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Auto major Mahindra & Mahindra is in the final stages of testing its premium 390cc motorcycle Mojo, a top official said in Chennai on Thursday.
Auto major Mahindra & Mahindra is in the final stages of testing its premium 390cc motorcycle-model Mojo, a top official said in Chennai on Thursday. "Right now we are undertaking some final tests before launching it (in the market)..", Mahindra & Mahindra (M&M) executive vice-president (strategy and market development), Viren Popli told reporters in Chennai.
Asked when the motorcycle is expected to hit the road, he said, "very soon", but did not divulge further details. The engine of this motorcyle has been designed at the research and development centre at Pune, set up at a cost of Rs 100 crore.
Unveiling the company's latest 110cc motorcycle-models Centuro and Pantero in Tamil Nadu market in Chennai, Anoop Mathur, Mahindra & Mahindra president- two-wheelers and member of the board said the company wants to become a player of substance with the launch. He added that two motorcycle-models were designed at the Pune research and development centre facility.
Admitting that M&M was a late entrant in the crowded two-wheeler market,he said they have been steadily increasing market share after the launch of scooters. He said the company plans to launch three more scooter-variants before this year end. "Hopefully we should have three more variants coming this year", he said.
The company currently manufactures its two-wheelers in Pithampur facility. Popli replied in the affirmative when asked whether the company was looking for exports of its motorcycles, saying some markets would be South Africa, Latin America and Southeast Asia. "Already we are exporting our scooters to some overseas markets. We will stretch it further", he said.
While 110cc motorcycle-model Pantero would be immediately available in Tamil Nadu at Rs 44,190 ex-showroom, the Centuro would hit the roads in four to six weeks, he said.


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Entertainment services, namely scheduling and distribution of television programs for others in the fields of travel, tourism and vacation planning over television, cable networks, satellite and a global computer network
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We survived Death Valley
It's unfortunate a lot of people can't prepare themselves to deal with the heat. This axtra-ordinary piece of land is a place of beauty. It's amazing the vegetation and wildlife that survives in this environment. Our previous visions of what to expect were completely overturned and we felt a special privilege of having experienced such a phenomenal place in North America. Viewing this desert from the seat of a motorcycle in it's harsh conditions was an ultimate experience.
Looking south to Badwater Basin, at 282 feet below sea level
Riding north towards Stovepipe Wells after a visit at Furnace Creek visitor center
The temperature upon arriving mid morning
The temperature 15 minutes later as we left for Stovepipe Wells.
31/8/2013 22:00:24
Absolutely awesome!
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Many of the robotic toys shown at the American International Toy Fair last month in New York were engineered to conceal their joints and metallic jowls beneath furry pelts and cute doll faces. Even traditional robots were packed with more personality than previous models.
The article goes on to talk about the emotional attachment some people feel for their Roomba vacuum cleaners and Scooba floor washers.
Featured robots:
- Scoty by WowWee, co-developed with Philips Home Dialogue Systems
- Robosapien series by WowWee
- FurReal series by Hasbro, including Cuddle Chimp and Butterscotch Pony
- I-Dog and I-Cat by Hasbro
- Roomba and Scooba by iRobot
- Amazing Amanda by Playmates Toys


text: Arnold Worldwide has added a new senior-level exec to its planning group that's neatly referred to as Human Nature. The agency has welcomed Lana Plecas as SVP, global planning director on Panasonic and Fidelity among other accounts. Plecas joins from Saatchi & Saatchi New York, where she spent eight years and served as SVP, group planning director on brands including General Mills (Cheerios, Pillsbury), KitchenAid and P&G (Crest, Head & Shoulders). Prior to that, Plecas had a four-year run at Wunderman as VP, account director/context planner and helped launched Kellogg's products and worked on AT&T, Sony, DuPont and Xerox.


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Emmett is my fave character and the fact that Kellan is playing him is just...wow...awsome!!
He's totally like Emmett and I can't think of anyone better for that role than Kellan! I'm gonna PMSL when I'm gonna watch the movie just because of him!
Moderator: bac
goldeneyedgirl14 wrote:my fav character is emmet, so u can guess i'm on team emmet! (in the bigger picture, team edward!) kellan really fits the part and stephenie even said he was as close as u could get to hugging a vampire!!!
alellie wrote:He was probably one of the few characters I had any doubts with when he was casted. Kellan is absolute perfection...
...and it helps that he's total eye candy.
lara wrote:I only lament the curls! Where are Emmett's curls???
Lina wrote:plus he is pretty damn sexy...........and the dimples
skylarblue wrote:lara wrote:I only lament the curls! Where are Emmett's curls???
No curls for Emmett in this movie. Kellan had just finished up shooting Generation Kill on HBO so being that it's a show about soldiers, his hair was cut and from what I read no time to grow out the curls.
So maybe in the next movie, if they let Kellan continue as Emmett (which I hope they do) maybe we will see the curls but I doubt it since they are suppose to be frozen in time.
Who knows?Lina wrote:plus he is pretty damn sexy...........and the dimples
I totally agree with you on the dimples. Love Them!
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Ethics for the new C++/CX user. Yes there are ethics for any profession.
I like the Code of the West>>
I like the code. Anyone can be part of the emerging C++/CX user. Coding Apps is one of the few technologies the emerged in the 20th Century that one of the essential finders was part of the LBGT population, Alan Turing, who committed suicide because of prejudice that society had toward his lifestyle.
So it is important that a movement have a basis of how to deal with things. Often when we create entrepreneurial companies or revolution and think that steps should be skipped. And we all do, but which steps do we cut out? And then what do we do when we are successful? Head out to Las Vegas and blow it all? Maybe. But then what? Ethics helps us form "goodness" bubbles where we all can trust that someone will do what they say or tell us when they can't.
If you are thinking about getting into C++, means you do need to consider honoring the ACM code of conduct, or at least use it as a guideling
You can find the ACM Code of Conduct at:
Or to keep it simple you could use the "Code of the West" as a fallback. Except for the part about, "Always finish what you start", with code you might not want to finish something that breaks the build. And I don't know what that line: "Ride for the Brand" means. Oh well, good one for me: "Talk Less and Say more" works.
Ethics first though. Be ethical.


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Philips Research claims record-breaking MEMS capacitors
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EINDHOVEN, Netherlands " Philips Research scientists have made MEMS (microelectromechanical systems) capacitors that could be used to enhance the performance and reduce the size of RF circuits in mobile phones.
The devices are the microscopic equivalent of air-spaced variable capacitors, but can be integrated into silicon ICs using conventional wafer fabrication processes. Philips Research claims to have achieved a ratio between maximum and minimum capacitance as high as 17, and Q-factors as high as 500, thereby outperforming virtually all other types reported so far.
The MEMS are fabricated by under-etching an area of the silicon chip's top metal layer to create a metal beam that moves up and down through electrostatic attraction in response to an applied voltage. In the case of the switched MEMS capacitor, it moves until it contacts a dielectric layer situated underneath the beam.
Philips can integrate MEMS capacitors alongside high Q-factor inductors and fixed value MIM (metal-insulator-metal) capacitors using a manufacturing process called PASSI.
The PASSI/MEMS should reduce the size of the impedance-matching network that sits between a mobile phone's power amplifier and its antenna to about half the pc-board area needed to accommodate today's discrete component networks, Philips said.
To save power, the dynamic matching can be used to accurately match the amplifier to the antenna at all RF power levels. In GSM systems, for example, where the RF power transmitted by a handset varies according to local signal conditions and the distance to the nearest basestation, this will significantly increase the power amplifier's efficiency and, hence, conserve battery power.
Philips Research is also employing MEMS capacitor technology to produce RF MEMS switches. Philips said it intends to replace PIN-diode switches with the MEMS devices.


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A grim economic reality means the Richmond County school system will continue operating under a mantra of doing more with less money.
Representatives of state Superintendent John Barge told the Richmond County Board of Education and a room full of school administrators Monday that creative measures in the classroom are needed to compensate for reduced state funding.
Barge was scheduled to be at the meeting but could not attend because of illness. Chief Academic Officer Mike Buck and Chief Financial Officer Scott Austensen spoke in his place.
"(Teachers) are having to do more and more and more with less and less and less," Buck said.
Two-thirds of state schools are operating schedules of fewer than 180 days, Buck said.
The meeting was arranged by state Rep. Wayne Howard and the local legislative delegation to address economic issues facing the school system.
Austensen said there are three primary areas of concern: a $1.1 billion austerity fund; a large decline in the tax digest; and rising health care costs for noncertified employees, who include bus drivers, lunchroom workers and secretaries, but not teachers.
"Unless the state finds revenue or unless the General Assembly is able to accomplish some sort of revenue increase, I doubt the state will be able to find more money," Austensen said.
Richmond County schools Controller Gene Spires said the system has a $22 million austerity fund. That number was even higher in budgets of the past four years, he said.
"The message (today) was don't expect any more revenue than we've been getting," said Spires, who wasn't surprised by the news.
Accelerating health care costs are hitting school systems directly, Austensen said. By 2015, health care costs for noncertified employees will be up $500 million from 2008.
Richmond County board member Jack Padgett said the system could be paying $3.45 million more – equivalent to 49 teaching positions.
Richmond County Superintendent Frank Roberson said that even with the funding concerns, the system cannot waste time neglecting achievement.
"In these days and times, with these economic challenges, doing the same or doing more with less is the new normal," he said. "We can't afford to do the same and keep up, so we are having to do more with less."


