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Greece bailout: Protesters clash with police at anti-austerity march as parliament debates bailout
Greek anti-austerity protesters have hurled dozens of petrol bombs at police in front of parliament ahead of a key vote on a bailout deal, in some of the most serious violence in over two years.
Riot police responded with tear gas, sending hundreds of people fleeing in central Syntagma Square.
Earlier, thousands took to the streets of Athens in a series of otherwise peaceful marches during the day to protest against the new bailout deal that saved Greece from bankruptcy but will impose more reforms on a country already deep in crisis.
Once a common sight in protest marches in Greece, clashes with police had been very rare since the leftist Syriza party came to power in January.
Just before the clashes, protesters marched waving banners reading "Cancel the bailout!" and "No to the policies of the EU, the ECB and the IMF".
Pharmacists pulled down their shutters across Greece and civil servants walked off their jobs in protest in a 24-hour strike against reforms.
The split widened in prime minister Alexis Tsipras's Syriza party with Greece's deputy finance minister Nadia Valavani resigning in protest at the reform proposals being put forward.
"I'm not going to vote for this amendment and this means I cannot stay in the government," Ms Valavani told reporters. She submitted her resignation in a letter to prime minister Alexis Tsipras.
The Syriza party is deeply divided over four bills that have to be adopted by Greece's parliament if the bailout, worth up to 86 billion euros, is to be secured.
The reforms — including sweeping changes to taxes, pensions and labour laws — are seen as likely to pass with the help of the opposition, but the rebellion within Syriza risks having serious repercussions on Mr Tsipras and his government.
The ruling Syriza party, elected in January on an anti-austerity platform, has been deeply split by the bailout deal.
More than half of the party's 201-member central committee, signed a statement rejecting the "humiliating" terms of the bailout, saying it was not compatible with the principles of the left.
"This proposal cannot be accepted by the people of Syriza," they said.
Around 30-40 Syriza lawmakers are likely either to abstain or vote against the government, raising a question mark over how long Mr Tsipras can remain in office.
Speaking to Syriza lawmakers before the vote, Mr Tsipras warned he would need the support of his party to stay, a government official said.
"I am prime minister because I have a parliamentary group that supports me. If I do not have its support, it will be difficult to be prime minister the day after," he told the lawmakers, according to the official.
With pro-European opposition parties set to back the bailout, the measures are expected to pass.
Tsipras appeals to his MPs to 'preserve unity'
Mr Tsipras appealed to his politicians to "preserve unity" in the vote, the state news agency ANA said.
In a closed-door meeting of Syriza politicians, Mr Tsipras said the government "had an obligation to avoid a serious worsening of the humanitarian crisis and economic disaster", ANA said.
Analysis: Correspondent Mary GearinThere's widespread speculation that a big number of Syriza MPs will vote against the bill. In fact, in the last little while there was a declaration from not (only) the members of the parliamentary party of Syriza but the central committee of the political party, 109 of the 201 central committee members are calling it a coup.
Only a handful of those people are MPs in the parliament but that just gives you some taste of the anger and the frustration that's within the party, within the Greek people themselves.
If they don't pass this bailout deal then it's quite likely that Greece will slip out of the eurozone and vast majority of Greeks do not want that. On the other hand, they also did not vote for austerity measures.
This same PM asked them to go and vote in a referendum to confirm that, they did and yet he turned around to put this vote through so no matter what, Alexis Tsipras is in a very tricky situation.
Even if these measures are passed, depending on the number of defections it could very well mean that his own position is very much in threat and at some point a caretaker government to take over the rest of the implementation of the deal if it passes.
A snap election is quite likely. If the deal doesn't pass, then of course it puts Greece into all sorts of trouble.
There was great good will towards Mr Tsipras and the Syriza Government in general.
The popular sweep that took them to power in February very much was outside the normal ranks of those who would potentially vote for a Coalition of far left parties.
But there is anger now that Mr Tsipras has gone back to the parliament with a deal that they voted against in that referendum.
It's a volatile situation, although Greeks are pessimistic and potentially resigned to their fate almost no matter whether it be staying in the eurozone or slipping out of it, that popular support that Mr Tsipras has changed and will potentially be changing very quickly over the next few weeks.
The PM got on to TV last night and said the banks would only open when the sanctioning of this deal came through and that it could take a month.
Ahead of the vote, the European Commission threw a temporary lifeline to Greece, proposing to give it a three-month 7 billion euro bridging loan through an EU-wide crisis fund until its new bailout is ratified, despite resistance from Britain and Germany.
While it waits for a bailout deal sealed on Monday to kick in, Athens desperately needs money for several imminent payments, including 4.2 billion euros owed to the European Central Bank.
Announcing the plan, Valdis Dombrovskis, the commission's vice-president for the euro, said Brussels was trying to address the concerns of member states like Britain that are not part of the single currency.
British prime minister David Cameron insisted that his country would not be responsible for bailing out Greece, echoing comments by finance minister George Osborne who said the plan was a "complete non-starter".
In France, MPs overwhelmingly backed the bailout agreement, with prime minister Manuel Valls saying it was the only route out of the crisis.
"There can be no 'Grexit', nor 'temporary Grexit' — an old, absurd and dangerous idea," Mr Valls said.
Mr Tsipras returned from Brussels on Monday after striking a deal with his eurozone counterparts.
He defended the deal saying although it had been "a bad night for Europe" and "imposed" on Greece, the agreement saved it from exiting the euro and must be implemented.
"After five years of salary cuts and harsh measures the Europeans still want more," said Stavros Koutsioubelis, a spokesman for the ADEDY public sector union, urging MPs to reject the deal.
Unions, but also MPs in Mr Tsipras' leftist Syriza party, chafe at a raft of tax hikes and pension reforms that must be passed in the vote if bailout talks with international lenders are to start.
"There was a different program before the election so the measures should not be approved, and if they are approved they should not be implemented," said 40-year-old civil servant Christos Vagenas, who had voted for Syriza in January.
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Topics: government-and-politics, economic-trends, business-economics-and-finance, greece
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Adventist Health Physicians Network (AHPN)
Adventist Health Physician Network (AHPN) serves the communities in Los Angeles and Ventura counties in Southern California. The goal of AHPN is to partner with our Adventist Health hospitals and create a network of providers who understand the health care and social needs of the community.
Our team is made up of 101 providers and 195 employees. Additionally, the Southern California physician organization includes an Independent Physician Association (IPA) that manages 23,000 lives in the Glendale and Los Angeles markets and a Clinically Integrated Network (CIN) of providers in Simi Valley. Together we are creating a health care delivery system that reflects the cultural and linguistic diversity of our community with the access to services and support necessary to create healthier and happier lives.
This ambulatory network of 34 outpatient medical offices provides key services in the following locations:
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We invite you to consider a career with Adventist Health Physicians Network! Search our jobs to take the first step.

subset: commoncrawl


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Sia Shares "Cheap Thrills"
Another new song from This Is Acting
Sia's This Is Acting is out January 29. It features the tracks "Alive", "Bird Set Free", and "One Million Bullets". The latest cut she's shared from the album is "Cheap Thrills", which was originally intended for Rihanna.
Listen to a Beats 1 radio rip above via Stereogum. Update (12/17, 12:30 a.m. EST): Listen to an official stream below.


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Married: Toni Coniglio, George Murdock Jr.
George Murdock Jr.
Toni Lea Coniglio and George Murdock Jr. were married June 29 at the Surf Club in New Rochelle, N.Y.
The bride is the daughter of Robert and Paula Coniglio of Pine Hill Road, New Fairfield. The bridegroom is the son of George and Mary Murdock of Route 37, New Fairfield.
Jill Blonski was maid of honor. Meghan Breslin , Marisa Marotta , Autumn Creighton and Heather Grove were bridesmaids.
Domenick DeRose was best man. Keith Marotta , Matt Katkocin, Tim Manning and James Kralijev were ushers.
A reception followed the ceremony.
Toni Murdock graduated from New Fairfield High School and from Western Connecticut State University in Danbury with a degree in elementary education. She works for the Ridgefield Public Schools.
George Murdock Jr. graduated from St. Raymond's High School in the Bronx, N.Y., and from Western Connecticut State University. He works for Plumbers Union Local 1 in Brooklyn, N.Y.
After a wedding trip to Hawaii, they are living in Danbury.


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In my experience as an advisor to aspiring entrepreneurs, I often encounter the myth that an initial startup requires investors. The reality is that over 80 percent of new businesses will never attract venture capital or Angel funding, according to experts, and there are many good reasons for skipping that painful and distracting process. Outside funding is not a startup entitlement.
The media tends to highlight experienced entrepreneurs who succeed with early new venture funding, like Uber's Garrett Camp, but fail to point out the more common bootstrapping successes. Notable examples include Bill Gates, Michael Dell and Richard Branson, who took no early outside money, and waited for confirmed initial success to go public or scale the business.
Here are some key advantages I see in starting a new business through bootstrapping, without outside investors:
All the trials and triumphs of building a business – delivered to your inbox.
These days, it is possible to bootstrap almost any type of business, if you are willing to think creatively about deferred paybacks to developers, advances on royalties, equipment financing, and bartering of services. It's also possible to extend your own investment capabilities with lines of credit, receivables factoring, and simply moving slower through organic growth.
Smart entrepreneurs understand that changing the world is not a mad dash to the finish line, but a long journey, with many twists and turns along the way. You will be more likely to get to your destination if you set out, your way, to enjoy the journey as well as the destination.


