text:
ibm.com Community
Whistleblowing Worries On the Rise
Richard Steinberg 270004HRBG email@example.com | | Tags:  risk openpages dodd-frank grc sec whistleblowing | 0 Comments | 1,464 Visits
The SEC's final rules implementing Dodd-Frank's whistle blowing provisions failed to remove angst among compliance officers and general counsels. While there are some incentives for potential whistleblowers to first report alleged misconduct via internal reporting channels, there's no requirement to do so – and many are concerned the internal channels will be bypassed. And going outside is on the rise. It's been reported that in only seven weeks after the SEC's program began, there were 334 whistleblower filings. Compliance officer concerns are well founded – that bypassing internal channels will deprive the company of being able to investigate and fix problems before they grow, and company personnel will need to play catch up with investigations in reaction to SEC probes.
We can point to many resolved whistle blowing cases for clear evidence of the potential impact of the SEC's still relatively new program. One homeowner delinquent on her mortgage ultimately received $18 million for reporting suspected use of fraudulent documents in the bank's foreclosure process. It's said that in acting against this homeowner – an attorney and career insurance fraud investigator – the bank "picked the wrong person at the wrong time in the wrong place," but the robo-signing and other compliance failures were widespread and surfaced from a number of sources. Nonetheless, this individual was one of six whistleblowers receiving $46.5 million said to be part of the five-bank $25 billion settlement. In an unrelated case, a member of a major bank's quality control team who reportedly was displeased that the misconduct wasn't reported to regulators, decided to do so herself – ending up with a settlement of $31 million. And there are many more.
Worth noting is a recent survey that indicates more than one-third of American workers have seen misconduct on the job. While many instances of misconduct have been reported through internal channels, it appears the vast majority have not. Why? The survey shows it's because of fear of not being able to remain anonymous, and of retaliation. Those two factors, plus the possibility of monetary reward, are reported as key factors in incentivizing internal reporting. And the survey also shows two-thirds of respondents didn't know about the SEC's program – at least not yet.
Certainly it's in a company's interest to be first to know about alleged misconduct, and compliance officers are working hard to upgrade policies, training, communications, and the internal whistleblower systems, all to encourage internal reporting. Actions to ensure anonymity, with positive responses and nothing close to retaliation, are expected to help. Some companies have begun to pay bounties for valued reports. There are indications that when employees believe their reports will be taken seriously without adverse repercussions, there's increased likelihood for internal reporting. Law firms and others have provided guidance on which companies are acting. However, it remains to be seen the extent to which the possibility of a huge, life-changing payday by the SEC will be too much to resist. Time will tell.
What Makes Risk Management Work – or Not
Richard Steinberg 270004HRBG firstname.lastname@example.com | | Tags:  grc risk_management | 0 Comments | 1,303 Visits
We know that MF Global, the firm run by Jon S. Corzine, recently imploded under the weight of bad bets and huge leverage. Reports say that Corzine, former U.S. Senator, Governor of New Jersey, and co-head of Goldman Sachs, did at MF Global what he did at GS – and that's take large risks in trading. How, one could ask, could it have turned out so wrong?
Effective risk management processes have at their core identifying, analyzing and managing risks. It will be a while before we know all the details of MF Global's risk management process, but it appears to have worked reasonably well. Wait, what – is that a misprint? Probably not.
Based on reports, Corzine knew the risks he was taking. Basically, he bet that the European leaders would act in a way to alleviate the sovereign debt crisis. He put over $6 billion of the firm's money at risk, which with the associated leverage put the firm's existence at risk. And the firm's risk officers also knew, and they seemed to have done what they were supposed to – they brought the matter to the board of directors. Reports say a senior risk officer described the situation and the risks to the board, with Corzine present. The risk officer pointed out not only the nature and size of the risks, but also that risks included both potential defaults on the sovereign debt and the bonds losing sufficient value to cause a liquidity crisis at the firm. The directors listened, and decided to approve what Corzine was doing.
Now, we weren't in the room with the directors, or inside their heads, so we don't know whether they made a thoughtful and rational business judgment, or whether they rolled over under Corzine's undue influence. If the latter, then they failed in their job. But if the former, then they determined that they and the firm had a risk appetite large enough to "bet the ranch."
So, whether this is a failure of risk management will be decided as the investigations continue and more facts emerge. And of course the missing "segregated" client funds is another matter, likely centered on specific internal controls over that money and what control activities might have been overridden by more senior executives. Also at issue is whether regulators did their job effectively. It will be interesting, indeed, to learn more, as no doubt we will as the investigations unfold.
Vision 2012, 1068 Managing IT Risk and Compliance with IBM OpenPages ITG
Erwin Boeren 270002C43V firstname.lastname@example.com | | Tags:  itg and 1068 governance with vision management compliance managing openpages it cloud grc risk ibm 2012 | 0 Comments | 4,181 Visits
Managing IT Risk and Compliance with IBM OpenPages ITG (Track 1068)
At IBM Vision 2012, Tuesday May 15th, 1:15 – 2:15 pm I will be presenting Managing IT Risk and Compliance with IBM OpenPages IT Governance.
In this session I will take you through the results of the IBM CIO Study 2011 that was recently published and guide you through the IT Risk related subjects.
Do you want to understand how Big Data, Cloud, Regulatory Pressure, Business Continuity Management, Disaster Recovery, Identity and Access Management, Segregation of Duties, Automated Controls and Endpoint Controls will influence your GRC strategy?
This all comes together in IBM Smarter IT Governance, Risk and Compliance.
Hope to see you in Orlando next week!
Twitter : #Vision12
Blog post by Erwin Boeren
Senior Governance, Risk & Compliance specialist IBM
Twitter : http
LinkedIn : http
Solvency II and the need for Operational Risk
Erwin Boeren 270002C43V email@example.com | | Tags:  risk operational grc compliance ibm openpages solvency governance | 0 Comments | 1,909 Visits
Solvency II and the need for Operational Risk
Blog post from Erwin Boeren, Governance Risk &
Blog post from Erwin Boeren, Governance Risk &
Smarter Project Risk
Erwin Boeren 270002C43V firstname.lastname@example.com | | Tags:  compliance grc governance manufacturing smarter energy&utilities openpages risk enterprise deloitte project | 0 Comments | 2,102 Visits
Smarter Project Risk
Last week I came across project risk, and not for the first time! So, time to spend some words on this topic.
Especially organizations in Energy&Utilities and Manufacturing have huge risks in their assets and in their projects. You think you have all risks identified through the standard risk identification process and you just missed that elephant?! This might impact your yearly financial result or worse!
This is why more and more clients start to look at Project Risk methodologies. My client happened to use the PMBOK methodology. In this methodology you consider standard project phases including standard risks and controls. This is great, since you have most of the standard risks covered. But what about that risk that is just not standard? This is where gate reviews will help you. These gate reviews are held after every project phase. Each gate review contains questions used to identify risks, holds monitoring methodologies to check status and behavior and contains audit like activities. Key element here is that all findings roll up to top level so no significant risk can be missed.
all works for what we call manageable risks, but what about risks that you
cannot manage? How will you anticipate on this? Well these risks can be covered
by sensitivity analysis, simulations and business continuity management.
Especially sensitivity analysis and business continuity analysis will help you.
For simulations you will need data, and a significant amount of data. Only in
case you have many similar projects running in a regular cycle you will be able
to generate enough risk identifications and losses to be able to make a sensible
calculation like
Now the system is in place, and now we are in control? Wrong! This is where the real work starts. How do I get my organization to adopt risk in her daily business? How do I get input with the right quality? How do I make everyone a risk manager? This takes time and effort. Guide your people in how to make the assessments and make them part of it. Give them back where they contributed to, and make their life easier. That is what we call Smarter Risk.
IBM OpenPages and Deloitte have put together a Risk Methodology for project risk where all these technologic and organizational aspects come together and can be integrated in your enterprise risk platform.
Blog post by Erwin Boeren
Senior Governance, Risk & Compliance specialist IBM
Twitter : http
LinkedIn : http
Risk Reporting and Dashboarding now available on your desktop!
Erwin Boeren 270002C43V firstname.lastname@example.com | | Tags:  ibm solvency insight dashboarding governance grc management openpages risk reporting basel cognos ii compliance | 0 Comments | 3,283 Visits
With the brand-new IBM Cognos Insight you can now connect to your IBM OpenPages environment from your desktop. You always have that moment that you need the information on a report but just a bit different than the standard report provides to you. The solution is here now, IBM Cognos Insight!
Insight is a powerful, intuitive desktop solution, that can read many different data sources from Excel to datawarehouses. Even your real time IBM OpenPages environment!
And it is not only reporting and dashboarding but it also lets you create what if scenarios on the fly! How would my risk exposure be if in one risk category the loss impact increases with 15%? Two clicks and you know the answer! And then you can comment on your report, which gives your colleagues more information on the context the moment you share your workspace.
How easy can risk reporting be???
For more tour on how IBM Cognos Insight please look at : http
Blog post by Erwin Boeren
Senior Governance, Risk & Compliance specialist IBM
Twitter : http
LinkedIn : http
Risk Appetite at the RMA Annual Conference
John Kelly 270004J7VQ email@example.com | | Tags:  grc enterprise operational risk | 0 Comments | 2,910 Visits
This week I had the pleasure (aside from the Sunday morning flight) of attending the RMA Annual Risk Management Conference in Washington, DC. Based on the standing room only crowd (even in the second repeat session), I'd have to say one of the most popular topics was "Developing a Risk Appetite" delivered by Bill Perotti of Frost Bank and Bob Rose of Brookline Bank. The duo defined Risk Appetite as "the amount of risk you will take in pursuit of a desired financial return", which makes sense, but an effective risk appetite exercise, the presenters emphasized, really needs to be taken to the next level to reflect risk tolerance in all key areas of enterprise risk management (operational risk, credit risk, reputation risk, compliance risk, liquidity risk, sustainability, etc.).
Several examples were provided for how to develop a risk appetite statement for each of these key areas. One example included Operational risk and provided an example of how to create a risk appetite statement:
Operational Risk Appetite example:
We are committed to implementing practices and controls that will minimize financial losses from failures of systems, people and processes.
Quantitative measure examples:
Most importantly, risk appetite statements should reflect your company's mission statement and values. Benefits outlined in the session included:
Of course the direction and communication on risk appetite needs to start at the top with the board of directors and CEO and be communicated and demonstrated throughout the organization. Looking forward to more informative sessions.
Opposite Ends of the FCPA Spectrum
Richard Steinberg 270004HRBG firstname.lastname@example.com | | Tags:  morgan compliance fcpa stanley grc wal-mart openpages sec | 0 Comments | 3,492 Visits
Chief Compliance Officers, General Counsels and other business executives have long been pushing regulators to provide clarity around the FCPA and more consistent (and appropriately fair) enforcement. Well, companies finally have something reasonably definitive to look at which shows how a well-constructed compliance program implemented in good faith can have extremely positive consequences – it's the recent Morgan Stanley case, which we'll get to in a moment.
At the other end of the spectrum is the Wal-Mart fiasco. You know the story – senior Wal-Mart executives knew of millions of dollars being paid to government officials in Mexico to aid expansion in that country, but shut down an investigation. The Justice Department and Securities and Exchange Commission are all over this, and things will not go well for the company. The last thing the DOJ or SEC looks favorably on is executives not reporting a suspected or known violation, and not conducting a full and comprehensive internal investigation. Now proxy advisory firms ISS and Glass Lewis, as well as major public pension funds, are recommending that Wal-Mart shareholders vote against members of the board of directors for neglecting their responsibilities. And there are indications the bribery might extend beyond the Mexican subsidiary. The stock price has taken a hit, the company faces potentially huge fines, executives could wind up in prison, and investors are suing. As is often the case, it's not so much the bad action, but the cover-up. And it's also whether the system, here the compliance process, was well designed, implemented and maintained.
Now to Morgan Stanley. The DOJ and SEC have long said that in enforcement actions they give credit to companies for already having a good compliance system in place, but we've seen little direct evidence of that. But now we have a game changer. The problems at Morgan Stanley reportedly arose when Garth Peterson, a managing director, successfully pushed for the firm to sell a real estate interest to a Chinese state-owned company, but it turned out to be a shell company in which Peterson had a direct interest, with related cash payments to himself and a Chinese official. Peterson pleaded guilty, facing a potential six-figure fine and five years in prison. But what happened to Morgan Stanley, or didn't, is the real story here. The DOJ and SEC decided not to bring an enforcement action against the company. The reason – Morgan Stanley has had a strong compliance system, including relevant internal controls. It regularly updated controls to reflect risks of misconduct, and provided extensive training to its personnel, compliance reminders, annual confirmations by personnel, and continuous monitoring. And, when evidence of misconduct surfaced, the firm immediately began and conducted a thorough investigation.
So, there we have two well-known brand-name companies, one of which is likely to pay a high price, the other none at all and whose reputation is enhanced. The message now is clearer than ever. Engage in a cover-up, and deal with forceful regulators and angry shareholders. Have an effective compliance system and do the right thing, and the regulators and others will indeed look favorably upon the company.
O papel dos profissionais de TI para GRC
Osvaldo Jose Oliveira Menezes Rellegus TI 270004D4A7 firstname.lastname@example.com | | Tags:  grc isaca governança ojomenezes | 0 Comments | 2,729 Visits
Coloquemos neste espaço o papel dos profissionais de TI na atuação de GRC.
Podemos dizer que o GRC é recente (2005), e assim sendo, ainda há uma lacuna grande entre os estrategistas de negócio e a área de TI.
Uma coisa fica claro, com o GRC consegue-se administrar muito melhor os investimentos e os retornos sobre os investimentos em TI.
O trabalho para customização do CobiT junto ao Planejamento Estratégico é extenso.
Prezados colaboradores, vamos post
Osvaldo Menezes
Not Going to IBM Vision 2012? Better "Think Twice."
Timothy Powers 270003F3FN firstname.lastname@example.com | | Tags:  xbrl predictive-analytics governance decision-management risk grc business-analytics performance-management fraud compliance openpages clarity cognos analytics | 0 Comments | 4,288 Visits
Do you really understand the reasons you make decisions?
Sometimes the mind wants to unconsciously push us into a certain decision when there's a better way to think about it.
That's the premise of the book, Think Twice: Harnessing the Power of Counterintuition, written by Michael Mauboussin, Chief Investment Strategist at Legg Mason Capital Management and a keynote speaker at IBM's upcoming Vision 2012 conference in Orlando, May 14-17.
Vision is IBM's global conference for finance and risk professionals to help improve planning, budgeting and forecasting, identify and mitigate risk, and meet the demanding requirements of XBRL, IFRS, Basel II and Solvency II with greater confidence.
I talked to Mauboussin about his book, making data-driven decisions, some common pitfalls as decision makers, and his upcoming talk at Vision.
"What's very exciting is that in the last half dozen years, we've had a real influx of data, and we're now just learning how to tap that data for the benefit of better decision making," said Mauboussin. "Now we can create a better intersection between value creation and making decisions."
The problem however, according to Mauboussin, is that we still have the same cognitive makeup and the propensity to make common mistakes.
"We often think about our own decision making as being objective and fact based and rationale. And we tend to underestimate systematically how important the social context is for our decision making," said Mauboussin.
To illustrate this point he told an interesting story from his book.
Researchers went into the wine section of a supermarket and set up French and German wines next to each other that were roughly matched in price and quality. Over a two week period they alternated playing distinctively French and distinctively German music to see if it would have any influence on purchase decisions.
Surprisingly, they found when French music played people bought French wine 77 percent of the time, and German wine 73 percent of the time when German music played. When asked if music affected their selections, the consumers unanimously said no.
"This basic experiment can be extrapolated to a lot of organizational settings where we think of ourselves as trying to be conscious and mindful as we make decisions. But indeed what is going on around us can be deeply influential to our decisions," said Mauboussin.
So what do we do?
According to Mauboussin, integrate more data into quality decisions. However, there is still a tension between the intuitive, go by the seat of the pants experience group versus the analytically-minded group.
"Either extreme is not going to work but a blend between the two is right way," said Mauboussin.
Read the rest of the interview with Michael Mauboussin on the Business Analytics Blog here.
For more information:
· Register here for the upcoming Vision 2012 conference
· Download the Vision conference guide for background on keynotes, elective sessions, demos & workshops
· Read a previous blog post on minimizing risk and improving performance
Looking back at a great IBM Vision 2012, Orlando FL
Erwin Boeren 270002C43V firstname.lastname@example.com | | Tags:  risk 2012 openpages governance grc basel solvency ibm vision | 0 Comments | 3,704 Visits
Looking back at a great Vision 2012,
Vision 2012 was a great event with many customers speaking, partners and market analysts.
Customer Advisory Board
The IBM Customer Advisory Board came together in Monday, the day before the event officially kicked off to discuss the IBM Integrated Risk roadmap and to prioritize future development initiatives.
Keynotes were presented by Les Rechan (General Manager IBM Business Analytics), Mark Loughridge (CFO IBM) and Alison Levine.
Les opened with an energy level high as always! Mark gave a great insight in the financial transformation IBM has gone through and the road ahead. Alison delivered a key note where the whole room hung on her every word. Astonishing how Alison can present and what an inspiring lady she is.
this is available in recordings on : http
OpenPages version 6.1 released
At the risk keynote on day 1 by Patrick O'brien and Gordon Burnes the new version 6.1 of OpenPages was released. New features can be found on the IBM OpenPages 6.1 landing page :
A new leader for the IBM Risk Analytics pillar
Michael Zerbs has been appointed as the new leader to run the IBM Risk Analytics organization. Michael was the President and COO of Algorithmics. He is a recognized expert in risk management for market and credit risk, and has an in-depth understanding of the key risk management challenges that the financial industry faces today. He has authored several papers on pricing models and risk management and is a co-author of Mark-to-Future: A Framework for Measuring Risk and Rewad.
Market Analysts impressed by IBM Risk Portfolio
analysts could be found in
Operational risk is still strong as ever but Policy & Compliance management, IT Risk & Governance and Audit capabilities have grown to such maturity level that IBM is top in Risk Analytics.
Customers are expanding on their GRC Environment
Clients speaking at the 2 main event days were all expanding their platform to multi discipline risk. Especially risk convergence, standardization, enterprise risk management, IT Risk & Compliance and Fraud & Financial Crimes were topics that came across many times.
IBM implemented OpenPages
IBM has implemented OpenPages herself, and demonstrated that at day 2. Deborah Dunagan, IBM Transformation Executive demonstrated how IBM reduced her risk cycle times with 30% using IBM OpenPages!
With all this excitement we are looking forward to another great year and client success in Risk Analytics.
Blog post by Erwin Boeren
Senior Governance, Risk & Compliance specialist IBM
Twitter : http
LinkedIn : http
Independent researchers positive on IBM's approach to Risk Management
Erwin Boeren 270002C43V email@example.com | | Tags:  openpages research grc algorithmics enterprise ibm management risk | 1 Comments | 2,795 Visits
In the last 2 months three independent researchers have given their opinion on IBM's approach to risk management. All 3 are very positive towards the areas of Innovation, Market Presence, Functionality and Enterprise GRC capabilities.
Forrester in the Forresterwave EGRC 2011: The OpenPages platform remains one of the most consistently strong enterprise GRC platforms on the market today. The company's vision is to enable senior management to make strategic risk and reward decisions to improve business performance and reduce exposure to risks and loss on investments. The OpenPages platform's GRC management and analytics features are just one example of where this mission will play out."
Gartner in its September update: The OpenPages platform has solid capabilities in all the core functions, has above-average support for ERM and ORM, and is rated very high on financial reporting integrity compliance. It continues to execute consistently on a well-planned road map."
Chartis published its Risk Top 100 last November with IBM ranked the No.1 vendor in the area of Risk Management. With special rewards for Functionality, Market Presence, Innovation, Fund & Asset Management, Market Risk, Operational Risk and Enterprise GRC.
In the Chartis RiskTech 100 IBM was measured for the first time along the qualitative and quantitative risk capabilities (read the acquisitions of OpenPages and Algorithmics). In the Gartner and Forrester publications the latest Algorithmics acquisition was not taken into account.
Interesting enough researchers praise IBM for immediately adding value to its acquisitions. One year ago IBM was ranked number 7 in the RiskTech 100 and now IBM is on top of the list. Not because the individual products are that good but because the minimal overlap and immediate integrations create added value for customers.
Adding Risk to the area of Business Analytics (Business Analytics is one of the 4 key initiatives of IBM towards 2015, driven by our new CEO Gini Rometty) is a great step into Smarter Risk. Capabilities like predictive intelligence, driver based planning, regulatory reporting, scenario testing, forecasting, dashboarding, scorecarding, reporting and analysis will give a great boost if you apply this to risk. This is where the convergence of performance management and risk management create great value for our customers.>
Blog post from Erwin Boeren, Governance Risk & Compliance Leader IBM Europe
Impact of Big Data, Cloud, Mobile and Regulatory Pressure on your IT Risk and Governance Model
Erwin Boeren 270002C43V email@example.com | | Tags:  value solvency cio risk ibv insurance openpages of institute ibm it business governance basel bank grc compliance | 0 Comments | 3,843 Visits
Impact of Big Data, Cloud, Mobile
and Regulatory Pressure on your IT Risk and Governance Model.
This 30% decrease was established by optimizing and
automating the risk process, end users are now able to complete the whole risk
cycle in one platform with risk identification, risk assessment, risk
management, risk reporting (real time!) and risk monitoring.
2. Customer decreased their manual IT control test
effort with 140 hours per week only for Segregation of Duties and access
management. This was done by automating control tests.
Blog post by Erwin Boeren
Senior Governance, Risk & Compliance specialist IBM Europe
Twitter : http
LinkedIn : http
IBM Watson found a job as a risk expert!
Erwin Boeren 270002C43V email@example.com | | Tags:  watson erwin risk governance grc compliance management ii business analytics solvency ibm boeren basel | 0 Comments | 2,227 Visits
IBM Watson found a job as a risk expert!
IBM Watson goes to work in financial services as a risk expert. One of the largest Financial Services institutes and IBM now partner to enhance and simplify the consumer banking experience with faster, more accurate decisions, better risk assessment, and more targeted customer offers.
IBM Watson is transforming expectations for how technology can help individuals live and work in better ways. Its ability to make sense of vast quantities of unstructured information, communicate in natural human language, learn from experience, and offer confidence weighted responses is already a game changer in healthcare. Focusing these capabilities on financial services brings new possibilities for higher service levels to an expanded set of users.
For those who do
not know IBM Watson, Watson is an artificial intelligence computer system
capable of answering questions posed in natural language, developed in IBM's
DeepQA project. As a test of its abilities, Watson competed on the quiz show
Jeopardy!, in the show's only huma
Now what will that bring to our Financial Service clients? Potentially as an assistant to client service professionals to help deliver evidence-based recommendations across multiple areas of the bank, including: credit card; private banking; wealth management; and call centers. Since IBM Watson can think faster than any human being it is able to make cross checks, prevent fraud, determine risk, etc. It is able to analyze data such as client information, online news reports, blogs, Twitter feeds, analyst reports, regulations, credit ratings, and government securities filings which can help to suggest options targeted to a consumers' individual circumstances.
Blog post by Erwin Boeren
Senior Governance, Risk & Compliance specialist IBM
IBM Enhances Risk-Aware Decision Making & Policy Management with New OpenPages Platform Release
Timothy Powers 270003F3FN firstname.lastname@example.com | | Tags:  frank-dodd risk grc business-analytics cognos fraud performance-management compliance openpages analytics governance risk-analytics | 0 Comments | 3,619 Visits
By Gordon Burnes, Worldwide Marketing, IBM Risk Analytics
A key theme at Vision 2012, IBM's three-day user conference for Finance and Risk professionals, is how organizations can leverage enterprise risk information to make better decisions while balancing the demands for risk oversight and regulatory compliance.
The current complex and dynamic regulatory environment is a particular challenge for risk and compliance directors. For instance, while organizations covered by Dodd-Frank must respond to current regulatory reporting requirements, less than a third of the associated rule-making has been finished.
So, risk and compliance professionals must put in place an approach to meet regulatory requirements that can easily adapt over time as regulations evolve, and this approach includes the capability to adapt internal policies to keep pace with the evolving regulatory environment.
During the Risk Analytics Keynote, IBM announced general availability of IBM OpenPages GRC Platform 6.1.
This new solution enhances the ability to make risk-aware business decisions, enables companies to react more quickly to regulatory changes through better policy management, and decreases costs and complexity of compliance.
Leveraging the IBM Cognos business intelligence platform, OpenPages 6.1 delivers interactive reports and dashboards that allow business managers to turn that risk information into insight and insight into better business outcomes.
The new release includes several important enhancements:
· Manages lifecycle of policies from creation, review, approval, attestation, and exception management
· Standardizes policy templates and approval processes across the business
· Allows policies to be structured in a standardized way but presented in narrative form (for editing and review, etc) the way people are used to working with policies
· Formalizes process for employee awareness and training and monitoring of campaigns
· Maps policies to regulatory library and control framework to increase visibility into policy coverage & adherence and make it easier to update policies as regulations change
· Enhanced reporting user interface and framework that empowers business users to explore and analyze risk data using interactive dashboards and reporting for better decision making
In summary, IBM OpenPages 6.1:
· Enables companies to react more quickly to regulatory changes through better policy management
· Enhances the ability to make risk-aware business decisions through easier access to risk and compliance information
· Decreases the cost and complexity of compliance with out-of-the-box configurations for policy management.
For more information:
· Read the Vision 2012 Day One Recap
· Read the blog post from Michael Zerbs, VP of IBM Risk Analytics, "Managing Risk: A Global Challenge that Must be Confronted"
· Download the whitepaper, "Managing Regulatory Change - Learn how Dodd-Frank Impacts Regulatory Compliance"
· Follow @IBMRisk & @IBMCognos on Twitter and/or search #Vision12
For more information:
· Read the Vision 2012 Day One Recap
· Read the blog post from Michael Zerbs, VP of IBM Risk Analytics, "Managing Risk: A Global Challenge that Must be Confronted"
· Download the whitepaper, "Managing Regulatory Change - Learn how Dodd-Frank Impacts Regulatory Compliance"
· Follow @IBMRisk & @IBMCognos on Twitter and/or search #Vision12


