WARNING: Read Instructions Before Operating Printed Calendar - WARNING: Read Instructions Before Operating 3D Industrial Metal Style Sign Shirts, Sweatshirts, Coffee Cups, Mousepads and MORE!

This Calendar will help you tell the world that shopping is much better than therapy. Nothing may be more satisfying for the mind and soul than a few hours or an entire day shopping. - Are you a shop-aholic? Is shopping one of your favorite things to do? Is hopping a hobby for you? Maybe you are the kind of person that shopping helps sooth your mind and soul. Maybe you feel so much better after a day or even a couple hours of shopping whether it is visiting your favorite store, going to the mall or even shopping online. If any of these statements ring true for you then you need to get a “For Some There's Therapy, For The Rest Of Us There's Shopping” shirt, mousepad or coffee cup. Spread the word that shopping is much better than therapy.

The No Longer A Danger To Society Printed Calendar will help you reassure the world that you are No Longer A Danger To Society - Are you reformed? Are you no longer a threat or danger to society? Are you now a person that is safe for society, maybe an asset to society? Whatever the case may be, make sure the entire world knows that you are "No Longer A Danger To Society".

This Printed Yearly Calendar lets everyone know whose fault it really was, the flying monkeys made you do it - It's absolutely true. It's not really your fault. In fact, even though you were the one that actually did do it, it still isn't your fault at all. Of course you shouldn't take responsibility for what happened, you just couldn't help yourself. But, first and foremost when you do get blamed, make sure you point the blame in the right direction. It's not the dog's fault nor is it the fault of the voices in your head that you have been listening too, nor was it the ghost of Elvis, and the devil definitely didn't make you do it either. Certainly, that can only leave one option left, the ones that are truly behind it all, the flying monkeys. That's absolutely right. It was the flying monkeys that made you do it. Now is your chance to fianlly reveal the truth of who's really behind it all.

For Some There's Therapy, For The Rest Of Us There's Motorcycles Printed Calendar - For some there's therapy, for the rest of us there's motorcycles. Sometimes the best way escape reality a little bit to relax, unwind, think about and make sense of life is to hop on our motorcycle and head for the open road whether it's through the twisties of a canyon or mountain or the open desert highway. The freedom and peace of being at one with a machine and the open road is therapy that is almost unequalled by anything else. So, forget the shrink. Forget the counselors. Forget the psychiatrists. Forget the therapists. Relieve the stress, makes some sense out of life, grin from ear to ear. Just get on your bike and ride.

Show your support for freedom of thoughts and actions with the Legalize Freedom Calendar - Left Wing, Right Wing, Conservative, Liberal, Republican, Democrat, Libertarian, it just doesn't seem to matter much any more. They all are trying to pass more laws one way or another to dictate how we think, how we live, restricting how they think we should think and how they think we should live. It doesn't matter anymore if you agree with conservative or liberal ideals. Having different ideas, thoughts and attitudes is what use to make the United States terrific. We didn't use to have the politicians shoving their personal beliefs down our throats. We use to be able think and act for ourselves. We use to be able to be responsible for our own lives and our own decisions. Freedom use to be legal. Freedom of choice use to mean something. The freedom to choose anything is almost non-existent anymore. Left Wing, Right Wing, Conservative, Liberal, Republican, Democrat, Libertarian, it just doesn't matter any more, all of their beliefs that they try passing laws on telling us how to think, breath and live will only lead to one thing eventually... socialism and communism... UNLESS it is stopped before it is too late. Legalize Freedom! Enough is enough already!! Stop restricting us! Stop telling us how you say we should think! Stop telling us how we should live! Stop trying to protect us from us! Let us think for ourselves! Let us act for ourselves! Let us be responsible for our own lives! Let us be responsible for our own decisions! LEGALIZE FREEDOM!!

