text:
Has French Wine Outgrown the AOC?
Believe it or not, even the French have trouble picking out wine. Like non-French consumers, our Gallic friends are known to scan the wine aisle, glassy-eyed, wondering what is what, what goes well with what, and what is any good at all. Incroyable, non?
The confusion in choosing a French wine based on the label isn't new. To combat the problem, the French had the bright idea to create a Good Housekeeping Seal; in 1935 the Appellation d'Origine Controlee (AOC) system was born. Since then, it has become a sort of overarching megabrand. By giving strict guidelines to the wine industry, for example, the AOC guarantees that when you buy a Bordeaux, the grapes came from the Bordeaux region, they were treated in a certain way, there was a given amount of alcohol in the finished product, and specific grape varieties were used.
The AOC became a sort of promise of a minimum amount of quality. After that, making it really good was up to the wine producer.
Now the system is creaking under its own weight. The French penchant for classification and paperwork (Dewey must have had ancestors here) has created something of a self-diluted mess. Everything from wine and cheese, natural contenders for this sort of thing, to the lowly apple now sport AOCs. Plus, a shrewd winemaker can follow the rules and still make an AOC wine that no one would buy twice. The system ain't broke, but it does need fixing.
What's pulling the mess into question now is the French wine crisis. In short, the wine industry's numbers are heading in all the wrong directions. The world's winemakers' export numbers are quickly catching up to the once-undisputed king, leaving Gallic heads spinning. Consumption on the French home front is down, leaving many viticulturists sitting on growing stocks of wine. Though winemakers can babble on for hours about the problems they face, ask them what they think will fix the problem and you can hear a pin drop.
The message of distress has made it to the top. French agriculture minister Dominique Bussereau has vowed change. "The time for reflection is over," he said at June's VinExpo conference in Bordeaux. "We must act to improve the standing of French wine on markets at home and abroad."
To act, he said he sees the wine industry working in two directions. One stressing quality and tradition, the other, in so many words, chases more of the mass market.
"We must not forget that France can only protect its market position with quality," he said. "Quality" is the French wine mantra and seemingly every wine producer across the country repeats versions of his statement.
Through all the problems, French scientist Philippe Marchenay believes in the AOC system. He and his partner, Laurence Berard, literally wrote the book on one of the system's main tenets: protection of products with terroir, a rather vague French term that combines words like "heritage" and "regionality."
It is easy to hear, when Marchenay reels off a list of his favorite AOC products from around the country, that he recalls the tastes and regions with each item he mentions.
"An AOC gives you a guarantee that what you're tasting is making use of the savoir faire of a particular region," he says, explaining that people are willing to pay a higher price for this guarantee of quality. "If the consumer isn't interested, he buys the least interesting stuff and that's it."
In France and abroad, what the AOC is coming up against, however, is a potential information overload.
Wine is at the heart of the struggle; one of the key components is sheer numbers. With less than 50 AOC cheeses, for instance, there is a reasonable chance that a self-respecting Frenchman can work his way through remembering what's what. With 407 wines, however, it gets a bit out of control, even for those who are do their best to keep consumption numbers high.
Champagne, a shining AOC success, rode the wave to the hilt but does it really do much good to classify lesser-known wines? AOC La Clape, anyone? In France, no one knows what these wines might taste like; abroad, no one has ever heard of them.
In Paris, a representative at the Institut National des Appellations d'Origine (INAO), the government body that governs how AOCs are run, is surprisingly frank.
"The AOC is for a certain number of producers but, maybe, there are limits to that," says chief spokeswoman Sylvie Serra. "Eventually, you hit a ceiling. Twenty years ago, this wasn't the case." Now, the system seems to be reaching its saturation point, and a handful of AOCs without a market at home or abroad are in danger of dying out.
"When it's done well, it works," says Serra, who can cite a large number of AOCs that enjoy up to an estimated 30 percent price increase thanks to the three letters on their labels. "There's a diversity of flavor where everyone can find their own favorite taste. Even someone who is not rich can find something pleasant," she says.
Is the diversity, which some feel to be bordering on the extreme, compatible with the international market? "Certainly not," says Serra, "At the very beginning, the AOC system wasn't necessarily made with the international markets in mind. Now, we're asking ourselves how it fits in."
Outside of the country, when French products come up against the rest of the products in the wine aisle, it gets worse. Major "New World" wine producers classify the brunt of their wines the same way: by grape varietal. Consumers enjoy comparing a varietal they enjoy from Australia to one in the US, Chile or South Africa. AOCs, on the other hand, tend to be blends of wine, leaving consumers to wonder why they should bother taking a risk on something relatively unknown like an AOC Cabardes.
"[Smaller AOCs] are going to find that they there's a lot more competition out there," says Elizabeth Barham, an assistant professor of rural sociology at the University of Missouri-Columbia and one of the US's leading AOC experts. "Americans don't know where these [small-producing] places are."
Barham sees a positive trend in the United States that could be beneficial, as increasingly consumers are interested in where their food comes from. "Some say consumers can't deal with complicated things, but I don't agree," she says. "I see the American palate becoming more and more complex all the time."
For part of the solution, Barham echoes the French minister's mantra. "Once you reach a certain level of quality, that's what the consumer will reward. I'd hate to see [the French] weaken their system."
Scientist Marchenay seems to agree. "My kids adore McDo," he says, somehow conveying a wince over the telephone line when he utters the colloquial French term for McDonalds, "but they don't go because the food is good."
The Golden Arches signals a certain known experience. If the AOC can win back control of its system, consumers will choose an unknown wine precisely because it has a seal to assure them of a certain quality of experience.
BIOJoe Ray is a Paris-based freelance journalist specializing in food, travel and analysis pieces. He writes for major dailies and magazines around the world. His work can be found on joe-ray.com


text:
What Does Your Facebook Profile Say About You?
If you're concerned about how people see you based on your facebook profile, you may want to have reppler.com scan and analyze your facebook reputation.
More prospective employers and college admission folks are using facebook and other social media to learn more about their applicants. If you are looking for a job, applying for colleges or promoting your business, you'd want to present a credible image of yourself. If you're at the "frankly-my-dear-i-don't-give-a-damn" stage, however, then it doesn't matter what others think and you can do whatever you want.
But even if you don't care about your image, you still might want to use reppler to analyze if your facebook account is secure enough against those who might want to hack in or use data that you post for malicious purposes.
Continue reading What Does Your Facebook Profile Say About You?
So You Want to Start Blogging
So do you want to start blogging? If you like to write or have something to say or if you just want to jump on the blogging band wagon to make money like you've been hearing others doing, then by all means jump in no matter the reason. Your reasons will probably change as you get more into it anyway.
The best way to start, from my experience, is to just start writing. The two most popular blogging platforms on the internet are: http://www.blogger.com/ and http://wordpress.com/
I started on blogger and still have my old blogs there. I am a hoarder at heart and just can't bear to let them go. I use them only to make money now though. They have gone commercialized. I like the two sites I mentioned (Blogger and WordPress) because their platforms are pretty intuitive. Just follow the instructions and you will be blogging in no time.
Once you've have your blog set up, just start writing away! You're worried no one will read you? The best way to get others to read your stuff is to start reading their stuff and commenting on them. That's how blogging works. It's about people putting their ideas out there and sharing them with the world. No matter what topic you're writing about, you'll find other like minded people out there who will want to hear what you've got to say.
But…. "Can I make money?" you ask. The short answer is YES. Yes, you can make money blogging but don't quit your day job yet. Once you have your blog going, you can start investigating ways to make money. The easiest way is to add Google Adsense to your blog. The money you make will depend on how many people read your blog. The more people read your blog, the more money you can make.
While you're starting your blog, start reading up on how to make money. Just google "make money from blogging" and you will find various sites that will give you tips and tutorials. You may want to check out http://problogger.com/. You will find a lot of information there. I suggest starting with his Blogging 101 series.
Don't expect to start making money right away. The older your blog, the more readers you have and the relevance of your content will all affect how much money you can make. Some people who really work at it have been known to start making money right away, but most take longer. Depends on how much time you want to put into it.
A WORD OF CAUTION: Some people want instant gratification so they take the lazy way out and steal other people's content. DON'T DO IT! You will get caught and you don't want bloggers' wrath against you and they have gotten very good at catching thieves and can get very vicious. So beware if you're even considering this. But I hope that you think more about yourself to go this route.
BEST ADVICE: As you read more about blogging, you will find this advice given over and over again. "CONTENT IS KING". What it means is that if you have good content and learn how to utilize all the tools available to promote your content, your readers will find you. They will come and they will stay if you engage them.
Blogging is hard work but it can also be very rewarding. It's all up to you. Just like the old adage says, "You get what you put into it". My advice is, JUST DO IT. Jump in, and just start writing. You never know what you're going to get out of it until you try.
Dear Blog, did you miss me?
My Dear Blog,
It has been a year since my last visit. Do you still know me? Do you still care about me? Because I sure hadn't cared about you for a year at least. I barely even thought about you.
But here I am again not because I have run out of things to do but rather, I miss the things I used to do. Like blogging. I tried it out there, in the real world that has people with faces. It's scary and they sap the energy out of you!
I think I'd rather be here with you, in the quietness of a blog unread. At least the spammer that occasionally visit, we can delete. And the rare visitor who leaves a genuine comment, we can answer back and not be expected to invite them for dinner.
I think I like it here, blog. It's quiet here with you.
How about you? How have you been? Did you miss me? What is it like to sit fallow for a year? Were there any visitors at all while I was gone? Did you treat them well? Or did you just serve them up with the stale cookies I left in the cupboard?
Well I'm back now, so maybe we can spruce things up a bit and cook up something good. What do you think? Do you still feel like listening to me?

