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VIEWS: 34 PAGES: 4 CATEGORY: Business POSTED ON: 11/14/2010
Non Profit Credit Counseling Pg County Md document sample
Fall 2001 American America Saves Saver KANSAS CITY SAVER You Can Build Wealth Campaign Expands Getting disciplined to save merica Saves continues to A enroll new savers and expand into new communities. By the end of September, Kansas City B eth Mayes wasn't looking for financial help when she went to her local police station earlier always try to think about how I can save money. It's just a discipline thing. I think, where were you all Saves had signed up more than 200 this year. She needed to report her these years that you didn't know to savers, and Cleveland Saves was license plates stolen so her car would- do this?" nearing the 1000 mark. Broad coali- n't be ticketed. tions in Indianapolis, Charlotte, and But while she was waiting, a Gadsen County, FL had begun plan- poster for Kansas City Saves caught I always try to ning campaigns in their communi- her eye. "I thought, this is good for think about how ties. And organizers were beginning to build coalitions in Northern the neighborhood," she said. So she I can save Wisconsin, Seattle, and Phoenix. took down the information and start- money. Like the programs already ed attending meetings. Beth Mayes underway in Cleveland and Kansas Ms. Mayes was ready for the mes- City, these new campaigns are sage Kansas City Saves had to offer. Kansas City Saves also helped her intended primarily to assist the "Two years ago, the Lord put it on with budgeting, keeping better track financially vulnerable -- those who my heart to save," she said. At the of her check account balance, and have lost jobs or suffered cata- time, she had been building up credit making a monthly priority of setting strophic expenses, those who are card debts, shopping first and worry- money aside. Just as important, over-loaded with debt, and those ing about how to pay for it later. "I though, has been the support and with little or no savings. had too many credit cards, and I encouragement she's gotten from the The national program of program. "It was a good feeling America Saves is also taking off. used them more than I should." She Non-profit credit counseling agen- carried over her debt, making mini- knowing I could call someone who cies and Cooperative Extension mum payments, and shifted debt said, 'yeah, you're doing the right offices each are developing cam- from card to card. "It was like a thing.'" She also enjoys the sense of paigns for their members. dependency." companionship it provides. "I want The program got a big boost in When she started attending to be around people who are saving July, when Providian Financial Kansas City Saves meetings, she had money and living within their announced a two-year, $200,000 already made a start toward paying means." grant to support local and regional off those debts. The meetings gave Last year, Ms. Mayes managed to campaigns. All of the money from her useful tips on how to save money, pay off, and cut up, two of her credit Providian will be passed on in grants like saving her extra change in a jar, cards, and her goal is to cut up to help in the organization of these another two by the end of the year. campaigns. cutting out the unneeded services on Using funding from an earlier her telephone bill, and cutting down When she gets her debts paid off, she Bank of America Foundation grant, on pay tv. has no intention of going back to her Consumer Federation of America, Since joining Kansas City Saves, old ways. Consumer Credit Counseling Service she has taken that message and run "Ten years down the road, when of Northeast Ohio, and WECO have with it. Instead of eating her lunches it comes time to retire, I don't want provided technical assistance, out, she takes a brown bag lunch to my children to have to take care of including many site visits, to the work each day. She's also cut back me. I want my money saved. I want new campaigns. They have also on entertainment expenses, shops my money invested. I want to be developed an organizing manual that more carefully at the grocery store, taking care of myself, with my own any community can use to plan and and has decided she and her husband money." operate a campaign.. can get by without a second car. "I B u i l d W e a l t h N o t D e b t Savings Strategies Managing Consumer Debt Can you only afford to make mini- services or shifting credit card debt mum payments on your credit cards? from card to card. That can make your Do you worry constantly about finding situation much worse. the money to make monthly loan pay- Even refinancing consumer debt with Financial Market facts ments? Do you borrow more money to a mortgage loan is often a mistake. pay off old debts? While your loan rate may be lower, you If so, your debts are out of control. are spending the savings you have accu- October 2001 But there is hope. With some discipline mulated in your home — savings that Money market and some patience, almost anyone can you will almost certainly need later in account 1.39% reduce their debts and start to accumu- life. And, most people who refinance 1-year CD 2.52% late wealth. debts with a home equity loan continue 5-year CD 4.10% to accumulate consumer debts — a sure WHY PAY OFF DEBTS? recipe for financial disaster. U.S. Savings Bonds Americans spend more than $75 EE Bond 4.50% billion a year just on interest and fees HOW TO REDUCE YOUR DEBTS I Bond 5.92% on their credit cards. That's more than The first step in getting out of debt $750 per family — $750 that buys is to stop borrowing. That may mean Mortgage Rates them nothing in the way of food or cutting up your credit cards or, at least, 30-year fixed rate clothing or health care. locking them away in a safe place. mortgage 6.64% Those who make only minimum To stop borrowing, you have to stop 15-year fixed rate credit card payments or who roll over spending more than you earn. So, make mortgage 6.10% high cost payday loans fare far worse. a budget and cut out any expenses you 1-year adjustable They can end up paying much more can. While you're at it, figure out the mortgage 5.57% just in interest than the amount they most you can afford to pay each month originally borrowed. to reduce your consumer debts, and Sources: The New York Times, "Data Bank," pg. BU 13, October But the costs of debt are more than make those payments religiously. 21, 2001. U.S. Savings Bond rates just financial. Debtors say they lack If you have debts on more than one from www.savingsbond.gov, credit card, either pay off the card with October 22, 2001. peace of mind. They feel financially insecure all the time. And debts put a the highest interest rate first and work strain on families. Money is the number your way down to the lowest rate card, one topic of family arguments. Large or pay off the smallest loan first and Family Wealth facts debts can turn those arguments into a work your way up to the largest. family crisis. Once you've paid off your debts, avoid the temptation to start spending again. Instead, take that monthly pay- Average Household WHAT NOT TO DO ment and begin to save it. That should Consumer Debt The solution to debt problems is give you a cushion the next time an All consumer debt* not using commercial credit repair emergency strikes. (6/2001 est.) $15,000 Credit card debt (6/2001 est.) 6,300 Where to Get Help Households Seeking In most communities, there are agencies that can help you manage your Relief from Debts debts. The most helpful and available are non-profit Consumer Credit Counseling Services (CCCS). CCCS counselors can work with you privately to Bankruptcy filings help you develop a budget, outline options, and negotiate with creditors to repay (6/2000- your debts. Call 1-800-388-2227 to locate the office nearest you. 6/2001) 1.4 million In many communities, Cooperative Extension offices offer workshops, home- study courses, and other services to help people manage their money, including Credit counseling their consumer debts. Cooperative Extension offices are listed in the blue pages clients (2000) 1.1 million of the phone book under county government. *Excludes mortgage debt. If your debts are too large, you may want to consider bankruptcy. Source: Federal Reserve Bulletins, Bankruptcy can give you a fresh start, but it is a serious step that can damage American Bankruptcy Institute, your ability to get credit for years. Call your Legal Aid or Legal Services office National Foundation for Credit for advice. If you don't qualify for their services, ask them to refer you to a Counseling. bankruptcy attorney. A Quarter Saved is a Quarter Earned Take advantage of "90-day N o one knows better than Send your savings tips to: Savers how to find the extra same as cash" deals, but only if American Saver, c/o Consumer dollar here and quarter you have the cash on hand to pay Federation of America Foundation, P.O. there that, over time, add up to for the item. When you make the Box 12099, Washington, D.C. substantial savings. Here are a purchase, put money for the pur- 20005-0999. few of their savings tips. chase in a 3-month CD and let it If we select your tip for publication, collect interest. At the end of the we will send you a $50 EE Series I repaid a loan with automatic three months, you can use the cash Savings Bond (initial value $25). Please payments deducted from my direct plus the interest to pay off the include your name, mailing address, and deposit paycheck. Instead of stop- item. phone number so we can contact you to arrange for your savings bond. ping the deductions when the loan HAROMMA DICKERSON was repaid, I have the amount KANSAS CITY directly deposited into a savings The best way to save money is Save a couple of dollars (or account. This is my emergency to make sure that it starts in your more) per month by packing sand- fund, and I don't miss the money savings account. Get your pay- wiches and chips for lunch in as much as I would if I were mak- checks via direct deposit. It is too reusable containers. Plastic sand- ing the deposits myself. easy to ask for an "extra" twenty wich bags cost about $1.50 for 50 ESTER E. CRAWL-BEY, dollars cash when you deposit your bags. If I use four per day (for two CLEVELAND children), I would be buying two own paychecks. If your employer When washing windows, use doesn't have direct deposit, ask boxes per month — at a cost of newspaper to wipe them clean. why. It may be for lack of interest. about $36 dollars per year. I can Newspaper eliminates streaks, JERRY MUNK buy a four-pack of reusable con- leaves windows sparkling, and SILVER SPRING, MD tainers for about $3 total. saves the money you would spend LISA PIERCEFIELD To save money, shop at thrift COLUMBUS, IN for expensive paper towels. stores rather than department stores. GAIL KEEGAN LITA PRESTAMO MENTOR, OH CLEVELAND SavingsQuiz American Q. What do most experts consider to be a risky level of consumer debt for a family with an income of $50,000? Saver (a) More than $5,000 (b) More than $10,000 American Saver is the quarterly newsletter of (c) More than $20,000 (d) More than $30,000 the America Saves campaign, a national pro- A. More than $10,000. Most experts think that a consumer debt to income ratio of 20 percent is risky. That gram to encourage and assist Americans to debt would include credit card debt and installment loans, but not mortgage debt. save and build wealth more effectively. The campaign is coordinated by the non-profit Q. If you made only the two percent minimum payment on a $2,000 Consumer Federation of America Foundation credit card debt (at a 15.04% interest rate), how many months would (CFAF), supported by the Bank of America it take to pay off this debt completely? Foundation and other funders, and advised by (a) 13 months (b) 38 months (c) 84 months (d) 169 months dozens of non-profit, government, and busi- A. 169 months, and you would end up paying more than $2,200 in interest on top of the $2,000 borrowed. ness groups. Questions about how to start a local savings Q. If someone rolls over a $100 payday loan for a year, how much inter- campaign in your area should be directed to: est are they likely to owe? Nancy Register, America Saves, c/o CFAF, (a) $30 (b) $60 (c) $120 (d) More than $300 P.O. Box 12099, Washington, D.C. 20005- A. Since payday loan rates typically range between 300% and 400% (and are as high as 1000%), a 0999; 202-387-6121 (phone); 202-265-7989 borrower would be likely to owe more than $300 in interest. (fax); firstname.lastname@example.com. American Saver Editor: Barbara Roper 3 News F R O M L O C A L C A M PA I G N S ClevelandSaves KansasCitySaves OtherSavingsCampaigns In the six months since its official Kansas City Saves continues to Dozens of organizations are kick-off, the Cleveland campaign has expand its outreach efforts with new participating in monthly working really taken off. By the end of partners and programs. group meetings in Indianapolis, September, the campaign had held The Local INvestment Com- and task forces have been set up 56 workshops, attended by 1,133 mission (LINC) — an area-wide for detailed planning in such areas people, and signed up 900 Savers. community organization — has as education and organizational Both the Inter-Continental Hotel begun promoting Kansas City Saves recruiting. The campaign will and the Counsel for Economic in the many neighborhoods where it begin program testing this fall in Opportunities of Greater Cleveland has Caring Community sites and has preparation for a spring 2002 include Cleveland Saves workshops in incorporated the program into its launch. their new hire orientation programs. training for people who want to offer Since beginning planning Cleveland Savers have been featured at-home child care services. meetings in May, Gadsen Saves has in the local media. And Savers at In October, the Church drafted a service plan, developed a three area employers have organized Community Organization (CCO) brochure to use with potential themselves into Savers Clubs. invited Kansas City Saves to make partners and members of the pub- Many Savers have taken advan- its brochure available at an event lic, and received early publicity in tage of popular free services offered that brought together 700 individu- the local newspaper. to by the campaign, including a 30- als from different denominations. Charlotte Saves has organized minute phone fiscal fitness check-up Central Bank has run a promo- a broad coalition of non-profits, with volunteer financial advisers and tional campaign in local newspapers government agencies, and busi- the opportunity to participate in free encouraging area residents to deposit nesses to plan a savings campaign. technical office software training their federal tax rebate checks rather The president of Bank of America classes offered by the Cuyahoga than spend them. The bank offers of the Carolinas is a key leader of County's Workforce Investment $50 to those who enroll as Savers, this effort, which plans to test Board. attend a seminar, deposit the check services next spring and launch the All this activity is building in a Savers account, and leave the campaign that summer. toward recognition of the Cleveland money there for six months. Initial planning meetings have Saves 1000th Saver at a community As a result of its efforts, Kansas been held in Phoenix, Seattle, and savings celebration scheduled for City Saves had enrolled 217 Savers northern Wisconsin. In addition, November 17. At that event, several by the end of September. Louisville, Reno, Las Vegas, and savings bonds will be given away, as Jacksonville are exploring develop- will game tickets donated by the ing campaigns. Cleveland Indians. B u i l d W e a l t h N o t D e b t PRSRT STD AmericaSaves U.S. POSTAGE PAID You Can Build Wealth WASHINGTON, D.C. PERMIT NO. 8772 P.O. Box 12099 Washington D.C. 20005-0999
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subset: commoncrawl


