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There was quite a bit of feedback to a post showing the most and least expensive states to live in.
Though informative, many readers rightly pointed out, the cost of living can be quite different within the same state — say, in Philadelphia and Lancaster, Pa. (It's about 11% more expensive to live in the City of Brotherly Love than in Amish country.)
So, here' s the full list of 381 metro areas, as ranked by the Bureau of Economic Analysis and uploaded by us. The biggest cost-of-living disparity is between Honolulu and Danville, Ill, where's there is a 54% gap.
As noted previously, the BEA says it produced the report in large part so people and businesses can have a better understanding how their personal income may be impacted by a job change or move. There is regional consumer price index data, but those statistics aren't designed for regional or city comparisons, whereas this data is, a spokesman says.
A map of the most expensive and cheapest states to live
— Steve Goldstein
Follow Steve on Twitter @mktwgoldstein
Follow Capitol Report @capitolreport
Also read: Why the housing sector won't save the broader economy


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India's Will to Freedom: Writings and Speeches on the Present Situation
Ganesh & Company, 1921 - India - 188 pages
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What India Needs
WarGift from India
A Call to Young India
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absolutely action administration All-India Anglo-Indian believe Britain British Commonwealth British Empire bureaucracy capital capitalistic civilisation co-operation concede Congress Council countrymen cracy creed demagogy Dharma Duni Chand duty economic European Extremists fact faith favour feel force foreign freedom friends Gandhi give Government of India Gujranwala hear Hindu honour human Imperial Imperial War Cabinet Indian labour Indian members Indian National Congress interests judgment justice labour Lahore Lala Lajpat Bai leaders League of Nations liberty live Lord Lord Curzon Mahatma Gandhi matter ment mind Moderates never non-co-operation officers organisation patriotism peace pledges political position prepared present propaganda province Punjab purdah race Reforms Scheme religion representative resolutions respect sacrifices Sinha Sir Michael O'Dwyer soul speech spirit stand suffer Swaraj sympathy tell things tion to-day truth violence wealth whole words workers Young India

subset: commoncrawl


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This Week's Best Tweets: Kellie Pickler, Brad Paisley + More Comment From 2012 CMT Music Awards
Twitter has made it possible to feel like you're inside the arena during televised award shows, even if you're just watching it on a 13″ TV at home. A number of stars commented from their seats during the 2012 CMT Music Awards on Wednesday night. A few, like Jake Owen, even took time to have a little fun with fans.
Aside from award show tweets, the list of this week's best tweets includes Scotty McCreery talking about wrapping up his high school year at Garner Magnet High School. Hillary Scott is also celebrating something, Taylor Swift is in the recording studio and Lauren Alaina has her eye on dessert. Click the big button below to see all the highlights from the week ending June 8, 2012.


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5:00 pm
Freedom Riders: American Experience An integrated band of college students in 1961 risk everything and buy a ticket on a Greyhound bus bound for the Deep South to break the grip of segregation. Filmmaker Stanley Nelson presents the first feature-length film about this band of civil-rights activists. He chronicles a chapter in American history that is a testament to the accomplishment of youth that can result from a combination of personal conviction and courage.G
7:00 pm
McClure Center Symposium On Federal Fiscal Issues Highlights from the symposium earlier in the week feature a panel of national experts examining the current federal fiscal situation. The panel includes U.S. Sen. Mike Crapo (R) and U.S. Rep. Mike Simpson (R) of Idaho, and U.S. Sen. Mark Warner (D) of Virginia. The event was put together by the James A. and Louise McClure Center for Public Policy Research at the University of Idaho.G
8:00 pm
PBS NewsHour NULL
9:00 pm
Nightly Business Report Worries about political gridlock in Italy and in Washington caused investors to dump stocks. NBR's Suzanne Pratt takes a look at why sequestration may not be the reason for a market breather. With $85 billion in federal spending cuts just days away. D
9:30 pm
Journal NULL
10:00 pm
Charlie Rose NULL
11:00 pm
Thousand Invisible Cords: Connecting Genes to Ecosystems Can an entire landscape be changed by changing one gene in one plant or animal? Thirty years of interdisciplinary research says yes, and this film follows the scientific journey that came to that conclusion. "A Thousand Invisible Cords: Connecting Genes to Ecosystems" is an eco-documentary that can truly change how we view the world. No longer will we see species as isolated members of ecosystems but as genetically connected members of a rich interacting community. D


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Deandre Brackensick 'Masters' Stevie Wonder On 'American Idol'
When watching 'American Idol' contestant Deandre Brackensick perform, it's hard to believe he was a wildcard who easily could have not been a part of this competition. Before his performance Ryan Seacrest sat down with the singer and showed him some emotional footage from last week of Brackensick crying. We don't think anybody should ever have to see what they look like when they cry but Brackensick was a good sport laughing it off and saying "Oh Lord have mercy."
Not only did the singer bring his great head of hair to the stage tonight, but he also brought a whole lot of swagger singing 'Master Blaster' by Stevie Wonder. From the first note to the last, Brackensick owned the stage with a funky reggae beat that had Jennifer Lopez bobbing up and down and dancing in her seat.
The judges had nothing but rave reviews for the curly-haired contestant. Steven Tyler commented that Brackensick "takes over the stage" and told him "You've got a different flavor than everyone else. I've always loved it, and I liked it again tonight. Thank you."
Jennifer Lopez, who noticeably enjoyed his performance, said "You have rhythm, you have soul, you have swag, and I love what you did with the song." She went on to say there was something weird at the end of the song, but then decided that the weirdness she was feeling was that she didn't want his performance to end. Randy Jackson echoed Lopez's sentiments "We didn't want it to stop that's how good and real that it was. That's what this is about."
Watch Deandre Brackensick Perform 'Masters' on 'American Idol'


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"The Girl Who Trod on the Loaf" is number 135 in the Hans Christian Andersen Center's register of Andersen's literary works, i.e. no. 135 in the category fairy tale (the range 1 - 300). BFN 784.
"The Girl Who Trod on the Loaf" was first published 24 March 1859. Further information: Digterens danske Værker 1822-1875 number 784.
The work was published as a part of Nye Eventyr og Historier. Første Række. Tredie Samling. 1859 [Danish title]. (Number 323. BFN 782. Category/genre: Fairy tale collection).
Show this work in its context: all new Andersen publications from 1859.
The work was published later (10 December 1870) as a part of Eventyr og Historier. Tredie Bind. 1870 [Danish title]. (Number 333. BFN 1007. Category/genre: Fairy tale collection).


