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Mobile Link Catch the action and excitement at MassKara 2012 one more time! Do you miss all the outrageous fun we had in Bacolod? So do we! So, we're bringing the party back to you! Check out once again how BlackBerry Pilipinas spiced up the MassKara Festival with back-to-back roof deck parties at L'Fisher Hotel […]
BlackBerry Pilipinas celebrates MassKara 2012
Team Inspira, Grand Winner of BlackBerry JamHack 2012
The winner for the first simultaneous Asia Pacific (APAC) wide 40-hour Hackathon was announced during BlackBerry Jam Asia 2012 in Bangkok, Thailand. Team Inspira from Jakarta, led by Vincentius Putra, was choosen as the winner with their app Soccer Ticker. Soccer Ticker helps users stay updated with the latest football results and remain connected with friends at all times.
BlackBerry Jam Asia 2012 Highlights
Mobile Link Wish you were here? Check out the excitement on ground at BlackBerry Jam Asia held in Bangkok Thailand from 29-30 Nov 2012, where developers got a first-hand experience with the new Blackberry 10 devices! Thanks for coming to BB Jam Asia 2012 folks, and see you at the next one!
Video: BlackBerry Jam Asia 2012: BlackBerry 10
Mobile Link BlackBerry gives you 10K Reasons to Believe in BlackBerry 10. Developers at BlackBerry Jam Asia can't keep their hands off the device and are impressed by BlackBerry 10's interface that flows seamlessly into your life and allows you to get more out of life as you live it. Watch and see for […]
Video: BlackBerry Jam Asia 2012 – Day 1 Highlight Reel
Mobile Link Last night was crazy awesome with all of the great things coming out of Blackberry Jam Asia 2012. Research In Motion has published the above video on their YouTube channel offering highlights of day one of BlackBerry Jam.
Video: BlackBerry JamHack 2012 – Vietnam
Mobile Link Vietnamese BlackBerry developers were put through a seamless 40-hour challenge where they explore & experience the upcoming BlackBerry 10 and compete with each other to build apps for the new BlackBerry platform. The contest kicked off on October 19 attracting 23 teams comprising of over 130 professional developers, students and BlackBerry enthusiasts who […]
BlackBerry at Gartner Symposium ITxpo 2012 in Orlando
Mobile Link This year Research In Motion (RIM) attended the 2012 Gartner Symposium ITxpo along with hundreds of business professionals and industry analysts. The event featured sessions, workshops, roundtables, and keynote speeches on what's new and next in IT.
BlackBerry Jam Asia 2012 Headed to Bangkok, Thailand
BlackBerry Jam Asia 2012 is back on the road and headed to Bangkok, Thailand on November 29-30 at Queen Sirikit National Convention Centre! Why Jam with us? Carrying on with our commitment to the developer community, we are excited to provide a BlackBerry® 10 Dev Alpha testing device to qualified developers who attend BlackBerry Jam Asia! […]
2nd PinoyBBDev Hackathon 2012
Mobile Link The Philippine BlackBerry Developers' Group organized the 2nd PinoyBBDev Hackathon 2012 aimed at creating awareness on various technologies in developing applications for BlackBerry, showcasing the Filipino talent, and increasing Filipino-made applications.
BlackBerry was on Hand at the 2012 Toronto International Film Festival
Research In Motion was on hand the the 2012 Toronto International Film Festival. RIM had their on booth to show off BlackBerryas well as their support for the TIFF. Along with having a booth and showing their support, BlackBerry has their own app for the Toronto International Film Festival, you can download the app by […]
Stay Up to Date on the 2012 London Paralympic Games
The Official London 2012 Results app provides all the latest news, schedules and results, allowing users to keep up-to-date with the latest action across all Paralympic sports taking place between 30 August and 9 September 2012. Key features include results, live updates, calendar schedule, details of sports, medal tables and athlete profiles for the Paralympic […]
Catching Up with David J. Smith, SVP of Mobile Computing at BlackBerry World 2012
Mobile Link David J. Smith, Senior Vice President of Mobile Computing at Research In Motion (RIM), provides some perspective on mobile computing and how people connect with each other and the things around them. He also discusses BlackBerry PlayBook OS 2.0 and its important differentiators for the enterprise consumer.
Video: God's Will Mixing It Up on the Pacemaker DJ App at BlackBerry World 2012
Just the other day at BlackBerry World 2012, Jonas Norberg gave a sneak peak of what's to be expected of Pacemaker DJ application for PlayBook. The video in this article shows off the Pacemaker application being used in real time on the BlackBerry PlayBook by God's Will at the BlackBerry World Party. To give you […]
BlackBerry World Confrence 2012 App for PlayBook and BlackBerry Smartphone Updated to v3.0!
Conference Guide: BlackBerry World Confrence 2012 application has been updated to v3.0! The BlackBerry World™ Mobile Conference Guide is an easy way to look up the full breakout session catalog and read up on speakers and conference sponsors. As the event approaches, you will also be able to create your conference schedule and you won't […]
RIM Announces Wireless Achievement Award Finalists
RIM let us know that they have announced the finalists for its annual Wireless Achievement Awards. These awards demonstrate what can be done when organizations and their partners put BlackBerry solutions to work. This year's finalists have mobilized corporate systems to help increase performance, impacted their bottom line and simplified life for their employees and […]
Going to BlackBerry World? Check Out These Tips for Surviving BlackBerry World 2012!
With BlackBerry World one month away (May 1-3rd 2012) we are all prepping for the journey to Orlando Florida. We are not the only ones getting ready RIM has posted the following information on how to survive BlackBerry World 2012 on their Inside BlackBerry Blog! Hit the break to check them out!
Video: What Can We Expect to See at BlackBerry World 2012
With BlackBerry World 2012 around the corner, everyone including myself is wanting to know what can we expect to see at BB World 2012. We already know that RIM will be handing out a Limited Edition Developer Prototype Device – The BlackBerry 10 Dev Alpha to developers that attend BlackBerry 10 Jam!!! Hit the break […]
RIM to Announce Year-End and Fourth Quarter Fiscal 2012 Results on March 29, 2012
Waterloo, ON – Research In Motion Limited (RIM) (Nasdaq: RIMM; TSX: RIM) will be reporting results for the fourth quarter and year-end of fiscal 2012 on March 29, 2012 after the close of the market. A conference call and live webcast will be held beginning at 5 pm ET. The call can be accessed by […]
How To: Update BES Blackberry Smartphones with March 2012 Daylight Savings Time
RIM has just posted a new knowledge base article KB30209 for the March 2012 Daylight Savings Time (DST) update that is cumulative and includes updates to the following time zones. Hit the break for more info.


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Less than 24 hours after chief executive
The company said it was considering ''all options" for the long-term future of Nickel West, including "the potential sale of all or parts of the business".
In a note to Nickel West staff seen by Fairfax Media, Nickel West asset president Paul Harvey said suitors would soon be shown through the assets.
"The review includes evaluating the potential sale of all or parts of the business. As part of this process we will shortly be inviting third parties to visit our operations," he said.
Nickel West has in recent weeks been named among a group of non-core assets that are being primed for divestment by BHP, in the form of a new, spun-out entity that would be handed back to shareholders. BHP has never confirmed nor denied reports that it is considering such a demerger, but has said it is considering "structural" options to simplify its portfolio.
UBS analyst Glyn Lawcock said BHP's latest comments about Nickel West suggested it may be sold amid rising nickel prices, rather than included in the demerged group.
"It's an opportune time to try and sell it rather than demerge it right now given the improvement in the nickel market," he said.
Merged structure
Under BHP's merged structure, some assets are still technically held by Billiton in London, and some are still held by BHP in Australia. Fairfax Media reported in April that the vast majority of assets being primed for demerger were held by the Billiton entity.
Nickel West belongs to the Australian entity, and was acquired by BHP in its 2005 acquisition of Western Mining Corporation.
Mr Lawcock said BHP may be seeking to simplify its looming demerger by selling its Australian owned non-core assets like Nickel West.
"If you can trade sale [Nickel West], it potentially leaves the demerged vehicle full of Billiton assets only, which then makes an in specie distribution to [London] shareholders possible," he said.
"By spinning it out to shareholders in London, you don't have issues like stamp duty transfers from one entity to the other because they are already in that entity and it leaves you a clean entity to demerge."
If Australian-owned assets were excluded from the demerger, that would leave BHP's aluminium, manganese, Colombian nickel assets and South African coal assets as those primed for a possible demerged entity.
RBC Capital Markets has valued the Nickel West assets at about $US800 million ($852 million).
Shares in nickel miner
Western Areas shares up
Western Areas and
Western Areas closed 7¢ higher at $4.52, while Sirius fell 10.5¢ to $2.945.
BHP shares closed 34¢ higher at $38.30.
Mr Mackenzie spent Tuesday night addressing investors at a major conference in the US, where he said the case for simplifying BHP's portfolio was "compelling".
"The case for the continued simplification of our portfolio is compelling and it remains our priority," he said.
"Simplification will create a portfolio of unrivalled quality and be the catalyst for increased and accelerated productivity gains.
"Value is our priority, and we will get it right."
Many analysts expect to know significant details around the simplification campaign by the company's full-year results in August.
Mr Mackenzie also reiterated that large-scale mergers and acquisitions were highly unlikely during his term of leadership, with the company far more likely to focus on the high-return brownfield expansion options that exist within its own portfolio.
The Australian Financial Review