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Renewable Energy Requires Storage Tech. to Capture Power
An issue that has cropped up as the country moves towards more renewable energy generation is how best to store excess energy generated, say by wind mills during windy periods or solar panels during sunny periods. Energy storage in the form of industrial strength batteries and other technologies is coming, but such things aren't yet installed where they're needed.


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Gov. Rick Snyder: Michigan leads the Midwest in creating private sector jobs since end of 2010 Governor Snyder Delivers 2015 Energy Special Message Celebrate March is Reading Month Pathways to Potential puts services in Michigan schools to help students succeed Governor Snyder's FY2016 Budget Proposal 2015 State of the State 2015 Michigan Inauguration The Bipartisan Plan to Fix Michigan's Roads Detroit: A Stronger City Emerges Just Fix Michigan's Roads
Latest News
- Gov. Rick Snyder: Michigan eliminates energy waste in state facilities, pursues ENERGY STAR certifications
- Gov. Rick Snyder signs bills for autism programs and trauma care
- [Infographic] Gov. Rick Snyder recognizes Healthy Michigan's one-year anniversary
- Gov. Rick Snyder: Healthy Michigan Plan has enrolled more than 600,000 people in first year
- Gov. Rick Snyder: Detroit education coalition recommendation focuses on student success
- Gov. Rick Snyder orders flags lowered to half-staff on Monday to honor service of fallen Marines
Michigan's Reinvention
Reinvention Spotlight
Key Issues
- Video: Why It's Time to Fix Michigan's Roads
- Highlights from Governor Rick Snyder's 2015 Second Inaugural Address
- The Bipartisan Plan to Fix Michigan's Roads
- Gov. Rick Snyder: Dramatic drop in unemployment rate serves as an inspiration to move forward
- Detroit stands taller, stronger as city exits bankruptcy


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How do you sharpen your knives?
I have a nice set of Icel professional knives (chef, paring, boning, etc.) that need to be sharpened. Do you take your knives to be sharpened by a professional, or do you do your own sharpening? I was looking at the All Clad sharpener at W&S this weekend and wondered if it was worth it.
I use the Chef's Choice manual knife sharpener every time I use a knife. It is extremely easy to use, costs about $20, and keeps them in sharp shape. I get a new sharpener every six months or so, because they wear out after a while.
I use a steel to maintain the edge on my knives. Chef's Choice is a good system I am familiar with. DO NOT USE the built-in the can opener variety!
Be aware that you do not want to be removing the edge on your knives often - or in a few years, you'll have no knife. A new edge should only be put on about once a year with heavy everyday use. The rest of the time you maintain that edge with a steel or other type re-aligning tool.
Here's an interesting link which discusses different sharpening systems exhaustively. After reading it I think I'm going to get a paper wheel setup.
Here is a link that might be useful: sharpening made easy
Can any one tell me how I can sharpen my Henckels Four Star knives? The set came with a steel, but I'm reluctant to use it since I am inexperienced. Thank you!
Also, here's a link from the "Knives #2" thread about sharpening knives:
Here is a link that might be useful: Knife sharpening
Chef's Choice about once or twice a year. Sharpening steel after regular use.
Mrs. Marv:
Exactly how do you use the sharpening steel?
Also, here is a different sort of Henckles sharpener. Does anyone have any opinions on this type? Thank you.
Here is a link that might be useful: Zwilling JA Henckels Twinsharp Knife Sharpener
We have Henckels knives, mostly, and use this sharpener. We like it. I can't say it's the greatest thing out there, since I've never used any other sharpener, but it does sharpen our knives well. It's small and cheap and very easy to use. When you draw the blade through you can feel the difference as the blade smooths out more with each pass. With a bit of practice (on some old, not so hot knives), we learned just how many time to pull each knife through the sharpener. We just use it when the steel no longer seems to do the job. Once we bought this gadget, we no longer send the knives out for sharpening any more - do-it-yourself is just fine.
Just heard this recommendation on The Splendid Table (National Public Radio, splendidtable.org): you can ship knives to holleyknives.com to have them sharpened. According to the report, you fill out a form so that they can send you shipping containers for the knives with a label. Haven't tried it, but that would be an option.


