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One important influence that drives forex is the interest rate changes from eight of the world's most important central banks. Interest rate shifts represent a monetary, policy-based response as a result of economic indicators that assess the health of an economy. Most importantly, they possess the power to move the market immediately as one aspect of a country's fundamentals have now suddenly changed. Moreover, surprise rate changes may often make the biggest impact because these volatile moves can lead to quicker responses and higher profit levels. (Read Get To Know The Major Central Banks for background on these financial institutions.)
Interest Rate Basics
Interest rates impact currencies in the following manner: the greater the rate of return, the greater the interest accrued on currency invested and the higher the profit. (Read A Primer On The Forex Market for background information.)
Therefore, it is a valid strategy to borrow currencies with a lower interest rate in order to buy currencies that have a higher interest rate (This strategy is also known as the carry trade). However there is the risk that currency fluctuation may offset any interest-bearing rewards. If trading on the forex market were this easy, it would be highly lucrative for anyone armed with this knowledge. (Read more about this type of strategy in Currency Carry Trades Deliver.)
How Rates Are Calculated
Each central bank's board of directors controls the monetary policy of its country and the short-term prime interest rate that banks use to borrow from each other. When the economy is doing well, interest rates are hiked in order to curb inflation and when times are tough, cut rates to encourage lending and inject money into the economy.
Forex traders can gain clues into what the central bank (such as the U.S. Federal Reserve) will do by examining economic indicators mentioned in the previous section, such as:
- The Consumer Price Index (CPI): Inflation
- Retail Sales: Consumer spending
- Non-farm Payrolls: Employment levels
(Read more about the CPI and other signposts of economic health in our Economic Indicators tutorial.)
Predicting Central Bank Rates
Using the data from these indicators and a rough assessment of the economy, a trader can create an estimate for the Fed's rate change. Generally speaking, as the indicators improve and the economy is doing well, rates will either need to be raised or, if the improvement is small, maintained. Likewise, significant drops in these indicators can mean a rate cut in order to encourage borrowing.
Beyond traditional economic indicators, there are two other areas that should be examined.
1. Major Announcements
Whenever the board of directors from a central bank is scheduled to make a public announcement, it will usually give some insight into how the bank views inflation.
For example, on July 16, 2008, U.S. Federal Reserve Chairman Ben Bernanke gave his semi-annual monetary policy testimony before the House Committee. As per a regular testimony, he read a prepared statement about the U.S. dollar's value and answered questions from committee members. (Read more about the head of the Fed in Ben Bernanke: Background And Philosophy.)
In general, Bernanke reported the U.S. dollar was in good shape and that the government was determined to stabilize it despite the looming fears of an impending recession that were influencing all other markets.
The 10am session (the 14:00 UTC point on the chart on figure 1) was widely followed by traders. Since the outlook was positive for the U.S. dollar, it was implied that the Federal Reserve would be raising interest rates soon. This caused the dollar to appreciate over the Euro.
Figure 1: The EUR/USD declines in response to Fed\'s monetary policy testimony
Source: DailyFX
The EUR/USD declined 44 points over the course of one hour (good for the U.S. dollar), which would result in a $440 per lot profit for traders who acted on the announcement.
2. Forecast Analysis
Analyzing professional predictions can also be used to predict interest rate decisions. Since interest rates moves tend to be well anticipated before hand, major brokerages, financial institutions and professional traders will have a consensus estimate as to what the rate is.
A good rule of thumb for traders is to take four or five of these forecasts (which tend be very close numerically) and average them in order to gain a more accurate prediction.
What to Do When a Surprise Rate Occurs
On occasion, central banks can throw a curve ball and knock all predictions out of the park with a surprise rate hike or cut.
When this happens, you should know which direction the market will move. If there is a rate hike, the currency will appreciate, which means that traders will be buying it. If there is a cut, traders will probably be selling it and buying currencies with higher interest rates. Once you have determined this:
· Act quickly! Forex tends to move at lightning speeds when a surprise hits, because all traders will be competing in hopes of entering into a position (buy or sell depending on hike or cut) ahead of the masses. Doing so can lead to a significant profit if done correctly.
· Be aware of a volatile trend reversal. A trader's perception/emotions often affects the market at the onset of the data's release, but then logic comes into play and the trend will most likely continue back on its original path.
The following example illustrates the above three steps in action.
In July 2008, New Zealand's interest rate was 8.25%. For much of the previous quarter, the rate had been steady. The higher rate of return made the New Zealand Dollar (NZD) was a popular currency for buying.
In July, despite all other previous indications, the central bank decided to cut the rate to 8%. While the 0.25% drop seems minor, this move was interpreted as a sign that the central bank had fears of inflation. Traders started to sell the NZD.
Figure 2: The NZD/USD drops in response to a rate cut by the Bank of New Zealand
Source: DailyFX
In about 10 minutes, the NZD/USD dropped from .7497 to .7414 - a total of 83 pips. Lucky traders that managed to sell just one lot of the currency pair would have profited $833.
This depreciation in NZD was relatively short-lived. It didn't take too longer before it returned back to its original upward trend. It was likely that traders realized that despite the rate cut, an interest rate of 8% was still higher than most other currencies.
Paying close attention to the news and analyzing the actions of central banks should be an important priority to forex traders. Changes in monetary policy will ultimately cause currency exchange rates to change. Understanding and anticipating these moves will allow you to identify trading opportunities.
Now that we touched upon one of the important news events, we will now discuss how to properly read and analyze a news release.
Why Interest Rates Matter For Forex TradersCentral banks' rate changes are one of the biggest influences on the forex market.
How CPI Affects the Dollar Against Other CurrenciesThe Consumer Price Index is a broad measure of inflation, and inflation can have a dramatic impact on a currency's value against rival currencies.
Get To Know The Major Central BanksThe policies of these banks affect the currency market like nothing else. See what makes them tick.
The Forex Market: Who Trades Currency And WhyThe forex market has a lot of unique attributes that may come as a surprise for new traders.
8 Basic Forex Market ConceptsWe go over some of the things you need to understand before you can trade currencies.
How Interest Rates Affect The U.S. MarketsInterest rates can have both positive and negative effects on U.S. stocks, bonds and inflation.
Economic Factors That Affect The Forex MarketKnowing the factors and indicators to watch will help you keep pace in the competitive and fast-moving world of forex.
Bond Spreads: A Leading Indicator For ForexHere we examine some telling patterns in the relation between countries' interest rates and their currency pairs.
Top 8 Most Tradable CurrenciesCurrencies can provide diversification for a portfolio that's in a rut. Find out which ones you need to know.
Personal Finance
How Interest Rate Cuts Affect ConsumersTraders rejoice when the Fed drops the rate, but is it good news for all? Find out here.


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An abysmal error rate and a ''soft'' second half brought the ACT Brumbies crashing back to reality as they produced their worst performance of the Super Rugby season last night.
They struggled under pressure as the Queensland Reds got their title defence back on track with a 20-13 victory at Suncorp Stadium.
It was a match which could have sent the Brumbies well clear at the top of the Australian conference.
Instead they will limp back into Canberra needing to immediately regroup to avoid losing three consecutive matches.
After a dream start to the Jake White era, the Brumbies crumbled under pressure and couldn't hold onto the ball long enough to be a threat.
They won three of their first four matches, but have now lost their past two and will be desperate to beat the Melbourne Rebels at Canberra Stadium next Saturday night before their two-week trip to South Africa.
The Brumbies turned the ball over 27 times and skipper Ben Mowen lamented the woeful ball control and inability to build momentum.
Adding further pain is the fact they have won just one of their past 13 games away from Canberra.
''You create your own luck, we didn't get the start we wanted and then followed it up with a pretty soft second half,'' Mowen said.
''They played really well and I was a little disappointed with where we're at.
''We just have to move forward … they defended well, we just have to be more decisive.
''I didn't know [the amount of turnovers] was that high, but it's disappointing, I definitely felt the rhythm of the game reflected that figure.
''There's a lot of lessons to learn out of that … we have to take that out of our game.''
The Brumbies surrendered a 16-year winning record in Brisbane as the Reds defeated the ACT side for the first time at home.
Despite having most of their star power on the sideline, the Reds shocked the Brumbies with a two-try five-minute burst before half-time.
The defending champion was intent on ending its woeful three-game run in its first match in Brisbane for a month.
The Brumbies launched a late fightback when Reds flanker Liam Gill was sin-binned.
But constant dropped balls and misdirected passes made the Brumbies their own worst enemy and allowed the Reds to hold on for a seven-point win.
Queensland captain James Horwill described the win as ''not pretty'', but the triumph will breathe new life into the Reds.
Rookie Reds flyhalf Sam Lane had a rough Super Rugby initiation.
He shanked his first attempt at goal and missed a straightforward shot from 32 metres out in front of the posts.
His missed shot sparked the Reds into attack. Winger Ben Tapuai made a bust down the sideline and passed to Scott Higginbotham.
Despite Nic White appearing to tackle Higginbotham into touch, the television match official awarded the try and the Reds opened the scoring.
Just five minutes later the Reds got their second five-pointer.
After his early troubles with the boot, Lane put a chip over the top and won the race to the ball.
He got a second kick away with Rod Davies then producing a brilliant flick pass to Higginbotham, who scored untouched.
The Brumbies' early-season enthusiasm and confidence which helped them to a flying Super Rugby start deserted them.
And their frustration boiled over in the second half when Dan Palmer and Ben Daley traded punches.
Michael Hooper got the Brumbies back in the match when he was injected into the contest in the second half. He stole the ball at the breakdown and the Brumbies sent it wide with Joseph Tomane breaking three tackles to score his team's first try.
But Lane delivered the killer blow in the last minute with a penalty to seal the seven-point triumph.