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Wednesday, November 17, 2010
Countdown to our Gluten-Free Thanksgiving 2010
Since receiving the celiac diagnosis five years ago, I've been planning and cooking meals that are mostly gluten-free and mostly pescatarian or vegetarian, including our family's Thanksgiving meal, but this year I'm making things easier on myself by making it all gluten-free.
Not that I'm telling my holiday family and guests, mind you.
I will let the vegetarians know that aside from a roast turkey and accompanying gravy, they are free to roam the Thanksgiving table without fear of ingesting meat. And I will whisper in my husband's ear that he may do the same without being glutened. My Thanksgiving gift to him. And not incidentally, to me, as the Chief and Crispiest of Cooks.
I still plan a lavish spread (because I love to cook, I love to eat, I love to have leftovers during a busy retail season at our bookstore, because I have teenagers) but I will not be making gluten-free AND Gluteny kinds of stuffings, two kinds of desserts, etc. etc. as I have in the past. I think I have just gotten to a different mindset about cooking in my kitchen as we have tried to transition from our previous cooking/eating ways to a gluten-free lifestyle.
Whereas right after the G-bomb hit with my husband's diagnosis I was overwhelmed with the enormity of having to retool the kitchen, rethink my repertoire of recipes and cooking methods, and relearn how to bake (fuhgeddaboutit!), I am now more at ease with shopping and cooking gluten-free than not. Weird.
I'm certainly planning to be less mentally CRISPY a cook when I am putting the finishing touches on my Thanksgiving spread and calling everyone to the table. If anyone asks about whether things are gluten-free before the feasting is over, I plan to get a distracted look and hurry off to say "I forgot to put out the salt and pepper", or "I forgot to turn off the stove". I will only let slip that the entire deliciousness is gluten-free after the fact, when they are lulled into a post-prandial daze.
At least, that's my devious plan. Keep your fingers crossed for me on my secretive gluten-free guerrilla assault on my otherwise GF-wary diners.
Here's my game plan for a totally Gluten-Free Thanksgiving Feast:
Magical Muhammara (a fantastic Middle Eastern dip courtesy of author Diana Abu-Jaber, I sub in GF bread crumbs)
Grandma's Stuffed Celery
Cream Cheese Glazed with Garlic-Rosemary Jelly (recipe to follow in another post this week)
GF Crackers (Sesame-Rosemary Crackers if I'm extra-ambitious, but more likely a couple of packages of store-bought Nut Thins)
Main Event:
Roast Turkey with Pan Gravy (for the omnivores)
Roast Portabellas with Rice Stuffing and Mushroom Gravy (for the vegetarians)
Mashed Potatoes
Copper Pennies Salad
Sweet Potato Pudding
Cole Slaw
Green Bean Casserole with Crunchy Fried Onions (courtesy of Jill of Hey, That Tastes Good!)
Apple Chutney (with dried cranberries thrown in to macerate for a couple of days)
Cornbread Dressing
Brussels Sprouts with Lemon Balm Vinaigrette
Relish Tray (olives, carrot sticks and Dilly Beans)
GF Parker House Rolls (courtesy of Art of Gluten-Free Baking)
Sweet Finale:
Apple Sour Cream Pie
Impossible Vegan Pumpkin Pie (courtesy of the Fat Free Vegan)
Chocolate Dipped Strawberries
My daughter and I made a batch of these Chocolate Dipped Strawberries during the summer, to serve as an elegant ending for our wedding anniversary dinner and I was amazed at how ridiculously easy they were. They look so beautiful that I had always assumed they were difficult to assemble, but after perusing some cookbooks and Internet recipes I came up with this breezy way to make these simple little show stoppers.
Chocolate Dipped Strawberries
1 lb. fresh strawberries, hulls left on, rinsed and patted dry
1 (8 oz.) pkg. gluten-free milk chocolate chips
1-2 Tbsp. vegetable shortening
Melt chocolate chips in double boiler over low heat. Stir often. When chips are fully melted, add in shortening as needed to achieve a runny, liquid texture.
Line a cookie sheet with waxed paper.
Holding strawberries by hulls, dip in melted chocolate to coat on all sides except hull. Place gently on waxed paper to cool.
That's it! Chill when cooled. You can also get fancier with these dessert treats by swirling on lines of melted white chocolate or dipping their little bottoms in crushed nuts while they are still warm.
I'm sending this Thanksgiving 2010 post over to Shirley at Gluten-Free Easily, whom I had the pleasure of meeting in person recently. She is a lovely, supersmart lady who shares her gluten-free recipes, entertaining ideas, health information and so much more on her wonderful blog. Shirley's hosting week 2 of a Gluten-Free Holiday series sponsored by Amy of Simply Sugar and Gluten Free and Shirley's theme this week is Thanksgiving Favorites.
Hop on over to Gluten-Free Easily to see what other bloggers are planning for their Turkey Day. I just visited and see that my tentative feast menu may be subject to change based on some droolworthy options over there. You can also leave comments there to enter to win some wonderful cookbooks.
6 comments:
- gfe--gluten free easily said...
Wow, Rachel, what an extravaganza you are going to have! I have no doubt at all that it will be a huge success and no one will miss that evil gluten! Nobody ever misses it my house. At first I wouldn't tell them until the end, but now folks are so used to my food being gluten free and still terrific, they don't care and even rave to others. This phenomenon will happen to you, too.
Last, but not least, those strawberries are gorgeous. Everyone will love those for sure. Thanks so much for sharing them for our Gluten-Free Holiday, as well as the info on the event and the super generous words about me! :-) You are the best, Rachel! Have a fabulous, stress-free, delicious Thanksgiving!
- Wednesday, 17 November, 2010
- Johanna GGG said...
how can anyone fail to be thankful for all that food - as a vegetarian I would be happy to partake at your table. we have more and more gluten free food sneaking into our family dinners since we have GF family members and no one ever complains
- Wednesday, 17 November, 2010
- nellbe said...
It all looks wonderful and I think its great you are making it all gluten free. I did that one year for Christmas and the looks on their faces when I told them it was all gluten free. But is tasty one of them said. My point exactly!
- Wednesday, 17 November, 2010
- Foodycat said...
Making it all gluten free is definitely the sensible way to go! And it sounds like a delicious meal.
- Thursday, 18 November, 2010
- Rachel said...
Thanks for all the kind comments everyone. I think this menu is a little overly ambitious and that a few dishes may not get made, but I'm not stressing about it. I have a lot on there that I plan to make one, two or three days ahead of time and a bunch of garden items are already frozen or canned (green beans, chutney, dilly beans, garlic jelly) so I think I'm good. Also have three kitchen helpers, two of which like to cook and all of which wash dishes!
- Thursday, 18 November, 2010
What a spread! Shirley is right about people getting used to and welcoming gluten-free food when they find out how good it can be and it sure does save wear and tear on the cook. Wishing you and your family a Happy Turkey Day.
- Thursday, 18 November, 2010


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DMX's Reality Show "Soul Of A Man" Episode 2 - [ThrowBack Old Show]
DMX's Old Reality Show From BET! We Bring It Back To Life!
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The Mobo Triton Pro has all of the qualities you look for in a leisure bicycle: comfort, a smooth ride, and durability. The Mobo Triton Pro features a dual-joystick steering mechanism that is exhilarating to use and provides a smooth maneuverability. Unlike chain-driven bicycles, the Mobo Triton Pro's propulsion system requires minimal maintenance because it uses a front free-wheel mechanism connected directly to the pedals. The sturdy front steel frame can be extended or contracted easily, making the Mobo Triton Pro suitable for riders from 4' to 6'3" and it holds up to 250 lbs. This cruiser maintains a low center of gravity, thus making it especially stable and safe for the whole family. The comfortable recumbent seating position means minimal pressure on your back, wrists, elbows or hands. Perfect for riding at the beach, achieving a brisk work out and for leisure rides. What a great way to stay fit while having fun!


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Please select your country of residence to view relevant information, fares and special offers.
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Enjoy convenient connections with Jet Airways in partnership with Qantas from India to popular destinations across Australia with daily flights via Singapore.Fly to
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If you are planning a vacation with a difference, travel to Australia for an exciting experience. With breathtaking coastal drives, hot air balloon rides, scuba diving, vineyard tours. JetEscapes Holidays provides you the opportunity to indulge yourself in the ultimate experience down under.
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Singapore Stopover City Pass is the first contactless smartcard that allows travelers to access and gain entry to Singapore's famous attractions like Universal Studios Singapore™, Singapore Flyer, Night Safari, Captain Explorer DUKW® Tour and many more. Guests can choose between one, two or three days passes as per their convenience.
Singapore Stopover Attraction City Pass® is applicable only for guests travelling on Jet Airways flights from India to Australia and vice versa via Changi Airport Singapore.
Guests are required to present their valid air tickets at Changi Recommends Counter located at Changi Airport Terminal 3 Arrival Hall.
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Kindly present valid photo identification to the service staff along with your e-confirmation voucher. The last name on the Voucher must match the Photo ID. The Voucher must be signed when presented to service staff.
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Load Balanced Cluster Technology
In a cluster hosting platform many servers work as one and load is distributed between all of the servers in the network. Such architecture offers better productivity and performance than single-server platforms.
It is a fact – clustered servers work more efficiently compared to single-server platforms. With our hosting platform the load is distributed intelligently between several servers, thus improving speed and performance.
The problem with standalone servers (old technology)
Most web hosting companies today use a standalone server technology where you have a number of servers each of which is running up to 8 services: Web Server, MySQL/database Server, FTP server, DNS, User Control Panel, Account Database, Email Server The problem with having so many processes running on a single machine is that these processes are all using the same resources, which leads to high server load, slow performance and quick hardware amortization. Imagine having an email client, an instant messaging program, a browser, an office application and an image editor running on your personal computer at the same time – now imagine that you were able to work in all of them at the same time, would you expect it to work fast? Not really. And this is just one account on your computer, now imagine there were several hundred. It is just like this with web servers too – many services running at the same time and many accounts on the same server mean bad performance.
The good, the bad and the ugly (solutions)
One solution to this problem is to host only a small number of accounts on the same server, which means high expenses for server hardware and administrative support. Although a possible one, this is a high-cost solution and the expenses are covered by the customer – high monthly fees cover the high expenses. On the other hand if you host a larger number of accounts per server, the performance gets worse. So you end up either having a quality but unreasonably expensive service or an affordable price but poor quality. And of course there are always these companies who combine both poor quality and high prices.
FreeHostia has come up with a better solution – the good one. Instead of having many services on the same server, we have different servers for different services. An intelligent load balancing system guarantees smooth performance and high speeds. Having separate servers for MySQL, email, data storage, user web hosting control panel etc. allows much more accounts to be hosted per server. The high number of web hosting accounts per server means low expenses, while the performance remains excellent. Because the server load on our clustered server is always within reasonable limits, hardware amortization is no more such a problem, customer web sites load faster and the overall speed and uptime are much better.
Taking it even further
To view a comparison table of all hosting plans and choose the hosting plan that suits your needs best, visit our web hosting comparison page.


