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Should we feel sorry for our grandchildren who will have to repay the massive debts we have been building up? Probably not but we should feel sorry for our grandchildren who will have to survive on mineral and energy resources which are difficult to extract.
Debts can suffer fatalities from three causes: bankruptcy, inflation or government haircuts. Considering current economic conditions there is some possibility the current debt load will be written off before our grandchildren even understand the word. If and when this happens there will be considerable economic turmoil.
I believe economies should be analysed first and mostly in physical terms rather than money terms. This way we can see some underlying trends and problems which can easily be hidden behind financial terms.
Currently we are probably dealing with problems in both sides of the economy. We have used up the most easily accessible energy and mineral resources and the marginal cost of accessing what is left is going up. At the same time the fraction reserve way of creating money in which interest is charged on the money supply is a Ponzi scheme which frequently breaks down. Financial crises have long been a feature of our economy.
If one analyses the economy only in phyiscal terms we are not living beyond our means as we produce everything we consume. In this respect there can be no borrowing from the future. What we are doing is using resources which won't be available to our grandchildren at a reasonable cost.
A major financial collapse will have a devastating effect on our exchange of goods and services. It is quite likely our grandchildren will have to pick up the pieces from a financial collapse. What is more certain is that they will have to cope with our having used up the most easily accessibe energy and mineral resources. There will be lots left for them but these resources will require a lot of energy to extract. That will be enough of a burden to impose upon them.
If you liked this post your are invited to comment, press the like button and/or click one of the share buttons. If you disagree you are invited to say why in a comment. While I like the idea of sharing this platform, my personality is such that I don't reply to many comments.
Filed under: Economics | Tagged: debts, Economics, energy, energy and mineral resources, energy resources, financial collapse, fractional reserve, grandchildren, mineral resources, minerals, Ponzi, resources | 1 Comment »


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for user group - registered users post will be under moderation first.
i have set permissions to post reply to topics. however after user click on post reply, nothing happens as it does not load the message box for user to input their content.
i set the setting in the main group but still not inherited

subset: commoncrawl


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A few months ago I took our two older kids to the movie, Marley and Me and left our two year old boy home with his Dad. For those of you who are not familiar with the movie, it's basically a comedy about the life of an extremely rambunctious dog living with his human family. As I sat in that theater watching Marley the dog get into trouble time and time again, I realized that, oh my gosh! I had a human version of Marley waiting for me at home!
I am constantly sweeping up piles of cheerios, and I now know where to look for my cell phone if it is lost. I also know that if the washing machine didn't eat the missing socks, to look for them in the window valances. They will most likely be there. I wasn't prepared for Marley's latest though…Who would be??
It all started with a guppy fish. Our oldest earned a fish for reading a certain amount of books, gathering points. With the points, prizes could be bought. Fish were among the prize choices. Despite my pleading not to bring a fish home until we got back from our two day trip, and until we got the fish tank ready, the fish still came home. Luckily, Dad had to stay home to work, so he was able to watch the fish.
The fish came home in a water bottle. Since the fish tank wasn't going to be ready until we got back, and after visiting the pet store, all that could be done was to set out a bowl of water and let it sit for a good 24 hours before it was ready for the fish to be in it. The lid was taken off of the bottle to let oxygen in.
When we got home from our trip, the bowl of water was ready for the fish but the fish was still in the water bottle. As "Marley's" dad and I stood in the kitchen talking, Marley snacked away from a box of cereal. After a while of talking, we realized that the fish and it's water were no longer in the bottle. Panic time! All I visioned at that point was our oldest child's monster tears running down her face because her beloved, hard earned fish went missing, and was possibly dead.
We had a few crazy moments with rushing around the kitchen yelling, "where's the fish?" "WHERE'S THE FISH!!!" Marley stood there, calmly eating from his box of cereal saying, "dish, dish". I don't know what I was thinking, grilling a child with very limited language about where the fish was, as if he was going to miraculously break into complete descriptive speech and tell me where it was.
You would think that if the bottle was poured out, there would be a telltale puddle of water with a poor fish flopping around somewhere. We had no such luck. I then had a horrible moment when I felt something roll beneath my sandal. I thought for sure that the fish was a goner. Thankfully it was just a piece of gravel that made it's way into the house. Then my brightest idea of the moment… Maybe if I took my sandals off, the chances of that fish surviving as it squished between my toes, if I happened to step on it, would be better. Smart!
Still, at this time, there was no sign of a fish, or it's water. We stood there utterly bewildered. How could the fish and the water vanish completely without a trace? That's when Marley's Dad grabbed the cereal box from the boy's hands and proceeded to dump the mushy contents onto the counter. There was the poor fish, clinging to life.
My final bright moment of the event was to quickly fill a bowl full of water from the filtered water pitcher. The chlorinated tap water would surly finish the fish off. I didn't expect the pitcher to be empty except for maybe a 1/4 cup of water. As we stood and watched the fish struggle in very little water (really smart), we remembered that there was a nice big bowl of water all ready for it.
As I write this, the fish is still alive and is in the now prepared fish tank. It looks as if it is still struggling, and we are in complete amazement that it survived this far. I am also in complete amazement with how much trouble our little guy gets into. The things that he thinks of doing! I thought that I had seen it all after the VCR incident, but now I'm in the defensive mode, constantly waiting, and wondering… What's next, Marley?


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Judge rules there was no evidence of wrongdoing
U.S. District Judge Philip S. Gutierrez has determined Porsche was not at fault for the accident which killed Paul Walker and Roger Rodas in 2013.
The suit was filed by Rodas' wife, Kristine, who claimed her husband was killed because the Carrera GT he was driving lacked several key safety features including a "crash cage" and fuel cell. The lawsuit also claimed the car's suspension failed before the fatal crash.
In his ruling, Gutierrez said there was not enough evidence to determine whether not or the car lacked proper safety components. The judge also said there was no evidence that the Carrera GT's suspension failed before the crash. As the judge explained, "[The] plaintiff has provided no competent evidence that Rodas' death occurred as a result of any wrongdoing on the part of [the] defendant."
Rodas intends to appeal the decision and Porsche is still facing two other lawsuits from Paul Walker's father and daughter. In the latter lawsuit, Porsche has said the Carrera GT Walker was riding in was improperly maintained and altered and those factors contributed to the crash.
Despite the claims against Porsche, the Los Angeles County Sheriff's Department and California Highway Patrol have already concluded that crash was a result of excessive speeding and Roger Rodas' poor judgment. The autopsy report on Walker indicated he traveling at speeds in excess of 100 miles per hour when he crashed but Los Angeles County Sheriff's Department puts that number at 93 mph.
Source: The Detroit News


