text:
Find the best credit card for you
If you decide you need a credit card, it is important to choose
the best credit card to suit your situation.
Credit cards are a convenient way to pay for things, but
convenience can come at a cost. Research has shown that people
often spend more when they use a credit card than they
would if they were using cash.
Before you apply for a credit card, think carefully about why
you want it, and how you will pay for it.
Avoid getting a credit card if you are using it to pay off other
debts. The higher interest rate and other fees and charges may cost
you more in the long run. Consider a no or low interest loan or
talk to a financial counsellor if you are
struggling with your finances.
If you're worried about spending too much, a debit card might
suit you better.
The kind of credit card you should get depends on how you want
to pay off your debt. Credit cards have different features to suit
different types of spenders.
compare credit cards video
Peter Kell from the Australian Securities and Investments
Commission talks about how you can choose the best credit card for
your circumstances, and gives tips on managing credit card
Some credit cards have very high interest rates and fees which
can add up quickly. When looking at what card might suit you,
consider one that has a low interest rate or low fees.
If you always pay off your credit card in full each month, look
for one that offers interest-free days. This means you pay no
interest for a certain number of days after making a purchase (for
example, 55 days).
These cards may charge higher interest rates and annual fees,
but if you pay off your debt within the interest-free period,
you'll avoid paying interest altogether, so the higher annual fee
may be worth it.
If you know you won't be paying your debt in full straight away,
consider a card with no interest-free days. You'll usually pay
lower annual fees and less interest, either from the day of
purchase or the day your monthly statement is issued.
Ricky landed his first job after
finishing uni and decided to get a credit card for those times when
he's caught without cash. After comparing a few credit cards, he
chose one that offers interest-free days and a low interest rate.
He vowed to pay off the balance within the interest-free period;
but, if he doesn't, the lower interest rate means he'll be charged
less interest than if he had one of the higher rate cards.
"I'm still paying off my HECS fees from uni so I don't want to
get into more debt."
Sometimes credit cards offer an introductory or 'honeymoon' interest rate. Check how much
the interest rate will rise at the end of the honeymoon
period, and what fees and charges come with the offer. A card with
higher fees might wipe out your honeymoon savings before long. The
same principle applies to offers of 'no fees for 12 months'.
This is when you transfer your outstanding balance from one
credit card to another, often at a lower interest rate for a
certain time (for example, 4.9% for 6 months).
You can get the full benefit of this by paying off the balance
transfer amount within the balance transfer period. Just make sure
you check the interest rate that will apply once the balance
transfer period is over.
If you use your new card to buy something, your purchase will
usually attract the full interest rate of the new card (not the
special balance transfer rate). It is a good idea to check how
different credit card features may apply when you transfer your
balance to a new card. For example, you may be unable to take
advantage of any interest-free period on new purchases until the
balance transfer amount is paid in full.
After transferring your balance, close the old card. If you
don't, you may still have to pay fees, even if you no longer use
the card. Closing the account also reduces the temptation to spend
on both cards, which would add to your debt.
Payments you make on your new card could be applied to the
balance with the highest interest rate (for example, purchases you
made at the standard interest rate or cash advances at the cash
rate, whichever has a higher interest rate).
If you have not paid off the full balance transfer amount when
the balance transfer period ends, the amount remaining will be
charged at the standard interest rate or cash advance rate (which
may be higher).
Check the conditions of your card to see what rate applies and
find out how paying just a little bit more off your card each month
can save you interest.
Credit card calculator
Here are some other features to consider when you are choosing a
credit card.
By law, credit providers must not charge more than 48% in
interest annually on credit cards (this includes all fixed fees).
Australian Deposit-taking Institutions (ADIs) such as banks,
building societies and credit unions are exempt from these fee
When you choose a credit card, check the fees and charges. These
can add a lot to the cost of your card and can include:
Credit card purchases can attract a surcharge that some
retailers will pass on to you. You must be adequately informed of
any surcharge before you pay.
Where a surcharge is compulsory the retailer must clearly list
the surcharge alongside the price. Where the surcharge is optional
the retailer must clearly inform you of the surcharge and another
way you can pay that avoids the surcharge.
Businesses are banned from charging excessive payment
surcharge fees on debit, credit and prepaid card
transactions. This means a business cannot charge a customer more
than what it actually costs them to process a payment.
For more information see credit, debt and prepaid card surcharges
on the ACCC's website.
Some large stores issue their own cards, which operate like
regular credit cards but can only be used in that store, and
have much higher interest rates. Store cards can be an
expensive way to shop.
Before signing up for a store card, compare the interest rate
with other types of credit. The
benefits may not be worth paying a higher interest rate.
Be careful when you get a store card as part of an interest-free
deal. You might pay more in interest than a regular credit
Here are some tools you can use to compare the interest rates,
fees, charges and features of credit cards to find the best one for
An easy way to compare cards is to use the 'key facts sheet'
available from credit card issuers. These contain
information on:
Comparison websites can be useful to compare the features and
fees of credit cards, but they do have some limitations. See our
article on using comparison
websites for more information.
It's worth shopping around to find the best
credit card for you. It might be easy to get a card with the
financial institution you normally use, but you could find a better
deal elsewhere.
Related links
Last updated: 31 Jan 2019
calculators &
more life events...


text:
The best kitchen innovations of 2013
I partnered with Every Day with Rachael Ray magazine editors to test dozens of kitchen tools, appliances and gadgets and found 18 kitchen superheroes that cooked the competition, saving all of us time, effort and even some dough. Check out the whole article in the September issue, on newsstands now, click here to read the online version and read on to see my favorite kitchen sidekicks.
My main squeeze
Loads of my favorite recipes utilize the fresh-squeezed juice and zest of lemons and limes—poultry dishes, sweet treats, even G&Ts. So it's not hard to understand why this lemon-lime press with a zester became one of my favorite multitaskers for the kitchen and bar.
A Whiz in the Kitchen
You no longer have to chop 'til you drop. The Pull'n Slice mandoline speeds up the prep process by slicing tomatoes, dicing onions, julienning carrots and cutting potatoes into French fries with lightening-fast precision thanks to a collapsible finger guard that keeps your digits light years away from the blade.
Now You See It; Now You Don't
Out, damn spot. That's what this magnetic spot scrubber promises—to get into all those narrow-necked vases, pitchers and decanters, where water, juice and wine stains seem to stick. Drop the silicone-scrubbing disc into the dirty vessels, add warm, soapy water, align the magnetic scrubber with the disc and rub.
Flat Line
A spoonful of sugar is easy to measure. It's the oil and honey that give me problems. But a new set of flexible, tip-free measuring spoons that lay completely flat rescue countertops from slippery, sticky spills. I love that each spoon is also labeled with half measurements, making cutting recipes simple.
Got It Covered
Don't let the sticky rubber texture of these fun food savers scare you. These reusable balls stretch to form an airtight seal around bowls, plates and cut fruits and veggies, protecting your leftovers against rot and mold.

subset: commoncrawl


text:
The Amazing Acro-cats in Mew Orleans! (12/07-3pm)
calendar_todayDecember 7 2019 03:00 PM - December 7 2019 05:00 PM
attach_money$21 - $42.99
Real rescued house cats perform acrobatics for the Holidays A very special presentation of The Amazing Acro-cats Featuring Tuna and the Rock Cats Presented by Rock Cats Rescue and partnered with Jefferson SPCA. A portion of the proceeds will be donated to their cause, all of the proceeds benefit cat and kitten rescue!
Venue Details
AllWays Lounge and Cabaret
2240 St Claude Ave (Marigny)READ MORE


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"Vacations are for students, not for teachers"
On the last day of the school term, I found a timetable of the winter vacation on my desk. I didn't think much of it as I'd previously asked my vice principle whether I'd have to work during the vacations and he'd said no. Yet, reality hit me when I gave a Christmas card to my supervisor and she said, "Even though it's a working day!". I quickly explained to her that I'd already had the 'OK' from the vice principle that I wasn't needed, but apparently that was incorrect and I was expected to come into school. "What for?" I thought, there were no lessons during the holidays! It turns out I was wrong again, as there are lessons for the third graders, and lessons meant marking and marking comes straight to my desk. I also was needed to give interview practice to students who are applying for international courses at top high schools.
Once I got over the initial frustration of the miscommunication between my colleagues and myself, I found out I was only needed at school for just three hours on the 25th and the 26th. The ALT contract states that we have 12 days of nenkyu (bookable days off). This doesn't sound like a lot, but we also get the generous 15 national holidays of Japan. Like the JET Programme says, "Every situation is different" and it is up to the school whether they give an ALT time-off during the vacation. I didn't complain too much as I knew other ALTs who had to spend all day at work during the vacation, so I counted myself lucky.
Christmas Eve
It is a coincidence that one of those public holidays, The Emperor's Birthday, is on December 23rd, which being a Sunday this year, meant Japan had a national holiday on the Monday 24th. Therefore I had the pleasure of spending this day with my host family. The children were full of excitement to see me, especially as I'd come laden with gifts! I'd also brought the Wii game console, that my predecessor left me, so the kids could play with it at Christmas. In just 30 minutes they'd set it up and were playing Wii Sport's Resort, they were loving it!
In the meantime, the oldest daughter and I made gingerbread cookies. For dinner we had takoyaki (pancake-like dumplings with octopus inside), pizza and a fantastic cake with strawberries on it (a customary fruit at Christmas). After much talking, present giving and cooking it was time for me to leave. There was no way I could take the Wii back, seeming as I haven't used it once since I arrived in Japan, and these children were having such a great time with it. But, I pretended I was going to take it back and the children's faces dropped. They pleaded with me, "Just a little more time, please" but I shook my head and said "Gomen ne. Tanoshikatta desu ka?" (Sorry. But it was fun, right?). I can be so mean when I want to be!
Just before I left, I told them the good news, that they can keep the Wii! The children nearly burst with excitement and nearly went as far as to give me a hug, but their smiles said it all. The parents were happy too, as all day the three children had played amicable together. I went home feeling so lucky I could re-gift the Wii to a good home.
Christmas Day
In my own tradition I'd opened presents from my family on Christmas Eve, so I didn't have the usual stocking-opening excitement on Christmas morning. I received boxes of chocolates, Christmas puddings and biscuits, all making me nostalgic for the Christmas I usually celebrate. It also made me realise the copious amounts of calories consumed during a Western Christmas! I was glad I wouldn't have too many pounds to burn in January.
Instead of present-giving and a cold Christmas Day walk, I was to be going into work like the rest of Japan. I thought I'd dress Christmassy for the students and wore a red, pleated skirt and a santa's hat. I was welcomed with ''Meccha kawai!" (So cute!) from students who were tirelessly practising for a band concert the next day. The teachers were much more relaxed than usual and were chatting amongst themselves in the staff room. It wasn't a special day for them but still they wished me "Merry Christmas" as I left after my work was done.
In Japan, Christmas is celebrated in the commercial sense but there is nothing at all about Christianity. There are Christmas lights, Christmas decorations and cheesy Christmas songs, but all of this build up is for nothing! Christmas Eve and Christmas Day are popular times for couples to go on dates or for friends to get together but it can easily go unnoticed as it is not a national holiday. The most peculiar thing I found, was how quickly Christmas decorations were taken down; even on the 25th I saw people taking down their decorations! This is probably because the build up for the biggest Japanese festival, celebrations of the New Year, must begin.
I celebrated Christmas by throwing a potluck party with the remaining ALTs left in the Echizen area. Everyone bought something to share and we managed to create quite a spread of food; rotisserie chicken and sausage from the Brazilian meat shop, pumpkin mash, veg and of course, some deep fried chicken.


