Determining the loan purpose: The new challenges [Part 1]

first_img 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr One of the common threads running across the new Uniform Residential Loan Application (“URLA”), the disclosure requirements of Regulations X and Z (“TRID”), and the reporting requirements of Regulation C (“HMDA”) is the requirement that the lender identifies the loan purpose.[1]  It is possible for the loan purpose to be the same for the new URLA and under TRID and HMDA.  This blog examines the need to recognize that the loan purpose may be different for each and what lenders can do to prepare for that eventuality.Can there be more than one loan purpose choice for a single-purpose loan?Consider the following single-purpose loan.  A prospective borrower takes title to a dwelling with an existing loan as a successor-in-interest.  The loan is assumable with the lender’s approval but the prospective borrower only seeks approval after taking the title.  The prospective borrower selects “Purchase” for the loan purpose on the new URLA. But is that it—is the loan purpose “Purchase” for the URLA and under TRID and HMDA? continue reading »last_img read more

Gayle to VC world cup squad

first_imgCMC – TALISMANIC West Indies opener Chris Gayle has been named vice-captain for the upcoming World Cup, which is expected to be his swansong from the one-day format.Cricket West Indies announced Monday that the 39-year-old would serve as Jason Holder’s deputy for the May 30 to July 14  tournament ,while young stroke-maker, Shai Hope, will be vice-captain for the ongoing Tri-Nations Series here which started on Sunday and ends May 17.Gayle, the most experienced player in the Windies World Cup squad, is a former West Indies captain, having led the Caribbean side in 53 One-Day Internationals and 20 Tests between 2007 and 2010.The left-hander, who has featured in 289 ODIs and scored 10,151 with 25 hundreds, earlier this year signalled his intention to retire following the World Cup.“It is always an honour to represent the West Indies in any format and this World Cup for me is special,” Gayle said of his appointment as vice-captain.“As a senior player, it is my responsibility to support the captain and everyone else in the team. This will probably be the biggest World Cup, so there will be great expectations and I know we will do very well for the people of the West Indies.”He will be a pivotal player for West Indies in the World Cup, having displayed tremendous form in the recent ODI home series against England where he plundered 424 runs to be adjudged Man-of-the-Series.Hope, meanwhile, has emerged as the Windies’ most consistent ODI batsmen in recent times.He marked his 50th match on Sunday with a superb 170 against Ireland as West Indies opened the Tri-Nations Series with a handsome 196-run victory.The right-hander has already scored 1947 runs with five centuries and averages 48.67.“It’s a tremendous honour to be appointed vice-captain for this series here in Ireland,” he said.“Ahead of this tournament I was asked to take on this role and I was happy to accept. Anything I’m asked to do for West Indies cricket I’m always happy and willing to put my hand up, so this is great.”West Indies take on Bangladesh in their second match of the Tri-Nations on Tuesday here.Gayle, however, is not part of the squad, due to his commitments with Kings XI Punjab in the ongoing Indian Premier League.last_img read more

Carting becoming increasingly popular in B&H

first_imgIf you are not destined to drive a Formula 1 like Michael Raikkoner or Michael Schumacher, it is never too late to gain fame – at least on carting tracks. Especially if you compete with friends or colleagues from work.Carting is a mega popular car sport in the world where participants manage motor vehicles on tracks of circular form, which are often changed so as to avoid the boredom among the drivers. Indoor carting is becoming increasingly popular as well, and there is one in Sarajevo as well.Aner Bijedić, employee of the Carting Center, said that this type of recreation offers a dose of adrenaline and gathers youngsters and adults every day, who are coming there to feel like real, professional drivers. The Center owns a 200 meters long track which is more than long enough for great fun and forgetting about everyday problems at least for a while.Although the carting vehicles are usually miniature and can speed up to 240 kilometers per hour, here they are safe even for the youngest drivers.“Carting is made for fun. Children can drive them already from 12 years of age and up because they have adjustable pedals and seats, so the sport became quite attractive for the entire family,” Bijedić said.Safety comes first, of course. Before you get behind the wheel, which is quite heavy, putting on the helmet and gloves is mandatory.(Source: fakttor.ba/ photo klix)last_img read more

