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|RERA for Maharashtra – a mixed bag
Paresh Karia
The much awaited RERA rules for Maharashtra will finally see the daylight. The draft rules have been put in public domain for inviting suggestions up to December 23rd, 2016. The final rules are likely to be notified in the official gazette sometime early next year.
Let us examine some of the key provisions and see how they will benefit the home buyers. Let's also identify the rules which are detrimental to the interest of the home buyers and make appropriate suggestions for rectifying the same.
Applicability to ongoing projects
Firstly, we must appreciate the government for bringing the ongoing projects also within the ambit of RERA unlike other governments like Gujarat and UP which have given them exemption.
The developer of all ongoing projects which have not received Occupation Certificate or Completion Certificate will have to register the project within 3 months from the date the act becomes effective. This means that they will have to comply with all conditions regarding disclosure, escrow etc. The developer will not be able to make any sale till the project is registered.
Given the quantum of disclosure and complexity in escrow mechanism etc., there are very few developers (we can count them on finger tips) who will be in position to register the ongoing project within stipulated time.
Hence, one may find developers clamouring to sale as much as they can, in the ongoing projects before the deadline of registration of project under RERA. Post the deadline, the sales of ongoing project will virtually come to a standstill and pick up only gradually as the developers complete the registration process. The launch of new projects will be kept in abeyance as the developers focus on registering ongoing projects.
One of the main objects of RERA was to bring about transparency through disclosure of all information related to a project.
Disclosure to the regulator
The rules have made it mandatory to furnish not only extensive information as envisaged under the act, but also additional information regarding the project to the regulator, which includes details of past projects of the developer, land ownership and title, development/JV agreements, Approvals, Commencement Certificates, FSI/TDR to be utilized, Buildings/Wings/Floors to be constructed, Sanctioned Plans/Layouts, Amenities, Specifications, Proforma of allotment letter/agreement to sale/conveyance deed etc.
Disclosure to the Public
The regulator is bound to publish information regarding the project on its website. However, the rules have exempted certain information to be published on the website which inter alia includes:
While one can understand that certain sensitive information need not be put in public domain, it is imperative to have information mentioned in point no. 1 and 4 above made available to public so that they can take an informed decision.
Delay in execution of projects
One of the major problems faced by the homebuyer today is delay in completion of the project. Unfortunately, the RERA rules, in their present form, have not adequately addressed this burning problem.
The rules simply say that in case of delay in completion of project, the home buyer has the option to cancel his booking and take money back with interest at two percent above SBI's lending rate which effectively could be around 11%. This is no way penalises the developer for delay or protects the interest of the home buyer. Considering the hardship faced by the homebuyer on account of delay in completion of his home and the financial cost incurred by him by way of EMIs and rent, it would be fair that he should be compensated for the same.
Hence the rules should provide for compensation to the home buyer for the delayed period at a rate which will at least take care of the EMI and Rent (effectively around 11%).
Carpet Area
The rules defined carpet area as "Net Usable area including internal walls". Finally, we now have a standard measure and all developers will have to follow the same and explicitly mention in the agreement.
However, the rules also say that the final carpet area will be confirmed after the building is constructed and OC is received. If at that point of time, the carpet area is more than originally envisaged, the buyer will pay difference to the developer at the original per square feet rate. Similarly, if the carpet area is less, the developer will refund the money for the shortfall to the buyers.
While the objective of this clause may be to protect both the parties on account of difference which is quite possible due to technical reasons, such difference may be hardly in the range of 2% to 3%. Accordingly, the rules should prescribe such limit else, by leaving it open ended there is scope for misuse.
Possession only after receipt of Occupation Certificate
The rules make it amply clear that the developer can offer the possession only after receipt of occupation certificate.
This will put to end the current practise of many developers calling upon buyer to take possession and collecting amount due on possession as well as maintenance and other charges even when they have not received occupation certificate.
Payment Schedule
The draft agreement in the rules have also prescribed the manner in which the developer can collect money from the buyer for an under construction project. What is surprising is that the developers can now take as much as 45% of the total amount at the plinth level itself i.e. even before the building is off the ground. Thus home buyers may now be called upon to pay a substantial amount at the very early stage and wait for years for the completion of their home. What makes it worse that there is no penalty on developer if he delays the project. Hence, the developer can take a large chunk of money upfront and take their time to complete the project.
Also, there does not seem to be any rationale behind this as the cost of construction till plinth would be much lower than 45%, especially in case of high rise buildings. Hence, it is suggested that the payment up to plinth should ideally not be more than 30%.
Further, the developers can now collect up to 30% of the consideration, even before the agreement for sale is done (this was less than 20% under MOFA and 10% in the RERA Act). Currently, the home buyer pays 20% to 25% of the consideration and then goes for registration of the agreement so that he can take home loan for the balance amount. Now, if the developers insist for 30% payment, the buyer will be able to avail loan up to 70% of the consideration value only.
Draft Agreement
The draft agreement laid down by the rules comes as a welcome relief to home buyers who until now had no option but to accept a one side agreement completely in favour of the developer. The agreement is now more balanced and most of the clauses in the draft agreement start with "The Promoter ..... as against the current agreements where they start with "The Purchaser ….
Warranty for 5 years against defect
The rules provide that the developer will have to rectify any defects in the property, at his own cost for a period of up to 5 years from the date of handover. If the defect cannot be rectified, the developer will have to pay compensation for the same.
Thus, as can be seen from above, the rules are a mixed bag as of now. We hope that the government takes into consideration the factors mentioned above as well as other suggestions before announcing the final rules so as to adhere to the REAR in its true spirit of protecting the interest of home buyers.


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The Racialicious post, Talking About The Things We Do To Each Other, is an important intra-POC conversation about tensions between black people and (East) Asian people (or rather between non-Asian black people and non-black Asian people). This is an incredibly complex topic, and I will have to respond to this issue through multiple posts.
Firstly, however, I must strongly disagree with Thea Lim's characterization of East Asians:
I had a long convo with my friend L about this last week, where he said that East Asian students always gravitate towards white students, whereas African American students will usually stick together. The more we talked about it, the more I realised that he thought East Asian students do that because they aspire to whiteness, and because they can – economic privilege or light skin privilege allows them to do so. I was surprised to realise that he didn't get it – East Asian students gravitate towards white students as a means of protection from the particular kind of racism that East Asians experience; where they are always made to feel as if they are from somewhere else.
Not only does this not apply to me as a (non-black) Chinese Canadian, but this whole situation does not apply to the schools I attended growing up. Perhaps it is a class difference and/or regional demographic difference, but the situation that Thea describes would be impossible at the public schools I attended.

subset: commoncrawl


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(Sittin' on) The Dock of the Bay was written by Otis Redding and guitarist Steve Cropper. Otis wrote the first verse on a houseboat in Sausalito, CA after playing the Monterey Pop Festival. The song was recorded December 7, 1967, three days before Otis died in a plane crash near Madison, Wisconsin at the age of 26. Cropper, devastated, began mixing the song even as divers searched a lake for Redding's body. A final verse had yet to be written, and Cropper retained Otis's scratch-whistling at the end of the tune. Upon release in January 1968, the record spent 12 weeks on the charts, four of those at the top position, Billboard's first posthumous #1. It's 2:38 of bittersweet moanin' and pleadin' brilliance by the man from Dawson, GA. You can listen here.
(Sittin' on) The Dock of the Bay: Sittin' in the mornin' sun; I'll be sittin' when the evenin' come; Watching the ships roll in; And then I watch 'em roll away again, yeah; I'm sittin' on the dock of the bay; Watching the tide roll away; Ooo, I'm just sittin' on the dock of the bay;


