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Andrei Burke, Ultra Culture
Several astronauts who have seen Earth from space have had profoundly awakening spiritual experiences. Here's three of them.
Seeing Earth from space will cause you to lose your shit.
In Plato's Phaedo, Socrates said that if you could see the Earth from space, you would recognize "that is the real heaven and the real light and the real earth."
Your eyes, no longer bound to the horizon, see the Earth both from space and in space. Your whole perspective shifts. What was once the endless expanse of blue sky now appears to be just a thin halo surrounding the planet. You can now see above the clouds to the changing atmosphere, raging thunderstorms, and auroras of the Northern and Southern hemispheres. One half of the planet turns dark and the continents light up with networks of cities. Everything appears interconnected.
This view of Earth has only been in popular awareness since 1968, when the first color photographs were taken on the Apollo missions. It represents a major shift in consciousness. Twenty years earlier, the British Astronomer Fred Hoyle said that a photograph of Earth would be "a new idea as powerful as any in history."
Only around 500 astronauts have ever witnessed this view first hand. For some of these astronauts, seeing the Earth was a profound, life-changing, and outright mystical experience.
Below, three astronauts recount their experiences of seeing Earth from space, and the profound effect it had on their perception.
OVERVIEW from Planetary Collective on Vimeo.
1. Edgar Mitchell
Mitchell seems to be the most vocal about his experience of seeing Earth from above. His experience left a profound spiritual impact on him. It was so impactful that he founded the Institute of Noetic Sciences in the Sonoma Valley, an institute that conducts research into meditation, consciousness and human potential.
On his experience of seeing Earth from space, Mitchell has said:
"That's a powerful experience, to see Earth rise over the surface [of the Moon]. And I suddenly realized that the molecules in my body, and the molecules in the spacecraft and my partners had been prototyped, maybe even manufactured, in some ancient generation of stars. But instead of being an intellectual experience, it was a personal feeling… And that was accompanied by a sense of joy and ecstasy, which caused me to say 'What is this?' It was only after I came back that I did the research and found that the term in ancient Sanskrit was Samadhi."
2. Russell L. Schweickart
Schweickart flew on the Apollo 9 mission. Recounting his experience of looking down at Earth, he said:
"You identify with Houston and you identify with New Orleans… And that whole process of what it is you identify with begins to shift. When you go around the Earth in an hour and a half, you begin to recognize that your identity is with that whole thing. That makes a change. You look down there and you can't imagine how many border and boundaries you cross… and you don't even see them. There you are—hundreds of people in the Mideast killing each other over some imaginary line that you're not even aware of and you can't see."
(Via The Overview Effect)
3. Wubbo Ockels
Ockel was the first Dutch citizen in space. He passed away last month. Before dying, he composed an open letter calling forsustainable energy solutions. The letter testifies to the spiritual impact his experience as an astronaut left on him:
"We are not bees who unconsciously build a bee colony… We are not neurons that are not aware that they altogether think. No, we are intelligent beings that indeed can see and observe the behavior of our community. We are well aware of where our Humanity is heading. We can lead Humanity into a better direction if we act together. With a new believe in Humanity we can create a new religion that brings us all together.
"There are many Religions who get people together, but never all people. The different gods in whom people believe separate Humanity… This separation has led to many conflicts… These religions do not unify humanity with the earth. They [are] not sustainable. But if we believe in the holistic Humanity we will have no conflicts because we will be inseparable… The God of humanity is in each of us. This God is not outside of us. We cannot hide behind this God because it is us." (Via)
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August 2020
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DIRCO to launch the 2017 Annual Ubuntu Awards
The Department of International Relations and Cooperation (DIRCO) will launch the 2017 annual Ubuntu Awards on Wednesday, 09 November 2016 in Pretoria where media will be briefed on this prestigious annual event and the procedures for nominations in the Awards' six categories namely:
- Ubuntu Economic Diplomacy Award
- Ubuntu Social Responsibility Award
- Ubuntu Cultural Diplomacy Award
- Ubuntu Youth Diplomacy Award
- Ubuntu Sports, Arts and Culture Diplomacy Award
- O. R Tambo Lifetime Achievement Award
A media pack will be provided at the launch which contains information on:
- Each award
- Eligibility
- The nomination and judging process
In 2015, the annual Ubuntu Awards were launched to celebrate South African citizens who play an active role in projecting a positive image of South Africa internationally. Through excellence in their chosen fields, these proud South Africans serve as global ambassadors of our nation.
Next year's Ubuntu Awards will be hosted by the Minister of International Relations and Cooperation, Ms Maite Nkoana-Mashabane and is expected to take place in February 2017 in Cape Town. The event will take place after the opening of Parliament and will bring together captains of industry, leaders from civil society, members of Cabinet and eminent persons in addition to all Ambassadors and High Commissioners accredited to South Africa.
The awards are aimed at recognizing and honouring South African industry leaders, organizations and extraordinary citizens for their distinguished service and contribution to promoting South Africa's national interests and values throughout the world. Each award will be given to an organization and/ or an individual, who through excellence, innovation, creativity, social responsibility and patriotism, distinguished themselves as exceptional ambassadors of South Africa.
The year 2017 marks the centenary of Oliver Tambo's life. Therefore, the theme of the Ubuntu Awards will be: "In his footsteps." The Ubuntu Awards thus recognise South African citizens who embody the principles of OR Tambo, namely: Integrity, Passion, Patriotism and Humility.
Previous award winners include South African companies MTN and Nandos, top Olympic athletes Wayne van Niekerk and Chad le Clos (Ubuntu Sports Diplomacy Award), DJ Black Coffee and Hugh
Masekela (Ubuntu Cultural Diplomacy Award), the former South African Chief of State Protocol, Ambassador Billy Modise and the late South African liberation struggle stalwart and diplomat, Mme Ruth Mompati (OR Tambo Lifetime Achievement Award) to mention but a few.
Media are invited as follows:
Date: Tomorrow, Wednesday, 09 November 2016
Time: 11h00
Venue: Department of International Relations and Cooperation, Diplomatic Guesthouse, 460 Soutpansberg Road, Rietondale, Pretoria, 0084
RSVP: Laoura Lazouras, [email protected]/ 083 564 2024
Enquiries: Ms Salome Baloi, 083 778 7182

subset: commoncrawl


text: Rat Rod project of Marshall from Nova Scotia, Canada We are happy to introduce a project that took four years to complete! Hope you like it!!! We remind you that you can send your projects to firstname.lastname@example.com Share this photo0000 2018, Canada, Nova Scotia, rat rod, ratrod, ratrods admin | Rat Rod, Your Projects |


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Celebrating 40th Anniversary of the Lempel-Ziv Algorithm
- Date:
- Monday, 5.2.2018, 14:00
- Place:
- EE Meyer Building 1003
You are invited to a special lecture and ceremony celebrating 40th
Anniversary of the Lempel-Ziv Algorithm, by Prof. Meir Feder from the School of
Electrical Engineering in Tel-Aviv University on: "Beyond Compression:
Lempel-Ziv in Learning and Prediction".
The event will take place on Monday, February 5th, 2018, at 14:00, in the Auditorium 1003, EE Meyer Building, Technion.
14:00 - Refreshments
14:30 - Celebration
15:00 - Lecture
More details.
You are all invited.


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profile | register | preferences | faq | search
Posts: 291From: UKRegistered: Nov 2007
I have bought a few pins: Apollo 10, 12, 13.
My question is this where do they originate from, who would have been issued with them?
Posts: 542From: Seminole, Fla.Registered: Jul 2003
I was of the opinion that these pins were issued to Flight Controllers possibly by NASA? Lots of them on eBay of late.
But nice pieces nonetheless!
Both centers had excellent teamwork -- but let's just say that the launch team was a club whose members would wear these pins with a definite KSC pride.
As you suggest, it's certainly possible a contractor or even NASA might have bought some to hand out at the Cape -- but it's also true that an KSC employee or a tourist could buy these during Apollo in Cocoa Beach for about $3.00 each or less.
All times are CT (US)
Copyright 2020 collectSPACE.com All rights reserved.
Ultimate Bulletin Board 5.47a
Ultimate Bulletin Board 5.47a


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Automation Solutions is your go-to place for FANUC programming in Melbourne and also Australia wide.
Why use a robot?
In most cases a robot system provides a better alternative to manual technology due to many factors including:
• Reduced OH&S
• Increased output
• 24 hour by 7 day operation, and 'lights out' operation
• Automated and remote monitoring of operations
• Safer working environment
• Flexibility to handle a large range of products
• Adaptable to new products
• Reliability – Fanuc has the best Mean Time Between Failure rates
• Measurable ROI
Fanuc Robot Simulation
FANUC Robotics' RoboGuide family of simulation software packages provide the ability to create, program and simulate a robotic workcell in 3D, without the need or expense of physical prototypes and extensive programming. By utilising virtual robots, workcell models and offline programming, FANUC RoboGuide reduces the FANUC programmer's risk by enabling visualisation of single and multi-robot layouts prior to system installation.
True robot operation is provided by the programmer using virtual robot controllers, which contain a real copy of the software that runs on your FANUC robot. The integrated virtual teach pendant looks and operates just like a real teach pendant. Accurate cycle time reporting is essential when optimising a workcell. RoboGuide's cycle time profiler provides cycle time at the program, routine and motion instruction level. FANUC Robot programming offers many application-specific plug-ins for RoboGuide including: WeldPRO, HandlingPRO, PalletPRO, PickPRO, PaintPRO and MotionPRO. These plug-ins offer additional processspecific capabilities


