text: AEGON Religare Life Insurance Company Limited (ARLI) is a provider of insurance services that was established in July 2008 with the collaboration of Three companies AEGON, Religare & Bennett and Coleman & company. The company provides many plans for the customers such as Health Insurance Plans, Term Insurance Plans, Savings Plans, Child Plans and many others. It has many offices in different areas to serve the customers. The company has its headquarters located in Mumbai, India. The customers can also purchase insurance plans on-line from its official web site. The company helps to process the claims of customers in minimum time after reporting. The Aegon Religare provides many ways for the customers to pay their premium such as pay at banks, pay via phone, on-line payment, pay at Aegon Religare branch and many others. The registered customers can also renew their insurance plans on-line by accessing its own account. The forms and products brochures for the customers are also available on its web site.


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Television star Holly Willoughby has shared a rare snap of her daughter, Belle, 8, on Instagram to celebrate International Women's Day.
The This Morning presenter, 39, posted a picture of Belle watching a beautiful sunset beachside to her some 6.4 million followers.
Read more: Holly Willoughby 'brightens up day' of viewers with cheerful outfit
Holly chooses to keep all three of her children's faces from public view, and this picture shows Belle looking away from the camera.
Encouraging her daughter to be brave and bold in this world, she also gushed over how 'inspiring' she already found her.
She captioned the photo with: "Take those dreams little Belle and know things are changing... An equal world is a more enabled world... It's all in your grasp...
An equal world is a more enabled world
"I am inspired by the girl I watch grow everyday and am honoured to guide you and support you as you become the amazing woman I know you will be... #internationalwomensday #iwd2020 #eachforequal #women".
Read more: Holly Willoughby shares intimate snap as she promotes bedding range
Many of Holly's fans praised her wise words in the comments and several said they believe her to be a fantastic mother and influence on her young children.
One wrote: "She's already had the best start Mummy your guidance love and wisdom, she's a lucky little girl."
Another enthused: "Beautiful words for a beautiful and inspirational woman Holly. Your daughter will most definitely be a force to reckon with as she grows. Well done to you."
A third praised: "Absolutely love your message Holly! As a mum and teacher to teenagers I couldn't have said it better. I also have a 9 year old Ella who teaches me everyday."
Read more: Holly Willoughby uses Instagram to find daughter's beloved toy
And a fourth posted: "That's cute, guide our future women."
Holly shares Belle with her husband Dan Baldwin. They also shares sons Harry, ten, and Chester, five, together.
She married production company owner Dan in 2007 and the family reside in south London.
Typically keeping her family life fairly private, she has spoken about the trials and tribulations of motherhood on just a few occasions.
Earlier this year she spoke to Closer magazine about the fear of mum-shaming and the "mummy brigade".
She told the mag: "I don't think women can win. Working mums and stay-at-home mums get a tough time.
"You're damned if you do and damned if you don't. You just have to do what's right for you and not listen to what the mummy brigade say."
What do you think of Holly's tribute to her daughter? Share your thoughts with us on our Facebook page @EntertainmentDailyUK.

subset: commoncrawl


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Current Conforming Loan Limits. On November 27, 2018 the federal housing finance agency (FHFA) raised the 2019 conforming loan limit on single family homes from $453,100 to $484,350 – an increase of $31,250 or 6.9%. That rate is the baseline limit for areas of the country where homes are fairly affordable.
Official News From FHFA – Conventional Loan Limit Increasing in 2018. The Federal Housing finance agency (fhfa) announced that the.
Conforming Conventional Loan Limit Increased. Posted on November 30, 2018. CHARLOTTE, NC – The Federal Housing Finance Agency (FHFA) recently.
On November 27, 2018 the Federal Housing Finance Agency (FHFA). The conforming loan limits also apply to other government-backed housing programs.
Conforming loan limits for 2019 Lending limits for conventional loans got a nice boost this year. They are up by nearly 7% since 2018 – for a dollar-amount increase of $31,000 – for the.
Unconventional Mortgage Options jumbo loan texas VA Jumbo Loan Limits, Rates and Guidelines for 2019. VA jumbo loans of any amount are available, and rates are low. Photo: Thinkstock. The standard VA loan limit is $484,350 in most areas of the country. But VA allows higher loan amounts of up to $726,525 in higher-cost counties.The Bankrate Daily. With a minimum down payment of 3.5 percent, the FHA is the low-down-payment option that's available to people with imperfect credit histories. The FHA charges an upfront premium of 1.75 percent of the mortgage amount. On a 30-year loan with the minimum down payment, there's an annual premium of 0.8 percent of the mortgage amount,Meaning Of Conforming This had emanated from two Supreme Court judgements in 1996 which extended the ambit of Forest Conservation Act, 1980 to all lands, conforming to the dictionary definition of forest, irrespective of.
PUBLISHED: November 29, 2018 at 12:00 pm | UPDATED: november. conforming loan limits generally run at one-eighth to one-quarter point lower in interest.
Limits for multiple-unit properties are fixed multiples of the 1-unit limits. The full set of county-level median price estimates for the year just prior to the loan-limits year are available in the downloadable mortgage limits dataset accessible via the link found at the bottom of this page.
This BLOG On FHFA Increases Conforming And High Balance Loan Limits For 2019 Was PUBLISHED On November 27th, 2018.
The national conforming limit is $484,350 for. In 181 counties, FHA's loan limits will remain the same. HUD's press release is available here. Mortgagee Letter 2018-11 (regarding 2019 Nationwide.
Additional limits exist for multi-unit properties. 2018 Conforming Loan Limits for San Diego County (Check out the 2017 loan limits). Fannie and.
0 Down On A House Which Of These Describes How A Fixed Rate Mortgage Works Why does student loan information appear more than once on the credit report?. credit clinics hundreds and even thousands of dollars to fix their credit report, but. credit report as a tradeline that describes your account status and activity.. by national consumer credit reporting agencies works quietly in the background,Some lenders will offer 0% down loans. Making a small down payment can trigger extra expenses, though.. and even house by house. MORE:.
Conforming Loan Limits. The national conforming loan limit for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limits 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S. Virgin Islands.
For the sake of simplicity, a "conforming mortgage" is a home loan with a loan amount up to $484,350 that also fits underwriting guidelines set forth by Fannie Mae and Freddie Mac. This maximum increased from $453,100 in 2018.. Conforming Loan Requirements. The loan must meet qualifying guidelines set by Fannie Mae or Freddie Mac


