Unwanted Car Removals
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WikiEarth is a proposal for a new Wikimedia project. Basically it's a atlas in wiki format. It would have continents (linked to on the main page) that have maps of that continent and links to countries or regions in that continent. The country pages would have maps and links to states/provinces. There would be maps eventually to the city level.
On pages, there would be different maps. There would be different types of maps. Some would be political, geographical, show population, election results, etc. The maps wouldn't include subway/LRT maps, Bus Routes, Train Routes, Airline maps, ferry maps, you get the picture. The maps could come from the CIA World Factbook, Wikimedia Commons and other free resources.
Why this project shouldn't be combined with any other Wikimedia Project
[Wikipedia articles are not] Mere collections of photographs or media files with no text to go with the articles. If you are interested in presenting a picture, please provide an encyclopedic context, or consider adding it to Wikimedia Commons. If a picture comes from a public domain source on a website, then consider adding it to Wikipedia:Images with missing articles or Wikipedia:Public domain image resources.
- It shouldn't be with Wikimedia Commons because it is just listings of media while WikiEarth is organized. WikiEarth is an atlas not a photo album.
- This project is perfect for the wiki universe because it is exactly aligned with the ideals of the wikiproject - free information for all.
- F. Terran
- Richard Melo
- Paul Noundre Nothbad
- JJohnson1701 - definitely. Something where we can pull up a map of, say, England, and click on the language links to see the names in foreign languages, and click on that language's article on that city, village, or whatever. That'd be awesome. Perhaps it would need a list of the places, perhaps in system messages, and then a translation as well.
- JosN A Wikiatlas exists on Commons already. That could be transferred to a new Wikiearth, Wikiatlas or whatever. A atlas with a lot of information does not seem logical to me for Commons, so, a new wiki would be preffered, I guess.
- User:WikiEarth I really like the idea of having a wiki atlas, even before I saw this proposal. I made my own wiki called wikiearth if you want to check it out.
- TheFearow Seems great - in a wiki environment, we can provide some fantastic detail on places not otherwise discussed in traditional atlases.
- Like Wikimapia? OK... Support. Ionas68224
- drini [es:] [commons:] 0
- Anonymous Dissident - I like the name Wikimaps best of all. AnonymousDissident
- Diez2 I like it.
- Sounds like a good idea...--Kushan I.A.K.J
- --OosWesThoesBes 18:49, 11 July 2010 (UTC)
- Дмитрий talk+ 12:43, 3 June 2011 (UTC)
- Wer900 (talk)


Today there is approximately $5.2 Trillion saved in 401(k) plans on behalf of more than 55 million active participants. Retirement plans established under Section 401(k) of the Internal Revenue Code, commonly referred to as “401(k) plans,” have become one of the most popular types of employer-sponsored retirement plans.
What is a 401(k)?
A 401(k) plan is an employer-sponsored retirement savings plan that offers significant tax benefits. It is a type of retirement plan known as a defined contribution plan. You contribute to the plan via payroll deduction, which can make it easier for you to save for retirement. The essential feature of a 401(k) plan is your ability to make pretax contributions to it. Pretax means that your contributions are deducted from your salary or wages, and contributed to the 401(k) plan, before paying federal (and most state) income taxes. Therefore, pretax contributions reduce your taxable income. You don’t pay income taxes on the amount you contribute, or any investment gains, until you withdraw these funds.
For example, Melissa earns $130,000 annually. She contributes 10% or $13,000 of her pay to her employer’s 401(k) plan on a pretax basis. As a result, Melissa’s taxable income is now $117,000. She isn’t taxed on her contributions ($13,000), or any investment earnings until she receives a distribution from the plan.
You may also be able to make Roth contributions to your 401(k) plan. Using a Roth 401(k) makes contributions on an after-tax basis, just like Roth IRA contributions. Unlike pretax contributions to a traditional 401(k) account, there’s no up-front tax benefit. Your contributions are deducted from your pay and contributed to the plan after withholding for taxes. A distribution, however, from your Roth 401(k) account is entirely free from federal income tax if the distribution is qualified, as discussed below.
Today, most 401(k) plans let you direct the investments held in your 401(k) account. Your employer will provide a menu of investment options and it’s your responsibility to choose the investments. You’ll want to make sure the investments you select align with your retirement goals and financial plan.
When Can I Contribute to a 401(k)?
You can contribute to your employer’s 401(k) plan as soon as you’re eligible to participate under the terms of the plan rules. In general, a 401(k) plan can make you wait up to a year before you’re eligible to contribute. Many plans, however, don’t have a waiting period at all, allowing you to begin contributing as soon as your first paycheck.
Some 401(k) plans provide for automatic enrollment once you’ve satisfied its eligibility requirements. For example, the plan might automatically enroll you at a 3 percent pretax contribution rate unless you elect a different deferral percentage, or choose not to participate in the plan at all. This is called a “negative enrollment” because you haven’t affirmatively elected to participate. Instead, you must affirmatively act to change or stop contributions. If automatically enrolled in your 401(k) plan, make sure to check that your assigned contribution rate and default investments are appropriate for your circumstances.
How Much Can I Contribute to my 401(k)?
There’s an overall cap on your combined pretax and Roth 401(k) contributions. In 2019, you can contribute up to $19,000 (plus an additional $6,000 if you’re age 50 or older) to a 401(k) plan. If your plan allows Roth 401(k) contributions, you can split your contribution between pretax and Roth contributions any way you wish. For example, you can make $10,000 of Roth contributions and $9,000 of pretax 401(k) contributions.
Keep in mind, however, generally speaking if you contribute to multiple employer’s 401(k), 403(b), SIMPLE, or SAR-SEP plans, your total contributions to all of these plans, both pretax and Roth, cannot exceed $19,000 in 2019 ($25,000 if you’re age 50 or older). There are a few circumstances in which you can make contributions to multiple retirement plans, in excess of these limits, but it’s up to you to make sure you qualify to do so.
Can I Also Contribute to an IRA?
Yes. Your participation in a 401(k) plan has no impact on your ability to contribute to an IRA (Roth or traditional). You can contribute up to $6,000 to an IRA in 2019 (plus an additional $1,000 if you’re age 50 or older) if you qualify. But, depending on how much income you earn, your ability to make deductible contributions to a traditional IRA may be limited if you participate in a 401(k) plan.
What Are The Tax Consequences of Using a 401(k) Plan?
When you make pretax 401(k) contributions, you don’t pay current income taxes on those dollars (which means more take-home pay compared to an after-tax Roth contribution of the same amount). Your contributions and investment earnings, however, are taxed as ordinary income when you receive a distribution from the plan. In contrast, Roth 401(k) contributions are subject to income taxes up front. Qualified distributions of your investments are entirely free from taxes. In general, distributions from a Roth 401(k) account are qualified if you wait at least five years to make the distribution and you are at least age 59½, become disabled, or die.
The five-year waiting period for qualified distributions starts on January 1 of the year you make your first Roth contribution to the 401(k) plan. For example, if you make your first Roth contribution to your employer’s 401(k) plan in December 2019, your five-year waiting period begins January 1, 2019, and ends on December 31, 2024.
What About Employer Contributions?
Employers don’t have to contribute to 401(k) plans, but many will match all or part of your contributions. Your employer can match your Roth contributions, your pretax contributions, or both. But your employer’s contributions are always made on a pretax basis, even if they match your Roth contributions. That is, your employer’s contributions, and investment earnings on those contributions, are always taxable to you when you receive a distribution from the plan.
Should I Make Pretax or Roth 401(k) Contributions?
Assuming your 401(k) plan allows you to make Roth 401(k) contributions, which option should you choose? It depends on your situation. If you think you’ll be in a similar or higher tax bracket when you retire, Roth 401(k) contributions may be more appealing, since you’ll effectively lock in today’s lower tax rates. However, if you think you will be in a lower tax bracket when you retire, or if you’re already being taxed at high ordinary income rates, pretax 401(k) contributions may be more appropriate. Your time horizon, investment expectations, and other financial resources are also important factors. A financial planner can help you determine which course is best for you.
Whichever you decide, Roth or pretax, make sure you contribute as much as you can and make it your goal to reach the maximum if possible. At the very least, contribute as much as necessary to receive the maximum matching contribution from your employer if they offer one. Receiving a match or profit sharing contribution from your employer is essentially a retirement bonus that can help you reach your retirement goals that much sooner.
What Happens to my 401(k) When I Terminate Employment?
When you terminate employment you generally forfeit any employer contributions that haven’t vested. Vesting means that you own the money. Your contributions, pretax and Roth, are always 100 percent vested. However, your 401(k) plan may require up to 6 years of service before you fully vest in employer matching contributions. Some plans have a much faster vesting schedule or immediate vesting. Be sure to check your Plan Document or Summary Plan Description for information specific to your 401(k) plan.
When you terminate employment, you can generally leave your money in your 401(k) plan until the plan’s normal retirement age (typically age 65) if your account balance exceeds $5,000, or you can rollover your 401(k) account tax-free, without penalty into an IRA or another employer’s retirement plan.
What Else Do I Need to Know About my 401(k)?
Payroll deductions can make saving for retirement simpler. The money is then “out of sight, out of mind.” Certain 401(k) plans may offer features allowing you to borrow up to one half of your vested 401(k) account, not to exceed $50,000. You may also be able to make a hardship withdrawal if you have an immediate and substantial financial need.
However, this should be a last resort. Hardship distributions are taxable to you (except for your Roth and any other after-tax contributions), and may suspend you from plan participation for six months or more. If you receive a distribution from your 401(k) plan before you turn age 59½ (55 in some cases), the taxable portion may be subject to a 10 percent early distribution penalty by the IRS, unless an exception applies.
Depending on your income, you may be eligible for an income tax credit of up to $1,000 for amounts contributed to the 401(k) plan. Your assets are generally fully protected in the event of your, or your employer’s, bankruptcy.
The Bottom Line
Participate in your employers 401(k) plan and consider enlisting the guidance of a fiduciary financial planner to help you make important decisions about your 401(k) and the effect on your long term goals and financial plan. Everyone has a unique financial situation that requires specific advice and recommendations.


