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In the world of cross-border and multinational trade, the importance of having a multicurrency bank account can't be emphasized enough.
A multicurrency bank account is a financial account that can hold multiple currencies at the same time, under the same account information. It essentially means that you can deposit, withdraw, or transfer any available amount of money across different currencies such as Euros, Dollars, Pounds, and so on.
In the past, multicurrency accounts were mainly used by multinational businesses. Today, it is offered to personal account holders as well, thanks to a plethora of modern banks and financial institutes. Yet, due to being a relatively new service for the end-users, there are many confusions about the suitability of a multicurrency bank account.
So, today, to make your decision making the process a lot easier, we discuss the main benefits of having a bank account to hold multiple currencies below
Flexibility and Ease of Use
The main purpose of having a multicurrency bank account is to experience unmatched flexibility when it comes to international payments. For example, you can receive your payments in euros, then pay your staff or suppliers in pounds all within the same account. This flexibility removes the needs to open multiple accounts in multiple regions or having to convert your amounts every time you send or receive some money. The same feature also makes forex trading much easier, with more than one currency available at your fingertips to buy, sell, hold different currency in the forex markets.
Offering a single app, login, and passwords a multicurrency account can also make your banking experience way less stressful. Thanks to such accounts, you can now perform all your banking related activities in one place including keeping track of your money and processing reports. Some banks also offer payment cards with multiple currencies to make the experience even more comfortable.
A Smart Account for the Global World
Whether you are a consumer, an international seller, or a multinational business with employees overseas you can massively benefit from a multicurrency bank account. The ability to pay and receive funds in different currency massively reduces the logistic efforts of a multinational company to process orders, salaries, and payments. For sellers, it enables them to advertise a product on different online platforms and receive all their profits in one place.
Consumers can also benefit from having a multicurrency account, as they can easily purchase a product or service online irrespective of where they are based. The same reasons make it a must-have for independent contractors or freelancers who regularly work with international clients.
Lower Fees and Charges
While some banks charge a periodic fee to maintain a multicurrency bank account, it's not difficult to find the ones that offer it for free. Even if you opt for a premium account for a fee, it is significantly less than the conversion fees you would otherwise incur, each time you receive or make a cross-border or international payment.


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Sub Bnb
- Premier host
- Manitowoc, Wisconsin, USA
- See on map
- Sleeps: 16
- Bedrooms: 9
- Bathrooms: 3
- Minimum stay: 1 night
Launched in 1943, USS Cobia was vital to the American effort during World War Two, sinking thirteen Japanese vessels.
These days, the iconic submarine is the best-preserved in the country, meticulously restored, and boasting added comforts including soft bedding, toiletries, heating and aircon.
Now floating in the vast Manitowoc River, just behind the famous Wisconsin Maritime Museum, you'll have a unique opportunity to rest your heads onboard, take a personalised tour, and imagine just what knife-edge military life must have been like all those years ago.
The museum itself is an immersive time-capsule, with fascinating exhibits on submarines, car ferries, shipwrecks, and model boats. You'll embark USS Cobia directly via the museum, by stairs, and through seven bulkhead doors that will make you feel like a wartime sailor preparing for battle.
Once aboard, you'll get to take charge of your very own adventure… with access to the entire submarine, and with 65 sleeping spaces to choose from, in sailors' bunks dotted throughout, your stay will be utterly unique!
You'll be accompanied by a dedicated member of staff, who will be your point of contact throughout your stay, and who will also be sleeping aboard the submarine (though not directly with you, of course!) They will be on hand to take you on a personalised, story-filled tour, if you feel like getting to know your mesmerising surroundings a little better.
Otherwise, why not relax with a laughter-filled board or card game in the crew's mess? You could also head back to the museum to watch a World War Two movie, view the exhibits during opening hours, or use the private bathroom facilities (although there are bathrooms on board the submarine, they are over 75 years old and not functional!)
Keep readingAt a glance
- A unique opportunity to sleep aboard a floating piece of history – the restored USS Cobia, a former World War Two submarine.
- The sub is part of the Wisconsin Maritime Museum, through which you'll gain access to your sleeping quarters, and which also offers bathroom and basic kitchen facilities.
- There are 65 sailors' bunks dotted throughout the sub… so you can tailor your own adventure!
- You'll have access to the museum and the sub throughout your stay (view the exhibits during opening hours only), and there are historic sites, bars and restaurants within easy walking distance. The museum has its own scenic rooftop bar, the Sub Pub.
- Large Groups
Historic submarine and maritime museum, sleeps up to 65 guests in sleeping bunks dotted throughout the submarine, with bedding, toiletries, board and card games provided. Bathroom and basic kitchen facilities (fridge, microwave, kettle, hot drinks, light snacks) are located in the museum, along with a selection of World War Two-themed movies.
Local Activities
Historic sites, maritime activities, walking, bars, restaurants, museums
More information
Store food and supplies in the museum's catering kitchen, which you'll also find stocked with hot drink making facilities and light snacks to enjoy during your stay. In the morning, you'll be treated to coffee from a veteran-owned company, to help start your day with military focus!
What to do? Take a walk in just about any direction to discover even more historic maritime tales, with the lighthouse, shipyards, bustling harbour, and the sparkling Lake Michigan all close by.
There's also a lively selection of bars and restaurants to choose from in the surrounding area. But if you don't want to stray too far, simply kick back in the Sub Pub, the museum's impossibly scenic rooftop bar, and plot your next battle over a cocktail or local craft beer.
Things to note
Check in after 3pm, check out by 10am. This experience is not suitable for children under two, and pets are not permitted. You are not permitted to eat or drink (except water) on board the submarine. Please note that access to the submarine is gained via stairs and bulkhead doors. As the museum and submarine are open to the public, your luggage and valuables will be securely locked up during the day.

subset: commoncrawl


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Lud F.
Add this to an evening routine, but as the last habit. Write some notes what to do in the habit and then end the evening routine and put the phone away. Bedtime mode on the phone also helps.
Melanie N.
My best advice is to take a walk while listening to music then after that, I go in the shower and go in bed and put a calm spotify playlist on and not touch my phone or go on it after that


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3008 Rosewood Drive
Joliet, IL 60435
(815) 730-6788
See Also: Joliet, IL Financial Planning Services
This is a business listing for Jack Frost Cfp (3008 Rosewood Drive, Joliet, IL 60435) from the Financial Planning Services directory, under Joliet, IL Financial Planning Services, provided by moneycontrol.me.
Where is Jack Frost Cfp located?
Jack Frost Cfp is located at: 3008 Rosewood Drive, Joliet, IL 60435.
What is Jack Frost Cfp's phone number?
Jack Frost Cfp's phone number is: (815) 730-6788.
What is Jack Frost Cfp's website?
Jack Frost Cfp's website is: http://www.ameriprise.com.
You can find more similar services in Joliet, IL Financial Planning Services from our Financial Planning Services Directory.
Here are some other listings in the Joliet, IL Financial Planning Services Directory: Northwater Financial, Edward Jones - Financial Advisor: Mark E. Karner, Wells Fargo Advisors Financial Network, Edward Jones - Financial Advisor: Terrance B Spivey, Dan Connolly - COUNTRY Financial representative.


