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My Life in Treasury
An Interview with Christof Nelischer, Global Group Treasurer, Willis Towers Watson
Christof Nelischer, Global Group Treasurer of Willis Towers Watson, is well-known to many readers following an illustrious and varied treasury career both in Germany and the UK. In this feature, Christof shares some of his experiences so far with Helen Sanders, Editor.
How did you come into treasury and what attracted you to the profession?
I joined treasury really by chance when I left university in 1991/2. I came across a position in a relatively small corporate treasury function at Heraeus in Germany where the treasurer was looking for a 'right hand man'. Although I hadn't really considered treasury before, I enjoyed the role and it marked the start of my career in treasury.
How did your career progress through to the role that you hold today?
I spent around four and a half years developing well-rounded treasury experience across risk management, cash management, capital raising, trade finance etc. at Heraeus but I realised that I had reached the end of my learning curve with the company. I therefore made the decision to move to Kellogg's where I became European treasurer. Although the role was a new, regional treasury function, it was an opportunity to develop a broad and diverse role combining both operational and strategic responsibilities, including cash and banking, treasury technology etc. However, there was no real opportunity for career progression after three and a half years, so I moved to a treasurer role at Novar plc in the UK, where I reported to the director of tax and treasury. This position had a broad scope, including strategic risk management, senior management reporting, board advisory as well as capital raising at a group level. Novar was acquired by Honeywell in 2005, and treasury was absorbed by Honeywell, so I managed the wind-up of Novar's treasury function and the transition to Honeywell.
I then spent the next two years as group treasurer of Fiberweb plc, which once again involved building a new treasury function, this time at group level, as well as managing an independent stock listing and funding the organisation. The company went through challenging times and two years later I moved on and initially took on a series of interim roles and in 2010 joined Willis Group and became global group treasurer of the company in London. Although Willis had a treasury function in place, the business had moved on, so we effectively rebuilt the treasury from scratch, including policy, processes, technology and skills. Following the merger with Towers Watson this year, to create Willis Towers Watson, our treasury has joined forces with the Towers Watson Treasury team to become the treasury function for the combined group, so we are now working to integrate the respective activities of both predecessor companies: twice the debt, twice the turnover, more than twice the complexity, but not twice the number of people in treasury!
How have demands and needs in terms of treasury changed over the course of your career, and what particular skills does it now require?
I think the perception of treasury has changed. Before the global financial crisis, treasury was often - wrongly – perceived as a 'black box' in the corner of the finance function, and considered to be mostly a technical function. All of a sudden, the financial world as we knew it fell apart, and companies quickly came to recognise that their implicit assumption that the markets would always be there was unfounded. Treasury's role in managing capital and risk therefore became in far greater demand, particularly as market liquidity became less readily accessible and subject to more stringent controls. Since that time, company boards, as well as external bodies such as credit rating agencies, have been far more closely engaged with treasury and developed a greater familiarity with its role.


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Effective teaching takes place when teachers or instructors are able to deliver lessons effectively by engaging learners mentally. Therefore, the teachers should possess the ability to be current and use technology to make the learning environment more interactive to capture their learners' attention. In addition, the educators should re-design their teaching techniques and make their teaching learner-centered.
Learning Outcomes
At the end of programme, participants will be able to:
- Use effective communication skills to motivate and teach the learners
- Design dynamic learning activities that reinforce learning goals
- Apply different teaching approaches to engage the learners
Who May Attend
For lecturers, teachers and trainers who are directly involved in a teaching and learning environment
|Section 1
|Dynamic Communication Skills for Educators
Stage presence
Voice Control
Body language
Know your audience
|Section 2
|Techniques for Effective Teaching
Motivating learners
Different teaching approaches
Effective opening and closure
Organising teaching materials
Using Visual Aids
Managing difficult learners
Time management
|Section 3
|Learner-centered Strategies
Understanding learners
Engaging learners
Use of technology
Useful traditional approaches
|Section 4
|Practice Session on Creating Interesting Teaching Activities
Manjuladevi Ramalingam is a very experienced and professional educationist. Her interest in the field of English Language development has proved her to be an industrious, capable and excellent communicator. She has more than 15 years of experience in the field of education.
Manjula specializes in English Language Teaching as well as Effective Communication Skills. She has been and effective lecturer at her previous higher learning institution for the past 12 years. In addition, she has also been freelancing at various local public universities. Apart from that, she has also provided in-house trainings for the lecturers at her previous work place, both in teaching techniques and communication skills.
Manjula has also co-authored three books which are already available in the market, namely, English for Professional Communication – Business and Commerce; Social Science and Humanities and Science and Engineering.
Being a trained teacher in the field of English language, she determined to specialize further in the field by obtaining a Bachelor of Art (Hons) and Masters of Arts, both majoring in English language.

subset: commoncrawl


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"You are going where?" This was the response I got when I told various friends and family that my boyfriend and I were going to take a one-day adventure from San Diego to Tijuana, Mexico. I admit that with the Mexican drug war at full bloom I had some trepidation about crossing the border – even if it was just a short drive from downtown San Diego.
But we were going on a Monday morning in May. While I don't have a lot of experience with Mexico, Thomas, on the other hand, speaks Spanish and has traveled extensively in Central and South America. Despite the fact that he lives so close to the Mexican border he had never been to Tijuana, probably much in the same way that I've never actually walked the full extent of the Freedom Trail in downtown Boston. It's just too close to qualify as an actual adventure – until you have out of town guests.
So off we went. After a 20 minute drive, we parked the car, got out, and walked across the border.
Seeing that it was a Monday morning, Tijuana's streets were deserted of tourist throngs. While it was nice not to push through crowds, other than the locals going about their daily business, we attracted a lot of attention on nearly every street corner by shopkeepers. "Hey, senorita! Come in and see what I have!" (Not today, thanks.)
Being the only tourists for blocks on end got tiring. So after I posed for a photo in front of the restaurant where Cesar salad was invented, we were ready for a snack. A food cart appeared like an oasis of calm and order on the busy street. Its bright canopy and trim green-and-white gingham tablecloth held rows of inviting, fresh fruit in plastic cups. In the back, were elegant "straws" of fresh, raw coconut. Thomas focused in on those right away and bought us a cup to share.
The straws were expertly carved, sweet and crunchy with a hint of citrus and heat. We asked the vendors how they seasoned the coconut. The answer was three simple ingredients: lime juice, chili pepper, and salt. A perfect snack for our amble through Tijuana.
Back home in New England, when the temperature began to climb above 90 degrees F., this summer, I thought it would be a good time to recreate that Tijuana coconut treat.
I found a whole coconut at the grocery store but was quickly stumped on how to open the thing. Some instructions on its orange net casing said to use "an ice pick" to open the seam.
An ice pick? I even tried to watch a Gourmet Food magazine video demonstrating how to open a coconut, but that was no help either.
After a go with my Ryobi drill, I gave up on that coconut.
Then I stopped by Whole Foods, because sometimes they sell raw coconut alongside their prepared fruit. There was none on the shelf that day but a very helpful Produce Guy said "we have a hammer," and took a whole coconut "out back."
He returned in about 15 minutes with fresh coconut pieces. They certainly weren't the elegantly carved straws that we enjoyed in Tijuana, but just as sweet and crunchy.
The next time you want a sweet (and nutrient rich) snack on a hot day, try this Tijuana treat. I used cayenne pepper and kosher salt because I like the crunch. I also added the zest of the lime for added color and flavor.
Coconut Treat
1 coconut, cut into strips or pieces (whatever you can manage)
Juice plus zest of one lime
1/8 teaspoon cayenne pepper
2 pinches kosher salt
Combine all ingredients in a bowl and serve in a small glass, or refrigerate and serve chilled.
Related posts on Kitchen Report: Mayan chocolate drink, Fish tacos


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12 December 2019
Christmas can be a hectic time of year, what with all the gift buying, the parties, and the toing and froing between family, and can leave you feeling a little tired. So, when January arrives, you'll be due some much-needed rest and relaxation time and where better to spend in that in one of our picks for January's hottest relaxation destinations.
The tranquil Caribbean vibe of Barbados is enough to ease the tension in even the most overtaxed visitor. An island that runs at a gentle pace, where you can meander your way along the beach by day to the sound of steel drums, and sip fruity cocktails in the evening watching the sun dip below the gently undulating Caribbean Sea.
From 17th January to 23rd January is Round Barbados Sailing Week, when sail boats race along Barbados's stunning coastline. The event brings people from across the island together to enjoy the spectacle and promises to be a perfect addition to your relaxing escape.
The tiny archipelago off the west coast of Africa is a secluded haven for beach lovers. With average January temperatures of 24°C and eight hours of sunshine per day through the month, the conditions are perfect for lounging on the beach and basking in the warm winter sun.
With so many beautiful beaches to choose from, we recommend spending time on more than one island to allow you to experience more of Cape Verde. Start in the capital of Praia on Santiago with its rich culture and history, before heading north to the relaxing paradise island of Boa Vista then finish up with your toes buried in the silky sand of one of the beautiful beaches on Sal.
With an average of only four days of rain in January and temperatures of 20°C, Tenerife has a pleasant winter climate that is reminiscent of warm spring days. The island's world-class selection of spas makes it the perfect place to head in January to soak up some winter sun while you rejuvenate all your senses through an expertly selected programme of treatments.
Bahia Del Duque is one of the island's finest spa hotels and is a retreat of peace, serenity and energy where guests can disconnect from the outside world and engage in the 360 immersions which are personally tailored to promote significant results.
To book your sun-drenched relaxing getaway this January, contact your local Travel Counsellor and take advantage of exclusive benefits such as full financial protection and a 24-hour duty office ready to assist you before, during and even after your trip.