text:
The worksheets are in PDF format.
What to Bring – 6 pages This worksheet is a must for each of you.
Travel Expense by Other Than Auto
Business Use of Auto, Truck or Other Vehicle – 2 pages
Alternative Motor Vehicle Purchase
Plug-in Electric Motor Vehicle Purchase
Residence or Real Estate Purchase
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100+ Business Expenses for 2014 – 6 pages
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If you have any questions, please be sure to call the office at 505.466-8317 or email firstname.lastname@example.com.


text:
Mumbai: The state government has taken action against 552 doctors under Pre-Conception and Pre-Natal Diagnostic Techniques (PCPNDT) Act after they were found violating the sex-determination norms.
The information given by the public health department to the legislative assembly states that 552 centres have come under the scanner of the government between 2002 to February 2016 for violations of the Act and court cases have been filed against them.
The issue was raised during the question hour by MLAs Sudhakar Kohale, Devayani Pharande, Raj Purohit, Yogesh Sagar, Manisha Chaudhari, Aslam Shaikh among others. The MLAs also asked whether the doctors were misusing the sonography machines, whether machines were being taken from one place to another and whether complaints had been filed against the doctors in this connection or not.
In a written reply, health minister Dr Deepak Sawant said the department has filed cases against centres found to be violating the anti-sex determination rule. He added that the cases have been filed for not registering the sonography centres, doing ads and other reason.
He said the Maharashtra Medical Council had been asked to cancel medical licences of doctors found guilty in 155 cases. The minister also said out of this, 50 licences had been suspended for a brief period and 49 had been issued warnings. Besides this, licences of seven doctors have been cancelled while 11 doctors have been acquitted by the court. While one doctor died, another was found of guilty of bogus certificate. And 30 cases are pending.
The government had brought in the legislation of PCPNDT in 1994 to control the tumbling sex ratio in the country.


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Gwyneth Paltrow photographed by Steven Klein, styled by Alex White; W magazine September 2007.
Gwyneth Paltrow's goop is a booming business. One that's accepted investor money from venture capitalists. The type of venture capitalists who aren't afraid to ask company founders hard questions like what might happen to their business if they die. Even if that founder happens to be, well, Gwyneth Paltrow.
In an interview with LinkedIn, Paltrow reveals that she's getting used to being asked those tough questions in boardrooms, even ones about her own mortality.
Though, that might reveal why the actress announced this summer that she wants to make sure that the goop brand could survive without her (a comment that some interpreted meant Paltrow might be leaving her company, which, as it turns out, isn't true). The actress-turned-businesswoman is as committed to the site as ever, but just wants to make sure that the goop brand means something beyond just that its run by Gwyneth Paltrow.
That also might be why Paltrow now says she's sort of regrets revealing her "conscious uncoupling" from ex-husband Chris Martin on her goop newsletter.
"At that time goop wasn't the size it is now, there was a lot less people, it was a very, very personal project for a long time, and I wrote in the first person all the time," said Paltrow.
"It was such a difficult time in my life and I was trying so hard to protect my children and my family, Chris included. We were both fragile. It was really tough. To me it felt like this is a quiet way to do this and it is contained."
Though, when asked if she'd do it now, Paltrow said, "It sort of wouldn't be appropriate now. It's a much bigger business."
Essentially, Paltrow's "conscious uncoupling" newsletter was the equivalent of most people's old LiveJournal comments or first few months of Tweets. Internet artifacts that you'd be embarrassed if anyone but your closest friends knew about now, even though, at the time, you were effectively putting them out on the internet for anyone to find.
Of course, your internet artifacts probably didn't become fodder for dozens of late night jokes and snarky Tweets.
Which, as it turns out, Paltrow doesn't mind being the target of a bit of online snark.
"When something that is criticism that is not well researched, it doesn't mean anything," she said.
"People can say 'this and that,' but meanwhile my business is doubling," she said. "When you have an e-commerce business, no press is bad press. Everything drives people to the site."
Essentially, she's developed a thick skin (flawless-looking skin, but thick none the less) and can handle it.
"I (basically) walked away from a career where people kissed my ass to being grilled by a VC or my board," she wrote in an accompanying essay. "I used to worry about myself and myself alone, and now I am responsible for the livelihoods of 50+ people."
So write whatever garbage tweet you want about Gwynnie. She's got employees to pay and venture capitalists to meet.


text:
Last Comic Standing strike, 15 editors walk out, demand union contract with health benefits and pension
Last Comic Standing will make it's triumphant return May 22 on NBC— unless, of course, an editors strike totally derails the network's plans. Deadline.com is reporting that approximately 15 editors and assistant editors walked off the job today, part of a strike spearheaded by the Motion Picture Editors Guild, Local 700. "Hired by NBC Studios on a non-union basis, the editors are seeking a union contract that includes industry-standard health insurance and pension benefits," writes Dominic Patten.
Executive producer Wanda Sykes has taken hold of the twice-cancelled stand-up comedy competition show. Comedian J.B. Smoove is set to take over hosting duties. There will be 100 comedians battling for one grand prize. Comedy icons Roseanne Barr, Keenen Ivory Wayans and Russell Peters will act as Last Comic Standing judges. Earlier this year, Laughspin reported that there would be many changes to this year of Last Comic Standing, including the omission of open calls.
Sign up to get funny daily videos and headlines delivered to your inbox every day!
Be sure to subscribe to the weekly Laughspin Podcast on iTunes or on SoundCloud for all the latest comedy news, audio clips and more! Listen to the most recent episode below!