South Norfolk church hosts eco event
The tiny church of All Saints, Hethel, winner of the Norfolk Biodiversity Partnership / East of England Co-op award for churchyards in 2014, is running a major community event over the weekend of September 11-13, exploring how we can all live more sustainably.
“We do not inherit the Earth from our ancestors, we borrow it from our children.” (Native American saying)
The weekend is entitled Care of Our Planet; Care of Our Neighbour, and is supported by The Green Britain Centre (Swaffham) with display material and knowledgeable staff, identifies energy, transport and food as focuses for individual or national action, so these are the themes of the all-weekend interactive exhibition in the church, with things for children as well as their parents to get their hands on. Activities exploring biodiversity – what it is and why it matters – will be going on in the churchyard.
A recent main headline in The Independent was “Climate Change: the terrifying truth”, noting that the three hottest years since records began occurred in the past six years. Claims of a ‘pause’ in global warming are “nonsense”. As the Editorial wryly observes, the international climate summit staring in Paris in November offers the best chance to make a “pause” in warming a reality. If The Independent is right, what can we as individuals do to make a difference?
The weekend kicks off with a talk by Dr Ruth Valerio from the Christian conservation charity A Rocha UK on Friday evening at 7.30pm on "Why Christians should care for God's Earth".
“Heat from fresh air”; “Electric Vehicles” “Community pig farms”; “Prague, Madrid, Corsica and Rome: Europe by rail is much more fun” are just some of the titles from the programme of 20-minute talks which will punctuate Saturday, while on Sunday local people who have ‘got the T-shirt’ will be around to share their experience. Want to know more about solar panels? Talk to someone local who put them in several years ago. Fascinated by electric cars (but scared off by the price)? Talk to someone local who’s got one. Confused by the variety of low-energy light-bulbs available? Ask someone local who’s fought their way through that particular jungle. Jess Cranthorne, Group Lotus plc Environmental Manager will be present on Sunday afternoon from 2pm to talk to anyone who is interested in the project to reduce the carbon footprint of the vehicle on the road and in particular the 'embedded carbon' arising from the manufacturing process.
On Saturday evening, Professor Mike Hulme has agreed to be ‘on the sofa’ alongside rector Adrian Miller with ex-BBC Radio producer Susan Bowden-Pickstock facilitating a robust conversation. The aim is an entertaining and informative evening on climate change, its impact, its politics and its practicalities. Mike is Professor of Climate and Culture at King’s College, London and was previously Professor of Climate Change at UEA. After a glass of wine, the evening will be rounded off by Ruth Valerio offering her thoughts on what difference ‘little me’ can make.
Organiser Peter Nicholls said, “This event may be the biggest community weekend we’ve run and we’re delighted with the support we’ve received from local businesses, organisations and individuals, and we’re equally delighted that Mike Hulme and Ruth Valerio are able to be with us. We recognise that the frantic pace of modern life can mean that there’s no headspace for making lifestyle changes so we want to help with practical how-tos, little things you can do to make a difference – and probably save yourself money – as well as some big-picture thinking.
“It’s also important to say that we’re not trying to preach to anyone – we’re all on this journey together and need all the help, support and sharing of experience we can get. Our aim is to provide some time and some space in which that can happen – and to make it convivial and fun, with lots of hands-on stuff, sustainable lunches and other refreshments available and friendly people to meet.”
The event runs from September 11-13 in Hethel Church (Church Lane, Hethel, NR14 8HE). Exhibition and daytime events open 10am to 5pm; the Saturday ‘edutainment evening’ starts at 7.30pm. Admission to all events is free; there will be opportunities to contribute to costs. More details and a full programme is available at www.acny.co.uk/hethel.
Picture courtesy of Norfolkchurches.co.uk
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Frankfort, Ky.-Katrina English has been named head coach of Kentucky State University volleyball.
English comes to the Thorobrettes' program from Temple Junior College in Temple, Texas. She spent the last four seasons as the head coach of the Leopards accomplishing several goals during her tenure. TJC was Region V Conference Runners Up in both 2014 and 2015. English coached three all-Americans, five Academic Award Recipients, and two Region V Most Valuable Players while roaming the sidelines of the TJC Gymnasium.
"I'm here to build leaders," said English. "I'm not here to just build athletes; I want to create lifelong leaders, who will have success in whatever venue they go into as a professional. I want to build up young ladies KSU supporters will be proud of while they're here earning an education and when they move on to their lives after graduating."
Before her time at TJC, English served as head coach at St. Gregory's University, a NAIA institution in Shawnee, Oklahoma. During her one season, English led the Cavaliers to their first conference tournament appearance in eight years in 2013.
English played collegiately at Houston Baptist University in the early 2000s, as she was named All-Region Team in 2002 and All-Conference Team in both 2002 and 2003.
English will be inheriting a KSU volleyball programs that have won three SIAC Championships in the last four season.
"This is a great place to be with all the culture, diversity, and the tradition of winning," said English. "I believe this will be a year where we'll have to work hard, where I've come into the position late, but we're going to get together and continue to be a top team in the SIAC."


Social Policy and Social Issues - SOCPY200 (2020)
The paper continues the study of social policy at 200 level. The focus of this paper is on the welfare state, the policy cycle as well as social problems, such as poverty.
|Prerequisite(s):||SOCPY100 or SOCP102 or SOCIO101 or SOCY101|
|Internal assessment / examination:||67:33|
Semesters and Locations
|Occurrence Code||When taught||Where taught|
|20A (HAM)||A Semester : 2 Mar 2020 - 28 Jun 2020||Hamilton|
|20A (TGA)||A Semester : 2 Mar 2020 - 28 Jun 2020||Tauranga|
The Timetable for 2020 is not available.
Fees for 2020 are not yet available.
Paper details current as of : 3 September 2019 10:51am
Indicative fees current as of : 29 July 2019 3:04pm


Anyone else who is interested can read the document (and download and print it) here and below. If you tweet about it please use hashtag #DisruptPhil (I forgot to add this at first, oops!)
- The point: data are the new platform for change. They will continue to fundamentally alter how philanthropic capital flows.
- The changes are not about the digital technologies that allow access, or about the data themselves. They are about the expectations and behaviors they unleash.*
- These changes, coupled with changes in the public and private sectors, are pushing a transition to a "social economy" made up of interdependent public, private and philanthropic capital and creators of social goods.
- All of these changes are not an end of a story, they are simply the beginning.
- Philanthropy is an industry of passion and volunteerism in which collusion should be encouraged. It may not change in the same way, at the same speed, or driven by the same forces as the newspaper or music industries or the public sector.
We'll be hosting an invitation-only seminar about the document in February and then revising and publishing a final(ish)* version. We don't have the budget to invite you all to the meeting, so my colleagues from Duke and I hope you will download, read, share, and comment on the paper.
Please do so in the comments below, via email to lucy [at] blueprintrd [dot] com, or on twitter at @p2173. All of the input is valued - those of you who read early, early drafts will notice (I hope) the depth and impact of your insights in this new version.
If you tweet about it please use hashtag #DisruptPhil (I forgot to add this at first, oops!)
*Does anything get finished anymore? In this age of crowdsourced rapid prototyping of ideas, it feels like writing has become a series of conversations - draft - conversation - draft. But we'll call the post - February version final. Ideas and improvements and iterations after that will have to take on a new name.