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Joel D'Souza Clinches Comedians On Board 3
Joel D'Souza clinched the Comedians On Board-3 event after winning his final game over Vaibhav Sethia. The tournament was held on Chess.com during November 19-21. It featured 32 comedians of India who were competing for the total cash prize of 500,000 Indian rupees ($6,750).
Comedians On Board is the brainchild of Samay Raina, who is himself a stand-up comedian, a chess aficionado, and one of India's fastest-growing streamers on YouTube. The second edition was won by Anirban Dasgupta, who called himself the "attacking champion" during the event.
One of the specialties of this event is the category of prizes that keeps the interest going throughout the event.
Prior to the event, Angad Singh Ranyal (one of the star comedians and participants) was trained by the team of Chess.com India.
He played a clean game to beat Rahul Subramanian in the first round and became the star player of day one.
Angad scored another win on day two as he beat Yahya Bootwala in the pre-quarterfinals, and his game qualified for "Best Mating Position" too.
Angad lost to the eventual winner, Joel D'Souza in the quarterfinals after blundering a rook from a good position. He was also part of a special exhibition match with star cricketer Yuzvendra Chahal on the final day.
The thrilling game of day one was the match between Kaneez Surka and Kusha Kapila.
Absolute thriller!
— Chess.com - India (@chesscom_in) November 19, 2020
We cannot believe it. The chat cannot believe it and the commentators are not able to believe it!@kaneezsurka vs @KushaKapila has gathered nominations for many awards today! pic.twitter.com/azfPAf9RQG
The biggest match of day two, Samay Raina vs. Biswa Kalyan Rath, ended in Samay's favor. He later revealed that the position he got in the game was part of his preparation with his mentor, GM Surya Sekhar Ganguly. Team Sagar Shah had prepared the c3 Sicilian against the O'Kelly, but Biswa went for the Open Sicilian in the game.
Believe it or not, COB3 saw a thrilling armageddon match between GM Abish Mathew and Nishant Tanwar. GM Abish stayed true to his name and drew his match with a lone king. The crowd was stunned as he checkmated Nishant in the armageddon.
The final day saw a lot of action that included exhibition matches too.
We have the first exhibition match starting now and @ReheSamay has given hints of a possible #CricketersOnBoard!@PiratedSardar vs @yuzi_chahal
— Chess.com - India (@chesscom_in) November 21, 2020
Game: https://t.co/nBQ4QKfvqa
Link: https://t.co/3XJqyuUlbn#COB3 pic.twitter.com/Z3mlEss2bM
Joel's mentor, GM Adhiban Baskaran, was elated with Joel's splendid performance after his student played convincingly to win the event. It was clear that Adhiban would be winning the mentor's trophy as the finalists, Vaibhav and Joel, are his students.
What makes the whole contest fun and exciting is the unpredictability of the moves and the mistakes. Samay Raina has dropped some hints for a possible #CricketersOnBoard and that would be very exciting if it happens.
Joel remained devoted to his Caro-Kann throughout the event and won it with a stylish fork.
Congratulations to Joel Dsouza on winning #COB3 🏆
— Chess.com - India (@chesscom_in) November 21, 2020
Joel beat @vaibhav_sethia in today's final.
He wins Rs. 1,00,000 and bragging rights! pic.twitter.com/PHvyNKkQn7
You can replay the final day here:
— Chess.com - India (@chesscom_in) November 21, 2020
Top-three winners of #COB3
1st Joel Dsouza @coolboy_joel 🥇
2nd Vaibhav Sethia @vaibhav_sethia 🥈
3rd Samay Raina @ReheSamay 🥉 pic.twitter.com/TUcmqXjwOj


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Press Release December 15, 2021 Expanded Solo Parents Bill passed in the Senate as Bong Go highlights commitment to promote welfare of solo parents, children, and other vulnerable groups Senator Christopher "Bong" Go expressed his support and gratitude to fellow legislators following the passage on the third and final reading in the Senate of a bill which aims to provide additional benefits to at least 14 million Filipino solo parents. On Monday, December 13, senators voted 22-0-0 in favor of Senate Bill No. 1411, which would increase the benefits currently provided to solo parents under Republic Act 8972 or the "Solo Parents Welfare Act of 2000". Understanding the hardships faced by solo parents in raising their families, Go has always been firm in supporting the expansion of benefits under RA 8972. He earlier served as co-sponsor to fellow senators for SBN 1411 to provide monthly cash subsidies, automatic health insurance coverage and other additional benefits to Filipino solo parents. The said bill takes into consideration an earlier measure filed by Go and other similar measures by Senate President Vicente Sotto III and Senators Richard Gordon, Risa Hontiveros, Juan Miguel Zubiri, Ramon Revilla, Jr. and Imee Marcos. "Solo parents are both the breadwinners and caregivers of their families, and they should be acknowledged appropriately. As the law now stands, the privileges and benefits granted to them should be sufficiently increased in recognition and understanding of the complexity of their needs," said Go. "The enhancements that we have introduced to the Solo Parents' Welfare Act aim to provide redress for some 14 million solo parents. They will infuse more benefits and privileges to the solo parent which will ease the burden of single-handedly raising his or her children," he added. The measure introduces amendments to RA 8972 with the overarching objective of making it easier for single-parent households to access the critical relief they need. It specifically reduces the period before someone can be considered a solo parent due to abandonment from one year to six months. It also entitles elderly grandparents who have sole parental responsibility over minors would to the benefits given to solo parents. If signed into law, any solo parent whose income falls below the poverty threshold as set by the Philippine Statistics Authority and subject to the assessment of the local social welfare and development officer in the area shall be eligible for additional financial assistance reserved for the poor and indigent solo parents. Each indigent solo parent shall also be entitled to a cash subsidy amounting to P1,000 per month. Meanwhile, a comprehensive package of social protection services will be provided to each parent, regardless of their income bracket. The package will consist of counseling, legal assistance, medical care, livelihood development services and temporary shelter. Furthermore, single-parent households will be given preference in government low-cost housing projects and will be offered relaxed terms of payments. On the other hand, the Department of Education, Commission on Higher Education, and Technical Education and Skills Development Authority will be directed to provide scholarships or grants to qualified children of the solo parents in institutions of basic, higher and technical/vocational education and training. Finally, solo parents working in the government or private sector will be qualified to a seven-day parental leave with pay per year. "I am pushing for these amendments to the existing law to cater to as many solo parents as possible in order to help them build a stronger family despite their situation and support them as productive members of society," Go explained. "Responsibilidad natin ang siguraduhin na may sapat na proteksyon tayong ibinibigay sa mga solo parents na kabilang sa mga vulnerable sectors ng ating lipunan," he further stressed. There are currently an estimated 14 to 15 million solo parents in the Philippines, 95% of whom are women, according to a World Health Organization-funded study by the Department of Health and the University of the Philippines-National Institutes of Health. A separate study conducted by the Philippine Institute for Development Studies also revealed that eight in every 20 women are in vulnerable employment positions. In light of the adverse economic impacts of the COVID-19 pandemic, Go has also conducted various aid distribution initiatives to provide single-parent households the assistance they need to overcome the pandemic and other crisis situations. His team has assisted solo parents in Batuan and Duero, Bohol; Pandi, Bulacan; Tabogon, Cebu; Lupon, Davao Oriental; Burauen, Jaro, Javier, Kananga, Mayorga, Merida, Palompon, Pastrana, Santa Fe and Tacloban City, Leyte; Buluan, Maguindanao; Medina and Villanueva, Misamis Oriental; Llanera, Nueva Ecija; Santa Ana and San Fernando City, Pampanga; Puerto Galera, Oriental Mindoro; Culion, Busuanga and Puerto Princesa City, Palawan; Pintuyan, Southern Leyte; Olongapo, Zambales; General Santos City; and Zamboanga City, among others, in the past year. "Patuloy tayong magmalasakit sa isa't isa at magbayanihan upang masigurong walang maiiwan sa ating muling pag-ahon mula sa pandemya at anumang krisis na darating," he emphasized. Senate Bill No. 1411 is sponsored by Senator Risa Hontiveros and co-authored by Senators Sotto, Go, Gordon, Marcos, Pia Cayetano, Risa Hontiveros, Leila de Lima and Joel Villanueva. It is also co-sponsored by Senators Go, Gordon, Revilla and Zubiri. The bill will now go before the bicameral conference committee to reconcile the differences between the House and Senate versions. |
Tuesday, February 27
Monday, February 26