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Health Careers Fair
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Health Interprofessional School Fair
Health professional schools and colleges from around the country were invited to exhibit at this event on March 31, 2015. It was a great opportunity for students to ask admissions representatives specific questions about their schools. Full school list with contact information available online.
Explore health careers by taking a credit course...today! Wondering which health career would be a good fit for you? Thinking about becoming a physician? Find out which course is right for you.
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Basic Information about Guarantor Loans
As should be obvious, there are various good and bad to underwriter credits. Mainly, guarantor loans are able to give you a lower rate than other credits. Yet you need to find a willing guarantor first. At last, however, the choice with respect to whether the good exceed the cons will also rely upon the amount you require from the credit. It will also rely on how well it looks compared to the options you have accessible to you. This credit is a sort of advance that requires there to be an underwriter, along these lines the term.
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Regularly, these advances are offered to those with awful FICO score. The motivation behind the loan is to have somebody who will promise that the debtor will make dues, or else they will make the dues themselves. Anybody can go about as your insurer. That is, given that the individual doesn't live in the same location as you, is not your life partner or accomplice, and is not fiscally connected to you. He or she might be a relative, companion, associate. He or she can be any individual who truly needs to help you yet don't have the money related ability to do as such.


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Chasing Unicorns
After first qualifying for the Boston Marathon in October 2008, I, probably like many first-time qualifiers, spent the next 18 months obsessively checking the BAA's website, double-double checking matters such as the date and starting time of registration, the date of the race, the mandatory events in related to the race, and about any other thing there was to obsess about that was in any way associated with the race. Thanks to the numerous viewings and re-viewings of the information I firmly committed the dates and times and locations to memory, but there was also an image that became fixed in my memory: a unicorn (Fixed to the point that a couple nights before my first Boston Marathon I had a nightmare in which I was running the race being chased by the BAA unicorn which was trying to impale me upon its horn. Also, please immediately stop psychoanalyzing me.). The BAA's unicorn logo was splashed all over the organization's website, and I would come to find out it was splashed all over the Boston Marathon program, expo, and even the race itself. For a race held in such high esteem, the image seemed confusingly somewhat childish, and to a male, even girlish, and so I had to know: why a unicorn?
According to popular belief, it was chosen due to its place in mythology as a figure which can be pursued, but never caught. However, that BAA says it was probably taken from the coat of arms of one of its members, and has remained as a symbol of striving for athletic excellence. However, it's always been the first ideal that has remained in me, the worthy pursuit of an end that can never be reached. At first, it seemed such a fitting symbol for those who dreamed of running the marathon and never had, who've toiled for years chasing the elusive BQ. But the more I saw the insignia, and the more I obsessed with the Boston Marathon, the more perfect the symbolism became to me, a symbol for the physical excellence for which we strive as runners, the pursuit of not being best, but better. Nothing could better symbolize our own fleeting excellence than the unicorn, the excellence that we catch a glimpse of for a moment, so close to our physical potential, only to vanish in the next instant. No matter how well the race is run, we're inherently always short of perfection. No matter how great the performance, our pride is always balanced with the knowledge that somewhere out there is another second. Somewhere in our training, our diet, our race plan, the execution of the race plan, there's another second. And when the race is finished, either the enthusiasm of our success or the sting of our failure begs us to ask where that second might be, and how we can get it? But even if we are diligent enough, fortunate enough to pinpoint its exact location, where does the drive come from to make the attempt to capture that second?
Prior to this year's Boston Marathon, I did something I'd never done before any marathon: publicly stated my goal. Goals are something I've always kept close to the heart, not wanting the opinion of other to dissuade what I know I am, what I know I can become. But thanks to an article in a local newspaper, this year my goal was very public, available for the world to see. And this is where I realized my motivation to capture that second: the chasing of an entirely different unicorn.
Of failure I was not afraid. I've obviously failed on many occasions in running and in life. To return home to people who knew I fell short of that goal, having to explain over and again (to people who really don't understand) what wrong, having people I didn't know think I was some sort of fraud, these things didn't scare me; I found nothing to increase the rate of improvement like a tremendous failure. But I was worried that one person would see. That she would wake up to read the paper the morning after Patriots' Day and see me fall inexplicably short of that goal and think less of me, that I lacked the mettle it took to be a runner, to be a man.
"She" is a girl I see around from time to time. She's pretty and friendly, and although I've never actually seen it, I'm quite certain she has perfect penmanship. She's simply lovely. We converse from time to time, though always brief, mostly because I try to escape before I run out of things to say and she realizes (if she already doesn't) that I'm really rather dull or before I realize she may indeed be imperfect. I definitely knew she was aware I was running Boston, but very uncertain as to whether she actually cared, quite certain she was unaware that I cared if she cared, and absolutely unsure if she would care that I cared if she cared. When my personal standard of success became public record available to her, I became acutely aware of the depth of my concern. I realized that during the lonely miles I ran early in the mornings or late at night, the fictitious conversations I would have to pass the time were with her. When I needed to dig deeper during a speed workout or tempo run to hit a goal time, it wasn't fear of the pains of failure that helped me to dig, it was the fear of her knowing about my failure. I would run through the streets hoping for the coincidence that she'd be driving down the same street, and would be impressed by my commitment and resolve during the cold winter months, or perhaps by the ease or strength with which I ran. It was as if my goal was as much about running well as it was to win her admiration in doing so.
When I crossed the line in exactly my goal time, there was just as much joy as relief. Hopeful she'd find out, optimistic she could view me a success, confident she at least wouldn't view me as a failure. In retrospect, it is such a bizarre dichotomy to think how unaware she was that the infrastructure of my determination was the desire for her approval, that her admiration was really the unicorn I saw in the distance, chasing, hoping to catch. When it would have been easier to stay in bed or stay inside, or to give in the urge to slow down or have another cookie, the sight of her potential affection on the horizon kept me focused, made a goal time written in ink a reality on pavement. It was chasing that unicorn that helped me to for a day to catch a glimpse of the unicorn that is athletic excellence, for a day to feel so close to that excellence that I could touch it. And while it is impossible to ever fully grasp the unicorn that is athletic excellence, I can be hopeful that a day will come when I can be certain that I've earned her admiration. That one day I will cross a finish line, look up, reach out, and tangibly grab a hold of her. The day I will have finally caught a unicorn. But after years of living in world knowing that what I'm chasing can never be caught, one question remains: what the heck do I do when I catch her?


