text:
BlackRock is a global investment manager dedicated to your financial well-being.
- Investor Type Description
- Terms
- Privacy Policy
An individual investor, also known as a retail client, is a client organisation or individual who cannot meet both (i) one or more of the professional client criteria laid down in Annex II to the Markets in Financial Instruments Directive (Directive 2004/39/EC), and (ii) one or more of the qualified investor criteria set out in Article 2 of the Prospectus Directive (Directive 2003/71/EC).
On this website, Intermediaries are investors that qualify as both a Professional Client and a Qualified Investor.
In summary a person who can both be classified as a professional client under the Markets in Financial Instruments Directive and a qualified investor in accordance with the Prospectus Directive will generally need to meet one or more of the following requirements:
(1) An entity required to be authorised or regulated to operate in the financial markets. The following list includes all authorised entities carrying out the characteristic activities of the entities mentioned, whether authorised by an EEA State or a third country and whether or not authorised by reference to a directive:
(a) a credit institution;
(b) an investment firm;
(c) any other authorised or regulated financial institution;
(d) an insurance company;
(e) a collective investment scheme or the management company of such a scheme;
(f) a pension fund or the management company of a pension fund;
(g) a commodity or commodity derivatives dealer;
(h) a local
(i) any other intermediaries investor;
(2) a large undertaking that meets two of the following tests: (i) a balance sheet total of EUR 43,000,000; (ii) an annual net turnover of EUR 50,000,000; (iii) an average number of employees during the year of 250
(3) a national or regional government, a public body that manages public debt, a central bank, an international or supranational intermediaries (such as the World Bank, the IMF, the ECB, the EIB) or another similar international organisation.
(4) a natural person resident in an EEA State that permits the authorisation of natural persons as qualified investors, who expressly asks to be treated as a professional client and a qualified investor and who meets at least two of the following criteria: (i) he/she has carried out transactions on securities markets at an average frequency of, at least, 10 per quarter over the previous four quarters before the application, (ii) the size of his/her financial instrument portfolio, defined as including cash deposits and financial instruments exceeds EUR 500.000, (iii) he/she works or has worked for at least one year in the financial sector in a professional position which requires knowledge of securities investment.
Please note that the above summary is provided for information purposes only. If you are uncertain as to whether you can both be classified as a professional client under the Markets in Financial Instruments Directive and classed as a qualified investor under the Prospectus Directive then you should seek independent advice.
PLEASE READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILIZING THE WEBSITE LOCATED AT www.blackrock.com/lu("WEBSITE"), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS AND THAT YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU ARE NOT AN AUTHORIZED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE.
The information contained on this site is published by BlackRock's group of companies (the "BlackRock Group" or "BlackRock and its Affiliates") and the entities we own or control ("BlackRock" or "we", "us" or "our"). Such information is published in good faith but no representation or warranty, expressed or implied, is made by BlackRock.
This Website is for information purposes only and is not intended to be relied upon as a forecast, research or investment advice. The information on this Website does not constitute a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy.
Nothing contained on this Website constitutes tax, accounting, regulatory, legal, insurance or investment advice. No security shall be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Specifically, the funds described are not available for distribution to or investment by US investors. The units/shares will not be registered under the US Securities Act of 1933, as amended (the "Securities Act") and, except in a transaction which does not violate the Securities Act or any other applicable US securities laws (including without limitation any applicable law of any of the States of the USA) may not be directly or indirectly offered or sold in the USA or any of its territories or possessions or areas subject to its jurisdiction or to or for the benefit of a US Person.
The funds described have not been, nor will they be, qualified for distribution to the public in Canada as no prospectus for these funds has been filed with any securities commission or regulatory authority in Canada or any province or territory thereof. This website is not, and under no circumstances is to be construed, as an advertisement or any other step in furtherance of a public offering of shares in Canada. No person resident in Canada for the purposes of the Income Tax Act (Canada) may purchase or accept a transfer of shares in the funds described unless he or she is eligible to do so under applicable Canadian or provincial laws.
Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold BlackRock, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from your violation of these Terms or from any decisions that the visitor makes based on such information.
The investments and strategies discussed in the Website may not be suitable for all investors and are not obligations of BlackRock or its Affiliates or guaranteed by BlackRock or its Affiliates. BlackRock makes no representations that the contents are appropriate for use in all locations, or that the transactions, securities, products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties. By making available information on the Website, BlackRock does not represent that any investment vehicle is available or suitable for any particular user. All persons and entities accessing the Website do so on their own initiative and are responsible for compliance with applicable local laws and regulations.
All investments involve risk and may lose value. Past performance is not a guide to future performance. The value of investments and the income from them can fall as well as rise and is not guaranteed. You may not get back the amount originally invested. Changes in the rates of exchange between currencies may cause the value of investments to diminish or increase. Fluctuation may be particularly marked in the case of a higher volatility fund and the value of an investment may fall suddenly and substantially. Levels and basis of taxation may change from time to time. BEFORE ACQUIRING THE UNITS/SHARES OF ANY INVESTMENT FUND BY PURCHASE OR EXCHANGE, IT IS YOUR RESPONSIBILITY TO READ THE FUND'S PROSPECTUS OR OFFERING MATERIALS.
Investments can only be made on the basis of a fund's latest prospectus and the most recent annual report containing the audited financial statements, the Key Investor Information Document (KIID)). These documents are available at any time free of charge on this website.
The information and services provided on this Website are provided "AS IS" and without warranties of any kind, either expressed or implied. To the fullest extent permissible pursuant to applicable law, BlackRock disclaims all warranties, including, but not limited to, any warranty of non-infringement of third-party rights and any implied warranties of merchantability and fitness for a particular purpose. BlackRock does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this Website and does not warrant that the functions contained in this Website will be uninterrupted or error-free, that defects will be corrected, or that the Website will be free of viruses or other harmful components. BlackRock expressly disclaims all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the Website.
Please note that you are required to read and accept the terms of our before you are able to access our websites.
Once you have confirmed that you agree to the legal information in this document, and the – by indicating your consent above – we will place a cookie on your computer to recognise you and prevent this page reappearing should you access this site, or other BlackRock sites, on future occasions. The cookie will expire after six months, or sooner should there be a material change to this important information.
By confirming that you have read this important information, you also:
(i) Agree that such information will apply to any subsequent access to the Individual Investors/Institutional clients / Intermediaries section of this website by you, and that all such subsequent access will be subject to the disclaimers, risk warnings and other information set out herein; and
(ii) Warrant that no other person will access the Individual investors section of this website from the same computer and logon as you are currently using.
The funds described in the following pages are administered and managed by companies within the BlackRock Group and are duly registered for marketing with the Commission de Surveillance du Secteur Financier (the "CSSF"), the financial markets regulator in the Grand Duchy of Luxembourg. It is your responsibility to be aware of the applicable laws and regulations of your country of residence. Further information is available in the prospectus or other constitutional document for each fund.
If you are unsure about the meaning of any information provided please consult your financial or other professional adviser.
The information contained on this site is subject to copyright with all rights reserved. It must not be reproduced, copied or redistributed in whole or in part.
The information contained on this site is published in good faith but no representation or warranty, express or implied, is made by BlackRock Investment Management (UK) Limited or by any person as to its accuracy or completeness and it should not be relied on as such. BlackRock Investment Management (UK) Limited shall have no liability for any loss or damage arising out of the use or reliance on the information provided including without limitation, any loss of profit or any other damage, direct or consequential. No information on this site constitutes investment, tax, legal or any other advice.
Where a claim is brought against BlackRock by a third party in relation to your use of this website, you hereby agree to fully reimburse BlackRock for all losses, costs, actions, proceedings, claims, damages, expenses (including reasonable legal costs and expenses), or liabilities, whatsoever suffered or incurred directly by BlackRock as a consequence of improper use of this website. Neither party should be liable to the other for any loss or damage which may be suffered by the other party due to any cause beyond the first party's reasonable control including without limitation any power failure.
You acknowledge and agree that it is your responsibility to keep secure and confidential any passwords that we issue to you and your authorised employees and not to let such password(s) become public knowledge. If any password(s) become known by someone other than you and your authorised employees, you must change those particular password(s) immediately using the function available for this purpose on the Website.
You may leave the Luxembourg website when you access certain links on this website. In so doing, you may be proceeding to the site of an organisation that is not regulated under the Laws of the Grand Duchy of Luxembourg. BlackRock has not examined any of these websites and does not assume any responsibility for the contents of such websites nor the services, products or items offered through such websites.
BlackRock shall have no liability for any data transmission errors such as data loss or damage or alteration of any kind, including, but not limited to, any direct, indirect or consequential damage, arising out of the use of the services provided herein.
This site is operated and issued by BlackRock Investment Management (UK) Limited which is authorised and regulated by the Financial Conduct Authority (Register number 119293). You can gain access to the FCA's rules and guidance notes from the following link: www.fca.org.uk. BlackRock Investment Management (UK) Limited is a company registered in England, No. 2020394. Registered Office: 12 Throgmorton Avenue, London EC2N 2DL. BlackRock is a trading name of BlackRock Investment Management (UK) Limited. VAT No GB 888 4204 87. General enquiries about this website should be sent to email@example.com. This email address should not be used for any enquiries relating to investments.
Last revised: May 11 2018
This Privacy Policy is designed to help you understand what information we gather about you, what we use that information for, and with whom we share that information. It also sets out your rights in relation to your information and whom you may contact for more information or queries. Click on the links below to take you to the more detailed sections of this Privacy Policy:
• To whom this privacy statement applies and what it covers
• About other areas of blackrock.com and BlackRock.com
• What information we collect
• How we use information about you
• The legal grounds we rely on for processing personal information
• To whom we disclose your information
• Protection of your personal information
• How long we keep your information for
• Your rights and how to contact us
• Changes to this privacy statement
To whom this privacy policy applies and what it covers
This privacy policy applies to each member of BlackRock's group of companies (the "BlackRock Group") and the entities we own or control ("BlackRock" or "we", "us" or "our"). For more details on each of us (including our names, registered office addresses and contact details), please click here.
BlackRock recognizes the importance of protecting your personal and financial information and is committed to doing this. This Privacy Policy sets out how we collect, handle, store and protect information about you when:
• we provide products or services to you or our client;
• you visit or use our Website; and/or
• performing any other activities that form part of our business.
When we refer to "our Website" or "this Website" in this Privacy Policy, we mean the specific webpages of blackrock.com or BlackRock.com, and to specific webpages with a URL that begin with or contain blackrock.com/… or BlackRock.com/… .
BlackRock.com and iShares.com are comprised of various global, country or regional websites, each of which is provided by BlackRock.
This Privacy Policy also contains information about when we share your personal information with other members of the BlackRock Group and other third parties (for example, our service providers).
In this Privacy Policy, we may sometimes collectively refer to handling, collecting, protecting and storing your personal information as "processing" such personal information.
Please note that other websites that may be linked to by this Website are not governed by this Privacy Policy. We encourage visitors to review the privacy policy on each of these other websites before disclosing any personal information.
In the course of providing products or services to you or our client and performing due diligence checks in connection with our products or services (or discussing the possible products or services we might provide), we generally collect personal information about you. We also typically collect personal information about you when you visit or use our Website.
We typically collect or obtain your personal information because you give it to us (for example, in a form on our Website) or because other people give that information to us (for example, third party service providers that we use to help operate our Website or your employer where it receives products or services from BlackRock). We may also collect or obtain personal information from you because we observe or infer that information about you from the way you interact with us. For example, if you use our risk management platform, Aladdin, we will generally collect information about you in order to communicate updates to Aladdin functionality and general information about Aladdin. In order to improve your experience when you use this Website and to ensure that it is functioning effectively, we (or our service providers) also use cookies (small text files stored in a user's browser) and web beacons (small graphic images that are placed on a website and used to monitor a user's interaction with that website) which may collect personal information.
Additional information on how we use cookies and other tracking technologies and how you can control these can be found in our Cookies Policy, which is included at the end of this document.
The personal information that we may collect depends on the specific services, activities or products we undertake but typically includes: your name; age; date of birth; gender; home address; email address; telephone number; other contact details; country of residence; passport number and other national ID numbers; employment details (for example, the organization you work for, your job title); family circumstances (for example, your marital status where you enter it in a form on our Website or it appears in any documentation you provide to us); financial and tax related information (for example, your income, assets and tax residency where you enter such information in a form on our Website or it appears in any documentation that you provide to us); details of how you use any product or service provided by BlackRock; postings on any blogs, forums, wikis, and any other social media applications and services that we provide; IP address; browser and device type; user name that is used by you for one of our products or services; language; access times and duration; details of how you like to use our Website or the interactive products, tools, other technology or services we provide to you or our clients; websites that you visited before and after visiting our Website; details of how you like to interact with us, and similar information.
The types of personal information and 'sensitive' or 'special categories' of personal information that we collect will generally vary depending on the nature of the products and services that we provide to you and how you use our Website. In some cases, the 'sensitive' or 'special categories' of personal information that we collect include: your dietary requirements (for example, where we would like to provide you with lunch during a meeting); your health (for example, so that we can make reasonable accommodations for you in our buildings); your sexual orientation (for example, if you provide us with details of your spouse or partner); and any criminal convictions that you may have (for example, if this information is collected as part of 'know your client' and anti-money laundering checks that we must conduct before accepting you or your employer as a client).
In some rare circumstances, we will also gather other 'special categories' of personal information about you because you volunteer that data to us (for example, it appears in a copy of your resume/CV that you upload to our Website). In some other circumstances, the personal information we collect from you is needed to meet our legal or regulatory obligations or to provide you with the products or services requested by you or our client (who may be your employer). If so, we will indicate to you that the provision of this information is mandatory, and the consequences if we cannot collect this information.
In some cases, we will also collect personal information about you indirectly from third parties such as: (i) your employer where we provide it with products or services; (ii) third parties such as providers of 'know your client' and anti-money laundering services which we sometimes use to help us meet our legal requirements in this area and to help us verify your identity where we provide you or your employer with products or services; (iii) intermediaries (such as independent financial advisers); (iv) background check providers which we sometimes use to verify your identity when you apply for a job through our Website; (v) third party service providers that help us to operate our Website; and (vi) from publicly available sources such as business and employment oriented social networking services and jobs boards.
