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Jua Kali Voucher Program, which subsidizes 90 percent of job-training investment present word-list familiarity centers concerning proper, empty ladies, diverse of whom are youth. According to the Kenya Institute in the direction of Public Policy Research and Analysis (KIPPRA), the programs 37,000 vouchers be received b affect among 1997 and 2001 sooner or later helped diverse beneficiaries jackpot employment. Furthermore, thanks to the job-training sentence go wool-gathering were tool of the program special-subject dictionary in burgeoning distinct genius, competitors were open a prestige of vote in what they learned. Thus, lawn could exist expert in the fields in which they were crest commiserating, which may control spontaneous to the towering absurd power of the trainings. In sum, because the program additional the hope for on the way to job-training assistance, well-to-do too further difference among road, recovering the consistency of the training. However, KIPPRA researchers godsend digress the program was by dumfound course perfect. The grant is estimated a pit of perversion of the familiarity sell, and policymakers are informed entertain to concern an dissolve device in the direction of its future.


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Real Estate
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Gather your golf group, fellow club members or buddy's trip and revel in all The Greenbrier has to offer with this incredible golf package. Enjoy golf at America's Resort with play on The Meadows Course, The Old White TPC, current home of the PGA TOUR's A Military Tribute at The Greenbrier, or the Greenbrier Course's 9-hole routing.
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Starting at: $289 per person, per night, based on double occupancy
$389 per person, per night, based on single occupancy
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Day 2: Breakfast in our Main Dining Room; Second Round of Golf
Day 3: Breakfast in our Main Dining Room; Third Round of Golf; Room Check-Out
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Available for groups of 8 or more golfers.
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2-night minimum stay required.
Rates based on Traditional/Superior Guest Rooms.
All other room types subject to upgrade fees.
All rates and packages are subject to availability.
Additional 3rd or 4th Non-Golfing Adults in Guestroom: $50.00/adult/night.

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Tim Tams are Australia's most loved chocolate biscuit. A unique combination of biscuit, cream filling and chocolate coating, it's an everyday treat you want to share with friends and family.
Tim Tam Origins
The Tim Tam was created by an Australian man named Ian Norris. Norris set about experimenting with crème flavours and biscuit textures in 1958. Ross Arnott threw in the name Tim Tam in honour of that year's Kentucky Derby winner. It took another 6 years of perfecting to get Tim Tam to market. By 1964 Tim Tams were being manufactured by Arnott's in Australia and quickly gained popularity.
"The whole success of Tim Tams, and why it is so good, is the flavour of the cream in combination with the chocolate and the biscuit," he said. Ian Norris allegedly went to his grave without divulging the Tim Tam recipe to his family, with seven grandchildren this would have been a tough secret to keep!
What makes Tim Tam so popular is the 3 irresistible flavours – the biscuit, cream and chocolate.
Tim Tam Today
In its homeland of Australia, over 670 million Tim Tams are made every year. Only 2% of Australians have never heard of Tim Tam and 1 in 2 households buy Tim Tam.
Arnott's uses three types of chocolate to make Tim Tam biscuits. The chocolate is made at Arnott's Adelaide site (Marleston) and transported to the Huntingwood Bakery in Sydney by road and railway.
On average Arnott's Huntingwood site uses around 20 tonnes of chocolate in 24 hours. Tim Tam Original biscuits are produced at around 3,000 biscuits per minute, approximately 60 biscuits per second. The Tim Tam process from mixing to packaging takes about 2 hours and the biscuits will travel almost a kilometre during the process.
Tim Tam Original is the best seller, closely followed by Double Coat
Tim Tam Slam
Our favourite way to enjoy a Tim Tam. Check out this link to see what the Tim Tam Slam is all about or take our quick and easy 30 second test for your very own personalised Tim Tam Slam recommendation
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Representing state-of-the-art underwater cameras, lights, and accessories for the marine industry, MacArtney's LUXUS range is designed to offer reliability and excellent performance, while allowing for extensive operational flexibility. Composed to offer appropriate solutions to any underwater pur-pose, the LUXUS range is made from first-rate electronic components.
Both compact PUR products are ideal for a multitude of demanding underwater tasks and operations. The housings of both products are made from PUR, and they are both non-serviceable and represent steady and viable functionality and applicability at low cost. They both provide depth ratings of 200 meters and are applicable for markets like offshore wind and fish farming as well as traditional areas within diving.
The LUXUS compact PUR camera is a light sensitive camera. Featuring a fixed focal length which can be factory adjusted to capture images at very close range, it is available with different lenses for various angles of view. The LUXUS compact PUR camera has been designed to function perfectly in combina-tion with the LUXUS compact PUR LED and the LUXUS media controllers.
The LUXUS compact PUR LED is a wet and dry light applicable from 200 m depth up to the deck without having to be switched off. The LUXUS compact PUR LED is the smallest and most cost-effective LED light in the LUXUS range. It comes with a 0.6 m open end cable or terminated with a SubConn® or alternative customer specified connector. The PUR LED has been designed to function perfectly in combination with the LUXUS compact PUR camera and the LUXUS media controllers.
The comprehensive range of LUXUS products is meant to further empower users of LUXUS equipment. "We take pride in following up on the feedback supplied to us by our LUXUS customers and wish to continuously enable even more flexible and efficient use of our cameras and lights," states Ron Voerman, Managing Director of MacArtney Benelux and originating this new product.
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Yesterday Netease and My.com released a new trailer, plus some details, for their upcoming MMO, Revelation Online.
PvP in Revelation online doesn't begin until level 40, but once you're there, you can go hog wild on anyone above that level, but PvP doesn't come without a penalty for ganking willy-nilly. If you attack someone, and they don't fight back, you'll be stricken with some fairly harsh repercussions, such as losing durability on items, or maybe even some currency (such as gold). All you have to do to declare yourself uninterested in PvP is to active Peace mode. That way anyone who's PvP flagged (Slaughter mode) will know that you just want a peaceful leveling experience.
World PvP is only part of the experience, though. Don't forget about Arenas, Battlegrounds, and Guild Wars:
Arenas are an essential part of PvP. Revelation Online is no exception. Brawl for bragging rights in 3vs3 or last-man-standing arenas and be well rewarded with fame and powerful equipment that will aid you in battle.
Battlegrounds: Fight enemy players in 10v10, 20v20, or 30v30 battlegrounds! From "Capture the flag" to "Warfare" – there is something for everyone.
Guild Wars: Team up with your guild mates and fight opponent guilds in instanced areas. Get ready for 30vs30 or 50vs50 battles and soar up the leader board.
Lastly, there are Sieges. controllable areas throughout the world built specifically for PvP. While enemy players will definitely stand in your way of capture these castles and fortresses, other elements will also stand in your way. You can even find some of these Sieges up in the air.
Read more about PvP in Revelation Online at the official site.


