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Heartland 'low and slow' data breach not likely at SMBs?
Reporters hear this a lot when it comes to SMB security: The security risks facing small and medium-sized businesses (SMBs) are often identical to those at big companies, only different in scale. The spam and viruses coming through email are as much a plague on SMBs as they are on the big guys. Ditto for worms and bots.
But the malware that surreptitiously burrowed into Heartland Payments Systems Inc. months ago and was just now discovered to have stolen a massive amount of credit and debit card data?
"I don't think that would happen at an SMB," says Rick Caccia, a VP of product marketing at security vendor ArcSight Inc. SMBs see their share of "smash and grab" attacks, where some malware breaks through a firewall and steals a bunch of information or infects a bunch of computers. "It's a big pain for awhile, but then you clean up afterwards."
But the type of "low and slow" attack perpetrated on Heartland, where intruders plant a bit of malware that quietly collects information, wakes up and spits back credit card numbers to some domain, is not a top risk item for SMBs, contends Caccia, who ran the email and security products for SMBs and large companies at Symantec prior to joining ArcSight.
Never say never, says Caccia, but size matters in data breaches. "That's a kind of attack you wouldn't put in a law firm. You're going to get like, 50 credit card numbers." Where's the criminal return on investment? In contrast, Heartland processes more than 100 million credit card transactions per month.
But there is a "low and slow" attack that SMBs do need to worry about, he says.
"The [Heartland] attack is similar to these botnet infections where users go to a bad website and pick up a new bot." Like the low-and-slow attacks, the bots are hard to catch, says Caccia.
"They just don't send much traffic, so the antivirus vendors can't create signatures for them. They sort of lay there quietly, wake up and spit out some spam," he said.
The data breaches most likely to affect SMBs, he contends, bubble up from within, from malicious or ignorant users accessing data they shouldn't.
"Despite the flash, I am not sure all these credit card harvesting [schemes] are actually something they have to worry about," Caccia says.
Do you agree that you don't have to worry about the Heartland-type data breach? Do you go after bots — and if so, how is it part of your SMB security strategy?
Hyper-V update: Yes, it works with Linux
The Hyper-V experiment continues. My three Server 2008 VMs are extremely stable — no crashes at all, nine days continuous running. I made a number of restarts to address various upgrades and all three VMs came back automatically. Am also using a VM to test Windows 7, and no problems there either.
Now addressing how well Hyper-V handles Linux. Ubuntu 7.1 desktop installed with no problems at all, although still working on networking. My Linux skills are pitiful, so I draw no conclusions yet about whether the networking issues are related to Hyper-V or user error. Perhaps I'll have to install the Unix services roll on the base server. Am also installing a more recent version, 8.1, and will probably throw a Linux server up there, too. From a CPU and disk perspective, no problem — this machine still has a gear or two on the upside.
I am running out of memory, however, now that I have 6 VMs on this 8GB machine. The culprit: SQL Server on the base machine. Why did I install that? I've been trying to get System Center Essentials (SCE) on to the base machine and that requires SQL Server. This is a very tangled web Microsoft has woven: you need SQL Server and Windows Server Update Services to run SCE. SQL Server, no big deal; WSUS, something of a project, as it involves Group Policy. So far I haven't gotten SCE to install and may abandon the whole project.
It does point out an interesting conundrum: Hyper-V manager manages memory for VMs. Is it more efficient than the base OS is? In other words, if SQL Server were running in a VM, would it be using as much memory? Sounds like my next experiment.
Shut up and tweet: Finding the business benefits of Twitter
I've succumbed to the call of the "tweet." In the Web 2.0 checklist of the best, I can add Twitter to the short list with the likes of Facebook, LinkedIn and Yammer. And although the novelty still lingers, the whole thing seems like a lot of work. But is this constant connectivity beneficial in the business world?
Many execs are unsure about Twitter (what are the business benefits? Is it too time-consuming? Is it actually effective?). Further, with ROI more important than ever, the inability to measure Twitter's influence and success is unsettling. Without a way to track ROI, how can anyone justify spending time throwing around status updates?
From a companywide perspective, the thought of being in constant contact with your peers and colleagues is attractive – but only if everyone is using it. If it's just you and your five closest work buds in a Yammer social circle, where's the business value in that? Shouldn't this be about connecting with people you wouldn't normally get the chance to share ideas with? But if the entire company connects and shares insight and ideas – well, then we may be on to something.
The Twitter turn-on for me was the spider-web effect. If I can follow a certain number of knowledgeable, credible people in my field (and get them to follow me) I'm exposed to their followers, possibly their followers' followers and so on. So now, rather than just asking my team of co-workers if they know of a CIO with a PMO I can tap for article insight, I can tweet about it. With the right followers (and a little luck), I can find a CIO directly who wants to talk about PMOs. I can find out what people are saying about it, test the waters for interest levels, make connections – all in 140 characters or less. But, again, that's with the right followers, and finding them can be tricky.
For now, I'm embarking on a Twitter trial (a Twial?) to weigh the business benefits. I invite you to follow me and share your thoughts on Twitter (or below): a beneficial trend?
Is a Windows 7 migration inevitable for XP users?
So Windows 7 is out in beta. My colleague Mark Schlack took it for a test drive and wasn't impressed (see Windows 7migration: First thoughts). Yet at some point, if you're still a Windows XP user, you're probably going to have to plan a Windows 7 migration, unless you decide to start now and go for Vista (Win7 won't be out before the end of the year, at the soonest). Windows XP support starts to wane in April, and by 2014 it ends entirely. Gartner recommends you make your switch by 2012.
Now some XP users told our reporter Christina Torode that they're sitting tight (see Windows XP users weigh dwindling support vs. Windows 7 migration). Some expect Microsoft will extend those Windows XP support deadlines due to customer pressure. I've certainly met many more midmarket CIOs who remain with XP than those who have gone through a Vista migration. Very few see anything worth migrating for.
Yet if Microsoft sunsets XP as planned, they'll all have some re-engineering to do. Windows 7 is built on the same kernel as Vista, so if your apps won't work on Vista, you've only bought yourself some time, not a pass on re-engineering. Unless, of course, you are going to explore some Microsoft alternatives.
So XP users, unite: Are you going to clamor for extended support? Plan for a Windows 7 migration now? Start to work in Vista machines as you upgrade your hardware, as one analyst recommends in our article on migration tips? Go Linux? Let's discuss.
Should midmarket companies have one virtualization environment?
A lot of budget-strapped CIOs are going to be telling their systems and storage directors to take another look at consolidation this year. These days, consolidation means virtualization. Only recently, that mainly meant VMware ESX. That is still the weapon of choice for many reasons, but suddenly Microsoft actually has a competitive product.
After a pretty feeble offering with Virtual Server 2005, Microsoft went the hypervisor route and now offers that as a built-in feature (excuse me, a "role") on Server 2008 Enterprise Edition. Make that your base install and you can then put any version of Windows and some versions of Linux in VMs on the same box. I've been playing with it on a quad-core AMD box with 8 gigs of memory and hey, it actually works! Two years ago, Hyper-V vs. ESX was a silly conversation about marketing. Now you can actually start to compare them and make decisions about how to use them.
In my case, I put three guests (a domain controller, a file server and one just idling while I figure out System Center Essentials) on Hyper-V without the box breaking a sweat. More to the point, I didn't break a sweat, either. Even a non-MCSE guy like me could do it. No muss, no fuss. If you have admins who can install and configure Windows Server, they can work this.
There are a lot of holes in the Hyper-V story. As of 2009, it's not going to get you close to a fully dynamic data center. You can't move VMs around willy-nilly. There aren't the same kind of admin tools for DR or test/dev labs or many other of the niceties that VMware and many third parties now have.
Pricewise, it might not be that big a bargain, either. Enterprise Edition can run you as much as $3,999, which isn't very different than buying VMware VI3 and one copy of Server 2008 Standard. The devil will be in the details of your volume purchase agreements as far as that goes – depending on the support agreements, VMware could actually cost less. Eric Seibert on Server Virtualization Blog recently remarked that the many differences between the products makes comparing them, especially from a cost point of view, an apples-to-carrots comparison.
As for performance, I haven't seen any face-offs yet between Hyper-V and Server 2008. But if you're trying to quickly collapse a lot of low-effort servers, maybe you don't care about the ultimate in benchmark scores.
So it comes back to what it often does when choosing between Windows and something else: familiarity, integration and ease of use. In midmarket companies, you can't always afford overspecialized IT staff. Maybe you don't have budget or headcount for VMware specialists. Maybe you'd rather use your existing ESX licenses for more hard-core uses like email and ERP. Maybe you want to use similar tools to manage your physical and virtual servers.
The point is, CIOs will want to take a close look at the tradeoff between having one virtual environment (whether that's Microsoft or VMware) or tiering their virtual environments. And finally, they have a reason to do that.
Vendor gifts: Holiday cheer or ethical dilemma?