Call for Exchange Program at Polito is open!
The students of 1st and 2nd year (Italian Program) successfully passed all examinations are welcome to apply for 2019/20 A.Y. at Politecnico di Torino. All living expenses in Italy are at the applicant’s cost. Deadline is May 3, 2019 Additional information is available in the Department of International Relations (Room № 503)
Фонд им. Ислама Каримова объявляет о новых образовательных грантах
Фонд им. Ислама Каримова объявляет о начале нового конкурсного отбора талантливых и одаренных юношей и девушек для получения грантов Фонда на обучение по магистерской программе в престижных вузах Европы и США по следующим специальностям: • естественные науки (возобновляемые источники энергии и химия) • управление водными и земельными ресурсами • машиностроительные технологии • пищевые технологии, пищевая […]
Presentation of DAAD Programs!
Presentation of DAAD Programs! Presentation of DAAD scholarship programs will be held at TTPU on the 8th October 2018. All interested students and staff are welcome. Time: 15:30 Venue: Green Hall
Winners of the first stage of the republican Olympiad!!!
In accordance with the decrees of the President of the Republic of Uzbekistan from April 20, 2017 “The improvements for further development of the Higher Education System” and PQ-3151 from July 27, 2017 “The advancements of sectors of the economy to expand the participation of highly qualified specialists in it”, and also to providing opportunity […]
Call for the Exchange Program at Politecnico di Torino is open!
The 1st and 2nd year (as per Italian Program) students successfully passed all examinations are welcome to apply for the 2018/19 A.Y. Exchange Program at Politecnico di Torino. All living expenses in Italy are at the applicant’s cost. Requirements: Fill in the application form; Motivation letter; Please note that your exam results also will be […]
Turin Polytechnic University in Tashkent announces a tender for purchasing equipment within “Development of Master Programme in Renewable Energy Sources and Sustainable Environment 574055-EPP-1-2016-1-IT-EPPKA2-CBHE-JP” Erasmus + program. I. Laboratory equipment: 1.1. Solar Tracking System Trainer 1.2. Wind Energy Trainer Basic Unit 1.3. Computer Controlled Thermal Solar Energy Basic Unit 1.4. […]
Study in Japan
All interested students and University employees are invited to a meeting with the Director of International Relations Center of Kochi University of Technology, Kochi, Japan. Title of the presentation: International Master’s and Doctoral programs, International research cooperation of Kochi University of Technology. DAY: October 26, 2017 TIME: 15:30 VENUE: Green Hall


Action Training Academy
“Real action heroes are those who take action in defending themselves, others and/or their property. Many times an actual physical confrontation is not even required. Your appearance, behavior, or verbal exchanges are all the action required to be a hero. When you can take your family to a movie or perhaps your girlfriend to dinner at a restaurant and keep everyone safe, you are a hero.” Bart Mitcham How to Become a Real Life Action Hero
“Your job in a fight is to win and survive. If you are losing your tactics suck!”
“Heroes are not lucky — they are prepared to take action if required, have the willingness to jump into action if needed and the ability to get the job done.” Bart Mitcham How to Become a Real Life Action Hero.
We offer training for the beginner to the advanced operator, Firearms Training, Executive Protection, Hand to Hand Combat, Family Protection, Urban and Suburban Survival, Self Defense, and Tactical Driving. Also we customized classes for all your needs. Class locations are any where that meets your needs, basic instruction is in the Metro Atlanta Georgia Area and North West Georgia.
Please contact us for more information, and prices on all classes.Ask about Military discounts for active duty, reservists, and retired military.


Ecommerce Business in Pakistan is on the rise. Despite tough economic conditions and technological constraints, there’re few enthusiasts who’re tirelessly making efforts to get the ecommerce business in Pakistan to next level. Arslan Nazir, the founder of Shophive.com, is one such person who has been in the ecommerce business for last eight years.
He has grown this business from scratch to what it is today. We had this opportunity of speaking With Arsalan and knowing about his journey with Shophive..
ProPakistani: Tell us a little bit about yourself and your background?
Arslan Nazir: I’m born and raised in Lahore. After early schooling I did my MBA from the ‘’University of Central Punjab’’ and then went for an MSc in Marketing from Nottingham University. I came back to Pakistan in 2001 when I started my own gaming cafe called ‘’Portal 47’’. That went very successful and hence I started another cafe called Fight Club, which was in Shapes.
ProPakistani: When and why did you decide to start Shophive.com?
Arslan Nazir: In 2005 I sold both of my gaming cafes and began investing in property and stocks until the market (KSE) crashed in 2005/06. After that I had nothing left except a laptop and a Suzuki pick up so I gave this idea – of getting up an online store – to a friend of mine who developed the website for me but I didn’t have the money to pay him so I gave him 20% of the shares and 20% more to another designer for the site.
Our first two years were tough and ran losses after which both my partners left, so I bought back my 40% of the shares and became the sole owner. It started picking up after those 2 years and since then it’s grown exponentially. I started out from my home with no office and just a delivery guy and a guy to upload the content.
ProPakistani: What was your inspiration at a time when nothing like this existed in Pakistan?
Arslan Nazir: At the time I didn’t have a single rupee to start off with and I didn’t know what to do. I just had a laptop and some hunger. My inspiration was to start an ‘’Online Catalogue’’ where people could order online and receive their goods at home.
I had never even done any online shopping before and I didn’t know the numbers for e-commerce in the rest of the world, but it made sense to me that instead of going to the market people should be able to see and order online and receive delivery at home. ‘’My inspiration was just that I didn’t have any money and it seemed like the easiest thing to do.’’
ProPakistani: What made you think it was a viable idea at the time?
Arslan Nazir: At the time I’d the numbers for internet growth in Pakistan and I could see that this trend would grow. ‘’It was clear that soon we would start doing everything online and technology was booming.’’
I wanted to sell tech products so I thought it’d be user friendly ‘’for people’’ to just be able to browse my catalogue for online shopping instead of going to a retail outlet or via catalogue.
ProPakistani: Do you see this as a growth business in the future? What needs to change in the Pakistani market to increase growth?
Arslan Nazir: To increase growth obviously, we need a ‘’payment solution’’, we need to add good courier companies and greater services by them using better technology, e.g. in the US you can digitally receive a delivery and it is registered right then and there.
Other things include website standards, which need to improve here, and authenticity; we need a body or organisation for online shopping that can authenticate websites for their products because there are many that sell ‘’Chinese knock offs’’ etc. and a bad experience there puts people off online shopping.
ProPakistani: Can you tell us the growth rate or market share of e-business in Pakistan?
Arslan Nazir: The market for e-tailing is about 20-25%.
ProPakistani: What is Shophive.com total market share in Pakistan?
Arslan Nazir: It’s very difficult to tell what Shophive’s market share is partly because there’s no authenticating body. If we’d an online payment system one could extrapolate from there but lacking that it’s almost impossible to tell.
ProPakistani: What are the major issues faced by the e-tailing industry in Pakistan For instance, PayPal — the accepted method of conducting financial transactions on Ebay.com— is not available in Pakistan and what can be done to address them?
Arslan Nazir: The national problem is terrorism and corruption and a lack of resources. If there’s no terrorism then foreign investors will come to Pakistan including payment companies like ‘’PayPal’’. I think that’s the prime problem here.
ProPakistani: What is the unique feature Shophive.com brings that has allowed it to survive and grow over the years?
Arslan Nazir: Online shopping is a very fast moving business, but you can build an Amazon in a day if you have the right developers so there’s nothing particular about Shophive feature wise.
Our ‘’USP’’ (Unique Selling Proposition) is the quality of the products we sell at relatively low prices and the fact that we don’t sell refurbished or replica products. We try to gain the trust of our customers and it’s a long term relationship we build. We also focus on after sales service.
ProPakistani: What tools do you use to increase internet sales? How exactly is your business profitable?
Arslan Nazir: We use social media extensively ‘’Google ads’’ and ‘’Newsletters’’ to our regular customers.
ProPakistani: Are you satisfied with the growth of internet and connectivity in Pakistan and how it’s changing the retailing landscape?
Arslan Nazir: Yes, I think the internet has grown strongly, and PTCL should be given credit for the service they deliver and the way they’ve helped grow internet penetration. Having said this, I would say there’s always room for improvement and there’s still a lot to be done on this front as well.
ProPakistani: And the last question for today. There’s a popular point of view that people are not ready to buy online. Schemes that are popular and accustomed to in other countries are only becoming usual in Pakistan and still lack buyer confidence. How do you see the future of eCommerce in Pakistan?
Arslan Nazir: E-commerce is growing rapidly and I’m pretty sure it will keep growing, but the issue is how does the country perform as a whole and what State the economy is in — because if it’s a slow economy then obviously less people are going to buy. We also need foreign investment and technological improvements to our infrastructure, but again, that’s something that will happen at a national level and won’t impact just e-retail. There’s a lot that has happened despite all these problems, so I’m hoping for the best.