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Mr. Luiz Gotardo Furlan has a degree in Business Administration from Fundação Getúlio Vargas, with MBAs from the London Business School and Columbia University. He also has courses and certificates in systems and the financial market, such as CEA and Power BI. He is currently the CFO of Trinus Co. From 2017 to 2021, he served as Vice Chairman of the Board of Directors at Necton, where he has also served as a partner since 2009, focusing on the areas of wealth management, home broker, marketing and fund administration. Previously, he also worked at Bain & Company and Maersk Line.
Name | Position |
Luiz Gotardo Furlan | Effective Member |
Fernando Heitor Batista Vaccari | Effective Member |
Guillermo Oscar Braunbeck | Effective Member |
Carla Alessandra Trematore | Alternate Member |
Adriana Sanches Dos Santos | Alternate Member |
Mr. Fernando Heitor B. Vaccari holds a degree in Business Administration from the Pontifical Catholic University of São Paulo, with a postgraduate degree in finance and management from Insper. Currently, he is CFO of Mar Capital, Compliance Officer at Mar Gestão de Recursos, Director of GJP Hotéis and member of the Advisory Board of Afesu. Between 2010 and 2018, he served as a member of the Board of Directors and the Financial Committee of CVC Brasil. Previously, he had stints as head of planning at TOTVS, executive manager of LC-EH and CFO of GJP Hotéis and GJP Participações.
Mr. Guillermo Oscar Braunbeck is an economist, accountant and doctor in controllership and accounting. Fiscal Council Member and Member of Audit Committees, including as coordinator. Solid experience built as an external auditor, internal auditor, risk manager and advisor in M&A transactions. Reviewer and expert expert in Accounting, Auditing and Finance. College professor. Voting member of the Brazilian Accounting Pronouncements Committee (CPC) for 7 years.
Mrs. Carla Alessandra Trematore holds a Bachelor's degree in Computer Science from Universidade Estadual Paulista – UNESP and in Accounting from the Pontifical Catholic University of Minas Gerais – PUC Minas. Between 1996 and 2010, she worked at the independent auditing firms Arthur Andersen, Deloitte and EY. She was a partner at Hirashima & Associados, where she led accounting and financial consulting services, and acted as a consultant for the Institute of Accounting, Actuarial and Financial Research Foundation – FIPECAFI. From July 2014 to August 2017, she held the position of controller in electricity generation companies. She was chairman of the Audit Committee of Caixa Econômica Federal and Board Member of BRB – Banco de Brasília. She is currently a member of the Board of Directors of BR Partners and CI & T and of fiscal councils and audit committees.
Mrs. Adriana Sanches Dos Santos has been working in the capital market in Brazil for around 25 years. Developed and implemented projects in the areas of Corporate Governance for public and private companies, Corporate Finance, M&A, Stock Exchange Listing, IPO, Public Offerings, Investor Relations, Capital Market Infrastructure, Equity Products, Derivatives and Fixed Income and Foreign Portfolio Investments.
Pursuant to Law 6.404/76 (the "Brazilian Corporations Act"), the Supervisory Board is a corporate body that acts independently of the Company's management. The key responsibilities of the Supervisory Board are to supervise the management members' activities and review the Company's financial statements, reporting its opinion to the shareholders.
At TOTVS, the Supervisory Board is a non-permanent body and can be established in any fiscal year if so required by shareholders representing at least 2% of common shares, pursuant to CVM Instruction No. 70/2022.


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After a 7.0 earthquake hit Haiti in 2010, the U.S. government gave the country $1 billion in aid, with the U.S. Department of Defense sending the most money, according to the Foreign Aid Explorer database.
The U.S. Agency for International Development's database can tell you which U.S. government agency spent the most on foreign aid in a given fiscal year, and so much more.
The database was developed after passage of the Foreign Assistance Act of 1961. It offers comprehensive details of U.S. foreign assistance from 1945 to the recent past, according to USAID.
By law, USAID reports to Congress what the U.S. government funds for foreign assistance — by country. The same information is transparently supplied to the database, which is updated quarterly and annually. Any interested user can use the Foreign Aid Explorer to search by country or U.S. agency.
In fiscal year 2018, for instance, America spent $46 billion on foreign aid, which was spread out among 208 countries. USAID was the top spender among U.S. agencies, disbursing more than $20 billion. Its top spending category was health and population, which received $6.9 billion. More than half of that went toward HIV/AIDS prevention. At $11.8 billion, sub-Saharan Africa was the region that received the most assistance that fiscal year.
"It's important to not only provide the data, but a cost-effective means of sharing the data," a USAID official said, adding that the database helps taxpayers easily see their foreign assistance dollars at work.
The database is designed to share who implemented what program. It ensures America keeps its commitments to help other countries become more self-reliant. And it helps recipient countries chart their own development efforts.
A previous version of this article was published on September 10, 2020.


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top of page
Opening Keynote
Michael Tubbs
Founder/Executive Director - EPIC
Michael Tubbs is the Special Advisor to California Governor Gavin Newsom for Economic Mobility; the Founder of Mayors for a Guaranteed Income; and the Founder of End Poverty in California (EPIC). In 2016, he was elected Mayor of Stockton at 26-years-old.
Conference MC
Amber Gonzales-Vargas
MBA Candidate - MIT Sloan
Amber is on a mission to mobilize Latinx energy and talent towards a more equitable society. With majors in Political Economy and French, and a minor in Global Poverty and Practice from UC Berkeley, Amber has set on a path to bring positive change to marginalized communities.
Closing Keynote
Inspiring Speakers
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"The strength of a nation derives from the integrity of the home."
— Confucius
Follow Dr. Hurd on Facebook. Search under "Michael Hurd" (Rehoboth Beach DE). Get up-to-the-minute postings, recommended articles and links, and engage in back-and-forth discussion with Dr. Hurd on topics of interest. Also follow Dr. Hurd on Twitter at @MichaelJHurd1, and see "Michael Hurd" on MeWe.


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This Thanksgiving guide includes 16 Easy Thanksgiving Recipes that would go wonderfully on your Thanksgiving dinner and dessert table. Whether you are feeding family members who are vegan, gluten-free or just like to eat a bit healthier, there is something here for everyone!
This year is one like no other. Some people can't go home and therefore parties are looking a little smaller than usual. No matter if you're celebrating with family, friends, your significant other or just yourself… there's no reason to miss out on all of the delicious Thanksgiving dishes. Food, especially Thanksgiving food, is straight up COMFORT food and during a pandemic like this, there is nothing wrong in allowing food to comfort you and make you feel just a bit better.
This guide includes 16 EASY Thanksgiving Recipes like appetizers, side dishes, main dishes and of course… DESSERTS!
I tried to include recipes for everyone here and I even pulled recipes from some of my blogger friends! You'll find some healthier dishes, indulgent dishes, vegan recipes and gluten-free recipes. So no matter who you're cooking for, everyone will end the night full and happy!


