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Lenders charging more than 2,500 per cent APR were given the green light last week as the Office of Fair Trading reported that the payday loan market worked "reasonably well" and there was no argument for imposing price controls.
But the verdict has renewed the debate over whether high-cost credit lenders are providing a much-needed service or preying on vulnerable borrowers who cannot get credit elsewhere.
The report looked at the £7.5bn loan market provided by payday loans, home credit, pawnbroking and rent-to-buy firms.
"It is a cruel irony that people who are already struggling financially have to pay so much to borrow money," says Marie Burton, financial services expert at Consumer Focus. "Unless more affordable credit is available, simply clamping down on high-cost lenders will not provide the answer because it may push people to riskier borrowing from loan sharks.
"The OFT's report shows that it would be very hard to boost competition among high-cost lenders and drive a better deal for consumers. It is therefore important that the Government considers how it can make sure lower-cost borrowing, like credit unions, is available to borrowers on low incomes."
Tom Howard, from the Consumer Credit Counselling Service, agrees. "High-cost credit fills a niche for people who are excluded by mainstream lenders. Provided people know what they have to pay and manage their accounts well, then there is not a problem. However, we would like to see the mainstream lenders step up to the plate and provide more options for these borrowers."
Payday loan providers deny they are targeting vulnerable customers. Ohad Hessel, marketing manager at the payday loans company Payday Bank, says: "We are often the only source of lending for those refused credit and in need of emergency financial help. Using an APR is the wrong metric to judge payday loans as the average customer borrows money for just a few days."
For example, borrowing £100 for 20 days through a payday loan company would have an APR of 2,686 per cent, if the fee was £25.94. This is because the APR is the annual rate and works on the assumption that these costs are incurred every month for a year.
People who take out payday loans are not, as you may think, financially excluded, vulnerable low-earners. At least that's what payday loan firm Speed-e-loans claims. It says its customers have an average wage of £21,000 and on average borrow £212 for 36 days. The majority are 23 to 35 years old and some 23 per cent are office workers, 5 per cent are accountants or solicitors and 13 per cent are in sales and marketing.
Gary Miller-Cheevers, chief executive of Speed-e-loans, says: "Payday loans fulfil two roles. Firstly, they are used by people who genuinely run out of money each month and don't have access to an authorised overdraft. Secondly, people use them for lifestyle purchases where they need the cash quickly and for a short period of time. Borrowers have to have a bank account and debit card to access our service so they are not excluded."
One of the biggest gripes against payday loans is their sky-high APRs. But research shows that they can actually work out cheaper than using an unauthorised overdraft from your bank. Payday firms such as Cash Advance Offer and Purple Payday charge £25 for every £100 borrowed each month.
That may sound expensive, but it's not as expensive as taking out an unauthorised overdraft with your mainstream bank. If you slip into the red without permission with Lloyds TSB, for instance, you will pay a £15 monthly fee plus up to £200 in daily fees if you owe more than £100 for 10 days or more in a month. Interest is also charged at up to 19.3 per cent EAR. So you could end up paying £215 plus interest for borrowing £200 for the month, compared to just £50 with a payday loan company. Alliance & Leicester, meanwhile, charges £5 a day up to a maximum 20 days in any month – which is a charge of £100 a month regardless of the amount you owe.
But Confused.com is concerned about how clear payday loan firms make their charges should borrowers miss payments or want to extend their loan. Sharon Flaherty, editor at Confused.com, says: "Most of the payday loan firms we investigated didn't display the penalties charged if people miss payments or want to extend their loan. In one case our researcher was told that details would only be available once they had registered and applied for the loan. People using these services are not likely to be financially sophisticated and could more easily fall into penalty traps. We would like to see firms forced to clearly display their charges – if they are not clearly highlighted then borrowers may believe none apply."
case study
My bank would probably have charged me more
'With such little regulation, these companies can do what they like'
olly stock, a music plugger and DJ, borrowed £200 through Speed-e-loans when his boiler broke down in January.
"I got home really late from a show and realised that the boiler had failed. The flat was freezing. The next morning I called a local boiler repairman and got a quote for £180. Money was a bit tight, so I applied to Speed-e-loans and the money was in my account in less than two hours," says Olly, who lives in east London.
He meant to pay back the loan as soon as he received money from outstanding invoices. But when he was offered a ticket to the Glastonbury music festival, his priorities changed.
"I extended the loan for another month and bought the ticket. I paid back the loan a month later and would definitely use the service again. The charges were all very clear and reasonable and my bank would probably have charged me more. Normally I would just wait till I had the money to buy things, as I am freelance and my income is not regular. But when something like a boiler breaks down it is needs must, so I borrowed the money."
Borrowing the money for 40 days cost him £90.40. Had he taken out an unauthorised overdraft with his bank, NatWest, he could have found himself paying £40 in maintenance charges, up to £180 in fees for transactions while in the red, and interest at 19.24 per cent EAR.
ian thomas is a man with a mission. The 40-year-old public relations account director from Banbury wants four-figure APRs to be outlawed and is leading a Facebook campaign and has set up a website at http://2356percent.co.uk. Here he explains why.
Why do you think payday loans are wrong?
I don't consider the idea of payday loans to be wrong. Everyone, at one time or another, needs short-term cash to overcome a short-term cash problem and there is a demand for these kinds of services. I have a problem with the cost of borrowing.
On small amounts, the interest charged can seem relatively cheap but, when the cost of borrowing £400 is £125 over a 30-day period, that's a very expensive line of credit.
The market doesn't work in favour of consumers and there is a lack of competitive choice. So businesses lend at rates that appear favourable in contrast to high-street bank's unauthorised overdraft rate, but since when were bank's a benchmark of proportionate and fair charging?
What have you done about it?
The 2356percent campaign was a spur of the moment thing. I was off with the kids during their half-term break and saw a Quickquid advert on TV. I was appalled by the headline APR and tweeted about it. The tweet provoked alarm from followers and so I started looking for any groups or organisations campaigning for fair APRs. At the time, I couldn't find any, and so I set up a Facebook Group at http://bit.ly/ahRMHX. Today, we have more than 440 members.
I learnt that the Office of Fair Trading (OFT) was responsible for licensing payday lenders and that regulation of their conduct was virtually none existent. The need for a regulatory framework to ensure borrowers are given the same protection as savers and investors – the principle of fair treatment of consumers – became a focus for the campaign.
I started emailing MPs and Greg Mulholland responded by suggesting the idea of an Early Day Motion in Parliament to draw attention to the issue in the Commons. This gave members of the Facebook group the chance to take part in a letter-writing campaign. Their participation meant that 31 MPs signed the EDM.
The recent report from the OFT, which effectively gives a green light for the payday lenders to simply carry on profiteering, serves to highlight the need for pragmatic regulatory parameters to be set because the approach to personal financial regulation in the UK is fragmented.
For instance, as a consumer, if I want to complain about the conduct of a payday lender, I might expect the FSA to regulate them but they don't so you head to the OFT, which licenses them but doesn't handle complaints. So you have to resort to local Trading Standards, which only have the ability to influence providers in their area and have no sway whatsoever over broader regulatory principles and policy. Regulation in Britain works in favour of those with money and not those who need to borrow it. And that's what needs to change.
What would you like to see changed?
I have a short-term and long-term view on what needs to change. It's quite clear that there is consumer demand for products of this type, and that competition is essential, but that competition is lacking today; lenders charge what they think they can get away with and not what's a fair rate. Banks are licking their wounds from the liquidity crisis and are unlikely to spark competition by entering the market for sub-prime payday lending. So, I would like to see payday lenders brought immediately under the jurisdiction of the FSA's successor and the principle of treating customers fairly applied.
In the long run, I think the emergence of brands like Zopa point the way. If I could wave a magic wand, I would like to help popularise widespread adoption of credit unions. My vision is for a UK-wide peer-to-peer lending and savings platform – underpinned by capital reserves built up by each member of the platform – which offers local credit unions a national infrastructure on which to build their service.
This would enable communities to easily establish their local credit union online – in much the same way as you create a Facebook profile – and effectively shut down access to the market for unscrupulous pay-day lenders. Put simply, I'd like to help beat the payday lenders at their own game – just fairly.
Bad credit history?
People with bad credit history, or those who have been excluded from mainstream banking, can take steps to improve their credit standing.
*Get a copy of your credit file. These are available from Experian, Equifax and Callcredit. Paper versions cost £2 or you can pay more for an online version.
*If there are inaccuracies on your file, write to both the lender and the credit agency asking for a correction. If your name is linked to someone with a bad credit history, but you have no joint finances with them, then ask for a notice of disassociation to be put on your file. If there are good reasons why you have a poor credit history – for example, a divorce or illness – then have a notice of correction put on your file. Any prospective lenders must read the notice and take it into account when you apply for credit.
*Make sure you are on the electoral role.
*Build up other forms of identification such as utility bills in your – or joint – names, a driver's licence or passport.
*If you can get credit then make sure you manage it well by making every payment in full and on time. This will let you rebuild your credit history and show you are a good risk. Your credit history goes back six years so it is possible to repair it over time.
Looking for credit card or current account deals? Search here


