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Education Technology Magazine Article 1 Value-on-Investment; William V. West, Option Six, Inc. Value-on-Investment and the Future of E-Learning in the Training Market By William V. West "The challenge we face in our efforts to build e-learning into a first-class industry is to confront the traditional e-learning value proposition and replace it with a non-traditional proposition that speaks directly and practically to business interests. Modern business is all about creating value. If e-learning as an industry does not speak to this core mission, it may never rise above an episodic quick fix to reduce basic training costs." The current state of e -learning: In-line with expectations When I began my career 20 years ago, e-learning as we define it today did not exist. What we did have was called "computer-based training" (CBT), and it required significant infrastructure to implement, in the form of mainframe systems or a volume of diskettes or video disks. As my career progressed from IBM through Accenture, Ernst & Young, UNext.com, and my founding of Option Six, I've watched CBT evolve and spawn a new era of anticipation. I've also watched while the "new" e-learning industry gained momentum on the wave of dot-com ebullience, only to recede to the lesser role (in terms of early predictions) that it plays today. Some of the grand predictions may well come true, but they will be for far different reasons than was once thought. It will not be because millions enroll in online MBA programs or personal development training, and it will not be because of the typical return on investment calculation of cost saved from time and travel associated with classroom training. E-learning will reach its potential once its value proposition has established that it can produce substantially more bottom- line business returns—what I will refer to in this article as "Value-on-Investment" or VOI. To establish the framework for VOI, it might be helpful to revisit the origins of e- learning. CBT began to emerge as a viable alternative to classroom training in the business community sometime in the mid-1980s. At that time we were developing Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 2 Value-on-Investment; William V. West, Option Six, Inc. courses on networked mainframes or on portable platforms such as (the "new") microcomputers and video disks. (I distinctly remember copying a new CBT course onto twenty 512kb diskettes for distribution to each of Accenture's 50 offices.) The wide adoption of the Web in the '90s revolutionized the CBT concept and made it universally accessible with minimal investment. Today, very little is needed in order to disseminate online training to a mass audience. With the Web, all you need is a server or a web host and courses built with a language like HTML or using a PowerPoint converter. Instantly you have "content" online and accessible by a pervasive audience. But that's the "e"—as in the easy part—of e-learning. E-learning's economic impact The specific term "e-learning" has been around for less than a decade, derived from the terms e-commerce and e-business. Its "introduction" produced an immediate and tremendous burst of enthusiasm. It mirrored the dot-com surge with investment groups, industry leaders, and media giants predicting massive growth. John Chambers, CEO of Cisco Systems, stated, "E-learning will make e-mail look like a rounding error."1 Private companies and universities raised hundreds of millions of dollars convincing investors that professionals by the millions would sign up for online MBA and personal development programs. 2 A plethora of new technologies were developed, called "learning management systems," and the mass production of online courses were set into motion. In terms of the grandiose expectations, e-learning has clearly and publicly fallen short. By traditional investment measurement criteria, e-learning has failed to live up to its promise. The stocks of most of the e-learning companies are trading at less than $10 a share, with the leading firms losing millions every quarter—not impressive by most investors' standards.3 However, if we reassess e-learning as it relates to the adoption of similar new technologies—such as relational databases and client/server computing in the early 1990s—then e-learning may be exactly where it should be. The Tornado: Defining e-learning's current state The Chasm Group LLC and Chasm Institute LLC refer to the period of time when a new technology is in a competition-driven maelstrom, a dog-eat-dog battle for market share, Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 3 Value-on-Investment; William V. West, Option Six, Inc. as being in the "Tornado." Geoffrey Moore's book "Inside the Tornado: Marketing Strategies from Silicon Valley's Cutting Edge"4 classifies the Tornado as "a whirlwind of market drivers that eventually creates standardized whole products, requires high- volume, low-cost distribution, and compresses profit margins, all in order to gain or maintain a dominant market position." Some may conclude that there is a potential Tornado looming in e-learning because of the aggressive marketing and consolidations of content and LMS companies. An e-learning tornado should produce a widely adopted infrastructure of LMSs, product standards (e.g., SCORM and AICC), and prepare the industry to reach its next stage of evolution; where it can produce a real influence in the consumer market. Its ability to move beyond the Tornado into, what the Chasm Group call "Main Street" or general public acceptance and assimilation, requires that the industry produce real value to the end consumer, well beyond the "facilitation of learning." Chasm Institute Founder and Managing Director Mark Cavender challenged the e-learning hype early in the year 2000 stating, "Real business is not about 'learning'; it's about doing business." 5 E- learning's ability to leave the Tornado will be predicated first by its ability to produce a real value proposition that affects the bottom line, then seeing this value proposition become so strong that it's no longer a question of if we make the change, but just a matter of when and with what vendor. This is where ROI becomes less significant because it is now simply assumed due to the fact that "everyone is doing it." Then and only then will we see e-learning emerge as a Tornado category just as we saw it in ERP, CRM, networking, databases, and others in the past. This is where VOI enters the picture. Value-on-Investment: The value proposition of e -learning as demonstrated by recent business cases The outdated return-on-investment (ROI) for e-learning has been defined in terms of saved expenses—savings in terms of time expended, travel costs, facilities, instructors, time away from work, etc. This value proposition enables the vendor to claim with confidence, "Yes, put your classroom online, and you will achieve significant cost savings." Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 4 Value-on-Investment; William V. West, Option Six, Inc. The problem with this definition of ROI is that the value create d is assessed by eliminating the classroom, not by assessing an equivalent value in acquired knowledge nor a measurable impact to the business. That is, the traditional value proposition takes as its root an assumption that the online learning program is just as effective as what the classroom would have provided. Should the online training programs fall short of an equivalent classroom experience, then you fail to realize a justifiable ROI, not to mention falling short of a measurable value to the business. At worst, eliminating the classroom course may actually increase the overall cost to the company by not providing an effective training alternative. The challenge we face in our efforts to build e-learning into a first-class industry is to confront the traditional e-learning value proposition and replace it with a non-traditional proposition that speaks directly and practically to business interests. Modern business is all about creating value. If e-learning as an industry does not speak to this core mission, it may never rise above an episodic quick fix to reduce basic training costs. These non-traditional values and benefits are achieved when the framework of the business problem reaches beyond the common realm of teaching someone how to fill out an expense report, program a network router, or improve interpersonal skills. VOI will be characterized by courses that solve problems that affect the core of business, where the return on investment can be measured in any of the following terms: • Significant dollars saved by the organization • Significant increases in revenue earned • Substantial improvement in the company's market position Below are several examples of the application of e-learning to produce VOI. These are real projects developed using custom performance solutions and delivered using asynchronous e-learning technologies. Specific and proprietary references have been deleted for confidentiality, but the salient details are retained. Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 5 Value-on-Investment; William V. West, Option Six, Inc. Television commercial advertisement production In this instance, a Fortune 100 healthcare company with numerous autonomous operating divisions was confronted with a continuously difficult problem: staying within production budget allocated to develop a television ad. As one of the top TV advertisers in the world, the problem produced millions in cost overruns. Failure of the 3,000 or more marketing professionals to recognize the core cost drivers of commercial production resulted in substantial overspending and, worse yet, the failure to reserve budget for the actual "distribution" of the commercial. The goal of the [project] was to help marketers become smarter consumers of ad agencies, take an active role in the production process, and make an informed assessment of the costs when new creative ideas came into play. The e-learning solution consisted of an asynchronous learning experience that demonstrated a variety of production techniques and had them evaluate the appropriateness and cost effectiveness of each through interactive practice activities. The course incorporated video examples of a wide range of commercial formats associated with the true cost drivers and the key decision points that often result in overruns down the line. For example, one ad characterized the good effects of an analgesic medication for an elderly person. The primary scenario involved the family at home. Grandma is unable to play in the yard with her grandchild. She takes the medicine and subsequently is able to play happily with her grandchildren. Such an ad, utilizing a single production location, say grandma's front yard, could be effective and on budget. However, the creative idea of, say, showing the grandmother skipping happily with her children on a beach at sunset might easily double or triple the budget. A new location requires different setups, perhaps different film crews, special timing in order to catch the sunset at "magic hour," travel expenses, and related costs that dramatically increase the budget. Being able to recognize these incremental issues underlying a creative idea and relating them to the key value plan meant repetitive savings on budget overruns. The overall impact across a global company with multiple operating divisions is an opportunity to realize VOI—significant dollars saved by the organization. Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 6 Value-on-Investment; William V. West, Option Six, Inc. Product brand stewardship A Global 500 medical device manufacturing company had made a strategic decision to redirect its product strategy from focusing on features and functions to focusing on the actual brand. Over the years the company had achieved market dominance with a tremendous reputation among medical practitioners and patients. However, competition from other providers increased fiercely as each achieved parity with features and functions. The company's research revealed that differentiation on the level of features and functions would, over time , seriously erode the product's reputation, market position, and profitability. Strategically, the company examined the state of the market and determined that a proactive and fully realized focus on the product's brand would be the most successful strategy. The company, after all, had the most recognized brand in the market. The significant challenge was to change the entire organization's attitudes and tactical approaches to reflect this new strategic direction. How does a company get its people to change from the continuous battle of features and functions toward behaviors in which they "live" the brand? An e-learning solution helped the company to do that. The e-learning solution was delivered in a blended format: an online prerequisite and post-course support tool, with a classroom component in between. The role of the online course was to get the audience beyond a "branding schmanding" attitude toward a full appreciation of branding and understanding of the organization's strategy. A scenario- driven approach was used to immerse the employee into the branding process; helping them experience the decision making process that was followed by the marketing division leaders. Interactive exercises and a scenario challenge were used to verify the employee's ability to apply the knowledge they gained from the course. This produced a common framework of knowledge and ability. The role of the classroom course was to reinforce these concepts and drive learners deep into application of the principles into the ir daily processes. Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 7 Value-on-Investment; William V. West, Option Six, Inc. The course successfully delivered the message. Again, the true VOI had little to do with saving costs in the classroom; in fact the company continued to use a classroom session. The full value proposition was in refocusing the company toward its marketing strength and getting an organization to rapidly change its overall behavior—a substantial improvement in the company's market position. Managing during exponential and global expansion Another case involved the preservation of corporate identity and excellence in the face of rapid growth. The audience for the course was the managers and assistant managers of a large chain of restaurants. While the company had realized decades of modest growth, it recently ballooned to virtually doubling in size annually and was expanding into many other countries, a growth spawned by the uncommon popularity of its products. The fundamental performance requirement for each store and for each of the employees was operational and product consistency, maintaining growth, and most of all supporting the historical brand. The challenge was how to not only train all these new people to do their jobs effectively, but to train them in such a way that reflected the culture of the company—its most prized asset. The overarching goal for each store was for each customer experience to mirror the same customer experience in any other store. Development of a performance program had to support all these requirements to position the company to achieve its growth objectives. The e-learning solution included a series of asynchronous learning experiences, each using a performance-driven (problem-based) design. Significant effort was spent to define common problems and work with senior company leaders to define their best strategy for resolving the problems within their beliefs and attitudes towards the company's culture. The course challenged the managers with these common problems and provided learning resources crafted to provide the knowledge to solve the problems within the values of the corporate leaders. Given the audience was generally new users to online training, a series of interactive exercises, games, and other media were used to keep them engaged in the learning. Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 8 Value-on-Investment; William V. West, Option Six, Inc. The full implementation of the e-learning solution supported thousands of employees in several countries during exponential growth. In this environment, where classroom training is not a viable option and where employee performance directly equates to the performance of the overall company, the e-learning solution enabled the company to confidently continue its market development plans and realize VOI—significant dollars saved by the organization while it experienced a substantial improvement in the company's market position. Strategic pricing for technology products Can e-learning reshape the way a company prices its products and competes in a fierce marketplace? That was the question asked by a Fortune 100 company. All major technological companies face stiff competition. In this industry, competing directly on price is no longer possible. As with competing gas stations across the street, nimble competitors quickly match any pricing change. The company determined that its advantage would not be determined by a price position but rather by the value the customer placed in the quality of the company's product over the competitor's low-cost positioning. When customers perceive that its product has a higher value to them, and then they are willing to pay more. But how do you determine this value and set the price? What is the formal pricing strategy? How does that tie into profitability? These were important questions to answer. Simply pricing on a rough estimate of the customer's tolerance was not enough. Even small adjustments to the product pricing often resulted in exponential changes to the bottom line, both up and down. The company needed to implement a scientific process to determine price. This message, the processes that supported it, and the subsequent accountability, would be applied to everyone in the company with pricing responsibilities, from the CEO down to the senior manager level, across all product lines and throughout every geographic region. The e-learning solution was developed with senior pricing managers and two independent consultants acting as the subject matter experts to help define the pricing strategy. As is often the case with VOI solutions, the framework and content for the course did not exist. Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 9 Value-on-Investment; William V. West, Option Six, Inc. In other words, the company did not have a standard pricing strategy documented. The course was developed using a series of case studies to guide the audience through the price development process and help them understand how to segment their audience and differentiate their products. Given the audience included all senior managers, from the CEO down to marketing directors, the assessment strategy needed to be transparent yet still effective; so a series of applied activities were produced to reinforce the learning without the use of typical Q&A. To deploy e-learning to a topic this important and an audience this wide offered the company "one shot" to get it right. This program carries a tremendous impact to the overall profitabilit y of the company itself. The VOI of this e-learning program has nothing to do with traditional ROI of saving costs and getting people through training cheaply. It has everything to do with the bottom line of the company. The VOI would produce significant increases in revenue earned. The current state of e -learning: Poised to realize its potential E-learning is poised to enter the "Tornado." Standards are emerging, increasingly every major company possesses a learning management and delivery environment, and e- learning development tools are prevalent. What is required next to make e-learning a viable tool that produces VOI—real business impact? Once again we can reflect on the evolution of past technologies, such as client/server computing and relational databases. Was it the prevalence of hardware and software that [realized the value] of these developments? Was the plethora of applications built on these tools the catalyst to enterprise resource planning and customer relationship management systems? No, it was their availability to experienced, talented service providers who could take the tools and build solutions that targeted and solved real business problems. During this time, service practices within Andersen Consulting, Ernst & Young, IBM, other servic e firms, as well as multitudes of boutique firms grew exponentially , while enrollments at universities ballooned with new business analysts, programmers, and system architects. The fulfillment of a real business value proposition required the availability of new talent—network engineers, system architects, database analysts, and programmers who Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 10 Value-on-Investment; William V. West, Option Six, Inc. would not only master the development environments but also apply the analytical skills needed to define the problem and design a solution. However, skills alone didn't provide the full impact. It was the emergence of a holistic approach to defining the