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Can CBD Cause You to Fail a Drug Test?
Can CBD cause you to fail a drug test? Passing a drug test may be a normal activity many of you have to do throughout life. And the fear of failing because you ingested a hemp base product should be the last thing you need to worry about. Although CBD cannot get the user high, the way it is made can still lead to a positive result in a drug test. Regardless of whether the product was manufactured using cannabis or hemp, many CBD products still contain trace amounts of tetrahydrocannabinol (THC) – the cannabis compound known for its ability to provide the user with stoned effects. This can cause someone to fail a drug screen, even though there is not enough THC in these products to get them high.
All CBD products are required to have no more than 0.2 percent THC. By comparison, CBD is a lot like a non-alcoholic beer. While most with an ABV of around 5.5 percent, non-alcoholic have only around 0.4 percent. Technically, the booze-free versions still contain alcohol, but not enough to get a person drunk – no matter how many they consume.
It should be pointed out that it is rare for a CBD user to test positive for marijuana. The outcome really depends on how much a person ingests and how regular. For instance, someone taking an average dose of between 120 to 160mg a day may not be at an elevated risk. However, a person who consumes more than 1,000mg daily could find themselves having traces of THC show.
Diet and water intake are other factors. When consuming healthy foods rich in vitamin and minerals, your body is able to clean out impurities more quickly. Having sufficient water intake also helps regulate your normal body functions.
Consumerlab president Tod Cooperman, whose company tests hemp-based CBD, says around 10 percent of people who use CBD test positive for marijuana. So, "it can happen, he said. People should be aware that it is always a possibility. (1)
If your fear is testing positive, our recommendation is taking a CBD isolate which allows you to benefit from CBD without the worry about any trace of THC. Take a look through our product range to see what product is best for you.


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Parties & Entertaining
6 Items
The perfect party edition!
Birthdays, anniversaries, New Year's Eve parties, promotions, graduations – you name it, we celebrate it! These light and lively conversation topics will fill your party with great conversation and loads of laughs. Pop your favorite bottle of bubbly, break out the TableTopics, and let the party begin!
Holiday Conversation Pack$20.00
These festive questions will add sparkle to your holiday table and bring your family and friends together in new ways. Discover, reflect, reminisce, and share laughter through the season and beyond.
Thanksgiving with Family
Add a special ingredient to your traditional Thanksgiving with these engaging conversation starters.
A Very Merry Christmas
Bring friends and family, young and old into the conversation with these festive questions about everyone's favorite time of year.
New Year's Eve
Pop the champagne! Whether your guests are "old acquaintances" or new friends, these conversation starters will inspire humor, reminiscence, and resolutions.
Getting Married Conversation Pack$20.00
Weddings are full of fun events and getting to know a wider circle of family and friends. Use these engaging questions and enjoy memorable conversations during this special time.
Wedding Shower
Shower the happy couple with love, laughs, and sage advice! This set of conversation starters is perfect for bridal showers or couples' events.
Bachelorette Party
This set contains questions to spark the kind of conversation you'll want to keep just between girls. Wild, funny, racy? Yes. It's a Bachelorette Party!
Love & Happiness
A set just for the newlyweds – a little romantic, a little bit sweet. Perfect for pillow talk and more!
Pop Culture Conversation Pack$20.00
Talk about the times that inspired your generation. The music, the movies, the fashion, the tech. Connect Gen X with Gen Y and you get… lots of laughs and great conversation!
Disco was king, shag carpet was a thing and Farrah's hair was everywhere.
Dive into topics inspired by the decade that put the "pop" in Pop Culture
(and, the pad in shoulder pads! Sorry... couldn't resist.)
"As if" we could forget what made the '90s so "fly"! Talk about movies,
music, and moments that make the Y2K era so memorable.
Tee off lively conversations at the clubhouse or gift your favorite golfer with these fun golf-themed questions.
Friends Conversation Pack$20.00
Drinks After Work
Time to unwind and get social. Take this pack of conversation starters to your next meet up. You'll be so glad you did!
Dinner With Friends
Casual dinners with friends just got way more interesting. Break out this set of questions and learn something new about the people you think you know best.
Wine Wednesdays
Wine not? These fun, engaging questions are an irresistible pairing with your favorite bottle of red or white (and a few friends too).
6 Items

subset: commoncrawl


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Subprime Mortgage Meltdown Continues
MEMPHIS (CN) – In another spinoff of the subprime mortgage fiasco, a federal class-action complaint accuses Morgan Keegan & Co., Regions Financial Corp. and others, including PriceWaterhouseCoopers, of defrauding investors by misrepresenting and failing to disclose information about Regions Morgan bond funds that lost 50% or more of their value this year.
The net asset value of the Regions Morgan Keegan Select High Income Fund sank by 61% this year, from $10.14 to $6.23 per share; and the net asset value of the RMK Select Intermediate Fund sank by more than 43% this year, from $9.93 to $5.07, the suit states.
Plaintiffs claim the bond funds' performance is astronomically more wretched than comparable funds, and that defendants misrepresented the investments at every step along the way.
Here are the defendants: Morgan Asset Management, Morgan Keegan & Co., Regions Financial Corp., MK Holding Inc., Allen B. Morgan Jr., J. Alderman, Jack Blair, Albert Johnson, James McFadden, W. Pittman, Mary Stone, Archie Willis III, Brian Sullivan, J. Weller, Charles Maxwell, Michele Wood, James Kelsoe Jr., David Tannehill, and PricewaterhouseCoopers LLP.
Lead counsel for plaintiffs is Lockridge Grindal Nauen of Minneapolis. See the 125-page complaint.


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Accident and Injury
Work Injury and Car Accident Treatment
Ark-La-Tex Spine Care is experienced in treating patients suffering from work injuries and car accidents. Our professional medical staff will work with your insurance company to make sure you receive the work injury treatment you need.
When accidents happen, injuries to soft tissue, bones, and the head can cause chronic pain. Pain management after a car accident is an important aspect of your recovery process.
Symptoms and Causes
When you experience an auto accident or work-related injury, sometimes pain is immediately apparent. Other times, you may not experience any pain. Regardless of whether you feel injured or not, it is still wisest to visit a credible, qualified accident physician immediately following the incident. It is normal for pain to occur hours, days, or even weeks after the original injury.
Lifting, falling, cutting and repetitive motions can all result in work-related injury. Those working in more physically demanding industries are at greater risk for getting a work-related injury.
Testing and Treatment
Because the symptoms of auto accidents and work-related injuries are so broad, testing must be determined by a doctor in order to properly diagnose and determine the best treatment option.
There are a number of injury treatment options that help the painful symptoms following a work-related injury or an auto accident, which include:
- Acupuncture
- Chiropractic Care: Accidents can cause the back or neck to become misaligned. Visiting a qualified chiropractor can help realign your spine and help encourage healing.
- Diagnostic Injections
- Disability Evaluation
- Electromyogram (EMG) and/or Electromylogram
- Epidural Steroid Injections: These minimally invasive injections can help alleviate pain and improve recovery by treating inflammation in the back, leg, neck, or arm.
- Full Medical Exam
- Functional Capacity Evaluation
- Ice: Icing the affected area can help reduce the swelling and pain of a muscle, ligament, or tendon injury.
- Maintenance Care (After Care)
- Massage Therapy: Soft tissue is easily damaged by the force exerted on the body during an accident. Damaged muscles can tighten or heal incorrectly, causing additional pain. Massage therapy can help relieve muscle pain and improve blood circulation to the injured tissue.
- Medication: Anti-inflammatories, muscle relaxants, and painkillers can all help an accident victim recover from their injuries by alleviating the pain and swelling, and allowing the injured areas to heal.
- Neck or Back Brace: Wearing a neck or back brace temporarily can be helpful for recovery. However, these muscles need to move in order to heal correctly, so restoring regular movement is important.
- Neurostimulation Therapy
- Physical Therapy: During an accident there can be damage to nerves and muscles resulting in limited range of motion and pain. Physical therapy will encourage healing and strengthening the injured area.
- Radiofrequency Ablation (RFA): Patients with chronic pain may benefit from RFA, which uses an electrical current produced by a radio wave to heat up a small area of nerve tissue. This can help reduce the pain signals that form in that particular area for the patient.
- Therapeutic Injections
Ready to Start Your Journey?
Call us to schedule an appointment with our pain management experts
- 318-841-9999


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Derek Rose
Triton 10 Wine Cotton Velour Towelling Gown
Derek Rose's Triton gown is made from pure cotton velour, which makes the perfect bathrobe. A cut back yarn on the outside gives it the soft velour finish, with a rich and lustrous appearance, whilst the looped 'towelling' yarns inside are designed to maximise absorbtion of water and enhance the drying quality of this dressing gown. You'll be dry in an instant Ñ not to mention toasty warm.
Free shipping is applied to orders over £200.
All orders are shipped via DHL Express.
Made to Order products are dispatched within 28 days of purchase.
Pre-Order products are expected to be dispatched within 3-4 weeks from time of purchase.
For more information on shipping, returns and exchanges please click here.