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You can now download all Tintin comics in Bengali language from here. These books/comics are available in reading friendly edition for online reading. You can find your favorite Tintin comics and story ebooks in this free bangla downloading website. For easy downloading and smooth reading, these downloading links are from best quality server. From the first release from Hertz to his last creation, you will find all ebooks under this website. Though this collection is huge but all Tintin comics have been categorized in such a method, that job of downloading needs minimum effort.
Now lets talk about the collection, this collection includes the following adventure stories of Tintin.
Download Bangla Tintin comics "Ashcharja Ulka (Mysterious Comet)"/Read this comics online
Download Bangla Tintin comics "Congoy Tintin (Tintin in Congo)"/
Download Bengali Tintin comics "Chande Tintin (Tintin in Moon)"/
Download Bangla Tintin comics "Kankra Rahosyo (Adventure of Cancer)"
Download Bangla Tintin comics "Bombete Jahaj (Pirate Ship)"
Download Bengali Tintin comics "Chandraloke Avijan ( Adventure in Moon)"
Download Bangla Tintin comics "Kalo Sonar Dese (Land of Black Gold)"
Download Bengali Tintin comics "Kanvanga Murti (Ear broken Statue)"
Download Bangla Tintin comics "Flight 714 (Flight 714)"
Download Bengali Tintin comics "Lal Bombeter Guptodhon (Hidden treasure of Red Pirates)"Read this comics online
These ebooks are in .pdf format. For more comics and story books download just follow our latest updates.Click on the "Download" option and download smoothly with esnips downloader.
These compilation will be updated regularly. So check for the latest addition in the series "Tintin in Bengali". Next Tintin collections coming soon!
These compilation will be updated regularly. So check for the latest addition in the series "Tintin in Bengali". Next Tintin collections coming soon!
Download More Tintin comics in Bangla.
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Enjoy Handa Vonda Latest comics

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Aqua Teen Hunger Force
Aqua Teen Hunger Force | |
Format | Animation Sitcom |
Created by | Matt Maiellaro Dave Willis |
Starring | Carey Means Dave Willis Dana Snyder C. Martin Croker |
Narrated by | Schoolly D (2000-2003) |
Theme music composer | Schoolly D |
Country of origin | United States |
Language(s) | English |
No. of seasons | 7 |
No. of episodes | 100 |
Production | |
Executive producer(s) | Keith Crofford Mike Lazzo |
Producer(s) | Matt Maiellaro Dave Willis |
Running time | Approx. 11 minutes |
Broadcast | |
Original channel | Adult Swim |
Picture format | 480i (SDTV) |
Original run | December 30, 2000 – August 30, 2015 |
Other websites | |
Official website |
Aqua Teen Hunger Force is an American animated comedy television series that is shown on the Cartoon Network's Adult Swim. The series is about three talking food items and their next door neighbor who live in New Jersey. In each 11 minute episode, the Aqua Teens often become part of some very unusual story that often involves one or more characters who often come on the show. The humor of the show is very unusual and some people do not understand it.
Main characters[change | change source]
- Frylock is a large box of french fries who floats above the ground. He is very good at science and using computers. He is the smartest member of the Aqua Teen Hunger Force but the other members often do not listen to what he says. He is also very good at making new things like cloning machines and guns that shrink things. He also has several special powers, such as the ability to shoot harmful bolts of energy.
- Master Shake is a large plastic cup with yellow rubber gloves for hands. He is very sarcastic and is not as smart as he thinks he is. He is the character that causes problems for the group most often and is also the character who dies the most. His only power is to shoot green goo out of the straw on his top.
- Meatwad is a ball of meat who can change shape. He is the least intelligent of the Aqua Teens and is usually acts like a young child. Master Shake often does cruel things to him. Because of this, Meatwad is quick to do bad things to Master Shake whenever he has the chance.
- Carl Brutananadilewski is the quick tempered, overweight, sarcastic, balding, hirsute neighbor of the Aqua Teens. He likes sports, pornography, and rock music (especially "More Than an Feeling" by Boston) which help him with masturbation which is his favorite activity. He hates the Aqua Teens, and he considers them as "freaks". He especially hates them when they are in his swimming pool. He also has his own show on Adult Swim. com which is simply called Carl and is about his comments and feelings on sports.
- Dr. Weird is a mad scientist who lives in a rainy South Jersey laboratory. He appears in almost every episode in the first two seasons in the cold openings, which involved him and his helper Steve doing random things. He and Steve will return in season 8.
- Steve is Dr. Weird's helper who wears a lab coat and is usually seen staring or holding a test tube. He likes Dr. Weird, but Dr. Weird often uses him for his crazy experiments which usually hurts and/or kills him.
Cast[change | change source]
Main cast[change | change source]
- Dave Willis as Meatwad, Carl, various others
- Dana Snyder as Master Shake
- Carey Means as Frylock
- C. Martin Croker as Dr. Weird and Steve
Dave Willis is the only cast member to appear in every episode.
Dana Snyder and Carey Means have been absent for one episode.
C. Martin Croker is only a main cast member on the show's first two seasons. His only other appearance was on a season 7 episode.
Recurring cast[change | change source]
- Matt Maiellaro as Err, Cybernetic Ghost, various others
- Andy Merrill as Oglethorpe
- Mike Schatz as Emory
- mc chris as MC Pee Pants
- Tommy Blacha as Dr. Wongburger
- George Lowe as various voices
- H. Jon Benjamin as various voices
- Schooly D as Narrtor (he also sings the theme song)
Film[change | change source]
In 2007 an 85-minute movie was released which is called Aqua Teen Hunger Force Colon Movie Film for Theaters. The movie is about the characters trying to put an exercise machine together. The movie has special appearances by Neil Peart of the band Rush, Chris Kattan, Fred Armisen, Tina Fey, and Mastadon. The movie also shows the fourth Aqua Teen, a chicken nuggett named Chicken Bittle, voiced by Bruce Campbell. The movie lost money because some light-up advertising devices caused a bomb scare in Boston.
Other websites[change | change source]
Wikiquote has a collection of quotations related to: Aqua Teen Hunger Force |
- Official site
- Official UK website
- Aqua Teen Central - Fan site
- The Kittenpants News - interview with Dave Willis and Matt Maiellaro, December 5, 2004
- The Onion A.V. Club - interview with Matt Maiellaro and Dave Willis, (2005-06-14)


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Games | Play free online games! |
>Mini Soccer
Mini Soccer
Play with your own profile by registering yourself for this fun game. You can also play as guest, but your scores and account will not be saved then.
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Mini Soccer
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Play soccer against robots. Try to win.Controls
Arrow keys = move Z/X = pass and shoot |


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Topic: ISLAMIC GAME | |
Author | Message |
Male Islam Starter. Joined: 11 May 2014 Location: United States Online Status: Offline Posts: 1 |
Topic: ISLAMIC GAME Posted: 11 May 2014 at 5:59pm |
As-Salaamu alaykum (peace to all of you) I am new to the forum but not the site itself. I have developed an Islamic board game that I am trying to share with all who are willing to check it out and support a muslim company. The game is called "Jumu'ah Time" and the website is here ---->>>> https://www.thegamecrafter.com/games/jumu-ah-time I hope to spread fun through Islam around the world. May Allah be pleased with our efforts. Thank you all in advance.
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Note: The 99 names of Allah avatars are courtesy of www.arthafez.com


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Artist description:
"Red" was let out for his morning run, but the bacon frying inside was more fun than chasing rabbits this morning. He stayed on the porch hoping for a taste of his master's breakfast. (From imagination & glimpse of ptg. by James Coleman I saw on TV)
Canvas Draw Created Jul 13, 2011 640 x 460px Unless noted Copyright 2011 Salita.
We encourage you to submit a comment and let the artist know what you think of this drawing. Please log in or join to post a comment.
Post a comment
Beautiful cabin by the stream! I love the dog and his loyalty to his master! Excellent job on drawing the green leaves and grass which look so realistic! 5H!


