Business To Business Payments Different Types &Amp; Challenges Faced!

Owing to the ease-of-use, convenience, and availability of modern technology, financial management has become quite easy for the modern businesses these days. While many businesses, still, use the traditional cash payments for their Business to Business payments transactions, there has been a rise of companies which have adopted electronic B2B payment methods.

When opting for a payment mode for your modern business, there are many factors that must be considered, such as security, processing time, etc. While one payment mode can work for a business and not for another one, choosing the right business to business payments methods can be quite challenging. This is why we bring to you this detailed guide on different types of methods available along with the challenges associated.

The different kinds of B2B payment mediums

Cash

This is the traditional method that has been used by most businesses since a long time, but this seems to be gradually obsolete. These days, especially when it comes to business to business payments, it seems weird to come and pay a supplier a briefcase full of bills.

Checks

In addition to cash, accepting checks is also another commonly used traditional payment method. After all, it is relatively easy and there is also a trust factor associated with this payment mode. This category includes traditional paper checks and electronic checks issued by a purchaser to a seller. Once the check is deposited to the bank, the payment request from the buyer’s bank will be sent to the seller’s bank.

Wire transfers

In this modern day, when more and more businesses are working with clients who may be located in other cities or countries, using wire transfer has gained popularity. Introduced over 150 years ago by Western Union,the payment is electronically routed through a financial network like SWIFT and Fedwire. While it can be expensive, but many businesses rely on this method to accept payment from international clients.

Credit cards

Almost everyone, these days, owns a credit card and it can be accepted for business to business payments. However, it is not accepted by many businesses, especially the ones operating at small scale because of the processing fee involved.

Payment gateways

If you have been working with the international clients for long, you would be aware of the different types of payment gateways such as Paypal, Stripe, Square, and Bill.come. The best part about using these payment gateways for payments is that the buyer can make the payment to seller, which is received instantly. The process is quite easy, allowing the buyers to pay for good and services online during the checkout process.

The Obstacles for B2B Payments

  • Payment mediums variety – While there is a large range of payment methods available for business transactions, they also have their own drawbacks. The reason here is that not all businesses are the same, which means not all the payment methods will work for all of them. For example, one business may find accepting check for payments, while other may like to receive online payments for quick and easy payments.
  • Security issues – We are living in this age where online transactions are very common. While the scenario has made things easy, it also poses security threats for the businesses as well as their buyers as the online hackers are always looking for the vulnerable platforms. When it comes to accepting online payments, things can be quite tricky as the data is exposed to the hackers who know how to get access to the financial details. According to a study conducted by Deloitte, over 22% of the middle market business have been attacked by payment fraud in recent years. To ensure safety, it is important to ensure having a secure payment method and gateway that is encrypted with the advanced technology.
  • Transparency – Almost every business, that received payment, would like to know about the status of the payments being made. The goal is to control the cash flow of a business. In case a particular payment method is not offering transparency, things can be quite challenging and hectic for the business.
  • Cost – When you are accepting payments, you need to keep in mind various costs such as fee for transaction and account maintenance that you need to bear. For example, if you are accepting payments through wire transfer, you have to be willing to pay significant fees for payment services. While there are certain fee involved with the online payments as well, you can opt for a business to business payments partner that offers best price for your transactions so that you can save more on every payment being received.
  • Time – Following the complex process involved with thebusiness to business payments processing, it can take days for the payments to be received. So we can say that it is time-consuming to get all the payment made as expected. According to the experts, it takes over 40 days to process a B2B payment, especially when receiving through the traditional payment methods.

Benefits of B2B Payments

When you integrate a suitable payment methods to receive payments for the sales of goods or services, you are likely to enjoy a range of different benefits associated with it. Some of them include:

  • Improved cash flow – For a business, ineffective cash flow management can be a challenge and cause of business failure. With the automated or online payment transactions, it is possible for the businesses to see the patterns in their incoming and outgoing cash flow via reports. This all helps minimize any unwanted results from financial management failure.
  • Save time and resources – Why hire a professional dedicated to process the payments, while you can have them all processed automatically online? This is the power of online payment transactions. This gives your team members more time to focus on other vital areas of operation or product development.

Final Thoughts

The technology has made life easier. And payment transactions are no exception here. Today, the modern business transactions are a lot complicated than the past, which makes it important to choose the right and smart business payment method with the reliable partner. Choosing the right payment platform for your B2B business is like choosing the right boat for your journey.

