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Ten off-the-beaten-path ways to CITO

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first_img SharePrint RelatedCache In Trash Out® (CITO) announcement for 2019January 7, 2019In “Environmental Initiatives”CITO 2019 Season 1 RecapJune 11, 2019In “Community”Chalking The Horse: It’s the Neigh-borly Thing to Do — Interview With CITO Host The WomblesSeptember 12, 2019In “Cache In Trash Out” All good cachers go geocaching, but what do great cachers do? Cachers Improve The Outdoors!Cache In Trash Out® (CITO) is an environmental initiative supported by the geocaching community. Since 2002, CITO has helped preserve the natural beauty of cache-friendly spaces. In that time, more than 363,000 people have volunteered at over 18,000 events.CITO Events often involve litter clean-up, trail building, tree planting, invasive species removal, and more. Perhaps you’ve attended CITOs in the past and are ready to host your own, or maybe as a regular CITO host you’re ready to change things up.Today we highlight off-the-beaten-path ways to step up your CITO. Share with your Friends:Morelast_img read more

Facebook’s Mark Zuckerberg Talks About New Privacy Controls (Live Blog)

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first_imgTags:#Facebook#news#web frederic lardinois Related Posts Facebook is Becoming Less Personal and More Pro… Facebook is holding a press conference this morning where the company’s founder and CEO Mark Zuckerberg will discuss Facebook’s progress in bringing enhanced and simpler privacy controls to the popular social networking service. Since Facebook’s last round of updates, the company has come under growing pressure to safeguard its users’ privacy and offer simplified privacy settings. Earlier this week, Zuckerberg acknowledged that the company has “made a bunch of mistakes” lately and we expect Facebook to announce how it plans to regain its users’ trust today.Note: As an experiment, we will use Google Wave to live blog this call. We recommend you use Google Chrome or a recent version of Firefox or Safari to follow along. For now, this Wave is read-only. We plan to open it up for comments after the event is over. The press conference is scheduled to start around 10:30am PT (1:30pm ET).center_img A Comprehensive Guide to a Content Audit Guide to Performing Bulk Email Verification The Dos and Don’ts of Brand Awareness Videoslast_img read more