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Mastering Paper for iOS: drawing skies and clouds
Paper by FiftyThree makes painting realistic skies and clouds a breeze. If you had fun drawing trees, just wait until you fluff out happy clouds that would make Bob Ross proud. Honestly, with just a few washes of watercolor and strokes of pencil, you'll have an instant masterpiece. Here…let me show you how.
Blue skies fade
Let's start with the easier of the two, a nice bright blue sky. One of the more important steps is choosing a blue to paint with. The hue…the saturation…and the brightness all play a role in the overall emotion of the piece. I tend to mix in a swirl of green and keep it slightly over saturated to contrast against skin tones as seen in my many PaperFaces portraits. If you're going for doom and gloom, back off the blue and mix in gray instead to set the foundation for an overcast sky.
With the base sky color mixed, select the pencil tool and draw a line across the screen to represent the horizon. This step isn't always necessary, so if you're a pro and don't need the help of a guide feel free to move on.
Watercolor base coat
Prep work complete, now you can start the actual painting of the sky. What you're trying to accomplish with this step is a smooth coat that gradually fades to white as you approach the horizon line. The easiest way to do this is with the watercolor brush, starting from the top of the composition, working down in a slight zig zag pattern.
When painting, do not lift the stylus or your finger from the screen until you finish this first coat. The trick is to move very slow near the top, and progressively speed up the zig zag pattern as you approach the horizon line. Depending on how gradual of a fade you want in the sky, multiple coats may be required. Follow the same pattern from before to keep everything looking smooth.
Painting puffy clouds
Now comes my favorite part, painting happy clouds ala Bob Ross1. Sticking with the watercolor brush, we're going to fluff a few clouds in using short circular strokes. If you have a Pogo Connect Smart Pen, you can control the amount of background lightening easier. But if you don't, just focus on making quick strokes — the faster the better.
ProTip: go easy on the white
White lightens quickly and you don't want to remove too much blue at once, so be careful with this step. If you remove too much, just rewind and try again.
With the clouds shaped and looking like clumps of cotton, it's time to add a few wispy cirrus clouds and clean the edges up. Again, a Pogo Connect Smart Pen comes in handy, allowing you to work lightly and gradually. Finger painters and normal stylus creators fear not, quick strokes can achieve the same results.
No need to overdo it with the wisps, just a few light crosshatches is all that's needed. For those longer streaky clouds your pencil strokes should be longer and more horizontal. I usually stick with just a pencil to create these wisp textures, but if you're feeling adventurous a light touch of white watercolor can be used to finish them off.
Don't be afraid to go back into the clouds with the blue color we initially painted the sky with. The same "streaky" pencil pattern used to draw wisps (see above) can be used to add subtle cloud shadows. I often flip flop between blue and white to get the detail just right.
Sunsets and fire skies
To paint a sunset, I use the same exact techniques and process. The only difference is the addition of three to four colors to create all the sunset fades and multi-colored clouds.
Fiery red skies and silhouetted foreground subjects look super dramatic, so that's what I'm going to demonstrate in the following steps. Remember, color is extremely subjective, I'm merely showing a few examples to get you started. Feel free to experiment and vary them up — there is no right or wrong here.
We'll start by mixing orange into red and then draw a light line at the sky's horizon to act as our guide. Select the watercolor brush and apply paint from the horizon line up — in the opposite direction from before. Remember the zig zag pattern we used earlier to paint a blue sky? Good. Because it's going to come in handy here.
Just like the blue sky from before, paint slowly from left to right, slightly overlapping the row before without lifting your pen or finger. As you approach the top of the sky move faster to fade the color into the background.
Gradations of color
A few coats to build up the sky into a smooth gradation of color may be necessary. What you're looking for is a darker red at the horizon, that gradually fades into the background about halfway up from the top. I fade the red around halfway to leave room to fade a dark blue-violet down from the top in this next step.
After you're satisfied with the red coat, mix a dull and dark blue gray to paint the other half of the sunset. Use the same zig zag painting pattern, only this time start in the upper left corner and work your way down. As you approach the faded red, paint faster to fade into the background just before it, leaving about an inch of background between.
You could leave the sunset washes as is and proceed to drawing clouds, but if you want to add even more drama to the sunset, apply a thin wash of yellow. I like to mix a creamy color like so:
And paint a light coat over the red, background area in the middle, and gradually fade into the blue.
ProTip: speed matters
Paint faster as you approach the blue wash to avoid turning it into a green color. Yellow and blue make…
Sunset clouds
To add clouds to our sunset let's start by mixing a red into white. You want a pink color that has just enough white in it to lighten while you paint — some trial and error may be necessary to get the mix right. Once you successfully mixed a pink, fluff in a few clouds using short circular strokes (same technique used in the blue sky).
Giving these clouds depth and dimension can be achieved by adding a little more red to the mix. You're looking to add just enough to make the color translucent instead of opaque. A few strokes is all that's needed when applying red tinted shadows to the clouds.
ProTip: find the right mix
If you don't add enough red to the color mix, the watercolor brush will lighten the cloud instead of darkening it.
A pencil filled with a pinkish red is also perfect for refining clouds edges or drawing in long wispy clouds.
An added benefit of painting a sunset, is how it reacts with objects that are placed in silhouette. You can draw or paint almost anything and fill it with a dark color to add drama to your creation. The outline of a figure in the foreground, hills and mountain tops, or a half circle at the horizon to represent an eclipsed sun are all appropriate choices.
Variations on a theme
Using all of these techniques I was able to create a variety of backdrops for the portraits in my PaperFaces Project. Below are a few finished skies and clouds to show what is possible just by varying the color and composition.
Next up — the perfect landscape compliment to happy trees and clouds, crashing waves and water.
Watching Bob Ross paint on his PBS show, The Joy of Painting was a huge influence on me during my high school years. Many of the techniques I use to paint with Paper by 53 have been adapted from him. RIP in you silly son of a gun. ↩
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A sense of the infinite, Hilary T. Smith
It's senior year of high school, and Annabeth is ready—ready for everything she and her best friend, Noe, have been planning and dreaming. But there are some things Annabeth isn't prepared for, like the constant presence of Noe's new boyfriend. Like how her relationship with her mom is wearing and fraying. And like the way the secret she's been keeping hidden deep inside her for years has started clawing at her insides, making it hard to eat or even breathe. But most especially, she isn't prepared to lose Noe.
For years, Noe has anchored Annabeth and set their joint path. Now Noe is drifting in another direction, making new plans and dreams that don't involve Annabeth. Without Noe's constant companionship, Annabeth's world begins to crumble. But as a chain of events pulls Annabeth further and further away from Noe, she finds herself closer and closer to discovering who she's really meant to be—with her best friend or without.(Goodreads)
First lines: On the first day of Noe, the raspberries are always ripe. The sprinkler makes a gentle phut-phut-phut in the backyard, spraying misty rainbows over the grass. When I hear Noe's footsteps on the gravel, I get up from the computer and the rush down the stairs.
Etherworld, Claudia Gabel and Cheryl Klam
Elusion was hailed as an exciting leap in technology—until users began to disappear amid rumors of addiction. Regan's search for the truth led her and her new love interest, Josh, to Etherworld. Etherworld is a dimension hidden deep beyond Elusion's firewall, where players can hide, and ultimately fight back. Regan's father and others are here working to destroy Etherworld, but the longer they stay the less likely they'll be able to return to the real world alive. Escape means attacking Elusion from within the program. It's dangerous and it's a puzzle. And even if they manage it, how will they be able to stop Orexis from distributing Elusion to the masses when the people who run it are corrupt? (Goodreads)
First lines: HOTTEST APP IN AMERICA APPROVED BY CNTER FOR INTERFACE TECHNOLOGIES.
Elusion slated for National Release by the end of April.
Tech giant Orexis announced today that its most popular product to date, Elusion, has received the Centre for Interface Technologies seal of approval, granting the company permission to sell the app on the US open market.
Ink and bone, Rachel Caine
Ruthless and supremely powerful, the Great Library is now a presence in every major city, governing the flow of knowledge to the masses. Alchemy allows the Library to deliver the content of the greatest works of history instantly—but the personal ownership of books is expressly forbidden. Jess Brightwell believes in the value of the Library, but the majority of his knowledge comes from illegal books obtained by his family, who are involved in the thriving black market. Jess has been sent to be his family's spy, but his loyalties are tested in the final months of his training to enter the Library's service. When he inadvertently commits heresy by creating a device that could change the world, Jess discovers that those who control the Great Library believe that knowledge is more valuable than any human life—and soon both heretics and books will burn.…
First lines: From the scribe of Pharaoh Ptolemy II, to his most excellent servant Callimachus, Archivist of the Great Library, in the third year of his glorious reign:
Great King Ptolemy, Light of Egypt, has considered your counsel to make copies of the most important works of the Library to be houses in daughter libraries, hereinafter to be called Serapeum, for the access and enrichment of all men. Pharaoh, who as wise as the Nile in his divine wisdom, agrees to this proposal.
Sweet, Emmy Laybourne
*People would kill to be thin.*
Solu's luxurious celebrity-filled "Cruise to Lose" is billed as "the biggest cruise since the Titanic," and if the new diet sweetener works as promised—dropping five percent of a person's body weight in just days—it really could be the answer to the world's obesity problem. But Laurel is starting to regret accepting her friend Viv's invitation. She's already completely embarrassed herself in front of celebrity host, Tom Forelli (otherwise known as the hottest guy ever!) and she's too seasick to even try the sweetener. And that's before Viv and all the other passengers start acting really strange.
*But will they die for it, too?*
Tom Forelli knows that he should be grateful for this job and the opportunity to shed his childhood "Baby Tom-Tom" image. His publicists have even set up a 'romance' with a sexy reality star. But as things on the ship start to get a bit wild, he finds himself drawn to a different girl. And when his celebrity hosting gig turns into an expose on the shocking side effects of Solu, it's Laurel that he's determined to save. (Goodreads)
First lines: A guy wearing skinny jeans and a neon-blue fedora is leaping into the air, vaulting up onto the backs of the people in the crowd, waving like crazy and shouting, "Baby Tom-Tom! Baby Tom-Tom!" like a man on fire calling for a bucket. The dock is a zoo.
Denton Little's death date, Lance Rubin
Denton Little's Deathdate takes place in a world exactly like our own except that everyone knows the day they will die. For 17-year-old Denton Little, that's tomorrow, the day of his senior prom. Despite his early deathdate, Denton has always wanted to live a normal life, but his final days are filled with dramatic firsts. First hangover. First sex. First love triangle (as the first sex seems to have happened not with his adoring girlfriend, but with his best friend's hostile sister. Though he's not totally sure. See: first hangover.) His anxiety builds when he discovers a strange purple rash making its way up his body. Is this what will kill him? And then a strange man shows up at his funeral, claiming to have known Denton's long-deceased mother, and warning him to beware of suspicious government characters…. Suddenly Denton's life is filled with mysterious questions and precious little time to find the answers.
First lines: I don't think this is my bed. It's hard to know for sure, as my head is in excruciating pain, but there's something about this bed that doesn't feel like me. It's got extra fluff. This is disappointing. I had a very clear vision for how my funeral would start, and it involved waking up in my own bed.
The eternal city, Paula Morris
Laura Martin is visiting Rome on a class trip, and she's entranced by the majestic Colosseum, the Trevi Fountain, the Pantheon. . . . Everything in this city seems magical.
That is, until the magic seems to turn very dark. Suddenly, statues of Cupid and ancient works of art come to life before her eyes. Earthquakes rumble and a cloud of ash forms in the sky. A dark-eyed boy with wings on his heels appears and gives her a message. Laura soon realizes she is at the center of a brewing battle — a battle between the gods and goddesses, one that will shake modern-day Rome to its core. Only she and her group of friends can truly unravel the mystery behind what is happening. As tensions mount and secret identities are revealed, Laura must rely on her own inner strength to face up to what may be a fight for her life.(Goodreads)
First lines: When the volcano first began to rumble, the birds of Rome could sense it. Seagulls swooped inland from the Mediterranean coast, shrieking their warning. The peacocks strutting around the Villa Borghese zoo pointed their beaks at the cloudless June sky and cawed, loud and insistent. The hooded crows, in their sleek livery of black and gray, rallied on the tile rooftops and crumbling walls to conspire and confer.
When reason breaks, Cindy L. Rodriguez
A Goth girl with an attitude problem, Elizabeth Davis must learn to control her anger before it destroys her. Emily Delgado appears to be a smart, sweet girl, with a normal life, but as depression clutches at her, she struggles to feel normal. Both girls are in Ms. Diaz's English class, where they connect to the words of Emily Dickinson. Both are hovering on the edge of an emotional precipice. One of them will attempt suicide. And with Dickinson's poetry as their guide, both girls must conquer their personal demons to ever be happy.(Goodreads)
First lines: She lies on the hard ground, breathes deeply, and waits for death to come. She isn't afraid, but anxiety gnaws at her. Will this take long? Is it going to hurt? What's on the other side? Anything? Will anyone miss me? Or will they be relieved that the miserable girl who screwed everything up is gone?
Dreamfire, Kit Alloway
Joshlyn Weaver has always lived with a big secret. Ordinary kids spend their free time going to the movies, hanging out with friends, and searching on the internet. But for her, an evening at home usually means entering people's dreams. For many generations, her family has been part of a very powerful and very secretive society of dream walkers. Tasked with the responsibility of lowering the world's general anxiety — which only leads to war and strife in the waking world — their job has always been to stop nightmares before they go too far.
By stopping nightmares while sleeping, they help to stop nightmares in real life. But when an ancient feud within the dream walker society resurfaces right when a seemingly unconnected series of very strange and very scary events start occurring during her dream walks, Josh finds herself in a race against time. The one true dream walker has never been known. Could she be the one?(Goodreads)
First lines: The sewer wasn't the worst place for a nightmare, Josh Weaver admitted to herself as she fumbled with the boxy, rose-gold lighter in her hand. But it was hardly a warm afternoon in the park, either.
The lie tree, Francis Hardinge
The leaves were cold and slightly clammy. There was no mistaking them. She had seen their likeness painstakingly sketched in her father's journal. This was his greatest secret, his treasure and his undoing. The Tree of Lies. Now it was hers, and the journey he had never finished stretched out before her. When Faith's father is found dead under mysterious circumstances, she is determined to untangle the truth from the lies. Searching through his belongings for clues she discovers a strange tree. A tree that feeds off whispered lies and bears fruit that reveals hidden secrets. The bigger the lie, and the more people who believe it, the bigger the truth that is uncovered. But as Faith's untruths spread like wildfire across her small island community, she discovers that sometimes a single lie is more potent than any truth.(Goodreads)
First lines: The boat moved with a nauseous, relentless rhythm, like someone chewing on a rotten tooth. The islands just visible through the mist also looked like teeth, Faith decided. Not fine, clean Dover teeth, but jaded, broken teeth, jutting crookedly amid the wash of the choppy grey sea. The mailboat chugged its dogged way through the waves, greasing the sky with smoke.
Nimona, Noelle Stevenson (graphic novel)
Nimona is an impulsive young shapeshifter with a knack for villainy. Lord Ballister Blackheart is a villain with a vendetta. As sidekick and supervillain, Nimona and Lord Blackheart are about to wreak some serious havoc. Their mission: prove to the kingdom that Sir Ambrosius Goldenloin and his buddies at the Institution of Law Enforcement and Heroics aren't the heroes everyone thinks they are. But as small acts of mischief escalate into a vicious battle, Lord Blackheart realizes that Nimona's powers are as murky and mysterious as her past. And her unpredictable wild side might be more dangerous than he is willing to admit.
The cost of all things, Maggie Lehrman
What would you pay to cure your heartbreak? Banish your sadness? Transform your looks? The right spell can fix anything…. When Ari's boyfriend Win dies, she gets a spell to erase all memory of him. But spells come at a cost, and this one sets off a chain of events that reveal the hidden—and sometimes dangerous—connections between Ari, her friends, and the boyfriend she can no longer remember.
First lines: There's a hekamist who lives in the run-down cluster of houses behind the high school. Everyone knows that. Lots of people have gotten spells from her over the years- study cheats and beauty touch-ups and good luck auras. Not me. The only spell I've ever taken, nearly ten years ago, was made for me by a hekamist in Boston.


