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Nintendo 3DS
- Boards
- Nintendo 3DS
- What is your favorite portable gaming memory?
keyblade_lord 4 years ago#51
OBJECTION! This Topic Clearly Sucks!
PSN, Steam and Gamertag: Joseponypants
paralyzed21 4 years ago#52
getting castlevania the adventure
http://www.wearethepanicdivision.com | http://www.facebook.com/thepanicdivision
Mangafreak17 4 years ago#53
- Finally beating Link's Awakening on the 3DS years after I first played it.
- Discovering the greatness of 999 and subsequently discovinering a sequel would come out.
- Finding out Dragon Quest 9 was a DS exclusive.
oldvuz_ranga 4 years ago#54
Beating Link's Awakening at 2am with one of those snake lights.
crazymerio 4 years ago#55
6 things
Getting Elite Beat Agents on Christmas morning and playing it until the delicious Christmas breakfast that my mother and sister's slaved over for a day. All the while getting yelled at to stop playing but thinking it was too awesome to put it down.
Getting a new ds after mine went missing for easter in the basket in the bathroom. Fun fact: the old one was actually in a hidden compartment in my parents RV, lol. We found it years later and I sold it cheap to my nephew.
Beating Harry Potter and The Sorceror's Stone on GBA while in the car early in the morning on this mountain trail in Hawaii. We saw a moonbow that night which is supposedly very rare. It's essentially just a rainbow at night. Also a white owl flew straight for our car then dodged us. I thought it was awesome because it looked like Hedgwig and I was playing Harry Potter.
Getting the password for Spongebob SuperSponge on GBA to the last level from a kid who I was talking to on a fishing boat who had the same game. I still remember the password to this day. It's wmbt.
Playing Sonic Rush at my brother in law's ballroom while on a trip to visit. It was the first time I had actually tried to play the game and I was just realizing how fun it was. I remember playing it for a very long time.
Getting Meteos for DS from one of my good friends for my birthday then not playing it until the two days before christmas because I thought it looked stupid. In my family, christmas eve is at my cousin's house, so I brought my ds and the game over for christmas eve and ended up playing that game until 3 in the morning because everyone always stays up late on christmas eve. I didn't talk to anyone and my mom got quite angry at me. It was a good time.
Note: This all makes me sound very wealthy and spoiled and young. I'm 18, my parents use to have quite a bit of money but now things are tougher and yes I was a little spoiled when it comes to videogames....
Boy...that was a lot of typing...There'll be quite a few tldring.
It was in the darker days, days of monochrome green and mountains of AA corpses. The past, a now mythical and wondrous place. Some how, we survived, without the internets, without gamefaqs. And there I was, stuck in the desert. Me, and a chocobo and some stupid palm trees. I was stuck there for over a year, only occasionally rearing my head to the daylight, lost, hopeless, frustrated, and way over leveled. Wtf is palm trees and eight?
I moved on, played what would be the SaGa series, greats like links awakening, sml2, and many, many more. But then the day came. I saw it in a magazine I was browsing at the store while my parents shopped. There it was, that bane of my existence. Some one else had the same problem, and had written to the magazine about it. The correct path was drawn there, in a wonderful red line, full of arrows for clarity. I ripped the tiny blurb out, holding it in my hand until we returned to the domicile. I ran upstairs, grabbed my Gameboy and the game, and Finally, at long last, finished my quest. I don't remember how much gameplay was left at this point, but I didn't stop until the credits.
The music to this Gemma of a game still plays in my mind to this day.thanks, final fantasy adventure/ sunken denutesu 1. You define my past in memory.
Your television viewing may be a negative influence on your life. It may lie to you. Watch out! Don't believe the robots. Eat well
5412-9925-5942. Psn-slaysme
SerpenterRex 4 years ago#57
Somewhere between 'Receving pokemon Gold and Silver for Christmas' and 'Finally beating nightmare on Metroid fusion in the middle of french class'.
TronBonne09 4 years ago#58
Pretending to be sick so I could play Pokemon Silver (I think?) and ended up finding Suicune! That was the only time I ever lied about being sick, but it was the right choice...haha.
Formerly known as: DarkShadowEevee
Buying my GameBoy Color before a road trip.
Went to a used game store about an hour before closing with enough $ for the machine but not games. My brother and I were the only customers in the store when a couple girls walked in and started flirting with the 2 guys running the store... I got the GBC and three free games just to get us out the door!
Purple GBC, Donkey Kong (GB), Zelda (GB), Harvest Moon (GBC)
My parents buying me Pokemon Sapphire one day at Walmart without me knowing and giving it to me later that day when I was bored at my sister's softball tournament.
Buying Fire Emblem 7 on impulse, not knowing anything about the game or the series. I honestly have no idea why I bought it, all I know is I am EXTREMELY happy I did. Although I was too young to really figure out at the time, I played it last year and fell in love with FE.
I Support Sandbag as a Playable Character in New SSB
Waiting For: Halo 4, FE13, Any 3DS RPG...
- Boards
- Nintendo 3DS
- What is your favorite portable gaming memory?
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It's time for the monthly Spin Sucks Pro webinar (tomorrow!) and, this month, we're excited to have Paul Roetzer, who just wrote The Marketing Agency Blueprint.
I like Paul. Like me, he founded and grew an agency (PR 20/20) and he has a lot of the same business philosophies as me. You know what that means? You'll like him, too.
During the webinar, he discusses the 10 rules for transforming your agency, which I'm going to share with you in a minute.
But, first, he describes the three things that happened in the past four years that created a need for change.
- Change velocity. You know, this whole technology thing. It's sort of put the industries on their heads.
- Selective consumption. While inbound marketing isn't new, it's become increasingly more popular as it's effectiveness begins to shine.
- Success factors. We began to see clients demand real measurement a couple of years ago. My personal opinion is this is the year agencies will be fired if they don't figure it out.
In other words, you really have no choice but to change, evolve, and adapt. During the webinar, Paul discusses the 10 rules you will have to adapt as you begin to build and grow your modern marketing agency.
10 Rules of Transformation
- Eliminate billable hours. Nearly two years ago to the day, I blogged about PR firms needing to be rid of the billable hour structure. You still have to track your time because that's your inventory. But the idea that clients receive invoices with big blocks of time and nothing to show for it (other than time) is as old as dirt. Figure out how much it costs to do things and set a standard. Stop billing by the hour.
- Transform into a hybrid. Becoming a technology firm doesn't mean you have to do software or build apps or know how to develop. It means you're immersed in technology and know how it's affecting your business and your client's businesses.
- Think talent and team. In the modern marketing agency ecosystem, the one thing that can't be replicated by your competition is the talent you have on your team. Structure the business to hire the best and retain them. It's impossible to sustain a profitable business if your talent leaves every two years. Invest in them.
- Build a scalable infrastructure. There are some good little tidbits when Paul talks about this because he gives you free (or nearly free) apps to use in order to build your infrastructure. Like me, he's a big believer in the cloud, which allows you to scale without the costs of the olden days.
- Devise an inbound marketing game plan. An inbound marketing plan for an agency? Are you insane? No, he's not and this is the same philosophy we use. He suggests looking at yourself as a client and doing work for the company in that way. And he shows you an actual game plan that you can beg, borrow, and steal.
- Control the sales funnel. When I worked at Fleishman-Hillard, once a year they'd bring in some sales guru to talk to us about how to drive new business. It never worked because a) we were too young to have any connections that could make purchase decisions (though I did land a $2MM account when I was 26), b) we had to bill 40 hours a week, and c) we had to work on new business proposals 20 hours a week. There is a better process for formalizing your new business, but in a way that involves everyone where they're strong.
- Commit to clients. This is kind of a no brainer, but you have to accept the fact that not all clients are created equal. You have some that mean more to your agency than others. This is the hardest thing you'll have to do, but once a year, look at the bottom 10 percent of your clients and "fire" them. I know it's hard to give up revenue. But you'll just have to trust me when I say it'll be the best decision you'll make.
- Deliver results. Most agencies fall short here for two reasons: 1) The industry standard for results is still media impressions and advertising equivalencies (total BS) and 2) "We went into a creative discipline because we don't like number." Yeah…that's not going to cut it. With all of the data you know have at your fingertips, you'd better quickly learn how to measure results.
- Embrace failure. Paul says this is the willingness to take chances. A lot of agencies know the model is broken, but most don't know how to fix what's wrong. Are you willing to take some risk and be OK if you fail?
- Pursue purpose. This is what I call the vision. Entrepreneurs are rarely satisfied with making money. If that were the case, I would have given up in late 2010, when I had to stop paying myself to keep Arment Dietrich afloat. But there was a bigger purpose at stake and that is what drove me to get out of bed every morning. What is it for you?
Like our previous two webinars, this one is pre-recorded (which we'll play live at 11 a.m. CT tomorrow) so Paul can answer questions as you have them throughout the discussion. He's also left about 15 minutes at the end to have a group discussion.
It's $50 (momma needs new shoes!), but I didn't give away all of his secrets here. There are several game plans and worksheets available through the webinar that will be extremely helpful for you.
Or you can buy The Marketing Agency Blueprint and help him buy new shoes instead.
Register now and we'll see you tomorrow (or it's always available on-demand if that time doesn't work for you)!
Leave a Reply
26 Comments on "10 Rules for Transforming Your Agency"
Great recap, Gini! Thanks for the opportunity to present as part of the Spin Sucks Pro series.
@paulroetzer You bet! I'm sorry I won't be there live and in person, but you're in good hands!
@HowieSPM Yes. Exactly what you said.
I'm guessing we don't wear the same size shoes…
@Shonali depends on the brand. I bet you wear the same sized stilts but you will be taller in them
@Shonali Considering I just bought a 5.5 pair of shoes and they're too big…I'm going to guess not.
I was fortunate enough to see a similar webinar Paul did with HubSpot a few months ago. This is well worth it.
@TedWeismann Thanks for the endorsement for Paul!
Ok, off to check the Kindle store ;=)
@jonbuscall I'm halfway through the book. It's really good.
@ginidietrich It's on my Kindle for bedtime :=) (And this weekend's trip to Norway. Talking about the future of writing in a tablet era in Rauma – the middle of nowhere)
@jonbuscall Ah man! I wish you'd had a trip to Norway when I was there. Next time I have to plan that better.
Alright, any deadlines that I miss today are the direct fault of @ginidietrich for exposing me to this book, today. 🙂 Great read.
Thanks for another great recommendation and I can't wait for the webinar tomorrow. (and to see you speak in New Orleans).
@HeatherTweedy LOL! I thought for a second that you bought the book and then started reading immediately.
Wait. Are you going to be at Counselor's Academy???
BTW. Love your FB cover photo. I went to Creighton so it brings back some memories.
@ginidietrich I am going to be at CA. I was on the fence and Lisa Gerber's blog tipped me over the edge.
The Blue Jays are having a great year in sports. They kindly let us Huskers root for them this basketball season. 🙂 Hopefully they can be back-to-back baseball champs in 2012!
@HeatherTweedy OMG! YAY!!! You're going to love it. I can't wait to meet you. And, if you don't already have plans for the dine-around, you can go with us to Commander's Palace
@ginidietrich I thin Commander's Palace may be full that night, but you'll have to let me buy you a drink while we're down there!
@HeatherTweedy Um. If you want to go, I know a gal (cough, me, cough).
@ginidietrich Sounds like a good connection. 🙂 Then yes, I would love to have dinner!
I think maybe both the shoes and the webinar, although there's no way I can listen to it tomorrow…
[…] PR will need to embrace the style of the social cyborg. We all will. The industry will need to adopt a new mindset, one that incorporates the traditional skills and expectations of a PR professional with new media […]
[…] After all, one would think that strategic communicators would easily "get" how to engage on the social web. But for some strange reason, many traditional agencies are slow to adapt to new technologies. […]
[…] PR will need to embrace the style of the social cyborg. We all will. The industry will need to adopt a new mindset, one that incorporates the traditional skills and expectations of a PR professional with new media […]