text:
A few weeks ago, on the eve of the arrival of Hurricane Irene, I wrote about the dramatic build-up to what was predicted to be New York's worst natural disaster ever. By the time Irene hit where I live in Brooklyn, she was only a tropical storm. At 2am, at its height, I didn't even hear the rains over the sound of the air-conditioning. At 11am, it was clear enough to go running in Prospect Park, and I only saw a few trees felled by the winds.
By the evening, most of my New Yorker friends agreed that Irene was like an Italian lover — all show and no performance.
But this week, I drove two hours out of the city, heading north, to my girlfriend's cabin in the Catskills and saw the true extent of the damage that Mother Nature can wreak.
Even two weeks after Irene, the rivers in West Shokan were angry and swollen, a dark red from the ferrous mud still roaring down from the mountains.
Mighty cedars, centuries in the making, were downed like dead soldiers on a Somme battlefield. The Boiceville doctor's office had been totally destroyed. The supermarket where we stopped to buy food had been submerged by three feet of water. There was a stench of mud and rotting food, as muck-stained employees swept murky water and detritus into the forecourt. A local motel, badly damaged by the waters, had a sign outside: Irene Sucks.
Nearby Blenheim Bridge, the longest single span bridge in the world, had been washed away. So had all the bridges alongside the cracked road to my friend's cabin. The tarmac itself was teetering on the edge of a newly expanded creek, and one lane had completely fallen away right after the turning to her property. Caterpillar diggers, paid for by the government disaster agency FEMA, were shoring up the remaining road with massive boulders.
My friend's woodland house was relatively intact, thanks to its position on a ridge above the water. Not so for her neighbor, a prominent civil rights activist. The river bank beside his lovely wooden house had been eroded by around 20 feet, and the foundations were now in jeopardy. An elegant wooden bench was crumpled in the water. An amphibious digger was clearing trees from the river…
… but didn't touch a tree that had fallen on his property and was hanging over the waters.
Another concerned neighbor walked by and told me that the federal government was paying for public repairs, but officials were resisting helping private citizens. The cost of bringing in rocks to strengthen the bank, and prevent the whole house from collapsing in the next flood, would be at least $100,000, and the insurance company might deny responsibility on the grounds that the storm was 'an act of God'.
A surveyor from Ulster Excavating arrived to take measurements. "It's not as bad as one house up in Oliverea," Vinny said grimly. "Its owner had just built it, and brought his family over for the weekend. They were all in the house when Irene hit. They thought they'd be fine, but the waters surrounded the whole house and then just lifted it off its foundations. It floated more than a hundred feet until it was lodged between a tree and a bridge."
"Was everyone okay?" I asked.
"The sheriffs had to bring a special hovercraft to rescue them, but yes, they all survived."
Not so lucky was Rozalia Stern-Gluck, an 82-year-old Brooklyn grandmother and Holocaust survivor who drowned, when a stream overflowed and engulfed her nearby cottage. She was one of seven deaths attributed to Irene.
I wondered what would have happened if Irene had struck the area as a hurricane, rather than a tropical storm. What a relief it wasn't as bad as Katrina! Locals surely can count themselves lucky the rains are not as relentless as the ones flooding Pakistan at the moment.
Then I saw a Facebook post from Martha Frankel, a friend who lives upstream and owns a store called Fabulous Furniture: "Stop telling me what this wasn't… Here's what it was…"
Martha is lobbying New York's senators, and local councilors to secure the resources required to clear storm debris, and get local communities back on their feet. Her Facebook posts have been a litany of righteous fury: "Worst part of meeting with [New York] Senator Gillibrand's aide was when she asked which residents are in danger: no fire, ambulance etc. That would be ME!"
Electricity is still out in some areas, and many roads are still impassable. Today has seen more bad weather, and Martha posted: "RAIN is the new F-word in the town of Olive."
Having lived in drizzly Britain for most of my life I sort of know what she means – but I've never seen destruction of the extremity that she and her fellow Catskill residents have just suffered.

