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Our in progress development
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1) On the homepage change the "INTERNET BANKING" button to "LOG IN"
2) Employ a high class web designer ("designer" is not developer) to make buttons look like buttons and text look like text. Right now it's virtually impossible to tell the difference. I realize that the FD color scheme is black and white, but for usability you need to introduce color or at least shades of grey to create user friendly interface.
3) Look at HSBC or ING Direct to get an idea of what a good user-friendly banking website looks like. This site does not instill confidence, and most of us do our banking online.
Totally agree. For a company that's virtually all online, the UI is very poor.
Report this commentit seems to me that you are paying too much to the managers and not enough to recruit and train I.T. specialists
instead of paying absolutely obscene salaries and bonuses to silverspooned no nothing jumped up little twits from eton etc pay normal employees and train them to do a proper job so that you dont get so many complaints
stop stealing the publics time to supplement the obscene pay
first of all if it is not broken DONT FIX IT
second if it is broken which is first directs case it is then just get it right and stick with it dont keep changing it
banking is (or should be very simple) it is not rocket science and bankers should not be being paid more than scientists and engineers who are the real captains of industry
stop ripping the public off but peddling duff products
I do not think you have done a very good job at illustrating to your customers the proposed changes and when these are going 'live'. Does not seem very easy to navigate to find this information, all looks a bit overly technical to me!
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Why change it? It works, it's simple, it's easy to use, it does everything I want and I'm used to it. So far as I'm concerned the only thing I don't like is that you're cluttering it up with adverts and links to services I don't want.
I suggest looking at the Halifax site, very clear and useable.
I don't like the way the FD site opens you accounts in a small sub window that losses any of the browser funtionality.
is there an ipad app version? maybe there is and i missed it?
sorry, my spelling is usually better....mac keyboard..:-(
Report this commentDJ there is a First Direct app which I have used. I did not find it particuarly user friendly.
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The iPhone 4S has very positive sound characteristics in my experience. I wouldn't shrug at using it to drive a top-tier earphone. However, I can't tell you if getting a high-end set as a daily beater is a "waste of money". Only you can make that decision. I will say that I have not been very careful with some of my customs just to see what would happen. I once got my Alclair Reference caught in door in a really bad way. The cable detached from both earpieces and from my mp3 player. Had to bend the cable pins back into place but other than that no permanent damage.
If you're looking to stay reasonably close to the PFE 112 sound signature without spending a whole lot the ClearTuneMonitors CTM-200 might be an option - it's about as durable as any other custom would be and offers a reasonably balanced sound slightly focused on the midrange and treble.
Thanks for responding Joker. I wasn't very clear in my post so I will attempt to clarify. I will be using my PFE 122's or the Hm RE 262's as the beater set but I was thinking about going the custom route for my nice set. I don't want to go though the trouble of a custom just to get a mid level set. I would prefer to go all the way, just from quick reading of this site and others I was thinking of the UM Miracle. It seems like it is well balanced, (the detractors just have minor complaints and it is not an item where some hate it and some love it). I personally prefer to spend the money up front and not spent the next 6 months worrying if I made the right choice and if another option would have been worth the money. Let me know if you or anyone else has some advice for me.
I have learned so much in the past 24 hours that I have been on this site. Thanks to all.

subset: commoncrawl


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Puss no Boots Kitty Debbie Limoli(see more by this artist)
Puss no Boots this precious kitty is made by me from a lump of clay fired in a kiln and glazed with nontoxic glazes and fired a 2nd time. Totally unique no molds are ever used. This kitten stands 5" tall and 5"long.My art is in 5 galleries get one before i'm famous:) Custom orders of your own special critter are welcome and you can have as much or little input as you like. Shipping includes insurance.Email me at limoli1zoo [!at] yahoo.com for my art video or customcrittersbydeb.com for more pieces.


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CrockPot beef stew with your favorite Mediterranean flavors! (Photo from Kalyn's Kitchen.) |
This Mediterranean Beef Stew with Rosemary and Balsamic Vinegar is one of my favorite versions of beef stew, with so many of the Mediterranean flavors I love like olives, garlic, tomatoes, mushrooms, onions, rosemary, capers, and balsamic vinegar. For best flavor in a stew like this, brown the meat and saute the mushrooms and onions before you put them in the slow cooker. And if you do that the night before and keep the ingredients in the fridge overnight, you can cook this all day while you're at work and come home to a great dinner.
I hope you enjoy trying this from-scratch slow cooker recipe! Use this link to get the recipe for Mediterranean Beef Stew with Rosemary and Balsamic Vinegar from Kalyn's Kitchen.
More Ideas with Beef in the Slow Cooker:
Beef, Ale, and Onion Stew from The Perfect Pantry
Beef with Tomatoes, Pearl Onions, and Portobello Mushrooms from Color Me Pink
Brisket Tacos with Green Sauce from Coconut and Lime
Indian Beef from Perry's Plate
Pot Roast with Red Wine and Brandy from Tasty Eats at Home
Submit Your Recipes: --If you're a food blogger with a good from-scratch slow cooker recipe you'd like to have featured on this site, here's how to submit it.
Rate the Recipes: --If you come back and leave a reaction (after you've tried a recipe), that feedback helps other readers to know which recipes they might like to try. Thanks!


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Apple to sell contract-free, $350 iPhone, report says
Just when you thought you had enough, another iPhone rumor pops up.
The latest, courtesy of a story from Boy Genius Report today, has Apple selling a contract-free, $350 iPhone 3GS for the prepaid customer segment. The report also said the next iPhone, which may or may not feature a radical design, will be coming out or announced "by the end of summer, late August-ish."
An Apple representative wasn't immediately available to comment on the validity of the report.
Apple has been looking at ways to expand its potential base of customers and cement its leadership role in the smartphone world. The company has already expanded its distribution with the addition of Verizon Wireless as a carrier partner. But Apple wants to go after the burgeoning prepaid market, one of the few areas of customer growth still left in the wireless industry. … Read more


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Dave Richey Picket boat
Dave McCreary's goose. Superb!
Liberty and Patriot pass.
OK, State Police enjoy it too!
Gene oversees a couple of young skippers.
Our Liberty and Patriot fleet + kids = fun!
Dave Hampton preps a boat to run.
Neat pram by Scott Black! Oh yeah, he has a Mini Rio, too.
Kyle on the State Fair DNR pond manning our retrieval system.
Aquacraft SuperVee 27R
Welcome to another GREAT Admirals event!
Promoting the hobby and the club!
Promoting the club and the hobby!
The Admirals storage trailer
Promoting R/C boating!
Dave McCreary's