subset: commoncrawl


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Who was one of the most surprising shortstops this season? Your fourth ranked Nationals breakout star Ian Desmond, who earned $19 this season. Obviously, no one saw this coming. The RotoGraphs consensus ranked him just 15th at the position, and no one was more optimstic than Jeff Zimmerman at 14, whose ranking was based on ZiPS projections. If it weren't for a torn oblique injury that forced him to miss nearly a month of the season, his counting stats, and resulting ranking, would have been even better. So has he established a new level of skill, or was this just a typical career year ripe for regression?
I will start out with the most glaring difference in Desmond this year, his sudden status as a masher at a position you don't normally get a whole lot of power from. Desmond had just just 18 homers combined during his first two full seasons in the league, having never posted a HR/FB ratio above 7.7% or ISO exceeding .124. Then out of nowhere, he goes on to ISO .218, while clubbing 25 bombs and hitting 18.2% of his fly balls out of the park. Woah, that is one heck of a spike.
His doubles rate increased as well, though not by as significant a rate as his home runs. That's a good sign because it at last seems to suggest that it wasn't just a couple of additional gusts of wind turning his doubles into homers, but a true jump in overall power.
Desmond's distance data is rather promising as well. His average home run and fly ball distance bounced from a league average 273 feet last year to a pretty strong 292 feet this season. However, we also see that he averaged this exact same distance back in 2010, yet only managed to muster a 7.7% HR/FB ratio. That 2010 distance may have been a foreshadowing of a future HR/FB rate spike or just illustrate the perils of using these distances to predict HR/FB ratios to begin with. Looking at his ESPN Home Run Tracker data, 8 of his 25 shots were classified as "just enough", which is just 1 more than the league average mark, so no red flag there. His average standard distance was most impressive, coming in at a whopping 407 feet, well above the National League average of 395.7 feet. The distance also compares favorably to previous years of 389 and 400 feet.
Desmond will spend the majority of the 2013 season at the magical age of 27. He was at the perfect age to see a power spike this year and none of the underlying metrics raise any obvious red flags. While I would always caution against projecting a repeat of a significant breakout, Desmond looks to hold onto most of his power gains. I wouldn't project another high teen HR/FB mark, but a 13%-15% mark sounds reasonable.
Aside from the newfound power, Desmond also brings speed to the table, as he has now swiped 20+ bases two seasons in a row. His batting average, though, is likely to slip as a slight regression in his BABIP, plus a lower HR/FB ratio that turns this year's homers into fly ball outs, means that he should settle back into the .275-.280 range.
Since Desmond is now an across the board contributor, he should again be a top 10 shortstop next season. While last season's breakouts are typically overvalued, I don't think Desmond's name recognition will push his price up too highly. This is all speculation of course and highly dependent on your specific league, but I have a feeling he actually ends up fairly valued at your draft, and not someone I would nominate early on as a bust candidate.


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Missourians from St. Louis to Table Rock Lake are reporting a strange condition on the leaves of oak trees. An even stranger phenomenon is occurring on the ground underneath affected trees.
The phenomena are most common between Rolla and Lake of the Ozarks. The first sign of something unusual is oak trees turning brown. Close examination shows pinhead-sized buttons on leaf bottoms. These bumps eventually turn brown and fall to the ground where they commence bouncing, as if they were alive.
In fact, something is alive in there. The balls are galls--abnormal growths sort of like tumors. They develop when tiny wasps of the Genus Cynipidae lay their eggs on tender young oak leaves. The galls provide both food and shelter for growing wasp larvae.
The bouncing is caused by vigorous movement of the larvae inside. The random motion causes the galls to settle into leaf litter and crevices where they will be protected from the rigors of winter.
People whose oaks have jumping galls are more worried about their trees than why the galls jump. Experts say the galls rarely cause significant damage to trees. They are just one of life's irritations for healthy oak trees, sort of like fleas on a rabbit. On the other hand, oaks that have fungal infections or have suffered extensive limb loss due to ice or wind already are stressed. For these trees, the demands of replacing dead leaves can lead to long-term declines in health.
Good growing conditions and sanitation helps minimize the severity of jumping oak gall infestations. This includes watering during droughty weather and fertilizing trees in the spring. It's also a good idea to remove fallen leaves and burn or compost them.
Although jumping oak galls are the main cause of oak trees turning brown, they are not the only cause of leaf discoloration in oak trees. Fungus infections also are causing some problems this year. This problem also seldom is fatal to oaks, and no actions are needed to help trees recover, other than those noted above.
More information about jumping oak galls is available at mdc.mo.gov/22967.