Twas the night before deadline and all through the office,
we worked with our heads down, appeasing our bosses.
But what to my weary eyes should appear?
The USPS delivery, bringing vendor-purchased cheer!
Brown, unmarked boxes of who knows what,
Cookies? Chocolates? Kitsch that is haute?
'Tis the season! The lights, the cheer and, for some, the vendor gifts.
In the name of the holidays, vendors will often promote goodwill (future sales?) by giving gifts to employees they have worked with. Although thoughtful, some gifts can raise ethical and moral issues. For example, an extravagant gift could make the recipient feel a sense of obligation. You certainly don't want gifts hampering employee objectivity when making purchasing decisions or recommending products or services to clients and users. You have an obligation to consider your company's – not your own — best interests (as well as those of consumers or people looking to you for advice).
Most companies have strict human resource policies about what is considered a gift, what dollar amount needs to be reported to the company, what needs to be sent back (What, no spa weekend?!), etc. For some industries (such as health care) the giving and receiving of gifts can raise certain implications concerning the appropriateness of medical treatments given to patients and at what point the gift starts looking like a bribe.
So, how do you differentiate between a possible bribe and a simple thank you? Use common sense, read up on your company's policy and if you find yourself in a gray area, it's always best to check with your HR department.
With that said, you may not even really want what your vendor is sending you. Here are some examples of vendor gifts my colleagues have received and kept over the years (whether they wanted to or not):
- A large, corned beef-style chunk of buffalo.
- Electric ice cubes (sounded dangerous to me, although she swears by 'em).
- A bottle of chocolate wine (yes, it was alcoholic).
- Mr. Potato Head.
- A box of mixed nuts doubling as a business card holder.
- A red velvet blanket teamed with Godiva hot chocolate (?).
- A bottle of whiskey. Period.
- A gift card for either a facial or a body wax at a local spa (No further comment necessary).
- Steaks. Packed in ice.
Feel free to send along any strange, interesting, bizarre and random vendor gifts you've received (or sent).
Share the gift of laughter
IT budgets should include agility and innovation in light of recession
We're almost at the end of 2008.
It's been a year of cutbacks, layoffs, crashes and downturns. We've started using the word recession and are planning 2009 budgets accordingly. So, what happens next year? Forrester Research recommends investing in agility and innovation to accelerate out of the downturn, in a recent CIO-geared webinar presented by Forrester principal analyst, Bobby Cameron.
While interacting with IT executives on budgets and planning, Forrester found that 21% expected their budgets to either grow or stay the same in 2009. But most are anticipating a stagnant or cut budget and have moved into one of three planning scenarios: cutting, anticipating cutting or keeping their options open.
Although Forrester found that most companies are focusing on traditional cost-cutting tactics (such as using low-cost resources, eliminating large-sized efforts and focusing on short-term returns), it has seen some firms choose an alternate path — investing what they can into agility and innovation.
Why? Agile companies (those that can rapidly shift suppliers, trading partners or markets) are more likely to navigate through failing firms and slow economies. Companies investing in innovation will look for new business models and product/service offerings (alongside operational improvements) instead of just hunkering down.
When investing in agility, Forrester says, companies should focus on flexibility. For IT, that means applying SOA and creating flexible external interfaces to data and systems so that companies can more easily shift or change contractors, suppliers or partners. Innovation investments, such as utilizing Web 2.0 technologies to establish and spread ideas, can positively affect core business strategies by engaging internal and external sources in meaningful dialogue – without over-extending budgets.
There is no all-encompassing recipe for success, and Forrester recommends addressing the downturn based on current situations and industry:
- Those already cutting budgets should execute on those plans to cut, while preparing to make deeper cuts if things don't turn around. They should also consider investments in agility and innovation, but only if there is enough breathing room.
- Companies anticipating cuts should invest in agility and innovation, keeping the commitments small and the returns short-term.
- And those companies keeping their options open should pursue agility and innovation aggressively to maintain company health and leadership.
Keep your heads up – most pundits are expecting a leveling of the economy by the end of 2009. Are you ready for another 12 months?
Recent FBI vishing scam warning an old issue
Last Friday, the FBI issued a warning about a security vulnerability that could be used by cybercriminals to make vishing telephone scams.
Vishing (combining phishing and voice) uses Voice over IP (VoIP) features to gain access to company information. In this case, the flaw was found in a free and widely used open source toolkit – Asterisk.
According to a posting on the Internet Crime Complaint Center, hackers who gain access and exploit the Asterisk flaw can potentially auto-dial thousands of people in an hour.
Security risk news spreads like wildfire and the FBI vishing warning was no exception — bloggers everywhere began weighing in. It was quickly learned, however, that the security scuttlebutt was actually an old issue.
According to a Digium blog post, the bug was originally found in March (AST-2008-03, a SIP guest permissions problem) and was patched for 1.2 and 1.4 versions of the software (1.6 releases were not vulnerable). The bug did not allow the arbitrary setting of caller ID and would work in only a limited set of circumstances.
It sounds quite similar to the telephone scams already known, no VoIP hacking necessary! The Federal Communications Commission already warns us about everything from the Mexico Collect Call Scam to the 90# Telephone scam.
Just another reminder to keep your information safe by making your passwords safer … and do your homework before going off on new exploits.
Bank of America rolls out new secure online banking tool
Bank of America has introduced a new security feature for customers – the SafePass Card. Adding more protection to transactions, the SafePass Card is Bank of America's next layer of secure online banking.
Smartphones are being used as digital wallets, mobile online banking is occurring more frequently and Wi-Fi access points are turning into cybercrime hotbeds. The Georgia Tech Information Security Center's Emerging Cyber Threats Report for 2009 cited malware, botnets, cyberwarfare and threats to VoIP and mobile devices as the top security threats to be aware of – all of which aim to steal your data.
It's no wonder one of our largest banks is looking to provide more online peace of mind. With keystroke loggers infesting email, IM and (the recently popularized) infected links on social networking sites, cybercriminals can steal your two-step login information and gain access to your account. For customers wanting added protection, the SafePass Card generates a six-digit, one-time pass code, necessary to complete online transactions. Customers can either receive the pass code via text message or by purchasing a wallet-sized card ($19.95) that generates the code (think chip and pin meets Magic 8 Ball)
And who wouldn't want more secure online banking? Malicious programs are on the rise and many companies are not prepared for them. Naspera Networks recently issued the results of a corporate network security survey. Two hundred small and medium-sized enterprises answered a series of questions probing them on network security and potential threats. According to the results, most companies surveyed were not as secure as they could be (or wanted to be). What were the networks' weakest links? Respondents cited as the primary offenders computers not kept up to date, Wi-Fi security and encryption practices, unknown threats from mobile workers and laptops, an increased need to provide guest access and an overall lack of policy governing endpoint security.
The SafePass is a step in the right direction. Just don't lose the card … or your mobile phone.
Protect that Facebook profile: The risks of social networking sites
Facebook is keeping people linked together both personally and professionally. Knowing that, it's important to keep an eye on the security of your accounts on social networking sites — and the integrity of your online persona.
Facebook won an $873 million judgment against Adam Guerbuez of Montreal, after suing him for spamming Facebook users with sexually explicit messages. Guerbuez hacked into member profiles using phishing tricks to get users to give up their login details. Once in, Guerbuez used the compromised profiles to send out mass messages (4 million) to friends of friends.
My first thought when I heard about this: What if my account had been compromised and, as a result, my boss (and Facebook friend) received messages from my account touting male enhancement pills? That would certainly not be cool, Guerbuez. No poke for you.
One may ask why I would be Facebook friends with my boss — Facebook, the sacred, secret window into my personal life, littered with an assortment of pictures, wall posts and (dare I say it) "bumper stickers?" I keep it clean on my Facebook profile and usually follow the "don't friend me, I'll friend you" credo. I have noticed more and more people opting to have two Facebook accounts (although Facebook expressly forbids multiple profiles) – a personal one and a professional one. I have considered this myself but then thought, don't I have a LinkedIn account for that? Furthermore, if someone searches for someone and finds two Facebook profiles (one with a Sears-style profile picture and one including a tequila shot-athon — both pictures clearly of that person) it may look a bit sketchy. Or smart?
Today, it's especially important to keep it clean on Facebook – 22% of hiring managers check social networking sites before hiring someone. This number has doubled since 2006 and will continue to increase as an additional 9% of hiring managers plan on screening applicants online in the future. On top of that, 34% of the managers who screen have dropped candidates from their lists based on what was found in their profiles.


