text:
Sanctions Screening / PEP Screening: BSA, AML, KYC
Product ID: 704262
- Duration: 90 Min
Customer Care
Fax: +1-650-565-8542
Email: email@example.com
This training program will discuss the current changes in the marketplace and expose the new faces of AML and examine areas of PEP regulation that pose present and future challenges for regulated businesses.
Why Should You Attend:
This webinar will also explore the operational implications of dealing with this heightened-risk category. In principle, there is nothing wrong with doing business with a politically exposed person, provided that a number of due diligence criteria are met on an ongoing basis. What differentiates PEPs from other categories of financial clients is their position within a country or similar public structure, or their association with a political officeholder.
It is not that PEPs are predisposed to committing financial crimes, but rather that their position, in relation to state funds and other 'cookie jar' opportunities, significantly heightens the risk that they may do something corrupt, fraudulent or otherwise illegal. In addition, it is seldom the primary officeholder that brings increased reputational risk; instead, it is with their associates, businesses partners and potentially shadowy middlemen that the real risk lies. As such, it must be noted up-front that an effective PEP risk mitigation solution should not merely provide a long list of officeholders' names and positions – in order to identify risk critically and methodically, it must also provide the identities of all those "exposed persons" that surround the PEP.
Areas Covered in the Webinar:
In accordance with regulatory obligations, there are strict procedures in place to minimize the risk that could be used for money laundering purposes including:
- BSA/AML Compliance Management
- Sanctions Screening / PEP Screening
- Knowing Your Customer (KYC)
- Proper Identification of your Clients and Vendors
- How Digitization has Changed Movement of Money
- AML Compliance and Digital Currencies
- Monitoring, Investigating and Reporting Suspicious Transactions
- Adapting to Regulatory Changes and Expectations
- Training Staff to Recognize Suspicious Transactions and Awareness of Their Reporting Obligations
Who Will Benefit:
- Compliance Managers and Officers
- Risk Managers and Officers
- Controllers
- Presidents / Vice Presidents
- Managers / Supervisors
- Independent Sales Organizations
- CFOs and Presidents of Payment Service Providers
- Managers of Payment Service Providers
Armen Khachadourian is the founder and president of Digital Payments Inc, a consulting firm providing advisory services in the areas of merchant processing, ISO/MSP formation, development of best practices, BSA/AML guidelines, merchant portfolio and acquiring acquisitions, prepaid and alternative payment products including decoupled debit. As a trusted partner with vision to understand his client's future business he has helped design and evaluate new products and services in today's changing marketplace.
Mr. Khachadourian has also served in executive positions at several top ten financial institutions and helped them maximize growth and revenues in today's challenging electronic payments marketplace. As a vice president of JPMorgan Chase's Prepaid Product in Treasury Services he was responsible for designing and launching prepaid cards in the EU market. As a senior vice president at Visa USA, he expanded card acceptance to new markets such as supermarkets, recurring payments, quick service restaurants and federal government agencies. His expertise in card products extends to issuance of credit, debit, prepaid and commercial cards. He is also an experienced manager of technology solutions including development of best practices, network policy, third-party processor contract negotiation and problem resolution.
Mr. Khachadourian earned a Bachelor of Arts degree in mathematics and a Master of Science degree in computer science from the San Jose State University in California. He authored the "Basics of Data Communications" textbook and lectured at College of San Mateo, CA. He was awarded an honorary teaching credential from State of California. He is a member of the United States National Masters team and has represented United States at four world championships.
Topic Background:
While anti-money laundering (AML) programs are among an institution's most scrutinized risk management functions, there is renewed regulatory emphasis on improved client screening, due diligence, monitoring, investigation and regulatory filing practices in an effort to thwart attempts by senior politically exposed persons (PEPs), sanctioned individuals and entities, and high-profile criminals that pose the greatest risk to an organization. This increased scrutiny has resulted in a recent spike in the number of companies getting fined for sanctions breaches, which clearly indicates the need for banks to re-evaluate their existing compliance programs to ensure that they provide maximum protection from increased regulatory scrutiny and serious risk.
Two areas of significant interest are know your customer (KYC) procedures – which involve customer acceptance, identification, and verification policies and the risk profiling of clients – and sanctions filtering, which involves filtering customers and counterparties against government sanctions lists, suspected terrorists, narcotics traffickers, and designated financial institutions and territories.
More Trainings by Expert
U.S. Payments Landscape - Its Significant Changes and How it Affects Merchants Accepting Payments
Building an Effective BSA/AML Compliance Program
AML Investigations and SAR Preparation
Pricing for Risk in Merchant Payments - Risk Metrics, Reserve Requirements, Pricing Models, Best Interchange Rates, EMV/NFC Guidelines
Panama Papers and PEP Screening - KYC and Sanctions Filtering
Refund Policy
Registrants may cancel up to two working days prior to the course start date and will receive a letter of credit to be used towards a future course up to one year from date of issuance. ComplianceOnline would process/provide refund if the Live Webinar has been cancelled. The attendee could choose between the recorded version of the webinar or refund for any cancelled webinar. Refunds will not be given to participants who do not show up for the webinar. On-Demand Recordings can be requested in exchange.
Webinar may be cancelled due to lack of enrolment or unavoidable factors. Registrants will be notified 24hours in advance if a cancellation occurs. Substitutions can happen any time.
If you have any concern about the content of the webinar and not satisfied please contact us at below email or by call mentioning your feedback for resolution of the matter.
We respect feedback/opinions of our customers which enables us to improve our products and services. To contact us please email email@example.com call +1-888-717-2436 (Toll Free).
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subset: commoncrawl