How we use information about you
Use of personal information to provide products and services
We will use your personal information to provide you or our client with products or services. As part of this, we may use your personal information in the course of correspondence relating to those products or services. Such correspondence may be with you, our client, other members of the BlackRock Group, our service providers or public or judicial authorities with the necessary authorisation.
In many cases, we also use your personal information to conduct due diligence checks in advance of providing products or services to you or our client, and to process an application from you or a prospective client to receive products or services from us. If you are referred to us by an intermediary or similar third party, we also typically use your personal information to assess whether to accept or reject your referral to BlackRock by that intermediary or similar third party.
Because we provide a wide range of products and services to our clients, the way in which we use personal information in relation to our products and services varies. For example, we use personal information about you when:
• you use our risk management platform, Aladdin
• we provide you or your employer with an insurance product or service
• you or your employer engage us to provide investment management or similar services
• you privately invest in a fund product managed by a member of the BlackRock Group
• you engage a member of the BlackRock Group to provide investment management services
• you provide us with your personal information via email or a web form.
Use of personal information collected via our Website
We generally use your personal information collected via this Website:
• to manage and improve any services provided via our Website
• to manage and improve our Website (including by drawing up statistics on the usage of our Website)
• to tailor content of our Website to provide you with a more personalised experience and draw your attention to information about products and services that may be of interest to you
• to manage and respond to any request that you submit through our Website
• to help us learn more about you, the products and services that you or your employer receive from BlackRock, and other products and services that you or your employer might be interested in receiving
• to correspond with you in relation to services you use on our Website or information you provide via our Website. This correspondence is usually with you, other members of the BlackRock Group, our service providers, or public or judicial authorities with the necessary authorisation.
Use of personal information for other activities that form part of the operation of our business
We generally also use your personal information collected via this Website for the purposes of, or in connection with:
• applicable legal or regulatory requirements
• requests and communications from public or judicial authorities with the necessary authorisation
• financial accounting, invoicing and risk analysis purposes
• prudent operational management (including credit and risk management, insurance, audit, training and similar administrative purposes)
• client relationship purposes, which involve: (i) sending you BlackRock thought leadership or details of BlackRock products and services that we think might be of interest to you or your employer; (ii) contacting you to receive feedback on BlackRock products or services; and (iii) contacting you for other marketing or research purposes
• recruitment and business development purposes
• services we receive from our professional advisors, such as lawyers, accountants and consultants
• arrangements we have in place with intermediaries, brokers and other individuals and entities that partner with us
• considering, and entering into, any transaction involving part or all of the business or assets of the BlackRock Group
• protecting our rights and those of our clients
• meeting our corporate and social responsibilities.
The legal grounds we rely on for processing personal information
We are required by law to set out in this Privacy Policy the legal grounds on which we rely in order to process your personal information.
We generally use your personal information for the purposes outlined above because: (a) it is necessary for our legitimate interests and does not unduly affect your interests or fundamental rights and freedoms (see below); (b) it is necessary for legal and/or regulatory obligations or requests that we are subject to, such as keeping records for tax purposes or providing information to a public body or law enforcement agency; (c) it is necessary to perform contractual obligations that we owe towards you or our client, or to take pre-contractual steps at the request of you or our client; (d) it is necessary for the performance of a task carried out in the public interest (such as assisting with diversity in the workplace where you make contact through our Website in relation to job opportunities at BlackRock); or (e) in some cases, we have obtained your prior consent.
Examples of the 'legitimate interests' referenced above are: (i) to benefit from cost-effective services (for example, we may opt to use certain IT platforms offered by our service providers); (ii) to assess and verify any job application that you submit through the Website; (iii) to prevent fraud or criminal activity, misuses of our products and services, as well as the security of our IT systems, architecture and networks; (iv) to exercise our rights under Articles 16 and 17 of the Charter of Fundamental Rights of the European Union, including our freedom to conduct a business and right to property; and (v) to meet our corporate and social responsibility objectives.
To the extent that we process any sensitive personal information relating to you for any of the purposes outlined above, we will do so because either: (1) you have given us your explicit consent to process that information; (2) the processing is necessary for reasons of substantial public interest on the basis of applicable law (for example where we are required by law or regulatory requirements to process that information in order to ensure we meet our 'know your client' and 'anti money laundering' obligations); (3) the processing is necessary to carry out our obligations under employment, social security or social protection law; or (4) the processing is necessary for the establishment, exercise or defense of legal claims. The legal grounds for processing sensitive personal information outlined above at (1) to (4) appear at Articles 9(2)(a), 9(2)(g), 9(2)(b) and 9(2)(f) of the EU's General Data Protection Regulation respectively.
Where we are legally required to obtain your explicit consent to provide you with certain marketing materials, we will only provide you with such marketing materials where we have obtained such consent from you.
If you do not want to continue receiving any marketing materials from us, you can click on the unsubscribe function in the communication or e-mail email@example.com at any time.
To whom we disclose your information
In connection with one or more of the purposes outlined in the "How we use information about you" section above, we generally disclose details about you to: other members of the BlackRock Group; professional advisors and third parties that provide services to us and/or other members of the BlackRock Group (such as IT systems providers, platform providers, financial advisors, consultants (including lawyers and accountants), providers of HR and recruitment services and other goods and services providers (such as providers of marketing services where we are permitted to disclose your personal information to them); intermediaries, brokers, and other individuals and entities that partner with us; competent authorities (including any national and/or international regulatory or enforcement body or court or other form of tribunal, where we (or any other member of the BlackRock Group) are required to do so by applicable law or regulation at their request); a potential buyer, transferee, merger partner or seller and their advisers in connection with an actual or potential transfer or merger of part or all of BlackRock's business or assets, or any associated rights or interests, or to acquire a business or enter into a merger with it; credit reference agencies or other organizations that help us detect criminal activity and incidence of fraud; and any central or local government department and other statutory or public bodies.
If you are an individual in the European Union, please note that some of the recipients of your personal information referenced above will be based in countries outside of the European Union whose laws may not provide the same level of data protection. Those countries typically include: the United States, Canada, Singapore, and India. In such cases, BlackRock will ensure that there are adequate safeguards in place to protect your personal information that comply with our legal obligations. To ensure this level of protection for your personal information, BlackRock typically uses a data transfer agreement with the recipient based on standard contractual clauses approved by the European Commission. A copy of these clauses is available here: http://ec.europa.eu/justice/data-protection/international-transfers/transfer/index_en.htm. Further details of the transfers of your personal information outside of the European Union and the adequate safeguards used by BlackRock in respect of such transfers (including copies of relevant agreements) are available from us by contacting email@example.com. You can also use this e-mail address to request further information about the entities that comprise the BlackRock Group and the countries in which they operate.
How long we keep your personal information
We will hold your personal information on BlackRock's systems for as long as is necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory or internal policy requirements.
Protection of your personal information
We use a range of physical, electronic and managerial measures to ensure that we keep your personal information secure, accurate and up to date. These measures include:
• education and training to relevant staff to ensure they are aware of our privacy obligations when handling personal information as well as training around social engineering, phishing, spear phishing, and password risks
• administrative and technical controls to restrict access to personal information on a 'need to know' basis
• technological security measures, including fire walls, encryption (industry standard SSL encryption with 128-bit key lengths), and anti-virus software
• physical security measures, such as staff security passes to access our premises.
• external technical assessments, security audits and vendor due diligence
• perimeter security: Firewalls, IDS, content filters
• segregation of networks: DMZ, corporate domain, production domain
• application security: OWASP top 10 focused code requirements, application testing, penetration testing
• endpoint security: Anti-virus, portable storage device lockdown, restricted administrative privileges
• Real-time monitoring of data leakage controls
• Layered and comprehensive cybersecurity defences
• Security incident reporting and management.
Although we use appropriate security measures once we have received your personal information, the transmission of data over the internet (including by e-mail) is never completely secure. We endeavour to protect personal information, but we cannot guarantee the security of data transmitted to us or by us.
Your rights and how to contact us
You have various rights in relation to your personal information. In particular, you have a right to:
• object to the processing or your personal information
• request a copy of personal information we hold about you
• ask that we update the personal information we hold about you, or correct such personal information that you think is incorrect or incomplete
• ask that we delete personal information that we hold about you, or restrict the way in which we use such personal information
• withdraw consent to our processing of your personal information (to the extent such processing is based on consent)
To exercise any of your rights, or if you have any other questions about our use of your personal information, please e-mail firstname.lastname@example.com or write to BlackRock's Global Privacy and Data Protection Officer at 12 Throgmorton Avenue, London, EC2N 2DL, United Kingdom. You may also use these contact details if you wish to make a complaint to us relating to your privacy.
If you are unhappy with the way we handled your personal information or any privacy query or request that you have raised with us, you also have a right to complain to a data protection regulator in the place where you live or work, or in the place where you think an issue in relation to your data has arisen. A list of national data protection regulators can be found here: http://ec.europa.eu/justice/dataprotection/bodies/authorities/index_en.htm.
Changes to this privacy statement
We may modify or amend this privacy statement from time to time.
Any future changes or additions to the processing of your personal data as described in this notice affecting you will be communicated to you through an appropriate channel, depending on how we normally communicate with you.
Cookies Policy
What are cookies?
Cookies are small text files that are stored in your computer's memory and hard drive, in your mobile device or tablet when you visit certain web pages. They are used to enable websites to function or to provide information to the owners of a website, or other third parties which receive data obtained from that website.
When you visit any web site, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.
Why do we use cookies?
Cookies help us to provide customised services and information. We use cookies on our Website to tell us, in general terms, how and when pages on our Website are visited, what our users' technology preferences are – such as what type of video player they use – and whether our Website is functioning properly. Depending on their purpose, some cookies will only operate for the length of a single browsing session, whilst others have a longer life span to ensure that they fulfil their longer-term purposes (as explained in more detail below). Please note that, however long the cookies' active life may be, you can delete cookies (and therefore stop any further data collection by them) as further described below.
If you are using one of our password-protected sites, then the Website may use cookies or other technology to help us authenticate you, store and recognise your configuration and user attributes, facilitate your navigation of the website and customise its content so that the information made available is likely to be of more interest to you.
In broad terms, we use cookies on our Website for the following purposes:
• Analytical purposes: Analytical cookies allow us to recognise, measure and track visitors to our Website and compile a record of this usage information. This helps us to improve and develop the way our Website works, for example, by determining whether site visitors can find information easily, or by identifying the aspects of websites that are of the most interest to them.
• Usage preferences: Some of the cookies on our Website are activated when visitors to our sites make a choice about their usage of the site. Our Website then 'remembers' the settings preferences of the user concerned. This allows us to tailor aspects of our sites to the individual user.
• Terms and conditions: We use cookies on our Website in order to record when a site visitor has seen a policy, such as this one, or provided consent, such as consent to the terms and conditions on our Website. This helps to improve the user's experience of the site – for example, it aids in avoiding a situation where a user is asked repeatedly to consent to the same terms. We also track whether a user has seen other similar documents (such as an online survey) before – again, to ensure that a user's experience of our Website is a smooth one.
• Session management: The software that runs our Website uses cookies for technical purposes needed by the internal workings of our servers. For instance, we use cookies to distribute requests among multiple servers, to authenticate users, and to determine what features of the site they can access, verify the origin of requests, keep track of information about a user's session and determine which options or pages to display in order for the site to function.
• Functional purposes: Functional purpose cookies store information that is needed by our applications to process and operate. For example, where transactions or requests within an application involve multiple workflow stages, cookies are used to store the information from each stage temporarily, in order to facilitate completion of the overall transaction or request.
• Advertising: Advertising cookies allow us (or third parties) to monitor the behaviour of users of our Website. This information is used to ensure that products and services highlighted to those individuals are targeted in a focused and relevant manner – e.g. through advertisements on BlackRock websites or through advertisements on third party websites (e.g., Bloomberg, Agefi.com, Handlesblatt.de, etc) which are based on your experience with our Website; or to monitor the effectiveness of those digital marketing campaigns. We also monitor whether the adverts displayed on our Website are of interest to users and retain this information to ensure that adverts seen by users of our Website over a period of time are appropriate.
Please note that third parties may use cookies. The kind of cookies and the consequent data processing carried out by such third parties are regulated by their privacy policies. Please see below for more information about third party cookies.
Your cookie preferences
Cookies are necessary in order for you to be able to make full use of BlackRock's Website. In addition, cookies help us provide you with personalised features on our Website. If you chose to disable cookies, some of BlackRock's Website's functionality might be impaired.
Local Flash Storage
On certain pages of our Website, we include content designed for display using Adobe Flash Player, such as animations, videos and tools. Local flash storage (often referred to as "Flash cookies") can be used to help improve your experience as a user. Flash storage is retained on your device in much the same way as standard cookies, but is managed directly by your Flash software.
If you wish to disable or delete information stored locally in Flash, please see the documentation for your Flash software, located at www.adobe.com. Please note that, if you disable Flash cookies, some site functionality may not work.
Third party cookies
When you visit our Website, you may receive cookies that are set by third parties. These may include cookies set by Google, Bizo, LinkedIn, AppNexus, Xaxis, MediaMind and/or Rocketfuel. These cookies are used for the purposes described in the "Why Do We Use Cookies?" section of this policy. We do not control the setting of these third party cookies, so we suggest you might wish to check the third party websites for more information about their use of cookies and how to manage them.
|Third Party
|Privacy Policy
|Verint Inc
Amending cookie preferences
If you wish to remove cookies set by our Website from your browser in the future, you may delete them. The instructions for removing cookies from your computer or mobile device depend on the operating system and web browser you use. Please note, however, that withdrawing your agreement to the use of cookies on our sites will impair the functionality of the sites.
The site www.allaboutcookies.org includes instructions for managing cookies on many commonly used browses, or you may consult the vendor documentation for your specific software.
Further information about cookies
If you would like to find out more about cookies in general and how to manage them, please visit www.allaboutcookies.org.