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WORCESTER, Mass. - The Worcester State University football team continues to seek its first win of the season after suffering a 12-10 loss to Becker College Friday evening in non-conference action at John F. Coughlin Memorial Field.
With the loss, Worcester State drops to 0-2 on the season, while Becker improves to 2-0.
Becker drew first blood at the 4:22 mark of the first quarter when Taizon Barrett punched one in from six yards out to cap a 12-play, 86-yard drive. The snap was muffed on the extra point try however, and Becker took a 6-0 lead.
Worcester State would cut the lead in half midway through the second quarter, when Aaron-Moses Williams nailed a field goal from 39 yards out to cut the lead to 6-3. The score held up as the halftime score, as the Lancers trailed by just one possession at the break.
Neither team would score again until Becker scored a vital touchdown for some insurance with under five minutes to play. Randy Morgan got one across the goal-line on fourth and goal from inside the one to put the dagger into Worcester State and give the guests a 12-3 lead after a missed extra point.
The Lancers responded with their first touchdown of the season on the ensuing possession, as freshman Cam Kergo (Mashpee, Mass.) pulled in a 12-yard touchdown reception with 2:04 remaining to make things interesting. Trailing by just a score of 12-10, Worcester State was unable to haul in the resulting onside kick, and the Hawks ran out the clock to earn their second consecutive victory.
Becker's run game proved to be the difference maker in the contest, as the Hawks rushed the ball 66 times while attempting just seven passes. Becker's leading rusher on the night was Morgan, who finished with 105 yards and a touchdown on 22 carries.
Nick Ashley (Worcester, Mass.) led the Lancers defensively for the second consecutive week, recording 15 tackles in the defeat. Junior Danny George (Leicester, Mass.) finished just behind Ashley with 13 tackles. Williams was sharp for Worcester State through the air, completing 19 of his 33 attempts for 199 yards and a touchdown.
Worcester State will open conference play next Saturday with a road trip to Plymouth State on September 21. Kickoff from New Hampshire is set for 1:00 p.m.


