text: Zajednica partnera trenutno nije dostupan na vašem jeziku. Pročitajte više na engleskom Nazad Šta propuštam? Zajednica partnera Tips, tricks & more My 10 tips that have saved me!!! Hi! Guys, I would like to share my 10 tips that helped me since I started hosting two years ago: White sheets - I love colours so I bought sheets with nice and Zajednica partnera Tips, tricks & more What does Continential Breakfast mean to you ? Hi So When I originally started offering breakfast I knew I need to be careful how on I offer it and then define it, since I do not actually cook breakfast for Zajednica partnera Tips, tricks & more BEFORE and AFTER Photoshoot +Tips


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28 January, 2014 | (01 hr)
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Is the United States economy finally bouncing back from the perils of the Great Recession or are we still waiting for the real "recovery" to begin? The debate about America's growth prospects is taking place in a highly polarized political environment, pitching the need for growth to create jobs for millions of un- or underemployed against the need to address the long-term fiscal challenges, especially those driven by future entitlement obligations related to an aging population.
Can America revive its pace of investment in physical and human capital, and its ability to leverage technology and innovation to grow productivity as crucial ingredients of a sustainable growth strategy? Will the U.S. continue as the cradle of new business development and experimentation in the global economy, or will strong headwinds from the forces of secular decline ultimately put it second to some of the leading emerging markets?
Join The Conference Board's Chief Economist, Bart van Ark, in a conversation with a country expert and business leader speak about future scenarios for the U.S. economic and business environment.
Based on The Conference Board Global Outlook 2014, this webcast series will explore possible growth scenarios for 7 regions around the globe through 2025. Taking into consideration a range of possible outcomes of key political, social and economic uncertainties in the coming 11 years, our experts will discuss how executives can use this information to think about global business strategies. Each webcast in the series will go in-depth on a single region: US, Europe, China, Brazil, India, Southeast Asia, and Mexico. Join all 7 webcasts to gain the most comprehensive, comparative global perspective.
Harry M. Jansen Kraemer, Jr.
Harry M. Jansen Kraemer, Jr. is executive partner at Madison Dearborn Partner (MDP), a private investment equity firm. Prior to joining MDP in 2005, Kraemer was the chairman and CEO of Baxter International Inc, a $12 billion global health care company. He currently serves as clinical professor of...Full Bio
Martin Fleming
Martin Fleming is IBM's Chief Economist and Vice President, Business Performance Services.
In leading the Business Performance Services team, Martin leads an analytics center of competency focused on improving IBM's business performance and achieving IBM's 2015 financial...Full Bio
Bart van Ark
Bart van Ark is a Senior Advisor of the Economy, Strategy and Finance (ESF) Center at The Conference Board. From 2008 until September 2020 he was Chief Economist and Head ...Full Bio

subset: commoncrawl


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Tag Archives: The Stand
Books, Comic Books & Graphic Novels…. What's the Difference?
A novel is a fictitious prose narrative of considerable length and complexity, portraying characters and usually presenting a sequential organization of action and scenes. A comic book is a magazine with one or more comic strips A graphic novel is … Continue reading
Posted in Reader Resources Tagged #curvyreader, Adam Warren, Al Rio, Alain Korkos, Alex Maleev, Amazon.com, Amerlia Woo, Amy Corzine, Amy Kim Ganter, Andrew Dallhouse, Anita Blake Vampire Hunter, Anne Rice, Anya Ulinich, Ardian Syaf, Ben Templesmith, Between Chapters, Bill Willingham, Blankets, Blood Work, books, Bram Stroker, Brett Booth, Brian K. Vaughan, Captain Trips, Charlotte Bronte, Chuck Dixon, Cliff Richards, Clive Bryant, Comic Books, Cory Doctorow, Craig Thompson, Crime and Punishment, Daerick Gross, Daniel Abraham, Daniel Clowes, Darla G. Denton, David Lawrence, David Zane Mairowitz, Dean Koontz, Diana Gabaldon, Dick Giordano, Dictionary.com, dracula, Echo, Ed Brisson, Emily Bronte, Emma, Empowered, Fable, Far From Wonder, Faye Perozich, Fever Moon, Fiona Staples, Francis Tsai, Frank Beddor, Frankenstein: Prodigal Son, Fyodor Dostoevsky, Game of Thrones, Gemma Magno, George R. R. Martin, Grace Randolph, Graphic Novels, Greg Means, Hatter M., Herman Melville, Hoang Nguyen, Homecoming, Ilya, In Real Life, James Jean, Jane Austen, Jane Eyre, Janet Lee, Jen Wang, Jessica Ruffner, Jim Butcher, Jim Campbell, Jim Devlin, Jo Wheeler, Joe Flood, Joe Sutliff Sanders, John M. Burns, John McDonald, Karen Marie Moning, Kevin J. Anderson, Kim Harrison, Kurtis J. Wiebe, Lalit Kumar, Lance Stahlbern, Laurell K. Hamilton, Laurence Sach, Lena Finkles Magic Barrel, Liz Cavalier, Mercy Thompson, Mike Perkins, Mister Wonderful: A Love Story, MK Reed, Moby Dick, Nancy Butler, Nei Ruffino, Northanger Abbey, Patricia Briggs, Pedro Maia, Peter Straub, Philippa Rice, Pride and Prejudice, Rachel Rising, Rajesh Nagulakonda, Rat Queens, Reading, Roberto Aguirre-Sacasa, Robin Furth, Roc UpChurch, Romeo and Juliet, Ron Lim, Room For Love, Roy Thomas, Russell Dauterman, Saga, Sami Makkonen, Sean Michael Wilson, Sense & Sensibility, Sonny Liew, Soppy: A Love Story, Sorcerers and Secretaries, Stephanie Meyer, Steven King, Strangers in Paradise, Superbia, Terry Moore, Terry Wiley, The Cute Girl Network, The Dresden Files, The Exile:An Outlander Graphic Novel, The Laughing Corpse, The Looking Glass Wars, The Road of Trials, The Stand, The Talisman, The Vampire Lestat, Tony Shasteen, Trey Moore, Trina, Tuesday Talks, Twilight: The Graphic Novel, Welcome To The Jungle, Will Volley, William Shakespeare, Wisegeek.com, Wuthering Heights, Young Kim, YouTube Leave a comment


