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Narrow your search
Pudding Monsters offers a fun and quirky twist on the age-old concept of puzzle games, but until it gets more levels, opt for the free version.
Pricing not available
Kids all around the world can go Moshi mad with Katsuma, Luvli and friends wherever they are as Moshi Monsters Village goes global.
Mother of Ultra, Alien Baltan, Pigumon, and other "Ultraman" characters show off their fashionista superpowers to promote Amu Plaza Hakata's latest renovations.
Pixar's films can take four or five years to complete. But what does it take to close the deal? CNET has the scoop.
In the 12 years since "Monsters Inc." came out, Pixar has seen several tech advances that make the new "Monsters University" prequel a richer visual experience -- notice all the hairs on Sully and the hundreds of extra characters in the background. CNET'S Sumi Das goes behind the scenes at Pixar.
Artist Jim Kazanjian creates intricately labyrinthine architectural marvels — all from photographs found on the web.
Pudding Monsters slip, slide, and sludge their way through the playing field to combine forces and fend off raging appetites.
The developers of one of the top mobile games announced a new casual game in which people combine wobbly puddings to take on an evil dessert-eating man.
A Bluetooth-enabled smart bobber could turn a quiet day of fishing into a quiet day of fishing with a smartphone.


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Spampig DnsblCheck takes the IP address of a mail server and looks it up in common blacklists and whitelists. The program tests against the major block lists from Spamhaus, SORBS, Spamcop, Barracuda, UCEProtect, and others. In addition to blacklists, it also checks against IP address and domain name whitelists and even checks PTR record integrity. The program returns results quickly, typically in less than a few seconds. If you don't get results quickly, it indicates you may have DNS problems and knowing this can also be useful. This application can be useful to spam fighters and email users who are struggling to find out why their messages are being blocked.
jsoup is a Java library for working with real-world HTML. It can parse HTML from a URL, file, or string. It can find and extract data, using DOM traversal or CSS selectors. The HTML elements, attributes, and text can be manipulated. It can clean user-submitted content against a safe white-list. jsoup is designed to deal with all varieties of HTML found in the wild, from pristine and validating to invalid tag-soup; jsoup will create a sensible parse tree.

subset: commoncrawl


text: I like the last one but the top background is fighting me. I like that he has those outlines like hes a 3D picture and it does kinda pull that off compared to the background and you can almost see him poping out against the background. It might be because you have the yellow women on the sides obscuring the background then suddenly nothing at the top except the words and it just seems too empty right there.


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Complimentary Delivery
on orders of $250 or more.See Details See Details Close
Complimentary Delivery on orders of $250 or more. Offer not valid in stores. This offer applies to standard ground shipping on DonnaKaran.com orders only. This offer only applies to orders delivered in the US and cannot be applied to previous purchases.
A classic Donna Karan off the shoulder tunic dress in classic black. Wear back to our matching stretch viscose leggings (as shown) or on it's own for a more dressed up look.
These classic, best selling stretch viscose leggings are smooth to skin and the start of all your viscose looks.


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Tennessee College Road Trip: Vanderbilt University
Learn what it's like to attend this school in Nashville.
Students attend music class at Vanderbilt University in Nashville.
Though just a mile and a half from downtown Nashville, Vanderbilt University's 330-acre campus boasts thousands of trees (and its own arboretum) as well as a residential feel with its spacious greens and many residence halls, which house some 90 percent of the school's 6,800 undergraduates.
"You get the culture and everything that's going on, but you're not stifled" by the city, says senior Chris Honiball, of Naples, Fla.
[Get tips on finding the right school for you.]
One hallmark of the Vanderbilt experience is the Martha Rivers Ingram Commons, a network of 10 freshman residence halls grouped around several open quads. Each building contains classrooms, and there are shared dining and workout facilities.
These living-learning communities vary in size and style. For example, the refurbished East House, with its classical white-column exterior, houses 100 students, while the more recently built Hank Ingram House holds almost 300.
Each residence also has a live-in faculty member who resides with his or her family. Students credit the Commons with helping them develop a strong sense of community.
Each year all the houses compete for the Commons Cup, awarded to the group earning the most combined points for academic achievement, community service, energy conservation, and intramural sports. Over the next two years, the university plans to build two similar living-learning halls for upperclassmen.
[Check out other schools with notable learning communities.]
Admission to Vanderbilt is highly competitive. Only about 16 percent of the 24,800 undergraduate applicants received an offer for fall 2011. Tuition and fees in 2012-2013 will run about $42,100, with room and board adding roughly $13,800.
To participate in one of the school's 67 undergraduate degree programs, most students enroll in the College of Arts and Science, but a number also take courses at the engineering school, the Blair School of Music, and Peabody College of Education and Human Development.
Students say the university's size (12,900 undergrad and grad) feels about right and that the 8-to-1 student-faculty ratio allows for one-on-one relationships with professors. There are also plenty of research opportunities for enterprising undergrads.
The workload at Vanderbilt is substantial, students note, but "we like to have as much fun as possible," says senior Ryan Blatt, of White Plains, N.Y. About 40 percent of students join fraternities or sororities.
"You can't come to this school and think it's not a big deal," says junior Shannon Crosby, of Westchester, N.Y. But students say they don't feel pressured to be part of the Greek system and appreciate the school's 350-plus organizations, including mock trial and moot court competitions, minority student associations, and a cappella groups. The Division I Commodores are also well supported.
Off campus, many students take time to enjoy the restaurants and shops in Nashville's nearby Hillsboro Village neighborhood or venture deeper into downtown "Music City" for a performance at the city's legendary Ryman Auditorium, to sample a classical music venue, or to check out the storied country and honky-tonk scene.
Some wish the school could shake its reputation as a rich, preppy, homogeneous place, a perception that may be changing. Minorities now represent slightly more than a quarter of the undergraduate population and just 37 percent of students hail from Southern states. These changes, students say, contribute to an atmosphere that is inviting to all.
More From the Tennessee College Road Trip:
• Sewanee—University of the South
Searching for a college? Get our complete rankings of Best Colleges.


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Change in your business? Resist or embrace it.
Change doesn't come easily. When you started your business, you probably didn't think you would be in the position you are today – that of managing change, but today you can make the choice not to resist change for your business, but to embrace it.


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Conclusions cannot be quickly drawn
Facilities cover 22,000 acres, while secondary effects such as release of contaminants reach a much wider area. Dumping of sewage and spills of oil and other toxic materials have been more frequent than predicted. And studies have indicated that organic pollutants affect the food chain in ponds hundreds of feet from leaking "reserve pits."
Air-quality standards are met, but critics question whether levels set in the lower 48 are low enough to protect the fragile Arctic. At Prudhoe the world's largest assemblage of gas-fired turbines pumps nearly as much acidifying nitrogen oxide into the atmosphere as the state of Delaware. If questions about existing development are unanswered, the implications of further industrialization in the 1002 lands remain largely unaddressed.
"The 1002 report was basically biological," said Larry Dietrick, North Slope manager and now director of Alaska's Division of Environmental Quality and part of the online cash advance lenders. "What they didn't do was look at air, water, and waste disposal at Prudhoe. They want me to write stipulations for ANWR, but the groundwork isn't complete. What we need is a 1002 report for air and water before Congress makes its decision."
"We're only 20 years into a 50-year experiment in Arctic development," state biologist Ken Whitten points out.
LONONG-TERM EFFECTS of 1002 development on wildlife is another source of unease. Sheaves of reports have discussed the example of Prudhoe Bay, where caribou of the central Arctic herd feed beside roads, and the herd, which lives in the vicinity year-round, has increased from 5,000 to 18,000 head in the past 15 years. But conclusions cannot be quickly drawn.
Within a mile of roads or facilities in Prudhoe Bay, calving by the central Arctic herd has been cut in half. In the 2002, exploration is targeted in several hundred thousand acres of prime calving and feeding grounds for the 170,000-head Porcupine herd. Long-term effects on productivity cannot be predicted for the migratory Porcupine animals, larger in numbers than the central Arctic herd and dependent on a segment of coastal plain much narrower than Prudhoe's. Curiously, caribou herds worldwide have grown in the past decade. Cyclic increase and reduction seems to be natural. But no one can fully explain why.