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By Michael Lerner Offering to share expertise, the Israeli P.M. is pursuing both diplomatic and economic goals.
by Michael Lerner Russia presses Israel to not sell gas to Turkey.
by Michael Lerner As Egypt, Israel, and Hamas beef up security on Sinai border, the U.S. mulls an exit.
by Michael Lerner The country is very effective at bringing researchers' ideas to industry at early stages.
by Michael Lerner But difficulties with Turkey and Israel are stumbling blocks to regional economic integration.
The Israeli P.M. blasted global powers for stance on Iran's nuke program.
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- Bigg Boss 13: Happy Birthday Sana trends on twitter as fans wish Shehnaaz Gill on her Birthday
- Bigg Boss 13: Fan reactions as Himanshi Khurana, Vikas Gupta, Shehbaz Badesha, Kashmira Shah to enter the house during this week, Fan reactions
- Naagin 4 upcoming twists: Vishakha to save Nayantara, Dev-Brinda to get married?
- Kasauti Zindagi Ki 2 spoilers: Prerna NOT to die, will come back in bold avatar
- Beyhadh 2 spoilers: Maya plans to kill Rudra on his wedding day
Ishq Mein Marjawan 26 July 2018 Written Update Written Episode
Colors serial Ishq Mein Marjawan 26th July 2018 Written Episode, Ishq Mein Marjawan Written Update
Today's (26.07.2018) Ishq Mein Marjawan episode starts with…..
Aarohi reaches to the bungalow and sees Deep's picture inside. She sees a lady coming out of the bungalow and she is covering her face. Aarohi thinks now she feels that there is definitely a connection between her plastic surgery and this bungalow. Arohi thinks that Deep must be involved in this.
Virat comes to the Raichand house, he comes face to face with Tara but calls her Arohi.Virat says to her that he knows she will never forgive him but he needs to talk to her.Tara is about to say that she is Tara but Deep enters the convo and shouts at Virat for entering the house again.Virat tells Deep that he is repenting what he has done, he feels really guilty and now he is very tired of the murders and all the terrible things that he has been doing.Virat tells Deep that it's very important for him to talk to Aarohi ,he keeps requesting Deep but Deep pushes him away and tells him to not come close to his wife. Deep tells Virat that he will call the police again so that they arrest you, Virat tells him that he got out on bail and he directly came to meet him because he wants to apologize. Tara takes Deep away and tells him that he should listen to Virat atleast once. Tara tells Deep that he doesn't know that she is Tara and not Arohi,Deep says that she needs to understand that she can't make any mistake or else Virat will understand that she is Tara. And Arohi would never talk to him so she shouldn't agree for this.Tara says I want to know what Virat bhaiyya wanted to talk to Arohi.Deep gets a call and he is shocked…
Arohi breaks into the bungalow. She sees his picture there,Arohi cries and wonders why Deep keeps betraying her.She wonders if he never really loved her,he kept playing with her emotions and she kept falling in the trap.She says that her problem is that she still can't get over him and she can't hate him. Arohi goes to drink water in the kitchen, she thinks that she can't give up just because Deep has betrayed her and she has to live for the child because she wants to raise the child as a memory of her love and positivity that she gave to Deep not a memory of Deep's betrayal.
Deep comes to the place and attacks Arohi,Arohi hides behind a cupboard. Deep comes looking for her.She goes to a room and hides there.Aarohi escapes from the place. Deep understands that she has escaped. Arohi thanks Mata Rani.
Virat talks to Tara mistaking her for being Arohi. Virat says that he knows his apology doesn't make any sense but honestly he did whatever he did just for the sake of his sister Tara but he only got betrayal in return .Virat tells Arohi that whoever tried to protect Tara and defended her ended up in trouble. He was sent to jail,mom died, and everything happened because of Tara and she doesn't care about her family she is roaming around freely outside. Tara is actually very angry but she acts like Aarohi and composes herself. She asks Virat what he wants now, Virat says now he wants to support her and Deep and punish Tara. Tara thinks Virat bhaiyya is such a traitor that he is siding with Aarohi that so for punishing his own sister. Virat thinks that mending his relations with Aarohi and Deep is the only way to reach Tara as Tara won't stay away from both of them for along time.
Deep slaps the security guard and says he should stop drinking and dozing off.The guard says he heard glass breaking so he went there to see what's happening,Deep shows him Arohi picture ,guard says it was the same lady to broke into his house. Deep thinks he knew she won't give up easily and now he has to stop her before she starts getting to the things she is not supposed to know.He thinks now it's very important to catch her or else everyone is going to be in trouble.
Araohi wonders who tried to attack her , she thinks why was Deep's picture in the house and who was the mysterious girl who went out covering her face. Arohi gets a phone in the house and brings it to see if she can find out anything. The phone is locked but suddenly it opens Arohi doesn't understand what happened,she understands it's facial recognition. All the contact no.s are saved in code words,she calls and people keep disconnecting her calls. Aarohi doesn't understand how the phone is recognizing her phone.
Sudha comes looking for Arohi and finds her ,she takes Arohi to her bhaiyya's house.Sudha take sher to the house and tells her that her bhaiyya has a night duty so he will come back in the morning. Sudha sees that there is no milk and there are no vegetables so she goes out to get everything. Arohi sees a small mandir there ,she prays and asks God to help her in finding her answers. She hears a knock on the door,she opens the door and sees a letter addressed to her with her name written on it.
She reads the letter,the writer of the letter tells Arohi that she knows she is Arohi and she has all the answers that she will answer after meeting her near Gandhi Park. Turns out it's very close to her place.The same girl who went out of Deep's house covering her face comes to meet Aarohi and she looks exactly like Arohi. She hits Aarohi ,Arohi faints.
PRECAP : 27/07/2-18 Ishq Mein Marjawan -The girl calls Arohi and tells her that there are a lot of people who don't want her to know the truth and she is in great danger…


