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When I imagine the moment I arrive in Heaven, my mind paints a breathtaking picture of white fluffy clouds, a massive silver gate where angels greet each new arrival with a pleasant smile, streets lined with gorgeous houses with wrap around porches, and magnificent trees – which I'm sure are blooming with perfectly ripe avocados all year round! I smell the ocean breeze, obviously, and feel the warm sun on my face. I then realize that just as promised, my body is healed and whole! I walk without pain or exhaustion and experience no worry or fear! It is truly magical and stunning!
Shortly after arriving, I am given the opportunity to spend some much anticipated one-on-one time with my Savior. I anxiously await the time that I am able to thank Him for keeping His promise of healing and restoration; and there are, of course, some very important questions that I have carefully retained from my years here on earth.
First and foremost, it is imperative we finally get an answer to the ever-so-famous questions like "Did Adam have a belly button?" or "Why did You let mosquitoes on the ark?"- Don't lie! You want to know too!
Though some questions are trivial and may seem silly, I also anticipate asking harder and more theological questions such as "How is it possible that Jesus was 100% God and 100% man?" "How was He always existent even before life was created?" "Can You explain the Trinity? PLEASE!" I will ask if He really cared as much about the insignificant details of legalistic Christianity that have been placed on religion. I am confident that His answer will be that He didn't focus as much on if we had a drum set or wore a pair of jeans in church, as much as He was concerned about our hearts behind worship.
Though these are all questions that I imagine I will cover rather quickly, the question I can't wait to ask is this- "Father, what did you see in my life that made You choose me to carry the burdens that You did?" I am curious to His answer. Will He reply that my faith needed to be grown and pruned into something beautiful; or did He choose me because He was convinced that, like Job, I would remain faithful until the end? Or was it because someone in my path needed to see me walk through a trial in order that their walk with God would be sparked or re-ignited?
I realize that I will not receive the answer to this question until I am face-to-face with my Savior; however, I wonder if I understood His reasoning in the present day, would I choose to live my life on earth differently?
Would I strive to live up to what it was that He saw in me? Would I accept my situation as I now realize that it was simply to make me a better version of myself? Or would I do a better job as a witness of God's love, strength and power within me?
Since I have no way of getting a definitive answer prior to my transition to Heaven, I am choosing today to live out all of the above. I intend to live as though He looked down from His seat in Glory, picked me out from a crowd and said "Oh, I choose Emily because she won't quit. She will give Me the praise and honor through it all!" I also want to walk this journey believing that my faith needed to be strengthened, my trust needed to be enhanced and my joy needed to be increased. Additionally, I want to be the best version of a Christ follower that I can, so that when others observe me they are observing an authentic endorsement of Christianity.
It has been said that "Your life may be the only Bible some people will read." If that is the case, are they reading an accurate representation of what it says? This is convicting and should be at the fore-front of our minds and hearts daily.
So, until I reach Heaven's gates and sit at the feet of my Father, and am given the opportunity to receive my much-desired answers, I will live as if I already know.
I challenge you, whatever your situation is that causes you to wonder why God chose you to carry it, live as if you already have the answer!


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Vocus Announces Q1 Earnings, Global Acquisitions, New Social Media Product
PR software vendor Vocus, Inc. (NASDAQ: VOCS) reported first quarter 2010 revenue of $22.3 million, a 9% increase over the same period last year. However, the company also posted a net loss for Q1 2010 of $579,000, compared to $478,000 for the same period last year. The losses are slimmer than Vocus' Q4 2010 loss of $821,000.
Vocus announced two acquisitions: BDL Media Ltd., a provider of on-demand public relations software and services in China, and Datapresse, a leading provider of media content and on-demand PR software in France. Both were privately held.
Vocus spent $10.8 million on Datapresse, while terms of the BDL Media deal were not disclosed, although Vocus CEO said BDL has less than $1 million in annual revenue. The companies have a combined 2,100 customers and $6 million in annual revenue.
"We're now seeing some good stability in our end market…underscored by solid bookings both in renewals and new business," said Vocus president and CEO Rick Rudman on a conference call.
The acquisitions are not surprising.
Vocus CMO William R. Wagner told PRNewser in December 2009 that potential acquisitions could include international expansion, or a "customer buy," in which the company would acquire a similar service or company for their customer base.
In addition, Vocus announced a "social media product" to be launched in a limited release in May and general release in June. The product will enable listening, analysis and engagement capabilities for brands in social media.
"The Vocus social media product will also report on tone of conversations and key influencers driving those conversations online," said Rudman. Based on this description, the product will compete with existing offerings including Radian6 and Scout Labs.
Rudman did not mention competitors by name but said, that there are "dozens" of companies Vocus could technically compete with. The new product will cost about $3,000 per year for smaller organizations and could go as high as $25,000 and up for larger organizations. Rudman said the product will be "priced based on volume, based on social media mentions."
Vocus will have 1,000 to 2,000 customers on the free trial of the product. "In a year's time, we will be one of the leaders in the social media landscape," said Rudman.

subset: commoncrawl


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Fashion Week Beauty Must-HavesSeptember 13, 2014 - 44 Comments
New York Fashion Week is officially over but we still have London, Milan, and Paris and although I won't be doing all four (just NY and Paris), when Byrdie asked me about my travel skin products, I thought I'd share them here too!
As soon as I checked into one of my favorite hotels in New York, the Dream Downtown, the first thing I like to do it unpack my beauty products.
For everyday, I use Vanicream and My Daily Dose Serum from Skin Inc to moisturize. Vanicream was actually recommended by a dermatologist. I have eczema so the lotion is really calm and soothing for my sensitive skin since it doesn't contain any parabens or scent. My Daily Dose Serum is customized for my skin so it contains Ceramide, Hyaluronic, and Licorice which all help dehydrated skin.
To hydrate, I use La Mer Crème de La Mer Moisturizing Soft Cream, Skin Inc Deepsea Hydrating Mask, and my EOS Lip Balm. I try to use my La Mer really sparingly because it's quite pricy but whenever I have any redness, this cream works like miracle. I use the Deepsea Hydrating Mask at night when I feel like my skin needs some loving and sometimes fall asleep with it on.
To prevent, I like to use Clinique Repairewear Laser Focus Eye Cream. I tend to smize (smiling with your eyes) a lot so to prevent crows feet around my eyes, I like to use this eye cream.


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At Coulter Roache we build insightful legal partnerships to help you meet the challenges of today while planning for tomorrow.
Awareness, agility, confidence – we give you what you need to make sound decisions and prosper in a modern, ever-evolving business world.
We maintain focus and drive results. Whether you are a large corporation, a government entity, a small business, a family or an individual, you'll benefit from our deep experience and personalised approach.
We listen. We learn. We get to know you, your business and your objectives. We view your legal challenges through an expert commercial lens and deliver advice and insights to keep you in control. With the right knowledge and understanding, you create the future with confidence.
From our regional heart in Geelong we service national partnerships. Our team of nearly 70 professionals provides diverse expertise across multiple industry and private client sectors. We work from six locations to give you greater access and responsive advice when and where you need it.
Coulter Roache has been serving Geelong's commercial community for more than 80 years. Our purpose is to assist and empower the businesses of Geelong to prosper and carry the region into a new era of economic success. We are embedded in the fabric of the region and proudly support our community via pro bono services and sponsorships for community organisations and events.
Our story
At Coulter Roache, we trace our origins back to 1935 when Frank Gargan embarked as a sole practitioner. In 1969 Kevin Roache joined Frank to create Gargan & Roache, which merged with Coulter Burke in 2002 to become Coulter Roache Lawyers.
By investing in our people and our processes, we have become a leading law firm known for providing exceptional service. Our reputation draws talented lawyers and sharp young minds to work with us. Today we use the latest technologies to learn and develop our expertise, manage knowledge across locations, share our insights and communicate with our clients.
Community partnerships
Sharing our resources and expertise is more than a social obligation. It's who we are.Find out more
Geelong Cats partnership
Coulter Roache is the official Corporate Hospitality Partner of the Geelong Cats.Find out more


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How to Reverse Tailor's Bunion July 25 2018
Ahh, the tailor's bunion. Small, but painful. A fact of life for many of us who wear uncomfortable shoes or deal with things like arthritis. Now, tailor's bunions don't happen as often as normal bunions, but the symptoms and causes are fairly similar.
The toe deformity comes from the days of old. Centuries ago, tailors would sit down at their chairs all day, sewing away, cross-legged. As such, the outside of their feet would rub against the ground all day. Eventually, the constant rubbing would lead to a painful bump on the base of the pinky toe.
While these little bunions, sometimes call bunionettes, are painful, there are plenty of options for those who are seeking relief. Here are some signs you might have a tailor's bunion and what to do if you're dealing with a big problem for your little toe.


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Shortcut to this page: www.chapman.edu/registrar/forms
It is recommended that you save a copy of any form you mail in for your personal records. To enable the updatable forms to work properly, please use the latest versions of the free Acrobat Reader software, or open the forms using Internet Explorer or Google Chrome.
All forms must be submitted by the student in person at the Office of the University Registrar with a photo ID, via Chapman email, or directly from the department.
**Updatable PDF Forms: To fill out, key-in the required information before printing. Use Adobe Acrobat. Mac Preview and other applications will not store information correctly. Tab over to each field, or click on each item to update. Print the form, sign it, then submit.