All About Energy Efficient Mortgages

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first_img RELATED ARTICLES Transforming Stimulus-Funded Weatherization into a National IndustryGreen Building Appraisal and Financing Issues A relatively new home financing option — the energy efficient mortgage — can let home buyers qualify for larger loans than they might otherwise, while improving their homes with environmentally friendly, cost-cutting upgrades that can reduce energy bills.An energy efficient mortgage (EEM) is a great way to help a family improve their home and save money while doing good for the environment, and securing one is a lot simpler than you might think. You need a HERS ReportSince the money from a green mortgage is intended to be used to improve the energy efficiency of a home, most EEM mortgages are used for air sealing and insulation improvements. In some cases, an EEM can also be used for other types of retrofit work, including the installation of replacement windows, a new HVAC system, or chimney repairs. An EEM can be used for energy-generation equipment (for example, a rooftop solar array), although this type of work is usually prohibitively expensive considering the federally mandated cap on EEM size.Most of the time, if you obtain an EEM, you cannot choose which upgrades to invest in. After talking with your lender, you will be visited by an energy rater who will examine your home and present you with a HERS (Home Energy Rating System) report. This report analyses the energy performance of your home and makes suggestions for improvements based on considerations such as climate, existing insulation levels, and the performance of the existing heating and cooling systems. This report costs about $500, though this amount is often either paid by the lender or rolled into the cost of the mortgage.The HERS report includes a wealth of information about your home, its energy performance before and after suggested upgrades, the cost of those upgrades, and the energy savings expected from each of them. You can use these figures to help guide your decisions about how large an EEM you want and which projects you want to undertake.You will have about 90 to 180 days after the loan closes to contact professionals to perform the improvements you have chosen to undertake. Finally, an inspection is done to verify that the improvements have been made properly, and the money from the EEM is paid to the borrower.For more information on EEMs, see FHA: Energy Efficient Mortgages and Energy Star: Energy Efficient Mortgages. Why should I pay for improvements with an EEM?There are two primary benefits to using an EEM to make your home more energy efficient. First, while the EEM is technically distinct from your main mortgage payment, it is rolled into the same bill when you pay it: that is, you will still only have to pay one bill every month for your mortgage payment. If you finance the upgrades some other way, you’ll have to make two payments every month, reducing your payment flexibility.Second, an EEM retains the tax characteristics of your mortgage — in other words, the interest payments on the green mortgage are tax-deductible. This reduces your tax burden for the year compared to paying for the improvements some other way.Often, EEMs are taken out by homeowners who are facing high energy costs in their current home but do not wish to move. Refinancing your home while including an EEM can allow for more and higher quality upgrades than the homeowner would otherwise be able to undertake, without a significant out-of-pocket cost or a significant increase in the mortgage payment. Why should I worry about energy efficient improvements at all?In most homes, between 50% and 70% of the energy costs of a home go to heating and cooling. The most common types of energy retrofit work are air sealing improvements and insulation improvements. According to NAIMA (the North American Insulation Manufacturers Association) over 60% of United States homes lack adequate insulation. Many of the changes that an EEM is likely to pay for are not particularly intrusive or expensive, but pay dividends in energy savings.center_img How can I get an EEM?The vast majority of mortgage lenders offer EEMs through secondary mortgage markets like Fannie Mae and federally insured programs like the FHA. As you should when securing any mortgage, talk to several lenders to find your options and decide which EEM is best for you and your energy-improvement goals.Qualification is rarely a concern. If you qualify for a normal mortgage, you usually qualify for an EEM instantly – though this does not automatically roll the green mortgage into your normal mortgage. The only requirement for that is that the improvements you make to the home are cost effective. For example, if a new HVAC system and ductwork will cost $4,000 to install, then over the life of the system the improvements should be projected to save over $4,000 in energy costs. How many types of EEMs are there?Most mortgage lenders will offer three different kinds of energy efficient mortgages (known colloquially as “green mortgages”):Conventional EEM. This type of mortgage is offered by lenders who sell their mortgage loans to Fannie Mae and Freddie Mac, and allows you to borrow an additional 15% over the appraised value of your home to make the improvements.Federal Housing Administration EEM. This type of mortgage only allows you to borrow an additional amount equal to at least $4,000 and up to either 5% of your home’s value or $8,000, whichever is less. While the mortgage is smaller than a conventional EEM, this route lets you take advantage of Federal Housing Administration financing options.Veteran’s Association EEM. This type of mortgage is similar to an EEM from the FHA, but is only available for past and present military personnel. It grants an additional $6,000 on your mortgage regardless of your home’s value. Brentt Taylor writes for Mortgage Loan, owned by Mortgageloan Directories and Information LLC. The site provides information, tools and up-to-date news about mortgage and financial-related matters.last_img read more

Archers slay Maroons

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first_imgKammuri turning to super typhoon less likely but possible — Pagasa MOST READ Don’t miss out on the latest news and information. Read Next Typhoon Kammuri accelerates, gains strength en route to PH Eager to settle an old score, La Salle came out tenacious early to deal University of the Philippines its worst beating of UAAP Season 80.Ben Mbala fired 27 points and grabbed 14 rebounds as the Green Archers also gave coach Aldin Ayo a fitting birthday present with an 85-62 demolition of the Fighting Maroons on Sunday to solidify their hold of second spot at Filoil Flying V Centre in San Juan.ADVERTISEMENT BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight Fire hits houses in Mandaluyong City Facing one of the two teams that beat them in the past two seasons, the Archers zoomed to an early double-digit lead before coasting in the second half to raise their record to 6-2.Mbala made life difficult on UP top gun Paul Desiderio, who was held to just seven points on 2-of-13 shooting after scoring 30 points in the 98-87 win in the first round last Sept. 23.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutout“We wanted this win so bad,” said La Salle guard Kib Montalbo, who also ended his shooting slump with 12 points.“We have lost to them four times this year, including tune-up games and its also coach’s (Ayo) birthday.” LATEST STORIEScenter_img 13 PH kids earn FC Barcelona training slots Mbala added: “We were eager, we cannot lose to the same team, which probably means that maybe we got to think about what we’re doing wrong.”Earlier, Far Eastern U inflicted more misery on winless University of Santo Tomas, while tightening its grip on fourth spot following an emphatic 96-70 victory. Frontrow holds fun run to raise funds for young cancer patients  Trending Articles PLAY LIST 00:50Trending Articles00:38Duterte orders probe on radio broadcaster slay in Dumaguete02:11’Not just basketball’: Circumcisions, pageants at Philippine courts01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Nonong Araneta re-elected as PFF president LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary Brace for potentially devastating typhoon approaching PH – NDRRMC View commentslast_img read more