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14 Spectacular Travel Pictures That'll Set You Off Booking Tickets Right Now
"Travel makes one modest. You see what a tiny place you occupy in the world," Gustave Flaubert, the well-known French novelist, once wrote. If you let it sink in for a second, you'll realise how true it really is.
There comes a day in everyone's lives, at least once, when they take an epic trip and all that you leave behind just fades in to the background. Travel, more or less, can be quite perception-altering in that sense. Much like what Flaubert wrote, you realise that the only thing that matters is keeping the soul enriched and once that's done, everything else just falls into place. Believe it or not, it really can be that easy.
I'm of the school of thought, like many others, that an epic trip deserves epic research, and this research, among other things, should entail heading online for some much needed #travelinspiration (think Instagram). Yep, there's nothing to replace real travel, but an Instagram page with all the right juice can't hurt, right?
And that's where @indiatimesInsta comes in. One Instagram account and a world of amazing pictures, some by truly talented photographers. Scroll down and get started. And don't forget to follow 'indiatimesInsta' on Instagram.


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Disaster Financial Assistance Arrangements (DFAA)
In the event of a large-scale natural disaster, the Government of Canada provides financial assistance to provincial and territorial governments through the Disaster Financial Assistance Arrangements (DFAA), administered by Public Safety Canada (PS).
New Guidelines for the DFAA came into effect on January 1, 2008 and are currently in effect until March 31, 2025. They will apply to natural disasters which occur on or after that date. The previous Guidelines still apply for events which occurred on or prior to December 31, 2007, and for which PS is currently working with provinces and territories on finalizing payments.
On this page
In the event of a large-scale natural disaster, the Government of Canada provides financial assistance to provincial and territorial governments through the DFAA, administered by PS. When response and recovery costs exceed what individual provinces or territories could reasonably be expected to bear on their own, the DFAA provide the Government of Canada with a fair and equitable means of assisting provincial and territorial governments.
Through the DFAA, assistance is paid to the province or territory – not directly to affected individuals, small businesses, or communities. A request for reimbursement under the DFAA is processed immediately following receipt of the required documentation of provincial/territorial expenditures and a review by federal auditors.
Since the DFAA program was established in 1970, the Government of Canada has contributed over $7.9 billion in post-disaster assistance to help provinces and territories with the costs of response and of returning infrastructure and personal property to pre-disaster condition. 73 per cent of this total was paid out in the last 10 years.
DFAA Program Review
Disasters are increasing in frequency and severity across Canada. Public Safety Canada is reviewing its program for post-disaster financial assistance to ensure there is an updated, comprehensive system available to provinces and territories for disaster recovery and to support the safety and well-being of Canadians
An independent expert advisory panel was appointed in March 2022 to review and make recommendations on how to improve the sustainability and long-term viability of the program.
The advisory panel represented a diverse interdisciplinary group that:
- is aware of natural disasters in Canada and how they affect Canadians of diverse backgrounds, including Indigenous communities,
- has expertise in disaster financing or the economic and social impacts of disasters,
- has knowledge of disaster financing in a multijurisdictional context, and
- is committed to building community resilience capacity.
Meet the members of the advisory panel for the Disaster Financial Assistance Arrangements program review.
In late 2022, the advisory panel presented its work in a final report titled: "Building Forward Together: Toward a more resilient Canada". The report outlines key findings and recommendations on how to modernize the DFAA program to not only support disaster recovery, but also help build more resilient communities.
The report does not make recommendations on specific program changes, as programmatic decisions are the purview of governments. The Government of Canada is reviewing the report to inform decision-making and next steps for an updated program design.
Roles and Responsibilities
The provincial or territorial governments design, develop and deliver disaster financial assistance, deciding the amounts and types of assistance that will be provided to those that have experienced losses. The DFAA place no restrictions on provincial or territorial governments in this regard - they are free to put in place the disaster financial assistance appropriate to the particular disaster and the circumstances, and the DFAA set out what costs will be eligible for cost-sharing with the federal government.
PS works closely with the province or territory to review provincial/territorial requests for reimbursement of eligible response and recovery costs.
A province or territory may request Government of Canada disaster financial assistance when eligible expenditures exceed an established initial threshold (based on provincial or territorial population). For more information, please consult Appendix A.
Eligible expenses include, but are not limited to, evacuation operations, restoring public works and infrastructure to their pre-disaster condition, as well as replacing or repairing basic, essential personal property of individuals, small businesses and farmsteads. For further information on eligible expenses, please consult Appendix B.
The Government of Canada may provide advance and interim payments to provincial and territorial governments as funds are expended under the provincial/territorial disaster assistance program. All provincial or territorial requests for DFAA cost-sharing are subject to federal audit to ensure that cost-sharing is provided according to the DFAA Guidelines.
Appendix A
Cost-Sharing Formula effective January 1, 2023
Effective January 1, 2023, the initial threshold for all new events is defined as $3.61 per capita of the provincial population (as estimated by Statistics Canada to exist on July 1st in the calendar year of the disaster). Once the threshold is exceeded, the federal share of eligible expenses is determined by the formula in Table 10.
Eligible provincial expenses (per capita of population) |
Government of Canada share (percentage) |
First $3.61 | 0 |
Next $7.24 | 50 |
Next $7.24 | 75 |
Remainder | 90 |
The formulas will be indexed to inflation annually based on the consumer price index published by Statistics Canada. For consistency purposes, national-level data will be used to calculate inflation.
The revised formula, adjusted for inflation, will take effect on January 1 of every subsequent year, starting in 2016. The DFAA Guidelines will be updated annually during the month of February to reflect the revised formula.
Please refer to Interpretation Bulletin 5 for more information regarding the changes to the cost-sharing formula.
Province/Territory | Q4 2022* | Threshold for DFAA |
Newfoundland and Labrador |
528,818 |
$1,909,033 |
Prince Edward Island |
172,707 |
$623,472 |
Nova Scotia |
1,030,953 |
$3,721,740 |
New Brunswick |
820,786 |
$2,963,037 |
Quebec |
8,751,352 |
$31,592,381 |
Ontario |
15,262,660 |
$55,098,203 |
Manitoba |
1,420,228 |
$5,127,023 |
Saskatchewan |
1,205,119 |
$4,350,480 |
Alberta |
4,601,314 |
$16,610,744 |
British Columbia |
5,368,266 |
$19,379,440 |
Yukon |
43,964 |
$158,710 |
Northwest Territories |
45,602 |
$164,623 |
Nunavut |
40,586 |
$146,515 |
*Population estimates will be revised quarterly as new data is made available by Statistics Canada.
Example: For a disaster in a province with a population of 1 million where the total eligible expenses for responding to and recovering from a disaster are $20 million, the table below shows how eligible expenditures would be cost-shared through the DFAA.
Eligible Expenses | Provincial or Territorial Government | Government of Canada |
First $3.61 per capita (100% provincial/territorial) | $3,610,000 | Nil |
Next $7.24 per capita (50%) | $3,620,000 | $3,620,000 |
Next $7.24 per capita (75%) | $1,810,000 | $5,430,000 |
Remainder (90%) | $191,000 | $1,719,000 |
Total | $9,231,000 | $10,769,000 |
Appendix B
Examples of provincial/territorial expenses that may be eligible for cost-sharing under the DFAA:
- Evacuation, transportation, emergency food, shelter and clothing;
- Emergency provision of essential community services;
- Security measures including the removal of valuable assets and hazardous materials from a threatened area;
- Repairs to public buildings and related equipment;
- Repairs to public infrastructure such as roads and bridges;
- Removal of damaged structures constituting a threat to public safety;
- Restoration, replacement or repairs to an individual's dwelling (principal residence only);
- Restoration, replacement or repairs to essential personal furnishings, appliances and clothing;
- Restoration of small businesses and farmsteads including buildings and equipment; and
- Costs of damage inspection, appraisal and clean up.
Examples of expenses that would NOT be eligible for cost-sharing:
- Repairs to a non-primary dwelling (e.g. cottage or ski chalet);
- Repairs that are eligible for reimbursement through insurance;
- Costs that are covered in whole or in part by another government program (e.g. production/crop insurance);
- Normal operating expenses of a government department or agency;
- Assistance to large businesses and crown corporations;
- Loss of income and economic recovery; and
- Forest firefighting, except where they pose a threat to built-up areas.
Disaster Financial Assistance Arrangements (DFAA) News Releases
Government of Canada provides disaster recovery funding to Northwest Territories
September 11, 2023 -
Government of Canada provides disaster recovery funding to British Columbia for spring floods
April 19, 2023 -
Government of Canada provides disaster recovery funding to Saskatchewan for 2015 spring flooding
March 6, 2023
More Disaster Financial Assistance Arrangements (DFAA) News Releases
Emergency Management Publications and Reports
- Advancing the Federal-Provincial-Territorial Emergency Management Strategy: Areas for Action
- Evaluation of the Initiatives to Address Post-Traumatic Stress Injuries (PTSI) Evaluation Report
- Summary of the Evaluation of the Initiatives to Address Post-Traumatic Stress Injuries (PTSI) Among Public Safety Officers
- The First Public Report of the National Risk Profile
- The National Search and Rescue Secretariat 406 megahertz (MHz) Personal Locator Beacon
- Date modified:


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Mississauga Ward 2 All-Candidates Online Event
The Park Royal Community Association (PRCA) is proud to present an all-candidates event for Mississauga Ward 2 Councillor via Zoom on Tuesday, October 18th beginning at 7:30 pm.
The municipal election is coming up on Monday, October 24th. In Mississauga, candidates are running for mayor, school board trustees and councillors – including here in Ward 2.
With no incumbent Councillor running for re-election in Ward 2, the race will be exciting – with 8 different candidates vying for the role!
The online event on October 18th is a great opportunity to get to know the candidates directly and listen to their responses to questions from local residents.
Although the event is being hosted by the Park Royal Community Association, any resident of Ward 2 in Mississauga is welcome to join.
All 8 candidates have confirmed participation in the event:
- Gulraiz Bajwa
- Chris Cunningham
- Silvia Gualtieri
- Syed Jaffery
- Reead Rahamut
- Sue Shanly
- Ayushe Sharman
- Alvin Tedjo
Each candidate will have 2 minutes to introduce themselves at the beginning of the event, then there will be a question period where each candidate gets 45 seconds to respond to questions submitted by residents.
You may submit a question before the event through this form.
We look forward to seeing you online at the event on October 18th!
Learn all about the election, the candidates, when and how to vote on the City of Mississauga website.


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Dino Summer Swim Camps
Start date | Jul 25, 2022 |
End date | Aug 13, 2022 |
Attachments |
Dive into the season early with the Dinos Swim Camps!
These competitive swim camps will give your athlete the edge they need to start the season a stroke ahead of the competition. Our CSCTA-certified University of Calgary swim program coaches provide a technique-based program with a focus on all four strokes, starts, and turns. There will also be training sessions focused on conditioning while maintaining and developing technique. This year the camps will be led by UCSC's very own JAN and AMY BIDRMAN! Click on their names to find out all about them. With two in-water sessions daily, on-deck video feedback, outdoor dry-land training, and chances to earn daily prizes the Dinos Swim Camps provide an exciting opportunity to learn, practice, and have fun. This camp would be a great opportunity for competitive swimmers who would like to work on their swim skills this summer.
The minimum age for this camp is 9 years old.
Session 1:
Dates: July 25 - July 29 from 8:30-4:00pm
Cost: $475.00
Session 2:
Dates: August 2 - 5 from 8:30-4:00pm
Cost: $425.00
Click here to sign your swimmer up for either session.
Session 3: Run by UCSC
Dates: August 8 - 12 from 8:30 - 4:00pm
Cost: $475.00
Please contact the UCSC swim office to sign up for this camp.


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Assistant Professor of Pathology, Microbiology and Immunology, Vanderbilt University School of Medicine
Vanderbilt Institute for Infection, Immunology and Inflammation
PhD in Chemistry 2011, University of Wisconsin-Madison
I received my Ph.D. in 2011 from University of Wisconsin-Madison. My research involves combining approaches from light microscopy, microbial genetics, and data science to get a clear picture of the biological processes inside bacterial cells. Microbes provide a balance of robustness and complexity not typically found in abiotic physical systems and large biological systems. I'm currently focused on how bacteria make and keep their specific shapes to thrive in diverse contexts.


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Karan Johar's 50th birthday bash was high on drama with the guests looking bold and beautiful.
Take the poll below and tell us who stole the spotlight and deserves to be crowned best dressed celeb of the evening.
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IMAGE: Mira Kapoor sizzled in an off-the-shoulder, sequinned black ensemble.
Does her glitzy look strike a chord with you? Then it's time you voted for her.
Photograph: Kind courtesy Mira Kapoor/Instagram
IMAGE: Trust Malaika Arora to pull off a neon look so elegantly.
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All photographs: Pradeep Bandekar
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Her sizzling dress came with a sheer corset and draped skirt.
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RVA is delighted to be co-hosting a free online Members' Assembly with NCVO. This event is aimed at staff and trustees from NCVO members in and around Reading. Non-member organisations in the area are also welcome. Join us to:
- hear the latest on public policy and other current issues facing the sector, and how NCVO is working on these
- meet and network with other voluntary organisations in Reading and the surrounding area
- share best practice, experiences and ideas.
There will be two short presentations, followed by opportunities for discussion.
Rebalancing the relationship
In 2018, NCVO, ACEVO and Lloyds Bank Foundation launched a project to address competition and collaboration, particularly between organisations of different sizes delivering public services. The findings from this project and considerations for practice are laid out within the Rebalancing the Relationship report. By building awareness and highlighting good practice, this report aims to encourage organisations to work in a more collaborative way. At our Members' Assembly we will explore the findings of the Rebalancing the Relationship report with voluntary organisations in Reading and the surrounding area.
Co-producing local knowledge to achieve change
Reading Voluntary Action and local voluntary and community sector organisations currently work with the University of Reading's Participation Lab on community-led research into a range of issues, including the impact of covid-19 on health inequalities, the experience of growing up in Reading and how Reading town centre can be made more inclusive. Dr Sally Lloyd-Evans, Leader of the Participation Lab and Public Engagement with Community Research Fellow, joins us to discuss the benefits of co-producing local knowledge to achieve change in any community and locality.
Book your free place for this online event via the NCVO website here.