text:
By Maria Glod and John Wagner
Washington Post Staff Writers
Thursday, September 2, 2010; 12:10 AM
Longtime Maryland Sen. Ulysses Currie, one of the most powerful and popular figures in the General Assembly, was indicted Wednesday on charges that he took more than $245,000 in bribes to use his position and influence to do favors for a grocery chain.
The 48-page indictment, filed in U.S. District Court in Baltimore, comes after a years-long FBI investigation into consulting work Currie (D-Prince George's) did for Shoppers Food and Pharmacy. Over six years, the indictment alleges, Currie took action to help Shoppers sell liquor at one store, save money in the construction of another store and buy land. Two former Shoppers officials also were indicted by the federal grand jury.
Shoppers hired Currie to work as a consultant focusing on public affairs, minority recruitment, and outreach and community relations. But in reality, prosecutors allege, Shoppers paid him to use his Senate seat to benefit the company's business and financial interests.
Currie, 73, highlighted his actions in a paper he wrote in September 2007, hoping to justify continued payments from the grocery chain, the indictment says. He called the document "Accomplishments on Behalf of Shoppers." He wrote that he was "in a unique position to assist Shoppers in expanding its mission and increasing its bottom line" and that he would bring the company "many more opportunities," court papers say.
Currie declined to comment. His attorney, Dale P. Kelberman, said in a statement that the charges are unfounded.
"Simply put, he has committed no crime," Kelberman said. "Senator Currie has devoted his life to public service and he has been a leader in the culture of compassion for the least fortunate among us. The Government's portrait of Senator Currie as a corrupt politician is completely at odds with all who have known him for nearly 40 years."
The indictment had immediate repercussions in Annapolis, where Senate President Thomas V. Mike Miller Jr. (D-Calvert) announced that Currie would temporarily step down from his coveted position as chairman of the powerful Senate Budget and Taxation Committee. Miller said Currie is a "man of faith and integrity" and called himself "confident he will be exonerated."
Maryland Gov. Martin O'Malley (D) said in a statement that it was a "sad day for the people of Prince George's County and Senator Currie personally" and that the matter was in the hands of the courts.
Currie faces charges including bribery, conspiracy, extortion, mail fraud and false statements. Authorities allege that Currie received payments that started at $3,000 a month beginning in February 2003. By December 2007, his monthly payment was $7,600. For five years, Currie did not disclose the payments on state ethics forms in what prosecutors say was an effort to hide the relationship.
Shoppers Food Warehouse reached an agreement with prosecutors to pay a $2.5 million penalty to end the case. That deal still requires the court's approval.
Luke Friedrich, a spokesman for Shoppers' parent, said the company wanted to put the matter behind it and noted that the officials who are charged no longer work for the chain. "We promptly ended the relationship with the senator after these actions were revealed, and we have cooperated fully with the government's investigation," Friedrich said. "It is of the utmost importance to our executive management team and the leadership at Shoppers that our company adheres to the highest ethical standards at all levels of the organization."
U.S. Attorney Rod J. Rosenstein described the alleged conduct as a "pay-to play" approach, saying it undermines public confidence and hurts companies that play by the rules.
"Government officials cross a bright line when they accept payments in return for using the authority of their office, whether they take cash in envelopes or checks labeled as consulting payments," Rosenstein said.
William J. White, 67, former president of Shoppers, and R. Kevin Small, 55, who had been the chain's vice president for real estate development, also were charged Wednesday.
Currie, who is popular in his legislative district and county, has a long history in Maryland politics and has been praised by members of both political parties for working to find common ground. He was greeted enthusiastically Saturday at a Democratic rally in Prince George's. He was introduced by Lt. Gov. Anthony G. Brown (D), who noted that he got his start in Maryland politics working for Currie.
A sharecropper's son from North Carolina, Currie served in the Army in the early 1960s and moved to Prince George's, returning to school at American University for a master's degree in education. He spent more than 30 years as a teacher, school principal and leader of his county's Head Start program. Currie was elected to represent his Prince George's district in the House of Delegates in 1986. Eight years later, he won his Senate seat.
The investigation became public in May 2008, when FBI agents raided Currie's home in District Heights, seizing bank statements, tax records, and correspondence between the senator and Shoppers. The same day, agents conducted a search of Shoppers' Lanham corporate headquarters.
In the months after the raids, federal agents seized reams of documents from the government. Later, a grand jury in Baltimore heard from witnesses, including the chairman of the Prince George's liquor board and another state lawmaker.
Over the past several years, according to the indictment, Currie has repeatedly intervened with state agencies on issues of interest to Shoppers. Those include redevelopment of a Baltimore mall where Shoppers hoped to open a store, the transfer of a liquor license from one Shoppers store to another and efforts to delay energy efficiency standards that would cost the company money.
Prosecutors allege that Currie pushed state transportation officials to move ahead with multimillion-dollar road improvements and traffic lights that benefited Shoppers stores.
Not all the projects Currie is accused of advocating on behalf of Shoppers came to fruition.
Despite the looming investigation, no one stepped forward before the July 6 filing deadline to oppose Currie in the Sept. 14 primary. Elections officials said the only way for another Democrat to get on the ballot would be if Currie withdraws. Republicans, who are a distinct minority in Prince George's, have no means to get a candidate on the either the primary or Nov. 2 general election ballot at this point, elections officials said. If a candidate steps up to oppose Currie, he could run as a write-in candidate.
Staff writer Aaron C. Davis contributed to this report.
View all comments that have been posted about this article.


