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In response to the February 2, 2016, announcement by the European Commission (the "Commission") and the U.S. Commerce Department of a new framework, called the "Privacy Shield," to replace the invalidated U.S.-European Union...more
- Article 29 Working Party (WP29) Binding Corporate Rules Data Protection EU EU-US Privacy Shield International Data Transfers Personal Data Safe Harbors
In a long-awaited and much-anticipated announcement, the U.S. Department of Commerce and the European Commission (the "Commission") declared on February 2, 2016, that they had struck a deal on a new cross-border data transfer...more
- Article 29 Working Party (WP29) CJEU Corporate Counsel Data Protection EU EU-US Privacy Shield International Data Transfers Personal Data Popular Safe Harbors
The European Union's (EU) new data protection framework, known as the General Data Protection Regulation (the "Regulation"), is, at bottom, a response to the astonishing evolution in online commerce. As a result, only one of...more
- Corporate Counsel EU EU Data Protection Laws General Data Protection Regulation (GDPR) International Data Transfers Member State Notification Requirements Personal Data Popular Young Lawyers
As previously reported, on August 11, 2014, New Jersey Governor Chris Christie signed "The Opportunity to Compete Act" – New Jersey's so-called "ban-the-box" law – which restricts the ability of covered employers to inquire...more
- Ban the Box Criminal Background Checks EEOC Hiring & Firing New Legislation
On November 25, 2015, Portland's City Council unanimously passed new rules that will significantly affect an employer's ability to obtain and use criminal history information in the hiring process. With these new rules,...more
- Ban the Box Criminal Background Checks EEOC Employment Discrimination Hiring & Firing
In the wake of last month's landmark decision by the European Court of Justice (ECJ) invalidating the U.S.-European Union (EU) Safe Harbor framework, hundreds of U.S. multinationals, no longer able to rely on the Safe Harbor...more
- International Data Transfers Personal Data Privacy Laws Safe Harbors US-EU Safe Harbor Framework
It is not a matter of "if" but "when" an employer will be required to notify employees of a security breach. Forty-seven states require employers to notify employees when defined categories of personal information, including...more
- Attorney Generals Breach Notification Rule Compliance Cyber Attacks Cyber Crimes Cyber Threats Cybersecurity Data Breach Data Security Employer Liability Issues Hackers Healthcare Multistate Corporations Personally Identifiable Information Popular Privacy Concerns Privacy Laws Reporting Requirements Social Security Numbers
Obscenities alone—even when viewed by an employer's customers—do not deprive employees engaged in protected concerted activity of the National Labor Relations Act's ("NLRA" or the "Act") protections. So held the U.S. Court...more
- ALJ Blogging Platforms Employment Policies Facebook NLRA NLRB Online Platforms Popular Protected Concerted Activity Social Media Social Media Policy Social Networks Starbucks
In a landmark decision that will dramatically affect thousands of U.S. companies that transfer personal data from the European Union ("EU") to the United States, the European Union Court of Justice ("ECJ") yesterday...more
- Cybersecurity Data Protection Data Security Data Transfers Enforcement Guidance European Court of Justice (ECJ) FTC Multinationals NSA Personal Data Popular PRISM Program Safe Harbors U.S. Commerce Department US-EU Safe Harbor Framework
The world of Big Data has arrived, and it is beginning to affect employers and their decision-making in ways undreamed of even a few years ago. Employers can access more information about their applicant pool than ever...more
- ADA Big Data Class Action Compliance Data Protection Data Security EEOC FCRA Hiring & Firing OFCCP Popular Privacy Policy Workplace Safety
On June 16, 2015, the Oregon House passed an amended version of House Bill 3025, which will prohibit most employers from asking questions about criminal history on job applications or at any other point in the hiring process...more
- Background Checks Ban the Box Best Practices Criminal Background Checks Enforcement Hiring & Firing Job Applicants New Legislation
Since early 2012, 21 states have enacted some form of "password protection" law. Although these laws vary substantially by state, their common thread is the intention to restrict employers' ability to access content in...more
- Corporate Counsel Employee Rights Employment Policies Hiring & Firing New Legislation Passwords Popular Privacy Laws Social Media Social Media Policy Young Lawyers
On May 19, 2015, Connecticut Governor Dannel P. Malloy signed into law a new statute restricting an employer's ability to gain access to social media, e-mail and other personal online accounts of employees and job...more
- Employee Rights FINRA Job Applicants Passwords Popular Privacy Laws Social Media Social Media Policy
March 30, 2015 Authors: Philip Gordon and Joon Hwang As many state legislatures open their 2015 sessions, Virginia has become the first this year — and most likely not the last — to continue the legislative trend towards...more
- Corporate Counsel Employer Liability Issues Legislative Agendas Passwords Popular
In a precedent-setting ruling, the National Labor Relations Board (NLRB or the "Board") held last week in Purple Communications that Section 7 of the National Labor Relations Act (NLRA) requires employers, except in very...more
- Corporate Counsel Email NLRB Protected Concerted Activity Purple Communications Unions
The Washington, DC area has become the leading edge of the "ban-the-box" movement, with four new ban-the-box laws applicable to private employers enacted in the past six months. Baltimore, Maryland, started the trend when...more
- Background Checks Ban the Box Criminal Background Checks EEOC Employer Liability Issues Employment Application FCRA Hiring & Firing Job Applicants New Legislation
With the intersection between cutting-edge social media and the Depression-era National Labor Relations Act (NLRA or the Act) still relatively new, employers are looking for answers to some fundamental questions when it comes...more
- Corporate Counsel Defamation Employer Liability Issues Facebook NLRA NLRB Popular Protected Activity Section 7 Social Media
On August 11, 2014, New Jersey Governor Chris Christie signed "The Opportunity to Compete Act," which restricts the ability of covered employers to inquire into, and use, criminal records. New Jersey's so-called...more
- Ban the Box Criminal Background Checks Employee Rights Job Applicants
In the waning days of its current term, the U.S. Supreme Court ruled unanimously in California v. Riley that police officers generally violate the Fourth Amendment's prohibition against unreasonable searches by conducting a...more
- Cell Phones Corporate Counsel Employer Liability Issues Fourth Amendment Riley v California SCOTUS Warrantless Searches
Weeks after Wisconsin and Tennessee enacted their own legislation aimed at restricting access by employers to applicants' and employees' personal online content, Oklahoma and Louisiana have followed suit, further complicating...more
- Employee Rights Passwords Popular Social Media Social Media Policy
On May 22, 2014, the City of Rochester became the second city in New York to "ban the box," by adopting legislation restricting the timing of pre-employment inquiries by most Rochester public and private employers into a...more
- Background Checks Ban the Box Criminal Background Checks Employer Mandates New Legislation Public Employees Public Employers Public Entities
Legislation to restrict employers' access to applicants' and employees' personal online content continues its rapid expansion in 2014. Three weeks after Wisconsin became the 13th state to adopt its own social media password...more
- Corporate Counsel Electronic Communications Electronic Devices Employee Rights Employer Liability Issues New Legislation Privacy Laws Privacy Policy Right to Privacy Social Media Social Networks Workplace Investigations
Illinois employers had been able to rely upon Illinois' prohibition against all non-consensual recording of conversations, whether private or not. As of March 20, 2014, that prohibition no longer exists. ...more
- Audio Recording Surveillance
United States employers operating in France often face a dilemma. While they may be bound by the whistleblowing requirements of the Sarbanes-Oxley Act ("SOX") and its Dodd-Frank amendments,1 they also are bound by the data...more
- CNIL Dodd-Frank Multinationals Sarbanes-Oxley Whistleblowers
In This Report:
- Explanation And Scope Of This Preliminary Littler Report
- Introduction
- Workplace LAW Challenges And Solutions
- A. Human Displacement
- B. Union And Non-Union...more
- Anti-Discrimination Policies Business Torts Discovery Healthcare Internet of Things Robotics Unions Wage and Hour Workers' Compensation Defense Workplace Safety
Social Media
Hiring & Firing
Corporate Counsel
Job Applicants
New Legislation
Data Protection
Employee Rights
Social Media Policy
Ban the Box
Criminal Background Checks
Employer Liability Issues
Personal Data
Privacy Laws
International Data Transfers
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The pasta is made with a simple white sauce that gets kicked into summer mode by blending in fresh basil and adding a zip of lemon right before serving.
Carrian believes anyone can be successful in the kitchen with a nudge in the right direction. She's helping us all with her family-friendly recipes, cooking tips and a good dollop of easy, everyday inspiration.