Australian health workers to close intensive care units in Victoria next week

Thursday, March 13, 2008

Members of Australia’s Health Services Union (HSU) will go on strike in Victoria next week in a dispute over stalled wage and career structure negotiations. Over 5000 physiotherapists, speech pathologists and radiation therapists will walk off the job next week, effectively closing the state’s 68 largest health services.

The strike will force the closure of intensive care units and emergency departments across the state.

It is feared the strike could continue into Easter.

National secretary of the HSU, Kathy Jackson said admissions would be crippled, while intensive care patients would have to be evacuated to New South Wales, Tasmania and South Australia as hospitals will not be able to perform tests or administer treatment.

“When an ambulance shows up you can’t admit a patient without an X-ray being available, you can’t intubate them and you can’t operate on them,” she said.

“If something goes wrong in an ICU you need to be able to X-ray, use nuclear medicine or any diagnostic procedure,” said Ms Jackson.

Ms Jackson said the HSU offered arbitration last year, but the state government refused. “They’re not interested in settling disputes, they hope that we are just going to go away.”

“We’re not going away, we’ve gone back and balloted the whole public health workforce in Victoria, those ballots were successful, 97 percent approval rating,” she said.

The HSU is urging the government to commence serious negotiations to resolve the dispute before industrial action commenced.

The government has offered the union a 3.25 per cent pay increase, in line with other public sector workers but the union has demanded more, but stopped short of specifying a figure.

Victorian Premier John Brumby said the claim would be settled according to the government’s wages policy. “The Government is always willing and wanting to sit down and negotiate with the relevant organisations . . . we have a wages policy based around an increase of 3.25 per cent and, above that, productivity offset,” he told parliament.

The union claims it is also arguing against a lack of career structure, which has caused many professionals to leave the health service. Ms Jackson said wages and career structures in Victoria were behind other states.

Victorian Opposition Leader Ted Baillieu said he was not in support of the proposed strike and called on the government to meet with unions. “There could not be a more serious threat to our health system than has been announced today.”

“We now have to do whatever is possible to stop this strike from proceeding,” he said.

The opposition leader will meet with the union at 11:30 AM today.

Victorian Hospitals Industry Association industrial relations services manager Simon Chant said hospitals were looking at the possible impact and warned that patients may have to be evacuated interstate if the strike goes ahead.

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Peter Andren, Australian MP dies aged 61

Sunday, November 4, 2007

Australian federal member of Calare, Peter Andren died on Saturday after a short battle with pancreatic cancer. He was aged 61.

Mr Andren who had held the seat since being elected in 1996 had previously announced his intention to run for the senate after his electorate was changed for the 2007 federal election. After Mr Andren was diagnosed with cancer in July, he announced that he would be retiring from politics at the election.

Mr Andren’s 1996 campaign platform was based upon retaining services in regional Australia, particularly banking, health and telecommunications. Over the next 11 years, Mr Andren’s primary vote grew and at the 2001 and 2004 elections was elected without preferences, achieving a majority primary vote.

In 2001, Mr Andren disagreed with his electorate on refugees. The electorate supported the government’s tough stance but Mr Andren could not support the government’s border protection measures. Following this, a vicious letter-box campaign rose up saying “you might like Peter Andren … but you won’t like what he’s got to say about keeping our borders safe”.

Fellow NSW independent member, Tony Windsor said Mr Andren’s stance on asylum seekers was just one sign of his compassion and strong belief in human rights.

Mr Windsor described Mr Andren as the “conscience” of parliament. “Peter Andren was a true representative of the people of the Calare electorate, a man of the highest integrity and the conscience of the Parliament,” he said.

“He was subjected to vitriol from time to time within the Parliament over issues, but if he believed in something he stuck to it. He didn’t compromise and I think that’s a lasting legacy that Peter will leave.”

Prime Minister John Howard said despite having a difference of opinion with Mr Andren on many issues, he had a lot of respect for him.

“I respected his skills as a local member,” he said.

“Mr Andren and I frequently disagreed on major issues and he made no bones about that and I made no bones about it either but that didn’t stop me respecting him and acknowledging the tremendous work he did for his electorate.”

Labor leader Kevin Rudd described Mr Andren as a true independent.

“Peter Andren will be a great loss to the Australian parliament,” he said.

“He was a man of principle, a man of commitment, a man who was an absolute independent.”