subset: commoncrawl


text:
Please log in or register to manage your account
Model: 1790417 Item: DYM1790417
Tap unmatched labeling power with touch-screen simplicity. Large, full-color touch screen display allows you to edit and format your labels with the touch of your fingertip. Print high-quality text, pictures, logos, icons and bar codes. Download labels and label templates from your PC or Mac® via USB connection. Print batch labels from database, spreadsheet or text files. Store labels, templates and data for up to six different users. Choose from 10 fonts, 12 font sizes, 12 text styles and 15 boxes plus underline. Uses DYMO® D1 label cassettes up to 1" wide. Includes rechargeable battery pack and charging adapter. Machine Width: 6 1/2"; Machine Depth: 6 5/8"; Machine Height: 3 3/8"; Power Source(s): Rechargeable Battery Pack and Charging Adapter (Included).
Printerbazaar is a one-stop destination for all your office supplies. From highly durable branded printers to a plethora of accessories, you can get your suitable product at a competitive cost.
At Printerbazaar, we are committed to make your shopping experience hassle-free by conveying the best information. We understand that office related purchasing decisions are vital and thus the right comparisons are necessary before buying.
DYMO® Organizer Xpress Pro, 1 Line, 6-1/4w x 8-3/8d x 3-3/4h
$15.00$1065 / each
DYMO® Office-Mate II, 1 Line, 3-1/3w x 9-7/10d x 3-2/5h
$42.41$2672 / each


text:
'Mermaids: The Body Found' proves there's something mysterious beneath the surface
If audience members go into Animal Planet's new TV movie about mermaids with an open mind and sense of adventure, they will find so much to enjoy in the two-hour special. Balancing fact and fiction in that nebulous area known as speculation, Mermaids: The Body Found is one of the best TV shows of the year. It plays like a cinematic cousin to The Blair Witch Project and Paranormal Activity, and it never ceases to impress with stunning CGI, clever storytelling and a few tantalizing morsels of indisputable fact.
What's real and what's fake on the program will depend on the individual viewer. I went in open to anything and willing to take all of the revelations at face value. I knew that much of the storyline was the work of Hollywood rather than the scientific community, but that didn't decrease my enjoyment one bit. Mermaids: The Body Found thrives on its ability to teeter-totter back and forth between "actual" and "possible." This will undoubtedly annoy some purists (mostly those people who don't believe in Bigfoot, the Loch Ness monster or aliens). But for the rest of us — those people who cherish a sense of discovery and mystery in our world — the film will delight.
There are some facts that are substantial. There is an unidentified sound that has been captured at least twice by researchers. It emanates from the depths of the ocean and appears to be organic in nature. No scientist has been able to identify what creature made the sound, but it definitely appears to be a highly-advanced communication system of some sort. Similar to a dolphin, but still distinct. It's nicknamed "The Bloop," and it has confounded many theorists for years.
Another fact: It appears that the mass beaching of whales a few years ago was tied to sonar activity by the United States Navy, even though the military branch denies any fault.
Then there's the aquatic ape theory, a hypothesis that a strain of our early ancestors took to the seas and morphed into mermaids. Although this sounds like something from a Disney movie, there are some facts that will get your head scratching. First off, open the palm of your hand. In between the fingers will be a fleshy webbing. It's not exactly fish-like, but it's very unique to humans. Apes don't feature this webbing, and it begs the question: How did it get there? You could probably ask the same question of the extra flesh between your toes.
Humans also have subcutaneous fat that helps warm our bodies (similar to dolphins and whales). We can hold our breath for a long period of time. We don't have hair over our body like our ancestors or ape cousins (perhaps to help us swim?). We have an instinctual ability to survive in water.
All of this evidence doesn't prove that mermaids exist. However, it does furrow the brow.
One of the strongest bits of evidence is our cultural history. Mermaids have been featured in mythology, paintings and oral traditions for centuries. Could there be a genesis for these stories? Was there some creature that sparked this line of questioning?
It's actually easier to believe in mermaids than it is to believe in Bigfoot or the Loch Ness Monster. Our planet is mostly made of water, and much of this blue expanse has never been explored. If a Bigfoot dies in the woods, wouldn't the bones eventually be found? If a mermaid dies in the middle of the ocean, there's probably no way to confirm its existence.
Mermaids: The Body Found jumps beyond these conspiracy theories and tells another story about a group of scientists from the National Oceanic and Atmospheric Administration (NOAA). Apparently these "researchers" investigated the Bloop and also autopsied an actual mermaid body. Their most convincing evidence is a short cell phone video filmed by a pair of children on a beach.
SPOILER ALERT: This is probably where Animal Planet uses its creative license.
No matter what's real or fake, Mermaids: The Body Found delivers on so many levels. Watching the possible evolution of these mermaids in their CGI historical worlds is sometimes breathtaking. Hearing the conspiracy theories is fun. Hearing the facts of the case is extremely interesting. Taken together, the two-hour special, which replays tonight at 7 p.m. EDT, is a perfect kickoff for the summer months. There's more enjoyment with these finned mythological creatures than most sitcoms and dramas.
Consider me a believer and someone who will now think twice when dipping my toe in the ocean.
By John Soltes / Publisher / email@example.com
Click here for more information.
8 Responses to 'Mermaids: The Body Found' proves there's something mysterious beneath the surface
There is one thing for sure we don't know what is in our own back yards. The thing that rings true is the very thing that bothers people about Area 51 the pound of truth leaked is convincing and has sold the ounce of lie that spins things off track.
I've long felt this was possible, the filming of events are not alarming but it does sell the government of South Africa is covering up the real reason why we are justifying the killing of marine mammals real purpose. The Nazi relocated there and now control everything there including the diamond trade that finances other clandestend acts; genocide has always been on there agenda from those who walk amungst them and those they have yet to understand, its easier to put them down than it is to understand and them and work with them to what end? I enjoyed what they presented and want to see more.
I think that the theory of mermaids is very possible. People discover new ocean species every day, and even two new types of whale in the past decade alone. What I personally thought was fake in the program was the three videos, the one from the cell phone, the one from the boat, and the one from the Navy facility. The 'mermaids' in these videos all look computer animated, not to mention the fact that in the cellphone video the two kids never spoke. If I were on that beach I know that I would have spoken to whoever was with me, "What is that," "Dude Look out," "Don't Poke it with a stick!" "It's hand is moving, bro." Anything. But the Kids never talked. Also the drawing the child had, a bit convienient that it showed both the eyes and the hand of the creature…. Just saying.
Watched the whole show. The videos of the creature on the beach are obviously fake, as well as the one of the fishermen with it in their net. The "mermaid" parts of the video moves out of sync with the rest of the videos. Pretty darn easy to spot.
I have to say ever since I saw the little mermaid I have been hooked. I even read the original. This was an awesome story and it really gets one to think about the actual possibilities of mermaids. I think it is extremely possible that a species existed at some point. I do believe the story of the mermaid body is just a story. The videos were obviously fake. The scientists were actors and any reports of finding a body in a shark were probably multiple species that the shark was digesting. I believe the purpose of the "documentary" was really just another way to promote one to think of the consequences of what they do in the water and to the rest of the earth. Stil an awesome story! I loved it.
I really did enjoy the whole video, being a graphic design graduate it was very easy to see the videos were fake BUT still enjoyable. After reading this article i believe even more in the possibilities of mermaids especially now that is has bee pointed out to me that the "skin" between my fingers is webbing XD ! It just never occurred to me to call it that lol but this was a fun ride and every few months i like to read into recent and older cryptozoology reports and stories and this one was right on time!
I always find it interesting that whenever someone is trying to suggest that we are related to apes they always point out all of the "similarities" between us, but when they want to link us to mermaids then we see how humans have this and apes don't and we're told how different we are from apes.
The only reason why I personally doubt that Mermaids exist is because of the video that was played that the boys "recorded." Its in every way fake and anybody must be retarded to think its real. The boy recording runs and it shows his feet. He would purposely have to point the camera phone in that position and how would he have time for that if some scary creature just jumped at his brother. So is that a fake video because they can't show the real one to the public? Or is the story about the boys finding the mermaid a myth? I'd like to know!
Bigfoot-we have some video and pictures, Nessie-same, other crytoids-same to some degree, Giant Squid-nothing until they finally filmed it… My point is that if it's out there it's just a matter of time that a body of one will drift to the shore. History recorded a couple of incidences where something was foundon a shore somewhere but not saved… Hmmm. I loved the theory and documentory. The whole concept was very intertaining. The videos were obviously staged and/or cgi. All in all I'm waiting for that moment when a real one will drift to shore and we really do have "The Body Found".