Australian Youth and Masters Head Coach Expressions of Interest

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first_imgOver the next four years from 2016-2020 Touch Football Australia (TFA) will have numerous representative teams competing in various international events. The cycle will culminate in the 2019 Federation of International (FIT) Touch World Cup being hosted in Malaysia. Leading up to 2019 Australia will compete on the international stage annually. The full list of international events appears below: 2016 Auckland, NZ Open Trans Tasman2017 Australia Open, Youth & Masters Trans Tasman2018 New Zealand Open Trans Tasman2019 Kuala Lumpur, Malaysia FIT Touch World Cup & Youth Trans Tasman Expression of Interest To support the High Performance Program TFA is seeking Expressions of Interest (EOI) from suitably qualified, currently accredited and active elite level coaches to fill the following Youth & Masters coaching positions. Youth ProgramBoys 17’s Head CoachGirls 17’s Head CoachBoys 19’s Head CoachGirls 19’s Head CoachMixed 17’s Head CoachMixed 19’s Head Coach Masters ProgramMen’s 30’s Head CoachMen’s 35’s Head CoachMen’s 40’s Head CoachMen’s 50’s Head CoachWomen’s 30’s Head CoachSenior Mixed Head Coach For more information on the application process, please click on the attached memo below. Related Filestfa_youth___masters_coach_eoi_promotion-pdfRelated LinksHead Coach EOIlast_img read more

Commercial Operators Urged to Dispose of Garbage Properly

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first_img Executive Director of the National Solid Waste Management Authority (NSWMA), Audley Gordon, is urging operators of commercial entities to work with the agency to ensure the proper disposal of solid waste. As such, he is advising developers to check with the Authority on proper waste-disposal protocol before they begin construction. Executive Director of the National Solid Waste Management Authority (NSWMA), Audley Gordon, is urging operators of commercial entities to work with the agency to ensure the proper disposal of solid waste.While the NSWMA is not responsible for the removal of commercial garbage, Mr. Gordon told JIS News that business owners can consult the agency in order to put proper arrangements in place.He lamented that a number of commercial centres across the island do not have adequate facilities for solid-waste storage and disposal.As such, he is advising developers to check with the Authority on proper waste-disposal protocol before they begin construction.“First of all, you should make arrangements when you are building the plaza where the trucks will have access to get the garbage and where the garbage will be housed. All those things have to be included in the planning. We are appealing to commercial entities and developers to get us in on the conversation early when doing these plans, so that the solid waste management can be part of the overall strategy when you are building,” he stressed.The NSWMA Executive Director warned that persons who continue to litter could face stiffer sanctions under new regulations to come on stream shortly for breaches of the NSWMA Act.Meanwhile, Senior Investigator for the NSWMA, Phillip Morgan, said that operators of commercial enterprises should ensure that waste and other debris are properly containerised and taken to an approved dump site.This, he noted, is particularly important for food establishments, which must have a proper waste-disposal system in place in order to be issued a public health certificate to operate.For persons who contract the NSWMA, Mr. Morgan explained that an agent will visit the establishment to assess waste in terms of how many bags are generated per day or per week, and a rate will then be applied.“For example, if it is $200 to collect a bag and you generate 10 bags per week, you would pay $2,000 for the collection of waste every week. Persons who prefer to have waste removed from the premises daily will do so for an additional cost,” he said.Enterprises found in breach of the NSWMA Act will be charged with illegal dumping. This is a prosecutable offence under the law.Section 45A of the NSWMA Act stipulates that persons who dispose of waste in a manner not approved by the Authority, if found guilty, can be fined up to $1 million or sentenced to a nine-month jail term or both.“It may start with a ticket fine for littering. The lower end is $2,000 for the person who actually does the littering. For the person who employs the person doing the littering, it is $10,000. But, it may go up to as much as $1 million if brought before the court, and, also, they might face jail time,” Mr. Morgan outlined.The NSWMA is the regulator of the waste collection industry and is mandated to collect domestic or residential waste.Arrangements for waste collection and disposal can be made by business operators through the NSWMA’s regional bodies.These are Metropolitan Parks and Markets (MPM) Waste Management Limited, Southern Parks and Markets (SPM) Waste Management Limited, Western Parks and Markets (WPM) Waste Management Limited; and North Eastern Parks and Markets (NEPM) Waste Management Limited.Operators can also contract the services of a private waste collector. The NSWMA Executive Director warned that persons who continue to litter could face stiffer sanctions under new regulations to come on stream shortly for breaches of the NSWMA Act. Story Highlightslast_img read more