This Calendar Print will help you show your passion and dedication to your martial arts discipline and that it truly is better than therapy - For some there's therapy, for the rest of us there's martial arts. Who needs therapy; when the martial arts are your outlet? There can be several reasons of why you do not need therapy when you use martial arts as therapy. In martial arts, whether it is taekwondo, karate, kung fu or jujutsu, there is a physical and mental level of discipline that is achieved that overflows into every area of your life, helping you to be able to have respect for others, maintain focus to achieve other goals and also to help overcome problems and situations. Then there is the physical release that martial arts bring whether it is working on your forms, during sparing or breaking boards. Another way that martial arts helps bring tension release and peace top the mind and body is the mental preparation and focus bring a single mind to the task at hand creating self-control, self-restraint and a mental readiness to handle potentially stressful situations and diffuse them easily.

WARNING: Approach With Caution Calendar Print - Let other people know that you need to be approached with caution with the "WARNING: Approach With Caution" 3D Industrial Metal Looking Sign Mega Cool Shirts, Sweatshirts, Clocks, Stickers, Mugs And More. Makes an excellent gift for those that are slighty tempermental too!

Die Umschau ist das älteste, regelmäßig erscheinende Magazin im deutschen Fernsehen. Die Sendung hat eine bewegte Geschichte: Das einstige DDR-Wissenschaftsmagazin, das mit revolutionären Themen Furore machte, läuft heute als Wirtschaftsmagazin mit Schwerpunkt Ostdeutschland im MDR . Die Zuschauer sind ihm treu geblieben.

Editorial on the potency of great orators, and encouraging a Hare Krishna peace march event.

Fine Art Lending Thrives Thanks to Yield-Hungry Hedge Funds https://ift.tt/37yzTcG

(Birmingham, AL) The most recent fallout from the mortgage crisis that began last summer is now rearing it's ugly head in the form of Fannie Mae approved loans that cannot get insured by Mortgage Insurance companies.

Mortgage insurance companies, spurred on by recent recommendations in congress, are tightening their credit standards for providing insurance. Without mortgage insurance, borrowers are forced to provide a down payment equal to 20% of the purchase price of a home - something very few home buyers can afford to do. Just this past week, mortgage insurance companies raised their credit score requirement to 620, effectively cutting out 50% of home buyers from the home buying market. The move came unnanounced and without any notice to lenders or to Fannie Mae.

In fact, lenders are still approving loans that meet Fannie Mae guidelines for purchase in the secondary market, but then find, just before closing, that there is no mortgage insurance available to insure the loan. Without insurance on money loaned that is over 80% of the value of the property, the loan is declined. Buyers that have a "loan approval" from a lender should immediately ask their lender if the lender can get their loan insured. Otherwise, homebuyers could spend hundreds and even thousands in the days leading up to the closing only to find, at the last minute, that loan insurance is not available to them.

This move by the Mortgage Insurance companies will only add fuel to the fire that is the current US Housing market. By effectively eliminating more home buyers from the market, at a time when the housing market needs more buyers, not fewer, the mortgage insurance companies have put another nail in the coffin of the housing market. The resulting effect on the market will be an even bigger drop in home prices. The immediate impact of this new policy will be felt quickly in the market, not over time as has been the case with loan defaults, adjusting loan interest rates, and foreclosures.

Be forewarned: if you are a seller, drop your price now before the market itself forces an even larger price reduction. If you are a home buyer, your credit score must be above 620 or you cannot get a loan.

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January 24, 2006 – Yesterday, Ameriquest Mortgage agree to pay $325 million in restitution to those who had borrowed money from the company. The agreement settles legal disputes with 49 states and the District of Columbia, and is the second largest in US history.

Catégorie - GROUPES » Genre - Country

Aerospace startup Natilus is taking on the biggest players in civil aviation, unveiling its plans to build its Horizon Blended Wing Body (BWB) passenger/cargo liner that can carry 200 passengers from New York to London with 50% lower emissions.

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Category: Aircraft, Transport

Tags: blended wing, Airlines

Spotify heeft er in het derde kwartaal 14 miljoen maandelijks actieve gebruikers bijgekregen, waarmee het totale aantal luisteraars wereldwijd op 640 miljoen kwam, een stijging van 11 procent ten opzichte van een jaar eerder...

Living walls, organic materials and sustainable textiles invite curiosity and elegance into your home

oday, I'm talking with friend and author Angela Doll Carlson about living the liturgical year. From logistics and practicalities to marriage and community, there's a little something for everyone in this episode (yes, even men!).

