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~ Enterprise & Marketing Consultants ~
are a creative entrepreneurial and consulting business.
Business Planning Services
|We offer a
comprehensive Business Plan development service to take you from the point of
your perception of the Business Opportunity ...
to where you want to be!
|We develop plans based on our client's perception of the opportunity
and his / her aspirations, and on our own and supplied research. Our unique
marketing advantage in this - our competitive edge - is our superior ability
to generate a highly creative structure for the venture, along with appropriate
and equally creative strategies; aimed at optimising the mechanisms for
exploiting the opportunity as well as optimising the venture's attractiveness
to an investor.
For our client venture capital companies we also provide the reverse - production of insightful and incisive critical summaries and evaluations of business plans submitted to them.
We usually produce business plans in two parts -
| Your
Business Plan (including marketing plan) should be constructed in steps
as follows :
into the areas of
CREATIVE MARKET PENETRATION STRATEGY development - your sure-fire plan to get your foot in the door of that market..
TEAM LEADER SELECTION - generally accepted to be the most critical item in the business plan, as in the venture itself - 'better a good team with a so-so product that a so-so team with a great product'. In in-house new ventures, a veritable political and egotistical landmine.
PREPARATION OF DYNAMIC MODELS to forecast outcomes of interaction of current situation, foreseeable external developments and proposed initiatives on the operation of the venture, leading towards a commercially sustainable, `consolidated' business operation. At this stage risk evaluations are propounded for various options.
DRAFT PLAN PRESENTATION to the Board of Management. This involves presentation of a selected range of potential dynamic paths available, each being complex scenarios of resource allocation, time frames, market development and staffing.
(Never mind the buzz words in the last paragraph - what is presented is in quite simple `user-friendly' format, with their author present to answer any questions.) Management are then given time to consider, debate and decide on their chosen path, which they communicate to the Planner.
The FINAL PLAN is then written and in it are detailed the appropriate action plans, success/failure criteria and milestones.
|Although each business venture is unique,
each may be regarded as an operation just like any other.
|That is, it produces a product which it must sell, it has customers
who decide to buy the product or not, it has a management board which comprises
of individuals with various levels of management skills and various levels
of entrepreneurial spirit, it can raise capital against its capital assets
and against its development potential. Most of all, if it loses enough
money it's out of business.
So the Business Plan is made to establish and to keep the venture in business. On the way, it will pose certain questions which the venturers / management could consider - questions like -
|Business Planning is a specialized discipline
in which the need to project and sell the dream of the project must be
balanced against the need to present sound bases for any and all projections
|It takes a level head to avoid being carried away on the
client's rosy dreams of his/her project's future, which would result in
a plan realizable only in the client's own dreamworld.
It takes well developed skills in applied research into often previously unknown areas, and very well developed skills in analysis of the information revealed by the research into meaningful direction pointers for the project at hand.
It requires high level creativity, not only in answering questions raised in the process of planning a transformation of that which is into that which you wish it to be to attain your objective, but even more so in asking the right questions.
It requires skills in financial modelling involving unlimited parameters and limited knowledge, and the cold-bloodedness to triage options into what can be managed. It demands the highest levels of communication abilities in many forms, posing simple questions to yield fragments with which to construct a highly complex hypothetical model and then to explain in lay terms the key points of that model.
Since the Business Plan is always a selling document - it must win the support of all team members, as well as financiers - the Planner must be a salesperson of an extremely high order. The Plan must convince not only that it is workable, soundly based and addresses a clearly defined window of opportunity, but also that the proposed action plan is the best possible in terms of directness, cost-benefit, resource usage and risk management.
In all, the Business Planner must be quite something.
As a result of which, this service is not cheap to source. And not appropriate for small-scale thinking.
Commercial Business Planning commands fees of the order of US$150 - $250 per hour, which are justified on the grounds of the magnitude of the value of the projects - $40,000 for an effective plan which raises $4,000,000 is an excellent business proposition. Likewise, $35,000 for a plan which saves an existing business $35,000 per year is also an excellent business proposition. But what can be said to be a an excellent business proposition - ie, both affordable and good value - for your business? Think about it!
(The process of constructing the plan cannot vary significantly from that which is described above. Some parts can be undertaken by `unpaid' assistants (ie, funded other than from the Business Plan budget) such as the research, although in many cases the research assistants would possible take as long to train into their tasks as it would take the Planner to do the work himself.)
|Great question! I'm glad you asked ...
|The main benefit of having a Business Plan developed - and
adhering to it - is that it focuses the entire operation on its objectives,
it defines resource allocation and personnel roles, activities, authorities,
responsibilities, accountabilities and it establishes time-frames and milestones.
Most of all - business is about making a buck, and that is what your business
plan is all about.
It also generates a lot of information which can be used or ignored as the client's wit dictates.
Most business plans will offer a projection of enhanced earnings from improved operations or from operational economies, or whatever, based on insights gained during the study and made exploitable thanks to the expertise of the Planner. These savings or revenue increases are often enough to pay for the study.
For example, if the Business Plan enables an existing venture to improve its financial position by $10,000 per year for the five years of the plan, that is worth (in simple terms) $50,000 to the venture. This would mean that $25,000 spent on the plan would make very great commercial sense.
What To Do Next ..........
Email me if you seriously want to talk to The Best in business and communications!
The Best in the
ABN 64 405 807 493 © Hugh O'Connor, Australia, 2002


text:
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War Card 2 is a great turnbase card game. Use your unique powers and abilities to defeat the enemy in this awesome strategic game.
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subset: commoncrawl


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Albertslykke 10
5985 Søby Ærø
Phone:40 29 16 83
Do you like yarn? Lots of yarn? Then "Fies Strik" is the right place for you to visit. Situated in beautiful surroundings the shop is full of colours and quality yarns. We have yarns from various companies, but you can also find the small things that make it even funnier to knit. We are looking forward to be seeing you
Albertslykke 10
5985 Søby Ærø
Bike Friends


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Loughner to be Tested in Missouri
ST. LOUIS (CN) – An Arizona federal judge ordered Jared Lee Loughner to undergo psychological testing at a Missouri federal prison, and wants the results delivered to the court by May 11. Loughner is accused of killing six people and injuring 13, including Congresswoman Gabrielle Giffords, in a Jan. 8 shooting rampage.
U.S. District Judge Larry Alan Burns ordered Loughner's exam to be conducted at the Federal Bureau of Prisons in Springfield, Mo., no later than April 29.
Loughner's attorneys argued against moving him to Missouri, saying it could harm his mental state and his defense team's effort to build an attorney-client relationship, but Burns found that the Missouri facility was the best place for the exam.
"The question at issue is whether the defendant is presently suffering from a mental disease or defect rendering him mentally incompetent to the extent that he is unable to understand the nature and consequences of the proceedings against him, or to assist properly in his defense," Burns wrote.
Burns relied on a memo written by Dr. Donald Lewis as a basis for his decision. Lewis, chief of psychiatry for the U.S. Bureau of Prisons, wrote that the Missouri prison is the best alternative because it "has medical staff available for neurology and other organic testing, and has far more forensic staff and full-time psychiatrists available to provide round-the-clock assistance."
Loughner, 22, has pleaded not guilty to 49 federal charges. Congresswoman Giffords was shot in the head and is recovering from brain injuries at a Houston, rehabilitation center.
U.S. District Judge John Roll was killed.
The exam will focus only on whether Loughner is competent to stand trial.
It will not examine his sanity at the time of the shootings.
Springfield is 215 miles southwest of St. Louis.


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A few years ago I was visiting my brother and his wife in another part of the state. It was Mother's Day weekend, and we went to my sister-in-law's parents' house for lunch. Her brother, sister, and brother-in-law were there, as well as her sister's two children.
"Are you going to make good choices today?" her sister said to her kids as they ran off to play. Her tone was sunny, but there was a shadow of consequences lurking behind.Continue reading "Are You Making Good Choices?"


text:
solutions manual Interpreting and Analyzing Financial Statements Schoenebeck Holtzman 6th Edition
Delivery is INSTANT. You can download the files IMMEDIATELY once payment is done
If you have any questions, or would like a receive a sample chapter before your purchase, please contact us at email@example.com
Table of Contents
Chapter 1: Introduction
Chapter 2: Balance Sheet
Chapter 3: Income Statement
Chapter 4: Statement of Stockholders' Equity
Chapter 5: Statement of Cash Flows
Chapter 6: Specific Accounts
Chapter 7: The Accounting Cycle
Chapter 8: Comprehensive Review
Please note that the files are compressed using the program Winzip.
Files ending with the extension (.pdf) can be opened using Adobe Acrobat Reader.


text:
Discharges And Releases Into Watercourses From Timber Harvest Operations.
Attorney General No.
Secretary of State No.
DISCHARGES AND RELEASES INTO WATERCOURSES FROM TIMBER HARVEST OPERATIONS. INITIATIVE STATUTE. Restricts discharge or release of timber waste by industrial timber owners or operators unless no impairment of quality of waters is demonstrated. Adds new requirements to obtain permits before commencing operations; conduct inspections; monitor compliance; submit annual reports. Imposes permit fees sufficient to cover administrative and enforcement costs. Limits permits to five-year maximum. Provides judicial review of permits issued by regional boards. Allows administrative and civil enforcement actions by public officers or private persons, with burden on defendants to prove compliance. Authorizes injunctions, fines for violations. Summary of estimate by Legislative Analyst and Director of Finance of fiscal impact on state and local governments: Unknown reduction in state and local revenues, potentially a few million dollars annually, to extent timber harvesting is reduced. Unknown long term impact on state and local revenues due to changes in economic activities. State costs for permit process and other regulatory activities by state and regional water boards, potentially in millions to tens of millions of dollars annually, offset by fees. Unknown impact on costs to other state agencies to implement timber harvest regulations; any costs would be offset by fees. Annual savings of about $13 million to various state funds from filing fee revenues for timber harvest plans.
William Verick William F. Grader, Jr C/O Mr. James Wheaton Environmental Law Foundation, 1736 Franklin Street, 8Th Floor, Oakland, Ca. 94612 (510) 208-4555
Document Type
Failed to Qualify
Recommended Citation
Discharges And Releases Into Watercourses From Timber Harvest Operations. California Initiative 775 (1997).