‘More cohesive’ Blackwater getting the job done

first_imgPhivolcs records 2 ‘discrete weak ash explosions’ at Taal Volcano GALLERY: Barangay Ginebra back as PBA Governors’ Cup kings DiGregorio has played a huge part in that spurt, shooting 50-percent from thre  to average 23.5 points, 4.0 assists, and 3.0 rebounds in the Elite’s last two victories.His blazing performance was the reason why the Elite broke away from the Picanto in the third period, firing 14 of his 21 points in the frame to give his team a much-needed 77-65 cushion.DiGregorio, though, said that with how things are going with Blackwater, anybody can be the hero for the squad any given day.“It just so happens that I had the hot hand, the big game. But we have a lot of good players,” he said. “The last two games were my night, the next two could be Allein’s night, Mac’s night. Poy has been a beast and he’s playing great every single game. It just so happened that I have the hot hand the last two games, but it could be anybody.”The Elite aim to formalize their entry to the quarterfinals when they take on NLEX on Sunday and Phoenix on Wednesday.ADVERTISEMENT Nueva Ecija warehouse making fake cigarettes raided, 29 Chinese workers nabbed It took time, but the Elite are finally playing to their potential. They scored an upset over San Miguel last week before doubling down on the Picanto on Friday.“I think we have a great team. I think Poy (Erram) is a great player, same with Mac Belo, Allein (Maliksi). We also have great role players and veterans,” said DiGregorio.FEATURED STORIESSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crownSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkDiGregorio is crediting this belated Blackwater run for a playoff berth to players sticking to their roles.“Nothing changed really. We’ve just been playing a lot more cohesive and more as a team. We’re jelling a lot more together,” he said. Sea turtle trapped in net freed in Legazpi City Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Steam emission over Taal’s main crater ‘steady’ for past 24 hours LATEST STORIES “We took care of our first game, but the job’s not done. If we take care of the next two, then there won’t be any problem,” said DiGregorio. “Our fate is in our hands. If we take care of business, we have a great chance.”Sports Related Videospowered by AdSparcRead Next It’s too early to present Duterte’s ‘legacy’ – Lacson View comments MOST READ UK plans Brexit celebrations but warns businesses may suffer Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Raqraquin, San Beda not discouraged by NCAA Finals game 1 loss Phivolcs records 2 ‘discrete weak ash explosions’ at Taal Volcano Don’t miss out on the latest news and information. Photo by Tristan Tamayo/ INQUIRER.netWith Blackwater winning its last two games, Mike DiGregorio likes his side’s odds of making it to the 2018 PBA Philippine Cup quarterfinals.“I think our chances are great,” he said as the Elite improved to 4-5 after a 95-76 win over Kia. “We hold our own destiny if we take care of business.”ADVERTISEMENTlast_img read more

How Rocks Can Look Older Than They Are

first_imgResearchers find that the most common dating method can produce “spuriously old” dates.A team from Europe took a closer look at how uranium-lead ages are determined, and found problems. One of the assumptions going into dating zircons (zirconium silicate crystals encasing uranium that decays to lead) is that the clock is “reset” when the parent rock under goes the high heat and pressure of metamorphism. This team found that nanosphere inclusions of extraneous metallic lead (Pb) can confuse the dating technique, making the rock look older than it is. Writing in PNAS, they say:Zircon (ZrSiO4) is the most commonly used geochronometer, preserving age and geochemical information through a wide range of geological processes. However, zircon U–Pb geochronology can be affected by redistribution of radiogenic Pb, which is incompatible in the crystal structure. This phenomenon is particularly common in zircon that has experienced ultra-high temperature metamorphism, where ion imaging has revealed submicrometer domains that are sufficiently heterogeneously distributed to severely perturb ages, in some cases yielding apparent Hadean (>4 Ga) ages from younger zircons.The paper provides what they feel are safeguards to prevent erroneous dates. It appears, however, that this finding overthrows common assumptions used in the dating technique.The reliability of the oldest zircon ages, which include some reversely discordant analyses (i.e., with U–Pb ages older than 207Pb/206Pb ages), has been questioned based on evidence from ion imaging for disturbance of the U–Pb system. This is important because 207Pb/206Pb ages are generally considered to be more robust than U–Pb ages for older zircons. However, if radiogenic Pb has been decoupled from its parent U and not locally incorporated into the crystal lattice during an ancient geological event, when radiogenic 207Pb/206Pb values are significantly higher than at present, reverse discordance and spuriously old 207Pb/206Pb age estimates may result.In other words, the more lead in the crystal (“decoupled from its parent U”), the more a scientist might infer that it is billions of years old, when some of that lead got mixed in when a younger rock underwent metamorphism. Science Daily has a photograph of nanospheres of metallic lead embedded inside a zircon under the headline, “True ages of rocks might be distorted through Earth’s history.” Moreover, since the nanospheres are not uniformly distributed, the date could depend on the sample selected, like a biopsy missing the cancer. “The inhomogeneous distribution of lead in zircon might adulterate the ages measured with high-spatial resolution ion probe technique.”Update 4/13/15: Smithsonian scientists used zircons to date the formation of the Panama land bridge, according to Science Daily and Science Magazine (see full paper in Science). This is supposedly the time when North American animals could reach South America. The new date of 13-15 million years “could rewrite the geological history of the Americas,” Lizzie Wade writes in Science Magazine, because it is “more than 10 million years earlier than previously thought.” A lot of evolutionary weight is being placed on these zircons.In the ICR publication Acts & Facts, Dr. Vernon R. Cupps has been publishing a detailed analysis of how results can be corrupted in radiometric dating.  He has shown numerous ways that deceptively old dates can be produced, depending on the assumptions used. The mathematical techniques are sound, but like with computer programs, wrong assumptions can make for garbage-in, garbage-out conclusions.  Those interested may wish to study this new PNAS paper to see how often this problem occurs in practice. (Visited 58 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Now It’s Cool to Praise Neanderthals

