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Interested in more news on the Right to Die? FEN circulates on a regular basis an electronic news list (successor to the ERGO News List) with news from around the world.
Click here for the subscription page.
In 1976 Dr Tenrei Ota, upon formation of the Japan Euthanasia Society (now the Japan Society for Dying with Dignity), called for an international meeting of existing national right-to-die societies. Japan, Australia, the Netherlands, the United Kingdom, and the United States were all represented. This first meeting enabled those in attendance to learn from the experience of each other and to obtain a more international perspective on right to die issues.
The attendees formuklated the following, best known as the Tokyo Declaration 1976.
In recent years, we have become aware of the increasing concern to the individual over his right to die with dignity, or euthanasia. We believe in the rights and freedom of all men. This brings us of affirm this right to die with dignity, which means in peace and without suffering.
Death is unavoidable. But we believe that the manner (and time) of dying should be left to the decision of the individual, assuming such demands do not result in harm to society other than the sadness associated with death.
The Declaration of a person's wishes, or the "Living Will", should be respected by all concerned as an expression of intrinsic human rights. Therefore, at least for the present, we request that this Declaration, or the "Living Will", be made legally effective, and pursuant to this, efforts toward its legalization should be made.
Through the Tokyo International Conference on Euthanasia, or Death with Dignity, the national movements of each country can achieve international cooperation, as well as solidarity. Let us promise ourselves to strive to achieve the above objectives, through the establishment of a liaison center whose purpose will be an exchange of information, as well as the convening of periodically held international conferences.
Two years later a second international conference was hosted in San Francisco by the US-based Society for the Right to Die.
The World Federation of Right to Die Societies was founded at the third international conference. This was held in 1980 at Oxford in the United Kingdom, and was hosted by Exit, The Society for the Right to Die with Dignity. At this conference the following resolution was unanimously adopted
1. That the World Federation of Right to Die Societies be set up:
a) Co-operation and liaison between voluntary euthanasia and right to die societies
b) The dissemination, possibly by means of an international newsletter, of information and educational material about:
c) International conferences on dying and death.
2. That all voluntary euthanasia and right to die societies be invited to affiliate with the Federation.
Since its founding, the World Federation has come to include (2013) 51 right to die organisations from 28 countries around the world, and has held nineteen additional international conferences , each hosted by one of the member organisations.


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Advanced SOC Operations / CSOC , Governance & Risk Management , Incident & Breach Response
Global Card Fraud to Rise?PCI's King: Attackers Seeking Softer Targets
EMV adoption is accelerating across the United States - the biggest market historically for the magstripe card, and also the world's biggest target for payment card fraud. But as adoption of EMV and tokenization across the United States grows, there are concerns that cybercriminals may begin looking elsewhere for new targets, warns Jeremy King, international director at the PCI Security Standards Council (see Why U.S. EMV Migration Will Spur Global Fraud Shift).
"When the door closes on criminals being able to clone American magstripe-based cards, attention is going to turn to the card-not-present space," King says. "Will the criminals then still target the U.S., or will they start looking at regions that are comparatively less secure?"
King has been advising Europe and the rest of the world to be on alert during the U.S. migration to EMV, because card-not-present fraud is going to be the next big thing, he says. With the U.S. also looking at improving its encryption and tokenization practices, parts of the rest of the world could soon become fraudsters' next target, based on various regions' data security practices, King says (see Fighting Fraud Post-EMV).
"You've got to change mindsets; you've got to become aware of security and take it seriously," he says. "Because the criminals take it seriously - their sole objective is to break into an organization and steal data and monetize it.
Security and compliance can never be a one-off check box; it has to be a continuous process, he advises. And when organizations start building security into their business processes, security is no longer an inhibitor, and in fact, puts one in a better position to deal with issues ranging from adopting emerging technologies, to the rapidly changing threat and business risk landscape, he says.
King was in Mumbai as a keynote speaker at a conference organized by payment security specialists SISA InfoSec. In this exclusive audio interview with Information Security Media Group (see link below photo), King details some of Asia's unique challenges and contrasts it with the payment security landscape in the west. Among other things, he also shares specific insights on:
- Securing payment systems in the post-EMV landscape;
- The future of payments security;
- What organizations must do now to improve their payment card data security.
King leads the PCI Security Standards Council's efforts to increase global adoption and awareness of PCI security standards. His responsibilities include gathering feedback from the merchant and vendor community, coordinating research and analysis of PCI-managed standards in European markets and driving educational efforts and council membership through involvement in local and regional events. He also serves as a resource for approved scanning vendors and qualified security assessors. Before joining the council, King was the vice president of the payment system integrity group at MasterCard Worldwide.

subset: commoncrawl


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Excellent battery life
'All in all, the Incredible looks and feels like a modern, sophisticated smartphone with a lot of that masculine edge that Motorola imparted to the Droid along with the curvy smoothness the Droid Eris sports. '
Android Ice Cream Sandwich
Excellent voice quality
Fast data, compact size, snappy performance
Decent call quality
Good overall design with Military Spec toughness
Good voice quality
ReviewGist helps you find the best products to buy by making sense of online reviews.
We are currently aggregating 376,500 reviews
covering over 29,474 products.
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Designer Clothing by Jules B
Jules B is a multi-award winning independent retailer that believes in giving our customers something that little bit different.
Not only do we stock the biggest names in designer clothing including Hugo Boss, Vivienne Westwood, Barbour and Paul Smith (to name just a few), but we also pride ourselves on discovering and presenting you with truly individual products that you will not find readily on the high street - including women's fashion from the likes of Rundholz, Oska, Lurdes Bergada, Grizas and Crea Concept, and men's designer clothes and footwear from Stenstroms, Circolo 1901, Magnanni and Eton. It is this ever adapting boutique approach to business that has enabled Jules B to be as relevant now as it was at its inception back in 1984.
Don't forget to subscribe to our newsletters to take advantage of exclusive style updates featuring essential trends, fashion tips and updates about all of our designer clothing brands. Also keep up to date on all offers, promotions, discount vouchers and codes by signing up to our emails to receive exclusive offers just for you.
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Comment When the House of Commons finally published details of MP expenses online, the public may have been left wondering how much more money has been wasted on a fruitless effort to censor the details held in individual claims.
The reason that it has taken so long to publish these is the number of documents involved – over a million printed documents and receipts, according to the parliament website – and the fact that Commons officials have spent the last few months applying large black blobs to anything that might be considered remotely sensitive.
They have removed the addresses to which claims relate on grounds of privacy and security, as well as some very personal information such as mortgage and bank account numbers. Further details, such as travel patterns and suppliers of services to home addresses are also meant to have been withheld for security reasons.
The result is a series of documents that in some places are more black blob than anything else.
Critics have argued that the motive for this editing process is a self-interested cover-up: for example, by hiding home addresses, it is not possible to spot the "flipping" of main and second residences for tax purposes – as the Telegraph has revealed over the last few weeks.
More fundamentally, the end result may just be a nit-picking waste of time, demonstrating a quaintly British obsession with the letter of the law, and missing the obvious bigger issues.
For starters, it does not matter how many times some official has black blobbed an MP's address if they forget to blob even one instance of it.
This appears to be the case in respect of John Hayes, MP for South Holland & The Deepings. Officials have carefully removed all details of his second home address both from claim forms and from the supporting correspondence - apart from the single instance where the address of a flat in Westminster is clearly visible.
That - and the fact that his mortgage was with the Cheltenham and Gloucester.
Start and end dates for Vera Baird MP's credit cards are left on one form. Shahid Malik takes his printing to Impress Printers (although we are not allowed to know the invoice numbers under which he was billed). Another MP uses Skyrite Ltd. An assistant called Charlotte takes in print deliveries for Harriet Harman. So it goes on.
Everywhere, there is an almost religious expunging of partner details – presumably under the data protection principle that to do so would breach that individual's privacy. So in places it looks as though someone has taken the time and effort to blob out nothing more involving than the words "and Mrs". Although one anonymous blobber appears to have overlooked the need to remove the name of the person with whom Tony Baldry MP jointly pays Council Tax.
So much blobbing, so little point.
Why are invoice numbers and order references so secret? What is so special about Andy Burnham's bed that work in his flat could only be described as "re-building {blob} beds" and "building {long blob} bed".
Meanwhile, far larger questions remain – such as why some Members have claimed the entirety of a phone bill that appears to be logged in joint names. This is a practice not uncommon for small businesses: a home phone may be used for business purposes – but when that happens, individuals are supposed to apportion use between business and personal use: not claim the whole amount.
Access to the expenses online has been slow at the end of this week, with some parliamentary officials claiming that it has taken them longer than usual to access parts of the parliamentary website. It is likely that this simply reflects the high level of public interest in what has been one of the main national news stories for the last three weeks.
The publication shows that not only has a great deal of time and effort has been expended on holding back detail that the public now feels it has a right to know – but the job hasn't even been done well.
After all that has already passed, they may not care: they are unlikely to be impressed. ®


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For all of those joining me for the first time, welcome to the Return of the 31 Days of Monsters Halloween countdown here at Branded in the 80s! I had a blast last year, so again I'm counting down 31 of my favorite monsters from the Real Ghostbusters cartoon. All of these monsters come straight from my vintage animation cel collection, and my wife and I tried our best to put them in a not-so-scary to really-freaking-creepy kind of order with the creepiest falling on All Hallows Eve.
Dipping into yet another really cool episode, today's shade-like monster is non other than Count Von Blookenvooten, from episode 127, "My Left Fang"!
What I really dug about this episode was the Benny Hill-esque humor and chase sequences, it's what this cartoon does well when it's at its best. Basically, the guys are called to a weird down in Transylvania where for once they're not trying to capture spooks, but find some missing ones. The weird inhabitants of this village are worried because all their ghosts have been disappearing. Turns out that one of the town's ex-residents, is back from the spirit world, the vampire Count Von Blookenvooten. Along with his cross-dressing igor, and his very German manly maid, the Count is feeding on the ectoplasm of local spirits in order to regain his corporeal form. Thing is, he only needs one more ghost, and Slimer might just be that victim!
Adding to the zaniness, there's a sequence involving a support group for spooks that have lost their ectoplasmic goop! How weird!
Come back tomorrow for another Real Ghostbusters monster animation cel as I count down towards one of my favorite on Halloween day!
Also, if you feel inclined, I would love everyone to spread the word about the Return of the 31 Days of Monsters countdown, so hit up those social networks and tell a friend (my twitter handle is smurfwreck, and I'm on the Facebook as well.) If you'd like to read more Halloween-y goodness, you can also click on the Halloween Archive link to the left (the banner with King Kong), as well as heading on over to the Countdown to Halloween to check out lists of a bunch of other sites participating in this year's Halloween blogging event…


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Children songs - V
Click on a letter in the list below to view all songs for that letter. The larger the text for the song title, the more popular the song is. Found a song? Then just click on it to start singing!
Sorry, we couldn't find any songs to show here.