Leader of the Greens, Bob Brown said Mr Andren was an example of how a politician should be.

“He was an exemplar of representative politics for his electorate and the people of Calare kept returning him with a bigger and bigger majority,” he said.

“[If] anybody ever asks me how a politician should be, I am going to say, ‘Look at the record of Peter Andren'”

“He was a great Australian representative and he is a great loss to this country.”

During his political career, Mr Andren fought the sale of Telstra, introduced a bill to allow MPs to opt-out of their generous superannuation schemes, opposed the Iraq war and campaigned on environmental issues.

Mr Andren was born at Gulargambone, near Dubbo in Western NSW in 1946. Before he entered politics Mr Andren worked as a teacher before moving into journalism. Mr Andren worked as a news producer in Sydney for the Seven and Nine networks, before moving back to regional NSW where he worked as the news editor for both Radio 2GZ and Prime Television.

Mr Andren is survived by his partner and two sons.

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Category:Iain Macdonald (Wikinewsie)/Aviation

Aviation articles by Wikinewsie Iain Macdonald.
  • Power firm helicopter strikes cables, crashes near Fairfield, California
  • Germany bans Mahan Air of Iran, citing ‘security’
  • Lion Air disaster: Crashed jet’s voice recorder recovered from Java Sea
  • Iranian cargo plane crashes into Karaj houses
  • Police warn new drone owners to obey law after disruption at UK’s Gatwick Airport
  • Rescue helicopter crash kills six in Abruzzo, Italy
  • UK Civil Aviation Authority issues update on Shoreham crash response
  • Nigerian jet attacks refugee camp, killing dozens
  • Fighter jet crashes during Children’s Day airshow in Thailand
  • Plane carrying 92 crashes into Black Sea near Sochi
  • Hijackers divert Libyan passenger jet to Malta
  • Pakistan International Airlines sacrifices goat, resumes ATR flights
  • Judge rules Air Canada Flight 624 victims can sue Transport Canada
  • PIA flight crashes near Havelian, Pakistan
  • Indonesian police plane crashes near Batam, fifteen missing
  • Investigators blame pilot error for AirAsia crash into Java Sea
  • New Polish government takes down findings on Russian air disaster
  • Pakistani female fighter pilot Marium Mukhtiar dies in jet crash
  • Investigators blame pilot error for deadly jet crash near Boston
  • Airshow collision kills one in Dittingen, Switzerland
  • Vintage plane crashes into road during Shoreham Airshow in England
  • Planes carrying parachutists collide, crash in Slovakia
  • Indian army helicopter crash kills two in Jammu and Kashmir
  • Divers retrieve 100th corpse from Java Sea jet crash
  • Taipei plane crash toll reaches 40
  • AirAsia disaster: Bodies, wreckage found
  • AirAsia jet vanishes over Indonesia, 162 missing
  • Inquiry finds proper maintenance might have prevented 2009 North Sea helicopter disaster
  • Ryanair sue Associated Newspapers, Mirror Group
  • Ryanair sack, sue pilot over participation in safety documentary
  • Ryanair threaten legal action after documentary on fuel policy, safety
  • US Marine Corps blame deadly Morocco Osprey plane crash on pilots
  • Kenyan helicopter crash kills security minister
  • Indonesians retrieve missing recorder from crashed Russian jet
  • Report blames New Zealand skydive plane crash that killed nine on overloading
  • Russian passenger jet crashes on Indonesian demonstration flight
  • European Commission clears British Airways owner IAG to buy bmi from Lufthansa
  • US Air Force upgrades F-22 oxygen system after deadly crash
  • Cypriot court clears all of wrongdoing in Greek air disaster
  • Boeing rolls out first 787 Dreamliner to go into service
  • Air France, pilots union, victims group criticise transatlantic disaster probe
  • South Korean troops mistakenly attack passenger jet
  • 27 believed dead in Indonesian plane crash
  • Russian police say Moscow airport bomber identified
  • ‘Unacceptable’ and ‘without foundation’: Poland rejects Russian air crash report
  • Serb pilots defend colleague in Air India Express disaster
  • Investigation into US Airways river ditching in New York completed
  • Reports issued after jets collided twice in same spot at UK airport
  • Final report blames London passenger jet crash on ice
  • Concorde crash trial begins
  • Iranian air politician blames pilot error for yesterday’s jet crash
  • US charges homeless man after plane stolen and crashed in Maryland
  • German jet bound for US searched in Iceland after suitcase loaded without owner
  • Mexican helicopter crash leaves soldier dead
  • Indonesian court overturns Garuda pilot’s conviction over air disaster
  • Zimbabwean cargo plane crashes in Shanghai; three dead
  • Italian Air Force transport wreck kills five
  • UK lawyer comments on court case against Boeing over London jet crash
  • Victims of London jetliner crash sue Boeing
