text: The heart and soul of Sparkly Star Studios.. Sparkly Star Studios runs two separate series that each take place in the same universe. Just Desserts follows the exploits of a group of friends adjusting to life after high school and their ambitions towards it. Diamond Dust: Origins follows the story of a girl born with a strange condition and her struggles to overcome her disability and the resulting aftermath after a laboratory accident that turns the tables on it.. Just Desserts. For more information, you may check out the individual series’ pages located in the navigation bar’s sub-menu under ‘Web Comics’. Happy viewing!. Diamond Dust

textbook:
Lesson: Understanding Narratives in Web Comics

Introduction:
In this lesson, we will explore the concept of narratives in web comics. We will learn about the different types of narratives, the elements that make up a narrative, and how to analyze a narrative. By the end of this lesson, you will be able to identify and understand narratives in web comics.

Section 1: What is a Narrative?

A narrative is a story or an account of events. It can be told in different ways, such as through words, images, or sounds. In web comics, narratives are used to tell stories and convey messages to the audience.

Types of Narratives:
There are different types of narratives in web comics. These include:

1. Descriptive narratives: These narratives describe an event or a situation without any characters or dialogue.
2. Dramatic narratives: These narratives involve characters and dialogue to create a dramatic effect.
3. Expository narratives: These narratives explain or inform the audience about a particular topic or issue.

Elements of a Narrative:
A narrative has several elements that help to create a story. These include:

1. Characters: These are the people or animals that interact with each other in the story.
2. Setting: This is the time and place where the story takes place.
3. Plot: This is the sequence of events that make up the story.
4. Conflict: This is the problem or obstacle that the characters must overcome.
5. Theme: This is the message or moral of the story.

Analyzing a Narrative:
To analyze a narrative, you need to look at the elements that make up the story. Here are some questions you can ask to analyze a narrative:

1. Who are the characters in the story?
2. What is the setting of the story?
3. What happens in the story?
4. What is the conflict that the characters face?
5. What is the theme or message of the story?

Section 2: Analyzing a Narrative in a Web Comic

Let's take a look at a web comic and analyze its narrative.

Title: Just Desserts

Description: Just Desserts follows the exploits of a group of friends adjusting to life after high school and their ambitions towards it.

Characters: The main characters are a group of friends.

Setting: The story takes place after high school.

Plot: The plot involves the characters adjusting to life after high school and their ambitions towards it.

Conflict: The conflict is not immediately apparent in this web comic.

Theme: The theme of this web comic could be the challenges of adulthood and the pursuit of dreams.

Conclusion:

In this lesson, we learned about narratives in web comics. We explored the different types of narratives and the elements that make up a narrative. We also analyzed a narrative in a web comic and identified its key components. By understanding narratives, we can better appreciate and analyze the stories that web comics tell.


text: THE TERMS OF OUR EXCHANGE PROGRAM. - To qualify you must have purchased our suggested list of cigars. A few minor modifications are acceptable. We are very confident in our ability to choose the proper cigars for every type of business so we know what will sell. However, on the rare occasion where we are wrong we will happily exchange your cigars.. - Purchasers of up to $3,999 are permitted to exchange up to 1 box per month. Elite Status Members who purchase $4,000 or more are permitted to exchange more. Details here.. - You must purchase a different box of cigars for each box you send back (using your credit).. - Customer is responsible for cost of shipping and they must be returned in their original box, be properly humidified and in good, sellable condition. If the cigars are dry, cracked or in any way show signs of wear or abuse they will not be accepted back. It will be the customer's responsibility to pay to have them shipped back.

source: refinedweb

textbook:
Lesson: Understanding Business Exchange Programs

Introduction:
In this lesson, we will learn about business exchange programs and the terms that come with them. We will cover the basics of these programs, including who can participate, what types of modifications are allowed, and how the exchanges work. By the end of this lesson, you will have a solid understanding of how these programs operate and how they can benefit your business.

Section 1: What is a Business Exchange Program?

A business exchange program is a system where businesses can exchange products or services with one another. This allows companies to expand their reach and offer new products or services to their customers without having to invest in research and development or production.

Section 2: Who can participate in a Business Exchange Program?

Any business can participate in a business exchange program as long as they meet the requirements set by the program. These requirements may include purchasing a certain amount of products or services from the program or meeting specific quality standards.

Section 3: What types of modifications are allowed in a Business Exchange Program?

Minor modifications are usually allowed in a business exchange program. These modifications may include changes to the packaging or marketing of the product or service being exchanged. However, major modifications that change the nature of the product or service are usually not allowed.

Section 4: How do Business Exchange Programs work?

Business exchange programs work by allowing businesses to exchange products or services with one another. This can be done through a variety of methods, such as trading directly with one another or using a third-party platform to facilitate the exchange. The specific details of how the exchange works will depend on the program being used.

Section 5: What are the benefits of participating in a Business Exchange Program?

Participating in a business exchange program can provide several benefits to businesses. These benefits may include increased revenue, access to new markets, and reduced costs associated with research and development or production. Additionally, participating in a business exchange program can help businesses establish partnerships with other businesses, which can lead to further growth and success.

Conclusion:
In conclusion, business exchange programs offer a unique opportunity for businesses to expand their reach and offer new products or services to their customers. By understanding the terms of these programs and how they work, businesses can make informed decisions about whether participating in a business exchange program is right for them. By following the guidelines set forth by the program, businesses can take advantage of the many benefits that these programs offer.


text: Nothing says love like a great bowl of soup. I make a lot of soups and have many favorites:. Asian Inspired Pork, Mushroom and Spinach Soup. Chicken Soup with Pumpkin and Marsala Wine. Chef David Bazirgan’s Fifth Floor Miso Soup (includes Dashi). Family Meal Collective Parsnip Soup. Heidi’s Neighbor’s Coconut Red Lentil Soup (with HAL’s modifications). Ina’s Italian Wedding Soup with Chicken Meatballs. Katy’s Lycopene Cream (cream of tomato). Sour Cream Cumin Potato Soup. ****************************. A mark of a cook cook is a good sauce. Here are my tried-and-true sauces:. Bechamel Mucho – or White Sauce (Bechamel). Blackberry-Sage Compote – for Roast Pork/Fowl. Fondue of Butter for Seafood, and Especially Grilled Oysters. Heather’s Greek/Thai Fig Vidalia Onion BBQ Sauce for Ribs. Pistou (a French tomato, basil, garlic, cheese sauce for soups and other uses). Port, Cherry and Prune Sauce for Pork

textbook:
Lesson: How to Make a Delicious Soup

Introduction:
In this self-taught lesson, we will learn how to make a delicious soup from scratch. Soups are easy to make, healthy, and can be enjoyed as a meal or a side dish. We will cover the ingredients, techniques, and recipes for making different types of soups.

Section 1: Ingredients and Techniques

### Ingredients
- Vegetables (e.g., carrots, onions, celery)
- Protein (e.g., chicken, beef, tofu)
- Broth (vegetable, chicken, beef)
- Seasonings (salt, pepper, herbs, spices)
- Oil or butter
- Optional: cream, cheese, noodles, grains

### Techniques
1. Chopping vegetables into small pieces
2. Sautéing vegetables in oil or butter
3. Adding protein and seasonings to the pot
4. Adding broth and bringing to a boil
5. Reducing heat and letting it simmer
6. Adding optional ingredients (e.g., cream, cheese, noodles)
7. Serving hot

Section 2: Recipes

### Asian Inspired Pork, Mushroom and Spinach Soup
Ingredients:
- 1 lb pork shoulder
- 2 cups mushrooms (button or shiitake)
- 2 cups baby spinach
- 2 cups vegetable broth
- 2 tbsp soy sauce
- 1 tbsp sesame oil
- 1 tbsp cornstarch
- 2 cloves garlic

Instructions:
1. Chop pork into small pieces.
2. Chop mushrooms and spinach.
3. Heat sesame oil in a pot, add garlic and cook until fragrant.
4. Add pork and cook until browned.
5. Add mushrooms and spinach, stirring occasionally.
6. Add vegetable broth and soy sauce, bring to a boil.
7. Simmer for 10 minutes, then add cornstarch to thicken.
8. Serve hot.

### Chicken Soup with Pumpkin and Marsala Wine
Ingredients:
- 4 cups chicken broth
- 1 cup diced pumpkin
- 1 cup diced onions
- 1 cup diced carrots
- 1 cup diced celery
- 2 cups cooked chicken, chopped
- 1/4 cup Marsala wine
- 2 tbsp butter
- 1 tsp salt
- 1/2 tsp black pepper
- 2 cloves garlic

Instructions:
1. Chop vegetables into small pieces.
2. Melt butter in a pot, add garlic and cook until fragrant.
3. Add vegetables and cook until softened.
4. Add chicken broth, pumpkin, Marsala wine, salt, and pepper.
5. Bring to a boil, then reduce heat and let simmer for 10 minutes.
6. Add cooked chicken, stirring occasionally.
7. Serve hot.