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24 hours: More fun stuff for Milwaukee's weekend to-do list
7:30 a.m. Friday
Milwaukee Indyfest really gets rolling Friday at the Milwaukee Mile at Wisconsin State Fair Park. Music, carnival rides, IndyCar runs and, yes, rickshaw racing. »Read Full Article
For 3 friends at Milwaukee show, Beatlemania lasts 50 years
Did Barb Pellowski, Karen Marzion and Gloria Olson go see the Beatles when they played Milwaukee? Were they in the front row? And did they scream the whole time?
Yeah, yeah...no. »Read Full Article(5)


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Sports Archive
Wrestling Team Remains Undefeated
The wrestling squad participated in the Grand Canyon Duals in Phoenix, AZ on Saturday. The event features some of the best wrestling teams in the nation. The Huskies participated in four duals throughout the day and went a perfect 4-0. SCSU took down Western State 38-3 to start off the day then Colorado Mesa 32-3, California Baptists 33-9 before ending the day with a victory over Colorado School of Mines 39-6. It's the third season SCSU has participated in the Grand Canyon Duals and the third consecutive season without a loss. The team now holds a 7-0 dual record this season and extended their record winning streak to 33 duals.
Up next for the team is the National Duals in Springfield, Illinois Jan 12-13. John Peterson will be traveling with the team and coving the event live on the KVSC Sports Stream. Stay tuned to KVSC Sports for more details regarding specific times that the Huskies will be participating over the weekend. KVSC is the exclusive home of Husky wrestling all season long, find the rest of the events we've got coverage of this spring here.
Latest News
Police Are Looking For Suspects After A Hotel Robbery In St. Cloud Sunday
Waite Park Officers Arrest A Man for Felony DUI After Running a Stop Sign Saturday
Placement Of Campaign Signs Matters, Stearns County Reminds People Of Minn. Laws
FBI Is Seeking Cellphone Video From Witnesses At Crossroads Mall During Stabbing
Stearns County Will Add Metal Detectors And Security Guards To Office Buildings After Public Attacks
Sports Schedule
Women's Hockey vs
Merrimack (Tape Delay)
Oct 01, 2016 - 3:07
Men's Hockey vs
University of Regina
Oct 02, 2016 - 7:07
Women's Hockey vs
North Dakota (Sports Stream)
Oct 07, 2016 - 6:07
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Added by DentistClaremont Subscribe 0
Published 24 Feb 2012
http://DentistClaremont.com Lumineer Dentist Montclair CA, Dr. Vijay Patel talks about the cosmetic dentist...
http://DentistClaremont.com Lumineer Dentist Montclair CA, Dr. Vijay Patel talks about the cosmetic dentistry and having a bright smile with dental veneers. What exactly is a dental veneer? A dental veneer is a thin layer of restorative material placed over a tooth surface, either to improve the aesthetics of a tooth, or to protect a damaged tooth surface. A dental veneer can help you improve the appearances of your smile tremendously. There are two main types of material used to fabricate a veneer, composite and dental porcelain. In the other hand a dental lumineer is a porcelain veneer that offer the painless way to a permanently whiter and perfectly aligned smile. Dental lumineers helps patients improve their smile without shaving, grinding the teeth. Dental lumineers can even be placed over existing crown or bridgework. Contact a Cosmetic Dentist Montclair CA to see what are your options. Lumineer Dentist Montclair CA, Dr. Vijay Patel also serves the following cities & zip codes: Upland, San Dimas, La Verne, Claremont, Montclair.


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Ghosts - UFO's - Cryptozoology
Ghost Hunting TV Talk show
The Number one Ghost Hunting TV Talk Show
Dover Castle Ghosts documentary
Location: Dover
Footage From: http://www.youtube.com/user/GhostWatching
Details and Info On the video.
Watch the documentary video below for the strange ghost activitys what took place at Dover Castle.
Take a look.
Video 1 Video 2


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Super 8 Abilene
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... us security - do we want to live in a prison of his making?) Although Eisenhower was a West Point grad, a 5 star General and a great military leader, his strengths were in consensus building and he did not believe war solved anything.
After the morning spent at the Museum and grounds and a picnic in the Eisenhower park, we got back on the yellow brick road.
And We're Off -Day 1
... later those plans are now reality as we head out West in the RV with four people and two dogs to spend a week in the mountains visiting friends, hiking, biking, a little bit of boot scoot boogying and whatever else comes our way (no plans can sometimes make for the best plans) It takes a lot of planning to provision the RV, pack for the climate changes in the mountains and also plan for meals. Speaking of meals, last night after work I went to the ...
Ingram Duo in The Middle of the Good Ole USA!
... RV (after going by Freddy's for French fries!). The burgers were ok but I have had better (that's my critique)! Salina seems to be moving forward on the edge of town as it has quite a lot of fast food establishments as well as the usual strip mall stores we all know. The downtown is quaint as most we've seen in our travels.
Friday we traveled to Abilene and visited our first Presidential Library, Museum and ...
Day 4
... from CT and James was the third from NJ.
A few hours after lunch we finally started to see the Rocky Mountains off in the distance and the prairies gave way to more rugged land. We arrived in Denver around 5:15, by far the earliest we'd succeeded in stopping for the night.
We stayed with James' friend, Eric, who is in Denver getting a PhD in some sort of science we don't understand. ...
Kit and Shaw's House (By Oriah)
Shaw and Kit's was awesome. I really wish we could go there again. I really enjoyed the water balloon fight, playing in the sandbox, playing with their cats and dogs. They were super fun to play with and very nice, they let us play with their stuff, sleep in their room and fed us delicious food. Emi and Amaya were fun to play with. By ...


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It was all smiles at Children's Hospital of Pittsburgh on Thursday when "Sesame Street" stars Elmo and Cookie Monster came to visit.
Photos: 'Sesame Street' stars bring smiles to Children's Hospital
Elmo, Cookie Monster visit young patientsPublished 4:42 PM EST Jan 09, 2014
Slideshow Central
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We offer a complimentary one-on-one personal training session with one of our certified personal trainers.
At the Power Institute we go beyond traditional personal training by creating custom, interactive workouts based on a natural approach to personal training. How do we do this? By using your natural body weight to help strengthen and tone your muscles in a functional way and by using the latest fitness technology and techniques. You'll never do the same workout twice, which means your body stays challenged as your fitness improves. The Power Institute is the only facility in Toronto to offer you the opportunity to accelerate your results with all-natural, non-invasive body contouring. We want you to look and feel your absolute best.
Call 416.967.6937 and book your appointment.
You'll leave feeling strong, energized and motivated.
Getting fit and healthy and staying that way is hard work.
Our team of certified, experienced trainers work with you to create an effective, personal training program designed to achieve your specific fitness goals. No matter what your goals are, the caring staff at the Power Institute will motivate and help you to achieve them.
We pride ourselves on personal attention, hard work, and above all else, RESULTS.
Call 416.967.6937 or contact us to book your appointment.
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We invite you to visit us for your complimentary consultation and trial session. Please call 416.967.6937 or contact us to book your appointment. Please note that we have a 24 hour cancellation policy.


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Prosecutor Bill Thompson said the plea agreement reached this week with David Stone of Moscow may help authorities get more answers, including where Rachael Anderson's body is.
She went missing in April of 2010 after filing for divorce from her estranged husband Charles Capone. He's charged with first degree murder, with his trial set for March.
But Stone, his alleged accomplice, is now testifying against Capone for a lesser sentence. Investigators said they didn't find any remains while searching the Snake River last month.


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America's restaurant climate has been improving during the last few months, as national government job statistics suggest.
Regionally, November may be the busiest month in years for openings, with nearly two dozen newcomers.
What's the magic of opening in November? "It's because we couldn't open in October," said Stephen Starr, who on Friday debuts Route 6, his seafood house at 600 N. Broad St. , a sprawling, shore-style fish house in the former Wilkie auto showroom; see www.philly.com/route6 for the rundown, photos and menu.
In general, construction tends to lollygag through the summer and picks up after Labor Day. By Halloween, it clicks into high gear as owners seek to take advantage of the busy fourth quarter.