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DC Comics
THE GREEN LANTERN SEASON TWO #1 Collector's Pack Pre-order
The team of writer Grant Morrison and artist Liam Sharp continue their bold new take on the Emerald Warrior in a wild 30-page second season opener! In the wake of the Blackstar incursion, Hal Jordan and his fellow Lanterns must pick up the pieces from that cataclysmic conclusion. Among them is Jordan's next critical mission: search for the next generation of cosmic immortals. Is the universe ready for…the Young Guardians?
Estimated Release Date: FEBRUARY 2020
Pack 1 is $12.99 and contains the following 3 covers:
- GREEN LANTERN SEASON TWO #1 - cover by LIAM SHARP
- GREEN LANTERN SEASON TWO #1 - variant cover by GERALD PAREL
- GREEN LANTERN SEASON TWO #1 - blank variant cover
Please Note: orders will not ship out until all the comics in your order have been released. Once the comics are released it may take up to 7 business days to ship orders out. Customers in the US and Canada will receive a tracking number with their order. Expect shipping to take up to 2 weeks in North America, longer in other countries. Variant cover information is subject to change. Most books will be in NM condition but cannot guarantee this. All books will be VF/NM or better. Thanks


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Lighting Products
Products that Produce Light.
During and after a disaster event - you will need 3 Types of Lighting:
1) Tactical Lighting: This type of lighting allows you see farther (distance) into the darkness. Used for: searching, navigation, self-defense, security, general safety, etc. This would be your Flashlights section. Tactical lighting is the most important type of lighting you will need to provide for.
2) Task Lighting: This type of lighting allows you to be more effective with closer types of tasks when you need to have your hands free. Used for: providing First Aid, making repairs, walking around, climbing, reading, etc. This would be your Headlamps section. YES - you can use a flashlight for task lighting - but the headlamp will give you a focused light on your work area - while keeping your hands free to do the work.
3) General Purpose Lighting: Used when you need to light up a general area: a room, a car, the immediate area around you. Especially useful for creating a calming effect while surviving a disaster event. This would be your Lanterns section. Similar to the general lighting generated by the lamps inside your home. Not as bright or focused as the flashlights and the headlamps.
We also included an "Other Lighting Options" section. This section will include your Candles, Light Sticks, Hurricane Lamps, etc. These options do have a purpose - BUT - they do come with potential safety hazards. They should be considered only after the safer battery operated lighting options. You will need to be very careful while using these products - especially around children - but they are viable options when you have exhausted your battery products options and you need a light source. Remember: You will be surviving a disaster situation - you will need to do what you need to do to survive. But BE SAFE doing it.


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Team Building
This is a phrase seldom used in our busy work schedules or humdrum daily routine. Most employees start out with fire and passion and eventually settle of the path of least resistance.
Play connects people making them more passionate about working together towards common goals. Blue Moon offers Team building activities in Miami, Fort Lauderdale, Hollywood and West Palm Beach areas.
Your map to adventure starts by breaking down your office into groups to build it back into a stronger team. We can customize your adventure by selecting one, two, or three different activities for your day. We TREK IT, KAYAK IT, and BIKE IT all while playing fun, engaging games meant to challenge your team. Along the way , everyone learns something more about each other and themselves.
Blue Moon will help design this special day out of the office. Complete with transportation, activities and food & beverages. With 16 years of experience, you can trust we have the expertise.
Most popular is our ADVENTURE RACE, a combination of all three activities and more!
One of our experienced guides will take you for a hike through the trails in our parks and beaches to share knowledge of our local environment and history of Florida.
Let our experienced guides take you out on the water by either Tandem Kayaks or Stand Up Paddleboards. No experience needed. Perfect for all skill levels.
Our experienced guides will take you off road with our mountain bikes for a rugged adventure or cruise down our beaches too! Different trails for all levels of experience are available.
"BMOA has a unique creative skill set to ensure our event was a great success! Exceptional Fun on the water."
"Everyone had a blast and still talk about it at the office. We loved the scavenger hunt and can't wait to do it again next year."
"Working with Lauren and Colleen made our trip easy and fun. They coordinated our perfect day out of the office event."


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Every Day
Oh, I met some amazing people this last week! Went to a remote place to take a break and just enjoyed the change of scenery, committing to being the most joyful person in the room. It was infectious and others were swept up in the fun! No complaining about politics, or how others behave, just appreciating how fantastic life can be. What a difference from last weekend and a great reminder that every day is a new chance to practice Love First.
"Today and every day is a new opportunity to be the best me I can be!"


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A Nepal gap year will take your breath away. Home to the Himalayas, including Mount Everest and seven more of the world's ten tallest mountains, Nepal presents some of the world's most spectacular scenery. But there is much more to the country than its famous peaks, as you'll learn from living and working in a rural community.
Tucked at the North of India, and bordering Tibet, Nepal has an array of Hindu and Buddhist pilgrimage sites and celebrates a large number of colourful religious festivals. Its capital city, Kathmandu, offers a lively contrast to the quiet, peaceful mountain countryside. There you'll be overwhelmed by sights, smells and people everywhere, going about daily life in the city.
Nepal's economy is developing, but is it still largely dependent on agriculture with over 70% of the workforce being employed in this sector. There is a huge demand for teachers, particularly in rural areas. The under-resourced education system means that less than half of primary school children enter into secondary school. For many Nepalese, the choice is either to stay in their local village as a subsistence farmer or move to a big city. Many Nepalese have gone further afield in search of work, becoming labourers or construction workers in the Middle East.
Projects available in Cambodia
Latest News and Stories
How Portia remained an active Global Citizen after her Project Trust gap year
Portia volunteered with Project Trust in Cambodia in 2009/10. She told us how she's remained
Making an impact as an eight month Volunteer
Esme Pitts was an eight month Volunteer in Cambodia in 2014/15. She told
From Training to starting work, Project Trust's 2015/16 volunteers start their gap years
Since July Project Trust's 2015/16 volunteers have been to Coll for Training, traveled to their
Blog Action Day: A volunteer's first-hand experience of inequality in Cambodia
In 2013/14 Gwen volunteered with Project Trust in Magna Group Home, a residential home in


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Once Upon Again #1 Ashcan – cover
Once Upon Again 1 : The Ashcan of Njord & Skadi 8 A6 pages fold out to poster £1.00 +50p p&p The upcoming comic, Once Upon Again 1, will be a 24-page retelling of the norse myth the Marriage of Njord & Skadi, by Jon Mason & Simon Russell. This small ashcan/flyer of behind the scenes […]
summit, I did: Draw The Line
Draw The Line: Concrete Political Actions 18/01/17 Post-Trump Election, a lot of people were feeling shocked. Cartoonists are people too… One of my comicking friends, Myfanwy Tristram, went for a run and came back with a good idea: a comicbook of concrete actions one can take when the prevailing politics are going against their core […]
Fat Cats strip
back to blog
Pressure (cooker)
back to blog
summit, I did: Merkin
That's Not My Merkin 24/05/12 I made this as a parody for all recent parents. The print run was short and the reception was great… but when I got down to the final 15 copies I received a threat of legal action from Usborne Books. It seemed unlikely at the time that they could win a […]


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Today is the 74th Birthday of Bianca Jagger. She wore a red off-the-shoulder Halston dress and has been incorrectly reported that she rode a white
Day: May 2, 2019
Mix Tape May vol. 2
Every day for the month of May, I am posting a series of one hour 80s Punk and New Wave mix tapes from Generic Male