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Gears of War #15: Traviss & Wilson
Posted by Tom Mason Categories: Editorials, Interviews, Video Games, DC Comics
One of my DC pals, Jim Chadwick, is a Wildstorm editor making the switch to DC's Digital Comics division in 2011. One of his print books, Gears Of War #15, goes on sale this week. Written by NY Times' best-selling author Karen Traviss (she also writes the GoW novels) and illustrated by Colin Wilson, Chadwick posted on Facebook "I'm very proud of this one and you should buy it!"
Author Karen Traviss wrote about the stand-alone issue on her blog, and lays out the schedule of her upcoming work on the series. I like her enthusiasm: "It's not the first comic I've written (I'd turned in two DLS scripts before we had to change the schedule, and those really were my first) but it's my debut on the shelves, so that matters to me. Some of my writer friends find it odd that I set such store by comics given my career, but I just do." She also has mad props for artist Wilson.
For more info on Traviss, here's a solid interview with her from Edge.
As a stand-alone issue in the Gears Of War pantheon, I'm checking this one out.
[Artwork: Cover to Gears of War #15]
Weekend Reading: Joe Casey, Thor, Dr. Spektor and Drew Friedman
Posted by Tom Mason Categories: Editorials, Movies, DC Comics, Dynamic Forces, IDW Publishing, Independent, Marvel Comics
The War on Christmas is nearly done for another year, and there's just enough time left for the War on New Year's. Let's see what you should be reading this week:
Joe: This is simply a great, honest and open interview with Joe Casey, comic book writer/creator and co-creator of Ben 10. Perfect holiday reading from interviewer Tom Spurgeon at The Comics Reporter.
Thor: So there's some controversy from an all-white group that's upset that Marvel has cast an actor of color to play a Norse God in Thor. Ricky Sprague at Project Child Murdering Robot has a thought or two.
Polly: Animator Michael Sporn is happy that Dean Mullaney's new book has arrived (as am I). Polly and Her Pals: the Complete Sunday Comics 1925-1927 comes from Dean's The Library of American Comics via IDW.
Click to continue reading Weekend Reading: Joe Casey, Thor, Dr. Spektor and Drew Friedman
Mighty Samson: Jim Shooter & Patrick Olliffe
Posted by Tom Mason Categories: Editorials, Interviews, Dark Horse Comics
Here's a comic that might be flying under your personal radar that I think merits a look. Mighty Samson is part of Jim Shooter's Gold Key revival at Dark Horse (which also includes Magnus, Turok and Dr. Solar) but it's the only one of the bunch that was never part of Valiant.
This relaunch of the classic character is spearheaded by Shooter and his co-writer J.C. Vaughn, and illustrated by Patrick Olliffe (who does pencils and inks).
Set 500 hundred years after the end of the world in a now-primitive city known as N'Yark, Mighty Samson is filled with "mutated monsters, marauders, and savage subhuman predators." From the ashes of those ruins rises a super-strong champion, Samson, who will defend and protect his piece of the apocalypse from all comers, including the barbarian hordes from across the bridge in Jerz.
It's N'Yark vs. Jerz – a battle as old as time itself! I'm biased because I've met Shooter a couple of times, I'm friends with J.C. Vaughn and I used to work on projects with Patrick Olliffe. That's one heckuva bias, but I also know they can bring the goods, so I'm in.
Here's an interview with Dark Horse editor Chris Warner talking about the series.
And here's a preview of the interiors of the first issue that's on sale now.
Now go and get yours and let me know what you think.
[Artwork: Patrick Olliffe's cover Mighty Samson #1]
Weekend Reading: Cowboys & Aliens, Jacques Tardi And Adrienne Roy
Posted by Tom Mason Categories: Editorials, Movies, Television, DC Comics, IDW Publishing, Independent, Marvel Comics
It's the week before Christmas for many people, and we begin, unfortunately, on a sad note. Veteran industry colorist Adrienne Roy passed away this week. ComicMix has the details of her long-running career as a colorist for hundreds of DC's Bronze Age comics. I did not know that she was once voted "Most Beautifully Tattooed Female." She was well-known and highly-regarded, so there are certain to be other remembrances - like this one by Mark Evanier - around the internets.
Cowboys: Robert Orci talks about the upcoming Cowboys & Aliens movie, and Harrison Ford: "I'm assuming Spielberg called in some kind of a favor, because we were shocked to hear that he was interested."
Crime: Novelist and funnybook writer Gary Phillips chooses his favorite crime and mystery graphic novels of 2010 for The Rap Sheet. Yes, Darwyn Cooke's Parker: The Outfit is in there, but so's a bunch of other cool stuff I need to check out now.
Click to continue reading Weekend Reading: Cowboys & Aliens, Jacques Tardi And Adrienne Roy
Weekend Reading: Walking Dead, Castle and Wonder Woman
Posted by Tom Mason Categories: Editorials, Reviews, Television, DC Comics, Image Comics
If you need to take a break from Christmas shopping and sit down in front of a warm computer and fill your body with the sweet, sweet taste of egg nog, here are some nice links to keep you company.
I love Christmas cards from cartoonists, and Hogan's Alley has posted a whole pile of them from Dik Browne, creator of Hagar The Horrible and one of the greatest cartoonists, ever. As if that weren't enough, there's this: "Every year since 1936, the Newspaper Enterprise Association has syndicated a Christmas strip. In 1968, Jack Kent produced a daily-only King Aroo sequence, which we are thrilled to present here!"
Castle: If you like Nathan Fillion's TV series, you're not alone. Here's what one loyal fan created.
Amazons: David E. Kelley talks about his Wonder Woman project. The bottom line: don't get your hopes up.
Click to continue reading Weekend Reading: Walking Dead, Castle and Wonder Woman
Weekend Reading: Star Blazers, Shazam! And Monty Python
Posted by Tom Mason Categories: Editorials, Interviews, Movies, Television, DC Comics
Movies, TV, and video games! This week had it all. And even some stuff about comic books. Let's take a look:
Star Blazers: There's a new live-action Star Blazers movie coming, and Forces of Geek has 7-minutes of it. You know you want to see it, twice.
Mike Grell: Here's a short interview with the writer/artist on Warlord and Jon Sable Freelance. "Grell plans more with his popular Jon Sable character and has hopes that Starslayer may make its way to the movies."
New Comics Friday: Gary Tyrrell at Fleen catches up on some webcomics he was previously unaware of.
Raven: Comic Book Resources is reporting that the CW is interested in a TV series on the mysterious Teen Titans character. This is a way better idea than Aquaman or Green Arrow. I also like it because that means my pal Marv Wolfman gets some checks (as does George Perez) for creating her.
Click to continue reading Weekend Reading: Star Blazers, Shazam! And Monty Python
Weekend Reading: Green Lantern, Joss Whedon, Jack Kirby And James Bond
Posted by Tom Mason Categories: Editorials, Movies, Television, DC Comics
I spent Thanksgiving outside the US this year so I'm stuffed with stir-fried shrimp and chocolate ice cream, which made for an excellent breakfast of leftovers, because that's just how I roll.
If you're out and about shopping now for the holidays, here's the best Holiday Shopping Gift Guide you're ever going to need for the 2010 credit card season, courtesy of Tom Spurgeon at The Comics Reporter.
Let's see what else is going on:
Green Lantern: If you've been in awe of the new Ryan Reynolds trailer for Green Lantern, there's at least one person with an alternate view worth reading: Ricky Sprague at Project Child Murdering Robot. "The Green Lantern Corps is their 'muscle,' enforcing their rules of righteousness. They take creatures from various parts of the universe and have them fight 'evil.' There are lots of different GLs, made up of different species from different planets. You can see where this is starting to get lame."
Click to continue reading Weekend Reading: Green Lantern, Joss Whedon, Jack Kirby And James Bond
Weekend Reading: Bill Finger, Mighty Samson, The Shadow & Valerian
Posted by Tom Mason Categories: Editorials, Movies, Reviews, Dark Horse Comics, DC Comics, Independent, Marvel Comics
Thank you internets, you've been great this week. So let's share that bounty with others:
Mighty Samson: Writer J.C. Vaughn has a preview of Mighty Samson #1 at his blog. Shooter's involved, Patrick Olliffe is the artist. Dark Horse is the publisher. I'm in!
Here's a little more about the series at Comic Attack.
Shadow: Novelist James Reasoner has a Forgotten Book that's a must have for fans of Maxwell Grant's The Shadow: Gangland's Doom: The Shadow of the Pulps, by Frank Eisgruber Jr.
British Comics: Matthew Murray at Comics Beat goes all out for the new Dandy and breaks down its contents.
Peanuts: Zach Weiner finally lets Charlie Brown kick that football.
Peppers: Mark Evanier lives the sitcom life.
3-D: Ricky Sprague at Project Child Murdering Robot tells how Marvel Comics (in 3-D!) turned him into an atheist. Bonus: 3-D artwork on the internets!
Click to continue reading Weekend Reading: Bill Finger, Mighty Samson, The Shadow & Valerian
Peter Steiner: Cartoonist & Thriller Writer?
Posted by Tom Mason Categories: Editorials
I'm always the last to know.
I knew of Peter Steiner's work as a cartoonist because he's had something like 400 cartoons published in The New Yorker over the years. And I've probably seen most of them. He has a loose, fun style that's classicly New Yorker-ish and his gags are very funny.
Then I found out that he's also a writer of books as well. Only he's not writing comic novels about summers in Connecticut or the party crowd in the Hamptons. He's doing a 180 from his cartooning and he's writing, wait for it, spy thrillers.
And he's got not one, not two, but three of them, including his latest that came out earlier this year called The Terrorist. It shouldn't surprise me, but maybe I'm a cartoon bigot who expects cartoonists to only do funny things.
I'm over that now, and I accept that cartoonists can also be writers of thrillers, science fiction novels, and historical mysteries, or even drive cabs or fix leaky drains. I certainly didn't complain when I found out that New Yorker cartoonist Bruce Eric Kaplan (BEK) was writing for Seinfeld and producing Six Feet Under.
Click to continue reading Peter Steiner: Cartoonist & Thriller Writer?
Comic Book Jobs: Comixology
Posted by Tom Mason Categories: Editorials, Dark Horse Comics, DC Comics, Image Comics, Marvel Comics
Remember that whole digital thing that's supposed to knock off the printed comic book? Oh wait, that's still happening!
If you want to be part of the industry now that we've passed "peak comic book," ComiXology the "digital comics leader" is looking for a couple of new people.
First up is a LAMP Developer, someone with "2+ years of experience with Linux, Apache, mySQL and PHP. Additional experience with AJAX/JavasScript/HTML5 (jQuery), XML, HMTL, XMLRPC, SOAP and other development environments is preferred."
Click to continue reading Comic Book Jobs: Comixology
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2-DIN GPS Navigation, DVD, CD/MP3, AM/FM Receiver w/ Bluetooth & 6.2" LCD screen
1-DIN DVD, CD/MP3, SD/USB, AM/FM Receiver w/ Detachable 4.5" LCD & Bluetooth
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A WAR bride who emigrated to Canada more than half a century ago has been reunited with her family in York.
Dot Ford, who celebrated her 91st birthday on Tuesday, grew up in York and met her husband, Flying Officer Lawrence Ford, during World War Two after which they moved to start a new life in Canada.
Dot who was welcomed back to her home city this week said: "We met in December 1944 at the Elephant & Castle in Skeldergate. Where else? You either met your husband in the pub or on the dance floor back then. We were married in 1945 at St Cuthbert's. It was quite an experience when we moved to the prairies of Saskatchewan."
The couple farmed when they first moved to Canada, and came back to the UK to stay with Dot's cousin, before Lawrence died in 2005. The last time Dot came back was in 2007, and she said she was amazed at how things had changed, even since then.
Dot travelled with her daughters and granddaughter, and has been staying with her cousin Anne Thistleton in Acomb, but also visiting her other cousins in Selby and Bridlington.
Anne said: "It's been wonderful seeing her again.
"The day they flew out, Saskatchewan had another six inches of snow again, so Dot, Maureen, Sharon, Gail and Maria have had such lovely weather here. We've tried to get all the family to see her and I've said I'll come over to Canada for her hundredth!"


