#Loan origination solutions

[allcloudindia]

Loan Origination Software

Discover essential features to consider when choosing loan origination software and unlock the potential to streamline your operations with the right solution.

[next-target]

Unity Small Finance Bank doubles SCF book with revamped volume strategy, delivered on UnciaChain

Unity Small Finance Bank is promoted by Centrum Financial Services, part of the diversified Centrum Group. Resilient Innovations Pvt. Ltd (BharatPe) is an investor in the Bank. The Supply Chain Finance (SCF) business was started before the formation of Unity Bank by Centrum Financial Services in 2017. They were among the pioneers entering India’s SCF sector. When they launched their SCF business, they strategically targeted large corporations to expand their operations.

In line with their strategy, they acquired the entire L&T Finance’s SCF portfolio, which majorly involved L&T as an anchor and all their suppliers/vendors as counterparties. However, India’s Supply Chain Finance (SCF) market became intensely competitive due to small profit margins and bank’s high cost of funds. Consequently, there came a point when they began reducing their portfolio.

Amidst these changes, Centrum Financial Services along with BharatPe formed Unity Bank. They rethought their strategy, focusing on mid mid-market anchors while expanding into both the Vendor and Dealer Finance segments. This shift required Unity Bank to onboard a larger number of anchors as compared to targeting large corporations.

To implement this new approach, Unity needed an efficient digital SCF back-office system combined with robust Loan Origination System (LOS). They aimed for a complete digital transformation, creating an end-to-end digital ecosystem for SCF. This transformation would enable them automated onboarding and underwriting of anchors and counterparties along with digital servicing during discounting process, providing a competitive edge in the market.

After an extensive evaluation of products available in the market, Unity chose UnciaChain as their platform of choice. Uncia’s in-depth understanding of Unity Bank’s business needs reflected in the bank specific solution walkthrough, backed by strong references from exiting UnciaChain users tilted the scale in Uncia’s favor.

UnciaChain designed as a cloud native, multi-tenanted SaaS-based solution, is built on cutting-edge microservices architecture. Functioning as a tri-party system, it enables Financial Institutes (FIs) to digitally onboard their anchors and counterparties, granting them platform access via portals for seamless digital transactions. The platform is API-driven and boasts high automation levels, effectively eliminating the need for manual intervention through Straight Through Processing (STP).

With comprehensive functional coverage, the platform comes pre-mapped with fifty-one predefined SCF product variations covering practically every SCF nuance within the Indian market, catering to both the Dealer and Vendor sides. It features a standalone limit management system, a Business Rule Engine, and UnciaStudio. UnciaStudio empowers users to reduce dependency on external support by enabling them to launch new products, configure rates and charges, manage user access restrictions, and more, independently. Designed for a seamless user experience, the platform automates the entire SCF business ecosystem, offering efficiency and ease of operation. Designed for a 30-day Go-Live, out of the box, the UnciaChain design dramatically reduces both the need to write custom code to meet a nuance, as well as the lead time for custom development, where it is unavoidable.

Uncia proposed the implementation in two phases. The first phase involved implementing the entire back office, allowing Unity Bank to transition into the new business ecosystem swiftly and immediately reap its benefits. In the second phase, Uncia worked closely with Unity, to build a bank specific Loan Origination Software (LOS) to cater specifically to their requirements, providing them with a substantial competitive edge.

As part of the project, Uncia facilitated integrations with Karza, Perfios, CIBIL, AML, and Posidex, enhancing Unity’s operational capabilities and competitiveness. These integrations collectively empower Unity with a holistic view of their customers, streamlined operations, improved risk assessment capabilities, and enhanced data accuracy. This suite of integrations ensures that Unity Bank can make informed decisions swiftly, maintain regulatory compliance, and deliver an elevated level of service to its clients.

The implementation of the supply chain finance platform was accomplished within 3 calendar months, while the LOS was completed within 6 calendar months. Parallelly, a complete data migration of 20,000 loan accounts was achieved within the same timeframe.

Unity Bank gained a significant competitive advantage through the implementation of the customized Lending Origination System (LOS). This system empowered them to digitally onboard and underwrite their anchors, and bring their complete ecosystem along with the counterparties in a complete digital mode to the platform. A comprehensive rollout of the integrated platform was executed across all branches and with partner institutions.

Before the platform implementation, Unity Bank operated with a book size of INR 400 Crores. Since the implementation, the bank has scaled its operations significantly to a book size of more than INR 1000 Crores within 6 months. This impressive business growth can be attributed to the establishment of a comprehensive digital ecosystem, reduced manual dependencies, and the implementation of robust compliance reporting mechanisms. By leveraging cutting-edge technology and strategic partnerships, Unity Bank is well-positioned to continue its trajectory of success in the dynamic landscape of the financial industry.

[best-loan-origination-system]

Unity Bank Partners with Uncia for its Supply Chain Finance Platform Uncia Chain

Uncia Technologies today announced the go-live of Uncia Chain, its state-of-the-art Supply Chain Finance platform, at Unity Small Finance Bank Limited (Unity Bank), a new-age, digital-first bank.

Unity Bank is a scheduled Commercial Bank, offering digital first banking solutions. Its core businesses include Branch Banking, Business Banking, Inclusive Banking and Digital Banking and services over 15 lakh customers PAN India. It commenced operations in November 2021 and in a short span has built a sizeable loan book of over Rs. 7,000 crores and a Deposit base of approx. Rs 5,000 crores.

Uncia Technologies is a pure-play SaaS product company in the Digital Lending space, and its digital Loan Origination, Loan Management, and Supply Chain Finance platforms enable efficient processing and accurate daily lending transactions for over 1 lakh crore across banks and NBFCs in India.

Uncia Chain, its flagship Supply Chain Finance (SCF) platform, is designed to provide a hassle-free implementation journey for its customers. It offers a feature-rich product suite that houses all business constructs the physical Supply Chain industry looks up to, for its financing needs. It effortlessly manages to handle all functions of a three-party financing construct by bringing buyer, seller and lender in one platform, by providing templatized variations of all onboarding and transaction journeys that occur between these parties. Uncia’s ability to be cloud-agnostic, database-agnostic, and efficient in ERP integration constructs, has enabled it to elevate Uncia Chain to a highly configurable, rapid deployment framework. Case in point being the implementation of Uncia Chain for Unity Bank, which was accomplished in less than 100 days.

In an industry dominated by one-time license fees and protracted implementation processes, Uncia stands out by offering a set of pre-defined productised services. This novel approach defines Uncia’s Go-Live methodology, streamlining the post-Go-Live journey and eliminating the friction associated with exasperating change requests.

G.L Kumar, Chief Business Offer – Business Banking, Unity Bank, said, “Unity Bank is committed to delivering a seamless digital banking experience, and this collaboration with Uncia Chain aligns perfectly with our mission. Uncia Chain’s robust and agile platform provides us with a seamless and rapid deployment framework. We are particularly impressed with their cloud-agnostic and database-agnostic capabilities, which align perfectly with our vision of collaboration and open architecture.”

Hari Padmanabhan, Chairman, Uncia Technologies, said, “Reaching this milestone serves as a testament to our steadfast pursuit of excellence and customer satisfaction, achieved by leveraging our pre-configured, highly agile, rigorously tested, and supremely secure SCF platform. One of the most notable accomplishments of this enterprise Go-Live was its migration from the existing platform and completion in less than 100 days. We look forward to working with Unity Small Finance Bank as it leverages the robust capabilities of our platform to support its ambitious plans.”

About Unity Small Finance Bank Limited

Unity Small Finance Bank Limited is a Scheduled Commercial Bank, promoted by Centrum Financial Services Ltd. (Subsidiary of BSE & NSE listed – Centrum Capital Ltd.) with Resilient Innovations Pvt Ltd as a joint investor. It strives to be a Digital First Bank with a business model of collaboration and open architecture, uniting all its stakeholders to deliver a seamless digital banking experience. Driven by its mission to have the highest standards of Corporate Governance, Unity Bank has in place a strong Board comprising of industry veterans. It offers services across Branch Banking, Business Banking, Inclusive Banking, Digital Banking and Treasury Services. For more information about Unity Bank and its services, please visit www.theunitybank.com.

About Uncia Technologies

Uncia Technologies, formerly known as ThemePro Technologies Private Limited, was established in the year 2020. Uncia is a young enterprise application software product company addressing Banks and NBFCs with a comprehensive suite of pure-play SaaS products designed to meet the ever-changing Digital Lending space, encompassing Loan Origination, Loan Management, and Supply Chain Finance. Uncia boasts a formidable and referenceable marquee client list across Banks and NBFCs, where it has achieved unprecedented success in rapid go-to-market (GTM) with its innovative product and delivery models. For more information about Uncia Technologies and its products, please visit https://uncia.ai/.