Alexei al II-lea (Ridiger) al Moscovei: Diferență între versiuni
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înainte=[[Pimen I (Izvekov) al Moscovei|Pimen (Izvekov)]]|
înainte=[[Pimen I (Izvekov) al Moscovei|Pimen (Izvekov)]]|
titlu=[[întâistătătorilor Rusiei|Patriarh al Moscovei]]|
după=[[Chiril I (Gundyayev) al Moscovei]]}}
după=[[Chiril I (Gundyayev) al Moscovei]]}}
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Viața și slujirea
On April 15, 1950, he was ordained a deacon by Metropolitan Gregory (Chukov) of Leningrad, and on April 17, 1950, he was ordained a priest and appointed rector of the Theophany church in city of Johvi, Estonia, in the Tallinn Diocese. On July 15, 1957, Fr. Alexei was appointed Rector of the Cathedral of the Dormition in Tallinn and Dean of the Tartu district. He was elevated to the rank of Archpriest on August 17, 1958, and on March 30, 1959, he was appointed Dean of the united Tartu-Viljandi deanery of the Tallinn diocese. On March 3, 1961, he was tonsured a monk in the Trinity Cathedral of Holy Trinity-St. Sergius Lavra.
From 1986 until his election as Patriarch, he was Metropolitan of Novgorod and Leningrad. After the death of Patriarch Pimen in 1990, Alexei was chosen to become the new Patriarch of the Russian Orthodox Church. He was chosen on the basis of his administrative experience, and was considered "intelligent, energetic, hardworking, systematic, perceptive, and businesslike." He also "had a reputation as a conciliator, 'a person who could find common ground with various groups in the episcopate.' " Archbishishop Chrysostom (Martyshkin) remarked, "With his peaceful and tolerant disposition Patriarch Aleksi will be able to unite us all." Patriarch Alexei II was "the first patriarch in Soviet history to be chosen without government pressure; candidates were nominated from the floor, and the election was conducted by secret ballot."
Upon taking on the role of Patriarch, Patriarch Alexei became a vocal advocate of the rights of the church, calling for the Soviet government to allow religious education in the state schools and for a "freedom of conscience" law. During the attempted coup in August 1991, he denounced the arrest of Mikhail Gorbachev, and anathematized the plotters. He publicly questioned the junta's legitimacy, called for restraint by the military, and demanded that Gorbachev be allowed to address the people. He issued a second appeal against violence and fratricide, which was amplified over loudspeakers to the troops outside the Russian "White House" half an hour before they attacked. Ultimately, the coup failed, which eventually resulted in the break-up of the Soviet Union.
Under his leadership, the New Martyrs and Confessors of Russia who suffered under Communism were glorified, beginning with the Grand Duchess Elizabeth, Metropolitan Vladimir of Kiev, and Metropolitan Benjamin of Petrograd in 1992. In 2000, the All-Russian Council glorified Tsar Nicholas II and his family, as well as many other New Martyrs. More names continue to be added to list of New Martyrs, after the Synodal Canonization Commission completes its investigation of each case.
Despite his age during his patriarchate, Patriarch Alexei II led an active political life. He was frequently seen on Russian television, conducting church services, and meeting with various government officials.
He died on December 5, 2008.
His name (secular 'Алексей, clerical Алексий) is transliterated from the Cyrillic alphabet into English in various forms, including Alexius, Aleksi, Alexis, Alexei, Alexey, and Alexy. When he became a monk, his name was not changed; this departure from custom was common in the Russian Church in Soviet times.
Since the collapse of the Soviet Union there have been accusations that Patriarch Alexei had ties to the KGB, which resulted from documents which allegedly came from the KGB's archives in Estonia, and which refer to Patriarch Alexei with the code name "Drozdov." It should be noted that it was very unusual for any person to be referenced in KGB documents prior to 1980 without a similar code name, regardless of an affiliation with the KGB. Patriarch Alexei has always denied that he was a KGB agent, and the authenticity of the documents in question have been disputed on the basis that they use anachronistic fonts which did not exist at the time the document ostensibly originated from, and that the Estonian government fabricated the documents in order to discredit the Russian Orthodox Church.
Professor Nathaniel Davis pointed out: "If the bishops wished to defend their people and survive in office, they had to collaborate to some degree with the KGB, with the commissioners of the Council for Religious Affairs, and with other party and governmental authorities."
Patriarch Alexei has, however, acknowledged that compromises were made with the Soviet government by bishops of the Moscow Patriarchate, and publicly repented of these compromises.
- "Defending one thing, it was necessary to give somewhere else. Were there any other organizations, or any other people among those who had to carry responsibility not only for themselves but for thousands of other fates, who in those years in the Soviet Union were not compelled to act likewise? Before those people, however, to whom the compromises, silence, forced passivity or expressions of loyalty permitted by the leaders of the church in those years caused pain, before these people, and not only before God, I ask forgiveness, understanding and prayers."
According to Nathaniel Davis, when asked by the Russian press about claims that he was a "compliant" bishop, "Aleksi defended his record, noting that while he was bishop of Tallinn in 1961, he resisted the communist authorities' efforts to make the Alexander Nevsky Cathedral in the city a planetarium (which, in truth, they did do elsewhere in the Baltic states) and to convert the Pyukhtitsa Dormition nunnery to a rest home for miners." Official records show that the Tallinn diocese had a lower number of forced church closings than was typical in the rest of the USSR during Patriarch Alexei's tenure as bishop there. Metropolitan Kallistos (Timothy Ware) notes, "Opinions differ over the past collaboration or otherwise between the Communist authorities, but on the whole he is thought to have shown firmness and independence in his dealings as a diocesan bishop with the Soviet State."
Alexei al II-lea (Ridiger) al Moscovei
|Mitropolit de Tallinn și Estonia
|Mitropolit de Novgorod și Leningrad
|Patriarh al Moscovei
Chiril I (Gundyayev) al Moscovei
- Biography on the official site of the Moscow Patriarchate
- Listing at the Orthodox Research Institute
- Patriarch Alexius II at Wikipedia
- Alexy II, Patriarch of Moscow and All Russia, Biographical Note, Biography, on the Moscow Patriarchate's official website.
- Encyclopedia Britannica Online, s.v. Alexis II, http://www.britannica.com/eb/article-9005644/Alexis-II 1/19/2008
- Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, 2nd ed. (Oxford: Westview Press, 2003), p. 85.
- Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, 2nd ed. (Oxford: Westview Press, 2003), p. 86.
- Zhurnal Moskovskoi Patriarkhii, No. 10 (October), 1990, p.16, quoted in Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, 2nd ed. (Oxford: Westview Press, 2003), p. 284.
- Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, 2nd ed. (Oxford: Westview Press, 2003), p. 96.
- Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, 2nd ed. (Oxford: Westview Press, 2003), p. 97.
- Timothy Ware, The Orthodox Church, new ed., (London: Penguin Books, 1997), p. 164.
- Sophia Kishkovsky, Russian Orthodox Church is set to mend a bitter schism, International Herald Tribune, May 16, 2007; Second day of bishops' council: Nicholas' canonization approved, Communications Service, Department of External Church Relations, Moscow Patriarchate, 14 August 2000.
- Maxim Massalitin, The New Martyrs Unify Us: Interview with Archpriest Georgy Mitrofanov, participant of the All-Diaspora Pastoral Conference in Nyack (December 8-12, 2003), Pravoslavie.ru, December 13, 2003.
- See for example, The Wall Street Journal, 'Cold War Lingers At Russian Church In New Jersey' December 28, 2007.
- "Official spokesman for the Moscow Patriarchy Father Vsevolod Chaplin labeled such reports as 'absolutely unsubstantiated' in a Wednesday interview with Interfax. 'There is no data indicating that Patriarch Alexy II was an associate of the special services, and no classified documents bear his signature,' he said. 'I do not think that direct dialogue between the current patriarch and KGB took place,' Father Vsevolod continued. However, 'all bishops communicated with representatives of the council for religious matters in the Soviet government, which was inevitable, since any issue, even the most insignificant one, had to be resolved through this body. It is quite another matter that the council forwarded all its materials to the KGB,' he said." Moscow Patriarchate Rejects Times Report of Alexy II'S Collaboration with KGB, Sept 20, 2000 (Interfax). "Chaplin, the church spokesman, said in March, 'Nobody has ever seen a single real document that would confirm the patriarch used his contacts with Soviet authorities to make harm to the church or to any people in the church.' " Russia's Well-Connected Patriarch, Washington Post Foreign Service, 23 May 2002; "Father Chaplin said: 'In recent times many anonymous photocopies of all sorts of pieces of paper have been circulated. In none of them is there the slightest evidence that the individuals we are talking about knew that these documents were being drawn up, or gave their consent. So I don't think any reasonably authoritative clerical or secular commission could see these papers as proof of anything.' " Russian Patriarch 'was KGB spy', The Guardian (London), February 12, 1999.
- Alexey Chumakov Agent Drozdov?, December 28, 2007.
- Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, (Oxford: Westview Press, 1995), p. 96. Davis quotes one bishop as saying: "Yes, we—I, at least, and I say this first about myself—I worked together with the KGB. I cooperated, I made signed statements, I had regular meetings, I made reports. I was given a pseudonym—a code name as they say there... I knowingly cooperated with them—but in such a way that I undeviatingly tried to maintain the position of my Church, and, yes, also to act as a patriot, insofar as I understood, in collaboration with these organs. I was never a stool pigeon, nor an informer."
- Has the MP Repented?, December 28, 2007.
- From an interview of Patriarch Alexei II, given to "Izvestia" No 137, June 10, 1991, entitled "Patriarch Alexei II:—I Take upon Myself Responsibility for All that Happened", English translation from Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, (Oxford: Westview Press, 1995), p. 89. See also History of the Russian Orthodox Church Abroad, by St. John (Maximovitch) of Shanghai and San Francisco, December 31, 2007.
- Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, (Oxford: Westview Press, 1995) ,p. 89f.
- Nathaniel Davis, A Long Walk to Church: A Contemporary History of Russian Orthodoxy, (Oxford: Westview Press, 1995), fn. 115, p. 272.