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President Akufo-Addo has for the first time since news of Ghana's banking crisis broke revealed why his administration took a tough stance to sanitize the sector.
At an engagement with Ghanaians living in Rwanda on Thursday, the President explained that "Ghana cannot have a situation where dominant banks in the country are all foreign banks because it would be suicidal for the country's future".
He further said a single local bank, which was "much stronger" and could complement the role being played by GCB was preferable than seven inefficient poorly managed ones which would make no meaningful impact on the lives of Ghanaians.
President Akufo-Addo said the ongoing rationalization of the banking sector by the Bank of Ghana (BoG) is to enable the country emerge with the strongest set of indigenous banks to help grow Ghana's economy.
According to the President, "This process is being undertaken so that at the end of the process, even if they are few, and they are strong, we know that they can compete successfully with the foreign owned banks; it is very important for me."
The President debunked the assertions by some that ongoing rationalization is meant to eliminate the indigenous banking sector from the country's banking system, stressing "that's very dangerous; it won't make sense to do that at all."
"The Central Bank supported seven indigenous banks to the tune of GH¢8 billion and it's a short, medium or long-term solution that we cannot support, especially as these banks had proven themselves to be inefficient and poorly managed".
Thus, the new state-owned bank, i.e. the Consolidated Bank of Ghana, the President said, is going to be a much stronger indigenous bank, alongside GCB Bank and therefore provide leadership in the indigenous banking sector that is required.
"We cannot have, and that is the clear intention of government, a situation where the dominant banks in our country are foreign banks. It is very dangerous to our future if we allow that to happen," he said, adding "we are trying to make sure that the banking sector of our country has strong indigenous banks which can compete with these foreign-owned banks."
President Akufo-Addo recounted the process that took place in Nigeria, where as a result of rationalization of the banking system, the country that hitherto had 84 indigenous banks ended up with about 13 or 14 banks.
The President disclosed that the oath of office he took was effectively to defend the interests of the people of Ghana despite the fact that he would step on the toes of persons with vested interests or established ways of doing things.
"My assessment is what should guide what I do. It shouldn't be about if I don't do this, if I do this I will lose a vote here, or a vote there. Well I am a politician, I want the vote, no two ways about that, but I think that I am required, first of all, to do what I consider right for our people, than worry myself about the impact of it on my own political support.
"It's the same reasoning that inspired me over the 'galamsey' phenomenon," President Akufo-Addo added.
Send your news stories to and features to . Chat with us via WhatsApp on +233 55 2699 625.
- Banking cleanup: If need be, govt will do it again with same approach - Ofori-Atta
- Banking cleanup: If need be, govt will do it again with same approach – Ofori-Atta
- Anum Rural Bank maintained strong financial footing despite coronavirus, banking sector clean-up – Board Chairman
- ARB Apex Bank opens branch in Koforidua
- BoG makes strong case for women-centric financial products
- Read all related articles


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*생산중단 된 절판제품
1/35 German Sd.Kfz.182 King Tiger (Porsche Turret) w/Metal Barrel /
w/Full Interior
*King Tiger Porsche Type은 추후 재발매 안되는 한정판
*France Cean 지역 축척지도 포함
*Metal Barrel 포함
*세미커넥팅 방식의 연결식 궤도
*PE Parts
*영국 보빙톤 탱크뮤지엄의 실차측정과 영국 AFV Modeller편집장겸 모델러 Mr.David Parker의
감수 제작한 킷
The link & length tracks are more realistic than vinyl tracks.
A metal barrel will be included in the first batch of products as a bonus.
Ref:Meng Facebook
Bright eyes, a smiling face and the unique beard are the first impression we get from Mr. David Parker.
Two years ago, we had the honor to invite David to be one of the judges of the First MENG Model Contest. His inexhaustible enthusiasm of hobby modeling, his treasuring the contest entries and his focus during the site judging process left everyone there a deep impression. Now, MENG has the honor to invite David to be Chief Judge of this MENG's MOST LIKED final contest.
Born in Newbury UK in 1963, David started his life-long modeling experience when he was 6. After graduating with a degree in Fine Art David began a career in the advertising industry as a graphic designer before setting up and becoming Creative Director of his own advertising agency. David began writing articles for Military Modelling magazine at the age of 23.
He founded AFV Modeller (currently Meng AFV Modeller) magazine in 2001, followed by AIR Modeller (currently Meng AIR Modeller) in 2005. As Editor of both magazines he splits his time between building tanks and aircraft although tanks remain the real passion for him.
He is probably best known for his three and a half year project super detailing a 1/16 King Tiger which was finished in 2012. In 2014, he brought together all the materials and published the super detailed SUPER KING. He also spent two years detailing a 1/32 B-17 Flying Fortress project.
Working closely with MENG, David is pleased that he can build a large number of latest MENG new releases to feature in the magazines. For David, building models are more than a hobby and it's a part of his life. We look forward to seeing more exciting models built by David.
U.S. Main Battle Tank M1A2 SEP Abrams TUSK I/TUSK II
German Main Battle Tank Leopard 1 A5
German Main Battle Tank Leopard 2 A4
German Panzerhaubitze 2000 Self-Propelled Howitzer
Soviet T-10M Heavy Tank
British Medium Tank Mk.A Whippet
British Heavy Assault Tank A39 Tortoise
British Heavy Tank Mk.V Male
French FT-17 Light Tank (Cast Turret)


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DS News reports that, beginning June 15, real estate agents working with distressed homeowners whose loans are backed by Fannie Mae and Freddie Mac should expect to receive a decision on a short sale offer within 30-60 days.
Our biggest complaint about short sales is the length of time it can potentially take for a bank to make a decision and respond to an offer. FHGA directed Fannie Mae and Freddie Mac to establish a new uniform set of minimum response times that servicers must follow in order to facilitate more efficient short sale transactions.
The GSEs' new short sale timelines require servicers to make a decision within 30 days of receiving either an offer on a property under the companies' traditional short sale programs or a completed Borrower Response Package (BRP) requesting short sale consideration, whether it's through the federal government's Home Affordable Foreclosure Alternative (HAFA) program or a GSE program.
Check out the entire article here.


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Dear visitor, welcome to Allods Online Forum. If this is your first visit here, please read the Help. It explains in detail how this page works. To use all features of this page, you should consider registering. Please use the registration form, to register here or read more information about the registration process. If you are already registered, please login here.
By DomatesBiberr (Sep 25th 2019, 7:06pm)
By ballzaq
(Sep 26th 2019, 10:16pm)
1 thread - 2 posts (0 posts per day)


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While it's probably got the ditziest title I've seen for a site, the concept behind iliketotallyloveit.com is anything but silly. The social shopping site lets people categorize their favourite internet finds, similar to ThisNext.com, by photo and description, allowing people to share their treasures with others as well as add and receive comment on things posted in the community.
Here are a few more social shopping sites:
Implications - Social media has become fundamental to the Web, playing a large role in the lives of young consumers. The popularity of Facebook and Twitter has led other sites to put their own twist on the social model. Companies should consider how they can facilitate connections and sharing, both in the online and offline spaces.
References: iliketotallyloveit


