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Retail Finance round-up - 3 March 2016
- United Kingdom
- Financial institutions - Retail finance
There are now just four days to go until implementation of the Senior Managers Regime on 7 March 2016. This week the PRA and FCA each published a policy statement confirming consequential changes to notification rules and forms under the regime.
Also of interest this week is the publication of the National Audit Office's (NAO) report on financial services mis-selling: regulation and redress. In its report, the NAO has stated that the complexity of products, continuing commercial incentives to achieve sales and the difficulties in changing cultures within firms means the risk of mis-selling remains.
Finally, the government has published a Call for Evidence relating to terms and conditions and consumer protection fining powers. In this Call for Evidence the government is seeking to gain a better understanding of how terms and conditions can be made more accessible to consumers, so they actually read them. The publication also sets out proposals for introducing new powers to fine firms where they breach consumer protection and unfair terms rules.
Regulatory updates
- FCA publishes Handbook Notice No. 30
- FCA updates Mortgage Credit Directive webpage for second charge mortgage regulation
- FCA updates Mortgage Credit Directive FAQs
- PRA policy statement on PRA Rulebook: Fees Part and responses to CP40/15
- CMA working paper on corporation tax surcharge and bank levy
- FCA and PRA policy statements confirming consequential changes to notification rules and forms under the Senior Managers Regime
- PRA updates Senior Managers Regime webpage
Legislation and case law
- Bank of England and Financial Services Bill completes Committee Stage in the House of Commons
- Government consults on making terms & conditions more accessible
Industry news
- National Audit Office publishes report on financial services mis-selling: regulation and redress
- FOS publishes technical note on credit broking
- FOS publishes latest complaints data on individual financial businesses
- Bank of England publishes statistical release entitled Money and Credit: January 2016
- Complaints Commissioner urges the FCA to consider requiring firms to indicate when customers will not be covered by the FOS and the FSCS
- HM Treasury/EY report finds Britain to be the world's leading FinTech centre
- Annual contactless spending trebles to £7.75 billion
- BBA releases January 2016 figures for the high street banks
- FLA launches project to assist members dealing with vulnerable customers
Forthcoming events and training
- Financial institutions breakfast updates - 9 March 2016, Leeds & 20 April 2016, Manchester
FCA publishes Handbook Notice No.30
The FCA has published its Handbook Notice No.30 setting out changes made to the FCA Handbook under instruments made by the FCA Board on 5 and 25 February 2016.
Some of the key relevant instruments are:
- Benchmarks (Amendment No.2) Instrument 2016 (FCA 2016/8). This instrument makes final rules to create a fair, reasonable and non-discriminatory (FRAND) framework for regulated frameworks, which is effective and robust. The instrument comes into force on 1 April 2016. The FCA published a policy statement on FRAND access to regulated benchmarks on 8 February 2016.
- Handbook Administration Instrument (No.40) 2016 (FCA 2016/9). The FCA board has made minor administrative changes to various modules of the FCA Handbook to correct or clarify existing provisions. They were not consulted on because they are regarded as either falling within the scope of previous consultations, or as being so minor they do not warrant consultation. None of the changes represent any changes to FCA policy. The majority of the instrument came into force on 1 March 2016, subject to some exceptions.
- Individual Accountability (Conduct Rules) (Breaches Reporting) Instrument 2016 (FCA 2016/10). The instrument makes consequential changes to FCA rules and guidance to ensure that it reflects the latest statutory position when the senior managers and certification regime comes into force for relevant persons on 7 March 2016. The instrument came into force on 1 March 2016. The FCA consulted on this instrument in CP16/1.
- Handbook Separation (Fees) Instrument 2016 (FCA 2016/12). The instrument makes rules to create a free-standing FCA fees manual with no unnecessary references to the PRA or rules shared between the FCA and the PRA. The instrument came into force on 1 March 2016. The FCA consulted on this instrument in CP15/34.
- UKLA Fees (and Related Fees) Instrument 2016 (FCA 2016/13). The instrument makes rules to: 1) clarify the FEES manual by restructuring UKLA fees; 2) meet the FCA's treaty obligations by introducing a fee discount for mortgage intermediaries 'passporting' into the UK from other EEA states; and 3) improve management of FCA cash flow at the start of the financial year by bringing forward the date when large fee-payers make their first 'on-account' payment. Part of this instrument came into force on 1 March 2016 and the remainder on 1 April 2016. The FCA consulted on this instrument in CP15/34.
FCA updates Mortgage Credit Directive webpage for second charge mortgage regulation
The FCA has updated its webpage on the Mortgage Credit Directive (MCD). The update covers the following points:
- Firms looking to apply for authorisation in respect of second charges still have time to apply for regulated mortgage permissions.
- Interim authorised firms must apply for a new interim permission before 21 March 2016 in order to continue doing regulated mortgage business.
From 21 March 2016 (when the MCD comes into force), the regulation of second charge mortgages will move from the FCA's consumer credit regime to its mortgage regime. In the interim, the FCA cannot authorise firms but will issue "minded to authorise" letters in some instances.
FCA updates Mortgage Credit Directive FAQs
The FCA has updated its FAQs relating to the UK implementation of the Mortgage Credit Directive (2014/17/EU) (MCD).
The FAQs cover matters including:
- Requirements relating to disclosure.
- When firms do not need to provide the European standard information sheet (ESIS).
- When a firm can describe its services as "unlimited" or "independent."
- What the position will be for second charge back book mortgages and retained provisions in the Consumer Credit Act 1974 (CCA).
- Requirements relating to foreign currency mortgages.
The MCD will be implemented in the UK on 21 March 2016.
PRA policy statement on PRA Rulebook: Fees Part and responses to CP40/15
On 26 February 2016, the PRA issued a policy statement (PS7/16) providing feedback on responses to Consultation Paper 40/15. The policy statement is relevant to all PRA-regulated firms. Included in the policy statement are the supervisory statement and the final rules following CP40/15.
In CP40/15, the PRA set out proposals to redraft the FEES module of the Handbook to conform to the PRA Rulebook style. The consultation paper was part of a planned series of consultations aimed at replacing PRA Handbook material inherited from the FSA with a standalone Rulebook and reflected the commitment made in the PRA's supervisory approach documents to create a set of rules specific to the needs of PRA-authorised firms.
The rules came into effect on 1 March 2016.
The structure of the Rulebook has not changed following consultation. The former Handbook material has been divided into five topic based chapters:
- Chapter 1: Application and definitions (formerly FEES 1).
- Chapter 2: Obligation to pay fees (formerly FEES 2).
- Chapter 3: Periodic fees, with periodic fees schedule (formerly FEES 4).
- Chapter 4: Regulatory transaction fees (formerly FEES 3, other than annex 9).
- Chapter 5: Special project fee for restructuring (formerly FEES 3, annex 9).
The FCA will continue to act as the collection agent for PRA fees. Arrangements for invoicing and collection will not change as a result of PS7/16.
Fee rates shown in the final rules are those in force for the 2015/16 fee year. Fee rates for 2016/17 will be consulted on in Spring 2016.
CMA working paper on corporation tax surcharge and bank levy
As part of the retail banking market investigation, the Competition and Markets Authority (CMA) has published a working paper on the potential impacts of the bank corporation tax surcharge (CTS) that has been effective from January 2016, and also of changes to the bank levy. The CMA's provisional findings noted that a number of building societies and smaller banks had expressed significant concerns with the proposed surcharge.
The CMA concludes that there is no strong evidence at this time that the introduction of the CTS combined with the changes to the bank levy will deter entry or expansion or will result in banks exiting the market. However, it notes that the full impact of the tax changes may take time to emerge. The bank levy was targeted at systematically important banks, so smaller banks, including new entrants, were not subject to the levy. As a result of the introduction of the CTS and the changes to the bank levy, the tax advantage of smaller banks over banks that are subject to the bank levy has been reduced. However, the six largest retail banks continue to pay higher effective rates of tax than smaller banks.
The CMA has found aspects of the design of the CTS may lead to differential effects across retail banks, which, while not immediately evident now, might impact on competition between banks in the future. However, while the tax regime continues to favour smaller banks (including new entrants), the overall effect, compared with the pre-2016 position, is that the tax advantages of smaller banks have been reduced as a result of the changes to the bank levy and the introduction of CTS. Therefore, any effect that these tax advantages had in off-setting the barriers to entry and expansion such banks face are likely to be reduced.
The CMA is seeking comments on the paper by 11 March 2016.
FCA and PRA policy statements confirming consequential changes to notification rules and forms under the Senior Managers Regime
The FCA and PRA have each published a policy statement containing feedback to consultations on proposed technical rule changes relating to the Senior Managers Regime, together with consequential amendments to associated forms. The policy statements confirm the final policy (in the form of the FCA Handbook and PRA Rulebook instruments) and final versions of the forms.
The policy statements are:
- FCA policy statement: Consequential changes to the senior managers regime.
- PRA policy statement: Strengthening individual accountability in banking: responses to CP1/16, and the certification part of CP29/15.
The final rules and forms reflect HM Treasury's proposal to remove the requirement for firms to report known and suspected breaches of conduct rules, as set out under section 64B(5) of the Financial Services and Markets Act 2000 (FSMA). This requirement, together with the presumption of responsibility in sections 66B(5) and (6) of FSMA, will no longer enter into force on 7 March 2016. The relevant rules will be suspended with effect from 7 March 2016 and the intention is that, subject to Parliamentary approval, section 64B(5) of FSMA may be formally repealed and the presumption of responsibility may be replaced with a statutory duty of responsibility, during the course of 2016 under the Bank of England and Financial Services Bill 2015-16.
In PS16/6, the FCA:
- Summarises feedback from its January 2016 consultation on proposed consequential changes to the Senior Managers Regime (CP16/1) and confirms the final rules and forms.
- Finalises some technical amendments to Annex 1 to Chapter 1 of the Senior Management Arrangements, Systems and Controls sourcebook (SYSC). The amendments address how SYSC applies to foreign branches.
In PS9/16, the PRA:
- Provides feedback on responses to its January 2016 consultation on strengthening accountability in banking: amendments to notification rules and forms (CP1/16).
- Sets out the amended definition of the term "significant risk taker" in the Certification Part of the PRA Rulebook, as proposed in its August 2015 occasional consultation paper (CP29/15).
The final rules and revised forms come into force on 7 March 2016.
PRA updates Senior Managers Regime webpage
The PRA has updated its webpage on the senior managers regime. It advises firms that:
- If they have submitted their grandfathering notification and have received an automated response confirming receipt of the submission, but have not heard more from the FCA or the PRA, this means that the information is being processed. Firms will only be contacted if there are questions regarding their submission.
- If a firm does not successfully transfer current controlled functions under the approved persons regime to senior manager functions, existing approvals for these persons will lapse.
- The last working day for submitting forms is Friday 4 March 2016.
The webpage also provides information for firms who are having issues submitting their grandfathering notification.
Bank of England and Financial Services Bill completes Committee Stage in House of Commons
On 23 February 2016, the Bank of England and Financial Services Bill 2015-2016 completed its Committee Stage in the House of Commons.
One of the main changes made to the version presented at the first reading is the introduction of a new clause – Clause 28 in relation to illegal money lending. This clause introduces a new Part 20B into the Financial Services and Markets Act 2000 (FSMA). The clause gives the FCA the power to collect a levy from consumer credit firms to fund the Illegal Money Lending Team.
Harriet Baldwin, the Economic Secretary to the Treasury, argues that the cost to consumer credit firms would be "small", totalling around £4.7million per annum, and that this move would put the system on a sustainable footing. It is envisaged that the FCA will consult on how the levy will be collected in its annual fees consultation in the Autumn.