subset: commoncrawl


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Dorothy Dunne
Guess I missed the grandest Rockaway St. Patrick's Day Parade throughout the years: our bravest and finest heroes who marching proudly along with Mayor Michael Bloomberg; horse drawn carriages for the Marshals and Deputy Marshals, (one to make Breezy Point proud, Ronnie McCarthy. Congratulations, Ronnie, they couldn't have made a better choice). And antique cars. How fondly we remember the big beautiful Cadillac we all loved so well. Due to the production of my "Travels in Style" show in Santo Domingo, I wasn't able to be there. However, I can surely picture the grandeur of it all. I thank my cousin, Gladys Crowley for filling me in on some of the particulars and I am glad so many of you enjoyed this special St. Patrick's Day parade.
Sorry I didn't get my column out last week, but I will try to bring you up to the events missed last week
Many patrons of The Salon on 116th St were disappointed it closed. Have no fear their three chief operators are now at Studio "J" or better known as "Janet's". Specialists in highlighting and styling, Gerri, Diane and Natasha veterans in the beauty business over, at least seven years, are now servicing their old customers and some new ones at Janet's Seaside Beauty Salon where, if you get a manicure, pedicure, hair cut or coif by them or any member of Janet's qualified staff or by Gary who personally colors and cuts my hair regularly, you will receive a complimentary gift certificate for one FREE week at Cyber Zone gym next door. And, in turn, if you sign up for use of CyberZone exercise machines you will receive a complimentary certificate toward any of the services Studio "J" offers for hair or nails, makeover or whatever. I, in particular love the designs Janet paints on my nails. People often stop me to comment on them. And, the manicure lasts so long I can go almost three weeks before a new one though Janet does not recommend that. There is no discrimination in this beauty salon, either. They love to service the men as well as the women.
Before I left the city I attended the 53rd Annual Christopher Awards ("Better to light one candle than curse the darkness" is their known philosophy.) at the Time and Life Building. Awards were given to: A Beautiful Mind; Iris; Shrek and The Widow of St. Pierre movies. ABC 20/20 Mother Dolores; American Experience Abraham and Mary Lincoln: A House Divided; Band of Brothers (HBO) and JAZZ (PBS); The Lost Battalion (A&E); Taking Back Our Town (Lifetime TV); Uprising Miniseries (NBC-YV)) and WIT (HBO).
Looking glamorous in sparkling red was Ruby Dee who consented to pose with me. A special Christopher award was presented to former mayor Rudolf Giuliani in absentia. A lovely evening.
Since the downfall of furs, leather has taken center stage. Years ago one of my favorite guests on The Dorothy Dunne Show, seen twice weekly for 12 years on Manhattan Cable, was the President of The American Fur Industry, Sandy Blye. Sandy is now with Creative Marketing Plus Public Relations and one of their accounts is Indian Leather, actually The Council for Leather Exports and Kuehne and Nagel, Inc. I was just delighted to see Sandy again and especially to become aware of the exquisite leather products that are being imported to the USA. To tell you the truth, I did not expect to see anything startling. How surprised I was and so impressed with the quality of goods. Not only that, but the wholesale prices were unbelievable. I want to get the word out about this to put our local shops on alert. Don't pass up this opportunity to please the Rockaway customer with affordable leather jackets, shoes, bags, wallets etc. while you make a nice profit for your self. Give Sandy Blye a call at Creative Marketing Plus and I am sure, if you mention my name, she will take special care of you. You can see Sandy wearing one of the leather jackets in the photo with me.
Since you can park freely and easily on city streets on Sundays you might wish to venture into Manhattan, but not too far uptown. I can highly recommend a cozy little Italian restaurant off Houston Street at 264 Elizabeth Street, where they offer all the pasta you can eat, a large salad for only $11.95. I was there on a press invite called Soprano Sunday. Not only was the pasta delicious (I ordered mine with clam sauce and found nice fresh clams in their shell that were excellent), but that particular night the waiters sang and entertained us and Soprano look-a-likes were present. I managed to get "Tuna" to pose with me. While dining we listened to Dean Martin Records singing tunes such as "Amore'" and others. A nice evening in a very homey, friendly atmosphere with well prepared Italian pasta.
I spent the past week in Santo Domingo to produce my Travels in Style TV Show for Travelspan, one of the best tour operators to Santo Domingo with the best and lowest packages . Air & Hotel as low as $550. Air only, round trip, $249 on North American Airlines, the airline I traveled from New York to Santo Domingo. They have brand new planes with comfortable roomy seats and good tasty meals. We stayed first at the Melia Juan Dolio Hotel/Resort where they gave me a glorious corner room on the fifth floor overlooking the pool and the ocean. I turned off the air conditioner, open the sliding door to the terrace and was lulled to sleep by the soft tropical breezes and the sound of the ocean. Though only 250 rooms they have four restaurants: International, open for breakfast, lunch and dinner; outside Grill by the ocean; lunch and dinner; Italian and Mexican where you make your own tacos, as many as you wish.
Santo Domingo was celebrating their Independence Day with their annual Carnival. And what a Carnival it was. The Dominicans love to dress up and parade through the streets that day and they all do their own thing. In fact, you don't know which way to look. They parade both ways. And, music, music, music blasting through all the parade blocks. In fact you could not even hear the individual bands as they passed by the viewers. It was a fun time! We were then taken to the museums, Christopher Columbus' burial home, where his ashes lay, and a laser light beams above. We visited the most important building in America, the palace of Christopher Columbus; his son, Diego built it in 1510 but he left in 1577. Relatives donated artifacts to the palace museum. Though he had seven children: Fillipe, Maria, Juana, Isabelle, Louise, Christopher and Diego no more generations are left.
The weather in Santo Domingo is perfect, usually 72 degrees with tropical breezes to cool you when he temperature rises. Never uncomfortable.
Travelspan packages are the lowest and the best to Santa Domingo, Trinidad and Tobago. Pkgs as low as $550 for air and hotel and transfers etc. Seniors travel for less April 7 and 14 on NCL Norwegian Star 7 day round-trip from Hawaii save up to $950 NOW $699 for ages 55 and over.; 10 day Hawaii $949 for Seniors, Sept. 27, 2002; For all 7 day Canada /New England New York / Montreal $599 on Norwegian Sea 7 day Alaska Vancouver RT on Norwegian Wind July 1 , 2002 , $1.199; Oct. 15 10 day New England from Boston $999; s.s Norway Oceanview 7 day Caribbean from $539 Sept. 1-Oct.20;; Low Balcony and Suite Rates from $949 7 day Caribbean Sept 7-28; Norwegian Dream, 14 day Bermuda/Caribbean , Oct. 25 $1,299.; March 31 7 day Hawaii $699 on Norwegian Star.; July 22, 7 day Alaska $899; Aug. 19, 7 day Alaska from $849.; Jan 5, 2003 book inside , sail Ocean view from $789 , 7 day Caribbean; s.s Norway RT from Miami , 7 day Eastern Caribbean Oct. 27 -Nov. 17 from $449 as well as Dec. 1-Dec. 15; Nov. 16, Dec. 9 & 14 5 day Western Caribbean $399; London, round-trip NY/London $190.
More travel specials on WNYX-TV (UHF Chs. 26/35&39) e-mail, dorothydunne@yahoo,com
OR Give me a call and "AWAY WE GO"!!!


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Math Glossary
Math words translated to into every language! Audio for English and Spanish
Math WordsDon't know what a math word means? Mathwords has terms and formulas from beginning algebra to calculus. An interactive math dictionary with enough math words, math terms, math formulas, pictures, diagrams, tables, and examples to satisfy your inner math geek.
Graphing Calculator FREE
No graphing calculator? No Problem! This will give students a graphing calculator on their computer. Just follow the instructions (you should download the TI 83plus, it will be the first thing that comes up.)
Then follow the instructions below:
1. Click on the TI-83 Plus Flash Debugger icon
2. Click on File/ New
3. Click on Debug/ Go
4. Use the mouse to click on the calculator buttons
Linear Regression
Instructions on how to do linear regression on your graphing calculator.
Graphing Calculator Help Links
Download TI83/ TI84 Plus Calculator
Graphing Calculator General Instructions
Graphing Calculator Instructions: Regression and Correlation Coefficient
CAHSEE Test Prep
Login page for Revolution Prep. Here you can prepare for the California High School Exit Exam.
Get your login and password from your Math or English teacher.
Oakland High School Math Club
Do you find math interesting? Thinking about joining? Why not?! Be exposed to non-routine problems, strengthen your critical thinking, and get extra credit for your math class at the same time! We welcome all those who want to join. Just come to Ms. Garcia's room (220) at lunch time, every Tuesday - we'll be there!
Oakland East Bay Math Circle
The Oakland/East Bay Math Circle is a weekly after-school enrichment program specifically aimed at mathematically enthusiastic middle and high school student in the greater Oakland/East Bay Area. Ideal Math Circle students are excited about mathematics and have a desire to explore mathematical reasoning.
Oakland High School
We offer a solid college preparatory program and we routinely send graduates to notable public and private universities, including accreditation programs.