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Using the above settings I scored 10/10 and 9/10. Good luck.
I was wondering where I post to sign up for the ipv6 beta. I should meantion I have a sizable home network of 10 or so machines.
Is it possible to have our static IPv4 attached to an IPv6 account.
I am running a WRT160N v3, however the flash size must be under 4MB.
when the WRTs seems to be standing still on IPv6.
My webhost iweb.ca is starting to integrate IPv6 on their customer's dedicated server soon.=D
I neglected to mention I also have a static IP. TSI encouraged me to use a separate account in case something went wrong. I want to know if it's now considered safe to move my static IP to the IPv6-enabled account.
That has never been a requirement. The login you get is dual-stack. MLPPP has been supported the whole time. None of this is new.
Do we still need to be running a separate PPP session for IPv6? I know that early on it was kept separate to minimize risk. But it does seem fairly stable and it'd be nice to simplify some configuration, and also benefit from MLPPP on the IPv6 side as well.


text: Car Shows and Summertime By Lisa Marie June 28, 2014 10:53 AM Share on Facebook Share on Twitter Classic Car shows and summertime go hand-in-hand. Ellendale Days and the SCFF Barn bash in Owatonna both have car shows today. Here is a peek at some classic cars in Ellendale. Category: Articles, Community Bulletin Board Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! Best of KRFO Radio Recommended For You Around the Web


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Hotel San Carlo
No availability found through our partners. Please contact the business directly or check some of our recommended alternatives.
TripAdvisor Reviews Hotel San Carlo Molina di Ledro
Travel Blogs from Molina di Ledro
The tourists in Bologna
... depictions of Jesus blah blah blah, was the Meridian line. The inside of the Basilica was less ornate than I have become used to, it was actually quite plain.
We had lunch at an Italian food court which was varied in choice - pasta, cold meats, cheese or cold meats, cheese and pasta or cheese, pasta and cold meats. We all shared one of each.
After the feeding frenzy of pasta, cheese and cold meats, we hunted down ...
Burials in Bologna
... and one of the staff had spent time in Dublin at Blackrock College, so spoke great English with an Oirish accent. Well, an Italian one anyway! The really cute thing was the Nativity Scene (Presep as they are called here) where all the figures were fashioned with wine corks and caps. And then we noticed the shelf full of other, everyday, characters made in the same way. Very cleverly done. Joy took photos which we'll put in when time allows.
After this ...
The boxing match in Bologna
... of the stalls of the Christmas street market. Now all he has to do is pack the dirty socks and then go round to the post office tomorrow again. Incidentally, Italian post offices are great places to see numerous breeds of dog. Why do people take a dog on a trip to the post office, where they surely know from experience they will have a long wait, and the dogs will bark and squabble?
Anyway, back to Bologna. ...
Snow, snow, quick, quick, show
... disappointing to be honest. Still we set off to find the National Gallery, which turned out to be about ten minute walk, and then went to lunch in a nearby cafe/bar as the gallery didn't open till two. Lunch was good and simple, but a bit pricey. We were tomdiscover though that this price is typical of Bologna. Ah well, can't have it all cheap you know! Then the gallery... Joy still hasn't come down to earth. She ...
You may be wondering why I titled this post eat-aly, I am convinced that the itlians are determined to send me home with a little extra weight. The food is one of the best parts of experiencing Italy, but they also think that they need to stuff you to the brim with pasta. :) haha I love Italians. Granted there ware lots of different types of pasta and suaces and meats, and then there is the pizza, ...


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A Non-Profit Land Conservation Organization
Founded in 1980, Boothbay Region Land Trust (BRLT) is a non-profit organization working to conserve the natural beauty and character of the Boothbay Region including the towns of Boothbay, Boothbay Harbor, Edgecomb, and Southport. BRLT preserves provide over 30 miles of pet friendly hiking trails open year-round to the public, free of charge.
Nature Hike
April 7, 2015 10:00 am
at Porter Preserve, Kimballtown Road, Trevett, ME 04571, United States
stewardship mtg
April 9, 2015 8:00 am


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Release Date:
June 26, 2012
Date Published:
June 26, 2012
Navy SEAL Team Six commando Don Mann infuses his debut military thriller with the real-life details only a true insider can reveal.
In the midst of a grueling training exercise, Thomas Crocker, USN, unearths a pocket of terrorism that leads straight from the slopes of K2 to the cities of Europe and the Middle East. Crocker and his team, who are trained for the most intense kinds of combat in the most extreme environments, must blaze through a perilous web of terrorist cells to track down a ruthless sheikh who is running an international kidnapping ring before his captives pay the ultimate price.
HUNT THE WOLF is an adrenaline-packed novel sure to appeal to fans of Vince Flynn and Brad Thor, featuring the world's most elite soldiers and based on the experiences of renowned SEAL Team 6 commando Don Mann.
- Genre: Action + Thrillers, True Crime
- Publisher: Little, Brown & Company
- Pages: 320
other Info.
- Online Item #: 14171926
- Store Item Number (DPCI): 247-07-4896
- Made in the USA and Imported


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Canstar Community News - ONLINE EDITION
Exit interviews for Grade 9 Students at Robert Andrews
On the afternoon of June 6, Robert Andrews Middle School held its annual exit interviews for Grade 9 students.
These interviews give the Grade 9 students who are leaving the school a taste of what a real interview is like. They are conducted by guest interviewers from the community, most of whom the students are not familiar with.
According to Sandi Evans, vice-principal of Robert Andrews, the school has been doing these interviews for six years as a way of giving the students a chance to demonstrate what they have learned during their time at the school.
Approximately 25 to 30 volunteers from the area, including retired teachers, school board members, teachers from other schools and others happily give their afternoon to get to know some of the extraordinary young people coming out of Robert Andrews. For the past two years I have been proud to be asked to participate in this event.
Each interview lasts approximately 20 minutes, during which the students have the chance to show off their portfolios as well as to discuss their hopes and dreams for the future. Every interview is as different as the students who are interviewed, some are more structured and some are more of a conversation. Some of the students have so much to share that 20 minutes barely scratches the surface, while others need a little more encouragement to get over their nerves. But given the opportunity, even the most shy students shine.
These interviews give both the students and the volunteers a rare and unique glimpse into a world in which they may not be very familiar with, a world they have either grown out of or are growing into. I believe that those who are doing the interviews come away with as much gained from the experience as those who are interviewed.
I hope Robert Andrews continues to give its students and their community the chance to get to know each other in this way. Thank you to Sandi Evans for allowing me the pleasure of taking part in this event, and thank you to all the students for all your hard work in preparing for this and for letting us see what life as a student is like.
Suzanne Dyck is a community correspondent for River East.
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It will soon be time to hit the trails03/31/2015 8:59 AM 0
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@SouwesterWPG: Winnipeg Boys' Choir holds on to the high notes: bit.ly/1yx3kBE #RiverHeights #OsborneVillage #cbn 10:55 am on Apr 1
@SouwesterWPG: A $4 million investment in MITT's campus will make more space for students stuck on wait lists: bit.ly/1EZQmi4 #cbn 3:45 pm on Mar 31
@LanceWPG: Local hockey player has stellar debut season at U of M #cbn - via @WinnipegNews shar.es/1gqOPC via @ShareThis 3:36 pm on Mar 31
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Cycling, Dancing, Other types of exercise, Running, Skiing, Soccer, VolleyBall, Walking / Hiking, Yoga
I exercise 3-4 times per week.
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text:
Social media: A force to reckon with in the Middle East
Kippreport's top insights from the Digital Media ForumMarch 29, 2015 11:16
Register for our free newsletter
Qatar's bourse says plans rights issue trading
Soccer-Xavi close to deal with Al Sadd, says Qatari club
Soccer-Xavi close to deal with Al Sadd, says Qatari club
Abu Dhabi Airports CEO leaving to take up U.K. defence ministry role
Kuwait February inflation edges up to 2.9 pct
MIDEAST STOCKS-Gulf markets sink after Yemen intervention; Dubai worst hit
HSBC's Islamic banking unit plans sukuk sale in Malaysia
Oil rises more than 1 pct, boosted by weaker dollar
UAE's Shah gas project seen achieving full capacity in Q2
National Bank of Fujairah issues 500 mln dirham tier 1 capital
Iran warned its Arab neighbours on Sunday not to raise crude output to replace Iranian oil in the event of an embargo by the European Union, Tehran's OPEC Governor Mohammad Ali Khatibi was quoted as saying.
January 15, 2012 2:31 by Reuters
"The consequences of this issue are unpredictable. Therefore, our Arab neighbour countries should not cooperate with these adventurers and should adopt wise policies," Khatibi said in an interview with the Sharq newspaper.
European Union countries have agreed in principle to embargo imports of Iranian as part of the latest Western efforts to step up heat on Tehran.
They will look to other oil exporters to increase output to make up for the shortfall and Saudi Arabian Oil Minister Ali al-Naimi said on Saturday his country was ready to meet any increase in consumer countries' demand.
Iran, OPEC's second-largest oil producer after Saudi Arabia with output of about 3.5 million barrels per day, faces trade hurdles over its nuclear programme, which the United States and its allies say is aimed at building bombs.
Iran says it needs nuclear technology to generate electricity.
EU countries have proposed "grace periods" on existing contracts of one to 12 months to allow companies to find alternative suppliers before implementing an embargo.
Iran has threatened to block the vital oil shipping route of the Strait of Hormuz in the Gulf if sanctions imposed on its oil exports. (Writing by Ramin Mostafavi, Editing by Jonathan Thatcher)
Kuwait's KIPCO prices $286M local currency bond
January 15 2012
Bank Muscat posts slight Q4 profit rise
January 15 2012