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hands11 wrote:Hey Nene. How were the Olympics. I hope you enjoyed the experience.
Can we get a Fing return date by someone already. Didn't he just go to the doctors.
might have been his last Olympics since he is 30, I don't blame him for playing for his country. Not everyone can do that. Plus he didn't even play big minutes in the Olympics


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* Prices may differ from that shown
I have this kettle but in black, I purchased it about 6 months ago from Argos. Unfortunately I cant remember how much I paid and it's currently not for sale in Argos. It is currently for sale however on Amazon for £25.00.
The kettle itself is quite large and once full of water it's heavy. If you have a problem with holding things then this wouldnt be the kettle for you. The base has the availability to curl your lead around so that you dont have to have the cord spread all over your worksurface.
The lid has a small sliding plastic opening where your able to fill your kettle, it also has a handle on the top to enable you to open the whole lid if required. The switch to turn the kettle on and off is pretty standard where you push it down to switch the kettle on and it clicks back up when it switches off.
The spout is quite large and not particularly lipped so sometimes water can come out quite fast if your not careful. When the kettle is switched on a blue light appears through the plastic viewing area (this is the area where you can see how much water is in your kettle) and is a nice feature though doesnt add anything to the actual kettles use itself.
There is enough room for 6 cups and this is indicated on the clear plastic window. The minimum amount is 2 cups and this again is clearly labelled.
What makes this different to standard kettles? Well this kettle has a compartment inside the kettle similar to what you get in a water filter jug. Inside this you place a brita water filter cartridge. This again works the same as a water filter jug and filters the water as it trickles through the cartridge. The idea is less limescale etc.
There are in my opinion more downsides to this kettle than good. The downsides are that this kettle is quite big and bulky. Very heavy when filled with water and stains easily. By this I mean that when you fill the kettle (if like me and you live in a very hard water area) the water inevitably ends up around the plastic top where you pour the water in. No matter how often I clean the kettle there is always limescale around the top of this opening. The opening is just simply not big enough.
Admittedly you can open the entire top of this kettle but then if your going to do this to prevent limescale everywhere what is the point in having the so called easy fill opening. The whole top opening in my opinion is simply built to enable you to replace your cartridges.
The cartridge itself is designed to last 4 weeks and there is a handy little gadget where when you replace your cartridge you press a button on the handle and it will display 4 bars. These go down every week making it easy to know when it needs changing. I'm not sure exactly how these cartridges work as it appears to be on timeline as opposed to uses, as I probably use my kettle a lot more than an average family so surely if it's on uses then mine wouldnt last 4 weeks?
Despite my complaints there are some good things about this kettle. One is the fact that it's cordless on can move 360 degrees making it ideal for left or right handed people. The viewing window is large and clearly labelled and the kettle does turn off stopping it boiling dry automatically. The element is also a plus point as it's hiden in the base. It also boils reasonably quickly and quietly.
Would I buy this again? No I wouldnt despite there being some good points, the main factor in this is that the limescale stains really put me off, and the cartridges are quite expensive. I think next time I will buy a kettle that has one of those filter guards in the spout which removes the worst of the limescale.
Please ignore the ratings I have given as like a lot of products these ratings bare no relevance to the product itself.
I have given this 3 stars, it's okay but I wouldnt be buying it again.
Specifications taken from Morphy Richards website -
Delivers 1.5 litres of filtered water
Filters and boils simultaneously
3.1kw Concealed rapid boil element
Replace cartridge reminder
Includes 1 BRITA Maxtra cartridge
Blue light illuminates when boiling
Hinged Lid/Sliding Lid Refill
360 degree cordless base
Auto shut off when boiled
We live in Essex and until recently I thought we had some of the hardest water in the United Kingdom. That was until I spoke to a friend of mine who lives near Malmesbury in Wiltshire yesterday and her water is so hard it furs up her kettle on a daily basis.
So I have concluded that some parts of the country have this as a major problem in their homes.
I wouldn't mind too much, but as I have had kidney stones more than once I really think that removing the lime scale is important since my consultant told me that this is a contributing factor, of which there are many more of course.
Looking at my limescale encrusted element in my old stainless steel kettle, which I had been treating with vinegar and lemon juice on many repeated occasions, I decided that enough was enough and I purchased a Morphy Richards kettle with an integral Brita water filter. On offer in my local Co-op for £20 it seemed like a bargain and although they were claiming this was half price you can also pick one of these up on Amazon for £19.99.
This kettle not only filters out limescale but also lead, chlorine and other impurities such as copper and aluminium.
The kettle itself looks very futuristic and is an attractive creamy white with silver grey lid and handle trim. The top has a pull back opening into which the kettle can be filled either with a jug or direct from the tap. The top is rather star-trek in design and is certainly as far away from a traditional kettle which whistles away on a country Aga (though I adore them!)
The side has a clear panel which tells you how much you have filled to and there is a max and min mark similar to that on most kettles.
Inside is the unit housing the water filter which is accessed by pulling on a small handle on the top and this sits nicely in a plastic funnel.
The base of the kettle is cordless and suitable for right or left handed users, this is important for me as one of my daughter is left handed.
On the outside of the kettle is a memo timer which you activate when you replace the cartridge, and this will alert you when the next one is due to be replaced, usually after a period of approximately one month.
The model I purchased came with one cartridge supplied, but is important to realise that there is a running cost associated with using this kettle. I have found that these cartridges called Mantra are cheap from an outlet in Jersey called Day2day Shop which can be found at www.day2dayshop.com. Here they are £12.99 for a box of 4 but you can get more discount using a voucher code from the cash back site Topcashback as well as 3% cash back too. Other offers always seem to be floating around the internet for this company so search first. Amazon stock them but they are a little more expensive but the cash back site Pennymix is as far as I know the only one which gives cash back for click throughs to Amazon. This will then bring the price down to be competitive, not just for the cartridges but for the initial kettle purchase too. www.pennymix.com
So the running cost of this kettle is going to be around the £3 a month mark, so of course in a year will mount up to a lot more than the initial cost of the kettle.
The cartridges work by an ion exchange method in which resin reduces limescale and other heavy metals. There is also an activated carbon filtration system which reduces substances which affect taste and smell such as chlorine, certain pesticides and organic impurities. The latter is very important to me because I try to eat organic food as much as I can, and if this is also reducing pesticide residues then it has to be vital, to me anyway. The cartridge is also fully recyclable which is great for the environment.
To use the kettle for the first time you fill it up with water from the tap, let it drain through and filter, boil and then discard the water as this can have some deposits remaining from the manufacture of the cartridges, so it is important to do this each time you replace the cartridge.
Then you are free to use it and see if you can discern any difference in the taste of your beverages.
My Opinion.
Some things about this kettle have occurred to me since I have been using it. It is a good idea when you have used it to fill it up again with water so that the filtration takes place before you come home desperate for a cuppa. It doesn't take long, certainly not anywhere as long as the Brita jug I used to own did, but it is better to get into this habit to avoid feeling impatient.
When boiling, the kettle looks really great as it illuminates the clear display with a blue light which is really attractive.
Now here is the main disadvantage in my opinion and that it the weight and difficulty of pouring. It flows out very quickly and it would be about as good as a chocolate tea pot for my mum. This is because, having had a stroke and only having one arm which she can use, this would be far too heavy for her to control as she poured, leading to scalds and accidents.
I also feel this is the case for children when they reach the age where they are allowed to use the kettle, it is an eager pourer and you only need the lightest tilt to see a gush of water coming out. The first time I used this I actually over filled the coffee I was making, spilling it over the entire kitchen surface. There is just something about the design and angles of the lid which you need to have a feel for, and when you do it is fine, but a novice user would be in trouble for the first few uses.
Now to me and all my family the drinks I have made taste absolutely no different at all to those I served up from my old kettle. This is strange because when I make drinks in my house in Scotland they are so much nicer, as the soft water seems to give coffee, in particular, a much fuller flavour, especially Columbian. Even with this filter the drinks taste no different.
However where I have noticed the difference of this is that the element plate is free from all scale after a month, so this is a triumph for me because my lemon juice and vinegar descaling sessions are now redundant!
It boils extremely quickly so I would assume this is using less power and so is saving money and energy, and Brita do claim that the life of the kettle is substantially prolonged because of the limescale removal which does not wreck the element. I would say it boils twice as quickly as my previous basic kettle which was also a Morphy Richards of approximately 5 years of age.
I can't tell you what is happening to my kidney stones as between bouts you are blissfully unaware of their existence, but hopefully this will be helping as the lime scale is certainly eliminated to a point where it is not discernable on inspection.
So for me I feel this purchase has been worth it. The major point about this kettle though is the safety. I feel it is not suitable for anyone who is elderly and infirm or for children using a kettle for the first time.
Of course it is also impossible to assess at home whether the pesticide level or level of the other metals, not including limescale, are being removed, but the promise they make that they are is enough for me to favour this kettle over one which has no capacity to do this function.
Enjoy a great tasting morning tea with the Morphy Richards 43541 Brita water filter kettle / This cleverly designed kettle has a 1.5 litre capacity / It includes 1 BRITA Maxtra cartridge which reduces limescale lead and other impurities from tap water / The kettle has cordless base for left and right hand use and a simple top filling lid for comfortable use / It is practical and has electronic cartridge replacement reminder / Delivers 1.5 litres of filtered waterFilters and boils simultaneously3.1kw Concealed rapid boil elementReplace cartridge reminderIncludes 1 BRITA Maxtra cartridgeBlue light illuminates when boilingHinged Lid/Sliding Lid Refill360 degree cordless baseAuto shut off when boiled / Short name: Morphy Richards 43541