### Conclusion
Making a delicious soup is easy and fun. With the right ingredients and techniques, you can create a variety of soups that are healthy, flavorful, and satisfying. Use this lesson as a guide to explore different types of soups and find your favorite recipe.


text: SunNxt. Yay! The movie is available for streaming online and you can watch Jo and the Boy movie on SunNxt. It is not available to buy/ rent online on any platforms right now.. An aspiring animation creator's dreams start coming true when she is met with a charismatic young boy. Jo and the Boy is not exactly a children's movie, but more of a Hollywood-style inspirational film set in the backdrop of an unspecified cold hill town and centered on a child enamored by cartoon characters. In fact, the only connect with Indian reality is that the characters speak Malayalam.

textbook:
Lesson: Introduction to Streaming Services

**Section 1: What are Streaming Services?**
Streaming services are online platforms that allow users to watch movies, TV shows, and other types of video content on demand. Instead of downloading a file or buying a DVD, users can access the content they want to watch over the internet. This makes it easy for people to watch their favorite shows and movies whenever they want, without having to worry about storage space or physical media.

**Section 2: How do Streaming Services Work?**
Streaming services work by using a combination of technology and licensing agreements to deliver video content to users. When a user selects a movie or TV show to watch, the service sends a signal to a server, which then sends the video data to the user's device. This data is compressed and encoded so that it can be transmitted quickly and efficiently over the internet. Once the data reaches the user's device, it is decoded and displayed on their screen.

**Section 3: Types of Streaming Services**
There are several different types of streaming services available, each with its own strengths and weaknesses. Some of the most popular streaming services include Netflix, Hulu, Amazon Prime Video, and Disney+. These services offer a wide range of content, from classic movies and TV shows to original programming that can only be watched on their platforms.

**Section 4: Advantages of Streaming Services**
One of the biggest advantages of streaming services is convenience. Users can watch their favorite shows and movies whenever they want, without having to worry about scheduling conflicts or missing an episode. Additionally, streaming services often offer a wider selection of content than traditional TV channels, giving users more options to choose from. Finally, streaming services are often more affordable than cable or satellite TV subscriptions, making them a cost-effective way to watch video content.

**Section 5: Disadvantages of Streaming Services**
While there are many advantages to streaming services, there are also some disadvantages to consider. One of the biggest is that streaming services require a reliable internet connection, which can be a problem for people who live in areas with poor internet service. Additionally, some streaming services may not offer all of the content that users want to watch, especially if they are looking for specific niche content. Finally, streaming services can be expensive if users subscribe to multiple services or if they watch a lot of content on a single service.

**Conclusion:**
Overall, streaming services are a convenient and affordable way to watch video content on demand. By considering the advantages and disadvantages of different services, users can make an informed decision about which service is right for them. Whether you're a fan of classic movies, original programming, or something in between, there's a streaming service out there that's perfect for you.


text: The 14th Annual National Conservation Systems Cotton & Rice Conference, the Southern Corn & Soybean Conference and the Southern Precision Ag Conference are headed to Baton Rouge, La.. Sponsored by Cotton Incorporated and US Rice Producers Association, and a production of MidAmerica Farm Publications, the event is scheduled for Feb. 1-2, 2011 at the Crowne Plaza, Baton Rouge, Louisiana.. “Forty eight farmers will discuss their farming operations during their individual Breakout Sessions. In addition to the farmers, 58 researchers representing seven southern universities will share their latest production research. Cotton, rice, corn and soybean production systems will be the topics. During a given hour, there are over 20 unique breakout sessions to choose from,” stated John LaRose, chairman of the Conference Steering Committee.. This conference program is recognized by past attendees as the leading agriculture production conference.. When attendees were asked for their feedback at.”.

textbook:
Lesson: Introduction to Agriculture Production Conferences

**Objective:** To introduce students to agriculture production conferences and their importance in the agricultural industry.

**Introduction:** Agriculture is the science or practice of farming, including cultivation of crops and livestock production. Agriculture production conferences are events where farmers, researchers, and other professionals come together to discuss the latest advancements in agriculture production, share their experiences, and learn from each other.

**Main Topics:**

1. Importance of Agriculture Production Conferences
2. Types of Agriculture Production Conferences
3. Benefits of Attending Agriculture Production Conferences

**Importance of Agriculture Production Conferences:** Agriculture production conferences are important because they provide an opportunity for farmers, researchers, and other professionals to come together and discuss the latest advancements in agriculture production. These conferences help to improve the efficiency and effectiveness of agriculture production, which ultimately leads to increased food production and improved food security.

**Types of Agriculture Production Conferences:** There are several types of agriculture production conferences, including those focused on specific crops (e.g., cotton, rice, corn, soybeans), livestock production, and general agriculture production. These conferences can be sponsored by various organizations, such as government agencies, universities, or private companies.

**Benefits of Attending Agriculture Production Conferences:** Attending agriculture production conferences can provide numerous benefits, including:

- Learning about the latest advancements in agriculture production
- Networking with other professionals in the agricultural industry
- Discovering new technologies and techniques that can improve agriculture production
- Gaining insights into current issues and trends in the agricultural industry
- Receiving continuing education credits

**Conclusion:** Agriculture production conferences are an important part of the agricultural industry, providing opportunities for farmers, researchers, and other professionals to come together and discuss the latest advancements in agriculture production. By attending these conferences, attendees can learn about new technologies and techniques, network with others in the industry, and gain insights into current issues and trends. These conferences ultimately contribute to increased food production and improved food security.

**Glossary:**
- Agriculture: The science or practice of farming, including cultivation of crops and livestock production.
- Conference: A large formal meeting of representatives of different organizations or groups.
- Continuing education: Educational activities that help individuals to maintain and develop their professional capabilities.


text: Our Products. We are the renowned manufacturer and supplier of a flawless array of VC Blister and Vacuum Forming PVC Punnets. The offered product range is precisely designed and manufactured using top-notch quality raw material and sophisticated technology in adherence to international quality standards. The offered array is widely recognized among clients for the perfect finish, compact design, durability and moisture resistance. In addition to this, we offer these products in various specifications at market leading prices.. We offer:

textbook:
Lesson: Introduction to Manufacturing and Supply Chain Management

**Objective:** To introduce students to the concept of manufacturing and supply chain management, and how they relate to business operations.

**Section 1: Theory**

Manufacturing refers to the process of creating goods or products from raw materials. This can involve a variety of activities, such as processing, assembling, and packaging. Supply chain management, on the other hand, involves managing the flow of goods and services from suppliers to customers. This includes everything from procurement, production, and distribution to inventory management and logistics.

**Section 2: Practice**

1. What is the difference between manufacturing and supply chain management?
2. Why is it important for businesses to have an efficient supply chain?
3. Can you give an example of a company that has a strong supply chain management system?

**Section 3: Application**

Let's say you own a small business that makes and sells handmade jewelry. You need to source the materials for your products, such as beads and metals, from suppliers. Once you have the materials, you need to assemble them into finished products and package them for sale. This process requires effective supply chain management to ensure that the materials are delivered on time and that the products are made efficiently and delivered to customers in a timely manner.

**Glossary:**
- Manufacturing: The process of creating goods or products from raw materials.
- Supply chain management: The management of the flow of goods and services from suppliers to customers.
- Raw materials: Unprocessed substances used to create a product.
- Procurement: The process of acquiring goods or services from external sources.
- Distribution: The process of delivering finished products to customers.
- Logistics: The coordination and management of resources needed for the movement and storage of goods.

**Conclusion:**

Understanding manufacturing and supply chain management is crucial for any business that wants to operate efficiently and effectively. By managing the flow of goods and services from suppliers to customers, businesses can reduce costs, improve quality, and increase customer satisfaction.


text: In the majority of commercial organisations, the opinions of accountants carry the most weight. It is therefore necessary that logistics professionals understand accounting terminology and the accounting approach to business decisions. The unit develops an understanding of management accounting and the challenges of relying on accounting reports in a logistics setting. Based on accounting principles, students critically examine logistics operations to identify areas of financial strength and weakness in understanding and improving logistics operations. The unit analyses options for translating logistics operational events into management accounts and budgets and seeks to develop diagnostic and prescriptive skills in relation to accounting for the total costs of an organisation’s supply:

textbook:
Lesson: Introduction to Accounting for Logistics Operations

### Section 1: What is Accounting?
Accounting is the process of recording, summarizing, and interpreting financial transactions to provide information about a company's financial performance. It helps businesses make informed decisions by tracking their income, expenses, assets, and liabilities.

### Section 2: Why is Accounting Important in Logistics Operations?
Accounting is crucial in logistics operations because it helps companies manage their finances effectively. Logistics companies need to track their expenses, revenues, and inventory levels to ensure they are making profits and staying within budget. Accounting also helps logistics companies identify areas where they can improve efficiency and reduce costs.

### Section 3: Understanding Accounting Principles
There are several accounting principles that logistics companies should follow. These include:

1. The Matching Principle: This principle states that expenses should be matched with the revenues they help generate. For example, if a logistics company incurs expenses related to delivering goods, those expenses should be recorded in the same accounting period as the related revenue.

2. The Conservation Principle: This principle states that assets should not be overstated or understated. Logistics companies should ensure that their inventory levels are accurate and that they do not overstate or understate their assets.

3. The Consistency Principle: This principle states that accounting methods should be consistent from one accounting period to another. Logistics companies should use the same accounting methods to record their financial transactions.

4. The Cost Principle: This principle states that assets should be valued at their cost, not their market value. Logistics companies should record the cost of their assets, such as equipment and vehicles, instead of their market value.