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CraftKitsandSupplies has a large selection of 4th of July Crafts and Supplies. Fourth of July Crafts like, Flag Beads, Flag Suncatchers, Patriotic Suncatchers, and much more.
We also carry a complete line of Beads, Birdhouse Kits, Christmas Crafts, Craft Supplies, Kids Crafts, Misc Crafts, Wood Craft Kits, and much more.


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Designer: Alexandra Grecco | Photographer: Elizabeth Messina
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Praise Wedding is a wedding planning and inspiration online magazine for the modern everyday brides&grooms. Our mission is to inspire sophisticated ideas by featuring the most talented vendors and products in the photography, fashion, decoration, design, and food industries. Praise provides inspiration and seeks to present trendy sensibility combined with unique romance.
Latest posts by Praise Wedding (see all)
- This engagement shoot is a dream come to life, and totally fulfilling our wanderlust today. Their sweetness combined with the beauty of nature created no need for extra props and decor. Wind-swept, sun-kissed beauty is all we can think about after seeing this inspiration. - October 25, 2020
- Tirtha is all about staying safe, just like this beautiful table setup with physical distancing standards. Who said celebrating can't be gorgeous or fun during the new normal? - October 23, 2020
- The style in this modern and chic maternity session is top notch! - October 21, 2020


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As the SEC takes steps toward rulemaking on the fiduciary standard for brokers who hold themselves out as advisors, and the Department of Labor prepares to extend fiduciary requirements to cover more brokers who work with retirement account holders, fi360 and AdvisorOne have jointly conducted their second annual survey of investment advisors and brokers concerning their attitudes about the fiduciary standard.
In March and April of 2012, 380 advisors from across the business model spectrum took the time to complete the survey, which not only sought their opinions on the fiduciary standard but also gauged their understanding of what such a standard means now, or would mean, to their businesses.
The top-line findings of the 2012 fi360-AdvisorOne.com Fiduciary Survey? Most brokers and advisors agree that investors don't understand the differences between brokers and investment advisors. They believe that extending the fiduciary standard to brokers would help restore investors' confidence in—and raise the credibility of—financial services providers. But there may also be a disconnect between the fiduciary duty that many brokers already have assumed and some of their employers and associations that have resisted extending a fiduciary duty to all advice-givers. Key survey findings are delivered here as they are being presented Thursday at the fi360 Annual Conference in Chicago.
- 97% of respondents, up from 96% in 2011, say investors do not understand the differences between brokers and investment advisors
- 65% of respondents believe the fiduciary standard (no less stringent than in the Investment Advisers Act of 1940) would help restore investor confidence in financial service providers
- 70% of respondents believe the fiduciary standard would raise the credibility of financial services providers
The survey was open to all brokers and investment advisors, and gathered information from respondents about their compensation models, registrations and prior registration status. (View the 2011 AdvisorOne-FI360 survey findings here.)
Costs and Choice for Investors
Brokers and advisors in the field say it does not cost investors more to work with an advisor who is a fiduciary than with a broker operating under a suitability standard, and that a fiduciary duty for brokers would not reduce product or service choice for investors.
- 82% of respondents say it does not cost investors more to work with fiduciaries than brokers when all costs to the investor are considered, up from 74% in 2011.
- 72% of respondents indicate a fiduciary duty for brokers would not reduce product or service choice for investors, up from 69% in the 2011 survey
- 72% of respondents say a fiduciary standard of care would not price some investors out of the market for advice, up from 67% last year,
These findings suggest a dichotomy between the attitudes of brokers and advisors in the field and broker-dealer and insurance executives. SIFMA, NAIFA, and the Financial Services Institute have argued against extending the Advisers Act RIA fiduciary standard to brokers, claiming such a standard would entail higher compliance costs, disrupt investor access to advice or products and result in higher costs to end investors.
In the field, however, the responses to the survey (see below) indicate that many brokers say they already consider themselves to be in a fiduciary relationship with their clients, regardless of whether they feel supported to do so by their home offices.
A Fiduciary Trend
The majority of brokers and advisors—63.4%—said they already have a fiduciary relationship with their clients, while only 7.2% say they do not. However (see below), 21.5% of respondents indicate they have a client base in which "some are RIA-fiduciary relationships and some are BD-suitability relationships." Eight percent of advisors noted: "For some clients I have both a fiduciary relationship and suitability relationship."
More firms are supporting the brokers and advisors who want to have fiduciary relationships with clients or customers: 58% indicated that their firms have compliance and documentation support for the fiduciary standard, and 29.4% offer support for both fiduciary and suitability, while just 12.4% offer support only for the suitability standard.
Compliance support goes hand-in-hand with a demographic shift away from registration solely as a broker to dual registration or RIA/IAR status. Survey participants were closely divided as far as current registration: RIA/IAR 54.5%, while a total of 45.5% said they were registered representatives or dually registered advisors. But RIA/IARs outnumber registered reps by more than five-to-one, while dually registered advisors outnumber registered reps by a bit less than four-to-one.
Separating Advice From Sales
The vast majority of participants indicated there should be clear differentiation between product providers and advice providers, and that titles such as advisor, consultant and planner imply that a fiduciary relationship exists.
- 87.3% of respondents say there should be clearer differentiation between product providers and advice providers, up a tic from 86.7% last year.
- 72% believe the titles "advisor," "consultant" and "planner" imply that a fiduciary relationship exists, up from 69% last year.
The Knowledge Gap
How important do brokers and advisors think fiduciary advice is to investors? According to survey participants, very important. While there is debate over how effective disclosures are for investors, and even research that indicates that disclosures without fiduciary advice could actually harm investors, there is broad agreement that disclosures alone are not enough— the advice has to be in the client's best interest. In part this is because of the "knowledge gap" between the professional and the ordinary individual, in any profession, whether it is financial services, lawyer-client or doctor-patient.
- 81% of respondents say disclosures alone are not sufficient to manage conflicts, a finding consistent with the 2011 survey
- 67% of respondents believe that ordinary investors cannot overcome the "knowledge gap between professional advisors and investors regarding investments and financial services"
- 85% of respondents say that this knowledge gap makes fiduciary advice much more important for ordinary investors
In future postings on the Fiduciary Survey home page, we will relate the findings of the 2012 survey on what respondents think about possible changes in the regulatory scheme for advisors, including the Department of Labor's proposed redefinition of fiduciary for retirement accounts, and the overall trends suggested by the findings.


