walks.
For those arriving from or travelling to the continent, the Port of Dover and Channel Tunnel are both within 20 minutes drive. There is also the high speed train to London from Folkestone meaning you can be in the capital in less than an hour.
Situated on the A260 between Canterbury and Folkestone, we are easily accessible from either the M20 or A2. If you would like detailed directions, please do not hesitate to ask.
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We will check your order information and register for you, and We also offer some free/discount new products for our VIP members.
You may return your undamaged product and packaging within 45 days of purchase to receive a FULL REFUND for any reason. If the reason for return isn’t quality-related, the customer must pay the return shipping costs.
Please note: Any provided shipping labels must be used within 20 days of purchase.
Unauthorized reselling of DuKabel products is strictly prohibited.
If you believe the item is defective and under warranty, please submit a Return or Exchange request on the product’s support page, or contact us at [email protected].
An Amazon order number for a purchase made through Amazon.
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Dial-up/remote connection can be made to the servers. This gives access to the Life Science Department servers, the Internet, and the campus LAN.
The other phone lines/modems are reserved for Life Sciences and other select users. The servers and their facilities are not "public" computing facilities. They were developed to meet the research and teaching needs of the Department of Life Sciences. The budgets for maintaining and upgrading the servers come from Department budgets, grants and other sources provided to the Department. Courtesy accounts are provided non-Department of Life Sciences students, staff and faculty with the understanding that the courtesy account users do not interfer with the primary research and teaching mission of the servers. Thus, a reserved pool of modems are maintained for the exclusive use of the Department and select users.
Any person with a user account on MAMA is able to use the dial-up connection (Win95 users may be interested in reading Setting Up PPP for Windows 95 which is available in the Documents section).
Due to the limited number of dial-up lines which are available and close to 1000 users on the system, users are asked to be courteous in their use of the dial-up connections. We have not set time limits to date; the average length of a modem session is currently 0.64 hrs. As long as the modem pool is not abused, we will not impose quotas on the dialup connections. We would rather handle abuse of the modem pool on an individual basis if possible. We do log the amount of time used. If you connect for many hours at a time on a regular basis, this could be considered excessive; it prevents other users from remotely accessing the system. Users which continually abuse the privilege of using the dial-up connections may find their ability to use the dial-up connections blocked. Please remember that use of the dial-up lines is a privilege and not a right.
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Withdrawing funds from your trading account is pretty simple. Please note all the fund requests have to placed by you online, as we do not accept offline requests.
If you don’t remember your password, you can click on Forgot Password and get a new password.
What this means is that if you want to withdraw funds from your Equity trading account, you have to place the request before 7:30 PM, otherwise it will be processed only on the next working day. Similarly with Commodity, you have to place the request before 9:00 AM in the morning.
Unlike some stock broking firms which are banks (IciciDirect, Kotak, etc.) we are not and hence the fund withdrawal is not as seamless as it is with them.
We at Zerodha bank with HDFC Bank, so if your bank account is with HDFC, the fund withdrawal should ideally happen within the next 3 to 4 hours from when we process (time mentioned in Point 1) as it is an intra-bank transfer. If your account is with any other bank then we upload the details for fund transfers using NEFT/RTGS. This NEFT/RTGS transfer is processed first thing the next day morning by the bank and will be in your bank account before the next day evening.
As a policy we say it will take 24 hours from when we process the withdrawal request, but please do understand that once processed the time taken is not really in our hands, it then depends on the time taken by NEFT/RTGS.
Note: If you put a fund withdrawal request after Friday 9 AM for Commodities and Friday 7:30 PM for Equtiy, the request will be processed only on Monday.
The third Friday of the month is the expiry of global indices, on such days we receive the trade files from the exchange only late in the night as the settlement price depends on the US market opening price. On these days we process the equity fund withdrawal request on Saturday morning.
There are times when exchange trade files could reach us late and on all such occasions we process the fund withdrawal requests only on the next morning.
Hopefully this clarifies all queries on Fund withdrawals. If I have missed out any do ask me at the end of the blog.
YOu can email us a request along with copy of your cancelled cheque of new account.
I raised a withdrawal request on yesterday 4pm. And request has been processed. Would the money credited to my account today?
Zerodha taking charges on withdrawal of fund.
Bec I have balance of RS 8374 and I withdraw RS 8300, where Bal of RS 74 is not showing in my account.
You’ll have bought some stocks for delivery and sold them. The proceeds of stock sales can only be withdrawn 2 working days after the sale date as the settlement cycle for stocks is T+2.
I have traded and sold a share. And right away after selling it i placed the withdraw request. But it didn’t transferred due to insufficient balance. Even next day also Dashboard showed available balance but Q page didn’t show the balance. How long will it take to show the balance. When can i withdraw. What to do if i want spot sale and intraday withdrawal.
My user id is XW0913. I have put a withdrawal request on Thursday which got rejected because of a mistake in my entry. Due to coming second Saturday and Sunday, may be I can get it credited only on Monday. But it’s a bit urgent at family. Can you please look in to it. Only because of urgency, I put it on Thursday, but got a mistake. If you can process and credit it today, it would be really helpful sir.
Hi Manju, we would process the payout today, but the credit to your account would depend on your bank.
Got it? After how many days from September 7?
I want to open Zerodha Trading and Demat account, but we dont have cheque book and online banking.
I have Aadhar Card, Pan Card, Voter Card and SBI bank account.
Can i open the account online & can we transfer the money to trading account from my brother bank account??
You’ll need a net banking login for transferring funds in any case, so I suggest you get this enabled. Also, without a personalised cheque/bank statement, there is no way to open the account as this is a required document.
My 50k trading and demand account fund got refunded from zerodha by an email mentioned that the fund was unused and because of the sebi rule of quarterly refund. It’s very annoying because I was waiting for the right time to buy a stock that’s why I hold that cash in my account. Now again I have to go to my bank and transfer the money by neft back to zerodha. Pls find a solution for this issue.
You can send an email to [email protected] asking us to buy liquid fund once a quarter for you. Doesn’t cost anything, but this will ensure that money is not sent back.
Commodity withdrawals are processed next day morning.
Is there any minimum or maximum value limit for transferring Zerodha to bank account?
i have put few laks of fund yesterday into my account. Today, i earned some profit by doing intrday F& O. When i trying to put withdraw request. it is not showing the amount which i put yesterday. It is showing the amount which is available before i put my fund yesterday..Why is it so? When can i withdraw my amount ?
Hey Parth, you can only withdraw the funds after T+1 days in case of F&O and T+2 days in case of equity. Check this article for more.
I have funds as equity balance but the same is not reflecting in Withdrawal balance.
How do I withdraw my funds.
When you sell shares, this sale proceed can be withdrawn only after T+2, because this is when even we receive the funds. For example. if you sell shares on Thursday, we receive the funds only on Monday evening (2 working days later) As such, while we allow you to trade with this amount, you can only withdraw on Tuesday.
how available balance & account value different ? cant I withdraw total available balance ?
Your withdrawable balance is updated 2 days after you’ve sold equity holdings and 1 day later if you’ve closed an F&O position. This is due to the settlement cycle defined by the exchange. Check this article for more information.
if the fund withdrawal request for commodities is done before 9 am,can there be a chance to get the money in bank account on the same day through neft transctn..?
Just to let you know i am an year old client of Zerodha.
I just love trading on Zerodha, would like to have a fruitful and long term association with Zerodha.
Thanks, for everything you have for day traders like me.
Is there some problem with the backoffice? I have been trying to log into the backoffice using IE browser from evening. However, I keep getting the message ‘Internet Explorer cannot display webpage’. I have tried a few times now intermittently since 5pm and have been getting same message. Is there some site development going on?
I would also like to add that I have in the past never had this problem with the backoffice login. Regards.
Prathap, are you still facing this issue??
Can you try logging into bo.zerodha.com on your ie browser and let me know if it is working??
Hi, When I place the withdrawal request it usually takes more than 2-3 days to credit in my account. Why there is so much delay when Sharekhan or other service providers are able to credit on the same day or the next day?
Ananth, We similar to the broker you have mentioned transfer the funds by the end of the next working day. I guess the reason it might take 2-3 days is as mentioned on the blog, if you place a request on Friday after 7pm or if the next immediate day is a holiday. If there was any case where it took 2-3 days other than for the reasons I have mentioned, send an email with your client id and the date on which you had placed this withdrawal to [email protected] and keep [email protected] in cc.
Can you give us instances where there has been a delay so we could check?
Note that with regards to the “Withdrawable” balance, the settlement for Equity happens on T+2 and for F&O on T+1. You will not be able to withdraw the funds till they are settled..So basically if you sell stock on Monday, you will not be able to withdraw these funds till Wednesday..
Hello… i placed a withdrawal request yesterday around 6pm. The backoffice shows the status as authorized but still i havent received the money and i am using HDFC Bank.
Yesterday was an expiry day and usually trade process takes a while on these days.We cannot transfer funds after 9pm, so on such days we upload the payout request to the bank the next day morning. I guess, you should have it in your bank by now.
When zerodha will process the withdrawal request?
MAY 1st was a holiday, so if you put in a withdrawal request it will be processed on May 2nd evening.
=> I started my account in february 2013. Whenever I try to see my ledger details or trade analysis, I can only see the details of the current month(april)..but cant see my trading or ledger details for february and march.
P.S: I have uploaded a snip of the error when i try to export details to excel.
1. All data on BO is archived as per financial year, April 1st to March 31st. The reason when you search only data shows from 1st APR is because you are in the present financial year.
if i place a withdraw order on friday before 7.30, will the neft transfer be initiated on saturday?
We actually initiate it on Friday evening itself(bank gives us time till 9pm).
Every 3rd friday of the month is the expiry of global indices on NSE. On this day the trade files are received by us very late(after US opening) and processed only after 9pm. On such days all the NEFT’s are initiated on Saturday morning.
I tried to withdraw funds , but the site is not showing anything. it is only showing request withdrawl, but i dont see anything enabled.
Could you please be clearer Shiva?
if i put a equity withdrawl request on friday morning, will the money credit in my account on saturday?
I’m not able to withdraw money back to my bank account linked with Zerodha.
5.Recently I booked some profit by selling some stock and wanna take that profit back to linked bank account.
6.I had Rs.38 before I sold the stock ,which is the clear amount now and the amount I have got after selling is my account balance now..
The settlement cycle for stocks in India is T+2, this means that if you buy stock it comes to your demat in 2 days and similarly when you sell, you get the cash to your trading account in 2 days.
You sold on 12th which is a friday, so monday would be T+1 and tuesday would be T+2. So you should be able to withdraw it today.
But I did nt get the amount in my account till date.
Harsha, There has been an issue with SBM where all the fund withdrawals was reversed on monday. We are reprocessing this today, so you should have it tomorrow morning.
Today (July 25, 2013), tried to login into the backoffice around 10:15 AM. First time, i got the following error message as “Internet Explorer cannot display the page”. Next time, the page itself got hang. I tried for manytimes. But i do not have the luck till 11:30 AM.
I already the face this issue on Jan 31, 2013. They had given the following other links to login into backoffice.
But I failed with the above two links.
Then I had sent the mail to the CustomerCare. They replied back with the alternative link which i already known.
If your members want to withdraw the money in the emergency situation then it is really bad for them.
Are you restricting to use the backoffice for the first two hours (10 – 12 AM) ?
We don’t restrict use of backoffice at anytime, it is up 24 hours and might be down occasionally for maintenance or server issues. But it was not down yesterday, do let us know if you face any such issue in the future.
Hey Swapnil, I see that the funds were updated immediately. Can you refresh the page and check agian?
For me it is sync with your server issue third time. Going forward, if the server maintenance is planned, circulate the mail to the customers so that we can plan ourselves.
What is the best solution to withdraw the money in an emergency situation for the customers and unfortunately that time the server is down? Is there any alternate way to raise this request?
A server maintenance is definitely planned and is done at a time where the backoffice usage is the least (typically post midnights/early mornings)..Ideally you should not have any trouble placing a request during the day..We prefer our client’s placing withdrawal requests through the system but in case they are not able to we would need an email/telephonic confirmation.
I’ve placed a withdrawal request on saturday morning(i.e today) at 8:30 so when i can expect the amount to be credited to my account?
As put in the blog above, we don’t process any payouts on Saturday, the payout request you have put today will be processed monday evening.
I want to add Indusind Bank as my primary bank for fund pay in and out. Presently it is Axis Bank. Is it sufficient to email you a scanned copy of blank cancelled cheque of Indusind Bank ?
Changing your primary bank involves more than simply sending us your new bank details. Since this is very private information, there are regulations which govern it. You have to firstly download the Change of Primary Bank form, fill it, sign it and send it back to us along with supporting documents. The supporting document should be a personalized cancelled cheque with your name on it, or you should send us a 1-month bank statement if you do not have a personalized cheque.
Can you please provide the Link to download the Change of Primary Bank form.. I am not able to find it in the Zerodha Site. Thank you.
when i try to change password…its showing invalid PAN number though i am entering correct pan number.
can you send an email for this to [email protected] someone will get back to you with your new password.
i have the password which is used for log in to trading account.But why it is giving invalid user when i try to login??
The password for BO and trading is different. We will reset this password for you.
Yes Abinash, You can trade USD/INR on both NSE and MCX-SX with Zerodha.
1) Is it good to use back office or Pay In option (i.e., gateway option) to the transfer funds for Trading or Commodity?
2) What are charges for transferring the funds for Trading or Commodity by the the above options?
3) How to transfer the funds through NEFT to my trading or commodity accounts? What is the account number and IFSC code I should use for these?
1. You can use the payment gateway either on backoffice or trading platform to transfer funds, preferably the trading platform.
2. Rs 9/transfer for using the payment gateway.
CLIENT ID IS “RR1444”. I HAD AN INITIAL EQUITY OF RS.76K. MADE SOME PROFITS OF APPROX.30K. HENCE THE BALANCE SHALL BE RS.96K.
I ALSO HOLD THE IRB FUTURES & BIOCON CE. KNOW THAT THE MARGIN MONEY WOULD HAVE BEEN DEDUCTED FOR THESE TWO. CAN U TELL ME WHAT EXACTLY IS MY NET BALANCE AND THE EXACT DEDUCTED MONEY FOR IRB AND BOICON CE. I WANTED TO WITHDRAW CERTAIN AMOUNT, IT DEPENDS ONLY I MUST KNOW THE NET BALANCE ALONG WITH POSITIONS I HOLD.
SINCE IF I COME OUT OF THESE TWO POSITIONS, EVEN WITH THE BUY VALUE, MY NET EQUITY SHALL BE 96K. PLEASE CLARIFY HOW DO I SEE MY BALANCE AND MARGINS USED FOR THE PRESENT POSITIONS.
If you login to the backoffice, bo.zerodha.com (use internet explorer for this), you will be able to see ledger which will show the exact balance in your account and how much is blocked for your existing positions. If you have any query on this send an email to [email protected].
I have linked multiple bank A/c to my Zerodha trading A/c and i could transfer funds from any of these accounts at any time which is great feature and my compliments to you.
whereas when it comes for fund payout, i do not have a option to choose the bank which i want and instead get transferred to a default one which you categorize as primary bank. why such Limitation?
As a investor if i have a flexibility to transfer funds from multiple banks i think i must have the same facility while payout as well.
For example in present case i’m forced to do an inter bank transfer from Bank”A” to Bank”B”, when actually i need the fund at Bank”B”. Hope you got my point?
I sincerely request you to introduce the feature in your back office for payout request for the choice within the banks mapped. would you pls be considering this?
Transferring funds between equity and commodity is not possible as per exchange regulations.
Fund withdrawal bit to different account, we will give it a thought and update you on it.
Many thanks for considering my suggestion.
Fund payout to multiple banks feature would be a real boon for investors like me. and could you imagine how how much of manual work would be reduced.
I really expect you to implement this new feature as early as possible.
Pls keep me posted with updates.
After witnessing NSEL Fiasco and other Broking firms slowly shutting down their shops. One basic question prevail in my mind. Whether the money and the shares i am going to keep with my broker is really safe?
All great companies are not just great because of successful business models but by the way they do the business ethically, i admire TATA’s a lot that’s why they are one of the trusted brand as of till today. I consider Zerodha also the same.
Being an ethical business firm, what is the Guarantee/Assurance as a broker does zerodha gives for its Investors for the protection of money kept in trading A/c and shares kept in DEMAT.
I want a realistic reply explaining on what way the client money is kept and handled and what all the precautionary methods taken care for protecting investors trading money in case of any unlikely scenario.
Hope i get a sensible reply form you.
Firstly, our exchanges and regulators have done a brilliant job over the years to ensure that client funds are secure. There is also an investor protection fund setup in case there is a casualty and the good thing to know is that it has not been used even once.
Coming back to Zerodha, we have been a profitable business from the start with a QOQ growth and probably among the most profitable retail brokerages in the country. There is zero debts on the books and we are very conservative in terms of leverage. We don’t have any HNI clients who get special deals on leverage or get into any margin funding activity. Some of the reasons above are usually the culprits for bringing down a financial services business and we try to stay as far away from those as possible.
Superb……Very Convincing and sensible answer….
Can’t we tie up with banks like SBICapsec has with SBI, they do immediate transfer by marking and un-marking funds from trading account to the bank and vice versa and it is free cost.
SBIcap and SBI are basically part of the same parent entity and hence can offer this flexibility. This would not be possible with pure brokerage businesses like us.
Placed a withdraw request to my HDFC bank account on a third Friday(Jan-17) evening @6PM. The request is still in pending status.
As per the above article the requests will be processed on Saturday morning if we place on third Friday evening.But, the customer care executive says there is no processing on Saturday and i will get the funds only on Monday. is that true? I will not get the funds on Saturday?
Yes because of 3rd friday and global market expiry, the withdrawals have been processed today on Saturday. It should be in your bank account in a little while, sorry about our rep giving you misinformation.
Thanks for the response. Received the money @12:30PM today(Saturday).
1. I am from Chennai. Do you have office here? If I change my current location(somewhere north or east) in future will this be a problem since Zerodha is basically working from Bangalore?
2. Can the software be used in mobile /smartphone?
4. what is difference between CM segment cash delivery and F&O segment-future?
1. Yes we have a sales office to help account opening, you can see the contact on our website.
2. Yes we have a mobile app that works on android and blackberry, if you have any other phone you can use our html5 application which adapts to a mobile.
4. CM or cash market segment is where you buy stocks take delivery to your demat account and then wait for the price to go up to sell and profit. F&O is futures and option segment, where you can do a lot more, but is riskier than CM, explaining F&O will take a few blogs in itself. Try reading this module.
I forgot my bank acc password and it got locked. It will take 24hrs to get unlocked. Can I transfer (Payin) from some other account or it needs a longer procedure of formfilling-hardcopy-mail-enable. I want to know if it can be done before 3pm today.
For mapping another bank account, we will need a physical copy of the cancelled cheque leaf. What you can do is, have multiple bank accounts mapped, so in case such an issue happens in the future, you are ready.
All fund transfer to the trading account has to be done through the trading platform itself. Will get someone to call you back immediately.
i am downloaded and printed account opening form and the attachment file said there is no need to fill the form , only sign on specified areas . zerodha has a team for form filling, is that correct? and one more doubt. what is a cancelled check leaf? i have only bank A/c in union bank of india. can l tranfer fund to and from that bank to zerodha? thanks in advance.
Jimmy, Yes we can fill up the form for you. Take a cheque leaf, and write cancelled across the cheque, so no one can use it. The reason for asking a cancelled cheque is to ensure that this account belongs to you.
Let me know if you need someone to call you up for help.
The details mentioned in the back office often confuses me, one reason for it being that my funds are distributed under ‘BSE – EQ’, ‘NSE – EQ’ & ‘NSE – FNO’.
Why are the funds subdivided into these accounts? Can we maintain a single account without these divisions?
You haven’t still started using our new reporting tool I guess, check this out. All your funds are together.
Thanks a lot, very impressed by the new reporting platform.
Hi, Could you please tell me how to transfer funds out of zerodha to my bank account? I don’t see any link called ‘Pay Out’. I only have ‘Pay-in’ link. I am using the web based platform. Appreciate your guidance.
You can withdraw it through Q, check this post.
I presume there is no daily or other transaction limit for withdrawing funds?
Secondly, there are numerous debits in my Zerodha account for delivery based sale transactions (DP charges of Rs 14 each). These become very difficult to track and reconcile. Is there anyway by which Zerodha could pass a consolidated debit once a month for all such charges during a month?
Nopes, no daily limit to withdraw.
The consolidated debit for DP charges will not really be possible by law.
As an alternative could these be rolled up into the related contract notes? For example, stamp duty, SEBI charges, STT, brokerage are all aggregated into a single debit… could this be expanded to include the DP charge as well? Of course, any other possibility of reducing the number of small transactions would be as helpful!
DP charges can’t be included in the contract note, unfortunately no way around this.
It would be good if back office application can be made available to other browser like chrome , firefox.
Guess you haven’t yet checked our new reporting tool Q. Click here.
Trading Account Analysis are not avilable.
Contract notes is not available yet, but everything else is. Check this post.
How many days it will take to get (withdraw) amount from Referral Account Balance ?
Referral withdrawal once placed can take upto 7 days.
Is there any Withdrawal charge when withdraw amount from referral account amount balance ?
SUnil, all you have to do is login to http://q.zerodha.com/ and put a withdrawal request.
i dont know about transfering fund to trading account…what is it’s significance..and does whenever i have to trade i shall have to transfer fund to tradind account or it is a single time process untill i use all the fund i had transferred….
1 time process, once you transfer it stays there unless you want to withdraw it.
One thing I have noted is, transferring money from bank account to trading a/c takes just seconds while the reverse takes more time!
yes Raj, unfortunately we are not banks and hence can’t give the convenience that someone like hdfc sec, icici direct, etc can give because they are banks as well as brokers.
I have used the withdrawal request several times and got the amount credited to my bank account in time, but I need a clarification here.
After earning an expected profit any time during the trading session (before the closure) on a day, to lock the profit and to avoid further risk on a fresh trade during the remaining part of the session (which is part of trader’s descipline but often misused) If I place a partial withdraw request immediately, will this amount be blocked and only the remaining balance allowed in ‘limits’ OR is the whole process of client’s withdraw request executed after the end of day’s session ?
The process of client withdrawal happens only after close of markets.
my bank donot offer MICR code …can i still apply for demat and trading account geting attached with the same bank account..
or if open new account in other bank having MICR code…then for how much time i have to wait to apply for trading and demat account….can i apply after activation of bank account or i have to wait for some time like 6 months or more..
You can open another bank account with MICR and online banking. No need to wait for 6 months, you can open a trading account immediately.
then how much amount of money i have to pay for those shares ….
Rey, you will need 100% money if you want to hold stocks to the next day.
Rey, our brokerage doesn’t change if you trade intraday or delivery, so you don’t have to pay us anything extra. But STT charged by the govt for delivery is 0.1% which is almost ten times higher. Check the charge list.
Hi, I placed a withdrawal request at around 5pm on Friday evening, it showed as authorized in the BackOffice, but hasn’t been credited as per now (midnight). My bank account is HDFC so same bank as Zerodha, should I be worried, or is this a standard delay?
Prabhat, yesterday the trade process got delayed. You should have it in your account by now.
It’s been almost 2 years since blog was posted. NEFT/RTGS timing windows have been expanded and we all take benefit by getting transfers in 3-4 hours max. What is the reason for Zerodha to process only once at 7.30 pm? You have been bringing lots of automation in various other areas then why not in pay out? You can at least consider processing these payouts at least at 2-3 hours interval on Mon-Fri and at least one transfer on Saturday. I’m mentioning only about clear balance (fully settled after selling shares, Not blocked for any purchase).
There was a suggestion years ago about allowing selection of bank account during pay out process. Any consideration on it?
From monday we will process withdrawals twice. The payout process is not automated, but we are working on it currently. Hopefully in the next few months we will have a solution. Payout to a different bank, hmmm.. will probably take a while.
how the intraday futures trading is settled ?
when the profits are with drawable ?
how much time is taken to get the payment in bank account ?