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The mind is a powerful thing.
No matter how much I learn about mindset and practice the techniques, I'm constantly blown away by how much difference mindset shifts can make.
"Many times we can reassure ourselves by taking action and/or by talking to ourselves more positively. Our inner messages to ourselves play a big role in managing our fear – and our emotional lives in general. We need to become our own cheerleaders, supporting ourselves through difficult times as we would a friend who was afraid or taking on challenges." – Kate Levinson, PhD
Starting a business is no joke. My mind is all over the place. I noticed the week before last that I was walking around thinking "I just don't know what to do…" – I wasn't even trying to make a decision! My brain was just feeding me that if I were to need to make a decision right now, I wouldn't know what to do.
The other thing that I have caught myself doing is saying on repeat "There is never enough time. I never have enough time. I'm short on time. I'm behind and I can't keep up."
Again, not helpful.
That's not solving any solutions for me!
The good news is I am aware of it now and I can stop myself. I can replace with a kinder, more gentle story. Things like:
"I'll figure it out."
"I've been productive! I can't wait to see what I get done today."
It's so simple that as I write this, I wonder if it can truly be making any difference at all. But, then again, many of life's answers are pretty straightforward. The simple wisdom of phrases that have been heard so often that we don't even register them as advice.
"Treat others as you want to be treated."
"The early bird gets the worm."


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Tuesday May 13, 2014
From The Georgetowner
Mighty Night for Jazz With Blue Note at Kennedy Center
By Gary Tischler
They called it 'Blue Note at 75 '" The Concert.' In truth, it was exactly what record producer Don Was said it was: 'What you've got here with Blue Note is the history of jazz in America.'
The concert itself was made up of some historic figures from the Blue Note canon. The newer staples and mainstay star artists contained that history, too, as performers, including host Jason Moran, the Kennedy Center Artistic Advisor for Jazz, and a Blue Note Records artist himself.
In the process, they showed off the rich terrain of American jazz: its diverse personae and personalities and styles, its ageless qualities and that part of the music that continues to refresh itself in bubbling, sometimes on-fire like a musical baptismal font and stream of improvisation.
Jazz lovers, fans and friends, knowledgeable cool men and women bathed in the familiar sounds and music, were always jolted by something new. After all, you can't have jazz without something new. Moran, a standout and individualistic pianist, played in his tennis shoes.
To read the full article click here


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Senior Software Engineer
Unique opportunity to join a tech start-up team (with big backing in a well established client) in Manchester city centre that are creating cutting-edge products to bring the healthcare industry in to the digital era.
The team are backed by a multi-million pound business and are right at the start of their digital journey so are offering the opportunity to be part of the founding team and play an influential role in shaping their principles, priorities and technology approach.
They currently work as an integrated, multi-disciplinary agile team and value diversity and teamwork over individual heroics so you'd be working alongside product managers, user researchers and designers and would be expected to use modern engineering practices like TDD, pair programming and continuous integration/deployment.
Stuff you'd get to use:
. React, Redux, Node, ES6
. Go, Python, Ruby
. AWS, Docker, Kubernetes
The money is pretty good too - for the right candidate they're looking to offer a starting salary of up to ??60,000 plus company benefits including flexible working, up to 10% annual bonus, 8% pension, private medical insurance, 25 days annual leave and plenty more.
If you're interested in this opportunity and would like to know more please either contact me directly or apply through this advert and I will contact you ASAP.
Tech: React, Redux, Node, JavaScript ES6, Go, Python, Ruby, AWS, Docker, Kubernetes, DevOps
InterQuest Group is acting as an employment agency for this vacancy. InterQuest Group is an equal opportunities employer and we welcome applications from all suitably qualified persons regardless of age, disability, gender, religion/belief, race, marriage, civil partnership, pregnancy, maternity, sex or sexual orientation. Please make us aware if you require any reasonable adjustments throughout the recruitment process.
Similar jobs


text:
In 24 hours, On1 Photo 2017's Spring Saving Event will be ending!
Get On1 Photo RAW 2017, and get a huge collection of bonus presets and textures!
ON1 Photo 2017 is the best new all-in-one photo organizer, editor, raw processor, and effects app! It includes new versions of Effects, Resize, Browse, Develop, and Layers.
Use it as a standalone app or as a plug-in for Adobe® Photoshop® and Lightroom®.
PLUS – you'll get
- Photomorphis Colores Y Texturas On1 Presets
- On1 Guru Signature Preset Collection
- Matt Kloskowski Landscape Presets


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Shutterstock / M181
Hold onto your hats, because I'm about to drop some knowledge that might blow you away: Sweet potatoes and yams are not the same things. And most likely, you have never tasted a yam.
If you're as stunned by this news as I was, you'll want to know the truth. What have you been serving on your Thanksgiving dinner table? Did you think that sweet potato casserole was really filled with yams? Let's find out.
What's the Difference?
Sweet potatoes are the orange or copper-tan root vegetable you'd find at most grocery stores. They're a member of the morning glory botanical family. Yams, on the other hand, are related to lilies, palms and grasses. They grow primarily in the tropics and can usually be found only in ethnic grocery stores in the U.S. And neither one is really a potato.
Fun fact: These tubers aren't potatoes. The term "sweet potato" is a misnomer. Real potatoes like your trusty russet belong to the nightshade family.
Not sold yet? You can distinguish a yam from a sweet potato before you even bite in. Sweet potatoes have thin, smooth skin and orange or white flesh. Yams have rough, dark skin with an almost hairy texture, and the flesh inside is often white or purple. While you can find potato-sized varieties of both, yams are typically larger and can be up to five feet long!
And those reddish-brownish garnet yams? They're sweet potatoes with a false identity.
The taste is equally distinguishing. Sweet potatoes are flavorful and moist while yams are often starchy and dry. Looks like it's a good thing we don't use them for our sweet potato pie.
So Why Do Some People Refer to Sweet Potatoes as "Yams"?
Let's take a look at history, shall we? Back in pre-Civil War America, grocers typically only sold white-fleshed sweet potatoes. When the orange variety was introduced into the market, sellers wanted to distinguish the new species from the old. Instead of explaining how the two sweet potatoes were actually varieties of the same plant, producers and shippers began calling the orange ones "yams," after the African word nyami meaning "to eat."
Today, you might still find produce labeled as yams in a grocery store, but more likely than not, it's mislabeled.
Now that you know the difference, impress your family across the dinner table by explaining that you could never make your extra-crunchy sweet potato fries with yams!
Article by Emma Kumer from Taste of Home.


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Here is Daniel Mitchell writing at CNS News about what's really causing our fiscal problems:
Writing about federal spending last week, I shared five charts illustrating how the process works and what's causing America's fiscal problems.
Most important, I showed that the ever-increasing burden of federal spending is almost entirely the result of domestic spending increasing much faster than what would be needed to keep pace with inflation.
And when I further sliced and diced the numbers, I showed that outlays for entitlements (programs such as Social Security, Medicare, Medicaid, and Obamacare) were the real problem.
Let's elaborate.
John Cogan, writing for the Wall Street Journal, summarizes our current predicament.
Since the end of World War II, federal tax revenue has grown 15% faster than national income—while federal spending has grown 50% faster. … all—yes, all—of the increase in federal spending relative to GDP over the past seven decades is attributable to entitlement spending. Since the late 1940s, entitlement claims on the nation's output of goods and services have risen from less than 4% to 14%. … I
f you're seeking the reason for the federal government's chronic budget deficits and crushing national debt, look no further than entitlement programs. … entitlement spending accounts for nearly two-thirds of federal spending. … What about the future? Social Security and Medicare expenditures are accelerating now that baby boomers have begun to collect their government-financed retirement and health-care benefits. If left unchecked, these programs will push government spending to levels never seen during peacetime. Financing this spending will require either record levels of taxation or debt.
Here's a chart from his column. Only instead of looking at inflation-adjusted growth of past spending, he looks at what will happen to future entitlement spending, measured as a share of economic output.
And he concludes with a very dismal point.
… restraint is not possible without presidential leadership. Unfortunately, President Trump has failed to step up.
I largely agree. Trump has nominally endorsed some reforms, but the White House hasn't expended the slightest bit of effort to fix any of the entitlement programs.
Read more: CNSNews.com
Image credit: www.thefederalist.com.


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Sen. Charles Schumer, a possible and even likely leader of U.S. Senate Democrats in 2017, today called for lowering taxes on U.S. firms' income abroad to fund an infrastructure bank and for the sale of a portion of the nation's petroleum reserves.
Schumer, who is seeking his fourth term in an election where he faces Wendy Long, spoke at the Long Island Association's fall luncheon at Crest Hollow Country Club in Woodbury before Gen. Colin Powell and LIA CEO Kevin Law conversed.
Schumer at the event said he believed it was essential to find common ground with Republicans and signaled a desire for bi-partisan governance, saying he and Paul Ryan, speaker of the U.S. House of Representatives, already had agreed on the need for certain actions.
He said they had discussed and agreed on both reducing taxes to repatriate profits and selling off some of the petroleum reserve.
Schumer said for Washington in 2017 he sees these "two areas with broad bipartisan consensus" that he hoped could lead to action.
"My goal is to work in a bipartisan way, reach across the aisle and get things done, to make it easier to stay in the middle class or get into the middle class, if you're trying to get there," Schumer said.
Schumer could be named Senate majority leader if Hillary Clinton wins the White House and manages to swing Democratic control of the Senate. If Republicans maintain their majority, Schumer would be the likely Senate minority leader.
Long Island Association CEO Kevin Law said Schumer's ascension to minority leader could prove good news for Long Island. But Schumer spoke of actions that he believed would benefit the nation – and which he believes could be accomplished.
Paul Ryan and he both support those measures along with Hillary Clinton, he said. Schumer added that he wasn't sure what Donald Trump's position would be.
"We all know that many of our largest corporations have their money overseas and they keep it there," Schumer said of a 35 percent tax rate that firms avoid by not bringing money back home. "If we were to reduce that rate significantly, hundreds of billions of dollars would come back. We would put some of that money in an infrastructure bank."
Schumer said that an infrastructure bank could leverage capital at a ratio of 10-1, turning $100 billion, for instance, into a trillion dollars "without new taxes."
"The good news about the infrastructure bank is, because it's a bank, it makes loans at low interest," Schumer added.
He said that impractical projects wouldn't be financed by private funds in a public-private partnership – so boondoggles were less likely to come out of this bank.
Schumer also said he supports a proposal that Sen. Lamar Alexander (R-Tennessee) made to increase funds for the National Institutes of Health, Defense Advances Research Projects Agency or DARPA and other research.
"He pays for it not with new taxes," Schumer said. "We have an excess in the strategic petroleum reserve."
The nation, Schumer said, created the petroleum reserve to have a 20 years supply, which he said is "now less of a necessity" as the nation produces "more of our own oil and natural gas."
"Both of these have bipartisan support," Schumer said. "If we got them going in the first few months of congress, they could not only do great good for Long Island's economy, but send a signal to America that Congress is working again. "