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As Angelenos plan Easter and spring-time celebrations, animal shelter officials are advising celebrants to fill baskets with chocolate bunnies – not real-life rabbits.
Giving furry, twitchy-nosed rabbits as seasonal gifts can be bad for the bunnies who get abandoned and for families surprised by the amount of care the pets require, according to the County of Los Angeles Department of Animal Care and Control.
The department is encouraging families who really want to bring home a bunny to adopt one of the many homeless rabbits at County Animal Care Centers.
In 2012, the county's Animal Care Centers experienced an influx of abandoned rabbits in the week following Easter. Thirty rabbits were brought into the county shelters -- an unusually large number for one week's time, said Evelina Villa, spokeswoman for the department.
"People get caught up in the novelty of a live rabbit as an Easter gift, and they don't really think about the long-term commitment," Villa said.
Rabbits, which live for an average of 10 years, require as much attention as dogs and cats, she said.
"They are animals that need to be socialized. The rabbit does need to spend time outside the cage," said Villa, who added that some rabbits enjoy playing with other animals in addition to people.
Rabbits also require a "bunny-proof" environment and veterinary care, according to a PetCo blog post.
"Spaying or neutering is highly recommended in order to reduce or eliminate marking issues. It also makes for a healthier and friendlier rabbit," according to the post.
Rabbits are available for purchase at some pet stores and breeders and for adoption at shelters and rescue centers.
They are also sold illegally in places such as Santee Alley in Downtown Los Angeles, a topic that has been the focus of an NBC4 investigation. NBC4's Ana Garcia exposed the problem in August 2012 and found that vendors were illegally selling unhealthy rabbits and other frail animals.
If a person is interested in having a rabbit as a pet, Villa recommends adopting a rabbit. Currently, there are 69 rabbits living in County of Los Angeles animal shelters.
Considering that high number, the shelters are holding an ongoing adoption promotion for the spring season, Villa said.
For $25, a rabbit had be adopted, spayed or neutered and implanted with a microchip at one of the county's six shelters.


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Courtesy: Ricky Zehavi for Tiffany & Co.; Tiffany & Co.
Courtesy: Ricky Zehavi for Tiffany & Co.; Tiffany & Co.
It seems like everyone is buzzing with anticipation for the release of Baz Luhrman's The Great Gatsby film, starring Leonardo DiCaprio, Isla Fisher and Carey Mulligan, even iconic brands like Tiffany & Co.!
To celebrate the glamorous film, the luxury jewelry company unveiled stunning window displays at their famous Fifth Avenue location today in New York City, exuding the opulent style and grand splendor of the American Jazz age.
And quite fittingly, the spectacular presentation magnificently highlights the debut of the brand's 2013 Blue Book collection, which features only the most glamorous and one-of-a-kind pieces in the world.
We're betting that Daisy Buchanan would approve!
Tiffany & Co. will replicate The Great Gatsby installation at select retail stores internationally and throughout the U.S.
Are you excited to see The Great Gatsby?


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Silent & Live Auctions
Check out the Friends Of The Carter Caves Silent & Live Auctions!
The Friends of Carter Caves group is hosting a silent auction followed by a LIVE auction on Saturday night in the Fields Room of the Lodge. The auction items will be displayed on Saturday in the Fields Room for everyone to browse. We also have some awesome guided adventure trips being offered up! The silent auction will run from 3:00pm until 7:00pm on Saturday and the live auction will begin around 7:45pm. You won't want to miss it – music, fellowship and FUN!
Come prepared to bid! Cash, check and PayPal payments accepted. All proceeds benefit the Friends of The Carter Caves group, which is a Kentucky non-profit, 501(c)3, tax exempt organization funded by donations.
Have an item to donate? Read our letter. Bring it to Winter Adventure Weekend! Contact Kelly Niceley at email@example.com.
You'll be able to bid on these fine items and more!
Click here to view these pictures larger
|One night in a cottage at Carter Caves
|Kentucky State Parks
|Round of golf (18 holes) with cart at Carter Caves State Park
|Kentucky State Parks
|Two nights of camping at Carter Caves State Park
|Kentucky State Parks
|Gift basket from Gift Shop at Carter Caves State Park
|Kentucky State Parks
|Two registrations for the 2018 Winter Adventure Weekend
|Kentucky State Parks
|Murder Mystery Dinner for two at Carter Caves State Park - November 2017
|Kentucky State Parks


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A complex storm system moving up the eastern seaboard in the next 24 hours brings a round of wind-driven rain to much of the tri-state area today into tonight.
Periods of rain will continue into the evening commute, varying in intensity with some locally heavy downpours possible.
The heaviest of the rain will tend to fall out across eastern Long Island and Connecticut.
Some local street and highway flooding is possible in areas of poor drainage, but no major flooding is expected from this system at this point.
The rain will diminish to showers overnight and taper off by morning.
Dry air will push in and the skies will partially clear Thursday with temperatures climbing well into the 60s.
Friday through Sunday will feature partly to mostly sunny days with highs near 60 degrees and clear crisp nights with lows in the 40s in the city and some 30s in the suburbs.
The other component of this storm will be the gusty winds out of the northeast.
Some areas, especially nearer the coast, could see gusts of 30 to 35 mph or more later this afternoon and early evening.
The wind will stay fairly strong and gusty Thursday as well but will shift into the southwest at 15 to 25 mph.
Rainfall totals should average around an inch or so near the city with locally higher amounts of 2 to 3 inches possible in areas of heavier downpours, mainly over eastern Long Island and Connecticut.