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Affinia Manhattan371 Seventh Avenue, Midtown, New York City, NY 10001 (Show map)
Score from 734 reviews
The only advantage is the excellent location
Location was quite good and hotel lobby is nice.
staff is helpful & friendly , rooms is well equiped
centreville , va
Stayed here a two times so far, and I'm sure I'll be back. Great location, awesome, clean and cool hotel!
Affina Manhatten New York. Clean comfortable beds got upgraded for free, staff very friendly. Price was great too. Location can't be beat...Will be staying again next year when we come back to us.. Denise - Australia
Willow Grove
Room was suite with kitchen. King bed extremely comfortable Robe space very generous Large fridge Top location
comfortable beds,good size room,quiet within the hotel,brilliant location
Lytchett matravers,Poole,Dorset
Great sized room loads of space. Location was great too. Staff really pleasant and helpful.
Excellent location, just across from Madisson square garden and on a walking distance from the Times Square and the theaters Very kind and helpful staff Wide, spaceous and pleasent rooms
Excellent location
Химки Московской обл
This boutique hotel in Manhattan features a restaurant, gym and spacious studios or suites with full kitchens. Affinia Manhattan is one block from Penn Station and Madison Square Garden. Guests can also enjoy a social hour with wine available at select times. A flat-screen satellite TV, iPod docking station, sitting area and desk are included in all spacious rooms at Manhattan Affinia. In-room spa services and room service are available. Niles New York City Restaurant and Bar serves continental cuisine. The hotel has concierge services and theater tickets. There is an on-site business center and meeting facilities for added convenience. Guests can enjoy a complimentary wine hour Monday through Friday evenings. The Empire State Building is half a mile from this hotel. It is a 10-minute walk from Times Square and within one mile of Radio City Music Hall and Rockefeller Center. Hotel Rooms: 618 The most recent booking for this hotel was made on Dec 13 at 3:39 AM from Nigeria.
OutdoorsTerrace, Sun Deck ActivitiesNewspapers, Fitness Center Food & DrinkRestaurant, Bar InternetWi-Fi is available in all areas and costs USD 14.95 per 24 hours. ParkingPrivate parking is available on site (reservation is not needed) and charges apply. Services24-Hour Front Desk, Baggage Storage, Room Service, Meeting/Banquet Facilities, Business Center, Dry Cleaning, Ironing Service, Tour Desk, Fax/Photocopying, Ticket Service, Concierge Service, Shuttle Service (Surcharge) GeneralNon-smoking Rooms, Facilities for Disabled Guests, Family Rooms, Elevator, Safe, Heating, Designer Hotel, Hypoallergenic room available, All Spaces Non-Smoking (Public and Private), Air Conditioning Check-inFrom 3:00 PM Check-outUntil 12:00 PM Cancellation/
Total Hotel Score:7.7
Based on 734 reviews Guest reviews are written by our customers after their stay at Affinia Manhattan. |
Score breakdown
Score Filter |
The only advantage is the excellent location
The photos in the websites not exactly what in fact plus I stayed in family room with two queen size bed but the size of the room and the bath are small
Location was quite good and hotel lobby is nice.
I stayed here and was ripped off by the driver and bellboy. I made a complaint to the general manager, Joe Kelly, via email and followed up but after 10days not one response or even acknowledgement of my email. Rooms look nice from the pictures but they are only semi renovated in real life so wouldn't recommend staying there. Our bath had pieces of the enamel missing.
staff is helpful & friendly , rooms is well equiped
Stayed here a two times so far, and I'm sure I'll be back. Great location, awesome, clean and cool hotel!
The 2nd time I stayed here I was in a room (1028) which was close to a kitchen / restaurant. So during the day there was a enormous smell. But besides that everything is amazing here.
Affina Manhatten New York. Clean comfortable beds got upgraded for free, staff very friendly. Price was great too. Location can't be beat...Will be staying again next year when we come back to us.. Denise - Australia
Very central
Bathroom to small central heating not working with an outside temperature of -3C
Room was suite with kitchen. King bed extremely comfortable Robe space very generous Large fridge Top location
Slow check-in. No free wi-fi Shower fawcet needed maintenance No public lift to street level Escalator out of service during entire stay( 1 night) Large hotel without soul. Slow lifts/elevators
Security safe in room had dead batteries.
comfortable beds,good size room,quiet within the hotel,brilliant location
very dark room, smallest bathroom in the world, rubbish shower,rather dirty carpet,bathroom not overly clean
Great sized room loads of space. Location was great too. Staff really pleasant and helpful.
Room was too hot. For price of stay I expected air conditioning hence despite good points prices was too high. I would look for a cheaper hotel when I come back.
Excellent location, just across from Madisson square garden and on a walking distance from the Times Square and the theaters Very kind and helpful staff Wide, spaceous and pleasent rooms
For that price, suprisingly no free wi fi in the rooms, just in the lobby where it was always packed. The room cleaning can be improved as sometimes we ended up with dirty towels. It is an old hotel, with bad isoation, so you hear most of your neighbours activity.
Excellent location
We booked a non-refundable room and were charged the room cost twice - on arrival and check-out. We still cannot fix that with the hotel.
Hotel rep (Maria) was very polite and helpful. Great location.
The pictures displayed online gave a much more luxurious view of the hotel rooms. The rooms were a lot smaller than what they appeared online. The shower was so small in the suite that I had to step outside of the shower to wash my body. There was not an extra roll of toilet paper in the bathroom so when we ran out we had to call for one. The housekeeper did not refill the Kleenex when they cleaned the room after the first night. There were no sheets in the room for the pullout bed.
Very nice room and comfortable bed. Easy check in and out.Apart from annoying wifi charge, was great hotel for a city break - right across the road from Penn station so very convenient.
Free Wifi only available in lobby - wanted to charge $15 for wifi in room - in this day and age that is ridiculous.
Everything....Jenny at check-in, although swamped with people couldn't have been more welcoming and accommodating. One bed suite wonderful, view to die for
Loved everything
location convenient to tranportation
small bathroom
Location... Hard to beat...
To noisy... Check in and check out... Long lines... Slow service...
The equiped suite. Wine o'clock - excellent idea Good location Maureen - never ever let her go she is such a mine of information
The fact you had to pay for wifi if you wanted it in your room. Being woken up at 4am by the road being dug up. Minor point - no earplugs in drawer as promised. Lack of double-glazing. The fact I had to pay for an extra guest when I paid for a room and clicked on 2 people.
We really liked the location and the staff did a great job. The happy hour was a nice addition to the day! Our room was perfect for the four of us traveling together with a sitting room, small kitchen, 2 bathrooms and a sleeping room.
There wasn't a replenishing of soaps, shampoos each day but we did appreciate the service of fresh towels and beds made. Thank you.
the water with cucumber in the lobby WiFi in the lobby wine or sparkling water in the late afternoon convenience to metro and shopping areas friendly staff spacious room very conscientious cleaning staff
one day the water in room was coloured-i heard later that they had trouble with the boiler
the location the pictures of the hotel
the room that i got at the end wasn"t simmilar to the pic, aircondition problems, fuilds, old furnitures and carpets, and at the end they forced me to pay 50% extra for 4 hours late check out
Close to shopping and tourist attractions
Facilities and hotel standard were poor and very much overpriced
Was upgraded from a studio to a deluxe - kitchen very handy as didn't want to eat out every meal.
The guest reviews express the personal opinions of Booking.com customers who filled out a questionnaire after their stay at the hotel. These opinions do not necessarily represent the views of Booking.com.
Affinia 50Ideally located in Midtown Manhattan, this pet-friendly luxury hotel is just a 20-minute walk from Times Square and the United Nations Headquarters.Most recent booking for this hotel was today at 03:58 from $152.15 |
Hotel PennsylvaniaThis Manhattan hotel is across the street from Madison Square Garden and Penn Station. The hotel offers a gym and a tour desk with ticket services.Most recent booking for this hotel was today at 05:41 from $87.20 |
YOTEL - Times SquareThis high-tech Manhattan hotel features trendy, cabin-style rooms and a large outdoor terrace on the rooftop. The 42nd Street-Port Authority subway station is just 2 blocks from the property.Most recent booking for this hotel was today at 05:12 from $149 |


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BTDS108P - Bradley Digital 6 Rack Smoker - Stainless Steel
SALE: 20% Off! -$125.00
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Bradley Digital 6 Rack Smoker - Stainless Steel
Experience the breathtaking flavor of smoked foods with the Bradley Digital 6 Rack Smoker (BTDS108P). This amazing smoker gives you all of the flavor and fun of a traditional smoker, in an easy to use, safe, and convenient appliance that is sure to change the way you look at smoking your food. A full digital control system is built into the side of the smoker and allows you to precisely set the time, temperature, and smoke level of your smoker. These controls come accompanied by a full digital screen with easy to read blue lighting for simple and easy interaction with the smoker.
This smoker uses special round bisquettes to create its smoke, and each bisquette can burn for up to twenty minutes. These bisquettes are small, clean, and fed into the smoker with an automatic feeder that reduces the amount of user interaction necessary to smoke your food. The smoker turns these bisquettes into smoke without having to use an open flame, making this smoker much safer than traditional smoker designs. The benefit of using this electronic smoking technology is that it delivers clean and consistent smoke that does not fluctuate with flame levels and cause your food to cook unevenly or imperfectly. This particular smoker has an enormous 780 sq. in. smoking capacity and with six (6) wire shelves, giving you the ability to cook multiple styles of food at the same time. So grab some beef, chicken, pork, fish, or any of your other smoked food favorites and let this digital smoker change the way you experience outdoor cooking.
Full Digital Control:
A unique side digital control system lets you control the temperature to exact measurements and uses a blue light digital display to relay these precise temperature readings back to youSmoke Without Fire:
This smoker utilizes a smoke without fire system that provides the wonderful taste provided by smoke, without the safety hazard of maintaining open flames for extended periodAutomatic Wood Feed:
Attached to the digital controls is an automatic wood feed system that keeps your smoker producing smoke with limited user involvement
You may download a product owner's manual below:
**Please note, Adobe Acrobat Reader is required to view pdf files
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This item ships Ground or USPS. Delivery times related to these ship methods are usually between 2 and 7 business days once the product leaves the warehouse. We will email you tracking information once the product leaves our warehouse. Ground or USPS deliveries do not require a signature and may be left at the ship to location. All deliveries can occur Monday through Saturday depending on your local delivery carrier. Order must be fully processed by 12pm CST to be eligible for "Guaranteed Same Day Shipping." Orders processed after that time may ship out the following business day.Ground or USPS deliveries do not include a guaranteed delivery date. Should you require a specific delivery date or expedited shipping please add the item to the shopping cart and view the shipping options drop down box. If the product is eligible for expedited shipping the shipping options and pricing will be listed. Please contact our customer service department with any questions related to shipping. (800) 297-6076, M-F, 8am to 5pm CST.


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According to Cornell University's Margolies, unions haven't been able to get enough workers to organize an election to form a union.
Workers at Starbucks and sandwich store Jimmy Johns made some headway, but those efforts didn't go anywhere.
Margolies said this is part of a larger movement of low wage workers to improve their economic positions and treatment on the job. Last week, hundreds of Wal-Mart workers protested on Black Friday against retaliation after speaking out for higher pay, fair hours and more affordable health care.