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Diocese of Fort Worth Website
Pope Francis to see 'Homeless Jesus' during U.S. visit
How 5,000 relics found a home in a Pittsburgh chapel
Popemobile shipped to U.S. ahead of pope's arrival
Msgr. Juan Rivero, pioneering diocesan priest, retires after 43 years of faithful service
Pope Francis to speak from lectern Lincoln used for Gettysburg Address
Pope taps Dallas parish priest as new bishop of Lubbock
Bishop Olson to help launch 40 Days for Life on Sept. 28
Bishop Olson talks faithful citizenship with Wichita Falls young adults
Diocesan Tribunal Office relocates, implements streamlined petition process
Church leaders say group's ads distort Catholic teaching on sanctity of life
'Moved by Mercy' is theme of Respect Life Month, yearlong observance
Meet the Courage apostolate's new leader: Fr. Philip Bochanski
Pope: Anyone who repents, desires God's embrace can be saved
Healing division with tradition: Hispanic ministry seeks unity
Pope Francis endorses Mexican bishops on family marches
An Encounter for Change at World Youth Day
World Youth Day, an opportunity for spiritual progress
Three-Minute Testimony, do you have one?
Seminarian summer activities are a continued witness to Christ
What can a catechist learn from St. Thomas More?
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Get a free shipping quote.
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The Flyers have outstanding depth on defense, but it got a little thinner Tuesday when they learned defenseman Matt Walker could be sidelined for 10 to 12 weeks.
Walker, acquired in the trade that sent Simon Gagne to Tampa Bay in July, will have surgery Wednesday on his right hip to repair a bony impingement and a torn labrum (cartilage), general manager Paul Holmgren said. The surgery will be performed by Thomas Byrd in Nashville.
The 30-year-old defenseman was injured while fighting the Devils' Pierre-Luc Letourneau-Leblond in the preseason, a tussle in which Walker said he "got twisted up when I was flailing around in one of those ugly bouts."


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After booking airline tickets to Scotland through OneTravel, Jane Randolph discovered that the agency had misspelled both her husband's name and her own. It fixed hers, but not his. Three months later, she's starting to worry. Continue reading…
Why can't they change the name on my cruise ticket?
Sally Bedell and her husband were looking forward to a great trip: a 12-day Cities of Light tour on Viking River Cruises — an itinerary that would have taken them from Paris to Prague, traveling along the Moselle, Rhine and Main Rivers.
Delta bends a rule after daughter's tragic death
I'm honored to introduce our newest columnist, Andrew Der. His weekly feature is called "The Good News Guy" and it offers a much-needed counterpoint to all the negative stories on this site. I hope you find this feature as uplifting and inspiring as I have.
Too often, airline rules add insult to injury.
If you cancel a flight, for example, they make you pay even more for a new one, assuming the fees and fare differential don't consume the entire value of your credit. And forget about changing the name on your ticket — it's not allowed.
But those rules are not written in stone. Thank goodness for that.
Continue reading…
Hello, Dummy! Comcast calls its customers more shocking names
Caution: This post contains language that may not be appropriate for a family audience.
The most shocking thing about a revelation that a Comcast employee changed a customer's name to "a**hole" was how shocked everyone was.
Readers reacted with indignation at my report that the company with the worst customer service scores in America would have employees who hated their customers enough to put it in writing.
Continue reading…
Comcast thinks my husband is an a**hole – and they put it in writing
Warning: This post contains language that may not be appropriate for a family audience.
It's no secret that employees sometimes feel their customers are jerks. But I've never seen one put it in writing — until now.
Continue reading…
Google Plus says my name is not allowed — now what?
Google Plus doesn't like David Books' name. And now it's stopped listening to his requests for a social media account. Is there anything he can do to get the company's attention?
Question: Could you possibly help me with an issue that continually keeps popping up for me. Because of my name — Books — I keep getting denied the right to set up an account with Google Plus, Google's social network.
I have used Google's email service for years under my legal name, but when I tried to set up a Google Plus account, I was denied because of my name violating their name policy. I sent a copy of my driver's license, but was still denied.
There is no way to appeal the denial. I might have a better chance if I could send Google my Facebook credentials, but I have the same problem there. I can't establish a Facebook account because of (you guessed it) my last name.
Continue reading…
Help, the names on my kids' airline tickets are wrong — what should I do?
Heather Matinde's problem is fairly common, but when it happens to you, it can sure seem like the end of the world. She'd just paid a small fortune for airline tickets from Los Angeles to Brussels on Expedia, only to discover a serious problem with her sons' reservation.
Each boy had each others' middle names on their tickets, and the airline was balking at making a correction. Unfortunately, Matinde didn't reach out to Expedia and the airline, Jet Airways, within 24 hours and — you guessed it — the airline was refusing to fix the names.
Continue reading…
"It sounds like criminal activity to me"
And now, a little story about names, online travel agencies, airlines and the TSA.
Are you still with me?
Good. Because this could affect your next trip if you're not careful.
Continue reading…
Can this trip be saved? I paid for the ticket — where's my credit?
Ridiculous or not? Your airline ticket isn't transferrable
Uh-oh! Ava's airline ticket says "Eva" — is a notation enough?
Not again.
Pearl Castellino's daughter, Ava, has a ticket with the name "Eva" — a ticket her travel agent admits he misspelled. "I told him to double-check the names," she remembers. Apparently, he didn't.
We've seen this before. What makes this situation more complex is Secure Flight, the new government program that requires your ticket match the name on your ID.
Continue reading…
Uh-oh! Joseph's ticket says "Joe" — will he be allowed to fly?
It may be useful to remember the name on your hotel reservation
Jerry Stannard booked a room at the St. Gregory Luxury Hotel & Suites in Washington through Expedia recently. But when he tried to confirm the reservation by phone, no one had heard of him. He had to pay for another room, even though Expedia already had his money.
Did the hotel lose Stannard's reservation? Did Expedia forget to tell the St. Gregory he was coming?
No — and no.
Stannard phoned my friends at KCRA when he couldn't get a $499 refund for the first pre-paid reservation from Expedia. KCRA contacted me for help. Why was was the online agency holding on to his money?
The answer: Stannard had booked a reservation at the St. Gregory. Under a different name.
I asked Expedia to look into this case, and its records show that he failed to remember the correct name he'd booked the room under.
Since they could not find a booking under his name, he and the hotel assumed it had been mistakenly canceled, and he booked another room and was therefore charged twice. I've been advised that the record on Mr. Stannard's itinerary does not contain significant detail from that point, so as a measure of goodwill, Expedia has refunded Mr. Stannard in the amount of $499.
Lesson learned? Try to remember the name on your reservation. Otherwise you might have to pay for your hotel room again.
It was generous of Expedia to give Stannard the benefit of the doubt. But it didn't have to.
Wrong name on a United Airlines ticket? No problem!
There's no shortage of sob stories about airline passengers who bought a ticket under a wrong name — like a maiden name or nickname — only to discover they're holding a worthless piece of paper. So when an airline reverses course and allows a name change for free, then you have a legitimate man-bites-dog story.
The carrier, in this case, is beleaguered United Airlines. The passenger: longtime reader Cliff Ruddick. Here's what happened:
I booked award tickets on United Airlines' Web site and I accidentally interchanged my traveling companion's first and last names on her reservation. When we got to Los Angeles, we tried to check in curbside, but since the names were interchanged on her reservation, the agent sent us into the chaotic ticketing lobby, but told us to find the ticket line for "Quick Clips".
Uh-oh. Were they about to extract an outrageous change fee from Ruddick at a quick clip? That's certainly what it looked like.
We explained the problem and the agent behind the counter took about two minutes to fix it in the reservation system. Then — and here is the amazing part — she met us at the end of the reservation counters and personally escorted us upstairs to the lightly-used security line on the second floor and brought us up directly to the front of the line.
Ruddick is neither a million miler or a VIP, so when an agent went the extra mile for him, it took him by surprise. He wrote a letter to the airline, praising the employee. "United gets trashed regularly about its customer service," he told me. "But I have found they really employ some gems as well as some clunkers."
Well, let's hear it for the gems.