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Comfort Plus Campground
Comfort Plus Campground is a campground / RV park located in Regina. Comfort Plus Campground is located 12km East of Regina, Sask. and 1km North of Highway #1 . Voted Best Private RV Park in Saskatchewan by RV West Magazine, spring 2009.
The information displayed here is displayed 'as is'. Also check the website ( if listed ) for up-to-date information, prices and availability. Stay Canada is not responsible for the content of external websites. If you are the owner or operator of Comfort Plus Campground and wish to update or modify the content on this page including room details, specials and getaways or availability, please use our submission page.
Tel: (306) 781-2810
Reviews for Comfort Plus Campground, Regina
The comments and opinions expressed on this page are those of visitors to this site, and not of and or its parent companies.
Comfort Plus Campground
I saw the reviews prior to making a booking. I failed to realize that the reviews were dated from a couple years ago. I found the pool disgustingly dirty and old, and each person had to pay $2/day (cash only) to use it. A friend came for a coffee after supper one evening and they wanted to charge her $1 (again, only cash). I found the owner very "uppity" and was shocked that she would talk about how Visa takes 5% from her and it is a lot for a small business. I as the consumer should not have to listen to her talk about her business fees.
Positives: My son had fun playing with the soccer ball and nets.
Negatives: Pool was murky and the foundation around it was very uneven (inches of separation) and cracked.
Comfort Plus Campground
Great little campground, close to highway #1 and the city centre. The kids loved the 'old schoolhouse' and were pleased with the games/puzzles/books available. The pool cost $2 to use, but they could come and go as they pleased throughout the day.
Positives: Very clean showers. Lots to occupy the children. Very friendly staff.
Negatives: Our campsite was very small - we couldn't get the awning out. They charge to use the dumpstation - which we felt should have been included in the camping fee.
Comfort Plus Campground
Hoping this will help someone else........We stayed in the comfort plus last summer. Never again!!! We drove three hours to get there only to find out the owner had taken our reserved site and switched it. She put us in a tiny spot. To no suprise had given our reserved sight to some of her friends. As a family of four our weekend was not pleasant. The campground itself was nice as well as the staff. Too bad really as we will never stay again!!!
Positives: Super nice staff
Negatives: Rude owner who doesn't know how to treat customers
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text:
When Google recently tried to move some engineers urgently from Malaysia to Thailand, the search engine titan hit a roadblock. Thai labour laws meant that getting the permits needed to employ Malaysian engineers in the neighbouring southeast Asian country took far longer than it had expected.
"The time it takes to move talent where we want means we can't move as fast as we would like," says Sajith Sivanandan, chief executive of Google Malaysia.
Cumbersome labour laws are just one of the obstacles hampering the creation of a highly anticipated economic bloc called the Asean Economic Community (AEC) that is supposed to be in place across the 10-nation Association of Southeast Asian Nations (Asean) by December.
As China slows and India's prospects remain unpredictable, businesses are looking to Asean countries and their 620m population as the next growth frontier in Asia. The aim of the AEC is to knit a hodgepodge of countries, ranging from economically deprived Laos with 4m people, to Indonesia, the region's biggest economy, with a population of 250m, to propel growth in the region.
Asean has a combined gross domestic product of $2.4tn, which is more than India, and it would rank as the world's seventh largest economy if it were a country. The Asian Development Bank expects its GDP to grow 5.1 per cent this year, well above the 3.5 per cent projected for the world economy by the International Monetary Fund.
Najib Razak, Malaysia's prime minister, talks grandly about the AEC being about creating "an economic union unlike anything since the days of empire". Yet business leaders, including one of his brothers, see it differently.
While they believe the AEC has potential, like Google they are increasingly frustrated by non-tariff barriers, protectionism and bureaucracy that could see the project fall far short of the vision set in 2007.
"I always think it's helpful to call a spade a spade," says Nazir Razak, chairman of CIMB Group, Malaysia's second-biggest bank and the prime minister's youngest brother. "We should not leave anyone with the expectation that [the] AEC will be the single production base with free movement of goods and services, investment and skilled labour and free movement of capital as currently described."
The banker warns that people and businesses in Asean countries "will be disappointed, or worse, angry, if they get all dressed up for the wrong party".
While significant progress has been made cutting tariffs across Asean countries, businesses must still navigate a thicket of different product standards that make it hard to sell across the region and hamper the ability of new companies to enter the market.
The sleep regulation drug melatonin, for example, is considered a health supplement in Singapore but a prescription drug in Thailand. There is also no standard approval process that would allow food ingredients authorised in one Asean country to be sold in another.
Nor is Asean a customs union, so importing and exporting within the bloc involves different procedures that often result in goods waiting at ports for weeks until paperwork is cleared, which maximises opportunities for corruption.
"Differences in regulations, especially non-tariff barriers, remain a serious obstacle to the free flow of goods and services," says Joerg Wolle, chief executive of DKSH, a Swiss marketing and distribution group that employs 27,000 in the region.
One symptom of such barriers is the low level of intra-regional trade. McKinsey, the consultancy, estimates that such trade fell to 24 per cent of the Asean's total trade in 2012, after peaking at almost 25 per cent in 2007. It attributed the decline to non-tariff barriers.
Tony Fernandes, chief executive of AirAsia, possibly the most visible "Asean" company, argues not only that the region needs one aviation authority, but also that the principle should be applied across most industries.
"If Asean is to be a common market, investors have to see us as a common market, which means one approving authority — you get one licence to operate in 10 countries," he said last month.
Asean's policy making body, the Jakarta-based Asean secretariat, has made some progress. Last November, it unveiled a pilot customs transit system in Malaysia, Singapore and Thailand to harmonise procedures for road freight. But business leaders say that with a staff of only 300 and an annual budget of $17m progress will be limited.
Such is the level of frustration that companies, unusually for Asean business leaders, have started to lobby policy makers through the Asean Business Club, a group that includes Mr Fernandes and the heads of some of the largest family-controlled businesses in Asean, including Francis Yeoh, head of Malaysia's cement-to-utilities conglomerate YTL, and Fernando Zobel de Ayala, president of Ayala, a Philippines conglomerate.
In addition to identifying six problem sectors, it has proposed seconding private sector experts to the secretariat to speed up capital market integration in Asean countries where progress has been painfully slow.
Yet the biggest barrier to the implementation of the AEC may be protectionism. In the motor sector there are already signs that Indonesia is determined to create a national car policy that favours its domestic industry.
The Asean Business Club says there are "strong political and nationalistic pressures" to ensure a high percentage of jobs for locals, which may partly explain Google's difficulties.
Mr Nazir warns that given this kind of "powerful enemy", the AEC needs to show some quick successes to gain credibility. "If too many people, especially those with political careers, see it as a disappointment or that they or their constituents are losers from integration [then] the AEC could stall — or worse reverse." –http://www.ft.com/cms/s/0/a46df7ca-acde-11e4-beeb-00144feab7de.html#ixzz3SX9Yx1hH
c/o National Trade Union Center Philippines
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text:
This is the new Friday freebie from Faith of Designed2Delight. She designed this in honor of the challenges going on each day at SCS for the Hope You Can Cling To for breast cancer.
I have family and friends who have not only faced breast cancer, but other cancers. 5 years ago, I had a brain tumor (benign and I'm doing fine, had a scare a few weeks ago, but it wasn't a tumor again, just after affects still from the surgery) and something that helped me get through the storm was journaling. So when I first saw these images I knew I had to make a journal.
This journal is quick and easy to make. I can't remember where I first saw this idea, but I tweaked it a bit and have been making them for some time now.
pocket folder
8" x 5" Jr. legal pad
patterned paper to decorate folder
embellishments (opt)
stamped image
Tombow Mono Adhesive Permanent
1. Cut pocket folder in half on crease line
2. With short edge along paper cutter edge, cut at 8.25" (away from bottom edge)
3. With long edge along paper cutter edge, cut at 10.5" (away from pocket end) and then score at 5 1/8" and again at 5 5/16"
4. Cut the pocket edge down as show in the picture below. This is where your notepad will fit.
5. Cut patterned paper piece 5" x 2" and cover bound edge of notepad and insert notepad over cut flap.
6. Decorate front as desired.
7. Apply adhesvie to ribbon to the front of folder and wrap around back and tie at side.
8. You can also decorate front inside flap.
Note: One folder will make 2 notepad journals. The "pocket" will just be on the other side. When the pocket is on the left, I cut it at an angle and add a couple of paper clips. Notes and etc can be tucked inside the pocket. Then I add adhesive to the back of the notepad to hold it inside.
Friday, October 15, 2010
Pocket Folder Journal Tutorial
4 comments:
This is beautiful!! Great job, I'm going to have to try this out!! TFS!ReplyDelete
What a gorgeous journal! Thanks for showing us how to create one too.ReplyDelete
Great journal!! I love that paper - my pack is about all used up. Have a good weekend with your son.ReplyDelete
OH I LOVE THIS! I think I may borrow this for teacher gifts. I have a whole stack of those memo pads to use. TFS!ReplyDelete
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text:
Griffin v. Bank of Am., N.A., 226 F. Supp. 3d 899, 900–04 (N.D. Ohio 2016)
DONALD C. NUGENT, United States District Judge
This matter is before the Court on the Motion to Dismiss filed by Defendant, Bank of America, N.A. ("BANA") (Docket # 13). and the Motion to Dismiss Count I of the Complaint filed by Defendant, Bayview Loan Servicing, LLC ("Bayview") (Docket # 18).
I. The Complaint.
Ms. Griffin alleges BANA and Bayview violated the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. ("FCRA"), and the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692, et seq. ("FDCPA"), by unlawfully obtaining her credit report from credit reporting agencies and unlawfully continuing collections activities against her, despite having been notified of the fact that any and all debts Ms. Griffin had previously owed to either BANA or Bayview had been discharged in bankruptcy years prior.
In Count One, Ms. Griffin alleges that BANA and Bayview violated the FCRA by requesting and obtaining her consumer report from credit reporting agencies TransUnion and Experian with no "permissible purpose," as prohibited under the FCRA. Ms. Griffin alleges Defendants falsely represented that access was authorized for "account review" purposes, despite knowing that she no longer held an interest in the subject property; that her debt had been discharged in bankruptcy; and, that Defendants were legally prohibited from pursuing further collection activities against her. Ms. Griffin argues that each impermissible inquiry is a separate violation of the FCRA and that Defendants have received thousands of similar disputes from other consumers whose credit reports were requested despite the fact that their debt had previously been discharged in bankruptcy.
In Count Two, Ms. Griffin alleges Bayview violated the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692e and 1692f, by repeatedly contacting her in an attempt to collect a debt that Bayview had been notified was discharged in bankruptcy. Ms. Griffin asserts Bayview materially misrepresented that a debt was still owed by Ms. Griffin on the Mortgage, in violation of 15 U.S.C. § 1692e(2)(A); that Bayview's dunning letters, account statements and other mail correspondence violated 15 U.S.C. § 1692f, by attempting to collect interest, late fees, foreclosure-reiated fees, attorneys' fees, taxes, and/or insurance *901 premiums to which Bayview is not entitled; and, by impermissibly accessing her consumer report as a part of its collection efforts, in violation of 15 U.S.C. § 1692f(1).
In her Complaint, Ms. Griffin states that Defendants' actions have caused and will continue to cause her mental distress and anguish, stemming from an ongoing invasion of her privacy. Ms. Griffin states that she justifiably fears that Defendants will continue to unlawfully access her personal, private and financial information; continue to attempt to collect payment from her on the discharged debt; and, cause harm to her credit or otherwise harm her economically. Ms. Griffin seeks actual, punitive and statutory damages, as well as attorneys' fees and costs.
II. Motions to Dismiss.
BANA filed its Motion to Dismiss on July 22, 2016 (Docket # 13) and Bayview filed its Motion to Dismiss Count I of the Complaint on August 8, 2016 (Docket # 18). Both BANA and Bayview seek dismissal of Ms. Griffin's FCRA claim (Count One) for lack of subject matter jurisdiction. Defendants argue that pursuant to Spokeo, Inc. v. Robins, ––– U.S. ––––, 136 S.Ct. 1540, 194 L.Ed.2d 635 (2016). Ms. Griffin lacks Article III standing because she failed to allege any facts demonstrating she suffered a cognizable, concrete and particularized injury as a result of either BANA or Bayview pulling her credit report and that bare procedural harm is insufficient.
Ms. Griffin filed her Brief in Opposition to Defendants' Motions to Dismiss on September 13, 2016. ( Docket # 24.) Ms. Griffin argues that the protection of consumer privacy is a stated purpose of the FCRA; that the privacy rights conferred under Section 1681b of the FCRA are substantive rather than procedural in nature; and, therefore, that the alleged procedural violation constitutes an injury in fact sufficient to establish standing under Spokeo. See Thomas v. FTS USA, LLC, Case No. 3:13 CV 825, 193 F.Supp.3d 623, 635–36, 2016 WL 3653878, *10, 2016 U.S. Dist. LEXIS 85545, *28 (E.D. Va. June 30, 2016) ("an unauthorized dissemination of one's personal information, even without a showing of actual damages, is an invasion of one's privacy that constitutes a concrete injury sufficient to confer standing to sue"): Rogers v. Capital One Bank (USA), N.A., 1:15 CV 4016, 190 F.Supp.3d 1144, 1146–47, 2016 WL 3162592, *1, 2016 U.S. Dist. LEXIS 73605, *2 (N.D. Ga. June 7, 2016).
BANA and Bayview filed Reply Briefs on September 23, 2016 and September 29, 2016 respectively. (Docket # s 28 and 29.) Both argue that regardless of the FCRA's legislative history and purpose, and regardless of parallels to a common law invasion of privacy claim, Ms. Griffin must allege concrete and particularized damages and has not done so.
Standard of Review
1Pursuant to Fed. R. Civ. P. 12(b)(6). a complaint must provide sufficient facts to state a claim that is plausible on its face in order to withstand dismissal. See Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007). Fed. R. Civ. P. 12(b)(1) provides for dismissal of a complaint for lack of subject matter jurisdiction. When Article III standing is at issue, the plaintiff must allege facts sufficient to establish the requisite individualized harm. See Keener v. Nat'l Nurses Org. Comm., 615 Fed.Appx. 246, 251 (6th Cir. Ohio 2015).
2345Article III of the United States Constitution limits the jurisdiction of Federal Courts to justiciable cases and controversies, and requires a plaintiff have standing to file suit. To establish standing, a plaintiff must allege (1) an injury-in-fact: (2) a causal connection between the injury and the conduct complained of; and, (3) a *902 likelihood that the injury will be redressed by a favorable decision. Lujan v. Defenders of Wildlife, 504 U.S. 555, 560–61, 112 S.Ct. 2130, 119 L.Ed.2d 351 (1992). To establish an injury-in-fact, a plaintiff must show " 'an invasion of a legally protected interest' that is 'concrete and particularized' and 'actual and imminent, not conjectural or hypothetical.' " Spokeo, Inc. v. Robins, ––– U.S. ––––, 136 S.Ct. 1540, 1547, 194 L.Ed.2d 635 (2016). A concrete injury must be real, not abstract. However, intangible injuries may be concrete where (1) the "intangible harm has a close relationship to a harm that has traditionally been regarded as providing a basis for a lawsuit" and (2) Congress identified and elevated the intangible harm to the status of a legally cognizable injury. Id. at 1549. In Spokeo, the Court recognized, "[T]he violation of a procedural right granted by statute can be sufficient in some circumstances to constitute injury in fact. In other words, a plaintiff in such a case need not allege any additional harm beyond the one Congress has identified." Id. (citing Federal Election Comm'n v. Akins, 524 U.S. 11, 20–25, 118 S.Ct. 1777, 141 L.Ed.2d 10 (1998); Public Citizen v. Department of Justice, 491 U.S. 440, 449, 109 S.Ct. 2558, 105 L.Ed.2d 377 (1989)).
In enacting the FCRA, Congress sought to protect a consumer's right to privacy, in part by ensuring the confidentiality of consumers' credit information. See 15 U.S.C. § 1681; TRW Inc. v. Andrews, 534 U.S. 19, 23, 122 S.Ct. 441, 151 L.Ed.2d 339 (2001). To that end, Congress limited the circumstances in which a consumer report may be obtained. 15 U.S.C. § 1681b, entitled "Permissible purposes of consumer reports," provides, in part, as follows:
(f) Certain use or obtaining information prohibited. A person shall not use or obtain a consumer report for any purpose unless—
(1) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and
(2) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
15 U.S.C. § 1681b(f).
15 U.S.C. § 1681b(a)(3) sets forth the purposes for which a reporting agency may lawfully furnish a consumer report, stating as follows:
Subject to subsection (c) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(3) To a person which it has reason to believe—
(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to. or review or collection of an account of, the consumer; or
(B) intends to use the information for employment purposes; or
(C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
(D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or
(E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of. or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
(F) otherwise has a legitimate business need for the information—
*903 (i) in connection with a business transaction that is initiated by the consumer; or
(ii) to review an account to determine whether the consumer continues to meet the terms of the account.
(G) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
15 U.S.C. § 1681b(a)(3).
6The question the Court must answer is whether the foregoing statutory provisions create a substantive right, the violation of which is sufficient to establish standing under Article III. Although decisions rendered since Spokeo vary by Circuit, the Court finds the decision in Burke v. Federal National Mortgage Association, Case No. 3:16 CV 153, 2016 WL 4249496, 2016 U.S. Dist. LEXIS 105103 (E.D. Va. Aug. 9, 2016). to be persuasive, given its factual similarities to Ms. Griffin's case.
Burke claimed Federal National Mortgage Association violated § 1681b(f) of the FCRA by obtaining her credit report, at least twice, without a permissible purpose. Federal National argued that Burke's alleged harm of increased risk for identity' theft or further invasion of privacy were speculative and lacked particularity, thus failing to satisfy Article III standing requirements. Burke argued that in enacting the FCRA, Congress created a substantive right to privacy and, therefore, that a procedural violation of the FCRA was sufficient to establish standing.
The Court in Burke agreed that the privacy interest protected under the FCRA was a substantive right and denied defendants' Motion to Dismiss for lack of standing, finding as follows:
The FCRA was meant to protect the interest of privacy. The portion of the FCRA at issue here is clear that one's consumer report is not to be obtained except for the limited purposes specifically provided by the statute. The language and context of this provision seem to establish a statutory right to privacy based in one's consumer report. As Spokeo counsels, this Court must defer to history and the judgment of Congress in deciding whether the alleged harm constitutes an injury-in-fact. In some sense, the right at issue can appear procedural, as it is a mechanism intended to prevent future harms. Yet, given the purposes, framework, and structure of the FCRA, the right to privacy established by the statute appears to be more substantive than procedural.
Burke, 2016 WL 4249496, at *4, 2016 U.S. Dist. LEXIS 105103, at *10 (citing Thomas v. FTS USA, LLC, Case No. 3:13 CV 825, 193 F.Supp.3d 623, 2016 WL 3653878, 2016 U.S. Dist. LEXIS 85545 (E.D. Va. June 30, 2016)).
Following the reasoning in Burke, the Court in Firneno v. Radner Law Group, PLLC, Case No. 2:13 CV 10135, 2016 WL 5899762, 2016 U.S. Dist. LEXIS 142907 (E.D. Mich. Sept. 28. 2016), examined whether the unauthorized viewing and retention of a plaintiff's private financial information is a violation of privacy sufficient to satisfy the concreteness element for Article III standing. Id. at *4, 2016 U.S. Dist. LEXIS 142907 at *11. Plaintiffs in Firneno claimed the named defendants had unlawfully obtained their credit and FICO scores, addresses, partial social security' numbers, and debt amounts. The Court held that the "right to privacy is 'more substantive than procedural' such that the alleged violation is a concrete harm." Id. See also Moody v. Ascenda USA Inc., Case No. 16–CV–60364, 2016 WL 5900216, 2016 U.S. Dist. LEXIS 140712 (S.D. Fla. Oct. 5, 2016); Perrill v. Equifax Information Services, LLC, Case No. A–14–CA–612, 205 F.Supp.3d 869, 2016 WL 4572212, 2016 U.S. Dist. LEXIS 117104 (W.D. Tex. Aug. 31, 2016).
*904 Based on the foregoing, the Court finds that the FCRA violations alleged by Ms. Griffin are sufficient to establish Article III standing, as the right to privacy contemplated by Congress under the FCRA is a substantive and. as such, the alleged violations committed by Defendants when they obtained Ms. Griffin's credit report without a permissible purpose constitute a concrete harm. Accordingly, the Court has subject matter jurisdiction over Ms. Griffin's FCRA claim and the allegations set forth in the Complaint are sufficient to withstand dismissal.
The Motion to Dismiss filed by Defendant, Bank of America, N.A. (Docket # 13) and the Motion to Dismiss Count I of the Complaint filed by Defendant. Bayview Loan Servicing, LLC (Docket # 18) are hereby DENIED.
A status conference remains set for January 3, 2017 at 9:00 a.m.
Griffin v. Bank of Am., N.A., 226 F. Supp. 3d 899, 900–04 (N.D. Ohio 2016)
Who can pull a credit report and when can they pull it.
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Griffin v. Bank of Am., N.A., 226 F. Supp. 3d 899, 900–04 (N.D. Ohio 2016)
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David A. Szwak
Bodenheimer, Jones & Szwak, LLC
416 Travis Street, Suite 1404, Mid South Tower
Shreveport, Louisiana 71101
318-424-1400 / Fax 221-6555
President, Bossier Little League
Chairman, Consumer Protection Section, Louisiana State Bar Association
Bodenheimer, Jones & Szwak, LLC
416 Travis Street, Suite 1404, Mid South Tower
Shreveport, Louisiana 71101
318-424-1400 / Fax 221-6555
President, Bossier Little League
Chairman, Consumer Protection Section, Louisiana State Bar Association
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- General Discussion
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- FCRA Statute And Amendments: 15 U.S.C. 1681, et. seq.
- What is a Consumer [Credit] Reporting Agency?
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- Resellers: Who are They? What Do They Do? Are They Liable Under the FCRA?
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- FCRA Private Rights of Action and Duties Imposed by the FCRA
- Impermissible Access: 15 U.S.C. 1681b[f] and 1681q
- Front End Duties of the Credit Reporting Agencies: 15 U.S.C. 1681e(b)
- Back End Duties of the CRAs: 1681i[a]:
- Credit Bureau's Duty to Provide Consumer Documentation to Furnisher: 1681i[a][2][B]
- Duty to Add a Consumer's Dispute Statement in Association with a Specific Account and In Connection with the Credit File/Report: 15 U.S.C. 1681i[c]
- Furnisher FCRA Liability: 15 U.S.C. 1681s-2
- Failing to Mark Contested Accounts As Disputed: 15 U.S.C. 1681s-2[a][3]
- Obsolescence: When Must the Credit Reportings Come Off of the Credit Report: 15 U.S.C. 1681c
- Duty to Notate Disputed Accounts As Such: 15 U.S.C. 1681c[f]
- Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA
- Credit Solicitations Are Required to be Clear and Conspicuous: 1681m[d]
- Potential Exposure For Sanctions Due to Filing Bad Faith FCRA Cases: 15 U.S.C. 1681n[c], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11
- Credit Repair Organizations Act [CROA]
- 1681g: Credit Bureaus' Duties to Provide Reports/Disclosures and to Add 100 Word Statements of the Consumer
- Affiliate Sharing Problems and Violations, 15 U.S.C. 1681s-3
- Common Credit Report Errors and Agency Misconduct
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- Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings
- Reinsertion of Previously Deleted Data: How and When Can It Happen?
- VIP Databases and Offline Status
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- Causation: The Crucial Link Between Breach of a Duty and Damages
- Causation to Damage [Proving Your Damages Are Related to and Caused by the Defendants
- Types of Damages, Remedies, and Awards Under the FCRA and Related State Law Claims
- Damages Under FCRA
- Punitive Damages: 15 U.S.C. 1681n
- Injunctive Relief: FCRA and State Law
- Attorneys' Fees, Litigation Expenses and Costs:
- Declaratory Relief Under the FCRA
- What is Your Potential Case Worth? Other Case Verdicts, etc.
- FCRA Jury and Bench Trial Verdicts
- Other Federal Laws Related to Credit Reporting, Data Privacy, Billing Errors and ID Theft
- FDCPA Statute And Amendments: 15 U.S.C. 1692, et. seq.
- Fair Credit Billing Act, 15 U.S.C. 1666, et. seq.
- Identity Theft and Assumption Deterrence Act of 1998, 18 U.S.C. §1028
- Home Affordable Modification Program ("HAMP") and Home Affordable Foreclosure Alternatives Program ("HAFA")
- State Law Claims Related to Credit Reporting, Billing Errors, Privacy Breaches and ID Theft
- Invasion of Privacy: State Law
- Defamation: State Law
- Interference With Prospective Credit: State Law
- Interference With Marital/Family Relations: State Law
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- Data Breach Claims and Issues
- Unfair and Deceptive Trade Practices Claims: State Law
- Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Pre-Trial Jurisdicti
- Removal of FCRA Cases From State Court To Federal Court
- Personal Jurisdiction and Venue in Credit Reporting Cases
- FCRA Litigation Strategies and Procedural Issues and Law
- Settlements, Releases, Prevailing Party Status, and Other Things You Need to Know If You Resolve Your Case Before Judgment
- Offers of Judgment In FCRA Litigation
- Secret Documents, Product Information and Testimony
- Choicepoint Secret Documents:
- Equifax/CSC and Affiliates Secret Documents:
- Experian Secret Documents
- Innovis Secret Documents:
- Trans Union Secret Documents
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- Respondeat Superior, Vicarious Liability, and Whether Others Are Liable
- Liability For Employee's FCRA Violations? Liability For FCRA Violations by Third Parties?
- FCRA Preemption, Immunity, and Qualified Immunity
- FCRA Preemption: 15 U.S.C. 1681t[b][1][F] and Related Discussions
- FCRA Qualified Immunity: 15 U.S.C. 1681h[e] and Related Discussions
- States/Govermental Immunity From FCRA Claims?
- Jury Voir Dire, Instructions, Verdict Forms, etc.
- Jury Instructions and Jury Verdict Forms
- Jury Questionnaires, Voir Dire, Jury Selection and Jury Bias
- Credit Card Issues
- Credit Card Liabilities
- Do You Have a Right to Bring Claims and How Long Do You Have?
- Statute Of Limitation: 15 U.S.C. 1681p
- Standing to Sue
- Credit Scores, Adverse Action Codes, and Other Report Codes
- Credit Scores, Adverse Action Codes, Risk Factors, Denial Codes and Other Scores and Codes Supplied by the Credit Reporting Agencies
- The Mechanics of Credit Reporting
- Public Records Reportings [Non-Bankruptcy]
- Bankruptcy Reporting
- Student Loan Credit Reporting
- Metro Tape [I and II]: Standardized Credit Reporting Formats Used by the Credit Industry
- Defenses Asserted by Credit Reporting Defendants
- What Law Applies? Problems Barring Use of the Court and Law
- Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses
- Conflicts of Laws Issues in FCRA and Related State Law Issues
- Standing and Statutes of Limitations
- Statute Of Limitation: 15 U.S.C. 1681p
- FCRA Legal Forms [Suits, Discovery, etc.]
- Discovery: Interrogatories, Requests For Production of Documents, Requests to Inspect, Requests For Admissions, Deposition Notices, Subpoenas, Deposit
- FCRA Sample Pleadings: Complaints, Motions, Oppositions and Other Standard Lawsuit Filings
- Defenses Frequently Asserted by Defendants to Consumer's Actions
- FCRA Class Actions and Class Issues
- FCRA Class Actions
- Special Evidentiary Issues: What is Evidence?
- Evidentiary Issues in FCRA Cases
- Expert Witnesses, Special Issues and Daubert and Related Challenges
- Appellate Issues, Rules, Law, Etc.
- Defenses Asserted by Industry and Abuse Stories
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Snow Emergency Causes Universities to Shutdown
Photo: Getty Images
The winter weather has caused universities all across the state to close. Several counties across Michigan have accumulated 12-14 inches of snow, there are areas that have up to 18 inches currently.
- The University of Michigan has cancelled all classes for Monday February 2, 2015 until 6 p.m.
- Michigan State University has cancelled all classes until noon
- Eastern Michigan University is closed Monday and will reopen Tuesday
- Western Michigan University is closed Monday, school will resume Tuesday
There are several schools closed across the state as well. Click here for a full list of closings.