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The first two installments of "Night at the Museum," starring Ben Stiller, have brought in close to $1 billion worldwide at the box office, so it should come as no surprise that a third installment is in the works.
Funnyman Thomas Lennon, who co-wrote the first two films with Ben Garant, his former co-star in MTV's seminal '90s sketch comedy show "The State," and later Comedy Central's "Reno 911," suggested the third script is being written.
"How could you not? I think it's a really outstanding idea to do 'Night at the Museum 3,' in fact," he told AccessHollywood.com on the red carpet at the "Pee-Wee Herman Show" at Club Nokia in Los Angeles on Wednesday night.
"I wonder if someone's not even already working on a script for that," he added with a raised eyebrow. "I cannot confirm that for a fact, but I cannot deny it for a fact either… It might be in the works."
And he suggested he is thinking about where the next film could be set.
"Here's a little bit, [a] real quick spoiler alert – 'Night at the Museum 3' is set in the Liberace Museum," he said with a smile.
Related Content from AccessHollywood.com:
VIEW THE PHOTOS: Night At The Museum
PLAY IT NOW: Thomas Lennon: ''Night At The Museum 3' Is Set At The Liberace Museum!'
PLAY IT NOW: Ben Stiller & Owen Wilson Talk 'Night At The Museum: Battle Of The Smithsonian' In D.C.
MORE ACCESS ON THESE TOPICS: Thomas Lennon - 'Night At The Museum' - Movies - Ben Stiller - Box Office