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03 March, 2013 | ()
Sign In to access this Webcast
When it comes to Business Process Management (BPM), growing numbers of organizations are turning to cloud computing to increase their productivity, collaboration and efficiency, as well as to reduce costs and drive value.
BPM in the cloud enables strategic process improvements, reduced technology costs, and better alignment of IT with business goals. The new IT paradigm and business model can drive new growth opportunities for the business, increase profit margins, and achieve more efficient and effective operations. BPM in the cloud has the same functionality as traditional on-site BPM deployments and provides a powerful way to accelerate process improvement initiatives.
Cloud computing business process management is the use of BPM tools that are delivered as Software-as-a- Service (SaaS) over a network. Cloud BPM business logic is deployed on an application server, while the business data resides in cloud storage. The SaaS delivery model removes the need for and cost of maintaining specialized technical skill sets in-house. The use of cloud computing reduces distractions from an enterprise's main focus, whilst enabling controlled IT budgeting and geographical mobility.
This interactive webcast will focus on cloud BPM deployment covering the interface and architecture, discuss the related reliability and security issues, and look at how cloud computing will revolutionize the way BPM is handled in the future.
Andrew Schoenmaekers
Dr. Vipin Suri
Dr. Vipin Suri is the Shared Services Expert with SGS Ltd. in China and the Managing Director of Shared Services International. As a management consultant for over 14 years, Vipin has successfully assisted a number of companies in the Asia-Pacific Region, North America, India, Europe and Australi...Full Bio


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CFO Moves this week include:
|Under Armour, Inc.
|CAM Integrated Solutions, LLC
|One Call
|Brain Corp
|Overseas Shipholding Group, Inc.
|Rich Uncles, LLC
|Electro Scientific Industries, Inc.
|Avita Medical
|Tandem Diabetes Care®, Inc.
|Keystone Pacific Property Management
|Kony, Inc.
|Connecture, Inc.
|Ohio National Financial Services
|Limoneira Company
|Northern Pacific Group
|InnerWorkings, Inc.
|Castle Biosciences, Inc
|ViON Corporation
|Callon Petroleum Company
|Natural Grocers by Vitamin Cottage, Inc.
|Aeterna Zentaris Inc.
|Ameris Bancorp
|Walter Investment Management Corp.
|PMV Pharmaceuticals, Inc
|Cutera, Inc.
Would you like to receive our weekly CFO Moves directly in your email? Click the SIGN ME UP! button on the right of the blog page.
Should you have any CFO Moves to report, please email us.
NOTE: CFO Search Report available monthly to CFOs only. Read more here.
CFO Moves is published by Samuel Dergel (Executive Search Consultant and CFO & Financial Executive Search Specialist with Dergel Executive Search). Samuel can be reached by email at firstname.lastname@example.com or by phone at +1 (415) 738-2070.
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Under Armour, Inc. [BALTIMORE] (NYSE: UA, UAA) announced that David Bergman has been named Chief Financial Officer (CFO). Bergman has served as acting CFO since February 2017. Bergman joined Under Armour in 2004 and has held several senior management roles within the company's finance and accounting organization, including Corporate Controller and most recently Senior Vice President, Corporate Finance. He began his career as a CPA at Arthur Andersen LLP. He then served in senior audit and consulting roles at Ernst & Young LLP prior to joining Under Armour.
Xactly [SAN JOSE, Calif.] has appointed Elizabeth Salomon as its new chief financial officer (CFO). Most recently, Salomon was CFO at technology and IT service management leader Cherwell Software, where she was responsible for managing finance, accounting, and facilities. She also served as CFO for data and analytics company Marshall & Swift/Boeckh, and its holding company, Decision Insight Information Group. Prior, Salomon held the CFO position at Ontario Systems, and served in senior finance positions at ChoicePoint (now LexisNexis) and Bank of America.
CAM Integrated Solutions, LLC [HOUSTON] announced the promotion of David Stroble as the new Chief Financial Officer (CFO). Prior to joining CAM, Stroble served as the Team Lead for Production, Capital and OpEx Analysts for Talisman Energy, USA's Eagleford Division. Prior to Talisman Energy, he served as Vice President at Universal Pegasus International.
SecureLink [AUSTIN, Texas] announced the addition of Chip Pate as chief financial officer. Chip most recently served as the chief financial officer of PDI Software.
One Call [JACKSONVILLE, Fla.] announced the appointment of Fred Pensotti as executive vice president and chief financial officer. Most recently Pensotti served as EVP and Chief Financial Officer for Radial, Inc. (formerly eBay Enterprise). Prior to Radial, Pensotti was the CFO for Interline Brands. He has also held various leadership roles including Treasurer, SVP Finance and Corporate Controller, and CFO of various business units at Sabre Corporation, as well as a variety of financial positions of increasing responsibility at American Airlines.
Brain Corp [San Diego, CA] announced that Dan Halvorson has joined the company's management team as executive vice president and chief financial officer. Prior to joining Brain, Halvorson held chief financial officer positions at several publicly-held companies including Novatel Wireless, Inc., DivX, Inc., OneRoof Energy, and Ingenu, as well as finance roles at Dura Pharmaceutical and Alliance Pharmaceutical. Halvorson joined DivX in 2007 and served as its Executive Vice President of Operations and Chief Financial Officer.
Overseas Shipholding Group, Inc. [TAMPA, Fla.] (NYSE: OSG) announced that Richard L. Trueblood was appointed Chief Financial Officer. Mr. Trueblood has been serving as OSG's interim CFO since July. Mr. Trueblood's experiences includes serving as a Florida CFO Group Partner, as Chief Financial Officer at Heliotrope Technologies, Inc., Advent Solar Inc., and Troon Golf LLC, and as SVP Finance at NYSE listed Promus Hotel Corporation. Mr. Trueblood was a partner at KPMG. He also served as a director for UMB Bank Arizona, N.A. for eight years.
Rich Uncles, LLC [COSTA MESA, Calif.] announced the appointment of John H. Davis as its new chief financial officer. Mr. Davis comes to Rich Uncles after more than four decades with KPMG LLP, where he had served as a partner since 1988.
Electro Scientific Industries, Inc. [PORTLAND, Ore.] (NASDAQ: ESIO) announced that Allen Muhich, former COO and CFO of ID Experts, will join as CFO and Corporate Secretary of the Company and will succeed Paul Oldham. Prior to his role at ID Experts, Mr. Muhich served as the Chief Financial Officer of Smarsh, Inc. and as the Chief Financial Officer of Radisys Corporation. He also held progressively responsible positions at Merix, and he spent 15 years in financial management and Tektronix and Xerox.
Avita Medical [VALENCIA, Calif. & PERTH, Australia & LONDON] (ASX: AVH, OTCQX: AVMXY) announced that Dale A. Sander has been appointed Avita's new Chief Financial Officer. Current CFO, Tim Rooney, has been appointed Avita's Chief Administrative Officer.
Tandem Diabetes Care, Inc. [SAN DIEGO] (NASDAQ: TNDM) announced the retirement of its executive vice president and chief financial officer (CFO), John Cajigas. He will be replaced by Leigh Vosseller, who is currently serving at Tandem's senior vice president of finance, will be promoted to CFO. Ms. Vosseller joined Tandem in September 2013 as vice president of finance. Prior to that time, she served as vice president and CFO at Genoptix, Inc. beginning in 2011, after initially joining the company in 2008. Prior to that she held a senior finance position at Biosite Incorporated.
Keystone Pacific Property Management [IRVINE, CALIF.] announced that Jared Jones has been chosen to take on the role of Chief Financial Officer for Keystone Pacific Property Management. Jones steps into the role with over 10 years of experience as a Chief Financial Officer, most recently for a leading luxury hotel brand headquartered in Southern California.
Kony, Inc. [AUSTIN, Texas] announced the appointment of Kathy Crusco as executive vice president and chief financial officer. Prior to joining Kony, Crusco served as the chief operating officer and chief financial officer at Epicor Software Corp. Kathy currently serves as a director on the Calix, Inc. and Mitchell International board of directors.
Connecture, Inc. [BROOKFIELD, Wis.] (OTCQX: CNXR) announced that Brian Lindstrom will join their team as Chief Financial Officer (CFO). This is part of a planned transition of Vince Estrada, who will be taking a new role within Connecture as EVP of Corporate Development. Brian joins Connecture from Datica Health, where he served as Chief Operating Officer. Prior to this, he held roles as Chief Financial Officer and Controller at Influence Health and Epic Systems.
Selligent [REDWOOD CITY, CA and BRUSSELS, BELGIUM] announced the appointment of Kevin Thompson as Chief Financial Officer. Kevin Thompson comes to Selligent with experience as a CFO for several successful Silicon Valley SaaS companies. Most recently, Thompson was CFO at Maravai Life Sciences. Previously, Thompson was CFO at Elastica (acquired by Blue Coat), HEAT Software and Vitria Technology.
AbacusNext [SAN DIEGO] announced it has appointed Mike Skelly as Chief Financial Officer. He replaces Major Horton, who has served as AbacusNext CFO for the past two years, and will remain with the company in a strategic support role. Prior to joining AbacusNext, Skelly served as Chief Financial Officer at Trio Health. Prior to his time at Trio Health, Skelly was Chief Financial Officer at UpWind Solutions, backed by KPCB, BP Ventures and Mission Point. Before Upwind Solutions, Skelly served as SVP of Finance at The Active Network.
Ohio National Financial Services [CINCINNATI] announced Anthony W. Dunn will become chief financial officer. Dunn succeeds Arthur J. Roberts, who will retire at the end of the year. Dunn joined Ohio National in 2015 as vice president, audit services, and in 2016, was promoted to senior vice president, audit services. Prior to joining Ohio National, Dunn was vice president, financial planning and analysis for The Cincinnati Insurance Company and its subsidiaries.
Limoneira Company [SANTA PAULA, Calif.] (NASDAQ: LMNR) announced that it will name Mark Palamountain as its new Chief Financial Officer, Treasurer and Corporate Secretary. Mr. Palamountain will replace Limoneira's Chief Financial Officer, Joe Rumley, who announced his decision to pursue other opportunities after serving in this role since 2010. Mr. Palamountain most recently served as Limoneira's Senior Director of Agriculture Operations and has been with the Company since 2012. Prior to joining Limoneira, Mr. Palamountain was CEO and Founder of Perpetual Power LLC. From 2003 to 2008, he served as a Managing Director, Head of Nasdaq trading for Broadpoint Securities. Between 2001 and 2003, Mr. Palamountain was Principal at Thomas Weisel Partners and from 1997 to 2001, he was a trader at JPMorgan Chase.
Northern Pacific Group [WAYZATA, Minn.] announced the promotion of Corey M. Campbell to Chief Financial Officer. Prior to joining Northern Pacific Group, Corey worked for the Valspar Corporation and Lurie LLP.
InnerWorkings, Inc. [CHICAGO] (NASDAQ: INWK) announced that Charles "Chip" Hodgkins, Senior Vice President, Corporate Development and Strategic Initiatives, has been appointed Interim Chief Financial Officer. Mr. Hodgkins' appointment to the role follows the departure of former Chief Financial Officer Jeffrey P. Pritchett, who resigned from the Company. Since assuming his current role with InnerWorkings in 2014, Mr. Hodgkins has taken on increasing responsibilities in finance and operations. Previously, Mr. Hodgkins led the Company's global mergers and acquisitions efforts from 2007 to 2013. Before joining InnerWorkings, Mr. Hodgkins worked in investment banking and venture capital.
Castle Biosciences, Inc. [FRIENDSWOOD, Texas] announced the appointment of Frank Stokes as Chief Financial Officer (CFO). Mr. Stokes most recently served as CFO of Hammock Pharmaceuticals. Prior to Hammock, Mr. Stokes served as a Senior Investment Banker at Leerink Partners, Robert W. Baird, and Wachovia Securities.
ViON Corporation [HERNDON, Va.] announced the appointment of Neill Blue as the company's Chief Financial Officer. Prior to joining ViON, Mr. Blue served as a consulting CFO and COO for Capitol Power Group. Mr. Blue also led the Mission Critical Services Division of Schneider Electric. Prior to that, he was CFO & COO of Lee Technologies.
Callon Petroleum Company [NATCHEZ, Miss.] (NYSE: CPE) announced that James "Jim" Ulm, II has been named Senior Vice President and Chief Financial Officer. Mr. Ulm's most recent position has been as founder and managing partner of New Vista Energy Partners. Previously, he served as CFO for three private companies, including with Fieldwood Energy, LLC. Prior to these roles, Mr. Ulm served for almost ten years as the CFO for Pogo Producing Company. Earlier in his career, he held finance and accounting leadership roles with Newfield Exploration Company and American Exploration Company.
Natural Grocers by Vitamin Cottage, Inc. [LAKEWOOD, Colo.] (NYSE: NGVC) announced the appointment of Todd Dissinger as Chief Financial Officer. Mr. Dissinger will assume the CFO role from Sandra Buffa, who, as previously announced, will retire. Mr. Dissinger has served as Vice President, Treasurer of Vitamin Cottage Natural Food Markets, Inc., Natural Grocers' operating subsidiary, since August 2015. From 1997 to August 2015, Mr. Dissinger served as Senior Vice President – Treasurer, Risk Management and Credit at The Bon-Ton Stores, Inc. Prior to 1997, Mr. Dissinger had an extensive career in banking, including serving as Vice President – Senior Relationship Manager with PNC Bank.
Aeterna Zentaris Inc. [CHARLESTON, S.C.] (NASDAQ: AEZS) (TSX: AEZS) announced the departure of the Company's Interim Chief Financial Officer, Jeffrey Whitnell.
Ameris Bancorp [MOULTRIE, Ga.] (NASDAQ: ABCB) announced that Nicole S. Stokes has been promoted to Executive Vice President and Chief Financial Officer of the Company and Ameris Bank. Ms. Stokes joined the Company in December 2010 as Controller and was previously promoted to Senior Vice President and Chief Financial Officer of Ameris Bank in June 2016.
Walter Investment Management Corp. [FORT WASHINGTON, Pa.] (NYSE: WAC.BC) announced that Jerry Lombardo has agreed to join the Company to succeed Gary Tillett as Chief Financial Officer. Jerry Lombardo most recently served as a Managing Director & Treasurer of the Consumer and Community Bank at JP Morgan Chase & Co. Before joining JP Morgan Chase & Co. in 2013, he held a number of senior finance roles including the Global Head of Funding & Liquidity for Ally, Finance Executive at Cerberus Capital Management, Senior Managing Director at FTI Consulting and Chief Financial Officer of Refco.
PMV Pharmaceuticals, Inc. [CRANBURY, N.J.] announced the appointment of Winston Kung as Chief Operating Officer and Chief Financial Officer. Prior to joining PMV Pharma, Mr. Kung was Vice President of Business Development and Global Alliances at Celgene, and previously held the position of Chief Business Officer at Celgene Cellular Therapeutics. Prior to joining Celgene, Mr. Kung held senior positions at Citigroup's Global Healthcare Investment Banking group and at Lehman Brothers' Global Mergers and Acquisition group.
Cutera, Inc. [BRISBANE, Calif.] (NASDAQ: CUTR) announced the appointment of Sandra A. Gardiner to the position of Executive Vice-President and Chief Financial Officer ("CFO"). Ms. Gardiner has been serving in this role on a consulting basis since July 12, 2017. Immediately prior to joining Cutera, Ms. Gardiner served as Vice President, Finance and Chief Financial Officer with Tria Beauty, Inc. Ms. Gardiner joined Tria Beauty in April 2015, until its acquisition in April 2017. In addition to Tria Beauty, Ms. Gardiner has been Chief Financial Officer of two publically traded entities, Vermillion and Lipid Sciences, as well as three privately held companies, Asante Solutions, Aptus Endosystems and Ventus Medical. Ms. Gardiner began her career with Advanced Cardiovascular Systems.