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NORWALK — As the new girls varsity soccer coach at Norwalk High, Mike Surace knows the job in front of him isn't easy.
But he also knows the future and with a lot of hard work his job could get a little easier.
The Bears have been struggling to build a program in the always competitive FCIAC, but Surace — a Norwalk High product himself — knows the city has some young players coming up who could turn the two high school programs at Norwalk and McMahon into more competitive programs.
"First of all, I'm definitely super excited to get started," said Surace, whose team opens the season at home on Saturday night (7 p.m.) against Trinity Catholic. "Something we've been telling the girls is we want to change the culture and the girls have come on board with that."
Changing the culture means setting the goals high — a berth in the state tournament.
"Our target is states, which I realize is lofty," said Surace. "But we're not going to accept failure."
Senior captains looking to lay down the new foundation for the future are Paulina Mandujano, a defender, and Hannah Froelich, a senior who will play up top.
"They're definitely phenomenally organized and they've handled everything well," Surace said of his team's leaders. "They have that level of respect. We have a lot of underclassmen, but I'm pleased with their leadership style."
It is in those underclassmen where a lot of the talent and depth could pay off in the future.
Numbers are up — the Bears are able to field a JV team for the first time in years — which means more Norwalk girls playing the sport, rather than getting cut from a varsity-only team and, perhaps, never trying out again.
Plus, Surace estimates, the Bears have upwards of 15 or more players who have played travel soccer over the last year.
"These are numbers we haven't seen in a long time," he said.
Junior Imelda Lazare returns to her second season in goal and sophomore defender Caila DeGrandi will also play a key role in the back and/or midfield, as needed.
In the midfield, Julia Sferlazza is one of the team's more talented freshmen while sophomore Clara Lazaro can play on any one of the levels, allowing major adjustments as needed per opponent.
The team's only other senior, Jayda Cruz, is expected to supply some punch on top along with Froelich.
Other players are younger and still fighting for playing and positions so Surace didn't want to name any more key players, but the fact he has so many Bears battling for playing time is another plus in Norwalk's favor, he said.
Last year's win over Trinity Catholic was the Bears' lone victory a year ago, so Saturday's game is a chance to start the season off right.
"We want to come out and make a statement," Surace said. "The girls know we want to turn the program around and raise some eyebrows."
For the Norwalk Bears, the future begins Saturday.


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Parents' Association
All parents of Hagia Sophia Classical Academy students are members of the Parents' Association, which exists to promote friendly relationships among parents, to acquaint them with the spirit of Hagia Sophia, to obtain their cooperation with its objectives for the development of their children and to initiate parents' involvement in, and support for, projects and functions which aid the Academy academically, socially and financially.
The Hagia Sophia Parents' Association (HSPA) also serves the important function of communicating ideas, concerns and support to the administration and faculty of Hagia Sophia Academy. The HSPA president and officers meet once a month to discuss the Association's fundraising activities as well as extra-curricular events planned and coordinated by its officers and members. The HSPA is also an important means of communication to the administration of the Academy. The president of the Association stays in consistent contact with the administration and with parents.
The overall mission of the Hagia Sophia Parents' Association is:
- To facilitate communication between Academy faculty, staff and parents.
- To help parents understand the fundamental premises upon which the Academy functions.
- To schedule, promote and host student and parent activities.
- To welcome new parents into the Association and to instill in the new parents the need for their continued involvement in and support of the Academy.
- To encourage pride in the children and in the Academy.
- To assist the Academy in promoting its reputation in the Indianapolis community.
- To help raise funds for the HSPA Grants
HSPA Grants
As the money is raised, monetary grants will be available to teachers and Academy staff members for curricular and extra-curricular activities. Each year the HSPA assists in a variety of field trips and social events. Grant request forms are available through the Academy front office.


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What is the franchising scene like in Singapore? Is Singapore's legal and economic framework a help or hindrance to franchisors or franchisees? Singapore is conducive to franchising, including restaurant and food retail franchising. It strikes a good balance between permissiveness and protection.[1]
Singapore has a permissive franchising environment. There are no specific restrictions for franchising. By contrast, countries like the United States and Malaysia have special franchising laws. These laws are often designed to protect franchisees from franchisors' imposing extensive and one-sided rights in franchise contracts. Also, Singapore has no exchange controls, no taxes on capital gains and no restrictions on foreign ownership.
Singapore has a large number of foreign and home-grown restaurant and food retail franchises. Examples include McDonald's, Starbucks, Ben and Jerry's, BreadTalk, Old Chang Kee, Din Tai Fung, Komala's and Sakae Sushi. Recent market entrants include Hong Kong concepts Tim Ho Wan, Mak's Noodle and Honolulu Café.
There are many ways to enter the Singapore market, though the three most common are direct franchising, master franchising and regional franchising.
Direct franchising, also called unit franchising, is a small-scale approach. An example is a Singapore business becoming a single Subway sandwich outlet franchisee. Master franchising is a larger-scale approach where a franchisor grants a franchisee the right to operate in an entire country. Singapore's BreadTalk Group operates Taiwan's Din Tai Fung restaurants in Singapore. Master franchising helps franchisors cut costs and ensure more stable cash flow from franchise royalties, compared with being direct operators.
Regional franchising is where a foreign franchisor grants a franchisee the right to operate in a region. For example, Aspac F&B Sdn. Bhd. operates Carl's Jr. franchises in Singapore and Malaysia.
The popularity of master franchising and regional franchising was illustrated when The Straits Times newspaper reported in July 2016 that McDonald's is planning to sell 20-year franchise rights in Singapore and Malaysia for its restaurants.
Two key types of legal protection in Singapore for franchisors and franchisees are via contract and the legislative and regulatory environment.
A well-structured contract protects the interests of both franchisors and franchisees. Singapore's contract law is based on English contract law, with aspects supplemented by legislation. It is underpinned by a large body of English, Singapore and commonwealth case law.
Contract – Legal Protection for Franchisors
Franchisors focus on protecting their intellectual property (including trademarks) and their franchise business system. The protections implemented are designed to ensure uniformity between outlets and a consistent quality of service.
Intellectual property. Intellectual property can be protected in the franchise contract through various franchisee obligations—for example, including a contractual term that all goodwill and other rights from the use of the franchisor's trademarks vests in the franchisor.
Apart from the franchise contract, franchisors should also consider safeguarding their intellectual property using other strategies. For additional protection, franchisors can register their trademarks in Singapore. Also, trade secrets are best protected if they are not revealed to franchisees. For example, essential materials used in a restaurant or food retailing can be black-boxed: in other words, made to a secret formula or secret process, then supplied to franchisees ready-made.
Business system. A franchisor's business system is protected in a number of ways in the franchise contract. The contract can state that all intellectual property in the operating manual will remain the exclusive property of the franchisor and that the contents of the operating manual are confidential. Franchisors can also include franchisee restrictions in the franchise contract. For example, franchisees can be subjected to non-compete restrictions during the term of the franchise and for a short period after.
In addition, franchisees can be subject to restrictions on any proposed sale of the franchised business. This gives franchisors the right to buy the business from the franchisee or vet the proposed incoming franchisee. Furthermore, franchisees can be made to indemnify franchisors for any breaches of the franchise contract.
Contract – Legal Protection for Franchisees
Franchisors, particularly those with an established trade name and business format, often have a stronger bargaining position. They typically offer standard franchise contracts to potential franchisees on a take-it-or-leave-it basis.
Notwithstanding, franchisees may want to protect their interests and, in particular, can focus their attention on certain important areas. These areas include territorial protections, fees payable to franchisors, the franchise's advertising and promotional fund, a franchisee's restrictions in selling its franchise business and termination of a franchise contract.
Territorial protections. A franchisee negotiating a country franchise should consider asking for exclusivity. Otherwise, it is possible for a franchisor or other country franchisees to set up competing outlets that wage a price war against the franchisee's outlets, potentially causing losses to the franchisee's business.
Some franchisors resist granting exclusive territories on the basis that the franchisee could under-exploit the potential market in a country. A compromise is possible in such a case. For example, the master franchise contract can contain a mechanism that converts an exclusive territory to a non-exclusive one, where a master franchisee fails to follow the agreed development schedule (or other targets).
Fees payable to franchisors. A franchisee should be aware of its full payment obligations to a franchisor. There are two aspects to this. First, royalty payments or franchise fees payable to franchisors may be subject to deduction of tax at source, and franchisors may require a gross-up payment. Singapore has a 10-percent withholding tax on royalties paid to non-residents. However, taxes may be reduced if there are applicable tax treaties. Second, a franchisee should consider the true rate of royalty payments. For example, a franchisor may impose a seemingly low royalty fee and recoup the difference from high profits on bundled items sold to the franchisee.
Advertising and promotional fund. A franchisee may need to contribute to an advertising and promotional fund managed by the franchisor. If the franchisor is entitled to use contributions to recoup excess expenditure from earlier marketing campaigns, a franchisee's contributions may not benefit itself or the franchise network. Also, it may be expensive for a franchisee if a franchisor requires a franchisee to use a specific advertising agent or public relations consultant in local campaigns.
Restrictions in selling franchise business. A franchisor usually requires a right of first refusal on a franchisee's proposed sale of its franchised business. Whether or not the franchisor assists in the sale process, he may request a sales commission or transfer fee. Also, the purchaser of a franchised business may need to pay a training fee, which will reduce the net sale price. To avoid potential surprises, franchisees can negotiate, in the franchise contract, a cap to any sales commission or transfer fees.
Further, a franchisee selling its restaurant or food retail business may need to take into account the issue of landlord consents for change in lessee or a change in control of the lessee company. Landlords may use the request for consent to extract a transfer fee or revised rent. Franchisees can negotiate adjustments to such clauses in leases by changing a consent requirement to a notification requirement only. This will depend on relative bargaining power. Landlords in Singapore typically have strong bargaining positions and often reject requested adjustments to terms in their standard leases.
Termination of a franchise contract. The circumstances under which a franchisor can terminate the franchise contract are of significance. The franchise contract should distinguish clearly between terms that are of the essence of the contract and minor terms. Only breaches of terms that are of the essence of the contract should allow for termination.
Legislative and Regulatory Environment
Singapore has a strong legislative and regulatory environment, which is conducive to franchised businesses.
Legislation. The Unfair Contract Terms Act prohibits or restricts franchisor or franchisee liability exclusion clauses unless these clauses are deemed "reasonable." The Misrepresentation Act entitles a party who entered a franchise contract in reliance on a negligent misrepresentation to claim damages.
Agreements, such as the United States–Singapore Free Trade Agreement, give certain franchisors additional protection for intellectual property, including trademarks and copyright.
Singapore's robust intellectual property protection is likely to be beneficial to franchisors. A franchisor's control of the business trademarks, trade name and distinctive business "set-up" ensures uniformity of the product that customers experience. This protects the goodwill of the business as it is developed.
The Intellectual Property Office of Singapore notes that Singapore's intellectual property regime is one of the best in the world. There are a number of intellectual property statutes in force, including the Trademarks Act and the Copyright Act.
Dispute Resolution. Singapore has a respected, efficient and effective dispute resolution framework.
The Singapore Supreme Court has a specialist Intellectual Property Court, presided over by Judges and Judicial Commissioners with intellectual property law experience, along with a division named the Singapore International Commercial Court that deals with transnational commercial disputes. According to the Singapore Supreme Court's 2014/2015 Annual Report, the Supreme Court received a total of 14,396 new civil and criminal matters in 2014, with a 100-percent clearance rate within the year.
Apart from the courts, other well-established institutions include the Singapore Mediation Centre and Singapore International Arbitration Centre. According to the Singapore Mediation Centre, it has mediated over 2,700 matters, with a settlement rate of about 75 percent. Of cases that are settled, more than 90 percent are concluded within one working day. In addition, the Singapore International Arbitration Centre stated that its active caseload as of 1 June 2016 is about 600 cases. In 2015, it received 271 new cases from parties from 55 jurisdictions. Its case filings have increased by over 300 percent in the last 10 years.
The various choices available are complemented by Singapore's reputation for having a strong rule of law and low corruption.
The World Economic Forum's Global Competitiveness Report 2014-2015 named Singapore as the second-most competitive economy in the world, including ranking second globally in terms of having a transparent and efficient institutional framework. In 2016, the World Bank Group ranked Singapore first for doing business in East Asia and the Pacific. This includes a first-place recognition for enforcing contracts and protecting minority investors. Also, Singapore is consistently ranked first as the least-corrupt public sector in Asia in the Corruption Perceptions Index.
Come on Down to Singapore
Singapore is a competitive and lucrative market, balancing permissiveness and protection for franchisors and franchisees. Franchisors and franchisees are protected by well-designed contracts, underpinned by a strong legislative and regulatory environment. Franchise concepts honed in the crucible of competition in Singapore can be exported to other markets, and concepts established overseas can also be implemented in Singapore.
Franchisors and franchisees are welcome in Singapore, and many opportunities await.