Frederica Mathewes-Green reads her essay, "Why They Hate Us."

With the New Year around the corner, people are making decisions about which diet to try. In this episode, Rita shares what the research shows about eating the Holy Orthodox way. 

Did you ever try to find something even remotely Orthodox in your local superstore, gift shop, or bible book store? Chances are, you'll find all manner of things purporting to be spiritual, religious, new-fangled and Christian -- though nary even a wall calendar reflecting the Ancient Faith. Besides, what should you do when you do find one?

Fr. John discusses the spiritual transformation of time by Christianity.

Fr. Theodore Paraskevopoulos explains the significance of the spiritual calendar and the beginning of the Ecclesiastical New Year.

The Christian faith is based on an event that took place in a specific place at a specific time in history; God instructs us through history, and we are to be learners. Fr. Pat gave this homily on Christmas Eve several years ago.

The project's organiser says she wants to show the vibrant lives led by the care home residents.

1. Notre-Dame de Paris : discours d'Emmanuel Macron, première messe, ouverture au public… Découvrez le calendrier de la réouverture de la cathédrale  franceinfo
2. Réouverture de Notre-Dame : Emmanuel Macron s’exprimera «sur le parvis» de la cathédrale  Le Figaro
3. Réouverture de Notre-Dame de Paris : le calendrier dévoilé, une bonne nouvelle pour les visiteurs  actu.fr
4. Notre-Dame : la cathédrale ouvrira au public du 8 au 14 décembre "jusqu'à 22 heures"  RTL
5. Cérémonies, huit jours de fête, visites: ce qu'il faut savoir sur la réouverture de Notre-Dame de Paris  BFM Paris Ile-de-France

The use of blended learning is well suited for classes that involve a high level of experiential inquiry such as internship courses. These courses allow students to combine applied, face-to-face fieldwork activities with a reflective academic component delivered online. Therefore, the purpose of this article is to describe the pedagogical design and implementation of a pilot blended learning format internship course. After implementation, the pilot class was assessed. Results of the survey and focus group revealed high levels of student satisfaction in the areas of course structure, faculty-student interaction, and application of theory to the “real-world” experience undertaken by students during the internship. Lower levels of satisfaction with the course’s academic rigor and a sense of community were also reported. Notably, students with experience in blended learning expressed lower levels of overall satisfaction, but reported higher levels of satisfaction with the course’s rigor and sense of community. The paper concludes by offering implications for instructors seeking to implement blended learning approaches.