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Nanotech 2013 Vol. 3
Nanotechnology 2013: Bio Sensors, Instruments, Medical, Environment and Energy (Volume 3)
Chapter 10: Green Building & Materials
Evaluation of PCM-cardboard composite materials in dynamic thermal conditions
|M. Musitelli, P. Garbagnoli, M.V. Diamanti, B. Del Curto, M. Pedeferri
|Politecnico di Milano, IT
|720 - 723
|PCM, insulation, heat flows, thermostatic chamber
|In recent years, the use of smart materials to resolve environmental problems in building applications has been increasingly widespread. In particular, Phase Change Materials (PCMs) are used to improve thermal performance of air conditioning system and building insulation components. PCMs can be used to reduce energy consumption since they are able to store and release heat, stabilizing the thermal profile inside the building. In this work, previously developed composite panels made of PCMs dispersed in a cellulose matrix that derives from waste paper reclaim are studied. In particular, the evaluation of PCM-based composite material in dynamic thermal conditions will be presented and results compared to those obtained with commercial panels without the addition of PCMs. In order to simulate dynamic thermal conditions, a thermostatic chamber has been designed. The panel to be studied constitutes part of the frontal wall; inside the chamber, temperature and radiation profiles are tuned according to real conditions, while the temperature outside the chamber is maintained constant at room temperature. Several parameters are monitored: irradiation intensity, temperature inside the chamber and thermal flux across the panel. Results show the heat storage capacity of PCMs and their effect on improving the thermal insulation of a cellulose-based panel.
|Mail/Fax Form


text: I've been using the Nemesis IWB for the M&P Shield for the past couple of months. Works fine, but I've been planning to get a Remora to keep it even more securely in place. However I do like how easily I can reposition the Nemesis compared to a Remora I use with a different pistol.


text: 2009 DRAFT BUZZ: THE LATEST TRUTH, RUMOR AND SMOKE FROM AROUND THE LEAGUE April 18: Detroit wrapped up its first minicamp under the new management regime of G.M. Martin Mayhew and head coach Jim Schwartz with little said about where the Lions stand with regards to whom they will select with the opening pick at next weekend's draft. One curious note from the Lions' camp, though, was the fact the agents for Wake Forest LB Aaron Curry were conspicuously on the sidelines talking with team president Tom Lewand during one of the workouts. While the Lions are expected to take Georgia QB Matt Stafford with the #1 pick, they have had preliminary talks about contract parameters with other players including Curry and OTs Jason Smith of Baylor and Virginia's Eugene Monroe. Given that such contract talks are usually done very privately, if the Lions are in fact leaning toward Stafford, then being seen on the sidelines chatting with another agent might be seen as a gentle nudge to move things along. The other undercurrent to the Lions pre-draft negotiations which has raised a few eyebrows is the fact that both Stafford and Smith are represented by the same agent, which some see as a potential conflict of interest. Also note that the Lions are holding a big news conference tomorrow to unveil a new team logo and uniform changes, and there has been some speculation that they might introduce their choice for the #1 pick at that time, although that would appear to be something of a longshot at this time… Monday is the day that teams and players will be formally advised who failed drug tests at the scouting combine in February. There have been unconfirmed, but then later strongly denied, allegations that a number of top prospects tested positive for either marijuana or steroids… Jacksonville is reportedly close to finalizing a contract with former St. Louis Pro Bowl WR Torry Holt, who became a free agent when he was unceremoniously released in a salary cap move earlier this winter. While he is 33 and has had some recent knee troubles, Holt is still a quality receiver who should upgrade the Jaguars' receiver corps and could allow them to look at other positions such as an OT or DT with the 8th pick at the next week's draft. The Jaguars have the 8th pick overall an had been expected to be interested in either of WRs Michael Crabtree of Texas Tech or Missouri's Jeremy Maclin if they were still on the board at that time; the Jaguars, though are so thin at the position that they could conceivably take either of those receivers with their #1 pick even if Holt is ultimately signed… Those Braylon Edwards to the Giants rumblings got just a tad louder with news that Cleveland has scheduled a very last minute workout with Rutgers WR Kenny Britt on Friday the day before the draft. The Browns, of course, could simply be doing due diligence on a player they might take with their own second rounder the 36th pick overall, but that does seem awfully late in the process to be working out someone who has been there all along. That has led to specualtion that the Browns are checking him out just in case they do end up with the 29th pick from the Giants in a deal for Edwards. There has been growing speculation in recent days that the Browns ar leaning toward taking Texas Tech WR Michael Crabtree with the 5th pick, however, witha number of quality defensive players like Texas DE Brian Orakpo and Boston College DT B.J. Raji almost assuredly to be on the board at that point, the Browns could opt to defense with their first pick and then address WR with either the 29th or 36th selections. Meanwhile, at least given the out-of-town players they had in for pre-draft visits, the Giants looked like a team that didn't expect to be making a first round pick. Inded, not one of the players the Giants had in for visits is currently considered a solid first-round prospect. The Giants did have Britt in for a visit, however, he is considered a local prospect and didn't count among the team's allotted 30 out-of-town visits. The Giants had also planned o have Florida WR Percy Harvin in for a visit however, the former Gators' star apparently cancelled although no reason has been given. By the way, Britt reportedly didn't have a great workout with the Giants as he reportedly dropped a number of passes... Have a great Sunday!!!


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It's a fact. When markets constrict – and when growth slows and revenues come under pressure – the risks of corporate fraud and misconduct escalate. Across the workforce, the fear of losing jobs, bonuses and benefits can silently undermine corporate cultures – even those recognised for upholding a high standard of ethics, behaviours and values. For some people, "doing the right thing" is hard to live up to when unpaid bills start piling up on the kitchen table. And when some of the consequences of cutting costs take effect – like weaker enforcement of segregation-of-duties restrictions and fewer resources dedicated to the internal audit and compliance function – risks rise.
Are companies adequately prepared to forestall these events? Or respond immediately when they occur? Or remediate vulnerabilities quickly to minimise the risk of a repeat occurrence?
For many corporate risk managers, compliance officers, internal auditors and general counsels, the answer is often a cautious yes. This confidence, however tenuous, should make sense. After all, for the last several years of increased awareness of these issues, many companies have started implementing programmes and controls to prevent and detect fraudulent financial reporting, misappropriation of assets and criminal conduct in compliance with a rich tapestry of requirements.
When economic conditions decline, companies should proactively consider fraud risks – particularly those most common or unique to their industry and theatres of operation – as part of their anti-fraud programmes rather than waiting for government bodies, auditors, customers or the press to find fraud, waste or abuse.
With proper planning, policies and procedures, and controls, companies can reduce the risk of serious fraud, identify fraud occurrences early and minimise the damage thereof. A detailed fraud risk management programme can also help companies effectively respond to a fraud incident with appropriate investigation and remediation. As always, prevention is better than a cure. And the payoff can be significant.


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"With no word yet on whether the royal infant will be a boy or a girl," blogged Jennifer Lipman, comment editor of the Jewish Chronicle yesterday, "it's perhaps too premature to engage in a 'will-they-won't-they' debate over whether they will choose to circumcise their offspring, as was once a royal tradition."
Clearly not premature enough, as she goes on to speculate whether the Duke and Duchess of Cambridge's impending baby will be snipped.
The so-called "tradition" only dates back to George I, who imported the custom from his native Hanover.
Queen Victoria, convinced that the British royal family was descended from King David, had all her male offspring circumcised. The tradition continued through Edward VII, the Duke of Windsor and Prince Charles, who was circumcised by Rabbi Jacob Snowman at Buckingham Palace in 1948. His brothers Andrew and Edward were also circumcised.
According to Anthony Holden's biography of Prince Charles, Snowman was summoned to the palace five days after his christening. The rabbi was the official mohel of the London Jewish community and, even though he was in his eighties, he was chosen rather than the royal physician to perform the ritual.
Charles's wife Princess Diana was said to be opposed to the idea, and most royal observers believe she broke with 150 years of royal tradition by not having Princes William and Harry circumcised at birth.
- More about:
- Castles
- Prince Charles
- The Royal Family