Muslim groups support Dalit community demand joint protest on September 15

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first_imgNEW DELHI: Representatives of several Muslim organisations on Monday supported the Dalit community’s demand for reconstructing a Ravidas temple in Tuglakabad forest area and said they would organise a joint protest in the national capital on September 15. The Delhi Development Authority (DDA) had demolished the temple on August 10 on the orders of the Supreme Court.On August 21, a massive protest in the national capital on the issue turned violent, following which Dalit group Bhim Army chief Chandrashekhar Azad and 95 others were arrested on the charge of rioting. At a press conference here, Mulana Fazlul Manan Shahi, the Imam of Teele Wali Masjid in Lucknow, said, “We feel the pain caused by the temple’s demolition as we have gone through a similar experience. We share the grief of our Dalit brothers. We will be there to rebuild the temple.” Also Read – After eight years, businessman arrested for kidnap & murderMufti Aeyaaz Arshad Qasmi, a member of the All India Muslim Personal Law Board, said, “If the government does not rebuild the temple, we will hit the streets on September 15. We will do all that we can. We will take legal recourse too.” Syyed Bahadur Abbas Naqvi, the general secretary of Anjuman-e-Haideri, alleged that the “government misled the apex court by furnishing fake documents about acquisition of the land where the temple stood.” “According to law, land belonging to any religious structure cannot be acquired. The government acquired the land in question in 1986. There is enough evidence to prove that the temple existed before 1986,” he claimed. “Muslims and Dalits communities stand together on the issue. We demand the temple be built at its original place and Azad and his supporters, who have been arrested on false charges, be released immediately,” Naqvi said, adding on September 15, the Muslim community will take put a peaceful march to the site in Tughlakabad where the temple stood.last_img read more

Peyton Manning And Stevie Nicks Honored By USO

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first_imgPeyton Manning, Stevie Nicks, Sebastian Junger and Seema Reza – along with nearly 30 Medal of Honor recipients – were honored last week for their contributions to the military community at the USO of Metropolitan Washington-Baltimore’s 33rd Annual Awards Dinner.Video: Peyton Manning, Stevie Nicks and Others Shine at USO of Metro of Washington-Baltimore’s DinnerTo read more, click here.last_img

Human sperm retains its complete viability within different gravitational conditions

