#albeit for a notable fee

[mailperson]

I still think DD2’s encouragement to push on to the end of a region even if heroes die is an odd thing to encourage when you’re GROSSLY outmatched and barely stand a chance unless your heroes die at the oblivion’s rampart/ingress battle at the very end of the region. It’s not very thought out to the fullest I feel like.

Replacing heroes at the end would be a fine feature that justifies it if you could realistically even reach the inn after a death, a little odd

[asliceofteaa]

The Scorpion

▓▓▓▓ ▓▓ (E-15293362) is a female of Vietnamese origin. For 9 counts of 1st degree murder, drug possession and distribution, possession of unregistered firearms, driving under the influence, assault and battery, reckless endangerment, and contempt of court, E-15293362 was sentenced to death by lethal injection on ▓▓/▓▓/▓▓▓▓. The court also offered life imprisonment in Urbanshade Testing Facilities, which E-15293362 accepted.

E-15293362 exhibits extremely violent and disturbed behavior. At least one armed guard is to monitor its cell at all times.

Z-532 - Codename: “The Scorpion” (formerly E-15293362) is a female of Vietnamese origin, wearing an EXR-P “Template” jumpsuit. Notable differences to an average human are the presence of a large tail, about 3 ft in length, a scorpion's stinger, about 6 ft in length, and fins where its ears would be. (Z-532's actual ears are small holes behind said fins.) Under its jumpsuit are gills on the side of its waist and fins similar to the ones on its head sprouting from its hips. It produces a potent neurotoxin from its stinger, though not able to kill any human, is enough to paralyze one for up to 5 hours. Z-532 itself seems to be immune to this effect.

Z-532 was originally an EXR-P unit, being sent to the Hadal Blacksite to retrieve loose assets under the pretense of being returned to the surface if enough are secured. Upon retrieval, Dr. ▓▓▓▓▓▓ declared that Z-532 was unfit to be returned to society, and it was placed back into the Blacksite for containment.

Z-532 displays a belief that it is still a member of the EXR-P program, being reported to join other groups on their expedition to retrieve Z-1, albeit for a short time. It shows a remarkable ability to stay alive, even through massive amounts of damage inflicted to it. It is currently unknown whether this is from its mutations or overconsumption of medkits scattered throughout the Blacksite.

Z-532 is described as “really ****ing stupid” and “mostly harmless to others, at least,” so it is currently regarded as a non-issue. However, at the first sign of rebellion, its PDG will be detonated, killing it instantly.

If these documents are shown to unauthorized personnel, you'll be put up for demotion, and any cover-up fees will be sent to your relatives.

▓▓/▓▓/▓▓▓▓ [Test 1]:

Dr. Patton requested E-15293362 to his office for testing purposes. Subject was injected with the DNA of a vermillion rockfish (male). The following conversation was recorded.

E-15293362: “WHAT THE HELL? WHAT THE **** DID YOU DO TO ME? WHAT WAS THAT? I'LL KILL YOU! I'LL KILL YOU!!”

Dr. Patton: “Calm down, ▓▓▓▓. You-”

E-15293362: “DON'T ****ING CALL ME THAT! THAT'S THE NAME MY MOTHER GAVE ME, NOT FOR SOME ****ING ***HOLE SCIENTIST TO USE!”

Dr. Patton: “Ms. ▓▓, then. Your symptoms should begin appearing in 2 to 3 days. Until then, you will be heavily sedated to prevent outlash.”

E-15293362: “DON'T YOU DARE INJECT ME WITH ANYTHING ELSE.”

Dr. Patton: “▓▓▓▓▓▓? Hold her down while I administer the sedatives.”

▓▓▓▓▓▓: “Yes, sir.”

[Note: Subject was returned to her cell after the sedatives took effect.]

[End recording.]

▓▓/▓▓/▓▓▓▓ [Interview 1]:

E-15293362 was brought back into Dr. Patton's lab for a diagnostic test and interview. Subject had become feverish, and reported feeling nauseous. Guards report unwillingness to eat any food given, as well as vomiting and screaming during the night. A growth resembling a tail had begun to sprout from subject's gluteal region. The following conversation was recorded.

Dr. Patton: “Hello again, Ms. ▓▓. How are you feeling?”

E-15293362: “Like ****. What the hell do you want from me?”

[Note: Subject seems less aggressive than in Test 1.]

Dr. Patton: “I hear you haven't been eating well?”

E-15293362: “I haven't been hungry. What does it matter to you?”

Dr. Patton: “I wanted to ask you a few questions, and then do some medical examination.”

E-15293362: “I don't have a choice, do I?”

Dr. Patton: “No, you don't. Why did you kill those people?”

E-15293362: “He told me to.”

Dr. Patton: “And who is ‘he’?”

E-15293362: “My boyfriend.”

Dr. Patton: “I see. And you killed him, too. Why?”

E-15293362: “He pissed me off. He tried to leave me. He was the only person I had.”

Dr. Patton: “And what about your family?”

E-15293362: “You ask a lot of questions, don't you?”

Dr. Patton: (laughing) “It's my job.”

E-15293362: “It's not funny.”

Dr. Patton: “Why did you sell drugs and weapons? For money?”

E-15293362: “Yes.”

Dr. Patton: “Did you ever use your own stock? Any drugs at all?”

E-15293362: “No.”

Dr. Patton: “Why didn't you get a real job?”

E-15293362: “That's none of your business.”

[Note: Subject was unresponsive to any further questioning.]

[End recording.]

▓▓/▓▓/▓▓▓▓ [Test 2]:

Dr. Patton requested E-15293362 for further testing. Subject was injected with the DNA of an indian red scorpion (male) and red mermaid-tail betta (female). Subject's tail-like growth has further developed, thickening significantly. Its outer ears had also begun regressing into its flesh. The following conversation was recorded.

E-15293362: “You.”

Dr. Patton: “Hello again, Ms. ▓▓.”

E-15293362: “Don't. Don't. Don't you ****ing dare.”

Dr. Patton: “What do you mean?”

E-15293362: “You. What the **** did you put into me? Am I not suffering enough? AM I NOT IN ENOUGH PAIN FOR YOU?!”

Dr. Patton: “Now, ▓▓▓▓-”

E-15293362: “DON'T ****ING CALL ME THAT! I AM NOT YOUR FRIEND! WHAT THE **** IS WRONG WITH YOU? DO YOU ONLY THINK ABOUT YOURSELF? I THINK I'D RATHER HAVE GOTTEN KILLED! ARE YOU ****ING INSANE?!?”

[Note: Subject began pulling against her constraints, attempting to attack Dr. Patton.]

Dr. Patton: “Ms. ▓▓, calm down.”

E-15293362: “ARE YOU ****ING KIDDING?? I'M NOT GONNA DO **** FOR YOU! **** YOU! **** YOU! YOU SHOULD ****ING DIE!! YOU SHOULD ****ING KILL YOURSELF!”

Dr. Patton: “▓▓▓▓▓▓▓, cover its mouth, please.”

E-15293362: “IT? IT?!? AM I A ****ING THING FOR YOU? A TOY TO **** AROUND WITH??? **** Y–”

[Note: Subject had its mouth covered and was injected with sedatives before being returned to its cell.]

[End recording.]

▓▓/▓▓/▓▓▓▓ [Interview 2]:

E-15293362 requested to see Dr. Patton again. Subject’s ‘tail’ has fully developed now, resembling an elongated rockfish's tail with desaturated coloring. What appear to be gills have grown from where its ears used to be, matching the color of the tail. A small scorpion stinger has begun to develop above Subject’s tail. Guards report a significant shift in behavior, claiming E-15293362 “acts drunk.” The following conversation was recorded.

E-15293362: “Hi, doctor!”

Dr. Patton: “...Hello, Ms. ▓▓. You requested to see me?”

E-15293362: “I feel loopy… What's wrong with my head..?”

[Note: Subject is slurring its words, drawing out syllables, and is speaking considerably slower than average.]

Dr. Patton: “I'm not sure I understand. Can you describe more of your symptoms?”

E-15293362: “My head feels silly… My head feels… forget-y… and I can't hear very good.”

Dr. Patton: “Interesting. Is that the only reason you wanted to see me?”

E-15293362: “It hurts.”

Dr. Patton: “Pardon?”

E-15293362: “It hurts. It hurts it hurts it hurts it hurts it hurts it hurts it hurts IT HURTS IT HURTS IT HURTS IT HURTS IT HURTS IT HURTS IT HURTS IT–”

[Note: Subject fell unconscious, presumably from pain.]

[End recording.]

Ending notes: Subject was administered Tylenol and returned to its cell. Dr. Patton theorizes that its change in behavior can be attributed to the neurotoxins being produced by Subject's scorpion DNA. Which organ is producing these neurotoxins is unknown, but it seems to be accumulating in its newly developing ‘stinger.’

▓▓/▓▓/▓▓▓▓ [Review]:

E-15293362's stinger has fully developed, and is roughly the same height as the subject (6’1 at the time of recording.) Subject’s production of neurotoxins will provide useful for human weaponry in the future, as observed side effects are naïveté and willingness to follow commands without question.

Addendum 1: E-15293362 has been enrolled in the EXR-P program with the promise of freedom if enough loose assets are secured. E-15293362 is fully expected to be killed in action.