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- Home
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All kind of air conditioning installation and repairing services,we have many years working experience and good knowledgeable staff and we gave you best and smooth service for you as you wish.
CHONG some miscommunication between me and the company. it is due to the info provided by developer quite confusing. Anyway, it can be solved if the staff at the developer company provide the info properly.
Jalan plumbum seksyen 7,40000 shah alam
We are expertise which is doing aircond job with high skill level. Try our Services and You will Like it! 👍
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we at anas electrical and aircond service tall kinds of wiring, air cond fixing & service, auto gate wiring, alarm fixing, cctv & plumbing,
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eelyn Late due to wrong location
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House Cleaning, office cleaning, Painter, tiling, aircond service, Aircond install, plumber, electrical and wiring service, floor restoration
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File:Comet-Hale-Bopp-29-03-1997 hires adj.jpg. Tornado. A tornado is a violently rotating column of air that spins while in contact with both the surface of the Earth and a cumulonimbus cloud or, in rare cases, the base of a cumulus cloud.
They are often referred to as twisters, whirlwinds or cyclones,[1] although the word cyclone is used in meteorology to name any closed low pressure circulation. Tornadoes come in many shapes and sizes, but they are typically in the form of a visible condensation funnel originating from the base of a huge storm cloud, whose narrow end touches the earth and is often encircled by a basal cloud of debris and dust. Most tornadoes have wind speeds less than 110 miles per hour (180 km/h), are about 250 feet (80 m) across, and travel a few miles (several kilometers) before dissipating.
The most extreme tornadoes can attain wind speeds of more than 300 miles per hour (480 km/h), are more than two miles (3 km) in diameter, and stay on the ground for dozens of miles (more than 100 km).[2][3][4] Untitled. Synapse. In the nervous system, a synapse[1] is a structure that permits a neuron (or nerve cell) to pass an electrical or chemical signal to another neuron.
Some authors generalize this concept to include the communication from a neuron to any other cell type,[2] although such non-neuronal contacts may be referred to as junctions (a historically older term). Santiago Ramón y Cajal proposed that neurons are not continuous throughout the body, yet still communicate with each other, an idea known as the neuron doctrine.[3] Chemical or electrical[edit] Speed of sound. The speed of sound in an ideal gas is independent of frequency, but does vary slightly with frequency in a real gas.
It is proportional to the square root of the absolute temperature, but is independent of pressure or density for a given ideal gas. The speed of sound in air varies slightly with pressure only because air is not quite an ideal gas. File:FA-18 Hornet breaking sound barrier (7 July 1999) - filtered.jpg. Moon. The Moon is in synchronous rotation with Earth, always showing the same face with its near side marked by dark volcanic maria that fill between the bright ancient crustal highlands and the prominent impact craters.
It is the second-brightest regularly visible celestial object in Earth's sky after the Sun, as measured by illuminance on Earth's surface. Its surface is actually dark (although it can appear a very bright white) with a reflectance just slightly higher than that of worn asphalt. Its prominence in the sky and its regular cycle of phases have made the Moon an important cultural influence since ancient times on language, calendars, art, and mythology.
The Moon's gravitational influence produces the ocean tides, body tides, and the slight lengthening of the day. Name and etymology Formation. Untitled. Star. For at least a portion of its life, a star shines due to thermonuclear fusion of hydrogen into helium in its core, releasing energy that traverses the star's interior and then radiates into outer space. Once the hydrogen in the core of a star is nearly exhausted, almost all naturally occurring elements heavier than helium are created by stellar nucleosynthesis during the star's lifetime and, for some stars, by supernova nucleosynthesis when it explodes. Near the end of its life, a star can also contain degenerate matter. Astronomers can determine the mass, age, metallicity (chemical composition), and many other properties of a star by observing its motion through space, luminosity, and spectrum respectively. The total mass of a star is the principal determinant of its evolution and eventual fate.
Other characteristics of a star, including diameter and temperature, change over its life, while the star's environment affects its rotation and movement. Observation history Designations Age. File:The Sun by the Atmospheric Imaging Assembly of NASA's Solar Dynamics Observatory - 20100819.jpg. Mars. On 28 September 2015, NASA announced the presence of briny flowing salt water on the Martian surface.[21] It is theorized by some scientists that life on Earth may have begun on Mars and was ferried to Earth via a Martian derived asteroid, due to the lack of certain adequate conditions present on Earth when life is believed to have evolved. [27] Mars can easily be seen from Earth with the naked eye, as can its reddish coloring.
Its apparent magnitude reaches −2.91,[7] which is surpassed only by Jupiter, Venus, the Moon, and the Sun. Optical ground-based telescopes are typically limited to resolving features about 300 kilometers (190 mi) across when Earth and Mars are closest because of Earth's atmosphere.[34] Physical characteristics Animation (00:40) showing major features Internal structure Surface geology. 2MarsOrbit-MarsEarth. 433 Eros. 433 Eros is an S-type near-Earth asteroid approximately 34.4×11.2×11.2 kilometres (21.4×7.0×7.0 mi) in size, the second-largest near-Earth asteroid after 1036 Ganymed.
It was discovered in 1898 and was the first near-Earth asteroid discovered. It was the first asteroid orbited by an Earth probe (in 2000). It belongs to the Amor group. The NEAR Shoemaker probe visited Eros twice, first with a 1998 flyby, and then by orbiting it in 2000 when it extensively photographed its surface. On February 12, 2001, at the end of its mission, it landed on the asteroid's surface using its maneuvering jets. History[edit] Ficheiro:433eros.jpg. Orbital speed. The orbital speed at any position in the orbit can be computed from the distance to the central body at that position, and the specific orbital energy, which is independent of position: the kinetic energy is the total energy minus the potential energy.
Radial trajectories[edit] In the case of radial motion:[citation needed] File:Full Sunburst over Earth.JPG. Helios (spacecraft) Helios-A and Helios-B (also known as Helios 1 and Helios 2), are a pair of probes launched into heliocentric orbit for the purpose of studying solar processes.
A joint venture of the Federal Republic of Germany (West Germany) and NASA, the probes were launched from Cape Canaveral, Florida, on Dec. 10, 1974, and Jan. 15, 1976, respectively. Ficheiro:Titan 3E Centaur with Helios 1.jpg. Star. Ficheiro:Achernar.jpg. Sol. Origem: Wikipédia, a enciclopédia livre.
O Sol (do latim sol, solis[12] ) é a estrela central do Sistema Solar. Todos os outros corpos do Sistema Solar, como planetas, planetas anões, asteroides, cometas e poeira, bem como todos os satélites associados a estes corpos, giram ao seu redor. Responsável por 99,86% da massa do Sistema Solar, o Sol possui uma massa 332 900 vezes maior que a da Terra, e um volume 1 300 000 vezes maior que o do nosso planeta.[13] File:Sun in orbit around Galactic Centre.gif. Via Láctea possui velocidade de rotação de 240 km/s. Sistema Solar leva 200 milhões de ano para dar uma volta completa (Fonte da imagem: NAOJ) Uma equipe de astrônomos liderada pelo professor Mareki Honma, no Observatório Nacional Astronômico do Japão (NAOJ), determinou com mais precisão algumas medidas referentes à nossa galáxia.
Usando radiotelescópios bastante avançados, os novos cálculos garantem que a Via Láctea tem mais matéria escura do que imaginávamos. De acordo com o press release liberado pela organização, as novas descobertas dizem que a distância do Sol até o centro da galáxia é de 26,1 mil anos-luz. Milky Way. Stars and gases at a wide range of distances from the Galactic Center orbit at approximately 220 kilometers per second. The constant rotation speed contradicts the laws of Keplerian dynamics and suggests that much of the mass of the Milky Way does not emit or absorb electromagnetic radiation.
This mass has been given the name "dark matter".[32] The rotational period is about 240 million years at the position of the Sun.[15] The Milky Way as a whole is moving at a velocity of approximately 600 km per second with respect to extragalactic frames of reference. The oldest stars in the Milky Way are nearly as old as the Universe itself and thus must have formed shortly after the Big Bang.[9] The Milky Way has several satellite galaxies and is part of the Local Group of galaxies, which is a component of the Virgo Supercluster, which is itself a component of the Laniakea Supercluster.[33][34] Appearance[edit] Size and mass[edit]
Untitled. Solar wind. History[edit] The existence of a continuous stream of particles flowing outward from the Sun was first suggested by British astronomer Richard C. Carrington. File:Structure of the magnetosphere mod PT.png. Velocidade da luz. De onde vem a energia vital que anima os seres na Terra?
Oi amigo, Nota; Desculpe se repito alguns links que talvez já lhe tenha passado anteriormente, mas faço isso como força de expressão e também em respeito e consideração ao público que visita este espaço YR Ok? Bom…, Estamos nesse novo século iniciando o descobrimento de que o universo possui um papel muito mais complexo do que jamais poderia se esperar no tocante à vida. Nessa nova era a ciência começa a perceber de que tudo o que se pensou até agora sobre vida talvez tenha que ser reformulado.


