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Explainer Videos in Internet Video Marketing
Online Video Marketing
Internet Video Marketing is emerging as an effective platform to deliver an impactful interactive and highly targeted message. One type of material that is still underutilized is online video. We have various kinds of videos to meet each company's requirements If you require to reveal people around your site we suggest a Custom Video Presentation. Internet Video Marketing is emerging as an effective platform to deliver an impact since they provide an interactive and extremely targeted message.
Do you want to enhance your Video Marketing?
With an expert Animated Video, you can rapidly put your logo design into movement and highlight your brand name in your next video. Whatever style fits your brand, you need your video to grab your viewer's attention right away and leave them with a positive impression. And you only have a few seconds in your video to get your brand identity, so you need to make them count.
Every day countless brand-new videos are developed so it is becoming a growing number of hard for a video to stand apart. Lots of audiences stop seeing after the very first 15-20 seconds since the video is not engaging. With a Animated Explainer Video you can increase your follow through rate and reveal your viewers that you are serious about your site. A Animated Whiteboard Video, also known as a Whiteboard Animation, Whiteboard Video, or Explainer Video, can really help your brand stand out.
Add Videos to Your Website
Adding videos to your blog is an excellent method to increase the value of your websites, while likewise taking benefit of the prospective additional traffic from video search engines. There's much more involved than occasionally posting an online video on your site. You need a Video Strategy. If your site's function is to raise awareness about a particular cause, adding informational videos could be powerful. The home page might be the best area for your cause awareness video whereas private product pages may be better matched for the how-to videos. Simply as it's essential to routinely add articles and blog site posts to your websites, routinely adding online videos is likewise crucial.
What is a Animated Sketch Video
An Animated Whiteboard Video is a short, fun and informative video that is usually two - 3 minutes long but in some cases shorter. An Animated Explainer Video is a short, enjoyable. It captures and retains viewers attention more reliably than just text or boring videos.
Animated Sketch Video videos with a specific goal: understanding. They use clear and concise language along with entertaining and useful graphics. The video format can serve as a near-perfect package for showcasing ideas, products, and services in a form that not only attracts but explains attention.
Feel intimidated by the notion of creating an explainer video? There's no need to be-- they just represent another excellent way to get your content out to your target audience. Besides the really big brands that we are all familiar with, a lot of lesser-known companies and even small start-ups are using them.
Explainer videos 'explain' what you do swiftly and easily so anyone can understand it. It's kind of like CliffsNotes for your company-- a concise and short version of exactly what your company does.
Internet Video Marketing
These days Online Video Marketing must be a major part of broadening your company. A video hosting website can increase viewers for your video, however a boring video will beat the purpose. When you develop a video for a service you require to provide out helpful information in a method that keeps your audiences' attention. Decide on a constant tone for your marketing videos. You ought to now have a much better understanding of what it takes to develop a successful Website Video Marketing strategy utilizing Explainer Videos.


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WETSTYLE, a Montreal-based company with more than 25 years of experience manufacturing bath furnishings, has debuted new products and collections launching this spring.
Building on a reputation for delivering design-driven, award-winning handcrafted bath furnishings, WETSTYLE continues to innovate with its 2017 product line. New additions being introduced to the Canadian design community include:
For more information, please click here.

subset: commoncrawl


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An interesting workshop on recent topic "Programming with Arduino" was successfully conducted on 03 and 04 March, 2017, at Government Polytechnic, Malvan. The organizing team was as follows:
Faculty Coordinators:
- Y. V. Mahadik (GP Malvan)
- S. G.Kamble (GP Malvan)
Resource Persons:
- A. R. Sutar (FAMT)
- J. J. Mane (FAMT)
- S. A. Shete (FAMT)
35 Students of Electrical Engineering, GPM, participated in the workshop. The two day workshop was divided in four sessions. Prof J. J. Mane introduced the concept of Microporcessors and Microcontrollers, applications, Arduino software etc. in the first session. Prof. A. R. Sutar conducted practicals on Aurdino with coordination and support of Prof. J. J. Mane and Prof. S. A. Shete. The workshop gave hands on practice on hardware interfacing and Programming of various module such as, LED, ADC, PWM, light brightness control, Buzzer, LCD, Seven Segments Display, serial communication etc. All Students were very happy and enjoyed the workshop. It also highly improved their confidence. This workshop will be useful for their final year projects as well as future carrier.
1,574 total views, 3 views today


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BriCollab Art Collective
The BriCollab Art Collective is committed to initiating and supporting egalitarian, inclusive and collaborative exchange of thought on and production of art among all students at The New School. Reflecting on the discourse around democracy created by OWS, this workshop brought the collective's ideals to the extreme by applying direct democratic decision making and action processes to collaborative art production.
As members and non-members of the collective worked together, they produced an art work that is greater than the sum of its parts: transmedial, reflective, spontaneous, political – a workshop-performance, reflective and progressive at once, manifesting in bodies, spoken word and materiality.
The participants built musical instruments from the materials at their disposal. These inadvertently reflect important aspects of the OWS movement: music as a communal factor, DIY culture, recycling, and sustainability. At the same time the artists strived to explore the specific sound qualities of the materials and to question the established understanding of both music as well as the (genius) musician. Gallery visitors are encouraged to play or appropriate the musical instruments in their own way!


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HI LADIES.. i just wanna another funky french NOTD.. some photos of my fauxnad plates...and gift from some other lovely blogger...yay!!
♥happy polishing!! xoxo ♥
kleancolor i really dont know whats the color of it..
it doesn't have a name on the bottle =(
the color is bright pink
konad sp "black"
image plate used
Fauxnad H23 (chez-delaney)
she's so generous for sending all o this..
wow...i can't say how much i love all of this..i got my first sinful color polish( green flakies), she also send me her own franken polish thats really sweet and ofcourse she also send me some nail foil plus adhesive..LOL!! most of all she send me the Loreal Star magnet.. i havent try this but i will soon..
again thanks so much..xoxo
6 fauxnad plates:
some plates are repeated and got my first nail art brush and fruit fimo..