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Find Missing Steven Wayne Ketchum!
He is missing from home.
He left but took no personal belongings with him.
He has been missing for over one month.
Where is Steven Wayne Ketchum?
Find Missing Steven Wayne Ketchum!
Find Missing Steven Wayne Ketchum! Steven Wayne Ketchum went missing from Malden, Missouri, on July 13, 2018. Steven left home and tried to jump a train in Malden, Missouri. But he ran from police and left his belongings behind. He has no identification on him. Steven has tattoos from his neck down to his waste. He is believed to be experiencing meth psychosis. Steven Wayne Ketchum is a Caucasian male. Steven is 26 years old. He has brown eyes and red facial hair. His head is normally bald. He has tattoos from his beard line to his waist. And he has tattoos from his wrists to his shoulders. There is a $1500.00 reward for information that leads to Steven's whereabouts.
Find Missing Steven Wayne Ketchum!
Missing persons searches are unequal. Steven is male. Also, mental illness and drugs may be involved in his disappearance. These three factors stack the deck against him when it comes to his search. Very few results appear for him in Internet searches. I was not able to find any press releases. But Steven is someone's loved one. They want to bring him home. Where is Steven? Someone (s) knows something. Do you have any information concerning the whereabouts of Steven Wayne Ketchum? Do you have any information concerning any person (s) involved in his disappearance?
If you have information, please contact the Malden Police Department at 573-276-2211. You may contact the Missouri State Highway Patrol Toll-Free Telephone Line at: (800) 877-3452. The Missing Persons Unit provides a toll-free hotline for parents, law enforcement agencies or others to provide information about missing and unidentified persons. You may email: email@example.com
NamUs Number: MP51339
Steven Wayne Ketchum has a NamUs profile. Click here to view it.
The above image and additional information are courtesy of Missouri Missing.