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The Jakarta Post
BULELENG: Eight residents of the predominantly Muslim village, Kampung Bugis, suffered from skin irritation after coming into contact with the rove beetle (Paederus littoralis), locally known as Tomcat.
The cases were the first reported case of rove beetle infestation on the resort island. The Tomcat plague had affected several areas in East Java.
The first contact took place on Thursday involving a local resident, Sumiati, 41, who developed a burning rash on her face. She recalled that she had just swatted a tiny insect that landed on her face.
"I have reported the cases to the local health agency and veterinary office," Kampung Bugis neighborhood chief Subagiyono said.
Buleleng Health Agency chief Made Sukarmini said medical personnel had been sent to the village to treat the victims.
The beetle's circulatory system contains a potent and highly...


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13/06/2014 Minister Deenihan launches Yeats 2015 at 3rd annual Yeats Day
Friday, 13th June, 2014: Jimmy Deenihan TD, Minister for Arts, Heritage and the Gaeltacht, today formally launched Yeats 2015 on the third annual Yeats Day in Sligo. Yeats 2015 will be a yearlong national and international celebration of the life and works of Noble Prize winning Poet William Butler Yeats. It will mark 150 years since his birth on June 13th 1865.
The celebrations will be rooted in Sligo – Yeats' 'spiritual home' – and connect throughout Ireland. The celebrations are intended to draw people to Ireland to begin to understand what inspired Yeats and to share that experience. It is intended that institutions and organisations from around Ireland and the world will partner with Yeats 2015 and offer a diverse and rewarding series of events to acknowledge and celebrate the range and depth of his work and that of his family.
Yeats 2015 partners will span the literary, cultural, historical and academic worlds. It is envisaged that through an engaging, celebratory and cultural programme, Yeats 2015 will showcase Ireland as a dynamic, inspiring and creative place.
Speaking at the launch in City Hall, Sligo, Minister Deenihan said:
"Yeats Day is designed to provide a schedule of events to embrace places and spaces in Sligo that were dear to WB Yeats. It has proven to be a great success and I am sure it will be again this year. Yeats' great love was not just for Sligo, but for Ireland – its stories, folklore, history and above all place – and so the Yeats 2015 programme will reflect this by celebrating Yeats and his legacy throughout Ireland. I would like to commend Senator Susan O'Keeffe and her National Steering Committee for their work to date on Yeats 2015 and I look forward to attending as many of the programme of events as possible and I urge all of you to do likewise."


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Reading Rant
13th November 2016
For my first reading rant I am going to write about my last book I read and it is called NED KELLY'S SECRET and the author is Sophie Masson.
In the story Ned is the second main author and the main other is a boy called Hugo and he was traveling in Victoria. He was with his Dad and they are from England and Hugo's Dad is writing a book about the gold rush. When they first got to Australia they got ambushed by Harry Powers and later down the track Hugo helped Ned's sister get out of trouble in a shop for touching something and that's how Ned and Hugo met. On one of the days they were there Hugo's dad went somewhere to learn about the gold rush and Hugo went for a ride and stopped to do something. Two of Ned's uncle's were going to do something with his horse but Hugo saw them and stood up to them and they started getting angry and then Ned saw them and settled his uncle's down. After that Ned's house was not that far away so Ned took him there and introduced Hugo to his family. Later on Hugo heard that Ned had gone to court and goal for ambushing a group of Chinese. A little while later Hugo went to see Ned in goal, he kept on bringing him food and Hugo eventually got the truth out of him. Ned did ambush the Chinese people and was Harry Powers off sider and at the start Ned was in the bush holding Harry's horse whilst he ambushed the Hugo's group. Whilst Ned was in goal Harry Power got caught and was hung for all of his charges for being a robber.
The book was about Ned's life but it was more fiction as it was a bit made up. The majority of it was real.
I really like the book but it could have been a bit better if it was a bit more realistic. What I also liked was that it flowed well and didn't jump steps so it was easy to follow. I also learnt a bit of history about Ned and how he lived.
My two favourite people in the book were Ned and Hugo because they were the main characters. I didn't like Ned's uncles because they were not honest and in the book it seemed like they were a bit dodgy.
I would recommend this book to people who like Australian history and adventure.


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Music creates a vibrant emotional connection that resonates deep in our psyche. Dynamic visuals complemented by music can tell deep emotional stories about your cause, mission and brand. We partner with musical artists, records labels, lifestyle and fashion brands to tap into this connection.
Music drives the creative idea that we draft in a treatment form with references and suggested locations. We execute the direction, production, casting, equipment, locations, travel and permissions for an efficient shoot. Through post production the edit and animation of the final video builds on the music bed for a dynamic video.


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R is a programming language and software environment used for statistical analysis, data modeling, graphical representation and reporting. R is best tool for software programmers, statisticians and data miners who looking forward for to easily manipulate and present data in compelling ways.
R was first created and developed by Ross Ihaka and Robert Gentleman in the University of Auckland New Zealand in 1993. And now "R Development Core Team" is developing it.
Required Knowledge
The good understanding of any other programming languages will help you to understanding the R programming concepts quickly.


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Article Tools
Central Asia as a Region of the Future for the Austrian Export Business
Published: April 6, 2011; 06:30 · (Vindobona)
The Austrian Federal Economic Chamber (WKÖ) sees excellent delivery and investment opportunities for the domestic economy in Central Asia.
Central Asia as a Region of the Future for the Austrian Export Business / Picture: © Wikimedia Commons / NOAA [Public Domain]This article includes a total of 199 words.
Central Asia grows gradually more important for the Austrian export business. Resource-rich countries such as Kazakhstan and Turkmenistan are part of this region of the future, as well as the states of Uzbekistan, Kyrgyzstan and Tajikistan, which offer interesting opportunities in specific niches. An important step for the support of Austrian companies in this region was the opening of…
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- The first magic number.
- In Astrology, Taurus is the second sign of the Zodiac.
- In Finland, two candles are lit on Independence Day.
- Putting them on the windowsill invokes the symbolical meaning of division, and thus independence.
- In Jewish law, the testimony of two witnesses are required to verify and validate events, such as marriage, divorce, and a crime that warrants capital punishment
- A binary star is a stellar system consisting of two stars orbiting around their center of mass.
And now onto my SECOND favorite reason for this week....
That is right ladies and gentleman. It is shark week. Why does that fascinate me? I don't know. But I love it. Last year I watched a documentary on Black December and I will forever be hooked on shark week. It is slightly terrifying and super interesting. If shark week plays anything on Black December this year, watch it. It is NUTS. So now, I am a shark week lover.
Wedding. Shark week. Best week ever. Two days.


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The old saying goes, "Girls are made of sugar, and spice, and everything nice. Boys are made of snakes, and snails, and puppy dog tails." Natasha and Russell will get to enjoy sugar and snails, as this sweet couple is expecting twins! Natasha might just be the most stunning pregnant woman I've ever met. She's all belly and glowing from head to toe. It was awesome watching Russell smile at her, adoringly, rubbing her belly like a good luck charm. These lovebirds are coming up on seven years of marriage and decided to go back to Greenwell State Park, their wedding venue, for maternity photos. There just so happened to be chairs set up for someone else's wedding (too perfect, right?) and we took advantage of a trip down memory lane. What a fun session! Fortunately Natasha doesn't have long to go before her due date because I can't wait to meet her little peanuts!
2 thoughts on "Natasha's Baby Bump {Southern Maryland Photographer}"
Lindsay – you are so talented! These are beautiful.
[…] how I absolutely LOVE wee ones sessions! Today's session was twice as nice, with Russell and Natasha's twins. This pair was 100%, ridiculously and completely adorable. You can tell these two were best […]


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On November 11, 2018, six high school students from the Ute Mountain Ute Reservation in Towaoc, Colorado, screened their nine-minute documentary, Ute Mountain Tribal Park: Meditations, Blessings and Prayers, as part of Denver International Film Festival's Colorado Documentary Shorts Program. Following the program, the students were awarded a Special Jury Award by the Denver Film Academy.
The film is the result of educational efforts spearheaded by the Colorado Office of Film, Television and Media (COFTM) and the Colorado Film School (CFS). In May 2018, the Colorado Commission for Indian Affairs (CCIA) invited COFTM to tour the Ute Mountain Ute Reservation and discover possible ways to partner with the Tribe. While on site, COFTM met with Scott Baker, the Tribe's Director of Higher Education, and discovered many Ute Mountain Ute high school students are struggling to find drive in the classroom. In many cases, including arts education as part of the curriculum is a great way to motivate and inspire students.
COFTM reached out to colleagues at the CFS, and provided a grant for three instructors to conduct a two week workshop on the Ute Mountain Ute Reservation. During this time, students learned to use cameras, drones, how to edit and about the art of storytelling. Students had the opportunity to interview two of the Ute Mountain Ute elders and create a short film highlighting the history, preservation and tradition encapsulated by the Ute Mountain Tribal Park.
The Ute Mountain Tribal Park consists of 125,000 acres of majestic canyon country and desert landscapes dotted with cliff dwellings, artifacts and pictographs. The film explores a new generation of Utes tasked with finding a balance between the challenges of a rapidly changing world and the preservation of cultural identity.
The workshop was considered a success in that all six students remained engaged throughout the two week session, and made storytelling decisions to reflect their experiences both growing up on the Reservation and visiting the Tribal Park. COFTM, CFS and the Ute Mountain Ute Tribe intend to continue this relationship, creating distance learning opportunities for students throughout the school year, and establish an annual summer workshop on the Reservation.