text:
|The towers of San Gimignano
(We visited this town in 2004)
I wrote about walls in my last post, so, in keeping with an architectural theme, today I am writing about towers. I was reminded of this scripture verse during our worship service on Sunday after we had returned from a particularly trying trip to Italy. The last couple of weeks have been quite an ordeal.
When I think of Italy, especially Tuscany and Umbria, I think of its towers--watch towers, bell towers, defensive towers, leaning towers--they are everywhere in Italy.
During spring break I was in Italy on a group tour with my husband, daughter, her schoolmates, and some of their teachers and family members. What was planned as a special family time with our daughter became memorable for reasons we didn't choose, and the "family" time we experienced involved more folks than those people who share our name and our blood.
Our trip started with bad news and got worse. The day prior to our departure one of my cousins died unexpectedly, and I spent that evening weeping through grief-laden phone calls with family members and trying to learn details about funeral arrangements. Thus, I started the trip emotionally drained. The funeral was held while we were gone.
We flew to Rome and boarded a bus to Florence. The next morning we started our walking tour.
|Ponte Vecchio and River Arno, Florence
|Rooftop view of Florence, Italy
|The Basilica di Santa Croce (Basilica of the Holy Cross), Florence, Italy
|Uffizi Gallery, interior
Doni Tondo – The Holy Family with St. John the Baptist, 1506
Oil on panel
Galleria degli Uffizi, Florence, Italy ▼
|Uffizi Gallery, exterior
After only two days in Italy, I received a call while in Florence from my only remaining family member on my dad's side telling me he was back in the hospital with pneumonia and complications from his cancer treatment. I could not fly home to be with him, he started hospice care two days after our return, and I have since flown out to be with him and said a wrenching goodbye. He died yesterday.
On Monday of our trip we boarded our bus and traveled to Venice by way of Verona, where we visited Castelvecchio, an ancient castle built from 1354-1376 by Cangrande II della Scala, an ally of the Holy Roman Empire, on the location of a Roman fortress. Its seven towers, fortified walls, moat, and drawbridge, along with its bridge across the Adige River, were designed to protect him from his enemies and to provide a safe escape should the powerful families of Venice, Gonzaga, or Sforza attack.
|Castelvecchio, Verona, Italy
David at Castelvecchio
The castle is now a museum.
By Monday of our tour we were in Venice, and our daughter had become ill. Although she was achy and coughing, she was determined to make it to the Peggy Guggenheim museum to view works by her favorite artists. We pushed our way through the crush of the costumed revelers in the city for Carnevale and made it to the museum, but Kate was needing to stop to rest frequently. Riding the water taxis and breathing bitingly cold, damp air probably didn't help her condition.
|Kate at the Guggenheim collection, Venice
|Brook Hill students in masks for Carnevale, Venice
She progressively worsened as we moved on to Assisi--a town that appears as a fortress from the road below.
|Assisi, Italy
|Brook Hill families in Assisi
|Mr. Nelson and his Brook Hill student family in Assisi
By then we were looking for a pharmacy, and I was calling physicians back home for advice. The Italian pharmacist didn't have one of the medications I requested, sold me the wrong medicine and then wouldn't take it back, nearly sold me a substance that might have harmed my daughter, argued with me (through our tour guide's translation) about the antibiotic dosage, and finally sold me half the dose I requested.
I emerged from the pharmacy exasperated and anxious to give my daughter her first dose of the antibiotic. With much of our limited time already spent, we hurried to a coffee shop to get her a hot drink, only to discover that I had left my purse containing my passport, money, and credit cards at the pharmacy. I ran back in an absolute dither, hoping that no one had absconded with my purse. There's no telling what the pharmacist thought of this argumentative ditzy American woman physician!
The purse retrieved, we gave our daughter the medicine and then walked with our group to the Basilica di San Francesca, a place where the monks pray daily for peace. I was feeling anything but peaceful! There, six years earlier, I had sung with a choir on tour, experienced that peace, and participated in transcendent worship of our Lord through song. I was hoping for that peace again and for those with me to experience it as well.
|Interior of Basilica di San Francesca di Assisi
In the upper basilica I followed my daughter with my eyes, watching her as she sat down and silently gazed-- enraptured-- at walls, ceiling, windows, architecture. When I quietly joined her, she whispered, eyes glistening, "I think this is the most beautiful place I have ever seen." Then, as we made our way down the stairs towards the lower basilica, she stopped, cocked her head, and said, "I hear singing!" Returning to the church we discovered that a choir had assembled, slipper quiet, and was singing a capella, their voices resonating off the ancient walls and lifting our hearts toward Heaven. We listened in awe and wept at such beauty. Later, a tender-hearted teacher joined us in a private prayer for our daughter's healing before we left that holy place. The power was in the prayer though, not in the place.
|Kate at Basilica di San Francesca di Assisi
That evening we decided we would have to drop out of the tour activities to care for our daughter. She coughed most of the night. By morning, her temperature was nearly 103 degrees, and she was having trouble breathing, in spite of the ibuprofen and antibiotics she was taking. Nonetheless, we boarded the bus, headed towards Orvieto, and planned with the tour guide how we could find another pharmacy and, hopefully, obtain more antibiotic. While the tour guide went to the pharmacy for us in Orvieto, Kate leaned against the wall of yet another beautiful church and fell asleep!
|Duomo in Orvieto, Italy
Orvieto is a very ancient town on a high hill protected by walls and towers. People for centuries have sought safety behind those walls and in those towers. Beneath the city Etruscan tombs and tunnels wind through the bowels of the mountain of tufa rock. Popes and leading families used these tunnels to escape when threatened by danger.
The strongest tower and source of strength in Orvieto, however, was not located by the massive Duomo or up high on the fortified mountain. I saw it at the bottom of the hill where our school guidance counselor gathered the entire group to hold hands and surround Kate and pray for her healing and our peace. THAT was a strong tower--a tower of faith in the only One Who offers true safety, our Lord Jesus. It was the most beautiful sight of our entire trip.
|Sam Marrs, Deanda Brooks, Kate, Ashley Nelson
|Brook Hill students, teachers, and parents--the most beautiful sight of the trip when they prayed
From Orvieto we finally reached Rome where we retreated to our hotel room and put Kate to bed. After 16 hours of sleep, waking only for fluids and medicine, Kate finally woke with no fever. We were able to join the rest of the group for the final dinner in Italy and fly home the next morning.
One might consider our trip to have been a bust for us, but we don't think so. We learned that we have a family whose names belong on the family tree not because of DNA but because of Christ's blood given for us. This forever family of believers under the blood prayed for us as our brothers and sisters in Christ.
|Part of our forever family: Brian Nelson, Tim & Deanda Brooks, & Josh Ellison
We also found that the towers of Italy, though visually impressive, crumble with time and provide no real protection from the true dangers of this earth. Though they were used by popes and paupers, whether they be caves deep in the earth or fortresses made of stone, they won't protect us from death or keep us from the judgment beyond this life. Our Lord, however, is a strong tower that we may run to and there find safety, healing, and rest. He is our safe haven forever, and our strength for the here and now. .."we trust in the name of the Lord our God." Psalm 20:7b (NIV)
12The Lord Almighty has a day in store
for all the proud and lofty,
for all that is exalted
(and they will be humbled),
13for all the cedars of Lebanon, tall and lofty,
and all the oaks of Bashan,
14for all the towering mountains
and all the high hills,
15for every lofty tower
and every fortified wall,
and every stately vessel.
17The arrogance of man will be brought low
and the pride of men humbled;
the Lord alone will be exalted in that day,
18and the idols will totally disappear.
19Men will flee to caves in the rocks
and to holes in the ground
from dread of the Lord
and the splendor of his majesty,
when he rises to shake the earth.
20In that day men will throw away
to the rodents and bats
their idols of silver and idols of gold,
which they made to worship.
21They will flee to caverns in the rocks
and to the overhanging crags
from dread of the Lord
and the splendor of his majesty,
when he rises to shake the earth.
22Stop trusting in man,
who has but a breath in his nostrils.
Of what account is he? Isaiah 2:12-22 (NIV)


text:
1. Easy-Going Ape Joins Genome Club
Easy-going ape joins the genome club.
This week:
2. Dispute Over Largest Group of Human Fossils
Identity and age of the world's largest group of human fossils is in dispute. "Getting that wrong even affects how we construct our own evolution," says evolutionary expert.
3. Sweet Tooth
"We have evolved to need coercion," says Harvard biologist.
4. What is Man?
What is man? A series of lucky evolutionary accidents—a mutant masterpiece!
And Don't Miss …
As we reported last week, evolutionists lost a battle in the Korean educational system, and some "evolutionary examples" are being expunged from high school textbooks. Dr. Georgia Purdom has obtained additional information from a Korean creation scientist detailing how the Society for Textbook Revision, which is associated with the Korea Association for Creation Research and the Korean Evolution Research Society, has convinced the Korean Ministry of Education and textbook publishers to critically evaluate some of the iconic evidences used to support evolution. Changes are voluntary, and publishers are being encouraged to remove some examples because they are not based on sound observational science. Some iconic examples of evolution that are considered outdated even by evolutionists often remain in textbooks as if they were undeniable proofs. Be sure to read Dr. Purdom's analysis of this encouraging story. This is a good step forward, comparable to allowing open and critical discussion of the scientific evidences used for evolution in classrooms in this country. And vocal evolutionists are not happy about these developments. But the opponents of God's truth do not rest, so remember to pray for biblical creationists seeking to remove stumbling blocks to faith in God's Word in Korea!
For More Information: Get Answers
Remember, if you see a news story that might merit some attention, let us know about it! (Note: if the story originates from the Associated Press, FOX News, MSNBC, the New York Times, or another major national media outlet, we will most likely have already heard about it.) And thanks to all of our readers who have submitted great news tips to us. If you didn't catch all the latest News to Know, why not take a look to see what you've missed?
(Please note that links will take you directly to the source. Answers in Genesis is not responsible for content on the websites to which we refer. For more information, please see our Privacy Policy.)


text:
If you have a temporary medical condition or injury which may affect your ability to sit your exams as normal then you must contact your Faculty Registrar immediately via your Faculty Office whilst copying in email@example.com.
If you require temporary support for an exam you'll need to give your Faculty Registrar a letter from your GP a minimum of five working days before your exam. If this doesn't happen, the University won't have time to put any modified assessment provisions in place for your exam.


text:
X Ray Spex
Cleaning up old hard drive and found this fine portraiture of 90s 5'aleeji intelligentsia in their finest facial wear. If you recognise any of these men from their visual aids. LMK. I can positively identify only one, Ahmad Yousef.
Last week, Shumon Basar asked me to write an open letter to Kurt Cobain and to my younger self in the 2nd person for an edition of his ongoing Live Magazine, FORMAT at the AA this week. It is exciting to be asked to write something about America instead of Qatar for a change! SEE THE LARGER … Continue reading


text: We're all about new music here at Amplified. The other day I received an email with some info on the awesome Diamond Days. Hailing from Liverpool, these guys have already opened for some huge bands including Metro Station, Motion City Soundtrack, The Blackout and Fearless Vampire Killers. They're currently in the studio recording their second EP. Check out their track 'I Rewind' below featuring Yashin's Harry Radford. It's a banger.