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UC Regents committed to their stand on Israel
Contrary to the view expressed July 19 ("Saifuddin's confirmation is heartening"), the University of California Board of Regents remains committed to its stand against singling out Israel for divestment.
In May 2010, the chair and vice chair of the regents joined President Mark G. Yudof in a statement reaffirming the board's policy "to divest from a foreign government or companies doing business with a foreign government only when the United States government declares that a foreign regime is committing acts of genocide. The U.S. has not made any declaration regarding the State of Israel."
As Regent Sherry Lansing said before the vote on Sadia Saifuddin as student regent, she, I, Vice Chair Fred Ruiz and Yudof were voting for Saifuddin out of respect for the nomination procedures. She added: "We disagree with your position on divestment, but we do so respectfully. And we leave you, Sadia, with the hope that you are going to be as supportive of the values of free speech and civility of discourse — for opposing points of view as well as your own."
Bruce D. Varner
Chairman, UC Board of Regents Oakland
Schools deserve better leader than De La Torre
In your editorial ("School leader must repair damage," July 28) you document the failures of county Superintendent Xavier De La Torre and the Board of Education's opinion that his performance has been unsatisfactory. You conclude that he needs to start fresh by building relationships, articulating goals and winning trust. It is unfortunate that you have set the bar so low.
De La Torre is compensated in the top 1 percent in the public or private sector. He was hired and paid for his seemingly vast experience and track record of success. He has failed dramatically.
The editorial seems to suggest that he be put on a performance improvement plan. Being compensated as "the best of the best" while attempting to master basic skills of management is reckless. Management responsibility for 1,700 employees and more than 250,000 students is too important to be shepherded by someone whose focus will be on rehabilitating an entry-level skill set. The public schools of our community deserve better.
Terry Dyckman
An open challenge for BART union members
I challenge every BART union member to secure a private-sector job offer with the same (or better) pay, benefits and retirement as their current contract. Let's give them 30 days to find these job offers.
If any one union employee finds such an equivalent gold-plated job, then BART management agrees to all the union demands in a new contract. But if not a single of the BART employee is able to find such a sweet deal in the private sector, then the union agrees to stop holding commuters hostage and give thanks for their good fortune.
If the union members truly believe they are under-compensated, they would gleefully accept this challenge, right? For example, surely the BART janitor making more than $82,000 will easily be able to justify the requested 20 percent increase.
Brian Elwood
San Jose
Disagreeing with views on the undocumented
Perhaps I am starting to understand Charlie Larson's logic (Letters, July 26) when he asks for nonresident tuition for undocumented students and when he encourages more city and town governments to report undocumented residents to the immigration service. Perhaps it is a different interpretation of Matthew 5:10, "Blessed are those who are persecuted because of righteousness: for theirs is the kingdom of heaven." Perhaps he hopes to bring them closer to God.
But I still disagree.
Bob Greene
Mountain View
Funding legislators is essentially bribery
Jeff Cherniss (Letters, July 26) says, "Google's funding of friendly legislators demonstrates support for those who sync with its values, not 'pay-for-play.'"
But when you have to fund your legislators to support your values, that is not a demonstration of free speech. In fact, in most countries it is called bribery!
Judith Gremer
'Population bomb' is a proven myth
In regard to "Should You Have Kids?" (July 28): It is all well and good to decide carefully whether to have children, but who is going to pay the childless generation's Social Security check?
Are we to suffer as whole cities in Europe are now, with no base to take care of the increasingly aged population? Are we to accept foreign immigration to fill the void the no-child movement creates in our labor force, creating a sea change in our standard of living and way of life?
The "population bomb" is a myth. Several prominent studies have proved this. The population of the world could fit into the state of Texas and not have the density of Manhattan! Feel free to compute it.
Dan O'Connell
San Jose


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#ProdMgmtTalk March 4, 13 Disrupting Enterprise Software And Corporate IT w/ @cowanSF
Alex Cowan, CTO, Leonid Systems And Author, 'Starting a Tech Business' Discusses How To Disrupt Enterprise Software And Corporate IT In Six Steps
While 17-year-old's were creating hit mobile app's and Facebook was inventing the great new American pastime, corporate IT and enterprise software remained relatively incremental, plodding through release cycles in roughly the same fashion as they had decades prior. No more. The same trends and tools that have dramatically raised the quality bar in consumer applications are doing the same thing to corporate IT and enterprise software. If you haven't heard about 'design thinking' or 'Lean Startup' you probably will soon. The big paradox about these two incredibly powerful ideas is that they're almost universally liked, yet rarely practiced in full. The hardest part is getting started- the rest is easy.
Alex Cowan, CTO of Leonid Systems and author of 'Starting a Tech Business' will talk with host, Cindy F. Solomon, about essentials of how to build an effective foundation for regular application of these ideas within enterprise software and corporate IT environments on Monday, March 4, 2013 at the simultaneous times of 10:00 AM Pacific Time, 11:00 AM MST Denver, 12 Noon CST Chicago, and 1:00 PM EST Boston.
Participants are welcome to listen live at http://www.blogtalkradio.com/prodmgmttalk, call in to talk on the show (323) 927-2957 and to participate on Twitter by following @ProdMgmtTalk and tweeting using the hashtag #ProdMgmtTalk.
Alex says, "I look forward to discussing what's currently happening in corporate IT and enterprise software on the Global Product Management Talk. I think what you're going to see over the next couple of years is a huge uptick in quality that will substantially affect internal users well as external customers- not to mention the health of the companies providing these solutions."
Alex will be presenting on the AIPMM webinar series on Friday, March 8, 2013
Monday, March 4, 2013 at the simultaneous times of 10:00 AM Pacific Time, 11:00 AM MST Denver, 12 Noon CST Chicago, and 1:00 PM EST Boston.
Participate by tweeting using the hashtag #ProdMgmtTalk to be entered into drawing to win a hard copy of Alex's book: Starting a Tech Business (Wiley, 2012), a primer for non-engineers who want to up their game with the latest techniques and foundations concepts in product development.
Background resources: http://bit.ly/VO7CnW
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Q1 What's wrong with current Enterprise Software and Corporate IT? http://bit.ly/Y13uOk #prodmgmt #prodmgmttalk
Q2 How do you propose disrupting key business infrastructure systems? http://bit.ly/Y13uOk #prodmgmt #prodmgmttalk
Q3 There's so much legacy investment in current enterprise software and corporate IT systems for good reason. How do you justify deconstructing this foundation? http://bit.ly/Y13uOk #prodmgmt #prodmgmttalk
Q4 Lean methodology & customer development work well for new product development - how are they relevant to corporate IT & enterprise software? http://bit.ly/Y13uOk #prodmgmt
Q5 How do you apply Agile approaches (which work well for small groups) to huge enterprises? http://bit.ly/Y13uOk #prodmgmt #prodmgmttalk
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About Alex Cowan
Alex is the CTO of Leonid Systems, an enterprise software startup with offices in the Bay Area, Washington, Toronto and various points abroad. Leonid works with communications and SaaS providers on innovative solutions to leverage and growth their franchise. He's also the Author of 'Starting a Tech Business' (Wiley, 2012), a primer for non-engineers who want to up their game with the latest techniques and foundations concepts in product development.
site: www.alexandercowan.com
email: email@example.com
twitter: @cowanSF
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A broadcast discussion of vital issues affecting professionals passionate about product excellence, business process, product management, startups, marketing, innovation, and methodology. The Global Product Management Talk is a featured business podcast on the BlogTalkRadio network produced by Cindy F. Solomon, CPM, CPMM for passionate product professionals and business owners who want to teach, learn & network about what it takes to produce successful products in an open digital environment inviting live participation. The transcript of Tweets and podcast are available following the event for on-demand consumption on the web, iTunes, Google Play and mobile devices. Get reminders and listen live by following http://www.blogtalkradio.com/prodmgmttalk
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Sprint.ly is project management software that brings in the entire corporation to the software development process by showing managers and non-engineers a top-level view of what the programmers are doing.
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Startup Product welcomes everyone passionate about product excellence, regardless of title, industry, or stage of growth, to come together to share, learn and talk about what it really takes to produce products that people love and how to build sustainable businesses and revenue streams based on product excellence.
Everyone is encouraged to contribute their point of view, workshop their product dilemma, share their lessons learned in the process of shepherding products from idea to inception to build to launch and beyond. We need a place where all perspectives and orientations of what the product requires are welcome. Everyone who sheds light on specific areas that are essential to product excellence are welcome to present and contribute to the conversation.
There is a lifecycle that every product, startup, idea and project passes through to be realized. Focusing on where the product is in its lifecycle enables a conversation that brings us all together on what will serve the product most to arrive at product/market fit, sustain growth and generate revenue streams.
We welcome people from all disciplines and stages of product evolution:
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Global Product Management Talk On Disrupting Enterprise Software And Corporate IT. Alex Cowan, CTO, Leonid Systems And Author, 'Starting a Tech Business' Discusses How To Disrupt Enterprise Software And Corporate IT In Six Steps - PR12088060
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Web Events on Disrupting Corporate IT and Enterprise Software – Starting a Tech Business
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This is an introductory video for the book 'Starting a Tech Business' (see ALEXANDERCOWAN.COM for more info). If you're an aspiring entrepreneur, "intraprene...
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Global Product Management Talk presents Global Product Management Talk on Twitter @ProdMgmtTalk -- Monday, March 4, 2013
Event Time Announcer - #ProdMgmtTalk Disrupting Corporate IT and Enterprise Software
Event Time Announcer shows time for #ProdMgmtTalk Disrupting Corporate IT and Enterprise Software in locations all over the world. In San Francisco it happens on lundi 4 mars 2013, 10 h 00 m 00.
Enterprise Software is Not Gangnam Style | Sandhill
Enterprise software has never been sexy compared to consumer software, but in 2013 it will become hot! Software vendors have an opportunity to move to a new paradigm due to the consumerization of IT, but it will require paying more attention to customers. This article describes the disruption of cloud and mobile technologies.
Alex Cowan at December 2012 Event : SVPMA
"Creating New Products – A Case Study on Application of Proven Principles that Work" with Alexander Cowan, CTO, Leonid Systems By Cindy F. Solomon
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Alex Cowan, CTO, Leonid Systems And Author, 'Starting a Tech Business' Discusses How To Disrupt Enterprise Software And Corporate IT In Six Steps Alex says, "I
Starting a tech Business – Starting a Tech Business
March 4 2013 Tweet Transcript - #ProdMgmtTalk
Produced by @CindyFSolomon For People passionate about product success that don't get a chance to leave their desk and participate in Product Talks in person, we bring Product Talks to you via podcast & Twitter Chat weekly. Follow http://www.blogtalkradio.com/ProdMgmtTalk On Twitter @ProdMgmtTalk Use hashtag #ProdMgmtTalk
#ProdMgmtTalk March 4, 13 Disrupting Enterprise Software And Corporate IT w/ @cowanSF


