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This is an archived article that was published on sltrib.com in 2012, and information in the article may be outdated. It is provided only for personal research purposes and may not be reprinted.
Wherever she goes, Republican candidate Mia Love says her top priority as a member of Congress would be balancing the federal budget. Everything else is "remodeling the kitchen when the house is on fire."
To do that, she has offered a detailed blueprint of deep cuts to federal programs totaling more than $750 billion.
It would mean whacking more than $2 billion of federal spending in Utah, slashing food assistance for the poor, eliminating school lunch subsidies and wiping out special-education aid.
She would end subsidized college loans like those she used herself when she earned her degree, and eliminate funds like those that were spent in the city she oversees as mayor, aimed at preventing homelessness.
Love says her list which was sent to Republican voters before the state convention and provided to The Salt Lake Tribune by a GOP delegate after she won the nomination was a starting point, a first crack at getting a grip on the nation's trillion-plus-dollar deficit.
"It was a good way to get people to start talking about it," the Saratoga Springs mayor said in a recent interview. "You almost look at this [deficit] and ask yourself, 'How do you start?' We were just looking at it holistically."
Love's plan would trim $758.6 billion from the federal budget, although that includes $212 billion in long-term savings from capping Medicaid growth and $87 billion from repealing the Affordable Care Act. It wouldn't touch the Defense Department, an area Love said she needs to understand better before recommending cuts.
Love's Democratic opponent in Utah's new 4th Congressional District, veteran Rep. Jim Matheson, hasn't seen her plan, but doesn't think voters will like her budget-slashing proposals.
'Way out there' • "The notion of cutting back on loans and grants for kids to go to college is exactly the wrong thing to do. That's our investment in the future," he said. "I think most people in Utah just don't buy into cutting those things. I think it's an example that on many issues she's way out there in regard to where the average Utahn is. That's not the way we're going to balance the budget."
Matheson has not offered the same kind of specifics, but has endorsed the budget blueprint put forward last year by the Simpson-Bowles deficit commission. That plan calls for $200 billion in cuts to departments, including defense; controls on Medicare and Social Security growth; cuts to farm subsidies and a 10 percent reduction in the federal workforce which Love also endorses.
Love said she's not surprised her opponent is portraying her as a radical, but insisted she is serious about getting the deficit under control.
"It's going to be hard. Let's not make any pretenses about it. It's going to be hard. It's going to take time. We're going to have to roll up our sleeves," Love said. "I'm just willing to look at it, because it's a plan."
Her blueprint draws heavily on the work of the Cato Institute, a libertarian think tank based in Washington that created a website with recommended cuts, called downsizinggovernment.org.
"Ultimately, the federal budget is going to have to be cut. The United States cannot run trillion-dollar deficits endlessly," said Chris Edwards, director of tax policy studies at Cato and editor of the group's downsizing project, who applauds anyone "who has the guts" to provide details on the budget cuts they support.
"That's what is missing in Washington," he said, "is a discussion of specifics."
Going hungry • One of Love's biggest cost savings comes from cutting food subsidies in the state by half. That includes chopping more than $200 million from Utah's food stamp payments.
Each month the state distributes about $34 million in food stamps, enough to help feed 112,000 people twice as many as five years ago.
"It's not because they want to be on government assistance. It's because they need help," countered Gina Cornia, executive director of the group Utahns Against Hunger. "They're elderly households and disabled households. Fifty-three percent of individuals who get food stamps in Utah are kids."
Love would also trim the program that provides food assistance to pregnant mothers and children in poverty.
She said U.S. poverty programs aren't working and are miring people in a cycle of dependence.
"If you think about how much money we're spending, we spend $900 billion on poverty programs that are supposed to end poverty, but it continues to grow," she said. "I believe the best way to help the poor and the hungry is to help them get work, rather than just keep them dependent on government. We want to help them achieve their full potential."
In addition, Love's proposal would eliminate the federal school lunch program, a role that Cato said should be handled by local governments. The state received $144 million last year from the Department of Agriculture to serve school lunches, according to federal spending data compiled by the group OMB Watch.
College crunch • Love's list also takes aim at eliminating higher-education subsidies, including subsidized college loans and grants. The federal Pell Grant program alone provided $471 million in tuition aid to Utah students last year.
Congress struck a deal last week to extend the subsidized loans, a program that Love benefited from as a student. She continues to list between $15,000 and $50,000 in college loan debt on her financial disclosure.
Love said that, at the time, government had crowded out private lenders and the subsidized loans were all that was available.
"It interfered with the marketplace and that was the only option," she said. "I think the marketplace could bring the costs to go to school down."
But Ann House, coordinator of the Personal Money Management Center at the University of Utah, said she sees students frequently falling victim to predatory lenders. One student was charged $17,000 in interest and is paying $800 a month after graduation.
She said nearly half of all U. students depend on student loans even though 87 percent of them work to pay for college.
