![]() We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We are not a product issuer, credit provider or financial advisers nor are we a credit intermediary or broker. That all means our TWI-5 is at 66.7 and little-changed.Finder ROW Pty Ltd (ABN 38 624 431 750) provides factual information on and compares many, but not all, products and services. Against the euro we are now at 57.7 euro cents and also a tad firmer than this morning's open. Against the AUD we are marginally firmer at 88.3 AUc. The Kiwi dollar has held at its lower level to be just over 56.2 USc now. In early Asian trade, gold is at US$1695/oz and very little-changed from this morning and about where it closed at the end of last week in New York. The S&P500 futures suggest that New York will open marginally lower. Shanghai is back after a week's holiday with a flat opening - meaning it missed all of last weeks rises elsewhere. ![]() Hong Kong has started down a very sharp -2.2%. Tokyo has opened its Monday trade down -0.7% so far. The ASX200 is down -1.6% in early afternoon trade. The NZX50 is down a sharpish -1.3% in late Monday trade. The UST 10 year is now at 3.89% and up another +6 bps from this time Friday. The NZ Government 10 year bond rate is now at 4.35%, and up another +6 bps and still above the earlier RBNZ fix for this bond at 4.33% which was up +12 bps from this time Friday. The China 10 year bond rate is unchanged at 2.76%. The Australian 10 year bond yield is now at 3.86% and up another +6 bps from Saturday. The 90 day bank bill rate is up +4 bps at 3.92% the highest since January 2009. Our chart will record the final positions. The key real action comes near the close. Wholesale swap rates are firmer on global trends yet again with some local push now too. The average retreat per dwelling will be more than the -4.7% six monthly figure they report overall. And don't forget, that is after adding in the new houses that are being built and occupied in 2022. It also revealed that the total value of all residential real estate fell to $1.68 tln, the second consecutive quarterly fall, retreating -$82 bln since December 2021, a -4.7% fall so far in 2022. That reveals that house sales in the June 2022 quarter were the lowest since the September 2010 quarter. #Nz us exchange rates seriesThe RBNZ updated its M10 series for data for the June quarter. The current OCR cost is 3.5% but by mid 2022 that will probably have risen to close to 5%. The fist of them ($1 bln) was drawn in December 2020, so these will need to be repaid by December 2023. Banks can have these funds for three years at the OCR rate. The RBNZ has revealed that banks drew down another $470 mln on Friday last week. The Energy sector fell -1.5%, held up by a +5.7% rise by Vector. ![]() Other property listeds fell -0.3% on average and only GMT and Investore rose, and their good rises (up about +4% each), kept the sector falling away more. But the retirement sector fell -1.7% on average with a number falling more than -4% in the week. Fisher & Paykel Healthcare was up +4.2% and Fletcher Building was the biggest gainer, up +6.8%. The top five listeds all rose while many of the smaller listeds fell. Last week's +0.4% rise in the NZX50 capitalisation revealed a size split. The latest Kiwibank household spending data shows that the volume of cash withdrawals is 70% higher than a year ago. There has been a big jump reported in usage of 'real' money. Even allowing for the effect of school holidays, last week's auction numbers were low by any measure, and certainly for the Spring real estate selling season.Ĭash is back. Nationwide residential auction activity slowed slightly in the first week of October. The Infometrics-Foodstuffs New Zealand Grocery Supplier Cost Index (GSCI) shows a +9.2% pa rise in September 2022, which will maintain pressure on retail supermarket prices. MORE COST INCREASES MEANS MORE PRICE INCREASESĬost increases from grocery suppliers to supermarkets have risen further in September as suppliers face sustained increases in input costs. The latest survey of retailers shows a still significant number are unsure if their businesses will survive the next year. Retailers see further 5% price increases in the next three months. For the six and 12 month offers, they are matching ASB's recent rises. CFML raised their rate however.īNZ raised its TD rate offers today for terms to 1 year. Only ANZ has moved so far, post the OCR hike. Here are the key things you need to know before you leave work today (or if you already work from home, before you shutdown your laptop). ![]()