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Guruka Kaur of 3HO and IKYTA International Collaboration will be at the Chilean Yoga Festival in the foothills of the Andes Mountains from January 21 - 27. This is an incredibly sweet and inspired event. She will be meeting with Kundalini Yoga Teachers and 3HO communities from all over South America. They are planning a first IKYTA/Chilean Teachers Conference at the end of the festival, where they will focus on "Vision," the first step in the Eight Steps to Excellence, by Yogi Bhajan. She will be there with Hari Charn Kaur of KRI and they will be teaching and working together. Contact her at [email protected]. For more information about the festival:
Panch Nishan Kaur of 3HO Community Relations will be teaching at the Norcal Women's Camp, a 3HO® Yoga Center Partner,from January 6th – 9th. Contact her at [email protected]. For more information about the camp: www.norcalwomenscamp.org


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Oh certainly I dont want to eat them. Im a vegetarian. But I still enjoy the smell.
So, like, remember last fall when Billy D finally had to fess up to stealing 'Inner Life'? Remember how the Discovery Institute hung him out to dry, even though they obviously played a part in that fiasco?
Well, I really wondered how the DI would respond to EXPELLED getting caught doing the same goddamn thing. Would the DI pull a Dover and run away screaming, letting Premise fend for itself? Or was the DI inseparably entangled with the Frankenstein 'Inner Life', completely unable to distance itself from its making, and be forced to take responsibility for their actions?
Hum hum hum.
Honestly, I thought they would bail. Make EXPELLED pick a fall guy (like Kevin Miller, or their computer animator) and wash their hands of EXPELLED. Pull a Dover and pretend they didnt have anything to do with it.
But it was clear to me from the beginning that DI had a hand in this. Quote Kevin Miller:
But as far as I'm concerned, no one has copyrighted any cellular processes--at least not yet. I'm sure Craig Venter would like to.Thats stupid enough to be DI 'lawyer' advice. Well, Kevin, you cant copyright Mus musculus either, but Id really like to see you draw a yellow pair of shorts on Mickey Mouse, put him in EXPELLED, and see what Disney has to say.
But Jonathan Wells, 'ol Papa-TARD himself, has come to the defense of Premise, clinching the DI-Frankenstein connection:
Expelled does NOT use the Harvard animation. The producers paid a professional to create a new animation that is more accurate than the Harvard one (based on current knowledge of cellular processes). Any similarities between the Expelled animation and the Harvard one are due to the fact that both animations depict many of the same processes.'A professional.' Now, it took a team of Harvard PIs/students and professional bioanimators 14 months to make 'Inner Life'. Premise hired a dude (one dude) to make a nearly identical version in <3 months. And its funny how Wells story doesnt match an earlier defense from Kevin:
We created the animation in conjunction with an animation studio and several cell biologists.'A dude'. 'An animation studio.' 'Several cell biologists.'
How nebulous of you, Creationists.
And notice how fast Wells jumps to defend the quality of the animation (its BETTER than Harvards!). Thats some fine lulz. Wells, if you werent a functionally retarded Creationist and were actually a 'biologist' you could have picked out a hand full of errors in 'Inner Life' that just so happened to show up in Frankenstein 'Inner Life'. Not just because 'they are the same cellular processes'-- you copied things that are wrong or artistic renditions.
Why dont you, Wells, identify, lets say '3' things in 'Inner Life' that you know are wrong and tell me why you (excuse me, I mean 'the dude') chose to mirror those errors in *your* animation? Im not talking complicated things. Im not talking advanced biochemistry/microscopy/whatever.
Im talking basic, Cell Bio 200, wrongs.
Think of it as practice for your court date.
Ready... Set... GO!
(No cheating from the audience, this is a Q for DI/EXPELLITES only).


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Sunbrella Chair Rounded Back Cushion, 21x21 in, Bay Brown
Doheny's Quick-Ship Value Cushion Program was developed for Doheny's customers that need quick turnaround on semi-custom cushions. Doheny's Quick-Ship Value Cushions are able to be produced in these styles and sizes much faster because they are offered in a limited selection of Sunbrella fabrics and are cut from premade templates. This 18" x 16" Rounded Back Tufted Cushion fits a variety of chairs that measure between 17" and 19" wide and 15" to 17" deep.
- Style: Tufted Rounded Back
- Width: 21"
- Depth: 21"
- Edge Cut: Knife Edge
- Edge Style: Waterfall Front with Boxette Corners
- Thickness: 4"
- Corner Radius: Approx. 7"
- Filling: Poly Fill
- Fabric Ties: None
Made in the USA!
Item # 410011P


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President Obama campaigned on the promise of change, and ended up with a world much fuller of it than he and his advisers expected. In the three years since he was elected, the foreign-policy landscape has shifted dramatically, not least because the financial crisis has spread worldwide and the Arab world has risen up against its autocratic rulers.
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The Breaks of the Game
Knopf, 1981 - Sports & Recreation - 362 pages
"Among the best books ever written on professional basketball." The Philadelphia Inquirer David Halberstam, best-selling author of THE FIFTIES and THE BEST AND THE BRIGHTEST, turns his keen reporter's eye on the sport of basketball -- the players and the coaches, the long road trips, what happens on court, in front of television cameras, and off-court, where no eyes have followed -- until now.
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LibraryThing ReviewUser Review - SeriousGrace - LibraryThing
This is an interesting topic for a book. Halberstam follows the 1979-1980 sad season of Portland, Oregon's basketball team, the Trailblazers. Interestingly enough, they had won the championship the ... Read full review
LibraryThing ReviewUser Review - foof2you - LibraryThing
A look at the 1979-1980 Portland Trail Blazers a must read for any sports fan, especially the NBA fan. Interesting to see what the salaries were back then compared to today. This a good read. Read full review
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Basketball Fundamentals: A Complete Mental Training Guide
Jay Mikes
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Race, Sport and the American Dream
Earl Smith
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Galway-based hacker and creative workspace, 091 Labs, will be hosting a photowalk and digital processing workshop at our Workspace on Saturday September 11, 2010. Our (well…my) general plan for the day is as follows:
Event details:
- 10am: We all meet up at the 091 Labs workspace at Exchange House on Fairgreen Road and swap introductions.
- 10:30am-11am: Move out and begin our walk around the city and Claddagh beachfront.
- 2pm: Return to the workspace for lunch (we have plenty of eateries around the area).
- 3pm-6pm: Digital processing and photographic technique workshops. I need you for these.
Some of the details of the day are still up in the air; I would like anyone interested in holding a 15-30 minute workshop to contact me directly within the next week to suggest yours. Anything photography-related is welcome: Share your business tips, workflow advice, shooting techniques or even a regale us with a suitably entertaining rant. The Labs' workspace features a secure lockup, copious bandwidth, an abundance or comfortable chairs and plenty of sockets; with that in mind I encourage those interested to bring along their laptop or Netbook to work from.
You can grab an ICS calendar event to add to your Outlook, iCal or Google Calendar from here.


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VidyaGrants needed a new logo design and created a contest on 99designs.
A winner was selected from 90 designs submitted by 17 freelance designers.
Interested in helping design a web 2.0 charity that will permanently affect how international financial aid is supplied to students in 3rd world countries? VidyaGrants is the next paradigm in micro-giving, using something we call "Micro-Scholarships" for US donors to fund a student in rural india via our network of established international field partners and schools abroad.
Us donors that would like to support a child for a very small amount that they can connect with by stories and school performance.
The VidyaGrants logo is a logo graphic that is mostly text-based for a web 2.0 online charity focusing on funding micro-scholarships to rural schools in India. The look and feel of the logo should involve elementary / friendly colors similar to laptop.org, good.is, or microplace.org. Neither the fonts nor graphics should be ornate, but very simple and iconic. The logo should look identifiable even in a small / scaled down version. The text is the main part of the logo but if you can submit versions with a graphic icon to accompany the text logo, that would be great.
Find out how a design contest works or learn more about our logo design services.