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MINNEAPOLIS (AP) — The U.S. Environmental Protection Agency is giving a shout-out to three Minnesota venues for reducing their food waste.
Through its Food Recovery Challenge, the EPA encourages organizations to donate unused food and recycle their scraps to reduce waste, feed the needy and save money.
The federal agency marked America Recycles Day on Thursday by recognizing the Minnesota Twins and Target Field in Minneapolis, St. Paul's RiverCentre and Xcel Energy Center, and the city of Eagan's Event Center.
EPA Regional Administrator Susan Hedman says that by reducing their food waste, they prevented many tons of food scraps from entering landfills, where it would have decomposed and produced methane, a potent greenhouse gas.
The EPA is encouraging other businesses and schools to join the Food Recovery Challenge as well.
(© Copyright 2012 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)
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Volume 8 Issue 3 / Nov 2010 pp267‑344
Keywords: action research, case study, codification and personalization knowledge management strategies, collaborative projects, components of tacit knowledge, critical knowledge factors, design re-use, engineering design, ethnographic study, evidence-based medical practice., explicit and tacit knowledge forms, explicit knowledge, fixture and tooling, knowledge assets management, knowledge based systems, knowledge capital, knowledge integration, knowledge map, nature of tacit knowledge, new product development, organizational culture, performance improvement, research centre, social capital, tacit knowledge,
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Collaborative projects are increasingly common today and such projects require specialized knowledge of the partners to be integrated, therefore posing the challenge of inter‑organizational knowledge integration; integrating diverse knowledge bases across organizations. Studies on knowledge integration and inter‑organizational networks indicate the positive influence of social capital in the context. Since partners in a collaborative project are likely to possess this resource due to their partnership, a knowledge integration view is adopted to conduct an empirical investigation of a three‑partner collaborative project to investigate the influence of social capital. The study shows how the different aspects of social capital influence the knowledge integration behaviour of the partners for the project. Implications to research and practice are discussed.
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Evidence‑based medicine has greatly influenced decisions and actions throughout the health care industry for a couple of decades, particularly in the advanced countries. However, little is known as to how patients with their tacit knowledge have fitted into the evidence‑based medical practice equation especially in the developing world, hence the need for this study. The combined use of the theory of communicative action and the AGIL taxonomy of adaptation, goal attainment, integration, and latent pattern maintenance by Talcott Parsons served as the theoretical framework for the study. The theory of communicative action provided the benchmark in understanding how doctors and patients are motivated to adapt and integrate the explicit and tacit knowledge forms in attaining the goal of quality evidence‑based medical practice in line with the AGIL taxonomy. The qualitative interviews with fifty respondents ‑ twenty doctors and thirty patients ‑ in the central region of Ghana are utilized as the data base for the discussion. The study concludes that at present patients' tacit knowledge does not matter in the practice of evidence‑based medicine in Ghana. This situation has to be addressed by empowering patients to be actively involved in clinical decision‑making affecting their health. This is critical because effective implementation of evidence‑based medical practice demands a good blend of explicit and tacit knowledge forms possessed by doctors and patients respectively. It is believed that embracing this strategy of managing knowledge in the health care dispensation holds the potential to bring about improved health care outcomes.
Keywords: knowledge management, explicit and tacit knowledge forms, codification and personalization knowledge management strategies, evidence-based medical practice
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In the Knowledge Based Economy, research centres whether industrial or public, play a fundamental role. In terms of Knowledge Management, these organisations have a special status, because their production is knowledge and only knowledge. The Knowledge Capital they accumulate in their activities therefore is a strong strategic issue and the management of these assets has become crucial. The problem addressed in this paper is to design a pertinent methodology for Knowledge Management considering the specificity of knowledge production by research centres. This methodology is based on a suitable model to describe that knowledge production. The reference model is built on knowledge flows between the organisation and its knowledge workers, and a subsystem called "Knowledge Capital". A research centre is defined by the fact that its product is only knowledge and is accumulated in its knowledge subsystem. Some economical characteristics of this Knowledge Capital are shown as being very adapted to knowledge produced in research centres. The methodology is based on two tools. The first tool is the knowledge map that can represent a comprehensive model of the Knowledge Capital of the organisation, which is often not well known or unstructured. That map is built on a shared and consensual vision of the main knowledge actors. It is not a map produced by a knowledge tool, but a co‑construction (through interviews) with the knowledge actors. The second tool is a grid for criticality analysis (Critical Knowledge Factors), which evaluates the knowledge domains of the organisation and suggests appropriate actions to be put in place for the most critical domains. This tool is a guide for interviewing knowledgeable actors in the organisation, to collect and analyse a set of data for decision support. The aim of the methodology is to provide a set of recommendations to build a KM plan of actions to preserve, share and make evolve the Knowledge Capital. The methodology has been elaborated through constant feed‑back with practice, and has been validated in many real cases in various countries. Three case studies (France, Brazil, and Canada) are succinctly described to exemplify the effectiveness of the methodology.
Keywords: knowledge management, knowledge capital, research centre, knowledge map, critical knowledge factors
Is Tacit Knowledge Really Tacit? pp307‑318
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The aim of this article is to increase understanding of tacit knowledge as a phenomenon and also, to specify and understand tacit knowledge of an expert in a given context. In the discourse of organizational behavior, the use of the concept of tacit knowledge and empirical scientific research on it has become more popular only in the 1990s. The strong increase in expert work and knowledge‑intensive fields make examining the topic timely and both theoretically and practically interesting. The most significant theoretical contribution of the study is the increase in understanding, as well as, the creation of new knowledge of the contents and the nature of tacit knowledge. Based on our study, it seems that the current division of knowledge to explicit and tacit is not sufficient to describe the phenomenon. It has been proposed that explicit knowledge is visible and "articulated" knowledge that can easily be transferred and codified, e.g., through speech, documents and various information management systems. Implicit knowledge, on the other hand, is "silent", hidden and non‑verbal knowledge that is difficult or even impossible to transfer and express verbally. We propose that tacit knowledge comprises different components, some of which can be articulated and made explicit. Examples of such are individual's or organizations accustomed lines of action that are based on explicit instructions. On the other hand, individual‑specific tacit knowledge that includes feelings, emotions and intuition, individual's intuitive behaviour or personal relationships, can be considered as "the genuine tacit knowledge" in the sense that it cannot be made visible or transferred. These findings suggest that the interconnectedness of explicit and tacit knowledge ought to be examined further.
Keywords: tacit knowledge, nature of tacit knowledge, components of tacit knowledge, explicit knowledge, organizational culture, case study
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This paper describes and reflects on the implementation of a Knowledge Based Holistic Design Support System – termed "HolD" – into a business environment. The paper introduces the rationale and development behind the system, a consciously different approach to traditional knowledge based systems in engineering in order to meet the requirements of a small business, producing bespoke low volume products. Typical knowledge based engineering systems rely on explicitly codified knowledge which often supports product optimisation rather than creative design activities. Such a system would provide little benefit to a business producing bespoke products. Instead, the system presented here, supports the creativity of designers through codified tacit knowledge input by designers as meta‑data for past designs. The problem of individual inertia in adopting the system and sharing knowledge was approached early in the construction of the system. The steps taken to lower user barriers and encourage day‑to‑day use are detailed, including the design of a multi‑stage input process designed to interact at key stages of users' existing processes. The immediate results after a six month trial period are presented and the results show slower than anticipated usage. In particular designers were found to be reluctant to input detailed information beyond common identifying data and did not attempt to seek information from the system. The reasons for this slower usage are discussed and possible solutions presented. The paper therefore provides industrial based evidence of the inertia encountered when implementing a knowledge system and argues that technology alone is insufficient to overcome this inertia.
Keywords: engineering design, knowledge based systems, ethnographic study, fixture and tooling, design re-use
The Knowledge‑Based Foundations of Organisational Performance Improvements: An Action Research Approach pp333‑344
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The strategic and management literature grounded on the resource and knowledge based view of the firm, has widely outlined the importance of knowledge assets in a company's value creation. However, despite acknowledgment of the strategic relevance of knowledge assets and their management for driving organizational performance improvement, there is still a lack of suitable approaches to disentangle, explain and assess how knowledge assets support the achievement of a company's strategic outcomes. The paper investigates the role and relevance of knowledge assets in a company's performance improvement and provides some approaches, tools and managerial suggestions regarding the leveraging knowledge assets as value drivers for improving organisational performance. Methodology: The study is based on action research methodology. Findings: This paper highlights the role and relevance of knowledge assets as critical factors to manage for improving a company's performance. In particular, integrating the results of an action research project with the main insights from a literature review, the paper provides some approaches, tools and managerial suggestions mainly regarding: i) the identification and mapping of knowledge assets to be managed in order to improve performances; ii) the choice and the design of knowledge assets management initiatives; iii) the evaluation of the performance improvement gained by the implementation of knowledge assets management initiatives. Research limitations: The paper investigates the leveraging knowledge assets for a company's performance improvement in a specific context of analysis, i.e. the New Product Development (NPD) process. In order to have a more holistic view of the interactions between knowledge assets and company's value creation mechanisms, an extension of the investigation to other organisational processes is required. Moreover, to generalise the research's results, several applications in different industries and the use of different research methodologies are required. Practical implications: The paper, on the basis of theoretical and empirical insights, provides four managerial practices which managers might use in order to design and implement knowledge assets management initiatives aimed to support the improvement of company's performances. Originality/value: The paper provides more light on how knowledge assets and complementarities among them enhance organization's performances and provides approaches, tools and managerial suggestions for supporting managers in developing and leveraging knowledge assets. Especially the proposed approaches and tools intended to provide managers with information to assist them to allocate their managerial efforts to the knowledge assets with significant impact on performance.
Keywords: knowledge assets, new product development, performance improvement, knowledge assets management, action research.


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The Weekly Dish! These are recipes from this blog for the last week.
Roasted Pumpkin and Coconut Milk Soup
These are recipes from other blogs I follow.
Pumpkin Crepes from Take a Mega Bite
Bacon Potato Tart from Food on the Food
Apple Cider Pancakes from Baking Serendipity
Main Dish
Pumpkin Gnocchi with Winter Squash and Seared Radicchio from Eats Well With Others
Shrimp and Feta Pasta from Noshing with the Nolands
Bourbon Apple Pies from Boozed + Infused
Mexican Wedding Pumpkin Cookies from Vegetarian Ventures
Apricot, Pear, and Persimmon Crumble from Feed the Piglet…