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Nerium oleander
Genus: Nerium
Species: oleander
Type: Shrub
Family: APOCYNACEAE
Origins: Southwest Asia
Light: Full sun/Light shade
Wind: Wind/Salt tolerant
Growth: Fast
Frost: Tender
Evergreen: Yes
Native: No
Height: 5m
Width: 5m
Easy to find
Zone: 9
Zone: 10
Zone: 11
This information is provided as a free service to viewers. We do not sell these plants.
Nerium oleander is a bushy, evergreen shrub that grows thickly and quickly in almost any conditions - but is poisonous (if eaten in sufficient quantities).
It has long, slim leaves and bright, star-shaped, open,creamy/white flowers.
Its dense bushy fast-growing nature lends itself well to hedging - but ensure you plant rows of the same variety as they have different foliar characteristics.
Other varieties include:
"Algiers" - has bright red flowers.
"Monsieur Belaguier" - has pink flowers.
"Splendens Variegata" - bears double pink flowers and the leaves have a gold variegation. This cultivar tends not to flowers too profusely, but the attractive, year-round foliage makes up for this.
Soil: Will put up with just about any soil conditions providing it's in full sun.
Maintenance: Will take strong pruning if you want to keep it shaped and at its fullest flowering. Otherwise a light pruning after flowering will keep it tidy.
Every few years it's worth cutting some stems back to 10 cms from ground level.
Apart from this they require little maintenance and will put up with drought, pollution and general neglect.
Diseases: None of note
Other Species: 2 species in the Nerium genus.
Comments: Take cuttings and place in a jar of water to see new roots grow before potting.
It is poisonous nature, containing glycocytes, which means that animals won't touch it - but it takes large quantities to poison humans - and it tastes so awful you'd have to be determined or raving mad!
There are no recorded cases of serious poisoning for humans.
Author: Bob Saunders.
Here we list businesses who usually sell this plant.
Nerium oleander
Nerium Oleander Dwarf variety
Nerium oleander Dwarf, as used in streetscape in Spain.
© 2010-2020 GardensOnline Shopping Pty. Ltd.
The following error found:


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No matter your starting location, Adelaide is very easy to get to, and once you are here there is a multitude of great places you can stay.
Of course, this isn't an exhaustive list, but it will help get you on your way. And if you need further help feel free to contact us.
Getting to the Adelaide Convention Centre is relatively easy.
For more information, including car parking options, visit https://www.adelaidecc.com.au/visiting/the-centre/
For more information, visit https://www.adelaidecc.com.au/visiting/travelling-to-adelaide/.
Soon we will have a list of local hotels that have provided discounted pricing especially available for the Convention weekend.


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As the Ceann Comhairle knows, this matter was deferred to today. In a parliamentary question to the Minister in March, I asked about the archaeological significance and importance of the find at the excavation of lands at Scholarstown. They are known as the lands where the late former Taoiseach, Liam Cosgrave, lived. I obtained a brief response to that question and an even briefer response to a subsequent parliamentary question that I submitted in recent weeks. Essentially, it stated, "The Department's National Monuments Service will receive a full report of the excavation findings in due course."
I am raising this matter, which is of some significance, because the only available material that public representatives and the public have is the archaeological report compiled by the archaeology firm employed by the site's developer. A planning application has been submitted for the demolition of the house on that land and for enabling works. The closing date for that application is approaching quickly. All of the archaeological details have been compiled and submitted to South Dublin County Council, yet it was the Department that granted the excavation licence to, and worked with, the company carrying out the archaeological dig. Despite parliamentary questions submitted by me on the relative significance or otherwise of any archaeological find on the site, no details have been provided. To the best of my knowledge, the Department as a third party has not made a submission on the planning application either.
We know that, between 5 and 13 August last year, geographical test trenching confirmed that there was a ring fort on the site. On 7 August, human remains were exhumed. The initial findings showed 37 grave cuts, with 25 containing skeletal remains. Substantially more skeletal remains were found subsequently. The remains are dated to between 617 AD and 688 AD. The site is believed to have been an enclosed settlement and cemetery. On 26 September, a discussion on the impact of construction on the site and human remains took place with the Department. I understand that excavations were to be finished by 5 April. Three quarters of the enclosure and 71 burials had been excavated by that stage, leaving just a couple of burials to be excavated.
My understanding of the situation is based on the developer's archaeologist's submission. While ring forts are the most common archaeological finds, this site has been listed as being of medium to high significance due to the number of burials found. We know that the greatest threat to archaeological sites is during a construction phase. There is a plan for the demolition of the existing house, foul drainage works within the site boundary, etc. According to the archaeological report, power lines and other connections will cut through the ring fort and cemetery and there will be movement of machines and storage of materials in sensitive areas. The insertion of service lines would require creating a trench 4 m wide and an adjacent works corridor. Also according to the report, the National Monuments Service discussed mitigation measures with the developer.
Will the Department make some comment on the significance or otherwise of the finds on this site? Will the Department make a submission at some stage, be it as a third party or directly, to South Dublin County Council in the context of the planning application?


text:
This cheerful conversation is the most fun I ever had in Techspot comment section.Fine and dandy. I have no idea what I could have possibly said that would give you any reason to suspect that they are otherwise. Misanthropy, pessimism, and a very dim view of the human species social structure, are oddly the things which bring me the most reassurance and comfort. Trust me, it's really hard for another to disappoint me. I expect the worse, and more often than not, I'm blessed in full measure with the predictability
In fact, by my standards, I thought my post was rather upbeat and cheerful.
Myself, my cats, and the crack dealers on my street, also wish you , "happy holidays".
A better name would be EyeSight."Windows" 10 version 2020 will be called "Doors"?
FIXED..!"Windows" 10 version 2020 will be called "All glass Doors"?
and pervert edition 'Looking in Windows 2020'FIXED..!
With a children's edition called, "Peek-A-Boo, I See You".
The boxed edition will feature a four panel window frame, with a naked Steve Ballmer in the shower behind it.and pervert edition 'Looking in Windows 2020'
Well it sure isn't the alpha version.The boxed edition will feature a four panel window frame, with a naked Steve Ballmer in the shower behind it.
Here's the beta version: View attachment 85923


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Tim Elkins of PrimeLending Wins HousingWire Vanguard Award
DALLAS–(BUSINESS WIRE)–National residential mortgage lender PrimeLending, a PlainsCapital Company, is pleased to announce that Tim Elkins, Chief Production Officer of PrimeLending, is a recipient of the 2019 HousingWire Vanguard Award.
This recognition is given to executives in the housing and mortgage industry whose leadership has made a significant impact. Winners are chosen by HousingWire's editorial board based on their accomplishments in the last 12 months in both their company's and the industry sector they represent.
"As our Chief Production Officer, Tim is the driving force behind modernizing our retail mortgage experience and strengthening our leadership position as the premier home for modern originators," said Steve Thompson, President. "With an impressive track record as a results-oriented leader, a visionary catalyst for innovation, and an inspiring champion for our culture and convictions, Tim epitomizes the high standards of the of the Vanguard Award."
Under the direction of Elkins, PrimeLending has moved to the forefront of the industry in terms of delivering a premier digital mortgage experience, receiving the MortgageSAT Best-in-Class Lender Award for Application Process earlier this year. Most recently, he has led the enterprise-wide implementation of a state-of-the-art loan origination system, Blue Sage, a platform designed to revolutionize the mortgage process for consumers.
"It's an honor to be recognized for this prestigious award," said Elkins. "At PrimeLending, I've found a place where I can dream bigger and achieve more as part of a team that works together as one. We're doing exciting things to propel our company and our industry forward."
With more than 25 years of mortgage industry experience, prior to joining PrimeLending Elkins served as Chief Information Officer at AmericaHomeKey and BSM Financial. In 2019, he was recognized on Constellation's Business Transformation 150, an elite global list of the top executives leading business transformation efforts at their organizations. Elkins holds a BA in Finance from Texas Tech University.
About PrimeLending
PrimeLending, a PlainsCapital Company, is a national home lender combining personal guidance and local expertise with fast service, more choices and the flexibility to meet homeowners' unique needs. We're relentlessly focused on empowering our customers to boldly pursue their homeownership goals, whether they're looking to buy, refinance or renovate a home. The PrimeLending team works alongside our customers in all 50 states, helping them make smart home financing decisions and have a rewarding experience along the way. Delivering on this promise for more than 30 years, we're proud to consistently earn a 96% customer satisfaction rating1. PrimeLending is a wholly owned subsidiary of PlainsCapital Bank, which in turn is a wholly owned subsidiary of Hilltop Holdings Inc. (NYSE: HTH). More information at PrimeLending.com. Equal Housing Lender.
1 Survey administered and managed by an independent third party following loan closing. 96% satisfaction rating refers to the rating our customers give our loan officers. Our loan officers have received a 96% Customer Satisfaction Rating.
All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, a PlainsCapital Company. Equal Housing Lender.
© 2019 PrimeLending, a PlainsCapital Company. (NMLS: 13649).
Mandy Jordan
972-852-8235 | email@example.com


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We are getting ready for our Holiday Stocking Program! There are many ways you can help. We will need donations of items to fill the stockings, see the list below. For questions please call us at 630-971-1150 or email email@example.com.
We also need volunteers to sew stockings, as we send out over 6,000 stockings during the holiday season. In order for troops to get everything in time we need all items by October 31, 2020. If you would like to sew scarves, please CLICK HERE for more details.
Individuals: If you would like to sign up to sort and pack stockings at our Santa's Workshop, please CLICK HERE to sign up.
Groups: Please email us at firstname.lastname@example.com.
CLICK HERE to print the flyer.
"To Operation Support Our Troops!
You guys are the STAR and I admire each and every one of you! Thank you for taking your time and resources to send us all these gifts (candies/cookies/products) We appreciate them very much. Thank you for helping us in your prayers. May God bless you and the organization with all the things you do. Thank you for spreading the joys and happiness around the world!