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![]() ![]() It’s excellent for long term projects as the platform makes it easy to track hours worked, which means billing and invoices are much easier for both the client and the person hiring.įreelancers’ profiles are highly detailed, showcasing their skills, experience, and feedback for previously completed jobs. Upwork is a little different from Fiverr, with its own unique advantages and disadvantages. It can be challenging to decide on a freelancer as there are lots of gigs to choose from.Some sellers might not have the skills you’re looking for.Good customer support team available to assist you if needed.Easy to use platform that’s open to everybody.View seller profiles and feedback ratings before hiring.Wide variety of skills and services on offer.There are no complicated contracts or hoops to jump through, making it the number one choice for all jobs, small and large. There’s no need to post jobs or sift through lots of proposals simply look for somebody offering the skills you need, contact them, agree on the scope and pricing, and hire them. This is great as it allows you to outline what you need and get a custom quote in just minutes.įiverr is perhaps the quickest platform to get started with, as you can register and browse freelancers’ gigs in a matter of minutes. In addition to that, you can communicate privately with freelancers through the platform’s messaging system. You can browse different categories, see what services are on offer, and look through freelancers’ profiles and feedback scores before hiring them. The platform itself is easy to use and is open to everyone, no matter where you live. TOP FREELANCER MODS MODIt’s an excellent platform for finding talented Garrys Mod freelancers. Fiverr – Our Top Pick for Freelance Garrys Mod Experts Let’s jump right into the top five freelance sites out there today! 5 Best Websites To Hire Freelance Garrys Mod Experts 1. ![]() Some of these platforms are home to the best Garrys Mod freelancers on the internet. These sites offer local and remote workers who are skilled in many areas, including Garrys Mod. We’ve come up with a list of the five best sites to find Garrys Mod freelancers for your next big project. If you have a vacant position for a Garrys Mod freelancer, you’ll want to fill it quickly with a competent expert. "This post includes affiliate links for which I may make a small commission at no extra cost to you should you make a purchase." ![]() ![]()
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![]() ![]() Studies have shown that students who use laptops during class multitask an average of 17 minutes out of every 75 minute class period. Having to monitor one’s hand movements and the pen can act as inhibitors to the process of learning.Īccording to a 2012 study, students with a poor working memory may benefit from transcribing using a computer.Īn unquestionable drawback to digital note-taking and typing on laptops is the ease of distraction. One study found that the mechanical demands of taking handwritten notes may put restrictions on the encoding of information.This results in memorization for typed words being comparatively poor. Typing requires less kinesthetic information and mostly consists of repetitive, unidentifiable movements.This results in deeper processing and better memorization. Handwritten notes require semantic processing to summarize lecture information into fewer words. Pen v pencil notes for memory retention series#Handwriting is a complex physical task requiring a series of unique movements and it provides an additional layer of memorization.Here’s what the research says about memorization for handwriting and typing: While there are some studies that present opposing views, most studies have found handwriting to be better for memorization than typing. In essence, it’s because we remember the words that we write down by hand more accurately than by typing them. When it comes to memorization, studies seem to suggest that handwriting outperforms typing. When it comes to editing notes after-class, typing takes a comfortable win. ![]() Not only will you be using semantic processing while changing the notes, but you’ll also be summarizing the information and learning during the process. While a one-on-one repetition of note-taking is not an effective study method, the act of restructuring your notes into a more digestible and reviewable format after class is a powerful technique. This also makes using after-class note-taking methods such as the charting method, mapping method, and boxing method much easier, because you can simply cut and paste your notes instead of having to rewrite them. Handwritten notes also have some room for corrections, but the more you edit them, the messier and harder to review they usually get.īy having your notes stored inside a digital file you can edit, copy, resize, and move the sentences around however you deem fit. One major benefit of typing and digital note-taking is that you can easily edit your notes after class. Thus, it appears that for the encoding aspect of taking notes, the upper hand goes to handwriting. al., it was found that while the notes of students who use laptops have a higher word count, their quiz results tended to be worse. This can also limit knowledge acquisition, memorization, and retention normally achieved during the note-taking process.