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Centennial events set for Nov. 13-14
On Nov. 14, 1913, the cornerstone of the Carnegie library was set in place, marking one of the high points in Detroit Lakes history – the introduction of a library to the city of what was then Detroit.
Since then the community has grown, as the library has as well.
Though its size increased with a 1988 addition to support the increasing use of the library, the historic Carnegie portion of the library stands proud at the corner of Washington Avenue and Frazee Street.
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|By Dana Gardner
Article Rating:
|February 3, 2014 08:00 AM EST
Healthcare, like no other sector of the economy, exemplifies the challenges and the opportunity for improving how the various participants in a complex ecosystem interact.
The Open Group, at its next North American conference on Feb. 3, has made improved information flow across so-called boundaryless organizations the theme of its gathering of IT leaders, enterprise architects, and standards developers and implementers.
And so the next BriefingsDirect discussion explores what it takes to bring rigorous interactions, process efficiency, and governance to data and workflows that must extend across many healthcare participants with speed and dependability.
Learn now how improved cross-organization collaboration plays a huge part in helping to make healthcare more responsive, effective, safe, and cost-efficient. And also become acquainted with what The Open Group's new Healthcare Industry Forum is doing to improve the situation.
The panel of experts consists of Larry Schmidt, the Chief Technologist at HP for the America's Health and Life Sciences Industries, as well as the Chairman of The Open Group Healthcare Industry Forum, and Eric Stephens, an Oracle Enterprise Architect. The moderator is Dana Gardner, Principal Analyst at Interarbor Solutions. [Disclosure: HP is a sponsor of BriefingsDirect podcasts. The views of the panelists are theirs alone and not necessarily those of their employers.]
Here are some excerpts:
Gardner: Why is healthcare such a tough nut to crack when it comes to this information flow? Is there something unique about healthcare that we don't necessarily find in other vertical industries?
Schmidt: We've progressed in healthcare from a delivery model that was more based on acute care -- that is, I get sick, I go to the doctor -- to more of a managed care-type capability with the healthcare delivery, where a doctor at times is watching and trying to coach you. Now, we've gotten to where the individual is in charge of their own healthcare.
A lot of fragmentation
With that, the ecosystem around healthcare has not had the opportunity to focus the overall interactions based on the individual. So we see an awful lot of fragmentation occurring. There are many great standards across the powers that exist within the ecosystem, but if you take the individual and place that individual in the center of this universe, the whole information model changes.
Then, of course, there are other things, such as technology advances, personal biometric devices, and things like that that come into play and allow us to be much more effective with information that can be captured for healthcare. As a result, it's the change with the focus on the individual that is allowing us the opportunity to redefine how information should flow across the healthcare ecosystem.
The scenario of the individual being more in charge of their healthcare -- care of their health would be a better way to think of this -- is a way to see both improvements in the information flow as well as making improvements in the overall cost of healthcare going forward.
Because the ecosystem had pretty much been focused around the doctor's visit, or the doctor's work with an individual, as opposed to the individual's work with the doctor, we see tremendous opportunity in making advancements in the communications models that can occur across healthcare.
Gardner: Larry, is this specific to the United States or North America, is this global in nature, or is it very much a mixed bag, market to market as to how the challenges have mounted?
Schmidt: I think in any country, across the world, the individual being the focus of the ecosystem goes across the boundaries of countries. Of course, The Open Group is responsible and is a worldwide standards body. As a result of that, it's a great match for us to be able to focus the healthcare ecosystem to the individual and use the capabilities of The Open Group to be able to make advances in the communication models across all countries around healthcare.
Gardner: Eric, thinking about this from a technological point of view, as an enterprise architect, we're now dealing with this hub and spoke with the patient at the middle. A lot of this does have to do with information, data, and workflow, but we've dealt with these things before in many instances in the enterprise and in IT.
Is there anything particular about the technology that is difficult for healthcare, or is this really more a function of the healthcare verticals and the technology is really ready to step up to the plate?
Information transparency
Stephens: Well, Dana, the technology is there and it is ready to step up to the plate. I'll start with transparency of the information. Let's pick a favorite poster child, Amazon. In terms of the detail that's available on my account. I can look at past orders. I can look up and see the cost of services, I can track activity that's taking place, both from a purchase and a return standpoint. That level of visibility that you're alluding to exists. The technology is there, and it's a matter of applying it.
As to why it's not being applied in a rapid fashion in the healthcare industry, we could surmise a number of reasons. One of them is potentially around the cacophony of standards that exist and the lack of a "Rosetta Stone" that links those standards together to maximum interoperability.
The other challenge that exists is simply the focus in healthcare around the healthcare technology that's being used, the surgical instruments, the diagnostic tools, and such. There is focus and great innovation there, but when it comes to the plumbing of IT, oftentimes that will suffer.
Gardner: So we have some hurdles on a number of fronts, but not necessarily the technology itself. This is a perfect case study for this concept of the boundaryless information flow, which is really the main theme of The Open Group Conference coming up on February 3. [Register for the event here.]
Back to you, Larry, on this boundaryless issue. There are standards in place in other industries that help foster a supply-chain ecosystem or a community of partners that work together.
Is that what The Open Group is seeking? Are they going to take what they've done in other industries for standardization and apply it to healthcare, or do you perhaps need to start from scratch? Is this such a unique challenge that you can't simply retrofit other standardization activities? How do you approach something like healthcare from a standards perspective?
I think it's a great term to reflect the vast number of stakeholders that would exist across the healthcare ecosystem.
Schmidt: The first thing we have to do is gain an appreciation for the stakeholders that interact. We're using the term "ecosystem" here. I think it's a great term to reflect the vast number of stakeholders that would exist across the healthcare ecosystem. Anywhere from the patient, to the doctor, to payment organization for paying claims, the life sciences organizations, for pharmaceuticals, and things like that, there are so many places that stakeholders can interact seamlessly.
So it's being able to use The Open Group's assets to first understand what the ecosystem can be, and then secondly, use The Open Group's capabilities around things like security, TOGAF from an architecture methodology, enablement and so on. Those assets are things that we can leverage to allow us to be able to use the tools of The Open Group to make advances within the healthcare industry.
It's an amazing challenge, but you have to take it one step at a time, and the first step is going to be that definition of the ecosystem.
Gardner: I suppose there's no better place to go for teasing out what the issues are and what the right prioritization should be than to go to the actual participants. The Open Group did just that last summer in Philadelphia at their earlier North American conference. They had some 60 individuals representing primary stakeholders in healthcare in the same room and they conducted some surveys.
Larry, maybe you can provide us an overview of what they found and how that's been a guide to how to proceed?
Participant survey
Schmidt: What we wanted to do was present the concept of boundaryless information flow across the healthcare ecosystem. So we surveyed the participants that were part of the conference itself. One of the questions we asked was about the healthcare quality of data, as well as the efficiency and the effectiveness of data. Specifically, the polling questions, were designed to gauge the state of healthcare data quality and effective information flow.
We understood that 86 percent of those participants felt very uncomfortable with the quality of healthcare information flows, and 91 percent of the participants felt very uncomfortable with the efficiency of healthcare information flows.
In the discussion in Philadelphia, we talked about why information isn't flowing much more easily and freely within this ecosystem. We discovered that a lot of the standards that currently exist within the ecosystem are very much tower-oriented. That is, they only handle a portion of the ecosystem, and the interoperability across those standards is an area that needs to be focused on.
But we do think that, because the individual should be placed into the center of the ecosystem, there's new ground that will come into play. Our Philadelphia participants actually confirmed that, as we were working through our workshop. That was one of the big, big findings that we had in the Philadelphia conference.
We understood that 86 percent of those participants felt very uncomfortable with the quality of healthcare information flows.
Gardner: Just so our audience understands, the resulting work that's been going on for months now will culminate with the Healthcare Industry Forum being officially announced and open for business,, beginning with the San Francisco Conference. [Register for the event here.]
Tell us a little about how the mission statement for the Healthcare Industry Forum was influenced by your survey. Is there other information, perhaps a white paper or other collateral out there, that people can look to, to either learn more about this or maybe even take part in it?
Schmidt: We presented first a vision statement around boundaryless information flow. I'll go ahead and just offer that to the team here. Boundaryless information flow of healthcare data is enabled throughout a complete healthcare ecosystem to standardization of both vocabulary and messaging that is understood by all participants within the system. This results in higher quality outcomes, streamlined business processes, reduction of fraud, and innovation enablement.
When we presented that in the conference, there was big consensus among the participants around that statement and buy in to the idea that we want that as our vision for a Healthcare Forum to actually occur.
Since then, of course, we've published this white paper that is the findings of the Philadelphia Conference. We're working towards the production of a treatise, which is really the study of the problem domain that we believe we can be successful in. We also can make a major impact around this individual communication flow, enabling individuals to be in charge of more of their healthcare.
Our mission will be to provide the means to enable boundaryless information flow across the ecosystem. What we're trying to do is make sure that we work in concert with other standards bodies to recognize the great work that's happening around this tower concept that we believe is a boundary within the ecosystem.
Additional standards
Hopefully, we'll get to a point where we're able to collaborate, both with those standards bodies, as well as work within our own means to come up with additional standards that allows us to make this communication flow seamless or boundaryless.
Gardner: Eric Stephens, back to you with the enterprise architect questions. Of course, it's important to solve the Tower of Babel issues around taxonomy, definitions, and vocabulary, but I suppose there is also a methodology issue.
Frameworks have worked quite well in enterprise architecture and in other verticals and in the IT organizations and enterprises. Is there something from your vantage point as an enterprise architect that needs to be included in this vision, perhaps looking to the next steps after you've gotten some of the taxonomy and definitions worked out?
Stephens: Dana, in terms of working through the taxonomies and such, as an enterprise architect, I view it as part of a larger activity around going through a process, like the TOGAF methodology, it's architecture development methodology.
In the healthcare landscape, and in other industries, there are a lot of players coming to the table and need to interact.
By doing so, using a tailored version of that, we'll get to that taxonomy definition and the alignment of standards and such. But there's also the addressing alignment and business processes and other application components that comes into play. That's going to drive us towards improving the viscosity of the information, that's moving both within an enterprise and outside of the enterprise.
In the healthcare landscape, and in other industries, there are a lot of players coming to the table and need to interact, especially if you are talking about a complex episode of care. You may have two, three, or four different organizations in play. You have labs, the doctors, specialized centers, and such, and all that requires information flow.
Coming back to the methodology, I think it's bringing to bear an architecture methodology like provided in TOGAF. It's going to aid individuals in getting a broad picture, and also a detailed picture, of what needs to be done in order to achieve this goal of boundaryless information flow.
Drive standardization
One of the things that we can do in the Forum is start to drive standardization, so that we have the data and devices working together easily, and it provides the necessary medical professionals the information they need, so they can make more timely decisions. It's giving the right information, to the right decision maker, at the right time. That, in turn, drives better health outcomes, and it's going to, we hope, drive down the overall cost profile of healthcare, specifically here in the United States.
Gardner: Getting back to the conference, I understand that the Healthcare Industry Forum is going to be announced. There is going to be a charter, a steering committee program, definitions, and treatise in the works. So there will be quite a bit kicking off. I would like to hear from you two, Larry and Eric, what you will specifically be presenting at the conference in San Francisco in just a matter of a week or two. Larry, what's on the agenda for your presentations at the conference? [Register for the event here.]
Schmidt: Actually, Eric and I are doing a joint presentation and we're going to talk about some of the challenges that we think we can see is ahead of us as a result of trying to enable our vision around boundaryless information flow, specifically around healthcare.
As an enterprise architect, I look at things in terms of the business, the application, information, technology, and architecture.