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Fond du Lac man learns hard way about ice dangers this winter
Unusually warm temperatures make the ice thin on area lakes, and one Fond du Lac man learned that the hard way.
Friday night seemed like a good night for a snowmobile ride on Lake Winnebago.
But too late into his ride Kelly Milam noticed the ice was too thin, and he fell in.
"First thing that came into my head was, 'Go into the water. Take my helmet off. Use it for a floater,'" Milam said,
That worked for a short while, but every time he pulled himself onto the ice, it would break.
"You thought you were going to die?" WISN 12 News reporter Abe Lubetkin asked.
"I thought I was going to die. That's the feeling I had going through me," Milam said.
Six hundred feet from shore he started to yell.
"And I kept yelling, and I kept yelling, and finally someone heard me, and I just want to tell them I love them and thank them for saving me," Milam said.
Some people out for a walk heard Milam screaming and called 911.
That's when the Fond du Lac Fire Department dive team sprang to the rescue.
On Tuesday, in the same spot where they saved Milam, those same first responders demonstrated how they made their way into the water, cutting their way through the ice.
"Ice is never safe. It's always unpredictable," Fond du Lac firefighter Jake Vodes said.
"The victim physically wasn't able to reach toward us, so we had to grab him as we broke the last section of ice," Fond du Lac firefighter Lt. Rick Gerrison said.
They said this winter the ice out there is especially dangerous with the weird weather we've had.
In spite of that, though, on the very same lake where someone fell in just days ago, Lubetkin saw people out there ice fishing Tuesday.
Milam said it will be a while before he goes back on Lake Winnebago.


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Skip to 0 minutes and 1 second We've introduced the different parts of the IELTS test, and we've given you a taste of the listening and reading parts of the test. Next week, we're going to concentrate on the speaking paper. To help you prepare for that, you're going to watch an example of part of the speaking test. You'll see that video in the next step of the course. Before you watch it, though, let's talk about how the speaking test is marked. In your speaking test, the examiner will be marking you on four things– fluency and coherence, lexical resource, grammatical range and accuracy, and pronunciation. In each of those areas, you'll get a Band Score from 1– the lowest– to 9– the highest.
Skip to 0 minutes and 46 seconds The average of those four scores will be your final Band Score for the speaking paper.
Marking the Speaking test
Listen to Rob talking about how the Speaking test is marked.
Fluency and coherence:
This describes how fluent and connected your English sounds. Do you speak without much hesitation and do you use a range of different ways to connect your ideas?
Lexical resource:
This describes how wide your vocabulary is. Can you talk accurately about any topic and use idiomatic language?
Grammatical range and accuracy:
This describes both the range of different grammatical structures you can use and how well you use them.
Can you be easily understood at all times?
Tell us in the comments below which of these four marking criteria would cause most difficulty for you.
© British Council


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Anona Wednesday AfternoonBack to Meetings
Meeting Information
Wednesday, to 2:00 pm
- Closed
- Discussion
- Smoking Permitted
- Wheelchair Access
This meeting is closed; only those who have a desire to stop drinking may attend.
Anona Center West meetings have a designated smoking room separate from the main room.
- Updated September 28, 2016
Anona Center West
27 other meetings at this location
129 Fremont St
West Chicago, IL 60185