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Click here to go to the Cynaps Enhance Hearing Restoration Project , in progress now on Indiegogo!
Cynaps (derived from 'synapse') is the world's first bluetooth enabled, bone conduction headset, discreetly installed into an easy to wear hat.
No earphones are required. Just wear your hat, and the sound from your phone or PC is conducted directly into your inner ear through vibration. You can listen to music or have a phone or Skype (for PC & Mac) conversation, even while doing an activity that requires your ears, eyes and hands to be available.
Driving and biking are perfect examples. Normal bluetooth earpieces cover your ear, and you lose your ability to hear exactly where other cars may be around you. Cynaps lets you keep this crucial ability, while enabling you to discreetly take a call, anytime, anywhere, keeping you safe and giving you back all of your senses! Also, it's not putting pressure on your eardrums like conventional headsets or handsets do, so you won't get the headaches, earaches and arm-aches you normally get after a few hours of holding and talking on a handheld phone. You can talk for much longer with Cynaps without getting tired. And you can freely do whatever you want, at the same time.
The battery life of Cynaps is amazing. Standby time is around 30 days, and the average talk time is between 6 and 10 hours. This wide range depends mostly on the volume setting and how frequently the audio part is used. The microphone uses up almost none of the battery life, while the audio (vibration) accounts for almost all of it, so listening to very loud music on full volume can use up the battery in just a couple of hours. Most people will be able to talk comfortably on medium volume for about 7-8 hours between recharges. Most people can charge it once a day, but if you practically live on the phone or want to turn the volume up extra loud, it's worthwhile to have an extra Cynaps and battery backup on hand, just in case.
The controls are super easy. Just press the bill to take a call or play the current song on your phone or PC. Also control the volume level and navigate your playlist, all from the simple control buttons under the bill.
Cynaps can connect to any bluetooth enabled phone, PC or audio player. Pairing is as easy as pressing a button to make Cynaps discoverable, then selecting Cynaps on your phone or PC.
Bone conduction has been used for years in hearing aid technology. One very cool advantage of Cynaps is that many people who cannot hear well enough to talk on the phone now have a good chance of hearing clearly on a phone or being able to listen to some good music!
Check with your doctor to find out if Cynaps can help. Chances are, it can!
Working in a loud environment that requires earplugs? Want some tunes but can't hear them? Now you can! Even with protective earplugs in, Cynaps is crystal clear. In fact, the sound is even better, richer and more pure with earplugs in! Never miss a call, and always have some good tunes on hand to get you through the day. Now if it could only make you coffee too :). Perfect for any place you'd normally use earplugs: traveling, resting, etc.
Increase your productivity at the computer dramatically while on the phone. Those of you who touch-type know just what we're talking about. How hard is it to hold the phone with one hand and poke at a keyboard with the other? After about 10 minutes, you might be ready to hang up, even on your best friend! Imagine having both of your hands free to look up something online and having no pressure to get off the phone because your ear or hand is getting tired. Get more done - and keep your friend too :)
Here's a quick run-down of the pledge rewards, along with some photos:
Please note: The price of these kits are reduced especially for our Indiegogo campaign, so get it while you can, now at the lowest price!
$50: You guys get the heart and soul of our project: the Cynaps bluetooth module with mic and transducers, at the lowest price. This includes everything you need to to make your favorite cap bluetooth ready in about 10 minutes, as well as any headgear such as a headband (super easy) or a helmet. If you want to install into a motorcycle or bike helmet, it's also pretty easy; you will only need some extra adhesive to mount the control module wherever you prefer. For bike helmets, you can mount it in front, wires down, buttons out (the packaging is water resistant, but it's better to mount it wires-down, just in case), and for motorcycle helmets, you can mount it inside the shield, and raise it up slightly when you need to access the controls. We'll make more how to's on this soon! Also, we'll repair any defects with the module for 3 months.
Also, notice how the microphone and transducers are detachable? That's right, we'll support you by selling these spare plug-and-play parts separately on our site after the campaign is over, and we'll also repair any problems you may have even after the warranty period, all at minimal cost, so you'll be able to keep your Cynaps working for years without spending an arm and a leg.
By the way, we are working on some improvements to this module, which should be ready in a few days, and we will update the picture with the new improved look!
Everything you need to install Cynaps into your favorite cap
$60: One hat, ready to go, with Cynaps installed and one headlight included, along with 3 months warranty
Blue hat with the Cynaps bluetooth headset preinstalled, plus a charging cable and headlight
$75: All three hats with 1 Cynaps module, preinstalled in one of the hats (three hats, one headset), 2 headlights and 3 months warranty
1. Brown hat without Cynaps, plus a headlight
2. Grey hat without Cynaps, plus a second headlight
3. Blue hat with Cynaps bluetooth headset preinstalled, with charging cable
$79: One authentic Nike Dri-Fit Featherlight running cap with Cynaps professionally installed and looking awesome! You can choose between white, black or dark blue. Easy to hand-wash and super comfortable for jogging, golfing and other activities. Please note, we are not currently affiliated with Nike; we are simply doing this as a special bonus item for our Indiegogo supporters, to give you something extra cool! Free worldwide shipping.
$80: Hacker's toolbox with Desktop vibration speaker kit! A few cool things to work with here. We'll include one of our brown top color hats, two headlights, a headband which is compatible with Cynaps, three 7 inch extension cables to lengthen your transducers and mic lengths, THE CYNAPS MODULE, with a few supplies to help you install into the hat or headband, as you like, as well as two desktop vibration speakers that will give your Cynaps the power to turn your desk, window or anything into a speaker or speakerphone! Check out the demo video below to hear the quality:
This kit makes the most of your Cynaps and it's the most fun for those of you who love to experiment or try out different ideas to see what you like! We have to say, the headband is really comfortable :). Everything is covered for 3 months in this pledge.
$100: 2 hats with Cynaps bluetooth headsets installed in both, 2 headlights, 1 USB battery backup and 5 months warranty
1. Grey hat with Cynaps preinstalled, charging cable and a headlight
2: Brown hat with Cynaps preinstalled, charging cable and a headlight
3. USB battery backup with its own charging cable
$129$: One Giro Indicator Sport bicycle helmet with Cynaps professionally installed and looking awesome! You can choose between black/charcoal, blue/black and red/black. Check out the performance here! http://www.youtube.com/watch?v=CnFYBeeSwdA
150: An awesome deal for our top supporters. You'll get all three hats, with Cynaps already installed in all of them, ready to use. You'll also get 6 headlights, a USB battery backup, a car charger, and the longest warranty of all, 6 months on the whole shabang.
The whole shabang
$199: You get the whole shabang pictured above, but we'll switch out the normal cotton hats for these Nike Dri-Fit Featherlight Caps in black, white and navy blue. Definitely worth the extra money; they are easy to clean and super comfortable!
Tech Specs:
Battery: 1000mAh
Talk time: 6-10 hours, standby time: 30+ days, charging time: 3-4 hours
Sensitivity: -36 to -46dB, Impedance: 2.2K ohm
Max Current consumption: 0.5mA, Frequency response: 100 to 10,000Hz
Transducers (each): 0.8W normal, 1.5W max
Resonant Frequency: 16 +/- 0.5 kHz, Frequency: 300-19000 Hz
- USB Battery Backup: 2600mAh, 5V 1000mA usb output
- Car Charger: 5V 500mA usb output
- Headlight Batteries: Model CR1620 (2 installed in each light)
Please note: The bluetooth microphone capability of Cynaps is currently not supported by Skype Mobile. This is the case for most bluetooth headsets, including ours. This is an issue with Skype Mobile in particular. You will be able to hear the audio, but your microphone input will be on your phone, meaning you can still talk using Skype Mobile if your phone is on a desk nearby, for example. Skype is currently working on this issue for all headsets.
Skype for PC & Mac has no problems; you will only need to set up the headset in your bluetooth settings on your computer to work with Skype. We'll put some guides together for this soon, and we'll also try find a way to make our microphone work with Skype mobile. So far, Skype for PC has worked awesomely with our module in every way; you can use the controls on the bill to take a call, control the volume and hang up when you're done.
Pictures and Videos:
Cynaps working demo: http://youtu.be/ruHdO7EBEgU
Hacker's Toolbox Desktop Vibrating Speakers: http://youtu.be/wEsqvvJqg-8
Close up of the USB cable charging the module. The red light goes out when charging is complete.
One of the prototypes for CES next week
Naked! Our bare Cynaps module, striking a pose for the camera
About Us:
Max Virtual LLC is supported by a team of professionals spanning three countries. Product development is headed by Mike Freeman in Greensboro, NC and Shenzhen, China. Promotional material is organized by the CRV2Studio team, also in Shenzhen.
Our technical drawings, machining and injection molding processes are done by our own team of 8 people in Bangalore, India, headed by Samuel Gerald, lead designer and electrical engineer. Sam will be in charge of the plastic housing for the Cynaps module, which will arrive in just a few days, and we can update the photos as soon as it arrives. We have two more projects lined up after this one, which will focus more on the India team, so you can meet them in the next video...it will be a fun one :).
Finally, we have a great team in Greensboro, NC to help us cover the final assembly of our products, shipping, customer service and warranty repairs in the US. That's right, we're not gonna make you ship your Cynaps all the way back to China for repairs :)
We're all very excited to launch our first project on Indiegogo, and we'd like to thank the community for the chance to do something magic. We hope this will be the beginning of many more awesome projects. Our first priority is to make you guys happy and to always keep surprising you with good ideas, quick and clear communication and timely completion of each and every project we do. That's what we promise, and that's what we're gonna do!
The challenges of this project have been many, and we have already managed to overcome most of them. Researching and designing the current Cynaps module circuit board was the most challenging part. It was also the most fulfilling. We have spent a considerable amount of time in establishing solid relationships with the suppliers involved, doing all business in person, leaving nothing to chance and ensuring very clear communication. Sending an email is easy, but nothing beats getting to know who you are working with on a first name basis, shaking their hand, and showing them exactly what you need. This process has been very rewarding for us and has solidified a mutual commitment between us and our suppliers.
It's also allowed us to make Cynaps better. By telling our suppliers about certain objectives, in person, we have received great ideas from them that we would have never otherwise implemented. Modifying the hat for compatibility is a great example. The supplier knew exactly how to modify the hat in order to keep it looking great while increasing its comfort and compatibility with Cynaps. Giving them relevant information about our project also greatly increased their interest in our cooperation and excitement about doing business together.
We feel confident that we have worked out all the big hurdles with the design and function, and we have put our prototypes through the ringer to check durability and consistency. So far so good, but we also want to hear from you, our backers. We will be posting demo videos and photos of improvements and tests for you guys to see during the campaign, and we would love to hear any ideas you have for us to improve on the design and even add on new bits and pieces to the project!
What If.....?
We have three main suppliers: the hat, the circuit board and the bone conduction transducers. Having a permanent base in Shenzhen, China, we have developed very good relationships with these suppliers, and we expect no problems. However, if something should go wrong, we have several prototypes and will be able to change suppliers without much difficulty. Most of the time spent so far has been in the design of the hat and the circuit board, and now that this part has been done, to redo anything with a new supplier would only delay our project by about 2 weeks, in a worst-case scenario.
We've prepared like crazy for our debut on Indiegogo by securing our suppliers and double confirming lead times in order to make a strong first project and show you guys what we can do. We hope you like it and continue to support us through this and many more exciting ones in the coming months.
Created By:
Mike Freeman
Product Developer