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THIS RESTAURANT IS CLOSED The Salt House
63 Abbey Rd. Send to Phone
020-7328 6626 | Make Restaurant Reservations
Underground: St. John's Wood
OpenLunch & Dinner daily
- Dress code: Casual
* Click here for rating key
THIS RESTAURANT IS CLOSED The Salt House Restaurant Review: This well-scrubbed pub conversion (run by the people behind the noteworthy Chiswick), is a welcome newcomer to Londons burgeoning clutch of good gastropubs. You could just come in for a drink at the bar, which serves ales and some decent wines, but it would be a shame to miss out on the food. The menu changes daily and includes simpler dishes (such as rib-eye steak with chips and horseradish, £25.50 for two) along with more ambitious fare thats cooked to standards as high as youd find in many a Modern European restaurant---with prices to match.
Find out which restaurants and chefs top the list of GAYOT's 2016 Annual Restaurant Awards.


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Waitrose, Co-op remove some burgers as a precaution
FROZEN burgers sold by Waitrose and the Co-op have been removed as a precautionary measure after horse DNA was found in some Tesco and Iceland products earlier this month.
FROZEN burgers sold by Waitrose and the Co-op have been removed as a precautionary measure after horse DNA was found in some Tesco and Iceland products earlier this month.
Six lines of frozen burgers sold by Waitrose have been taken from the freezers.
A Co-op spokesman confirmed it had removed three lines of frozen burgers.
Waitrose said it hoped they would be back on sale soon.
Sandpiper operates Iceland stores locally and a spokesman said none of the affected products was ever on sale in them.
Comments for: "Waitrose, Co-op remove some burgers as a precaution"
What about them removing the VAT from their goods as well?
What a nonsense. When I first heard they had found something terrible in Burgers I assumed they had found something poisonous, but then it emerged it was a bit of horse meat. When I go to France I eat horse meat all the time as I prefer it to beef and it's lovely.The French actually encourage parents to feed it to their children as it is supposed to be good for them. What a fuss and what a waste of good meat.
I have to agree TED. If there was potentially dangerous chemicals then fine, but it irritates me that whilst people around the world starve perfectly good food is thrown away here just because it contains horse meat that is perfectly edible.
I couldn't care less whether a bit of Shergar found its way into it. I would've taken it off their hands for free, put in in our freezer and then eaten it without batting an eyelid. A few bob saved on the grocery bills....
I don't have a problem with people eating humanly killed horsemeat, but I personally would like to be given that choice. By not making it known on the packaging is wrong.
The thing is people are paying for beef not horse ..so supermarkets are riping peopel off.
Julie and MarkB - both fair points, but if horse meat is found, why not just drop the price, tell customers and give them the choice? There's simply no need to just throw it away - that's unnecessary wastage, pure and simple.
the point is PLP they have put horse meat in already..its no good reducing the price "after the horse has bolted"
label it and flog it!
I had one of them burgers it was so fresh you could still see the marks where the jockey had hit it
What a storm in a tea cup and a perfect example of public hysteria. Like TED when I first heard the headlines I immediately thought that some potentially poisonous substance had been found in the burgers which posed a threat to health. It's horse meat which is perfectly edible and very good. I only hope that Waitrose and the Co op had the common sense to at least offer the burgers to someone like the GSPCA so as not to waste perfectly good food. However if not shame on both of you for the blatant waste of food because of pathetic public hysteria.
When you finds a yooman toenail in one its time to worry otherwise,"bon appetit!"
Royston Gauno
The meat balls are the Dogs Dangles..
Alex Cross
When is this world going to get over itself, i for one don't give a monkeys if there are trace amounts of horse in my beef burgers!
Throwing them out if literally disgusting.
vic gamble
.....down here in the South of France horse meat is as common as any other....you can buy a horse meat burger and put five quid on it both ways to win....fuss about nothing, other than Northern sensitivities.
Perhaps you'd be better off putting the fiver on the horse before it became a burger? Still, the odds on a burger winning the Prix de L'Arc du Triomphe must be pretty good!
But the point is Vic if you are paying for beef then it should be beef, not pork, not zebra but beef....If you buy a BMW you don't expct a skoda engin under the bonnet.
What is all the fuss about? There are people in the world who are starving. As a regular Punter I would like to eat any horse that failed to deliver.The fastest horse I have backed was inside a greyhound!
The problem with the horsemeat in these burgers, apart from false description, is that no one knows where the meat has come from. Pet and working horses (not bred for eating) are often treated with drugs, especially antibiotics, that would have harmful consequences to human health if they entered human diet.
The problem is that a lot of the horsemeat used in the EU comes from American racehorses (after they've been shipped to slaughterhouses in Canada via "kill dealers"). Racehorses in the US are frequently given Phenylbutazone as an anti-inflammatory. Phenylbutazone or "bute" is considered carcinogenic to humans.
Oh those pesky scientists, if only they stopped testing things and let us eat our food in peace.
Not worried about eating horse meat BUT has to have a follow through from birth to death as most animals do these days in UK
The nasty bit is these packing plants putting whatever in burgers. What next?
Thinks supermarket chains need to check suppliers!
Not worried about eating horse meat BUT has to have a follow through from birth to death as most animals do these days in UK
The nasty bit is these packing plants putting whatever in burgers. What next?
Thinks supermarket chains need to check suppliers!
Did the issue arise from quality control ? If so,the culture of the production line workers ought to change so that the individuals involved focus on quality assurance instead.
It's got nothing to do with the "Culture of the Production workers" ED....It's down to management and greedy directors!!
But the managers and greedy directors (yes I do concur with you on that) influence the culture of production workers. If they personally engaged in production line activities and didn't regard themselves as being a-cut-above their workers then morale would be raised and workers will, theoretically, become more enthusiastic.
The production business also ought to adopt a 'Kaizen' approach for 'continuous improvement' (English translation) striving for perfection does much to create both career satisfaction and high quality and thus improves the business' capacity to trade.
It's a pity that we didn't adopt further Oriental creeds...
I wouldn't think sorting gristle, cartilage and internal growths from lumps of meat gives much job satisfaction ED
I see you have moved into the food chain.I hope you have not a posionous recipe for us healthy diet minded readers.
Do you remember the talking horse Mr Ed
Island Wide Voting
MarkB @ 8.38am