In response to this, Rob Marris, the Shadow Financial Secretary declared that Labour welcomed stability of funding, but believed that the costs ought to come from general taxation, because by imposing a levy on the consumer credit firms "the good guys – people who get money from non-loan sharks [would be] subsidising the bad guys, the illegal money lending operators." He further stated that putting the burden on users of consumer credit firms, was a form of hypothecated taxation.
The report stage of this bill has not yet been scheduled.
Government consults on making terms & conditions more accessible
The Government has published a Call for Evidence relating to terms and conditions and consumer protection fining powers. In this Call for Evidence the government is seeking to gain a better understanding of how terms and conditions can be made more accessible to consumers, so they actually read them. The publication also sets out proposals for introducing new powers to fine firms where they breach consumer protection and unfair terms rules.
Some of the suggestions within the Call for Evidence include putting key facts upfront within two pages, requiring price and subject matter terms to be made more prominent, grouping specific terms together and stipulating which of these terms are required by law and which are at the discretion of the provider.
The deadline for responses is 25 April 2016.
National Audit Office publish report on financial services mis-selling: regulation and redress
The National Audit Office (NAO) has recently released a report on financial services mis-selling: regulation and redress in relation to mis-selling by authorised firms in the financial services market. The report considers the roles of the FCA, the Financial Ombudsman Scheme (FOS) and HM Treasury in the management of mis-selling cases, addressing both the administration of redress schemes and the regulatory responses and penalties imposed on firms.
In conclusion, the NAO has stated that the complexity of products, continuing commercial incentives to achieve sales and the difficulties in changing cultures within firms means the risk of mis-selling remains. It believes that the FCA's understanding of the cost-effectiveness of different interventions and redress schemes is currently limited, which subsequently makes it harder for the FCA to respond effectively.
The NAO has made some recommendations, which include, the FCA developing a stronger understanding of total costs and benefits of its work, formalising its approach to evaluating redress mechanisms and considering alternative approaches when deciding whether products have been mis-sold. The NAO has also recommended that the FCA and FOS work together to improve firms' complaints handling and work with financial services firms to help consumers to access redress without using claims management companies.
FOS publishes technical note on credit broking
The Financial Ombudsman Service (FOS) has recently published a technical note on credit broking on its website. Credit brokers are companies that help people find loans and may sometimes charge an upfront fee for the service. FOS explains that it gets complaints from consumers that have been charged fees by one or more credit brokers when they have not actually taken out a loan.
The note sets out FOS's approach to common complaints. Items of interest include:
- FOS often hears from people who have put their details into credit-broking websites. Some people did not realise they were not applying directly to the lender. FOS will check that the credit broker clearly informed the consumer whether it was a broker or lender, and whether it gave its legal name so people would know who to contact if they encountered any problems.
- FOS will check the information provided by the broker with respect to fees. If the fees were not made clear, FOS will usually tell the broker to refund them – whether or not the broker actually found someone a loan. If the fees were clear, but someone has not taken a loan, FOS will check the broker gave a refund in line with consumer credit law.
- Some consumers have informed FOS that several different credit brokers have taken fees from their bank account. FOS will check whether the broker made it clear that a consumer's details may be passed on to other companies. If the broker did not make it clear, FOS might tell them to refund the fees taken by other credit brokers. If a fee taken by a different credit broker is not actually associated with the original broker, FOS will tell whoever actually took the fee to refund the customer.
- Many people who usually contact FOS about credit broking have wider financial difficulties and having fees taken unexpectedly can cause further financial problems and charges. FOS will usually tell the broker to refund any unfair or unauthorised fees and pay compensation for the trouble and upset they have caused.
FOS publishes latest complaints data on individual financial businesses
On 23 February 2016, the Financial Ombudsman Services (FOS) released the latest six-monthly complaints data relating to banks, insurers and other financial businesses. FOS took on a total of 164,347 new cases in the second half of 2015 – a slight decrease of 6% on the previous period. Payment protection insurance (PPI) made up 56% of new cases referred to FOS, which was on par when compared with the previous period.
The number of complaints about financial products other than PPI decreased by 10%. This reflected a downward trend in areas such as packaged bank accounts and mortgages. The average uphold rate (where the Ombudsman found in the consumer's favour) during this period was 53.
Chief Ombudsman Caroline Wayman said: "the signs are that complaints are now broadly levelling off as we move into a more even keel in the coming year. Complaints about PPI still continue to make up over half of our workload…we're still seeing the volume of cases at a much higher level than many people expected.
"There are many factors that can influence the complaints we see, from fluctuations in the stock market to extreme weather conditions – and more people knowing their rights when things go wrong".
Bank of England publishes Statistical Release entitled Money and Credit: January 2016.
On 29 February 2016, the Bank of England (BoE) published a statistical release on Money and Credit in January 2016. The publication contains data on broad money and credit, lending to individuals and lending to businesses.
In summary the statistics for lending to individuals are as follows:
- Total lending to individuals increased by £5.3 billion in January, compared to the average monthly increase of £4.7 billion over the previous six months.
- Lending on secured dwellings increased by £3.7 billion in January in comparison to £3.2 billion the previous month.
- The number of loan approvals for house purchases increased by 4,060 to a figure of 74,851 in January 2016, from the previous month.
- Consumer credit increased by £1.6 billion compared to the average monthly increase of £1.3 billion over the previous six months.
Complaints Commissioner urges FCA to consider requiring firms to indicate when customers will not be covered by FOS and FSCS
On 25 February 2016, the Complaints Commissioner, Andy Townsend, published a final decision urging the FCA to consider if firms should be required to provide a clear indication to consumers of the circumstances in which they will not be covered by the Financial Ombudsman Service (FOS) or Financial Services Compensation Scheme (FSCS).
The complaint arose from the fact that firms authorised by the FCA are not required to inform consumers that the activities they carry out are not all regulated activities which fall under the FCA's remit. As such, in the event that something goes wrong with an unregulated product, the consumer has no recourse to compensation through FOS or FSCS, and is left only with the expensive option of going through the courts.
The Commissioner urged the FCA to assess its efficacy of its rules in light of its consumer protection objective, adding that an understanding of what is not covered is arguably of greater importance to consumers given the risks and severe consequences of something going wrong.
HM Treasury/EY report finds Britain to be the world's leading FinTech centre
According to a report produced for the HM Treasury last week, the UK FinTech sector generated more than £6bn in revenue in 2015 and employed a workforce of some 61,000 (second only to California's 74,000). More people work in FinTech in the UK than in New York, Singapore, Hong Kong and Australia combined.
The report ranked Britain first amongst the world's seven leading FinTech hubs (with California and New York following closely behind) having compared these markets against four key criteria: talent, capital, policy and demand.
Key takeaways from the report included:
- California dominates FinTech investment with approximately £3.6bn invested in 2015 despite the UK's robust access to early-stage capital.
- The UK has a particularly good policy environment for FinTech, with the most supportive regulatory regime.
- There is strong competition emerging from FinTech hubs that are implementing progressive initiatives and specialising in disruptive technologies.
The report attributes Britain's number one ranking to a deep talent pool, the strong availability for capital investment in FinTech start-ups and, in a bid to ensure that the UK cements its position as the world's leading FinTech system, the report makes a number of recommendations which have so far been welcomed by the government.
Recommendations include:
- Creation of a FinTech "delivery body" to drive implementation of initiatives.
- Building FinTech "bridges" to support international expansion.
- Establishing regional Centres of Excellence in the UK to create an active collaboration network.
Annual contactless spending trebles to £7.75 billion
The latest figures from the UK Cards Association show that spending on contactless cards rose more than three-fold in 2015 to reach £7.75 billion.
There were 1.05 billion contactless card purchases in 2015 in the UK (up 228% on the previous year) and 140 million contactless transactions in December – the equivalent to 52 every second.
Graham Peacop, Chief Executive of the UK Cards Association, said: "Whether it's to stock up in the supermarket, travel to work, or buy your lunch, contactless is a fast, easy and secure way to make payments. With a contactless payment, you no longer have to fumble around for the loose change in your purse or wallet. You can simply pay using a contactless card or with your mobile phone."
Recent figures from Transport for London (TfL) showed that more than one million journeys are now made on the network every day using contactless.
BBA releases January 2016 figures for the high street banks
The British Bankers Association (BBA) has published its January 2016 figures for the high street banks.
Key statistics include:
- Gross mortgage borrowing was up 38% on January 2015, at £13.6bn - the highest since mid-2008.
- Mortgage approvals were up 33% on January 2015, with remortgaging up 42% and house purchase up 27%.
- Borrowing by non-financial companies increased in January, after being in decline in December.
- Credit card use continues to rise, with 200 million purchases made in January totalling £11.4bn.
Commenting on activity at the start of the year, Chief Economist at the BBA, said:
"The start of the year has seen a significant rise in mortgage borrowing. It seems that this has been driven, in part, by borrowers looking to get ahead of the increases in stamp duty for buy-to-let and second home buyers scheduled to come into effect in April."
FLA launches project to assist members dealing with vulnerable customers
The Finance & Leasing Association (FLA) has launched a project to help its members identify and support vulnerable customers.
The project aims to create an information hub to capture and share good practice across the industry, including topics like Powers of Attorney and data protection.
Fiona Hoyle, Head of Consumer and Mortgage Finance at the FLA, said:
"Sharing best practice will spread the knowledge of successful ways of identifying and serving vulnerable customers, and will support our members as they develop their own programmes. The project will also allow FLA members access to case studies covering a broad range of subjects, including how the Financial Ombudsman Service approaches vulnerability."
This information is for guidance purposes only and should not be regarded as a substitute for taking legal advice. Please refer to the full terms and conditions on our website.
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What is Power Vinyasa Yoga?
Obviously it is a strong and challenging physical practice meant to create strength and flexibility.
Equally as important though is the cultivation of Prana or Life Force and the connection to one's essence and Divine energy.
Simply put Power Vinyasa is empowering.
Tel Aviv yoga teachers, if this resonates with you then come refine your skills. We'll work on:
•Holding sacred space and commanding the room with presence.
•Infusing a sense of spirituality known as a "Dharma Talk" in your yoga classes that will ignite the inner light within your students.
•Creating and teaching "All Levels Power Vinyasa Flow" sequences that will bring all on their mats to their healthy edges.
Join me this November 20th-23rd in this teachers' course designed to take your teaching to the next level.
The course will be held at Ibn Gabirol 108, and will be in English.
20/11 12:00-17:00
21/11- 10:30-16:30
22/11 13:30- 20:00
23/11 9:00-17:00
1400 NIS (two days for 950nis)
For more info call us at 03-5188998 or leave us your info:

subset: commoncrawl


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As the debate about genetically modified organisms continues to gain traction throughout the country, corporate interests are desperately trying to block legislation that will require the labeling of GMO foods from moving forward. They claim that GMO foods are safe to consume; therefore, labeling isn't necessary. But that doesn't make sense.
If they are safe to eat, then the food industry shouldn't worry about labeling. Unsafe foods aren't labeled; they're taken off the market. So what's the big deal about letting people know that their food has been genetically engineered, and why would it be any different than letting people know that their food has been made from concentrate, that it was irradiated, or was produced in another country?
According to a recent independent poll, more than 90 of Americans support the labeling of GMOs; more than 64 countries require this basic disclosure. Recently, Vermont enacted a law requiring labeling and the state Assembly's Committee on Consumer Affairs and Protection just passed a labeling bill.
Instead of keeping consumers in the dark, the food industry should be required to disclose when products have been produced with genetic engineering. People have a right to know what's in their food and how it was made.
How can anyone argue against such transparency?
Stacie Orell
New York City
Campaign Director, GMO Free NY


text:
Dieses Thema wurde archiviert. Bitte stellen Sie eine neue Frage, wenn Sie Hilfe benötigen.
Why does Firefox not make visible some of the content on a major corporations employee webpage, although I've tried several things, they work in IE and Chrome?
The website is https://pshrwb200.jcpenney.com and after I log in, the website comes up but none of the images load. I tried disabling the Adblock Plus and a few other things (no proxy settings, allowed in pop-ups, etc.) which Firefox's help suggest and again nothing works. Also, like previously mentioned, IE and Chrome have no problem with this. Thanks for your help on this matter.
Alle Antworten (5)
The website gave me access denied so I can't reproduce this.
If images are missing then check that you aren't blocking images from some domains.
- Press the F10 key or tap the Alt key to bring up the hidden "Menu Bar" temporarily.
- Check the permissions for the domain in the currently selected tab in "Tools > Page Info > Permissions"
- Check "Tools > Page Info > Media" for blocked images
- Select the first image link and use the cursor Down key to scroll through the list.
- If an image in the list is grayed and "Block Images from..." has a check-mark then remove this check-mark to unblock images from this domain.
Make sure that you do not block (third-party) images, the permissions.default.image pref on the about:config page should be 1.
Make sure that you haven't enabled a High Contrast theme in the Windows/Mac Accessibility settings.
Make sure that you allow pages to choose their own colors.
- Tools > Options > Content : Fonts & Colors > Colors : [X] "Allow pages to choose their own colors, instead of my selections above"
Note that these settings affect background images.
See also:
If you use extensions (Firefox/Tools > Add-ons > Extensions) that can block content (e.g. Adblock Plus, NoScript, Flash Block, Ghostery) then make sure that such extensions aren't blocking content.
If you created this file yourself, disregard this step it looks like user.js is currently active in Firefox. The user.js file is only present if you or other software has created this file and normally it wouldn't be there.
You can delete a possible user.js file and numbered prefs-##.js files and rename (or delete) the prefs.js file to reset all prefs to the default value including prefs set via user.js and prefs that are no longer supported in the current Firefox release. You can get to the profile folder below:
- Help > Troubleshooting Information > Profile Directory > Show Folder
- Go to about:support and click Show Folder next to Profile Directory.
I notice that you have switch on caret browsing.
You can toggle caret browsing off/on by pressing F7 (Mac: fn + F7).
- Tools > Options > Advanced > General > Accessibility: [ ] "Always use the cursor keys to navigate within pages"
Note that this is an accessibility feature of Firefox.
I meant to get back with you before now. As I had previously tried your suggestions I tried them again this morning and again none of them worked. Again I'm perplexed as to why the graphics in that website (one of my employment) works in my other 2 browsers and doesn't in Firefox (my preferred). If you have some other suggestions which are not too complicated I would appreciate it otherwise I'll just put up with it.Thanks.
You can open the Inspector (Firefox/Tools > Web Developer) and check on the Network tab if any content is blocked and has a file size 0 (zero). You can click the Size header to sort by Size.