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- Photography by Mr Matthew Donaldson
- Words by Mr Peter Henderson, Senior Fashion Writer, MR PORTER
Patrick Bateman's grooming regimen in American Psycho has become the stuff of legend ("in the shower, I use a water-activated gel cleanser, then a honey-almond body scrub...") but lest we forget the movie was intended to be satirical, we favour a simpler - yet equally effective - approach to ensuring we look (and smell) our best each day. On that note, MR PORTER is delighted to announce a new category on the website: grooming products.
From shaving to showering to skincare to scent, the first eight brands that we're stocking afford a complete range of products that are stylish, effective and provide plenty of bang for their buck. Pseudoscience and whimsical claims about the efficacy of diamond dust have no place in MR PORTER's bathroom cabinet. Instead, we present hard-working essentials which will help you to scrub up and look smart in no time at all. Click through the gallery, above, to discover what Aēsop, Baxter of California, Czech & Speake, D.R. Harris, Le Labo, Malin + Goetz, Perricone MD and Santa Maria Novella have to offer. We'll leave you with the words of Mr P.J. O'Rourke: "Cleanliness becomes more important when godliness is unlikely."


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First of all, way to insult Iginla comparing him to Fedotenko. Any line Iginla is on should feature him as a prominent member of that line, not as a third wheel whose job is to create space for the others. It worked with Fedotenko because he wasn't a superstar -- and while Iginla's "superstar" status may have dropped to "star," he's still more creative, dynamic, and dangerous offensively than Fedotenko ever was. In short, Iginla should not be a Fedotenko on Malkin's line, or anyone's line for that matter.
To add, Iginla has played the last few games at right wing with Dupuis and Jokinen as his linemates, while Kunitz took over at left wing on Malkin and Neal's line. They also practiced that way yesterday. I read on here yesterday that someone watched at a Penguin practice as Rossi ignored the on-ice action and instead engaged in conversation with Phil Bourque, while Kovacevic plotted around, also not watching. Rossi's article this morning is a pretty good indication that he hasn't been watching the way the lineup has been unfolding and that he is quite ignorant to how average Fedotenko was and how good Iginla is.
Lastly, just as a sidebar, Rossi Tweeted the following, which in turn showed up on my Facebook wall:
#TribHKY >> @JoshYohe_Trib reports #Pens' Crosby hopes doctor gives him green light for Game 1 | TribLIVE http://t.co/Tba1Hne4Jz #PitNYI
Wow! What a scoop! Yohe is reporting Crosby hopes he is healthy enough to play! I never would have guessed that!
Sorry for the rant, but the Trib is just becoming a pure joke, especially when compared with the professionalism at the PG.


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Resources >> Browse Articles >> Career Advancement
Immediate Openings: Role Models and Mentors
Laura Wisniewski RN, BS, CIC
After successfully leaping over the hurdles of nursing school acceptance, care plans, case studies, exams, clinical rotations, state boards and job interviews; graduate nurses may find themselves lost in the gap. The gap is the danger zone between theory taught in nursing school and the real world of nursing.
Nursing socialization can be very intimidating to a new nurse. The responsibilities are great and much is expected in a very short time. Think back for a moment, to your first job as a nurse; after the initial honeymoon phase, how long was it before reality shock set in? Role models and mentors can help navigate the rough waters of this transition process.
Unfortunately, there are still some nurses that sabotage, instead of nurture graduate nurses. These individuals serve as horrible examples of what not to do. In nursing literature the unpleasant stereotype; "nurses eat their young", has been replaced with other terms such as lateral violence, horizontal violence or bullying. No matter the name, the behavior remains the same and poses a threat to retention. Exceptional role models and mentors are willing to intervene and serve as advocates.
A role model and mentor
I was a new ER nurse, eager and easily excitable. Each time a patient had a PVC on the cardiac monitor, I would have one too.
Trudy could handle anything that came through the door. She knew things. Doctors listened when she spoke. No matter how crazy busy it got, she treated every patient in the emergency room as if they were the only patient. Yet she still had the time, energy and patience to show me the ropes.
She could run a code on one of the nursing units while the doctor was busy with another cardiac arrest in the ER. She knew when a middle aged man complaining of a "funny feeling" was having a heart attack. Trudy could tell if a woman in labor would make it to the OB department or if she needed to set up for an emergent delivery. I witnessed her calming aggressive intoxicated patients with the tone of her voice. She held the hands of dying patients and hugged strangers who had just lost a loved one.
One evening a young father carried his ten month old, dusky colored daughter though the double doors of the department. As I started to rush toward them, Trudy stopped me before I had a chance to move. She quickly handed me a surgical mask and told me; "That baby has meningitis." Her diagnosis was later confirmed. Trudy simultaneously cared for the child, the parents and her protégé.
I told myself, that one day I wanted to be just like her. I have spent my career attempting to keep that promise. I encourage every experienced nurse to become a Trudy for a generation of new nurses.


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"My other weak-in-the-knees scent is anything that conjures the ambiance of a fireplace. Santal 33 fits the bill. Every time I wear this sandalwood and fig fragrance I get compliments." –Jane Larkworthy, Beauty Director
"Dior's done a lot of great scents, but this one is widely considered his?and by his, I mean Mr. Dior's, not Mr. Galliano's?crowning achievement. This mix of lily of the valley, ylang-ylang, jasmine, and lilac is the most elegant white floral I know. When I'm going black tie, I'm going Diorissimo." –Jane Larkworthy, Beauty Director
"When it launched in the late Eighties or early Nineties, L'Eau d'Issey caused a sensation with its groundbreaking bouquet?outdoorsy, clean, and intoxicating is the only way to describe it. It was all I wore through most of my twenties, much to my then-boss's chagrin. She was a Shalimar lady. Need I say more?" –Jane Larkworthy, Beauty Director
"Refreshing is the first word that comes to mind when smelling this green, balsamy mix of galbanum, may rose, iris, and vetiver. I once spilled an entire bottle while traveling through France by train. The ubiquitous smell drove my companion crazy, but it didn't diminish my love in the slightest." –Jane Larkworthy, Beauty Director
"This rare combination of woody, jasmine, and citrus notes can best be described as warm, soft, and understated?kind of like a camel-colored Hermès cashmere blanket." –Jane Larkworthy, Beauty Director
"Vetiver is primarily used in men's scents, but lately it's been creeping into more and more women's. My favorite is Annick Goutal Vetiver. It's one of my summer scents. I wear it when I'm in something crisp, cotton, and?usually?white." –Jane Larkworthy, Beauty Director
"This fragrance smells like the most intoxicating flower shop. The lilac-based juice also contains green and watery (aka ozonic) notes. It's happy, clean, and very feminine." –Jane Larkworthy, Beauty Director
"While I detest most "holiday" fragrances, sprays, and candles, I swoon over the smell of pine trees. Mandy Aftel managed to capture that element of nature perfectly." –Jane Larkworthy, Beauty Director
"Sometimes white florals contain too much rose or other cloying notes, which make me think they shouldn't even be called white florals. But other times they're enhanced with a divine scoop of green?be it grass, hedgerow, or even moss?and I'm in heaven. Privet Bloom is that heaven." –Jane Larkworthy, Beauty Director


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Well, I'm slowly getting back into the swing of things as I recover. I'm currently working on the next issue of Masks No More and here is a preview of the villain team that's going to take on half of the Atlanta Knights plus Dragonphyre:
The Peacemakers
Left to right: Madame Butterfly; Pax; Black Vitae; and War Cry.
New Villain Team for an Upcoming Issue of Masks No More
We have a lot of talented artists who frequent these forums. This is the place for them to show off their stuff.
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- cobalt-blue
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- Location: Russell, KY
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The Black River Wilderness Park was a former business of the Rama First Nation. Shut down after the 2009 camping season, it was coverted to the community's Powwow Grounds for the Annual 2011 Gathering. Rama First Nation held it's 25th Annual Thanksgiving Powwow at the Mnjikaning Arena Sports Ki (MASK) in October 2010. For the 2011 season the Annual Gathering was moved to the 4th weekend in August so that Dancing, Drumming and Singing could take place under the open sky.
The capital of Canada is Ottawa, in the province of Ontario. There are offically ten provinces and three territories in Canada, which is the second largest country in the world in terms of land area.While politically and legally an independant nation, the titular head of state for Canada is still Queen Elizabeth.On the east end of Canada, you have Montreal as the bastion of activity. Montreal is famous for two things, VICE magazine and the Montreal Jazz Festival. One is the bible of hipster life (disposable, of course) and the other is a world-famous event that draws more than two million people every summer. Quebec is a French speaking province that has almost seceded from Canada on several occasions, by the way..When you think of Canada, you think of . . . snow, right?But not on the West Coast. In Vancouver, it rains. And you'll find more of the population speaking Mandarin than French (but also Punjabi, Tagalog, Korean, Farsi, German, and much more).Like the other big cities in Canada, Vancouver is vividly multicultural and Vancouverites are very, very serious about their coffee.Your standard Vancouverite can be found attired head-to-toe in Lululemon gear, mainlining Cafe Artigiano Americanos (spot the irony for ten points).But here's a Vancouver secret only the coolest kids know: the best sandwiches in the city aren't found downtown. Actually, they're hidden in Edgemont Village at the foot of Grouse Mountain on the North Shore."It's actually worth coming to Canada for these sandwiches alone." -- Michelle Superle, VancouverText by Steve Smith.