text:
ED Magedson – Founder
Ripoff Report
Planes Moving & Storage of Dayton9370 Byers Rd Miamisburg, Ohio USA
Planes Moving & Storage of Dayton DAMAGED PROPERTY and REFUSAL OF RESTITUTION Miamisburg Ohio
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
AVOID THIS COMPANY unless you'd like to learn some underhanded tricks that companies like Planes Moving & Storage use to avoid taking responsibility for the damages they WILL cause. The movers damaged both my house and my shipped items, and despite testimonials from third party witnesses who saw the damage take place, photographic evidence of undamaged property (timestamped just prior to mover arrival), photographic evidence of damaged property (timestamped just after the movers left) Planes has been 100% committed a non-rectifying conclusion.
Sadly, I am ultimately to blame for falling for their slight-of-hand. After denying this damage to my face (after I witnessed it) the truck driver intentionally misinformed my wife how to "properly" fill out the damage form (it was incorrect in several areas), and because the form was incorrect, they refused payout, even despite the aforementioned evidence, which clearly indicates the Planes Moving Company is at fault.
From the first email detailing this encounter to the last, the planes employees were committed to not making amends regarding my property. There is no amount of protective measures or preparation you can do prevent Planes Moving & Storage from ripping you off, unless you feel like going to court, and they know this.
Do yourself a favor, and bring your money elsewhere - even if it happens to be thousands of dollars more expensive, you will ultimately protect your assets in the long run.
This report was posted on Ripoff Report on 09/22/2013 05:53 PM and is a permanent record located here: http://www.ripoffreport.com/reports/planes-moving-storage-of-dayton/miamisburg-ohio-45234/planes-moving-storage-of-dayton-damaged-property-and-refusal-of-restitution-miamisburg-1086520. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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text: Next Story > MoneyBeat Bill Ackman Loses About $410.7 Million on J.C. Penney By Matt Jarzemsky Aug 28, 2013 5:32 pm ET The final word on Bill Ackman's ill fated investment in J.C. Penney is in. He lost nearly half his money. To Read the Full Story, Subscribe or Sign In Previous Hedge Funds Emerge From The Bunker Next What Investors Should Do Now


text:
Room Types
Room Details and Amenities
Amenities (19)
- Room Service
- Alarm Clock
- Basic Bathroom Amenities
- Cable / Satellite / Pay TV available
- Ceiling Fan
- Telephone
- Breakfast Available (surcharge)
- Newspapers
- Housekeeping
- Luggage Rack
- Attached Bathroom
- Clothes Hook in Bathroom
- Complete Bedding
- Curtains/Shades
- Daily Room Cleaning
- Do-Not-Disturb Notice
- Dustbins
- Sufficient Lighting
Space Details
2 Adults
Quick Info
All rooms are comfortable with a nice environment.Clean and hygienic stay.Pleasant and nice room. Perfect blend of comfort ,hygiene and value for money in real sense.Rooms are spacious and comfortable room with modern amenities
|Offer Description
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|Bus ticket gets you upto 80% off* on hotels!
|Your Bus Ticket Number
|31st May 2017
|Get upto 70% off* on hotel bookings across India
|31st May 2017
Hotel Location
Hotel Amenities
- Front desk
- Room Service
Rating and Reviews


text:
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Mountain biking, as being the identify suggests, is normally a biking sport wherever bicycle-riders journey together http://promountainbiker.com. Biking as a result of a mountain terrain is pure pleasure, nonetheless it truly also has its share of working experience and exhilaration. The best-known spots for biking in mountainous surroundings have unpaved surfaces which usually means you must be an expert biker to actually working experience the entertaining.
Thinking of the point that their development, bicycles happen to become utilized on all terrains, which include rugged mountainous territories. Nonetheless, it were not until nineteen seventies that biking over the mountains became an structured activity. Teams of bicycle-riders from numerous pieces using the The usa played a pivotal work inside of the evolution of your thrilling biking-sport – experimenting with bikes of different helps make and modifying them to produce certain that they may just acquire the trials of riding through the uneven, craggy mountainous lands.
The Mountain Bicycle Corridor of Fame, even so, bestows the glory to the workforce of bikers in Marin County, California. The workforce (consisting of famed names inside this self-discipline like Gary Fisher, Joe Breeze, Keith Bontrager and Otis Human being amongst others) undertook bike-ride down Mount Tamalpais (Mt Tam) on aged thirties and 40s Schwinn bicycles retrofitted with sophisticated brakes and undesired fats tires.
The principal 'proper' mountain bicycle was developed by Joe Breeze in 1977. The present-day mountain bikes are depending on the bicycle extremely to start with promoted through the MountainBikes Corporation. The body with the particular bicycle was created by Tom Ritchey and it certainly was accessorized by Gary Fisher and Charlie Kelly.
Bikers commonly interact in 4 distinctive sorts of biking excursions although during the mountains:
one. Cross-Country (or XC) biking can be probably the most acquainted wide range mountain employing exercise and normally has one of the most variety of followers. The sport entails making use of among points or in loops. It involves ascents and descents on several terrains. (Cross-Country racing competitions are unique from cross-country biking). An average XC bike weighs some 22-28 lbs and it can be 0-4 inches of suspension journey entrance and rear.
two. Freeride will be the opposite preferred sort of biking in mountain trails. It restricts the biker without the need of obtaining precise rules instead makes it achievable for the rider to accomplish 'anything and everything' – downhill rides (with out clock), jumps, stunts – that need expertise and they're consequently suitable for gurus. Freeride biking requires the rider to assemble the bicycle according to benefit and magnificence, but these bikes absolutely really are a bit heavier (weighing between thirty and 40 lbs) and therefore are amply suspended (commonly has 6 inches of suspension entrance and rear).
three. Downhill, since the identify indicates, involves driving mountain bikes downhill. It can be ordinarily related with racing-oriented downhill driving. Downhill biking won't call for the rider to pedal up the hill. The bikers coupled with their bikes are transported up the hill with all the assistance of a truck or ski-lift. The downhill climb is in actual fact tough like jumps and drops and in addition actual physical hindrances. Challenging mentality, precise actual physical toughness, swiftness and mounted significant bikes weighing some 40-50 lbs bring about you to qualified for these races.


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Discussion in 'Off The Beaten Track' started by allezfred, Mar 1, 2014.
All sorts of awesome sauce
Some highlights:
I thought this only happened in USA courts
We're the 51st state!
I want to see the HUNKS OF DESIRE!!!!!!!!! They never appear at my local pub.
Just for you orientalplane!
Well thank you fred! Though I wish a couple of them had some hair on their chests.....
I go to such boring pubs.
This may not be such a bad thing, though.
something about complimentary chicken curry while people strip is just wrong
finger foods would be better
I think finger food might be a bit too classy.


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Contact Us
Email us: email@example.com
Connect with us:
{ 10 comments… read them below or add one }
- May 10, 2012 at 8:11 pm
I had heard about your new website "ModelMentors" but I had not had a chance to look at it until today when I received your email through STC. I think it is a good idea and I will recommend it to models who are working with me. Let me know about any photo shoots that you will be organizing. The last one occurred when I was vacationing in Las Vegas. That vacation was planned since last year. Stay in touch and let me know more about how this website develops.
Daniel Estrada
Estrada Photo
- May 30, 2012 at 5:17 pm
Hi, in your article what is a comp card you state the following:
There are tons of great companies that can print your high-quality comp cards, and mail them directly to your doorstep. If you are interested in a list of such companies, please check out our "Comp Card Company Directory" here.
However there wasn't a link there. And, I couldn't find it under your "resources tab". Could you send me that link to email@example.com?
Thanks, Robin Longchamps
- August 6, 2012 at 3:40 pm
Hi ! I'm 18 years old , and just moved to the upstate area of NY ,
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- October 17, 2012 at 6:23 pm
I have been doing research trying to find a way to start modeling. I want to be a model but i dont know how. If you can help me that would be greatly appreciated. Even getting an audition nearby is helpful.
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- February 28, 2013 at 4:57 am
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- April 18, 2013 at 4:47 am
I have a private question for a "MENTOR" can one of you please email me .. don't want to air it out public if you please .. thank you .. but it falls in your area of expertise and I need advice urgently. thank you dill
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FINANTA's CFO Job Description
FINANTA is currently accepting resumes for its CFO position until January 15, 2013.
FINANTA is a non-profit Community Development Financial Institution (CDFI) in Philadelphia, PA that provides business loans and technical assistance, mortgage counseling and first-time home mortgages, and credit-building or –repair services to city residents. By complementing access to capital with personalized technical assistance, FINANTA has distinguished itself as one of the region's top micro and small business lenders. We custom tailor our expertise to meet the needs of each individual client in a way that is uniquely conscious of the cultural, social, and lingual barriers facing the growing immigrant and minority populations in Philadelphia. Founded in 1996, FINANTA has loaned over $35 million to over 400 businesses and first-time homebuyers, helping to create and retain over 1,200 jobs and support 21 families in purchasing a home.
a) Accounting:
Manage and perform all accounting functions, including, but not limited to, payroll, invoicing, accounts receivable/payable tracking, costs allocation according to grant/contracts, banking and accounts reconciliation, entering all accounting data in Peachtree, preparing monthly financial statements and pertaining notes, purchases and inventory, annual budgeting, revenue/expense forecasting, cash flow administration, preparation for annual audit, reporting for vendor taxes yearly and grant/contracts as required, obtaining and maintaining adequate insurance coverage for all organization functions and components, and obtaining copies of certificates of renters' insurance from tenants.
b) Lending & Loan Portfolio:
Manage and perform all accounting for loan servicing, internal auditing of lending functions for compliance with corporate policy, and loan portfolio risk and collections.
c) Reporting & Contract Compliance:
Comply with FINANTA contract, loan and investment requirements, including timely reporting for each funding source.
d) Fundraising:
Manage and perform all revenue and expense forecasting for proposals/contracts, including drafting budgets and pertaining justifications.
e) Board & Committee Work:
Manage and perform all financial reporting for Board, including coordinating all activities for the Finance Committee. Report on portfolio risk to Credit Committee.
f) Staff:
Serve as a business partner to the president on the organization's financial, budgeting and administrative processes—including payroll, benefits, and timesheet controls continuously developing and improving systems. Train and manage staff assigned to support the CFO, such training to include familiarity with financial and accounting systems, and performing bookkeeping functions. Enroll new staff in organization's benefit plans and coordinate yearly plan renewals with the president.
g) Research:
Perform analysis of financial impact on the overall organization finances for new project/program development and implementation.
h) Business Technical Assistance:
Present the essentials of bookkeeping and financial statements for the organization's technical assistance workshops. Coordinate individual bookkeeping technical assistance with lenders.
i) Information controls:
Manage all input of accounting/portfolio information into organization's database, and report on accuracy of controls, performance and measurement indicators.
j) Qualifications:
The CFO will have at least five years of professional experience, including managing the finances and administration of non-profits or similar entities, and experience creating and driving the analytic framework for planning and managing organizational change in a highly entrepreneurial organization; and a Bachelor's degree in Business, Management, Finance or similar field.
The CFO will need:
1. Good people skills with experience collaborating in a multi-disciplinary, diverse, and dynamic team;
2. demonstrated experience in financial management and accounting, auditing processes and compliance, budgeting and forecasting;
3. demonstrated resourcefulness in setting priorities, proposing new ways of creating efficiencies, and guiding investment in people and systems;
4. proven effectiveness leading professionals in finance and accounting;
5. technological expertise and having worked with IT staff developing and implementing new processes and systems;
6. increasing efficiency in a demanding/fast-moving environment;
7. being flexible and a self-starter;
8. multi-tasking and being highly detail-oriented; and
9. personal qualities of integrity, credibility, and commitment to the organization.
k) Other:
§ Attend conference and workshops as required by funders or when deemed beneficial for the organization.
§ Tend to evening and weekend work as needed in order to meet deadlines.
§ Work with and support staff on all accounting reports they need in order to meet their requirements.
§ Participate in staff group meetings and provide input pertaining to the financial impact of program implementation.
§ Provide direction on compliance with funding source requirements.
§ Work with president, board chair and treasurer as necessary under strict financial accuracy and transparency.
§ Report on any and all financial irregularities or improprieties by board and/or staff, including, but not limited to conflict of interests.
§ Pay attention to detail.
II. JOB BENEFITS: Good Job Benefits & PTO
III. PROBATIONARY PERIOD: 6 Months
IV. SALARY: Based on Experience
V. POSITION AVAILABLE: Immediately
VI. HOW TO APPLY: Interested candidates are invited to submit a cover letter and resume to:
Luis Mora, President
1301 N. 2nd Street, Philadelphia, PA 19122
CDB-L list instructions at www.opportunityfinance.net/CDB-L


