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NEW YORK -- Tuesday night's game between the Detroit Tigers and the New York Yankees was postponed by rain and will be made up as part of a day-night doubleheader Wednesday.
The makeup game was slated for 1:05 p.m. ET, and the previously scheduled game remained at 7:05 p.m.
Chien-Ming Wang, who had been scheduled to pitch Tuesday for the Yankees, will pitch Wednesday's opener, followed by Jaret Wright, who originally had been slated to start Thursday. Randy Johnson was pushed back a day to Thursday's series finale.
Nate Robertson, Detroit's scheduled starter, was pushed back to Wednesday afternoon, and Wilfredo Ledezma remained scheduled for the night game.


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So next week has a certain meaning for millions of Americans that we relate to a story of indians and pilgrims gathering to have a meal together. While that story may be distorted from the historical … [Read more...] about Openly Thankful
Let's End the Community Council Entrenchment
Let's bring some change to the Community Council. A few of those running for Community Council have been on the council for years and not given up their seat to allow new ideas and fresh leadership to … [Read more...] about Let's End the Community Council Entrenchment
Review of Netgear Arlo
Netgear sent me their Netgear Arlo camera system making me one of their product ambassadors and wanted my honest feedback on the product, so I spent a few months now evaluating Netgear Arlo and here … [Read more...] about Review of Netgear Arlo
Help Us #SaveWiFi
Maybe you have not heard, but the Federal Communications Commission is currently considering a proposal which would allow the agency to regulate device manufacturers and make them lock down certain … [Read more...] about Help Us #SaveWiFi

subset: commoncrawl


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wikiHow to Determine Ante and Blinds in a Poker Game
Whenever you run a poker game, you want to try to get people to play hands as often as possible. The key to this is setting up fold-able blinds and ante that still compel players to stay in on weaker hands.
1Set chip values. Use dollar or euro values, even if it's a money-free game. The more different colors of chips you have, the better. If you can get your hands on five or six different colors so you can have chips with values of 1 or 5 and still have a total in the thousands.
2Set the ante value. This should be a percentage, based on the number of people left in the game, of total chips in circulation.
- Ten handed: the ante should be minuscule. So small that it is hardly felt - only 0.02% of the total.
- Nine handed: 0.04%.
- Eight handed: 0.1%.
- Seven handed: 0.2%.
- Six handed: 0.4%.
- Five handed: 0.8%.
- Four handed: 1.5%.
- Three handed: 2.5%.
- Two handed: 15%.
3Set the big blind values. Since the blinds move around the table, the sting of the big blind should be felt.
- Ten handed through six handed: the big blind should be twice the ante.
- Five handed: 1.5 times the ante.
- Four handed: 2%
- Three handed: 3%
- Two handed: no blinds
4Set the small blind - always equal to half the big blind.
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- Be prepared to run a few tournaments. You'll probably want to tweak these numbers a bit.
- These numbers are excellent for Texas Hold 'Em, Omaha Hold 'Em, Omaha Hi-Lo, Five Card Stud, and Seven Card Stud, because of the large number of betting rounds.
- People may get upset by this system during experimentation. Modify it to suit the desires of your poker playing crowd.


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Veterans Affairs, Veterans Health Administration Physician - Dermatology in Tomah, Wisconsin
Veterans Affairs, Veterans Health Administration
1 vacancy in the following location:
- Tomah, WI
Work Schedule is Full Time - Excepted Service Permanent
Opened Tuesday 9/6/2016 (213 day(s) ago)
** Closes Tuesday 9/5/2017 (151 day(s) away)
Job Overview
Vacancy Identification Number (VIN): 1794553
OUR MISSION: To fulfill President Lincoln's promise "To care for him who shall have borne the battle, and for his widow, and his orphan" by serving and honoring the men and women who are America's Veterans. How would you like to become a part of a team providing compassionate care to Veterans?
VAMC Tomah ( http://www.tomah.va.gov/ ) has been improving the health of the men and women who have so proudly served our nation. We consider it our privilege to serve your health care needs in any way we can. Services are available to veterans living in a Western/Central area of Wisconsin.
In addition to our main facility in Tomah, we offer services in four community-based outpatient clinics. These clinics are located in LaCrosse, Clark County, Wausau, and Wisconsin Rapids. VAMC Tomah is one of seven facilities that comprise Veterans Integrated Services Network 12 (VISN12) which is administratively headquartered at Hines, IL, and includes facilities in Illinois, Wisconsin, and Michigan.
Non-Citizens may apply and can be appointed when it's not possible to recruit qualified citizens for the position.
A Recruitment/Relocation Incentive may be authorized for highly qualified candidates.
The incumbent for this position may be eligible to apply for the Education Debt Reduction Program, depending on the type of employment, schedule, amount/type of qualifying debt, and funding availability. The employee will begin to receive the benefit upon acceptance into the program not backdated to the date employment begins. Please firstname.lastname@example.com* for more information.
The Department of Veterans Affairs is seeking the services of one (1) Board Certified/Board Eligible physician in Dermatology to work at the VA Medical Center, 500 East Veterans Street, Tomah, WI. This position is to provide Dermatology care at the Tomah VAMC. Services will be scheduled Monday through Friday, 8:00am to 4:30pm, unless otherwise arranged. The clinic hours of operation at the VA Medical Center Tomah are from 8:00 a.m. to 4:30 p.m., Monday through Friday, with a ½ hour lunch break that is unpaid. Federal holidays are excluded from normal clinic hours of operation. The Dermatologist will be granted clinical privileges for the VA based on his/her specific expertise. Work will commence immediately upon completion of credentialing and privileging, as well as, orientation.
This provider will support direct patient care needs at VAMC Tomah and outreach clinics. The Dermatologist will be required to work cooperatively with other physicians, advanced practice nurses, nurse practitioners, physician assistants, registered nurses, and a variety of allied health professionals to deliver comprehensive health care services to adult patients.
The physician will follow and meet all medical center policies, rules and regulations.
The physician is required to be certified in Basic Life Support (BLS) and to maintain the certification during their work at the medical center.
Function as a full team member of the interdisciplinary team serving patients at the VA facility. Assure health prevention and customer disease prevention practices are fully implemented for assigned patients. Assist the medical center in meeting all wait time performance measures.
An outpatient progress note or response to consult must be completed for each episode of care.
Initiate and facilitate treatment and transfer in emergency situations.
Follow-up office visits for existing dermatology problems and appropriate diagnostic tests and medication adjustments.
Referral of patients as needed to appropriate specialists and health care facilities.
Document assessments (plan of care and outcomes) for each patient in accordance with policies and procedures in a timely manner.
Act as a consultant in clinical practice.
Collaborate with other disciplines to ensure continuity of patient care.
Collaborate and act as a patient advocate.
Maintain knowledge of new and current clinical methods.
Complete medical record documentation using the computerized Patient Record System and available templates to assist in the process. No dictation system will be used to meet this requirement.
Work Schedule: 8:00 am - 4:30 pm, Full Time
Functional Statement Title/#: Physician
Travel Required
- Not Required
Relocation Authorized
- No
Job Requirements
Key Requirements
- Must pass pre-employment examination.
- Designated and/or Random Drug Testing required.
- Background and/or Security Investigation required.
- Selective Service Registration is required for males born after 12/31/1959.
- Must be proficient in written and spoken English.
Basic Requirements:
- Citizenship of the United States. Non citizens may be appointed when it is not possible to recruit qualified citizens in accordance with Department of Veterans Affairs policy.
- Degree of doctor of medicine or an equivalent degree resulting from a course of education in medicine or osteopathic medicine. The degree must have been obtained from one of the schools approved by the Department of Veterans Affairs for the year in which the course of study was completed.
- Current, full and unrestricted license to practice medicine or surgery in a State, Territory, or Commonwealth of the United States, or in the District of Columbia.
- Completion of a first-year residency, or its equivalent, approved by the Department of Veterans Affairs for the year in which it was completed.
- Proficiency in spoken and written English.
- Physical requirements outlined below.
Preferred Qualifications:
- Board Certified/Board Eligible
Experience refers to paid and unpaid experience, including volunteer work done through National Service programs (e.g., Peace Corps, AmeriCorps) and other organizations (e.g., professional; philanthropic; religions; spiritual; community; student; social). Volunteer work helps build critical competencies, knowledge, and skills and can provide valuable training and experience that translates directly to paid employment. You will receive credit for all qualifying experience, including volunteer experience.
Reference: VA Regulations, specifically VA Handbook 5005, Part II, Appendix G-2 Physician Qualification Standard. This can be found in the local Human Resources Office.
Note*:* Only education or degrees recognized by the U.S. Department of Education from accredited colleges, universities, schools, or institutions may be used to qualify for Federal employment. You can verify your education here: http://ope.ed.gov/accreditation/. If you are using foreign education to meet qualification requirements, you must send a Certificate of Foreign Equivalency with your transcript in order to receive credit for that education.
Physical Requirements: Walking, bending, stooping, and some lifting in the direct care of patients. There may also be extended periods of sitting.
This position is not required to file a financial disclosure report.
Security Clearance
Additional Information
What To Expect Next
After we receive application packages (including all required documents) and the vacancy announcement closes, we will review applications to ensure qualification and eligibility requirements are met. During our review, if your résumé and application package do not support your questionnaire answers, we will adjust your rating accordingly. After the review is complete, a referral certificate(s) is issued and applicants will be notified of their status by email (if provided); otherwise, applicants will receive a notification letter via the U.S. Postal Service. Referred applicants will be notified as such and may be contacted directly by the hiring office for an interview. All referred applicants receive a final notification once a selection decision has been made.
You may check the status of your application at any time by logging into your USAJOBS account and clicking on "Application Status." For a more detailed update of your status, click on "more information." Information regarding applicant notification points can be found in the USAJobs Resource Center.
The first list of eligible applicants will be pulled for referral on October 1, 2016. Subsequent referrals will be made every month after that date. Applications received after the first cut-off date, will be considered for the second cut-off, and so on throughout the life of the announcement and within your specific period of eligibility.
All applicants may receive consideration for 3 months from the date of application. If you wish to be considered after that period, and the announcement is still open to receive applications, you must re-apply to indicate your continued interest.
VA offers a comprehensive benefits package. The VHA physician brochure provides an overview of the benefits associated with a VA practice.
Annual leave shall accrue for full-time physicians at the rate of 26 days per leave year (1 day per pay period).
Other Information
It is the policy of the VA to not deny employment to those that have faced financial hardships or periods of unemployment.
This job opportunity announcement may be used to fill additional vacancies.
VA encourages persons with disabilities to apply.
The health related positions in VA are covered by Title 38, and are not covered by the Schedule A excepted appointment authority.
Salary Range: $200,000.00 to $400,000.00 / Per Year
Series & Grade: VM-0602-00/00
Supervisory Status: No
Who May Apply: United States Citizens (Non-citizens may be appointed when it is not possible to recruit qualified citizens).
Control Number: 449683600
Job Announcement Number: TM-16-AZ-1794553-BU-OCA