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View Single Post
Dojo: Shodokan Honbu (Osaka)
Location: Himeji, Japan
Join Date: Mar 2001
Posts: 3,206
paul watt (paw)
I'm not saying kata is bad or worthless. (read that a couple times, please) I've never said kata is worthless on this thread (read that a couple of times too) I'm saying that there is an environment (one that I'm going to call the "introduction stage" because the k-word is causing trouble) where I believe talking and examining: "what if", counters, timing, and the like is not a good use of time. That's all. <==== that last character is a period.
Hi Paul;
I guess kata is one of those words. Kata done at/as the "introduction stage" is quite different than it's full potential.
Let's discuss the use of "what ifs" at any stage.
Of course for a beginner this has as much reality (to use the car analogy) what would you do if a huge massive big truck decided to rear end you on purpose when (experience wise) you haven't even got out of the parking lot. However, as your driving skill increases three things probably happen. Firstly, you don't think of the "what ifs" as much; secondly, your solutions diverge from fantasy (360 degree spin, rev and play chicken) to reality (find twisty road quick); thirdly your what ifs probably run to more likely scenerios (kids leaping out between parked cars).
The what ifs in an Aikido setting, at any stage, do have a purpose in that they allow the student to feel relevance. The danger of course is that they begin to fool themselves - that of course is why we have advanced students.
Even at kyu grades we have free embu. In this situation you get to make up kata. For a kyu grade student to watch both free and fixed embu of higher levels the power and speed make their early attempts look down right silly.
As a side note I have seen certain jujutsu schools that teach literally hundreds of scenerios as kata. What ifs gone mad so to speak. I've also seen Aikido dojos that seem to bask in variations. Kata training done right can bring everything to a very high level.
Peter Rehse
Shodokan Aikido
View Public Profile
Visit PeterR's homepage
Find More Posts by PeterR