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The Exceptions
We've discussed various issues regarding the new constructive sale rules. If you've missed those articles, you might want to take the time to read them... just to get up to speed.
Moving forward, there are still a few items to review. While we have focused on the "short-against-the-box" strategy in prior articles, there are other ways that a "long" position can be hedged. Many investors use other transactions to hedge their positions. So, the question then becomes: "Do the constructive sale rules impact the use of these other financial transactions to hedge a position?"
The answer is "no"... or "yes"... or even "maybe." I guess the best answer is: "It all depends."
I'm personally waiting for the regulations from the IRS on this very issue. Those regulations will address these issues and how they relate to constructive sales. They'll also likely provide specific examples for various financial transactions.
But, as of this date, those regulations are still not published. So, since the regulations are not yet available, the best source of information is the General Explanation of Tax Legislation (commonly referred to as the "Blue Book"), which was prepared by the Staff of the Joint Committee on Taxation in consultation with the staffs of the House Committee on Ways and Means and the Senate Committee on Finance. If you are really interested in this subject, you should read the entire text at:
(You'll want to look for the 1997 Joint Committee on Taxation Blue Book -- General Explanation of Tax Legislation Enacted in 1997, JCS-23-97, December 17, 1997). It's some long reading, but you should be able to find the appropriate section (Part II, Title X, under the heading "Revenue Increase Provisions.")
Special Transactions
Remember that the constructive sale rules were implemented to impact transactions that had the effect of eliminating substantially all of your risk of loss and opportunity for income and gain with respect to the appreciated financial position. That's the standard and it's very clear. Applying this reasoning, Congress intended that transactions only reducing risk of loss or only reducing opportunity for gain would not be covered under the constructive sale rules.
Example: You hold an appreciated financial position in a stock. You then enter into a "put" with an exercise price equal to the current market price (an "at-the-money" option). Because such an option reduces only your risk of loss, and not your opportunity for gain, the above standard would not be met, and this would not be considered a constructive sale. Again, remember that the transactions the constructive sale rules affect are those that reduce both risk of loss and opportunity for gain. So, if you hedge only one end of the transaction, the constructive sale rules wouldn't apply.
Other financial positions might be affected. One is commonly called a "collar." In a collar, you commit to an option that requires you to sell a financial position at a fixed price (the "call strike price") and have the right to have your position purchased at a lower fixed price (the "put strike price").
Example: You enter into a collar for a stock currently trading at $100 with a put strike price of $95 and a call strike price of $110. The effect of the transaction is that you have transferred the rights to all gain above the $110 call strike price and all loss below the $95 put strike price. But, you have retained all risk of loss and opportunity for gain in the price range between $95 and $110. A collar can be a single contract or can be effected by using a combination of put and call options. So, while your gain and loss is eliminated above $110 and below $95, your gain or loss is alive and well between those two prices. Constructive sale?
Based on what we know, it's difficult to say if a collar will be treated as a constructive sale. I believe the IRS regulations will provide specific standards that take various factors into account with respect to the appreciated financial position, including its volatility. You can certainly expect that the regulations will review several aspects of the collar transaction. Important issues will include the spread between the put and call prices, the period of the transaction, and the extent to which the taxpayer retains the right to periodic payments on the appreciated financial position (such as the dividends on collared stock).
So, is your collar (which might be substantially different from mine) a constructive sale? That's up to you and the IRS (and likely your tax pro)... and your collective interpretation of the IRS code. This is one reason we are waiting for the regulations.
Another common transaction for which regulations would be helpful is a so-called "in-the-money" option. That is a put option where the strike price is significantly above the current market price, or a call option where the strike price is significantly below the current market price.
Example: You purchase a put option with a strike price of $120 for stock currently trading at $100. You have eliminated all risk of loss on the position for the option period. You may have also effectively transferred substantially all of the potential gain on the stock because you will only see gains if the share price goes above $120 per share. Constructive sale?
We'll have to wait for the regulations. I suspect they will provide a specific standard that takes into account many of the factors described above, including the yield and volatility of the stock and the period and other terms of the option.
Other Transactions
For collars, options, and some other transactions, one approach the IRS might take in issuing regulations is to rely on option prices and option pricing models. The price of an option represents the payment the market requires to eliminate risk of loss (for a put option) and to purchase the right to receive yield and gain (for a call option). Thus, option pricing offers one model for quantifying both the total risk of loss and opportunity for gain with respect to an appreciated financial position, as well as the proportions of these total amounts that the taxpayer has retained.
In addition to setting specific standards for tax treatment of these and other transactions, it may be appropriate for Treasury regulations to establish "safe harbor" rules for common financial transactions that do not result in constructive sale treatment. An example might be a collar with a sufficient spread between the put and call prices, a sufficiently limited period, and other relevant terms such that, regardless of the particular characteristics of the stock, the collar probably would not transfer substantially all risk of loss and opportunity for gain. But, only time will tell what the Treasury will place in the regulations. Again, that is why these regulations (and the guidance they'll provide) are desperately needed.
The good news: It appears that whatever regulations are written, they will be prospective and not retroactive. So, if you (or your tax pro) determine that one of your transactions is not a constructive sale, but the regulations (when finally issued) say that it is, you may very well be off the hook. It may not require a restatement of your transaction, or an amended return (if the transaction took place in a prior year). I would anticipate that the only regulations that will be applied retroactively are those necessary to prevent abuse.
As you can see, the entire constructive sale issue is very complicated... potentially one of the most complicated tax issues since the passive loss rules. If you are non-Foolish and use a bunch of financial transactions to hedge your various stock positions, you had better become very well-versed in the constructive sale rules. It'll certainly complicate your life. And, while you are waiting for the regulations, you had better at least read IRS Publication 550 and the section in that publication on the constructive sale rules.
But, for Fools, simple buy-and-hold investors who don't try to guess or time the market and hedge transactions, these complicated tax issues have no meaning whatsoever. They simply won't apply to you... and you can effectively ignore them. That should give you much more time to spend with your family and friends, rather than with brokerage statements, tax codes, and regulations. And, isn't that what Foolishness is really all about?