subset: commoncrawl


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You can toss out the form chart. Forget the odds. Pay no attention to the fact the Toronto Maple Leafs lost 3-2 last night in New Jersey, or that the Canadiens are coming off a superb performance against the Philadelphia Flyers Thursday night.
The Leafs also absorbed a 7-1 pounding on home ice against the Capitals Monday. That matters about as much as the price of chai in China.
When the bell rings tonight, the two teams stepping into the ring might as well be fighting a unification bout for a heavyweight title, because when the Canadiens and Leafs hook up on a Saturday night, it's playoff hockey.
In November.
"Most of the guys here now have been part of these Saturday night games against Toronto," big Mike Komisarek said yesterday.
"It just goes to a whole different level when the Leafs are in town. The atmosphere in there is unbelievable."
For reasons that probably have their roots on Bay St. and with the curious composition of the crowds at the Air Canada Centre, Leaf fans are actually louder in Montreal than they are in Toronto. The ones who show up here are the real fans, with leather lungs, long memories and a world of suppressed hurt that can be summoned up with a single date: 1967.
While the rival gangs chant "Go Leafs Go!" and "Go Habs Go!" loud enough to knock the gargoyles off Notre Dame Basilica, the players know these games are never easy for either team, no matter the relative standing of the organizations coming in.
"They always play us tough," said Christopher Higgins, Komisarek's Long Island, N.Y., buddy. "We're going to have to play them the way we
played against Philadelphia - play smart 'D' and backcheck hard.
"The game against the Flyers was one of the best games I've seen this team play in a long time. We were so aggressive, we were winning all the battles."
But this was two nights after the Canadiens played what might have been their worst game of the season against
Atlanta, so who knows what to expect tonight?
"It's just preparation. Against Philadelphia, we were better prepared," Canadiens head coach Guy Carbonneau said.
Certainly, the Leafs should have plenty of motivation tonight.
They have spent much of this young season on a roller-coaster - terrific one night,
horrific the next. If they get caught with weary legs after last night's game in New Jersey, this one could be a horror show, especially for general manager John Ferguson Jr., the man on the hot seat in Hogtown.
Ferguson's problem from the beginning has been that he did not have the confidence of that mob of egos who runs the Leafs from on high. That put him in an untenable position, especially with a team that needed to be
retooled to compete in today's NHL - to put aside its lumbering style and become younger and faster.
Ferguson has done what Pat Quinn and Cliff Fletcher did before him, mortgaging the future in a desperate attempt to win now, trading bushels of draft picks for expensive, shopworn stars in pursuit of a quick fix. So far, even the acquisition of
goaltender Vesa Toskala fits into that category.
Coming into this season, Toskala was supposed to be the answer to the Andrew Raycroft problem, but on too many nights this season, Toronto has had to look to Raycroft to find the
answer to its Toskala problem.
The Leafs give up too many goals - 55 in 14 games.
To the extent that the Leafs are similar to the Flyers (big, slow, physical, lumbering) the Canadiens ought to be able to exploit the tactics that worked so well against Philadelphia.
"That's been our game plan since the start of the year,"
Carbonneau said yesterday, "to get things in their zone and use our speed."
On paper, at least, that speed ought to kill.
But the Leafs also have a habit of coming back on you like a bad tuna sandwich. They give up batches of goals, but they can
also score a touchdown on you in a hurry, especially when Mats Sundin and Nik Antropov are on. The Canadiens have grabbed the lead in their last two games against Toronto and ended up losing both.
But this team is better than the one that got off to a quick start last year, but faded after Christmas.
"There's a different feeling this year. I don't know what it is, but this team seems a little bit hungrier," Higgins said.
With the appetizing Leafs on the menu, the hunger should be roaring tonight.


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There have been a lot of discussions out there on the internet (like this one) and on the class forums about whether or not the physical book is dying, and whether libraries will die with it. What I can't understand is why libraries and librarians seem to be inextricably linked in the minds of so many people. Aren't we in the information business? And can't information be found in a multitude of sources? Maybe it's the fact that I'm so new to this field that keeps me from seeing this association. I only decided to get my MLS just over a year ago and had never considered being a librarian (as a profession) before then. I never even spent that much time in libraries before college. So don't have those fond memories of the traditional library, and that isn't the reason I chose this area of study.
It seems to me that the thing that has the most potential to bring about the death of libraries is librarians inability to change with the times, their unwillingness to give up their romanticized notions of book-filled libraries. We need to able to meet all the information needs of our users, and this may mean spending fewer resources on actual books and focusing instead on more digital access. Our ethical code tells us that it's not supposed to be about us, what we want, or how we would like to see our libraries. And even though research shows that librarians have embraced this idea when it come to their physical collections (and even overcompensate to some degree), we don't seem to be able to get on board with the idea when it comes to the overall makeup of our libraries' resources.
There's another blog post I read recently that talks about the same basic concept, though it applies to a more specific topic. It brings up the issue of failure and how especially now we have to be willing to make mistakes and to learn from them. Part of adapting is trying new products and ideas and finding out what works for our institution and community. If we're afraid of change, then we will die.


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Queens Theatre, in association with Eva Price of Maximum Entertainment, presents the engagement, which began Sept. 27 in Flushing Meadows Corona Park directly under the towers of the New York State Pavilion (former home of the World's Fair). There will also be a student matinee at 11 AM Oct. 4.
"Set in 1966, on the night of one of the most important concerts of her career, Ella jams with the musicians — including famed trumpeter and former Queens resident Louis Armstrong — reflects on her life, her secrets and the love of music that made her soar," according to production notes.
Tina Fabrique, who has wowed audiences around the U.S., returns to the role. The musical includes some of Fitzgerald's signature songs ("A Tisket, A Tasket," among others).
Ella is conceived by Jeffrey Hatcher and the show's director, Rob Ruggiero. Fabrique created the role in the world premiere at Hartford's Theatreworks and later played it around the country.
This theatrical event "weaves myth, memory and music as it tells the uplifting and poignant story of one of the greatest jazz/pop vocalists of 20th century music."
For more information, visit queenstheatre.org.


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Welcome to Helix Electronics we are working on getting this site up and running.
Helix Electronics is now located at 5-3167 Tatlow Rd. Smithers BC V0J2N5. ph. 250-847-5058. fax. 250-847-5057 email. firstname.lastname@example.com
Our goal at Helix Electronics is to provide reliable communications in the most demanding environments for the Logging and Mining industries.


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At least 140 people have been murdered in South America's biggest city over the past two weeks in a rising wave of violence, Sao Paulo's Public Safety Department says. Killings in Sao Paulo began sharply increasing in September, a month in which 144 people were killed, the department's website says. It says a total of 982 homicides took place in the city during the first nine months of the year. The victims included 90 police officers, most of them gunned down while off duty. A Public Safety Department official said Saturday that the killings of police have been ordered by imprisoned leaders of an organized crime group called the First Capital Command in reprisal for a crackdown on the drug trade.
EDIS Number: UEV-20121111-37174-BRA
Event type: Non-categorized event
Date/Time: Sunday, 11 November, 2012 at 05:41 (05:41 AM) UTC
Last update: ---
Cause of event: Rising wave of violence
Damage level: Moderate
Originally posted by aaronez
And did you hear anything on msm about the hundreds that died in the Caribbean after Sandy? Nope...