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Kings Gameday: Is This Irony?
LA Kings (*flush) vs. Phoenix Coyotes (30-25-4, 10th in West)
7:30 PST, FSN West
Irony is a difficult thing to diagnose. I can never tell if it really is irony or if it's just coincidence. So, you'll have to tell me:
Rob Blake demands a trade at the trade deadline in 2001 and the fans hate him for it because they want him to stay.
Rob Blake wants to stay in LA instead of being traded at the trade deadline in 2008 and the fans hate him for it because they want him to leave.
Is this irony, or just kind of funny? I like to think that it was Bowlby that wanted to leave and Rob Blake who wants to stay.
If Blake is being honest (and I'm sure he does want to finish his career in LA), then our potential trade deadline haul just got a little less impressive. On the plus side, this could make Brad Stuart more desirable and I think fans of other teams will inevitably talk themselves into Stuart because he has the body of a prototypical defenseman. That'll last until the first time he passes the puck directly to the other team, and then they'll hate him. He's really the only piece we have left, besides maybe Derek Armstrong. I think there's a market out there for Armstrong, if a team wants a solid 4th line center who is a good locker room guy. I don't know, we have 12 days before everything shakes out, but I think Kings fans may have aimed a little too high and will inevitably be disappointed.
Goal by Mueller, assists by Doan and Stuart
Lauri Tukonen was called up at the expense of Brian Boyle yesterday. (What, Boyle only had 4 goals in 8 games? Send him down!) I imagine they're just giving Tukonen a shot at the show to see if he has a chance to win a job on our third or fourth line in the future. (They could be planning on trading him as well.) Boyle had been playing wing (not his natural position) with Frolov and Armstrong the last two games anyway so I imagine they'll just move Purcell up to his spot and let Tukonen play with Calder and Handzus. And still, Brian Willsie continues to wear an NHL uniform...
Prediction: Kings lose, 4-3. They'll be foiled once again by the dastardly Radim Vrbata. VRBATA!!!!!!! Anyway, goals by Frolov, Giuliano, and Preissing.


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On this page you can search all of the jobs we are currently recruiting for at A2Dominion. When you click on a role, you can view more details about it and what is required before you apply. Once you submit an application, you can sign in using your account to view its progress. If you experience any difficulties using our vacancy search and registration portal, please contact our Recruitment Team.
Find out how the A2Dominion Group values and invests in its people, learning and development opportunities we offer and our competitive benefits and rewards. You can also read our Equality and diversity policy and tips and advice for interviews.


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Loading... BIPLANE TO MONOPLANE: Aircraft Development 1919-39 (History of Aircraft)by Philip Jarrett
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References to this work on external resources. Wikipedia in EnglishNone Amazon.com Product Description (ISBN 0851778747, Hardcover)This is a study of aircraft, from biplanes to monoplanes between the years 1919-39. The book is part of a 12-volume series, which covers the production and operation of aircraft worldwide. Each volume is devoted to essays on aircraft types, their development and option, systems and equipment. As well as outlining developments.Each article seeks to explain why progress was in a particular direction, emphasizing the political, strategic or economic factors that dictated that development. Moving from the general to the specific, graphs and tabular data relating to typical or significant aircraft or allied subjects are provided in each section. ?The series concentrates on the development of aircraft from the viewpoint of their technical development, the effect of technical development on the use of aircraft, and the effect of their usage on technical development. Contributors to this title include: Ken Munson, John Stround, Ted Hooton, Peter Hearn, Norman Friedman, Darrol Stinton, Patrick Hassell, Mike Hirst, Morman Barfield, Harry Woodman, Ralph Barker, Sebastian Ritchie and Christopher Shores. (retrieved from Amazon Thu, 12 Mar 2015 18:24:53 -0400) No library descriptions found. |
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Kitchen Craft Colourworks 5 Piece Knife Block Set - Kitchen Craft Colourworks CWKNB20, A set of five high quality stainless steel knives stored within an elegant graphite coloured wooden knife block. Each knife has a taper ground cutting edge for superior performance and has a colour coded handle, not just for appearance but for quick identification of each knife when stored in the block. For comfortable and safe use, the knives have been weighted with non-slip easy grip coatings applied to the handles.Designed to co-ordinate with a number of items in the Colourworks range, allowing you to mix and match your kitchen in a striking array of colours. Kitchen Craft Colourworks CWKNB20 5 Piece Easy Grip Knife Block Set
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Perl Monk, Perl Meditation | |
PerlMonks |
Comment on |
( #3333=superdoc: print w/replies, xml ) | Need Help?? |
Computer science is as useful for writing good software as literary criticism is for writing a good story. Comments? update (12-30-2001) for whatever it is worth, I do strongly believe both CS and literary criticism are useful. However, a life unexamined is not worth living. Thanks to everyone who contributed. In reply to (OT?) Usefulness of CS by social_mandog


text: CrowdFundingplanning organization focuses on Establishing a solid framework to create and add value to the Creator Economy and CrowdFunding community. Every so often our research lead us to information that are simply brilliant . The following is one of them . We highly suggest you review it . One market that has always seemed immune to disruption (as popularized by Clayton Christensen in the Innovator's Dilemma) has been the market for money itself. While all sorts of companies were being disrupted — by fledgling competitors introducing lesser-featured products no one really wanted — those who financed the disruptors gained the most. Venture capitalists and investment bankers reaped the benefits when those fledgling companies' innovative features finally moved into mainstream markets. But those days of benefitting, while remaining immune to, disruption is done. Because of crowdfunding, Christensen's heartless yet proven principle is finally turning its steely gaze toward the very way capital is allocated and accessed. However, I'm going to argue here not just for the popular notion of crowdfunding as backing "projects," but as backing people, too. First, the facts: A total $2.7 billion was pledged by individual donors through crowdfunding last year, according to reports by research firm Massolution — up 81% from the year before. This space is only going to heat up further when SEC rules for the JOBS Act are released this year, paving the way for equity crowdfunding. Let's start with Kickstarter as the obvious crowdfunding example. The company was founded by three guys with no previous finance experience. The target return for investors who back development of new products — from objects to movies — on Kickstarter is … nothing. Backers are instead rewarded with early access or other in-kind rewards. Given these facts, the idea that crowdfunding could be disruptive to the venture capital industry may have caused uncontrollable giggling in the VC conference rooms of Sand Hill Road. But what skeptics fail to realize is that the motivations of crowdfunding "investors" are different: These are not quant investors looking to maximize financial returns while minimizing risk and volatility. They don't want to pour money down the drain, obviously, but their motivations differ substantively from those of traditional financial investors. Crowdfunders and angel investors, while not purely philanthropic, share the common desire to participate and be involved in the creation of something new. Put another way, it's more about the case than cash (a phrase I picked up from Kiva co-founder Jessica Jackley). And that desire is the disruptive "feature" of crowdfunding. It's the kind of feature that even Christensen couldn't have predicted when looking at technology companies of yore. I witnessed first-hand the disruptive power of such features when I lead the Google Apps team for several years. "You can't even do footnotes!" shouted Microsoft CEO Steve Ballmer to two Gartner analysts on stage. What he didn't realize was that consumers and businesses weren't adopting Google Apps based on existing features (like footnotes); they wanted bold, newfeatures such as real-time collaborative editing and access from any browser. Venture capital firms' response to crowdfunding is not dissimilar to Ballmer's response, though in this case it's more finely veiled. Some of the most prominent VCs proudly admit they've outsourced high-risk early-stage consumer investing to angel investors entirely, so what's not to like about crowdfunding? But it's a tell-tale sign of disruption when such incumbents focus on their most lucrative customers while disruptors pursue the less desirable ones at the lower end of the market. In the VC world, this means writing bigger checks for later stage venture deals; they're increasingly leveraging their brands and reputations to gain access to less risky deals rather than betting on their ability to identify world-changing ideas and teams at a very early stage. In the crowdfunding world, no company better represents the disruption underway in capital markets than Kickstarter. But there's more to crowdfunding than just Kickstarter. Besides popular platforms like Indiegogo, there are a growing number of Kickstarter-like companies. Meanwhile, startup-funding companies like AngeList and Funder's Club are turning everybody (for now, only accredited everybodies) into angel investors. When the JOBS Act rules are finalized, these online platforms will let virtually anybody become an angel investor. There's one big concern, however: If Sand Hill Road doesn't always get it right … what hope does Aunt Sara have of generating positive returns in her quest to find and finance the next Facebook? Perhaps the disruptive feature of participation and involvement isn't enough to generate a mainstream asset class. We need more. This is where, I'd argue, investing in people — not just projects and companies — can change the game. Predicting success for a newbie startup is notoriously difficult. But investing in people is one of the only ways to get a risk/return/volatility investment profile that actually works. It's a model that could also appeal to quant (not just cause) investors as well. Besides amusing, isolated examples like the man who sold IPO shares in himself, companies like Upstart (which I founded) and Pave make it easy for people to invest in other people. Why is investing in people a safer bet? Because there are clear — and measurable — signals reflecting their accomplishments and hinting at their potential. It's not unlike the logic used by big companies or universities faced with countless candidates, by recruiting firms and talent agents, and others. By using data and algorithms — in this case, a sophisticated regression model that considers variables like school, area of study, standardized test scores, internships, job offers — we can statistically predict a person's future income. Such a model allows a person to "borrow" from his or her future self. In this way, platforms that crowdfund people assist in allocating capital to individuals who are statistically more likely to do compelling things with that capital. (For us, the model is simple: Backers contribute toward a person's funding goal and receive in return a small slice of that person's income for 10 years.) Making more capital available to more of the world — as long as it's offered on fair and reasonable terms — seems to be a universal good. In purely economic terms, current crowdfunding returns are considered mere rounding errors in the capital markets of today. But newer, smarter, and more efficient forms of financing will certainly drive lower returns for incumbents. The real disruption and impact of crowdfunding won't be understood for a decade or more. We're only at the beginning. But it's no longer an indie experiment, either. Poted from: http://www.wired.com/opinion/2013/04/the-next-big-thing-in-crowfdunding-kickstarting-people/ |