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Taj Mahal gate minaret collapses due to heavy rain
Agra: The stone minarets on the south and royal gates of the Taj Mahal collapsed after heavy rain and thunderstorm in Agra on Wednesday. A north-west 12 feet metal pillar at the entry gate which is known as Darwaza-e-Rauza and a flower vase in stone and a brass filial was brought down as winds with velocity of over 130 km per hour swept the city. Similar loss happened at the southern gate too, said Ankit Namdev, conservation assistant of the Archaeological Survey of India (ASI) at Taj Mahal, reported HT. Taj…Read More


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GMC Acadia is a fullsize SUV crossover produced by GM "off-road" division. Made on the General Motors platform named "Lambda", which is famous for its sustainability and low center of gravity, and as it's same-platformers Chevrolet Traverse, Buick Enclave and Saturn Outlook, is available in the Lansing Delta township Assembly, located in state Michigan (except the last one, in connection with the termination of its release). Lately was replaced by the mid-size Envoy SUV and in GM lineup and now is between full-size Terrain crossover and Yukon off-road.
2017 GMC Acadia renewed platform
The earlier model was built on the Lambda GM platform. Presented in 2006, this GM architect is a platform for fullsize crossovers. Consequent from a similar old GM Epsilon, used or has been used in the Chevrolet Traverse, GMC Acadia, Buick Enclave and Saturn Outlook. Developed renewed GM C1XX platform is expected to substitute it in the close future.
Also read about 2017 Honda CRV
2017 GMC Acadia redesign
A prototype of the modernized crossover is quite heavily camouflaged, but appears smaller than its ancestor appears and has a more rounded shape. You will notice the protruding front grille, wider fenders, exhaust system with two pipes and roof rails.
2017 GMC Acadia specs
General Motors was very reticent about the new model, but, as expected, the car will be built on an stretched revision of the C1XX / Chi platform, which serves as the basis for new Cadillac XT5 models. Information is also not officially definite, but the range of engines could include a 2.0L 4-cylinder turbocharged option and a new 3.6L power unit.
- WheelsizeP255/65R18, P255/60R19
- Frontsuspension — independent, typeMacPherson, aluminiumarmsandstabilizerbar
- Rearsuspension — independent, multi-linkH-shapedstabilizationlateralstability
- Turningdiameter — 6,2m
- Frontbrakes — disc, ventilated
- Rearbrakes — disc, ventilatedwithABS.
You also might be interested in 2017 GMC Terrain specs
2017 GMC Acadia equipment
The basic equipment of the car audio system is equipped with OnStar or Sirius XM, without key access, sunroof, air conditioning, cruise control, leather interior, rear view camera, etc. In rich trim includes 19-inch wheels, memory settings, mirrors and seats, Bose sound system, climate controls and available air-conditioned seats, touchscreen displays navigation and audio system etc. safety system has 6 or 7 airbags, electronic stability control, StabiliTrak, EBA, ABS and EBD system and located between the front seats center airbag
Also read about the 2018 Land Rover Defender
2017 GMC Acadia release date
An updated GMC Acadia crossover of 2017 model year, is likely to be unveiled early next year, and will go on sale in late summer 2016.
Release date: late summer 2016
Also read about the 2018 Honda Pilot release date
2017 GMC Acadia price
In the price range of General Motors vehicles is between Buick Enclave and Chevrolet Traverse. Prices in USA start at $34 000.


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Sometimes Christians will say they are "born again." What does this mean? The term comes from John 3:1-21 where Jesus is talking to Nicodemus. This man had come to Jesus at night with a lot of questions. He said, "Rabbi…we all know that God has sent you to teach us. Your miraculous signs are evidence that God is with you." Jesus replied, "I tell you the truth, unless you are born again, you cannot see the Kingdom of God."
This confused Nicodemus! He couldn't imagine how and old man could go back into his mother's womb and be born again! Jesus explained that he was referring to being born again spiritually. Jesus told Nicodumus, "And as Moses lifted up the bronze snake on a pole in the wilderness, so the Son of Man must be lifted up, so that everyone who believes in him will have eternal life. For God loved the world so much that he gave his one and only Son, so that everyone who believes in him will not perish but have eternal life. God sent his Son into the world not to judge the world, but to save the world through him."
The term "born again" literally means "born from above." That makes more sense, doesn't it? When we begin a relationship with Jesus, He changes our heart and gives us a new beginning. We are born into His family! First Corinthians 5:17 explains, "This means that anyone who belongs to Christ has become a new person. The old life is gone; a new life has begun!
So, why does a person need to be born again? Before a person becomes born again, they are spiritually dead because of sin. Ephesians 2:1 says, "Once you were dead because of your disobedience and your many sins." When they are born again, their sins are forgiven and they start a relationship with Jesus.
If you haven't been born again, we encourage you to trust in Jesus. He came to Earth to die for your sins on the cross. He was buried and He rose again. He is offering you the gift of salvation. Ephesians 2:8-10 says, "God saved you by his grace when you believed. And you can't take credit for this; it is a gift from God. Salvation is not a reward for the good things we have done, so none of us can boast about it. For we are God's masterpiece. He has created us anew in Christ Jesus, so we can do the good things he planned for us long ago."
Trusting in Jesus for your salvation is the only way to be born again. If you have questions, talk to your ISI staff. They will be excited to share the plan of salvation with you.


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Of course, once you live in this magical cat playground, nobody's house is going to be able to top it.
If you see a black and white cat staring at the wall, don't worry, he's not catatonic. He just really misses Mike, whose office is on the other side. He's not allowed in the office, so pick him up and give him some love. He'll feel better.
Ok, the sign did not actually say "catatonic"--but come on, serious missed pun opportunity there.
Also, just the fact that this sign had to exist is seriously adorable. Just look at him: so full of devotion and yearning that his little cat heart might explode.
That said, ice cream is still delicious, and cats are still cute--scheduled or not.


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Meet Your New Blue Dog Overlords
Of the twenty-seven Democrats who voted with the Republicans to oppose Obama's stimulus bill, twenty-one were Blue Dogs:
But according to Democratic leadership sources, the number was almost much higher – and could have been high enough to hand the Republicans a monumental victory – had it not been for a letter from President Obama's budget director Peter Orszag.
The letter addressed to House Appropriations Committee Chairman David promised to return to "pay-as-you-go budgeting," and stressed that the stimulus was an "extraordinary response to an extraordinary process" and thus subject to different rules.
"It should not be seen as an opportunity to abandon the fiscal discipline that we owe each and every taxpayer in spending their money – and that is critical to keeping the United States strong in a global, interdependent economy," the letter stated.
Orszag also emphasized that Obama's support for paying for any temporary tax cuts in the stimulus that he would like to make permanent. The budget director said Obama would detail those offsets in his budget.
"Moving forward, we need to return to the fiscal responsibility and pay-as-you-go budgeting that we had in the 1990's for all non-emergency measures," Orszag continued. "The President and his economic team look forward to working with the Congress to develop budget enforcement rules that are based on the tools that helped create the surpluses of a decade ago.
A commitment to "paygo" right now is problematic for a lot of reasons, not the least of which is that it could doom any meaningful healthcare legislation. But the fact that Obama was forced to kneel to Blue Dog demands is as clear an example as I can think of about something we've been saying for a long time — the Blue Dogs now hold the power in the House to either join with Republicans or Democrats and control what legislation gets passed. If eight more Blue Dogs had crossed over and voted against the bill, it would have failed.
In the Chris Bowers/Nate Silver discussion about whether supporting the bank bailout bill was the progressive position or not, Chris brought up the fact that there was a distinction between the members of the conservative New Democrat Coalition and the Blue Dogs and how they voted. Kagro made a very interesting point in the comments:
[O]ne ideological difference between Blue Dogs and New Dems is that Blue Dogs more often appear to have a political interest in being seen as distinct fromDemocrats rather than being a distinct type of Democrat, as is the claim of New Dems.
New Dems and Progressives have a political interest (at least at this stage of the game) in allowing themselves to be closely associated with the Obama administration, and in being seen not to be obstructing it. Blue Dogs, however, are a different story. They will, in large part, benefit politically by distancing themselves, and being seen as only skeptical, cautious and hesitant participants in his plans.
In other words, it wasn't so much that the bailout is a progressive thing as it was that not opposing Obama is politically beneficial to most progressives. It's also an old (and not that good) habit of progressives — to allow their safe seats and sense of responsibility for sustaining the Democratic leadership (both legislative and executive) to be leveraged into votes that may not necessarily be in line with their principles. Or at least to subsume their ideological principles to their political ones.
You'll recognize it as the "where else are they gonna go" syndrome. Or in this case, the "you're not really going to make your new president and leadership risk XYZ, are you?" syndrome.
Howie has more on the Rahm Emanuel legacy of recruiting conservatives to run as Democrats. Republicans love the Heath Shuler enforcement-only immigration bill and if enough Blue Dogs join with Republicans to get it on to the floor, Congressional Quarterly notes that "it would set up a platform for political attacks in the November elections, highlighting the GOP view that Congress should get tough on the border before addressing guest-worker visas or illegal immigrants." In other words, as Howie says, it could "wind up jeopardizing the re-election prospects of several vulnerable colleagues."
Making the Blue Dogs pay a price for this kind of sabotage is why we formed Accountability Now and launched the Primary project, and we'll be having some major announcements about this in the coming weeks. But is important to note that if left unchecked, the Blue Dogs could become a bigger obstacle than the Republicans to the change people voted for in November.


