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Odklad splátek nebo refinancování. Jak dnes ušetřit na hypotéce

Splácíte hypotéku, u níž se blíží zlomové datum fixace? Jak na to, když chcete brzy půjčku doplatit nebo ji refinancovat? A lze před doplacením využít odkladu splátek?



  • Finance - Hypotéky a půjčky

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I still always confuse June and July

Ugh, well, I still didn't finish the video I mentioned last post (it is just a video version of some of my chess papers from this last SIGBOVIK; don't get too excited), but I made a lot of progress on it this weekend. This one has a lot of custom software, some of which is hours of work for like 10 seconds on-screen. This approach is "fun" but not efficient. At least I have a good approach to the video so it's just a matter of turning the crank now.

I finished The Messenger. My verdict is that it is good. Some aspects of it are fantastic (8-bit graphics and writing) and most are very good, but the game was not very hard and the "metroidvania" aspects of it were mostly about retreading ground between distant teleports. I managed to get all the achievements, which I don't usually do, but there was just like one hard one left.

Speaking of hard ones, next up is/was Dead Cells, whose verdict is great. This is a grindy (lots of unlockables/upgrades) roguelike platformer with really excellent controls and "flow", almost feeling like a twitchy fighting game at times. It's no "Spelunky" or even "Crypt of the Necrodancer"; what set those apart for me is how the design of the random level generation really tended to create these interesting situations and puzzles. But this game has an impressive amount of content (the graphics and the sheer variety of weapons/powerups both stand out to me) and is just really fun to play, except when you die (which is always). Just now I finally beat the game on "Hard" (second boss cell) so it may be time to retire. I bought like 9 more games on the Steam summer sale, after all!




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The creepiest tour of my house

Hey.  This isn’t a real post but I thought you might enjoy. Recently the Yorkshire Museum had a curator battle where they challenged museums to post the #creepiestobject in their collection on twitter.  And it was fantastic and a million … Continue reading




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The Conjuring House Tour




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South Kingstown Beach House






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The Houses Where The Dead Lived

Touring the homes of all the dead who have ever lived Even the ones long gone burned buried torn down vanished Wandering halls Opening rooms Crossing borders to see all the places the dead have been Trying to learn what it means to remain present after the body has gone It is not something  I have thought […]




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Excuse Me? Mr. Pillar? Sir?




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How to use youtube to get more traffic

In my last post I showed some simple ways you can use to help get your videos more views and subscribers. Now let's talk about getting some of that traffic over to your website or blog. Being that YouTube is the most used search engine in the world right now, and showing no signs of slowing down, this is something you want to tap into.




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How to use google keyword tool

Google keyword tool is a great free seo tool you can use to find keywords for your site. Without keywords or key phrases your site won’t be found by users, and you won’t be indexed by the search engines. It’s also important that you pick the right keywords that match your sites description. Often these are overlooked, leaving people frustrated that their sites aren’t getting the hits they would like. To use Google keyword tool to fink keywords, here’s what you do.




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Why You Should Use Stumbleupon To Get More Traffic

When it comes to getting people to your site one of the ways you can do this is through social bookmaking sites. And while these all give your site excellent one way back links, there is one site that you should sign up to first to get more traffic, and that site is Stumbleupon. Why you should use Stumbleupon to get more traffic If you’re not familiar with Stumbleupon this is how it works for your site to get more traffic. Instead of using keywords like how you would for a search engine, visitors select categories that interest them such as videos, music, or computers to name a couple examples. Once they pick their categories and click on the stumble button their randomly taken to a site, article, or video that fits that category. They can then decided if the like or dislike that site by giving it thumbs up or down. The more thumbs up your site gets the more hits it will get because it will show up more frequently when people stumble that category. Visitors to your site can also write reviews and share it with other users or add a sites link to their list of favourite sites giving you even more exposure, back links, and that oh so coveted traffic..........




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5 Of The Most Overused And Annoying Songs On YouTube (Blog Post)

I like making videos on Youtube, its fun. And while I’m far from being a pro I learn new tricks with each new video. One of the things I’ve learned from trial and error is what songs work and what doesn’t. Sure it doesn’t really matter if your videos are only for a hobby or just to show something off. However if your looking to get your name out there, get your videos popular, and not have people leave after 10 seconds then understanding what songs work and don’t is important.........