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Season of Epiphany February 2018
In This Issue
Rev. Kathi's Article
From the Leadership Circle Chair
Life at EMUC
Covenanting Service
Circle of Friends
EMU Kids' Zone
Women for Women
Children of Hope Haiti
2017 Stewardship
Upcoming Events
Black History Month Services
Euchre & Dessert Night
Bunch for Lunch
Shrove Tuesday Pancake Supper
EMUC Striders
Dates to Remember
Communiqué Publication Dates
Feature Article by Rev. Kathi
Our Response to Loneliness
Is loneliness the latest pandemic to be identified?
A report last year from the International Red Cross has said that loneliness was as harmful to health as smoking 15 cigarettes a day. Another study says that loneliness has a bigger negative impact on longevity than poor diet, lack of exercise and a polluted environment. It is a proven fact that people who have happy and stress-free lives live longer than those who are bogged down with stress or are unhappy and lonely.
In 2016 the United Arab Emirates was the first country in the world to announce a Ministry for Happiness. Ohoud bint Khalfan Al Roumi was appointed the first Minister of Happiness with the responsibility to plan programs and policy to achieve a happier society. The responsibility of the office was to "align and drive government policy to create social good and satisfaction".
Nearly two year later, Britain has appointed the world's first Minister for Loneliness, a problem that causes unhappiness. Last week Prime Minister Theresa May announced that Tracey Crouch, a junior minister for sport and civil society, will also take on the newly created portfolio of Loneliness.
May described loneliness as the "sad reality of modern life" that affects millions of people in UK. "I want to confront this challenge for our society and for all of us to take action to address the loneliness endured by the elderly, by carers, by those who have lost loved ones - people who have no one to talk to or share their thoughts and experiences with," said May.
The pursuit of happiness is not a new concept and in fact the United States enshrined it as an individual right in their Declaration of Independence nearly 250 years ago. Since the 1970s the tiny Himalayan kingdom of Bhutan has instituted a Gross National Happiness Index, which measures happiness based on psychological well-being, ecology, health, education, culture, living standards, time use, community vitality and good governance.
In 2013, Venezuela created a Vice-Ministry of Supreme Social Happiness and Ecuador named a State Secretary for "buen vivir", or good living. In 2017 India's second largest state Madhya Pradesh appointed a Minister of Happiness in the state government. Measuring happiness has become very important these days and surveys linking happiness and the country's overall development are becoming prevalent. The United Nations has called on member states to place more emphasis on happiness as a measurement for social and economic development. Since 2013, the UN has also published annually a World Happiness Report which ranks 157 countries from the happiest which was judged to be Denmark to the least happy, which was Burundi in the last edition. (In case you were wondering, Canada ranked 7th in 2017)
People are now living longer and therefore many places in the world have a larger aging population. A breaking down of the family unit, and work pressures on children has meant that the elderly no longer live as part of extended families with children and grandchildren and hence feel very lonely. A survey showed that over 50% of the elderly and the over 75-year-olds in Britain live on their own, often going for weeks without seeing another human being.
Loneliness doesn't affect just the elderly. The technological revolution has also meant that we can all live more unconnected lives with so much being done through the computer and the internet from the comfort of our own homes, without any physical interaction with other people. Human interaction is becoming unnecessary and it is demolishing real sociability and replacing it with a virtual reality which can be the cause of loneliness among the younger generations.
Our faith community can be like an extended family: we watch out for each other, reach out to our ill and isolated members and always hold each other up in prayer. Our Membership and Pastoral Care Circle coordinates a lot of this loving care but cannot do it without your help and input. If you know of anyone needing attention you can, of course, reach out to them on your own. You can also make the team aware and, if you have an interest, come and be a part of this important work of the church.
Yours In Christ,
Rev Kathi
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From the Chair of the Leadership Circle
Despite the fact that I often associate the fall with the beginning of a busy church season, I have come to realize that there are really no quiet times at EMUC. As we start into a fresh year, we have had a busy January, with a meaningful and lovely covenanting service with Kathi Phillips and a launch of a new children and family area within the sanctuary.
As I write this article, annual reports are being written and budgets are being prepared to present to the congregation at our Annual General Meeting on February 25 following the worship service. There are also several folks who are memorizing lines and developing characters for an upcoming fundraiser that will involve a Murder Mystery dinner at Eden United Church. This event will be a shared fundraiser with both churches, and the show will be performed on both April 28 and 29. Rehearsals have been taking place since the beginning of January and everyone involved is working hard to make this a fun evening for all who attend. Please watch for more information once we get closer, as we will need a team of people to assist with behind the scenes jobs for this important fundraiser.
We also received encouraging news around our sponsored refugee and hope that we will be welcoming him to Canada very soon. This church is a living, breathing entity that is continually changing, growing, encouraging, supporting and actively participating in our community. I am amazed by the work of this congregation and thankful for the opportunity to participate in such positive experiences alongside so many of you.
Joanne Hines, Leadership Circle Chair
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Thanks to:
Sylvia Arnold
for all she does to plan and organize the worship services, special services; e.g. Hope and Healing service, Christmas and the Covenanting Service.
Len Feldman, Nancy Blackport, Dianne Hope, Sylvia Arnold, Janet Morrison and Barb Jennings
for providing music at the Hope and Healing service.
'Loaves and Dishes' members
for overseeing the receptions after the Covenanting
all who baked
for the funeral reception for Susan Nauss.
All those contributing to and organizing
the Christmas hamper program in December.
Chancel Choir
for the special music during Advent and Christmas.
All those who contributed to Out of the Cold and the Comfort Kits.
Linda Lee
for her special decorations to illustrate our Advent Theme.
all who helped take down and store Christmas decorations.
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EMUC has lost three members during the month of January. Our condolences, thoughts and prayers are sent to the families of:
Sharon Kashino
Susan Nauss
Don Holder
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Life at EMUC
Covenanting Service
On Jan. 14th the Covenanting Service involving Rev. Kathi Phillips, Erin Mills United Church and Halton Presbytery was held to celebrate Rev. Kathi's new ministry with us. The service was led by Rev. Orville James representing the Presbytery. The invited speaker was Rev. Debra Sneider, a friend and colleague of Kathi's. The Chancel Choir sang 'The Lord is my Shepherd'. Symbols (a Bible, Water, Basin and Towel, Bread and Wine, the Woven Tapestry) were presented to Kathi by members of the Joint Search Committee: Kathy Andres, Sylvia Arnold, Neil Ekels, Georganne Vickery, Janet Tait, Hilton Jeffers and Gabriel Fearon. Kathi was invited to weave her thread into EMUC's tapestry.
The service was well attended. It was nice to see old friends and new. Former ministers associated with EMUC (Rev. Harry Oussouren, Rev. Joanne Hedge, Rev.Jackie Burnie and Lynda Appleby) were in attendance. A reception followed the service.
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Circle of Friends
The women of Circle of Friends held a potluck luncheon on Jan. 24th. Thanks to Sue Ogilvie and Sylvia Arnold who organized the event. A good time was had by all!
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New EMU Club Kid Zone
On Sunday Jan. 28th, we launched our new kids club area within the sanctuary. The idea will be for children and families to use the space and enjoy quiet, hands on activities during the worship service. Technology will be set up to encourage the children to enjoy a bible story or do a puzzle on an iPad. Children will be encouraged to play instruments when the hymn is appropriate for accompaniment. There is a trend that is moving toward more inclusive program delivery for children in worship and we are excited to involve our young people in activities within our space. On our launch Sunday, 4 children enjoyed the new space and were quietly engaged in things like playdough, drawing and using whiteboards. Please come by to see our new area.
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Women for Women
On Jan. 26th Women for Women gathered for the first time in 2018. The evening started with a light dinner followed by a games night. Twenty women divided into groups to play various games. There was lots of laughter and fellowship during the evening.
The next Women for Women evening will be Mar. 2nd which will be a travelogue. Watch for the invitation! All are welcome!
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Update on Children of Hope Haiti
We, at Children of Hope Haiti, would like to thank you sincerely for your donations towards both school supplies and school uniforms in the past year. There were enough school supplies to supply 3 of the schools we sponsor. They were gratefully received. In addition, we were able to purchase 100 school uniforms for a brand new school (Leveque) which opened up in a former tent city and is now one of our sponsored schools. These children could not have afforded to purchase a school uniform without your help. This school covers grades 1-6.
Our organization is focused on education of youth in Haiti. The type of work which we do involves direct sponsorship of students so they can remain in school. We also provide supplies, books and funds directly to our sponsored schools. An initiative which we began 4 years ago was the provision of used laptops for older students. This initiative has evolved into the set-up of 4 small community-based labs where a qualified instructor teaches students basic computer applications (Windows, Word, Excel). We support high school students as well as a post-secondary scholarship program.
All of this would not be possible without our generous sponsors. Because we are a small grass-roots organization, we are able to reach young people in impoverished areas of Haiti and help them with their education. We travel to Haiti twice a year and deliver the supplies and funds. I, personally, have been going to Haiti for the past 5 years and hope to travel there again in March 2018. There is constant communication between our organization and our partners in Haiti during the year. Please look us up on our website: Childrenofhopehaiti.com.
a sincere thank you... Lorraine Brignall
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An Attitude of Gratitude - 2017 Stewardship Program
It is with a sincere sense of gratitude that I express appreciation to all those that made this year's stewardship program in November a success. We had an increase in both the response rate and the dollars committed to the work of EMUC. The good news is that regular projected givings are close to 2017 actuals stopping the drastic decline that we have experienced over the last few years. This gives us a good foundation to build on as we move forward. The draft 2018 budget, however, will show a decrease in the overall estimated givings because of a decline in special offering contributions expected at Christmas.
I would like to thank Mike Ogilvie for preparing the stewardship package that was mailed to the congregation, for tracking the returns and for tabulating the results. I also greatly appreciate the support of Barbara Jennings in preparing the communications plan for the program.
Submitted by Dave Leeder,
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Upcoming Events
Black History Month
This year EMUC will celebrate Black History Month on
Feb. 18th and 25th.
The theme for this year is "On Eagles Wings", and on
Feb. 18th
four members of the congregation will tell you what inspires them and helps them to "soar". Special music will be provided by Impromptu and Off the Cuff.
At 12 noon, Tim Hayes will lead the
EMUC Striders
on a visit to the ROM to see "Here We Are Here": Black Canadian Art Exhibition.
Feb. 25th
, we will have a guest soloist or group who will lead us in a service of readings and music.
Other events of interest in the area, are a Kick-Off Celebration of Black History Month at the Oakville Town Hall on Feb. 1st - 6:30 - 8:30 pm, and a visit to the Erchless Museum on Navy Street in Oakville which usually has an interesting display of the Black History of the area.
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Calling All Euchre Players!
This is an invitation to a lively evening of euchre and great desserts at
Erin Mills United Church in the Lower Hall on
Saturday Feb. 10th. Please arrive to sign in at 6:30 pm. so that play may start at 7:00 pm sharp. The cost is $10 payable at the door.
Come to
enjoy great cards, win prizes and enjoy yummy desserts.
hether you have a partner or are a single player, all are welcome.
Please e
mail Mary Anna Williams to reserve a seat and include the number of attendees.
Submitted by Mary Anna Williams
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Bunch for Lunch
The next 'Bunch for Lunch' is Sunday
Feb.11, 2018
after service at Symposium restaurant at 3055 Dundas St W, - NW corner of Dundas and Winston Churchill.
Separate cheques. Come join us for a time of fellowship. All are welcome!
Submitted by
Larry van Goozen
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Pancake Dinner on Shrove Tuesday, Feb. 13th
Feb. 13th
come to a dinner of pancakes, sausages and much more being prepared and served by the men of the congregation.
Gather at 5:45pm for dinner at 6pm. Tickets at the door are $10/adult; $5/child - family maximum of $25.
Shrove Tuesday Pancake dinners are rooted in the tradition of using up sugars and fatty foods prior to Lent so that meals during Lent are simpler fare. This is a great time for all ages - invite your friends and neighbours.
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EMUC Striders
The Royal Ontario Museum is showing an exhibit called "Here We Are Here: Black Canadian Contemporary Art" EMUC Striders will take to the ROM for Black History Month,
Feb. 18th, 2018.
Sign up sheet is in the Narthex, for those that can attend and offer to car pool from EMUC at 12 noon.
Museum is open until 5:30 if some want to stay later.
More details are available on the ROM website
and Entertainment Section of Toronto Star, Jan 28
Single Admissions (order online or at door. No group rates)
ROM Member FREE
Adult $20
Senior $17
Child $14
Youth $15.50
Submitted by Tim Hayes
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Dates to Remember:
Sunday Feb. 25th
after the service - Annual Meeting
Lent and Holy Week Services
Tuesday Feb. 13th at 7:00 pm.
- Service of Ashes
Sunday Mar. 25th at 10:00 am.
- Palm Sunday
Thursday Mar. 29th at 7:00 pm.
- Maundy Thursday Service
Friday Mar. 30th at 9:00 am.
- Good Friday Service followed by a hot cross bun breakfast
Sunday Apr. 1st at 10:00 am.
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EMUC's Vision is to be a thriving Spirit-filled congregation;
diverse, inclusive, and engaged with the community
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The Mission of EMUC is to offer opportunities for all persons
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Victor Osuagwu Is A Norseman; Pictured With Co Members In Ghana (Photo)
In a new picture which has surfaced online, Nollywood comic actor, Victor Osuagwu, posed for a picture with members of De Norsemen Kclub of Nigeria popularly known as Norsemen confraternity.
According to a Facebook user who shared the picture, this happened mini converge/meeting was held in Ghana as members deliberate on moving the club forward.
See what people had to say below..
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A California man has been charged for his involvement in a 1977 Sweetwater County homicide.
Murder charges have been filed against 73 year old Rodney James Alcala from California, following a 34 year investigation by the Sweetwater County Sheriff's Office. Alcala, a condemned California Department of Corrections inmate, has been charged with first degree murder, though it is unknown when he will be returned to Wyoming to answer for the charges.
It's believe that during the summer of 1977 Alcala murdered Christine Ruth Thornton, 28, of San Antonio, Texas and disposed of her body in a remote area northeast of Granger, in western Sweetwater County. In April 1982, Thornton's remains were located by a local rancher, but would remain unidentified until 2015 despite efforts by the Sweetwater County Sheriff's Office and Wyoming State Crime Laboratory. Though evidence located at the scene was dilapidated, it was determined that the individual was the victim of homicide.
In 2013 Detective Jeff Sheaman picked up the cold case and continued the investigation. A tissue sample from the remains was submitted to the University of North Texas Center for Human Identification for mitochondrial DNA analysis and was included into the National Missing and Unidentified Persons System. The system assists law enforcement agencies in the identification of missing persons through various means, including comparison of DNA samples from unidentified and missing persons and relatives of these people who submit DNA samples for analysis.
Alcala was tried and convicted for the 1979 murder of Robin Samsoe in 1980, and in 2005 was indited by a California grand jury for the murders of Jill Barcomb, Georgia Wixted, Charlotte Lamb, and Jill Parenteau. Alcala was convicted at trial of all four murders in 2010, and sentenced to death by a California jury. Following Alcala's 2010 conviction, detectives released a series of photographs that were found in Alcala's possession in 1979 in hopes of identifying other victims.
Though unknown to Sweetwater County detectives, Thornton's family had been searching for her since her disappearance from the San Antonio area in 1977, and in 2013 a relative was reviewing the Alcala photographs and found a photograph of Thornton. Thornton's family contacted the Huntington Beach Police Department detectives and reported their findings. In 2014 two of Thornton's siblings submitted DNA samples for inclusion into the NamUS system. In July 2015 Sweetwater County detectives were contacted by NamUS and alerted to the possible identification of Thornton.
Detectives continued their investigation, and positively identified the remains as those of Thornton. Detectives were also able to determine that the photograph of Thornton in Alcala's possessions was taken a short distance from where her remains were found.
Alcala, commonly known as the "Dating Game Killer" for his 1978 appearance on the popular television show, was also linked to two additional murders in New York in the 1970's. Alcala was charged and convicted of these crimes in 2012 and given a lengthy prison sentence before being returned to California. While Alcala has been deemed a prolific serial killer, authorities don't know the full extent of his crimes. It is estimated that Alcala may have up to 130 victims across the United States.
If convicted, Alcala could face punishments of death or life in prison in Wyoming.
Anyone who has further information on the case, particularly anyone in contact with Thornton or Alcala during 1977, is encouraged to contact Sergeant Joe Tomich at 307-922-5295.
Pictured James Alcala.