subset: commoncrawl


text:
Premier Reads Book Club
Submitted by Tara on August 19, 2010 - 8:32pm
Did you know that the urban myth about razor blades in Halloween candy has absolutely no truth to it? Why do urban myths like that persist and how do they get started? If you can make an idea like that stick regarding your business, your business will be successful. This is the premise for the title Made to Stick: Why Some Ideas Survive and Others Die by Chip Heath & Dan Heath.
More Premier Titles:
- Making Ideas Happen: Overcoming the Obstacles Between Vision and Reality by Scott Belsky
Helps you sort through the marvelous ideas that you or your coworkers come up with and how to take the most valuable ones from vision to reality.
- Linchpin: Are You Indispensable? by Seth Godin
Encourages you to become not only indispensable, but emotionally engaged and passionate about your work!
- Orbiting the Giant Hairball: A Corporate Fool's Guide to Surviving with Grace by Gordon MacKenzie
Helps you navigate the ins and outs of corporate culture with ease.
- The Risk Takers: 16 Women and Men Share Their Entrepreneurial Strategies for Success by Renee and Don Martin
Gives a cursory view into influential and inspirational people and their viewpoints and advice.
Business Resources
- We have many sophisticated resources, both electronic and in print, to help entrepreneurs start and grow their business. Our goal is to find numbers and statistics to give credibility to your business or marketing plan. Contact BizBoost for free small business help.
- Does your 501©3 need help with funding resources? Contact DPL's Foundation Center Coordinator via email, or by phone at 720-865-1363, to arrange a meeting to learn about the many ways the library can help, including the Foundation Directory Online and the Colorado Grants Guide Online.
- Get one-on-one assistance with the job search process. Please email email@example.com or call 720-865-1706 to schedule your one-hour appointment. Appointments available in Spanish and some other languages.
Post new comment
Locations & Hours
10 W. Fourteenth Ave. Pkwy. 80204


