#Individual Insurance Programme

[legalattorneyblog]

ALL YOU NEED TO KNOW ABOUT THE NBA-NATIONAL HEALTH INSURANCE GIFSHIP PROGRAMME

The NBA-NHIA GIFSHIP is a Group, Individual and Family Social Insurance Programme that allows members of the Association who are in good standing (i.e. the payment of Bar Practicing Fees and Branch dues as and when due) enjoy 100% access to Primary, Secondary with just 10% charge on the cost of drugs, and about 50% cost of Tertiary healthcare services across the NHIS Accredited healthcare…

[creature-wizard]

Unwelcome Ozian copied Fritz Springmeier and Cisco Wheeler - see for yourself!

For those who don't know, Unwelcome Ozian is a conspiracy theorist who has been on Tumblr since the early 2010s, presenting himself as a Project Monarch survivor and a sort of guide for others who believe they experienced the same thing. However, a number of people who put their trust in him report that he has engaged in predatory and harassing behavior.

Fritz Springmeier and Cisco Wheeler are two conspiracy theorists who wrote a number of highly influential books together in the 1990's. Whether or not you've heard of them, if you have heard anything about Project Monarch, I promise you that at least some of that information goes back to them. Springmeier and Wheeler made a number of absurd and hateful claims - such as that the Antichrist would be enthroned in the year 2000, that many immigrants were secretly Manchurian agents, and that Al Gore was a real vampire who carried around a briefcase full of blood.

I actually read their three books on Monarch programming (They Know Not What They Do: Illustrated Guide to Monarch Programming Mind Control (1995), The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave (1996), and Deeper Insights Into The Illuminati Formula (1997). When I finally got around to taking a look at the work of Unwelcome Ozian, I immediately recognized it as the same stuff Springmeier and Wheeler were pushing. It wasn't just the exact same kind of claims - it was often the exact same text, with some very minor alterations.

Here are some examples of obvious copying:

Chainless Slaves: The foundation of trauma-based programming is fear. A deep spirit of fear cripples a subject spiritually and emotionally.

Deeper Insights Into The Illuminati Formula: The foundation of trauma-based total mind-control is fear. A deep spirit of fear cripples a person spiritually & emotionally.

Chainless Slaves: Subject’s who have been given a designated purpose in life will have their genealogies hidden. They will have programmed to have a cover life to insure they will not be detected.

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: The Illuminati create mind-controlled slaves who are to function within the Illuminati hierarchy. These slaves will usually have their genealogies hidden, and will be created to have excellent cover lives to insure that they are not detected.

Chainless Slaves: Programmers will make a point of having the unborn subject hear the voices of individuals who will play a role in the programming. The subject may already know the hypnotic voice of one of their programmers at birth.

Deeper Insights Into The Illuminati Formula: This is why the Illuminati has made a point of having the unborn child hear the voices of people who will play a role in the trauma and programming of the child. The child may already know the hypnotic voice of one of its cult programmers at birth.

Chainless Slaves: The mind links together a series of mental processes. These links are called K-lines. Much of what the mind does is activate various K-lines so the mind can focus its conscious thinking.

Deeper Insights Into The Illuminati Formula: The mind strings together a series of "cognitive mental demons" that is a series of mental processes--similar to how a computer programmer writes a program. These strings have been called K-lines. Much of what the mind does is simply activations of various K-lines (a habitual ways of doing things), so that the mind can focus its limited conscious thinking.

Chainless Slaves: Another technique is to alternate leniency with harshness. When punishment is partnered with kindness, the effect is devastating and disconcerting because the subject looses the ability to predict what is going to happen.

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: Another trick is to alternate leniency with harshness. This trick is done in the military also, and has been worked with success by the Chinese government upon the people of Red China. When leniency is alternated with kindness, the effect is devastating and disconcerting because the person looses the ability to predict what is going to happen.

Chainless Slaves: Alien Parts for contact, bonding w/ aliens and acceptance of mock alien invasion.

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: Alien alters for contact, bonding w/ aliens, & acceptance of mock alien invasion

Chainless Slaves: Angel (imitation) Parts for divine messages, these may be seen as angels

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: Angel (imitation) alters for divine messages, these may be seen as Spirit Guide alters

Chainless Slaves: GREEN or EMERALD GREEN. These are cat altars. They still see themselves as belonging to the cult family, and deny that they have been abused to protect their cult family

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: GREEN or EMERALD GREEN. These cat altars recognize they have been abused. They still see themselves as belonging to the cult family, and deny that they have been abused to protect their cult family.

Chainless Slaves: YELLOW. These are the strong Christian alters of which there will only be a few in the System. They help serve as a balancing point to control the System as well as to hide what the System is all about.

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: YELLOW. These are the strong Christian alters of which there will only be a few in the System. They help serve as a balancing point to control the System as well as to hide what the System is all about.

Chainless Slaves: Element Parts (Air or Wind, Water, Earth, Fire) for magick and compliance

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: Element alters (Air or Wind, Water, Earth, Fire) for magick & compliance

Chainless Slaves: Satanic hierarchy Parts, to insure the occult part of the system is controlled and follows occult teachings

The Illuminati Formula Used to Create an Undetectable Total Mind Controlled Slave: Satanic hierarchy alters, to insure that system is controlled by Satan

This isn't even close to all of the instances of copied text in Chainless Slaves, but I think it's enough to demonstrate where Unwelcome Ozian is getting a lot of his material from.

If you're curious whether his book Rules of Programming has any copied material - I can confirm it does. I went through it a few months back and posted about it over here.

If you'd like to learn more about the origins of the Project Monarch mind control conspiracy theory, and how we know it's BS, you can check out this post over here.

[eaglesnick]

“The country is governed for the richest, for the corporations, the bankers, the land speculators, and for the exploiters of labor.” - Helen Keller

On the BBC Today programme yesterday we heard the official Labour Government policy regarding taxation and the rich.

Pat McFadden, Chancellor of the Duchy of Lancaster, the second highest government office in the land after that of Prime Minister, was asked this question,

"What do you say (to the accusation) the poorest are being pitted against the poorest whilst the wealthy go relatively untouched.” 

His reply said it all:

“We have a progressive tax system.  The top 1% pay about a third of tax. I don’t think, you can in the end, tax and borrow...we are reforming the State"

Lets look at the facts

The top 1% of UK earners pays 29% of all income tax not 33.3% as McFadden said.

According to The Money University, (December 2023) to be in the top 1% of UK earners you must earn more than £180,000 per annum. This 1% takes home just under 14% of the countries total income.

On the face of it, the top 1% or earners seem to be paying a greater proportion of the tax bill relative to their total earnings.  They earn 14% of the countries total income but pay 29% of the total income tax bill.