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To Put It Bluntly
Dear James Blunt, I remember the first time I saw you. It was an early morning in my small, stuffy apartment. I heard your voice calling from the living room, and I saw that gorgeous, angular, British-boy face. You stood on the beach in the "You're Beautiful" video on VH-1, and all you wanted was my heart. And I gave it to you. And now, jackass, I want it back. I allowed you to peel my panties right off with your sweet, earnest tenor and you went and peeled themalong with those of every middle-aged woman in the United States! I feel so used. I will be at your concert this Monday to retrieve them, because the panties and the proverbial yank from your paws are worth the $29 ticket and trip to the Nokia Theatre at 1001 Performance Place in Grand Prairie. Others who feel similarly violated can call 972-854-9111 or visit nokialivedfw.com.
Mon., May 8
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Love Story (Love Unexpectedly) by Lauren Layne
Overview by Publisher:
When Lucy Hawkins receives a job offer in San Francisco, she can't wait to spread her wings and leave her small Virginia hometown behind. Her close-knit family supports her as best they can, by handing over the keys to a station wagon that's seen better days. The catch? The cross-country trip comes with a traveling companion: her older brother's best friend, aka the guy who took Lucy's virginity hours before breaking her heart.
After spending the past four years and every last dime caring for his sick father, Reece Sullivan will do just about anything to break free of the painful memories—even if it means a two-week road trip with the one girl who's ever made it past his carefully guarded exterior. But after long days of bickering in the car turn into steamy nights in secluded motel rooms, Reece learns that, when it comes to Lucy, their story is far from over. And this time, they just might have a shot at a happy ending.
I was so thrilled to find out that a new Lauren Layne book came out! I have a serious crush on her books. They all feature sexy and witty dialogue, amazing characters and terrific plot. The Oxford and Stiletto series are just spine tingling good, so I had expectations for this new book.
She did not disappoint! This book can be read without reading any of her previous works, but really, if you haven't read any Lauren Layne you are missing out! This story features so many tropes that work really well. Reunited lovers, first love, enemies to lovers, this story has it all!
The story is told from alternating perspectives, which is something that the author does really well. I find it hard at times when a male perspective is presented by a female author because it doesn't always go well. Never fear! In this story, Reece's frustrations, energy and thoughts leap off the page and make the story well rounded.
Reece and Lucy grew up almost as siblings. Reece, a year older and best friends with her brother, has wanted Lucy for a long time. Three weeks before she leaves for college, they finally hook up. Things don't end well and they both nurture deep seeded grudges that make the two week car trip to California sheer torture. Once again, the brilliance of the author shines in this story by the method of how she reveals what happened in the past. Every few chapters, we get a glimpse of Reece and Lucy as children and as teenagers and slowly learn more about what happened for them to go from love to hate. It is such an effective tool that it kept me hooked the whole time I was reading.
You know a book is good when you start it and don't put it down until it's done. It was so clear that Lucy and Reece were meant for each other. Their snipes and digs at each other just ratcheted up the ferocious attraction between them. Both characters have flaws which makes them believable and relatable, but still immensely likable.
Sexy scenes? Check. Witty, biting dialogue? Check. Great plot? Check.