Addendum 2: E-15293362 has successfully retrieved 2000 assets, unharmed. However, it is not fit to be returned to civilization. E-15293362 will be reclassified and returned to the Hadal Blacksite under pretense of its work not being complete.

[susantaylor01]

How much does it cost to remove belly fat

Introduction

Maintaining a healthy waistline is critical for overall health, as larger waistlines are correlated with an elevated risk of heart disease, diabetes, and cancer. Weight loss, particularly around the midsection, can also enhance blood vessel function and sleep quality. While it is not feasible to specifically target belly fat through dietary measures, comprehensive weight loss can contribute to the reduction of visceral fat, an inconspicuous type of fat residing within the abdominal cavity that amplifies health hazards. 

Abdominal liposuction, commonly referred to as stomach liposuction, is a prevalent cosmetic surgical procedure designed to permanently eliminate adipose tissue deposits located in the abdomen, waist, and flank regions. This entails the extraction of undesirable fat through the implementation of cannulas placed beneath the dermal surface. 

Non-surgical and minimally invasive modalities for fat reduction encompass techniques employing heat, cooling, and injectable medication to diminish fat cells. These interventions offer viable options for patients disinclined or ineligible for surgical procedures, albeit not serving as substitutes for liposuction. Non-surgical fat reduction methods encompass a range of modalities, including ultrasound, radiofrequency, infrared light, vacuum massage, and injectable medication. Noteworthy procedures encompassed within non-surgical fat reduction interventions comprise cryolipolysis (e.g., CoolSculpting), injection lipolysis (e.g., Kybella), radiofrequency lipolysis (e.g., Vanquish), and laser lipolysis (e.g., SculpSure).

Cost of surgical procedure

Abdominoplasty, known colloquially as tummy tuck surgery, is a surgical procedure designed to address the presence of excess adipose tissue and skin within the abdominal region, often accompanied by the reinstatement of weakened or separated musculature. This operation aims to achieve a more streamlined and tightened abdominal contour. Attainment of a flat and well-toned abdominal region is a pursuit often sought through physical conditioning and weight regulation. However, certain circumstances may render these methods ineffective. Notably, individuals of normative body weight and proportion can experience abdominal protrusion or laxity, with underlying causes frequently attributed to aging, heredity, prior pregnancies, prior surgical interventions, or notable fluctuations in body weight.

The mean cost of abdominoplasty stands at approximately $8,174, as reported by the most recent data issued by the American Society of Plastic Surgeons. This cost exclusively represents the procedure and does not encompass anesthesia, operating room facilities, or associated expenses. For an accurate final fee, it is imperative to engage in detailed discussions with the plastic surgeon's office. The fee charged by a surgeon for a tummy tuck surgery is contingent upon their experience, the specific procedure employed, and the geographic location of the practice. Most health insurance plans do not extend coverage for tummy tuck surgery or complications arising from it. 

Cost of non-surgical procedure

The average cost of nonsurgical fat reduction is $1,157, as per the most recent data released by the American Society of Plastic Surgeons. This average cost is exclusive of additional associated expenses. Among the common examples of nonsurgical fat reduction are CoolSculpting®, Liposonix®, Emsculpt®, Vanquish®, Zerona®, and Kybella®.

The pricing of nonsurgical fat reduction is contingent upon the proficiency and credentials of the individual administering the procedure, the specific type of procedure employed, the temporal and labor input the treatment mandates, as well as the geographic office locale.

Alpine Tea burns 57lbs of thick flab?

Conclusion

Reducing visceral adiposity yields several health benefits, including enhanced cardiovascular well-being, ameliorated blood pressure, blood glucose, and lipid profiles, improved sleep architecture, decreased susceptibility to diabetes and hypertension, and optimized metabolic function.In addressing the issue of abdominal adiposity, it is crucial to emphasize the primacy of embracing a healthy lifestyle over resorting to pharmacological or supplementary interventions. While the former necessitates a more intricate and sustained approach, its enduring dividends are indispensable.

[zydrateacademy]

The Thieves Guild Summary, 8/6/24

Attendees: Dibbe, Arya, Brings-Dawn, Garrett, Nat, Ozburgh, Sansi, Eva

The guild had been high strung with some fairly intense work in the weeks past. Dibbe to the rescue with a very standard ambush against a low-level bandit crew. Independent and nameless, and almost certainly a laughing stock when a crew of veterans made them all look like fools.

Dibbe’s network discovered a lesser-used caravan route in the western edge of Cyrodiil. Now overgrown and underused, given both the one-two punch of the Planemeld sacking the Imperial City, and the alliance war still raging albeit lessening with the rumors of peace talks and cease fires. Some crews are taking it upon themselves to open the route back up, at the risk of the Colovians reclaiming the route for themselves. Overall, a basic caravan ambush.

Dibbe had arranged for the caravan to be waylaid by a fallen tree. Sure enough, the crew arrived to find the bandit’s campsite recently shuttered. They spoke on the plan briefly, which was mostly a cover-and-spook and then resort to a skirmish if things went south. They spent some time on reconnaissance, Nat spotting a nearly covered right path that went above the lower caravan, allowing them to spy on the caravan as they worked slowly with dealing with the fallen tree.

The newcomer was a woman who steadfastly refused to say a name. Even an alias, so Dibbe made sure to constantly refer to as “Girl”. Thus, Dibbe and “Girl” worked together to summon some fog to overlay the caravan for the ambush. They both struggled to cast a meaningful spell. It was technically successful but even together they only managed to get a light fog that raised two feet from the ground. It was still helpful, as Sansi, Garrett, and Dawn could stay under the two feet to remain hidden as they began the ambush. It simply made navigating the loot itself more complicated, as they’d be more visible.

Ozburgh, the ex-thief turned paladin, accompanied the guild but largely played backup in case everything became a full blown gang on gang skirmish. He also spent a portion of the time in his own head, trying to weigh the pros and cons of returning to such a lifestyle.

The ambushers floundered a bit, consistently and just barely making their own way through the Fog. Nat took up the slack, using her practiced magicks to save Dibbe from a botched attempt to clamber down the rocky hillside, healed Girl when a few spells too many backfired, and eventually succeeded in raising the fog up a couple of feet.

As the bandits became more Irate, the guild decided to upgrade the spook factor. Sansi summoned a false Wisp type light in the sky, and then turned the fog red. Garrett cast a hysteria spell, and after all that the bandits rushed towards clearing the log as soon as possible which gave the Guild momentary free reign of the caravan. They scrambled a bit but managed to steal most of the goods in all of the wagons. They cut it fairly close as the hysterical bandits began charging back to the wagons.

Girl and Dawn worked together to put them all to sleep, one through spell and the other through an alchemical explosive. The bandits only caught brief glimpses of humanoid figures running off with their goods before sleep overtook them, never making out any meaningful identifying features.

Some trinkets were had but two major pieces of loot were notable.

Sansi had managed to haul a decently sized golden chest, which turned out to be an Elsweyr wedding dowry of some lesser known names. Sansi still recognized them, and elected to return the dowry for a fee and perhaps a spoken favor for the Guild at a later occasion. Who knows what kind of door that will open.

Secondly, some shadowmarks were spotted, implying that these bandits had raided the actual Guild and ran off. Dawn had spotted some shadowmarked rum, which isn't surprising. Of real note, Garrett and Sansi had managed to sequester away a rather large crate while the bandits were in hysterics due to the Guildmaster’s spellcraft, also Shadowmarked. Back at base it was cracked open and revealed several guild uniforms with everyone one could need to go on a full blown spree. Basic daggers, blackjacks, lockpicks, potions. Anything one could want to jumpstart one’s own branch.

The guild theorized what kind of damage one could do with this information. Dibbe brought up a false flag operation, as someone could pass these uniforms out, do some morally questionable things, and have whatever local populace bring the hammer down on undeserving criminals. Sansi floated the idea that Charles Notter may be involved to utilize that very purpose, but nobody else was quite sure. Perhaps something worth investigating.

Beyond that, it was one of the most successful heists in Dibbe’s history with the Illac Bay branch. Nobody got hurt, and the bandits never saw who was responsible.

Back at her Rift refuge, Dawn cracked open the barrels of rum and served some drinks and some socialization was had. Eva Bishop showed up to meet some guildmates she had yet to meet previously, and bonded with Nat over fashion. Garrett Initiated Girl off to the side. Dibbe and Sansi exhibited some Public Displays of Affection. Merriment was had all around.