"It's beginning to look like, without these loans, they can't really make it through college anymore. Things have changed," House said. "I don't think the United States can get out of debt by looking at student loans. … We have to look at this globally. If the U.S. can't keep up with China and India and these other countries, that's going to hurt us for decades. So it's important that we get these students through college."
Love's proposed cuts would also sap more than $100 million in federal funds to public education in Utah, including more than $38 million in special-education grants; nearly $21 million in grants to low-income Title I schools; and millions more for other programs.
Love has previously proposed disbanding the U.S. Department of Education and turning programs over to the states.
Housing and more • In one of the biggest cuts proposed, Love would wipe out $60 billion in national grants by the U.S. Department of Housing and Urban Development. Last year those grants poured more than $70 million into Utah to do such things as build homeless shelters and affordable housing and subsidize rents.
"You have to ask if all the housing-assistance programs are working," she said. "We want to make sure that we're not making people more poor, we're not putting more people into poverty."
But Afton January, a program coordinator with the Utah Housing Coalition, said people at the bottom of the economic ladder are struggling to recover from the recession, and it would be a mistake to assume that private markets, churches and community groups can take the place of the federal help.
"It's really troubling to me," January said, "that a candidate for public office would propose to completely eliminate those programs without putting forth some workable, viable, realistic plan to provide an alternative to help those people."
There are more cuts in Love's plan, many more from halving the Earned Income Tax Credit relief to lower-income working families to privatizing the nation's air traffic control system.
None of it's easy, Love acknowledges, but she says it's the nasty-tasting medicine the country needs to recover.
"It's going to be difficult, but I think at the end of the day, my kids are going to inherit all of this. Your kids are going to inherit all of this. It's a big chunk [of debt]," she said. "We have to look at everything."
Twitter: @RobertGehrke
How much would Mia Love's budget save?
Eliminate HUD programs • $60.8 billion nationally; $70.1 million in Utah
Cut food subsidies by 50 percent • $52.7 billion nationally; nearly $400 million in Utah
End K-12 subsidies • $52.7 billion nationally; $147 million in Utah
Eliminate farm subsidies and rural subsidies • $33.7 billion nationally; $58.6 million in Utah
End college assistance • $33.1 billion nationally; $471 million in Utah
Cut Earned Income Tax Credit in half • $22.5 billion nationally; $207 million in Utah
End Environmental Protection Agency grants • $6.5 billion nationally; $36.3 million in Utah
End Justice Department grants • $5 billion; $2 million in Utah
Eliminate Corporation for National & Community Service (includes AmeriCorps) • $600 million nationally; $6 million in Utah
Privatize the following • Amtrak, the air traffic control system and the Army Corps of Engineers
End subsidies to the Public Broadcasting Service
Eliminate various energy-efficiency and research programs
Cut various health department grants by half
Sources: Budget proposal by Mia Love; OMBWatch.org Fedspending database; Internal Revenue Service; Utah Department of Workforce Services


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subset: commoncrawl


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Humans are making Earth a broken and increasingly unlivable planet through climate change, biodiversity loss and pollution. So the world must make dramatic changes to society, economics and daily …
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Humans are making Earth a broken and increasingly unlivable planet through climate change, biodiversity loss and pollution. So the world must make dramatic changes to society, economics and daily life, a new United Nations report says.
Unlike past U.N. reports that focused on one issue and avoided telling leaders actions to take, combines three intertwined environment crises and tells the world what's got to change. It calls for changing what governments tax, how nations value economic output, how power is generated, the way people get around, fish and farm, as well as what they eat.
"Without nature's help, we will not thrive or even survive," Secretary-General Antonio Guterres said. "For too long, we have been waging a senseless and suicidal war on nature. The result is three interlinked environmental crises."
Thus the 168-page report title is blunt: "Making Peace With Nature."
"Our children and their children will inherit a world of extreme weather events, sea level rise, a drastic loss of plants and animals, food and water insecurity and increasing likelihood of future pandemics," said report lead author , who has chaired past UN science reports on and
"The emergency is in fact more profound than we thought only a few years ago," said Watson, who has been a top level scientist in the U.S. and British governments.
The report highlighted what report co-author of the University of East Anglia called "a litany of frightening statistics that hasn't really been brought together:"
• Earth is on the way to an additional 3.5 degrees warming from now (1.9 degrees Celsius), far more than the international agreed upon goals in the Paris accord.
• About 9 million people a year die from pollution.
• About 1 million of Earth's 8 million species of plants and animals are threatened with extinction.
• Up to 400 million tons of heavy metals, toxic sludge and other industrial waste are dumped into the world's waters every year.
• More than 3 billion people are affected by land degradation, and only 15% of Earth's wetlands remain intact.
• About 60% of fish stocks are fished at the maximum levels. There are more than 400 oxygen-depleted "dead zones" and marine plastics pollution has increased tenfold since 1980.
"In the end it will hit us," said biologist Thomas Lovejoy, who was a scientific advisor to the report. "It's not what's happening to elephants. It's not what's happening to climate or sea level rise. It's all going to impact us."