However, things are not what they seem and Pat McFadden knows this.

First, although the lowest 10% of UK earners contribute a relatively small proportion of the total tax bill, as their incomes are significantly lower, they face a higher burden from indirect taxes like VAT and Council Tax which take up a larger percentage of their income compared to higher earners.

Second, income for the wealthy comes not only from work but from unearned income in the form of dividends and shares, which are taxed at a LOWER rate than income from employment. The Office for National Statistics found that the lowest 10% of UK earners pay an average 42% of their income in the form of income tax, national insurance, VAT and council tax. By contrast, the richest 10% only pay 33% of their total income in tax.

Third, the wealthiest people in Britain are asset rich. They invest in land, property, art, jewellery and other assets that escape taxation even though these assets may gain in value. There is no wealth tax in the UK.

Fourth, we also have to remember it  is the amount of income you are left with after paying taxes that is really important. Using the above figures, if you have an income of  £180,000 you pay 33% in tax, leaving you £120,600. If you are within the lowest 10% of UK earners you have an income of £19,992 per year, of which 42% will go in taxes, leaving you with £11,595.

It is the lowest 10% of earners who are most likely to be on some kind of benefit, the benefits Starmer's Labour government are about to cut. In short, the poor are to be punished for being poor.

Although not a religious person I am reminded of the parable of the "Widow's Mite". It tells of a poor widow who donates two small coins—her entire livelihood—to the Temple treasury. Jesus praises her act, highlighting that she gave more than the wealthy donors, as she offered all she had, while others, who had paid more, still had wealth in abundance after donating to the Temple.

Among other ethical and moral teachings, this parable can be interpreted as a critique of societal systems that leave vulnerable individuals, like widows, in extreme poverty while the rich go on living in luxury.  It highlights the contrast between the rich donating comfortably and the poor sacrificing everything.

Keir Starmer and Pat McFadden please take note.

[dailyanarchistposts]

J.5.15 What attitude do anarchists take to the welfare state?

The period of neo-liberalism since the 1980s has seen a rollback of the state within society by the right-wing in the name of “freedom,” “individual responsibility” and “efficiency.” The position of anarchists to this process is mixed. On the one hand, we are all in favour of reducing the size of the state and increasing individual responsibility and freedom but, on the other, we are well aware that this rollback is part of an attack on the working class and tends to increase the power of the capitalists over us as the state’s (direct) influence is reduced. Thus anarchists appear to be on the horns of a dilemma — or, at least, apparently.

So what attitude do anarchists take to the welfare state and attacks on it?

First we must note that this attack on “welfare” is somewhat selective. While using the rhetoric of “self-reliance” and “individualism,” the practitioners of these “tough love” programmes have made sure that the major corporations continue to get state hand-outs and aid while attacking social welfare. In other words, the current attack on the welfare state is an attempt to impose market discipline on the working class while increasing state protection for the ruling class. Therefore, most anarchists have no problem defending social welfare programmes as these can be considered as only fair considering the aid the capitalist class has always received from the state (both direct subsidies and protection and indirect support via laws that protect property and so on). And, for all their talk of increasing individual choice, the right-wing remain silent about the lack of choice and individual freedom during working hours within capitalism.

Secondly, most of the right-wing inspired attacks on the welfare state are inaccurate. For example, Noam Chomsky notes that the “correlation between welfare payments and family life is real, though it is the reverse of what is claimed [by the right]. As support for the poor has declined, unwed birth-rates, which had risen steadily from the 1940s through the mid-1970s, markedly increased. ‘Over the last three decades, the rate of poverty among children almost perfectly correlates with the birth-rates among teenage mothers a decade later,’ Mike Males points out: ‘That is, child poverty seems to lead to teenage childbearing, not the other way around.’” [“Rollback III”, Z Magazine, April, 1995] The same charge of inaccurate scare-mongering can be laid at the claims about the evil effects of welfare which the rich and large corporations wish to save others (but not themselves) from. Such altruism is truly heart warming. For those in the United States or familiar with it, the same can be said of the hysterical attacks on “socialised medicine” and health-care reform funded by insurance companies and parroted by right-wing ideologues and politicians.

Thirdly, anarchists are just as opposed to capitalism as they are the state. This means that privatising state functions is no more libertarian than nationalising them. In fact, less so as such a process reduces the limited public say state control implies in favour of more private tyranny and wage-labour. As such, attempts to erode the welfare state without other, pro-working class, social reforms violates the anti-capitalist part of anarchism. Similarly, the introduction of a state supported welfare system rather than a for-profit capitalist run system (as in America) would hardly be considered any more a violation of libertarian principles as the reverse happening. In terms of reducing human suffering, though, most anarchists would oppose the latter and be in favour of the former while aiming to create a third (self-managed) alternative.

Fourthly, we must note that while most anarchists are in favour of collective self-help and welfare, we are opposed to the state. Part of the alternatives anarchists try and create are self-managed and community welfare projects (see next section). Moreover, in the past, anarchists and syndicalists were at the forefront in opposing state welfare schemes. This was because they were introduced not by socialists but by liberals and other supporters of capitalism to undercut support for radical alternatives and to aid long term economic development by creating the educated and healthy population required to use advanced technology and fight wars. Thus we find that:

“Liberal social welfare legislation … were seen by many [British syndicalists] not as genuine welfare reforms, but as mechanisms of social control. Syndicalists took a leading part in resisting such legislation on the grounds that it would increase capitalist discipline over labour, thereby undermining working class independence and self-reliance.” [Bob Holton, British Syndicalism: 1900–1914, p. 137]

Anarchists view the welfare state much as some feminists do. While they note, to quote Carole Pateman, the “patriarchal structure of the welfare state” they are also aware that it has “also brought challenges to patriarchal power and helped provide a basis for women’s autonomous citizenship.” She goes on to note that “for women to look at the welfare state is merely to exchange dependence on individual men for dependence on the state. The power and capriciousness of husbands is replaced by the arbitrariness, bureaucracy and power of the state, the very state that has upheld patriarchal power.” This “will not in itself do anything to challenge patriarchal power relations.” [The Disorder of Women, p. 195 and p. 200]

Thus while the welfare state does give working people more options than having to take any job or put up with any conditions, this relative independence from the market and individual capitalists has came at the price of dependence on the state — the very institution that protects and supports capitalism in the first place. And has we have became painfully aware in recent years, it is the ruling class who has most influence in the state — and so, when it comes to deciding what state budgets to cut, social welfare ones are first in line. Given that such programmes are controlled by the state, not working class people, such an outcome is hardly surprising. Not only this, we also find that state control reproduces the same hierarchical structures that the capitalist firm creates.