text:
Palazzetti wood stoves have some of the best design features, and are likely among the most ecologically friendly modern wood stoves, available in Europe and US. The Palazzetti stoves are designed to burn wood properly, using dual combustion to reduce carbon monoxide emissions to a minimum and take maximum advantage of the thermal output of the wood. These decorative modern wood stoves are offered in five distinctive lines - Classic, Contemporary, Rustic Oven/Food Warmer and Economy Kitchen. Classic wood burning stoves are built predominantly with majolica or refractory ceramic and use unfinished cement conglomerate for their bases. Larger models are capable of heating the entire house if proper ventilation is utilized. A Contemporary line wood stove is made entirely in majolica or cast iron, or from combination of majolica or cast iron with any of the following - satin finish steel, painted micro-perforated sheet metal, coloured ceramic, silk polished soapstone and drop-worked electro coloured stainless steel. Fireboxes are made entirely in extra thick cast iron. Ecological dual combustion system, hydraulic system which makes it possible to heat radiators with proper connections, easily extractable ash box, self-cleaning pyroceram resistant up to 800°C are some of the features of any given modern wood stove from the Contemporary line. The two wood burning stoves from Rustic line come with the fireboxes made entirely in 7mm thick cast iron, pyroceram doors and pull-out firewood boxes. One wood stove made with majolica woven in elegant design pattern and the other stove is clad in refractory majolica with steel structure. Many Palazzetti models also feature the turbo system which helps the heat in the exhaust fumes to be distributed to several rooms. The centrifugal fan and the recessed digital control unit are standard in these modern wood stoves.
Posted in Wood Burning Stoves & Heaters at November 13, 2007 2:27 PM
Appliancist is an online magazine about the latest Home Appliances & Home Appliance Trends. Covering High-End Luxury Kitchen & Bathroom Appliances.


text: Last thing, as much as I respect your guys decision for having the Intel "wheel" or "dial" or whatever you want to call it, it feels useless and clunky. When I bring up the dial, I'd rather have them showing me an arrow of where my teammates are on my HUD and if they die, change the arrow to a skull (kind of in a sense being tech-linked to one another). There's no reason to add a little trail to show players "this is the path to follow" which a lot of the gamers who use and see this will believe that it was created to be implemented for that purpose. Please bear in mind that with your small map choices, I won't have time to bring up a dial that covers my screen and choose "Hmm... should I follow this guy, this girl, this guy and girl or the objective?" You've upped the pace so this is one thing that should've caught someone's eye. If I really want to see what the team is up to and how everyone is moving around or where objectives are placed, I can just use the Tactical Map right when I spawn, plan my route and go on my merry way without ever using the dial. How about possibly nerfing the dial and moving the Tac Map b u t t o n to "RB" instead of the "back" b u t t o n. Other than that, nice small tweaks and I hope to see some more in the future! Keep it up.


text:
Impetus Innovation Long John
Impetus Innovation Long John Mens long johns from Impetus developed using NASA technology to maintain body temperature Fabric: 57% cotton 38% viscose 5% elastane. Brand Name: Impetus Price: £26.00
HOM Chakra Long Long
HOM Chakra Long Long Great for workout or just lazing around on a Sunday morning, these super soft and stretchy longs are cotton rich and finished with a embossed HOM logo Fabric: 90% cotton 10% elastane. Brand Name: HOM Price: £31.31
HOM Harro T-shirt
HOM Harro T-shirt Wear your Harro solo to create that charismatic jeans and T look or slip it under a shirt. Either way, you will fall in love with the comfort, fit and eternal appeal, white or black Available in S , M , L , XL , XXL Fabric: 100% Cotton. Brand Name: HOM […]
Mundo Unico Casual Socks 00105
Mundo Unico Casual Socks 00105 Supersoft mens casual sock from Mundo Unico Fabric: 65% cotton 34% polyamide 1% Spandex. Brand Name: Mundo Unico Price: £6.00
Olaf Benz Beachees Mini Swim String
Olaf Benz Beachees Mini Swim String Certain to attract attention at the beach or pool this mini swim string in sleek black or scarlet, yellow or rose pink is in a single layer of fabric with a contoured pouch Fabric: 80% polyamide 20% elastane. Brand Name: Olaf Benz Price: £18.50
HOM Light Colours Low Waist Hips
HOM Light Colours Low Waist Hips Limited edition Hipster style mens underwear availabe in black, white, ocean or spearmint green sizes XS S M L XXL XXXL Fabric: 73% polyamide 27% elastane. Brand Name: HOM Price: £15.00
HOM Nature Fredy String
HOM Nature Fredy String A true string underwear with a cord understrap, HOMs all time best selling string available in black, gold (flesh), marine, chinese red and white Fabric: Cotton with polyamide and elastane. Brand Name: HOM Price: £9.99
Jockey Retro Y-Front Sports Brief
Jockey Retro Y-Front Sports Brief Colourful y-fronts from the new Jockey retro range Fabric: 100% cotton Brand Name: Jockey Price: £8.00
HOM Plume String (twinpack)
HOM Plume String (twinpack) HOMs all time best selling thong, featherlight twinpack in black or skintone. Brand Name: HOM Price: £22.00
Male Underwear
Welcome to UK Male Underwear where you will find the best Male Underwear.
We have only the very best male underwear models, modeling the latest and most popular fashions.
Brands such as HOM, Jockey, Sloggi, Olaf Benz & others.


text:
Video & MP3s from Ghana
Sort by Newest Best first
Movie! Accra, Ghana
Canopy Walk University of Ghana, International Programmes Office, Ghana
Looking for monkeys University of Ghana, International Programmes Office, Ghana
Don't get run over! Shai Hills, Ghana
Kokrobite Drum and Dance Performance Accra, Ghana
Part of Final Group Performance in Dagbamete Akatsi, Ghana
Resort in Kumasi Kumasi, Ghana
The tale of Small Small Shai Hills, Ghana
The eyes of a crocdile Shai Hills, Ghana
A new Friend, Volta River, Ghana
Danceparty! Cape Coast, Ghana
What do we do when it rains? Kumasi, Ghana
The noise/music at the May Day public hol function New Abirem, Ghana
Palm Plantation Walk - video New Abirem, Ghana
Here comes the bride New Abirem, Ghana
Tour of the CCS Home-Based (video) Hohoe, Ghana
Bus video Kumasi, Ghana
Making fabric Kumasi, Ghana
Mills turning video - milestone New Abirem, Ghana
Talking Drum Competition Akatsi, Ghana
Community Drumming/Dance at Funeral Cape Coast, Ghana
Party Time - Video New Abirem, Ghana
Party time New Abirem, Ghana
Parade video Akwidaa, Ghana
Speedbump Video Ho, Ghana
My Ill Fate Kumasi, Ghana
On our way to New Estuary Volta River, Ghana
Monkey See Shai Hills, Ghana
Preacher jumped o our Trotro... Accra, Ghana
Jiro flipping hash browns Ghana, Ghana
We were well stuck Ghana, Ghana
learning to weave kente cloth! Kpetoe, Ghana
Market Ho, Ghana
The drum practice begins Kokrobite, Ghana
i love waterfalls! Wli, Ghana
making fishing netting Wli, Ghana
our canoe ride Wli, Ghana
THE WALKWAY Cape Coast, Ghana
Rehearsing for a Concert! Ho, Ghana
Breakfast @ Ramada Resort (Beachside) Accra, Ghana
Parade Ada Foah, Ghana
They def got moves Accra, Ghana
love this guy! Cape Coast, Ghana
around cape coast castle Cape Coast, Ghana
Someone's got moves Accra, Ghana
What I See Ho, Ghana
Driving By Ho, Ghana
Erica's and Gideon's Azonto! Kokrobite, Ghana
More Dancing Volta Region, Ghana
THE MOVIE Cape Coast, Ghana
Pouring Libation Volta Region, Ghana
The Adventure Accra, Ghana
Dance Performance in the Eastern Region Volta Region, Ghana
Vid�o bonus Accra, Ghana
kente2 Accra, Ghana
Making Pottery Volta Region, Ghana
Video (click to view) - Maternity Dept Sekondi-Takoradi, Ghana
A Short Clip Tamale, Ghana
Drumming video Kumasi, Ghana
clip of the best bus ride ever Accra, Ghana
Sort by Newest Best first


text:
Passion. Purpose. Perspective.
The first of its kind report on Island Economies provides a comparative analysis of the state of the infrastructure challenges currently being faced by small island economies. Over the past several months desktop research was conducted by a third party agency, Island Analysis, across 16 islands and one to one interviews with 40 government officials and KPMG professionals. Key areas of focus included an in-depth review of policy and strategy, procurement, financing and execution of public sector projects.
© 2016
KPMG, a Bahamas partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative ("KPMG International"), a Swiss entity. All rights reserved.
KPMG International Cooperative ("KPMG International") is a Swiss entity. Member firms of the KPMG network of independent firms are affiliated with KPMG International. KPMG International provides no client services. No member firm has any authority to obligate or bind KPMG International or any other member firm vis-à-vis third parties, nor does KPMG International have any such authority to obligate or bind any member firm.


text:
אנחנו בפייסבוק
Vehicle carrying four naval officers crashes into truck on Highway 4; two officers pronounced dead at scene, two others injured
Eli Senyor
Published: 06.27.12, 10:06 / Israel News
Eli Senyor
Two Israel Navy
officers were killed in a car crash on Highway 4 near Rishon Lezion early Wednesday morning.
An initial investigation into the accident revealed that the officers, Captain Omri Shahar, 25, of Kfar Saba and First Lieutenant Rafael Bublil, 22, of Ramat Gan, were killed when their car collided with a truck and overturned at Holot Junction. Two other officers were injured in the crash. One is in moderate condition, while the other suffered serious injuries.
Related stories:
Paramedics transported the injured officers to the Chaim Sheba Medical Center at Tel Hashomer. A Fire and Rescue team that arrived on scene shortly after assisted the paramedics in extracting the bodies trapped in the crushed vehicle.
The IDF's
Spokespersons Unit said that the four officers were stationed at the Ashdod Naval Base. Their families have been notified.
The police said that that after crashing into the rear of the truck, the driver most likely lost control of the vehicle, causing it to flip over and hit the highway's safety barrier.
The crushed vehicle (Photo: Ofer Amram)
When asked if he had seen the vehicle speeding prior to hitting him, the driver said that he had not seen anything unusual prior to the crash. "I just remember the hard blow I felt and then seeing the vehicle overturn. I don't understand what made him crash into me," he said.
Magen David Adom Spokesman Zaki Heller said that, "As soon as we arrived at the scene, we began treating the trapped soldiers in the car. We had no choice but to pronounce two officers dead at the scene. One of the passengers, who suffered serious injuries, was evacuated to the hospital immediately.
"The fourth officer was standing outside the vehicle and appeared to be very disoriented. He did not appear to be wounded. However, it was decided to evacuate him to the hospital due to the severity of the accident," he said.