Aim/Purpose: This paper reports on a case study project which had three goals; to develop a suite of original interactive digital skills e-tutorials to be embedded in undergraduate and postgraduate courses; to evaluate the students’ experience and engagement with the e-tutorials over one semester; and to explore their general attitudes towards online and blended learning. Background: Online and blended learning modes continue to grow in popularity in higher education, with the aim of streamlining and enhancing student learning, supporting collaboration and creativity, and equipping students with the skills they will require to work and live in an increasingly digitized world. This practice-based case study highlights factors which positively and negatively affect user engagement with digital learning objects and explores students’ perceptions of the role of online learning within their academic programs. Methodology: A suite of nine interactive e-tutorials, addressing essential digital literacy skills for university students, was developed through instructor and student peer collaboration using Articulate software, informed by best practice. The e-tutorials were embedded in the institutional Learning Management System for three undergraduate and postgraduate courses, in which digital literacy formed the core learning content, to complement classroom-based learning. Students in these courses were surveyed via SurveyMonkey about their specific experience of using the e-tutorials, as well as their general perceptions of digital literacy and online learning. Eighty-six students in total completed the questionnaire, which consisted of twenty-three closed- and open-ended questions. Contribution: Through highlighting both the positive and the challenging aspects of the students’ reported experience of online learning, this case study contributes useful insights to the body of literature on user engagement with digital learning objects in higher education, as well as students’ perceptions and experience of blended learning. Findings: The e-tutorials were perceived as valuable in reinforcing classroom learning, allowing respondents to revise concepts and materials covered in face-to-face classes, at their own pace and in their own time. Survey responses showed that the accessibility, ease-of-use, design and duration of the e-tutorials were deemed effective in terms of user engagement; however, several technological challenges were identified, such as browser incompatibility, uneven sound quality and general Internet connection issues, which disrupted their learning. Overall, students expressed enjoyment of the learning facilitated by the e-tutorials; however, rather than favoring online learning alone, they expressed a preference for a blended learning environment, with a combination of complementary learning approaches; survey respondents did not generally wish to forego face-to-face classes entirely. Recommendations for Practitioners: Instructors should seek to strategically embed interactive digital learning objects in their courses at defined points of need in a logical structure, e.g., to reinforce classroom-based learning, or to support specific skill development. Potential disruption to learning should be minimized by following best practice guidelines to ensure ease of access, a seamless user experience, and timely feedback, as well as providing adequate support for rapid resolution of technical glitches. Recommendation for Researchers: E-tutorials offer a useful means of exploring ways in which students acquire learning in the digital environment. A wider, collaborative exploration is needed to provide comparative studies which move beyond case studies. Impact on Society: Online learning mechanisms, such as e-tutorials, offer students different means of acquiring essential literacy skills and different ways to interact with content. E-tutorials constitute reusable learning objects, which can be accessed as just-in-time delivery modes, when students perceive they need to review particular skills or reinforce learning material. Future Research: This research is now expanding into different types of reusable learning objects. E-tutorials may be developed in multiple ways, and comparative research around e-tutorial models will deepen our understanding of how students interact with content in formal learning contexts. As the digital educational landscape continues to expand alongside traditional face-to-face and analogue learning modes, a key research focus will be student and instructor perceptions and experience of blended learning in different contexts.

Many higher education institutions are moving towards blended learning environments that seek to move towards a student-centred ethos, where students are stakeholders in the learning process. This often involves multi-modal learner-support technologies capable of operating in a range of time and place settings. This article considers the impact of an Audience Response System (ARS) upon the ongoing development of an Information Systems Professional course at the Masters level in the College of Business at Victoria University in Melbourne, Australia. The course allows students to consider ethical issues faced by an Information Systems Professional. Given the sensitivity of some of the topics explored within this area, an ARS offers an ideal vehicle for allowing students to respond to potentially contentious questions without revealing their identity to the rest of the group. The paper reports the findings of a pilot scheme designed to explore the efficacy of the technology. Use of a blended learning framework to frame the discussion allowed the authors to consider the readiness of institution, lecturers, and students to use ARS. From a usage viewpoint, multiple choice questions lead to further discussion of student responses related to important issues in the unit. From an impact viewpoint the use of ARS in the class appeared to be successful, but some limitations were reported.

Aim/Purpose: Blended learning can transform students experience and learning in higher education. Although the literature extensively explores benefits of blended learning, limited research exists to provide a detailed design principle for implementing instructional activities in blended courses and its usage as tool to influence learning outcomes for second language first year accounting learners. Background: The objective of this study is to find out how the learning experience of students was impacted and by designing and implementing blended learning and connectivity between online and face-to-face learning. This paper reviews the challenges and benefits of blended learning and highlights teachers’ and students’ perceptions on the impact of the connectivity of online and face-to-face activities on students’ learning. Methodology: Data was collected from students enrolled in the course using an open-ended questionnaire. There were 220 respondents, representing a response rate of 65%. Data was extracted from the online learning data and grade center. Teachers’ experiences and observations were also noted. The survey results were analyzed using content analysis. Contribution: Research focusing on blended learning design and implementation is limited, and there is no one size fits all when it comes to blended learning. Consequently, this paper contributes to the discussion by highlighting how second language, first-year accounting students benefit from blended learning and the connectivity between online and face-to-face activities. Increased flexibility for learners appears to be one of the most cited rationale for the combination of traditional with online instructional methods, however, this study evaluates blended learning as a tool for transforming the learning experience of second language, first year accounting students. Findings: Findings show that students benefit from blended learning, and connectivity between online and in-class activities allows students to exploit the advantages of both online and face-to-face learning. Students can see the relevance of what they are doing online and how that contributes to their in-class activities and, hence, are motivated to complete the activities. Recommendations for Practitioners: Educators should use a well-designed blended learning pathway to empower students to be in charge of their learning. Placing materials online creates more and better opportunities for engaging students in class. Institutional support is important when implementing blended learning. Recommendations for Researchers: There is a need for more studies on blended learning design and implementation. Future researchers may carry out more studies on how blended learning design affects student engagement and learning for second language learners in other courses. Impact on Society: A blended learning pathway would greatly benefit second language learners to learn better and empower them to be more independent as a self-directed learner who is able to utilize their time wisely. Community of practice is an excellent platform to encourage teaching teams to work together and create innovative teaching and assessment materials. Future Research: Future studies may carry out the study using other methods for example quantitative surveys and interviews to get a deeper understanding of both students and teachers’ perceptions and experiences.