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Price: $8.49 Platform: iPad
If there's anything more fun than reading comics, it's creating them. And you don't need to know how to draw. Comic Life lets you build comic pages from your photo collection, using page templates and ready-made resizable titles, word balloons, special effects and other editing and design tools. You can flip through your pages on the iPad and share them on Facebook or via email or print them out. At a quarter the price of the desktop version it's a low-cost way to bring out your inner comic book creator. Nov/Dec 2011.
Price: Free. Platform: iPhone, iPod Touch, iPad
One of the things in which the iPad excels is comics, with apps from Marvel, DC and third-parties such as Comixology providing a built-in comic store and reader that is arguably better than the real thing. Now Disney has joined this esteemed company with an app that lets you read comics old and new as well as adaptations of Disney movies such as TRON and Toy Story. The app is free and so are several sample issues, but issues for purchase are a bit on the pricey side so don't give your kids free reign with your iTunes account (good advice at any time). CC issue Sept/Oct 2011.
Price: Free Platform: iPhone, iPad, Android, Blackberry
If you're into movies on the big screen, check out Flixster. This app brings the movie review and social networking site to your mobile device. It includes reviews from Rotten Tomatoes as well as other users. You can view and rate reviews and write your own. It includes support for Facebook and Twitter. And once you've watched a movie trailer and read the reviews, the app will even provide you with local cinema locations and screening times. If you're a big screen movie buff it's pretty much a must. CC issue May/June 2011.
Price: Free Platform: iPhone, iPad, iPod Touch, Android, Blackberry, Nokia, Windows 7 Phone.
Contestants on that perennially popular TV game show Name That Tune would have loved Shazam. If you hear a song and don't recognise it, Shazam will not only listen to a snippet and identify (tag) the song, album and artist, but also let you view it on YouTube, get the lyrics, share your discovery with friends and even buy the track instantly via the iTunes Store. Long-term users (since before November 2009) still have unlimited tagging but sadly, newcomers are limited to five free tags per month. Unlimited usage requires the upgrade to Shazam Encore at $7.99. However, users of the new Android version get free tagging for the rest of this year. CC issue July/Aug 2011.
Price: $2.49 Platform: iPhone
Everything old is new again with Hipstamatic. This retro smorgasbord of special effects brings back all the instamatic-style picture processing (including boo-boos) of the past to help you dress up your new digital picture albums. The app simulates the look, feel and fun of analog plastic cameras with all their optical idiosyncrasies, which can produce surprising results. Mix and match the lenses, flashes and films for unique artistic effects then save or share your results via social networking sites Facebook and Flickr. For more variety there's additional camera packs for purchase within the app. And because it's digital, you can go as snap happy as you like. CC issue May/June 2011.
Nostalgia isn't what it used to be – it's bigger and better than ever. Now you can evoke an older era with digital video on your iPhone. Add authentic-looking vintage fi lm effects to your videos as you shoot, or age your existing iPhone footage to look like films from the '60s and '20s or older with black and white or two full-on sepia finishes. Add old-style piano or fi lm projector sounds or your own soundtrack and speed up or slow down your movie for the right retro effect. Send finished films to your computer via Wi-Fi using FTP or share them on YouTube or via email. CC issue May/June 2011.
Price: $10.99 Platform: iOS, Android, Blackberry, Windows Phone 7, Windows, Mac
If you like eBooks you'll probably love Overdrive Media Console. This app lets you borrow eBooks and audiobooks from your participating local library, just as you would with the real thing. You need a library membership, of course. You can add items to your wish list for borrowing later and reserve titles that are out. You'll receive an email when it's back in again. Borrowed items expire automatically after a set lending term, usually a couple of weeks. The good news is that this means no late fees! Check with your local library to see if it's part of the fast-growing number of Overdrive participants. CC issue Nov/Dec 2011.
17 Oct 2011 | We take a hands-on look at the iPhone 4S and find out how it compares to its predecessors.
22 Mar 2011 | If you're not happy with your current mobile plan, perhaps it's time to look past the big players for a fresh alternative.
30 Aug 2011 | The mobile phone OS has transformed the phone into to a web-surfing, social networking tool however while Apple's iOS and Google's Android dominate the landscape, there are other options emerging.
4 Dec 2013 | We review the Apple iPhone 5C and 5S, as well as the latest Android models from Samsung, HTC and Sony.
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Author: Markus Jaeger +1 212 250 6971
more information on Emerging Markets / Country Risk
Talking Point - Archive
June 4, 2012
The outlook for debt sustainability in Brazil is favourable. Net public-sector debt has fallen tangibly. Brazil's gross debt remains relatively high compared with most of its emerging markets peers, however. Interestingly, gross government debt has remained substantially unchanged in the past five years – in spite of solid real GDP growth and a reasonably tight fiscal stance reflected in large primary surpluses. This can be attributed to public-sector asset accumulation financed by domestic debt issuance. Had the government refrained from accumulating assets, gross (domestic) government debt would be 10-15 percentage points lower than it is today. A fundamental change in policy appears unlikely, as it would conflict with the government's revealed policy preferences.
Many advanced economies are facing debt sustainability challenges. The emerging economies, by and large, are not. The average gross government debt-to-GDP ratio in the EM G-20 is 37% of GDP, as opposed to 110% of GDP in the advanced G-20 economies. This ratio is projected to decline to less than 30% by 2016, while in the advanced economies it will climb by five percentage points.
Brazil is a case in point. The outlook for debt sustainability is favourable. Net public-sector debt has fallen from a peak of nearly 60% of GDP in 2002 to less than 40% now. If Brazil maintains a primary surplus of 3% of GDP, registers an average real interest rate of 6% and generates real GDP growth of 4% in 2012-15, net debt will fall to less than 30% of GDP by 2015. It remains to be seen if the Brazilian government will be able to resist the temptation to switch to a less disciplined fiscal policy once debt approaches the 30% mark.
The government understandably focuses on the (lower) net debt ratio rather than the higher gross debt ratio. Not only has gross general government debt fallen by less, declining from a peak 82% of GDP in 2002 to 65% of GDP. It would be highly desirable to reduce the government debt burden more aggressively. Brazil faces relatively large contingent liabilities in the guise of rising age-related expenditures. While Brazil's demographic profile is relatively favourable, its old-age dependency ratio will double by 2030 and then (almost) double again by 2050, reaching nearly 40%. The IMF estimates the net present value of age-related pension and health expenditure at 70% and 40% of GDP, respectively. Only Russia and Ukraine, two countries with incomparably worse demographic dynamics, face larger pension and health-related liabilities. Other emerging economies will be confronted with rapid increases in age-related expenditure, but they will generally start from a better debt position and/or benefit from higher underlying economic growth (e.g. Russia, China, Saudi Arabia and Turkey).
Brazil's gross debt also remains relatively high by emerging economies standards compared with most of its emerging markets peers. It is about 20 percentage points higher than the EM G-20 average. Net debt remains around 10 percentage points above the EM average. Among the major emerging markets, only Hungary (80%) and India (69%) have higher gross debt ratios. Brazil's gross government debt, including gross domestic government debt, has remained substantially unchanged in the past five years – in spite of real GDP growth of 4.2% per year and a reasonably tight fiscal stance reflected in a primary surplus of 3% of GDP (chart). Net debt, by contrast, has fallen by a full 10 percentage points since 2006.
This apparent discrepancy is largely explained by below-the-line transactions related to public-sector asset accumulation. More specifically, domestic debt issuance tied to sterilised FX intervention and loans to official financial institutions have helped prevent a decline in domestic debt, while the related asset accumulation has not (materially) affected the decline in net debt (chart). Not only has this kept gross (domestic) debt high. It also has resulted in higher-than-otherwise net interest payments. After all, the negative carry on FX reserves has averaged around 1,000 bp in the past few years. The negative carry on lending to official institutions is roughly Selic minus the TJLP (or government-determined long-term interest rate) and has thus averaged around 500 bp. This has helped keep net interest payments high, thus preventing a more rapid decline in debt levels. Admittedly, there are difficult-to-quantify benefits related to FX reserve accumulation (up to a point) and there may be broader economic benefits (which are more difficult to prove) related to subsidised lending. Undeniably, however, public-sector asset accumulation has been costly in strictly fiscal-financial terms.
After all, had the government refrained from accumulating FX reserves and extending loans to official financial institutions after the 2008 financial crisis, gross (domestic) government debt would be 10-15 percentage points lower than it is today. If the resulting lower interest payments and resulting lower interest rates are factored in, gross government debt could today be as low as 35-37% of GDP rather than 52% of GDP. A lower level of domestic debt would almost certainly translate into lower interest rates, leading to a further acceleration in debt reduction. If the government is serious about reducing interest rates, it should not only run a tighter policy but also reduce the speed of asset accumulation and related below-the-line debt issuance. The related slowdown in government-subsidised credit and a stronger nominal exchange rate would similarly help lower interest rates, albeit at the risk of conflicting with the government's revealed policy preferences.
Author: Markus Jaeger +1 212 250 6971
more information on Emerging Markets / Country Risk
Talking Point - Archive
© Copyright 2013. Deutsche Bank AG, DB Research, D-60262 Frankfurt am Main, Germany. All rights reserved. When quoting please cite "Deutsche Bank Research".
The above information does not constitute the provision of investment, legal or tax advice. Any views expressed reflect the current views of the author, which do not necessarily correspond to the opinions of Deutsche Bank AG or its affiliates. Opinions expressed may change without notice. Opinions expressed may differ from views set out in other documents, including research, published by Deutsche Bank. The above information is provided for informational purposes only and without any obligation, whether contractual or otherwise. No warranty or representation is made as to the correctness, completeness and accuracy of the information given or the assessments made.
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A letter in today's Observer about George Osborne's financial competence caught my eye – the letter was in response to an article by Will Hutton in which he had assumed that Osborne really is seeking to remedy financial inequality in the country but he just doesn't have the economic competence to make it happen. The sentiment in the letter resonated with my own thoughts, not just about Osborne, but about the whole Tory endeavour in Government at the moment, and especially about Michael Gove's assault on schooling in England. Of Osborne, Graham Aspinall, of Sheffield, wrote:
To credit Osborne merely with economic illiteracy, as Hutton and Blanchflower et al do, is too charitable. He is a shrewd ideologue and strategist. It's not that he doesn't understand the ruin he is inflicting on families. He knows what he's doing; he just doesn't care. Osborne is not an economic illiterate; he's worse – a moral illiterate.
Polly Toynbee has called the current administration:
…the most rightwing of all postwar governments…
I agree. And deep at the heart of this rightwing government is a clever, seemingly-complex (but really not), unfailingly polite, well-read and media-savvy ideologue who just happens to be in charge of education, apparently by his own choice. At least in Scotland we have only to contend with an egotistical incompetent as education secretary; English state schooling, on the other hand, is now being systematically undermined and dismantled by a man who thinks that his own life tale, that of someone from humble beginnings made good by a rigorous schooling of a tradtional kind, is the model that must serve everyone.
But that is only part of what Gove is about. Gove, like many of his rightwing friends in this Government and beyond, accept wholeheartedly the concept of an education system as a race to the line, as the means by which the country's elite is selected and trained, and as a system designed to weed out those who are not capable (defined by criteria designed to serve the rightwing credo) of benefiting from any kind of academic schooling. Many will throw, and have thrown, the epithet of elitist at this crew, and will intend it as censure. To Gove and his colleagues, such name-callers are merely stating the obvious. They would call themselves exactly the same, being merely descriptive of their philosophy and intentions and values.
Michael Gove is a man with a mission, and he is in a hurry to complete it. State schooling in England has been, for many years now, a foreign land when viewed over the fence from Scottish education; soon, it will be more like viewing the surface of Saturn, an exotic place beyond our easy ken and understanding, a situation not lacking in irony given that Gove's own schooling happened in Scotland.