Unsurprisingly, anarchists have no great love of such state welfare schemes and desire their replacement by self-managed alternatives. For example, taking municipal housing, Colin Ward writes:

“The municipal tenant is trapped in a syndrome of dependence and resentment, which is an accurate reflection of his housing situation. People care about what is theirs, what they can modify, alter, adapt to changing needs and improve themselves. They must have a direct responsibility for it … The tenant take-over of the municipal estate is one of those obviously sensible ideas which is dormant because our approach to municipal affairs is still stuck in the groves of nineteenth-century paternalism.” [Anarchy in Action, p. 73]

Looking at state supported education, Ward argues that the “universal education system turns out to be yet another way in which the poor subsidise the rich.” Which is the least of its problems, for “it is in the nature of public authorities to run coercive and hierarchical institutions whose ultimate function is to perpetuate social inequality and to brainwash the young into the acceptance of their particular slot in the organised system.” [Op. Cit., p. 83 and p. 81] The role of state education as a means of systematically indoctrinating the working class is reflected in William Lazonick words:

“The Education Act of 1870 … [gave the] state … the facilities … to make education compulsory for all children from the age of five to the age of ten. It had also erected a powerful system of ideological control over the next generation of workers … [It] was to function as a prime ideological mechanism in the attempt by the capitalist class through the medium of the state, to continually reproduce a labour force which would passively accept [the] subjection [of labour to the domination of capital]. At the same time it had set up a public institution which could potentially be used by the working class for just the contrary purpose.” [“The Subjection of Labour to Capital: The rise of the Capitalist System”, Radical Political Economy Vol. 2, p. 363]

Lazonick, as did Pateman, indicates the contradictory nature of welfare provisions within capitalism. On the one hand, they are introduced to help control the working class (and to improve long term economic development). On the other hand, these provisions can be used by working class people as weapons against capitalism and give themselves more options than “work or starve” (the fact that the attacks on welfare in the UK during the 1990s — called, ironically enough, welfare to work — involves losing benefits if you refuse a job is not a surprising development). Thus we find that welfare acts as a kind of floor under wages. In the US, the two have followed a common trajectory (rising together and falling together). And it is this, the potential benefits welfare can have for working people, that is the real cause for the current capitalist attacks upon it. As Noam Chomsky summarises:

“State authority is now under severe attack in the more democratic societies, but not because it conflicts with the libertarian vision. Rather the opposite: because it offers (weak) protection to some aspects of that vision. Governments have a fatal flaw: unlike the private tyrannies, the institutions of state power and authority offer to the public an opportunity to play some role, however limited, in managing their own affairs.” [Chomsky on Anarchism, p. 193]

Because of this contradictory nature of welfare, we find anarchists like Noam Chomsky arguing that (using an expression popularised by South American rural workers unions) “we should ‘expand the floor of the cage.’ We know we’re in a cage. We know we’re trapped. We’re going to expand the floor, meaning we will extend to the limits what the cage will allow. And we intend to destroy the cage. But not by attacking the cage when we’re vulnerable, so they’ll murder us … You have to protect the cage when it’s under attack from even worse predators from outside, like private power. And you have to expand the floor of the cage, recognising that it’s a cage. These are all preliminaries to dismantling it. Unless people are willing to tolerate that level of complexity, they’re going to be of no use to people who are suffering and who need help, or, for that matter, to themselves.” [Expanding the Floor of the Cage]

Thus, even though we know the welfare state is a cage and part of an instrument of class power, we have to defend it from a worse possibility — namely, the state as “pure” defender of capitalism with working people with few or no rights. At least the welfare state does have a contradictory nature, the tensions of which can be used to increase our options. And one of these options is its abolition from below!

For example, with regards to municipal housing, anarchists will be the first to agree that it is paternalistic, bureaucratic and hardly a wonderful living experience. However, in stark contrast with the right who desire to privatise such estates, anarchists think that “tenants control” is the best solution as it gives us the benefits of individual ownership along with community (and so without the negative points of property, such as social atomisation). The demand for “tenant control” must come from below, by the “collective resistance” of the tenants themselves, perhaps as a result of struggles against “continuous rent increases” leading to “the demand … for a change in the status of the tenant.” Such a “tenant take-over of the municipal estate is one of those sensible ideas which is dormant because our approach to municipal affairs is still stuck in the grooves of nineteenth century paternalism.” [Ward, Op. Cit., p. 73]

And it is here that we find the ultimate irony of the right-wing, “free market” attempts to abolish the welfare state — neo-liberalism wants to end welfare from above, by means of the state (which is the instigator of this individualistic “reform”). It does not seek the end of dependency by self-liberation, but the shifting of dependency from state to charity and the market. In contrast, anarchists desire to abolish welfare from below. This the libertarian attitude to those government policies which actually do help people. While anarchists would “hesitate to condemn those measures taken by governments which obviously benefited the people, unless we saw the immediate possibility of people carrying them out for themselves. This would not inhibit us from declaring at the same time that what initiatives governments take would be more successfully taken by the people themselves if they put their minds to the same problems … to build up a hospital service or a transport system, for instance, from local needs into a national organisation, by agreement and consent at all levels is surely more economical as well as efficient than one which is conceived at top level [by the state] … where Treasury, political and other pressures, not necessarily connected with what we would describe as needs, influence the shaping of policies.” So “as long as we have capitalism and government the job of anarchists is to fight both, and at the same time encourage people to take what steps they can to run their own lives.” [“Anarchists and Voting”, pp. 176–87, The Raven, No. 14, p. 179]

Ultimately, unlike the state socialist/liberal left, anarchists reject the idea that the cause of socialism, of a free society, can be helped by using the state. Like the right, the left see political action in terms of the state. All its favourite policies have been statist — state intervention in the economy, nationalisation, state welfare, state education and so on. Whatever the problem, the left see the solution as lying in the extension of the power of the state. They continually push people in relying on others to solve their problems for them. Moreover, such state-based “aid” does not get to the core of the problem. All it does is fight the symptoms of capitalism and statism without attacking their root causes — the system itself.