The planet's problems are so interconnected that they must be worked on together to be fixed right, Warren said. And many of the solutions, such as eliminating fossil fuel use, combat multiple problems including climate change and pollution, she said.
The report "makes it clear that there is no time for linear thinking or tackling problems one at a time," said University of Michigan environment professor Rosina Bierbaum, who wasn't part of the work.
In another break, this report gives specific solutions that it says must be taken.
This report uses the word "must" 56 times and "should" 37 times. There should be 100 more because action is so crucial, said former U.N. climate chief Christiana Figueres, who wasn't part of the report.
"Time has totally ran out. That's why the word 'must' is in there," Figueres said.
The report calls for an end to fossil fuel use and to $5 trillion in government subsidies for fossil fuel and other industries that degrade the environment. It says governments should not tax labor or production, but use of resources that damages nature.
Scientists should inform leaders about environmental risks "but their endorsement of specific public policies threatens to undermine the credibility of their science," said former Republican Rep. Bob Inglis, who founded the free market climate think tank
The report also tells nations to value nature in addition to the gross domestic product when calculating how an economy is doing. And it says people and governments "need to be redeployed from transforming nature to transforming the social and economic fabric of society."
Getting there means changes by individuals, governments and business, but it doesn't have to involve sacrifice, said .
"There's a country that has been on that path for 25 years: Costa Rica," Andersen said, adding that more than 125 countries pledging to have net zero carbon emissions by mid century is encouraging. "Yes, these are difficult times, but more and leaders are stepping in."
Follow Seth Borenstein on Twitter at .
The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute's Department of Science Education. The AP is solely responsible for all content.


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18Description:Mode of access: Online. OTA website Modern American spelling Publication based on this text: A concordance to the works of Christopher Marlowe / by Louis Ule. -- Hildesheim ; New York : Georg Olms Verlag, 1979. -- (The ...This item contains 2 files (116.95 KB).Publicly Available -


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Intoxicated in the air: drunk pilots make news but are rare
Every few months, a pilot somewhere in the world is stopped before their jet takes off because a passenger or co-worker smelled alcohol on their breath. It makes headlines and gives nervous travelers another reason to avoid flying.
Despite their notoriety, such cases are extremely rare.
Each day, there are 90,000 flights around the world, carrying more than 8 million people. And the overwhelming majority of pilots in those cockpits are sober.
Pilots take being fit to fly seriously and act accordingly," says former US Airways pilot John M. Cox, now CEO of the consulting firm Safety Operating Systems. "Pilots know they are one of the most carefully monitored professions and therefore, are very conservative."
There are occasional lapses. The latest incident occurred Saturday morning when two United Airlines pilots were pulled from their flight — and arrested — as they prepared to fly 141 passengers from Scotland to the United States.
But don't think this will end the pilots' careers.
United has removed both men from flying duties — for now.
Many pilots caught drinking on the job have later returned to the skies.
The United pilots, Paul Brady Grebenc, 35, and Carlos Roberto Licona, 45, were released on bail Monday. Grebenc, from Columbus, Mississippi, and Licona, from Humble, Texas, made no plea and are free until a later court hearing.
The Federal Aviation Administration has a process that allows recovering alcoholics back in the cockpit if they pass a medical evaluation and stay clean during monitoring for the next five years. Since the union-backed program started in the 1970s, about 5,300 pilots — more than 100 a year — have gone through rehab and regained their licenses, according to a program official.
"Pilots aren't any different than other people in the respect of having occasions they probably regret," says airline analyst Robert Mann.
U.S. rules prohibit pilots from flying if they have a blood-alcohol content of .04 percent or higher. (The United Kingdom has a stricter limit of .02 percent.) By comparison, the legal threshold to drive a car in the U.S. is twice that level at 0.08 percent.
Pilots must also wait several hours after having a drink to fly. The FAA has a saying for this: "Eight hours from bottle to throttle."
Last year, random alcohol tests were given to 12,480 U.S. pilots. Only 10 failed.
Pilots in the U.S. and most of Europe are only tested randomly or if there is a suspicion that they are drunk. There are also random drug tests.
But in India, all pilots and flight attendants are tested before departing. That's every single one on every outbound flight. With that stricter policy, 43 pilots tested positive for alcohol before flights last year, according to India's civil-aviation agency. India has about one-tenth the number of annual flights as the United States.
Fliers might take solace in knowing that the danger from drunk drivers is much greater. Each year, about 10,000 people are killed on American highways because of drunk drivers — almost a third of all driving fatalities — according to the National Highway Traffic Safety Administration.
But there is a mental disconnect between statistics when it comes to flying. There's something unsettling to many fliers about being buckled into a metal tube, racing through the air near the speed of sound without being able to see who is at the controls.
"If you are in a taxi and you think your driver is drunk, you ask them to pull over and get out," says John DiScala, who runs the travel advice site JohnnyJet.com . "You can't ask a pilot to pull over."