problem. Marketing, finance, operations, and other disciplines joined forces with technology professionals to identify areas of opportunity, analyze and design a comprehensive solution, and implement new ideas that enabled these new technologies to achieve success. This availability of talent and the recognition by business units that these technologies could provide a solution provided the framework to make ERP and CRM a reality. The new breed of talent and frameworks required to produce VOI Reflect then on the current state of e-learning. Its growth is (in part) dependant on the availability of highly skilled talent and recognition by business units that e-learning offers a solution to problems that produce significant VOI. Essentially, if an instructional solution is going to target a critical business problem, it better be a well designed one that actually works. So, professionals formally trained in processes that develop relationships with their clients through which they can uncover the organizational high-leverage points and then have the ability/talent/experience to address them in a competent manner will be able to make believers out of these companies that dollars spent on e-learning is money well spent. Continued success stories such as those previously cited will garner the confidence decision makers need to recommend an e-learning solution. Currently, the industry is ripe with anecdotes and statistics demonstrating failure of e-learning to produce these results or to be successful on any number of criteria. Successful examples will only emerge as the abilities of the e-learning implementers continue to improve, new techniques and proven frameworks are developed, and the availability of qualified talent is prevalent. The development of these frameworks and talent is challenged by the immaturity of the industry from an instructional design standpoint. Much like the development of client/server computing required a new genre of professionals with deep experience in relational databases and decentralized computing, the development of "successful" online performance programs requires a new genre of professionals formally trained in the adult Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 11 Value-on-Investment; William V. West, Option Six, Inc. learning techniques that have proven effective in an online environment. This is not trivial nor gained through a weekend conference. Much like the development of client/server systems requires a cross-functional team of programmers, architects, database specialists, and business analysts, the development of e-learning solutions that resolve real business problems requires a team of multiple disciplines. These include the instructional designer, writers trained in the unique requirements of online publications, visual designers and media developers who produce the online interaction and conceptual representations of the subject matter, web programmers who integrate the programs within the computing infrastructure, and business analysts and subject matter experts who can uncover the greatest value propositions where focused attention will deliver the greatest bang for their buck. E-learning's next economic opportunity At present, the number of suppliers providing e-learning technology and products continues to grow, merge, and evolve as the market defines its requirements. The number of companies adopting e-learning also continues to grow. However, the number of companies who have recognized e-learning as a solution to strategic business problems and realized VOI using e-learning is staggeringly small. Quite literally in the past three years of our business, nearly 90 percent of the projects for our clientele , which includes some of the largest of the world's companies, were the first utilization of e-learning toward a business problem. Typically their past experience included installing an LMS, purchasing a catalog, and loading a couple of slide shows online. They had yet to apply the technology to a business problem that produces a real value proposition. This demonstrates the presence of a huge economic opportunity. While the leaders in the current e-learning industry continue to post revenues in the tens of millions quarterly on the sale of e-learning "products", the amounts pale in comparison with the revenue potential of solutions development through the application of e-learning tools toward business problems. Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 12 Value-on-Investment; William V. West, Option Six, Inc. Conclusion: Experienced providers are required to produce real Value -On-Investment So e-learning is right where it should be, and the potential is immense. When all the companies who have bought into the e-learning tools have access to the solutions providers who can effectively apply the tools and business leaders are able to work with e-learning providers to identify and create solutions that produce significant business value, then meaningful Value-On-Investment will be realized and indeed the predictions of this market can be fully realized. About the author: William West, president and founder of Option Six, Inc., has 20 years experience in strategic planning, organization change management, information technology, and process reengineering. Professional experience includes management positions during the launch of change management and educational technology service lines at Andersen Consulting and Ernst & Young, providing services to more than 24 companies in 12 different industries. He served as CIO for five years at the nation's third- largest alumni foundation, and then was managing director of the online-education development center for UNext prior to founding Option Six. He directed, designed, and/or developed online courseware that won numerous international awards and whose work appeared on CBS 60 Minutes. He is on the Alumni Board of Directors of the College of Arts and Sciences and a member of the Dean's Advisory Committee on Continuous Education at Indiana University where he holds a bachelors degree in computer science. Option Six, Inc., is a full-service developer of custom online training. It delivers successful customer experiences by establishing trusted relationships, producing effective results, and receiving enthusiastic approvals from its customers. As a result, Option Six has been selected as the preferred provider to develop mission critical courses by a number of companies. Using performance-driven learning, the company produces effective and engaging courses for subject matter that is traditionally difficult to teach online. Clients include Hewlett-Packard, Eli Lilly & Company, Roche Diagnostics, 3M, Cisco, Abbott Labs, Krispy Kreme, the U.S. Navy, and others. For more information, visit www.optionsix.com or contact Option Six at (812) 337-9704 or firstname.lastname@example.com. Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only Education Technology Magazine Article 13 Value-on-Investment; William V. West, Option Six, Inc. Acknowledgements : I'd like to contributions by the following individuals: • Mark Cavender, MBA in marketing from the University of North Texas and Chasm Institute Founder and Managing Director • Brian Beatty, Ph.D. in Instructional Systems Technology and Education Psychology from Indiana University and Assistant Professor at San Francisco State University. • Melissa Carter, Ph.D (ABD) in Instructional Systems from Florida State and Vice President of Instructional Development at Option Six, Inc. • Matt Donovan, M.S. in Instructional Systems Technology from Indiana University and Vice President of Business Development at Option Six, Inc. • Brian Horvitz, Ph.D. (ABD) in Instructional Systems Technology from Indiana University and Instructional Designer at Option Six, Inc. 1 New York Times; "Foreign Affairs; Next, It's E-ducation," Thomas L. Friedman. November 17, 1999 2 Newsweek; "College Online", Daniel McGinn, April 24, 2000 3 Brandon Hall e-learning stock tracker (http://www.brandonhall.com/public/ticker/) updated June 16, 2004.; industry leading LMS SumTotal earnings http://www.sumtotalsystems.com/press/2004/04/28/1; largest service provider Digital Think earnings http://www.digitalthink.com/news/pressroom/releases2003/071603earnings.html; 4 Inside the Tornado Marketing Strategies from Silicon Valley's Cutting Edge by Geoffrey Moore, copyright August 1996; Harper Business 5 LiNE Zine; "ELearning SchmeeLearning" by Mark Cavender; Fall 2000; Copyright (c) 2000-2004 LiNE Zine (www.linezine.com) Published September-October 2004, Educational Technology, Volume 44, Number 5, pp. 41-45 Reproduction and distribution by permission only
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"Good, heavy quality cardstock. I chose the teal option and find it to be both professional and eye-catching - I wanted a card that would be easy to find if flipping through a rolodex, since I don't have a logo, and this is exactly what I was looking for."
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"This product was amazing when it arrived! Exceeded all expectations. My only complaint is that I wish I would have chosen GLOSS when I made the order! Aside from that, this was as expected! I purchased it so people could use it as a "picture" for their wallet with multiple images captured from my son's birthday party."

subset: commoncrawl


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556 posts tagged with privacy.
Displaying 301 through 350 of 556. Subscribe:
Google is forcing social down your throat
A few weeks ago, Google Reader's team decided to show your private data to all your GMail contacts. This is now the default, no need to opt-in. Some people think it's not a big deal. Other's see it as a gross violation of privacy, a warning sign of more violations to come, as evidenced by the recent code updates to Gmail and other Google applications.
The naked and the drunk
Local newsrag covers Tufts annual Naked Quad Run and posts video of event to YouTube. Outrage ensues. (privacy! ethics! wah!) See also: Local LJ community's take. (video embedded in body of article is NSFW) [more inside]
Securing Adolescents From Exploitation-Online Act
Yesterday, the US House passed the SAFE Act. No, not that one. Points of note:
- If signed into law, the SAFE Act will require people offering WiFi at their cafe, library, or even allowing their neighbours to use it, who notice that someone appears to have viewed certain dirty cartoons, or pictures of fully-clothed children looking sexy, to immediately make a comprehensive report to John Walsh's CyberTipLine, and retain the images, or face a fine of up to $150,000.