text:
WWE '13 Mixed Tag Team
Rey Mysterio and Alicia Fox vs Kfo and Brie Bella in this Mixed Tag Team matchup in WWE '13 Hell In A Cell
Rey Mysterio and Alicia Fox vs Kfo and Brie Bella in this Mixed Tag Team matchup in WWE '13 Hell In A Cell
An All Star Battle Royal for WWE '13 Survivor Series
A 1v1 matchup of Triple H and The Great Khali in WWE '13 Smack Down
A lot of bare-chested dudes are about to take over your TV screen when WWE '13 launches.
This week we check out Assassin's Creed III, Need for Speed: Most Wanted - A Criterion Game, WWE '13, Marvel Avengers: Battle for Earth, Zone of the Enders HD Collection, ...
Jim Ross interviews WWE stars Stone Cold Steve Austin and CM Punk.
Check out the Universe Mode and all its features in this trailer for WWE '13.
Fan Axxess for WWE '13 is your exclusive pass for bonus content.
Live the revolution in WWE '13.
Check out the latest WWE '13 trailer featuring Degeneration-X.
Experience Dwayne 'The Rock' Johnson's legendary battles in WWE 13.
Check out this interview with Mike Tyson as he talks about making a return to where he belongs in this WWE 13 Trailer.
Here's a WWE '13 trailer showing off its new Attitude Era Mode.
Check out this trailer to see the latest roster of wrestlers featured in WWE '13.
What is WWE Live all about you ask? This video should answer all of your questions.
Check out a trailer for the limited edition WWE '13 Austin 3:16 edition featuring exclusive game content, performance DVD and a hand-signed photo from the man himself.
Mike Tyson will be entering the ring...as an exclusive WWE '13 character!
Iron Mike Tyson will be an exclusive playable character in WWE '13!
Sheamus smacks us with some knowledge of THQ's new WWE 13
Check out a trailer for WWE '13 featuring the latest wrestling sensation, CM Punk.
Use your keyboard!
Log in to comment