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Adding A Used Hemotology Analyzer To Your Lab
Adding a hematology analyzer to a lab or replacing an existing machine with one that offers more testing options can greatly expand the services of a lab. For some labs, the upgrade to a refurbished or like-new used hematology analyzer can dramatically increase the number of samples processed per day, which increases lab efficiency and allows for greater capacity.
Most of the newer models of hematology analyzers can complete all types of blood tests required for analysis and diagnostic requirements. This includes coagulation testing, complete and full blood counts, white blood cell counts and reticulocyte analysis.
Automated Advantages
One of the common reasons to upgrade to a newer model of used hematology analyzer is to increase automation in a laboratory. These automated systems process sample more rapidly than human operators, plus they are more accurate with full compliance with all testing requirements.
Additionally, all data is transferred automatically to patient records and databases. There is no risk of human error with sample identification, reporting or errors in data recording and entry.
Size Considerations
As technology evolves, the size of the newer models of used hematology analyzer has decreased. Today, the systems are incredibly compact and have a very small footprint in a lab, ideal even for smaller spaces.
Coupling this with the ability to complete hundreds of test an hour, some devices completing multiple tests at the same time, provides much more efficiency without taking up additional space.
Often replacing old, bulky equipment with the streamlined new models provides additional much-needed space in a lab or even in a clinical setting to accommodate other equipment and devices.
As with any used medical equipment, always check the warranty, buy from an established company with a top reputation and compare prices for the best deals. Remember, used equipment dealers can even arrange to purchase your existing equipment, helping to offset the cost of the already low used equipment price.


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If you've been following along with #Painthammer2019 on Social Media, there's a good chance you've come across the works of Scykhe. His mechanicus army is full of unique flourishes and you can really see every model gets a personal touch. With quite a lot under his belt thus far for Continue Reading
Community Showcase
#Painthammer2019 Artist Spotlight: Xavier St-Amand
Something I've wanted to do for Painthammer for a while is feature some of the community members and go into a little more detail about them and their hobby progress. With #Painthammer2019 now in full swing, it seemed appropriate to start now. So, I am proud to present our first Continue Reading
#Painthammer2019 Community Showcase #6 – Back From Holiday Edition!
So let me start by apologising for the lack of community showcase posts for the last few weeks, I've been away/procrastinating a lot! So, let's jump in and see what you wonderful, lovely, gorgeous folks have been working on recently!
#Painthammer2019 Community Showcase #5!!
Another week, another veritable smorgasbord of hobby from you wonderful people! Click within and let's catch up with some of the activity!
#Painthammer2019 Community Showcase #4!
You've been busy as heck again this week. Let's check out some of your work!!
#Painthammer2019: Community Showcase #3!
Another week of hobby brings another wealth of awesome painted and WIP miniatures from the #Painthammer2019 community! Read on to see a few highlights!


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Navajo Man from Churchrock Sentenced to Prison for Federal Voluntary Manslaughter Conviction
ALBUQUERQUE – Randy Payton, 35, an enrolled member of the Navajo Nation who resides in Churchrock, N.M., was sentenced today in federal court in Albuquerque, N.M., to 137 months in prison for his voluntary manslaughter conviction. Payton will be on supervised release for three years after completing his prison sentence.
Payton was arrested on Oct. 19, 2016, on a criminal complaint charging him with killing a Navajo man on the Navajo Indian Reservation in McKinley County, N.M., on Oct. 14, 2016. According to the criminal complaint, Payton killed the victim by hitting and kicking him repeatedly during a fight. Payton subsequently was indicted on the same charge on Nov. 15, 2016.
On July 18, 2017, Payton pled guilty to the indictment and admitted killing the victim during a fight on Oct. 14, 2016.
This case was investigated by the Gallup office of the FBI and the Navajo Nation Department of Public Safety and was prosecuted by Assistant U.S. Attorney Novaline Wilson.


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Kickoff Coverage Category
Quality Control Your Kickoff Coverage
Posted on December 20th, 2018
We look at the Kickoff Coverage unit and how you can measurw if you are giving yourself a chance to be successful with this import...View More
Keep Your Kickoff Coverage Simple
Posted on July 19th, 2018
The good news about your Kickoff coverage is you that you don't need to have a lot of them. Generally if you have your base covera...View More
Do You Ever Kick It Down The Middle?
Posted on February 10th, 2018
How many of you kick it down the middle and why? How many of you would never (at least try to) kick it down the middle of the fiel...View More
Have A Changeup For Your Kickoff Unit Too
Posted on January 21st, 2018
A special teams play or miscue will be what punches the fortunate teams' tick to the Super Bowl. So this morning before all of t...View More
Create Numbers On Your Kickoff Coverage
Posted on October 27th, 2017
You do the math and know that a blocker eliminated is one more of your buddies who will be free to the ball. ...View More
Use Every Second With Your Special Teams
Posted on April 5th, 2017
Today our free Coaches Community video talks about how you can work on Special Teams fundamentals and even a little scheme in your...View More
Keep Your Kickoff Simple & Precise
Posted on May 17th, 2016
Kickoff coverage should be coached up just like any other defensive fit. Everyone should have assignments and adjustments off of t...View More
6 Seconds That Turned Into 49
Posted on November 1st, 2015
The Miami vs Duke game yesterday was one of the wildest finishes in college football history. Once again, a major college f...View More
Kickoff Cover Get Off Zone
Posted on August 9th, 2015
We talked about Kickoff coverage yesterday and broke it down into five separate areas to cover as you coach this Special Teams pha...View More
Coaching Kickoff Coverage
Posted on August 8th, 2015
Coaching the Kickoff team can be one of the hardest jobs a Special Teams coach can tackle particularly if your team lacks speed an...View More
Can You Coach Your Kickoff Coverage?
Posted on May 7th, 2015
If we got you up on the board and asked you to coach us up on your Kickoff coverage could you? None of the inside and in front jar...View More
No Return Policy
Posted on March 1st, 2015
By Gino Arcaro M.Ed., B.Sc. Head coach – Niagara X-Men Owner – X Fitness Inc. I learned the Power of Stretch Goals out of frus...View More


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KaydenAngell video.Free chat with KaydenAngell
I am a super hot, sexy and sweet young lady. I love to see guys on cam and to hear your voice. I can crush you beneath my feet as you submit to me and worship me as a Goddess. I can be anything you can imagine so come private with me and let's imagine together.


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Civic In The Sun release 'I Wouldn't Know'.
Civic In The Sun's Rock & Roll gem ' I Wouldn't Know' is out now. This song is injecting the music scene with some super strong vocals and delightful drums and guitar. The music scene needs some youthful classic rock and Civic in the Sun has delivered!
Band Members:
· Aaron Perilo – lead vocals
· Ethan Almeida – rhythm guitar, vocals
· Xander Gregory – lead guitar, backing vocals
· Nik Legg – drums
· Alex Wolfe – bass, backing vocals


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As part of its popular Summertime Saturday Puppet Show Series of new works by UConn Puppet Arts students and alumni for family audiences, the Ballard Institute and Museum of Puppetry at the University of Connecticut will present "Sheldon Explains It All" by Puppet Arts MFA student Zach Broome on Saturday, August 5 at 11 a.m. and 2 p.m. at the Ballard Institute Theater located at 1 Royce Circle, Storrs Center.
Sheldon is a turtle, and he is scared of everything: absolutely everything. What scare him the most are the things he doesn't know yet. Join Sheldon as he learns about everything under the sun and shares all of his new knowledge with you. Recommended for ages 5+.
Zach Broome, originally from Macon, Georgia, is currently pursuing a Master of Fine Arts degree in Puppet Arts at UConn. Zach's puppet creations recently appeared in the Connecticut Repertory Theatre's production of Shrek: The Musical. His puppet work will also appear next spring in the CRT production of She Kills Monsters by Qui Nguyen.
Admission is $6 for children (12 years and under), $8 for adults.
Tickets can be purchased in advance at the Ballard Institute and Museum of Puppetry, by calling 860.486.8580, or online at http://bimp.ticketleap.com/. A surcharge will be added to any purchases made online. Tickets may also be purchased at the Ballard Institute on the day of performance starting at 10 a.m. There will be open seating, and no reservations. Visitors can park in the Storrs Center Garage located at 33 Royce Circle. Parking in the Storrs Center Garage is free for the first two hours and $1 per hour thereafter, with a daily maximum charge of $8. For more information about these performances, visit bimp.uconn.edu or call 860.486.8580.
This item was posted by a community contributor. To read more about community contributors, click here.


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Can I come in and look at an item before I purchase?
Yes! You can come visit our showroom any time during our business hours.
How do I collect my purchased items?
When you complete a purchase via our online store you can select the date and time to pick up the item from our showroom at 160 Sylvester Rd, South San Francisco, CA.
We also offer delivery in the Bay Area for a flat fee.
We can also ship purchases nationally through parcel (small items) or freight. We are integrated with many freight companies and you will be able to view the different freight option costs during the checkout.
What is your return policy?
All items purchased via The Local Flea have a 7-day return policy.
What if my item does not work or has some undisclosed damage?
We sell all items as-is. When an item is received we do a thorough inspection and disclose anything we find in the product page. However, sometimes there may be some damage that was not discovered during the inspection, in particular for items like large appliances like dishwashers, laundry machines, and refrigerators that we are unable to "hook up" during the inspection. This is way we offer 7-day return policy on all the items.
I am looking for a specific item, can you notify me if and when you get it in?
Absolutely! We receive new items daily. If you are looking for something specific and we do not have it, please use the Contact Form and describe what you are looking for. We will notify you if we receive something you are interested in! You should also sign up for our Newsletter to get special deals and get notified of new arrivals.