About Our Research
The Self Regulation Institute conducts and supports basic and applied interdisciplinary research in alignment with the organization’s research directions. Our vision is to enhance the health and well-being of children, youth, adults, and communities through disseminating evidence-based knowledge pertaining to self-regulation, steered by the innovative Self-Reg model.
- Advancement of the understanding of stress via re-framing existing bodies of research through a Self-Reg perspective.
- Deepening knowledge of the five domains of stress: Biological, Emotion, Cognitive, Social, and Pro-social.
- Exploring pathways to learning and practicing Self-Reg.
- Development of assessment tools to measure the impact of Self-Reg on individuals and communities.


Many tests are positive: they check that an application accepts valid data and processes it correctly. A negative test checks whether the application handles improper user behavior correctly. For instance, a positive test would be to open the File | Save As dialog in a text editor, enter a valid file name and then confirm the file was saved successfully. A negative test would be to open the File | Save As dialog, enter an invalid file name or path and check whether the application handles this invalid input data properly. If a developer has not anticipated this situation, the application will crash. So, it's important to use both positive and negative testing approaches when testing your application.
We’ve published an article that discusses negative testing concepts, typical negative test cases and how negative tests can be created with TestComplete. Enjoy!
Negative Testing With TestComplete »


The unschooling diaries: week three
This past week has been super busy, with precious little time for stopping to reflect. Before I miss the window completely, though, here are three little moments that have stuck in my mind.
First up, there was Arthur’s unbridled joy and wonder at discovering the book ‘Mog and the Baby’.
He’s been listening to the story for the past few weeks: for his birthday we bought him an MP3 music player to feed his growing enjoyment of listening to stories. Almost every time he settled down to listen he would request ‘Mog and the Baby’. The way it works it would then scroll through the other Mog stories we’d saved for him, but he kept coming back to that one.
We’d intended these audiobooks to supplement our enjoyment of reading together rather than replace it, but I’d become increasingly aware that Leigh and I were reading to him less and less. So this week we’ve both made an effort to make physical books available whenever we can – not to force Arthur into engaging with them, but just to remind him that they exist. And he’s loved it.
More than anything, though, he loved discovering the book of the story he’s been listening to so often – seeing the pictures bring the characters to life, and sharing his favourite moments with me and his dad.
The second thing that sticks in my mind from this past week was a moment of learning for me more than Arthur.
I’d had a pang of doubt, fuelled as usual by comparing us to others, when I realised that Arthur had shown no interest at all in figurative drawing. He’d gone through the motions of copying lines and circles for his two year developmental check, but since then has not shown much interest in drawing beyond scribbles and swirls of paint – and we haven’t pushed it.
I’d found myself wondering whether we shouldn’t in fact be encouraging him to draw in a more structured way, accelerating his progress towards that fine motor control that will of course be so important for when he comes to write!
But then I checked myself. I read some more about unschooling, and the Montessori methods I find myself gravitating towards. And I remembered that of course there is no rush to begin to constrain his explorations into more easily recognisable forms. So instead I waited, and watched.
And then one day whilst I was preparing lunch I noticed Arthur rooting around by his easel, looking for something to paint with. Together we chose some colours, and I left him to it whilst I got on with making lunch. I glanced over from time to time, and freed from any concerns about whether he was drawing people or things that we could label, marvelled instead at the care he was taking about each seemingly abstract line and curve. I watched as he picked out his colours, stepped back from time to time to make decisions about where to go next, and waited until he had decided he was done before we sat down together for lunch.
He was so proud of his painting, and so was I. And I’m definitely not in any rush to put any constraints on his creative freedom any time soon – I have a feeling he’ll be able to come up with way more interesting ideas all by himself.
And on the topic of interesting ideas comes moment number three. We were having a chat in the car on Friday, and Arthur started telling me about how astronauts carry their air on their backs so they can breathe (something we’ve talked about before). Then he told me that divers were just like astronauts. I asked him why, trying to work out the connection, and he explained that they have to carry their air on their backs too. He’s been becoming increasingly interested in both space travel and underwater exploration, fuelled by inspiration from all sorts of stories, but it was fascinating to see him drawing links between them and getting to the core of understanding some of the processes behind them.
I’m curious to see where these interests will lead us in the next few weeks – it’s definitely uncharted territory for me, on all sorts of levels.