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Casa Georgina's
From $409 / week
Description from the manager
Description from the manager
Bedrooms: 4/
Bathrooms: 4/
Sleeps: 8/
Type: House
Book this 4 bedroom, 4 bathroom house in Chicxulub today! A total of 8 people can sleep here comfortably.
Guests can enjoy a pool, air conditioning, and parking space among other amenities offered by this rental.
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About the manager
Progreso Vacations Rentals
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Wednesday, August 14, 2013
South Carolina Gov. Nikki Haley issued a statewide proclamation this week designating August 11 – 17 as "South Carolina Health Center Week."
The proclamation recognizes community health centers that provide affordable, quality health care to millions of people across South Carolina and the nation. In addition to contributing to improved community health, these facilities help lower the cost of health care by reducing inappropriate emergency room and hospital utilization.
Each year over 324,000 South Carolinians receive patient-focused, coordinated health care services from community-based facilities across the state – including preventative and primary medical and dental care, case management and behavioral services, prenatal and postnatal care, and help with fitness and healthier eating.
© 2016 The Gazette an Evening Post Industries company. All Rights Reserved.
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text:
16 oz. Contact Cleaner, 12 PK
- Item# 38X854
- Mfr. Model# R50601
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Using 360° Viewing:
- Rotate: Use top-to-bottom, side-to-side by use of mouse arrow.
- Zoom In: Double click on image.
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- Shipping Weight 12.74 lbs.
Technical Specs
- Item Contact Cleaner
- Size 16 oz.
- Net Weight 12 oz.
- Container Type Aerosol Can
- Fragrance Solvent
- Contains Dichloroethylene
- VOC Content 0 (g/l)
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Latest Updates from Industry
To provide relief to 2nd hand property buyers facing legalities for property ownership, the ...
IRDAI has given its first phase of licence to ITI Reinsurance, thus clearing the first ever Indian ...
The insurance regulator has banned life insurers from offering indemnity-based health products, ...
New India Assurance and General Insurance Corporation have obtained board approval from their ...
Lloyd's of London chairman John Nelson has said the 325-year old insurance giant can help support ...
The Comptroller and Auditor General (CAG) will conduct a performance audit of crop insurance ...
SBI Life Insurance has launched higher income individual focused market-linked life insurance plan ...
Two of India's leading private-sector insurers are looking to raise over $1 billion this financial ...
Insurers, particularly those promoted by non-banking companies, are likely to see a major boost in ...
Edelweiss General Insurance Company (EGIC) cleared the first step in becoming an insurance company ...
Electronic insurance will become mandatory for annual premium equal to or above Rs 10,000 ...
IRDAI is planning to put in place an insurance self-network platform which could be used by an ...
Oriental Insurance has for the first time tied up with a private online insurance broker 'Coverfox' ...
Insurance companies are enthusiastic about the proposed guidelines on selling and servicing of ...
With an increase in number of Indian tourists indulging in Adventure Sports like bungee jumping, ...
The new premium collected by life insurers rose by 26.6 per cent in May to Rs 10,610.10 crore. The ...
Reliance Life Insurance's chief executive of three years, Anup Rau has quit the company, said three ...
Exide Life Insurance has announced India cricket team captain Mahendra Singh Dhoni as its brand ...
Heavy discounts in insurance segments such as group health would soon come under the scanner of the ...
IRDAI has granted special approval to 23 Cross Border Reinsurers (CBR) for the year 2016-17.
This ...
To provide relief to 2nd hand property buyers facing legalities for property ownership, the Insurance Regulatory and Development Authority of India (IRDAI) has set up a committee to launch Title Insurance.
Popular in the US and Europe, the policy protects an owner's or lender's financial interest in property against loss because of title defects and other matters. "It defends against a lawsuit contesting the title, or reimburses the policyholder for the monetary loss incurred, up to the amount of insurance provided by the policy," says an official of a general insurance company. The official says this will be a product essentially for the retail individual category but will be sold to institutions such as banks and non-banking finance companies.
"The current method is expensive and time consuming. Though courts do favour buyers who have done due-diligence, it can take decades to finally win the case at different courts. Title insurance can further minimise such risks," says Ashutosh Limaye, head of research & REIS at property advisory firm JLL. He says it can be cheaper for a flat and more expensive for a piece of land. That's because evaluating a land title is more cumbersome where a lawyer would need to go through multiple government offices and development plans over the years.
IRDAI has given its first phase of licence to ITI Reinsurance, thus clearing the first ever Indian private sector reinsurance company in the country.
The IRDAI board in a meeting in Hyderabad approved the initial license - known as R1 in regulatory parlance - to ITI Reinsurance, promoted by a firm controlled by Sun Pharma co-promoter Sudhir Valia.
Four global players - Munich Re, Hannover from Germany, Swiss Re from Switzerland and French major SCOR - have also received R1 licences and they are awaiting final clearance from the regulator. Lloyd's of London has also got the initial clearance from the IRDAI.
ITI Reinsurance is owned by Fortune Financial Services, in which Valia and others have a majority stake. PK Shah who had earlier worked in New India Assurance and Reliance Industries has been appointed as the MD & CEO of the company.
After providing the R1 clearance, the regulator now is conducting the due diligence for granting the final approvals (R2) to the global reinsurers to set up direct operations and the process may take some time.
GIC Re has been the country's sole reinsurance company so far. "We don't see any threat. There's ample room for anyone - both domestic and foreign - in India. Growth is in this part of the world and we are an established reinsurer," GIC Re chairman and MD Alice Vaidyan said on the imminent entry of several global reinsurance companies into India.
The insurance regulator has banned life insurers from offering indemnity-based health products, which constitute 90 per cent of the health insurance market, dealing a blow to their business plans.
Indemnity-based plans are those where one can claim reimbursement after visiting a doctor.
The Insurance Regulatory and Development Authority (IRDAI) has asked insurance companies offering these products to withdraw them by giving three months' notice to policyholders and to continue the existing contracts till the end of their policy term.
"We will have to withdraw our indemnity health insurance products," said RM Vishakha, MD and CEO, IndiaFirst Life Insurance. IRDAI has allowed insurance companies to offer a combined health and savings product.
It has allowed general and standalone health insurance companies to offer long-term health insurance products for a minimum period of one year and a maximum period of three years with no premium changes. These do not include personal accident and travel.
New India Assurance and General Insurance Corporation have obtained board approval from their respective boards for listing of their shares in an initial public offering (IPO). With the companies looking at selling around 10-15% of their equity, the government could raise close to Rs 10,000 crore from the sale of shares.
"Our board has already approved listing of the shares and we have sent our proposal to the government for approval," said G Srinivasan, Chairman New India Assurance. He said that he expected the company to go for a listing within six months of the government's approval. Although listing of these two public sector insurance was part of the budget announcement, typically PSU divestment is cleared by the cabinet.
The General Insurance Corporation (GIC Re) - the only reinsurance company in the country -has also obtained its board clearance for an IPO. This was disclosed by the corporation's chairman Alice Vaidyan while unveiling the financial performance.
Lloyd's of London chairman John Nelson has said the 325-year old insurance giant can help support the expansion of insurance penetration in India and limit the economic impacts of catastrophes and other major events that can hamper the growth of the insurance industry and the economy in general.
The world's largest insurance platform is gearing up to start its India operations in Mumbai by early 2017. Lloyd's has already applied for a license to insurance regulator IRDAI to operate in India and currently underwrites Indian business on an off-shore basis.
"We will start our India operation with just couple of syndicates and would scale up gradually. We would target 8-10 per cent growth in Indian markets,'' Nelson said. Currently Lloyd's underwrites around $175-200 million of business in different segments like marine, liability, property, aviation and energy.
The Comptroller and Auditor General (CAG) will conduct a performance audit of crop insurance schemes in nine states to examine the efficacy of providing relief to farmers in the event of crop damage.
The performance audit will include examination of records of Department of Agriculture Cooperation and Farmers Welfare, Agriculture Insurance Company of India Limited, State Agriculture Department and other departments, the RBI said while asking banks to provide access to related records to CAG.
"This audit is proposed to be conducted in Andhra Pradesh, Assam, Gujarat, Haryana, Himachal Pradesh, Odisha, Maharashtra, Rajasthan and Telangana with the help of the offices of the Principal Accountant General/Accountant General (Audit) in the respective states," the RBI said.
SBI Life Insurance has launched higher income individual focused market-linked life insurance plan - Smart Privilege.
The product provides both life insurance as well as the opportunity to increase wealth through investments in eight select funds (in any combination of customers choice), with the flexibility of fund switching and premium redirections, unlimited number of times, throughout the term of the plan, SBI Life said in a release.
The minimum entry age is 8 years for regular or limited premium policies and 13 years for single premium policies and the maximum age is 55 years. The policy term is 10 to 30 years for regular or limited premium policies and 5 to 30 years for single premium policies.
The premium paying frequency options are single, yearly, half yearly, quarterly and monthly.
Two of India's leading private-sector insurers are looking to raise over $1 billion this financial year in the sector's first initial public offerings (IPOs), as insurance companies' rush to take advantage of a change in ownership rules.
ICICI Prudential Life Insurance and HDFC Standard Life Insurance will likely be followed by SBI Life Insurance in reacting to a relaxation in foreign investment regulation last year that made share sales more feasible, in a country where most life insurers are part-foreign owned.
"The business potential for insurance companies is large. But too many players are in the market, competition is going up," said New Delhi-based R.K. Gupta, Managing Director at Taurus Asset Management.
Insurers, particularly those promoted by non-banking companies, are likely to see a major boost in insurance distribution, as banks can now start selling products of multiple insurers.
Future Generali Life, which did not have a bancassurance partner, announced a partnership with Saraswat Bank, which has a tie-up with HDFC Life for distribution of life insurance products.
Industry experts say that other non-bank-promoted insurers, such as Birla Sun Life, Reliance Life, Bajaj Allianz, Aegon Life and Shriram Life, are also likely to get into similar tie-ups with leading banks.
Nilesh Sathe, Member-Life at the Insurance Regulatory and Development Authority of India (IRDAI), said 25-30 banks will start distributing products of more than one insurer.
At present, most major public and private sector banks, such as State Bank of India, Union Bank of India, Bank of Baroda, Canara Bank, Bank of India, Punjab National Bank, Andhra Bank, ICICI Bank and IDBI Bank, have promoted insurance companies.
Edelweiss General Insurance Company (EGIC) cleared the first step in becoming an insurance company in India with the Insurance Regulatory and Development Authority of India (IRDAI) approving its registration application, as disclosed by Edelweiss Financial Services Ltd. in a corporate filing.
EGIC will be a wholly owned subsidiary of Edelweiss Financial Services Ltd., according to the corporate announcement.
Edelweiss mainly focuses on general insurance broking market and its services include risk monitoring and management in business firms, managing insurance portfolio, designing insurance programs for companies and management services.
The company also offers insurance products covering asset/property insurance, marine insurance, personal insurance, business interruption insurance, liability insurance and financial insurance.
Electronic insurance will become mandatory for annual premium equal to or above Rs 10,000 (single/annual premium) in life insurance policies. IRDAI in its Issuance of e-Insurance Policies Regulations, 2016, said these norms would come into force from October 1.
Customers would have an e-insurance account, which will be an electronic account opened by a person with an insurance repository where the portfolios of insurance policies of a policyholder are held in an electronic form.
IRDAI has asked every insurer soliciting insurance business through electronic mode to create an e-proposal form similar to the physical proposal form approved by IRDAI.
Such a form should enable capturing of information in electronic form that would enable easy processing and servicing. The e-proposal form will also have a provision to capture the electronic Insurance Account (eIA) number. Micro-insurance policies are exempt from these norms.
IRDAI is planning to put in place an insurance self-network platform which could be used by an agent to sell and service products on behalf of registered insurers.
"The insurance self-network platform will be available as a regular internet website or as a mobile app or both," Randip Singh Jagpal, Senior Joint Director, IRDAI, said.
The objective is to promote e-commerce in the insurance space, which will lower the cost of transacting insurance business and bring higher efficiencies and greater reach.
"E-commerce is seen as an effective medium to increase insurance penetration and bring financial inclusion in a cost-efficient manner," Jagpal said.
All products approved under the regulations will be allowed to be sold through these platforms and they should be prefixed with the letter "i-" to distinguish them from regular products.
From both the industry and consumer angles this move will have significant implications. Till now, only insurers and web-aggregators were allowed to sell online. But now, many others in the distribution chain will also be able to sell online, according to Sanjay Tripathy, Senior Executive Vice-President - Marketing, Product, Analytics Digital & E-commerce, HDFC Life.
"This is the first time that IRDAI has recognised such a platform with robust security features. Even differential pricing of products will be permitted," he said, adding that the move will help insurers cut costs.
Oriental Insurance has for the first time tied up with a private online insurance broker 'Coverfox' to sell its comprehensive motor insurance product for both four and two wheelers and for Coverfox too this is the first engagement with a public sector general insurer. Coverfox operates the online insurance portal coverfox.com.
Currently, auto insurance is the largest selling category for Coverfox. Founded in 2013, Coverfox sells insurance online and offers car, health, home and travel insurance.
Talking about the partnership, Varun Dua, CEO and Co-Founder, Coverfox.com, said, "We are indeed thrilled by this partnership with Oriental Insurance, one of the most prestigious PSUs (public sector units) in the insurance sector today."
"We appreciate the trust that Oriental Insurance has placed in us through this collaboration. This broadens and gives much-needed depth of choice to our customers",he added.
Coverfox is the second-largest online auto insurance provider in India. It also sells health and travel policies. It sells nearly 10,000 policies (auto, health and travel put together) a month and is witnessing steady growth of about 20 per cent month-on-month.
Insurance companies are enthusiastic about the proposed guidelines on selling and servicing of policies through e-commerce platform that aims to do away completely with any kind of physical intervention.
The Insurance Regulatory and Development Authority of India (IRDAI) has come out with the exposure draft on selling and servicing insurance policies through e-commerce platform for comments before final regulation is notified.
"This will go a long way in penetration of insurance products. It is a great effort and it will induce lot of benefits to the customers of smaller towns not encouraged by agents and advisors due to lack of adequate remuneration for them," Bajaj Capital group CEO and director Anil Kumar Chopra said.
Chopra said the country's accumulated number of issued polices is 12.5 crore and coverage of population will be far low as there would be multiple policies by a single person for health, motor and life.
National Insurance Corporation Chairman and Managing Director K. Sanath Kumar said the company is examining the e-commerce selling and servicing front.
With an increase in number of Indian tourists indulging in Adventure Sports like bungee jumping, parasailing and mountaineering, insurers see a new market. Bajaj Allianz has for the first time come out with a specialized personal accident policy to cover such risks, which until now were excluded.
The Global Personal Accident Cover is targeted at travelers who engage in adventure sports and allows them to choose from a host of covers, such as adventure sports, air ambulance evacuation and accident hospitalization. While most of the covers are available worldwide, the air ambulance evacuation is available only in India.
"The personal accident cover that is sold in India is a 40-year-old product. But the customer behaviour has changed considerably. Today, many travelers engage in adventure sport activities like bungee jumping or mountaineering. An accident would require immediate response within the golden hour, which is not available under the conventional policy," said Tapan Singhel, MD & CEO, Bajaj Allianz General Insurance.
For a premium of Rs 4,000, the policy covers personal accident cover up to Rs 50 lakh and will also cover accident hospitalization and air ambulance. In addition, the policyholder can also get EMI protection, where the insurance company will pay the monthly instalments of any personal loan taken by the insured. Singhel said that the cover is available for everyone within 70 years of age at the same premium. "We have seen senior citizens also engage in adventure sports," he said.
The new premium collected by life insurers rose by 26.6 per cent in May to Rs 10,610.10 crore. The insurers had collected new premium of Rs 8,382.67 crore in the same month of 2015.
Of all the 24 life insurers, private sector companies witnessed an increase of 25.8 per cent in new premium collection at Rs 3,248.35 crore for the month of May. It was at Rs 2,580.89 crore a year ago, data from insurance regulator IRDAI showed.
However, for Life Insurance Corporation of India (LIC), the collection from new premium rose to Rs 7,361.75 crore in May, up 27 per cent from the year-ago period. Its new business premium stood at Rs 5,801.78 crore in the same month of 2015. Among the top private sector performers, SBI Life, HDFC Standard Life, Exide Life, Kotak Mahindra Old Mutual Life showed healthy rise in their new business premium.
Their new collection rose to Rs 842.08 crore, up 156 per cent (from Rs 328.62 crore year ago); Rs 502.59 crore, up 38.3 per cent; Rs 127.46 crore, up 256 per cent and Rs 197.66 crore, up 41.4 per cent, respectively.
"We have effectively activated the various channels of our premium collection. Of the four-five such channels, individual agents and bank channels have been activated the most. Earlier the company was tapping potential from only a limited bank branches", Arijit Basu, MD & CEO SBI Life Insurance said.
Reliance Life Insurance's chief executive of three years, Anup Rau has quit the company, said three people familiar with the development.
Rau's exit from the company comes after it posted a Rs 200 crore loss for fiscal year 2016 and a possible dispute over priorities of the company as competition cripples growth, they added.
"Anup Rau has put in his papers that he quits due to differences over business goals with the management," said one of the people cited above. "Rau's focus was on improving reserves and persistency."
The company declined to comment about the issue and Anup Rau did not respond to calls and messages.
Indian life insurers are getting squeezed by competition from HDFC Life, Max, and Prudential who have turned aggressive after the government increased foreign direct investment to 49% from 26%.
Reliance Life's persistency, the proportion of policies that are kept alive, rose to 60% from 57% a year earlier. Yet another reason for the loss has also been a fall in income from unclaimed premium lying with the company.
Exide Life Insurance has announced India cricket team captain Mahendra Singh Dhoni as its brand ambassador. Dhoni, who represents the aspirations of millions, has a strong mass appeal and following compared to any other sporting icon in India, Exide Life Insurance said in a statement.
Dhoni has appeal that cuts across geography, gender and age groups, it said, adding, he is one of India's most celebrated cricketers, and the most successful captain of the Indian team and we are extremely excited to be associated with him.
Speaking about his partnership with Exide Life, Dhoni said, "This is my first endorsement deal in the insurance category. It helps Indians prepare financially for their long and happy life. Long term relationships build trust and I have always planned for the long term in all aspects of my life".
Heavy discounts in insurance segments such as group health would soon come under the scanner of the Insurance Regulatory and Development Authority of India (IRDAI).
The regulator has come up with a new set of norms for maintaining the solvency ratio of insurance companies, based on each line of business. For segments like health, motor and liability, the insurer would be required to maintain a higher solvency ratio since not only the premiums, the incurred claims are also high. With the regulator asking insurers to maintain higher solvency for these segments, insurance companies would be required to reinvent their business strategies.
According to IRDAI, Available Solvency Margin (ASM) is calculated as, the excess of value of assets over the value of liabilities. Solvency ratio means the ratio of the amount of ASM to the amount of required solvency margin. The higher the solvency ratio, the more financially sound a company is considered to be. The required solvency ratio, according to IRDAI norms, currently is 150 per cent, which is the minimum amount to be maintained at all times.
"Bigger insurers have made pricing so tough that it is difficult for others to offer such rates. Now with the regulator's command, these practices would have to discontinue since additional solvency has to be maintained if claims are high," said the head of underwriting at a mid-sized private general insurer.
IRDAI has granted special approval to 23 Cross Border Reinsurers (CBR) for the year 2016-17.
This will allow Indian insurers to make reinsurance placements with a large number of reinsurers. Cross-border reinsurers are those who do not have a physical presence in India but carry on reinsurance business with Indian insurance companies.
According to PJ Joseph, Member (Non-Life), IRDAI, approvals were given on the basis of submissions made by CBRs and the recommendations made by the insurers and GIC Re in line with the guidelines issued by the authority. The approved CBRs include Ingosstrakh Joint Stock Insurance Company (Russia), Asian Reinsurance Corporation (Thailand), Trust Re (Bahrain), United Overseas Insurance Company (Singapore), Equator Reinsurances Ltd (Bermuda), East Africa Reinsurance Company Ltd (Nairobi), Vietnam National Reinsurance Corporation (Vietnam), CICA Re (Kenya), Arab Insurance Group (Labuan) and Union Insurance Company (UAE), among others.
Reinsurance assumes significance as it is important to maintain solvency of the insurer and to ensure that the claims/other clauses are honoured as and when they arise.
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The harpsichord is decorated on the upper panel with a large urban scene with people. The instrument also contains two keyboards. digital.library.unt.edu/ark:/67531/metadc47554/