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Good Samaritan
Sponsored By
Photo Of Good Samaritan Shading Woman With Umbrella Goes ViralA simple act of kindness has turned a good Samaritan in Houston into a local celebrity thanks to one photo.
Havertown Man Searches For Good Samaritan: 'You Saved My Life'Bud says while bad news grabs the headlines, there are a lot of good people out there. And one of them is named Rick.
Good Samaritan Helps Save Woman After Car Crashes Into AC BayAuthorities say a woman was saved from a car that had crashed into the Atlantic City bay Sunday with help from a Good Samaritan.
Caught On Tape: Good Samaritan Jumps Onto SEPTA Tracks To Rescue Passenger After FallOfficials says it happened at about 6:40 p.m. Wednesday at the 15th Street Station of the Market-Frankford Line.
Tire Slashing In Frankford Leads To Amazing Act Of KindnessIt is often said that the best of people comes out during the most difficult times, and that is the case after a heartless act of vandalism in Northeast Philadelphia Wednesday morning.
EXCLUSIVE: Rower, Good Samaritan Speak Out After Schuylkill River RescueThe dramatic scene played out Thursday morning near Kelly Drive and West Hunting Park Avenue.
Boater Rescued From Schuylkill River By Good SamaritanA boater who fell into the Schuylkill River on Monday morning was rescued, thanks to a Good Samaritan.
VIDEO: Good Samaritan, 2 Police Officers Save Man From Burning Home in CamdenCaptured on surveillance video: two Camden County police officers and a Good Samaritan carry a man from a burning home.
Woman Fakes Heart Attack, Then Takes $60 From Good Samaritan A Good Samaritan might think twice about helping someone on the side of the road, after what happened to him in Mount Laurel.
Good Samaritan Fatally Struck By Car In PennsylvaniaA coroner says a good Samaritan who had stopped to help another motorist change a tire died of trauma injuries caused when he was hit by another vehicle along a Pennsylvania highway.
Coast Guard And Good Samaritan Rescue 2 Brothers Off Barnegat LightThe Coast Guard and a good Samaritan rescued two brothers on Monday after their 31-foot boat capsized about eight miles east of Barnegat Light.
Medical Emergencies In FlightA new report indicates there is a medical emergency on about one out of every 600 flights.
Good Samaritan Rescues Stranger From SEPTA Tracks In North Philadelphia
EXCLUSIVE: Humble Good Samaritan Speaks About Rescue Attempt In Schuylkill RiverA car plunges into the Schuylkill River, and police say two Good Samaritans risked their own lives to help.
Police: Good Samaritan Catches Purse Snatcher In Cherry HillPolice say a Good Samaritan stopped a suspect after he snatched a woman's purse.


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An independent organization must be established to settle the issue of banks' toxic assets, said Abbas Akhundi minister of roads and urban development.
The banking sector's toxic assets are a problem born out of a "non-transparent market" tempting some institutions and organizations to fish in troubled waters, he said, without naming names.
Akhundi suggested establishing a state-owned 'settlement bank' or some financial institution or legal entity to settle the issue of toxic assets. He maintained however, that the body must be an independent entity that "buys the toxic assets and helps clean banks' assets". It should also take action against those who have defaulted on their debts.
On the mountings problem of credit crunch and stagflation plaguing the economy, he said "this is partly inherited from the previous administration."
The minster made the critical analyses in an exclusive interview with Financial Tribune's sister publication, Donya-e-Eqtesad on Tuesday.
Emphasizing the importance of finding the roots of economic ills, he saw the "structural problems of financial markets" as one of the root causes. "The structural failures are in turn rooted in the toxic assets, deficits in banks' capital adequacy and problems related to the demand side."
President Hassan Rouhani's close confidante warned that letting the situation linger would only exacerbate the "problem of toxic assets and credit crunch and contribute to more non-transparency.
Government Debts
Akhundi believes that another major part of the problem is the government's mountain of debt to the private sector estimated at 3 quadrillion rials ($100 billion) for which he blamed "the underdeveloped bond market."
"The absence of a debt market in Iran has led to many problems. One is that the debts have tarnished the government's reputation and another is that the businesses have been hit severely as they cannot repay their debts."
Akhundi exhorted the government to use $100 billion of its oil revenues over a 10-15 year period to issue bonds in foreign currencies with an interest rate of 3-4%. He believes this can help serve as a guarantee that the government will be able to clear its debts as well as reduce interest rates. He dismissed issuing bonds in the local currency as "ineffectual due the unpredictability of the inflation rate" in the future.
The senior cabinet member said the next steps should include increasing the capital of banks and resolving the issue of banks' reserve requirement. Issuing a total of 10 billion rials ($333 million) of Islamic treasury bills, a version of short-term sovereign debt, would simply "not be enough to help ease the government debts."
The government started issuing $330 million-worth of treasury bills -- a Sharia law-compliant mechanism to raise money -- in late September at a steep discount with the declared aim of reducing its debts.


text: I just bought a couple of the Fenix LD-20 lights. These are great but the problem is they have a .85" barrel. Most mounts come in either a .75" or 1" barrel mount. I have only found one option available from Surefire for $50. Anyone have an idea on an available mount? Quick release would be nice, or at least a large thumb screw.


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Textural and Tactile Crochet Knit Baby Blanket Beautiful baby shower gift - knitted in Natural Cotton for bassinet, pram or cot95 x 120cmPure combed melange cottonEasyCare – gentle...View full product details
Reversible knit baby blanket in ZOO design Beautiful illustration by Jane Reiseger - nursery bedding. pram, bassinet, sleep or swaddle85 x 100 cmPure combed melange cottonEasyCare – gentle machine wash...View full product details
Classic Tree Bassinet Baby Blanket. Simple and stylish knitted tree nursery blanket. Easy Care - gentle machine wash & tumble dry100% Pure Combed Cotton MelangéSize: 75 x 100cm Australian...View full product details


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Indiana Has Among the Lowest Costs of Living in the Country, A New Study Finds
WITZ Radio News is an affiliate of Network Indiana
STATEWIDE--A new study says Indiana has one of the lowest costs of living in the country.
The study was done by the Missouri Economic Research and Information Center. It says Indiana had the third lowest cost of living in the Midwest and the ninth lowest nationally in the third quarter.
On a scale of 56.4 to 186.3, Indiana's cost living index was a 90 trailing only Missouri and Kansas in the Midwest.
That comes with a downside, however. The study also discovered that on average, people in Indiana who work full-time earn $2,100 less a year than other Midwesterners and make about $0.67 less an hour today than they did in 2004.
The state with the cheapest cost of living was Mississippi. The most expensive cost of living belongs to Hawaii.


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Coprocess Adds Reconciliation to Netting
Coprocess has launched version 3 of its netting system. The new version adds a reconciliation module on to the existing netting platform to allow corporates to use the system both for intercompany netting and for month end reconciliation.
The previous version allowed for the upload of both accounts payable (A/P) and accounts receivable (A/R) items, in addition to the matching, discussion and dispute of these items. As well as reconciliation, version 3 also allows the linking of the invoice to a scanned image of the invoice.
"Frequently an intercompany invoice is not paid because it is not booked on the A/P side," explained Andrew Goldie, managing director of Coprocess. "If you can link the invoice in the netting to a scanned image of this invoice then this reason loses veracity. The company's analysis shows that on average 80% of mismatches at month end are either from non-booked A/P items or non-approved A/P items.
"In either case the ability to link to an image, to match and discuss the invoice online can greatly reduce the number of mismatches at month end," said Goldie. "Because our netting system already allowed for the upload of intercompany A/P and A/R items directly from the ERP [enterprise resource planning] and the automatic matching, it was a relatively simple and logical step to make this work for all open intercompany items on the sub ledgers not just those that were going to be settled in the netting."


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Windstar Adds New Itineraries for 2018 Sailings
Windstar Cruises continues to make big changes to its deployment, announcing eight new itineraries in Northern Europe and 12 new Mediterranean itineraries, bringing Windstar's total itineraries in Europe for 2018 to 40. The itineraries beget 26 new European ports, increasing the company's global number of maiden ports to 93 for 2018.
The sailings, running April through October, offer small ship experiences like cruising the narrow Trollfjord in the Lofoten Islands; docking in downtown London near the Tower of London, or tucking into exclusive San Remo on the Riviera of Flowers, known as Italy's own Monte Carlo.
"These 20 new itineraries are just the latest development in response to our growing customer demand, we're keenly focused on offering more and varied sailings that effectively leverage our fleet of six small ships," said Windstar President John Delaney. "Our team constantly seeks out new experiences, lesser known ports and harbors everywhere we sail — hidden treasures that only true small ships can access. Unveiling these new itineraries further demonstrates our commitment to destination authenticity – delivering incredible experiences in a highly customized way."
Windstar's three all-suite power yachts have opened up new places for the company to explore, including more ports in Northern Europe and smaller ports in the Mediterranean. The yachts are perfectly suited to sailing into smaller harbors and fjords, scenic coastal cruising, and traversing larger distances at higher speeds.
Windstar's destination expansion brings a ship to Asia later this year on a host of new itineraries, also on tap for 2018 are recently announced new voyages in Alaska, Canada and New England.
Europe 2018 cruises will have something for everyone, from shorter week-long sailings to epic multi-week voyages. Here are a few highlights in Northern Europe and the Mediterranean for 2018 (see below for a full list of the new Europe 2018 sailings):
Secrets of the Faroe, Shetland & Orkney Islands – The remote islands of the North Atlantic are perfectly suited to exploration by small ship. Windstar is the only cruise line to offer a seven-day journey (round trip from Edinburgh) to these landscapes, with access to Shetland ponies, Atlantic Puffins, and the opportunity to meet the laird of a castle.
Norway's Famous Fjords – This eight-day, round-trip journey from Copenhagen puts guests into ports like Geirangerfjord and Sognefjrod. Windstar will ensure guests can take advantage of the region's hiking, kayaking, and fishing opportunities, as well as immerse them in the traditional mountain lifestyle with visits to local sheep farms.
Sailing Southern Italy & Croatia – Windstar's new 11-day exploration of both coasts of Italy and the Croatian Riviera lets guests take in medieval walled cities, glittering resort towns, and some of the finest cuisine in the Mediterranean. From Rome to Venice, the itinerary includes two stops in trendy Puglia's whitewashed villages: Bari and Brindisi.
Hidden Harbors of the Côte d'Azur – From Nice to Barcelona over eight days, this sailing visits less-frequented ports of call along the coastline. With stops in Bastia, Corsica; Le Lavandou, Marseille, and Sanary-sur-Mer in France; as well as Palamos in Spain, guests can enjoy plenty of palm-lined promenades, local delicacies like Provençal bouillabaisse, and an eclectic mix of art and architecture.
The post Windstar Adds New Itineraries for 2018 Sailings appeared first on Avid Cruiser.