### Section 4: Analyzing Financial Statements
Logistics companies can analyze their financial statements to identify areas of financial strength and weakness. They can use financial ratios, such as the current ratio, debt-to-equity ratio, and profit margin, to evaluate their financial performance. By analyzing their financial statements, logistics companies can identify areas where they need to improve their operations.

### Section 5: Translating Logistics Operational Events into Management Accounts and Budgets
Logistics companies can translate their operational events into management accounts and budgets to track their financial performance. They can use budgeting tools to forecast their expenses and revenues and compare their actual results with their budgeted amounts. This helps them identify areas where they need to improve their operations and makes it easier for them to manage their finances effectively.

### Section 6: Diagnostic and Prescriptive Skills in Relation to Accounting for the Total Costs of an Organization's Supply
Logistics companies can use accounting principles to identify the total costs of their supply chain. They can analyze their supplier relationships, inventory levels, and transportation costs to identify areas where they can reduce costs and improve efficiency. By using diagnostic and prescriptive skills, logistics companies can identify the root causes of their financial challenges and develop strategies to address them.

### Glossary:
- Assets: Resources owned by a company that have value, such as equipment and vehicles.
- Expenses: Money spent by a company to operate its business, such as rent and salaries.
- Income: Money earned by a company from its operations, such as sales revenue.
- Liabilities: Debts owed by a company, such as loans and accounts payable.
- Inventory: Goods owned by a company that are ready for sale.
- Revenue: Money earned by a company from its operations, such as sales and services.

### Conclusion:
Understanding accounting principles is essential for logistics companies to manage their finances effectively. By analyzing their financial statements and translating their operational events into management accounts and budgets, logistics companies can identify areas where they need to improve their operations and make informed decisions about their financial future.


text: A new lighting project will lead to energy savings in the region corresponding to the annual energy consumption of around 1800 households. Only one fifth of the public lighting in […]. A new and exclusive report by Gate 21 & Innovation Skåne, estimates a big potential for LED-investment, and its related energy savings, in Greater Copenhagen. As a part of […]

textbook:
Lesson: Understanding Energy Savings and LED Investment

**Introduction:** In this lesson, we will learn about energy savings and LED investment. We will explore what energy savings are, how LED investment can help achieve them, and the benefits of implementing LED lighting in our communities.

**Section 1: What are Energy Savings?**
Energy savings refer to the reduction of energy consumption or the use of more efficient energy sources. This can be achieved through various means such as using energy-efficient appliances, reducing energy waste, and implementing renewable energy sources.

**Section 2: How can LED Investment Help Achieve Energy Savings?**
LED (Light Emitting Diode) investment refers to the installation of LED lights in place of traditional lighting sources such as incandescent bulbs or fluorescent lamps. LED lights are more energy-efficient and have a longer lifespan than traditional lighting sources. By investing in LED lights, we can reduce energy consumption and achieve significant energy savings.

**Section 3: Benefits of Implementing LED Lighting**
Implementing LED lighting has several benefits including:
- Reduced energy bills: LED lights consume less energy than traditional lighting sources, leading to reduced energy bills.
- Longer lifespan: LED lights have a longer lifespan than traditional lighting sources, which means they need to be replaced less frequently.
- Better light quality: LED lights provide better light quality, which can improve visibility and safety.
- Environmentally friendly: LED lights do not contain hazardous materials such as mercury, which makes them more environmentally friendly than some traditional lighting sources.

**Glossary:**
- Energy savings: Reduction of energy consumption or the use of more efficient energy sources.
- LED investment: Installation of LED lights in place of traditional lighting sources.
- LED lights: Light Emitting Diode lights that are more energy-efficient and have a longer lifespan than traditional lighting sources.

**Conclusion:**
In conclusion, understanding energy savings and LED investment is crucial in our quest for sustainable development. By implementing LED lighting, we can achieve significant energy savings, reduce our carbon footprint, and improve the overall well-being of our communities.


text:
Editorial Review

USAA Mortgage Loans Review 2020

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Our Take

3.0

NerdWallet rating

The bottom line: USAA specializes in VA loans and has sterling customer service, but online capabilities are limited.

Jump to:

Full Review

USAA: NMLS#8722

Min. Credit Score

620

Min. Down Payment

3%

Loan Types and Products

Purchase, Refinance, Jumbo, Fixed, Adjustable, VA

Pros & Cons

Pros

VA loans are the bulk of USAA’s business, so it knows the ins and outs of eligibility.

Loan Types and Products

Find the best lender

Full Review

USAA Mortgage is part of a unique financial services firm. While USAA is neither simply a bank nor a credit union, it shares characteristics with both. The company formed in 1922 when 25 U.S. Army officers who couldn't get auto insurance because they were considered a poor risk decided to insure one another's vehicles.

USAA is still in the insurance business, but it also offers banking, credit cards, loans and investment advice. And, like a credit union, USAA is owned by its members, which can be anyone who has ever "honorably served in the U.S. armed forces and their direct dependents."

Here’s how USAA Mortgage compares to stiff competition in the crowded home loan industry.

USAA Mortgage specializes in VA loans

USAA serves all 50 states and the District of Columbia, but not through a network of local offices. USAA is “100% consumer direct,” meaning most business is conducted over the phone.

Loans backed by the U.S. Department of Veterans Affairs are USAA’s sweet spot. In fact, nearly two-thirds of USAA mortgages are VA loans.

"We traditionally have [served] a lot of first-time home buyers," says John Harrell, vice president of USAA Mortgage. The average loan size is $230,000. "Our bread-and-butter member is that active-duty [non-commissioned officer] or recently separated veteran, and many times buying that first home that is in that $230,000 range."

Even though USAA offers conventional loans with as little as 3% down, considering its military membership, VA loans are the core offering for first-time home buyers. As a result, USAA doesn’t offer FHA or USDA loans.

USAA's mortgage loan fees

USAA charges one point (1.0%) origination fee on home loans, which comes to $2,300 on its average, $230,000 mortgage.

"We...don't really have any of what I would call junk fees. So an underwriting fee, or a documentation fee. We don't have any of those kinds of fees," Harrell says.

Perhaps the best mortgage deal at USAA is a streamlined — meaning less paperwork — VA refinance. The VA Interest Rate Reduction Refinance Loan (VA IRRRL) has no origination fee, and USAA covers the appraisal, title and VA funding fee.

"We pay all fees [on the IRRRL]," Harrell says. "That's been extraordinarily popular with our members, because not only do they end up saving money because we give them a lower rate and it improves their monthly cash flow — they can do it without a penny out of pocket and not rolling any costs into their loan."

A digital future

Because USAA's membership has traditionally relied on a long-distance relationship rather than a brick-and-mortar local presence, technology is key. The ultimate goal: Allow members to complete the entire mortgage experience online, from pre-qualification to closing. USAA is not there yet.

"That's several years off," Harrell acknowledges. "We feel like we're about 30 to 40% into our digital journey."

A hint of USAA's digital future is already evident. An online pre-qualification application can be completed in about three minutes, Harrell says. Document uploads and e-sign are also available. And when a user receives an official loan estimate, the data for his or her particular loan is rendered in real time as an explanatory video, breaking down all of the information contained in the estimate.

USAA's mortgage application process

For now, the mortgage application process is completed over the phone. There is a single point of contact through this initial loan stage.

"Before, the average member called in 3.6 times before they applied, and [spoke to] 3.6 different people," Harrell says.

USAA mortgage rates are available online but are not customized by a user's credit score or loan details. Some lenders adjust pricing by location, but USAA's rates do not vary by geography.

For its military members, USAA Mortgage is a worthy contender among home loan lenders. However, it will be an even more formidable competitor once its technology enhancements are completed.

NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

source: minipile

textbook:
Lesson: Introduction to Mortgage Loans

### Overview

Mortgage loans are a type of loan that allows individuals to purchase a property or refinance their existing home loan. In this lesson, we will explore the basics of mortgage loans, including their benefits, types, and how they work. We will also discuss the process of applying for a mortgage loan and what to consider before taking one out.

### Learning Objectives

By the end of this lesson, you should be able to:

1. Define a mortgage loan and its purpose.
2. Identify the different types of mortgage loans available.
3. Understand the benefits and risks associated with mortgage loans.
4. Explain the process of applying for a mortgage loan.
5. Discuss factors to consider before taking out a mortgage loan.

### Section 1: What is a Mortgage Loan?

A mortgage loan is a type of loan that allows individuals to borrow money to purchase a property or refinance their existing home loan. The property serves as collateral for the loan, meaning that if the borrower fails to repay the loan, the lender can seize the property and sell it to recoup the money lent.

### Section 2: Types of Mortgage Loans

There are several types of mortgage loans available, each with its own set of features and benefits. These include:

1. Conventional Loans: These loans are not guaranteed by the government and typically require a down payment of at least 3%. They come in various terms, including 15-, 20-, and 30-year fixed-rate loans.

2. Government-Backed Loans: These loans are insured by the government, reducing the lender's risk and allowing for lower interest rates and down payments. The most common types of government-backed loans are FHA, VA, and USDA loans.

3. Adjustable-Rate Mortgages (ARMs): Unlike fixed-rate loans, ARMs have an interest rate that can change over time, usually after an initial period. The rate can adjust annually or periodically, causing monthly payments to fluctuate.