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Steel with a profile
Mannstaedt GmbH
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Developing solutions for any requirement
We see ourselves as a provider of solutions. We take the ideas of our customers as a starting point and work closely with them to develop the perfect product. Our expertise is rooted in decades of experience in forming steel, and we offer an in-depth understanding of engineering, metallurgy, roller design, hot rolling and further processing. In the 2 to 180 kg/m product range, we supply solutions in response to seemingly impossible challenges. No other manufacturer of special profiles can rival the variety of products and materials we offer.
We always meet our customers' requirements, whether they are looking for special material properties or have particular expectations in terms of straightness, drilling, surface quality, or the lengths of their bars or pieces. In addition to hot rolling, we also offer a range of other processing steps that enable us to achieve this level of customer satisfaction: drawing, welding, sawing to size, blasting, milling and coating. On top of our highly customised special profiles, our portfolio also includes a wide range of standardised products.
We keep industries moving
Working hand in hand is essential to ensuring precise results. In order to do this, we bring together the expertise and experience of engineers and materials experts, of technicians and mechanics, and of designers and laboratory staff. We complement this workforce with other companies and experts within GMH Gruppe, working closely with our customers to provide assistance and advice at a personal level. This dedication allows us to produce high-quality results and innovative products that set standards in the field of special profiles.
We build on outstanding ideas
Our dedicated experts are always developing new products. They constantly strive to come up with new approaches for our customers, using fully equipped lab for testing geometries, material properties and surfaces, the latest CAD/CAM systems and complex numerical calculation processes based on the finite element method. And their work isn't over once they have developed the right innovation – in fact, they won't rest until the new product has been seamlessly integrated into the customer's processes.


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Google show-cased a very cool new mobile search feature last week at the SMX Conference in Paris which demonstrated impressive advances in natural language search.
Google knows a mobile phone users' exact location and this new enhancement means you can now use natural language queries to ask Google for information about landmarks, buildings and businesses around you without specifying them by name.
For example, "when does this restaurant open?" or "what's the phone number for this place?". Even more impressive is you can ask subsequent questions as you would talking to another person and Google understands what you're asking about. Eg "what's the name of this church?" "When was it built?" "How high is it?"
See some examples of this in action:
Why should you care?
Enhancements like this make searching on a mobile phone even easier and should mean an increase in spoken searches. Ensuring your business can be found in Google local search will therefore become even more important (see restaurant example above).
Although this appears to use the same natural language engine, this is not "Google Now on Tap" which launches later in the year. This is functionality available now on Android phones and also iPhones that use the Google Search app.
Unfortunately it doesn't yet appear to be rolled out globally and we've not yet been able to get it working here in NZ. Let us know if you do.
The latest news about web marketing, SEO, PPC Advertising & Web Analytics. But only the stuff that matters from a New Zealand perspective. Click here to get this delivered to your inbox each Monday.
If you found this useful, please tell your friends.
Jeremy and Mark are two of the partners behind SureFire Search. Despite their deceptively youthful appearances, both have worked in search marketing for many years. To put that in context, Google didn't even exist when Jeremy started.
Google Ads introduces 'ad strength' indicator & reporting for responsive search ads25 Mar, 2018
Google fights back against Amazon18 Dec, 2017
The Ultimate Job? Google NZ is looking for a Country Manager04 Dec, 2017
What they said about Amazon in 199927 Nov, 2017
Does strong Search performance correlate to Retail Success?13 Nov, 2017
The Ethical Digital Marketing Community06 Nov, 2017
Measuring mobile site speed using Google Lighthouse24 Oct, 2017
So you want to be a YouTube video star16 Oct, 2017
Content tips from Google's own style guides


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If you were at House of Rock Tuesday night, you were witness to the live debut of Lost and Faded, Corpus Christi's newest alternative wave-maker. The band made their debut during the open mic at HoR, and SoTxSP had our friend and special guest reviewer, Hannah Cruz, in attendance. Hannah had this to say about the show.
So I got to see the debut performance of Lost and Faded, and this is how it went down. I was able to speak to the lead singer, Mitch Hackleman, before the show, and I asked him how he was feeling, to which he replied "Feeling excited, getting ready to throw down!" As they took their turn on the stage, they were obviously ready to put on a show.
The band played the three singles they currently have out- "Need", "Open Up", and "Faded". The crowd was enthusiastic and very responsive to the band and their music, clapping and screaming as they played their set. They put on a great show, and I highly recommend seeing this Corpus Christi band!
After the show, Mitch told us "We were all feeling the music. Everything went according to plan. The crowd said we may have gotten a less-than-perfect mix, but we'll keep up the good work and hopefully put on an even better performance next time."
The band's debut single came out back in July, and they're working on releasing another single on October 1st. Don't forget to check out the band on Facebook and their website!
Special thanks to Hannah Cruz, our special guest reviewer for the Lost and Faded show! We congratulate our friends in the band on a job well done, and look forward to more great things from you all!


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Families who choose Rehoboth Christian School pay tuition based off of their family income.
Call for an educational consultation to receive tuition assistance, donor and external scholarship information.
For New Families:
New Student Admission Deposit
First new student.... $200
Each additional new student...$100
Admission deposits guarantee your classroom seat upon full admission and is applied to your 2019-2020 tuition contract


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JOB POST: Legal Associate @ Legal Vision India, Jaipur: Applications Closed
Job Description
Legal Vision India has an opening for a Legal Associate to assist Advocates practising at Rajsthan High Court, Jaipur Bench, Jaipur. The tasks involved require knowledge of law and various other dynamics of litigation, such as:
- Raw and Practical Aspects of Litigation
- Legal Research
- Drafting and Filing of Documentation
- Various Other Litigation Dynamics
The associate will have the responsibility of interacting with clients, getting inputs from the clients, preparing briefs and petitions after legal research and coordinating with the office for filing. Thereafter the associate may be required to brief the Senior Counsel and also appear before the court. The associate may also have to participate in deciding pre-litigation strategy and giving legal opinion (oral or written) to the clients.
102, 1st Floor, Hari Alokik Heights, Shubhash Marg, C-Scheme, Panch Batti, Jaipur, Rajasthan- 302001
The applicant should have an LL.B. degree and should be enrolled with the Bar Council. The applicant should have litigation experience (between one to five years). The experience should include research, drafting and appearances.
It shall be decided as per applicant's qualifications, experience, knowledge and skills in the practical field of law after an interview at Jaipur Office.
How to apply
Applications for this post are now closed.
Follow-ups via emails, calls and messages will not be appreciated.