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For regulations and ordinances concerning specific species of animals, please contact Garnett City Hall.
FEE: A fee charged is $7.50 for a sexually altered (neutered or spayed) animal, and $20 for a pet that is not sexually altered. This rate is in effect from first business day in January to the last day of February of each year. As of March 1, the fees will double to $15 and $40 respectively. Replacement tag fees increase from the prior charge of $1 to $5.
Simply...Garnett, Kansas
Pet licensing is required within the city of Garnett during the months of January and February of each year without penalty. New pets acquired during the year who are licensed within 10 days of new ownership can also be licensed without penalty. Licenses can be purchased at Garnett City Hall during normal business hours.
Certificate of current rabies vaccination provided to you by your veterinarian is required at time of city permit purchase. This certificate must show the name of animal, breed, declare if the animal has been sexually altered or neutered, and state the rabies vaccination tag number and date the vaccination expires.
The City Clerk will send notification to a pet owner 30 days in advance of the expiration of their rabies tag. Owners will be required to provide the new rabies information to the city within 30 days of notification. Failure to comply will result in the tag being revoked and a fine issued.
Mark Your Calendar!
The Garnett City Commission has regulations that apply to the keeping of agressive dogs within the city limits. New residents that have pets, first time pet owners, or persons considering acquiring a new pet are encouraged to obtain a copy of city regulations pertaining to the ownership of animals within the city of Garnett. This information is free and available at Garnett City Hall, 131 West 5th Avenue.


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By Justine Wilson
Staff Writer
Every year, the College kicks off its fall semester with a warm welcome and a bustling activities fair. Now known as the Student Involvement Fair, this event on Wednesday, Sept. 14, in the Recreation Center was the place to be for students looking to get more involved. The hundreds of organizations that the College has to offer are showcased with information, candy and smiling faces.
"I wanted to find out more about clubs on campus, and I really wanted to sign up for the acapella groups and to mingle with people," said Brigitte Vuong, a sophomore accounting major.
From Greek life to TCNJ Musical Theatre, every organization had sign-up sheets for students to get more involved at the College.
Each club had plenty of representatives, including executive board members and general members, all eager to share information about their organization and collect signatures of eager students.
The fair offered something for everyone. Some groups are specific to certain interests, yet they are shared by so many at the College.
"What's cool about our club is that we are the only organization on campus that has a niche not filled by our education on campus," said Dom Portera, a senior interactive multimedia major, about a game design club at the College. "It's to get your feet wet in game design and get portfolios ready for the industry."
Many clubs offer more than just meetings by providing students with new experiences, something the Outdoors Club does.
"The whole point is to get off campus, and it's cool to get out," said Alex Cretella, a sophomore computer science major in the club. "We go on hikes, rock climbing and just enjoy nature."
Other clubs are meant for students to get active or participate in an athletic activity that you can't necessarily perform at the campus gym. Many of these clubs also offer a sense of community, where students can bond with teammates.
"(Mixed Martial Arts) MMA is like Fight Club, and the No. 1 rule is we don't talk about Fight Club — except if there's one thing you need to know, the club is super respectful and friendly," said Jacob Johnson, a sophomore public health major.
Along with clubs to get students more active, there are others that allow students to focus on a greater world perspective, like She's The First, which focuses on educating impoverished young women, and TCNJ Humanitarian Engineering.
Every year, new clubs come to campus through approval of Student Government. Some of those clubs, such as Physician's Assistant Club and Tap Ensemble, were present at the fair and eager to recruit new members.
"We're new on campus, but very excited to get involved and we're welcoming new members," said Katherine Brinski, Tap Ensemble's president and a sophomore biology major. "You don't need to know how to tap to come."
Worlds truly collided at the Involvement Fair, as so many interests, from religion to music to brotherhood, came together.


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In the market for an iPhone? Here's a breakdown of all the currently shipping iPhones from Apple.
Apple and Yahoo In Talks Over Deeper iPhone Partnership
Yahoo also provides sports scores to Siri, but Yahoo has significant content deals related to news, sports and finance that could be tapped.
Data from Yahoo Finance and its weather site already come preloaded onto iPhones and Yahoo data like sports stats help power Apple's voice-activated "assistant" Siri. But the companies continue to discuss new arrangements, including possible deals to get more content from Yahoo Sports and Yahoo News, among other Yahoo Web properties, preloaded onto Apple devices or available through an expanded partnership with Siri, one of these people said.The WSJ also says Yahoo would like to provide search results to Apple in Safari, but Microsoft's Bing search engine currently powers Yahoo Search and Apple has a long-term deal with Google as the default engine on iOS.
The paper did note that no deal is imminent, and negotiations appear to be in the very early stages. Former Google executive Marissa Mayer took over as the CEO of Yahoo recently and has been focusing a lot of energy on Yahoo's products and content, rather than its traditional strengths in advertising.
Top Rated Comments(View all)
Let's see...
Android is going to have a Facebook phone and Apple is going to have a Yahoo Phone.
I hear Netscape is looking into getting in on the action as well.
Seriously though, if I ever see "Yahoo Search", or "Bing Search" on my iDevices, I'm out the door.
OMG, run!
Apple, you start putting Yahoo on your phones and Samsung win another customer.
Yahoo has always been on the iPhone.
Way to partner with a winner. Yahoo is about as popular as Alta Vista.You sure about that?
I wrote this four years ago and much of it remains true today.
Way to partner with a winner. Yahoo is about as popular as Alta Vista.
er… Yahoo have owned AltaVista since 2003, so not really.
You said if you "see" it you're gone.
Too late, you can't un-see it! Sorry.
You win, I bought an S3.
The option is fine, being forced is not. Edit: Even using anything other than Google for the default would irritate the majority.
You said if you "see" it you're gone.
Too late, you can't un-see it! Sorry.
[ Read All Comments ]


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Galway Chamber has welcomed the news that businesses occupying a new premises are no longer to be held liable for rates arrears on that premises.
Legislation brought forward by Waterford Fine Gael TD Paudie Coffey was this week included in the Local Government Reform Bill, 2013 by Minister for the Environment, Community and Local Government, Phil Hogan, and subsequently passed through both houses of the Oireachtas on Wednesday.
Reacting to the news, Galway Chamber spokesperson Maeve Joyce said the introduction of this legislation was "good news for business" and was "warmly welcomed" by Galway Chamber.
"Under current legislation, businesses are forced to pay existing rates arrears when they take over new premises. Clearly this acts as a barrier to new businesses. It is a historic situation and as a business organization Galway Chamber welcomes and supports the new legislation which will mean that new tenants will no longer be liable for the rates arrears of previous tenants," said Ms Joyce.
"This will take away the fear of massive rates bills hanging over new businesses or existing businesses moving into new premises. This is a pro business piece of legislation and will benefit business at a time when entrepreneurship needs as much encouragement as possible," she said.
Having passed through both houses of the Oireachtas, the Local Government Reform Bill will be signed into law by President Michael D. Higgins within seven days or referred to the Supreme Court under Article 26 of the Constitution.


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When Floyd "Money" Mayweather wears something, best-known it's going to be expensive!
The superstar boxer last night was spied at the Knicks game wearing a $2390 Dsquared2 Mixed Material Denim Mens Fashion Jacket. The men's jacket features amazing details: contrasting panels, a side zip detail, a curved hem, a cropped length, a back slit at hem, long sleeves and button cuffs.
Are you a fan of the look?
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When Marty Mueller's baby was stillborn a few weeks before she was due to give birth, she and her husband spent several hours at the hospital, holding their son, grieving, and snapping photographs before sending him to the mortuary.
As the day wore on, Troy's skin became discolored, and the signs of decay were clearly visible in the developed pictures. So Marty, a professional photographer, did what came naturally to her: she re-touched the snapshots to make them look better, digitally creating the rosy-cheeked, healthy baby she never had.
She shared Troy's pictures at a bereavement group in Santa Cruz, California, and was soon besieged by requests from anguished parents asking her to retouch their stillborn photographs as well. Today, she has turned the requests into a sideline business, for which she suggests a donation of $30 to $50 per picture.
"It's difficult for parents to share these pictures with people because many times the pictures are too gruesome and they don't want to shock anyone," Mueller said. "It's much easier to share pictures if it looks like normal baby."
Many of her clients, who hail from around the world, carry the photographs in their wallets or display them, portrait-style, in their homes.
While grieving parents have long shared pictures of their stillborn babies in support groups, and have recently created virtual memorials to their lost children on the Internet, doctoring the images and publicly exhibiting them is a relatively new phenomenon.
Parents who request the service say the touched-up photos help them deal with their devastating loss, but some experts fear that they may be avoiding reality.
"I keep a framed pictures of my daughter in my living room so everyone can see how beautiful she was," said Jennifer Johnstone, one of Mueller's clients who lost her baby at 35 weeks. (Babies are normally born 40 weeks from the mother's last menstrual period). "We have a 3-year-old son, who can look at this picture and say, "Hey, that's my baby sister, Madison. She's in heaven."
Jenese Parra only had one photo of her son Nathan – snapped by nursing staff after her full-term son was born lifeless at 39 weeks – and it was a lousy one. His skin was bruised and peeling badly.
"Even though I could look past that and see my son for what he really looked like, I knew others wouldn't look past it and wanted his photos retouched so (they) could see Nathan as I did," said Parra, who carries Mueller's picture of her son in her billfold and displays them in her house and in her work cubicle. "He looks just like a sleeping baby and it makes people more comfortable talking about it with me, which in turn makes me feel better because I can talk about it."
Historically, world cultures have treated stillborns as less-than-human tragedies that should be quickly disposed of and forgotten. In medieval Europe, for example, children who did not live long enough to be christened were not buried in hallowed ground, said Francesca Bray, an anthropology professor at the University of California at Santa Barbara.
But modern technologies such as ultrasounds have given expectant parents a deeper connection to their unborn child than ever before, revealing the fetus's sex, health and development mere weeks from conception.
"It seems to me the wish to make a true and memorable person of a stillborn connects to a completely new sense of connection that people now have to the fetus from very early in its existence," Bray said.
But one psychologist said that doctored photographs are a "step away from reality."
"It's unnatural," said Matt Zimmerman, a psychologist who specializes in loss. "It goes against the grain of what actually happened. How can you come to accept a loss if you're working towards pretending it didn't occur? This goes against my clinical experience and substantial research on grief."
But the photographers doctoring the images disagree.
"If you have a child that was lost at age 2 or 5 or 20 and you hung their picture on the living room wall, no one would say anything. What makes a stillborn less of a child?" asked Deanna Roy, an Austin photographer who has retouched over 100 pictures of stillborns. She does not charge her clients, who come to her by word-of-mouth.
Roy, who miscarried a baby at 5 months, still regrets having the baby surgically removed instead of delivering it and holding it in her arms. She says that giving other parents a memento of what they lost has helped alleviate her loss.
Her work is grueling – she spends two to four hours on each picture -– but she has yet to turn down a photograph, no matter how grisly. Some of the photographs she gets are of 20-week fetuses with transparent skin. Others are of babies that have been dead in the womb for so long that their facial features have dissolved, requiring her to redraw them.
"The fact that they're so gruesome is what motivates me to fix them," said Roy, who is so overwhelmed by requests that she asked that her website not be linked in this article.
When she e-mails the photos to her clients, she advises them to open the attachment in a quiet place, because they are frequently shaken by renewed anguish at seeing a reflection of what their baby would have looked like, had it lived.
For Hector Davila, who runs a photo restoration service at the corner of Hollywood and Vine in Los Angeles, most of his work focuses on prolonging the youth and beauty of Hollywood actors or restoring cracked snapshots from bygone eras.
The number of clients requesting photo touch-ups of stillborn babies has steadily grown in the past few years, he says.
"Stillborn babies are the hardest pictures I've worked on," said Davila, who set up a separate website for this niche market. "Try staring at one of those pictures for a couple of hours. It's almost like working in a funeral home. But it's the least I can do for the mothers of the world."