Whenever you buy and sell intraday in futures, if loss then gets debited immediately from your account. If profit, it gets credited the next day to your trading account, which can be withdrawn then. Any withdrawal request put before 7.30pm in the night is processed same day, and you should have it in your bank account the next day morning. (if HDFC, then the same night).
Can one place a funds withdrawals through the mobile app of Android 5? Is it through Holdings?
Not mobile app, but login to this: https://q.zerodha.com/ and place the request. You can see an option Funds.
I have requested a withdrawal now(17:50 1704-2015), would it be processed by tomorrow 11 AM?
Yes it ideally should, but sometimes NEFT from the bank might take longer especially on saturdays.
I tried to withdraw 25000 but I can’t able to place withdrawal request , it says ” Request Amount cannot be exceeded the clear balance” but in my clear balance is 1,37,530.
Venkat, do send these directly to [email protected] with your client id.
I Aam new to zerodha.started trading last week . last week my first online payin to my equity account took 2 hours…Today at 7:30 pm i transferred cash to my commodity account but till now(11:30) pm not recieved any balance in my commodity account. eventualy missed a trading oppurtunity today. Moreover it is contrary to the claim on fund transfer page of zerodha.com that online payin is instant. mailed to [email protected] also. pls tell me is there any reason or there is always a minimum delay for payin. my client id RR3905.
Ranjay, it should be instant unless something went wrong while u were transferring (if your internet dropped in between or similar). Will get someone to check this out.
I have an account with zerodha and demat at IL&FS. I transfer funds from my registered ICICI bank. My doubt is I have traded and sold the shares now will I receive fund to my ICICI bank directly or the funds shall come to backoffice and held until I withdraw from it.
It will come to your trading account, you can either use it for fresh trades or withdraw it using backoffice.
hii ,when i am trying to login to Backoffice with my client id which i use it for trading . it is always saying invalid clientid/password.
can u help me out….
You would have received a separate password for Q, the trading password won’t work. https://q.zerodha.com/, you can use the forgot password option.
My brother send me a neft on saturday at 8:40 PM (IST) When it will come at my account.
I have recently opened an account with Zerodha, and I applied for an equity fund withdrawal yesterday before 7:30pm, however, right now its 12:26AM in the midnight and when I log into q.zerodha.com backoffice, its showing my account to be NIL(the withdrawal request seem to have processed), but the money haven’t reached my bank account yet. And there is neither any status for “successful withdrawal request processing” nor any NEFT/RTGS details uploaded from zerodha’s side.
Would you please explain what’s really going on ?
Deb, send these directly to [email protected]. Yesterday was expiry of global indices https://zerodha.com/marketintel/Bulletin/ and hence the trade process etc would have been delayed. Your withdrawal would have been processed late night yesterday, and it will get processed only Sat early morning NEFT/RTGS batch by the banks.
I had placed request to withdraw funds on Saturday and when I checked it today on Monday I could not see any status update in Q and the fund was still available, so I had to place a transfer request again today around 8:30PM. Would like to know why the fund transfer was not Authorized. This is the first time I am trying to transfer the funds and hope I have done it the right way.
Srinivas, fund withdrawals are not processed on Saturday/Sundays. All of them processed same time on Monday night.
Why can I just withdraw a fraction (~0.6%) of account balance?
My “Account Balance” & “Withdrawal Balance” has so much difference, why?
Account balance includes sum of funds which aren’t clear yet. Eg: If you sell shares worth 1 lac on Monday, your account balance would be 1lac but withdrawal balance 0 cos settlement of shares happens on T+2. 1 lac gets realized from Exchange on T+2 day.
This is my new Account with Zerodha. Please let me know if any eligibility exist for funds withdrawal. I just created ticket with support.
Note: PI Systems shows the cash balance.
You can withdraw as much money as you want, no restrictions.
Dear Nitin, while I am very happy with the services provided by Zerodha, one are wherein Zerodha still needs to improve is funds withdrawal.
Yes Pranay, working on this.
If i make a profit of Rs 10000 from my account balance 20000 will it be possible for me to requst for a pay out of 25000 on the same day?
No mujibur, all profits get credited by the exchange on T+1. You will be able to withdraw only Rs 20000 on same day.
Whatever options given above those are not applies for new Zerodha trading mobile app. Can you pls suggest how to do withdraw in new Zerodha app.
Go to q.zerodha.com, click on funds, and then mention the amount to withdraw.
Sir, I made my first withdrawal request on Friday 13th Nov. at 5PM in the evening, but till now I have neither received the funds nor they are available in my zerodha account. Is there any delay? How long I have to wait to get the funds?
The payout seems to have gotten rejected. We’ve reprocessed the payout. You should receive it tomorrow.
Kudos to you and team Zerodha for all your hard work and making our trading life easier each coming day with your continuous support and innovations.
My request is to do something with your fund payout system so that we can transfer money from our trading account to linked bank account instantly by using IMPS service. Please have an option of IMPS payout when we submit payout request using backoffice, so that we can get money in urgent situations. I know that there are charges associated for using IMPS transfer/instant payout (as per bank rules) but it’s ok for you to charge the same who want to transfer the funds immediately. Please do it ASAP. Thanks.
Yes Arya, on our list of things to do.
Today is my first day in zerodha. Sir my fund is hold in intraday. How can i realease my fund. Actually sir i bought a 8 share from coalindia bt my selling process is not complete.
Hey.. Nitin.. I read so much about zerodha on google that how you build zerodha .. Really inspiring story..
I open equity and commodity account with zerodha 2 weeks ago.. I really enjoying trading with you.. Services are good..my trading account is open in just 2 days.. But if you provide some more services mention below than awesome..
2. Provide IMPS service for fund withdrawl.. Charge amount for that. No problem.. But it will definately help someone who is in emergency..
Like me.. I am a student..i use 90% of my savings in my trading account.. So if any emegency arise i have to wait for 1-2 days..
3. I start 60 days challenge in my equity and commodity account.. If i want to withdraw money than i have to wait 60 days or i can withdraw money between challenge..
4. Can you also tell me how to learn technical analysis. Any good website or any institute in Delhi or near about it..
Thanks.. And again i say really inspiring story..for a small age trader like me..
2. On our list to do.
3. You can withdraw money it won’t affect your profitability.
I would like to emphasize on point (2). Waiting 1-2 days for emergency funds is way too much time.
If not IMPS, at least there should be a batch job that runs hourly during bank day time and processes NEFT transactions within few hours.
I placed in a withdrawal request on Friday March 30th at about 4 pm.
Till yesterday evening, the backoffice website showed this as ‘Pending Request’. However, till now (Tuesday April 3rd) I have not received the amount. Today when I went to the backoffice website, I do not even see the ‘Pending Request’ and no withdrawal has even happened. Hence I have placed the withdrawal request once more today – and opened a ticket to check what happened and why the delay. I needed this amount by yesterday (Monday) and now I am hoping I will at least get it by Wednesday noon.
Hmmm… Yes, this is indeed on our mind as well. We’re trying to figure out a way where we can calculate your available free balance for withdrawal and process batch withdrawals.
The passwords to login to Q is different from what you use for your trading platform. On https://q.zerodha.com/ click on Forgot Password to generate a fresh set of passwords.
kindly provide transfer fund facility between accounts like Zerodha equity account and Zerodha commodity trading account. it would be very helpful to save the time and money.
Both FMC & SEBI do not allow the broker to do internal transfers from Equity segment to Commodities or vice versa even if the trading account is of the same client. If your broker is allowing you to do it, I’d advise to stay away. Recently a broker was fined by SEBI to the tune of 30 lakhs for doing this.
Dear Nitin , kindly provide the details about 60 days challenge and also provide the rules .
Thanks for the prompt response. So you are also saying the same thing but 234.01 is given after 3pm on T+2 day which I thought would happen in the morning itself. I raised query early morning on T+2 day, but credit of fund happens only afternoon on T+2 day seems to be the main point. Otherwise both our calculations were matching. Any ways I did not track it yesterday after 3 pm, whether funds(234) were freed or not. Today I will do it and raise ticket if I need further clarifications on withdrawal process. Thanks for prompt response. Looks like I was exactly half a day too early for the query. Today I will raise ticket(if needed) only after 4pm.
Have raised Ticket #417017 for cash withdrawal. I have been trying to place withdrawal request from 6:45pm onwards today(3 Feb 2015) but everytime funds page in backoffice shows as blank or 500 internal error. So I raised a ticket to treat it as actual withdrawal request. Yesterday also I faced same problem while placing withdrawal request. I don’t know if it is deliberate ploy from Zerodha to discourage clients from placing withdrawals on weekdays or market down days. Please note on time fund transfer/withdrawal are very important to boost the confidence of investors with Zerodha. This is very annoying problem which repeats exactly when time approaching for placing withdrawal. This is second day Iam facing same problem for continuous 30 to 45 mins. What is this service ?
Some issues with our server, we are looking at having this fixed asap. Do call up 080-40402020 to place any withdrawal request.
Warning this could be long.
Fri withdrawals were 100% successful, no need to make phone calls etc, everything worked online.
entries being passed between 5pm and 7pm for trades done on a day, could also hamper page load of ledger and funds page of back office during these times(5to7pm). So if you can announce like all ledger entries for trades done on a day, will be passed before 7 pm, hence clients can freely place withdrawals without any failure after 7 pm, would be very helpful for us. I also have a query here – if I place withdrawal request at 5 pm for Rs 15000(funds screen allowed this amount to be placed) and new ledger entries for trades done on that day are passed at 6:30pm, and now withdrawal amount is reduced to 14500/-, what will happen to the request already placed by me at 5pm(and not corrected before 7:30pm) when it is processed at 7:30pm?
I have 506.7 rs. Free cash on my account. But in back office shows zero value. How can I withdraw my amount?
Can you send an email to [email protected] for this.
In my account there is balance of Rs 15,440. Still it is showing no funds the withdraw under request withdrawal option. Kindly clarify this issue. Can it be because I have placed trades during the day time and the brokerage fees and other charges is yet to be deducted or any other reason.
All settlements in India if trading F&O happens on T+1 and equity on T+2. So even though the money is available, it may not be clear balance to withdraw. You will have to wait till the settlement happens from the exchange.
My backoffice shows that my account balance is rs.1882 but withdrawal balance shows only rs.447.what is the difference between account balance and withdrawal balance.How would i withdraw rs.1882 from my account??
If you have sold stocks exchanges settle on T+2 day. So it will appear on withdrawal balance on the T+2 day from when you sold. Similarly it is T+1 in case of F&O.
I am new to trading.
I did something wrong and messed up in a situation.
Currently my equity balance is 2425.46(same for equity cash balance) as seen in https://q.zerodha.com/dashboard/.
Holdings value : 2,273.15 .
How can I move out from these holdings back to cash balance ?
After 3rd step again it is seen in holdings. How do I completely move from holdings.
Please bear with my questions.
When the market opens on Tuesday, just exit from holdings using the CNC option.
Iam unable to withdraw (payout) from the back office tool.
It shows withdrawal balance as 38434. I try to withdraw 12000.
On monday when i tried, it states that your withdrawal is successful.
Usually the withdrawal is processed by 9PM and i get a message stating that it is processed and by the next day i get the money in the morning.
Of late this back office tool has gone bonkers with lots of errors.
This is frustrating. Please look into this. Please can you make sure if i can get the money by tomorrow noon.This is urgent and frustrating as technical errors ruins our plan.
What’s the difference between the account balance and withdrawal balance? The difference between the two figures in my account is just shy of a hundred rupees.
Account balance is the funds that’s available in your account and withdrawal is what you can actually withdraw. If you sell shares worth Rs.1,00,000 on T day, your account balance would show 1,00,00 but your withdrawal balance would show 0, since shares sold on T day are settled on T+2 day.
I can’t withdraw last 1020 rs form equity acc.
I am intraday trader and no holdings and never took any share delivery.
acc balance is 1020 and withdrawal balance is 0. and it is showing the same status from yesterday.
Best if you send all account specific queries to [email protected].
Yesterday(31 Mar 2016) I made withdrawal of Rs5603/-. I received sms at 10:11pm and 10:43pm yesterday that my withdrawal is processed. Today(1 Apr 2016 1:13 pm), the amount is not yet credited to my HDFC SB a/c. Iam worried what has happened to the money because it is debited from the ledger yesterday itself So it is not available either in Zerodha a/c or in my Bank a/c ? Today I wanted to place buy order, but don’t have sufficient balance, because the cash is stuck up with Zerodha ?
I think this is the year end issue with the banks. And since today is a bank holiday, I am guessing you will get this only by tomorrow.
on my dashboard, it shows Rs. 4907.75 as commodity cash balance, but when i try to withdraw it (from backoffice) it doesn’t show any balance in commodity account.
i tried doing this at 12.50 am (00:50), is the issue because of time or is there any other issue, kindly solve at the earliest.
The funds are updated to Q after trading hours. You should be able to place a withdrawal now.
When I open the back office the top 3 cms height is covered with a blue strip. I am not able to see the first two tools namely home and funds. why ? i tried both in internet explorer and google chrome.I am not able to withdraw the amount.
Are you doing this on a mobile phone or through a desktop? Would appreciate if you could attach a screenshot after removing all account sensitive information, would help in resolving your concern.
Shares sold on T day are settled on T+2 and cash can be withdrawn on T+2 only. In your case, you’ve sold shares on 13th, settlement is on 18th (Thu,Fri,Sat & Sunday being holidays). You’ll be able to withdraw the money only on 18th noon.
my withdrawal balance is showing more than my free cash value its approx 5 times more and around -17000 and my free cash is around only 2000 rs and most important part is I haven’t withdrawal any money since i joined you this is my first time to withdraw money but i can’t due to this problem please help me to understand how come am dealing in negative values without withdrawing any cash.
You’ve sold some shares on 13th April, the settlement of which will happen on Monday. You’ll be able to withdraw these funds on Monday noon.
Currently my account balance is 8000 and withdraw balance is 146.
i want to withdraw 8000 ,how and when it will come to withdraw balance?
You have to login to q.zerodha.com and request for a fund withdrawal.
Can I transfer money(pay in) in my trading account through another saving account which is not linked with the trading account?
If yes then what’s the procedure?
Yes you can, but you will have to send us a proof of your secondary bank account for this. You can courier it to our Bangalore address with a request to add a secondary bank account.
I sold some of my holdings, when can I withdraw the amount?
ON T+2 day, after 2 working days.
My trading acc no DM3185. I want to transfer some funds from trading acc to bank acc. I tried to transfer through q.zerodha.com. But fund & home tabs are not being displayed and these two tabs are hidden below blue colour. request you to resolve the issue.
Having this fixed, can you until then use this link: https://q.zerodha.com/funds/display/. You can also zoom out the screen, u will be able to see this.
I usually trade in equity on Intraday and BTST basis daily. So daily I do intraday and evening I buy the shares for nextday. I want to withdraw some profits periodically. But everyday the withdrawal balance showing is negative. Do I need to stop trading for 2 days to withdraw money every time?
If you buy as BTST and sell the next day, the settlement cycle in India is T+2, so yeah you have to wait for 2 days before you can withdraw these funds. All intraday profits made can be withdrawn next day.
Amit, best to send account specific queries to [email protected]. The only way I guess this could have happened if the balance in your account was not clear balance.
Is it possible to transfer money from other bank accounts to zerod instead of only from primary bank accounts. If so how ?
Yes you can transfer from other bank accounts, but you will have to first get it linked to us. Send us a cancelled cheque of the bank you want to map.
If I have Rs 50000 as my portfolio holding then How much margin can I get for Intraday equity trading?
Pls answer the below questions.
1) Is it possible to pay in/pay out in Zerodha mobile app, if yes how to do it.
I’m unable to see the option.
2) Zerodha q offers only payout, how to pay in..?
Why not both options are provided in Q.
3) I called support, they asked me to download the latest mobile app..
App is not available in Play store..
& also App is not downloading in your website (error is displayed).
1. Click on the menu option, you have a link to funds. Once u r in funds there is an add funds button.
In the fund withdrawal screen, the account balance shows as 4017 but withdrawal balance shows 3123. Why is this difference?
The Rs 700 could be shares you have sold (settlement in India is T+2 for this, so if you sell shares today, you get money from the exchange only day after) or profit you have made from F&O or intraday trading(settlement happens next day or T+1).
I have placed a withdrawal yesterday, amount has been deducted from my Zerodha account. Not yet debited to my ICICI account.
Yeola, banks are closed today (2nd and 4th saturday of the month). This credit will happen only monday.
All withdrawals are processed in the morning for commodity, so you should get by evening.
If you’ve transferred funds today, it’ll get updated on Q by EOD. However it’ll be updated on the trading terminal right away.
Check this: https://kite.trade/docs/kite/#funds, you can use the payment gateway.
Firstly, congratulations on the great work done and the work in progress. Have switched to you guys a couple of weeks backs and I am quite happy so far.
Secondly, coming to my query, I see that there is almost a 1% difference between my account balance and withdrawal balance as visible in Q under the funds tab. I have no open positions right now. Why is this so ? I think I read that it takes Rs 9 to transfer from HDFC account to my trading account. Why is there this additional difference ?
Abhiroop, if you have sold shares or any profits from intraday trades, they get settled by exchange on T+2 and T+1 days respectively. That is when this difference can show up.
Vikram, withdrawals are only to the primary account.
Hey, the fund tab shows a different amount in account balance and withdrawal balance, Why so?
Settlement of equity sales happen on T+2 days, and F&O on T+1. So if there is any unrealized credit from this, you cannot withdraw until settled by the exchange.
What is “Being Payment Gateway Charges Debited” in ledger and how its calculate?
Rs 9 + service tax is charged by our payment gateway provider everytime you use it to transfer money to the trading account. Nothing to withdraw.
Sir I have trading account with religare securities and 300 shares of Infosys. How can I Transfer all my shares to Zerodha Account?
Religare would have given you a delivery instruction booklet while opening the account. In that mention your Zerodha demat account details, and submit it to them asking to transfer.
i m not able to cancle withdraw request.what to do?
My zerodha account was activated on 19th July. I had transfered just 5k initially. After trading for couple of days the account balance is now increased. But in withdrawal menu I am not able to see any withdrawable balance. Not even initial 5k which I transffered!
m unable to put a withdrawal request as it is showing NA since couple of weeks now pls help me out.
I’m also facing the same problem. Not sure what to do.
Pintu, you can use NEFT/RTGS/IMPS to transfer funds to your trading account, you can withdraw using Q yes.
Pradatta, you can place withdrawal request, the funds we are having some issues. You can login to Kite or pi, check your balance and place a withdrawal request on Q until we fix in the next few days.
Ok thank you for fast reply and information have a nice day.
Is fund transfer from Union Bank of India or PNB to Zerodha possible using instant payment gateway?
No, but you can just use IMPS from your online bank for this.
If you have sold stocks, exchanges settle it in 2 days. So until then you can’t withdraw, you can use it for trading only.
q backoffice is not opening..
Account balance includes unrealized sales from stock selling and any profits yet to be credited.
My equity account balance is 2626. but its showing withdrawal balance as 301. I trade only in options.
Friday square off does make any difference as such? Kindly assist.
I am guessing that you have sold an option, the money realized form selling an option can be withdrawn only after T+1 day.
Jahir, today is the 4th friday and banks are closed. Hence the credit will happen only on monday morning. We mention about this on the fund withdrawal page.
I can see that the margin available in my account is 8221 margin used -4675. But whenever I am trying to withdraw fund it is showing that insufficient fund , What can I do ?
Puja, I am guessing you must have sold some stocks yesterday or booked profits/exited from F&O trades. In such case funds are settled by exchange only on T+2 or T+1 days respectively. You can withdraw only after that.
I am guessing you must have sold some stocks yesterday or booked profits/exited from F&O trades. In such case funds are settled by exchange only on T+2 or T+1 days respectively. You can withdraw only after that.
hello sir, am Ravi how we place a target order in coverorder. is it possible in coverorder or not?
Target not possible. You have to exit the cover order.
I have something to know that when I with row total money then my trading account balance goes -8… Rupees . Now today I left rs 4.81 after trading then I see again account value goes -8.67 or something. Why?
I see two options in zerodha for managing excess funds. 1 – over quarter its not used, it will be back to bank account. 2 – it gets parked in overnight debt fund.
may i know advantage of parking it in debt fund? will I earn any interest on this?
It’ll be parked in the debt fund overnight for 1 day and you’ll get such interest for 1 day.
How to change the bank Account ?
Send us a copy of your other bank cheque or original bank statement with a covering letter asking to add this account.
sir… i placed withdrawal request yesterday ( Friday at 6 pm ) in equity .
i got the message from zerodha that your withdrawal request has been processed at 8 pm same day.
but i don’t receive cash in my account ill now.
today is week off Saturday.
Banks are closed on second saturday, hence you wouldn’t have received. We make a note of this on the funds page on Q.
With reference to RBI circular- https://www.rbi.org.in/scripts/FAQView.aspx?Id=60, where transaction charges are applicable to remitter for NEFT/RTGs how Zerodha waive off charges on withdrawals?
We give enough business to HDFC, hence they waive off the charges on this.
We’ll explore that option. Payouts are processed from our end the day it’s placed, provided it’s placed before the cut-off time.
You can check your ledger in Q.
i have recently opened opened trading account with Zerodha, MY HDFC account is linked with Zerodha. i am using Kite app and transferring amount through funds option. I want to know is there any way i can save on transaction charges for money transfer from my bank to Zerodha account.
However note that credit isn’t instant.
I am regular commodity trader of Zerodha, Yesturday i have called up to your customer care, but they can’t give proper answer/solution to my queries.
When i have to go to your Kite Dashboard at there it is buy window on Zinc Script, there is different option which is MKT/LMT/SL/SL-M.
My question is When I Want to purchase the Zinc for Rs. 100/- X 10 Qty (MIS) with the Stop loss of 90/- then which option i have to choose. Whether i have to choose the SL & fill Rs. 100/- value in Price Column & Stop loss to be filled of Rs. 90/- in Trigger price column in same window.
If it is like that means it will work like when the market price of Zinc will come to 100/- system will automatically buy the desired mention quantity & after buying the commodity at 100/- if the market price is goes down to 90/- it will automatically sold that quantity to reduce further loss on commodity.
If there is nothing like that, kindly guide me with some example, because i have gone though your support centre FAQ section, but it’s not that much clear about the kite software handing.
Hope you will clear my doubts about SL kite handing.
I suggest you go through the SL blog here: http://zerodha.com/z-connect/tradezerodha/zerodha-trader-software-version/stop-loss-orders-limit-market which explains how to place Stop loss orders in detail.
2. Upon execution of the first buy order, place a SL order where the order type = SL-M, and the trigger price will be 90. The moment the stock hits 90, your sell order will get executed at market price. Please don’t place SL-M orders for illiquid contracts.
Is it possible to withdraw complete amount from Commodity account.
You’ll have to place the request from Q.
If we put withdrawal on Friday and Monday is a holiday….when would the withdrawal processed?
never believe any business man.
I transferred funds to trading from SB account. among 3 razorpay methods via netbanking method it was not paid. through card method it was paid. again in equity funds transferred amount only is showing only in margin balance. remaining balances are zero. I cannot withdraw money. it is showing equity account value zero. insufficient equity balance. If we transfer huge funds to trading account what will be our position. transfer to trading account is easy, withdrawing is very difficult not like they say. they will put it in margin..etc features. I lost trust in Zerodha.
Hey Siva, I think you are confused, can you send an email to [email protected] with your client ID. Someone will call you back and help you out. Razorpay gateway is for paying account opening fees, to transfer to your trading account you need to use https://kite.trade//docs/kite/#funds.
I say transfer on razorpay means Ac opening fee. it was done only by ATM card method.
after transfer of funds to equity from SB account it appeared only on available margin, remaining balances zero. now even available margin is zero. yesterday I received message showing funds are available for trading from tomorrow but all balances zero now. you should first say about the distribution of transferred funds in margins, available balance to withdraw etc. all is hidden and you put it in various headings like available margin, equity cash etc as u like.
Hmm.. still not able to figure what you are asking for. I am getting one of our team members to call you back.
OK thanks sir. problem solved.
now balances are showing correctly. total account value is not zero now.
what is difference b/w account balance and withdraw balance ? I have account balance of 12000 but only 2400 it is showing as withdraw balance ?