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The sign in front of the storefront reads "Dry Cleaning with Style." And style is what you find when you step inside the Bonded BoutiqueCleaner in University City.
The shop at 37th & Spruce Streets is both a fashionable boutique and a full-service dry cleaner, catering to the dry cleaning and shopping needs of college students and other customers. It used to be just Bonded Cleaners, a dry cleaning business. But that all changed in October of 2011, when HanNa Jung '04, a Moore graduate, had a big idea to transform her family business.
While living and working in New York, Jung had been honing her dream to start her own clothing line. The fashion design alumna was working in handbags and accessories design as well as production management. When she came home to visit her mother one weekend, she saw the space with a new eye.
"The business wasn't doing well at the time because of the economy and I thought that adding a boutique was a creative way to maximize the space and to redefine a business," she said.
Jung opened the boutique using her personal savings for the renovation, inventory and everything in between. She tried to be as resourceful as possible, using a friend's old antique doors and turning them into counters and clothing racks, display tables and a dressing room mirror.
"In decorating the boutique, I took more of an artist's approach by taking abandoned items from the side of the road or buying things from thrift shops and giving new life to them," Jung said. Two old windows that hang on the wall were recovered from a dumpster in New York City. An 8' vintage ladder purchased for $5 at an estate sale is used to display belts and scarves.
"Most of the work, like painting, putting up shelves and curtains was all done by me," Jung said. "But I'm thankful that within a year I made back all of my investment and then some."
In fact, business has grown 50 percent for both the dry cleaner and the boutique over the past year.
"We have lots of loyal customers who shop and bring in their dry cleaning," Jung said. "This business venture has been stretching me to develop in different roles and capacities.To transform a space, a business, and to see it grow and generate profit has been really rewarding. I'm looking forward to using this experience for other business ventures ahead."
Jung plans to expand the business and launch her own line of ready-to-wear women's clothing. She credits Moore College of Art & Design with inspiring her to be "bold" and nurturing her entrepreneurial spirit.
"As an only child, I used to be really shy," she said. "Growing and developing myself in the supportive and strong environment of an all woman's college gave me the ability to speak my voice and come out of my shell."
Her advice for Moore students? Think outside the box when it comes to career aspirations or anything else.
"Learn to look at objects, situations and relationships not only as they might appear, but also see their potential… see something new that might not be apparent and develop it and maximize it and turn it into an asset."
Bonded BoutiqueCleaner is open Monday – Friday, 8 am – 7 pm; Saturday, 9 am – 6 pm; and closed Sunday. For more information visit www.bondedboutiquecleaner.com
Read an article about HanNa in the Philadelphia Daily News


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Canopy Financial
For many health care consumers, the experience of trying to figure out how much a certain medical procedure costs and how much they have to pay is kind of like this: Imagine going to a fancy resturant where the menu has no prices, someone else orders for you and you end up with a bill.
That's particularly true for people who have health insurance policies with high deductibles or hefty cost-sharing arrangements. But figuring how much will come out of their pocket isn't always easy.
San Francisco's Canopy Financial,which provides banking technology for health insurers, has come up with what it considers is the first mobile application to help consumers figure out determine the cost of a medical procedure in their area.
The iPhone app, announced today, is aimed at people who are covered by what's known as "consumer-directed" health plans, or high-deductible policies with a savings account. It allows patients to determine the average cost of the medical procedure in their local market based on Zip code so they can know or even negotiate price before agreeing to the procedure.
"Today, if you call a carrier and ask them what the price is for a particular procedure, it's probably going to be pretty difficult to get that," said Vik Kashyap, Canopy's chief executive officer. He said some insurers are more forthcoming than others, but the process is often painful for the consumer.
The estimated prices provided by the app aren't exact because negotiated rates between health providers and insurers are generally proprietary. So Canopy relied on prices from public programs, such as Medicare, as well as information from its own health insurance clients. It's hard to say how accurate that will be, but the company claims their estimated costs will cover 90 percent of providers in a given area.
Called the Mobile CDH Application, the app will be available on the Apple iPhone and iPod Touch on Monday, May 18, for a one-time fee of $4.99. The company expects it to be available on the Blackberry and other devices later this year.


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How a friend's death led a wirehouse broker to go independent; lessons learned from a difficult, delusional client; how to prevail against a client suing for alleged portfolio mismanagement—these are just a few of the stories the 30-year veteran advisor Bob Collins tells in a new book he hopes will inspire advisors to reach success.
Collins' just published book, Principle Matters, tells the unlikely success story of a newly minted college graduate who in 1982 took his first job with a brokerage firm, First Jersey Securities, where the branch manager handed out scripts. He had not known the firm was a boiler room pushing penny stocks.
"I started on a Monday and quit on a Friday my first week in the business," Collins told AdvisorOne in an interview. The firm's CEO eventually went to jail, but Collins learned through a career strung with surprising ups and downs how to make it in an industry he feels fortunate to be a part of.
The 52-year-old principal of Bethesda, Md.-based Collins Investment Group, an independent broker clearing through Wells Fargo Advisors Financial Network (FiNet), heads a team managing around $600 million, and is a former Research Magazine Advisor Hall of Fame honoree and a Barron's Top 1,000 Advisor.
But even just a few years ago things were not going so smoothly for Collins, having made the fateful decision to go independent just months before the Lehman bankruptcy that brought the market plunging.
Collins tells how the sudden death of a friend, in his late 40s, sparked the decision to go independent, with all the difficulties such a move can entail for a wirehouse broker. Collins started worrying about what would happen to his wife and his daughter if he were unexpectedly to die.
And on the business side, "I started thinking about what would happen to my team if I got hit by a bus. My team would have to find new jobs and everything I built up just implodes. That is probably the No. 1 reason why I left."
Wirehouses, at least at that time, he said, just divvied up the clients and dissolved the team that managed the business. Wirehouses today have some better policies to address succession, but the approach then, he said, was "I hope you have a lot of life insurance."
The move was costly and risky. Collins had to leave behind nearly $1 million in forgone retention bonuses and would have to pay a percentage of first-year revenue to buy his book of business.
Bouyed by an outside valuation that valued his business at something like four times the retention money, Collins determined the pain could be endured to free him and his team to build their business independently.
"In a corporate situation you don't control your own destiny," he says.
What he could not have foreseen, though, was the Lehman crisis, which brought about a litany of woes: "assets dropping; fees dropping; clients getting nervous; and [I had a] team of eight with a lot of overhead.
"My clients got through the crisis because their income off their principal did not drop dramatically," said Collins, adding that he always told his clients: 'You never want to count on the stock market to pay your bills.'"
But the advisor found that to survive the downturn, he had to suspend that principle himself, dipping into his own capital in early 2009, to weather the storm.
"There were months there where I had to go against my cardinal rule about going into principal. So I made a decision to take it quarter by quarter." Collins said the market bottomed out by the spring of 2009 and by September of that year, the business was on a secure footing.
That fact that his incipient firm survived Lehman and has gone on to thrive suggests to him that "high-end advisors don't need wirehouses anymore. I predict that more and more higher-end advisors will leave the wirehouses and start their own businesses."
Another lesson learned from going independent?
"I'm a better advisor [today] by owning my own business."
Collins recounts other lessons in the book, including one learned from a client called Frieda. An unmarried woman with just a high school diploma, Frieda was the daughter of a New York City cab driver and suffered from mental illness. Despite her humble background, she had slowly built up a portfolio worth $1 million. She had no close relatives other than an estranged brother.
"As a team we discussed firing Frieda many times because she was verbally abusive; I left it up to the team to vote," Collins said.
The team decided to keep her on, and indeed came through for her in her hour of need.
"One night walking the streets in a delusional state, Frieda wound up taken to a mental hospital. I helped her hire social workers."
This experience with a difficult client taught Collins his business was not about making money but about making a difference. "It's about taking care of people, about why an advisor should go beyond duty," he says.
"We are making a difference in people's lives. That's why our assets are going up in this negative environment," he added.
Another key lesson the financial advisory business has taught Collins is the necessity of perseverance in the face of adversity. Despite the reluctance any advisor would have admitting to having been sued, Collins' book details an arbitration brought on by a disgruntled client and how he won.
Back in the go-go late '90s, Collins had a real estate developer client eager to take on risk to increase his portfolio returns. Collins had arranged for the client to devote 10% of his investment net worth to aggressive investments, which were doing quite well in 1998-1999.
"He wanted to take money out of his conservative portfolio and put it in his fast-paced portfolio. I said, 'Send me a letter and explain to me in detail' why he wanted to do this.
"Months later he wanted to do it again," so Collins asked him to write another detailed letter. When the tech sector exploded in 2000, the client sued Collins.
To win the case, Collins' lawyers used a simple but compelling strategy. They blew up the two letters to 6 feet by 4 feet, and kept pointing back to the letters every time the client's attorney made a point about broker malfeasance.
"Firms always want [advisors] to settle, but I took the risk of fighting it and I won it," Collins says.
His book details another trying legal challenge when the FBI drew him into their investigation of a client suspected of fraud. "The legal people were telling me to get rid of client at a time when the family needed me most," Collins said.
The lesson this teaches brokers, he says, is the need to persevere. "It's unusual when situations like this happen; but when they do happen, you can't quit, you can't run," Collins says.
That's also a lesson Collins took to heart when he took upon himself the difficult task of publishing a book of this kind and pushing it through compliance. "Lawyers and compliance don't want you to do anything. But I just wanted to give back some nuggets to the world in our industry and outside of the industry," he says. "You've got to have principles and goals."