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Organ Transplants In the Future: Can Organs Be Repossessed?
Repossessed. Where Is It!?
Several years ago, a friendly neighbor of ours woke up one morning, prepared to go to work and, stepping outside her front door, found that her car had vanished.
She reported it stolen, but learned later that day, that her vehicle had been repossessed. She had forgotten to make a payment. What was she to do?
At the time in our state, if one were only one day late on any automobile payment, the car could be repossessed anytime during the term of the loan, all the way up to the last day before the loan was paid completely. Some people worried about this.
While last-day repossessions were a rare occurrence, the car in question above was repossessed for the more usual reason: a sizable backlog of overdue payments.
What if,the future of transplants and 3D printer organs, this repossession happened with expensive organ transplants and substitutes purchased on the installment payment plan?
Black market human organ sales are real. They are becoming a growing underground market that should be considered seriously as a crime and health problem worldwide.
Black Market Organs
Hearts and Car Parts All for Sale
Black market human organs are sold at high prices for transplantation, becoming a large segment of both the concierge medicine phenomenon and the trafficking problem worldwide.
The April 2010 issue of Discovery magazine addresses these developments in an illustrated article on a black market kidney operation.
Day workers on the Indian Subcontinent are routinely approached about selling a kidney and many do so, However, many willing individuals do not receive the sum promised -- The doctor in charge becomes rich.
Artificial computerized organs are on the near horizon of legal industry; but at the same time, new organs can be grown via the application of powdered pig tissue in a matrix called ECM, extracellular matrix.
ECM works as well with senior citizens as it does with children and is easier to use than stem cells as of 2016.
Meanwhile, in places such as parts of the Midwest - notably Ohio- prostitutes and the homeless have been found dead in dumpsters, with organs hastily removed. I witnessed this myself in Las Vegas in 1986, when a body was found in the bathtub of a high rise hotel during my stay.
What if all of these stem-cell, pig-powder, and even 3D printed organs could be repossessed in the same way as automobiles, but with more bloodshed?
High Priced Replacement Organs
Johnny Cash - 16 Tons
I Owe My Soul to the Company Store, From "16 Tons"
The topic of credit and conspicuous consumerism has been addressed before in various media.
For example, a Sliders television episode involved an elevated shopping mall in which workers were slaves to the mall administration, because their credit accounts (like the old coal mining "company store" bills) could never be paid off in one lifetime. They had to work in the mall until their dying day.
In Repo! The Genetic Opera, artificial organs are needed and purchased on credit, because of a public health epidemic that destroyed biological organs in organ banks. Most of these patients were never able to pay their bills completely. The organ company GeneCo runs an opera company where indebted patients perform as a requirement.
In Repo Men, the Credit Union or just "Union" sells "artif-orgs" at outrageous prices and 19% or more interest to a captive crowd that does not take care of its health, but still wants to live on and continue to over-consume.This is racketeering we see many obese patients eating shopping bags full of fast food after receiving new organs and it's all pretty disgusting.
The Original Book
Sci-Fi - Fantasy Thriller
Not too distant in our 21st Century, we've developed the high-tech miracle of artif-orgs, computerized mechanical body parts. Now you can live forever!
Almost indestructible, artif-org artificial organs, are jaw-dropping Borg® parts of metal and plastic, untouchable by cancer, diabetes, and heart disease. But if you don't pay up, the Credit Union will track you down and repossess them. This novel is twisted: The best Bio-Repo Man in the game finds his soul when he loses his heart and goes on to some other type of existence.
Eric Garcia also wrote Matchstick Men, the novel, and the film directed by Ridley Scott, starring Nicolas Cage. He also owns the Anonymous Rex book series.
The Repossession Mambo
Substantial controversy surrounds the film Repo Men with Jude Law and Forrest Whitaker.
A barrel of controversy concerns artificial human organs sold at cut-throat prices in shopping malls by sales professionals at the "crooked used-car salesman" level of ethics.
Another keg of controversy concerns an alleged too-close approximation of it to another film. This previously released film is Repo! The Genetic Opera. As Count Floyd of SCTV would say - It's real scary, Kids!
How Good Are the Films?
Repo! The Genetic Opera, with Paris Hilton, is a separate work from Repo Men, being a rock opera as opposed to a science fiction/fantasy film.
However, some viewers and critics denigrate Repo Men for being a bad copy. This does not seem correct -- While both productions feature a company that deals in artificial organs and repossession agents, the story lines of the films are not alike. In addition, Repo Men does not force clients to sing opera on a Rocky Horror stage.
Repo Men is over the top, but engaging and provocative; and the ending is so surreal that I found it difficult to look away. The ultimate transplant, we learn, is a world of dreams. Repo! and Repo Men both have the flavor of Tim Burton's work in Nightmare Before Christmas and Batman with Michael Keaton and Jack Nicholson. In fact, Jack's Joker could show up in Repo! and never be noticed among the throng.
Repo! is described by some critics as a Rocky Horror Picture Show, but is is not -- Bruce Kirkland of Jam Movies reviewed it as
"Repo! is a bloody grotesquerie, not a delicious delight as was Rocky Horror."
Rob Humanick of Projection Booth likened it to what Christ must have experienced in the three days in hell between crucifixion and resurrection.
At the same time, many critics hated Repo Men. However, critic Roger Ebert, a survivor of multiple surgeries that have left him voiceless and unable to eat, but still happy, says, "Repo Men makes sci-fi's strongest possible case for universal health care." Plus, he found the film funny.
Stylistic Controvery
A third controversy involves style of delivery in film and book. The "mambo" referred to in the Repossession Mambo of the two book versions by Eric Garcia is the phenomenon described by Jude Law's repo man character Remy: the iconic writhing and thrusting into the next world that patients perform as their artif-orgs are forcefully removed.
This mambo reference points to a stylistic turn in Spanish language literature as well. one that has created a controversy as English speakers unfamiliar with Hispanic literature have not recognizes a specific accepted style of writing. Instead, they think there is something wrong with the use of the English language or thought process. Moving backward and forward in time and inserting parts of the protagonist's life story here and there is a sort of mambo in itself, allowing the story to reflect the original title.
Other readers lament that all good scenes featured in the original Repossession Mambo novel could not be put on screen. One such scene in that in which a repo man cuts out an organ from a deadbeat client, but finds soon afterward that the man had already made his payment after all...Too late! - The client was dead too long to resuscitate.
What's Your Choice?
Which production do you consider most entertaining and worthwhile?
© 2010 Patty Inglish MS
Comments or Controversy
I loved Repo! The Genetic Opera, but I honestly don't think anything like repossessed organs would ever be a real worry in our first-world society. It would totally violate human rights to repossess a life-giving organ.
Now, if our world dissolved into some form of anarchy and dystopia, that's another matter entirely. Obviously. :)
The Rocky Horror Picture show is the only one of these poll options I've seen-several times as I love musicals- or read expect for the fact that everything I've seen is without Paris Hilton. However, I watch shows like CSI franchise series and they have done episodes of black market organs before.
Paris is not as popular as once commonly assumed.
Repo men is the only film I've seen out of the stuff that you mentioned and I liked this film as it had a classic cult feel to it, when you re-watch it, although not noticeable at the time of it's release.
The ending was unexpected and trippy!
But I do like The Rocky Horror Picture Show too...lets do the time warp again!!!
Rocky Horror Picture Show is a classic great movie, but I voted for no Paris.
Great hub Patty! I voted for anything without....LOL
Patty, all this is too believable not to make one think. I have no doubt people would hold others accountable for huge repayments no one could ever completely pay off, as it happens all the time, and throughout history, slavery hss existed. Slavery existed in other countries long before it did in the United States, and greed appears to be here to stay. Good write, and thought provoking.
Who is Paris Hilton? Just kidding. Very interesting hub and I like your style of writing.
Hi Patty, this was an interesting article to read. I voted for repo men. Thanks and God bless.
Paris Hilton definitely does not deserve anything. If she hadn't that money behind her she would be working in the street.
I voted for Rocky Horror. I've always been jealous that Tim Curry has better legs than I do and can run downhill in heels. Besides, I haven't seen the Paris Hilton, well, anything and I'm okay with that. :) The Jude Law one I haven't seen either but I'd be willing to after reading about it here. I'm thinking that the book might be worth looking at, as well.
Thanks for the insight, Patty.
Might you add another option to the poll?
"Anything without Paris Hilton"


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6 revolutionary refugees that changed the world for the better
Europe is currently in the midst of a migrant crisis. In 2015 alone, more than a million people alone crossed into Europe to seek refuge from divisions and wars within their own countries. While some countries in the EU are having a hard time accepting refugees, or are denying their entry all together, it hasn't slowed the amount of people looking for a new home.
Just as abroad, the United States is also struggling with similar issues. Donald Trump, the Republican nominee for the 2016 Presidential election, has made clear his stance on Muslims and undocumented immigrants. But, over the years refugees have made some extraordinary differences in spite of overwhelming obstacles.
SEE ALSO: 10 things you didn't know about Arnold Schwarzenegger
Here are some of the most revolutionary refugees, and how they changed the world for the better:
- Carl Djerassi is best known for inventing oral birth control. He lived in Bulgaria before leaving after the Nazis invaded.
- David Tran helped make food spicier by developing Sriracha. Tran fled Southern Vietnam after communists took power
- Hans Adolf Krebs won a Nobel Prize for the "Krebs Cycle" or how cells produce energy through metabolic reactions. He fled Nazi Germany and sought refuge in the U.K.
- Albert Einstein fled Germany because of Jewish persecution. Thanks to him we have the general theory of relativity - E=mc2
- Denis Papin fled France during the persecution of the Huguenots. Without his mind we wouldn't have the steamboat or the pressure cooker
- Sigmund Freud lived in the U.K. after the Nazi's invaded Austria. He is best known as the founder of psychoanalysis.
RELATED: Divided america -- Differing opinions on refugees:
See Gallery
More from AOL.com:
10 things you didn't know about Chelsea Clinton
8 things you didn't know about Harry Potter
5 hidden messages on the dollar bill


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Find the most updated news about real estate and condos for sale in Playa del Carmen.
ASk for Special Discounts
• 949 sq. ft., 2 bath, 2 bdrm single story
- Ocean View Common Area
Ocean View, Playa del Carmen
This new development is located right in the most vibrant and exlusive part of Playa.Ocean views from the common area, pools, the best restaurants in town, truly a very sophisticated way of living and earning rental profits in the Mexican Caribbean.Please contact me for special discounts and payment structures.Central Air Conditioning in all rooms. Cable and Internet ready wiring. Individual hot water heaters installed in each unit. Individually dedicated electrical panel and meters for each unitOnsite restaurant, pool,front desk & full hotelservicesOnsite ConciergeKITCHEN:Wood kitchen cabinets with upgraded hardware. Stone counter tops. Stone backsplash. Upgraded sink. Quality faucet. Upgraded electric stove. Upgraded refrigerator. Upgraded Microwave oven. Upgraded Dishwasher. Electric exhaust hood over BATHROOMSStone counter tops. Porcelain floors and walls entire interior of shower and tub areas. Base cabinet with stone countertop. Upgraded faucets and shower fixtures. Matching towel bars, hooks and paper holder. Deluxe elongated toilets.
Property information
Published Thursday, September 16, 2010 1:29 PM
Alexander Jablonski
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When you don't have a clear view of each and every aspect of your organization, making important business decisions can be both time-consuming and prone to error – leaving you a step behind the competition.
While Dynamics GP provides a great solution to manage your finance and operations, it can often be challenging to interpret the data and make informed decisions off of it. GP's built-in KPIs, reporting tools, and budgeting capabilities are fairly simplistic and often rely on manual or Excel based workarounds.
With a complete Business Intelligence solution built for Dynamics GP you can:
- Keep your finger on the pulse of your business
- Gain total insight into your company
- Offer managers flexible reports
- Increase productivity
Part I: Better Decision Making with Full Insight
Part II: Powerful Reporting and Analytics for GP
Part III: Streamline Your Budgeting and Forecasting
Learn how FMT's Business Intelligence solution, powered by BI360, can help decrease manual keying and inaccuracies with a complete Excel and web-based suite for Reporting, Budgeting, Dashboard and preconfigured Data Warehouse solutions that integrate to all of your data sources for complete insight!