text: "But at the end of the day, it also forces creativity." That's very optimistic. Yes it forces creativity, and restaurants can be just as good without it, but it's like taking the color blue out of a painter's palette. It's a barrier. And you'll always imagine what it could have been if the artist had more to work with. It also puts California's dining scene at a huge disadvantage compared to luckier cities where the ingredient is still legal.


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Johnny wrote:Adam, you can come out of retirement.
Nice to see you have also
Just thinking out aloud. Maybe.
Tuesday 10 December 2013 21:31 UTC |
Latest FLYER headlines: Presented by:
Rather negative answer from my MP:
Dear Mr R, Thank you for writing to me about the proposed change to the planning guidelines by the ODPM's office. I have to say that I do not share your view concerning the effects that this change will have. In practice I think the significance of the change will be in respect of their relevance to the future use of disused wartime airfields and related facilities. I am sorry to say therefore that I am unable to oppose this particular change Yours sincerely Des Turner MP
Disused airfields..hmm..another red herring. May I respectfully suggest that pundits keep their eye on the ball, metaphorically speaking of course. It seems to me that some are playing bowls on the football pitch but think they are playing golf.
Before judging others make sure you are perfect, Johnny May 2012
GreatGreat Feedback from my PM today.
From Sir Michael Lord M.P Dated 23rd Feb 2006 Dear Mr. Richardson Thank you for your fax dated 19th February 2006 expressing concern about the proposed changes to the definition of brownfield sites. I have read your letter with care and i share the concerns you express about this matter. like you i think that the way the government proposes to introduce these changes without proper or indeed any consultation is quite unacceptable. i have, in fact, already written in the most robust terms to the minister telling her of my deep unease with the way the government is planning to introduce these changes and as soon as i have her response i will write to you again. well i think this is a great reply and look forward to the next letter. Craig
I emailed my views to my MP and the ODPM, and posted it as well to ODPM.
Initial email reply from my MP was "I agree with you that this has been handled in an underhand and unsatisfactory manner, and I shall write in the enxt week or so with a fuller response to all the issues you raise". Note that my issues amounted to 4 sides of A4 when I printed it out (didnt seem like it at the time... ... I showed it to a regular pax of mine who described it as very entertaining and the best read in ages as she dried her eyes! Hmmmmm Follow up letter from my MP to me was generally supportive, although he did comment that many disused airfields could be successfully redeveloped to deliver the type of housing that we need in the areas that we need it.... He added a caveat that sufficient infrastructure (schools, hospitals, local facilities, water, waste collection, etc etc) should be in place before redevelopment could be regarded as genuinely sustainable and he was not convinced the Governments plan will be able to deliver this successfully. Now that the general lack of water is headline news again, I guess that means there is insufficient infrastructure to redevelop airfields in the south I did not make the distinction between active and disused airfields in corresponence with my MP and ODPM. Although it is outside his constituency, I will bring North Weald to the attention of my MP as an example that developers dont care whether an airfield is disused or not.
ohHi Johnny
thanks for pointing out the spelling i am in fact 22 but suffer from dislexcia (spelling) im still getting lessons and help but im getting there slowly but surely craig
Reply from Peter Luff, MP Mid Worcestershire
"Thank you for your recent email and letter expressing concerns about changes to Planning Policy Statement 3 on Brownfield land and the implications for airfields. "I have written to the Office of the Deputy Prime Minister on this matter, asking for an urgent explanation, which I will of course share with you" My focus was on due process of consultation. Replies from Laurence Robertson MP Tewkesbury (covering Glos Airport) and Office of the Deputy PM still awaited. Let's see
Only your own MP has a direct interest in bothering with you, as it's only your own MP that is dependent on your vote. Of course, if you choose not to live in a marginal constituency then even your own MP doesn't GAS because s/he doesn't care about your vote either.
I emailed my MP in February, and he wrote to the ODPM on the 24th February.
He received a reply from Yvette Cooper MP - Minister for Housing and Planning, on the 29th March. The covering letter from my MP - David Willetts, reads as follows: ..... I enclose a copy of a letter dated 29 March which I have now received from Yvette Cooper MP about the Planning Policy Statement and its wider effects on airfields. I'm afraid it is rather a complicated letter. Nevertheless, it looks as if the Government hadn't really intended to change the policy on airfields at all, and they claim it is merely a confusion caused by the removal of a footnote. It looks as if they may be considering reinstating the footnote, and I hope that helps tackle the important concerns that you raised with me. Yours, etc etc... .... The enclosed letter from Yvette Cooper MP runs to a couple of pages, which I would be happy to scan and reproduce here or on email, if anyone is specifically interested? Rob
Sounds to be too full of "looks like" and "maybe's".
Either they are or they arn't going to reinsert the footnote - all this gobbledygook indicates that they are probably stalling for time - having no intention whatsoever of correcting this. We need to press this home fully. Anyone know any tame national journalists who would take this up again?? Tom Who is onlineUsers browsing this forum: A le Ron, Bing [Bot], BlackheathBloke, Flying Shed, Gertie, Google [Bot], GrahamB, HedgeHopper, mep300, wombat and 46 guests |
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More than snow is about to fall.
They are Sweeping the city and taking out the trash.
It's not your father's documentary.
Justin (Brad Renfro) must face his darkest fears before it's too late.
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AMD Catalyst DriversAMD Inc - (Freeware) |
AMD Catalyst: A free software suite for AMD Radeon graphics that helps improve PC performance by increasing overall stability and providing innovative new features.
There are different versions of AMD drivers for each OS.
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If you would like to know about DNA paternity testing, including the reasons for paternity testing and the types of DNA paternity tests that are available, the information in our DNA testing guide will interest you.
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Rachel Pally
Long Sleeveless Caftan Dress
Rachel Pallys style has been distinguished by her ability to blend the easy and elegant with the chic and classic. Known as Los Angeles 'jersey girl,' Rachel Pally has become a favorite amongst Hollywood elite like Angelina Jolie, Sarah Jessica Parker, Rachel Bilson, Jessica Alba and more.
- 92% modal 8% spandex
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- Modeled in size XS. See fit guide for model's dimensions.
- Revolve Style No. RACH-WD952
- Manufacturer Style No. SU13-2805P
- Can't find your size? Place a special order inquiry for this item.