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Patrick Getzen has more than 20 years of experience in the health insurance industry. In his role at Blue Cross NC, Getzen focuses on data quality, stewardship and governance, as well as analytics enablement for the company. His technology-focused teams ensure the company's actions are efficient and information-driven to run our business, collaborate with health care providers, and serve our customers.
Getzen previously served as Vice President and Chief Actuary for Blue Cross NC. His responsibilities included pricing for individual customers and employers, valuation, underwriting, product development support, and financial planning support.
A graduate of the University of Maryland, Baltimore, with a degree in Mathematics, Getzen is also a Fellow of the Society of Actuaries, as well as a Member of the American Academy of Actuaries.
Getzen applies his dedication to professional excellence to community involvement as well. An advocate for improving lives through better health, education, personal development and leadership, his community involvement centers on these key aspects. He serves as Board Member for Appalachian State University's Walker College of Business Advisory Council, Blue Health Intelligence, GNS Healthcare, and IBM Watson Health Payor Advisory Board.


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The Hawaii Tropical Flower and Foliage Association, which Kalani Tropicals is a member of, is participating in the the Philadelphia International Flower Show. We shipped a variety of flowers for the displays. Among them: Lobster Claw 2, Early Bloom Beehives, Kauai Morning Sun heliconias…
If you're in Philadelphia, come and visit some of our flowers at "Hawaii: Islands of Aloha" – March 4 – 11. "The 2012 Philadelphia International Flower Show will introduce visitors to a tropical experience…… with the natural beauty and rich culture of the Hawaiian Islands."
Tags: Beehives, Flower Show, Heliconia, Lobster Claw, Philadelphia
Filed under Updates from the Farm
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Regular price
These 42% cacao milk chocolate chips are what you've been missing. Perfect for baking, embellishing, or just plain snacking, they're created using our most beautiful milk chocolate.
10 oz package
Ingredients: sugar*, cacao, cacao butter*, non-fat dry milk*, browned butter (milk*).
* organic ingredient
Allergens: Made in a facility that handles tree nuts, wheat, milk, eggs, peanuts, and soy


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Travel with us through this fine Land of OR
and learn how to choose unlike never before!
Come along on a fantastic adventure where readers of all ages can learn how to make great choices through Land of OR.
On this journey, you'll be joined by several exciting characters, including your Guide, a variety of Options, and the mischievous Yabbut. You'll explore the Canyon of WHY, cross the Stream of IF Then, and take other important steps as you learn to choose the Best Option for YOU!
Land of OR is for ages 5 and up, and is intended for everyone!
Offering FREE shipping in the US!
International Flat Rate Shipping $25.00 for one book. To order more than one book, choose the "Order More Than One Book" option to save on shipping and price.
Land of OR: 8.5″ x 11″ hardcover with 32 pages.
Library of Congress Control Number: 2015903327
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SVKM's Narsee Monjee Institute Of Management Studies (NMIMS), has announced admissions to B. Tech, BBA, B. Sc (Finance), B. Sc (Economics) and B. Com (Hons.) through NMIMS Management Aptitude Test (NMAT) 2014.
- Candidate must have passed 10 + 2 or equivalent exam including international IB Diploma (IB certificate awarded is not considered) with English as compulsory subject with Science or Science Vocational or B. Com (Hons.) programmes (applicable based on the UG course chosen)
- Candidates must have a minimum 50% marks in PCM for Mumbai campus application and 45% marks in PCM for Shirpur campus application.
- Those awaiting their 10+2 exam result this year may also apply.
- Candidates who have passed the 10+2 exam by doing a part-time course or through distance learning/correspondence/externally/open school are not eligible to apply for the courses.
- Candidates should present a single marksheet .
- Candidates who have passed with compartment are not eligible.
- In case of CBSE, ICSE, total aggregate percentage of online HSC marks should be mentioned, not best of four, five or seven.
- Candidates appearing for their final 10+2 or equivalent examination can also apply provided they should obtaining the required minimum cut off marks and also producing all the necessary documents, in original, within the given stipulated time.
- Those candidates who have passed, or, are appearing for 10+2 examination from a board/university where Grade Point Average is given, such candidates must produce in writing from the board/university concerned about the equivalent percentage for the GPA obtained.
- Candidate above 25 years of age are restricted to apply for undergraduate programmes.
- For IB & Cambridge Candidates called for admission counselling on the basis of NMAT (UG) merit list & who do not have final marksheet will be given "Provisional Admission"based on predicted score. Fees will be accepted from such candidate but their admission will be confirmed on submission of final marksheet if found eligible before the commencement of the programme.
- It is sole responsibility of the candidates to ascertain whether they possess necessary and requisite qualification for the admission to the courses at NMIMS.
- NMIMS reserves the right to alter the terms of eligibility without intimation to the applicants.
Duration of the undergraduate courses:
- B. Tech: 4 year programme.
- BBA: 3 year programme
- B.Com (Hons.): 3 year programme
- B.Sc. (Economics): 3 year programme
- B. Sc (Finance): 3 year programme
Test Structure of NMAT (UG) 2014:
- It would be an objective type of multiple-choice test.
- There will be no descriptive type of questions
- NMAT (UG) 2014 will comprise the following:
*Proficiency in English Language - 50 questions
*Quantitative & Numerical Ability - 50 questions
*Reasoning & General Intelligence - 50 questions
*Composite time of 120 minutes for all test together
For each question for which a wrong answer is marked, 1/4th of the marks allotted to that question will be deducted as penalty.
NMAT UG 2014 Test Centers:
- Hyderabad
- Delhi NCR
- Ahmedabad
- Surat
- Bangalore
- Indore
- Mumbai
- Navi Mumbai
- Shirpur
- Pune
- Nagpur
- Jaipur
- Lucknow
- Noida
- Kolkata
- Chennai
- Raipur
- Chandigarh
- Bhubaneshwar
- Patna
- Dehradun
- Panaji
Important dates:
- Last date for online registration: 25th April , 2014
- Call letters available on website for NMAT (UG) 2014: 5th May , 2014, 5 pm
- NMAT (UG) 2014 online test will be conducted on 10th and 11th May, 2014, between 10 am and 12 pm. Reporting time: 8:45 am.
- Merit List of candidates selected for admission on the official website: 6th June, 2014, 5 pm
- Counselling and payment of admission fees: 7th to 14th June, 2014
- Declaration of 2nd merit list will be available on the official website (if required): 16th June, 2014, 5 pm
- Counselling and payment of admission fees (2nd list): 17th to 23rd June, 2014
- Declaration of 3rd merit list: 24th June, 2014
- Counselling and payment of admission fees (3rd list): 25th to 30th June, 2014
- Commencement of classes and closure of admission: 16th August, 2014
Students must apply online. Registration fee of Rs 1800/- (non-refundable) by credit card or cash at Axis Bank or by demand draft must be made.
For further details and to apply click here
Stay tuned with Oneindia Education on: Entrance Exams, Admissions, News, Value Education, Online Courses