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What events are involved in the Equestrianism competitions of the Summer Olympics? - The events that are involved for Equestrianism competitions are Dressage, Eventing, and Jumping. In which both indi
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What is the basic parts of computer? - the basic parts are CPU Logicboard (motherboard) RAM power supply graphic card
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What is the symbolic meaning of Coriander? - Coriander, old World herb with aromatic leaves and seed resembling parsley, symbolizes hidden worth, that your hidden talent or potential.
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What is the definition of lichen? - These are composite organisms consisting of a symbiotic association of a fungus (the mycobiont) with a photosynthetic partner (the photobiont or phycobiont), usual
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What part of the digestive system has problems if ...
What part of the digestive system has problems if you have ulcers? - If you're talking peptic ulcers, it's either the duodenum or the stomach.
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Does anybody know of an alternative to Userfly tha...
Does anybody know of an alternative to Userfly that'll capture AJAX requests? - I would suggest give Clicktale a try. Iâve been using it for 2 months and it is neat to watch what your users do, I...
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If you have already checked out our list of Black Friday 2012 deals for your Apple TV, here comes another deal for your little black box: FireCore is offering a 25% discount on aTV flash (black) for Apple TV 2 and the rest of its products. The coupon code is "BLACKFRIDAY" and it's good for 25% off starting today through midnight on Monday.
aTV Flash
Remember last week when pod2g tweeted that neither he nor anyone he knows of was working on the Apple TV 3 jailbreak? We asked you to cool down and to never lose a hope since we knew there were people working on this. The confirmation that the work is ongoing on this particular jailbreak came from 9to5Mac, as they have learned that "a jailbreak for the third-generation Apple TV is indeed in the works from someone with close knowledge of the project":
Desperately awaiting the release of a jailbreak for Apple TV 3? It may take a while, you know that, right? Meanwhile, how about digging your old, already jailbroken 1st gen Apple TV out of the closet and supercharging it with the newest aTV Flash? FireCore has just released aTV Flash 4.5 for the original Apple TV that includes support for Mountain Lion as well as a handful of general improvements and fixes.
Work on Apple TV 3 jailbreak is still in progress, according to FireCore. Although the company is working hard on this long-awaited jailbreak, the SeasOnPass and aTV Flash maker admitted on its blog that the jailbreak for Apple TV 3 "has proven to be a bit elusive up to this point."
Now that Seas0nPass has been updated to provide an untethered jailbreak for Apple TV 2 running the latest 5.0.2 (iOS 5.1.1) firmware and a brand new version of aTV Flash (black) for Apple TV 2 has been released, it seems like a perfect time to give a try to the FireCore's Apple TV supercharger. If you're still unfamiliar with aTV Flash (black), you can read our review and then try to get a free copy of this amazing piece of software by participating in our giveaway. Here is how to do it:
Chances are, you are aware of FireCore and their work with a product known as aTV Flash. As everyone scrambles to get the jailbreak set for the Apple TV 3, the FireCore team is still hard at work getting the Apple TV 2 software to the best it can possibly be. For those of you who have not yet jumped on board with FireCore, aTV Flash (black), recently updated to version 1.6, offers some great features and extras that you should know about.


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Golf. Is there a sport more appropriate for the video game format?
Yes, many. But that didn't stop some of golf's biggest legends from venturing into the medium in its fledgling stage. Here are several classics and the various ways they did not translate well into modern times.
Jack Nicklaus' Greatest 18 Holes of Major Championship Golf
Pictured: Not a lot going on here, but Nicklaus gives you a hearty "Nice shot!" upon hitting the start button. "Thanks," you reply, feeling very supported. That Jack Nicklaus. Nice guy.


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A Date With Mr. Magnet by DulaliWatch
So I imagine here that Rarity ran into ol' Steve while in Everfree, looking for a rare source of fabric/material for a new outfit she wants to make, and talked to him for a while, and learned that he is lonely and never gets any visitors. So, Rarity, being the generous pony she is, planned a day to visit Mr. Magnet. They meet in a clearing with a lovely, magical river that has a lovely view of Canterlot Castle, and chat about fashion and things. They get along pretty well, and Rarity finally feels that she has found someone that shares the same passion for fashion (I rhymed!) as she does. She is sure that this meeting with the fabulous sea serpent won't be her last.
Anyways, this is my fourth or so pony fanart picture, and I think it's a big improvement from my last one dulali.deviantart.com/art/Poni… Don't you think? Last time I made the mistake of taking away the lines. I did have black lines in that old picture, and they were really thick and didn't work, so I had no choice but to take them away. I should have used the self-trace line style from the start like they do in the show, and that's what I did in this piece ^^ I rather like how it turned out. It doesn't make the subjects in the picture stand out too much, but still puts them forth as the main subjects of the scene. I like that.
My Little Pony: Friendship is Magic (C) Hasbro and Lauren Faust
Art (C) Me
Awesome attention to details.
Me too! Whether it be just friends or a couple, I think they are a cool pair. They have a lot in common.
And the image itself is beautiful. I really like not just Rarity and Steven, but also the background (lovely!) and the details you put in, like Steven's earring. He really IS fabulous, isn't he.
Very much hope this won't be your last pony picture!
Yes! I think the same thing. They do have a lot in common, and from the first episode they really seemed to hit it off.
And thanks, this is one of my better drawings (with actual background lol) and I fashioned up Steve a little, with his bling and whatnot Cause I figured if they did have a date/meeting whatever, that they would dress nice, due to their fashionable inclinations.
I certainly hope as well that this isn't my last pony pic! I do hope to do more, the characters are indeed fun to draw.
Of course not! I would love to see you finish your picture. The more of the two, the merrier
Thanks ^^ Backgrounds arent my favorite thing to do, but I enjoy the effect of this one. Canterlot is a little weird to me to be there, it kind of sticks out too much to me, but I just couldn't leave the mountainside bare.
Not that folks can't enjoy their favorite fan duos/couples, but sometimes it feels like certain ones are a little *too* ingrained in people's minds/too popular to ignore, and it prevents them from considering how well some characters might actually interact with each other (be it platonic or romantic).