first_img(Visited 443 times, 1 visits today)FacebookTwitterPinterestSave分享0 Long the brunt of jokes, Neanderthals are trending upward in respect. Scientists keep finding things to admire in our ‘archaic’ brethren.Neanderthals hunted in bands and speared prey up close (Phys.org). Spear marks in fallow deer bones indicate to German paleoanthropologists that Neanderthal hunters could teach moderns a few things about bringing home the venison.Neanderthals were capable of sophisticated, collective hunting strategies, according to an analysis of prehistoric animal remains from Germany that contradicts the enduring image of these early humans as knuckle-dragging brutes….It was long thought that these evolutionary cousins—modern Europeans and Asians have about two percent of Neanderthal DNA—were not smart enough to compete, and lacked symbolic culture, a trait supposedly unique to modern humans.But recent finds have revealed a species with more intelligence and savoir faire than suspected.They buried their dead in ritual fashion, created tools, and painted animal frescos on cave walls at least 64,000 years ago, 20,000 years before homo [sic] sapiens arrived in Europe.The use of tontological verbs masks the identity of the people who were wrong about these ‘sophisticated’ humans. Who created the “enduring image” of dumb Neanderthals? Who “long thought” that they were not smart enough to compete? Who “suspected” they lacked intelligence? It was Darwinians, not young-earth creationists, who have always viewed Neanderthals as fully human descendants of Adam and Eve.In chapter 6 of his recent book Evolution’s Blunders Frauds and Forgeries, Jerry Bergman debunks the mistaken belief that facial angle was an indicator of intelligence.Why the Neanderthals may have been more sophisticated hunters than we thought – new study (The Conversation). Writer Annemieke Milks, a PhD candidate in anthropology, may represent a new generation willing to promote Neanderthals to the respect they have been denied by earlier evolutionists. Having been taught they were too stupid to use spears for hunting, she investigated the evidence that Neanderthals did indeed use spears in sophisticated ways, including long-distance throwing. She sneaks in some evolutionary assumptions here and there (belief in the long ages, and comparison to chimpanzee hunting with tools), but her conclusion is quite different than writers in the mid-20th century and earlier.The innovation of long-distance weaponry lies at the heart of questions around hunting strategies of different species of Homo. If Neanderthals were capable of powerful and accurate throws and some of their weapons were capable of flight, then differences between their hunting technologies compared with our own species may not be as great as is often suggested.The findings are compelling because they provide clear evidence that Neanderthals used spears as penetrating weapons to kill their prey, laying to rest hypotheses that early spears were ineffective. With mounting evidence that Neanderthals were clever, creative and capable, the results make a lot of sense. Given that our own species has not yet existed as long as the Neanderthals did, we should reconsider our tendency to underestimate them.Neanderthal brain organoids come to life (Science Magazine). A new technique is allowing scientists to begin glimpsing the Neanderthal brain, Jon Cohen reports. Researchers can grow organoids (clumps of tissue) from ancient DNA.Until now, researchers wanting to understand the Neanderthal brain and how it differed from our own had to study a void. The best insights into the neurology of our mysterious, extinct relatives came from analyzing the shape and volume of the spaces inside their fossilized skulls.But a recent marriage of three hot fields—ancient DNA, the genome editor CRISPR, and “organoids” built from stem cells—offers a provocative, if very preliminary, new option. At least two research teams are engineering stem cells to include Neanderthal genes and growing them into “minibrains” that reflect the influence of that ancient DNA.The unpublished work could be incapable of deriving any sound conclusions about Neanderthal intelligence, admittedly. In fact, the pioneer of Neanderthal DNA rescue has serious doubts:Svante Pääbo, director of the Max Planck