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With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
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Brushless Gimbal for Aerial Photography Drones
How to make an entire drone/Multirotor and camera gimbal using laser cut parts
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text: feiyue fe lo silver glitter feiyue $ 48.00 11 / Silver/Glitter - $ 48.00 12 / Silver/Glitter - $ 48.00 13 / Silver/Glitter - $ 48.00 1 / Silver/Glitter - $ 48.00 2 / Silver/Glitter - $ 48.00 Quantity Sucessfully added to cart! This variant is currently sold out Please fill in the form below if you'd like to be notified when it becomes available. you can never go wrong with a great pair of tennis shoes, especially when it's another perfect pair from Feiyue! about Fieuye: In the 1920's, a durable and simple plim-sole emerges in the streets of Shanghai as the people's shoe. In 1963, it becomes the country's top selling shoe and gets widely adopted by the Shaolin Monks and Martial Arts disciples for its natural grip, flexibility and lightness. A Team of French globetrotters takes over and revives the brand by launching it in Paris in 2006, at the heart of Fashion. Today, after joining the BBC Group in the U.S, Feiyue continues its cultural journey towards global expansion and creates a brand new range for women while it prepares its US launch.


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Monday, April 7, 2008
It's Official, She's a cuddle bug
Liviana has always been very lovey but she has turned into a huge, smiley cuddle bug lately. When I pick her up from sleeping or just hanging out in her swing she immediately burrows into me, cuddles, smiles and snuggles in close. She is so unbelievably sweet. I wish everyone could see her big smiles and the bright twinkle in her eyes when she is happy. She is so amazingly precious. She is at that age where she will stop nursing spontaneously and look up at me and smile and coo. I could just eat her up.
I am working with her everyday on her exercises for her neck. The physical therapist was rather nervous about her having the hemivertebrae so she said we would not be aggressive with her 'in case' the neck issue was a result of that rather than muscular issues. Some days she does great and does not get too upset and other days she is quiet vocale about not wanting to do her exercises. I can see a little progress so far. Hopefully things will continue to improve.
Saturday Liviana and I went out on our first "real" outing. So far she has just been to doctor's offices and the hospital. We ventured out to the exciting world of grocery shopping. Within a few minutes of being in the store she started crying in her carseat. Luckily, I brought her sling and I put her in that, facing outward. I probably looked like a rather standoffish person because I could tell people were looking at her and smiling. I, however tried to avoid seeming like I was welcoming people to us. I figured that was easier than asking people to not touch her since I did not want germs spread her way. After about 6 aisles she no longer was happy facing outward so I turned her towards me, where she quickly fell asleep. My sweet girl.
Liviana is growing! I don't know her official weight but I'm sure she is over 10lbs, probably close to 11. I also have noticed in the last few days she seems like she is growing alot in length. Her clothes are getting too short for her and she is almost ready to move up in size. She is still, of course, small. Many, if not most, CDH babies are towards the lower end of growth charts. The often have a harder time gaining weight because they burn more calories breathing. As long as Liviana maintains a normal growth curve we will not be concerned if she is on the low end of the spectrum.
Now that it is beginning to warm up we will be heading out more for walks, to the park and the zoo. I think we are all beginning to go a little stir crazy so the outings cannot come soon enough.
I hope everyone is planning to watch the game tonight. KU has the chance to become the National Champions! Just typing that gets me excited. Our KU flag waves proudly here in Huskerland! Rock Chalk Jayhawk!
Now onto the difficult news. Sweet, beautiful Faith Grace Miles lost her battle with CDH on April 5th at 3:48am. She was just one day shy of 1 month old. My heart aches for her parents Amy and Steve. Please keep them in your thoughts.
Sadly, another sweet babe, Drake Michel also lost his battle on April 6th. He was born on February 18th and fought so hard. Drake and Faith are surely playing together somewhere and smiling down on everyone. This is such a devastating diagnosis and it takes far too many lives. We are so blessed to have Liviana with us each and every day.
Take care everyone......More later.
1 comment:
kara greathouse said...
these pictures are too cute!
May 2, 2008 at 7:17 AM
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Hi! I will be starting an EMT program in January then onto Paramedic program in the Fall. I was curious what kind of opportunities there are to advance once an EMT-P. The more I research the more I…Continue
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Do you make video sales letters too?
A short question for the copywriters here... do you also create video sales letters for clients, or stick with the traditional written sales letters?
And if you DO video sales letters, how exactly? Work with a video creator? I'm asking because I'm wondering about the chances to find here copywriters who are willing to work woth video creators in order to make video sales letters.
Thank you!