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At everydayhero, we are committed to protecting your privacy. We use your data as described below to allow you to use everydayhero and enhance your experience using our platform.
everydayhero in the UK is a service provided by Everyday Hero Limited, an entity established under the laws of England and Wales. You can contact everydayhero via firstname.lastname@example.com or by writing to everydayhero, WeWork 10 York road London, United Kingdom. This Policy applies to our collection and use of your data in connection with our services, like the everydayhero website (the "Services").
To contact everydayhero's Data Protection Officer regarding our processing of your personal data, email email@example.com.
We keep this Policy under regular review and place updates on the everydayhero website. We will also provide notifications of material changes via email or other channels. If you keep using the Services after we notify you, you consent to the updated Privacy Policy. If not, you may cancel your account.
everydayhero recognises that your personal data belongs to you and we don't wish to use it in ways that you don't want us to.
You can control whether or not you receive most types of email from everydayhero by visiting the "Manage Notifications" tab in your account.
You can also exercise a variety of rights regarding our use of your data:
To exercise any of the foregoing rights, click here. Note that some of these rights may not be enforceable until 25 May 2018 and some aren't absolute—for example, we may not be able to forget you if we have to keep some of your data to comply with the law—but we'll evaluate your request in accordance with applicable data protection laws. everydayhero will respond to your request within one month of receiving it. Also, note that you have the right to lodge a complaint with the supervisory authority in your country of residence or place of work.
We know that it's complicated, but when you use the Services to make a donation or fundraise, some of your data is collected by us for the charity's use and some is for ours. This makes us a data controller for the data we need to create your everydayhero account, give you general customer support, send you helpful updates from everydayhero and monitor and improve our Services. Charities are data controllers for donation and fundraising data, even though those activities happen on our platform.
For more information, here's a handy infographic.
As stated above, we collect data for our use to create your account, give you general customer support, send you helpful updates from everydayhero and monitor and improve our products. We discuss what data we collect for those purposes below.
Charities ultimately determine the data we collect related to your donations and fundraising and how they'll use that data. Even so, we thought it would be helpful to describe the data we're collecting on their behalf when you make a donation or fundraise, so that information is also below.
We don't receive any personal data about you other than what you provide us, either by creating an account, using the Services, from Facebook, Fitbit, Twitter, MapMyFitness and Strava (your "Connections") when you agree to share data between the Services and your Connections, or data we can infer from your use of the Services.
When you create an everydayhero account: We will collect basic contact information about you to set up your account. This will include your name, address, email address and phone number. We will also ask you to select a password so you can gain secure access to your account in the future.
Alternatively, you may authorise us to collect your basic personal details from a secure online source (e.g. Facebook, Strava or MapMyFitness) to which you have already provided this information.
When you sign in to everydayhero using your Connections: If you choose to log in via one of the Connections, we will receive your profile information to allow you to login and populate our records about you. In addition, we obtain access to the following data:
You can control whether or not your Connections share this data with us, either by changing your preferences in the "Manage Connections" tab in your account or, if available, by visiting the app setting controls on the Connections' websites.
When you use the Services: We also collect information about your use of our Services, including your IP address, mobile device identifier, how much time you spend on the site, and what you do or view. We do this through the use of cookies. To read more about our use of cookies, please refer to our separate cookies page.
When you make a donation: To enable us to process donations, we will collect basic payment information as well as your name, home address and email address.
When you create a fundraising page: We will use the details you provided when you set up your account to create your fundraising page. Where applicable, we will ask you to provide details of how and when you are intending to fundraise and/or the occasion you are recognising by carrying out the fundraising.
When you give us information about others: You may decide to provide us with information about others (or authorise us to collect this information on your behalf from your social networks) for example:
You must ensure that they have agreed to you providing us with their information. Where required by local laws, we would advise you to keep a record of their agreement and provide them with a copy of, or link to, this Policy. This is especially the case if you provide us with sensitive information about them (e.g. a reference to an illness or health condition).
You should also only contact individuals using the Services who you know would be happy to hear from you and must not use our Services to send unsolicited 'spam' messages.
You are not required to provide personal data to us. Note, however, that your failure to do so may affect our ability to provide the Services you request. For example, we are unable to process your donation to a fundraiser if you do not provide your payment information.
everydayhero uses your personal data to allow you to create an account, to give you customer support about general site usage, to send you communications and to enhance your ability to fundraise. We also use your data to help us make everydayhero better.
Create Your Account: We use your information to create your everydayhero account.
Help You Use the Website: We use your information to provide customer support about your use of the Services generally, like if you have problems accessing your account. Note that if we provide customer support with your donation or fundraiser, we do so on the charity's behalf.
Communications: We use your information to send you some different types of emails (on our own behalf and on behalf of charities) and you can stop receiving them as set forth below:
|Types of Emails
|On Whose Behalf Are They Sent?
|How Can You Stop Getting Them?
|Fundraising page notifications, team fundraising notifications, important updates from campaigns you're fundraising in
|The charity you donate to or fundraise for
|You can opt out by visiting the "Manage Notifications" tab in your account or click unsubscribe on any email
|Helpful updates from everydayhero
|You can opt out by visiting the "Manage Notifications" tab in your account or click unsubscribe on any email
|Triggered by actions you take using the Services, like page creation and cancellation notification emails
|The charity you donate to or fundraise for
|You can't opt out of these, but you won't receive any unless you take an action on everydayhero. To stop receiving these emails, just don't take any actions on the platform.
|Containing communications charities are required to provide you by law, like donation receipts and Gift Aid information
|The charity you donate to or fundraise for
|Charities have to send these emails as required by law, as long as you make a donation or claim Gift Aid. To stop receiving these emails, just don't make a donation or claim Gift Aid.
|Containing communications we're required to provide you by law, like notices about data breaches
|We have to send these emails as required by law, as long as you have an everydayhero account. To stop receiving these emails, please contact us to delete your account. We may still send them if a breach occurred you when you were a user.
Making everydayhero Better: We use aggregated and personal data about you and your use of our Services to develop and test better fundraising tools, to drive our research and development and to better understand our users and charity partners. everydayhero does this analysis using a variety of data sources—transactional data (how you use the Services), click stream and log data (web traffic and Services usage), email data (how you respond to emails we send you), survey data, customer service data and data you agree to share with us from your Connections. We may send you surveys about the Services, but you can opt out of these by visiting the "Manage Notifications" tab in your account and participation is completely voluntary.
We process your personal data on a variety of legal bases depending on the use. Note that the charities who are data controllers with respect to your donation and fundraising data determine the legal basis for our processing of such data, so please contact them for more information.
Under applicable data protection law, everydayhero can process your personal data on one of six legal bases: with your explicit consent, or if it is necessary for the performance of a contract, to comply with a legal obligation, to protect a person's vital interests, for the performance of a task carried out in the public interest or in the exercise of controller's official authority or for legitimate interests of the controller.
everydayhero justifies the following processing activities on the bases listed below:
Linking your everydayhero account with your Connections
Performance of a Contract (aka performing services you request). When you request that we perform certain functions for you, these activities require that we process your personal details, or else we can't perform the function you're requesting:
The functions you can request from us are to:
Legitimate Interests:
We may process your personal data for the purposes of our legitimate interests, provided that these uses aren't outweighed by your rights or interests. For any uses we justify on the basis of legitimate interest, you have the right to opt out of such processing here.
Making everydayhero Better: As stated above, we use aggregated and personal data about you and your use of our Services to develop and test better fundraising tools, to drive our research and development and to better understand our users and charity partners. We also send you surveys about our Services, which are voluntary. These activities are necessary to fulfil our interest in creating better tools for enhancing the ecosystem of good by helping us create better technology, better communications and a better website.
Sending Emails: We use charity users' data to send organisations marketing communications about our Services and offerings from our affiliated organisations. We also use your data to send you helpful updates from everydayhero, like updates about new features and recommendations about other campaigns you might like. As for most companies, our ability to send such emails is necessary for our commercial interests and may allow us to expand our base of charity partners and users.
For each of the foregoing purposes, we have conducted a legitimate interest assessment to ensure that such processing isn't overridden by your rights or interests. We employ safeguards, such a formal data governance programme and robust security measures, to protect your privacy.
everydayhero does not conduct automated decision-making on its users.
We may disclose your data to our affiliated organisations and subsidiaries, and to service providers who render services to us or you on our behalf (all of which are contractually obligated to act only on our instructions and in accordance with applicable laws, including GDPR). We also may disclose your information if required by law, requested by law enforcement authorities or to enforce our legal rights. We may share your information in connection with a sale or reorganisation of everydayhero.
Our service providers include:
We also share your personal data with fundraisers and charities as follows:
Fundraisers: If you donate to a fundraising page, we pass on details about you that are already publicly available on the page. In other words, we let the page creator know your display name, your comment (if you've made one) and amount of your donation (if you've chosen not to make it anonymous).
Charities: We share with charities and not-for-profits details about donations made to them and fundraising pages created for their behalf, including your personal data, and they're actually the data controller of such information. For more information, please see the section "How Do Charity Partners Use My Data?" below.
Event Partners and Companies: We sometimes share data about fundraising pages with third parties that host or sponsor events so they can understand who is fundraising for their events and how well fundraising efforts are progressing or performed. The data we share with these event partners and companies includes fundraiser name, the name and creation date of your page, your fundraising target, how much you have raised and the number of donors to your page. If an event benefits multiple charities and you choose to fundraise for a particular charity, event partners and companies will also receive the name of the charity for which you're fundraising. This data is already publicly available on fundraising pages. Event partners and companies don't receive personal data about donors.
As stated above, when you donate to or fundraise for a charity, that charity is the data controller for the personal data related to that transaction and everydayhero only acts on behalf of the charity when it handles that data. This means that such charities are responsible for their own compliance with data protection laws when they use your personal data, and all such use is subject to the charity's own privacy notice. When charities receive your details, they are required to send you their privacy notice. everydayhero is not responsible for charities' use of your personal data or the charities' compliance with applicable laws.
When you donate to or create a fundraising page, everydayhero will ask whether or not you consent to receiving email from the charity about the impact of your donation and other ways to support them including future events, campaigns and appeals. We will pass your consent preference on to the charity.
If you want to change your preferences for a charity to use your data (to contact you or otherwise), please contact the charity directly.
Note that charities receive information about supporters from lots of different sources. We're not the system of record for our charity partners, so we can only collect and evidence your consent to receive email fundraising appeals from our charity partners as you elect on our platform. We cannot reflect any changes in your consent preferences that you make directly with the charity. For example, if you opt in to receive emails from a charity when you make a donation through everydayhero, but then you subsequently opt out by telling the charity, everydayhero won't have a record that you opted out of receiving email from that charity.
Some of our service providers and affiliated organisations may lie outside the EU. Therefore, sometimes we may transfer your data outside the EU. If we do, we ensure your data is processed only in countries that provide an adequate level of protection for your data or where the recipient provides appropriate safeguards, such as model contract clauses, binding corporate rules, or mechanisms like the EU-U.S. Privacy Shield framework. For a copy of such safeguards, please contact us.
If you work for a charity or company that has a business relationship with everydayhero, we use your data in slightly different ways than for individual users of the Services.
We collect a charity user's name, position, work email address and office number. We use this data to enable you to sign into your organisation's account. In addition, we may use your data to perform business services you request. Finally, we will send you the following email communications: operational emails, customer service emails and business marketing emails. You can opt out of receiving emails from us by clicking "unsubscribe" on the bottom of our emails, but you cannot opt out of service emails related to your requests.
We keep your personal data in an identifiable form for as long as we have a legitimate reason to use the data and as required by law. If you would like us to remove any information please contact us.
everydayhero adheres to the Payment Card Industry Data Security Standard (PCI DSS). The Payment Card Industry Data Security Standard (PCI DSS) is a proprietary information security standard for organisations that handle branded credit cards from the major card schemes including Visa, MasterCard, American Express, and Discover.