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London Pub Signs – The Lamb & Flag…
May 18, 2015
We've mentioned this Covent Garden pub, redolent with history as it is, before but we thought it worth a second look.
There's not much mystery surrounding the origins of the name – the Christian symbolism of the sign is fairly obvious and the symbol, which was used by the Templars and is also that of the Middle Temple, was apparently a reasonably common one for pubs. But the Lamb & Flag hasn't always been its name.
While there's been a pub on the site dating as far as back as the 17th century (the building was survivor of the Great Fire of 1666), it was apparently only named the Lamb & Flag in 1833.
Prior to that it was apparently known as the Cooper's Arms (in what we assume was a reference to barrel-makers) and at one time in its long history was nick-named the 'Bucket of Blood' thanks to the location being used for prizefights.
The core of the present, Grade II-listed, building at 33 Rose Street is said to date from 1772, but the brick facade is 20th century. A narrow passageway known as Lazenby Court, which dates from the late 17th century and connects Rose Street to Floral Street, runs alongside it.
Regular patrons have included author Charles Dickens (one of the many London pubs he apparently attended not infrequently) and other famous associations include the poet John Dryden – he is famously associated with Rose Street thanks to the fact he was beaten up there twice in 1679 after upsetting people with his satires (the pub's upstairs room is named after him).
For more on the pub, see www.lambandflagcoventgarden.co.uk.
PICTURE: Ewan Munro, Flickr (CC BY-SA 2.0)
Not much remains today of the original early medieval home of the Templar Knights which once existed just west of the City of London. While the area still carries the name (as seen in the Underground station, Temple), most the buildings now on the site came from later eras. But there are some original elements.
First though, a bit of history. The Templar precinct which become known as the Temple area of London was the second site in the city given to the military order, known more completely as the Knights of the Temple of Solomon (thanks to their Jerusalem HQ being located near the remains of the Temple of Solomon).
The first was in Holborn, located between the northern end of Chancery Lane and Staple Inn, and was known as the 'Old Temple' after which, in the latter years of the 12th century, the Templars moved their headquarters to the new site – 'New Temple' or Novum Templum – on unoccupied land on the bank of the River Thames.
This new precinct included consecrated and unconsecrated areas. The consecrated part was a monastery and was located around what is now Church Court with the monastic refectory built on the site of what is now Inner Temple Hall – the medieval buttery is the only part of the original building which survives.
The lay or unconsecrated part of the precinct lay east of Middle Temple Lane, where a second hall was built on the site of what is now the Middle Temple Hall (you'll find more on that here) which was used to house the lay followers of the order.
The original buildings also included the still existing Templar Church (pictured, along with a monument depicting the Templars outside the church), which was consecrated in 1185 during the reign of King Henry II by Heraclius, the Patriarch of Jerusalem, on a visit to London. Like all other Templar churches, its circular design was based on the design of the Church of the Holy Sepulchre in Jerusalem (the chancel was added later and consecrated in the presence of King Henry III in 1240 – for more on the Temple Church, you can see our earlier post here.
The New Temple become an important site in London (and the kingdom as a whole – the Masters of the Temple were the heads of the order in England) and was used by many of the nobility as a treasury to store valuables (and to lend money). It also had close connections with the monarchy and was, as we saw earlier this week, a power base for King John and from where he issued what is known as the King John Charter in 1215. He also used it for a time as a repository for the Crown jewels.
In an indication of the Temple's prominence in state affairs, some of the great and powerful were buried here during this period including William Marshal, 1st Earl of Pembroke, who died in 1219, and his sons William and Gilbert (for more on those buried in the Temple, see our earlier post here). There were also apparently plans to bury King Henry III and his Queen here – this apparently spurred on the building of the chancel on the church – but they were eventually buried in Westminster Abbey instead.
Numerous relics were also apparently housed here during the Templar times including a phial believed to contain Christ's blood and pieces of the true Cross.
The Templar era came to an end in 1312 when the order was dissolved on the authority of Pope Clement V amid some heinous allegations of blasphemy and sexual immorality which had the support of King Philip IV of France. While the pope awarded their property to the rival order, the Knights of the Hospital of St John of Jerusalem (also known as the Hospitallers), King Edward II had other ideas and ignored their claims with regard to the London property and instead, claimed it for the Crown (a dispute which went on for some years).
It later became associated particularly with lawyers, although lawyers would have certainly been at work in the New Temple given its role as banker to the wealthy (but more on its later associations with lawyers in later post).
For more on the history of the Templars, see Malcolm Barber's The New Knighthood: A History of the Order of the Temple.