  • Family seeks prosecution over loss of UK Nimrod jet in Afghanistan
  • British Airways and Iberia agree to merge
  • At least nine missing after Russian military plane crashes into Pacific
  • Search continues for nine missing after midair collision off California
  • Russian military cargo jet crash kills eleven in Siberia
  • Nine missing after US Coast Guard plane and Navy helicopter collide
  • Jet flies 150 miles past destination in US; pilots say they were distracted
  • Airliner crash wounds four in Durban, South Africa
  • Cypriot court begins Greek air disaster trial
  • Japan blames design, maintenance for explosion on China Airlines jet
  • Lockerbie bomber Abdelbaset Ali al-Megrahi released on compassionate grounds
  • Lockerbie bombing appeal dropped
  • Australian receives bravery award for rescues in Indonesian air disaster
  • Fighter jets collide, crash into houses near Moscow
  • Abdelbaset Ali al-Megrahi moves to drop Lockerbie bombing appeal
  • Iranian passenger jet’s wheel catches fire
  • Tourist plane crash in Papua New Guinea leaves thirteen dead
  • UK’s BAA forced to sell three airports
  • Scotland denies bail to terminally ill man convicted of Lockerbie bombing
  • Pilot error blamed for July crash of Aria Air Flight 1525 in Iran
  • Plane carrying sixteen people vanishes over Papua, Indonesia
  • Airbus offers funding to search for black boxes from Air France disaster
  • 20 years on: Sioux City, Iowa remembers crash landing that killed 111
  • Two separate fighter jet crashes kill two, injure two in Afghanistan
  • Helicopter crash kills sixteen at NATO base in Afghanistan
  • U.S. investigators probe in-flight hole in passenger jet
  • Four Indonesian airlines allowed back into Europe; Zambia, Kazakhstan banned
  • Brazil ceases hunt for bodies from Air France crash
  • Airliner catches fire at Indonesian airport
  • Garuda Indonesia increases flights, fleet; may buy rival
  • False dawn for Air France flight; debris not from crash, search continues
  • US investigators probe close call on North Carolina runway
  • Spanish general, two other officials jailed for false IDs after air disaster
  • Indonesian court jails Garuda pilot over air disaster
  • Pilots in 16-death crash jailed for praying instead of flying
  • New Zealand pilots receive bravery awards for foiling airliner hijack
  • US, UK investigators seek 777 engine redesign to stop repeat of London jet crash
  • Schiphol airliner crash blamed on altimeter failure, pilot error
  • Marine jet crash into San Diego house attributed to string of errors
  • Fatal US Army helicopter collision in Iraq blamed on enemy fire
  • Brazil’s Embraer plans to cut around 4,200 jobs
  • Virgin Atlantic jet fire investigation finds faulty wiring in A340 fleet
  • Six indicted over jet crash at New Jersey’s Teterboro Airport
  • Man arrested in India after mid-air hijack threat on domestic flight
  • British Airways plans to cut carbon dioxide emissions by 50% by 2050
  • US Airways jet recovered from Hudson River
  • Mount Everest plane crash blamed on pilot error
  • Cyprus charges five over 2005 air crash that killed 121
  • 20 years on: Lockerbie victims’ group head talks to Wikinews
  • US, UK investigators collaborating after US 777 incident similar to London crash
  • Brazil blames human error for 2006 midair airliner collision
  • NTSB continues investigation of near-collision in Pennsylvania, United States
  • Turbulence likely cause of Mexico jet crash that killed ministers
  • Bomb ruled out in Mexico plane crash that killed twelve
  • Afghan president Hamid Karzai opens new terminal at Kabul International Airport
  • Cyprus to charge five over 2005 plane crash that killed 121
  • India’s Jet Airways posts biggest quarterly loss in three years
  • Indian aviation sector hit by financial trouble; domestic traffic at five-year low
  • Spanish airline LTE suspends all flights
  • Spanair mechanics to be questioned under criminal suspicion over Flight 5022 crash
  • Oscar Diös tells Wikinews about his hostel within a Boeing 747
  • Preliminary report released on Spanair disaster that killed 154
  • Dozens injured by sudden change in altitude on Qantas jet
  • Soldier dies as military helicopters collide in Iraq
  • No evidence of engine fire at Aeroflot-Nord Flight 821 crash site
  • Indonesian parliament approves privatising of three major state firms
  • Controversy after leak of preliminary report into Spanair disaster
  • Researcher claims unmarked grave contains 1950 Lake Michigan plane crash victims
  • Interim report blames ice for British Airways 777 crash in London
  • Service held in Nova Scotia on tenth anniversary of Swissair crash that killed 229
  • UK government sued over deaths in 2006 Nimrod crash in Afghanistan
  • Four British Airways executives charged with price fixing
  • Unprecedented review to be held on Qantas after third emergency in two weeks
  • British Airways enters merger talks with Iberia