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The Theme of the Eclipse — Individual Level. It is the emotional reaction to the demands that are now beginning to appear. Pluto is conjunct the Moon in this eclipse. The Moon is in Capricorn, something that already makes her pragmatic and strict. Utilitarian and craving respect under the Pluto influence becomes obsessive or possessive, jealous or conspiring. Emotions are at a peak. This is a Full Moon. This is an Eclipse. A Full Moon that is shadowed temporarily, eclipsed, loosing its tenderness and warmth, as the light from the Sun in Cancer that in a sense was giving her, is now blocked.
Lunar Eclipse Local Timings
This will affect relations. Or this may be the start of an on-going emotional eclipse that will culminate in January with its end results in the summer of Moon is conjunct Saturn also. On top to the deep psychological examination that the conjunction with Pluto brings, heavy lies the burden of responsibilities. Work versus family life. This Venus — Saturn opposition reinforces the theme of detachment in our relationships but does not yet herald the split or the breaking up. It is the recognition of the stagnation, of the boundaries in affection and love.
I bring Sweden up as there have been rumblings of a possible civil war there due to many refugee centers being burnt down and a build-up of no-go zones that are unsafe even for the police to enter. I already covered Sweden in a past YouTube video, but it now seems the normally chilled Swedes have turned Viking. But when in doubt, blame those pesky Russians. Sweden then, is a very good example of some white swan cover-ups over some very dark agendas.
In the YouTube video version, I plan to look into more national charts and research Sweden to see what is really going on. Until then, keep an eye out for any deceptively romantic birds. For if the Swan clamps you with its beak, those elegant long necks can break the arm of a small child.
- virgo 2020 march tarot reading?
- horoscop zilnic scorpio cariera.
- Astrological Significance of the Eclipses.
Very much to do with this Eclipse. The real MeToo movement. Yes, misogynists in the western world are still misogynistic even though misogynists in other parts of the world also are misogynistic, they dont cancel each other out.
Goodbye and best of luck to you. Really enjoyed your astro context on this affecting Sweden. And yes I cannot understand why Em would think that only white men would be against a man-hierchy culture.. Too many people putting energy into social matters and totally missing the point of what is really going on in.
I would love to know if you use the Nick Campion book of world horoscopes to look at Nations and would love to know if you would consider doing more of this, and perhaps a series focusing on our Western countries over the next five years and their likelihood to be successful in an era where NATO is dying to get us into a suicidal war for the Wall St War Lords. Also about the coming mini ice age, global cooling and what nations may seem more luckier than others?
Why about immigration? Beacause honestly, those who seem most concerned about the immigrants are white, angry and misogynistic men. Do you think Sharia law helps women? There are many more women speaking out on YouTube. This is a disgrace! FGM is what feminists should be focusing on. Not the natural, Mars protective response of red-blooded fathers concerned for the future of their daughters. It is best to avoid undertaking anything which requires quickness, decisiveness and quick-wittedness. Sociability, cheerfulness and quick-wittedness are on the increase, and there is an interest in all kinds of information.
The Moon in Gemini favours study, intellectual pursuits, acquaintances, conferences and gatherings. However, heightened changeability and scattering your interests can prevent you from getting definite, tangible results. In the body the sign of Gemini is associated with lungs, upper airways, arms and hands, clavicles. Increased emotions, vulnerability and touchiness.
Your need for seclusion could become quite strong, and there is a desire to communicate only with those closest to you. It is not a good idea to deal with large groups of people, or to appear on stage.see
Every Important Astrological Event and Date You Need to Know in 12222
You may also want to care for others, or have others look after you. Emotional difficulties may also be an obstacle to business success. The desire to be noticeable, appreciated, and to feel you are the centre of other people's attention will be dominant.
There is a stronger than usual desire to hear praise, and your emotions will be expressed vividly and openly. This is a good time to perform and appear on stage, to play, create and do everything which inspires you and lets you express your inner self. However, your ability to perceive details and nuances could deteriorate at this time. Attention towards details is on the increase, with a tendency to fault-finding, cleanliness and neatness. It is a good time to undertake routine, painstaking work, and to search for and correct errors. Your body may be more intolerant of low-grade food and harmful substances, and this is a good day to begin a diet.
Increased sociability, interest in new acquaintances, a desire for mutual understanding. Partnerships are in focus. Good for social gatherings, celebrations, business meetings and a romantic rendezvous. However, your ability to make decisions suffers because people are more prone to doubts and hesitation now. An emotionally difficult time. There is increased jealousy, greediness, envy and other negative feelings.
- horoscope born january 2.
- Other Date Formats:.
- Page 26 – Astrostyle: Astrology and Daily, Weekly, Monthly Horoscopes by The AstroTwins.
The colours of the world turn black and white. Sexuality and sensuality go up and strong, powerful emotions run high, whilst diplomacy and tact will noticeably decline. However, it is a good time for any occupation which needs intensity and total devotion. Generosity, openness, optimism and the desire to give advice and share experience are all increased.
There is a heightened interest in travel and foreign countries, and any activities and recreations taking place in the open air. You may, however, be over-confident and may not have a good grasp of practicalities. It is a suitable time for large-scale plans but not for any occupations which require attention to detail. There is an increase in formality, strictness and exactitude, with a tendency to reserve and distance. Rules and regulations are dominant. It is a suitable time for all activities which require extra responsibility and discipline, but you shouldn't rely on someone's receptivity or emotional pliability.
There is an increased interest in knowledge, and a need to communicate with like-minded individuals. At the same time, your desire for freedom and independence is strengthened, and you will want to establish your own rules. It is a good period for reading, study and scientific pursuits. However, activities which require subordination and discipline, as well as jobs which bore you, will go from bad to worse now. This brings an increase of emotions and a receptivity to other peoples' feelings.
Blood Moon 2020
You will have a desire to be of help, and you may be willing to sacrifice something for the sake of others. Your emotions predominate over common sense, so it is better to do things which require imagination and inspiration, rather than reason and cool logic. Your body may be more responsive than usual to alcohol, drugs and medicines, so beware of overdoses. Poor quality food could also give you a touch of food poisoning.
Good for: Traveling, healing. Doing business. Taking care of hair and nails. Good for: Trade and finding treasures. Seeking favor from those in a position of authority. Sowing seeds. Traveling by land.
Lunar Eclipse of - Chandra Grahan date and time for New Delhi, NCT, India
Using fire, hunting. Good for: Art and creativity. Work and study. Business and commerce.