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How does thinking about reaching "everyone" with the gospel change how you do things?
Demeke is an evangelist from Ethiopia. He participated in an MC2 training, a four-phase training process to give people a vision for outreach and equip them to launch new churches and faith communities.
Demeke faithfully implemented his training. A phase one assignment was to identify a person of peace through a strategy called "Prayer/Care/Share" in his network of family and friends. Those who responded would be the foundation of a new home fellowship.
Using this strategy, Demeke planted six new churches in six locations in Eastern Ethiopia. One of the churches is among the Afar people.They are nomadic Muslims, most of whom had no known contact with a Christian church.
The first of the churches now has 103 believers, the second has 40, and a third, 65. This third community launched a church in another community, and it now has 38 believers. A fifth community has a new church with 11 believers. In addition, 77 new believers joined Demeke's own congregation.
When asked, "How do you effectively minister in six places?" Demeke answered, "I prayerfully selected the sites. I searched for a person of peace who welcomed me with a positive attitude and asked him to have a fellowship time in his house. I shared Christ with him. When he accepted Christ, I encouraged him to invite his friends and neighbors to his house."
Demeke added, "I guided them in how to study the Word of God and worship together. I appointed leaders from among them, then trained the leaders and encouraged them to take the initiative to coach others. After doing this, I leave the area and go to another site and start over. Once in awhile I come back to visit. Sometimes I bring other church leaders to address some challenges they may be facing. I coach through phone calls as well as face-to-face meetings."
How can God use one man to do so much in such a short period of time? Demeke summarized it this way: "My focus is starting groups in new places, then equipping leaders. It is the leader's responsibility to help others to multiply and expand to other places."