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Get a FREE ASSESSMENT right now. It only takes a minute…
Your privacy and security are important.
Founded in 1998, Francis & Mailman, P.C. is a law firm that concentrates in consumer protection litigation.
As a law firm, the information you submit to us is protected and will be treated as strictly confidential.
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subset: commoncrawl


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People like to research prices before they make a big purchase - and that goes for everything from cars to surgery. At least, that's what Democratic Assemblymember Roger Hernandez says. He says his bill would create a website that lists costs of medical procedures, so that consumers can find the best deal.
"It's important for consumers to be equipped with the information that will give them the power to question billing practices, to question a procedure that they feel they're being overcharged for, and thus maybe the insurance company is being overcharged for," Hernandez says.
The website would display the amount charged for a healthcare service, and how much was actually paid. Insurance Commissioner Dave Jones supports the idea of an online database.
"When you think about it, for every other good or service that we purchase, you can see a price list, but not medical services. And the prices vary all over the place. Even from the same medical provider," Jones says.
Jones says there may be legal impediments to making more health pricing information publically available.
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Several Sacramento area hospitals appear on a recent Consumer Reports list of U.S. hospitals with low cesarean section births. Medical experts attribute a rise in the maternal mortality rate partly to an increase in C-sections.
Lawmakers Urge Rejection Of California Immigrant Health PushWednesday, June 29, 2016
(AP) — Congressional Republicans from California are urging President Barack Obama's administration to reject the state's request to sell insurance policies to undocumented people through its health insurance exchange.
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More California Counties Expanding Non-Emergency Care to UndocumentedMonday, May 23, 2016
Beginning Monday, 35 rural counties will provide primary care to undocumented immigrants.