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During the Fall and Spring semesters, the Computational Social Science (CSS) and the Computational Sciences and Informatics (CSI) Programs have merged their seminar/colloquium series where students, faculty and guest speakers present their latest research. These seminars are free and are open to the public. This series takes place on Fridays from 3-4:30 in Center for Social Complexity Suite which is located on the third floor of Research Hall.
If you would like to join the seminar mailing list please email Karen Underwood.
Computational Social Science Research Colloquium /
Colloquium in Computational and Data Sciences
Robert Axtell, Professor
Computational Social Science Program,
Department of Computational and Data Sciences
College of Science
Department of Economics
College of Humanities and Social Sciences
George Mason University
Are Cities Agglomerations of People or of Firms? Data and a Model
Friday, September 28, 3:00 p.m.
Center for Social Complexity, 3rd Floor Research Hall
All are welcome to attend.
Abstract: Business firms are not uniformly distributed over space. In every country there are large swaths of land on which there are very few or no firms, coexisting with relatively small areas on which large numbers of businesses are located—these are the cities. Since the dawn of civilization the earliest cities have husbanded a variety of business activities. Indeed, often the raison d'etre for the growth of villages into towns and then into cities was the presence of weekly markets and fairs facilitating the exchange of goods. City theorists of today tend to see cities as amalgams of people, housing, jobs, transportation, specialized skills, congestion, patents, pollution, and so on, with the role of firms demoted to merely providing jobs and wages. Reciprocally, very little of the conventional theory of the firm is grounded in the fact that most firms are located in space, generally, and in cities, specifically. Consider the well-known facts that both firm and city sizes are approximately Zipf distributed. Is it merely a coincidence that the same extreme size distribution approximately describes firm and cities? Or is it the case that skew firm sizes create skew city sizes? Perhaps it is the other way round, that skew cities permit skew firms to arise? Or is it something more intertwined and complex, the coevolution of firm and city sizes, some kind of dialectical interplay of people working in companies doing business in cities? If firm sizes were not heavy-tailed, but followed an exponential distribution instead, say, could giant cities still exist? Or if cities were not so varied in size, as they were not, apparently, in feudal times, would firm sizes be significantly attenuated? In this talk I develop the empirical foundations of this puzzle, one that has been little emphasized in the extant literatures on firms and cities, probably because these are, for the most part, distinct literatures. I then go on to describe a model of individual people (agents) who arrange themselves into both firms and cities in approximate agreement with U.S. data.
Computational Social Science Research Colloquium /
Colloquium in Computational and Data Sciences
Maciej Latek, Chief Technology Officer, trovero.io./
Ph.D. in Computational Social Science 2011
George Mason University
Industrializing multi-agent simulations:
The case of social media marketing, advertising and influence campaigns
Friday, October 12, 3:00 p.m.
Center for Social Complexity, 3rd Floor Research Hall
All are welcome to attend.
Abstract: System engineering approaches required to transition multi-agent simulations out of science into decision support share features with AI, machine learning and application development, but also present unique challenges. In this talk, I will use trovero as an example to illustrate how some of these challenges can be addressed.
As platform to help advertisers and marketers plan and implement campaigns on the social media, trovero is comprised of social network simulations for optimization and automation and network population synthesis used to preserve people's privacy while maintaining a robust picture of social media communities. Social network simulations forecast campaign outcomes and pick the right campaigns for given KPIs. Simulation is the only viable way to reliably forecast campaign outcomes: Big data methods fail to forecast campaign outcomes, because they are fundamentally unfit for social network data. Network population synthesis enables working with aggregate data without relying on data sharing agreements with social media platforms that are ever more reluctant to share user data with third parties after GDPR and the Cambridge Analytica debacle.
I will outline how these two approaches complement one another, what computational and data infrastructure is required to support them and how workflows and interactions with social media platforms are organized.
Computational Social Science Research Colloquium /
Colloquium in Computational and Data Sciences
J. Brent Williams
Founder and CEO
Euclidian Trust
Improved Entity Resolution as a Foundation for Model Precision
Friday, November 2, 3:00 p.m.
Center for Social Complexity, 3rd Floor Research Hall
All are welcome to attend.
Abstract: Analyzing behavior, identifying and classifying micro-differentiations, and predicting outcomes relies on the establishment of a core foundation of reliable and complete data linking. Whether data about individuals, families, companies, or markets, acquiring data from orthogonal sources results in significant matching challenges. These matching challenges are difficult because attempts to eliminate (or minimize) false positives yields an increase in false negatives. The converse is true also.
This discussion will focus on the business challenges in matching data and the primary and compounded impact on subsequent outcome analysis. Through practical experience, the speaker led the development and first commercialization of novel approach to "referential matching". This approach leads to a more comprehensive unit data model (patient, customer, company, etc.), which enables greater computational resolution and model accuracy by hyper-accurate linking, disambiguation, and detection of obfuscation. The discussion also covers the impact of enumeration strategies, data obfuscation/hashing, and natural changes in unit data models over time.


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93311 Rental Homes and Apartments for Rent
Search rentals in 93311. At RentalGuide.net, we have comprehensive rental listings to help you find 93311 apartments for rent. You can also find rental houses and condos. Click on a listing to view details, or refine your search for 93311 apartments to search by price, beds and other criteria.


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Robert Walter
Margaret "Peggy" Walter
Dec 17, 2010
From staff reports
Ohio University President Roderick J. McDavis announced today that Robert D. and Margaret (Peggy) Walter and the Walter Family Foundation will commit a $10 million gift to The Ohio University Foundation.
The Walters both graduated from Ohio University in 1967, Robert Walter with a bachelor of science in mechanical engineering and Margaret Walter with a bachelor of fine arts. Robert Walter earned his master's degree in business administration from Harvard Business School in 1970, and received an honorary doctorate from Ohio University in 1997. He is the retired chairman and CEO of Cardinal Health in Columbus, Ohio, a company he founded in 1971 at the age of 26. He served on Ohio University's Board of Trustees from 1997 until 2005.
"It is gratifying to support our alma mater in this way," said Robert Walter. "We understand the important role that donor support will play in fulfilling the University's mission and achieving its vision. This gift will help the University enhance the student experience by supporting academic and co-curricular activities."
Robert Walter currently serves on Ohio University's Promise Lives Campaign Steering Committee, which is leading the effort to raise $450 million in support of Ohio University students, faculty, staff and programs.
The Walters have directed this $10 million gift to support the development and construction of a new multipurpose center and renovations in the Convocation Center on the Athens campus.
President McDavis will appoint a campus-wide committee to provide input on programming and functions for the multipurpose center, which will be used for activities including student life, academics, intramurals, intercollegiate athletic practices, and rehearsals for The Marching 110. Additional fundraising efforts to complete the project are under way at this time.
"We thank Bob and Peggy Walter for their continued generosity to Ohio University. Their leadership gift will greatly benefit students on our Athens campus," said President McDavis. "As we continue to elevate the student experience, it is important that we have the facilities to foster our students' learning and growth. This lead gift will help us do that as we strive to provide the best student-centered learning experience in the country."
The Walters are generous supporters of Ohio University. In addition to their numerous volunteer activities, their $5 million gift during the Bicentennial Campaign supported the construction of Margaret M. Walter Hall. In addition, the Walter Family Foundation committed $2 million in 2008 for the purchase and renovation of 15 Park Place, which is nearing completion and will house the Walter International Education Center.
In 2008, Cardinal Health made a $2 million gift to Ohio University in honor of Robert Walter at the time of his retirement. Mr. Walter advised that this gift be used to create the Walter Center for Strategic Leadership, which was formally dedicated earlier this year in Ohio University's College of Business.


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Everybody's yapping about Google+ this and Google+ that; how it'll be a Facebook killer, how it's growing faster than Twitter — blah blah blah. Yet, once people are invited, they're all like "Now what? So, what can I do on it?" This funny video explains why people are loving Google+.
Created by Break, the "Google+ Song" is a parody of Queen's "Another One Bites The Dust" classic and actually does an excellent job at highlighting why Google+'s "Circles" is its killer feature.
Personally, I'm still not a complete convert yet, but I am starting to dig Google+ a little more than Facebook with each passing day.
U.S. & World
News from around the country and around the globe
Copyright DVICE - DVICE


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Brazil businessman Eike Batista has seen better days.
Last March the Brazilian commodities tycoon ranked as the world's eighth richest person with a net worth of $34.5 billion. His net worth today: $200 million, according to Bloomberg Billionaires.
Related: Facebook Surges and Mark Zuckerberg Pockets $3.8 Billion
Batista, who has been called the Donald Trump of Brazil, may have suffered one of the "worst wealth losses in history," says Bloomberg Billionaires Index Editor Matt Miller. "He was the face of Brazilian capitalism. He's mired in debt. This is a tragic fall for him."
Most of Batista's problems stem from the erosion of nearly 90% of the value in his flagship company, OGX Petroleo & Gas Participacoes SA (OGXP3). Shares in the business have plummeted in the last year as the company missed targets for production output and reserves.
Related: Are Billionaires Just Smarter Than the Rest of Us?
On Thursday, Mubadala Development Co., a sovereign-wealth fund out of Abu Dhabi, converted an investment in Batista's companies into debt, further eroding the value of his overall assets. EBX Group Co., Batista's commodities empire, now owes $1.5 billion to Mubadala. And that put Batista over the edge, reducing his personal wealth to millions, not billions anymore. Miller says Batista "tended to oversell the amount of resources it had," and that Batista would have to "constantly borrow against one company to pay for the needs of others."
Unlike billionaires Bill Gates and Warren Buffett, Batista was ostentatious about his wealth, even declaring that he would overtake Mexico's Carlos Slim for the world's richest person title by 2015. He told Bloomberg: "Just give me time, let me work please."
What was behind his ambition?
"I suffered very heavy asthma, so my mother threw me in the cold swimming pool," Batista said. "So I cured my asthma through discipline, and I saw that you could achieve things by performing, and it's part of my DNA… I'm very competitive."
Well, Batista now has one year and five months to earn back $66.8 billion.
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Zac Efron Goes Shirtless + Kisses Fan at 2014 MTV Movie Awards [PHOTOS]
Thank you, Rita Ora. Zac Efron and his sun-kissed abs in 'That Awkward Moment' may have won him the golden bucket of popcorn for Best Shirtless Performance at the 2014 MTV Movie Awards, but it was the blonde British singer who gave us all a treat by ripping off his blue button-down shirt to reveal his award-winning body at the awards ceremony.
"Thank you so much guys. This is an awesome award," Efron said humbly. "I don't really know what to say, but thank you."
But all humility soon went out the door after Ora had a hand with the undressing. The hunky actor soon took his entire shirt off and swung it around cowboy-style before just standing onstage and letting us all take in a piece of that eye candy.
And when presenting the award for Best Kiss, one lucky audience member actually got to lock lips with the beauty that is Efron, kissing him multiple times and even leaving a lasting lipstick mark on his lips. (We'll try and ratchet down our jealousy!) Feast your eyes on photos and a video of shirtless Zac below.
Watch Rita Ora Take Off Zac Efron's Shirt