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A Taste of Travel looks at the ways food connects us with a culture and each other. Sharing the recipes and restaurants we have encountered along the way…
It has been a long time since I have visited Philadelphia. The last time (declining to say how long ago) was to give a paper at a conference at the Philadelphia Museum of Art, which has extraordinary South Asian collections, as well as wonderful holdings of Italian and Dutch Masters. But, this article is about food. A two-day whirlwind trip to Philly prompted some focused digging into its food scene, which turned up with what I consider a culinarian's trifecta. My research required the restaurant easy to get to from where we stayed at the quirky Kimpton Hotel Monaco.
Being a history buff, McGillin's Olde Ale House made it onto the itinerary. The iconic Irish restaurant is Philadelphia's longest continuously operating tavern and one of the oldest in the country. Beer has been flowing from its taps since 1860. To be honest, they serve typical bar food like wings, burgers, and meatloaf served up in a casual, festive, noisy setting. I had to go with the Philly Cheesesteak. It was good, as expected. McGillin's offers an easy experience with good people watching, lots of televisions, and live, local music.
Barclay Prime, however, was the opposite. Refined. Contemporary. Slick. The steakhouse's groovy, mod "library" ambiance sets the tone for a sophisticated, twenty-first century supper club experience. It certainly lives up to it's claim as a "luxury boutique steakhouse." It is located in the historic 1929 Barclay Building on Rittenhouse Square and its menu is heavy on traditional steak and seafood offerings, but served with modern flair. Though I'm not much of a red meat eater… when in Rome! East and West coast oysters and Maine diver scallops for starters; I tasted other's lobster bisque, Parisian gnocchi, and crab cakes. The seafood set the precedent for my expectation for the meat, which did not disappoint. My main entrée was a mediterranean sea-bass–Branzino, fish (of course), but I had bites of Wagyu filet and NY Strip. It was a melt-in-your-mouth meat moment. In keeping with steakhouse tradition, a coconut cream pie seemed the right choice for dessert. A sweet ending for a most memorable meal. Barclay's rave reviews are well-deserved.
BUT, my pièce de résistance of downtown food discoveries was Di Bruno Bros. Gourmet Cheese Shop. New to me, but old news to the locals, since it has been in business since 1939. This is a culinarian's dream store. Having grown up in Pittsburgh, I'm drawn to the immigrant story of two Italian brothers setting up shop and attaining their American dream. Theirs' is even more of a global American dream, as one can find more than 500 types of international cheeses, making this the area's largest cheese shop. Besides having a huge cheese cellar and aging room, Di Bruno also carries a vast offering of gourmet international food products, charcuterie, pâtés, smoked seafood, and gift packages.
I always travel with a cooler in anticipation of hauling home edible souvenirs. This Di Bruno visit pushed my little Polar Cooler to its limits. The cheesemongers know their stuff and sold me on it all. I mentioned wanting a funky goat cheese and was given a taste of the funkiest goat cheese to ever touch my lips… and it was incredible. We sampled a new blue from Oregon. Quarter pound please. House-aged Provolone. Yes, please. And on and on it went. My favorite taste was a water cracker topped with a slice of Parmesan cheese drizzled with the mysterious, earthy Bee Raw buckwheat honey from Washington. Returned home with three jars in tow. They say to never grocery shop while hungry and luckily, we just had lunch, otherwise I might have had to purchase another cooler! Di Bruno Bros. has five downtown locations, each a little different from the other. The flagship store in Rittenhouse Square contains an upper level café serving pre-made pizzas, sandwiches, and a coffee bar.


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Section 9 receives a tip that a criminal group from Henan is planning on attacking a financial instutution. To prevent the attack, Section 9 infultrates the secret base of the criminals. The mission goes well and the threat is neutralized … or is it? Something is amiss, and Major Kusanagi and Section 9 must act quickly in order to stop the criminals from achieving their true goal.
Home > Series > Ghost in the Shell Standalone Complex > Ghost in the Shell Standalone Complex, Volume 4


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Re: looking to start a craft businessLUCKIEST Jul 28, 2008 8:47 AM (in response to jewelrygirl08)Looking to start a craft business, Welcome
I am a SCORE Counselor and would be happy to help or mentor you and your craft business.
Where are you?? Can we talk?? Email me at firstname.lastname@example.com
Good luck, LUCKIEST
Re: looking to start a craft businessjewelrygirl08 Jul 28, 2008 8:51 AM (in response to LUCKIEST)i'm in Florida where it's really hard to get a loan for anything even though I have my house as collateral.
Re: looking to start a craft businesspuzzleman Jul 28, 2008 9:07 AM (in response to jewelrygirl08)Congratulations on starting your own jewelry business. I started my business by doing craft shows over 10 years ago. Built the business for over 4 years before I quit my full time real job. Now I still do over 20 art and craft shows a year in addition to my website and wholesale business.
My suggestion is to do craft shows for a while and then start getting into the art shows. (A lot more money there.) This way you will be able to see if your product will sell to the public, do customer feedback and talk to other crafters, artists and jewelers to get a feel for the market. I know of several jewelers who make a good living on the art show circuit, work out of their house and do not have the overhead of a store.
Also, once they build a following, they will sometimes do trunk shows for their customers.
My next suggestion is to talk with SCORE or attend starting a business classes at your local college or community college.
Re: looking to start a craft businesschinahelpyou Jul 29, 2008 4:22 AM (in response to jewelrygirl08)DEAR ewelrygirl08I AM XIAOMING. FROM CHINA, I HAVE CRAFT IN MY HOME,PLEASE TELL ME YOUR MAIL .I WILL SEND PICTURE GIVE YOU!
MY MAIL ;email@example.com
Re: looking to start a craft businessMybizfiler Sep 23, 2008 12:18 AM (in response to jewelrygirl08)Hi,
You can start your own business and can be your own boss. As you a years of experience which makes you easy doing market research and preparing business plan.
We at ICS, Inc, help you to incorporate your business and provide complete incorporation services.
At ICS (www.mybizfiler.com), we, at a very competitive price (1/4th of charges a typical CPA charges) take care of your complete Incorporation Services.
You can reach Mr. Nirmal Jain (Senior Manager) at 469-713-2541 and can mail him @ firstname.lastname@example.com, as he is very well experienced and has considerable knowledge in incorporation services.
For more information and details please visit ICS web site www.mybizfiler.com.
You can also visit our informational blog site: http://mybizfiler.wordpress.com/.
Disclaimer: ICS does not offer legal services or legal advice, but only generic information on legal subjects. ICS is not an attorney or law firm and not a substitute for an attorney or law firm
Re: looking to start a craft businessbigcloudmedia Sep 23, 2008 7:54 AM (in response to jewelrygirl08)Good day, jewelrygirl08.
I would suggest getting all of your tax info (Doing Business As and EIN) for your business squared away before asking lenders or banks for financing. I know that bank of america requires a Doing Business As (registered business name) to apply for business loans and the like. I am a pretty new business but my banker talked to me all about business loans and lines of credit once we squared away the business name and EIN.
I would also suggest putting together a business plan for your business before searching for loans and lines of credit. This way you have a road map of what you want to do and how you plan to accomplish it. This will help in determining how much you will need to borrow.
You can also try a website for your business. A website, showing your crafts, contact info, etc., would potentially broaden your customer base to the online community and pave the way for some future online selling.
If you are interested in talking with me more about this I would be happy to help. You can contact me at firstname.lastname@example.com or through my company website: www.bigcloudmedia.com.
I hope this helped and have a great day.
Koji Flowers
Big Cloud Media
"Websites...we do those."
Re: looking to start a craft businessEmilyecho Sep 23, 2008 3:24 AM (in response to jewelrygirl08)you can set up a free online store for your craft business. I recommend you fastcommerce.com, which gives you a search Engine Optimized website. Automatically publish your product catalog to google products for free.
Re: looking to start a craft businessBRoberta99 Mar 27, 2009 4:56 PM (in response to jewelrygirl08)Have you looked into Biz Ad Splash.com ? I've been using it to bring traffic to my T Shirt design site and it's been effective as far as I can tell. It's a quick way to reach a vast market.
Re: looking to start a craft businesslive2themax Mar 27, 2009 5:49 PM (in response to jewelrygirl08)I have a business for you, but it isn't crafts. It will help you earn $$$ to open a store if that is really your dream. I am so confident you will earn $$$, that after we talk and I think you are the right person, I will fund your way into the business. Contact me firstname.lastname@example.com
Re: looking to start a craft businessmygenieforyou Mar 30, 2009 12:01 PM (in response to jewelrygirl08)I found a really cool tool that will do marketing for you to help you build your business!! You can download it for FREE and find out how it can help you. You can give these away FREE also and have your business appear right along side walmart, buy, ebay, target, amazon, etc and hand these out to everyone you know!! It has worked incredibly well for me and many others!
Re: looking to start a craft businessGinaWilliams Apr 19, 2009 10:34 AM (in response to jewelrygirl08)If you are looking to advertise your craft business online, I recommend checking out Biz Ad Splash.com to promote your site. I've been using it to start selling my art work and paintings online. So far so good! Best of luck
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having a hard time launching my craft business. I work from home currently while holding down a full time job and would love to start my own business. i'm starting to attend craft shows in my area, but I am also looking for financing to open my shop. Any ideas or help are greatly appreciated.