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From shopping to sightseeing to conducting business, The Westin Baltimore Washington Airport-BWI makes it easy. We are located in the lovely Baltimore Gateway Community, minutes from downtown Baltimore and the Inner Harbor and a quick drive from Oriole Park at Camden Yards, the National Aquarium in Baltimore, the Baltimore Zoo, the Arundel Mills Mall, plus nearby Annapolis and Washington DC. Jump onto Interstates 195 or 295, or request a complimentary shuttle to the Amtrak Station or Baltimore Light Rail, arriving every 30 minutes and making 32 stops within Baltimore's shopping, sightseeing, and entertainment districts. For business travelers, The Westin Baltimore Washington Airport-BWI is conveniently situated near the Baltimore Convention Center as well as several local corporations and government offices such as the National Security Administration and Northrop Grumman.
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About This Activity
In this hands-on workshop, you'll learn how to use scenarios and data tables to quickly perform multiple what-if analyses. You'll discover a variety of advanced pivot table techniques, like creating calculated fields and calculated items. You'll become adept at consolidating and importing data, and you'll master the art of conditional formatting to highlight duplicate entries and other common worksheet problems. Completion of Intermediate MS Excel 2003 or equivalent experience is required.
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Libya's 'Precarious' Transition AheadRobert Danin interviewed by Bernard Gwertzman
As rebels try to strengthen their hold on Tripoli, the odds of a peaceful, democratic transfer of power in Libya are long and the need for...
Speaker: Robert Danin, Senior Fellow for Middle East Studies, CFR
March 11, 2011
Terms of Use: I understand that I may access this audio and/or video file solely for my personal use. Any other use of the file and its content, including display, distribution, reproduction, or alteration in any form for any purpose, whether commercial, noncommercial, educational, or promotional, is expressly prohibited without the written permission of the copyright owner, the Council on Foreign Relations. For more information, write email@example.com.
Kurlantzick offers the sharpest analysis yet of what state capitalism's emergence means for democratic politics around the world. More
In a cogent analysis of why the United States is losing ground as a world power, Blackwill and Harris explore the statecraft of geoeconomics. More
Takeyh and Simon reframe the legacy of U.S. involvement in the Arab world from 1945 to 1991 and shed new light on the makings of the contemporary Middle East. More
The Task Force recommends revising U.S. policy toward North Korea to break the cycle of North Korean provocation and promote stability in Northeast Asia.
India now matters to U.S. interests in virtually every dimension. This Independent Task Force report assesses the current situation in India and the U.S.-India relationship, and suggests a new model for partnership with a rising India.
Rates of heart disease, cancer, diabetes, and other noncommunicable diseases (NCDs) in low- and middle-income countries are increasing faster than in wealthier countries. The report outlines a plan for collective action on this growing epidemic.
This report asserts that elevating and prioritizing the U.S.-Canada-Mexico relationship offers the best opportunity for strengthening the United States and its place in the world.
To ensure the success of Myanmar's historic democratic transition, the United States should revise its outdated and counterproductive sanctions policy.
Blackwill and Campbell analyze the rise of Chinese President Xi Jinping and call for a new American grand strategy for Asia.
Williams argues that greater U.S. involvement is necessary to enhance the quality and success of peacekeeping missions.
Learn more about CFR's mission and its work over the past year in the 2015 Annual Report. The Annual Report spotlights new initiatives, high-profile events, and authoritative scholarship from CFR experts, and includes a message from CFR President Richard N. Haass.
Read and download »
As rebels try to strengthen their hold on Tripoli, the odds of a peaceful, democratic transfer of power in Libya are long and the need for...
With the United States now militarily engaged in Libya and U.S. allies seemingly at odds over goals, it is imperative that President Obama...
A close call. It is tempting to view the chaos in Libya today as yet one more demonstration of the futility of U.S.-led military...
Ever since an international coalition led by NATO forces helped topple the regime of Muammar al-Qaddafi in 2011, governance there has been in...