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Product information
What is Adobe® InDesign® Server?
Adobe InDesign Server software is a layout and composition engine that powers automated publishing solutions. Based on InDesign software, it offers the ability to automate the design, layout, and typographical capabilities of the desktop application through scripting and plugins and by integrating into others systems such as publishing workflow, digital asset management or product information management systems.
InDesign Server is a proven and tested application with an extensive network of Adobe partners and developers that have created solutions that help customers increase return on investment (ROI) in many ways, including:
● Automating repetitive processes
● Increasing the effectiveness of marketing campaigns by automating the creation of brand assets
● Integrating into portals and websites to allow marketers or consumers to modify InDesign templates through a web browser to localize, translate or customize without having to use InDesign
● Automating the creation of many document types such as catalogs, brochures and longer structured documents by connecting to data sources such as DAM, PIM or eCommerce systems
Is InDesign Server compatible with InDesign for desktop?
Adobe releases a new version of InDesign Server shortly after every desktop release. If your solution requires that InDesign files be compatible between desktop InDesign and InDesign Server, we recommend that customers first determine what version of InDesign desktop they are using or will be using in this workflow.
Version numbers of InDesign Server and InDesign desktop should match for optimum compatibility. To find the current version of your InDesign desktop version, do the following in InDesign: InDesign > About InDesign.
To find what version of InDesign Server is currently available, visit the tech specs page.
How does InDesign Server integrate with an existing Creative Cloud workflow?
If your company uses software, such as InDesign, InDesign Server can import content from many of those desktop applications. InDesign Server can also export content in a number of formats used by Creative Cloud components.
How does InDesign Server differ from Adobe InDesign and InCopy® software?
InDesign Server is based on the desktop version of InDesign, but there are important differences:
● InDesign Server has no built-in user interface.
● Like InDesign , InDesign Server can be driven through scripting and C++ plug-ins. However, InDesign Server can also be driven through a SOAP interface or Java™ APIs.
● Solutions powered by InDesign Server can scale as requirements change, with support for multiple instances running on multiple servers.
● InDesign Server has been rigorously tested to help ensure that it delivers long periods of continuous uptime.
● InDesign Server has been designed and tested to work on the server versions of the Windows® and Mac OS operating systems.
InCopy, also based on InDesign , is a copyediting and copyfitting tool for use in publishing workflows. While InDesign Server does not replace InCopy, it can provide similar functionality in an automated publishing solution, often in the form of a web-based editor. These solutions can exist on their own or as part of a desktop InCopy workflow.
What kinds of output can be generated from InDesign Server?
InDesign Server provides the same export capabilities as InDesign and can export to a number of formats, including INDD, PDF, EPUB, EPS, PostScript®, FLA, JPEG, XHTML, SWF, IDML, and InDesign snippets.
What are the minimum system requirements for running the InDesign Server engine?
You can find the system requirements for the InDesign Server engine on the tech specs page.
What's the difference between InDesign Server and an automated publishing solution powered by InDesign Server?
InDesign Server is a layout and composition engine. Only by combining it with other software components can you build an end-to-end automated publishing solution. Many DAM, PIM and Publishing workflow systems vendors provide integration with InDesign Server
What is web to print?
Web to print refers to solutions in which customers use a web browser to modify a template created in InDesign through a simplified web interface. This allows non-designers to customize, personalize or translate InDesign files. There are a number of B2C solutions developed by printers and B2B solutions for brand collateral
What is Variable Data Publishing?
Variable Data Publishing (VDP) refers to solutions that use database information to automatically populate templates and create many versions of the same document, each intended for a different person. InDesign Server is used to power many of VDP solutions and can scale to meet higher volume production requirements.
How does Adobe support InDesign Server?
Adobe provides a number of developer resources at our I/O site. The SDK for InDesign and InDesign Server are essentially the same. Scripts developed on desktop can then be run on server. Many developers start on the desktop.
This blog answers a number of questions on how to get started with InDesign Server.
Adobe offers developer support through our Exchange program, which is designed for those developing solutions and allows for the purchase of support cases as needed.
What skills do I need to develop my own automated publishing solution?
You should have a track record of building publishing solutions and a working knowledge of some of the following: C++, scripting, SOAP, and XML. Ideally, you should also have some experience developing for the desktop version of InDesign so that you understand the challenges associated with automated publishing.
InDesign Server also includes support for IDML, which allows you to represent the complete richness of an InDesign document in a published XML format. This provides new opportunities for developers who have experience creating and manipulating XML. Using IDML, you can build a large portion of a solution without InDesign scripts or plug-ins. Once you have created an IDML document, you can then use InDesign or InDesign Server to render the document into an InDesign file format, such as INDD or PDF.
Where can I get further information if I want to develop my own solution?
Contact Adobe Sales or contact a member of the InDesign Server team directly at email@example.com, for more information on developing a custom InDesign Server solution.
What languages does InDesign Server support?
InDesign Server supports the same languages as Desktop. For supported languages, see the InDesign Server tech specs.
Is InDesign Server scalable?
InDesign Server can scale to the requirements of individual businesses. Depending on the license you have purchased, you can run a single instance on a single processor or multiple instances on multiple cores or servers.
Is there a trial version of InDesign Server?
Yes, Adobe offers a free, fully functional, 90 day time-limited version of InDesign Server at this prerelease site. The trial version allows customers to evaluate an Adobe partner's automated publishing solution before purchase.
The trial version of InDesign Server is not the same as the developer versions. Adobe provides a watermarked version to developers free of charge if you are a member of the Technology Partner Program. Customers may purchase a Development version without watermark for testing and staging.
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
Is InDesign CC Server scalable?
What kind of documentation is available to explain the capabilities of InDesign CC Server?
What kind of documentation is available to explain the capabilities of InDesign Server?
Visit the InDesign Developer Center to find technical documentation for InDesign Server.
Will I violate the terms of the End-User License Agreement (EULA) if I use the desktop version of InDesign as a server engine?
Yes, the EULA for the desktop version of InDesign does not allow for its use as a server engine to power an automated publishing solution or to be shared by others. Use of InDesign desktop for scripting is limited to the named user that has purchased the subscription.
Are there advantages to licensing a solution or technology from another partner rather than developing from the ground up?
Building an entire solution in-house can help you manage development costs, gain expertise with InDesign Server, and retain control over the end product. However, using technology from another partner may help you lower risks, get to market sooner, and leverage the development experience of others. Adobe does not offer consulting or training so consider working with a partner unless you have expertise in house.
Does InDesign Server have built-in load balancing and queue management?
Adobe does not provide load balancing any longer. Several partners have standalone load balancing solutions available commercially.
How fast is InDesign Server?
InDesign Server is designed to be a very fast server engine that, for example, can create many thousands of PDF files in an hour. However, customers and developers should understand the difference between InDesign Server and a solution powered by InDesign Server. A solution powered by InDesign Server contains other technology and factors that have an impact on speed and scalability.
The InDesign Server SDK contains a Performance and Scalability Toolkit, which allows developers to measure the speed of InDesign Server alone and offers a way to measure the speed of InDesign Server as part of a broader publishing solution. This toolkit includes a console to monitor and report the results of these tests, as well as prebuilt scripts that enable you to run tests out of the box. The Performance and Scalability Toolkit also contains guidance on how to optimize the performance of InDesign Server.
What other resources are available to developers working with InDesign Server?
Developers may also find the Adobe Forums a useful resource. These forums provide an opportunity to post questions to other InDesign Server developers; however, they are not designed to be used to replace formal support, as there is no guarantee that a question will be answered.
Developers new to InDesign Server may want to consider engaging with other partners who can provide support, guidance, or even development consultancy for a fee. A list of InDesign Server partners can be found in the partner finder.
What can partners do to help Adobe market their companies and solutions?
Enroll in the Exchange program. You should make sure an Adobe account manager or partner manager knows the details of your solution as it comes to market so you can be considered for inclusion in the partner finder.
What should a partner do to be considered for inclusion in the InDesign Server partner finder?
You should have a shipping product with customer references, or offer development training and support services to other partners or customers. If you are enrolled in the Exchange program already, contact the Help Desk to request your solution be listed


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What is Flash Storage?
Flash storage places digital information on solid state "flash" memory chips (i.e. What's found in a USB stick) rather than on spinning hard disks.
Flash storage definition
In the enterprise, flash storage refers to the use of solid-stage drives (SSDs) comprised of flash memory (i.e. "An All-Flash Array") for the mass storage of data or files. Flash storage offers an alternative to relying on hard disk drives (HDDs) or other media for storage. Recent advances in manufacturing have made it possible for all-flash storage arrays to hold more data per rack unit than is possible with HDDs — while performing faster input/output (I/O) operations.
Why flash storage?
Flash storage offers several advantages over traditional spinning disk media. Though still slightly more expensive on a dollar-per-gigabyte basis, flash storage enables radically faster data processing operations. An all-flash array can store multi-terabyte databases "in-memory" and deliver a read/write speed that is 4 times greater than HDDs. Flash storage is more dense than HDDs. It also tends to be less prone to failure, given its lack of moving parts.
HPE flash storage products and services
HPE offers a selection of high-performing flash storage solutions. They offer 99.9999% uptime and built-in protection and affordability for any application. Predictive all-flash storage from HPE is smart enough to eliminate issues before you even know they're there and operate with industry leading economics, including cloud-like options, for only pennies per usable gigabyte per month.
Featured all-flash arrays and hybrid storage
HPE 3PAR StoreServ
Flash-optimized storage with consistent architecture and interoperability from 2-node affordable midrange to 8-node enterprise scale and everything in between.
HPE Nimble Storage
Flash storage and the predictive analytics that deliver fast and reliable access to data, and predict and prevent issues to help deliver 99.9999% measured availability.
The hybrid storage system for applications requiring 100% data availability with no downtime.
Full featured, high performance and scalable HDD/SSD storage with modern features at an entry-level price point.
Affordable HDD/SSD entry storage that is simple to deploy and manage.
Get started with HPE flash storage
Speak with an HPE flash storage expert about putting all-flash arrays to work supporting your data management workloads.
Broschyr : Data Protection Playbook for All-Flash, Cloud-Ready Storage
Learn why data protection and retention solutions integrated with an end-to-end flash storage strategy is critical in migrating to the All-Flash Datacenter.
Analytikerrapport : Gartner Magic Quadrant for Solid-State Arrays
Get the July 2017 Gartner Magic Quadrant report that discusses the Solid State Array market, future outlook, vendor evaluations, and identifies HPE as a leader in the market.
Köpguide : Invest in the Right Flash Storage Solution
Must ask vendor questions for buyers purchasing an all flash array. Also includes data protection requirements for getting the most out of flash.