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This article is meant to explain the concepts of AI, deep learning, and neural networks at a level that can be understood by most non-practitioners, and can also serve as a reference or review for technical folks as well.
Artificial Intelligence (AI), deep learning, and neural networks represent incredibly exciting and powerful Machine Learning-based techniques used to solve many real-world problems. For a primer on machine learning, you may want to read this five-part series that I wrote.
While human-like deductive reasoning, inference, and decision-making by a computer is still a long time away, there have been remarkable gains in the application of AI techniques and associated algorithms.
The concepts discussed here are extremely technical, complex, and based on mathematics, statistics, probability theory, physics, signal processing, machine learning, computer science, psychology, linguistics, and neuroscience.
That said, this article is not meant to provide such a technical treatment, but rather to explain these concepts at a level that can be understood by most non-practitioners, and can also serve as a reference or review for technical folks as well.
The primary motivation and driving force for these areas of study, and for developing these techniques further, is that the solutions required to solve certain problems are incredibly complicated, not well understood, nor easy to determine manually.
Increasingly, we rely on these techniques and machine learning to solve these problems for us, without requiring explicit programming instructions. This is critical for two reasons. The first is that we likely wouldn't be able, or at least know how to write the programs required to model and solve many problems that AI techniques are able to solve. Second, even if we did know how to write the programs, they would be inordinately complex and nearly impossible to get right.
Luckily for us, machine learning and AI algorithms, along with properly selected and prepared training data, are able to do this for us.
So with that, let's get started!
In order to define AI, we must first define the concept of intelligence in general. A paraphrased definition based on Wikipedia is:
While there are many different definitions of intelligence, they all essentially involve learning, understanding, and the application of the knowledge learned to achieve one or more goals.
It's therefore a natural extension to say that AI can be described as intelligence exhibited by machines. So what does that mean exactly, when is it useful, and how does it work?
A familiar instance of an AI solution includes IBM's Watson, which was made famous by beating the two greatest Jeopardy champions in history, and is now being used as a question answering computing system for commercial applications. Apple's Siri andAmazon's Alexa are similar examples as well.
In addition to speech recognition and natural language (processing, generation, and understanding) applications, AI is also used for other recognition tasks (pattern, text, audio, image, video, facial, …), autonomous vehicles, medical diagnoses, gaming, search engines, spam filtering, crime fighting, marketing, robotics, remote sensing, computer vision, transportation, music recognition, classification, and so on.
Something worth mentioning is a concept known as the AI effect. This describes the case where once an AI application has become somewhat mainstream, it's no longer considered by many as AI. It happens because people's tendency is to no longer think of the solution as involving real intelligence, and only being a application of normal computing.
This despite the fact that these applications still fit the definition of AI regardless of widespread usage. The key takeaway here is that today's AI is not necessarily tomorrow's AI, at least not in some people's minds anyway.
There are many different goals of AI as mentioned, with different techniques used for each.
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The latest research from estate agent Savills shows that there are 58 stations on the Tube network where residential property prices average more than £1m. This staggering figure is up from just 11 in 2010 and clearly illustrates how the last five years have radically changed the property market in the capital, as demand from all over the world – combined with a lacking of new and other housing stock for sale – has pushed new areas into the millionaire league.
While many are in 'Prime Central London' – districts around Knightsbridge, Sloane Square and South Kensington, for example – there has been a ripple effect out to Zones 2 and 3 (such as Vauxhall, Finchley Road and Golders Green) and even out to Zone 6, where prices in leafy Moor Park exceed £1.6m on average.
Recent numbers from across the industry have shown that the rate of price growth in the prime areas has diminished considerably, and this may lead to areas outside the centre looking more attractive.
National housebuilder Redrow is now concentrating on suburban districts rather than the capital's super-prime central quarters. Founder Steve Morgan said: "You can divide London into two areas really. Central London has quite definitely softened since the stamp duty announcement, so high price properties have come off, but in the London markets, which I class 'London for the Londoners', where people actually live, demand continues to be very, very strong. It's definitely a two-tier London at the minute."
Here are some of the developments currently on offer around Greater London – and you don't have to be a millionaire to afford most of them!
This development of eight townhouses and one apartment is available under the Home2Home support initiative, a scheme through which purchasers are able to reserve a house at the development prior to the construction completion or the sale on their existing home. Martin Grant Homes will instruct an agent on the buyer's current property, support the marketing and negotiation process and cover all agent fees.
The three- and four-bedroom houses at Barrington Gardens will offer open-plan living spaces and beautifully appointed bedroom suites. All of the three bedroom townhouses are accessed from the street front and from the rear parking area, secured behind gates, where each of the houses has a private parking space. The four-bedroom homes are accessed from the street front, with a private parking space lying to the front of each home.
Barrington Gardens is a short walk from Balham's cosmopolitan bars, boutiques, restaurants and cafes and Balham station is less than a 10-minute walk from the development.
Prices: From £1.095m
Find out more at www.martingranthomes.co.uk ; 020 7228 8686
These luxurious properties have been designed to echo the grand façades of West London's traditional Edwardian and Victorian mansion block architecture. In fact, Hurlingham Walk is the first new build mansion-style development to join Fulham's architectural landscape since the 1930's.
The new Premier Collection comprises 12 (out of a total of 68) luxuriously finished apartments located on the fourth floor. All the properties have been designed with high ceilings, full-height doors to the balconies and great use of space and light. These enhanced homes will include superior finishes such as a fully fitted Sonos Sound System with built-in speakers in the living rooms, bedrooms and bathrooms; an Italian-style kitchen with marble worktops and integrated Miele appliances; comfort cooling in the bedrooms and sitting rooms; and underfloor heating throughout.
The Premier Collection also benefit from the security of restricted lift key access. There is also a dedicated concierge, 24-hour security, a private landscaped garden with infinity pond and courtyard accessible to residents-only and gated basement parking.
Prices: From £695,000
Find out more at http://whathou.se/V9l9Yu ; 020 3151 7844
Eighty per cent of the apartments have already sold here, so opportunities are limited to grab one of these one-, two- and three-bedroom properties on Blackfriars Road, just a short walk from the Thames.
Ideally suited to investors or young professionals sharing, each of the open-plan properties at The Residence either has a private balcony or terrace, as well as residents-only access to a landscaped rooftop garden.
Dylan May, Linden Homes South East land, sales and marketing director, says: "The Residence offers a particular chemistry of location and quality that has really caught the attention. People can see that the apartments offer an exclusive lifestyle, not just a high quality home.
Prices: From £765,000
Find out more at www.lindenhomes.co.uk ; 02035 533 866
Currently available at Jessop's Building is a selection of one- and two-bedroom apartments offering spacious accommodation, with balconies to most apartments. The homes are available through a shared ownership scheme which allows buyers to purchase between 25% and 75% of the property, paying subsidised rent on the remainder. The scheme is specifically designed for first time buyers whose household income is less than £71,000 a year and priority will be given to those who live or work in Tower Hamlets.
The area is bustling with an array of eateries and bars, hotels and leisure facilities, all in the shadow of Canary Wharf. Across the river, the O2 Arena boasts one of the largest live venues, home to various sports and entertainment shows, as well as a choice of bars and restaurants, cinema and the famous Indigo2 nightclub. Less than 30 minutes away from New Providence Wharf by tube is Westfield Stratford City, the largest urban shopping mall in Europe, boasting over 500 shops, a cinema, bowling alley and casino.
Prices: From £95,563 (25% share)
Find out more at www.genesishahomes.org.uk ; 0800 954 0040
This is a bespoke collection of five new townhouses in the heart of Marylebone, W1. Each house provides four thoughtfully designed floors of luxurious and meticulously selected finishes, as well as a private parking garage and balconies, set in a sought-after central London address close to the West End and with a multitude of transport connections within a few minutes' walk.
The textured brick façade of the townhouses boasts clean lines, highlighted with rich timber, for depth of character and a welcoming feel. Step inside and there is an immediate feeling of spaciousness, coupled with a sense of privacy and warmth.
Prices: From £3.8million
Find out more at www.druce.com ; 020 7935 6535
L&Q is currently selling a collection of three one-bedroom apartments and six two-bedroom properties at Stratford Gate, with a minimum 35% share under the government-backed shared ownership scheme. The development offers local renters a chance to step onto the property ladder in this highly desirable location, which just a short walk from Stratford station and the former Olympic Park.
The legacy of London 2012 places Stratford Gate at the heart of Stratford with the wealth of shops in Westfield, the leisure facilities of the Queen Elizabeth Olympic Park and the excellent transport links that connect Stratford to central London, and the surrounding boroughs and counties.
Prices: From £110,025 (35% share)
Find out more at lqpricedin.co.uk ; 0844 406 8706
Located at the heart of a thriving new community in South London, Rosendale Road is at the centre of popular areas Herne Hill, Brixton, Dulwich and Camberwell. The development comprises a collection of two-bedroom apartments and cottages which border Brockwell Park, home to Brockwell Lido, endearingly known as 'Brixton's Beach'. This much-loved local landmark is famed for its Olympic-size 50-metre pool, surrounded by a superb Grade II listed art deco building, which now houses a state-of-the-art gym and studios.
Apartments boast private balconies and cottages with rear turfed lawns and timber picket fencing at the front. Each home is completed to a high specification, with integrated Bosch appliances, Kahrs Oak Weimar parquet flooring and brushed steel switches and sockets
Herne Hill station just a 10-minute walk away and there are National Rail and tube services in the surrounding area in Dulwich and Brixton.
Prices: From £480,000
Find out more at www.peabodysales.co.uk ; 020 7226 6611
This new development of 128 new and refurbished homes in the sought-after London village of Hampstead, which is launching this month, has been influenced by a unique relationship between the developer and the Hampstead School of Art (HSoA).
Set in 2.4 acres of landscaped gardens, Kidderpore Green is centred on a new state-of-the-art pavilion for the HSoA that will not only enable it to honour its ethos as an independent institution for artistic excellence but provide a heart for the new residential community around it.
Designed by Allies & Morrison, the new-build villa apartments will complement the conversion of the Caroline Skeel Library into apartments and penthouses and the refurbishment of the existing Arts and Craft buildings into duplexes.
The first homes will be ready to move into this autumn, with full completion early in 2017.
Prices: From £675,000
Find out more at www.barrattlondon.com/kidderporegreen ; 0844 811 4321
Launching on 19 September is this development in the borough of Bromley from the award-winning developer.
Set behind gates on West Common Road, the former Grade II listed office building will be sensitively converted into a collection of heritage apartments with style and individuality, while nine new and impressive mews houses and six luxury detached houses will be built in the six acres of grounds. All homes will have views over the green open space and historic lawn area.
Specialist architects, Formation Architects, will retain and restore period features, in the listed apartment building. The architects have experience of working on high-profile listed buildings including Lots Road Power Station, The Berkeley Hotel and The Langham. Another award-winning company, Alexander James, will create the interiors in the contemporary show home.
Prices: From £525,000
Find out more at www.londonsquare.co.uk ; 0333 666 2636


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In recent years there has been a growing polarisation in the quoted sector between big and small companies, and between perceived sunset and sunrise sectors. If your company happens to be a small or medium sized enterprise in an out of favour sector, then your chances of using the equity markets to fund expansion at a reasonable rate are virtually nil. Plainly it is much worse than this, however. Rebus is in a glamourous sector, IT, but it is also small so it is still being afforded a stock market rating so low that its advisers cannot recommend use of equity to fund growth.
What's the point of being subjected to the disciplines of a publicly quoted company, many managements are asking themselves, if we cannot avail ourselves of the benefits of the capital markets? This sort of question is now being posed with such regularity by smaller companies that it is no longer possible to write these complaints off as the whinging of underperforming executives.
Many smaller companies feel themselves trapped in a vicious circle of decline; if they don't achieve a reasonable stock market rating, they don't get access to capital and will for ever remain small. So they have to adopt a strategy consistent with generating good short term growth and delivering on budgets set by others - namely the short term earnings forecasts of City analysts. This in turn necessitates a short term investment strategy within the company, which tends to mean it can never break free of whichever narrow business perspective it is locked into.
In such circumstances, the attractions of venture capital are obvious. Ironically, most buyout capital comes from the very institutions that in their stock market dealings are applying these short termist pressures; there is, however, a small part of each portfolio which is allocated to longer term, more illiquid investment.
As a consequence, there is a certain amount of robbing Peter to pay Paul going on here. In the past, the big institutions were reluctant to accept venture capital bids on the grounds that any company buying itself must be worth more than it is paying. In the last year or two that perception has changed. The underperformance of smaller company shares has made many keen to sell at almost any price, further depressing the value of these companies.
For big institutions with an interest in the venture capital industry, the process is a zero sum game, since they can expect a share of the higher returns these companies might earn as privately owned entities. The venture capitalist also has the opportunity much more effectively to bring about consolidation and management change than would have been possible in the quoted sector.
Unfortunately, this is a process in which the retail investor can rarely participate. All too often small private investors are being forced out at an undervaluation. Later, on the other hand, they are asked to participate in the inflated valuations at which these companies return to the stock market. The capital markets are not meant to work in this discriminatory and unfair manner.
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Flying Masturbator
Mixing instructions:
Pour the vodka and amaretto into the cup first. Then, add OJ until the cup is about half full and add cranberry juice until the glass is about 3/4 full. Add ice to fill the cup, then shake the drink vigorously for a few seconds. Enjoy.
Creator/contributor's comments:
This drink was invented in the Bahamas by John Ackerman
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AUSTIN (AP) The University of Texas can claim another national title — first in merchandising.
Bolstered by a national football championship, Texas led the nation in licensing revenue and set a record with $8.2 million in royalties from 2005 to 2006, according to the company that handles merchandise licensing for 82 Division I-A institutions.
The record sales mark the first time Texas has been first in royalties, knocking North Carolina from No. 1 for the first time in five years.
"It's kind of that perfect storm, and we were able to capitalize on it," said Craig Westemeier, Texas director of trademark licensing. "Everything had to go just right, and it did."
Michigan held the previous record of $6.2 million in 1993-94, set during the school's "Fab Five" basketball era, which included NBA star Chris Webber.
Michigan finished second to Texas, according to Collegiate Licensing Co.; Notre Dame, Georgia and North Carolina rounded out the top five.
Schools that use other licensing companies or are independent include Ohio State, Southern California and Texas A&M. Revenues from those schools were not included in the rankings.
Besides the Longhorns' first football title since 1969, a College World Series in 2003 also helped boost royalties by 103%. Because the school owns the trademarks, the money goes to the entire university and not just the athletics department.
T-shirts were the top-sellers for Texas, followed by hats. After the Longhorns beat Southern California in the Rose Bowl, the school's 450 licensees sold everything from key chains to minihelmets to a Waterford crystal football. Even head coach Mack Brown's photo on Wheaties cereal boxes brought in money.
The university's standard royalty rate is 8% of each licensed item sold and 12% on national-championship items.
Derek Eiler, chief operating officer for the Collegiate Licensing Co., said pent-up demand fueled sales because Texas hadn't won a football championship in more than 30 years.
"The fan is the guy who'll buy six Longhorn shirts," Eiler said. "Then, there's fashion. Carolina had it with Carolina blue and the Michael Jordan thing. Texas happens to be experiencing that now; people think the Longhorn logo is cool."
Copyright 2006 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