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This hilarious promo for the final season of CBS's How I Met Your Mother takes the show's weird framing device to its logical and deeply unsavory conclusion. The premise of the show is that our narrator, Ted, years from now, is actually telling his kids the extremely long-winded story of how he met their mother. Thing is, the show's been on for eight years. So, if you think about it, Ted has spent all that time recounting an endless series of women he slept with while his kids were trapped on the living-room couch. In this bleep-laden promo, Ted's adorable children, now surly teenagers, point out that in the past eight years they've gone through puberty, survived by crapping in a bucket, drinking rainwater and eating spiders, and are starting to have disturbing feelings of sibling lust—and he still hasn't gotten to how he met Mom. As the series finally ends, all of us, but especially Ted's kids, are excited to hear the motherf**king ending. The final season premieres Sept. 23.
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Prohibited substance cases under FEI anti-doping rules
The FEI has announced two adverse analytical findings involving prohibited substances.
The cases involve the use of Sparteine and Paracetemol, which are *Banned Substances under the FEI's Equine Anti-Doping and Controlled Medication Regulations (EADCMRs).
The athletes listed below have been provisionally suspended from the date of notification (18 April 2017) until the FEI Tribunal renders a decision. The horses, also listed below, have been provisionally suspended for two months:
Horse: Blaze of Glory II (FEI ID 103LD21/GBR)
Person Responsible: Henry Turrell (FEI ID 10012428/GBR)
Event: CSI3* – Vilamoura (POR), 6-12.03.2017
Prohibited Substance: Sparteine
Horse: Chanel Van De Zeshoek (FEI ID 103GA48/RSA)
Person Responsible: Jeanne Engela (FEI ID 10073226/RSA)
Event: CSI1*-W – Polokwane (RSA), 31.08-04.09.2016
Prohibited Substance: Paracetemol
Details on these cases can be found here.


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I think there's a time and a place for everything. It is the best thing that can become whatever we feel is necessary in our lives, the most important of all things, that of working through friendships and relationships, and taking it all in to deduce what's right and just to make the best of things. If I'm wrong, tell me. If not, then allow me to continue…
I have been in this situation since last September (2012) and have been working to a culmination of various things, hoping that my decision is true and just for what I believe to be the crowning factor in what's been a lie for over 20 years! Nothing I have done or said to anyone has really been to hurt them, but to enlighten them to the fact that I'm pursuing a drastic change of lifestyle and demeanor. I never wanted those I considered my friends and family to turn their backs on me, snub me like a murder convict or as the "Scum of the Earth", but that's what happened when I told my former landlord, my former fiancee and a few (whom I considered) of my closest friends. I felt like just abandoning life, running for the closest place I could to get away from everyone, and take my own life. …
I refused! I told them, in my own way that I am just a human being. I feel just like YOU! I hurt just like YOU! I bleed just like YOU! I want my human rights just like YOU! YOU'RE giving me nothing but anguish, hating me for my views and telling me off like I'm some kind of circus or sideshow freak! I'm sorry that I'm not Lobster Boy or the Bearded Lady! (ALL of these sideshow "freaks" were HUMAN, TOO, with FEELINGS and FAMILIES! It was NOT their fault that YOU exploited them for YOUR sick and twisted amusement!)
Where have I gone wrong? What have I done to deserve this kind of treatment? I keep asking the same damn questions and I keep coming up with the same conclusions: not a damn thing! I know I'm just having problems with certain people and that they happen to get their facts tangled, then blame me for their misdirection. It makes me feel like they're trying to sabotage any relationship (friendship or business relationship) what we may have. I struggle every day with acceptance and understanding for my acclimation and transition, but when that challenge is itself challenged, I tend to be defensive and unwilling to listen to anything these other people say– nothing– and I usually tune them out (or hang up on them, whichever is more convenient).
It kills me that there's a bunch of ignorant and belligerent people who believe society is the way everything should be. It also bothers me that there's too many people who also think we have a binary gender system. Not anymore! All forms should have a list of choices for a person's Gender: Male, Female and Other! This way, you don't have to put yourself into the general binary gender system. Why are there so many who fear us? I've not done anything to anyone calling themselves Male or Female, nor have I caused them any harm. I don't really care what you call yourself, but I am a woman and I am that way because it's not about the sum of my parts, but how I perceive and identify myself. You no longer have control and I believe that's what frightens you: your society keeps telling you you're doing the right thing, when obviously you're not!
But how does my gender identity frighten you, when it's not about you and how you feel? "I think, therefore I am," is a quote from some historical great thinker. It makes some sense, but it belies a much deeper meaning than just those five words. "I exist because I think." … "I exist because I can think." … "I exist because I choose to think." The fact that individuals can understand being is knowing and that knowledge is power should take to the streets and assist us in our personal struggles, where I believe that's the stuff the flock is looking out for that makes them afraid of those who are like me, my brothers- and sisters-in-arms, and our supporters. Why should they be afraid of us? Sweden and the UK, even Ireland and Russia, Thailand, Japan, China and Canada all have transgendered and intersexed citizens, why can't we? Why do we not rate among the World Society? As US citizens and many of us hold professional positions, vote, and pay taxes, why can't we get the care, the medications and the services we need to help us become whole?
Fear. That's all it is… Simple fear. The politicians are scrambling to quell the onslaught of our LGBTQ community, though a healthy smattering, 30 to 35%, cross-dress or are closet homosexuals. Another 2 to 5% are hiding their transgender status. Yet another 1 to 3% are stating one gender when they are truly intersexed. It all comes down to societal fear, and the yearning to be a generic normal. Newsflash: there is no generic or societal normal anymore! I am a single member of this great nation, the US of A, and I am a single member of the LGBTQ community, through no fault of my own, and I am proud to be who I am and not the sum of my parts!
Knowledge is Power. This has been blasted into me since I was old enough to read, write and comprehend! I know many of us are Christian in some fashion, and that some of us are of other religious systems, but what bothers me most: I see many of you harboring a deep-seated resentment or hatred for your fellows in religion. Don't call this a Holy War! God made His flock in His image to help us to mend what we've broken, love unconditionally, and to never hate and envy our neighbors! If you're not religious, then it's all to perpetuate love and kindness to all! Karma can be well-deserved in any form it chooses, Good or Bad, benefiting or hurting whomever had made their choice. I consider myself Wiccan and Christian, as both are symbolic of a Greater Love and Affinity for Life! I would hope you, as fear-seekers, would just stop being prejudicial against what you don't understand, open your minds and hearts to what we're trying to explain, and allow our message to help guide you to be more understanding to what we are asking, as a whole, ending the violence and anti-LGBTQ policies and bills that you are trying to pass into law. Allow us our freedoms and we will show you just how much like you we truly are!
Consider this. I blog when I have been unjustly blasted, either verbally or physically, by someone I thought I could trust. I cannot stand idly by and let people do this to me, nor can I delve into the possibilities that would compromise our collective safety, but I will notify and work out the pain, hurt and transgressions I feel, openly and with those of you who can honestly say "Hey, I know You! I've been there. … How can I help?" I am working through an exceptionally tough time right now and I want anyone who reads my blogs to, at least, have some kind of awareness that I am in need of assistance. Nothing is needed more than to get "my transition on". I have few options, minimal funds and a loving wonderful family (family, friends and associates whom I consider my extended family) who are struggling as we all are in this horrendous economy.
I am looking toward alternatives for getting what I need for my transition, but I am seriously struggling in every aspect: naysayers, non-believers and the prejudiced. I put them out of my mind and take matters into my own hands (non-violently, of course). I need more than just assistance: I need more caring and loving friends, colleagues and acquaintances. We all do. My brothers- and sisters-in-arms do as well, and there's almost no help for us medically… Why? Politicians and hateful/prejudicial Christian fear-mongering. That's all it is. If someone at work is part of our LGBTQ community, then pull her aside, say something kind to her, and rally behind her when she needs it most. Take up your pens and write to your state representatives to start more LGBTQ initiatives; help us get he medical treatment we need, the health assistance we have the right to, and bolster us when we fall.
I just want all of us to be happy and healthy. Why can't we?


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Japan – the Strange Country is the thesis project reel by graphics designer Kenichi Tanaka. It is such a delight to watch. This 11 minute video shows the different aspects of the Japanese life through lighthearted motion infograph. It's not just eye-candy, but also quite informative. I did not know Japanese waste that much food. I wasn't surprised by the number of love hotels though.
Amazing animation, so much love for detail. Thanks for sharing!
A great video, really enjoyed it .. I was especially enthralled by the ultra-heavy to light font transitions in the titles..
and you have to admire the amount of information that's in it … it's not as if it could all be found in the one place — I'd imagine a lot of reading and searching had to be done to find each little bit of information, and then figuring out a way to transition smoothly from one fact to the next would have been quite a challenge.
thanks for sharing :)
Great post,
I really enjoyed watching it! I think the Japanese forget where real food and water comes from, especially in Tokyo, and where the waste products go so they don't care and are wasteful, which is sad. I think the Japanese are great in some ways but in others they need to grow up a little.
Most of the video's information wasn't new to me, but it was presented in an excellent format.
Thanks for posting that, I enjoyed it!