4. Cash-Out Refinance Loans: With this type of loan, borrowers can take cash out of their home equity while refinancing their existing loan. The amount of cash taken out is added to the new loan balance.

### Section 3: Benefits and Risks of Mortgage Loans

Mortgage loans offer several benefits, including the ability to purchase a property or refinance an existing loan at a lower interest rate. However, there are also risks associated with these loans, such as the possibility of foreclosure if the borrower fails to make payments.

Benefits:
- Purchase property or refinance existing loan
- Lower interest rates than other types of loans
- Tax deductions for interest paid on mortgage loans
- Builds equity over time

Risks:
- Foreclosure if borrower fails to make payments
- High closing costs
- Changes in interest rates during the life of the loan
- Loss of property if loan is not repaid

### Section 4: Applying for a Mortgage Loan

Applying for a mortgage loan involves several steps, including:

1. Determining your budget: Before applying for a loan, it's essential to determine how much house you can afford based on your income, debts, and expenses.

2. Getting pre-approved: A pre-approval letter shows real estate agents and sellers that you are qualified to buy a home and helps you stand out from other potential buyers.

3. Choosing a lender: Research different lenders and compare their interest rates, fees, and loan options to find the best fit for your needs.

4. Completing the application: Once you've chosen a lender, you'll need to provide documentation such as proof of income, credit score, and down payment amount.

5. Finalizing the loan: After your application is approved, you'll need to attend a closing where you'll sign the final paperwork and pay any closing costs.

### Section 5: Factors to Consider Before Taking Out a Mortgage Loan

Before taking out a mortgage loan, it's essential to consider several factors, including:

1. Credit score: A higher credit score can lead to a lower interest rate, which means lower monthly payments and overall savings over the life of the loan.

2. Debt-to-income ratio: Lenders look at your debt-to-income ratio to determine how much of a monthly payment you can afford.

3. Down payment: The size of your down payment affects the amount of the loan and the interest rate. A larger down payment can lead to a lower interest rate and monthly payment.

4. Loan term: The length of the loan term affects the monthly payment and the total interest paid over the life of the loan. Longer terms mean lower monthly payments but more interest paid over time.

5. Closing costs: These are the fees associated with obtaining a mortgage loan and can include appraisal fees, origination fees, and title insurance.

### Glossary

Collateral: Property that serves as security for a loan, meaning that if the borrower fails to repay the loan, the lender can seize the property and sell it to recoup the money lent.

Interest rate: The percentage of the loan amount charged by the lender for the use of the money.

Principal: The amount of money borrowed from the lender, not including interest.

Closing costs: Fees associated with obtaining a mortgage loan, such as appraisal fees, origination fees, and title insurance.

Conclusion

In summary, mortgage loans allow individuals to purchase a property or refinance their existing home loan. There are several types of mortgage loans available, each with its own set of features and benefits. It's essential to consider factors such as credit score, debt-to-income ratio, down payment, loan term, and closing costs before taking out a mortgage loan. By understanding the basics of mortgage loans, you can make an informed decision about whether this type of loan is right for you.


text: false. Description. RWHS Model L is suitable when the amount of water use is unpredictable at a given time – up to 80 liters/minute. The heavy duty variable speed pump makes sure that system is coping with the variations in pressure. Reducing pump speed reduces pressure imparted to the fluid and this results in reducing the power consumption. Further to energy conservation there are also many benefits such as improved reliability, process performance and providing efficient flow control. The control system of RWHS Model L separates rainwater from the mains with the help of a break-tank with type AB airgap. Rainwater is given priority over mains and when the tank is empty, the control system automatically switches to mains.. Technical Information and Manuals. - All Products are subject to 1 to 2 years warranty.. -. Spare parts. Recently viewed

textbook:
Lesson: Introduction to Pumps and Their Uses

## Section 1: Theory
A pump is a mechanical device that moves fluids or gases by creating pressure differentials. There are many types of pumps, each designed for specific applications. In this lesson, we will learn about the different types of pumps and their uses.

### Subsection 1.1: Types of Pumps
There are three main types of pumps: centrifugal, positive displacement, and vacuum.

1. Centrifugal Pumps: These pumps use centrifugal force to move fluid. They are commonly used in irrigation, water supply, and industrial processes.

2. Positive Displacement Pumps: These pumps move fluid by trapping a fixed volume and then forcing it out. They are commonly used in chemical processing and oil and gas industries.

3. Vacuum Pumps: These pumps create a negative pressure to draw in and transport fluids. They are commonly used in laboratories and manufacturing processes.

### Subsection 1.2: Applications of Pumps
Pumps are used in a wide range of applications, including:

1. Water Supply: Pumps are used to move water from sources like lakes, rivers, and wells to treatment plants and distribution systems.

2. Irrigation: Pumps are used to move water from wells or other sources to irrigate crops.

3. Industrial Processes: Pumps are used to move fluids like oil, chemicals, and water in industrial processes.

4. HVAC Systems: Pumps are used to circulate water or other fluids in heating, ventilation, and air conditioning (HVAC) systems.

5. Fire Protection: Pumps are used to move water in fire protection systems.

## Section 2: Practice
1. What is a pump?
2. What are the three main types of pumps?
3. What are some common applications of pumps?

## Section 3: Self-Debate
1. How does a centrifugal pump work?
2. What are some advantages of using pumps in industrial processes?
3. Are there any disadvantages to using pumps? If so, what are they?

## Glossary
- Pump: A mechanical device that moves fluids or gases by creating pressure differentials.
- Centrifugal Force: The force that pushes an object away from the center of rotation.
- Positive Displacement: A type of pump that moves fluid by trapping a fixed volume and then forcing it out.
- Vacuum: A space where the pressure is lower than the surrounding area.

## Conclusion
Pumps are essential tools in many industries and applications. By understanding the different types of pumps and their uses, we can make informed decisions about which pump is best suited for a particular task. This knowledge can help us save energy, improve process performance, and provide efficient flow control.


text: Medizinischer Marihuana Medizinischer Marihuana:. Cara Therapeutics Cannabis Sativa CannaGrow Holdings Vereinigte Cannabis Growblox Sciences GreenGro Technologies GW Pharmaceuticals Lexaria Corp MMJ America. Study Objective of the Report:. · To study and estimate the market size of Medizinischer Marihuana-Markt, in terms of value.. · To find growth and challenges for market.. · To study worthwhile expansions such as expansions, new services launches in Medizinischer Marihuana-Markt.. · To conduct the pricing analysis for market.. · To classify and assess the side view of important companies of Medizinischer Marihuana-Markt.. Get Up To 40% Discount on this Premium Report @:. In terms of region, the Medizinischer Marihuana-Markt market can be segmented into North America, Europe, Asia Pacific, Latin America, and Middle East & Africa. This market is evaluated on the basis of Value (USD Million) as well.. Finally, all the aspects of the Medizinischer Marihuana Medizinischer Marihuana Medizinischer Marihuana

textbook:
Lesson: Introduction to Medical Marijuana

## Chapter 1: What is Medical Marijuana?

### Section 1.1: Definition

Medical marijuana refers to the use of marijuana or its components, such as cannabinoids, to treat certain medical conditions. It is also known as medical cannabis or medicinal cannabis.

### Section 1.2: Importance

The use of medical marijuana has been gaining popularity in recent years due to its potential health benefits. It has been found to help alleviate symptoms of various medical conditions, including chronic pain, anxiety, and seizures.

### Section 1.3: Legal Status

The legal status of medical marijuana varies by country and region. In some places, it is legal for medicinal purposes, while in others, it is still considered an illegal substance. It is essential to check the local laws and regulations before using or prescribing medical marijuana.

## Chapter 2: How does Medical Marijuana Work?

### Section 2.1: Cannabinoids

Cannabinoids are the active ingredients in marijuana that have therapeutic effects. The two most well-known cannabinoids are tetrahydrocannabinol (THC) and cannabidiol (CBD). THC is responsible for the "high" feeling, while CBD has no psychoactive effects but has been shown to have medicinal properties.

### Section 2.2: Endocannabinoid System

The endocannabinoid system (ECS) is a complex network of receptors and enzymes found throughout the body. It plays a crucial role in maintaining homeostasis and regulating various physiological processes. When cannabinoids enter the body, they interact with the ECS to produce therapeutic effects.

### Section 2.3: Medical Conditions Treated

Medical marijuana has been found to be effective in treating various medical conditions, including chronic pain, multiple sclerosis, epilepsy, cancer-related symptoms, and post-traumatic stress disorder (PTSD).

## Chapter 3: Safety and Side Effects

### Section 3.1: Side Effects

While medical marijuana has many potential health benefits, it can also cause side effects. Some common side effects include dizziness, dry mouth, and increased heart rate. These side effects are usually mild and temporary, but patients should consult with their healthcare provider before starting treatment.

### Section 3.2: Drug Interactions

It is essential to inform healthcare providers if patients are taking any other medications, as medical marijuana may interact with other drugs. Some medications may be less effective when taken with medical marijuana, while others may have additive effects, leading to increased side effects.

## Chapter 4: Conclusion

In conclusion, medical marijuana has the potential to provide significant health benefits for those suffering from various medical conditions. However, it is essential to consult with a healthcare provider before starting treatment to ensure safety and effectiveness. As with any medication, patients should weigh the potential benefits against the risks and discuss all options with their healthcare provider.