- ISPs or email services have the same obligations, and must store all data relating to the user's account, to be handed over to the authorities.
- The Democrats rushed the legislation through using a mechanism intended for non-controversial legislation. There was no hearing or committee vote. The legislation changed significantly before the vote and was not available for public review.
- The bill passed 409-2. Opposed were Paul Broun (R-Georgia) and Ron Paul (R-Texas). The Senate is next, so consider telling them what you think.
- If signed into law, the SAFE Act will require people offering WiFi at their cafe, library, or even allowing their neighbours to use it, who notice that someone appears to have viewed certain dirty cartoons, or pictures of fully-clothed children looking sexy, to immediately make a comprehensive report to John Walsh's CyberTipLine, and retain the images, or face a fine of up to $150,000.
- ISPs or email services have the same obligations, and must store all data relating to the user's account, to be handed over to the authorities.
- The Democrats rushed the legislation through using a mechanism intended for non-controversial legislation. There was no hearing or committee vote. The legislation changed significantly before the vote and was not available for public review.
- The bill passed 409-2. Opposed were Paul Broun (R-Georgia) and Ron Paul (R-Texas). The Senate is next, so consider telling them what you think.
Amazing discoveries in plain-text Tor exit traffic.
This is an ironic tale of the consequences of inept application of cryptographic tools. Or is it? Dan Egerstad, a Swedish hacker, gained access to hundreds of computer network accounts around the world, belonging to various embassies, corporations and other organizations. How did he do it? Very easily: by sniffing exit traffic on his Tor nodes. [more inside]
Your favorite book sucks, and is un-American
So, whatcha readin? The
John Ashcroft Alberto Gonzales Michael Mukasey Book Club wants to discuss your latest reads. Amazon thinks it's none of their business. So does your librarian. While it may seem that your reading list is safe, fact is you're actually just one National Security Letter or subpoena away from full disclosure. Want to change that? One step in the right direction would be to contact your Senator about getting S.2088 out of Committee and on to the floor. Oh, and tell them to vote for it. And then to override the veto.
Secret Warrants Granted Without Probable Cause
Moveon Facebook
Moveon.org has now joined the fight. Now you can join too. Previously.
The Courier's Tragedy
Worried about government eavesdropping on your e-mails? Hushmail allows you to communicate securely with other Hush users. Unless the government is involved. The guy who created PGP said the company only undoes encryption when given a court order and is not turning over customer records wholesale to government agencies. But who needs a court order?
You were poked by Big Brother.
Over the past couple of years, Facebook has become increasingly popular, until it seemed like everyone and their grandma was joining up. A new feature, called Facebook Beacon, lets corporations join the fray. Might this be cause for concern? [more inside]
falafelfilter: FBI data mining bad ideas
The idea was that a spike in, say, falafel sales, combined with other data, would lead to Iranian secret agents in the south San Francisco-San Jose area. I've read this article twice now because I was laughing too hard the first time. If I were more paranoid I might actually seriously ask what sort of data mining the FBI is doing, but... falafel sales! via. [more inside]
You and I were/weren't meant to fly....
The U.S. Department of Homeland Security is proposing new rules regarding passenger pre-screening both domestically and internationally. Interestingly, this includes flights that overfly the continental US without ever touching the ground. [more inside]
Who's Soft on Terrorism?
Who's soft on terrorism? Surely not the Democrats, who are about to enable the National Security Agency to extend its secret domestic wiretapping program after saying otherwise for months. Surely not the Republican White House, determined to rush out a new Osama bin Laden video even if it burns an intelligence connection spying on Al Qaeda that has been carefully cultivated for years.
The kids are allright
This is what happens when paranoia overwhelms common sense. A high school in NY state banned backpacks and bags from the student body. The whole situation reached a critical mass when a security guard pulled a young woman out of class because she had a small purse. He asked her if she was on her period. Way to humiliate teenagers. [more inside]
Neighbourhood Watch 2.0?
Frustrated with perceived inefficacy of local law enforcement and government, residents of Calle de la Montera have started posting video of criminal behaviour (mainly prostitution) on their street to YouTube. The Data Protection Agency (tasked with privacy enforcement) is not amused (in Spanish; machine translation), but the neighbourhood watch group maintains it is not breaking the law (m.t.).
Canadian border guards gone wild
Facebook and MySpace posts embarrass Canadian border guards. PDF. Another example of Jan Wong's advice in 15 minutes of shame, about a 2005 incident at a Toronto private school: Don't write anything you wouldn't want someone to forward to [the national newspaper].
The Automated Targeting System, the US government's record-keeping system on travelers
Today's Washington Post: "The U.S. government is collecting electronic records on the travel habits of millions of Americans who fly, drive or take cruises abroad, retaining data on the persons with whom they travel or plan to stay, the personal items they carry during their journeys, and even the books that travelers have carried, according to documents obtained by a group of civil liberties advocates and statements by government officials." [more inside]
The Age of Disaster Capitalism
Geek Squad Steals Porn?
Using a computer set to auto-screencast, The Consumerist catches a Geek Squad technician copying porn from a client's computer to a thumbdrive, and they've got video and logfiles (CSV) to prove it. Also, the Geek Squad CEO responds, and an anonymous Geek Squad tech confesses that this is not an uncommon practice: "stealing customers' nudie pics was an easter egg hunt." Consumerist users suggest that this practice might not be limited to Geek Squad. Via.
Big Brother is Watching You. On CCTV.
George Orwell, Big Brother is watching your house. With CCTV. Perhaps the Surveillance Camera Players could put on a performance there. It looks like Britain really is becoming a surveillance society. [Via Digg.]
Shooting Down the Privacy of VA Gun Owners
So Much for Privacy (Part II) In another Sunshine Week "exposé" columnist Christian Trebjal of the Roanoke (Va.) Times decided that everyone needed to know the full names and addresses of every Concealed Handgun Permit holder in Virginia. So he got a list from the VA state police and had the newspaper put it in a handy searchable database. In the ensuing blog post regarding the column and database comments quickly got heated and comments were closed for several hours for unknown and unstated reasons (though perhaps due to the publication of Trebjal's home address). Of course, Virginian CHP holders were completely and wholly unamused. Following the outcry, the newspaper has removed the database, with a self-serving statement about concern for public safety but there was no concern for public safety guiding their actions before the objections. Overall, a question is raised: if Sunshine Week is supposed to be about open government why are newspapers aggregating and publishing information about private citizens at all?
You had to live -- did live, from the habit that became instinct and the assumption that every sound you made was overheard.
For Your Eyes Only? Allegations that the government is reading your e-mails, with the help of AT&T. The latest episode of NOW did a good piece on the NSA's domestic surveillance program (previously discussed here.) It can be viewed on their website. Meanwhile, Canadian human rights attorney Maureen Webb has written a new book on the scope of government surveillance, and found that the use of sophisticated methods to search for terrorists is not identifying the right suspects.
Kids, the Internet, and the End of Privacy: The Greatest Generation Gap Since Rock and Roll
Kids today. They have no sense of shame. They have no sense of privacy. They are show-offs, fame whores, pornographic little loons who post their diaries, their phone numbers, their stupid poetry—for God's sake, their dirty photos!—online. They have virtual friends instead of real ones. They talk in illiterate instant messages. They are interested only in attention—and yet they have zero attention span, flitting like hummingbirds from one virtual stage to another.So goes the common wisdom but things in fact are more complex.