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Community literacy: schemes and legal services
The documents available below constitute IEC developed under Project Svavritti, Facilitating Access to Social Protect and Legal Services for People living with HIV/AIDS, Women who sell sex, Transgender women and other gender/sexual minorities, and People who inject Drugs in Eight States of India.
EU Delegation visit: Manipur 23 February 2015
In what was deemed as a historic visit, a 10 member delegation of the European Union visited Manipur and other Northeast States in February 2015. The visit was co-ordinated by Anne Marchal, First Counsellor, Head of Political Affairs, European Union, India. Top diplomats from Austria, Poland, Spain, Slovakia, Sweden, Finland, Belgium, Germany and Luxemburg were part of the delegation. The visit highlights the importance of the states in the North Eastern region in the India story.


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If you began reading this blog post with another question in mind, you're not alone. Rather than wondering if a smart meter will work with a solar PV array, you might instead be wondering: "What is a smart meter?" You can read this post to find out more about these devices.
You might also view this videofor a lighthearted look at this very serious topic. The misconceptions about smart meters would be funny if they weren't so scary. Smart meters are really only smart for the electric company, and the public needs to be educated about this fact.
Smart Meter Myths and Misconceptions
When states first rolled out smart meters, there were a lot of myths, misconceptions and glitches. We'll address two of those misconceptions in this blog post.
First of all — no, the microwave radiation emitted by smart meters probably won't fry your brains, give you cancer, or cause other horrible health problems. Any evidence of the danger of EMF (ElectroMagnetic Frequency) radiation is inclusive, but a smart meter emits no more — and probably less — radiation than your smartphone. And it's not like you're going to spend hours sitting in front of your smart meter soaking up EMF waves.
Solar Arrays and Smart Meter Glitches
So, smart meters are probably as safe as any other technology we use today in terms of EMF radiation. But will they work with your solar array? When the technology was first introduced, smart meters did not always work with solar panels.
Smart meters are basically computers, and they hadn't been programmed to know what to do when electricity was fed back into the grid. Instead of "spinning" (of course, there's no dial to actually spin) backward to give users energy credits, they kept going forward — twice as fast.
This led to disturbing moments as new solar homeowners promised lower electric bills got bills double the usual amount instead. That glitch, however, was fixed quickly with new programming, but not before rumors about smart meters' incompatibility with solar arrays spread, further fueling people's dislike for the devices.
Be aware: If you use solar energy, the smart meter issued to you should have a sticker reading "net" — this means the meter has been programmed to run backward and credit you in kilowatt hours for the electricity you feed back into the system.
With the new programming in "net" smart meters, not only do the smart meters work fine with a solar installation, but a solar PV array helps you make sure your meter is working smartly for you. Stay tuned as we show you how to leverage time-of-use billing with a smart meter and a solar installation.


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Flagstaff Utilizes Smartphone Data To Map Traffic
Flagstaff is using smartphone data to help map traffic and bus routes in the city.
Many smartphone applications have the option to have location services on. When location services are on, app companies can sell this information, known as "big data."
Kate Morly is with the Northern Arizona Intergovernmental Public Transportation Authority (NAIPTA). She said Flagstaff is one of the first cities to utilize big data.
"We use it for the longer term planning about where we want routes to go. In the future we typically will do a service update once a year in August, so right now we're planning for those August changes"
Morly says they are interested in knowing travel times between places, general origin, destination and historical information. She assures that big data only provides the number of people commuting, not any identifying information.


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Injuries, fading performances shake lineups up across NBA
When a player has a significant injury, one of the first questions asked in fantasy leagues is who should be picked up while he's out. Usually it is the player's backup who is the major beneficiary, both in terms of playing time and statistically. However, an injury to Marcus Camby this past week showed us that it's not always the backup who benefits. For the Blazers, Camby's injury forced the team to alter their approach and play with a smaller rotation. As a result, the best waiver wire addition this week is not a big man at all, but Portland's backup shooting guard.
Rudy Fernandez, SG, Portland Trail Blazers
When it was discovered that Marcus Camby had a partial medial meniscus tear in his left knee last week, his backups Joel Przybilla and Dante Cunningham became popular additions in fantasy leagues. However, it is Fernandez who has really benefited from Camby's injury, despite playing a completely different position. In the four games since Camby injured his knee, Fernandez has put up double-digit scoring numbers in every game and has averaged 13.5 points, 2.3 threes, 4.5 assists and three steals over that span. His minutes have jumped up from the low 20s to more than 30 a game, and for the first time this season he's contributing in whatever capacity the team needs (he recorded a season-high eight assists in a game Andre Miller left due to illness, for example). Fernandez should continue to soak up a lot of Camby's minutes as long as the Blazers play small with LaMarcus Aldridge seeing some time at center.
Marcus Thornton, SG, New Orleans Hornets
Going into the year, many expected Thornton to improve on a solid rookie season. Instead, he not only lost his starting job to free agent acquisition Marco Belinelli, he was buried deep on Monty Williams' bench for most of the season. But over the past week, Thornton has seen his playing time increase to the 20-25 minute range and has responded with games of 17, 11, and 18 points while shooting 67 percent from the field. Some of his minutes have come in garbage-time during blowouts, but he did help lead the Hornets to an overtime win over the Grizzlies last week. Thornton is easily outplaying Belinelli now and he's worth at least keeping an eye on to see if he can maintain some consistency for the first time this season.
Omri Casspi, SF, Sacramento Kings
Francisco Garcia is out indefinitely after aggravating a calf injury in practice. In his absence, the bulk of Garcia's minutes have fallen to Casspi. The second-year forward has been in a shooting slump most of the season and is a combined 9-for-28 over the Kings' last two games. Expect some huge games from Casspi this week if he can get his shot to start falling. Even if he can't, Casspi can still fill up the box score in other ways as shown by his 11-rebound, two-three, two-steal game against the Blazers on the 19th.
Ryan Anderson, PF, Orlando Magic
Stan Van Gundy has said that Rashard Lewis and Anderson are completely different players. He's right -- over the past couple of weeks Anderson has been everything that Lewis was supposed to be but wasn't before he got traded to the Wizards. The one similarity is that Van Gundy is using the 22-year old 6-10 power forward in Lewis' old role as a stretch four and he's responded by hitting 40 percent of his threes this season. Over the last five games, Anderson is averaging 16.8 points, 7.8 rebounds and 3.4 threes in slightly less than 30 minutes a game. While he is not going to get any more than 25-30 minutes playing off the bench behind Brandon Bass, Anderson has been one of the more efficient players in the league for fantasy purposes.
Joel Przybilla, C, Portland Trail Blazers
Przybilla and Dante Cunningham have issues that prevent either of them from being absolute must adds in the wake of Camby's injury. Cunningham is undersized for the center position, and other than the occasional blocked shot, he doesn't contribute much in the way of fantasy stats. Przybilla, who has started the team's last two games, was trying to slowly work his way back from his own injury when Camby got hurt. Still, Przybilla has put up decent numbers in the past when he's been healthy. Here are his per 25-minute numbers from last season (since he's only seen limited action so far this year):
2009-10 (Per-25) Averages: 4.5 PTS, 8.7 REB, 0.3 AST, 0.3 STL, 1.5 BLK
That line demonstrates that Przybilla is a very good rebounder and shot blocker. It also represents his best case scenario as the team will try to limit his minutes in an attempt to keep him healthy and on the court. Przybilla is not going to score much, but If you are looking for a replacement for Camby, he is a much better fit for fantasy teams than Cunningham provided he can stay healthy.
Nazr Mohammed, C, Charlotte Bobcats
The already-thin Charlotte frontcourt was dealt a huge blow when it was announced that Tyrus Thomas would miss two months with a tear in the lateral meniscus of his left knee. That puts the Bobcats in a difficult position because they don't have any obvious replacement for Thomas. Instead, the team will lean heavily on starters Gerald Wallace and Boris Diaw over the next couple of months. Kwame Brown has seen his ownership rise, but we have 10 years of evidence to suggest that relying on Brown for any length of time will lead to disappointment. Instead, look to Mohammed as a solid, if unspectacular, replacement in deep leagues. Over the Bobcats' last two games, Mohammed has averaged 12.5 points, 7 rebounds and 1.5 blocks in only 21 minutes a game. They might be completely different players, but those are similar numbers to what Thomas has done this season.
Marcin Gortat, C, Phoenix Suns
With Robin Lopez quickly becoming invisible on the court, the Suns have been relying more on Gortat off the bench, and he has double-doubled three straight games while averaging 13 points and 13 rebounds a game. Gortat had shown the ability to score, rebound and block shots even when he was Dwight Howard's backup on the Magic, but since being traded to the Suns last month he has gotten the opportunity play a significant role for the first time in his career. Gortat is still coming off the bench behind Lopez, but he has been getting nearly twice the minutes and is a must add in all leagues at this point.


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"We did it!" Announcement of Accreditation Status
We are pleased to report to you that Silver Circle – West Toronto Services for Seniors (SC-WTSS) has been accredited for a period of three years for its Adult Day Services, Case Management and Home and Community Services programs. This is the first Three-Year Accreditation that the international accrediting body, CARF, has awarded to SC-WTSS.
By pursuing and achieving accreditation, SC-WTSS has demonstrated that it meets international standards for quality and is committed to pursuing excellence.
This accreditation decision represents the highest level of accreditation that can be awarded to an organization and shows our organization's substantial conformance to the CARF standards. An organization receiving a Three-Year Accreditation has put itself through a rigorous peer review process. It has demonstrated to a team of surveyors during an on-site visit its commitment to offering programs and services that are measurable, accountable, and of the highest quality.
SC-WTSS is a not-for-profit organization that has been providing Adult Day, Case Management and Home and Community services in the West Toronto area since 1985.
CARF is an independent, nonprofit accrediting body whose mission is to promote the quality, value, and optimal outcomes of services through a consultative accreditation process and continuous improvement services that center on enhancing the lives of persons served. Founded in 1966 as the Commission on Accreditation of Rehabilitation Facilities, and now known as CARF International, the accrediting body establishes consumer-focused standards to help organizations measure and improve the quality of their programs and services.
We believe our organization is a valuable asset, and our CARF accreditation underscores our commitment to the community we serve.
Join in our celebration on Friday, June 21st between 8 and 10am at our Adult Day Services.
We will be hosting an Open House with a delicious pancake breakfast and you can learn more about our accredited Adult Day Services, Case Management and Home and Community Services. Please call Agata for more information at (416) 653.3535 Ext. 229.