Institute for Evolutionary Anthropology in Leipzig, Germany, expects the work to draw skepticism because it’s so difficult to figure out which genetic differences are “functionally relevant,” and the organoids only represent the early stage of brain development. “Organoids are far from being able to tell us how adult brains function,” says Pääbo, who led the team that deciphered the Neanderthal genome by rescuing DNA from their bones. His group has also started to make organoids with Neanderthal brain genes, but he stresses that the technique can introduce unintended mutations. “There are lots of control experiments to do, and then I’m quite hopeful we’ll overcome those doubts,” says Pääbo, who plans to compare Neanderthal brain organoids to those made from chimpanzee or modern human cells.Speculative claims in the article that certain growth patterns resemble those seen in autistic children cannot be taken seriously. One researcher commented, “we have no idea what it means,” which leaves open the possibility that Neanderthal brains were actually superior to ours. It’s hard to imagine a population of autistic humans thriving for millennia. As Milks said above, “Given that our own species has not yet existed as long as the Neanderthals did, we should reconsider our tendency to underestimate them.”Speaking (or Misspeaking) of Human EvolutionCranium of a four-million-year-old hominin shows similarities to that of modern humans  (Science Daily).  “The ‘virtual’ revisiting of a fossil described as ‘the oldest evidence of human evolution in South Africa’ shows surprising results,” this article says. It presents two challenges to evolutionary assumptions: (1) the skull of this creature classified in the genus Australopithecus has the same kind of bone structure that we have. (2) A skull of Paranthropus (an ape) has a different kind of bone. “This result is of particular interest, as it may suggest a different biology,” the authors say. The evidence appears too fragmentary to draw any conclusions about evolution.How did Homo sapiens evolve? (Science Magazine). Chris Stringer and Julia Galway-Witham opine again on the never-ending quest for “understanding” a subject that most human beings deny: that we came from apes. The correct inquiry should be, “Did humans evolve?” not “How did humans evolve?” Nobody outside the Darwin Party, however, is allowed to ask the right question. We see right from the first paragraph how evolutionary chutzpah runs into the brick wall of surprises, contradictions, and complexity.Over the past 30 years, understanding of Homo sapiens evolution has advanced greatly. Most research has supported the theory that modern humans had originated in Africa by about 200,000 years ago, but the latest findings reveal more complexity than anticipated. They confirm interbreeding between H. sapiens and other hominin species, provide evidence for H. sapiens in Morocco as early as 300,000 years ago, and reveal a seemingly incremental evolution of H. sapiens cranial shape. Although the cumulative evidence still suggests that all modern humans are descended from African H. sapiens populations that replaced local populations of archaic humans, models of modern human origins must now include substantial interactions with those populations before they went extinct. These recent findings illustrate why researchers must remain open to challenging the prevailing theories of modern human origins.Stringer and Galway-Witham plunge into complexities about dates, classification, migration patterns, and all the usual surprises that upset the paleoanthropology applecart every year. None of the “complexities” mentioned in the quote above were predicted by evolutionary anthropologists. Each one came as a total surprise. How can anyone trust their confidence about the “cumulative evidence” that they claim still “suggests” their main outline of a theory is correct?These are the same class of experts, perceptive readers will recall, who were telling us the Neanderthals were dumb brutes. At least we can agree with their last sentence: “With the growing influx of new analytical techniques and discoveries within and outside Africa, it is imperative that researchers continue to rigorously challenge our theories and that they remain aware of their limitations.“last_img read more