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How to Create a More Balanced, Zen Life Remember going to the park as a child, carefree and playing on a teeter totter? As you and your friend sat on opposite ends, you flew up in the air feeling as if you were touching the sky. Then you'd come crashing back down, but for a few moments the weight ... VIEW POST
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Mantra Meditation
Mantra: a word or phrase of special significance repeated out loud or internally during meditation. Who doesn't want some more good vibes in their life? The word mantra can be broken down into two parts, according to The Chopra Center. "Man," which means mind, and "tra," which means ... VIEW POST
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SonicWALL SuperMassive E10800
SonicWALL NSA E8510 is an enterprise next-generation firewall that combines the firewall features of intrusion detection/protection, web filtering and antivirus/antispam protection in one device. Because of its multi-core design, the NSA E8510 effectively detected and blocked all attacks to maintain network security while continuing to forward application traffic at a rate of 2.1Gbps.
Read more here: Summary Report Download
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Target 1$ range. Wait until wave 4 Completes for the better target of wave 5 Please use this only as a reference.
Short on supporting line is broken with confirmation. 83 is the strong resistance point aswell, supporting fib levels. Please do your own TA, use this only for your reference.


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SAN FRANCISCO (MarketWatch) -- The New York Insurance Department said on Tuesday that it hopes to have enough time to resolve bond insurer problems, ahead of possible decisions by rating agencies Standard & Poor's and Moody's Investors Service to downgrade leading companies in the $2.4 trillion industry.
The New York regulator, run by Eric Dinallo, did not ask rating agencies to either delay downgrades or take any rating action, a spokesman said in a statement on Tuesday afternoon.
"We are regularly updating the rating agencies on developments with the bond insurers," he wrote in an emailed statement. "It is our hope that we will have time to resolve the issues with the bond insurers."
Bond insurers such as Ambac
Concerns about the wider impact of trouble in the business have encouraged some regulators to begin working on a possible bailout. The New York Insurance Department hired boutique investment bank Perella Weinberg this week to help it address problems in the industry.
Dinallo reportedly asked investment banks last week to invest up to $15 billion in bond insurers to head off a crisis. But some analysts have questioned the plan. See full story.
"The bailout option being pushed by NY State Insurance Superintendent Dinallo is simply coming too late to the game," Rob Haines, Craig Guttenplan and Joe Di Carlo, analysts at CreditSights Ltd., wrote in a note to investors on Tuesday. "The monoline problem will ultimately require a broader multi-faceted regulatory response."
If Moody's and S&P cut bond insurers' AAA ratings, there's concern that any bailout would be futile. Fitch Ratings has already cut the AAA ratings of Ambac and Security Capital Assurance
Moody's is talking with regulators including the New York Insurance Department, but the agency has not been asked to delay any decision on bond insurer ratings, a Moody's spokesman said on Tuesday.
"Nor would be delay a rating action, if our research concludes action is needed," he added.
S&P "continues to monitor the performance of the bond insurers, and we will take rating actions when we believe such actions are warranted," an S&P spokeswoman said in an emailed statement. "A rating decision is made by a committee when we believe events warrant such action."
Ambac Financial led bond insurance stocks higher on Tuesday after the chief executive of rival Assured Guaranty expressed confidence the $2.4 trillion industry will find a solution to its problems.
Some recent estimates of the cost of a bailout of the industry are too high, Dominic Frederico, chief executive of Assured Guaranty
He also said he had "high confidence" that a solution of some type would be organized, according to a report by Dow Jones Newswires.
Ambac shares jumped 16% to close at $12.93, MBIA gained 7.6% to $15.98 and Assured Guaranty rose 7.2% to $24.08.
Ambac and Assured Guaranty were also buoyed on Tuesday by regulatory filings showing recent interest from two big investors.
J.P. Morgan Chase
SAC Capital, a big hedge fund firm run by Steven Cohen, owns an 8.9% stake in Assured Guaranty, an SEC filing on Tuesday disclosed.
Frederico said on Tuesday that he's received many calls recently from investors interested in the bond insurance business.


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Many countries are worried about the security systems especially for cryptocurrency exchanges as we have seen the increase in numbers of hackers all around the globe. Thus regulators are busy with checking the security systems and the vulnerability of crypto exchanges towards to hacking attacks.
Just yesterday the regulators in South Korea released the outcome of collective inspections that included 38 cryptocurrency exchanges that are presented in the country. Out of these exchanges, fourteen exchanges came out to have poor security. These crypto exchanges were identified to have security problems previously as well and now they have again marked as too vulnerable to hacking attacks.
The collective inspection was conducted by the Ministries of Science and Finances of Korea in collaboration with Korea's Internet and Security Agency. The inspection lasted four months, starting in September 2018, finishing on December of the same year, it was held as a follow up to previous reviews last year and resulted in finding serious flaws in security systems of cryptocurrency exchanges.
Repetitive flaws at Korean cryptocurrency exchanges
The main reason behind the inspection that took place in Korea was to identify whether or not the crypto exchanges have corrected the issues that were identified in last year inspection. Also compared to the last year 21 new platforms fell under the critical observation of government agencies who are responsible for holding investigations and checks.
As the results show the exchanges that had flaws in their security did not take the necessary steps to improve it for better protection. In addition to it, seventeen crypto exchanges also lacked the arrangements like a password management system, dedicated security and management stuff, crypto deposit and withdrawal control and even proper system to monitor their crypto wallets.
However, not all the crypto exchanges had alarming results, some of the crypto venues have seen great progress in their security systems compared to the previous audit. As a government statement revealed seven companies have dealt well with the flaws they were having and have made the adjustment that the regulators were requesting. These companies – Gopax, Korbit, Bithumb, Coinone, Hanbitco, Huobi Korea and Upbit have got full certification on 85 security items. The last company mentioned, Upbit was also raided by the governments and local police investigations in May 2018. The company was investigated for alleged fraud. However, that time the exchange has passed the independent audits. The audits have shown the full solvency of the exchange's reserves ratio that stood at 103 percent and cash ratio that stood at 127 percent at that time.
The different approach of Korea
South Korea has a different approach to the cryptocurrency exchanges, crypto in South Korea is considered as assets, but as for the exchanges the government classifies them not as a financial institute but as information providers. Because of this, the responsible party for regulation crypto exchanges is not a country's financial regulator but the Korean Ministry of Science.
Although, as it seems the Ministry of Science was not taking the necessary steps to ensure the security of the exchanges as the government was often criticized for not doing enough against the hacking damages. This is why the Financial Supervisory Service of Korea (FFS) has announced that they will be having wider inspections on accounting practices that will also include the big crypto exchanges of the country. The announcement followed the launching of the investigation held by the government officials. As the regulator has stated the inspection was about the use of the corporate accounts that could lead to the money laundering.
As per as the latest report released by the central bank of Kora, the amount of the cryptocurrencies that the country's crypto exchanges hold in their services is worth of $1.9 billion. That means that some of them can be easily listed among the big firms that are targeted by the latest investigation by the Financial Supervisory Service.


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Victims of domestic violence: a lack of second-stage shelters in Quebec and beyond
According to the Alberta Council of Women's Shelters, nearly 17,000 women, children, and seniors were turned away by shelters in the last year due to facilities being out of space.
MONTREAL -- Despite women being the most at risk of being killed by their violent partners after having already left them, there remains a lack of second-stage shelters in Quebec, and in other provinces, according to the people that run them.
However, Quebec does stand out favourably compared to other provinces in certain ways, according to Gaëlle Fédida, coordinator of the Alliance of second-stage shelters for women and children victims of domestic violence.
The national organization, Women's Shelters Canada unveiled the findings of a new study, this week, the first of its kind in the country to examine the full range of support for survivors of domestic violence offered in second-stage homes.
These shelters welcome women and their children after they are ready to leave emergency shelters, where victims often live for about a month, immediately after having fled their residence.
But they cannot be abandoned afterwards: a month is not long enough to rebuild and reorganize an entire life.
Women are most at risk of being killed in the months following a separation, said Sandy Watson-Moyle, director of the Three Oaks shelter in Ontario, during the presentation of the results of the study.
This report by The Canadian Press was first published Oct. 1, 2020.