Invariably, this support for the state is a move away from working class people, from trusting and empowering them to sort out their own problems. Indeed, the left seem to forget that the state exists to defend the collective interests of the ruling class and so could hardly be considered a neutral body. And, worst of all, they have presented the right with the opportunity of stating that freedom from the state means the same thing as the freedom of the market (so ignoring the awkward fact that capitalism is based upon domination — wage labour — and needs many repressive measures in order to exist and survive). Anarchists are of the opinion that changing the boss for the state (or vice versa) is only a step sideways, not forward! After all, it is not working people who control how the welfare state is run, it is politicians, “experts”, bureaucrats and managers who do so (“Welfare is administered by a top-heavy governmental machine which ensures that when economies in public expenditure are imposed by its political masters, they are made in reducing the service to the public, not by reducing the cost of administration.” [Ward, Op. Cit. p. 10]). Little wonder we have seen elements of the welfare state used as a weapon in the class war against those in struggle (for example, in Britain during the miners strike in 1980s the Conservative Government made it illegal to claim benefits while on strike, so reducing the funds available to workers in struggle and helping bosses force strikers back to work faster).

Anarchists consider it far better to encourage those who suffer injustice to organise themselves and in that way they can change what they think is actually wrong, as opposed to what politicians and “experts” claim is wrong. If sometimes part of this struggle involves protecting aspects of the welfare state (“expanding the floor of the cage”) so be it — but we will never stop there and will use such struggles as a stepping stone in abolishing the welfare state from below by creating self-managed, working class, alternatives. As part of this process anarchists also seek to transform those aspects of the welfare state they may be trying to “protect”. They do not defend an institution which is paternalistic, bureaucratic and unresponsive. For example, if we are involved in trying to stop a local state-run hospital or school from closing, anarchists would try to raise the issue of self-management and local community control into the struggle in the hope of going beyond the status quo.

In this, we follow the suggestion made by Proudhon that rather than “fatten certain contractors,” libertarians should be aiming to create “a new kind of property” by “granting the privilege of running” public utilities, industries and services, “under fixed conditions, to responsible companies, not of capitalists, but of workmen.” Municipalities would take the initiative in setting up public works but actual control would rest with workers’ co-operatives for “it becomes necessary for the workers to form themselves into democratic societies, with equal conditions for all members, on pain of a relapse into feudalism.” [General Idea of the Revolution, p. 151 and p. 276–7] Thus, for example, rather than nationalise or privatise railways, they should be handed over workers’ co-operatives to run. The same with welfare services and such like: “the abolition of the State is the last term of a series, which consists of an incessant diminution, by political and administrative simplification the number of public functionaries and to put into the care of responsible workers societies the works and services confided to the state.” [Proudhon, Carnets, vol. 3, p. 293]

Not only does this mean that we can get accustomed to managing our own affairs collectively, it also means that we can ensure that whatever “safety-nets” we have do what we want and not what capital wants. In the end, what we create and run by ourselves will be more responsive to our needs, and the needs of the class struggle, than reformist aspects of the capitalist state. This much, we think, is obvious. And it is ironic to see elements of the “radical” and “revolutionary” left argue against this working class self-help (and so ignore the long tradition of such activity in working class movements) and instead select for the agent of their protection a state run by and for capitalists!

There are two traditions of welfare within society, one of “fraternal and autonomous associations springing from below, the other that of authoritarian institutions directed from above.” [Ward, Op. Cit., p. 123] While sometimes anarchists are forced to defend the latter against the greater evil of “free market” capitalism, we never forget the importance of creating and strengthening the former. As Chomsky suggests, libertarians have to “defend some state institutions from the attack against them [by private power], while trying at the same time to pry them open to meaningful public participation — and ultimately, to dismantle them in a much more free society, if the appropriate circumstances can be achieved.” [Chomsky on Anarchism, p. 194] A point we will discuss more in the next section when we highlight the historical examples of self-managed communal welfare and self-help organisations.

[txttletale]

I've been reading Marx for a while, though only his shortest books so far, and there's one thing I'm not sure I understand. If under a socialist economy commodities are priced at their cost of production, and the worker is paid the exact price of their labor power - then where does economic growth come from? The fact the price of labor power is equal to the price of the means of subsistence, whose commodities are in turn priced at the cost of production, has somewhat confused me

marx specifically critiqued ferdinand lassalle's idea that the worker could be paid 'the exact price of their labour power' in his critique of the gotha programme--basically explaining that some of the value would need to be kept in a 'social reserve fund' for exactly this reason! (and also to provide universal social care)

Let us take, first of all, the words "proceeds of labor" in the sense of the product of labor; then the co-operative proceeds of labor are the total social product. From this must now be deducted: First, cover for replacement of the means of production used up. Second, additional portion for expansion of production. Third, reserve or insurance funds to provide against accidents, dislocations caused by natural calamities, etc. These deductions from the "undiminished" proceeds of labor are an economic necessity, and their magnitude is to be determined according to available means and forces, and partly by computation of probabilities, but they are in no way calculable by equity. There remains the other part of the total product, intended to serve as means of consumption. Before this is divided among the individuals, there has to be deducted again, from it: First, the general costs of administration not belonging to production. This part will, from the outset, be very considerably restricted in comparison with present-day society, and it diminishes in proportion as the new society develops. Second, that which is intended for the common satisfaction of needs, such as schools, health services, etc. From the outset, this part grows considerably in comparison with present-day society, and it grows in proportion as the new society develops. Third, funds for those unable to work, etc., in short, for what is included under so-called official poor relief today. Only now do we come to the "distribution" which the program, under Lassallean influence, alone has in view in its narrow fashion -- namely, to that part of the means of consumption which is divided among the individual producers of the co-operative society.

[beardedmrbean]

There are over 3,600 students enrolled at the University of Helsinki who have not completed any coursework in the past year, according to the educational institute's data.

This number of 'ghost students' has nearly doubled in three years, rising from just under 2,000 in 2021.

However, this figure includes students with multiple study rights, numbering in the dozens, as well as those who enrolled in courses before 2005, who have perpetual study rights.

There are a total of over 30,000 students at the University of Helsinki.

A similar situation has been noted at Tampere University, where about 2,500 enrolled students earned zero credits in the 2023–2024 academic year, marking a slight rise in the number of 'inactive' students.

According to Anu Haapala, Director of Development at the University of Helsinki, the students' situations are diverse and many factors contribute to this situation.

Financial challenges may drive students to work instead of studying, family situations can change, and health-related reasons could disrupt studies. Sometimes, students may need time to consider if their chosen field is right for them.

"As a university, we aim to enable smooth progression of studies. However, it is ultimately up to the student to decide how and when they will complete their studies," Haapala said.

Enrolling in courses for student benefits and discounts

Those with a student card in Finland are entitled to significant discounts on meals, public transportation, gym memberships, and various retail purchases, as well as access to subsidised health services, university IT resources, and professional union memberships with insurance coverage.

Yle spoke to Jani, 33, who after graduating with a master's degree in engineering from the Tampere University of Technology in 2017, applied for a new degree in mechanical engineering at Lappeenranta.