Since the 1970s, airline pilots have had a confidential program in which they can be treated for alcohol abuse and return to the cockpit. Those in the program, called the Human Intervention Motivation Study or HIMS, must be evaluated by an FAA-certified doctor. The pilot is interviewed monthly by a flight manager and a committee of other pilots. Because of the risk of relapse, monitoring usually continues for several years after a pilot returns to flying.
Paul Hayes, director of air safety for aviation consultancy firm Ascend, says that it is extremely rare that alcohol is a factor in an accident.
But there have been a handful of crashes tied to drinking.
In 1977, the American pilot of a Japan Air Lines DC-8 cargo jet was drunk when he crashed the plane during takeoff from Anchorage. All five people onboard — all crew — died.
In September 2008, an Aeroflot flight within Russia crashed on its landing approach, killing 88 people. One of the factors, according to investigators, was that the pilot became disorientated as a result of his drunkenness.
Back in the U.S., there are a handful of cases where pilots were caught actually flying passengers drunk.
A JetBlue Airways pilot was charged with flying two flights between New York and Orlando in 2015 while under the influence. An Alaska Airlines pilot was charged with being drunk on two 2014 flights between Oregon and California.
The most famous case though might be a 1990 Northwest Airlines flight from Fargo, North Dakota, to Minneapolis.
The three pilots had been out at a bar the prior night. One had more than 15 rum and colas while the other two shared at least six pitchers of beer. Their flight left at 6:30 a.m. but two of them had been out at the bar until 10:30 p.m., the other staying until 11:30 p.m.
The plane landed safely; the pilots ultimately ended up in prison.


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Arax Holdings has the Momentum Rank of 10.
For Momentum Rank, we considered the residual momentum concept that was widely studied by Blitz and his colleagues as well as by Nobel Prize laureates Fama and French. However, we did not find any significant differences in the performances of stocks with different ranks of residual momentum. Therefore, we use traditional momentum instead.
Momentum Rank is determined using the standardized momentum ratio and other momentum indicators. The standardized momentum ratio is the average of the performances from 12 months ago to 1 month ago and 6 months ago to 1 month ago, divided by the beta of the stock over the past 12 months. To calculate the momentum ratio today, we would use the average of the two performance numbers.
For momentum, we found that stock price performance does not have a monotonic correlation with the momentum ratio. The stocks with the highest momentum ratios perform worse than those at about the 70th percentile. Therefore, for the momentum rank, we ranked the stocks at about the 70th percentile of the momentum ratio as the highest at 10.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
For the Software - Infrastructure subindustry, Arax Holdings's Momentum Rank, along with its competitors' market caps and Momentum Rank data, can be viewed below:
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Place | Milan (Italy) |
Conclusion | 13/12/1985 |
Basic Principles on the Independence of the Judiciary
Adopted by the Seventh United Nations Congress on the Prevention of Crime and the Treatment of Offenders held at Milan from 26 August to 6 September 1985 and endorsed by General Assembly resolutions 40/32 of 29 November 1985 and 40/146 of 13 December 1985
Whereas in the Charter of the United Nations the peoples of the world affirm, inter alia , their determination to establish conditions under which justice can be maintained to achieve international cooperation in promoting and encouraging respect for human rights and fundamental freedoms without any discrimination,
Whereas the Universal Declaration of Human Rights enshrines in particular the principles of equality before the law, of the presumption of innocence and of the right to a fair and public hearing by a competent, independent and impartial tribunal established by law,
Whereas the International Covenants on Economic, Social and Cultural Rights and on Civil and Political Rights both guarantee the exercise of those rights, and in addition, the Covenant on Civil and Political Rights furtherguarantees the right to be tried without undue delay,
Whereas frequently there still exists a gap between the vision underlying those principles and the actual situation,
Whereas the organization and administration of justice in every country should be inspired by those principles, and efforts should be undertaken to translate them fully into reality,
Whereas rules concerning the exercise of judicial office should aim at enabling judges to act in accordance with those principles,
Whereas judges are charged with the ultimate decision over life, freedoms, rights, duties and property of citizens,
Whereas the Sixth United Nations Congress on the Prevention of Crime and the Treatment of Offenders, by its resolution 16, called upon the Committee on Crime Prevention and Control to include among its priorities the elaboration of guidelines relating to the independence of judges and the selection, professional training and status of judges and prosecutors,
Whereas it is, therefore, appropriate that consideration be first given to the role of judges in relation to the system of justice and to the importance of their selection, training and conduct,
The following basic principles, formulated to assist Member States in their task of securing and promoting the independence of the judiciary should be taken into account and respected by Governments within the framework of their national legislation and practice and be brought to the attention of judges, lawyers, members of the executive and the legislature and the public in general. The principles have been formulated principally with professional judges in mind, but they apply equally, as appropriate, to lay judges, where they exist.
Independence of the judiciary
1. The independence of the judiciary shall be guaranteed by the State and enshrined in the Constitution or the law of the country. It is the duty of all governmental and other institutions to respect and observe the independence of the judiciary.
2. The judiciary shall decide matters before them impartially, on the basis of facts and in accordance with the law, without any restrictions, improper influences, inducements, pressures, threats or interferences, direct or indirect, from any quarter or for any reason.