Fredericks beats the best in Glasgow

first_img1 August 2014Cornel Fredericks beat a world-class field that included the reigning world champion to claim gold in the 400 metres hurdles at the Commonwealth Games in Glasgow on Thursday, while the country’s lawn bowlers continued to shine.By day’s end, South Africa had won 11 gold, 10 silver and 15 bronze medals, bringing their total to 36 medals, already three more than the team won in Delhi in 2010, but with one gold medal less. Those figures could improve over the next few days.400m hurdles winnerFredericks defeated a line-up featuring reigning world champion Jehue Gordon to take the title in the 400 metres hurdles. He stopped the clock in 48.50 seconds, with Trinidad and Tobago’s Gordon placing second in 48.75 and Jeffrey Gibson of the Bahamas third in 48.78.Describing his title-winning effort, Fredericks said: “As I ran round the final bend I remembered my former coach from the UK, Bruce Longden, tell me to ‘stay tall and run fast’, and that came into my mind. I just stayed tall and gave my everything.“Yesterday I told myself I needed a good lane draw, so ensured I won the semi,” he continued. “This season I have raced well against top athletes and I trained hard in the off-season. Today it paid off in the major championships.”800m bronzeAndre Olivier added a bronze medal to the South African haul when he finished third in a tactical final to the 800 metres. Olivier’s training partner, Nijel Amos of Botswana, outsprinted world record holder David Rudisha to win the gold.“I wasn’t wanting to get tangled with Nijel, so moved wide to get space. Over the last 50m, I just closed my eyes and went for the line, as I saw Nijel and Rudisha racing for gold,” Olivier said, after clocking 1:46.03.“We knew Rudisha would not take it out too quick, around 51, 52 seconds, so we just had to get ourselves into a good position for the last 100 and just go for it.“The goal since we started training in December was Commonwealth Games,” he added. “The coach was saying we want medals, medals and it’s been about medals at the Commonwealth since then.”Personal best in 200mAkani Simbine qualified for the final of the 200 metres, but Wayde van Niekerk, after his efforts in winning silver in the 400 metres the previous evening, missed out. In the medal race, Simbine finished fifth in a personal best of 20.37 seconds as Jamaica took a 1-2-3, with Rasheed Dwyer claiming the title.Wenda Theron contested the final of the women’s 400 metres hurdles but was disqualified, while Victor “Hulk” Hogan had a disappointing discus competition in the cold and wet conditions.He had two no-throws and a poor third throw of 56.42m, which meant he didn’t qualify for the final three throws. Hogan had topped his qualifying group with a distance of 64.16 metres, which was better than Vikas Shive Gowda’s gold medal winning distance.Lawn bowls team’s golden recordThe bowlers gave Team South Africa an early boost when they won the Open Triples B6/7/8 title, defeating New Zealand 13-11 in the final. That victory gave South Africa a record fourth gold medal in a single Commonwealth Games and bettered their table-topping haul of three golds in India four years ago.Playing in testing conditions that changed back and forth from drizzle to sun, the combination of Deon van der Vyver, Roger Hagerty and skip Derrick Lobban, took an early lead out to 7-1 after four ends, but conceded shots back to even pegging at 7-7 with 8 ends remaining. The South Africans, however, picked up their game and came away with the win.“It was a ding-dong battle from midway to the end,” Hagerty said afterwards. “It’s got to be the pinnacle of my bowls career in both able-bodied and disabled,” he added.“Hopefully they can build off this to get a higher profile [for bowls]. It’s a game of skill, and we need to use the [gold] medals of the visually impaired and disabled side to raise the profile of para-bowls.”Bowls’ bronzeSusan Nel, Santjie Steyn and Esme Steyn won bronze in the women’s trips by beating Wales. The teams were level at 10-10 when the Welsh picked up four shots, but from that point on it was all South Africa as they coped well with the rain to run out 23-14 winners.There is a possibility of a further gold medal for Team South Africa in the bowls’ competition after the ladies pairs’ duo of Colleen Piketh and Tracy Lee Botha defeated Wales and Jersey to secure a place in the final.Wrestling medalIn the wrestling arena, meanwhile, Armando Hietbrink seemed almost stunned by the suddenness of it all after he claimed a bronze medal in the 86kg class by pinning Kenya’s Peter Onyango Omenda in just 42 seconds.Hockey semi-finals missOn the hockey pitch, the South African men’s team missed out on the semi-finals when they were beaten 5-2 by India. With Andrew Cronje and Jonty Robinson sidelined by injuries, coach Fabian Gregory had only three players on his bench.The Indians were at their best in the first half, tearing South Africa apart to race into a 4-0 halftime lead. Showing impressive character, Austin Smith and company hit back with two goals after the break, scored by Taine Paton and Smith, but India found a fifth goal with 13 minutes left to secure their passage into the final four.Time trial disappointmentCyclists Ashleigh Moolman Pasio and Heidi Dalton finished well out of the running in the time trial, with Moolman Pasio placing 15th and Dalton 20th. New Zealand’s Linda Villumsen took victory to win the 600th medal for New Zealand in the history of the Commonwealth Games.“It was a tough course. I really hadn’t focused on this event. It’s the road race where I have the medal potential,” Moolman told reporters. “It was good to get on the road, but it was not a good result for me.”MedalsAt the close of competition on Thursday, England topped the table with 44 gold, 40 silver, and 39 bronze medals, for a total of 123 medals in all.Australia was in second place with 36 gold, 36 silver and 41 bronze medals and 113 medals overall.Canada, with 27 gold, 13 silver and 25 bronze medals, was in third, having won a total of 65 medals.Scotland was in fourth, India fifth, New Zealand sixth and South Africa remained in seventh place.last_img read more