[salesforceconsultant]

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[yuurei20]

Hullo! I was wondering, is there info anywhere on how much a madol/thaumark is worth? Like, do we have any ideas about what a potential rate of exchange is or something like X number of thaumarks is expensive, Z number is cheap?

Hello hello! Thank you for this question! :>

While not explicitly stated anywhere, the original game's "madol" might be based on Japanese yen, while EN's "thaumarks" are likely based on USD!

While not the case at the moment due to the weakened yen, it used to be that 1 yen = 1 cent USD, and thus 100 yen = 1 dollar USD, which is how the currency was updated for EN: take the original price of something and remove the last two digits, and you have your madol-to-thaumark exchange rate!

Here are some examples from in-game:

An interesting result of this rate-exchange is that it was not updated within the game mechanics in the move to EN!

This makes sense as EN players would require far fewer thaumarks for shop purchases and leveling if the exchange rate was obeyed, but it means that EN players are paying $80,000USD for leveling that technically only costs $800USD.

The two zeroes are being removed from dialogue, but kept in tact everywhere else!

This change over from yen to USD resulted in a challenge for Aniplex USA: sometimes characters will say that something costs 1 madol, which is 0.01 thaumarks. As 1 madol = 1 yen (1 cent USD) this is something the original game can do with madols, but EN cannot do with thaumarks.

Aniplex USA's solution? Invent an entirely new form of currency that does not exist in the original game! :> Thus "sorcents" were born!

Interestingly, there have been at least two instances of EN not adhering to its own exchange rate:

The Albert chain that Kalim loans to Lilia is said to be 10,000,000 madol/yen which should be only 100,000 thaumarks/USD, but it was translated literally as "10 million thaumarks," instead.

And in the Prologue the chandelier is 1 billion madol/yen, so it should be only 10 million thaumarks/USD, but for some reason it was translated literally as "1 billion thaumarks," instead. Interesting!

A few more examples of the exchange rate at work:

Jamil haggles for a lamp during Firelit Sky, getting it down from 10,000 madol/yen (100 thaumarks/USD) to 7,000 madol/yen (70 thaumarks/USD).

Ruggie sells 30 cat carvings to Kalim for 60,000 madol/yen (600 thaumarks/USD).

Ruggie asks about a jeweled bracelet valued at 1,000,000 madol/yen (10,000 thaumarks/USD).

Jamil calculates for Grim how two shares of the 5,000,000 madol/yen (50,000 thaumarks/USD) prize for winning the VDC equals 1,420,000 madol/yen (14,200 thaumarks/USD).

[vegaseatsass]

I have to confess I really thought Tong was soooooo funny and cute throughout that entire episode.

- Divorced May to ??? protect her from the loan sharks, maybe? ideally? - But then when he's absolutely terrified for his miserable life and needs to go beg someone to help him not die, and the logical person would be the woman who actually loves him - or else idk family? Does Tong have parents? Does he, the movie star who has been established and famous for years, know any people who aren't 1. Ming's family or 2. Tong's stunt man? Even if they can't pay Tong's hundreds of millions of baht debt surely they could help him brainstorm solutions, disappear from the country, lmao something - but no he goes to kneel and beg before: his stunt man. - He claims it's because Joe can convince Ming to convince his canonically unconvinceable father to save Tong's life after exploiting his family and committing fraud with his businesses - (again, Tong does this instead of trying to convince May, a person who actually has any reason to want him to live, to convince her father) - but I think it's because he's used to going to his stand-in as a kind of everyman who can do anything Tong cannot - and because he thinks being able to do action moves on-set means being able to fight off a whole armed gang irl - Loan shark: This is real life. There's no stand-in to take the fall for you this time. Tong: Wow! Thank you for the promising, life-saving suggestion!!! - Never in a million years should any of this have worked out for him - NEVER should TONG'S STUNT MAN ever eeeeeever have been someone Tong could convince to go get kidnapped by mobsters in his stead!! - HOWEVER, Tong says the magic word, Joe's insanity trigger: orphan - (not an accurate word choice because even if Tong died May was always going to be alive and fine) - There's no way he knows this is Joe and that this is a leverageable issue for Joe, and even if this was Joe in his original body, there's no way Tong listened to his family backstory and remembered it and cared - No, this successful manipulation from our career manipulator was pure, pratfalling happenstance - And lo and behold: Tong the movie star's stunt man saves his fucking life.

All of that would be hilariously endearing enough on its own, but then after Tong convinces this man he (thinks he) barely knows to let a bunch of men with guns throw him in their van, he decides he simply can't live with himself if the guy he sent to die for him dies for him. So he - tries to blackmail his terrifying father-in-law - using blackmail material someone else exerted all the effort gathering (classic Tong) - material which hinges on using Tong's crimes and failures (classic Tong!) to strongarm his terrifying father-in-law into obeisance - which is now stale and outdated; father-in-law sealed up that particular hole in his armor days ago which either of his sons could have told you he would have done, you strike with the element of surprise or not at all - and thus, his reckless blackmail attempt is functionally useless and utterly, utterly pointless.

IT'S ADORABLE. Do you hear me. Adorable. He tried to character grow!! After unbelievably, successfully incurring a life debt from his stunt man!! He tried to pay that one (1) single debt back!! And it flopped!!! Awwwww

[lackablazeical]

🩵🌙Usagi Miyamoto🌙🩵

Specific trigger warnings -

Abusive/toxic relationship, codependency, self harm, depression, suicidal thoughts/ideation, child abuse, disassociation, paranoia/delusional thoughts, major character death

Specific boundaries w/ this character -

Do not victim blame Usagi. (I.e, "I bet Usagi likes the attention", "why doesn't he just tell people", etc)

Do not ship Usagi with anyone.

General info -

Usagi's birthday is March 4th. He is a Pisces ♓️

Usagi's love language is Acts of Service.

Usagi is demisexual with exclusive attraction to non-women.

Usagi has PTSD (Post Traumatic Stress Disorder).

Usagi has MDD (Major Depressive Disorder).

Usagi has Agoraphobia.

Personality traits -

Usagi is quiet, withdrawn, shy, self-sacrificing, depressed, logical, responsible, pessimistic, and routine oriented.

Usagi is very quiet and withdrawn. Many of his co-workers assumed he was mute because of this. He never attends social gatherings and prefers to stay home.

Usagi is self-sacrificing, and will do anything for those he loves, even if it means sacrificing his own life or happiness.

Usagi has depression, and often feels completely empty or numb. He is not very 'active' in terms of his depression, and would rather just stay in dull routine.

Usagi is logical, able to critically think about problems and find solutions on the fly.

Usagi is incredibly responsible, wanting to fawn everyone around him and fix their problems and mistakes.

Usagi is pessimistic, never expecting the best. This can make him a bit of a pain to be around sometimes.

Important details -

His beliefs -

Usagi's element is water.

He feels connected to any type of water, but specifically rain, ponds, lakes, oceans, and puddles.

Usagi does not flavor his drinking water because of this. He also does not drink out of straws.

Usagi loves sitting in rain, and he loves being able to relax by bodies of water.

Usagi will prefer baths to showers, so he can soak in water.

Usagi prays over the first water he drinks of the day. He manages to stay well hydrated.

His dynamic with Leo -

Usagi is a victim of Leo's abuse.

Usagi hates Leo, but has been manipulated into being dependent on him. Usagi feels like he is nothing without Leo.

Usagi was originally extremely against ever being around Leo, but as time progressed, started feeling the opposite way. Usagi often doesn't know what to do with himself when Leo is not around.

Usagi often screams at, kicks, and punches Leo, often in an attempt to get him to stop what he is doing and leave Usagi alone.

Usagi needs Leo's permission for everything he does, and is terrified of somehow making Leo mad.

Usagi would never leave Leo, as he knows that would never work, and likely risk the safety of his family.

Usagi barters affection or makes up 'games' in order to get Leo to do what he wants. It's often in a desperate attempt to get Leo to actually listen to him. This only works about half the time.

When around Usagi's family, Usagi will put on a mask and fake interest (and even enjoyment) of Leo's actions as to not concern his family and risk them finding out about Leo's abuse.

Usagi will often just listen to what Leo tells him to do, as the fight is often worse. Sometimes, though, he may press back, and he gets swiftly reminded of why that is a bad idea.

His life in the Hidden City -

Usagi often worked many odd jobs at once, sometimes working up to 70-80 hour weeks. He would lie about his age to be hired, and often worked below or just barely at minimum wage.

Usagi ran into debt multiple times, because he wasn't aware of how loan sharks (or American currency) functioned. He was often tracked down because of this, but always managed to weasel out of it or evade then.

Usagi had no friends, and was known as very anti-social to anyone that even knew of his existence.

Usagi had lived in one cheap, dingy apartment the whole five years he lived there. He couldn't afford to move.