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This Playhouse Was 3D-Printed From Concrete!

Designer Andrey Rudenko was able to use a 3D concrete printer to make layer after layer of this little castle. His next goal? A complete two-story house.




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Hate crime: causes, motivations and effective interventions

Reports of hate crime in Scotland have increased and research indicates that the trauma experienced by victims of hate crime can be more enduring and harmful than non-hate related offending and that it has detrimental effects on communities as well as individuals. There is a clear role for criminal justice social work in this area in working with perpetrators.

Rania Hamad, City of Edinburgh Council spoke to us about her research on the topic. It aims to:

  • define 'hate crime' and highlight the complexities around definitions
  • provide an understanding of the scope and nature of hate crime in Scotland and Edinburgh
  • explore the causes of hate crime, including individual and wider structural causation
  • outline the 'characteristics' of hate crime perpetrators including a discussion around risk assessment
  • explore what can be learned from hate crime interventions
  • explore 'best practice' for practitioners in this area of work
  • highlight gaps in current knowledgeRead: Hate crime: causes, motivations and effective interventions for criminal justice social work.

Transcript of episode

Music Credit: Something Elated by Broke For Free




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Social work student and service user role play sessions

This is one of seven stories, showcasing what service user and carer (SUAC) involvement in social work education looks like, what makes it work and what benefits it brings. It has a significant role to play in shaping the next generation of practitioners.

SUAC involvement in social work education has been mandatory for 15 years now, so there is a lot of learning to share with others who can learn from this - transferrable to educators and practitioners working across public services, and relevant to policy-makers committed to mainstreaming person-centred – or person-led – approaches based on real partnership working between those who use and those who deliver services.

Summary
This story is based around role play sessions that are held between social work students at the University of Strathclyde and members of the service user and carer group. The role play is part of an exercise called Fitness to Practise, so students have to take part in a role play before they go out on placement (this is done with second year undergraduate students on the BA course as well as first year students on the Masters course). Previously these sessions were carried out solely between students, but that didn't seem to be working, with it being much harder for students to imagine each other as service users and to use that experience to inform their future work.




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Can SDS support recovery from substance misuse?

Pilotlight says 'Yes!'.

Using a design approach, Pilotlight aims to demonstrate how to design support for seldom heard groups, provide more personalised and appropriate services and increase the marketplace of support providers.

read more




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#89: Mama Noe in the House




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#91: Is There a Dentist In the House




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#216: Do House Elves Lay Eggs?

PotterCast, our Harry Potter podcast, is here today to bring you its 216th episode of Harry Potter news, discussion, and fun.  First, the PotterCasters sort through the latest news, which include stories about Jo Rowling becoming a special edition Barbie doll, Deathly Hallows, filming news from Emma Watson (Hermione Granger), and more.

 

Episode 216 — Do House Elves Lay Eggs?

Find the latest episode and explore PotterCast interviews, discussions and more at PotterCast.com

Visit the-leaky-cauldron.org for the latest and greatest from Harry Potter's Wizard World.




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Why is child abuse not opposed more passionately on the Right

From an email from Paul Foster: From my perch, there are two primary reasons the right doesn’t more passionately oppose child abuse. The first has to do with parents’ rights. The general conservative view of the child welfare system is of a group of liberal ladies who think they know better than parents and who […]

The post Why is child abuse not opposed more passionately on the Right appeared first on Marginal REVOLUTION.




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NFPA and ESFI work to reduce fatalities caused by electric shock drowning in pools and at marinas

With summer in full swing, the National Fire Protection Association (NFPA) and Electrical Safety Foundation International (ESFI) are joining forces to remind people about the potential electrical hazards in swimming pools, hot tubs and spas, on board boats and in the waters surrounding boats, marinas and launch ramps.




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How To Use Goals and Dreams To Achieve Personal Success

Goals and dreams are two concepts that are often used interchangeably in the quest for success. Although they can be used to complement one another, they do mean different things. This article looks at what goals and dreams are and how they can be used hand-in-hand in order to achieve personal success. What Are Goals? [...]Read More...




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Massachusetts: Latest updates on coronavirus

Here is the COVID-19 situation in Massachusetts.