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Trending News
Why America is not giving free health care facilities for all its citizens?
America can certainly afford to give free health care facilities to its citizens.
30 Answers
- FoofaLv 71 month agoFavorite Answer
You underestimate both the sheer number of Americans and overestimate the health infrastructure available to them. The US has a tragic shortage of practitioners and without addressing that first any kind of universal access here would make the waiting lines to see a doctor years and years long. People also need to learn more about Medicare before they demand that for all of us. Medicare is not free, it's not that good, many doctors don't take it and most seniors on that programs also have to buy supplemental insurance because their government healthcare covers so little. Medicare for all isn't the panacea sometimes think it is. People championing this must not have any elderly relatives or else they'd know how truly not great this would be.
- Anonymous4 weeks ago
Republicans are sadistic and want most people to suffer.
- Steel RainLv 74 weeks ago
No-one is denied medical care for a life threating condition, you pay for your own sex change operations and enhancements.
- out2lunch4now2Lv 74 weeks ago
Why don't you cite for us the Article or Amendment to the Constitution that allows the federal government to interfere in health care at all. BETCHA CAN'T!! No, sparky, the "general welfare clause" does NOT apply unless you can be the first person to cite which of the 18 enumerated powers applies. BETCHA CAN'T!! The Tenth Amendment prohibits the federal government from interfering AND MEDDLING in anything it is not specifically authorized, BY THE CONSTITUTION, to interfere and meddle in. It won't be "free" unless you can figure out how to get medical care and supplies providers to provide their goods and services for free Good luck with that, sparky.
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- 1 month ago
Because NOTHING IS "FREE" !... America is about Freedom and Liberty !
To "GIVE FREE STUFF" you will have to OPPRESS others. Take money / hard work/ personal success and give it to people who can not or do not achive this for "THEMSELVES" ....
In America you are free to succeed and free to Fail ! As you See Fit !
- Anonymous1 month ago
america has been invaded. all citizens get ",_free_" "health care" thru militay hospitals.
the question you might ask is why would americans want international freaks on our continent selling health?
- 1 month ago
US gives free health care to everyone who makes less than 17 thousand dollars a year, as well as to every child and elderly. Everybody else should buy health insurance or get one from an employee. Government owned health facilities can't give a good healthcare by definition, because government employees are unmotivated since the salary has no link to performance.
- 1 month ago
WHY is it that countries Like the UK, Canada etc. Let some people dies because THE GOVERNMENT DECIDES who get care and specialists and Many of them actually come or try to come to the USA for medical care..
SUCH AS THE PARENTS of a LITTLE BABY IN ENGLAND which DIES Because the UK GOVERNMENT REFUSED TO LET THE PARENTS BRING THEIR child to the USA where SPECIALISTS SAID THEY WOULD TREAT IT FREE.. 'THE GOVERNMENT DECIDED tolet it DIE Instead of letting it get help.
- 1 month ago
No-one anywhere gets free healthcare. It's just a matter of who pays. Who should pay the $40,000 for my recent gall bladder surgery ?
I personally see a step forward being Single Payer. It's the one HUGE advance on what we have today.
- Donnie DoomLv 51 month ago
Because America is not the land of socialism, it is the land of individualism.
- RickLv 61 month ago
we don't want to ..................................


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MAGIC REEF Our Resort Report
OUR Thoughts on Magic Reef, Arorangi Village, Rarotonga This place lives up to its "Magic" name! Rarotonga has always been known for the number of small beach-front properties where guests almost become part of the family and to which they return year after year to enjoy "their" bungalow at the beach. This is one of those places and it ticks all the boxes for those looking for a pleasant relaxing laid-back place to stay, a magic beach-front location and a good 3½ Star rated standard of accommodation and facilities with a self-catering option. To start with, there are only 9 stand-alone bungalows all of which afford guests a view of the ocean. Each bungalow has a veranda which faces inward towards the central resort courtyard which contains the swimming pool and the gardens. A garden path runs down each side of the resort courtyard and joins at a beachfront timber deck and gazebo; with sun-loungers and ultra-comfortable bean-bags, this is a special place to relax any time of day, but most particularly at the end of the day while taking in the sunset. The swimming pool at Magic Reef is a little quirky and a bit different. It is designed to resemble a large old sailing ship with the water inside rather than outside! There is a raised "Bridge Deck" at the back which comes complete with ship's wheel. A waterfall runs from the Bridge Deck into the pool and there are two sets of steps down from the Bridge into the pool. The pool is semi covered by shade "sails". All-in-all it's a good size and a very pleasant place to cool off on a hot day. The "magic" of Magic Reef is its location close to the centre of Arorangi Village on the beach on the "sunset" side of Rarotonga. Arorangi Village is a typical Rarotonga "Village" which doesn't have a village centre (although the big old Cook Islands Christian Church nearby may be considered the central point) but it does have village facilities and the odd shop spread out along the road. For those people who prefer a little exercise while on holiday, the beach outside Magic Reef is very walkable, especially in the early morning. If you are seeking something a little more strenuous close to the resort, you will find Raemaru Park Road nearby which leads up to Raemaru Park in the central mountains. It is a pleasant climb up to an area with a fabulous wide view of Rarotonga's coastline and the reef and well worth the effort to get to. Magic Reef doesn't have a restaurant on site, but there is a good restaurant (The Waterline Bar & Grill) virtually next door, only 50 metres or so along the beach. Bunnies Diner is only 250 metres away on the road side and there are several other restaurants & cafés within a couple of kilometres - Tumunu Restaurant & Bar - 1 km, On The Beach at Manuia Beach Hotel - 1 km, Spaghetti House - 1.2 km, Alberto's Steakhouse - 1.7 km, Anchorage Restaurant - 1.8 km, Kikau Hut - 1.9 km. For self-catering supplies, there is a village grocery store almost right outside Magic Reef Bungalows. For a property with only 9 bungalows, Magic Reef offer a surprising range of services. There is an on-site manager who is very helpful with advice and booking service for all Rarotonga's attractions. They have Wifi (charged), pool/beach towels are available, they provide complimentary ice, a (paid) laundry service is available and there is a communal guest BBQ. This is a perfect location for a Cook Islands wedding and Magic Reef offers a simple but beautiful Wedding Package. All this comes with a beaut beachfront location and air-conditioned island-style bungalows with kitchens.What Magic Reef Say About Themselves:"Kia Orana!Welcome to tropical RarotongaWelcome to Magic Reef Bungalows Come enjoy the magic of Rarotonga. Sit back, relax, and take in the breathtaking sunsets on your own balcony with each bungalow having an ocean view.Enjoy a complimentary continental breakfast on arrival from your international flight. Are you wanting to just get away from it all, plan your dream wedding or even elope, fly your team away for their annual team-building event, spoil your staff with an island-style business convention, or just take that romantic trip away you deserve? Allow us to organise all of that for you!Magic Reef Bungalows is beautifully located on the western side of the island of Rarotonga, Cook Islands, where the golden sunsets are magical! These self-catering, spacious studio bungalows all have ocean views and sleep up to two people but can allow for a double foldout bed in each bungalow that can cater for an extra person. Children over 12 years old are welcome. Magic Reef Bungalows – the ultimate getaway for those wanting a romantic, peaceful escape.."Our Specials Complimentary First Breakfast A continental breakfast comprising fresh fruit, cereals, juice, bread, butter & jams and milk is provided for guests on the first morning of your stay. After the first day, daily continental breakfasts are available at a charge of $22 per person per day. Year-Round Stay/Pay Special Stay 7/Pay 6 Stay 14/Pay 12 ● Stay for 7 nights and only pay for 6 nights ● Stay for 14 nights and only pay for 12 nights Conditions: - Valid for stays in all accommodation types - Valid for stays year round until 31 March 2020 This special is not available after 31 March 2020 - Only stays of consecutive nights qualify. Your Accommodation Options The 9 individual thatch-roof bungalows are in two single rows, one on each side of the property in a herringbone pattern, with each bungalow angled inwards to face the pool, the gardens or the beach. There is a view of the ocean from the veranda/porch of every bungalow although the extent of the ocean view varies depending on their closeness to the beach. Every Bungalow is around 50m2 in area which makes them very spacious indeed. Each has a very pleasant pitched ceiling and a "South Seas" décor with woven bamboo-style wall and ceiling coverings, a carved four-poster bed complete with insect net, plenty of living space, a roof-covered veranda with 2 sun loungers and a very big internal/external bathroom. Each bungalow has a small dining table and a kitchen with good-sized under-counter fridge, kitchen sink, microwave oven and a 2-plate cooking hob. An electric jug and toaster are also provided. Bungalows have tiled floors throughout and a wooden deck out front. The bathrooms are a special feature. The toilet and vanity are located in the internal part of the bathroom which opens out into a totally private walled courtyard housing a shower (with a nice big rain-head shower), but what is really special, is the inclusion of a modern semi-sunken bath in the courtyard to complement the stand-alone shower. Taking a shower or bath under the night sky is something else! All Bungalows are air-conditioned and have a ceiling fan plus flow-through ventilation. Minimum Stay Policy Magic Reef has a policy of only accepting bookings for stays of 3 nights or longer. Room Categories Oceanview Garden Bungalows: Oceanview Poolside Bungalows: Furthest back from the beach, but that's hardly far at all. These bungalows, which all have the same price structure, are either on each side of the pool or located nearby in the tropical gardens. Each one has an ocean view. Maximum Occupancy: 4 guests Existing Bedding: 1 Four-Poster King Bed and 1 Single Divan Bed Additional Bedding: A second Single Bed can be added for a 4th guest. Beachfront Bungalows: The 2 Beachfront Bungalows are only one bungalow building away from the beach and guests enjoy wide views of the beach, the lagoon and the ocean beyond. Maximum Occupancy: 3 guests Existing Bedding: 1 Four-Poster King Bed and 1 Pull-out Sofa Bed Additional Bedding: No additional bedding is accommodated. Absolute Beachfront Bungalows: If these 2 bungalows were any closer to the beach and the lagoon you would need to wear a snorkel at breakfast!! The view is terrific – beach, lagoon, reef, ocean, the spectacular sunsets and passing whales (in season). Maximum Occupancy: 3 guests Existing Bedding: 1 Four-Poster King Bed and 1 Pull-out Sofa Bed Additional Bedding: No additional bedding is accommodated. Getting To and From Magic Reef Bungalows All guests are personally met at the airport irrespective of flight arrival time and provided with a transfer to Magic Reef Bungalows. The departure transfer is also provided by hotel staff. There is a charge for this service and Our Specialists will include the cost in your package arrangements. Most visitors to Rarotonga will hire a scooter or car for at least part of their holiday duration and there is a vehicle hire location well within walking distance of Magic Reef Bungalows. The "Yellow Bus" which regularly circles the island stops right outside Magic Reef. The bus takes approximately 15 minutes to Avarua Town on the direct route, if you take the scenic indirect route the ride to or from town takes 35 minutes. NEW - Electric Bicycles Electric Bicycles are available to hire via Our Specialists. Rarotonga is ideal for battery-powered bicycles and we can pre-book these for you. With pedal assistance, e-bicycles will go twice around the island on a single charge and batteries may be recharged using a standard power plug. Try something new in this friendly environment, after all, isn't that what holidays are for!
Kids' Policy Magic Reef Bungalows is an Adults-only Resort. Young people aged over 12 years are accepted as guests. Check-in/Check-out Check in time is 2:00pm Check out time is 10:00am Early Check-in and Late Check-out Early check-in, which is subject to availability may be arranged from 6:00am at a cost of 50% of the nightly tariff of the accommodation booked. Late check-out to 6:00pm, which is subject to availability on the day of check-out, may be arranged at a cost of 50% of the nightly tariff of the accommodation booked. Early Arriving Flights Several flights each week from Auckland arrive at Rarotonga between midnight and 2:00am. We recommend that all guests arriving prior to 6:00am should book and pay for their room from the night before to guarantee access to their room at the time they arrive. Not doing this could result in a wait of around 12 hours to gain entry to your accommodation. Cancellation/Date Change Policy All cancellations and date change applications must be made in writing Cancellations or date changes made 15 to 30 days prior to scheduled arrival incur a cancellation fee of 50% of booked accommodation cost. Cancellations or date changes made 8 to 14 days prior to scheduled arrival incur a cancellation fee of 75% of booked accommodation cost. Cancellations or date changes made within 8 days of scheduled arrival incur a cancellation fee of 100% of booked accommodation cost. No Shows are treated as cancellations and charged accordingly. Cancellation policies are strictly enforced at this resort.Travel Insurance is recommendedOUR Travel Specialists can advise on all aspects of travel insurance The information on this page is correct as at 25 March 2020 and is based on our supplier contracts which are valid for stays to 31 March 2021. All information shown is subject to change without notice.
Resort Facilities Swimming pool Pool/Beach Towels Wifi (at a charge) Ice Laundry Service (at a charge) BBQ Wedding Package Available
Room Facilities Air-conditioning Ceiling Fan Insect net over bed Small dining table Mini Fridge Kitchen Sink 2 plate cook top Jug Toaster Private walled-Courtyard Shower Semi-sunken bath in walled courtyard Sun Loungers
0800 500 598 North Island
0800 300 398 South Island
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St Andrew
A grant to help fund urgent repairs to keep the building weather-tight. The building was also to be re-wired and the power supply will be buried to meet health and safety legislation. The church of St Andrews dates back to the 13th century. It retains a number of medieval features, including the early 14th century west tower with its decorated tracery in the belfry openings. It was extensively restored and extended in the 1860s and 1870s, with high-quality workmanship. A vestry window is dated 1579 and shows the royal arms of Elizabeth I. The Victorian east window, designed by Arthur Moore, is described by Pevsner as "one of the most beautiful of its time in England". The church is increasingly used for community events including music and choral concerts, small social events and displays of village life and archives.