When stocks are sold, the credit of funds happen on T+2 days. Until then it will show as account balance, since these funds can be used to trade more and can’t be withdrawn.
I did not daily login in smallcase and i saw there is rebalance update. if you start sending msg alert for rebalance update it will help us to take action on time and it can cause loss if delay in action.
Stocks get settled on T+2.
I have some amount in “Available Balance”. When it will be converted to “Withdrawal Balance” so that I can withdraw it?
If this is from selling stocks, it will take 2 working days. All settlement on Indian exchanges take 2 days.
When you sell a stock or make profits intraday, it gets settled by exchange on T+2 day and T+1 day respectively. Until then, you can’t withdraw this money (it is not clear balance), but you can use this to buy more.
I have one more query, my traded value for 02-12-2016 was ₹235030 but I received message from NSE saying that my total traded value is ₹470060 (which is double of actual). Later I received mail from NSE and Zerodha confirming that my total traded value was ₹235030 only. Should I need to worry about this. Is there any technical glitch at Zerodha or NSE?
I think there was some issue with NSE end yesterday, many clients got double the traded value in the SMS.
My wife and myself have separate trading account with zerodha. Can we transfer some funds or shares from one account to other? We can avoid many unnecessary back and forth transactions.
Funds can’t be transferred. Stocks, yes, but you have to use delivery instruction booklet for this.
Do you have some debt fund where we can park some amount till we need them for right trading opportunity? How to access details of it.
Thanks for the information. What is procedure to order liquid bees? Is it like any other order? Do we get interest or trading has risk. We do not wish to take risk in such trade.
Check this to learn more on liquid bees.
Nikhil sir I want to know that suppose I will apply for my payout at second Friday of month before 7:30 PM . Then when will be amount transfer to my bank account. Will i get in Saturday?
Rahul, if you have HDFC bank, you will get saturday, but for other banks only on monday as banks are closed.
Is this any way to see withdrawal history?
Yes, go to ledger on q.zerodha.com, you can see the entire history.
I transferred funds from my ICICI account to my ZERODHA account at around 9 pm today (9 Dec). The same is yet to show in my commodity section of Margin availability. Whom should I contact ?
My account balance is not replicating on withdrawal balance. How many days will it take to replicate??. I buyed some share & selled it. The balance got replicated on account balance but it’s not replicating on withdrawal balance.
All settlement in India happens on T+2 days, so 2 working days after selling.
1.Sir, is it possible to transfer funds to my linked bank account through kite mobile app..if so how?
1. From the menu, you can access the “Funds” link and click on “Add” to transfer funds.
my account balance and withdraw balance are showing different amounts. Why is it so??
Account balance includes such sums of money that aren’t cleared yet. Eg: Proceed from sale of equity shares gets reflected in account balance on T day but shows up under withdrawal balance only on t+2 since equities are settled on t+2.
If I will put request to transfer fund from demat to sb account on 1st or 3rd Saturday working days. Is it possible to transfer fund on same day from equity.
Amit, our funds team doesn’t work on Saturdays. So it will happen only on monday. If you intend to withdraw on saturday, best to put the request on friday.
If you sell shares, the money gets credited after 2 days from exchange. You can withdraw after that. If money is lying idle, you can withdraw it anytime.
Hi Can you plz tell me if i can open a demat account offline at any of your branches in delhi.
hi, my userid DR2118, just want to know why every time my balance is shown less then actual and every time i have to call and get it corrected and the answer i get that the balance figure was not updated….! whats it means ? every time i have to keep track record of my balance ? and call to correct the same ?
Hmm.. all processes are automated and you don’t have to call us for anything. I am guessing you must be checking your balance when our trade process for day is running. I will get someone to check this.
I got a message from post that my application for account opening received by you today.
1. when can I expect my account to be activated?
2. How much further time it takes to open demat account?
3. Can I trade in equity intraday without demat account?
my account balance shows 10325.56 and withdrawal balance shows 9713.45..????
whats the difference and which amount can i transfer ????
Withdrawal balance is what you can take out. The remaining would be most likely either todays profit (settlement from exchange happens on T+1) or proceeds from stocks that you have sold (T+2). So if you have sold stocks, you can withdraw this money after 2 days.
I have two bank accounts registered with my trading account. During withdrawal of fund is there any way i can select which bank account i would prefer the funds to be transfered into.
Withdrawal is always to the primary account.
Is there anyway I can change my secondary account to primary account.
Primary account is the account to which we process all payouts. It’s for this reason that we always insist on collecting an original proof of the account (check copy) to map it as a primary account. Secondary account can be mapped by providing a scanned copy of the bank proof. We’ll need an original cancelled check leaf to map an account as primary, unless that has been provided, secondary can’t be changed to primary.
I am a new zerodha user, I tried logging in to q.zerodha.com, most of the time since yesterday it showed ‘502 Bad Gateway’, and sometimes when it did open my password is always showing incorrect, but I am using the same password to login kite.
Login to Kite and Q requires separate passwords. Can you go to Q from within Kite and see if it lets you login.
why is it showing bad gateway 502 error!
why the withdrawal balance is 3.53 inr.
i want to withdraw my account balance to my bank account but withdrawal balance not display properly???
If you have sold stocks, it takes two days before you can withdraw. Settlement cycle in India is T+2 days. Until then it won’t show on withdrawal balance.
My equity and commodity account balance shows N/A because i am new user and havn’t traded yet but transferred money from my citi bank to zerodha, if i want to withdraw that fund what is the procedure?
Login to Q.zerodha.com click on funds and hit withdrawal.
Hiren, withdrawal is blocked while the trade process is running (between 6:30 and 8). Check back after a while. Should work fine. This is only for a few days.
Sir facing lot of problems with back office,not updating funds,not able to place withdrawals,open positions not showing.Nobody to rectify,have called customer care so many times and complained but of no use.
This issues should get fixed by end of this month.
Cancelled cheque for my registered bank account?
Yes you need to courier all of that.
I placed a withdrawal request.
Primary account is the account to which we process all payouts. It’s for this reason that we always insist on collecting an original proof of the account (check copy) to map it as a primary account. Secondary account can be mapped by providing a scanned copy of the bank proof. Since there are additional measures to verify the primary account, as a policy we process it only to primary account.
How much is the withdrawal charges, if any? per withdrawal or per 1000?
Hey, Rakesh. There are no withdrawal charges.
Hi, I added some funds to my zerodha account via Kite transfer. I got the amount and could see it in Margin Available. But the amount has reduced now. I wanted to know why the amount has been deducted from my account. Also, the withdraw link is broken, I always get a message 502 payment getaway error.
Sushil, can you email [email protected] with your client ID. Someone will check and get back to you tomorrow.
Is it true that if my trading a/c balance is less than 10k then I can’t transfer that money to my bank a/c?
Not true. Even if have Rs 1 as balance, you can withdraw it.
Hi, I am overall happy with zerodha, I just want to know do we have any option to check my day to day to profits and loss history. I tried checkeing but it is not showing day wise.
You can go to Q.zerodha.com, check these posts.
What if I want to invest for longer term and stay invested for 25 or 30 years when I will sell all my shares. What if Zerodha closes its firm before that duration supposedly any worst case? Hope my spendings will remain intact and in safe hands. Please reply I am new to trading.
Amit, all these shares sit in your demat account with CDSL (depository). So even if we were to close, your shares will be sitting in your demat with CDSL.
I have sufficient cash and request withdrawal around 11am on Thursday(30-03-17) and received SMS at 1:58am(31-03-17) that your withdrawal request for Rs.50000.000 has been processed but till 8:06 pm has not received.
1.Have discussed with Customer care at 9:40 AM (31-03-17) and get update it will be credited to bank account before afternoon.
Just ask one query if will do intraday and apply withdrawal before 7:30pm is it possible withdrawal can proceed. But received replay “No” .So then have to understand not do trade when withdrawal money.Have some confuse and waiting for replay.
The payouts have been processed from our end. The delay could be because of the increased transactions on 31st March, people trying to pay taxes, companies processing salaries etc. You can withdraw funds from your trading account as long as they are free funds.
I am very much pleased by the service which is provided by you all inspite of such a low brokerage.
But if possible Please include a Mandate option in which funds could be transfered into zerodha account much easier and with no transaction failure.
I have invested in some share and took the profit out of it ( Sold shares ). Now I still didn’t withdraw profit/money from zerodha to my back account.
How can I calculate TAX on this ( 15 % for short term) as amount is not yet transferred in my bank account?
Also I am facing lots of problem in backoffice while exporting transactions/ profit/holding reports. Its so slow.
Chetan, we have just replaced a big piece of code on backoffice. It should start working correctly. Can you check out the tax P&L on Q. Tax has to be paid only end of the year while filing your income tax returns, not on every trade.
Hi I am using my client ID and trading password to login to Zerodha q, but it is showing wrong ID/password. However I am using the same to login and trade at Zerodha kite. I don’t understand why isn’t it working at Zerodha q. Please help.
When you login to Kite, you’ll find your client Id on the top hand right corner. When you click there, you’ll find an option called Q -Backoffice. Click that to login to Q without being asked for any user name or password.
Dear zerodha, I was put withdrawal request of ₹20000 before 7:30 pm tomorrow 13-04-2017, balance was deducted from my zerodha account but balance is not receive in my bank account yet.
Kindly highlight and solve my issue plz.
There is no issue; your payout has been processed from our end. You should receive the funds tomorrow since today is a NEFT holiday on account of Ambedkar Jayanti/Good Friday.
Hi. i have opened Zerodha account in January 2017 and i was happy with the service and brokerage plans provided by it but i have noticed one grave error on your side that i had around 30 k in my account in fund value section after market hours on 12 April 2017 but it was showing as Rs 700 since yesterday without any trade.How can it be possible? Where my 30 k has gone? When i checked Ledger statement it is also not showing 30k transferred from my HDFC bank account to Zerodha on 1st April 2017.Bizarre.I have never faced this type of issue till now.It is quite a serious issue and i really lost my faith in Zerodha . i hope that this issue would be solved ASAP with a valid explanation.I already sent a mail regarding this but i dint get any reply till now.
2525 & 900 have been credited to your account, please check your ledger on Q.
yesterday around 3pm i transfered 5000 but today my balance in trading account is zero why????
Please email [email protected] with details of how you initiated the transfer.
I love Zerodha and I am new customer – but I think Zerodha is misleading the customer base somewhat with the information.
I just started using coin and invested more than 25,000 and I see 57.60 already debited. But your Coin Website is giving mislead information that 50 Flat fee per month. Can you clarify and update your Coin website footer and the charges page (https://zerodha.com/charges) to reflect the true cost (including service charges)?
It looks like your tacking a 15% service for the Coin Subscription – Is this true?
If demat also adds a service charge – Total cost will be 1035 per year just for Zerodha Platform. That looks a little steep, but I understand your a for profit business and I am ok.
But please update your website and footers and at least put a * saying 50/month + service charges.
No intention to mislead Jay. I’ll give your feedback to the team.
I have not got funds credited to my bank account today. As my withdrawal request was processed yesterday itself please check.
Dear AKSHAY VENUNATH KULTHE Your withdrawal request for Rs. 50000.000 has been processed.
Akshay, the banks are closed today due to 4th Saturday and hence might be the delay.
i put fund in my zerodha dement account and i not trade still now , now i wnat to withdraw fund from zerodha dement ac to my bank account. what procedure / explain sequence of steps.
Go to q.zerodha.com > funds> withdrawal request.
how to link multiple bank account for fund transfer?
I have 51k in my margin but my withdrawal of funds shows only Rs.500, why is it ?
If you have booked profits or sold your stocks, it can be withdrawn after 1 day or 2 days respectively. Settlement cycle on exchanges is that.
If you have profits from yesterday, or if you have sold scrips/F&O positions they get settled only in 2 days and 1 day respectively by the exchange. You can trade more with it, but you can withdraw only after this time.
How much time does it take for the funds to update on q, so that I can withdraw?
There seems to be a disconnect. My app shows more free cash.
For ex: my kite app shows free cash and total value as x.
But when I try to withdraw it’s showing ( x-last days profit ).
Ok, I found the answer in the same thread. Thanks!
Can I use union bank account for transfer money to my zerodha account.
Pls feed back me through mail.
How can i find the historical funds addition and withdraws in Kite or Q-Back office.
Please tell me the way to find this.
Go to Q, click on ledger, enter your dates to see this.
I deposited funds from my other bank account via IMPS not knowing that such a transaction is not valid. By when will my money be refunded?
You can send your other bank account proof and have that mapped to your trading account as well. Otherwise, send an email to [email protected] asking for refund, should happen within 2 days.
Your support team helped me map the bank account to my trading account.
When my “Margin Available” will be available for Withdrawal?.
If you have sold stocks, after 2 days. If you have booked profits from F&O trades or intraday equity, after 1 day.
can I withdraw money through imps .? if yes then how much time it take .?
Withdrawals are done using NEFT. So time taken as explained in the post above.
Is there any charges application for Fund Withdrawal ? If yes, how much ?
*Is there any charges applicable for Fund Withdrawal ? If yes, how much ?
Am interested in opening an account with your organisation , is there any branch / office in Kolkata.
I put order for redemption for Debt fund on monday, It was showing T+1 as settlement and showing in my account on tuesday. However when I was using withdraw option the fund was not available for withdrawal. I talked to client support and they told me it will happen by 6:30 and then you can initiate the withdrawal which will be credited to your account by wednesday as I am holding an HDFC A/c . However fund was not settled till 9 Pm and was only reflected in today morning, Now when I put a request for withdrawal , It was told to me by support that it will happen by tomorrow. The interesting part is client support, I was trying to connect from 10 AM however no one was picking it after ringing for 5 minute one lady picked up the phone , When I explained the issue she told me that she will transfer the call to Funds department instead she disconnected the phone. Again after ringing the call and listening to noisy music for 5 minutes, One gentle men picked up and told be It won’t be possible to add funds till evening.
I am CA and owner of a start up hence, It is really a feed back to improve upon these else these fake gimmick will not work in long term.
sir friday ko withdrawal requst dali to starday ko account amt aa jayegi?
Yes, but if 2nd or 4th saturday when bank is closed, then only monday.
I placed request today afternoon but my request rejected due to insufficient balance. Why this happed???
If you have sold shares or made profits, they can be withdrawn only after 2 or 1 day respectively. Exchange takes time to settle those.
While adding funds bank charges are now applicable, are there charges from bank on withdrawal of funds as well?
No, only if you are adding funds using payment gateway. If you add using NEFT/RTGS/IMPS, it is not.
What is realized profit and margin used showing me negative……profit is not showing in my total value…what is the concept about it ?????
Realized profit gets credited only the next day by exchange, margin used is blocked for the position you have taken. So both can’t be withdrawn.
I requested a withdrawl amount yesterday(14th August) before 7 PM .when can i expect money into my bank account?
Since banks are closed today, guess only tomorrow morning.
Have you accounted for call and trade charges of Rs.47 and payment gateway charges of Rs.10.62? You can check your ledger on Q to verify these entries.
Is it true that we can withdraw only an amount greater than Rs 10,000 in case of equities (Rs. 50,000 in case of commodities) from the trading account? What if I have only Rs 8,000 left and need it all ?
Forgive me if it has already been asked.
No Mihir, no such restrictions. You can withdraw even Rs 1 if it is in your trading account.
There has a restriction! I had tried because my fund balance was only ₹ 18.00 and I want to remove it but while withdrawal requesting it shown me Min withdrawal balance is ₹ 100 or more. That is why my transaction got failed at that time. I was unable to withdraw a single rupee from that ₹18.00.
So sir please don’t say it again.
Hey Harish. Sorry for the confusion. The above answer seems to have been only in context of the example quoted. We do have a restriction on withdrawal of funds wherein only withdrawal requests above Rs. 100 are accepted. Only in cases where the fund withdrawal is unavoidable (at the time of account closure, etc.,) we allow withdrawal of any funds.
Sir i had raised a fund withdraw request yesterday in the afternoon. When will the funds be credited to my bank account ?
You should get the funds in a few hours.
My commodity balance is 4989.38. I tried to withdraw. it says insufficient balance. what to do?
Requested yesterday morning for withdrawl and Got message from your side as “Withdrawl request processed successfully” yesterday night .But still now amount was not in my bank ?
Yes same in my case still not received funds in my bank !
i sold my holdings and can see that they are sold, but still i cannot see the equity value, hence not able to withdraw the funds.
When you sell holdings, you can withdraw it only after 2 days. Exchanges take 2 days to settle.
I have initiated the withdraw of funds in the morning at 7 AM. Still its under processing.
All withdrawal requests are processed only once end of the day.
I purchased one scrip with CNC on 8th September. It went to holding when i see it today,now nothing is happening in that like scrip is increasing but i can see it is still at same position. and even i can not see the withdrawal for that amount. I am new to Zerodha. Please help me and guide and i tried to call your customer care number that was not working i think.
Best to write to [email protected] for this. I am guessing it could be short delivery, in which case it will show next day. Check this. When you bought and the person who sold you defaulted. Exchange settles those shares 1 day late.
I have TOTAL ACCOUNT VALUE as 23,662 rs. I want to withdraw this amount n transfer it to my bank account. I had placed withdrawal request but it gt failed due to insufficient balance but i have balance. Can you guide me to withdraw this amount to my ban account.
You’ll be able to see the values by eod. You can check the ledger to check the balances for now.
Sudarshan, 2nd and 4th saturdays banks are closed. Hence withdrawals take time.
I applied for withdrawal buy i got message “your withdrawn request has been rejected due to insufficient funds “.
what is minimum withdrawn amount ?
You could have requested the payout without accounting for the day’s trade along with the charges. You can check your ledger in Q and place a withdrawal now.
I transferred 23 k today morning.. and tried to withdraw 5k in evening.. but my account is showing only 660₹ which was there earlier… When will the 23 k be credited??
Send such queries directly to [email protected] with your client ID.
Akshay, please write to [email protected].
I don’t know my demat account no. where can i get it. And how much time does it takes to sync q account. Last night I got my client Id and password, I login in it and tried to add some money into it, but i came to know that my a/c no. is not linked with my demat a/c. I don’t know what to do please help me.
Inderjeet, you can find your DP ID under the profile section of Q. You account will be linked but may not be supported for instant fund transfers and hence you won’t able to see it when you try to add funds. You can find a list of banks we support here and if your bank is not part of the list, you will have to add fund through NEFT/RTGS or IMPS. You can find the beneficiary details here.
I need to change by Bank account in my profile but i was not able to change it. can anyone please help me how to change the bank account so that I can withdraw my money.
To change your primary bank you will have to send us a duly signed account modification form which you can download here along with a personalized cancelled cheque/bank statement.
I HAD SOLD IPO SHARES OF GODREJ AGRO @ 615.6 QTY-1740 SHARES TODAY. WHEN CAN I EXPECT THE PAYOUT FROM ZERODHA.. MENTION THE PROBABLE DATE FOR ME TO UNDERSTAND THE PAYOUT DETAIL.
The settlement cycle in India is T+2 days. That meaning you can withdraw your sale proceeds after T+2 days.
Best if you write to [email protected] for account specific queries.
I applied for withdrawal which was available on 19-10-2017 Thursday evening 7 pm, expecting the money in my account the next day, i.e. Friday (banks being working) but not have got it and hence cancelled on Sunday. Any answers?
Vamsee, Friday was a bank holiday. We had put up a bulletin for this.
I was not aware of this, but its OK. Thanks. Note: If we had an email (or SMS) we would have known easily.
Vamsee, all important announcements are put up on bulletin.
I want to change my bank account details.can you please guide how i can do that.
Arihant, You will have to courier us a duly signed account modification form along with the personalized cancelled cheque or bank statement of the account wish to this address. You can get in touch with our support desk for more.
How do I check all the transaction details i.e. complete deposit and withdrawal details so far done from my end??
Shrekanth, You can check your ledger in Q.
I have added funds to my account in morning and it is reflected in Kite also. Now i thought of withdrawing it. So when checked in Q to withdraw the i am seeing the funds which i added. The Balance is nill.
You should be able to place a withdrawal request tomorrow.
I have linked two bank account with zerodha. Now, I want to withdraw some amount. After withdraw in which bank account money will go.
I want to select bank account also.
The funds will be transferred to the bank account linked to your Zerodha account. No, you cannot choose the bank when placing a withdrawal request.
i have deposit 5000/- today morning. in same day I would like to withdrawal the funds for some emergency, unfortunately funds are shows nill in Q. but same amount shows in trading account. how can i get these amount to my bank account. tomorrow will be Saturday. the deposit amount credited in trading account with in 10min but not updated in Q takes lot of time.
hello i am trying to withdraw money from my trading account since a week and i do it on weekday before 7pm , i did it on tuesday at 4 oclock, still i havent got the money in my account, whats the problem?
Best write to [email protected] with such account specific queries.
Can we cancel the withdrawal request after 7.30 pm ?
I’m unable to withdraw my funds even after multiple attempts.
i have deposit 20000/- today morning. in same day I would like to withdrawal the funds for some emergency, unfortunately funds are shows nil in Q. but same amount shows in trading account. how can i get these amount to my bank account. tomorrow will be Saturday. the deposit amount credited in trading account with in 1 minute but not updated in Q takes lot of time.
Mayur, funds aren’t updated in Q in realtime and are updated on an EOD basis. You can place a withdrawal request tomorrow.
If you’ve used these funds for trading on the same day, the settlement is yet to happen. You can withdraw on T+1. Can you check now? You should be able to withdraw.
Can I know the charges Zerodha take by withdrawing our money?
Hey Neeraj, no charges for fund withdrawals.
I have raised withdrawal request after 7:30 pm on Second/ Fourth Thursday for equity. When will my request be processed and NEFT initiated?
I am not able see an option to request a withdrawal on the funds page on Q.
I am seeing “Trade process is underway, please place requests later” message.
What should I do to request a withdrawal?
Hey Vishal, withdrawal requests are blocked when the trade process is happening. Best check after a while. You’ll be able to place a withdrawal request.
Why is it that the trade process has to underway on a Friday , and during the period which blocks the withdrawal period, I still can’t place a withdrawal request today.
Sumit, trade process has to happen every weekday. We’ve extended the withdrawal window to remain open until 8:30 so you can place requests after the trade process.
Date is 27th December 2017, Wednesday. Time is 8:15 P.M. now and it shows that the trade process is underway. Is that an error?
Same issue I Am facing. I sold my shares today. But, I am not able to withdraw money.
Once you sell shares, the proceeds of the sale can only be withdrawn after T+2 Kranthi.
I have raised a withdraw request on Friday at around 2 PM dated 24th November 2017 but still it is showing as pending request. Really pathetic services and not delivered as promised that ”Equity trading account will be credited within 24 hrs”.
24th being the 4th Friday, though the request was processed from our end, it takes time for the credit to hit your bank account. I believe you’ve received your funds by now?
today(30th November 2017) i wanted to withdraw some amount , so i logged in 40min before 7:30 pm ,but box in which amount is entered is NOT available. if there any reason like tomorrow settlement holiday?
I have raised a withdraw request on Saturday dated 2nd December 2017 but still it is showing as pending request. and its been told that ”Equity trading account will be credited within 24 hrs”.
Can you share your client ID in an email to social[at]zerodha.com?
What happens when i requested the withdrawal but money has been used for buying share.
Your withdrawal request would be rejected.
In the kite app my fund is around 12k but when I clicked withdrawal option then in the q.zerodha.com my fund is around 9.5k why it is like that?
If you’ve sold any stock today, you’ll see the funds available for trading on Kite, but in reality, these are settled on T+2 by the exchange and that is when you can withdraw.
Hi, This is Nitin (YH9397) I’ve added 10k on my commodity and 10k in Equity account. but funds are not showing in QZerodha. pls rectify.
Hi.. I have 2 bank accounts updated in Zerodha profile. When I withdraw funds, which bank would be credited?
Hey Mayank, the account linked as the primary account will be credited with all the withdrawals you make.
I am new to trading, there are many things which are confusing.
Just wanna know is there any tutorial/sessions organized to understand the basics of trading.
What are the charges which will be debited when I transfer Rs.1000 from my equity account to bank account?