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Maple Leaf Articles
Canadian movie and TV stars, musicians, Canadian films, movies filmed in Canada, and coverage of Canadian premieres and celebrities
Gwyneth's celebrity sale 2016
Jon Kopaloff/ George Pimentel/ Getty Images
Gwyneth Paltrow was in Toronto yesterday at Holt Renfrew promoting her beauty line. Sasha was there and talked to her for etalk and afterwards her first email to me was, "omg omg omg I have to tell you everything". Full Story
Celine's Parisian farewell
FameFlynet, KCS Presse/ Splash News
There are farewells… and then there are Celine Dion farewells. Celine in Paris has become the best part of our dark days, non? On Saturday Celine was seen in Paris filming what's presumably a new video in jeans and a long jacket. Full Story
Gwyneth & Brad in Canada
My inbox has been steady today with Canadians messaging me about Gwyneth Paltrow because she Instagrammed that she's in Fogo: Dinner spot #heaven #newfoundland #fogo Full Story
Return of 'Celebrity' Baby Names?
On the weekend, Liv Tyler announced the birth of her baby girl Lula Rose. Once upon a time that might have been offbeat enough to be memorable—like eleven years ago when she named her son the then-unusual Milo. Full Story
Celine's heart will go on
KCS Presse/ Splash News
See? You see how generous she is? I have been waiting all day for Celine Dion to step out of her hotel in Paris to give us something, something we can share, something we can group hug about. I begged for it in the open. Full Story
Ryan Reynolds after #Taymerica
BSR AGENCY/ Splash News
Ryan Reynolds is in Amsterdam working on a new movie called The Hitman's Bodyguard. This is the first we've seen of him since we saw him at #Taymerica, sitting in the middle of a coordinated couple three-way. Full Story
Pope Celine
KCS Presse/ Splash News, AKM-GSI
I have a problem. It's a serious problem. My problem is this: Mimi is my JOY. My Butterfly JOY. But…lately? Celine Dion is the JOY. Celine in Paris has been the Miracle Joy. Full Story
Rachel McAdams has a boyfriend
Last month I posted about Rachel McAdams at a wedding with screenwriter Jamie Linden after a reader called Anna mentioned that she was wondering if Jamie could have been the person mistaken for Taylor Kitsch when Rachel was spotted by fans in Paris in May Full Story
Celine: the new style (and stylist)
FameFlynet, Pierre Suu/ Bertrand Rindoff Petroff/ Marc Piasecki/ Jacopo Raule/ Pascal Le Segretain/ Getty Images
Celine Dion's been performing in Paris the last couple of weeks. And giving us a lot of style porn, as I've highlighted several times here Full Story
Rihanna & Drake in London
Gotcha Images/ Splash News
About a month ago, Rihanna and Leonardo DiCaprio walked out of a club in New York on the same night resulting in speculation about whether or not there was something there. Full Story
Dear Gossips,
There were nights when the wind was so cold… When Celine Dion tells me that the wind is so cold, I believe that she believes that the wind has never been colder. Because Celine is the gatekeeper of all feelings. Read Full Intro


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diesel price
Mar 22, 2016
#Explained: If crude prices are at 2004 levels, why are we paying double the price for petrol, diesel?
Feb 29, 2016
Fuel bill: Petrol price cut by Rs 3.02/litre; diesel goes up by Rs 1.47/litre
Jan 16, 2015
No petrol price cut yet: Pricing decision not in our hands, says Oil Minister
Jul 31, 2014
Petrol prices cut by Rs 1.09 per litre, diesel price hiked by 56 paise per litre
Jan 31, 2014
Diesel price hiked by 50 paise; non-domestic LPG cut by Rs 107
Sep 11, 2013
Political pressure? Diesel unlikely to be hiked by Rs 5/litre
Aug 16, 2013
10 things you need to know before the opening bell
Jul 01, 2013
Diesel price hiked by 50 paise per litre from midnight
Jun 29, 2013
Rupee fall hurts aam aadmi :Petrol hiked by a steep Rs 1.82/litre
May 21, 2013
GM India to hike prices of all its vehicles by up to Rs 10,000


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Alla Efimova
Chief Curator, Interim Director, The Judah L. Magnes Museum, and Executive Director, The Magnes Collection (2004-2014)
Alla Efimova, PhD, is a curator and art historian with a particular interest in the visual culture of modern Jewry.
Francesco Spagnolo
Francesco Spagnolo, a multidisciplinary scholar focusing on Jewish studies, music and digital media, is the Curator of The Magnes Collection of Jewish Art and Life and an Associate Adjunct Professor in the Department of Music at the University of California, Berkeley, as well as a host for the cultural programs of Italian National Radio (RAI) in Rome. At UC Berkeley, he is also an affiliated faculty with the Berkeley Center for Jewish Studies and the Berkeley Center for the Study of Religion, and serves on the Digital Humanities Council.
Norman Coliver (1918-2016)
Trustee of the Judah L. Magnes Museum
Norman Coliver was born in Baltimore in 1918 and died in San Francisco in 2016.
Zach Bleemer, Graduate Research Assistant (2016)
Zach Bleemer is a data scientist and microeconomist studying aesthetics and young person decision-making at UC Berkeley,
Alan Elbaum, Graduate Research Assistant (2016)
Alan is a first-year medical student at the UC Berkeley-UCSF Joint Medical Program.
Lily Greenberg Call, Undergraduate Research Apprentice (2016)
Lily Greenberg Call is a first year student and intended political science major.
Aiko Aleena Gonzalez, Undergraduate Research Apprentice (2016)
Clayton Hale, Undergraduate Research Apprentice (2016)
Clayton Hale is a third year transfer at UC Berkeley from Sacramento, California, majoring in history with a concentration on American History.
Sarah Klein, Undergraduate Research Apprentice (2015-2016)
Sarah Klein is an Undergraduate Research Apprentice at the Magnes Collection of Jewish Art and Life.
Agnes Shin, Undergraduate Research Apprentice (Fall 2015-Spring 2016)
Agnes is a third year at UC Berkeley majoring in history with a field of concentration in 20th century gender history.