He was accepted into the programme and registered as an active student at the beginning of the following autumn without any intention of completing his studies.

Jani, who lives in southwestern Finland, said having a student status gives him access to numerous discounts and benefits for the many services he regularly uses in his daily life.

He estimated that he saves around 2,000 euros a year from these discounts and benefits.

While Jani acknowledged that his actions might be seen as depriving other students of a study spot, he said that any system will inevitably be exploited by some individuals.

"It may require a bit of moral flexibility. I personally feel that since the system allows this, I am just as entitled to use student benefits as anyone else," he said.

While he is no longer a student at Lappeenranta, Jani enrolled in the University of Tampere in 2021 to study mathematics and statistics. After his study period ends, he plans to apply to another university.

"Sometimes I wonder how much longer I will dare to eat at the student canteen," he said.

Jani wished to be anonymous in the story due to the sensitive nature of the topic.

Anu Haapala told Yle that she is not in a position to assess the extent of the exploitation of student discounts and benefits.

"The message I get from student organisations is that the benefits and subsidies could be much better so that they better support the promotion of studies," she said.

[rmu-vincent]

Top 5 reasons to apply to Myers Corporation

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Design, create, enhance. At Myers Corporation, creativity, open-midedness, and ambitious aspirations are valued and encouraged. Any input is taken into account, and the management is praised for their responsiveness and responsibility. Furthermore, as far as I am concerned, the employees are fond of their job which is a pretty rare thing to hear nowadays.

Being accepted into Myers Corporation means gaining new valuable connections and achieving a social status that is worthy of respect. Getting a positive response to your CV is a task that is more than challenging, if not an impossible one for some people. However, effort and hard work is appreciated, so the more you put into your goal of getting into Myers Corporation, the more rewards you reap.

As was mentioned in the second paragraph, the rapport and community spirit is one of the mains strenghths and appeals of Myers Corporation. The management frequently hosts corporate parties and ensures people are remunerated approprietly for their achievements, and members of Myers Corporation have been talking about their close-knit, almost family-like team ever since the estblishment of the company.

Employee benefits exceed any other companies on the market. Not only does Myers corporation provide their workers with insurance, healthcare programmes, amazing extended leave opportunities and legal protection, but also some exclusive, industry-specific benefits, such as early access to the latest inventions, discounts on products produced by Myers Corporation, and more.

No discussion of Myers Corporation can be complete without mentioning th CEO, Mr Myers. His contribution to the company's success cannot be credited enough, and I consider him an extremely admirable person.

[unwelcome-ozian]

Hello, Masonry anon from a few weeks ago here. Thank you very much for the link! We have a few questions:

1.) Do you have any resources or posts on “God” programming? (As in, alters programmed to be God.) Or any Catholicism-based or church-related programs, for that matter?

2.) How would the Masonic checkerboard specifically be used in programming?

3.) Similarly, have you heard of the concept of apotheosis being used in programming? Or the Grand Architect of the Universe?

4.) Do you have any resources on eyes or “all-seeing” eyes being used in programming?

5.) In doll programming, there are specific programs for specific kinds of dolls — do you have any resources on specifically ball-jointed dolls or wind-up toys? Within that, are those programs inherently sexual?

6.) Can a programmed individual go on to program family members without being consciously aware of it? We believe that’s what our case looked like, except the attempted programming was extremely messy and incomplete where we believe that they didn’t actually know what they were doing and were merely attempting to mirror or recreate the events perpetrated against them.

Please do not feel rushed whatsoever to answer these lengthy questions. We appreciate any and all feedback at your leisure. Thank you again for your help, I hope you are all doing well!

Do you have any resources or posts on “God” programming? (As in, alters programmed to be God.) Or any Catholicism-based or church-related programs, for that matter?

God/Satan Programming- Form of dual programming to insure system balance. The personalities of the deities are switched. Satan/Lucifer has the attributes of the Christian god. god/Jesus has the attributes of Lucifer/Satan. (Spiritual Programming)

God’s Will Programming-The parts are told by the programmer/handler that the pain they (part) is feeling and what is occurring is God’s will. (Spiritual programming)

God Alters-Parts that hold beliefs specific to the system. These parts will hold and protect the spiritual beliefs of the system. God alters may have other parts that follow and worship them to re-enforce the spiritual beliefs. (Spiritual programming)

Part of God (universal Mind) Parts -A part sent to be an element of god the individual's contribution to the universal mind. (Spiritual programming)

Here’s a link to a list of some internal programmes.  There are a number of spiritual programmes listed. 

Here’s a link to a list of some parts/alters and their roles in a system.

How would the Masonic checkerboard specifically be used in programming?

Black and white patterns such as stripes and checkerboards represent duality and balance. The checkerboard is used for duality programming.

Duality Programming- The splitting of dark and light alters, good versus evil etc. This is the reason black and white stripes and chess boards are often used to represent the dual nature of humanity.  (Spiritual programming)

Similarly, have you heard of the concept of apotheosis being used in programming? Or the Grand Architect of the Universe?

The belief of apotheosis (elevation to the status of a god) can be found in several belief systems. 

Great Architect of the Universe, Grand Architect of the Universe (GAOTU), Sublime Architect of the Universe,Supreme Architect of the Universe.  As a designation it is used within Freemasonry to represent the deity neutrally (in whatever form, and by whatever name each member may individually believe in). Many non-Christian groups acknowledge a Creator—Jews, Muslims, Deists, and many Native American tribes—but the gods those groups worship are different from the God of the Bible. Freemasonry speaks of the Great Architect of the Universe, but it does not affirm who God is, according to the Bible. Freemasons use the term Great Architect of the Universe because it is ambiguous.

Yes, these can be used for programming purposes. 

Do you have any resources on eyes or “all-seeing” eyes being used in programming?

The Eye, representing the all-seeing eye of God, serves as a reminder that humanity's thoughts and deeds are always observed by God—who is referred to in Masonry as the Great Architect of the Universe. Typically, the Masonic Eye of Providence has a semicircular glory below it, and is sometimes enclosed by a triangle.

In programming the Eye can be used as a symbol internally to remind parts that they are being watched at all times. (Not true but parts are told this”

In doll programming, there are specific programs for specific kinds of dolls — do you have any resources on specifically ball-jointed dolls or wind-up toys? Within that, are those programs inherently sexual?

There are various types of doll programming. This is due to the number of types of dolls that are made .oll programming is used first to control the survivor. It is also used to affect the person’s self image.  Doll programming can also be used so the person can assume the ‘role’ of the doll.

Doll programming -The subject is given a doll that  is made to look like them. The subject is taught to project their feelings onto the doll. Due to the doll looking like the subject they are projecting onto themselves. The programmer will place the doll in positions and have the subject ‘abuse’ the doll. The subject is trained to assume the same positions so they can be abused.