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Register | Garage | FAQ | Members List | Chat | Calendar | Search | Today's Posts | Mark Forums Read | Auto Escrow | Insurance |
Questions, Issues, Concerns, or Problems with the New Beetle General discussion of New Beetle features, problems, and issues. |
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sunroof opens on its own?
We never use the sunroof on our 2003 NB TurboS. Twice now I've been surprised to see it left open. When I check it, the knob is turned to close. Fortunately it hasn't rained into it, but I have no idea what is going on. Any thoughts?
Last edited by AmazinglySmooth; 07-14-2007 at 02:17 AM.. |
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Actually it is only in the vented position, but not fully vented. To close it, I turn the key and dial it vented then to closed. First it fully opens then closes.
I pulled fuse #30 hoping to keep it closed--it is supposed to rain tonight. Any thoughts? This has happened twice. |
My (former) '00 does this from time to time. It's funny.
-Des |
My 2003 was doing this too seems to have stoped on its own just like it started. Worst part was when it did it in the middle of thw winter opend with a loud bang because it was frozen shut. Just another one of our wierd problems.got to love our bugs
Don |
2017 Tail Of The Dragon- May 5th-7th Come join us! CLICK HER FOR INFO CLICK-- Cup- my New Beetle Chino- my 2013 Beetle |
Same sunroof-opening problem on my '01 VW NB
I was just trying to solve this problem so I can get it figured out before the rainy season comes again. I'm wondering if this could be a problem with a short circuit, but it doesn't make sense that it happens when the key isn't even in the ignition. It's so bizarre!
I saw that someone was having the same problem on their Passat and did a detailed step-by-step explanation of how they fixed the problem here: http://www.passatworld.com/forums/sh...d.php?t=238398 Last edited by shannou; 07-01-2008 at 12:31 AM.. |
Cue Twilight Zone Music
That happened to me this week and I thought I was losing my mind, (cue Twilight Zone music). I got in my NB after work, and found that my sunroof was vented open. Unfortunately it had rained, and it got a little wet. The dial was on the "closed" position. I was wondering if someone else's keyless entry where I work contacted it and mde it pop up? Either that or she's possessed. She's a 2002. Reenie
["I haven't traveled far...and I've spent all my money on this misbegotten car" Studebaker Warren Zevon |
I have had the same issue,,,,I thought all the problems I've had were my car only.....Alarms chime off and on at will, engine lights flash when they want, dash falls off when touched, radio display states "SAFE" (WTF), driver seat heater no longer works, a piece of front fender like a triangle disentangled itself and ran away in dismay. Sometimes the intermittent chimes, beeps, blurps will cause the battery to die...this will happen if you leave it alone over a weekend...When you return, it is dead.
Sorry to go on and on and on and on |
Sunroof randomly vented open
Experiencing the same random problem with the sunroof being randomly open in the vented position when I didn't open it. I just turn the knob to open then closed and it closes just fine. I just find it weird. I thought maybe there is a secret, like I turned the key in door and it popped up, but that's not it. Anybody else got a good answer? i just worry about it being up in the rain. Can't seem to isolate what triggers it, unless it's a gremlin that can't be predicted.
thanks R
Richey Rivers Sherman, TX '99 Turbo |
Gremlin in Sun roof
My 2002 Turbo is experiencing the same issue with it opening seeminglyon its own. Since this was posted (VW Passat Forums : Volkswagen Passat Forum the fellow on this thread a while back I'm wondering if anyone else has come up with a fix?
I've never had this problem, but I had a similar problem with my truck randomly opening. It fixed itself when I accidentally drained my battery by leaving my lights on, then charged it. Obviously I'm not suggesting you try that to fix it, but has anyone tried to disconnect the battery for a bit and then reattach it to see if that helps?
And bagg10ns, is that piece of your fender about the size of your fingernail? I've got a piece like that on my fender, but the PO told me that the guy who owned it before them tried to self install a europlate and made a mess of it. They said they had it fixed, but Idk if they replaced the whole fender piece or if they just filled it in with putty. |
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One girl's twistedly fantastic interpretation of what the hell is really going on inside the Big Brother 18 house.
Thursday, July 5, 2012
Jenn: America's Sweetheart
This is 37 year old Jenn Arroyo. She is from Brooklyn, NY and used to play bass in a femal metal group called "Kittie". She likes to lift weights, crush skulls, and snort coke off of newborn babies head. Alright, so I might have made up the part about lifting weights.
Jenn also enjoys journaling and turning her stream of conscious ramblings into hardcore hair flipping anthems. She has no real plan as far as the game goes and is more of a fly by the seat of her pants type of a gal. She'll just go in the house, be herself and let the other Housguests frolic into the complicated labyrinth that is she. If they like what they find, great. If not, she'll bite their heads off and use their upside down skulls as flower pots.
If Big Brother makes her famous, she'll record a full length album and go back out on the road. The dusty road of dank motels, late night diners, and sticky beer covered floors of battered hole in the wall clubs run by a 50 year old aging metalhead named Jimmy whose one great love in life is his tropical fish and taking underage girls out for a spin on his Harley after the last customer leaves for the night in a close second. Or so I've heard.
As someone who is drawn to the eccentric and barfs at anything cookie cutter, I'm ready to like Jenn right off the bat. Let's see if she's as bad ass as I'm hoping she is. Please to enjoy:
First off, I loooove that she's not a hardcore fan. In recent years hardcore fans have made the worst players. They're too aware of us watching them on the Live Feeds. They're too rigid in their plans. It's no wonder she's going in and, for the most part, letting whatever happens happen. She's not too naive though that she doesn't understand the importance of an alliance and I think her age will work in her favor as far as sniffing out the other players' authenticity.
(photo taken from NY Body Art)
America's new sweetheart rocker lesbian with a heart of gold! Confident and no nonsense, Jenn is my early favorite. I like everything about her and I'll like her even more when she trashes the kitchen and threatens to shove those green plastic chopsticks up someone's nose. It'll be very Watts in Some Kind Of Wonderful.
What do you guys think? Are you ready to take a walk on the wild side?
14 comments:
- AnonymousJuly 5, 2012 at 5:34 PM
Ah, Watts. Remember those red, leather, fringed gloves she had? I thought those were so cool that I made myself a pair after watching that movie and then I thought I was cool.
I like Jenn for 2 reasons: As you said, she's not a super fan and she's not going into the house with blueprint strategy. I think that might work for her. And I like her because she said she'd actually try to win the first HOH.
So I don't hate her.
Jen Like her. A lot more interesting then i thought she would be. I see her hooking up with Evel Dick post season. LOL
ReplyDeleteOkay. As a lesbian I know I am supposed to enjoy that haircut. I'm supposed to see it out on the street and be filled with that warm fuzzy feeling that reminds me of oral sex and whiskey. But I really hate that haircut. I can't see past it. I am the worst kind of shallow.
I like that voice though. I could do with that voice. Hmmm. Maybe I'm not that shallow or maybe my ears are more important than my eyes when it comes to these things. I'm in. Let's do this Jenn, let's do this.- prettyplainjoJuly 5, 2012 at 8:34 PM
I'll do her. Also..I'm thrilled to death over the strong NY presence this year.
ReplyDelete - AlishaJuly 6, 2012 at 2:57 AM
Love Kittie's older music! I'm psyched to see her on there- let's hope she does some awesome shit. I just worry they will vote her out b/c she's "too weird" or something.
ReplyDelete She's definitely original, not sure I like her chances though.
Tough to say, will she come off as uniquely likable or just be the oddball?
I think it could also work against her that she seems to know nothing about the game at all. Couldn't even name a former houseguest.
Maybe I'm wrong, I'm just not sure who she'll naturally align with. Won't be boring as long as she lasts though.I'm so happy to see some INTERESTING, non-actress/model type characters this year. Perhaps it's the tats, but I do see her as getting into fisticuffs at least once this summer. Wouldn't it be funny/fun to see her beat down the spray tan girl? If she could go all the way, I think that would make for an interesting summer. Unlike last summer, post-Danielle's exit.
Go Jenn, Rock out!
-- Leigh


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Throughout their lives, baby boomers have changed the world. Now they are changing the way the world is aging and how we look at the notion of retirement and retirement planning.
"Being old in the 21st century isn't going to be anything like being old in the 20th century, and we shouldn't be stuck with the 20th-century stereotypes," said John Beard, director of the department of aging and life course for the World Health Organization, speaking at a Milken Institute conference on aging as a global investing opportunity.
The panel of experts emphasized that what's really going to change the world isn't so much longevity, although that is a factor. The driving force is the combination of people living longer and people having fewer children, which will raise the average age of populations all over the world dramatically.
Thanks in large part to the women's movement -- and in the U.S., the civil rights movement -- birthrates have diminished significantly. "You have a profound shift in the proportion of old to young. These kinds of numbers are unsustainable with the 20th-century model," said Michael Hodin, executive director of the Global Coalition on Aging for consultancy High Lantern Group, which helps companies focus on emerging business opportunities.
As an example, Hodin pointed toward predictions that 49 percent of the population of Italy and 55 percent of the population of Japan will be older than 50 by 2033. He said, flatly, that there simply won't be enough money to support an aging population that depends on pensions for income and requires expensive, subsidized health care. Older people will have to work, and companies will need them to work, he said.
Percentage of population age 50-plus (selected countries) |
Country | 2003 | 2013 | 2033* | |
China | 20 | 27 | 41 | |
Germany | 36 | 42 | 49 | |
Italy | 38 | 41 | 49 | |
Japan | 41 | 45 | 55 | |
Russia | 30 | 35 | 41 | |
United Kingdom | 33 | 36 | 40 | |
United States | 29 | 34 | 37 |
Sources: U.S. Census Bureau, Milken Institute
* Projected
"Global corporations looking for talent won't be able to rely only on 20-, 30- and 40-year-olds. There won't be enough of them. Corporations will have to hire people who are in their 50, 60s, 70s and even 80s," Hodin predicted.
By 2020, just six years from now, there will be 1 billion people worldwide older than 60, Hodin said. Unlike older people in previous generations, this aging segment of the population is looking ahead to a long life. Many of them are healthy, and they have more discretionary income than any other generation. Businesses that are slow to recognize this reality will lose out, Hodin said.
"Anyone who thinks the 20th-century model is going to work for society going forward is nuts," he said. "Change from both a corporate and societal point of view is essential."
Do you think companies are overlooking business opportunities that might appeal to people over 50? If so, what are they?
Here's how working longer impacts your retirement.