No charges for withdrawing from your trading account Anirban. As for selling stocks, DP charges of Rs. 13.5 applicable per scrip if you’re selling from your demat holdings. No charges for intraday/F&O trades though.
Just to add this, i am currently out of country. Can i send a request through an email with the required documents in soft copy? Appreciate your quick response.
You’ll have to change the primary account linked to your trading account to change the account where withdrawals are credits. Courier this form along with a personalised cheque or bank statement for the account you want to be the primary bank account linked.
Unfortunately, an email wouldn’t suffice. Here’s why.
Hi Zerodha Team, If I sell a stock on Wednesday can I place witdrawal request on Friday evening before 7:30 ? Will it be processed on Saturday as NEFT works on Saturday?
Yes, you can. Provided it’s not a 2nd or 4th Saturday.
I can see the time limit for withdrawal is 8.30 pm. But when I tried between 8 pm and 8.30 pm, it kept on saying “Trade process is underway, please place requests later” and didn’t allow me even though I was trying before your cut off time. What kind of a logic is that?
Hey Navas, this was a one off where the trade process ran longer than normal. Shouldn’t be the case every day.
1) I have opened the trading account yesterday through online by paying Rs 300 and message received is within 24-48 hours your account will be activated. is it takes working days 24- 48 hours or from day account opened ?.
2) Do I need to courier only the Power of Attorney form after signing ( which has 2 pages ) or do need send the KYC form which i received after e-sign equity (has 16 page). Do i need to pay any additional charges ?
3) After sending the POA how many days will take to activate the DEMAT account ? .
My request for withdraw of money from my trading account is still pending for last three days. Please help.
It wouldn’t have been processed over the long weekend. I hope this was processed since?
I exited a stock but when I go to Funds Withdraw I do not see that my balance has increased, instead Margin available has increased on the Dashboard.
How can i get the money in my bank account by exiting a stock.
You receive cash from stock sales only on T+2 and that’s when you can withdraw it since the actual settlement of delivery sales only happens on T+2.
Is there any charges for transferring amount from trading account to bank account.
I have transferred funds to Zerodha, it is reflecting in payin but, now I am unable to see in the margins and transfer it back to my bank account. How do I transfer my funds back?
Hey Altaf, withdrawal requests placed on the second and 4th Friday hit the bank account only on Monday as the banks are closed on these Saturdays. Since we’ll have processed the payout on Friday evening, the funds won’t show up on your Zerodha account.
i tried to withdraw funds yesterday. the amount was exactly what i had as free cash still i got a message from zerodha stating insufficient fund balance. what is the reason.
Possible that you’d made some trades in the day? The funds available change on Q after the trade process.
Hello sir, I have put fund withdrawal request. I was using ICICI Bank account earlier, that i have closed few months ago and request for change in bank account has been sent along with documents (i.e. cancelled cheque of new bank account) and all. I have given new bank details ( of Axis Bank) through which i added some funds. At the time of adding the funds kite was also showing me old bank details which i have requested to change. I am not sure about whether old bank details has been deleted or not. So i request fund withdrawal in ” New Bank Account i.e. Axis Bank ” only. Did not find any contact details regarding this hence posting here. Pls do the needful.
Best write to support[at]zerodha.com with this.
In any case, I can assure you that the funds will only be transferred to the mapped account.
what is the minimum amount we can withdraw from trading account?
The minimum withdrawable amount is INR100.
not showing any text field to enter amount and also not showing submit button, tried in chrome and mozilla as well.
Can you write to support[at]zerodha.com with a screenshot and your ID?
I tried at 7PM,8PM and now at the time of writing this its 10:30 PM. How much time zerodha takes to process trade?
I placed fund withdrawal request on 13.01.2018 Saturday, but it would have been processed on Monday. I waited till morning of 17.01.2018 thinking that it will be processed. But then I cancelled that request, and instantly put new request at 10.00 am as it will be processed same day. Till writing this at 11.23 pm it is showing as Pending Request. How long does it take for requests to be processed? They say equity fund withdrawal is processed the same day, how so?
Best write to support[at]zerodha.com with this Devanand.
The withdrawal request is processed around 7.30 in the evening and the funds are credited to your bank account by the next day.
I believe the payout request was placed on Friday and processed by Monday?
The money which we transferred for Margin in Fund from our bank. Can we request withdraw for the Same ?
My NRE account (in standard chartered bank) is linked with ZERODHA for fund transfers, now i want to withdraw my funds from ZERODHA to my bank account, but this being a NRE account so only foreign currency can be remitted in the account.
How can i transfer funds from ZERODHA to my bank account..?
I am new to to Zerodha. I have added some amount for trading but my placed order was not executed today so i cancelled that order. Now when m trying to withdraw that amount at is showing Zero in Total value and my amount is present in FREE CASH and PAYIN. Let me know the reason why i am not able to withdraw?
I had a balance of Rs 61,330 in my zerodha trading account. I tried to withdraw 60,000 to my bank from my trading account. I got an SMS after 24 hrs, that my request has been rejected due to lack of funds. I don’t understand this.
If I put request for withdraw 10000 from my equity segment on Friday before 7 PM, and the next day is second Saturday, When will my Bank Account credit?
I placed withdrawal request before 7pm on 3rd Friday, 16th Feb 2018 for Rs 5000. Usually by 9 pm I receive text SMS stating, request processed. It’s now Saturday 12.35 am and I have not received text SMS yet. Q shows Request pending. I doubt if I receive the funds on Saturday morning.
I am trying to withdraw funds. But the text box where I enter the amount to withdraw is invisible.
Hey Ravi, this happens if you’re trying while the trade process is running at the end of the day. Should be fixed by now.
I am having account with Zerodha and my ID is SA0173.
I gave a withdrawal request of 1000 some days back but I didn’t get the money still. Where can I track how much i have deposited to zerodha and the amount i have withdrawn so far.
Hey Arun, you can check the ledger on Q. As for the withdrawal request not being processed, can you please write to support[at]zerodha.com? Will have someone check this out.
Please dont say its expiry day ! that means we can never withdraw on Expiry days ?? Trade process if it takes more time can run after withdraw process ??
Unfortunately, it’s not possible to process withdrawals before trade process as the day’s trades have to be taken into account.
I put a withdrawal request today 1st of March 2018 before 4 PM and I’m still seeing it in pending requests. Now tomorrow being a holiday (2nd March) for Holi, when will you process out the fund and when will I receive it in my account?
Trade process is still underway with 15min left for the window to close. Does this make any sense ?
With the introduction of the cross currency derivatives that trade till 7:30 PM, the trade process is delayed now Arjun.
I would like to cancel my withdraw amount.
i wanted to withdraw funds, as i am experimenting with this platform, but its showing account balance as 0.0 eventhough i have a minimal amount (1.1) that shows in my ‘equity margin available” box.
Is there any minimum amount to withdraw, or is there a time period before which i cant withdraw?
Hey Samruddhi. The backoffice is only updated at the end of the day, not realtime. As such, you’ll see the withdrawable amount only after the trade process for the day (post 7.30 PM).
Hi. I have just deposited 13K in Zerodha account. Used approx 6100 to buy shares and have balance of 6800 approx. When I am trying to withdraw this amount on withdrawal page, my account balance shows as zero. Why so?
Hey Amit, the backoffice is updated only at the end of the day. It’s not a live platform. place withdrawal requests post the trade process in the evening.
The withdrawals will have been processed on our end, but since banks are closed, should be credited on your account by Monday.
Sir yesterday i mean 28/3/2018 transfered the amount of 26000 but 29/3/2018 balace showing is 18500 after 1500 loss.
I tried to withdraw some funds. The place where to enter the withdraw amount (request withdraw) is not enabled. Why it is not enabled…?
If you’ve traded today, the proceeds cannot be withdrawn. Details here.
I sold my equity shares on 3rd April 2018. I can see the available balance in my trading account. But when I try to withdraw the funds it shows 0 (Zero) in withdrawable balance field. When it will be available and can withdraw my funds?
Can you write to support[at]zerodha.com please?
I added funds to my NEW account on saturday ,when i check for withdrawal i dont see any amount .
Funds that you add are available in our bank account only on the next working day. That is when you can withdraw.
I want to withdraw some of amount but could not place it what is the reason and its remaidal measure.
Would like to know if there is a an option to see the all the previous payouts done.
Hey Rathna, you can check your ledger in Q.
What happens if we place a withdraw request and the money is there in margin used?
I had placed a withdraw request yesterday and the request was processed, Can you tell me what is happening?
Hey Manoj, check this post.
My Equity account balance is 12k, I am trying to withdraw this amount , but withdraw not yet processed, since it is not showing in my withdraw balance, showing only in Account balance? its been two days now, and it was in the same state, balance not moved from account balance to withdraw balance?
My account balance is 47k and withdrawal bal amount is 2k i sold most of the stocks on 17th April ,when can i withdraw full 47k ? what is regular cycles for withdrawal if i sell stocks and want to withdraw ?
When you sell stocks, you can only withdraw the proceeds of the sale on T+2, so for sales on 17th, you should be able to withdraw today.
Are there any charges levied if the amount in the Trading Amount is transferred to our Bank account.
Please let us know what are the different ways to transfer this amount into our Bank Account, where there are no Withdrawal Charges.
I have made request to withdraw and after full day of communication the answer, I have got is .. cancel the previous withdrawal request and make a new one. Felt like you guys are buying time and tomorrow is off and then 2nd and 4th are bank holidays. Kind of 8 days gone. Please can someone look into this.
How much time it take to convert account balance to withdrawble balance? I want to withdraw my account balance from in equity row of funds withdraw page.
3. If Rs. 6317/- is the balance then rs. 7000/- has been debited from my closing balance of Rs.13317/- for what reason? because the same has been rejected as per the sms.
please explain and process this withdrawal request urgently.
I have recently withdraw 100 Rs to check the process of withdrawal but Rs 22 has been deducted from my zerodha account. Rs 100 Credited into my HDFC bank but where does Rs 22.00 goes? Can someone tell me where it goes?
You’d have made 2 transfers into the Zerodha account using the payment gateway. These transfers are charged Rs. 10.62 per transfer. The withdrawal is free.
Hi, I need immediate money for some urgency it’s available for withdraw immediately in my equity trading account.
If I trade intraday future or option can i withdraw my profit plus margin on same day.
Also in case of derivatives expiry day when will I be able to withdraw my margins blocked for that trade for nrml position.
I open Zerodha Trading and Demat account on 8 may 2018 today 19 may 2018 still i didn’t get my client id or password many times i compliant about that but sales manager as well as call centre said that sir u will get tommorrow. even i submitted my all documents.
What is the difference between account balance and withdrawal balance. Can I withdraw only the amount that it shows in withdrawal balance ?
Why It takes 2-3 days of time when we withdraw an amount from Zerodha, As I know its immediate to add funds to Zerodha Account and will be ready to purchase instantly as we add.
The transaction should be faster from both ways. This is really disgusting to wait for 2-3 days when we are already using lots of faster ways of transferring money from one account to other say UPI.
Hey Aditya, withdrawals are still processed once at the end of the day after trade process, and with a good reason. Only once the trade process is done can we ascertain how much clear balance is available in the account to process a payout. While instant payouts are possible, if you take a trade during the day, this situation gets tricky. We are working on addressing this concern and will figure out a way to make this happen soon.
Sir my account balance is 6800rs. But it is not withdrawal balance. And i can not withdraw this balance from 1 week. So plz help me for withdraw this balance..
You’ve sold shares on the 25th and received credit. This can be withdrawn only on T+2. That is after the trade process tonight.
I believe this is the proceed of stocks you sold? This is credited to us only on T+2, after which it becomes withdrawable.
What does negative withdrawable balance mean in Q? Can you explain with an example?
My account balance is Rs.200000 but the withdrawal balance is 600. When this account balance will be moved to withdrawal balance. I waited for 2 days.I need money .Urgent.
How ever in Kite , it is showing free cash only but not able to withdrawal.
Hey Dharmesh. Proceeds from sale of shares can only be withdrawn after T+2, as this is when even we receive the money. You should be able to withdraw after the trade process today.
I had transferred 5K from my Bank account to Zerodha in the morning around 10 AM. I see that against the Margin line item in the funds selection.
However, I didn’t do any trading for the day and when trying to withdraw the funds back to the bank it was not happening, because in ‘Q’ the funds were not reflecting. I have few clarifications regarding this.
1. Is there a time gap between Kite & Q to withdraw the funds without trading.
2. Is it that we should trade and realise some profits and only which will be available for Withdrawing?
Hi Ramamoorthy, Q is updated with the latest values at the end of the day, after trade process. You can place a withdrawal request after this.
If lam placed a withdrawal request on Sunday then when the request is completed monnday morning or evening?
The withdrawal is processed on Monday evening.
i have requested the fund withdrawal on 06th of June, 2018. There’s no reflection of amount in my bank account. Please help.
not able to withdraw,amount is showing in account balance but not in withdrawable balance. how can i withdraw?
Hey Tauseef, if you’ve sold shares, you’ll have to wait for 2 working days before being able to withdraw the funds as stocks are settled on T+2.
I am very disappointing with zerodha. I want my money urgently for medical treatment to my father. I sold my shares equal to 27000 nearly on 19 th, 38000 nearly on 20 th, 1,60,000 on 21 st.
now date 22/06/18 time 11:12 pm.
27000 showing in withdrawal amount, requested for withdrawal on 21/06/18 evening. waiting for money eagerly, but till now money not transferred. I checked in back office, it shows that the request was cancelled. why?. i can not understand.
Even after T + 2 day, 38000 rupees not showing in withdrawal amount.
I want all my money Tuesday morning at least. Can I ? Please help me.
Hey Rajendra, since you sold stocks on 19th, these would be available for withdrawal only after the trade process on 21st (since stock sales are settled T+2). Stocks sold on 22nd, the sale proceeds can only be withdrawn today, since weekends aren’t part of the settlement cycle.
What is the limit of cash withdrawal ? I ordered for a withdrawal but the sms which I got that ” Dear KARTIC …. JANA Your withdrawal request for Rs. …….. has been rejected due to insufficient funds.” What’s the cause?
I have sold some of my stocks (Equity) and the fund got credited in Zerodha account. But when I try to withdraw the fund, it’s not shown in “Withdrawable Balance”. I’m facing this issue for 2 days (Except Saturday & Sunday). Please Help… It’s urgent.
Why is my withdrawal amount shows only about 18% of total amount I have?
withdrawal request for Rs. 5000.0 has been rejected due to insufficient funds.
This is because when you sell shares, the proceeds can only be withdrawn after two working days as shares are settled on a T+2 basis and that’s when the money actually hits your account.
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My first attempt at building some form of basic infrastructure constructs in AWS.. Keep in mind that this is the learning curve, so in no way represents best-practice deployments!
The index.php is a basic “Hello World” which also shows the internal IP of the host serving it.. this way when tweaking with load-balancers I can tell which instance has served the request. The two pages are stored in an S3 bucket and the IAM role applied to the Launch Configuration allows the instances to copy the files down to the web server.
This stuff is bloody complicated – but – certainly not impossible. Once you know what all the components are, how they work and interact with each other, it’s easy to start building services and constructs based on them.
Well – my first foray into AWS was going so well.. I’ve been using A Cloud Guru for my AWS Architect Associate training and following each of the labs and doing a bit of playing in the background myself. Since getting through the initial S3 and EC2 videos, I brought up a Bitnami WordPress instance to host this site and did the relevant Route53 transfer and what have you. I also moved our wedding website to an S3-Static Site bucket as post-wedding it didn’t need PHP or anything fancy to run.
All seemed well and good.
Then I decided that since I was now hosting ‘live’ sites from my AWS account, I didn’t really want to be meddling with labs and accidentally destroy something.. So I created a new account and went about building a little lab environment: New vPC, subnets for web services, subnets for bastion hosts, scaling groups.. the works! I thought I was doing so well until I tried connecting to the first bastion instance I’d created and got a dreaded SSH time-out!
Cut to the chase: If you don’t want to read the rest, just remember this: Don’t forget a default gateway in the routing table – it doesn’t add itself!
Instance attached to Subnet.. duh, check.
Subnet associated in routing table.. check.
vPC associated with Internet Gateway.. check.
Security group has sensible ruleset (SSH and HTTP/s inbound from 0.0.0.0/0).. check.
So I still couldn’t see what the issue was. Now, at this point, I hadn’t done any training on CloudWatch, but I noticed in the vPC configuration I could do something with Flow Logs. So a bit of playing around and following the on-screen “You’re trying to do something you’re not ready for yet“-type instructions, I got flow information for the vPC going into a log and I could drill down on a per-instance basis.
Now I could see what was going on.. Nothing wrong with the rules, my ping’s and SSH attempts clearly had ‘ACCEPT’ next to them, so the inbound path was fine.
Then it dawn on me… stuff is getting in, but how is it getting out – or more precisely – does it know HOW to get out? So back to look at the routing table I went, with the sudden realisation that there was no default route! Doh! And I’m supposed to be a network engineer!
That’s right.. in bowing to the mentality that you should do what you preach, the 23,333 blog has moved home to AWS!
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In this article, we explore Elucidat as an alternative to Articulate Storyline and Adobe Captivate – to help you decide if it’s time to make the move to cloud-based authoring. Why would you want an alternative to Storyline and Captivate? See us as more of a partner than a vendor.
In this article, we explore Elucidat as an alternative to Articulate Storyline and Adobe Captivate – to help you decide if it’s time to make the move to cloud-based authoring. Why would you want an alternative to Storyline and Captivate? How is Elucidat a good alternative to Storyline and Captivate? See us as more of a partner than a vendor. Check out the top 10 learning analytics to track. Test out an alternative to Articulate Storyline or Adobe Captivate.
PENS was created by AICC as an alternative to SCORM 2004, 3rd edition. . If you plan to track or have instructor led training, then this is relevant. Can you track the end users in it? Vendors who have partnerships with WebEx or whomever they use, typically require you to purchase a license, which is separate from the system. Many will offer or have the ability to purchase the license for you, rather than you having to go to the vendor themselves and purchase it.
Since I'm likely not going to be blogging for about a week starting Friday, I thought I'd get an early jump on this month's Big Question from LCB - ILT and Off-the-Shelf Vendors - What Should They Do? The reality is that all providers of content are competing in a flat world, with easy access to virtually every other information source and many different, alternative means of content creation. Helped them remember needed steps and track progress.
Work closely with your LMS vendor. You can also group tasks by dividing your implementation into five phases, like this: 1: Before vendor is selected | 2: After vendor is selected | 3: During contract negotiations | 4: Before go-live | 5: After go-live. Should compliance courses be maintained in paper formats as an alternative, in case of a system failure? Ask your new LMS vendor about this.). Ask your LMS vendor for advice.).
As soon as admins depart from using their system’s pre-built report templates, they can sometimes find themselves in an alternate universe of SQL queries and database tables. Reporting poses a challenge to LMS vendors as well.
You’ve likely endured heated internal discussions, unwelcomed vendor surprises during demos and unforeseen contractual confusion. Plus, you’ll gain an ally who can apply “good cop/bad cop” negotiating tactics with your vendor, if necessary.
Media support With an explosion of device types and browsers, it is important to keep track of media supported by each combination. Even better the tool could intelligently select an alternative media from multiple media provided. Tool vendors will need to keep the differences in view while designing their wares These days designing and delivering end-to-end e-learning on mobile devices is on everyone's mind. What kind of capabilties must tools have to support m-learning?
Even if these new little cloud vendors offered more elegant features, they were not built to run in large-scale enterprise settings, so the chance of gaining a foothold was slim.
In 2017 we tracked more than 35 different mergers and acquisitions in the learning technology space. Among the more than 700 vendors participating in today’s LMS marketplace, we continue to see a wave of learning solutions designed to solve “niche” business challenges.
Alternatively, people with motor and sensory disabilities know whether content is accessible or not. To caption your videos, you can either do-it-yourself or hire a professional captioning vendor. You can always provide alternatives for video accessibility.
I spend my days anticipating, tracking, understanding and interpreting learning technology trends so I can help organizations make better buying decisions. Technology and vendors are constantly changing, so each new buying cycle involves a steep learning curve.
The LMS collects data to track and report results of their performance. To check if eLearning content, or a tool or system, really is compliant, ask a vendor or developer to explain the details. What is tracked by a SCORM course?
Depending on your vendor, new media features may be part of your LMS. Alternatively, the discussion can begin before the program, allowing a measurement of where participants are before the training starts. Social media is a big part of our lives, and it is the future of learning and development. The Internet and social media allow people to blog, tweet, collaborate, post video and content, discuss, and even rate experiences.
Who owns the edits – you or your vendor? Decide which changes you need to fast-track, and which can be bundled into a larger program update. If you choose a vendor other than the one who created the original content, there may be a learning curve.
However, the main objective of the LMS is typically to host and track online learning. LMS vendors competing to offer users the most engaging learning features and functionality fill today’s learning technology market.
So far, I have formally reviewed and currently track 120 of them. This gives buyers a sense of comfort and confidence that is rarely achieved with generic LMS alternatives. The explosion of vendors and specialized solutions is moving learning innovation in countless directions.
Generally, companies that rely on vendors for semi-finished products need to take greater care, ensuring enough training is being provided to vendors on good manufacturing practices. Since the costs of traditional training on a global scale are steep, and ensuring vendor compliance is even tougher, an increasing number of organizations are relying on remote eLearning as a method of effective training and assessing compliance.
More are popping up and will likely continue to do so in 17 and 18, especially when it comes to vendors in the LMS space incorporating them as part of their platform. Some vendors though have changed the premise of the data record transference. LMS vendors that created their own LRS.
Even the common alternatives are flawed. One example of this in practice is software vendor InterSystems. We’ve all been there: stuck in a classroom while the sun blazes away outside, unable to concentrate as you struggle to stay awake through an all-day training session.
Integrating with a vendor’s API can speed up the eLearning processes by automating time-consuming manual tasks like updating, deleting, or exporting lists of users. A cloud-based LMS is a web-based platform that helps companies to deliver, track, and report on eLearning.
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Modern jury selection is pulled in two directions. Equal protection prohibits racial discrimination, but the traditional peremptory strike permits exclusion of a juror without explanation. To reconcile this tension, the Court developed the Batson framework, requiring lawyers to articulate ex post race-neutral justifications for suspicious strikes. But many doubt Batson's efficacy at uncovering latent discrimination. During the 2015-16 term, while recognizing a Batson violation in Foster v. Chatman, the Supreme Court counter-intuitively reinforced this concern. Foster is the rare case in which prosecutors documented in writing their reliance on race. A framework that depends on such transparency is weak and ineffective. And the systemic persistence of discrimination, three decades after Batson was decided, has convinced many that the only solution is to eliminate peremptory strikes in their entirety.
In this Article, I offer an alternative strategy. I introduce a new mechanism to reform - but not entirely eliminate - the system of peremptory challenges: the "hybrid jury strike." Hybrid strikes would fall in between traditional peremptory challenges, which may be exercised at the party's discretion, and challenges for cause, which may be granted only upon an adequate showing of juror bias or other basis for disqualification. Hybrid strikes would require ex ante justification but not a conclusive showing of bias; they could be used to exclude a set number of jurors who survived non-pretextual and meaningful cause challenges. Hybrid strikes could replace traditional peremptories wholesale or could be leveraged asymmetrically - for example, by preserving traditional peremptories for the defense while permitting only hybrid strikes for the prosecution.
Hybrid strikes offer an intermediate approach between the status quo and complete abolition of peremptory challenges. They would meaningfully curtail discrimination while preserving the most legitimate function of peremptory challenges: to foster jury impartiality by providing a buffer zone for cause challenges when evidence of bias is credible but insufficient or when judges erroneously reject them.
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Posted on Monday, December 15th, 2014 at 1:20 am.
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Janitorial Services Pleasanton CA is preferred by most residential and commercial property owners because they are available round the clock. It is highly committed to becoming the best cleaning business within the country. With fully trained, well-experienced and diligent workers, customer satisfaction is all they guarantee. Hiring the service of their janitors will not give you headache because they can work in courteous manner without interrupting your stay at home or business. To help you have clean and green surrounding is their goal.