text: Tim Boyle Getty Images Do You Remember Your First Car? By Dennis Oliver November 29, 2012 I don't know why, but today I thought about the first car I ever had. Read More Category: Illinois, Music Tags: My First Car. Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Film Forum/Photofest
Mr. De Niro, left, and David Proval in Martin Scorsese's "Mean Streets" (1973), to be shown at Film Forum's series "New Yawk New Wave."
THE past 20 years or so have turned indie filmmaking into a brand as much as an ethos, and one side effect has been a certain amnesia. Long before indie became the trademark of a festival in Utah (much less a term at times as contentious as hipster), a revolution in cinema occurred on several fronts in New York. Shot on location, often on meager budgets, these films tapped into the city's cultural and social energies: its streets, its people, its artistic fervor.
But this wasn't the 1990s, or even the '80s — more along the lines of Eisenhower or Kennedy.
Released in 1953, "Little Fugitive," for example, was a feature directed by the photographers turned filmmakers Morris Engel and his wife, Ruth Orkin, and Ray Ashley. Perhaps the granddaddy of the independents, shot on a hand-held, modified 35-millimeter camera, it follows a boy run amok in Brooklyn who has been tricked into thinking he has shot his brother.
Only a few years later, the actor turned filmmaker John Cassavetes's debut feature, "Shadows," drew on a mostly nonprofessional cast and the verve of jazz for its stories of interracial romance and just hanging out. Not long after, "The Connection," by Shirley Clarke, brought to the screen Jack Gelber's 1959 play about heroin users, with its addict's sense of dead time and Beat-inflected theatrics.
These three films — all landmarks — are only part of the independent craft on display in a sprawling series opening at Film Forum this week. Gathering over 50 restless films under one roof, "New Yawk New Wave" focuses on the fertile span from 1953 ("Little Fugitive") to 1973, when Martin Scorsese's independently produced "Mean Streets" was distributed by Warner Brothers.
The selection is multifaceted. Here are Brian De Palma's pre-"Carrie" counterculture trips "Hi, Mom!" and "Greetings," starring a young Robert De Niro; the smart-aleck culture jam "Putney Swope" of Robert Downey (father of Hollywood's Iron Man); and the first feature by the avant-garde godfather and exhibitor Jonas Mekas, a founder of the movement called the New American Cinema.
Clarke's "Connection" rubs shoulders with Lionel Rogosin's skid-row expos?, "On the Bowery," while in D. A. Pennebaker's "Jingle Bells" and Robert Drew and Hope Ryden's "Jane," Robert F. Kennedy and Jane Fonda go about their business under the eye of cin?ma v?rit? pioneers.
You'll also find a double bill of differently suspenseful subway thrillers ("Dutchman," written by Amiri Baraka, and "The Incident," starring Martin Sheen and the future spaghetti western star Tony Musante), work by the Warhol associate Paul Morrissey and the underground mainstays Kenneth Anger and Mike and George Kuchar, not to mention one of the novelist Norman Mailer's forays into no-holds-barred filmmaking, "Maidstone" (in which he wrestles with Rip Torn).
Astonishingly, most of these films came out in one 10-year period and traded crosscurrents with booms across the Atlantic, like the French New Wave and the earlier Italian neorealism.
"What struck me regarding 'Little Fugitive' was that Truffaut credited it with inspiring the French New Wave," the critic J. Hoberman, who conceived the series, said in a phone interview. He advised Film Forum's director of repertory programming, Bruce Goldstein, in charting the "parallel tradition" in the lineup: New York's alternatives to Hollywood's studio productions.
Truffaut wasn't the only Frenchman curious about "Little Fugitive." Jean-Luc Godard wrote Engel that his cinematographer, Raoul Coutard, would be getting in touch to "have a look at your camera from his technical point of you."
The practical problem of designing mobile cameras was also very much on the mind of Mr. Drew. The documentarian shared the notion that a fresher take on reality was yet to be discovered.
"I was at Life magazine producing picture stories, and I wondered why documentaries on television were dull," recalled Mr. Drew, who calls Engel a genius, in a phone interview. "I had no doubt we could make a lighter camera, and I started with that premise and started finding people who could do that." He recruited Richard Leacock, who in turn brought on Mr. Pennebaker. A camera engineer named Mitchell Bogdanowicz ultimately hit upon the plastic gears that made the cameras run quietly.
The immediacy of cin?ma v?rit? was not the only model for capturing spontaneous moments on film. Jazz improvisation and the theater were also inspirations in a city that was home to countless thriving clubs as well as the experiments of the Living Theater and the Actors Studio.
Cassavetes's "Shadows" features music performed by Charles Mingus and Shafi Hadi, but also an infectiously freewheeling sense of filmmaking and desire to tap into the moment. Clarke's theater adaptation, "The Connection," draws on the bop of Freddie Redd's quartet, while "The Cool World" features a score by Mal Waldron recorded by Dizzy Gillespie. Herbert Danska's 1966 film "Sweet Love, Bitter," also in the series, tells the story of a saxophonist modeled on Charlie Parker, and played by Dick Gregory.
Besides capturing the city's sound, these New York filmmakers also wanted to get its lived-in look, not the anonymous classy or brassy hustle and bustle of so many Hollywood studio films. "Little Fugitive," which receives a weeklong run at the end of the series, takes us to Brooklyn tenements and the carousel on Coney Island. Michael Roemer's deadpan 1969 classic about an ex-con outmatched in the catering business, "The Plot Against Harry," was purposely shot across Brooklyn, Queens and the Bronx without regard to landmarks.
Clarke's "Cool World" is widely regarded as the first fiction feature shot entirely on location in Harlem. The director's star, Rony Clanton, was discovered working at a church at 14 by Clarke's collaborator the actor Carl Lee.
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Allen & Overy (A&O), Ashurst, Debevoise & Plimpton and Skadden Arps Slate Meagher & Flom have advised on Doughty Hanson's £935m sale of cinema operator Vue Entertainment to Canadian buyers OMERS Private Equity and Alberta Investment Management Corporation (Aimco).
A&O advised OMERS, led by London private equity partner Gordon Milne with senior associate Joanna Elvidge assisting him.
Ashurst acted for Aimco on the acquisition with a team led by global corporate head Stephen Lloyd, who was assisted by senior associate Nicola Burke and associate Lucy Phillips. Tax partner Richard Palmer also advised, as did antitrust associate Alexi Dimitriou.
Debevoise advised Vue's management, fielding London-based lead corporate partner David Innes, with assistance from associate Ken Barry. London partner Richard Ward provided tax advice.
Skadden guided Doughty Hanson, putting forward a team led by London corporate partner Allan Murray-Jones together with corporate partner Shaun Lascelles and associate Simon Rootsey.
Background to this deal:
A&O has had a long relationship with OMERS since the private equity house opened its London office in 2009. Milne acted for it on the purchase of Lifeways Community Care from August Private Equity, which was represented by Shoosmiths, in 2012.
This was the first time that Ashurst had advised Aimco on a private equity deal. However, real estate partner Gerald Kelly and finance partner Nick Benham had advised it on real estate and infrastructure projects in the past, prompting Aimco to approach Lloyd's corporate team for this deal.
Earlier this year, Debevoise advised the executive directors of another Doughty Hanson portfolio company HellermannTyton on its London listing, which was priced at 195p per share, valuing the business at £419.9m
Skadden has a long-established relationship with Doughty Hanson. Partners Murray-Jones, Lascelles and Pete Coulton have advised the company on a number of recent deals, including its acquisition of fibre-optic connections and ethernet service provider Eurofiber Nederland from Dutch investment group Reggeborgh Groep, the $1.1bn sale of the Netherlands' Norit, a manufacturer of carbon-based products, to Cabot Corporation, both in 2012. The US firms also adviser the client on its £250m acquisition of a majority stake in oilfield logistics business ASCO in 2011.
For a roundup of May's deals including a profile of Ashurst's Stephen Lloyd, see City analysis: Big time


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Today I'm sharing a tutorial for this amazing felt flower tree skirt to finish off your Christmas tree! I shared this as a guest post at Sugar Bee Crafts last week, but wanted to make sure you all saw it here as well 🙂 I saw one similar to this on pinterest last year, and was completely smitten. Unfortunately, it had been $320 and wasn't even available any longer, so I set out to make my own.
Supplies needed:
- craft felt (I used 2.5 yards for a 36″ wide tree skirt and all the flowers)
- scissors
- needle and thread (in same color as felt)
- fabri-tac or other felt adhesive
- optional: pearls or beads to decorate flowers
First, you need to figure out how big you want your tree skirt to be. This is for a small area in our house and a relatively small tree, so I only wanted my tree skirt to be 36″ wide. I folded some red felt in quarters, and used a piece of string to make a quarter circle with a radius of 18″. This will actually give you a solid circle piece, so if you want it to fit around your tree you'll need to cut a smaller hole (mine is about 4″ wide, so 2″ radius) in the middle and a slit from one hole to the other so you can get it around your tree.
These flowers are the main awesomeness of this tree skirt. It can take a while to make enough of them for a full tree skirt, but they're not hard to make. I used two slightly different sizes – a larger size mostly for the outer ring, and the smaller size mostly for the inner ring of flowers.
Each of my felt flowers has three of these felt pieces. You can download a printable template to trace here if you want, or free hand yours based on the shape above. To download the printable template pdf, either click on the image above or click here. It will open up the image in a new window in your browser, and you can right click then 'save as' to save it to your computer.
To make each flower, cut out three petals. Fold the center of each petal in half long-ways, and then fold the edges back up (see right photo above).
Then fold each of these petals the other way at the center, so that the two individual petals are next to each other. Sew through the center of three of these a couple times to make each flower, making sure to go through all layers.
The flowers look nice from both the front and the back – just pick one to use for all your flowers. I chose what I think of as the front – the one on the left in the photo above. Once you think you may have enough flowers (I used 60!), start arranging them around your tree skirt. I did two overlapping layers, but more could look awesome on a bigger tree skirt.
Once you have figured out where you want them, it's time to start attaching them. I started using a needle and thread to attach each one, but that was taking a really long time. I ended up using fabri-tac. It worked great on the felt! I had a couple fall off initially, but just stuck them right back on with fabri-tac. I actually made this skirt last year, and I didn't have any more of the flowers fall off through presents on the tree skirt, putting it away in storage, and pulling it back out this year.
I also used fabri-tac to stick on little pearls in the middle of each flower. I think it makes them look more festive and a bit more like flowers.
For the edges of the tree skirt, I covered some buttons with the same red felt and sewed on loops of red/white baker's twine.


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Nation's 'drug czar' to address Arkansas group
Every day, 2,200 teenagers use a prescription drug to get high for the first time, according to the U.S. Drug Enforcement Administration. They're getting these drugs at home, as easily as opening a cupboard, drawer or medicine cabinet.
In 2007, Arkansas was reported to have the worst teen prescription pain reliever abuse problem in the entire United States. The nation's drug czar is to speak at an Arkansas event devoted to examining the steep increase in abuse of prescription drugs. R. Gil Kerlikowske, director of the White House Office of National Drug Control Policy, is to make a lunchtime speech Thursday at the Statehouse Convention Center in downtown Little Rock.
Earlier this year, Kerlikowske announced a policy shift in addressing the nation's drug abuse problem. Instead of focusing on law enforcement, the office is emphasizing prevention, education and treatment.
Kerlikowske has asked for a $1.4 billion increase in his 2014 budget for treatment of addiction.
Other speakers at the Arkansas Prescription Drug Abuse Summit include physicians, drug enforcement officials and others.
Teens abuse prescription drugs because they can get to them easily without paying for them. In fact, according to NSDUH, 65 percent of kids ages 12-17 who have abused pain relievers say they got them from their friends or family. Usually the friend or family member doesn't even know. Authorities encourage people protect your prescriptions the same way you would protect jewelry or cash.
Safely disposing of expired or unused prescription medications is vital to help protect your teens. Here are ways to help lower the risk of your teens or their friends abusing your medications:
1) When your teens are not at home, go through your medications and throw away expired or unused prescription drugs.
2) The best way to dispose of your medications is through take-back events and prescription return drop boxes sponsored by local law enforcement agencies.
3) Teenagers will get prescription drugs from the trash. If take-back events or drop boxes are not available, mix the medication with a substance such as used coffee grounds or kitty litter. Put the mixture into an empty can or bag, and throw it away.
4) Do not flush medicine down the drain or toilet.
5) Remove any personal information from prescription bottles or pill packages before you throw them away. This will prevent refills and protect your family's privacy.