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December 16, 2009
Khaleejia said: Hala my dear readers!
I just returned from a trip abroad that's why my blog was not updated for long time.
Thanx a lot for all of ur comments ^_^
I missed u all a lot! I'm going to post new things soon.
Love. Khaleejia ;)
3 comments:
Subscribe to: Post Comments (Atom)


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Practice Areas
J.D., Case Western Reserve University, 1982
B.A., University of Cincinnati, with Honors, 1979
Bar Admissions
- State of Ohio, 1982
- U.S. District Court, Northern District of Ohio, 1982
- U.S. District Court, Southern District of Ohio, 1983
My goal is to solve problems efficiently while aggressively defending the interests of my clients.
Jim is the Chairman of the firm's Trucking and Commercial Transportation Practice Group. Since joining the firm as a law clerk during his first year of law school, Jim has specialized in the defense of truck companies and their insurers in matters both routine and catastrophic. He has tried nearly 100 cases to a jury throughout the State of Ohio, as well as in the Federal District courts. Jim has also appeared before the Ohio Supreme Court and the Sixth Circuit Court of Appeals.
In addition to his extensive trial experience, Jim has performed hundreds of 'on-scene' accident investigations and is in charge of the firms 24-hour emergency response team. He is a featured speaker to peer and industry groups on topics related to transportation litigation.
Honors & Recognitions
Listed in Best Lawyers in America for Transportation Law, since 2007
Selected as Best Lawyers "Lawyer of the Year" 2014-Transportation Law-Cleveland
Listed in Marquis Who's Who
Recognized as a Super Lawyer by Ohio Super Lawyers Magazine
Professional Memberships & Community Affiliations
Ohio State Bar Association
-Continuing Legal Education, Litigation Section, 2000-2005
Defense Research Institute
American Transportation Association
Transportation Lawyers Association
Transportation Insurance Defense Association
Ohio Trucking Association
Cleveland Metropolitan Bar Association
-Continuing Legation Education, Litigation Section, 1989-2005
- Grzely v. ABF FreightOctober 31, 2011, Defense VerdictCuyahoga
Defense of wrongful death trucking liability claim.
- May 18, 2011, ReversedSupreme Court of Ohio
Defendant appeals Court of Appeals finding of Attorney-Client relationship with corporation when attorney only hired by dissident shareholder/ director
- Kolenda v. L. Hodges, et al.February 25, 2009, Defense VerdictLorain
Defense of trucking liability personal injury claim.
- E/O Strumbo v. Mason Dixon Truck LinesOctober 19, 2007, Plaintiff VerdictCuyahoga
Defense of wrongful death trucking liability personal injury claim.
- Press Release, November 27, 2019
- Press Release, August 15, 2019
- Press Release, December 5, 2018
- Press Release, August 15, 2018
- Press Release, December 6, 2017
- Press Release, August 15, 2017
- Press Release, December 2, 2016
- Press Release, August 15, 2016
- Press Release, December 2, 2015
- Press Release, August 17, 2015
- Press Release, December 3, 2014
- Press Release, August 18, 2014
- Selection Includes 30 Super Lawyers and 16 Rising Stars Across Ohio and KentuckyPress Release, December 5, 2013
- Press Release, August 19, 2013
- August 16, 2013
- Press Release, December 17, 2012
- Press Release, August 24, 2012
- Press Release, December 16, 2011
- Trucking and Commercial Transportation Law Co-Chair James Turek Quoted in Crain's Cleveland Business Article on Social MediaCrain's Cleveland Business, October 3, 2011
- Press Release, August 31, 2011
- Reminger Co., LPA Voted Transportation and Logistics Firm of the Year, USA by Finance Monthly MagazinePress Release, May 18, 2011
- The Medicare Set Aside ActHarmonie Transportation Conference, Denver, CO, October 16, 2015
- Trucking Liability Strategies in OhioNuverra In-House Seminar, Scottsdale, AZ, April 15, 2015
- Personal injury claims The Insurance Defense PerspectiveNational Business Institute CLE - Cleveland, OH, October 9, 2013
- Confronting Bias Against Truck DriversHarmonie Group Trucking and Construction Conference - Chicago, IL, June 21, 2013
- Ohio Law on Trucking and Commercial TransportationJuly 30, 2009
- Trucking and Commercial Transportation Eblast, December 18, 2014


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Canberra Children's Choir & Youth Choir win at the National Eisteddfod!
Friday 21st August 2015
A huge congratulations to the Canberra Children's Choir & Youth Choirs, conducted by Greta Claringbould, who were awarded a silver & gold medal respectively, in the 'Choir 12 Years & Under; and 'Choirs 18 Years & Under' sections of the 2015 Australian National Choirs Eisteddfod on Friday 21st August, at Llewellyn Hall.
Our Choirs Conductor, Greta Claringbould, said:
"The Canberra Children's Choir was placed with a silver medal. For a small choir we made a tremendous impact and filled Llewellyn Hall with double the sound of choirs numbering 60 plus. Our dynamic variation, color, diction and tone quality were all most excellent. Well done for your very fine performance, demonstrating that a bigger choir is not always better.
The Canberra Youth Choir was placed with a gold medal – congratulations and very well done! The Youth Choir performed sensitively in the 'Chilcott' with a beautifully even and pure tone, and thoroughly energetically in 'Oye'. The Adjudicator was complimentary of our Spanish delivery. An excellent achievement for a newly formed young teen group."
We're proud of all our talented young performers! Sincere thanks must also go to our hard-working staff, & the volunteer parents who make it all happen.


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Bee Wellness, Hands on Hive (BYBA Bee Yard, Easton)
This will be the first of two Bee Wellness workshops. This is the apiary portion, covering proper hive inspection techniques, identifying unhealthy colonies, specimen collection for in-field testing such as mite sugar rolls, and record keeping.
This workshop will be held at the BYBA queen rearing bee yard at Trout Brook Valley, near Aspetuck Orchards Apple Barn.
Contact Bobbie Meyzen at (203) 948-3529 or firstname.lastname@example.com
- Please remember that sign-up is required and that registered participants should plan to attend both workshops. Please email or call Bobbie Meyzen to register (firstname.lastname@example.com or 203-948-3529).
- The workshops are limited to adults only.
- The first workshop is hands on so we will also require protective veils and gloves for each participant to bring with them to the yard. We also recommend bringing a folding chair as seats are limited at the bee yard.


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BEING and the NSW Institute of Psychiatry are running a 3-day Consumer Advocacy Workshop. Through the workshop, consumers will improve their understanding of, and confidence in, consumer advocacy and representation.
This course, facilitated by BEING's CEO Dr Peri O'Shea, is suitable for beginners who are just starting out, as well as consumers who are already working in the space who may want to brush up on their advocacy skills or fill in the gaps with insight that has not been presented in other settings.
Over 3 full days, the workshop will cover the following topics:
- Advocacy and Social Justice Principles
- Consumer Advocacy
- Consumer Representation
- Looking after yourself
- Committee Skills
- Looking after yourself
- Networking
- Essential knowledge and skills for advocacy
- Evaluations
The Consumer Advocacy Course is restricted to consumers only, that is, people who have personal experience of living with mental illness.
Being will be sponsoring a limited number of consumers to attend this course. If you are interested, please download an application form here: Consumer Advocacy Course and return it to us by Sunday the 1st of May, 2016.
Workshop Details:
Dates: Tues 10 May – Thur 12 May 2016
Time: 9.30 – 3.30pm
Fee: $245
Registrations: Ms Marion Young
Email: email@example.com
Phone: 02 9840 3833
Venue: NSW Institute of Psychiatry
Lecture Room 8, Building 103
Cumberland Hospital
5 Fleet Street
North Parramatta NSW 2124
For more information, visit the course website by clicking here


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LOS ANGELES (Reuters) - Jonathan Quick was rewarded for his brilliance between the pipes when the Los Angeles Kings netminder lifted the Conn Smythe Trophy as the NHL playoffs most valuable player after helping his team win their first Stanley Cup on Monday.
Armed with reflexes to match his surname, the 26-year-old became the second consecutive goalie to win the award following Boston's Tim Thomas a year ago, with a series of brilliant postseason performances.
The Kings compiled a 16-4 record on their march to glory, a statistic rendered all the more remarkable considering they finished the regular season as the eighth and final seed in the Western Conference.
During the best-of-seven finals against the New Jersey Devils, won 4-2 by the Kings, Quick allowed just seven goals but is likely to remain a notoriously shy and reluctant star despite his new-found recognition.
"I don't see it changing too much," he told reporters after Monday's series-clinching 6-1 romp.
"I think the attention the team's going to get is great. That's something we have been looking for in this market for so long, is to get that attention towards hockey.
"It's just an honor to be on this team. I'm glad to be a part of it."
A silver medalist with the U.S. team at the 2010 Winter Olympics in Vancouver, Quick had been an inspiration to his team all season, providing a near impenetrable force in goal.
He led the league with a franchise-record 10 shutouts and posted the second-lowest goals-against average. Unsurprisingly, he was included on the shortlist for the Vezina Trophy, given to the NHL's top goalie during the regular season.
Quick made a rare blunder in the fifth game when he allowed the Devils to score but said he did not let that damage his confidence.
"You make mistakes. Everybody makes mistakes. It's part of the game," he said.
"You can't be a hundred percent every time, make the best play every single time.
"I don't think they (his team mates) were looking for me to say anything. I didn't feel like I needed to say anything. Obviously, you just want to get out there and stop the next shot. That's all you try to do."
Raised in Connecticut, Quick grew up as a New York Rangers fan but moved to California when he was drafted by the Kings in 2005 and has been with the team ever since.
The Kings were considered long-shots to win the Stanley Cup after entering the playoffs as the lowest seeds in the Western Conference but rode a purple patch of form all the way to the title.
Los Angeles raced to a 3-0 lead in the finals series but stuttered with the finishing line in sight with two straight defeats before Monday's thrashing of the Devils sent a packed Staples Center crowd into raptures.
"You just keep reminding yourself how dangerous a team they are. The second you become relaxed, get your mind off what you're supposed to be doing, that's when they're going to take advantage of you," Quick said.
"But obviously, when we scored that fifth goal, the empty-netter, that's when you take a big, deep breath, relax a little bit, and know it's going to happen."
(Editing by John O'Brien)