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By Lieutenant (j.g.) Alex Borgelt, U.S. Navy
The Navy's domain is the ocean. This service gave birth to the first type of combat to involve massive craft fighting for strategic dominance. Warship capabilities, crew effectiveness, tactics, and weather created an art and culture different from anything previously experienced in warfare. Self-sufficiency, fighting proficiency, and time at sea formed the core of the Navy culture. World War II, while witnessing the advent of aviation, still maintained the essence of the centuries-old art of naval combat. However, highly sophisticated radars and the ranges of missiles have now relegated this traditional form of warfare to a shadow of its former self.
What happens to naval combat and culture when the next evolution in warfare, the unmanned maritime vessel (UMV), is introduced to the Fleet? In the Air Force, MQ-9 Reaper pilots have become the new "jet jocks" despite the slow speeds and steady flights of these propeller -driven airframes. The combat exposure and flight hours are altering a culture that once glorified a pilot's ability to maneuver at high speed, tolerate G-forces, and destroy enemy aircraft. The Navy's adoption of the UMV will mark the demise of the art of traditional naval combat and the culture of the service. Most of the service's human force will move to shore-based installations, which will remove several tactical layers of the decision-evaluation process. Thus the culture of going to sea will be lost. Weapons-release decisions become policy as the authority is migrated to senior levels removed from the tactical levels of the engagement.
The human decision-making process of observe-orient-decide-act (the OODA loop), the roles of Navy personnel working with UMVs, UMVs and maritime and warfare law, the missions that the Navy will develop these craft to carry out, and the intelligent integration of UMVs into the Fleet, all hold fundamental roles in the erosion of the art of naval combat and the alteration of the Navy's culture. It is up to the service to plan effectively to best adopt the UMV and transition smoothly to an unmanned fleet.
Fire and Genuinely Forget
The last time the U.S. Navy actively engaged in fleet-on-fleet engagements was World War II. Massive crews fought warships bristling with guns employing traditional and proven maneuvering. They experienced visceral combat that closely mirrored the carnage experienced by their brothers centuries earlier.
The next evolution of naval warfare occurred during the Battle of the Coral Sea (May 1942). The Japanese and American fleets never sighted or engaged each other physically. Aircraft engaged each other and the enemy fleet. This marked a tactical and strategic paradigm shift in naval combat. Opposing forces could engage at distances once unfathomable by striking from the air, leaving the wounded (or destroyed) fleet unable to retaliate. There was no ability to visually track and outmaneuver the enemy, leaving the force vulnerable to subsequent attack. Missiles and the advent of the fire-control radar in the 1960s solidified the demise of the art of close-quarters maneuvering and combat. The exponential development of sophisticated missile and radar systems such as the Aegis AN-SPY1D (360-degree coverage out to 250 nautical miles) dramatically reduced the likelihood of participating in the type of warfare that just 50 years earlier had been the status quo.
Current missile, fire-control, and radar technologies allow navies to engage each other over the horizon (OTH). Ranges are extended with the aid of airborne assets. Fighting the ship has been relegated to a limited selection of maneuvers and a reliance on various countermeasures that attempt to defeat supersonic, highly maneuverable antiship missiles or torpedoes. Offensively, the ship has to ensure the correct course and speed and, more important, that sensors and radars are functioning as designed. No more crossing the T or holding fast as men-of-war maneuver for a broadside volley.
Naval combat machines will all but extinguish conventional naval warfare. Even though missiles and OTH targeting have largely removed the fire and maneuvering art of naval combat, the ship's crew and chain of command still play an integral role in the OODA loop. Captains, executive officers, tactical action officers, officers of the deck, and the chief petty officers and sailors provide layers of decision-making and reevaluation to ensure that rules of engagement are adhered to and weapons are accurately placed on target. This cycle kicks into overdrive when attempting to evade an incoming missile or detect, track, and engage a subsurface enemy. Likewise, if the ship is hit, the OODA loop and multi-layered reevaluation execute damage-control efforts properly and swiftly to save the ship and weigh the cost each action has on the hull and crew.
Integrating the machine into the OODA loop can have one of three outcomes depending on the sophistication of the unmanned combat vessel and relationship with the sailor. In the first scenario, the vessel's systems and ability to provide an accurate, intelligible battle-space picture to the sailor is well integrated. The transfer of information from the vessel is fed in a digestible stream that allows the sailor to employ the OODA loop in an effective manner, maximizing the ability to make informed decisions in a combat or maneuvering situation.
The second scenario involves an autonomous vehicle with complex sensors and artificial intelligence (rules of engagement and doctrine included). The OODA loop is a closed loop. It demotes the sailor's role to that of a "kill switch," providing weapons-release ability, terminating a mission, or ordering the vehicle to depart the battle space.
The third scenario includes a craft that feeds too much or too little information to the sailor, destroying his or her ability to employ the OODA loop. The consequences are detrimental to the ability to fight effectively. In this final scenario, the craft overrides the sailor's orders or the sailor makes an ill-informed decision resulting in unintended consequences.
These three situations encompass the best and worst situations that service members could face concerning their ability to employ the OODA loop in tactical engagements with an unmanned vehicle. Regardless of the role of the sailor, the mere fact that a vessel is unmanned reduces the part played by the human in the OODA loop. As unmanned naval vessels evolve, how does that affect the greater roles of the officer corps and enlisted ranks? Already removed from the actual fighting vessel, the entire naval force takes on a stronger support and maintenance role.
The greatest commodity that these systems will affect is the human being in all aspects of the military, ranging from force size to recruitment and training. The introduction of the unmanned vehicle into the surface and subsurface fleets of the U.S. Navy will lead to greater specialization across the officer corps and enlisted ranks, but consign them to shore and, at best, mother-ship support vessels. The officer corps will shrink, to what degree is uncertain. The enlisted ranks face the possibility of a much more dramatic force change as their roles can either be greatly enhanced or diminished when faced with the new fleet of autonomous warships and small craft.
An Officer and a Technician
Unrestricted line officers will need to have technical backgrounds (or at minimum, to pass a comprehensive technical training pipeline). As in the nuclear community, where every officer is certified to run a nuclear-power plant, officers will be required to have the same background and training to knowledgeably manage specific hulls and oversee maintenance. Computer science, engineering, and physics are the types of disciplines that will prove critical.
Rather than performing the duties associated with a combat or bridge watch team, the officer corps will largely oversee the execution of maintenance, ensuring that all assigned units are warfare-ready. As in the drone program, officers and senior to mid-level enlisted personnel will play roles in the combat employment of the system, approving kinetic weapons release rather than participating in actual tactical employment and "fighting the ship." The officer's role (paralleled to that of mid-career aviators) will be to ensure the unit is administratively sound and able to meet mission requirements.
Regarding actual batteries-release authority, policy will dictate weapons-release conditions and programmed doctrine will reflect that policy. Hence, it will be at the discretion of the most senior naval commanders at the task-force level to enact that doctrine. The "action officers" are removed from the OODA loop and merely supervise so that doctrinal programming for the autonomous vessel is properly uploaded and systems are completely operational.
Drone Technician 2d Class or GS-10 Equivalent Contractor?
While the change in the officer's combat role is a paradigm shift for the Navy, the enlisted force will follow one of two paths, the first one involving minimal change. The service is technologically heavy, providing a solid foundation for an unmanned fleet. It will be necessary to fuse current rates to create specific rates for UMVs. For example, combat-system rates of electronics technician and information systems technician could be combined to allow one sailor to focus on the overall sensor and communications suite of a particular hull type. The same could follow for hull rates, combining propulsion and hull-maintenance disciplines.
To retain this highly specialized knowledge, the warrant-officer and limited-duty-officer programs will be expanded to ensure retention and consistency concerning maintenance and operation of the systems. Additionally, this could affect the unrestricted line officers, adding to additional cuts in their numbers.
The second path will parallel the Navy's Maritime Sealift Command (MSC) fleet, the logistical arm of the service responsible for replenishing and refueling ships under way. MSC ships are unique in that their crews are largely composed of civilians. The Navy embarks detachments that comprise uniformed personnel to assist with communications and defense of the ship. As unmanned and autonomous surface and subservice vessels become more sophisticated and complex, the enlisted force could face severe cutbacks when maintenance and operation are shifted to the private sector, mirroring the uniformed manning requirements of the MSC fleet. Crew manning is a major issue already. The littoral combat ship (LCS) is billeted for roughly 50 sailors (up to around 100 with mission support teams). The new Zumwalt-class guided missile destroyer (DDG) only requires a ship's company of 168, compared with our current Arleigh Burke-class DDG that requires around 330. The technical advancements in LCS and Zumwalt reduce the need for larger crews due to their levels of automation and efficiency, but require significant outside activity (non-uniformed personnel) to service when major repairs are required. The numbers will further dwindle with smarter hulls.
Removing the human factor from the warship forces the next question, which centers on maritime-navigation law (mainly fault of collision) and the rules of armed conflict. Operator error, responsibility, and culpability can no longer be pinned directly on the captain or crew. Collisions at sea, negligent discharges, and friendly fire incidents cannot be traced down the chain of command. How can a court charge an unmanned warship?
Who Has the Right of Way?
Autonomous navigation and guidance systems have made leaps in their sophistication and abilities. From the Oshkosh TerraMax ground vehicle system that successfully self-navigates over adverse terrain and finds efficient routes, to the more mainstream Google cars that are in their final stages of development and obey traffic laws, it is evident that the International Regulations for Preventing Collisions at Sea (COLREGs) can be applied to naval unmanned systems. While the Navy's new fleet of ships and boats will not navigate the ocean like nautical iRobot Roombas, these systems are still susceptible to failure or damage (regardless of hostile action or mechanical failure) as a result of collision, grounding, or combat.
Modern naval navigation, surface maneuvering, and lighting identification standards are dictated by the International Maritime Organization's (IMO) COLREGs. Published in 1972, the "rules of the road" list 19 navigation laws for maneuvering vessels to facilitate safe travel in restricted and piloting waters and open ocean. (Surface warfare officers may have horrible flashbacks of the "shall" versus "may" line of questioning during their officer-of-the-deck Boards). These rules provide a basic framework for computer programming and logic, but in the construct of international maritime law, there are several questions that span a stratum of technical and legal issues.
The most pressing question is fault of collision. Collisions at sea, despite the high sophistication of radars, sensors, autopilot programs, and global positioning systems, still occur. In August 2012, the USS Porter (DDG-78) collided with a Japanese tanker while transiting outbound from the Straits of Hormuz. An investigation determined the Porter was at fault, and disciplinary action was taken.
But who is to blame and receive the proverbial lashings when an autonomous warship collides with another vessel? Is the country to which the ship belongs at fault? Or is it the contractor that developed the navigation or weapons programming? Does responsibility fall back on the military element tasked with providing the watch for the vessels while on station? It is critical that the IMO and powers that seek to employ unmanned warfighting vessels should work together to define navigation and watch standards for such craft. The International Convention on Standards of Training, Certification and Watchkeeping for Seafarers (1978) dictates requirements for humans, and a similar publication needs to be authored to set the benchmark for any unmanned vessel (warship or otherwise) navigating the seas.
Blue Screen of Death
Most of the Navy's warships will be unmanned, meaning people will be removed on various levels from the warfighting OODA loop and the engagement process. Regardless of how many human layers are removed, the programming and artificial intelligence employed to fight these vessels will allow the execution of extensive missions. Ideal missions for the unmanned vessel are attacking enemy naval forces, air and ballistic-missile defense, strike warfare, and intelligence collection. In these instances, clear-cut doctrine can be translated into programming that allows the vessel to execute its mission. Programming allows for the fluid execution of orders based on enemy vessel and aircraft characteristics.
The next sets of missions that create a level of uncertainty are those of blockades, piracy patrol, and escorting high-value vessels. An unmanned vessel, depending on its degree of autonomy, ability to accurately process information, and execute the OODA loop, may or may not be able to perform these missions. Each task requires that the vessel identify a contact as friend or foe and use that information to determine the appropriate response. What complicates this is the ability to put observations in context. Just because a contact breaches the threat zone (the last layer of defense for a ship) of a high-value vessel does not mean it intends to do harm. If a dhow maintains the same position for several days, this does not necessarily mean it is assessing merchant vessels for vulnerabilities. A merchant vessel steaming at 15 knots could have the same acoustic signature as a hostile frigate at the same speed. In these scenarios, the human role in the OODA loop may or may not be required. It boils down to the sophistication of an unmanned vessel's sensors, ability to interpret the environment and situation, and programming logic.
Where the unmanned warship's role has to be halted is the release of nuclear weapons. The Navy maintains a third of the nuclear triad, operating 18 Ohio-class nuclear-powered ballistic-missile submarines that function as both deterrence to hostile nuclear strikes and an offensive strike capability. There needs to be a presence on board to pull the plug or override a shutdown in the event of a launch. Until the human psyche and attitude concerning nuclear-weapons usage changes (highly unlikely), layers of human involvement in the decision-making process are required.
Sending Hindsight to Davey Jones
Rather than address what we should have done 10 years ago, it is necessary to define what we should do in the next decade. The Navy operates a vast array of vessels, ranging from the new Ford-class carrier (1,106 feet) to the Ticonderoga-class cruiser (567 feet) and Arleigh Burke-class destroyer (505 feet), to the smallest patrol boats (25 feet). While these warships are staples of the surface Navy, it is the amphibious Navy that holds the key to integrating unmanned combat vessels and eventually converting the Fleet into a largely unmanned and/or autonomous force.
Instead of primarily serving as a delivery force for Marines and shore assault craft, amphibious ships assume a role as mother ships. The landing platform dock (LPD, 682 feet) and landing helicopter dock (LHD, 831 feet) carriers serve as ideal platforms to develop, test, and employ unmanned warships. Their ability to provide command and control, on-station maintenance, and flood a wet well facilitates such missions. By employing tactics akin to those used by the Iranian Revolutionary Guard Corps' small-boat forces, amphibious vehicles can deliver unmanned fighting vessels at a rapid pace in a consolidated fashion to execute staple naval missions such as strike, patrol, and deterrence. The next phase is the conversion of the amphibious fleet to an unmanned force. Crews will largely consist of maintenance teams, while the mother ship navigates herself. The traditional roles of sailors on board warships as integral components are eliminated. Following that will be the cruiser/destroyer and subsurface combatants.
You're Smarter Than You Look
By assuming a greater role in the OODA loop, UMVs will gradually relegate sailors to shore-based support roles, severing them from the ocean and eliminating the essence of naval culture. Combat decisions will be made further up the chain of command, and the quintessential tactical-decision and reevaluation responsibilities will be turned over to the vessels themselves. This is not to say the Navy will lose its ability to effectively execute its mission to "maintain, train, and equip combat-ready Naval forces capable of winning wars, deterring aggression and maintaining freedom of the seas." It is, however, a fundamental change. Despite this assessment, one may look to the migration of the Navy from the seas to the stars as the catalyst for restoring the traditions and essence of naval culture: Technology has to reintegrate with its human masters before being released on its own.
Lieutenant Borgelt serves as the assistant operations officer and navigator for Coastal Riverine Squadron Two. Previously he served as the strike officer and auxiliaries officer on board the USS Cole (DDG-67). In August 2014 he will start at the Navy Intelligence Officer Basic School, and before joining the Navy, he served for four years at the FBI in intelligence analysis and operations.