3. The judiciary shall have jurisdiction over all issues of a judicial nature and shall have exclusive authority to decide whether an issue submitted for its decision is within its competence as defined by law.
4. There shall not be any inappropriate or unwarranted interference with the judicial process, nor shall judicial decisions by the courts be subject to revision. This principle is without prejudice to judicial review or to mitigation or commutation by competent authorities of sentences imposed by the judiciary, in accordance with the law.
5. Everyone shall have the right to be tried by ordinary courts or tribunals using established legal procedures. Tribunals that do not use the duly established procedures of the legal process shall not be created to displace the jurisdiction belonging to the ordinary courts or judicial tribunals.
6. The principle of the independence of the judiciary entitles and requires the judiciary to ensure that judicial proceedings are conducted fairly and that the rights of the parties are respected.
7. It is the duty of each Member State to provide adequate resources to enable the judiciary to properly perform its functions.
Freedom of expression and association
8. In accordance with the Universal Declaration of Human Rights, members of the judiciary are like other citizens entitled to freedom of expression, belief, association and assembly; provided, however, that in exercising such rights, judges shall always conduct themselves in such a manner as to preserve the dignity of their office and the impartiality and independence of the judiciary.
9. Judges shall be free to form and join associations of judges or other organizations to represent their interests, to promote their professional training and to protect their judicial independence.
Qualifications, selection and training
10. Persons selected for judicial office shall be individuals of integrity and ability with appropriate training or qualifications in law. Any method of judicial selection shall safeguard against judicial appointments for improper motives. In the selection of judges, there shall be no discrimination against a person on the grounds of race, colour, sex, religion, political or other opinion, national or social origin, property, birth or status, except that a requirement, that a candidate for judicial office must be a national of the country concerned, shall not be considered discriminatory.
Conditions of service and tenure
11. The term of office of judges, their independence, security, adequate remuneration, conditions of service, pensions and the age of retirement shall be adequately secured by law.
12. Judges, whether appointed or elected, shall have guaranteed tenure until a mandatory retirement age or the expiry of their term of office, where such exists.
13. Promotion of judges, wherever such a system exists, should be based on objective factors, in particular ability, integrity and experience.
14. The assignment of cases to judges within the court to which they belong is an internal matter of judicial administration.
Professional secrecy and immunity
15. The judiciary shall be bound by professional secrecy with regard to their deliberations and to confidential information acquired in the course of their duties other than in public proceedings, and shall not be compelled to testify on such matters.
16. Without prejudice to any disciplinary procedure or to any right of appeal or to compensation from the State, in accordance with national law, judges should enjoy personal immunity from civil suits for monetary damages for improper acts or omissions in the exercise of their judicial functions.
Discipline, suspension and removal
17. A charge or complaint made against a judge in his/her judicial and professional capacity shall be processed expeditiously and fairly under an appropriate procedure. The judge shall have the right to a fair hearing. The examination of the matter at its initial stage shall be kept confidential, unless otherwise requested by the judge.
18. Judges shall be subject to suspension or removal only for reasons of incapacity or behaviour that renders them unfit to discharge their duties.
19. All disciplinary, suspension or removal proceedings shall be determined in accordance with established standards of judicial conduct.
20. Decisions in disciplinary, suspension or removal proceedings should be subject to an independent review. This principle may not apply to the decisions of the highest court and those of the legislature in impeachment or similar proceedings.


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Preparing the Baby Nursery
When your baby arrives, you will be the center of her universe. And that universe will be largely centered around the nursery. You and your baby are both going to spend a lot of time in the nursery, especially when you first bring your baby home, so it's important to make it a calm, cozy place for both of you. Check out these nursery essentials you need to prepare a safe, comfortable nursery.
Choosing The Right Baby Nursery Environment
Don't be afraid to clean your newborn's umbilical cord. Be sure that you have washed your hands before handling the cord. If the umbilical cord becomes soiled with urine or feces, you should clean the area when you change your baby's diaper. To clean the cord safely, take a cotton swab, cotton square or cotton round and clean around the base of the umbilical cord with clean water.
Her nursery should be a peaceful place, designed for ease of use and comfort. Arrange the furniture and items in a way you think makes the most sense logically, but realize that you may need to rearrange things a little once you figure out what works best for both of you.