text:
|· Portal
|Help Search Members Calendar
|Welcome Guest ( Log In | Register )
|Resend Validation Email
Fully Featured & Customizable Free Forums
|Welcome to Wrath of Fate. We hope you enjoy your visit.
You're currently viewing our forum as a guest. This means you are limited to certain areas of the board and there are some features you can't use. If you join our community, you'll be able to access member-only sections, and use many member-only features such as customizing your profile, sending personal messages, and voting in polls. Registration is simple, fast, and completely free.
Join our community!
If you're already a member please log in to your account to access all of our features:
Posted: Feb 8 2011, 10:53 AM
Group: Admin
Posts: 50
Member No.: 2
Joined: 13-December 10
Rules on Wrath of Fate
General RP board rules-
~Wrath of Fate is rated Mature and will include strong language, suggestive and sexual situations, fictional drug use, and violence. As such, members must be 16 or older to join, and 18 or older to post any mature content.
~ No posting anywhere on the forums in character until your application is approved by staff.
~ No god modding. This means that you can not control how someone else's character will react in fights, what they will say, where they will go etc. The only characters you have control over are your own. Also as for character deaths, you MUST get permission from someone to kill their character and also notify staff of this if you are killing someone else's charry in threads.
~ We ask everyone to post at least once a week with their characters. If you can't post in that amount of time for some reason, please leave a note in the 'away' section and let us know.
~ Please make your screen name match the name of your character to avoid any confusion on the boards, one character per account please. You may have multiple accounts and multiple characters. We ask that you limit yourself to four characters in your first 3 months of playing. After that, if you want another character, ask a staff member for approval first please. We check PM's and are on our various messengers every day so you will get a reply for approval shortly.
~ Please write everything in the third person and use past tense when writing your posts and applications. This helps keep everything unified and much easier for everyone to follow along with threads.
~ Any threads containing graphic violence or sexual content will be moved to a section that is password protected. You must be 18 to get the password to the mature section, and if you are under 18 we request that you do not post anything containing sexual content. If you violate this rule, you will be warned and possibly banned. Nothing personal, but under age 18 and it becomes a Grey area legally and we could possibly get in big trouble and shut down for it.
~ Please advertise in the designated section on the boards and nowhere else.
~ If you break a rule, you will get a warning. If you do it again, staff will discuss what to do after that.
~ Please do not pester other players to post to you every day. If it has been over a week you are free to remind them that they owe you a post, but nobody likes to be nagged at. Check for away messages before you ask to avoid drama. Which leads us to....
~There is an 'away' section for a reason. If you are not going to be able to post for a week, a few days, or something has come up, even if there's just one character who isn't coming to you very well in posts, whatever reason, PLEASE use the away section to let other players and staff know what is going on.
~ All that being said, we'd like to keep the site a friendly and fun place to rp. If you see that someone has open threads and nobody is posting to them, make the effort to include them and join in. Everyone is here to have fun so keep the bickering and grudges to a minimum. If you really want to fight with someone out of character, please use pm's or your messengers for that. We aren't going to tell you to hold hands and play nice, but please keep it out of the view of other members who are just trying to have a good time.
~ Also, if you feel like someone is being inexplicably rude, pushy or mean, please let staff know and we will handle the situation the best way we see fit. Feel free to pm or message staff with any questions, ideas, concerns etc.
IC C-Box rules-
~ First and foremost, what happens in the in character box does not affect the world of the forums at all. The IC box is for fun and possible plotting for the boards for later. It does not transfer to your character on the boards.
~ Please do not put a new character into the IC box until the application is posted up.
~ If we see you in the c box often but you are not posting, we may ask that you stay out of the IC box until you have replied to some of your threads. This site is here to be an rp forum, the IC c box is purely for fun and not the main focus of the site.
~ Please keep both c boxes to pg 13. Swearing is okay but keep it realistic, and if you get into a sexual situation in c boxes, please use your judgment to 'pull down a curtain' as we like to say, and keep the mature material out of the box. Guests can see these c boxes and we don't want to scare them away with smut.
~ C box is for fun, and as such we ask you to try and include everyone present into the rp. Sometimes your characters are off in different places etc and that is fine, but please never just ignore someone, at least have your character say hi or something if they are in the same room. We want everyone to enjoy themselves here.
OOC C Box Rules-
~ Same general idea as IC box, keep it pg 13 please, and try to include everyone in conversation
~ Keep in mind that the OOC box is not there to bad mouth other sites or rant and rave about everything going on in your life. It's fine to say you had a bad day etc, but please keep very personal information out of the c box. We like the site to be fun and upbeat and don't want to bring everyone down. If you'd like to talk about it, you are free to pm someone you feel close enough to talk to and explain to them there.
~ No advertising other sites in either c box. Also, no spamming the c boxes.
~ No fighting in the c box. If you're having a problem with someone, please take it to messages somewhere else. Also no flaming or picking on members at any time. Be fair, the c boxes are for everyone.
Aside from the rules posted if anything ever comes up and we feel the need to change the rules we will and we will notify members. Also, use your common sense here, and just don't be a troublemaker in general. If you get a warning and keep breaking rules we will ban you from the site and the c boxes. Please don't make it come to that, we're here to have fun.


text:
Police said they are looking for a suspect who suddenly and violently attacked a man at a business.
No email address was supplied by
To complete your registration on this site, please supply an address.
Please confirm or modify the email address to which you will have subscription offers sent.
For a more personalized experience, please supply the following optional information.


text:
This insane wall of fire has to be the awesomest way to cook meat
Sure, a charcoal grill or a barbecue pit can roast some delicious meat but if you want to up the insane level, I'm not sure anything can top this: a wall of fire made from 30 steel drums welded together. It's like barbecuing with dragon fire or a volcano or a never ending bomb explosion. And it looks awesome.


text:
Tapwave T2907US Zodiac 2 Touchscreen/Display Replacement
Confusing Text
Some of this guide's text is confusing, duplicated, or off-topic. Clarify it by editing!
Needs More Images
A few more images would make this guide's procedures crystal clear.
Action Shots
Be an action hero! This guide needs images that better demonstrate how to perform specific actions.
Installing a brand new screen in place of a broken one.
- Author: Daniel Wiseman
- Time estimate: 20 - 30 minutes
- Difficulty: Moderate
Use this guide when you need to replace your display due to a clumsy mistake.
Embed this guide
Choose a size and copy the code below to embed this guide as a small widget on your site / forum.
- Back Cover 2 steps
- Battery 2 steps
- Motherboard 7 steps
- Touchscreen/Display 3 steps
Wedge a spudger in between the front and back panel.
Apply leverage downwards to the spudger in order to remove the back panel.
Slide the battery out from under the brown wire-tape.
Be careful of the wires still connected to the other end of the battery. Do not pull or damage may occur.
Slowly pull the white plug from its receptor. Grasp its sides firmly with a pair of tweezers and gently wiggle from side to side.
Disconnect 2 brown wire-tape ends from each end of the motherboard. Gently pull straight out with tweezers.
Pull the motherboard and screen component diagonally up and left away from the auxiliary port entrance to remove.
Disconnect the 2 brown wire-tape ends from the left side of the battery slot on the motherboard using tweezers.
Disconnect the large brown wire-tape from the motherboard.
Peel the black tape back from the wire-tape using tweezers.
Lift the black, hinged, plastic lock with tweezers to release the wire-tape.
The screen and motherboard components can now be separated from each other.
Unscrew the 2 Philips #00 screws from the bottom edge of the screen component.
Take off the brown wire-tape from the small circuit board component.
Lift up so that the black plastic hinge piece swings open and the tape can be removed.
To reassemble your device, follow these instructions in reverse order.
To reassemble your device, follow these instructions in reverse order.
Now that you've finished, share your repair story with others.Write a story
0 Comments
No comments.


text: South San Francisco-based Sutro Biopharma, which develops a scalable biochemical protein synthesis platform, said today that it has added $16.5M in a second tranche of its Series C funding round. The round was led by Skyline Ventures, and also included prior investors Lilly Ventures, Amgen Ventures, SV Life Sciences and Alta Partners. The company said it has now raised $36.5M in the round. The company said it has raised $60 million since its founding in 2003. Sutro is led by William Newell, and is targeting its products at cancer therapies. More information »


text:
Posted January 9th, 2014 by Rachel in Leiden, the Netherlands
Hello! I'm Rachel Mairose, your Leiden blogger for this semester! I attend school at Briar Cliff University in Iowa, but I hail from Kimball, South Dakota (it's almost exactly in the middle of the state). My hometown, even with its paltry population of around 800, is famous for its homemade popcorn balls. I grew up on a farm and ranch with my nine siblings, herd of goats, and other farm animals. At home, I give myself the title of goat-enthusiast, but at Briar Cliff, I am an English and Political Science junior. I like to stay busy, so at school I work four jobs; my favorite is working as a writing mentor in the writing center on campus.
It's hard to believe that the next time I post I will be in the Netherlands! Until then, I'm going to mentally pack my suitcase a few more hundred times in my sleep and continue to open my desk drawer every five minutes to make sure my passport hasn't run off.


text:
The Daily Startup: Google Ventures Backs Autism Test Maker SynapDx
Top stories in today's VentureWire:
SynapDx Corp., which is in clinical trials with a potentially breakthrough diagnostic to predict the risk of autism among very young children, has turned to another powerful strategic investor–Google Ventures–in a $15.4 million funding round, the company said. The new infusion of capital will help the company complete clinical trials of its blood diagnostic in 20 sites, including some of the top children's hospitals in the country, Chief Executive Stan Lapidus said.
Alcresta Inc. has raised $10 million in Series B financing from insiders as it prepares to launch its initial nutrition products for people with medical conditions that make it difficult for them to get proper nourishment. Premature infants and people with diseases such as cancer may be unable to digest beneficial fats such as long-chain polyunsaturated fatty acids. Alcresta's enzyme-based products would digest them so patients can get the nutrients they need.
Also in today's VentureWire, Atlanta startup 2080 Media Inc., better known as PlayOn! Sports, has raised $26 million in Series D funding to broadcast just about any game in high school sports to fans online…Geospatial company OpenGeo Inc. has received an investment from In-Q-Tel, the strategic investment firm associated with the U.S. Central Intelligence Agency, and signed a deal with the firm to develop open-source technology…and Shares of RetailMeNot, an online aggregator of coupons and discounts, jumped nearly 32% on the company's first day of trading Friday to close at $27.70.
(VentureWire is a daily newsletter with comprehensive analysis of all the investments, deals and personnel moves involving startups and their venture backers. For a two-week trial, visit our homepage, scroll to the bottom and click "try for free.")
Elsewhere around the Web:
European technology companies are finding later-stage venture capital hard to come by compared with their U.S. counterparts, a London VC tells Wall Street Journal blog TechEurope.
The taxi industry is ripe for disruption but car services like Uber, Lyft and Sidecar tangle with bureaucrats and unions as they try to roll out change, the New York Times reports.