text: Before America was swooning over The Situation's abs, they were Scotch-taping posters of Usher's hot bod onto their walls. When the singer/songwriter burst onto the scene in the '90s, his popular dance hits and smooth moves helped him become one of the hottest R&B artists in the business. But was the megastar a stud or dud in high school? He answers that one by saying, "When I was 17, the abs came to life." Check out the sneak peek video, then tune in Saturday at 11/10c for an all-new episode of "When I Was 17," also featuring B.o.B and Ne-Yo!


text:
Hire Southern Rock Bands in Worcester, MA
The Chicago Robbery are a harmony laden, acoustic cover duo from Northern Rhode…
Acoustic Band / Southern Rock Band
Providence, RI
Cover Band / Southern Rock Band
Boston, MA
We will travel anywhere! Corporate events, weddings, private parties, house concerts,…
Singing Guitarist / Southern Rock Band
Boston, MA
A Country Music Variety Show! Jesse & The Hogg Brothers are combining cow-punk…
Country Band / Southern Rock Band
Boston, MA
We are a 4-piece folk/americana/bluegrass band from the merrimack valley of Massachusetts.…
Americana Band / Southern Rock Band
Andover, MA
High-Octane Country. Originals and Country Music's Top Hits If you're interested…
Country Band / Southern Rock Band
Whitman, MA
Southern Rock Band
Newington, CT
Tom Sanders Band formed in 2003 as the result of a recording project. The band unites…
Classic Rock Band / Southern Rock Band
Higganum, CT
Christian Band / Southern Rock Band
Torrington, CT
Southern Rock Band
Albany, NY
Lynyrd Skynyrd Tribute Band / Southern Rock Band
Holbrook, NY
Bob & Norm is considered by many classic rock fans to be one of the best bands…
Classic Rock Band / Southern Rock Band
Pleasantville, NY
Wedding Band / Southern Rock Band
Pleasantville, NY
Alec Gross is an accomplished singer/songwriter in the Indie Alt. Country vein performing…
Americana Band / Southern Rock Band
New York City, NY
Zydeco music from New York City!!!! Dr. Zsa's Powdered Zydeco Band hails from the…
Zydeco Band / Southern Rock Band
Brooklyn, NY
Michael Patrick's "Ring of Fire" band stems from central NJ and is an…
Johnny Cash Impersonator / Southern Rock Band
Morganville, NJ
You might also like:Acoustic Bands Country Bands Cover Bands Party Bands Rock Bands Tribute Bands
Tell us about your event:
Complete the form below to receive FREE no-obligation quotes from performers/vendors in your area.
You can't do that.
You are prohibited from contacting any members on GigSalad.
Reason given:
If you believe that this is in error you may contact us.
Thank You!
Here's what to expect next:
Professionals will respond to your request with a quote for your event. We strongly recommend that all communication be kept on the GigSalad website using our booking and messaging system.
Bookings and communications taking place outside of GigSalad are not eligible for dispute resolution, secure deposit payments, verified reviews, or GigSalad booking protection.
For your protection, please be sure to complete your booking through GigSalad.
It looks like you already sent this request to {{duplicateRequests | multipleRequests}}, you can follow up with them through your inbox.
Connect with us on Facebook:
Browse other talent: {{relatedCategories}}


text:
This topic is archived and can not be replied to any more.
|Quick Question About Transit At PTY On Copa... posted Thu Oct 12 2006 06:26:26 by TWA902fly
|Question About Last Minute Tickets On LH posted Thu Oct 5 2006 03:06:49 by ABpositive
|Question About Connecting At DFW On AA posted Fri Sep 29 2006 04:28:15 by Adam T.
|Question About Atlantic City Int. Airport posted Thu Jul 20 2006 06:52:15 by ContinentalGuy
|Question About Different Tail Units On MD-80s posted Sun Apr 30 2006 04:55:17 by AviationAddict
|Question About Multi-national Carriers? posted Thu Nov 17 2005 01:15:23 by Sflaflight
|Question About 1st Class Seats On American posted Tue Jan 4 2005 19:12:23 by Sleekjet
|Booking On NWA Website As CO Elite posted Mon Dec 27 2004 22:09:08 by Markk
|Question About Tail #'s Listed In On Time Stats posted Thu Jun 17 2004 18:11:16 by LoneStarMike
|Question About In-flight Movies On Boac In 1966-67 posted Tue Jun 24 2003 16:42:26 by Johng


text:
Oct. 6, 2012
ATHENS, Ga. - The University of California Golden Bear women's golf team finished day two of the Liz Murphey Fall Preview by bettering their first round score by six strokes, and sit in 18th place with a total score of 606. Senior Jacqueline Williams led the Bears on day two with a score of 73 (+1).
Williams now has a two day total of 149 (76, 73). Just like day one, sophomore Morgan Thompson and senior Joi Pentin posted the same score and now both sit with 151 (77, 74) strokes. while freshman Hannah Suh contributed a 79 to bring her total to 157. Junior Nicola Roessler's score of 80 did not factor into the day's tabulation, and gave her a two day score of 156.
The Bears tee off for the third and final round tomorrow at the par-72 University of Georgia Golf Course at 6:40 a.m. Live scoring for tomorrow and complete results from today's action can be found at golfstat.com.
For complete Cal golf coverage, don't forget to follow the Golden Bears on Twitter and like them on Facebook.


text:
Campus News
Home » Campus News and Events » December 2009-University News Archive » 12-1-09, 92nd Finnish Independence Day Program is December 6
Please enter a search term to begin your search.
92nd Annual Finnish Independence Day Program is December 6
December 1, 2009
HANCOCK, MI - Sunday, December 6, at 2:00 p.m., the Finlandia University Finnish American Heritage Center will host its 92nd annual Finnish Independence Day program.
The program celebrates the anniversary of the date Finland gained its independence in 1917.
This year's program features a variety of local performers, and the City of Hancock's Finnish Theme Committee will announce the 2010 Hankooki Heikki honoree. The Hankooki Heikki recognition is bestowed annually upon a person whose commitment to preserving and promoting Finnish culture in the area goes above and beyond "normal" efforts.
In addition, two giant himmelis created by Milwaukee-based artist Ernest Hensersky will be on display.
Following the program, the Kivajat Dancers, a local children's traditional dance troupe, will provide a Finnish coffee table.
Now a member of the European Union, Finland was part of the Swedish realm for 600 years until 1809 when it became attached to the Russian empire. In 1906 Finland acquired its own national parliament, and on December 6, 1917, a Russian revolution prompted Finland to declare herself independent. The Russian government recognized Finland's independence December 31, 1917.
Traditionally, Finnish Independence Day is a solemn remembrance of those that made freedom possible for Finland. In recent decades, however, celebrations often include fireworks, parades, and celebratory cakes decorated with the blue and white Finnish flag.
For information, please call 906-487-7549.


text:
Archive for the 'Chubby' Category
It's a long episode with plenty going on so we do get to see plenty of her and that succulent body. I was happy enough just to watch her lie back and finger her pussy but the hardcore part of the video was a beauty. He porks her silky little fat pussy and then fucks the daylights out of the blonde teenager.
See more at Young Fatties. If you like your teen girls plus sized and cute then this is a site you don't want to pass up.
Her co-star really has fun with her too. She plays with her perky young breasts first before porking that pudgy bald muff. He fucks her in several different positions and my favorite part of this video was seeing her ream her on her back. That way we see her beautiful face as she gets fucked while her titties and sexy jelly belly jiggle around.
See much more of her at Young Fatties. Her movies are not to be missed if you love chubby teens. They have hundreds of plump and fat 18 to 21 year old girls just waiting for you.
As you can see Tegan still has some puppy fat on her buxom body. I wouldn't call her overweight though just slightly chubby. She has a really sweet face and personality too with an infectious smile. Of course there is no getting around her most impressive asset are her enormous 30GG boobs! They are just magnificent and Tegan tells us they are still growing! She loves the attention they get too and enjoys being a cock tease. Her playful side really comes through in her videos and photo sets too.
That said if you would like to see more of this gorgeous teen model be sure to visit her at her official site at Tegan Brady. Become a member of her site and you get to download all her photos and movies plus you get free complimentary membership to many other busty teen girls site including her big sisters.
These are pictures of her from a brand new site called University Bubble Butts. As the name implies they focus on teen/college girls with nice big asses… my favorite type! There's some great upskirt pictures of Emma. Her plump ass cheeks poking out of her tartan panties is a sight to behold!
As sexy as that little plaid skirt and panties were I could not wait to see young Emma naked. When she slipped out her panties her round onion booty drew me in like a beacon!
In the video that is available to UniversityBubbleButts.com members Emma has a hot hardcore sex scene with a much older man. This lucky old guy gets to have his dick sucked by her pretty mouth before slipping into that puffy pussy and fucking her silly.
You can see the full episode containing all the photos and the huge video only at University Bubble Butts, along with loads more big butt teens.
Get instant access now for only $2.95
It's funny she bares a striking resemblance to a plump teenage girl that works as a check out chick at my local supermarket. She's bright and bubbly too and whenever she I'm shopping there I try to get in her que just to get an eyeful of her luscious chubby body and her pretty young face. She's quite breathtaking with her combination of flawless creamy white skin and her thick and curvy figure.
If you like chubby teens and young BBWs then I suggest you high tail it to Young Fatties. They have hundreds of fresh young models that are on the chunky side. Their members area is pretty damn impressive and has lots of both softcore and hardcore episodes
See more at Young Fatties
This slightly chubby teen babe is Riley and I just love this little cutie. She's got a really cute face, complete with dimples and oh man does she have a nice round booty. Believe me that plump rump of Riley's gets quite a work out as this little honey gets a nice hard fucking. I've watched the full video at I Am Eighteen and this curvy cutie gets her chubby pussy reamed good and proper!
All in all this an awesome new teen hardcore site that I encoroage everyone to check out. They've got some really sexy young 18 year olds (that are actually 18yo I might add). The action is hot and is captured well in their high quality videos and photos.
Well worth noting too is that I Am Eighteen members also get access to loads of bonus sites included free with their membership, including the massive Download Pass.
IAmEighteen.com members get:
See more at Paul Markham Teens


text:
Access to the main historical houses, museums and attractions (and their complete offer) + a free guided boat tour + free public transport + free use of hop on hop off water-tramway (1 day) + free bike rental (1 day).
- Save almost € 15.00 in low season (November-March).
Save more than € 20.00 in high season (April-October).
- Most museums in Ghent are free for children and young people up to 19 years, so the CityCard is not quite a deal for them.
Additional advantage
Thanks to the CityCard you can also follow the restoration of the Mystic Lamb up close:
- the triptych itself in the Cathedral
- the panels, which are being restored in the Museum of Fine Arts (MSK)
- the exhibition in the Carmelite Friary
You can buy the CityCard Gent in:
- The Ghent Tourist Office (Sint-Veerleplein 5)
- All participating museums and attractions
- Ghent's hotels
- Camping Blaarmeersen
- All sales points of public transport company De Lijn
- the city shop
Enjoy your visit!