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Editor's Note: TheStreet ratings do not represent the views of TheStreet's staff or its contributors. Ratings are established by computer based on metrics for performance (which includes growth, stock performance, efficiency and valuation) and risk (volatility and solvency). Companies with poor cash flow or high debt levels tend to earn lower ratings in our model. NEW YORK ( TheStreet) -- Regeneron Pharmaceuticals (Nasdaq: REGN) hit a new 52-week high Wednesday as it is currently trading at $189.19, above its previous 52-week high of $188.95 with 296,062 shares traded as of 10:40 a.m. ET. Average volume has been 734,600 shares over the past 30 days. Regeneron has a market cap of $17.03 billion and is part of the health care sector and drugs industry. Shares are up 8.1% year to date as of the close of trading on Tuesday. Regeneron Pharmaceuticals, Inc., a biopharmaceutical company, discovers, invents, develops, manufactures, and commercializes medicines for the treatment of serious medical conditions in the United States and internationally. The company has a P/E ratio of 26.4, above the S&P 500 P/E ratio of 17.7.
- EXCLUSIVE OFFER: Jim Cramer's Protégé, Dave Peltier, only buys Stocks Under $10 that he thinks could potentially double. See what he's trading today with a 14-day FREE pass.


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To oldsock. Its just soap, so i assumed they were, so i brought them. Now i think the police might be coming for an assembly on friday because of it... 2 WEEKS AFTER. I STILL DONT KNOW IF IM IN TROUBLE
To oldsock. Its just soap, so i assumed they were, so i brought them. Now i think the police might be coming for an assembly on friday because of it... 2 WEEKS AFTER. I STILL DONT KNOW IF IM IN TROUBLE
"I could really use a pineapple free pizza from the future right now..."
It's a pity but you'll see them again soon, just enjoy the break :P
And npnp and tyty, replied to these while taking a break from the work :P
Best signature ever
Would be fun if you or anyone else wanted to hop on. I can invite seven people to my island. It's pretty crappy, so I don't really care if you know what you're doing or are at all active. Just kind of boring playing by myself...
Old news. But im not in trouble with the soap crap. (I know since a cop came for an assembly and didn't mention anything. So yeah im in the clear.
Anyways yeah... were doing shooter training i think next week. We get to attack now.
Also... not to be rude but, who stills plays minecraft? Like online in a server
Choir was something my teachers said i should do. But im not doing it. Especially not at the age where when ever i need to make my voice higher it comes out as a screech. I hope you get in TheArctic
"I could really use a pineapple free pizza from the future right now..."
Choir is something noone has ever and will ever recommend for me. The simplest way to explain my voice is "monotone".
Best signature ever
[QUOTE=Oldsock (IGN);2537697]Happy Birthday! And Happy Anniversary!
Thank you so much. Its my pleasure to be in this forum. Had a great day and we enjoyed a lot. It was not just an other day. It was a memorable one.
Feeling grateful for your wish. Thanks once again.
A friend is the one, who is always there for you every time you need him. A friend who is always with you whenever you need his attention. Friend is a most valued possession in our lives.
Hello, I'm bharathi. I'm a system analyst living in Velachery, India. I am a fan of photography, writing, and outdoors.
I didn't really expect anyone to be interested though, just figured it'd be worth a shot....
- - - Updated - - -
Maybe I should become a noise music artist?
Last edited by Lollipopper; 02-24-2018 at 12:46 PM.
NO DIRT=NO GROWIGN: QKhanh2308
Also just an update, passed my driving test today! Got my P-Plates!
Best signature ever
Yeah, it's the new official launcher. It came out like a year ago. Looking into it, I guess the old launcher actually had the profile switching as well(?), now it's just... easier to use or something. But yeah, I don't think a modded game would be much a problem.
I just took a practice SAT and I got a 1390, so that's pretty nice. 3 months until the real deal.
I'm feeling extremely nostalgic right now
tb to when forums were fun
I'm doing alright, I guess I can call it that.
It's... more of an up and down slope of feeling down in the dumps and feeling elated because someone very dear to me talks to me. It makes me feel blessed lolol
Today it rained. I was happy about that, rain is calming to me -w-.
I also kinda got sad because the thought of not being able to say goodbye to my friends in these forums hangs around in my head every other day. This forum is dead, and I accept that, but I regret not being able to recover my password fast enough, and therefore, losing contact with everyone. Ahh;;;
We all get through somehow..


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Wildlife is most active in the Narus Valley during early mornings and late afternoon - 6am and 4pm are optimum times to set off on game drives. You are advised to use a ranger at all times; they will help you spot some of the park's lions that may be sitting on the valley's various rocks. Other wildlife includes elephants, leopard, bush duiker, jackal, bushbuck, bush pig, Kavirondo bush baby, buffalo and much more.
Kidepo Valley Scenic Drive
Though wildlife is scarce in the arid Kidepo Valley, the hour-long drive to Kanangorok Hot Springs passes some magnificent landscapes. North of Apoka, beyond the river crossing, the road passes between rock outcrops and hills before descending into the Kidepo Valley, crossing the Kidepo Sand River and traversing open plains that extend past Kanangorok Hot Springs towards mountains across the Sudanese border. This is the part of the park where ostriches are most commonly seen.


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Perhaps the most private, elusive person within the bitcoin world — founder Satoshi Nakamoto — now has no privacy at all — if indeed he is the founder.
Newsweek\'s Leah McGrath Goodman published a story Wednesday claiming she located the real Satoshi Nakamoto, 64, a Japanese-American man whose birth name is indeed Satoshi Nakamoto and lives in California. He changed his name to \"Dorian Prentice Satoshi Nakamoto\" at age 23 and is passionate about model trains, she reports.
Reporters promptly camped outside the residence and tweets are out that Nakamoto has traveled by car to downtown LA, that he\'s denied being the Bitcoin founder, and that he had a free lunch with an AP reporter.
The Los Angeles Times reported that Nakamoto denied being Bitcoin\'s creator in a brief interview.
Follow along here:
Goodman\'s story even has a photo of his house and car (silver Toyota Corolla CE), which is apparently clear enough for people to pinpoint his exact location.
Goodman went to Nakamoto\'s house near Los Angeles and managed to briefly speak with him. She writes:
Now face to face, with two police officers as witnesses, Nakamoto\'s responses to my questions about Bitcoin were careful but revealing.
Tacitly acknowledging his role in the Bitcoin project, he looks down, staring at the pavement and categorically refuses to answer questions.
\"I am no longer involved in that and I cannot discuss it,\" he says, dismissing all further queries with a swat of his left hand. \"It\'s been turned over to other people. They are in charge of it now. I no longer have any connection.\"
Goodman interviewed several of his family members and the article laid out details about his heritage (\"descended from Samurai and the son of a Buddhist priest\"), his family (\"Nakamoto has six children\"), his hobbies (\"lifelong interest in collecting model trains\"), his health (\"he suffered a stroke several months ago and before that he was dealing with prostate cancer\") and his career path.
Goodman\'s story estimated the value of Nakamoto\'s bitcoins at $400 million. But he apparently has never cashed in on them, notwithstanding his modest lifestyle.
The airing of Nakamoto\'s private life didn\'t sit too well with many bitcoin enthusiasts, who took to the virtual streets to express their outrage.
Here\'s a tweet sent from the account of Gavin Andresen, a lead developer on the bitcoin code and who was quoted in the story, that was retweeted 836 times as of writing this post.
The hashtags #iamsatoshi and #WeAreSatoshi appeared in tweets more than 700 times each, according to Topsy analytics.
Several of the top posts on the bitcoin subreddit were about the article. One redditor, bruce_fenton, said he would arrange for a charter plane to pick up Satoshi Nakamoto and his family and take them to a safe house. \"Satoshi, if you are out there, we stand with you,\" the post reads.
Others flocked to explore the Internet footprint of Dorian S. Nakamoto, which is the name he goes by, according to the article. Redditor J32926 pointed to Dorian S. Nakamoto\'s Amazon reviews, filled with dubious spelling and capitalization, and Redditor PossibleGenius amassed a series of links, including this post about model trains on a Yahoo Groups discussion board.
— Saumya Vaishampayan
Follow Saumya @saumvaish
Read more on MarketWatch:
\'Straight to hell\': @GSElevator loses his book deal
What to look for in February\'s jobs report