The culture of being able to produce standards in an industry like this is going to be a major challenge to us. There is a lot of individualization that occurs across this industry. So having people come together and recognize that there are going to be different views, different points of views, and coming into more of a consensus on how information should flow, specifically in healthcare. Although I think any of the forums go through this cultural change.
We're going to talk about that at the beginning in the conference as a part of how we're planning to address those challenges as part of the Industry Forum itself. Then, other meetings will allow us to continue with some of the work that we have been doing around a treatise and other actions that will help us get started down the path of understating the ecosystem and so on.
Those are the things that we'll be addressing at this specific conference.
Stephens: As an enterprise architect, I look at things in terms of the business, the application, information, technology, and architecture. When we talk about boundaryless information flow, my remarks and contributions are focused around the information architecture and specifically around an ecosystem of an information architecture at a generic level, but also the need and importance of integration. I will perhaps touch a little bit on the standards to integrate that with Larry's thoughts.
Soliciting opinions
Schmidt: Dana, I just wanted to add the other work that we'll be doing there at the conference. We've invited some of the healthcare organizations in that area of the country, San Francisco and so on, to come in on Tuesday. We plan to present the findings of the paper and the work that we did in the Philadelphia Conference, and get opinions in refining both the observations, as well as some of the direction that we plan to take with the Healthcare Forum.
Obviously we've shared here some of the thoughts of where we believe we're moving with the Healthcare Forum, but as the Forum continues to form, some of the direction of it will morph based on the participants, and based on some of the things that we see happening with the industry.
So, it's a really exciting time and I'm actually very much looking forward to presenting the findings of the Philadelphia Conference, getting, as I said, the next set of feedback, and starting the discussion as to how we can make change going toward that vision of boundaryless information flow.
We're actually able to see a better profile of what the individual is doing throughout their life and throughout their days.
Gardner: I should also point out that it's not too late for our listeners and readers to participate themselves in this conference. If you're in the San Francisco area, you're able to get there and partake, but there are also going to be online activities. There will be some of the presentations delivered online and there will be Twitter feeds.
So if you can't make it to San Francisco on February 3, be aware that The Open Group Conference will be available in several different ways online. Then, there will be materials available after the fact to access on-demand. Of course, if you're interested in taking more activity under your wing with the Forum itself, there will be information on The Open Group website as to how to get involved.
Before we sign off, I want to get a sense of what the stakes are here. It seems to me that if you do this well and if you do this correctly, you get alignment across these different participants -- the patient being at the hub of the wheel of the ecosystem. There's a tremendous opportunity here for improvement, not only in patient care and outcomes, but costs, efficiency, and process innovation.
So first to you Larry. If we do this right, what can we expect?
Schmidt: There are several things to expect. Number one, I believe that the overall health of the population will improve, because individuals are more knowledgeable about their individualized healthcare and doctors have the necessary information, based on observations in place, as opposed to observations or, again, through discussion and/or interview of the patient.
We're actually able to see a better profile of what the individual is doing throughout their life and throughout their days. That can provide doctors the opportunity to make better diagnosis. Better diagnosis, with better information, as Eric said earlier, the right information, at the right time, to the right person, gives the whole ecosystem the opportunity to respond more efficiently and effectively, both at the individual level and in the population. That plays well with any healthcare system around the world. So it's very exciting times here.
Metrics of success
Gardner: Eric, what's your perspective on some of the paybacks or metrics of success, when some of the fruits of the standardization begin to impact the overall healthcare system?
Stephens: At the risk of oversimplifying and repeating some of things that Larry said, it comes down to cost and outcomes as the two main things. That's what's in my mind right now. I look at these very scary graphs about the cost of healthcare in the United States, and it's hovering in the 17-18 percent of GDP. If I recall correctly, that's at least five full percentage points larger than other economically developed countries in the world.
The trend on individual premiums and such continues to tick upward. Anything we can do to drive that cost down is going to be very beneficial, and this goes right back to patient-centricity. It goes right back to their pocketbook.
And the outcomes are important as well. There are a myriad of diseases and such that we're dealing with in this country. More information and more education is going to help drive a healthier population, which in turn drives down the cost. The expenditures that are being spent are around the innovation. You leave room for innovation and you leave room for new advances in medical technology and such to treat diseases going. So again, it's back to cost and outcomes.
Anything we can do to drive that cost down is going to be very beneficial, and this goes right back to patient centricity.
Gardner: Very good. I'm afraid we will have to leave it there. We've been talking with a panel of experts on how the healthcare industry can benefit from improved and methodological information flow. And we have seen how the healthcare industry itself is seeking large-scale transformation and how improved cross-organizational interactions and collaborations seem to be intrinsic to be able to move forward and capitalize and make that transformation possible.
And lastly, we have learned that The Open Group's new Healthcare Industry Forum is doing a lot now and is getting into its full speed to improve the situation.
This special BriefingsDirect discussion comes to you in conjunction with The Open Group Conference on February 3 in San Francisco. It's not too late to register at The Open Group website and you can also follow the proceedings during and after the conference online and via Twitter.
So a big thank you to our panel, Larry Schmidt, the Chief Technologist at HP for the America's Health and Life Sciences Industries, as well as the Chairman of The new Open Group Healthcare Industry Forum, and Eric Stephens, an Oracle Enterprise Architect. We appreciate your time Eric.
I'm Dana Gardner, Principal Analyst at Interarbor Solutions, your host and moderator for this look at the healthcare ecosystem process. Thanks for listening, and come back next time for more BriefingsDirect podcast discussions.
Transcript of a BriefingsDirect podcast on how The Open Group is addressing the information needs and challenges in the healthcare ecosystem. Copyright The Open Group and Interarbor Solutions, LLC, 2005-2014. All rights reserved.
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15th Cloud Expo, which took place Nov. 4-6, 2014, at the Santa Clara Convention Center in Santa Clara, CA, expanded the conference content of @ThingsExpo, Big Data Expo, and DevOps Summit to include two developer events. IBM held a Bluemix Developer Playground on November 5 and ElasticBox held a Hackathon on November 6. Both events took place on the expo floor. The Bluemix Developer Playground, for developers of all levels, highlighted the ease of use of Bluemix, its services and functionality and provide short-term introductory projects that developers can complete between sessions.
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Temasys has announced senior management additions to its team. Joining are David Holloway as Vice President of Commercial and Nadine Yap as Vice President of Product. Over the past 12 months Temasys has doubled in size as it adds new customers and expands the development of its Skylink platform. Skylink leads the charge to move WebRTC, traditionally seen as a desktop, browser based technology, to become a ubiquitous web communications technology on web and mobile, as well as Internet of Things compatible devices.
Mar. 26, 2015 06:00 PM EDT Reads: 1,651
SYS-CON Events announced today that robomq.io will exhibit at SYS-CON's @ThingsExpo, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY. robomq.io is an interoperable and composable platform that connects any device to any application. It helps systems integrators and the solution providers build new and innovative products and service for industries requiring monitoring or intelligence from devices and sensors.
Mar. 26, 2015 06:00 PM EDT Reads: 1,242
The list of 'new paradigm' technologies that now surrounds us appears to be at an all time high. From cloud computing and Big Data analytics to Bring Your Own Device (BYOD) and the Internet of Things (IoT), today we have to deal with what the industry likes to call 'paradigm shifts' at every level of IT. This is disruption; of course, we understand that – change is almost always disruptive.
Mar. 26, 2015 05:15 PM EDT Reads: 835
WebRTC is an up-and-coming standard that enables real-time voice and video to be directly embedded into browsers making the browser a primary user interface for communications and collaboration. WebRTC runs in a number of browsers today and is currently supported in over a billion installed browsers globally, across a range of platform OS and devices. Today, organizations that choose to deploy WebRTC applications and use a host machine that supports audio through USB or Bluetooth can use Plantronics products to connect and transit or receive the audio associated with the WebRTC session.
Mar. 26, 2015 05:00 PM EDT Reads: 1,471
Docker is an excellent platform for organizations interested in running microservices. It offers portability and consistency between development and production environments, quick provisioning times, and a simple way to isolate services. In his session at DevOps Summit at 16th Cloud Expo, Shannon Williams, co-founder of Rancher Labs, will walk through these and other benefits of using Docker to run microservices, and provide an overview of RancherOS, a minimalist distribution of Linux designed expressly to run Docker. He will also discuss Rancher, an orchestration and service discovery platf...
Mar. 26, 2015 04:15 PM EDT Reads: 2,296
SYS-CON Media announced today that @WebRTCSummit Blog, the largest WebRTC resource in the world, has been launched. @WebRTCSummit Blog offers top articles, news stories, and blog posts from the world's well-known experts and guarantees better exposure for its authors than any other publication. @WebRTCSummit Blog can be bookmarked ▸ Here @WebRTCSummit conference site can be bookmarked ▸ Here
Mar. 26, 2015 04:00 PM EDT Reads: 1,588
SYS-CON Events announced today that Alert Logic, the leading provider of Security-as-a-Service solutions for the cloud, has been named "Bronze Sponsor" of SYS-CON's 16th International Cloud Expo® and DevOps Summit 2015 New York, which will take place June 9-11, 2015, at the Javits Center in New York City, NY, and the 17th International Cloud Expo® and DevOps Summit 2015 Silicon Valley, which will take place November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA.
Mar. 26, 2015 04:00 PM EDT Reads: 1,463
Sonus Networks introduced the Sonus WebRTC Services Solution, a virtualized Web Real-Time Communications (WebRTC) offer, purpose-built for the Cloud. The WebRTC Services Solution provides signaling from WebRTC-to-WebRTC applications and interworking from WebRTC-to-Session Initiation Protocol (SIP), delivering advanced real-time communications capabilities on mobile applications and on websites, which are accessible via a browser.
Mar. 26, 2015 04:00 PM EDT Reads: 1,618
SYS-CON Events announced today that Aria Systems, the leading innovator in recurring revenue, has been named "Bronze Sponsor" of SYS-CON's @ThingsExpo, which will take place on June 9–11, 2015, at the Javits Center in New York, NY. Proven by the world's most demanding enterprises, including AAA NCNU, Constant Contact, Falck, Hootsuite, Pitney Bowes, Telekom Denmark, and VMware, Aria helps enterprises grow their recurring revenue businesses. With Aria's end-to-end active monetization platform, global brands can get to market faster with a wider variety of products and services, while maximizin...
Mar. 26, 2015 04:00 PM EDT Reads: 1,461
SYS-CON Events announced today that Vitria Technology, Inc. will exhibit at SYS-CON's @ThingsExpo, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY. Vitria will showcase the company's new IoT Analytics Platform through live demonstrations at booth #330. Vitria's IoT Analytics Platform, fully integrated and powered by an operational intelligence engine, enables customers to rapidly build and operationalize advanced analytics to deliver timely business outcomes for use cases across the industrial, enterprise, and consumer segments.
Mar. 26, 2015 03:30 PM EDT Reads: 2,047
SYS-CON Events announced today that Solgenia will exhibit at SYS-CON's 16th International Cloud Expo®, which will take place on June 9-11, 2015, at the Javits Center in New York City, NY, and the 17th International Cloud Expo®, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. Solgenia is the global market leader in Cloud Collaboration and Cloud Infrastructure software solutions. Designed to "Bridge the Gap" between Personal and Professional Social, Mobile and Cloud user experiences, our solutions help large and medium-sized organizations dr...
Mar. 26, 2015 03:00 PM EDT Reads: 2,536
SYS-CON Events announced today that Liaison Technologies, a leading provider of data management and integration cloud services and solutions, has been named "Silver Sponsor" of SYS-CON's 16th International Cloud Expo®, which will take place on June 9-11, 2015, at the Javits Center in New York, NY. Liaison Technologies is a recognized market leader in providing cloud-enabled data integration and data management solutions to break down complex information barriers, enabling enterprises to make smarter decisions, faster.
Mar. 26, 2015 03:00 PM EDT Reads: 3,309
Connected devices and the Internet of Things are getting significant momentum in 2014. In his session at Internet of @ThingsExpo, Jim Hunter, Chief Scientist & Technology Evangelist at Greenwave Systems, examined three key elements that together will drive mass adoption of the IoT before the end of 2015. The first element is the recent advent of robust open source protocols (like AllJoyn and WebRTC) that facilitate M2M communication. The second is broad availability of flexible, cost-effective storage designed to handle the massive surge in back-end data in a world where timely analytics is e...
Mar. 26, 2015 02:45 PM EDT Reads: 4,635
SYS-CON Events announced today that Akana, formerly SOA Software, has been named "Bronze Sponsor" of SYS-CON's 16th International Cloud Expo® New York, which will take place June 9-11, 2015, at the Javits Center in New York City, NY. Akana's comprehensive suite of API Management, API Security, Integrated SOA Governance, and Cloud Integration solutions helps businesses accelerate digital transformation by securely extending their reach across multiple channels – mobile, cloud and Internet of Things. Akana enables enterprises to share data as APIs, connect and integrate applications, drive part...
Mar. 26, 2015 02:15 PM EDT Reads: 1,314