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Motherhood… Full of Surprises
"Did I ever tell you a horse once tried to eat Mom's car?" David asked. "C'mon, my love!" Rosemary laughed. "I may not know much about ranching, but I don't buy that. Horses eat … Continue reading
May 14, 2017 · 4 Comments
Close Quarters
My friend Graham is an unusual fellow. He's blessed with that rare ability to think instinctively outside the box. This talent played an unconventional role after his elderly mother became … Continue reading
May 7, 2017 · 12 Comments


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If you've ever wondered about how your automobiles wheels remain tight to the road, even when you go over huge bumps, then that'll be down to the shock absorber. Also, it is essential to replace a failing shock as quickly as achievable, since a vehicle with a bad shock absorber can grow to be tough to handle in an emergency due to excessive wheel bounce. It is not terrible, but I have a low cost champion bra that supports practically as well. So, if your cup size and band size differ in much more than about 5in, this bra possibly is not for you. This bra is cute and ought to hold your girls in place if you never have huge boobs.
Loading far more air will make the air shock absorber stiffer whilst removing air will make it less stiff. I struggled to locate a decent sports bra that would help me without having giving me 'cone' shaped breasts :/ I had previously spent considerably a lot more on a Freya sports bra (adore their line), that bra was fine for low impact but was beginning to give me neck and back discomfort when operating. Note that a shock absorber doesn't really absorb the shock of a bump that's the job of the springs and specific other elements of the suspension. Purchasers can also buy shock absorbers from sellers on eBay It is effortless to locate shocks for a certain automobile on eBay and buyers can have their obtain shipped directly to their doorstep.
The following list explains the diverse varieties of shock absorbers that are developed for passenger automobiles and trucks. The following chart lists some common shock brands and the kind of shock absorbers that they carry in their item line. It is by these 2 approaches that shock absorbers are able to keep the make contact with of the tyres with the surface of the road. The bra is comfortable and eye-catching which in the world of sports bras means that it need to provide no support. The nitrogen keeps the shock cooler and prevents the oil from foaming and thinning out.
It is also critical to keep in mind that even though oil leakage coming out of the shock absorbers are clear indicator for replacement, there is a tendency for some to put on out even without having the least amount of oil leakage. Worn automobile shock absorbers also enhance put on on other suspension parts and can result in uneven and improved tire wear.
If it bounces far more than a couple of occasions, this is an indication that possibly the shock absorbers are weak. If you are amongst sizes, I would order a size up. The clasp in between the shoulder blades is Tricky, if you aren't versatile, I'd pass over this bra and go for a Moving Confort Juno. Car manage and lowering wear on the rest of the suspension are the primary jobs of shock absorbers. Shock Absorber's technical design group has a distinctive understanding of women's bodies and constructing partner relationships with leading industry professionals.


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Banff Pain Conference: Pain Society of Alberta
Join Shelly as she presents "Yoga as Therapy: Empowering Patients to Manage Persistent Pain & Live Well Again" at the Pain Society of Alberta's 9th Annual Banff Pain Conference.
Yoga is one of the leading Complementary and Alternative Medicine therapies in North America and its popularity continues to rise in our culture with over 20 million Americans practising it and over 44% of those not practising yoga, state they are interested in trying it. There are even new fields of study, Yoga Therapy and Medical Therapeutic Yoga, that are being introduced to medical college programs across the continent as growing research suggests that yoga can be used as an effective form of adjunct therapy for a variety of dysfunctions and diseases, including persistent pain. As health care practitioners who specialize or have an interest in treating the persistent pain population, we naturally inquire about the safety, efficacy and practicality of using yoga in the clinic setting.
Persistent pain is so complex that even with our understanding of phenomena such as neuroplasticity, the mind-body connection, and the biopsychosocial nature of pain, it is still poorly managed. Health care providers and sufferers of persistent pain continue to search for more effective methods of intervention that can reduce pain, increase functional abilities and improve overall quality of life.
In this session, Shelly will explain how and why yoga can be used to address different aspects of the pain experience safely, effectively and in an evidence informed manner and how it can be a successful tool to promote self-efficacy and empower people to develop the skills required to actively manage their pain.
Be prepared to participate and enjoy a mindfulness based breathing and focused awareness experience that you can immediately use with your patients in the clinic setting.
Learning Objectives:
1. Describe yoga and learn what aspects of yoga can be used to effectively and safely treat the persistent pain population, including a review of current research on yoga for pain.
2. Learn the 5 components of the yoga kosha model of health that is used in assessing and treating people suffering from persistent pain and discuss the similarities to the biopsychosocial approach.
3. Learn an alternative approach to goal setting that involves 3 steps to help patients experience success in their pain self-management strategies.
4. Demonstrate at least 2 yoga techniques that can be used to help improve awareness, calm the nervous systems and modulate the pain response.
Life is Now Pain Care Yoga states: "Pain is one of the most common reasons for individuals to seek assistance from medical, therapeutic and yoga practitioners. Yet, few educational systems in western or eastern health care include knowledge acquisition related to pain or to the lived experience of pain. The techniques, discipline and systems of classic yoga are well-suited for integration with pain care and pain self-management techniques. A well-rounded yoga practice, incorporating any lineage of yoga asana, is one path that individuals can follow in their recovery from chronic pain conditions."
Registration Details at: www.painsocietyofalberta.org


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Sonbern Lodge Motel
- Laundry
- Outdoor furniture
Sonbern Lodge Motel is located in the heart of Wallaroo, with easy access to many local attractions. The Ferry terminal, town beach and jetty are only 800m. Many Dining options, cafes and the supermarket are 300m away. We offer a cooked or continental breakfast, 7 days a week. All rooms provide the comfort and convenience for todays traveller. Features including, queen size beds, Ensuite, split system reverse cycle air conditioning, LCD TV, Tea and Coffee facilities, microwave, fridge and table and chairs. We also provide an assortment of cutlery and crockery, including wine glasses. All rooms are serviced daily and a toaster and iron are available, if required. Our Quality accommodation is available over both levels in standard ensuite rooms or deluxe self-contained units, which are located in a separate building, on ground level and overlook our central courtyard garden. Deluxe units include a 2 seater sofa, larger Ensuite bathroom, and toaster, some with kitchenette. One unit has been designed to provide Disability access for guest with special requirements. We can also provide a chair shower, if needed. Off street parking and a dedicated Disability Parking space is available, as are barbecues and outdoor furniture, located in the Courtyard area.