text:
I'm Jemima Kingsley, a cartoonist and illustrator based in London. Take a look at my cartoons.
I also design t-shirts, brooches, mugs, prints and greeting cards and these are in my shop.
If you're interested about my life outside cartooning and illustration, that's all on Bojates.
- My wooden animal brooches have arrived! You can see them in my little shop.


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Mr & Mrs Herd, Greater Manchester
After two years of other agents failing to sell our home, we had at last found the right team. You certainly put all other agents in the shade.
It is important to note that this mortgage calculator is for guidance purposes only. Mortgage lenders have their own affordability criteria therefore it is important you speak to one of our Mortgage Advisers for further information and a more accurate indication of what products may be available to you and what your monthly mortgage payments are likely to be.
NO CHAIN2 BEDROOM TOWN CENTRE APARTMENTOPEN PLAN LIVING SPACEALLOCATED GATED PARKINGINTERCOM SYSTEM......Perfectly located for the town centre and easy access to both the railway station and the A1M. In brief the property provides spacious open plan lounge/kitchen, 2 good sized bedrooms and a house bathroom. Externally there is allocated parking and secure electric gates. Internal inspection is highly recommended.
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Fitted with a white modern suite comprising wash hand basin in vanity unit, two double cupboards with work surfaces, feature arch shaped window to the rear aspect, P shaped bath with electric shower over, low level WC, solid oak flooring, coving to ceiling, inset spot lights and heated towel rail.
Providing allocated parking and electric security gates.