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Most Popular Hotels in Cromwell Road
Get 200 Nectar points when you book your hotel
Simply enter your Nectar card number when prompted. Your points will be credited 30 days after you return from your trip.
Crowne Plaza London - Kensington100 Cromwell Road, London SW7 4ER 4.0 out of 5
Around the corner from a London Underground station, this hotel is within 0.5 km (0.3 mi) of the London Natural History …
Radisson Blu Edwardian Vanderbilt Hotel68-86 Cromwell Road, London SW7 5BT 4.0 out of 5
Occupying a row of sumptuous Victorian townhouses in Kensington, this London hotel offers an enviable location 2 blocks from …
Rydges Kensington London61 Gloucester Road, London SW7 4PE 4.5 out of 5
This hotel is located in London (Cromwell Road), close to London Natural History Museum, Royal Albert Hall, and Earl's Court …
Best Western The Cromwell110 Cromwell Rd, London SW7 4ES 4.0 out of 5
Housed in a stately Victorian building, this London hotel is 200 metres from Gloucester Road tube station, and 500 metres …
Gainsborough Hotel7-11 Queensberry Place, London SW7 2DL 4.0 out of 5
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The Exhibitionist Hotel8-10 Queensberry Place, London SW7 2EA 5.0 out of 5
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With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
I travelled to New York the last Christmas and I enjoyed it as much as troubles me and my family had there. One of them was my sister's ...
Resin can become an hazardous issue if you don't take the correspondent precautions. There are required some protections: - Latex or nitrile gloves. - A Mask for the ...
Tools: - Sandpaper: · Wet sandpaper 120 · Wet sandpaper 360 · Wet sandpaper 1000 - Sander (optional but recommended) - A graduated cylinder (to ...
My first idea was to sink all the lens exploded, but I haven't so much resin. Take apart the aperture and disassemble it as well.
My pattern was a 5x5 cm of base, even when the aperture has 3 cm of diameter. I did that so as to let a security space for ...
Solder the four LED's in series to a 12V plug. Make a hole for the plug in the base mold. Stick them with hot melt glue, which will ...
After take all the security measures, it's time to mix the resin with the catalyst. Polyester resin is often sold with the catalyst, so don't get mad about ...
Right after mix the resin with the catalyst, pour it into the mold. Put the first aperture piece with care then. To create the "exploded" effect, I put ...
After the resin dries completely, take it out of the mold. If you won't use the mold again, simply break it.
So as to smooth out the bigger irregularities, use a sander with a wood sandpaper. Afterwards, sand the piece first with the 120 sandpaper, then with the 360, ...
Blend the polish paste with a bit of water and moisten a cloth with it. Make circular movements with the wet cloth in the faces of the piece. ...
So this is the result of the hard work! I hope you enjoy this instructable. Please, post your questions or examples of this technique bellow.
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DIY Polaroid Swinger Model 20 To Canon EF DSLR Lensby G. M.
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Now that we are in December, everyone's thoughts turn toward the holidays. Each year, I like to pass along the following tips and information about the most popular plant of the holiday season, the poinsettia.
Traditional red and green colors are well represented in the flowers available for the holidays. Poinsettias, the most popular and spectacular holiday flowers, can combine both these colors.
Cub Scouts and Webelos collected hundreds of pounds of food for local families in need recently, just in time for the holidays. Packs 465 and 176 gathered 2,631 items of food, which were and will be used to fill food baskets for Thanksgiving and the Christmas holiday season. The food will be distributed to local families through the Community Based Action Agency.
Well, I guess the holiday season has officially started. Thanksgiving has come and gone. Black Friday and Cyber Monday are in the past and now we are in the sprint to the finish.
Between family gatherings, last minute shopping, the occasional Christmas or New Year's party, it seems like a breathless time of year. Santa may be making his list and checking it twice, but so are most of us. The gift list, the grocery list, the Christmas card list, the invitation list…it all piles up at once.
Sign-ups for Christmas Toy sale
The Spencer County Ministerial Association's Christmas Toy Sale signups will be Friday, Dec. 4, from 10 a.m. until 2 p.m. at the Love My Neighbor Thrift Store in Taylorsville.
Those wishing to sign up need to bring either a note from the Spencer County Schools showing that their child is on the free and reduced lunch program, or proof of insurance through the KCHIP program.
Free ornament worship at Elk Creek Baptist Church
The 2014-15 Spencer County Achievement Banquet was held on Monday, Nov. 9 at the Spencer County Extension Office. Congratulations to all 4-H members who were recognized for their accomplishments.
Manure can be a valuable fertilizer if you store and use it correctly on your farm. But just how valuable?
There are many gardening tasks that must be done or are better done in the fall of the year – things like cleaning up old plant material; fertilizing trees, shrubs and lawns; and protecting tender plants like hybrid tea roses and French hydrangeas. These chores are all a part of garden maintenance, and taking care of them now will improve the quality of your garden later. Here's a checklist to remind you of what needs to be done to get the garden ready for winter.
The Spencer County Middle School cheerleaders recently competed in the KAPOS Regional Competition and placed first, qualifying for the state competition on Dec. 19 at the Lexington Horse Park.
This program is designed to empower high school sophomores to recognize their talents and apply them to become effective, ethical leaders in their home, school and community. Foster will attend a three-day seminar at Eastern Kentucky University in Richmond. The seminar will take place June 9-12. She will participate in hands-on leadership activities, meet leaders in Kentucky and explore their personal leadership skills, while learning how to lead others and make a positive impact in the community.
On Career Day at Taylorsville Elementary School, students learned what it takes to be successful in various careers. Many of the children were dressed up for the careers they aspire to, as several guests came to the school to talk about their jobs.
Copyright © 2016
The Spencer Magnet is your source for local news, sports, events, and information in Spencer County, KY and the surrounding area.


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BRYAN, TEXAS -- Staying in the Brazos Valley to bring in the New Year? We've got info on all the hottest spots in the BCS for your NYE celebration!
Hurricane Harry's
Reserve your table for the NYE Party at Hurricane Harry's TODAY! There will be Free Party Favors and complimentary food buffet and champagne at midnight. Party starts at 8 p.m. Tuesday night, call 979-846-3343 to reserve your table. (If no answer, leave your name and phone number and Harry's will return your call.) For more information, click here.
The Tap
The Tap on Harvey Road is having their annual NYE Bash, but this year you can watch the Chick-Fil-A Bowl and stay for the party! Free Party favors, free champagne toast, free late night buffet and Krazy Karaoke as The Tap begins their countdown to 2014! For more information, click here.
Join Halo for their Annual Cash Balloon Drop and complimentary champagne at their NYE Bash. Party starts at 9:30 p.m. Tuesday night (Normal cover charges and drink prices apply). For more information, click here.
Ozona Grill & Bar
Ozona's will have their weekly Tuesday Special of $2 Domestic Longnecks. For more information, click here.
The Corner Bar and Rooftop Grill
Join 'The Corner' for the Chick-Fil-A Bowl starting at 7 p.m. Then begin your night with $2 domestic bottles until 10; $3 Champagne, $4 Champagne Cocktails, and $5 Blowpop Martini's All Night Long! For more information, click here.
O'Bannon's Taphouse
O'Bannon's will be hosting a watch party to see the Fightin' Texas Aggie Football team BTHO Duke and keep the party going with a champagne toast at midnight. Starts at 5:05 p.m. on New Year's Eve. For more information, click here.
Just looking for some dancing and champagne? Head over to Gatsby's! For more information, click here.
KBTX Media and the CW8 Aggieland would like to wish you and yours a Happy New Year!


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Service Centres
Nooteboom Trailer Service has now 3 branches in the Netherlands and more than 50 service partners in Europe. This means that you can have your vehicle serviced, by professional and expert staff, in a location near to where you are. And this applies to vehicles of all makes, not just Nooteboom vehicles.
You will find that at all the Nooteboom Trailer Service branches they are always up to date and have all the expertise needed to professionally repair and service your special trailer.
Nooteboom Service centres in Europe
Service centres in the Netherlands
Wijchen branch
Chr. Huijgensstraat 1 - 6603 BB Wijchen
PO Box 248 - 6600 AE Wijchen
The Netherlands
Tel. +31 24 6488841 - Fax +31 24 6488821
E firstname.lastname@example.com
Rotterdam branch
Scheepmakersstraat 10 - 3334 KG – Zwijndrecht
The Netherlands
E email@example.com
Latest news
Koninklijke Nooteboom Trailers has won the SV Innovation Award 2015
Koninklijke Nooteboom Trailers has won the SV Innovation Award 2015. According to the panel of expert judges the MANOOVR has scored the highest, particularly in the category 'innovation for the user'. The award was presented by Jarco the Bruin, commercial director ING Lease Nederland, to general manager Marinka Nooteboom during the opening of the BedrijfsautoRAI 2015. The SV Innovation Award is an initiative of the Special Vehicles department of the RAI Vereniging and is sponsored by ING Lease.
Nooteboom MANOOVR Latest generation Multi-PL semi low-loaders ground-breaking innovation for abnormal road transport
The MANOOVR Multi-PL is the latest generation of Nooteboom semi low-loaders. Unique features are the ultra-low floor height and the high maximum permissible axle load.
More payload, less cost : The new 7-axle ballast trailer of Nooteboom
Nooteboom Trailers sets a new standard with the ballast trailer OVB-95-07 for the transport of crane ballast. The trailer has been improved to meet the requirements as laid down in German legislation.
Six Nooteboom Super Wing Carriers for LASO Transportes SA
LASO Transportes SA from Malveira in Portugal has strengthened their fleet for the transport of windmills with no less than 6 Super Wing Carriers for the transport of ultra-long rotor blades, as well as a significant number of extendible 4-axle semi low-loaders. All the SWC Super Wing Carriers have been delivered and are in full swing.


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by GetBent May 13, 2014
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Located 10 miles southeast of downtown Cleveland. One mile west of I-271, two blocks north of I-480 at the intersection of Warrensville and Emery Roads.
ThistleDown Bus Groups
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Simulcast Racing
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When we talk about joke-machine sitcoms, you know the type. They have the same sense of humor and dramatic climate as a 30 Rock episode. It's the kind that's hard to articulate, but easily recognized: comedies where misunderstanding the pronunciation of "rural juror" is a series-long gag and characters can change...
Movie News After Dark: Dissecting The Dark Knight Rises, Extending Game of Thrones and Trusting the B—- in Apartment 23
- By Neil Miller
- @rejects
- May 29, 2012
What is Movie News After Dark? It's a nightly entertainment news column returning from the long weekend with but a few items, all of which are like to make you quite happy. In fairness, they make me happy. I can't say much for the rest of you, but I've got a...
Channel Guide: The Positives, Possibilities and Puke-Worthy Shows of the 2012 Midseason
- By Mikela Floyd
- January 4, 2012
Ah, the television midseason. By now, the public has decided which new shows they'll stick with (Revenge, 2 Broke Girls, New Girl), which they're unsure about (Pan Am, Prime Suspect, Once Upon a Time) and which aren't even worth thinking about (The Playboy Club, Free Agents). There's little chance that...