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Global Activity Stream gives you a quick overview of recent activity on your panel.
Communities >> Analytics >> Community Health >> Member Activity
Members can check the same activities under their profile option.
To get the pricing, please email us at email@example.com
For more details on QuestionPro Communities, click here
This feature is available with the following license :


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Breath of the Wild Champions' Ballad DLC Release Date December
It's not much to go on, but it is very much focused on Zelda.
In a recent interview with Kotaku, Nintendo of America president Reggie Fils-Aime revealed the a more concise release date for Breath of the Wild's Champions' Ballad DLC. Mainly that we shouldn't "lock and load on November 10th" just because the champion Amiibo figures are released that day. In fact, it turns out that the Champions' Ballad will be releasing in December of this year.
The Champions' Ballad was initially announced as a part of the game's season pass, and later came up for individual purchase. According to a series of tweets from Nintendo of Europe back in July, you will still be playing as Link in the DLC but you'll get to "learn more about Zelda along the way."
The video attached to the tweet should snowy mountains and Zelda riding on horseback with two other Hylian guards. The next clip is of Zelda in Gerudo Valley, speaking with the Queen there in her throne room.
It's not much to go on, but it is very much focused on Zelda. Perhaps the DLC is placed in the past we'll learn more about Zelda's life as a princess, before Link was put under. Her journey with each champion is certainly gruelling and worth the attention of her knight in shining armor.
The rest of Fils-Aime's interview with Kotaku doesn't reveal much in the way of new information. Apparently the Switch's support of GameCube controllers "was as much a surprise to [Nintendo] as it was to consumers." Though a Super Smash Bros. game might be in development as a result, there is definitely "nothing to announce on this."
On the subject of the Switch's video-on-demand service, it seems that its development depends far more on external parties. It is apps from networks like Netflix that need to be compatible and put on the Switch. At least Nintendo isn't trying to make their own streaming network on their gaming console.


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Real Money Slots
Play the best real money slots of 2020 at our top casinos today. It's never been easier to win big on your favorite slot games.
Metal Casino
A site created by casino colleagues and metal lovers.
Players from Australia acceptedVISIT CASINO
Metal Casino really aims to strike a chord with its players. This rocking online casino was launched in 2017 and aims to combine guitar music with online casino. This is notable as soon as players load the platform as the site has quite a domineering electric guitar taking up most of the screen as its background.
Sat alongside the six string guitar are a number of cards and chips that will instantly allow players to make the connection between metal music and casino play. On top of this is the fact that the logo of the website is a skull, which is a typical symbol of heavy metal music. It's certainly not a common online casino theme, one that won't be for everyone's taste and opinions, but it certainly is different and therefore should not be frowned upon.
Visiting the about us section of the website will explain a bit more about who created the online casino and perhaps why they did it. It is operated by the MT SecureTrade limited company who are based in Malta. As a result of this, the Metal Casino is fully licensed and regulated by the Malta Gaming Authority. This is fantastic news for players as this regulator is notoriously one of the best and most strict online gaming regulators in the industry, constantly challenging websites to do more to be compliant and fair on players. Not only this, players will feel that when they deposit money onto the site, they'll feel 100% safe doing so.
An example of why the MGA has such a strong reputation when it comes to regulating online casinos is because they regularly have an independent company coming to check that their games are completely random in their results. This means that there's no unfair house advantage and players stand as good a chance of winning on Metal Casino as they would in a real life Casino, news that players would understandably be pleased to hear.
Another fantastic feature on the site is the fact that they perfectly replicate a band's website by the fact they offer merchandise. Players or even just visitors to the site will be able to buy stylish t-shirts, hoodies and tank tops of black clothes. All of the items are fashionable and look great with the Metal Casino icon brandished all across it.
Fans of the site are able to treat themselves to a new stylish shirt that is made in honour of the Metal Casino platform, not only showing their love for casino but also heavy metal. It's a fantastic and cool feature that many online casinos haven't thought of doing before. Certainly, those who are fans of rock and roll will get behind this idea. It rocks!
On the left-hand side of the screen is a button that will send players to the games section of the Metal Casino website. As soon as visitors do this, a list of slots appears under the title 'killer games.' Not only is this continuing with them theme of merging online casino with rock 'n' roll, but it also a practical way of revealing some of the most popular games that are available to enjoy on the site. Notable inclusions in this section, considering the theme of the platform, include titles such as Motorhead, Guns 'n' Roses and Jimi Hendrix to name but a few. Certainly these titles will hit all the right chords with those who would be a fan of the rock and roll theme.
Further down the screen is where players can check out the jackpot titles that can be spun on site. Those dreamers who wish to one day win a life changing amount of money should head straight to this category and spin one of them. Titles such as Mega Fortune are regularly having their progressive jackpots go into the six figures, and sometimes beyond, so it's worth keeping an eye on what the prize funds reach.
As well as these slots, players can also check out the casino titles that are advertised on the Metal Casino platform. Notable inclusions are the ever-green Roulette, Blackjack and Poker titles that continue to be popular with players and casinos alike. Plus, don't forget that there are live casino titles available to play on this site, many of them in sensational HD quality. This cinematic like graphics will provide a superb in-play experience for those wishing to enjoy these live casino titles. Certainly, players will have a wonderful time enjoying the selection of games on Metal Casino.
The welcome offer that is available to new players on the Metal Casino platform is very eye-catching, partly because of its title. They're titled kick-ass and they're sure to appeal to the punk fanatics as the welcome package is spread over the first two deposits that new players will make. The first deposit players make on site will activate a 100% bonus worth up to €100. Then, the second deposit that players make will trigger an offer that includes a 50% bonus worth up to €100.
Despite these generous bonuses that are spread over two deposits, it's a shame that new players aren't given free spins or a free no deposit bonus. This will allow them to get the real Metal Casino experience without having to spend a penny. Free spins or money is something that other online casinos offer, so it's an area where the site falls short in comparing it to its competition.
After claiming the welcome bonus, players will be able to claim another bonus should they play late at night, in-between 10pm and midnight on every evening. However, it's a real shame that the site doesn't offer any more offers to existing players. On top of that, there are no obvious rewards or VIP package on site – another shame for the site. As a result, the offers available on the Metal Casino could certainly be improved.
The website offers a page that clearly displays all the deposit and withdrawal options on site, something that makes it easy for visitors and players to understand. Thankfully, most of the deposit and withdrawal options are instant whilst the minimum deposit limit is €10 and the minimum a player can withdraw is €20. Just be careful that some methods charge a fee, which is something players should keep an eye out for.
Hidden in the bottom right hand corner of the website is a small icon that would open the live chat messenger service on site. This option is also available for players in English, Swedish or Norwegian. It's fantastic that customer support is available in three different languages, allowing the sites' players to feel at home and understand the answers to their queries.
In conclusion, the Metal Casino website is a bit of a unique way of playing online casino. They have a great range and selection of games, which is for sure, while those wishing to buy some merchandise as they play will also be able to do so.
It is a shame that the site don't offer any more promotions and offers, as well as a lack of a free deposit bonus for new players. However, with multi-lingual customer support and a good range of banking options, this is a fun place to play. Overall, if you're a fan of heavy metal rock and online casino – then you should DEFINITELY register with Metal Casino.


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Professional Supervision
Supervision: Post graduate, required case supervision
for registration and/or licensure. ATR requires 100 hours of post-graduate supervision.
For ATR applicants who graduated (or completed their education requirements) on or after January 1, 2018, at least 50 hours must be provided by a current ATR-BC or ATCS.
For ATR applicants who graduated (or completed their education requirements) prior to January 1, 2018, at least 50 hours must be provided by a current ATR, ATR-BC or ATCS.
ATR post-education supervision Requirements Change: Effective August 1, 2019, applicants for both the ATR-Provisional and ATR credentials who have completed a master's degree in a related mental health field and post-master's or post-doctoral coursework in art therapy must completed a minimum of 1,500 post-education hours of direct client contact using art therapy and a minimum of 150 hours of supervision with a board certified art therapist (ATR-BC) supervisor. All post-education supervision hours must be completed with an ATR-BC supervisor. This change will apply to all ATR-P and ATR applicants who graduate (or complete their education requirements) on or after August 1, 2019.
More information can be found in the ATR application on the ATCB website.
Consultation: Post registration/license, case consultation, optional for professional art therapists
If you are interested in hosting a consult group and would like to post a listing, please contact us at email@example.com
Craig Balfany, MPS, LPC, ATR-BC
Phone: 612.767.7059
Email: firstname.lastname@example.com
Co-lead ATR/LMFT group with MN approved supervisor
Individual and group ATR supervision
Allison DeCamillis, MS, ATR
Phone: 612.558.0308
For graduates before 2018
Maggie Evans, MA, LPCC, ATR-BC
LPCC/ATR supervision
Heather Matson, MA, LMFT, ATR-BC
Phone: 651.318.0109
Email: firstname.lastname@example.com
ATR, LPCC, LMFT group supervision
Tamar Melmed Marmor, MPS, LMFT, ATR
Phone: 651.645.5323
ATR/LMFT individual and Group Supervision
ATR for graduates before 2018
Elizabeth Nash, MA, LMFT, ATR
Phone: 952-380-8930
For graduates before 2018
Erin Rafferty, MA, LPCC, ATR-BC
Phone: 612-273.5941
ATR/LPCC Individual and Group Supervision
Holly Smart, MA, LP, ATR
Metro area, for Graduates before 2018
Phone: 651.699.0785
Joan Ungar, MA, LP
Metro Area
Phone: 612.782.9895
LPCC only
Juliana Thrall, MPS, LPCC, ATR-BC
anywhere in MN
Phone: 207.671.4420
Email: email@example.com
Individual and Group ATR supervision
Robyn Alliah, MS, LPCC, ATR-BC
South Metro, ATR supervision
Email: firstname.lastname@example.com
Jorie Kulseth MA, LPCC, ATR
Northeast Youth and Family Services
Direct line: 651-379-3432
email: firstname.lastname@example.com
ATR for graduates before 2018
Auden O'Connell, MPS, LPCC, ATR-BC
email: email@example.com
ATR supervision in Metro Area
Consultation Group for Practicing ATRs:
TBD. If you are interested in hosting, contact email@example.com to let us know.