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Hapag-Lloyd Cruises Takes Delivery of 2nd Hanseatic Unit
- Business & Finance
Fincantieri's subsidiary Vard Holdings Limited delivered Hanseatic inspiration, the second ship in a new series of luxury expedition cruise vessels for Germany's Hapag-Lloyd Cruises.
With its close to 16,000 gross tons and 139 meters long, the newly built unit follows sister ship Hanseatic nature, delivered in April by Vard Langsten in Norway. The third vessel in the batch, Hanseatic spirit, is scheduled for completion in 2021.
Each ship is tailored to allow passengers to access remote regions, ranging from the Arctic and Antarctic to the Amazon.
Hanseatic inspiration features seven passenger decks, with 120 cabins accommodating a maximum of 230 passengers.
"The vessel, like the others of the series, mixes quality with environmental care alongside energy efficient hull design and technology," the shipbuilder said.
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Chiang Mai – family walks and temples
A delightful and easy train ride away from Bangkok, Chiang Mai is an easy destination to reach in northern Thailand. We spent 5 days in Chiang Mai. We did a could of longer walks and saw temples – lots and lots of temples!
Having just arrived from Cambodia,we were a little templed out. However, we enjoyed strolling through the streets of Chiang Mai and dipping in and out of the very colourful and ornate buildings. Most of them are free, but some have a small 20 or 50 bhat fee to enter.
The old city has city walls with a moat surrounding it. But as you'd expect from a large city there is a bit of hustle and bustle about the place. I enjoyed wandering around the back alleys and it's where you'll find the cheaper eats. Here's our recommendations in Chiang Mai.
How to get there from Bangkok?
The easiest way is to travel by train. We opted for the very modern and easy sleeper train (#9).
It departed from Bangkok at 6pm and arrived at 7am. Timing couldn't have been better. It was a very pleasant and comfortable journey.
We stayed in our seats and within an hour of leaving a gentleman came round to make up our beds!
Before long, we were all snuggled up and snoring. We were woken at 6am to start packing our belongings and to have our beds, by the same man, converted back to seats
Very efficient and seamless process.
For family travel, I much prefer trains – especially sleeper ones. We get a nights accommodation, the boys can wander freely or stretch out. Plus there are Western toilets on board. They were very clean and didn't smell. Quite a step up from the last time I travelled by sleeper train in Thailand!
If you prefer, there is an overnight bus. This is half the price, but isn't a sleeper bus and so not as comfortable as the train. But Thailand's roads are in better condition than most other SE Asia countries.
Alternatively, if you have less time then there area plenty of flights to the area! I always recommend you to check the safety record of any airlines you use. However, we like being Air Asia for those short hops!
Getting from Chiang Mai train station
Arriving at Chiang Mai train station we were greeted by lots of Songthaew drivers. Originally we were quoted 200 bhat but after walking away, we were approached with an offer of 160 bhat.
During the journey to our hostel we were asked several times about tours etc.. which we declined.
Where to stay?
We used booking.com to reserve a room at Mannee guest house. I picked this option as the accommodation came with a pool. We booked a 4 bed dorm room with private bathroom for 750 bhat a night (about £19).
It's an art to be able to arrive in a room and turn it into a bomb site in 10 seconds flat!!
The pool was also in great condition and big enough for the boys to cool off and relax in.
There was no restaurant on site, but that didn't matter as there's lots of eateries nearby offering delicious Thai food at a reasonable price. They do offer laundry service for 40 bhat a kilo (£1). They even give hugs when you leave 🤗
Where to eat
As I mentioned there are a lot of eateries. The cheaper options tend to be found down the alleyways, rather than on the main roads. I find it difficult to find the places to eat as there was just so much choice!!
Actually I was surprised at how much Western food was on offer her, but it just goes to show how many tourists visit this area.
Here's a few places we visited:
Lucky too
We visited here on 2 occasions. The first was for breakfast. Coffee was ok and the boys ordered pancakes which were huge! They were very tasty too
Second time we visited was for dinner. There was a varied Thai menu from 60 bhats upwards and we could order meals with no spice for the boys. There were a few Western options on here, but we only are Thai food.
By hand pizza
Exactly what it says. This menu was pizza only made in a word fired oven. The pizza base was fresh, thin crust and very good. But it was expensive!! Margherita pizza was 170 bhat. But we were all craving one after a few weeks of rice and noodles!
It was directly next to our guesthouse too, so when we had travelled back from Chiang Rai we stopped here.
Night bazaar food court
One night we headed to the night bazaar based outside the old city. There are market stalls everywhere and a number of food courts. We went to the one near the Friday morning market.
There was a good variety of dishes from Thai, Chinese, Indian and even kebabs. Choices for everyone and cheap too. We all had a dish for around 50 or 60 bhat.
It was an ok stop; the prices were a little more than some of the other places we stopped. The food was nice, but then again we were starving by the time we got there!