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United Phosphorus Ltd Stock Quotes and Charts
Source:Citigroup Global Markets-Equity Research

Price (10 Dec 07) Rs344.10
Target price Rs460.00
Expected share price return 33.7%
Expected dividend yield 0.3%
Expected total return34.0%
Market Cap Rs64,532M
US$1,641M

Valuation:The generics crop protection segment is likely to witness healthy growth, with leading companies such as UPL expected to be among the key beneficiaries. We therefore believe that P/E vs. earnings CAGR or EV/EBIDTA vs. EBIDTA CAGR is the correct metrics to value companies such as UPL. Our target price is based on 16x P/E, which is within its trading range of 9-21x since January 2004, when the stock got re-listed post the reverse merger with its subsidiary (Search Chem). Our price target of Rs460/share is based on 16x FY09E (16x Sept08E earlier) earnings. We believe that FY09 estimates reflect the true earnings power of UPL, especially in the acquired Cerexagri business, asmargins scale up to sustainable levels on the back of the restructuring efforts being undertaken by the company.
Risks: We rate UPL Low Risk according to our quantitative risk-rating system. The main downside risks to our target price and estimates include: (1) Cut in farm subsidies in regulated markets&&; (2) Inability to effectively integrate one of its acquisitions - slower than expected ramp up in Cerexagri's profitability&&; (3) shift in acreage to corn (8-9% of US sales) from cotton (15-18% of US sales), provided this cannot be made up by higher supplies to other parts of the world (4) Poor monsoons in India.
Buy United Phos. only in the region 174-176 with a stop loss below 169 for an intra-day target of 187.
how do you think United Phos share will move in the next 6 months
UNITED PHOS

Last close 170.45

Wise people are continuous buyers in this stock … fireworks starting today in this stock will take it to Rs.176 which is a minor hurdle … Crossover with volumes will take stock to Rs.181 …. Soon stock will cross the Rs.200 mark ….!!! Stoploss Rs.166. Just do not miss this one …!!!
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Home > Sunglasses > Swarovski > SK0114 (52F)
New Releases
Size and availability
Free outbound and return shipping
30-day money-back guarantee
Low prices
Free outbound and return shipping
30-day money-back guarantee
Low prices
SK0114/52F Ophthalmic Glasses
SK0114 is a fashion statement, for which sunshine is not necessarily required, because these sunglasses enhance your natural radiance turning night into day. The new Swarovski underlines that you are a trendsetter. For the current season the renowned label sets the standards with its collection for 2016. Would another colour not be a better match for your favourite outfit? Check also the other styles of SK0114in our 2015, and 2016 Swarovski range.
Expressive lines add character to the classical approach, making the glasses a must-have for women. Full rim frames completely enclose the lenses within the frame. For a convinced eyeglass wearer, any other frame style is ruled out, with very few exceptions. The square shape gives round faces a concise form and makes them appear more striking. It sets a highlight in the appearance, drawing attention to itself. Plastic frames like these combine durability and are comfortable to wear. The SK0114 is a very snug fit on the ears and nose. Brown is currently a trend colour and also an absolute timeless classic. The colour provides a nice contrast ratio between the skin and the colour of the eyeglass frame. Thus, the transition from eyeglasses to the face is harmonious and unobtrusive. Brown is the dominant colour for sunglass lenses. They radiate warmth and look very soft. You can rely on the guaranteed UV400 protection, for all the sunglasses in our shop.
The model has already been ordered and will shortly be back in stock. If you order now, you will get the reduced price and once the goods arrive, we will send you your new Swarovski on the same day. And because Edel-Optics is a paradise for bargain hunters, you can get this top model at an incredibly low price. What is labelled as "in the sale" at other online shops, is for us "all-day-everyday" prices.
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September 27, 2016 | 2:30 pm MDT - 4:30 pm MDT
12480 Pebble Hills, El Paso, TX 79938
The free seminar is in coordination with SBA Resource Partners.
Learn about the various business development programs available that can assist small businesses in obtaining federal ...
Registration Required
September 27, 2016 | 3:00 pm CDT - 5:00 pm CDT
12345 College Blvd., Overland Park, KS 66210
This course is for the small business owner wanting to learn
how to protect their business name, logo, content and
creative works. Focus is on protecting trademarks and
copyrights while avoiding ...
September 27, 2016 | 3:00 pm EDT - 5:00 pm EDT
102 W. Pennsylvania Avenue, Towson, MD 21204
Presented by the MD Capital Enterprises' Women's Business Center.
September 27, 2016 | 3:00 pm PDT - 5:00 pm PDT
1951 Stella Lake Street #26, Las Vegas, NV 89106
Starting a business is a process. There are many steps involved to ensure your success. Come join us to learn about what is needed to start a business, what responsibilities do you have as a business ...
September 27, 2016 | 4:00 pm EDT - 6:00 pm EDT
4926 Onondaga Road, Syracuse, NY 13215
Of all the choices you make when starting a business, one of the most important is the legal structure you select for your company.
An experienced attorney & accountant will host a discussion on a ...
September 27, 2016 | 5:00 pm CDT - 8:00 pm CDT
227 E Main St, , Suite 200, Mankato, MN 56001
Running a successful business requires careful recording of income and expenses. However, most small business owners do not have formal accounting training. QuickBooks, the world's most popular ...
September 27, 2016 | 5:30 pm EDT - 9:30 pm EDT
5823 Trammell Road, Arbor Hall, Morrow, GA 30260
If you can dream it, we can help! Owning your own business is the American dream, but building it to withstand the test of time takes a unique set of tools—and a lot of hard work. StartSmart™ ...
September 27, 2016 | 5:30 pm CDT - 7:30 pm CDT
106 West O Street, Russellville, AR 72801
The Arkansas Tech Small Business and Technology Development Center presents a four-week Business Development Series course from 5:30 to 7:30 p.m. on Tuesdays starting on September 13 at the ...
September 27, 2016 | 5:30 pm PDT - 7:00 pm PDT
1437 S. Jackson St., Seattle, WA 98144
The Business Model Canvas is a strategic, visual, organizational tool that can be used to develop a new business model or document an existing one. And its innovative, visual approach gives ...
September 27, 2016 | 5:30 pm EDT - 7:30 pm EDT
17 Market Sq., South Paris, ME
Aspiring Entrepreneurs and existing business owners are encouraged to sign up early for Community Concepts Finance Corporations' Quick-Start Business Development series. This annual program is a 6 ...
U.S. Small Business Administration, 409 3rd St, SW. Washington DC 20416.