![]() And you can always count on Sampson-coached teams to defend and rebound well. The Cougars also landed five-star recruit Jarace Walker, a versatile frontcourt player, and ESPN 100 wing Terrance Arceneaux, a talented pure scorer with size. Without those two guards, Jamal Shead stepped forward and emerged as a high-level playmaker and distributor. Mark was key off the bench before suffering from a shoulder injury. Sasser, a likely preseason All-American, was averaging 17.7 points through 12 games before being shut down with a foot injury. The healthy return of Marcus Sasser and Tramon Mark is a big part of the optimism. And now, Kelvin Sampson might have his best team yet. ![]() Houston's last two seasons: 60 wins, two Elite Eight appearances, one Final Four run. As the likely starting point guard, Hickman might be the biggest key. If Gonzaga is to make another title run, it will come down to the development of three former five-star recruits: returnees Nolan Hickman and Hunter Sallis, and LSU transfer Efton Reid. He did bring back Wooden Award candidate Drew Timme and two other starters in Julian Strawther and Rasir Bolton, and also signed Chattanooga transfer Malachi Smith, the 2021-22 Southern Conference Player of the Year. 2 pick Chet Holmgren and star point guard Andrew Nembhard. 1 yet again, after they won at least 28 games for the 10th straight season and received a 1-seed for the third consecutive NCAA tournament. ![]() There's a strong case for the Zags to be picked preseason No. NCAA Bracketology: A repeat performance for the Kansas Jayhawks come spring?.Hubert Davis has enough talent, experience and depth on his roster to keep the Tar Heels at No. The Tar Heels were 17-4 in their final 21 games. There's some concern that UNC isn't as good as its March run indicated, but it wasn't necessarily just a six-game stretch. Davis found a backcourt formula that works toward the end of the season. The lone starter to depart, Brady Manek, was replaced by Northwestern transfer Pete Nance, who should immediately bring much of the inside-outside ability his predecessor displayed last season.Īrmando Bacot will be a preseason All-American, while Caleb Love and R.J. The Tar Heels bring back four starters from a team that reached the national championship game before falling to Kansas. More than six months since that first edition, we're now just one month from the official tipoff of the 2022-23 college basketball season. Both the Tar Heels and Zags ultimately retained most of their borderline NBA draft prospects and will headline the 2023 national championship discussion. 5 and Gonzaga was all the way down at No. 1 before some NBA draft departures dropped it down, while North Carolina was at No. More importantly, we have finally made it to the final weeks before the 2022-23 season - and it has been a long road since we released our initial Way-Too-Early Top 25 on the night of the 2022 national championship game.īack then, Arkansas opened the offseason at No. ![]() COLLEGE BASKETBALL RANKINGS UPDATEWe did, however, still make some tweaks since the last Way-Too-Early update in August, after reevaluating rosters. There were no landscape-shifting moves like in August of last year, when Jalen Duren and Emoni Bates reclassified into the class of 2021 and enroll at Memphis for the 2021-22 season. After the calendar adjustments of the last two men's college basketball offseasons - later NBA drafts, leading to later NBA draft withdrawal deadlines - and a rise in the rate of notable high school reclassifications, the past six months didn't see too many changes. ![]() ![]() ![]() Offering a place for small living organisms to be able to move around and sometimes being the food source for the organism. Sea nettles often have riders on their bodies, sometimes ![]() Though easily recognized, these animals are often misunderstood. Mysterious and intimidating as jellyfish. Jellyfish go with flow and have drifted along on ocean currents for millions of years, even before dinosaurs lived on the Earth. More beautiful jiggly jellyfish as they explore deep sea canyons, and otherĮxtreme water conditions near underwater volcano vents and in the harsh Many scientists and deep ocean explorers expect to discover countless Others dwell in extreme depths, glowing with bioluminescence in the pitchīlack water near the bottom of the ocean. Some sea jellies survive close to the surface while ![]() Some live in freshwater, but jellies can beįound in every ocean. They are the oldest multi-organ animal and have morphed into more thanĢ,000 different jellyfish species. Spectacular and mysterious marine species in the world. Jellyfish were drifting along on ocean currents. Jelly Fish in the Adriatic Sea, Photograph by Marinko Babic, My Shotīlood-Red Jellyfish, Photo by Kevin Raskoffĥ00 – 700 million years ago, even before dinosaurs roamed the Earth, ![]() Vinegar should be used on jellyfish stings, and any persistent or sever swellings or pain you should seek medical advice.Ĭassiopeia have been kept with a wide variety of fish and invertebrate species.Mosaic Jellyfish, Photograph by Melissa Fiene, My ShotĪ barrel jellyfish floats in Slovenia. Gloves must be worn and you should never mouth siphon. When disturbed they can release mucous strands containing nematocysts that can cause a nasty sting so care must be given whilst handling or carrying out maintenance on this tank. #CASSIOPEIA JELLYFISH FULL#Cassiopeia are one of the only jellyfish that you can move using a net so you can carry out a full tank clean fairly quickly. Substrate can be used so this will require regular gravel siphoning. If the tank gets too dirty then remove all the jellyfish into a suitable sized bucket and carry out a 100% W/C thoroughly cleaning the tank as the level goes down. Tank surfaces, airline, heater and gauze should be wiped using a sponge and siphon the tank when required. The tank will require regular cleaning, hydroids and algae growth are increased in Cassiopeia tanks due to high lighting levels and overgrowth of these can cause the jellyfish's bell to shrink. An airline or pump set to a low flow will move the live feed around the tank as naturally it will stay at the surface where the light is greatest. Live newly hatched artemia shrimp, enriched baby brine shrimp, rotifers or copepods can be used and should be fed twice daily, but a dosing system could be set-up to provide smaller but more regular feeds which would maximise growth. Ensure the flow is not on too high as this can disturb them and can also deprive them of food. Any square, rectangular or cylindrical tank is good for them. Lighting should be provided for 8-12 hours.