text:
Take a sneak peek at the new NIST.gov and let us know what you think!
(Please note: some content may not be complete on the beta site.).
NIST WTC 7 Investigation Finds Building Fires Caused Collapse
For Immediate Release: August 21, 2008
Michael E. Newman
Report and Recommendations for Improving Building Safety Released for Comment
GAITHERSBURG, Md.—The fall of the 47-story World Trade Center building 7 (WTC 7) in New York City late in the afternoon of Sept. 11, 2001, was primarily due to fires, the Commerce Department's National Institute of Standards and Technology (NIST) announced today following an extensive, three-year scientific and technical building and fire safety investigation. This was the first known instance of fire causing the total collapse of a tall building, the agency stated as it released for public comment its WTC investigation report and 13 recommendations for improving building and fire safety.
"Our study found that the fires in WTC 7, which were uncontrolled but otherwise similar to fires experienced in other tall buildings, caused an extraordinary event," said NIST WTC Lead Investigator Shyam Sunder. "Heating of floor beams and girders caused a critical support column to fail, initiating a fire-induced progressive collapse that brought the building down."
"Video and photographic evidence combined with detailed computer simulations show that neither explosives nor fuel oil fires played a role in the collapse of WTC 7," Sunder said. The NIST investigation team also determined that other elements of the building's construction—namely trusses, girders and cantilever overhangs that were used to transfer loads from the building superstructure to the columns of the electric substation (over which WTC 7 was constructed) and foundation below—did not play a significant role in the collapse.
According to the report, a key factor leading to the eventual collapse of WTC 7 was thermal expansion of long-span floor systems at temperatures "hundreds of degrees below those typically considered in current practice for fire resistance ratings." WTC 7 used a structural system design in widespread use.
Citing its one new recommendation (the other 12 are reiterated from the previously completed investigation of the World Trade Center towers, WTC 1 and 2), the NIST investigation team said that "while the partial or total collapse of a tall building due to fires is a rare event, we strongly urge building owners, operators and designers to evaluate buildings to ensure the adequate fire performance of the structural system. Of particular concern are the effects of thermal expansion in buildings with one or more of the following features: long-span floor systems, connections not designed for thermal effects, asymmetric floor framing and/or composite floor systems." Engineers, the team said, should be able to design cost-effective fixes to address any areas of concern identified by such evaluations.
The investigators also reported that if the city water main had not been cut by the collapse of World Trade Center towers 1 and 2 (WTC 1 and WTC 2), operating sprinklers in WTC 7 would likely have prevented its collapse. "Nevertheless," Sunder said, "we recommend that building standards and codes be strengthened beyond their current intent to achieve life safety by preventing structural collapse even during severe fires like this one, when sprinklers do not function, do not exist or are overwhelmed by fire."
Sunder identified several existing, emerging or even anticipated capabilities that could have helped prevent WTC 7's collapse. He cautioned that the degree to which these capabilities improve performance remains to be evaluated. Possible options for developing cost-effective fixes include:
Determining the probable collapse sequence for WTC 7, NIST found that the impact of debris from the collapse of WTC 1 ignited fires on at least 10 floors of WTC 7, and the fires burned out of control on six lower floors. The heat from these uncontrolled fires caused thermal expansion of the steel beams on the lower floors of the east side of WTC 7, damaging the floor framing on multiple floors. Eventually, a girder on Floor 13 lost its connection to a critical interior column that provided support for the long floor spans on the east side of the building. The displaced girder and other local fire-induced damage caused Floor 13 to collapse, beginning a cascade of floor failures down to the fifth floor. Many of these floors had already been at least partially weakened by the fires in the vicinity of the critical column. This collapse of floors left the critical column unsupported over nine stories.
"When this critical column buckled due to lack of floor supports, it was the first domino in the chain," Sunder explained. "What followed in rapid succession was a progression of structural failures. Failure first occurred all the way to the roof line—involving all three interior columns on the most eastern side of the building. Then, progressing from east to west across WTC 7, all of the columns in the core of the building failed. Finally, the entire façade collapsed."
The investigation team considered the possibility of other factors playing a role in the collapse of WTC 7, including the possible use of explosives, fires fed by the fuel supply tanks in and under the building, and damage from the falling debris of WTC 1.
The team said that the smallest blast event capable of crippling the critical column would have produced a "sound level of 130 to 140 decibels at a distance of half a mile," yet no noise this loud was reported by witnesses or recorded on videos.
As for fuel fires, the team found that they could not have been sustained long enough, could not have generated sufficient heat to fail a critical column, and/or would have produced "large amounts of visible smoke" from Floors 5 and 6, which was not observed.
Finally, the report notes that "while debris impact from the collapse of WTC 1 initiated fires in WTC 7, the resulting structural damage had little effect in causing the collapse of WTC 7."
The investigation team found that the design of WTC 7 was generally consistent with the New York City building code in effect at the time. The estimated 4,000 occupants of WTC 7 on the morning of Sept. 11 were evacuated without any fatalities or serious injuries.
To reach the conclusions in its report, NIST complemented its in-house expertise with private-sector technical experts; accumulated an extensive collection of documents, photographs and videos related to the WTC events of 9/11; conducted first-person interviews of WTC 7 occupants and emergency responders; analyzed the evacuation and emergency response operations in and around WTC 7; and performed the most complex computer simulations ever conducted to model a building's response behavior and determine its collapse sequence due to a combination of debris impact damage, fires and a progression of structural failures from local fire-induced damage to collapse initiation, and, ultimately, to global collapse.
NIST welcomes comments on the draft report and recommendations—available online at http://wtc.nist.gov—received by noon Eastern Daylight Time on Sept.15, 2008. Comments (instructions for submission are available at http://wtc.nist.gov) may be submitted via:
As an agency of the U.S. Department of Commerce, NIST promotes U.S. innovation and industrial competitiveness by advancing measurement science, standards and technology in ways that enhance economic security and improve our quality of life.


text:
Third Party Service Provider Blocking Options
Your Frontier bill may contain charges for services that you or other authorized individuals in your household have purchased from companies other than your local Frontier telephone company. Such charges appear in a separate section of your bill along with the name and toll-free number of the company providing the services.
Please review your bills carefully each month to be sure you are only being charged for authorized services. If such charges do appear, you may contact Frontier or the other provider at the numbers provided on that statement to discuss the charges.
If you do not want any charges from companies other than Frontier to be on your bill, contact Frontier toll-free at 800-921-8101 to request that a block be placed on your account. This will not affect your ability to call long distance from your home. There is no cost for this service.


text:
Skip to comments.Crossdressing 7-year-old boy allowed to join Girl Scouts
Posted on 10/31/2011 2:46:46 PM PDT by NYer
October 31, 2011 (LifeSiteNews.com) - Girl Scouts of Colorado has announced that 7-year-old Bobby Montoya, who was initially turned away from a local Girl Scout chapter on the grounds that he is not a girl, will be allowed to join since he identifies as a girl.
Rachelle Trujillo, vice president of communications with Girl Scouts of Colorado, told CNSnews.com that any child who is living life as a girl is eligible for membership in the organization.
We have privacy rights that we are very respectful of with families, Trujillo said. We do not require proof of gender when a family wants their daughter to be a member of Girl Scouts.
Bobbys mother, Felisha Archuleta, says her son was humiliated when he was turned away by a Girl Scout leader earlier this month.
When the story became public, Girl Scouts of Colorado released a statement repudiating the troop leaders actions.
Our requests for support of transgender kids have grown, and Girl Scouts of Colorado is working to best support these children, their families and the volunteers who serve them, the statement said.
In this case, an associate delivering our program was not aware of our approach. She contacted her supervisor, who immediately began working with the family to get the child involved and supported in Girl Scouts.
Archuleta has since told ABC News that she is in contact with the organization and has been assured that the leader who rejected Bobby would be given sensitivity classes.
I believe [Bobby] was born in the wrong body, she said. "For birthdays, he asked for ponies. He had a princess birthday, and last year when he turned 7, he had a Rapunzel birthday. I have just basically supported him."
She claimed that her son has believed he was a girl since he was two years old.
The news service reported that Bobby has started dressing in girl clothing in public after his clash with the girl scouts. According to Archuleta, in the past, he has mostly gone to school dressed as a boy to avoid teasing.
The 7-year-old appeared last week on the Denver-based news station 9news.com dressed in girl clothing.
I like brats, barbies, strawberry shortcake, he told the reporter. I like any girl stuff.
Yeaaaah!!! We're all soooooooooooooo much better off because of the gay agenda. A chicken in every pot and a gerbil in every crack.
Now will other parents withdraw their girls from the scout pack and the scout leader resign?
Time to buy a urinal for all girl scout troop meetings. Dumbasses.
Sounds to me like the little boy doesn't have a male role model and his mother really wanted a little girl.
Poor kid's friggin witch mother needs to be locked up.
Makes you wonder what his mother thinks she is doesn't it?
Call the Girl Scout headquarters.
Tell them you will not support them with you daughters' participation, nor with any purchase of their cookies.
Hit them in the wallet.
No more cookies for me!
If this isn't child abuse I don't know what is,,,,
Apparently no Dad around, so the toddler identifies with the present parent (a girl) and wants to be like her. No shock. Any normal parent would correct the boy ("No, you're a boy. Mommy's a girl. The sperm donor you've never met because I'm a freak and ran him away is a boy") and move on.
Maybe the Olympics has a good idea—have a gender test—look for a vagina or a penis, and when in doubt do a DNA test.
Nobody should be letting their kids join these leftwing organizations.
All of this started when Peter Brady felt like a girl and joined the Sunflower Girls on the Brady Bunch a show that mocked Suburban American families with Christian values.
I feel I was born in the wrong century. I often wear Victorian- and Renaissance-inspired clothes. Does this mean an over-50 club should ignore the lie written on my birth certificate and accept my membership?
Just wait until the little perv comes after one of the real Girl Scouts clutching his "Order of the Arrow" in his grubby mitts.
Not. One. Little. Bit.
There is a major difference between the Boy Scouts of America and the Girl Scouts of the USA.
The leader who first rejected this kid is being given a 'sensitivity class."
Is that like requiring her to attend a re-education camp?
´No more cookies for me, thanks.´
That leader must really really really REALLY want to stay in Girl Scouts
I know what I'd do if a Council did this to me
(all leaders are VOLUNTEERS, I guess this one just enjoys saying "Thank You Ma'am ... may I have another"?
AS for Bobby- well, once his leader gets re-educated she'll be responsible for making Bobby into a woman of "Courage Confidence and Character" and teaching her/him to excel in female leadership
Next, I wait for 17 year old gay teenage boys to join Girl Scouts to learn to camp like girls- how can National say "no" after this?
While the Boy Scouts have fought it at every step, the Girl Scouts have completely embraced the LGBTXYZABC agenda.
This poor kid is going to get his butt kicked by his classmates if they ever see him dressed as a girl,or find out about it in some other fashion.
"But mark this, there will be terrible times in the last days..."2 Timothy:3
Evil is advanced with positive-sounding arguments for "tolerance". Once wicked behavior was medicalized in the 60's-70's, evil was able to hide its face behind various syndromes and "sicknesses". No longer called "sin". (Which is a tragedy because sin can be forgiven; syndromes cannot).
Dr. Thomas Szasz crusaded against the notion of psychiatrists being able to involuntarily incarcerate people simply on the say so of their invented syndromes. Though an atheist, Szasz was extremely lucid on this issue and on the side of right (whether he would agree or not).
The notion of a boy being considered a girl "in the wrong body" is a satanic fabrication. The adults misguiding this young man will answer to the Lord for it.
If I were this leader I'd tell them where they can go.
I really could care less what the GSoA decided in this case. What REALLY bothers me is the acceptance of the claim that a 2-year-old child could understand enough about gender to *decide* he was a girl. SERIOUS problems exist in this child's MOTHER. I feel very sorry for this young boy and he is in my prayers...
This gender-bending has been going on for a while, but not so extreme.
My mom was from a relatively conservative background, but based on her early 1970s psychology education she tried to give me, her then-eight-year-old son, a baby doll for Christmas. It was trendy to break stereotypes. (The doll was black too, I guess it doubled as an anti-racist measure).
Of course, I assumed Santa Claus had misplaced my sisters' gift, so I gave it to them to play with and wouldn't listen to her foolish claims that it was intended for me.
Mom and I sure can laugh about that incident now, I hope this kid can turn out so fortunate.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
- Report: #835404
Report - Rebuttal - Arbitrate
Complaint Review: National Fitness Layton Utah
National Fitness Layton Utah1645 East Highway 193, Suite 100 Layton, Utah United States of America
National Fitness Layton Utah National Fitness, Recon Fitness Group, Dynamic Fitness, Dan (Daniel) Hubbard Gym Membership Scam/ Class Action Lawsuit Information Layton , Utah
*REBUTTAL Owner of company: Facts
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
The business owner told me that he no longer owned my contract and therefore no longer had the authority to stop the billing company from processing my payments. When I called the billing company National Fitness they told me no one in the world has the authority to cancel my contract not even me. They used unlawful trade practices when selling their memberships.
I have a contract with my cancellation fee crossed on the carbon copy and a statement from the employee saying that I can cancel at anytime. There was misrepresentation of the totalfees involved therefore the purchase price of the product. There are numerous other complaints about this business and the trainer and I have been in contact with the other complainants. The billing company has complaints nation wide as National Fitness for unlawful trade practices, unauthorized card processing, and unethical collection practices.
I am looking for more people to join a class action lawsuit. File your own Ripoff Report and our attorneys will
contact Ripoff Report to make arrangements to have you contact our attorneys.
This report was posted on Ripoff Report on 02/07/2012 01:23 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-Fitness-Layton-Utah/Layton-Utah-84040/National-Fitness-Layton-Utah-National-Fitness-Recon-Fitness-Group-Dynamic-Fitness-Dan-835404. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on National Fitness Layton Utah
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.
#1 REBUTTAL Owner of company
AUTHOR: Dan - (United States of America)
SUBMITTED: Thursday, May 17, 2012POSTED: Thursday, May 17, 2012
1. In the fall and winter of 2011-2012 we ran a promotion and utilized Joey Denawetz and Recon fitness. Their company runs promotions, makes cold calls, holds open houses etc. in an effort to sign new members. They were able to get a lot of people through my doors in order to see our facility.
2. Anyone who came in and visited out facilty was given a free one month membership and were offered some greatlly reduced membership pricing if they chose to sign up.
3. All contracts clearly state that there is a 3 day cancellation period. Beyond that point, and it is clearly stated, that contracts cannot be cancelled or transfered.
4. The contracts also require a new member to choose how they want to pay for their memberships. They in turn fill out a section on the contract where they enter a credit card number or savings or checking account information. The contract clearly states that by signing it, they are authorizing National Fitness to access their account and shows how many payments and the amount.
5. NEVER was it stated that I was not authorizing the payments to be processed.
6. NEVER was it stated that I no longer OWNED this contract.
7. The promotion company does receive a percentage of the contracts they sell. Therefore, as a gym owner I cannot call and cancel anyone's contract. If a dishonest gym owner could do this, they would call and cancel ALL memberships and resign them, thus stealing all of the percentages owed the Promotion company.
No matter how hard you try, there are always going to be disagreements that arise. We try our best to handle them properly.
After 12 years, I have learned that the customer IS NOT always right.
However, I do believe this person's contract WAS cancelled and I hope there are no hard feelings.
Thank you
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
Advertisers above have met our
strict standards for business conduct.