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Pres >Donald Trump had been inaugurated as president on January 20, 2017. Here is just just how mag covers depicted him throughout the just last year.
The brand new statesman
This cover from the final end of 2016 probably happy the newly elected US president. Time magazine picked Donald Trump as individual for the 12 months, a name which was additionally as soon as provided to Konrad Adenauer, John F. Kennedy and Martin Luther King — in addition to Hitler and Stalin. The yearly end-of-year function picks somebody who, "for good or for bad . did probably the most to influence the activities for the 12 months."
By having a Hitler mustache
Also before Trump's election, the Mexican mag Letras Libres made its viewpoint on Trump absolutely clear, utilising the words "American fascist" to make a Hitler mustache on their portrait. Building a wall surface regarding the US-Mexico border and clamping straight straight down on Mexican immigrants were a number of Trump's electoral claims.
Walling in
Fourteen days after Donald Trump's election, the latest Yorker artistically commented on the president's border wall task. From delicate to explicitly insensitive depictions, international mag covers showcased a diverse number of designs while commenting on Trump's policies over summer and winter.Details


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The first prototype flew in April 1945. Two built.
There were two versions of Ki-93: interceptor Ki-93a with 1-57mm, 2-20mm cannons and navy attacker Ki-93b with 1-75mm (!) cannon and 2 250kg bombs.
Ki-93 wasn't a fighter.It was designed as a ground attacker.
looks like in the disperate conditions of 1945,Japan was intented built Ju-88´s


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The George pub
→ more information
The George pub:
The George pub
The George Pub first became a target of anti-colour-bar activism in 1963. As with many other British pubs, the colour bar at the George involved refusing service in the saloon bar, and only allowing service to non-white customers in the public bar. In the summer of 1963, forty protesters—local African Caribbean men, working with the Lambeth Trades Council—staged a sit-in protest against the colour bar, the first of a concerted campaign. These sit-in protests, and their dispersal by police, became a regular feature of the anti-colour-bar activism at the George. Alongside this, Lambeth Trades Council called for a boycott of the pub, and staged protests outside carrying placards demanding 'Down with segregation in Brixton and Alabama'. The protesters were arrested by police and charged, in December 1963, with using threatening words, threatening behaviour, and obstructing policemen. At the hearing at Marylebone Magistrates' Court, however, the case was dismissed. Lambeth Trades Council continued its campaign in 1964, opposing renewal of the pub's license, but unsuccesfully. The passing of the 1965 Race Relations Act offered a possibility of resolution, but the George, as did many other pubs, continued to operate a colour bar despite this legislation, leading to a new campaign against it in 1966, led by Jamaican leaders of the St John's Inter-Racial Club, Courtney Laws and Joe Hunte, supported by the Lambeth Inter-Racial Council. The complaint against the George became one of the first to be heard by the new Race Relations Board in 1966.
Read more about pubs and clubs
99-105 Effra Parade


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Today's post comes from David. I enjoy David's writings not just because they are filled with ABBA's truth (which is the best part), but because I'm always reminded of how much I need ABBA, and His Body. For the past three weeks or so, the Lord has been ministering to me from Jeremiah 17:14, especially … Continue reading Thankful Tuesday's (#10)- A Trip Down the Stairs
Thankful Tuesday's (#9) Distilling the Body of Christ
There are very few people that I can pinpoint that live their lives according to the scripture in 2 Corinthians 5:7 (we walk by faith and not by sight). Homer and Wanda, are at the top of my life. Their blog, Uncompromising Faith shares with us their continued journey of living a life of faith. … Continue reading Thankful Tuesday's (#9) Distilling the Body of Christ
Thankful Tuesday's (#8) Christian – Social identity or Spiritual reality?
Perth Girl aka Manu is my sister from another continent. Her blogs features two things and two things only - Faith (how to bolster it) and Food (how to make a great meal). These both happen to be two of my favorite things. Manu walks in the calling of a Bible teacher. You will find … Continue reading Thankful Tuesday's (#8) Christian – Social identity or Spiritual reality?
Thoughtful Thursday (Reflection)
Today is usually the day we get to reflect on a few lessons Holy Spirit has been teaching me. As I reflect on the past week, He has been teaching a lot. Each times I have however sat to craft a post, I find myself stuck mid-way. There is usually a beginning and maybe a … Continue reading Thoughtful Thursday (Reflection)
Thankful Tuesday's (#7) – My Brain Injury Roller Coaster Ride: Damaging Effects Of Noise 🎢
Today, I am thankful for Vivian (my sweet Viv) and her blog. When I just started blogging, she was one of a few bloggers I found to be sincere and vulnerable in their writings. She was willing to share with whosever the strains and aches of life - yet never sought pity - and never … Continue reading Thankful Tuesday's (#7) – My Brain Injury Roller Coaster Ride: Damaging Effects Of Noise 🎢


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THE Uganda Human Rights Commission (UHRC) has cautioned Police constables in the mid-eastern region against torturing criminals in their custody
THE Uganda Human Rights Commission (UHRC) has cautioned Police constables in the mid-eastern region against torturing criminals in their custody.
The legal officer of the UHRC Soroti branch, Bernard Mugisha, said the commission would monitor the treatment of criminals have been violated.
He said the commission would visit jails, prisons, and Police cells, to find out the conditions of the inmates and make recommendations.
The mid-eastern region covers Kaberamaido, Soroti, Kumi and Katakwi districts.
Recently prisons in Soroti, Kumi, Tororo and Mbale were supplied with poor quality maize flour that resembled chicken feed.
Mugisha said, "Criminals should have freedom from torture, inhuman and degradating treatment, otherwise Police officers will compensate suffers of human rights violations or their families under their custody if proved in court.
"Our visiting of detention places is to find out human rights violations and short-comings and suggest ways of improving them,†he added.
Regional Police commander mid-eastern Bob Ngobi said Police officers had no right to torture criminals in their cells to reveal information.
"A Police constable is not supposed to torture a criminal in order to get information during investigations,†he said.
The papers presented included, the concept of human rights, protection from torture, cruel inhuman or degradating treatment or punishment.â€
Ngobi, all Police commanders in the region and commissioner Veronica Bichetero presented papers on "terrorism and human rights.
UHRC to monitor prisoners