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The senior QB refused to lose Friday night's homecoming game on the one-year anniversary of when his brother, Chris Davis, was killed in Oxford. He was good on his word, too. White Plains beat Pleasant Valley, 21-14.
The win was one thing, but the dominant performance by Reddick under the circumstances should gain respect county-wide.
He racked up a total of 257 yards and scored all three of the Wildcats' touchdowns while giving his team the determination to pull the fourth-quarter comeback victory the entire second half.
"I just said, 'Look, find somebody to play for.'" Reddick recalled. "'If you don't have anybody to play for, then play for me. Do something.
"It was hard for real, but it was like he was still here looking at me," Reddick said. "Last year, the homecoming game was the last time he got to watch me play. I just acted like he was there with my momma, looking at me and telling me, 'Good job, keep going.'"
It was that same determination that Davis taught Reddick while he was growing up and learning the game.
"He just always kept telling me, 'Hey man, keep pushing forward, keep pushing forward on Friday,'" he said. "My brother did all he could trying to keep me on track. He was always trying to be there for me no matter what. He tried to make it to all my games that he could."
In a game that meant everything to Reddick, he meant everything to the outcome.
Running or throwing the ball on 38 of the Wildcats' 42 snaps, not including punts, Reddick's number was called the last 24 plays of the game. That total was every snap except for one after White Plains began the game with a three-and-out drive.
"When I have a lot on my mind, I don't really think about my endurance," he explained. "I look at what I'm trying to do and I look at who I'm doing it for."
Putting everything into getting a homecoming win, Reddick said on Monday it felt great to win Friday night's game in his brother's honor.
"My brother would have wanted that," Reddick said. "I could actually sleep good that night. I knew my brother was happy and the team was happy. It was a big boost for the community, too."
• Defensive stand: Clay Central has an offense that can score at will, but don't forget about defensive coordinator Kris Herron as you're watching the Volunteers score touchdown after touchdown every week.
After posting a 60-0 shutout against Holtville, holding the Bulldogs to 39 total yards of offense, Clay Central made another defensive stand last Friday night against Munford.
Despite Munford ending the game with close to 150 yards of offense, Clay Central held the Lions to one first down and one yard of offense in the first half. You read that correctly—one yard of offense.
"When it came to first downs, we played about as well as we can play," Clay Central coach Steve Giddens said on Monday. "Overall, in the first half we played the best defensively as we have all year."
Good luck to everyone on the Volunteers' schedule—you'll need it. Clay Central is outscoring opponents 227-33, an average of 45.4-6.6 per game.
• Pink out: I could use a cliché or corny phrase, but the Faith Christian volleyball team sure was looking pink last night. And if you liked it, that's good because you're going to be seeing the new pink uniforms a lot in the future.
At last night's game, Stephanie Camp, a breast cancer survivor, made the announcement that Faith Christian will be rocking the pink uniforms every October for … well, the rest of her life.
"I've already given them their socks and shoelaces," Camp said on Monday. "I'm not sure what club, but they surprised them, too, and got them pink jerseys."
Despite Camp making such a generous year-by-year life-time donation, she was actually returning a favor for what the girls did for her last year. Faith Christian announced at the school everyone should wear pink, but didn't say it was for her.
"They just said it was Pink Out Night or something like that," Camp added. "That night, the girls came over to me and said, 'We're all wearing pink ribbons in our hair for you.' It was very touching to me."


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If Big Oil gets its way, the Keystone XL pipeline would drive the expansion of tar sands oil in Canada, which is pushing already threatened caribou herds towards extinction as more and more of their dwindling forest habitat is destroyed.
What's more, the project would accelerate the global climate crisis that is melting sea ice for polar bears in the Arctic, and would threaten critically endangered whooping cranes along its route with toxic oil spills.
President Obama is expected to make a final decision on the Keystone XL pipeline in early 2014. He needs to hear from you to stop this dangerous project once and for all.
Speak up for caribou today! Edit and send the message below, urging the President Obama to reject the Keystone XL tar sands oil pipeline.
Speak up for caribou today! Edit and send the message below, urging the Obama administration to reject the Keystone XL tar sands oil pipeline.
If you take action and have not already registered, you will receive periodic updates and communications from National Wildlife Federation and National Wildlife Federation Action Fund.
Dear [Decision Maker],*
Sincerely,[Your Name]
[Your Address]
[City, State ZIP]
* The italicized content will be filled in automatically.
© 1996-2014 National Wildlife Federation Action Fund | PO Box 1583, Merrifield VA 22116-1583 | 800-822-9919
National Wildlife Federation Action Fund is a 501(c)(4) non-profit organization : Privacy Policy | Terms of Use


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View Loss Control Supervisor Hourly Wages
Alternate Job Titles: Loss Control Supervisor, Insurance Loss Control Supervisor
What is the average annual salary for Loss Control Supervisor?
The annual salary for someone with the job title Loss Control Supervisor may vary depending on a number of factors including industry, company size, location, years of experience and level of education. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Loss Control Supervisor in the United States.
This chart describes the expected percentage of people who perform the job of Loss Control Supervisor in the United States that make less than that annual salary. For example the median expected annual pay for a typical Loss Control Supervisor in the United States is $82,339 so 50% of the people who perform the job of Accountant I in the United Sates are expected to make less than $82,339.
Source: HR Reported data as of April 2014
View Insurance Jobs by Salary Range:
If you would like more details about compensation for this position including benefits and how other factors may influence your pay try our Salary Wizard. If you are planning to negotiate a salary you may want to purchase a Personal Salary Report. If you are an employer looking to price this position you may want to purchase a Job Valuation Report or Salary Wizard Professional Edition.
Supervises safety programs and performs accident investigations regarding complicated or special accounts. Supports and ensures qualified loss control service to agents and insured clients within an assigned territory. Requires a bachelor's degree in area of specialty and at least 5 years of experience in the field or in a related area. Familiar with a variety of the field's concepts, practices, and procedures. Relies on extensive experience and judgment to plan and accomplish goals. Performs a variety of tasks. Leads and directs the work of others. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department.
View Loss Control Supervisor job description
Insurance, Banking, Financial Services
Business Services, Insurance
Similar Job Titles:
Loss Control Manager, Top Loss Control Executive, IT Production Control Supervisor, Network Control Center Supervisor, Quality Control Supervisor II, Inventory Control Supervisor II, Loss Control Representative, Sr., Loss Control Representative , Retail Loss Prevention Auditor


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4 December 2013
WhatsApp updates iOS as it leads with 44% market share
By Tim Gibbon
Real-time messaging service WhatsApp updates iOS with fresh a look as it leads with 44 percent share of social messaging users across five markets.
26 September 2013
Mobile Media Strategies: Publishers learn how to perfect monetisation
By Tim Gibbon
Mobile Media Strategies 2013 focuses on how publishers generate revenues across multi-devices over the next two days.
3 September 2013
Microsoft to acquire Nokia devices and services for £4.6 billion
By Tim Gibbon
As Microsoft searches for new CEO it prepares to acquire Nokia devices and services for 5.4bn Euros ($7.2bn; £4.6bn) and grabs access to several patents via licenses.
19 April 2013
Introducing the Marketers Events Calendar infographic
By Tim Gibbon
When putting together the Infographic, it was our goal to provide our fellow marketers a comprehensive, but visual, way of better planning what events are going to best suit them throughout the whole year
15 April 2013
Elemental to guest speak at Social Media in the Utilities Sector conference
By Tim Gibbon
We're sharing social media experience at Social Media in the Utilities Sector conference this week.
11 April 2013
Dedicated Russian social media conference SNCE starts today
By Tim Gibbon
The Social Networking Congress & Expo (SNCE), the first dedicated Russian digital marketing and social media event starts today – what should delegates expect?
6 September 2012
Nokia's new Windows 8 phone the Lumia 920 officially unveiled
By Rachel Hawkes
As the rumour mill continues to go crazy with talk of the imminent iPhone 5 release, Nokia has made its own big release. In a joint event with Microsoft in New York, Nokia has officially unveiled its first smartphones using the Windows 8 operating system – and sees its share price plummet by 13%.
23 May 2012
Popular social network for children Moshi Monsters goes mobile
By Rachel Hawkes
Mind Candy, the company behind Moshi Monsters, has today announced a partnership that will see the popular children's social network on mobile and tablet devices for the first time.
20 April 2012
Cleve Gibbon from Cognifide to guest speak at Internet World
By Tim Gibbon
There's no doubt that Internet World is going to be a bit special this year. Not only is Cleve Gibbon from Cognifide guest speaking, it also happens to be the 20th anniversary of what UBM claims is Europe's largest digital marketing and internet conference.
23 February 2012
SES London presentation: Why content strategy is crucial for social search
By Rachel Hawkes
Yesterday, I went along to the third day of Search Engine Strategies (SES London) to present 'Why content strategy is crucial to social search.' My aim was to give a practical walk through what content strategy is, why as marketers (and brands) we need to understand how social media and content has a role to play in how our customers discover us through search. Reinforcing that, as the only panellist based in the UK, through case studies on this side of the pond.