Say Everything
"Mere production of these videos or pictures may also result in psychological trauma to the teenagers involved."
Teens convicted of producing and possessing child pornography for taking pictures of themselves. [via]
Autoplaying an Encrypted Thumb drive
Autoplaying an Encrypted Thumb drive: Step by step instructions to get a thumb drive encrypted with TrueCrypt to automatically mount on Windows when inserted. Truecrypt requires Administrative Access.
Your world, delivered to the NSA
Privacy? Who cares?
Why don't Americans care about the loss of privacy? Give your SSN for a 50 cent coupon? Have your car tracked by EZ-Pass? Have a security camera on the corner? Who cares?
Connectedness, Betweenness, Closeness???
Big Brother 101 -- Could your social networks brand you an enemy of the state? (Popular Science Mag) And one staffer finds out it might--due to a connection to the Buffalo Six. Think 6 degrees of Kevin Bacon, but with tapping and surveillance and worse at the other end.
If you've done nothing wrong...we still want to know what you do.
Gonzales wants Internet records saved for two years. Because any of you could be child porn perverts. "Gonzales acknowledged the concerns of some company executives who say legislation might be overly intrusive and encroach on customers' privacy rights. But he said the growing threat of child pornography over the Internet was too great.
Harshin' My Mellow
Drugs at music festivals are nothing new. Sometimes this results in comically bad journalism and sometimes the results are not so funny. At the Wakarusa Music Festival this past year police used new, creepy tools pursue drug dealers on the Festival grounds in an attempt to seperate the drugs from the music.
View of Fawlty Towers not included
Attention lovers of privacy & salt air! This island, the house on top of it, and the bridge connecting it to the mainland are all on sale for a mere 750,000 pounds.
"We understand that your data is private and sensitive."
'Thanks to FlexiSpy, I finally figured out my wife was cheating on me with my brother,' he claims. 'My life is so much better.'
"You've got...WTF?"
AOL releases 3-months of queries from 500k users. AOL, either fairly or unfairly, is sometimes considered the internet with training wheels. So while parsing this data, keep that in mind. Some of these queries seem like spam email subjects, don't they? Don't forget, this is the same demographic that brought you the September that didn't end. AOL tried to retract the data, but it's of no use - it's out there, on the web.
The next big thing in stalking!
Self-examination from the Fourth Estate — "Yep, still there."
"And yet the people who invented this country saw an aggressive, independent press as a protective measure against the abuse of power in a democracy, and an essential ingredient for self-government." Bill Keller, executive editor of the New York Times, publicly responds to criticisms on the publication of information about clandestine surveillance of private bank records of Americans, offering a rare glimpse into the Fourth Estate's complicated negotiations with the government over issues of public interest.
The future, Conan?
Before I was even aware that such a plan existed, the FAA has put the brakes on a Los Angeles County Sheriff's Office plan to purchase a fleet of 20 camera-equipped unmanned spy drone planes (only $30,000 apiece) to fly over my city and monitor civilian behavior round the clock. Sadly, the plan is not permanently kiboshed, but merely on hold until authorization can be obtained.
All your data are belong to us.
Privacy Schmivacy On the eve of its hearing on charges that it assisted in the government's illegal spying on millions of Americans, AT&T, the largest phone company in the United States, has changed its privacy policy to clearly establish its ownership of its customers' personal account information. In its revised policy, AT&T makes it clear that "while your account information may be personal to you, these records constitute business records that are owned by AT&T. As such, AT&T may disclose such records to protect its legitimate business interests, safeguard others, or respond to legal process." Oh, really?
Representatives from AOL, Microsoft, Google, Verizon and Comcast talk to US government
Newsfilter. Surveillenve of everything you do online: "It was clear that they would go beyond kiddie porn and terrorism and use it for general law enforcement." Offline: "I'm John Doe, and if I had told you before today that the F.B.I. was requesting library records, I could have gone to jail." Previously, here. On your phone? We've already discussed that, too.
...but who watches the watchers
The Eternal Value of Privacy excellent article by Bruce Schneier.
When Firefox, privacy and relationships collide...
Firefox "causes" breakup... One man uses his fiance's computer to surf dating and swinger websites. He's careful to wipe his passwords etc. as he surfs - and then for good measure, de-installs Firefox.
The fiance then decides to install Firefox for the usual reasons, not knowing the above and happens to decides to edit the list of sites to never save passwords for. And comes across a list of said websites, and realises that he's still an active member of those websites.
Surely when you de-install a program, the uninstallation process should get rid of program-related data too, like in games? Although the geniuses at Firefox manifestly disagree with this. Other commenters also think the man was in the right.
The fiance then decides to install Firefox for the usual reasons, not knowing the above and happens to decides to edit the list of sites to never save passwords for. And comes across a list of said websites, and realises that he's still an active member of those websites.
Surely when you de-install a program, the uninstallation process should get rid of program-related data too, like in games? Although the geniuses at Firefox manifestly disagree with this. Other commenters also think the man was in the right.
Black-Bag Jobs
"Don't worry Mr. President, we have Kansas surrounded." Warrantless searches: they're not just for wiretaps anymore. U.S. News and World Report probes the Bush administration's covert drive to conduct physical searches of American homes without court approval.
But I was in a different country! That doesn't count right? RIGHT!?
Don't date him girl! Good news for the paranoid. Invasive site for documenting those unsavory men who have cheated on women. The rebuttal: warning: flash site with annoying birds. bugmenot
For anything but privacy, there's MasterCard
are they matched to the access code and do you keep a record of what code is mailed to what person?
So if you run the CD in your personal computer, by the end of it, the Minnesota GOP will not only know what you think on particular issues, but also who you are. --a cd being sent out to home by the Minnesota GOP is polling people who use the cd, sending their personal info, including name, address, and phone, among other info, back to party headquarters. No privacy policy or statement identifying what the cd does is visible anywhere: ...As far as I could tell, nothing tells you that the answers are about to be e-mailed or otherwise transmitted to the Minnesota GOP. So you finish, and then the phone rings. "Hello, Mr/Mrs. Voters, it's Joe and I notice you support gun control and the marriage amendment, would you like to donate some money to us?" That might startle the person who may have thought he/she was viewing the presentation in the privacy of the computer room. ...
Pirating Firefox?
You can't just give away free software! Or can you? Firefox's copyleft premise destroys U.K. anti-piracy laws. Gervase Markham takes on a U.K. official who wants to arrest pirates for distributing firefox.
Houston Loves You
NewsFilter: I know a lot of people are concerned about Big Brother, but my response to that is, if you are not doing anything wrong, why should you worry about it?
Loose lips sink ships. Yahoo helps China jail dissidents again.
WTF, Yahoo‽ How many Chinese are you going to help put into the hell of Chinese prison, Terry, Jerry, and David?
Information is not knowledge.
Privacy? No thanks.
Google Images Censored in China
Google Images Censored in China A picture says 1000 words, and Google.cn is censoring them all. Check out the side-by-side screens of a search for "tiananmen+square" in Google.com and Google.cn images. Looks like a nice place, with little historical significance. You can try the search yourself. The text on the bottom left is the censorship disclaimer. Very different than our results. A far cry from Google's claim that they do not censor results. Nice to know that they stand up to the government here but not abroad.
A good spoof of the whole thing.
A good spoof of the whole thing.