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KC Resort & Over Water Villas
Award-Winning Five Star Koh Samui Escape with Meals, Massages & More
- About
- Fine Print
- Additional T&Cs
- Inclusions
- Facilities
- Reviews
The Offer
Option 1: four nights for two people in a grand deluxe jacuzzi room at an award-winning five star Koh Samui resort.
Option 2: seven nights for two people in a grand deluxe jacuzzi room at an award-winning five star Koh Samui resort.
Option 3: seven nights for two people in an over water villa, a luxurious villa built over a pool with glass floor panelling.
Your stay includes breakfast daily, a half hour Thai massage each, a Thai set dinner for two at the award-winning on-site restaurant, complimentary wi-fi throughout the hotel, complimentary return airport transfers and more (see "Inclusions" tab for further details).
Enjoy a generous 40% bonus discount on most spa treatments, and a 20% bonus discount on food and beverages.
What We Like
KC Resort & Over Water Villas was named "Signature Luxury Resort" and "Resort of the Year" in the 2011 Hospitality Asia Platinum Awards (HAPA).
After a warm welcome with a complimentary drink and refreshing towel, you'll be shown to your lush room; modern and spacious, it boasts a private balcony with views, a bathroom with a luxurious spa bath and rain shower, an oversized bed furnished with a custom-made mattress and free wi-fi access (see "Facilities" tab for further information).
Just a five minute drive from the bustling Chaweng Beach, KC Resort enjoys an idyllic location with breathtaking views of Koh Samui's azure waters.
While away the sun-soaked hours in the infinity pool gazing out to the beautiful bay, lounge around on the panoramic rooftop deck or make use of the on-site fitness centre.
Relish exquisite local cuisine and sublime ocean views at the View Restaurant and Wine Lounge, where you will have a dining experience tailored just for you by the Executive Chef, then top it off with a refreshing cocktail at the wine lounge bar and terrace; The View Restaurant and Wine Lounge was voted the "Most Chic All-Day Dining" restaurant by HAPA in 2011.
The Company
The Fine Print
Ouffer Booking Guarantee: If you've tried to make a booking and are unable to make a reservation for your desired travel dates, Ouffer will happily organise a refund for you! Just let us know before 16 May 2012
Offer expires on 19 December 2012
Not valid with any other offer
Bookings are essential and are subject to availability
24 hour cancellation policy applies or voucher is forfeited
Contact details for KC Resort can be found on the voucher.
Extra additional nights can be booked for a fee of $111 per room per night and includes breakfast for 2 people, except during peak season (15 July 2012 – 31 August 2012) when the fee is $171 per room, per night, payable directly to the resort upon arrival.
Stays during peak season (15 July 2012 – 31 August 2013) incur a $240 surcharge for a 4 night stay and a $420 surcharge for a 7 night stay, payable directly to the resort upon arrival.
Extra nights must be booked with the hotel directly and paid upon arrival at the hotel and are non commissionable.
A maximum of 2 adults (3rd adult – see condition below); 2 adults plus one child below 12 years old; or 1 adult and 2 children below 12 years old per room can use existing bedding.
An additional adult (3rd person) can stay in the room but will be charged 2,000 baht per night, which includes the extra bed and daily breakfast.
An additional child will be charged 1,000 baht per night, which includes the extra bed and daily breakfast.
If the additional child does not require an extra bed, there will be a charge of 250 baht per day for breakfast.
Additional charges are to be paid directly to the resort on arrival.
The set dinner does not include beverages.
The 20% food and beverage discount does not apply during happy hour.
The 40% discount on spa treaments does not include facials or special treatments.
Complimentary Inclusions
Daily breakfasts & return transfer airport transfers
30 minute Thai massage per person/stay
A Thai Set dinner per person/stay
Free wireless internet throughout the hotelFree Internet corner
20% discount on food & beverages
40% discount on spa treatments/massages
Free hotel shuttle bus to/from Chaweng centre as per hotel's bus schedule
Welcome drink and cold towel on arrival
Upgrades (all periods):
Deluxe Jacuzzi (sea view room): $49 per room/night
Honeymoon Suite (living room/1 bedroom; sea view): $99 per room/night
Over Water Pool Villa (sea view): $159 per room/night
Grand Deluxe Jacuzzi Room
Private small balcony with garden/island view
Large bathroom with spa bath (jacuzzi)
Air conditioning
Lounge area
Complimentary toiletries
Flat-screen TV with satellite channels
Over Water Villa
Spectacular over water glass bottom floor
Private pool
Large bathroom with spa bath
Air conditioning
Lounge area
Complimentary toiletries
Flat-screen TV with satellite channels
Infinity pool
Restaurant and Wine Lounge
Panorama pool bar
Panoramic rooftop terrace
Spa centre
Fitness centre
Sauna / Steam room
Free shuttle service between the resort and Chaweng Beach
Room Upgrade Option 1: Deluxe Jacuzzi Suite
Private bigger balcony and jacuzzi bath tub with sea view
Bathroom with shower
Air conditioning
Complimentary toiletries
Flat-screen TV with satellite channels
Room Upgrade Option 2: Honeymoon Suite
1 bedroom with separate living room
Private big balcony and jacuzzi bath tub with sea view
Bathroom with shower
Air conditioning
Complimentary toiletries
Flat-screen TV with satellite channels
This was our second viist to this resort and this time we stayed in the over water pool villas, which were fantastic, very spacious and in pristine condition, with lovely private pool - ours had in fact just been refurbished. We really like the location as it is within easy access of Chaweng (walking distance or tuk tuk costing a few Thai Bahts) but far enough away to be quiet and still with enough local amenities so best of both worlds. The Thai food was excellent and the restaurant offered amazing views over the bay. The hotel is located on a hill but this is not a problem as the golf buggy service operate 24 hours a day and so if you dont want to walk you simply call for a buggy. The pool villas would be perfect for couples and honeymooners."tripadvisor.com.au
KC Resort is an exceptional place to stay, situated near the top of a hill it has a spectacular view. The rooms are well appointed, clean and furnished nicely and the service in house is without fault...they have three courtesy bus trips into Chaweng each day and have golf buggies to collect and deliver guests up and down the hill. Its about a 15 minute walk into Chaweng by road, however my preference was to cut through the grounds of a neighbouring hotel to the beach and stroll along the beach into town. The infinity style pool has one of the best pool views I've ever experienced. Highly recommended."tripadvisor.com.au
This is an amazing hotel! Highly recommend staying here if you appreciate great service and clean, quiet rooms. All staff were extremely nice and helpful and happy to help with any questions. Our rooms was lovely with a great view of the ocean and the double spa on the balcony was an added benefit. The buffet breakfast was well catered for and the choice was vast. If you dont like this hotel, there's something wrong with you!!!"tripadvisor.com.au
Expand Help
+Can I form a business partnership with Ouffer?
We're always happy to hear from business-owners, or people who believe a business (of any kind) would benefit from our hugely powerful marketing platform, or from others interested in forming a business partnership of any kind, from all over the world.
In order to enquire about getting a business featured on Ouffer, please send an email to firstname.lastname@example.com, with the following details...
- Business Name
- Location
- Website
- Contact Phone
- Best Time to Call
- Catalogue (if applicable)
- Product(s) (if applicable)
For other proposed business partnerships, please email us at firstname.lastname@example.com with some more information about your proposition below and we will be sure to get back to you very soon.
We look forward to hearing from you!
Not found what you are looking for? Submit an enquiry
+Can I work at Ouffer?
Ouffer is always looking to add new talented people to our fantastic team! Please check our Jobs page for any current vacancies. Alternatively, just send your CV/Resume to firstname.lastname@example.com along with a brief cover letter and we will be sure to get back to you in due course.
Not found what you are looking for? Submit an enquiry
+Can I use a voucher after it has expired?
Voucher redemption is at the discretion of the business providing the service or product. Most businesses tend to enforce the validity terms of the voucher and often are not able to extend past the validity date. We always prefer if our members can use their voucher at any time, but unfortunately, redemption after expiry is purely at the discretion of the business.
Please note, many businesses book out prior to the voucher expiry - we suggest making a booking at least four weeks prior to the end of the validity period (and if you're trying to get a booking for a popular time, like a weekend, the booking should be made as soon as possible. The earlier you book, the more likely it is that you will get your preferred booking time!)
It is very rare for Ouffer to issue a refund in cases where the voucher has expired. Most offers have a redemption period of at least 3 months, which is usually plenty of time for all purchasers to use their voucher. In any case - the expiry date of each offer is clearly stated in the "Fine Print" section of the offer page, and it is the responsibility of the purchaser to ensure that they have availed of the offer before this date!
Not found what you are looking for? Submit an enquiry
+How can I resolve an issue with a past/present offer?
Please note that Ouffer is the medium through which businesses feature their services, and cannot be held responsible for the services provided by such businesses. If you have a complaint about a featured business or the service that they have provided, the first step should be to contact the business directly. They may be able to take steps to resolve the situation, which will usually be similar to steps taken when dealing with any customer complaint.
You will be able to find contact details for the featured business on the offer-page. Other conditions (such as the expiry date) can be found in the "Company" section of the offer-page.
Alternatively, you can ask the Ouffer Customer Experience Team and we will get back to you as soon as possible.
Please note, it is really important whenever making a refund request to provide very detailed and accurate information - if any information provided is false, we will not be able to provide a refund to you.
We always provide a credit or refund when a business is no longer operating and you have a valid voucher. You can find our Refund Policy at http://experiences.ouffer.com/refund-policy-adma for further information.
If you would like a refund for any other reason, please let us know via email to email@example.com. Our support team will always do their best to assist.
Not found what you are looking for? Submit an enquiry
+How can I resolve an issue with a product I purchased?
If you've purchased a product that you redeemed directly with a vendor, the first step is to try to contact them - their details should be on the voucher.
If you the vendor isn't getting back to you, or if you've purchased a product that was shipped directly to you without the need to redeem your voucher, please let us know exactly what the difficulties you have are by email to firstname.lastname@example.com and we'll do our best to help!
We are only able to offer refunds in cases where items are faulty, damaged or incorrectly advertised.
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+How can I unsubscribe from receiving your emails?
If you would like to unsubscribe from receiving emails from Ouffer in future, please go to My Account and then click on My Subscriptions.
On that page you can choose exactly what emails you want (you can even choose to receive an email once a week, instead of every day) or you can unsubscribe from all our emails in just a few quick clicks!
Not found what you are looking for? Submit an enquiry
+How do I buy an offer?
Firstly, make sure you are signed up!
Then, after logging in - click 'Buy Now' towards the top-right of the offer page. On the next page, you will be asked to confirm the quantity of vouchers that you wish to purchase (if you're using credits to purchase, this is where you can select how much credit you want to use).
If you're buying a product, you may also be required to provide your Postal Address, or your choice of redemption location. Always make sure you enter the correct address for delivery.
Once you've done all that, you can then go ahead and click "Complete My Order" towards the bottom of the page. The number of credits selected (if any) will be deducted from the cost of the voucher, and the corresponding number of credits removed from your account.
Follow the on-screen instructions from here - you can pay via a registered PayPal account, or using your credit/debit card.
As always, if you you have any questions at all, please don't hesitate to contact us at email@example.com.
Not found what you are looking for? Submit an enquiry
+How do I locate my voucher?
After you buy a voucher, you'll get an email with a link to download (and print) your voucher. Unfortunately, some mail servers automatically transfer our emails to your 'junk' mail box.
(If you haven't been getting our emails, it's also a good idea to make sure that you added us as a 'safe sender' to make sure our emails aren't going to your junk box!)
But, you can also actually log into your account and print the vouchers off whenever you like! Here's how:
- Sign into the site,
- Hover over "My Account" at the top-middle of the screen.
- Choose "My Ouffers" from the drop-down menu.
- Choose "All" towards the top-right corner of the screen.
- Click "View/Print" next to the voucher you need to view/print.
Instructions on how to redeem the voucher will be contained on the voucher itself.
Things to keep in mind:
Lots of our members have more than one email address – if you log into your account and you can't find your voucher, you may have used a different email address to purchase – for example your work email or your personal email address. Try all the email addresses you have and if you still can't find it, let us know.
If you used PayPal to purchase, what happens is that a new account will be created using your PayPal email address. If your login email for PayPal and Ouffer are the same then there won't be any problems, but if you use a different address for PayPal, a new Ouffer account with that PayPal email will be created. Your voucher will be placed in that account.
If you purchased a voucher and it isn't showing up, the next step is to check your credit card statement (on-line if you have access!). If there is a charge there, please send an email right away to Ouffer so the team can investigate it for you. Please include as much detail as possible to help us assist you as quick as we can.
Not found what you are looking for? Submit an enquiry
+How do I refer a friend?
In order to refer a friend to Ouffer, you just need to…
First log in to Ouffer! After logging in, in the top corner of the page, there is a link which says "Invite Friends, get $5". You will then be taken to a page that provides personal "referral link". You can copy and paste this link into an email to all of your family and friends (or even use the Facebook and Twitter sharing buttons). If any of your friends sign up to Ouffer, we'll give you $5 credit as soon as they make their first purchase.
If you have any questions about referring friends, please email us at email@example.com.
Not found what you are looking for? Submit an enquiry
+I've booked my travel dates with the hotel - am I able to change them?
Most of our hotel partners allow one change of date, however, that will depend on the hotel's cancellation policy (and how far away your booking is). If your booking is for tomorrow, it is unlikely you will be able to change your travel date, however, if your booking is six months away, most hotels will accommodate a change of date. Some hotels may charge a small administrative fee for any chances (at their own discretion).
We're more than happy to assist where we can, but any date requests need to be made with the hotel directly.
Not found what you are looking for? Submit an enquiry
+I bought a gift voucher, how do I find it?
At the end of the offer, we will send a link to download the gift voucher – exactly like a normal voucher. You can send the voucher as a PDF to the lucky recipient, or you can print it off and combine I with a card if you prefer!
To find your gift vouchers you just need to log on to Ouffer and then click on the "My Account" link, which appears once you have signed in, and select My Ouffers.
Once you've logged in you will notice several tabs, 'Active', 'Used', 'Offered', 'Expired' and 'All' If you click on Offered you'll be able to see any gift vouchers you've bought!
Not found what you are looking for? Submit an enquiry
+I bought an offer - what do I do now?
You will find instructions on how to redeem the offer on the voucher itself. Depending on the offer you've purchased, you may need to contact the featured business to make a booking - contact details will be provided on the voucher. You may also find them in the "Fine Print" or "Company" section on the offer page, along with any other conditions relevant to that particular offer.
Your redemption code is the code printed at the top of your voucher - in almost all cases, you will need to give this code when redeeming the offer you have purchased - this is so that our partners can verify that the voucher is valid and provide you with the service advertised.
Not found what you are looking for? Submit an enquiry
+I can't use my voucher any more - can I give it to someone else?
Yes, your vouchers should be fully transferable (unless the terms of a specific offer state otherwise). So long as you haven't used part of your voucher, you can give it to a friend or family member. If you've had part of a treatment or service, you aren't able to give the voucher away though.
If a voucher has expired, it unfortunately can't be used by anyone.
Whenever you buy a voucher which needs a booking, always be sure to book well in advance of the expiry - the earlier the better. Just to make sure no one misses out, most vouchers will need to be booked between two and four weeks before their expiry.
Not found what you are looking for? Submit an enquiry
+Is Ouffer a secure site?
Ouffer is fully secured by Verisign, the highest level of security a website can have. All financial details are passed directly on to our merchant processor, so not even our staff have access to any credit card details.
Not found what you are looking for? Submit an enquiry
+I want to speak to someone, who do I contact?
If you need our help for any reason, please don't hesitate to contact us at firstname.lastname@example.com so one of our Melbourne and Sydney based team can help you!
In order for us address your issue as quickly as possible, please try to include the following (where possible):
- The email address you have registered your account with
- Your voucher/redemption code
- The name of the service-provider/business for which you purchased your voucher
The above information will enable us to provide you with a much quicker response!
We like to try to reply to any enquiry as quickly as possible. Our support team are based in Sydney and Melbourne, working between 9.00am and 8.00pm AEST. If your contact us outside those hours, it may take us a bit longer to reply.
In the event that you have attempted to contact us and you haven't got a reply after 2 business day, it's possible that your email didn't make it through to us for some reason - we will never not reply to an email.
If this happens, please try to send another email from a different email address to email@example.com.
Not found what you are looking for? Submit an enquiry
+My Password isn't working - What can I do?
If your password doesn't work, you can get a new one by clicking on the "Forgot Password" link underneath the login box.
You should get an automated email sent to you – if that doesn't work, it probably means your email account may be blocking our emails! First thing to do is to check your junk mail box and there should be an email in there. If there is, please add us as a safe sender.
If you can't find an email from us, just send us a quick email to email@example.com and our team will be able to help out and create a new password for you!
Not found what you are looking for? Submit an enquiry
+What does the 'Mark as Used' Button do?
The 'Mark as Used' button allows you to move your used vouchers to the Used section. That way, you can check exactly what vouchers have yet to be used.
It's pretty handy when you've bought a few vouchers for one place but don't use them all at once. You can check your used vouchers by clicking on USED Vouchers and also, if you click Mark as Used by mistake, you can bring the voucher back by clicking on Mark as New – good as new!
Not found what you are looking for? Submit an enquiry
+What is credit, and how do I use it?
If you are using credits for your entire purchase, you won't need to enter any credit card details - you can just ignore the box.
If you are using credit for part of the purchase, you will need to use a credit card to 'top up' the purchase. For example, if you have $15 credit stored up, and you are buying something that costs $100, you would just need to pay the $85 top-up amount from your credit card or PayPal account.
Your credits will expire 365 days after they have been granted, although this doesn't apply to specific promotions which state otherwise.
Your credit is personal to you, so you can't give it away - but you can buy a voucher for someone as a gift using your credit.
If you look at your bank statement right after a purchase, you may notice more than one charge on there (usually, there will be the full amount and the amount less the credit on your statement).
That is an unfortunate requirement of the banks – we haven't really charged you twice! The charge you noticed for the full amount is what banks call a 'pre-authorisation'. Ouffer doesn't actually charge anything until after the deal closes – the pre-authorisation is just a hold on those funds.
When our system goes to charge you, it will see that you are using credit and will adjust the cost accordingly. The original 'pre-authorisation' will 'drop off' within one to five business days (depending on which bank you're with).
Not found what you are looking for? Submit an enquiry
+Why have I been charged twice?
If there are two charges on your statement, it is most likely that the first is a 'pre-authorisation', rather than an actual charge. The 'pre-authorisation' will be removed by your bank between one to five business days (depending on which bank you use for your credit card).
If you noticed that you actually bought more vouchers than you intended, please contact us at firstname.lastname@example.com immediately. So long as Ouffer is told promptly, we can usually credit or refund the mistakenly bought vouchers (but that will depend on how quickly we've been notified and if any bank or administration fees have been incurred).
Not found what you are looking for? Submit an enquiry
+Who can I contact for help?
If you need assistance and can't find an answer on this page, you can find a link to our Contact Us Form below.
If the Contact Us form isn't working, you can get in touch with us at firstname.lastname@example.com - but, if you can, please use the Contact Us Form - this will help us better understand what you need so we can get back to you quicker!
While we do whatever we can to get back to you as quick as we can, please allow between 1-2 working days for a reply.
Not found what you are looking for? Submit an enquiry
Daily Inspirations