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9620L vs. 9620 - The 9620L is a low power consumption model (Class 1 PoE device). It has the same functionality as the original 9620 but does not have a USB port or adapter interface for adjuncts. It does not support SIP protocol.
Avaya IP Office 9600 IP Telephone Users Guide.pdf
Avaya 9620 IP Telephone.pdf
Avaya 9630 IP Telephone End User Guide.pdf
Avaya 9650 IP Telephone End User_Guide.pdf


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Is Google replacing Title Tags on the main Google results page with Business names?
I have a local client, Napoleon Engineering Services, that markets their custom bearing services nationally and into Canada. In the industry they often go by their "nickname" NES and are known as a high quality testing, inspection and manufacturing facility for custom bearings.
I am not sure if Google is experimenting or not but on a recent trade name search for Napoleon Engineering, to retrieve my client's phone number I noticed that Google had completely replaced the web page title tag with their business name from the Maps index.
Here is what Google showed in the result:
Google's cache shows the currernt tag: NES – Custom Bearing Testing & Bearing Inspection- home – ball bearing testing
How wide spread is this? Is it just an experiment?Is Google Overriding Title Tags with Business Name? by Mike Blumenthal


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It is your responsibility to reserve your own accommodations.
BNL does not provide shuttle service to and from area hotels. Since there is no public transportation to BNL, attendees are strongly advised to make car rental arrangements prior to arrival.
The following hotels are the closest to Brookhaven National Laboratory in distance (approx. 15-45 minutes in driving time). Please note, a major credit card will be necessary to hold your reservations until you check in. Brookhaven National Laboratory is located on William Floyd Parkway, County Road 46, 1 1/2 miles north of Exit 68 of the Long Island Expressway; hotel locations are given by exit number. Exit numbers below 68 are west of BNL; exit numbers above 68 are east of BNL. Please note, it is your responsibility to call the local hotels directly and make your own reservation.
Note: Inclusion in this list does not imply an endorsement by Brookhaven National Laboratory or Brookhaven Science Associates.
Long Island (major roads only): GIF | PDF
Additional Accommodation Listings
Last Modified: November 8, 2010


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Before she retired, my Mom used to be a nurse. She typically would always keep around a few current medical books describing diseases and other books listing prescription drugs and their uses. While these sorts of books can make for rather dry reading, they can also be extremely interesting to thumb through from time to time. They can be particularly useful if you need to look something up.
The need to have printed reference books such as these has been rapidly fading over the past few years. A useful and interesting smartphone app to have installed on your Android phone is called "iTriage." It contains an extensive list of medical symptoms, diseases, and treatments along with the ability to help find medical treatments and practitioners.
The iTriage app contains an extensive list of diseases and their related symptoms and treatment. Coming at it from the other direction, iTriage also contains an extensive list of symptoms and causes.
Mom may find herself wanting a smartphone.


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Job Search
Job Alerts
Follow us on Facebook, Twitter or Linked In
Alternatively browse our RSS Job Feeds
Trade & Tech - Artisans: Millwrights, Electricians, Fitters Jobs
Shift Production Supervisor for FMCG
|Job Information
|Recruitment Agency / Vacancy in Gauteng
|R32k – R28k
|Job Type
|Relevant Tertiary Education
|2 - 5 years relevant working experience
Job Description
A Shift Production Supervisor is needed to fill a position in a large Food Manufacturing company. Minimum requirements include: Grade 12; Relevant tertiary degree; 5 years food production experience; Experience of leading production teams and leadership/management training would be an advantage.
Functional requirements include: Flexibility; Ability to pick up and move 30kg; Ability to work in a cold environment, in a working position on the lines. Outstanding organizational skills; Ability to work shifts, including night shift and weekend shift; Good interpersonal skills and the ability to handle multiple tasks and meet deadlines.
Candidates without the above required qualifications will unfortunately not be considered for the position. Please ensure that the trade test is attached to the CV.
Should you meet the requirements for this position, please email your CV to firstname.lastname@example.com or fax to 086 718 2245. You can also contact Benita on 011 234 6868/9.
Correspondence will only be conducted with short listed candidates. Should you not hear from us within 3 days, please consider your application unsuccessful.
or email us: manufacturing.jobs(at)staffingprojects.co.za


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Video Interview With Jennifer Aniston on Dating, Dream Costars, Girls' Night Out, and Just Go With It
I'm a Huge Fan Jennifer Aniston: The Big Interview on Rumors, Dating, Girls' Nights Out, and Dream Costars!
It's time to watch our winner Jen's big Jennifer Aniston moment! We loved seeing part one and two of Jen's journey to meet Jennifer, and there's just one more stop before the Just Go With It junket. Jen had to get the perfect makeover to meet Jennifer Aniston, and the experts at Neil George Salon were just the ticket. Once she was glammed up, had her sexy dress and shoes from Barneys, had all her PopSugar host training in mind, and was looking gorgeous, Jen headed over to interview Jennifer Aniston! The superstar actress was incredibly sweet and warm and so complimentary to our winner. Jennifer revealed the funniest rumors she's ever heard about herself, her dream costars — hint, one of them is Johnny Depp! — and what she likes to do on her girls' nights out! Check out the final installment of I'm a Huge Fan!


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The Right Coach to Win at Wealth
Millions of people are actively seeking a path to wealth. And judging by the number of books and programs now available, there seem to be a million wealth experts out there. So how can you know which expert and program will work?
That's simple. Avoid get-rich-quick schemes, and vie instead for a longer-term relationship with a mentor or a coach. And if you can, find a program filled with coaches who have become successful using the program they teach. Find a program where these coaches are available to guide you to your own undeniable success – a program like Omar Periu's Wealth Coaching System.
A lucky few each year get the opportunity to work with Omar himself. But working with one of Omar's personally-selected wealth coaches is the next best option, and one that has proven successful for hundreds of people just like you.
In Omar's Wealth Coaching System, you'll learn and work with a coach that knows Omar's proven path to wealth, and can guide you along your way. Your personal wealth coach will help you identify your individual strengths, knowledge and passions, and help you put those into the strong steady action that will help you realize your own wealth.
What Omar Periu realized is that wealth is obtainable and well-within the reach of almost any American.
Omar has taught a select group of coaches exactly how they could become rich. Now its time for them to show you the way.
If you want your next meeting or convention to be a guaranteed success and leave a lasting impression on your audience… Contact Omar Periu International at 470.777.2074 or firstname.lastname@example.com


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Keith Harding
Keith Harding moved back to Massachusetts after active duty and started his little jewelry business by doing jewelry repairs for jewelry stores and continuing his study of gems, earning a fellowship with the Gemmological Association of Great Britain. Eventually, he began designing and creating his own jewelry. Finding that it was difficult to purchase high quality gems at reasonable prices in the American market, he began traveling to foreign sources and buying his gems directly in the mining and cutting localities to get the finest gems for his jewelry.
Over the years Keith Harding jewelry has gained a reputation for high quality of gems and diamonds, as well as the comfort and durability of the distinctive designs. Today, Harding's jewelry is available in departments at four fine jewelry stores in New England.
He appreciates the confidence that his customers have in his jewelry and he continues to enjoy creating new designs with beautiful gems.
Stop by the store to see our full collection.