Fun facts -

Usagi's favorite food is any type of produce with salt, and his favorite drink is plain water.

Usagi self-harms.

Usagi prefers having long sleeves he can roll up, to having short sleeves.

Usagi hates being pinned on his stomach.

Usagi is a ritual cleaner, and deep cleans everything he owns fairly often.

Usagi is a good cook.

Usagi hates all sweet foods but mooncakes.

Usagi hates being touched.

Voice claim [Steven Yeun] -

Tags including Usagi -

#addams! Usagi, #addams! Leosagi, #addams! Miyamotos

[iri-desky]

Genshin Impact Tumblr Simulator

🌠 TeyvatTraveler101 follow

Emergency food for sale! Visit Mondstadt at 7:00 PM tommorow night for FREE RATIONS!

✨️ Paimon-Is-The-Best

TRAVELER WHY DO YOU HURT ME IN THIS WAY

156 notes

🎨 Kriedeprinz

Sometimes I wonder what the essence of Teyvat's visions are. What makes them work? What makes them tick? I've repeatedly inspected my vision for any signs of their specific magical origin...as an alchemist, I would have already done multiple experiments on the object to determine it's nature. As a vision holder, however, it's my duty to keep it safe...even though it can be considered simply a tool.

🎨 Kriedeprinz

ScientificSugar asked: You heard about what I did with my vision when I first got it didn't you

Yup.

547 notes

🏴‍☠️ Totally-A-Pirate follow

Do NOT go to Angel's Share. Worst experience of my life, got thrown out at midnight into the street because the bartender said he didn't like me and my drinking buddy 🙁🙁🙁 what an asshole

🍷DilucOfMondstadt

I threw you out because you were to drunk. Please do not come to Angel's Share with the intention of inappropriate behavior.

🏴‍☠️Totally-A-Pirate follow

*too

🏴‍☠️Totally-A-Pirate follow

HE FUCKING BLOCKED ME LMAAAOOOOO

810 notes

🛡 is-varka-back-yet

No. No, Varka is not back in Mondstadt yet.

#please help us #we're losing mods #is varka back yet? #probably never #stay tuned #Varka #Mondstadt

360 notes

🐍drbaizhu

milk

🐍drbaizhu

Cocjo goadt

🐍drbaizhu

I cannt frember

🐍drbaizhu

Hi everyone! This is the Dr. Baizhu again. Sorry for the strange posts, Qiqi got her hands on my Tumblr account again and started posting. 😅 I've locked my phone with a code and wrote down the code in a secure place in the office, so not to worry! This won't happen again. 😊

🐍drbaizhu

Hey everyone, please stop reblogging this.

🐍drbaizhu

WHAT IS GOING ON WITH THE NOTES PLEASE HELP

🐍drbaizhu

Mulk

2,671 notes

🌝 sponsored

Glittering Mora is coming to YOU!

Need a new job? Need a quick loan? I have a solution for you!

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🐋 TarTarTaglia follow

TIL that my birth name, Ajax, is derived from an ancient legend that referred to a hero called The Great Ajax! I think it's pretty fitting, don't ya think?

🐋 TarTarTaglia follow

I've also been told that the name Ajax "was sometimes said to have been derived from the old expression aiai, meaning 'alas!'" And the great Ajax also killed himself with a sword

🐋 TarTarTaglia follow

Bro's still cool though imo

564 notes

💧 TheRealFocalors

Poll #489

4,890 notes

[hussyknee]

Def a good idea to delete theculturedmarxist’s stuff, he’s also a big-time propagandist/genocide denier type. It sucks that some tankies have gotten bigger platforms recently by strike blogging.

But yeah the banana thing is insane, I *think* the original poster was using it as an example of the fact that a more just society in the US is necessarily going to be a less convenient one because convenience often comes at the expense of (domestic and international) labor exploitation, and “non-domestic crops being available year-round” is an example of a luxury that came out of said exploitation, which is A Point (though I might’ve picked something like Amazon same-day delivery to argue it…)

But then people ran with it and made it about either How Do We Stop Big Banana Through Socialism or Here’s How Bananas Can Still Win. Both at the dehumanizing expense of now-theoretical Latin American laborers of course 🙃

Oh shit that's what's happening? Tankies coasting in on strike blogging?? Gdi.

Yeah I think that was the original point too. The thing is, that US leftists keep centering US consumer demand in everything, like the entire system of global labour and resource exploitation by multinational conglomerates, aided and abetted by the IMF and World Bank and the entire colonial power matrix, can be solved by yelling at enough people about their consumption. For people who are so obsessed with class, it seems to consistently escape them that Global North consumers are also exploited and disempowered by the same oligopolies and monopolies that pay producers pennies on the dollar and sell for prices that smaller and entry-level companies can't compete with. Even as an example, bananas in the US are priced way lower than what's profitable, just to keep a monopoly of consumers. And because so many companies in the West don't pay working class people a fair wage, they have to consume the cheapest, most convenient food stuffs. So when you talk about people reducing consumption of bananas, you're asking people dependent on the cheapest nutrient sources to bear the biggest loss.

This is exactly what we mean by "no ethical consumption under capitalism". It doesn't mean we give up on the entire issue, it means that the systems of production cannot be manipulated by consumer boycotts and individual ethics. Even if one product was taken off the shelves, whatever supplanted it would be just as unethical for some group of people. It means that the solutions need to be implemented top-down, not bottom up. Global North governments need to better regulate corporate behaviour, prioritise the well-being of workers and ecological chains involving production and transport, prevent monopolies by regulating prices, and encourage and incentivize local food supply networks. And also, as some from Colombia said in a reblog about the cocaine industry, economic stress must be taken off developing nations by forgiving their IMF and World Bank loans so that they can invest the profits from their export industries in reforming agriculture and social welfare systems.

I literally do not understand why, when people directly impacted by these conditions have clear and cohesive demands and action plans, Western liberals and leftists need to come up with these completely abstract, impractical, ego-centric bullshit to create endless discourse over. They don't actually care about engaging with activists, grassroots organizations and unions in the Global South, because that involves interrogating their own paternalism, privilege and bias, and narrows the scope for the clout-chasing dunk economy.

[beardedmrbean]

California Gov. Gavin Newsom rejected a blueprint to give undocumented immigrants unemployment benefits on Saturday, vetoing a politically sensitive measure that conservatives seized on weeks before the presidential election.

It was the third bill aimed at supporting noncitizens that Newsom has vetoed in as many weeks, as immigration continues to be a top issue in the election. The latest veto comes as the Democratic governor continues campaigning for fellow Californian Vice President Kamala Harris, who is facing attacks from former President Donald Trump on progressive policies in her home state.

In his veto message, Newsom contended the bill "sets impractical timelines, has operational issues and requires funding that was not included in the budget." The governor pivoted to the federal level, stating that Congress should not "abandon its responsibility to advance solutions that provide an earned pathway to citizenship for longstanding residents who hove contributed significantly and seek the opportunity to work and live without constant fear and uncertainty."

"California has taken important steps to advance inclusion and equity for undocumented workers and mixed-status families who contribute significantly to California's economy and local communities - all while bottling fear and uncertainty due to decades of inaction by Congress and cruel and false anti-immigration narratives," Newsom wrote.

Newsom added that "we can have a fair immigration system that works for families, U.S. workers, and employers, and also have a safe border."

Two weeks ago, Newsom cited funding concerns when he killed a proposal that would have made some undocumented immigrants eligible for state-sponsored home loans. He also rejected a bill that would require public universities to hire undocumented students without work permits, warning of legal risks.

The unemployment benefits measure would not have automatically given undocumented immigrants unemployment. Instead it would have required the state’s Employment Development Department to plan for a permanent program that would provide cash assistance to those workers, who are prohibited from receiving unemployment insurance under state law.

Newsom vetoed a similar bill in 2022 that would have created a pilot program, also citing funding. His finance department had opposed an earlier version of this year’s measure.

A coalition of more than 120 immigrant and worker rights organizations had pushed for the program to be enacted in an original version of the measure, but the proposal was reduced to a study bill after funding was not included in the budget for the second straight year.

The original version of the bill would have made the estimated 1.1 million undocumented workers in the state eligible for $300 a week in cash payments for the periods they were unemployed in 2025, provided that they meet a number of qualification requirements.

Research from the Community and Labor Center at UC Merced found that undocumented workers contribute billions of dollars annually in state and tax revenues. Advocates contend it is unfair they don’t receive benefits from the crucial safety net they are paying into.

California has helped undocumented immigrants who were out of work in the past, though only during emergency situations — the state provided Covid-19 disaster relief assistance in 2020 and aid to undocumented families impacted by winter storms in 2022 and 2023.

[mariacallous]

This story originally appeared on Grist and is part of the Climate Desk collaboration.