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|Compact version
|Monday, 9 December 2019
Athens News Agency: News in English, 06-04-10
Athens News Agency: News in English Directory - Previous Article - Next Article
From: The Athens News Agency at <http://www.ana.gr/>
[01] PASOK slams govt's economic performanceMain opposition PASOK officials slammed ruling New Democracy on its economic performance on Tuesday, with criticism targeting both Finance Minister George Alogoskoufis and the government in general.
Vasso Papandreou, head of the Finance Division of PASOK's Political Council, accused Alogoskoufis of taking stabs at PASOK because "he's found himself at an impasse."
She added that "Speaking supposedly of PASOK's 'secret' programme, Mr. Alogoskoufis is simply implementing in Greece [Italian Prime Minister Silvio] Berlusconi's practices, in other words, slandering his political opponents."
On their part, Rodoula Zisi and Christos Protopappas, Coordinator and Deputy Coordinator of the parliamentary group's Production and Commerce Division respectively, said that the inflation data released by the National Statistics Agency (ESYE) "provides indisputable evidence of the negative situation in the marketplace."
They added that "inflation is increasing at a greater rate than last year and that the high cost of basic goods and services is further pressuring household incomes."
ANA-MPA Copyright © 2004-2005 All rights reserved.
Athens News Agency: News in English Directory - Previous Article - Next Article


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Shaun is represented by the following organizations:
Standpoint Communications, Singapore
Contact Joyce Lim
Southern Africa:
Plavka Services CC, Port Elizabeth, South Africa
Contact Shaun Parker
Sales enquiries:
Sales enquiries can be made by emailing the respective representing organizations above. Please provide the following information:
One of the artist's representatives will respond with the relevant sales price, handling and shipping information, and payment details.
Please note that payment is to be made by bank transfer. Credit card payments are not accepted.
Gallery Exhibition Enquiries:
Are you a Gallery or other organization that is interested in exhibiting Shaun's work? Please contact the representing organizations closest to your geographical area.
The artist or a representative will respond with answers to your queries.


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Congress to Take Up National Gun Registry Legislation Wednesday!
As we work to repeal deadly 'Gun Free Zones' here in Wyoming, we are also paying close attention to the war against gun owners going on in Washington, D.C. That's why I'm writing you today, as it appears likely that Congress will be holding hearings THIS WEDNESDAY on H.R. 8! H.R. 8 is being sold to gun owners as an innocent 'Universal Background Check bill' that shouldn't bother gun owners


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Regions Help & Support
How can I cancel or adjust my transfer once it is sent?
If you need to cancel or make changes to a funds transfer transaction after it has already been sent, call the Western Union Customer Service Desk at 1-800-325-6000, (Espanol at 1-800-325-4045). Please be aware that you may not be able to cancel or make changes to a transaction if the funds have already been paid.
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- Can I use Quicken or QuickBooks with Online Banking?
- How can I change my Online ID & Password?


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Gnomes just might be this year's Christmas theme and these pom pom cuties are so going on the "to make" list.
The hats can be decorated with all sorts of things. Pop on over to the blog Tatertots and Jello for the easy tutorial on how to make pom pom gnomes. You can decorate just about everything with these cuties.


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Anti-Aging & Detoxifying From The Inside Out
Contrary to marketing hype by major cosmetics companies who trot out mind-boggling claims to promote anti-aging creams and lotions, the simple fact is, they do not work!
As consumers who are driven to look younger, these corporate giants know that women will continue to buy these products and although they will give up on one brand, they will buy yet another in their quest for a youthful appearance.
Deep down, both women and men know that the effects of these heavily touted anti-aging creams are short-lived at best; nevertheless, the cosmetics anti-aging industry is a multi-billion dollar a year industry that keeps getting bigger. The only benefit that is not delivered, is that of a youthful, more vibrant complexion to the consumer.
Anti-Aging Through Ayurvedic Science
Over 5,000 years ago, Asian civilization gave rise to the Science of Ayurveda that devoted its focus on the prevention of disease and aging. Throughout the long tradition of creating specific blends of natural ingredients, Ayuvedic Medicine could address the body's needs and rebalance that which was out of balance.
How Does Ayurvedic Science Address More Youthful Skin?
Rather than using creams and lotions to address the condition of the human skin, Ayuvedic Science has developed a supplement that, when taken internally, is geared towards optimizing the condition of your skin, hair, and nails while doing something rather remarkable. Radiancio strengthens your body and overall well-being. Using the power of Radiancio will:
- Rejuvenate your Appearance
- Improve Nutrient Transport
- Detoxify your Body
- Combat Free Radical Damage
- Reestablish Hormonal Harmony
- Restore Immune System Function
- Thwart Hair Loss & Skin Problems
Your beauty, your youthful appearance, your vitality, are not "skin deep", but rather arise from the cellular level deep within your vital organs and the blood that nourishes them.
Your skin reflects the toxins and harmful chemicals that bombard your body on a daily basis, both externally and internally. You are what you eat; and you are what you breathe; and that is where Ayurvedic Science plays a critical role in your anti-aging regimen.
Understanding that the skin is the largest organ in the human body brings you to a deeper awareness as to why Ayuvedic Science treats anti-aging internally. When the toxins and contamenants build up in your body, they negatively act upon your skin causing it to lose its elasticity and its lustre. Through the process of cleansing your vital organs and pathways of the blood, your body's "environment" is allowed to purge those negative contamenants and bring back the natural youthful essence that you are seeking.
Anti-aging creams, for the most part, only give you a false sense of improvement that is invariably short-lived. However, the answer is there in your quest for younger looking skin tone. In fact, the answer has been here for over 5,000 years.
The cost of Radiancio is negligible compared to the cost of designed anti-aging creams. Don't you owe it to your face and overall body tone to finally invest in an anti-aging regimen that works?
You will not regret it!


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Kimbo Brown-Schirato
Manager, Client Services
Kimbo assists with client relationship management, including supporting analysis around financial goals and cash flows. She is also a key contact for liquidity requests and retirement plan distributions.
Originally from South Africa, she has lived in the Roaring Fork Valley since 2006. Kimbo brings experience in the nonprofit and hospitality sectors, most recently working as Aspen Youth Experience's business manager, where she was responsible for bookkeeping, financial reporting, and human resource management. She earned her BBS from the University of Cape Town with honors in marketing and economics. Kimbo is a board member of the Aspen Community firstname.lastname@example.com


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Four years ago, Bank of America made headlines in the reverse mortgage industry by acquiring a turnkey operation and then simultaneously announcing a reverse mortgage program for second homes. This was big news, especially for baby boomers who had significant equity in two homes.
BofA, a latecomer to the reverse mortgage party, came in the door with both barrels blasting. It paid a reported $220 million for Reverse Mortgage of America, the reverse mortgage arm of Seattle Mortgage. Several of Seattle Mortgage's top people also made the switch to BofA, including John Nixon, the executive vice president and chief operating officer of Reverse Mortgage of America.
Seattle Mortgage entered the reverse mortgage industry in 1995. It had a loan portfolio of 40,000 reverse mortgages, totaling more than $4 billion in outstanding balances, when it sold Reverse Mortgage of America to BofA. Approximately 400 Seattle Mortgage associates joined BofA, including a retail sales force of more than 200 sales associates in 25 states and Washington, D.C.
Things were really looking up. But a few weeks ago, BofA completely shut it down, reversing out of the reverse mortgage game to focus on its core business of conventional, "forward" mortgages while adding more manpower to resolving foreclosures and defaults. The bank's much-anticipated program for second homes barely got started before it quietly faded away.