text:
As a society, we have become expert at blaming others. No one wants to take responsibility for their own life, yet they insist on it from others when it affects them.
We are to be responsible. Responsibility is God's idea! God did not create Adam and Eve to let them do anything that they pleased! They had responsibilities!
Adam and Eve had the first recorded job description. Genesis 2:15 says "The Lord God took the man and put him in the Garden of Eden to work it and take care of it." They also had marital responsibilities to become one with one another without shame. (Genesis 2:24-25)
What happened when they broke their responsibilities? They had to leave the Garden of Eden and missed out on God's best! If Adam and Eve had maintained their responsibilities they would have continued to have that close union of walking with God, instead they lost out!
There are positive examples in Scripture like Joseph. If he was in charge of the land or if he was falsely thrown in prison, he took responsibility for what he could do. You can read his story in Gen. 37-50.
Instead of taking responsibility, we prefer to blame. Adam and Eve tried blaming others.
Aaron is another negative example of shirking responsibility. When Moses questioned Aaron about making a golden calf to worship he responded by saying in Exodus 32:22-24; "Do not be angry, my lord," Aaron answered. "You know how prone these people are to evil. They said to me, 'Make us gods who will go before us. As for this fellow Moses who brought us up out of Egypt, we don't know what has happened to him.' So I told them, 'Whoever has any gold jewelry, take it off.' Then they gave me the gold, and I threw it into the fire, and out came this calf!" He blamed it on the people and on the fire.
God calls us to be different. When we do something wrong, we need to own up to it, admit our wrong, and do all that we can to fix the problem we caused and the relationships that have been hurt.
How about you? When do you tend to blame others? Will you admit your faults? Will you admit your sin and your need for Jesus to change your life? It is time to take responsibility.


text:
Meet and Communicate with Fun Singles Near You on JDate
Register now to search thousands of members and post your FREE profile!
See who's on JDate:
I love Yeshua. I have my BBA majoring in both Accounting and Finance. I am a certified personal fitness trainer and nutritionist. I ...
Llaunna is a 28yr-old single woman in Cotter, ArkansasView Profile


text:
BOSTON The Blue Cross Blue Shield of Massachusetts Board of Directors on Tuesday voluntarily agreed to indefinitely suspend its members' compensation. In total that amounts to more than $1.2 million a year.
The payments for the 18 board members make up a fraction of the $13 billion company, but the board says it heard clearly the community's anger at the board payments and the severance package to former CEO Cleve Killingsworth. The new CEO, Andrew Dreyfus, says the board wanted to show it's acting responsibly.
"The board really wanted to move the discussion back to talking about health care affordability and this issue really had become too much of a distraction," Dreyfus said. "They really wanted to send a message that there's a new era of Blue Cross and we are going to be more modest in our compensation practices."
Dreyfus says most Blue Cross boards across the country pay their members and do it because they need to attract people with business and financial expertise.
Board members here include Massachusetts AFL-CIO President Bob Haynes, who was paid $72,000 last year, and Helen Drinan, the president of Simmons College, who was paid $84,000. Some members received free health care as part of their compensation. Paul Guzzi, CEO of the Greater Boston Chamber of Commerce, received $84,000 for sitting on the board, but says with his business experience, he brought value.
"The combination of experiences and understanding of finances and a deep commitment to improving the health care system here in Massachusetts were all criteria that led to me going on the board," Guzzi said.
Attorney General Martha Coakley, who is investigating Blue Cross for its payout to Killingsworth and had inquired about board pay, applauds the decision and says the other three nonprofit health insurance companies in the state should reevaluate their practices of paying board members as well. Tufts Health Plan says it is looking at the practice. Harvard Pilgrim Health Care and Fallon Community Health Plan did not return a call for comment.
Blue Cross says in addition to suspending pay for board members, it's starting to examine whether it should even be classified as a public charity. Dreyfus says it creates unrealistic expectations.
"We are a not-for-profit organization, but on the other hand we need to act as a business, we need to act competitively in a market," he said. "We are a large financial enterprise and I think that creates some confusion in the public's mind — are we a business or are we a charity?"
Blue Cross doesn't accept donations and already pays taxes. Dreyfus says the board will explore another way to be classified. But it is not considering becoming a for-profit insurer. Coakley says it's a good opportunity for Blue Cross to explore a change.
"For Blue Cross Blue Shield it would require a statutory change, but it's never inappropriate for a board of an institution to at least review and consider — should they be organized some other way," Coakley said.
The board says as long as there are conflicting expectations about who Blue Cross is, and how the insurer should behave, there will be questions about compensation and other business practices.


text:
Business Law
Ask a Business Lawyer. Get Business Law Questions Answered ASAP.
I was working out of town and i needed plates on the trailer for when i got back to take on the road. I worked out of state and was living in the trailer while i was working. I just did not have it transfered in my name.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided "as is". To view the verified credential of an Expert, click on the "Verified" symbol in the Expert's profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).


text:
Sports News-August 14, 2012
CBS Sports Programming now at 105.9 WJAG-FM & 780 WJAG-AM Mon-Fri at 5:00 PM; Sat & Sun at 4:00!
Yanks cruise...Dodgers catch Giants...A battery of reasons for Johnson's release
NEW YORK (AP) - Nick Swisher hit a grand slam and had five RBIs as the New York Yankees easily won a battle of American League division leaders, 8-2 over the visiting Texas Rangers. Derek Lowe worked four shutout innings of relief after signing with the Yankees earlier in the day, helping the Bombers keep their five-game lead over Tampa Bay in the AL East. The Rangers top the AL West by six games over Oakland.
UNDATED (AP) - The Los Angeles Dodgers have pulled into a tie with San Francisco for the NL West lead. Shane Victorino belted a two-run homer and had three RBIs as the Dodgers downed Pittsburgh 5-4, pushing the Pirates five games behind the Central-leading Reds. Danny Espinosa went 4-for-6 with a two-run homer, three RBIs and three runs scored as the Nationals blasted the Giants 14-2 to stretch Washington's lead in the NL East to 5 1/2 games over Atlanta.
DAVIE, Fla. (AP) - Miami Dolphins coach Joe Philbin says the decision to release six-time Pro Bowl receiver Chad Johnson wasn't based on any single incident and wasn't made to send a message. Philbin said the Dolphins simply decided the fit was wrong for both the team and Johnson. The Dolphins terminated Johnson's contract Sunday night, about 24 hours after he was arrested in a domestic battery case involving his wife.
BETHLEHEM, Pa. (AP) - Eagles cornerback Nnamdi Asomugha was evaluated for a concussion after colliding with teammate Nate Allen during a training-camp session Monday. Asomugha also left with a lacerated lip and sore neck as a result of the mid-air collision, which occurred on a pass play during a seven-on-seven period.
ALBANY, N.Y. (AP) - New York Giants wide receiver Hakeem Nicks can start practicing with the team after being taken off the physically unable to perform list. Nicks missed the first two weeks of training camp at the University at Albany while completing rehabilitation on a broken right foot that he hurt in May during Organized Team Activities.
The Nebraska volleyball team will enter the 2012 season ranked fourth in the AVCA Coaches Poll. The Huskers were one of four Big Ten teams to earn a spot in the top ten, joining third ranked Penn State, seventh ranked Illinois and ninth ranked Purdue. The Huskers welcome back a strong team in 2012 that returns All-Americans Gina Mancuso, Lauren Cook, Morgan Broekhuis and Hannah Werth. During the 2011 season, Nebraska finished with a 25-5 record, captured its first Big Ten title in its first season in the league and made a trip to the NCAA Tournament for the 30th time.
Nebraska sophomore tackle Tyler Moore's temporary leave from the football program will last at least through the 2012 season, his father confirmed last night to the Omaha World Herald. Brian Moore said his son will redshirt, head to his home in Florida, for the fall semester and attend classes at St. Pete College. Tyler Moore will then make a decision to continue his career at NU, Florida or Florida State. The Gators and Seminoles both reached out to Tyler's high school coach after learning that the 6'6, 305-pounder had left the Huskers' program last Friday. Brian Moore acknowledged that his son was homesick. He declined to comment on any perceived problems with specific coaches. Coach Bo Pelini has been "very cordial" about the departure and is "taking the lead" on Tyler Moore's potential return, said Brian Moore, who added that Pelini has asked his assistant coaches to give Tyler room to decide this fall. A consensus four-star recruit out of high school, Tyler Moore started as a true freshman in 2011 before being replaced by senior Marcel Jones at the start of Big Ten play. Without Moore, who started four games last season and played in nine, the Huskers have juniors Brent Qvale, Jeremiah Sirles and Andrew Rodriguez as their top three tackles. Moore's decision comes on the heels of NU's announcement that Ryan Klachko had left the program. They were two of the five offensive linemen in the Huskers' 2011 recruiting class.
Allie Havers, a 6'5 forward from Michigan, has orally committed to the Nebraska women's basketball team for the 2013-14 season. As a junior, Havers earned first-team Class 'A' all-state honors from both The Associated Press and Detroit Free Press last winter after averaging 18.1 points, 11.8 rebounds, and 5.6 blocked shots. She shot 49% from the field, 74% from the free-throw line and 32% from three-point territory. Havers, who originally committed to Michigan last winter, chose the Huskers over Iowa State and Wisconsin-Green Bay after de-committing. She's ranked tenth from the Class of 2013 in the four-state region by Midwest Recruiting Report and second in Michigan.
A global helium shortage is deflating the Huskers touchdown balloon celebration this season according to the Omaha World Herald. Fans typically release about 5,000 red balloons into the sky to celebrate the Huskers first score during home football games. The tradition will make its final appearance during Nebraska's season-opener against Southern Miss on Saturday, September 1. Expect between 2,000 and 2,500 balloons that day. The hiatus is indefinite. The university's helium provider does not have any helium and does not expect to replenish its supply until late September or early October. It may not be available for years. The tradition dates back to the 1940's when a student group sold red balloons on 'O' Street, according to the press release.
Tad Pospisil is tearing up the track. Pospisil, a weekly racer, has claimed twelve of 17 Limited Latemodel events this year at Boone County Raceway in Albion. The 24-year-old must green flag his next race on Friday at Boone County to lock up his second straight championship. Pospisil placed seventh last Friday. Last Saturday, he took fifth at the Midwest Latemodel Racing Association event in McCool Junction. On Sunday, Pospisil was fourth at the I-80 Super Latemodel Racing Association event in Greenwood. His engines are a 525 crate engine and Ostrich limited latemodel engine. Pospisil's crew includes his brother Dylan Pospisil, grandfather Jerry Pospisil, and Chad Fox.
Local Schedule: Omaha Storm Chasers at Las Vegas (Bsbl-9:05).
Local Scores: Omaha Storm Chasers 5 Tucson 2 (Bsbl).
Final Toronto 3 Chi White Sox 2, 11 Innings
Final Minnesota 9 Detroit 3
Final Cleveland 6 L.A. Angels 2
Final Tampa Bay 4 Seattle 1
Final Philadelphia 4 Miami 0
Final San Diego 4 Atlanta 1
Final Chi Cubs 7 Houston 1
Final Colorado 9 Milwaukee 6
Final Dallas 3 Oakland 0
On Air
After Dark
12am - 6am
11pm - 12am
Star Athlete of the Week
Dylan Kautz
of Norfolk Catholic High School
Sponsored by Spracklen Physical Therapy of Norfolk