If you are around area feel free to get in touch with Janitorial Services Pleasanton. Be with the best for long-term janitorial service contract!
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The Poncha Springs Gun Show currently has no upcoming dates scheduled in Poncha Springs, CO. This Poncha Springs gun show is held at Chaffee County Fairgrounds and hosted by Buena Vista Sportsman Club. All federal, state and local firearm ordinances and laws must be obeyed.
Lunch on Saturday and Sunday.
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Isostar High Protein 25 bars are rich in carbohydrates and protein. They contain high quality milk protein (guaranteed 25%) and contribute to the increase and maintenance of muscle mass. They supply the muscles with all essential amino acids and the vitamins contribute to the reduction of fatigue and fatigue. The bar, in its practical format, is the ideal companion for sports activities.
The Isostar High Protein Bar is ideal for building muscle mass, alone or as a supplement to Protein Powder. Consume the Isostar High Protein Bar before, during and / or 15 minutes after exercise. Ideally in combination with a drink.
This bar is ideally suited for muscle building and especially for building muscle mass alone or as a supplement to proteins in powder form.
Order was in order but only after a week delivered.
Bestelling was in orde maar pas na een week geleverd.
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A place to hack together projects, software & hardware.
5 hours of cutting, plastic welding, hacking, connecting and pizza consumption later, we had the air cannon ready to test. It was a conservative test at 40psi as we really didn’t want to pop open our freshly glued PVC joints, but a successful test nonetheless as we fired an empty soft drink bottle across the basement.
Next test is the exciting 100psi test, which we’ll be doing at 5pm at Format tonight.
As always, this is an open test, so if you’re nearby 15 Peel street, come along to see the action.
If you’re interested to know how we managed to afford to build such a nice looking air cannon, you should probably have a quick look at the DFEEST website. Those lovely chaps are the ones that have brought the Adelaide educated, MIT “Human-Robot Communications” co-ordinator, aka Zoz back to Adelaide. They’ve also funded the parts for the air cannon, which if you ask me is definitely a good practical way of inspiring people to engage with science.
But enough of the ranting and shameless plugs, here are some photos from the construction last night.
And a video of the first 40psi test.
Next up, a test at about 90psi.
Then a full 100psi test with some makeshift confetti.
This entry was posted in Projects and tagged 40psi, adelaide, air, cannon, first, hackerspace, test, zoz. Bookmark the permalink.
If you can hold off until 5:15ish I would love to see tonight’s test… my dreams of an explosion of petals seem to have been crushed by the projectile drink can.
Thanks for taking photos and video last night so those of us who couldn’t make it can share.
5.15 should be fine. we’ll need to plug it all together and charge the tanks.
A couple more videos from others..
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Consumer Defense Program | Foreclosure Defense. How to Stop Foreclosure.
Facing Foreclosure? Want to Stop Foreclosure Fast?
Illegally Foreclosing On Your Home.
Learn Simple Foreclosure Defense Strategies so you can stay in your home.
in the News are Saying About Foreclosure Defense.
Help, I am Facing Foreclosure.
Knock, knock came the noise from the front door. I gingerly opened the door to find my postman handing me an envelope requiring my signature. It was for certified mail.
It was a Notice of Default from my servicer. It felt as if someone had physically punched me in the gut and I felt like vomiting. Intellectually, I knew this moment would arrive, but yet I cannot help the way I feel.
I couldn’t even get myself to finish reading the rest of the document before tossing it on my desk and crawled into bed and cried.
As a grown man, I cannot recall when the last time I cried. I’ve been conditioned to “be a man” and not to break under pressure. But, despite it all, I cried. Somehow, I wish that someone would come and tell me everything is going to be OK, just like my mother did when I was a little boy. Unfortunately, no body could. Because nobody understands what I am going through. It’s hard to “keep it together” when your whole world is falling apart around you.
My name is Vince Khan. This is my story.
I made a lot of money around 2002-2004. I made enough money to retire for the rest of my life. With that money, I invested in a number of properties, partly as a way to park my money and partly as a way to make a little money investing in real estate.
In 2009 I started another business that required a lot of start up capital. Things didn’t turn out as I had planned. I had invested all my money into the venture but it was not enough. I needed more money. In 2010, I made a decision to stop paying the mortgage for 4 of my investment properties to feed my new start up, in the hopes that eventually, my startup would turn around and I would then have enough money to pay back the bank.
I was wrong. My startup failed. Not only had I lost everything, I was heavily in debt because I leveraged everything I had to fund my company.
So, like millions of people around the country, I was facing foreclosure.
Shortly after I stopped making payments, I started looking at my options. I could either do a short sale (meaning I could sell the property for what is owed) or just hold onto the properties for as long as possible before they foreclose on me. Or I could put up a fight.
To be honest, when I started this journey, I was just as ignorant as everyone else who was in going through a default. I borrowed the money. Now, for one reason or another, I can’t pay my mortgage. So, I was lead to believe that the bank was entitled to foreclose on my houses and repossess them.
As I studied this issue deeper, I came to realize that banks were actually committing some very clever schemes to steal people’s home without the proper “Standing” to do so.
You see, once a bank have sold a promissory note as a MBS, it no longer owns the note. And if it does not own the note, it does not have the right (or Standing) to foreclose.
But they do this every single day, because they rely on our ignorance. They rely on your ignorance. They rely on the judge’s ignorance and they even rely on their own lawyer’s ignorance to pull this scheme off.
On one side, we have a growing population of people living in tent cities without running water, without toilets or other things you and I take for granted.
At the other end of the spectrum, we have bank executives getting multi-million dollar bonuses for how quickly they can foreclose people’s homes (without having any actual legal authority to do so).
Not only that, these bank executives have received TRILLIONS of taxpayer money from TARP (the Troubled Asset Relief Program) to pretty much do as they see fit. You know, buy up smaller banks, buy executive jets, go to the Bahamas for exotic retreats and other wonderful ways to spend the handouts from our government.
But most frustrating of all, I discovered that as a homeowner, my choices were very limited.
Firstly, even if I took the time to learn about this fraud, so what? How does this have to do with me saving my houses from foreclosure? I am not a lawyer. I am too poor to afford one, and even if I had $25,000 to retain one, there was no assurance of success. (Access to the law is no longer affordable to the common man).
Secondly, I don’t know enough about the law to put up a viable defense. I’m just your average computer geek. I don’t know anything about the law. I don’t have the time or the mental energy to learn to be a lawyer to put up a defense.
Thirdly, there was very limited information available for homeowners to learn about this stuff. Even if one has the time, it would take a full time occupation to figure all this stuff out at the best of times (ie. When one is not suffering from crippling depression when one’s world is falling apart).
Fourthly, very few attorneys even know about this stuff. There wasn’t really anyone I could go to to learn this information.
The odds were just stacked against me.
Faced with insurmountable adversity, I was faced with a decision: To give up or to go down fighting.
My father told me a story about how Japan won so many battles in Asia (they took over almost all of Asia before America dropped the bombs). He said that unlike other armies, the Japanese doctrine was “death before dishonor”. The concept of surrender or retreat was the lowest of shame for a Japanese soldier. When they landed their troops into a battle, the Japanese would tell their soldiers that the only way they would go home was to either win, or return in a body bag. There was no retreat. As a result, the Japanese soldiers fought like their lives depended on it, because it literally was.
I committed to doing whatever it takes to put up a fight and win.
I started to challenge the bank using the processes outlined in this book, and to cut a long story short, I managed to compel the bank to issue a Rescission of the Notice of Default on my property.
Essentially, this means that the bank can not foreclose on my house and it is currently in limbo.
As of the time of writing, I am in the process of filing a civil action called a “Quiet Title Action” to remove the lien on the house. You can read more about the progress of this on my website at www.consumerdefenseprograms.com.
As I learned more about this subject, it occurred to me that millions of other people around the world were going through the same problems I was going through. The biggest issue faced by distressed homeowners was that there was no easy to understand, easy to follow materials available to the average homeowner to put up a fight against lender fraud.
With this in mind, I put together a blog online to help homeowners. All the sudden, my site got bombarded with so many people wanting to know more about what I’ve discovered. Everyone started to ask me questions; everyone wanted me to help them with their situation.
I quickly realized there were a number of problems with this situation.
I barely have enough headspace to deal with my own problems, let alone other people’s.
Helping people takes time, and everyone’s situation was different. I only have a limited amount of time in the day. I barely had time to pee, let alone help other people.
Helping people for free full time means I cannot spend that time to make a living for myself. It is a full time job just to keep up with all the research and reading to understand the strategies of foreclosure defense.
With these problems in mind, I decided to write this book. My goal is to give homeowners an easy to understand resource so that you can quickly grasp how the fraud is being perpetrated. Once they understand the fraud, to then teach them how to articulate a viable defense. I’ve written this book so that anyone can put together a viable strategy to defend their home from lender fraud and so they can keep their home for as long as possible.
Unlike other books, this book is written in a conversational tone using lots of stories and analogies so everyone can understand. I believe that often “less is more” when it comes to information. While other books are hundreds of pages long, this book by comparison is rather small. Too much information leads to overwhelm and “paralysis by analysis”. My goal is to make this handbook be a practical guide with real practical steps you can do right now to save your home, yet be easy enough to digest in one evening’s reading.
Please keep in mind, this whole scheme was created by the brightest minds in the banking industry. This is something banks don’t want the public to know. They have gone to great lengths to make sure people like you don’t know about their schemes. Court cases have been settled with conditions of a gag order are being done on a regular basis. In one instance, an expert witness I’ve interviewed have had his life threatened by banksters for the information he knows.
The information presented in this book is highly controversial. I truly believe that I am writing this book at great risk to my own personal safety. Thanks to the power of the Internet, my hope is that once this book is in the hands of enough people, that the banks will not feel the need to “silence me”.
I’ve always been inspired by the story of Jesus. In particular, his bravery for doing what’s right in the face of overwhelming adversity. Jesus was arrested for talking against the rabbis and was condemned to death. His jailer knew that Jesus was a good man and did not want to see him dead. The jailer deliberately left Jesus’ jail door open and made arrangements for Jesus to easily escape. Instead of running away, Jesus stayed in his cell and ended up dying on the Cross.
While I don’t want to be a martyr, I do feel strongly about helping homeowners despite the dangers to myself.
If you are facing foreclosure and want an easy to read, and easy to understand guide to help you stay in your home, then this book is for you. Too often, one has to wade through thousands and thousands of pages of information to get a basic understanding of what’s going on. This type of information is often written in legalese (by lawyers for lawyers) and is ladened with double talk jargon that it is hard for the average person to comprehend.
I hope you will join me in standing up against injustice and bank corruption. And if this book makes a difference in your life, please “pay it forward”. Please tell others about it.
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Browse Malaysia’s best used Porsche cars from the lowest prices.
Porsche is one of the most famous brands in the world, where many would one day wish to at least own one. However, cars like these do cost a lot when new but for a very good reason. The Porsche brand is synonymous with motorsport, especially like the legendary 911 have seen many successes from weekend races to world championships in its illustrious 60-year history.
Ferdinand Porsche founded the company called "Dr. Ing. h. c. F. Porsche GmbH" in 1931 with main offices located in the centre of Stuttgart. In post-war Germany, Ferdinand Porsche designed and developed the company’s first car, the 356 where it used components from the Volkswagen Beetle including the engine, transmission and suspension. In 1964, after a fair amount of success in motor-racing with various models including the 550 Spyder and with the 356 needing major re-design, the company launched the 911 sports car, and has been part of the brand’s model line-up to this date.
Today the 911, 718 Boxster and Cayman, Cayenne, Macan, and Panamera make up Porsche’s current model line-up and come with comprehensive model variants like the Carrera 2, Carrera 4, GTS, Turbo, Hybrid and other notable specials like the 911R, GT3, GT3-RS, Cayman GT4, and the 918 Hypercar will and always be in the hearts of many car enthusiasts and aficionados worldwide.
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VIRGINIA BEACH—The Nov 18 Joint Achievement Week luncheon was over. Honorees, family members, friends, and Fraternity Brothers milled about as banquet servers cleared the banquet hall at Norfolk State’s Scott-Dozier Hall. Gamma Xi’s Omega Man of the Year, Bro. James Barber was out the door, plaque in hand, a change of clothes in his SUV...and turkeys. The chapter’s Social Action Chair was back in work mode, taking the lead in one of several things that earned him chapter recognition at this year’s Achievement Week awards event. Within an hour of downing his meal, he rallied the Brothers, along with family, friends, supporters and members of the chapter’s Golden Fold mentoring group. After the obligatory photos, he split the group into two and divided ten boxes of turkeys and sides equally, sending them on their way. He, himself, led one of the groups to several neighborhoods to donate food items to needy families, and spread the good will of the Fraternity. In addition to Thanksgiving and Christmas food donations, Bro. Barber has coordinated Gamma Xi’s St. Jude’s and Relay for Life fund raising efforts, along with Adopt-a-Highway for several years.
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A method of railway track geometrical layout design, based on an application of cubic C-Bezier curves for describing the layout curvature is presented in the article. The control points of a cubic C-Bezier curve are obtained in an optimization process carried out using Particle Swarm Optimization algorithm. The optimization criteria are based on the evaluation of the dynamic interactions and satisfaction of geometrical design requirements.
Baykal, O. : On concept of lateral change of acceleration, Journal of Surveying Engineering, 122(3) 1996, 132-141.
Baykal, O, Tarı E, Coşkun Z, Şahin M, A New Transition Curve Joining Two Straight Lines, Journal of Transportation Engineering, ASCE, 123(5),337-345, 1997.
Cai H., Wang G.: A new method in highway route design: joining circular arcs by a single C-Bezier curve with shape parameter. Journal of Zhejiang University Science A 2009, 10(4).
Dahlquist, G., Björck, A. Numerical methods, Prentice-Hall 1974.
Habib Z., Sakai M.: G2 Pythagorean hodograph quintic transition between two circles with shape control. Computer Aided Geometric Design 2007, nr 24.
Habib Z., Sakai M.: On PH quantic spirals joining two circles with one circle inside the other. Computer-Aided Design 2007, nr 39.
Ifeachor, E., Jervis, B. : Digital Signal Processing. A Practical Approach, Addison-Wesley, 1998.
Kennedy J., Eberhart R.: Swarm intelligence, Morgan Kaufmann Publishers, San Francisco, 2001.
Koc W.: Elements of the theory of track design (in Polish), Gdansk University of Technology Publishing, Gdansk 2004.
Koc, W., Mieloszyk, E.: Comparative analysis of selected transition curves using dynamic model, Archives of Civil Engineering, 33(2) 1987, 239-261.
Koc W., Palikowska K.: Dynamic properties evaluation of the selected methods of joining route segments with different curvature (in Polish), XVI International Scientific Conference "Science, Industry and Transport Computer Support Systems − TransComp", Zakopane 2012.
Koc W., Palikowska K.: Analysis of the curvature modeling methods –Bezier curves against the analytical method (in Polish). Scientific-Technical Papers SITK, 3(99), s. 225-237, Cracow 2012.
Mieloszyk, E., Koc, W.: General dynamic method for determining transition curve equations, Rail International-Schienen der Welt, 10 1991, 32-40.
Palikowska K.: Design of railway track geometrical layout using evolution programming, PhD Thesis (in Polish), Gdansk University of Technology, 2002.
Tari, E.: The new generation transition curves. ARI 54(1), Istanbul Technical University 2003.
Zhang J.: C-curves: an extension of cubic curves. Computer Aided Geometric Design 13(3) 1996:199-217, DOI: 10.1016/0167-8396(95)00022-4.
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Introducing our Summit To Sea Artist's Series, a collection of Moment clothing featuring artists from around the Pacific Northwest. We asked each artist in our collection to come up with something that represented their Moment when it came to surfing in the Northwest. The Moment Trees And Waves Hat features custom art by David Rollyn that captures the spirit of the surf experience of the Pacific Northwest!
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Error: Wrong email and/or password.
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Market leading supplier of fire alarms, residential and commercial we specialize in fire protection Fire Alarms Broxton Cheshire.
Security from flame is a major enormous issue in this day and age that is being worked by the innovation! What’s more, being a delicate issue, everybody searches for a progressed and dependable arrangement. To fill the need, there are an arrangement of widespread fire codes or fire security standards or directions that assistance fire caution makers and even providers to disperse reliable instruments and types of gear.Fire Alarms Broxton Cheshire.
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Fire cautions are an item that should be available in each building; they are a methods for sparing lives, a notice to an occasion that may occur. A fire can execute and all of a sudden, you might be uninformed that a fire has broken out… they can be caused by various things and are particularly hazardous where hardware and gas are included. Anyway one of the fundamental driver of death from fir is smoke inward breath.Fire Alarms Broxton Cheshire Taking in the smoke from flame is a to a greater degree an executioner than the fire itself, it is on account of the smoke spreads through the air and stops you taking in oxygen, this occasion regularly occurs before the fire can contact you. Smoke and Fire are quiet executioners and without notice you could be in danger… Fire cautions were made to pre-caution you that a fire might be available.
They work be distinguishing changes noticeable all around; they are furnished with sensors that are fit for identifying abundance smoke noticeable all around. On the off chance that this is recognized the alert will trigger and a boisterous entering commotion will radiate from the caution, this is to caution you that a fire might be available some place in the building. When introducing these they ought to be put in the fitting spots, specialists will regularly come fity these into your building, particularly in business and modern properties. At the point when introduced they should be tried to ensure they work. Establishment of these is critical and if done mistakenly could bring about genuine outcomes.Fire Alarms Broxton Cheshire.
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While American drum corps like the Racine Scouts, Cadets, Boston Crusaders and many others are deservedly proud of their longevity, a European drum corps is celebrating its 100th anniversary this summer! Jubal Drum and Bugle Corps is marking the centennial with a return to the DCI Tour this month. Dan Potter talks with Jubal Tour Director Hans Kloppert in today's Field Pass presented by Zildjian.
Download and listen. (MP3, 7:37, 7.5 MB) Have a Field Pass question, comment or request? Leave a message for Dan Potter by phone at 317.275.1212 x40 or by e-mail at [email protected]. Subscribe to this podcast through iTunes. Become a fan of the Field Pass on Facebook. Visit Zildjian.com. Field Pass archive.
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We’re towards the end of Takahe Rd, before the golf club. We’re located down a long driveway with on-site parking. Our gate locks overnight; please see reception for a code.
Bus: From the Far North i-SITE you can catch the 4:30pm Sand Safari tour bus to Ahipara.
Airport: Taxi to the Far North i-SITE, then take the Sand Safari tour bus as above.
Escape to YHA Ahipara Backpackers and Holiday Park, a 5 minute walk from spectacular Ninety Mile Beach. Our spacious grounds include a variety of facilities including a backpacker lodge with small lounge and kitchen, private cabins, and our reception building containing our communal lounge, internet cafe, table tennis, and fully-equipped kitchen.
We're within easy reach of the beach, a local shop, takeaways, and a restaurant. This is a small, relaxed town with some great surfing and makes an excellent place to relax and unwind.
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We instantly connect you with passionate, reputable and experienced influencers who want to help you meet your marketing goals.
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RealVNC software is used by educational institutions and charities on activities that range from supporting internal IT systems to helping visual impaired students in the classroom.
RealVNC provides us with a fast and effective way to support our widespread staff and students. It’s not a big piece of software but it’s fast and really simple to use.
With VNC Connect installed on their tablets, visually impaired children can access the whiteboard from anywhere in the room. This allows them to engage with the lessons and we are a seeing a positive impact on their independence and confidence.
RealVNC is helping us meet our goal of integrating visually impaired students with their peers in a mainstream classroom environment.
RealVNC remote access software is hugely beneficial in effectively troubleshooting IT problems around campus.
RealVNC remote access software has decreased the amount of downtime when our onboard systems do not perform properly, allowing us to increase the amount of time sampling.
We use VNC Viewer Plus to connect to all of our Intel vPro machines around the University. We have experienced significant time savings from reducing the amount of desk-side visits.
VNC Connect’s instant support capability allows our IT technicians to elevate permissions on colleagues’ computers without divulging their admin password – it’s a great feature for peace of mind and security.
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Discover the Newbery Honor winner Doll Bones, from Holly Black, the cocreator of the Spiderwick Chronicles. A Kirkus Reviews Best Book. A School Library Journal Best Book. A Booklist Editor’s Choice Books for Youth. A Publishers Weekly Best Children’s Book. A NYPL “100 Titles for Reading and Sharing.” A People Magazine “Best New Kids Book.” Six starred reviews!
Zach, Poppy, and Alice have been friends forever. And for almost as long, they’ve been playing one continuous, ever-changing game of pirates and thieves, mermaids and warriors. Ruling over all is the Great Queen, a bone-china doll cursing those who displease her.
But they are in middle school now. Zach’s father pushes him to give up make-believe, and Zach quits the game. Their friendship might be over, until Poppy declares she’s been having dreams about the Queen—and the ghost of a girl who will not rest until the bone-china doll is buried in her empty grave.
Zach and Alice and Poppy set off on one last adventure to lay the Queen’s ghost to rest. But nothing goes according to plan, and as their adventure turns into an epic journey, creepy things begin to happen. Is the doll just a doll or something more sinister? And if there really is a ghost, will it let them go now that it has them in its clutches?
Doll Bones is a winner of the Newbery Honor, is the recipient of six starred reviews, was on five Best Book lists, and was called “perfect” by The New York Times.
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As a student at Wayne State University, Mary Youatt Steinbauer ’57 B.A., ’59 M.A. often read LIFE magazine while dreaming of a career in New York City. With perseverance and the guidance of her professors, she made it.
Steinbauer first pursued a political science degree at Wayne State. Then a friend recommended the history department. Rather than choose one field of study, Steinbauer double majored in both history and political science—a decision that unknowingly changed the course of her life. She later earned a master’s degree in history as well.
Steinbauer’s favorite memories about the university reflect her ambitious academic pursuits. She was selected to join the Phi Beta Kappa national honor society as a junior—a rare honor. Steinbauer fondly recalls the “wonderful teachers” from her history classes, specifically Alfred Kelly, Bernard Weisberger and Goldwin Smith. But she is sure to add that she gained insight from professors in many departments, including political science, English and French.
Like many of her classmates, Steinbauer found it necessary to hold a job while in school. As an undergraduate student, she worked part-time for the Detroit Public Library located at Six Mile and Gratiot. When she had free time, Steinbauer sometimes walked down Woodward Avenue to downtown Detroit. She remembers passing the Vernor’s factory and stopping in Hudson’s department store.
After earning a bachelor’s degree with high distinction, Steinbauer began working toward her graduate degree at Wayne State. She would study long hours in the library, and to reward herself she read LIFE magazine. “I surrounded myself with all the old volumes,” she said. In addition to taking classes, Steinbauer worked as a graduate assistant for Professor Alfred Kelly, chairman of the history department.
While approaching the end of her academic career, Steinbauer was challenged to pick a specific occupation. Traditionally, history majors went into education, but Steinbauer did not want to teach. Her professors helped her explore other career options, including publishing.
Steinbauer started down this path first as a librarian at the Jam Handy Organization in Detroit. A couple years later she moved to New York City in hopes of working on television documentaries. But Steinbauer was hired as a picture researcher for a new Time-Life Books series on American history instead—a job that ultimately defined her career.
“My degrees in history and my experience at an audio-visual company led me into the field of historical photography,” said Steinbauer. While at Time-Life Books, she became picture editor of various books as well as the resident authority on historical photography. Often she would hunt for sources of historical pictures and arrange them into photo essays. Her favorite series was This Fabulous Century, a social history of the decades of the 20th century. As picture editor, she shaped the series and the content of the volumes. After 13 years at Time-Life Books, Steinbauer moved to LIFE magazine, the publication she loved to read during her years at Wayne State.
My degrees in history and my experience at an audio-visual company led me into the field of historical photography.
Steinbauer was originally hired at LIFE magazine as picture editor of the bicentennial issue titled “100 Events that Shaped America.” Her responsibilities grew, and she progressed from an assistant editor to assistant managing editor throughout the next 17 years. She also became editor of the annual year-end issue and semiannual special issues. In the early 1990s, Steinbauer did a press tour for LIFE magazine and received the Headliner Award from the Women of Wayne Alumni Association. The annual award celebrates Wayne State alumnae whose achievements have made headlines in the media.