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Author: Eileen Trenkmann, freelance startup expert
$33.62 billion have been poured into the Indian startup ecosystem since 2014, with angel funding & series A funding accounting for most deals in the past three years. The startup investment ecosystem in India is still at a nascent stage with angel networks being as recently founded as 2006. Later stage funds are still evolving, especially at the series B and C level funding for startups remains scarce with only a few funds catering to this segment. German startups seeking to expand to India can turn to a variety of sources when seeking investments and funds. In this chapter an introduction will be given to the Indian financing landscape. For elaborations on public funding, please see the respective chapter.
Angel Investments
The Indian angel investment ecosystem has grown significantly in the last years with new networks such as the Indian Angel Network (IAN), Mumbai Angels, Chennai Angels, etc. emerging. While in 2010 the deals made by angels merely reached 500, senior executives and successful entrepreneurs that were produced in the last 8 years have joined the investment club and contributed to a deal number of 1034 in 2016 and 820 in 2017 due to the effects of demonetization. Traditionally, angel investors in India have preferred making investments into companies in geographic proximity to the place they live in. However, in recent years an increasing number of Indian investors have started looking into strategic investments in startups from abroad. For instance, Sanjay Mehta, recently also rated as one of the most active Indian angel investors, made 30% of his investments in 2017 into foreign companies, thus, mostly with a strong India connect.
Among those players that already today invests 20% of their overall investments into early-stage businesses from abroad (mostly US and UK-based startups), is the Indian Angel Network(IAN). IAN – India's and at the same time Asia's largest angel investor network – has currently +450 investors from 11 different countries in their network. The network invests up to $1 million, with an average of about $400-600k. Exists usually take place over a 3 to 5-year period through strategic sales. Interested startups can submit their business plans online through the platform. The platform also hosts other information relevant for startups interested in early-stage investments.
Besides angel networks, there are various platforms such as LetsVenture that connect investors with startups. LetsVenture is opened for startups from all over the world. The platform currently hosts 3809 angel investors and has supported the closure of 162 deals with investments of $65.8 million. Any startup can sign up for free and a fee is only charged after a successful deal closure.
Venture Capital
As the angel investment space has only developed in recent years, so has the venture capital space. The first venture funds in India that started operations were US-based funds such as Accel Partners and Sequoia Capital. Helion Ventures, an Indian fund with global limited partners (LPs) started around the same time. In the following years a number of new funds emerged such as Nexus Venture Partners, Blume Ventures, etc.
Given that Accel Partners as well as Sequoia Capital are international funds, they do also look for interesting startups globally to support financially. For instance, Sequoia Capital in 2013 invested in the German startup 6 Wunderkinder. Blume Ventures, an early-stage tech-focused / tech-enabled venture fund, founded in 2011 currently invests 8% of its overall portfolio activities into international startups.
Corporate Funding
Corporate Venture Capital in India has significantly increased in the last years and hit an all-time high in 2016 with 190 deals. Some of the most active corporate venture funds in the country are 'The Times Group', followed by Qualcomm Ventures, Intel Capital that invested twice in the recently by Walmart acquired unicorn Snapdeal, Bertelsmann India Investments and Cisco that has made repeated investments for instance into e-wallet MobiKwik. The e-commerce giant Alibaba is also active in India and for instance invested in Snapdeal and Paytm Mall.
At the same time many corporates have launched their own accelerators, deploying smart money. According to a report by NASSCOM, corporate accelerators in India have seen a 35% growth year-over-year. Some of the corporate accelerator programmes that attract global startups are:
– eight Accelerator – The by GE Healthcare founded programme targets global healthcare startups and provides up to $5 million of funding on a case-by-case basis.
– The D.NA – Launched in 2016 by Bosch India, the programme targets global startups with disruptive solutions in the areas of aerospace, agritech, mobility, energy, medtech or smart cities. Funding support is decided on a case-by-case basis. Bosch jointly with Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH have also conducted two Indo-German Bootcamps so far bringing German and Indian startups together. The Bootcamps also included an exposure to VCs, Angel Investors and other funding stakeholders in India. More such tours are planned in the future.
In 2013 the Companies Act was updated. The bill also introduced a mandatory 2% CSR spending by corporates that either have a net worth of INR 500 crore (approx. €60 Million) or a turnover of INR 1000 crore (approx. €120 Million) or a net profit of INR 5 crore (approx. €600.000) preceding three financial years. A provision was made to spend this money on incubation activities through Government approved incubators. Since then an increasing number of corporates have supported incubators with CSR funds. For instance, Mahindra & Mahindra have funded SustainEarth through the social incubator Villgro. SAP with their CSR funds has run multiple social enterprise accelerators jointly with the Ahmedabad-based incubator Centre for Innovation, Incubation & Entrepreneurship (CIIE). While the clause stipulates that the CSR funds should be deployed within India, it is not impossible that international startups based in India, especially those with social causes, can attract corporate CSR funding through an incubator.
Incubator Funding
An increasing number of incubators are looking into sourcing international startup and if not providing funding themselves, support in connects to investors, VC, etc. IIM Calcutta Innovation Park for instance conducted Smart Fifty in the beginning of 2018, a government funded program looking for promising Indian and international startups. 10 international and 40 Indian startups each got a grant of 4 Lakh (approx. 4800 Euro) and were invited to a 3-day Bootcamp in Calcutta. T-Hub, a Hyderabad-based incubator, launched India Market Access Bridge Program, supporting technology-based international startups looking to expand overseas. Part of the program is also a corporate and investor demoday, providing the startups with investment opportunities in India.
Crowdfunding / Lending Portals
Crowfunding and digital lending portals are legitimate alternatives to angel investors & venture funds. Some of the popular crowdfunding platforms include Rang De, an online donation platform active in the charity space that facilitates micro or low-cost loans to rural entrepreneurs, Wishberry, which supports creative artists, CashSvidha, a digital lending platform that provides loans to SMEs, Faircent, a peer-to-peer lending platform that brings borrowers and lenders together, Catapooolt, a crowdfunding platform for artists, entrepreneurs, technology enthusiasts, etc., Fueladream, a crowdfunding platform that supports ideas, social causes, charities, etc., BitGiving, a crowdfunding platform to raise funds in diverse categories ranging from social causes, startups to creative & entrepreneurial ideas, Milaap, a crowdfunding portal that provides support in various categories such as social entrepreneurship, technology, etc., Impact Guru, a crowdfunding platform that supports NGOs, social enterprises, startups and individuals and i-LEND, an online lending marketplace connecting people who need money with people who are willing to lend.
There are four common types of crowdfunding:
1. Equity-based crowdfunding
2. Debt-based crowdfunding
3. Reward-based crowdfunding
4. Donation-based crowdfunding
Crowdfunding in India is overseen by the Securities and Exchange Board of India (SEBI). Equity-based crowdfunding is illegal in India, majorly due to the reason of potential threat through money laundering. Reward-based crowdfunding which means that investors get a product or a benefit in return for their investment (except equity), is legal, and so is donation-based crowdfunding. Both forms are currently the most common forms seen in India and at present only attract basic fiscal legislations such as income-tax laws and Foreign Contribution Regulation Act, 2010. Debt-based crowdfunding commonly also known as peer-to-peer lending is also legal in India, however, is subject to various regulations. Some of those have been summarized here: https://www.pwc.in/assets/pdfs/ras/financial-services/compliance-cco-advisory-services/banking/featured-publications/p2p-lending-in-india-a-new-wave.pdf.


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Commercial Sectionizer
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Bulacan receives P8.5 M grant from DOLE
By: PPAO
Friday, 15 March 2013
A PARTNER TOWARDS DEVELOPMENT. Department of Labor and Employment Regional Director Raymundo Agravante hands over the cheque amounting to P8.5 million to Provincial Youth, Sports, Employment, Arts, Culture and Tourism Office head Elizabeth Alonzo. The P5.5 million is the DOLE's counterpart for the salaries of youths who will join the Special Program for Employment (SPES) and the P3 million goes to the livelihood program of the Provincial Government of Bulacan.
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CITY OF MALOLOS— The Department of Labor and Employment (DOLE) region III has awarded P 5.5 million for the Special Program for Employment of Students (SPES) and P 3 million for the livelihood program of the Provincial Government of Bulacan.
Provincial Youth, Sports, Employment, Art, Culture and Tourism Office (PYSEACTO) head Elisabeth Alonzo said that the awarding happened as part of the opening ceremony of the job fair with the theme, "Trabaho para sa mga Bulakenyo" at the Bulacan Capitol Gymnasium recently.
She added that the P 5.5 million grants is the counterpart of DOLE for the salaries of youths who will join the SPES or summer job program during the upcoming vacation season. The P 3 million grant for the livelihood program includes 12 negokart for PYAP and five for OFWs, materials and kits to start a business, and other form of assistance for those who undergo skills training such as reflexology, food processing, soap making and others.
Governor Wilhelmino M. Sy-Alvarado said that they are very thankful for the undying support and assistance that DOLE provides for the province.
"We hope that the partnership that we have with DOLE will become stronger as we make Bulacan an engine for economic growth by providing job opportunities and entrepreneurial development to all Bulakenyos," the governor added.
DOLE awarded four sets of computer to the municipalities of Obando, Pandi and San Miguel and the city of San Jose del Monte for the 4th Wave Implementation of Skills Registry System which aims to create a profile of the skills and potentials of the Bulakenyos in barangay level. ###
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The lugs came in from Henry James for Mike Terraferma's Super Randonneur.
Never a slave to fashion or passing fads, Hank James has been offering one lug design for 20 years. And a beautiful design it is with elegantly curved points and clean shorelines. Investment cast in the USA with lug walls tapered to square edges less than .030″ thick and clearances optimized for silver brazing.
The red magic marker markings indicate areas to be filed off and rounded from points that are on the underside of the tubes.