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Hi, I'm McViolent, team lead and lead programming for the Source 2007 mod "Zombie Master 2". If you have any questions about coding, feel free to ask.
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│ Submit a Service Ticket │ General IT FAQs │ Faculty/Staff Training │ Student Training │ Information Security │
Other 2012 IT Updates
- Internet Access Speed Improvements
- Email System Maintenance – 6 p.m. Friday, June 15th
- Upcoming Changes To Use of File Transfer Protocol (FTP) and Telnet
- Convenient changes come to SacLink
- Mobile Safari Issue
- IT Forum on Workplace Automation & Efficiency: Is It Right For Higher Education?
- IT Procurement At Year-End
- Information Security and Patch Management
IT Updates Archive
IT Updates, September 2013
Fall 2013 Faculty and Student updates
- Faculty - Your resource, the Student Technology Center
- Students – Check out the Student Tech Center
- Students - New 365 Email
- Computer Access for Students
- Classroom Support
- IRT Service Desk
- Internet Protocol Television (IPTV)
- Office 2013 and Windows 8 are coming…
IT Update, July 2013
SacState Data Center Scheduled Yearly Summer Maintenance: Saturday, July 27th from 6am to 7pm
In order to perform yearly maintenance on key systems, IRT is planning a shutdown of the CSU Sacramento data center during the summer. More
IT Update, April 2013
Classroom Upgrades Continue
In spite of uncertain times, Information Resource Technology continued to make progress upgrading classrooms over this last year. More
Data Center Maintenance
Beginning 10:00 pm on Friday, April 12 and ending at 6:00 a.m. on Saturday, April 13th the university data center will be performing maintenance on the campus storage system. More
Protect Yourself, Protect Your Data - patching University computes
Beginning the week of April 22, 2013, we will be implementing a new program to patch University computers through an automated campus-wide approach. This will help us to provide the best possible protection of our university network, computers, and data. Rather than having each college or program center separately responsible for patching, patching (if needed) will now be automatically pushed once a week on a campus-wide basis on each Thursday. This will ensure that patches are installed in a timely and uniform manner across campus, but can also be applied at your convenience. More
SafeConnect - Protect Your Personal or University Laptop From Attack
The security of our computers and networks is only as secure as the weakest link in the chain. If only one computer attached to our network is compromised, everyone on our network is at risk. More
Spring IT Forum: 'Optimizing Our Use of Data for Fostering Student Success'
Information Resources and Technology is pleased to announce the second annual Spring IT Forum, scheduled from 3 to 5 p.m. Wednesday, April 10, in Library 11. This semester's forum features a timely discussion on "Optimizing Our Use of Data for Fostering Student Success." More
IT Update, December 2012
New method and instructions for ordering 8 1/2 x 11 photocopy paper
In order to reduce photocopy costs and use of paper for photocopiers, we are changing the way paper is provisioned for university-owned photocopiers. Beginning January, 14th, all 8 1/2 x 11 white paper will be purchased directly in bulk by the program center that uses photocopiers. More
SafeConnect for wireless Macs and PCs - Coming in January
Beginning Jan. 7th, Sacramento State will require use of the SafeConnect tool for all university and auxiliary staff who connect to the campus wireless network with a laptop computer (either university-owned or personal). More
Sac State Data Center Scheduled Yearly Maintenance
In order to perform yearly planned maintenance on key systems, IRT is planning a shutdown of the Sac State data center during the winter break. More
IT Update, August 2012
SafeConnect for wireless Macs and PCs - Coming in January
In order to perform yearly planned maintenance on key systems, IRT is planning a shutdown of the CSU Sacramento data center during the winter break. Our planned date and time for this maintenance Jan 5, 21012 from 6 a.m. to 7 p.m. More
IT Update, April 2012
Convenient changes come to SacLink
Now you can manage your own SacLink account in one convenient location, at mysaclink.csus.edu. On that single page, you can change your password, activate your web page, retrieve or activate your SacLink username, locate information for guest accounts and find helpful answers to frequently asked questions. More
Mobile Safari Issue
If you are a user of the mobile Safari web browser on Apple iOS devices such as an iPad or iPhone, please be aware we have seen compatibility problems with use of mobile Safari to access the Faculty and Student Centers and other CMS features. More
Other IT Updates can be found in the IT Updates Archive… More
Academic IT Forum on The University Implications of Personal Ownership of IT Devices
set for Feb. 24, 2-3:30 in the University Union Foothill Suite


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Feel free to ask questions here.
I am going to post a quick review so far after 2 weeks. Yes, I am the designer of the product. Yes, I am financially compensated by its success - but those of you who have watched my career realize that I don't bull****, nor do I design crappy products.
Vanillean is the craziest product I've ever designed and used. The temperature increase is marked, quickly apparent, potent, and long lasting. This is extremely energy-costly. Appetite suppression is like nothing I have ever used as well, especially when combined with AlphaBurn (I have done both with and without). My yearly cut for the Arnold Classic started 2 weeks ago when I realized that I would NOT be able to continue my bulk without the kind of insane appetite it requires. No big deal, 3 weeks early.
After 2 weeks I have come to a realization...if everything continues at this pace I will be finished to my satisfaction by the 2nd week in February, which is a bit too early IMO.
I will be rolling this PAST anything I wanted to do (usually 10% or so), and shoot for 7-8%.


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Ugh, Im kinda tired, kinda out of it. Kinda not here, really.
Dunno why, just am.
Must be Wednesday.
Anyway, off to it, have a ton of work to do and I suppose I should at least look like Im doing it.
Tech Lounge starts us off with the funky sounding MetaGeek Wi-Spy 2.4 GHz Spectrum Analyzer
Techgage shoots for the moon with the NZXT Apollo Case
NVNews takes on the XFX 7600GT SLI and Single
Think Computers watches Days Of Our Lives on the AVerMedia AVerTV CardBus Notebook TV Tuner
Pro Clockers chills out with the Cooljag AMA-H AM2 Cooler
BIOS Magazine manages to steal Lenovo's ThinkPad T60p
Gamepyre busts the chops of the ASUS EN7900GT
Accelenation tries rocking out with the Samsung YP-F1 DAP (Digital Audio Player)
Gamers Hell checks out the Wolverine Data MVP 60
Madshrimps posts up their Intel CPU Heatsink S775 Roundup June 2006
Hardware Zone seems to enjoy the MSI RX1900GT-VT2D256E (Radeon X1900 GT 256MB)
Digital Trends tries out the Music Gremlin MP3 Player and Service
Motherboards.Org gives us the down low on the Foxconn NF4SLI7AA-8EKRS2 Motherboard
Finally, Hi Tech Reviews brings us on home with the HIS X1300 PRO IceQ
Ok, gotta fly.
You go have a day.


text:
SKU: 161432 Weight: 0.11
In stock
List Price:$5.95 Your Price:$5.19 You Save: $0.76 (13%) International customers, please view our shipping page for information on additional shipping fees. CLICK HERE
STONEY CREEK-Counted Cross Stitch Booklet: Little Prince Birth Sampler. Stitched birth records are a timeless treasure. This pattern booklet includes a full chart plus thread listings for both Anchor and DMC floss. Finished dimensions are given for three sizes of Aida cloth. Each package contains one pattern booklet. Made in USA.


text:
Contaminated prepackaged salad mix from Taylor Farms is to blame for a cyclospora outbreak in Nebraska and Iowa, according to the Food and Drug Administration. However, the FDA isn't positive the same source is to blame for outbreaks in other states. Taylor Farms says it is cooperating with the investigation.
Script / info to follow.
Click here to read Bob's blog.
They're often the most memorable bits of dialogue in a film. Can you…


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US legend to travel with Japanese star for 20 weeks in 2014.
Wrist injury cost former No. 4 an absence of 20 months.
Mats Wilander, Tim Henman fall in finals.
American star says she'll definitely miss Auckland.
Does Mardy Fish have anything left at age 32?
Pair had grown close again after 1990s tax evasion flap.
Former world No. 2, Brit doubles star targeting beginning of next season.
The Junior Tennis Champions Center Gr...
2013 in Review: Li Na
Ranking the WTA's 10 Best Seasons
2013 in Review: Stan Wawrinka
Tennis Reacts to Passing of Nelson Ma...
2013 in Review: Victoria Azarenka
Courier, Fernandez Confident Ahead of...
Ranking the Greatest ATP Seasons
Roger Federer Imitator Fools Excited ...
The 12 Hot Shots of Christmas


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What Jesus Meant When He Said "You Must Eat My Flesh"
The day before, Jesus had fed 5,000 people with a few loaves and fish. Then that night he walked miles across the Sea of Galilee before catching up with his disciples in their boat. The crowd had seen him send his disciples away in the only boat available. So the next day, when they found him in Capernaum, they knew he could have only got there miraculously. They wanted him to be their king.
Then he went and ruined everything. To his adoring fans Jesus said,
Truly, truly, I say to you, you are seeking me not because you saw signs, but because you ate your fill of the loaves. Do not labor for the food that perishes, but for the food that endures to eternal life, which the S…


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Call for completed documentaries produced 2009 – 2010, English subtitled or with English voiceover, with trailer and documentary projects in development.
Submission deadline is July 31, 2010. Submission is also valid for the Jihlava IDFF programme preselection and Doc Alliance preselection.
Submit your documentary via our online entry form.
Please send 2 DVD screeners and any additional press and promotional materials to:
East Silver, Školská 12, 110 00 Prague, Czech Republic
Anna Kaslova
East Silver
East Silver Market, Oct 25 - 31, 2010
East Silver is the only market which supports producers and distributors from Central and East Europe. Each year, about 350 films from more than 29 countries submit to the project and are considered for the market. The project is implemented in cooperation with the Jihlava IDFF and the Institute of Documentary Film. East Silver 2010 and the East European Forum will form the industry section of the 14th Jihlava International Documentary Film Festival October 25 ‐ 31, 2010.
ONLINE CATALOGUE AND DATABASE – essential reference guide to Eastern European docs
Printed catalogue distributed to over 500 hundred film professionals is mirrored in form of easy to navigate on‐line database at www.eastsilver.net. Eastern European documentary current production gathered at one place creates searchable up-to-date archive of titles with full film credits and trailers.
EAST SILVER TV FOCUS ‐ designed to enhance and increase documentary TV broadcast
We aim to widen the chances for TV broadcast of documentary films from our region. So in addition to our activities, we are now launching new service for producers, international documentary networks and TV buyers. Gaining substantial knowledge of broadcaster's slots and also current programming needs, we individually select and recommend particular documentaries directly to the international TV stations and networks. With personal approach we make individual selection and recommend particular film titles from our large database, custom made to fit the TV slot, or to the actual needs of current programming.
EAST SILVER CARAVAN ‐ supporting tool for festival and market screenings of documentaries
East Silver Caravan promotes East European documentary films at the most important international documentary film festivals and markets each year. Travelling showcase of Eastern European documentary can be encountered at the most prestigious international film festivals and markets.
Silver Eye is an award for the best documentary of the East Silver Market 2010. Documentaries will be selected from East Silver Market submissions 2010. Selection committee will nominate 11 films in each category (feature, mid and short length). Best films in every category will be awarded by prize money of EUR 1 500.