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Delta FF + Hejira KL600FF + CN250 in 1990!
Pete Lawrence's Delta 930 not long after it was finished, circa 1990, in company with Jan Nelder's Hejira KL600FF and the standard Honda CN250 Helix that I was testing at the time. Taken outside Pete's place at RAF Stanmore in North West London. This photo appeared in an article that I wrote about the Honda Helix/Spazio/Fusion for Grey Bike magazine, in the Summer 1996 issue. PNB
Photo & Text © Paul Blezard


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The great but incredibly difficult German philosopher Immanuel Kant, in a rare moment of clarity, wrote that all important human questions can be boiled down to these three: WHAT CAN I KNOW? WHAT OUGHT I TO DO? and WHAT MAY I HOPE FOR? The Advent and Christmas seasons focus on the last of these three questions. A … Continue reading Clouds of Glory
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LECTURERS at further education colleges across Coventry and Warwickshire are to be balloted over possible strike action later this month.
The National Association of Teachers in Further and Higher Education (Natfhe) is recommending its 42,000 members nationwide reject a 3.7 per cent pay rise.
Union leaders say the figure - the same as offered to teachers - will do nothing to reduce the huge gulf in pay between the two professions.
Members at colleges across the region - including Coventry's Henley, Technical and Tile Hill colleges, as well as North Warwickshire in Leamington and Nuneaton's Hinckley College and Warwickshire College - will be asked to return their postal ballots by September 21.
The result will be announced the following week and if the deal is rejected, a two-day strike will go ahead on October 3 and 4.
Darrall Cozens, secretary of Natfhe at Tile Hill College and chairman of the West Midlands region, said there were two issues central to the possible industrial action.
He said: "Teachers were offered 3.7 per cent as well but this will be funded nationally by the government whereas our deal will have to come from each individual college's internal efficiency savings.
"Although the rise is the same as teachers, it does nothing to close the gap in the difference of pay between the two professions and as it is a proportion of our wages, it in fact makes it bigger."
College lecturers can start on an average salary of #13,746, while teachers can earn a starting salary of #17,000.
If Natfhe members vote for industrial action, it will be the second strike this year following a one-day walkout in May.


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Willie Du Plessis Financial Services CC
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A financial planner is a trusted advisor who works with you to review all of your options so that you can make informed decisions about your financial situation at every stage in life.
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We are qualified to deliver integrated financial solutions that allows you to take control of your finances and achieve your life goals. Our Compliance to the Financial Services Board, The FAIS Act, General Code of Conduct as well as FIC Act are all monitored on a regular basis by Masthead (Pty) Ltd.
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Financial planning allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you pay off your mortgage faster or enhance your retirement significantly.
By viewing each financial decision as part of a whole, we will help you consider its short and long-term effects on your life goals helping you to adapt to life changes and feel more secure that your goals are on track.
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● Short term investments for a specific need (future education, deposit for a house etc)
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Does your Medical Aid Premiums make you sick?
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An FNA is used to establish how much you require in respect of a specific Health / Risk / Asset / Investment need. Utilising the FNA calculation correctly we incorporate your existing risk and investment benefits.
Insurance / Health Companies
We are contracted with over 50 different Life, Health, Insurance and Investment companies to tailor-make a product to suit your individual need.
You Deserve Personal Service!
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Willie du Plessis Financial Services CC is an Accredited Health Care Provider No: ORG 3953
Willie du Plessis Financial Services CC is an Authorised Financial Services Provider No: 43920
Our practices compliance to regulations set by the Financial Services Board of SA is monitored externally, on a regular basis, by Masthead (Pty) Ltd, an approved compliance practice. Their postal address is PO Box 856, Howard Place, 7450
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✓ Understand the effect of each financial decision
Each financial decision you make can affect several other areas of your life. An investment decision may have tax consequences that are harmful to your estate plans or a decision about your child's education may affect when and how you meet your retirement goals. Remember that all of your financial decisions are interrelated.
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✓ Start planning as soon as you can
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✓ Be realistic in your expectations
Financial planning won't change your situation overnight; it is a lifelong process. Remember that events beyond your control such as inflation or changes in the stock market or interest rates will affect your financial planning results.
✓ Realise that you are in charge
If you're working with a financial planner, be sure you understand the financial planning process and what the planner should be doing. Provide the planner with all of the relevant information.
Skype Address: willie.du.plessis30


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Nicole Krauss's third novel is a montage of four haunting human portraits, each soengrossing that the effect is of a spotlight switching from one character toanother. The object that connects her disparate cast—a magisterial desk thatpasses in and out of their lives—serves to shuttle us back and forth throughtime and terrain, while providing a fulcrum upon which Krauss balances storiesabout the power of writing to anchor and also isolate those who devotethemselves to it; the ebbs and flows of memory as it washes over a lifetime;and the tenderness and damage-dealing of the bonds between parents andchildren. As in her last novel, TheHistory of Love, the Holocaust is a caul through which her Jewishcharacters perceive the world and their place in it, imbuing them with a deep,dislocating sadness.
In The History of Love, Krauss ingeniously used a lost-and-found bookmanuscript to bring together a grab-bag of characters. Great House employs a subtler device, the towering mahoganydesk whose provenance is never revealed, and the connections between thecharacters are more oblique. After I finished the book I made a diagram so thatI could comprehend the crosshatch of human and temporal relationships. But themere co-existence of these characters, in Krauss's beautiful prose, is reasonenough to read this marvelous book. GreatHouse is a more sober work than TheHistory of Love. It depends less on the deployment of eccentricities andantics, more on Krauss's astounding capacity for creating empathetic and fullyimagined characters who, in the few pages allotted them, manage to relay thefull spectrum of happiness, anguish, anxiety, self-doubt, and hope that hascolored their lives.
The novel is divided into eight sections, each ofwhich presents a confession of sorts. Only at the end of the book do many (andeven then not all) of the attenuated connections among the storytellers becomeclear. We begin with Nadia, a writer in New York City, who inherits theaforementioned desk from a young Chilean poet before he returns to his homecountry and becomes one of the disappeared. From the moment the desk isdelivered, it focuses her struggle to balance art and life: "I didn't wantthe movers to leave because I was afraid . . . of being left alone with theshadow it cast across the room. It was as if my apartment were suddenly plungedinto silence, or as if the quality of the silence had changed, like the silenceof an empty stage versus the silence of a stage on which someone has placed asingle, gleaming instrument."
Eventuallya woman appears who lays claim to the desk. Nadia relinquishes it, and hersubsequent effort to reclaim it sets in motion a chain of events that willalter the lives of several characters in Israel, among them an antiques dealerpainstakingly reassembling his father's study, whose contents were scatteredthroughout the world after the Nazi occupation of Budapest in 1944, and afather and son groping to reconnect after the death of their wife and mother.There are other characters with their tales to tell, too. Isabel, who loves theantiques dealer's son, seeks to wedge her way into the tight familial vise inwhich he and his sister are clasped by their father—but to which they alsoacquiesce. And in England, Arthur Bender, the husband of a very private woman,begins to unravel her troubling past only after she slides into dementia. Foryears she sat at the same desk, writing the dark tales that made her reputationand saved her soul.
Krauss excels atincubating moments of human understanding—epiphanies, if you will, though thatword can suggest a cheap or easy realization, and Krauss's epiphanies feelorganic and earned—that resonate with readers as much as they do with her ownfictional creations. Take the devastating moment when Arthur suddenly sees thathis late wife's survival, of the Holocaust and then the life she madeafterward, necessarily limited her capacity to love him. "Herself-sufficiency—the proof she carried within her that she could withstandunthinkable tragedy on her own, that in fact the extreme solitude she hadconstructed around herself, reducing herself, folding in on herself, turning asilent scream into the weight of private work, was precisely what enabled herto withstand it—made it impossible for her ever to need me as I needed her."Krauss's remarkable achievement with GreatHouse is to atomize the essential isolation that is part of the humancondition and reflect it back to us in a way that makes us feel a little lessalone.


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Lost star Michael Emerson has been cast in the CBS pilot Person of Interest which J.J. Abrams is executive producing.
According to The Hollywood Reporter, CBS gave the greenlight to Person of Interest last week.
The one-hour crime drama was created by J.J. Abrams and screenwriter Jonathan Nolan. Michael Emerson will play a billionaire who works to stop violent crime along with an ex-CIA agent.