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Facebook Page
New Stolen Wages: Update
Following the article written on the 8th November quite a bit has happened. Firstly, written refusal was sought from the trustee as to exactly why the claim under severe financial hardship (SFH) was refused. This was identified as being because the "Q230 form was not produced". It was again stated that the Q230 could not be produced by Centrelink not because Abstudy wasn't a "Commonwealth Income Support Payment" but because it is financed by DEEWR not by DSS and therefore administratively Centrelink cannot produce a Q230. However, again it was pointed out that, according to the 1994 Regulations, Centrelink the "Commonwealth body responsible for administering that class of payment" had already supplied "written evidence" but the trustee still refused release of the Super as they were "bound by the legislation".
The Issue was then brought before the Superannuation Complaint Tribunal who after initial inspection were going to take the case to tribunal but then when pressured for an opinion withdrew their support claiming initially that "the regulations definition of Commonwealth Income Support Payment does not include Abstudy". When this was questioned and their decision appealed the Tribunal responded by reiterating that the 1994 Regulations did not define Abstudy as an "income support payment" (note the absent Commonwealth this time) that "Q230 was merely a code" and moreover that, "neither the Tribunal nor the Trustee have any discretion to order or allow the release of funds under SFH unless the applicant had been in receipt of the CISP for 26 weeks or more". Any further appeal of the Superannuation Complaints Tribunal decision would require applying to the Federal Court.
I have written back to the SCT expresing my views on their response and lodged a complaint with the Australian Human Rights Commission challenging the 1994 Regulations as unconstitutional as it violates the Racial Discrimination Act 1975. As I have exemplified the Regulations neither clearly "include" or "exclude" Abstudy and that not only is Q230 not stated in the legislation but all that it requires is for "written evidence" (This is not further defined by the regulations). Moreover, that Abstudy, Centrelink, DEEWR, and the Commonwealth Ombudsman all define Abstudy as a CISP. That the person had been receiving this payment for more than 26 weeks and that written evidence from the Commonwealth body administering the payment had already been supplied stating exactly that; which is all the regulations actually ask for. Furthermore, it was also pointed out that Centrelink considered that not to release the benefit would go against the intention of the Abstudy policy entirely.
So far the Commonwealth Ombudsman has responded stating that whilst it is not in their jurisdiction to respond they agree with the crux of this issue, that is:
That not only should Abstudy students be allowed to access their Super in this manner when facing SFH but so should other Australian students (such as Youth Allowance and Austudy). Also that, the min. age of release for Super for Indigenous Australians should be reduced from 55 given that on average Indigenous Australians live 12-18 years less then Non-Indigenous Australians, to do otherwise would be discriminatory. Moreover, that whilst morgatees can receive release of Super via the Australian Prudential Regulation Authority (APRA) to avoid losing their house that those renting a house cannot release their Super as they are not covered by the act as unfair and discriminatory since the end result is still the same - loss of housing. Not an ideal way to increase retention of Indigenous or non-Indigenous students by removing their housing.
Pending response from Australian Human Rights this issue will be promoted further maybe for appeal to the Federal Court.
New Stolen Wages: Superannuation and Indigenous Australians
The Human Rights Watchgroup of Australia has been closely involved with an Indigenous family who have been trying to release some of their Superannuation funds under the Severe Financial Hardship clause of the Superannuation Industry (Supervision) Regulations 1994. For some 4 months now this Indigenous family have been forced to follow up this issue by themselves with both Federal Government bodies and the Superannuation Industry in order to save their housing. What follows is an Update on the legal status of Indigenous Australian's and their rights to reclaim their superannuation money and the actions of the Superannuation Industry to try and block it. These actions are not only illegal and breach Federal Government Legislation they also allow for the families Human Rights and those of other Indigenous Australians to be further violated in an action that can only be seen as deliberate, discriminatory and unjust. As per usual Indigenous Australians have to fight claw and tooth just to gain what every other Australian expects.
The New Stolen Wages: Update
In order to exemplify the issue we need to firstly review what the Commonwealth Department of Social Security (DSS) under their 1991 act defines as Severe Financial Hardship. This is the Government "standard" for the definition - please imagine how this applies to your own financial situation.
"(3) A person who is a member of a couple is in severe financial hardship for the purposes of qualifying for a crisis payment if the value of the person's liquid assets (within the meaning of subsections 14A(1) and (2)) is less than twice the fortnightly amount at the maximum payment rate of the social security pension or the social security benefit that is payable to the person."
SOCIAL SECURITY ACT 1991 - SECT 19D Severe financial hardship--crisis payment definition
Liquid assets is defined as "liquid assets" we take this to have the meaning of liquid or available assets freely on hand such as cash, money in savings accounts and items that are easily transferable into available cash. The family in question, as would be most Indigenous families, are clearly suffering from Severe Financial Hardship and have been for some time.
In order to stop rental proceedings from evicting them from their privately rented dwelling the family looked towards the Superannuation as a way to immediately resolve their situation. Under Superannuation legislation there are limited conditions as to having grounds to release super funds. The Australian Prudential Regulatory Authority (APRA) outlines these on their website and they are quite specific. If you are renting a property through either the housing departments or privately APRA cannot assist you to release funds unless they are required to immediately pay your Medical treatment, medical transport or funeral expenses under certain conditions. So if you are just in debt or owe back rent they are not able to assist the release of Superannuation funds in anyway. The Superannuation company involved "UniSuper" however, state clearly on their brochure entitled "Super Options when you leave your job" dated 17th September 2008 p.17, that you can release part of you super under Severe Financial Hardships grounds. Moreover, under the Superannuation Industry (Supervision) Regulation 1994 which is the governing legislation under which ALL superannuation companies operate, and therefore must adhere to, there is a clause for Severe Financial Hardship release (Part 6, Division 6.1, Subdivision 6.1.1, Clause 5).
The clause states that:
"(5) For the purposes of Schedule 1, a person is taken to be in severe financial hardship if:
(a) the trustee of a superannuation entity is satisfied:
(i) based on written evidence provided by at least one Commonwealth department or agency responsible for administering a class of Commonwealth income support payments, that:
(A) the person has received Commonwealth income support payments for a continuous period of 26 weeks; and
(B) the person was in receipt of payments of that kind on the date of the written evidence; and
(ii) that the person is unable to meet reasonable and immediate family living expenses."
As the person concerned had been forced to resign from her employment and was being paid Abstudy to continue her PhD studies, and had been for a period of 26 weeks and was also continuing to be paid Abstudy it appeared a straight forward operation. In fact when one considers the plight of Indigenous Australians to even get to this level of study on Abstudy is quite a major achievement and the thought of two months from completing a PhD having to uproot and move, with no additional funds or support, was a ridiculous ask. With this in mind we endeavoured to release the funds. Initially, UniSuper informed us that this should not be a problem, you could release up to $10,000 of Super, and that we would require a Q230 form from Centrelink to state that the correct payments and entitlements were being received when the 26 week mark was met. The family then waited for the payments to meet the 26 week requirement by minimising on every expense they could until the 6 month point was reached.
When the point was reached Centerlink was asked to produce a Q230 form and the family were immediately rejected being informed by Centrelink that they cannot produce a Q230 letter on Abstudy. Turning back to the Superannuation legislation point 5 above it states "a Commonwealth income support payment (CISP)" so we began by defining what Abstudy is? The Super legislation defines CISP as:
"Commonwealth income support payment means:
(a) an income support supplement, service pension or social security pension as defined in subsection 23 (1) of the Social Security Act 1991; or
(b) a social security benefit as defined in that subsection, other than:
(i) an austudy payment; or
(ii) a youth allowance paid to a person who is undertaking full-time study; or
(c) a drought relief payment under the Farm Household Support Act 1992 as in force immediately before the commencement of the Farm Household Support Amendment (Restart and Exceptional Circumstances) Act 1997; or
(d) an exceptional circumstances relief payment under the Farm Household Support Act 1992; or
(e) a payment of salary or wages made under the employment scheme of the Commonwealth that is known as the Community Development Employment Projects Scheme."
Under the clause mentioned above and under subsection 23 (1) this does not exclude or include Abstudy - a failing of the legislation? No, the reason why Centrelink cannot provide a Q230 is not because Abstudy does not apply, but because all the other payments are financed by DSS but not Abstudy which is financed by the Department of Education, Employment and Workplace Relations (DEEWR). Therefore, the administration system of Centrelink will not let them input let alone produce a Q230 letter and this is purely an administrative problem. However, Centrelink are authorised and did produce "written evidence" under section 196 of the Social Security (Administration) Act 1999 that the customer had been on Abstudy for 26 weeks and that she was currently and would continue to be on those payments. As the Office for the Minister for DEEWR clarified - whilst they do finance Abstudy, Centrelink is actually the "administering Commonwealth Government Body" and they are the correct body to be writing the letter under the terms of the legislation. This letter was then sent to UniSuper with an expectation that the super would be released. Furthermore, four Commonwealth government departments including Centrelink, Abstudy, DEEWR and the Commonwealth Ombudsman all viewed that Abstudy was a Commonwealth Income Support Payment. Moreover, that in fact Centrelink and DSS stated that to consider it anything else would be "contrary to Abstudy provisions" and "not meet the intention of Abstudy policy" which is defined in the Abstudy manual as:
"The purpose of the ABSTUDY scheme is to address the particular educational disadvantages faced by Aboriginal and Torres Strait Islander people by improving educational outcomes to a level commensurate with the Australian population in general. ABSTUDY policy aims to encourage eligible Indigenous students to take full advantage of available educational opportunities and improve their employment opportunities."
Moreover, that the objective of Abstudy is to:
- encourage Aboriginal and Torres Strait Islander people to take full advantage of the educational opportunities available;
- promote equity of educational opportunity; and
- improve educational outcomes.
Two weeks later UniSuper has again denied the application stating that they "require a Q230 form" to release any funds. It was pointed out that this is not correct and that the legislation clearly states that "based on written evidence provided by at least one Commonwealth department or agency responsible for administering a class of Commonwealth income support payments". Which does not mention Q230 and clearly indicates "written evidence" from Centrelink stating so which UniSuper already had in their possession for three weeks. In fact, there is virtually no difference between a Q230 letter and the letter Centrelink generated and it has no other additional information other than the words Q230 stamped on it.
UniSuper's legal department then changed their story stating that it "wasn't a CISP" until they were given the definition and the supporting comments mentioned above. They then changed their tack again, stating this time that under the act they "are not obliged" and it is at their "discretion" to release funds and basically refused. It was pointed out to them that to do so would be in breach of the legislation set out to control Superannuation companies in Australia and as such was breaking Commonwealth law however, they continue to refuse.
The issue is now back before the Commonwealth Ombudsman office as a complaint. Additionally, the Victorian Legal Services Commissioner has received a complaint from the family in regards to the actions and conduct of the Legal counsels at Unisuper and has also been forwarded to the Commonwealth Minister for Superannuation for his urgent attention. Furthermore, the family will tomorrow have to go to the Rental Tenancy Tribunal and explain why they have failed to pay the back rent they owe, to avoid being de-housed. I am sure the Tribunal will not view the actions of the Superannuation industry and the lack of adherence to Australian Law to highly.
Further Updates will be given on this issue as they become available.
So much for "Closing the Gap" it seems that it is only a policy term and not an actual action - So much for "Sorry" - Well at least for Superannuation anyway, what's worse is the Indigenous community themselves are left to drive and investigate this themselves on their own budget as usual - whilst others who should be administering and enforcing these issues do very little - if anything - to enforce the Law of Australia. Negligence is certainly high on the list of comments I would have in regards to these issues. If however the family had not been studying and instead were sitting on the Dole receiving social security pension for doing nothing they would have been fully entitled to these funds with a Q230 - So please take note and check your superannuation policies - you may be able to release some funds and some severe financial hardship that you may NOT have to endure.
Simon Charles Dorante-Day BA, BEng, M.R.G.C.
(c) Human Rights Watchgroup of Australia 2010.
The Covenants
Created by Seth Brau
Produced by Amy Poncher
Read by Marina Michelson
Rumspringa "Musical Chairs"
From the forthcoming album SWAY
©2010 Cantora Records
The Universal Declaration of Human Rights
Created by Seth Brau
Produced by Amy Poncher
Music by Rumspringa courtesy Cantora Records


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233 Miles is a new and exciting design festival created and developed by the students of Design Society Plymouth.
The festival is a design exhibition showcasing graphic communication students of Plymouth University and
a FREE series of talks from
5 prolific designers.
The festival is hosted by Pearlfisher design studio in their London gallery space, running from 6th-10th July with talks throughout the week.
Pearlfisher, 50 Brook Green, London, W6 7BJ.
(near Olympia)
Tue 7th - Fri 10th July
7pm - 9pm
(Public Viewing)
Tue 7th - Fri 10th July
12:30pm - 1:30pm
(Lunch provided by LEON)
From everyone at 233 we would like to thank all of our sponsors for their various donations towards the event, whether it be tasty food, delicious drinks, brilliant printing, gorgeous paper, great magazines, professional filming or generous donations towards the funding.
The festival would never of been possible without all of your
time and help.
An Inspiration
A special thank you is reserved for Darren Foley, Managing Director of Pearlfisher for first inspiring us to use the wonderful gallery space they so kindly donated to us.
We like to give everyone a massive thank you who pledged towards our Crowdfunder and supported us.
Every donation from family, friends and industry designers was vital towards achieving our goal.
Without your generous pledges the festival would not be possible.
Shaun jones
James Brocklehurst
Rebecca Matthews
Emily Andrews
Stephie Davis
Jack Irwin-smith
Les Aldrich
Sergio Felipe Ventura
Baz Lokat
Jamin Lean
Richard Clibbon
Matt Hocking
Emily Andrews
Lorraine Bell
Mr Clive R Eskriett
JoJo Burgess
Calum Coles
James Matthew Aldrich
Simon Merritt
Jonny Aldrich
Owen Jones
Dot Thompson
Thomas Bryant
Nicole Mackey
Helen Shrewsbury
Lee Clarkson
Dec Pike
Marcroy Smith
Benjamin Smith
Hannah Benjamin
Polly Hill
Ryan Clements
Richard Patrick
Lauren Gill
Chris Day
James Hoodless
Jordon Hill
Sarah Williams
Joshua Townsend
Samuel Bate Williams
Bryony Baxter
Kelly bush
Matthew Briggs
Alan Briggs
S Hill
Luke Pitcher
Audry Hancock
Mick Hancock
Terri Hancock
Carol Fowkes
Cyril Fawkes
Mr & Mrs Eskriett
Peter Jones
Ollie Eskriett
Jordon Hill
Nathan Hunt
Ernie Townsend
Matthew Down
Christina Brown
Mandy Sparks
Dom Rowland
Thom Skinner
Plymouth Uni