Īs they are a ground dwelling jellyfish Cassiopeia should never be kept in a kreisel. A mix of daylight bulbs with a 5,000-6,500 K range and at least one within the blue range of 10,000-20,000 K will keep the zooxanthellae healthy and will give an attractive look to your tank. The jellyfish contain symbiotic zooxanthellae giving them their brown colour so require a suitable full spectrum light placed directly above the tank. They have also been kept in brackish water too Cassiopeia ephyrae through to adult stage should be held at 24-26 Deg C. ![]() ![]() In his campaign for Virginia governor, Republican Glenn Youngkin said he would ban the teaching of critical race theory in the state’s public schools. “It’s more of a theory in academia about race that adults use to discuss the context of their environment.” “Critical race theory is not something we teach to students,” said Lisa Luten, a spokeswoman for the school system. WATCH: The 1619 Project details the legacy of slavery in America County education officials canceled a future study session once it was discovered but insist the theory is not part of its classroom curriculum. #Define liberas professional#Republicans in North Carolina point to the Wake County Public School System as an example, saying teachers participated in a professional development session on critical race theory. In Greenwich, Connecticut, some middle school students were given a “white bias” survey that parents viewed as being part of the theory. There is little to no evidence that critical race theory itself is being taught to K-12 public school students, though some ideas central to it, such as lingering consequences of slavery, have been. Initially, she says, it was “simply about telling a more complete story of who we are.” Is critical race theory being taught in schools? Kimberlé Crenshaw, executive director of the African American Policy Forum, a social justice think tank based in New York City, was one of the early proponents. Proponents also believe race is culturally invented, not biological. The architects of the theory argue that the United States was founded on the theft of land and labor and that federal law has preserved the unequal treatment of people on the basis of race. WATCH: Answering your questions on critical race theory It centers on the idea that racism is systemic in the nation’s institutions and that they function to maintain the dominance of white people in society. Scholars developed it during the 1970s and 1980s in response to what they viewed as a lack of racial progress following the civil rights legislation of the 1960s. What is critical race theory?Ĭritical race theory is a way of thinking about America’s history through the lens of racism. Real-world examples of students being indoctrinated in its principles are difficult to find. Yet, even those who condemn or seek to ban critical race theory in schools often struggle to define what it is. Over the past year, it has morphed from an obscure academic discussion point on the left into a political rallying cry on the right. The term seemed to appear in statehouses and at political rallies almost from nowhere. ![]() The concept known as critical race theory is the new lightning rod of the GOP. And several Republican-controlled states have invoked it in legislation restricting how race can be taught in public schools. Senate introduced a resolution condemning any requirement for teachers to be trained in it. Former President Donald Trump has railed against it. ![]() (AP) - It has become a major issue in the Virginia governor’s race. He is fluent in Portuguese and English, has advanced capability in Spanish and also has basic knowledge of French.RALEIGH, N.C. He also studied at the University of Queensland (Australia), has completed courses in restructuring and M&A at Harvard Business School and completed the international housing finance program at Wharton Business School. He also worked in financial management at Brazilian Securities and as a partner-director of Dellpar Engenharia e Parcerias.Ĭarlos holds an MBA from INSEAD (Singapore and France) and an undergraduate degree in civil engineering from Universidade de São Paulo (Brazil). Prior to joining the firm, he spent several years as an advisor for the State Housing Secretary and President of CDHU. His engagements have addressed strategy, business model transformation, pricing and incentives with machine learning, retail chain expansion, organization restructuring, cost reduction and optimization, private label strategy, supply chain network optimization, S&OP, JV structuring, go-to-market and adjacency strategy, performance improvement and turnover reduction. He joined the firm in 2011 and has nearly 20 years of professional experience.Ĭarlos has advised the top management of large national and multinational organizations across industries and regions, including Brazil, Argentina, Colombia, Chile, Ecuador and Asia. Carlos Libera is a member of our Automotive, Agribusiness, Consumer Products and Supply Chain practices. ![]() ![]() To commit the project, click the Save to Server control next to the project name in the Projects panel. This indicates that it has been added to the Workspace's version control system (VCS) but is yet to be committed (saved).