FTC imposes $10M fine against ChoicePoint for data breach
FTC imposes $10M fine against ChoicePoint for data breach The U.S. Federal Trade Commission has fined ChoicePoint $10 million for a data breach that allowed identity thieves posing as legitimate businesses to steal social security numbers, credit reports, and other data from nearly 140,000 people. This is the largest fine ever levied by the FTC. ChoicePoint also has to set up a 'trust fund' for people victimized by identity thieves. From the article: 'As part of its agreement with the FTC, ChoicePoint will also have to submit to comprehensive security audits every two years for the next 20 years.'" BusinessWeek has additional info. Perhaps there might be hope for individual privacy after all. Let's all keep our fingers crossed.
Privacy and the need or right to know
NSA,FISA, and Privacy It is of course the president who finally approves of actions that may or may not be deemed legal but before 9/11, this is what he had been advised to consider "The largest U.S. spy agency warned the incoming Bush administration in its "Transition 2001" report that the Information Age required rethinking the policies and authorities that kept the National Security Agency in compliance with the Constitution's 4th Amendment prohibition on "unreasonable searches and seizures" without warrant and "probable cause," according to an updated briefing book of declassified NSA documents posted today on the World Wide Web. If this is the sort of reading you enjoy, then by all means dig about here: But then Windows allowed NSA to have a sure access to your machine . And by now we all know that Google will fight the government on making its search data base available in order to protect your privacy.(Reality: to protect Google stuff). And if you worry about search engines tracking you and making data available, then here is a workaround


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The VIBE is a supervised teen center in Foster City where students in 6th-12th grade can hang out with their friends after school and on weekends. They are able to play pool, air hockey, ping pong, foosball, Nintendo Wii, XBOX 360 with Kinect, and watch movies and television programs on our big screen tvs. We also offer many special events such as dances and sports tournaments.
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©2015 City of Foster City
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This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
Recent Angel Fire reviews
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William A. Quigley, 85, resident of Plymouth, former business owner - 0 Comments
William A. Quigley of Plymouth, formerly of Milton, a business owner, died Sunday at the Inn at Silver Lake in Kingston. He was 85.
Mr. Quigley was born and raised in Northern Ireland and was a longtime resident of Milton before moving to Plymouth.
He served in the Army during the Korean War.
He was the owner of Quigley Painting in Milton for many years.
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Markets, Berlin
6 Reviews
6 Reviews
Please note: The market has moved to Kollwitzstraße, directly at Kollwitzplatz
Kollwitzplatz or Kollwitz Square is one of those places in Berlin, the RAF fortunately had forgotten to bomb. After the wall fell, houses were beautifully reconstructed - only those stupid graffiti can get on one's nerves.
Every Saturday morning, there's a small but eclectic farmer's market. When I lived in that area, I rarely missed a change to go there, and I always bought more than I needed, even if I was on a strict budget. There's this Tirolean deer sausage, home-made pasta, lots of organic food, wine, espresso, a fishmonger whose daughter apparently had fallen in love with me, some great bakers (especially the one opposite site of the fishmonger), fantastic French soap (what a scent!), flowers, cheese ... you name it. One vendor sells apple juice in 5 liter (1.3 gal) bags like hot cakes. And speaking of cakes ...
Again, it's a small but eclectic market.
More importantly, especially for tourists, everyone I dragged along, immediately fell in love with this beautiful and peaceful place.
After strolling around and having a Bratwurst or fresh oyster, you may want to try one of the numerous coffeehouses or have lunch at Guggelhof, a restaurant at the opposite site of the market were President Clinton, Madame Albright and their German counterparts once had dinner. Or check Kulturbrauerei for upcoming shows.
If you are familiar with German actors and politicians, you may spot one or another here. No one of the more ordinary mortals thinks of bothering them.
Market closes on 4 p.m. but you should come a lot earlier. At 2 p.m. or later the market looks very (for the lack of better words) worn. There are one or two playgrounds at Kollwitzplatz where you can leave your kids.
Getting there: Take the U2 and exit at Eberswalder Strasse. Go down Sredzkistrasse and turn right into Husemannstrasse.
The University has a market in front of the main building (across the street from the Burned Books Memorial) where teachers and staff sell books for really cheap prices, as a way of compensate for the burning of books in II World War. They are mostly in German, but there are some in English as well.
Definitely worth a look.
Do you know where is Istanbul? It is in Berlin! Visit the old SO 36 (Berlin Kreuzberg) and you feel you're in Istanbul.
Every Thuesday and Friday between 12 - 18.30 is the Turkish Market open.
Buy fresh vegetabeles, olives or take a turkish pizza for lunch . . .
Subway U Schoenleinstrasse Berlin-Kreuzberg
I was lucky to find some street markets in Berlin. It's really a good sight with people, sellers, bidders, things all kinds displayed on the stalls/platforms/tables infront for everybody to see. It would be along a stretch of a street.
Antiques, books, CDs, old records, shirts, clothes, books, kitchenwares etc etc, are all being sold or trade at street markets.
Look for these markets, buy something that you might not find back home. I bought a bootleg CD of Nina Simone, like all her hits were carmped into one CD & cost me 5 Euros only. I didn't even bargain c'os I was so happy.
The street market that I went to Trodelmarkt was only opned on Saturday & Sunday. I am not sure about this though. The location, now I couldn't remember. I remember I was on my way walking to see The Victory Column, so it should be somewhere in that area ?
There's even a mobile toilet nearby if while choosing something, you have to 'go'. I think it was free !
This Flöhmarkt (fleamarket) is held every Sunday through even the most horrible winter Sundays, and is one of the more offbeat and kitschy fleamarkets in Germany. Just take the S Bahn to Warschauer Bahnhof and head on over to Boxhagener Platz. On sale: vinyl techno records, kitschy fashion, paintnigs, genuine junk, and ubiquitous 1960s plastic east German furniture that you will find in most any shared flat in Berlin. It's as good for people watching as it is for shopping, and you will see lots of vampy and sexy Friedrichshain girls with dyed hair, punks from squats, and aging hippies.
On weekend mornings and early afternoons, visit one of Berlins flea markets (Trödelmärkte), which are great even if you're not looking for anything to buy.
some adresses:
Strasse des 17. Juni (S-Bahn to Tiergarten)
Arkonaplatz (U8 to Bernauer Strasse)
Treptower Hallentrödel (inside; U1 to Schlesisches Tor or S-Bahn to Treptower Park)
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Promoting & Protecting the Economic Well-Being & Quality of Life for All Retired School & Public Employees
CSPERA would like to congratulate the 2015 winners of the Bernadine Mack Foundation Scholarship. Each winner will receive a $1,000 scholarship.
Congratulations everyone!
Fifth Grade Grandparent Essay Contest
Congratulations to our winners and everyone who participated in the contest!
CSPERA Annual Meeting
SB 80 Expansion of Defined Contribution Plan Option, Sen. Owen Hill (R-Colorado Springs)
The PERA Board voted to oppose SB 80 due to its negative impact on PERAs funding status (the Fiscal Note estimates a $4.2 billion increase in PERAs Unfunded Actuarial Accrued Liability) and is detrimental to the sustainability plan currently in place. The bill passed both the Senate Finance committee on a 3-2 vote this week, and a voice vote on 2nd reading in the Senate today. Senators speaking in favor of SB 80 on the Senate floor included: Senators Owen, Lundberg, Holbert, Roberts, Lambert, and Crowder. Senators Johnston, Kerr, Carroll, and Merrifield spoke in opposition to the bill. It is expected to have a 3rd reading vote in the Senate next week. The bill still does not have a House sponsor and our Lobby Team anticipates its defeat in the House Finance committee.