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After one custom order guinea pig (I hope you love it, Miranda!), I've decided to make custom T-shirt baby gowns a regular pumpkinbear etsy item:
Monday, March 14, 2011
They Look Better in Your Old Clothes Than You Do
2 comments:
- Big mamma frog said...
These look fab (sadly all my kids are too big now).
I'd have kept the Green Day t-shirt for me!
- March 14, 2011 at 5:13 PM
- Miranda Jacobs said...
We LOVE it!! I realized, when we got it on him, that once he's too tall for it, I can just slip the elastic out and he'll still be able to wear it with some sweatpants.
I'll definitely be ordering more when we can. =D Thanks so much!!
- March 14, 2011 at 8:47 PM
Subscribe to: Post Comments (Atom)


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SOUTH BEND, Ind. — Not once but twice after he supposedly discovered his online girlfriend of three years never even existed, Notre Dame All-America linebacker Manti Te'o perpetuated the heartbreaking story about her death.
An Associated Press review of news coverage found that the Heisman Trophy runner-up talked about his doomed love in a Web interview Dec. 8 and again in a newspaper interview published Dec. 10. He and the university said Wednesday that he learned Dec. 6 that it was all a hoax, that not only wasn't she dead, she wasn't real.
On Thursday, a day after Te'o's playing-through-heartache story was exposed as a bizarre falsehood, Te'o and Notre Dame faced questions from sportswriters and fans about whether he really was duped, as he claimed, or whether he and the university were complicit in the hoax and misled the public, perhaps to improve his chances of winning the Heisman Trophy.
On Wednesday, Te'o and Notre Dame athletic director Jack Swarbrick said the player was drawn into a virtual romance with a woman who used the phony name Lennay Kekua, and was fooled into believing she died of leukemia in September. They said his only contact with the woman was via the Internet and telephone.
Te'o also lost his grandmother — for real — the same day his girlfriend supposedly died, and his role in leading Notre Dame to its best season in decades endeared him to fans and put him at the center of college football's biggest feel-good story of the year.
Relying on information provided by Te'o's family members, the South Bend Tribune reported in October that Te'o and Kekua first met, in person, in 2009, and that the two had also gotten together in Hawaii, where Te'o grew up.
Te'o never mentioned a face-to-face meeting with Kekua in public comments reviewed by the AP. And an AP review of media reports about Te'o since Sept. 13 turned up no instance in which he directly confirmed or denied those stories — until Wednesday.
Among the outstanding questions Thursday: Why didn't Te'o ever clarify the nature of his relationship as the story took on a life of its own?
Te'o's agent, Tom Condon, said the athlete had no plans to make any public statements Thursday in Bradenton, Fla., where he has been training with other NFL hopefuls at the IMG Academy.
Notre Dame said Te'o found out that Kekau was not real through a phone call he received at an awards ceremony in Orlando, Fla., on Dec. 6. He told Notre Dame coaches about the situation on Dec. 26.
The AP's media review turned up two instances during that gap when the football star mentioned Kekua in public.
Te'o was in New York for the Heisman presentation Dec. 8 and, during an interview before the ceremony that ran on the WSBT.com, the website for a South Bend TV station, Te'o said: ''I mean, I don't like cancer at all. I lost both my grandparents and my girlfriend to cancer. So I've really tried to go to children's hospitals and see, you know, children.''
In a story that ran in the Daily Press of Newport News, Va., on Dec. 11, Te'o recounted why he played a few days after he found out Kekau died in September, and the day she was supposedly buried.
''She made me promise, when it happened, that I would stay and play,'' he said.
On Wednesday, Swarbrick said Notre Dame did not go public with its findings sooner because it expected the Te'o family to come forward first. But Deadspin.com broke the story Wednesday.
Reporters were turned away Thursday at the main gate of IMG's sprawling, secure complex.


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|kasni flower
the dandelion family Asteraceae, usually with bright blue flowers, rarely white or pink.Chicory, more precisely chicory root (Cichorium intybus), grows all over the world .It has been recorded in Kashmir between an altitude range of 4000-5000 metres.
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Main Menu
Lip Range
Our lipsticks stay on and are comfortable to wear
I only wear L'Paige Lipstick. The price is spot-on and there's a range of fabulous colours. I used to suffer a lot from cold-sores and dry, cracked lips. No longer. The way L'Paige makes my lips feel is amazing. It stays on longer than any other lipstick I have worn and I like the fact that it contains natural ingredients and aloe vera. Even after eating a hot meal I may lose a little of the top glossy coat but the base colour still remains. I can dine out with confidence now, thanks to L'Paige. More importantly though, my lips remain cold-sore free and are no longer cracked and dry. I wear L'Paige Lipstick every day because their range even contains a clear one for those days when you just want to be make-up free. It is so moist, it protects my lips and makes them feel great, just like the coloured ones. I can't imagine life without my L'Paige Lipsticks now.
Jacky Ryan. Roma, Qld.
L'Paige lipsticks are nice and moist and they don't feather and bleed into the fine lines around the mouth. The price - $21.95 per tube - is most affordable and I sell a good deal of the lipsticks in my shop "Pure and Simple Homewares". The lipsticks last extremely well and I don't need to re-apply as often as I would with other brands. I wear the Black Changeable often and my little grandson calls it "Nanna's magic lipstick".
Linda, "Pure and Simple Homewares", Highfields, Qld.
I had a problem around my lips until I started wearing L'Paige Lipstick. I now wear nothing but L'Paige lipsticks and lip liners. It is a really moist and comfortable lipstick and I love it.
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I wear L'Paige Lipstick and as I am constantly dealing with store customers I am most impressed at how well it lasts and how moisturising it is. I particularly like No. 45 "Icy Mauve".
Kathryn, Healthy Life, East Devonport, Tas.
Peach Nectar #49
"Peach Nectar" - warm and earthy peach tones, as its name suggests.
L'Paige aloe vera lipsticks are sold in health food stores and gift shops throughout Australia and with consumers becoming so aware of lead in lipstick, the fact that L'Paige lipsticks do not contain lead, aluminium, tin or petroleum distillates and they are not animal-tested, makes them most appealing. They are also gluten-free. The aloe vera combined with beeswax makes these lipsticks extremely moisturising and comfortable to wear and on top of all of this they are long lasting which most ladies are wanting in a lipstick.