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Katerina Georgiadou
Katerina Georgiadou | |
Birthdate: | 1981 |
Birth location: | Thessaloniki, Greece |
Birth name: | Katerina Georgiadou |
Measurements: | 34-24-35 (US); 86-60-90 (EU) |
Height: | 178 cm; 5' 10" |
Weight: | 124 lb (54 kg) |
Eye color: | Blue |
Hair color: | Blond |
Ethnicity: | Greek |
Katerina Georgiadou (Greek:Κατερίνα Γεωργιάδου) is a Greek fashion model who has appeared in numerious fashion magazines and international events. In 2002 she won the title of Miss Hellas (Greek:Miss Ελλάς) and went on to represented Miss Greece in the Miss World pageant held in London. The pageant originally was going to be held in Abuja, Nigeria but was moved to London when violence broke out and more than 100 people died in riots provoked by the contest when existing religious tensions between Christians and Muslims errupted.[1] "I think that what happened there was very sad. People should love each other because God is love", Georgiadou told reporters.[2] She was also chosen as a volunteer for the 2004 Summer Olympics. She has taken eight years of classical ballet and gymnastics at the University of Gymnastics in Athens. Currently she is represented by IMAGE MANAGEMENT.
Miss World contestants Angela Drousiotou (L), of Cyprus, and Katerina Georgiadou (R), of Greece, check their appearance reflected in a CD
Job Appearances
- French Connection
- Loropiana
- Ferre
- Forel
- Elite Model Look 1997
- Alpha Bank
- Sex Form
- Daewoo Kalos
- Esquire
- Enjoys travelling, music and dancing
- Favorite perfume Jean Paul Gaultier
- Likes to cook
- Holds an athletic degree
- Favorite actor Antonio Banderas
- She liks all sports, her favorite being volleyball
- Favorite color is green
- Currently she lives in Argyroupoli, (Greek:Αργυρούπολη)
- She enjoys making people laugh
- Favorite soccer team PAOK FC
- Favorite food mom's stuffed peppers and pomegranate
- Likes playing chest and Backgammon
- She loves tam tiri rim
Ancient Greece |
Medieval Greece / Byzantine Empire |
Modern Greece |
Science, Technology , Medicine , Warfare, , Biographies , Life , Cities/Places/Maps , Arts , Literature , Philosophy ,Olympics, Mythology , History , Images |
Science, Technology, Arts, , Warfare , Literature, Biographies, Icons, History |
Cities, Islands, Regions, Fauna/Flora ,Biographies , History , Warfare, Science/Technology, Literature, Music , Arts , Film/Actors , Sport , Fashion |
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Now that's more like it for a disclaimer …
March 20, 2007 | Posted by William Dembski under Darwinism, Evolution, Intelligent Design |
Remember those disclaimers such as "this paper in no way endorses intelligent design" or "this article in no way challenges evolutionary theory" (see here for instance). Well here's a disclaimer that appears right at the start of a forthcoming book on evolutionary computation — one that is being published through a recognized academic outlet:
Disclaimer: The Editors are not endorsing evolution as a scientific fact, in that species evolve from one kind to another. The term "evolutionary†in the evolutionary computation (EC) simply means that the characteristics of an individual changes within the population of the same species, as observed in the nature.
Way to go!!
4 Responses to Now that's more like it for a disclaimer …
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Only hotels in Hildesheim are listed below. Search for cheap and discounted hotel and motel rates in or close to Hildesheim, Germany for your corporate or personal leisure travel. Discover the most favored Hildesheim hotel/motel rooms. Review the Hildesheim hotel list below to find the perfect lodging. We also have a map of the Hildesheim hotels. Group booking? Search Hildesheim Group Hotel Deals
The Hildesheim center point is approximately 12 miles southeast of Expo Park and 13 miles southeast of Hannover Fairground.
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2012 QWC-Hachette Manuscript Development Program
2009 Australian Society of Authors Mentorship with Judith Lukin-Amundsen.
2009 Mirror, Mirror manuscript accepted for QWC-CAL Editing Program.
2008 Winner, "One Hundred Points", One Book, Many Brisbanes Competition.
2008 Fellowship at Varuna Writers House.
2007 Winner, The Book of Sand, QAC Regional Fellowship Award.
2007 Selected for Editing Masterclass with Rosie Fitzgibbons and Sue Abbey.
2005 Runner-Up, Flesh, QAC Regional Fellowship Award (again in 2006 and 2007).
2002 Highly Commended, The Tower of Forgetting, QAC Regional Fellowship (again in 2006).
3 Responses
Great work,
Love you mum.P.s
Im writing a CV and i was wondering if i could put you down as a reference?Missing you 🙂
Jacque Ollivier-
Of course! Hope to see you soon…
Here I am, checking everything out on my new MAC. You are amazing!


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UL Student Ben Boone on 'American Idol' Wednesday Night
UL senior Ben Boone will be appearing on the Season 13 premiere of American Idol this Wednesday night at 7pm.
The 23-year-old chemical engineering student auditioned in Austin, Texas, singing for judges Keith Urban, Jennifer Lopez and Harry Connick, Jr.
Of course, he's not allowed to tell anyone if he received the "golden ticket" to Hollywood, but by the looks of things on this promo video for the show, it looks like he made it through.
You can see Ben at the :56 and 1:00 marks of the video.
Subscribe to 97.3 The Dawg on


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"Something amazing is going on in Barcelona. Josep Guardiola's crew are scoring goals at a rate not seen in a big (or even small) European league in years. On Saturday, they had 65 in 21 league matches: roughly 3.1 a game. Contrast this with the rest of Europe's league leaders: Hoffenheim, 45 in 19 matches (2.37) in Germany, Inter Milan in Italy and Manchester United, both 40 in 23 (1.74), and Lyons, a paltry 27 in 22 (1.23) in France." More..
The video is of their latest 3 -1 victory over Sporting Gijon


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When your employer has a downturn in business or there is less work for you to do, your employer may ask you to take a pay cut or to work fewer hours. If your employer tells you that he or she is unable to continue employing you on your current terms and conditions of employment you need to consider your employer's request very carefully. You should ask your employer for details of the reduced business activity, who else has been asked to reduce their hours of work or pay and what were the criteria for selection.
If your employer asks you to work fewer hours or take a pay cut, this is a change to your contract of employment. Any change to your contract of employment must be agreed by both you and your employer. When deciding whether or not to agree to working reduced hours or to a reduction in pay, there are a number of issues to be considered:
You should ask your employer to give you written details of this proposed change to your contract of employment including a review date. You should respond to this in writing and if you are proposing to accept the change, you should stress that your acceptance is temporary. At the review date the change to your contract can be reconsidered and you could ask to return to the original terms and conditions of your contract.
Minimum wage: In some cases an employment contract or terms of employment will say that an employee is paid at the "prevailing National Minimum Wage hourly rate". Where this is the case, an employer may reduce the employee's pay in line with the minimum wage rates. In other cases there may be a provision in the contract that provides for a reduction in pay. Where this is not the case, your employer cannot reduce it without your agreement, as this would change the terms of your contract of employment. Again, you may agree to reduced wages, if, for example, the alternative may be reduced hours or redundancy in the current economic situation.
If your employer proposes to reduce your working hours or pay, this is a change to your terms and conditions of employment. You may agree to the reduction for reasons as described above.
If you do not agree to this reduction there are a number of options available to you:
Alternatively your employer may lay you off or put you on short time for a number of weeks. A lay-off situation arises where your employer is temporarily unable to provide work for you. A short-time situation arises where, due to a reduction in the amount of work to be done, your pay or hours are less than half the normal weekly amount. In both cases these must be temporary situations and your employer must notify you before they start. The best way to do this is by using Part A of form RP9 (pdf). Your employer can lay you off or put you on short time if it is in your contract of employment or it is custom and practice in your workplace. Otherwise your employer should not lay you off or put you on short time without your agreement. However if you do not agree you may be made redundant.
Claiming redundancy: If a lay-off or a short-time situation has continued for 4 weeks or more, or for 6 weeks in the last 13 weeks, you may claim a redundancy lump sum. If you claim redundancy in this way you are considered to have left your job voluntarily and therefore you will lose any right to notice or pay in lieu of notice from your employer. However if you have been laid off and you are subsequently made redundant by your employer you do not lose your notice entitlements.
Duration of lay off or short time: If you do not wish to claim redundancy but the lay-off or short-time situation continues, the question arises as to whether it is a temporary situation. If it becomes apparent that it is no longer temporary then the situation is now a redundancy rather than a lay-off or short-time working. It is the employer who initially decides whether or not there is a redundancy situation. If there is a dispute about this it should be referred to the Workplace Relations Commission to make a decision.
If your hours of work are reduced so that you are unemployed for at least 4 out of 7 consecutive days you may be entitled to a social welfare jobseeker's payment.
To qualify for Jobseeker's Benefit you must have enough PRSI contributions and must have suffered a substantial loss of employment in any period of 7 consecutive days. This means, you must have lost at least one day's employment and as a result of this loss be unemployed for at least 4 days out of 7 days. Your earnings must also have been reduced because of the loss of employment.
If your employer reduces your days at work to 3 days a week or less and you do not qualify for Jobseeker's Benefit you may get Jobseeker's Allowance for the other days. You must meet the other conditions that apply to Jobseeker's Allowance, for example, you must satisfy a means test.
It may be possible to get Family Income Supplement if you have a family and your pay or hours are reduced.
If you were made redundant within one year of being put on reduced hours or pay, your redundancy payment would be based on your earnings for a full week. If you are made redundant after working reduced hours for more than a year, how your payment will be calculated depends on whether you accepted being on reduced hours or not. If you fully accepted the reduced working hours as your normal week and never asked to return to full-time work, then your redundancy payment will be based on your gross pay for the reduced working hours. If, on the other hand, you never accepted the reduced working hours as your normal hours and continually asked to be put back on full-time working, your payment would be based on your normal weekly earnings. If you have a dispute about this with your employer you could make a claim to the Workplace Relations Commission.
Instead of reducing your working hours your employer may make you redundant and offer you alternative work under a new contract of employment. However this may affect your entitlement to a redundancy payment.
If your employer makes you a reasonable offer of alternative work, and you refuse it, you may lose your entitlement to a redundancy payment. Generally speaking, alternatives which involve a loss of status or worsening of the terms and conditions of your employment would not be considered reasonable.
You may take up an alternative on a trial basis for up to 4 weeks. Where the alternative involves a reduction of 50% or more in hours or pay, working under the new arrangements for up to 52 weeks will not count as an acceptance.
If you accept an offer in writing from your employer for a new and different contract which will take effect within 4 weeks of the ending of the previous contract, you will not be entitled to claim redundancy. Equally, if you refuse such an offer unreasonably, you will lose your right to a redundancy payment.
Contact the Workplace Relations Commission's Information and Customer Service for information about your employment rights.
Contact your local Citizens Information Centre for information about your rights and entitlements.
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If you have a question relating to this topic you can contact the Citizens Information Phone Service on 0761 07 4000 (Monday to Friday, 9am to 8pm) or you can visit your local Citizens Information Centre.