text: URMC / Institute for Innovative Education / Center for Experiential Learning (CEL) / Continuing Medical Education (CME) / Activities and Event Management Activities and Event Management The CEL is ready to assist you with every aspect of event planning. Our fees are based on the level of sophistication of the program. Our Services Fully Coordinated Educational Activities These include: Location: Selecting and contracting a location for the activity and communicating with the facility's staff to ensure that all on-site needs are met including food and beverage, audio-visual and meeting room set-up. Collateral: Coordinating design and production of all advertising materials as determined, including save-the-date postcards, invitations, brochures and posters. Mailings: Identifying the target audience for program marketing materials. Generating mailing lists through the CEL database and other external sources. Registration: Compiling all registration forms and tracking registrant information. Registration reports provided as requested. CPE staff will be on-site for registering attendees the day of the activity and your Program Coordinator will be available throughout the scheduled activity day(s). Commercial Support: Handling all requests for educational grants and exhibit fees after being informed of key commercial support companies by the Activity Director. Coordinating Commercial Support Agreements which must be prepared for each company providing support for an approved CME program. Handling exhibitor set-up and tear-down on the day of the activity. Reconciling all support money after the activity. Speakers: After the Activity Director selects the program speakers, CEL will send out requests for Speaker Declaration Forms for determining conflict of interest, which are required from each speaker according to CME Guidelines and Standards. Gathering of Speaker Information Forms which will indicate speaker overnight accommodation needs, audio-visual requirements and hand-out materials. Hotel accommodations and travel arrangements for speakers handled upon request. Additional Certifications: Completion of any additional applications for continuing education credit such as nursing or AAFP as requested by the Activity Director. Syllabus Materials: Gathering, printing and collating all hand-out materials including program, roster, supporter acknowledgement, speaker hand-outs, note sheets and evaluations. Evaluations: Preparing an evaluation tool which measures the success of the program as related to needs assessment and objectives. Data collected from participants at the conclusion of the activity is evaluated and analyzed for their effectiveness. Results will be shared with the Activity Director, planning committee, and individual speakers. Finances: Managing financial details including construction and modification of the budget, overseeing program revenue and expenses, and if necessary, altering the program structure to ensure that deficits are kept to a minimum. We will prepare a final summary of revenue and expenses for the activity; this is normally accomplished 2-3 months after the activity. Have questions? Need more information? Please contact our Associate Director, Continuing Education and Programming, Mary Beth Ebersol, in the Center for Experiential Learning (CEL) at (585) 273-5058 or email her directly at email@example.com. Logistical Event Planning Site Selection Choosing the right venue—conference room for 10 or reception hall for 300 Ordering and arranging for all furnishings Staffing Audio visual equipment and personnel Parking and Transportation needs Details Catering Travel and housing arrangements Decorations Photography Have questions? Need more information? Please contact our Event Coordinator, Jillian Lynch, in the Center for Experiential Learning (CEL) at (585) 273-1747 or email her directly at: Jillian firstname.lastname@example.com.


text: Hi Everyone, From what I understand, from Phandroid.com, the Sprint's Hero will be using the TeleNav service for navigation and there will likely be an extra cost for it. My question is that with this device, will the person be able to use GPS on the Hero besides the TeleNav feature? In other words, if someone wanted to use a program like ShopSavvy, could they use the GPS for it? Thanks. Sincerely, Nikhil