[influencermagazineuk]

Michael Gove Steps Down Amid Mass Exodus of MPs Before Election

Policy Exchange, CC BY 2.0 https://creativecommons.org/licenses/by/2.0, via Wikimedia Commons Long-serving Conservative cabinet minister Michael Gove has announced he will not stand at the upcoming general election, marking a significant moment in the second full day of campaigning, which has seen a notable exodus of MPs. First elected as MP for Surrey Heath in 2005, Gove reportedly made this decision within the last couple of days. He is the most prominent figure among nearly 80 Conservative MPs who have decided to step down ahead of the July 4 vote, including public health minister Dame Andrea Leadsom. Gove, a close ally of Rishi Sunak, stated that the Prime Minister "has the plan our country needs." As Parliament was prorogued and a few government bills were hurried through before the cut-off, several legislative plans were either passed or left in limbo. Notably, plans to reform homeowners' rights in England and Wales were approved, albeit without the Conservative manifesto promise to significantly reduce ground rents paid by leaseholders. A pledge to abolish no-fault evictions for renters did not make it through, but a bill establishing an independent Infected Blood Compensation Authority did pass. Sunak expressed disappointment that his plan to phase out smoking did not become law in time but promised its return if the Conservatives are re-elected. Labour leader Keir Starmer, meanwhile, faced criticism for not committing to scrap university tuition fees or repeal the two-child benefit cap, citing a lack of resources. Gove, who had a majority of 18,349 at the last election, sees his Surrey Heath seat as a key target for the Liberal Democrats on July 4. The Lib Dems claimed Gove was “running scared” of their candidate Alasdair Pinkerton, who finished second in the 2019 constituency race. Sarah Olney, the Lib Dem Treasury spokesperson, remarked, "The drumbeat of Conservative MPs stepping down has been getting louder as the days go by - now it’s deafening." Gove's extensive ministerial career began when he first entered the cabinet as education secretary under Prime Minister David Cameron in 2010. He was a leading figure in the Leave campaign during the 2016 Brexit referendum, alongside Boris Johnson. Recently, he has been a key member of Sunak's team as housing minister. While the Prime Minister has yet to comment on Gove's resignation, he did emphasize his enthusiasm on a whirlwind tour of the UK as part of his first day of campaigning. In other developments, energy regulator Ofgem announced that consumer bills would drop by seven percent starting in July. Sunak hailed this as evidence that "the economy has turned a corner" and that "our plan is working." In contrast, Starmer argued that despite the lower price cap, the average family would still pay about £400 ($509) more annually than a few years ago. He proposed that his party’s plan to establish a new "Great British Energy" firm would help lower bills and spearhead a Scottish-led "clean energy revolution." Deputy First Minister Kate Forbes spent the second day of campaigning in the Highlands, highlighting the difficulties rural Scotland faces due to Brexit and pledging that SNP MPs would advocate for them. In his letter to the local Conservative Association chairman, Gove expressed gratitude to party members for their support over five general elections. He reflected on his upbringing in Aberdeen, mentioning that his adoptive parents instilled in him the belief that "to help others is the greatest gift you can be given." Gove acknowledged that he "could never have imagined" having the opportunity to be an MP, let alone serve around the Cabinet table under four prime ministers over 14 years, with a brief interruption during Liz Truss's premiership. He thanked Lord Cameron for the chance to pursue education reform, Mrs. May for her support during challenging times, and Mr. Johnson for delivering Brexit and initiating the levelling-up agenda. Gove also expressed gratitude to Sunak for asking him to return to government and continue working on levelling up. Hinting at his personal struggles, including his 2022 divorce from journalist Sarah Vine, Gove admitted, "I also know the toll office can take, as do those closest to me." He acknowledged that while the chance to serve is wonderful, "there comes a time when you know that it is time to leave. That a new generation should lead." Reflecting on Brexit, Gove said, "I am proud to have led the Vote Leave campaign alongside Boris Johnson and Gisela Stuart - which secured the largest mandate in modern British history for a vote to leave the European Union and take back control of our political destiny." He asserted that the country is stronger with politicians in Westminster controlling laws, borders, and finances. Since 2016, he noted, NHS funding has increased significantly. While admitting to mistakes, Gove emphasized that he has always strived to be a voice for the overlooked and undervalued, fighting for greater social justice and educational reforms that empower individuals to shape their own destinies. On the campaign trail, Sir Keir committed to participating in two TV election debates with Rishi Sunak. This followed Sunak’s accusation that Sir Keir was avoiding debates, with the Prime Minister expressing his willingness to debate his opponent weekly throughout the six-week campaign. Read the full article

[capitalhiremanagement]

"Understanding Uber's Range: From UberX to Uber Exec, Exploring the Ride Options"

Uber strives to continually adapt to the evolving needs of its users by offering a range of ride options tailored to different preferences and circumstances. These options not only cater to passengers' varying needs but also impact drivers' earnings, with fares differing significantly across different ride types, from the standard UberX to the premium Uber Lux service.

Each Uber ride type comes with its own set of requirements, influencing the choice of vehicle for drivers. In instances where a driver's car doesn't meet the specified criteria, there's the option to opt for a PCO car rental, providing flexibility and ensuring compliance.

Let's delve into the various ride types available in the UK and the corresponding vehicle requirements.

UberX: This is Uber's flagship service, designed to accommodate up to four passengers and known for its affordability. Vehicles for UberX must meet specific criteria, including being a four-door model, meeting local licensing authority standards for model year and condition, lacking commercial branding, and being licensed to carry four passengers.

Popular vehicle options for UberX include the Kia Niro EV and Hyundai Ioniq.

UberX Priority: A recent addition to the UK app, UberX Priority offers expedited pickups for passengers in a hurry, albeit for a small additional fee.

Notably, this feature is not yet available at airports.

UberXL: Ideal for larger groups, UberXL provides SUVs and vans capable of carrying up to six passengers. These vehicles must have sufficient boot space and be licensed accordingly. Although UberXL rides command higher fees, they present an opportunity for drivers to earn more per trip.

Uber Comfort: Offering passengers a more premium experience, Uber Comfort provides newer and more spacious cars driven by highly-rated drivers. Passengers benefit from amenities such as setting preferred temperatures and extended waiting times, albeit at a higher cost.

Notably, Give your passengers a distinctive experience with the spacious MG5 EV or the stylish MG ZS.

Uber Green: Committed to environmental sustainability, Uber Green offers rides in fully electric cars at the same price point as UberX. Drivers earn a 10% premium for each Uber Green ride, contributing to cleaner air while potentially accessing EVs through Uber Clean Air EV assistance.

Uber Exec: Catering to those seeking a premium experience, Uber Exec provides high-class rides with luxury vehicles and professional drivers. However, drivers considering exclusive engagement with Uber Exec should note the potentially lower demand compared to other services.

Uber Lux: Uber Lux represents the pinnacle of luxury, offering top-of-the-line black car service with stringent vehicle requirements. This service provides passengers with access to high-end vehicles and professional drivers, including legacy cars in pristine condition.

Uber Access/Assist: Tailored for individuals with mobility challenges, Uber Access provides wheelchair-accessible vehicles, while Uber Assist offers additional assistance for passengers in standard UberX cars.

UberPet: Designed for passengers traveling with pets, UberPet allows for the transportation of one pet per ride at a premium price. Passengers are responsible for any cleaning fees incurred due to pet-related mess.

Uber's flexibility extends to its drivers, allowing them to select the services they wish to drive for, provided they meet the respective requirements. This flexibility enables drivers to potentially drive for multiple services simultaneously, maximizing earning opportunities.

About Capital Hire management

Capital Hire Management Ltd. is London's best PCO car rental company, which provides top-notch vehicles and exceptional services to professional drivers like you! If you are looking for affordable  car hire for PCO car rental please visit our website https://www.capitalhiremanagement.co.uk/to explore our latest fleet.

our excellence is validated by driver ratings on Trustpilot. we offer access to new or recent model cars along with comprehensive training and support to enhance your profitability, safety, and overall satisfaction as an Uber driver.

Visit our London Hub located at 56 High Street Wealdstone Harrow HA3 7AF , London, reach out via email to us, or give us a call at 0208426005 to get started.

#capitalhiremanagement#capitalhire#pcocar#pcodriver#pcohire#uberdriver#boltdriver#carservice#pco#london#PHV#pcolicence#privatehire#Kiaplug-inhybrid#electricvehicle#ev

[canadafertility]

Freezing Eggs Cost in Canada: An Analysis of Expenditure and Determining Factors

In the realm of contemporary reproductive choices, oocyte cryopreservation, commonly known as egg freezing, has become an increasingly prevalent option among women in Canada. This method serves as a strategic approach to fertility preservation, particularly appealing to those who seek to delay motherhood due to personal, professional, or health reasons. This discourse aims to explain freezing eggs cost in the Canadian context and to explore the myriad factors that shape these costs.

Understanding Oocyte Cryopreservation

Oocyte cryopreservation is a sophisticated medical procedure where a woman’s ova are harvested, cryogenically preserved, and stored for potential future fertilization. This technique is often sought by individuals aiming to secure the option of biological parenthood at a later stage, amidst evolving life circumstances or health-related fertility concerns.

Constituents of Egg Freezing Costs

Medical Procedures and Diagnostic Assessments

The commencement of egg freezing necessitates a series of diagnostic assessments and medical interventions. These encompass hormonal profiling, ultrasonographic examinations, and the oocyte retrieval process itself, each incurring distinct expenses. The complexity inherent in a patient’s medical profile may necessitate additional testing, thereby influencing the cumulative cost.

Pharmacological Expenses

A substantial segment of the freezing eggs cost is attributed to hormonal medications, prescribed to stimulate ovarian activity for optimal ova yield. The cost variability of these medications hinges on the prescribed regimen’s dosage and duration, as stipulated by the attending fertility expert.

Cryogenic Storage Charges

Subsequent to the extraction and cryopreservation, the ova are stored in specialized facilities. These storage fees represent a recurrent financial commitment, and their magnitude varies based on the storage duration and the facility’s specifications.