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Five-day Weather Forecast for Tampa, FL
Flu season is almost here so it's time to clear up a few flu shot myths that often spread faster than the flu.
Severe storms blasted south Australia on Sept. 28. Heavy rains left the streets flooded as you can see when these pedestrians were standing in the line of fire when a car drove past them.
A tornado swept through Layton, Utah, on Sept. 22, sending debris flying across the road. Fortunately, nobody was injured.
We laughed but do not recommend trying this during severe weather!
The scaffolding atop the Golden Plaza in Taichung, Taiwan, collapsed as Typhoon Megi swept through the region on Sept. 27.
A joey, or baby koala, was having trouble getting over a chainlink fence. Mum koala came to the rescue as a good parent should.
A new law in California makes it okay to break car windows if an animal is trapped inside an overheated car.
So what is the black moon? Click here to watch a quick explanation and find out when you can see it!
Sept. 29, 2016; 5:28 AM SpaceX CEO Elon Musk unveiled the company's Interplanetary Transport System for Mars colonization and beyond. Here's how it works.
Sep 27, 2016; 1:58 PM The lower left of this composite image, taken by NASA's Hubble Space Telescope, shows plumes of suspected water vapor erupting from Europa, one of Jupiter's moons.


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Volume 16. Bioseparation Engineering
1st Edition
- eBook ISBN 9780080528151
- Print ISBN 9780444504418
- Print ISBN 9780444545039
Print book
Print book
The scope of this book is based on the conference, and deals not only with recent advances in bioseparation engineering in a narrow sence, but also the environmental engineering which includes waste water treatment and bioremediation. The contributors of this book cover many disciplines such as chemical engineering, analytical chemistry, biochemistry, and microbiology.
Bioseparation Engineering will stimulate young engineers and scientists who will develop bioseparation engineering further in the 21st century, and contribute to a world-wide attention to the global environment


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Home > News > Testimony of Ray Kurzweil on the Societal Implications of Nanotechnology
April 14th, 2003
Testimony of Ray Kurzweil on the Societal Implications of Nanotechnology
Despite calls to relinquish research in nanotechnology, we will have no choice but to confront the challenge of guiding nanotechnology in a constructive direction. Advances in nanotechnology and related advanced technologies are inevitable. Any broad attempt to relinquish nanotechnology will only push it underground, which would interfere with the benefits while actually making the dangers worse.
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Nanotechnology is changing everything from medicine to self-healing buildings: Nanotechnology is so small it's measured in billionths of metres, and it is revolutionising every aspect of our lives April 2nd, 2016
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Technical Seminar at ANFoS 2012 August 22nd, 2012
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All Citizen label and barcode printers are designed with ease of use in mind and our new CL-S700 printer is no exception. In fact, we believe we have exceeded even our own high standards with our latest design. With its Clam Shell heavy duty Printer mechanism, it is a very robust label printer for many Factory & Warehouse applications.
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GF, Dairy Fee, Egg Free Cornbread
Total Time
Prep 10 mins
Cook 15 mins
I use Hodgson Mill cornmeal because it has a slightly larger grain and works well for this recipe. It is also non gmo! I based this recipe on the recipe on the back of the bag. Using a non old fashioned grain will make the final result a little more dense. The garbanzo bean flour helps it stick together without using an egg.
Ingredients Nutrition
12 12 Muffins US
- 1 1⁄2 cups yellow cornmeal
- 1⁄2 cup gluten free oat flour
- 1⁄2 cup garbanzo flour
- 1 1⁄2 teaspoons baking powder
- 1⁄2 teaspoon baking soda
- 1⁄4 cup brown sugar
- 1⁄4 teaspoon salt
- 1 cup almond milk or 1 cup cow milk or 1 cup buttermilk
- 1 tablespoon lemon juice (omit if using buttermilk )
- 1⁄2 cup unsweetened applesauce
- Pre heat oven too 400°F.
- Line 12 muffin tins with paper liners or spray the pan with no stick spray.
- If using almond milk or cows milk, add the tablespoon of lemon juice and mix well, set aside.
- Mix first 7 ingredients.
- Then add the almond milk or cow milk with lemon juice mixture or the buttermilk and applesauce.
- Mix until combined.
- Fill muffins tins 3/4 full.
- Bake for 15 min or until tops of muffins are golden.
- Remove from pan, serve immediately or cool on racks.