text:
What A Summer!
This summer was certainly "eventful" for WXXI, their staff and the volunteers. We had events of all kinds: Festivals, On Stage live concerts, Speaking of Women's Health, the Open House in September and many more.
It is time for me and the rest of the Volunteer Leadership Council to thank all of the many volunteers that made it all happen and made it fun too! You make it so much easier for WXXI to produce the quality public and special events that have occurred this season. There are too many names to thank individually but be assured that the WXXI staff appreciates all that you have done and are doing for WXXI.
Volunteering for WXXI is very special to me and to all of the volunteers that work so hard to support WXXI and all public media. The folks at WXXI make it a pleasure to come in and help out, plus we enjoy ourselves and the new friends we have made through our volunteer efforts.
You have not volunteered yet? Well, with Winter coming on and outdoor activities taking up less of your time, it is time to make that step. Just click here: http://wxxi.org/support/volunteers/volunteerform.html to go to the volunteer registration form. Fill it out and submit it or leave a message on the WXXI Volunteer Hot Line - (585) 258-0235 - with your name, telephone number and the best time to call . We will give you a call as soon as we can and talk with you about what type of volunteer opportunities seem to fit your needs. Then you can come on down and tour our fabulous facility. It will blow you away!
Thanks again to all of our volunteer family for helping to make the WXXI summer events such a success. See you at the Radio Drive coming up from October 17 to October 24.


text:
Images: I Marine Expeditionary Force (Forward) Deploys to Afghanistan [Image 1 of 10]
Photo by Lance Cpl. Ricardo Hurtado
Staff Sgt. Jesus Cardenas, motor transport chief with 1st Combat Logistic Regiment, from Nogales, Ariz., spends time with his daughter moments before departing Camp Pendleton, Calif., Jan. 13. Nearly 140 of the I Marine Expeditionary Force (Forward) command element's 300 Marines and Sailors said goodbye to family and friends as they departed for Camp Leatherneck and Camp Bastion in Afghanistan.
This work, I Marine Expeditionary Force (Forward) Deploys to Afghanistan [Image 1 of 10], by Sgt Ricardo Hurtado, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:01.13.2014
Date Posted:01.13.2014 17:04
Photo ID:1149921
Size:578.14 KB
Location:CAMP PENDLETON, CA, US


text:
|Building on a Legacy of Excellence
• Home
|About SRJC
|Campus Life
|Faculty / Staff
Crisis Situations: Distressed,
Disruptive, or Dangerous Students
Students with Mental Health Challenges
Faculty and staff sometimes wonder if a student has a mental health challenge* that he/she is coping with in addition to the pressures of being in college. Often students will disclose personal information to faculty/staff because of the safety and professionalism offered by SRJC personnel. Students also tend to talk to faculty/staff because they feel more comfortable speaking with someone they know. Other students come to the attention of faculty/staff when their behavior deteriorates from a previously higher level of functioning or when their behavior deviates markedly from their peers. Therefore, faculty/staff at SRJC often play a critical role in connecting students to additional resources and providing needed support.
The stress of college can initiate or exacerbate mental health symptoms. For the student who has no history of mental health challenges, the pressure of performance on tests, homework, and the social performance demands can overwhelm students' coping strategies, especially if the student is already dealing with multiple external stressors. Likewise, students with a history of mental health challenges may experience a resurgence of symptoms under the pressures of school. However, please keep in mind that every semester hundreds of SRJC students with mental health challenges are enrolled and academically successful.
Observation alone is not enough to determine if a student has an on-going mental health challenge; possibly, the student is having a bad day or a bad week due a situational life stressor. The purpose of this page is to provide SRJC faculty/staff resources to assist a student, whether that student is dealing with situational life stressors or chronic mental health challenges.
The following table provides a list of behaviors that may indicate the student has a mental health challenge.
*The term "mental health challenge" can be used interchangeably with "mental health diagnosis." In addition, the terms "mental health disability" or "psychological disability" are used when a person's mental health diagnosis results in limitations of functioning. Outdated, pathologizing terms such as "mental illness" place a person in a one-down role, submissive to the medical system. It is important to be aware that social stigma about mental health issues is often conveyed inadvertently through language; for example, pathologizing terms such as .....
How Frequent are Mental Health Challenges for SRJC Students?
According to the 2010 National College Health Assessment survey of 1090 SRJC students, the majority of SRJC students are experiencing challenges to their mental health and well-being. For example, 66% of SRJC students reported multiple areas of their life were "traumatic or very difficult to handle" (e.g. finances, academics, intimate relationships, family relationships, career related issues, sleep difficulties). More than half of the sample reported that in the past year they felt either overwhelmed by their tasks (77%), exhausted (not from physical activity, 74%), very lonely (53%), very sad (61%), overwhelming anxiety (51%), overwhelming anger (45%), or that things were hopeless (50%). Therefore, it is the normative experience for our students to have difficulty coping with their life stressors.
Despite these intense mental challenges, a minority of SRJC students (23%) sought treatment for a mental health concern in the last year. For those students who did seek treatment, anxiety and depression were the most commonly reported diagnoses.
Santa Rosa Junior College is officially accredited by the Western Association of Schools and Colleges


text:
S or S Helper? Jan 5, 2013 14:33:12 GMT -5
Post by Blanca on Jan 5, 2013 14:33:12 GMT -5
Hello There, I just have a question...I have read and re-read the S chapter in your book and I still think I'm not really grasping it all.
I posted a picture of my breakfast this morning. The contents were...a pancake (made with egg whites, 0% Greek yogurt, a dab of vanilla extract, a pinch of stevia (KALS pure extract is my stevia of choice - not that it matters), and 1.5 tablespoons of oat bran.
I then fried an egg on a non stick skillet (just having wiped the skillet with a napkin that had olive oil on it). (I do realize I could have had lots of butter instead, I just wasn't up for that this morning)
I then rounded it out with a lovely cup of tea sweetened with Stevia.
SO - my question is. I Love a pancake with a whole egg on top...it's one of my all time favorite breakfasts. This oat cake has less then 8 carbs in it. There are no preservatives or franken food type qualities to this pancake. A half a cup of blue berries has 10 carbs and is an allowable addition to an S meal. So my reasoning tells me...This meal CAN be counted as an S meal. However, your book specifically says "No grains at first...they can only be added in later as S Helpers" (short version of sentence on page 74 three quarters down the page). So is my reasoning correct? Is this an accceptable S breakfast?
Second Question: As for the Franken foods. I read the book to mean that they are an acceptable addition to an S meal and I thoroughly understand that they should be used only once in a very long while. BUT for an acceptable S meal...How much dreamfields pasta can go on my plate and still qualify as an S Meal?
Would it be safe to say that up to 10g of carbs are acceptable in an S meal?
I hope I was able to get my questions out clearly enough. I am by nature hugely affected by the 'letter of the law' and I'm trying to gauge at 'spirit' at this point (if that makes any sense to you!).
Thanks so much for your help!


text:
As you all know, I've struggled with my weight loss. I can't see it. I've been very down on myself. Then something happened this week. I went shopping.
Let me start off be stating I own 2 bras. With my size changing and bras being expensive, I only buy 2 at a time now. Well, I lost a bra. I couldn't find it anywhere, so I decided to go shopping. Now, when I started Nutrisystem I was a 44 DD. (Yes, the girls are big. LOL). Then along the way, they got bigger and I went to a 38 F. Then I went to a 38 DD. Now, I went to Kohls this week (to pay my bill) and looked at what they had there. It was in the dressing room at Kohls where I had my light bulb moment. After trying on a zillion bras, I found one (36 DD!) that fit me well. The funny thing is that it isn't a bra I would normally pick. I usually stick to ugly monocolor bras. Instead, this one is leopard print and the only reason I tried it on was because I couldn't find this style in a black bra. (They did have it in white.) When I tried on that bra, I, for some reason, had a new found confidence I didn't have before. I just knew it looked good on me. It makes me feel good. It makes me feel sexy. And in that moment everything changed.
This last week or so I've felt like I hit a plateau, so I am changing things up again. Starting on Saturday (and if you follow me on Facebook you'll know this already), I am doing Jillian Michaels 30 day Shred. My goal is to get a little more toned and work on the areas that I don't like about my body (which is basically the stomach area. What mom doesn't say that?). Why am I telling you all this? It keeps me accountable. It forces me to do it even when I don't want to, because I have to report to you my progress. My only fear is that the muscle I may add won't translate into weight loss. However, I'm taking measurements, so I'll see it there instead (I hope!).
I'm on Day 3 this morning. I didn't lose any weight again. (sigh). BUT I'm seeing a lose in measurements (which is just as important, right?). I lost an inch in my waist, an inch on my thighs, and an inch in my hips. I'll take that! (The weird thing is that I noticed when I worked out this morning that my underwear was big). I'll be honest — I don't see the difference on my body, but the measuring tape doesn't lie!
Here's hoping to either losing more inches or more some more pounds next week!
THIS WEEKS WEIGHT LOSS: 0 lbs
TOTAL WEIGHT LOSS: 64.4 lbs
Want to lose weight and get healthy on Nutrisystem? Join today by calling 1-888-853-4689 or by visiting http://www.nutrisystem.com/nsblog