My only complaint was that it was a bit dark and warm. The fans didn't do much to cool us off that much!
Lam Chang temple
Within the grounds of this temple was a small restaurant. But a number of locals visited. The dishes here were only 40 bhat. We had the khao soi (local Thai dish that you must try!! ) and also had pork and basil with rice. Both were delicious!!
A number of times we just grabbed a toasted sandwich or microwave meal from the 7-eleven. I think we're just getting sick of eating out every meal!
Only on our last day did we find more tasty looking eateries on the north east side of the old city! Streets lined with coffee shops & restaurants. Head here if you looking for alternate +or some nice vegetarian) choices.
Things to do
Chiang Mai has so many activists. But I do wonder if it hasn't forgotten it's roots! The mountains and the hills around this area are amazing for exploring!
However, when we first arrived the most we saw advertised were Tiger or snake shows, elephant sanctuaries, ziplines and night safaris! These really went what we came here to see. However, having just voted Angkor wat we weren't really in the mood for more temples either!
Still, our first day we went out exploring:
Walking around the old city
I really liked walked around the old city. It was easy to get around and there were little markets and Wats on nearly every corner!
But the best areas for me were the alleyways with the little shops and restaurants.
Exploring Chiang Mai's Wats
There are soooo many of them. Most of which aren't mentioned in the guides because you can't possibly visit all of them!
So here are the ones we visited:
Wat buppharam
We saw this one at nighttime, although didn't go inside. It was while we were on our way back from the night bazaar. At night time it was lit up beautifully
Wat prah Singh
A very colourful group of temples including a large golden one with elephants. The main temple was 20 bhat for adults and housed a large Golden Buddha.
As you walked inside there was a set of monks sitting and meditation. Or that's what I thought! In fact they were wax works (very good ones I might add). It took us a while to realise it!!
But I particularly liked the grounds playing soft music. I find that I just sat and enjoyed some people watching while the boys went off to take photos!
Wat Prasat
As it was round the corner from Wat Prah Singh we popped in. It was a much older and less colourful wat. But I'm sure each has its own story to tell!
There are so many more, some smaller, some bigger. We visited the ones that were on our walking route, it's the best way to see the old city!
Monks walking trail
Surprisingly this wasn't a well known path amongst tourists or locals! I guess hill walking isn't on the agenda for most tourists. But I'm glad we did it. I researched the route beforehand and fell upon this great (detailed) blog about the walk! We started at 9am, but if recommend earlier if you can.
Ensure you have closed toe shoes for this route. It's not appropriate for walking sandals and definer not flip flops!
We arrived at Wat pha lat within 45 minutes. It was a nice ascent with don't uphill section but not overly challenging. We met only 1 or 2 other walkers coming down.
We arrived at the temple and took a rest and enjoyed the needful views and ornate statues. After about 30 minutes we decided we still had energy so we decided to continue up the steeper path to Doi suthep. To reach this part of the walk we had to continue to and walk on the road for about 5 minutes. If recommend you use OsandM offline maps. It shows the route and is easy to follow.
This section was definitely more challenging, but not impossible. It was dry when we walked and so it wasn't too muddy, but I can imagine after rains it can get slippy.
I kept the boys occupied by talking about their favourite subject, online games 🙈. It meant they were walking without even thinking! Plus I had a lollipop to keep them going.
Soon we made it to the top – I was red faced and sweating buckets. But it was worth it. We had reached the top!!
Doi Suthep
There was a gold temple at the top and impressive views over Chiang Mai. There's just the small matter of 306 steep steps, which is nothing, but after you've walked the monks trail they were pretty tough!! There was no way we weren't going to continue to the view point!
But even though we were shattered we still didn't get the funicular / cable car up. Even if it was only 50 bhat!
We also decided not to pay 50 bhat each to enter the temple. But instead wandered around the grounds and to the photo spot with bright red faces!
Doi inthanon
A fantastic national park with waterfalls, walking trails and temples for you to see. Most people just take a long day tour to the area, but we decided to hire a car and stay overnight in the area. I'll explain how we hired a car and how we got on with driving in Thailand here.
I'll be creating a blog post shortly about our day at Doi Inthanon national park.
I visited Chiang Mai 20 years ago after doing a 2 day hill tribe trek. It wasn't our most amazing experience as we didn't stay for long enough. We also hadn't come prepared for the weather!
Luckily, this time was much better and I really enjoyed Chiang Mai. It's quite touristy though and much of the 'activities' on offer, I felt, were aimed at holiday makers. There was hardly any mention of trekking in the area or walks. But Thai boxing seems to be the big thing here!
If you are a budget traveller it's easy to find those freebie activities of you dig a little deeper!