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- Home
- Government
- Departments
- Leisure Services
- Recreation Division
- AmeriCorps Partners in Learning Program
- Member Benefits & Alumni Resources
- For Current Members
- Compelling Personal Circumstance Policy
Compelling Personal Circumstance Policy
Understanding Compelling Personal Circumstance Exits:
- Program may release member from the term of service for Compelling Personal Circumstances (CPC) if the member has completed at least 15% of their required hours and demonstrates circumstances beyond the member's control that prevent the individual from completing his/her term of service. In case of CPC, Member will be asked for additional information (such as doctor's note, military orders, etc.) to document the situation for compliance purposes. This information will be treated confidentially. Compelling Personal Circumstances include:
- Member has a disability or serious illness that makes completing the term impossible.
- There is a serious injury, illness, or death of a family member which makes completing the term unreasonably difficult or impossible for member.
- Member has military service obligations.
- Member has accepted an opportunity to make the transition from welfare to work. Member must have been on welfare prior to enrolling in AmeriCorps.
- Some other unforeseeable circumstance beyond the member's control makes it impossible or unreasonably difficult for the member to complete the term of service, such as a natural disaster, a strike, relocation of a spouse, or the non-renewal or premature closing of a project or the Program.
- Compelling personal circumstances do not include leaving the Program:
- To enroll in school
- To obtain employment, other than moving from welfare to work
- Because of dissatisfaction with the Program
APIL Compelling Personal Circumstances (CPC) Policy
In accordance with CNCS requirements, the AmeriCorps Partners in Learning Program will review individual member requests for suspension and early exit to determine whether they meet the standards for Compelling Personal Circumstance (CPC). The program understands that some documentation or communication related to CPC can be sensitive. We will maintain all information and communication in a confidential manner, sharing information only with essential parties and retaining the information in human resources files.
The AmeriCorps Regulations specifically outline that compelling personal circumstances should be beyond the member's control (45 CFR § 2522.230). CNCS gives examples of the following situations that may qualify as CPC for member exit or suspension:
- Member disability or serious illness
- Disability, serious Illness or death of a family member if this makes completing a term unreasonably difficult or impossible
- Military service obligations
- Other unforeseeable conditions beyond the member's contral that make completing a term unreasonably difficult or impossible, such as a natural disaster, premature closing of a project or program, or relocation of a spouse
Volunteer Iowa has determined that the following situation may qualify as CPC for member exit:
- Errors by the program that result in a late enrollment in eGrants, provided the Member Service Agreement and member first service date as documented on the timesheet, shows an accurate and earlier member enrollment date.
Situations expressly ineligible for CPC exit, according to the regulations, include:
- To attend college or graduate school
- To obtain employment (unless promotion of employment of the members is an approved objective of the program)
- Dissatisfaction with the program
In other situations, the program will review the information and supporting documentation provided by the member to determine if the circumstances meet the requirement of "beyond the member's control" as outlined in the AmeriCorps guidance.
In all cases of exit or suspension, the program will conduct, and document review of information provided by the member to make a determination of CPC or Exit for Cause. Elective member suspension is only possible in cases of CPC. Every case of suspension and early exit will have additional documentation to detail the situation and provide support for the program's determination.
The following documentation will be required for each CPC Suspension or Exit:
- Notification from the member requesting suspension/exit or indicating that a situation is preventing them from meeting their service obligations
- Specific details of the situation from a third party documenting justification of CPC (preferred). Examples of such documentation may include:
- Letter from physician
- Funeral information or death certificate
- Military orders
- In cases where third party documentation is not feasible, a detailed letter or memo from the member outlining the situation and describing why continued service for a period of time (suspension) or permanently (exit) is not feasible.
- In most cases, if the member is unable or unwilling to provide additional supporting information, the program will not be able to rule in favor of a CPC suspension or exit.
The Program will include a note on the member documentation detailing review of the situation and outlining the determination that was made by the program. The AmeriCorps Partners in Learning Program will then notify Volunteer Iowa of our decision using the Member Suspension Form in IowaGrants.
Reviewed & approved: 6/15/2020 HMS
Can AmeriCorps State and National members get a full Education Award if they were not able to obtain their full hours due to circumstances related to COVID-19?
It depends. There are three situations that have different outcomes:
- AmeriCorps State and National members that have served less than 15 percent of the minimum required hours for the Term of Service at time of exit. AmeriCorps State and National members who have served less than 15 percent of the minimum required hours for a Term of Service at the time they are exited are not eligible for a partial education award. Nor are these members eligible for a full education award with a compelling personal circumstance exit related to COVID-19. 45 CFR § 2522.230(a)(2).
- AmeriCorps State and National members that have served between 15 percent and 50 percent of the minimum required hours for the Term of Service at the time they are exited. AmeriCorps State and National members that complete between 15 and 50 percent of the minimum required hours for the Term of Service may be exited for compelling personal circumstances proportional to the number of hours they have served. They are not eligible for a full education award with a compelling personal circumstance exit related to COVID-19. 45 CFR § 2522.230(a)(2).
- AmeriCorps State and National members that have served more than 50 percent of the minimum required hours for the Term of Service at the time they are exited. An AmeriCorps State and National member who has completed more than 50 percent of the minimum number of hours required to successfully complete their Term of Service will be eligible to receive the full education award amount with a compelling personal circumstance exit related to COVID-19. Compelling personal circumstances are the determination of the AmeriCorps program. 45 CFR § 2522.230(a)(2). Please see Q22 and Q23.


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The Suissly Firm is one of the most comfortable firm mattresses we have tested. The Dunlop latex top and high-density foam layer create a solid support with just the right amount of softness. Read our Suissly Firm mattress review and discover what makes this bed unique.
No time? Skip down to the Suissly Firm mattress review summary. ↓
Sleeping on the Suissly Firm Mattress
Firmness and Support
We gave the Suissly Firm a 7 out of 10 in our firmness rating (10 being the firmest). The combination of Dunlop latex and memory foam give this bed a very notable feel. Initially, this bed felt softer than the Suissly medium firm. As we laid on it a while, the firmness increased. We ended up on a bed that is ideal for back sleepers, though it may be a bit too hard for side sleepers. (Suissly makes a medium mattress that is ideal for side sleepers.)
The firm mattress comes with exceptional support. The memory foam layer disperses weight evenly over the high-density layer beneath. This blending layer provides excellent joint relief for sleepers as it eases any points of pressure.
Sinkage and Horizontal Motion Transfer
We found a sinkage of around 1″ when laying in the center of the Suissly Firm. There is a little contouring, but this mattress won't hug your body. Again, we aren't sure we would recommend this bed for side sleepers as it might compress the hip and shoulder.
The top latex layer did a good job of reducing the horizontal motion. Sleepers should be able to move around a fair amount without disturbing their partner.
Temperature and off-gassing
We found no problems at all with a temperature of the Suissly firm mattress. In general, we rarely find latex topped beds that have a lot of heat. This bed is ideal for all climates, warm and cold alike.
We also found no evidence of off-gassing with this bed. We do caution that most box mattresses come with a slight smell that dissipates in a few hours. Sleep comfortably knowing Suissly is almost 100% organic, going beyond the GLOS requirements
What Suissly is made of
The Suissly Firm uses a combination of latex and high-density foam to give its firm, supportive feel. They also incorporate a memory foam middle layer to balance out the bed and give just a hint of softness. Explore the inside of this bed in our Suissly Firm Mattress review.
Mattress cover
A knitted viscose blend that provides softness while remaining durable.
Top layer
1.5″ of Dunlop latex foam give a firmer feel while remaining cool.
Middle Layer
1.5″ of memory foam create the softness that disperses the weight of the sleeper evenly.
Bottom Layer
7″ of high-density foam form the base of the Suissly Firm. This layer gives the real support and foundation for the sleeper.
Mattress Customer Support and warranty:
Mattress Cost
Just like the medium firm, this bed comes in at $999 for a queen mattress. This price is average in the industry, landing a tiny bit on the higher end. Suissly knows that their mattress is a little more expensive, but focus on providing high-quality beds. They use only the best material, going as far as to import natural latex from outside of the US. We encourage readers to go to the comments section our Suissly Firm mattress review and let us know what you think of the price.
Suissly Coupon Codes
If you do choose to buy a Suissly our readers can use the coupon code TOPDOWN to receive 10% off their entire order. Make sure to check out their Sheets and pillows before you use your discount. The Suissly coupon TOPDOWN is good for everything sold on their website.
Get 10% Off the Suissly Firm Mattress
Use the link to the right to get your 10% discount
Suissly Firm Mattress Review
The Suissly Firm mattress provides a sound sleep with ample support. It's latex and foam construction mean it has less responsiveness than their Medium firm mattress. With a sinkage of 1 inch, we recommend this bed for back and face sleepers. We suggest side sleepers check out the Suissly medium instead. Either way, customers are getting superb mattress at a relatively inexpensive price.


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Daniela is an adorable young girl who comes from a poor family in Peru. Daniela's father is a construction worker, but the job and the income are not steady on a monthly basis. Her mother is in a similar situation as she cleans houses on an unstable basis. The house itself is not durable either, because it is built of cord board and bamboo. The family also does not have running water at their home. Thank you for giving Daniela the opportunity to be involved in a place that will provide her with an education, nutrition and guidance to help her grow in Christ. May God bless you for your generosity.
Daniela Aurora Regalado Valderrama
Suggested Donation: $20.00Age: 13 years old
Gender: Girl
Country: Peru
Peru is a culturally diverse country in South America. The majority of the population profess to be Christian, with the majority being Roman Catholic. Terrorism and social violence can be common in certain areas. Generally speaking, there is a lack of stable jobs and it is often difficult to find consistent work. Many fathers abandon their families, leaving them in challenging circumstances. Alcoholism, drug use, and gang violence are also prevalent in many communities.