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The English Language Studies (ELS) department at UFV offers full-time and part-time classes in the English language. The program includes courses for speaking, listening, grammar, vocabulary, reading, and writing as well as elective courses such as Business English and Pronunciation. Students who wish to take university-level courses may do so either by completing upper-level Bridge ESL or EAP courses or by taking both upper-level EAP courses and academic courses through the University Foundation program.
Program office: Room A247, Abbotsford campus
Telephone: 604-854-4581
Special programs may be offered at different times.
You can become an ELS student if you have completed Grade 12 or equivalent, or if you are 19 years of age or older before the first day of classes, and if English is not your primary language of communication. International students should contact UFV International. Classes are normally for intermediate, advanced, and bridge-level students only. Beginner students may need special arrangements.
Applications are accepted on a continuous basis throughout the year. Qualified applicants are considered for the next intake in which there is space. See Continuous application process for more information. ELS classes begin in September, January, and May.
Fill out an application form in the ELS office. There is a $45 application fee. Applicants will be given an appointment for a language proficiency assessment. All students must complete an assessment before registering. The assessment takes approximately two hours and is free of charge, but new students must call or visit the ELS office to arrange a day and time to come in to do the assessment. Students who have recently completed a LINC class may not need to have an assessment done.
After the assessment, pick up your timetable from the ELS office. You will be assigned a time to register. If you register after the second week of classes, there is a late registration fee. Please remember to notify the ELS office and the Office of the Registrar of a change of address or phone number if you move or change your phone number.
It is very important to attend all classes but especially your first class. Please check your timetable for the times and locations of your classes. If you do not attend your first class, your place may be given to a person on the wait list. You are expected to attend classes from the beginning to the end of the course. Classes with insufficient enrolment may be cancelled.
Students who obtain a grade of C- or higher in an ELS class are eligible to register in EAP courses at the next level. Students can obtain a transcript online at the end of each semester. Students who do not attend class regularly or who do not complete the required tests, quizzes, exams, and/or assignments are usually unable to advance to the next level.
Students enrolled in undergraduate courses (courses numbered 100 or above) must maintain an undergraduate Cumulative Grade Point Average (CGPA) of at least 2.00 to remain enrolled in Good Academic Standing at UFV. Students in Good Academic Standing will have no registration limits placed on them. Failure to meet the minimum CGPA requirement will result in restrictions on registration and may eventually lead to academic suspension from undergraduate studies at UFV. Students on Academic Warning or Academic Probation may register in no more than 10 credits. For further details, see the Academic standing and undergraduate continuance section of the academic calendar. Academic standing is governed by UFV's Undergraduate Continuance policy (92).
See the Fees and Other Costs section for current course fees. Textbooks and other class materials must normally be purchased for each course, and a headset is required for all courses with a lab component. These are available in the UFV bookstore. Please see the ELS webpage for more information.
Domestic students can apply for the Adult Upgrading Grant (AUG). Students who qualify for this grant can receive funding for their study costs, including tuition and textbook costs. Applications must be submitted to the Financial Aid and Awards office at least four weeks before classes start. The Adult Upgrading Grants Application form must be completed.
Certain classes are scheduled in the computer lab or have a lab component. Open lab times are available for students who wish to complete homework assignments or use computer software to help them in any skill area in which they need to improve.
Students will improve their basic reading, writing, and speaking skills in an intensive course in classes that meet for three or more hours per day.
Students will improve their spoken and written English and increase their vocabulary. Students may want to take the phonics course or the pronunciation courses at this or the advanced level.
Students will improve their reading and writing. They will develop a better knowledge of grammar and vocabulary. They will continue to improve their listening and speaking ability. These levels are a preparation for further academic study. Students at this level may be eligible for the University Foundation Program which allows them to take both ELS and university level courses at the same time.
The ELS department offers four English language proficiency certificates. Qualified students who want to receive a certificate must apply for the certificate they wish to receive. Students must achieve a grade of C- or better in each of the listed courses, and must have an overall GPA of 2.00 or higher on all the courses for the certificate. Students may apply for more than one certificate.
Note: The ELS department does not issue certificates for work that has been completed at other institutions.
The English Language Studies program (ELS) at UFV combines in-depth training in core language skills in two intensive and six regular levels with a choice of optional electives to suit the individual needs of students. The gradual shift from ELS into academic subjects gives students practical support during this transition and helps them adjust to academic studies.
This approach also helps maximize student success in further academic or career programs by providing students with the opportunity to develop the language and socio-cultural skills required in Canadian universities. On completion of upper-level EAP and ESL Bridge courses (course at the 080 level) students who have applied may receive a certificate, and are eligible for entry into academic programs provided they have completed EAP 084 (formerly ESL WG84) with a C+ and have completed all other course requirements for entry into the program. Students may also begin taking academic courses while taking the final two levels of the ELS program through the University Foundation program.
All reading/vocabulary, writing/grammar, and speaking/listening courses are considered "core." All other courses are "electives."
Five ELS core subjects plus optional electives
|Level 050-060
|Plus two optional electives: (see Note)
|Pre-intermediate to Advanced
|All ESL or EAP courses
|Writing/grammar, reading/vocabulary, and speaking/listening
|Level 070
|Advanced 2
|Foundation I
|Writing/grammar, reading, and speaking
|Depending on GPA
All ESL, or one or two non-ESL
|Level 080
|Foundation II
|Writing/grammar and reading
|Depending on GPA
All ESL, or up to three non-ESL
Note: Not all electives are offered every term. Please check with the ESL department.
Click here for University Foundation certificate details.


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This week, L'Osservatore Romano highlighted a study, just in time for Lent, on the sinful tendencies of the sexes. The report, according to the BBC, was based on a study of confessions carried out by Roberto Busa, S.J., a 95-year-old Jesuit scholar. The Pope's personal theologian agreed. "Men and women sin in different ways," said Msgr Wojciech Giertych in L'Osservatore. Giertych listed lust as the most common sin for men; for women, pride. So the study shows men and women sin differently.
Or do they? Not so fast, I say. Here's my take, with Scott Simon on NPR's Weekend Edition. Wait for the joke at the end!
James Martin, SJ
Comments are automatically closed two weeks after an article's initial publication. See our comments policy for more.
9 years 10 months ago
I have misgivings similar to those of Mr. Binder (the first comment-poster). I first heard about the study when I heard Fr. Martin's interview on NPR last Saturday morning. I kept waiting for Mr. Simon to ask Fr. Martin about the subject of the seal of Confession. I certainly wondered how the study's author, and others involved, compiled the information. More crucially, I was curious to know if any information released with the study indicated whether those who were involved had grappled with the possibly negative pastoral implications among Catholics and the puzzlement, or worse, among others regarding the appearance, at least, of playing fast and loose with the seal of Confession. Regarding Fr. Martin's joke about Confession, I started re-telling it that same day and have gleefully continued doing so! C. Wood, Portland, OR
9 years 11 months ago
It is not the results I find troubling, but the analysis itself - or rather - that such an analysis was done. People stay away from the Sacrament enough without the knowledge that someone may even informally tabulate their sins.


text: Elaine Smith Pillows offer homeowners the chance to create a sophisticated, custom look in their outdoor living space with luxurious pillows that resist rain, sun and stains. Crafted exclusively with Sunbrella fabrics, these waterproof throw pillows are strong enough to resist anything the outdoors can throw at them, but stylish enough to be used indoors or out. Elaine Smith Pillows come in a range of sizes from small rectangular lumbar pillows to large 22" x 22" squares. Collections change frequently and feature the top trends in decorating from chevron patterns, natural motifs, animal prints and textured accents in a range of trendsetting colors. Each Sunbrella pillow comes complete with a weather-proof pillow insert for outdoor use, or the ability to upgrade to a faux down pillow insert.


text:
James Dobbie, the founder of Dobbies Garden Centres, was born in 1817. James Dobbie grew up in a time when the industrial revolution in Britain put gardening in reach of ordinary people, giving them a wonderful new hobby.
The first seed
This was the 'hot bed' of interest in which the young James Dobbie grew up and by the age of 23 James was exhibiting flowers in local shows, going on to win prizes at the Highland Agricultural Show ten years later.
A career move at 38 saw him become Chief Constable at Renfrew in the West of Scotland, but far from curtailing his hobby, James carried on winning prizes with his beautiful pansies, phloxes and marigolds, as well as leeks and onions.
A flourishing business
In 1865, James Dobbie packeted seeds from a leek which yielded an incredible 16oz of seeds and sold out in two days. James resigned as Chief Constable in 1866 and devoted himself entirely to J. Dobbie 'Choice Seeds & Flowers' of Renfrew. The business thrived and in 1887 James Dobbie elected to sell it on to his chief assistant of many years, William Cuthbertson, who took on a partner, Robert Fife, a well-known horticulturalist, though it continued to trade under the name of Dobbie & Co.
In 1894, land was bought at Orpington in Kent for seed growing and the company was granted a royal warrant.
In 1900, Dobbie & Co launched their mail order catalogue, sending seeds across the country – so by 1905, when the grand old seedsman died, James Dobbie's name was known by gardeners all across Scotland and England.
Sales from Dobbies' impressive catalogue continued to grow and by 1910, demand for seed prompted the firm to move to much larger premises in Portobello, Edinburgh.
Recent times
The move to the 70-acre site at Melville, on the outskirts of Edinburgh happened in 1934 where the company headquarters remain to this day.
Dobbies was acquired in 1969 by Waterers – another distinguished horticultural business based in Surrey – and the amalgamation allowed business to flourish both north and south.
David Barnes, the managing director of Waterers, then acquired Dobbies in 1984 and the business continued to develop, when David Barnes' son, James, joined the Board.
By 1992 Dobbies was focused on expanding its garden centre operations, and with the addition of visitor attractions it quickly became known as a leisure destination for all the family. In 1994 Dobbies underwent a management buyout before allowing additional capital to be raised.
Today Dobbies is owned by Midlothian Capital Partners and Hattington Capital who have appointed Graeme Jenkins as Chief Executive.
Other pages in this section...
For 150 years, the Dobbies name has stood for quality horticulture. During this time we've been proud to provide the very best products and expert advice to gardeners throughout the UK.
More info


text: The episode of Get Married featuring my launch party and runway show will air Monday, May 11 on Lifetime Network at 7:30 am EST. I can't wait to see it!!!! If you happen to miss it, you can catch it online (I'll post the link as soon as it's up) or it will air again on May 27th.