On a 20-acre parcel outside the tiny Southern California town of New Cuyama, a 1.5-megawatt solar farm uses the sun’s rays to slowly charge nearly 600 batteries in nearby cabinets. At night, when energy demand rises, that electricity is sent to the grid to power homes with clean energy.

To make renewable energy from intermittent sources like solar and wind available when it is most needed, it’s becoming more common to use batteries to store the power as it’s generated and transmit it later. But one thing about the Cuyama facility, which began operations this month, is less common: The batteries sending energy to the grid once powered electric vehicles.

The SEPV Cuyama facility, located about two hours northeast of Santa Barbara, is the second hybrid storage facility opened by B2U Storage Solutions. Its first facility, just outside Los Angeles, uses 1,300 retired batteries from Honda Clarity and Nissan Leaf EVs to store 28 megawatt-hours of power, enough to power about 9,500 homes.

The facilities are meant to prove the feasibility of giving EV batteries a second life as stationary storage before they are recycled. Doing so could increase the sustainability of the technology’s supply chain and reduce the need to mine critical minerals, while providing a cheaper way of building out grid-scale storage.

“This is what’s needed at massive scale,” said Freeman Hall, CEO of the Los Angeles-based large-scale storage system company.

Electric vehicle batteries are typically replaced when they reach 70 to 80 percent of their capacity, largely because the range they provide at that point begins to dwindle. Almost all of the critical materials inside them, including lithium, nickel, and cobalt, are reusable. A growing domestic recycling industry, supported by billions of dollars in loans from the Energy Department and incentives in the Inflation Reduction Act, is being built to prepare for what will one day be tens of millions of retired EV battery packs.

Before they are disassembled, however, studies show that around three-quarters of decommissioned packs are suitable for a second life as stationary storage. (Some packs may not have enough life left in them, are too damaged from a collision, or are otherwise faulty.)

“We were seeing the first generation of EVs end their time on the road, and 70 percent or more of those batteries have very strong residual value,” said Hall. “That should be utilized before all those batteries are recycled, and we’re just deferring recycling by three, four, or five years.”

Extending the useful life of EV batteries mitigates the impact of manufacturing them, said Maria Chavez, energy analyst at the Union of Concerned Scientists.

“The whole point of trying to deploy electric vehicles is to reduce emissions and reduce the negative impacts of things like manufacturing and extractive processes on our environment and our communities,” Chavez told Grist. “By extending the life of a battery, we reduce the need for further exploitation of our natural resources, we reduce the demand for raw materials, and we generally encourage a more sustainable process.”

Just as batteries have become crucial to reducing emissions from transportation, they’re also needed to fully realize the benefits of clean energy. Without stationary storage, wind and solar power can only feed the grid when the wind is blowing or the sun is shining.

“Being able to store it and use it when it’s most needed is a really important way to meet our energy needs,” Chavez said.

The use of utility-scale battery storage is expected to skyrocket, from 1.5 gigawatts of capacity in 2020 to 30 gigawatts by 2025. EV packs could provide a stockpile for that buildout. Hall said there are already at least 3 gigawatt-hours of decommissioned EV packs sitting around in the United States that could be deployed, and that the volume of them being removed from cars is doubling every two years.

“We’re going from a trickle when we started four years ago to a flood of batteries that are coming,” he said.

B2U says its technology allows batteries to be repurposed in a nearly “plug-and-play fashion.” They do not need to be disassembled, and units from multiple manufacturers—B2U has tested batteries from Honda, Nissan, Tesla, GM, and Ford—can be used in one system.

The packs are stored in large cabinets and managed with proprietary software, which monitors their safety and discharges and charges each battery based on its capacity. The batteries charge during the day from both the solar panels and the grid. Then B2U sells that power to utilities at night, when demand and prices are much higher.

Hall said using second-life batteries earns the same financial return as new grid-scale batteries at half the initial cost, and that for now, repurposing the packs is more lucrative for automakers than sending them straight to recyclers. Until the recycling industry grows, it’s still quite expensive to recycle them. By selling or leasing retired packs to a grid storage company, said Hall, manufacturers can squeeze more value out of them.

That could even help drive down the cost of electric vehicles, he added. “The actual cost of leasing a battery on wheels should go down if the full value of the battery is enhanced and reused,” he said. “Everybody wins when we do reuse in a smart fashion.”

B2U expects to add storage to a third solar facility near Palmdale next year. The facilities are meant to prove that the idea works, after which B2U plans to sell its hardware and software to other storage-project developers.

At the moment, though, planned deployment of the technology is limited. B2U predicts only about 6 percent of decommissioned EV batteries in the US will be used for grid-scale storage by 2027.

“People are skeptical, and they should be, because it’s hard to do reuse of batteries,” said Hall. “But we’ve got a robust data set that does prove reliability, performance, and profitability. We’re at a point where we really can scale this.”

[eclipsedcrystalstar]

If Markiplier and Game Theory exist in the FNaF universe, they made fucking bank off Help Wanted. Fazbear’s would’ve gotten so much fame in an instant. Also Markiplier definitely got possessed by Glitchtrap.

On more reasonable solutions, malls are, irl, slowly dying out. It’s not unreasonable that they managed to get an ordinary mall for relatively cheap and renovate what was already there. Take a loan or two, hire the cheapest contractors they can find, maybe sell some old property like the original Fredbear’s Family Diner or Freddy Fazbear’s Pizzeria. And, it’s highly likely they also got their hands on Afton Robotics as well, since all the Aftons are dead, so that’s a bunch of tech and blueprints that only need a couple modifications to work with.

Matpat and Markiplier inadvertently funding more child murder

The Pizzaplex is on top of the Pizza Sim location, so they’d have to have gotten extremely lucky for someone to build a mall there and for it to die that quick

[dailyanarchistposts]

I.4.8 What about investment decisions?

Obviously, a given society needs to take into account changes in consumption and so invest in new means of production. An anarchist society is no different. As Guild Socialist G.D.H Cole points out, “it is essential at all times, and in accordance with considerations which vary from time to time, for a community to preserve a balance between production for ultimate use and production for use in further production. And this balance is a matter which ought to be determined by and on behalf of the whole community.” [Guild Socialism Restated, p. 144]

How this balance is determined varies according to the school of anarchist thought considered. All agree, however, that such an important task should be under effective community control.

The mutualists see the solution to the problems of investment as creating a system of mutual banks, which reduce interest rates to zero. This would be achieved ”[b]y the organisation of credit, on the principle of reciprocity or mutualism … In such an organisation credit is raised to the dignity of a social function, managed by the community; and, as society never speculates upon its members, it will lend its credit … at the actual cost of transaction.” [Charles A. Dana, Proudhon and his “Bank of the People”, p. 36] Loans would be allocated to projects which the mutual banks considered likely to succeed and repay the original loan. In this way, the increase in the money supply implied by these acts of credit providing does not generate inflation for money is not created wantonly but rather is aimed at projects which are considered likely to increase the supply of goods and services in the economy (see section G.3.6). Another key source of investment would be internal funds (i.e., retained savings) as is the case with co-operatives today: “Worker-managers finance their new investments partly out of internal funds and partly from external loans … Entrepreneurial activity of worker-managers … generates profits and losses, i.e., higher or lower income per worker.” [Branko Horvat, “The Theory of the Worker-Managed Firm Revisited”, pp. 9–25, Journal of Comparative Economics, vol. 10, no. 1, p. 21] As discussed in section I.1.1, eliminating the stock market will not harm investment (almost all investment funds are from other sources) and will remove an important negative influence in economic activity.

Collectivist and communist anarchists recognise that credit is based on human activity, which is represented as money. As Cole pointed out, the “understanding of this point [on investment] depends on a clear appreciation of the fact that all real additions to capital take the form of directing a part of the productive power of labour and using certain materials not for the manufacture of products and the rendering of services incidental to such manufacture for purposes of purposes of further production.” [Op. Cit., p. 143] So collectivist and communist anarchists agree with their Mutualist cousins when they state that ”[a]ll credit presupposes labour, and, if labour were to cease, credit would be impossible” and that the “legitimate source of credit” was “the labouring classes” who “ought to control it” and for “whose benefit [it should] be used”. [Dana, Op. Cit., p. 35]

Therefore, in collectivism, investment funds would exist for syndicates, communes and their in community (“People’s”) banks. These would be used to store depreciation funds and as well as other funds agreed to by the syndicates for investment projects (for example, confederations of syndicates may agree to allocate a certain percentage of their labour notes to a common account in order to have the necessary funds available for major investment projects). Similarly, individual syndicates and communes would also create a store of funds for their own investment projects. Moreover, the confederations of syndicates to which these “People’s Banks” would be linked would also have a defined role in investment decisions to ensure that production meets demand by being the forum which decides which investment plans should be given funding (this, we stress, is hardly “central planning” as capitalist firms also plan future investments to meet expected demand). In this, collectivist anarchism is like mutualism and so we would also expect interest-free credit being arranged to facilitate investment.