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You must earn 10,000 points to post other members' whiteboard
Costco in Fremont does not sell mid grade gas. Please stop posting false prices.
Hello, chen94539. There is no mid @ costco. Thought that I should let you know.
Welcome to Colorado! Here's hoping your stay is pleasant and as eventful as you had hoped for. The weather and road conditions are continually changing. If you are traveling to the high country or any other part of Colorado, then please visit: http://www.cotrip.org for the latest road conditions and webcams. It's the "Bomb", and you'll find it useful while here. Safe and warm travels, and best to you in 2013 and beyond.
no mid @ costco


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Guardian Gear Collapsible Dog Crate Crafted to make travelling stress-free, this Guardian Gear Collapsible Dog Crate flaunts a stylish design which does not compromise on comfort. This pet crate has a lightweight, easily portable design and features large mesh windows on four sides to offer optimal ventilation. Provided with integrated wire framing, this pet crate can be assembled and broken down easily without the need of any tools. The frame is covered with 100% polyester material which is extremely durable to offer long-lasting performance. A faux sheepskin mat on the floor of this pet crate ensures complete ease to your pet during travel. Product Features:
Item Specification: Material: 100% Polyester Size: Large measures 38"L x 26"W x 29"H Medium measures 31"L x 21"W x 26"H Small measures 24"L x 18"W x 21"H X-Large measures 42"L x 29"W x 34"H X-Small measures 18"L x 15"W x 16"H Suggested breeds by crates size: Large: Afghan, Doberman, German Shepherd, Irish Setter, Rottweiler, Collie Medium: Basset Hound, Bulldog, Keeshond, Norwegian Elkhound, Dalmatian Small: Beagle, Boston Terrier, Cocker Spaniel, Pug X-Large: Great Dane, Great Pyrenees, Greyhound, Mastiff, Saint Bernard Care: Wipe clean with a damp cloth
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Kit Includes. This Ford Racing bellhousing installation kit includes, (1) Clutch ball stud, (7) Bellhousing to block bolts, and (2) Starter index plate to bellhousing bolts. The included hardware is plated for corrosion resistance and features blue thread locker pre-applied.
Legendary Ford Racing Quality. When you're adding new parts to your Pony, you can't go wrong by installing parts from the folks that know it best. Ford Racing's legendary quality ensures a perfect fit and years of hassle-free use.
Application. This Ford Racing Modular Bellhousing Installation Kit is designed for 1996-2010 4.6L manual Mustangs equipped with a TREMEC bellhousing part# M-6392-M46.
Mustang Fitment: 1996, 1997, 1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010 Details >>


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Linda Buch has a degree in health and physical eduction, is an ACE-certified personal fitness trainer with her own personal training business.
Linda has written a weekly column,
( Body Language (tm) ), which have appeared in the Denver Post and five newspapers in the Bay Area (Oakland Tribune (Oakland), The Argus (Freemont), The Tri-Valley Herald (Pleasanton), The Daily Review (Hayward), and The San Mateo Times (San Mateo) as well as the Lancaster New Era (Lancaster, PA) (see the LINKS page to visit these newspapers online).
She has also co-authored two books! Find out more about the magzines that have featured her books! ...check out her Press page!
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Results 21 - 30 of 279 matches
Conservation Biology GIS lab exploration
Rose McKenney, Pacific Lutheran University
Rose McKenney, Pacific Lutheran University Summary Introductory exploration of GIS as a conservation biology tool Context Type and level of course This activity was designed as a one time use of GIS to support ...
Intro. to ArcGIS and Maps
Chad Heinzel, Minot State University
Chad Heinzel, University of Northern Iowa Summary Preparation for understanding the ArcGIS software and developing activities using local data. Context Type and level of course Entry level in-service teachers or ...
Introduction to GIS Using ArcExplorer and Brooklyn Data Sets
Rebecca Boger, CUNY Brooklyn College
The lessons introduce students to ArcExplorer GIS using publicly available online GIS data sets of Brooklyn, and water quality data of Prospect Park with locations taken by GPS receivers. In this way, students ...
Web-based Exercise #4: GIS Applications.
Justin Shepard, San Diego State University
Justin Shepard, San Diego State University Geography Department Summary Introduce various GIS applications and usefulness in different specialty areas. The strength is that it provides an overview of GIS ...
Using ArcGIS to Study the New Lakes in the Toshka Basin in Egypt and Evaluate Egypt's New Valley Project
Barb Tewksbury, Hamilton College
In this assignment, students use ArcGIS to analyze the new lakes that have formed in the Toshka Depression, Egypt as a result of overflow from Lake Nasser and use their analyses to evaluate the wisdom of the plan ...
Learn more about this review process.
Exploring Earthquake Hazards with GIS
Constantin Cranganu, CUNY Brooklyn College
This activity is a straightforward application of GIS to assessment of earthquake hazards. The students get more modeling skills with GIS and a better understanding of earthquake hazards.
Geographic Information Systems (GIS) and Water Resources
Constantin Cranganu, CUNY Brooklyn College
This activity will demonstrate how water quality and environmental health issues can be analyzed together, how hydrologic information can be built up, and how decisions can be made using GIS.
GIS Lab 3 - Coordinate Systems
Margaret McMillan, University of Arkansas at Little Rock
Margaret E. (Beth) McMillan, University of Arkansas at Little Rock Summary I use this lab to reinforce the basic concepts of coordinate systems and to introduce the coordinate systems that are commonly used for ...
Geocoding in ArcGIS: The Spread of Target and Walmart
Catherine Riihimaki, Princeton University
Catherine Riihimaki, Drew University Summary Students geocode the locations of Walmart and Target stores across the US, create a map for each company, and interpret the distribution of stores using ArcMaps ...
Using ArcGIS to Investigate the Connection between Bedrock Geology and the Development of Ancient Egyptian Civilization
Barb Tewksbury, Hamilton College
In this assignment, students use ArcGIS (DEMs plus georeferenced geologic maps) to analyze the influence of bedrock geology on the development and extent of Ancient Egypt.


text: M&M's Fun Stuff Cookbook - Current Catalog Shopping Cart: 0 items Sign up for exclusive email promotions Checks Address Labels Greeting Cards Holidays and Events Gift Ideas Collectibles Gifts for Everyone Gifts for Her Gifts for Him Gifts for Kids Gifts for Pet Lovers Gifts for Teachers Faith and Memorial Gifts Games and Puzzles Apparel and Jewelry Wine Gifts Personalized Gifts For Your Home Stationery Personalized Stationery Calendars Home Office Wrapping Paper Photo Gift Center Dollar Deals Sale Home > Gift Ideas > Gifts for Kids M&M's Fun Stuff Cookbook Create over 75 tasty goodies like Domino Brownies, Sundae Pie, and more, all made with M&M's candies. Full-color photos accompany most recipes. Hardcover, 128 pages. 9" x 9". Product Code Product Description Qty Price 609059 M&M's Fun Stuff Cookbook We regret that this item is not available at this time. NOTE: To avoid errors, please do not refresh this page or hit the back button while we process your order. 12 Mary Engelbreit®Magnetic Shopping List Pads Was: $12.99Now: $8.99 Jingle BellCheese Serving Set $16.99 Home|Featured Merchants|Tips|Contact Us|Privacy & Security|Site Map|1-800-848-2848|Request Free Catalog © 1998, 2014 Current USA, Inc.


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Lou Cohen: Opening the Door
LC: I started off listening to classical music when I was 11, 12. What I listened to was Beethoven, Mozart, Copland, but then one night on the radio I heard a piece by Bartok which had a big impact on me: "Music for Strings, Percussion and Celesta." In that piece there's a striking moment in the slow movement where a percussionist hits a repeated note, probably on a xylophone. The repeated notes begin slowly, then speed up, then slow down again, with nothing else going on, and then there's a drum roll or a tympani roll at the end. It was very dramatic and completely different from anything I had ever heard before. There was no rhythm-it was a gesture. And it was a gesture that involved no rhythm, no melody, no harmony. It opened up this possibility to me that music might not have rhythm, melody or harmony. Of course the Bartók music moved in a different direction after that, but the impact on me remained.
Later on I got exposed to the Schillinger Method. Joseph Schillinger was a Russian musician who came to the U.S. in 1928. I learned about Schillinger from Carmine Coppola, who was the father of a high-school roommate of mine. Besides his musical training, Schillinger had a mathematical background. He taught privately and also by correspondence courses. His most famous pupil was George Gershwin, but many of his other students were also famous: Benny Goodman, Oscar Levant, Tommy Dorsey. Also Henry Cowell, who later was one of Cage's teachers. Schillinger's methods allowed musicians to write music quickly, which was a big advantage for composers of Broadway musicals and Hollywood movies tracks. He provided ways to generate music with mathematical methods. And it was decent music.
One of Schillinger's disciples, by the way, was Lawrence Berk, who taught the system in Boston from 1945 to 1954. He then went on to found the Berklee School of Music.
Anyway, the whole idea that mathematics could be used to generate musical ideas, musical patterns, that was a big influence. Later, through Ken Ueno, I learned about Iannis Xenakis, who also wrote a book describing his mathematical methods. So that was a big deal for me.
Since then, the biggest influences have been the people I play music with, all these young, wonderful people. I listen to the many, many ways that they make music, the many different ideas, I don't know where I'd be without them. They've really changed my world.
AAJ: You're a very responsive player. When you play with Vic Rawlings you play one way, that sort of contrarian, bitter style, the audience-be-damned way, and then with Andrew Eisenberg, his music is very extroverted, an easy-going guy, you're very approachable when you play with him. I notice you really fit into your context very well.
LC: I like to play by listening. Maybe that comes from the days when I accompanied people on the harpsichord. Often there's a soloist, and the harpsichordist's job is to be the rhythm and support section. But I like to play with people, I like the idea of making things happen together. I like to listen and do what they do, or sometimes take the lead, but usually I try to feel my way, and see what they're doing and do more of that.
AAJ: Tell us about the wiimote.
LC: This started from my interest in Csound. Csound is very important to me because it's given me a way to combine computer programming, mathematics and music, all rolled up together. I was very interested in Csound and I tried to start a Boston Csound User's Group, in order to swap information with other Csound users around here. One of the biggest names in the dissemination of information about Csound is Richard Boulanger, who teaches at Berklee. He was the editor of the Csound Book. He offered to provide a place for the Csound Users Group to meet-at Berklee. As it turns out, I didn't find anyone around here who knew more than me about Csound, except for Richard Boulanger.
There were no other users who I could learn anything from. But I gave a number of presentations at Berklee, and he gave me the wiimote as a gift. It's made by Nintendo and it's a game controller. Richard had figured out how to link it up to Csound. At first I wasn't interested in doing that, but one day I looked at a videotape of me performing on the laptop, and it looked like I was doing my email. Also I remember this clearly: I was doing some duos with James Coleman, who plays the Theremin, and at the end of each of these duos, people would come up and look at the Theremin. Nobody was interested in what I was doing. They had no interest in what was on the computer screen, for example. I realized that although it ought not to be this way, what audiences see, matters. Audiences respond to what they see.
So here I had the wiimotes and I wondered if I could do something with them that was similar to what I had been doing with the mouse, and people would be able to see what my gestures were. I worked on that and it turns out that it's way better for me than what I was doing before. It allows me to be much more responsive to what else is going on. The way I was doing it before, I was moving the mouse around on the screen very rapidly, but I couldn't start and stop things fast enough. There are a lot of musical gestures that were very hard for me to do before that are easy to do on the wiimote. The wiimote has buttons on it, so I programmed it so that when you press a button a note starts, and when you release the button the note ends. It's so logical-it took me a while to figure that out, but it makes sense. And there are two wiimotes (one is called "wiimote," the other is called "nunchuck"), so I can control one note's start and end with one, and another note independently with the other.