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Clarry Conners' bid to get Brisbane jockey Ric McMahon to ride for his Sydney stable has been thwarted by the Chilean volcanic ash cloud.
Conners booked McMahon for three rides at Warwick Farm on Wednesday with a view to a more permanent arrangement.
But with flights over eastern Australia cancelled or delayed, McMahon is unable to fulfil his first engagements for the Warwick Farm trainer.
Late on Tuesday, Conners was still to find replacement riders for Ruby Love, Casa Star and Ollein Blaze.
McMahon made a fleeting visit and an immediate impression two weeks ago when he won on Tamworth horse Altonio in his only ride at the Canterbury meeting.
Conners said he had been forced to search further afield due to the high demand for Sydney's leading riders.
"I've watched Ric ride over the years, he rode a winner at Canterbury a couple of weeks ago and I watched him again in Brisbane last week," Conners said.
"He can ride the weight and I'm sick and tired of ringing 18 riders trying to get a jockey each time."
A few years ago Conners lured Peter Robl to Sydney from the NSW Riverina region and they formed a successful combination.
"I got Peter Robl up here because I needed a rider," Conners said.
"You try and get the best riders and the big stables have got them.
"I'd like to get someone used to riding the horses, to get to know them and that can stay with them.
"As it is I'm constantly swapping and changing. It's only two of the main stables that can hang on to riders. Only Gai (Waterhouse) and Darley can get the same riders when they want them.
"I can get Nash (Rawiller) one day and he wins on a horse but then I can't get him for its next four starts."
Conners is hoping two-year-old Ruby Love can go one better than her debut second to the Gai Waterhouse-trained Queen Cleopatra when she runs in Wednesday's Casula Handicap (1200m).
"I think she ran super on debut," Conners said.
"The race was on a heavy track and she made up ground when it was hard to do so. With improvement out of that I expect her to run a nice race again."


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Ace Body Corporate ManagementNew South Wales Head OfficePhone: (02) 9818 6842Fax: (02) 9818 6343PO Box 191, Balmain, NSW, email@example.com
NSW Branches
New South Wales is Australia's 'Premier State' offering a wide variety of climates and a diversity of culture. NSW has more than 70,000 strata properties on title representing well over 660,000 units. The state capital, Sydney, is Australia's most popular and populated city. With constant high demand for housing, Sydney is forecasted to continue strong growth in the strata property sector.
New South Wales terminology may differ from other states strata management legislation. Strata Managers manage the common property of the Strata Scheme with the help of an Executive Committee. When buying and selling property, the vendor disclosure document for the Owners Corporation is the Section 109 Certificate, which will be in the Contract of Sale.
Ace Body Corporate Management has been a member of the state strata management institute, Strata Community Australia (NSW), since 2003. Membership with SCA (NSW) is compulsory for all Ace NSW strata managers. Ace NSW strata managers all have a NSW Strata and Community Management Licence and obtain the post nominal, Certified Practising Strata Manager (CPSM).
The legislation affecting owners corporations in NSW is Strata Schemes Management Act 1996, Strata Schemes (Freehold Development) Act 1973, Strata Schemes (Leasehold Developments) Act 1986, Property, Stock and Business Agents Act 2002, Community Land Management Act 1989, Strata Schemes Management Regulation 2005, Property, Stock and Business Agents Regulation 2003.
The dispute resolution body in NSW covering strata management is the Consumer, Trader & Tenancy Tribunal.
The Ace Body Corporate Management website has one of Australia's largest sources of information on strata management. Please browse the links in the side menu, including 'Strata Links' where you can download the relevant legislation and associated acts. For more information on strata management in NSW, please contact your local Ace strata manager under 'Contact Us'.


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California Wine Country Wedding from onelove photographyWhat do you get when you mix the creative juices of onelove photography and Joy de Vivre and place them in an exquisite vineyard to plan and capture the wedding of an Amazing Race winner? Pure once-in-a-lifetime magic, that's what. I adore every line
View CreditsRead More


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L'Oreal's Enhanced Julia Roberts Advertisement Banned by U.K. Watchdog
The U.K.'s Advertising Standards Authority banned advertisements by L'Oreal SA (OR)'s Maybelline New York and Lancome cosmetics brands for being misleading after complaints by a member of parliament.
The print advertisements, which feature digitally enhanced images of actress Julia Roberts and supermodel Christy Turlington, didn't accurately represent what Maybelline's The Eraser and Lancome's Teint Miracle foundations could achieve based on information supplied by the brands, the watchdog said today in separate statements on its website. Neither ad can appear again in its current form, the regulator said.
"Excessive airbrushing and digital manipulation techniques have become the norm," Jo Swinson, a Liberal Democratic MP who complained to the authority about the advertisements, said today in a statement. "This ban sends a powerful message to advertisers: Let's get back to reality."
Swinson is co-founder of the Campaign for Body Confidence, a lobbying group focused on mass media's depictions of women.
"We do not believe that the ad exaggerates the effect that can be achieved using this product," Liz Clark, a spokeswoman for Lancome, said in an e-mail. Her comments were echoed by a Maybelline spokeswoman in a separate e-mail who asked not to be named citing company policy.
To contact the reporter on this story: Andrew Roberts in Paris at email@example.com.
To contact the editor responsible for this story: Celeste Perri at email@example.com.


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ED Magedson – Founder
Ripoff Report
US Bank Mortgage4801 Frederica St Owensboro,, Kentucky USA
US Bank Mortgage will not cancel impound accout (my money) without credit report and `review' Owensboro, Kentucky
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
First off, I was in the mortgage industry for 35 years. I am now on SSDi. In August of 2013, USB approved my loan for a refi. It was a portfolio loan, meaning USB is keeping the loan. The amount was $84,000 with an appraisal of $151,000 (ordered by USB). I had escrow impounds on the loan. After some issues with USB NOT paying homeowners insurance, I contacted their customer service and asked them to release the impounds and I would pay my taxes and insurance myself, something I had always done on my numerous prior homes. They said they would send the release request. What I got, was a letter saying "the investor requires a credit report to release funds (my money)". But they agree USB is the investor! It is a portfolio loan! So I am supposed to pay for a new credit report for $12, and then they would `review' the account and decide if they would release the funds. Again, an impound account is basically a savings account, and it is my money, NOT theirs. There is no shortage in the escrow account. My loan is paid directly from my bank account, so it is paid early. No lates. I have fewcredit cards with the same zero balances as when I got the loan, with no lates. My credit was good enough 3 months ago to approve a bank loan (we know how hard that has become). Aside from that, there are only 3 reasons to run credit... applying for credit, for employment, or for collection. AND, an impound account is really a savings account that is FDIC inssured. It is MY money, not theirs! The form they sent me was for a mortgage application! I called Customer Service, and the answer was....yes, your taxes are paid, your h*o insurance is paid, but too bad. Pay for the credit report and review, take the hit on your credit scores due to another inquiry, or we will not release the funds that they agreed, were mine, not theirs. And, it is `up to them' to decide if they will release my own money.
This is bascically fiduciary blackmail. It's like a bank telling you they have to have a credit report to release funds from your own savings account. After 35 years in the industry, even I know this is illegal. I am considering filing a small claims action serving through a local branch, plus punitive damages.
Do NOT do a mortgage loan with this bank. Do not do any business with this bank.
This report was posted on Ripoff Report on 11/26/2013 09:18 PM and is a permanent record located here: http://www.ripoffreport.com/reports/us-bank-mortgage/owensboro-kentucky-42301/us-bank-mortgage-will-not-cancel-impound-accout-my-money-without-credit-report-and-rev-1102490. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Ever wish you could enjoy financial flexibility and payment options on your own terms? Prepaid credit cards can offer you just that. You can also find information on the cheapest auto insurance quotes. We think you'll agree that prepaid credit cards are the way of the future when it comes to personal financial flexibility. Our philosophy has not changed from day one: Youve just gotta take care of the people. What began as a modest $10,000 investment is now a respected corporation with close to a billion dollars in assets.
These days, consumers like you demand superior customer service and fast access to cash. Prepaid credit cards are no exception. There are plenty of reasons to consider prepaid credit cards as a means to replace cash in transactions and banking scenarios. A big selling point of prepaid cards is that almost anyone can get one and enjoy the countless benefits. You can use these versatile cards in all sorts of transactions and daily interactions. Don't wait any longer to experience the ease and enjoyment of prepaid debit cards.
In what follows, well give you some information on prepaid credit cards to help you decide which is right for you. Well also provide some helpful tips on using these cards responsibly, so you can continue to reap the benefits of your good credit. Finally, well give you the answers to some of the most commonly asked questions about prepaid credit cards. Dont miss out on this great opportunity
apply for your prepaid credit card today!
This may sound like a lofty goal, but if you make it a priority, it will boost your credit and keep you disciplined financially. This way, you will hesitate to charge items you cannot pay off in full each month. You can also avoid costly interest charges that accrue over time.