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Planning has already begun for VCC's 2015 Learning Exchange luncheon.
Save the date!
December 10, 2015
Planning has already begun for VCC's 2015 Learning Exchange luncheon.
Save the date!
December 10, 2015
Bank of Botetourt and VCC are Making
As one of VCC's valued long term customers, Bank of Botetourt's (senior leadership team pictured above) brand promise is "Taking Care of You" which really speaks to their commitment to reach out within their local communities and do all they can to further the area's overall economic development. VCC has helped them meet these goals through investments, such as certificates of deposit and LION, which help improve the quality of life for residents in Virginia communities, while also helping the bank meet its CRA goals.
VCC Continues to Demonstrate Commitment to Facilitating Healthy Foods Across Virginia
Governor McAuliffe just appointed VCC's President & CEO, Jane Henderson, to the Governor's Commonwealth Council on Bridging the Nutritional Divide. The Council's team initiative #2 (promoting Virginia's leading industry – agriculture - and increasing access to affordable, healthy, and local foods) ties in very nicely with VCC's Virginia Fresh Food Loan Fund (VFFLF), as both strive to expand access to healthy, local foods throughout the Commonwealth. Seven Hills Food, LLC is participating in the VFFLF and will revitalize and open a meat processing facility in Lynchburg, creating 43 new jobs while simultaneously committing to purchase 100 percent Virginia-grown beef and pork.
|Learn more here.
See OFN's Video about
Community Development Financial Institutions (CDFI's)
To view CDFI video,
click here.