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BLACKBURN terrorist turned al Qaeda supergrass Saajid Badat is set to give evidence in two major US trials.
Arrested in the town in a high-profile raid in 2003, he had his 13-year-prison sentence cut to 11 years in 2012 after agreeing to give evidence against his former conspirators.
Released after six years of his sentence and put into witness protection by the UK security services, the would-be 'shoe bomber' gave evidence in April 2012 by videotape in the New York trial of Adis Medunjanin.
Medunjanin was convicted of the 2009 plot to attack New York's subways with suicide bombs.
Now US Justice Department and security sources have revealed Badat will be a key witness in two more trials.
The first involves hate preacher Abu Hamza, claimed to be a 'terrorist with a global reach'.
The second deals with al Qaeda founder Osama bin Laden's son-in-law Sulaiman Abu Ghayth.
As well as the two New York trials, Badat could be called to give evidence against 9/11 mastermind Khalid Sheikh Mohammed at a military tribunal at Guantanamo Bay detention camp in Cuba.
All his appearances will be by video-link as he fears arrest if he sets foot in the United States.
The Gloucester-born 33-year-old arrived in Blackburn in December 2001 and rose through the ranks of local mosques, studying at the College of Islamic Knowledge and Guidance, in Moss Street, Little Harwood, before becoming radicalised.


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Time Schedule:
Eric W Zivot
Seattle Campus
Estimation and testing in linear and nonlinear regression models. Asymptotic theory, bootstrapping. Theoretical developments are reinforced with a variety of empirical examples and applications. Prerequisite: ECON 580, ECON 581, ECON 582 or equivalent.
Class description
This is a general course in econometric theory for second year Ph.D. students in economics. The main goal of the course is to develop the econometric and statistical tools necessary for reading and understanding the current literature in econometrics. A secondary goal is to introduce some current research topics in econometrics. The main focus of the course will be on estimation and inference in econometric models using the generalized method of moments and maximum likelihood techniques.
Student learning goals
General method of instruction
Lectures and lab assignments
Recommended preparation
Class assignments and grading
Homework assignments will be a combination of technical questions and empirical applications using various software.
Homework assignments, midterm exam, and final exam.


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A SUPPORT group for Fibromyalgia are planning to celebrate their two year anniversary with a big party in Burnham.
The party, which is set to be held on May 12 between 1pm and 4pm, will also double as an awareness day for the condition.
Sam Everiss, group member, said: "Fibromyalgia and ME are often misunderstood conditions, so as a support group we aim to raise as much awareness as possible and let fellow sufferers they are not alone."
The event is being held at Somerset Skills and Learning on Princess Street in Burnham.


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Intellectual Property Law
Intellectual Property Law Questions? Ask a Lawyer
Thank you for your answer. It confirmed what I thought. I just do not like the answer. Why should my company be forced to use Zipforms? I found a vendor that will allow us to put the forms on the site, sign on the site and manage the transaction on the same site. Currently, that takes 3 different vendors. I have started the process to get the company licensed that I want to do business with but it is a long process and the association is not playing nicely. They keep talking about "keeping the integrity" of the forms as if I do not want to keep the same standards. Sorry, I am just venting. Thank you for your time.


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This is the official Nokia 515 User Guide in English provided from the manufacturer. If you are looking for detailed technical specifications, please see our Specs page.
The Nokia 515 is a feature phone. Its specs include a 2.4" display, 64 MB RAM, microSD card slot for up to 32 GB memory, 5 MP camera and FM radio with RDS and recording. It also offers a dual-SIM variant.


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Ford's Jari-Matti Latvala has said he will be looking to come back refreshed after the WRC's summer break.
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Ford's Jari-Matti Latvala has said he will be looking to come back refreshed after the WRC's summer break.
Latvala's miserable season continued in New Zealand and while he was in contention early on, his hopes ended late on day one when his car hit a hole and spun into a fence in SS7. Although there was no damage, some wire became wrapped around a wheel and the car was unmoveable until the crew used some clippers to cut it free.
The incident relegated Latvala to ninth, costing him over four minutes, and while he fought back to finish seventh, with no chance of a podium, he opted to test revised differential settings on his Fiesta RS WRC over days two and three. He is now hoping to feel the benefit of that when the championship reconvenes for Rally Finland at the start of August.
"It's good that the summer break is here and I can try to relax and come back with a refreshed spirit for the second half of the season. I want to analyse everything that has happened so far this year, get rid of any negative thoughts, and move forward," he said.
"On Sunday [the final day in NZ] I started to regain my speed and confidence and I was happy to earn bonus points for winning the Power Stage.
"I struggled on Friday [day one] and after my spin I focused on testing. That brought some good ideas for the next round in Finland.
"Looking at the points, I have no chance for the drivers' championship now but the main thing will be to keep fighting for victory on every rally," concluded the 27-year-old.


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The 'Wall Street' actor has been chosen to serve as the presenter at the 2012 Academy Awards, joining other A-listers, including Tom Cruise, Angelina Jolie, Halle Berry, and more.
Another A-list actor has been added to the stellar list of presenters for the 2012 Academy Awards. On Monday, February 20, Oscars telecast producers Brian Grazer and Don Mischer announced that veteran thesp Michael Douglas would do the honor to tackle the presenting duty at the upcoming prestigious prize-giving event.
It is still unclear what prize Douglas will present at next week's Oscars. The two-time Oscar winner has presented the Best Picture kudo three times before, including in 2003. At that time, along with his father Kirk Douglas, he presented the coveted award to "Chicago", in which his wife Catherine Zeta-Jones starred in and won the Best Supporting Actress trophy.
Douglas is set to join other big names who have previously been picked to serve as the presenters at this year's Oscars. They include Halle Berry, Tina Fey, Bradley Cooper, Tom Cruise, Cameron Diaz, Penelope Cruz, Angelina Jolie, Tom Hanks, Milla Jovovich, Ben Stiller, Emma Stone, the cast of "Bridesmaids", and also "The Muppets" iconic puppets Kermit and Miss Piggy.
Academy Awards for outstanding film achievements of 2011 is scheduled to be held on Sunday, February 26, at the Kodak Theatre at Hollywood & Highland Center. With Billy Crystal serving as the host for the ninth time, the much awaited show will be televised live in more than 225 countries by the ABC Television Network.
As for Douglas, the actor was most recently seen starring in Steven Soderbergh's female-centric action movie "Haywire". He will next be seen in another Soderbergh's project, "Behind the Candelbra", a biopic about famed pianist Liberace.


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London, May 22 (ANI): Cricket commentator Ian Botham has said that England's opening bowlers James Anderson and Stuart Broad will make the Ashes series even more difficult for the Australians.
The combination of Broad and Anderson with their skills and abilities will prove tough for the Australians as while Broad uses his pace and height to devastating effect; Anderson uses his swing and his craft to keep batsmen guessing, the Mirror reports.
Botham said that if Broad and Anderson are able to keep with their fitness levels and forms throughout the summer, they will make it a miserable game for their opponents during Ashes.
Botham congratulated Anderson after he reached the milestone of taking three hundred test match wickets at Lord's and said that Broad's performance in the second innings was also magnificent. (ANI)


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Sarah Jessica Parker Lovely All Over Body Tonic
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- Product Info | Add Your Review
Sarah Jessica Parker Lovely All Over Body Tonic Reviews
Where can I buy this?I love this fragrance. It's scent is mild and welcoming and not overwhelming. I cannot find it to purchase anywhere in canada or US. Please help me find it — 6 years, 10 months agosoraya_sookdeo | 1 reviews
This review is: Helpful | Not helpful | Inappropriate | 1 of 1 people said helpful
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My Reasons for Reporting This