Choosing a Nursery Crib and Crib Mattress
Your newborn's nursery needs are simple: a firm, flat mattress and a safe enclosure where she will feel protected and secure. New cribs purchased in the United States must meet safety regulations and the new federal requirements advise not to use cribs older than 10 years. But if you borrow an older crib, make sure that:
- The crib slats are no more than two and three eighths (2 3/8) inches apart to prevent your baby's body from slipping through. Ensure there are no missing or cracked slats
- The mattress fits snugly. You should be able to fit no more than two fingers between the mattress and the side of the crib. Remove any plastic coverings. If a sheet is used, make sure it is a tight, fitted sheet
- The top section of the corner post is no higher than 1/16 of an inch to avoid snagging your baby's clothes or causing injury
- There are no decorative cutouts in the headboard or footboard — they could catch your baby's head or limbs
- To prevent entanglement, be sure to remove all mobile or hanging items by the time your baby is 4 months old or begins to pull herself up. And when your baby is less than four months, make sure the mobile is out of reach and securely fastened so it can't fall into the crib
- The crib is never near a window with blind, curtain cords or baby monitor cords; babies can strangle themselves on cords. Never place a crib near windows where the window is accessible from the crib
- The crib does not have drop sides — these are no longer permitted per the latest safety guidelines and federal regulations
- All crib parts are secure using original hardware. Makeshift repairs can be unsafe
- You check recall lists for older cribs. You can access these at CPSC.gov
Newborn Sleep Safety Tips in the Nursery
- To reduce the risk of Sudden Baby Death Syndrome (SIDS), your baby should be placed on her back when it's time to sleep. Remember the phrase "Back to Sleep," and be sure that everyone who cares for your child follows this newborn sleep rule, even at naptime
- The sleeping surface must be firm and flat
- Fluffy pillows, crib bumpers, blankets and toys should never be placed in the crib with a sleeping baby
- Do not use sleep-positioning devices. These may look like a good idea, but your baby can become trapped and suffocate
- Your baby can be kept warm by using a sleeper, such as a zipper sleeper. Do not use sleepers that can ride up and potentially cover your baby's face
For more on baby sleep safety, visit CPSC.gov, aap.org, and keepingbabiessafe.org.
Benefits of a Bassinet
While not a nursery necessity, you may prefer a bassinet in the first months of infancy. These portable baby beds can be carried from room to room, so you can keep a close watch on your sleeping baby.
And because most bassinets will not support the weight of an older baby, they're useful only for the first four or five months, which makes them a bit of a luxury item.
Choosing a Changing Table
To change your baby's diaper, you can use a changing table specifically designed for baby diaper changing. You can also use a flat, secure surface (like the floor or bed), covered with a changing pad or towel. Whatever you choose, be sure the surface is sturdy.
If you buy a changing table specifically designed for baby diaper changing, make sure that:
- The changing table is sturdy and stable, with a 2-inch guardrail around all four sides. The top of the changing table should be concave, so that the middle is slightly lower than the sides
- You secure the changing table to the wall (to the studs), if possible, to prevent tip-overs. If the table has wheels, be sure they are locked
- Have all your supplies ready before you change your baby. Make sure they are within your reach, but out of your baby's reach. Do not give your baby product containers to hold while you are changing her; give her a toy to hold instead
Never leave your baby alone on a changing table, not even for a minute. ALWAYS keep one hand on your baby when using a changing table, even when you are using the provided safety strap. Ignore the phone during this time — your baby's safety comes first!
Before you purchase or use any changing table, check for recalls at CPSC.gov.


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ScanExpress Debugger Demo
Please turn on your speakers before playing the demo and press F11 in your browser to maximize the viewing area. These Video Demos are an online video demo of Corelis Software. This demonstration runs through many capabilities of Corelis Software, demonstrates it working with a real target, and provides an excellent overview of the software's major features.


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Summer Opera 2006: "After Life"
Earlier this month, Dutch composer Michel van der Aa (b. 1970) directed the premiere of his new opera, After Life, on a libretto adapted from the film of Hirokazu Kore-Eda, at De Nederlandse Opera in Amsterdam. Van der Aa also wrote and directed the video and sound pieces that are integrated into the live performance. Here is a brief summary of the plot from the DNO Web site:
Those who have died are required to choose a favorite memory to take with them into eternity as they arrive at an intermediary point; they may only proceed on their path to heaven once they have named their most defining moment. They are allowed one week in which to make their choice, during which time they are helped by others who have predeceased them but who themselves have not been able to make their choice and so therefore must remain at the intermediary point.There were a few reviews, beginning with Andrew Clements (After Life, June 8) in The Guardian:
Like the movie, van der Aa's piece combines the imaginary with the real, intercutting the fictional operatic action with documentary video interviews in which a variety of people are asked to remember the defining moments in their lives. The opera's eight protagonists are in limbo, poised between life and death and confronting that same question, selecting the one memory from their past lives to take with them into eternity. Those that cannot choose remain caught between the two worlds until they make a decision, and it's the intertwined fates of two characters, one newly arrived, the other marooned there for 50 years but both involved with the same woman, that provides the main narrative thread.Van der Aa has a press roundup of his own at his Web site, excerpts all translated into English from Dutch and other languages. I wish I could find more about the score. Anyone?
But it's the meshing of that plot with the documentary elements that proves so teasingly effective, for as the 100-minute piece goes on, the boundary between the two blurs until the four interviewees are seen on video encountering the operatic characters, so that their touching stories seem to infuse the fantasy with something much more directly emotional. It's a strange effect, supported and sustained by van der Aa's ensemble writing, which is dominated by richly detailed string textures and enriched by electronic transformations, though the vocal writing (to an English text) is not always equally effective.