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Dear Mr. Bernanke: Fix the Housing Mess
When Federal Reserve Chairman Ben Bernanke heads to Capitol Hill on Sept. 20 to talk to members of the Financial Services Committee, he shouldn't be feeling too confident. True, the markets have rallied for two days following his surprising interest rate cut of a half-percentage point, which temporarily calmed fears of economic calamity. The purpose of these hearings, however, will be to address the steps that President George W. Bush proposed in late August to help homeowners avoid defaulting on mortgages.
Bernanke may be able to confidently convince policymakers that he has staved off economic disaster, but much work is still left to be done. Foreclosures have hit record levels—they were up a shocking 36% month to month in August—and are still climbing. Oversight of the lending industry leaves much to be desired. Whether the markets should continue to work out the excesses or the government should step in with more aid—either through monetary or fiscal policies—is very much an open question and one that the experts are debating vigorously.
Corrective Steps
Past housing downturns were sparked by recessions and job loss, and occurred mainly in local markets. Not this time. Years of lax lending standards and aggressive practices by Wall Street banks to fund risky loans have touched off a housing crisis that spans not only the U.S., but the globe.
As the excesses unravel, stocks and credit markets are reeling. Corporations can't find funding and the home loan business for anyone with less than pristine credit has evaporated. Bernanke and Treasury Secretary Hank Paulson are trying to restore confidence and liquidity in the markets. Still many are worried: Will it be enough?
The debate over the best public policy response is now at full throttle. Some argue for a laissez-faire approach, to allow the markets to work it out. The worst operators have gone out of business and the lenders still standing have seriously reined in bad practices. Big banks and institutional investors, such as hedge funds and foreign pension funds, have taken billion-dollar hits and reassessed their appetite for risk. Their losses, however, are likely rounding errors, vs. the "real human consequences" of record foreclosures, says Matthew Fellowes, from the Brookings Institution, a public-service think tank in Washington.
Pundit Poll
Despite mounting societal costs, few politicians or regulators seem to have the appetite for a full-scale bailout. After all, real estate speculators who threw caution to the wind wouldn't be held accountable. Nevertheless, soaring foreclosures will create a resource drain for local governments and neighborhoods that can afford them least, and that's got housing advocates and bankruptcy attorneys up in arms.
Some compromises are already on the table: Expand tax-exempt authority for state housing-finance agencies so that they can provide low-rate financing to at-risk homeowners. Or provide funding to expand support for the network of nonprofit housing counseling agencies and attorneys to assist those seeking to negotiate the restructuring of mortgage debt with their lenders and servicers. The Bush Administration recently announced changes to the Federal Housing Authority rules that will allow some middle- and lower-income borrowers to swap their high-cost loans for more affordable government-guaranteed mortgages. Yet that program will assist no more than 60,000 homeowners. It isn't likely to be enough.
What will be? To find out, BusinessWeek sampled a poll of housing pundits, economists, money managers, and bankruptcy attorneys on the consequences of the housing bubble and what must be done to prevent abuses of the lending system in the future.
Check out the BusinessWeek.com slide show for 14 experts' suggestions for solving the housing mess.


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Loss of water pressure in my house...
last night I had a frozen pipe. It was in my crawl space - about 6" in... it was the pipe leading to the hose bib... Anyway, I shut off the water pump (I have a well) and hot water heater as well as the main water shutoff until I could crawl around under the house to see what was wrong. I shut off the pipe that had burst under the house at a valve further in under the house - this valve feeds that pipe only... it is a shutoff I guess I should have used earlier! :(
Upon turing everything back on so that we had water everywhere else, I found that our water pressure has now dropped significantly. On the second floor, we get barely a trickle... Did I need to "bleed" the water pump (under the house) itself? What else could be wrong?:( PLEASE HELP!
What all is on the 2nd floor for the fixtures?
low water pressure
On the second floor there are 2 BR's - the MBR with a garden tub and shower and another with just a shower. both the garden tub and the shower in my BR have very low water pressure - It would take an hour to fill the tub... Since my last communication, I have also discovered that pressure is also very low in the first floor laundry room- the washing machine took 25 minutes to fill...
any ideas?
Is it possible that when you had the water off your main supply froze? Damn global warmin <sarcasim>. In other words is pressure low everywhere? if so, that would lead me to believe somthing is a miss in your main supply line. Maybe the shut-off you used is not fully open? is the main shut-off a 'ball valve' or a regular stem type valve? In other words is it one handle that you turn 45degres or is it a round handle you screw up and down? If its the latter maybe the washer fell off and is clogging up the valve.
I'm a city water guy and only know a little about pumps, pressure tanks and so forth. I suspect that the problem is somwhere on that end of the system.
I'm at a lose on this one, sounds like a valve is not fully open as mentioned.
Are you on a well or public water?
curiuos about this. What kind of pipe is supplying the house? Was any water drained from the waterheater while the water was off at the main? Water heater on ground floor? Are you sure you have no other leaks? Are you sure that valve only supplys the hose bib?
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Apple Studio Headset White
Powerful sound and great quality
€268,80 incl. VAT
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Viking No. 8029646 EAN/UPC 0848447001552 Basic Product Colour White Brand Apple Colour White Corded / Cordless Corded Earpiece Type Binaural Height 203 mm Length of Cable 1.30 m Material Leather, Metal, Plastic Model Studio Noise Cancelling Yes Product Type Headset Type of Headphone Over-the-head Warranty Manufacturer Apple, Inc Warranty Period 1 Jahr(e)
Free delivery
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text:
Do you believe in Karma?
Jun 22nd, 2012 by Autumn Sunshine
You get back what you "put out there" is how I think of Karma, though there are some different thoughts on that, as to what Karma is. Anyway, my way is sort of that simple thought "what goes around, comes around" …
Thoughts on Karma
I was talking with my Mom earlier, she'd come to visit and we were pulling weeds around my flower beds. We were just chit chatting as I call it. I asked her what she thought and why it seemed that some people do such mean things and yet they seem to breeze right along with no bad happening. She says that in time they will "pay the piper". Mom is very much down to earth and not naive, so she is kind yet not taken advantage of. She is way too nice though compared so some Mom's. I'm lucky with the parents I had/have, my Dad passed away in July 2003, and I miss him and all his words of wisdom.
What I don't really understand is why in the first place is why the "mean" people or not very kind sorts, don't just think before they act? Or are they just not equipped to do so? I never like to think that there is just not a little bit of goodness in everyone in the world. Yes, I am a dreamer, and I know it 🙂
So as my Mom and I chatted, I told her again that I was just so thankful for the way I was raised. I'm sure all my sisters feel the same way. We were brought up really well, and we knew that everyone is equal. Plus we were raised to treat others as we wanted to be treated. I think that it's not all that hard most of the time to be just nice and not be rude and all. That's yet again how I am, far from perfect, but I am not "mean" 🙂
What are your thoughts?"
I am always curious to what others think, we're all different. I think the human race has changed in some ways, but I like to think that everyone has at least a tiny bit of kindness and honesty.
Do you believe in Karma? Or what do you believe? I've really talked to some people, very few, that believe we can do whatever we want and nothing happens. Hmmmm, I don't agree with that one.
I wish you well and happiness and tell me what you think about Karma 🙂


text:
Writing a call represents a short call, which is a slightly bearish or neutral position. This strategy entails writing (selling) the call option with an obligation to sell a fixed number or amount of the underlying asset to the holder at a fixed price on or before a specific period of time. The trader or investor who executes this strategy is called the writer. The risk inherent of naked call option writing can be extremely high and always carries margin requirements.
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Selling calls has a very useful function when combined with a share portfolio. The strategy is called covered calls. Rather than selling your shares you can sell at-the-money calls and receive a premium. You can use your shares to produce a monthly income and if the share price is above where you sold the call you sell the shares anyway and receive the premium as well. This is a simplified version but in a sideways to up trending market is very profitable. This strategy will be discussed later in the course under a number of strategies including covered calls, collars and income strategy. Please contact me in the meantime if you wish to discuss trading this strategy.
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Notice: On March 31, it was announced that Statalist is moving from an email list to a forum. The old list will shut down on April 23, and its replacement, statalist.org is already up and running.
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st: graph with indicator variables
"Tsankova, Teodora" <firstname.lastname@example.com>
st: graph with indicator variables
Thu, 28 Feb 2013 16:54:28 -0000
I have actually done something similar or a time trend for event using
the -stripplot- command.
-----Original Message-----
From: email@example.com
[mailto:firstname.lastname@example.com] On Behalf Of Nahla
Sent: 28 February 2013 16:50
To: email@example.com
Subject: st: graph with indicator variables
Dear Statalist,
I want to graph the trend of a numerical variable S around a certain
event for different firms. For each firm the event occurs in a
different year, so I generated an indicator variable equal 1 for the
event year in each firm and called it T0 which could be year 2003 for
firm 1 but year 2008 for firm 2 , etc. I also generated an indicator
variable for year T-1 which represents the year preceding the event year
for each firm (e.g. would be year 2002 for firm 1, but 2007 for firm 2 )
, and variable year T+1 which represents the years following the event
year for each firm ( would be year 2004, but 2009 for firm 2, etc.). I
used lag and forward functions for T-1 and T+1.
How can graph the trend of variable S around along variables : T0, T-1,
T+1. Is it possible to have the S variable is on the Y-axis while
X-axis represents T0, T-1, and T+1 in one graph, and how?
Many thanks
Nahla Betelmal
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text:
big time water hammer
Hi guys,
A few years ago I installed a bathroom in my basement. When the fill valve in the toilet tanks shuts off I get serious water hammer. When I was running the piping I forgot to install an arrester in the stud cavity so I installed one later after the bathroom was finished and I noticed that I had a water hammer issue. I installed the arrester just before the shut-off valve for the toilet. After two different arresters and two different fill valves I still have a very loud hammer after flushing the toilet. I have no problems with the toilet upstairs and very little noise from any of the other appliances. The water pressure measured at the outside spigot is approx 66 psi. The bathroom is fed by a 3/4" line splitting off to 1/2" to feed the shower, sink and toilet.
Any ideas?
What kind of arrester did you install? Perhaps too small? They can fail as well.
It's a Sioux Chief Mini-Arrester. Size AA. I installed it Jan 08. It seemed to work for maybe a few weeks then the hammering started to get real loud. Maybe this one is too small?
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just wanted to see what the adverage was of beekeepers in here use in there hives, if you use more than one type foundation , just pick the one you have the most of in your hives.
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just wanted to see what the adverage was of beekeepers in here use in there hives, if you use more than one type foundation , just pick the one you have the most of in your hives.
I'm useing Pierco and I like them so for , this is my first year so not to much experiance to compair them with. I do have wooded frames with crimped wire foundation for supers and the bee's tend to propolize the wood alot more. just my 2 cents
I guess no foundation falls under 'Other'.
For now duragilt and some waxed rite-cell, but in the future I think I will be moving to foundationless with starter strips. Bees like to build it themselves! [img]tongue.gif[/img]
Duragilt here....
Another Vote for Other, being foundationless.
Do most folks run the same type of foundation in the brood chambers as they run up in the honey supers?
Rite-Cell amd Pierco and the last I got is black and what a differance it makes looking for eggs :D
We are converting to all coated plasticell from duraguilt. We have a Dadant warehouse nearby so plasticell is easy to get, easy to clean and reusuable. Since we have around 8,00 frames it makes sense for us.
None would have been a nice choice. [img]smile.gif[/img] But I actually do a mix of several things. Including PermaComb, starter strips, small cell and none.
tecumesh is old school so I exclusively use starndard foundation. me think it would have been good to have segregated plain and ripplewire foundation as two categories.
I'm like Michael, no single option in the poll fits my current situation- I use small cell wax in some hives, large cell wax in others, generally large cell in honey supers; some wax starter strips or half sheets, and (by accident) foundationless frames in a few cases [img]smile.gif[/img] \
thought there would have been more useing permacomb on this site, I should have put another selection : how many are useing 3 or more of the above. ;)
Plasticell. Yesterday I cut some of it down to one inch strips, removed the "wedge" in my wedged frames, and stapled them to the side of the empty wedge. I then waxed them. It was too easy. My queen source for splits fell through so I may have to wait till next year to try them out. Or perhaps I'll feed one hive just to see what they do with it.
I am a wood and wax man. I make my own foundation and know it is pesticide free. also a good point is I can make it as thick as I like so no wireing.
Don I think plastic not natural
Mostly I use none but I do use some starter strips. A nice choice might have been more than one of the above.
None... Unless pouring hot wax into the top slot is considered a starter strip.