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The evaluation of tangible and intangible aspects concerning things, feelings, expectations, events and consequences, is determined by the choice of the scale. What reveals an evaluation, if you can only assign an upward thumb? This question has to be asked by everybody, who wants to make a survey, because the skillful grading determines the insights.
As soon as you prepare an inquiry, you have to worry about the scales. In the following examples you find basic variants.
- The "Like ": good
The "Likes" of Facebook provide users the possibility to positively mark a post, in the sense of "I like it ". They do not offer further alternatives, since there is actually only this value. Its meaning is not very clear, since on the one hand the "Like" is not always clear. If someone denounces a drawback and many people "Like" the contribution, do they mean the comment or the actual article? The reasons for only a few or no "Likes "are likewise diverse. Perhaps only a few people saw the post or their threshold for liking is not yet reached. For meaningful evaluations "Likes" are not suitable.
- The binary inquiry: bad/ good
The actual evaluation with the thumb needs additionally at least the thumb that shows downward. Thus the two poles at the end of a scale are defined. This format gets the question to the heart of the point. Unfortunately the reality mostly exists between the extreme poles (see http://ow.ly/QnPga). The polarizing character of this question can be defused by speaking of rather good and rather bad. This format serves well for fast inquiries of the mental state by a show of hands.
- The simple inquiry: bad/ neutral/ good
The gray zone can be established most easily with an additional value between the poles – for example by using neutral. De Bono calls it PO. Thus gives people the possibility to select neither good nor bad. The disadvantage of this middle value is the fact that it offers a back door to the respondents, in order not being obligated to decide. This form of questioning is unfortunately not quite meaningful.
- The pragmatic inquiry: bad/ rather bad/ rather good/ good
The simple inquiry offers an alternative that covers the entire gray zone. In this case the neutral zone is as large as the two poles. Above all, the scorers are forced to decide for one or the other side. This format overcomes the disadvantages of the binary and the simple inquiry. It supplies fundamental valuations – good or bad.
- Realistic inquiry: very bad/ bad/ rather bad/ rather good/ good/ very good
In order to eventually also determine gradual differences, both sides should be further graded. Thus, the respondents have the possibility to select one side and to determine the degree at the same time. Very should be used in this context only for unusual good or bad. This form of inquiry will deliver in most cases suitable results.
- The filigree inquiry: 1=very very very bad/ 100=very very very good
In the planning the questioners are quickly carried away to develop detailed grading's, in order to allow as much as possible differentiation for the responds – in extreme cases from 1 to 100. This classification offers sufficient room for the description the gray zone (from 2 to 99). However it creates two disadvantages. First of all, it will be more difficult for the respondents to deliver their evaluations, since they have to arrange the gray zone for themselves. Secondly, the evaluators will have difficulties to draw insights from the filigree grading. Therefore you should only provide so many ranges that you need for a meaningful evaluation. More produces noise that softens the meaning of the results.
Bottom line: The choice of the value ranges determines the quality and the significance of an evaluation. What counts is: less is more – however do not ask less than you need. Eventually the skillful grading determines the conclusions that one can draw from the survey.
P.S.: Do not use only Multiple Choice. Always add a field for comments, in order to better understand the comments.


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I'm playing with the mods:
Winter Grass
TMXL Map Toolkit
Content Patcher
Coop, Barn, and dog animal replacements
Starblue Valley
Birthday Reminder Mail
Stardew Valley Expanded
Stardew Valley Expanded Immersive Farm 2 Remastered
Farm Type Manager
Entoarox Framework
Seasonal Buildings
All mods are up to date, none are conflicting or corrupted, and if I start a new game, the dog pen is still like that no matter what I do. I tried Googling it and found nothing. Does anyone know what's going on or have any ideas how to fix it?
Here's how it looks: https://cdn.discorda...205/Capture.PNG


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TierraCast Antique Silver-Plated Pewter Sitting Fairy CharmSA-2231
Reg. $1.61
Whimsical style can be yours with the TierraCast antique silver-plated pewter fairy charm. This charm is shaped like a three-dimensional fairy. The fairy has butterfly wings spread as if in flight and she wears a cute pixie dress. The small loop at the top of the charm makes it easy to add to designs. This is a great charm for magical styles. It would make a cute focal in a dainty necklace design. It features a versatile silver shine that will work anywhere.
TierraCast items are made from high-quality lead-free pewter.
Hole Size 1.3mm/16 gauge, Length 25mm, Width 12mm


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This is a great scenic loop to do by motorbike or car during the week as a day trip from Chiang Mai, with plenty of places to stop for a coffee and enjoy the mountain views.
Click here for more information on how you can help.
It's probably a trip best avoided over the weekends, when the road gets clogged up with too many tourists of dubious driving abilities. Road surfaces are good and the route is well signposted but these are mountain roads with steep climbs and descents and numerous sharp bends, so it isn't for novice motorbike riders. Also watch your petrol levels as once past Pong Yang village there aren't any petrol stations until Samoeng.
Obviously, as is the nature of loops you can go either way but for no particular reason—other than we've always done it in this direction—we're describing it anti-clockwise. So to begin, depart from Chiang Mai in the direction of Mae Rim. If you head up Huay Kaew Road and turn right onto the Canal Road and follow it until it joins Route 107, the Mae Rim highway, it's an easier and less congested drive to ... Travelfish members only (Full text is around 700 words.)
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Information about Brashers Reno Auto Auction located in Reno 89506-1203, NV. Business is Automotive Brokers and Auctions. Business Pages Reno Nv. Auctioneers In Reno Nv. Brasher's Reno Auto Auction. Description. Brasher's Reno Auto Auction can be found at 6000 Echo Ave. The following is offered: Auctioneers - In Reno there are 8 other Auctioneers. Brasher's Reno Auto Auction in 6000 Echo Ave with phone number 17758282437, address, and interactive map. Brasher's Reno Auto Auction, LLC is a privately held company in Reno, NV and is a Single Location business. Categorized under Wholesale Automobile Auctions. Our records show it was established in 2000 and incorporated in Nevada. Our Reno Nevada powersports auction directory also includes major ATV and utility vehicle brands like Polaris, Arctic Cat, and Can-Am to allow you to find an ATV or motorcycle auction in Reno Nevada. Our auction locator lists powersports auctions in every major city,.
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Jab We Met Hindi MovieFeature Film | Romance
Jab We Met is a 2007 Hindi movie directed by Imtiaz Ali starring Shahid Kapoor, Kareena Kapoor, DARA SINGH and Kiran Juneja. The feature film is produced by Dhillin Mehta and the music composed by Pritam and Sandesh Shandilya.
Release: October 26 2007 (India)
Genre: Romance
Language: Hindi
Director: Imtiaz Ali
Aditya (Shahid Kapur), a defeated industrialist, is even more broken as the girl he loves is getting married. Unable to muster up the courage to return home, he drifts out of the gathering and aimlessly boards a train, bounding away into the night. As destiny would have it, on the train he meets ...More
More Pictures...
Cast & Crew Details:
|Shahid Kapoor
|Kareena Kapoor
|Kiran Juneja
Director: Imtiaz Ali
Producer: Dhillin Mehta
Music Directors: Pritam, Sandesh Shandilya
Song Lyrics Writer: Irshad Kamil
Cinematographer: Natraja Subramaniam
Editor: Aarti Bajaj
Screenplay Writer: Imtiaz Ali
Original Story Writer: Imtiaz Ali
Jab We Met IN THE NEWS
|Jab We Met actor-director, Shahid Kapoor & Imtiaz Ali to reunite after 10 years - Oct 31, 2017
|Ashtavinayak invests Rs.9 bn in forthcoming movies - Jul 10, 2008
|Kareena to turn designer - Jan 01, 2008
|Punjab becomes a Bollywood favourite - Dec 26, 2007
|Pankaj Kapur proud of son's achievement - Dec 23, 2007
|Pritam reveals secret behind a hit - a few Punjabi words! - Dec 10, 2007
|Rajkumar Santoshi shelves Katrina, Shahid starrer - Nov 16, 2007
|Shahid, Bollywood's new 'lover boy' - Nov 11, 2007
|Copyright issue quashes Kareena's Katrina connection - Nov 06, 2007
|I'm not doing Saif film at Kareena's behest: Imtiaz - Nov 05, 2007
|Kareena pleased about leap from grim to grin - Oct 29, 2007
|'Jab We Met' - a journey to find true love - Oct 23, 2007
|'It's one of my best films till date!' - Shahid Kapoor - Oct 22, 2007
|JAB WE MET on Sony TV's Jhalak Dikhlaja! - Oct 11, 2007
|Pritam at his musical best in 'Jab We Met' - Oct 07, 2007
|Star Plus soap girl in 'Jab We Met' - Oct 04, 2007


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Bruce Wayne as himself (W.I.P), months before meeting Terry MgGuiness and they decide to upgrade the suite to go from cowl w/cape to high-tech Face mask and built-in wings and jet boots.