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Workbench Holdfast Bench Clamps 732278
Holdfasts have been in use for centuries to hold boards to the top and side of workbenches to allow hands-free planning, carving, drilling, sawing, routing, etc. Holdfasts are perfect for projects that require frequent re-positioning. These are made from ductile cast iron. To use, simply drill 3/4" holes in a workbench, insert and hit with a mallet in the center of the head. To release, tap the back side of the clamp. The shafts of these are left slightly rough to grab the hole better. Holdfasts work best in benches at least 2" thick. There have been lots of complaints about cast holdfasts breaking when hit. In our tests, we tried to break these by hitting with a 4 pound sledge hammer, but were unsuccessful. These should easily hold a 3" to 4" thick board securely on you bench. These are best used in pairs. Available in singles (1) or pairs (2).
Length: 8"
Diameter: 11/16"
Reach: 4-1/4"
WARNING: Cancer and Reproductive Harm - www.P65Warnings.ca.gov


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«Nobody in His Right Mind Would've Left Her» is a song written by Dean Dillon, and recorded by American country music singer George Strait. It was released in April 1986 as the first single from the album #7. The song was originally recorded by Dillon, whose version peaked at number 25 on Billboard's Hot Country Singles & Tracks chart in 1980
From the album #7
B-side «You Still Get to Me»
Released April 21, 1986
Recorded January 30, 1986
Genre Country
Length 2:53
Label MCA 52817
Songwriter(s) Dean Dillon
Producer(s) Jimmy Bowen, George Strait
George Strait – Nobody in His Right Mind Would've Left Her Lyrics
I burn with desire each time my heart fans the fire
To that old flame that burns inside of me.
She cried when I left her, now I cry to forget her.
Oh, how foolish I was to ever want to leave.
'Cause nobody in his right mind would've left her.
I had to be crazy to say goodbye.
Nobody in his right mind would've left her.
Even my heart was smart enough to stay behind.
I still carry her picture; I wish her well
With the new love I know she's found by now.
Each night finds me dreamin', each day I spend thinkin'
How much I wish she was still around.
Even my heart was smart enough to stay behind.


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How to Choose the Right University for You
Although choosing between universities can be challenging, you can find some key differences between them can help you make the big choice. The most essential thing is to decide what kind of character and emphasis the university has and make sure it matches your own personality, desires and goals. We have identified seven key factors that can you concentrate your research on the universities that are most likely to suit you.
Research the Course Content
It probably goes without saying, but in your overall decision, the courses offered should be the biggest factor. You're going to spend at least three years studying, and chances are you're going to go on to start a career in the very same field, too. So, you're going to want to make sure you make the right choice, both in aspects of subject matter and degree type.
Try to match the content of the course to your own desires and understand that your future career goals will be affected.
Consider the Faculty's Reputation
No university is a world leader in everything, with the debatable exception of Harvard and Oxbridge. It is therefore fair that different schools have different qualities. For example, if you want to study politics, it's not necessarily good to choose a college that has an excellent medicine reputation.
Do your research online. There are various ranking tables divided into agencies that can give you an idea, as well as websites for individual schools. Make a shortlist and go from there of the top ones in your subject.
Consider the Impact on Your CV
As described above, where you study can sometimes be just as relevant as what; how much inventory can be put in the alma mater of a candidate is an ongoing discussion within HR and recruiting circles. It is undoubtedly true, however, that if a candidate has Oxbridge or Harvard on their curriculum vitae, it will make them stand out from the crowd. This is worth noting when making your decision.
Campus community
The distinctive feature is the sense of belonging of a school, so you should make sure you want to be part of it. Many groups at the university are large and some are small. Some are small, while others are spread over several campuses. Whatever the size and scope of the culture of your school, you can make sure it is integrated, with plenty of chances to meet other students through conferences, activities and shared facilities across the faculties.
Visit the Campus First
As described above, it is important to see the school and the area first hand. Visiting open days and university fairs is a good chance to meet with current students and staff and ask any questions you have. You can also see first-hand facilities that will inform your judgments better. Be sure to ask comprehensive questions about multiple subjects, including school-specific college code of conduct violation standards.
Ranking and Cost
When selecting a university, the last thing you should look at is how much it will cost you. You are more likely to spend less if you end up staying in your home city than if you choose to study overseas. Other than that, university rankings are a valuable source of insight into the performance of a university. You can assess different information about an institution based on which rating you are addressing.