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IWSC 10th Annual Spirits Tasting at Vintners' Hall
The IWSC hosted its 10th Annual Spirits Tasting at Vintners Hall in London this week. A very exciting event showcasing the best of the best, with more than 200 winning spirits from all over the globe!
Thank you all for coming and once again, congratulations to all the winners!
For expert help contact our operations team
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Our operations team are always available to offer expert assistance. Please call us or click to discover the many other ways we can assist you.
Be the best in the world. Enter the IWSC 2017 competition for your chance to win
Download the Drinks Business Supplement and the IWSC brochure to learn more
Download the Drinks Business Supplement
Clone your entries from previous years
You can now clone your entries from previous years, click on the link to learn more.
The IWSC Entry Categories for the 2017 competition
We have revised our entry categories for this years competition, download our complete category list to discover more
The IWSC unveils shortlist for Spirits Communicator of the Year
London, August 2017 : Ahead of the International Wine & Spirits Competition's Annual Awards Banquet, the much-anticipated shortlist for the Spirits Communicator of the Year Award, sponsored by Chivas Brothers,Mais
English Wines Awarded Record Number of Medals
Announced at the prestigious London Wine Fair, the results for the Northern Hemisphere highlight the changing face of wine production globally. Judged by carefully-selected panels of industry experts, including MastersMais
Notícias da IWSC
IWSC at London Wine Fair 2017
What was your favorite or most memorable 2017 London Wine Fair or IWSC stand visit moment? Let us know! Tweet us @theIWSCMais
Quick Links
Latest Winners
- "When we win those trophies, people around the world listen. They are serious awards. The opportunity to sell more expensive wines with more personality in independents and the on-trade has never been greater."Neil McGuiganCEO, Australian Vintage, 2015 IWSC President
- "It's a great honour to win especially as nowadays people are focusing on the quality not just the numbers, so it does mean a huge amount getting recognition from an institution as well sought after as the IWSC."Chris BlandyOwner, Blandy's Wines
- "This will be a recognition that will help in building the brand further, and building its prestige around the world."Victor FuentesDirector General, El Coto de Rioja S.A
- "The IWSC is a well renowned, well looked up to standard and a symbol of premium products so it's a great achievement to win any award."Andrea FreeboroughCellar Master, Nederburg Wines
- "The competition and the way it's judged is outstanding. The wines go through the ringer so if you win any medal you should be very happy. The banquet night is something that all wine makers from around the world want to attend, so to come here is fantastic!"Neil McGuiganCEO, Australian Vintage, 2015 IWSC President


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2 items from 2012
4 September 2012 7:35 AM, PDT | HollywoodChicago.com | See recent HollywoodChicago.com news »
Chicago – When the Academy nominates a film before it's even been released in America, they end up doing it a disservice. Once the film finally shows up on American screens, the Oscar nominations have already faded from memory. This method also allows the Academy to ignore all the great films that audiences have actually seen during the past twelve months.
Instead of nominating a widely praised gem like Abbas Kiarostami's "Certified Copy," which received a March 2011 U.S. release, for the 2011 Oscars, the Academy chose unknown pictures such as Philippe Falardeau's "Monsieur Lazhar," which didn't receive a U.S. release until April 2012. But as Lou Lumenick recently reminded me via Twitter, critics can do whatever they want. Thus, I am declaring "Monsieur Lazhar" as one of the very best films of 2012, and the only one (so far) that has caused me to weep.
Blu-ray Rating: 5.0/5.0
Perhaps »
- firstname.lastname@example.com (Adam Fendelman)
24 January 2012 11:34 AM, PST | SneakPeek | See recent SneakPeek news »
The Canadian French-language feature "Monsieur Lazhar', nominated in the Best Foreign Language Film category @ the upcoming 84th Academy Awards, is the 2011 drama directed by Philippe Falardeau, adapting a one-character play by Évelyne de la Chenelière :
"...in Montreal, after an elementary school teacher kills herself, 'Bachir Lazhar', an Algerian immigrant, is quickly hired to replace her while still grieving over the loss of his activist writer wife, who was killed in an arson attack.
"Despite a cultural gap, Lazhar quickly gets to know his students after the first lesson. As the class tries to move on from their former teacher's suicide, nobody at the school is aware of Bachir's painful past and the fact he could be deported at any time given his status as a refugee..."
Cast includes Mohamed Saïd Fellag, Sophie Nélisse, Émilien Néron, Danielle Proulx, Brigitte Poupart, Jules Philip, Daniel Gadouas, Louis Champagne, Seddik Benslimane, Marie-Ève Beauregard and André Robitaille. »
- Michael Stevens
2 items from 2012
IMDb.com, Inc. takes no responsibility for the content or accuracy of the above news articles, Tweets, or blog posts. This content is published for the entertainment of our users only. The news articles, Tweets, and blog posts do not represent IMDb's opinions nor can we guarantee that the reporting therein is completely factual. Please visit the source responsible for the item in question to report any concerns you may have regarding content or accuracy.See our NewsDesk partners


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Public Transportation
The Brookline District Court is accessible by the Riverside D- Green Line of the MBTA. The closest stop to the courthouse is the Brookline Village Stop. The courthouse is also accessible by the following bus lines: Bus 60 (Chestnut Hill-Kenmore Station), Bus 65 (Brighton Center-Kenmore via Washington Street) and Bus 66 (Harvard Square-Dudley Station via Allston).
There is street metered parking available as well as a metered parking lot across the street from the courthouse on School Street.


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Crews from Truro, Falmouth and Helston were called to a 'large' property fire at Old Kea, Truro in the early hours of this morning.
The firefighters used a main jet and hose reel at the home measuring approximately 20 metres by eight metres, at 12.33am.
The water carrier from Helston and support vehicles from St Just, St Dennis and Falmouth also attended.
By 12.44am the incident was scaled up, with six pumping appliance at the scene, including crews from Perranporth and Camborne.
By 5.12am two appliances remained damping down.
A fire service spokesman said The property had been severely damaged by the fire. A fire investigation was set to be carried out this morning.


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Forging Alloy Steel 4017
|Chemical Analysis
.15 – .20
0.20 – 0.35
.040 max
.040 max
0.20 – 0.30
General Characteristics of AISI 4017
This steel is used as a surface-hardening grade. It typifies a range of carbon content found in, say, a 4015 or 4020 type analysis. The molybdenum addition is for prevention of temper brittleness.
Forging AISI 4017
AISI 4017 may be forged as high as 2250ºF (1230ºC) and down to a temperature in the region of 1700ºF (925ºC.) The parts will be air cooled following forging.
Forging Applications
AISI 4017 finds uses in the production of forged gears that are subsequently carburized.
Heat Treatment
Annealing: This grade of steel would rarely be annealed and in fact for optimum machinability an as-forged structure is preferred. A normalizing treatment is recommended in the event that complex forged shapes result in varying structures throughout the parts.
Normalizing: A normalizing treatment may well be necessary during the production of forged gears. A temperature of 1700ºF (925ºC) is recommended, followed by air cooling.
Carburizing: The steel would be carburized at 1650-1740ºF (900-950ºC) followed by water quench for large components of simple shape only, otherwise oil quench.
Hardening: AISI 4017 would be austenitized at a temperature in the region of 1525-1575ºF (830-860ºC) and water quenched in the case of large, simple shapes, otherwise oil quenched.
Tempering: Parts would be tempered at temperatures, based on past experience, that would result in the required mechanical properties.
Machinability: AISI 4017 is readily machined from either an as-forged or normalized structure.
Weldability: AISI 4017 may be readily welded, but only prior to case hardening and subsequent heat treatment.
To Send a Request for Quote, please Click Here, or call 1.973.276.5000 or fax 1.973.276.5050.