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The loft is a design and branding company based in the heart of Glasgow.
We have a big, beautiful, open space with ample room for individual creatives looking for a new place to call home. Based within Merchant City, our studio is housed in South Block, one of Glasgow's most famous hubs housing many of the city's finest artists, designers and creative companies. You'll be surrounded by creativity.
We offer
– A wonderful creative environment with other freelancers and our own team.
– Fixed Desk Space.
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– And Wi-Fi of course.
The price is £120 (+20%VAT.)
Please contact email@example.com or phone 0141 354 1595 for more information.
We can't wait to hear from you.
The loft team
Meeting Room


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Livia Corsage - #PC027
Regular price $34.50 USDMake a statement with one of our beautiful Pin On Corsages
This corsage has royal blue halo calla lily, navy and royal roses accented with pearls with white ribbon
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We are working really hard to get all the photos up to the website, there are a few missing. Please be patient with us as we update the website


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Tom Hiddleston Returns as 'Loki' In First Disney Plus Trailer
When last we saw Loki he died.
(He got better.)
Killed by Thanos in the opening scene of Avengers: Infinity War, Loki got a new lease on life in Avengers: Endgame, when a Loki from earlier in the Marvel Cinematic Universe timeline (2012 circa the end of The Avengers, to be precise) got his hands on the Tesseract and escaped with it to parts unknown. They'll become known in Loki, the new Disney+ series, that follows this new (old?) Loki, played by Tom Hiddleston on an all-new adventure.
The first trailer for the show, which debuts next summer, features some new characters, new locations, and some looks for Loki that will be very familiar to fans of Marvel Comics, and particularly 2016's Vote Loki. Watch it below:
Yes, that's Owen Wilson as a member of the TVA — also known as the Time Variance Authority — which first debuted in the pages of Thor comics (appropriately for a Loki series) back in the 1980s, and is charged with protecting the time stream from threats like Kang the Conquerer —who was also confirmed by Marvel (for the upcoming Ant-Man and the Wasp: Quantumania) on the same night that this trailer debuted. That ... does not feel like a coincidence, does it? It doesn't to us. Loki premieres on Disney+ in May of 2021.
Gallery — The Movies You Never Realized Inspired the MCU:


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Colour Description: A deep vampy eggplant
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Mixed Signals
How TV Retailers Mislead Consumers On The Digital Television (DTV) Transition
MASSPRG conducts survey of national TV retails stores and finds that consumers are getting Mixed Signals.
One year from now 22 million Americans who rely on free over-the-air analog broadcasting will be at risk of losing access to TV. On February 17, 2009, analog televisions that receive over-the-air signals will go dark, unless they are retrofitted with digital converter boxes.
For many Americans who are hearing about the transition for the first time, information about the change comes from electronic store retailers, where consumers ask what is necessary to maintain TV reception – a primary source for news, information and entertainment.
In an effort to determine America's preparedness for the transition, the Massachusetts Public Interest Research Group (MASSPIRG) Education Fund conducted a "secret shopper" survey at 132 locations of five leading national electronics retailers in ten states.
The survey found that retail electronic store staff are largely uninformed and are not adequately preparing consumers for the impending transition to digital television.
Our survey shows that the majority of retailers provide inaccurate or misleading information about the digital transition. Many sales clerks tried to persuade our surveyors to buy new, expensive digital televisions or high-definition televisions rather than explaining the availability of the less expensive option, such as buying converter boxes, discounted by government coupons available to anyone who needs one.
Specifically, staff at these 132 locations provided the following inaccurate or misleading information about the digital transition.
• 81% of the sales staff did not know about or gave out inaccurate information about converter boxes.
• 78% of the sales staff provided inaccurate information about the federal government's coupon program for converter boxes.
• 42% of sales staff provided inaccurate information about the month of the digital transition deadline date.
To protect consumers against misinformation or consumer fraud, the MASSPIRG Education Fund makes the following recommendations. Retailers must ensure:
• they adequately educate staff about converter boxes and the coupon program.
• converter boxes are made available at fair prices.
• consumers are informed of the availability of federal coupons.
• analog TV sets remaining on store shelves are properly labeled.
Additionally, the federal government must enforce penalties against companies that mislead consumers in an effort to reap greater profits from the sale of TVs to people who could get by with a low cost converter box, with its price reduced further by a $40 government coupon.
The congressionally mandated transition to a digital system gave broadcasters one of the largest public giveaways in the history of our nation. The value of the publicly owned airwaves used by broadcasters increased by billions of dollars, for which broadcasters paid nothing.
The public lost out to powerful broadcasters when the decision to switch systems was made. Now, one year from the switch date, it looks like consumers are in danger of losing out again by unknowingly being steered toward the purchase of unnecessary, expensive equipment by uninformed or dishonest sales clerks.