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Each MAHS student must choose a Career Pathway which focuses their elective courses toward preparing for a specific goal area. A Pathway is a broad grouping of careers that share similar characteristics and whose employment requirements call for many common interests, strengths and competencies. The five Career Pathways are: Arts & Communications; Business, Finance & Information Technology; Engineering & Industrial Technology; Human Services; and Science & Health.
Pictured Left to Right: Joey Spear, Morgan Klingeman, Justin Yohn, Antonio Koser, Damion Williams, Chris Joseph, Cameron Deimler
The Engineering and Industrial Technology (EIT) Pathway is designed to cultivate students' interests in construction and architecture, manufacturing, engineering and engineering technology, transportation, distribution and logistics. Students are provided experiences in design, building and construction, tools and equipment, computer technology, engineering fields, and they apply science and math to real world situations.
Pictured Left to Right: Dominic Gadsden, Dominic Smallwood, Cayla Garman, Matt Spangler, Dane Ebersole,
Nicole Altland, Alyssa Martz, Madison Zettlemoyer, Darien Pangano, and Paige Burger
The Arts and Communications Pathway is designed to cultivate students' awareness, interpretation, application and production of visual,
verbal and written work. Students are provided experiences in Performing Arts (PA), Visual Arts (VA), and Publishing Arts (PU).
Johnny Jumper, Amanda Lee, Isha Shah, Leilani Fulmer, Jordyn Dupes, Dane Ebersole and Skelly
The Science & Health (SH) Pathway is designed to cultivate students' interests in the life, physical and behavioral sciences.
Students are provided experiences in therapeutic services, diagnostic services, health services, and biochemistry research development.
The SH Pathway includes Health Science (HS), Agriculture, Food and Natural Resources (AFN), Science, Technology and Math (STM).


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New 'Community' Season 5 Gets Dark Trailer, Literally & Figuratively
It's finally happening: The new season of Community is actually fairly close to being a thing we actually see. Need proof that it's a real thing, that Dan Harmon is back, and that it will actually air on your television (or computer) screens come January? Look no further than this trailer for Community Season 5. This particular trailer does not play up the fact that this season of Community has all the guest stars the universe has ever seen in its vast and storied history, but! We do get to see all the Greendale classics (sorry Chevy Chase).
The trailer also sets itself up rather darkly and...Lord of the Ringsly, what with a robed villain running around Greendale and...molesting people with the One Ring?
It's also got the show's trademark pop culture spitfire dialogue, including "That bastard [Zach Braff]! After everything Scrubs did to him," Troy screams. He is referencing, I'm sure, both Braff's scarce presence in the final season of Scrubs and Glover's own departure from the show. So it's nice to see that they're being predictably self-aware about it, even though I'm still in denial over a Troy-less Community, and even more in denial over a Troy-less Abed.
Image: NBC


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Nowadays natural resources are becoming more and more popular, mostly because of their economic advantages over other resources (oil, gas etc.) so their optimal usage gain more importance over time. One of these resources is wind energy which almost does the fewest harm to flora and fauna near power plants so people being able to get useful insights from data and therefore forcast the amount of producted energy can mean quite an opportunity to companies in the energy business to optimize their power plant's utility and cost of maintenance.
In the light of these things, the goal of this thesis is to predict the production of wind farms with the help of data from other external farms which are relatively close and placed in the same area and enhancing the precision of the default forecasting solutions.
This knowledge discovery process can be followed in the document from data gathering and processing to creating and testing the performance of a forecasting model and evaluating the results we got.


text: History Vision & Mission Goal & Objectives Board Of Trustees Syndicate Academic Council CU Leadership Why City University Photo Gallery Board of Trustees Alhaj Mockbul HossainFounder & Chairman Board of Trustees MA, LLB Former MP & CIP Vice Chairman Golam Fatima Tahera Khanam BA, LLB Vice-Chairman. Mona Group of Industries Mr. Ahsanul Islam (Titu) MBA (USA), BBA (Thailand) Managing Director Shandhani Life Insurance Co. Ltd Member Mr. Mujibul Islam (Panna) MBA (UK) Managing Director Amico Laboratories Ltd Prof. Dr. MU Kabir Chowdhury MBBS, DDV (Vienna), FRCS (Glasgow) Principal MH Samorita Hospital & Medical College Mr. Aminur Rahman Khan MA Director Purabi General Insurance Co. Ltd Dr. Md. Anisul Haque Director Purabi General Insurance Co. Ltd Mrs. Jasmin Ara M.Sc Director Amico Laboratories Ltd Shafaf Shad Rahman BBA (London) Prof.Dr.Md.Hashem Ali Member Professor Dr. Md. Shah-E-Alam Vice-Chancellor (Ex-Officio) Secretary Registrar


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21/02/1963.02/21/1963.21 February 1963.Teachers tour Bord na Mona workshops. Vocational school teachers, whose past pupils include Bord na Mona apprntices, were guests at three of the Board's workshops., to study the organisation of the workshops and watch apprntices on the job.Add to Cart
- Filename
- C221-2692.jpg
- Copyright
- Copyrighted to SKP & Associates Ltd trading as Lensmen & Associates, Lensmen Photographic Agency and Lensmen Photographic Archive, Irish Photo Archive. wwwirishphotoarchive.ie. . .COPYRIGHT AND RELATED RIGHTS ACT, 2000..Under the Copyright and Related Rig
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Irish photos Irish people the sixties black and white history pictures Republic of Ireland picture library workshop old photos Bord na Mona vintage photos Irish pictures Irish images film photography black and white prints Irish history old pictures photographs of Ireland Irish society black and white pictures news photos old print Eire antique photos group historical photos photography print 1960s Teachers
- Contained in galleries
- 1963 - Teachers visit Bord na Mona Workshops, Search ALL, Search ALL, images of ireland 1960s


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The Rise of ETFs: What You Need to Know
Given the tremendous growth in investing through Exchange Traded Funds (ETFs) in recent years, AAM has prepared a three-part series of articles aimed at providing investors with everything they need to know about ETFs. In this first instalment, we explore the reasons behind this incredibly disruptive trend as investors shift away from actively managed funds and into passive investments.
Part One: The Death of Active Managers?
Twenty years ago, outside buying direct stocks and bonds, the main route to financial markets for investors was to place their money into managed mutual funds (unit trusts) and their faith into a dedicated fund manager. As these fund managers are tasked with the responsibility of making investment decisions and therefore performance, they levy a management fee. This fee, when added to the other costs of running a fund can amount to a total expense ratio (TER) of around 1 – 2% of the value of the fund per year (note: these charges are taken before publication of any unit price or performance data). Because this approach relies heavily on the fund manager's ability to identify sound investment opportunities, buying and selling assets when judged prudent, it is usually referred to as active investing.
Active investing had been established as the de facto standard for decades until the economic turmoil resulting from the Global Financial Crisis in 2008 caused many investors fundamentally to re-evaluate what they were paying for, as the value of their investments fell so dramatically despite the management fees charged. This disillusionment with active investing has led to the proliferation of passive investments – low maintenance, index-based investments such as Exchange Traded Funds (ETFs). Such investments are designed to "passively" follow the market rather than trying to beat it. The incredible growth of these investments is shown in Figure 1.
Figure 1: Significant Growth in the number of ETFs and the Value of Assets Invested in ETFs, Source: ETFGI
Are Active Managers Worth Paying For?
The argument for active investing relies on the ability of the fund manager to add value, that is, to generate a return sufficiently higher than a benchmark reference point (e.g. an equity index) to justify the management fee they charge. In the case of an investor holding a UK-focused equity fund, we could compare the returns generated by the fund to the return on the FTSE 100 index (a measure of the return of the largest 100 companies that an investor can buy on the London Stock Exchange, weighted by market capitalisation).
Given the investor is paying for the fund manager to find the best opportunities, he or she would expect the managed fund's returns to be better than that of the index by at least the 1 – 2% TER cost of the fund. In other words, the investor requires a positive relative return on the fund to justify the additional fees paid. If the fund made a gain of 5% but the FTSE 100 returned 10% over the same period, the investor should feel disappointed. Conversely, if the fund made a loss of 5% but the FTSE 100 benchmark dropped by 20%, he or she might feel the fund manager had done a good job – at least in relative terms.
Beating the Benchmark
Much work has been done to try to understand whether actively managed funds are actually worth paying for. While a consensus is yet to be reached, there is growing evidence that suggests it is very hard for active managers to sustain returns above that of the index.
The idea that actively managed funds cannot consistently beat the benchmark has furthered the popularity of Index funds and ETFs. ETFs have enjoyed incredible levels of growth as effective ways of accessing markets such as the S&P 500 in the US or the FTSE 100 in the UK, where the efficiency of the market makes it extremely difficult for a fund manager to find mispriced stocks. They have also become very popular as a way of tracking commodities, currency pairs and even the amount of volatility (i.e. risk) in the markets.
What's the difference between an Index Fund and an ETF?
An index fund is a passive investment, but structured in the same way as a fund. New units are created by the fund house (and cancelled) as new investors buy (and sell) the fund. However, an index fund employs no fund manager and merely tries to replicate the returns of an index or benchmark. As they do not employ a manager, or a team of analysts, they tend to be much cheaper than managed funds. ETFs are like index funds although they are traded like common stock on stock exchanges. When you buy, or sell shares in an ETF you will usually trade with either another investor or a market- maker rather than the ETF provider.
Coming Out of the Closet
Another criticism of active managers is that of 'benchmark hogging', investing in a way which is similar to the index or benchmark that performance rarely deviates significantly from the index. This might result from the compensation structure of fund managers, which is pegged to relative performance. Achieving returns similar to returns on the index may ensure consistent financial rewards for the fund manager, but not for the investor. Considering actively managed funds are more expensive, if performance is likely to be very close to the index then many would prefer to stick to indexes.
A Future for Active Managers?
Index-based investments like ETFs have caught the imagination of investors, who have recognised that through passive strategies, they may beat the returns available through managed funds, after taking fees into consideration. And as ETFs become increasingly prevalent the same investors are becoming increasingly cost-sensitive. Morgan Stanley reported that historically fund performance was the primary driver for trade flows but this trend has weakened, with fee levels becoming the more important factor.
With this in mind, the future for active managers does not look particularly bright. However, at the same time, market spectators are increasingly aware of the shortcomings and potential risks involved with investing blindly in ETFs, as well as the opportunities for active managers to profit from such shortcomings. This is explored in greater detail in Part Two of AAM's ETF series.
The views expressed in this article are those of the author and do not necessarily reflect the views of AAM Advisory Pte Ltd. This document/article should not be construed as an offer, solicitation of an offer, or a recommendation to transact in any securities/products mentioned herein. The information does not take into account the specific investment objectives, financial situation or particular needs of any person. Advice should be sought from a licensed financial adviser regarding the suitability of the investment product before making a commitment to purchase the investment product. Past performance is not necessarily indicative of future performance. Any prediction, projection, or forecast on the economy, securities markets or the economic trends of the markets is not necessarily indicative of the future performance. Whilst we have taken all reasonable care to ensure that the information contained in this document is not untrue or misleading at the time of publication, we cannot guarantee its accuracy or completeness.