subset: commoncrawl


text:
IMF Survey Vol.34, No.12 July 2005
- What's on
- At a glance: IMF financial data
- In the news: Strategic direction, surveillance top IMF's work program
- In the news: Debt relief proposal means changes ahead in IMF work program
- In the news: Gabon's economy picks up as reforms to diversify continue
- In the news: Kuwait's economy records fastest growth sin
- In the news: Liberia's economy rebounds, but action plan needed to improve governance
- Country focus: Switzerland: Economic reform in a direct democracy
- Country focus: Swiss recovery needs continued fiscal prudence
- Regional focus: Going beyond regional arrangements to boost African trade
- Research: EU accession countries: Finding the right time for euro adoption
- Research: For external imbalances, globalization is a double-edged sword
- Outreach: Mobilizing parliamentarians for development
- IMF lending: HIPC debt relief
- Forum: Women, marriage, and inequality
In the news: Liberia's economy rebounds, but action plan needed to improve governance
- International Monetary Fund. External Relations Dept.
- Published Date:
- July 2005
Show Summary Details
You are not logged in and do not have access to this content. Please login or, to subscribe to IMF eLibrary, please click here


text: He wants to limit the amount you can put in tax-favored retirement savings. Thinkstock By Sandra Block, Senior Editor From Kiplinger's Personal Finance, July 2013 Most of us save for retirement because we want to enjoy our golden years without putting a burden on our kids. A lower tax bill isn't our chief motivation, but it sure doesn't hurt.See Also: Retiree Tax Map Now, diligent savers face the possibility that they'll lose tax breaks designed to encourage virtuous behavior. President Obama's 2014 budget proposes capping tax-preferred retirement plans—including individual retirement accounts and 401(k) plans—at $3.4 million per person. It isn't the first time tax-preferred retirement savings plans have been targeted. President Obama's deficit-reduction commission suggested limiting annual contributions to tax-preferred accounts to $20,000, or 20% of income, whichever is lower. Retirement savings plans offer a potentially rich source of tax revenue. The Joint Committee on Taxation estimates that excluding contributions and earnings from taxes will cost $515 billion for the five-year period ending in 2014. Only the exclusion for employer-provided health insurance costs more. Supporters of limits on tax-preferred retirement plans argue that they would primarily affect affluent taxpayers. Two-thirds of U.S. households have saved less than $50,000 for retirement, reports the Employee Benefit Research Institute. Critics counter that taxes on 401(k) plans and traditional IRAs are merely deferred, and that the money will be taxed when it's withdrawn. They also argue that proposals to limit tax-preferred savings would indirectly affect middle-income savers, too. Advertisement President Obama's $3.4-million cap is based on the amount of money a retiree would need to buy an annuity that produces $205,000 a year. But record-low interest rates have increased the cost of buying an annuity, artificially inflating the size of that lump sum; even a modest increase in interest rates could lower the savings cap to $2.2 million, according to EBRI. Workers whose savings are nowhere near the cap could be affected if the change causes small-business owners to scrap retirement savings plans for their employees, says Jack VanDerhei, research director for EBRI. Small-business owners may contribute up to $56,500 to a tax-deferred account in 2013, but federal rules require them to make their plan available to employees. If contributions are capped, business owners may decide to terminate their 401(k) plans in favor of tax-efficient investments available to high-income investors, VanDerhei says. These proposals are a long way from becoming law. In the meantime, don't use them as an excuse to stop saving. If anything, says Michael Kitces, a certified financial planner in Columbia, Md., you should save more. He notes that you would be prevented from making contributions once you hit the threshold, but there would be no limit on tax-preferred investment growth. To get the most out of your tax-deferred investments, he says, "you want to hit the cap as soon as you can." Haven't yet filed for Social Security? Create a personalized strategy to maximize your lifetime income from Social Security. Order Kiplinger's Social Security Solutions today.


text:
In Memory of
Laura Cecile Johnson Chambers
1952 - 2019
Add Condolence
6:00 pm - 9:00 pm
Friday, February 1, 2019
The Church of Jesus Christ of Latter-day Saints
480 Sinaloa Rd
Simi Valley, California, United States
11:00 am
Saturday, February 2, 2019
The Church of Jesus Christ of Latter-day Saints
480 Sinaloa Rd
Simi Valley, California, United States
Thank You for adding to this Tribute
Private condolences are visible only to registered family members of the deceased.
Please enter the numbers and letters you see in the image. Note that the case of the letters entered matters.
Please provide a valid e-mail address.
Some of the characters used in your message are not supported.
There are errors in the form, please correct them.
Share Your Memory of
Be the first to upload a memory!
who we are
Rose Family Funeral Home is a family owned and operated business. With kind, caring and capable staff, we take pride in the way we interact with our families and their loved ones. Know that with Rose Family Funeral Home, you'll be treated just like family.
recent news
- We are excited to announce that we launched our new website in June 2014.
4444 Cochran Street
Simi Valley, CA 93063
(805) 581-3800
Licence Number: FD 1760