The fourth volume of Spanish and Portuguese Review is now available. The current volume presents original research by graduate students in the fields of literature, film, applied linguistics, pedagogy, and cultural studies. SPR is an open-access journal, and all articles can be read in their entirety on this site.
Graduate students wishing to volunteer as Associate Editors should contact the Editor at email@example.com.
Spanish and Portuguese Review (SPR) is the annual graduate student journal of the American Association of Teachers of Spanish and Portuguese (AATSP). SPR publishes original, unpublished manuscripts on culture, film, linguistics, literature, pedagogy, second language acquisition, translation, and other areas related to the study or teaching of Hispanic and Luso-Brazilian languages and cultures. Quantitative, qualitative, and mixed methods of research are encouraged. In addition to articles, SPR welcomes the submission of interviews, response articles (particularly those that respond to work published in the AATSP publications Hispania and SPR), as well as book and tool reviews. Spanish and Portuguese Review is a gold open access journal that is primarily disseminated online. The AATSP supports the MLA Statement on electronic publications.
Please send all inquiries to the Editor at firstname.lastname@example.org.
Spanish and Portuguese Review files are licensed under a
Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.


– – – Exploring The Countryside and Lanes of Dorset – – –
So, we are continuing to look at Dorset from a different viewpoint by introducing blur and movement into the pictures and in some ways, this is another one that comes under the heading of Deliberate Camera Movement, although this is movement in a slightly different way to yesterday’s post.
This shot was taken on one of Dorset’s trailways, disused railway tracks that have been converted to footpaths. These are used by walkers, cyclists and runners too so I thought it would provide a good opportunity to be creative. In this case, I wanted to add quite a lot of blur to create an impression of ‘Running Free’, again without detail, and also so that any people wouldn’t be recognisable. However, to give some sharpness to the runner, I used a panning action, following the runner whilst exposing the shot.
The idea was to illustrate the freedom of walking, cycling or running in the open countryside and this final picture seemed to do that reasonably well, as well as giving a different view of our network of footpaths which are such a valuable resource.
On a wider issue, although these trailways provide longer distance footpaths for all to use, there are still some issues. A lot of these routes emanated from the activities of Lord Beeching back in the 1960’s when many railway lines were closed down. Unfortunately, the emphasis on providing public open space was a bit late in coming, resulting in much of the old track beds being lost to development or private purchase before they could be converted to public rights of way. So although the ones we have are valuable, there could have been many more.
For instance, if the powers that be had been quicker off the mark, it would today be possible to walk or cycle from Bournemouth to Bath, some 60 miles, along the old Somerset and Dorset Railway track. Add in the branch lines, and there could have been a whole network of trails running across our county. All is not lost however because there are now active groups around that are still campaigning for the old track beds that still exist to be turned into footpaths, and in some cases even to be restored as railways. I really hope that these campaigns will gather support!
In the meantime, lets celebrate the freedom we have to walk, cycle and run in the lovely Dorset countryside!
Thanks for stopping by.
Until next time,
Your friend The Dorset Rambler
If you would like to contact me, my email address is firstname.lastname@example.org – comments and feedback are always welcomed.
All photographs, poems and words in this blog are the copyright of The Dorset Rambler and must not be reproduced without permission.


News flash: the female hand is not built like the male hand. In fact, it’s different in four distinct ways: the female hand is more narrow, has a shorter pinky finger, has a longer thumb, and has closer-in-length pointer and ring fingers. To ensure that females get the best fit out of their goalkeeper gloves, Keepher Soccer makes female-specific gloves so women no longer have to wear gloves designed for men. Let’s take a look at the different models the brand currently has on offer.
1. Adira Pro Match Glove
Their most recent glove model, the Adira Pro (in Hebrew, Adira means a female who is great, mighty, and powerful) features a neoprene construction for a comfortable and flexible fit on hand. A negative cut ensures a snug fit in the fingers while 3.5mm of Giga Grip palm latex allows you to hold onto every shot with ease while not sacrificing on durability. A double wrap wrist strap provides security and support in the wrist area. They’re available to purchase here.
2. Nemow Pro Match Glove
One of the brand’s most popular glove models, the Nemow Pro is equipped with professional level Contact latex so you can grab onto every ball safely and securely. A hybrid cut between flat and roll finger gives you a comfortable fit in the fingers while five removable fingersaves ensure your fingers don’t hyperextend during play. A double wrap wrist strap allows you to achieve a tight and secure fit in the wrist area while the air mesh body and soft latex backhand enhances breathability and comfort of the gloves. They’re available to purchase here.
3. Hera Match Glove
Women were not allowed to participate in the first Olympics; therefore, the Hereaen games were created and dedicated to the goddess Hera. This glove is dedicated to all female goalkeepers who choose to play such a demanding position. It features 3.5mm of turf/hard ground latex, a latex that’s extra durable for competing and training on turf or hard ground. The Hera also features a negative cut, a double wrap wrist strap, a neoprene wristband, and five removable fingersaves. They’re available to purchase here.
4. Duenna Match Glove
The Duenna match glove is a tribute to all women that choose to protect the net for their team. It’s equipped with a snug-fitting negative cut, 3.5mm of Giga Grip latex (the latex is pink on one palm and yellow on the other), and a double wrap wrist strap for a secure fit. It also features five removable fingersaves to prevent hyperextension of the fingers. They’re available to purchase here.
5. APD Match Glove
Designed for the everyday goalkeeper who trains hard, plays hard, and rests hard, the APD glove comes equipped with a snug negative cut, a double wrap wrist strap, a comfy neoprene wristband, and five removable fingersaves. This glove also features 4mm of Giga Grip latex, a grippy yet durable latex that performs well in all weather conditions. They’re available to purchase here.
6. Cynisca Match Glove (Purple)
Cynisca was a Spartan princess warrior, so this glove allows you to battle and be graceful at the same time. Featuring a roll finger cut and 4mm of Giga Grip latex, the Cynisca offers a secure fit in the palm and a great grip in all weather conditions. This glove is also equipped with a double wrap wrist strap, a neoprene wristband, and five removable fingersaves. They’re available to purchase here.
7. Cynisca Match Glove (Blue)
Last but not least, the Cynisca blue features the same visual design as the Cynisca purple, but in different colors. Where the Cynisca purple is decked out in purple and black, the Cynisca blue is decked out in blue and pink. It’s equipped with a snug negative cut, 4mm of Giga Grip latex, a double wrap wrist strap, a neoprene wristband, and five removable fingersaves. They’re available to purchase here.
Are you a female goalkeeper? Are you annoyed with having to wear gloves designed for males? The team at The Soccer Reviews highly recommends checking out Keepher Soccer; we’ve had female testers try out their goalkeeper gloves and they’ve had nothing but great things to say about them. You can read our Nemow Pro review here and you can check out Keepher’s YouTube channel here.
Categories: Buyers Guide


# of Albums: 3
Latest Release: Crazy Old Man / SKMB (double album)
Latest Video: Crazy Old Man
Karrnnel, one of Canada’s most accomplished and innovative fiddlers and member of JUNO-winning instrumental band The Fretless, is proud to announce the independent release of a double album on September 13th, 2018. Featuring his unique sound, including a copper fiddle with pedal effects, Crazy Old Man and SKMB have 18 tracks that Karrnnel has been crafting since his 2009 self-titled debut release. Although he has been a multi-award winning professional musician since age four, and has composed over 300 original instrumental pieces, the upcoming releases represent two significant firsts: vocal tracks (with him singing) and original lyrics. He’ll present this new work to audiences around the world with tours across Canada, the US and Europe.
Little of You
Favourite band/musician as a teenager:
Favourite band now:
Tedeschi Trucks Band AND Jack White
Guilty Pleasure Song:
Any Man Of Mine by Shania Twain
Live Show Ritual:
Visualize the show
Favourite local artist:
Sneaky Dees nachos, pasta from Terroni or a superfood salad from Fresh?
Superfood salad from Fresh
Queen or College St?
Queen – hands down!
Trinity Bellwoods or Highpark, Riverdale or Kew Gardens?
HIghpark and Riverdale.
EP or LP?
Early bird or night owl?
Both – I have an eight month old
Road or studio?
Swiss Chalet or Roti?
Where can we follow you?
www.karrnnel.com and @karrnnel on social media
Any shows or albums coming up?
September 13 my double album Crazy Old Man/SKMB will be released. Touring the prairies in mid September and October 30 I will be playing in Toronto.