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Take a look at Kenya, fellow Africans, and tremble.
Take a look at the post-election upheavals, the atavistic violence in what has for long been the so called island of stability in a volatile region and tremble in deepest fear. And tremble not just for our Kenyan brothers and sisters, but for every one of us in this region of Sub-Saharan Africa.
Fear much because that violence you see on TV screens, those mobs you see burning houses and brandishing machetes and cutting up their neighbors and burning them in a church, those desperate people fleeing the violence, the internally displaced living in squalid conditions in stadiums.
That, I hate to say, is exactly the outcome of multi-party elections in Africa as conducted the way our Western friends from America and Europe proscribe.
Granted, every now and then you will hear of a peaceful, free and fair poll in some region of Africa, say Senegal (some years back). Or Ghana. Or Sierra Leone. Or Rwanda in 2003.
But these countries are the exception, the aberration and even there, we should constantly remember, there is no guarantee that the populace will always vote in new leaders peacefully (Mwai Kibaki after all was voted into office peacefully only five years back, but see what has happened the next time a national poll took place in Kenya).
It is high time we realized this: the logical conclusion of a democratic election in a Sub-Saharan country (democratic in that the candidate who wins an election is one the majority voted for) is violence; violence of the kind we have seen in Kenya.
Here I am not tapping into the worst stereotype of Africans as a people prone to mindless barbarity and incapable of conducting their governance matters in orderly ways.
What I mean is that we should revolt against Western-style democracy – something that we should have done the moment we became free of European colonialism those five decades ago – because that kind of democracy clearly cannot work in Africa.
I know, this may sound like a crazy, revolutionary idea, but I request you, do not dismiss it out of hand. It is high time we revolted against polling stations and voting booths and ballot boxes and the whole paraphernalia of the secret vote for a simple reason: these things aren't home-grown and so cannot work on this continent – as the Banyarwanda pithily observed long ago, ingendo y'undi iravuna (you get crippled when you attenpt another person's walking style).
To repeat myself, Africa's leadership at independence should have taken one look at the models of government the departing colonial masters were bequeathing them and jettisoned most of them.
Unfortunately, too often these leaders were only too happy to carry on where the colonialists had left, replacing one form of tyranny with another, with one notable exception: the tyranny of post-independence African leadership was often worse than colonialism.
It all began (in case you've missed out on the history) with the Pandora's box of problems opened with the infamous "scramble for Africa" of the late 19th Century when European powers – Germany, England, France, Portugal – greedily and arbitrarily carved out this continent into colonies with no regard to whether these would ever become viable states on their own, and with totally no consideration of boundaries dividing native ethnic groups.
Africa's singular misfortune is that – with possible exceptions like the late Julius Nyerere of Tanzania or former Botswana President Ketumire Masire – too many post-independence leaders, to put it mildly, have simply not been up to the task. Actually some were just terrible.
Too often these men, Mobutu Sese Seko and his bosom friends Juvenal Habyarimana, Idi Amin and Jean Bedel Bokassa, Kwame Nkrumah (yes, Kwame Nkrumah), Sangare Tombalbaye, Milton Obote, rebel chiefs like Jonas Savimbi, Odumegwu Ojukwu and many, many others were corrupt, incompetent, barbaric, venal tribal chiefs who rendered the very idea of an African state questionable.
Yes, most of them were products of the colonial system that elevated them to power. They held multi-party elections, but of course rigged the vote at will.
"Institutional checks and balances" such as the judiciary or the electoral commissions most often were staffed by people solely beholden to the executive, not the electorate. So they couldn't work. Even the forces of law and order were loyal only to state house, because that is where their meal ticket came from – not from the general populace, as is the case in the West.
But we cannot blame colonialism for our problems for ever.
What we can do is take our destiny into our own hands by doing away with the colonial (or neo-colonial) way of doing things. It's possible. We can reform our institutions to reflect the reality of our societies and to suit our needs.
This is the enormous challenge today's crop of African leaders faces. In Rwanda one can sense that the leadership is taking this bull by the horns.
There is something new, something original for instance in the idea of a forum of political parties where all political entities are represented, hold discussions and come up with a common position on how to solve social problems (including, in the future, how to choose new leaders).
The Forum of Political Parties is an idea that has faced opposition right from the word go (yes, even this writer added his voice to the opponents).
But upon reflection, you may want to ask yourself:
What better way forward is there for a country like this where the vast majority of citizens are extremely poor people who were for years inculcated with propaganda that all their problems are caused by the other ethnic group? Is it multi party politics like they practice it in Europe or America, or Kenya? Certainly not.
By thinking up the idea of the Forum of Political Parties and instituting it, Rwanda's leadership may be onto something that most of Africa might as well consider for study, or even emulate, some time from now.