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A Release Preview of Windows 8 arrives this June, another Flashback variant is on the loose, and Firefox 12 and Thunderbird 12 are now live.
- Microsoft Slates Windows 8 'Release Preview' For Early June: Today, Microsoft's top Windows executive stated that they will ship a nearly complete version of Windows 8 in the first week of June. While the company has traditionally named each milestone "release candidate" (RC for short), this build of Windows 8 will be labeled as a "release preview" as a nod to the naming of the earlier editions "Developer Preview" and "Consumer Preview." [Computer World]
- Update those Macs Already! Yet Another Flashback Variant is Out: If you haven't updated your Mac yet, you owe it to yourself to do so immediately as there is another variant that is infecting unprotected Macs. The new variant (known as Flashback.S) still uses the Java vulnerability (which has been patched for a while), however, the recent numbers pulled from Russian antivirus firm Dr. Web last Friday makes it perfectly clear that many Macs (approximately 650,000) are still infected with the malware. [Ars Technica]
- Firefox Release Notes: Firefox 12 is now live, and with it comes a few changes, most notably the bypassing of the UAC (User Account Control) for Windows users (which will never prompt you to install an update again after you accept one initial UAC prompt). In addition, Page Source now contains line numbers, various security fixes are present, and a few more minor tweaks have been added to the popular Web browser. Mozilla Thunderbird 12 was also released today, containing various security fixes and other minor tweaks as well. [Firefox]
- Samsung Details Android 4.0 Phone, Tablet Upgrades For U.S. Carriers: Today, Samsung posted a list that detailed which Samsung phones and tablets will receive an upgrade to Android 4.0 (Ice Cream Sandwich). T-Mobile USA currently does not have any specific upgraded devices in the list, while the other three major providers have a few devices (some we did not know about prior to the list) that will receive the highly-anticipated upgrade. [Computer World]
- Galaxy Nexus Now on Sale in Google Play: If you want to purchase a Galaxy Nexus phone, it is now easier than ever thanks to Google Play. Today, Google made the announcement that Galaxy Nexus phones are now available in the Google Play web store, allowing you to purchase an unlocked Nexus device for approximately $399. [Google]
- The HackStore: Think of it as Cydia for the iOS, but on a Mac operating system. The HackStore, an app store that allows you to purchase apps for your Mac that you would not be able to find anywhere else in the official Mac AppStore is now available for users to browse. It promises to be supplemented on a regular basis, and will feature a built-in update, allowing users to upgrade to the latest version of an app quickly and easily. [HackStore]
- Cloud Drive Price Comparison: Amazon, Apple, Google, Box, Dropbox, Skydrive and SugarSync: For those that have been wondering which cloud hosting service provides the best deal, a comparison of cloud drive services has been created. The comparison gives a general ideas as to which service you should choose, depending on how many gigabytes of space you actually need. [ghacks]


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Posted: Tue Jul 24, 2007 10:01 am
Discussion for learners and teachers of English
no problem then just enjoy :DRasheed wrote:It's good, but I can't continue….
I know it from Four Weddings and a Funeral!Tora wrote:You know I can't post it with angels in the background - I'm just unable :( but this one is quite famous
Stop all the clocks. Cut off the telephone.
Prevent the dog from barking with a juicy bone,
Silence the pianos and with muffled drum
Bring out the coffin, let the mourners come.
Let the aeroplanes circle moaning overhead
Scribbling in the sky the message He Is Dead,
Put crepe bows round the white necks of the public doves,
Let the traffic policemen wear black cotton gloves.
He was my North, my South, me east and West,
My working week and my Sunday rest,
My noon, my midnight, my talk, my song;
I thought that love would last forever: I was wrong.
The stars are not wanted now; put out every one;
Pack up the moon and dismantle the sun;
Pour away the ocean and sweep up the wood;
For nothing now can ever come to any good.
My simple suggestion is: Be alone.bambang wrote: What's the suitable title? Any idea?
so deep.krisi wrote:WHISPER
I want to leave this place
Just to get away and feel the breeze upon my face
And just be myself
By leaving this place behind and everything else.
As I sit here in this chair
I feel this emptiness inside my soul
Praying that questions will be answered for the stories in my life untold
As I stare out my window thinking about my past
I think of how I used to be and why it didn't last
Everyday I walk around with a fake smile
Knowing that the pain inside of me will hurt only for a little while
Sometimes when I'm alone I want to cry
And other times I want to crawl inside myself and die
As I think to myself
I feel that I will never grow up, never containing my insanity
Because of the thoughts and criticism of the people around me
One day I will understand
The Lord's Plan
That He has for me
In this world of hatefulness and cruelty
And let go of the pain that is holding on inside me.
By: Anya M. Washington