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Most couples prefer anniversary
Photo: Visual/Photos
Traditional Tu B'Av celebration
Photo: Effi Sharir
Shoshi Becker; don't shame those without
Photo: Yoav Friedman
Tu B'Av beats Valentines Day, but private anniversaries are the leading holiday of love among Israeli Jews, according to Ynet's weekly Judaism poll in association with the Gesher organization.
According to the poll, 58% of couples celebrate their anniversary, while only 21% will be celebrating Tu B'Av on Monday.
The poll was conducted by the Mutagim Institute, among 500 respondents who constitute a representative sample of the adult Hebrew-speaking Jewish population in Israel.
In response to the question: "What love holiday do you celebrate?" 58% of the respondent said they preferred their own anniversary. Twenty-one percent said they would celebrate Tu B'Av with their partner, and 13% celebrate Valentine's Day on February 14.
Twenty-six percent did not answer the question. It should be noted that part of the participants chose more than one answer.
A breakdown of the results by religious affiliation showed that private anniversaries prevailed among all sectors of the Israeli Jewish society, as 55% of secular Jews, 57% of traditional Jews, 61% of haredim and 64% of religious Jews chose their anniversary as the day to celebrate love.
Tu B'Av is least celebrated by haredim, with only 4%, as opposed to 18% - 31% among other respondents. As expected, Valentines Day is least popular among the religious and haredim, with only 1% of religious Jews celebrating the Christian holiday and 0% of haredim.
Money or a present?
The poll's second question asked respondents what they tend to give newlyweds as wedding gifts. Eighty-eight percent said that they usually gave money, and only 12% said they gave gifts.
Almost all secular and traditional Jews give money as a wedding gift (91%) compared to 85% of religious Jews and 71% haredim.
And how much do they give? A check in the average amount of NIS 401is the appropriate amount, according to the poll, but a simple analysis shows that one would be better off inviting seculars to their wedding, as they on average give the handsome sum of NIS 448 while haredim settle for less than half, with NIS 204. Traditional and religious Jews pay NIS 391 and NIS 366 on average respectively.
'Don't shame those without'
Gesher Director Shoshi Becker explained that the haredi tendency to give presents or more modest sums of money as wedding gifts to the many weddings they attend, is part of a culture that encourages simplicity and due to the sector's financial abilities.
"According to tradition, Israel's daughters would dress in white borrowed clothes on Tu B'Av so as not to shame those who do not have new clothes," Becker said, "this could be the time to bring back the lovely custom of not shaming those without, and lead a culture of simplicity at weddings, that does not take away from the love and the joy."
See all talkbacks "Private anniversaries beat Tu B'Av, Valentines Day"