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- All
- Basic Reformed Theology
- Irresistible Grace
- Perseverance of the Saints
- Total Depravity
- Unconditional Election
- The Church
- God
- Sovereignty
- Jesus Christ
- Cross
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- Man and Sin
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- Theological Views
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- Practical Theology
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- Knowing God's Will
- Prayer
- Sanctification and Growth
- Suffering
Jesus in the Synagogue
Jesus in the Temple
Jesus & John the Baptist
Dr. Sproul points out that Jesus was baptizing and so was John. John's disciples raise the issue with John and Dr. Sproul discusses John's response that shows his understanding of his relationship to Jesus' mission as well as John's own mission Listen
Jesus Meets a Demon
Jesus & Pilate
Dr. Sproul starts this section explaining why Pilate is mentioned in the Apostles Creed and the history behind why he was appointed governor of Judea. He continues with a discussion concerning why Jesus was brought to Pilate and an investigation on how the Jews were attempting to use him. Then … Listen
Jesus Rejected
Jesus' Self-Witness
Jesus starts this section with another "I am" statement by declaring "I am the light of the world", which the Pharisees responded that He bears witness of Himself and therefore His witness is not true. Dr. Sproul investigates Jesus response that has several reasons why His witness is true and … Listen
Jesus Walking on Water
John Preaches
John the Baptist
Judge Not…
Kingdom Climbers
Law Cannot Save from Sin (Part 1)
Paul is an example of the pursuit of holiness and also our inability. Dr. Sproul discusses movements that create two tier Christians such as deeper life and Spirit filled life movements that promise perfection rather than a much greater level of sanctification. An introduction into how the will works is … Listen
Law Cannot Save from Sin (Part 2)
Dr. Sproul continues discussing how the will works by discussing Jonathan Edwards' treatise The Freedom of the Will and then the pagan view of the will and the free will of men. We choose according to our strongest inclination and because of our radical corruption we are inclined to wickedness so … Listen
Law Cannot Save from Sin (Part 3)
Paul states that when he fails to do the will of God it is because of the sin that dwells in him. Dr. Sproul points out that the unbeliever cannot do the will of God therefore Paul must be discussing his post conversion experience. Dr. Sproul continues with a discussion … Listen


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Delays in Abingdon due to broken-down bus
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A BROKEN-down bus is causing delays through Abingdon.
The double decker vehicle has broken down at the junction of Oxford Road and Radley Road.
Thames Valley Police was called to the road at about 8.10am to help clear traffic.
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The Baltimore District has a robust, multi-state and multi-installation military construction program. We have many ongoing projects with more planned for award and groundbreaking. In 2016, we will continue building projects that support Soldiers and our interagency partners with $650 million in construction work at installations in our area of responsibility.
The District supports our service members through a military design, engineering and construction management program for 15 military installations in Maryland, West Virginia, Pennsylvania, Virginia and the District of Columbia. Facility projects include design and construction of administrative spaces, medical and laboratory facilities, training facilities, childcare centers, and barracks.
Overall, the District delivers Architect-Engineer-Construction and Program and Project Management services across the life cycle of these facilities. We provide our military stakeholders with quality facilities that meet mission needs and are in compliance with laws, regulations, budgets and local permitting requirements. In addition, our projects are often technically complex and both high-value and highly visible.
Under the Base Realignment and Closure Act of 2005, the Baltimore District was responsible for renovations and new construction for expanding installations in the region. The District successfully completed $4.2 billion worth of projects at Fort Belvoir in Virginia; Aberdeen Proving Ground, Fort Detrick and Fort Meade in Maryland; and in Pennsylvania at the Defense Distribution Center in New Cumberland, Letterkenny Army Depot in Chambersburg and at the Tobyhanna Army Depot. The District successfully completed this historic BRAC mission, and now continues to support our customers with budgets that are leaner but no less important for military construction.
Our work supports the USACE Campaign Goal #1 – Support the Warfighter. This includes partnering with the Army's Installation Management Command to deliver and maintain enduring installations and contingency basing. In addition, these projects support the Army and nation in achieving our energy security and sustainability goals – reducing energy dependence, increasing energy efficiency, and adopting renewable and alternative energy sources.
The District's Interagency and International Services (IIS), located in Programs and Project Management Division-Military, supports non-Department of Defense federal agencies and others. Currently, the District is performing approximately $62 million in projects on Joint Base Andrews including taxiway and facility improvements, dormitory repairs, and repairs to runway drainage systems.
In addition, our Planning Division provides technical expertise to assist military installations in Maryland in reducing their nitrogen, phosphorous and sediment discharges to meet EPA guidelines. This work supports continuing, multi-agency (state and federal) work in cleaning up the Chesapeake Bay.
Aberdeen Proving Ground (APG) is located approximately 25 miles northeast of Baltimore, Md. Established in 1917, it covers 72,500 acres and is the Army's oldest active proving ground. The Baltimore District supports its over 60 tenant units including: the U.S. Research, Development and Engineering Command, the Army Test and Evaluation Command Headquarters, and the Public Health Command. It is a center for Army materiel testing, laboratory research and military training. As a result of the 2005 Base Realignment and Closure Act, the District performed construction work worth over $1 billion. Currently, the District is finishing construction on the $262 million project to replace all facilities in support of the U.S. Army Medical Research Institute for Chemical Defense in the APG Edgewood area. It will open in 2015 with phased occupancy by 2016. See the factsheet here.
The 185-acre installation is located in Adelphi, Md., just outside Washington, D.C., and is part of the Army Research Laboratory. The Center provides research, effects simulation, electronic equipment development, engineering services and other operations for the Army. As requested, the Baltimore District serves as the design and construction agent for new or renovated facilities and infrastructure. See our factsheet here.
Fort Detrick, in Frederick, Md., covers approximately 1,200 acres and is divided among three areas. Area A is the largest and is the Baltimore District's primary construction area. The Forest Glen Annex, in Silver Spring, Md., also falls under the operational control of Fort Detrick. The current Baltimore District design/construction program is approximately $900 million and features the $683 million U.S. Army Medical Research Institute for Infectious Diseases facility. This is the only Department of Defense high-containment biological laboratory and it will be the cornerstone of the National Interagency Biodefense Campus. The balance of the projects cover multiple organizations (four cabinet-level agencies) focusing on advanced bio-medical research and development, medical materiel management, and long-haul telecommunications for the White House, Defense Department and other governmental agencies. See our factsheet here.
Located near Odenton, Md., along the Baltimore-Washington Parkway, Fort Meade provides a base of support for numerous strategic, tactical and support organizations. The installation provides support and services for more than 78 partner organizations including the National Security Agency and the Asymmetric Warfare Group complex. In 2015, the District will complete the $30 million renovation and expansion of the Defense Information School. See our factsheet here.
Fort Belvoir encompasses over 8,600 acres, primarily along the Potomac River in Fairfax County, Va, as well as satellite locations within Springfield, Alexandria and Charlottesville. Fort Belvoir's reach is worldwide because of the more than 45,000 military personnel, federal employees, contractors and volunteers who work there every day to fulfill the missions of more than 145 defense organizations. Under the 2005 Base Realignment and Closure Act, USACE districts within the North Atlantic Division collectively supported the successful design and construction of facilities valued at over $3 billion to provide new facilities supporting the National Geospatial Intelligence Agency, the Washington Headquarters Service (WHS at the Mark Center - Alexandria), the Missile Defense Agency, the Fort Belvoir Community Hospital, the Joint-Use Intelligence Analysis Facility (Rivanna Station - Charlottesville) and many infrastructure improvements to accommodate the influx of workers.
Now, the Corps office at Fort Belvoir is working on projects at the Pentagon. They are designing and constructing two new vehicle and personnel access control points to replace temporary facilities. See our factsheet here.
Joint Base Myer-Henderson Hall provides installation services and support to military members, civilians, retirees and their families at Fort Myer and Henderson Hall in Virginia. On Fort Myer, the District is replacing and repairing the water distribution system and renovating the historic barracks facility to bring it into compliance with the Army's Unaccompanied Enlisted Personnel Housing project. On Fort McNair, the District supports the Military District of Washington and the Joint Forces Headquarters/National Capital Region (NCR) to facilitate deployment of forces for Homeland Defense and Defense Support to Civil Authorities in the NCR. Fort McNair is a 100-acre U.S. Army post located on the peninsula at the confluence of the Potomac River and the Anacostia River in Washington, D.C. Current projects include renovating buildings and replacing a cooling tower. See our factsheet here.
Located in New Cumberland, Pa., the DLA Distribution - Susquehanna covers approximately 850 acres. Its multiple missions include the distribution of military and commercial repair parts, clothing and textiles, medical supplies and industrial and electronic components to military customers in the United States and around the world. Under the 2005 Base Realignment and Closure Act, the District constructed two general purpose warehouses for $64 million with 570,000 square feet of storage capacity. Current work includes the $83 million regional Defense Logistics Agency headquarters. See our factsheet here.
Carlisle Barracks, in Carlisle, Pa., is approximately 400 acres and is managed by the U.S. Army Training and Doctrine Command to support the Army War College and other agencies. See our factsheet here.
Letterkenny Army Depot (LEAD) is located near Chambersburg, Pa. At over 19,000 acres, it is the number one provider of air defense and tactical missile system support for the Department of Defense and foreign allies. LEAD is DoD's only organic solution for one-stop service for tactical missile maintenance, modification and integration. See our factsheet here.
The Baltimore District provides real estate, design and construction services to our Nation's classified community. These services support an ever-growing list of emerging security requirements including cybersecurity and homeland security that engage sensitive information, serve the warfighter, and ultimately, protect the Nation.
Based on the authority of the "Economy in Government Act," the Baltimore District is assisting other government agencies when requested at the federal, state and local levels, with various projects. These agencies are our Interagency and International Services (IIS) customers.
Using our engineering and construction expertise,the Baltimore District provides the full range of support services to deliver engineering and construction support to assist with the mission of our IIS customers. We form a partnership with these agencies to support their programming, engineering, construction, real estate acquisition, contracting and construction management functions. To accomplish this, the Baltimore District also relies on partnerships with various private sector firms including architects, engineers, construction and management professionals.
A current customer is the project for the U.S. Customs and Border Protection agency at Harpers Ferry, Va. The $53 million project will construct dormitories and a conference center with 173,000 square feet of facilities for the Advanced Training Center. Construction began in early 2014.
The areas serviced by our IIS Program is shown on the map at the right. Some recent and current customers supported in the field of new construction, renovation/modernizations and maintenance, and environmental projects are:
American Battle Monuments Commission
Architect of the Capitol
Federal departments including Agriculture, Energy, Health and Human Services, Homeland Security, Housing and Urban Renewal, Interior, Justice, Transportation, Veterans Affairs Environmental Protection Agency
Office of Personnel Management
Maryland State Highway Administration
National Park Service
State of Delaware
Susquehanna River Basin Commission
Korean War Veterans Memorial