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Hey guys. I'm back recapping another episode, and thanks as usual for checking it out.
I appreciate all of your responses. As episode No. 9 begins, you see Georges St-Pierre talking to us about changing our approach to training for these next bouts. One of the greatest benefits of the show is the great training you receive, but we didn't mind dialing it down a little bit.
It's a weird dynamic having to fight so frequently in such a short time. I think Georges understood that and really took it into account. Less-experienced coaches might not have taken such an intelligent approach.
Georges explained to us his concept of training, which was like a pyramid. As you progress from the base of the pyramid to the point, it outlines your approach as you get closer to your fight. When you begin your training camp, the foundation consists primarily of the physical aspects. You are getting in shape and working on your baseline conditioning.
In the middle section of the pyramid, it starts to narrow, and you focus on the technical side of things. You are still getting in peak shape, but your conditioning will come more from technical drilling and sparring.
Once you get to the point of the pyramid, you should be close to fight time, and that's the tactical stage. The conditioning should already be there. You're so close to the fight that you're not going to get in any better shape, and you don't want to focus on just random techniques. In the tactical stage, you should be working specific techniques that are targeted toward your opponent and coincide with you game plan. For example, if you're fighting a wrestler and your goal is to sprawl and brawl, you should drill techniques that are specifically geared toward that opponent, such as striking combos and takedown defense.
To reiterate, Georges explained that as your training camp progresses toward the fight, you should work through the physical, technical and tactical stages. Obviously with the dynamic of the show, we couldn't do a true training camp and fully utilize this exact plan. We were only a couple days out from the quarterfinals, so we were already in the tactical phase. We weren't really going to get in any better shape at that point, so it was time to focus on the specific techniques associated with our game plans. We also revisited our visualization techniques that I discussed in a previous blog.
Team Koscheck's Sako Chivitchian vs. Team GSP's Jonathan Brookins
As Team Koscheck was prepping for Sako Chivitchian's fight with Jonathan Brookins, you could really see the respect they had for Brookins. He seemed to be emerging as one of the favorites at this point.
Training with Jonathan every day, our team knew how tough he was. However, I don't think he got as much respect from Team Koscheck until after he quickly dismantled their No. 2 pick, Sevak Magakian. Basically, Jonathan's first two fights went the same way. He got the takedown at will and worked his way to back control. I think Sako saw this matchup as an opportunity to avenge his friend and teammate, Sevak. But at the same time, he and the rest of Team Koscheck understood how dangerous Jonathan was as an opponent.
As for Jonathan, he remained very humble, and I think that's a great attitude to have. When it's all said and done, he understood that we were still in the beginning stages, and there is still a long way to go and a lot to prove. We were merely on a reality show and not technically in the UFC yet, so Jonathan wasn't losing sight of what needed to be done.
There were some guys in the house who had the attitude that they were superstars already. Jonathan, however, stayed humble and worked hard every practice. It goes back to one of the things Mike Tyson said when he came over earlier in the filming, and it was something we all agreed with. He related MMA to boxing and said in both sports that if you're not humble, the sport will bring humbleness to you. You can run your mouth all you want, but at the end of the day, there is always someone who can and will bring you down a peg. If you're humble and you understand your strengths and shortcomings, but still go out there and do your best, I think most people will respect you.
As for the fight itself, it was impressive to see Jonathan hit that lateral throw again. He used that several times in training, and it seemed to be one of his go-to moves. What makes Jonathan dangerous is that he is both technical and very athletic. It's funny because I was in the locker room when Jonathan fought because our bouts were the same day and I was warming up. When his fight was over, the team came back into the locker room, and they were like, "Brookins beat Sako the exact same way he beat Sevak!" I was disappointed I didn't get to see it, but they said, "Don't worry. You already saw it. It was literally the exact same fight."
I didn't actually see the fight until this episode aired, and it was pretty much identical. He hit the lateral, got the position he wanted, waited for Sako to stand up, and then took his took his back. Game over.
Team Koscheck's Nam Phan vs. Team GSP's Cody McKenzie
In the same way that Team Koscheck gained a healthy amount of respect for Jonathan, we also had a lot of respect for Nam Phan. This past week, someone asked me in the comments section who I felt were the favorites in the show at that point, and I said Jonathan and Nam. If I could make it to the end, they were the ones I would have wanted to fight last. That said, Cody McKenzie is still really scrappy too.
From a technical standpoint, Georges was right. Nam had Cody beat in most areas. However, there's something to be said about people who bring a certain level of tenacity to the cage and just like to get in there and get dirty. Cody is one of those guys. In his fight with Nam, he eventually got tired, but he still was bringing it until the end.
Despite the loss, I think our coaches put together a solid game plan. Cody doesn't have a typical athlete's body, but from training with him, I can tell you he was surprisingly strong in the clinch.
Also, even though Cody was dangerous off his back, Nam's not necessarily a guy you want above you dropping strikes, so we wanted Cody to end up on top. I think his goal was to pin Nam against the cage, neutralize his ability to strike, and then take him down. The downside of that plan was that Cody's not an amazing wrestler. I think his continual struggle for the takedown is what wore him out.
The first round was very competitive, but Cody got away from the game plan in round two. I think it was probably more fatigue than anything. Oftentimes fatigue causes fighters to abandon their game plans. The brain doesn't receive enough oxygen, and therefore, you can't think clearly. You end up going with what feels comfortable, and I think Cody feels most comfortable brawling until he has the chance to wrap up the neck. After fatiguing, he seemed to be in survival mode, and Nam continued to move forward with increasing pressure.
He started to land strikes on Cody more cleanly and frequently. As for the finish, it was strange because Cody had just been saying a day or two before that he is really susceptible to liver shots. Assistant coach John Danaher was asking us how we saw our opponents being able to beat us. Cody said ankle locks and liver shots were his weaknesses, and then Nam laid one on him perfectly. It was quite the coincidence.
Fortunately, I've never been crumpled by a good liver shot, so I don't know exactly how that feels. I have had the wind knocked out of me several times in practice, but I cannot say if that's a similar feeling or not. The people I've talked to who have been hit with a liver shot say it feels as if your body completely shuts down.
Team Koscheck's celebration
During Cody and Nam's bout, I was in the back warming up Michael Johnson. He wanted to go out and see the end of the fight, so I was able to catch the last half of the second round. At this point, Cody was taking a lot of punishment on the feet before Nam's liver shot found it's mark. It was definitely hard to watch, and we felt the disappointment that you could see on Cody's face.
I kept my focus on Cody, to see if he was alright, but I didn't really pay attention to Josh Koscheck at that point. Of course, when you watch the episode, it's pretty pathetic how he was trying to get a reaction out of Cody or Georges so he could celebrate in their face.
I think at some point it became personal due to Josh and Cody's back-and-forth antics. In fact, I had heard Josh say a couple of times to Cody, "I can't wait to see you get your ass kicked." I think that's pretty irresponsible as a coach.
My quarterfinal match is on next week's episode, so tune in. At that point, I was just excited to fight again. I was still incorporating the visualization and walk-through techniques that we were doing for our previous fights.
Also, Dane Sayers helped me lot, allowing me to continually work through my fight strategy. I had developed a very sound game plan that I hoped would work against Aaron Wilkinson, and I was feeling very confident. I liked Aaron, and it was a shame that we were going to have to fight, but that matchup made the most sense.
We were both in contention for the title of "Whitest Guy in the House," and there could be only one!
Thanks again to everyone for checking out my blog. I look forward to next week, recapping another episode and interacting with everyone. Until then, check out my official website at WatsonBJJ.com, or follow me on my official Facebook page. Also, check out my partners at AmericanFighter.com and WeightTraining4MMA.com, who were kind enough to sponsor my blog this season.
"The Ultimate Fighter 12" cast member Kyle Watson (15-6-1) blogs
each Thursday exclusively for MMAjunkie.com. The H.I.T. Squad fighter and Brazilian jiu-jitsu instructor takes
readers behind the scenes of Spike TV's popular reality series,
which airs Wednesdays at 10 p.m. ET/PT.


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Facebook announced this past Wednesday that they were testing a new feature in the U.S. called 'Promoted Posts". Apparently, they have been running this test in New Zealand since May. Below, is a quote from their announcement:
Every day, news feed delivers your posts to your friends. Sometimes a particular friend might not notice your post, especially if a lot of their friends have been posting recently and your story isn't near the top of their feed.
That being said, what Facebook is proposing with these "promoted posts" is to allow you to pay a dollar amount to have your posts get noticed by more of your friends. Below, you can see an example of a promoted post on Facebook's newsroom article. In this instance, a couple wanted to make sure everyone knew about their recent engagement. By clicking the "promote" button, they were given the option to pay a little extra to reach a wider audience of friends. When you do this, your Facebook post will have the words "sponsored" at the bottom of it. You also have the ability to check how much extra reach the paid ad is giving you as opposed to just regular newsfeed views.
Pictured below, you can see the options that are available to you when you hit the promote button. Notice the price. For $7 you can make sure your friends know about that big party you're having, or big charity fundraiser. So I have to ask the question, "How much are you willing to pay to get your friend's attention on Facebook?"
Has Facebook Jumped the Shark?
For those of you who may not be familiar with the term "jumping the shark", it stems from an episode of the American hit TV show Happy Days, where the show's main character, the Fonz, jumped over a confined shark tank on water skis. Since that time the term has been used in the entertainment industry to note the point where a TV series uses a gimmick that blatantly shows desperation and an almost certain soon-to-be demise for that show. Ever since Facebook went public, it seems like they have used every gimmick in the book to try to force revenue out of its users. In my humble opinion, things like this come across as acts of desperation and I believe are really unnecessary for Facebook to do.
I will not go so far as to say that Facebook has jumped the shark. One reason I say this is because of their recent announcement that they have reached the 1 billion monthly active user base. However, I will say that Facebook needs to get out of desperation mode and reach out for some better leadership at the top. One of the things I hate about companies that go public is that they so often they forget who got them where they are and who will take them where they want to go. There is no doubt in my mind that this newest offering will generate some money for Facebook, but seriously, isn't $7 a little steep for a personal post? I personally loved a statement one of my friends posted about this new feature, which I believe says it all: (I will keep him anonymous to protect his identity)
Great feature. Thrilled to pay money to tell people what I had for lunch (bologna sandwich). [dripping with sarcasm] :)
I believe that statement not only drips with sarcasm, it drips with a lot of truth. Facebook better learn to listen to its user base. Business 101 says come up with a product that people want at a price the market can bear. $7 is an awful high price for something that used to work for free!
Know Your Users
Mr. Zuckerberg, you came up with a fantastic idea and history says it was almost an accident of being in the right place at the right time with the right idea. People really do want to connect. Personally, I believe that I am a product of every encounter with every friend, family member, and acquaintance I have ever known. That is why I have so many "friends" on Facebook. Not that I am extremely close to every one of them, but they have all left some mark on the pages of my life's book. For me, Facebook is all about people. So I make this plea to the decision makers at Facebook, get to know your people. Make an attempt to connect with this giant user base you have at your disposal and figure out a way to make some money without marginalizing them. Consider the Timeline fiasco. Personally, I like the Timeline feature of Facebook, but the way Facebook implemented this new feature was asinine. To this day, I still hear people complaining about the Timeline feature. Why? I believe it was because they felt slighted. Here they had to relearn how to use this chronological mess where everything looked different and not to forget the privacy issues that were exposed by the little live feed on the right side of the screen. In a business that was created on connecting people, Facebook seems completely incapable or unwilling to do the same.