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It's been a long time since I have reviewed a product on my blog but this one really impressed me and I feel compelled to share it with everyone else. As we know (or not) I have reached the age of 30! i am middle aged-ish (ish because I intend to live beyond 60 lol) anyway taking this into account I was looking for a new foundation to meet my "aging" skin needs. The foundation I had before in liquid version was way too greasy and was blocking my pores, and slipping away after just a few hours. The effect on pictures was horrible, was making me look older and greasy. The one before that was too pasty and cakey, and although it provided great cover I always ended up looking doll like and not natural at all.
So it was time to find something new.
And there I was, wondering through vast the aisles of makeup at my local store which we all know can be rather distracting, with so many products competing for our attention. Anyway there I was when I saw this new – or at least new to me – concept of air foam foundation. Interesting I thought, and very appropriate for the hot summer days coming ahead, soI gave it a go; I bought Mabelline Dream Nude Air Foam. Tip: shake the little can before you apply, my first attempt without shaking gave me a handful of colourless foam. Also you must apply to your hand a small amount of the product and work it from there. It is super light but has excellent cover, unlike some other mousses I had tried before. Mabelline Dream Nude Air Foam runs smoothly over your skin concealing all imperfections. I love it! I wasn't expecting much from it at first as I have been disappointed by so many foundations over the last months but this one is a keeper. Perfect natural finish and impeccable cover. I also purchased the Dream LUMI Touch Highlighting Concealer to go with it and boy they make a great duo.
The Dream LUMI Touch Highlighting Concealer does exactly what it says on the label. It illuminates your skin on those darker areas that might need an extra boost. I used it under my eyes and on the corner of my eyelids, as well as on the corners on my lips. It comes with a handy little brush – very much alike those that come with some lip-glosses – allowing you to spread the right amount on the right place. You can also use your fingers to diffuse the effect. It runs smoothly, fragrance free and it's non greasy. Overall this two products will give you very good coverage without cake-ing your face; you get a very natural look and radiant complexion. They come in a range of different tones to accommodate your skin colour and are very affordable. I say give it a go!
Tip: when looking for foundation always try to get a yellowish tint in it. It makes your face look warmer and gives it a little glow, which you can also improve by using a little bronzer. But go easy on the bronzer!
Happy Summer Skin!
Keep an eye open for more summer skin tips coming soon.