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Hexies! Lots and lots of hexies! But how to quilt hexies like this???
I decided to do arcs, as per a cathedral window motif, using matching thread colours for each hexagonal 'flower'. The inner dark green hexies were too puffy after doing this, so I stitched them down too. And for the outer border, I just did a meandering stipple in a variegated dark green thread.
(Click on a photo to view it larger)
Threads used:
- Top: Fil-Tec Affinity 'Mauve' (40 wt, trilobal polyester, colour 60149); Robison-Anton 'Paris Blue' (40 wt, rayon, colour 2283); Fil-Tec Glide 'Seafoam' (40 wt, trilobal polyester, colour 97494); Mettler Poly Sheen (40 wt, polyester, colour 9405); Gutermann Sulky (40 wt, rayon, colour 2131); Fil-Tec Affinity 'Forest' (40 wt, trilobal polyester, colour 60293)
- Bottom: Fil-Tec Magna Glide Classic pre-wound bobbin (white and lead gray)
Photos of all the Community Quilts I've quilted are here: http://www.flickr.com/photos/rhondamadeit/sets/72157630291250200/


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Accounting Net Income And Retained Earnings Homework Help
- November 4, 2017
- Posted by:
- Category: Accounting QA
Best UK USA UAE Australia Canada China Accounting Net Income And Retained Earnings Homework Help Service Online
1. Indicate the best answer for each question in the space provided
A business purchases land and a building, giving in exchange a note payable for $75,000. This transaction:
a. increases owners' equity.
b. increase total assets.
c. decrease total liabilities.
d. decreases owners' equity.
e. none of the above
2.Sunset Company sells land for cash at a price in excess of its cost. Which of the following is true as a result of this transaction?
a. Cash is decreased.
b. Decreases total liabilities.
c. Total assets are unchanged.
d. Owners' equity is decreased.
e. none of the above
3. During the current year, the assets of Vitamin Water increase by $73,000, and the liabilities increased by $34,000. As a result, owners' equity:
a. increase by $39,000 during the year.
b. increases by $73,000 during the year.
c. increases by $107,000 during the year.
d. increases by $34,000 during the year.
e. none of the above
4.Net income is best described as
a. Cash receipts less cash payments made during a given accounting period.
b. The increase in owners' equity resulting from profitable business operations during an accounting period.
c. The increase in total assets over a given accounting period.
d. Revenue earned during an accounting period, less any cash payments made during the period.
5.As of January 30, the trial balance for Huffy Corporation shows revenue of $28,000 and expenses of $5,000. On January 31, the adjusting entry for $2,000 depreciation for January is made, and dividends of $2,000 are declared and distributed. Huffy Corporation's income statement for January reports net income of _____________ .
6.Husky Company's revenue for March is $75,000, but only $15,000 cash is collected. Expenses for March are $41,000, of which $28,000 is paid in cash. During March, additional capital stock is issued in exchange for $5,000 cash. Using the accrual basis of accounting, Husky Company's income statement for March reports ____________
7.The adjusting entry to recognize interest owed by Tiger, Inc., to the bank for May was omitted in month-end procedures. As a result of this error, Tiger's
a. May net income is understated and May 31 liabilities overstated.
b. May expenses are overstated and May 31 assets overstated.
c. May expenses are understated and May 31 owners' equity understated.
d. May net income is overstated and May 31 liabilities overstated.
e. none of the above
8.Net income of Mustang Company was $60,000 before any year-end adjusting entries were made. The following adjustments are necessary: portion of fees collected in advance now earned, $3,400; interest accrued on a company savings account, $330; portion of insurance expiring, $500. Net income reported on the income statement for the current year should be ____________________.
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9.Retained earnings represent:
a. Cash available for dividends.
b. The amount initially invested in the business by stockholders.
c. Cash available for expansion and growth.
d. Income which has been reinvested in the business rather than distributed as dividends to stockholders.
10. The term revenue can best be described as the:
a. selling price of goods and services rendered to customers during a given accounting period.
b. cash received from selling goods and serving customers during a given accounting period.
c. net increase in owners' equity during a given period.
d. "bottom line" in the income statement.
11. The accountant for the Sun Rise Company forgot to make an adjusting entry to record depreciation for the current year. The effect of this error would be:
a. an overstatement of net income and an understatement of assets.
b. an overstatement of assets offset by an understatement of owners' equity.
c. an overstatement of assets, net income, and owners' equity.
d. an overstatement of assets and of net income and an understatement of owners' equity.
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Gardai still exploring Rae extradition possibility
Senior Garda detectives are continuing to examine the possibility of extraditing convicted Longford murderer Patrick Rae back to Ireland, writes Liam Cosgrove.
It comes as high ranking police officials in Scotland prepare to publish a lengthy report into how the 41-year-old sex offender was allowed to flee to Scotland before later going on to brutally rape and murder mother of three, Mary McLaren over two years ago.
As reported by this newspaper last June, Rae was sentenced to a minimum of 20 years in prison after being found guilty of the offence at Edinburgh High Court.
But it was the fact the Co Longford labourer was wanted back home at the time of the incident in February 2010 that subsequently prompted Scottish Police to launch an internal review.
In 1997, Rae was convicted and sentenced to seven years in prison for the rape of a woman in Longford dating back to July 1996.
A year after being released in 2002, he was convicted of possession of a knife and threatening behaviour before going on to commit over a dozen offences ranging from theft to drink driving and other road traffic offences.
Rae was subsequently charged in April 2008 for an alleged sexual assault on a 30-year-old woman in Portmarnock, Dublin.
However, he failed to appear in court to face the charge in November of that year and it is precisely those circumstances which convinced British authorities to carry out a review.
To read this story in full, see this week's Longford Leader.


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- Model1-89-02-01-04-30
- Water Resistance50 meters
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- MovementAutomatic
The most cosmopolitan of mechanical masterpieces: worldly, precise, innovative. Reference: 1-89-02-01-04-30 White Gold 1-89-02-01-05-30 Red Gold
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You can find our user documentation at docs.cpanel.net.
- How to Identify Your Hosting Provider
- Subaccount Initial Password Guide
- cPanel Deprecation Plan
- Tutorial Videos
- How We Determine a Browser Locale
- The cPanel Log Files
- Interface Lock Scripts
- Overselling
- How to Disable the cPanel Store as an SSL Certificate Provider in WHM
- How Your Server Handles Domains and Virtual Hosts
- Keyboard Shortcuts in WHM
- Product Versions and the Release Process
- Service Subdomains Use the cPanel Service SSL
- TailWatch
- How to Purchase a cPanel License
- The cPanel Service Daemons
- cPanel Glossary
- The Long-Term Support JSON File
- How to Fix License File Errors
- Third-Party Software End Of Life Policy
- cPanel Long-Term Support
- What's My Version Number
- cPanel Analytics
- Upgrade Blockers
The documents in this section describe advanced procedures for various features within cPanel & WHM. We recommend that only experienced Systems Administrators execute the procedures that these documents contain.
If you need help with any of these procedures, open a technical support ticket.
Some of the documents in this section describe dangerous procedures or unsupported workarounds that we do not guarantee will work in the future. Exercise caution when you execute the steps in these documents.
Important information
Before you execute the steps in any of this section's documents, we strongly suggest that you understand the following information:
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- We only tested the instructions in these documents on default installations of CentOS and Red Hat® Enterprise Linux®.
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By Mike DeNardo
PHILADELPHIA (CBS) – An Eagles running back is being sued by a woman using the alias "Mary Roe," who claims he assaulted and humiliated her on a party bus.
According to court papers, McCoy invited about 15 women to join him on the "party bus" that went to a New York City club from Philadelphia back in December, 2012.
During the trip, the lawsuit states, McCoy and his bodyguard, along with a few other men, began to spray the women with water. The suit says that when " Roe" objected, McCoy told his bodyguard, identified only as "Big John," to "get her." The suit says McCoy and/or Big John struck "Roe" in the face and poured a beverage on her.
"Roe" then says that she was forced to exit the party bus on the side of the New Jersey Turnpike and left there. When other members of the bus complained, she was brought back on the bus and taken to the next rest stop, where she was left by herself.
The lawsuit was filed on May 10th, 2013, and is asking for damages of $50,000, and names both McCoy and his bodyguard "Big John."
So far, the Eagles have not commented.