  • EU maintains ban on Indonesian airlines amid accusations of political motivation
  • US military confirms three deaths after B-52 crash off Guam
  • One-Two-Go Airlines cease operating over fuel costs as legal action begins over September air disaster
  • US FAA to make airliner fuel tank inertion mandatory over 1996 air disaster
  • British Airways give medals to Flight 38’s crew
  • Honduran capital’s main airport reopens six weeks after jetliner crash
  • Death toll in Arizona helicopter collision at seven as only survivor dies
  • Continental Airlines to face charges over Air France Concorde disaster
  • Nine oil workers die as helicopter crashes in Siberia
  • Boeing 767 cargo plane seriously damaged by fire at San Francisco
  • Cargo plane crashes near Khartoum; at least four dead
  • Cargo plane crash in Sudan leaves seven dead with one survivor
  • Air safety group says airport was operating illegally without license when Garuda Indonesia Flight 200 crashed
  • Sudan Airways grounded
  • Peacekeeping helicopter crash kills four in Bosnia
  • Report finds LOT Airlines plane was lost over London due to pilot error
  • Indonesian police hand over Garuda Indonesia Flight 200 report to prosecutors
  • US B-2 bomber crash in Guam caused by moisture on sensors
  • Silverjet ceases operations and enters administration
  • Nine killed as Russian cargo plane crashes in Siberia
  • Boeing pushes back 737 replacement development
  • Airliner hijacker found working for British Airways
  • Five of six accused over 9/11 to be tried; charges against ’20th hijacker’ dropped
  • British Airways Flight 38 suffered low fuel pressure; investigation continues
  • Ex-head of Qantas freight operations in US jailed for price fixing
  • Search for Brazilian plane with four UK passengers called off after seven days
  • Spectator killed and 10 injured in German airshow crash
  • Japan Airlines fined US$110 million for price fixing
  • Indonesia angered as nation’s airlines all remain banned in EU airspace
  • All confirmed dead on Kata Air An-32, Moldova asks for Russian investigatory help
  • Airbus parent EADS wins £13 billion UK RAF airtanker contract
  • Final report blames instrument failure for Adam Air Flight 574 disaster
  • Pilot killed as Su-25 military jet explodes near Vladivostok
  • Indonesia grounds Adam Air; may be permanently shut down in three months
  • Adam Air hits severe financial problems; may be shut down in three weeks
  • Alitalia conditionally accepts joint bid by Air France and KLM
  • One year on: IFALPA’s representative to ICAO, pilot and lawyer on ongoing prosecution of Garuda Indonesia Flight 200 pilot
  • Adam Air may be shut down after string of accidents
  • Five injured as Adam Air 737 overruns Batam island runway
  • Northrop Grumman and Airbus parent EADS defeat Boeing for $40 billion US airtanker contract
  • Garuda Indonesia Flight 200 pilot released on bail
  • Concern as Garuda Indonesia Flight 200 pilot arrested and charged
  • British Airways Flight 38 investigation focuses on fuel system
  • 16-year-old arrested over alleged plot to hijack US airliner
  • 2007 was particularly good year for aviation safety
  • No injuries after Antarctica research station support plane crashes
  • Indian Air Force jet catches fire and crashes after refuelling at Biju Patnaik Airport
  • Cathal Ryan, early board member and son of co-founder of Irish flag carrier Ryanair, dies at 48
  • Indonesia’s transport minister tells airlines not to buy European aircraft due to EU ban
  • Indonesian air industry signs safety deal ahead of EU ban review
  • Australia completes inquest for victims of Garuda Indonesia Flight 200
  • Five injured as Mandala Airlines 737 overshoots runway in Malang, Indonesia
  • Calls made for prosecution in light of Garuda Indonesia Flight 200 report
  • Four killed as helicopter escorting Pakistani President Pervez Musharraf crashes
  • Dozens killed in Congo plane crash, transport minister fired
  • Death toll in One-Two-Go crash reaches 90
  • American Airlines MD-80 engine fire prompts emergency landing
  • Scandinavian Airlines System landing gear failures prompt grounding of Bombardier Q400s
  • Aircraft crashes during mock dogfight at Shoreham Airshow, United Kingdom
  • Finland scrambles fighter jet to respond to Russian aircraft
  • Preliminary report sheds light on SAS landing gear incident
  • Adam Air ticket sales revive after post-crash slump
  • Comair Flight 5191 co-pilot, pilot’s widow sue FAA, airport, chart manufacturer
  • Four Boeing 737’s found with similar fault to China Airlines plane; inspection deadline shortened
  • Pakistan test fires nuclear-capable cruise missile
  • Black boxes retrieved from lost Indonesian airliner after eight months
  • EU bans all Indonesian airlines as well as several from Russia, Ukraine and Angola
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How To Fight The Winter Blues By Raising And Breeding Crickets