No, not all doll programming is sexual programming. 

The main feature of the ball-jointed doll is its joints. These joints are round and can be taken apart. So you can assemble the joints and body parts to make a doll. BJDs are designed with head caps that allow someone to open the back of their head and change out their eyes. They also are designed to wear a removable wig, so their looks can be changed at any time. Many BJDs come with blank faces, so a unique face can be applied by the programmer.

BJDs are commonly hand crafted in Asian countries. BJD are anatomically correct.

BJD can have many purposes in programming. 

Clockwork toys tend to be programmed for one purpose for the amount of time they are wound. Their programmed task would depend on the type of toy they are.

Can a programmed individual go on to program family members without being consciously aware of it? We believe that’s what our case looked like, except the attempted programming was extremely messy and incomplete where we believe that they didn’t actually know what they were doing and were merely attempting to mirror or recreate the events perpetrated against them.

Programmed individuals support the programming of family members. They typically aren’t the one who implements the programming. This is due to the dual roles this would intel and the confusion it could lead to within the system. An example would be, a programmed adult or sibling would use the form of abuse used to create the part in the other family member.

Someone who is programmed, unless specifically trained to program others, would not know how to program another person. It would likely lead to the result you described.

We're doing alright.

Take care,

Oz

[news-network7]

Education in Turkey

Find And Study contributes to the academic and personal development of foreign students by opening the doors to study in Turkey. It guides students through their educational journey from initial application to acceptance. Working closely with universities in Turkey, it provides students with a high quality and comprehensive educational experience. In order to maximise student satisfaction and success, Find And Study offers individual solutions tailored to each student's needs and goals.

Find And Study provides all the necessary support for students to make a smooth transition to their education in Turkey. This support ranges from accommodation arrangements, health insurance, pick-up and transfer services to certified translation services. All kinds of facilities are provided for students to live and study comfortably and safely in Turkey. This allows students to focus on their academic studies and be in an environment that contributes to their personal development.

Find And Study, which promotes Turkey's educational opportunities to students around the world, works with hundreds of universities. Through these collaborations, students are offered a wide range of programmes and educational opportunities in a variety of disciplines. Turkey's rich cultural heritage and dynamic university environment have made it an attractive destination for international students. Find And Study aims to make the most of this potential and provide students with an unforgettable educational experience.

To minimise the difficulties students may encounter while studying in Turkey, Find And Study provides ongoing support and advice. Expert educational advisors help students with academic planning, university applications, visa procedures and cultural adaptation. They also provide all the necessary information and resources to facilitate the student's study process in Turkey.

Find And Study's services to students are not limited to academic counselling. Various activities and programmes are organised to help students adapt to social and cultural life, cope with the challenges of living in a new country and contribute to their personal development. These activities enrich the students' educational experience in Turkey and provide them with comprehensive support.

In conclusion, Find And Study offers students all the benefits of studying in Turkey and helps them to lead a successful and happy educational life. With its high quality educational programmes, comprehensive support services and student-centred approach, Find And Study stands out as a leading institution in the field of education in Turkey. Students can increase their academic success and contribute to their personal development by studying in Turkey with Find And Study.

[kimberlychapman]

In the UK, because I'm diabetic all of my medicine is free. ALL of it. Whether it's diabetic-related or not. That is, it's free to me. The NHS covers the cost. That's what universal health care is for, and it's cost-effective for NHS to ensure diabetics get all of their meds regularly and on time so that their diabetes and other complications don't get worse faster and make them more expensive to treat.

Medicine is also free for kids under 16 and for 16 to 18 year olds who are in education full-time. Also free for everyone over 60. That's all medicine for those ages. The first time one of my kids was sick enough to need a prescription and I went to the pharmacy to have it filled, the cashier was confused when I asked about the cost. I told her I'd just moved in from the US. She gave me a pitying smile and nod and explained that the NHS doesn't charge children for medication.

The full list of who gets free meds on NHS is here. Note that if you're seeking the pay exemption due to pregnancy you have to register for that and I've heard you should do that asap to maximise it.

For folks who don't qualify for an exemption due to age or anything else on that list, prescriptions are £9.90 each. That's about US$13.15. I think there are programmes you can join if you have a lot of meds that cap a yearly total, but often if you have a lot of meds one of your conditions will qualify you for the medical exemption like I have for diabetes. And hypothyroidism, actually, but you only sign up for one condition and that's good enough.

Also some entire classes of medication are free for everyone, like birth control. Because again, it's cheaper for a universal health care system to provide birth control than deal with unwanted pregnancies.

I grew up in Canada and IIRC meds were capped there too, but I don't know if that's changed. I know it was a big sticker shock when I moved to the US in my 20s. Also, back then Americans used to try to get prescriptions filled in Canada to save money. I don't know if that's still true though.

In both Canada in my youth and the UK now, we don't pay anything to see the doctor. We have spent tens of thousands of dollars on US health care when we lived in the US, and that was with top-tier insurance, which we also paid partially towards through employment deductions. Oh, and we waited in queues for it too. In the US, we paid to wait. NHS wait times suck but at least they're free. For now.

Universal, single-payer health care systems use tax money to pay for healthcare services for all. Such systems can be horribly mismanaged...see: NHS degradation via over a decade of Tory mismanagement. Or they can be run really well, when governments aren't corrupt and trying to break the system up to sell off to for-profit companies.

It's not about slavery any more than any other free-at-the-point-of-use government service. Do you have to put money in a meter to turn the streetlights on? There is no slave that goes around lighting them. Sure, some roads are increasingly charging tolls, but many roads are free to use and aren't maintained by slaves. Well sorta...I concede that the US government for some time has used prison labour as near-to-slave labour for some road maintenance, and I concede further that the Trump regime will probably seek to increase the ranks of prison labour soon.

But generally speaking, outside of evil governments and outright corruption, there are lots of services that can be provided based on taxpayer funding so individuals don't have to pay, meaning the potential for equitable access is increased for everyone.

There's a word for that, and it's not slavery...it's community.

"If tampons should be free, then so should my diabetes meds."

Yes? Yes they should be? Your life-saving medication that you need in order to live for a condition you were born with should be given to you at no cost?

[ncogofficial]

Digital Security Reinvented: The Role of Blockchain Technology

What does it take to secure information in the hyper-digital world of today? As our lives are more and more integrated with technology, the need for Digital Security has gone beyond ever before. From transactions to medical records and identity, protecting confidential information is more important than ever before.