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Many RIA firms dread SEC audits, particularly unscheduled ones.
But there's a new auditor in town who may be looking over your shoulder unbeknownst to you—whether you're an RIA or wirehouse advisor, and his recommendations could prompt the departure of $20 million from your book of business in a day's work.
Meet Phil Fragasso, founder of Audit Your Financial Advisor, a new service targeted to individual investors who may harbor doubts about their advisor's investment strategy, portfolio performance or fees.
The former advisor and veteran financial services industry marketing executive came up with the unusual line of work—now his main occupation in addition to courses he teaches at Boston College—when he was the principal of RIA firm I-Pension and some of his high-net-worth clients asked him to review their portfolios held at other firms.
The client had $300,000—a small portion of his over $20 million portfolio with the other firm—set aside to pay taxes and the advisor put that portion of ostensibly safe money into a highly volatile currency fund and lost it all.
The investment decision was so egregious, Fragasso said in an interview with ThinkAdvisor, that the firm—a national independent broker-dealer—agreed to pay the client the entire loss.
Another client who had over $20 million with a swanky national wealth management firm hired Fragasso and his I-Pension partner to help him understand how the other firm was investing his money.
The two advisors went to meet their client's other advisors at the high-end firm.
"It was all doublespeak," he recalls. "They used propriety funds and structured notes. It was hard to understand what the returns were or [precisely determine] its liquidity. We checked the performance and it was terrible."
The private wealth office "didn't like us being at the meetings," asking them pointed questions, Fragasso says.
But what especially galled him was that the advisor "didn't seem too interested in the account. I was shocked by the lack of concern for the client. It was almost like the account was grandfathered to him. Maybe for him $20 million was a small account."
The client ended up leaving the highfalutin firm, giving Fragasso's firm $2 million to manage (I-Pension's client accounts ranged from $100,000 to $2 million, he says), and divided the rest among two RIA firms.
But those two experiences and many more Fragasso has had with friends and family members for whom he has performed similar services for free left him feeling there was a need for a formal business dedicated to auditing advisors.
That is because the investors he has dealt with were typically clueless about their investments, often despite the fact that they were highly educated and intelligent people.
Both clients with the $20 million accounts, for example, were doctors. And among the many other investors he has helped he has found that their answer to the question, "What are you invested in?" is something like "Fidelity," "Vanguard" or "American Funds."
No one says "a large-cap fund, a real estate fund and commodities," he says.
Clients are similarly clueless about what fees they're paying and do not describe their advisors in meaningful professional terms, but instead say things like "he's a nice guy."
"One guy came to us and said the advisor is 'my friend.' I said 'No he's not, you have B shares,'" referring to a broker-sold share class that feature higher investor fees over the long-term.
"What we've seen across the board," Fragasso sums the matter, "is terrible asset allocation strategy, egregious fees, and no effort to educate the client."
The former RIA, who no longer manages money himself, insists that he is not anti-advisor.
Though he co-authored a book (Your Nest Egg Game Plan) with Craig Israelsen geared to do-it-yourself investors, he understands that many investors want the involvement of a professional.
"I'd tell my clients, 'You don't need to pay me, just read the book,' but a lot of them want hand holding," he says.
That includes his wife. While Fragasso manages the family's investments, he already has an LPL advisor lined up to assist his family as part of his will.
"I have no problem with advisors as long as they put the client first," he says.
But too often that seems not to be the case. He cites the example of a 71-year-old widow about half of whose money is in an IRA managed by an advisor she says is "a nice guy."
The $173,000 account is half invested in equities, but spread out over 21 different individual stocks, meaning positions are quite small. The widow did not know whether she was paying commissions to buy and sell the securities, and in any case there were no small or medium-sized firms among the lot, so she'd have been better off with an S&P 500 index fund or well diversified large-cap, Fragasso says. What's more, over the past 10 years when the S&P 500 generated an average annual 7.8% return, the widow's IRA returned just 3% a year. The 3% difference represented a loss of $5,000 a year, or $50,000 over 10 years, the widow could never recover, he adds.
Fragasso boils down his review and recommendations to something like two pages, saying the large tomes advisors produce are a big part of the obfuscation that confuses investors.
"People would come in with reports 50-pages long with 20-year projections. You can't project 20 years out that you're going to get 8% returns on the S&P," he says.
"I help clients understand enough of the basics so they can manage their money on their own, or if they want to work with an advisor," he says, adding that "I know a lot of reps who really do put their clients first, so I am not trying to move people away from their advisor. I will not recommend another advisor. I'll just say, 'these are the kinds of questions you should ask.'"
He charges 10 basis points, so $100 on a $100,000 portfolio and $500 on a $500,000 portfolio, with a mutually agreed smaller fee on accounts of $1 million or more. His goal is build up the business and then train others to do the evaluations, saying at this stage of his career he just wants "to give back."
Fragasso, who mainly served in financial services marketing positions prior to becoming an advisor, traces his impulse to audit advisors in part to the marketing ploys he was tasked with employing to draw investors to poor performing products.
"I worked for a number of years for firms whose funds I would not recommend to family and friends," he recalls.
"A lot of products were very expensive and not just underperformed but greatly underperformed," he says. "They were all commissioned products; it was hard for me to work for companies whose products I never owned."
While Fragasso wants to look over your shoulder, advisors with a will to do what's right and address potential problems probably have little to fear.
"Most people don't want to change advisors [even when you] show them horrible stuff," he says.
"I'm not trying to get people to change their advisor. I just want to make sure that either on their own or with their advisor they're going to reap the maximum reward with the money they've worked so hard to save," he says.
– Related on ThinkAdvisor: Most Advisors Don't Know Their Own Fees


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Four Syrians have been arrested in Germany on suspicion of attempted murder and arson for their alleged roles in a Molotov cocktail attack on a mosque frequented by Turkish Muslims. Source: The Local
GEFIRA provides in-depth and comprehensive analysis of and valuable insight into current events that investors, financial planners and politicians need to know to anticipate the world of tomorrow; it is intended for professional and non-professional readers.
Yearly subscription: 10 issues for €225/$250
Renewal: €160/$175
The Gefira bulletin is available in ENGLISH, GERMAN and SPANISH.
Greek battleships have encircled Kastellorizo, the island at the centre of a territorial dispute with Turkey, and several uninhabited islets to shield Greek territory against Turkish attempts to survey for hydrocarbons, according to Greek media. Source Ahval
Interior Minister Gérald Darmanin announced that he had asked the prefect to take legal action. Jérémie Bréaud the LR mayor of Bron, a town in the metropolis of Lyon (Rhône), is targeted by death threats. "We're going to behead you , " was tagged in Chassieu, a neighboring town, with the identity of the chosen one. "Fuck la mumu" , we can also read, in reference to the municipal police. The whole thing is accompanied by insults. Source Actu17
A man was arrested with a drone and two blocks of explosives but also detonators, near Nancy (Meurthe-et-Moselle), during a customs check. He now sleeps in prison. What intentions did this man have? Aged 22, this inhabitant of the metropolitan area of Montpellier (Hérault) was arrested on October 7 during a customs check at the Gye tollgate, on the A31 motorway, near Nancy, reports Midi Libre. Source Actu17


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Compare cheap flights to Surat
The port city of Surat is a metropolitan area of some 6 million people. Formerly known as Suryapur, Surat is renowned for being a gem stone center. The city is located on the left bank of the Tapti River.
When is the cheapest time to fly to Surat?
Flights to Surat
Surat's air transportation is handled by Surat Airport (IATA: STV, ICAO: VASU). This public domestic airport has air direct connectivity with Mumbai and Delhi. It is used by Air India Regional for flights to and from Delhi, and by Spicejet for flights to and from Delhi, Mumbai, Amritsar, and Chandigarh.
Surat: The Diamond City
Surat may not be familiar but it is hailed as the world's diamond capital. More than 92% of the diamonds in the world are cut and polished in this city. If you want to witness how diamonds are cut and polished, Surat is one of the best places to go. Also, aside from the diamond industry, Surat also features a good number of attractions, including gardens, castles, temples, and museums.
Interested to see diamonds getting cut and polished right before your eyes? Consider looking for a great air travel package on Skiddoo and book a flight to Surat.
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With the Skiddoo Price Promise, if you find a cheaper price online we'll match it!


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The sound coming from Afghanistan these days—painfully familiar to those who have travelled there over the past three decades—is of fabric ripping. Periodically, Afghanistan unravels. The country remains very weak after decades of continual violence, emigration, upheaval, return, clandestine war waged by neighbors, and overt war waged by international powers. A pair of horrifying events—the accidental burning of Korans and riots in reaction, followed by a rampage by an American sniper who killed sixteen villagers in rural Kandahar—have now called into question the Obama Administration's exit strategy and the assumptions on which it is based.
Over the weekend, General John R. Allen, the Marine general who leads all NATO forces in Afghanistan, told CNN's Wolf Blitzer, "The campaign is sound. It is solid." But saying so does not make it so. At the White House, according to the Times, there is talk of perhaps speeding up the rate of American troop withdrawal, so that another ten thousand or even twenty thousand troops might leave sooner than planned. But even these proposals sound only like speeded-up versions of the same plan that General Allen is now carrying out.
What if the NATO transition plan for Afghanistan is based upon faulty assumptions or has created fissures that are being ignored because they are unnerving or inconvenient? Does NATO or the Obama Administration have the capacity to honestly reassess the plan, identify its mistaken premises, and adjust? Or do politics, fiscal limits, and the sheer exhaustion of Western governments with Afghanistan's intractable problems mean, in effect, that the choice comes down to the success or failure of a plan set in place several years ago, one that is still on a kind of automatic pilot?
The ebbing of political will and energy about Afghanistan is evident in Western capitals beset by economic troubles. The impulse is to blame the Afghans for taking up the corrupting incentives of massive international spending, and, equally, to blame Pakistan for allowing the Taliban to regroup—as if NATO were not complicit in both failures.
Afghanistan is not, in fact, being consumed, at the moment, by a raging fire; it only feels that way. There are some aspects of the war that are not going terribly. Territory taken by international military forces in the south is being held against the Taliban, although it's not clear how durable those achievements are. Security for civilians in the big cities, even Kandahar, is generally better than it was a couple of years ago. The point is only that despite the shocks and despair of the past few weeks, it is at least conceivable that there is enough time and space to rethink the assumptions on which the current exit plan is based, with an eye toward making sure that it does not fail spectacularly.
Some of the assumptions of the original Obama plan have turned out to be simply wrong. The most glaring one is that NATO's surge in 2009 could induce better governance and decisively improved international-aid performance. There are at least two other dubious assumptions. One is that Afghan politics will be cohesive and stable enough in 2014 to bear the pressures of a dramatic reduction of foreign troops. A second is that Afghan security forces will be capable and politically unified enough to take on the burden assigned to them.
NATO has lately been tearing up its earlier plans for Afghan forces that might have cost eight to ten billion dollars a year to maintain; now the goal being discussed is for a force that might cost two or three billion dollars annually, subsidized by outside governments. When your accountants are changing on the fly the scale and shape of institutions that are pillars of your exit strategy, it is not a good sign.
In war planning as in everything else, human beings often get it wrong. It can be tragic to be wrong; it isn't shameful. What is shameful is to possess the capacity to recognize and fix mistakes but to fail to do so, out of pride, politics, or indifference to the suffering of others—in this case, the potential suffering of Afghans if NATO leaves behind another Somalia. That is the moral and practical dilemma NATO governments face.
Afghanistan has a history of international armies leaving under pressure. Infamously, one exit by a British expeditionary force of about forty thousand soldiers, in 1842, did not go very well. The entire force, but one man, was destroyed on its way to Jalalabad. That long-ago example has perhaps become a cliché of Western thinking about Afghanistan, but it is nonetheless a reminder that the Afghan body politic has long been infused with nationalism and streaks of xenophobia and that Afghans, like lots of other peoples, can alter their collective perceptions of friends and enemies quickly. The timeline here is not likely to be governed by a calendar of international conferences and declarations.
If there is a lesson from the historical examples of armies leaving Afghanistan, it may be that when a foreign army signals weakness or the intent to withdraw, the incentives shaping the actions of Afghan factions under arms can shift rapidly. In any event, that is certainly happening now. In 2009, as the Obama "surge" began, it was apparent to all Afghan actors that the United States and the international community intended to increase their investments in the country— military and otherwise. The Taliban responded to this challenge with asymmetric strategies that have allowed them to fashion a durable stalemate. For non-Taliban factions under arms, the new incentives argued for patience, hedging, and rent seeking while the money was good.
Now the situation has reversed. The West's ebbing tide may tempt some armed factions to act—to try to control and seize the political and military spaces that NATO has announced it is abandoning. This may tip groups previously neutral to the Taliban side; it may give rise to new violence only peripherally related to the Taliban's insurgency; and it will certainly create challenges for the 2014 political transition in Afghanistan, which is scheduled to include a presidential election.
What is Plan B? If some or even a majority of the assumptions behind the current exit strategy are flawed, what are the alternatives? I don't have a confident-sounding five-point plan, I'm afraid; a place to begin would be to withdraw from overweening confidence about the current plan's analysis. Unfortunately, in the state of exhaustion around the Afghan problem, the choice is typically framed as "stay the course" or "get out faster." That is not actually the choice. There are many others. (A quick footnote: Thanks to Roland Paris and Centre for International Policy Studies at the University of Ottawa for sponsoring the lecture from which this Comment is adapted.)
One possible direction, for example, would involve a much more determined accommodation of the declared, broadly based political goals voiced by Afghan leaders, including but not limited to President Karzai. These goals include an end to night raids, greater and faster sovereignty over international military operations, and a review of the arming and supervision of militias. Even the announcement of such a direction might arrest the despair and contention that surrounds the American-Afghan partnership, bogged down for months in increasingly implausible negotiations over a strategic partnership accord.