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A songwriting legend loved by generations of music fans for his uniquely joyful songs. He is one of music's eternal survivors, alarmingly prolific and always revered for the way humour and dignity shine through his work in a recording career which has produced 23 albums. His poignant sensitivity never descends into sentimentality, the humanity and warmth of his character are the one constant. Loudon is always touching, funny, unpredictable and brilliant.
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6Corresponding author; e-mail: firstname.lastname@example.com
A Modest Proposal for Wealthy Countries to Reforest Their Land for the Common Good
Article first published online: 16 AUG 2011
DOI: 10.1111/j.1744-7429.2011.00802.x
© 2011 The Author(s). Journal compilation © 2011 by The Association for Tropical Biology and Conservation
Volume 43, Issue 5, pages 524–528, September 2011
Additional Information
How to Cite
Meijaard, E. and Sheil, D. (2011), A Modest Proposal for Wealthy Countries to Reforest Their Land for the Common Good. Biotropica, 43: 524–528. doi: 10.1111/j.1744-7429.2011.00802.x
Publication History
- Issue published online: 1 SEP 2011
- Article first published online: 16 AUG 2011
- Received 16 May 2011; revision accepted 4 June 2011.
- Abstract
- Article
- References
- Cited By
- Biofuel;
- conservation;
- deforestation;
- double-standards;
- ethics;
- inequity;
- oil-palm;
- restoration;
- tree-spiking;
- tropics
We discuss a recent press release calling on wealthy countries to do more to combat climate change and protect their biodiversity. We examine some further examples of how questionable views are imposed unilaterally on conservation problems. Until we better engage with local perspectives we shall be less credible and less effective as conservationists.


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"I will not let this get me/keep me down"
Originally posted by Whosthatgirl
Sorry but I don't agree, having no free will goes against everything I teach my children and practice myself. I however have completely unplugged from the zombie life that most people are in today.
I decided to stop taking drugs along time ago and NEVER looked back, the very idea of being a zombie even 20yrs ago was enough to stop me. However thats a different story.
Originally posted by Raxoxane
The single most empowering act of free will is:"I will not let this get me/keep me down" Imo.
What would it mean for you and me to know there are inconceivably many yous and mes living out all possible histories? Surely, there is no point in making any choices for the better if all possible outcomes happen? We might as well stay in bed or commit suicide.
Deutsch does not agree. In fact, he thinks it could make real choice possible. In classical physics, he says, there is no such thing as "if"; the future is determined absolutely by the past. So there can be no free will. In the multiverse, however, there are alternatives; the quantum possibilities really happen. Free will might have a sensible definition, Deutsch thinks, because the alternatives don't have to occur within equally large slices of the multiverse. "By making good choices, doing the right thing, we thicken the stack of universes in which versions of us live reasonable lives," he says. "When you succeed, all the copies of you who made the same decision succeed too. What you do for the better increases the portion of the multiverse where good things happen." Let's hope that deciding to read this article was the right choice.


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Canterbury Chanpionships 2015
Papanui Riders excelled at the recent Canterbury Championships.
Centre Champions
Josh Scott, Sami Donnelly, Paula lovett, Brent Cowie, Road Hogarth, Ron Bush, Lyndal Donnelly (2x), Craig Lange, Sharlotte Lucas, Ben Hillary,
Runners Up
Felix Donnelly, Rod Carmichael, Alesha Scott, Griffyn Spencer, Graham Collis, Scott Wilder, Scott Molina, Dave Lawson
National Club Championships 2015 results
Sharlotte Lucus Double champion in the elites section. An outstanding result.
Sami Donnelly 4th in Road Race and Time Trial.
Josh Scott 5th in Timetrial and Road Race
Scott Malina 3rd in Road Race
Scott Wilder 6th in Road Race
Brent Cowie 7th in Road Race
Guide to getting a licence
Information? >>click her
First aid Kit fundraiser
The club has available an excellent first aid kits available for only only $39.00. Many people who have purchased these were impressed with the wide range of important items included to help with any first-aid situation. All the items are contained within a water proof case.
Contact Ron Bush or Anne Winter for a kit.
Phone 337-0447 (Home) or 027 2249241
email: email@example.com
Club Cycling Uniform
Uou are ab le to purchase a a club kit. >>Click here to see sample and prices. To purchase for the Nationals please email Ben Hillary email@example.com by the 20 March. Funds have to be deposited into club's bank account by 22 March. Please make sure your name is noted. Club bank account details: 03 0859 0323742 00.
Are your plates obscured by a bike rack or another object?
You cab be fined $100. A supplementary plates costs $20
. For more information visit nzta website
Wondered why you are off this mark?
If you want to know how the handicaper may use a ladder to guide them in setting the handicaps follow this link,
>>handicap ranking list
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Homes in Upper Fells Point sinkingUPDATED 1:32 PM EST Nov 22, 2012
Two homes in Upper Fells Point have sunk two inches in 24 hours and no one knows for sure why.
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urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog - Tags - smarter_retail A blog about business analytics, business intelligence and performance management using IBM Cognos and IBM SPSS software. 1 2013-08-01T13:16:03-04:00 IBM Connections - Blogs urn:lsid:ibm.com:blogs:entry-ca8544a9-d539-4b51-92c6-94f02ad763f5 Business analytics bring retailers closer to their customers Delaney Turner firstname.lastname@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-06-03T11:16:27-04:00 2010-06-03T13:31:33-04:00 This is the second article in a four-part series exploring the performance challenges in retail as stores and chains of all sizes begin their recovery from the turmoil of the past year. In today's installment, we look at the ways smarter retailers can draw insights from social media channels to profitably respond to the changing expectations of the smarter consumer.