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Seoweon Yoo
Alumnus (Business Developer)
Former Business Developer with experience in go-to-market strategy, software/digitization, and program management.
Former Business Developer with experience in go-to-market strategy, software/digitization, and program management.
6 November 2017 — Rash digitization and new software application can create problems if actual implementation has not undergone sufficient prior consideration. Practical workplace automation can address these issues leveraging tools such as basic Python.
28 July 2016 — A new industrial revolution is underway prompted by a new generation of robots. Powered by new digital technologies, robots are now seeping into areas that require more sophisticated and adaptive skills, like logistics or even customer-facing services.
31 May 2016 — Health care is traditionally a very conservative and slow-moving industry, while IT technology that can potentially benefit this industry is growing at a faster speed than ever before. Digital technology is disrupting health care and shifting its structure.
28 April 2016 — The AI technology we see these days is tailored to specific uses and not yet scalable in a generally applicable manner. Nevertheless, AI is rapidly changing our day-to-day lives in a significant way.
25 March 2016 — In recent years, digital signage has quietly started to enter into our day-to-day lives. This gradual change, together with new wireless and sensor technology applications, is producing new opportunities in many areas.
6 March 2016 — Between 2013 and 2015 hype around indoor tracking built up. Yet today nobody seems to talk about indoor tracking or remember the apps. While the hype has died, work has continued in the shadows addressing both issues with tracking technology and indoor maps.
29 January 2016 — Both technical and consumer trends are pointing to the possibility of Virtual Reality (VR) becoming the next mass consumer and business applications power tool. A related technology, Augmented Reality (AR), is expected to follow suite soon.
27 December 2015 — Industries are reshaped by mobile technology, and this is true in particular for retail and payments. As with all industry landscape shifts, new winners and losers are bound to emerge.
26 November 2015 — Consumption and connectivity of social networking services are steadily increasing due to widespread usage of cloud, mobile devices and the Internet of Things. The combination of cloud computing, mobile devices and connected sensors provides massive amounts of diverse data practically everywhere 24/7.
29 October 2015 — Cloud computing is now a part of our everyday lives. Although many people are not aware of all the things cloud provides them, most of us would have a hard time being without it. Cloud is a genuine technical paradigm shift, with broad based implications on today's technology landscape.
27 August 2015 — Big Data has been a big deal since the early 2010s. Although the biggest hype has already faded, now is an interesting time to dig up this topic again, as many industries have sobered up to the realities of this originally somewhat overhyped buzzword and the first batch of winners (and losers) of implementing Big Data strategies have emerged.
Get access to articles and reports, and receive email newsletters and alerts to stay in touch with our latest knowledge development.


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TOKYO/SEOUL -- The Japanese government on Thursday approved its first export of chipmaking materials to South Korea under new export curbs but has failed to clarify what to expect from future screening, leaving exporters facing uncertainty along with more paperwork.
The greenlighted export of resist, used in semiconductor manufacturing, is believed to come from Shin-Etsu Chemical. It is being sent to Samsung Electronics for use in processor production for outside customers.
The public announcement of an approved export was a departure from normal practice. Minister of Economy, Trade and Industry Hiroshige Seko said it was in response to Seoul's accusation that Tokyo was imposing an export ban.
"This shows that we will not apply [the controls] arbitrarily to legitimate trade, but will give approvals based on stringent screening," he said.
The ministry stressed that it will grant licenses for exports when proper procedures are followed. But exporters still face a tangle of red tape that could proliferate once Japan removes South Korea from its list of trusted trade partners late this month.
Seko asserted that "nothing has changed" regarding the weak South Korean trade oversight that Tokyo cited as its reason for the curbs -- and warned that more such measures are on the table if additional "inappropriate" exports emerge. These could include requiring individual approvals for shipments of other materials.
"We will continue strict screening" to prevent products from being diverted elsewhere or used for anything beyond their intended applications, he said.
The controls, announced July 1, started with tighter restrictions on exports of hydrogen fluoride, resist and fluorinated polyimides. The license announced Thursday is the first to be issued under these provisions.
The next step, slated for Aug. 28, will recategorize South Korea from Group A -- the highest status -- to Group B in Japan's export controls. This will let Tokyo demand reviews of any shipment to South Korea deemed to pose a security risk.
While South Korea will remain above Group C economies like China and Taiwan, it will actually face tougher restrictions in some cases. Exporters can get bulk licenses for shipments of resist and fluorinated polyimides to Group C markets, but this will not be an option for South Korea.
There are companies considering working around the curbs.
Morita Chemical Industries will begin producing ultrapure hydrogen fluoride in China via a joint venture this year, with an eye toward supplying it to Chinese chipmakers and Samsung fabrication facilities in the country. It will also ship the gas to South Korea if demand warrants.
Morita currently makes hydrofluoric acid in China and purifies it in Japan. While its China production plans predate the Japan-South Korea row by two years or so, handling the entire process there broadens the company's supply options.
"If similar problems come up between Japan and South Korea in the future, we can ship to South Korea from China instead of Japan," CEO Yasuo Morita said.
In a meeting Thursday of South Korea's National Economic Advisory Council, President Moon Jae-in said "uncertainty still remains" and stressed the need for measures to mitigate the impact of Japanese curbs on the South Korean economy.
But he also framed it as a chance for the country to depend less on its neighbor. "We will turn this situation into an opportunity to change the nature of the South Korean economy and leap forward anew," he said.
Questions remain about supplies of hydrogen fluoride and fluorinated polyimides, of which Tokyo has yet to approve any shipments.
"We've secured three- to four-month stockpiles of components, so [the controls] won't affect the launches of the Galaxy Note 10 and Galaxy Fold," Koh Dong-jin, head of Samsung's mobile communications operations, told South Korean media this week.
But "it's difficult to predict the outlook three to four months later," Koh said.
Also on Thursday, Seoul announced ramped-up screening of Japanese coal ash, used in cement production. All shipments will be tested for radioactivity, in a change from the previous policy of quarterly checks.
South Korea's Environment Ministry cited safety concerns among the public and said the move had nothing to do with the trade row. But Seoul had suggested after the whitelist decision that it could step up safety measures related to suspected contamination after the 2011 meltdowns at the Fukushima Daiichi nuclear plant.


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