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Download our State of the Phish™ Report
Explore data from tens of millions of simulated phishing attacks, plus strategies for reducing risk.
Each year we ask security professionals to tell us what they think the single biggest security threat of the following year will be along with a one sentence explanation. This is a totally subjective answer (and many individuals naturally highlight problems that relate to their own solution).
Out of 72 usable responses we found a strong leaning towards ransomware (11 responses) and employees (12) while IoT (6) and threats to critical infrastructure (5) were also raised by multiple individuals. The responses have been grouped below in the following sections:
Last year the single biggest threat suggested by security professionals was the Internet of Things with 26 responses, while ransomware – which has probably been the biggest threat of 2017 – was only mentioned twice.
In 2016, 14 of the experts we spoke to suggested employees and this seems to be firmly back on the list for next year.
Results of previous polls can be found here:
All usable responses are cut down to a single sentence and grouped by theme below.
The reality is that your employees are and almost certainly will always be the biggest threat to cyber security.
Tim Hall, CTO at Blue Logic
Whether they are the negligent executives that fail to implement proper cybersecurity policies, unwitting insiders that fall victim to phishing emails, or naive employees that fail to appropriately patch and update their computers, people remain the soft underbelly that malicious actors will exploit to compromise an organisation.
Steve Lakeman, research team at ThreatConnect
Cyber criminals are more professional, sophisticated and well-organised than ever before, which makes it tough for end-users to properly defend themselves - a 'patch-work' approach simply will not suffice, and digital cyber security must be a continuous and on-going process to succeed.
Eric Berdeaux, CEO at OXIAL
Technology plays a massive part in our lives today, so much so that we typically take it for granted.
Richard Kennedy, Director of Cloud Services & Infrastructure at Xperience Group
The biggest cybersecurity threat in 2018 will be the one that catches organisations unaware; the malicious insiders that are even now quietly syphoning off data and secrets from their most secure databases, by taking advantage of a mainframe blind-spot that research shows exists in 84% of global organisations.
John Crossno, Product Manager at Compuware
As phishing attacks become more sophisticated and socially engineered attacks continue to rise, the real target isn't infrastructure – it's the user.
Joe Diamond, Director of Security at Okta
Companies need to be aware of the threat of rogue insiders, particularly when it comes to people in more junior positions with access to sensitive data, who may be disillusioned or less security-savvy than more senior staff.
Andrew Avanessian, COO at Avecto
The single biggest security threat for 2018 will be the same as it was in 2017 – users – we need to accept that users will continue to behave insecurely, and deploy systems that will protect them by design when they make mistakes.
Fraser Kyne, EMEA CTO at Bromium
Cybercriminals, like any good business, are looking for the most cost effective model to achieve their goals; 2018 may be the year of an inflection point where it is more cost effective to utilise insiders instead of producing malware, resulting in a dramatic decrease in the amount of malware discovered.
Tim Brown, VP of Security at SolarWinds MSP
Cyber security is still being treated as an IT issue and yet most of the biggest breaches resulted from some muppet clicking on a phishing email link, plugging a USB in or doing something just plain stupid, so how many companies now run regular cyber threat awareness update sessions for their staff (all staff!)?
John Davies, Director at Pervade Software
Users with elevated or privileged rights are still the primary target for hackers, and the tendency in recent data breaches shows that once passwords are stolen, organisations struggle to detect harmful actions executed with hijacked accounts - unless they can spot abnormal behaviour of their users.
Csaba Krasznay, Security Evangelist at Balabit
People are the weakest link in any organisation's security chain – if cyber criminals can get through to employees, they are almost certain to be successful in hacking into the organisation.
Martin Ewings, Director of Regional Sales and Specialists Markets UK&I at Experis
We expect to see an increased number of ransomware attacks on higher value data, even more damaging than WannaCry and Petya; military institutions and banks could be next on the hit list, as hackers might look to exploit these hugely powerful institutions for even bigger financial benefits.
David Navin, Corporate Security Specialist at Smoothwall
Hackers may go as far as locking owners out of their houses – by infiltrating their smart locks – until they pay to get back in.
Jason Hart, CTO of Data Protection at Gemalto
I think commodity ransomware will continue to be the biggest threat in 2018 - almost everyone is a target, and the effects can be devastating.
Chris Doman, Security Researcher at AlienVault
Ransomware will continue to be a key threat next year – it's neither new nor novel but it's simple to write, has been proven to be effective, and can be an incredibly lucrative avenue for hackers to exploit.
Holly Williams, Penetration Tester at Sec-1
As long as organisations remain vulnerable to attack and slow to recover, it will continue to succeed as a 'go to' strategy for cyber criminals.
Gary Watson, Founder and CTO at Nexsan
Ransomware will become more targeted by looking for certain file types and targeting specific companies such as legal, healthcare, and tax preparers rather than "spray and pray" attacks we largely see now.
Brian Baskin from the Threat Analysis Unit (TAU) at Carbon Black
Targeted ransomware, because when essential services are targeted specifically, the value of the locked data is huge and the consequences are vast – meaning, the cyber criminals can demand higher and higher ransoms.
Linus Chang, CEO and Founder of Scram Software
GDPR comes into effect next year and has the potential to carry very large fines for companies handling the PII of EU citizens; malicious parties may see this as an easy way to make financial gains by targeting PII in attacks and holding it to ransom.
Thomas Fischer, Global Security Advocate at Digital Guardian
Having witnessed the impact of this year's high-profile ransomware attacks, such as the one that almost brought down the NHS, ransomware will continue to be even more targeted in 2018 as hackers seek top businesses, banks, healthcare institutions and other national-critical organisations to implement even more vindictive, sneaky, and potentially life-threatening attacks –leading to panic if organisations are unable to detect and stop incoming attacks quickly, before damage is done.
Ross Brewer, VP and MD of EMEA at LogRhythm
In 2017, disruptive ransomware has become the weapon of choice for cyber-criminals due to monetisation which reflects the successful digital transformation of organised crime – as is evident from the nearly daily reports of cyber-attacks in the press, I only see this threat getting worse in 2018.
Chris Goettl, Manager, Product Management for Security at Ivanti
Ransomware will increasingly target Linux systems in an effort to further extort larger enterprises - for example, attackers will increasingly look to conduct SQL injections to infect servers and charge a higher ransom price.
Param Singh from the Threat Analysis Unit (TAU) at Carbon Black
Reports already show an increase of 280% in IoT attacks in the first half of 2017 alone, this will increase in 2018 with more and more devices becoming connected.
Patrick Clover, Founder of BLACKBX
The IoT-connected world that surrounds each and every one of us is getting more complex, sharing more of our data in evermore opaque ways and getting less easy for the average user to understand, let alone to have any hope of controlling a perfect security storm.
Nigel Harrison, CEO at Cyber Security Challenge UK
We have already seen what IoT devices can do when pooled together by hackers to conduct a DDoS attack, imagine what will they be able to do when re-provisioned for Web Application, Credential Abuse or over the horizon threats.
Jay Coley, Senior Director of Security Planning and Strategy, EMEA at Akamai Technologies
Proliferation of Attacks against Internet of Things (IoT) and Operational Technology (OT) such as Industrial Control Systems: These systems are the interface between cyber and the physical world and are poorly secured against attack and successful compromises have life safety implications.
Chris Day, CSO at Cyxterra
Frederik Mennes, Senior Manager of Market & Security Strategy, Security Competence Center at VASCO Data Security
Due to the perfect storm of sprawling supply chains, rampant outsourcing, and the rise of IoT, 2018's biggest security risk could be Third-party Access Point Attacks or TAP Attacks, in which hackers target businesses via vulnerable suppliers and partners.
Andy Waterhouse, EMEA Pre-Sales Director
The biggest cybersecurity threat in 2018 will be to critical infrastructure — their corporate IT networks as well as operational technology (OT) including devices for industrial control systems (ICS) and supervisory control and data acquisition (SCADA).
Justin Coker, VP EMEA at Skybox Security
Sophisticated cyber-attacks will become more unpredictable and take forms we have not seen before.
Salvatore Sinno, Chief Security Architect at Unisys
We are likely to see a massive cyberattack on national infrastructure, similar to the attack that brought down the NHS, but this time with hackers targeting CCTV equipment – many of which are open to risk because they sit outside of high security IT and are not regularly updated with firmware.
James Wickes, CEO and Co-Founder at Cloudview
The political landscape is like a tinderbox right now, we just need one wrong tweet from a world leader directed at another, or a wannabe, and it could kick off a cyber war.
Andrew Martin, Founder and CEO at DynaRisk
2018 will undoubtedly see a big increase in cyberattacks on critical infrastructure worldwide, with phishing continuing to be a key point of entry.
Alan Levine, Security Advisor at Wombat Security Technologies
Spear phishing (targeted phishing) will become more sophisticated, leveraging or impersonating respected brands and directing unsuspecting users to realistic destinations to harvest credentials and other personal information.
Fabian Libeau, VP EMEA at RiskIQ
In early 2017, 61% of InfoSec professionals reported experiencing spear phishing attacks, and this year has seen a number of high profile attacks hit the press, from Amber Rudd (responsible for cyber-security in the UK) to Tom Bossert (cyber-security advisor in the US) being affected.
Amy Baker, VP, at Wombat Security Technologies
Shortage of affordable skills
It may feel like a bit of an old chestnut, but a shortage of available and affordable people to fill gaps in cyber security positions at all levels continues to hold back progress – including both potential trainees, and people with experience in the field.
Dr Robert Nowill, Chairman of Cyber Security Challenge UK
I expect 2018 will be the year that security teams become totally overwhelmed by the sheer number of threats they face – which could potentially have catastrophic implications, as a result, organisations will face the choice of either making millions of security experts appear from thin air – ISACA predicted there'd be a shortage of two million by 2019 – or find alternative ways to use advanced intelligence, analytics and automation to deal with this critical problem.
Piers Wilson, Head of Product Management at Huntsman Security
These file-less attacks are capable of causing havoc and stealing data by using approved, native operating system tools, such as PowerShell.
Mike Viscuso, Co-Founder and CTO at Carbon Black
This type of malware operates by appending the attack to legitimate services and remaining in the memory portion of devices.
Raef Meeuwisse, ISACA governance expert and author of Cybersecurity for Beginners
With values continuing to climb, we are likely to see 'normal' people inflate the bubble and provide the demand for cybercriminals to supply the market with precious cryptocurrency.
Josh Mayfield, Platform Lead of Immediate Insight at FireMon
Next – instead of working hand-in-glove with a security services provider to protect customer data – too many of them will simply buy cyber-attack insurance, which is really just about passing the buck and does nothing to address the actual problem.
Srinivasan CR, Senior Vice President of Global Product Management & Data Centre Services at Tata Communications
Quite a few vendors are reducing the information they provide, while many individuals and the media are overhyping issues presented to the masses – this combination will eventually create a perfect storm of security misinformation that will cause issues that are actually critical to be overlooked.
Tyler Reguly, Manager, Vulnerability and Exposure Research Team at Tripwire
Even after all the publicity from incidents such as WannaCry, and with GDPR incoming, we still see a lack of basic cyber hygiene in the public and private sectors, as well as from individuals.
Vince Warrington, Director at Protective Intelligence
These readily available vulnerabilities are already known to the security community and the best possible defence is to patch all devices as soon as possible and use some sort of vulnerability management.
David Fearne, Technical Director at Arrow ECS
The key takeaway from the recent, major data leaks is that our communications systems are not secure.
Rick McElroy, Strategist at Carbon Black
Minimising the exposed 'skin' of a business through good practice and technology goes a long way, but planning for when the unthinkable happens is also key.
Mike Simmonds, CEO at Axial System
This is the ability of companies to be easily distracted by the latest bright and shiny security threats, resulting in a failure to concentrate on key security issues and adequately protect data.
Ian Kilpatrick, EVP of Cyber Security for Nuvias Group
There will be widespread adoption of machine-learning based facial recognition tools as many companies follow in the footsteps of technology giants such as Apple.
Barry Shteiman, Director of Threat Research at Exabeam
As unsanctioned messaging platforms like Slack and HipChat spread, they enable rapid communication and file sharing, obviating the need for conventional tools like email and causing IT to lose visibility and control over corporate data.
Mike Schuricht, VP of Product Management at Bitglass
The biggest security threat will remain our half-hearted approach to this very real risk.
Oz Alashe, CEO at CybSafe
The most important threat comes from unauthorised technology installations by users, also known as Shadow IT - a major challenge for IT departments worldwide, increasing the attack surface of organisations and exposing them to serious cyber risks not to mention the risk of severe financial penalties following incoming regulation like GDPR.
Matt Middleton-Leal, General Manager of EMEA at Netwrix
The biggest threat will be for organisations who fail to monitor the security in the software development lifecycle within the whole context of a client's coding and IT infrastructure – the move towards open source tools and libraries created by third parties means IT suppliers need to build in a fail-safe approach to avoid exposing their software to vulnerabilities or breaches created much lower down the chain.
Phil Lea, Head of Security & Compliance at Advanced
Email will continue to be the biggest security threat in 2018 as it is the easiest and lowest risk way to directly attack employees with phishing, ransomware, and impersonation attacks.
Steve Malone, Director of Security Product Management at Mimecast
I think the biggest threats will be against "co-processors" (i.e. the chips that control things like cellular and Wi-Fi radios, instead of doing the main processing).
James Plouffe, Lead Solutions Architect at MobileIron
The biggest problem in a lot of the affected organisations has been patching old, well-known vulnerabilities.
Neil Anderson, Director of Security Services at Assure APM
A new calendar year will not see breaches suddenly cease, or board members waking up to the threats they face.
Chris Pogue, Head of Services for Security and Partner Integration at Nuix.
This is where software used widely by enterprises will be back-doored and operate as Trojans into corporate and enterprise environments.
John Bambenek, Threat Intelligence Manager at Fidelis Cybersecurity
Bricking of systems will be a 2018 trend as hackers effectively turn expensive hardware from modern computing devices to nothing more than inert mass. Examples of this include destruction-ware, some bios attacks, router attacks and anything that basically breaks computer and network hardware.
Sam Curry, CSO at Cybereason
2018 will see the increase in targeted attacks from nation state actors to industry, with more of a focus on financial gain than political or military advantage.
Joep Gommers, CEO at EclecticIQ
Human beings at the end of the phone line are an enormous data security risk.
Ben Rafferty, Global Solutions Director at Semafone
Infrastructure-as-a-Service (IaaS) and Platform-as-a-Service (PaaS) attacks will see massive tranches of data from organisations being taken from the cloud, without IT/security team even knowing.
Matt Walmsley, EMEA Director at Vectra
The single biggest security threat of 2018 will be the failure of businesses to implement a structured cyber security strategy.
Steven Kenny, Business Development Manager for Architecture and Engineering at Axis Communications
The biggest cybersecurity threat in 2018 will be the speed with which the bad guys are evolving, which means that tried and tested cybersecurity defences are no match – the only way to remain protected is to adopt a dynamic approach to cybersecurity.
Maninder Singh, Corporate Vice President & Global Head of Cybersecurity at HCL Technologies
Attack types will not change, rather the target of the attacks will evolve.
Ryan Wilk, VP at NuData Security
Broken software is by far the biggest security threat on planet earth right now.
Dr Gary McGraw, Vice President of Security Technology at Synopsys
Our recent Security in Enterprise research showed that 47% of organisations had experienced some form of malware or ransomware attack in the last two years, facilitated by the rise in unknown malware - I fully expect this will continue to be one of the biggest threats of 2018.
Shane Grennan, Director Regional Accounts for UK&I at Fortinet
The biggest security threat in 2018 will be the lack of discipline in both patching known vulnerabilities and analysing application systems for security-related weaknesses.
Bill Curtis, SVP and Chief Scientist at CAST and Executive Director at the CISQ (Consortium for IT Software Quality)
Cyberattacks are barely out of the news at the moment, and when conducting an M&A deal or other business-critical transaction, confidentiality and data integrity is of the utmost importance – meaning that all of the sensitive documents associated with a project need to be adequately protected.
Gary McKeown, Group Managing Director at Imprima
Hackers are going to the source, modifying standard software development tools in order to seed new applications with malware.
Gerhard Oosthuizen, CIO at Entersekt
The biggest risk for 2018 is your software supply chain.
Josh Zelonis, Senior Analyst at Forrester
The biggest threat to most organisations will continue to be a lack of understanding of where they have actual risk in their organisation, and the misallocation of security resources that generally results from this lack of understanding.
Jim Hietala, VP of Security at The Open Group
Public awareness and scrutiny of data breaches and how secure their data is will shift next year—not just because there will be more large-scale breaches, but because reporting rules will change thanks to GDPR.
Thomas Bostrøm Jørgensen, General Manager for EMEA at AllClear ID
The biggest security threat that will hit businesses will continue to be attitudes in relation to cybercrime - the 'it will never happen to me' view; every year our DBIR shows that the same tactics - from phishing emails to the exploitation of weak passwords - keep succeeding; until people learn from the cyberattacks that are taking place across their industries and start to educate employees and change their behaviour, the oldest threats will continue to be disruptive.
Laurance Dine, Managing Principal of Investigative Response at Verizon
The failure to properly manage and secure the open source components making up increasingly large portions of commercial and custom software will be one of the most significant cybersecurity threats to organisations in 2018.
Mike Pittenger, VP Security Strategy at Black Duck Software