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9 Perimeter Rd, Kinnelon
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191 Berdan Avenue, Wayne
In ShortBoomerangs, Aussie flags, kangaroo portraits and faux aboriginal art honor the homeland's wilderness, but Outback delivers a polished version of rusticity with varnished…
1538 Route 23 North, Butler
26 Erie Ave, Wayne
Nice local bar but the staff is horrible! They are rude, inhospitable, and seemingly uninterested if you aren't a regular. My suggestion - hire more polite servers and the…
3025 State Rt 23, Oak Ridge
Have not been in here in years. Was in on a moday had a few beers and a bacon cheese burger with fries. The pints of beers where the cheapest around. Plus after 3 beers the next…
58 State Rt 23, Riverdale
In ShortFestive decor of colorfully tiled tables, vintage photographs and sunny Southwestern accents welcomes an all-ages crowd at this informal hangout. Youngsters and their…
91 Elcock Ave, Boonton
144 Main Rd, Montville
3 Ridge Rd, Oak Ridge


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Since Miranda Lambert's third place finish in the first season of Nashville Star, this country singer has won first place in her fans' hearts! See the Miranda Lambert tour and hear award winning songs like The House that Built Me and Over You. Miranda Lambert tour dates are likely to feature cameos by husband Blake Shelton and her all girl-group the Pistol Annies, so don't hesitate, pick up your Miranda Lambert tickets 2014 now! And don't miss Miranda Lambert cocnert tickets for shows with Dierks Bentley across the US!
|Date & Location
|Country Megaticket
|Thursday, May 8, 2014 at [time TBA]
Shoreline Amphitheatre - CA
|View Tickets
|Country Megaticket
|Thursday, May 15, 2014 at [time TBA]
Farm Bureau Live at Virginia Beach (Formerly Virginia Beach Amphitheatre)
|View Tickets
|Country Megaticket
|Friday, May 16, 2014 at [time TBA]
Klipsch Music Center (Formerly Verizon Wireless Music Center - IN)
|View Tickets
|Country Megaticket
|Friday, May 16, 2014 at [time TBA]
Jiffy Lube Live (Formerly Nissan Pavilion)
|View Tickets
|Country Megaticket
|Friday, May 30, 2014 at [time TBA]
Xfinity Theatre (formerly Comcast Theatre)
|View Tickets
|Country Megaticket
|Saturday, May 31, 2014 at [time TBA]
Bethel Woods Center For The Arts
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|George Strait, Alan Jackson, Kenny Chesney & Faith Hill
|Saturday, June 7, 2014 at 5:00 PM
AT&T Stadium (formerly Dallas Cowboys Stadium)
|View Tickets
|Florida Country Superfest - 2 Day Pass: Jason Aldean, Luke Bryan, Eric Church, Miranda Lambert
|Saturday, June 14, 2014 at [time TBA]
EverBank Field (Formerly Jacksonville Municipal Stadium)
|View Tickets
|Florida Country Superfest: Luke Bryan, Miranda Lambert & Florida Georgia Line
|Sunday, June 15, 2014 at 5:00 PM
EverBank Field (Formerly Jacksonville Municipal Stadium)
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|Country Concert 14: Miranda Lambert, Florida Georgia Line & Tyler Farr
|Thursday, July 10, 2014 at 8:00 PM
Country Concert At Hickory Hill Lakes
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|Miranda Lambert Arlington - AT&T Stadium
Miranda Lambert Cincinnati - Great American Ball Park
Miranda Lambert Cleveland - Progressive Field
Miranda Lambert Pittsburgh - PNC Park
Miranda Lambert Jacksonville - Everbank Field
Miranda Lambert Mountain View - Shoreline Amphitheatre - CA
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Miranda Lambert Bethel - Bethel Woods Center For The Arts
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Miranda Lambert Concert Tickets
The 2013 Miranda Lambert Tour features hit songs from her latest album, Four the Record, including Mama's Broken Heart, winner of CMT's "Female Video of the Year" award and Over You, which was nominated for a whopping ten major music awards, bringing home nine of them!
Miranda Lambert Tour Includes Stops with Dierks Bentley
When you buy Miranda Lambert tickets, you'll get a bonus: a performance by 2004 Academy of Country Music "Top New Artist" Dierks Bentley!This high-powered line up has been selling out venues from coast to coast, but Ticket Liquidator still has tickets for Miranda Lambert in concert even in some sold-out venues. Get your Miranda Lambert concert tickets today!
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Single Function Temperature Calibration ToolsApril 17, 2014 9:23 am | by Fluke Corporation | Product Releases | Comments
For technicians who don't want the complexity of multifunction test tools yet need highly accurate temperature calibration, the Fluke 712B RTD and 714B Thermocouple Temperature Calibrators allow instrument, process, and plant maintenance technicians to quickly and easily test process temperature instrumentation.
The Corvette Z06 Convertible UnveiledApril 16, 2014 4:15 pm | by CNNMoney | News | Comments
The Corvette Z06 Convertible was unveiled at the New York Auto show and boasts as much power as its hard-top sibling.
Barra: Cost Of Fix 'Not My Focus'April 16, 2014 4:12 pm | by CNNMoney | Videos | Comments
General Motor's CEO Mary Barra says that her company is not focused on the 'cost elements' of the safety fix and that GM is 'gonna do the right thing.'
Chrysler To Mark Indiana Factory's OpeningApril 16, 2014 2:04 pm | by The Associated Press | News | Comments
Chrysler is set to mark the opening of a new transmission plant in central Indiana with a ceremony next month including the company's top executive.
Toyota Camry Gets A MakeoverApril 16, 2014 1:56 pm | by Dee-Ann Durbin, AP Auto Writer | News | Comments
The redesigned 2015 Camry, unveiled at the New York Auto Show, is longer and wider, with a more aggressive design. Toyota says it changed every exterior piece but the roof.
High Oil Prices Are Actually Good For AirlinesApril 16, 2014 1:51 pm | by Scott Mayerowitz, AP Airlines Writer | News | Comments
Airline executives frequently complain about fuel costs. But the truth is higher prices actually have been good for business.
What Impact Will The Recall Have On GM's Sales?April 16, 2014 1:46 pm | by Tom Krisher, AP Auto Writer | News | Comments
Many expect GM sales to take a hit from a mishandled recall of small cars, though it's unclear when and how severe.
AME Leading Efforts To Attract Workers To ManufacturingApril 16, 2014 11:40 am | by Association for Manufacturing Excellence (AME) | News | Comments
With continued demand for more workers in manufacturing industries, the Association for Manufacturing Excellence (AME) is leading the charge to reinvigorate the national workforce and attract new personnel.
Lean And Beyond - Increasing The Awareness Of MROApril 16, 2014 11:33 am | by George Krauter, Storeroom Solutions, Inc. | Articles | Comments
Too many companies view MRO stores as a necessary evil; a situation recognized as a constraint but ignored as an opportunity for improvement.
GM Asking Bankruptcy Court For Lawsuit ProtectionApril 16, 2014 10:05 am | by Tom Krisher, AP Auto Writer | News | Comments
General Motors revealed in court filings late Tuesday that it will soon ask a federal bankruptcy judge to shield the company from legal claims for conduct that occurred before its 2009 bankruptcy.
Obama, Biden Announcing $600M For Job GrantsApril 16, 2014 10:03 am | by Darlene Superville, Associated Press | News | Comments
Striving to show action on jobs, President Barack Obama and Vice President Joe Biden are hitting the road to trumpet $600 million in new competitive grants to spur creation of targeted training and apprenticeship programs that could help people land well-paying jobs.
U.S. Won't Name China A Currency ManipulatorApril 16, 2014 9:57 am | by Marcy Gordon, AP Business Writer | News | Comments
The Obama administration is raising concern about the value of China's currency but is declining, as in recent years, to accuse Beijing of manipulating it.
U.S. Indicts 3 Bridgestone Execs For Price-FixingApril 16, 2014 9:38 am | by The Associated Press | News | Comments
A U.S. federal grand jury has indicted one current and two former Japanese executives of Bridgestone Corp. for their involvement in automobile parts price-fixing in the United States.
If Filed, Plane Lawsuits May Not Get Heard In U.S.April 16, 2014 9:33 am | by Gillian Wong, Associated Press | News | Comments
Since Malaysia Airlines Flight 370 went missing, some lawyers have claimed they can get several millions of dollars in damages for each lost passenger by taking the cases to the United States.
Chevy Bringing Tiny Trax To U.S., ChinaApril 16, 2014 9:29 am | by Dee-Ann Durbin, AP Auto Writer | News | Comments
GM thinks young buyers and downsizing Baby Boomers who like the Chevy Equinox and the Honda CR-V will go even smaller, as long as they can still sit up high.
Why Google Bought A Drone ManufacturerApril 15, 2014 5:00 pm | by CNNMoney | Videos | Comments
Google acquires drone maker Titan Aerospace and, like Facebook, hopes the technology will help deliver cheap and easy Internet access in the future.
Tools For The Future: Industrial Suppliers Are Becoming One-Stop-ShopsApril 15, 2014 4:46 pm | by Anna Wells, Executive Editor - @IndustrialAnna | Articles | Comments
Tool suppliers are becoming more one-stop-shops as businesses develop their core and accessory products, and focus attention on education.
Q&A: HVAC Education And Technology AdvancementsApril 15, 2014 4:37 pm | by Anna Wells, Executive Editor - @IndustrialAnna | Articles | Comments
Coyne College is a Chicago-based trade school that's been teaching HVAC and other vocations for more than 110 years. Student services, from tutoring and career development to job placement assistance, are structured to enhance career preparation by addressing each student's unique needs.
Chobani Founder Accused of Stealing Fage's Greek Yogurt RecipeApril 15, 2014 2:55 pm | by ABC News | Videos | Comments
The ex-wife of Chobani founder Hamdi Ulukaya claims that her former husband stole competitor Fage's secret recipe for Greek yogurt.
Q&A: Prepping For FSMA Whistleblower ProvisionsApril 15, 2014 2:43 pm | by Lindsey Jahn, Associate Editor, Food Manufacturing | Articles | Comments
Attorney Jonathan Secrest spoke to our colleagues at Food Manufacturing about OSHA's new procedures and how food companies can prepare for the inevitability of more whistleblower claims.