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By Trefor Moss
November 24, 2018 5:30 a.m. ET
SHANGHAI—Chinese airlines were buffeted this summer by a series of cockpit blunders that put passengers' lives at risk, pointing to what foreign pilots say are serious flaws in training as China's booming aviation industry struggles to meet demand for flight crews.
The mishaps included a July 10 incident in which an Air China Boeing 737 en route to Dalian from Hong Kong plunged 25,000 feet after the pilots mistakenly disabled the cabin's air supply. They were trying to deactivate an air-circulation system so they could smoke, but ended up triggering an emergency descent.
On Aug. 16, a Xiamen Airlines Boeing 737 jet lost its landing gear and an engine and skidded off the runway when its crew tried to land in Manila in heavy weather.
Two weeks later, a Beijing Capital Airlines Airbus A320 lost its front wheels and damaged an engine as it bounced three times along a runway in Macau. The pilots aborted the landing and diverted to Shenzhen.
Summer Turbulence
Chinese airlines suffered serious incidents in July and August, which pilots say could be avoided in future with better safety protocols.
A China Express Canadair CRJ-900 experienced a very heavy landing and sustained damage after the pilots mistakenly switched off both engines on approach to Tongliao.
The ground proximity alarm sounded twice as a Shanghai Airlines Boeing 737 approached Nanchang airport, though the jet ultimately landed safely.
A Shenzhen Airlines Boeing 737 skidded off the runway in Hohhot after pilots attempted to turn their speeding aircraft too soon after touching down.
An Air China Boeing 737 en route from Hong Kong to Dalian plummeted 25,000 feet after the pilots triggered an emergency descent by smoking illegally in the cockpit.A Tianjin Airlines Airbus A320 sustained damage to its nose and windshield after flying into a hailstorm, rather than diverting around it, and performed an emergency landing in Wuhan.
A XiamenAir Boeing 737 lands late at night in severe weather in Manila, causing the jet to lose an engine and its undercarriage, and to skid off the runway.
A Beijing Capital Airlines Airbus A320 lost its front wheels and damaged an engine during a botched landing in Macau, before performing an emergency landing in nearby Shenzhen.
China's Civil Aviation Administration didn't respond to questions. But in a meeting with senior aviation officials in September, administration chief Feng Zhenglin ordered a national aviation inspection to root out "unqualified employees" and addressing the "excessive expansion" of civil aviation, according to an agency posting online.
Chinese airline passenger numbers quadrupled to 552 million between 2005 and 2017, fueled by its rising middle class.
Around 5,000 new pilots joined the country's airlines last year, and Boeing Co. estimates China will need another 6,500 a year for the next 20 years to meet demand.
That breakneck pace has put too many inexperienced aviators in the cockpit, seven foreign airline captains with current or recent experience with Chinese airlines said. Exhausting work schedules and harsh punishments for honest mistakes compound the problem.
The Wall Street Journal contacted the airlines involved in the recent mishaps, but only state-run Air China Ltd. responded. An Air China spokeswoman said the carrier follows strict safety standards based on U.S. Federal Aviation Administration protocols.
Air China, which said it only punishes pilots for making very serious mistakes, fired the pilots involved in the incident in which the Boeing 737 plunged 25,000 feet.
"Safety is always our top priority, no matter how fast we grow," Air China pilot Zheng Jie said. A Chinese co-pilot seconded that assessment, noting that a "state-owned airline will seek to ensure safety at all costs."
China hasn't suffered a major air disaster since 2010, when 44 people were killed in a Henan Airlines crash in the northeast city of Yichun in remote Heilongjiang province.
China's last major air disaster was in 2010, when 44 people were killed in a Henan Airlines crash. The foreign pilots assert there is a fine line between near misses and disasters, however. "Safety is an illusion" with some Chinese carriers, one captain said, adding that it only "seems safe because so far they're managing not to crash."
China reported 41 aviation accidents and incidents in 2017 and 2018 to the International Civil Aviation Organization, the United Nations agency that sets global aviation standards.
That compares with around 600 reported by major airlines in the U.S. for the same two-year period—a huge gap suggesting many incidents in China aren't reported, said Greg Waldron, Asia managing editor at Flightglobal, an aviation information service.
China isn't the only developing aviation market that has struggled to balance rapid growth with safety. The FAA has downgraded countries including Thailand and Indonesia in years past over safety concerns.
An FAA spokesman said the agency was aware of the safety concerns being raised by pilots in China, and is monitoring China's "ability to effectively analyze, investigate and provide corrective actions to these events."
Foreign pilots acknowledge that aviation safety in China has improved significantly since the 1990s. Most airlines use brand-new planes and the country's airports are world-class. Automation in modern jets also compensates for inexperience.
Even so, Chinese aviation authorities focus too much on technical procedures and not enough on what is happening in the cockpit, the foreign captains say.
Captain Andy Van Bastelaar recalled an incident last year where his Chinese co-pilot was guiding their Airbus A320 on final approach to a regional airport near Shanghai. Mr. Van Bastelaar saw that his co-pilot wasn't flaring the jet—lifting the nose and cutting thrust—to touch down safely.
"At the last moment, I took back control and managed to partly correct it, but we still had a very hard landing," said Mr. Van Bastelaar, a 40-year-old pilot from South Africa who spent four years with a Chinese airline until he quit this year.
Afterward, Mr. Van Bastelaar said his co-pilot immediately started checking the flight-data recorder to see whether he would face punishment for his mistake.
Mr. Van Bastelaar and the other captains—who previously flew in Europe and North and South America—were lured to China by huge salaries. A captain at a U.S. or European airline would typically earn around $8,000 a month; Chinese airlines pay foreign pilots three times as much, tax-free.
The foreign captains—which China recruits from countries it considers to have good aviation standards— described unsafe practices they had seen, including Chinese crew members plastering sheets of newspaper over the cockpit windows after takeoff. "Suddenly there was zero visibility. They said they didn't want the sunlight on their skin," one captain who recently left China said.
Smoking in the cockpit—which caused the Air China flight to plunge in July—is rife despite being officially banned, the foreign captains said. "Once I complained to my administrator about all the Chinese pilots smoking," one recalled. "He said, 'They're calmer if you let them smoke.' "
Chinese pilots also live in fear of being grounded or having their pay docked for cockpit errors, foreign aviators say, leading to situations where pilots land too far down the runway to avoid hard landings.
"These planes are built to withstand hard landings," one captain said. "The obsession with avoiding hard landings is actually making landings much less safe."
The foreign captains warned of institutional failings that can afflict an entire airline. Following a cold winter's night three years ago, one captain realized that jetliners were being cleared for takeoff without deicing treatment.
"Nobody knew about the threat," the captain said. "It was an extremely unsafe situation."
On paper, China and the U.S. have similar rules to guard against pilot fatigue.
The big difference: In the U.S., there must be at least 10 hours between flights, including an opportunity for an eight-hour sleep, for that period to count as a rest.
In China, however, airlines aren't obliged to count the time between short flights where pilots aren't in the cockpit.
Pilots say this practice contributes significantly to fatigue. The problem is exacerbated by China's chronic flight delays, which lead to restless hours stuck in airports.
"I've done 20-hour duties in China. In Europe, that would never be allowed," Mr. Van Bastelaar said. "Pilots are very tired, and very unhappy. They're under huge pressure."
—Chunying Zhang contributed to this article.
Original article can be found here ➤ https://www.wsj.com