Steinbauer’s favorite magazine issues covered a variety of topics and included “The Bill of Rights,” “World War II,” “Our National Parks,” “The 1980s” and “150 Years of Photography.” A particularly memorable issue on the Constitution won best single-topic issue of the year from the American Society of Magazine Editors. The 50th-anniversary issue of LIFE also was a major accomplishment, breaking records in a number of pages, sales, advertising, and publicity. In that special issue, Steinbauer re-ran some of the stories and pictures she first discovered in Wayne State’s library.
In addition to researching historical events, Steinbauer witnessed many in person. “During my 30 years at Time Inc., my Wayne State degree in history led me to the top of the Lincoln Memorial steps during the March on Washington, to inspect the National Archives evidence of President John F. Kennedy’s assassination, and to visit the Oval Office and watch President Reagan take off in his helicopter from the White House lawn,” said Steinbauer.
She also saw exclusive marriage photos of the Prince and Princess of Wales and attended a White House Correspondents’ Dinner. Throughout her career, Steinbauer dug through many historical archives, museums, and libraries across the nation, discovering buried collections and records.
While working at Time-Life Books, Steinbauer met her husband Douglas, an art director. They moved into an apartment in Greenwich Village and were happily married for 47 years until his death earlier this year. Together, they traveled the world, including the British Isles, India, Machu Picchu, the North Cape and Cambodia.
Steinbauer now enjoys retirement in New York City and attends many museum shows, plays, and concerts. She also enjoys visiting family in Detroit, Boston, and California, as well as her three step-children and their five children on the east and west coasts.
She gives back to Wayne State when she can because she received a scholarship from the university and believes that support is important for all students. Obtaining a Wayne State scholarship represented a single snapshot in Steinbauer’s own history. However, it sparked a successful and adventurous life-long career.
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We offer free delivery on orders over £749* with all bed, sofa & furniture deliveries carried out by our own in house expert delivery teams.
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Post-Harvey: Will Texas Repeat Louisiana’s 2005 Money Grab?
Now that Hurricane Harvey has finally passed, leaving behind in Houston and East Texas a level of devastation unprecedented in U.S. history, the political games around securing taxpayer money at the local, state and national levels to help pay for the rebuilding effort will begin. Given that Harvey wrought destruction from Corpus Christi all the way up the coast through the Beaumont/Port Arthur/Orange Golden Triangle and into the Piney Woods communities of East Texas, we are talking about an area that is home to at least 8 million Texans. Contrast this to Katrina, which, as terrible as it was, impacted New Orleans and surrounding areas that were home to just over 1 million Louisianans.
Normally in such situations, the most heated politics revolve around federal funds. The federal government does have a disaster relief budget in its normal funding, but it will only be able to scratch the surface of a recovery and rebuilding effort that will be required for the nation’s 4th largest city and surrounding areas. So, it will be up to the Texas congressional delegation to develop a proposal for a supplemental funding bill to shepherd through congress. As we have seen in the past, such supplemental appropriations bills can become controversial, and vehicles for all members of congress to try to attach their own pet pork-barrel spending proposals.
In the wake of Katrina in 2005, the Louisiana congressional delegation, led by then-Senators Mary Landrieu andDavid Vitter, swung for the fences, bringing forward an initial proposal for a massive $250 billion appropriation that included funding for things like $35 million in marketing funds for the state’s seafood industry, $8 million for alligator farms and a $40 billion request for the Army Corps of Engineers, which normally spends about $400 million in the state. This breathtaking money grab came after the George W. Bush Administration had worked with congressional leaders to push through $62 billion in Katrina-related recovery funding.
In the end, congress rejected that proposal, but did end up appropriating more than $120 billion in Katrina-related recovery funding in the years following the storm.
Twelve years later, now comes Hurricane Harvey, and a trail of devastation that is many times the size of the impact of Katrina. Partisan politics in the nation’s capital were already polarized in 2005, but the situation today makes the politics of a dozen years ago seem like patty-cake by comparison. A Texas delegation dominated by Republican members will have their work cut out for them in securing a supplemental appropriation that is sizable enough to truly help, and will need its Democrat members to work to secure vote from their own party, as many, many budget hawks in the GOP caucus will refuse to support any proposed legislation.
The Texas delegation will also need to strongly oppose efforts to turn a supplemental bill into a pork-barrel vehicle, as the national news media will be looking for any excuse to demonize members who represent a state that voted heavily for President Donald Trump. Things could get especially uncomfortable for Senator Ted Cruz if he decides to become a sponsor for a supplemental, as he strongly opposed the supplemental bill for relief efforts for the Northeastern U.S. in the wake of Hurricane Sandy.
But as is the case related to any disaster such as Harvey, opportunities present themselves as well. For example, the Texas delegation will have an opportunity to ally itself with the Louisiana delegation related to a supplemental, given that Harvey also caused widespread damage to the Eastern half of the Pelican State. Care will have to be taken not to revive some of the hair-brained pork barrel stuff that made its way into the Landrieu/Vitter Katrina bill in 2005, but the alliance of the two state delegations would help to build a strong base of support in congress.
For the Trump Administration, the opportunity relates to the President’s campaign promise of a national infrastructure spending bill. The President has often spoken of his desire for a bill in excess of $1 trillion over ten years to help rebuild the country’s decaying system of roads, bridges and other key infrastructure. The scale of the devastation in Texas and Louisiana from Harvey could serve as an anchoring point to the building out of a comprehensive national proposal.
Never have so many major “shovel-ready” infrastructure projects presented themselves in any region of this country at any single time as we are about to see manifesting themselves in Texas and Louisiana in the weeks to come. It’s still a little too soon for the politicians to begin talking about all of this now, but as the flood-waters recede and the true scope and scale of the devastation becomes visible to television cameras, the political gamesmanship will and should begin in earnest.
Just another day in everything is politics America.
My wife and I moved to Houston in June, 2004, at the insistence of the company I worked for at the time. For 18 years prior to that, we had lived and raised our children in Arlington, home of the Texas Rangers and, more recently, the Dallas Cowboys. We moved back to North Texas a year ago in order to be closer to our kids and grand kids, but during our dozen years in Houston, we developed a great and abiding love for that great city, which is now undergoing its worst flood event in modern times thanks to Hurricane Harvey.
Our move to Houston came just a few years after Tropical Storm Allison, the city’s previous record flood event, which made us mindful to select a home that lay outside the 100-year flood plain. A year after we relocated, Katrina devastated New Orleans, and Houston opened its generous arms to tens of thousands of that city’s displaced residents, many of whom became permanent Houston residents. Louisiana, San Antonio, Dallas and many other cities are returning that favor this week.
A few weeks later, we rode out Hurricane Rita as much of the city’s population needlessly evacuated, creating havoc on highways all over Texas. Since then, we also hunkered down through Hurricane Ike and a series of severe flooding events. Over those years and through those events, I learned a lot about how Houston works and doesn’t work, and developed a great deal of admiration for the area’s consistently high quality of leadership during such disasters. All of which is why it irritates me to no end to see Houston Mayor Sylvester Turner and Harris County Judge Ed Emmett getting criticized for their joint decision to not evacuate Houston and surrounding areas in advance of Hurricane’s Harvey’s landfall.
Much of the criticism emanates from the fact that Texas Governor Greg Abbott made a statement last Thursday morning in which he advised citizens from Corpus Christi up to Houston to get to higher ground. But in that same statement, he said he was leaving the ultimate decision on whether or not to issue a mandatory evacuation order up to Mayor Turner and Judge Emmett, which was appropriate. Sadly, much of the criticism directed at those two local leaders in recent days appears to be politically motivated, coming mainly from outsiders who know little about the situation on the ground.
Given Houston’s experience with Rita and Ike, along with other recent flooding events like the Memorial Day 2015 flood, both Turner – a Democrat – and Emmett – a Republican – agreed that the best course of action was not to evacuate, but to advise citizens to hunker down in place and keep the streets and freeways clear for search and rescue teams to operate if necessary. There are several reasons why this was a completely justifiable decision to make.
The first reason is the unpredictability of storms like Harvey. Even though forecasters were warning on Thursday that the storm could create the flooding we have since seen take place, we must remember that hurricanes are notorious for taking last-minute jogs to the north or south that render the projections of computer models laughably wrong.
That is what happened with Hurricane Rita in September of 2005. Coming just a few weeks after Katrina, most Houstonians panicked and evacuated the city, even those whose homes sat on high ground. The result was several hundred thousand cars on the roads trying to simultaneously leave the city that should have remained in their garages. The result was complete gridlock throughout the eastern half of the State of Texas. I knew one person who took 11 hours to make the drive from Alvin to Sugar Land, just 40 miles away, another couple who took 24 hours to make what is normally a 4 hour drive up to Dallas.
Hundreds of thousands of cars remained on these gridlocked roads when Rita made landfall, and had the storm remained on the course the computer models were projecting, a massive loss of human life could have taken place. Luckily for travelers stuck on the highways, Rita made a last-minute jog to the north and ended up going into deep East Texas and Louisiana instead. An attempt to evacuate 4 million people out of Houston on Thursday of last week could well have created a similar gridlocked situation as Harvey made landfall – there was no way to know.
When Hurricane Ike came through in 2008, again several hundred thousand Houstonians who would have been better off hunkering down decided to evacuate. Luckily, road improvements and contra-flow lane provisions enacted after Rita helped to make the gridlock related to Ike a shorter-timed event.
People need to understand this about Houston: it is not New Orleans, and comparisons being made between Katrina’s devastation of New Orleans and what Harvey is doing to Houston are asinine.
The first difference is one of scale: In 2005, New Orleans was a city of about 500,000 residents. There are 6 million people living today in the Houston metropolitan area. Estimates at the time were that it would have taken about 36 hours to fully evacuate New Orleans, had Mayor Ray Nagin and Governor Kathleen Blanco just acted in time. Unfortunately, they failed to do so, and disaster resulted.
The best estimates available today is that it would take four days to fully evacuate Houston and its surrounding suburbs. Obviously, Harvey developed so rapidly that Mayor Turner and Judge Emmett could never have made the call in time.
Then there is the landscape: Most of New Orleans lies below sea level, and the city has a long history of being inundated by significant hurricanes. Katrina was terrible, but far from unprecedented. In contrast, Houston is above sea-level. Its flooding issues mainly take place in the low-lying areas that lie near the many creeks, rivers and bayous that run through and around the city, but the vast majority of homes are in reality safe from even this current unprecedented flooding event.
Finally, Mayor Turner and Judge Emmett face a problem of communication – most people simply don’t listen. Local officials in 2005 were very clear in their pleas to Houstonians outside of the low-lying areas in danger from Rita to just stay home and ride out the storm. Hundreds of thousands of perfectly safe people either did not hear those pleas or ignored them. The same thing happened with Ike in 2008.
Thus, when faced with an option to try to advise only those in low-lying areas to evacuate, while pleading with everyone else to shelter in place, can we doubt that the Mayor and Judge knew what the likely result would be?
The reality here is that there was no “right” or “wrong” decision to be made last Thursday. Governor Abbott’s advice was perfectly sound, and so was the decision-making by Mayor Turner and Judge Emmett. It should be instructive to all the hindsight-judging critics out there that Governor Abbott and federal officials have all, to a person, steadfastly refused to criticize the decision not to order an evacuation despite having had multiple nationally-televised opportunities to do so.
Houston and its people are undergoing a major crisis right now, and officials at every level are doing everything they can to help address the situation. Criticism coming mainly from people who really know little about the facts on the ground just make their jobs harder, and it needs to stop.
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Don’t miss out on your 2018 State tax credit!
All CHA families and friends are encouraged to consider accessing this excellent program that allows for support of scholarship for CHA bound families and allows you to save money on your tax return. It’s a win-win!
Current contributions will allow for scholarships to be granted for the 2019-20 school year. In the 2018-19 school year, we received over 100 scholarship applications and we were able to grant only 10 scholarships. We hope to grant even more in 2019-20 school year, however that is dependant upon contribution funding. Thank you to everyone who has participated in the program thus far.
If you have any questions on how to fund your contribution, see the step by step instructions below. Please feel free to contact Tim Dinkelman at (847) 446-5252 with any questions you may have. To learn more about this program, please scroll down to see the original post with links to apply.
Thanks for your continued support and partnership with CHA.
There is a new opportunity to receive a tax credit on your state income taxes beginning in 2018 and fund scholarships for CHA families. Please learn more NOW or consult your tax professional ASAP to learn about the benefits of the new Invest in Kids program.
Credits are limited, apply today.
Each year (through 2023) $51 million in tax credits is available. Once the maximum tax credits are reserved each year, the program is closed by the Illinois Department of Revenue. This scholarship program could help CHA grow enrollment and allow you to receive a tax credit on your Illinois tax liability.
You will need a LETTER ID and ACTIVATE your MyTax Illinois account to claim your tax credits. The video below will also walk you through this process.
Once you receive your Letter ID and Activate your account, you’ll need to REQUEST your tax contribution credits on MyTax Illinois.
Once you reserve your tax credits, you will fund your CONTRIBUTION to the Children’s Tuition Fund of Illinois (ACSI’s Scholarship Granting Organization).
There is still time! Please contact Tim Dinkelman, 847 446-5252, for information, or email at [email protected].
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ProxiDiscs are stainless-steel proximal separator discs that help create space by adjusting tight contacts and by breaking through set cement, or by removing excess materials from interproximal areas. The smooth, round disc easily rolls through tight spaces. ProxiDiscs do not have serrated edges (“saw blades”) to protect enamel and tooth surfaces from the damage of a sawing action.
Diamond ProxiDiscs have a fine diamond-coating on one side and are smooth on the other. After breaking through cement it can quickly remove excess material while protecting enamel on the adjacent tooth. Diamond ProxiDiscs also enable easier placement of matrix bands.
Smooth ProxiDiscs are used to break contacts or to settle teeth when no removal of cement or enamel is desired. The thin, smooth disc easily slides between teeth.
ProxiDiscs are so easy to use. Using a firm rocking motion, simply roll the ProxiDisc through the contact area with pressure to gently remove excess material trapped in interproximal area without damaging the restoration or enamel on both teeth.
Unique design. Diamond-coating. Easy to use. Autoclavable. Centrix makes finishing and polishing easier.
What is the hole in the handle for?
It is to loop Dental floss through it, for the added safety for your patient.
ProxiDiscs® are designed for smoothing contacts or to remove excess bonding agents or cements.
Tie a safety loop of dental floss through the hole in the handle.
Choose the preferred disc, (smooth sides, or diamond coated where an abrasive effect is preferred).
Using a firm rocking motion, roll the ProxiDisc through the contact area with pressure to remove excess material trapped in tight interproximal area.
If additional removal of excess materials or tooth/enamel is required, move the ProxiDisc buccolingually until you feel the restoration settling onto the adjacent tooth as the abrasive diamond coating relieves the pressure.
After use, ProxiDiscs may be sterilized in autoclave or disinfected with appropriate disinfectant.
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Owned by Adelson and aligned with Netanyahu, Israel’s most-read newspaper has now devolved to actually making things up about Obama.
The pro-Netanyahu daily Israel Hayom has devoted itself to attacking the Iran nuclear deal in recent days. “A shameful surrender,” “Under Obama, Iran is becoming the regional superpower,” “Every new detail just proves how stupid and dangerous the deal is” — these are just some of the ways the paper’s columnists have described the deal in recent days.
But now, Israel Hayom, which is printed and distributed for free at a considerable loss by American casino mogul and Republican party bankroller Sheldon Adelson, is taking the battle beyond the editorial pages. On Sunday the paper ran a double-spread headline that stretched journalistic ethics to their limit, or rather, ignored them altogether. The headline read: “The deal will strengthen terrorism,” with the quote, attributed to President Obama, printed in huge white-on-black letters. The sub-headline read: “The nuclear deal will likely channel money to Iran’s Revolutionary Guard and The Quds Force.”.
SOPEL: But the net effect of lifting sanctions is that billions more will go to groups like Hezbollah, the Assad regime, and that is going to destabilize the region even more.
OBAMA: Well, keep in mind, first of all, we’ve shut off the pathways for Iran getting a nuclear weapon, which was priority number one. Because if Iran obtained a nuclear weapon, then they could cause all those same problems that you just listed with the protection of a nuclear bomb. And create much greater strategic challenges for the United States, for Israel, for our Gulf allies, for our European allies.
Second, it is true that by definition, in a negotiation and a deal like this, Iran gets something out of it. The sanctions regime that we put in place with the hope of the Brits, but also the Chinese and the Russians and others meant that they had funds that were frozen. They get those funds back. A large portion of those funds are going to have to be used for them to rebuild their economy.
That was the mandate that elected Rouhani. And the supreme leader is feeling pressure there. Does the IRGC [Revolutionary Guard] or the Quds Force have more resources? Probably, as the economy in Iran improves. But the challenge that we’ve had, when it comes to Hezbollah, for example, aiming rockets into Israel is not a shortage of resources.
Iran has shown itself to be willing, even in the midst of real hardship, to fund what they consider to be strategy priorities. The challenge is us making sure that we’ve got the interdiction capacity, the intelligence, that we are building a much stronger defense against some of these proxy wars and asymmetric efforts. And we’ve sent a clear message to the Iranians. We are settling the Iran deal, but we still have a big account that we’re going to have to work. Hopefully some of it diplomatically, if necessary some of it militarily.
One can agree with Obama or not. One can believe that the deal “will strengthen terrorism,” as the Israeli prime minister says. But, contrary to what the most widely-read paper in Israel told its readers Sunday, the president himself never said such a thing.
Only that the Israel Hayom report on the American president’s visit to his father’s homeland was headlined, “There is a reason my name is Barack Hussein,” leaving “Obama” out.
In the context of Israel’s political culture and lexicon, the juxtaposition of the fabricated quote onto the nuclear deal “promoting terrorism,” along with the “Hussein” headline, forges a fairly powerful message — one that plays into the hands of the more conspiracy theory-oriented corners of the national discourse.
Furthermore, Israel Hayom‘s decision is not bereft of racism; it is actually pretty common to hear racist references to Obama’s name or family history in Israel. Two of the more high-profile incidents included a racist Tweet (which was later deleted) by the wife of the deputy prime minister, Silvan Shalom. And of course there was also Ambassador Michael Oren’s infamous psychoanalysis of the president.
Recently, The Washington Post’s Colbert King warned of the possible damage to the relations between Jews and blacks in America because of the Israeli disdain for the first African-American president. “The ‘Obama Coffee’ insult, the rabbinical slurs and the below-the-belt punches of Israeli officials are so sad, dispiriting and potentially disrupting in ways that once seemed unimaginable,” King wrote. As the headlines in Israel Hayom show, Netanyahu and his supporters couldn’t care less.
Why are you reading Israel Hayom rather than writing your book?
Obama drives the Bibi crowd (its Likudist and Republican Party branches) absolutely nuts. Caroline Glick practically has a stroke every time she talks about Obama. How dare the Americans elect a smart, sophisticated, well-educated black guy to the presidency? Instead of, well, instead of an easily-manipulated, dumb-as-a-post, ill-educated white guy. The nerve of them! What were they thinking?! Twice! But hope springs eternal for another draft dodging, chicken hawk white moron in the presidency. Donald Trump.
The only one who sounds nutty and angry is you Benny.
Oh and there are white guys who are smart and educated and who are not left wing, Benny dear.
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These sweet toddler aprons simply state "Mommy's Lil' Helper." with a cute cupcake in the center of the text. The aprons are available in green apple, red, and pink. They fit smaller children, preferably toddler age up to 6. They are 100% cotton and measure 16" wide and 20" from neck to the bottom. They can be personalized for their birthday, holidays or everyday use.
If you have a custom request, please feel free to send me that request and we'll see if we can meet that request. Other options for the aprons could be embroidering child's name, initials, or other design that fits their personality.
When you order, please state in the buyer's notes what color thread you would like to use for the text and if you want to change the color of the cupcake, let me know that as well along with the color scheme you'd prefer. I have a few pictures listed of thread colors I have available.
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A trader I coach predicted this as the best positioning for Brexit : Short the pound, short the S&Ps, long gold and short oil. This is John B. – a guy with 20+ years of very successful experience and a recent history of working on separating instinct from impulse through coaching.
We speak three times a week. When we got on the phone during the last hour of trading on Thursday he confessed however to being “all twisted up” from Wednesday when he had gotten short then long and then short again! While he had arrived at the right positioning, on the way he got jumbled up. He really couldn’t tell what he felt and even if he did identify a feeling, he thought he felt the opposite a short time later.
Given the work he had been doing, his internal tornado was aggravating him more than the market. And /that/ is always a sign that the feelings run deeper than the trades.
When feelings are strong, they virtually always connect to issues or meaning that came before the current problem. As we explored, he realized that on one hand he feared being afraid – i.e. he didn’t want to get flat for fear of being weak and on the other hand, he feared being stupid – i.e. he wanted to get flat because he didn’t want to be wrong and feel like an idiot. The intensity of the previous jumble had been over having to choose between feeling weak versus feeling stupid – a choice he often felt as a boy. In other words, an echo of the past or what in my book Market Mind Games, I identify as the fractals of psychology.
Immediately upon recognizing the connection to these earlier feelings, he got clear. He was then able to make a risk management decision that has left him quite happy today. He feels neither weak nor stupid. He has more confidence in his market reads and his month doesn’t look so bad either!
This story exemplifies what it means to “Leverage EQ into the X Factor”.
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Students receive preference. Sign in and enter Student Union Events Center B at 6:30. No backpacks or large items please.
Thank you for registering for the November 18, 2015 talk by Consul General Gezer of the Republic of Turkey entitled "Turkey and the Middle East Refugee Crisis." For the talk only, admittance to the room will begin at 6:30. Please, no backpacks or other large bags.
As of February 2015, Turkey become the world’s biggest refugee hosting country with 2.1 million Syrian refugees, spending the equivalent of more than six billion dollars on direct assistance to refugees. Since the refugee crisis began in 2011, more than 4 million Syrians have fled their homes to escape the civil war, mostly to the neighboring countries of Turkey, Lebanon, Jordon, and Iraq.Beginning in early 2015, the numbers moving into Europe spiked dramatically, finally drawing the world’s attention to the extreme nature of the refugee issue. Consul General Gezer will discuss major issues of this humanitarian crisis and its implications for the future.
Join us for the dinner session at 5:30 pm to discuss the issues and challenges that have emerged from the Syrian civil war, particularly the seemingly ceaseless flood of refugees fleeing for their very lives. Turkey has been involved since the beginning of the crisis. Consul General Gezer will tell us what efforts have been made to provide refuge in Turkey and the prospects for the end to the violence.
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Should Maryland Commercial Property Owners Complete Tax Questionnaires?
The National Business Institute (NBI) is holding a two day conference on “Estate Planning A-Z” in Timonium, Maryland on May 9-10, 2018. The two-day comprehensive course is an ultimate guide to estate planning. From client intake through tax planning and business succession strategies, attendees will receive tips, sample forms and answers to the most pressing questions. The conference will also cover the latest knowledge on effective will and trust planning techniques.
Click here for the NBI conference overview and to REGISTER.
Mr. Lucas is an attorney in Miller, Miller & Canby’s Estates & Trusts and Business & Tax practice groups where he focuses his practice on Estate Planning, Trust and Estate Administration, Elder Law and Business Law. David is committed to providing his clients with a well-crafted estate plan so they may avoid probate, protect their assets and legacies, and provide for the security of their loved ones. He takes a special interest in ensuring that the dreams parents have for their children and grandchildren are not lost to taxes, poor planning, or procrastination. He speaks frequently on a variety of estate planning topics to both the general public and private groups.
For more information about Miller, Miller & Canby’s Estates & Trusts and Business & Tax Practices, click here or contact David at 301-762-5212.
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As part of the repair process, it may sometimes be necessary to re-format the computer’s internal or external hard disc drive(s) and/or to re-install the Microsoft Windows® operating system (or similar). Both these procedures are carried out only as a last resort and after PCSimple has attempted all other means of repair.