By Luzerna Solon

The snowy days of winter, what does it mean for you? To most folks winter means a time of slippery sidewalks, nasty roads, flu season, and something that can be much worse for others, the Winter Blues. The winter blues does not generally happen to someone who is busy all day with things to do in the winter, because they keep active and energetic, as night time approaches, they relax and go to sleep. Now, since you have enough extra time on your hands in the winter, that it causes you to get the winter blues, lets discover a great little hobby that can help fight against it, raising and breeding crickets.

Why would anyone want to raise and breed crickets ? Because there is a good demand for crickets for numerous purposes. Many fishermen use crickets as one of their favorite live baits for bass, bluegill, crappie and numerous other species of fish. Also numerous pet owners feed their reptiles and amphibians a large amount of live crickets, and there are pet stores, who will always be needing a good supplier of live crickets for their customers.

You will need a home to raise and breed your crickets in, an aquarium with a screen type lid will work fine, the larger the aquarium the better, aquariums are also one of the safest containers to use for crickets. Some people use the large plastic tubs or containers with lids, from discount stores, the large containers or bins are often quite cheap to purchase, compared to an aquarium, but they are more dangerous to use. The danger is because crickets need to be kept warm, and a nice temperature to keep them at is around 77 degrees, it does not have to be exactly 77 degrees, they can go up to 81 or down as low as 74, but they seem to breed and live the best when they are kept around 77 degrees.

[youtube]http://www.youtube.com/watch?v=pzNRIOrwPJM[/youtube]

There are different kinds of heating items available from pet stores, you can get heating pads for reptiles and snakes that are made to be placed under the aquariums or tanks, these are often called U.T.H or ‘ Under Tank Heaters ‘. These heating pads are great for keeping the crickets warm, as they have a thermostat for constant temperature control. If you use a plastic type container, there is a lot more caution needed to guard against softening or actually melting the container, possibly causing a fire or having the crickets escape, so play it safe and choose a heavy duty glass type container or some other fire safe housing, and a heating source that cannot start a fire.

Crickets like to hide and live inside things, some people place empty wrapping paper tubes inside their crickets home for cave like shelters, while other people actually use outdated, but not moldy loaves of Italian bread. If you want to place a loaf of plain Italian bread inside the container, slice it down the middle and hollow out a lot of the inside, then hold the bread back together with a couple rubberbands, and cut off each end of the bread to make for entrance holes. Crickets love hiding inside the hollowed out bread loaf, and they love eating the bread, so it’s the best of both worlds for them.

Besides the bread loaf you should also add a small dish of other food to make sure the crickets get plenty of nutrients to keep them healthy, such as a couple slices of a raw potato, apple, or even a raw carrot that’s been sliced up a little, also make sure they have a shallow dish of unclorinated water to drink. You will need another container that will be used as an egg laying area by the pregnant female crickets. They like to deposit their eggs in a moist type of soil, so a little container or natural sand that is damp works well, while some folks also use buss bedding, that’s been dampened. Every once in awhile you must gently spritz the sand or bedding with unclorinated water, to keep it moist, if it dries out the eggs will die, and you will lose the brood.