![]() ![]() We want to know which you think is the ultimate album cover, so upvote your favourite designs. Their third album, 'Doremi Fasol Latido' would basically be the one to really kick off their string of great albums. There are a lot of free-flowing and Eastern vibes going on here, along with some very accomplished musicianship. Once heard, its cosmic, jazzy grooves are difficult to forget. Get these up on your wall as well as on your turntable. The time were interested in, in our fancy little aluminum foil space-time capsule is 1972, and the band at the time were mere fledglings, well, pretty much. Mighty Baby - Mighty Baby (Head, 1969) Opener Egyptian Tomb is certainly one of the best-crafted, most memorable songs of the period. Salt-N-Pepa & Kash Doll) Just For Me (feat. We've picked 50 of the coolest album designs ever created. A star-studded soundtrack that’s fitting for the long-awaited sequel. Even the best album covers of all time, then, come at a price. Everywhere at the End of Time is the eleventh recording by the Caretaker, an alias of English electronic musician Leyland Kirby. Sometimes, even more so: legend has it that the cover of New Order's Blue Monday was so expensive to make that their label lost money on every copy sold. Originally just a protective cover for the fragile crackly goods beneath, it soon evolved into a space for artistic expression in its own right, very often becoming as important as the music itself. The rise of digital music, unfortunately though, threatens one of the greatest canvasses of art seen in the 20th Century - the record sleeve. Myspace published an article at 08:55 AM. With the rise of streaming the humble album cover is becoming something of a lost art, which is a crying shame as this list of the best album covers of all time proves that there is some amazing art for the long player. Charli XCX shares full ‘Crash’ track listing The album arrives next week. ![]() ![]() ![]() What will likely prove a more pressing threat to U.S. If the Chinese government wanted the kind of information TikTok could collect, it could be obtained in many other ways. Many institutions that collect sensitive data have already been hacked - it is estimated that there is a cyber attack every 39 seconds - and much of that information is for sale on the Dark Web. The data that TikTok collects pales in comparison to, say, what most American tech companies (as well as banks, credit agencies, and hotels) collect, both visibly and less so. If data collection by a company with overseas connections comprises a threat, there are threats all around. Trump’s August 6 executive order claims TikTok could “allow China to track the locations of Federal employees and contractors, build dossiers of personal information for blackmail, and conduct corporate espionage.” But, is TikTok really a threat? And if it is, what are the possible consequences of these actions by the U.S.?Īs researchers who have studied similar bans on technologies, we believe that this chain of events could have sweeping impacts on the business community, which will likely not be confined to the tech sector. citizens and shield data about them - and government officials - from the Chinese government. ![]() The proposed ban, according to the Trump administration, is intended to safeguard the privacy of U.S. government, accusing the Trump administration of depriving it of due process. As companies including Microsoft, Walmart, and Oracle have expressed interest in buying the app, TikTok is suing the U.S. ![]() TikTok business within 90 days, as well as to destroy all its copies of TikTok data attached to U.S. In August, President Trump signed two executive orders to block transactions with ByteDance, TikTok’s parent company, and Tencent, which owns the popular messaging service and commercial platform WeChat, and another executive order requiring ByteDance to sell or spin off its U.S. government announced it was considering banning Chinese social media apps, including the popular app TikTok. It was the seventh-most downloaded app of the 2010s ( Data.Earlier this summer, the U.S. TikTok reached 3 billion downloads in June 2021. TikTok had 190 million users in India, making it the app’s second largest market behind China How many times has TikTok been downloaded? Outside of China, TikTok’s largest markets are the US, Indonesia and Brazil How many users did TikTok have in India before it was banned? ![]() TikTok is used by 18% of global internet users aged 16 to 64 ( GlobalWebIndex) What countries is TikTok most popular in? Want to learn more about social apps? Check out our Social App Report TikTok FAQ What is TikTok’s global internet penetration?
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