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Subject: Bank Use of Foreign-Based Third-Party Service Providers
Date: May 15, 2002
To: Chief Executive Officers of All National Banks, Federal Branches and Agencies, Service Providers, Software Vendors, Department and Division Heads, and All Examining Personnel
Description: Risk Management Guidance
As of October 30, 2013, this guidance applies to federal savings associations in addition to national banks.*
This bulletin provides guidance to national banks on managing the risks that may arise from their outsourcing relationships with foreign-based third-party service providers.1 It also addresses the need for a national bank to establish relationships with foreign-based third-party service providers in a way that does not diminish the ability of the OCC to access, in a timely manner, data or information needed to effectively supervise the bank's operations.
This bulletin supplements previously issued OCC and interagency guidance on outsourcing relationships with third parties.2
National banks are increasingly using third-party servicers to provide support for core information and transaction processing functions, including loan and deposit processing, electronic funds transfer, payroll processing, merchant processing, mortgage servicing and customer call centers. With the rapid evolution of financial technology, many national banks also are using third-party relationships to implement new business applications, such as Internet banking services, electronic bill payment and presentment, account aggregation, and digital certification.
Although national banks generally use domestic third-party service providers, the increasing globalization and cross-border linkages of the financial services industry may lead some banks to look to make greater use of foreign-based service providers for processing information and transactions with respect to both domestic and international customers.
Although generally permissible, a national bank's use of foreign-based third-party service providers may raise unique strategic, reputation, credit, liquidity, transaction, country, and compliance risk issues that require additional risk management oversight efforts. As discussed below, national banks should take into account the need for appropriate risk assessment, due diligence, protective contract provisions, and monitoring and oversight processes before entering into a contract with a foreign-based third-party service provider.
Policy on National Bank Use of Foreign-Based Third-Party Service Providers
As with domestic outsourcing arrangements, the board of directors and senior management are responsible for understanding the risks associated with the bank's outsourcing relationships with foreign-based service providers and ensuring that effective risk management practices are in place. In addition, management should assess how the relationship with a foreign-based service provider supports the bank's strategic goals and how the bank will manage the relationship on an ongoing basis.
Specifically, before a national bank contracts for the services of a foreign-based service provider, it should properly assess the associated risks and exercise appropriate due diligence, including careful consideration of contract matters and choice of law and forum provisions. Additionally, the bank should have in place sufficient risk management policies, performance monitoring and oversight processes, expertise, and access to critical information to enable it to properly oversee the risks of the outsourcing relationship, including country and compliance risks.
Country Risk
Compliance Risk
Due Diligence
Choice of Law. Before entering into an agreement or contract with a foreign-based service provider, national banks should carefully consider which country's law they wish to control the relationship and then insert choice of law covenants and jurisdictional covenants that provide for resolution of all disputes between the parties under the laws of a specific jurisdiction.
Contracts that include choice of law and jurisdictional covenants will help to ensure continuity of service, to maintain access to data, and to protect nonpublic customer information. Such contracts and covenants, however, can be subject to interpretation of foreign courts relying on local laws. These local laws may substantially differ from U.S. laws in how they apply and enforce choice of law covenants, what they require of banks, and how they protect bank customers. Therefore, as part of its due diligence process, a bank before entering into a proposed contract with a foreign-based service provider should obtain a legal review from someone experienced in that country's laws regarding the enforceability of all aspects of the subject contract and any other legal ramifications.
Confidentiality of Information. Bank management should ensure that any contract with a foreign-based third-party service provider prohibits the service provider from disclosing or using bank data or information for any purpose other than to carry out the contracted services. The contract should state that all information shared by the bank with the foreign-based third-party service provider, regardless of how the service provider processes, stores, copies, or otherwise reproduces it, remains solely the property of the bank. Also, any sharing of nonpublic customer-related information from U.S. offices with a foreign-based third-party service provider must comply with the OCC's privacy regulation, including requisite disclosures to and agreements with customers who would be affected by the bank's relationship with that provider.10 Further, contracts between a national bank and a foreign-based service provider must include a provision requiring the service provider to implement security measures that are designed to safeguard customer information.11
The bank should not share any nonpublic OCC information, such as an examination report, with a foreign-based service provider except with express OCC approval. Such nonpublic OCC information remains the OCC's property, and the bank should take all required measures to protect the information's confidentiality.
Monitoring and Oversight
Bank management should ensure that it has sufficient expertise to perform the oversight function. As part of this function, the bank should evaluate independent audit reports prepared by the service provider's audit staff, external audits and reviews (for example, SAS 70 reviews13), and internal reports provided by the bank's own auditors.14
Access to Information
OCC Access to Information. A national bank's use of a foreign-based third-party service provider and the location of critical data and processes outside U.S. territory must not compromise the OCC's ability to examine the bank's operations. Accordingly, the OCC expects a national bank to establish such a relationship in a way that does not diminish the OCC's access to data or information needed to supervise the bank.
For this reason, a national bank should not outsource any of its information or transaction processing to third-party service providers that are located in jurisdictions where the OCC's full and complete access to data or other information may be impeded by legal, regulatory, or administrative restrictions unless copies of all critical records also are maintained at the bank's U.S. offices.
Further, copies of the results of the bank's due diligence efforts and regular risk management oversight, performance and audit reports on the foreign-based third-party service provider, as well as all policies, procedures, and other important documentation relating to the bank's relationship with the service provider, should be maintained in English for review by examiners at the bank's office(s).
OCC Supervision
If circumstances warrant, the OCC may examine a national bank's outsourcing arrangement with a foreign-based service provider. If the provider is a regulated entity, then the OCC may arrange through the appropriate foreign supervisor(s) to obtain information related to the services provided to the bank and, if significant risk issues emerge, to examine those services.
As with outsourcing relationships with domestic third-party service providers, a national bank's board of directors and management are responsible for ensuring that the bank effectively oversees any relationships with foreign-based third-party service providers. Before a bank contracts for the services of such a provider, it should properly assess the associated risks and carry out appropriate due diligence, including careful consideration of contract matters and choice of law and forum provisions. Additionally, the bank should have sufficient policies, practices, expertise, and access to critical information to enable it to oversee the risks of the outsourcing relationship, including ensuring compliance with U.S. and foreign laws.
Questions regarding this bulletin should be addressed to Hugh Kelly, Special Advisor for Global Banking, Global Banking & Financial Analysis at (202) 874-4730, or John Carlson, Senior Advisor, Bank Technology Division at (202) 649-6340.
Emory W. Rushton
Jonathan L. Fiechter
1 The term "foreign-based third-party service providers" refers to third parties whose servicing operations are located in a foreign country and subject to the law and jurisdiction of that country. Accordingly, this definition would not include a U.S.-based subsidiary of a foreign firm because its servicing operations are subject to U.S. laws. It would include U.S. service providers to the extent that their actual servicing operations are located in or outsourced (e.g., subcontracted) to entities domiciled in a foreign country and subject to the law and jurisdiction of that country. Also, this bulletin applies to international branches of U.S. national banks that use third-party service providers domiciled in the same foreign country or in another foreign country.
2 This bulletin should be used in conjunction with the following OCC issuances: OCC 2001–47, "Third-Party Relationships: Risk Management Principles" (November 2001); OCC Advisory Letter 2000–12, "FFIEC Guidance on Risk Management of Outsourced Technology Services" (November 2000); and OCC 2001–8, "Guidelines Establishing Standards for Safeguarding Customer Information" (February 2001).
3 The Comptroller's Handbook "Country Risk Management" (October 2001), and the Interagency Statement on "Sound Risk Management Practices for Country Risk" (March 2002) describe the elements of an effective country risk management process.
4 In this regard, national banks using foreign-based service providers should be aware of Section 319 of the USA Patriot Act, Pub.L. No. 107–56 (Oct. 26, 2001) that requires banks to make information on anti-money laundering compliance by the bank or its customers available within 120 hours of a government request.
5 The Office of Foreign Assets Control of the U.S. Department of the Treasury administers and enforces economic and trade sanctions against targeted foreign countries, organizations sponsoring terrorism, and international narcotics traffickers based on U.S. foreign policy and national security goals. For more information, refer to the OFAC Web site at [http://www.treas.gov/ofac/].
6 Banks should be aware that some foreign jurisdictions may have data privacy laws or directives that apply to information transferred from the United States to that foreign jurisdiction over the Internet or to information "collected" within the foreign jurisdiction using automated or other equipment in that jurisdiction.
7 OCC 2001–47 and OCC Advisory Letter 2000–12 identify factors that banks should consider when performing due diligence on potential third-party service providers.
8 OCC 2001–47 provides additional guidance on factors that national banks should consider when entering into a binding contract.
9 12 USC 1867(c) sets forth OCC's authority to examine third-party service providers.
10 See OCC Bulletin OCC 2000–21, "Privacy Rules and Regulations" (June 20, 2000); and 12 CFR Part 40, "Privacy of Consumer Financial Information," which was published in the Federal Register on June 1, 2000 at 65 FR 35162.
11 See section 501(b) of the Gramm–Leach–Bliley Act, 15 USC 6801(b), and the "Interagency Guidelines Establishing Standards for Safeguarding Customer Information" contained in 12 CFR Part 30, appendix B.
12 OCC 2001–47 and OCC Advisory Letter 2000–12 provide additional guidance regarding oversight of third-party relationships.
13 AICPA Statement of Auditing Standards 70, "Reports of Processing of Transactions by Service Organizations," known as SAS 70 Reports, are one form of external review. Type II SAS 70 reports review the service provider's policies and procedures and provide tests of actual controls against policies and procedures.
14 Based upon the bank's own risk assessment, the bank should monitor its service providers to confirm that they adequately safeguard bank customer information. As part of this monitoring, a bank should review audits, summaries of test results, or other equivalent evaluations of its service providers. See 12 CFR 30, appendix B, III.D.3.
15 In instances where the national bank's foreign branches have outsourced local operations or services cross-border to third-party service providers domiciled in another foreign country, copies of such records can be maintained at the bank's foreign branch office.
* References in this guidance to national banks or banks generally should be read to include federal savings associations (FSA). If statutes, regulations, or other OCC guidance is referenced herein, please consult those sources to determine applicability to FSAs. If you have questions about how to apply this guidance, please contact your OCC supervisory office.


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Haven't updated in a long time, but since people have been asking about my blog recently, I started missing it. Here's a quick post!
A couple of weeks ago, my GFs and I finally made it out to EMC, the new hot spot right in the heart of my hometown, Ktown. We ordered a good range of dishes: garlic brussels sprouts, fries with truffle mushroom aioli, crispy jalapeno chicken wings, crab cakes, lobster roll, uni pasta, two dozen oysters, ankimo (monkfish liver with garlic ponzu), stewed lemongrass mussels, congee with abalone, wine, wine, champagne, and wine. I'm pretty sure I'm forgetting something. Six girls can do a lot of damage!
EMC did NOT disappoint! And we have a few memories to last.