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How caterers are profiting from the growing demand for food delivery
By Sara Perez Webber
"It's the American way—no one is leaving their desks anymore," says Victoria Brady, vice president of caterer partnerships for Boston-based ezCater, explaining the growing demand for drop-off catering. "With the rise of technology, people are working all the time; it's just constant, and people want their workforces at their desks."
Companies wanting their employees to be satisfied with the food delivered to the office is one reason ezCater, a platform that connects more than 60,000 caterers and restaurants across the U.S. with businesses who need food catered, is growing rapidly. So, too, are the drop-off divisions of catering companies and restaurants large and small. They're finding success serving not only office lunches and business functions, but budget-minded social clients and nonprofits who are willing to forgo full-service catering but still want quality food customized to their needs. Read on to learn how four companies are expanding their drop-off catering business by doing what they do best—serving up good food when and where their customers want it.
Blue Plate Catering
Chicago • blueplatechicago.com
While many full-service catering companies and restaurants seek to develop or grow their drop-off catering business to meet demand, Chicago's Blue Plate Catering was built on the drop-off model when Jim Horan founded it in 1983. The company evolved to include full-service events, and today stands as one of the city's most prominent catering companies. Blue Plate catered 3,200 events and 3,900 delivery drops last year, was named a top place to work by the Chicago Tribune, and in 2016 moved into an 80,000-square-foot headquarters building, Larkin Hall, with expanded production and administrative spaces as well as sleek event venues.
In 2001, the company launched its drop-off catering division as a separate business unit called DIRECT from Blue Plate. "Under our newest structure for the DIRECT drop-off program, we have consistently seen over 25 percent growth each year, which is very exciting for the organization," says Jennifer Cafferata, DIRECT sales and operations manager.
Businesses and corporations are using drop-off catering "as a way to bring in high-quality, trusted food into their organizations, whether it be for daily lunches, business meetings or on-site events," says Cafferata. "Drop-off catering is also very popular for not-for-profits, educational institutions and medical institutions that have stricter budgets and parameters for ancillary services. Our drop-off model has proven popular for meeting the demands of this middle market."
From DIRECT's large menu, clients most often order traditional hot breakfast items (such as eggs, bacon and breakfast potatoes), as well as sandwiches, wraps and entree salads. "Our culinary team has to take into consideration how something will travel, and how it will display on a table or in a box," says Cafferata. "Since we are catering for a variety of people, they also pay particular attention to designing items that can accommodate all dietary restrictions while still offering variety." DIRECT staffers set up the delivery in full, providing complimentary eco-friendly disposables, including all serving utensils, flatware, plates and table covers.
The company strives to provide a memorable presentation, with specially branded packaging, and food arrives in Blue Plate-branded delivery trucks. "Being reliable, timely and having consistent quality is huge" for growing corporate lunch business, says Cafferata. "Being a vendor that can offer consistency and ease for the order-placer is key."
As it continues to market DIRECT from Blue Plate as a separate brand on its website and marketing materials, the company is seeing results. "This side of the business has grown exponentially over the past few years," says Cafferata, "and we don't see that changing."
Culinary Concepts Catering
San Diego • cateringspecialist.com
Last year, Culinary Concepts Catering experienced record growth in the number of clients it served, as well as record sales in its Culinary-to-Go drop-off catering division. Several factors contributed to the division's success, including three that echo the "Cs" of the company's alliterative name—customization, communication and collaboration.
"The team at Culinary Concepts realizes that in today's economy, customers want to be able to customize and personalize their drop-off meals," says Kathy Koenig, founder and CEO of Culinary Concepts Catering. Leading the customization charge is Cheri Gerzabek, a 27-year company veteran who was appointed drop-off sales manager five years ago.
"Cheri starts with getting to know the client, and bends over backwards to meet a budget," says Melissa Fazio, director of marketing for Culinary Concepts. "She's often working with younger people in admin positions who may know Grubhub or Panera and are used to ordering off a menu, but not everyone knows how much more you can get for your dollar by calling a catering company and customizing your order to what you want."
The company's extensive Culinary-to-Go menus offer lots of variety, with a focus on healthy fare and options that appeal to diners with various dietary restrictions. About half the drop-off business is for offices and corporate functions, while the other half is social, such as birthday parties for clients on a budget. The drop-off business helps "keep the door open" during the week, notes Gerzabek, as most of the big full-service catering bookings take place Thursdays through Saturdays. Furthermore, the relationships built with drop-off catering clients often expand to include full-service catering and larger events.
In addition to communicating extensively with clients to make sure they're getting what they want and "the most bang for their buck," as Gerzabek puts it, she'll suggest the Culinary-to-Go service as a complement to other food services, if that's what the client wishes.
"Cheri knows that her competitive advantage with our Culinary-to-Go service is collaboration with the broader industry," says Fazio. "It is tough to be a small business owner, and by cooperating and collaborating with food industry partners (like food trucks and Grubhub), Culinary Concepts can support local businesses and provide the best options for our clients. If a client wants chicken wings from Wings and Things, great! Cheri will craft a Culinary-to-Go menu that will supply fresh salads and side dishes to complement and extend the menu. A client requests the pho truck, wonderful! Cheri will suggest some delicious fresh appetizers for guests to munch on while waiting for the food truck to dish up their specialty."
It's all about assisting clients with whatever they need, says Gerzabek: "We do whatever we can for them to have a very successful event, and be happy."
Swig & Swine
Charleston, S.C. • swigandswinebbq.com
This popular barbecue eatery in Charleston is about to open its third location, a move that owner and pitmaster Anthony DiBernardo expects will grow Swig & Swine's robust drop-off catering business by another 50 percent.
The new location in Mount Pleasant, explains DiBernardo, is near many large commercial businesses. "Once we get our sales people in the door, and let people know what we have to offer, it will take off," he says. When area office workers venture to the new Swig & Swine for lunch, DiBernardo adds, "we'll hand out menus and let them know we can bring it to them next time."
Drop-off catering is booming in the city, he adds, due to Charleston's rapid growth and resulting heavy traffic. "It's taking longer to get to and from lunch, so us bringing in lunch really helps companies on their labor," he says.
Swig & Swine's most popular drop-off menu items are its two-meat combo plates with smoked pork and chicken, sides of mac-and-cheese and beans with brisket, and its banana pudding dessert. All of the proteins are smoked, and Swig & Swine's new location provides it with a kitchen and smoke room big enough to serve as a centralized catering operation that can more easily handle large orders. While small orders will continue to be filled by each restaurant, an order for 600, for example, would be fulfilled through the new kitchen.
Swig & Swine is part of Queen Street Hospitality, a thriving restaurant group with 300 employees that also includes the Charleston restaurants 82 Queen and Lowcountry Bistro. With the new facility, the group is now launching Queen Street Catering, which will allow it to market catering services that go beyond barbecue. DiBernardo says this is key for wedding business, as Charleston is popular for destination weddings, and the new umbrella name will let prospective customers know that the company's full-service catering menus go beyond barbecue.
For Swig & Swine catering, "box lunches are huge," says DiBernardo. School fundraisers also frequently place drop-off orders, with parent volunteers serving the food to cut down on cost. "We do as much or as little as the guests want," he adds, "from just dropping off to setting up the tables with the chafers and disposable wares, to stocking chafers with the food items."
Norma's Cafe
Dallas • normascafe.com
Customers who order drop-off catering from Norma's Cafe, a popular restaurant with five locations in the Dallas area that serves "Texas comfort food," can see their food coming. The company recently debuted a catering van with an artistic wrap that makes it look like a farm truck with wooden bed rails.
"Although exposure is hard to measure, we feel the unique wrap on the van makes it much more noticeable," says Bill Ziegler, Norma's Cafe director of operations. "We have had a lot of guests mention they've seen the van around town, plus other guests notice the van picking up orders at the cafe and realize that we offer catering."
The van became a necessity after Norma's hired a full-time catering director, Lila Levy, who "has turbocharged our catering revenue," says Ziegler. The company began focusing on catering in 2010, but last year, catering sales skyrocketed 67 percent above 2016 levels. Drop-off catering has grown alongside bulk pick-up and full-service catering.
"We have set a goal of a 50 percent increase again this year, and are on track to meet that," says Ziegler.
Norma's most popular drop-off menu items are for the meal that originally put it on the map—breakfast—including breakfast tacos and buffets. Its menu staples of chicken-fried steak, chicken fingers, grilled chicken, pot roast, fresh vegetables, homemade rolls and cornbread are other top sellers.
In addition to its eye-catching van, Norma's markets by branding everything that comes along with a catering order. "For drop-offs, we make sure that every container of food has plenty of Norma's Cafe liners, Norma's Cafe pie cutters and to-go menus," says Ziegler. "All of our containers also have our logo, name and locations on them, along with our social media handle (@normascafe) and our website URL." When the order also includes set-up, employees will line the table with Norma's liners, display to-go menus and gift cards for a free slice of its signature Mile-High Pie, and even—depending on the atmosphere of the event—add banners, Norma's Cafe coasters, whimsical signs (bearing such phrases as the restaurant's motto: "Life is short, eat dessert first.") and red Mardi Gras beads.
While most of Norma's drop-off catering orders are for businesses, bookings for social events—such as church gatherings, watch parties and Thanksgiving meals—are on the rise. In addition, says Ziegler, "weddings have been a popular event for us to cater—pies can look (and taste) just as pretty as wedding cakes!"