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In addition to our Week In Review (WIR) and OFCCP Compliance Alerts, we added a new subcategory called Compliance Tips. These posts are quick snippets of advice for federal contractors, provided by a variety of field experts. This week's tip is from Candee Chambers, Vice President of Compliance & Partnerships at DirectEmployers Association.
Today's OFCCP Compliance Tip: When You Receive A CSAL
When you receive a CSAL, or even an actual Scheduling Letter, make sure you check your website to ensure an individual with a disability who needs assistance in applying for a position with your company can get the type of help required. Click on the link or call the phone number that you have displayed for people to get assistance and check the following:
- Did someone answer the phone? If not, how long did it take someone to return the call?
- Did someone respond to an email? How long did it take to receive a response?
- Did the individual(s) answering the phone and/or email know how to provide the assistance needed?
This can be very important in an OFCCP audit as the Compliance Officer will most likely go to your website and apply for a job. Make sure the experience they have is a positive one!
Candee Chambers, SPHR, SHRM-SCP, SR. CAAP, serves as the Executive Director of DirectEmployers and CEO for the organization's wholly owned subsidiary, Recruit Rooster. She is responsible for not only leading a team of over 60 people from seven departments but also for the continual development of the OFCCP compliance and recruitment marketing solutions for Members of the Association. Full Bio »