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Rockville, MD (PRWEB) August fifteen, 2013 2020 Foresight Report: The Impact of Anti-Money Laundering Restrictions on Prosperity Management &#thirteen Governments and regulatory bodies have taken many actions to suppress income laundering routines in the last 10 years. The phenomenon has assumed enhanced urgency since 20082009 when economies across the world, created nations in specific, have […]Read the rest of this entry »
SCOTTSDALE, Ariz. (PRWEB) July eleven, 2013 OneNeckRead the rest of this entry »
Former Goldman Sachs Exec Launches Hospitality Sector Asset Management and Transaction Advisory Firm
New York, NY (PRWEB) May eleven, 2011 This early morning, Steven M. Angel, a former Controlling Director inside Goldman Sachs Merchant Banking Division, declared the development of Fulcrum Hospitality LLC (Fulcrum), an asset administration and advisory companies company centered on the lodging and gaming industries.
 Leveraging Mr. Angels 20-additionally calendar year background in the […]Read the rest of this entry »
SAI Global to Host Webinar on Successful Coverage Lifecycle Management
Plainsboro, NJ (PRWEB) August 06, 2013 SAI Global Compliance, a top provider of governance, risk and compliance (GRC) items, services and technology, will host a totally free webinar on Thursday, August 8 at two p.m. EDT, to go over actions to develop a structured technique for managing the policy lifecycle and ensuring that policies are […]Read the rest of this entry »
Subject Asset Companies Announces Management Promotions
Austin, Texas (PRWEB) July 02, 2013 Field Asset Services (FAS), the nations foremost provider of inspection, pre-foreclosure, publish-foreclosure, assist services to the mortgage servicing business and household housing traders, nowadays introduced the pursuing management promotions: &#thirteen FAS is honored to have an amazing group that is focused to bettering our client knowledge and creating a […]Read the rest of this entry »
Launching the Superior Articles & Impression Management Characteristic for 24Seven Purchasing Cart Application
CA, Usa (PRWEB) July thirty, 2013 Each company, whether working in wholesale or retail, desires to broaden their organization functions from a single spot, city or region to another. Multiplying the enterprise operations has its very own innate demands. Creating up extra capabilities demand additional human resources, complex experience and require to administer infrastructure, functions, […]Read the rest of this entry »
Kemba Credit score Union Selects FMSIs Teller Management System to Enhance Workers Productiveness by way of Improved Scheduling, Such as Carefully Taking care of Employee Idle Time
Alpharetta, GA (PRWEB) July 30, 2013 Fiscal Management Options, Inc. (FMSI), a company of company intelligence options for financial institutions and credit score unions, announced nowadays that Kemba Credit history Union has adopted FMSIs Teller Management Program (TMS). The FMSI solution will allow the $ 575-million, Ohio-primarily based financial establishment to enhance scheduling of its […]Read the rest of this entry »
Asad Shamim Offers His Sporting activities Management Skills to Athletes
(PRWEB United kingdom) 28 July 2013 Asad Shamim, the owner of the productive furnishings enterprise undertaking, FurnitureInFashon, is supplying his expertise in sports management for athletes. With his enormous and comprehensive industrial expertise, he takes delight in working with some of the most high-profile and reliable athletes and premier brands in the entire world. He […]Read the rest of this entry »
Global Company Method Management Cloud, Mobile, and Designs Marketplace is Expected to Reach USD 8.three Billion by 2019: ResearchMoz.us
Albany, NY (PRWEB) July twenty five, 2013 Researchmoz offers this most up-to-date research on Company Procedure Management (BPM) Cloud, Mobile, and Patterns: Marketplace Shares, Techniques, and Forecasts, Worldwide, 2013 to 2019. The report focuses largely on quantitative market place metrics in get to characterize the expansion and evolution of the Business Approach Management Industry.
 […]Read the rest of this entry »


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Festivals are never going to be the most cleanly of places are they? And if you're thinking you'll have a quick shower whilst you're there in the weird port-a-potty style things they set up, then be prepared to be a little disappointed. Even in the staff areas some of the showers can be reminiscent of standing under a dribbling gutter with a room temperate drizzle of water tricking over you. Some showers can be ok, if you sneak behind the main stage for example (but shhhh, you're not really meant to go there), but if you aren't really sneaky sneaky, how else can you stay clean at a Festival?
As mentioned (to death lately) I'll be heading to Leeds Festival next weekend – hurrah! I've already shared some Festival beauty tips, so I thought I'd share a few things I'll be packing to make sure that apart from looking flawless all weekend (scoff), I don't let myself down by smelling like a rotting corpse by day two.
Staying Fresh at a Festival
Facewipes: Beauty bloggers everywhere talk about face wipes like they've murdered their cat and smashed their marble background for pictures or something. Apparently face wipes are bad for your skin, but for the sake of 4 days in a field I'm sure we can agree that they have their uses. If it's sweltering heat they perfect for refreshing your sweat moustache and giving your face and pits a quick refresh, and if it's raining there'll be mud. So face wipes come in handy for quickly wiping your hands on when you can't get your muddy wellies off and have to wiggle your feet out using your hands.
Mio Clean Slate Wipes: I'm so excited that we have Mio and Mama Mio products at work now! It's been brilliant to discover more about the brand over the past few weeks and we've even had the pleasure of meeting one of the founders, Sian Sutherland to learn pretty much EVERYTHING there is to know about the Mio skincare range. Anyway, the Mio Clean Slate Wipes are PERFECT for festivals, as they're basically a shower in a sachet. Safe enough to use on the face or body, the mint and cucumber formula is refreshing, moisturising and cleansing in one swipe!
Micellar Water: Removing make up quickly and easily with micellar water is your skin friendly option for not just festivals but for, well, life. Now the Garnier micellar water comes in a handy travel size, it's perfect for throwing in your rucksack with some cotton wool pads. Excellent.
Avéne Eau Thermale: If you've taken a secret shower strike for the weekend and using the mio wipes or facewipes to keep your body fresh, then a water spray like the Avéne one is perfect for helping you to feel even more clean. If the sun actually shows its face at any point, this stuff is also great for cooling down.
Pump It Up Dry Shower Foam: Finally, I spotted this in Boots for £3.99 and thought it was worth giving a go. A bit confused as to why the coconut version is marketed to men (or that there's any gender difference between the rather gender neutral scents), but it smells amazing all the same. It's basically just an antibacterial foam, a bit like the hand ones you can get, but for your whole body. I had some coconut scented hand sanitizer from the Body Shop a few years ago and this reminded me of that, which made me actually like using hand gels. Not sure how much I will use this, but if I only use it for my hands it still won't be a wasted purchase.
-What are your tips for staying fresh at a Festival?-


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Of all the Kardashian-Jenner-Wests on social media, the one who takes the crown across all channels is 18-year-old Kylie Jenner. The youngest of the clan boasts more than 51 million Instagram followers in addition to countless views and fans on her Snapchat (@KylizzleMyNizzl). And the girl with the trademark pout is quickly rising in the fashion ranks. Having walked in brother-in-law Kanye West's Yeezy shows the past two seasons, this time around Jenner took a break from the catwalk to sit front row and launch her line with runway regular and older sister Kendall. Here, Jenner documents a typical Fashion Week day in the life—in her life, anyway: from fittings, pap attacks, and Today show appearances to the view from the Madison Square Garden front row. Try to keep up, if you can.
Find out who Kylie, Bella, and Lottie would shag, marry, and kill:


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I'll accept that "cables make a difference" in certain situations. Cable length, interference, and corrosion can effect cables, especially analog signals, and I've seen some improvements in using higher-end cables on higher-end gear. This, however, is unacceptable. Gizmo Republic visited a big box store where they found some red hot Monster HDMI cables for sale and demo showing the clear Monster Cable difference: Monster on the left, inferior competitor on the right.
Why was the competitor inferior? Because the big box sales folks connected composite cables to one TV and a Monster Cable HDMI cable to another. They then ran the same signal to both TVs over different resolution cables. It would be like adding racing stripes to a Formula 1 car and racing a Ford Focus, saying that the racing stripes improved the speed. This is so egregious that it makes me wonder how they're getting away with it but, as we all know, suckers gestate in sixty second intervals.
Monster brand has been running this scam for years. The big box retailers have found outrageously priced accessories to be a good way to recoup profits from the pencil thin profit margins on big ticket consumer electronics like HDTVs.
Everyone deserves their buck, but this makes me sick. Be careful out there, kids.
Monster HDMI Cable Scam [GizmoRepublic]