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This post may contain affiliate links. If you click on one of my links, I may receive a small compensation at no cost to you. Thank you for supporting The Penny Pantry! Read My Disclosure Policy
Here are the BEST DEALS I see at Walgreen's for vegan and plant-based groceries for the upcoming week starting Sunday, 5/05.
I keep track of prices with my Price List, which guides me in knowing when something is worth buying.
My goal is to buy enough at my verified lowest price until the next time an item comes up again at that price.
You can read my guide to Drugstore prices HERE
Walgreen's has coupons you can add to your store card HERE
I will add to this page as new deals come up, so check back often! Happy Saving! 🙂
Note: Must use Walgreen's store card to receive sale prices.
About prices: You usually have to buy in multiples to get the sale price at Drugstores. For example, if something is $3/2, you would have to buy 2 to get each item for $1.50. A single purchase is usually a higher price than buying 2 individually. You can check the store's tags to be sure.
Special Deals:
Check Your Account Online HERE to see if you got this Spend $25, Get $5 in Bonus Points Coupon. Doesn't Expire until 6/29. You can "clip" it online, and it will load to your card.
There are some other Bonus Coupons Online to check for:
Note for Cold Cereals: Many are not vegan, as they contain Vitamin D3. You can read my post Here about it.
Aunt Jemima Original Syrup 12 oz. 2/$4=$2 ea.
C&H or Domino Pure Cane Sugar 4 lbs. $1.99
Use the $.75/2 Coupons for Domino's and C&H HERE
Pay $1.61 ea. or $.40/lb. when you buy 2
General Mills Cereal Select Varieties 10.5-12 oz. (Blasted Shreds are the only non Vit D3 Cereal I have found) $1.99
Sunsweet Pitted Prunes Canister 16 oz. $3.99
Nabisco Crackers or Cookies (Wheat Thins pictured) 9-13 oz. $2.99
Use the $.75/2 Newspaper Coupon for Ritz Crackers Boxes 7 oz. + in SS 4/7 Exp. 5/18/19
Use the $.75/2 Newspaper Coupon for Ritz Crisp & Thin or Toasted Chips in SS 3/31 Exp. 5/11
Use the $1/2 Newspaper Coupon for Nabisco Good Thins Snacks and/or Triscuit Wheatberry Clusters (3.5 oz.+) in SS #2 4/14 Exp. 5/25/19
Submit for $1/2 Checkout 51 for Ritz 7 oz.+ (can't combine with other coupons or rebate apps) Limit 5, Exp. 5/08 (May reset)
Submit for $.75/1 Checkout 51 for Ritz Crisp and Thins or Toasted Chips 7 oz. + (can't combine with other coupons or rebate apps) Limit 5, Exp. 5/08 (May reset)
Submit for $1/2 Checkout 51 for Triscuit Wheatberry Cluster or Triscuit Crackers 3.5 oz.+ (can't combine with other coupons or rebate apps) Limit 5, Exp. 5/08 (May reset)
Pringles 5.2-6.3 oz. 3/$4
Deal Idea:
Buy 3 Wavy Pringles
Submit 3x for Ibotta $.35/1 HERE (Limit 3)
Pay $.98 ea. when you buy 3
Lay's Chips or Doritos 7.75-9.75 oz. 2/$5=$2.50 ea.
(There are 2 flavors of vegan Doritos: Spicy Sweet Chili & Blaze)
Nuts & Candy
(Many, but not all nuts and candy will be vegan. Please check ingredients)
Nice! Roasted Peanuts, 16 oz. or Trail Mix 6-9 oz. $1.99
Nice! Select Nuts: Cashews 8.5 oz., Pecans 6 oz., Almonds 9 oz.or Deluxe Mixed Nuts 8.75 oz. $3.99
Wonderful Pistachios or Almonds 7 or 8 oz.. $3.99
Trident or Dentyne Gum single pack $.99
Wrigley's Gum 3 pack (select, includes Orbit & Extra) $5/2=$2.50/3 pack
Theater Box Candy $4/4=$1 ea.
Note: Beverage Prices may be regional, check your flyer or store tags to verify.
Aquafina Water 24 pack 16.9 oz. bottles $3.99=$.16/bottle Limit 4, No limits in NM
Starbucks Cold Brew 11 oz. or GT's Kombucha 16 oz. 2/$6=$3 ea.
Maxwell House Coffee 30.6 oz. $4.99
Coca-Cola Products 12 Packs 3/$9.99 Limit 3, No limits in NM
Pay $3.33 per 12 pack or $.27/can


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With residents of eastern Kentucky coalfields facing layoffs and a decrease in coal production, they now have yet another obstacle in their way – and it's being brought on them by some of their very own.
Environmental groups like the Kentucky Waterways Alliance, Ohio Valley Environmental Coalition, and the West Virginia Highlands Conservancy, collectively called the Coal River Mountain Watch, plan to file suit this month against the U.S. Department of the Interior for allegedly failing to take sufficient action against mountaintop removal mining – as if the feds haven't gotten involved in Kentucky's energy sector enough.
These radical anti-coal coalitions argue that the current administration's horde of mid-Atlantic bureaucrats haven't done enough to protect Kentucky's wildlife at the expense of the human beings who live among it. That's a fishy argument seeing as how the past four years have seen an Environmental Protection Agency on steroids, attempting to enforce one unilateral mandate after another.
During her tenure in office, recently retired EPA czar Lisa Jackson issued 1,824 rules – thirteen times more than the Departments of Energy and Labor combined – including twenty "major rules" which cost more than $7 billion in initial compliance and $44.86 billion annually. These costs don't even scratch the surface for how Kentuckians are being negatively affected as one unintended consequence after another is likely to result in jacked up energy rates, a loss of direct investment in the commonwealth, and continued layoffs.
The answer to the complicated issues associated with Kentucky coal and coal-fired power plants isn't going to be found with federal bureaucrats forcing one-size-fits-all edicts on the states. No one is more interested or has more man-on-the-spot knowledge to handle Kentucky's pollution externalities than Kentucky citizens and their elected officials.
It's a shame the Kentuckians in the Coal River Mountain Watch don't get it – because they're hurting their very own.


text:
Young Gunz
Events Goulburn Mulwaree, New South Wales
Concert or Performance
27 Mar 2020
Australia's Favourite Male Entertainers are back with an all new themed show! See all your favourite acts with amazing costumes and dance routines with spectacular sound and lighting displays!
They will have a Photobooth set up with their performers so get your friends together for a group photo before the show.
Only 50 early bird tickets with limited VIP so hurry to book your seats ! VIP seating is up close reserved seating with service plus a chance to get pulled up on stage !
Bar Border NSW/ACT Carpark Food & Wine Local Major Events Public Toilet Region Restaurant State
From AU$32.74
Event Times
27 Mar 2020
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Goulburn Workers Club
1 McKell Place, Goulburn, 2580


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What was only whispered about last year at this time is now out in the open and finally receiving the attention it deserves: sexual harassment and assault in the nonprofit sector and – particularly – the plight of vulnerable fundraisers at the hands of powerful donors and board members.
Fundraisers' Vulnerability
For many groups, the fundraising or development professional is vital to the organization's success, but that person's activities take him or her beyond the usual employer-employee interaction and often include out-of-office meetings with established or prospective donors.
At its core, sexual harassment is, according to fundraiser Beth Ann Locke, who has written previously on the topic, "(a)n insidious use of power and/or privilege over those with less…; the need for donations outstrips the need for protection from sexual harassment." Well-known nonprofit commentator, Vu Le, agrees that "power dynamics" are a key to the "perpetuation of sexual harassment" in the fundraising context.
Harassment of Fundraisers is Widespread
In 2017, as revelations of workplace sexual harassment became major media stories, plans were made for a sector-wide study of the problem for fundraisers in the nonprofit sector.
On April 5, 2018, the Chronicle of Philanthropy and the Association of Fundraising Professionals (AFP) released a first-of-its kind study and survey of sexual harassment of fundraisers. Respondents are 1,040 current members of AFP (90% from the U.S. and 10% from Canada) who are either in-house fundraisers or consultants to nonprofits. The survey was compiled from an online poll conducted in February 2018 by the well-known Harris Poll organization.
The full report titled "Professional Harassment Survey" is here; an article in the Chronicle of Philanthropy on April 5, 2018, by Timothy Sandoval reports on the findings and conclusions. The results are dramatic but not necessarily surprising to fundraising professionals who – over many years – have silently suffered from this kind of abuse. Some observers believe that the survey would have revealed worse statistics if people who had left the field of fundraising on account of this rampant abuse had been included.
A quarter of female fundraisers have been sexually harassed; only 7% of male fundraisers say they have been victims. The harassers are 96% male. Of the respondents who reported on-the-job sexual harassment, two-thirds said that donors were the culprits; the rest answered that colleagues, "mostly those in senior positions," were responsible. Thirty-five percent also reported that "board members — who often make big gifts to organizations — have been at fault in at least one instance."
Fundraisers who responded they have been harassed described the type of conduct involved: 80% were subjected to "inappropriate comments of a sexual nature"; 55% "experienced unwanted touching or physical contact"; 36% "encountered unwelcome sexual advances"; 29% "faced verbal abuse of a sexual nature" and 26% "received requests for sexual favors."
When these same respondents were asked about what, if any, action they took, 43% said they reported the conduct to their organizations, but 27% took no action at all. "Others took smaller steps, like distancing themselves from offenders." Over a quarter of the entire group of responding fundraisers "said they'd heard about or witnessed sexual harassment but took no action."
Of those fundraisers who made reports, "(s)lightly more than half … were either somewhat dissatisfied or extremely dissatisfied with how the organization handled their allegations."
What Happens Now?: Solutions
In his article accompanying the release of this landmark survey, Timothy Sandoval reiterates the point made by other observers that any solution to this problem must "focus on power dynamics" especially "(b)ecause women are the main targets of sexual misconduct." Although "70 percent of fundraisers are women,… chief-executive and board jobs, especially at elite nonprofits, are often held by men." And, of course, most donors are older men.
Big donors have a lot of influence over nonprofits, especially because many fundraisers are rated on their ability to pull in large donations. Adding to the challenge: Meetings with donors often occur in intimate settings, like in homes, at bars, or in restaurants — increasing the odds that harassment will take place, experts say.
"We cannot address this issue," Vu Le writes, "without acknowledging the power imbalance in our sector, between board and staff, between donors and fundraisers, between staff and clients, etc."
In the urgent task of developing solutions to this entrenched problem, nonprofits must unequivocally, commit to an organizational philosophy and promise to their personnel including fundraisers: "We don't value donor dollars more than we value your personal safety and dignity."
Nonprofits must "create an environment that is safe for [their] staff, volunteers, and community members" which includes "having strong policies." That includes anti-harassment policies in-house, employee handbooks, and board governance manuals as well as gift acceptance policies and related documents that make clear to outsiders, including donors, that there is a zero-tolerance policy on harassment.