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How to Become a Voice Impersonator?
Have you ever wanted to have an accent like a celebrity and be a voice impersonator? Here is how…
How to Become a Michael Jackson Impersonator?
This is the perfect set of directions for all dress up occasions including Being the "King of Pop†makes a Michael Jackson Impersonator almost always welcomed so this will come in handy! This i...
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super sixes
Who doesn't love a list? These are our pick of the best events from beginner triathlons to the toughest 10k's.
Kirste Bowman, of Benfleet Running Club, raised more than £50,000 for breast cancer charities by running 23 marathons while fighting the disease. This is a lovely 5 mile, fund-raising race in her memory, heading to Hockley Woods, returning through Cherry Orchard Jubilee Park, New England Wood, and Grove Wood.
Create your free profile to see what events your friends are doingsign up / log in
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Overland Classifieds
Viewing 1 - 2 of 2 results
Selected Filters:Make: Overland
1922 Overland Touring car
Dickinson, ND
Two and one-half cars out of which to make one. Motor turns and has compression on car with complete driveline. Othercar has stuck motor... More
Offered By: Private Seller
1912 Overland 69
Pittsford, NY
OVERLAND: 1912 Model 69T touring, fully restored, new leather and top, has dual rear spare tires, all tires new, new top boot with some... More
Offered By: Private Seller
Advertiser since 2016
Advertiser since 2016
From May, 2017 print edition


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"That strong mother doesn't tell her cub, Son, stay weak so the wolves can get you. She says, Toughen up, this is reality we are living in."
"Reality is easy. It's deception that's the hard work."
"I need to be surrounded by people as passionate and as dedicated as I am."
Lauryn Hill (born Lauryn Noelle Hill in South Orange, New Jersey on May 26, 1975) is an American singer-songwriter and actress. She starred in Sister Act 2, and then she was the lead singer of the Fugees, before releasing her debut album The Miseducation of Lauryn Hill. She has 8 Grammy's.
She has been out of the limelight for several years, but in May 2013 she was arrested for unpaid taxes.
Best Known For:
Lauryn Hill is best known for being a singer, and for singing with the Fugees.
Personal Life:
Lauryn dated Wyclef Jean while she was in Fugees, before she began dating Rohan Marley in 1996 and they have five children together. She also has another son from a different relationship.
Copyright © 2017 Hollywoodlife.com, LLC. All rights reserved.
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text:
Going, Going, Gone
From Wikipedia, the free encyclopedia
(Redirected from Going, Going, Gone (song))
"Going, going, gone!" is a phrase commonly used to close bidding in an auction chant.
Going, Going, Gone may also refer to:
- Going, Going, Gone (novel), a 2000 novel by Jack Womack
Film and television[edit]
- Going, Going, Gone (TV series), a 1990s BBC television series
- "Going Going Gone" (CSI: Miami), a 2006 episode of the American series CSI: Miami
- "Going, Going, Gone" (Grey's Anatomy), a 2012 episode of the American medical drama Grey's Anatomy
- "Going, Going, Gone", a 1979 episode of the American series Wonder Woman
- Going! Going! Gone!, a 1919 short comedy film
- "Going, Going, Gone" (Bob Dylan song), a 1974 Bob Dylan song
- "Going, Going, Gone" (Lee Greenwood song), a 1984 number one country hit by Lee Greenwood
- "Going, Going, Gone (Bryan White song), also recorded by Neal McCoy
- "Going Going Gone", a song by Dannii Minogue from her 2007 album Unleashed
- "Going, Going, Gone", a song by Information Society from the album Peace and Love, Inc.
- "Goin' Goin' Gone", a song by Thrasher Shiver from the album Thrasher Shiver
- "Going, Going, Gone", a song by Stars, featuring Emily Haines, from the album Nightsongs
|This disambiguation page lists articles associated with the title Going, Going, Gone.
If an internal link led you here, you may wish to change the link to point directly to the intended article.


text:
Definition - What does Namespace mean?
A namespace is used to uniquely identify one or more names from other similar names of different objects, groups or the namespace in general. Namespace makes it possible to distinguish objects with similar names but different origins. In XML, a namespace is a collection of element type and attribute names, each of which which can be identified by the unique namespace to which they belong. Namespace is also known as name scope.
Techopedia explains Namespace
Namespace is primarily used in programming languages where the same name may be used for different objects. It is created to group together those names that might be repeated elsewhere within the same or interlinked programs, objects and elements. For example, an XML namespace consists of element types and attribute names. Each of the names within that namespace is only related/linked to that namespace. The name is uniquely identified by the namespace identifier ahead of the name. For example Namespace1_ John and Namespace2_John are same names but within different namespaces.
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Hello there, thanks for popping into my blog. My name's Mabel. I am a banker by day, blogger by night. I love researching, shopping and trying out the different beauty products and looks that I can attempt to create from my makeup hauls – which by the way, is getting a little out of hand!
I never really paid too much attention to skincare or facials when I was younger because I was very fortunate to be blessed with zit-free skin. I used to be super proud that my makeup at 7pm would look just the same as it was at 7am when I first put it on. BUT.. low and behold, after I crossed the big 3-0, I started to spot laughlines, and all kinds of fine lines under the eyes *sob*. This was exactly what my mom had told me but I kept a deaf ear about proper moisturizing. Sometimes I wish I had slightly oily skin to combat those lines. Well, I just have to say that God is fair! Oily with zits – No lines, Normal/Dry without zits – Fine lines.
Anyway, I shall stop blabbering, this is just the "About Me" page, which I can't possibly fill up enough. Just keep coming back to check my blog and we could exchange beauty tips so that this world would be filled with more beautiful people!


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Office of Diversity and Inclusion
Kellogg Company's Office of Diversity and Inclusion serves as our center of expertise for resources, training, knowledge and best practices for all diversity and inclusion initiatives.
Through these efforts we place value in our people and nurture their development while ensuring that all employees go through a consistent process and have equal opportunity for success.
Diversity and inclusion are vital to building a winning culture where all employees can contribute their best work.
Workforce diversity is a journey. Throughout our 100-year-plus history, we have made significant strides toward the more equitable inclusion of women, people of color, lesbians, gays, bisexuals, transgender individuals, people with disabilities, veterans and other demographic groups. Our goal is to reflect the diversity of our consumers throughout our company. We have done much to achieve this objective, and we are firmly committed to making continued progress.
Accelerating Progress
About 10 years ago, Kellogg made diversity and inclusion a key corporate initiative. And in 2005, Kellogg established an Office of Diversity and Inclusion.
Since that time, this office has been singularly focused on recruiting and retaining diverse employees, creating awareness of diversity issues, fostering a supportive, positive environment where inclusive behaviors are the norm, and embedding accountability for diversity throughout the organization.


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Click here to view sale items.
Can't find the item you are looking for using the search and browse tools above? View our special order catalog.
The Park FR-7 Freewheel Remover fits Falcon freewheels. It's built thin so that removing axle parts is unnecessary. And, it's constructed of durable heat-treated steel.
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Coupon online like a pro and save big money with this 100-page e-book
On a budget and need help figuring out how to coupon online? This concise e-book will show you where to go online to find the best store and manufacturer coupons, how to combine them for the best deals, and how to stay organized. Get this bargain priced e-book with "beyond the book" extras including a video demonstration, checklist, and more.
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Homeless Man Sings "All Of Me" for Food
Byon Artrell McCullough, of Florence, South Carolina, became homeless when, after serving time in prison, he had no job and no family to come home to, according to the New York Daily News. He decided to support himself by sharing his beautiful voice with strangers. Watch as he sings John Legend's hit song 'All of Me' to two ladies.


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Not everyone is a big white chocolate fan, but even people who don't generally like white chocolate find that it is a great combination with macadamia nuts. Creamy white chocolate is a great compliment for crunchy, buttery macadamia nuts because the flavors work extremely well together and neither one dominates the other. Other kinds of chocolate can sometimes overwhelm the delicate flavor of macadamia nuts. ... Read More »
Tag Archives: white chocolate
Melted Snowman Chocolates
There is no better way to bring a little dose of cuteness to your holiday table than with some of these Melted Snowman Chocolates. I first saw this kind of design on a gourmet cookie available at a local specialty store. The cookie version appeared to be entirely made out of icing, but I wanted to turn it into a candy version that could stand ... Read More »
How to Temper Chocolate at Home
Tempered chocolate is very glossy, has a firm finish and melts smoothly at around body temperature. Simply melting the chocolate before you use it to dip berries, truffles or other goodies does not temper it. The process of tempering involves raising and lowering the temperature of the chocolate to encourage strong, organized crystallization of the cocoa butter so that the finished chocolate will have that ... Read More »
What is white chocolate?
White chocolate is a chocolate confection made with cocoa butter, sugar, milk solids and vanilla, the same ingredients that you'll find in milk chocolate with the exception of cocoa powder. Cocoa powder is what gives dark and milk chocolates their characteristic chocolate flavor and color. With white chocolate, you're left with a very creamy and sweet product that has a strong flavor of milk and ... Read More »
White Chocolate Coconut Revel Bars
Fudgy, rich tasting Chocolate Revel Bars are bound to be a hit with chocolate lovers – and have been with everyone I've served them to. But I like white chocolate just as much as dark chocolate, so I decided to work out a white chocolate variation of the chocolate-filled bar cookie. While the original Revel Bars have layers of oatmeal cookie dough sandwiching a chocolate ... Read More »
White Chocolate Panna Cotta Easter Eggs
Easter is basically synonymous with chocolate these days and whether you celebrate the holiday or not, it is hard to pass up an opportunity to get a little more chocolate into your diet. Chocolate bunnies are delicious, but I prefer chocolate Easter eggs – especially when the chocolate dessert in question happens to be White Chocolate Panna Cotta Easter Eggs. For this dessert, I made ... Read More »
Blueberry and White Chocolate Coffee Cake
Sometimes, the best part of a coffee cake is the crumble topping that sits on top of it. Other times, the cake itself is so tasty that the coffee cake actually needs no topping at all to be good. I would put this Blueberry and White Chocolate Coffee Cake into the latter category. It is a moist, tender and flavorful cake that, despite the fact ... Read More »
Trader Joe's White Chocolate, reviewed
White chocolate is a blend of sugar, cocoa butter, milk and vanilla. It is not considered to be chocolate by some chocolate fans because it does not contain any cocoa solids, unlike milk and dark chocolate, but the thing that makes chocolate special is not just the cocoa solids but the cocoa butter. Cocoa butter is the fat in chocolate that gives it the unique ... Read More »