text:
OAKLAND, Calif. -- Arian Foster got benched at the start of the game for his behavior off the field. There once again were no problems once he stepped between the lines.
Foster returned from his punishment to score on a 74-yard run and a 10-yard catch in the second half before Troy Nolan's second interception sealed the Houston Texans' 31-24 victory over the Oakland Raiders on Sunday.
"I didn't handle my business off the field, I got disciplined for it, and rightfully so," Foster said. "I take full responsibility and I apologized to my teammates for it, and it won't happen again. And we're all about moving on here. I slipped up, and I'm assuring it won't happen again."
|More on Texans-Raiders
|Related links
Neither Foster nor coach Gary Kubiak would say what went into the decision to bench the NFL's leading rusher for the first 23 minutes against the Raiders (1-3).
But the Texans (3-1) were happy to have the NFL's leading rusher back in time to spark them to another victory.
"Bottom line, we all have responsibilities and over the course of the past few weeks he's neglected responsibilities, he's been unaccountable in a couple of situations," Kubiak said. "When that happens you've got to learn a lesson, pay a price. I'm disappointed in him, but proud of him coming back and playing well today."
Foster took the game over in the second half. On the second play from scrimmage, he burst through a big hole and raced to the 74-yard score, breaking a tackle by Michael Huff on the way to the end zone.
Then on the first play of the fourth quarter, Foster caught a short pass from Matt Schaub for the score that gave Houston a 31-14 lead.
"Hopefully it shows my teammates and my coaches that they can count on me," Foster said. "I didn't take it lightly that I sat out the first quarter. I can get the job done, and they can count on me from here on out."
Schaub also threw an 11-yard touchdown pass to Joel Dreessen and Derrick Ward scored on a 33-yard run for the Texans, who are off to their best start in franchise history despite playing this game without injured leading receiver Andre Johnson (sprained right ankle).
They still had too much for the Raiders to handle, finishing with 441 yards of offense, including 249 on the ground. The Raiders' latest loss came in front of a crowd announced at 32,218 -- the smallest in a non-replacement player game for the franchise since 1967.
|CBSSports.com Grades
|Houston Texans
|The Texans put up 31 points on the road. Not bad considering they played the entire game without injured WR Andre Johnson, the second half without injured WR Jacoby Jones and most of the first half without RB Arian Foster. The defense came up big when it mattered, forcing three turnovers.
|Oakland Raiders
|The Raiders' supposedly improved run defense gave up 249 rushing yards to Houston. It would have been worse if Foster had played the entire game. TE Zach Miller caught a career-high 11 passes, but the wide-outs combined for four catches.
|By Eric Gilmore
RapidReports Correspondent
Submit your grades on Facebook
"It's demoralizing when a team can run the ball at will and we don't stop it," defensive tackle Richard Seymour said. "That's what it is. We didn't stop the run. There's no excuse for that, period."
Bruce Gradkowski turned the ball over three times, losing a fumble to thwart a drive in Houston territory late in the first half with the game tied, and throwing the two second-half interceptions. The first came one play after Neil Rackers gave the Texans a 24-14 lead with a 35-yard field goal in the third quarter.
Five plays later, Foster beat rookie linebacker Rolando McClain in the flat for the score that put the Texans in control. Foster finished with 131 yards on 16 carries and added 56 yards receiving.
Schaub completed 16 of 29 passes for 192 yards and two touchdowns, breaking David Carr's Houston franchise record with his 60th TD pass on the throw to Foster.
Gradkowski, who was sent to the locker room briefly in the second half after a hard hit by Bernard Pollard, tried to lead the Raiders back with a 14-yard touchdown pass to Zach Miller early in the fourth and setting up a 39-yard field goal by Sebastian Janikowski that made it 31-24 with 6:13 remaining.
After the Raiders' defense came up with a second straight stop, Gradkowski got one last chance at his 25 with 3:04 to play. But his fourth down pass went through Louis Murphy's hands and was intercepted by Nolan with 1:40 remaining. One more first down by Foster helped Houston run out the clock as the Texans' dominance of the line of scrimmage decided the game.
"You can't sugarcoat it," Oakland coach Tom Cable said. "When you get your rear end kicked like that it is what it is. You don't sugarcoat that, you don't talk around that. You have to deal with that."
Gradkowski was 24 for 39 for 278 yards, throwing a 13-yard TD pass to Marcel Reece in the second quarter. Miller had 11 catches for 122 yards.
The game was tied at 14 at the half after both teams missed prime scoring chances in the closing minute of the second quarter. The Raiders had the ball at the Houston 29 before Mario Williams beat Langston Walker around the edge and sacked Gradkowski, forcing a fumble that the Texans recovered at their 40 with 32 seconds left.
Schaub moved Houston into scoring range with passes to Dreessen and Foster, but Rackers hit the upright on his 46-yard field goal on the final play of the half.
- Oakland RB Darren McFadden did not return after injuring his right hamstring early in the fourth quarter.
- This is the fifth straight year these teams have played despite being in different divisions, with Houston winning for the fourth time.
- The attendance was the smallest in Oakland since a crowd of 30,738 for the season finale against Buffalo in 1967. It's the smallest in the NFL since Arizona drew 31,650 on Jan. 2, 2005, against Tampa Bay, according to STATS LLC.


text:
Share Photo
With the Padres' minor league complex in Peoria, Ariz., still under renovation, the organization moved its annual fall instructional league to its Dominican Republic complex in Najayo, San Cristobal. More than 50 players were invited to the instructional league this year, with some of the players making their first trip outside of the United States.
/ Padres


text:
Winona, MN (AP) - Authorities have ruled out arson in a fire that destroyed a mosque in downtown Winona earlier this month, though the exact cause of the blaze remains undetermined.
Assistant Winona Fire Chief says they are certain the fire originated between the ceiling and roof of the Winona Islamic center.
While investigators focused on a possible electrical cause, he says no final ruling was made on the fire's cause.
Authorities don't believe arson was involved.
The Sept. 13 fire destroyed two buildings, including the Islamic Center, and heavily damaged a third. No one was hurt.