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Chicago and Cook County Democrats raced Wednesday to put in place more comprehensive bans on semi-automatic assault weapons — with the county going a step further by enacting perhaps the toughest child-safety lock measure in Illinois.
The rush to pass new gun ordinances and fine-tune old ones was the result of a Friday deadline on such moves that's part of the state's controversial new concealed carry law.
County commissioners passed a measure to require that all guns in a home must either have a trigger lock, be stored unloaded in a separate container from the ammunition or be secured to the body of the legal owner if someone younger than 21 could get ahold of the weapon.
The county child-safety regulations are more stringent than state law, which only require locks or secure storage when someone in the home is younger than 14. A similar measure in Chicago defines a minor as less than 18 years old.
The county and city ordinances also imposes fines if someone is caught without a secure weapon a minor could access. State law only allows jail terms or fines if someone younger than 14 gets ahold of the gun and uses it to kill or maim.
Richard Pearson, executive director of the Illinois State Rifle Association, said he believes the county version now is the toughest in the state, but he expressed skepticism it would help protect the public.
The child lock measure will apply in all unincorporated areas and all county suburbs without their own ordinances addressing the same issue. The same is true for the modified assault weapons ban, which so far has withstood legal challenges.
Commissioner Timothy Schneider, R-Streamwood, who joined most of his fellow suburban Republicansin voting against both measures, noted that under the trigger-lock measure, someone who is 18 and could join the military and go to war cannot be in possession of a rifle — unless they are at a shooting range or hunting with someone 21 or older.
Even some Democratic commissioners questioned whether that would stand up to a legal challenge, but voted for it nonetheless. "We may unfortunately be inviting litigation we can do without," said Commissioner John Fritchey, D-Chicago.
Fritchey also questioned a new county assault weapon provision that bars people from carrying handguns with larger capacity magazines in the county. That, he said, could conflict with the state's new law that will allow people to carry concealed weapons for the first time.
Todd Vandermyde, lobbyist for the Illinois chapter of the National Rifle Association, said after the vote that he didn't believe either of the new county measures would pass legal muster. He noted that Chicago ended up paying more than $1.3 million in legal fees to his organization for its successful challenge to the city's handgun ban.
"It's Cook County," Vandermyde said. "You've got an anti-gun majority on the board. You've got an anti-gun president. They think the 2nd Amendment is a piece of toilet paper. They haven't learned any lessons from Chicago. We'll see what happens."
County Board President Toni Preckwinkle said all of the county's previous gun-control measures have been challenged in court, including the county's new $25 fee on handgun purchases.
"Every piece of legislation that we've passed in this body that relates to firearms has been challenged — every piece of legislation — so I think that we can anticipate that we will be sued," Preckwinkle said. "We will do the best we can nonetheless."
She lauded Commissioner Jesus "Chuy" Garcia, D-Chicago, for pursuing the tough child-safety lock measure, saying that guns in a home are much more likely to harm someone in a suicide, domestic violence attack or accident than be used in self defense. "So whatever we can do to discourage people from being careless about the firearms in their house we ought to try to do," Preckwinkle said.
Like the county, the City Council also broadened its definition of an assault weapon to include far more firearms. Aldermen also voted 46-0 to toughen up seldom-used city ordinance violation charges in cases where guns are wielded illegally near schools. More typically, people are charged with state offenses in such cases.
"This isn't going to cure it all, but we had a responsibility and we stepped up," Mayor Rahm Emanuel said after the vote.
The mayor introduced the tougher assault weapon ban and "school safety zone" measure after the General Assembly passed the conceal carry law. Emanuel also faces criticism from parents whose children have to travel through dangerous neighborhoods because he closed dozens of Chicago public schools.
Emanuel and aldermen stood one after another to speak in support of the plan and blamed the weakness of local gun laws on state lawmakers and the National Rifle Association.
"They're always welcome to speak, but their values do not reflect the values of this city," Emanuel said of the NRA.
Twitter @ReporterHal


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Here are some general views of the show. There are 20 pieces exhibited.
The museum provided a corner where visitors could make their own paper cuts and display them. So far there are more than a hundred made by young and old alike. Fantastic!
Some early examples.
Three of my 'Floating World' series are grouped together creating a visual feast of line, colour and shadow.
'Earthstar' and shadow. Where does the artwork end and the shadow begin?
This is the story of how my character Daniel gets lost in a wild forest. I'll write in more detail about this paper cut in the near future.
More shadows. Look carefully and you'll see Daniel riding a dragon. One of the great things about this museum was that they allowed me to experiment with how the work is displayed, so I could play with light and shadows.
Butterfly flow. A new piece. I love peering through these hanging cuts. It's like peering through into another world. I'll write in more detail about this in the near future too.


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While the fact that the management team represents exclusively the male gender may be typical in the world of mechanical engineering, but is by no means a deliberate policy. The company is run by Gerhard Schubert and his three Division Managers.
Gerhard Schubert
Managing Director
Ralf Schubert
Managing Director / Head of Engineering and Assembly
Peter Gabriel
Managing Director / Head of Administration
Marcel Kiessling
Managing Director – Sales / Service Department


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Even billionaire George Soros caught Facebook (FB) fever this spring.
The hedge fund manager purchased 341,000 shares of the social media company during the second quarter, according to SEC filings.
Hedge fund managers aren't forced to specify when during a quarter they purchased stakes in various firms. Still, it's safe to say that the investor who infamously made $1 billion shorting the British pound is under water on his Facebook bet.
Related: Warren Buffett exits Intel
Facebook finished the second quarter, which ended June 30, at $30 a share. That means Soros has lost at least $3 million since then, assuming he holds the same number of shares. Facebook closed Tuesday at just over $20 a share.
Clearly, the damage would be worse if he purchased shares at the $38 IPO price. But even with a loss, it's not enough to move the needle down too much within Soros' $6.9 billion in stock holdings.
Investors didn't take much solace from the disclosure of his investment. Facebook's shares were up less than 1% in after-hours trading.
Soros' investments were revealed in a 13F filing. These documents are released by the SEC 45 days after the close of a quarter and only show a fund's stock positions, not its bond holdings or short positions in stocks.
Soros cashed out of most of his financial holdings during the second quarter. He sold all his shares of large banks, including Goldman Sachs (GS), Citigroup (C), JPMorgan Chase (JPM) and Wells Fargo (WFC), as well as smaller banks like Regions Financial (RF) and Fifth Third Bank (FITB). He did hang onto his stake in SunTrust Banks (STI).
Related: Wells Fargo in $6.5M SEC settlement
Activist investor Dan Loeb, who pushed successfully for changes at Yahoo (YHOO), also exited most bank stocks, including Goldman Sachs, Capital One and Wells Fargo, but kept his stake in Royal Bank of Scotland (RBS).
Bill Ackman, head of the hedge fund Pershing Square, cut his stake in Citigroup by more than half and now owns 11 million shares. Ackman, who has been pushing for changes at JCPenney (JCP), exited Kraft (KFT) and purchased a large stake in Procter & Gamble (PG).
Both David Einhorn, more watched for his prescient bets against stocks like Lehman Brothers and Green Mountain Coffee Roasters (GMCR), and Loeb revealed that their funds made new large bets on health insurance firms. Einhorn's Greenlight Capital and Loeb's Third Point both purchased new stakes in Aetna (AET), Cigna (CI), Humana (HUM) and UnitedHealth Group (UNH).
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Hi all. This will be my first posting here. I would like some feedback on this picture as to whether or not it's a good one or are the branches in the foreground are too distracting. The water itself was my focus here. Thanks for any and all critiques.[a href=\"index.php?act=findpost&pid=68476\"][{POST_SNAPBACK}][/a]
If you want the water to be the focus, brighten it up and back the leaves off--I can't help but stare at the leaves in the upper left, they are so dominant in terms of brightness and vividness.[a href=\"index.php?act=findpost&pid=68567\"][{POST_SNAPBACK}][/a]