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Local Anchorman Brilliantly Does Weather Report to the Tune of Frozen's 'Let It Go' 3:46
It's always nice seeing newscasters with unique personalities. This is Bob Herzog, and he's quite the goofball. While reporting on the weather in Ohio, Bob decided to sing it. He rewrote the lyrics to the immensely popular song "Let It Go" from Disney's Frozen. It's pretty spectacular.


text:
Often copied, but never surpassed, the Stratocaster is arguably the world's most-loved electric guitar. Electrifying the music world since its debut in 1954, its natural, versatile sound made the Stratocaster the benchmark for exceptional guitar tones. The American Professional Stratocaster isn't a re-imagining of the classic design; it's the authentic original model, evolved.
Fender® American Pro Stratocaster® Maple Neck, Black
BODY MATERIAL Alder BODY SHAPE Stratocaster® BODY FINISH Gloss Polyurethane NECK MATERIAL Maple NECK SHAPE Modern "Deep C" FRETBOARD WOOD Maple NUMBER OF FRETS 22 NUT MATERIAL Bone FRET INLAYS Black Dots TRUSS ROD NUT 1/8" American Series NECK FINISH Satin Urethane Finish on Back, Gloss Urethane Finish on Front SCALE LENGTH 25.5" FRETBOARD RADIUS 9.5" FRET SIZE Narrow Tall NUT WIDTH 1.685" TRUSS ROD Bi-Flex™ BRIDGE PICKUP
V-Mod Single-Coil Strat
MIDDLE PICKUP V-Mod Single-Coil Strat NECK PICKUP V-Mod Single-Coil Strat SWITCHING 5-Position Blade: Position 1. Bridge Pickup, Position 2. Bridge and Middle Pickup, Position 3. Middle Pickup, Position 4. Middle and Neck Pickup, Position 5. Neck Pickup CONTROLS Master Volume with Treble-Bleed, Tone 1. (Neck Pickup), Tone 2. (Bridge and Middle Pickups) CONFIGURATION SSS BRIDGE 2-Point Synchronized Tremolo with Bent Steel Saddles and Pop-In Tremolo Arm TUNERS Fender Standard Cast/Sealed Staggered CONTROL KNOBS Aged White Plastic NECK PLATE 4-Bolt HARDWARE FINISH Nickel/Chrome PICKGUARD 3-Ply Mint Green SWTICH TIP Aged White CASE Elite Molded Case


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Online Access for Homeowners
Our simple online system makes it possible to access your project from any computer, tablet, or smartphone.
Contact Us – Heritage Home Works, LLC.
Visit us at:
Address: 500 N. Main Ste. 206 Newton, KS. 67114
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Serving Newton, Wichita, and South Central Kansas Locations


text:
Undercover Girl: The Lesbian Informant Who Helped the FBI Bring Down the Communist Party
Lisa E. Davis (Author)
Backorder (temporarily out of stock)
DescriptionAt the height of the Red Scare, Angela Calomiris was a paid FBI informant inside the American Communist Party. As a Greenwich Village photographer, Calomiris spied on the New York Photo League, pioneers in documentary photography. While local Party officials may have had their sus-picions about her sexuality, her apparent dedication to the cause won them over. When Calomiris testified for the prosecution at the 1949 Smith Act trial of the Party's National Board, her identity as an informant (but not as a lesbian) was revealed. Her testimony sent eleven party leaders to prison and decimated the ranks of the Communist Party in the US. Undercover Girl is both a new chapter in Cold War history and an intimate look at the relationship between the FBI and one of its paid inform-ants. Ambitious and sometimes ruthless, Calomiris defied convention in her quest for celebrity.
Product Details
Publish Date
May 09, 2017
5.5 X 0.8 X 8.2 inches | 0.6 pounds
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About the Author
Lisa E. Davis has lived in Greenwich Village for many years and loves to write about it. With a PhD in Comparative Literature, Davis taught for years at SUNY and CUNY, published numerous essays, and lectured widely on New World and European literary topics. Her novel Under the Mink, a film noir tale of gay and lesbian entertainers in mob-owned Village nightclubs of the 1940s, was re-issued in 2015 to considerable acclaim. Her LGBTQ-themed short fiction and nonfiction have appeared in various domestic and foreign anthologies and periodicals.


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Luke Bogdan - Director of Instruction
In 2017 & 2019 Luke was ranked among the Top 100 Golf Professionals in BC. Having competed against the likes of Rickie Fowler, Adam Hadwin, Nick Taylor and Patrick Reed, Luke has the instructional background and competitive golf experience to help you bring your game to the next level.
*Ledgeview Members and Junior Golfers (18 and under) recieve 10% off rates
Private Lessons (45 Minutes)
- 1 Lesson - $89.95
- 5 Lessons - $419.95
- 10 Lessons -$789.95
Group Lessons (45 minutes)
- 2 People - $119.95
- 3 People - $149.95
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Playing Lessons (9 Holes)
- 1-3 People - $199.95 + Cost of Green Fees
Ledgeview Members and Junior Golfers (18 and under) recieve 10% off rates above
"Luke has been an amazing instructor for my daughter- in the last few years she has improved dramatically. Her love for golf seems to grow after each lesson with Luke. She is not only learning and improving her skills, but also learning proper etiquette, and having fun while doing so." - Becky
"I have taken lessons with Luke Bogdan for the last 2-years. I am a beginner player; Luke's patient instructing style allowed me to be comfortable and learn in a positive environment. Luke's teaching is different than others, with no intimidation made by Luke's comfortable and relaxing demeanour. I will be taking lessons with Luke again." -Rob
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Luke was able to find a small error I was making that caused my inconsistency strikes without changing my swing, so subtle I would never ever have been able to pick it out ! Went out and shot back to back of my best rounds!" - Trevor


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June 10, 2015
Ciao tutti! Hello everyone! My name is Marilyn Ricci and I am 100% Italian-American. Who cares you say. Why does that matter? Let me explain.
America is the Melting Pot. This melting pot brings so many wonderful qualities to the US citizenry that we have been leaders in new ideas since our inception. We have strengths and talents from the cultures of the world. However, as we blend our lives together, we do lose some of the flavors of each culture.
My father and mother are all Italian. Their fathers were born in Italy and their mothers were first generation Italian- American. The only blending in our home was that of the Abruzzo and Campania regions of Italy. Our grandparents and great-grandparents spoke Italian in our home. We were lively, demonstrative, expressive. We argued a lot. We had big personalities. We were different.
We lived in Minnesota, the land of 10,000 Scandinavians. Most of our neighbors descended from that culture or others from Northern Europe. They were a great deal calmer than we were. They were quiet. They seemed gentle. They did not argue. They didn't yell. I still love that about them.
But their children loved to come to our house where we ate spaghetti all the time. We laughed at the dinner table. We hugged. We were loud. And the food was so good.
As a child I wanted to be like my neighbors. However, as I grew I discovered I loved the Italian in me. I loved the fact we hugged people, opened our doors to everyone and we lived around the kitchen table. I loved that some of us talk in both Italian and English in the same sentence and we still understand. I love that we would sing and dance at the drop of a hat. I loved that my father talked to strangers in an elevator and my mother's laugh could be heard all over the block. I loved that we could sit at the table for hours eating, laughing, fighting, talking and more eating. I loved that when we were with family and friends, time lost all importance. We lived in the moment and experienced it all.
These are only part of the reasons I love being Italian and unblended. This is part of why it does matter. Want to know more? Want to know how this benefits you?
More to come in un momento….
Ciao for now.
Ciao for now!
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- Nearly 100,000 football fans from around the world pick eight winning slogans for teams participating at the FIFA Confederations Cup
- Winning slogans to be displayed on the national team buses during the tournament in Russia this year
- 'Be There With Hyundai' competition continues Hyundai Motor's strategic partnership with FIFA to support international football
May 16, 2017 – Hyundai Motor Company, Official Partner of the FIFA Confederations Cup Russia 2017, has announced the eight winners of its 'Be There With Hyundai' competition. The winning motivational slogans for the eight participating countries will be displayed on the national team buses that transport the players, coaches and officials during this summer's tournament.
The FIFA Confederations Cup is held every four years featuring the continental champions, the host country team and the last champion of the FIFA World Cup. The eight participating teams of the 2017 tournament are: Australia, Cameroon, Chile, Germany, Mexico, New Zealand, Portugal and Russia.
Football fans from all over the world submitted slogans during March 2017 through the FIFA.com website, with more than 50,000 entries submitted for initial consideration. Slogans that captured the passion of the teams were then shortlisted for the voting stage (April 17 to May 2). Then, nearly 100,000 total votes were cast by fans in the final vote for their favorite slogans for each national team.
Included in the winning entries, which can be viewed at FIFA.com/BeThereWithHyundai, were "STAY TRUE TO YOUR TEAM!" (Russia), "11 PLAYERS – 80 MILLION HEARTS – DIE MANNSCHAFT!" (Germany), and "SOCCEROOS: PRIDE OF A NATION" (Australia). Fans who submitted the winning slogans for the respective teams will receive a FIFA Confederations Cup 2017 tour package, including game tickets and an opportunity to ride in the national teams' official escort vehicle – a Hyundai Grand Sante Fe. To complete this unique prize package all eight winning participants will be given specially-made photos of their slogan displayed on the respective buses.
"As the official automotive sponsor, Hyundai Motor is committed to providing fans with unique opportunities through competitions such as this," said Scott Noh, head of Overseas Marketing at Hyundai Motor. "By partnering with the world's biggest sports tournaments we demonstrate our desire to care for our customers and bring them special experiences around the world."
Since its launch at the 2006 FIFA World Cup Germany™, the 'Be There With Hyundai' campaign has engaged thousands of football fans all over the world and sparked huge media interest. Hyundai Motor's exclusive program continued its success at the 2014 FIFA World Cup Brazil™, with the active participation of thousands of football fans all over the world.
Hyundai signed the agreement to sponsor FIFA competitions in 1999 and has since successfully served as the official automotive partner of 2002, 2006, 2010, 2014 FIFA World Cups as well as many other FIFA tournaments. In 2010, the company extended its strategic sponsorship agreement with FIFA to cover the 2018 and 2022 FIFA World Cups. Through its sponsorship of international football and other sports, Hyundai has boosted its brand awareness and brand image significantly.