Soon you will see a nice batch of tiny young crickets, that will grow rapidly into healthy adults, you can start removing any of the large adult crickets into their own containers if you want, to start selling to pet stores, or use them as live food for any reptiles and amphibians that you may have. Raising and breeding crickets is something that can easily be done in any home or apartment, some folks set up the entire operation in closets, back rooms or some other obscure place, it’s a great way to help fight the winter blues.

There is a website that describes numerous activities and other methods to help eliminate the Winter Blues, this website is called: Winter Activities – and it may be found at this url: http://www.winter-activities.com

You may publish this article in your ezine, newsletter or on your web site as long as it is reprinted in its entirety and without modification except for formatting needs or grammar corrections.

About the Author: Luzerna Solon, has worked in the field of depression and other aspects involving the Winter Blues for a number of years. She has counseled thousands over the years, and has helped them remove the winter blues from their life with simple activities. Winter Activities

winter-activities.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=656415&ca=Self+Help

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University of Chicago’s Mansueto Library suffers power outage

Monday, May 30, 2011

The University of Chicago’s Joe and Rika Mansueto Library was shut down by a power outage for a short time on Saturday, preventing library personnel from providing full services to its patrons.

The US$81 million library, which opened May 16, includes a 180-seat reading room under a 691-panel glass dome. Five stories underground, a system of five cranes retrieves books sorted into bins, carrying a maximum of about 3.5 million volumes. As of 3:50 p.m. CDT, the automated storage and retrieval system, along with staff computers at the circulation desk, were shut down, preventing patrons from retrieving materials stored underground.

The glass ceiling normally allows enough natural light to pass, but rain clouds in the area darkened the room. Patrons began to flip light switches in front of their seats, but to no avail, and a circulation clerk announced that there had been a power outage. Some patrons then moved to the adjacent Regenstein Library, which still had power. Power was still running along the corridor linking Mansueto and Regenstein Libraries, along with the nearby restrooms and Special Collections Research Center.

An electrician arrived at the building at around 3:50 p.m., and power had been restored by 5:45 p.m.

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Uncategorized

Ancient Egyptians collected wild ibis birds for sacrifice, says study

Saturday, November 16, 2019

In findings published on Wednesday in the journal PLOS ONE, an international team of scientists report ancient Egyptians captured sacred ibises (Threskiornis aethiopicus) from the wild for use in ritual sacrifice rather than domesticating the birds.

Millions of mummified ibis birds have been found in Egyptian tombs and catacombs in Saqqara and Tuna el-Gebel, and Egyptologists have reported they were sacrificed to the god Thoth, who is often depicted with the head of an ibis, the way Horus is shown with the head of a falcon and Bast with the head of a cat.

Lead author Sally Wasef of Australia’s Griffith University explained to the press, “The ibis was considered [to represent] the god Thoth, the god of wisdom, the god of magic, the god of judgment, writing all sorts of things […] If you had a boss that annoys you and you don’t feel like you are getting a good judgment from him or you want fairness and justice, you go and ask Thoth to interfere and in return you promise to offer him an ibis, a mummified ibis, in his annual feast.”

Some scholars have suggested Egyptians raised or farmed the birds to make them available in the necessary numbers. While some ancient Egyptian writers made passing mention of feeding bread and plants to ibises, according to Wasef archaeologists have not yet turned up any hatchery structures.

The team collected DNA samples from mummified birds collected from six separate catacombs including sites at Abydos, Saqqara, and Tuna el-Gebel with permission from the Egyptian Ministry of State for Antiquity, and several museums offered to send tissue samples from the mummified ibises in their collections. They were able to extract complete mitochondrial DNA sequences from fourteen. These they compared to those of 26 modern ibises from different parts of Africa — ibises of this species disappeared from Egypt itself during modern times. They found the DNA sequences from the ancient birds to be relatively diverse. If the birds had been domesticated or even heavily farmed, they reasoned, the Egyptian specimens would have shown only a little genetic diversity.

Wasif suggested, in likelihood, “next to each temple there was like a lake or a wetland — it is a natural habitat for the ibis to live in and if you are giving them food they will keep coming[.]”

According to the researchers, sacrifice and mummification of sacred ibises was common in Egypt from about 664 b.c.e. to 250 c.e., from the twenty-sixth dynasty into the early period of Roman Egypt.