text:
February 6, 2004
Jonathan G. Katz
Re: File No. S7-27-03-- Proposed Rule: Amendments to Rules Governing Pricing of Mutual Fund Shares
Dear Mr. Katz:
Charles Schwab & Co., Inc. ("CS&Co"), along with its affiliate Charles Schwab Investment Management, Inc. ("CSIM" and together with CS&Co, "Schwab")1 appreciates the opportunity to comment on the Securities and Exchange Commission's ("Commission" or "SEC") recent proposed amendments to rules governing the pricing of mutual fund shares (the "Proposed Rules"). The Proposed Rules provide that an order to purchase or redeem fund shares would receive the current day's price only if the fund, its designated transfer agent, or a registered clearing agency receives the order by the time established by the fund for calculating its net asset value (usually 4:00 p.m. Eastern Time, or "Market Close").2 The Proposing Release also seeks comment on an alternative proposal that would allow fund intermediaries to submit orders to funds, their designated transfer agents or Fund/SERV after Market Close, provided that they have adopted certain protections designed to prevent late trading.3
Schwab Strongly Supports the Commission's Goal of Preventing Unlawful Trading in Mutual Fund Shares
Schwab strongly supports the Commission in its effort to prevent unlawful late trading in mutual fund shares. Schwab shares the Commission's belief that effective reform in this area is necessary to protect investors from the types of abuses uncovered in recent regulatory investigations and to restore investor confidence in the mutual fund industry. In Schwab's view, however, the Proposed Rules would have a dramatic negative effect on individual investors if all intermediaries were required to transmit purchase and redemption orders to the funds prior to Market Close. This proposal, referred to as the "hard 4:00 cut-off," would require most intermediaries to impose a pre-Market Close order cut-off time (an "early order cut-off") such as 2:00 p.m. Eastern Time to ensure that orders were received by the funds prior to Market Close. As discussed in greater detail in Section I below, Schwab believes this result would adversely impact millions of individual investors who benefit from the many services that intermediaries provide.
Instead, as discussed in Section II below, Schwab believes that the alternative proposal suggested by the SEC in the Proposing Release builds upon and improves the hard 4:00 cut-off proposal and more effectively achieves the Commission's goal of preventing late trading without disadvantaging individual investors. That proposal would mandate certain protections for any intermediary seeking to submit orders to mutual funds after Market Close, including a verifiable audit trail, annual certifications, and independent audits. Our proposal outlined below would include additional enhancements, including SEC inspection authority and enhanced compliance policies and procedures. Schwab believes that our proposal will result in a verifiable, "smart 4:00 cut-off" that will apply to all mutual fund orders, rather than a hard 4:00 cut-off that applies only to orders submitted through intermediaries. In that sense, the smart 4:00 cut-off is consistent with, and augments the hard 4:00 cut-off, because intermediaries not willing to adhere to the stringent requirements of the smart 4:00 cut-off proposal would be subject to a hard 4:00 cut-off. In addition, the smart 4:00 alternative proposal avoids the significant costs discussed in Section III below and other unintended consequences of implementing a hard 4:00 cut-off.
Nevertheless, if the Commission decides to adopt the Proposed Rules with a hard 4:00 cut-off, Schwab recommends in Section IV below that the Commission adopt additional provisions to enhance the effectiveness of those rules, which we believe by themselves may not be a sufficient means to prevent unlawful late trading.
Schwab also supports the SEC's efforts to enhance disclosure of mutual funds' policies regarding market-timing, fair value pricing, and selective disclosure of portfolio holdings,4 and we are submitting a comment letter under separate cover in support of those proposals.
I. The Hard 4:00 Cut-Off for Orders Submitted Through Intermediaries Will Significantly Disadvantage Large Groups of Investors and Will Have Other Unintended Adverse Consequences
The hard 4:00 cut-off will result in an early order cut-off for the majority of orders submitted through intermediaries and will disadvantage large groups of mutual fund investors. It would impose an unreasonably early deadline for people located on the West Coast and in Hawaii and create a special hardship for people who invest in mutual funds through 401(k) retirement plans. A hard 4:00 cut-off would also disadvantage investors who prefer the convenience and benefits of investing through intermediaries rather than purchasing shares directly through a fund. In addition, a hard 4:00 cut-off would create a competitive disadvantage for mutual funds as compared to alternative investments such as exchange-traded funds, collective trust funds and other pooled investment vehicles.
Impact of a Hard 4:00 Cut-Off on Individual Investors. As the SEC acknowledges in the Proposing Release, the Proposed Rules would require substantial changes in the way fund intermediaries process fund purchase and redemption orders. Today, a mutual fund may accept an order after Market Close provided it was received by an intermediary prior to Market Close; and in fact most mutual funds receive the large majority of their orders for the day in the form of aggregated orders from intermediaries after Market Close. However, under the Proposed Rules, investors investing through intermediaries would be required to submit orders prior to a hard 4:00 cut-off, such as 2:00 p.m. Eastern Time, to allow the intermediary sufficient time to process the purchase and redemption orders before submitting them to the fund, its designated transfer agent, or a registered clearing agency by Market Close.5
The hard 4:00 cut-off would particularly disadvantage investors on the West Coast and in Hawaii. For example, West Coast investors might be required to submit their mutual fund orders to the intermediary by 11:00 a.m. Pacific Time (and as early as 8:00 a.m. in Hawaii) to receive that day's current price (assuming a 2:00 p.m. Eastern Time early order cut-off). Investors on the West Coast and in Hawaii will be required to submit mutual fund orders at a substantially earlier time on days when the market closes early.
Impact of a Hard 4:00 Cut-Off on Retirement Plan Participants. More significantly, retirement plan participants, because of the increased complexity of aggregating and pricing orders at the individual and plan levels, would have even earlier, less convenient cut-offs than ordinary retail investors. The latest order cut-off a retirement plan could administer likely would be 12:00 p.m. Eastern Time. In practice then, as noted in the Proposing Release, almost all retirement plan participants would as a result receive next-day pricing, not same-day pricing.
The Proposed Rules would have other unfortunate consequences for retirement plans. If the rules require a hard 4:00 cut-off, retirement plans will face strong pressure to offer choices only from a single fund family. In this way, retirement plans will be able to take participant orders later than if the orders were first routed through an intermediary such as a broker-dealer. However, limiting plan participants to a single fund family will be a detriment for 401(k) plan participants. It will reduce choice and the ability to diversify retirement assets across multiple fund families. Reducing participant choice will encourage higher operating expense ratios and other costs and will reduce competition among funds. As a result of reduced choice and increased costs, plan participants could face increased risk and decreased returns.
Forcing retirement plan participants to get next-day pricing would also raise serious fiduciary issues for retirement plan sponsors as to whether they should offer mutual funds as an investment option at all, when other pooled investment vehicles (such as bank collective trust funds and insurance company separate accounts) with same-day pricing are available as alternatives. It would be unfortunate if the Proposed Rules created an incentive for 401(k) plan participants, who include less sophisticated investors, to receive investment choices with a lower level of investor protection.
While the effect of next-day pricing on a single investor may be small, the aggregate effect on all investors is large. SEC statements over time on best execution (in the equities context), for example, make clear the SEC's view that it is a serious breach of fiduciary duty to short-change investors by a few pennies per share. In the aggregate, especially over long periods of time, pennies matter.6 Long-term investors should be fully invested; systematically having money uninvested for a day will increase long-term tracking error and disadvantage investors (especially since significant market events will occur on some of the uninvested days). Retirement plan participants will be especially impacted because they invest in mutual funds frequently and on a regular basis, not limited solely to payroll contribution programs and portfolio rebalancing transactions. It will undermine 401(k) plan participants' confidence in mutual funds if they are forced to wait an extra day to sell in a falling market, or to buy in a rising market.
Impact of a Hard 4:00 Cut-Off on Investors' Use of Intermediaries. A hard 4:00 cut-off for orders placed through intermediaries would not affect an investor's ability to place orders directly with a mutual fund or its transfer agent up until Market Close. As a result, a hard 4:00 cut-off will create a strong disincentive to investing in mutual funds through intermediaries, which benefit investors in many ways.
Intermediaries are more convenient for investors. Intermediaries allow clients to see all of their investments, including equities, bonds and mutual funds from all fund families on a single web page and/or a single statement. Seeing all of their investments in one place allows customers to better determine whether their overall asset allocation and their individual investment choices continue to make sense. Moreover, intermediaries are able to give customers advice to assist them in choosing among different funds and fund families - advice that may be unavailable for customers who invest directly with particular fund families. Another benefit of consolidation is that it reduces the tax preparation burden by reducing the number of individual fund statements and Forms 1099 investors receive.
Intermediaries enhance clients' ability to comparison shop among different fund families and make more informed decisions, while buying and selling at the same price as if the clients had invested directly with a fund. Enabling comparison-shopping among different fund families fosters more robust competition, and increases the likelihood that investors will find funds that best match their particular needs. Competition among fund families also creates downward pressure on operating expense ratios and other costs.
Intermediaries also allow investors to move money more easily from one fund family to another. As a result, investors who use intermediaries are less captive to a particular fund company. It is not necessary to request a check from one fund family, receive the check, open an account at another fund family, and mail a check to that fund family. The same-day exchange process allows customers of intermediaries to rebalance their portfolios more quickly and easily. As a result, investors are less likely to stay in poor performing, high cost funds than customers who invest directly with a fund.
The SEC staff has repeatedly noted the benefits to investors of fund supermarkets, as recently as its letter to the House Financial Services committee last summer.7 Since the introduction of the first no-load, no-transaction fee mutual fund supermarket in the early 1990s, investors have moved the majority of mutual fund holdings in the industry from direct holdings with funds to holdings through supermarkets. The SEC should not adopt regulatory changes that encourage clients to move from investment through intermediaries to direct holdings with fund companies. A hard 4:00 cut-off is a step backwards in time to before 1997, and it will deny the benefits of choice and open architecture that many individual investors have come to expect from investing through supermarkets.
Impact of Hard 4:00 Cut-Off on Funds-Cost and Competition. By discouraging the use of intermediaries and encouraging direct investment with funds, a hard 4:00 cut-off would result in all funds having to build more infrastructure for handling customer service and orders. Today, most fund companies benefit by receiving a relatively small number of orders - the work of aggregating thousands of customer orders (and doing all of the attendant sub-accounting) occurs at the broker-dealer, not at the fund company. It is more efficient for intermediaries, such as broker-dealers, to build this infrastructure, where they can leverage the infrastructure they already have for handling orders for other types of securities.
Requiring a hard 4:00 cut-off for mutual fund orders placed through intermediaries will create additional competitive distortions. Newer, smaller, more entrepreneurial mutual funds primarily reach clients through intermediaries and typically do not have the scale to reach clients directly. If the SEC adopts regulations that discourage the use of intermediaries, the result may be higher barriers to entry for new funds and fewer choices for investors. As a result, the mutual fund industry will move towards an oligopoly of large fund complexes with the size and scale to be able to reach investors directly. The inevitable result of lessened competition will be higher costs for investors.
Moreover, mutual funds are just one choice among many other types of investments. A hard 4:00 cut-off that applies only to mutual funds would disadvantage these funds compared to investors in competing products that will continue to have later cut-off times. Equities, exchange-traded funds (ETFs), closed-end funds, bank collective trust funds, insurance company separate accounts, and managed accounts will continue to accept orders up until Market Close. If the SEC imposes a hard 4:00 cut-off only on mutual funds, it would encourage investors to prefer those products to mutual funds. Many of these other products are less regulated, less transparent, have less robust disclosure, and have significantly less information available about them because they are not analyzed by firms such as Morningstar or Lipper.
II. The Most Effective Means to Prevent Future Illegal Late Trading Is Through an Enhanced Electronic Audit Trail Combined with Certification, Independent Audits, SEC Inspection and Enhanced Compliance
Schwab fully supports the SEC's effort to enhance regulation to prevent illegal late trading. We are particularly supportive of the SEC's inclusion in the Proposing Release of the alternative proposal that would allow a fund intermediary to submit orders to designated transfer agents or Fund/SERV after Market Close, provided that the intermediary adopts certain protections designed to prevent late trading. The SEC identified three protections as important components of this approach:
We suggest adding two additional protections to the three identified in the Proposing Release:
We believe that any intermediary that seeks to submit orders that it received from its customers prior to Market Close to the fund company after Market Close should be required to adopt the five protections set forth above. Intermediaries should have the option, however, to avoid adopting these protections if they elect to submit their orders to the fund company prior to Market Close. This approach will be more effective in preventing instances of late order trades, while avoiding the many hardships a hard 4:00 cut-off would impose on millions of mutual fund investors.
Schwab believes that the hard 4:00 cut-off approach may not achieve the Commission's stated goal of preventing future late trading, but rather may result in some of the problems that currently occur at the intermediary level being shifted to the fund itself or its transfer agent. As noted by the Commission in the Proposing Release, some fund managers themselves may have processed late trades by certain favored investors; the problem is not limited solely to intermediaries. The most effective way to stop late trading at both the fund level and the intermediary level is to make the time that a customer submits an order transparent to the fund, its independent auditors, and SEC examiners, and subject the order process to strict compliance controls, certification requirements, and independent audit and examination. This verifiable, "smart 4:00 p.m. close," provides a greater level of protection because it applies to all mutual fund orders, while avoiding the hardship on individual investors imposed by the "hard 4:00 p.m. close."
Electronic Audit Trail. The mutual fund industry, together with NASD members, should work together to establish an enhanced electronic audit trail for mutual fund orders. This audit trail should document the time of receipt of the order from the client, the time of transmittal within a firm (for example, from a branch or call center to a mutual funds operations group), the time of transmission among intermediaries (for example, from a retirement plan Third-Party Administrator ("TPA") to a broker-dealer), and the time of transmission from the intermediary to the fund or its transfer agent. Further, the SEC should require that all mutual fund and variable annuity order tickets be time-stamped.
Annual Certification of Procedures. Entities that handle mutual fund orders - including fund companies and their transfer agents, as well as intermediaries such as brokerage firms and retirement plan TPAs - should issue annual certifications that they have procedures reasonably designed to prevent or detect late trading, and that those procedures have been implemented and are working as designed. Intermediaries would make these certifications available to any mutual fund on behalf of which it accepts orders for purchase or sale of shares of the fund. As is typically the case for certifications under the Sarbanes-Oxley Act of 2002, each entity would be responsible for designing a process to give the individuals signing the certification a reasonable basis for believing it to be correct. As with the SEC's recent proposal for investment company and investment adviser compliance programs, the annual certification process would address whether changes are needed to assure the continued effectiveness of the late-trading procedures.
Enhanced Auditor Review. Entities that handle mutual fund orders should be required to conduct an annual auditor review of their late-trade prevention and detection procedures. For registered intermediaries such as broker-dealers or banks, we suggest at a minimum a standardized SAS 70 or similar review by independent auditors. This would be a significant improvement and strengthening of current practice regarding independent auditor review of intermediaries submitting orders after Market Close, which generally is not required. Where independent auditors have been retained to review trade processing by intermediaries, the review generally has not been as extensive in scope as a SAS 70 review.
An audit review would be based in part on the annual written compliance certification by the intermediary's management discussed above, which would in this context serve as the equivalent of a management representation letter for an auditor review. Both the management certification and the results of the auditor review should be provided to the funds on behalf of which the intermediary accepts orders. Further, if the auditors discover any material control weaknesses, and management does not promptly correct those weaknesses, the auditor should be required to escalate that information to the SEC, similar to the requirement for independent audit escalation in Section 10A of the Securities Exchange Act of 1934 (the "1934 Act").
Consent to SEC Inspection Jurisdiction. The SEC should be able to inspect any intermediary to review whether its late-trade prevention and detection procedures are adequate and are working as designed. The SEC already has jurisdiction to inspect broker-dealers who process mutual fund orders; but there should be consistency in oversight. Unregistered intermediaries (such as retirement plan TPAs) should consent to SEC inspection on the ground that they are acting as agent of an SEC registered mutual fund when they accept orders for that fund. Indeed, some TPAs are already subject to SEC jurisdiction as registered sub-transfer agents for fund companies.
To the extent intermediaries such as TPAs decline to consent to SEC jurisdiction for inspections, they should be required to submit all trades to a registered intermediary (or directly to the fund or transfer agent) before Market Close. Because this would be a substantial competitive disadvantage for TPAs, we believe that most if not all would consent. Submission to SEC inspection is particularly appropriate when an intermediary has access to the NSCC's Fund/SERV system. Intermediaries should have the option of submitting to SEC inspection and examination jurisdiction or not having access to NSCC. Alternatively the NSCC should build the necessary controls within the Fund/SERV system that would prevent unregulated entities from submitting orders after 4:00 p.m.
Enhanced Compliance Surveillance. Even with an electronic order audit trail, there may be situations where the electronic version of the order is entered shortly after Market Close (for example, when a client calls just before Market Close but the registered representative does not finish inputting the order until shortly after Market Close, or when a computer systems problem delays electronic input of the order). A robust compliance surveillance process can address the potential for abuse of this process. Firms should require surveillance for suspicious patterns of potential late orders by a single client, orders entered by related clients (such as clients of a single adviser), or orders entered by a single registered representative. Where suspicious patterns exist without adequate contemporaneous explanations, firms should take prompt actions to investigate and respond appropriately. Where there are multiple levels of intermediaries - e.g., a retirement plan TPA that sends orders to a brokerage firm - the last intermediary that transmits the order to the fund should obtain satisfactory assurances about the policies and compliance efforts of the earlier intermediaries.
Moreover, each intermediary's handling of late orders should be transparent to the regulators. Funds and intermediaries who accept customer orders up until Market Close should file annually with the SEC a report of trade activities including reporting of any "late trades" with explanations. This reporting would allow visibility and oversight by the SEC without overwhelming the agency with the need to inspect or examine each firm: the SEC could target firms where the late trading filings indicate unusual activity. This process already exists for transfer agents in the current TA-2 filing. Finally, funds and intermediaries should be required to review late trading policies and procedures with their employees in their annual compliance continuing education meetings.
The combination of these five important enhancements will ensure that the hard 4:00 cut-off in combination with the smart 4:00 cut-off will be the most effective means of preventing and detecting late trades. The requirements of the smart 4:00 cut-off are far more extensive than the requirements imposed on most intermediaries today, which in some cases consist of no more than a contractual representation by the intermediary. The combination of a verifiable audit trail, certifications, and enhanced compliance policies and procedures would be far more effective in detecting instances of late trading and making them more evident during independent audits and SEC inspections.
III. The Hard 4:00 Cut-Off Rule Proposal Will Require Costly Upgrades to Intermediary Computer Systems and Processes
We also support the Commission's verifiable audit trail alternative because, not only is it more effective in preventing instances of late trading, but it is also less costly to implement than the hard 4:00 cut-off. The hard 4:00 cut-off proposal will force intermediaries to abandon the omnibus business model and instead require them to adopt an individual order or sub-account model, even though market forces or an intermediary's particular circumstances might dictate a different result. Implementation of a hard 4:00 cut-off would require reprogramming all computer systems that accept orders, and a fundamental reordering of the order handling and settlement process. These changes would have to be made simultaneously by fund companies, transfer agents, settlement utilities, brokerage firms, investment advisers, retirement plan administrators and other intermediaries. The cost of implementing and testing these changes (as orders are handed off from participant to participant) would be substantial, and those costs would almost certainly be passed on to investors. Such a complex series of systems modifications could not be accomplished quickly.
A hard 4:00 cut-off requirement is neither a quick nor an inexpensive fix to the late trading problem. We estimate that the cost of NSCC fees alone, shared by the funds and Schwab, of pushing our order-aggregation function out to the fund companies would be some $4 million/year. If the SEC pushes more clients to invest directly with fund companies, the result will be to increase costs overall in the mutual fund industry.
On the other hand, the cost of implementing the verifiable audit trail proposal will be significantly lower. Many intermediaries, transfer agents and fund companies already have in place the systems necessary to electronically time-stamp orders, so the cost of upgrading those systems should be incremental. We estimate the one-time cost for our system upgrade to be in the range of $300,000 to $1,000,000. The cost of an independent audit of our controls and procedures would range from $25,000 to $75,000 annually, depending on the scope of the review.
System Development Costs. Firms doing business in an omnibus model may find that they must develop real time aggregation of orders in order to have trading cutoff times that are reasonably competitive. Speed requires greater investments in technology with little perceived benefit. These investments may be particularly difficult for small firms and could result in firms exiting the mutual fund business, which negatively hurts competition and pricing in the long run.
Increased Transaction Costs. For firms that have made the investments in omnibus processing and the ability to aggregate orders, moving backwards to transmitting orders individually or at a sub-account level to the funds will result in an unnecessary duplication of expenses for intermediaries and funds. This duplication of expenses will cause operating expense ratios to rise or alternatively funds and intermediaries will raise minimums and/or reduce services such as Automatic Investment Plans, which will directly impact small investors.
To illustrate the impact of such a change, we have attempted to detail below the incremental costs that would be incurred by one intermediary and the funds with which it transacts business.
Assumes cost per order8 = $0.35 split between fund and intermediary. This amount represents the cost of processing additional trades through NSCC.
Incremental cost to intermediary and the funds = $4,095,000 annually
These expenses would likely be passed on to investors in the form of higher operating expense ratios.
Implementation Period. Given the substantial amount of work that will be required for all intermediaries and fund companies to migrate to a hard 4:00 cut-off world, we seriously question the adequacy of the one-year implementation period set forth in the Proposed Rule. Based on the systems changes that we would have to make, and the fact that NSCC will have to make significant changes to its own systems, we believe that an implementation period of 18-24 months would be more realistic. On the other hand, an implementation period of one year for the verifiable audit trail proposal would be reasonable.
IV. The Hard 4:00 Cut-Off Proposal Could Be Strengthened with Certain Additional Protections
As stated above, Schwab strongly supports the SEC's goal to prevent unlawful late trading of mutual fund shares and agrees that reform is necessary. If the SEC ultimately decides that the better approach is to mandate a hard 4:00 cut-off for intermediaries, we believe that additional procedural protections could significantly enhance the prevention of late trading. We believe that all mutual fund and variable annuity orders should be required to be time-stamped by broker-dealer intermediaries. Similarly, orders received by mutual fund companies directly should also be required to be time-stamped, similar to the SEC's proposal to require time-stamping of mutual fund orders by transfer agents. This would provide transparency as to the time of receipt of such orders as well as create a formalized, verifiable process to record receipt of orders.
We also believe, as has been suggested by some other commenters, that the hard 4:00 cut-off proposal should allow a fund to appoint one designated sub-transfer agent, in addition to one designated transfer agent, to receive orders by the time the fund has established for calculating its net asset value. Permitting this additional sub-transfer agent designation is important because many funds have arrangements with sub-transfer agents that permit their shares to be more easily purchased across a variety of platforms and through different media. Sub-transfer agents play a critical role in expanding funds' access to investors and provide specialized services and expertise that reduces overall expenses and improves service to investors. To assure that sub-transfer agents prevent late trading, they should also be required to time stamp all mutual fund orders, annually certify to the transfer agent compliance with the requirements of revised Rule 22c-1, and be identified in the fund's registration statement.
We agree that the Proposed Rule should contain an emergency exception for intermediaries provided that the chief executive officer of the intermediary certifies (i) the nature, existence and duration of the emergency, and (ii) that the intermediary received the orders before the applicable time. We believe that if those procedural protections are satisfied, there is no reason why the emergency exception must be limited to emergencies that are the result of, for example, natural disasters that are external occurrences, as opposed to those that result from internal operational difficulties due to a intermediary's computer system failures. Investors who place their orders prior to Market Close should not be deprived of that day's current price as a result of events beyond the control of the investor, an intermediary or a fund. The certification requirements should serve to provide sufficient documentation to support processing of these trades and ensure that this exception will not be subject to abuse.
Schwab wholeheartedly supports the Commission's goal to prevent unlawful trading of mutual fund shares, and to assure continued effective oversight of intermediaries and funds. With the comments above, we support the proposals to amend Rule 22c-1 of the Investment Company Act. We encourage the Commission to adopt the alternative proposal set forth in the Proposing Release, or, in the alternative, adopt some of the enhancements to the Rule as proposed. If you have questions about this letter, please contact the undersigned at (415) 667-3461 or at email@example.com.
Koji E. Felton
cc: Paul F. Roye