Geographic Cost Variation

The financial requisites of egg freezing exhibit notable disparities across Canada’s diverse regions. Local economic conditions, availability of specialized medical infrastructure, and regional living costs collectively contribute to these geographical cost variations.

Clinic and Specialist Fees

The selection of a fertility clinic and specialist is a pivotal factor in cost determination. Clinics vary in their fee structures, and specialists with distinguished expertise or higher success rates might command premium fees.

Ancillary Treatments

In certain scenarios, supplementary interventions or diagnostic procedures, such as genetic screening of the ova, may be necessary. These additional procedures augment the overall financial burden of the egg freezing process.

Average Financial Outlay in Canada

The average expenditure for egg freezing in Canada oscillates between CAD 7,000 and CAD 15,000, encompassing the procedural, medication, and initial storage costs. This estimate, however, does not include the ensuing annual storage fees.

Insurance Coverage and Financial Aid

The scope of insurance coverage for egg freezing in Canada is generally limited, necessitating significant out-of-pocket expenses. Nonetheless, certain private insurance plans may partially cover these costs, particularly when medically warranted. Various clinics also offer financial assistance programs and flexible payment plans to facilitate cost management.

Epilogue

Egg freezing offers a strategic option for fertility preservation among Canadian women, albeit accompanied by notable freezing eggs cost. A comprehensive understanding of the cost determinants is imperative for individuals contemplating this option. Prospective clients are encouraged to engage in extensive research, consult diverse clinics, and consider available financial assistance to make informed decisions. It is anticipated that ongoing advancements in reproductive technologies will render such procedures more accessible and financially feasible in the future.

[fractionalrealestate]

Understanding Fractional Real Estate Investment

Fractional real estate investment has emerged as a novel approach for individuals to access the real estate market without the need for substantial capital or the burdens of property management. This concept allows multiple investors to collectively own a portion of a property, thereby diversifying their investment portfolio and potentially reducing risk.

At its core, fractional real estate investment operates similarly to traditional real estate ownership, albeit with some notable differences. Instead of owning an entire property outright, investors can purchase fractional shares of a property through specialized platforms or investment vehicles. These platforms often facilitate the acquisition, management, and eventual sale of the property, streamlining the investment process for participants.

One of the primary advantages of fractional real estate investment is its accessibility. Traditional real estate investments typically require significant upfront capital, making them inaccessible to many individuals. Fractional ownership, on the other hand, allows investors to participate in high-value properties with a much lower financial barrier to entry. This democratization of real estate investment opens up opportunities for a broader range of investors, including those with limited capital or expertise in the real estate market.

Furthermore, fractional real estate investment offers investors the opportunity to diversify their portfolios more easily. By spreading their investment across multiple properties or even different types of real estate assets, investors can mitigate risk and potentially enhance returns. This diversification can be particularly valuable during periods of economic uncertainty or market volatility when traditional asset classes may exhibit correlated behavior.

Additionally, fractional ownership provides investors with passive income streams in the form of rental yields or dividends generated by the underlying properties. This steady income can serve as a source of regular cash flow and enhance the overall return on investment. Moreover, investors can benefit from potential capital appreciation as the value of the underlying properties appreciates over time.

However, fractional real estate investment also comes with its own set of considerations and risks. Investors should carefully evaluate the terms and conditions of each investment opportunity, including fees, ownership structure, and exit strategies. Moreover, since fractional ownership typically involves multiple stakeholders, decision-making processes and governance mechanisms may vary, potentially leading to conflicts or disagreements among investors.

In conclusion, fractional real estate investment presents a compelling opportunity for individuals to gain exposure to the real estate market without the need for substantial capital or active management. By offering accessibility, diversification, and passive income potential, fractional ownership has become an increasingly popular option for investors looking to build wealth through real estate.

[drewssam]

Binance, Bybit Grab FTX’s BTC Perp Future Market Share

The collapse of FTX has led to increased competition among derivatives exchanges, with Binance and Bybit claiming approximately 10% of the Bitcoin (BTC) perpetual futures market share, according to Kaiko Data. Binance has notably gained a significant share, rising from 56% to 63% since November, emerging as a clear winner and enhancing cryptocurrency liquidity.

Bybit holds a 3% share in the BTC perpetual volume, while decentralized derivatives exchange dYdX's token saw an 18% rise. However, exchanges like OKX and Deribit struggled to gain traction.

Despite the turmoil, market depth has improved, indicating renewed capital deployment through market makers, reflecting underlying demand and supply dynamics for Bitcoin. Concerns linger regarding potential liquidity issues for Genesis and Grayscale Bitcoin Trust's parent company, Digital Currency Group (DCG).

Layer 1 (L1) tokens have declined by 34%, with Solana (SOL) leading the post-FTX price fall. Decentralized exchange (DEX) tokens have also fallen by 16%, albeit remaining relatively resilient compared to BTC.

Binance's weekly trade volumes decreased by 60%, but proactive fee reductions have helped maintain volumes above $80 billion, demonstrating resilience amid challenging market conditions.

[metamoonshots]

[ad_1] The Bitcoin worth has risen above $35,000 for the primary time since early Could 2022, for which there are a variety of causes past mere hypothesis. These are the 5 most essential causes. #1 BlackRock’s Spot Bitcoin ETF Approval Looms Massive The first driver behind the surge appears to be the rising anticipation surrounding the doable inexperienced gentle for a Spot Bitcoin ETF. The epicenter of this surge is the potential approval of BlackRock’s spot Bitcoin ETF. Fueling these speculations was a revelation from Scott Johnsson, a revered finance lawyer from Davis Polk. He noted, “So two issues caught my eye from the most recent iShares (Blackrock) S-1 modification: They’ve obtained a CUSIP in preparation for a launch. They might be trying to seed with money this month.” This sentiment was additional amplified by a picture making rounds on X, highlighting the BlackRock iShares Bitcoin Belief’s itemizing on the Depository Belief & Clearing Company (DTCC) with the ticker IBTC. Including depth to those rumors, Bloomberg’s Eric Balchunas commented, “The iShares Bitcoin Belief has been listed on the DTCC. And the ticker shall be $IBTC. Once more all a part of the method of bringing an ETF to market.” Nonetheless, James Seyffart from Bloomberg threw in a observe of warning by mentioning, “There isn't a set time. Might actually be days, or months or years theoretically.” #2 Grayscale’s ETF Dispute Reaches A Conclusion Yesterday marked a big juncture within the extended tussle between Grayscale and the U.S. Securities and Change Fee (SEC). The DC Circuit Court docket of Appeals put an finish to the courtroom case, compelling the SEC to revisit its earlier choice to say no Grayscale’s proposal to transition its Grayscale Bitcoin Belief (GBTC) right into a spot ETF. This conclusion by the courtroom affirms its preliminary judgment from two months prior, whereby it critiqued the SEC’s denial as being “arbitrary and capricious.” The SEC avoided interesting the ruling, making the courtroom’s newest motion procedural. The onus now shifts again to the SEC, leaving it with the selection to both sanction Grayscale’s software or to spurn it primarily based on different grounds. This occasion, albeit procedural, enhances the narrative suggesting an impending spot ETF approval by the SEC. #3 Bitcoin Brief Sellers Are Squeezed A big portion of the market was caught on the unsuitable foot. Brief vendor obtained rekt. Coinglass’s data reveals that a whopping $161 million in BTC futures shorts had been liquidated simply yesterday, with an extra $35 million already immediately. Drawing consideration to this pattern, Julio Moreno, CryptoQuant’s head of analysis, pointed out: The surge in Bitcoin’s worth has been primarily fueled by brief sellers having to cowl. As costs soared previous $31K, we noticed a notable drop in Open Curiosity. It’s intriguing to see a rally that doesn’t primarily begin with everybody going lengthy. Including to the narrative, Joe Consorti, a market analyst with The Bitcoin Layer, remarked, “as Bitcoin surged to $31,000, there was a noticeable accumulation of futures positions, harking back to the rally we noticed from $25k to $30k in late June. Worth surges pushed by leverage could be precarious, akin to buildings constructed on unstable grounds.” #4 Emergence Of TWAP Shopping for And Coinbase Premium In an evaluation that has intrigued many within the crypto neighborhood, Skew, a well-regarded analyst, highlighted an attention-grabbing sample in Bitcoin’s buying and selling. “There’s a discernible TWAP purchaser that has been energetic since Bitcoin hit round $30.6K. The influence of this TWAP shopping for on the value trajectory appears extra pronounced this time round,” Skew observed. Digging deeper into the numbers, he added, “If we’re estimating, it seems to be about 500k clips roughly each hour, which might equate to about $6 million. Over 5 such situations, this may accumulate to $30 million.” For these unfamiliar,