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Discussion in 'Colorado Football Message Board' started by broncos1, Sep 24, 2008.
kidd to dallas.
Maybe he will still qualify for a medical redshirt
Why did you have to do that? Couldn't you have said "we landed on the moon" or "Tom Brady out for the season"? I have been trying to put the Kidd trade out of mind for the last six months and now I just got really depressed thinking about the futility of the upcoming season. Thanks.
Is this the woodrow from ralphie report
Sure is. Been reading, just hadn't registered yet.
Separate names with a comma.


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Ivan Dimitrijevic
This is the standing of Ivan Dimitrijevic in our community - the further right, the more of a Wikinut they are!
Recent pages by Ivan Dimitrijevic
There are a variety of options to consider when it comes to protecting your investment.
What if I told you that you can turn your iPhone into your little helper and completely remove the distraction element from it?
Many say that when you step foot on Zakynthos island, you never want to go back. The island belongs to the Ionian group of islands and it's the third largest one.
From sugar rushes to late night snacking, every other rule from the big book of childhood mischief encourages them to adopt unhealthy eating habits.
We want our gift to speak for us and send the right message we want to communicate.
If you are of a mind to visit Africa and explore this exotic continent, we have a few tips to help you prepare.
Take a look at the basics that will show you the right direction for planning a vacation for your family.
There are more than a few things you need to cover before you can actually set things in motion and start a new business.
Making kids love learning isn't accomplished through nagging - here are a few practical tips to help you out.
If you want to work remotely then you will need some of these tools to make it happen.
Tips on how to handle varicose and spider veins and get your legs back to a healthy state.
With the right idea, and a plan, this could turn into something profitable and great.
Bad habits can infiltrate your life and can be a real nuisance to get rid off, this is why we need to make sure you spot them on time.
There are two main reasons why you shouldn't hesitate to get that appointment any longer.
Your work efficiency depends largely on your lifestyle and here a few tips to keep it healthy.
Sitting is not the danger here, the time spent sitting is the thing you need to be worried about.
Let's talk about beverages that can help you detox your body and keep you healthy.
General tips that a lot of us, due to the hastiness of our daily lives, forget to focus on.
Fashion tips for the 2015/2016 winter season that will help you survive the winter with style.
Let's see what you can do to improve your home's outdoors and find ways to make it more beautiful and comfortable.
Deciding to take your family to the wild side of the countryside requires a bit of preparation and we are here to help.
Many entrepreneurs rush things and do not set all the necessary ground works for business development.
A review of Jurassic World, which got quite a bit of hate from the fan base when it hit the cinemas.
If you want to ensure your health in the long run here is what you need to do.
Let's be real, everyone fantasizes to get married one day. Some of us do it sooner and some of us are late bloomers. We all want to have that special day when we will connect to that one person for the rest of our lives. Planning a wedding isn't an easy job and it is best to start...


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Product Description
2016 Volkl Kendo Skis (European Edition)
The 2016 Volkl Kendo Skis (European Edition) features the same sheet of titanium between a multi layer wood core and high performance as the U.S. Kendo skis. The only difference is an added feature that I imagine you will love! The European Edition Kendo skis include key sections of a more durable topsheet material to preserve the integrity of the metal topsheet. The heavy traffic of the European Tram lines has been known to damage the topsheet of metal skis rather quickly. So Volkl developed a special European Edition of the most popular models to stand up better against the intense lift line traffic seen in Europe. We are now offering these more durable models to you! The Tip and Tail Rocker design along with the titanium allow for great edge hold on hard-pack while the skis float through variable snow conditions for hook free turns! The Volkl Kendo Skis is a strong ski with the construction to rip down the next double black diamond with confidence.
- Sidecut: 127/90/110
- Radius: 16.8 m @ 163 cm
- Multi Layer Wood
- Power Construction
- Powered by Titanium
- Tip and Tail Rocker
- Skill: Advanced Intermediate to Expert Level Skiers
- Be the first to review this product