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In 1992, my father, uncle, brother, and I founded a manufacturing company. I have run various departments. But ultimate control has always remained with my father, who has never involved me in any major decisions. There is a definite lack of trust in my abilities, and he has stubbornly refused to discuss these issues. Should I walk away and start afresh? Or is there a way to salvage the situation?
Niteen Sharma
Trueshape Engineers, Mumbai, India
"Parents," said the English writer Samuel Butler, "are the last people on earth who ought to have children." Some parents are also the last people who ought to employ children. There are plenty of family businesses in which members spend more time pushing one another's buttons than pushing buttons on the shop floor. Your father may be running the company the way he ran the family when you were a child, and that dynamic is probably so ingrained as to be immutable. "At this point, he is probably happy with who and what he is," says Quentin Fleming, a family business expert at USC's Marshall School of Business. "You'll drive yourself crazy trying to convince him to change."
Unlike their younger selves, adult children in bad situations can choose to leave. Do so. It will get dad's attention, and could get him talking. Plus, it will diversify your resumé in case the company doesn't become more family-friendly. But be sure to leave bridges uncharred as you're bidding farewell. "It's important to phrase it as, 'I want to leave to try something else,' not 'I've got to get out of here because you're ruining my life," says Fleming.
If you do hang on, try moving your relationship onto a more professional footing. Follow the lead of Dennis Sponer, CEO of Las Vegas-based ScripNet, whose mother owns 50% of the company. "We're both people who like to run things," Sponer says. To keep blood out of the corporate waters, Sponer has drafted some formal rules of conduct, and he recently hired an outside mediator. Now, "when my mom says, 'You ungrateful son...!' the mediator says, 'No, let's stay on track."
Three years ago, my property rental business filed Chapter 11 bankruptcy. I retained the majority of the property and have made payments on time and paid all secured creditors. How long before the financial community will take me seriously and loan funds for new property acquisitions?
John Allen
Management Partners, Atlanta
Repaying your creditors on time is the first step to restoring your image with potential lenders. Even so, most traditional banks won't deem you loan-worthy for at least five to seven years after a Chapter 11 filing. Bringing on a partner with a spotless credit record or securing the loan with 100% cash in a CD may hasten your return to grace. Good deeds in other areas--such as getting and keeping up with a car loan--can also demonstrate your worthiness, says Dana Drago, president of Bank of America's small-business division.
Your ace in the hole is real estate: Many mortgage lenders and financing companies are happy to loan money backed by property rather than by cash flow or other typical gauges of credit-worthiness. Of course, these companies take greater risks, which means higher rates. Finally, you must understand why you went bankrupt in the first place. Drago suggests retaining a good financial adviser to help you set realistic expansion goals for your new business. With such checks in place, you're less likely to stumble again.
I recently started a video production business and am strategizing the best way to get clients. I have been cold-calling with very little success. What is your advice on securing new clients?
Jeff Borg
Serena Productions, Portland, Oreg.
First, come in from the cold-calling. Such tactics get a chilly reception for good reason: They're intrusive and don't engage potential clients at times they might actually need your services. Plus, they make you appear needy. No wonder the tactic has such an abysmally low success rate.
Cold-calling treats prospects as strangers: A better approach is to make them your friends--or at least acquaintances. Target a small group of people on a personal level, then let word of mouth do your proselytizing for you, advises Deborah J. Marlor, CEO of Boise-based DJM Sales & Marketing. Get to know the businesses in your area that require video production services--event planners, caterers, wedding-industry vendors, and the like. "Focus on the most influential people," says Samantha Ettus, president of Ettus Media Management, a New York City branding firm. You might take the doing-well-by-doing-good tack and offer your services, gratis, to local charities, Ettus suggests. That will expose a population of influential businesspeople and community leaders to your work, and potential clients involved in those causes will feel all warm and toasty about you when they need video services of their own.
LOOKING FOR ANSWERS? Stumped by a thorny business problem? Let Inc. help. Send your questions to email@example.com. We'll consult with experienced entrepreneurs and savvy advisers, folks who've been where you are and figured out what works and what doesn't. If you don't like what we have to say--well, you can tell us that, too.


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As demand for cryptocurrencies grows, need for regulation also grows. Like everything, there are pros and cons as to why digital assets should be subject to regulation. Government regulations could be a part of the problem or a part of the solution. When done well, they are not against the crypto space, but part of the dream to create a long-term blockchain and crypto space!
Definition and Regulation of Digital Financial Assets
Regulations of cryptocurrency industry are coming to Russia! On Tuesday, May 22nd, State Duma approved the first reading of new laws regulating the crypto industry. This important draft purposes to regulate creation, issuance, storage, and circulation of digital financial assets.
Anatoly Aksakov , Chairman of the Financial Market Committee, who presented the bill at the plenary meeting said: "by defining the new concepts we will to some extent provide legal protection for those who use these tools, since the very understanding of crypto-tools as property already provides an opportunity to protect their property rights to a certain extent in legal disputes."
The new bill was approved almost unanimously with 410 deputies voting for the bill and only one against.
The official statement about the bill informs us that, "these specifications determine that both cryptocurrency and tokens constitute property, identifying key differences between cryptocurrency and tokens on the basis that there is a single issuer for tokens or a variety of issuers and miners for the cryptocurrency, as well as emission goals."
This is very important detail because digital financial assets are about to finally have its legal basis. Also, the clear legal distinction between cryptocurrency and token was much needed.
ICO Regulations
Amongst other things such as smart contracts and mining, new bill also deals with Initial Coin Offerings (ICOs). The legislative initiative established the sequence of actions necessary for the implementation of the procedure for issuing tokens. It is decided that the release of the tokens is carried out on the basis of a public offer, the composition of the information is determined by the bill and the need for disclosure of additional information by the person issuing tokens.
Any person willing to launch an ICO in Russia now will have to fulfill certain important requirements. This will surely minimize the chance of scam ICOs emerging and erase a certain level of uncertainty in the field.
The enactment has gained mixed opinions from government authorities. There is a certain level of distrust towards regulations of the crypto sphere but it is nonetheless an important step towards creating a safe and rewarding environment. After the initial criticism Igor Sudets, a member of the Duma's expert panel on digital economy and blockchain admitted that "it is important that cryptocurrency and tokens are included in the legal field of the Russian Federation."


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CVP's Modernization Framework: Make the Shift to Continuous Everything (Pt. 1 of 3)
CVP's Modernization Framework
As time marches on, IT systems are becoming more and more critical to the daily operations of businesses and governments. Many organizations would cease to exist, or be financially viable, if their systems were removed. Unfortunately for the operators of these systems, the rate of change in technology is accelerating, leading to a situation where these systems must not only be extremely reliable but also very flexible.
With the complexity and criticality increasing, the traditional way of supporting and enhancing a large, monolithic system is extraordinarily difficult. Here at CVP we have seen that many of our customers have had to re-architect or modernize their monolithic software applications so that they can meet new business needs.
CVP helps our customers establish and maintain a modernization program to overcome these challenges, as well as lay the foundation to prepare for the future: an autonomous computing environment (e.g., self-healing systems) with scalable adaption (e.g., instantly available servers in the cloud), and an API-first, open arrangement. Our modernization framework has been refined over the years to help our customers adopt quality DevOps practices, including Agile development, modularize systems, consolidate infrastructure, and migrate to cloud computing.
Our framework uses a three-prong approach, which we will be discussing over a three-part series:
- Make the Shift to Continuous Everything
- Slay or Split the Monolith
- Build an Adaptable Infrastructure
Make the Shift to "Continuous Everything"
What is "continuous everything"? First, we see two factors primarily driving the requirement:
Change Acceleration – Recent inventions like smartphones and the world wide web are becoming ubiquitous much faster than in the past. Whereas an organization might have previously been able to deal in multi-year roadmaps, that level of predictability can no longer be assumed.
Advancements in processes and technology – Ten years ago, the typical software development project used computer code to automate a business process, but the process of software development was still very manual. For example, I might change one feature in my code and create a new build of the software, but I would have no idea how it was going to work without manual, expensive testing. After testing, I needed to figure out how to install it on a production system that wasn't necessarily configured to the same specifications.
These two factors lead us to a series of must-have continuous processes like:
- Continuous Integration – As programmers complete a piece of work, their product should go into a version control system where automation takes over and does tasks like automated testing and static code analysis. This not only enforces good practices of code version control, but also automates some of the quality assurance work.
- Continuous Delivery (and eventually deployment) – When a build passes testing, it should automatically be prepared for environments downstream like test, and even production. This removes the delay of doing manual releases, and also reduces risk associated with any release planning. In teams that get comfortable with this arrangement, you can configure the automatic deployment to production ("continuous deployment") and even automatic rollback of a failed build.
- Continuous Monitoring – In order to handle alerting of problems before they become worse, system monitoring software should be put in place. Allowing IT personnel to view the current state of a system, reduces risk of downtime, as well as increases confidence in system performance long-term. For example, most systems should have automated monitoring of CPU for high utilization and disk space for potential exhaustion. Similarly, business users likely want to know the number of users online and the average response rate to gauge overall user experience.
- Continuous Testing – Automated testing doesn't only have to be for the development process! Once your development team has created tests for conditions that should never exist, identify a subset of them that would be valuable to run against production to proactively check for problems. For example, if you have a system that should load new data every morning from an external feed, have an automated test run at the beginning of each business day to verify this happened. Any time a problem happens in production and it is fixed, try to come up with a way to proactively test the user experience. To really shine in this area, you can automate the feedback loop from your testing process, such that it triggers a rebuild of a problematic component. For more information, see part three of this blog series where we discuss "pets vs. cattle" and immutable infrastructure.
- Continuous Pulsing – Similar to monitoring of systems, monitoring of processes is instrumental in their success. As part of our Assess, Define, Act, Pulse, and Transform (ADAPT) methodology, we recommend all team members have routine check-ins to see how their work is going, what should be improved upon, and identify how the improvements can be injected back into the process. All of this is done within a continuous loop of improving the process. We do this both for our project teams, but also in general for all CVP employees to ensure all facets of an employee's role is going well.
by Raj Hegde, Cal Zemelman, and Shamaa Ahmad
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Rehabilitating a city sewer system with centrifugally cast concrete pipe!
About 18 months ago, when he was just settling into his new job as Storm Water and Conservation Superintendent of Hays, Kan., Nicholas A. Willis decided to take a closer look at the storm water sewers underneath the picturesque brick streets in the city's center. He knew from records that the sewer was 48-in. arched corrugated metal pipe (CMP), and a little over 50 years old. Because that is nearing the maximum lifespan for CMP, Willis was not expecting to find pipe in perfect condition. Still, what he did find surprised him.