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Product Description
ABOUTCelebrate a special milestone with our stunning 18 charm. Crafted from sterling silver and rose gold plate, this charm is adorned with white topaz stones, considered the stones of direction and guidance. This charm measures 7mm high and 8mm wide.
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This is sent via a Royal Mail 48 service. Delivery is usually made within 2 working days but can take up to 5 working days
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Order before 2pm Monday-Friday and receive your order the next day! Our express delivery is £9.90 and operates via ParcelForce. Enter your mobile number and you'll receive a text message with a 1 hour delivery slot from ParcelForce and your delivery will require a signature on delivery. ParceForce will deliver Monday – Saturday, this delivery option excludes Bank Holidays and Sundays. Please be sure to check our delivery page for details on any areas that cannot be reached on a next day service.
Standard USA delivery - $10.00
3-5 working day delivery from date of dispatch.
Standard Europe delivery - €10.00
3-5 working day delivery from date of dispatch.
Read more about our delivery service here


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1Why should I choose PFA to fulfill my FMCSA surety requirement?
PFA is by far the largest issuer of broker surety instruments in the United States. In 18 years, we have issued over 12,000 BMC-85 trust fund agreements and we currently have over 3,600 active brokers which is more than 6 times the amount of our nearest competitor. We also sell BMC-84 surety bonds. Either instrument satisfies the FMCSA's surety requirement. PFA offers unparalleled claims knowledge, experience, and service among the entire transportation surety industry. We handle all of our own investigations, communications, and verifications relating to claims against a trust agreement or bond held by us. Through extensive legal expertise in the specifics of freight broker regulations, PFA expedites legitimate claims and quickly identifies non-valid or fraudulent claims thereby minimizing the impact on the trust account or bond. We are the most experienced company in this specialized field and can provide you with the best possible service in the industry!
2What is required to become a freight broker?
There are three things the Federal Motor Carrier Safety Administration (FMCSA) requires to become a broker. You must file in the Unified Registration System (URS) with the FMCSA, file a BOC-3, and fulfill the $75,000 surety requirement by filing either a BMC-84 or BMC-85.
3Do I need $75,000 to start?
Only one (1) of our three (3) plans requires that you put $75,000 cash in your trust fund up front. If you do not have $75,000 in cash, one of our other plans may better fit your needs. Click on our Pricing tab to view all of our plans.
4How will I decide which surety instrument is best for me, a BMC-84 or BMC-85?
Our extremely knowledgeable sales staff will help you determine which option is best for you. The BMC-84 is a surety bond placed by an insurance company, the BMC-85 is a trust agreement held by PFA. Either one satisfies the FMCSA's surety requirement. PFA is the only company that can place you in either form!
5What is the Unified Registration System (URS)?
The Unified Registration System (URS) is a new electronic on-line registration system that will streamline and simplify the Federal Motor Carrier Safety Administration's (FMCSA) registration process and serve as a clearinghouse and depository of information on all entities regulated by the Agency, including motor carriers, brokers, freight forwarders, intermodal equipment providers (IEPs), hazardous materials safety permit (HMSP) applicants/holders, and cargo tank manufacturing and repair facilities. The URS will combine multiple registration processes, information technology systems and forms into a single, electronic online registration process. First-time applicants must use the URS. For more information about URS, or to apply for the first time, use the following link: https://cms.fmcsa.dot.gov/registration
6I want to apply for a BMC-84 or BMC-85, what do I need to do?
Simply fill out our online application and we will have an approval for you within a couple of hours! Or, call us at 800-595-2615 and speak with one of our knowledgeable sales representatives. They will be able to go over our options with you, e-mail or fax our broker information packet which contains our application to you, and then help you fill it out. We are here to assist you every step of the way.
7I have less than perfect credit, can I still get approved?
We are almost always able to approve you on some basis. We are more than willing to work with you to try to come up with an affordable solution! Being the only company to offer both BMC-84s and BMC-85s, we have unequaled ability to find a solution to get you approved and on your way to being an active freight broker.
8How long will the various registrations take after applying in the URS? How long does it take to become active to broker?
Applicants will receive an inactive (pending) USDOT number upon submission of an application for registration. Operations are prohibited, however, until the applicant receives an active USDOT number and active registration. Registration will not be granted and the USDOT number will not be active until the FMCSA determines that the applicant meets all requirements for registration, including requirements for BOC-3 and BMC-84 or BMC-85. It is usually 7-10 days after the surety requirement has been filed on your behalf before you will be active to broker.
9What is a BOC-3?
This is the filing for your agents for service of process. It lists an address within each state where legal paperwork may be served to your brokerage and then forwarded on to you. We can refer you to very reputable companies that can help you with this process.
10After filing, how much time do I have to file my BOC-3 and my BMC-84 or BMC-85 before my URS application is dismissed?
If you have not fulfilled all the broker requirements within 20 days of filing your URS application, the FMCSA will issue you a notice that you have 60 days from the date of the notice in which to meet all the requirements or your application will be dismissed.
11For how long is my approval good for with PFA?
Your approval from PFA is good for 6 months from your approval date.
What You Need. When You Need It.
Get the right coverage and secure the most competitive rates. When it comes to protecting your business, few insurers offer all of the different lines of insurance that a domestic freight broker and/or freight forwarder needs. We are here to offer you intelligent insurance solutions on every front.
(Required for Freight Broker Authority)
We have several pricing and payment options for BMC-84 Surety Bonds and BMC-85 Trust Agreements. We have 20 years of claims management experience. We keep track of every claim from start to finish by constantly processing the required paperwork and communication until it is closed.


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Operational Excellence Manager
We are looking for an Operational Excellence (OPEX) Manager, Global Operations..
Linak A/S
Operational Excellence Manager - Global Operations
LINAK is growing exponentially in all business segments. To support this exciting journey, we are looking for an Operational Excellence (OPEX) Manager, Global Operations.
OPEX is a new global operation organisation which aims to have a common operating system for LINAK which is built in our best practices across the plants. For the right candidate, this is a unique opportunity to grow in LEAN and six sigma, learn across LINAK factories and work closely with all levels of the organisation.
If you like to inspire and challenge the people you work with, and want to plant the seed in creating value, to develop our road map, to improve our processes and to make an impact, then this could be a job for you.
As Operational Excellence Manager your office is going to be at the LINAK factory in Guderup on Als which you will share with three colleagues and a manager.
Primary tasks
- Drive and facilitate kaizen events and value stream projects by ensuring operations business metrics are continuously improving
- Global owner of tools, methods and systems and is also responsible for training and coaching the organisation
- Facilitate assessments of the different locations with the purpose of learning and to unify the direction of improvement
- Training and coaching local responsible and leadership
Experience/ Qualifications
- Minimum 5 years of experience from a LEAN or operational excellence function
- Bachelor or master within electronic or mechanical or manufacturing engineering
- The ability to facilitate workshops and kaizens and create ownership locally
- Independent with energy, structured, has a good sense of humor and drive
- Has the ability to challenge the way we do things and encourage the team to think out of the box
- To be successful in this position, you must be able to communicate at all levels of the organization and can get the buy in of stakeholders
- Speak and write English on fluent level and the will to learn Danish
For additional information regarding the job please contact; Senior Manager, Operational Excellence - Kristy Rasmussen +45 5156 5735
Please write in your application that you've seen the job at Jobfinder.