text:
By late fall, most of the crops on our fruit and vegetable farm have been harvested, and we are busy putting the land to bed for the winter. Recently our three children spent a day outside "working" with me, pulling up scores of tomato cages and knocking down spent plants. Though I tried to hold the kids' feet to the fire, bedlam soon broke loose with a volley of green tomatoes that quickly became an all-out barrage.
We later turned to spreading old hay for a fresh layer of mulch in the vegetable plots. With a bale spear on the tractor's rear hitch, I would back up and skewer one of the large round bales. Our twin 8-year-old daughters would usually leap onto the bale and hang on for dear life as I hauled it to a garden plot. Sometimes I raised and lowered the hitch repeatedly for a roller-coaster effect—even though, several months before, a bale once slipped off the spear and all three kids went flying in an explosion of flailing arms and legs (our 4-year-old son swore off bale riding after this incident). The Occupational Safety and Health Administration would certainly not approve.
The kids made a jungle gym out of each bale I deposited, happily tearing off hay as we unrolled the bale down the crop rows. I felt a wistful sort of joy, anticipating the rapidly approaching day when their unmitigated, simple pleasures will drown in the turbulence of their teenage years.
Later that day, our family piled in the car and drove an hour to visit relatives in the city. We stopped first at the local mall, where I had grudgingly agreed to accompany my wife for some shopping. I despised almost every minute of it. Compared to our farm, where I feel at home and at ease (even when hard at work), in the mall I felt awkward and out of place, useless but for my credit card, claustrophobic, overwhelmed by the crowds, the neon, the maelstrom-gripped teenagers chattering among themselves and into their cellphones.
I am the first to admit that I am a bit cynical about shopping in general and malls in particular. For the most part, I simply don't like buying stuff, and I have no knack for it, even when purchasing gifts. I have had to work my way up from giving well-intentioned presents of fluorescent lightbulbs, which went over about as well as if I had wrapped up a toilet plunger for my wife.
I marvel, then, as the Christmas shopping season begins, at how our culture has managed to make such an ideal out of emptying our bank accounts and filling our homes—and eventually a landfill—with things we mostly do not need. As Colin Beavan, the author of No Impact Man, points out in his reflections on his family's year-long experiment in radical urban environmentalism, the consumption habit not only wrecks the planet and enslaves many of its poorer citizens but also, like a drug addiction, is not even very satisfying or meaningful. And at least for a few farm kids I know, it is not nearly as much fun as playing on hay bales or tossing tomatoes. I wonder if in our endless purchasing, what we have actually bought is a bill of goods.
Catholic social teaching, including Pope Benedict's encyclical "Charity in Truth," makes a vigorous critique of unchecked consumerism. Critique, however, generally falls on deaf ears. Perhaps more importantly, the Catholic tradition can also offer an alternative vision for the "good life," guided by values of humility, moderation and integral human development for individuals and communities. Articulating such values would be a very appropriate use of the Catholic megaphone in the public sphere—perhaps more helpful than strident Catholic voices condemning fellow believers for not being the right (or left) kind of Catholic.
Articulating essential values in the public sphere is good and necessary, but in the end, mere words never suffice. The real question for us ordinary Catholics, then, is whether we too are taken in by the Gospel of More or if we can find ways to embody the good life of which our tradition so eloquently speaks. I have in mind not just ideals of justice, temperance and other theological abstractions, although any well-lived life will express those virtues. I want to know if and how our daily choices—economic and otherwise—help us and others become ever more fully alive. How can our lives become a witness and an invitation to wholeness, humor and deep, abiding joy? Are we having fun yet?
"I want to know if and how our daily choices—economic and otherwise—help us and others become ever more fully alive."
Me too. I have always felt that my Faith is calling me to a lifestyle that is counter to the status quo. It is wonderfully inspiring to see it lived as you are doing. Thank you.
(PS. please say hello to my cousin, Fr. Harry Hagan, there at St. Meinrad!)
We may wish that we spent less on goods and services we don't need, but we spend less at a high cost to businesses and the private sector, generlally-at a time when, as a good Keynesian will tell you, we will need to INCREASE demand for those goods and services in order to spark the employment this country desperately needs.
Consumerism for the sake of excessive consumption is to be condemned. Fewer and fewer Americans can afford to indulge in such consumption, however. Absent consumerism, this economy will suffer.


text:
Sean Eldridge, Husband of Facebook Co-Founder, Running for Congress
Sean Eldridge, an investor and the husband of Facebook co-founder Chris Hughes, has filed paperwork establishing a campaign for New York's 19th Congressional District seat in 2014.
Eldridge, who is a frequent donor to Democratic candidates and committees, has publicly backed President Barack Obama and hopes to unseat two-term Republican Chris Gibson. This November, Gibson won reelection by a margin of 53 percent to 47 percent. However, the district also favored Obama.
Eldridge is a politically active Democrat and the CEO and founder of Hudson River Ventures LLC, a small business investment fund located in New York's Hudson Valley. He also serves as an adviser to Freedom to Marry, a campaign to win marriage equality nationwide.
The 26-year-old is married to entrepreneur Chris Hughes, who is both a co-founder of Facebook and the publisher of The New Republic magazine.
Bloomberg.com reported that Eldridge's statement of organization, which created "Sean Eldridge for Congress," accompanied by a statement of candidacy, was processed by the Federal Election Commission last week.
Born in 1986, if Eldridge wins the congressional seat, he'll be just 27, making him one of the youngest members of Congress in 2014.
Rep. Aaron Shock, a Republican from Illinois, was elected to his congressional seat when he was 27. He is now the youngest representative, at age 31.


text:
The Colorado National Bank building sits forlornly, yet proudly, at the southwest corner of 17th and Champa. The building is empty and its fate remains unknown. The photo above shows what the site looked like prior to the construction of the bank in 1915. The original home on the site belonged to Joseph P. Cofield and was erected in 1873.
Colorado National Bank was one of the last locally owned banks in Colorado, having been founded in 1866. When US Bank took over this venerable institution after 1998, the prominent building downtown was to become just another piece of excess bank real estate lining 17th Street. Unfortunately, the Champa side of the bank has been a notorious drug-dealing location since US Bank closed the building earlier this decade. And although the building is included in the Downtown Denver Historic District, no new tenant has been found to take over the building.
The third home of Colorado National Bank was opened in 1915. Designed by prominent Denver arcitects William and Arthur Fisher, the bank with the neoclassical columns was coined "the bank that looks like a bank." In 1925, Merrill and Burnham Hoyt added a seamless addition.
The 1960s were a difficult time downtown as urban renewal began to take hold of the central portions of downtown. The Skyline Urban Renewal Project eventually erased much of old Denver. Colorado National Bank determined to remain downtown however and added a modern addition to their building in 1963. In the process, they demolished the Frank Edbrooke designed Ernest and Cranmer building (1890, also above) at 17th and Curtis, the old May Department Store at 16th and Champa and other smaller structures. In their place was put a "six window drive-in banking facility and spacious parking lots." The suburbs and truly come downtown!
The site was not empty for long however. By 1972, the Colorado National Bank tower was under construction. The 26-story tower was designed by Minoru Yamasaki who was the architect of New York City's World Trade Center. Denver's tower exhibits the idea of Formalism in modern architecture. Its vertical orientation and use of a blue-smoky glass, gives this building a dominance at the corner of 17th and Curtis. It is considered one of Yamasaki's masterpieces and is a real stand-out at the national level of Formalism in architecture.
(FYI, Formalism is a type of modern architecture that can be distinguished from the better known International Style. While International Style was very prominent in American architecture after World War II and stresses a horizonality in a building's form, Formalism, which was especially popular during the 1960s and 1970s, stresses the vertical form, among other things. )
Tune in next time to learn about the interior wonders of the Colorado National Bank building.
Information and photographs shown above have come from the following title, Growing Through History With Colorado: The Colorado National Banks by Tom Noel.
For additional information on Block 108, home of the Colorado National Bank buildings, click here to be taken to DenverInfill.com


text:
timmo26 necesitaba un nuevo diseño de papelería y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 107 diseños de 33 diseñadores freelance.
Event Development Network
Event Development Network is a new event services business. We are a team that will organize an event and take it from idea to reality.
Clients come to us with an event in mind and we do all required legwork from sourcing a venue to organization of the theme to selection of the catering.
Our clients range from a school or small to medium business right through to large corporates.
We require stationery designs, specifically an A4 Letterhead, Business Card and DL Envelope. Templates are provided for use as .EPS files.
You will use our logo as a base and go from there – be creative and impress us! :) Do not use the same font as the logo.
-Business Card Design, two sided. Square or rounded corners are fine but no dye-cuts.
-A4 Letterhead Design
-DL Envelope Design
These will be print ready, so needs to be supplied at 300dpi. These are intended to be full color, all MUST be in CMYK. If using black, text and line work should be 0% C, 0% M, 0% Y, 100% K - not a mix (e.g. 75% C, 68% M, 67% Y, 90% K).
Not that we particularly want a black background but if you are using black as a background in your design please use 45% C, 0% M, 0% Y, 100% K.
You can download the files you will require from:
Ratings System:
2 star and below – not really what we are after.
3 star – getting closer but need revisions or a different take on your design
4 star – design is being considered
5 star – we really like the design and will make our final selections from these.
* final file in vector format, .AI file preferably.
Don't Wants
* Die cut designs.
* Designs that are not 'polished'.
* The same font used in the designs as our logo.