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IT Service Providers Can Assist With Growing Compliance Challenges
Recent issues, including terrorist threats and identity theft, have resulted in a flurry of additional information-security regulations over the last decade. As credit unions walk a fine line between protecting their members' data and ensuring they have the necessary resources to comply with regulations, the high cost of compliance continues to climb year after year. With the NCUA and state regulators' shift toward a risk-focused examination program, the Bank Security Act and IT security compliance are two areas in which IT service providers receive a high volume of questions and provide a great deal of assistance.
Because most CUs do not have a full-time compliance officer on staff, they leverage their local league's resources for guidance and assistance on regulatory requirements. However, CUs often reach out to IT service providers for assistance during the implementation phase of critical IT initiatives.
Credit Union On-Line is subject to some of the same regular examinations and audits that CUs go through, so we are well-versed in CU regulatory requirements, a unique point of view on the key tools and best practices that enable organizations to successfully mitigate risk. CUs need BSA and general information security compliance programs that effectively monitor daily operations to assure compliance with rules and regulations. In our experience, it's relatively easy for single common bond sponsor CUs to work with their memberships more intimately in order to develop a better understanding of their business transactions. This type of personal relationship with their memberships helps make BSA compliance a bit easier.
But, it is an IT service provider's role to assist both community charter, as well as single common bond sponsor CUs, in simplifying the compliance process. Whether providing enhanced reports to identify activity and details required to produce a Suspicious Activity Report, expanding Office of Foreign Assets Control reporting to include other data sources--including Internet banking bill pay vendors or the introduction of various tools such as an anti-money laundering application, compliance is a constant strain for CUs. IT service providers are always looking for strategies to supplement and assist their CU business partners in their compliance efforts.
According to the NCUA, most violations of the BSA fall under three categories: inadequate written policies, insufficient member ID program or deficient currency transaction reporting procedures. With the help of an IT service provider, CUs can take advantage of sample templates and personal assistance to help them develop accurate and effective policies and processes to avoid noncompliance. Through their partnerships with third-party service providers, CUs will be able to automate the member identification process, as well as the creation of currency transaction reports, streamlining their member ID and CTR procedures.
CUs also face the significant challenge of implementing the requirements laid out by the Gramm-Leach-Bliley Act compliance program. Initially, the privacy portion of the regulation appears easy to meet. However, with limited expertise on staff, in many cases it is up to the CU's IT service provider to offer the guidance and assistance necessary for implementing the extensive requirements including: a robust staff training program, vendor management program, corporate information security program and security standards policy, incident response program and risk mitigation controls, as well as a sound validation strategy. Further, the sharing of risk assessment tools and templates can assist CUs with completing the risk assessment exercises that are so critical for the safety and soundness of their organization.
In the area of information security, many CUs find it helpful to have an IT provider review their network architecture and implement security strategies--including user group policies through Active Directory, router configurations and tools such as ManageEngine Firewall Analyzer (which can be used as an IDS to monitor activity at the firewall). CUOL, for example, helped several CUs who used a third party to perform a network security assessment by reviewing the findings and helping formulate their management response, as well as a strategy to address some of the more complex issues.
A final area where CUs may require assistance is with business continuity and disaster recovery planning and testing. While IT providers are responsible for recovering the computer room and their support channels in the event of a disaster, CUs still need to implement and test sound business recovery strategies, which should always be customized to fit their specific needs.
There are a number of data processing providers that CUs can choose to help them meet various compliance challenges. Adding value to the overall relationship and providing a true partnership that's mutually beneficial are particularly critical as CUs face increasing compliance demands and new regulations that require ever advancing technology.
Barbra L. Lowman is chief operating officer and compliance officer for Credit Union On-Line. She can be reached at 800-884-2865 x552 or firstname.lastname@example.com


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Julie Harris
About the Author
Julie Harris's unforgettable perfomance in the lead role in The Member of the Wedding, both on Broadway and on film, first brought her fame. Her stage career has included highly acclaimed solo performances as Emily Dickinson in The Belle of Amherst and as Isak Dineson in Lucifer's Child. Her film credits include East of Eden, Requiem for a Heavyweight, and Gorillas in the Mist.


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Green Economy Coming Despite Downturn
"HSBC, the international banking group, forecasts that the market for wind energy will drop by 20 per cent in 2009, the first time in years that wind companies have seen anything but rapid growth.
Recycling has suffered a serious blow as the price of commodities has plunged...Environmental consultancies are also facing a tough year.
Yet, despite these portents of gloom, there are reasons to be cheerful for both businesses in the sector and companies looking to improve their environmental performance. One is that a large amount of money is about to enter the "green" economy, with the stimulus packages governments are concocting as a cure for the financial crisis. About $430bn of the planned $2,800bn of stimulus spending is likely to go on green measures, according to HSBC."
From A massive injection of clean energy cash:
"The economic stimulus, amounting to more than $2,800bn, is being compared with the "New Deal" programme of spending on national infrastructure initiated by Franklin D Roosevelt in the 1930s, in his attempt to pull the US out of Depression.
But this time, many of the governments involved are looking to focus large slices of their funds on projects that will help change the footing of the world economy, away from its high consumption of fossil fuels to a low-carbon basis.
The phrase "green new deal" means different things in different countries, but broadly it refers to the argument that if we direct the stimulus spending into building more of the same kind of infrastructure that we already have, such as coal-fired power plants and petrol-guzzling vehicles, it will result in ever-increasing greenhouse gas emissions, provoking a global warming crisis."