I would think the job satisfaction derives from knowing that you are selecting the majority of ingredients for your firm's best sausages
Dave Haslam
I checked the sell by date on these Burgers....
And they're off.
Dave Haslam.
Could you not reach the base of your chest freezer for they were fresh when you bought them? Buy two get one free.
Horses are not currently bred to be eaten.
This means the H and S rules and regs regarding what goes into them (drugs etc) doesn't have to apply, those would be the same drugs that could potentially be harmful to people.
it's also pretty impossible to trace where they were sourced from, whether they were diseased, healthy, or anything, really.
Of course, eating meat of any description is entirely up to the individual, and I would say to select one form of meat consumption as unacceptable and other types acceptable is rather hypocritical, however, I would suggest that those who remain firm in their belief that horses, which are very intelligent and sensitive mammals (unlike some 2 legged mammals I know....) are 'fair game' for their plates, Google horse/slaughter houses, see what comes up, and be quite amazed at how much they can and do truly vary from our classic and comforting concept of 'humane killing'.
Oh Dear
Why is this always about the horse meat? Just because it doesn't appear on our dinner plate doesn't mean it's somehow poisenous.
The fact that Pork was found in a lot of the burgers (higher number than those with horse) is worse). The amount of people who do not eat Pork for religious reasons is staggering, particularly in the UK.
Horse meat happens to be very tasty and far healthier than beef. This is one of the greatest examples of how the media can cause mass hysteria. No one gave a toss when they didn't know. If the burger tastes alright then eat it and enjoy it.
Obviously if the horse meat contained traces of this so called carcinogenic (which according to the Daily Mail red meat is also carcinogenic) then I could potentially understand it. I wonder how much you'd need to consume in order for it to have an effect though? Especially since what they found was horse DNA, that could be a miniscule amount of horse meat within the burger.
Well done to the media for blowing something so miniscule out of proportion.
The rule of thumb is that, if a creature is poisonous, it bears vibrant colours and is covered in fur. Do you ever see a rainbow horse on the loose ?
I am disgusted with this state of affrairs, not as I fear that human life is being imperilled by allegedly poisonous meat, but because it exposes the folly of the corporation's inner workings as a lack of worker diligence, regulation and upkeep of machinery and deficiency of manager input has resulted in the inability to produce the same kind of item.
vic gamble
...strange you should mention rainbow horses Ed.
I was looking at a nostalgic website the other day where they featured toys from the 80's and the early 90's...and lo & behold there was "My Little Rainbow Horse" a sequence of toys loved by little girls...so there you go, Ed, yes I have seen a rainbow horse...more diligence please.
A REAL rainbow horse is what I am referring to.
A real rainbow horse? Lol.
vic gamble
....well Ed, in the minds of children they are real....surely you would not want to take that away from them?
Island Wide Voting
I think I might have seen a rainbow horse but I'm sure that I have never seen a furry snake
Is this a foretaste of TiG if drugs get legalised over here? ;-)
Oh Dear
Rainbow horses eh? That's the single best comment you've ever posted!
Island Wide Voting
vic gamble
...dazzling stuff Island Wide Voting...bit like an advert for "take lots of LSD and watch the colours move"..bet Ed never knew there was such a herd of rainbow horses just at the point of his itchy fingertips.
@Paul Le Page....how did you know rainbow horses were the things of hippie visions?
I have my sources Vic....
vic gamble
...sources(?) Paul...is that not another word for dealers?
I now have visions of the little girl from Despicable me coming across a fluffy rainbow horse! :-)
I'm trying to work out which internet spoof translator site you use for all of your posts.........
Guernsey Fudge
Regional manager for the chain Mr Jon Gallop has released this statement.
'As leading champions of retailing we will go to great lengths to address these National concerns.
With us and other retailers jockeying for position as top consumer champions we take this issue very seriously.
We will meat every complaint with due respect.
You can bet we will take this seriously.
We are having a meeting tomorrow, and will discuss each way we can help with the race to eradicate this foul practice.
We will whip out buying team into action and spur them on to discover the guilty parties.
They are all saddled with this task.
I bet by this time next week we have discovered the mane suspects in this horrendous scandal'.
Post of the week hands down!
Oh Dear
Are you sure these great lengths to address these national concerns, aren't in fact grand.
Those in favour say yay those against say neigh...
Local Pete
ordered a burger in the Waitrose cafe and the lady asked me if I wanted anything on it? I said yes, a fiver each way.
Local Pete
Plenty empty shops in town if you want a horseburger take away business. Prime location in high street.A furlong or two from the bus terminus.
vic gamble
.....sorry Pete I have already done that one...don't you read previous posts??
Local Pete
Never yours vic, no
vic gamble
...ah well Pete, no doubt you think ignorance is bliss.
Local Pete
Just ignoarance in your case.....
vic gamble
...oh dear Pete...if you are going to use great big words like ignorance it would stand you in good light if you knew how to spell it...one out of ten I'm afraid, yet again!!!
vic gamble
@Pete...and if you did check out previous posts you would have seen my little clue on how to spell that great big intellectual word "ignorance" that you failed so miserably to spot because of your bias against anything written by me...moral of the story Pete...ignore at peril of ignorance..etc, etc, etc,...and please do not write to me again...I am truly fatigued by your nobbles of nonsense... and that is almost as big a word as ignorance...
Pb Falla
Rumour is the horse meat has now been classified as the original
Mr Ed category
Explains a lot id say


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[Giveaway] TemplateMonster E-Commerce Templates – 10 Winners (Closed)
Update: The contest is now closed. Check out the winner's list at the end of the article. (15/05/2014)
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Reviews: Adaptation
Striped Chicken's Review
This fic is good. It shows rather than tells of the Fire Nation propaganda and how young Zuko is a believer in it, yet it takes care to show how Zuko, even as a child, has a good sense of right and wrong. The implication (very obvious after awhile of reading, not that the author tries to hide it) that Avatar Kuro and Princess Soza are Roku and Sozin respectively was a nice touch, as was the implication that Ursa wrote the play. Love how it reflects audiences reactions to book to movie adaptions and the like. Reccomended.
Joysweeper's review
Young Zuko is so earnest. The butchery comes in at the end of the play, since the play's original ending, which young Zuko didn't like, wasn't Fire Nation Patriotic enough. He found that he disliked the new ending even more. Distinct hints that Love Amongst the Dragons, with Avatar Kuro and crown princess Soza, is actually the story of Avatar Roku and Firelord Sozin.