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Well well, who would have thought that sludge could cause a little disturbance? I had no idea sludge was not a widely known phrase. For those of you wondering what on earth I've been rambling on about, there's a rather grim description of sludge here (read at your peril). I suppose sludge is indeed a muddy, silty type substance which is generally fairly negative in its connotations. I use it to encompass a colour palette which is rather murky in tone. This is how I always viewed these Civil War type fabrics, to be fair I really didn't "get" them but I'm glad to say I've widened my tastes (and my stash!) It was probably a little unfair to dismiss my recent handiwork as sludgey. There is beauty in that there sludge!
I have been indulging in more sludgey quilting on a miniature scale and devouring books on the subject. I asked my sister to lend me this book (scared as I was by the second hand prices on the 'net). Any self-respecting Civil War-style quilt maker knows that you have to have a prairie doll to display with your quilts.
Now I will turn my crafty hands to just about anything but I've never made a doll. I've made soft toys, I've made dolly-like clothes (for Katie Kitty for example) but never a doll. Truth be told, I was a bit scared! I read Prairie People over and over, I've not been seen without that book for the past week and yesterday, I decided it was time to get down to dolly business. I chose my doll, "Purleyetta" (the book has a huge list of rather interesting names suitable for prairie dollies) and began tracing the pattern pieces onto freezer paper. I love this stuff. It has a paper side onto which you draw and the reverse is shiny and when the heat of an iron is applied is turns temporarily sticky so it is great for making pattern pieces and templates, you simply iron the pieces onto your fabric and cut round them.
So far so good. Purleyetta is looking a bit worryingly butch here?
The instructions directed for the doll to be made from osnaburg (duly ordered from The Cotton Patch) which is a very loose weave sacking-type material. Not the easiest to work with, I stay-stitched all pieces as instructed and double stitched all seams using a very small stitch size. Oh, the patience.
So I have sewn like a thing possessed (nothing new there) and I would say about 15 hours later, Purleyetta has been born. Not a bit of butchness in sight, out she goes to enjoy the glorious sunshine.
The sunshine is lovely but not handy for photos, it has to be said. I was most trepidatious about creating the doll's face. My sister has always said "But it's the faces. Getting those right. That's the hard bit". I was thinking going Amish might be preferable. But I set to with some permanent fine liner pens, some acrylic paint and a few brushes and it wasn't actually that bad. A bit of trapunto created the nose (oh my, was that fiddly and the osnaburg actually frayed a bit but never mind).
The attention to detail in the instructions was good. The head and body are one piece, then there are two separate legs which you stitch into the body and two arms to hand stitch to the torso. I loved creating the chubby fingers!
Of course, the body was only the beginning because then Purleyetta had to be dressed, lots more pattern pieces to trace onto tissue paper before sewing them up, including full under garments made from vintage sheeting trimmed with vintage lace.
Working on a small scale is fiddly but satisfying.
The book suggests that Purleyetta is a simple soul, without frills, and a true quilter, happy with her quilts. There are instructions in the book for creating Purleyetta's memory quilt so that's just what I did.
I don't have a lot of plaid fabrics in my stash but I had stockpiled some of the Munchkin and Mr HenHouse's old shirts and in they went! They were lovely to hand quilt being made of super-fine cotton.
And the sashing? None other than a reduced-price lady's top from Sainsbury's supermarket (it was even £3 when it went through the till!) It was a shocker to sew with, made with that rather flimsy cotton supermarkets like to produce cheap clothing with, and being gingham, always tricky to try to keep the lines straight but never more so than here.
The little quilt is backed with a decidedly pretty floral print in a calico style. I enjoyed the simple hand quilting which didn't actually take that long. I didn't hand baste this quilt but used a basting spray (505) to fuse the quilt layers which worked brilliantly. Using the thinnest batting you can find is the best tip for enjoyable hand quilting (Dream Cotton in request weight is good).
So there you have it. I'm pleased with the outcome but I will have to psyche myself up to make another doll. That will take oooh, at least a few days! But that's ok as I've got another quilt on the go. You probably suspected that.