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How to Defend Against Lateral Movement in Windows With OSSEC
You may have started to see greater usage of the term "lateral movement" with regards to cyber attacks. Long a directional and network traffic term, lateral movement now commonly means unauthorized connection and sharing of files between two or more internal endpoints. While an initial breach usually comes from the outside, lateral movement occurs when your system is unable to prevent employees or network access points from exchanging infected files or malicious instructions.
The network traffic terms "north-south" and "east-west" can also be applied here. In the context of an attack, north-south traffic is where an outside entity drops something down into your environment, or an attacker already in the network uploads something to an externally managed cloud. After an initial north-south breach, attackers seek to move east-west to gain greater access and visibility. This is where lateral movement comes in – a secondary, more dangerous, and intimate exploitation.
So much attention is spent on "attack surface," perimeter defense, and perimeter detection (though still not enough) that proper defense-in-depth techniques such as host hardening and inside-the-perimeter detection, i.e., lateral movement, lag behind other areas of focus. For this reason, many CISOs and SOC stakeholders are trying to implement ways to make sure things don't spread on the inside. And no better illustration of this failure is in the recent SolarWinds hack, which we will touch on later in this article.
I recently had a chance to speak with a panel of people on the topic of lateral movement as it pertains to Windows and open source security environments. The presentation, "Detecting Lateral Movement in Windows With OSSEC," was hosted by myself and Scott Shinn (Lead Maintainer of the OSSEC Project), and starred a virtual roomful of current or future Windows security administrators.
Lateral Movement in Microsoft Windows
After hearing so much about lateral movement, I decided to see for myself how these techniques worked and what sorts of artifacts they produce that could be used to improve or inform internal detection tools. Last month, I set up my own test lab system and traced some lateral movement attacks using OSSEC.
The Test: There are several legacy and "on-by-default" connection methods that Microsoft still supports, and these connections must be protected from being used as lateral vectors with which adversaries move around and get deeper for bigger opportunities.
A couple of widely reported Windows attack vectors I delved into were Remote Desktop Protocol, Windows Administrative shares, and Living-off-the-Land Binaries, or LOLBINs.
- Remote Desktop Protocol or RDP is a solution installed on desktops and servers that allows user stations to directly connect to, view, and interact with the remote desktop. It is primarily a Windows technology, but it can be installed on Apple, Linux, and other operating systems. Failure to adequately secure RDP can allow it to serve as a gateway for man-in-the-middle attacks, infection, or ransomware, resulting in service disruption. RDP ports that are misconfigured or left open often are the breach point, and these types of P2P2P attacks continue to rise.
- Administrative shares are hidden network shares created by every version of Windows since Windows NT (C$, IPC$, ADMIN$, etc.). These shares allow system administrators to have remote access to every disk volume on a network-connected system. The shares may not be permanently deleted but may be disabled. Administrative shares cannot be accessed by users without administrative privileges. After they have captured various credentials using password-harvesting attacks such as pass-the-hash and pass-the-ticket, attackers can potentially infiltrate your systems to move east-west and north-south with impunity and into the enterprise jewels to steal or destroy using malware…provided they are not detected.
- LOLBINs are Microsoft built-in tools that can be used against your network. They are generally used in administrative contexts or are used for troubleshooting or scripting. The most powerful of these is Powershell, but there are plenty of other, more constrained programs that can perform actions very useful to an attacker, such as:
* Msiexec.exe – download and install a remote file
* Net.exe – map shares and move files
* Regsvr32.exe – register payloads as legitimate dlls
* Schtasks.exe – create or modify scheduled tasks locally or remotely
The outcome: I tested these techniques and others without any installed security tools. I wanted to understand how they would work in a completely unprotected environment so that I would be able to know what artifacts (log entries, files, process activity) would result. And the scary thing is, there wasn't much to see. Until I increased Windows logging capabilities.
Default Windows logging is very insufficient to the security needs of today. However, once I increased logging in areas such as Object Access and Directory Services, I started to see super important events such as:
4698: A scheduled task was created
5140: A network share object was accessed
4688: A new process has been created
Now we had some real artifacts. However, turning on more logging tends to generate more noise. No sane administrator has time to chase down all of these items. That's where Atomic OSSEC comes in.
Because Atomic OSSEC analyzed not only the log event itself, but the content, context, and adjacency to other events, Atomic OSSEC gave me the ability to effectively monitor a more verbose Windows security logging environment to detect and deter malicious lateral movement.
For example, the event ID 4624 (An account was successfully logged on) on its own happens ALL THE TIME. However, when Atomic OSSEC sees 4624 with the "Logon Type: 3" and "Elevated Token: Yes" and "Logon Process: NTLM," it then searches for nearby events. If it sees 4776 (The computer attempted to validate the credentials for an account) and 4672 (Special Privileges assigned to new logon), it is an indicator that someone is attempting to use an admin share. Atomic OSSEC will then flag and alert. This type of ML-based filtering saves time and effort in searching for real threats.
SolarWinds "SUNBURST" Lateral Movement Techniques
When the Solarwinds news broke, I was already deep into my testing. So I looked for discussions of attacker techniques that I might use to test whether Atomic OSSEC's ML-based approach would have detected the attack, and I found this amazing article from Volexity. From this, I pulled three different attacks that were used during Sunburst to move laterally.
- Powershell Scriptlet to instantiate remote scheduled task
I modified the script from the slides as it did not have the correct context and would not run on its own:
$scheduler = New-Object -ComObject ("Schedule.Service");$scheduler.Connect($env:COMPUTERNAME); $folder = $scheduler.GetFolder("\Microsoft\Windows\SoftwareProtectionPlatform"); $task = $folder.GetTask("EventCacheManager");$definition = $task.Definition; $definition.Settings.ExecutionTimeLimit = "PT0S"; $folder.RegisterTaskDefinition($task.Name,$definition,6,"System",$null,5); echo "Done"
When executed, this command triggered EventID 4702: A scheduled task was updated. As we discussed above, this was easily caught and flagged by Atomic OSSEC. Scheduled tasks are not created often in a Windows environment, especially on systems that are under strong configuration control. This was a surprising find – this should have been caught.
Powershell Remote Copy using ADMIN c$ shares
Lateral movement doesn't just mean control, it also means data and tools. In this example, we seek to leverage stolen admin credentials from one system to another so we can later make a scheduled task for it. We will use admin shares to accomplish this task.
This command resulted in 5140: A network share object was accessed. Now this is probably a very common occurrence in Windows logs that have this Object Access class enabled. However, there is a very important piece of information that tells us that THIS occurrence is NOT common and should be investigated.
If we look at the "Share Name:" information, it tells us that this particular object used the C$ share. This should almost never happen. Thankfully an Atomic OSSEC rule that looks for this specific behavior would flag and alert you to what might be going on in your network.
Using CMD /C to create a scheduled task
This attack generated an interesting pattern of event logs (again, many of these are NOT visible by default!):
4624 Logon with Logon Type: 3 and Elevated Token: Yes
4627 Group Membership check
4673 Privileged service called (svchost.exe..not very helpful)
4698 Scheduled task created
4634 Logoff – a logon session was destroyed. (This was interesting.)
Not only do we have a scheduled task created, we have one surrounded by interesting events 4624 with our Elevated Token, and a 4634 that I am looking to explore further. Again, Atomic OSSEC picks up not only the event log entry, but the contents (the flags and fields) and the context (the related events).
Atomic OSSEC can stop this malicious lateral movement based on ML generated rules, but also enables you to analyze logs, leverage Global Threat Intelligence, and drill into data and patterns for more strategic security as part of DevSecOps, where security is not an afterthought in business computing.
Atomic OSSEC for Defense Against Lateral Movement
The security solution provides alerts on the following, letting you know and manage:
- What commands users are executing, and from where
- What (e.g., port) has been left open and where listeners are on the network.
- Where, which region, which port, which network.
- What's being requested.
- If the log-in attempt is coming in a way that is not acceptable or suspicious.
- If multifactor authentication (MFA) is required for this access.
- Detection and blocking of new threat actors such as Sunburst Backdoor.
- When to raise alarms and activate responses against elevated tokens and event content changes that are a telltale sign of lateral movement. These alarms are based not only on EventID but the event content and the event context of one or more related events.
- When to configure alerts and alarms to initiate active response – we will deal with this in another blog post.
These are all clues to key in on and address, as you try to protect your disassembled workforce.
Atomic OSSEC can do this simply and easily. Instead of installing invasive endpoint agents, Atomic OSSEC's lightweight agents simply leverage existing logging facilities. Increasing your Windows logging capabilities to give OSSEC greater visibility can be done without significant system load – the Windows log can be set to rotate out older events. OSSEC will capture the events as they come in, process them, and provide you a full audit trail.
Atomic OSSEC empowers you to be knowledgeable and agile enough to stop the hack in its tracks, through leading file integrity monitoring, vulnerability scanning, security automation and by providing the full picture, linking logs to events so you can go in and investigate more thoroughly.
Listen to a replay of the session, "Detecting Lateral Movement in Windows With OSSEC."


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Please remember in your prayers Nathalie Carlsted, 84, mother of David Carlsted, Physical Plant building service worker. Nathalie died Thursday, May 8.
The funeral service was held at 11 a.m. Tuesday, May 20, at St. Timothy Lutheran Church, 1465 Victoria St. N., St. Paul.
An obituary and guest book can be viewed at Legacy.com.


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I love baseball. My favorite baseball player is Yadier Molina. I play on the school's baseball team as the catcher. I'm originally from Columbia. I'm here with my mother and my father is still in Columbia. We've been here for only four months.
I first started baseball after a man came to my school one day when I was eight- or nine-years-old and taught my class about the game. He said I was really good. He spoke to my mother and she was happy because she had always loved baseball.