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Project management with Taskjuggler
Taskjuggler is a handy project management tool for large or small projects. We'll show you how to organize a simple remodeling job with Taskjuggler.
If your memory is less than perfect, you can easily lose track of complex tasks. A written to-do list is an important first step, but the right software tools can really help you plan your projects. This article guides you through a simple remodeling job to demonstrate the use of the Taskjuggler [1] project management tool. Just imagine you finally decide to get serious about refitting your bathroom – a project you have been postponing for years. As the manager of this project, you will need to know which tasks have to happen when, what kind of help you will need, and most importantly, when you will finally be able to take a bath in your new tub. Our project management software is Taskjuggler [1] by Chris Schläger and Klaas Freitag. Taskjuggler is an open source tool released under the GNU GPL license.
Read full article as PDF:
Taskjuggler.pdf (202.57 kB)Tag Cloud
New Mint Minted
Version 16 of the popular Linux desktop reveals new tools, edge-snapping, and performance improvements.
New Worm Attacks Linux Devices
Symantec says Linux-Darlioz burrows in through PHP.
Project Sputnik Gets a Boost
Dell renews its quest for the ultimate developer machine.
Sneaky New Linux Attack Discovered in the Wild
Innovative back door looks like normal SSH traffic.
CeBIT Call for Papers
One of CeBITs most successful forums opens the new year with a new name. The popular Open Source Forum continues in 2014 under the name Special Conference: Open Source. This year, the forum will be bigger and offer a wider range of possibilities for sponsors.
Linus Announces Linux Kernel 3.12
New release offers better graphics drivers and expands filesystem support.
Dark Alliance Reinvents Email Security
New mail protocol will shut out the NSA and prevent snooping on metadata.
DDos Attack Map Charts Denial of Service
A new web application helps users visualize distributed denial-of-service attacks.
Saucy Salamander Gets Legs
Ubuntu 13.10 takes a step toward convergence, with lots of mobility, but Mir only partly here.
Intel and Arduino Create Pi-Like System
Galileo board is targeted to embedded developers and educational institutions.


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Enjoy big football fun in the backyard, at the beach, or at the tailgate with this Fremont Die® inflatable team toss. The inflatable target features gridiron graphics, the team name and logo, and a goalpost design with a hole; toss the mini-footballs and aim at the field goal to score points! It's great for fans of all ages, and the inflatable construction makes it perfect for poolside play as well.
- Ball toss game
- For ages 4 and up
- Includes a target and 8 bean bag mini footballs
- Inflatable construction
- Made in China
- Officially licensed
- Target is designed with gridiron graphics, NFL® team graphics and a goalpost
- Toss mini footballs through the target hole to score "field goals"
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I have just done the most horrendeous thing in the world!
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How to set up a non profit
Screening test for startup
How to look at costs
A comprehensive source of information resources compiled under 3 main categories of Planning Tools, Sources of Data, and General Sources. Each of these 3 categories is broken down into subcategories and detail lists under the navy blue headings. While Northern Illinois SCORE has made every effort to insure the accuracy of this list, we can not be responsible for changes in the URLs or the content on these references.
Planning and analysis templates in Excel, PDF, or Word format to help you analyze specific areas of your business start-up or growth venture.
The selection of a business entity (form) will affect your exposure to personal liability, how you draw profits and pay taxes, your ability to raise capital, how you run your business, and how difficult it is for business reporting.
Generally, all businesses fall into one of these broad categories: Sole Proprietorship, Partnership, Limited Liability Corporation, or Corporation.
A sole proprietorship is an unincorporated business owned by one individual. A partnership is a legal entity existing between two or more persons who join to carry on a trade or business.
If financial problems have overwhelmed your finances, Bankruptcy may be an option. Read some of the basics here.
http:// http://www.nhbar.org/for-the-public/bankruptypamphlet.asp
A list of suggested service providers for SCORE Clients
Data sources of marketing and demographic data for client use, primarily for Business Plans


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Hey guys im new to this forum and was looking for more enlightenment on this stack. i was a college baseball player up until i fractured my hand 2 years ago during practice i play ball for UM but anyhow thats besides the point. i've been on gear before taking test e and deca during season its been about 2 and a half years since ive been on and now im planning on jumping on test e and equipoise. i need some guidance here i already have the gear 2 bottles of test e and 2 bottles of eq. im 6 ft 217lbs between 17-20% bf. my goal is to cut down to 10-13% and go lean.
ive been reading a lot of threads of what dosages and what not to take so ive come to a conclusion of going 12-14 weeks on eq at 450mg and the same for test e at 550mg. what do yall think?
also believe it or not my first time using gear 2 years ago the only "pct" i took was the over the counter novadex-xt actually worked well i had nothing wrong with me and everything was completely normal during my dr checkups. but this time i want to do it right.
give me some feedback on what to take during and after my cycle please. someone shoot me some feedback.


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I think my Single HD 5870 is slowly starting to struggle to run BF3 on Ultra with no msaa. What would a solution be to increase the performance by around 30%-50% and not paying no more than £250-£300. Xfire? New Card? Tri-Fire? OC'ing? Thanks
AMD Phenom II x4 970 @4.0ghz (Cooled with H70) MB: GA-990XA-UD3 2x4gb Vengence ddr3 (Oc'ed somewhere between 1600-1900mhz) XFX HD 5870 @900/1300 120gb Corsair SSD 700w PSU
A 2nd 5870 will help and possiblly be the cheapest option but your PSU may not handle it. Otherwise, grab a GTX 570, HD 6950/6970. The rest of your system is fine.
So would another HD5870 be the best choice for performance? I found a nice 900w psu with 4x6-pin power connectors for gpus.
1920x1080 22inch im looking for a solid 60fps maybe with msaa if possible. Ive seen HD5870 New on ebay for around the £140 mark, the psu is £60.
What is the brand/model of your current PSU and the ebay PSU? Provide a link if you can. I'm thinking you would be better off with a HD 6950 or the 570. This looks to be a good deal: http://www.overclockers.co.uk/showproduct.php?prodid=GX-123-MS (Granted I have no idea about prices in the UK)
The new PSU Xenta 800W PSU 13.5cm Fan | Ebuyer.com Whatever the GPU upgrade im buying a new PSU the one i have at the moment was bought in a retail park near where i live because my old one exploded.
Be careful with the PSUs. First exploded, second bought from retail park and now this XEnta which I never heard of.
This looks to be a good deal: http://www.overclockers.co.uk/showproduct.php?prodid=GX-123-MS (Granted I have no idea about prices in the UK)[/QUOTE] That cards spec looks brilliant, i think bf3 need the 2gb of vram, i suppose that would out perform a hd5870 in xfire oc'ed to 900/1300?
I know bit of a dodgy history, it has the 80plus efficiency which i have read is something to look for, am i right?
I don't think it will outperform the 2 x 5870 but close. Same goes for the GTX570, NV handles better the BF3 MSAA but you will not get with either cards 4MSAA vsync on 60 FPS all the time.
Just a suggestion but you might be better off with a 6950 2GB Twin Frozr III with Dual Bios switch and overclocking it/attempting to unlock the shaders, it will easily go past 6970 clocks and it would save you a bit of money if you want a better psu.
I sometimes play gta but that is so badly ported i wont bother considering it, in te details of that card you recommended it says a 6-pin (which can be done via molex adaptor) can the 8-pin power connector be done via molex?
Hey, there's 2 games there! Deus Ex also, great game. Would be good to list some specs of your current PSU.
The better PSU isnt a must, i am into overclocking and in the hd 6970 it says it has a potential of 1000+mhz core and more processing core, but looking at the reviews it says it comes with £80 worth of games and its cheaper than some gpus same model without games, it would be rude not to use that to my advantage.
True True if you end up getting it you will certainly have as much power as you need especially when overclocking.
Thanks for your input i need as much help as possible, am i right you have a 6950 with a mem clock of 1420! thats amazing do you think that 6970 could reach the specs you oc'ed to and may beyond?
It depends my Twin Frozr II 6950's OC Edition have a stock voltage of 1.2v which is higher than that of standard 6950's and its what I am currently using for my overclock so I have not even started to push the voltage to improve my overclocking yet. If the 6970 Twin Frozr III has an increased stock voltage then it should easily reach the same clocks and probably 1000/1500 without much trouble as well.
I'm right in thinking if i wanted to really push it i could increase the voltage?, i think i have my eyes set on the HD6970 2048MB Twin Frozr III, im just waiting on my question about the 8-pin power adaptor via molex so i didnt have to replace my PSU.