South Africa celebrates Africa Day

first_img22 May 2015Celebrate Africa Month by visiting the We Are Africa design and innovation exhibition at the KwaZulu-Natal Society of Arts (KZNSA), in Glenwood, Durban, which is on until 7 June.Africa Day is held on 25 May each year across the continent to mark the founding of the Organisation of African Unity – now known as the African Union – in 1963. It is a celebration of the diversity of and a call to unity for the continent.South Africa is celebrating Africa Day with a month-long celebration of what it means to be African. Africa Month sees a festival of ideas and cultural exchange with the aim of promoting and strengthening the creative economy, cultural diplomacy and social cohesion. The theme for Africa Month is: “We are Africa – opening the doors of learning and culture to promote peace and friendship from Cape to Cairo.”“We believe our programme will contribute to the attainment of the African Union’s vision 2063, which strives for an integrated, prosperous and peaceful Africa, driven by its own citizens and representing a dynamic force in the global arena,” said Arts and Culture Minister Nathi Mthethwa.ExhibitionAs part of the festivities, his department, in partnership with Design Indaba, is presenting the We Are Africa themed exhibition. It brings together the work of 55 designers and innovators from 16 countries across the continent, including Senegal, Ghana, Zimbabwe, Ivory Coast, Ethiopia, Malawi, Kenya, Cameroon, Uganda and South Africa.It provides a visual survey of emerging, established and unexpected talent in the fields of ceramics, fashion, jewellery, furniture, textiles, graphics, animation, architecture and industrial design. The work featured at the exhibition was selected and sourced by Design Indaba, through a call for entries put out to creative communities across the continent.“It is exciting to see the level of craftsmanship and innovation that African creatives are producing right now. In celebration of Africa Month, we hope the exhibition will continue this trajectory, inspiring others to contribute to our continent’s creative future,” said Kim Seeliger, the Design Indaba expo manager.Africa Month aims to increase appreciation and demand for arts and culture as well as goods and services, all in the hopes of stimulating competitive intra-Africa trade. Activities take place across the country and include music, literature, theatre, visual arts, film, fashion, food, seminars, exhibitions, lectures and panel discussions.AnthemMeanwhile, schools throughout the country will mark Africa Day by singing the AU anthem during assembly. The Department of Basic Education said a ministerial directive had been issued to all provincial education departments to instruct schools across the country to call special assemblies at 8am on 25 May.The AU, which comprises 53 member states, aims to promote greater unity and solidarity between African countries as well as accelerate the political and socio- economic integration of Africa. It is also at the forefront of the drive for peace, security and stability on the continent.Cultural congressIn Johannesburg, the fourth Pan-African Cultural Congress will start on Africa Day, running until 27 May, at the Sandton Convention Centre.The theme is “Unity in cultural diversity for Africa’s development”. The congress is being held by the AU Commission in collaboration with South Africa’s Department of Arts and Culture. It will be attended by cultural experts, policy makers, private sector and civil society organisations working in the arts and culture sector.The objective of the congress is to take stock of the challenges and record good practices on harnessing cultural diversity to enhance development. Specific objectives include:To facilitate the exchanges of ideas and experiences among arts and culture professionals, researchers, creators/producers of culture, decision/policy makers in the area of cultural diversity in Africa;To organise a thematic exhibition on African shared values and the spirit of pan-Africanism to showcase Africa’s creative and cultural potential with a view to boosting sustainable development; andTo provide pointers for the development of the first 10-year implementation plan for Agenda 2063 as it particularly pertains to Aspiration 5 and other related focus areas and flagship projects.SAinfo reporterlast_img read more