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The Howbeck Guest House,
New Road, Windermere, LA23 2LA
New Road, Windermere, LA23 2LA
AA Breakfast Awards
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AA Breakfast Awards
We are thrilled to have been awarded the AA Breakfast Award in recognition of the high quality and selection of options available on our breakfast menu. From slow cooked Cumberland Sausage to Eggs Benedict, local preserves to freshly baked croissants, we make sure we give you the best possible start to the day.
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Bearded Beast of Duloc
Max Brawn
Join Date: Jul 2009
Location: Louisiana
Posts: 76,876
Training Exp: 20+ years
Training Type: Powerbuilding
Fav Exercise: Deadlift
Fav Supp: Butter
Reputation: 2774165
and More...
Let's sum of the results of this study and others:
• One group used oral arginine in this study, but oral arginine supplementation doesn't affect blood flow.
• The arginine group used "time release" arginine, but so-called time release arginine is not actually time released.
• The trained individuals in the NO2 group got stronger without increasing muscle growth, but trained individuals get stronger mostly due to muscle growth.
• The training program and diet alone yielded a six pound increase in bench 1RM, yet four grams of NO2 taken three times a day tripled strength gains on the same program.
In short, something just isn't right.
But Wait, I Thought I Felt Something!
I'm sure some people are reading this and thinking, "But I know these products work because I've taken them and feel their effects!" While these perceived effects are potent, I submit to you that based on the scientific evidence, this is merely a result of the placebo effect.
The placebo effect is when someone uses an inert substance, which should produce no effect, yet somehow still experiences an effect. This occurs frequently when pharmaceutical companies test a new drug. They give one group the real drug and another group an inert sugar pill. Interestingly, the group receiving the sugar pill often has a series of side effects like dry mouth, headaches, dizziness, adding ten pounds to their bench, etc. — all caused by their own minds!
One famous research analysis calculated the placebo effect to account for 75% of a drug's effect, although this exact figure remains controversial (19). It's amazing what dogma we can succumb to in the face of contrary reason and evidence, merely because we want to believe something. This belief, desire and trust all seem to work at the neurological level of the brain (10). This indicates that it's more than a matter of a few people being tricked by unscrupulous companies.
Unfortunately, the situation is even worse when it comes to sports supplements because of our expectations. Hundreds of advertisements with spectacular claims, combined with our incredibly strong desire to believe that these supplements work, often defeat our poor psyches. I call this a directed placebo effect, because we have not only a simple belief in what the supplement is supposed to do, but a powerful desire to believe in its effectiveness.
What can make our desire to believe in these products even stronger is the very fact that we've already purchased them! After all, recognizing that a product doesn't work is like admitting that we were duped — something no one wants to do. Hey, I've fallen into this trap too in the past. We're all susceptible.
Even if you still believe in the products in question, you'll now be aware of this powerful psychological effect.
But What About Growth Hormone Release?
In response to this rather damning article, some companies will scrounge up data showing that arginine can elevate growth hormone levels. While we've known for the past decade that this applies only to huge doses infused into the bloodstream, many people will be unaware of this trick.
Now, there's evidence that ingesting 22 grams per day (in a 200 pound man) of arginine aspartate increased nocturnal growth hormone output (5). The peak GH output during sleep was increased by an average of 60%. Unfortunately, only five subjects were studied and one of them had four times the peak output of the others. Without that one oddball subject, the average peak was cut in half! (Again, these are just peak measurements, not total levels.)
Also of note, prolactin increased by an average of 75%. This hormone is associated with decreased Testosterone (7)! What's really scary is that a mere five grams of arginine consumed during exercise actually decreased the resistance exercise-induced increase in GH output (24)!
The bottom line is that you can forget about arginine and GH stimulation, despite what the advertisements try to tell you.
The Real Secret
Here's where things get real interesting. You may want to be seated for this, because I'm about to blow the lid off the whole deal.
Arginine is the amino acid known to be the most potent insulin secretagogue, meaning that it causes insulin release from the pancreas (4). Now this is of critical importance, because insulin itself stimulates vasodilation and blood flow (2), and this occurs via elevations in nitric oxide synthesis (27).
So arginine stimulates insulin, and insulin stimulates nitric oxide. Nitric oxide causes vasodilation and increased blood flow. Hmmm… Combining this info with what the scientific literature tells us, we can see that much of arginine's vasodilatory effect can be attributed to insulin secretion!
In fact, one study examined the extent of this very effect, and the results are shocking. Researchers infused the standard 30 grams of arginine with or without blocking insulin release from the pancreas (15). As usual, the massive arginine infusion increased blood flow. But, when insulin release was blocked, blood flow decreased by 77%!
When the latter experiment was repeated with an insulin infusion, blood flow was completely restored! So, over three-quarters of the increased blood flow response was caused by insulin. While not all arginine-induced blood flow can be attributed to insulin, you must remember that these studies use the equivalent of over 40 grams orally ingested arginine, which isn't even possible to tolerate.
The Revised Theory:
Arginine -> Insulin -> Nitric Oxide -> Vasodilation -> Nutrient Delivery -> Muscle Growth and Strength
You have to wonder if the companies who produce these supplements knew this when they began to market them. If they did, then they intentionally swindled people. If they didn't, then they clearly didn't have any idea what they were asking people to put into their bodies. Either way, it's lose-lose for them.
To make things worse, AKG is being shown to play a role in stimulating insulin secretion (23), suggesting that companies may have indeed been trying to pull the wool over our eyes the whole time.
While this addition may seem beneficial, you have to remember that we still have no real evidence even suggesting that any of these products work at reasonable doses. And don't forget, an increase in insulin levels (and therefore blood flow) is all too easy to obtain without NO products.
Why would we use arginine to stimulate blood flow when we can get direct effects by manipulating insulin? In Part II of this article, I'll tell you how to do that without arginine supplements. The good news is, you're probably already doing it!
• Arginine blood flow stimulators ("nitric-oxide" or "NO2" supplements) have been shown to increase vasodilation, but only in unfed people receiving enormous doses through an IV.
• Oral arginine supplementation doesn't affect blood flow.
• A dose as low as 10 grams has been associated with gastric upset when consumed orally. This dose has no significant effect on glycogen storage, even if it didn't cause diarrhea.
• Time release arginine is supposed to lead to a "perpetual pump" effect. New studies have shown this not to be the case.
• NO2 was shown to have no effect compared to a placebo on body composition or muscle strength.
• It's not possible for us to consume high enough levels of arginine to effectively increase nitric oxide levels.
• Copycat NO2 products are no better than the original supplement. In fact, those that contain glycocyamine should be avoided because of potential health concerns.
• If you think these products work for you, then you'd better look into the placebo effect.
• Arginine might temporarily elevate growth hormone levels, but only if you're able to take unrealistic doses. There's little evidence to support that this short term increase in GH would do anything for your physique anyway.
• In one study, arginine aspartate was shown to increase prolactin by an average of 75%. Prolactin is associated with decreased Testosterone levels.
• Five grams of arginine consumed during resistance exercise was shown to decrease normal exercise-induced GH output.
• The positive benefits of oral arginine supplementation can only be achieved through doses higher than the human body can handle. And most (but not all) of this effect is mediated by insulin. So if you want to have blood flow increases equivalent to a huge IV arginine infusion, just manipulate insulin through other means (which will be discussed in the next article.)
Stay tuned for Part II, coming tomorrow to T-Nation!
About the Author
David J. Barr is a Doctoral student at the prestigious University of Texas Medical Branch amino acid metabolism lab, which is almost single handedly responsible for our pre and post-workout nutrition information. An accomplished varsity strength coach, he has certifications with the NSCA and USA Track and Field. In addition to his work for NASA at the Johnson Space Center, David's research has involved everything from the cellular basis of muscle breakdown to work on critically ill catabolic patients. He can be contacted at
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OK, imagine this scenario. You live in a small community in a gorgeous nook of Western Scotland where you don't need to worry about locking your doors, the air is crisp and clean and church attendance is high. The only snag is that you live in the nearest town to Britain's infamous Faslane naval base, which houses the country's nuclear-powered and nuclear-armed submarines. It's also where the military send their soldiers to practice killing people in your beautiful forest surroundings, and there are an usually high number of unmarked barrels filled with bright green liquid your kids can play with.
So what do you do? Why, complain about the protesters who block the traffic, of course!
Welcome to Garelochhead, home to the world's nastiest nuclear arsenal, the Faslane 365 peace camp, and local residents who take NIMBYism (Not in My Backyard) to a whole new level.
On 2 April this year, local residents decided they had enough of all those hippies, feminists, quakers and even parliamentarians who disrupt their quiet plutonium-tinged idyll with noisy protest and – shudder – traffic disruption. Residents marched to the Faslane 365 camp and held placards like: 'Mums against disruption' and 'Beep for work'. Their main bone of contention is not that they live so close to planetary death devices that have just been given the green light to get an upgrade by the Government, but that occasionally protesters try to block military vehicles from gaining entry into the base which has the side effect of causing traffic congestion on the main road into and out of Garelochhead. Residents cite the disruption to emergency services and school runs as their main concern. This despite the fact that protesters have strict guidelines about letting emergency services through, and are working to ensure that school traffic can be allowed to pass as well.
One small comfort is that both groups agree that they want peace. The Faslane 365 protestors want peace on earth, while residents of Garelochhead just want to be able nip off to the nearby ASDA supermarket in peace. All we are saying is give peace a chance.
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It is important to note that this mortgage calculator is for guidance purposes only. Mortgage lenders have their own affordability criteria therefore it is important you speak to one of our Mortgage Advisers for further information and a more accurate indication of what products may be available to you and what your monthly mortgage payments are likely to be.
This 2016 Willerby Lyndhurst 35 x12 holiday caravan with stunning open plan country-style kitchen is truly the heart of this home, with the striking inglenook cooker acting as a real focal point. The lounge is wonderfully inviting, with comfortable seating, sumptuous curtain fabrics, and feature fireplace. Storage is optimised with a country-style dresser, TV unit, underseat compartments and fold-out occasional bed. This warm and welcoming style continues into the bedrooms, with the main bedroom featuring an en-suite WC, elegant bedside lamps and a mirrored dressing area, giving this space a real feeling of luxury.
The Lyndhurst is the perfect choice for those who want a cosy and comfortable holiday home, but who refuse to compromise on style.
Just half a mile from the stunning beaches of Porth and Whipsiderry and just two and a half miles from Newquay town, it's the perfect base to explore the sights of Cornwall. On site you will find everything you might need including indoor pool, outdoor pool, cafe, take away, mini market, laundrette, adventure playground, large clubhouse with entertainment for young and old, we even have our own surf and bike hire shop on site.
Situated between Newquay Cornwalls Premier tourist resort and Watergate Bay with Jamie Olivers Fifteen Restaurant. Porth Beach is within a mile. The amenities and facilities on site include indoor and outdoor swimming pools, bar and club house, convenience store, restaurant, take away, and adventure playground.
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Sunday, July 10, 2011
Lusting ...
Over these daybeds of course! I feel like for as much progress as I've made with changing things up at CDLV, the list continues to grow because of inspriation pictures like these. I've got my eye on recreating something pretty similar in the not so distant future ... so make sure to keep your eyes peeled to the blog!
See you Tuesday!
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text: Famous for the Christmas Spectacular and New York Spectacular starring the legendary Rockettes, nothing says splendor like Radio City Music Hall. The brilliance of the hall's art deco design is seen in all areas, from the famously exquisite 6,000-seat theater to the luxurious private apartment, the Roxy Suite. With many lavish spaces, the venue is a brilliant setting for events of any size that requires a touch of resplendence.