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textbook:
Core Value: Finance and Business

Lesson: Introduction to Finance and Business

### Section 1: Theoretical Concepts

**Topic 1: What is Finance?**
Finance is the study of how individuals and organizations raise, allocate, and use money to achieve their goals. It deals with the management of money, including investments, loans, and other financial instruments.

**Topic 2: What is Business?**
Business is an organization that produces and sells goods or services to earn a profit. It involves creating a product or service that people are willing to buy, and then finding ways to distribute and market it to potential customers.

**Topic 3: How do Finance and Business relate?**
Finance and business are closely related because finance provides the resources needed for a business to operate. Businesses need money to pay for materials, labor, and other expenses, and they often turn to financial institutions for help. Finance also plays a role in decision-making, as businesses must consider the financial implications of their choices.

### Section 2: Practical Examples

**Topic 1: Investment**
Investment is one way that individuals and organizations can use finance to achieve their goals. When you invest, you put money into something with the expectation that it will grow in value over time. For example, you might invest in stocks, bonds, or real estate.

**Topic 2: Loans**
Loans are another way that finance can help businesses and individuals. A loan is a sum of money that is lent to someone else, usually with the understanding that it will be repaid with interest. For example, a person might take out a loan to buy a car or a business might borrow money to expand its operations.

**Topic 3: Financial Instruments**
Financial instruments are tools that are used in finance to manage money. They include things like stocks, bonds, and options, which can be bought and sold on financial markets. These instruments can be used to invest money, hedge against risk, or speculate on future market movements.

### Section 3: Self-Debating Discussions

**Topic 1: Risk and Return**
One of the key concepts in finance is the relationship between risk and return. Generally speaking, the higher the risk associated with an investment, the higher the potential return. However, this is not always the case, and individuals and organizations must carefully consider the risks involved before making any investment decisions.

**Topic 2: Time Value of Money**
The time value of money is another important concept in finance. It refers to the idea that money today is worth more than the same amount of money in the future, because it can be invested and earn interest over time. This means that individuals and organizations should consider the timing of their investments carefully, in order to maximize their returns.

**Topic 3: Diversification**
Diversification is a strategy that can be used to reduce risk in investment portfolios. By spreading investments across different types of assets, industries, and geographic locations, individuals and organizations can minimize the impact of any one investment on their overall portfolio.

### Glossary
- Finance: The study of how individuals and organizations raise, allocate, and use money to achieve their goals.
- Business: An organization that produces and sells goods or services to earn a profit.
- Investment: Putting money into something with the expectation that it will grow in value over time.
- Loan: A sum of money that is lent to someone else, usually with the understanding that it will be repaid with interest.
- Financial Instruments: Tools used in finance to manage money, including stocks, bonds, and options.
- Risk: The possibility of losing money or experiencing a negative outcome.
- Return: The amount of money earned from an investment, typically expressed as a percentage.
- Time Value of Money: The idea that money today is worth more than the same amount of money in the future.
- Diversification: A strategy for reducing risk by spreading investments across different types of assets, industries, and geographic locations.


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textbook:
## Lesson: Introduction to Search Engine Optimization (SEO)
### Section 1: What is SEO?
Search Engine Optimization (SEO) is the process of improving the visibility of a website or a web page in a search engine's unpaid results. The goal of SEO is to increase the quantity and quality of traffic to a website from search engines.
### Section 2: Why is SEO important?
SEO is important because it helps to improve the visibility of your website or web page, which can lead to more traffic, more clicks, and ultimately, more customers. When your website is optimized for search engines, it means that it is easier for people to find your website when they are searching for relevant keywords. This can help you to rank higher in search engine results pages (SERPs), which can lead to more clicks and more business.
### Section 3: How does SEO work?
SEO works by optimizing your website's content, structure, and code to make it more attractive to search engines. This includes using relevant keywords, creating high-quality content, building links, and improving the user experience.
### Section 4: Keyword Research
Keyword research is an important part of SEO because it helps you to identify the keywords and phrases that people use to search for products or services like yours. You can use keyword research tools to find the most relevant and popular keywords for your website, and then use those keywords in your content, titles, and meta descriptions.
### Section 5: On-Page Optimization
On-page optimization involves optimizing the content, structure, and code of your website's pages to make them more attractive to search engines. This includes using relevant keywords, creating high-quality content, and improving the user experience.
### Section 6: Off-Page Optimization
Off-page optimization involves building links and citations from other websites to your website. This can help to improve your website's authority and credibility, and can also help to increase its visibility in search engine results pages.
### Section 7: User Experience
User experience is an important part of SEO because it affects how search engines perceive your website. If your website provides a good user experience, with fast loading times, easy navigation, and relevant content, search engines are more likely to rank it highly.
### Conclusion
In conclusion, SEO is an important part of any digital marketing strategy. By optimizing your website for search engines, you can improve its visibility, attract more traffic, and ultimately, generate more business. By following the tips and techniques outlined in this lesson, you can improve your website's SEO and achieve better results in search engine results pages.


text: Baltfab researchers have developed an atomic force microscopy (AFM) scanning technique which enables AFM imaging of large areas at unprecedented (up to 45 mm/s) scanning speed. More information and the link to the paper can be found here: (). Author Archives: Mindaugas. New process for lipid nanopatterning. BALTFAB scientists.... Baltfab has a Cell culture laboratory. A.... Microfluidic Channels made by laser ablation. UV.... Protein-Protein Interactions in Reversibly Assembled Nanopatterns. Proteins binding kinetics is measured to understand …. Proteins are deposited on surface using DPN regime and …. Image shows: Contact AFM of biotin-disulfide lines on gold . (Scratches are due to SF10 glass polishing in the manufacturing process) PDF: Protein-Protein Interactions in Reversibly Assembled Nanopatterns

textbook:
Lesson: Introduction to Atomic Force Microscopy (AFM)

### Section 1: Theoretical Concepts

AFM is a powerful imaging technique that uses a sharp probe to measure the forces between atoms. It is widely used in materials science, biology, and chemistry to study the properties of surfaces and materials at the nanoscale. AFM works by scanning a probe over a sample surface and measuring the deflection of the probe as it interacts with the surface. The deflection is then used to create an image of the surface with atomic resolution.

### Section 2: Practical Examples

One practical example of AFM is the study of protein-protein interactions in reversibly assembled nanopatterns. In this experiment, proteins are deposited on a surface using a technique called dip-and-strip nanolithography. The proteins are then allowed to interact with each other in a controlled environment, and the resulting patterns are imaged using AFM. This technique allows researchers to study the kinetics of protein binding and gain insights into the mechanisms of protein-protein interactions.

### Section 3: Real-World Scenarios

Another real-world application of AFM is in the field of materials science. AFM can be used to study the mechanical properties of materials at the nanoscale, such as their hardness and elasticity. This information can be used to improve the performance of materials in various applications, such as in the development of new electronic devices or more durable coatings.

### Glossary

- AFM: Atomic Force Microscopy
- Nanoscale: A scale of measurement that refers to structures or particles with dimensions in the range of 1 to 100 nanometers
- Surface: The outer layer of a material or object
- Probe: A thin, sharp instrument used to measure the forces between atoms
- Deflection: The bending or movement of an object due to an external force
- Resolution: The ability of an imaging technique to distinguish between two closely spaced objects
- Mechanisms: The processes or methods by which something is done or created
- Nanolithography: A technique used to create nanoscale patterns on a surface
- Proteins: Large, complex molecules that are essential for the structure, function, and regulation of living organisms
- Binding: The process by which two or more substances form a chemical bond
- Kinetics: The study of the rates of chemical reactions and the factors affecting those rates

### Conclusion

AFM is a powerful tool for studying materials and processes at the nanoscale. By understanding the principles behind AFM and the practical applications of this technique, students can gain valuable insights into the world of materials science, biology, and chemistry. Through the study of AFM, students will develop critical thinking and problem-solving skills that can be applied to a wide range of scientific problems.


text: The Office of Global Programs is pleased to announce that the online application to NYU Law Abroad and Exchange Programs for Academic Year 2018-2019 is now open and will run through Monday, February 19, 2018 at midnight. Walk-in Advising Hours with the Office of Global Programs are offered on Monday and Wednesday afternoons in January and February, from 2:00-4:00 PM in Furman Hall, Suite 340.. To apply, visit our online portal at and create a “New User” account. Choose “Application for NYU Law Abroad and Exchange AY 18-19,” as the online application form is the same for both NYU Law Abroad and Exchange Programs. Students will be asked to input program rankings, and upload a resume, transcript and personal statement. You will have the opportunity to apply for both types of programs in the same application. If applying for more than one program, applicants will be asked to rank selections and complete a separate plan of study for each program. about NYU Law Abroad programs in Shanghai, Paris and Buenos Aires,.

textbook:
Lesson Title: Introduction to Online Applications

Overview: In this lesson, we will learn about the process of submitting an online application, including creating an account, filling out the application form, and uploading required documents. We will also discuss the importance of researching programs and preparing a strong application.

Section 1: Introduction to Online Applications

Topic 1: Creating an Account

- What is an online application?
- Why do we need to create an account to submit an online application?
- What information is required to create an account?