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CLEVELAND, Ohio -- Call it the troubled bridge over crooked waters.
The West Third Street Lift Bridge will be closed for five months or more and needs repairs approaching $1 million, city officials say.
The shutdown thwarts an average 5,800 drivers a day who use the iconic bridge.
The span has seen even more traffic since Interstate 90 construction started, said downtown Cleveland Councilman Joe Cimperman.
"It's such an important artery," said Cimperman, who has fielded several dozen complaints since the bridge closed nearly two weeks ago.
"It's an economic detriment when it's not fixed and an economic benefit when it is," Cimperman said. "It's an absolute frustration. I know the city is working on it."
Frustration stems from the fact that the bridge underwent a $20 million-plus renovation less than five years ago.
The 200-foot span lifts 100 feet into the air over the river, to allow vessels on the Cuyahoga River to pass. The bridge uses massive counterweights housed in 130-foot-tall towers on each bank.
Since 2007, the bridge has closed 33 times for issues other than maintenance, said Richard Switalksi, manager of the city's Division of Engineering and Construction. And the rate of problems increased in recent months, he said.
The city is researching whether nagging problems stem from issues unresolved since the 2007 renovation.
The Ohio Department of Transportation oversaw the construction, while the city bid out the renovation's engineering and design.
ODOT signed off on the work done by the contractor, Walsh Construction of Chicago, despite the city's misgivings, Ken Silliman, Mayor Frank Jackson's chief of staff, said in an interview this week.
"While we did not appreciate how extensive the problems were, the city back in 2007 felt that there were enough issues that the work should not be accepted," Silliman said.
Neither ODOT nor Walsh officials could be reached for comment. Walsh is leading the construction of the new Inner Belt Bridge.
Problems could also be rooted in the engineering and design of the renovation, which included replacing the span and installing new mechanical and electrical systems, city officials said.
Previous Plain Dealer coverage
- Cleveland wants to study if lift bridges can operate remotely (
- Three bridges in Flats to undergo renovations and painting this summer (
- West Third Street lift bridge will be painted three years after it was renovated (
But the designer, West Carroll Bergmann, no longer exists, Silliman said, complicating efforts to find responsible parties.
"So there is still some legal review needed to sort all this out," Silliman said. "But the approach we're taking right now is to as quickly as possible get the problem fixed, and sort out the legal issues simultaneously."
Bergmann Associates, an engineering and architecture company based in Rochester, N.Y., set up a short-term partnership with the WestCarroll architectural firm in the Toledo area to go after road and bridge projects, spokesman Vince Press said.
That partnership ended years ago, he said. Those who managed the bridge work for Bergmann are no longer with the firm, Press said.
He said he was not aware that the city has raised any issues with Bergmann about the West Third Street Bridge project.
Kevin Carroll, a principal with WestCarroll Architecture, said the city has not raised any issues with his firm about the project.
City officials said the bridge is plagued with multiple problems, including:
* Loose power and communication cables from the operator's house to the bridge's two towers.
* Damage to devices that show how far the span has lifted.
* Excessive wear on brake pads and drums that are part of the lifting system.
* Fuses that consistently blow when the span lowers.
The city hired a consultant to report on the scope of problems and needed repairs.
The city turned down a Plain Dealer request for the report.
"It was prepared in anticipation of litigation and as such, it is subject to attorney-client privilege," the city said in an email.
The city is estimating $200,000-plus for design of the repair work and $750,000 for the construction.
The city will probably have to delay other bridge-repair projects to pay for the bridge fix, Silliman said.
The bridge renovation has been a money pit. Originally estimated at $16 million, the reconstruction eventually hit $28.57 million. ODOT covered 80 percent of the cost and the city 20 percent.
The project gained forehead-slapping notoriety in 2006 when new cables that lift and lower the bridge were three feet short, so the bridge couldn't be lowered all the way.
The bridge saga has resulted in the city pursuing new approaches on infrastructure projects, Silliman said.
The city has adopted more-rigorous standards in hiring bridge design firms, he said. West Carroll Bergmann was hired under the administration of former Mayor Michael R. White.
Secondly, Silliman said he did not favor "dual" contracting, with the city overseeing the design and ODOT the construction of the bridge renovation. The city would like to oversee both functions on future work with ODOT, he said.
The bridge's closing is a clear burden for nearby businesses, said Jim Cox, executive director of Flats Industry Association, which represent 40 businesses.
It means longer trips, lost time and higher fuels costs for companies whose trucks haul fuel, stone, glass and other materials.
"Everyone was so pleased with the new bridge," Cox said. "They replaced everything, so everyone is wondering how you can pay all that money and still have problems."
To reach this Plain Dealer reporter: firstname.lastname@example.com, 216-999-4695


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June 18, 2010
Political Activism?
"Dear Mr. Wilson: I am in a quandary. Do you think Christians should become involved in the political unrest that is brewing in our country? I believe our country is in serious trouble. I also believe that we are facing several problems that will require painful solutions. I am wondering what I can do, if


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Food enzymes
Enzymes are protein molecules that are present in all living things. They speed up and target chemical reactions, in many cases increasing the rate of reaction millions of times. For example, they aid digestion, metabolise and eliminate waste in humans and animals, and play a crucial role in muscle contraction.
Enzymes have been used unknowingly in food production, e.g. dough making, for centuries. They can be obtained by extraction from plants or animals or by fermentation from micro-organisms. They are usually purified but may contain varying traces of the other naturally occurring constituents of these three sources. They are normally added to perform a technological function in the manufacture, processing, preparation and treatment of foods. Examples include enzymes used to break down the structure of fruit so that manufacturers can extract more juice, or to convert starch into sugar in alcohol production.
Historically enzymes are considered to be non-toxic and not of safety concern for consumers since they are naturally present in ingredients used to make food. However, food enzymes produced industrially by extraction from plant and animal tissues, or by fermentation of microorganisms, are assessed for safety.
The risk assessment of food enzymes is carried out by EFSA's Panel on Food Contact Materials, Enzymes, Flavourings and Processing Aids (CEF). In 2009, the CEF Panel published guidance to applicants on the data needed for safety evaluation of food enzymes. This explains the format of a formal application for the safety assessment of a food enzyme, the administrative and technical data required, and the range of toxicological tests generally required. Among the data required, applicants must submit information on the identity of the source materials, the manufacturing process, an assessment of dietary exposure and toxicological data (except in those cases outlined above). In 2011, EFSA published a supporting explanatory note that further clarifies and provides practical examples of data requirements.
In relation to EFSA's Qualified Presumption of Safety (QPS) list, the Authority would like to receive information, at the earliest possible moment, about any micro-organisms either already on the list or for possible inclusion on the list that are also likely to be submitted as part of a food enzyme application. Information, including the microbial strain used for enzyme production and the intended use, should be sent to: FIP [at] efsa.europa.eu.
Main work in progress
Mandates for food enzyme applications
- CEF Panel and its working groups
EFSA has two main functions in relation to food enzymes:
- Evaluating all enzymes currently marketed or intended to be marketed in the European Union (EU) during a submission period defined by EU legislation.
- Assessing applications for the authorisation of new enzymes after an EU list of approved enzymes has been established.
EU framework
Previously, food enzymes other than those used as food additives were not regulated at EU level or were regulated as processing aids under the legislation of Member States. Only France and Denmark have required safety evaluations for enzymes used as processing aids before they could be used in food production.
Due to differences between national rules on the assessment and authorisation of food enzymes, new EU framework legislation on food enzymes was adopted in 2008. This legislation has the aim eventually to establish an EU list of enzymes. Until such a list is established national rules on the marketing and use of food enzymes and food produced with food enzymes will continue to apply in EU countries.
Regulation EC 1331/2008 introduced a common approval procedure for additives, enzymes and flavourings used in food. Regulation EC 1332/2008 harmonises rules on enzymes used in foods in the EU and requires the submission of applications for authorisation of all existing and new enzymes prior to their inclusion in an official EU list of approved food enzymes at a future date. This legislation requires EFSA to evaluate the safety of all these food enzymes before they can be authorised in the EU and added to the EU list. A food enzyme will be included in the EU list if it does not pose a health concern to the consumer; there is a technological need for its use; and its use does not mislead consumers. Labelling requirements for food enzymes are covered by Directive 2000/13/EC and Regulation EC 1332/2008.
The timeframe and the data requirements for submission of applications were established by Regulation EU 234/2011. This regulation establishes a submission period for existing food enzymes starting from 11 September 2011. The deadline for submitting such applications was extended from 24 to 42 months (11 March 2015) by Regulation EU 1056/2012. A further amendment by Regulation EU 562/2012 introduced the possibility of grouping food enzymes under one application to improve the efficiency of the evaluation process, as well as a derogation from submitting toxicological data under certain conditions. These provisions apply only to enzymes with the same catalytic class, manufactured substantially by the same process and originating from the same source, and for enzymes:
- Already evaluated by France or Denmark (with the exception of those produced by genetically-modified plants, animals or micro-organisms)
- Produced by microorganisms on EFSA's Qualified Presumption of Safety list
- Produced from the edible parts of non-genetically modified plants and animals.
The above-mentioned EU legislation does not cover enzymes intended for human consumption, for example those used for nutritional or digestive purposes, or food enzymes used in the production of food additives (as defined by Regulation EC 1333/2008 on food additives). Also, microbial cultures traditionally used in the production of food (cheese, wine), which may incidentally produce enzymes but are not specifically used to produce them, are not considered food enzymes.
More information on food enzyme legislation and the submission of food enzyme applications:
- EU legislation on food enzymes – European Commission
- Practical guidance for applicants – European Commission