In a communist-anarchist society, things would be slightly different as this would not have the labour notes used in mutualism and collectivism. This means that the productive syndicates would agree that a certain part of their total output and activity will be directed to investment projects. In effect, each syndicate is able to draw upon the resources approved of by the co-operative commonwealth in the form of an agreed claim on the labour power of society (investment “is essentially an allocation of material and labour, and fundamentally, an allocation of human productive power.” [Cole, Op. Cit., pp. 144–5]). In this way, mutual aid ensures a suitable pool of resources for the future from which all benefit.

It should be remembered that savings are not required before credit can be issued. Under capitalism, for example, banks regularly issue credit in excess of their actual reserves of cash (if they did not then, one, they would not be very good capitalists and, two, the economy would grind to a halt). Nor does the interest rate reflect a preference for future goods (as discussed in section C.2.6 interest rates reflect market power, the degree of monopoly in the credit industry, the social and class position of individuals and a host of other factors). Moreover, a developed economy replaces a process in time with a process in space. In peasant and tribal societies, individuals usually did have to spend time and energy making their own tools (the hunter had to stop hunting in order to create a new improved bow or spear). However, with a reasonably developed division of work then different people produce the tools others use and can do so at the same time as the others produce. If workers producing investment goods had to wait until sufficient savings had been gathered before starting work then it is doubtful that any developed economy could function. Thus the notion that “investment” needs saving is somewhat inappropriate, as different workplaces produce consumption goods and others produce investment goods. The issue becomes one of ensuring that enough people and resources go towards both activities.

How would this work? Obviously investment decisions have implications for society as a whole. The implementation of these decisions require the use of existing capacity and so must be the responsibility of the appropriate level of the confederation in question. Investment decisions taken at levels above the production unit become effective in the form of demand for the current output of the syndicates which have the capacity to produce the goods required. This would require each syndicate to “prepare a budget, showing its estimate of requirements both of goods or services for immediate use, and of extensions and improvements.” [Cole, Op. Cit., p. 145] These budgets and investment projects would be discussed at the appropriate level of the confederation (in this, communist-anarchism would be similar to collectivist anarchism).

The confederation of syndicates/communes would be the ideal forum to discuss (communicate) the various investment plans required — and to allocate scarce resources between different ends. This would involve, possibly, dividing investment into two groups — necessary and optional — and using statistical techniques to consider the impact of an investment decision (for example, the use of input-output tables could be used to see if a given investment decision in, say, the steel industry would require investment in energy production). In this way social needs and social costs would be taken into account and ensure that investment decisions are not taken in isolation from one another, so causing bottle-necks and insufficient production due to lack of inputs from other industries.

Necessary investments are those which have been agreed upon by the appropriate confederation. It means that resources and productive capacity are prioritised towards them, as indicated in the agreed investment project. It will not be required to determine precisely which syndicates will provide the necessary goods for a given investment project, just that it has priority over other requests. Under capitalism, when a bank gives a company credit, it rarely asks exactly which companies will be contracted with when the money is spent but, rather, it gives the company the power to command the labour of other workers by supplying them with credit/money. Similarly in an anarcho-communist society, except that the other workers have agreed to supply their labour for the project in question by designating it a “necessary investment”. This means when a request arrives at a syndicate for a “necessary investment” a syndicate must try and meet it (i.e. it must place the request into its production schedule before “optional” requests, assuming that it has the capacity to meet it). A list of necessary investment projects, including what they require and if they have been ordered, will be available to all syndicates to ensure such a request is a real one.

Optional investment is simply investment projects which have not been agreed to by a confederation. This means that when a syndicate or commune places orders with a syndicate they may not be met or take longer to arrive. The project may go ahead, but it depends on whether the syndicate or commune can find workers willing to do that work. This would be applicable for small scale investment decisions or those which other communes/syndicates do not think of as essential.

This we have two inter-related investment strategies. A communist-anarchist society would prioritise certain forms of investment by the use of “necessary” and “optional” investment projects. This socialisation of investment will allow a free society to ensure that social needs are meet while maintaining a decentralised and dynamic economy. Major projects to meet social needs will be organised effectively, but with diversity for minor projects. The tasks of ensuring investment production, making orders for specific goods and so forth, would be as decentralised as other aspects of a free economy and so anarchism “proposes … [t]hat usufruct of instruments of production — land included — should be free to all workers, or groups of workers”, that “workers should group themselves, and arrange their work as their reason and inclination prompt” and that “the necessary connections between the various industries … should be managed on the same voluntary principle.” [Charlotte M. Wilson, Anarchist Essays, p. 21]

As for when investment is needed, it is clear that this will be based on the changes in demand for goods in both collectivist and communist anarchism. As Guilliaume put it: “By means of statistics gathered from all the communes in a region, it will be possible to scientifically balance production and consumption. In line with these statistics, it will also be possible to add more help in industries where production is insufficient and reduce the number of men where there is a surplus of production.” [“On Building the New Social Order”, pp. 356–79, Bakunin on Anarchism, p. 370] Obviously, investment in branches of production with a high demand would be essential and this would be easily seen from the statistics generated by the collectives and communes. Tom Brown made this obvious point:

“Goods, as now, will be produced in greater variety, for workers like producing different kinds, and new models, of goods. Now if some goods are unpopular, they will be left on the shelves … Of other goods more popular, the shops will be emptied. Surely it is obvious that the [shop] assistant will decrease his order of the unpopular line and increase his order of the popular.” [Syndicalism, p. 55]

As a rule of thumb, syndicates that produce investment goods would be inclined to supply other syndicates who are experiencing excess demand before others, all other things being equal. Because of such guidelines and communication between producers, investment would go to those industries that actually required them. In other words, customer choice (as indicated by individuals choosing between the output of different syndicates) would generate information that is relevant to investment decisions.

As production would be decentralised as far as it is sensible and rational to do so, each locality/region would be able to understand its own requirements and apply them as it sees fit. This means that large-scale planning would not be conducted (assuming that it could work in practice, of course) simply because it would not be needed. This, combined with an extensive communications network, would ensure that investment not only did not duplicate unused plant within the economy but that investments take into account the specific problems and opportunities each locality has. Of course, collectives would experiment with new lines and technology as well as existing lines and so invest in new technologies and products. As occurs under capitalism, extensive consumer testing would occur before dedicating major investment decisions to new products.

In addition, investment decisions would also require information which showed the different outcomes of different options. By this we simply mean an analysis of how different investment projects relate to each other in terms of inputs and outputs, compared to the existing techniques. This would be in the form of cost-benefit analysis (as outlined in section I.4.4) and would show when it would make economic, social and ecological sense to switch industrial techniques to more efficient and/or more empowering and/or more ecologically sound methods. Such an evaluation would indicate levels of inputs and compare them to the likely outputs. For example, if a new production technique reduced the number of hours worked in total (comparing the hours worked to produce the machinery with that reduced in using it) as well as reducing waste products for a similar output, then such a technique would be implemented.

Similarly with communities. A commune will obviously have to decide upon and plan civic investment (e.g. new parks, housing and so forth). They will also have the deciding say in industrial developments in their area as it would be unfair for syndicate to just decide to build a cement factory next to a housing co-operative if they did not want it. There is a case for arguing that the local commune will decide on investment decisions for syndicates in its area (for example, a syndicate may produce X plans which will be discussed in the local commune and one plan finalised from the debate). Regional decisions (for example, a new hospital) could be decided at the appropriate level, with information fed from the health syndicate and consumer co-operatives. The actual location for investment decisions will be worked out by those involved. However, local syndicates must be the focal point for developing new products and investment plans in order to encourage innovation.

Therefore, under anarchism no capital market is required to determine whether investment is required and what form it would take. The work that apologists for capitalism claim currently is done by the stock market can be replaced by co-operation and communication between workplaces in a decentralised, confederated network. The relative needs of different consumers of a product can be evaluated by the producers and an informed decision reached on where it would best be used. Without private property, housing, schools, hospitals, workplaces and so on will no longer be cramped into the smallest space possible. Instead, they will be built within a “green” environment. This means that human constructions will be placed within a natural setting and no longer stand apart from nature. In this way human life can be enriched and the evils of cramping as many humans and things into a small a space as is “economical” can be overcome.

Only by taking investment decisions away from “experts” and placing it in the hands of ordinary people will current generations be able to invest according to their, and future generations’, benefit. It is hardly in our best interests to have a system whose aim is to make the wealthy even wealthier and on whose whims are dependent the lives of millions of people.