By 2025, blockchain technology will have not only emerged as a means of cryptocurrency but as a game-changer in changing Digital Security. This article examines how blockchain is transforming how we secure our digital lives and why it is bound to be the foundation of secure digital networks.

Blockchain’s Core Value for Digital Security

Blockchain is a decentralized ledger technology whose function is to record transactions publicly, securely, and in a tamper-evident fashion. As compared to the centralized systems, where all power rests with one organization and one failure can destroy the whole system, blockchain disperses data with a huge number of nodes. Such a design ensures there cannot be a point of failure that can cause the system to break down or pollute the data.

Each transaction is encrypted and chronologically linked with a timestamp, making the ledger unchanging and verifiable. Records cannot be altered after being added without network agreement, making tampering highly unlikely. This model significantly increases Digital Security by minimizing vulnerabilities that are typically targeted in centralized databases.

Finance, health care, logistics, and legal areas are increasingly tapping blockchain to provide transparency, accountability, and integrity of data. As data leakage and fraud attacks grow, blockchain is providing a real-world remedy for earning people’s trust in new systems.

Blockchain for Identity Verification and Access Control

Blockchain technology is probably most significant when applied to identity verification and access control. With danger in the form of identity theft, deepfakes, and unauthorized access to information evolving, identity verification of individuals with absolute certainty is more important than ever. Blockchain technology makes self-sovereign identity possible, with individuals being able to own and control their information independently of centralized databases that could get hacked.

Blockchain credentials are likewise encrypted and tied to the user, so instant, secure verification is possible whenever access is required to systems or services. Because data is decentralized and tamper-proof, it is extremely difficult for hackers to impersonate or counterfeit credentials. Proper access is thus released only to users who are properly authorized, fraud and impersonation risk meanwhile being minimized.

The Role of Smart Contracts in Strengthening Digital Security

Smart contracts are programs that are housed on the blockchain and run without a middleman. They execute pre-agreed terms between parties automatically, providing trust and reducing manipulation or errors. By eliminating manual intervention, smart contracts help reduce conflicts, automate processes, and provide a high degree of transparency.

In insurance claims, property swaps, and web-based escrow services, smart contracts only execute when some conditions are met. With the processes, the workflow becomes transparent and fair. Decentralization of the blockchain also means that such published contracts cannot be altered without agreement once they exist out there, thereby offering resistance to tampering.

As smart contracts mature to provide more advanced logic and interact with external data sources (through oracles), their role in Digital Security grows exponentially. They are providing a programmable, reliable platform for protecting mission-critical digital interactions across industries.

Use Case: Healthcare and Medical Data Security

The medical industry is responsible for keeping very private patient information, such as prescriptions, medical history, diagnoses, and insurance. Legacy systems are often threatened by centralized databases, which most cyberattackers aim for. Blockchain works to make patient information safe and always identifiable by providing decentralized and tamper-proof solutions.

With blockchain, the patients can dictate who gets access to their health records by giving permissioned access using cryptographic keys.

The approach provides traceability, privacy, and transparency of all interactions with their data. Medical documents can also be verified by healthcare providers without the involvement of intermediaries. Blockchain use incorporates Digital Security…

[unicausnews]

What is U.S. President Trumps One Big Beautiful Bill all about? | Explained

What is U.S. President Trumps One Big Beautiful Bill all about? | Explained The story to this point: U.S. President Donald Trump signed into legislation the ‘One Big Beautiful Bill’ on U.S.’ Independence Day on July 4, 2025. This occurred a day after the House of Representatives cleared the passage of the laws proposing sweeping tax cuts, altering entry to social safety packages and disposing of provisioning incentives for clear vitality manufacturing, amongst different issues. While the Opposing Democrats argue the invoice successfully introduces tax breaks for the wealthiest populace offset by cuts in healthcare and meals safety, the Republicans contend it might unleash “large financial progress” and avert “waste, fraud and abuse” of federal spending. VICTORY: The One Big Beautiful Bill Passes U.S. Congress, Heads to President Trump's Desk 🇺🇸🎉 pic.twitter.com/d1nbOlL21G — The White House (@WhiteHouse) July 3, 2025Why are tax cuts being opposed? Watch: What is U.S. President Trump’s One Big Beautiful Bill all about? | Explained | Video Credit: Sriram Lakshman At the centre of the competition is the invoice proposing to make everlasting President Trump’s 2017 cuts throughout a number of revenue brackets. This additionally contains charges for the best revenue bracket from the current 39.6% to 37% as per the model of the invoice offered to the House of Representatives. Thus, when assessing tax legal responsibility for incremental revenue throughout successive brackets (say, as much as $11,600 after which from $11,601-$47,500, and so forth), lowering charges throughout the board would translate to lowered tax legal responsibility. Conversely, this is able to additionally indicate that increased earners additionally profit with their legal responsibility from revenue throughout all brackets being lowered. However, the proposed laws additionally enhances the usual deduction by $1,000 for particular person taxpayers, $1,500 for heads of households and $2,000 for married {couples} till 2028, that's, till the expiry of President Trump’s tenure. Additionally, OBBB seeks particular person taxpayer be allowed to forego as much as $25,000 in taxes they earn in ideas, and $12,500 in additional time pay. This is offered the person revenue doesn't exceed $150,000. The two provisions mixed have been steered to significantly profit the working class.  Broadly, issues within the realm exist on two fronts, specifically, lack of taxable revenue – particularly the wealthier quartile and the potential influence on revenue, particularly the working class. According to the U.S.-based Yale School of Management’s current evaluation, the funds handed on July 1 would add $3 trillion in debt between 2025 and 2034. This can be about 0.84% of the GDP. Furthermore, analysing the invoice proposed to the Senate, the lab estimated the bottom quartile’s revenue would lower by 2.5% in distinction to the upper quartile witnessing a 2.4% progress. What occurs to social safety schemes for meals and medical wants?Concerns right here relate to the introduction of stricter eligibility necessities probably resulting in exclusion from well being and meals safety programmes. U.S.’ Medicaid is a joint federal and state medical insurance program to assist individuals with restricted revenue and assets cowl their medical prices. The OBBB introduces an eighty-hour work requirement to be eligible for the programme. Additionally, re-enrolments, which might now additionally entail establishing eligibility, would now need to be finished each six months and never yearly. Thus, as noticed by U.S.-based well being information publication KFF, it might translate enrolees to submitting the extra paperwork extra usually. The White House argues the eligibility requirement would strengthen Medicaid for many who depend on it, akin to pregnant girls, youngsters, seniors, individuals with disabilities, and low-income households. Enforcing work

[care2youhealthcare]

What Are The Referral Terms And Conditions For NDIS Participants?