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To make a one-off or regular donation to support our work please click the button below:
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text: Become A Member of CLC Projects If you are interested in membership please complete the following form. After completing the inquiry form, we will evaluate your application. We can also place you on a waiting list if the country you wish to represent is unavailable. Your Name (required) Your Email (required) Company Name Region(s) you wish to represent


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Recently, the Federal Communication Commission has established new rules to further the regulation under Telephone Consumer Protection Act of 1991 (TCPA legislation). These enhanced rules give consumers more protection from so-called "telemarketing robocalls", i.e. unwanted autodialed or pre-recorded telemarketing calls.
Under the new TCPA legislation:
- Written consent for all autodialed or pre-recorced telemarketing calls to mobiles and landlines has to be given
- There has to exist an option to opt out of robocalls, even if it is during the middle of such a call
- A limit on permissible abandoned calls on a per-calling campaign basis to deter intrusive calling campaigns
The only entities exempt from the TCPA legislation are calls made by health care related entities which are regulated under the Health Insurance Portability and Accountability Act of 1996. Also exempt are mobile campaigns that direct the public to a specific landing page.
How does this affect the lead generation industry?
- The good news is that these new rules offer ample room for innovation. Companies that are not able to adapt to these enhanced TCPA legislation guidelines, will most likely cease to exist. For the rest of the lead industry, this offers a unique opportunity to attract consumers in non-traditional ways.
- There is an increased focus on the end user. With these regulations, user experiences will improve by protecting them from fraud and spam. Since the lead gen industry tends to have a reputation to be a breeding ground for fraud, this will hopefully improve the overall trust in the industry. Speaking in terms of reputation, this can only be a good thing for lead gen.
ReviMedia has always taken great pride in being at the forefront of new technology and accepting/complying with any and all regulatory changes to the climate of the lead generation industry. Further, transparency has always and will continue to be our number 1 priority when it comes to our business model and ventures. Giving an unobscured view into what we do is truly the key to success in each of our minds.
Moreover, ReviMedia actively tries to develop and implement innovative and thorough lead scoring and verification that raise quality standards in the overall industry to increase trust among players. We therefore welcome the enhancement of the TCPA legislation as a development that will further decrease practices that damage the reputation of this industry.