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first_imgRadiation impairs the quality and viability of human sperm, and these effects are expected to be greater on fresh sperm than on frozen samples, which are cryopreserved in special cryostraws and transported in cryotanks. So our first step was to investigate gravity conditions and frozen sperm samples. Our best option will be to perform the experiment using real spaceflight, but access is very limited.”Dr Montserrat Boada from Dexeus Women’s Health in Barcelona Source:European Society of Human Reproduction and Embryology Reviewed by James Ives, M.Psych. (Editor)Jun 24 2019Zillionaires like Amazon founder Jeff Bezos who see the ‘colonization’ of space as an answer to the Earth’s ever threatened resources will be reassured to learn that human sperm retains its complete viability within the different gravitational conditions found in outer space.In a study reported today at the 35th Annual Meeting of ESHRE investigators said that the lack of difference in a range of sperm characteristics observed in frozen sperm samples exposed to microgravity and those maintained in ground conditions ‘open the possibility of safely transporting male gametes to space and considering the possibility of creating a human sperm bank outside Earth’.The results are presented here in Vienna by Dr Montserrat Boada from Dexeus Women’s Health in Barcelona, whose group worked with microgravity engineers from the Polytechnic University of Barcelona. The Aeroclub Barcelona-Sabadell of Spain was responsible for the parabolic flights to create microgravity conditions.As background to the study, Dr Boada explained that, while the effects of microgravity on the cardiovascular, musculo-skeletal and central nervous systems are well known and tested in space flight, relatively little is known about the effects of different gravitational environments on human sperm and eggs. ‘Some studies suggest a significant decrease in the motility of human fresh sperm samples,’ said Dr Boada, ‘but nothing has been reported on the possible effects of gravitational differences on frozen human gametes, in which state they would be transported from Earth to space.’The study was performed using a small aerobatic training aircraft (CAP10), which can provide short-duration hypogravity exposure. The plane executed a series of 20 parabolic maneuvers, providing 8 seconds of microgravity for each parabola. Overall, ten sperm samples obtained from ten healthy donors were analyzed after exposure to the different microgravities found in space and ground gravity.Related StoriesRecurrent pregnancy loss may be caused by sperm DNA damage, finds studySperm quality among Swiss men in ‘critical state’, say expertsLong-term cryopreservation of semen does not affect future clinical outcomesThe sperm analysis comprised a full range of measurements currently performed for fertility testing – concentration, motility, vitality, morphology and DNA fragmentation – and results found no difference whatsoever in any of the parameters between the microgravity space samples and the control group samples from Earth. Indeed, said Dr Boada, there was 100% concordance in DNA fragmentation rate and vitality, and 90% concordance in sperm concentration and motility. These minor differences, she added, ‘were more probably related to heterogeneity of the sperm sample than to the effect of exposure to different gravity conditions’.Dr Boada described this as a preliminary study and her group will now move on to validate the results and then to larger sperm samples, longer periods of microgravity and even fresh sperm. ‘But we do need to know,’ she added. ‘If the number of space missions increases in the coming years, and are of longer duration, it is important to study the effects of long-term human exposure to space in order to face them. It’s not unreasonable to start thinking about the possibility of reproduction beyond the Earth.’Dr Boada noted that one reason for using frozen sperm in this study was the known effect of radiation on fresh sperm.last_img read more

SmartCity Kochi seeks to convert 30 acres to freehold

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first_imgSHARE housing and urban planning COMMENTS To approach Keralagovt for change in contract terms October 01, 2018 COMMENTcenter_img Published on Seeking to give an impetus to its growth plans, SmartCity Kochi has decided to convert 12 per cent of its allotted 246 acres into freehold to promote residential projects. A board meeting of the company has resolved to approach the Kerala government, seeking change of status of 29.5 acres from leasehold to freehold, SmartCity Kochi CEO Manoj Nair said. Residential projects“In accordance with the provisions of the framework agreement executed in 2007, followed by the lease agreement signed in 2011 with the Kerala government, we will submit the request to the State administration to facilitate change of status of selected plots in SmartCity Kochi from leasehold to freehold. This will enable SmartCity to undertake developments to promote residential projects and facilitate people to buy residential units, including options for long-term lease,” Nair said. Job creationBased on the ongoing development plans in SmartCity Kochi, an additional 55 lakh sq ft built up area will be delivered in phases, commencing fourth quarter of 2020. This will create an additional 55,000 direct jobs, increasing the workforce population to 1 lakh in the IT hub at Kakkanad. With the Gems Modern Academy School, with a capacity of 3,000 students, commencing soon, the timing is appropriate to promote residential and retail projects and other related infrastructure that will make up the landscape of the township, he said. EoI submitted Meanwhile, Confident Group, a leading real estate developer, has submitted an expression of interest (EoI) for developing residential projects on 15 acres within SmartCity Kochi with an investment of ₹1,200 crore.“We have proposed to undertake the development in phases over five years, once necessary approvals are given,” said Roy CJ, Chairman of Confident Group. SHARE SHARE EMAIL Manoj Nairlast_img read more