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OTTAWA (Reuters) - The Bank of Canada is looking for a new boss with "the courage to take a stand" as it seeks to replace Governor Mark Carney, who is leaving to head the Bank of England.
But an advertisement for the position, published on Monday, made clear that Canada is not about to follow Britain in appointing a foreign citizen to head its central bank.
"A Canadian citizen, you have the demonstrated ability to exercise sound judgment in a highly complex environment, to manage competing priorities, and to rank strategic priorities," the ad said in addressing the hypothetical successful candidate.
"Your leadership style is characterized by a personal inclination to lead through persuasion, and you have the courage to take a stand to support principles and policies."
The "courage to take a stand" line was not in the central bank's last ad to hire a governor, published in 2007. It was not clear if the bank was referring to taking a stand against possible opposition from the public, the media, the government or other countries.
The Bank of Canada describes itself as having "considerable independence" from the federal government, compared with other federal institutions.
But the governor must consult regularly with the finance minister, and the government has the power to override Bank of Canada monetary policy.
This power was written into the Bank of Canada Act after a public clash in 1961 between the Conservative government of the day and then-Governor James Coyne over fiscal and monetary policy led to his resignation in what was dubbed the Coyne Affair.
The government has never exercised that power since the clause was put into the Bank of Canada Act.
Carney was named on November 26 last year as the surprise choice to run the Bank of England, effective July 1. The Bank of England has said Carney, who has headed the Bank of Canada since 2008, would be seeking British citizenship.
Senior Deputy Governor Tiff Macklem is widely seen as the front-runner to replace Carney, and the help-wanted ad said the next governor must "have unquestioned technical competence in monetary policy."
The 2007 ad referred only to the need to have the professional credentials and reputation of an economist; the emphasis on monetary policy may point to inside candidates.
Finance Minister Jim Flaherty said in December that continuity mattered, phrasing which supports a candidate like Macklem, but he also said that what really mattered was to have someone who would maintain solid monetary policy and control inflation.
Editing by Janet Guttsma, Theodore d'Afflisio and Marguerita Choy