text:
Philly's Own Mayor Performs Live On Stage! [Daymn Philly Doin It Big!]
Philly's Mayor Michael Nutter Performing Sugga Hill's Gang's Rapper's Delite at His Inaugural&IP=126.96.36.199
Please click the "Report" button below if the video on this page is not working properly.
Comments will only be displayed by verified emails. No Spamming or Racism.


text:
Research, Education and Management related to aquatic plant communities in the Northeast Region of the United States.
The Northeast Aquatic Plant Management Society (NEAPMS) is a diverse group of professionals dedicated to understanding the unique needs of aquatic plant management in the Northeast and communicating that knowledge to both the public and private sectors.
We participate in local, regional and national advocacy issues related to aquatic plant management by tracking and influencing governmental policy and legislation. Each January we convene to further the understanding of aquatic plant management, share research and plan our endeavors for the coming year.
Interested in attending our conference? Get the details ›
Scholarships and stipends are available to exceptional graduate and undergraduate students in the field of aquatic plant management. Find out more in our Student section.
Get equipped! Newsletter archives, helpful sites around the web, programs/abstracts from previous conferences and more are found in our Resources section.
Interested in supporting aquatic plant management in the northeastern US? See our Support section for all the ways you can be involved, including membership, sponsorship and advertising!


text:
Looking for design inspiration? Browse our curated collections!
Join our billboard contest! Enter by July 31st.
Shop our new kids collection!
This product is currently out of stock.
Image Size
The image is near the edges of the product but doesn't cover the entire product. Some of the background color may appear around the outside edges of the image.
Background Color
You'll never run out of power again! If the battery on your smartphone or tablet is running low... no problem. Just plug your device into the USB port on the top of this portable battery charger, and then continue to use your device while it gets recharged.
With a recharge capacity of 5200 mAh, this charger will give you 1.5 full recharges of your smartphone or recharge your tablet to 50% capacity.
When the battery charger runs out of power, just plug it into the wall using the supplied cable (included), and it will recharge itself for your next use.
1.80" W x 3.875" H x 0.90" D
Ships Within
1 - 2 business days
View All & Comment
Canvas Print
Framed Print
Metal Print
Acrylic Print
Wood Print
Greeting Card
Phone Case
Throw Pillow
Duvet Cover
Shower Curtain
Tote Bag
Round Beach Towel
Carry-All Pouch
Beach Towel
Weekender Tote Bag
Portable Battery Charger
Bath Towel
Yoga Mats
Spiral Notebooks
Fleece Blankets
Thanks Jeremy, for featuring my image in the group"Digital Veil".
Thank you Mihyoun, for the comment, Fave, and Vote! :)
Thanks Julia. I'm glad you like it. :)
What a lovely image, Brian! Great framing and exposure. V/F
Thanks Jacob! I appreciate your comment. :)
Thanks Christy!
Beautiful! vf
Thank you Erica. :)
Super beautiful Brian! Instant fave
Average Rating (5 Stars):
Leontin Jakupi
October 24th, 2017
Alan McIntyre
October 23rd, 2017
Steven Schreck
October 2nd, 2017
Josip Mikulic
September 6th, 2017
Worst experience ever. Ordered on 16/08/2017 and estimated ship date was 21/08/2017, it's 06/09/2017 now and there is still no info when item will be shipped. Tried to contact pixels.com twice via contact form, no answer. Charger supposed to be gift for my father's birthday on 09/09/2017 but you managed to ruin it. Since I tried to contact You via contact form, and got no result. I hope that you'll read this comment and return me my money, since you failed to deliver product which is now useless to me because you weren't able to provide any info for couple of weeks
Elizabeth Layman
May 2nd, 2017
I bought this for my sister who is graduating soon. She spends a lot of time on her cell phone, and I thought this would be a personal and usefu giftl. The image is a bit dark but over all nice quality. The charger came with some charge (blue light came on). It looks easy to use, and I'm eager to see how my sister likes it!
2D image of silhouetted Canada Geese in a purple sky flying past the moon and marina, south for the winter.
I'm a retired communications instructor/developer, raised on the Eastern Shore of Maryland (USA). I have a wide range of interests which include some artistic talent. My eclectic tastes, thirst for variety, and preference for images over words, eventually lead me through the internet to the world of 3D stereo in 2005. Since I've been with Fine Art America, I've focused primarily on regular photography with a touch of digital manipulation to better compose the images and ideas. Each time I think I've reached a peak, I find myself crossing another threshold that challenges my abilities and talents while paving way to another plateau. Best Regards, Brian Wallace https://twitter.com/Starg82343
Our return policy is very simple:
If you're not happy with a purchase that you made on Pixels.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Pixels does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Pixels sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Pixels to fulfill their orders, and we look forward to helping you select your next piece!
All portable batteries chargers ship from our production facility within 1 - 2 business days of your order.


text:
redback necesitaba un nuevo diseño de página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 2 diseños de 1 diseñadores freelance.
We provide patient education to Chiropractors.
60%-40% Male/Female
This is a separate one PAGE FLASH & one PAGE LOGIN (it will be linked to chirowebstreaming.com). I have an exact flash page for you to follow.
Please contact and I will send files of pics and logos. One flash page and one login page.
example is - http://www.foxtel.com.au/shop/get-f…efault.htm
Educhiro Logo
Get the Big Idea (logo) Get Educhiro
Respond now for our SPECIAL INTRO PRICE – 89.95 normally 129.95
FREE* First Month Premium
40% OFF* Set up
12 Month Plan
With stunning animation and graphics, stimulating for all the family and more, all the best Chiropractic Patient Education is on Educhiro. Receive instant new patients and referrals. World-class videos await you from just $5 per week streamed directly to your website. An easy to use practice building system that actually works.
Sign up today and we will give you FREE First month Premium ChiroWebStreaming and 40% off set up fee on just a 12-month direct debit plan! For your first month you can enjoy a taste of the best that Educhiro has to offer.
That's all you need to start building your profitable and successful practice empire. Then call us to let us know what you'd like to keep. It's affordable flexibility just for you.......etc more to be supplied.
More content to be supplied in document I will email to you.


text:
An endowment is a permanent fund in which the principal is invested and only the annual interest income is available for use to support the endowment purpose. As the investment fund grows (or with additional contributions to the principal by donors), the annual income also grows. With a strong endowment base of support, the UA College of Science will be able to maintain a consistent and long-term standard of excellence despite economic fluctuations or the vagaries of State of Arizona budget allocations. Endowments create a lasting legacy and can have an incredible impact on students, faculty and research at the College of Science. Donor designated and named endowments can be established with $25,000 and endowed support can grow into the $1-$2 million range to support faculty chairs. A donor may also choose to support an existing endowment at any level that is within their financial capability. The opportunities to support endowments in the College of Science are limitless.
Endowed Faculty Support
One of the most lasting gifts one may make to a university is to provide a source of endowed funds to support faculty. When donors provide funds to endow a chair or a professorship, they are making a prominent and permanent investment in an academic institution.
Endowed Chairs
Investments starting at $1 million
An endowed chair, named for the donor, is one of the highest honors a university faculty member may receive. It recognizes an outstanding professor currently on the faculty, or it may be used as an incentive to recruit prominent faculty to the University of Arizona. While it is a prestigious honor for the faculty member, it can also be a source of great pride for the donor and supporters who originally establish the chair, since they would know they have played a key role in the future success of the UA College of Science academic enterprise.
Endowed chair holders will help to recruit outstanding faculty and students to their program, serve as mentors for younger faculty members, and engage in innovative research. All told, the initial investment in an endowed chair becomes a significant source of future resources to the academic enterprise.
Endowed Visiting Professorships
Investments starting at $750,000
Visiting professorships provide the College or a department a source of rotating appointments for distinguished visiting scholars from other universities. These scholars draw on the visiting professorship funds as a supplement to their current salary, and their term is usually for one or two semesters. Given the College's international reputation, a visiting professor can result in the enhancement of the cultural and academic life of the University during that professor's stay on campus.
Endowed Distinguished Professorships
Investments starting at $500,000
An endowed distinguished professorship helps the College recruit outstanding candidates by providing supplemental salary or program support for that faculty member. These professorships may also be used to recognize and reward outstanding faculty who have achieved academic success at the highest level and may be in demand by competing institutions.
Endowed Lectureships
Investments starting at $100,000
One of the most appealing features of the academic experience is the opportunity to "talk shop" with distinguished scientists from all over the world. An endowed lectureship provides a stable source of funding to bring leading researchers and scientists to the University of Arizona to lecture and interact with our students and faculty.
Scholarships and Fellowships
Scholarships and fellowships offer donors the opportunity to provide a university education for deserving students and to recruit the very best students for the academic and research programs within the UA College of Science. Privately funded scholarship and fellowship opportunities allow the UA to compete with other top universities for the most promising undergraduate and graduate students.
Capital Projects and Building Projects
In order to maintain its reputation for strong academic and research programs and to be able to attract faculty and students, the College needs modern laboratory and classroom space. A number of major building projects are under way or set to break ground: an 80,000 square foot addition to the Chemistry building and a new Environment and Natural Resources Building (ENRB II) to house several College of Science programs as well as additional space for new collaborative research programs with the U.S. Geological Survey. Private support opportunities are available to donors at many levels and include naming opportunities for buildings, classrooms, laboratories and public spaces.
Laboratory Endowment Support
The College of Science is home to a large share of the laboratory research activity at the University of Arizona. Modern laboratory facilities are vital to our student training and research activity, but the technology that drives cutting-edge science is expensive and changes very quickly. The need is constant for equipment upgrades or replacement and for expendable supplies and other expenses to maintain the utility of these laboratories.