text: Results 1–6 of 6 for "Statement"X related to "APA Handbook of Sexuality and Psychology" Refine Your Search Refine Your Search TopicDisability (1)HIV & AIDS (1)Document TypeStatementXYear2013 (1)2012 (1)Author/ContributorKhubchandani, Anju (1)Martin, David J. (1) Results 1–6 of 6 Relevance Title A-Z Title Z-A Newest First Oldest First Sort by: 1.Response to the Internship CrisisThe statement focuses on doctoral training in psychology that prepares individuals to serve as health service psychologists and does not apply to students who seek other paths.Statement (July 2012)2.APA Statement on the Role of Psychologists in International EmergenciesThe statement is intended to orient psychologists to effective disaster response contributions. It is based on international guidelines for psychosocial intervention, on guidance from APA's Disaster Response Network (DRN) and on guidance from APA's Committee on International Relations in Psychology (CIRP).Statement 3.PACHA Public CommentThe official statement from David Martin, PhD, Senior Director of the APA Office on AIDS to the 51st Presidential Advisory Council on HIV/Aids Meeting, held April 22, 2013, in Washington, D.C.Statement (April 2013)4.Moving Beyond the ADAA reflection on issues among postdoctoral and internship sites that do not comply with The Americans with Disabilities Act. Student applicants with disabilities may benefit from increased opportunities to disclose disabilities and discuss disability-related needs.Statement 5.Division 16 Candidates and Statements for the 2014 Election Lean about the qualifications of those seeking division office.Statement 6.Position StatementsDivision 32's Final Position Statement on the American Psychological Association's Presidential Task Force on Psychological Ethics and National Security.Statement Relevance Title A-Z Title Z-A Newest First Oldest First Sort by: ADVERTISEMENT Results 1–6 of 6 for "Statement"X related to "APA Handbook of Sexuality and Psychology"


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HOME Volcom Gear Volcom Dresses & Skirts Volcom Dresses & Skirts Skirts (3 items) Product ID: 614818
Main Content
Make your man a little googley-eyed with the Heads Will Roll skirt from Volcom. It sure isn't your grandma's Sunday best, but with its retro-style floral overlay and scalloped hemline, it will have you looking sweet as a sugar cookie.
- 82% Cotton/18% Nylon shell
- 100% Cotton lining
- Model is 5'10" and measures 35-26-36
- Volcom layered skirt
- Model shown is wearing size S
- Metal Volcom logo rivet
- Embroidered scalloped hem
- Zipper at back
- Elastic waistband
- Imported
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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These days, when you scan Internet resources or take part in discussions, you inevitably come across materials and comments related to the use of cloud technology in antivirus protection.
The opinions are many, ranging from accusations against vendors that they are indulging in blatant PR campaigns in the complete absence of any benefits offered by the antivirus cloud, to assertions that these so-called clouds are a universal panacea. Both Internet users and security professionals are engaged in these discussions today, and no one can seem to agree.
The objective of this article is to make an attempt to really get to the bottom of the situation. We will address only the real-time collaboration of personal antivirus products installed on user computers with the vendor's cloud infrastructure. This article will not discuss SaaS/hosted services.
For the sake of simplicity, we will use the term "antivirus cloud" to refer to an antivirus company's system used to process information obtained from user computers to identify new, as yet undetected threats. Anticipating objections against using the word "cloud" in such a way, collaboration, we refer to the already standard practice of using the term in this context. Discussions of the appropriateness of the use of this name are beyond the scope of this article.
This article will provide an answer to the question: what is an antivirus cloud, really, and what are its pros and cons? This article is aimed primarily at readers who are interested in learning more about cloud-based antivirus protection, gaining an understanding of the general principles of how an antivirus cloud works, and what it offers in terms of protection.
Over the past 20 years, antivirus protection has primarily been based on signature analysis and heuristic analysis. This was quite sufficient to effectively counteract malicious content, since:
However, in 2003-2004, we saw the development of mass communication, a rapid growth in the number of Internet users, and the arrival of Internet business, which created attractive conditions for cybercriminals. At first malicious programs were created simply for the fun of it or to prove a virus writer's skill. Later, as opportunities arose to make money from the virtual property of others, and to steal others' funds, cybercriminals started proactively developing malware in order to make money.
Increase in the number of unique malicious files detected by Kaspersky Lab
In addition to the increase in the number of new malicious files, we also saw an upswing in the number of different ways used to steal money: cybercriminals developed even more effective techniques for conducting attacks.
Antivirus developers continued to improve heuristic methods to detect malware and introduced automatic systems and/or automatic detection features in their products. The latter led to a marked increase in the volume of updates that approached a threshold where update downloads were becoming a major inconvenience for users.
Annual increase in the number of antivirus updates in MB (incl. 2010 forecasts)
The ongoing battle between cybercriminals and antivirus companies has grown more intense, and each side has proactively examined the enemy's tools and methods. In 2008–2009, the speed at which new malicious programs appeared reached a new level and typical update systems were no longer sufficient to counteract the threats. According to a study conducted in the second quarter of 2010 by NSS Labs, antivirus companies required anywhere from 4.62 to 92.48 hours to block Internet threats. Improving response time to threats using typical antivirus updates was impossible, since the time required to detect threats, analyze them, and test antivirus updates had already reached a minimum.
Protecting users from the emergence of a threat to the installation of an antivirus database update
It would seem that response time could be improved by using heuristic detection methods, which help block threats as soon as they appear without waiting for the release of antivirus database updates. However, heuristic methods detect, on average, just 50–70% of threats, which means that 30–50% of all emergent threats are left undetected by heuristic methods.
As a result, the main questions that the antivirus industry has had to consider recently are:
These questions have forced antivirus developers to devote more attention to the development of alternative methods of detecting and blocking today's threats. The use of antivirus cloud technologies is one such method.
As stated above, this article uses the term "antivirus cloud" to refer to the infrastructure that an antivirus company uses in order to process information obtained from the computers of those who use a specific personal product in order to identify new, as-of-yet undetectable threats, in addition to performing a number of other tasks. The technologies used to store and process user data remain in the background. The antivirus program sends a request to the cloud to see if there is any information available about a particular program, activity, link, or resource. The response will either be "yes, there is information, or "no, there is no information."
How does the cloud differ from antivirus updates?
Options for user communication with antivirus infrastructure
An update system assumes one way interaction between the antivirus company and the user: from the AV vendor to the user. There is no feedback from the user, which is why it is not possible to promptly identify suspicious activity, or obtain information about a spreading threat or its sources. Often, antivirus companies face delays as they have to obtain this kind of data via additional data channels.
In contrast, the cloud approach is bilateral. A number of computers connected to the cloud via a central server inform the cloud of sources of infection and any suspicious activity that have been detected. After processing the information, it becomes accessible to other computers that are connected to the cloud. In fact, users are able to share information via the antivirus company's infrastructure (not directly with one another!) about attacks launched against them and the sources of those attacks. The result is an integrated, distributed intellectual antivirus network which functions as a single whole.
The main difference between the cloud and existing antivirus technologies is the object being detected. While earlier generations of technologies (such as signatures, for example) worked with objects in the form of files, an antivirus cloud work with metadata. Consider this example to understand what metadata is: let us presume that we have a file — it is an object. Information about that file is metadata, which includes the file's unique identifier (the hash function), data about how the file came to be in the system, how it behaved, etc. New threats are identified in the cloud using metadata even though the files themselves are not actually transmitted to the cloud for initial analysis. This approach facilitates real-time collection of data from tens of millions of voluntary participants in a distributed antivirus network in order to identify as yet undetected malware.
For example, if an antivirus user opts-in to the Kaspersky Security Network (KSN), the product will start to send two different kinds of metadata to Kaspersky Lab:
It should be stressed that this information is only transferred with the user's consent.
The expert system identifies threats and checks for decision making errors, then looks for the sources spreading the threat. The sources, once located, also undergo automatic checks, in order to rule out any false positives. The data obtained by the expert system about the newly emergent threats and their sources is then promptly made available to all product users.
Metadata about infections is used to train expert systems, which consequently respond quickly to the latest malware and cybercriminal techniques by automatically identifying active threats on users' computers. Information used by the system for self-learning includes verdicts received from signature and heuristic detection. It should be emphasizes that the most effective user protection is achieved by using a combined approach meshing an antivirus cloud with other technologies already used to counteract threats.
By gathering and processing data about suspicious activity from each participant in the network, the cloud is, essentially, a powerful expert system designed to analyze cybercriminal activity. Data needed to block attacks is provided to all of participants in the cloud network, which helps prevent subsequent infection.
Protection using cloud technologies
The longest stage of the process is the analysis of the data obtained from user metadata in order to identify unknown malicious programs — however, even this process takes just a few minutes.
As a result, the only real drawback that cannot currently be resolved is the dependency of user protection on the existence of a stable connection. Kaspersky Security Network will have resolved all of the other issues in the next version of its cloud protection.
There is yet another category of issues with cloud protection that is often discussed on the Internet and is viewed by those involved in the discussion as drawbacks. However, these points are not, in fact, flaws. We would like to address these issues and explain why they should not be seen as weak areas.
We have reviewed the circumstances that led to the creation of antivirus clouds, and addressed in brief how cloud protection works, and its pros and cons.
Where does the cloud fit within today's antivirus industry? Is there any true benefit to using cloud technology, and does it offer anything fundamentally new?
The cloud approach is certainly no silver bullet against cybercriminals. But cloud protection has already proven itself to have a number of major advantages: it identifies and blocks new threats at a high speed, and it doesn't only block threats — it also blocks the sources spreading them. This helps us envisage a new direction of development in the antivirus industry. Furthermore, all of these advantages can be automated using an expert system which offers a low rate of false positives.
The cloud is not just a fad — it is an effective user protection technology. As these technologies develop, their role and significance within the antivirus industry will continue to grow.
However, we should not see an antivirus cloud as merely a separate user protection technology. Without a doubt, cloud systems can function completely automatically, without using any of the rich experience the industry has accumulated in threat detection. However, the effectiveness of this kind of approach is far from ideal. Maximum protection can be achieved by combining the security technologies we have already mastered with antivirus cloud systems. The result of this combined approach is superior to using only one or the other: it offers the rapid response time of cloud systems to as yet unknown threats, while retaining a high level of detection and proactivity, a low margin of error, and offering complete threat data.
If you have any questions, send them to Yury.Mashevsky (at) Kaspersky (dot) com, and they will be addressed in future articles.
For questions in languages other than Russian or English, please send an email to your local Kaspersky Lab office, where we will translate your question before passing it on to the author. Thank you!
11 comments
2010 Sep 30, 17:29
Great article! :)
2011 Nov 09, 09:03
Thanks for your article
Nice article Yuri, im follow your articles
2011 Dec 15, 12:05
i like kaspersky
2011 Dec 30, 15:42
i like kaspersky
2012 Jan 01, 17:03
I trust and follow Kaspersky instructions
2012 Sep 19, 13:14
Like !
Thank you, I have chosen to use Kaspersky 2012.
2012 Nov 30, 15:45
Complimenti bellissimo articolo a dire il vero questo articolo mi ha pure aiutato quindi non posso fare altro che ringraziare Kaspersky per avermi dato la possibilit� di leggerlo e anche lodarvi per i vostri prodotti che uso dal 2008 GRAZIE!!!
2013 Feb 14, 09:59
how to verify our GMX Motorbikes website?
We are using kaspersky anti-virus,firewall for all our office computers.
2013 Sep 20, 21:52
I got locked out of my main password lockout I cannot get on line what do I do to fix this problem
2013 Sep 20, 21:52
I got locked out of my main password lockout I cannot get on line what do I do to fix this problem
2013 Dec 07, 11:25
a muti government cover up
I have used every anti-virus there is and nothing really works.