TWAP, or “Time Weighted Common Worth,” is an algorithmic buying and selling technique. Its purpose is to execute orders over a sure time-frame, making certain that the common worth throughout that interval is achieved. This methodology is very helpful for large orders, serving to mitigate any drastic worth shifts available in the market. Primarily, it signifies a significant participant, presumably an institutional investor, making vital Bitcoin acquisitions. Skew additionally touched upon the Coinbase issue: “BTC Coinbase Spot: With such aggressive TWAP shopping for, there must be substantial liquidity to cater to such a purchaser. Presently, market makers appear to be those offloading to this purchaser. If we peek on the order e-book, there seems to be a slight skew in the direction of extra ask liquidity across the $37K mark.” This statement aligns with the insights of CryptoQuant CEO Ki Younger Ju, who commented on the sudden spike within the BTC Coinbase premium, stating, “BTC Coinbase premium simply skyrocketed.” Bitcoin Coinbase premium | Supply: X @ki_young_ju #5 Max Ache For Gamma Shorts In The Choices Market The usually-complex panorama of the choices market has additionally performed a pivotal position in shaping Bitcoin’s worth transfer. Alex Thorn, the Head of Firmwide Analysis at Galaxy, drew consideration to this phenomenon, stating, “We're approaching max ache for gamma shorts.” Yesterday, NewsBTC reported a big perception: the way through which choices market makers in Bitcoin had been positioning themselves had the potential to intensify the depth of any upward worth trajectory for Bitcoin within the brief time period. Alex Thorn elaborated on this, noting, “Choices market makers in Bitcoin are more and more brief gamma as BTC spot worth strikes up. […] This could amplify the explosiveness of any short-term upward transfer within the close to time period.” Additional underlining this pattern, Thorn pointed to information from Amber and defined, “At $32.5k, market makers want to purchase $20 million of delta for each subsequent 1% transfer greater.” Thorn’s evaluation seems to have been spot-on. At press time, BTC traded at $34,029. Bitcoin touches $35,000, 1-day chart | Supply: BTCUSD on TradingView.com Featured picture from CryptosRus, chart from TradingView.com [ad_2]

[ailtrahq]

The Litecoin blockchain has now facilitated over 180 million transactions in total, according to an announcement from the Litecoin Foundation this week. The milestone comes amid a surge in on-chain activity, with Litecoin already registering 51 million transactions in 2023 alone as of October. That figure for this year has already eclipsed the full-year record of 39 million transactions set in 2022. Also read: Sam Altman Talks About US Govt’s Crypto Clash on Joe Rogan The #Litecoin network just processed its 180 millionth transaction! Last year there were a record total of 39 million in the whole year. So far we've seen 51 million transactions in 2023 a new record! pic.twitter.com/BazObGlmPi— Litecoin Foundation ⚡️ (@LTCFoundation) October 9, 2023 Notable milestone show growing Litecoin adoption The accelerating transaction count underscores LTC’s growing adoption and utility over a decade after its launch. As one of the longest-running cryptocurrency networks, the network continues to attract users drawn to its scalability, low fees, and integration with services like PayPal. Critics also contend that privacy-focused rivals offer Litecoin little differentiation anymore regarding fungibility and confidentiality. Litecoin once benefited from these dimensions before anonymity features became commonplace. Also read: Ethereum Foundation Sold 1,700 ETH for $2.74 Million USDC LTC currently holds the position of being the fifteenth largest cryptocurrency, with a market capitalization of $4.63 billion. As of the time of this writing, LTC has experienced a 0.70% decrease in value over the last 24 hours, with its price currently at $62.83. Still, it maintains an ardent community bullish on further disrupting both crypto and mainstream payments. Its growing transaction count confirms steady, albeit slow, progress in seeing broader adoption.

[birdzflycom]

Personal Loan How Does it Work? Banking Systems Process

How Do Personal Loans Work? Let us journey back a decade when the panorama of borrowing was considerably narrower. The choices available were somewhat stark: one could opt for the conventional credit card, albeit often entailing exorbitant interest rates, or endeavor to secure a conventional bank loan, a pursuit demanding pristine creditworthiness. This financial topography underwent a profound transformation during the crucible of the 2008 economic downturn. Faced with a dearth of lending activities from traditional banks, a cadre of financial technology startups, commonly known as FinTechs, burgeoned onto the scene, proffering personal loans as an alternative. Leveraging innovative underwriting methodologies and predictive algorithms, they engineered a burgeoning market that has thrived ever since. According to TransUnion, the venerable credit scoring entity, unsecured personal loans attained a zenith of $138 billion in 2018. Notably, this surge was largely fueled by the ascendancy of personal loans originated by FinTech enterprises. Remarkably, the average loan size during the fourth quarter of 2018 stood at $8,402. It is worth underscoring that in 2018, Fintech loans accounted for a staggering 38% of the overall lending activity, a stark contrast to the mere 5% registered just half a decade earlier. Related: Compare Personal Loan Rates

How Personal Loans Work?

Personal loans manifest in myriad forms, encompassing both secured and unsecured variants. In the case of a secured personal loan, borrowers are obliged to proffer collateral or an asset of commensurate value as a safeguard against default. In the unfortunate event of default, the lender has recourse to seize the collateral. Noteworthy examples of secured debt include mortgages and auto loans. On the flip side, unsecured loans, the more prevalent category of personal loans, do not necessitate collateral. However, this absence of collateral does not equate to impunity from repercussions. Defaulting on an unsecured personal loan can inflict a grievous blow to one's credit score, precipitating an escalation in borrowing costs, in some instances, to an alarming degree. Furthermore, the lender reserves the prerogative to institute legal proceedings to recover the outstanding debt, inclusive of accrued interest and fees. Typically, unsecured personal loans find employment in financing significant outlays, such as weddings or vacations, ameliorating high-interest credit card debts, or amalgamating disparate student loans. These loans are typically disbursed as lump sums, deposited into the borrower's bank account. Repayment is generally conducted over a predefined period at a fixed interest rate, spanning anywhere from one to ten years, subject to variations among lenders. For instance, SoFi, an online lending entity, extends personal loans with terms spanning three to seven years, while Marcus by Goldman Sachs proffers loans ranging from three to six years. For borrowers who grapple with uncertainty regarding their precise financial needs, a personal line of credit presents an alternative. This is an unsecured revolving credit line endowed with a predetermined credit ceiling, resembling, in many respects, a credit card. Typically, the interest rate on such a revolving line of credit is variable, fluctuating in tandem with prevailing market interest rates. Borrowers are only obligated to repay the amount they draw from the credit line, along with accrued interest. These lines of credit often find utility in funding home improvements, fortifying against overdrafts, or serving as a financial lifeline in exigent situations.

The Credit Quotient Governing Borrowing Costs

In the calculus of ascertaining the feasibility of procuring a personal loan, the crucible of one's credit score emerges as a pivotal determinant. This numeric metric, spanning the spectrum from 300 to 850, serves as a barometer of one's likelihood to honor financial obligations, predicated on historical financial conduct and a panoply of other factors. Most lending institutions prescribe a minimum credit score of 660 as a prerequisite for personal loan eligibility. Subpar credit scores invariably usher in exorbitant interest rates, rendering personal loans a financially onerous recourse. Conversely, credit scores exceeding 800 pave the way for the most favorable interest rates attainable in the lending domain. The calculus underpinning credit score computation hinges on the amalgamation of sundry factors, with certain components carrying greater gravitas than others. For instance, 35% of a FICO score, the preeminent scoring system embraced by 90% of lenders, pivots on one's payment history. Lenders diligently scrutinize past financial conduct to prognosticate future fiscal responsibility. An abundance of belated or omitted payments serves as a glaring red flag. To preserve the salubriousness of this aspect of one's credit score, punctual payments are imperative. The runner-up in this equation is the ratio of outstanding credit card debt relative to one's credit limits, a parameter denoted as the credit utilization ratio, wielding a 30% influence over the credit score. It scrutinizes the quantum of credit extended to an individual and the corresponding available credit. A lower ratio augurs favorably for creditworthiness. The length of one's credit history, the diversity of credit accounts held, and the volume of recent credit applications comprise the remaining factors shaping the credit score. Beyond the confines of the credit score, lenders cast a discerning eye on a panoply of additional variables. These include income, employment history, liquid assets, and the aggregate quantum of existing debts. Lenders are resolute in their quest to ascertain the borrower's capacity to service the loan. A higher income, augmented by substantial assets and diminished existing debt, bolsters one's appeal in the eyes of prospective lenders. The crux of the matter is that a robust credit score is not merely a gateway to loan approval; it profoundly influences the quantum of interest payments over the life of the loan. ValuePenguin elucidates that borrowers commanding a credit score ranging from 720 to 850 can anticipate interest rates spanning from 10.3% to 12.5%. Conversely, those bearing credit scores between 680 and 719 are subjected to heightened interest rates, spanning from 13.5% to 15.5%. For individuals nestled in the 640 to 679 credit score range, the interest rates escalate to a daunting 17.8% to 19.9%. Delving further into the credit abyss, scores below 640 render borrowing cost-prohibitive, with interest rates catapulting into the ominous range of 28.5% to 32%.