Topic 2: Filling Out the Application Form

- What information is typically requested on an online application?
- How do you choose which programs to apply to?
- What is the importance of ranking programs?

Topic 3: Uploading Required Documents

- What documents are typically required for an online application?
- How do you ensure that your documents are properly formatted?
- What is the importance of a personal statement?

Section 2: Researching Programs and Preparing a Strong Application

Topic 1: Researching Programs

- Why is it important to research programs before applying?
- What factors should you consider when researching programs?
- How do you find information about programs?

Topic 2: Preparing a Strong Application

- What makes a strong application?
- How can you stand out from other applicants?
- What is the importance of following application instructions carefully?

Section 3: Conclusion

- What have we learned about online applications?
- How can we apply these skills to future applications?
- What are some tips for submitting a successful online application?

Glossary:
- Online Application: A form used to apply for a program or job online.
- Personal Statement: A written statement that explains why you are a good candidate for a program or job.
- Ranking: The process of listing programs in order of preference.

Conclusion:
In conclusion, submitting an online application can be a daunting task, but by following the steps outlined in this lesson, you can increase your chances of success. Remember to research programs thoroughly, prepare a strong application, and follow instructions carefully. By doing so, you can stand out from other applicants and increase your chances of being accepted into your desired program.


text:
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textbook:
Title: Meditation Techniques for Stress Relief

## Chapter 1: Introduction to Meditation Techniques

Meditation is a practice that has been around for thousands of years. It is a way to calm the mind, reduce stress, and improve overall well-being. There are many different types of meditation techniques, and each one has its own unique benefits. In this lesson, we will explore some of the most popular meditation techniques and how they can help relieve stress.

## Chapter 2: Breathing Technique

The breathing technique is one of the most popular meditation techniques. It involves focusing your attention on your breath as it moves in and out of your body. This technique is simple but powerful, and it can help you calm your mind and reduce stress.

**Theoretical Concepts:**

- Focusing your attention on your breath can help you become more present and aware.
- Breathing deeply can help lower your heart rate and blood pressure, which can reduce stress.

**Practical Examples:**

- Find a quiet place where you can sit or lie down comfortably.
- Close your eyes and take a deep breath in through your nose, then exhale slowly through your mouth.
- Continue to breathe deeply and evenly, focusing your attention on the sensation of your breath moving in and out of your body.
- If your mind starts to wander, gently bring your attention back to your breath.

**Definitions:**

- Present: being fully aware and engaged in the current moment.
- Aware: having knowledge or perception of something.

## Chapter 3: Mindfulness Meditation

Mindfulness meditation is another popular meditation technique. It involves paying attention to your thoughts, feelings, and sensations without judgment. This technique can help you become more aware of your inner experiences and reduce stress.

**Theoretical Concepts:**

- Mindfulness involves paying attention to your thoughts, feelings, and sensations without judgment.
- Practicing mindfulness can help you become more present and aware.

**Practical Examples:**

- Find a quiet place where you can sit or lie down comfortably.
- Close your eyes and take a few deep breaths to help yourself relax.
- Bring your attention to your breath and focus on the sensation of your breath moving in and out of your body.
- If your mind starts to wander, gently bring your attention back to your breath.
- When you're ready, expand your awareness to include any thoughts, feelings, or sensations that arise.
- Observe these experiences without judgment, letting them come and go without getting caught up in them.

**Definitions:**

- Judgment: the process of forming an opinion or evaluation.

## Chapter 4: Loving-Kindness Meditation

Loving-kindness meditation is a meditation technique that involves generating feelings of love, compassion, and goodwill towards yourself and others. This technique can help you develop positive emotions and reduce stress.

**Theoretical Concepts:**

- Loving-kindness involves generating feelings of love, compassion, and goodwill towards yourself and others.
- Practicing loving-kindness can help you develop positive emotions and reduce stress.

**Practical Examples:**

- Find a quiet place where you can sit or lie down comfortably.
- Close your eyes and take a few deep breaths to help yourself relax.
- Bring to mind someone you love and generate feelings of love and appreciation for them.
- Repeat the following phrases silently to yourself: "May I be happy. May I be healthy. May I be peaceful. May I be free from suffering."
- Visualize this person in your mind and imagine them experiencing happiness, health, peace, and freedom from suffering.
- Repeat the phrases for someone neutral, such as a friend or acquaintance, and then for someone you may have difficulty with, such as an enemy or someone who has hurt you.
- Visualize each person experiencing the same positive qualities as before.

**Definitions:**

- Positive emotions: emotions that leave us feeling uplifted, inspired, and energized.

## Chapter 5: Conclusion

In this lesson, we explored four different meditation techniques: the breathing technique, mindfulness meditation, loving-kindness meditation, and body scan meditation. Each technique has its own unique benefits, but all of them can help reduce stress and improve overall well-being. By practicing these techniques regularly, you can develop a stronger connection with yourself and the world around you.


text: Dedicated to Deposits:. Deals, Data, and Discussion. Forum. Banks. Savings Accounts. Checking Accounts. CD Rates. Money Market. IRA Rates. Featured Savings Rates. Featured Accounts. Back to Credit Scores, Debt and Loans. New Rules Limit Options For Reverse Mortgage Customers. Wednesday, September 11, 2013 - 6:49 AM. The U.S. government is putting tighter restrictions on reverse mortgages, reducing the amount of equity homeowners can access through reverse mortgage deals.. New Rules Limit Options For Reverse Mortgage Customers | Real Estate | Mortgages | Get the best rates on mortgage, home equity loans, CD, money markets and checking accounts | BankingMyWay. 4. Shorebreak. 2,269 posts since. Apr 6, 2010. Rep Points: 11,966

textbook:
Lesson: Understanding Reverse Mortgages

Introduction:
A reverse mortgage is a type of loan that allows homeowners to convert their home equity into cash. This loan is designed for people who are 62 years old or older and have substantial equity in their homes. In this lesson, we will explore what a reverse mortgage is, how it works, and the new rules that limit its options.

Section 1: What is a Reverse Mortgage?

A reverse mortgage is a loan that allows homeowners to borrow against the equity in their homes. Unlike traditional mortgages, reverse mortgages do not require monthly payments. Instead, the loan balance grows over time as interest is added to the loan balance. The borrower is not required to pay back the loan until the home is sold or the last borrower passes away.

Section 2: How does a Reverse Mortgage work?

To get a reverse mortgage, the borrower must be at least 62 years old and have sufficient equity in their home. The lender will appraise the home to determine its value and the amount of equity the borrower has. The borrower can then borrow up to a certain percentage of their home's value, depending on their age and the current interest rates.

The borrower can receive the funds from the reverse mortgage in several ways, including a lump sum payment, monthly payments, or a line of credit. The borrower is not required to make any monthly payments on the loan, and the loan balance will grow over time as interest is added.

Section 3: New Rules for Reverse Mortgages

In 2013, the U.S. government put new rules in place for reverse mortgages, which reduced the amount of equity homeowners could access through reverse mortgage deals. These new rules included:

1. Lower loan limits: The new rules reduced the amount of money homeowners could borrow through a reverse mortgage.

2. Financial assessment: Lenders are now required to assess the borrower's ability to pay property taxes and homeowner's insurance before approving a reverse mortgage.

3. Mandatory counseling: Borrowers must attend a counseling session to understand the risks and benefits of a reverse mortgage.

These new rules were put in place to protect homeowners from taking out loans they could not afford to repay.

Section 4: Conclusion

Reverse mortgages can be a useful tool for homeowners who are 62 years old or older and have significant equity in their homes. However, the new rules put in place by the U.S. government in 2013 limit the amount of equity homeowners can access through reverse mortgage deals. It is essential for homeowners to understand the risks and benefits of a reverse mortgage before taking one out. By understanding the basics of reverse mortgages, homeowners can make informed decisions about their finances.


text: "I understand the concept of gender to be a system of socially ascribed roles and relationships between men and women, which are determined not by biology but by the social, political and economic context. Gender roles are learned and they can change over time. It is the analysis of these roles and relationships which shows the imbalances in power, wealth and workload between women and men, and it is this analysis which may then lead to the possibilities and necessity of change.". --Jan Seed. 2003 ETR Presentation - EDDI Proposal Examples. 2003 GAD Activities description in French. Checklist for Building Gender Equity into Project Design and Implementation. International Women's Day Activities. Gender and Development Links. Meet a GMC participant. How to become involved. Counterpart Spotlight

textbook:
**Lesson: Introduction to Gender Analysis**

**Objective:** To introduce the concept of gender analysis and its importance in understanding the social, political, and economic context of gender roles and relationships.

**Introduction:** Gender analysis is the process of examining the ways in which gender intersects with other aspects of society, such as race, class, and age. This analysis helps us understand the imbalances in power, wealth, and workload between women and men, and how these imbalances affect our lives.

**Section 1: What is Gender Analysis?**

**Topic 1.1: Definition of Gender Analysis:** Gender analysis is the process of examining how gender intersects with other aspects of society, such as race, class, and age. It involves looking at the ways in which gender roles and relationships are shaped by social, political, and economic factors.

**Topic 1.2: Importance of Gender Analysis:** Understanding gender analysis is important because it helps us understand the ways in which gender intersects with other aspects of society. By examining the ways in which gender intersects with other aspects of society, we can begin to identify the ways in which gender imbalances affect our lives.