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Title: Full Professor in Economics
Department: Department of Accounting & Finance
School: College of Business Administration
Reports to: Department Chair; Business Dean
Department of Accounting and Finance
Prince Mohammad Bin Fahd University (PMU)
Al-Khobar, Kingdom of Saudi Arabia
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Highly qualified applicants required for the College of Business Administration at Prince Mohammad University (PMU) for Economics faculty positions in diverse areas in the college. The quality of economics faculty, who achieved their educational training and academic careers in western universities, is vital for the success of PMU.
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text: Home Gallery Video Heineken The City Heineken's Latest 'Legend' Explores Hong Kong on Another Wild Night Out Latest W+K Work Kicks off Campaign Exploring Great World Cities Published on May 12, 2014 Editor's Pick Heineken continues its "Legends" themed work with this buzzy new spot filmed by Traktor in Hong Kong, kicking off a global campaign focusing on great cities of the world. As with previous spots in Wieden + Kennedy Amsterdam's Legends campaign, like The Entrance and The Date, the ad centers on a good-looking and effortlessly cool kinda guy having an interesting and quirky night out. This time, our groovy hero embarks on his adventure by following a set of business cards lost by a beautiful woman. Each card leads him to surprising and hidden venues in his city, and eventually to the woman herself. To accompany the "cities" theme, Heineken has produced a set of specially designed bottles, each with one of six global cities printed on it; New York, Shanghai, Berlin, Amsterdam, London & Rio de Janeiro. Special edition bottles will be available globally. The global spot will also be followed by local activations in more than 100 countries, beginning with the USA. Rate this Ad You must be registered to rate the ad. Please Login or Register Now About CreditsDateMay 12, 2014Agency:Wieden + Kennedy AmsterdamClient:HeinekenExecutive Creative Director:Eric QuennoyExecutive Creative Director:Mark BernathCreative Director:Thierry AlbertCreative Director:Faustin ClaverieArt Director:Mike BondCopywriter:Bern HunterHead of Broadcast Production:Erik VerheijenAgency Producer:Tony StearnsAgency Producer:Ross PlummerHead of Design:Joe BurrinStudio Artist:Erik BladProduction Company: TraktorDirector: TraktorDOP:Christopher DoyleProducer:Rani MelendezEdit Company:Work PostEditor:Richard OrrickProducer:Jane DilworthAssistant Editor:Charlie MoretonAudio Post:750 MPHSound Designer/Mixer:Sam AshwellProducer:Mary-Ann D'CruzMusic Company/Music Supervisors:Mary Ramos@Saturday MusicPost Production:MPC-LAVFX Supervisor/Lead Flame:Bill McNamaraProducer:Anandi PeirisColorist:George KPhotographer:Neil MasseySee more credits Tagsbeer CategoryTVC Industryalcohol Latest Creativity News on Ad Age Video: Cannes Is Too Costly, WPP CEO Says, but There Might Be a Fix Kathryn Bigelow Joins Smuggler, Public Record Signs Daisy Zhou Agency Brief: Where Is Everybody? Related work Heineken: The Trailblazers Publicis Italy Heineken: When You Drive, Never Drink Publicis Italy Heineken: Soccer Is Here - Carli Lloyd


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Library Graffiti: Parting Recommendations
Dr. Ernie Rubinstein, Theological Librarian, retires June 30. His last reference picks:
Brill's Encyclopedia of Hinduism
Kaleidoscopic in approach—topical, geographical, biographical—this 6-volume work is still in process. Note especially the articles, "Gender" in v. 4, and "Feminism," v. 5.
Ref BL1105 .B75
Defending Same-Sex Marriage
The 2nd volume of this collection of essays is titled Same-Sex Marriage and Religion. See the "Introduction," also "Historical Reflections on Marriage Equality in America."
306.8480973 D323d vol. 2
The Encyclopedia of Christian Literature
Divided between topical and biographical entries, this 2 volume work spans from Apocalyptic to Women's Literature. See especially the essay, "Liturgies."
Ref BR 117.3 .E53 vol. 1
Encyclopedia of Religion and Nature
Explorations of a key intersection, these essays re-envision the command to "subdue" the earth (Genesis 1:28). See "Spinoza, Baruch" and the "Wise Use Movement."
Ref BL31 .E465; also online with Oxford Reference Online
New Handbook of Christian Theologians
Some of the most influential theologians of the 20th century receive appreciative treatment here. See "Mary Daly," Drew's 2006 Nelle Morton honorary lecturer.
Ref BT28 .N48
New Interpreter's Handbook of Preaching
Here the essays are topically arranged, under such headings as "Bible," "Ethics," "Poetics." See "Gender, Race, and Ethnicity" in the section "Social Location."
Ref BV4211.3 .N49
Oxford Encyclopedia of Biblical Interpretation
Expert guide to the diversifying world of Bible reading, from "Historical Criticism" to "Postcolonial Biblical Interpretation." Note the Consultants named on page [ii].
Ref BS511.3 .O88
Yivo Encyclopedia of Jews in Eastern Europe
An encyclopedic testament to a once richly diverse life, still vivid in cultural memory. See especially the articles, "Litvak," "Misnagdim," and "Satmar Hasidic Dynasty."
Ref DS135 .E8 Y578


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Airplanes are thrilling and majestic to watch, especially when they're shredding through vengeful, murderous clouds. Be a vapor gaper with this Groupon.
$99 for a Flight-Lesson Package ($198 Total Value)
- Pre- and postflight ground instruction (a $40 value)
- 30 minutes of instruction in a Redbird flight simulator (a $60 value)
- 30 minutes of in-aircraft flight instruction (a $98 value). Students sit alongside their instructor and are allowed to work the controls under supervision as the plane flies over the Pioneer Valley, the Quabbin Reservoir, Mount Sugarloaf, and the Connecticut River.
Northampton Airport
When visitors enter Northampton Airport for piloting lessons or sightseeing flights, the FAA-certified instructors are eager to give tours of the facility. During such tours they often like to rehash the former barnstorming center's history since its 1929 inception. They might detail Charles Lindbergh's thrilling descent into the airport, or point visitors toward the southern and western horizons where the Holyoke and Berkshire mountain ranges bask in the fading sunlight.
Today, the partially solar-powered Northampton Airport is a fully modernized aviation center that boasts a community charm as well as a baggage carousel that's pulled by unicorns. The impressive rental fleet of Cessna and Piper aircraft land and take off backgrounded by the lush scenery and sparkling Connecticut River that flows parallel to the runway.


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NEW YORK (TheStreet) -- Attention: Please be very careful when navigating around in this stock market. It is very treacherous right now and extreme caution is warranted.
The DJIA closed to the downside on Thursday, losing 21.97 points to 16558.87 and the S&P 500 closed down 0.27 points to 1883.68. The Nasdaq finished on the upside by 12.90 points to 4127.45 after being up more than 34 points early on. The Russell 2000 closed down 0.89 point at 1125.97.
As I mentioned in the Wednesday article, the DJIA and the S&P 500 were in overbought territory according to my proprietary algorithm process. The down day today did nothing to alleviate that overbought condition. I am still looking for that selloff to take place at anytime now. The selloff could very well have started today and we get a continuation on Friday. The DJIA and the S&P simply cannot continue to be in the current overbought condition.
On Thursday the Nasdaq showed signs of the hedge funds that were short technology stocks covering those positions by buying the tech sector. The old momentum stocks from Apple (APPL) to Facebook (FB) to Netflix (NFLX) carried the day higher for the Nasdaq.
If the Nasdaq should happen to open to the upside on Friday, that index will join the DJIA and the S&P in overbought territory.
That would leave only the Russell 2000 index as the only index that will not be overbought according to my internal numbers. The Russell 2000 has some serious issues, being Trend Bearish for a long while now.