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We have built around 7,000 new homes for people in need.
Our financial strength, coupled with our internal development expertise, means we are increasing our development activity.
We will deliver a range of new housing options through different initiatives. These include building new homes for sale to create profit to support our growing programme of affordable homes for rent. We will also be building low cost homeownership schemes to help those who aspire to own their own homes, and we will expand our portfolio of private rental homes.
Our priority is to invest and grow in urban areas and rural communities, enhancing and building upon the character of the local environment through the building of quality and sustainable homes and the acquisition of land and property.
Through developing strong, long-term collaborative relationships with our clients and customers, we can design, build and deliver homes that meet their needs and create communities where people want to live.
We have a strong track record of providing homes in the region and have the ambition of providing 750 new homes per year within five years.
Stanway, Colchester
Our own scheme of 80 homes (64 general needs rent and 16 shared ownership) in Stanway, Colchester. Completed in November 2019.
Developer Flagship Housing Developments / Contractor : Lovell Partnerships
Kings Gate, Norwich
Our own scheme of 9 open market homes in Norwich, Norfolk. Completed in August 2019.
Developer Flagship Housing Developments / Contractor : Pentico Construction
Ashe Coppice, Campsea Ashe
Our own scheme of 8 open market homes in Campsea Ashe, Suffolk. Completed in August 2018.
Developer Flagship Housing Developments / Contractor : Wellington Construction
Modular homes - George Lambton Avenue, Newmarket
Our four Shared Ownership homes at George Lambton Avenue are a modular build. Using this method greatly reduced construction time and waste within the building process. Once the factory build was complete they were transported by lorry to the site. Watch our time lapse film of them being constructed here.
Sweyn Close, Thetford
Sweyn Close is a striking development in Thetford, Norfolk. It consists of 66 homes for affordable rent.
The site was a redevelopment project of former properties to provide modern and energy efficient homes.
The contractor for the project was Lovell and the architect was Ingleton Wood
We are keen to work with you on new opportunities across the East of England. Get in touch if you:
- need someone who understands how local authorities operate
- want a partner that understands the market for affordable housing and open market housing for sale or rent
- want someone with professional experience and robust knowledge to advise, direct and take responsibility for promoting, planning and delivering a residential development
- want to increase or release value from your land or property
- need a co-investor for a development scheme
Get in touch
If you are interested in working together on potential land and development opportunities, please email firstname.lastname@example.com or contact Managing Director Tony Tann.


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Since 1995, we have written many business web sites.
We have been writing web sites for business since 1995 with many sites written
since then.
We started writing web sites at the dawn of the Web as we now know it.
All you needed to know then was the HTML programming language and how to use a text editor.
Being programmers, we had a leg up in learning a new programming language.
Eventually, tools became available that made the process easier.
Back then,having a basic web site cost in the thousand of dollars and hosting your
web site cost $ 1000.00 per year or more.
Over the years, tools evolved that allowed us to write a professional web site in less
time resulting in lower costs.
Currently, we use programs that allows us to write and deploy a web site in less time than in
the past. Once the site is designed, we can usually deploy a fully functional web site in a matter of days.
The process of web content however hasn't changed much over the year.
We prepared a document which we use as our basic template.
View our Web Project document for an the procedure we use to write your web site.
You will require Adobe Acrobat Viewer to view this document Click on the image
below to download Adobe
Copyright (c) 2006 - 2017 LeBlanc & Associates.
Web Sit Hosted by Lebtechhost.ca
All rights reserved. This page last modified on September 21, 2017
All trademarks are acknowledged to be the property of their respective owners.


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Like many of those full-lengths, Second System is based on a concept. X was a graffiti artist in the '80s, bombing the New York City subway system along with Joey Beltram and many others. In exploring the underground tunnel network that connected the lines, he eventually discovered unfinished stations and dead-end tunnels. Naturally curious, he learned that they were part of a huge undertaking in the '20s and '30s to serve emerging neighborhoods in the city that got scrapped before it could be completed. (World War II and the city's shift in focus toward automobiles being the main reasons.) Second System is the sound of X remembering what it was like to find such a ghostly labyrinth.
As a result, most of the material on Second Systems tends to work exceptionally well on first listen. There's a sense of the unknowable throughout—and a dread that must've accompanied X when he couldn't find an explanation as to why these tunnels existed. "Shell Stations" bangs along with an increasing ferocity that suggests the queasiness that comes with an unsolvable mystery. "The Winfield Spur" has that aforementioned piano, accompanied by what sounds like a distorted cloud of guitar lurking behind it.
There are brief moments of respite. The synth line on "Elevated Dreams" evokes the second word in its title instead of, say, nightmares. It's also one of the album's least successful songs, though it's unclear whether that's simply because X doesn't handle lightness well or because it sounds incredibly dated. Industrial, as a general rule, hasn't done as well as other genres in that latter regard. Which is why when he veers toward more abstract climes—like "Subway Inertia" or "Nine Decades Later"—you get the sense that you could quite easily come back to them in 2025.
As for 2012, Second Systems showcases a side of Adam X that many haven't heard before. The immaculate sound design on those Traversable Wormhole 12-inches was no accident, and when employed to less floor-specific ends, X proves capable of inspiring the same sort of atmosphere.


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Make it a Group Effort
Never put a child on the spot in an embarrassing situation. It is agonizing for a child to be asked to come to the board and try to solve a problem they don't know how to do. To avoid this, have several children workout the problem on the board while other students work at their seats.This will enable you to monitor and evaluate students' work and progress, without singling out particular students. Additionally, the group effort will allow both students at the board and at their seats to see how to work out, correct and evaluate the problem.


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While we were in Hawai'i, there was non-stop eating and drinking of deliciousness:
So I had to fit in some sweat sessions in order to keep the weight gain at only five instead of ten pounds.
On the second day, I jogged over to the 24 Hour Fitness right in front of Waikiki Beach. I had my Garmin with me, and it read 0.85 mile from our hotel to that gym.
I found out that that location is considered a SuperSport (I only have the regular Sport membership), so I could have upgraded or paid $25 to workout for one day. NO, THANK YOU.
I came outside and decided that God provided an even better "treadmill" than the one inside the gym:
I was grinning from ear-to-ear, running around and exploring this part of the island. I covered 6.55 miles on that day.The only thing that sucked about that run was that I had my purse on one arm, and a towel and rolled up magazine on the other hand (because I thought I was going to work out at the gym). I don't know if it altered my form, but I started getting super bad knee pain on the right side. Poop.
I came back to the hotel and watched the Lakers-Thunder game while doing Pilates to boost my caboose as well as 5 minutes of plank.
End of Day 2 workouts. (By the way, we did about 3 miles of walking on Day 1, exploring the area and walking along Waikiki Beach from the hotel).
On Day 3, we did about 3 miles of walking again (to restaurants and the beach). Then at night, after Joe and I had a late meal, we went to a different 24 Hour Fitness branch and I got to do 30 minutes of elliptical and 20 minutes of shoulders (and some biceps and back).
Day 4 consisted of snorkeling. The only time my heartrate spiked was in the beginning when I was getting used to breathing with the snorkeling gear. Mild panic attack for two minutes, and then we were good to go.
(By this time, we're all rockin' some bloated bodies and such… because eating a lot of food every three hours will do that to ya).
Day 5, the last morning, I went out for a final run at 6:30 am!
I ran along this river thing where the locals do their kayaking races and practices. It was a perfect place for a run.
I saw water fountains around Waikiki Beach the other days, so I didn't bring any water with me… and got owned. The first seven water fountains I came to were BROKEN. Say Whaaaat??? It was a pitiful sight to see for those who were watching a big sweaty Asian girl press the button ten times with her mouth open, only to get no water and have to continue running.
Luckily, there was ONE that was working about 4 miles into the run. Thank the Lord!!!
I covered 7.85 miles on that last morning. Swit.
The only other exercises we fit in were going from my room to the boys' room by taking the stairs.
Hey, however you can sneak it in, right? It's seriously better than nothing.
🙂 I will be back to getting my sweat on here at home.
How do you keep in shape when you are on vacation?


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What's the nature of reality? Does the universe ever end? What is time and does it even exist?
These are the biggest imagination-stretching, brain-staggering questions in the universe - and here are their fascinating answers.
From quantum weirdness to freaky cosmology (like white holes - which spew out matter instead of sucking it in), This Book Will Blow Your Mind takes you on an epic journey to the furthest extremes of science, to the things you never thought possible. This book will explain:
Filled with counterintuitive stories and factoids you can't wait to share, as well as lots of did-you-knows and plenty of how-did-we-ever-not-knows, this new book from the bestselling New Scientist series will blow your mind - and then put it back together again.
You don't need a spaceship to travel to the extremes of science. You just need this book.