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This is madness! You have to protect your mushroom fields from the hungry beasts by using all the various weapons.
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The property consists of 69 hectars of open ground: 48 are vineyards, 30 of which are under the Bolgheri DOC. The planted varieties are Merlot, Cabernet Franc and Cabernet Sauvignon, which are used to produce Lagone and Sor Ugo. In the cellar situated in Castagneto Carducci there are 2000 barriques.
The Morellino di Scansano is produced in the estate of Magliano in Toscana (Grosseto) which consists of 10 hectares planted with Sangiovese and Merlot grape varieties.
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This has got to be the fastest and easiest way to slipcover a pillows.
Whenever we get new pillows, I like to keep them looking new and crisp for as long as possible and that means no napping on the new pillows. Our old pillows no longer go with the new décor, so I made simple slipcovers for them and they become the napping pillows. You could use this method to change out your pillows for the season or when you want a new look without buying new pillows.
There's a little sewing but it's only two shorts seams.
Place the pillow on a piece of fabric with enough fabric on the edge to make a nice seam. I can't say how much fabric, it depends on the size of your pillow.
Bring one side of fabric over pillow and fold back an edge of at least 1".
Do the same on the other side. Since I don't sew this folded over part I like to leave a decent amount of fabric. Make sure to place the folds over each other. You don't want a big gap here.
The pillow should look like this now.
Before you take out the pillow, mark where you will sew the edges on both sides. It can be as tight or lose as you like. After you sew, you may want to trim the edges to get rid of excess fabric and then turn right side out.
Here you can see where the sewn edges are and how the folds look when it's finished. Now you can stuff in your pillow. That's it! You can stop here or add an edge.
If you make the slipcovers loose, you could sew all the way around the edge, (take out the pillow first) for a little nicer look like the blue ones in the picture below. . I chose not to do that this time.
The middle pillows are the slipcovered pillows. Now we have napping pillows with covers that come off easily for washing. My husband likes to nap here in the afternoon, so man head smelly pillows no more!
I've made pillows covers this way for the European style pillows on our bed. The covers are easy on and easy off and easy to keep clean.
I love the look of lots of comfy pillows but want them fresh smelling and clean. How do you keep your pillows nice and fresh?
Linked up at, Creative Me at The Southern Institute, Inspire Me Monday, Tutorials and Tips at Home stories A to Z
Thanks for visiting! Debbie (((xx)))


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Events in CUSPE Events during 2010
Cambridge University Science and Policy Exchange (CUSPE) is a student-run society founded in 2012 by PhD students and post docs at the University of Cambridge. The society will build on the success of the CONNECTIONS lecture series, which brings prominent speakers to the University to discuss current topics in the research world which intersect with key policy issues.
Evidence based policy making – how can government be an intelligent user of science?
How can government be an intelligent user of science? Dr Parker will argue for a fundamental change in the way in which Whitehall and Westminster approach evidence-based policy making.


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The Office of Sponsored Programs (OSP) is responsible for encouraging externally funded initiatives in support of program-related activities of academic, research and development, and administrative units; and serves as the major resource to faculty and staff who wish to pursue such projects. The Office maintains information on, and promotes awareness of, funding opportunities, assists in refining project ideas and matching them with a potential sponsor's priorities and requirements, assists in the preparation of grant applications, and serves as the final approving authority for such applications.
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Posted October 22, 2013
We have had many USM faculty members submit and receive Whiting awards. If you are interested, please email firstname.lastname@example.com for the full set of guidelines.
Posted October 1, 2013
The U.S. Department of Education announced the awarding of more than $20.1 million to 39 colleges and universities under the Strengthening Institutions Program (SIP). SIP helps postsecondary schools expand their capacity to serve low-income students by providing funds to improve and strengthen their academic quality, institutional management and fiscal stability, as well as build a framework to help students complete college.
Posted June 14, 2013
Franco-American Voices will promote the unique character of Franco-American storytelling, and emphasize its importance in understanding Franco culture more generally.
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For all external funding submissions, whether or not USM is the actual submitter. - Financial Conflicts of Interest (Policy, Forms and Training)
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bascially i compete in a strength sport at under 181 pounds, i am 176-177 and cut, i cant really afford to gain more than 5lbs max! bascically i was think of running 60mg ED of var for 8-10 weeks.
Opinions? btw test is not an option due to weight gained, i have some 4 ad on me so i could run maintenance doses!
Support supps: 3g taurine, 5 g fishoils, AI cycle suppport, liver longer.
PCT: nolva 60/40/40/20 with novedex and diesel hardcore ( i like hard ons ) i could run clomid too but i really dont think its needed!
Basically if theres anything any of u can suggest as stacking, i love the idea of halotestin, but dont know when to run it or if its appropriate in this stack. I can get my hands on most things so anyone else any suggestions? was also thinking furazabol? but dont want joint issues, thanks alot
PS I definatly want to keep strength gains cheers P


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- Musician's Friend Best Selection, Price & Service. Guaranteed.
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Very affordable and well endowed.
The Powerpod 1860 Plus Powered Mixer is a 10-channel (8 mono mic/line, 2 stereo) live sound board with 400W per channel at 4 ohms. Channels 1-8 feature mic/line inputs, phantom power, and -18dB low-cut filters. All channels have muting, channel solo, and PFL with metering, inserts, aux level, effect level, and pan. Onboard DSP provides 16 - 32/40-bit effects with parameter control. An assignable 7-band graphic EQ provides additional control. Master section controls include faders for effects, Aux 1 and 2, mono monitor level, and summed mains L/R. Comprehensive I/O includes RCA inputs, record outputs, aux and FX sends and returns, control room, and unbalanced main L/R and mono outputs. Comes with mic, mic cable, and speaker cables.
Plenty of power and very flexible mixing—this is a very comprehensive 10-channel board for a sweet price. Order today.
Our product catalog varies by country due to manufacturer restrictions. If you change the Ship-To country, some or all of the items in your cart may not ship to the new destination.


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The University will have a new faculty award in 2005. Dr. Eric B. Dent, dean of the School of Business, and his wife Amy have agreed to create an endowment to support an annual award for an outstanding business faculty member. "The purpose of the gift is to recognize our faculty and to honor the rich tradition of outstanding scholars and dedicated teachers," Dr. Dent said. "Amy and I want to support the excellence taking place at UNCP. We are very committed to the success of this institution and its students." The award will go to a faculty member who demonstrates outstanding teaching, scholarship and service to the University and exemplary organizational citizenship behavior. The name of the award is the Peter B. Vaill Facultyship Award. It is named after a professor who exemplifies the ideals of the award, Dr. Dent said. "Dr. Vaill was instrumental in my own education, and he embodied all-around faculty excellence," he said. Dr. Vaill is currently the distinguished professor of management at Antioch University where he directs a doctoral program in leadership and change. "Although Dr. Vaill devoted much of his career to scholarly research, he never lost sight of the importance of the classroom where he is able to transfer his excitement for learning to his students," Dr. Dent said. "His prowess in the classroom, his genuine concern for students, his love of research and his flair for writing, and his out-of-the-ordinary willingness to go beyond the classroom in mentoring both students and peers make him deserving of emulation." Dr. Roger G. Brown, Provost and Chief Academic Officer added, "It is wonderful to see a member of the UNCP community give back to the University in this way. It is a great testament and commitment to UNCP and its mission." For more information about this award, please call the School of Business at 910.521.6214. For information about gifts to UNCP, please call the Office for Advancement at 910.521.6252. UNCP offers first international business certificate program Fourteen Chinese students from Taiwan's Chung Yuan Christian University (CYCU) traveled to Pembroke recently to receive an intensive two-week training program in business. As part of its continuing education mission, the Regional Center for Economic, Community and Professional Development offered its first certificate program for international students, entitled "21st Century Business: Innovation, Change and Entrepreneurship." The program encompassed 11 seminars, field trips to businesses and attendance in undergraduate or graduate business classes. It was a collaborative effort with the Offices of Outreach and International Programs and the School of Business. Business professors and administrators provided cutting-edge business techniques and perspectives. Faculty and Regional Center staff accompanied the students on field trips to businesses in the region. Some world-class business enterprises were on display, including Wal-Mart's Fayetteville distribution center, DuPont, Campbell Soup, Elkay Southern and First Health Moore Regional Hospital. "The tours of local businesses were very valuable," said Regional Center Director Sylvia Pate. "We squeezed a lot into two weeks, and they worked night and day." Regional Center Director Sylvia Pate said the program offered a unique opportunity to study international business. "It was an excellent learning opportunity and experience for the CYCU students to meet American business professors and enable them to have a better understanding of entrepreneurism in the U.S," Pate said. A survey of CYCU students gave very positive and constructive feedback. "Their comments were very, very positive," Pate said. "In all areas, we met expectations and increased their knowledge." Dr. Gary Chun-Tsung Chin, a professor in the Department of International Trade at CYCU, accompanied the students on the trip. "It was truly a joyful and life-enriching experience attending the seminar program," Dr. Chin said. "The lively classroom teaching and the eye-popping company visits enhanced our understanding of contemporary businesses and their operations." "Moreover, the UNCP faculty and staff treated us like we were family members. Now I feel a part of UNCP," he said. "The students will never forget the hospitability received from the UNCP community. All in all, the program was a big success and I enjoyed it very much!" The University is seeking many avenues for adding an international dimension to its educational offerings, and a program like this one affords students and faculty an opportunity to interact with students from another country, said Business School Dean Dr. Eric Dent. "Although the actual seminar was only for the CYCU students, they lived in a residence hall, sat in on regular classes and ate their meals in the cafeteria," he said. "There were many times when UNCP and CYCU students could get to know each other and compare their study of business." The University is not entirely new to international programs. Dr. John Parnell, the Belk Distinguished Professor of Management, taught recently in China and authored the book, "Business English," for the Chinese market. It is a primer of American business management for Chinese students. Special classroom sections of 3-4 hours included sections on:
The CYCU students stayed on campus, working on assignments outside of class. They had a field trip to Myrtle Beach, where they appraised icons of American business, such as the Hard Rock Café and Abercrombie and Fitch. A second trip was to the Carolina Civic Center in Lumberton for a performance of "Reliving the 60s." The program was also a learning experience for UNCP. "We are analyzing all aspects of the program to see where we might improve," Pate said. "Probably, the students did not get enough down time. The program may be increased to three weeks." "This was our first international certificate program and we are hopeful this will be a viable program in the future for the Regional Center and UNCP," Pate said. "We would like to make UNCP an international destination for global entrepreneurs." For more information, please contact Sylvia H. Pate, director of the Regional Center for Economic, Community and Professional Development at 910.775.4000 or firstname.lastname@example.com. Campus child care needs surveyed March 15 - 24 Students, faculty, staff and administrators will soon be asked to complete a one-page (seven questions) survey to determine their interest in establishing a University child-care center. The survey will be available in paper form and online at the University's website, between March 15 - 24. Members of the Student Government Association will be on hand in the University Center to distribute paper surveys and to collect completed surveys during the first three days of the survey period on March 15 - 17. Paper surveys may also be completed in the library, and faculty will be asked to distribute paper copies to their classes. The survey is to determine whether the perceived need warrants a rigorous investigation into the cost of establishing a University child-care facility. The survey will inquire as to how many of the respondents' children require supervised care and the cost that is associated with their supervised care. It will also ask the respondents during which hours and days of the week their children require supervision. People who do not have children are welcome to respond to the survey, particularly if they are familiar with the child-care issues of fellow members of the University. The survey was written and approved by an ad hoc committee of the Faculty Senate's Student Affairs and Campus Life Subcommittee. Grants awarded to UNCP, faculty, staff