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The Central Connecticut football team will open the 2014 Season on the road against last year's national runner-up #7/13 Towson at Minnegan Field at Johnny Unitas Stadium in Towson, MD. The contest also marks the beginning of the Rossomando Era of CCSU Football. All 11 games this season will air live on Fox Sports Radio 1410 AM.
On January 22, 2014, Pete Rossomando was named the 13th head football coach in CCSU history. Rossomando comes to New Britain following a successful six-year run leading the Division II football program at the University of New Haven.
Series History • Today's game is the ninth meeting in the all-time series between these programs. Towson has won six of the eight previous meetings, including the most recent contest in 2007. The Tigers won the 2007 meeting by a score of 20-7. The Blue Devils won the first two meetings in the series (1971 & 1972) scoring 40 or more points in each game.
Rossomando's Resume • Rossomando spent the last six seasons as the head coach at the University of New Haven. Over that time he led the Chargers to a 42-13 record, two NCAA Playoff appearances and coached numerous all-conference and All-America student-athletes. Rossomando was named head coach of the Chargers in December of 2007 as New Haven reinstated its Division II football program after a five-year hiatus. He rebuilt the Chargers into one of the best Division II programs in the country. In the last three seasons, 2011-13, the Chargers posted an overall record of 29-6 and a 20-2 mark in Northeast-10 action, including two consecutive 8-0 regular seasons in league play (2011, 2012). New Haven was ranked as high as No. 3 in the 2012 Division II national polls.
Rossomando was also named Liberty Mutual NCAA Division II National Coach of the Year following the 2012 season. In addition, he earned three NE-10 Coach of the Year awards during his tenure at New Haven.
Walter Payton Award • Senior Rob Hollomon has earned numerous individual honors during his two seasons with the Blue Devils, but in July he found himself on the preseason watch list for the highest individual honor at the Division I FCS level, the Walter Payton Award. Hollomon was among 20 individuals selected for inclusion in the preseason list of candidates for the prestigious award, which goes to the most outstanding player at the FCS level.
100+ Rushing Yards • The Blue Devils have rushed for 100+ yards in 35 consecutive games. The last time CCSU failed to reach 100 rushing yards was Nov. 6, 2010 against Robert Morris.
Hollomon Third on Career Rushing List • Senior running back Rob Hollomon enters the 2014 season with 2,556 career rushing yards. He currently stands third on the CCSU career rushing list. Only Stan House (3,347) and James Mallory (3,245) have run for more yards in a Blue Devil uniform.
SanGiacomo's Record Season • Junior quarterback Nick SanGiacomo set a new CCSU single-season record with 20 touchdown passes last year. The previous record for passing touchdowns was 17 set by Scott Dolch in 2004. SanGiacomo also became the first Blue Devil to throw for 300 yards in a game in more than a decade when he collected 363 yards through the air against Sacred Heart on October 12, 2013. SanGiacomo's 368 yards of total offense in that game set a CCSU single-season record.
CAA Win • CCSU played three members of the CAA (James Madison, Albany, Rhode Island) last season and posted a 1-2 record. The victory over Albany, a former Northeast Conference member, marked the first against the CAA for the Blue Devils.
1,000 Yard Rushers • Rob Hollomon is now responsible for two of the 13 individual 1,000-yard rushing seasons in CCSU football history. Nine different players have reached the 1,000-yard mark, with Harold Brown being the first in 1967. In 2006, Justise Hairston set the program record with 1,847 yards on 277 attempts. Stan House, Cory Harge, James Mallory and Hollomon are the four Blue Devils with two 1,000-yard seasons. No CCSU Football player has every rushed for 1,000 or more yards in three separate seasons.
Preseason Honors • Four Blue Devils earned Preseason All-Northeast Conference accolades on August 4. Seniors Rob Hollomon (RB), Josh Alaeze (LB), Tyrell Holmes (WR) and junior Tyler Hurd (OL) were all honored by the NEC's coaches. In addition to the NEC honors Hollomon and Holmes each earned preseason watch list honors at their respective positions from the College Football Performance Awards (CFPA).
Hollomon's preseason accolades also include a First Team All-America selection by The Sports Network and a place on TSN's Walter Payton Award watch list.
Fox Sports Radio 1410 • Every Central Connecticut football and men's basketball game will air live on radio. Fox Sports Radio 1410 will carry the action with Bruce Biel and Marc Robbins on the call. The station will be branded 'The Home of the Blue Devils".


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In 1874, Sir Henry Thompson, Bart., FRCS, Surgeon to Queen Victoria, founded the Cremation Society of Great Britain, having written, "it was becoming a necessary sanitary precaution against the propagation of disease among a population daily growing larger in relation to the area it occupied". Municipal cemeteries were filling fast, and cremation was introduced to deal with the problem of disposal. It wasn't popular with the church to begin with, maybe because it associated the fire of the furnace with the fires of hell, but as the practice gained popularity with the general public, the clergy changed its tune.
I believe that we British cremated more of our dead than any other nation apart from the Japanese, who don't have a lot of space for internments. This is probably still true. I think most people prefer cremation to burial because it's all done behind closed doors and they don't have to deal with the messy aspects of disposal, like mud and earth. But as the population's increased, funerals have become more elaborate, and a majority of families choose to remove cremains (which are bone fragments, ground up) from crematoria, instead of leaving them to be buried or scattered in the "gardens of rest", the country's being liberally dusted with bone meal. It might do some plants good (though blood and bone meal used to attract our dogs' attention), but it's not the sort of stuff you want to scatter everywhere, willy-nilly.
When a close relative died the other year, her ashes were divided up between several people and places. I'm not sure how many portions there were, but one lot was scattered in Cornwall, another in Norfolk, and there's a little pot sitting on a shelf at home because I haven't done anything with it. It was suggested that because she enjoyed sitting in my garden, I could scatter my portion there. I don't know how the ashes were divided; whether they were weighed in equal portions or if it was a guestimate. It's irrational, I know, but I don't like the idea of dividing people up like this. It doesn't matter to her, of course, but why spread her about like that? I didn't ask for a share but hadn't the heart to refuse. Once upon a time, people dreaded being cut up or otherwise divided, for fear of being denied access to heaven without all their parts. That's not how I feel, but it still seems unnecessarily fussy to mess about with people's ashes.
Like most people, I never used to give the matter much thought. It's become popular to scatter ashes, whether all at once or in portions, in places associated with the dead person. I suppose it's quite romantic, to imagine that he or she will become a part of a place that he or she liked, or where something special happened. But it's irrational, as most of our reactions to death are, and so many people are doing it that it's causing a pollution problem, and is being restricted. I can imagine some bereaved people, determined to ignore restrictions, shuffling around beauty spots with ashes dribbling from the bottom of their trousers, like the men in The Great Escape who had to get rid of the earth from their tunnels without the guards seeing them.
A retired RAF officer I know told me about an airman who requested that his ashes be scattered from the cockpit of a plane. Apparently they blew straight in again and had to swept up with a dustpan and brush when the plane landed.
The lover of a woman who died years ago had to keep his loss a secret, as he was a married Catholic and his family knew nothing about the affair. For almost a year after the woman died, he used to write to me about her, as he had no one else he could talk to. He showed me photos of a secluded place in the Suffolk countryside where they used to meet, and where he scattered her ashes, so he could "feel close to her". After a year, he wrote that he thought he could manage, and I never heard from him again. I wonder how often he visited the spot where he'd left her, and whether it stayed as he remembered it, or if it had been sold to a developer and was covered with semi-detached houses - or, worse still, industrial units.
As an increasing proportion of the population becomes obese, cremators that can cope with big bodies are in demand. Fat people from our area have had to be taken miles away for cremation because none of the local cremators are big enough. Then there's the problem of mercury pollution, from tooth fillings. A new building to house equipment that will deal with such pollutants is being planned for our local crematorium where it will take up a hefty proportion of the car park, which is already too small.
One way or another, the disposal of cremated remains is becoming a problem as serious as the one that cremation was designed to solve. It'll be a long time before it's sorted, mainly because there's a general aversion to discussing anything to do with death. Try applying for planning permission for a green burial site, and you'll see what I mean.
If they'll have it, my body's going to the anatomists, who'll bury what's left when they've finished with me. As for my relative's ashes; I'm going to fork her into the flower border in the spring, safe in the knowledge that, since the dog died last summer, she's less likely to be dug up again. As for the dog; her ashes are in a little box, next to her photo and her collar. You see, I said we're irrational about death.
Thursday, January 22, 2009
Posted by Margaret Nelson at 10:42 pm No comments:
Monday, January 12, 2009
Foggy funeral
Posted by Margaret Nelson at 5:23 pm 2 comments:
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Copper Prices Set to Rise, Bernstein Predicts
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The key copper-to-gold price ratio's extreme lows will be short-lived, with copper prices set to rise, Bernstein has forecast.
The ratio—seen as an indicator of risk appetite—moved off a 10-year low of 3.8 last week, edging up to 3.9 as copper rose $350 per ton and gold lost $60 per ounce.
In uncertain times, investors have flocked to havens, such as gold, while global growth pressures hit copper prices.
As a result a lower copper-to-gold ratio can signify a lower appetite for risk assets.
Bernstein analysts said the key metrics around the gold copper trade had reached trough levels and expected the ratio to rise, driven by higher copper prices.
The firm expected investors, who have traded long gold and short copper, to cash in and support a higher copper price in the near term.
The long-term price trajectories have moved in the same direction but have diverged on several occasions, including after the global financial crisis, during the European Union debt crisis, and, more recently, as a result of the U.S.-China trade war.
Copper has fallen 10% since March, while gold has jumped 15% over the same period.
Analysts at Bernstein said the fall in copper prices so far this year didn't reflect the commodity's fundamentals. "It is in fact a function of speculative traders capitalizing on the recent macro uncertainty with U.S. and China trade war tensions," they wrote.
"The current Copper Gold pair trade will reverse, however, as it has done historically, and the extremes where we sit today are always short-lived—this will be supportive for copper prices in the near-term." They added: "We expect to see the price ratio rise, driven by copper price rising rather than gold price falling."
Miners and commodities traders, such as Glencore (ticker: GLEN.UK)—whose shares are down 13% in 2019—have struggled this year but would benefit from rising copper prices.
J.P. Morgan downgraded the Anglo-Swiss miner last month due to risks of a global recession and a trade war, and the fact that its balance sheet was exposed to copper prices.
The firm said the company had the highest earnings leverage to commodity prices of the major global miners, and that a 10% rise in prices would boost full-year earnings per share by 115%.
Email: email@example.com


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By AOPA Government Affairs staff
March 31, 2011
Now that Florida's infamous use tax for visiting out-of-state aircraft is history, the state legislature is considering a bill to expand the sales-tax exemption on aircraft parts and maintenance labor to boost the state's once lucrative aircraft servicing industry.
Senate President Pro-tempore Michael Bennett – with the support of AOPA and the Florida Aviation Trades Association – has introduced Senate Bill 1242 to lower the weight qualification for the exemption from 15,000 lbs to 2,000 lbs in order to better compete with other states with existing exemptions.
"This is an important and timely measure for Florida's aircraft servicing industry, because small planes are big business," said AOPA Director of State Government Affairs Mark Kimberling. "And while Florida is certainly an epicenter for GA activity, numerous states have taken aggressive action over the past several years to de-centralize the industry and lure business away from Florida's numerous repair and service operations. As a result, not only is Florida losing out on out-of-state business, but we've also started to see Florida aircraft owners leaving the state for what can amount to significant savings on major maintenance work."
Source: AOPA ONLINE
Date: 2011-03-31


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Stay Up to Date
Receive Bicycle Friendly America news delivered straight to your inbox every other week.
April 19, 2010
Sunny Long Beach
League President Andy Clarke was just out in Bronze Bicycle Friendly Community Long Beach, CA. getting a tour of the local bike facilities from mobility coordinator Charlie Gandy. But you don't have to go out to sunny SoCal to take a look at what they're doing for bicyclists. Check out this new video from StreetFilms.