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Pressure grows on government to act on obesity as figures show effect on health and the NHSBMJ 2013; 346 doi: https://doi.org/10.1136/bmj.f1218 (Published 22 February 2013) Cite this as: BMJ 2013;346:f1218
- Matthew Limb
- 1London
The government is coming under increasing pressure to change its approach to tackling obesity, as figures show that hospital admissions for obesity are rising and that the general population is ignoring advice on healthy diet and exercise levels.
The number of inpatient admissions with a primary diagnosis of obesity reached 11 736 in 2011-12, according to a report from the Health and Social Care Information Centre (HSCIC), published on 20 February.1 This number is a 1% increase on admissions in the previous year (11 570 in 2010-11), triple the number five years ago (3860 in 2006-07), and 11 times the number 10 years ago (1019 in 2001-02). In 2011-12, female admissions for obesity were almost three times higher than male admissions (8740 v 2990).
The numbers of bariatric surgical procedures, including stomach stapling and gastric …


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Knee injuries are common among active kids, especially athletes, and a torn medial collateral ligament (MCL) — a ligament that helps give the knee its stability — is a common type of knee injury.
Kids who play contact sports, like football and soccer, are most likely to have a torn MCL. The injury happens when the outside of the knee is struck, causing it to unnaturally bend inward (toward the other knee). This creates tension on the MCL, a rope-like band, and it stretches or breaks in half.
Children with a partially or completely torn MCL might have swelling and pain within the first 24 hours of injury. Fortunately, this injury can heal on its own with anywhere from 1 to 6 weeks of resting the joint.
Most kids will still need to undergo rehabilitation ("rehab") therapy to help regain strength in the joint.
The MCL is one of the four main ligaments in the knee joint. It is located on the side of the knee that is closer to the other knee. One end of the ligament is attached to the femur, while the other end is attached to the tibia.
Together with the lateral collateral ligament (LCL), which is in the same location on the outside of the knee, the MCL helps prevent the overextension of the knee joint from side-to-side.
A child with a partially or completely torn MCL may or may not have symptoms, depending on the severity of the injury.
Pain and swelling can be very intense initially, and some kids (with more severe injuries) will have some instability when walking, feeling "wobbly" or unable to bear weight on the affected leg.
Many kids, especially those who are familiar with the injury or have torn a ligament before, report hearing a "pop"sound — the sound of the ligament tearing.
A child who has injured a knee — whether out on the field or at home — should stop all activity (to prevent further injury) and seek immediate medical care. In the meantime, keep the area iced — place the ice in a plastic bag, wrap the bag in a cloth, and hold it to the knee for up to 20 minutes at a time. Also, keep the knee elevated as much as possible to reduce swelling. Do not let your child bear weight on the knee.
At the doctor's office or emergency room, doctors will perform physical exams and imaging tests to determine if there is a knee injury and, if so, how severe it is.
To help diagnose an MCL injury, doctors do something called a Valgus test. The child lies down flat, and the affected leg is moved out to the side, and the knee is flexed at about 30 degrees. The doctor places one hand on the back of the knee joint and the other on the top side of the ankle. The doctor then rotates the shin bone and pushes the foot outward, to see how far the MCL will extend. Too much flexibility can signal an injury.
To properly diagnose MCL injuries, doctors usually perform these tests in combination or in addition to other physical exams.
While X-rays might be taken to determine the extent of the injury, they only image bone and, therefore, can only confirm the presence of bone fractures in the knee. An MRI, which images tissue (like ligaments and muscles), can confirm a partial or complete MCL tear so some doctors will order one to confirm a diagnosis.
Doctors categorize MCL injuries according to the following criteria:
Treatment of MCL injuries requires long-term rest of the joint. Depending on the severity of the injury, a child will need to walk with the assistance of crutches, limit physical activity, and wear a knee brace. Putting too much pressure on the knee can cause reinjury.
Rehabilitation therapy is needed to help heal the knee and to:
Most kids undergo rehab at a center three times a week, with daily exercises they practice at home. Accelerated rehab programs require more frequent therapy and can speed up recovery.
In the early stages of recovery, keep the knee iced and elevated to help to reduce pain and swelling. Over-the-counter or prescription painkillers and anti-inflammatory medicine can help kids deal with the pain and feel more comfortable.
While most sports are off limits — especially the activity that caused the injury in the first place — kids can do some low-impact activities that may be fun and even therapeutic, like swimming, bike riding, or protected running. Talk to your doctor about what activities might benefit your child.
Being told that you can't do the things you love — like running or playing football, field hockey, or softball — can be a devastating blow to any child. Kids recovering from an MCL injury, especially a severe one, may feel angry, frustrated, and even depressed, especially if they're no longer participating in team sports with their friends.
But in the meantime, there are ways to still feel like part of the team. Keeping score, being a coach's assistant, or bringing water to the games may help. If your son or daughter doesn't want to do these, suggest starting a hobby, like playing the guitar, painting, drawing, or another sedentary activity that won't put too much strain on the knee. Low-impact activities, like swimming, are another option.
In time, kids can again do the things they love. But if your child continues to feel angry or depressed during recovery, encourage him or her to talk to a school psychologist or counselor, who can help your child cope and look ahead to better days.
Reviewed by: Alfred Atanda Jr., MD
Date reviewed: October 2012
|American Physical Therapy Association This organization provides information on physical therapy, from therapists in each state to current research.
|American Osteopathic Association The American Osteopathic Association offers information about the osteopathic profession and its role in American health care. This site has a DO finder by state.
|American College of Sports Medicine This site has tips on staying safe while playing sports and exercising.
|Bursitis Bursitis, an irritation of the small fluid sacs that provide cushioning in some joints, is often caused by sports-related injuries or repeated use of a particular joint.
|Runner's Knee Runner's knee is the most common overuse injury among runners, but it can also happen to other athletes who do activities that require a lot of knee bending.
|Five Ways to Avoid Sports Injuries Sports injuries often can be prevented. Find out how in this article for kids.
|Strains and Sprains Are a Pain What's a sprain? What's a strain? Find out in this article for kids.
|Osgood-Schlatter Disease Osgood-Schlatter disease isn't serious, but it causes knee pain in athletes. Find out more in this article for kids.
|Osgood-Schlatter Disease Osgood-Schlatter disease (OSD) is an overuse injury that can cause knee pain in teens, especially during growth spurts. Learn more.
|Knee Injuries Healthy knees are needed for many activities and sports and getting hurt can mean some time sitting on the sidelines.
|Bones, Muscles, and Joints Without bones, muscles, and joints, we couldn't stand, walk, run, or even sit. The musculoskeletal system supports our bodies, protects our organs from injury, and enables movement.
|Sports Medicine Center Get tips on everything from finding the best sport for your kids to preventing and handling injuries.
|Anterior Cruciate Ligament (ACL) Injuries ACL injuries - which are common in active and athletic kids - happen when excessive pressure is put on the knee joint, resulting in a torn ligament.
|Safety Tips: Soccer Soccer is easy to learn at a young age, and it's great exercise. But it's also a contact sport, and injuries are bound to happen. To help prevent mishaps, follow these safety tips.
|Broken Bones, Sprains, and Strains Broken bones and torn muscles, ligaments, and tendons happen. Find out what to do if your child experiences any breaks, strains, or sprains.
|Physical Therapy Doctors often recommend physical therapy for kids who have been injured or have movement problems from an illness, disease, or disability. Learn more about PT.
|Sports and Exercise Safety Playing hard doesn't have to mean getting hurt. The best way to ensure a long and injury-free athletic career is to play it safe from the start. Find out how.
|Meniscus Tears The key to healing meniscus tears is not to get back into play too quickly. Find out what meniscus tears are and how to treat them.
|Preventing Children's Sports Injuries Participation in sports can teach kids sportsmanship and discipline. But sports also carry the potential for injury. Here's how to protect your kids.
|Osgood-Schlatter Disease Osgood-Schlatter disease (OSD) is one of the most common causes of knee pain in adolescents. It's really not a disease, but an overuse injury.
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text:
Legal Question in Business Law in India
how to determine the value of stamp paper to be used for various purposes.
Asked on 9/04/13, 4:47 am
2 Answers from Attorneys
Fca Prashant Chavan Expert Edge LLP
Dear Sir / Madam,
The value of stamping depends on the nature of the Agreement and varies. Stamping of property documents is based on the value of the property as specified in the ready reckoner.
Answered on 9/04/13, 5:04 am
KarVai Legal Solutions Rajiv Gupta 9811284735 Ch.No: 359, Western Wing, Tis Hazari, Delhi www.karvai.in
as per Indian Stamp Act.
Thanks and Regards
Adv. Rajiv
Answered on 9/04/13, 8:44 am
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text:
Hundreds of Susan Boyle red scarf wearing fanatical loonies have been hospitalized over the past week suffering from "voter's finger."
The problem began when the fanatics started voting in a meaningless online popularity poll. The poll sent the fanatics into a frenzy after a highly respected nun was seen to be placed higher than SuBo.
"We must make sure 'Lady' Susan is placed higher than this woman. Even though we claim to be highly religious, we absolutely cannot have some nun we've never heard of beating her," demanded a fanatic.
Chief fanatics sent out an urgent three-line whip to the fanatics.
"You must vote, vote, vote, and not stop until we tell you to. Anyone not voting at least 1000 times for Susan will be ignored then banned," said a chief fanatic.
"Operation 'Destroy the Nun' is now underway!" rambled another chief fanatic.
"I've not slept for 3 days now! I've voted 8000 times! I should be in for a chief fanatic job after this!" said a blurry-eyed fanatic.
"We should make a fortune out of these loonies! They've increased our site hits no end! Our advertisers are loving it! We don't even care who wins! Cha-ching!" cackled a spokesperson for the polling site.
The fanatics are still voting, despite the poll having already closed.
"We're praying that they allow all our votes to count! I'm sure that they'll accept our votes if we send them a nice red scarf!" said some deluded fanatic. "Either that or we'll get our wealthy husbands to sue them!" she continued.