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Lindsey Vonn putting off knee surgery until after Sochi
- Surgery now would take her out of Sochi Olympics
- Vonn says in the end%2C %27surgery is going to have to happen%27
- She%27s traveling to Lake Louise for downhill training
VAIL, Colorado (AP) — Lindsey Vonn is delaying further surgery on her right knee for as long as possible in hopes of skiing at the Sochi Olympics.
Vonn partially tore one of her reconstructed knee ligaments during a crash in training two weeks ago at Copper Mountain. She is seeing if she can ski without another operation because that would all but end any chance of defending her Olympic downhill title in February.
Vonn says she likely would be proceeding in the same way even if this weren't an Olympic season.
"I probably would've done what I'm doing right now, test it out," Vonn said after a training session at Vail on Sunday. "If I felt like it was possible to keep skiing, I probably would've. Either way, at the end of the season, I have to reconstruct the ACL.
"So it's kind of like, might as well see how long it holds up. Not a lot of options. In the end, surgery is going to have to happen."
On a chilly morning, Vonn took two warmup runs followed by three aggressive passes through the super-G course in her race suit, hugging the corners tight and looking quite fast. Afterward, she said her surgically repaired knee felt "really good."
So much so that Vonn will travel to Lake Louise, Alberta, this week for downhill training on a course she usually dominates. If training goes well, she will race for the first time since tearing ligaments in her right knee during a high-speed accident at the world championships in February.
"Just trying to ski solid," she said. "I'm not trying to do race runs. I'm trying to build into it. Not push it too hard. But I was still be able to be aggressive and confident in what I'm doing so that when I get up to Lake Louise I can hopefully have a good feeling right away."
As she rehabbed the knee over the offseason, Vonn was anticipating a return for the nearby Beaver Creek races this weekend. She was on pace, too, before her wipeout at the speed center in Copper Mountain in which she partially tore her ACL.
Vonn said it's been difficult to watch Lara Gut of Switzerland win the downhill and super-G races on a new course Vonn was very much look forward to trying out before the 2015 world championships.
"Frustrating to miss the race," Vonn said. "Definitely with this current situation, there was no way I could've skied that bumpy, steep course. I know it was the right decision. That gives me a peace of mind. I'm trying to look forward to Lake Louise and cheer for my team."
Asked if she planned to attend the giant slalom race on Sunday, Vonn said, "Oh, no.
"My family is leaving so I'm spending a couple of extra hours with my family. Then, I'm going to pack up and get ready for Lake Louise."
Vonn needs three wins to match Austrian great Annemarie Moser-Proell's record of 62 victories in World Cup races.


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Storing your will options in
Many people become very confused about what a will actually is. Basically, a will is a legal document that allows you to allocate money, property and possessions to individuals, groups or chosen organisations once you have died. A will really is the most important piece of legal documentation that you will sign.
Below we explore some of the options that are available for safety storing your will.
The Solicitor
Principal Probate Registry
The Registry of London can securely store your will for the fixed fee of £20. You are required to fill in a simple form with your personal details, that includes the name of your executor. Once stored, you are given a certificate of deposit.
This will need to be kept in a safe place as your executor will need it in order to retrieve your will. You can send your will via post, but you need to request a special secure envelope from them, which is free of charge.
Store in your home
You are allowed to store your will in your own home , but you need to think carefully about this option and decide if it is the best choice for you. Keeping your will at home will not protect it from fire and floods that may occur.
Your will is also more likely to be lost or stolen from your home. However, if you do decide to keep your will in your home, then you need to choose a safe keeping place and ensure that your executor knows where to find it.
A document storage company
There are now so many companies advertising that they can store legal documents, including wills, that you need to do a little bit of homework and make sure that they are the right company for you. You should check how they intend to store your will , and if they are insured for any damage or theft that may happen.
Do they keep documents in fireproof storage boxes? You also need to find out how your executor can obtain your will once you die. It is also important that you clarify the cost for the service, and if any rolling annual payments are needed.


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Martin getting more comfortable in center field
ARLINGTON -- Leonys Martin has been working on robbing a home run in the outfield, and he thought his dream came true Wednesday when he attempted to bring back a fly ball to center field from Houston's Brandon Laird.
Martin said the ball hit his glove, but he couldn't haul it in. He sat on the warning track disappointed that he missed his chance to accomplish the defensive feat.
"I felt the ball touch my glove, and if you feel the ball, you're going to make the catch," Martin said. "Someday, you never know when you're going to catch your first home run. Don't be scared, but you never know. Maybe in the World Series. Who knows?"
Martin said he works on the timing aspect of robbing a home run during batting practice and also understands where he needs to be positioned to leap against the wall.
"I thought he had a chance at it, but when he sat on the ground, I knew he didn't have it," Rangers manager Ron Washington said. "Because when you make a catch like that, you're not sitting down on the ground. You're rolling, you're jumping up having a good time."
It's a minor, and perhaps rare, detail for an outfielder to work on, but Martin feels comfortable as the everyday center fielder. He's described this season as an important year in his life to prove what he can do at the big league level. He's improved on understanding his positioning in certain situations or against certain hitters. Third-base coach Gary Pettis sat down with the rookie and showed him charts with tendencies of each batter and certain situations and explained why he'd shifted Martin around in center field.
"When Martin saw those charts, a light went off," Washington said. "For the last seven or eight ballgames, Gary hasn't had to do anything with him. He'll come and get the chart from Gary now, and he reads it himself. It took him all year to get to that point because the guy was in survival mode."