text:
Off Shoulder Heidi CostumeItem#: la-8985 -- COSTUMES
On Sale: $21.9554% off -
$ 48.00
Product Details
Off shoulder stretch top, lace up satin camisole and ruffled skirt make this a perfect Heidi costume.
Skirt is quite short and will work well with our fluffy tulle petticoat.
Made by Leg Avenue


text:
School of Continuing Education
Group Benefits Associate (GBA) Designation
GBA 1 Employee Benefits: Concepts and Health Care Benefits (CBES Course 1)The first two assignments of GBA 1 set the stage for the study of employee benefits to be pursued in the remainder of GBA 1 and 2 by examining the employee benefit environment, the functional approach to benefit planning, and risk management and insurance techniques in employee benefits. Much of this introductory material encompasses retirement plans, covered in RPA 1 and RPA 2 of the CEBS program, as well.
The coverage of health care benefits begins with a discussion of the environment of health care and health care plans, followed by health plan designs and cost-control techniques. An assignment is devoted to the managed care spectrum as well as one to the health care cost equation. Other assignments cover evaluating and selecting health and managed care plans, maintaining and improving employee health, medical benefits for retirees, and long-term care. Dental plans and specialized benefits—behavioral health, prescription drugs, vision, and hearing care plans—also are covered as is the timely topic of consumer-driven health plans, including health reimbursement accounts and health savings accounts. The course concludes with quality health care purchasing and vendor management, as well as fiduciary liability and ethical responsibility.
Study Materials
GBA 2- Employee Benefits: Design, Administration and Other Welfare Benefits (CEBS Course 2)Following coverage of the various forms of life insurance benefits provided through the employment relationship, GBA 2 examines a wide variety of other welfare benefits including: dependent care and family leave benefits; work/life benefits—such as financial planning, adoption assistance, legal services, and education assistance; and vacation and other time-off benefits. Two assignments deal with the important topic of flexible benefit plans and flexible spending accounts, and the course then covers various functions associated with welfare plans such as administration, funding, communication and taxation. One assignment is devoted to insuring and managing employee disabilities, and another to the timely topic of benefits technology and information management. The course concludes with assignments on workers' compensation and multiemployer plans.
Note: The same text is used in GBA 1—Employee Benefits: Concepts and Health Care Benefits (CEBS Course 1)
GBA 3 Health EconomicsGBA CEBS This is a required course for the GBA designation. It may be used as an elective for the CEBS curriculum.
The course examines health economic issues using various microeconomic tools. The purpose of the course is to provide a theoretical basis for understanding the practical issues in health plan design, management and administration.
The course begins with an introduction on how economic decisions are made. It presents an overview of the health care systems in the United States and other countries and discusses the role of third-party payers and their reimbursement methods. The course examines the determinants of good health in the United States and considers the variables including insurance that affect the demand curve for medical services. Microeconomic principles and concepts show the relationship between medical care cost and firm size and are used to develop a short-run and long-run production theory for medical services. The profit objective of non-health care competitive markets is contrasted with the objectives of some not-for-profit health care markets. The government's role in medical markets and its effect on the allocation of medical resources and output are covered in the course. Finally, the underlying structure and resulting performance of various health care industries is analyzed.
© Copyright
2016 Triton College. All Rights Reserved.


text:
Get Involved
Gift Planning
Gift Planning
Supporting the Zoo Adventure Into the Future
With a little planning, you have the opportunity to ensure that future generations are able to experience the adventure and wonder of the Kansas City Zoo. By including a charitable gift within your overall estate and financial plans, you can provide your support far into the future. It's easier than you might think, and you've come to the right place to learn more. Use this website to learn about the benefits of gift planning–for the Kansas City Zoo and for you.
Plan by Age
Choose your age for personalized gift and estate planning tips.
I'm under age 40.
I'm age 40–54.
I'm age 55–69.
I'm 70 or older.


text:
Skip to Content
Search All Programs & Services
Search by Name, Specialty, Program, or Research
Make a Donation
Make an Appointment
Ask a Question
Refer a Patient
Programs & Services > Preventive Programs
Your confidential screening is FREE. These services are paid for by federally funded grants especially for miners and those exposed to radiation in certain industries at certain times.
Call Today: 1.877.255.5864
The Miners Clinic of Colorado provides nationally recognized medical screening, diagnosis, treatment, pulmonary rehabilitation, education, counseling, and prevention services through two free screening programs:
Black Lung Clinic
Radiation Exposure Screening and Education Program (RESEP) Clinic
Download the Miners Clinic brochure (PDF).
August 4-5, 2016 – Casper, WY
To learn more about our outreach clinics, please call us at 303.270.2609, or toll free at 1.877.255.LUNG (1.877.255.5864).
You are eligible for a free screening through the Black Lung Clinic if you have been a Colorado miner for six months or more.
You are eligible for a free screening through the RESEP Clinic if you live in Colorado, Wyoming, Montana, South Dakota or southeast Utah, and meet the criteria for any of the following categories:
Uranium miner for 1 year (or 40 WLM) before 1972
Uranium mill worker for 1 year before 1972
Uranium ore transporter for 1 year before 1972
A minimum of one year of combined uranium mining, mill work and/or ore transporting
Worked onsite during the testing of a nuclear weapon
Lived in an area downwind of the Nevada Test site
To find out if you are eligible for a free screening or would like more information, please call us at 1.877.255.5864.
The Miners Clinic of Colorado offers in-depth confidential screening for respiratory illnesses and other diseases. Please reference the sections on Black Lung Clinic and RESEP Clinic for detailed information about the services provided by each clinic. Most visits include a physical exam, spirometry (breathing test), chest X-ray, and oximetry (oxygen level in your blood). For many illnesses, early diagnosis and medical care can often make a difference in quality of life and long-term survival.
You will receive a letter explaining the results of your tests.
If you have any abnormal results, one of the Miners Clinic case managers will contact you to assist you in arranging further medical evaluation and treatment with your primary care physician, a local healthcare provider or at National Jewish Health. If you do not have a primary care physician, you can schedule an appointment in our Occupational Lung Disease Clinic by calling 1.877.225.5654.
Our full diagnostic services include:
Breathing test
Lung CT scan
Blood gas with rest and exercise
Pulmonary rehabilitation
Benefits counseling and referral
Respiratory therapy
Treatment plans
Preventive services
Support services
Full cardiopulmonary exercise testing
Methacholine challenge testing for asthma
Diagnostic bronchoscopy
The Miners Clinic of Colorado benefit counselors will also review your results to determine if you may be eligible to file for Federal Black Lung Benefits or radiation exposure benefits.
Your confidential screening at the Miners Clinic of Colorado is FREE. These services are paid for by federally funded grants.
If you need additional diagnostic testing or treatment, those costs will not be covered by Miners Clinic of Colorado. If you do not have insurance and are unable to pay, Miners Clinic staff will help you find the care you need.
The Miners Clinic of Colorado has appointments year-round at National Jewish Health in Denver. We also hold annual outreach clinics in partnership with local hospitals in Craig, Montrose, and Pueblo, Colorado; Page, Arizona and in Casper, Wyoming.
Our physicians are experts in the treatment of respiratory, immune and related diseases.
Find a doctor.
1400 Jackson St Denver, CO 80206 1.877.225.5654 Network of Locations Contact Us
© 2016 National Jewish Health Policies & Guidelines | My National Jewish Health


text:
Hello Troubleshooter,
I got this odd error message after I update the Malware in the computer. The error message states that the Malware bytes were unable to load the Anti-Rootkit Driver. Do you want to continue the scan without anti-rootkit support? Then I try to scan after a short time and after reboot, still I get this error message. Please help. Thanks.
Malwarebytes Anti-Malware
Error: Malwarebytes was unable to load the Anti-Rootkit Driver. Error code:20025
Do you want to continue the scan without anti-rootkit support?
- 6074 reads
- 2 comments
Hello all,
I used to run the update for Malwarebyte regularly without fail. While I am in the process of updating I got stuck up with an error message. So again I tried after some time, thinking some magic will happen but no luck. How will I update my antivirus? Please help me before anything attacks my computer. Thanks.
An error has occurred. Please report this issue to our support team (include the content of all error message(s) and code(s) in your submission).
PROGRAM_ERROR_UPDATING (0, 0, I/O error)
- 476 reads
- 1 comment
Hi folks,
When I try to login into Kayako fusion with Windows Authentication I got stuck with this error message. I got this error message in both the browser Internet explorer and Firefox. How to find the root cause of this error? Do I need to change the settings in web.config. Please help me. Your help is great. Thanks.
0oops! A cross site Request Forgery attempt has been detected; cannot continue with the required action. Invalid department ID specified; select a valid department.
- 737 reads
- 2 comments
I've been using VistaPE for quite some time now. Building and re-building, adding and testing scripts, all for the purpose of running anti-spyware & anti-virus scans on troubled PC's. It's been an invaluable resource.
With this update though, I've been having a lot of errors and configuration issues. I'll provide as much detail as possible but I'm sure there will be questions.
Processing Scripts…
All selected scripts are being processed, Plesase wait until this sequence is completed.Aftar it. concludes this stag you can view more information inside the log tab.
- 376 reads
- 1 comment
Can you please help me? I get the following error message without knowing the cause of this error. Have you any idea to fix this issue? Please help me to fix this issue as soon as possible. Any help would be grateful to you. Thanks in advance.
Malwarebytes' Anti-Malware: mbam.exe - Application error
The instruction at "0x7c902128" referenced memory at "0x010400a4". The memory could not be "written".
Click on OK to terminate the program
- 458 reads
- 1 comment
I need help!! The game ran perfectly before I update AVAST! Antivirus 2010 to 2011...I can run 'Marble Station Launcher' and able to log in my account, but when I start the game, I am getting the 2 error messages: Can anyone help me to fix this issue? Thanks in advance.
Uncharted Waters Online
A fatal error has occurred. Failed to run. Restart windows and try again
- 449 reads
- 1 comment
So yesterday my Computer Restarted when I was on, well I'll be honest here Adult Website. I have installed Avira antivirus and it detected it and displayed the following application error message. I can't understand this error so I need your help to fix this issue. Can I get any proper resolution? Thanks in advance.
Luke Firewalker
Avira Avira Free Antivirus
Avscan.exe-Application Error
The instruction at Oxo38f6d92 referenced memory at 0xffffffff. The memory could not be read.
Click on Ok to terminate the program
- 425 reads
- 1 comment
However, when I clicked the Check for updates, I got this error message now I am trying to resolve this issue but I can't do this without your help. I need your assistance so that I may not face this problem. Please provide a solution with some easy steps. Thanks in advance.
Malwarebytes' Anti-Malware
An error occurred. Please the following error code to the Malwarebytes' Anti Malware support term.
Error code 732(0, 0)
- 344 reads
- 2 comments
I tried to Installing Web Sphere Commerce Developer fix packs with the IBM Installation Manager base on info center http://pic.dhe.ibm.com/infocenter/wchelp/v7r0m0/index.jsp?topic=/com.ibm.commerce.install.doc/tasks/tigimfpdevinstall.htm
I already update my RAD from 7.5.4 to 188.8.131.52 and follow the steps in info center link above. But I got error when updating the fix pack, and I got message error from a log file (updatelog.txt) like this: Any suggestion? Thanks.
IBM Installation Manager
Update Packages
- 405 reads
- 1 comment
After restarting Windows the "umbrella is closed" - the AntiVir Guard and the Firewall don't work. After pressing the "start service" button next to Firewall I get a message that it can't be started. I tried many times to resolve this matter but I can't fix this issue. How can I resolve this issue? Any suggestion would be helpful. Thanks.
- 436 reads
- 2 comments