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Good food and key nutrients are essential to life and health. Working out and being active comes second to that to lead a healthy fulfilled lifestyle.
In our changing world, there is now a huge emphasis on the promotion of health. (heck yeah!) BUT now since there's SO much of promotion, it's hard to navigate your way through and pick out facts that are true and not total B.S.
See, I'm here to help you swim through all this. I want to be totally transparent with you all and give it to you totally straight!
You aren't going to keep off the weight and live a truly healthy AND happy life if all you do is drink shakes for breakfast, lunch and dinner (what kind of life is that?!) or drink these special teas that are so-called "proven" to burn up fat (and they taste gross). Save your money! Try out these following tips I tell EVERYONE. They are simple, yet hard to adhere to.
If it was easy, everyone would be doing it!
Tags: eat healthy, fitness lifestyle, healthy living, how to fitness, learn how to eat healthy, lifestyle, workout


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|There is more information available on this subject at Vanadium on the English-language Wikipedia.
Vanadium (IPA: /vəˈneɪdiəm/) is a chemical element that has the symbol V and atomic number 23. A soft and ductile element, vanadium naturally occurs in about 65 different minerals and is used mainly to produce certain steel alloys, such as Vanadium Steel[1]. The compound vanadium pentoxide is used as a catalyst for the production of sulfuric acid. Andrés Manuel del Río discovered it in 1801 and named it panchronium and later erythronium. The element was rediscovered in 1831 by Nils Gabriel Sefström, and he named the element vanadium after the goddess Vanadis. Vanadium is found in most living organisms, for example enzymes, particularly the vanadium nitrogenase is used by some nitrogen-fixing micro-organisms.[2].
|This is the Vanadium disambiguation page.
A = Appearances · I = Images · G = Gallery · F = Fan Art · Q = Quotes
Vanadium: Member of Masters of Alchemy
Vanadium: Member of Elements of Doom


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In 1988, Don Clausing and I wrote an article on the "House of Quality," a product development technique that had long been used in Japan and that was gaining popularity in the United States.1 Since then, over a hundred U.S. firms have adopted the technique for part or all of their product development activities. The House of Quality method, which is a part of Quality Function Deployment (QFD), has evolved through use. The formal charting techniques have given way to sophisticated market measurement, and firms have modified QFD to work within their corporate cultures.
The following case study illustrates how one company successfully used the House of Quality and QFD to enhance sales and profit while satisfying customers and reducing the cycle time of new product development. This case is rare because the company has agreed to share all the details of the application and the business implications.
The paper begins with a brief overview of the House of Quality concept. Then I describe the case study, and, to help readers understand the application of the method to a wide variety of markets, I close the paper with eight brief examples of other applications.
The House of Quality
Mitsubishi's Kobe shipyard developed quality function deployment in 1972. Ford and Xerox brought it to the United States in 1986, and, in the last five years, it has been adopted widely by Japanese, U.S., and European firms. In some applications, it has reduced design time by 40 percent and design costs by 60 percent while maintaining and enhancing design quality.2 QFD helps an interfunctional team of people from marketing, research and development (R&D), manufacturing, and sales work together to focus on product development. It provides procedures and processes to enhance communication by focusing on the language of the customer.3
QFD uses four "houses" to integrate informational needs. Applications begin with the House of Quality (HOQ), which is shown conceptually in Figure 1. The team uses the HOQ to understand the voice of the customer and to translate it into the voice of the engineer. Subsequent houses continue to deploy the voice of the customer through to parts characteristics, key process operations, and production requirements.


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3. Scrap For Hire/Scrap For Others. ( Stationery products such as invitations, cards, labels, etc. in either printed or
digital format. Party supplies such as cupcake toppers, wrappers, banners, tags, etc. in either printed or digital format.
4. Logos.
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6. Handmade jewelry such as tile pendants.
7. Digital embroidery files.
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The following commercial uses are NOT allowed:
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Thomas Bardwell 1704-1767
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Two sisters sitting on a wooded bank with a view of a country house beyond
Oil painting on canvas 30 x 25 inches, and contained in a carved and giltwood frame
Provenance: …..........Private Collection USA until acquired by us
Comparative Literature: cf. Walpole Soc. XLVI (l978) M.Kirby Talley: "Thomas Bardwell of Bungay, artist and author".
Painted circa 1740
Thomas Bardwell was born in East Anglia in 1704 and died in Norwich 9th Sept. 1767. Bardwell became very popular amongst the owners of substantial houses and estates of Norfolk and Suffolk where he painted portraits, views of country houses and a few conversation pieces dated 1736-40. Later in his career he did a tour through Yorkshire to Scotland where he painted portraits in some of the large houses en route.
Our painting is of exceptional interest as an early open-air conversation piece, a genre which had only just begin to be established by such painters as William Hogarth and Gawen Hamilton from the early1730's. These "conversations" represent a peculiarly English contribution to the arts, which have few counterparts on the continent. The rising prosperity of the urban middle class during the years after the South Sea Bubble had lead to a rise in demand for a more intimate and modest style of portraiture appropriate to the social status of a new class of patrons of artists, and they often depict their subjects in their houses. The paintings thus produced are exceptional visual evidence of their lifestyle and rising prosperity, their pride in their economic achievements and their self-confidence within their prosperous bourgeois surroundings.
Alongside these urban interiors are the relaxed rural conversation pieces of the Tory Squirearchy produced in the years after about 1740 by the likes of Arthur Devis, Francis Hayman, and Edward Haytley. Bardwell seems to have been well aware of these latest developments of composition and style both locally and in the metropolis. The present painting shows analogies with the pioneering rural family groups by the young Thomas Gainsborough in Ipswich, painted from about 1745/6 onwards – such pictures as Mr and Mrs Carter of 1747/8, and the Unknown young Lady at Yale (see below). It is very tempting to surmise that the young Gainsborough developed his hallmark diagonal composition, with the sitters reposing on a bank, from the work of his fellow Suffolk painter, Bardwell, who is a generation older than Gainsborough. There seems to be little doubt that the present painting dates from slightly earlier than the first essays in this style of Gainsborough, since the dresses worn by the sitters date from the period of the late 1730's and early 1740's, before the fashion for extremely exaggerated wide skirts which are a consistent feature of Gainsborough's early Conversations of the later 1740's.
The dress of the two sitters in the present painting is very similar, both in construction and in colour, to the central and right-hand figures in the "Brewster Family" which is signed and dated 1736. At the latter date, the painting would have been at the forefront of developments in composition, and shows that Bardwell was aware of current developments in group portraiture in London. As such, he is a pioneer in this sort of painting not only in his native East Anglia, but also in the country at large. This innovatory approach to informal portraiture is developed in the present painting, which may be dated to about 1740 – the date of the earliest such essays by Arthur Devis, who became the default painter of such pictures in England.
Curiously, Bardwell seems to have been equally at home with the Whig Grandees of the County, and his more Stately large portraits are to be found in many old Norfolk collections. They are competently painted, but are far from innovatory
Thomas Bardwell: The Brewster Family 1736 (Geffrye Museum, formerly with Lane Fine Art) Oil painting on canvas 40 x 50 inches, signed and dated 1736. A very early example of the informal interior conversation piece in provincial England, it was amongst the first to depict a middle-class family at home. It was painted in Bungay, and from internal evidence can be shown to have been painted in the first-floor drawing room of the family house.
Thomas Gainsborough Young lady sitting on a bank in a landscape with a classical statue.(Mellon Collection, Yale) The analogies with the present composition are self-evident, though the costume fashion is a few years later than the present picture.


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Server Error500 – Internal server error.
There is a problem with the resource you are looking for, and it cannot be displayed.
This is the big issue because all the uploaded image cannot displayed in the browser when click on it. Although we have granted the modify permission for user IUSR and {servername}\IIS_IUSRS to the directory and childdirectory /blog/wp-content/uploads/subdirectory but it still cannot be displayed.
Root Cause:
After check around, we found out that when we use PHP to upload a file. PHP will sends the file to a temporary directory on the hard drive (In my case C:\Windows\Temp) and then copies it over to it's intended directory. You can find which one is the temporary folder by checking on the line "upload_tmp_dir" in php.ini.
Go to C:\Windows\Temp folder, grant "modify" permissions to both IUSR and {servername}\IIS_IUSRS user accounts.
It solve my problem.


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Main features
- Stretch cotton
- Long pants
- Regular waist
- Belt loops at waist
- Slash front pocket
- Back welt pocket
Made in: India
Product code: 4KG255AX0_69A
98% Cotton 2% Elastane
Clothing care
- Maximum temperature: 40°C. Gentle cycle
- Do not bleach
- Tumble dry at a maximum temperature of 80°C
- Line dry in shade
- Iron at maximum temperature of 150°C
- Professional dry-cleaning in: perchloroethylene. Delicate cycle


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Greater Holyoke Chamber of Commerce Survey Text Size
Training & Workforce Options has been working with the Greater Holyoke Chamber of Commerce to conduct research into Holyoke's business needs, as it pertains to Chamber members and non- members. A particular focus has been placed specifically on developing the Chamber's programming to better serve the needs of the Holyoke Business Community while strengthening the greater Holyoke economy.
We are asking you to answer a simple survey about the direction you would like to see the Greater Holyoke Chamber of Commerce take in order to better serve your business and the greater community in general.
Posted on July 2, 2013 by cityadmin


text: Courageous 7,702 #1 Posted October 11, 2018 (edited) Here I present my latest build, an OOB build of a Vanguard Class SSBN using the Bronco kit. The only bit of work needed was the mating of the hull halves. Primed using Halford's grey primer, German tank grey for lower hull and Halford's satin black was used overall. The sub was 'Kleared', decaled and coated with Tamiya satin varnish. Das Boot was masked to leave the deck exposed, with VERY low tac masking over the two decals and painted with Humbrol matt black and the sonar array was glossed with Klear. Five masts were fitted into fin and a couple of Tamiya figures were added to complete build. WIP here: Stuart Edited October 11, 2018 by Courageous 22 Go to top Share this post Link to post Share on other sites


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Lhpmom1 needed a new logo design and created a contest on 99designs.
A winner was selected from 52 designs submitted by 17 freelance designers.
Bethel Valley Farms
We are a family farm in Bethel, NC growing blueberries, blackberries, raspberries, wine grapes and apples for sale to local restaurants and produce markets. We may add "you pick em" and sale to the general public too.
Maybe something on the lines of a "seal" where our name could be on it but maybe the middle artwork is exchanged out depending on the crop we are packaging. But then maybe a general seal that we could use on cards, tshirts, hats etc...But totally open to new ideas!
Find out how a design contest works or learn more about our logo design services.