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Though car insurance is a part of owning a vehicle and can't be avoided, you may not love how expensive it is. You may be wondering if there are ways to save money on your auto insurance so that you're not emptying the piggy bank every time you have to make an insurance payment for your pickup truck. Well, we've got some of those tips for you, and we'll explain why they work.
Read moreHow to save money on car insurance for your pickup truck


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Create a light blue lighting effect with our LED up light rentals. Rent for only $17 each + free shipping both ways! Easy "DIY" project for weddings, parties, and special events or anywhere you want to transform your space with
light blue light.
Light Blue is included as one of the 7 color presets. Even better, if you decide you want to go with something different you can change the color of the light by just pushing a button.
Here's how you make the lights light blue:
1. Plug uplight in. Wait 1-2 seconds for it to light up.
2. Press the Menu button a few times until you see "C".
3. Press the "up" or "down" keys to change through the color choices. When you get to C4 press "enter" to set the color to light blue.
If you want to adjust the shade of the light to get a color slightly different then the available light blue, you can do that by following the instructions on this page: Custom Colors
Here are some photos sent in from our customers who have used the light blue color setting:
Thanks to Ronak for sending in this picture from his event. Photo courtesy of Dharmen Patel of DP360 Photo.
20 lights were used to set the perfect mood at this wedding reception at the Holiday Inn in Alton, Illinois. This do-it-yourself bride, also happens to be a photographer. Check out her page for more pics.
A super cool DIY bride sent in this picture from her wedding at Pink Shell Beach Resort in Fort Myers, Florida.
Please book as early as possible. Availability is limited. You can reserve uplights with only a $25 deposit. Fill out this form to check availability and reserve your DIY uplighting:


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Our family has been very pleased and surprised by the Emmitsburg Doggie Daycare. Not only have they taken great care of our 10 month old pup Rosebud, they have all taken a great interest in helping her socialize with other dogs and people friends too. She was such a mess when we rescued her four months ago. Even though she is a work in progress we all see what a wonderful dog she can be. The support and hard work of everyone at EDDC has made a big difference in our family with Rosebud in it.
Stella Mackosky and Family
My dogs have been getting wonderful care at Emmitsburg Veterinary Hospital for the last 7 years. The doctor gets right down on the floor with my dog or sit in a little kiddie chair and spends time getting to know them. The concern and empathy has been especially important with my dog Choko since he has a seizure disorder. When I lost my dog Buster they were so great with the whole process and surprised me with a paw print and a donation to the animal shelter in Buster's name. The wonderful doctors along with their wonderful staff understands where you are as a pet owner and your wishes about diagnosis and treatment. They go out of their way to make sure your pet is comfortable as well as you. They get to know you and your animals, and truly care about them. They are all very professional, knowledgeable, and nice. In addition they have a wonderful doggie daycare that works wonderful for single owners like me. When I take my dog for day care he is so tired when he goes home its lights out so he can dream about all his new friends. I just love it and so does he!! Thank you to all the doctors and all the staff for all the wonderful support and help you have given me and my boy Choko.
Kathy Speak & my boy "Choko"
I would not trust my pets to any other place! They are the most caring people! Words can not express how thankful I am that I found this vet hospital. Everyone goes above and beyond!!
Carol Cullison
I have been a client of the Emmitsburg Veterinary Hospital for 12 years. During that time, the doctors have cared for my horses, dogs and cats. They made prompt house calls when my horses needed emergency care and are experts with large animals. At the annual Horse Clinic for their large animal clients, they visit each barn and provide all inoculations to horses and barn cats thus saving their clients time and money.
On the small animal side, I have had 4 pets spayed and neutered at Emmitsburg. In all cases surgery was performed without complication and my pets were treated compassionately and received outstanding care. Not only are the vets wonderful, but the entire staff is superbly trained, experienced and profoundly interested in helping animals.
Scheduling of appointments is easy and wait times are minimal. The vets and staff at Emmitsburg have also been wonderful supporters of Adams County SPCA. They have volunteered at our spay and neuter clinics and provide emergency care for our pets.
There is no better place to take your pet on the planet!
Devon – 7 year old English Pointer
Katie Caroll President Adams County ACSPCA
I have taken my cats to the Emmitsburg Veterinary Hospital for over eleven years. They have been under the care of Dr. Lisa Wolkind for the past several years. The eldest, Tigger, lived to be almost 21 years of age. Samantha is now 20-1/2 and Clementine is 17 or 18 years of age. I have no doubt that they would not be living to this advanced age without the excellent care they have received at your facility. A special thank you to Dr. Wolkind for her dedication. The veterinarians and all the office staff are helpful, caring, and compassionate. I will never forget the support they gave me when I lost Tigger.
Jean E. Mattson
Purrfect Feline Friends has worked with the Emmitsburg Veterinary Hospital for over 3 years in helping placing homeless /shelter cats. We have place over 30 cats in loving homes. It is a real pleasure to work with a professional and caring staff @ Emmitsburg Veterinary hospital. The cats always receive excellent care and with compassion. I bring my own personal cats to them for veterinary service , and they receive the best care!!!
Emmitsburg is a "purrfect" hospital for your pet needs.
Catherine Pacak
Purrfect feline Friends
For 16 years we have been visiting the Emmitsburg Veterinary Hospital. During this time we have come to know and trust the wonderful people who are part of th is caring and professional group. From the minute you walk in the door you are met with a smile, everyone involved with the care of our dogs have shown compassion and love of what they do and their furry patients. Sarah our black lab has not had an easy time of it,from the age of three when she suffered a spinal stroke to various ailments, she keeps wagging and wiggling. A lot of that is because of the skill and expertise ofDrs. Matthews and Wolkind. And a lot of it has to do with all the peoplethere, they truly love what they do, and they care for the people and pets who come there. We were lucky 16 years ago when we found them, they have been a gift in our lives.
John, Joan and Sarah Howard
The staff at Emmitsburg Veterinary Hospital has become like a second family to me. Their genuine concern for the well being of my "babies" has kept me coming back even through 3 moves. I currently travel 45 minutes to come there and even though there are vets closer to me, I trust the staff at Emmitsburg completely and would not go anywhere else. Their kindness and compassion for not only my babies but for me as well, is truly a thing of rare beauty. Whether it's just a follow-up call to say "Hey, how is your baby doing?" (oftentimes after a very long day for work) or making phone calls on my behalf to specialists to try to get a "complete picture", they go that extra mile without complaint. I know that when I pick up that phone and someone at the hospital answers, I am not talking to veterinary staff members but friends as well. Knowing that all of our babies, including our foster ones, are under their care helps us rest much easier at night.
Courtney Kennedy


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THIS OPINION HAS NO PRECEDENTIAL VALUE. IT SHOULD NOT BE CITED OR RELIED ON AS PRECEDENT IN ANY PROCEEDING EXCEPT AS PROVIDED BY RULE 239(d)(2), SCACR.
In The Court of Appeals
The State, Respondent,
Benjamin Johnson, Appellant.
Appeal From Richland County
G. Thomas Cooper, Jr., Circuit Court Judge
Unpublished Opinion No. 2008-UP-372
Submitted July 1, 2008 – Filed July 11, 2008
Chief Attorney Joseph L. Savitz, III, of Columbia, for Appellant.
Attorney General Henry Dargan McMaster, Chief Deputy Attorney General John W. McIntosh, Assistant Deputy Attorney General Salley W. Elliott, all of Columbia; and Solicitor Warren B. Giese, of Columbia, for Respondent.
PER CURIAM: Johnson pled guilty to trafficking cocaine in an amount between ten and twenty-eight grams, resisting arrest, and two counts of assault and battery with intent to kill. On appeal, Johnson's counsel alleges the plea court erred by accepting his plea without first obtaining a waiver of his right of confrontation. After a thorough review of the record and counsel's brief pursuant to Anders v. California, 386 U.S. 738 (1967) and State v. Williams, 305 S.C. 116, 406 S.E.2d 357 (1991), we dismiss[1] Johnson's appeal and grant counsel's motion to be relieved.
HEARN, C.J., CURETON and GOOLSBY, A.J.J., concur.
[1] We decide this case without oral argument pursuant to Rule 215, SCACR.