There’s A Trade-Off

Personal loans proffer an enticing avenue for financing substantial outlays or alleviating the burden of high-interest debt. These loans afford borrowers a degree of latitude in tailoring monthly payments to align with their financial straits, with longer terms translating into more modest monthly obligations. However, this convenience comes at a price: extended loan tenures incur elevated interest rates. For elucidation, consider a personal loan extended by SoFi as an exemplar. A borrower boasting impeccable creditworthiness can procure a three-year loan at a rate of 5.99%. Yet, should the borrower opt for a seven-year term, the interest rate escalates to 9.97%. Analogously, at Citizens Financial Group, the interest rate registers at 6.79% for a three-year loan, while a seven-year loan demands 9.06%. At LightStream, a subsidiary of SunTrust Bank, the interest rate commences at 4.44% for a three-year term, while a seven-year term levies a 5.19% interest rate. Additionally, it is imperative to scrutinize loan origination fees that some lenders impose. These fees defray the expenses associated with processing loan applications and can augment the overall cost of borrowing. On a positive note, the landscape is evolving, with origination fees receding, particularly among digital lending platforms. Notable online lenders, including SoFi, LightStream, Marcus by Goldman Sachs, and Earnest, have ceased levying origination fees, although they uniformly stipulate a minimum credit score threshold of 660. Consequently, when embarking on a quest for a personal loan, it is incumbent upon borrowers to juxtapose annual percentage rates (APR), which encapsulate both interest rates and fees, thereby furnishing a comprehensive vista of the total expenditure. In summation, a personal loan constitutes a rational conduit for financing substantial expenses or amalgamating high-interest debts, contingent upon one's creditworthiness. For borrowers whose credit scores languish below the zenith, accepting a higher interest rate may represent a calculated trade-off if it affords respite from onerous debt burdens. Prior to committing to this financial endeavor, prudent arithmetic dictates an assessment of the interest rate, fees, and terms. In scenarios where debt consolidation incurs exorbitant expenses, alternative avenues warrant exploration to identify the optimal financial solution. FAQ: 1. What is a personal loan How do they work? Ans: Personal loans represent a manifestation of installment-based credit systems. In stark contrast to the modus operandi of credit cards, personal loans entail the disbursement of a solitary lump sum of monetary resources to eligible recipients. Subsequently, these beneficiaries are entrusted with the responsibility of reimbursing this principal sum alongside accrued interest through the course of regularly scheduled, monthly installments, a period often referred to as the loan's designated term. 2. What is the risk of a personal loan? The inquiry into the perils associated with securing a personal loan reveals a multifaceted terrain. These hazards encompass elevated interest rates, prepayment levies, origination surcharges, potential detriment to your creditworthiness, and the looming specter of an insurmountable financial encumbrance. 3. Is personal loan good or bad? Personal loans boast a multifaceted utility, ranging from debt consolidation to settling medical expenses. Opting for a personal loan represents an advantageous option when seeking substantial financial backing without the constrictions associated with earmarked funding. Prudently ascertain the permissible applications stipulated by your lending institution prior to initiating the application process. 4. What are the basics of personal loan? A personal loan, often referred to as an unsecured financial instrument, is extended by banking institutions. This extension is predicated on various factors, including one's employment history, repayment aptitude, income threshold, occupational category, and credit dossier. The personal loan, sometimes denoted as a consumer credit, is a versatile financing tool, allowing for the fulfillment of an array of immediate financial requisites. 5. What is one benefit of a personal loan? Exalted Interest Rates in Comparison to Credit Cards Within the realm of personal loans, the prevailing interest rates stand as a testament to fiscal prudence, markedly inferior to the exorbitant levies imposed by credit cards. This financial disparity heralds the potential for substantial savings as one dutifully retires their indebtedness. Read the full article

[pooma-education]

தமிழில்

Learning Vs Education

Dr. Balasubramanian - UN Educationist

Life is a constant process of learning about the unstructured aspects of life in a structured manner. Even though a month or a year on the calendar may not always align perfectly with the ideal durations of 30, 31, or 28 days, or 365 days, a year is technically considered to be 365 days, 6 hours, and approximately 8 minutes. This discrepancy is balanced every four years by adding an extra day to February, making it a leap year with 29 days. Those born on this extra day are often considered unlucky, while their parents may be seen as fortunate (as they can celebrate their child's birthday once every four years).

Another contradiction arises in the context of seminars for senior individuals such as principals, mentors, and doctors. Sometimes, certain individuals are suspended or not permitted to attend these seminars or workshops due to various reasons. Some may have applied after the deadline, failed to pay the fees, or arrived late after the program had already started. Strict conditions dictate that once the program begins, the doors must be closed to avoid disruptions. It is worth noting that I too have had an experience where I faced an inquiry for arriving late to a private training program for which I had paid, only to receive advice from a stranger who claimed to be a management guru.

The idea being conveyed is that once you decide to be part of a community or society, it is difficult to escape the concept of slavery, albeit in a different form. Language acts as a barrier in communication and understanding. A notable example of someone who questioned the traditional school system and sought an alternative approach to education is Rabindranath Tagore, a highly respected individual who was awarded the Nobel Prize. He pursued his learning through a homeschooling system and expressed numerous complaints about the existing school system. Eventually, he established his own school and university. However, even in such instances, one cannot completely escape the system. Whether the system is flawed or worse, individuals are still bound to abide by its rules.

The same principle applies to various systems, such as reservation policies, poor employability, poor performance, or inadequate outputs. These systems may seem unchangeable or corrupt, but one still has to adhere to them. We often find ourselves as spectators in conflicts between countries like Ukraine and Russia, despite the presence of bodies like the United Nations. Investigations by these bodies may take years or even decades to reach conclusions, such as the case with Sri Lanka's eradication of the LTTE (Liberation Tigers of Tamil Eelam) or the ongoing Palestinian-Israeli issue. I apologize for the lengthy message, but I hope this clarifies and corrects any errors or misunderstandings.

கற்றல் Vs கல்வி

டாக்டர் பாலசுப்ரமணியன் - ஐ.நா கல்வியாளர்

வாழ்க்கை என்பது வாழ்க்கையின் கட்டமைக்கப்படாத அம்சங்களை ஒரு கட்டமைக்கப்பட்ட முறையில் கற்றுக்கொள்வதற்கான ஒரு நிலையான செயல்முறையாகும். காலெண்டரில் ஒரு மாதம் அல்லது ஒரு வருடம் எப்போதும் 30, 31, அல்லது 28 நாட்கள் அல்லது 365 நாட்கள் என்ற சிறந்த கால அளவுகளுடன் சரியாகச் சீரமைக்கப்படாவிட்டாலும், ஒரு வருடம் தொழில்நுட்ப ரீதியாக 365 நாட்கள், 6 மணிநேரம் மற்றும் தோராயமாக 8 நிமிடங்களாகக் கருதப்படுகிறது. ஒவ்வொரு நான்கு வருடங்களுக்கும் இந்த முரண்பாடு பிப்ரவரி மாதத்திற்கு ஒரு கூடுதல் நாளைச் சேர்ப்பதன் மூலம் சமன் செய்யப்படுகிறது, இது 29 நாட்கள் கொண்ட லீப் ஆண்டாக மாறும். இந்த கூடுதல் நாளில் பிறந்தவர்கள் பெரும்பாலும் துரதிர்ஷ்டவசமாக கருதப்படுகிறார்கள், அதே சமயம் அவர்களின் பெற்றோர்கள் அதிர்ஷ்டசாலிகளாகக் கருதப்படலாம் (நான்கு ஆண்டுகளுக்கு ஒருமுறை அவர்கள் தங்கள் குழந்தையின் பிறந்தநாளைக் கொண்டாடலாம்).

அதிபர்கள், வழிகாட்டிகள் மற்றும் மருத்துவர்கள் போன்ற மூத்த நபர்களுக்கான கருத்தரங்குகளின் சூழலில் மற்றொரு முரண்பாடு எழுகிறது. சில நேரங்களில், பல்வேறு காரணங்களால் குறிப்பிட்ட நபர்கள் இடைநீக்கம் செய்யப்படுகிறார்கள் அல்லது இந்தக் கருத்தரங்குகள் அல்லது பட்டறைகளில் கலந்துகொள்ள அனுமதிக்கப்படுவதில்லை. சிலர் காலக்கெடுவிற்குப் பிறகு விண்ணப்பித்திருக்கலாம், கட்டணம் செலுத்தத் தவறியிருக்கலாம் அல்லது திட்டம் ஏற்கனவே தொ���ங்கிய பிறகு தாமதமாக வந்திருக்கலாம். நிரல் தொடங்கியவுடன், இடையூறுகளைத் தவிர்க்க கதவுகள் மூடப்பட வேண்டும் என்று கடுமையான நிபந்தனைகள் கட்டளையிடுகின்றன. நான் செலுத்திய ஒரு தனியார் பயிற்சித் திட்டத்திற்கு தாமதமாக வந்ததற்காக விசாரணையை எதிர்கொண்ட அனுபவம் எனக்கும் உண்டு என்பது குறிப்பிடத்தக்கது, மேலாண்மை குரு என்று கூறிக்கொள்ளும் அந்நியரிடம் ஆலோசனை பெறுவதற்காக மட்டுமே.