Things we did in Thailand which crossed several items on our bucket list:
1.) Ride an elephant which my husband enjoyed so much that he wants us to adopt a baby elephant (he-he!).
2.) Go parasailing! Can you believe that? I can’t believe it either.
3.) Get an authentic Thai massage while watching old topless women walk back and forth at Patong Beach.
4.) Dance on a stripper’s pole at Bangla Road (sort of, he-he!)
5.) Go snorkeling at the world-famous Maya Bay at Phi Phi Islands in Krabi, Thailand
6.) Bathe in the hypnotic sunset of Patong Beach with my husband
7.) Go island hopping from Maya Bay, Ko Phi Phi Don, Ko Phi Phi Le, Monkey Island to Coral Island
8.) Swim on the clear blue waters of Phuket (but of course)!


TL;DR: Credit Karma Tax Software is a simple and 100% free method of filing both federal and state taxes. It’s a good, streamlined approach to doing your taxes that is only brought down by the fact that not all income forms are accepted.
It’s a new year—which means that it’s one day closer to tax time. For many, tax season is incredibly stressful because they do not know what to do. Between getting the right forms, calculating your income and deductible expenses, and figuring out how to file, prepping your taxes is definitely one of those things that virtually nobody looks forward to.
That is one reason many people just hire a tax professional to handle all that stuff for them. But hiring a tax pro can be expensive. For those who do not want to hire a tax pro, they can turn to the internet.
Credit Karma is a personal finance company that is known for its credit reporting service but they also offer tax prep services. Credit Karma stands out against other online tax prep services because they offer their services 100% for free!
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Once you have the basic account set up then you can see your Tax Dashboard. From here, you can start entering your income information like W-2s, 1099s, and so on. The sidebar also keeps a running tally of how much of a refund you are entitled to. This system of entering information is super-simplified, much more so than a lot of other online tax prep software. They also allow for business and self-employed income filing, which many other services make you pay for.
Credit Karma has two main modes for entering tax info. You can do it all on your own with the self-guided approach or you can use the interview mode. The interview mode consists of a series of questions such as “do you own any stocks.” You answer the questions and the wizard will take you to the relevant forms.
Keep in mind that it’s up to you to make sure you are entering all relevant information. Credit Karma will calculate your estimated return but it cannot account for any income info that you do not provide. So make sure you have all your financial documents present and accounted for before entering your information.
Once you have filled out all of the fields, Credit Karma will review your info one last time too so you can catch any omissions or inaccuracies. After that, you can press the button and it will e-both your federal and state taxes. Credit Karma gives you the option to receive your refund via direct deposit or via a physical check sent in the mail.
If you owe money during tax season, then Credit Karma will help you set up a direct payment through your bank account. And that’s all you have to do: simple, right?
Credit Karma Tax Software Features
Like any good tax software worth its salt, Credit Karma offers a 100% max refund guarantee. So if the refund you receive is less than what the software calculates, then they will pay the difference up to $100. $100 is not a lot so if they are off by a lot it won’t make much difference, but it’s still good that they have this kind of guarantee.
Credit Karma also guarantees that all calculations are accurate. If your owed calculations are off by any amount and you get penalized by the IRS, Credit Karma will reimburse you up to $1,000. Tax penalties from the IRS can be fairly harsh so this $1,000 guarantee is nice. Keep in mind that this guarantee only applies if you entered all your relevant info. For example, if you failed to put something in and get penalized, you will not get the $1,000.
Also, if there is an error on your filing and you get hit with an audit, Credit Karma will offer their services. With Credit Karma’s audit defense service, they will advocate for you, correspond with authorities, and other services.
Smart File Upload
Entering all your info manually can get tedious, especially if you have multiple sources of income to report. Thankfully, Credit Karma streamlines this process by having smart upload features. You can import your personal data from previous tax years from other services and you can also upload your W-2s by taking a picture. This is a great feature if you have a lot of fields to enter.
If you have problems with the software at any time, you can hit up Credit Karma’s live chat support. They also have a very large self-help section for common inquiries. You have to wait in a queue for the chat services, but things proceed quickly. Using Credit Karma, I never spent more than 5 minutes waiting to chat with a pro. The customer support team is also very knowledgeable and friendly.
How Much Does Credit Karma Tax Software Cost?
We already said that Credit Karma is free to use, but you might be thinking: There has to be some kind of catch right?
Nope, there is no catch at all. Everything is 100% free to use and there are no upsells or subscriptions. Credit Karma does not charge you for using the tax software as they get money from their partners for featuring products on their site. So you do not have to pay a single dime to file both your state and federal taxes.
Credit Karma Pros & Cons
- 100% Free. Credit karma is 100% free to use. There are no upsells, no subscriptions, and no filing charges. It won’t cost you a penny to file your taxes.
- Streamlined approach. Regardless of whether you use the self-guided or interview approach, the tax filing forms are clearly labeled and there is very little clutter on the screen. Each box has a name describing the field and the software does all the calculations for you.
- Accuracy guarantee. Credit Karma guarantees that your return and refund will be accurate. If there is a calculation mistake and you get penalized, Credit Karma will reimburse you for up to $1,000.
- Federal & state filing. With Credit Karma, you can file both your federal and state taxes from the same place for free.
- State filing not always available. Some states do not allow online tax filing so Credit Karma can help you calculate your state return but will not be able to e-file it.
- Not all forms of income accepted. Credit Karma allows most common types of income filing and some uncommon types, but they do not offer everything. For example, you can file a Schedule C if you own a business, but you cannot file corporation, partnership, or multi-member LLC forms.
So, is Credit Karma Tax Software worth using? We say yes. Credit Karma is definitely worth using. If you get stressed out with tax time, then it is definitely worth trying out Credit Karma. It is 100% free to use, you can file both your state and federal taxes, and there are some decent support options. So why pay a bunch of money to file when you have already paid a bunch of money in taxes?