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Carousel: April 2020

My darlings, my babies, my glorious creatures… I know you’re cooped up in your house. Me too! #samesies! Aren’t we all?! If you’ve been slowly going mad, never fear… I have articles, videos, case studies, and all kinds of fascinating literature for you to digest. Here’s a round-up of the best of the web, in […]

The post Carousel: April 2020 appeared first on Gala Darling.




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House of 1000 Doors: The Palm of Zoroaster

Exclusive offer from Giveaway of the Day and ToomkyGames! No third-party advertising and browser add-ons! Guide Kate Reed as she searches for the artifacts that can break the power of a cursed gem in House of 1,000 Doors: The Palm of Zoroaster! A cursed gem that has left a trail of smoldering bodies in its wake is threatening the residents of the House of 1,000 Doors, prompting the head of the mystical dwelling to once again summon Kate Reed to its aid. Guide Kate as she searches for the artifacts that can break the power of the gem!




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The Very Early Perimenopause: What We Can Learn from Dr. Jerilynn Prior’s Research

by Nina Coslov

In my early 40s, I started noticing changes in my body. A once great sleeper, I was now waking at 2 a.m. – often with lots of energy and sometimes with anxiety. I’d be awake for about 3 hours before I could get back to sleep. Around the same time, premenstrual breast tenderness returned — something I hadn’t experienced since my 20s, before I had children. Not long after, I’d notice from time to time a pervasive edginess, a revving — an energetic ... More

The post The Very Early Perimenopause: What We Can Learn from Dr. Jerilynn Prior’s Research appeared first on Our Bodies Ourselves.




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Book Week 2019: Gretchen McCulloch's Because Internet


Welcome to the final review post of Book Week 2019. In the intro to Book Week 2019, I explain what I'm doing. The 'week' has turned out to be eight days. If you're perturbed about that, I'm happy to offer you a full refund on your subscription fees for this blog.

On with the show. Today's book is:


Because Internet

Understanding the new rules of language (US subtitle)
Understanding how language is changing (UK subtitle)

by Gretchen McCulloch
Riverhead, 2019 (N America)
Harvill Secker, 2019 (UK)


Gretchen McCulloch describes herself as an internet linguist: writing about internet language for people on the internet. She actually does a lot more than that, with daily blogging at All Things Linguistic for years and being one half of the Lingthusiasm podcast team and writing on all sorts of linguistic themes for all sorts of publications. So, I expect many readers of this blog will already know her and have heard about this book. 

US Cover
I expected Because Internet to be good, knowing Gretchen's work, but I also probably (in my grumpy, middle-aged, oh-do-we-have-to-talk-about-emojis-again? way) expected it to be faddish. There have been too many just-plain-bad, (orig. AmE) jumping-on-the-bandwagon books about emojis, and I've got(ten) a bit sour on the topic. 

This book is so much more than I expected it to be. 

I should have known better. Having read and heard much of her work, I should have expected that this would be a truly sophisticated approach to language and to general-audience linguistics writing. So far in Book Week 2019, I've recommended the books as gifts for A-level students/teachers, science lovers, and language curmudgeons. This book is good for all those groups and more. 

UK cover
The key is in the subtitle(s).* This is not just a book about emojis and autocomplete (and, actually, autocomplete isn't even in the index). This is a book about the relationship between speech and writing and how that's changed with technology. It seamlessly introduces theories of why language changes, how change spreads and how communication works in a time when the potential for change is high and the potential for changes to spread is unprecedented. 

That seamless introduction of linguistic concepts is the reason I've started this book from the beginning and not skipped around (unlike for other books in Book Week—where the rule is that I don't have to read the whole book before I start writing about it). In most books about language for non-linguists, I'm able to skim or skip the bit where they talk about the basics of how language works and the classic studies on the topic and the ideas springing from them. McCulloch covers those issues and those studies (the Labovs, the Milroys, the Eckerts), but since this is intertwined with looking at how language is changing in the 21st century—because (of the) internet—it was worth my while to read straight through. The great thing about the language of the internet is: even when it looks really different from non-internet language, it's still illustrating general principles about how language, communication, and society work. But it also shows how society is changing because of technology, particularly in changing who we are likely to interact with or hear from, In the process, it gives a history of the internet that's enlightening even for those of us who've lived through it all. (I've just flipped open to a section about  PLATO at the University of Illinois. One of my student jobs was working in a PLATO lab, playing Bugs-n-Drugs [aka Medcenter] while signing people in and out. That game was not good for my hypochondria, but I have awfully fond memories of PLATO.)