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Store Design Specialist (northeast territory)
Benjamin Moore - New Jersey
This job posting is no longer available on Benjamin Moore. Find similar jobs: Store Design Specialist jobs - Benjamin Moore jobs
About this company
Not only can you paint the town red with Benjamin Moore paints, you can stain and finish it as well. In addition to ready-mixed colors --...


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The Central Florida Regional Transportation Authority (LYNX) has equipped its 290 fixed-route buses and 10 supervisor cars with Mentor Streets Automatic Vehicle Location (AVL) technology from Mentor Engineering to improve on-time fleet performance and meet the growing need for public transportation.
The Mentor Streets ITS solution allows LYNX to track buses in real-time on color-coded, highly customizable maps. This capability enables customer service staff to provide instant and accurate information on bus locations.
Building on their AVL acquisition, LYNX will soon be equipping their fleet with the Streets CAD module, as well as Mentor Ranger rugged in-vehicle computers to expand and enhance Mentor Streets' functionality in the field and office.
ABQ RIDE is looking to model its plan after the Greater Cleveland Regional Transit Authority's HealthLine, which is sponsored through a hospital partnership. Construction on the so-called ART system could begin in May 2016 with an in-service date of September 2017.
The service, which costs $6 a ride, asks riders to download the Leap app, creating an account, uploading a photo and adding a credit card that enables them to pay via a QR code.
Agencies ordering the company's products, which are now in at least half of all new U.S. and Canadian transit buses, include L.A. Metro, Chicago Transit Authority and New York City Transit.
The contract includes a firm order for 35 XN40 and 20 XN60 Xcelsior buses, with an option for another 150 XN40 and 100 XN60 over the next five years. All buses are to be powered by CNG.
The decision comes after the agency conducted an analysis and product review period. Implementation of the project began in February and all work is expected to be completed by the end of April.
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NBDC Alliances
NBDC is proud to partner with DiversityInc
Sign up for the DiversityInc e-newsletter >
NBDC is proud to partner with sitecues by Ai Squared
NBDC Events
NBDC Distance Learning Workshop
49th Annual Celebrity Sports Night
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The Viscardi Center
Featured Resource
"Who I Am" Public Service Announcement
Rather than be defined by disability, "Who I Am" cast members are the sum of their many life roles, which includes working in jobs they love. Learn more about the PSA.
For Employers
If your organization is looking to promote inclusion and diversity in the workplace look no further. The Emerging Leaders Summer Internship Program for College Students with Disabilities, coordinated by the National Business & Disability Council (NBDC) at The Viscardi Center, is a highly competitive program that places top undergraduate and graduate college students with disabilities in fulfilling summer internships with companies nationwide. We help you find interns with disabilities who are qualified for the positions you need to fulfill.
Benefits to Participating Employers:
• Access to highly qualified, motivated interns with proven track records of scholastic achievement, leadership
abilities, and a demonstrated desire to achieve and excel.
• Access to a talent pool of potential employees ready to contribute to your organization's success.
• Opportunity to enhance your reputation as an employer of choice, committed to diversity, willing to break
through attitudinal barriers and negative stereotypes concerning people with disabilities.
The NBDC Emerging Leaders Program Management Team provides the following services for Employer Partners:
• Extensive outreach to targeted colleges and universities.
• Processing of program applicants.
• A pool of resumes of students with disabilities who meet your program requirements.
• Ongoing support, as needed, to assure a successful experience for you and your Emerging Leaders interns.
If you are a member company that would like to complete the Employer Partner Profile Template please click here to login.
Read what we ask participating employers to provide.
For information on how your organization can participate, contact us at 516.465.1519 or firstname.lastname@example.com.
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Don't just hire an intern, hire an Emerging Leader!
NBDC Events
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BBC Radio Foyle Programmes A to Z - J
Jazz Club
Walter Love presents a selection of the best in jazz, including Radio Ulster recordings.
Jazz Club with Walter Love
Walter plays Classic jazz tracks and presents features on legendary performers.
Jazz World with Linley Hamilton
Linley selects the best contemporary jazz from the Irish jazz scene and around the world.


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We had a BLAST bringing Music Together® to the
Learning Expo this morning. The family participation was amazing! I can't wait
to share the pictures Jennifer Breuer from Rocket City Mom captured during our
presentation. So many new faces! I invite all our participants and viewers to
join us this spring for the TRIANGLE collection. Registration opens to the
public February 15. Thanks again RCM for hosting such a fantastic event!
2015 TRIANGLE Collection March
17 - May 30 Closed Registration: (returning families): Now - February 14 Open Registration: February 15 - April 4 Duration: 10 weekly, 45-minute
Check out our
new classes and times. Additional
classes may be added as current classes continue to fill. Contact us for more details. REGISTER NOW!
Click here to watch the 6-minute educational video "Using Your Singalong Storybooks Musically." Based on songs from the Music Together song collections, Music Together Singalong Storybooks inspire singing, pre-literacy learning, and imaginative play between children and their favorite adults. Available in both hardback and board-book formats, the books include fun activity suggestions designed to stimulate learning and music-making at home and in the classroom.
Did you know that all children are musical? Have you ever wondered what you can do to nurture the musical growth of your child, regardless of your own musical ability? Experience Music Together and find out how important--and how fun--your role can be! Our Music Together classes build on your child's natural enthusiasm for music and movement. We'll help you provide your child with the basic musical skills needed to enjoy school and social musical activities, and to study an instrument should he or she choose to do so. Do Babies Benefit? Yes! Infants' participation will seem passive at first, but they are actively absorbing what they are seeing, hearing, and feeling. By reading the parent guide to children's music development and through parent education in the class, caregivers will learn to recognize their infant's musical responses and observe them reaching musical milestones. As their bodies and nervous systems mature, the infants often show progressively more complex musical responses and evidence of song recognition. Parents will learn in class how to enhance their child's music development and how to create or enhance the musical bond with their child.
Visit Music Together's national website at www.musictogether.com
Preview a class online at www.musictogether.com. Please contact Amie Furber if you would like to experience a class.