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As the first several days of 2016 are already behind us, we wanted to take a quick moment to look back at 2015 in pictures. No words can describe how incredibly grateful we are for everything that took place and we cannot wait for what this new year holds!
Next up in April we hosted our first lunch and learn series that was dedicated to 3D printing. During this first class we introduced the basics of 3D printing and how consumers could bring that technology into their homes. In 2016 we look forward to expanding on this first class and not only showcasing the technology, but making it accessible within our space!
During our first full week of summer camp in June we partnered up with the Averitt Center and the GSU City Campus to offer an electronics camp where students aged 12+ could design their very own portable solar powered phone charger. During this camp our students learned 3D design, soldering, and got to use a 3D printer!
In October we also participated in both Geekend and the 2nd Annual Mattress Dash. During these back to back events we had participants help us to build version 2.0 of the recycled lightbrite and then mount it onto the front of our cart for the big race! While we didn't win, we still had a great time and carried our way over the finish line!
In December we participated in the 2nd annual Merry Maker Market and the Coastal Heritage Society Annual Santa Train event on the same day! Using corks we were able to work with kids to make little Christmas trees, and this was our first opportunity to sell some of the items our members have been hard at work on. Over at the Santa Train we were helping kids make their very own t shirt using a heat press and screen transfers.
Though it goes without saying, we're going to say it, and that is how awesome our members are! What was the best part of 2015? Getting to know all of our awesome and amazing new members! Although 2016 is upon us, it will always be the founding members that started this journey with us that we remember and appreciate the most. Here's to a great year of making in 2016!


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I got a IIGS with 2x3.5" and 1x5.25" floppy drives at a flea market.
After a good wash, it boot up just fine, works perfectly.
But the FDD apple logo badges have little or no color. They looked like that when I get them, and washing did not change them.
Where can I find replacement badges, or even plain old stickers that match in size?
Badge Emblem Logo Decale Label replactment for llGS FDD
I got a IIGS with 2x3.5" and 1x5.25" floppy drives at a flea market.
You will need to either buy another Apple and swap it, or try to get a sticker. The only one that may fit is one that sells for the iphone back:
Also some Etsy sellers sell the original logos, but they are smaller versions.
Good luck


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The Mirfield-born star, who said his academic qualifications were "meagre", accepted the honour at a degree ceremony in Huddersfield town hall.
He was then asked to confer an honorary degree on Cecil Dormand, his English teacher at Mirfield Modern School.
"Cecil first pointed me towards the stage and hinted I should think of a professional career," said Mr Stewart.
New building
He also conferred an honorary degree on Huddersfield-born Royal Shakespeare Company actor and producer Gregory Doran.
On Tuesday, Mr Stewart will open a new building at Barnsley College, which has links with the University of Huddersfield, before unveiling a bust of actor James Mason, who also came from Huddersfield, at the town's Lawrence Batley Theatre.
Mr Stewart played Captain Jean Luc Picard for seven years in the Star Trek: The Next Generation television series, a role a reprised for four Star Trek films.
He has also starred as Professor Xavier in two X-Men films.
Before his Star Trek role, Mr Stewart was best known for his stage roles.


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Search GCIR
Find all program-related materials for the webinar, "Economic Security for Immigrants: Innovative Workforce Approaches" here, including presentation, recording, and other resources.
Find all related materials for the webinar, "'Empowerment Economics' – Innovations in Native and Immigrant Approaches to Assets" here, including presentation and recording.
This webinar will share key findings from research commissioned by AFN and GCIR, and participants will have the opportunity to hear from experts from the field who will share lessons and best practices emerging from their work at this critical intersection.
Join the Funders' Committee on Civic Participation (FCCP) as they discuss as the 116th Congress kicks off and the 2020 Presidential race begins. Advocates, policymakers and candidates have the opportunity to set the stage for advancing an economic agenda featuring climate-forward jobs and key priorities.


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BI: An interest rate cut is not ruled out yet – UOB
UOB Group's Economist Enrico Tanuwidjaja and Haris Handy give their opinion on the recent interest rate decision by the Bank Indonesia (BI). Key Quote | 18/09/2020 11:53
UOB Group's Economist Enrico Tanuwidjaja and Haris Handy give their opinion on the recent interest rate decision by the Bank Indonesia (BI).
Key Quotes
"Bank Indonesia (BI) decided to leave its benchmark rate unchanged at 4.00% at its September 2020 monetary policy meeting (MPC), which is in line with consensus forecast. Consequently, Bank Indonesia (BI) maintained the Deposit Facility rate at 3.25%, as well as the Lending Facility rate at 4.75%. BI reiterated that the decision is consistent with the need to maintain exchange rate stability, with inflation expected to stay low, yet conducive to support the economic recovery."
"BI's macroprudential policy stance will remain accommodative, in line with its policy mix and steady coordination with the government's policy supporting the process and progress of economic recovery and to mitigating the risk in the financial sector due to the COVID-19 outbreak."
"We keep the view that BI may cut the BI 7 Day Reverse Repo rate by another 25bps in Q4 to 3.75% as growth recovery trajectory may be slower than expected. However, this is likely to be the last rate cut for 2020, bringing the BI 7 Day Reverse Repo rate to a record low level. BI forecast GDP growth at 4.8% in 2021 while stating that current account deficit may narrow below 1.5% of GDP this year. Inflation is expected to remain within the 2-4% target for this year and next year. Going forward, we still expect BI to deploy other easing measures and may implement more macroprudential measures to ensure ample liquidity."
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A week before election day, Biden's lead remains stable at around 8ppt as Electoral College projections still favour Biden but the race is tightening | 27/10/2020 07:36
EUR/JPY holds the five-month uptrend at 123.57 – Commerzbank
EUR/JPY is holding the five-month uptrend at 123.57 after sliding from the 200-week ma at 125.22. Karen Jones, Team Head FICC Technical Analysis Resea | 27/10/2020 07:26
China's Foreign Ministry: Firmly oppose US arms sale to Taiwan
China's Foreign Ministry was out with a statement in the last hour, urging the US to withdraw the Taiwan arms sales plan. Key quotes: Firmly oppose US | 27/10/2020 07:20
AUD/USD eases from tops, still well bid around 0.7130-25 region
The AUD/USD pair added to its intraday gains and refreshed daily tops, around the 0.7140 region during the early European session. The pair once again | 27/10/2020 07:11
Forex Today: Markets licking their wounds from covid-related rout, US data eyed
Here is what you need to know on Tuesday, October 27: Markets are recovering and the dollar is edging lower after covid concerns and realization that | 27/10/2020 07:07
NZD/USD faces extra gains above 0.6720 – UOB
NZD/USD is seen extending the upside momentum above the 0.6720 level in the next weeks, suggested FX Strategists at UOB Group. Key Quotes 24-hou view: | 27/10/2020 06:48
Crude Oil Futures: Scope for further downside
Open interest in crude oil futures markets reversed two consecutive daily drops and gained nearly 8.6K contracts on Monday in light of preliminary rea | 27/10/2020 06:43
USD/CAD slides to fresh session lows, around 1.3170 area
The USD/CAD pair extended its steady intraday retracement slide and dropped to fresh session lows, around the 1.3170 region in the last hour. A combin | 27/10/2020 06:41
GBP/USD seen within 1.2900-1.3120 in the near-term – UOB
Cable remains neutral and is forecasted to navigate between 1.2900 and 1.3120 in the next weeks, noted FX Strategists at UOB Group. Key Quotes 24-hour | 27/10/2020 06:28
Gold Futures: Further upside stays on the cards
Traders increased their open interest positions by just 178 contracts on Monday following two daily pullbacks in a row, according to flash figures fro | 27/10/2020 06:23
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From now on, everyone can "legally" have a 3D print pistol that will open fire.
Imagine this picture: people come to a printer, insert a USB flash drive from the printer to print a plastic pistol, hidden in the pocket into the crowd, a gunshot killed the target after the gun thrown into flames, deep work, and name, disappeared in the group.
In the past, such episodes will only appear in sci-fi films, but now all this is becoming a reality.
In Texas with a gun frenzy, someone wants everyone to have a revolver. He claims to make 3d objects that could serve as a gun using the Da Vinci 1.0 Pro 3d printer. The world's first 3D print pistol was born in 2012 and was designed and manufactured by a University of Texas student named Cody Wilson. In the U.S. states, the south, politically very "right" Texas is a reliable gun faction, gun control rating of F, the average year more than 3,000 people died in the shooting.
According to the foreign media reported July 20, the United States federal government and gun-hugging legal disputes ended in a court settlement, the U.S. Department of Justice ruled that from August 1 onwards, the possession or release of the gun 3D printed drawings in the United States will be considered legal. 2013, American University student Cody Wilson launched the world's first 3D printing pistol, and on the network, platform to share the gun drawings, the cumulative download volume of more than 100,000 times.
Subsequently, the U.S. Department of State's Defense trade Regulation office forced Cody to remove its gun design from the Internet. The move was strongly opposed by gun-hugging factions, including Cody, as the US government and some lawmakers pushed 3D to print gun legislation. In 2015, Cody filed a lawsuit with the federal court.
In June this year, Cody's legal dispute with the federal government ended in an out-of-court settlement, and the U.S. Department of Justice ruled that these gun designs were technically not military material and could be "accessed, discussed, used and reproduced by the public." 3D Printing guns in American society are hugely controversial. 3D printing firearms are divided into all 3D printing and part 3D printing, all 3D printing manufactured firearms, in addition to needles and other small parts made of ordinary materials, the pieces are made of 3D printing, and in the partial 3D printing, 3D printing the preparation of the casing, magazine, and internal parts, can be achieved with ordinary firearms components interchange. In real life, the case of 3D printing gun tyrant has happened.
June 9, 2015, the United States Oregon State two felons were arrested for illegal possession of firearms by local police, as two heavy offenders, their special status cannot be bought in the market AR-15 assault rifle lower casing, then use 3D printing technology homemade. On May 8 This year, the RAND Corporation published a study entitled "Additive Manufacturing in 2040: a powerful driving force and destructive threat", which explores how 3D printing affects individuals, national and international security. "Lone wolf" terrorist attacks can become even more deadly if individuals can use 3D printers to make guns, said the political scientist Trever Johnston, the leading author of the study.
CNN speak to Cody Wilson the creator of 3d Print Pistol
In the United States, gun-control laws have little binding effect on the use of semi-automatic weapons, and 3D printing of firearms may make it easier for terrorists, criminals, people with severe mental illnesses, and even children, who should not be armed, to acquire firearms, significantly increasing the risk of violence and crime. At this stage, the United States can control the production and circulation of 3D printing guns essential laws, only one from 1988.
The implementation of the Non-Detectable Firearms Act, to enable metal detectors to detect firearms, The Act stipulates that guns that produce less than 3.7 ounces of steel are illegal, requiring guns to contain metal parts, but are not intended for 3D printing of firearms.
Members have been pushing for amendments to the bill, adding to the new restrictions on the use of 3D printing technology for firearm parts, but did not succeed. The Americans, who have not recovered from the ever-increasing school shootings, are unprepared for the legalization of 3D printing guns, and for a time, there is a growing chorus of gun-control efforts, 3D printing technology, and the monitoring of 3D print data models. "The change in policy is reckless and foolish, and every American should be fearful that it will make it easier for terrorists and dangerous people to get guns, and guns that cannot be traced and detected will put the population at risk," said Avery Gardiner, co-chairman of the Brady Campaign against Gun Violence.