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Long Sleeve Ruffle Blouse
$1,015.00 $1,450.00
Our Take On It
Lightweight, dreamy and romantic, this top lets you show your soft side in a pale arctic ice shade and delicate details. Pleating and feminine ruffles merge at the top of this blouse for maximum visibility (because you always want to get noticed). Wear this piece at the office tucked into a pencil skirt or out with friends during the weekend with casual bottoms. This one is for the free spirits out there.
The Details (Are Everything)
- 100% Silk
- Button-front closure
- Dry clean
- Made in Madagascar
The Fit
- Model wears a size 36
- Model measures: Height 5'10", Waist 27", Chest 32", Hips 37"
Designer SKU: CHC20SHT69004
A.K. Rikk's PLU: 320920743


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Regular price £2.99
Shipping calculated at checkout.
A Funny Birthday Card by Twisted Gifts.
Just remember the reason you are lonely is because there is no US in CUNT, only U
A delightful way to celebrate the birthday of someone that you want to make sure knows how you feel about them in no uncertain terms !!


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Sydney, with its stunning harbour, complete with a backdrop of the Opera House and bridge, provides the perfect setting for any first-time visit to Australia. Enjoy an experience of a lifetime with 4 nights at the five star Intercontinental hotel in the heart of Sydney by the iconic Opera House and Harbour Bridge. Enjoy a day tour to the scenic Blue Mountains where you can spot the local wildlife.
As one of the world's most liveable cities - with parklands, trendy eateries, a passionate sports culture and links to an interesting history - Melbourne is an absolute treasure to explore. Take the tram out to St Kilda, one of many beaches close to the city, or visit Phillip Island to see the local penguins.
Explore the Great Ocean Road, one of the most scenic coastal drives in the world, with mile upon mile of stunning coastline and the majestic Twelve Apostles.
Tasmania has a natural wilderness and colonial legacy that has been superbly preserved. The island state offers an astonishingly diverse geography, from alpine waterfalls and dense rainforests of Cradle Mountain, to the beautiful Freycinet Peninsula. A fifth of the island is designated as World Heritage Sites, protecting the native habitats of echidnas, kangaroos and the Tasmanian devils.
- 4 nights 5* Intercontinental Hotel, Sydney
- Blue Mountains High Country Tour
- 3 nights 4* Rendezvous Hotel, Melbourne
- Great Ocean Road Day Tour
- 10 Day Tasmania Grand Circle self-drive
- Return International Flights
- Selected travel Oct 20


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NITI Aayog on Thursday said it had collaborated with actor Sushant Singh Rajput for promoting two major initiatives of NITI Aayog, the promotion of BHIM and the Women Entrepreneurship Platform.
.@NITIAayog and @itsSSR have decided to collaborate towards promoting two major initiatives of NITI Aayog, promotion of BHIM and the Women Entrepreneurship Platformhttps://t.co/sjHMjck8sa— PIB India (@PIB_India) May 24, 2018
A statement from NITI Aayog reads, "As part of its larger mandate to promote digital payments across the country, the NITI Aayog has been successfully driving the digital payments campaign in India, wherein it collaborates with youth leaders and public figures to promote the cashless payment systems across the country."
BHIM (Bharat Interface for Money) was launched by Prime Minister Narendra Modi at the Digi Dhan Mela in December 2016, weeks after demonetisation in order to make digital payments easier.
The Women Entrepreneurship Platform was launched by NITI Aayog on International Women's Day with an aim to provide a vibrant entrepreneurial ecosystem where women do not face any gender-based barriers. The platform aspires to substantially increase the number of women entrepreneurs who will create and empower a dynamic New India.
Read: NITI Aayog To Launch Women Entrepreneurship Platform On International Women's Day
While Sushant has not posted anything about the collaboration, he has kept his fans guessing with his last tweet where he wrote, "Something really important, real soon!"
Something really important,— Sushant Singh Rajput (@itsSSR) May 23, 2018
real soon! #selfmusing
He recently launched his new venture Innsaei, which according to him is a convergence of Intellectual property and emerging technologies. The actor has also shown a keen interest in Quantum Entanglement and got an invite from Shekhar Kapur to visit Massachusetts Institute of Technology for the same.
???????? am at @MIT exploring storytelling in virtual reality and Artificial Intellence. Quantum Entanglement is an amazing force if we could know how to use it. It's a completely different physics @itsSSR come and spend time here. Am Hon Scholar here. It's amazing. You'll love it. https://t.co/hj0ZCajgCc— Shekhar Kapur (@shekharkapur) May 21, 2018
June 16 , 2020
March 28 , 2019
March 28 , 2019
March 28 , 2019
March 28 , 2019


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Starting Skill: Intellect
• You can do basic things like opening doors.
Starting MessageEdit
Who are you? What are you? These questions form in your head momentarily before your eyes flick open. Soon after you haul your freshly gored carcass off the pavement, you stumble through the streets of (name of suburb). The questions are gone now. They have been replaced by a nameless, empty urge that drives you forward into the darkness.
Community content is available under CC-BY-SA unless otherwise noted.