text:
|Patriots Look Poised For Another Super Bowl Run
|Bruins Trade For Drew Stafford
|Black and Gold Bruins Turn Yellow On Parade Day
|Inconsistency Will Continue For Bruins Unless A Change Is Made
Another NBA season has come and gone and this one unfortunately ended without banner No. 18. I think now is the perfect time to take a look at the Celtics and what needs to be done to get them back to their rightful place on the NBA throne. Here are five things that I think will put the Celtics back in position to claim next year's NBA championship.
Obviously this is the biggest one. While nothing is definite, I think it is safe to say the Celts would have made a real run for the title if Kevin Garnett had been healthy for the playoffs. With that said, for Garnett to sit out the whole playoffs as intense as he is (I thought a couple times during the Bulls series he was going to walk on the court and sucker punch Joakim Noah), his injury was really serious. As sure as I am we would have won the title with Garnett, I am just as sure that we cannot win another championship without a healthy "Big Ticket."
Right now, our backup shooting guards and small forwards are: Tony Allen, Bill Walker, J.R. Giddens, and Eddie House. Not exactly a group that overwhelms you. Walker and Giddens have no experience. Allen is the worst player on our team. He is legitimately close to useless and anyone who argues Tony Allen could ever play extended minutes for a championship team is either delusional or related to him.
As much as I love Eddie, he is a shooting guard in a point guard's body. When Eddie's shot is on he's great but when it isn't falling there is no point to having him in the game. A guy like Matt Barnes or Ime Udoka could be a good addition at a decent price. Both guys would bring an athletic bigger wing player who can hit three pointers and defend, something the Celtics sorely missed after losing James Posey.
I may be in the minority here, but I think that by re-signing Glen "Big Baby" Davis and Leon Powe and with the return of KG, the Celts front court problems could be solved. The front court was exposed in the playoffs to a certain degree and the Mikki Moore signing was a flop on par with "Waterworld."
However, two good things came from the playoffs. The first being Big Baby's emergence. The second being that Brian Scalabrine actually played some important minutes and proved himself to be useful. Barring another injury, if the Celtics can bring back Powe and Big Baby, I think our front court will be set.
The backup point guard position has been a problem spot for the C's for the past two years. It's time that they resolved the issue. If they think Stephon Marbury can be that guy, then sign him and instill him in the spot for the whole season. I personally am iffy on whether or not he would be able to handle playing backup minutes for a whole season. However, I don't think he is going to be beating away potential suitors. He behaved himself while he was here last season and could be worth it. If Marbury can find his game, and I think there is a chance he could with a full training camp under his belt, then our point guard troubles will be resolved. If he is not back next season or plays poorly, then the picture becomes much less clear.
I think it is clear that the team is not sold on Eddie House as the backup point guard and for good reason. Gabe Pruitt is serviceable at best and certainly will not be playing big minutes for a championship caliber team next year. The point guard market this off season is somewhat sparse too. Anthony Carter and Royal Ivey are two guys who are available but they'll be taking offers from some other teams for probably more money than the Celtics want to spend.
Rajon Rondo emerged last season as one of the top point guards in the league. He showed a mean streak in the playoffs and an ability to fill up the stat sheet in a multitude of categories. Now, he needs to take the next step. With the Big Three getting another year older, Rondo will be relied on to carry more of a load next season. He must continue to improve his jump shot to a point where defenders can no longer sag off of him to double Paul Pierce, Ray Allen, or Garnett.
He must also develop his floater. A lot of times in the playoffs, particularly against Orlando, Rondo would make a good play and attack the basket. As a big man stepped out on him he would either drive too far and get blocked, force a pass, or take an awkward floater. While the floater was the right decision in most of those scenarios, Rondo didn't have the ability to make that shot yet with consistency, which caused the other problems.
If he can come back next season with a serviceable floater and a decent jumper, he could be in line for a monster season and his first all-star appearance, as well as his second championship.
Tags: Celtics, Glen Big Baby Davis, Kevin Garnett, Leon Powe, Rajon Rondo
Celtics 2009 Offseason Preview: Another NBA season has come and gone and this one unfortunately ended without ba.. http://tinyurl.com/n9fgey
I think Pruitt is too young to give up on, he's got some talent and the potenial to at least be a reserve. That said, I think the C's should avoid playing Rondo to death by filling in with a combo of House, Daniels and try to ease in Pruitt. If it doesn't work out, then go after a crusty old vet. Unless they can find a way to bring a Tyronn Lou here for cheap dollars, then they should hold off until the deadline. I truly believe Pruitt hasn't had a chance to shine yet, but (not to disrespect all you bloggers) I trust all Boston sports organizations (even the Bruins now) to know they will end up making the right decision. I just like to get an early jump on what that decision will be.


text:
Puberty talk at school
Posted by + Show Post
So tomorrow is the day. A video on puberty. I've already discussed puberty with my dd as she has been heading that route for about a year now. She is blooming and growing. No period yet. But any advice on any questions she might have? Anyone else been trough the video at school?
Posted on CafeMom Mobile
Replies (21-22):
DD hasn't seen it yet but it's coming up. She will let me know when they have it and we will talk about it. She already knows about the human reproductive system.
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text:
BlueScreenView scans all your minidump files created during 'blue screen of death' crashes, and displays the information about all crashes in one table. For each crash, BlueScreenView displays the minidump filename, the date/time of the crash, the basic crash information displayed in the blue screen (Bug Check Code and 4 parameters), and the details of the driver or module that possibly caused the crash (filename, product name, file description, and file version). For each crash displayed in the upper pane, you can view the details of the device drivers loaded during the crash in the lower pane. BlueScreenView also mark the drivers that their addresses found in the crash stack, so you can easily locate the suspected drivers that possibly caused the crash.
- Added Drag & Drop support: You can now drag a single MiniDump file from Explorer into the main window of BlueScreenView
- Fixed bug: BlueScreenView failed to remember the last size/position of the main window if it was not located in the primary monitor
Reviewing 1.46 (Sep 28, 2012)
great tool ! a must have !
Reviewing 1.40 (Sep 14, 2011)
I haven't had the blue screen of death in 10 years.
Reviewing 1.27 (Jun 29, 2010)
Another useful utility from Nirsoft. I use several other utilities by Nirsoft as well. Great tools, for the PC technician's tool kit.
Reviewing 1.20 (Dec 28, 2009)
Sweet, this version works with W7 64 bit, the last build wouldn't.
Reviewing 1.05 (Aug 19, 2009)
Good program (as usual from NirSoft). But WhoCrashed (http://www.resplendence.com/whocrashed), also freeware, is a better alternative.
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