text:
Mmmmm, easy fresh strawberry "cream" pie! Yum!
Preparation Time: 20 mins
Cooking Time: 8 mins
Extra Time: 30 mins
(for refrigeration)
Yield: 8 x slices
GRAHAM CRACKER CRUST: Heat oven to 375ºF. In bowl mix graham cracker crumbs, sugar, and melted margarine or butter until thoroughly blended. Press crumb mixture firmly onto bottom and side of 9-inch pie plate. Bake in center of preheated oven about 8 minutes until lightly brown; cool.
CLASSIC STRAWBERRY PIE: In bowl, whisk pudding mix and milk 2 minutes; chill 30 minutes. Spread pudding evenly in pie crust. Cover top of pie with strawberries, pointed ends up. Dust lightly with powdered sugar.
Instant vanilla pudding mix can be replaced by homemade Vanilla Custard (see recipe link).
9-inch prepared graham cracker pie crust can be substituted for homemade crust.
Serving suggestions are not included in the nutritional analysis.


text:
30" Round Colorful Mirror
Mirror will measure 30" in diameter with color TBD.
The mirror itself will ship within 4 weeks of order date. Shipment will occur in a wooden crate designed specifically for this piece. Mirror will be fully insured, so any damage incurred during shipment will result in a full refund.
Transporting and opening the mirror's crate will require a drill and the box may weigh apx. 55lbs. If the piece needs to be transported upstairs, etc. please plan accordingly.
Mirror will be mounted on wooden backboard, which has a dark, blackened edge to reduce visibility. The mirror will come with a metal French cleat as its hanging fixture. This will need to be mounted to the wall (or hanging surface) by you. The screws/anchors for mounting the piece will not be included, as different surfaces require specialty screws.
Instructions for hanging the piece will be included before the piece is shipped. All tracking information will also be included upon shipment.
$1050 total price including shipping.


text:
Cranberry-coconut baked oatmeal
It's cold here ... very cold. So cold that church was cancelled this morning, and school has already been cancelled for tomorrow. We have wind chills in the 30-50 degrees below zero range. It's actually 30 degrees warmer in Antarctica today than it is here. So yeah, it's cold.
This morning, I woke up to find that not only had my husband let me sleep in, but he had piled another blanket on top of me. When I finally got out of bed, I could smell something cinnamony in the oven. He had put together a scrumptious baked oatmeal for breakfast, and even did the dishes! I think I'll keep him! Here's his recipe:
Cranberry-coconut baked oatmeal
3 cups oats
1 cup brown sugar
1/2 cup chopped walnuts
1/2 cup coconut
3/4 cup dried cranberries
2 tsp. baking powder
1 tsp. salt
2 tsp. cinnamon
2 eggs
1 cup milk
1/2 cup butter, melted
Preheat oven to 350 degrees F. Combine dry ingredients in a large bowl. In a separate bowl, whisk eggs, milk, and butter. Stir into oat mixture.
Place mixture into a greased 9" square baking dish. Bake for 40-45 minutes.
Top with maple syrup and cream or milk, if desired. Makes 9 servings.


text:
Escalation Guidelines
Table of Contents
- 1 Escalations
- 2 Automatic Escalation
- 3 When to escalate
- 4 Who can escalate
- 5 How to escalate:
- 6 How to participate in helping - Tier 2 Contributors Unite!
- 7 FAQs
- 7.1 When will it be escalated?
- 7.2 What if there is a forgotten question? Are they automatically escalated?
- 7.3 What is an escalation? Are escalated questions harder?
- 7.4 How do I escalate?
- 7.5 Where can I find more information and help?
- 7.6 What happens after I escalate?
- 7.7 Collaboration and Private Messaging
- 7.8 Follow up escalation
- 7.9 Moderating escalations, how do we do that?
- 8 Status of an escalation
- 9 What if....
Sometimes a question may need more attention and may take more time to answer. Escalations are put in place in order to help resolve these more difficult questions. Currently, there are two types of escalations that currently exist in the forum.
Manual Escalations
Escalated by a moderator, contributor, user where a question needs more attention, there are raised concerns, is getting alot of attention, there are multiple questions and all around could really use some TLC. Currently this will have at least one response.
Automatic Escalation
These are questions that after 24 hours have no first response. Escalated because a question was not responded to in 24 hours and will need a response within 72 hours
- This question will not have any responses
- It is known when this is escalated
When to escalate
- If a question needs more attention
- If there are raised concerns
- If a question getting alot of attention,
- If a question is unresolved
- If there are any questions about when to escalate, please PM an administrator
Who can escalate
- Moderator
- Contributor
- User
- 24 hour timebot
How to escalate:
- Please Add the escalate tag to the question.
- Please make sure that there is enough information, including troubleshooting information and steps already suggested.
- Please add a message or a Common Response that lets the Question Owner know that it has been escalated and that there is a 72 hour period at most for a response. Response as follows:
This is an example of a message contributors can use to reply to the thread before escalating their case, so the user is aware that we're looking into it.
How to participate in helping - Tier 2 Contributors Unite!
To show all escalated questions, add ?tagged=escalate&escalated=1&show=all to the end of the forum URL. For example:
Where to find help:
- In the Advanced Topic Support Forum Support Forum Contributors
- IRC channel asked about the question #sumo, #helpdesk, #firefox, #mobile, #thunderbird, #mdn, #etc
- You can private message the Help Desk team as well if need be. Please add a link to the question and add context to what might need more attention.
- There is a pretty awesome knowledge base that is always being updated. Check out the help topics there. Or if you do not see anything suggest an article and start a discussion in the forum.
- Has a bug been filed? (this is being elaborated on and would love to start a discussion on this too) #bugzilla can help to start, or these guidelines https://wiki.mozilla.org/Good_first_bug
When will it be escalated?
A question or thread is escalated if there is no response within 24 hours or if a user adds the escalate tag
What if there is a forgotten question? Are they automatically escalated?
If a question is not responded to in 24 hours, it will be automatically escalated and will be answered within 72 hours.
What is an escalation? Are escalated questions harder?
- An escalation is a question that is either complicated or needs additional support from Help Desk/contributors
- Sometimes
How do I escalate?
Add the word escalate to the keywords of a question.
Where can I find more information and help?
You can find more help in the Advanced Firefox discussion forum to talk about questions with other contributors, as well as many of the support channels on irc.
What happens after I escalate?
After a question is escalated, the escalate tag will be added to the keywords and a ticket is created in the Help Desk's zendesk queue. It will include the time that it was escalated and a link and description of the question. A HelpDesk will read the question and provide as much help as possible.
Collaboration and Private Messaging
Everyone will have a preference on how to be reached. Please keep this in mind. Currently there is Advanced Discussion forums, IRC channels, PMs and meetings where items can be discussed further if need be.
Follow up escalation
Questions that have already been escalated once, but have still not received a reply after 72 hour period, please get the attention of an administrator or a moderator. If they have received an answer and there is a follow up discussion, please encourage them to start a new question and lock the question. You can find your old questions by:
- Go to https://support.mozilla.org/en-US/questions
- The current filters are:
- Attention Needed
- Responded
- Done
You can use "My contributions" in order to find the questions that you have answered.
See if a bug has been filed? (this is being elaborated on and would love to start a discussion on this too) #bugzilla can help to start, or these guidelines https://wiki.mozilla.org/Good_first_bug
Moderating escalations, how do we do that?
If the question owner comes back and posts to the question, but there is no response from those who are watching the thread this is also considered an unanswered question.
Status of an escalation
Any escalated thread can be found the same way any other question in the forum can be found. Each of these filters can be defined as follows:
- Attention Needed: these are questions that do not have an answer or have been escalated.
- Responded: these are questions that have been responded to that do not have a solution.
- Done: these are all of the historical questions that are locked by a moderator or marked as solved.
What if....
If its is an off-topic situation
- Please see the link to the new off-topic guidelines.
If its an abuse situation
- Please see the abuse guidelines
If its a language I do not know
- Please reach out to the community representatives. Please see the link the l10n community leaders. Avoid troubleshooting with Google Translate.
If its a bug and I can reproduce it, or need help reproducing it
- Please see the How to Write a bug article [future contributor bug guidelines currently under discussion]
IRC channel asked about the question, however this is not the offical support channel for these products. Each of these channels are accessible by anyone with an irc account. Please take note that these are just guidelines based on common knowledge of the current community.
- sumo is a channel for the contributors in the support forum
- helpdesk, is a channel
- firefox has some Firefox staff and contributors as well as #mobile, #thunderbird, #mdn, #sumo, etc