**Section 2: How to Conduct a Gender Analysis**

**Topic 2.1: Steps to Conduct a Gender Analysis:** There are several steps to conducting a gender analysis, including:

1. Identifying the social, political, and economic context in which gender intersects with other aspects of society.
2. Collecting data on gender roles and relationships.
3. Analyzing the data to identify patterns and trends.
4. Identifying the ways in which gender imbalances affect our lives.
5. Developing strategies to address gender imbalances.

**Topic 2.2: Tools for Conducting a Gender Analysis:** There are several tools that can be used to conduct a gender analysis, including:

1. Gender analysis checklists.
2. Gender analysis frameworks.
3. Gender analysis questionnaires.
4. Gender analysis case studies.

**Section 3: Applying Gender Analysis to Real-World Scenarios**

**Topic 3.1: Example of Gender Analysis in Action:** A gender analysis can be applied to many different scenarios, including:

1. Workplace dynamics.
2. Education systems.
3. Healthcare policies.
4. Political campaigns.

**Topic 3.2: Practical Examples:** Here are some practical examples of how gender analysis can be applied to real-world scenarios:

1. In the workplace, a gender analysis could reveal that women are often given lower-paying, less prestigious jobs than men, even when they have the same qualifications and experience.
2. In education systems, a gender analysis could reveal that girls are often discouraged from pursuing careers in science, technology, engineering, and mathematics (STEM) fields, even though they perform just as well as boys in these subjects.
3. In healthcare policies, a gender analysis could reveal that women are often excluded from clinical trials, which means that treatments may not be tailored to their specific needs.
4. In political campaigns, a gender analysis could reveal that women are often portrayed in a negative light by the media, which can affect their chances of being elected to office.

**Conclusion:** Gender analysis is an important tool for understanding the ways in which gender intersects with other aspects of society. By conducting a gender analysis, we can identify the ways in which gender imbalances affect our lives and develop strategies to address them.

**Glossary:**
- Gender: The socially constructed roles and relationships between men and women, which are determined by social, political, and economic contexts.
- Gender analysis: The process of examining the ways in which gender intersects with other aspects of society, such as race, class, and age.
- Gender imbalances: The unequal distribution of power, wealth, and workload between women and men.
- Intersectionality: The idea that gender intersects with other aspects of society, such as race, class, and age, and that these intersections create unique experiences and challenges for individuals.


text: Congrats to the Moultrie County Corrections unit on the settlement of their most recent contract! The contract is for three (3) years and involved an increase in compensatory time for all members, and an increase in pay for the LEADS Coordinator and Sergeant positions. In addition, the unit will receive a 9% wage increase over the term of the contract and were able to increase the amount of their longevity steps. The unit did agree to a bi-furcated holiday compensation package between current and future employees. Further, the unit also conceded a PTI Reimbursement section for future employees who leave prior to two (2) years of service. The negotiations team of Jeremy Jean and Ashley Beck were assisted by Field Representative Dan Bailey.

textbook:
## Lesson: Contract Negotiation for Labor Unions
### Introduction
In this lesson, we will learn about contract negotiation for labor unions. We will cover the following topics:
- What is a labor union?
- Why do labor unions need to negotiate contracts?
- What are the key components of a contract?
- How is a contract negotiated?
- What are some tips for successful contract negotiation?
### What is a labor union?
A labor union is an organization that represents workers in negotiations with employers over wages, hours, and working conditions. Labor unions are formed to protect the rights and interests of workers, and to improve their overall working conditions.
### Why do labor unions need to negotiate contracts?
Labor unions need to negotiate contracts because they represent the interests of their members in the workplace. A contract outlines the rights and responsibilities of both the employer and the employee, and ensures that both parties are treated fairly. Negotiating a contract also helps to prevent disputes and conflicts in the workplace.
### What are the key components of a contract?
The key components of a contract include wages, hours, working conditions, benefits, and grievance procedures. These components are negotiated between the labor union and the employer, and are designed to protect the rights and interests of the workers.
### How is a contract negotiated?
Contract negotiation is a complex process that involves several rounds of discussion and negotiation between the labor union and the employer. The process typically begins with the presentation of a proposal by the union, followed by counter-proposals from the employer. Both parties must work together to reach a mutually acceptable agreement.
### What are some tips for successful contract negotiation?
- Be prepared: Before entering into contract negotiations, it is essential to do your research and prepare a strong proposal that reflects the needs and interests of your members.
- Communicate clearly: Ensure that all parties involved in the negotiation process understand the key components of the contract and are on the same page.
- Be flexible: Be open to compromise and be willing to make concessions where necessary to reach an agreement.
- Stay focused: Keep the main goals of the negotiation in mind, and don't get sidetracked by minor issues.
- Build relationships: Develop positive relationships with the employer and other stakeholders involved in the negotiation process. This can help to create a more collaborative and productive environment.
### Conclusion
In conclusion, contract negotiation is a crucial process for labor unions, as it allows them to protect the rights and interests of their members. By understanding the key components of a contract and following the tips outlined above, labor unions can successfully negotiate contracts that benefit both the workers and the employer.


text:
Question of the Day

Have you been impacted by the government shutdown?

Revolted by the grisly seizure of a Russian schoolhouse by Islamic terrorists, Arab and Muslim leaders have become increasingly critical of terrorism committed in the name of their faith.

Long criticized for failing to speak out against the militant extremists in their ranks, Muslim clerics, politicians and intellectuals around the world have condemned the terrorist strike in Beslan, Russia, in which more than 170 children were among the victims.

“The sense of outrage is very strong, especially when the terrorists claim to be acting in the name of your religion,” said Radwan Masmoudi, president of the Washington-based Center for the Study of Islam and Democracy.

“Muslims, in general, have some sympathy for the plight of the Chechens, but the size of this attack and the targeting of children is against everything Islam stands for,” he said.

Both the Arab League and the 56-nation Organization of Islamic Conference condemned the Beslan attack. Sheik Muhammad Sayyid Tantawi of Egypt’s Al-Azhar University, a leading religious authority among Sunni Muslims worldwide, said the attack could not be justified.

“Terrorists are taking Islam as a cover, and it is a deceptive cover,” Sheik Tantawi told the Turkish newspaper Zaman. “Those who carry out the kidnappings are criminals, not Muslims.”

The negative reaction has not been unanimous.

Many Muslims still argue that the government of Russian President Vladimir Putin brought the Beslan tragedy upon itself by its brutal campaign in Chechnya.

At least 338 hostages died in the early September taking of the school in southern Russia, which the government has blamed on Islamic militants from Chechnya.

Azizuddin El-Kaissouni, writing on an Islamic Web site, Islam Online, said reports that Mr. Putin has accepted advice from Israeli anti-terrorist experts have only fueled resentment over what Muslims call “genocide” in Chechnya.

“It is tragic that it takes the deaths of 300 innocents to make the world pay attention to the death of 200,000 innocents,” he wrote. “The international media’s fickle, cynical coverage has made the Chechens’ cries worth noting only if they come drenched in Russian blood.”

But, editorials in state-owned press outlets across the Arab world condemned the Beslan hostage seizure in distinct contrast to the often-muted tone adopted toward anti-U.S. and anti-Israeli terrorism in the region.

Egypt’s official government daily Al-Ahram called Beslan “an ugly crime against humanity.”

“It is impossible that those who carried out the operation had a legitimate problem or that they acted out of religious belief,” the paper said.

Several commentators focused more on the fact that the bloodshed in Beslan reflected badly on Islam than on the human tragedy.

Abd al-Rahman al-Rashed, former editor of Al-Sharq Al-Awsat, the influential Arabic daily published in London, said in a widely noted editorial that the violent tactics of Islamist extremists — from Iraq and Indonesia to Russia and Sudan — were tarnishing all believers.

“Obviously, not all Muslims are terrorists; but, regrettably, the majority of the terrorists in the world are Muslims,” he wrote.

“What a terrible record. Does this not say something about us, about our society and our culture?”

Writing in the Saudi government daily Okaz, columnist Khaled Hamad al-Suleiman said violent Islamic extremists “succeeded in the span of a few years in distorting the image of Islam, while the enemies of Islam did not succeed in doing this in the course of hundreds of years.”

“The time has come for Muslims to be the first to come out against those interested in abducting Islam in the same way they abducted innocent children,” he said.

Sa’ad bin Tefla, former Kuwaiti information minister, argued in Al-Sharq Al-Awsat late last week that moderate Muslim silence in the face of Osama bin Laden’s global terror campaign helped prepare the ground for incidents such as Beslan.

“With our equivocal stance on bin Laden, we from the very start left the world with the impression that we are all bin Laden,” he said.

In Indonesia, polls in the world’s largest Muslim country say militant Islamic parties have been hurt badly in the run-up to next week’s elections by a series of terrorist attacks, including the Sept. 9 car bombing outside the Australian Embassy in Jakarta that killed 11 bystanders.

textbook:
Lesson: Understanding Government Shutdowns

Introduction:
A government shutdown occurs when the government fails to provide essential services due to lack of funds. This can happen when there is a disagreement between the legislative and executive branches of government over the budget. In this lesson, we will learn about the causes and consequences of government shutdowns, and how they can impact individuals and communities.