To govern the process of referring individuals referred to as “Participants” by an entity or individual making the referral, referred to as the “Referrer,” to the National Disability Insurance Scheme through a referral programme, it is much like planting a small seed that grows into a flourishing tree where each referral you make can sprout new growth in our community. In this blog we will deep dive into how the referral programme works, ensuring clarity and fairness as your network blossoms.

Who Can Refer & How It Works: According to the NDIS providers in Sydney, anyone can be a “Referrer,” if you have an eligible account, after the registration you will receive a unique referral link or code and you will get the earned benefits along with the new member if someone uses this link to sign up and meets the qualifying criteria.

Qualification Rules: To qualify as a referrer, you have the following qualification rules:

Referrers cannot create fake identities or refer themselves.

The participants must be genuinely new to the service.

You must think about not scattering seeds everywhere but nurturing one plant at a time, as the spammy, automated, or bulk methods are prohibited.

Rewards & Timing: Rewards are issued within a specified window only when the conditions are met, which have certain steps such as opening an account, meeting minimum activity thresholds, or making a purchase.

Limits & Restrictions: According to the expert providing NDIS participant referrals in Sydney, some of the limitations & restrictions are as follows:

There are limitations on rewards one can earn and how many referrals one can provide.

The accounts will lead to disqualification if they are found to be fictitious or duplicate.

The referrers must comply with applicable communication laws.

Termination & Modifications: If the reward is misused or fraud is suspected the organiser reserves the right to refuse or revoke any referral along with it the programme can be paused, changed, or ended at any given point in time.

Liability & Disclaimer: According to the best NDIS care provider in Sydney, the maximum responsibility is limited to the value of the reward received, and the organisers are not liable for system interruptions, lost opportunities, or indirect or unforeseen damages.

Final Word

As we wrap up, we can say that by following these guidelines, you’ll enjoy the rewards along the way and help cultivate a thriving community by respecting the rules much like tending a garden, each genuine referral helps the programme grow organically.

[dvtuk]

How Business Analysis Drives Strategic Growth in the Digital Era

Understanding the Core Value of Business Analysis Services

In the digital age, companies are inundated with vast amounts of data, conflicting priorities, and changing customer expectations. Business analysis services help organisations cut through complexity by systematically identifying business needs and defining solutions that deliver measurable value. These services encompass requirement elicitation, stakeholder engagement, process modelling, and solution validation.

From improving workflow efficiency to enabling digital transformation initiatives, business analysts ensure that every change initiative is grounded in business value. Their involvement helps mitigate risk, reduce waste, and foster better alignment between IT and business teams.

Why Business Analysis Consulting Services Are Critical to Project Success

Many digital projects fail not due to poor development, but because of vague or shifting requirements. Business analysis consulting services provide specialist advisory and execution support to mitigate these challenges. Consultants bring deep domain expertise, industry-specific knowledge, and proven methodologies to ensure clarity, traceability, and stakeholder alignment throughout the project lifecycle.

These services are especially valuable during complex change programmes, where multiple departments, legacy systems, or external vendors must coordinate seamlessly. Business analysis consultants act as the glue holding cross-functional initiatives together—ensuring nothing is lost in translation between strategic goals and execution.

What to Expect from a Leading Business Analysis Services Company

Partnering with a business analysis services company ensures access to structured frameworks, scalable delivery models, and qualified professionals. These firms typically follow industry standards such as BABOK, IIBA best practices, and Agile delivery models, offering a blend of flexibility and rigour.

Whether launching a new digital product, integrating systems post-merger, or redesigning business processes, such companies provide the strategic insight and technical precision needed to de-risk investments. In addition to traditional analysis, they often embed capabilities such as data-driven decision-making, journey mapping, and operational intelligence to enhance outcomes.

The Role of a Business Analysis Company in Organisational Change

Working with a Business analysis company extends beyond individual project delivery—it supports enterprise-wide transformation. These firms help assess readiness for change, define transformation roadmaps, and manage the transition from current-state to future-state operations.

They also introduce governance structures that promote ongoing improvement, ensuring that processes remain efficient and scalable as the business evolves. Their involvement is particularly crucial in highly regulated industries like banking, insurance, and healthcare, where traceability, compliance, and risk management must be embedded into all initiatives.

Unlocking Value Through Specialist Business Analyst Services

Organisations looking to scale digital operations or improve customer engagement often turn to Business analyst services to accelerate success. These services provide direct access to skilled analysts who bring a combination of technical literacy, domain experience, and communication prowess.

Whether operating as product owners, Agile team members, or independent assessors, these analysts drive clarity across backlogs, roadmaps, and product requirements. They also help improve team velocity by reducing rework, surfacing edge cases early, and ensuring solution design meets both user needs and business outcomes.

Choosing the Right Business Analysis Consultant for Strategic Impact

Engaging a Business analysis consultant is a strategic decision that requires alignment with business goals, delivery timelines, and organisational culture. The right consultant not only brings expertise in elicitation and documentation but also offers critical thinking, stakeholder management, and adaptive problem-solving capabilities.

A seasoned consultant understands how to bridge the gap between technical and non-technical stakeholders, guiding them through ambiguity to create shared understanding. Their influence is felt not just in the early phases of the project but throughout the lifecycle, ensuring traceable requirements, actionable insights, and continuous alignment with evolving business priorities.

[twfind03]

Social Welfare Schemes in India: Empowering the Nation

India, with its diverse population and socio-economic challenges, has implemented a range of social welfare schemes aimed at uplifting vulnerable sections of society. These schemes play a vital role in promoting inclusive growth, reducing poverty, and improving living standards across the country.

One of the most impactful initiatives is the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), which guarantees 100 days of wage employment to rural households. It not only supports livelihoods but also strengthens rural infrastructure.

Pradhan Mantri Jan Dhan Yojana (PMJDY) promotes financial inclusion by ensuring every household has access to banking facilities. It has enabled millions to benefit directly from government subsidies and financial services.

To address healthcare needs, Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) provides free health insurance coverage of ₹5 lakh per family per year to economically weaker sections.

The Pradhan Mantri Awas Yojana (PMAY) aims to provide affordable housing, while the Ujjwala Yojana ensures access to clean cooking fuel for women in rural areas.

Educational and nutritional support is extended through schemes like the Mid-Day Meal Scheme and Beti Bachao, Beti Padhao, which focus on girl child education and empowerment.

Additionally, the National Social Assistance Programme (NSAP) offers pensions to the elderly, widows, and disabled individuals living below the poverty line.

These welfare programs reflect the government’s commitment to social justice and equity, aiming to create a more inclusive and self-reliant India. Continued implementation and awareness are key to maximizing their impact. https://twfind.org/ngo-services/