text:
Subscribe To Topics You're Interested In
I've already subscribed
ABC Family Renews Melissa & Joey For A Second Season
By Kelly West 5 years ago comments
Being among the generation that associates Joey Lawrence with the word Whoa! and Melissa Joan Hart for having one of the coolest teen bedrooms and ladder-climbing best friends on television (insert Hi Sam guitar sound here), I can appreciate the idea of the two actors teamed up for a Whos the Boss-like comedy on ABC Family. Now that Ive sufficiently dated myself, lets celebrate the good news. If youre a fan of Melissa & Joey, you have plenty more to look forward to as the network announced today that theyve given the comedy series a second-season order.
Melissa & Joey stars Melissa Joan Hart as a local politician who tasked to look after her niece and nephew after her sister is imprisoned. Joey Lawrence plays Joe, the hired manny who steps in to earn a paycheck looking after the kids. The series just resumed for the second half of its first season at the end of last month. Ratings are up for the show and ABC Family is ready for more. The networked ordered up eighteen episodes for Season 2, which is set to resume in 2012.
"Melissa and Joey have proven to be a comedic powerhouse, with wonderful chemistry that has resonated with viewers in the tradition of great television pairings," said ABC Family president Michael Riley, "As our focus on comedy continues to develop, we're delighted to see it return next year as an integral part of the network's expanding slate of original series."
ABC Family currently has Melissa & Joey sharing the 8:00 p.m. hour on Wednesday nights with new 30-minute comedy State of Georgia, which stars Raven Symone. I can date myself further with Cosby references to go with that comment, but instead Ill simply say that these two relatively family-friendly thirty-minute comedies are paired nicely together and worth checking out if youre in the mood for some light-and-funny summer TV.
Subscribe To Topics You're Interested In
Back to top


text:
See All Contributors »
Mizzou (go to the SEC already)
Game goes to 8 OT and everyone fouls out, ends in a tie
Who do you want to win today and why?
Mizzou up 12-11 atm.
Originally Posted by Miniclone11
Bronco fans better take a good look. This is their future unfolding in front of them. It's about to get uglier.
Originally Posted by Hoiball92
Carolina by 17
Originally Posted by cmjh10
Yeah, Carolina is going to win the Superbowl
Originally Posted by GeorgesFan
If you never had Fred then you never would have had Georges. Think about that for a minute you stupid *****
Teams always lose right before they play us. Looks like Mizzou wins this based on the schedule.
Kansas Must Be Destroyed
Sic Semper Jayhawks
MU. if we win today then Mondays game should be for 3rd
I would still love to win the big 12, for that to happen we need Baylor to win.
If we want to improve our big 12 seeding we need Mizzou to win. If we are the 3 seed in the conference at the end of the season I think it's a lock for the tourney.
I'm rooting for Baylor. We still got two games with them so two cracks at another statement victory over a top 10 team. We're not winning in Columbia so I don't really care about Mizzou...plus I don't want them leaving the Big 12 having won the basketball crown in their final season before going to the SEC! SEC! SEC!
ABC - Always Be Closing
Need Mizzou to win. We still have a shot at taking 3rd place.
"Winning isn't everything, it's the only thing."
18 -18 now with 6:16 in first half.
For Des Moines residents it's on WOI..same station carrying the ISU game later.
What about Texas v KSt? K st wins could be tied if we lose. Texas wins and we have two teams trying to chase us down and within shooting distance
Originally Posted by zwclones51
What about Texas v KSt? K st wins could be tied if we lose. Texas wins and we have two teams trying to chase us down and within shooting distance
I was going to post another thread but it can be in this one as well..
Wish I could title this thread "Big 12 Gameday" but oh well.
I think I want Texas to win, but as long as one team loses that's good enough.
I hate playing against teams who have lost right before playing us
I want Baylor to win.
I hope Missouri tanks today.
Let Prohm's Posse Ride: Hallice, Brady, Stu, Lard, Naz, Deonte, Monte, Matt, Simeon, Jordan, and Babb.
Go Baylor!
There is ZERO reason to root for Mizzou today. A Baylor win likely takes Mizzou out of winning the conference and gives them another loss such that if we beat Baylor and Mizzou, we can share 2nd place.
That said, Mizzou will win at home.
I think we have a good chance on Monday.
Forum Rules
All content owned by CycloneFanatic.com - All rights reserved 2005-09. By viewing this website you agree to the Terms of Service, Site Rules and Legal Disclaimer. The words, views, images and opinions expressed or provided by users do not reflect the opinions or views of CycloneFanatic.com or Iowa State University. The names, words, symbols, and graphics representing Iowa State University are trademarks and copyrights of the University protected by the trademark and copyright laws of the United States of America and other countries and are used on this web site under license from the University. Original site design, premise & construction by Jeremy Lind.


text:
24 Fat-Burning Ab Exercises (No Crunches!)
Bridge opposite arm-leg reach
Take inches off your waistline with this do-anywhere move from fitness expert and teacher Jessica Smith.
1. Lie faceup with your left knee bent, left foot flat on the floor, and right leg extended toward the ceiling. Reach toward the ceiling with your the left arm and keep your right arm down by your side.
2. Without moving your hips or shoulders, open your raised leg to the right and raised arm to the left. Now, concentrating on your abs, return your raised leg and arm to the center. Do 10–12 reps, then switch sides and repeat.
Watch the video: How to Do Bridge Opposite Arm-Leg Reach
Next: Low-belly leg reach
Get the latest health, fitness, anti-aging, and nutrition news, plus special offers, insights and updates from Health.com!


text:
Given that $x$ and $y$ satisfy the equation:
Prove that, when $x=1, dy/dx=-1-\sqrt{3}/2$.
I tried to differentiate both sides:
and I know that when $x=1, y=\sqrt{3}$ by putting $x=1$ into the given equation.
so I got $1/2+√3/4+(√3+dy/dx)/4=0$
$$\implies dy/dx=-2-2√3$$
Thanks for pointing out the mistake. but the answer is still wrong..


text:
Police: Arson in horse barn fireMarch 23,2013MONKTON A 31-year-old Vermont man is being charged with setting fire to a horse barn in Monkton that he owned with his wife.
Police say Dennis White was cited into court on Monday to answer the charge of first-degree arson in connection with the Feb. 24 fire at the barn with attached indoor riding ring.
The barn was fully engulfed in flames when firefighters arrived after a resident reported seeing an orange glow in the area of the barn.
There were no injuries and none of the 14 horses being kept at the barn at the time were hurt.
Damage to the barn and its contents was estimated at more than $220,000.MORE IN This Just InThe Shumlin administration and legislative leaders are questioning aspects of a renewable energy... Full StoryBENNINGTON The owner of a Pownal GMC dealership was fined $1,000 on Friday after pleading... Full StoryBENNINGTON A local man is being held in the Rutland jail after two people said he brandished a... Full Story
- Most Popular
- Most Emailed


text:
It agreed to pull one of its irritating commercials. This one has been pissing me off since it began running, and it runs a lot.
In it, a thin white woman is seen staring into an office refrigerator, gazing at a delectable cheesecake. Her inner monologue promises to have only a tiny piece, because she was good today … She'll eat it while jogging in place … Her next meal will be celery sticks …
A thin, white female coworker approaches and removes a container of cheesecake flavored yogurt from the fridge. A light bulb goes off in the first woman's head. Why yes! Cheesecake flavored slime will make the perfect substitute for actual cheesecake! The first woman tells the second woman she's lost weight recently. "Thank you!" she replies.
The National Eating Disorders Association had contacted Yoplait and its parent company General Mills, complaining that the spot normalizes disordered eating. I agree, and I'm pleased that the ad will soon be nothing but a memory. General Mills said it never occurred to them that there was anything problematic about the ad, which could be a commercial for an after-school special about eating disorders.
Speaking of skinny women who won't shut up about "bad" food, my office had a pizza party in honor of a colleague's retirement recently. The women I sat with all fulfilled their womanly duty to berate themselves for eating unhealthy but delicious food.
"Oh, I really shouldn't eat this!"
"I just had pizza last week!"
"I'll just skip the cake."
etc. etc.
Thanks for ruining what should be a fun occasion to eat something besides my usual sandwich and pita chips, gals! And for implying that I'm a sinful pig for having pizza AND cake without announcing my shame and guilt.
Of course General Mills didn't think there was anything wrong with the ad. That's just how women are.


text:
DuPont™ Altacor® insect control powered by Rynaxypyr® delivers nearly immediate and long-lasting protection, preventing the buildup of pest populations and maximizes your yield potential. Altacor® offers consistent control of key pests, including codling moth, oriental fruit moth, navel orangeworm and peach twig borer, in stone fruit, pome fruit, tree nuts, grapes and more.
DuPont™ Asana® XL Insecticide delivers long-lasting control of a wide range of insect pests on field, vegetable, tree fruit and nut crops. Its unique CSO formulation (cottonseed oil) resists washoff and provides excellent UV stability — even under intense sunlight. As a result, Asana® XL remains active longer than most other pyrethroids to deliver the most control for your money.
Labeled on more than 100 crops, DuPont™ Avaunt® insecticide delivers broad-spectrum, long-lasting control of labeled insect pests, including cabbage loopers, corn earworms, tomato pinworms, armyworms, peach twig borer, Oriental fruit moth and codling moth. Pests typically stop feeding in 0-4 hours for excellent crop protection.
DuPont™ Kocide® 3000 fungicide/bactericide is formulated with state-of-the-art technology, offering increased bioactivity, better dispersion and longer residual as compared to standard copper products. Kocide® 3000 protects fruit, tree nuts, vine crops, wheat, vegetable and citrus crops for maximum marketability.
Lannate® SP insecticide controls more than 140 damaging insects, including worms, sucking and chewing pests in a wide range of field, fruit and vegetable crops. Lannate® SP provides excellent crop protection by working quickly and stopping insect damage almost immediately to protect yield and quality. It is conveniently packaged in easy-to-use, pre-measured water-soluble bags.