Aim/Purpose: The aim of this study was to examine the sense of challenge and threat, negative feelings, self-efficacy, and motivation among students in a virtual and a blended course on multicultural campuses and to see how to afford every student an equal opportunity to succeed in academic studies. Background: Most academic campuses in Israel are multicultural, with a diverse student body. The campuses strive to provide students from all sectors, regardless of nationality, religion, etc., the possibility of enjoying academic studies and completing them successfully. Methodology: This is a mixed-method study with a sample of 484 students belonging to three sectors: general Jewish, ultra-orthodox Jewish, and Arab. Contribution: This study’s findings might help faculty on multicultural campuses to advance all students and enable them equal opportunity to succeed in academic studies. Findings: Significant sectorial differences were found for the sense of challenge and threat, negative feelings, and motivation. We found that the sense of challenge and level of motivation among Arab students was higher than among the ultra-orthodox Jewish students, which, in turn, was higher than among the general Jewish student population. On the other hand, we found that the perception of threat and negative feelings among Arab students were higher than for the other two sectors for both the virtual and the blended course. Recommendations for Practitioners: Significant feedback might lessen the sense of threat and the negative feelings and be a meaningful factor for the students to persevere in the course. Intellectual, emotional, and differential feedback is recommended. Not relating to students’ difficulties might lead to a sense of alienation, a lack of belonging, or inability to cope with the tasks at hand and dropout from the course, or even from studies altogether. A good interaction between lecturer and student can change any sense of incompetence or helplessness to one of self-efficacy and the ability to interact with one’s surroundings. Recommendations for Researchers: Lecturers can reduce the sense of threat and negative feelings and increase a student’s motivation by making their presence felt on the course website, using the forums to manage discussions with students, and enabling and encouraging discussion among the students. Impact on Society: The integration of virtual learning environments into the learning process might lead to the fulfilment of an educational vision in which autonomous learners realize their personal potential. Hence they must be given tasks requiring the application of high learning skills without compromise, but rather with differential treatment of students in order to reduce negative feelings and the sense of threat, and to reduce the transactional distance. Future Research: Further studies should examine the causes of negative feelings among students participating in virtual and blended courses on multicultural campuses and how these feelings can be handled.