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ALLEGHENY COUNTY (KDKA) — An Allegheny County police mounted unit horse was retired Sunday after serving the department for 10 years.
Allegheny County police say King, a 25-year-old thoroughbred, joined the Allegheny County Police Department in 2006 at age 15. The department has used King for crowd control during events such as the G-20 and the Super Bowl and Stanley Cup parades.
King is being retired due to a ruptured bursa in his knee. He will join three other retired Allegheny County police horses at the Round Hill Park pastures, where he will be cared for by animal keeper George Urstay.
All Allegheny County police horses are obtained through donations, and the department will be looking for two replacements in the near future.
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text: Today we are in a healthcare crisis. All around the industrialized world people are struggling with declining health. From childhood obesity to the multiple health-related needs and concerns of an aging population, millions need help understanding, managing, or even reversing their maladies. Hospitals are essential of course, but most are set up for episodic care, not long-term disease management or continuous health improvement. So healthcare organizations, civic leaders, church leaders, and philanthropic groups wonder what can be done to help. In this timely publication, authors Stephanie Lind of Florida Hospital and Dr. Susan Chase of the University of Central Florida share important insights and ideas based on a three-year pilot project involving Faith Community Nurses. Conducted in five Central Florida churches, the pilot sought to help congregations establish or grow an existing health ministry team. The work was accomplished through a partnership between Florida Hospital and the Winter Park Health Foundation. In these pages you'll discover the project goals, the methodology and processes used, and how others can take what was learned and do something similar—or better. The project described in this report was one among many of Florida Hospital's ongoing efforts to help people understand how practicing the fundamentals of whole-person health aids in the prevention of disease and in recovery following an illness. I believe the authors have done a remarkable job of demonstrating how hospitals, churches, and Faith Community Nurses can positively affect the health of entire communities, playing a part in transforming our healthcare crisis into a health caring opportunity.


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Intuitive interface. Thorough setup. Multi-graph Snapshots. Multiple email options. Informational pane in transactions. Intuit Payment Network. Numerous payroll options.
Weak inventory tools. Little attention to Preferences.
Bottom Line
QuickBooks Premier Edition 2011 and its more junior versions should be considered first when you're looking at small business accounting software. It offers a superior blend of accounting tools, usability, and integration.
Intuit's QuickBooks remains the best small business accounting product available today. QuickBooks Premier Edition 2011 doesn't represent as big a change as some previous editions have, but the upgrades will help you hone in on your company's financial standing, improve the speed of your collections, save time completing transactions, and access your data remotely. QuickBooks's competition is formidable. Both Peachtree by Sage Premium Accounting 2010 ($349, 4 stars) and AccountEdge 2010 for Windows ($299, 3.5 stars) offer tremendously competent programs, but QuickBooks more skillfully hits the sweet spot with its blend of accounting muscle, usability, and extensibility.
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More Comprehensive Setup
The beginning of QuickBooks 2011's startup process is similar to that of past iterations. It asks about your company's makeup, needs, and activities, and it then creates a backbone for your data and transactions. QuickBooks now also adds an option for more comprehensive setup, walking you through contact imports from Outlook, Yahoo, Gmail, or Excel. You can designate contacts as customers, vendors, or employeesor skip them.
Wizards walk you through the process of adding products, services, and bank accounts. This can all be done later, but upfront assistance may be helpful for new users. Another step in the new startup focuses on common processes that beginning users might undertake, like bill-paying. Here, as in other steps, QuickBooks offers short videos that provide guidance. The QuickBooks Learning Center, a clearinghouse for tutorials, is still available.
These tools and related guidance lay a good foundation for daily work, but I've often wondered why Intuit doesn't direct QuickBooks beginners to the Preferences window. Many QuickBooks user problems could be easily resolved by changing a Preference or two.
Competitors offer similar conventions for setup, but AccountEdge's (optional) Easy Setup Assistant is the most thorough and inclusive.
A Familiar Framework
QuickBooks 2011 hasn't introduced any major new accounting or interface conventions; nor did it need to. QuickBooks provides the tools required to manage your money and analyze your company's financial health quite competently. It facilitates sales and purchases, payroll, inventory, and banking. You can create databases of people, products, and services; process numerous types of transactions; and get constant, real-time views of your business through reports and interactive snapshots.
These tools can be accessed through icons on the program's opening page. They're divided into related groups. The Company group, for example, offers links to screens that help you view your Chart of Accounts, peruse your items and services, and work with your inventory. Vendors' icons represent purchase orders, bills, and inventory. Customer links take you to forms like sales orders and invoices, related charges, and payments. The Employee group, of course, helps you manage your payroll. And links in the Banking group trigger processes like check-writing and account-reconciliation.
Standards menus and a customizable toolbar also lead you to your destinations, offering a more comprehensive guide to the program's features.
A window containing a list view of your items and services lets you both open records and use menus to work with individual entries. These menus offer voluminous options for activities like editing and deleting items, creating forms and receiving items, running reports, and interacting with Excel.
QuickBooks has formidable competition when it comes to interface and navigation. Peachtree is the weakest of the three, and 20-year-old AccountEdge, which hit the ground running, remains quite strong in this area. But QuickBooks has found the right balance between hiding critical tools and showing too much.
Centralizing Operations
Your customers, vendors, and employees, have "Centers" that consolidate operations and make it easy for you to find your contacts' informational records, explore existing transactions and create new ones, and interact with Office applications. You can import/paste to Excel, as well as prepare letters and mass mailings in Word, for example. The Employee Center also houses QuickBooks' time and billing tools. Employees can enter single activities and weekly timesheets, and even download time data using TimeTracker (fees apply).
Though not called a Center, the Company Snapshot consists work well to present related information in a fashion that will help you quickly get a good handle on your bottom line and ferret out key data. This snapshot consists of three individual screens that display financial information in a fashion not found elsewhere in the program. This is a good place to start your day; it can help you spot trouble areas and see where you're excelling.
The first screen, labeled Company, displays multiple mini-reports and graphs that are key to your company's bottom line, such as Account Balances, Customers Who Owe Money, and Expense Breakdown. You can link directly from entries here to the underlying data and work on areas that need attention. The second screen, Payments, focuses on money owed your business. Options here include lists of recent transactions and customers who owe money, money to deposit and overdue invoices, and an A/R by Aging Period graph. The third screen, Customer, is a new, very effective overview of individual customers. It offers a quick visual roundup of each customer's interactions with you, including average days to pay and open balance; recent invoices and payments; and graphs outlining that customer's sales history and best-selling items. All of these screens can be customized.
AccountEdge lacks similar overviews, but Peachtree offers comparable conventions.
Moving Money
Collecting money from your customers and paying your own debts is easier in QuickBooks 2011, too. Transaction forms like invoices and purchase orders remain unchanged for the most part. You still select a customer or vendor from a drop-down list, select a class if necessary (which lets you assign a transaction to a department, location, property, etc.), and approve the date and form number. You can change the form type (such as progress invoices or custom sales order invoices, for example) and select terms and a due date and so on.
You describe the goods and services exchanged by selecting entries from drop-down lists. Add a message at the bottom and indicate whether the form is going to be printed or emailed. Depending on the form, you may have the option to, for example, add time and costs that have already been recorded or select a location for a drop-shipment.
A taskbar contains icons for related tasks. Beyond standard processes like saving and printing, you can set up FedEx and UPS shipments; see a history thread for the transaction; set up mailings using Microsoft Word; and customize the forms' templates. If there are documents that relate to the transaction, you can easily attach them.
Transaction-processing is fairly similar in all three products; each would serve you well. Peachtree and AccountEdge let you see the Journal entries behind each transaction (the debits and credits), which QuickBooks doesn't. Forms in all of the products can be customized to include the fields that you want, and everyone supplies its own collection of related tasks. I'd call this a draw, given the flexibility and strengths each offers.


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This immaculate condo is tiled throughout and is being sold furnished. The unit has a fantastic rental history and is turnkey. It is close to the pool and on the first floor so it is easy to watch the kids in the pool. The VRBO website will also convey with the unit. The A/C was recently replaced as have the washer and dryer. Cable TV and internet are included in your monthly condo fee. Grand Caribbean is a well-maintained, gated community that is off of the beaten path and features a pool that is seasonally heated, a hot tub, BBQ areas, a library, and access to the beach via a boardwalk. You can also stroll, bike, or jog down the beach to the beautiful Gulf Islands National Seashore.
Listing courtesy of RE/MAX GULF PROPERTIES.