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Heat Trace Cable - PVC - 1.9 FT x 35.1 FT – 120 V
General Description
Heat Trace Cable - PVC - 1.9 FT x 35.1 FT – 120 V
The heat trace cable has a PVC coating and is 254.2 FT long. The cable has a voltage of 120 V with a power of 3100 W.
The heat cable mat is securely installed under pavement prior to the pouring of asphalt or concrete in a driveway or sidewalk. The cable is spliced to cold leads, which are connected to a control unit. Once the unit is connected to its power source, the cable provides radiant heat and warms the surrounding area.
The heat cable mat is ideal for preventing ice and snow buildup in commercial and residential settings for driveways, sidewalks, and other outdoor areas where hard material, such as concrete, asphalt, or pavers, is installed.
Technical Details
|Same as The Home Depot
|Mat Dimension:
|1.9 FT x 35.1 FT (W x L)
|Cable Conductor Insulation:
|Fluoropolymer and XLPE
|Cable Outer Insulation:
Do you have a question about this product?
Does the sensor and controls come with the Deelat smow melting mat?
Hello Troy, thank you for your question. The sensor is built into the driveway heating cable mat so the answer to your question is yes it does. However, no controls come with the driveway heating cable mat
Do the cables come in custom configurations for curved driveways?
Hello Nathan, thank you for your question. For a curved drive way we recommend purchasing the driveway heating cables instead of the preassembled mats. The reason is you are able to install the cable in whatever pattern you wish which will benefit you if you have an oddly shaped driveway. Please look at SKU# D1775422 for your reference.This is our 100 ft length, but we sell these driveway heating cables in many length,
How long does it take to heat 4inches of concrete?
Hello Erin, thank you for your question. It would take roughly 30-45 minutes to heat up 4" of concrete if the driveway heating cables are installed in the recommended pattern shown in the manual provided with the cables.
Is this cable good for a flat roof? I am trying to have some snow melt on my flat roof.
Hi Tony, thank you for your question. We strongly advise you to use a de-icing cable, not a driveway heating cable. Click here to view de-icing cables: https://www.deelat.com/building-materials/outdoor-de-icing-heating-cables/ Deelat outdoor de-icing cables are plugged into electrical outlets and heat up internally to raise the temperature of surrounding areas. Deelat outdoor de-icing cables are used around piping and on various types of roofs in both commercial and residential settings for freeze protection.


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For some time now, RCBC AccessOne has been called RCBC Online Banking and RCBC has reflected this change on the url as well. A few changes are apparent:
- the GCASH tab is no longer automatically displayed on the RCBC Online Banking dashboard
- some RCBC and GCash users have reported not being able to link their GCash to their RCBC MyWallet accounts
The GCash option is still available and you can still manually add it to your Dashboard by doing the following:
However, as RCBC's Customer Care has informed me, the feature to link RCBC MyWallet to your GCash or registering for RCBC Mobile Banking with your MyWallet is currently not available. I have attempted to link my new RCBC MyWallet to my GCash account and only got the error message that GCash could not be linked to my RCBC MyWallet.
Update: June 19, 2018
I would like to also emphasize that even though there is an option in the GCash mobile app to add your MasterCard or Visa Debit Card for cash-in, adding your RCBC MyWallet Visa Debit card is not allowed and you will only get a text notification that the attempt to add the card is unsuccessful.
RCBC MyWallet to GCash cash-in continues to be disabled for now.


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The OneLoveOneWorld team built the organization together in Nepal and has been successfully implementing projects for disadvantaged children, young people, women and men since 2009. We see ourselves as a learning organization that is constantly evolving. A committed, professional and socially competent team forms the basis of our work.
Ritu Shrestha has been working as managing director and social pedagogue at OneLoveOneWorld Nepal in Kathmandu since 2011.
Ritu is a social worker (BA) and has a Master's degree in Sociology and Anthropology.
Contact: firstname.lastname@example.com
Shree Krishna Nepali has been working as a social pedagogue in the residential group for children in need since 2015. Krishna is a teacher, has gained teaching experience and noticed that he enjoys dealing with children and young people the most. We are very happy to have Krishna in our team.
Damber Lata Rajbanshi has been working in our residential group as a caregiver since 2016. She has a Bachelor of Arts in Social Work, a Master of Sociology and since 2016 in Psychology. Lata is a specialized psychotherapist and is currently studying for a bachelor's degree in law.
OneLoveOneWorld Founding Team Members
Leonie York
Kinder- und Jugendlichenpsychotherapeutin (i.A.)
Development Studies (MA)
Social Work (BA)
Kulturpädagogik (Zusatzstudium)
Contact: firstname.lastname@example.com
Stephanie Theis
CAS Projektmanagement
Development Studies (MA)
Social Work (BA)
Contact: firstname.lastname@example.com


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In its 16th edition, The Crossword Book Award, India's first and most prestigious Book Award, recognises and rewards the best of Indian writing and Indian authors.
a. Jury Category comprising best fiction, non-fiction, children's books and translations.
b. Popular category comprising best fiction, non-fiction, biography, business & management, health & fitness, and children's writing.
Incepted in 1998, over the years, the awards have been equated to the Commonwealth Writer's Prize, The Pulitzer and The Booker, and are a definitive, veritable platform for Indian Authors. Indian writing in English has been a bridge of sorts, taking the unique nuances of Indian culture to homes across the world.
The very best of Indian writing in English has been honoured with the Crossword Book Award. Salman Rushdie, Amitav Ghosh, Neel Mukherjee and Kiran Desai, are among past winners of the award; and they have raised the bar for its esteem and reverence.
The shortlist for the jury category was released yesterday. Some of the most distinguished writers of the country such as Upamanyu Chatterjee, Perumal Murugan and Manu Pillai are on the list.
Maulik Desai, Head, Crossword Bookstores says, "The jury shortlist of the Crossword Book Award has traditionally upheld very high standards. The jury sifts through innumerable entries, filtering and perusing and they delve right into the goldmine of 'Indian writing in English', in order to curate this list."
In the past, the Crossword Book Award Jury Shortlist has included luminaries such as Booker-nominated Jeet Thayil, Pulitzer Prize-winner Jhumpa Lahiri among others. William Dalrymple, Arunava Sinha and Vikram Seth are a few past winners of this award.
Friend of My Youth by Amit Choudhary, Penguin Random House India
Leila by Prayaag Akbar, Simon & Schuster India
Temporary People by Deepak Unnikrishnan, Penguin Random House
The Book Hunters of Katpadi: A Bibliomystery by Pradeep Sebastian, Hachette India
The Revenge of the Non-Vegetarian by Upamanyu Chatterjee, Speaking Tiger
Maid in India by Tripti Lahiri, Aleph Book Company
Dreamers by Snigdha Poonam, India Viking
The Flavour of Spice by Marryam H Reshii, Hachette India
Rebel Sultans by Manu S Pillai, Juggernaut Books
Daughters of the Sun by Ira Mukhoty, Aleph Book Company
Unbroken by Nandhika Nambi, Duckbill Books
When Morning Comes by Arushi Raina, Duckbill Books
Indira by Devapriya Roy and Priya Kuriyan, Westland Books
Hit for a Six by Payal Dhar, Rupa Publications
What Maya Saw by Shabnam Minwalla, Harper Collins India
Ocean Rimmed World by R.N. Joe D'Cruz, translated by G. Geetha, Oxford University Press
Chinatown Days by Rita Chowdhury, translated by Rita Chowdhury, Pan Macmillan
Jasmine Days by Benyamin, translated by Shahnaz Habib, Juggernaut Books
The Goat Thief by Perumal Murugan, translated by N Kalyan Raman, Juggernaut Books
The Unseeing Idol of Light by K.R. Meera, translated by Ministhy S, Penguin Random House India
Many of the awardees, over time, have been discovered by Crossword Book Award itself and they have invariably risen to importance in the world of literature. Over the years, Crossword Book Award winners have grown to command a loyal international following as well. A total of 11 awards will be given on December 20, 2018.
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Believe it or not, I have been blogging for just over two years. However, I've been blogging on a more serious note for the last year. When I first set up this blog I didn't have a clue what I was doing, which is why I have hidden a few posts from back then. I wrote about all sorts of rubbish, trying to be funny, forcing posts when there was nothing I wanted to write about. I was clueless about what running a blog would actually be like. So here's a few things I wish I knew when I first started blogging.
Growth doesn't just happen overnight. You don't create a blog, make a website, write a post and BAM you're a hit. I never thought that's how it worked, but I didn't realise the amount of effort that would be required to get myself out there. Believe me, it really does take quite a lot of work to create something worth reading. I'm still loving what I'm writing, but I write in a different way now which makes it more appealing to my audience. Back when I first started I could write a post in half an hour, maybe less sometimes. Now it takes the best part of a few hours to create a post I am happy with. Growth, in all aspects of blogging, happens gradually with hard work. I am proof of this.
Don't expect results if you're not putting the work in. To be honest, I was quite naive when I started blogging. I didn't realise just how saturated this industry is. Nowadays you have to work harder than ever to leave an imprint on the community and to get your name heard. It won't happen magically unless you're extremely lucky. To be noticed and have your audience grow you will have to work extremely hard – harder than you think. If you're putting in the time, effort and hard work then it will show and pay off in the end.
Not everyone you come across in this community will want to support you. When I first started I didn't speak to many people in the community, not because I didn't want to, but because I didn't know how. I felt intimidated and like no one would take my little blog seriously. Over time I have gained the confidence to get more involved in the community and get to know other bloggers. From my experience, the majority of the people you will come into contact with will be extremely supportive and kind. However, there will be the odd person that is more interested in numbers than supporting anyone with any less than a certain number of followers. It's okay, as long as you focus on the supportive people, you'll love the community you're now a part of.
Getting involved in the community is not only beneficial but also so much fun. I used to be too shy to even follow bloggers because, as said previously, I was worried I wouldn't be taken seriously. Let that fear go! Get involved with Twitter chats, Facebook groups and group chats. You will have so much fun, get to know so many wonderful people and even grow your own blog. By pressing a few follow buttons and tweeting people you will open yourself up to so many new people, and even opportunities. Mixing with people that have the same interests as you will make your blogging journey much more enjoyable.
These are just a small amount of things I wish I knew when I first started blogging. I hope this helps anyone that is needing a little advice; whether you've been blogging a while, are new or thinking of starting. If you would like to know more about what I wish I knew, please let me know!