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Who Marries A Video Game? Guy In Japan Becomes The First-Ever To Marry A Video Game Character In Japan Nintendo DS "Love Plus"! (Footage Of The Ceremony Marrying The Anime Chick)
What can she do?
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Marshall Tracht
Professor of Law
Marshall Tracht is the founder and Director of the LL.M. Programs in Real Estate and in American Business Law. His current courses include Real Estate Transactions and Finance; Bankruptcy; Workouts, Foreclosures and Bankruptcy; and Introduction to American Law. He was a tenured faculty member at the Hofstra University School of Law, where he served as Vice Dean from 2001 to 2006, before joining NYLS in 2008.
Professor Tracht is the author of Construction and Development Financing (3d ed. 2001) (with Alvin Arnold) and Land Transfer & Finance: Cases and Materials (6th ed. 2011) (with Quintin Johnstone and Curtis Berger). He is a member of the editorial board of The Banking Law Journal, a contributing editor to the Real Estate Law Report, and has written extensively in the areas of real estate development and construction financing, workouts, and bankruptcy. His articles have appeared in the Cornell Law Review and Vanderbilt Law Review, among others, and is a recipient of the Grant Gilmore Award for excellence in legal scholarship in the commercial law field.
Professor Tracht has an ongoing interest in innovation in legal education, including on-line instruction, assessment practices and skills training for transactional practice. "Traditionally, law schools have focused on litigation and regulation, not the business knowledge and the negotiation and counseling skills needed by transactional lawyers," he says. "That's what we're changing." He has participated in numerous accreditation and site visits on behalf of the ABA and the Association of American Law Schools, is a former Chair of the AALS Section on Post-Graduate Legal Education, and he is currently working with a committee of the ABA Section on Legal Education on a report on recent developments in law school curricula.
Before going into academia, Professor Tracht practiced in the real estate and bankruptcy groups at Arnold & Porter LLP in Washington, D.C., and clerked for the Honorable S. Martin Teel, Jr., of the U.S. Bankruptcy Court for the District of Columbia. He holds his J.D. and M.B.A. degrees from the University of Pennsylvania School of Law and The Wharton School, and his B.A. from Yale University.
Land Transfer and Finance: Cases and Materials, (Aspen Law & Business, 6th ed. 2011) (with Quintin Johnstone and the late Curtis Berger)
Construction and Development Financing, (West Group, 3rd ed. 2001) and semi-annual updates (with Alvin Arnold)
Chapter 46, Suretyship in Theodore Eisenberg, Debtor-Creditor Law (Matthew Bender 2012)
Chapter 45: Guaranty in Theodore Eisenberg, Debtor-Creditor Law (Matthew Bender 2005)
Co-Ownership and Condominium, II Encyclopedia of Law and Economics 62-89 (Edward Elgar, 2000)
Workouts, Foreclosure and Bankruptcy, Chapter 11 in Alvin L. Arnold, Real Estate Investor's Deskbook (3d ed., 1994)
Contributing Editor, MORTGAGE AND REAL ESTATE EXECUTIVES REPORT (May 2010 – present).
Contributing Editor, REAL ESTATE LAW REPORT (1993 – present).
Can a Debtor's Exempt Assets Be Surcharged as a Sanction for Misconduct? (Law v. Siegel), 41 PREVIEW OF UNITED STATES SUPREME COURT CASES 196-200 (2014)
Does "Defalcation" by a Fiduciary, Rendering a Debt Nondischargeable, Include Unknowing Breach of the Duty of Loyalty? (Bullock v. Bank Champaign, N.A.), 40 PREVIEW OF UNITED STATES SUPREME COURT CASES 267-269 (2013).
Leasehold Recharacterization in Bankruptcy
RadLAX Gateway Hotel, LLC v. Amalgamated Bank
Sale-Leaseback Recharacterization: A Return to First Principles (work in progress)
Can a Secured Creditor Be Denied the Right to Credit Bid When the Creditor's Collateral Is Sold Pursuant to a Chapter 11 Plan of Reorganization?, 39 ABA S.Ct. Preview 248 (2012)
Godzilla Lives! Or, Nonrecourse Carveouts Run Amok, 8 J. Bankr. L. 195 (2012)
Freeman v. Quicken Loans, Inc., 39 ABA S.Ct. Preview 202 (2012)
Single Asset Real Estate and Development Projects: The Kara Homes Mistake, 127 Banking L.J. 258 (2010)
Lawyers and Lenders Sanctioned, Mortgage & R.E. Exec. Report, Vol. 41, No. 7 (June 1, 2008)
Patenting a Business or Legal Strategy, Mortgage & R.E. Exec. Report, Vol. 40, No. 8 (June 15, 2007)
OCC Rulings on Real Estate Projects Spark Furor, Mortgage & R. E. Exec. Report, Vol 38, No. 24 (February 15, 2006)
Drafting an Effective Arbitration Clause, in Alvin L. Arnold and Jeanne O'Neill, Real Estate Leasing Practice Manual (Thomson/West 2002)
Arbitration of Truth-in-Lending-Act Claims, 118 Banking L.J. 3 (2001)
Will Exploding Guaranties Bomb?, 117 Banking L.J. 129 (2000)
Insider Guaranties in Bankruptcy: A Framework for Analysis, 54 U. Miami L. Rev. 601 (2000)
Renegotiation and Secured Credit: Explaining the Equity of Redemption, 52 Vand. L. Rev. 599 (1999)
Supreme Court Restricts New Value Exception, Mortgage & R.E. Exec. Report, Vol. 32, No. 8 (June 15, 1999)
Useful Sites on the Internet, 14 R. E. Fin. J. 64 (1998)
Bankruptcy Review Commission Recommendations, Mortgage & R.E. Exec. Report, Vol. 30, No. 23 (Feb. 1, 1998)
Contractual Bankruptcy Waivers: Reconciling Theory, Practice, and Law, 82 Cornell L. Rev. 301 (1997)


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Adorable Turkey shirt. Great for Thanksgiving! Features great colors for this Fall.
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The HornetQ REST Interface allows you to leverage the reliability and scalability features of HornetQ over a simple REST/HTTP interface. Messages are produced and consumed by sending and receiving simple HTTP messages containing the XML or JSON (really any media type) document you want to exchange.
Other than being buzzword compliant here are some of the reasons you might want to use the HornetQ REST Interface:
Usable by any programming language that has an HTTP client library.
Zero client footprint. We want HornetQ to be usable by any client/programming language that has an adequate HTTP client library. You shouldn't have to download, install, and configure a special library to interact with HornetQ.
No envelope (i.e. SOAP) or feed (i.e. Atom) format requirements. You shouldn't have to learn, use, or, most importantly parse a specific XML document format in order to send and receive messages.
Lightweight interoperability. Since interactions are RESTful the HTTP uniform interface provides all the interoperability you need to communicate between different languages, platforms, and even messaging implementations that choose to implement the same RESTful interface as HornetQ.
HornetQ REST Features
- Duplicate detection when producing messages
- Pull and Push consumers
- Acknowledgement and Auto-acknowledgement protocols
- Create new queues and topics
- Mix and match JMS and REST producers and consumers
- Simple transformations
Follow the links on the HornetQ REST Interface page to download, read doco, view examples, or to browse the source code.