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This year's Massachusetts STEM Summit will move to the DCU Center in Worcester, taking place on October 22. The one day event will have the theme of "Gateway to the Future". Looking to continue to address the concerns of business looking to grow in STEM industries which also need qualified workers to fill those jobs.
The conference is organized jointly between the Governor's STEM Advisory Council, the Massachusetts Business Roundtable, and the UMass Donahue Institute. The purpose is to promote STEM education with the intention of growing the workforce able to work in related fields.
Registration details, agendas, and more can be found at the Massachusetts Stem Summit website.
More details: DCU Center in Worcester to host statewide STEM conference
Theme by Danetsoft and Danang Probo Sayekti inspired by Maksimer


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Eclipse DemoCamps Juno 2012/Krakow
Finka Club
at the corner of ul. Warszauera and pl. Nowy, 1st floor
Date and Time
July 5, 2012
starts at 19:00
This Eclipse DemoCamp will be sponsored by
If your company is willing to co-sponsor this event, please contact Szymon Brandys.
- Szymon Brandys, IBM Polska, Eclipse Platform and Orion
- Malgorzata Janczarska, IBM Polska, Eclipse Platform and Orion
- Tomasz Zarna, IBM Polska, Eclipse Platform and JDT
If you would like to present at the DemoCamp, please feel free to add your name and topic to the list. Depending on the number of people interested we may have to change the tentative agenda, i.e. limit the number of presenters and time of each demo.
- What is new in Eclipse 3.8/4.2
- Data driven user interfaces with Eclipse Forms, EMF and Data Binding, Marcin Lewandowski, IBM Polska
- What is new in Orion 0.5
- Tworzenie aplikacji na system Android z użyciem Eclipse, Tomasz Janczarski
- Integracja OpenShift & Eclipse - szybki skok w chmury, Krzysztof Daniel, Red Hat
If you have any trouble with the wiki, just send an email to Szymon.
Mug4bug is an exciting contest to fix a bug or provide a simple feature in Eclipse. Since bugzilla is full of bugs we decided to narrow the list to issues that are not trivial but not too hard to tackle at the same time. All of them are valid issues and we would be very happy to have them all fixed.
The #Prizes will be handed to winners during the event.
You've got 3 weeks. Are you up to the challenge?
- Squash merge commits in Merge wizard
- Allow to checkout by date
- Not amending the last commit should restore the previous comment
- Use DiffCommand to create patches
Platform/Team (contact person Gosia):
- Missing "Select All" shortcut in sync view
- Inconsistent date format between history view and change sets
- Empty sync view shows "Synchronizing" when there is a scheduled sync
Orion, Platform/Resources (contact person Szymon):
A T-shirt or a mug for each accepted fix!
Every submitted fix also gets an extra beer!
If you're new to git or Gerrit you may find these wikis useful:
If you've got any questions regarding a particular bug feel free ping the contact person.
If you need help providing a fix or if you want to fix a bug which is not on the list ping Tomek.
Who Is Attending
If you plan on attending please add your name to the list below or register here. We'd like to see as many people show up as possible.
If you have any trouble with the wiki, just send an email to Szymon.
- Brandys Szymon, Eclipse Platform and Orion, IBM
See the page of the previous EDC event.


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Patient Safety Indicators
The Patient Safety Indicators (PSIs) are a set of indicators providing information on potential in hospital complications and adverse events following surgeries, procedures, and childbirth. The PSIs were developed after a comprehensive literature review, analysis of ICD-9-CM codes, review by a clinician panel, implementation of risk adjustment, and empirical analyses.
The PSIs can be used to help hospitals identify potential adverse events that might need further study; provide the opportunity to assess the incidence of adverse events and in hospital complications using administrative data found in the typical discharge record; include indicators for complications occurring in hospital that may represent patient safety events; and, indicators also have area level analogs designed to detect patient safety events on a regional level.
Patient safety indicators (PSIs) and hospital-acquired conditions (HACs) are metrics for quality of care and are linked to reimbursement. The prevalence of PSIs/HACs may impact access to health care for certain conditions.


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§831n–3. Use of funds; limitation of issuance
With the approval of the Secretary of the Treasury the Corporation is authorized, after the date of enactment of this section, to issue bonds not to exceed in the aggregate $61,500,000. Such bonds may be sold by the Corporation to obtain funds which may be used for the following purposes only:
(1) Not to exceed $46,000,000 may be used for the purchase of electric utility properties of the Tennessee Electric Power Company and Southern Tennessee Power Company, as contemplated in the contract between the Corporation and the Commonwealth and Southern Corporation and others, dated as of May 12, 1939.
(2) Not to exceed $6,500,000 may be used for the purchase and rehabilitation of electric utility properties of the Alabama Power Company and Mississippi Power Company in the following named counties in northern Alabama and northern Mississippi: The counties of Jackson, Madison, Limestone, Lauderdale, Colbert, Lawrence, Morgan, Marshall, De Kalb, Cherokee, Cullman, Winston, Franklin, Marion, and Lamar in northern Alabama, and the counties of Calhoun, Chickasaw, Monroe, Clay, Lowndes, Oktibbeha, Choctaw, Webster, Noxubee, Winston, Neshoba, and Kemper in northern Mississippi.
(3) Not to exceed $3,500,000 may be used for rebuilding, replacing, and repairing electric utility properties purchased by the Corporation in accordance with the foregoing provisions of this section.
(4) Not to exceed $3,500,000 may be used for constructing electric transmission lines, substations, and other electrical facilities necessary to connect the electric utility properties purchased by the Corporation in accordance with the foregoing provisions of this section with the electric power system of the Corporation.
(5) Not to exceed $2,000,000 may be used for making loans under section 831k–1 of this title to States, counties, municipalities, and nonprofit organizations to enable them to purchase any electric utility properties referred to in the contract between the Corporation and the Commonwealth and Southern Corporation and others, dated as of May 12, 1939, or any electric utility properties of the Alabama Power Company or Mississippi Power Company in any of the counties in northern Alabama or northern Mississippi named in paragraph (2).
The Corporation shall file with the President and with the Congress in December of each year a financial statement and complete report as to the expenditure of funds derived from the sale of bonds under this section covering the period not covered by any such previous statement or report. Such bonds shall be in such forms and denominations, shall mature within such periods not more than fifty years from the date of their issue, may be redeemable at the option of the Corporation before maturity in such manner as may be stipulated therein, shall bear such rates of interest not exceeding 3½ per centum per annum, shall be subject to such terms and conditions, shall be issued in such manner and amount, and sold at such prices, as may be prescribed by the Corporation with the approval of the Secretary of the Treasury: Provided, That such bonds shall not be sold at such prices or on such terms as to afford an investment yield to the holders in excess of 3½ per centum per annum. Such bonds shall be fully and unconditionally guaranteed both as to interest and principal by the United States, and such guaranty shall be expressed on the face thereof, and such bonds shall be lawful investments, and may be accepted as security, for all fiduciary, trust, and public funds, the investment or deposit of which shall be under the authority or control of the United States or any officer or officers thereof. In the event that the Corporation should not pay upon demand when due, the principal of, or interest on, such bonds, the Secretary of the Treasury shall pay to the holder the amount thereof, which is authorized to be appropriated out of any moneys in the Treasury not otherwise appropriated, and thereupon to the extent of the amount so paid the Secretary of the Treasury shall succeed to all the rights of the holders of such bonds. The Secretary of the Treasury, in his discretion, is authorized to purchase any bonds issued hereunder, and for such purpose the Secretary of the Treasury is authorized to use as a public-debt transaction the proceeds from the sale of any securities hereafter issued under chapter 31 of title 31, and the purposes for which securities may be issued under such chapter are extended to include any purchases of the Corporation's bonds hereunder. The Secretary of the Treasury may, at any time, sell any of the bonds of the Corporation acquired by him under this section. All redemptions, purchases, and sales by the Secretary of the Treasury of the bonds of the Corporation shall be treated as public-debt transactions of the United States. With the approval of the Secretary of the Treasury, the Corporation shall have power to purchase such bonds in the open market at any time and at any price. None of the proceeds of the bonds shall be used for the performance of any proposed contract negotiated by the Corporation under the authority of section 831k–1 of this title until the proposed contract shall have been submitted to and approved by the Federal Power Commission. When any such proposed contract shall have been submitted to the said Commission, the matter shall be given precedence and shall be in every way expedited and the Commission's determination of the matter shall be final. The authority of the Corporation to issue bonds under this section shall expire January 1, 1941, except that if at the time such authority expires the amount of bonds issued by the Corporation under this section is less than $61,500,000, the Corporation may, subject to the foregoing provisions of this section, issue, after the expiration of such period, bonds in an amount not in excess of the amount by which the bonds so issued prior to the expiration of such period is less than $61,500,000, for refunding purposes, or, subject to the provisions of paragraph (5) of this section (limiting the purposes for which loans under section 831k–1 of this title of funds derived from bonds proceeds may be made) to provide funds found necessary in the performance of any contract entered into by the Corporation prior to the expiration of such period, under the authority of section 831k–1 of this title.
(May 18, 1933, ch. 32, §15c, as added July 26, 1939, ch. 366,
References in Text
The date of enactment of this section, referred to in text, probably means July 26, 1939.
"Chapter 31 of title 31" and "such chapter" substituted in text for "the Second Liberty Bond Act, as amended" and "such Act, as amended,", respectively, on authority of
Transfer of Functions
Federal Power Commission terminated and its functions, personnel, property, funds, etc., transferred to Secretary of Energy (except for certain functions transferred to Federal Energy Regulatory Commission) by sections 7151(b), 7171(a), 7172(a), 7291, and 7293 of Title 42, The Public Health and Welfare.
Executive and administrative functions of Federal Power Commission, with certain reservations, transferred to Chairman of such Commission, with authority vested in him to authorize their performance by any officer, employee, or administrative unit under his jurisdiction, by Reorg. Plan No. 9 of 1950, §§1, 2, eff. May 24, 1950, 15 F.R. 3175,