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Many Monsun owners have had questions about what to do with a faulty rudder, or how they should check the state of their rudder. Of course this is one piece of very important equipment, so here is a short explanation of how it works.
Instructions for removing the rudder from your Monsun. This was posted many years ago on the Danish Monsun website. The lower rudder fitting (red arrow) is often worn down extensively on many Monsuns, and thus has to be replaced. Here are the clean bronze fittings (top, middle and bottom) shown after cleaning them off.
And here are the instructions in Danish (see below), saying that after removing the propeller, rudder shaft bolt, you can remove the rudder shaft/stock (by knocking it upward), the middle rudder pin (short one, see inset on the right) can be removed by drilling a hole underneath it and then knocking it uppward with a steel pin. Then, the whole rudder can be twisted slightly and lifted off the bottom hinge ring.
Alternatively, you can drill a hole in the top of the bolt and cut in a threading, to screw in a bolt with which you can pull the middle pin upward and out.
The Monsun rudder, a nice piece of work
Steady and robust, but not everlasting
Here is a description on how to remove the rudder


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Maxine is the firm's resident Director at the Cromwell office.
After graduating in 1988, Maxine commenced practice in Invercargill, becoming a partner in 1993. In 2005 Maxine moved with her family to Cromwell where she has become deeply involved in the community, including serving 9 years on the Cromwell College Board of Trustees, 6 of those years as Chairperson.
Maxine joined Checketts McKay as a Director in 2013. She has extensive business and property law experience and is known for her pragmatic approach in complex situations. Maxine has a particular interest in investment property and trust transactions.
Maxine served for 25 years as a Tenancy Tribunal Adjudicator, retiring in June 2018. Having that inside knowledge of rental investment property is a real advantage for her clients.
Maxine's recreational time is spent with family and friends enjoying the Central Otago environment.
Areas of practice:
Fraser is an experienced property and commercial solicitor admitted in both New Zealand and in England and Wales (non -practising). After 12 years working in the United Kingdom, Fraser has returned with his young family to beautiful Central Otago.
In his last 8 years in the UK, Fraser was Managing Partner for a specialist law firm primarily advising leading commercial banks and financial institutions in connection with real estate lending activities. Fraser has extensive experience in handling property transactional work relating to commercial property (industrial, warehouses/distribution, development land, retail, hospitality, leisure, agricultural, viticultural and horticultural), residential investment property and residential property. He has been a panelist at the Property Investor and Homebuyer Show, the UK's largest exhibition of UK property and has been a commentator for property finance industry publications.
Areas of practice:
Karleigh joined Checketts McKay Law as a part time Legal Assistant in 2017 while finishing her LLB at the University of Otago.
She works mainly in estate and trust law at our Cromwell office but will be increasingly assisting Director, Maxine Knowler, with a variety of legal work and is looking forward to gaining experience in many areas of court work.
Karleigh has lived in Cromwell with her husband and children for the last 13 years and has hands on experience in buying, selling, building and subdividing residential property in Cromwell. Outside of work, Karleigh enjoys biking, hiking, playing sport and being actively involved in her children's many interests.


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No Nonsense Neutrals
Sweater (same style, different color): Old Navy/ Shirt (similar): Loft/ Necklace (similar): Kohl's (store) Simply Vera Vera Wang (designer)/ Pants (similar): TJ Maxx (store) Abercrombie (designer)/ Booties (similar): TJ Maxx (store) Elie Tahari (designer)/ Watch (similar): Macy's (store) Michael Kors (designer)/ "Love" Bracelet (similar): Nordstrom/ Spiked Bracelet (similar): Aeropostale/ Purse (similar): TJ Maxx (store) Claudia Firenze (designer)
Shades in the neutral, earthy toned family are often given the poor connotation as being boring or just for hippies, however that is not the case. As long as you use a variety of textures and interesting shapes within your look, you can achieve an outfit that is fashion forward and glamorous. These chocolate brown leather pants are a great example because they are simple in their color, however the fitted cut and leather texture, along with seaming details make them interesting. A long striped shirt and chunky mustard color knit pair well together over the fitted silhouette of the pants. Suede booties in another shade of brown, more of a chestnut color, and a bold leopard print purse that ties the brown, mustard, and striped shirt together adds to the fierceness of the look. Gold accessories, such as a bold pearl statement necklace, oversized watch, "love" bracelet, and spiked bracelet lend the necessary glamorous touches to the outfit. Let me know how you style outfits with earthy tones in the comments below!
Stay Classy!
xoxo Emily
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Where I Shop:
T.J. Maxx
Home Goods
Nordstrom Rack
J. Crew
Kendra Scott
Banana Republic
Copyright © 2015-2020 Emily Ehardt.


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Chocolate Mint Cups
These tasty treats are similar to my Peanut Butter Cup recipe, however I came up with this combination specifically for my brother-in-law who loves commercial mint cups but won't eat them because of the sugar content.
As these ones I have created are raw, m...February 2016
Peanut Butter Cups
Your friends won't believe these are healthy!
These treats are a beautiful combination of sweet & salty. And to make this even better... they can be made from start-to-finish in under 1 hour!
Start with making a batch of my Healthy Chocolate. Pour the liquid chocolate in to a squeezeable dispensar...February 2015
Dr. Shelby's Healthy Chocolate
tasty treat with no refined sugar
This is an easy-to-make chocolate.
No cooking.
No refined sugar.
Plenty of delicious!
I created this recipe quite by chance. I had read that coconut butter can be made simply by blending shredded coconut in a high-speed blender. While enjoying my...February 2014
Indian Curry - Tofu & Veggies
This is a very versatile recipe; while I use firm tofu, the protein component can actually be
any of your choosing such as white fish, chicken, steak, or even hard boiled eggs.
The ingredients vary each time I make this dish depending on what is on-hand...October 2011
Take a Hike!
Growing up on the Niagara Escarpment I have had many adventures on our local trails; Bruce Trail, Kolapore, Three-Stage, local ski hills and more! Hiking around here is an invigorating experience... and being mindful of some basic essentials can make it...October 2009


text: GREAT DESIGN: Featuring a chubby Scottish nutcracker wearing a traditional red kilt and playing the bagpipes, this piece of home decor is sure to please.ADD THAT MAGICAL TOUCH TO YOUR HOME: This will brighten up the look of any room and makes a perfect addition to any home's decor. Create Christmas cheer in your home with beautifully designed decor you'll want to put up year after yearPERFECT SIZE: Perfect on tables, shelves, counter tops, and more, this nut cracker measures 4″ x 3″ x 7″100% GRINCH PROOF OR YOUR MONEY BACK: We at Clever Creations make only the finest home goods of the highest quality, from seasonal decor to staple home items and more. Backed By Our 100% Satisfaction Guarantee


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Fusion Furniture Carys Doe Ottoman
Ref #: 1624348
- 100% Polyester (easy to maintain)
- An industry standard 1.8 Density Foam with compressions
- 16 Gauge Border Wire to maintain shape and support
- Welted Trim
- Nail head Trim
The Carys Doe rectangular ottoman exemplifies an updated traditional look with decorative nailhead trim on the bottom edge. The turned wood legs add warmth while complimenting the corded top cushion with a cottage-style look that can transition into any room setting with style and enduring comfort.
|19 inches
|28 inches
|38 inches
Manufacturer Warranty:
- Sinuous No Sag Springs with 1 Year Limited Parts & Labor Warranty
- Hardwood Frame with 1 Year Limited Parts & Labor Warranty
- 1.8 Density Foam Cushion with 1 Year Limited Parts & Labor Warranty
- Fabric with 1 Year Limited Parts & Labor Warranty
|Body Fabric Pattern
|Leg/Base/Skirt Type
|Exposed Wood Leg
|Fabric Material
|Polyester / Polyester Blend
|Leg/Foot Style
|Upholstery Type
|Made in the USA
Ships with White-Glove Delivery
Delivery on our trucks to areas within 200 miles.
- Opening the merchandise on our docks.
- Disposal of all boxes and trash.
- Inspection for damages.
- Assembly of your merchandise.
- Delivery and in-home setup.
- Setup and instruction of items requiring power.
- Clearing a pathway into the room of your choice.
- Removal of old furniture or mattresses.
Furniture and decor covered by our 72-Hour Happiness Guarantee.
Most mattresses covered by our 90 Night Comfort Guarantee.
See all Store Policies
See our FAQ
|3 Years Montage Protection Plan
|5 Years Montage Protection Plan
On May 1, 2009, Fusion Furniture Inc. was formed. The motto of our company is "Where Style Meets Value". We understand the importance of the distinct, yet separate elements that the consumer, as well as the retailer, expects from today's manufacturers.
It is our purpose driven desire to meet these expectations while forming friendships that will last for generations to come. We would love to have you as a part of our family as we strive to excel in our FUSION of STYLE, VALUE, and SERVICE.
—From the manufacturer
Talk to a Local Product Specialist
Give us a shout! Whether it's about this product or something else, our Memphis area-based team is here, knowledgeable and excited to answer your questions.