text:
More Recipe Collections
Chicken recipes
(4 Recipes) Created by ROSAMARCELLE
Recipes in this Collection
This quick Southern dish contains no added fat and very little added salt in its spicy tomato sauce.
Carbs: 20.7g | Fat: 4.5g | Fiber: 4.3g | Protein: 33.3g | Calories: 255.4
An old family favorite ready in half the time, with all the creaminess you crave.
Submitted by SPARK_RECIPES
Carbs: 30g | Fat: 7.1g | Fiber: 3.9g | Protein: 23.9g | Calories: 280.5
Try this inexpensive and fresh version of a chicken casserole--no need for processed soups or sauces!
Submitted by CHEF_MEG
Carbs: 36.1g | Fat: 8.9g | Fiber: 8.8g | Protein: 27.9g | Calories: 320.6
Did you know that just three buffalo wings have 10 grams of fat? (Who eats just three?) This soup has all the spice, creaminess, and tang you crave--with a fraction of the fat.
Submitted by CHEF_MEG
Carbs: 8.1g | Fat: 2.3g | Fiber: 1.9g | Protein: 16.1g | Calories: 119.5
Send this recipe collection to a friend - http://recipes.sparkpeople.com/cookbooks.asp?cookbook=379552


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I have been working at Compass Group USA part-time for more than 10 years
Pros – Good place for part timers that need to work but want to have summers off and want to be home
for their children when school is out.
Cons – Not a company where you can have any upward mobility outside the local job sites.
Advice to Senior Management – More face time with satellite school cafeterias would give district managers a better view of their environment.
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Additional Ways to Shop: Fishing 101
Bass Pro Shops Fishing
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Not all arrows are created equal. Some sport dead-on accuracy, durability, and consistency, while others might be a far cry from what you'd depend on taking game with. In the past I've always been a fan of aluminum shafts, but RedHead has created a carbon arrow that changed my mind.
The Carbon Fury Arrows from Bass Pro Shops has got the be the best deal on carbon arrows I've ever seen, so I picked up a pair when my archery season started to loom in the distant future -- and was I ever thankful!
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Another Look at Nick Williams
By now you know the Redskins moved RB Chris Thompson to injured reserve and activated WR Nick Williams off the practice squad. You may recall I suggested the Redskins move Williams to the active roster after week 4, when I wrote this:
Maybe Nick Williams should get a look on the active roster since it isn't clear what, if anything, Aldrick Robinson is adding to the offense and Williams also showed a knack on special teams as a punt returner.
Williams is a shifty runner and returner and while he does not possess blazing speed, he did impress at his pro day last Spring when he ran a 4.56 in the 40 and showed off an impressive 37-inch vertical leap. That's important because while Williams is listed at 5'10″ he's actually no taller than 5'9″ and might be smaller than that.
Here is the National Football Post scouting report on Williams, followed by some video of his work in college.
STRENGTHS – Williams gets off the line quickly and shows solid route running skills, although they could be crisper. He has quick footwork enabling him to plant quickly on slants or routes over the middle, creating space from the DB or LB. His speed and quickness allow him to get open and catch the ball in space. He has solid speed in space and can pick up decent YAC. Shows that he can get down the field quickly. Has good hands and when he is able to catch the ball in stride he can gain solid yardage.
WEAKNESSES – Williams needs to become a more physical player. While he showed the ability to block physically, he seemed hesitant quite often. He needs to become a better blocker in open space to give the ball carrier more of an opportunity as DB's and LB's tend to break his blocks easily. He tends to be careless with the football, needs to learn to keep the ball closer to his body, especially when facing contact.
SUMMARY – Williams is a small frame WR that was not an every down receiver in his senior season. He has the quickness to explode off the line of scrimmage and shows discipline in his routes. He has the speed to get by the 2nd level on short passes over the middle and he shows the ability to go deep down the field. He also returned kicks and showed very good speed when given a lane to run through and open space. While he has quick feet and solid footwork, he does not show the ability to make guys miss often to break for a big play in both receiving and kick / punt returning. He has good hands and when he catches the ball in stride he has the ability to make a defense pay, but I do not see him doing this consistently enough at the NFL level. Overall, Williams was not even a full time starter as a senior in college, so I cannot recommend drafting him.
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Schmidt has special significance to the St. Louis Cardinals, as he had been the club's oldest living former player for the last two-plus years. A right-handed pitcher who appeared in 1944, 1946 and 1947 with St. Louis, Schmidt missed the 1945 season when drafted into the Army for World War II service.
Schmidt began his minor league career in the Cardinals system in 1937 after being signed out of a tryout camp.
After leaving the Cardinals via trade, Schmidt appeared briefly with the Phillies and Cubs in 1947, but that concluded the major league segment of his career. In 85 major league games including 15 starts, he went 13-11 with a 3.75 ERA.
The Hartford, Connecticut native continued to pitch in the minor leagues through 1953, then settled in Pennsylvania, where he had worked and lived since. Schmidt was also the oldest living ex-Phillie.
1946 was only season the Acorn, Missouri native appeared in the majors. Like Schmidt, Endicott had worked his way up through the extensive Cardinals system. After his MLB debut, he played just one more partial season in the minors before his release in June 1947.
The living player who played for the Cardinals the longest time ago is none other than Stan Musial. "The Man," now just three days away from his 92nd birthday, first arrived in the bigs in September 1941.
Here is my log of the how the title of oldest living Cardinal player has evolved since Lee Cunningham, who was also the oldest living former major leaguer, passed away in the summer of 2005.
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Job Opportunities through AIDT
AIDT assists a variety of employers throughout the state by identifying qualified potential employees through recruitment, screening and training services. We recruit potential employees through advertisements and announcements, collect applications through Alabama Career Centers and other locations, assess the applicants through application screening and assist employers with applicant interviews.
This site allows you to apply for job opportunities online. AIDT is currently recruiting applicants for projects listed under the Jobs tab.