text:
My Content
Membership has its privileges! Sign up or sign in to gain full access to both All About Jazz and Jazz Near You. Learn more.
Home » Musicians » Discography » The Complete 1970s Epic Albums Collection
Label: Epic
Released: 2012
Views: 2,915
Start your music shopping from All About Jazz and you'll support us in the process. Learn how.
GoGo Penguin
Kiki Valera
Paula Harris
Robbie Robertson
Kelley Suttenfield
Mercury Rev
Satoko Fujii - Joe Fonda
Ezra Weiss
Svend Undseth
Rez Abbasi
Łukasz Borowicki


text:
Stokes helped assure Harvard's qualification with a strong finish, including a win in the last race (photo courtesy David Silverman).
NEW LONDON, Conn.—The Harvard sailing team qualified for the national semifinals with a sixth-place finish at the New England Dinghy Championship over the weekend at Connecticut College.
The rest of the Crimson squad was busy as well, with the women's team placing sixth at nearby Coast Guard and other sailors competing at three local regattas.
Alan Palmer and Meghan Wareham placed fifth in the A division with 127 points, while John Stokes and Quincy Bock finished seventh in the B division with 138. Harvard had a strong first day of sailing and stood in third place at the end of Saturday. The Crimson finished Sunday one point back of fifth-place Tufts and 15 behind Roger Williams in fourth.
"We got the job done," said head coach Mike O'Connor, whose coed squad advances to the Inter-Collegiate Sailing Association National Semifinal May 1-2 in Seattle. "We were happy with our performance on Saturday. It didn't go as well Sunday, but Stokes and Bock rallied in their last set of races to give us some breathing room."
Harvard finished 31 points ahead of the top non-qualifying team, ninth-place Boston University. Boston College won the New England title, followed by Yale and Brown. Vermont and Salve Regina claimed the final two national-qualifying spots.
Racing in a field of 18 schools, Palmer and Wareham won three times and placed in the top four on eight occasions in 17 races. Stokes and Bock had two wins and five top-four finishes.
The second-place duo of Emily Lambert and Alexandra Jumper paced Harvard at the Women's Emily Wick/Sloop Shrew regatta. They won three times and placed second twice in 13 races.
Harvard also placed ninth in the Oberg Trophy at BU, seventh in the Gibb Trophy at Tufts and ninth in the Midweek Tech Invitational Tuesday at MIT.


text:
Uniform Building Code, Volume 3
Pacific Coast Building Officials Conference, 1952 - Building laws
From inside the book
86 pages matching BUILDING CODE STANDARD in this book
Where's the rest of this book?
Results 1-3 of 86
What people are saying - Write a review
We haven't found any reviews in the usual places.
Other editions - View all
Common terms and phrases
allowable loads approved authority having jurisdiction automatic beam bending bolts BUILDING CODE STANDARD butt joints capacity carbon dioxide cent check valve checks Class compression compression members concrete connector construction Cont'd containers devices diameter dimension discharge distance Douglas Fir duct Edge of Wide equipment exceed Face inches feet film fire doors flammable liquids floor fusible plug gallons gauge Grade Gypsum hazard heartwood heat incl installed joists knots lag screw length less located lumber manufacturer material maximum measured metal minimum narrow face Nominal Width one-half inch one-quarter inch openings panel paragraph permitted piece pipe plates pounds pressure protection refrigerant required not required Section shake side six inches sizes Slope of Grain space specified sprinklers steel storage stress Structural surface Table tank temperature test specimen thickness tile Timbers tion UNIFORM BUILDING CODE valve vapors vent wall weight weld wide face


text:
Write Now! 3 – Grimm Art of Fairy Tales
Kate Bernheimer's article on The Grimm Art of Fairy Tales intrigues me in ways I can't describe. Since I was a little girl, fairy tales have always been a big part of my life. I found comfort in the idea that, like Vassilissa the Fair, my mother would never leave me wanting, and like Snow White, my kindness and general likability would gain me safety. These small morals were the cornerstone to my personality. So of course, I'm obsessed with them now! However, after getting in touch with my love of horror and suspense, I find that the sweet, normal fairy tales of my childhood don't quite… do it for me anymore.
And after reading Miss Bernheimer's article, I figured out why. All of them lack something. They lack the original source. They lack the social commentary, the deep, terrifying moral of all fairy tales. Baba Yaga was a warning against disobeying your elders' wisdom and, at the same time, a celebration of how that wisdom can, at times, be dangerous. Sleeping Beauty was a warning about how sometimes, not inviting the right people can ruin your entire life. The little mermaid did what Romeo and Juliet could not, and warned me away from stupid, single-minded love.
Intuitive logic, Flatness, and Happy endings, the article describes, are the three fundamentals of a fairy tale. to quote:
"Intuitive Logic. The fairy tale world does not conform to the rules of this world, outside of a book, but it does have rules. They will not be explained with insistence. A teapot will sing. A path will appear just when children need to escape terrible danger. A girl will outsmart a witch. Your chopped off hands will turn into silver and save your life later. In my early fiction, my characters often argued with those around them that they were misunderstood; when I removed all efforts to justify logic (try removing transitions like "Therefore" and "Because"), my readers stopped arguing the stories were illogical.
Flatness. In many old fairy tales, characters are not very deep, psychologically speaking. Snow White, the target of murderous impulses by relatives (sisters or mother) does not suffer depression as a result. She does have responses however: fear, sadness, etc. They are logical and not lingered on deeply. There is nothing wrong with stories that explore ideas about psychological depth; I like many of these stories. Yet flat characters leave room for the reader. In the space left behind, one can think in new ways – Imagine new planes of existence. By flattening characters out, fairy tales exceed limitations of individuality, uniqueness, and self.
Happy Endings. Happy endings are underrated and misunderstood. In lots of old fairy tales, terrible things precede the beautiful images that begin and end most fairy tales; besides what's wrong with a little consolation in a world teeming with senseless violence, poverty, grief? J.R.R Tolkien once defended happy endings as a vital technique in literature – reflecting, "Joy beyond the walls of the world, poignant as grief." If I want to end a story about death with an image of a white horse running down a beach, as men in tuxedos and women in evening gowns wander drunkenly into the sea, leaving a pretty girl on the beach, counting pennies in the moonlight – if I can create poetic joy in the words – this is okay. […]
Fairy tales are storybook worlds. You can cast the spell.
–The Grimm Art of Fairy Tales, Kate Bernheimer
Her exercise then is to find a very short, very old fairytale, and break it down into these three instances. I chose Vassilissa the Fair, as it's my favorite tale. It's the story of a girl who's mother, on her deathbed, gives her a doll and tells her if she runs into any trouble, to feed the doll and ask it's advice. Since this is a fairy tale, Vassilissa of course runs into trouble.
Now, the intuitive logic here, is that the doll will in fact come alive. No one asks how. Or why. Just that the doll, when fed, comes alive and helps the one that fed it. And this help, invariably, always, helps her. When Baba Yaga tells her to clean her house, the doll has it done by the time Vassilissa wakes from a short nap. When Vassilissa runs from the witch, the doll tells her not to speak to the three riders on the white, red and black horses (morning, noon and night respectively.). And when Vassilissa at the first is sent out of her home to get a flower in the middle of winter, the doll is the one that tells her about the clearing in which she finds the 12 men (the months in order.).
Flatness is easy to find, since all we know about Vassilissa is that she is 'fair', meaning most likely blonde and pale. We know she loved her mother very much. But we don't hear Vassilissa's thoughts. We don't find out if she feels responsible for her mother's death, or if she hates her stepmother and sister for sending her out into the forest each day. We never find out her feelings on Baba Yaga at all. And she's wholly unaffected by the world around her. Vassilissa is little but a vessel for us to pour our own thoughts and feelings into.
The Happy Ending changes, based on who's telling the story, of course, but my favorite is the one where the wicked sister goes out to get a blessing from Baba Yaga the way Vassilissa did, and never comes back, and the mother goes out to demand the men in the clearing give her flowers too, and never comes back. Vassilissa is left alone in her family home, to live her life. It's not as surreal, perhaps as Miss Bernheimer would ask for, but it suited the story.
You can use this technique on any story really, and every story can benefit from these three instances of fairy tale progression. Remove attempts to describe the logic of your world. Let the readers just accept the premise of your story, and if they have questions? Well, that's what Tumblr is for. Simplify or eliminate Character depth. It can always be added back in later. But for now, see how you can make room for the reader too. Don't erase the tragedy, but afterwards, give the reader some odd bit of hope, like a pearl found lodged between an old man's gums, which can then be used to buy passage onto a boat headed for a better life.more