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I'm in the country this Christmas season . . . Texas country, where the roads are long and the skies are big. My boys are staying at my in-laws ranch, while my husband and I are in town at a hotel. Every morning, we drive out to the ranch (about a 20 minute drive), where we have been spending time with family. There's lots of land to walk around and a couple of ponds to linger about. It really is beautiful country, with miles and miles of back country roads to venture out onto.
Christmas Eve, I set out for a short run with my oldest son in the afternoon. The temperatures were in the forties (Fahrenheit), but that wasn't cold enough to keep on the long sleeves. By the time we reached the small cemetery (Bowman Ridge Cemetery about 2 miles in), I was ready to take off the long sleeves and run in a tank top. It felt really good to get out and run the straightaway dirt roads. Really good. This run measured a little over 4.5 miles (with close to zero elevation gain). I know this for sure because I'm wearing my new sports watch – Amazfit Pace. Yes, I have officially left Garmin behind, and so for, I am pleased.
Run 2, which was today, December 27, I took my middle son along. It was dang cold out, but he didn't even bring a jacket. I told him that he'd need one, but he did not believe. He mainly walked, but every so often would run to catch up with me. I think the running helped to warm him up. His face was red with cold. At about a half mile a jack rabbit stood up and ran across the field. He had to be three feet tall! I wish I was quick enough snap a picture. But by the time I had my camera out, he was long gone. Then about one mile in, two dogs ran from a farmhouse out onto the road, and accompanied us for most of the run. It wasn't until about a half mile from "home" that the owners of the dogs showed up in a car and called the dogs in. The dogs were beautiful.
I kept my long sleeves on the entire run. I believe that it was thirty-something. Like I've already said, dang cold! The dogs didn't mind, and my son without a jacket didn't seem to mind much either. (Crazy kids!) We went back out to the cemetery, which is so interesting. It is a very old cemetery, with grave markers dating back to the early 1800s. It's also a historical landmark being that it is a Confederate veteran cemetery. I know that it is popular to hate all Confederate history, but I love history, so I'm delighted to come across an artifact like this, which by the way, is practically in the middle of nowhere – it's surround by country roads and farms – that's it.
This run measured just a little over 4 miles, with again, practically zero elevation gain.


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all — 10x10 challenge
Glam Capsule Challenge 3 Ways
Capsule wardrobes have skyrocketed in popularity in recent years. A capsule wardrobe is a way of curating your closet to contain a set amount of items which can be mixed and matched multiple ways. While the word 'capsule' in the fashion world previously referred to 'capsule collections,' the slow fashion movement has taken it to the streets! While designer capsule collections are often created to try and convince consumers that they need to buy everything in their line, capsule wardrobes celebrate the reuse and re-styling of items we already have. Sustainable fashion Blogger Lee Vosburgh, of StyleBee, made the "10x10 challenge" popular in 2015. This challenge consists of narrowing down your wardrobe to 10 items and rocking them together for 10 days. The difference between the 10x10 challenge and the "Glam Capsule" challenge is that the latter is all jazzed up. Author and ethical fashion advocate Elizabeth Cline created this social media challenge this year with the aim of proving that conscious fashion can be for everyone. It's easy to focus on basics when embarking on the 10x10 challenge, which is a wonderful way to learn about layering! However, the #glamcapsulechallenge pushes people to go out of their comfort zone and into the spotlight. Both of these challenges are tests of creativity and can help hone person style. Sustainable fashion doesn't have to look one way. It can mold to your personal style and become your own. While capsule challenges, and ethical fashion at large, are depicted on mostly one type of person (thin, white, well-off, minimalist) they are for everyone.
3 Ways to Try a Capsule Wardrobe
Recently there's been a lot of hype around capsule wardrobes, but what are they? The word capsule usually refers to something small or shortened, so in this case it means a smaller wardrobe. Curating your closet like this means having fewer, higher-quality pieces, instead of having many low-quality items. When putting together a capsule wardrobe you have to think about versatility and durability.


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PUBLIC NOTICE – Monday, August 19th, 2019 @ 7:00 p.m. at the Town Hall Council Chambers
Notice that an Infrastructure Committee Meeting will be held at the above date, time, and location to discuss green space projects.
Some or all of the meeting may be in camera.
Residents are welcome to attend any and all Council meetings.


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Wellsys Bait Fish rigging DE-BONER Fishing Tool
- Description
- Details
Specialist Bait fish preparation tool used for removing the backbone from mullet & other large game fishing trolling baits to create a substantially more "lifelike" swimming bait. Also used for removing the eyeballs from garfish prior to rigging.
- Used for removing backbone from mullet & other large baits for better bait presentation
- Also used for removing the eyeballs from ballyhoo (garfish) prior to rigging
- Stainless steel construction with EVA grip in three sizes
- To remove backbone in bait, cut a trangular hole just behind the head & insert tool
Shaft diameters:
- De-boner #1: 3/8" (9.53mm)
- De-boner #2: 1/2" (12.7mm)
- De-boner #3: 5/8" (15.88mm)
Priced From: $59.90
*Add the items to your cart to obtain shipping cost


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I am a teacher using Smartboard. Until 3 days ago, I could see both the computer desktop and the Smartboard screen. Now I can view only one at a time. It is a Dell computer but using the Fn and 8 key still only lets me view one at a time. I installed some programs (a Driver Checker and other things that came with it --Registry Easy, Advanced Disk Defrag, and Perfect Uninstaller) recently but have since uninstalled them. I was trying to install some educational software after using the trial version but even after uninstalling the trial version, I kept getting error messages that the trial was still there and it would not install the licensed version. Anyway, system restore has not helped get me back the two simultaneous screens. I've been to the display panel and to settings. It only shows one monitor (the default). I went to Advanced and then the General. The DPI is Normal, the Adapter and then Properties says a Vga save, Under Drivers, there is Current Status, and Start Up type is System. Under Monitor tab, once again there is the default with Properties button grayed out and the screen says to use default with a drop down menu but with no option of choosing anything else.
This limitation of only one visible screen (instead of both the laptop and the projected image on the SmartBoard is really cramping my teaching.
Do you have any suggestions as to what I can try next in order to be able to view both the computer desktop and the screen on the SmartBoard?