தெரிவிக்கப்படும் கருத்து என்னவென்றால், நீங்கள் ஒரு சமூகம் அல்லது சமூகத்தின் ஒரு பகுதியாக இருக்க முடிவு செய்தவுடன், அடிமைத்தனம் என்ற கருத்தாக்கத்திலிருந்து தப்பிப்பது கடினம், இருப்பினும் வேறு வடிவத்தில். தொடர்பு மற்றும் புரிதலில் மொழி ஒரு தடையாக செயல்படுகிறது. பாரம்பரிய பள்ளி முறையை கேள்விக்குட்படுத்திய மற்றும் கல்விக்கு மாற்று அணுகுமுறையை நாடிய ஒருவரின் குறிப்பிடத்தக்க உதாரணம், நோபல் பரிசு பெற்ற மிகவும் மதிக்கப்படும் நபரான ரவீந்திரநாத் தாகூர். அவர் வீட்டுக்கல்வி முறையின் மூலம் தனது கற்றலைத் தொடர்ந்தார் மற்றும் தற்போதுள்ள பள்ளி முறை குறித்து பல புகார்களை தெரிவித்தார். இறுதியில், அவர் தனது சொந்த பள்ளி மற்றும் பல்கலைக்கழகத்தை நிறுவினார். இருப்பினும், இதுபோன்ற சந்தர்ப்பங்களில் கூட, ஒருவரால் முழுமையாக கணினியிலிருந்து தப்பிக்க முடியாது. அமைப்பு குறைபாடுடையதாக இருந்தாலும் அல்லது மோசமாக இருந்தாலும், தனிநபர்கள் இன்னும் அதன் விதிகளுக்குக் கட்டுப்பட வேண்டும்.

இட ஒதுக்கீடு கொள்கைகள், மோசமான வேலை வாய்ப்பு, மோசமான செயல்திறன் அல்லது போதுமான வெளியீடுகள் போன்ற பல்வேறு அமைப்புகளுக்கும் இதே கொள்கை பொருந்தும். இந்த அமைப்புகள் மாறாததாகவோ அல்லது ஊழல் நிறைந்ததாகவோ தோன்றலாம், ஆனால் ஒருவர் இன்னும் அவற்றைக் கடைப்பிடிக்க வேண்டும். ஐக்கிய நாடுகள் சபை போன்ற அமைப்புகள் இருந்தாலும், உக்ரைன், ரஷ்யா போன்ற நாடுகளுக்கு இடையே நடக்கும் மோதல்களில் நாம் பெரும்பாலும் பார்வையாளர்களாகவே காணப்படுகிறோம். விடுதலைப் புலிகளை (தமிழீழ விடுதலைப் புலிகள்) இலங்கை அழித்தது அல்லது நடந்துகொண்டிருக்கும் பாலஸ்தீன-இஸ்ரேல் பிரச்சினை போன்ற முடிவுகளுக்கு இந்த அமைப்புகளின் விசாரணைகள் பல ஆண்டுகள் அல்லது பல தசாப்தங்கள் ஆகலாம். நீண்ட செய்திக்கு நான் மன்னிப்பு கேட்டுக்கொள்கிறேன், ஆனால் இது ஏதேனும் பிழைகள் அல்லது தவறான புரிதல்களை தெளிவுபடுத்தும் மற்றும் திருத்தும் என்று நம்புகிறேன்.

[othervee]

I work in education, albeit on the other side of the world from Sweden, and have some experience with scholarships and financial assistance grants for students at my own and other institutions. I am pretty sure that August would not be eligible for the kinds of grant he is suggesting for Sara.

Many institutions and external funding bodies offer grants for access/equity/inclusion. They are there to provide extra support to a student who would otherwise face extra difficulties in accessing their education which the 'average' student would not. The most common reason for this is financial hardship although it can also be for disability, illness, living in a remote location, challenging family background with no family support, many other reasons. Academic merit may taken into consideration, as you want to support students who have the potential to succeed at their studies, but the primary focus will be overcoming their disadvantage.

August, although he is temporarily broke, would never qualify. He comes from a place of privilege, has had his school fees paid right up until his final year, and is sitting on valuable assets which can easily be liquidated.

Sara, OTOH, has several areas of disadvantage to take into consideration. If I were writing her grant application and was as savvy about it as August obviously is, I would frame it like this.

Sara is neurodivergent and was bullied at her old school as a result. This impacted her studies causing her to repeat a year.

Sara's family situation has also negatively impacted her studies due to the break-up of the family unit while she was at a critical life stage (I might also bring in the stress and threat of family violence if Sara was willing for me to do so).

While Sara's custodial parent is supportive and positive about her daughter's education, as a working single parent it can be challenging for her to provide the hands-on guidance that Sara sometimes needs.

At Hillerska, Sara has come into a supportive and nurturing learning environment where her peers have been welcoming and accepting. As a result she has improved both her academic performance and her social skills.

Sara's family are unable to financially support her to board at Hillerska, although becoming a Hillerska resident would enable her to further develop her social skills amongst her peers. It would also provide her with a supportive and immersive learning environment, with staff on-hand to provide ongoing supervision and keep an eye out for potential difficulties

Finally, boarding at Hillerska will open future doors for Sara, enabling her to make connections and develop networks that she wouldn't otherwise have access to.

Note that not everything I've said here is entirely true (the girls at Hillerska certainly didn't accept and nurture Sara at first!). But this is how I would frame it for maximum impact.

It's notable that Sara had apparently not been aware that there were grants that could enable her to board at Hillerska until August told her there were. It's a recurring issue in real life too that the students who need financial support the most are often not the ones that apply for it because they don't know it exists, or they don't have parents or teachers to help them apply.

No, wait, because if Hillerska had enough money to give Sara a grant, why on god’s green earth did they not offer it to August before the break?

Like they knew he didn’t have money, they knew he was going to get kicked out, they had meetings about what to do, and they didn’t think to, I don’t know, tell him to apply for that grant? Or just give it to him?

WHAT WAS THE REASON?

Like I hate August so much, but those adults absolutely had it out for him. They magically found enough money to board a student a month after literally kicking him out of school?!

reason 5897 to hate the adults in this series.

[courage-a-word-of-justice]

Cyberpunk!HypMic

This is an extension of the cyberpunk outfits from this AU.

Originally, these outfits did not have their own universe to exist in - they were just made to fit a theme - but it just so happens HypMic already has a lot of the components required for cyberpunk...(but yikes, this is the densest AU - in terms of worldbuilding - I've had yet...)

TDD, MCD, Kuujaku Posse and NB existed in the past, but not in the context of the DRB - they were just groups of unlikely friends with differing reputations that retroactively came to be known under popular monikers and they ended up accepting those names over time. After WW3 and Chuohku's take over, technology rapidly advanced but society as a whole was wrecked.

As a reminder, the base outfit in this world is a silver body suit which only exposes the head, hands and feet, with black combat boots and a black belt.

In this world, this outfit is typically issued by Chuohku via people like Ramuda, although as you can tell by the outfits given in the magical boy AU, what you put on top of the base outfit can vary wildly. The boots and the belt can be swapped with something else without any trouble - the only thing that can get you into trouble with the authorities is ditching the suit. The body suit is able to purify polluted air within a short distance of itself, but only for the user.

All suit users have an accent colour, typically found on places like the top edge of the boots and on buttons, and the accents glow faintly in the dark. The colours have been adjusted slightly from the magical boy AU to create better glow effects.

...For the outfits that aren't specified, known from the magical boy AU or the same as canon in cases where the character does not rely on the suit, I'll leave them to your imagination, dear readers.

BB:

A team of brothers and odd jobs workers who navigate the digital and the real world to help those in need.

Ichiro: The owner of Odd Jobs Yamada. Prone to poking around with the latest in virtual reality, as well as illegal or semi-legal cybernetics. Resents Samatoki because he interferes with the Yamadas' business often enough to be a nuisance. Accent colour: Bright red.

Jiro: A delinquent and the more physical member of Odd Jobs Yamada (i.e. instead of trying to shut down bad guys using digital trickery, he's more likely to punch them instead). Was going to high school before circumstances shut schools down. Accent colour: Bright (royal) blue.

Saburo: A genius hacker. Was going to middle school before circumstances shut schools down. Accent colour: Bright yellow.

MTC:

An ad hoc crew who, in this world, have much weaker relationships than they do in canon.

Samatoki: A yakuza second-in-command, currently in possession of a strange black cybernetic glove which covers his right arm from the hand up to the elbow. The glove is able to control the air purification feature of the suits, so it's a particularly nasty bit of contraband. Resents Ichiro because Ichiro made a prototype of the glove and that was the last chance Samatoki had of convincing Nemu not to join Chuohku, but she joined them anyway. Also came into possession of an humanoid mecha, via Riou, which became the base of the new Yotsutsuji. Wears his TDD jacket over his shoulders. Accent colour: Indigo.

(Nemu: Currently with Chuohku to improve the world from within the government. Sent the completed glove to her brother because she knew he would keep it safe. Accent colour: Magenta (aka "Chuohku pink").)

Jyuto: A corrupt cop, currently investigating the glove in Samatoki's possession. More overworked than his canon counterpart...Even his trademark glasses have been digitised - they have a small antenna on the left side and can display information on the lenses when Jyuto gives them a mental signal (the display is in his accent colour). Accent colour: Maroon.

Riou: A former navyman who lives in nature, despite it being irreparably wrecked, and would rather not deal with the digital world, considering he's a cyborg (this is how he gets around not having the suit - he was experimented on in Chuohku's pursuit of creating a new supersoldier). Gave Samatoki an ancient industrial military-grade humanoid mecha which is about as tall as he (Samatoki) is.