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Governance Professionals of Canada (GPC) announced the shortlist for the 2017 Excellence in Governance Awards/Prix d'excellence en gouvernance (EGAs) at its 19th annual conference in St. John's, Newfoundland.
The winners will be announced at the EG Awards gala dinner on Thursday, November 2, 2017 at the Carlu in Toronto.
Lynn Beauregard, President, Governance Professionals of Canada said, "I was thrilled with the increase of nominations this year – I think that this underlines the growing importance of these awards and the need for recognition for good governance practices. In this age of disruption and turbulence, organizations want the acknowledgment they deserve for what they are doing right and winners of these awards send a clear message to their stakeholders that they are organizations who value excellence in their governance."
GPC received over 80 nominations this year from organizations across all sectors. The shortlisted nominees, organized by category, are presented below:
GPC thanks the following individuals who volunteered a considerable amount of time and effort in reviewing all of the submissions for the shortlist:
The final judging panel is now in review of the shortlist companies. The panel is composed of seasoned and well-respected governance experts from across Canada and include:
To attend the awards ceremony, you can purchase tickets on the GPC website, http://gpcanada.org/event-2607798. The Governance Professionals of Canada is recognized as the most important organization for corporate governance professionals in Canada.
As the principal advocate for those who work in corporate governance, GPC strives to enhance the public's awareness of the importance of good governance. GPC is the voice of corporate governance professionals in Canada and participates with other stakeholders, including capital markets participants, government bodies and regulators, in fostering a governance environment that sets Canada apart in the world. GPC supports its membership with continuing education and networking opportunities that are second to none.
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© 2016 Governance Professionals of Canada
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The seven hours it took to drive to Winthrop, Washington, felt more like seven minutes. Mauri and I love a good road trip, and the changing topography along the route kept us well entertained. And then we were there!
"There" is here, visiting brother DK. He met us on the way to feed the horses. That's roadkill on our windshield. DK (a.k.a. Daryl) is both a professional yacht captain and a cowboy. Quite the combo! We intended to visit Stacey too, but she was called out of town for work.
My selfie with Belle Star and Miss Kitty.
Once the horses were fed, we headed up to the house to meet Usha. Get used to seeing pictures of Usha, DK and Stacey's French mastiff (think Turner and Hooch), because I had a hard time narrowing my pictures of her for this post. You'll see why in a minute.
These beauties provided us with delicious breakfast eggs.
DK built this coop for them.
Let me tell you, chickens never had it so good. Their house has more amenities than ours.
DK showed us more of his spread—next the barn.
Two years ago this was just a piece of land. Gradually a house and barn were built, each step with thoughtful intention. DK and Stacey lived in a motor home on their property while DK built all of this (at the same time commuting to the company yacht whenever it scheduled to sail).
One section of the barn is dedicated to DK's shop. Talk about a "chip off the old block"! I'd give anything for his dad to see this.
That's the house up on the hill. You still haven't had a good look at Usha.
Here's a better look. Designed for all seasons. That far north, winters include lots of snow. Which, I might add, is one reason the Williamses are drawn to live there. Cross-country skiing is big in these parts. Many miles of trails, and some welcome dogs.
The home itself is quite lovely. This big open room has more space behind me plus two bedrooms, two baths off the back.
The general living space looks out over the valley.
Which, as you might imagine, was where we spent the majority of our time.
Every now and then we'd go inside. Like to sleep.
We did go out and about. The horses needed to be moved to pasture.
We walked the downtown, stopping in a store or two.
Usha goes wherever she wants to go. In this case she wanted a drink of water. I guess that's reasonable, not that you ever reason with Usha.
She didn't think much of being forced to ride in the back to make room for the humans in the cab.
My view from the window of our lunching location at Sun Mountain Lodge. Not too shabby.
Back at the ranch, I thought I'd stretch my legs and work off some of my lunch. Cameras in hand, I hoped to get this view of their place.
I hope you appreciate my effort. This final hill might not look like much, but it sure challenged my sea-level heart and lungs! Huff Puff.
I was grateful for lots of these along the way. I could take frequent breathers and look like I was admiring the balsamroot.
And then it was time to say goodbye. DK was heading back to the boat, so we scratched this girl behind the ears and headed south.
We took our time, stopping whenever we saw a bakery or coffee roaster or a sign like this one that says "Established in 1945," which I was.
Twisp was in the news a year or so ago when fires raged in the area. We witnessed much of the after effects.
After an overnight in The Dalles we decided to drive home on the Washington side of the Columbia River. It was my first time to do that (Mauri has much history in these parts) and it was a totally different experience.
Just look! River and mountain views. Gorgeous!
And some fun short tunnels through the rock wall. Can you tell I enjoyed all of it?
My dear man will do just about anything for another meal from Podnah's. And that Washington route led us directly to it. Imagine that!
There was one more highlight about our trip home, but I'll save that for another day. Thanks for coming along on our road trip. Next time you should go with us!


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Perspective is nothing if not life changing, a fundamental shift in the train of thought that you base your values on. As I get older I am embracing new perspective more and more. I crave it. I want my mind changed. I want to grow. I want to understand more and see the world through eyes that are not mine.
I feel that there is a rising up of new thinking that creates more inclusivity within society. People are not afraid to stand up. The time is always 'now' for the forward thinkers. The people that say, "If I'm not the voice then there is no voice. If I don't make change for the future thinkers of the world then we will never change."
I want to be part of change. I want to say I made a difference to a better world. A world where more people are letting other perspectives influence their thoughts and actions. Having the openness to not being right all the time. Believing that there is always a way of doing something that has never been thought of.
Supporting those that are brave, especially if what they represent is a perspective that eyes have never seen, is all about opening your heart to others. Vulnerability is always seen as a bad thing. A thing that makes someone weak but, vulnerability is what changes the world. It's that one person standing up to say "I think, feel, or want things to be different and here's why. Let's find ways together to make it so."
These brave people and those who support them are my heroes. It simply starts with listening. Truly listen to what others have to say. So what do ya say, wanna change the world today?!


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Michael Strahan might just be the most popular television personality going, but that's no surprise to Fox colleague Jay Glazer, who considers Strahan his best friend.
"He has the one thing you can't teach: Everybody at home feels like 'he's talking to me.' He's so inviting," Glazer said.
Glazer started covering the Giants early in Strahan's career and they quickly became friends. The two did an appearance at a New York-based synagogue, long before Strahan became a star player, and Glazer could tell Strahan had the "it" factor.
"I asked [Strahan] to come to a friend's synagogue, and he slayed it," Glazer said. "I looked at him and I'm like, he's amazing. He lit these people up, same way he does today. Never changed. He gets it more than anybody. He's so incredibly driven. I think he'll own an NFL team one day. He has so much stuff going on, and everything he touches turns to gold."
Strahan now is the co-host of "Kelly and Michael," the ABC morning show. He makes regular appearances on ABC's "Good Morning America" and is on the Fox NFL show on Sundays during the NFL season.
Strahan took the rare step of having a media person present him at Saturday night's Pro Football Hall of Fame induction ceremony. It was a touching tribute for Glazer, who said, "It's the greatest moment of my career, for me to be up there with my brother."
Glazer, who started out writing for a weekly publication, said Strahan helped him throughout his career, especially at the start.
"He used to drive me back into Manhattan," Glazer said. "I couldn't afford bus fare back and forth to Giants Stadium. I could only afford a one-way ticket. I used to make him drive me into the city every single day. I was such a knucklehead. Let's say I had a date and he was getting treatment or watching film. I'd say, 'Dude, let's go. I got a date.' He'd say, 'Jay, are you kidding me? Why do I deal with you?' I said, 'I don't know, but you do. We gotta go.' I owe him seven years of Lincoln Tunnel fare."
Glazer said Strahan was especially helpful when the Giants had training camp in Albany.
"I was staying at my cousin's fraternity house in Albany, and it was a burned-out crack house because hadn't taken it over yet. I couldn't afford to stay anywhere at the time, because nobody was paying me. So I go to this house, there's a burned-out couch, the TV's turned over. I got no bedding. I used my clothes as bedding. In the middle of the night, this 6-7 crackhead breaks through the window, and I'm sitting there. I threw an Arizona iced tea bottle at the dude, and he goes back out the window.
"I tell Michael about it, and he gets me a steak knife to protect myself, and takes bedding from the Giants' dorm and smuggles it out and brings it to me. He still owes the Giants $22 in bedding."


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January 13, 2014–The New England Book Festival has recognized The Portsmouth Alarm as the 2013 Runner-Up in the category of Young Adult Fiction! Visit their website to see a complete list of the festival's award-winning titles. http://www.newenglandbookfestival.com/winners2013.html
NE Book Festival 2013 YA Fiction Award!
January 13, 2014 Leave a Comment


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Lori Bonn February Lovefest Bonn Bon
February baby, the month you were born is all about love. So get in the spirit by loving what's on your wrist ? We know you will love, love, LOVE this amethyst birthstone charm. Created by Designer Lori Bonn, Bonn Bons are a collection of slide charms hand crafted of sterling silver and gemstones.
Get your starter bracelet and stoppers
- Details:
- Stone: Amethyst
- Ring Factor: +2


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- Home
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- Contact Us ▼
The JetPak Therapy System allows you to decide how your relaxation experience should feel. Bullfrog Spas are built differently than every other hot tub. JetPaks allow you to customize your spa with the massages that you want. You can inter-change the JetPaks within the seats of your spa at any time, and upgrade your spa whenever a new JetPak comes out. You will never feel like you're stuck with the same old standard jets. Each JetPak is unique and offers a unique hydro-massage sensation. Choose your favorite JetPaks today!