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Hi Yoga Friends,
I'm inviting you to join me on my forthcoming Yoga retreats. Roses Bower cottages in Northumberland – November 2020, The Tree relaxation center in Rosedale North Yorkshire – April 2021, Montenegro in June 2021 and Crete in July 2020! Check out the Retreats pages and see if you fancy a weekend/week away to unwind and connect with you inner stillness in beautiful surroundings!


text: We Offer Some of the Most Energy Efficient Air Conditioners in Alliance, Including the First Air Conditioner Above 26 SEER One of the most important features of an HVAC system is its energy efficiency, so it's no wonderwe offer Lennox® products at Jack's Heating, Cooling, Stoves & Fireplaces. It's also why we love the XC25, Lennox's most efficient air conditioner. In fact, Lennox was the first manufacturer to roll out an air conditioner to be rated higher than 26.00 SEER, or Seasonal Energy Efficiency Ratio, which measures the cooling efficiency of your air conditioner or heat pump. A higher SEER rating means higher energy efficiency, and as a Alliance homeowner, you may appreciate the benefits that come with these systems. You'll feel good knowing they'll help save the environment. But, you'll undoubtedly be even more pleased to learn that highly efficient systems can help lessen your utility bills, potentially allowing you to pocket hundreds of dollars each year. The XC25 has also been recognized by the U.S. Environmental Protection Agency (EPA) by being named one of the Most Efficient ENERGY STAR®-qualified products in 2014. This recognition means the product prevents greenhouse gas emissions by meeting stringent energy efficiency performance levels set by the EPA. The XC25 is one of a number of energy efficient air conditioners we offer in Box Butte County. Learn more specifics about our efficient products online or by calling Jack's Heating, Cooling, Stoves & Fireplaces at 308-646-3827. We'll be here to talk once you decide to upgrade your cooling system, too. Just make an appointment online when you're ready for an in-home consultation.


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Received: 25 November 2019; Published on-line: 06 January 2020
SS-OCT-derived morphometric changes in the choroid in patients with age-related macular degeneration
D.O. Peretiahina, Post-graduate Student; N.A. Ulianova, Dr Sc (Med), Prof
Odesa National Medical University; Odesa (Ukraine)
E-mail: email@example.com
TO CITE THIS ARTICLE: Peretiahina DO, Ulianova NA. SS-OCT-derived morphometric changes in the choroid in patients with age-related macular degeneration. J.ophthalmol.(Ukraine).2019;6:63-69. http://doi.org/10.31288/oftalmolzh201966369
Background: Since the prevalence of late age-related macular degeneration (AMD) is increasing, investigating the role of the choroid in the pathogenesis of the disease is particularly important.
Purpose: To examine swept-source optical coherence tomography (SS-OCT)-derived subfoveal choroidal thickness (SFCT) in patients differing in phenotypic manifestations of AMD.
Material and Methods: Fifty-five AMD patients (67 eyes; age, 64 to 75 years) and 8 comparably matched-aged healthy controls (13 eyes) underwent SS-OCT measurement of SFCT. They were divided into 6 groups: healthy individuals without signs of AMD and patients with drusen; type 1 choroidal neovascularization (CNV); serous retinal pigment epithelium (RPE) detachment; type 1 CNV; and geographic atrophy (GA). Statistical analyses were conducted using Statistica software, version 184.108.40.206. Both parametric and non-parametric techniques were used.
Results: Mean SFCT in patients with GA was 47.8% lower than in controls, 45.7% lower than in patients with drusen, and 51.7% lower than in patients with type 1 CNV (p < 0.05). We found no significant difference in mean SFCT between patients with GA and those with RPE detachment, or between the former and those with type 2 CNV. Patients with AMD and age-matched healthy controls were divided into four clusters based on choroidal thickness (cluster I, 105 ± 4.8 μm; cluster II, 188 ± 3.5 μm; cluster III, 266 ± 4.6 μm; and cluster IV, 408 ± 14.9 μm). There was no difference in cluster distribution between eyes with type 1 CNV and normal age-matched eyes. Of the eyes with drusen, most (81.8%) were from cluster II. A statistically significant majority of eyes with serous RPE detachment, type 2 CNV, and dry AMD were assigned to clusters I and II (p < 0.05).
Conclusion: Patient groups differing in phenotypic manifestations of AMD were found to differ in the mean magnitude of SS-OCT-derived SFCT, and could be classified into 4 clusters on the basis of their value of SFCT.
Keywords: subfoveal choroidal thickness, age-related macular degeneration; optical coherence tomography
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The authors certify that they have no conflicts of interest in the subject matter or materials discussed in this manuscript