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Breaking through the stereotypical image of an Indian woman in foreign films, Freida Pinto is India's first Hollywood star and this label makes her an icon in every way.
Post undertaking the role of Latika in the award-winning 'Slumdog Millionaire', we have seen the actress shine in several American and British productions including 'Rise of the Planet of the Apes', 'Trishna' and 'Dearest Dancer'.
What also makes Freida a formidable and admirable individual, is her passion for philanthropy and the fact that she is incredibly vocal about women empowerment.
As a result, by launching the non-profit organisation called "We Do It Together" (which provides finance for feature films, documentaries and television shows which focus on women's empowerment), proves how Freida has taken yet another step regarding the development of women.
Perhaps her fervour for the subject of female empowerment is a reason why Freida Pinto chose to get involved with Tabrez Noorani's 'Love Sonia', a film which exhibits how the lives of young Indian Village girls after being victims of human trafficking into the vicious global sex trade network.
In an exclusive with our entertainment reporter, Freida opens up on her role in 'Love Sonia', acting and what woman power really means to her.
Freida, Love Sonia is having its world premiere at the opening gala at the Bagri Foundation London Indian Film Festival 2018. You must be thrilled about this?
Yes, I'm absolutely thrilled. Love Sonia has been a labour of love for over 10 years and it's finally getting its world premiere in London.
This will be an international release for the film, in such a multicultural city, and will be attended by audiences from every walk of life.
Tell us more about your character and role?
I play Rashmi whom you see shortly after the first act of the film after Sonia has been forced and drugged against her will into a brothel in Bombay.
Rashmi is an unpredictable character which you never know what she is going to do next. I like, in many ways that I got to play this character because I was so tired of playing the same sunshine roles in films that I have done in the past.
Playing Rashmi gave me a chance to come out of the box, into this crazy side that I believe we all have. As I was working with Tabrez Noorani on this film I had some interactions with real life Rashmi's.
That was interesting because at the end of the day what they want is no different than what you and I want – they just want to be accepted, loved, and cared for.
Even in a messed up world like a brothel, it is survival of the fittest. My character is a survivor and she does what needs to be done to survive.
Does your character interact with the character of Demi Moore at all in the film?
No, she does not.
You will be sharing screen-space with exceptional various Bollywood actors like Anupam Kher, Manoj Bajpayee, Richa Chaddha, Adil Hussain and Rajkummar Rao, to name a few. How enriching was this experience?
I mainly interacted with Richa Chaddha, Rajkummar Rao, and Manoj Bajpayee. I absolutely enjoyed interacting and playing with these characters.
I had a scene with Rajkummar Rao that did not make the final cut, but I'm so glad I got to play that out with him.
These are all actors I supremely respect not just because they're talented but because they're actors in India who really stuck to their guns and never gave up on to their dream.
Rajkummar Rao and I were friends before this film came around and it was nice to finally work with him. Manoj is a spectacular actor who I really look up to. I am really inspired by these actors.
Apparently, there are 800,000 victims of sexual trafficking each year and 50% of them are estimated to be children. Through Love Sonia and being a renowned public figure who often promotes humanitarian causes, how do you hope to use your celebrity status to tackle heinous crimes like human trafficking?
My dream for this film is to reach far and wide, to all ages, genders, and races. I would also love to see Love Sonia reach that group of people who can actually help us do something about the laws protecting humans that are vulnerable to trafficking.
So much of this change can only happen if people in the legal world and people with political influence make this crisis a priority. But those without political influence can also do something about it.
Revolutions can be ignited and kept alive on social media these days. Everyone can help keep a heightened level of awareness that's generated through technology.
A Facebook post or a heartfelt tweet, if someone is truly inspired, can add some value to the collective voice. But ultimately it's going to take more than 140 characters to effect legal change and for governments where trafficking is rife to start viewing this as a grave crime against humanity.
You are also vocal about women empowerment. What does woman power mean to you?
Female empowerment is simply the right to choose for yourself without judgment; without judgement towards oneself or judgement towards other women.
For me, it think it's about embracing who you are, embracing your strengths including your vulnerabilities.
I am not a proponent of the myth that just because we are coming into an age of overt female empowerment, a woman should never show their weakness.
Or that women should never let their emotions get in their way. Emotions are beautiful. To be able to own your emotions, to be able to accept them, and accept other's emotions, for me is a strength, not a weakness.
According to a recent interview with a leading daily, you stated: "[I refused to play characters that were seen as] a piece of meat or a cardboard cut-out." What type of roles stand out for you and why?
Women are not one-dimensional. Women have strengths and weaknesses. Women can be light and dark, not in terms of skin colour but in terms of personality. I also am drawn to characters that don't indulge in the conventional perception of "what is right".
A woman doesn't lose her femininity just because she needs to step into a man's world to make unconventional choices. I love women that realize the consequences of their decisions and actions and own those as well. I love female characters that make decisions and own them.
How do you feel that these character choices help to evoke a change within society – especially regarding the stereotypical perception of an Indian woman?
I think the stereotypical perception of Indian women has already changed. From the start of my career, I never felt like I had to play a stereotypical "Indian" woman.
I did play some general stereotypical female roles in the early days of my career, but that's something neither white nor are black actresses immune to. Especially at a time when boundaries were still being broken 11 years ago. It's also about how you navigate those stereotypes.
I may be offered a stereotypical role but I ask myself if I can I make it my own? Can I make it different and still memorable? Can I talk with the director about making changes to things I don't agree with? I also think that art imitates life.
The studios and studio heads that made the decisions back then commissioned and okayed such characters to exist in their scripts because that's all that they had tried before and somehow that formula worked for many years.
Objectification of women in cinema is certainly not a recent phenomenon. But it's simple for me. Even if a script like that comes my way, my job is just to say NO, thank you very much but no.
Finally, you are an inspiration and role-model to many. What advice would you give to all the budding actors out there?
I don't like the idea of giving advice as much as I prefer leading by example or by simply sharing my own story. And if someone gets inspired along the way then that does make me very happy.
I remember everyone around me being so enamoured by the success of Slumdog Millionaire that many were quick to pin it on luck.
But luck only lasts for so long and in the end its hard work and persistence that pays off, in addition to the prerequisite of having some talent. And even then life and certainly this career has been all about peaks and valleys.
I had to learn very early in my career to let go of both successes as well as failures to maintain my sanity. Negative self-judgement is possibly more dangerous than other people's opinions about you.
And once you arrive at a place where you can be at peace — secure with who you are and the choices you make — then all the other insecurities can be tamed more easily. It really doesn't matter what other people think of you or say as long as you're owning whatever it is you choose to do.
We also believe that hard work and persistence pays off. As such, this sentiment is palpable in Freida Pinto's success as an actor and social activist. Keep rising and shining Freida!
Love Sonia opens tomorrow at the London Indian Film Festival 2018. For more information, visit the website here!


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The rent spikes in Greenpoint are old news at this point, but it's still pretty sad when good things and good people get pushed out by the trend. Such is the fate of Unleash Brooklyn, a doggie daycare center, and its dog rescue counterpart Dog Habitat, which have both been priced out of their location at 216 Franklin Street.
According to the Daily News, owner and founder Rob Maher is closing the business on Monday, March 31 following a "heavy rent increase" and needs some help.
Maher is currently seeking permanent or temporary homes for three pups, a bulldog mix, a pitbull and a 'pocket pittie,' before he closes up shop to make room for a new dog-walking and training business called Brooklyn Waggers.
Here's a little information about the three pups:
Brando (right): An American Bulldog mix who's about 2 years old and "working on his leash training."
George (left): A year-old pitbull with lots of energy
Diamond (center): A shy 30-pound 'pocket pittie' and Hurricane Sandy rescue.
If you or someone you know is interested in adopting these little fellas, head over to Dog Habitat's adoption page to find out more.
Follow Nikita Richardson on Twitter @nikitarbk


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The Free Trade Agreements are still making their way on the Hill but not everyone is happy. At what cost will these agreements have on the U.S. economy? That question right now is being debated in the halls of Congress. I caught up with Representative Linda Sanchez (D-CA), a member of the President's Export Council, on the pending agreements.
LL: Why don't you think free trade is a fair trade for the American Worker?
LS: Trade can benefit our economy and the economies of our trading partners. However, American families can't afford to have their jobs shipped overseas to countries, where wages are kept oppressively low.
The U.S. economy is shedding manufacturing jobs at an incredible rate, having lost about 5.4 million manufacturing jobs just since 2001.
About 2.4 million of those lost jobs are due to trade with China, and another nearly 700,000 have been lost because of NAFTA.
LL: What do you say to the Chamber of Commerce who supports these Free Trade Agreements?
LS: I would say that we can all agree our goal now is to create jobs in this country. These NAFTA-style Free Trade agreements encourage shipping our jobs off-shore. America's smaller manufacturers and their employees will be hit the hardest by these Free Trade agreements. U.S.
economic policy has to go back to what worked in the past—focusing on putting paychecks in worker's pockets.
LL: What would you like to see to help American manufacturers?
LS: I would like to see our economic policy focus its benefits on small and medium-sized American manufacturing. I'm a member of President Obama's Export Council. Our goal is to double American exports in five years. To do that, we are focusing our efforts on small and medium-sized businesses. We must give those businesses the tools they need to navigate the customs, currency, language, and other challenges so that they can expand into overseas markets. We all want businesses here to export more American goods, not American jobs.
LL: The President has advocated these trade agreements. If you could speak to the President, what would you say to him?
LS: I wish the White House wasn't pushing ahead. These are just bad deals for American workers. I know the White House is eager to get these agreements done, but the agreements need to be done right.
Because Members of Congress have many serious concerns with these FTAs, this Administration should work with Congress to address those concerns.
LL: How much with North Korea benefit from the South Korean trade agreement? (stemming off the fact a lot of North Korean workers work in South Korea)
LS: More alarming is how much China will benefit from the South Korean free trade agreement. With a miniscule 35% content requirement for Korean goods, this agreement will ship jobs to China as well. The United States has an enormous trade deficit with the rest of the world—we import far more than we export—and a whopping 60% of our trade deficit is with China. This trade agreement will only make this deficit worse.
Questions? Comments? Email us at
Follow on Twitter @ twitter.com/loriannlarocco
Follow NetNet on Twitter @ twitter.com/CNBCnetnet
Facebook us @
A Senior Talent Producer at CNBC, and author of "Thriving in the New Economy:Lessons from Today's Top Business Minds."