All data, regarded by the customer as either required, important and/or critical, should be backed up (saved to another hard disc drive or to removable media, for example, a CD-R or DVD-R disc) prior to any such re-installation of software such as Microsoft Windows®, or the re-formatting of your computer’s internal or external hard disc drive(s). Re-formatting of the hard disc drive(s) means that all data will have been erased. The computer will have been returned to “Factory Settings” after re-installing Microsoft Windows® in other words, to the state it was in when it left the manufacturing facility. The backed-up data can then be re-installed on the computer.
Computer data can be lost for a number of reasons: for example, problems affecting the computer’s internal or external hard disc drive(s), by a virus or spyware infection, corruption of data files and/or folders. The only effective safeguard against the risks associated with loss of data is to maintain a regular and systematic backup procedure. PCSimple will be pleased to advise on this.
For PCSimple Ltd, the protection of a customer’s personal or business data is a matter of course. PCSimple Ltd ensures that all its managers, engineers and field technicians observe the standards of the Data Protection Act 1998 and act in accordance with the regulations contained therein.
Personal data contained on, or transferred from, PCs, terminals and hard drives or disks shall, at all times, be processed fairly and lawfully and anonymised.
With the exception of a customer’s personal contact details and the details of all transactions with PCSimple Ltd, all other data, however sourced and necessarily held on our computers or external hard drives or disks during the execution of the works, shall be deleted, using a secure format, on completion of the works.
PCSimple Ltd is careful to protect personal data and the details of any transactions a customer makes with us over the Internet.
Our No-Fix-No-Fee policy means simply that if PCSimple does not possess the necessary technical knowledge or ability to resolve the problem or effect the repair, then no charge is made.
When the customer requests PCSimple not to proceed with a repair which it is able to effect to resolve the problem.
When PCSimple is able to resolve the problem, or effect the repair, but the customer does not possess the required software disc or product key. If the computer’s Operating System is to be re-installed, the customer must provide PCSimple with an original licensed Operating System disc and a valid Product Key.
When PCSimple provides a clear and precise diagnosis of a failed component but the customer decides not to proceed with the replacement.
The policy does not apply to data recovery, virus or spyware problems, issues with third parties or to cases in which the computer suffered from power surges.
PCSimple accepts no responsibility for loss of computer data, however caused, including any alleged loss occurring during data recovery.
Where practical, PCSimple can visit a customer’s premises and attempt to fix the problem on-site. In some cases, PCSimple may need to take computers back to the workshop for specific parts to be fitted.
All hardware repairs and services, but specifically excluding software services, are supplied with a 4-week warranty. In any case, PCSimple Ltd will review the issue and apply a fair expectation policy.
Motherboards, memory and processors must be returned within 7 days for refund. All other items that are returned or exchanged for different items are subject to a 5% restocking fee.
We may, at our discretion only, waive the restocking fee provided the item is returned with non-ripped packaging in un-used condition. Items must be returned with a receipt. No returns or refunds on consumable items, printer cartridges, services, or items returned incomplete or without original packaging. Our returns policy only applies where you have changed your mind on goods, in the rare case that we have sold you faulty or misdescribed goods your Sale of Goods rights to a refund or replacement are not affected”.
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EUROPEAN HOME STAGING CONFERENCE & EXPO!
Join industry colleagues from around the world for this power-packed one day Conference!
It is going to be a day filled with great learning and motivation.
Register now and RAISE THE BAR for your business!
We are thrilled to have Barb Schwarz featured at this inaugural IAHSP® EUROPE CONFERENCE.
She will inspire, energize and motivate you!
The Creator of Home Staging® and the Founder of IAHSP®!
Our speakers are TOP industry professionals.
We have compiled topics that will help you bring your business to the next level.
Home Staging is an established and successful industry in the United States.
What is the current reality of Home Staging in Europe?
The Presidents of the IAHSP® Affiliate Associations will help us acquire a clearer vision.
We are honored to host the first of its kind event on the Old Continent!
Our IAHSP® European Director has done an amazing job organizing what is sure to be a highly educational and memorable event!
IAHSP® is the industry governing and regulating Association and has approved the following European Home Staging Courses based on the quality of the educational standards.
We will have the pleasure to hear the founders of the Approved Home Staging Courses speak.
(gives you full year membership in IAHSP®).
Note: Nominal Processing fees apply for all ticket types.
Your attendance includes all the educational sessions, lunch and coffee breaks, as well as a post-event cocktail reception Meet & Greet with Barb!
We invite companies and individuals that serve the Home Staging Industry to sponsor this premier event!
Receive premium exposure to all attendees, promoted on all social media sites with a marketing campaign throughout the year.
Ability to speak at the event to share about your company, products and services. Display space provided.
If you have questions about the IAHSP® 2018 Rome Expo Conference, just send us an e-mail at [email protected] otherwise please use the form below.
IAHSP® is pleased to welcome the following Europe Home Staging Associations as official affiliates of The International Association of Home Staging Professionals®.
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Lunch today was Subway veggie sandwich and yogurt, and the song is Cold as Ice by Foreigner. Good song to cool us off before the rains come. The drive to the Christy Chapel Cemetery is a little difficult. I went down Airport road to CR 400. That was definitely not the best way. I didn’t realize that 400 runs into 39. So, I think the better way would be to go west on SR 39 to CR 400 and turn left. The cemetery is shortly after you cross township road 301.
This entry was posted in Cemetery Information, Cemetery Photos, Lunch and a Cemetery, Monroe Township and tagged Amish Country, cemeteries, cemetery, Christy Chapel, Holmes County Cemetery, Holmes County District Public Library, Monroe Township. Bookmark the permalink.
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Perhaps one of the more iconic trees growing next to older homes in east Texas is a fig tree. Figs are one of the first fruits planted by settlers. Figs are also mentioned numerous times in the Bible.
If you are looking for a great addition to your landscape that can be expected to produce, consider figs. When planted in a good location, figs can thrive and do exceedingly well for many years.
My dear friend, Jan Knox makes some of the best fig preserves I’ve had. She and her husband Aubrey have a wonderful fig tree at their residence south of Lufkin. It’s about fifteen feet tall and bears a crop annually.
When choosing a site for figs, select an area that has sun for most of the day. Although figs can be grown in all types of soil, they do not tolerate poorly drained sites. Avoid sites and soils where water stands for more than 24 hours after a rain. In areas of poor drainage, roots receive insufficient oxygen, which results in stunted growth and eventual death of the tree. If you already have a fig tree and it survived the water-soaked soil earlier this year, then you are probably in the clear.
There are three more commonly recommended varieties for this area. ‘Celeste,’ which is the most cold hardy, and is very productive. ‘Texas Everbearing’ is another common, hardy variety with large early fruit. ‘Brown Turkey,’ is another old favorite that does well. These last two can sometimes be injured in freezes, but come back to bearing quickly.
Soil moisture must be managed carefully because most roots of the fig trees are close to the soil surface and can easily dry out. Figs are very susceptible to soil-borne nematodes that feed on small roots and reduce water movement into the tree. For these reasons, apply water to the trees as drought develops. Slight leaf wilting in the afternoon is a good indication of water stress.
Mulching with straw or grass clippings helps maintain uniform soil moisture and reduces weed competition for available soil water. Water stress frequently causes premature fruit drop of Texas fig varieties which do not have true seeds. This problem is very common in hot, dry areas when the fig tree is grown in shallow soil and roots are nematode infested.
Trees planted in shallow sites are subject to injury or death when the soil is saturated with water. Good water management, including regular irrigation and mulching, helps maintain tree health and vigor and reduces fruit drop.
Jan’s fig tree produces about approximately 50 pints of fig preserves each year depending on whether she preserves them whole or mashed.
She has been gracious enough to share the recipe below that she got from her mother, Polly Bonds, who taught Jan how to cook.
For each quart of figs to be preserved, you’ll need 2 Tbs. baking soda and 3 cups boiling water to cover.
First, sort the fruit and cut off the stems.
Then you rinse the figs and cover with the baking soda and boiling water. Jan dissolves the baking soda in the boiling water and then pours it over the figs. Let sit approximately 5 minutes. Drain and rinse well with cool water.
Next, in a very large pot or Dutch oven, bring syrup to boil. When at a boil, add prepared figs and cook on slow boil until desired tenderness and thickness of syrup. Ripeness of figs determines length. Do not overcook or figs will be hard.
Lastly, pack in hot sterilized jars while figs are still simmering. Be sure to wipe any fruit bits or juice from top rim of jars so they will seal well. Add the lids and seal. Then let cool and enjoy.
Jan did share a jar with of me last year and I can attest they were outstanding.
Next Article Boots & Brew tickets on sale soon!
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With personal advice we are happy to assist you in your event in the field of decoration.
For over 30 years we have been producing products for interior and exterior decoration.
Extensive warehousing ensures a wide choice and fast delivery.
With high-quality printing machines, we will meet your individual needs.
Our creative department supports you in special projects.
For gardeners and florists, we have decorative products and planters, also with individual cheating ready.
Seasonal labels and accessories to enhance your product range, we offer a rich selection.
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All Bank of Canada exchange rates are indicative rates only, Currency.
Foreign currency converter and exchange rates from HSBC Canada. Foreign Exchange Rates. Copyright HSBC Bank Canada. ALL RIGHTS.
Bank of Canada historical exchange rates. Foreign exchange transfers often bring a lot of questions. See a list of questions our customers ask most often.
FOREIGN EXCHANGE OUTLOOK Core Exchange Rates. 3 March 2017 expect the Bank of Canada (BoC).
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Are you ready to join DXN USA and enjoy the benefits of DXN membership?
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B. Do you live in the USA, but not have social security card?
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A few years ago I did a lot of programming, and I have just recently decided to get back into it. However, I have been attempting to use the "GUI.CloseWindow" command, and it has not been working very well. Every time that I select "Exit" in my program, an error box pops up saying "(wdgtmod.tu,212) Unopened or closed stream passed to 'setactive'"
I know that I figured out how to fix this before, but I am a little lost now. Does anyone else know?
well what does your "exit" code do?
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New Windsor, MD was first developed in 1797, due to its historic past this town is home to a diverse mix of unique historic and modern architecture. New Windsor offers its residents a small town atmosphere, but with all the of the 21st century amenities we have come to love. The pest control experts at American Pest have been protecting homes and properties located in Maryland and the greater D.C. area for over 90 years. Whether your home or business is of historic nature or it is a new build, we have a solution to protect it from invasive and damaging pests. Our highly trained professionals in conjunction with our green and modern pest control solutions can eliminate and control any pest and any size pest infestation. Contact American Pest today to learn more about any of our effective and affordable pest control solutions.
Protect your New Windsor home from pests like ants, spiders, pantry pests, roaches, beetles, mice and other critters that want to call your home their home and use it for a place to live, sleep, and eat, with the help of the professionals here at American Pest. We offer three different year-round home pest control plans each offering seasonal (4 per year) treatment visits to protect your home from over 30 common household pests, the sealing of entry points found around your home, and rodent monitoring and control services.
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Termites are a frustrating problem for any New Windsor property owner. They enter homes or businesses “silently” and can remain undetected for weeks, months, or in extreme cases years; with each mouthful of structural wood that the termites consume leading to costly damage to your property. At American Pest, we protect properties from termites by first performing a thorough termite inspection by one of our experienced and knowledgeable termite inspectors. We will then install the Sentricon® System with Always Active™, a highly effective, eco-friendly system that utilizes discreet bait stations which begin working immediately eliminating the entire termite colony (including the queen) and therefore completely eliminating the entire infestation. After the original infestation is taken care of the system remains in place and is routinely monitored and maintained by our professionals to prevent new termite infestations. Contact American Pest today to start protecting your New Windsor property from termites.
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Contact American Pest today to put into place our stink bug remediation service and prevent stink bugs from using your home as their overwintering retreat this upcoming winter season!
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Chinese Taipei is one of the most significant destinations for unprocessed marble worldwide. However, imports have been substantially decreased during the last years.
Stonenews.eu, having researched the statistic reports of the International Trade Centre and the National Statistical Institutes, presents the variation of Chinese Taipei’s unprocessed marble exports during 2016-2017 as well as the value and quantity shares in 2017.
Chinese Taipei, from 2001 to 2014 was showing great increase in unprocessed marble imports. Apparently, between 2001 and 2014 the value of imports was increased +522%, the quantity +230% and the price per ton +88%. However, since 2015 it has been on a declining path showing a severe decrease in value and quantity.
In 2017, Chinese Taipei imported unprocessed marble with higher price per ton by 17,8% in comparison with 2016, showing a +12,1% increase in value and a -4,84% in quantity.
The table below presents the ten main countries from which Chinese Taipei imported unprocessed marble according to the shares of imports value in 2017.
As shown in the table above, in 2017 Chinese Taipei imported unprocessed marble at higher price per ton compared to 2016: from Greece +46,32%, from Italy +39,36%, from Indonesia +27,68%, from Vietnam +23,64%, from Portugal +23,24%, from Morocco +22,98%, from Iran +14,92%, from Turkey +9,61% and from China +7,33%. The only country from which it imported at a lower price per ton was India with -7,64%.
Chinese Taipei imported unprocessed marble from 24 countries in 2017. 72,5% from the imports value was under 251511* tariff code, 27,2% under 251512* and the rest 0,3% under 251520*.
Previous articleWhat lies ahead for the UK construction industry in the wake of Carillion?
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AMMAN — Orange Jordan recently held its second point of sale competition across the Kingdom, which aims to reward its best-achieving dealers.
The competition concluded with a closing ceremony at Orange Jordan’s City Centre headquarter building, with the attendance of Orange Jordan CEO Jérôme Hénique and Indirect & Proactive Sales Director at Orange Jordan Samer Al Haj. One winner from each region was awarded for achieving the highest sales rates of Orange Jordan’s products and services. The winners were presented with a car, in addition to other prizes.
“We are happy to conclude our second point of sale competition, and we are very proud of our partners and would like to congratulate them on their continuous hard work, effort and dedication to our brand,” Hénique said.
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Written for the Pacific Lutheran University Choir of the West, Richard Nance, conductor, for their performance at the 2013 American Choral Directors Association National Conference.
Program Note: Though the original text source of Exsultate is unknown, Mozart’s well-known setting (K. 165) dates this particular version to the mid-18th century. Somewhat of a pastiche of psalm fragments, the text is one of celebration and ecstatic praise. This setting employs only the first stanza of the text, and is written for eight-part chorus.
The setting opens with a dramatic fanfare that serves as a ritornello-type pillar in the work. It twice returns—in the middle and at the end—but rhythmic expansion and contraction makes each return slightly different. Close vertical dissonances and sharp interjections serve as a musical representation of the euphoria of grand celebration. In the intermediate sections, fluid chant lines and the exchange of softer and slower statements between the women and men provide contrast to the highly rhythmic and driving festivity of the fanfares.
Exsulate is now published by Walton Music. Click here to view the publisher page and order through GIA Music Publications.
Rejoice, sing joyfully to God!
the heavens sing with me!
from which our hearts sigh.
This entry was posted in Advanced (Univ./Prof.), Choral, Sacred, SATB a cappella and tagged Brian Edward Galante, Sacred by Brian Galante. Bookmark the permalink.
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free fender deluxe hard case w/ the buy it now!
a whole lotta bang for the buck!fender deluxe hardshell case included with buy it now price! normally comes with gigbag...you are looking at a 2012 fender american special telecaster, in a vintage white finish with a maple fretboard. she is loaded with texas special pickups and weighs only 8 lbs! this sweet axe is 100% unplayed and unmessed with, all original, and ready to rock!
case: fender hardshell case included w/ buy it now price! otherwise it will be shipped in a gig bag.
she was born just several months ago and she is perfect! the plastic is still on the pickguard. needless to say, there are no nicks, dings, or scratches, the neck is straight and true, the frets are untouched with the exception of my testing her out before writing this ad, and she plays like a beast! i will include the fender hardshell case with the buy it now price. otherwise i will ship it in a fender gigbag. all of the original candy which is unopened is also included with the auction! whoever wins this sweet guitar is not going to be disappointed!
while you're here, go ahead and take a look at my otherauctions! thank you so much for looking!!
me?: i have a 100% positive feedback record and intend to keep it thatway! so please don't worry!?? i am not an authorized dealer of any kind,however, i do receive some brand new guitars from authorized dealers.subsequently, i do not offer factory warranties with any of my guitars,but the ones listed as new really are brand new.
shipping?: shippingwill be paid by the buyer at a flat rate of $49 to any of the lower 48 u.s states. this includes fullinsurance. also note; if you pay immediately... i ship immediately. thereare no double standards here! i'm as anxious for you to receive your newguitar as you are! i generally use ups for shipments within the usa and uspsfor international shipments.
you may pay through pay pal ~ but please be completely registered with pay pal prior to the end of the auction. the buyer will be responsible for the higher international shipping fees and customs fees associated with this transaction. you may check with your local customs office to learn what these fees entail. do not calculate yor shipping, i will calculate and send you an invoice for the correctshipping amount. i assure you i will provide the most affordableoptions available.
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I’ve received a number of requests about recordings and / or slides from the Changing Worlds – Can Education Adapt to a net Generation – so – here is a link to the presentation (PDF format – 6.5mb).
Lyn tells me a recording has been made and will be available soon on the UTS website – I’ll create a link when it’s available. Unfortunately I wasn’t able to attend – but the word around campus is…it was a really thought provoking session!
Changing Worlds – Can Education Adapt to a Net Generation?
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Democratic Sen. Heidi Heitkamp is taking heat for her refusal to "crack down on dangerous sanctuary cities” in an ad released Tuesday.
President Donald Trump proclaimed as he spoke to the United Nations General Assembly in New York on Tuesday that he does not like that “OPEC and OPEC nations are, as usual, ripping off the rest of the world.
Sen. Ted Cruz called for keeping pre-existing condition coverage during Friday night’s debate while slamming Democrat opponent Rep. Beto O’Rourke for voting to keep Obamacare despite rising insurance premiums.
U.S. trade officials are extending Chinese officials yet another opportunity to negotiate trade before levying additional tariffs on hundreds of billions in Chinese goods, according to a new report.
U.S. trade officials hope to strengthen trade ties with the U.K. as the country moves into a post-Brexit position after recent meetings between officials from both nations.
Vice President Mike Pence emphasized in a Tuesday ceremony the importance of ensuring those born after September 11, 2001 know what happened and why their fellow Americans were callously murdered by Islamic terrorists that day.
A new letter from North Korean Leader Kim Jong-un to U.S. President Donald Trump sought to renew plans for a second meeting between the two leaders, and those plans are now in motion, White House Press Secretary Sarah Sanders told reporters Monday.
Former President Barack Obama is campaigning for seven, but not all, of the Democratic House candidates he is backing in California Saturday.
Former Deputy Assistant to the President Dr. Sebastian Gorka explained at a Friday Angel Families rally in Washington, DC, that without any borders in the Western hemisphere, “the word 'America' ceases to have meaning.
President Donald Trump referenced the illegal alien charged with killing Iowa college student Mollie Tibbetts, telling supporters in West Virginia it should never have happened, immigration laws are a disgrace, and they need to elect more Republicans.
First Lady Melania Trump’s office announced Monday that she will be making her first trip to Africa to educate herself on issues facing children there and to highlight successful humanitarian work.
President Donald Trump heralded new Bureau of Labor Statistics (BLS) data Friday morning, which show youth unemployment at a more than 50-year low.
President Donald Trump will hold a get out the vote campaign rally for Patrick Morrissey on August 21 in West Virginia.
President Donald Trump pressed for even more U.S. LNG exports to Europe via pipeline as he stood aside Italian Prime Minister Giuseppe Conte at the White House on Monday.
Vice President Mike Pence campaigned for Republican congressional candidate Troy Balderson in Ohio Monday, telling a crowd of several hundred that Democratic opponent Danny O’Connor would join Minority Leader Nancy Pelosi in giving them “fewer jobs, fewer opportunities, more government, and more taxes.
Prime U.S. Immigration and Customs Enforcement (ICE) contractors have thrown $215,000 dollars into the California Democratic Party during the past year despite visceral opposition to the government immigration agency.
Rep. Paul Gosar (R-AZ) described fellow Rep. Martha McSally (R-AZ) as “unreliable” on Wednesday’s edition of Breitbart News Tonight as he explained why he endorsed Dr. Kelli Ward for U.S.
Companies and associations gathered with President Donald Trump, Ivanka Trump, and American workers at the White House Thursday to announce pledges to provide on-the-job and vocational training to nearly four million workers over the next five years.
San Francisco voters and as of Monday the city’s Department of Elections, have given non-U.S. citizens voting privileges in their city.
President Donald Trump again slammed the “Fake News” on Sunday, this time for not highlighting North Korea concessions to the United States.
President Donald Trump rebuked a reporter who asked if he is giving Russian President Vladimir Putin an “upper hand” ahead of their meetings on Monday, telling the reporter during a Friday press conference in the U.K.
President Donald Trump characterized Russian President Vladimir Putin as a “competitor” ahead of a July 16 bilateral meeting between the two in Helsinki, Finland.
President Donald Trump refuted European Council President Donald Tusk’s Tuesday slam about the number of America’s allies as Trump took off for this week’s NATO summit.
President Donald Trump took another swipe at NATO countries and European Union trade barriers just before flying out from the White House Tuesday, indicating they will “work something out” at the NATO summit in Brussels, Belgium, this week.
President Donald Trump interjected on Monday in the debate about the state of recent Korean peninsula denuclearization negotiations between the U.S. and North Korea, pointing again to China's influence.
President Donald Trump pressed Germany to increase spending on NATO and jabbed the European Union trade barriers on the United States on Monday ahead of this week’s NATO summit in Brussels.
President Donald Trump,in a series of Thursday morning tweets, called on Congress to send all illegal aliens home without “long and costly” trials. “FIX OUR INSANE IMMIGRATION LAWS NOW!” he urged Congress.
President Donald Trump predicted a “surprise” in the West Virginia U.S. Senate race on Tuesday night, calling the candidate incredibly energetic, strong, and someone who loves the people of his state.
President Donald Trump coupled Rep. Maxine Waters with Democrat Leader Nancy Pelosi as the “FACE of the Democrat Party," predicting Tuesday that Waters’ "ranting and raving" will alienate people from her Party.
President Donald Trump met with four “outstanding” potential U.S. Supreme Court nominees Monday morning at the White House, telling the press that afternoon that he has plans to meet with two or three more before making a decision.
White House Press Secretary Sarah Sanders announced during Monday’s press briefing that U.S. Secretary of State Mike Pompeo would be heading back to North Korea on Thursday, July 5 for meetings with North Korean leader Kim Jong-un on denuclearization of the Korean peninsula.
Vice President Mike Pence traveled to Brazil on Tuesday with a warning message for Central Americans thinking of coming to the United States or sending their children with smugglers, “If you can’t come legally, don’t come at all.
Angel mom Mary Ann Mendoza remains “inspired” by the son who was killed by an illegal alien drunk driver, overcoming tweets that accused angel parents of being paid to appear with President Donald Trump by helping other Americans, she told Breitbart News in an exclusive interview.
Hundreds of kids and teens began chanting “USA! USA!” as First Lady Melania Trump concluded a speech Sunday night at the annual Students Against Destructive Decisions (SADD) in Virginia.
Congressional candidate and current South Carolina State Rep. Katie Arrington sustained major injuries and required surgery after a car driving the wrong direction crashed into the car in which she was a passenger, law enforcement officials say.
Steve Ronnebeck called out the media during a Friday afternoon White House event hosted by President Donald Trump, telling cameras and law enforcement gathered that he wished the media had the integrity that the President and other administration officials have.
Thousands cheered President Donald Trump in a Minnesota stadium Wednesday night as he blasted the media for avoiding coverage of Americans who have lost loved ones to illegal alien crime.
California’s assisted suicide law was temporarily reinstated on Friday despite a lower court judge ruling the law unconstitutional last month.
The Chinese government retaliated against the United States with matching tax penalties to tariffs the United States announced Friday would be levied on Chinese goods.
President Donald Trump strongly affirmed on a surprise Friday morning Fox News appearance he would "certainly" not sign a "more moderate" Republican immigration bill that Speaker Paul Ryan is pushing in Congress.