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Pregnancy & Fertility (38 Products)
Pregnancy & Fertility Aids Store Online
Being parents is the greatest responsibility a couple could have in life. If you are ready to take that responsibility and looking forward to bring the new member in your life, then with the help of medicines and fertility products that are available on our website - Indiatimes Shopping. Here you can find a wide range of products that will help you in the process of conceiving and planning a family. All these products are offered from the renowned brands, such as Fairhaven, Hashmi Herbal, Homecheck, Spermcheck and Pre-seed to name a few.
For men who are looking forward to optimise their reproductive health, increase sperm count and improve both sperm quality and motility, there are a variety of fertility aid capsules and detox capsules that will help in improving the health and concentration of your sperm. Test kits are also available that will check the concentration of sperm in semen.
For women, sometimes, trying to conceive becomes very difficult. Such situations can be sorted out with the help of pregnancy and fertility aid capsules that promote female hormonal balance and reproductive wellness, increases the quality and quantity of cervical mucus, supports fertility and optimises the chances to conceive. We also have ovulation test kits that can be used to measure your likely ovulation date, which increases your chance of conceiving. Increased vaginal dryness can be a big hindrance in the path of conceiving, which can be eliminated with the use of lubricants that will also help to facilitate conception by matching the qualities of fertile cervical mucus. On the other hand, the pregnancy test kits available here will give you the good news in the privacy and comfort of your own home.
A natural way to promote reproductive health and sexual vitality will be the regular intake of Virili tea for men and Fertili tea for women. Various combos of fertility and test kits are available on our website, so shop online for them now.


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A Prank Time Rated 4.6367 Stars Kooky hijinks! Things will never be the same. Comedy - Original Celles et Ceux des Cimes et Cieux Rated 4.5044 Stars Bande annonce type aventure/SF influencé par Miyazaki Moebius et syd mead. Action Peppa Pig and the Bacon Rated 4.2398 Stars Peppa discovers bacon Comedy - Parody Butt Butt Butt Rated 3.8461 Stars a Gotham parody Comedy - Parody
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One Chance Rated 4.1351 Stars You have six days left on earth. What choices will you make? Adventure - Other Break the Limits! Rated 4.2018 Stars You are trapped in a room and the only thing you can do is think. Adventure - Other Clicker Heroes Rated 4.2513 Stars An epic Clicker/Idle game with great production quality, graphics, and sound effects. Adventure - RPG Phoenotopia Rated 4.4963 Stars Journey with Gale on a quest to thwart evil and save her village! Adventure - RPG
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SECRET MEDAL 5 Points Unlock this medal to see it's details. Medal Stats.
Home 5 Points Find Fragment 2. Medal Stats.
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All These Demons 5 Points Find Fragment 1. Medal Stats.
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Die once 5 Points Die once Medal Stats.
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arena Added to bosses for Cathode Raybots Mar 10, 2013. Load Level
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The latest news and views about music in Milwaukee and beyond
Sound Bites - The 20th Anniversary Lollapalooza Lineup and Other Music Tidbits for April 26, 2011
Hey again all, Piet here with more Sound Bites. Here are some of the latest music tidbits going around today.
The Lollapalooza lineup went live at the stroke of midnight. Headliners for the megafestival, celebrating its 20th anniversary at Chicago's Grant Park in August, include Eminem, Foo Fighters, Coldplay and Muse (so amazing at Bradley last fall). Several acts, including Bright Eyes, Deftones, The Pains of Being Pure at Heart, My Morning Jacket, Arctic Monkeys, Flogging Molly, Titus Andronicus, Beats Antique, Cage The Elephant and Girl Talk, have either just had Milwaukee shows or will come to town this summer. But this is a good way to catch any acts you miss, and other stars like Cee Lo Green and Maynard James Keenan-fronted supergroup A Perfect Circle, in one weekend. Provided there aren't too many crushing conflicts (and word of warning, there's always some).
It's Tuesday, so loads of new music out today, including an album from country legend Emmylou Harris, who, it was just announced yesterday, is headling a Pabst show July 12. Presale starts Wednesday, tickets go on sale Friday. Also out is the new album "Fishin' for Woos" from Texas pop punk act Bowling for Soup, which headlines a Shank Hall show Sunday. »Read Full Blog Post(1)
Sound Bites - Bon Iver Books Riverside Show and Other Music Tidbits for April 25, 2011
Good morrow all, Piet here with my debut post for the JS's new Tuned In blog! I'm super stoked to be sharing music news and opinions with you all and plenty of exclusive content. Better yet, it will be awesome to hear back from you and to use this blog as a forum for your opinions. Comments are always welcome, and you can contact me directly at firstname.lastname@example.com, @pietlevy or find me on Facebook.
We'll get started with a feature called Sound Bites that'll list top music stories and local events for the day.
- As if the news of a new Bon Iver album wasn't exciting enough, words out this morning that Bon Iver will be performing a home state show at Riverside on Saturday, July 23. Tickets go on sale this Friday and are going for a reasonable $32.50. More details this morning at PabstTheater.org.
- Andy Samberg's Lonely Island isn't so lonesome anymore, thanks to special guests Justin Timberlake, Nicki Minaj, Rihanna, even Michael Bolton who'll all appear on its next album, reports Pitchfork
- Even if you didn't have $150 to buy a rare Flaming Lips gummi skull loaded with new music, you can hear the songs, sugar free, here at Consequence of Sound
- Summerfest headliners Sugarland has a video out for new single "Tonight" featuring lots of sofa and sheet stroking and hair blowing majestically in a mysterious indoor breeze
- Three shows tonight: Between the Buried and Me (The Rave); my personal pick FOALS (Turner Hall Ballroom); and Martha's Vineyard Ferries (featuring Bob Weston of Shellac and Mission of Burma) at Cactus Club
- Finally, local video production house High Frequency Media has a new local concert documentary on Vimeo now. "All Messed Up" chronicles the results when 30 Milwaukee and Madison musicians drew names from a hat, formed new bands, and wrote new music to perform at a 15 minute set last December. The doc's below. Heads up kids - there is some salty language.
Awesome all! If there's anything I missed you feel is worth mentioning, please sound off with a comment below. »Read Full Blog Post


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Products: Windows
WindowsThe Georgian Bar Co. designed a new solution for a Georgian style look on a double-glazed unit, which clips onto the window via a u-clip placed around the glass prior to beading. The company's Geo Fast system removes the problems associated with Georgian style windows and results in a clean, attractive finish, it reports. Geo Fast offers ease of installation, durability and aesthetic appeal... more »
WindowsDuring GlassBuild America, Aluplast US Corp. will showcase its full line of European systems, certified by the American Architectural Manufacturers Association and the National Fenestration Rating Council in multiple colors and options. The company's stock program offers both 60 millimeter and 80 mm frame configurations, with hardware and loaner tooling to efficiently handle quick and... more »
WindowsDeceuninck Inc.'s eos window system applies engineering and material science to create a new window standard for performance, economy and fabricator efficiency, the exhibitor reports. Making its debut at GlassBuild America 2014, eos is designed to meet the criteria for Energy Star 6.0, as well as its Most Efficient Window designation. The design features a telescoping welded sill and triple... more »
WindowsThe Altitude Window Series from Royal Building Products is available in casement, awning, fixed and hopper styles. The design achieves NAFS-08 CW Classification, making it suitable for residential and commercial applications. The extruded aluminum profiles on the exposed surfaces connect to a thermal insulation system in the window's core, providing projects with aluminum surface... more »
WindowsQuanex Building Products will host two 30-minute Express Learning sessions on the show floor Tuesday, Sept. 9, and Wednesday, Sept. 10, both at 2:30 p.m. The sessions will give attendees simple, easy-to-implement advice on how to optimize their websites and how to strategize their lead generation programs, respectively, Quanex reports. Products to be showcased in the Quanex booth include: C3-... more »
WindowsWeather Shield Windows & Doors expanded its architectural line, the Premium Series, to include a push-out casement unit. Available in standard sizes as large as 3 feet, 6 inches by 7 feet, and singles, multi-wide units or French configurations, the two side-by-sash unit does not have a center frame or rail to obstruct views when open. Matching transoms and pictures are available to complement... more »
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