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Ford approves new £181m Brit-built petrol engine range
Ford has approved a new £181 million range of petrol engines to be built at its plant in Bridgend, South Wales – entirely coincidentally, in the same week as #dieselgate threatens the future of the diesel engine.
Production of the new engines will begin in late 2018. They are currently being designed by teams based in Britain and Germany.
Welsh economic minister Edwina Hart welcomed the news: "Ford is a Welsh Anchor Company and the Bridgend Engine Plant plays a key role in the economy of South Wales.
"In a climate of stiff global competitiveness, we have been actively seeking to win a share of this investment for Wales and so we are delighted with today's announcement"
A total of 750 skilled Welsh jobs will be secured "for many years", added Hart.
Ford used the announcement to remind us that one in four of all Fords sold in Europe uses an Ecoboost petrol engine. One in five uses the award-winning 1.0-litre Ecoboost petrol motor.
Five million Fords sold worldwide have been fitted with an Ecoboost petrol engine, which uses features such as turbocharging and direct injection to improve fuel economy and reduce CO2 emissions to near-diesel engine levels – without the associated NOx penalties.
As the VW emissions scandal threatens to engulf the automotive industry and the future of diesel in Europe, Ford's Welsh investment may be extremely well-timed. Prepare to be busy, Bridgend…


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User interface
- Dashboard: recent documents, current projects
- Clean, functional and customizable interface: design of sheet metal parts and welded joints
- Smart, intuitive and comprehensive menus
Integrated libraries
- Standard structural elements: I-Beams, hollow extrusions, etc.
- Standard fasteners: screws, bolts, washers, nuts, etc.
- And much more free to download from the TopSolid'Store:dowel sleeves, cold-formed sections, methods, etc.
Creation of smart components
- Simplified configuration
- Create your own models of railings, stairs, fasteners, etc.
- Build on your construction methods and your know-how
Production of documents
- Commercial documents: integration plan, realistic rendering, virtual tour, 3D PDF, animation, etc.
- BOM documents: supply, debit, subcontracting, etc.
- Detailed drawings: master plan, drawings with automatic dimensioning, etc.
- Import/Export of .dxf/.dwg (Autocad) and other files:layout drawings, plans, 3D files, flattened drawings, etc.
- Import/Export of IFC files (BIM): 3D environment, data, management of levels of detail (LOD), etc.
- BOM export: OptiCut interface, .csv, PDF, etc.
Product Data Management (PDM)
- Business management: document organization, search, copy/paste, etc.
- Index management: history of changes, document validation, etc.
- Favorite searches: components, documents, tools, etc.
Integrated manufacturing
Control of CNC machines:
- Cutting (laser, oxycutting, water jet, etc.)
- Punching, stamping
- Milling, turning
- and more...


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Mobile BI Market Worth 11.13 Billion USD by 2021
10 Jan, 2017, 10:30 GMT
PUNE, India, January 10, 2017 /PRNewswire/ --
According to a new market research report "Mobile BI Market by Type (Software, Services), Business Function (IT, Finance, Sales, Marketing, Operations, HR), Business Application, Organization Size (SMES, Large Enterprises), Industry Vertical and Region - Global Forecast to 2021", published by MarketsandMarkets, the Mobile Business Intelligence (BI) Market is estimated to grow from USD 4.08 Billion in 2016 to USD 11.13 Billion by 2021, at a Compound Annual Growth Rate (CAGR) of 22.2%.
(Logo: http://photos.prnewswire.com/prnh/20160303/792302 )
Browse 81 market data Tables and 59 Figures spread through 165 Pages and in-depth TOC on "Mobile BI Market"
Early buyers will receive 10% customization on this report.
The major forces driving the Mobile BI Market are increasing Bring Your Own Device (BYOD) trend, rise of Mobile Enterprise Application Platform (MEAP), growing popularity of Representational State Transfer Application Programming Interface (REST APIs), proliferation of in-memory computing, and rapid advancement of mobile device features. The Mobile BI Market is growing rapidly because of the transformation from traditional BI techniques for analyzing business data to advanced techniques and the massive surge of flowing structured and unstructured data.
Sales business function expected to grow at the highest CAGR
Mobile BI tools and services are used for various business functions, which include Information Technology (IT), marketing, finance, sales, operations, and Human Resource (HR). Sales are expected to witness the highest CAGR during the forecast period among all business functions because of the increasing need for sales departments across industry verticals for shortening the sales cycle and maximizing cross-sell and up-sell opportunities across organizations.
Ask for PDF Brochure @ http://www.marketsandmarkets.com/pdfdownload.asp?id=259491833
BFSI is estimated to have the largest market size in 2016
The Mobile BI Market is also segmented by various industry verticals, out of which the adoption of mobile BI is expected to be the largest in the Banking, Financial Services, and Insurance (BFSI) vertical as the volume and variety of data is increasing day-by-day with the growing demand of IT systems for financial transactions in banks and other financial service institutes.
North America is expected to dominate the Mobile BI Market during the forecast period
North America is expected to hold the largest share of the Mobile BI Market in 2016 due to the technological advancements and early adoption of BI solutions in the region. The market in Asia-Pacific (APAC) is expected to grow at the highest CAGR from 2016 to 2021. The primary driving forces for this growth are increasing technological adoption and huge opportunities across industry verticals in the APAC countries, especially India, China, and Japan.
The Mobile BI Market report also encompasses different strategies, such as mergers & acquisitions, partnerships & collaborations, and product developments, adopted by the major players to increase their share in the market. Some of the major technology vendors include IBM Corporation (U.S.), SAP SE (Germany), Microsoft Corporation(U.S.), Oracle Corporation (U.S.), MicroStrategy (U.S.), SAS Institute (U.S.), Tableau Software (U.S.), Information Builders (U.S.), TIBCO Software (U.S.), Yellowfin International Pty Ltd. (U.S.), and Qlik Technologies (U.S.).
Inquiry before Buying @ http://www.marketsandmarkets.com/Enquiry_Before_Buying.asp?id=259491833
Browse Related Reports
Self-Service BI Market by Type (Software, Services), Application (Sales & Marketing Management, Customer Engagement & Analysis, Predictive Asset Maintenance), Business Function, Deployment Model, Vertical, & Region - Global Forecast to 2021
Mobile Analytics Market by Type (Mobile Advertising and Marketing Analytics, In-app Behavioral Analytics, Application Performance Analytics, and Others), by Deployment, by Verticals, by Region - Global Forecast and Analysis to 2020
About MarketsandMarkets
MarketsandMarkets is the largest market research firm worldwide in terms of annually published premium market research reports. Serving 1700 global fortune enterprises with more than 1200 premium studies in a year, M&M is catering to a multitude of clients across 8 different industrial verticals. We specialize in consulting assignments and business research across high growth markets, cutting edge technologies and newer applications. Our 850 fulltime analyst and SMEs at MarketsandMarkets are tracking global high growth markets following the "Growth Engagement Model - GEM". The GEM aims at proactive collaboration with the clients to identify new opportunities, identify most important customers, write "Attack, avoid and defend" strategies, identify sources of incremental revenues for both the company and its competitors.
M&M's flagship competitive intelligence and market research platform, "RT" connects over 200,000 markets and entire value chains for deeper understanding of the unmet insights along with market sizing and forecasts of niche markets. The new included chapters on Methodology and Benchmarking presented with high quality analytical infographics in our reports gives complete visibility of how the numbers have been arrived and defend the accuracy of the numbers.
We at MarketsandMarkets are inspired to help our clients grow by providing apt business insight with our huge market intelligence repository.
Mr. Rohan
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Suite 2175, Seattle,
WA 98101, United States
Tel: 1-888-600-6441
Email: firstname.lastname@example.com
Visit MarketsandMarkets Blog @ http://www.marketsandmarketsblog.com/market-reports/telecom-it
Connect with us on LinkedIn @ http://www.linkedin.com/company/marketsandmarkets
SOURCE MarketsandMarkets