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It's a challenging time to be a CIO in an enterprise IT environment. I've seen the role evolve dramatically over the years, from chief of back-office IT to dynamic business enabler. The "I" in "CIO" could now stand for "innovation" instead of "information."
IT Transformation is one of the most daunting innovation challenges enterprises currently face. According to a recent 451 Research survey, nearly 80% of organizations need to moderately or significantly transform their IT environments to meet digital business requirements in coming years.
But what does IT Transformation really mean? At Rackspace, we think of it as bringing sense to the chaos of people, processes and technology. It's much more than moving apps to the cloud or getting out of the data center — it's a holistic reconsideration of how IT engages with and serves the business. It might involve reengineering software architectures, changing the way hardware is procured and where it runs, or taking a fresh look at how data is stored and processed.
So where do you start? And what will transformation look like? Our new ebook, "The CIO's IT Transformation Survival Guide," answers these and many other questions.
IT Transformation: The basic elements
IT Transformation is a dynamic process, and it will look different from one organization to the next. But the common goal is to move IT from being inflexible and reactive to being proactive, agile and aligned to the business. And we believe that, regardless of your hardware, software or infrastructure, the process can be divided into six actionable steps: PLAN, ASSESS, DESIGN, MIGRATE, MANAGE and OPTIMIZE.
This first step is a crucial one — it's where you figure out how to align IT and the business. At this stage, you don't have to worry about logistical challenges. Instead, think big and establish consensus on your goals and vision for business-IT alignment.
This is where things get a little more logistically challenging. The assessment phase requires you to look very closely at every facet of your environment. Our ebook will help you identify specific areas to evaluate and potential issues to look out for along the way.
Once you've assessed each area of your business, you'll need to design your approach to transformation. You'll want to be mindful of how an action in one area can impact other areas of the business. Stakeholder buy-in, education and communication are all critical during this phase.
The migration phase of IT Transformation is where the rubber meets the road. We recommend starting small and working your way toward incrementally larger projects. Of course, you have to consider continuity and contingency plans during this phase as well. And once you've completed a migration, you'll have to iron out a new management process.
As you transform your IT department from cost center to proactive business partner, you'll begin to see significant operational improvements. Fewer silos and automated processes will mean more time to focus on continuous, incremental improvements across your organization.
Avoiding pitfalls and wrong turns
In addition to outlining the key elements of IT Transformation, you'll find a chapter on mistakes to avoid. Have you clearly defined your goals? Have you prioritized them correctly? Do you have the buy-in you need, and if not, do you know how to get it?
How to know when you've arrived
Did you meet the objectives you outlined in the beginning? Have you become the service provider of choice to the business, responsively brokering the internal and third-party cloud services end users are demanding? This ebook will help you establish both short-term and long-term KPIs to measure your success.
Real-world challenges and successes
Do your challenges include sprawling IT infrastructure, a tangle of legacy applications or the need for centralized access to data? General Electric, AstraZeneca and General Motors were all facing these issues. We've compiled their transformation stories, and several others, to illustrate what real-world success looks like.
Yes, IT Transformation is complicated. But we hope that this resource will clarify the process and give you greater confidence that it can lead to true innovation in your organization. "The CIO's IT Transformation Survival Guide" is a free download, and a resource we hope you'll reference periodically throughout your transformation.


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The Treasury Department released Thursday a model agreement developed with France, Germany, Italy, Spain and the U.K. to implement the information reporting and withholding tax provisions of the Foreign Account Tax Compliance Act (FATCA). The provisions target noncompliance by U.S. taxpayers using foreign accounts.
The model agreement has two different versions: a reciprocal version and a nonreciprocal version. Both provide a means for foreign banks to report financial account information to their own tax authorities, with such information to be automatically exchanged under existing bilateral tax treaties or tax information exchange agreements.
Both versions of the model resolve legal issues that were raised in connection with FATCA; they also simplify its implementation for financial institutions.
The reciprocal version, which is available only to partner countries—jurisdictions with which the U.S. has an income tax treaty or tax information exchange agreement in effect—not only provides a means for foreign banks to report on the assets held in their institutions by U.S. citizens, it also allows the IRS to share taxpayer information with a foreign government about its citizens' assets held in the U.S. Congress must approve the use of the reciprocal agreement.
For the reciprocal version to be used, the Treasury Department and the IRS must already have determined that the recipient government has provisions in place to maintain confidentiality of information and that the data provided is used only for tax purposes. It also includes a policy commitment to pursue regulations and support legislation to provide equivalent levels of exchange by the U.S.
The nonreciprocal version governs a one-way transmission of information from the foreign country to the U.S., without receiving any data in exchange.
Banks in countries that do not make arrangements with the Treasury Department will instead have to report client tax information directly to the IRS. Banks that fail to share client information with the IRS could be assessed a withholding tax of up to 30% beginning in 2014.


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I can smell something burning in the distance.
A mass of humanity pushes and pulls aimlessly.
Starving people surround me.
Police in riot gear should be here, with tear gas and water cannons.
But no one comes to help.
I tell myself "this can't be America"
But it is.
I tell myself "this can't be my hometown"
But it is.
It's school fundraiser night at Local Buffet.