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Early Music Now program blends Slavic, folk, sacred sounds
Contrasts don't need to be stark to be powerful.
St. Paul, Minn.-based Rose Ensemble, presented by Early Music Now at the Basilica of St. Josaphat on Saturday evening, gave a sumptuous performance of subtle contrasts. The ensemble blended sacred and folk sounds as well as varied vocal timbres, along with Slavic languages and Latin. »Read Full Article
MSO chorus director arrested in undercover park-sex sting
The Milwaukee Symphony Orchestra's chorus director was arrested Monday on accusations of lewd behavior in Grant Park.
Lee E. Erickson, 58, of South Milwaukee followed an undercover Milwaukee County sheriff's deputy into a bathroom at Grant Park along Milwaukee's lakefront, exposed himself and began masturbating in front of the officer, according to the sheriff's department. »Read Full Article
Chicago chef Charlie Trotter dies at 54
Journal Sentinel files »Read Full Blog Post(3)
'Before I Die' wall installed at Sky High
Death has a way of clarifying life, or so say great philosophers and New Orleans artist Candy Chang. It has a way of making us examine the kind of person we want to be, the life we want to live, the people who are important to us.
On Tuesday, people in the Bay View neighborhood were confronted by the finiteness of their lives as a result of one of Chang's projects. A wall that reads "Before I die I want to..." and has little buckets of colored chalk so people can fill in the blanks was installed at the Sky High Skateboard Shop and Gallery, 2501 S. Howell Ave., and in cities across the U.S. on Tuesday. »Read Full Blog Post(2)
On Tap Today: Amos Lee at the Riverside Theater
Singer-songwriter Amos Lee performs at the Riverside Theater, and on RadioMilwaukee, Tuesday. Getty Images photo by Andrew H. Walker. »Read Full Blog Post


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ACM presents: Revisiting Our Black Mosaic Symposium, hosted by the Woodrow Wilson Center
Smithsonian Anacostia Community Museum (ACM)
Friday, September 19, 2014 from 8:30 AM to 4:30 PM (EDT)
In partnership with the Woodrow Wilson International Center for Scholars, the Smithsonian Anacostia Community Museum hosts a full day of discussions on race, immigration, gentrification, education, museums, and community in the Washington D.C. metro area, organized by Dr. Ariana A. Curtis.
The program references the museum's 1994 landmark exhibition Black Mosaic, a multicultural, multilingual exhibition which examined race, nationality, and ethnicity of black immigrants in the Washington, DC, metropolitan area.
20 years have passed since the Black Mosaic exhibition, and in that time both the local and national contexts have changed. Formerly predominately "Black" cities, like Washington, D.C., are changing in demographic composition. Immigration is a hotly debated national issue. Latinos have come to outnumber African-Americans as the largest minority in the United States. Native-born Black populations are declining while African immigrant populations have hit an all-time high.
Join us for a full day of discussions about our Washington, D.C. metropolitan community!
Special Thanks to Our Sponsors
Smithsonian Anacostia Community Museum
Woodrow Wilson International Center for Scholars
The Latino Initiatives Pool, a federal fund administered by the Smithsonian Latino Center
Smithsonian National Museum of African American History and Culture
The mission of the Anacostia Community Museum (ACM) is to: challenge perceptions, broaden perspectives, generate new knowledge, and deepen understanding about the ever-changing concepts and realities of 'community.'
We believe that active citizen participation in the documentation and use of cultural and historic assets is a powerful instrument in creating and maintaining a sense of community and civic responsibility.
The museum's work is achieved through development of museum collections, engaging exhibitions, research and documentation that examine the development of communities, and through diverse community and educational programming.
Join millions of people on Eventbrite.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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"This was a great addition to our baptism favors. We put them on the back of acrylic frames and they were a BIG hit with our guests."
"I used these on the Valentine's my daughter took to school for her friends. They were great. I sealed all her little gift bags with the sticker. It made things so easy and adorable. They are darling!"
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"Stickers are super cute! I've been using Tiny Prints for many years now and they never disappoint. I got it super quick and even a Thank you card from Troy. :)"
Copyright © 2004-2016 Shutterfly, Inc | Tiny Prints | Terms of Use. Designated trademarks and brands are the property of their respective owners.


text: Tin Roof Rusted 1 12/2/2009 2:14 AM PST BY TMZ STAFF The 52-year-old resurfaced at some event recently, looking pristine.Cindy's late brother Ricky Wilson was also a founding member of The B-52's.In 1981, Cindy appeared in one episode of the Lee Majors TV series "The Fall Guy" as "Secretary." See Also Kate Pierson of The B-52's: 'Memba Her?!