For many, reading is a great way to spend leisure time. Whether you love fiction and fantasy, non-fiction books like self-help manuscripts, or even more serious crime novels and thrillers, there are literally endless possibilities out there that you can dive into during your free time. For the avid book-reader, there is never a dull moment.
However, since you dedicate so much time to books, why not make a little money along the way? That’s right! There are platforms and opportunities that will pay you to do the very thing you already do for free. But how does one get started in finding such opportunities, and where should you start looking if you do want to earn money for reading books?
If reading and earning is something that you may be interested in, let’s take a look at the 10 sites that pay you to read and review various written works!
Get Paid in Cash to Write Book Reviews
1. Kirkus Reviews
Kirkus (or Kirkus Reviews/Kirkus Media) is arguably one of the most well-known book reviews website on this list. With a clean user interface, exciting fresh takes on new books, and a writer’s center for those aspiring to become published in the future, it is easy to see why Kirkus has gained the reputation it has.
The only problem with the first entry on this list is that it does not openly list the rates that it pays for reviews or that it even accepts reviews from outside sources at all. Additionally, you’ll find that the careers hyperlink at the bottom of the website only takes you back to the top of your current page.
If that deters you from wanting to write for them, there are plenty of other excellent options on this list. Most book reviews are approximately 350 words, and while pay is not listed, it is reported that Kirkus pays about $50 per book review with every review due two weeks after it has been assigned.
2. The US Review of Books
The US Review of Books is another viable source of income for voracious readers looking to earn money while reading some new books being sent in for review by various authors. As it is with most review sites, those who sign up with The US Review of Books will be able to choose from a list of pending titles. These titles will then be assigned to the respective writers and writers will be given around 2-3 weeks to complete their 250-300 word summaries (make sure that you know the Chicago Manual of Style ahead of time).
This is another website that does not state exactly how much you could make reviewing books through their platform. That said, pay for your time and efforts is assured as they do state that they send out checks every 5th of the month for all of the reviews that writers have completed the previous month. This can be an excellent way to pad your monthly income when you first start out a new month!
3. Online Book Club
Looking to work with a book review website that is a bit more transparent about the writing and payment process? Consider writing for Online Book Club! Online Book Club is a free website for book reviewers that has been around for 10 years and boasts having had over 10,000 book submissions thus far, which means that there is a high and steady demand for book reviews on this website.
Besides the free books you will receive to review, you can also expect a payment of anywhere from $5 to $60 per book review, with the website stating that you could realistically earn a couple of hundred dollars per month. The sign-up process is easy and you can get started right away!
4. Reedsy Discovery
Reedsy is a platform that is dedicated to helping indie authors access the tools and resources they need to grow as a writer, establish connections with other professionals in the industry, and, over time, get their work published. As such, you can imagine that they would have a platform where they can get their work discovered.
Reedsy Discovery is a book review platform where passionate readers can gain the opportunity to read indie books before they have even managed to make it into the sites of other readers. Where it differs from other platforms is that Reedsy Discovery gives you the opportunity to brand yourself as a high-quality book reviewer, giving you the ability to build your brand and connect with even more authors.
Now, the most important thing to know when using this platform is that payment is not guaranteed. Rather, Reedsy Discovery runs on a reward system where readers of your reviews can tip you in $1, $3, or $5 to reward you for your hard work. If you want to make sure that you are getting paid for the work you do, Reedsy Discovery may not be the right platform for you. (That said, Reedsy does have other platforms where you can offer editing services, if you have experience going over and editing books. This will provide you with guaranteed payment in return for your hard work.)
Booklist is a bit different from other recommendations on this list as it offers a more traditional pitching experience. Rather than signing up for Booklist as a reviewer, Booklist asks that you send a query expressing your interest in reviewing a book for them. They assign all freelance book reviews, so if you pique their interest, they will be assigning you the book for the 175-word review that you will be writing. (If you have other writing talents, they also pay for blog posts and featured articles.)
As they state on their website, reviews pay $15 (with book rejections paying $5 and appended YA recommendations paying $5 more), while blog posts will pay $12.50 and featured articles will be paid out based on the negotiated rate between you and their head editor. If you have a passion for reading and experience writing, this may be a great opportunity for you to build your reviewing resume and get your foot in the door of other publications.
6. Writerful Books
Writerful Books is another excellent platform to sign up for if you’re hoping to make money with your book reviews. While they state that you can review anything you like, they do clarify that, “we prefer contemporary novels from American, Australian, British, Canadian, Irish and New Zealand authors”. Once you fill out their brief and simple application form (and are approved), you can begin to write reviews for them.
It is important to note that they do list compensation but this only applies to their trusted book reviewers. If you write in-depth, insightful book reviews and catch their attention, they offer their paid reviewers anywhere from $10 to $50 per book review. Want more? They also state that the top reviewer on their website will be rewarded with a $100 Amazon gift voucher!
7. Wellesley Centers for Women
Aptly named, the Wellesley Centers for Women’s Women’s Review of Books is, “… the premier feminist book review and remains proudly a print publication. WRB reviews scholarship as well as fiction, graphic novels, poetry, and memoir usually (but not always) by women. We strive to review a diverse array of books in many fields, genres, and styles for each issue. Edited by feminist author Jennifer Baumgardner and published by the Wellesley Centers for Women in partnership with Old City Publishing, WRB provides a unique perspective on today’s literary world.”
Although this publication may be a little bit harder to get into, they do accept queries and assign reviews, which will be much higher in the 1500-word range. They do not explicitly list payment, but they do recommend that you reach out to their editor in order to learn more about how they pay (the deadlines will be provided with the assignments). If you want to make sure that you query them successfully, go over their writer’s guidelines to make sure that you get a successful response the first time around.
In our busy society, having information summarized and made easily-digestible helps us learn what we need to know without having to through the entire book. As you can imagine, these types of products and services have become quite popular in today’s world, and one opportunity for you to make money doing just this is by visiting Instaread.
While Instaread does not currently have any requests for summaries at the moment, they do pay you handsomely, offering readers $100 for each successful summary between 1,000 and 1,500 words (with titles mostly featuring non-fiction books). If this is an opportunity you want to take advantage of, make sure to keep an eye on their submittable page and check frequently for summary opportunities.
getAbstract is another popular summary platform that translates whole books into 10-minute, bite-sized summaries. However, this is not a platform where you can submit a pitch. Rather, they seem to hire workers on a freelance basis, with some of the advertised freelancing jobs right now being for English/Mandarin summarizers and science writers. Pay will vary depending upon the job and its expectations, but this may provide you with the same flexibility you would be getting by doing traditional book reviews (and at a much larger profit).
Shortform is a summary company that has recently been making its way around job boards as they are looking for readers, editors, and other literary professionals. This is not a guaranteed source of income, but if you have experience writing and love reading, you could make money summarizing your favorite non-fiction books this way as well!
There are always alternative ways to get paid for the things you love doing without having to use the traditional channels like those seen above. If you want to make further income doing what you love, you may want to look into:
- Starting Your Own Blog: If you are someone who writes excellent book reviews and can build an audience of dedicated readers who love what you have to say about certain series, you may want to consider starting a blog of your own. Although starting a blog will require some time and effort, you can begin to monetize your existing traffic by using affiliate marketing, partnering with authors or publications, and even offering exclusive memberships to your dedicated readers to connect them with excellent books before they are even on the market!
- Starting a Book Review Channel: Starting your own blog can be fun, but starting your own vlog can make things a little more personal between you and your audience. Why not take to the air when you’ve finished a book and let everyone know how great it was? With time, you can grow your audience and monetize your platform with sponsorships and ads. (You may even want to transition into reading for audiobooks).
- Offering Your Review Services on a Freelance Basis: Some authors may not go through websites like those above but may instead look for freelancers looking to do review work. If you know how to pitch and catch the attention of clients, consider freelancing and offering your review services to authors who want to ensure that their book is the best it can be before it is published.
- Go a Step Beyond and Offer to Edit Books: If you have a good eye for grammar, tone, flow, and storytelling, you can easily build upon your review efforts by helping writers edit their manuscripts. Although this is a bit more time-consuming (and you will certainly need to prove not only your talent but have a portfolio and experience as well), it can pay far better money than reviewing alone!
Almost every passion can be turned into profit, and this holds true for people who love to read. If you want to make money reviewing books in some of your favorite genres (and gain access to books that others may not even know exist yet), use the guide above to tap into some of the best paying websites for book reviews and expand upon your reviewing prowess as you move forward!


The telecommunication regulatory authority (TRA) has a solid regulatory instrument framework in place to protect the interests of subscribers. The provisions included in the framework are designed to strengthen the telecom sector of the UAE. Talking of the positive aspects of the protection regulation, there are many. The most prominent ones are enhanced investment in ICT, the readiness of e-services, innovation, and development. Consumer protection regulation attempts to design a framework that will govern the level of scope of services to be provided to the subscribers. To get a more clear idea of the term, keep reading this article.
The central point of all the policies is common; to ensure a solid framework that will govern consumers' services. The regulation is based on certain policies. Let's discuss them one by one.
The policies have long been in practice and are ensuring a strong ICT framework in the UAE. TRA Type Approval is the pillar of this framework since it is providing transparency in the equipment used.
Following are some of the key aspects that are worth mentioning here. Let's dive into it without any further ado.
Subscribers' data is confidential to the regulatory bodies, hence taken care of. The body has devised this tool of confidentiality for users. Under these points, the licensees are required to use strict security measures to protect subscribers' data. Key issues to discuss in this section are:
The regulation mandates the licensees to provide accurate information to the subscribers. The reason behind this valid provision is to ensure customers make informed decisions. Under the rule, the licensees are required to take reasonable steps for correct information. Some of the steps are:
All these pieces of information are intended to educate the users about the terms, conditions and different prices of the services. They are facilitated to make an informed decision before opting for a specific service.
Read also: Types of Fiber Optic Cables
Most clients confront issues and register their complaints either on-call or the portal. To tackle such complaints and disputes, TRA has a solid strategy in place. points of discussion under this heading are:
Most complaints are related to the quality and status of the telecommunication tools. To ensure safe and sound equipment, licensees should apply for TRA Type Approval. Telecom regulatory Authority personally visits the licensee or affiliates spots to ensure these practices are in place. Their core objective is to attain consumer protection in all aspects.
Telecom and radio equipment in UAE are useless unless a regulatory body approves them. You don't need to search out for one since TRA bodies are here to help. Consult them and make sure your equipment is valid and ready to use.
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Welcome to World Anvil’s WORLDBUILDING SUMMER CAMP 2022!
During Worldbuilding Summer Camp, we challenge you with 4 waves of worldbuilding prompts to get you motivated, inspired, and ready to worldbuild! Take part, grow your world, and win prizes!
Make sure you read the rules carefully so you know how everything works! You can also click the quick links below to jump to the section you need.