text:
T5 Long Twin 2G11 Base 40W 120V Rapid Start
T5 Long Twin electronic 4-Pin 2G11 base compact fluorescent lamp. 40 watt rapid start. Dimmable. Minimum startubg temperature 0 degrees F. 82 CRI. 3000K color temperature. Average lamp life 20,000 hours. 22.6 inch length.
About BulbriteBulbrite is ready to meet the challenge of a rapidly changing lighting world. As an industry leader known for our commitment to developing quality merchandise, we are constantly looking for new products and improving existing ones. Our renowned research and development team not only keeps current with the newest trends but also develops new technologies that allow us to debut innovative products.
For over 35 years, we have built a strong foundation and have a proud tradition of bringing quality products to the marketplace. We remain steadfastly committed to providing the best products possible. You can see our commitment in the variety of bulbs we carry, from a standard A bulb to our exclusive krypton and xenon KX-2000® bulbs. We also offer products with the ENERGY STAR® label under our ENERGY WISER® brand. ENERGY STAR® was created to help consumers easily identify products that save energy and money and help protect the environment. The extensive range of our product line allows us to effectively service all markets including residential, commercial, and specialty industries.


text:
Was Delta Right to Favor the Florida Gators?
Delta Air Lines canceled a regional-jet flight from Gainesville, Fla., to Atlanta and used that 50-seat aircraft to fly the University of Florida basketball team to Connecticut for a Monday game. The passengers who watched in anger as the basketball team boarded the aircraft they thought they were flying to Atlanta were greatly inconvenienced, according to the Gainesville Sun. One missed a funeral. Another didn't get out of Gainesville until Monday.
Passengers don't know it, but airlines swap planes all the time when there are mechanical breakdowns. Usually it doesn't happen right in front of you, as was the case in Gainesville. A plane goes out of service, or doesn't come back into service in time, and the airline takes a healthy aircraft that was going to fly someone else and reroutes it to a different flight.
Sometimes the airline is making the switch to inconvenience fewer people–that's often why people look around and think their flight is lightly booked and the airline canceled simply for lack of passengers. And it did, sort of. It canceled the flight with fewest passengers because it had to cancel someone's flight.
Sometimes airlines cancel flights that have the most people who can be easily rerouted. If a mechanical breakdown forces a lot of people to end up in hotels, the airline has to pay. Sometimes the choice of which flight to cancel is influenced more by the schedule later in the day—a plane headed to one city may have important flights after that, and so the airline wants to make sure that's not the trip that gets scrubbed.
In other cases, it may be a revenue issue, a VIP issue or a contract issue. A flight with lots of high-dollar passengers connecting to international flights might get preference. A flight with a member of Congress or other VIP might get favorable treatment when the people inside airline operations control centers decide which flight gets the big red X.
In the Gainesville case, it was a sports charter that got preference over a "regular'' flight. Sports charters are big business for Delta and other airlines. Transporting teams can be more lucrative than transporting regular passengers. And sometimes charter contracts carry penalties for not getting the group where they need to be within a specific time window. Canceling a charter can be very costly to an airline.
Passengers said they were told their flight was being canceled because of a mechanical problem, but apparently it wasn't clear that the grounded airplane wasn't the one sitting in Gainesville. A Delta spokesman told the Sun that the airplane originally meant for the basketball team required maintenance, and so the swap was made "due to operational need and aircraft routing requirements as a result of the busy travel holiday.''


text:
An item in Phantasy Star Online that gives a +# to the end of your weapon's name, increasing it's ATP by 2. Most commonly in Mono-, Di-, or Tri-
Grinders are very hard to find.
作者 Cpt.Bob 2003年10月04日
describing a girl that you would grind your dick into like putting meat into a grinder.
She is such a grinder!
作者 Lance Mitchell 2003年8月08日
A girl who grinds her teeth alone the shaft of a man's penis.
That chick was a grinder, so I gave her a purple mushroom...see purple mushroom for details.
作者 Evan Met 2006年1月12日
After pink socking someone (see pink sock), whip out the sander and grind away at thier rectum.
I will give you a grinder if you dont stop twitching.
作者 Dave ENGLAND 2005年11月03日
a type of boot most often worn by punks, skinheads, goths, and sometimes hippies. they are infinitely superior to dr. martens because they are actually approved as safety footwear and they don't sprout holes in the heels after you've only been wearing them for six months. the price is slightly higher than that of docs but they're worth every penny.
hot pocket: 'omg! look! i have new docs! they're made by nike now so i know they're great!'
subcultural girl: 'it's a good thing you can get mommy to drive you everywhere otherwise you'd need grinders like the other people who walk wear.'
subcultural girl: 'it's a good thing you can get mommy to drive you everywhere otherwise you'd need grinders like the other people who walk wear.'
作者 kitschbunni 2007年9月19日
a person related to a grender, like a brother or a friend. a person who grinds ED
your a grender grinder or a grinder grender. either way your a grinder
作者 stevecham,bers 2004年3月03日


text:
Information about the torrent Le ali della Libertà. Seeders, leechers and torrent status is updated several times per day.
If you want to download the video torrent Le ali della Libertà you will need a torrent client.
Torrent verified by kat.ph.
Sample info: Duration: 04:32:43.04, start: 0.000000, bitrate: 881 kb/s Stream #0.0: Video: mpeg4, yuv420p, 1024x576 [PAR 1:1 DAR 16:9], 25 tbr, 25 tbn, 25 tbc Stream #0.1: Audio: mp3, 44100 Hz, 2 channels, s16, 96 kb/s


text:
rogerfederer.com - Roger enters next round with ease
Navigation with Access Keys
- [Alt + 0] - Startseite
- [Alt + 1] - Navigation
- [Alt + 2] - Inhalt
- [Alt + 3] - Kontakt
- [Alt + 4] - Sitemap
- [Alt + 5] - Suche
Language menu
Roger enters next round with ease
Roger defeated Italy's Andreas Seppi 6-3, 6-3 at the Davidoff Swiss Indoors in Basel today.
"It was a bit tougher than my first match, but I was able to raise my game at a few crucial moments and that was the difference," Roger said after today's victory. "I recuperated and worked a bit to get in shape and can play maybe this season in good health, which wasn't the case last year - especially for the Masters."
He did not have his serve broken today, saving the only two break points Seppi had. Our champ trailed 3-2 in the second set before reeling off the final four games.
Next up, in the quarter final, is the winner of the match between Jeremy Chardy and Evgeny Korolev. Due to the change of the tournament schedule in Basel this is the first year that Roger gets to rest on Thursday. He might attend his favourite's soccer club - FC Basel, just across the road from the tennis venue - Europe League match against CSKA Sofia on the evening of his day off.
I am so happy to be able to watch you this evening. I don't know your opponet, Korolev, but I think you'll make it easy. You should have no major difficulties, but never forget, all player do their best playing you. The same will be today. Yo
i heard about the game it was amazing mich and we hope to keep to stay on form and
much berrer we love u rog and we hope to get the champion for 2010 soon....
allez rogggggggggggggggggggggggggg
All the best against Korolev:D
Good luck in match against Korolev!
I know it been a while... still feels a little strange thou..
But i could not resist seeing you play my favorite atp tournement of the year.
And seeing you play in darkbrown, realy made my day. Just wanted to let you know.