[claudiosuenaga]

LA's Morrison Hotel, made famous by Doors album, to become affordable housing

By ABC7.com staff

Wednesday, December 20, 2023 1:02AM

LOS ANGELES (KABC) -- The Morrison Hotel in Los Angeles - made famous by the legendary Doors' album of the same name - is set to become affordable housing.

The AIDS Healthcare Foundation acquired the downtown LA hotel property for $11.9 million earlier this month and plans to convert the building into 111 units of low-income housing.

On hand to make the announcement Tuesday were Doors drummer John Densmore, 79, and photographer Henry Diltz, who shot the iconic album cover more than 50 years ago.

"The people who work in the city can't afford to live in the city, so the Morrison Hotel is now going to be a solution to that problem," Densmore said.

The single-room occupancy hotel was built in 1914.

The Doors made the hotel's front facade famous when band members snuck in while the clerk was busy and Diltz quickly shot a series of photos under the "Morrison Hotel" lettering, with singer Jim Morrison front and center in the window.

The 1970 album is highly regarded in rock history, featuring classics such as "Roadhouse Blues" and "Peace Frog."

The AHF says a developer had originally planned to demolish the building and turn it into a luxury hotel, but the developer defaulted on the loan. AHF's plans call for adaptive reuse of the existing structure, "saving a piece of rock and roll history."

Copyright © 2023 KABC Television, LLC. All rights reserved.

O Morrison Hotel de Los Angeles, que ficou famoso pelo álbum Doors, se tornará uma habitação a preços acessíveis

LOS ANGELES (KABC) – O Morrison Hotel em Los Angeles – que ficou famoso pelo lendário álbum de mesmo nome do Doors – está prestes a se tornar uma habitação acessível.

A AIDS Healthcare Foundation adquiriu o hotel no centro de Los Angeles por US$ 11,9 milhões no início deste mês e planeja converter o edifício em 111 unidades de habitação de baixa renda.

Presentes para fazer o anúncio na terça-feira estavam o baterista do Doors, John Densmore, 79, e o fotógrafo Henry Diltz, que fotografou a icônica capa do álbum há mais de 50 anos.

"As pessoas que trabalham na cidade não têm dinheiro para viver na cidade, por isso o Morrison Hotel será agora uma solução para esse problema", disse Densmore.

O hotel para ocupação de quarto individual foi construído em 1914.

The Doors tornou a fachada frontal do hotel famosa quando os membros da banda entraram furtivamente enquanto o funcionário estava ocupado e Diltz rapidamente tirou uma série de fotos sob as letras "Morrison Hotel", com o cantor Jim Morrison na frente e no centro da janela.

O álbum de 1970 é altamente considerado na história do rock, apresentando clássicos como “Roadhouse Blues” e “Peace Frog”.

A AHF diz que um desenvolvedor planejou originalmente demolir o prédio e transformá-lo em um hotel de luxo, mas o desenvolvedor não pagou o empréstimo. Os planos da AHF prevêem a reutilização adaptativa da estrutura existente, "salvando um pedaço da história do rock and roll".

Saiba mais sobre Jim Morrison (1943-1971) e o The Doors em meu Patreon. Torne-se o meu Patrono e tenha acesso a mais de 500 posts exclusivos:

O dia em que o espírito deixou o corpo: o último show de Jim Morrison com o The Doors

The day the spirit left the body: Jim Morrison’s last show with The Doors on December 12, 1970 at The Warehouse in New Orleans:

Phantom's Divine Comedy Part 1, o disco lançado em 1974 que insinuou a volta de Jim Morrison três anos depois de sua morte:

The Bank of America of Louisiana: O livro apócrifo lançado por Jim Morrison em 1975, quatro anos depois de sua morte:

Os 80 anos do nascimento do Rei Lagarto: Jim Morrison foi uma testemunha do Caso Roswell?

Os 80 anos do nascimento de Jim Morrison: As portas da percepção estão abertas... para os Illuminati:

80 anos do nascimento de Jim Morrison: Quem matou o Rei Lagarto?

[voidami]

Palestine History and resources.

I didn't add absolutely everything I could have because it would of been too much, just a generalization and resources to help anyone needing to learn or give resources to. feel free to discus, critique or add anything you find relevant.

Prior to the 19th century the region of Palestine experienced 401 years of relative peace from 1517-1917. And everything prior to that is largely irrelevant to the modern issue.

Late 19th Century:

In the 1880s, the community of Palestinian Jews, known as the Yishuv, amounted to three percent of the total population. In contrast to the Zionist Jews who would arrive in Palestine later, the original Yishuv did not aspire to build a modern Jewish state in Palestine.

From 1882 onward, thousands of Eastern European and Russian Jews began settling in Palestine; pushed by the anti-Semitic persecution and pogroms they were facing in the Russian Empire, and the appeal of Zionism.

After the dissolution of the Ottoman Empire (1517-1914), the British occupied Palestine as part of the secret Sykes-Picot treaty of 1916 between Britain and France to divvy up the Middle East for imperial interests.

1895-onward- Theodor Herzl: Herzl, an Austrian journalist, is considered the father of modern Zionism. He advocated for the establishment of a Jewish homeland in Argentina, Uganda or ultimately Palestine, with what he called transfer (ethnic displacement). On the surface he was doing this to address rising anti-Semitism in Europe but with further reading of his intentions it was more a selfish power grab through a colonial settler project with little concern for "the Jewish question" other than what it could do for him. E.G." I could accept a mass request from the little Jews to lead them out only if all the governments concerned asked me to, promised me their sympathetic cooperation, and gave me guarantees for the peaceful completion of the enormous task, just as I would give them guarantees for an exodus without economic ill-effects. (I don’t know whether I should have this printed in Roman type)." -One such example among many.

In his Diary everything is painted out in detail of his attempts to get huge loans and what he plans to do with the power he gains.

Theodor Herzl, wrote: "We shall try to spirit the penniless population across the border by procuring employment for it in the transit countries, while denying it any employment in our own country. The property-owners will come over to our side. Both the process of expropriation and the removal of the poor must be carried out discreetly and circumspectly. June 12th 1895 Diary Entry"

Herzl was suggesting that two possible Zionist solutions to the problem of a Palestinian majority living in Palestine — separation and transfer — were not necessarily alternatives but rather could be mutually reinforcing. Not only that: he believed, if they were used together, the process of ethnic cleansing could be made to appear voluntary, the choice of the victims. It may be that this was both his most enduring legacy and his major innovation to settler colonialism.

The Complete Diaries Of Theodor Herzl - https://archive.org/stream/TheCompleteDiariesOfTheodorHerzl_201606/TheCompleteDiariesOfTheodorHerzlEngVolume1_OCR_djvu.txt

Early 20th Century: Balfour Declaration (1917): Written in 1917 by then UK foreign secretary, Lord Arthur Balfour, the Declaration signed away the land of Palestine to the Zionist colonial project. By giving their support to Zionist goals in Palestine, the British hoped they could shore up support among the significant Jewish populations in the US and Russia for the Allied effort during WWI. They also believed the Balfour Declaration would secure their control over Palestine after the war.

Between 1922 and 1935, the Jewish population rose from nine percent to nearly 27 percent of the total population, displacing tens of thousands of Palestinian tenants from their lands as Zionists bought land from absentee landlords. Leading Arab and Palestinian intellectuals openly warned against the motifs of the Zionist movement in the press as early as 1908. With the Nazi seizure of power in Germany between 1933 and 1936, 30,000 to 60,000 European Jews arrived on the shores of Palestine.

In 1936, Palestinian Arabs launched a large-scale uprising against the British and their support for Zionist settler-colonialism, known as the Arab Revolt. The British authorities crushed the revolt, which lasted until 1939, violently; they destroyed at least 2,000 Palestinian homes, put 9,000 Palestinians in concentration camps and subjected them to violent interrogation, including torture, and deported 200 Palestinian nationalist leaders. In 1944, several Zionist armed groups declared war on Britain for trying to put limits on Jewish immigration to Palestine at a time when Jews were fleeing the Holocaust. The Zionist paramilitary organizations launched a number of attacks against the British – the most notable of which was the King David Hotel bombing in 1946 where the British administrative headquarters were housed; 91 people were killed in the attack.

In early 1947, the British government announced it would be handing over the disaster it had created in Palestine to the United Nations and ending its colonial project there. On November 29, 1947, the UN adopted Resolution 181, recommending the partition of Palestine into Jewish and Arab states.

Quotes: Before May 15, some of the most infamous massacres had already been committed; the Baldat al-Sheikh massacre on December 31, 1947, killing up to 70 Palestinians; the Sa’sa’ massacre on February 14, 1948, when 16 houses were blown up and 60 people lost their lives; and the Deir Yassin massacre on April 9, 1948, when about 110 Palestinian men, women and children were slaughtered.