<wbr />

We've come a long way from the corner store where the owner knew everyone's name and what they wanted.

Or have we?

Fast forward to Web 2.0 and everything is different: exponentially more choice, more shoppers, more technology, more stores and more data. Yet, the trend is back to the personal.
Retailers must build relationships with their customers – not just offer pricing incentives or cheaper products.

How to do that? It's impossible to actually meet or know everyone who comes in your store, especially if you're a global chain. But the internet, social networking and data mining can bring retailers surprisingly closer to their thousands or millions of customers.

What consumers want

One example: Threadless.com has created a new kind of retail/manufacturing paradigm. In this case, customers send in their own design ideas and people vote for them online. The designs with the highest votes are manufactured and sold through the company web site.

The New York Times cites the case of Wet Seal, a 500-store retailer of teenage clothing. It's a "fast-fashion" retailer, which means trends change quickly, and the chain has as little as three weeks to update its inventory.

One strategy is to grow a stronger web presence, both for customer insight and revenue. A web feature called Outfitter, for example, allows users to assemble their own clothes online:

"The virtual outfits are posted, and users can browse through them, comment and exchange recommendations. So far, more than 300,000 user-generated outfits have been designed, generating millions of page views."1 The company also has an iPhone app called iRunway, which lets users track how these designs are being used.

Co-creation, new ways to interface

A recent IBM Institute for Business Value study points to this very phenomenon. Consumers are willing to explore new ways to interface with their retailers of choice. 78 percent of study respondents said they want to co-create product offerings with their retailers.

And more people are willing to use the internet, digital television and mobile phones to shop and make purchases. In the U.S., for example, over 92 percent of adults conduct some form of research online before they buy a product from a store.

Social media, too, is where users exchange ideas and comments on what products or stores are working and which ones to avoid.

All this information is a gold mine for retailers. You can gain feedback from users, tap into customer thinking for future products, and strengthen relationships through community features like reviews, blogs and bulletin boards.

Add to that data from loyalty programs as well as POS and CRM systems, and you have a bank of input to steer your marketing and merchandising decisions. That is, if you have the means to turn your data into business insight.

Smarter systems enabled by enterprise content management, business analytics and planning – let you gather and act on this consumer information to create and sell products in ways that resonate with your markets. The newly released IBM SPSS Modeler Premium, for example, helps you analyze consumer sentiment from Web pages, email, blogs and wikis, right down to the emoticon.

Meanwhile, Market basket analysis uses analytics and algorithms against your customer data – such as demographics, behavior and attitudes – to build predictive models about what combinations of products will sell together or which customer is likely to buy which product.

Once you collect and integrate this kind of information, you can turn it into informed intelligence about people's buying habits and preferences. You can test and rethink strategies, and optimize outcomes across every channel.

Consumers are getting smarter and more engaged. But retailers have the tools and means to stay in step. Information is the lynchpin. You can't know every customer, but data and knowing how to use it, can bring you much closer.

Learn more

Predictive analytics software for retail from SPSS

IBM Cognos solutions for retail

Download our White Paper, "Performance Management in Retail"

BI Radio explores current trends in retail

Follow Smarter Retail stories on the Smarter Planet Tumblr blog

Sources

Steve Lohr, A Data Explosion Remakes Retailing, The New YorkTimes, January 2, 2010.

 This is the second article in a four-part series exploring the performance challenges in retail as stores and chains of all sizes begin their recovery from the turmoil of the past year. In today's installment, we look at the ways smarter retailers can... 0 0 2475 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00