White House Press Secretary Sarah Sanders did not offer an endorsement of any immigration bills when asked during Thursday’s press conference about two Republican immigration bills including Speaker Paul Ryan’s new bill that offers a form of amnesty.
First Lady Melania Trump emphasized protecting the “most vulnerable” on Monday, issuing a statement in support of new Department of Health and Human Services (HHS) information on accessing state help for treating babies born to opioid-addicted mothers.
First Lady Melania Trump appeared at Ford’s Theater’s annual gala on Sunday night just two days after her husband President Donald Trump smashed conspiracy theories over why she would not be traveling with him to Canada and Singapore.
Filmmaker and conservative author Dinesh D’Souza explained the “gangsterization of American politics,” using his own conviction under Obama and his pardon under Trump in a speech to Road to Majority conference attendees in Washington, DC, on Saturday.
Sen. Marco Rubio’s Road to Majority conference speech on Thursday hinted heavily toward his criticism of the Trump administration’s negotiations with China, warning that American children could inherit a world dominated by the Asian power.
Leading congressional candidate Diane Harkey told Breitbart News that she was “cautiously optimistic” about her commanding early lead in Tuesday’s primary election to replace Rep. Darrell Issa in Congress and expects a very tough and “probably extremely nasty” general election ahead.
President Donald Trump presided over a brief White House south lawn ceremony honoring the United States and military men and women on Tuesday in lieu of a previously planned event that members of the Philadelphia Eagles dropped out of.
First Lady Melania Trump reminded Americans Monday night of the “selfless sacrifice” of military men and women who have given their lives so that we can live in freedom, leaving their own Gold Star family members behind, like those she and husband Donald Trump hosted at the White House.
President Donald Trump revealed Monday evening that some of the Super Bowl champion Philadelphia Eagles refused to stand for the National Anthem at a Tuesday White House event that was scheduled in their honor, leading the President to cancel their appearance.
First Lady Melania Trump’s Communications Director Stephanie Grisham condemned a "disgusting" Monday tweet from Atlantic Senior Editor David Frum containing a hypothetical situation with President Donald Trump hitting his wife.
First Lady Melania Trump is scheduled to make her first public appearance since undergoing a kidney procedure in early May, hosting Gold Star families at a Monday Gold Star Families Memorial Day Reception alongside husband President Donald Trump.
President Donald Trump spoke with Canadian Prime Minister Justin Trudeau on Thursday, the day that the United States announced tariffs on Canada and told Trudeau that there would be a “fair deal” or “no deal at all” on NAFTA.
The United States ended a delay of steel and aluminum tariffs for the European Union, Canada, and Mexico with aproclamationon Thursday.
The San Diego County Sheriff’s Department has released over half the people U.S. Immigration and Customs Enforcement (ICE) requested since California’s "sanctuary state" law took effect in January.
Israeli Ambassador to the United States Ron Dermer, at an event celebrating Israel’s 70 years of independence Monday night in Washington, DC, praised and awarded a medal to President Donald Trump for recognition of Jerusalem as the capital of Israel, moving the U.S.
National Economic Council Director Larry Kudlow revealed to Breitbart News Saturday listeners on SiriusXM Patriot 125 that U.S.-China trade talks will continue in D.C. next Thursday and Friday with hope for a “good deal” and the possibility that stronger measures could be required if China does not permit that.
"Melania" was among the top five baby names in rising popularity last year, the first year of Melania Trump’s time as first lady of the United States.
Nominee for CIA Director, Gina Haspel pledged to never restart a CIA interrogations program as she sat before a panel of Senators grilling her in Senate Intelligence Committee confirmation hearings on Wednesday.
U.S. Secretary of State Mike Pompeo traveled to North Korea on Tuesday and is expected to return from the trip with three U.S. prisoners of North Korea ahead of the U.S.
Five top Trump administration officials are returning from two days of trade meetings with officials in China, bringing with them the message that the administration needs to give “immediate attention” to changing the U.S.
During Thursday’s White House press briefing, Press Secretary Sarah Sanders could not “confirm the validity” of Wednesday media reports that three U.S. prisoners of North Korea had been released.
President Donald Trump presided over a National Day of Prayer event in the White House Rose Garden for the second year, pledging at the Thursday morning gathering to protect religious liberty all across America.
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Leading facilities management provider EMCOR UK is delighted to announce it has been awarded a new contract by Hampshire County Council that extends the maintenance services EMCOR UK has been providing for 20+ years. The contract is to provide comprehensive maintenance services for 620+ diverse buildings across West Hampshire and the Isle of Wight, for a duration of five years with an option to extend for five years, and commenced 1 August 2017.
EMCOR UK will be responsible for a wide range of collaborative work with Hampshire County Council, performing planned and reactive maintenance services on its diverse portfolio of properties including offices, schools, residential care and nursing care homes, museums, recreational centres, and fire and police stations. The scope of maintenance work includes all mechanical plant, electrical power distribution and lighting systems, catering equipment, water treatment, swimming pools, and fire and security systems.
To manage the maintenance of such a complex portfolio of properties, EMCOR UK will deploy its bespoke management application (app) for engineers to use on their mobile phones or tablets. The app is designed to help ensure that communication, productivity, and the allocation of work to its mobile workforce is highly efficient. The EMCOR UK facilities management team will use data collated from the app to continually improve performance and efficiencies throughout the duration of the contract.
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Here are three real-life stories of young people on the road to radicalisation who have turned their lives round due to help and support from the Channel programme and Prevent.
Kamran is 14 and from the West Midlands. Social workers picked up on comments he made in support of Osama Bin Laden, joining Daesh and killing Americans. His school were aware of wider communication and behavioural difficulties, including autism. His mother was also very ill, and he had unsupervised access to the internet.
The local authority referred Kamran to the Channel programme and with the consent of his parents he was taken on as a case and given a mentor, Daud, who was a youth worker.
Daud, as well as encouraging Kamran’s passion for football, talked with him about Islamic teachings and accompanied him to the mosque. He helped Kamran see the positive aspects of being the only Muslim pupil at the school, and explored the possibility of holding an Islamic awareness day. Daud worked with Kamran’s parents to build family relationships and manage internet usage, while the Channel programme organised for local Prevent officers to raise awareness of extremism and radicalisation at Kamran’s school.
Over a period of time, there was a steady improvement in Kamran’s behaviour at school and at home. Kamran no longer made extremist statements and learned to speak to his father if he saw something that he did not understand. Kamran’s school even decided to make him a school ambassador so he can act as a role model and advocate for other students.
Yusuf is 24 and a postgraduate student at university. A university staff member, Claire, saw Yusuf in the town centre handing out leaflets for an education charity. She took a leaflet although he was initially reluctant to hand one over.
Later at home, Claire looked at the organisation online – it had a very well-constructed site but their aims and objectives seemed a little vague. After following several links, Claire was directed to an extremist website which promoted violence and homophobia. She reported this to the Prevent coordinator at the university, who contacted the police.
Previous concerns had been highlighted about Yusuf’s behaviour in the university as he had become reclusive and on occasion very argumentative. The Student Services and Channel police officers determined, after interviewing him, that he was at risk of radicalisation. He was open about the fact that over the past six months he had been ‘befriended’ by older men at his mosque who were known to have extremist beliefs.
His mainstream religious views were gradually eroded and he had started to identify with an extremist ideology. Yusuf accepted support from Channel and Student Services, including chaplaincy and psychological provision. This support was provided for a year, until it was decided that Yusuf was no longer at risk. He went on to successfully complete his studies and has started a PhD.
Callum is a teenager from Luton. His teacher, Ruth, was told by another student that Callum had been promoting a Facebook page for a group called the Young Patriots. Ruth saw that the site contained violent language and links to extreme right-wing sites. When asked about the site, Callum said that he didn’t have a problem with other races in general, just Muslims because they were not like “us”.
He added that when he attended football matches, he’d walk to the ground through a predominantly Muslim area and see them “doing their Sharia law”. Ruth asked him what that meant and Callum gave a confused answer about no-go areas.
Callum had met people at football matches who involved him in the Young Patriots Facebook page. He liked the attention and told his teachers excitedly about being invited to “secret” group meetings in pubs before and after games, without his parents. The school safeguarding lead reported the concern to a police liaison officer who confirmed that the Young Patriots site contained highly racist material and would need to be closed down.
Although Callum had distanced himself from his family and friends, they were able to convince him to talk to a social care worker recommended by the police liaison officer. It was quickly evident that Callum didn’t understand the ideology of the group he’d linked himself to but he did have other personal worries, including finding work when he left school. The school’s careers manager looked at future career options with Callum, including working for and with the Muslim community.
Outside of school, Callum agreed to attend an ethnically diverse youth group that gave him confidence in socialising with his own age group. An uncle and cousin started taking him to football matches so he had routine, role models, and the family bond that was so important to him.
It was later discovered that Callum had a flare which he’d intended to take on a march. The action taken by Ruth meant he was able to move forward positively and that others were protected from any violence he may have committed.
A resource hub about far-right extremism featuring films, guides and practical guidance from across Europe.
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DJ Rolux-Fox Live at Supportico Lopez July 15 2015. No Copyright 2015 ROLUX.ORG. No rights reserved.
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Part of snom’s 7xx series phone portfolio, the snom 710 joins the snom 720 and snom 760 to form a state-of-the-art line of full-featured IP desktop phones for small or large scale deployments in a multitude of business scenarios. Supporting four SIP identities and blending an elegant utilitarian design for high usability with high performance and affordability, the snom 710 delivers a rich set of everyday business telephony features critical to today’s real-time, information-driven business workforce. Blending rich features and assured performance with usability and affordability, the snom 710 is the right choice for organizations with large business needs but a small business budget. The snom 710 desktop phone – a standout in its class with superior voice quality, rich features and user-friendly design all delivered at an affordable price.
The newest addition to the snom product portfolio is the company fourth generation SIP-based phone the snom 821. The VoIP handset sets a new standard for design innovation and business-class performance blending a sleek, cutting-edge look with a highly intuitive user interface and a rich set of business communications features making it an ideal product for the enterprise market.
snom's first VoIP conference telephone, the snom MeetingPoint, is the perfect addition for everybody who must make frequent cross-location consultations. The snom MeetingPoint is the only SIP conference phone that allows you to use Microsoft Office Communication Server 2007 R2 and Standard SIP accounts in one conference phone in parallel!
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Apartments are usually an affordable alternative for the smaller family.
We have apartments at Saladan and Southern – both along Klong Dao Beach.
Book your next holiday stay in an apartment with close access to this lovely beach!
Suitable for 1-2 persons staying long time.
Apartment for five persons in three bedrooms in the Malee Beach area with direct access to 600 sqm pool.
Apartment for five persons in two bedrooms in the Malee Beach area next to a 600 sq.m. pool and restaurant.
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This is a magnificent oil Menorah, made of solid brass. It is in style Temple Menorah.
Size: 21'' h. x 15.5'' w. x 7'' d.
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Expace launched the CentiSpace-1-S1 small satellite from the Jiuquan Satellite Launch Center on Saturday morning, using its Kuaizhou-1A (Y8) rocket. The Chinese commercial rocket launched at 04:13 UTC – marking China’s 26th orbital launch of the year.
The mission of the small CentiSpace-1-S1 satellite is not known. However, it has been revealed it will orbit the Earth in a Sun-synchronous orbit at an altitude of 700 km. Is it possible this spacecraft is a prototype of a small Earth observation satellite.
The contract for this mission was only received on May 2018, with the technical team arriving at Jiuquan in late August.
Expace Technology Co., Ltd., a subsidiary of China Aerospace Science & Industry Corp, it is specialized in R&D, manufacturing and marketing of the Kuaizhou series launch vehicle to provide cost-effective, reliable and accurate commercial launch service for customers all over the world.
The Kuaizhou-1A is a high precision and low cost solid launch vehicle developed by China Aerospace Science and Technology Corporation (CASIC) and commercialized by the China Space Sanjiang Group Corporation (EXPACE).
The launch vehicle can send a 200kg payload into a 700km sun-synchronous orbit. It mainly offers the service of sending a small satellite into Low Earth Orbit (LEO) to domestic and international customers.
The vehicle is based on the road mobile DF-21 missile, with the addition of upper stages. There is no apparent difference between the KZ-1A (previous commercially available as the FT-1 Feitian-1) and the KZ-1 launch vehicle.
The alternate name may be due to the KZ-1 having the payload attached to the fourth liquid stage, while the KZ-1A is used for multiple payloads.
The KZ-1A solid launch vehicle adopts a mobile launch platform, integrated power supply equipment, test and launch control facilities, aiming facility and temperature control facility, to carry vehicle from technical support center to launch site, complete temperature control of payload, vehicle test and launch.
KZ-1A launch vehicle is 20 meters tall with a liftoff mass of 30 tons, and its diameter is 1.4 meter. The vehicle’s power is provided by three solid motors and one liquid motor.
The solid propulsion system consists of three solid vehicle motors to provide power during first stage flight, second stage flight and third stage flight. All of the three solid motors use a single fixed nozzle and do not shut off until the propellant is exhausted.
First stage motor is 1.40 meters in diameter, having a total mass of 16,621 kg, a burn time of 65 seconds and an impulse of 2,352 Ns/kg. The second stage motor is 1.40 meters in diameter, having a total mass of 8,686 kg, a burn time of 62 seconds and an impulse of 2,810 NS/kg. The third stage motor is 1.20 meters in diameter, having a total mass of 3,183 kg, a burn time of 55 seconds and an impulse of 2,850 NS/kg.
The vehicle can be used with two types of fairings with a diameter of 1.2 and 1.4 meters according to the space demand of cargo to be orbited.
KZ-1A is launched from a mobile platform. The Mobile Launch Platform mainly includes transport and launch vehicle, test and fire control equipment, aiming equipment, etc.
The MLP transfers the vehicle from technological area to launching area, also providing temperature and environment control of payload, vehicle test and launching by using power supply equipment, test and fire control equipment, aiming equipment, temperature control device, which are integrated into the platform. The transport and launch vehicle employs a semi-trailer which is usually used for transporting container.
The usual launch profile sees the first stage separation taking place 1 minute and 23 seconds after launch. The second stage separation takes place at 2 minutes 21 seconds after launch, and the fairing jettisoning 15 seconds after second stage separation.
Ignition of the third stage occurs at 192 seconds into the flight, ending 1 minute 32 seconds later. Three seconds after third stage separation, the fourth and last stage gives the last kick into orbit, with a burn duration of 12 minutes and 45 seconds. Spacecraft separation takes place 17 minutes and 40 seconds after launch.
The first launch of the Kuaizhou-1A launch vehicle orbited the Jilin Linye-1 forestry satellite and two small CubeSats-2U: the Xingyun Shiyan-1 and the Kaidun-1 ‘Caton-1’. The launch took place on January 9, 2017, also from The Jiuquan Satellite Launch Center.
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The 'Blue City', as it is known, was founded on the edges of Thar Desert in 1459 A.D by Rao Jodha, a chief of the Rathore clan of the Rajputs. It was the capital of the Rathore Kingdom, which was the largest in the Rajputana. Jodhpur is the second largest city in Rajasthan after Jaipur, and is encircled by a high 10 km long wall. The city is blessed with a number of forts, temples, gardens and lakes. The historic grandeur, exquisite handicrafts, folk dances, music and the brightly attired people lend an aura of romance to the city. The city lies 317 km. from Jaipur and 597 km. from the national capital New Delhi. It is well connected by rail to Jaipur and New Delhi.
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We are thrilled to have such a diverse and interesting class of Dream Award recipients! Shanell’s story continues our series on each of the ten 2017 students. Throughout the next few months we will be posting more stories on a bi-weekly basis featuring these amazing individuals. Check out previous student stories by visiting our Success By Degrees blog.
After her parents’ divorce, Shanell Yenchik found herself living on the Navajo reservation in northern Arizona with her grandmother and family. While the circumstances for the move were heartbreaking, the reservation became a wonderful refuge for Shanell and her two sisters. Playing with her siblings outdoors is among her fondest memories of the reservation.
However, while Shanell enjoyed the outdoors, her mother struggled to support her family. Their family’s only source of income was the sale of traditional Navajo jewelry that her mother crafted. The electric and water would be turned off for periods of time until her mother could sell enough jewelry to pay the bills. As Shanell got older she would learn her mother’s craft and help her make jewelry to sell. Living through these circumstances made her more resilient because Shanell realized that life continues to go on and there really is nothing to be afraid of.
In high school, Shanell traveled an hour by bus to get to school. Her participation in clubs and activities meant that sometime she wouldn’t get home until 7 pm.
“In Kindergarten I dressed up as a doctor. I don’t remember ever not liking school,” Shanell said, explaining her active student life.
Besides serving at the president of student council and leading recycling and sustainability efforts with the Go Green club, Shanell joined the Upward Bound program. Upward Bound was a partnership between her high school and Southern Utah University to provide test prep and college admissions counseling to low-income and first generation college students. In the summers, Shanell participated in a six-week summer program offered at the university campus. Over those weeks Shanell moved into the dorms on campus and took math and science courses taught by university professors.
“Upward Bound made it seem like college was a possible option for me,” Shanell said.
She enrolled in a community college that had a satellite campus near the reservation. She was successful in the classroom, but the school lacked the academic rigor she was looking for, and she wasn’t sure if she could afford tuition at a four-year university. Despite her uncertainty, she registered at Northern Arizona University, hoping everything would work out. That’s when she found Scholarship America’s Dream Award.
Finding out that she was one of the 10 recipients, Shanell surprised her mom with the news.
Shanell is wrapping up her first semester at NAU, where she is studying Sociology with an emphasis in ethnic studies. Her experience in the Upward Bound program still shapes her life as she wants to work to help more minority students gain access to college. Scholarship America is proud to play a part in helping Shanell achieve her dreams.
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This exercise requires players to perform repeated bouts of maximal sprints (in the case of the wide players, 20 metres, and in the case of the forward players, 10 metres. If sufficient rest is given to players between each repetition (about 30 seconds between each sprint) then all of the sprints will be performed at maximum speed. Of course, there is a lot of specificity and relevance to the sport in this exercise, because players are performing the exact type of running and movements they are required to do in an actual match.
This very simple exercise requires players to perform repeated bouts of maximal intensity jumps, in a soccer-specific way that includes the ball. Like with speed training, power or jump training must give players sufficient rest in between repetitions. In this case, about 5-6 seconds of rest between each jump is enough. One player can do 5-10 headers, before switching to become a server. 3 sets for each player as both server and header work well to develop power without over-using the muscles.
While it may seem a bit unconventional to think of 1 versus 1 training as “strength training”, a closer look at the movements and intensities involved in this exercise presents a clearer picture for the rationale for its use to improve soccer-specific muscular strength. Performing a short sprint to a ball requires maximal acceleration immediately followed by a quick and powerful deceleration – to slow down, either to secure and protect the ball (if the player arrives first) or to defend and prevent forward play (if the player arrives second). These decelerations require very high eccentric strength in all of the major leg muscles, including the glutes, hamstrings, and quadriceps. When performed repeatedly over the course of multiple repetitions, high speed eccentric contractions will help to strengthen these lower body muscles and prepare them for the exact movements needed in match play. Once again, rest periods between repetitions are critical for this exercise, in order to allow for enough recovery for all players involved. Most of the plays in this exercise should last between 5-10 seconds, so 1-2 minutes of rest between each repetition is sufficient. Players can perform between 8-12 repetitions of this exercise.
This exercise, as well as other variations of small-sided soccer games, represents the best and most effective way to develop soccer-specific endurance. Small-sided games are effective at improving endurance as long as they are played at a high intensity. Coaches can ensure that the intensity is high by following the recommendations mentioned above. Prevent breaks in play by playing a new ball in immediately after a ball in played out. If the pace of the game starts to slow down, add a condition like minimizing touches to help speed it up. A simple protocol to work with is to play for 4 repetitions of 4 minute games, with a 3 minute rest period between each game.
The exercises described in this article represent just a few ways to incorporate the principle of specificity into soccer fitness training. Coaches and fitness coaches working with soccer players must strive to plan fitness exercises and training sessions that are as specific and relevant to the sport as possible, as this is the only way to ensure that improvements made during training will translate into improvements in match play.
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For beginners, I still like Bailie Beginner Dowel Buckle Grips best. Single buckle.
I don’t know too many gymnasts that stop getting rips when they start wearing grips. They just get them in different places, including their wrists.
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Four teams of 10 asphalt workers from Veidekke laid almost 20,000 tons of asphalt in 70 hours on Oslo Airport’s west runway. Geir Lange believes this may be a Norwegian record!
Veidekke Industri, as subcontractor to Veidekke Entreprenør, landed a major contract with Oslo Lufthavn AS (OSL) for resurfacing the west runway. The asphalt work included milling and re-asphalting the base course and wearing course with a combined area of 183,000 m2. Asphalt grades: Asphalt concrete for base course and stone mastic asphalt for wearing course. Altogether it required 43,000 tons of high-grade PmB asphalt by the time the job was successfully concluded, being carried out in three stages and ending around mid July.
Stopp&Belägg is at Oslo Airport on a fine summer night, following the work with block and camera. The first stop is Veidekke’s asphalt mixing plant at Ullensaker, the sole supplier for this phase of the airport job. Here we find foreman Jonny Hansen fully focused on remote management of production via computer screens.
He explains that the plant (Benninghoven from Germany) has been in operation since the main airport was built in 1997 and will soon have produced a total of three million tons. He admits that the plant is old and ready for renewal soon, but it has been upgraded with modern computer technology and has a maximum production capacity of 200 tons per hour.
“Just now we are producing SMA 11 stone mastic asphalt with polymer-modified bitumen for the wearing course at a rate of 143 tons per hour,” explains Hansen, who has worked at Veidekke since 1988. A highly-experienced asphalt maker, in other words.
Nynas is the bitumen supplier for this large project at Norway’s main airport, while the polymer-modified bitumen used for the work comes from Veidekke’s own PmB plant at Moss.
Veidekke’s asphalt contract started with milling of the surfaces in April. The actual laying of the base course and wearing course, a total of 43,000 tons, is divided into three stages. On this particular day they are in the middle of stage two. The client (OSL) doesn't allow any cross joints on the wearing course. Laying must therefore be a continuous process during the evening-night while the airport is closed.
“The job is exciting, but demanding with all the logistics. We have been operating with double shifts of everyone plus spare hands. It can't be compared to a normal road job,” says Geir Lange.
The first asphalt stage comprised 1,350 metres south of the west runway. This required 18,500 tons of asphalt, with two asphalt plants in full production. Four teams worked in 12-hour shifts and had one paver at their disposal. The transport element consisted of 37 lorries and 74 drivers (double the drivers). The job was completed in 70 hours.
After the visit to the asphalt plant we enter the airport area, where the contractor is preparing for a new evening and night session of laying the wearing course. The runway length in stage two is almost as much as the record stage, and the tonnage is exactly the same, but the contractor now has more time and two pavers available.
Two asphalt teams are in position in front of the pavers and waiting for the last planes to take off over their heads. After that they set to work. The lorries with new asphalt mix roll in and fill up the feeder, which then supplies fresh asphalt mix to the two belt-driven pavers. Side by side the new asphalt wearing course is spread at a width of five metres along the runway. OSL will not tolerate any cross joints, so the operation must be continuous. The longitudinal joint is slanted, and the central cavity between the longitudinal joints is filled with pure bitumen.
Four inspectors from Veidekke ensure that the work adheres to the rules. In addition, an inspector from OSL keeps a check on progress.
“This is the biggest job I have been involved with,” says Bjørn Ove Lerfald, one of Veidekke’s inspectors out in the field and ordinarily head of Veidekke Industri’s competence centre.
“Security systems represent the biggest challenge, since every person and machine has to go through security checks every time they enter the area. Consequently, we can't take things on the fly. Everything must be carefully planned,” he says.
“Yes, we can’t just send a message for extra staff in an emergency. Without an ID card no one can get into the airport site. Everyone working here must have completed three obligatory EHS courses. OSL is a demanding customer. There are individual and strict procedures for everything that must be done, which has inevitably made logistics difficult.
Stage two was completed two days after our visit, so only stage three remained, involving 400 metres and 6,000 tons in the centre of the runway, and this was planned for 10-12 July, weather permitting.
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