text:
Fully loaded Vogue , Stunning Unmarked White with unmarked black leather , Full detailed service history 12 Stamps, ( Land Rover main agent service invoices present ) Major service May 2016 , This Range Rover has been professionally fully upgraded to 2010 body specification ( Front & Rear LED lights / front bumper & grill / side vents / new 20" Range Rover alloy wheels & new Pirelli Scorpion tyres ,Venture Cam , Autobiography Extended piano black interior trim with piano black & leather steering wheel , Command with TV / DVD / Reversing camera / Navigation / Premium Harmon Kandon sound system with multi CD / Aux , USB , I pod docks & Blue tooth telephone preparation , Speed sensitive power steering , Cruise control , Heated multi function steering wheel , Heated fully electric with bolster / memory driver and passenger front seats , Heated rear seats , Land rover over mats , Easy entry electric steering column , Adaptive Bi- Xenon headlights , front & rear Parking sensors , Heated front & rear screens , Electric glass sunroof , Upgraded front grill & side vents , Fully colour coded front & rear bumpers, This RR Vogue is in truly outstanding condition, looks and drives a fraction of the mileage , Will be supplied with 12 Months Mot &12 months parts & labour warranty from Warranty Wise , Amazing performance and economy from this tried and tested V8. All service books & documents & owner's manuals present 2 Keys. Competitive finance available on this vehicle. Part exchange welcome . All major debit / credit cards accepted . Any inspection welcome .
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Registered Office: Unit 10 , Kelburn Business Park, Woodhall, Inverclyde, PA14 6TD


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|Tony Nijhuis
|24/07/2019 21:29:34
609 forum posts
233 photos
Firstly the 600g is a guideline as to a 'manufactures stated thrust' which is always in 'open field testing' on a test rig. When buying a fan, you only have the manufactures stated thrust to 'BUY' to!. Im saying that a fan unit with a manufactures stated thrust of 600g, in a model such as the Sabre, will fly it very well indeed. It would be ridiculous to expect modeller to test the thrust of an EDF in there own model and then compare that to a specification....
I know from 'open field' test on a rig the FMS 50mm fan on 3S (11.1V) you will get around 620g or thereabouts. However, put this into model and that figure WILL be reduced due to air flow resistance both in front of the fan and losses after the fan....You could easily lose 50% of your thrust but the model will still fly....why???? because i used a rubbish AEO fan in the test Sabre, that could only muster 380g in free air (and probably 150g once in the model) and that still flew!!!
So if your getting 350g in the model, tested......it will go like a rocket!!!!!!!!!!!!!!!!!!!
Having now developed a further six more jets, the secret is a cheat hole (40mm x 40mm or equiv. CSA) in the under side of the fuselage just 15mm or so in front of the fan and this will UNLOCK the performance of fan. The Sabre side scoops would then be redundant.....
30C Lipos are fine....1800 to 2200mah...perfect......anything more may add thrust but this will be offset against the weight increase.......
|Colin Bernard
|24/07/2019 21:58:39
503 forum posts
93 photos
Thanks Tony - appreciate the answer - but if I understand you correctly you are saying that it should fly OK, even with a 2200 and the problem is just that it needs a large cheater hole adding?
If so what makes mine, built as per plan, different to yours and the others who say theirs fly OK? (I feel sure that I built accurately, CG was right etc)
Happy to try anything - just need to understand.
Edited By Colin Bernard on 24/07/2019 22:06:50
|Tony Nijhuis
|25/07/2019 21:31:58
609 forum posts
233 photos
I find it unexplainable why this model dose not fly.....If you telling us you measure the thrust of the model at worst being 350g which is 14oz, against an AUW of 21oz you have a 67% thrust to weight ratio which is ample......My sabre flew on a 50% thrust to weight ratio using the cheap AEO fan!
I can only suggest the 40mm x 40mm cheat opening in the underside. Also check your speed controller is giving max output....it is a 40amp controller i assume?
All the latest designs i have produced use the FMS50mm 3s fan and the AUW range from 22oz to 26oz!!!
one last and curious point, did you know you used the Mig canopy on your Sabre!!!!
|Colin Bernard
|25/07/2019 21:40:47
503 forum posts
93 photos
I am wondering how accurate my thrust measurement is. I simply inverted the model over the kitchen scales as close as I could to the scales without touching them, and then gave it WOT.
I'll stick the wings back on and try adding that cheat hole.
As to the canopy I must have traced off the wrong side of the plan! Never mind, have plenty of pop bottles!
Thanks again Tony - I'll post any updates.
Looking forward to building the Provost next.
(And must summon up the courage to maiden the Vulcan too.)
|Tony Nijhuis
|26/07/2019 17:11:22
609 forum posts
233 photos
Try putting the nose of the model on the kitchen scales.....switch them on and they will zero with the weight of the model on them....then give it WOT with just lateraily supporting the model
|26/07/2019 18:11:24
580 forum posts
30 photos
Posted by Tony Nijhuis on 26/07/2019 17:11:22:
Try putting the nose of the model on the kitchen scales.....switch them on and they will zero with the weight of the model on them....then give it WOT with just lateraily supporting the model
Won't "nose on scales" affect the entry of air? Maybe you'd need standoffs between the scales and the nose.
|Colin Bernard
|26/07/2019 19:01:03
503 forum posts
93 photos
Tony - I did it tail down for the reason brokenenglish mentioned above.
However since at the moment there are no wings or cockpit on the fuz it's no issue so out of curiosity I did it nose down on a fresh battery and got much the same - 16oz/454g thrust.
And I hate to admit it but yes, I had copied off the wrong side of the plan for the canopy - duh!
|Tony Nijhuis
|26/07/2019 21:49:07
609 forum posts
233 photos
Ok so put the wings on, cut a 40 x 40 hole and go and fly it.......
|Adam Lomax
|27/07/2019 16:32:46
142 forum posts
4 photos
Tested mine a couple of days ago, flew really well with plenty of power on the FMS fan.
Just need to finish the canopy and air scoops now
|Andrew Calcutt
|18/08/2019 20:02:39
61 forum posts
1 photos
Finally got mine flying well,I am using an 11 blade fan from bang good,3cell 1300 battery.First couple of attempts didn't work,cut a much larger cheat hole underneath and moved the c of g slightly forward,she now flies well with a good turn of speed.
|06/10/2019 12:32:15
610 forum posts
12 photos
Hi everyone. I am considering the Sabre from the mini jet selection at the moment. So can we say that a 3s 2200 pack is OK with sufficient cheater inlets? I have plenty to use rather than buy some smaller packs. Cheers
|Andrew Calcutt
|06/10/2019 12:41:00
61 forum posts
1 photos
I fly my mig on a an 11 blade ba good fan,1400 30c battery,cheater holes are essential.I think a 2200 3s may be to heavy.with this setup it flys well just keep the speed up if not it will go into a spin on a turn.
|Marc ROCHE
|01/01/2020 22:15:09
|22 forum posts
25 photos
Just a little message to revive the post. My Mig didn t support a fautly servo. I make a new plane but i modified the tail to make it look like a Mystere II.
|Marc ROCHE
|05/07/2020 18:11:26
|22 forum posts
25 photos
A short video of the MIG15 modified in this hot windy day.
Go fast.
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