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Give us a call to get our secret deals 1-800-293-2602
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Located in La Pine, Best Western Newberry Station is within a 15-minute drive of Quail Run Golf Course and La Pine State Park. This motel is 16.4 mi (26.5 km) from The Village and 17 mi (27.3 km) from Sunriver Homeowners Aquatic & Recreation Center.
Make yourself at home in one of the 60 air-conditioned guestrooms. Complimentary wireless Internet access keeps you connected, and cable programming is available for your entertainment. Conveniences include desks and coffee/tea makers, and housekeeping is provided daily.
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A complimentary full breakfast is included.
Business, Other Amenities
Featured amenities include complimentary wired Internet access, a business center, and a 24-hour front desk. Free self parking is available onsite.


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A U.S.-based web service, which Islam critic and Dutch right-wing lawmaker Geert Wilders planned to use to show his film critical of the Koran, said on Saturday that it had inactivated the site due to complaints.
"This site has been suspended while Network Solutions is investigating whether the site's content is in violation of the Network Solutions Acceptable Use Policy," the company said on the site www.fitnathemovie.com.
Wilders, who has given few details about his 15-minute film, has said he plans to release "Fitna" on the Internet before the end of the month after Dutch broadcasters declined to show it. Fitna is a Koranic term sometimes translated as "strife".
check the full news here


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The Legend of Zelda: March of the Iron Army
Hero of the Goddess
Age: 45
Race: Hylian
Class: Fighter
Level: 24
Like Zelda, Link was born in Skyloft. He was orphaned when he was very young, so Zelda and her father took him in, and the two of them attended the Academy together. When Link's graduation came up, Zelda was chosen to stand in for the Goddess Hylia in the ceremony. Unknown to everyone, Zelda was in fact the reincarnation of Hylia, the deity that defeated Demise 1000 years ago and sent her followers to live in the sky. While Link and Zelda were flying around the sky, the two were assaulted and Zelda taken below the clouds.
Link took the tunic and hat of his graduating year—forest green—and pursued Zelda through the surface world with the help of Fi, a sentient computer-spirit who resided in the sword of the Goddess. Link discovered the Triforce and used it to destroy Demise, freeing Hyrule from his tyranny but contracting an eternal curse in the process.
Zelda and Link were wed and beings from all across the realm came to settle in the land that had once been Hylia's domain. As Zelda grew in wisdom and influence, she eventually—though hesitantly—acquiesced to taking the rank and title of Queen of the realm. The realm was Christened 'Hyrule': rule by the goddess Hylia.
Link, having little interest in politics, instead founded a ground-based Knight's Academy where he taught students from all over the world, including his and Zelda's daughter Aryll. But with the influx of people who would soon call Hyrule their home came an influx of stories—stories of monsters in distant lands, demons and sorcerers tormenting the populace. Link and Aryll took leave of their regal mother and set off to adventure across the world. They fought monsters and unearthed treasures along the way—and then they vanished.
It wasn't until months later, when Zelda sent the party on an expedition to the northern mountains of Calatia, that Link was found. Frozen in a great iceberg by the monster Frostare, along side his daughter, Link was freed from the ice only to be struck down by the blade of General Onox moments later, as the party—and his daughter—looked on.


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Jacques La Merde is the social media alias name of chef Christine Flynn that puts together junk food creations presented as upscale meals and posts them onto her Instagram account. The meals transform the cheaply priced and high sugar content foods into gourmet food fusions that look as though they might cost triple the price at a luxurious restaurant. At a second glance, the viewer quickly realizes that the meals are made with packaged foods such as candy, cereal and cookies.
Flynn's colorful Instagram persona translates to "Jack the Sh*t" which fits in well with the surrealist junk food meals she creates that are arranged using an array of mixed-matched ingredients. The presentation speaks to how foods can be arranged using artistic preference over the traditional way of using taste.
Artistic Junk Food Creations
More Stats +/-
Vehicle Trunk Kitchen Equipment
Fake Food Photography
Simplified Ingredient Labels
Locally Sourced Pork Products
Artistic Cheese Charts
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Jacques La Merde's Images Converts Packaged Food into Upscale Meals
- By: Misel SabanJun 18, 2016
References: instagram & mentalfloss
References: instagram & mentalfloss


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Assault at Humboldt State University; Loaded Gun Magazine Left at the Scene
At approximately 4:30 p.m. an assault occurred in Pepperwood Hall on the Humboldt State University Campus. According to information heard over the scanner, there was a broken window on the second floor and a gun magazine with possible .223 ballistic tipped ammunition was found at the scene.
The University Police are investigating the assault. According to a report on the HSU webpage for emergencies, no one was injured and the suspect is at large after fleeing in a white Honda.
According to a press release, "Police believe there is NO continuing threat on campus. However, out of an abundance of caution, they are conducting additional patrols this evening, with a focus on the residence halls…Anyone with information is asked to call University Police at 826-5555."
We were briefly able to talk to Chief Donn Peterson. He would not confirm any details stating this was an active investigation. However, he said, "We've got a lot of personnel dedicated to this now. We will stay active as long as it takes."


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Free mind mapping application for your Mac
Enables you to fill out pdf files on your computer.
Time tracking and billing application for freelancers
A coding assistant for the International Classification of Diseases.
A multiplatform Electronic Medical Record manager
Makes it easy to organize, track, and manage all your project details
The calendar you'll actually enjoy using.
Create screenshot-attached Basecamp messages and to-dos in one step
A checking, savings, and credit card account management application.
A financial tutor that will help your learn business success
Order-taking and point-of-sale system for florists.
Simple Mac menu bar extension that helps you focus on one thing at a time
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Database administration tool for Firebird DBMS
An AIR-based application for creating to-do lists
A free and full screen flip clock with decent graphics
An AIR-based application that helps you monitor the stock market's trends
Meets all your Forex needs in a small and customizable interface.
Have the Chile holidays in your iCal.
A fully-searchable database for keeping health, management, and breeding records of sheep.
A simple contact management application
Open source toolkit for physical computing
To-do list manager, Mail/Quicksilver integration
Create databases and easily sync them to your iPhone.
A way to get your to-dos into your calendar/mail to-do list quickly
A great iCal calendar featuring the 2009 Formula 1 events.
Pricing guide for stock and assignment photography
An AIR-based application that offers you the possibility to visualize and to compare different...
A simple iCal calendar featuring Chile events.
Improves fax transmission and quality.
F!Watch monitors AVM's FRITZ!Box Phone [7050] DSL/VOIP devices and brings call histories right...
FaxGear - Fax server/client solution
A learning solution designed to help you master financial forecasting practices.
An interactive app that helps you understand more about fraud prevention
Formulate - Overlay text on top of a PDF file.
Allows an office dispatcher to send out electronic work order requests.
Displays timers for multiple projects in the same window, so that you can easily switch among...
Free and open source mind mapping application for your Mac
Great FileMaker template focused on small businesses, work groups, and non-profit organizations
FlowSpace Workflow Developer is a graphical environment for creating and managing workflow...
FMSync provides sychronization between FileMaker Pro and the Palm application JFile
A cocoa application that gives you the possibility to start as many timers as you like
Update your FinKit X tables
FmPro Layout Diff extracts and compares field info from FileMaker 7/8/8.5 layouts
Finanzen is an easy to use and very clearly arranged cash ledger with multiple accounts
Easily fax your documents from your computer.
Allows you to create an animated slideshow using your favorite photos and movies
Finds and displays all invalid fields in the Address Book
A great optical mark recognition application
An open source Web Office that will help you to collaborate with your team seamlessly