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The Associated Press has obtained portions of a suppressed independent investigation into the role that debt collectors working for microfinance giant SKS played in the suicides of desperately poor borrowers in the Indian province of Andhra Pradesh. SKS made global headlines when it received backing from a US venture capital firm, the Boston-based Sandstone Capital, and then had a highly successful IPO. The independent investigation, commissioned by SKS itself (though the company has disavowed it) documents a pattern of usurious practices by vicious debt-collectors working for the company that drove several borrowers to grisly suicide.
The interview videos were shown to the AP by Uma Maheshwari, who said she was present during one set of recordings and visited several of the families personally. She left SKS in July.
In one video, the daughter of borrower Dhake Lakshmi Rajyam cries, gasping as she talks to an investigator in Tadepalligudem, Andhra Pradesh.
Rajyam was unable to pay off $2,400 owed to eight different companies. Employees of microfinance companies, including SKS, urged other borrowers to seize the family's chairs, utensils and wardrobe and pawn them to make loan payments, her family told investigators. Unable to bear the insults and pressure of the crowd of borrowers who sat outside her home for hours to shame her, Rajyam drank pesticide on Sept. 16, 2010, and died, the family says.
"We have lost my mother," her daughter says. "Nobody will support us."
The investigator's conclusions lay the blame on SKS employees, saying they failed to comply with company policies "and even basic moral rights."
Vautrey said he sent the case studies to three top managers, including Rao. Emails obtained by AP indicate that summary reports were emailed to the managers.
Rao did not respond to multiple requests from AP seeking comment.
AP IMPACT: Lender's own probe links it to suicides (via Making Light)
I write books. My latest is a YA science fiction novel called Homeland (it's the sequel to Little Brother). More books: Rapture of the Nerds (a novel, with Charlie Stross); With a Little Help (short stories); and The Great Big Beautiful Tomorrow (novella and nonfic). I speak all over the place and I tweet and tumble, too.
MORE: bangladesh • corruption • economics • finance • human rights • india • microfinance
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33 Responses to "SKS, world's largest microfinance service, drives debtors to suicide"
Tosh Fieldsend says:
well that's a little bit horrifying.
Teller says:
Read this story a couple days ago. It's a billion-dollar loan-sharking business with often tragic results, since one way out of debt – allegedly suggested by the agents - is suicide.
Moriarty says:
Why would the agents suggest suicide? Dead people don't repay loans.
Antinous / Moderator says:
Why would the agents suggest suicide? Dead people don't repay loans.
Their children are easily sold into prostitution or used for organs.
Teller says:
The posted link above states that in death, the debt is forgiven. Your information must come from elsewhere.
Antinous / Moderator says:
It's India. Things don't work that way. A contract is only as good as your ability to pay enforcers.
TooGoodToCheck says:
I believe that life insurance may be a factor. I don't have a really good citation for this, but NPR mentions it here:
gwailo_joe says:
"usurious practices by vicious debt-collectors". Nothing new here.
Micro finance shocks the world by actually working. Big money gets involved. Bonuses for agents to get more loans. Too much credit is extended to people that can't afford it.
To the collectors the equation is simple: Default = Death. Driving desperate people to suicide for a pittance: Nice, real nice. Bastards.
Of course chump change to some is a fortune to others: still, why did the person making $48 a month borrow three thousand dollars? That's goddamned irresponsible……
Unscrupulous lenders and ignorent borrowers help to make the whole world fall apart.
Marco Antonio Morales says:
You're right. How goddamned irresponsible to suddenly have a need that surpasses your income. Accidents, house plumbing or roofing breaking, a child with medical needs, a broken car which supplies your income… how dare anyone have sudden monetary needs, specially in places where the income is so low, you only live day by day?
Teller says:
60 Minutes recently ran a piece on how gold is practically a cultural necessity in India. While Americans find gold a luxury, it isn't to Indian families of every stratum. Maybe gold plays a part in this need to borrow.
blueelm says:
It is ignorance though, ignorance of how this will progress once they take the loan. Most people who fall into this kind of mess are really unaware of how things can go afterward for them. Remember, ignorance isn't that big a deal until some one exploits it.
digi_owl says:
was it Einstein or someone else that said that the greatest problem for man was our inability to grasp exponential functions?
David Yoon says:
Invention of the epoch: debt!
jtegnell says:
Whatever happened to debtor's prisons? That's the way to go.
Just_Ok says:
they cost too much, no profit in them.
phisrow says:
Spoken like a man ignorant of the fine institution of the 'Sponging House'…
phisrow says:
The studious banality of the various besuited flacks quoted in the article is as impressive as it is alarming.
"The growth was very rapid. That growth led to some suboptimal outcomes," ""Mistakes were made, but I find it difficult to believe there was anything people did at a managerial level to encourage field officers to do that,""It must take practice to say things like that with a straight face. Can't make an omelet without killing some people, I suppose…
Brian Hansen says:
Though the callousness of their practices is immoral, the base cause is the inability for the borrower to fulfill their commitments. The losses by the borrowing company ultimately drives the cost of their products higher or the cost of interest higher for everyone else.
The education system surrounding credit and personal finance may be the core problem. However given that rampant credit is the only item running "progress" in business, this is not likely to reach the consumers.
phisrow says:
'Commitment' cuts both ways: The borrower agreed to pay the money back. The lender agreed to provide the loan without collateral(assuming the usual microfinance practice) based on the bet that enough of the loans would pay off to make that a profitable line of business.
Attempting to turn an unsecured loan into a secured loan by making default impossible, or inciting others to seize the borrower's assets, or similar means, isn't merely 'immoral' it is theft and a violation of their commitment.
People are free to offer unsecured credit; but they take on the risk of default by doing so. If you squeeze the defaulter to the point of suicide and they still haven't paid up, it seems pretty likely that they aren't just hiding their assets in a sham bankruptcy of some sort…
SedanChair says:
My, what a superior tone. I'd like to see what you'd do if someone offered to loan you $30 million USD.
Don't bother answering. The point is you don't know what you'll do until the opportunity presents itself.
Marc Mielke says:
Take it! It's EASY to disappear yourself with that much scratch! Harder with the smaller amounts discussed here.
I would not be surprised if this somehow gets blamed on Obama. Didn't his mother invent microloans or something?
Brian Hansen says:
The loan would not be taken as simple math can presume that few would be able to fulfill the commitment and consciously theft and bankruptcy fraud is not a viable option.
My first comment appears misconstrued, the primary point was that companies would not be placed into predatory collection actions given more education/time was presented during the initial lending commitment. Further the impact of defaulting borrowers (consumer or businesses), directly impact for any inter-related business partners.
This is so often the case when microcredit goes wrong. The borrowers are not educated enough by the lender as to what microcredit is for or how it works, there is not enough business consultation support from the lender, the loans are made without a true assessment of the viability of the borrower's business idea, the lender uses debt collectors instead of more of the above and educational business counsellors.
Microcredit borrowers in the developing world have a lower debt default ratio than borrowers in the western world. The errors here pretty much lie with the lender and are in many cases traceable back to a lenders suspect motivations for being in the microcredit industry.
The point is they've taken a system built for humanitarian purposes & used it for their own profit while selling it as the same system. It's not.
MrEricSir says:
Makes you wonder what the bankruptcy laws are in the countries where microfinance companies operate.
phisrow says:
Given the target demographics of the 'microfinance' model(poor, collateral-less borrowers, often possessing some other socially marginalizing characteristics, that the usual lenders won't touch) the bankruptcy laws probably end up not mattering all that much. Unless the local DA equivalent happens to be on a crusade, getting even the most favorable law applied is going to cost more than you can afford…
journey46 says:
The appetizer ?
The Constitutional right to spend money to buy elected officials who will insure business and banking are unregulated and fair business practice laws are eliminated.
The soup du jour.
Bankrupting nations and brow beating 3rd world debtors into suicide.
Wait, wait, don't leave, you're gonna love the main course !
Loss of all property and liberty in perpetual servitude.
And for dessert ?
The grease and flour scrapings of cake pans.
bcsizemo says:
"The grease and flour scrapings of cake pans."
If that's the brown stuff left over once I flip out the cake, I'm lovin' it. That's just about the best part of making a cake.
journey46 says:
it is what marie antoinette's famous quote "let them eat cake" to the french people really meant.
CH says:
Huh? Well, first of all, Marie Antoinette said no such thing, even though it is commonly attributed to her. And second of all, the original quote is about brioche, which isn't a cake. So, the "explanation" above doesn't sound that plausible. http://en.wikipedia.org/wiki/Let_them_eat_cake
stephenl123 says:
This story isn't particularly about Microfinance. That part is misleading. This same story happens all the time in the US with mortgages, shady loans, credit card debt, etc.
I am so, so sad to read this. Micro finance as developed by Muhammad Yunus has been a fantastic tool for poverty reduction, and as Muhammad Yunus tells it Grameen Bank works compassionately with borrowers who find themselves unable to pay - to do otherwise would nullify the whole point of Micro Finance which is of course to alleviate poverty. It's a system born out of compassion.
Muhammad Yunus is a dear, humble man who created a brilliant system. The system was created precisely to provide a different experience for borrowers than this kind of horror that was unfortunately the norm before the dawn of Micro Finance. I am so so sad to see Muhammad's brilliant idea being misused by greedy bankers who do not know how to put anyone first other than themselves.
SKS you have massively failed here. I suggest you bring in Grameen to reorganize all aspects of your training and entire operation.
atimoshenko says:
The only thing separating a (genuine) micro-finance operator from a loan shark are the ethics and motivations of the company and its employees. Shame on SKS and Sandstone.