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Baladin is a brewery I really respect. Comes out of Piozzo, Italy and represents a serious stronghold of the good craft beer Italy has been pumping out in the last few years. I find the bottles, typography, labels, presentation and of course, the beer, absolutely riveting. They are so uniquely their own. My latest Baladin was the Xyauyù Etichetta Oro, vintage 2005.
The pour was flat, a little oily/silky with no head. You can see the color is like a cognac, sherry or port. On the nose was a scent like warmed cashews mulling at the bottom of a glass of port. Nutmeg/pumpkin spice was also present in the flavor. The mouthfeel was unctuous and smooth, belying the hidden 13.5% abv. The label described this as maturing like a fine Madeira or cigar. The price tag was over what I would pay again anytime soon but I would pay it again eventually to lay it away with its sisters the silver and copper labels for another day.


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Asian Science Citation Index is committed to provide an authoritative, trusted and significant information by the coverage of the most important and influential journals to meet the needs of the global scientific community.
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Articles by Md. Rakibul Islam
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Plasma Lipid Profile, Lipid Peroxidation and Antioxidant Status in Preeclamptic and Uncomplicated Pregnancies in Bangladesh
Md. Zakir H. Howlader
Yearul Kabir
Tanzir A. Khan
Md. Rakibul Islam
Firoza Begum
Fatma G. Huffman
To investigate the changes in plasma lipid profile, lipid peroxidation and antioxidant status in Bangladeshi pregnant women and their potential involvement in the pathophysiology of preeclampsia, we performed a case-control study consisting of randomly selected women (20-30 years) with preeclampsia (PE, n = 25) as compared to uncomplicated normal pregnant (UP, n = 22) and nonpregnant (NC, n = 25) women. The study was conducted in the Clinical Biochemistry Laboratory of Dhaka University. Serum lipid profile, thiobarbituric acid reactive substances (TBARS), lipid hydroperoxide (LHP), Total Antioxidant Status (TAS) and vitamin C levels were measured using standard methods. Serum total cholesterol levels of PE and UP groups were significantly higher (p<0.001) compared to Nonpregnant Control (NC) group. But there was no significant difference between the total cholesterol levels of PE and UP groups. Serum TG level of PE group was significantly higher compared to UP (p<0.01) and NC (<p<0.001) groups. HDL cholesterol (HDL-C) has a lower level while LDL cholesterol (LDL-C) has a higher level in PE group compared to other two groups and these differences are also statistically significant. TBARS and LHP were significantly higher in PE group than UP and NC groups. But when compared these values between UP and NC groups, there was no significant difference. The values of TAS and serum vitamin-C levels were found to significantly decrease in PE group compared to UP and NC groups. Though there was no significant difference of TAS value between UP and NC group but vitamin-C level was significantly lower in UP group compared to NC group. Our data suggest that an abnormal lipid metabolism and particularly high triglyceride, lipid peroxides, LDL-C and low antioxidant activity and HDL-C concentrations may contribute to the promotion of oxidative stress and vascular dysfunction seen in PE and may play a significant role in its pathophysiology.
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In his 2019 letter to shareholders, JPMorgan Chase's CEO Jamie Dimon wrote:
The threat of cyber security may very well be the biggest threat to the U.S. financial system."
This isn't news to bankers. In Cornerstone Advisors' annual What's Going On in Banking study, cybersecurity has been a top concern of C-level bank and credit union execs for the past few years.
And they're putting their money where their concerns are. According to Kaspersky Lab, financial services firms spend $1,436 per employee on cybersecurity, more than double what the retail industry spends (thanks, retailers).
That doesn't mean there's consensus regarding their views on cybersecurity, however. There are five common beliefs (or myths) about cybersecurity that need to change.
Myth #1: "Cybersecurity is IT's job."
There's a common problem in the business world today: The belief among many senior execs that appointing a C-level exec to oversee a problem or challenge will take care of it or make it go away. If you need proof, consider how many companies now have a Chief analytics, AI, brand, customer, data, digital, experience, knowledge...you don't really want me to go on, do you...Officer.
I'm all for a Chief Information Security Officer (CISO), but many business execs think that, by having one, that person (and IT) has the cybersecurity efforts under control.
It doesn't work that way. The CISO of a $3 billion bank told me:
I may be responsible for the security of the bank's information, but it's the executive team and functional heads who must ensure that we manage and mitigate the day-to-day operational risks of cybersecurity efficiently and effectively."
Data breaches and cyberattacks affect the entire enterprise, not just a single unit, division, or department. Decisions to mitigate these threats shouldn't be relegated to IT.
In addition, cyberincidents require communications with the institution's customers, employees, partners, and media. The executive team and board should help script the organization's responses.
Myth #2: "We don't need to worry--only the big banks are at risk of cyberattacks."
Think again.
According to a study from Nationwide, banks with less than $1 billion in assets were the victims of nearly half (47%) of all bank-related cyber-crimes between 2012 and 2017.
The study also found that financial institutions with less than $35 million in revenue accounted for 81% of hacking and malware breaches in 2016--a jump from 54% the previous year.
According to the CISO of a $750 million bank:
We uncovered a hack into our systems and discovered that its intention was to disrupt the Fed and other banks' payment systems."
Myth #3: "We can gain a competitive advantage by being good at cybersecurity."
No you can't.
It's scary to hear this from bankers for two reasons:
- Cybersecurity is table stakes, not a differentiator. There's no question that security is important to consumers, but they expect it. Being "great" at cybersecurity isn't going to attract more customers.
- Banks can't be "great" at cybersecurity. Only the largest banks have enough resources to be on the leading edge of cybersecurity. And even they would say they're not that good. Privately, that is.
Myth #4: "A national digital identity scheme will emerge to improve cybersecurity efforts."
Keep dreaming.
Although a number of governments around the world have launched identity initiatives, the prospects for a digital identity scheme in the US on par with other countries looks slim for the short-term.
Today's political climate is not conducive to a national identity effort, which will be seen by many as an attempt to limit immigration and identify (and remove) immigrants illegally in the country. In addition, a government-driven identification system hardly seems to be a priority of the current administration.
Banks themselves are beginning to think that they be digital identity providers.
At a recent banking conference, in a panel discussion on digital identity, the panel moderator asked a room of roughly 60 bankers if they, as consumers, would sign up for a digital identity service from their bank. Four bankers raised their hand.
That might not bode well for the banks looking to develop digital identity services, but the arguments against a bank-offered digital ID scheme goes beyond an unscientific survey of bankers (see this report for those arguments).
Myth #5: "We're doing fine as long as we pass our annual exams."
No you're not.
At a recent conference, I sat on a panel with a lawyer who had worked at the CFPB. An audience member asked, "Can regulators keep up with technological change?"
I argued "no." The lawyer argued "yes." It was the first--and will probably be the last--time I ever win a debate with a lawyer.
I'm not alone in my argument. Look at some of these recent headlines:
"Law and ethics can't keep pace with technology."--MIT Technology Review
"Data protection law is in danger of lagging behind technological change."--The Guardian
"The law can't keep up with new tech."--World Economic Forum
[Full disclosure: I did come across an article titled Can Regulators Keep Up With Fintech? that argued that regulators could keep up--but the whole article is just an interview with....yep, you guessed it...a regulator.]
Passing annual exams means a financial institution is doing what a regulator thinks it needs to be doing. But who says the regulator is up on things? Apparently just the regulators.
One overarching theme cuts across the debunking of the five myths: Achieving cybersecurity success requires management and measurement—not just education. Educating employees and board members about cybersecurity issues is needed—but represents the bare minimum of what banks and credit unions must do.
For a copy of the report Debunking Cybersecurity Myths click here.
Ron Shevlin is the Managing Director of Fintech Research at Cornerstone Advisors. Author of the book Smarter Bank and the Fintech Snark Tank on Forbes, Ron is ranked…
Ron Shevlin is the Managing Director of Fintech Research at Cornerstone Advisors. Author of the book Smarter Bank and the Fintech Snark Tank on Forbes, Ron is ranked among the top fintech influencers globally, and is a frequent keynote speaker at banking and fintech industry events.


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How To Stop Desktop Notifications In Firefox, Chrome, and Opera [1]
Desktop notifications from websites in your browser can be useful, or an annoyance. Most browsers let you turn off notifications for an individual site, but what if that box popping up asking you if you want to receive notifications is something you never want to see again? Here's how to turn off desktop notifications in Firefox, Chrome, and Opera.
Remove Desktop Notifications in Firefox
Firefox has two ways to prevent desktop (push) notifications from being seen. The first option revokes permissions for all desktop notifications and the second completely disables desktop notifications.
Revoke Desktop Notification Permissions in Firefox:
- Click the menu button and choose
- Select
- Scroll down to the Permissions
- Next to Notifications, select Settings
- Select either the Remove Website or Remove All Websites if any are listed
- Tick the box next to Block new requests asking to allow notifications
- Select Save Changes
Completely Disable Desktop Notifications in Firefox:
- In the address bar, type about:config and press Enter. The about:config "This might void your warranty!" warning page may appear. Click to continue to the about:config page.
- Search for the dom.webnotifications.enabled preference.
- Double-click on the search result to change the value from true to false.
- Search for the dom.push.enabled preference.
- Double-click on the search result to change the value from true to false.
Remove Desktop Notifications in Google Chrome:
- Click or tap the menu in the upper right corner (three vertical dots known as "Customize and control Google Chrome")
- Go to Settings
- Scroll down to Advanced and click on the arrow to expand the menu
- Scroll to Privacy and Security
- Select Content Settings
- Scroll to Notifications and click to open
- Move the slider from Ask before sending to Blocked
Remove Desktop Notifications in Opera
- Click on the "O" menu in the upper left
- Choose Settings
- Choose Websites from the menu on the left
- Scroll down to Notifications
- Select the button next to Do not allow any site to show desktop notifications
That should prevent any more desktop notifications from appearing when you visit a website that has push notifications from displaying the ask permission box.
You can find more Tech Treats here [3].