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Basic Assumptions Of Long Term Care Insurance

By Jack Rosenberg

If you or a loved one has reached the age wherein once simple activities have become increasingly difficult, then your probably already aware of how intensive and pricey some of the necessary proceedings are. Needless to say, you are not the only one dealing with this unfortunate predicament. Studies show that nearly 10 million individuals over the age of 65 are requiring some sort of long term care. This number is constantly growing and is expected to exceed ten million individuals in less than ten years time. Central to the increasing need for long term care are the families of the loved ones who require it, as the family itself normally assumes a caregiver role. Individuals and their families have the option of applying for long term care, but need to identify this unique insurance’s pros and cons. This article offers help to those considering long term care and those who already are utilizing it by identifying a general definition of what LTC is, contrasting details between health insurance and long term care, and necessary costs.

LTC Basics

When you purchase a long term care policy, the benefits that it offers come into play when the policy holder needs coverage for care after they’ve become unable to do daily activities. Examples of certain coverage include nursing home facilities (whether they be in home or out of home), assisted living, Altzheimer’s facilities, and more. The majority of individuals who acquire coverage provided by long term care have illnesses that are not traditional. Meaning, the person in need of care cannot do activities that were once a part of their regular routine such as eating, dressing, bathing, or walking on their own. The benefits of long term care typically go into effect when two or more of these activities cannot be completed on the individuals own, usually for at least 90 days.

Health insurance vs. Long Term Care

[youtube]http://www.youtube.com/watch?v=zqHfser_9_s[/youtube]

Typical health insurance varies from long term care on grounds of caregiver compensation, with the insurance agency directly funding the caregiver’s operations. Long term care, however, has different financial terms. LTC requires that the policy holder first pay for care on their own. Once they’ve funded whichever service needed, the insurance agency reimburses the individual so long as they can provide proof that services were rendered. In addition, an elimination period is attached to long term care policies, which is a length of time where a person is required to pay for care before the individual pursues a claim for reimbursement. This waiting time can be as short as less than a month (20 days minimum) or as long as four months. Typical elimination periods are three months time. Elimination periods can be tedious, however often times a longer elimination period will result in lower premiums.

Necessary Costs

You can expect some of the same cost patterns of insurance with long term care as you would see with other insurance products. The more you pay in premiums, the more coverage you’ll have. For instance, you’ll pay more for five years of coverage than you would for two years of coverage. In addition, the amount of money you’ll need to spend depends on both the insurer and the policy chosen.

The time at which you choose to buy long term care has heavy cost implications. With that being said, the ideal age to buy long term care would be mid 40’s to early 50’s because purchasing early can secure lower premium rates. The rates that you receive earlier on are lower, but are not guaranteed to remain the same. Meaning that the insurance provider doesn’t have the power to raise the individual rate, but they are granted the right to raise the rate of blocks. Raising the rate of blocks means that more often than not, you’ll end up paying more as you get older because the older you get the more likely you are to file a claim.

Concluding Remarks

An optimal outcome of long term care products is most likely if you have a legitimate emergency fund for two reasons. The first is that this fund will provide money on hand to pay for care before the care is even needed. The second is so you can self insure, which often delineates you from expensive premiums upon purchase.

About the Author: Consumer resources as well as information for

Business Owners

is readily available at

ltcfp.com

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1671497&ca=Finances

Ontario Votes 2007: Interview with Communist Party candidate Shona Bracken, Toronto Danforth

Sunday, October 7, 2007

Shona Bracken is running for the Communist Party in the Ontario provincial election in Toronto—Danforth. Wikinews interviewed her regarding her values, her experience, and her campaign.

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Wikinews interviews Joe Schriner, Independent U.S. presidential candidate

Saturday, April 17, 2010

Journalist, counselor, painter, and US 2012 Presidential candidate Joe Schriner of Cleveland, Ohio took some time to discuss his campaign with Wikinews in an interview.

Schriner previously ran for president in 2000, 2004, and 2008, but failed to gain much traction in the races. He announced his candidacy for the 2012 race immediately following the 2008 election. Schriner refers to himself as the “Average Joe” candidate, and advocates a pro-life and pro-environmentalist platform. He has been the subject of numerous newspaper articles, and has published public policy papers exploring solutions to American issues.

Wikinews reporter William Saturn? talks with Schriner and discusses his campaign.

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