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|You are in: UK: Wales
Friday, 1 February, 2002, 09:08 GMT
Weather causes chaos for rugby fans
Thousands of Welsh rugby fans face an anxious wait to see if they can get to Ireland by ferry in time for the Six Nations match in Dublin despite the disruption caused by bad weather.
Ferry companies said they were still hopeful of getting all stranded passengers across the Irish Sea for Sunday's game.
Irish Ferries' sailings from south west Wales between Pembroke and Rosslare have been cancelled for Friday, while Stena Line said its afternoon sailing from Fishguard was looking unlikely.
Stena said its Friday afternoon sailing from Holyhead was also in doubt.
Travel agents have reported that flights to Ireland from Cardiff, Manchester and London have been booked up fast as fans seek alternative transport.
Passengers hoping to travel on the early Friday morning sailing from Fishguard were also disappointed when they were asked to rebook.
Stena Line had earlier cancelled its 0315GMT sailing on Friday from Fishguard, west Wales, to Rosslare, but was still undecided whether the 1430GMT sailing would go ahead.
If sailings can take place, the company has said it would then run virtually non-stop shuttle services across the Irish Sea in order to get all the supporters across, weather permitting.
As well as cancelling its Pembroke sailings on Friday, Irish Ferries has also called off its Dublin Swift fast ferry services from Holyhead, north Wales, to Dublin - the fast ferries can be stranded in bad weather.
However, with winds gusting up to 70mph that service may also be in doubt.
P&O said it was still taking bookings on its Ambassador ferry services from Mostyn, north east Wales, to Dublin for car and coach passengers only.
Its 0130GMT sailing left Mostyn for Dublin around half an hour late on Friday, while the 0930GMT sailing was also expected to go ahead as planned.
On Saturday the Ambassador is due to leave at 0200GMT and 1000GMT, and Sunday at 0200GMT for a six or seven hour crossing.
Stena Line remained "seriously" concerned about the weather forecast for Saturday and said it had very few remaining tickets for its services.
Troubled games
The travel difficulties follow the frustrations of last year's postponement of the Wales-Ireland game at the Millennium Stadium in Cardiff due to the foot-and-mouth crisis.
The ferry companies say the main problem in bad weather is not sailing - it is docking in port.
In 2000 when Wales last met the Irish in Dublin, fans were marooned at sea waiting for the conditions to improve for docking.
Milford Haven coastguards said it would be storm force nine or storm force 10 blowing through the Irish Sea on Friday - with gusts around 80mph.
Irish Ferries has now instructed its clerks not to take any further bookings for crossings because of the weather conditions.
The company said it wanted to hold the remaining space for passengers being transferred from other sailings.
Passengers can call the ferry companies for information on the following numbers:
Irish Ferries - 08705 17 17 17
Stena Line - 08705 755 755
P&O Irish Sea - 0870 24 24 777
See also:
19 Nov 01 | Wales
Port launches Irish ferry service
20 Mar 01 | UK
UK hit by 'atrocious' weather
24 Aug 98 | UK
Ferry passengers stranded
28 Mar 00 | Wales
Company cuts fast ferry services
04 Apr 00 | Wales
Rugby fans finally arrive home
Internet links:
The BBC is not responsible for the content of external internet sites
Top Wales stories now:
Links to more Wales stories are at the foot of the page.
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Spiral oven
September 3, 2007
FMC's GCO-II spiral oven offers three distinct cooking processes: steam and condensation to lock moisture into product; heated air and superheated steam to quickly cook product; and heated air at high velocities to add additional surface color development. The re-engineered drive system in the GCO-II oven has an expected lifetime of three years before requiring a re-build.
FMC FoodTech; 419-626-0304; www.fmcfoodtech.com
Did you enjoy this article? Click here to subscribe to Food Engineering Magazine.


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For those who have Medicare Parts A and B, it may be difficult to pay many of the additional out-of-pocket expenses such as copayments, coinsurance, and deductibles that are required. This is why a Medicare Supplement insurance policy can be helpful.
Medicare Supplemental insurance, also known as Medigap, coverage is a type of supplemental coverage to what Medicare covers.
If a Medicare participant has expenses that are not covered in the first place by Medicare, though, (such as non-essential cosmetic surgery), their Medicare Supplement policy generally won't pay for the coinsurance or deductible.
Also, as a general rule, Medigap policies do not cover custodial care or long-term nursing home or home care.
The law guarantees the availability of Medigap policies to all new Medicare enrollees without any medical examination if someone enrolls in Medicare Supplement within six months of their 65th birthday.
At that time, the individual cannot be denied a Medicare Supplement policy or be charged more for Medigap because of their health.
Congress established federal standards for Medicare Supplement policies in 1990. As part of the Omnibus Budget Reconciliation Act, Congress required the National Association of Insurance Commissioners to address the subject of Medicare supplement insurance policies.
Specifically, this group's task was to develop a standardized model Medicare supplement insurance policy that would provide certain "core" benefits, plus as many as nine other policies.
These model policies could then be adopted by the states as prototype policies for their insurers to offer as Medicare supplement insurance policies. The intent of this law regarding Medigap was to reduce the number of Medicare Supplement policies being offered for sale.
It also was intended to help consumers understand and compare Medicare Supplement insurance policies, thereby helping them make informed buying decisions by:
- Standardizing Medicare supplement insurance coverage and benefits from one policy to the next;
- Simplifying the terms used in those Medicare supplement insurance policies;
- Facilitating Medigap policy comparisons; and
- Eliminating Medicare supplement insurance policy provisions that could be misleading or confusing.
Available Medicare Supplemental Insurance Plans
Medicare Supplement, or Medigap insurance is specifically designed to supplement Medicare's benefits, and it is regulated by federal and state law. Medicare supplement insurance policies must be clearly identified as Medicare supplement insurance and must provide specific benefits that help fill the gaps in Medicare coverage – thus the name Medigap.
Other kinds of insurance may help with out-of-pocket health care costs, but they do not qualify as Medicare supplement, or Medigap, insurance plans. Unlike some types of health coverage that restrict where and from whom care can be received, Medigap policies pay the same supplemental benefits – regardless of the health care provider selected. If Medicare pays for a service, wherever provided, the standard Medicare supplement, or Medigap, policy must pay its regular share of benefits.
Although the benefits are identical for all Medicare supplement insurance plans of the same type, premiums can vary a great deal from one Medigap insurer to another and from area to area.
For many years, there were 10 standardized Medicare supplement plans. These plans were named Medicare supplement policies A through J, with Plan A being the most basic Medigap core benefits, and Plan J being the most comprehensive plan. Recently, however, additional Medicare supplement plans have been added.
These standard Medigap policies can help pay some of the costs in the Original Medicare Plan. If a participant is in a Medicare Advantage Plan, or Medicare Part C, they do not need a Medicare supplement policy.
Prior to June 2010, each standard Medicare supplement plan, labeled A through N, offered a different set of benefits, filled different "gaps" in Medicare coverage, and varied in price. Some insurers offered a "high deductible option" on Medicare supplement plan F. Several of the plans have been phased out and replaces by other letters. The current plans are:
- Plan A
- Plan B
- Plan C
- Plan D
- Plan F
- Plan G
- Plan K
- Plan L
- Plan M
- Plan N
For the most part, the basics regarding Medicare supplement policies have remained the same. However, with the June 2010 changes, some of the standard Medicare supplement plans have been eliminated, and new Medicare supplement plans have been introduced.
Every Medicare supplement policy must cover certain basic benefits. These basic benefits are as follows:
For Medicare Part A coverage:
- Coinsurance for hospital days (certain conditions apply)
- Cost of 365 more hospital days in your lifetime, once you have used all Medicare hospital policy benefits.
How and When to Enroll in Medicare Supplemental Insurance Coverage
The best time for an individual to purchase a Medicare Supplement plan is during the open enrollment period. This is the period of six months from the date that a person is first enrolled in Medicare Part B and their age is 65 or over.
It is during this time of open enrollment that an individual cannot be turned down by the Medicare Supplement insurance company due to preexisting conditions. Also, the individual cannot be charged a higher amount of premium due to poor health if they purchase a policy during this open enrollment period.
However, once the open enrollment period is over, the individual may not be able to purchase the policy that they want because of certain preexisting conditions. Therefore, should an individual with preexisting health conditions wait until after the open enrollment period is over before enrolling in a plan, then they may have a much more limited choice as to what plans – if any – that they may qualify for.
More from GFC, Below
If a person has not turned 65, but has Medicare Part B, then their 6-month open enrollment period for will begin with they become 65. (Note that there are some states that require at least a limited amount of time for open enrollment in Medicare Supplement for Medicare participants who are under age 65).
There are some instances when an individual can obtain a Medicare Supplement policy after their normal open enrollment period ends. In such cases, the Medicare Supplement insurance company cannot deny the individual coverage or even change the premium amount due to current or past health issues.
Some examples where this can happen include:
- When an individual has lost their health coverage and they are not at fault under a Medicare Advantage plan, a Medicare Supplement plan, a Medicare Select plan, or employer coverage.
- When an individual joins a Medicare Advantage plan for the first time and within one year of joining that plan, the individual decides that they want to leave Medicare Advantage
- There is a 63-day open window during which an insured must apply to the Medicare Supplement company and show them a letter of plan termination or involuntary termination.
In addition, if an individual is new to Medicare when they initially join a Medicare Advantage plan, then they could be able to choose any Medicare Supplement plan that they desire – provided that the Medigap company offers them for sale.
If the individual already had a Medicare Supplement policy prior to the time that the joined the managed care plan, then they could be allowed to obtain the same plan back again. If their previous plan is not available, then the individual will be guaranteed the right to purchase Medicare Supplement plans A, B, C, or F from any Medicare Supplement insurer that offers these plans in their state.
Prior to enrolling in a Medicare Supplement policy, an individual should determine if the desired plan excludes or limits coverage for any preexisting conditions after the open enrollment period ends.
In other words, approval by a state insurance department should not be confused with an endorsement of the policy. Once a Medicare Supplement policy is sold, the insurer should deliver the policy to the insured within 30 days.
How Much Does a Medigap Plan Cost?
Medicare Supplement premiums can be rated in a couple of different ways. With an attained age rating, the premium owed by the insured can increase as they get older. Therefore, if the individual purchases the policy when they are age 65, then they will pay a premium amount that the insurance company charges for 65 year-old insureds. Then, when the insured turns age 66, they will pay the amount of premium that is charged to 66 year-olds, and so forth.
If a Medicare Supplement policy, however, is issue rated, then the insured will pay the same amount throughout time, regardless of their increasing age. For example, if the insured is 65 years old when they purchase the policy, they will always pay the same rate that is charged to 65-year-old policyholders of that Medicare Supplement insurer.
Regardless of whether an insured pays premiums based on attained age or issue age, all premiums will typically go up each year due to inflation. There are, however, other factors that can affect the amount of premium that an insured pays. Some of these factors include whether or not the insured smokes as well as possible discounts for married couples.
In terms of raising rates from their street rate – the rate that is charged at the original purchase date – Medigap insurers may raise their rates in various ways. For instance, an attained age company could raise rates on an across-the-board basis, while the issue age company could raise rates for each "band" simultaneously.
Replacing Supplemental Medicare Coverage
Medicare Supplement policies are designed so that people will not need other similar coverage. If fact, it is not even legal for insurance companies to knowingly sell anybody a second Medicare Supplement policy – even if the coverage overlaps for just one day. The practice of selling more than one policy to an individual is known as stacking.
It is also illegal to sell someone a Medicare Supplement plan if they are already in a Medicare Advantage plan. Therefore, a Medicare Supplement replacement form was developed to be used if a person chooses to replace an existing Medicare Supplement policy with another plan.
Replacing a Medicare Supplement policy is not illegal if the benefits of the new plan will be better, or if the premium on the new policy will be equal or less than that of the current plan. It is also allowed if the new policy will contain fewer benefits, along with less premium due. In any case, an individual must be sure to have a good reason for switching from one Medigap plan to another. And it makes sense, too, that an individual should not keep an inadequate Medigap plan just because they have owned it for a long period.
Whatever the reason, all applicants must sign a notice indicating that they are aware of the differences in the replacement transaction. The Medicare Supplement replacement form serves to explain the reason for the policy replacement.
The Best Quotes on Medigap Coverage
When seeking a Medicare Supplemental insurance plan, it is often best to work with a company or agency that has access to more than just one insurance carrier. This way, you can several different quotes to determine which will be the best for your budget. In doing so, we can help.
We work with many of the top Medicare Supplement insurers in the marketplace today, and we can get you all of the important information that you need quickly, easily, and conveniently – all from your home computer. If you're ready to begin the process, all you need to do is just simply use the form on this page.
Should you have any additional questions regarding Medicare Supplement coverage, please feel free to contact us directly. Our experts are happy to help walk you through any information that you may need. We can be reached by phone, toll-free, by calling 888-229-7522.
We understand that shopping for Medicare Supplemental insurance can sometimes seem overwhelming – so we want to ensure that you have all of the details that you need before making a decision. Contact us today – we're here to help.