SB 97 Eligibility of a Supplemental Needs Trust to Receive Certain PERA Benefits, Sen. Irene Aguilar (DDenver) and Rep. Lois Landgraf (RFountain)
The PERA Board voted to support SB 97 because it provides financial protection for certain disabled dependents of PERA members. It passed the Senate Finance and Appropriations committees this week, and is expected to be heard on the Senate floor next week.
SB 133 Compensation Report Prepared by the State Personnel Director, Sen. Kent Lambert (R-Colorado Springs) and Rep. Bob Rankin (R-Carbondale)
The PERA Board voted to oppose SB 133 because it is the PERA Boards duty to recommend retirement contribution rates, not the State Personnel Director (a politically appointed position and whose office does not have the expertise or knowledge to assess the appropriate rates on a biennial basis and only oversees approximately half of the State Divisions active membership). It is scheduled to be heard in the Senate Finance
Very Important News!
On Monday, October 20, the Colorado Supreme Court ruled in favor of Colorado PERA and the State of Colorado in the Justus v. State of Colorado and PERA case. The Court upheld the reduction of the annual increase or Cost of Living Adjustment (COLA) under Senate Bill 10-001. The Court stated, We hold that the PERA legislation providing for cost of living adjustments does not establish any contract between PERA and its members entitling them to perpetual receipt of the specific COLA formula in place on the date each became eligible for retirement or on the date each actually retires. Read the Supreme Courts ruling.
Senate Bill 1 was a difficult but necessary action taken to ensure the long-term sustainability and value of the retirement plan, which is one of Colorados best investments, for more than 500,000 of Colorados public employees working to build and serve our communities. Through the shared sacrifice approach recommended by the PERA Board, the Colorado General Assembly responded after the Great Recession, and the Colorado Supreme Court agreed with our collaborative approach, said Gregory W. Smith, Colorado PERA Executive Director. PERA is a vital and stable contributor to Colorados economy, distributing $3.8 billion in 2013 to retirees who live in Colorado which helps sustain nearly 26,000 jobs.
September 23, 2014
Colorado PERA and the City of Colorado Springs Announce Agreement on Memorial Health System Issue
DENVERToday, the Colorado PERA Board of Trustees announced an agreement with the City of Colorado Springs to resolve the lawsuit between the City and PERA over the amount due to PERA to ensure that Memorial Health Systems departure from PERA does not negatively impact the 146 employers and 11,954 members in PERAs Local Government Division Trust Fund. The agreement provides for the City of Colorado Springs to pay PERA $190 million for the liabilities associated with the retirement and health care benefits already earned by 7,380 Memorial employees for the work that they performed before Memorial ceased to be a PERA employer. The employees of Memorial were covered by PERA until Memorial was leased to the University of Colorado Hospital Authority on October 1, 2012.
"This agreement ensures that Memorials decision to exit PERA will not negatively impact the other employers and members of the Local Government Division," said Gregory W. Smith, PERAs Executive Director. "We are happy to reach closure on this issue and believe this is an appropriate result for PERA members, beneficiaries and employers," he concluded.
This agreement restores the funded status of the Local Government Division trust fund which will return the trust to fully funded status approximately eight years sooner than is currently estimated. This payment enhances the long term sustainability and retirement security for the 30,000 local government employees, retirees and their employers who participate in Colorado PERA.
Colorado PERAs General Counsel Adam L. Franklin added, "This agreement adheres to the law that no PERA employer can leave the financial obligations they owe to their employees and retirees for other PERA employers and members to cover. It helps maintain the integrity of one of Colorados best investments."
In 2012, the University of Colorado Hospital Authority assumed management of Memorial Health System which is owned by the City of Colorado Springs. At that time, Memorial Health System unilaterally terminated its affiliation with Colorado PERA to provide retirement benefits and services in lieu of Social Security to more than 7,380 Memorial Health Systems current, former, and retired employees.
In dispute was the employer portion of the contribution owed by Memorial Health System to PERA to cover the cost of providing retirement and health care to its former employees and retirees. In a February 2014 legal proceeding, a District Court judge ruled the City of Colorado Springs was liable under Colorado law to pay PERA for the employer portion of the contribution, and a trial regarding the amount owed was set for October 2014. Now that the parties have an
agreement on the amount the City of Colorado Springs owes, the October 2014 trial date will be vacated pending approval of the agreement by the Judge.
Colorado PERA provides retirement and other benefits to more than 500,000 current and former teachers, state troopers, snowplow drivers, corrections officers, and other public employees who provide valuable service to all of Colorado. PERA is a vital and stable contributor to Colorados economy, distributing $3.8 billion in 2013 to retirees who live in Colorado which helps sustain nearly 26,000 jobs. PERA manages $47 billion in defined benefit and defined contribution assets and has a 30-year, 9.5 percent annualized return, making it one of Colorados best investments.
About CSPERA
Our efforts in legislation, health issues, retirement seminars, membership workshops, leadership training, volunteerism and communications are geared toward maintaining a high standard of living for Colorado retirees.
The Colorado School and Public Employees Retirement Association was founded in 1950 as a means of addressing the concerns of all retired school employees in Colorado. With expanded membership, our current mission is to promote the personal, social, educational interests and economic security of retired PERA employees.
Newsletter Archive
CSPERA has added a NEW periodic bulletin, Breaking News! Due to postal cost and budget, most issues of Breaking News! will be sent just to those members for whom CSPERA has an email address, so be sure to make our office aware of your email contact so as to receive ALL of our communications (contact us via 1-800-748-2846, 303-326-1808 or firstname.lastname@example.com). The quarterly Newsletter will certainly still be sent to ALL members via email and hard copy postal mail to those members with no email address. Click below to read recent editions of Breaking News!
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CBNNews.com - BARCELONA, Spain - Overwhelming support for Palestinians by the Spanish public prompted the city government to cancel Holocaust Remembrance Day ceremonies, scheduled for January 27.
"Marking the Jewish Holocaust while a Palestinian Holocaust is taking place is not right," a city official said.
During Operation Cast Lead, 30,000 Spaniards rallied in support of Hamas, burning Israeli flags and distributing pamphlets threatening local pro-Israel journalists.
Israeli Ambassador Rafael Shutz sent a letter President Jose Montilla Aguilera, citing concern over the rise of anti-Semitic and anti-Israel activities in Madrid.
Similarly, a Norwegian diplomat stationed in Saudi Arabia issued a statement via e-mail that "the grandchildren of Holocaust survivors are doing the same thing to Palestinians as the Nazis did to the grandparents."
The diplomat issued the accusation from her official Norwegian Foreign Ministry address.
Similar comparisons are being made in Germany, where the Neo-Nazi National Democratic Party will hold a rally in Berlin on January 27 to "stop the Israeli Holocaust in the Gaza Strip."
"These comparisons are a manipulative distortion of history," responded Avner Shalev, head of Jerusalem's Yad VaShem Holocaust Memorial.