August 1937, "transfer" was a major subject of discussion at the Twentieth Zionist Congress in Zurich, Switzerland. Alluding to the systematic dispossession of Palestinian peasants (fellahin) that Zionist organizations had been engaged in for years, David Ben-Gurion, who would become Israel's first prime minister in 1948, stated: " You are no doubt aware of the [Jewish National Fund's] activity in this respect. Now a transfer of a completely different scope will have to be carried out. In many parts of the country new settlement will not be possible without transferring the Arab fellahin." He concluded: "Jewish power [in Palestine], which grows steadily, will also increase our possibilities to carry out this transfer on a large scale."

In June 1938, Ben-Gurion told a meeting of the Jewish Agency: "I support compulsory transfer. I don't see anything immoral in it."

In December 1940, Joseph Weitz, director of the Jewish National Fund's Lands Department, which was tasked with acquiring land for the Zionist enterprise in Palestine, wrote in his diary: There is no way besides transferring the Arabs from here to the neighboring countries, and to transfer all of them, save perhaps for [the Arabs of] Bethlehem, Nazareth and Old Jerusalem. Not one village must be left, not one [bedouin] tribe. And only after this transfer will the country be able to absorb millions of our brothers and the Jewish problem will cease to exist. There is no other solution.

1948 Arab-Israeli War (Plan Dalet & Nakba (Catastrophe) ):Creation of Israel: Israel declared independence, leading to a war with surrounding Arab states. Hundreds of thousands of Palestinians were expelled, leading to mass displacement and refugee crisis.

Details of Plan Dalet On March 10, 1948, Zionist political and military leaders, including Ben-Gurion, met in Tel Aviv and formally adopted Plan Dalet (or Plan D). The operational military orders specified which Palestinian population centers should be targeted and laid out in detail a blueprint for their forcible depopulation and destruction. It called for: Mounting operations against enemy population centers located inside or near our defensive system in order to prevent them from being used as bases by an active armed force. These operations can be divided into the following categories: Destruction of villages (setting fire to, blowing up, and planting mines in the debris), especially those population centers which are difficult to control continuously Mounting search and control operations according to the following guidelines: encirclement of the village and conducting a search inside it. In the event of resistance, the armed force must be destroyed and the population must be expelled outside the borders of the state. The Haganah (soon to be Israeli army) launched military operations under Plan Dalet at the beginning of April 1948. Although attacks by Zionist forces against Palestinian population centers actually began a few days after the UN Partition Plan was passed on November 29, 1947, with the adoption of Plan Dalet expulsions accelerated and became systematic, marking a new phase in the conflict in which Zionist and then Israeli forces went on "the offensive," in the words of Israeli historian Benny Morris. Following Israel's establishment on May 14, 1948, the new Israeli government set up an unofficial body, the "Transfer Committee," to oversee the destruction of Palestinian towns and villages or their re-population with Jews, and to prevent displaced Palestinians from returning to their homes. In a report presented to Ben-Gurion in June 1948, the three-man committee, which included the JNF's Weitz, called for the "destruction of villages as much as possible during military operations."

Further reading: https://imeu.org/article/plan-dalet

Results-

By the time the state of Israel was declared on May 14, 1948, more than 200 Palestinian villages had already been emptied as people fled in fear or were forcibly expelled by Zionist forces, and approximately 175,000 Palestinians had been made refugees. By 1949, at least 750,000 Palestinians had been made refugees, losing their land, homes and other belongings in what became known as the "Nakba" ("catastrophe"). Their flight was accelerated by massacres such as the one that took place on April 9, 1948, at Deir Yassin near Jerusalem, where approximately 100 Palestinian men, women, and children were murdered by Zionist paramilitaries. Today, refugees displaced during Israel's creation and their descendants number approximately 7.1 million people. Some 400 Palestinian towns and villages, including vibrant urban centers, were systematically destroyed or taken over by Israeli. Most of them were demolished to prevent the return of their Palestinian residents, now refugees outside of what would become Israel's internationally recognized borders, or internally displaced inside of them.

Further reading: https://www.aljazeera.com/features/2017/5/23/the-nakba-did-not-start-or-end-in-1948 https://www.aljazeera.com/program/featured-documentaries/2013/5/29/al-nakba/ https://imeu.org/article/the-nakba-and-palestine-refugees-imeu-questions-and-answers https://www.vox.com/videos/2023/5/15/23723947/palestine-nakba-may-15-protests-israel

Post-1948 Period:

Quotes:

“If I were an Arab leader, I would never sign an agreement with Israel. It is normal; we have taken their country. It is true God promised it to us, but how could that interest them? Our God is not theirs. There has been Anti-Semitism, the Nazis, Hitler, Auschwitz, but was that their fault? They see but one thing: we have come and we have stolen their country. Why would they accept that?” David Ben-Gurion (the first Israeli Prime Minister): Quoted by Nahum Goldmann in Le Paraddoxe Juif (The Jewish Paradox), pp99

1967- Israel occupied the West Bank, Gaza Strip, East Jerusalem, and Golan Heights after the 1967 Six-Day War. Jewish settlements were established in these territories, leading to ongoing tensions and disputes.

1973- Yom Kippur War

1987- Hamas formed.

Peace Process and Oslo Accords (1990s):Peace Attempts: Several peace negotiations took place between Israel and Palestine, leading to the Oslo Accords in 1993, which established limited Palestinian self-rule in parts of the West Bank and Gaza Strip.

Early 21st Century: Second Intifada (2000-2005): A period of intensified Israeli-Palestinian violence and unrest, leading to significant loss of life on both sides.

In 2004, Giaora Eiland, who still is, incidentally, in the inner circle of Benjamin Netanyahu right now as I speak. He described Gaza as, quote, “a huge concentration camp.” That's Gaza.

September 2005- Israel completed implementation of its Disengagement Plan from the Gaza Strip, which included dismantling all the settlements there, evacuating the settlers to Israel and withdrawing the military. After the plan was fully implemented, Israel issued an order declaring the end of its military rule in the Gaza Strip, indicating it was no longer responsible for the safety and well-being of the population in Gaza. But the territory remained under blockade, leading to economic hardship and conflict.

2006-

Here was an election in the West Bank in Gaza, parliamentary elections. Those elections were urged on the Palestinian people by the US administration was that now forgotten moment in the Bush administration called “democracy promotion.” And part of this package called “democracy promotion” was the Palestinians were supposed to participate in those wonderful democratic experiences. And Hamas was urged to participate in those elections, and it reversed itself. Hitherto, it opposed participating in any elections in the occupied territories, because those elections were a consequence of the Oslo Accord. And since Hamas opposed the Oslo Accord, it opposed participating in the elections. But it reversed itself. It ran in a civilian political party. And, much to the surprise of Hamas and everybody else, it won the election. Those were, according to former US President Jimmy Carter, “completely fair and honest elections,” and Hamas won. What did the US and Israel do? It immediately imposed a brutal blockade on Gaza, which brought economic life in Gaza to a standstill. - Norman Finkelstein

*When Hamas was elected, it repeatedly sent out peace feelers to try and resolve the conflict with Israel. It presented on its own, or as speaking for itself, the terms of the international consensus for resolving a conflict, namely two states on the June 1967 border.

June 2007- After Hamas seized control of the Gaza Strip, Israel further tightened its control of the crossings and rarely allowed Palestinians to enter or leave Gaza, or to import or export goods. Three months after the Hamas takeover, in response to the continued firing of Qassam rockets at Israel, Israel’s security cabinet declared the Gaza Strip a hostile entity and adopted collective punitive measures, including cutting back electricity and fuel supply to Gaza

2008-

June 2008 there was a ceasefire arranged between Israel and Hamas. The ceasefire held, it held in June, it held in July, it held in August, it held in September, it held in October, and it held the first four days in November. And then November 4th came along, that was election day. when everybody's attention was riveted on the presidential election and the first black president being elected in our country's history. And Israel used that moment -- when all the cameras were diverted from it -- it used that moment to attack Hamas in Gaza and broke the ceasefire. Go and read what Amnesty International said.

Operation Cast Lead- Dec 27, 2008 – Jan 18, 2009 https://imeu.org/article/operation-cast-lead

2012-

Operation Pillar of Defense- Nov 13, 2012 – Nov 21, 2012

After Operation Cast Lead, there was a slight relaxing of the brutal blockade of Gaza. The Gaza economy did show some signs of recovery. And there was also money starting to pour in from Qatar. The head of state of Turkey, Erdoğan, was planning on a visit to Gaza. And this annoyed Israel because Gaza was not supposed to prosper. So what did they do? The record is clear. They assassinated a senior Hamas official Ahmad Jabari and six others. Shortly afterwards, Israel pounded the Gaza Strip with another 20 air strikes, killing five more people, two of them children, Hamas health minister Mufid Mukhalalati said in a televised press conference at Gaza City’s Shifa hospital.