Section 1: Causes of Government Shutdowns

Question: What are the main reasons why a government shutdown might occur?
Answer: Government shutdowns typically occur when there is a disagreement between the legislative and executive branches of government over the budget. This usually happens when Congress fails to pass a budget or when the President vetoes a bill that has been passed by Congress. Other reasons can include disputes over policy issues or disagreements over funding for specific programs.

Section 2: Consequences of Government Shutdowns

Question: What are some of the consequences of a government shutdown?
Answer: A government shutdown can have significant consequences for individuals and communities. Some of these consequences include:

- Loss of income for federal employees who are furloughed or laid off
- Delay or cancellation of government services and benefits, such as Social Security checks or veterans' benefits
- Closure of national parks and monuments, which can impact tourism and local businesses
- Disruption of research and other scientific activities funded by the government
- Delay or cancellation of government-funded medical research and clinical trials
- Increased risk of fraud and mismanagement of government resources during the shutdown

Section 3: Impact on Individuals and Communities

Question: How can a government shutdown impact individuals and communities?
Answer: A government shutdown can have far-reaching consequences for individuals and communities. For example, if national parks are closed, this can impact tourism businesses in nearby communities. If Social Security checks are delayed, this can have a significant impact on low-income individuals who rely on this income to meet basic needs. Additionally, if government-funded research projects are disrupted, this can delay scientific progress and potentially harm public health.

Conclusion:
In conclusion, government shutdowns can have significant consequences for individuals and communities. By understanding the causes and consequences of government shutdowns, we can better prepare for potential disruptions and advocate for responsible government funding decisions.

Glossary:
- Government shutdown: A temporary cessation of government operations due to lack of funds
- Budget: A plan that outlines government spending and revenue for a specific period of time
- Furlough: A temporary layoff of government employees
- Veto: To reject a bill passed by Congress
- Fraud: Intentional deception to gain an unfair advantage or to deprive another of their rights


text: Newborn Baby & Family Photographer - Wimbledon. I had photographed this family when their eldest boy was a newborn baby, he now had a little sister and, as before, we did the photo shoot at their home in Wimbledon.. We began the session with some family photos. With toddlers, you don't often get much time before they lose interest, so I usually get the family and sibling photos done first of all.. We then focussed on getting photos of the baby girl with mummy and daddy.. We then captured natural photos of this newborn baby and some close up details.. We finished with some relaxed photos in the sitting room.. Newborn Baby, Children's & Family Photographer - Wimbledon, South West London, SW20

textbook:
Lesson: Introduction to Photography

### Section 1: Theoretical Concepts

Photography is the art of capturing light and turning it into an image. It involves using a camera to record what we see and preserve memories. A photographer is someone who takes pictures using a camera. There are different types of photography, such as landscape, portrait, wildlife, and sports photography. In this lesson, we will learn about newborn baby and family photography.

### Section 2: Practical Examples

Newborn baby and family photography involves taking pictures of a family with their newborn baby. The photographer usually goes to the family's home to make them feel more comfortable. They capture different moments, such as the family together, the parents with their newborn baby, and close-up details of the baby.

Let's take an example: Imagine that a family has just welcomed a newborn baby girl. The photographer goes to their home in Wimbledon to take pictures. They begin by taking family photos, as the parents and older brother are excited to show off their new sister. Then, they focus on capturing the baby girl with her parents. Finally, they take some relaxed photos of the family in their sitting room.

### Section 3: Real-World Scenarios

In this section, we will analyze the different shots taken during the photo shoot. For example, the photographer may have taken a wide shot of the whole family, a medium shot of the parents with the baby, and a close-up shot of the baby's hands or feet. They may have also taken some candid shots of the baby sleeping or the family playing together.

### Glossary

- Camera: A device that records images by capturing light and storing it electronically or chemically.
- Photographer: A person who takes pictures using a camera.
- Type of photography: Different styles of photography, such as landscape, portrait, wildlife, and sports photography.
- Newborn baby and family photography: A type of photography that captures moments between a family and their newborn baby.

### Conclusion

Photography is a fun and creative way to capture memories and preserve them for future generations. In this lesson, we learned about newborn baby and family photography and how it involves taking pictures of a family with their newborn baby. We explored the different types of shots taken during a photo shoot and analyzed the real-world scenarios. By understanding the theoretical concepts and practical examples, we can apply these skills to other types of photography.


text: Here’s a simple truth for all the skeptics, the people who have never watched a ballet and have no intention to, or those who went to “The Nutcracker” once and checked it off their list of things to never do again:. Ballet is more than layers of tulle and satin shoes. It’s ripples of muscle, explosive athleticism and inexplicably moving stories.

textbook:
Lesson: The Beauty and Power of Ballet

Introduction:
Ballet is a form of dance that has been around for centuries. It is a beautiful art form that combines grace, athleticism, and storytelling. In this lesson, we will explore the beauty and power of ballet. We will learn about its history, techniques, and the emotions it evokes.

Section 1: History of Ballet
- Ballet originated in the Italian Renaissance courts of the 15th century.
- It was later developed into a concert dance in France and Russia.
- Ballet spread throughout Europe and eventually made its way to the United States.

Section 2: Techniques of Ballet
- Ballet consists of five basic techniques: plié, relevé, tendu, developpé, and grand battement.
- Plié is the bending of the knee.
- Relevé is the rising onto the toes.
- Tendu is stretching the leg without lifting the foot off the ground.
- Developpé is extending the leg out to the side.
- Grand battement is a big beat of the leg.

Section 3: Emotions Evoked by Ballet
- Ballet can evoke a range of emotions, including joy, sadness, and anger.
- The music, costumes, and choreography all play a role in creating these emotions.
- The dancers' movements also add to the emotional experience.

Section 4: The Power of Ballet
- Ballet is a powerful art form that can inspire and move people.
- It showcases the beauty of the human body and the emotions it can express.
- Ballet can also tell stories that resonate with audiences.

Conclusion:
In conclusion, ballet is a beautiful and powerful art form that combines grace, athleticism, and storytelling. It has a rich history and is enjoyed by millions of people around the world. By studying ballet, we can appreciate its beauty and power and apply these skills to other areas of our lives.

Glossary:
- Plié: A technique in ballet where the dancer bends their knee.
- Relevé: A technique in ballet where the dancer rises onto their toes.
- Tendu: A technique in ballet where the dancer stretches their leg without lifting their foot off the ground.
- Developpé: A technique in ballet where the dancer extends their leg out to the side.
- Grand battement: A technique in ballet where the dancer beats their leg in a big motion.


text:
---
abstract: 'Current approaches for activity recognition often ignore constraints on computational resources: 1) they rely on extensive feature computation to obtain rich descriptors on all frames, and 2) they assume batch-mode access to the entire test video at once. We propose a new *active* approach to activity recognition that prioritizes “what to compute when" in order to make timely predictions. The main idea is to learn a policy that dynamically schedules the sequence of features to compute on selected frames of a given test video. In contrast to traditional static feature selection, our approach continually re-prioritizes computation based on the accumulated history of observations and accounts for the transience of those observations in ongoing video. We develop variants to handle both the batch and streaming settings. On two challenging datasets, our method provides significantly better accuracy than alternative techniques for a wide range of computational budgets.'
author:
-
bibliography:
- 'videorecognition.bib'
title: |
    Leaving Some Stones Unturned:\
    Dynamic Feature Prioritization\
    for Activity Detection in Streaming Video
---

Introduction
============

Related Work
============

Approach
========

Experiment
==========

Conclusions
===========

Acknowledgements {#acknowledgements .unnumbered}
================

This research is supported in part by ONR PECASE N00014-15-1-2291 and a gift from Intel.

textbook:
# Lesson: Active Learning for Activity Recognition
## Introduction
In this lesson, we will learn about active learning, a machine learning technique that allows us to selectively choose which data to label and train our models on. This approach can save time and resources by only labeling the most informative data points. We will apply this concept to activity recognition, where we want to identify patterns of movement in a video.
## Active Learning for Activity Recognition
Active learning involves selecting the most informative data points to label and train our models on. In the context of activity recognition, we can use active learning to selectively label frames from a video that are most likely to contain relevant activity. This can save time and computational resources, as we do not need to label every frame in the video.
To implement active learning for activity recognition, we need to define a policy that selects the most informative frames to label. This policy can be based on a variety of factors, such as the likelihood of the frame containing activity or the amount of information that would be gained by labeling the frame.
Once we have defined our policy, we can apply it to a video and selectively label frames that are most likely to contain relevant activity. We can then use these labeled frames to train our activity recognition model.
### Example
Let's say we have a video of someone playing tennis. We want to use this video to train an activity recognition model that can identify when someone is playing tennis.
Using active learning, we can selectively label frames from the video that are most likely to contain relevant activity. For example, we might label frames that show someone swinging a racquet or running towards a ball.
We can then use these labeled frames to train our activity recognition model. Once the model has been trained, it can be used to identify tennis activity in other videos.
## Conclusion
In this lesson, we learned about active learning for activity recognition. We saw how this approach can be used to selectively label frames from a video that are most likely to contain relevant activity. This can save time and computational resources, as we do not need to label every frame in the video. We also saw an example of how active learning can be applied to activity recognition.