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General FAQ
Parish/School/Ministry/Not-for-Profit FAQ
Giving/Donor FAQ
Preguntas Frecuentas - Spanish Translation
Arch/Diocese Partner Contacts
About Us
Celebrated annually on the Tuesday following Thanksgiving, Black Friday, and Cyber Monday, #iGiveCatholic is an online giving day that kicks off the charitable season and brings the Catholic community together to give thanks and give back. As the first-ever online giving day created to celebrate our unique Catholic heritage, #iGiveCatholic inspires faithful stewards to "Give Catholic" on #GivingTuesday, a global day of giving.
Declared "the most successful Catholic crowdfunding event to date" by the National Catholic Register, the goal of the #iGiveCatholic Giving Day is to rally our Catholic community in support of the organizations that shape our souls: Our parishes, schools, and nonprofit ministries. Secure, tax-deductible donations to eligible Catholic organizations located in participating dioceses will be accepted at iGiveCatholic.org during a 24-hour period on #GivingTuesday, December 3.
In 2018, the fourth year of the campaign raised more than $5.6 million for 2,500+ participating parishes, schools, and nonprofit ministries representing 29 dioceses across the country. At the close of the 24-hour giving period, the number of online contributions totaled more than 28,000 gifts from 48 states and 6 countries, including Afghanistan, Belgium, Canada, Hong Kong, Mexico, and Puerto Rico.
#iGiveCatholic is a bishop-led initiative in partnership with lay leaders in Catholic philanthropy.
Directors: Most Rev. Gregory M. Aymond, Most Rev. Wilton D. Gregory, and Most Rev. Joseph R. Kopacz
Officers: Cory J. Howat (president), Scott Whitaker (vice-president), and Regina Templet (secretary/treasurer)
Staff: Julie Kenny (national program director)
Senior Advisors: Josephine Everly and Callie Combs Kamath
General Frequently Asked Questions
Q. What is #iGiveCatholic?
#iGiveCatholic is an online giving event that provides our Catholic parishes, schools, and nonprofit ministries the opportunity to connect with their current donors and establish relationships with new donors.
It is also an opportunity for Catholics to affirm our faith as disciples of Jesus Christ by sharing our gifts out of love for God and one another. The goal of #iGiveCatholic is to inspire the Catholic community to come together as faithful stewards and to "Give Catholic" on #GivingTuesday, a global day dedicated to giving back.
Q. Who can participate in the #iGiveCatholic Giving Day?
Parishes, schools, and nonprofit ministries affiliated with a participating diocese are eligible to participate in the #iGiveCatholic Giving Day. Please consult your dioceses' point person for more information.
When is #iGiveCatholic?
This year, #iGiveCatholic takes place on Tuesday, December 3, from 12:00 AM to 11:59 PM CST.
Q. How does it work?
#iGiveCatholic is an online platform with searchable profiles of participating parishes, schools, and nonprofit ministries from participating dioceses. All donations will be processed through iGiveCatholic.org. Anyone can donate to his or her favorite ministry on Tuesday, December 3, from midnight until 11:59 PM CST. Participating organizations and donors can track event progress via leaderboards.
Q. Why host a day of Catholic giving on #GivingTuesday?
We have a day for giving thanks, or Thanksgiving. We have two days for purchasing gifts for loved ones – Black Friday and Cyber Monday. And now we have #GivingTuesday, a global day dedicated to giving back out of gratitude for all we have received.
On Tuesday, December 3, 2019, individuals and organizations around the world will come together for one common purpose: To celebrate generosity, live generously and to give.
For Catholics, generosity and giving have a profound meaning. As we reflect with grateful hearts on how blessed we are, we naturally want to give back to God from our deep sense of gratitude. Compelled to action by our grateful compassion, we unite on this #iGiveCatholic giving day, sharing what we have to feed the hungry, clothe the naked, give shelter to the homeless, and preserve our Catholic heritage for future generations.
Q. How can I stay up to date on what's happening?
News and updates will be posted regularly to #iGiveCatholic's social media sites:
- Facebook: https://www.facebook.com/iGiveCatholic
- Twitter: https://twitter.com/iGiveCatholic
- Instagram: https://www.instagram.com/igivecatholic/
Q. Are there sponsorship and funding opportunities?
Join us as an #iGiveCatholic Giving Day sponsor or funder. We have great opportunities for you to get involved! Email firstname.lastname@example.com to learn more.
Parish, School, Ministry, Not-for-Profit FAQs
Q. What organizations are eligible for #iGiveCatholic?
All 501(c)3 parishes, schools, and nonprofit ministries affiliated with a participating diocese are eligible to participate in the #iGiveCatholic Giving Day. Please consult your diocesan contact person for more information.
Q. What does it cost a parish/school/ministry/not-for-profit to participate in #iGiveCatholic?
It costs nothing to participate. #iGiveCatholic is a gift to the community.
Q. How do I register my organization to participate?
Eligible organizations in participating dioceses must activate their account online by logging onto iGiveCatholic.org via the email confirmation sent from GiveGab on August 19.
In this email, you will find a prompt that will allow you to access your #iGiveCatholic "Admin Dashboard" on GiveGab to begin customizing your #iGiveCatholic profile. Be sure to select the prompt in your email to properly activate your account!
Online registration will close October 31. #iGiveCatholic utilizes an "opt-out" format. If an organization does not wish to participate in the giving day, please let your diocese's point person know ASAP or by that date.
Questions? How-to articles on registering and completing your profile are located on the Resources page and throughout GiveGab's support center. We also recommend utilizing the blue chat bubble in the bottom right-hand corner of the web page.
Q. How will organizations train?
Two live training webinars will be offered on August 27 and November 5 at 2:00 pm CST. Additionally, a series of recorded training webinars will be maintained on iGiveCatholic.org. We strongly advise that you participate in or view these webinars as they will help guide you in a successful giving day. Additional training might be offered by participating dioceses. Please consult your diocesan contact person for more information.
Q. When will my organization receive its donations?
If you indicate a bank account number in your online registration profile, your organization will receive all donations via ACH distribution within 5 business days. If your organization is being sponsored by your diocese, meaning you do not have a viable bank account with which to receive funds via ACH or your diocese has indicated that it will accept donations for disbursement to its participating organizations, you will be sent your donations via check within 60 days of the giving day.
Q. Does my organization need to send letters to donors for their tax deduction?
No. Donors immediately receive an email from #iGiveCatholic confirming their gift. Note that all donations must be 100% tax deductible (no additional benefits.) However, this tax deduction form is not a "thank you." By registering to participate in #iGiveCatholic, organizations agree to acknowledge donations within seven working days. Participants may contact donors through any medium they like, including thank you letters, phone calls, or social media "shout outs."
Q. Will my organization receive donor information for acknowledgements?
Yes. You will have access to donor information during the giving day via a donations table that can be accessed in your "Admin Dashboard" and downloaded to a .CSV file. To log in to your Admin Dashboard, go to iGiveCatholic.org and click "Menu" in the top right hand corner of the page. A drop down menu will appear. Click "Log In" to enter your email and password. For more detailed step-by-step directions, click to read the support article here.
Participants should acknowledge donations by following up with donors within seven working days of the giving day.
Q. How can I stay up to date on what's happening?
News and updates will be posted regularly to #iGiveCatholic's social media sites:
- Facebook: https://www.facebook.com/iGiveCatholic
- Twitter: https://twitter.com/iGiveCatholic
- Instagram: https://www.instagram.com/igivecatholic/
Q. I have questions - who can answer them?
#iGiveCatholic has partnered with the giving day platform, GiveGab. On the iGiveCatholic.org website, use the blue chat bubble on the bottom right-hand corner of any page to ask questions. You can also email firstname.lastname@example.com.
Giving/Donor FAQs
Q. Who can donate?
Anyone can donate! Because it is so much easier for people to give online to their favorite ministry from wherever they are in the world, most people will donate by this method. However, donors are welcome to bring a donation by cash or check to their parish, school, or nonprofit ministry and the gift can still be entered and included in the leaderboard totals viewed online. Ministry administrators are responsible for adding offline donations to their totals as they are received. Donations via check or cash can be manually entered by organizations in their Admin Dashboard either as an offline gift or as a matching fund. Donor-Advised Fund holders at participating diocesan foundations may recommend grants from their funds as their #iGiveCatholic donation.
Q. What forms of donations are accepted?
MasterCard, Visa, Discover, and American Express donations will be accepted through the #iGiveCatholic website on #GivingTuesday, December 3. In addition, donors giving $100 or more will have the option to pay by bank account debit (ACH).
Q. I will not have access to the internet on #iGiveCatholic giving day. Is there another time I can give?
Yes. For the convenience of donors, gifts may be made in advance for #iGiveCatholic. Between November 18 and December 2, a donor can go to iGiveCatholic.org to make a gift. Advanced gifts will be charged at the time of donation and credited to the participating organization's leaderboard during the giving day.
Q. Are gifts tax-deductible?
Yes. All donations are tax-deductible and irrevocable and will be for the designated use of your chosen charity.
Q. Do donors receive a tax receipt from the school, parish, ministry, or not-for-profit?
Online donors will immediately be sent an automatic tax receipt for their gift via email from #iGiveCatholic. Donors will also be thanked by the organizations they supported within one week. If you do not receive an email receipt, check your email "spam" folder, or you can go back into your account and reprint one.
Q. Is there a minimum gift?
Yes. The minimum online donation is $25.
Q. Is there a maximum gift?
No, there is no maximum donation.
Q. Can a donor give to multiple organizations?
Yes! Donors have the option of visiting the different organization profile pages of the organizations they wish to donate to and make separate donations all in one transaction through the Gift Basket option.
Q. What if I can't find my favorite nonprofit on the website?
If you can't find them on the iGiveCatholic.org website, they are not participating in #iGiveCatholic this year.
Q. May I pay a pledge with my gift?
No, the #iGiveCatholic giving day is designed to generate new gifts.
Q. May I designate how a school, parish, ministry or not-for-profit uses my gift?
#iGiveCatholic giving day gifts are considered unrestricted gifts to the designated school, parish, or nonprofit ministry unless a particular project is designated by the participating organization.
Q. Are there fees associated with donations to #iGiveCatholic?
All donations will be paid to the chosen ministry net the platform, ACH, and/or credit card transaction fees. ACH fees total 4% plus $3.00. Credit card fees total 6.2% plus $0.30. Donors have the option to cover these fees at the time of donation, and they will receive a tax deduction on the full donation amount.
Q. Can I make my donation using my cell phone?
Yes. You can use a smartphone that allows you to make a credit/debit card purchases. Launch the web browser and visit iGiveCatholic.org to donate from your smartphone.
Q. May I use my #iGiveCatholic giving day donation to buy event tickets, museum memberships or other things that provide me a benefit?
No, donations may not be used to pay for anything that might be perceived as a material benefit to the donor including dinner tickets, membership fees, golf fees, admission tickets, raffle tickets, event sponsorships, or other benefits.
Q. What if I notice a transaction error?
Donors who notice a credit card transaction error must notify #iGiveCatholic by emailing firstname.lastname@example.com within 30 days.
Q. I have questions - who can answer them?
#iGiveCatholic has partnered with the giving day platform, GiveGab. On the iGiveCatholic.org website, use the blue chat bubble on the bottom right-hand corner of any page to ask questions. You can also email firstname.lastname@example.com.
Diocesan Contacts
Questions for the #iGiveCatholic Giving Day Team. Please contact the following individuals in your foundation or at your arch/diocese for more information:
Salvador Perez,
Director of Advancement Office
Laurie Evans-Dinneen
Director Office of Stewardship and Development
Juliet Greco
Director of Major and Planned GivingThe Catholic Foundation of North Georgia
Ryan Lopez
Director of Development Operations Department of Stewardship
Kathryn Robards
Marketing Coordinator Catholic Foundation of Northeast Kansas
Shannon Roh
Director of Development and Stewardship Office for Development
Callie Combs Kamath
Marketing and Communications Officer Catholic Community Foundation of the Archdiocese of New Orleans
Elizabeth Dominick
Office of Stewardship
Jose Santa-Maria
Development Associate
Cole Churchman
Director of Development
Margaret Kappel
Associate Director of Stewardship Stewardship and Development Office
Mark French
Director Office of Stewardship
Tammy Abshire
CFRE, Director Office of Stewardship
Dave Wyrwich
Director Office of Development
Margaret Hampton
Coordinator Office of Development
Linda Corcoran
Manager Donor Relations & Communications
Andrea Pannell
Episcopal Moderator Office of Development and Planning
Eric Haselhorst
Director Office of Stewardship
Michelle Basista
Director Office of Development Catholic Foundation of Northwest Pennsylvania
Tina Makarewicz
Director Office of Stewardship and Development
Kory Koralewski
Director Office of Stewardship and Development
Glenda Seipp
Director Stewardship and Annual Giving Services
Amy Ponson
Executive Director The Catholic Foundation of Southeast Louisiana
Rebecca Harris
Director Catholic Foundation
Allison DiGennaro
Assistant Director Stewardship and Strategic Planning
Margaret Trahan
Director Office of Development
Susan Roberts
Director Diocese of Las Cruces Foundation
Jeremy Hughes
Coordinator for School Administration Secretariat for Catholic Schools
Rachel Martinez
Director Stewardship Office
Terri Gadzinki
Executive Director Office of Stewardship and Development
Lorena Monge
Administrative Assistant Office of Development
Ashley Linville
Director Office of Development
Margaret Keightley
Executive Director Catholic Community Foundation for the Diocese of Richmond
Beth Shearer
Director Office of Stewardship and Development
Steve McKay
Finance Officer Office of Finance
Manny Aguilar
Director Office of Stewardship
John Mark Willcox
Director of Development and Public Relations Office of Stewardship and Development
Dr. Gene Aug
Director Development and Properties
Victor Mitre
Chief Development Officer Development and Stewardship