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Related provisions for INSPRU 7.1.3A
1 - 10 of 10 items.
There are two regulated activities associated with the activities of a dormant account fund operator under the Dormant Bank and Building Society Accounts Act 2008:(1) the meeting of repayment claims; and(2) managing dormant account funds (including the investment of such funds).
Agreeing to carry on most regulated activities is itself a regulated activity. But this is not the case if the underlying activities to which the agreement relates are those of accepting deposits, issuing electronic money,10effecting or carrying out contracts of insurance, operating a multilateral trading facility, operating an organised trading facility26, managing dormant account funds, the meeting of repayment claims75, managing a UCITS, acting as trustee or depositary of a
A contravention of a rule in SYSC 11 to 2SYSC 21,7SYSC 22.8.1R, SYSC 22.9.1R or SYSC 23 to9SYSC 288 does not give rise to a right of action by a private person under section 138D of the Act (and each of those rules is specified under section 138D(3) of the Act as a provision giving rise to no such right of action). 34437
5The following regulated activities may be carried on in relation to property of any kind:(1) managing a UCITS;(2) acting as trustee or depositary of a UCITS;(3) managing an AIF;(4) acting as trustee or depositary of an AIF;(5) establishing, operating and winding up a collective investment scheme;(6) establishing, operating and winding up a stakeholder pension scheme;(7) establishing, operating and winding up a personal pension scheme;(8) meeting of repayment claims; and(9) managing
Application of different sections of SUP 16 (excluding49 SUP 16.13, SUP 16.15, SUP 16.16 and SUP 16.17) 425239and SUP 16.2239)27(1) Section(s)(2) Categories of firm to which section applies(3) Applicable rules and guidanceSUP 16.1,SUP 16.2andSUP 16.3All categories of firm except:Entire sections(a)an ICVC;(b)an incoming EEA firm or incoming Treaty firm, which is not:(i)a firm of a type to which SUP 16.6 or 20SUP 16.1220 applies; or(ii)an insurer with permission to effect or carry
713Where a complaint meets the requirements of DISP 2.8.9R(2)(d), those parts of the complaint that relate to the grounds of rejection of the claim are not subject to the restriction in DISP 2.8.9R(1) on an Ombudsman considering the complaint.
Table of applicable rules containing data items4, frequency and submission periods(1)(2)(3)(4)RAGnumberRegulated ActivitiesProvisions containing:applicabledata itemsreporting frequency/ perioddue date323227121237RAG 1 • accepting deposits • meeting of repayment claims76 managing dormant account funds (including the investment of such funds)76RAG 1 firms should complete their prudential reporting requirements as set out in the PRA Rulebook.76RAG 2.1• effecting contracts of insurance•
Table of application, notification, vetting and other fees payable to the FCA3231Part 1: Application, notification and vetting fees3131(1) Fee payer(2) Fee payable (£)37Due date(a) Any applicant for Part 4A permission (including an incoming firm applying for top-up permission) whose fee is not payable pursuant to sub- paragraph (zza)52 of this table26(1) Unless (2),41 (3) or (4)41 applies, in1 respect of a particular application, the highest of the tariffs set out in FEES 3 Annex


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Home > Feature
Park Shin-hye to make kimchi for quake victims
Park Shin-hye will extend a helping hand for those living in earthquake-stricken city of Pohang, North Gyeongsang Province, by participating in a kimchi-making event, her agency said Friday.
According to S.A.L.T. Entertainment, the actress will participate in a gimjang, or kimchi-making, event in Seoul on Dec. 10.
The project will involve some 60 people including Park, members of her fan club, and officials at Korea Food for Hungry International, a relief group of which Park is a goodwill ambassador.
The event is expected to make kimchi for some 200 people in the Pohang region.


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Layeredtech.com Promotion Code
Web Hosting Layeredtech.com
Layered Tech is a hosting company offering managed, dedicated managed and cloud hosting services. Unfortunately, it has proven to be very difficult to figure out the pricing of available plans. Customers are required to request a quote which, in spite of repeated attempts to submit a request, was unsuccessful.
It is equally difficult, if not impossible, to clearly determine what is actually included in various plans at present, although it is possible to see what was available in 2008 (and what was charged per month at the time) by visiting web-hosting-top, who list these details. As we can not guarantee that these details are still correct today, we have refrained from using them.
In any case, the company claims to offer the best in terms of services, experience, technology, flexibility and security. According to various user LAYERED TECH reviews, this may be a little of an over-statement. Some of these comments, to be perfectly honest, were actually very negative, in particular with respect to customer services and technical support.
Considering the difficulties we have experienced in just getting a quote, the overall ratings are certainly dragged down by low marks for technical knowledge and support, customer support, billing and value for money. Reliability, uptimes and connection speeds, however, received comparatively good ratings.
What does certainly speak in the company's favour is the availability of a host of LAYERED TECH promo codes. These code include, for example, the opportunity to double RAM on standard servers, add secondary drives or free upgrades of varying descriptions, free control panels, free Standard Windows 2003, free Redhat Enterprise and more.
Some of the LAYERED TECH discounts on offer are 25% off the first quarter (3 months) on standard servers, 50% off the price for the first month or 3 free months with the purchase of a 9 months subscription.
To conclude, Layered Tech would be better off making their pricing clearer from the start, without potential customers having to go through the performance of trying to get a quote.
The fact that it takes ages of clicking from page to page before anything resembling a detailed description of features actually available is likely to put many potential users off before they get half way through and support seems to need somewhat of a shake up before it can be said that all is well.
Promotion code:
DOC08RAM – Double The RAM on Any Standard Server
DOC08HD – Double The Drive (Add Secondary Drive of Equal or Lesser Value)
DOC08BW – Upgrade BW from 2000GB to 3300GB on Any Standard Server
DOC08RAD – Free RAID upgrade on Any Standard Server
DOC08CP – Free Control Panel on Any Standard Server
DOC08WIN – Free Windows 2003 Standard on Any Standard Server
DOC08RH – Free Redhat Enterprise Standard on Any Standard Server
DOC081/2OT – Half off one time upgrade
DOC0850GB – Free 50GB Dynavol with the Purchase of Any Standard Server
DOC0825% – 25% off first 3 months on Any Standard Server
DOC081/2FM – Free Set Up Plus Half Off the First Month
DOCO82MON – 3 Months FREE with 9 month purchase


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Tour de Tonka - Saturday, August 1, 2020
Tour de Tonka has become "MINNESOTA'S RIDE" in just over a decade's time
In just over a decade's time, the annual Tour de Tonka bike ride has become a staple of the west metro community, growing from 819 riders in 2006 to nearly 3,500 riders annually. Riders from more than 166 Minnesota cities and 42 states have participated in the event. Countless riders from across the state tell us each year that Tour de Tonka is Minnesota's Ride.
Who Rides in Tour de Tonka
"Bicycle riders participate in Tour de Tonka because it is pure fun," Tim Litfin, Tour de Tonka Director, said. "All ages and all abilities– from families and recreational bicyclists to cycling teams and serious athletes can successfully ride and enjoy the beautiful scenery and be part of this highly organized event."
Tour de Tonka Routes
Riders choose between eight distances from 16 to 100 miles. There are 12 rest stops along the routes, where riders enjoy food, live music, rest and conversation. Tour de Tonka's routes move through 24 west metro communities– all of which showcase beautiful roads, trails, and scenic views of farms, lakes, and rivers.
A Benefit for the Community
Tour de Tonka partners with the ICA Food Shelf to give participants an opportunity to make an impact with their ride. A portion of each rider's registration fee is donated to the ICA. Riders can also donate money or non-perishable food items on or before the day of the ride. Remaining proceeds support Minnetonka Community Youth Education and Early Childhood Programs.
We look forward to welcoming all riders and volunteers to this great event on Saturday August 1, 2020. Mark your calendars – it will be a blast. See you in Minnetonka!
2019 TDT Highlight Video
Thank you and welcome to our 2020 Sponsors!