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Question: What is SAP R/3?
A third generation set of highly integrated software modules that performs common business function based on multinational leading practice. Takes care of any enterprise however diverse in operation, spread over the world. In R/3 system all the three servers like presentation, application server and database server are located at different system. Source: CoolInterview.com
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Latest 20 Questions
Payment of time- barred debt is:
(a) Valid
(b) Void
(c) Illegal
(d) Voidable
Consideration is defined in the Indian Contract Act,1872 in: (a) Section 2(f) (b) Section 2(e) (c) Section 2(g) (d) Section 2(d)
Which of the following is not an exception to the rule, "No consideration, No contract": (a) Natural love and affection (b) Compensation for involuntary services (c) Completed gift (d) Agency
Consideration must move at the desire of: (a) The promisor (b) The promisee (c) The promisor or any other party (d) Both the promisor and the promisee
An offer which is open for acceptance over a period of time is: (a) Cross Offer (b) Counter Offer (c) Standing Offer (d) Implied Offer
Specific offer can be communicated to__________ (a) All the parties of contract (b) General public in universe (c) Specific person (d) None of the above
_________ amounts to rejection of the original offer. (a) Cross offer (b) Special offer (c) Standing offer (d) Counter offer
A advertises to sell his old car by advertising in a newspaper. This offer is caleed: (a) General Offer (b) Special Offer (c) Continuing Offer (d) None of the above
In case a counter offer is made, the original offer stands: (a) Rejected (b) Accepted automatically (c) Accepted subject to certain modifications and variations (d) None of the above
In case of unenforceable contract having some technical defect, parties (a) Can sue upon it (b) Cannot sue upon it (c) Should consider it to be illegal (d) None of the above
If entire specified goods is perished before entering into contract of sale, the contract is (a) Valid (b) Void (c) Voidable (d) Cancelled
______________ contracts are also caled contracts with executed consideration. (a) Unilateral (b) Completed (c) Bilateral (d) Executory
A offers B to supply books @ Rs 100 each but B accepts the same with condition of 10% discount. This is a case of (a) Counter Offer (b) Cross Offer (c) Specific Offer (d) General Offer
_____________ is a game of chance. (a) Conditional Contract (b) Contingent Contract (c) Wagering Contract (d) Quasi Contract
There is no binding contract in case of _______ as one's offer cannot be constructed as acceptance (a) Cross Offer (b) Standing Offer (c) Counter Offer (d) Special Offer
An offer is made with an intention to have negotiation from other party. This type of offer is: (a) Invitation to offer (b) Valid offer (c) Voidable (d) None of the above
When an offer is made to the world at large, it is ____________ offer. (a) Counter (b) Special (c) General (d) None of the above
Implied contract even if not in writing or express words is perfectly _______________ if all the conditions are satisfied:- (a) Void (b) Voidable (c) Valid (d) Illegal
A specific offer can be accepted by ___________. (a) Any person (b) Any friend to offeror (c) The person to whom it is made (d) Any friend of offeree
An agreement toput a fire on a person's car is a ______: (a) Legal (b) Voidable (c) Valid (d) Illegal


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ADT: Chan in driver's seat on OOM
Tue 17 Apr 2018
Chan aims to reignite unforgettable memories at the Panasonic Open Championship
Fri 21 Apr 2017
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Mon 17 Apr 2017
Chan to bank on winning memories
Fri 24 Mar 2017
Tour stars to resume title hunt in Japan
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- Color display - Patented Autocappuccino System: get your perfect Cappuccino, the Italian Caffelatte, Latte Macchiato, frothed milk and chocolate - Personalising and memorizing coffee as often as you like has never been easier. You can choose to have a short, medium or long coffee, and to taste a strong or extra mild aroma, enjoying it piping hot or at medium temperature. - Multiple profile settings - Dedicated chocolate jug - Thermal milk jug - Cappuccino device - Long coffee mode button - The machine can be used with either coffee beans or ground coffee - You can prepare two cups of coffee with a single brewing - Removable brewing unit with variable capacity - Integrated silent coffee grinder with 13 adjustable grinding settings - Adjustable coffee quantity - Adjustable water quantity - Electronic temperature control - Pre-brewing - Coffee outlet height: from 88 to 140 mm - Programmable automatic switch-on and stand-by - Empty water and empty bean container indicator - Brewed coffees counting - Coffee-grounds container capacity indicator: 14 cups or after 72 hours from first use - Removable water reservoir with overall capacity of 1.4 L - Water filter - Cleaning warning for cappuccino system - Rinse and decalcification auto-programmes - Programming of water hardness - Cup warmer - Removable drip tray with water level indicator - Power supply switch for zero consumption - Sound feedback
© De'Longhi Appliances S.r.l. - Via L. Seitz, 47, 31100 Treviso, Italy - All rights reserved


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Hello, Friend!
Divek Raj
John Doe
Malcam Prasad
This is our fourth gathering of like-minded value investors or Warren Buffett wannabes, to meet up, mingle, bond and share about value investing knowledge! There will also be a free exclusive preview of a company being analyzed by the analyst team!
Due to limited space in our venue, therefore we are limiting to a total of 10 pax! Therefore whilst stocks last!!!
-Mingle and meet other investors!
-Share & learn about the art of value investing!
-Analyze a company in detail using 3R principles and identify whether it is undervalued and worthy to invest!
-Proposal by audience of companies for analysis (You propose, if it is accepted we will do the analysis and present on our next meetup!)


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Boys' sweatshirt with knit inserts
Scuderia Ferrari Store Exclusive
Featuring inserts in contrasting materials and colors, this sweatshirt is embellished with a large print as a tribute to the Maranello team.
Also ideal for everyday, the cotton sweatshirt features a rich design. The knit inserts embellish the collar, cuffs, and hem, while contrasting stripes emphasize the lines of the shoulders and elbows. The front of the sweatshirt features the large print dedicated to the Scuderia Ferrari team, enhanced by the special embroidery work.
- Crew neck
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- Composition: 100% Cotton
We offer both Standard and Express shipping: choose the service that best meets your needs at checkout.
We provide an easy return service: just ship your items back to us with a shipping service of your choice within 30 days of delivery.


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With the Easter holiday fast approaching, Sacred Heart Catholic Church is preparing for the many services involved in Holy Week, which started off with Palm Sunday on March 24.
"Well it (Holy Week) starts with Palm Sunday, and we had that already," Pastoral Minister Tammy Norcross said. "The next big celebration will be Holy Thursday. We'll celebrate Holy Thursday with a service at 7 p.m. In that service, we commemorate the Last Supper, and during that service we also have a procession of the holy oils that are used throughout the year. We receive those oils from the bishop."
The holy oils she is referring to are made up of three kinds of oils.
"The oils are used for anointing of the sick. "We have three kinds of oils," Norcross said. "For the oil of the catechumens, that oil is used in the preparation of baptism. The other oil is the Sacred Chrism. The Chrism is used for baptism, for the ordination of a priest, deacon, or for confirmation."
Norcross said the Bishop consecrates the oil and they "have a special procession." She also said they display the oils all year.
"We get a new supply (of oils) every year," Norcross said.
Another important part of Holy Thursday is honoring the moment when Jesus washed the feet of His disciples.
To commemorate that moment, Norcross explained, the priest and deacon wash the feet of a couple of people in attendance to demonstrate their commitment to serve as Jesus did.
Out of all the activities on Holy Thursday, Norcross said she enjoys Thursday's Garden of Repose.
"We progess out of the church with the communion into a what we call a Garden of Repose," Norcross said. "Repose would be a resting place where we take communion there. People are also invited to stay and pray in that garden. It reminds us of Jesus praying in the Garden of Gesemity."
There will be no worries about dealing with the outdoor elements as Norcross said the garden will be inside.
One of the major milestones in Christian history is when Jesus was crucified on Good Friday. To honor his sacrifice, members are invited to carry the cross as Jesus did.
"The main thing that is different for us on that day is it's a little more somber in our liturgy," Norcross said. "The (other) main thing that's different at that liturgy is we invite people to venerate the cross."
Although Holy Week has many services, for Catholics, the Easter Vigil on Saturday is the biggest part of the week.
"For the Catholic Church, the Easter Vigil is the biggest thing, and that's Saturday, the night before," Norcross said. "Our Mass, at the Vigil starts at 8 p.m., and we start outside with the Easter Fire, weather permitting. We start the Easter Fire and light our Paschal Candle, which is our big Easter candle. That candle represents represent Christ as the light of the world. People (re-enter) into the church, and it's dark. (Only the) light of Christ is leading the way into the dark church. Showing how Jesus overcame darkness, how the light of Christ overcomes darkness of death, sin and evil."
Norcross said the sight of seeing a room lit by candles is very uplifting.
"So they are lit off that Easter candle, so that light just spreads through the dark church, and everybody is just holding a candle," she said. "It's really pretty awesome."
At the Easter Vigil, Norcross said attendees are reminded of their salvation history, which covers Creation to Christ resurrection. People are also invited to renew their baptismal commitment.
Sacred Heart Catholic Church invites the community to join in the the events celebrating Holy Week. The church is located at 1115 South Eighth Ave E. For more information, call the parish office at (641) 792-2050.
Staff writer Matthew Shepard may be contacted at (641) 792-3121, ext. 425, or at firstname.lastname@example.com.