text:
ST. PETERSBURG (CBSMiami.com) – Florida International University was looking to duplicate last year's thrilling comeback victory in the Little Caesar's Pizza Bowl.
But, unlike last year, FIU couldn't pull out a last second win in the swan song game for all-everything receiver T.Y. Hilton.
The Thundering Herd knocked off FIU 20-10 on a late touchdown pass with 30 seconds to go in the game.
Marshall was set up earlier in the fourth quarter after Marshall's Zach Dunston blocked an FIU punt in the fourth quarter.
T.Y. Hilton ran for 22 yards and a touchdown and caught eight passes for 84 yards, but an inefficient FIU offense couldn't get moving throughout the game.


text:
Legal Question in Criminal Law in India
if cr.pc 125 is done before and was dismissed by court can my wife do the case under section cr.pc125 again.
before she done 498(a)/323/504/506/316 this all criminal cases on my and my family. in this cases the Respectful High court and Supreme court gave the order in my favour due to my wife was not able to produce any evidence.
she done 125 ipc in the lower court. it was dismissed. can she again file the case in same court for the maintanance
Asked on 8/16/13, 9:37 pm
2 Answers from Attorneys
NO, but it depends upon earlier order also or change in circustances then yes.
But actual picture can be clear only after going through your first case of 125.
Answered on 8/17/13, 7:51 am
Sudershan Goel Sudershan Goel - Advocate, International Visiting Scholar, USA [2008-10]
She may be entitled to maintenance. you may better consider her providing her a reasonable maintenance / support.
Answered on 8/17/13, 8:09 am
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text:
- Format
- Häftad (Paperback)
- Språk
- Engelska
- Antal sidor
- 384
- Utgivningsdatum
- 2010-12-07
- Upplaga
- 3 ed
- Förlag
- Westview Press Inc
- Illustratör/Fotograf
- 10 diagrams
- Illustrationer
- 10 diagrams
- Dimensioner
- 241 x 158 x 19 mm
- Vikt
- Antal komponenter
- 1
- 9780813344584
- 453 g
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Philosophy of Mind, 3rd Edition
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"Kim's book is the best general survey of metaphysics of mind. It brims with arresting arguments and lucid points of exposition. Kim's own philosophical judgment is not suppressed, but he gives sympathetic accounts of opposing views. Perhaps no other text accessible to undergraduates is so often consulted by professional philosophers. Most chapters have been augmented in this third edition, but its most distinctive feature is its expanded discussion of consciousness." -Bernard W. Kobes, Arizona State University Praise for Previous Editions: "Like the highly acclaimed earlier edition, this book provides an extremely useful, state-of-the-art introduction to the philosophy of mind. Thanks to his incomparably lucid style, the author is able to discuss the issues at greater depth than is generally attempted in an introductory text, thus also providing a very accessible introduction to his own challenging and influential views on the mind-body problem. Really a wonderful book, useful to students and researchers alike." -Ausonio Marras, University of Western Ontario "An introductory survey to philosophy of mind, this work is impressive equally for its clarity and depth as an overview and its forcefulness as an original contribution to its subject." -Choice
Bloggat om Philosophy of Mind, 3rd Edition
Övrig information
Jaegwon Kim is William Perry Faunce Professor of Philosophy at Brown University. He is the author of Supervenience and Mind Mind in a Physical World Physicalism, or Something Near Enough Essays in the Metaphysics of Mind and many important papers on the philosophy of mind, metaphysics, epistemology, and the philosophy of science.
Preface 1. Introduction What Is Philosophy of Mind? Metaphysical Preliminaries Mind-Body Supervenience Materialism and Physicalism Varieties of Mental Phenomena Is There a "Mark of the Mental"? For Further Reading Notes 2. Mind as Immaterial Substance: Descartes's Dualism Descartes's Interactionist Substance Dualism Why Minds and Bodies Are Distinct: Some Arguments Princess Elisabeth Against Descartes The "Pairing Problem": Another Causal Argument Immaterial Minds in Space? Substance Dualism and Property Dualism For Further Reading Notes 3. Mind and Behavior: Behaviorism The Cartesian Theater and the "Beetle in the Box" What Is Behavior? Logical Behaviorism: A Positivist Argument A Behavioral Translation of "Paul Has a Toothache" Difficulties with Behavioral Definitions Do Pains Entail Pain Behavior? Ontological Behaviorism The Real Relationship Between Pain and Pain Behavior Behaviorism in Psychology Why Behavior Matters to Mind For Further Reading Notes 4. Mind as the Brain: The Psychoneural Identity Theory Mind-Brain Correlations Making Sense of Mind-Brain Correlations The Argument from Simplicity Explanatory Arguments for Psychoneural Identity An Argument from Mental Causation Against Psychoneural Identity Theory Reductive and Nonreductive Physicalism For Further Reading Notes 5. Mind as a Computing Machine: Machine Functionalism Multiple Realizability and the Functional Conception of Mind Functional Properties and Their Realizers: Definitions Functionalism and Behaviorism Turing Machines Physical Realizers of Turing Machines Machine Functionalism: Motivations and Claims Machine Functionalism: Further Issues Can Machines Think? The Turing Test Computationalism and the "Chinese Room" For Further Reading Notes 6. Mind as a Causal System: Causal-Theoretical Functionalism The Ramsey-Lewis Method Choosing an Underlying Psychology Functionalism as Physicalism: Psychological Reality Objections and Difficulties Roles Versus Realizers: The Status of Cognitive Science For Further Reading Notes 7. Mental Causation Agency and Mental Causation Mental Causation, Mental Realism, and Epiphenomenalism Psychophysical Laws and "Anomalous Monism" Is Anomalous Monism a Form of Epiphenomenalism? Counterfactuals to the Rescue? Physical Causal Closure and the "Exclusion Argument" The "Supervenience Argument" and Epiphenomenalism Further Issues: The Extrinsicness of Mental States For Further Reading Notes 8. Mental Content Interpretation Theory The Causal-Correlational Approach: Informational Semantics Misrepresentation and the Teleological Approach Narrow Content and Wide Content: Content Externalism The Metaphysics of Wide Content States Is Narrow Content Possible? Two Problems for Content Externalism For Further Reading Notes 9. What Is Consciousness? Some Views on Consciousness Nagel and His Inscrutable Bats Phenomenal Consciousness and Access Consciousness Consciousness and Subjectivity Does Consciousness Involve Higher-Order Perception or Thought? Transparency of Experience and Qualia Representationalism For Further Reading Notes 10. Consciousness and the Mind-Body Problem The "Explanatory Gap" and the "Hard Problem" Does Consciousness Supervene on Physical Properties? Closing the Explanatory Gap: Reduction and Reductive Explanation Functional Analysis and Reductive Explanation Consciousness and Brain Science What Mary, the Super Vision Scientist, Didn't Know The Limits of Physicalism For Further Reading Notes References Index


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Measuring Poverty and Inequality in a Computable General Equilibrium Model
This paper aims to evaluate the relevance of different types of macroeconomic general equilibrium modelling for measuring the impact of economic policy shocks on the incidence of poverty and on the distribution of income. In the literature three approaches are identified. The first is based on a traditional form of the CGEM which specifies a large number of households. In this case, we can only observe inter group income inequalities. The next uses survey data to estimate the distribution function and average variations by group, which allows one to estimate the evolution of poverty. The third approach, which we present in detail, includes individual data directly in the general equilibrium model according to the principles of micro simulations. This treatment provides a more reliable picture of income distribution but is also more complex. Given this, we develop, within a co-ordinated statistical framework representing an archetypal economy, the three types of model described above. More precisely, this exercise allows us to break down the contribution of average income variations, of the poverty line, and of income distribution in the evolution of the main poverty indicators. The results obtained show the importance of intra group information and therefore the relevance of micro simulation exercises.
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Phone: (418) 656-5122
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Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Fortin, Bernard & Marceau, Nicolas & Savard, Luc, 1997. "Taxation, wage controls and the informal sector," Journal of Public Economics, Elsevier, vol. 66(2), pages 293-312, November.
- Chia, Ngee-Choon & Wahba, Sadek & Whalley, John, 1994. "Poverty-Reducing Targeting Programmes: A General Equilibrium Approach," Journal of African Economies, Centre for the Study of African Economies (CSAE), vol. 3(2), pages 309-338, October.
- Shoven, John B. & Whalley, John, 1972.
"A general equilibrium calculation of the effects of differential taxation of income from capital in the U.S,"
Journal of Public Economics,
Elsevier, vol. 1(3-4), pages 281-321, November.
- John B. Shoven & John Whalley, 1972. "A General Equilibrium Calculation of the Effects of Differential Taxation of Income from Capital in the U.S," Cowles Foundation Discussion Papers 328, Cowles Foundation for Research in Economics, Yale University.
- Shoven, John B & Whalley, John, 1984. "Applied General-Equilibrium Models of Taxation and International Trade: An Introduction and Survey," Journal of Economic Literature, American Economic Association, vol. 22(3), pages 1007-1051, September.
- Decaluwe, B. & Patry, A. & Savard, L. & Thorbecke, E., 1999. "Poverty Analysis Within a General Equilibrium Framework," Cahiers de recherche 9909, Université Laval - Département d'économique.
- Decaluwe, B. & Patry, A. & Savard, L. & Thorbecke, E., 1999. "Poverty Analysis Within a General Equilibrium Framework," Papers 9909, Laval - Recherche en Politique Economique.
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