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401(k) Fee Litigation Update – What Tussey v. ABB Means for Plan Sponsors
April 27, 2012
Authored by: benefitsbclp
At the end of last month, Judge Laughrey handed down her decision in Tussey v. ABB, Inc. (W.D. Mo., No. 2:06-CV-04305). In their simplest recitation, the facts of Tussey v. ABB are that ABB selected Fidelity to provide not only recordkeeping and other administrative services to its 401(k) plans, but also certain investment management services through one of Fidelity's affiliates. During the time period at issue in this lawsuit, Fidelity also provided services to ABB in other capacities, including recordkeeping services for ABB's defined benefit plan, non-qualified deferred compensation plan, health benefits, and payroll services (collectively referred to as "corporate services" by the court). Plaintiffs brought claims on behalf of a class of present and former ABB employees who are participants in ABB's 401(k) plans alleging various breaches of fiduciary duties on account of ABB's relationship with Fidelity, ABB's management of the plans and Fidelity's treatment of "float" income (i.e., earnings resulting from the short-term investment of funds held in accounts used to facilitate benefit plan transactions).
Following a four-week bench trial which concluded in January 2010, Judge Laughrey issued an 81-page decision on March 31st finding that the ABB Defendants (hereinafter "ABB") and Fidelity Defendants (hereinafter "Fidelity") each breached certain of their fiduciary duties under ERISA. Specifically, the Court found that the: (1) ABB violated its fiduciary duties by (i) failing to monitor recordkeeping costs, (ii) failing to negotiate rebates from either Fidelity or other investment companies utilized on the plan's investment platform, (iii) selecting more expensive share classes for the plan's investment platform when less expensive share classes were available, and (iv) removing the Vanguard Wellington Fund and replacing it with Fidelity's Freedom Funds (i.e., Fidelity's target-date retirement product); (2) ABB and its Employee Benefits Committee violated their fiduciary duties by paying Fidelity an amount that exceeded "market costs" for plan services in order to "subsidize" the corporate services provided to ABB by Fidelity; (3) Fidelity breached its fiduciary duties by failing to distribute "float" income solely for the interest of the plans' participants and beneficiaries; and (4) Fidelity violated its fiduciary duties by transferring float income to the plans' investment options rather than the plans themselves.
ABB "Take-Aways":
While the court did find multiple breaches of fiduciary duties, those findings were largely based on ABB's detailed investment policy statement ("IPS") which mandated that the plan's fiduciaries undertake certain specific actions (e.g., when multiple mutual fund share classes were made available, ABB was required to choose the share class with the lowest "cost of participation"). In fact, while Tussey v. ABB may be noteworthy because it the first "401(k) fee case" to award significant damages to the plaintiffs, it may be more noteworthy for some of the arguments it rejected and for some of the reasons it declined to assess liability. Some of the most interesting "take-aways" from the case include:
- The court specifically states that a plan may choose revenue sharing as its model for compensating its recordkeeper and, perhaps more importantly, recognized that the use revenue sharing arrangements is not per se imprudent.
- The court did not find that there was a duty to disclose revenue sharing to participants.
- The court recognized that a common method for determining the reasonableness of those fees is to examine the expense ratios of various investments (but also found that this method was not sufficient in ABB because of ABB's IPS).
- The court declined to find that there was a duty for a large plan to offer separate accounts and/or co-mingled funds. In fact, the court recognized that even if separate accounts might be more cost effective, it was not imprudent for a plan fiduciary, such as ABB, to also weigh other factors, such as SEC oversight and the method of reporting asset valuation, in deciding what investment options to offer in a plan.
- The court ruled that ERISA fiduciaries are not required to make the "best choice", just a prudent choice.
Important Reminders:
The Tussey v. ABB decision will by no means radically alter the litigation landscape or benefit plan governance. Nevertheless, the decision offers a good reminder of certain "best practices" for plan fiduciaries. Some of these best practices include:
- Ensuring that the plan is operated in compliance with its plan documents (which, according to ABB, may include the IPS).
- Establishing thoughtful decision-making processes for selecting and monitoring plan service providers and plan investment options. (And, following that process.)
- Periodically reviewing investment processes against the IPS the ensure consistency (or consider retaining an investment fiduciary to perform this function). For example,
- Ensuring that the addition or removal of a fund complies with the IPS's designated procedures.
- If the IPS contains a policy for monitoring managers or placing them on a "watch list", following such policy.
- Using experts as appropriate, but evaluating their input pursuant to fiduciary process (e.g., give expert input due consideration and appropriately document the ultimate decision).
- Thoroughly documenting the basis for all fiduciary decisions in meeting minutes or otherwise.


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ORLANDO, Fla. – Jesus Film Project® today announced a new study that reveals the film "JESUS," along with other titles provided by the ministry, have been proven as some of the most powerful tools available in the evangelical world in effectively spreading the Gospel.
The study, conducted in conjunction with Masterworks, an independent third-party research firm, quantified the total global impact of Jesus Film Project entities. The research focused on three measures of impact: viewership, indicated decisions to follow Jesus, and multiplying communities formed.
Using 2015 as a basis for calculation, research included all mediums in which Jesus Film Project entities can be viewed: television, live showings, online viewings and physical media such as DVDs and SD cards. The results indicated Jesus Film Project tools have been used to initiate more than an estimated 7.5 billion gospel presentations cumulatively since 1979, and has resulted in 490 million people indicating decisions to accept Christ and 2.1 million churches/multiplying communities being launched.
"This new research reflects Jesus Film Project's faithful dedication to completing the Great Commission, not only through direct outreach but also via partnerships with hundreds of ministries and churches that have utilized our ministry's tools and initiatives," stated Josh Newell, director of marketing and communications. "While we often hear stories about how our films are impacting people's lives, this study solidifies that our efforts are not in vain and God is using Jesus Film Project to spread the Gospel worldwide."
With current technological advances, the research shows that in the last 10 years, the way that people view "JESUS" and other Jesus Film Project entities has drastically changed. Television accounted for most of "JESUS" film viewership prior to 2006, because TV stations would often show the film – in some cases multiple times – during holidays.
Television viewership is now on the decline as people around the world are turning to streaming media such as Apple TV, YouTube and Amazon. Additionally, today's audiences view and interact with media differently than in prior generations, modifying it and reposting it to their social media profiles.
Since 2006, Jesus Film Project has worked to adapt with these trends. It developed new media to start conversations about Christ including an app streaming "JESUS," other full-length films, and short films, effective in reaching diverse audiences. These include "Magdalena,""Rivka" and "The Story of Jesus For Children."
"It is fantastic to see the work that we have done is being used and multiplied by so many," stated Newell. "As we continue to provide excellent tools for ministry use, it will be incredible to see the numbers grow in the next decade."
The last time Jesus Film Project conducted a comprehensive study to count the total number of lives impacted through exposures to its films and other properties was more than one decade ago.
See the complete study here.
The "JESUS" film was envisioned by Bill Bright, co-founder of Cru, and was produced in cooperation with The Genesis Project. "JESUS" is the most watched film according to 'Guinness Book of World Records' and will soon be available in 1500 languages with the latest translation in Daasanach, which is currently in production. Jesus Film Project continues to carry out Bright's vision of showing this film to people in every country of the world. Find more information on Jesus Film Project here.
Note to Editors: To arrange an interview with a Jesus Film Project spokesperson:


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What's "The Best of Car Talk" Actually Worth?
Dear Click and Clack,
A week or so ago you were talking about the potential value of Car Talk-related items with respect to the IRS.
I thought you might like to take this into account in estimating the value of Car Talk items:
The other day someone broke into our car and took everything of any value (not that there was much there, but anyway...). As we were milling around the car, becoming more and more depressed by this invasion of our sacred space, my daughter noticed something in the bushes. And what was it? It was our "Best of Click and Clack" tape!!
At first we were elated to know at least not everything was gone. Then we started to think...if even lowdown crooks don't want this tape, what can it be worth?!!
Mario Riolo