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The Twilight Saga: New Moon
In a scene from Twilight: New Moon are (from left) Robert Pattinson (as Edward Cullen), Kristen Stewart (Bella Swan) and Taylor Lautner (Jacob Black).
Web links
131 mins
Much-hyped, long-awaited and guaranteed to be a blockbuster hit, the one thing that New Moon won't deliver, by its very nature, is surprises.
When director Chris Weitz undertook to bring to the screen the second volume in Stephenie Meyer's four-book Twilight saga, he promised to be faithful to the book. And he has pretty much kept his word.
Twilight, the first movie, introduced us to Bella Swan (Kristen Stewart), the independent, solitary young woman who moved to a small town in Washington to live with her father, and fell in love with a local vampire, Edward Cullen (Robert Pattinson).
The sequel, New Moon, begins, just as the book does, with a quotation from Romeo and Juliet, and takes us on an intense, single-minded exploration of the further trials and tribulations of falling in love with a pale, unnervingly handsome boy who is both 17 and 109 years old.
There is the added complication of werewolves. There is a brush with the vampire ruling class - featuring cameo appearances from Dakota Fanning, as a malevolent, blank-faced vampire girl, and Michael Sheen (recently seen as Tony Blair in The Queen) as a suave vampire authority figure.
There is a strong emphasis, in the film on male beauty. And it seems as if there are - to an almost comical degree - more buff male torsos in this movie than a beach volleyball tournament and a Chippendale's calendar combined.
One thing New Moon must cope with is the absence, for much of the story, of its romantic lead. Edward banishes himself after an unfortunate incident at Bella's 18th birthday party, a moment that highlights how tricky it is for vampires and humans to get too intimate. He tells Bella that she cannot be part of his world, and that he can never see her again.
In the book, Bella hears Edward's voice in her head from time to time, apparently coming to protect her in moments of danger. In the movie, he makes occasional appearances, looking like a slightly cheesy hologram.
Meanwhile she grows closer to an old friend, Jacob (Taylor Lautner), the young Native American boy who is clearly devoted to her, but has struggles of his own to contend with.
Weitz brings a few more flickers of humour to the narrative, but the essential, appealing earnestness of the book remains, whole-heartedly embraced. New Moon is a story about longing, and loss, and the dangers of desire. For its screen incarnation, one of its strongest elements is the performance of Stewart. There's a toughness and introspection to her characterisation of Bella, but there's also something vulnerable and youthful in her depiction of the pain, the immediacy and the extremes of adolescent yearning.
Full review in the Age arts pages on Thursday.
Subscribe to The Age and save up to 35%*


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Toy Story fans, try not to drool over this insanely accurate Woody doll designed by Medicom. He'll be out in December to commemorate the 20th anniversary of the film and will be a 15″ tall action figure with three changeable faces, several hands with different poses, and a drawstring on his back.
No detail was spared, which is why collectors will have to shell out a whopping $380 to get their hands on one.
See more pictures after the break.


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Need Based (subsidized) Loans
Subsidized loans, available through the federal government, do not accrue interest or require repayment until after the student is no longer enrolled in school on a half time basis. To receive a subsidized loan, the student must complete a Free Application for Federal Student Aid (FAFSA) and be eligible for need based aid.
Interest Bearing (unsubsidized) Loans
Unsubsidized or interest bearing loans do not require financial need (although most require that a FAFSA be filed). Unlike subsidized loans, unsubsidized loans accrue interest while the student is in school. Payments of principal may be delayed until the student is no longer enrolled in school on a half time basis.
- Federal Unsubsidized Ford Loan
- Federal PLUS Loan for parents
- Minnesota SELF Loan
- Private Educational Loans through private lenders
Direct Ford Entrance Counseling
In order to receive your first William D. Ford Federal Direct Loan at the University of Wisconsin - Eau Claire, federal law requires that you complete an Entrance Counseling. We want to ensure that you have a full understanding of the rights and responsibilities you will incur before you accept this loan.Electronic Master Promissory Note
In order to complete your Ford Loan Master Promissory Note on-line, you must have a FSA ID. If you do not have a valid FSA ID or remember what it is, you must go to Federal Student Aid, https://fsaid.ed.gov/npas/index.htm to create a username and password. You would also use this site if you forget your username or password.
Steps required to complete the electronic master promissory note:
- Log on to the E-MPN website at: http://studentloans.gov
- Using your FSA ID 'Sign In'
- Be sure to select University of Wisconsin-Eau Claire when asked to provide the name of your school
- Follow the instructions, and remember to print a copy of the promissory note for your records
Borrower's Rights and Responsibilities Statement
The Borrower's Rights and Responsibilities Statement provides additional information about the terms and conditions of the Federal Direct Stafford/Ford Loans (Direct Subsidized Loans) and Federal Direct Unsubsidized Stafford/Ford Loans (Direct Unsubsidized loans).
Federal law requires that borrowers of Federal Direct Ford, Stafford, or SLS student loans receive an exit interview prior to graduation. You may complete this requirement by completing the on-line Exit Counseling on the Federal Student Aid web site. To use this site, you will need your FSA ID. The phone number for the Direct Loan Servicer is (800)848-0979.Consolidation
Use the consolidation process on www.studentloans.gov
- The consolidation process may either be completed on-line or you may download a paper application.
There have been some recent e-mails sent to students from private lenders offering, for a fee, to help with consolidation. Consolidation is free.


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When the sting subsides following the Waratahs' three-tries-to-two loss on the highveld on Sunday, the attention, as always, will turn to the little things.
With 20 minutes left, the Waratahs were four points in front of the fancied Bulls after holding them to no tries all match and scoring three themselves.
It was enough to silence the partisan Loftus crowd, a 21,000-strong cheerleading force that feeds off the fortunes of its team. Then poor decision-making crept in. A side that had stuck to their game plan to topple the Chiefs a week earlier began to chase ''fool's gold'', as winger Cam Crawford put it later. Perhaps it was the air up there at Loftus Versfeld. Coach Michael Cheika said altitude didn't play a part in his side's physical capacity to play the full 80 minutes, but he might wonder if the thinner oxygen affected their judgment.
''It wasn't errors through laziness, it was probably through not sticking to what we talked about, which was the most disappointing thing about it,'' captain Dave Dennis said. ''We said if you got the ball on the 50 metre or the 60 metre that we were going to have a crack and instead we were putting contestable [kicks] back up to them.
''We were behind with three minutes on the clock and we were putting little chip kicks in behind, which we'd never talked about.''
There was the lineout, too, disrupted by Bulls forwards to erode the gains made by the Waratahs' scrum. And the penalties that gave Bulls' five-eighth Morne Steyn seven shots at goal, outside conversions, to the Waratahs' two shots.
''[The disappointment] was probably just the effort we put in and the result we got,'' Dennis said. ''I felt we worked hard, it was tough there early on and we worked well to get back in front in the second half but there were a couple of crucial penalties and poor exits out of our own half, and the lineouts as well.''
Crawford, in just his second start in Super Rugby, said he called for replacement halfback Matt Lucas to put in the chip kick with three minutes left. ''I saw a bit of space in behind, but in the end it was fool's gold and I didn't communicate the call well enough,'' he said. ''We really want next week [against the Kings] badly now, we could have won that game and we've got to be better than that.''
On the upside, the young flyer was part of an impressive Waratahs defensive effort that starved the Bulls of satisfaction until those final 20 minutes.
Michael Hooper, Kane Douglas, Adam Ashley-Cooper, Wycliff Palu and Rob Horne spearheaded the immense campaign to confine the Pierre Spies-lead forward pack to turnovers and penalties for much of the match. Cold comfort to a team that believed they could win.