Another thing to appreciate about McCulloch's book is how unreactionary it is. She doesn't set up her discussion as "You've heard people say these stupid things about the internet, but here's the TRUTH." (A style of writing that I can be very, very guilty of.) She mostly just makes her case gracefully, based on what the language is doing, rather than reacting to what other people say the language is doing. Rather than 'This, that and the other person say emoji are a new language, but they're not', she just gets on with explaining how emoji fulfil(l) our communicative need to gesture. It's a positive approach that academic linguists will have had trained out of them by the requirements of academic publishing.

This is a bit of a nerdview 'review'. Usually reviews tell you some fun facts from the book they're reviewing, whereas I'm telling you what I've noticed about its information structure. That's because that's what I really look for in books as I prepare to write a new one. In terms of information, in this book you'll learn, among other things:
  • which "internet generation" you belong to and how your language is likely to be different from other generations'.
  • what punctuation communicates in texting/chat and how that differs from formal writing
  • how language change can be traced through studying strong and weak social links and geographic tagging on Twitter
Inevitably, the book is mainly about English, in no small part because English rules the internet. But it does make its way to other languages and cultures—for instance, how Arabic chat users adapted their spelling to the roman alphabet and how emojis are interpreted differently around the world.  In the end, she briefly considers whether space is being made for other languages on the internet.

It's a galloping read and you'll learn all sorts of things.


So, on that happy review, I declare Book Week 2019 FINISHED.


* I love the transatlantic change in subtitles, since it completely illustrates the point of chapter 8 of The Prodigal Tongue: that Americans like to talk about language in terms of rules, and Britons in terms of history/tradition. I've also written a shorter piece about my personal experience of it for Zócalo Public Square.




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Breeching Valves – Should They be Used in Sprinkler Systems?

What on earth is a breeching valve? A breeching valve, also known as a safety shutoff valve or excess flow valve, monitors pressure and flow in a system. Upon seeing excessive flow, the valve will automatically close, essentially shutting off or




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Cool, California ranch house in San Francisco is a sustainable gem

San Francisco-based firm Malcolm Davis Architecture has managed to combine the cool vibe of Cali design with the energy-saving principles of sustainable living. Their latest design is a modern ranch home that was built using reclaimed materials and boasts several active and passive strategies that reduce the home's environmental impact.[...]





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Isle of Man retreat is carbon-neutral and focused on conservation

The carbon-neutral Sartfell Restorative Rural Retreat is located on the Isle of Man, a self-governing island possession of the British Crown. The British Isle is known for its medieval history, museums, castles and rugged landscape. The product of a collaboration between architect Foster Lomas, local charity Manx Wildlife Trust and a retired couple with a background in biological science, medicine and education, this unique project was designed to blend seamlessly into its picturesque surroundings.[...]




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Indonesian Microlibrary uses prefab FSC-certified timber

In the Indonesian city of Semarang, international architecture firm SHAU has completed Microlibrary Warak Kayu, an inspiring new public space that raises the bar for community design and sustainable architecture. Prefabricated with only FSC-certified timber, the new neighborhood icon is the fifth built project in the Microlibrary series, an initiative to encourage reading in low-income areas by creating "socially performative multifunctional community spaces with environmentally conscious designs and materials." In addition to the exclusive use of sustainably grown and logged timbers, the project is the first library in Indonesia made entirely of FSC-certified wood. The Microlibrary Warak Kayu is also[...]




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'Tiger King' drama overshadows abuse of captive tigers in U.S.

Netflix's wildly popular "Tiger King" documentary series has been progressively sweeping the nation since it first aired on March 20. As an outrageous, binge-worthy drama released when self-isolation and uncertainty were spreading around the world, the show certainly came at the right time to provide an escape from the news. Overnight, it seemed, conversations that didn’t revolve around the coronavirus or Joe Exotic were hard to come by. Photos of celebrities who’d visited the zoos were flooding the internet, Joe Exotic’s power-ballads were hitting it big on Spotify and even President Donald Trump was fielding questions about the gun-toting zookeeper[...]