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Everyone knows the story of Abacus 2007-AC1 by now: Goldman Sachs sold some mortgage-backed-security CDOs to some people, and those people thought that the underlying mortgage-backed securities were chosen by an outfit called ACA Management to be Good, but in fact they were chosen by Paulson & Co. to be Bad, and they turned out to be Bad, and that was Bad. The SEC sued Goldman over it, and Goldman settled for $550 million, and then everyone else sued too because they had been lied to about who picked the mortgage-backed securities (Paulson, not ACA) and why (to fail, not to succeed).
Among the people who sued was ACA, whose role in the transaction was (1) pretending to pick the underlying RMBS and (2) issuing a financial guaranty policy (to Goldman) referencing the super senior tranche of Abacus. That tranche more or less went poof, and ACA ended up owing $840 million to Goldman (though, really, ABN Amro paid the $840mm, and Paulson got it).1 Since ACA was in the business of writing terrible financial guaranty policies, it blew right up and ended up paying only $30 million. Then it sued Goldman for the $30 million back, plus punitive damages. ACA's claim is that, while it knew that Paulson had selected the underlying RMBS, it thought Paulson was net long Abacus, because Goldman schemed and lied, and that it wouldn't have insured Abacus if it'd known the truth about Paulson's position.
Yesterday ACA lost when a New York appellate court dismissed its case. The court split 3-2, and the opinion is short and pretty weird; basically the majority says "it doesn't matter that Goldman lied to ACA about Paulson's position, because ACA should have kept asking until it got the truth," which is a funny law.2 The two dissenting judges seem to have rather the better of it.3
Still the result seems right. I hope from my little summary it is clear that ACA is perhaps the least sympathetic of all the financial crisis victims. From what they claim themselves, they allowed Goldman to lie about their role in Abacus, signed off on a misleading offering circular, paid off their debts at 3.5 cents on the dollar, and then sued for the 3.5 cents back (plus punitive damages).
Like: the gist of what Goldman did wrong was that they told everyone that ACA had picked the underlying MBS (to succeed!) when in fact Paulson had (to fail!), but keen observers at ACA might have noticed that this wasn't true because they hadn't picked the underlying MBS. Here's how ACA describes its role in their complaint:
ACA Management, LLC, a wholly owned subsidiary of ACA ("ACAM"), was the pro forma portfolio selection agent for ABACUS, i.e., ACAM agreed to and relied upon a portfolio largely selected by Paulson.
Here's how the Abacus offering circular, which ACA presumably reviewed and signed off on, describes ACA's role:
The Initial Reference Portfolio will be selected by ACA Management, L.L.C. ("ACA Management" and in such capacity, the "Portfolio Selection Agent") pursuant to the terms of the Portfolio Selection Agreement, dated as of the Closing Date (the "Portfolio Selection Agreement"), between the Issuer and the Portfolio Selection Agent.
The words "pro forma" do not appear in the offering circular. (Nor does the word "Paulson.") On the other hand, the Abacus pitchbook does include a whole section on ACA's portfolio selection role, including a page on its investment philosophy that says things like "Asset selection and asset management premised on credit fundamentals and then optimized for relative value" and "ACA Management will utilize proprietary models to stress and confirm the adequacy of cash flows." There's no bullet point for "Meh, they just trust Paulson." I have some sympathy for the investors who bought "designed-to-fail" CDOs without doing their own credit work, but that sympathy breaks down when the investor is the portfolio selection agent who was hired to do the credit work.
You can if you like criticize the New York court's ruling for its rather strict buyer-beware standards, which would prevent someone who was lied to from suing unless they kept asking about the lies a lot. But whereas it might not be appropriate for everyone, or even for every "sophisticated counterparty," it's surely appropriate for ACA, who were as much co-conspirators as they were victims. They knew with perfect certainty and clarity that Goldman was misleading investors about how the Abacus portfolio was being selected, because they were helping Goldman to do the misleading. They knew that every representation Goldman made to everyone else about the portfolio selection was at least a little off. That makes the fact that they nonetheless assumed that Goldman would never lie to them harder to justify.
ACA Financial Guaranty Corp. v. Goldman, Sachs & Co. [NY Courts]
Judge Says Insurer Should Have Known Better on Debt Deal [WSJ]
In tossing ACA case vs Goldman, N.Y. appeals court says buyer beware [Reuters]
1. That's from ACA's complaint, paragraphs 111-113. Note (paragraph 89) that ABN Amro actually intermediated the ACA financial guarantee, basically because Goldman thought ACA was a crap credit: "In effect, ABN assumed the risk that ACA would default on its financial guaranty policy, while Goldman Sachs insulated itself from the risk that ACA would default on its financial guaranty policy." ABN actually paid out the $840mm (and got ACA's $30mm). Similarly Goldman was in effect intermediating to Paulson, since Paulson bought protection on the super senior tranche from GS that more or less back-to-backed the protection that GS bought from ACA (through ABN Amro). So the money went:
ACA -> ABN Amro -> Goldman -> Paulson
Except ACA didn't pay its share, so ABN Amro was the ultimate loser (and Paulson the ultimate winner).
2. What they actually say is:
In sum, plaintiff's fraud claims based on the allegation that plaintiff, a highly sophisticated commercial entity, was misled into believing that a nonparty hedge fund would take a long position in the first-loss tranche of the collateral debt obligation, in alignment with plaintiff's interests, must be dismissed because: (1) such misrepresentations were specifically contradicted by the offering circular's disclosure that no such equity position was being taken; (2) plaintiff's alleged reliance on such misrepresentations would have been contrary to its acknowledgment (as set forth in the offering circular) that, in entering into the transaction, it was "not relying (for purposes of making any investment decision or otherwise) upon any advice, counsel or representations (whether written or oral) of [defendant] . . . other than in the final offering circular for [the transaction] and any representations expressly set forth in a written agreement with such party," and that defendant was not "acting as a fiduciary or financial or investment adviser for the purchaser"; and (3) the hedge fund's intentions with regard to this investment were not peculiarly within defendant's knowledge and plaintiff, although it was in direct contact with the hedge fund, failed to ask the hedge fund what position it intended to take in this investment.
Point (1) we'll discuss a bit further down. Point (3) is just "they could have kept asking after they'd been lied to a bunch." Point (2) is kind of an important one; a lot of assets are sold by means of:
- Seller calls Buyer and is like "this asset grows magic beanstalks, you should totally buy it," or whatever;
- Buyer conducts due diligence in which Seller representatives talk a lot about magic beanstalks;
- Buyer signs contract to buy the asset;
- the contract represents "this asset is some beans" but is silent about magic beanstalks; and
- the contract contains an acknowledgment (an "integration clause") that Buyer is not relying on any representations other than those specifically included in the written contract.
You sort of can't have M&A, securities sales, etc., without being able to rely on that acknowledgment in almost all circumstances, so it's perhaps a good thing that the court gave it a lot of weight. Still sometimes fraud outside the contract might matter, no?
3. Though here's a fun point in the majority's opinion:
[P]laintiff [ACA] received, inter alia, the offering circular for the transaction, which expressly disclosed that no one was investing in the first-loss tranche. This information should have alerted plaintiff that contrary to the representations made, the nonparty hedge fund [Paulson] was not funding a portion of the transaction at all, let alone in the manner represented (i.e., by taking the equity or long position). Therefore, plaintiff should have questioned defendant [Goldman] or the non-party hedge fund; such an inquiry would have likely informed plaintiff that the nonparty hedge fund was taking a short rather than a long equity position represented.
Ha it's true, the Abacus offering circular specifically discloses that zero dollars worth of Class FL Notes (the 0-10% first-loss/equity piece) were sold. That does look like it should have alerted ACA to the fact that, y'know, Paulson didn't buy any, even though Goldman had told ACA that he would. Nonetheless the dissent argues that he could have been long the equity synthetically:
The complaint alleges that long investors can participate in the capital structure of a synthetic CDO such as ABACUS either by purchasing notes or by selling protection on a specified tranche in the capital structure. Given this description, there is a reasonable inference that plaintiff understood the absence of equity notes to mean that Paulson intended to "take a long position in the equity tranche of ABACUS through a [credit default swap]," by selling protection on the 0-10% tranche instead of purchasing notes.
I'm not sure how likely that is, though the majority's response is essentially gibberish:
We reject the dissent's assertion, that the absence of any funding of the first loss tranche was attributable to the fact that the non-party hedge fund was purportedly funding the first-loss tranche by taking the long position on a credit default swap. This assertion does not explain why the tranche was completely unfunded, since even the funding mechanism perceived by plaintiff – the credit default swap – should have had a value and thus should have been listed in the offering circular.
What? No. That's not how it works.


text: How can I remove the film advance lever on my Minolta SRT 101 without damaging it. Mine is all beat up by someone trying to remove it. I want to swap but do I need a tool or something. I can not really get a good grip. Can it be un screweed? Thanks Here is what I need to do.


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Article Summary
November 22, 2005 As astounding as it may seem, given that the automotive industry really didn't get going until 100 years ago, the world's oldest car magazine, AutoCar, turns 110 this week. In celebrating its 110-year anniversary, the original car magazine has a special issue focusing on the the future of motoring. Autocar's investigations suggest that the car could change more in the next 20 years than it has in the last 40. 'Cars that drive themselves, see, park and avoid accidents would have been unthinkable even 20-years ago, but this technology is not that far from showrooms according to the magazine. The special issue goes on sale today, and will no doubt be a collectors item. Happy birthday to AutoCar.
Read the full article: The future of motoring - special edition
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AMC deputy visits APG, RDECOM
April 5, 2010
Story Highlights
- AMC deputy views installation construction sites
- RDECOM and APG missions are inter-related
- Identifies need for infrastructure improvement
ABERDEEN PROVING GROUND, Md. - A senior Army Materiel Command leader paid an official visit here April 5 to get a better understanding of the installation's complex mission and its immediate and future requirements.
Lt. Gen. James H. Pillsbury, AMC deputy commanding general, met with APG Senior Mission Commander Maj. Gen. Nick Justice, APG Garrison Commander Col. Orlando Ortiz and key staff members for a day of briefings and tours, including an installation flyover.
Justice, commander of the U.S. Army Research, Development and Engineering Command, began by briefing Pillsbury on the strategic relationship between RDECOM and the installation.
"The big take away for you today is to focus your thought and your understanding on how the RDECOM mission inter-relates with the garrison mission. Frankly, sir, there are some strategic issues we bring in the support structure, in facilities, and there are BRAC issues (base realignment and closure) as well."
Justice projected the command vision and mission to Pillsbury.
"Empower, unburden and protect," Justice said. "These are the three words we use in trying to reach a commonality, to give us a sense of one command headquarters instead of separate organizations within RDECOM," he said.
Justice outlined his briefing, highlighting the five "P's" - People, Places, Purse, Process and Products - and subsequently addressed each in detail for Pillsbury.
Issues like new construction, security and force protection are high on the installation agenda, Justice said.
"There is a tremendous need for infrastructure investment," he said.
Pillsbury agreed.
"One of the things you and I are going to have to figure out is: How we get more of your dollars into the base that is now in the subordinates'" he said. "We have got to help stabilize your funding streams in the out years.
"There is no more diverse organization than RDECOM," Pillsbury added.
With more than 8,000 technology jobs coming to Aberdeen Proving Ground in the next few years as part of the Base Realignment and Closure process, senior leaders continue to assess the installation's progress.
APG is going through a monumental shift as several long-time tenant units, such as the Ordnance Center and Schools and the Army Environmental Command, relocate and the installation begins to embrace its new role as the center for Army science and technology. More than 70 tenant organizations remain and RDECOM is the senior mission command.
The RDECOM mission is to ensure Army capabilities dominance through delivering technology-enabled solutions.
Pillsbury toured APG, visiting testing facilities and new technology development. His briefing included a BRAC update, force protection program information and an overview of current operations.
On the Edgewood Area of the installation, Pillsbury observed operations at the Edgewood Chemical Biological Center and viewed major construction projects.
"We want the general to leave here knowing that the APG staff is focused on priority issues, that we're developing our human capital and we're well positioned to meet future challenges," Gary Martin, RDECOM's deputy executive commander, said prior to Pillsbury's visit.
Pillsbury assumed the duties as the AMC deputy commanding general Dec. 8, 2008. He also serves as the executive director for conventional ammunition.