[Infographic] Pay Attention to Mobile App Permissions!

first_imgWhat it Takes to Build a Highly Secure FinTech … Role of Mobile App Analytics In-App Engagement Why IoT Apps are Eating Device Interfaces Tags:#mobile#privacy#security Related Posts center_img When you download an app from the Android Google Play store, it will prompt you to accept the permissions it requests from your device. Most people do not pay attention and simply download the app. This is a bad idea. Left unchecked, app permissions can open your device to possible data theft, spam and malware.An Android app can ask for 124 different types of permissions. According to a study by the UC Berkeley Electrical Engineering and Computer Sciences department in February, 33% of Android apps request more permissions than they need. The researchers asked users if they understood what the permissions requested by an app actually were for, and 97% of those surveyed could not correctly identify what all the app permissions were used for. For instance, when an app requests access to your device storage, what is it actually asking for? Can it modify or delete your USB storage, and why would it want to do such a thing? When it asks for access to your accounts, which accounts does it want? If it requests SMS privileges, do you know whether it could text premium pay services on your behalf? These are all serious questions, yet most people just click “download” and start using the app.Researchers found that only 83% of Android users paid attention to permissions when installing an app and 42% did not know what permission were for. This could prove problematic for users who prefer to keep their personal information secret. Most apps from reputable developers play by the rules when it comes to how permissions are used. But that is not always the case. The mobile social network Path was caught uploading users’ contacts from their address books to Path’s servers without permission. Path apologized and said it wiped its servers of the purloined data, but less scrupulous developers have little incentive to do so when the data gleaned from a device through broad permissions is lucrative enough. There are a few basic rules to follow when downloading an app. First, where is it coming from? The Apple App Store can generally be trusted, as it pre-screens all apps before publishing them. A few apps have been discovered behaving badly (Path, for instance), but Apple cracks down quickly on apps found to violate its terms of service. Yet Apple does not explicitly show the permissions an app has been granted upon download the way Android does. Google Play is a different matter. Publishers are not subjected to the same type of pre-screening that iOS apps are, and even though permissions are listed upon download, what you think an app is doing may be different from what the app actually does. Downloading an app is like making any other type of purchase. Instead of opening your wallet willy-nilly and downloading whatever seems interesting, do some research. Read reviews and check comments about the app. Does developer have a good reputation? Do the permissions make sense for what the app is supposed to do? An RSS reader, for instance, probably does not need access to your smartphone’s camera. If it does ask for that permission, even though there is no plausible reason for it, do not download that app.[Infographic courtesy of McAfee.] dan rowinski The Rise and Rise of Mobile Payment Technologylast_img read more

Bardhaman railway station in West Bengal to be named after Batukeshwar Dutt

first_imgThe Bardhaman railway station in West Bengal will be named after revolutionary freedom fighter Batukeshwar Dutt, who was born in that district but later made the Bihar capital his home, Union minister Nityanand Rai said here.Mr. Rai, the Minister of State for Home and the Bihar BJP chief, made a statement to this effect on Saturday after paying a visit to the house here where Dutt stayed after Independence.The Union minister visited the house, located in Jakkanpur locality, along with BJP national vice president Shivraj Singh Chouhan on the occasion of the death anniversary of Dutt where they also met his daughter Bharti Bagchi – the only surviving family member of the revolutionary.Notably, a posh colony named after the revolutionary is situated close to AIIMS at New Delhi where Dutt breathed his last in 1965.Born in a village of Bardhaman district in 1910, Dutt became associated with the Hindustan Socialist Republican Association which was headed by Chandrashekhar Azad and he accompanied Bhagat Singh to the National assembly in Delhi where they courted arrest after throwing bombs and throwing revolutionary pamphlets while chanting the slogan “Inquilab zindabad“.While Bhagat Singh – who was also an accused in the murder of a British police official – was hanged to death, Dutt was sentenced for life and deported to a jail in Andaman and Nicobar islands.After Independence, Dutt had settled down in Patna along with his wife Anjali who taught at a leading girls’ school of the city.last_img read more