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Baldwin sophomore aims to defend WPIAL golf title
Jim Stanko was surprised ... to a point.
So were many others when Baldwin freshman Zack Taylor won the Division I WPIAL boys golf title last fall.
"Anytime a freshman wins a championship, it's something of a surprise," said Stanko, Taylor's coach. "Zack was not an unknown quantity. We knew about him when he came into the high school. He had been in our winter golf program, had played in a number of national kids tournaments and had played on the Plantation Tour. So him winning a championship was not a big surprise to us."
The high school season teed off last week, and Taylor is one of the top returning players in the WPIAL. He joins Peters Township seniors Tommy Nettles and Trent McPherson; seniors Kirby Manown of Belle Vernon and Will Wears of Latrobe; and juniors Matt Barto of Leechburg and Matt Holuta of Indiana, among others.
For Taylor, now a 5-foot-10, 160-pound sophomore, this season brings an opportunity to realize personal and team goals.
"I want to try to do it again, but I definitely want to see the team go farther," he said. "We won our section and were 17-1, then we didn't get past the first round of the WPIAL."
Winning a district title at 14 "was definitely a surprise," Taylor said. Again, to a point.
"I didn't think going in that I would win," he said. "But I thought if I played well, I'd have a chance."
His mastery of two major elements of the game, Stanko said, are why Taylor can prevail in any event.
"His biggest strengths are his approach and his short game," Stanko said. "He is wonderful on and around the greens, and his mental approach is beyond his years."
"I always try to keep a level head," Taylor said. "My short game has gotten better. It was never a strong suit while I was growing up."
Taylor has been playing since he was 7, learning at the nearby Cool Springs driving range. This isn't his only athletic pursuit, though. He also plays basketball and plans to go out for lacrosse.
"He's an athletic kid," Stanko said. "I just hope he doesn't get hurt."
Stanko was laughing when he said that — a little. He realizes his 15-year-old ace, with continued growth, "could be really good. Not that he isn't good now, but there are different levels of good."
A number of returning players are on Taylor's level in WPIAL Class AAA. Nettles finished third last season, two strokes behind Taylor's 71. A back-nine 40 sabotaged him, but Nettles rebounded in the PIAA tournament to tie for second, a shot back of Garrett Browning of West Allegheny. Nettles captured medalist honors Friday at the Tri-County Championship at Village Green Golf Course.
Manown, McPherson, Holuta and Wears also were within six of Taylor at WPIALs. Barto was second in WPIAL Division II, his 74 a stroke behind the champion, Brad Thornton of Shenango.
Rick Shrum is a freelance writer.


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Creating PDF Documents with R/RStudio
For something I'm currently working on I wanted to create some PDF reports so that I can share the results with others via email. Turned out creating PDFs to output the values from R dataframes is not so straightforward after … Continue reading


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Summer Palace was a place I went past 2 Sundays ago. I didn't blog about it so I am doing it now. I loved Summer Palace. It has so many beautiful structures and scenes. The constant foggy environment of Beijing gives it an even prettier look. So many opportunities to take artistic pictures, if only I had more time and a better camera. There were a lot of mini museums inside and although I went in and looked around I was more interested in the combination of nature and exotic buildings. Just click the picture below and it will take you to the folder with some of the Summer Palace pictures I took:
Keywords: Beijing, China, Great Wall, Site Seeing, Summer Palace


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The head of US-based investment bank
Ms Ward began a consensual relationship with
Ms Ward claims the bank made her redundant on May 24 this year because it believed women in her position were "susceptible to undue influence by the other person in the relationship".
Mr Pridham, the chief executive of Moelis & Company Australia, is the incoming chairman of the Sydney Swans. Ms Ward claims one of the company's managing directors,
She claims Mr Richardson also told her that Mr Pridham thought "she was 'not on the Moelis bus' ".
Mr Richardson allegedly said Ms Ward's relationship with Mr Dunphy was "problematic and that colleagues were viewing her in a negative light as a result".
Ms Ward's performance evaluation in the year to December 2011 graded her as an "exceptionally strong performer". She was given a $50,000 bonus.
The following year, after the relationship was known in the bank, she received a $150,000 bonus.
But her performance review was downgraded to showing "expected performance . . . with equal weaknesses and strengths".
In addition to damages, Ms Ward is seeking an order that the bank pay tens of thousands of dollars in fines.
The Australian Financial Review


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If using Matzah isn't quite your thing, this could just as easily be made with my favorite, panko bread crumbs.
Two (6 ounce) tilapia fillets
2 sheets matzah
1/4 cup parsley
peel of 1 lemon
juice of 1/2 lemon(2 tablespoons)
salt and pepper
1 tablespoon dijon mustard
olive oil
Preheat the oven to 375. Put foil down on a small cookie sheet. Place the fillets on top.
In a food processor finely grind matzah, parsley, lemon peel. Add salt and pepper and the lemon juice to moisten (add more to taste).
Brush one side of the tilapia with the mustard. Spread the breadcrumbs on top of the fish. Drizzle about 1/2 a teaspoon of olive oil on top of the crumb mixture. Bake in the oven for about 5-6 minutes, or until the fish flakes easily with a fork.
Serve with the remaining 1/2 a lemon (cut into quarters).
I served this with roasted asparagus and mashed potatoes with crispy shallots.
To make the roasted asparagus: place the desired amount of asparagus (3-4 per person) on a foil lined baking sheet. Drizzle a little olive oil, salt, and pepper and toss to coat. Roast for 8 minutes.
To make the crispy shallots: In a small saucepan over medium high heat, add 1/4 cup olive oil. Once hot, add a teaspoon of butter. Add 1 shallot thinly sliced. Turn the heat to medium and let brown, 20-30 minutes. Remove the shallot from the oil onto a paper towel lined plate.
To make the mashed potatoes: Chop your desired amount of peeled potatoes (1 to 1/5 lbs a person) into 1 inch cubes and place in a medium saucepan with just enough water to cover. Bring to a boil and let bubble until a fork easily pushes through the potato (about 8 minutes). Drain and return to the pot. Add salt and pepper to taste and enough milk to moisten to desired consistency. I mash with my pastry cutter, because I don't have a potato masher. That's just how I've always done it.
I thought I would include all the elements of my meal to show that it can all be done together. Here is how the meal would come together.
1. Start the shallots.
2. Put the potatoes to boil...once they are ready, mash and cover to keep warm.
3. While this is going on, prepare the fish and asparagus and turn on the oven.
4. In the last 10 minutes of the shallots cooking, put the asparagus in the oven. Two minutes later, add the fish.
5. Everything should finish cooking about the same time. Serve it up and enjoy!
Also, I had some extra topping, so I added a little bit of olive oil to moisten and topped the asparagus with it!
I am submitting this to this year's Passover Round Up hosted by the talented Lori Lynn at Taste With the Eyes.