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"Liberamos nuestro CTF creado por y para la old school."
We released our CTF created by and for the old school.
"Nivel : medio-bajo
Tipo de CTF : lineal, una prueba te va llevando a la siguiente.
Idioma : Español
Plataforma : Raspberry pi 3
Tools para grabar la imagen : win32image o ApplePi-baker"
Level: medium-low
Type of CTF: linear, one test takes you to the next.
Spanish Language
Platform: Raspberry pi 3
Tools to burn the image: win32image or ApplePi-baker
"Descarga la imagen lista para grabar en una sd y montarla en tu raspberry pi, conectala a la corriente y a jugar!"
Download the image ready to burn to a SD and mount it on your raspberry pi, plug it into the stream and play!
"link de descarga : https://mega.nz/#!qANi1STA!tjxTAhaAA1WyoZwp-tp5OWVz8251hJw57Y0kp0skiyc"
Download link : https://mega.nz/#!qANi1STA!tjxTAhaAA1WyoZwp-tp5OWVz8251hJw57Y0kp0skiyc
"Espero que os guste.
I hope you like it.
Defenc Space CTF is our first Iso design to honor our fallen hero in the military who have fought to defend the integrity of our country Nigeria. The story line on the CTF are based on true life happening in Northern Nigeria, however we have adopted code name "Operation Lafia dole" , the cyber component of the operation to make the challenge more exciting to our players to puzzle the challenge.
Exercise start from simple information gathering which is applicable to both military and cyber based operation to complex infiltration and encryption been used by intelligence agency around the world to pass out secret. The player module uses tools in kali Linux to achieve it result. Other related information is on Open Source Data "goggle it". It has 7 flags to be captured but so addictive said C.E.O of Silex Secure.
Author's Walkthrough: http://ctf2017.silexsecure.com/walkthrough/2017-defence-ctf-walkthrough/
"Enjoy" --- @ryanoberto
This is my first boot2root machine. It's begginer-intermediate level.
It's been tested in VBox and VMware and seems to work without issues in both.
A tip, anything can be a vector, really think things through here based on how the machine works. Make a wrong move though and some stuff gets moved around and makes the machine more difficult!
This is part one in a two part series. I was inspired by several vms I found on vulnhub and added a bit of a twist to the machine.
Good luck and I hope you guys enjoy!
This is my first CTF/Vulnerable VM ever. I created it both for educational purposes and so people can have a little fun testing their skills in a legal, pentest lab environment.
Some notes before you download!
This is a Boot2Root machine. The goal is for you to attempt to attempt to gain root privileges in the VM. Do not try to get the root flag through a recovery iso etc, this is essentially cheating! The idea is to get through by pretending this machine is being attacked over a network with no physical access.
I themed this machine to make it feel a bit more realistic. You are breaking into a fictional characters server (named Wallaby) and trying to gain root without him noticing, or else the difficulty level will increase if you make the wrong move! Good luck and I hope you guys enjoy!
This is my very first public Boot2Root, It's intended to be more of a fun game than a serious hacking challenge. Hopefully anyone interested enough to give it a try will enjoy the story with this one.
It is based on the StarWars storyline and is designed to Troll you in a fun way.
Just be warned, it's littered with more than a few "Red Herrings" ;D
There are 6 flags to collect. Each in the format of flag1{ZXhhbXBsZSBmbGFnCg==} Beat the Empire and steal the plans for the Death Star before its too late.
I Hope You Enjoy It.
These four virtual machines were created by members of the VulnHub CTF Team for DefCon Toronto's first offline CTF.
They have been tested with VirtualBox, and will obtain an IP address via DHCP upon bootup. Difficulty ranges from beginner to intermediate.
Each machine has a landing page on port 80 which describes the number of flags it has, along with any additional rules or hints.
This was used in HackDay Albania's 2016 CTF.
The level is beginner to intermediate .
It uses DHCP.
Welcome to another boot2root / CTF this one is called Teuchter. The VM is set to grab a DHCP lease on boot. As with my previous VMs, there is a theme, and you will need to snag the flag in order to complete the challenge. Less hochmagandy and more studying is needed for this one!
A word of warning: The VM has a small HDD so please set the disk to non persistent so you can always revert. You may need to set the MAC to 00:0C:29:65:D0:A0 too.
Hints for you:
SHA1SUM: b5a89761b0a0ee9f0c5e1089b2fde9649ba76b3f Teuchter_0.3.ova
Welcome to "IMF", my first Boot2Root virtual machine. IMF is a intelligence agency that you must hack to get all flags and ultimately root. The flags start off easy and get harder as you progress. Each flag contains a hint to the next flag. I hope you enjoy this VM and learn something.
Difficulty: Beginner/Moderate
Can contact me at: geckom at redteamr dot com or on Twitter: @g3ck0m
IMPORTANT NOTE: do not use host-only mode, as issues have been discovered. Set the Billy Madison VM to "auto-detect" to get a regular DHCP address off your network.
Plot: Help Billy Madison stop Eric from taking over Madison Hotels!
Sneaky Eric Gordon has installed malware on Billy's computer right before the two of them are set to face off in an academic decathlon. Unless Billy can regain control of his machine and decrypt his 12th grade final project, he will not graduate from high school. Plus, it means Eric wins, and he takes over as head of Madison Hotels!
Objective: The primary objective of the VM is to figure out how Eric took over the machine and then undo his changes so you can recover Billy's 12th grade final project. You will probably need to root the box to complete this objective.
Other Information:
Special Thanks To:
Wellcome to "PwnLab: init", my first Boot2Root virtual machine. Meant to be easy, I hope you enjoy it and maybe learn something. The purpose of this CTF is to get root and read de flag.
Can contact me at: [email protected] or on Twitter: @Chronicoder
HOLY SCHNIKES! Tommy Boy needs your help!
The Callahan Auto company has finally entered the world of modern technology and stood up a Web server for their customers to use for ordering brake pads.
Unfortunately, the site just went down and the only person with admin credentials is Tom Callahan Sr. - who just passed away! And to make matters worse, the only other guy with knowledge of the server just quit!
You'll need to help Tom Jr., Richard and Michelle get the Web page restored again. Otherwise Callahan Auto will most certainly go out of business :-(
The primary objective is to restore a backup copy of the homepage to Callahan Auto's server. However, to consider the box fully pwned, you'll need to collect 5 flags strewn about the system, and use the data inside them to unlock one final message.


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Identity area
Type of entity
Authorized form of name
Walker, Philip
Parallel form(s) of name
Standardized form(s) of name according to other rules
Other form(s) of name
Identifiers for corporate bodies
Description area
Dates of existence
Philip Walker spent 32 years at The Record, documenting the region of Waterloo. He was a photojournalist who created great photos of the region, capturing moments readers will remember. He took his last photos for the Record in 2014, when the physical demands of the job became too much.
Legal status
Functions, occupations and activities
Mandates/sources of authority
Internal structures/genealogy
General context
Relationships area
Related entity
Kitchener-Waterloo Record
Identifier of related entity
Category of relationship
Type of relationship
Dates of relationship
Description of relationship
Walker worked as a photographer at the Kitchener-Waterloo Record


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The petrol and diesel prices are stable in the capital city of Bhubaneswar and Cuttack.The price of petrol per liter remains unchanged at Rs 103.22 in the capital city of Bhubaneswar today, diesel price remains at Rs 94.70 per liter. Similarly, the fuel price in Cuttack remains at Rs 103.54 and Rs 95.10 per liter for petrol and diesel respectively.
As per the fuel rate chart, the price of petrol remains at Rs 104.66 in Ganjam and Rs 109.20 in Malkangiri. Similarly, in Sambalpur the petroleum product is priced at Rs 104.29. The rate of petrol is 103.75 in Bhadrak and Rs 107.90 in Koraput.
The government has decreased the price of commercial 19 kg LPG cylinders by Rs 135 per cylinder . However, there has been no change in the prices of 14.2 kg domestic LPG cylinders.
Notably, India meets 80 per cent of its oil needs through imports. Retail rates are adjusted according to the global movement in crude prices.
Source: odishatv.in