2014-

Operation Protective Edge-

2,200 Palestinians killed, of whom 550 were children. They demolished 18,000 homes.

2018- Gaza March to return Massacre May 14th

On May 14th 2018 The Palestinian people of Gaza were in continuing peaceful marches Up to the walls imprisoning them with hopes that the apartheid regime of Israel would have some humanity and hear their plea with a right to return, to be given basic human rights as they had been doing since March 30th 2018. Instead of being shown humanity IDF soldiers began an especially discriminatory attack on the peaceful protestors. The causalities for that day alone stood at 2700 injured, including 1,359 from live ammunition and 235 Children. The dead included six children under the age of 18, among them a 15-year-old girl, and a medic and at least 52 adults. The toll increased exponentially through the course of the multiple week protest with numbers in 12,000 plus victims range 1000 of which children and hundreds of medics and journalists in appropriate identifying garb.

Many IDF soldiers have gone on record to brag about their statistics in competition with each other It is callous and bitter but I'll provide a link to some accounts of this .

Further, Shireen Abu Akleh an American-Palestinian journalist was wearing full reporter protective gear and was intentionally sniped in the neck killing her, they then lied about it and admitted to it a significant amount of time later. At her funeral the procession was subject to pogroms by Israeli police not even giving her peace in death.

https://www.washingtonpost.com/world/middle_east/gaza-protests-take-off-ahead-of-new-us-embassy-inauguration-in-jerusalem/2018/05/14/eb6396ae-56e4-11e8-9889-07bcc1327f4b_story.html

https://www.unrwa.org/campaign/gaza-great-march-returnhttps://www.aljazeera.com/news/2018/5/16/palestinians-great-march-of-return-the-human-costhttps://www.newarab.com/news/israeli-snipers-brag-about-deliberately-crippling-gaza-protestershttps://www.cnn.com/2022/09/05/middleeast/idf-shireen-abu-akleh-investigation-intl/index.htmlhttps://www.aljazeera.com/news/2022/5/14/israeli-police-attack-on-shireen-abu-akleh-mourners-sparks-outcry

Recent Events:

The amount of atrocities are too numerous to list them all here but i would like to list some from September of 2023 at least.

September 2023-

September 5th- Israeli forces killed two Palestinians, including one child, in two operations that involved the exchange of fire in Tulkarm and Jericho. September 9th-Israeli forces killed a Palestinian child in Hebron. September 13th- Five Palestinian were killed in the Gaza Strip as an explosive device went off near Israel’s perimeter fence. On 16 and 17 September, large groups of Israelis, including settlers, entered the Old City of Jerusalem during the Jewish New Year. Israeli authorities deployed police officers and restricted Palestinian movement in and out of the Old City, during which they physically assaulted and injured an elderly Palestinian man and arrested at least two others. On 17 September, Israeli forces restricted Palestinian access to the Al Aqsa Mosque in the Old City of Jerusalem, allowing entry only to those over the age of 50 for the dawn prayers. That morning, about 400 Israelis, including settlers, accessed the compound accompanied by Israeli police, who evacuated Palestinian worshipers to secure the entry of Israelis. On 16 September, settlers stabbed a Palestinian man in the back and threw stones and bottles at Palestinian houses in Tel Rumeida neighborhood of Hebron city, in the Israeli-controlled H2 area.

Prior to October for 2023 Israeli forces killed 181 Palestinians in the West Bank or Israel, exceeding the yearly death toll by Israeli forces in the West Bank since 2005. During the reporting period in September, 173 Palestinians, including at least 58 children, were injured by Israeli forces across the West Bank, including 11 who were hit by live ammunition. Since the beginning of the year, 769 Palestinians have been injured by live ammunition by Israeli forces in the West Bank, nearing the double of the number in the equivalent period in 2022 (460). Over 1,100 Palestinian herders from 28 communities have been displaced since 2022, citing settler violence and shrinking access to grazing land.

More here: https://www.ochaopt.org/poc/5-18-september-2023

October 2023-

October 1st- injury of several Palestinians in a number of attacks by Israeli occupation forces and settlers across the occupied West Bank.

October 4th- Israeli troops killed three Palestinian in West Bank. One of which the IDF said it opened fire at a man who threw a block at an Israeli vehicle. Palestinian health officials said a 19 year old Palestinian man was shot in the chest and killed. The army said Israeli settlers also vandalized Palestinian property. No further details were immediately released. October 5th- Israeli forces killed two Palestinians and wounded dozens more while suffering five injuries as they raided several areas in the occupied West Bank October 6th- Labib Dumaidi, 19, was shot in the heart by an Israeli settler in west bank. October 7th- Hamas launches an attack 1,400 Israelis were killed in the assault, and more than 240 were taken hostage. Israel's immediate response before even tending to the attack is to start bombing Gaza indiscriminately. Multiple survivors and hostage testimony tell Israeli solders opened fire on Israeli citizens and Hamas in hannibal directive. Israel claims 40 babies beheaded and the claim gets parroted all the way up to the president of the united states without a substantiated evidence, another addition in an ocean of lies. Due to the fog of war I'm only writing about statistics here on out.

After math.

Week one- 7,473 U.S. bombs were dropped on Afghanistan in 2019. 6,000 Israeli bombs have been dropped on Gaza in 6 days. 2,383 Palestinians killed half children 9,714 wounded, while in the West Bank, 54 were recorded dead and 1,100 wounded 1.1 Million Displaced.

One Month-

10,000 Palestinians killed 70% children. 25,000 injuries. 1.5 Million Displaced.

War Crimes- Numerous including Genocide, collective punishment, Use of white phosphorus during the offensive and many more…

The UN Genocide Convention lists five acts that fall under the definition of Genocide. Israel is currently perpetrating three of these in Gaza: “1. Killing members of the group. 2. Causing serious bodily or mental harm to members of the group. 3. Deliberately inflicting on the group conditions of life calculated with intent to bring about its physical destruction in whole or in part.”

Recent Quotes-

Israeli Minister of Defense Yoav “We are imposing a complete siege on Gaza. No electricity, no food, no water, no fuel. Everything is closed. We are fighting human animals, and we will act accordingly.” Isaac Herzog - "It is an entire nation out there that is responsible. This rhetoric about civilians supposedly not being involved is absolutely untrue" Benjamin Natanyahu - "We will turn Gaza into an island of ruins." Daniel Hagari - "We are dropping hundreds of tons of bombs on Gaza. The focus is on destruction, not accuracy." Ariel Kallner - "Now there is only one goal: Nakba. A Nakba in Gaza that will dwarf the Nakba of 1948." Benjamin Nantanyahu - “They are committed to completely eliminating this evil from the world,” Netanyahu said in Hebrew. He then added: “You must remember what Amalek has done to you, says our Holy Bible. And we do remember.” In the Hebrew Bible, particularly in the Book of 1 Samuel, there is a command attributed to God that King Saul is supposed to destroy the Amalekites entirely, sparing nothing and no one. The exact verse, from 1 Samuel 15:3 (New International Version), states:

"Now go, attack the Amalekites and totally destroy all that belongs to them. Do not spare them; put to death men and women, children and infants, cattle and sheep, camels and donkeys."

This command, often referred to as the "ban" or "herem" in biblical studies, was a severe form of religious sanction where everything associated with the enemy was devoted to destruction.

Further reading:

The Gun And The Olive Branch- David Hirst https://archive.org/stream/in.ernet.dli.2015.131536/2015.131536.The-Gun-And-The-Olive-Branch_djvu.txt The Question of Palestine-Edward Said https://archive.org/details/questionofpalest0000said Ten Myths About Israel By Ilan Pappe https://archive.org/details/ten-myths-about-israel-by-ilan-pappe-2017

Documentaries, Films, and Video Essays:

Jenin, Jenin (2002) https://vimeo.com/499672067 Born in Gaza https://www.youtube.com/watch?v=FZpp8JLkwBw Edward Said - Reflections on Exile and Other Essays https://www.youtube.com/watch?v=8EvoZ7vgu0A Norman Finkelstein on Israel's BRUTAL Assault On Gaza https://www.youtube.com/watch?v=m36CUGA1Ucw&list=PLG9vw8QqgiV86CdFlCcHiSmfKwDytOATJ&index=10 Jews Against Zionism: Rabbi Speaking the Truth About Palestine & Israel https://www.youtube.com/watch?v=WSEtuckDbpk&list=PLG9vw8QqgiV86CdFlCcHiSmfKwDytOATJ&index=16 Norman Finkelstein RESPONDS to Bernie Sanders statement OPPOSING GAZA CEASEFIRE https://www.youtube.com/watch?v=9R49v3K29mM&list=FLUORSml2RTXRf2S9zsXpbOw