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Nestling high on a hillside in the beautiful Peloponnese, the Kinsterna Hotel is a stunning Byzantine mansion house, lovingly restored and renovated entirely in harmony with the landscape. From its vantage point, there are quite splendid views over the fairy-tale castle rock town of Monemvasia to the azure blue Aegean beyond.
The gastronomic restaurant serves fine Mediterranean cuisine featuring ingredients produced in the hotel grounds, including olive oil, citrus fruit and vegetables, all served with a contemporary twist and accompanied by fine boutique house wines from the mansion's privately owned vineyards. What is really unique at the Kinsterna Hotel is its signature river-like swimming pool, which has as its source, a freshwater spring that emanates from the hotel basement.
Suitable for:
- Honeymooners
- Couples
- A celebration longweekend for family and/or friends
Things to do at the property:
- Relax in the hotel's peaceful gardens and admire the views of the Aegean and Monemvasia Castle
- Dine in the hotel's wonderful restaurant or enjoy a drink on the bar terrace next to the pool
- Swim in the fabulous swimming pool with its source from a freshwater spring
- Enjoy a Hammam or a range of treatments in the spa
Things to do nearby:
- Visit the fairy-tale castle and rock city of nearby Monemvasia with its narrow cobbled streets and historic buildings
- Spend a day on the wonderful beach at Elafonissos
- Explore nearby Sparta and the fortress and churches of Mystras
- Take a cruise in the hotel's privateboat to visit isolated beaches such as Damos or the famous beach of Simos
- Cruise to the impressive port of Gerakas, the southernmost natural fjord of Europe or the Kastania caves with awe-inspiring
Geological formations and colours
- Explore the hotel's estate on foot, following an excellent network of footpaths


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Bella Hadid for her Never-ending Legs
Que Tip: Reason enough to not skip leg day at the gym! Perks include dating hot men like The Weekend to name a few.
I can't believe it! 💘💘💘 I was smiling SO HUGE on the inside I promise!!!! The most fun and nerve racking experience of my life but I wish I could do it over and over and over again!!!!! 🎀🎀Thank you @theweeknd for being the best and most incredible performer on the planet. You KILLED it, as always 😍 ❤ And not enough thank you's to @ed_razek @10magazine @johndavidpfeiffer @monica.mitro and the whole VS family!!!💕🙏🏼💗🎀thank you for believing in me I love you all so so so much 💗💗💗💗
Jasmine Tookes for her Creamy Sublime Skin
Que Tip: Eating right has many benefits and her glowing chocolate complexion is inspiration enough for that.
Izabel Goulart for those Enviable Abs
Que Tip: Work on your core so can get rid of the belly bulge and flaunt that slender waist in those crop tops.
✨Paris and it's magic✨What a unforgettable night! Thank you to the whole crew and to everyone that made it happen! So much love and hard work was given! My 12th year in the show! I am so grateful! Noite mágica e inesquecível em Paris! Muito obrigada a toda equipe e pessoas envolvidas que trabalham com muito amor e dedicaram longas horas de trabalho para tornar tudo isso possível ! Meu 12 º ano, me sinto honrada por fazer parte desse time! #paris #VSFashionShow #dreamteam @ed_razek @monica.mitro @10magazine @johndavidpfeiffer @victoriassecret
Alessandra Ambrosio for another Set of those Squats
Que Tip: Get off your butt and get it in shape so you can look steallar in those body-con dress this New Year's Eve.When you know you just NAILED that runway. @alessandraambrosio #VSFashionShow A photo posted by Victoria's Secret (@victoriassecret) on
Gigi Hadid and Adriana Lima for their Positive Energies and that Infectious Smile
Que Tip: There's nothing more important than keeping a healthy mind along with a healthy body so meditate, smile and stay positive.


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The Forum of Private Business became '40 years in business' in September 2017 and in that time we have been supporting our members and constantly re-investing our profits into improving the products and services that we can offer as a national UK business membership organisation.
We are a business organisation that helps to provide business owner's support, advice and protection to face all different types of business challenges. Since the Forum was established in 1977 business landscapes have changed dramatically but whatever the business challenge we are here to help 24/7.
To mark the milestone of '40 years in business' we have added to our collection of Forum guides. The Compliance Guide is now the Forums newest guide and also becomes inclusive for Metro Bank customers, the Forum Membership and Forum Start-Up membership. The guide has been researched and has been put together with the help of our legal partners and ACRA - The Association of Company Registration Agents. We believe the guide to be very comprehensive and a jargon-free easy read. We have referenced areas for further reading/research along with an introduction to where you may need to be to be compliant with your business.
The Forum believes it is vital to have the right support, advice and protection in place and that means to be more than just the average one size fits all businesses advice that is currently available. Most business owners find that after a few months of trading, they come up again things they didn't know and need help to overcome them, but where do they go? We want your business to be successful and profitable and will give you and your business the best chance of succeeding.
Note: Forum Guides can be an additional charge subject to Forum Membership subscription. For any queries please contact our membership advisors on 01656 626001 or email
You can join the Forum online today by simply selecting the number of employees within your business from the table below and follow the instructions. You will need your Sort Code details to obtain your exclusive discount as a Metro Bank customer
Have a question before joining? Send us a message... Click here
* Forum start-up Membership for Metro Bank customers is available for the 1st year at £99 per annum. Sort Code details will need to be confirmed at check out to obtain. This is applicable to all business sizes. Standard Forum membership price will become applicable at the end of the 1st year Full T&C's apply which can be found here
** Annual membership covers all directors/principles; there are no hidden costs or fees
*** you must contact the member helpline before acting in any situation which might result in a tribunal to ensure your business is covered by our legal expenses insurance. Content is for informational purposes only and does not constitute legal advice. It is recommended that specific professional advice is sought before acting on any of the information given.
Thinking of becoming a member, but have a couple of questions? Ask our Membership Team:


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Search filters applied: finance, planning, premier and cabinet AND performance audit AND 2016, 2005 AND procurement, service delivery, shared services and collaboration AND published .
Actions for Implementation of the NSW Government's program evaluation initiative
Implementation of the NSW Government's program evaluation initiative
The NSW Government's 'program evaluation initiative', introduced to assess whether service delivery programs achieve expected outcomes and value for money, is largely ineffective according to a report released today by NSW Auditor-General, Margaret Crawford. Government services, in areas such as public order and safety, health and education, are delivered by agencies through a variety of programs. In 2016–17, the NSW Government estimates that it will sp
Actions for Red tape reduction
Red tape reduction
Overall, NSW Government initiatives and processes to prevent and reduce red tape were not effective, according to a report released today by the NSW Auditor-General. In 2015, the Government reported that its red tape reduction initiatives, implemented between 2011 and 2015, had resulted in $896 million in savings. While these initiatives resulted in some savings, the total value of savings is unknown because estimates for some initiatives were based on
Actions for Managing unsolicited proposals in New South Wales
Managing unsolicited proposals in New South Wales
Overall, the governance arrangements for unsolicited proposals are adequate. However, there needs to be greater transparency and public reporting on unsolicited proposals received by government, according to a report released today by the NSW Acting Auditor-General, Tony Whitfield. 'Unsolicited proposals warrant more disclosure as they pose a greater risk to value for money than procurements done through open, competitive and transparent processes," sai
Actions for Relocating Agencies to Regional Areas
Relocating Agencies to Regional Areas
Decisions to relocate government agencies to non-metropolitan areas are not made purely for cost reasons. They can also serve government policy objectives, such as promoting regional economic development. Regardless of the policy objectives that may exist, I would expect that decisions on individual agency relocations would be based on sound business cases. Those business cases would show how the relocation achieves any relevant government objectives, w
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Planning for Sydney's Water Needs
Reliably supplying water to our State's principal city, Sydney, is a major responsibility for the Government. The community has been made keenly aware in recent years that inflows have been decreasing, and that Sydney has been using more water than is available. In April 2005 the water in Sydney's storages dropped to 41.5 per cent of their capacity – the lowest level since the construction of Warragamba dam in 1960. As Sydney continues to develop, it i
Actions for Follow-up of Performance Audit: Collecting Outstanding Fines and Penalties
Follow-up of Performance Audit: Collecting Outstanding Fines and Penalties
Periodically we review the extent to which agencies have implemented the recommendations they accept from our earlier audits. This gives Parliament and the public an update on the extent of progress made. In this follow-up audit, we examine changes following our April 2002 report on how well the State Debt Recovery Office (under the Office of State Revenue) was collecting outstanding fines and penalties. Parliamentary reference - Report number #132


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AUCKLAND, New Zealand — A New Zealand man has set a world record for the most bungee jumps in 24 hours, diving 103 times Friday from Auckland's Harbor Bridge.
C'mon — what's not to like?
Hoof it over to Facebook to join the weird news herd.
- C'mon — what's not to like?
Mike Heard set a new world mark with his 102nd jump, then made his 103rd to celebrate.
"I'm feeling pretty sore but not from anything you'd normally get from bungee, just from hitting the water," Heard said.
"Once you get over the fear, it's really, really enjoyable."
Heard broke the record of 101 jumps set in South Africa in 2002. His effort raised $3,600 for a children's cancer charity.
Copyright 2008 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.