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Mark Ballas Parties With Two Ladies Post-Elimination on 'DWTS' (PHOTOS)
The sexy Dancing pro was seen with not one, but two women on his arm while enjoying the Los Angeles nightlife. Despite the pictures, Mark was flirting up one of the other dancers on Twitter last night.
Though engaged, Mark post two tweets in Dancing pro Karina Smirnoff's direction, writing:
"Let it be known that @Karina_Smirnoff has the best lookin feet period…. :)"
The second tweet had a photo connected to it and read: "Me and miss sexy herself @karina_Smirnoff :)"
Meanwhile, Mark's partner seemed pretty bummed out by the elimination news. Kristin tweeted: "I honestly love u guys. I've been reading ur tweets and it means the world to me. I'm so freakin sad! But I had the best experience."


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Windows Firewall companion utility to allow faster and simpler creation of blocking rules on executable applications. Rules may be created or deleted using the management prefix 'WinFire' for single application executable or all application executables within a directory and subdirectories (recursive).
* These block rules are shown ticked/selected in "...Windows Firewall\Allowed Programs". It's OK, the application isn't being allowed, just showing that the block rule is enabled. Remember that a WinFire prefix firewall rule is always a block rule. "...Windows Firewall\Allowed Programs" doesn't show what is a block or allow rule and is not really user friendly. Use "Windows Firewall with Advanced Security", you will be glad to know whats what.
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text: Anderlecht BeverenThis match in the Belgian Semi final cup can be very nice one to look at. Both team who want to play football and score goals instead of playing with the whole team before their own goals once they are in front. Both teams also have the technique to do so, Beveren with all the players from Ivory Coast is probably the best team in Belgium if you look at the technique and Anderlecht will be second in that ranking. Their position in the Belgium League: Anderlecht doing very well in 1st place and Beveren has 8th position which isnt too bad at all for them. 1. Anderlecht 25 21 2 2 60 - 21 658. Beveren 26 10 3 13 35 - 41 33If you look at the home team ranking, Anderlecht is in third place (with 10 wins, 1 draw and 1 loss), only one point behind Club Brugge and Moeskroen. Beveren in away ranking is in 5th position. Home: 3. ( 1) Anderlecht 12 10 1 1 30 - 13 31Away: 5. ( 8) Beveren 13 5 1 7 19 - 19 16The form: both teams are struggling a bit lately. Anderlecht has lost two weeks ago from Brugge and this weekend they managed to change a 0-2 at the end of the 1st period into a 3-2 victory, but it was a close one (penalty in 89th minute). In their last 6 matches, they have won 13 points. Beveren isnt doing extremely well either. Last weekend they played a 0-0 against GBA, who, it must be said, played very well by giving no room to the Beveren players and thus they couldnt use their technique. Anderlecht however will probably not play this way, so a 0-0 is more than highly doubtfull. Last six matches, Beveren won twice, lost twice and played two draws, so they have 8 out of 18. Anderlecht is almost sure of the title in the Belgian League, so this is they will try to win the cup as well, as it is the only real challenge left for them this year. For Beveren on the other hand, it also is a unique opportunity to play in Uefacup next year and give their players a very good experience. In the line-ups, there might be some surprises, due to injuries. At Anderlecht, young defender Kompany is injured and wont play, his place will be taken by lovré. GK Zitka is also still injured, but Peersman is a good replacement. The line-up: Baseggio, Deschacht, Dindane, Hasi, Iachtchouk, Jestrovic, Kompany, Lovre, Peersman, Tihinen, Vanden Borre, Van Steenberghe, Wilhelmsson, Zetterberg, Zewlakow . Beveren has no important injuries so far. Beveren will probably be very eager to win as pay-back for the competition match they had lost against Anderlecht after being 2-0 up in front. As I expect a very high scoring game, Im going over 3 goals @ 2. 02 (Pointbet). A stake of 7. Greetzzz, Zedd


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Edit: After half day, my wife's Mac started having the same problem. I have then applied the solution that I found in the Apple
We now have our own App Store –
A great step in the right direction for our website. We have now got our own online app store for IOS. The app store has all the latest and greatest iPhone and also iPad apps.
To access our app store please visit http://www.mac-reviews.net/Apps
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Canadian Tire makes Maclean's top 50
Canadian Tire has been included on the fifth annual Maclean's/Sustainalytics list of the 50 Most Socially Responsible Companies in Canada.
Companies are selected on their performance across a range of environmental, social and governance indicators tracked by Sustainalytics, a global leader in independent sustainability research.
The top 50 companies were recently profiled in an issue of Maclean's.
Earlier, Canadian Tire was named by Corporate Knights as one of the Best 50 Corporate Citizens in Canada. The company's business sustainability strategy and performance were also recognized with the Globe Award for Best Green Retailing Practices. It was also added to the STOXX Global ESG Leaders Index family, and is the only Canadian retailer included.


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KPV: a PDF reader for Kindle, based on muPDF, GPLv3
View Single Post
Posts: 45
Karma: 10842
Join Date: Aug 2010
Device: Kindle DXG
What is the standard way to navigate in a .pdf document with the current version of the viewer?
I am usually using landscape orientation with some zooming. With an old version from several months ago I can press down the 5-way and then use the 5-way for scrolling. When the end of the page is reached I press "next page"(">" on KDXG) to jump to the beginning of the new page(I personally like Duokan's UI more - "<" and ">" for both scrolling and changing the pages - but the above method is OK too). With the new version, when the bottom of a page is reached using the 5-way, the "next page" button moves the view to the end(and not the beginning as it was in the old version) of the next page. There is also a "P" key with help string "toggle page-keys mode: viewport/page". But the "viewport" mode again doesn't seem to work for me - when the end of a page is reached it jumps to some point around the middle of the next page!? Also I am not sure if I did something wrong, but now I can't even scroll to the end of page with the fiveway - it only goes to a certain position and won't move beyond that point...
Is there more comprehensive help somewhere(not counting the source code
), that explains these things?
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AnnaKustera Presents DISAPPEARING ACTS, Now thru 8/17
AnnaKustera presents DISAPPEARING ACTS (ACT III) featuring Charlotte Becket, Benjamin Butler, Stephanie Campos, Mark Dagley, Chris Martin, Troy Michie and Dominic Nurre, tonight, July 26 - August 17, 2012.
Opening reception, tonight, July 26th, 6-8pm
Disappearing Acts (ACT II) brings together the work of seven artists who have discovered a sculptural flavor within the painterly or the painterly within the sculptural. The artists explore everything from the mystical to the minimal. For the exhibition, natural forms coexist with futuristic ones. Three artists, Dominic Nurre, Troy Michie and Stephanie Campos, who showed in "Disappearing Acts" earlier this year appear again in ACT II. Here they are joined by Benjamin Butler, Charlotte Becket, Mark Dagley and Chris Martin. Each artist brings a distilled personal vocabulary that portrays its own kind of magic trick.
Gallery Summer Hours: Monday - Friday, 11-6pm. For additional information please contact the gallery at 212-989-0082 or visit out website, annakustera.com


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Occasionally, college campuses become the focus of various stories in the media. Your first action when contacted by a reporter is to set up a future time to be interviewed, and then call the communications and marketing office.
In general, the following bulleted list is a brief description of how the communications and marketing office works with the media.
- Communications and marketing is the direct link to the media, and all media contact is through the communications and marketing office.
- The college's news bureau director is the college's media point person.
- Back-up for the news bureau director is the Associate Vice President for Institutional Advancement.
- Communications and marketing staff will work with appropriate campus resources to gather information on the issue, and talking points will be written.
- Communications and marketing may determine that another campus resource (vice president, president, administrator, faculty member) is needed on a particular issue, in which the communications and marketing staff will brief the person on media interviews and talking points.
- Staff members and faculty should be aware that all media contacts should be forwarded to the news bureau director. In his absence, they should be forwarded to the Associate Vice President for Institutional Advancement.
- If you hear of anything that may provoke media interest, let communications and marketing know about this information as soon as possible. It is better that we know the information immediately so we may get talking points in order to not be surprised if the media gets the information before we do.
- If news vans or reporters are seen on campus, please notify communications and marketing immediately.