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|Beeswax Candle Selection
|Who is Le Saucier Ltd?
|Order Form
This is exactly how we feel since we started our Sunshine Beeswax Candles® in mid 2000. We are supplying upmarket shops, pharmacies and various aromatherapy centres in New Zealand with our quality product. We executed numerous export orders to Australia, USA, and Germany. Last not least we have had genuine inquiries from the United Kingdom and other European countries. They all show great interest in our product.
We sincerely believe that our cost competitive prices speak for themselves, and in many instances we can supply airfreighted candles to overseas shops at lower prices than a locally made product. Not too bad for a small company from New Zealand!
All our candles have been hand-crafted by using 100% beeswax, which burns in an "environmentally friendly" way and does not emit toxins like paraffin candles. Many who are sensitive to paraffin find they can burn beeswax without a reaction.
However, some variations in colour are inevitable, which are likely the results of the length of time wax has remained in the hive, the pollen source the bees have visited, and the type of honey made in the hive.
Burning Properties:
|Candle Selection
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text: 20.04.11 Audio-Technica adds voting module for ATCS-60 AUTHOR: Inavate AUDIO playSHARE VIDEO The new ATCS-V60 is an external voting module, which can be added to existing ATCS60 installations. The five button configuration allows for some flexible voting options, as well as Yes/No and Yes/No/Abstain votes.Up to 150 voters can be handled by a single system. The supporting software is free of charge, and voting results can be exported as CSV files. AUDIO


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Hours of Operation
Mon - Fri 11:30am - 4:00pm
Sat - Sun 10:00am - 4:00pm
Sun - Mon 5:00pm - 10:30pm
Tue - Wed 5:00pm - 11:00pm
Thu - Sat 5:00pm - 11:30pm
Halfa is celebrated all over the Middle East and Israel, when family and friends get together to celebrate and share food and happiness. Traditional halfa starts with spread of mezze, dips and salads, followed by a variety of grilled meat and fish. Barbounia's team would like to introduce this unique cultural experience and invite you to share food with your friends.
Chickpeas, Tahini, Zhoug, Olive Oil
Shaved Radishes, Za'atar, Sumac
Salted Fish Roe, Red Onions
Crushed Tomatoes, Jalapenos, Garlic, Olive Oil
Parsley, Garlic, Olive Oil
Red Peppers, Zhoug, Olive Oil
Warm chickpeas, hardboiled eggs, salsa verde
Ground chickpeas, parsley, garlic & tahini
Kefalograviera Cheese, Dried Apricot & Metaxa Brandy
Tahini, pinenuts, parsley & lemon juice
Garlic confit, fresh oregano, cardamom, sizzling in extra virgin olive oil
Romesco, spcy labneh, za'atar & lemon
Fingerling potatoes, red onion, bird-eye chillies, oregano, olives & labneh
Shaved cucumbers, radishes, red onions, kalamata olives, zaatar tuile & Greek feta
Cucumbers, tomatoes, onions, parsley, fresh mint, sumac & lemon-tahini dressing
Shaved radish, Moroccan almonds, watercress & Gorgonzola mousse
Arugula, grilled zucchini, roasted peppers, tomatoes, crostini & almond pesto
Kalamata olives, haricot verts, tomatoes, roasted peppers, white anchovies & hardboiled egg*
Baby arugula, grilled red onions, tomato & cilantro aioli
Smoke aioli, carmelized onions, baby arugula & New York white cheddar
Tahini, tomoatoes, cucumber salad and crushed tomatoes
Tahini, tomatoes, cucumber salad & amba
Tomato sauce, fresh mozzarella & basil
Tomato sauce, basil, fresh mozzarella, baby arugula & prosciutto de parma
Kalamata olives, charred onions, basil & mozarella
Tomato Confit, Shallot & Green Tahini
Broccoli rabe, lemon potatoes & salsa verde baked in brick oven
Baby Carrots, Sunchokes, White Beech Mushrooms, Sage & Farro Tabit
Roasted tomatoes, grilled onions, tahini & pinenuts covered with flat-bread & baked
Wild mushroom, sage & reggiano
Baked eggs with tomato sauce, paprika & garlic. Add Merguez $3.00
Mon - Fri 11:30am - 4:00pm
Sat - Sun 10:00am - 4:00pm
Sun - Mon 5:00pm - 10:30pm
Tue - Wed 5:00pm - 11:00pm
Thu - Sat 5:00pm - 11:30pm
For private events email email@example.com


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The best advice that I ever received was to never let anyone sign checks in your practice other than you as the owner, and never let anyone open your mail. This advice was given by a lecturer at a CE on avoiding embezzlement at your practice.
Because all levels of MVMA membership have access to this forum, and for the benefit of the next generation of practice owners, please share the best piece of financial advice you've received in your career.
2144 Commons Parkway
Okemos, MI 48864-3986


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Jersey Downsize
If you've lost weight through training, we'll help the new you into a new jersey, with 50% off a smaller size of the same style.
Free shipping on orders over NT$4,500.00 with free returns
Sorry, we couldn't find any results for your search.
Special edition Rapha wash bag made from fine, full-grain leather. The bag is finished with individually polished metal zip teeth and the pullers are made from thick stitched and riveted leather. The wash bag is lined with a wipe-easy lining decorated with the Rapha sprocket print.
"It's the type of design that both holds your toiletries and never goes out of style."
Gear Patrol: The 15 best DOPP kits for any style and budget »
12 ReviewsRead Reviews
If you've lost weight through training, we'll help the new you into a new jersey, with 50% off a smaller size of the same style.
Rapha Classics products come with a 30 day no-quibble riding guarantee. If you're not totally satisfied, return your worn Classics product for a full refund.
Crashes happen. If one does we'll repair your garment for free to get you back on the road.
Thank you for your request. We'll contact you when your Leather Wash Bag is available.
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Pricing is something many businesses struggle with, and MSPs are no exception. Price your offerings too high, and you might not find a great market for you. Price too low, and you might be hurting your own margins. Right now, the industry still offers enough flexibility that there are a number of different managed services pricing strategies that work. However, it's important for MSPs to be aware of the benefits and drawbacks to each. Which pricing model is best for you? Let's discuss.
How to Choose the Right MSP Pricing Model
There's really no right answer when it comes to MSP pricing models, as the industry isn't quickly moving toward any unified standard. The important thing to do when it comes to figuring out your pricing is to first do your homework and understand all of your costs:
Cost of delivery = The tools you use + the time spent by technicians
Cost of your tools = The cost you pay to use your software tools (RMM, antivirus, cyber security, etc.)
Cost of your techs' time = The time it takes to analyze, troubleshoot and remediate an issue. The time it takes to answer service desk calls. The time it takes to set up, maintain and administer a server.
There are a lot of costs that go into setting up, fulfilling and maintaining your services. Make sure you understand all of these costs, break them down and evaluate all of your options to minimize these costs.
Cost of selling = What does it cost you close a new customer? (i.e. salespeople's salaries, commissions, marketing expenses, etc.)
Typical sales cycle = Time is money! The longer it takes to sell, the more it's costing you.
Outsourcing considerations = Is it more cost-effective to outsource?
Try to determine an average cost per customer or average cost for different service levels that you offer. Once you have these baselines, it will be much easier to choose a pricing model.
Remember: In order to be profitable, you must first understand your costs and then mark up your services from there.
The Old Standards
In the early days of managed IT services, pricing models typically fell into one of two categories:
Tiered pricing, which provides customers with an option for the service level that best suits their needs (i.e. gold, silver, bronze). These tiers are structured at a price point that meets the necessary profit margins from an MSP standpoint, while still giving clients the choice of a few different packages.
À la carte allows customers to pick and choose the specific offerings that work best for them and design a customized package of those services. MSPs typically assign a simple mark-up to each item so they ensure that they make a profit.
While many MSPs still use these pricing models, there are some definitive drawbacks. In both tiered pricing and à la carte pricing, the customer has to choose from among several individual options, which can be confusing even with guidance from the MSP. This may also extend the sales cycle significantly and make it harder for salespeople to close new business. Additionally, the majority of customers will tend toward the cheapest item on the menu instead of the most appropriate and effective combination.
There are also a number of other issues with a la carte pricing that MSPs should be aware of.
New Pricing Models
More MSPs are trending toward different pricing models these days. Market data from MSPmentor shows that the most popular pricing model currently is a combination of per-user and per-device pricing (44% of MSPs use a blended approach).
Per-device pricing remains popular, although it's uncertain how long this will be the case. Since so many individual users work on multiple devices, a per-device model might become a turn-off for clients in the future.
Per-user pricing is becoming more popular, as this pricing model helps simplify service level agreements (SLAs) and can be adjusted to compensate for multiple devices.
Flat rate pricing is another option for MSPs. Gary Pica, CEO of TruMethods, jokingly calls this the Chocolate Cake pricing model; rather than selling metaphorical sugar, flour and eggs as separate components, you just sell the whole cake as a single experience.
It can be a tricky balance trying to find the right pricing model that is profitable, easy to understand, and also customizable enough for your clients. This is why a number of MSPs are adopting a hybrid-type model and frequently bundling services to protect their margins.
Bottom line: if you understand all of your costs and work with your clients to understand what models are best for them, you will be able to find pricing success, making it easier for you to grow your business.
3 Key Factors That Impact MSP Growth Margins
By Lily Teplow
5 Ways to Optimize Your MSP Marketing Communications
By Courtney Swift