Aim/Purpose: This study investigates the intention to invest in online peer-to-peer (P2P) lending platforms among the bottom 40% (B40) Malaysian households by income. Background: The B40 group citizens earn less than USD 1,096.00 (i.e., RM 4,850.00) in monthly household income, thereby possessing relatively small capital investments suitable for online P2P lending. Methodology: Drawing on the technology acceptance model (TAM), this research developed and tested the relevant hypotheses with data collected from 216 respondents. The partial least square structural equation modelling (PLS-SEM) technique was employed to analyse the collected data. Contribution: This study contributes to the body of knowledge on financial inclusion by demonstrating the relevance of modified TAM in explaining the intention to invest in online P2P lending platforms among investors with lower disposable income (i.e., the B40 group in Malaysia). Findings: The findings revealed that information quality, perceived risk, and perceived ease of use are relevant to B40 investment intention in P2P online lending platforms. However, contrary to expectations, trust and financial literacy are insignificant predictors of B40 investment intention. Recommendations for Practitioners: The P2P lending platform operators could enhance financial inclusion among the B40 group by ensuring borrowers provide sufficient, relevant, and reliable information with adequate security measures to minimise risk exposure. The financial regulators should also conduct periodic audits to ensure that the operators commit to enhancing information quality, platform security, and usability. Recommendation for Researchers: The intention to invest in online P2P lending platforms among the B40 group could be enhanced by improving information quality and user experience, addressing perceived risks, reassessing trust-building strategies and financial literacy initiatives, and adopting holistic, interdisciplinary approaches. These findings suggest targeted strategies to enhance financial inclusion and investment participation among B40 investors. Impact on Society: The study’s findings hold significant implications for financial regulators and institutions, such as the Securities Commission Malaysia, Bank Negara Malaysia, commercial and investment banks, and insurance companies. By focusing on these key determinants, policymakers can design targeted interventions to improve the accessibility and attractiveness of P2P lending platforms for B40 investors. Enhanced information quality and ease of use can be mandated through regulatory frameworks, while effective risk communication and mitigation strategies can be developed to build investor confidence. These measures can collectively promote financial growth and inclusion, supporting broader economic development goals. Future Research: Future research could expand the sample size to consider older B40 individuals across different countries and use a longitudinal survey to assess the actual investment decision of the B40 investors.

7 -ELEVEN MALAYSIA carries on its goodwill by launching ‘Lend a Helping Hand 2021’ campaign to provide relief and help ease the burden of beneficiaries whom are impacted by the Covid-19 pandemic in the country as well as to our heroic frontliners that are working tirelessly to keep us all safe.

From now until July 4, 2021, the public is encouraged to contribute through the campaign by purchasing necessities and supplies from 7-Eleven stores nationwide and placing them into the collection box. Supplies could range from instant food, groceries, beverages, medications, and other household cleaning essentials found in the store. The public may also drop off essential general supplies into the collection box and the contributions will then be channelled by 7-Eleven to the nearest beneficiaries in each area nationwide including government hospitals and medical clinics, other civil service frontliners, charity homes such as those for the elderly and children, public universities, students’ dormitories and more. Contribution handovers will have necessary precautions in place such as minimal interaction between donor and recipients with the collected items dropped off outside the recipient’s facility wherever possible.

7-Eleven Malaysia’s General Manager of Marketing, Ronan Lee, said: “Everybody can play a part to lend a hand during these trying times and we can always count on the extraordinary kind generosity of the public in supporting our efforts of providing any form of relief to the disadvantaged communities as well as our relentless frontliners who have been heroic in the face of unprecedented adversity. We are all in this together and let us all stay strong together and be there for each other as #KitaJagaKita.”

“While the pandemic has been difficult for most Malaysians, there are communities who are more adversely impacted by the pandemic than the others, especially the B40 communities. In acknowledgement of this, it is more critical than ever before for us to shore up our support and deliver the necessary aid to them, not forgetting the frontline workers as well for their resilience, compassion and gallant efforts. At 7-Eleven Malaysia, we want to ensure that no one is left behind in these challenging and unprecedented times,” Lee added.

For more information on ‘Lend a Helping Hand 2021’ campaign, please visit www.7eleven.com.my or follow our official social media pages @7ElevenMalaysia.

In response to growing customer demand, stores of all stripes are bringing out their festive collections weeks before the Nov. 1 start of the holiday shopping season.

The post Eggnog before Thanksgiving? Shoppers eager for a new season scramble retail calendars appeared first on Boston.com.

The brand said it expects to operate as The New Tupperware Co. upon completion of the deal.

The post Court approves Tupperware’s sale to lenders, paving way for brand’s exit from bankruptcy appeared first on Boston.com.

For the past few years here at Walls & Ceilings magazine, we’ve been considering the fundamentals of traditional plasters.

Take the edge off your workday with the DuraBlend Edge. Crafted from rugged, full-grain leather, the waterproof work boot features Georgia Boot’s best-selling AMP Insole and DuraBlend Midsole for exceptional comfort.

DuPont offers organizations one of the industry’s most powerful suites of blended-learning solutions – including instructor-led training, online training and traditional media.