Source: YNet news
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Sink the FlotillaJack Engelhard
Why Did a Major US Jewish Leader Criticize Israel as He Left Office?Ronn Torossian
The Gaza War 2014Hirsh Goodman and Dore Gold
Islamic Hate for the Christian CrossRaymond Ibrahim


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Women's BCBGMAXAZRIA 'Adele' Print Wrap Dress
Details & Care
Soft, fluid jersey sweeps across the surplice neckline to a coordinating side tie before releasing the sarong-style skirt of this classically attractive dress. A muted border print nicely highlights the wrap-style construction. Color(s): dark ink combo. Brand: BCBG MAXAZRIA. Style Name: BCBGMAXAZRIA 'Adele' Print Wrap Dress. Style Number: 1063036.See More Details


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Just arrived, this is the very nice Bullet Bird has been in Florida for at least the last twenty years. A recent restoration was completed and... More
1965 FORD MUSTANG CONVERTIBLE BEAUTIFUL RESTORATION! GORGEOUS COLOR COMBINATION! FACTORY C-CODE 289 V8 ENGINE! OPTIONS INCLUDE: C-4 AUTOMATIC TRANSMISSION, POWER CONVERTIBLE TOP, STYLED STEEL WHEELS & MORE! TREMENDOUS INVESTMENT... More
1935 Ford Pickup If you are interested in this truck or have any questions, please call Dean at 208-989-8005 The truck drives great as it is or... More
Two tops, power steering, power brakes, power seat, power windows, A/C. Nice paint, interior and chrome. Frame-on restoration in early 2000s. This Thunderbird is not... More
For sale in our Chicago showroom is a 1970 Ford Mustang Convertible. The 1970 Ford Mustangs received a less aggressive style and went back... More
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This 1968 Ford Mustang GT S-Code has a 390 C.I. V8 w/ 4BBL Carburetor, C6 Automatic Transmission, Ford 9'' Rear w/ 3.25:1 Ratio, Original... More
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One of the world's best known ballets, Swan Lake, is set to be performed by the Louisville Ballet on Friday and Saturday.
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Wednesday, 14 Jul 2010 09:28 AM
A Pennsylvania state lawmaker is questioning the legality of work permits issued to Kate Gosselin's sextuplets for the reality show "Kate Plus 8."
Rep. Thomas Murt says state law allows children under 7 to work in movies, but not television. Gosselin's sextuplets are 6.
Murt asked for an explanation in letters sent Tuesday to the state attorney general and labor secretary.
State labor officials said previously that TV producers should have obtained child work permits for the TLC show's predecessor, "Jon & Kate Plus 8." But no penalties were imposed.
Spokesmen for the attorney general's office and labor secretary did not immediately respond to requests for comment.
© Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Monday, 11 May 2015 10:17 AM
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These are the most expensive cities in the Middle East
Can you guess who's number one?July 5, 2015 3:00
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Abu Dhabi's Dana Gas hits 9-wk high after wins Kurdistan case
Saudi Telecom Co to pay Q2 dividend of 1 riyals/share
UAE non-oil business growth slows to 22-month low in June
MIDEAST STOCKS-Gulf likely to be subdued by oil price drop, Greece
Abu Dhabi's TAQA drops 5.4 pct after saying no merger talks
Qatar's Doha Bank raises 2 bln riyal Tier 1 capital-boosting bond
Dubai's Drake & Scull increases GCC ownership limit to 100 pct
Abu Dhabi's TAQA says not holding merger talks
Gold languishes below $1,170 ahead of U.S. jobs data
Kuwait parliament approves budget with $27 billion deficit
Helicopters circle Manama, heavy security in villages.
February 14, 2011 11:55 by Reuters
Small-scale clashes erupted in two Bahraini villages as security forces tightened their grip on Shi'ite communities for Monday's "Day of Rage" protests inspired by upheaval in Egypt and Tunisia. Helicopters circled over the capital Manama, where protesters were expected to gather in the afternoon, and police cars stepped up their presence in Shi'ite villages, breaking up one protest with teargas and rubber bullets. At least 14 people were injured in clashes overnight and on Monday.
Bahrain, where a Sunni family rules over a Shi'ite majority, has offered cash payouts in the run-up to the protest to prevent Shi'ite discontent from bubbling over as popular revolts spread in the Arab world.
"We call on all Bahraini people — men, women, boys and girls — to share in our rallies in a peaceful and civilised way to guarantee a stable and promising future for ourselves and our children," Bahraini activists said in a statement issued on Twitter.
"We would like to stress that Feb. 14 is only the beginning. The road may be long and the rallies may continue for days and weeks, but if a people one day chooses life, then destiny will respond."
Diplomats say Bahrain's demonstrations, organised on the social media websites Facebook and Twitter, will be a gauge of whether a larger base of Shi'ites can be drawn on to the streets. The big test will be if demonstrations take hold in Manama, where demonstrations are rare.
Big protests in the Gulf Arab island state could embolden other marginalised Shi'ites in nearby Saudi Arabia, political analysts say.
There was no immediate comment from Bahraini authorities.
Police clashed late on Sunday with residents in Karzakan village, where security forces regularly skirmish with Shi'ite youths, and one protester was injured, witnesses said. Police said three officers were hurt.
In the village of Nuweidrat, police used teargas and rubber bullets on Monday to disperse a crowd demanding the release of Shi'ite detainees, witnesses said, adding that 10 people were slightly injured.
"There were 2,000 sitting in the street voicing their demands when police started firing," 24-year-old Kamel told Reuters, declining to give his full name. Nearby, streets were littered with teargas canisters and rubber bullets.
The scene was different in Manama, where government supporters honked car horns and waved Bahraini flags to celebrate the 10th anniversary of a national charter introduced after unrest in the 1990s. Many Shi'ites believe they still do not have enough say in the country's affairs.
Bahrain is a small oil-producing country whose Shi'ite population has long complained of discrimination by the ruling Sunni al-Khalifa family, well before popular uprisings in Tunisia and Egypt emboldened activists throughout the region.
King Hamad bin Isa al-Khalifa, trying to defuse the tension, said he would give 1,000 dinars ($2,650) to each local family, and the government has indicated that it may free minors arrested under a security crackdown last year.
Non-OPEC Bahrain, which unlike its Gulf Arab peers has little spare cash to use for social problems, said last week it would spend an extra $417 million on social items, including food subsidies, reversing its attempts to prepare the public for cuts in subsidies.
(Reporting by Frederik Richter; Writing by Cynthia Johnston; editing by Andrew Dobbie)


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Looking to meet fun, interesting and like minded women. I can go on and on about all the great qualities my mother swears I have, but I prefer to keep it short for now! If you need any references I'll be sure to pass them along All joking aside, I'm just a guy who's just looking to hopefully meet someone who can have an engaging conversation (surprisingly hard to find...) and knows what she wants out of life. Women who go clubbing on Mondays need not apply. Otherwise, feel free to message me if you're interested and hopefully we'll get the chance to get to know one another!
Coffee and conversation , Dining out , Fishing/Hunting , Movies/Videos , Music and concerts , Exploring new areas , Nightclubs/Dancing , Playing cards , Playing sports , Travel/Sightseeing , Watching sports , Wine tasting
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I exercise 3-4 times per week.
I like Birds, Cats, Dogs, Horses, Other
Wow, well I love travelling to europe... Spain to be more specific. I have a favorite Colombian restaurant and place I like going once in a while to play pool. You would have to get to know who I am to find out more about where I like going though!
Florida International University, Miami, FL
I'm somebody who enjoys any music pretty much. But my favorite genre for sure would have to be rock. I love a wide range of shows as well... like How I met you mother, supernatural and game of thrones.
I don't like limiting myself to one thing. It always depends what the mood strikes and who is joining me. Although I do love movies, going to or watching sports, going out dancing, etc... To share a few
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|5'6" (167cms)
|4'4" (132cms) to 5'7" (170cms)
|Body type:
|About average
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|Never Married
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|Bachelors degree
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