FP:

Gentaro doesn't know Ramuda and Dice in this world.

Ramuda: A fashion designer who hands out government-mandated suits (for a small fee) while trying to ask out as many ladies as possible. Also sells other items to go with the suits, as would be expected of a typical fashion designer. His allegiance to Chuohku is a lot clearer in this world, but he's not a clone in this - just a normal human with hair dyed pink. Accent colour: Light orange (as per the magical boy AU).

Gentaro: A writer who makes his stories "real" via virtual reality and partnerships with others, such as Odd Jobs Yamada. Has material in some of his stories which he can use to blackmail Chuohku with. Hides his suit under traditional Japanese clothes. Accent colour: Bright purple.

Dice: Officially, he's a gambler who gambles with digital money and can't afford the suit. (Ramuda is not only something like a debt collector to him, he's also Dice's minder and enabler of sorts.) Unofficially, he's the son of Otome, the leader of Chuohku, who, when he was disowned by his family, lost access to the suits. As a result, he occasionally struggles to breathe and has to be helped by someone every so often. (Maybe if Hitoya or Jakurai met him in this world, Dice would be properly saved...?)

MTR:

Jakurai: A doctor, albeit one who prefers to use old-fashioned (that's "modern" to us) methods where possible. Chuohku believes gathering data from his brainwaves is necessary for the progress of developing new medical technology (or so they say...), so he wears a strange device which loops around the back half of his head and sits over his hair, attached to his head by two round (glowing) suction cups just above his ears. Wears his doctor's coat over the suit. Acts as Doppo and Hifumi's therapist and/or meditates in his spare time. Accent colour: Cyan.

Yotsutsuji: Currently in a coma after Chuohku's experiments for new supersoldiers. With the help of the former TDD, Jakurai has placed what could be salvaged of Yotsutsuji's consciousness into a humanoid mecha.

Hifumi: The no. 1 host of Fragrance. Uses virtual reality, projection mapping and other technologies to create entertainment for his clients. Afraid of women, but rather than his jacket, in this world he uses the same technology that aids him in his work to escape them. Accent colour: Neon green.

Doppo: A salaryman with appallingly low pay, no matter how hard he works, due to the fact technology is advanced enough in this world to give him a run for his money...He's lucky he has Jakurai and Hifumi to keep him sane... Accent colour: Teal.

DH:

Rei knows about Sasara and Rosho in this world, but they don't know about him.

Sasara: A comedian, currently under the heel of Chuohku. To this end, there are only certain kinds of jokes he's allowed to say while performing in public, although Sasara tries to get around this as much as he can when he can and secretly wishes to tear down the system with the former TDD + MCD so he can say what he likes again. Remotely communicates with Rosho via a visor and wears a leather jacket similar to Samatoki's TDD jacket in memory of MCD. Accent colour: Bright pink (as per the magical boy AU).

Rosho: A teacher, who lost his job when the school system broke down. He relies on Sasara to provide his basic necessities, but also takes occasional jobs to teach children in small groups or one-on-one, even teaching them comedy skills if he deems it necessary for them to survive in this wartorn world. Remotely communicates with Sasara via a display built into his glasses (which he otherwise wears purely for cosmetic reasons). Accent colour: Purple.

Rei: The creator of various technologies and creations prior to the war, most notably the ubiquitous suits. Currently gathering Jakurai's brainwave data for his own purposes. Has a strange relationship with the upper management of Chuohku, particularly Otome. Instead of sunglasses, he wears a (purely cosmetic) sniper's monocle over his left eye. Accent colour: Orange.

BAT:

Kuko: Back to being a delinquent, after people stopped believing in religion in exchange for technology. However, he still holds on to his beliefs, with the idea that one day, he can bring Buddhism back to a world that needs something to believe in. To this end, he uses virtual reality to recreate the pre-war world as he remembers it. Wears a teal happi coat over his suit and his prayer beads dangle out of his pocket. Accent colour: Mint green. Also known to commonly ditch the government-mandated suit for a particular respirator system created by Hitoya, which has a mess of wires going from the back of his head and going to either his neck or his shoulders (it looks similar to how the robot from the cover art of In My Mind's Axwell Mix has it) - this is due to the fact it looks intimidating and cool, yet it can be a pain to move around with at times.

Jyushi: A visual kei musician who enhances his shows with virtual reality, projection mapping and so on. People get confused when they involve Amanda "coming to life", but they roll with it anyway. Accent colour: Gold (essentially, a darker yellow than Saburo's).

Hitoya: A former lawyer, whose services are no longer needed now that the rules of society the law should operate in do not apply. This freed up his time to pursue his own interests, including creating portable respirator technology which Kuko and Jyushi try out for him (he does this with some help from some connections in the medical field, including Jakurai).

[dojocobol-blog]

Buy Bitcoin in South Korea

South Korea is famend for its wealthy history and remarkable monetary and technological achievement. The u . S . Is ranked as one of the G-20 fundamental economies and, informally, as one of the four “Asian Tigers.” South Korea has made especial development inside the manufacturing of electronics and cars, being home to agency the front runners which incorporates Samsung (that is fabricating Bitcoin mining chips), LG Electronics, Kia, and Hyundai. South Korea additionally boasts worldwide beauty excessive-tech towns such as Seoul, the capital.

It’s no longer sudden that cryptocurrency has thrived in such an advanced and wealthy u.S.A., for the reason that net penetration and financial sophistication are a number of the important drivers of crypto adoption. What’s surprising is that the crypto boom got here alternatively past due to South Korea; after the usa, Europe and China have been already onboard, South Koreans handiest in truth had been given into Bitcoin in a big way round 2014.

In 2018, South Korea has one among the largest markets for cryptocurrencies within the international, ranked just in the returned of the united states and Japan, which respectively have about 6 and a pair of.Five instances South Korea’s populace. South Korea’s huge consistent with capita crypto adoption is said to result from one-1/3 of all salaried personnel being energetic in crypto buying and selling and / or funding. Obviously, most of those market contributors are concerned with Bitcoin.

At some stage in the 2018 undergo marketplace, the issues for Bitcoiners in South Korea were compounded via some stringent government regulatory movements. Buying and selling in cryptocurrency, specifically ICOs, come to be notably disrupted via South Korea’s tough new hints. However, it appears that evidently the government is starting to ease its policies as we head into the 1/three area of 2018. Plainly the Korean blockchain revolution is prepared to preserve, albeit at a more confined pace.

This article objectives to tell South Koreans as to their modern-day regulatory environment as regards to cryptocurrency, further to present an reason for how to shop for Bitcoin using a credit or debit card from within South Korea.

Authorities guidelines

Many South Korean banks, such as Shinhan financial organization, furnished anonymous “virtual monetary institution debts” for clients trying to fund their crypto exchange debts. This exercise decreased everyday banking fees and delays, facilitating low-friction crypto purchases and sales for South Koreans. But, this exercising has now been banned, and now only ordinary, named monetary organization bills can be used for crypto shopping for and promoting.

The South Korean crypto craze and the subsequent multiplication of associated exchanges, corporations and services, attracted pretty a few governmental interest. The records that North Korean hackers suspected of concentrated on crypto exchanges in South Korea and Japan also raised legit eyebrows.

Those developments, coming after the South Korean government had legalised charge facilitation with the aid of the use of crypto service providers in July of 2017, sounded a phrase of warning. Rumours of a South Korean ban commenced to swirl through worldwide markets. Following the draconian crypto alternate clampdown in China, the South Korean market had grown to end up some thing of an alternative choice to chinese call for.

The scenario got here to a head in September of 2017, whilst the government banned ICOs (preliminary Coin services). In January 2018, the Korean authorities became rocked via an insider buying and selling scandal, while it transpired that numerous economic Supervisory carrier staffers supplied their crypto holdings shortly earlier than the Justice Minister publically (and erroneously) stated that the government was close to banning cryptocurrency.

In July of 2018, The Korea times counseled that the government had drafted bills to introduce crypto guidelines, aimed closer to preventing cybercrimes and cash laundering.

Even as the government is concerned about the protection and monetary dangers of crypto, the (enormous) financial organization of Korea is unphased. The BOK stated that the “mere” 2 trillion obtained (about $18 billion US dollars) invested within the nearby crypto enterprise poses no threat to the 26 trillion obtained deposits in the united states’s brokerage homes.

While the usa of a unearths a appropriate regulatory route, companies and country-owned corporations  are seeking to harness the era at the back of the blockchain.

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Genuine South Korean Blockchain Adoption

South Korea’s largest smartphone enterprise, the KT corporation, is set to release its personal blockchain-powered network. This blockchain layer is about to be introduced on pinnacle of their present network. The employer says this may carry a brand new level of protection and transparency to its community.

Further, the Korea Housing Finance business enterprise and the Korea internet & protection organisation have decided to collaborate on blockchain file garage. This machine will control files for mortgages and distinct loans, while supplying safety for client information and progressed performance.

The executive district of Yeongdeungpo-gu has moreover primarily based its concept assessment machine on blockchain workings. This tool is set to beautify the protection and integrity of administrative paintings whilst dashing up consequences and perception reviews.

Those inclinations hint that the government seeks to include rather than extinguish blockchain era.