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Editor's Note: Sadly, I've fallen off the "blogging bandwagon" and can barely keep up with my television addiction to find enough creative time to spend here, within the pages of my beloved Authentic Life.
It's not that I don't miss you, my gentle readers, but since our youngest has graduated from high school, and is on his way to discovering new horizons, I have found more time on my hands than I know with which to do.
I spend much time walking Rocco, feeding Rocco, playing ball with Rocco, and in general jumping through any hoop Rocco demands. Other than that, which consumes my day, my lack of posts and general creative prowess lies solely upon my own shoulders. Honestly, the daily blogging break has proven a good thing. I needed to clear my head. Totally unwind, be bound by nothing.
This post was scribed many weeks ago, and only tonight, while at dinner with some girlfriends, when a friend mentioned the blog – this blog – I thought, I better dust off my keyboard, and wipe away the cobwebs in my brain and get back to what makes me feel complete. And accomplished. Even if it's a tiny, insignificant blog post amidst the massive world of Internet greatness, this post is my contribution to summer and Yellowstone Park – two of my favorite things.
It's good to reconnect. I hope to more often – and hope is a wonderful thing…
Yesterday, we took our inaugural trip to Yellowstone Park.
It was a bee-a-uu-tiful day – and one that prove, summer has arrived.
This was also a first – Rocco's first time in the park. He loved it (car rides make him very sleepy!) but he was unsure of the large creatures he spied out the window. Oh, he barked plenty, but they didn't seem to take notice.
Enjoy the visual escape to Yellowstone National Park…
A beauty in velvet…
I love the babies!
Rocco doesn't seem to care about the babies…
Inevitably, the biggest "jams" are "bear jams" – and this is no exception. All this fuss for an itty, bitty black bear.
(Follow the arrow to black speck…)
Early summer is prime wild-flower viewing time! This day was loaded with wild treasures.
Seems something got Rocco's attention. This is what I refer to as his "bear cub stance" – he stands to get a better view!
A trip to Yellowstone is not complete without a bison traffic jam. This "jam" seemed to intrigue all occupants of the car, and I do mean ALL…
…ain't this the cutest "wild" face you've ever seen??


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- ASmall Text
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A rollover in Fayetteville is slowing down traffic. State police were on the scene of the accident on the Fulbright Expressway on Friday evening.
A dispatcher said someone was hurt in the crash; however, they do not know the severity of the injury.
Police said they are working also on seven other wrecks on the highway.


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My name is Luz Mendoza and I am originally from Spain, from the beautiful Island of Tenerife, I moved to the UK over 17 years ago and live in London with my better half a wonderful english man and my ...
My name is Luz Mendoza and I am originally from Spain, from the beautiful Island of Tenerife, I moved to the UK over 17 years ago and live in London with my better half a wonderful english man and my three children, a boy and identical twin girls. I crochet, knit, sew, cook, bake and eat, laugh, play, hug, kiss… basically I am in love with life!
I have decided to write the crochet patterns that are mostly inspired by my kids, sometimes it is what I think they need or like and sometimes it is just a plain request!, 'mummy can you make me a…' the best part is to see their faces when I gave them something that I have made, 'mummy, you made it for me?', I love it!, I hope you enjoy my patterns to. Happy Crocheting!
This is the perfect companion for a baby or for little kids. Combining traditional amigurumi techniques with traditional crochet colour way techniques, Elsie is a little doll who will delight everyone in the house!
Size: Approximately 8.5 " tall (22 cm)
You will need:
Size hook 3 mm
70 gr of DK weight yarn in grey, scraps of two tones of orange, green and black
Yarn needle
Toy filling, I used the inside of an old pillow.
Please note all my patterns are written in standard american terms.
If you have any questions about this pattern or the sales conditions please convo me.
For giveaways, coupons and free patterns please visit my
Facebook: https://www.facebook.com/LuzPatterns
Pinterest: http://www.pinterest.com/luzpatterns
Blog: http://luzpatterns.com
Thanks for visiting!
** This pattern is Copyright created and designed by Luz Patterns. This pattern may not be distributed in any form, that includes pictures text and instructions. You are welcome to sell the items that you make using the pattern, but please put a link back to my shop. Thanks.
6 sts to 6 rounds = 1 inch


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Top Definition
An alcoholic drink one needs to get going in the morning.
"Todd is an alcoholic. He has an eye opener every day just after waking up."
by talley June 07, 2006
Trending Now
Can you define these popular missing words?
1. A real suprise
2. A drink of liquor taken upon awakening
3. Anything that enforms or enlightens one
Listening to his lecture was an eye-opener.
by Light Joker October 02, 2005
What you call an alcoholic drink that you have soon after you wake up.
I knew the day was going to be a rough one, so I pulled out an eyeopener after breakfast.
by Dan Cheese May 13, 2005
Doing a one and one of coke. Usually refers to the first one and one or when done upon waking up.
Yo, I can't get going this morning, I can sure use me an eye opener
by Blue Eyed Soul Brother December 09, 2010
A drink consumed whilst on route to a club or bar.
"The other's have gone ahead to the bar, so let's just nip in here for an eye opener".
by BGMH October 09, 2011
1. An alcoholic beverage consumed in the morning.
2. The specific act of receiving a blow job and a Bloody Mary to start off a football Saturday in the fall.
2. The specific act of receiving a blow job and a Bloody Mary to start off a football Saturday in the fall.
I used to dread morning kickoffs, but now I look forward to a nice eye opener from the missus to get me going.
by Putting the Cock in Cocktail October 21, 2010
When you are fucking a girl in any way but you pull out and nut in her eyes.
Cumming all over her face sure was an eye opening experience!
by Blue Meanie February 13, 2003


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Don't let the media convince you. Though the New England Patriots and New York Giants met earlier this season—making this Super Bowl a sequel in more ways than one—the two teams aren't the same squads they were in November.
They're similar, of course, but two-and-a-half months is an eternity in the NFL. That Nov. 6 matchup feels like it was a whole season ago.
The Giants made some tweaks, the Patriots made some tweaks and obviously—seeing as they're the only teams with another football game on their schedules—they worked.
Here are some of the changes that have occurred in Foxborough since the Pats and G-Men last shared the field.


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