text:
Pawtucket pulled within one when Alex Hassan doubled and later scored in the eighth, but Lehigh Valley held on for a 5-4 win over the PawSox, Sunday before a McCoy Stadium crowd of 3,073.
IronPigs right-hander Jonathan Pettibone earned the win, scattering four hits over five innings with two strikeouts and one walk.
Tommy Layne took the loss for Pawtucket after giving up two runs in the sixth.
Location, ST | website.com


text:
Sometimes a long first name just won't do. If you have a longer last name (three or more syllables), then picking a long first name might not be your top choice. Longer names can sometimes be easily shortened to nicknames but if you're not interested in that option, a cute, hip first name would be your best bet! Another option is to pair a short first name with an equally short last name. It can make for an interesting combo — easy to remember and pleasing to the ear.
Maybe these names are too exotic-sounding for a first name for you — in that case, you might consider them for a fun middle name instead. Many parents-to-be like to use creative and unique names in the middle-name spot — and these would be a great option.
Check out these unique, short, girl's names, along with their meanings!
1. Aina: Of Scandinavian origin and means "forever."
2. Aja: This Hindi name means "goat."
3. Basha: This name means "stranger" and has Polish origins. Same root as the name Barbara.
4. Alia: A Muslim name, this means "exalted."
5. Bren: Variation of Brenda, Brenna and Bryn. It means "sword, raven, little drop of water."
6. Cai: This name means "feminine" and has Vietnamese roots.
7. Drew: Anglo-Saxon name meaning "wise."
8. Eira: A Welsh name, this means "snow."
9. Eris: A name from Greek mythology, Eris is the goddess of discord and destruction.
10. Grace: English name meaning, "grace."
11. Gia: Italian name meaing, "God is gracious."
12. Karis: A Greek name, this means "grace."
13. Liri: A Hebrew name, this means "musical."
14. Lyra: Another version of the Greek name Lyris, this means "lyre."
15. Mina: This name is Dutch meaning "love."
16. Neka: An American Indian name, this means "wild goose."
17. Nila: This name is derived from the river Nile in Egypt.
18. Opal: English name meaning, "jewel."
19. Rose: Of Scottish origin meaning "flower."
20. Sina: Meaning "treasure," this name has Hebrew roots.
21. Stina: Short form of the name Christina.
22. Tia: This Spanish name means "aunt." Another version of this name is Tea.
23. Trea: This name comes from the Latin word tertia, which means "third."
24. Uma: A Hindu name meaning, "bright."
25. Wren: Also the name of a small songbird, this name has Old English roots.
26. Zoe: A Greek name meaning "life" or "alive."
Top 100 baby names of 2011
Cool celebrity baby girl names
Find the perfect baby girl name
And you'll see personalized content just for you whenever you click the My Feed .
SheKnows is making some changes!


text:
If you are looking for affairs, mature sex, sex chat or free sex then you've come to the right page for free Cadiz, Illinois sex dating! Adult Friend Finder is the leading site online for sex dating on the web. If you are visiting or live in Cadiz, Illinois and are dating for sex, we can get you connected with other adult friends fast. be naughty and find sex, as our adult site is the best place you will get it on and find affairs, mature sex, sex chat, free sex and more. AdultFriendFinder.com just happens to be packed with housewives and amateur swingers looking for free swinger hookup sex. As you're probably excited to find a fling and other adult friends, get started today on our get it on site. Sex and dating offerings on this Cadiz, Illinois page help you hook up for hot sex quickly with sexy swingers, singles, housewives, MILFs and sluts in and around Cadiz, Illinois. Hook up today >>
Join Now for FREE to Find Adult Sex Near Cadiz, Illinois
- suzyq501 45/F Cadiz, Illinois, United States honest,truthful and no head games plz
- tappanflasher4u 49/F Cadiz, Illinois, United States sexy bbw,LOVES BIG COCKS..LOVES THE TASTE OF CUM..LOVES TO SUCK AND SWALLOW BIG LOADS
- goincrazyinfl08 42/F Cadiz, Illinois, United States WTF?????????
- ViscountUsagi 21/F Cadiz, Illinois, United States Oh baby, oh baby...
- danielamakeuwet 20/F Cadiz, Illinois, United States hey i just want to meet someone new
- Crimsonangel84 26/F Cadiz, Illinois, United States Hoping to find My future husband
- Celynjasongarret 22/F Cadiz, Illinois, United States Sexy and horny
- Tootsie21477 38/F Cadiz, Illinois, United States Big is beautiful, I dont care what u say!
- tawna31 25/F Cadiz, Illinois, United States looking for first
Additional Illinois Cities and Areas: Men and Women Looking for Sex
- Bridgeport
- Brilliant
- Brookside
- Carrollton
- Clearview
- Deersville
- Dennison
- Dillonvale
- Fairview
- Flushing
- Martins Ferry
- Mingo Junction
- Morristown
- Mount Pleasant
- Neffs
- New Alexandria
- New Athens
- Rayland
- Richmond
- Saint Clairsville


text:
"The biggest drawback of annuities is the way they are taxed. The payouts are taxed in full. This is in spite of the payments being made from the already taxed money. Besides, the returns provided by annuities are miniscule in comparison to any other investment product. There is, thus, almost no case to purchase an annuity today in India. In most cases, annuity rates are lower than bank deposit rates," points out Aditya Apte.
What's more, there is hardly any competition in the annuity space, as the private players have mostly left the job to LIC to sell annuities . Irda has recently made it mandatory for companies selling pension plans to offer annuities, but that hasn't resulted in much action in the annuity space. This is why most financial experts don't recommend pension plans to their clients. They would rather invest money in debt or equity directly or via mutual funds to create the retirement corpus for their clients. This gives them greater freedom to manage the money after retirement of the client.


text:
Not Your Father's Foundation
Young philanthropists have their own ideas about what causes to back -- and they aren't always the ones favored by their families
By Jessi Hempel
Danielle Durchslag, an effervescent 24-year-old who hopes to become a professional photographer, grew up in a family that has a motto of its own: "Nothing will ever be accomplished if all objections must first be overcome." Those are the words of her great-grandfather, Nathan Cummings, founder of Sara Lee (SLE ).
When Cummings died in 1985, he left the bulk of his fortune to seed a foundation in his name. Six years ago, Durchslag inherited a seat on the board of that foundation, which has an endowment worth more than $415 million.
Durchslag is one of a growing number of young people who are inheriting a philanthropic tradition. With a $41 trillion wealth transfer expected as baby boomers begin to retire, families are increasingly choosing to make giving part of the package. More than 20,000 family foundations are currently registered with the IRS.
As Durchslag has learned, there are certain challenges to inheriting a position on a foundation instead of, say, a family business. If you want to get out of a business, you simply sell your stake. But most foundations expect the family to stay involved -- and doing so often becomes a permanent part-time job, one that has to be juggled along with the demands of a career.
And many young philanthropists have their own ideas about what causes they wish to support, which may not be the same ones the foundation has traditionally favored.
Along with a fortune often comes a feeling of isolation and a culture of silence, Durchslag has found. Many inheritors are tight-lipped about family money. "Among the young and wealthy, we often ask each other: 'Are you out?'" Durchslag says.
When she joined the board of the Nathan Cummings Foundation, Durchslag says she felt unsure of where to turn for advice. So she co-founded Grand Street, a support group for philanthropists aged 18 to 28 whose focus is on giving to Jewish organizations.
Growing up in Chicago, her family dinner conversations often revolved around foundation projects. When, at 15, she announced she wanted to attend board meetings, her family welcomed her. She became an associate board member at 18, and when she turns 25 she has the option to assume voting rights as one of 14 full board members -- an opportunity she looks forward to.
Also, along with each interested family member, Durchslag receives a few thousand dollars every year -- pending board approval -- to fund her own causes. Durchslag supports Boston-based Girls LEAP, which teaches inner-city girls about feminism through self-defense.
As a teen, Durchslag's ideas about how to give away money led to conflict with her father. Steve Durchslag has spent a lifetime supporting traditional Jewish causes like his local United Jewish Federation and wanted his daughter to do the same. "That wasn't for me," says Danielle, whose first gift, at 15, was to a group trying to heal relations between African Americans and Jews.
Family relationships were much on her mind when she started to bring together young Jewish philanthropists two years ago. Families sometimes push their progeny to think about how to give, but not why to give.
"It's a deeper question," says Durchslag, explaining the difference between learning the nuts and bolts of grant-making and examining the reasons behind it. It's important to understand why giving matters to both the family and the individual, she says.
Today, through Grand Street, more than two dozen young givers meet to talk about issues ranging from the importance of philanthropy to how to talk to older family members about giving. The discussions are facilitated by a professional donor and an inheritor a few years older.
One of the first to sign on was Scott Belsky, 25, a trustee for the $30 million Kaplan Family Foundation. Belsky and four other family members are largely responsible for distributing some $1.4 million every year. In addition to his job as an analyst for a New York City investment bank, Belsky spends roughly 12 hours a month on foundation work. Another Grand Street member is Rebecca Richards, 29, a New York lawyer who is a trustee for the Tulsa (Okla.)-based Maxine & Jack Zarrow Family Foundation, which has an endowment worth $47 million.
Both Richards and Belsky come from families that encouraged them to speak up about foundation matters, but Richards says Grand Street inspired her to come up with new ideas about how to discuss giving with her family. And it has helped Durchslag introduce programs like the Jewish Orthodox Feminist Alliance, which focuses on helping women participate in Orthodox Jewish life, to her foundation.
"I can talk more confidently -- not just about my thoughts, but about trends among my peers," Durchslag says. This has lent her credibility with her father, who no longer worries that she doesn't support Jewish life. Instead, he turns to her for information about issues affecting young Jews.
Recently, the two planned a seminar for the foundation's board members and employees that included a discussion with a young filmmaker and a performance by a Hasidic reggae band from the eclectic music label, JDub.
With support from Grand Street, Durchslag is finding her own ways to carry on the family tradition.
With Dana Goldstein in New York
Hempel is a staff editor for BusinessWeek in New York
Edited by Patricia O'Connell


text:
The United Nations Development Programme (UNDP) is the UN's global development network, advocating for change and connecting countries to knowledge, experience and resources to help people build a better life. Collaboration between Mauritius and the United Nations System commenced in 1969 with the opening of the UNDP. In Mauritius and the Seychelles UNDP continues to strengthen the capacity of the respective Governments and civil society to achieve continued growth and sustainable development.
22 feb
Celebrating 45 years partnership with Mauritius
UNDP Mauritius celebrated its 45 years of partnership with Mauritius and launched an e-book on that occasion
Seychelles Newsletter
UN Seychelles newsletter published by UN Information Centre (UNIC)
What We Do
Global Vote of the United Nations
Be part of a Global Vote of the United Nations, allowing People to have a direct say in shaping a better world. Results will be shared with world leaders in setting up the next global development agenda. Tell us about the world you want because your voice matters. To vote will only take 2-3 minutes and can be done by clicking here.
Resident Cordinator's Annual Report
2012 Resident Coordinator's Annual Report – Mauritius and Seychelles