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Modern farmhouse targets net-zero energy in Vermont

On a hillside meadow in rural Vermont, local architecture firm Birdseye has completed Bank Barn, a new residence that, from afar, might look like any another agricultural building. But it is actually a modern farmhouse strategically engineered to meet future net-zero energy targets. The architects drew inspiration from the regional farm structures built into the banks of hills to create the gabled dwelling, which is clad in weathered cedar and topped with a durable metal roof. An intensive energy consultation and modeling informed all parts of the design. The resulting project features an electricity-based energy system that is expected to[...]




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New Airstream camper uses solar panels for off-grid power

For nearly a century, Airstream has been designing campers built for both adventurous forever roamers or big families looking to enjoy summer time trips together. Now, the iconic camper brand has just introduced its latest concept, which is geared towards sustainable travelers of all types. The 2020 Atlas Camper features a solar-paneled rooftop and an ultra luxurious living space.[...]




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Eco-friendly coffee range uses cork to reduce plastic waste

These days are filled with stress and anxiety, but it’s also time to take pleasure in the small joys of life — such as a good cup of coffee. For coffee-connoisseurs, designer Samson Chung has just released a new collection of coffee and espresso makers called Kork Kafeware that, thanks to its sleek combination of stainless steel and cork accents, lets you sit down to enjoy a superb cup of joe, slowly and sustainably.[...]




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Whimsical guesthouse uses prefab timber and corten steel

Belgian firm Atelier Vens Vanbelle has created a stunning guest home for a client who works in the film industry. Located in the Uitbergen region of East Flanders, the Alex Guesthouse boasts an eye-catching design comprised of a unique curved volume made out of prefabricated timber and clad in corten steel.[...]




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Red brick firehouse in Belgium runs on solar power

Rotterdam-based studio Happel Cornelisse Verhoeven has built a charming new firehouse for Wilrijk, Belgium. The firehouse is clad in bright red bricks that stand out thanks to white grout and vertical columns made of larger bricks. The building is also incredibly sustainable, generating its own clean energy through a massive rooftop solar array.[...]




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Greenhouse gas emissions expected to hit record decline

While your home energy bill may have increased while you shelter in place, the planet’s overall energy use has taken a significant downturn. According to the International Energy Agency’s (IEA) first quarter report, global carbon emissions could be down by 8% this year, the biggest drop the agency has ever seen.[...]




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WKE LifeProof phone cases use recycled ocean-bound waste

In an effort to find a balance between protecting the significant investment in our cellular devices and protecting the planet, LifeProof has developed a phone case that sources materials diverted from the ocean and simultaneously supports organizations directly involved in providing safe water, protecting ocean life and maintaining river habitat. [...]




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Solar-powered bubble shield focuses on physical distancing in public

As of May 5, more than 3.5 million people in 215 countries around the world have been infected with the novel coronavirus, according to the World Health Organization. While the world continues to socially distance, designers and creatives are beginning to imagine different ways to protect people from the virus; case in point, this futuristic bubble shield by DesignLibero.[...]




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Researchers Uncover Novel Way to De-anonymize Device IDs to Users' Biometrics

Researchers have uncovered a potential means to profile and track online users using a novel approach that combines device identifiers with their biometric information. The details come from a newly published research titled "Nowhere to Hide: Cross-modal Identity Leakage between Biometrics and Devices" by a group of academics from the University of Liverpool, New York University, The Chinese




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Trump Uses Coronavirus to Spread Racism

There is nothing like a global pandemic to unleash the forces of racism in society. Trump is now routinely calling the novel coronavirus strain “the Chinese virus.”




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Paparazzi Are Somehow Even More Useless Now

By Isaac Cabe  Published: May 08th, 2020 




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Landlord Tries To Keep Tenants In Mold House

Man, this landlord sounds like a particularly unpleasant human being. The guy continued to ignore the completely reasonable series of requests/complaints from the girls that were living in the property. Well, they certainly taught him a lesson. They ultimately engineered his demise by putting together a mold test that showed they were living in a pit of unwanted mold. Mold is no joke, man! 

Check out another landlord revenge story over here, with the time a tyrannical landlord tried to scam tenants and was dealt justice.






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Drunken, Booze-Soaked Facebook Statuses That'll Make You Thankful You're Not These Failing Idiots