text: Unlocking IP 2009 Conference - National and global dimensions of the copyright public domain 16-17 April 2009 - UNSW Sydney UNSW's Cyberspace Law and Policy Centre invites you to register now for an international conference from the 'Unlocking IP' ARC research project, which investigates how Australia's digital commons, both the public domain and public rights created by open content and open software licensing, can be expanded and protected. It focuses on 'self help' actions within the existing statutory context, in Australia's distinct legal and cultural context, and on comprehensiveness - we offer preliminary results from the first survey of Australia's digital commons, with data from National Library of Australia. The conference includes reports and case studies from the front line, where new models for sharing and trading intellectual property meet the reality of business, government and educational demands, new technological opportunities and lessons learned from implementation of licences like Creative Commons and Free for Education. Book publishing under hybrid business models at Sydney University Press, online user generated content using Wikimedia, and international initiatives like the US 'Reboot.gov' and China's IP abuse rule are featured, alongside detailed analysis of emerging legal and policy directions. A highlight of the conference will be the launch of the 2009 Consumers International IP Watch List. Arising from the CI Access to Knowledge project, the list identifies countries whose IP policies and practices are harmful to consumers. It is used as a counterbalance to the United States' "Special 301" Report, which is an annual report highlighting countries that supposedly do not provide strong enough protection for the interests of US intellectual property owners. The venue is Law Faculty of UNSW, Kensington Sydney, close to beaches, parks and Sydney CBD. For details of speakers and the program: <http://cyberlawcentre.org/unlocking-ip/2009/program.htm>http://cyberlawcentre.org/unlocking-ip/2009/program.htm Register at: <http://cyberlawcentre.org/unlocking-ip/2009/registration.htm>http://cyberlawcentre.org/unlocking-ip/2009/registration.htm -- Roger Clarke http://www.rogerclarke.com/ Xamax Consultancy Pty Ltd 78 Sidaway St, Chapman ACT 2611 AUSTRALIA Tel: +61 2 6288 1472, and 6288 6916 mailto:Roger.Clarke at xamax.com.au http://www.xamax.com.au/ Visiting Professor in Info Science & Eng Australian National University Visiting Professor in the eCommerce Program University of Hong Kong Visiting Professor in the Cyberspace Law & Policy Centre Uni of NSW


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Panorama-Foto von: Carlos Ernesto Guadarrama Muñoz Fotografiert: 15:51, 25/07/2011 - Views |
Imprenta |
Global Turistica offers flights for the film industry. They helped us shooting a project with the Pan...
Actually one of the branchs of the Mexico City University, UACM, The "Casa Talavera" is located at th...
North America includes Mexico, the United States, Canada, and Gotham City.
The region temporarily existed as a Protectorate of His Imperial Majesty Emperor Norton I, with its capital being the city of San Francisco. Sadly, this term of benevolent ebullience lasted a brief two decades and ended c. 1880.
The United States is now the dominant country of North America. It arose as a nation only 225 years ago after a successful rebellion against the British government under King George III.
From a distance, it appears that the eastern coastlines of North and South America fit exactly into the west coast of Africa. In fact, about 250 million years ago these continents really were all connected in one land mass that we have named Pangaea.
With such a foundation in tectonic unity, there is no doubt that someday soon the people on every continent of earth will realize their fundamental similarities. Expect massive leaps in creative output in your area!
Text by Steve Smith.


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Adult students - Tier 4 (General)
Applying from inside the UK
This page explains how you should apply for permission to remain in the UK under Tier 4 (General) of the points-based system, if you are currently:
- in the UK as a student under Tier 4, and you want to extend your stay in this category so that you can continue your studies here; or
- in the UK under a different immigration category, and you want to become an adult student here under Tier 4 (General). Depending on your current immigration category, you may or may not be able to 'switch' into Tier 4 (General) - see 'More information' below.
If you are a student completing a PhD at a UK higher education institute you can apply to stay in the UK for a further 12 months after your course completion date. For further information see 'more information' below.
Before you apply, you should read the Can you apply? pages to find out whether you are likely to score enough points to make a successful application.
The When to apply page explains when you should submit your application to us.
The Where to apply page explains how to submit your application by post, by courier or in person.
How to apply
If you think you are eligible to apply, you can access the application form, help text and policy guidance from the right side of this page. You must read the policy guidance before you make your application. The 'print and send' form enables to you complete your application, pay and book an appointment online (if required). You must then print your application form.
There are 2 exceptions where you will need to apply by hand on the paper application form. You must apply by hand if you:
- want to use the Super Premium Service; or
- are applying with 10 dependants or more.
If you want to use the Super Premium Service you should call the mobile coordinators on 020 8196 3893.
If you are applying with more than 10 dependants you can request a paper form by emailing: firstname.lastname@example.com.
You will then need to:
- use our standard service to post your application form and supporting documents, and then enrol your biometric information; or
- use our premium service to enrol your biometric information and submit your application form and supporting documents in person at one of our public enquiry offices, and (in most cases) get a decision about your application on the same day. For more information, see the Applying in person section.
As part of your application, you will need to enrol your fingerprints and facial photograph (known as 'biometric information') with us in order to obtain a biometric residence permit. The Biometric information page explains how to do this.
There are special application requirements if you are currently in the Channel Islands or the Isle of Man - see 'More information' below.
More information
Can you switch into the Tier 4 (General) student category?
You can switch into Tier 4 (General) without leaving the UK if you have, or were last given, permission to stay in one of the following categories:
- Tier 1 (Post-study work)
- Tier 2 (General)
- Tier 2 (Intra company transfer)
- Tier 2 (Minister of religion)
- Tier 4 (Child)
- prospective student
- student (under the rules in place before 31 March 2009)
- student re-sitting an examination
- student nurse
- students writing up a thesis
- student union sabbatical officer
- work permit holder
- postgraduate doctor or dentist
- Science and Engineering Graduates Scheme
- International Graduates Scheme
- Fresh Talent: Working in Scotland Scheme
If you are currently in the UK in any other immigration category, you must leave the UK and apply for a Tier 4 (General) visa from your country of residence.
Applying for a student visa if you are in the Channel Islands or the Isle of Man
The Channel Islands (Jersey, Guernsey, Herm, Sark, and Alderney) and the Isle of Man have their own immigration laws and policies. For immigration control, we consider that these islands are outside the UK.
If you are living in the Channel Islands or the Isle of Man, and the island authorities have given you permission to enter or stay there (also known as 'entry clearance' or 'leave to remain'), you cannot apply directly from the island for permission to enter the UK.
To apply for permission to enter the UK, you have 2 options:
- you can return to the country where you are normally resident (your 'home country') and apply from there for a visa to enter the UK; or
- if your permission to come or stay on the island is still current, and your immigration category on the island is one that UK immigration law allows you to switch from, you can come directly to the UK. When you have arrived here, you can apply for permission to remain as a Tier 4 student - this is because we will be able to treat your current permission under the island laws as if it had been given by the UK authorities. You must make your application to switch before your current permission to stay on the island expires.To find out whether you can switch from your current immigration category, see 'Can I switch?' below.
Some foreign nationals must apply for a visa before they come to the UK from one of these islands. For more information, see section 2 of our Immigration directorate instructions, Chapter 1.
Can I apply for the Doctorate extension scheme for PhD students?
If you are a student completing a PhD at a UK higher education institute you can apply to stay in the UK for a further 12 months after your course completion date.
This applies to Tier 4 PhD students who start after April 2013 and to those already in the route, but who have not completed there studies by April 2013.
If you do want to apply for the Doctorate extension scheme you will need a new confirmation of acceptance for studies (CAS) from your Tier 4 sponsor. You must apply no more than 60 days before your course completion date on your CAS. If you are given permission to stay under the Doctorate extension scheme you will have full unrestricted work rights, except for some limited professions such as doctors or dentists in training or sportspersons (including coaches). You will be able to work without restrictions once your Tier 4 sponsor has confirmed that you have finished your PhD.
Your Tier 4 conditions apply while you are studying.
Application forms
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See also
Do it online
Terms explained
Approved education provider
An education provider that is approved by us and has been given a licence to bring both students to the United Kingdom under tier 4 of the points-based system. This can be as an adult (known as a general student) or child student categories, or both.