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Abstract available in
Claims available in
Description (OCR text may contain errors)
Sept. 19, 1950 M. BONNET 2,522,812
COMPOSITE PHOTOGRAPHIC PICTURE wnn REFLECTING BACK Filed Dec. 7, 1945 INVENTOR Maur/ce flan/76b ATTORNEYS Patented Sept. 19,1950
I COMPOSITE PHOTOGRAPHIC PICTURE WITH REFLECTING, BACK Maurice Bonnet, Paris. France, assignorto La Reliephographie, Socit pour lExploitation des Procds de Photographic en relief Maurice Bonnet, Paris, France, a French corporation Application December 7, 1945, Serial'No. 633,510
In France October 24, 1938 Section 1,, Public Law 690, August 8, 1946 Patent expires October 24,1958
1 Claim.
The present invention relates to an improved photograph giving the illusion of relief. Itconstitutes a practical and commercial solution of the problem of relief photography which has hitherto found only an imperfect solution or at least a solution limited to laboratory curiosities.
A photograph giving the impression of relief, which forms the subject matter of the present invention, and which hereinafter is termed a relief photograph, in order to simplify de scription, is essentially constituted by a com-- posite image, for instance an image obtained through the partial superposition of a plurality of photographs of an object, obtained through the medium of a net, each one of said images differing from the others, only by the differences resulting from the fact that said images have been taken under different angles.
Said composite image is located between a front lenticular selector net, for instance a net cylindrically lined, or again a spherulated net, and a rear opaque surface which is both a reflecting and diffusing surface.
It is this combination of three elements: lenticular net, composite image, and reflectingdiffusing rear surface, which renders possible the production of relief photographs imparting their whole effect by ordinary observation in daylight, without the necessity of any rear or top illumination which is otherwise necessary in the forms of execution known at the present time.
The photographs produced according to the invention can be mounted upon a wall, like a simple photograph under glass, or mounted on a table photograph-carrying frame.
The advance in the art achieved by means of this invention is, therefore, considerable.
The hereinafter defined combination has es sentially for its object a gain of light, a condition which is indispensable for rendering possible the direct observation of relief photographs obtained through application of the known net method. If one considers the three elements of the combination separately one finds indeed that:
(1) The refrigerant lenticular net produces the optical selection of the images practically with out any loss of light, while the hitherto sug gested ruled screens cause a loss of light of the order of 90%, since the width of the opaque lines and that of the transparent lines forming the screens used in said application are in practice in the relation of about to l.
(2) The rear surface is a reflecting surface, in order to absorb as small a quantity as p ss of the rays of flight which arrive thereon through the emulsion. v i
A surface which is only reflecting is quite unfit for use, indeed, if a relief photograph according to theinvention were to have a mirror as a rear surface and, for example, the observer placed with a source-oflight (a window for in-. stance) behind him, the observer would in fact only see in .thephotograph the reflected image of the window, said window image being blurred by the recorded photographic image.
It is for this reason that the surface which is reflecting must also be a diffusing surface, in order to avoid the just mentioned troublesome phenomenon.
(3) Taking into consideration the present state of technical knowledge, in the matter of photographic chemistry, i. e. the necessity of doing away with the dichroic fog, the image layer which generally contains the composite image has a silver concentration which is much lower than that of the image layer which is used at the present time for photographic negatives. It is practically of the same order as that of photographic papers. Thus, the composite image is, though shaded, very transparent, which makes it still possible for a large quantity of light to pass through the image layer and to be then reflected by the rear surface.
One sees thus that a gain of light in the net, a gain of light in the composite image and a gain of light on the rear surface are obtained, the total gain ensuring, the possibility of obtaining relief photographs meeting the conditions of direct observation without any additional illumination or apparatus therefor.
In the appended drawing which is given only by way of an explanation, and is drawn without any consideration either of scale or of proportions for the sake of clearness:
Fig. l is a diagrammatic cross-sectional view showing a preferred embodiment of a relief photograph according to the invention,
Fig. 2 is a front View, showing a rear reflectingdiifusing opaque surface according to the invention, and
Fig. 3 is a sectional view of such a surface.
As shown in Fig. 1, the photograph according to the invention is constituted by the combination of three elements: the front lenticular selector net i, the image layer 2 on a transparent supporting layer 4, and the rear reflectingdiffusing opaque surface 3. Of course, the position of the net is fixed with respect to that of the layer carrying the composite image, and both 3 these elements must, therefore, be strictly fast with each other.
The rear reflecting-diffusing opaque surface 3 is preferably corrugated, ribbed or fluted as indicated at numeral 1.
Fig. 2 shows that the striations of the surface 7 are not necessarily parallel to the edges of the photograph. They can be directed obliquely, in order to be perpendicular to the projection, in the plane of the photograph, of the main direction through which the light arrives.
In the form of execution shown in Fig. 3, the section of the striations has a triangular form with unequal sides, in order to reflect to the maximum the light which arrives from a predetermined direction, towards another equally predetermined direction.
It is obvious that, if the reflecting-diffusing surface has not a sufficient rigidity by itself, it will be possible to add to it a back support of any material for insuring its evenness.
Of course, and although it has been mentioned above that the composite image is generally contained in a photographic image layer, it will be possible, Without departing from the scope and spirit of the invention, to make relief photographs in which the composite image will have been reproduced by a printing method.
, Having now particularly described and ascertained the nature of my said invention, and in 4 what manner the same is to be performed, I declare that What I claim is:
A relief photograph comprising a rigid transparent support, a transparent composite image layer carried by said support, a lenticular selector net secured in juxtaposed relation to one surface of said support, and an opaque light reflecting and light diffusing element secured in juxtaposed relation to the other surface of said support, said element having one surface formed to provide a multiplicity of parallel flutes of soalene triangular cross section directed towards said image layer.
REFERENCES CITED The following references are of record in the file of this patent:
UNITED STATES PATENTS Number Name Date I 1,150,374 Kanolt Aug. 17, 1915 1,858,975 Bois May 17, 1932 2,140,702 Kanolt Dec. 20, 1938 2,149,171 Grote Feb. 28, 1939 FOREIGN PATENTS Number Country Date 410,517 Great Britain May 18, 1934 852,964 France Nov. 18, 1939
Patent Citations
Referenced by
Original Image


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This Formula Car On A Hillclimb Video Will Absolutely Humble You
How fast is too fast? This seems like too fast. »
How fast is too fast? This seems like too fast. » 3/02/15 1:02pm 3/02/15 1:02pm
Finally, the time has come. I've made it to a Formula One event. It wasn't the race, though, only free practice. But even that was enough to re-evaluate some of my ideas about the world of F1. » 7/27/14 9:57am 7/27/14 9:57am
Remember the team I visited at the Hungarian Grand Prix this August? Well, Racing Engineering's Fabio Leimer just became this year's GP2 champion! Well done guys! » 11/02/13 6:54pm 11/02/13 6:54pm
A 104-degree track, a booze-cooled audience, screaming V8s with Mercedes-AMG at its best and the GP2 paddock, where everybody wants to upgrade their ride. Here's what it's like backstage at the Hungaroring. » 8/01/13 5:15pm 8/01/13 5:15pm
Thanks to a new round of investors in Formula 1 stalwarts Sauber, it's looking likely that 17 year old Sergey Sirotkin becomes a driver with the team as early as 2014. This is a bad idea. Why? Because Sergey Sirotkin is not exactly a good racing driver. How not good is he? » 7/16/13 8:29am 7/16/13 8:29am
It looked like it was all over for this dove standing right in the middle of the Monaco Grand Prix course today. Somehow, the bird pulled a Neo and backflipped out of the way of an oncoming GP2 racer. » 5/23/13 12:03pm 5/23/13 12:03pm
What's it like to campaign single-seater cars on the doorstep of Formula One and watch the teenagers and young men who may turn into racing legends down the line? Alfonso de Orléans-Borbón, owner and president of the Spanish GP2 team Racing Engineering, has seen it all, and he will be here for the next hour, live,… » 10/02/12 4:00pm 10/02/12 4:00pm
Before he becomes a globe-trotting racing god, the modern Formula One driver competes in GP2. It's a racing series removed from the madness and attention, created to breed talent for the ultimate challenge of F1. We spent a Grand Prix weekend in GP2 to see the lives of Formula One's future stars. » 10/01/12 2:00pm 10/01/12 2:00pm