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Minor Applications for TV-R, Journalism, and PhotoContributed by Melissa Gattine on 09/25/2012 Applications are now being accepted for minors in Television-Radio, Journalism, and Photography. Deadline for Journalism and Photo applications is Oct. 12. Television-Radio deadline is Oct. 15. Television-Radio applications can be found here. Journalism applications can be found here. Photography applications can be found here. |
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Great for high speed computing with a wide-angle high definition display, the HP Pavilion 550-111na Desktop PC & Full HD LED Monitor Bundle lets you work and play the way you want to. --------------------------------------- Pavilion 550-111na Desktop PC Regardless of what youre working on, your PC wont hold you back thanks to the quad-core AMD A10-7800 processor. Most modern and demanding software supports quad-core processing and undergoes rigorous testing to ensure you enjoy proven reliability. Onboard AMD Radeon R7 graphics ensure your games and movies look great, while support for two monitors lets you create the ultimate gaming or multimedia setup. With a generous 1 TB hard drive youll have more than enough room for software, films, music, and photos, you can keep everything you need in one place easy access with a USB 3.0 giving you an easy way to transfer files quickly. Whats more, super fast AC WiFi lets you browse the web, stream music and download photos simultaneously without worrying about your computer slowing you down . --------------------------------------- Pavilion 23cw Full HD 23 IPS LED Monitor . Enjoy games, applications and multimedia in Full HD with the HP Pavilion 23cw Full HD 23 IPS LED Monitor that features In-Plane Switching (IPS) technology for consistently accurate colours and a wide-viewing angle. With a Full HD 1080p resolution, the Pavilion 23cw enhances your content with rich colours and excellent clarity - ideal for viewing photos, watching movies or playing games, and the slim bezel makes the 23cw perfect for multi-monitor set-ups even in bright artificial lighting. With a slim space-saving design, the Pavilion 23cw offers a minimalist look for your desk. Adjust the monitor to suit your viewing angle by simply tilting the screen also giving you easy access to the VGA and HDMI ports.
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About a month ago, I finally decided that my CNC robot was broken. At first it was just having occasional trouble with 3D model carves, then those got more frequent, and eventually even 2D vector carving stopped working properly. So, I decided to disassemble the electronics, clean everything, and rebuild it in a new form. Then, of course, came time to test the updated robot. Since Marvel's Agents of S.H.I.E.L.D. is on its winter break, it seemed like the perfect time to release my inner fan and make something to relieve my withdrawal…
2014 Winter Needs Giveaway
Nov 23
It may be our last, at least for a while, but it went really well…
I actually started on this weapon set because I wanted to create the Space (Meteor) Sword. Most of my swords are combined into one piece before painting, but for the Space Sword, I decided to make it like a real weapon – the blade has a tang, the hilt is made of several pieces that lock together, and the pommel screws onto the end to keep it all in place. All parts were carved from MDF wood, glued together, and coated with Smooth-On Smooth Cast 321 plastic to seal the wood for painting. The main grip is wrapped in faux leather, and the upper grip has additional leather craft lace. Similarly,t he scabbard is glued MDF hollowed out, wrapped with faux leather and leather craft lace.
After that, things just kind of built. I had some spare wood, and wanted to create the machete, since I'd never seen one of those in prop form. The boomerang, of course, is so iconic that I had to have one.. and accidentally carved the top side twice instead of a top and bottom when I started, so I created two, just so that one would have the chip in the blade sometimes seen in the show.
The club was the last item I completed. Like the others, I hadn't actually planned on making it at all, but it is one of Sokka's most recognized weapons, so once I had the rest of the set, I knew I'd have to make it eventually. All the props are carved from MDF, but the ball on the club is carved from insulation foam, since I wanted it to be lightweight and worried that a solid ball of wood might break off more easily.
I had a metal post in the ground at the corner of my driveway to help guide folks around the ditch next to the road.. looks like someone took that out, clipped the light pole, thankfully avoided hitting the house next door, then took the corner leaving a bit too sharply as well.
They were nice enough to lean the (now bent) post against the light pole, though. It's still functional.
Holiday Lights
Dec 20
(more pictures below the fold) Read the rest of this entry »
Final assembly
Dec 3
Test fitting the parts…
Aug 4
LEDs are fun!
Aug 3