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Mumbai: HDFC chairman Deepak Parekh has decried Andhra Pradesh government for "hastily" passing a legislation regulating micro lenders, stating many independent directors of microfinance institutions (MFIs) have quit in its aftermath, reports PTI.
The passing of the Andhra Pradesh Microfinance Institutions (Regulation of Moneylending) Act on 15th December has led to "consternation" among independent directors and many of them have resigned fearing arrest, Mr Parekh said in a public lecture on governance at the Indian Merchants' Chamber (IMC) here.
"...the hastily recently-passed AP Act of microfinance has led to consternation among independent directors of certain micro finance agencies and many of them have resigned in the last week under fear of being arrested," he said.
The AP government moved in with a law to regulate MFIs following allegations of suicide by some borrowers in the coastal state due to pressure from collection agents of MFIs.
The legislation has led to wide scepticism among banks which lend to microfinance institutions and a majority of them have stopped fresh loans to MFIs since an ordinance for the act was made public two months ago.
MFIN, an umbrella body of MFIs, had said repayments from borrowers in AP-the biggest MFI market in the country-have stopped and feared a wipe-out of the once sunrise sector.
The Reserve Bank of India (RBI) stepped in yesterday, asking banks to continue funding MFIs in a bid to contain the problem within AP.
Mr Parekh said there should be some distinction between the liabilities of independent directors and executive directors and highlighted the fact that 340 independent directors had resigned from companies after the Satyam scandal, fearing "persecution".
As a solution, Mr Parekh said, "I believe India Inc and the government need to work towards rebuilding a sense of mutual trust."
Mr Parekh's comments come within a fortnight of him expressing reservations on the functioning of administrative machineries following the second generation (2G) scam.
In his speech, Mr Parekh reiterated the stance, saying India Inc has got a feeling of "mistrust" these days and CEOs are fearful of who "could be the next target".
"Where does one draw a line between privacy and right to information?" he asked.
The veteran financial sector expert also asked for more co-ordination in the functioning of government departments.
"Right now ministries function in silos, with little co-ordination. There has to be equilibrium between infrastructure development and environmental considerations.
Mr Parekh also quipped that looking at the burgeoning cases of corruption, India may soon need to start a Supreme Court exclusively for handling corruption cases.
Among other issues, he demanded the installation of chief executives for cities and the need for government to "extricate itself" from running businesses.
The Indian market opened with marginal gains on mixed global cues. The steep rise in the weekly food inflation numbers put the indices under pressure and kept them in a narrow range on both sides of the neutral line till the end of the session.
The market opened with meagre gains, tracking its Asian peers that were mixed this morning. Early gains came in from the broader markets and realty, banking and healthcare stocks. The indices slipped into the red after touching the day's high and were range-bound. However, a sharp rise in the weekly food inflation data put pressure on the market, dragging the indices down.
The post-noon session saw the key indices trading sideways on both sides of the neutral line. The market closed flat with a negative bias, down for the second day in a row.
The Sensex ended at 19,982.88, below its psychological level of 20,000 and down by 32.92 points (0.16%) over its previous close. The index touched a high of 20,076.08 and a low of 19,939.30, intraday. The Nifty settled 4.40 points (0.07%) lower at 5,980. The benchmark touched a high of 6,006.45 and a low of 5,964.60 today.
The market breadth was in favour of the losers today. The Sensex had 20 declining stocks and 10 advancers. The Nifty closed with 34 losers and 16 gainers. Among the broader indices, the BSE Mid-cap index declined 0.23%, while the BSE Small-cap index was down 0.13%.
The top Sensex performers were NTPC (up 1.50%), Sterlite Industries (up 0.95%) and Infosys Technologies (up 0.77%). The top losers on the index were Hindalco Industries (down 1.81%), Tata Steel (down 1.61%) and DLF (down 1.26%).
BSE Healthcare (up 0.69%), BSE IT (up 0.27%) and BSE TECk (up 0.18%) were the noteworthy gainers in the sectoral space. BSE Consumer Durables (down 1.11%), BSE Metal (down 0.97%) and BSE Realty (down 0.89%) were among the sectoral losers today.
Markets in Asia ended mostly lower as China enhanced scrutiny of foreign fund inflows into its realty sector in a bid to curb spiralling property prices. This apart, the recent hike in gasoline and diesel prices by the Chinese government, also weighed on investor sentiments.
The Shanghai Composite tanked 0.79%, the Hang Seng declined 0.62%, the Jakarta Composite slid 0.25%, the KLSE Composite shed 0.04% and the Seoul Composite lost 0.03%. Bucking the trend, the Taiwan Weighted gained 0.43%.
Returning to double digits, food inflation rose to 12.13% for the week ended 11th December, the third successive weekly increase, with finance minister Pranab Mukherjee attributing high onion prices as one of the reasons.
The official data released today showed that for the week ended 11th December, food inflation rose by 2.67 percentage points from 9.46%, touching a six-week high.
The US markets continued to make fresh two-year highs on Wednesday, with banking stocks leading the gains on deal news. However, lower-than-expected economic data put a cap on gains. Sales of existing homes rose 5.6% from the previous month to a 4.68 million annual rate, the National Association of Realtors said in Washington. Economists projected sales would rise to a 4.75 million pace. Another report showed the US economy grew at a 2.6% annual rate in the third quarter, more than the previously calculated 2.5% gain and up from a 1.7% rise in the second quarter. The growth was below expectations.
The Dow gained 26.33 points (0.23%) to 11,559.49. The S&P 500 added 4.24 points (0.34%) to 1,258.84. The index climbed above 1,255.08 where it closed just days after Lehman filed for bankruptcy in September 2008. The Nasdaq surged 3.87 points (0.15%) at 2,671.48.
Concerned over the possibility of repayment defaults by microfinance institutions (MFIs) to banks, the Reserve Bank of India (RBI) has asked lenders to maintain funding lines to MFIs to prevent the problem from spreading out of Andhra Pradesh.
The bankers informed the RBI that collections by MFIs in Andhra Pradesh have deteriorated considerably and there were some incipient signs of the problem spreading to other states.
Participation by institutional investors in the equities segment on Wednesday was meagre. While foreign institutional investors were net sellers of stocks worth Rs67.57 crore, domestic institutional investors were net buyers totalling Rs98.93 crore.
Pipavav Shipyard (up 1.35%) has signed a memorandum of understanding (MoU) with Sweden-based SAAB Dynamics AB, part of the Wallenberg Group, for developing products in the defence and aerospace sectors.
This is the first major defence co-production initiative undertaken by the Wallenberg Group in India, which will help it gain a foothold in the Indian Army and Airforce segments.
Anil Dhirubhai Ambani Group company Reliance MediaWorks (down 0.42%) has inked a deal with Russian World Studios (RWS) to outsource film restoration, image processing and enhancement work.
A memorandum of understanding (MOU) was signed by the Indian company with the private film company RWS and the Obyedinennaya Gosudarstvennaya Kinokollektsia (OGK) during the visit of Russian President Dmitri Medvedev.
RWS is one of the largest private film companies in the Russian market and has produced several projects, both for TV and the big screen, while OGK is Russia's federal state unitary enterprise that preserves and manages Russian film archives.
Adani Enterprise run Adani Power (APL) (up 1.45%) said that it has synchronised the country's first supercritical unit of 660MW power plant, taking its coal power generation capacity to 1,980MW. APL is setting up a 4620MW coal-fired power plant at Mundra, in Kutch district of Gujarat, consisting of four units of 330MW and five units of 660MW.
Knocked repeatedly by the regulator and investors during the past year, mutual funds will be hoping that the pain will yield positive results soon
The stock market climb this year was quite amazing. But strange as it may seem, it prompted investors to exit equity mutual funds in hordes, hurting fund companies. The pain was aggravated by a basket of confused measures by the regulators, which complicated matters for investors and distributors. It's been a difficult year for mutual funds and hardly anybody will speculate how long it could take to get better.
So difficult, that the friendly neighbourhood distributor has virtually cut out mutual funds from his bouquet of financial services. Many have all but closed shop to look for better pastures. Those who are still doing business are struggling and hoping that the situation will improve sooner than later.
Distributors shift business
A large section of distributors have been left to fend for themselves after stripping their fees. Last year, while attempting to justify its fatwa against entry loads, the regulator cried itself hoarse saying that "investors must pay for advice". But, investors haven't taken too kindly to this yet. Now, some distributors are offering free advice, while others have simply switched to selling commission-friendly unit-linked insurance plans (ULIPs) and company fixed deposits.
In March, the Securities and Exchange Board of India (SEBI) unwittingly triggered a war among large distributors who began to grab customers from one another, by allowing investors to change distributors without a no-objection certificate. It decided that in case of any change in the broker code, no trail commission would be paid to both-the one who loses a customer, as well as the one who gains a customer. Several national distributors and large intermediaries immediately swooped in on the clients of other smaller distributors, surreptitiously getting customers to switch allegiances.
Perhaps nothing irked the distributor community more than the intrusive and tedious know your distributor (KYD) norms. While distributors were amenable to the KYD concept, they were unhappy about the biometric verification part. This measure was seemingly taken to counter a few distributors who have been misguiding investors, exploiting them for their own benefit. Therefore, many of them wondered why the same rule was not being applied to other entities that are known to defraud investors.
SEBI tightened the noose on distributors further, when it tweaked the existing guidelines for procuring certification by mandating distributors to get certification from the National Institute of Securities Management (NISM), instead of the usual AMFI registration number (ARN).
Collecting customer details
This flurry of regulatory changes resulted in headaches on the administrative side too. The regulator's insistence on compliance with know your customer (KYC) norms, meant that old and inadequate customer data in the records of older funds such as UTI Mutual Fund, had to be obtained afresh, with proper identification (photo, phone and address) proof and in a standard format, for easy access.
A misinterpretation of the trail commission rule meant that registrar and transfer agents (R&TAs) were burdened with requests for change of broker code and massive trading in customer data. The volumes subsided only after the Association of Mutual Funds in India (AMFI) issued a clarification.
In August 2010, SEBI asked fund houses to facilitate smoother shift of mutual fund units between two demat accounts. This not only meant that fund companies would have to shoulder additional costs, but this would also increase activity at the R&TAs. Similarly, in order to check fraudulent activities by some distributors, SEBI asked fund houses not to accept third party cheques for mutual fund subscriptions. Consequently, fund branches had to track investor applications with investor cheques to corroborate the investment.
After putting up a brave face on these changes through most of the year, fund companies showed signs of frustration towards the end of the year as business continued to fall. Faced with a sharp reduction in profit amid continuing reduction in the assets under management (AUM), asset management companies (AMCs) began to voice their concerns. The regulator, however, maintained that companies were coping well with the news regulations.
Gold ETFs, debt funds pick up
It was a particularly bad period for equity mutual funds as investors pulled out relentlessly. The haemorrhage that began in August last year continued through 2010. Net outflows since January are up to a startling Rs28,000 crore. Only in May did investors put in more funds than what they took out. The explanation offered by fund companies for this massive exodus was that investors were looking to exit after the markets had sufficiently run up, so as to offset the losses they incurred in 2008.
However, gold and debt funds acquired a new sheen. Gold exchange-traded funds (ETFs) have emerged as a new favourite among retail investors, who were bowled over by the relentless rise in gold prices. The popularity of gold ETFs can be gauged from the sharp 143% rise in the corpus of gold ETFs from Rs1,425 crore to Rs3,464 crore in the year.
Debt funds also witnessed record inflows, as investors hoped to benefit from rising interest rates. Investors parked a total of Rs5,24,332 crore in debt funds during the year, and net inflows amounted to Rs1,80,200 crore. Balanced funds, which provide a combination of debt and equity, saw a 10% jump in retail AUM at Rs18,871 crore.
Cheer for investors
Mutual fund investors did have a little reason to smile. Karvy and CAMS, both top R&TAs, introduced a facility giving a consolidated account statement on a monthly basis. This will help investors to track their mutual fund investments across fund houses at one source. They will be able to get information about their holdings, fund returns, recent transactions, and more.
Another benefit for investors was the decision by SEBI reducing the window for listing of new fund offers (NFOs) to 15 days from the previous 30 days, as also reducing the allotment period to five days from the earlier 30 days. It also crunches the processing time for completion of NFOs to an astounding 20 days only from the earlier 60 days. To address investors' concerns over submission of applications on time, CAMS introduced 'eNFO', an online service that ensures hassle-free submission of NFO applications.
Fingers crossed
It has been a period of painful transformation for the mutual fund industry, with various participants at loggerheads with the regulator, while struggling for their very survival. As we enter the new year, fund companies will be hoping that the alarming outflow from equity funds subsides, and that investors come back. Distributors will be looking for the tide to turn in their favour. And the systems and processes that intermediaries and AMCs have invested in to conform to the changed regulatory climate should bear fruit. Perhaps, a fresh face at the helm of the regulator may usher in much-needed stability for the industry.


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Hi there, my name is Butternut and I live in Cape Town, South Africa.
I'm a stay at home cat which means I don't have a job so I look after the place while the humans are away. My duties include: making sure there is nothing lying around on the counters, sinks, or even shelves. I think I might be a little bit OCD sometimes, but I like to keep it real.
My favorite food is tuna and if there is none around I'll eat pretty much anything else. If I'm really hungry I like to chew on toilet rolls, I learnt that from watching Oprah. I like listening to Taylor Swift and Bryan Adams. I enjoy watching old episodes of Lassie and find them very moving and thought provoking.
Scrabble is currently my favorite board game, I just cant get enough, it keeps my mind sharp. I wont lie, sometimes I just hit a blank and I can't think of any word so I resort to nibbling on the box just to buy myself some more time, people think its cute.