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By JULIE PACE
FILE – In this June 17, 2013 file photo, President Barack Obama and Russian President Vladimir Putin get up to leave after their meeting in Enniskillen, Northern Ireland. President Barack Obama said he was "disappointed" that Russia had granted temporary asylum to National Security Agency leaker Edward Snowden, defying administration demands that the former government contractor be sent back to the U.S. to face espionage charges. (AP Photo/Evan Vucci, File)
LOS ANGELES (AP) — In a rare diplomatic rebuke, President Barack Obama on Wednesday canceled his Moscow summit with Russian President Vladimir Putin.
The decision reflected both U.S. anger over Russia's harboring of National Security Agency leaker Edward Snowden and growing frustration within the Obama administration over what it sees as Moscow's stubbornness on other key issues, including missile defense and human rights.
Obama will still attend the Group of 20 economic summit in St. Petersburg, Russia, but a top White House official said the president had no plans to hold one-on-one talks with Putin while there. Instead of visiting Putin in Moscow, the president will add a stop in Sweden to his early September travel itinerary.
White House deputy national security adviser Ben Rhodes said Russia's decision last week to defy the U.S. and grant Snowden temporary asylum only exacerbated an already troubled relationship. And with few signs that progress would be made during the Moscow summit on other agenda items, Rhodes said the president decided to cancel the talks.
"We'll still work with Russia on issues where we can find common ground, but it was the unanimous view of the president and his national security team that a summit did not make sense in the current environment," Rhodes said.
Obama's decision to scrap talks with Putin is likely to deepen the chill in the already frosty relationship between the two leaders. They have frequently found themselves at odds on pressing international issues, most recently in Syria, where the U.S. accuses Putin of helping President Bashar Assad fund a civil war. The U.S. has also been a vocal critic of Russia's crackdown on Kremlin critics and recently sanctioned 18 Russians for human rights violations.
For its part, Moscow has accused the U.S. of installing a missile shield in Eastern Europe as a deterrent against Russia, despite American assurances that the shield is not aimed at its former Cold War foe. Putin also signed a law last year banning U.S. adoptions of Russian children, a move that was seen as retaliation for the U.S. measure that cleared the way for the human rights sanctions.
The U.S. was expected to notify the Russians Wednesday morning about Obama's decision to shutter the Moscow summit, though the two presidents were not expected to speak directly. Obama and Putin last met in June on the sidelines of the Group of 8 summit in Northern Ireland.
Obama, who is traveling in California, said in an interview Tuesday that he was "disappointed" by Russia's move to grant Snowden asylum for one year. But he said the move also reflected the "underlying challenges" the U.S. faces in dealing with Moscow.
"There have been times where they slip back into Cold War thinking and a Cold War mentality," Obama said in an interview on NBC's "The Tonight Show."
Snowden is accused of leaking highly secretive details about NSA surveillance programs. He first fled from the U.S. to Hong Kong, then made his way to Russia. He was marooned in the transit zone of a Moscow airport for more than a month before Russia granted him asylum last week.
For Russia, the decision could be used as cover to depict itself of a defender of human rights amid criticism from the U.S. and other nations of its tough crackdown on dissent.
Even as Obama scraps plans to meet with Putin, Secretary of State John Kerry and Defense Secretary Chuck Hagel are preparing for meetings in Washington on Friday with their Russian counterparts. Snowden's status is expected to be a main topic of conversation.
The lower-level meetings with Russia underscore that the U.S. cannot completely sever ties with the Kremlin. Russian transit routes are critical to the U.S. as it removes troops and equipment from Afghanistan. And despite deep differences over Syria's future, the White House knows it will almost certainly need some level of Russian cooperation in order to oust Assad.
Still, some congressional lawmakers have called for Obama to not only scrub the Moscow summit but also demand that Russia forfeit its right to host the G-20 summit. Others have spoken of boycotting next year's Winter Olympics in the Russian city of Sochi.
In his interview Tuesday, Obama defended his decision to attend the G-20 summit, an annual gathering of the world's largest economies. Given the U.S. role in an increasingly interdependent global economy, Obama said it made sense to have high-level representation.
The G-20 summit is scheduled to take place in St. Petersburg on Sept. 5-6. Obama will make his first visit to Sweden ahead of the summit, though his itinerary is unclear.
Rhodes said Sweden has been an important U.S. partner on clean energy issues and will be part of a U.S. trade agreement being negotiated with the European Union.


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Съдържанието не е налично на български език.
Francesco Natalini Raponi
- 5 October 2021
- STATISTICS PAPER SERIES - No. 41Details
- Abstract
- In carrying out its banking supervision tasks as part of the Single Supervisory Mechanism (SSM), the European Central Bank (ECB) collects and disseminates data on significant and less significant institutions. To ensure harmonised supervisory reporting standards, the data are represented through the European Banking Authority's data point model, which defines all the relevant business concepts and the validation rules. For the purpose of data quality assurance and assessment, ECB experts may implement additional plausibility checks on the data. The ECB is constantly seeking ways to improve these plausibility checks in order to detect suspicious or erroneous values and to provide high-quality data for the SSM.
- JEL Code
- C18 : Mathematical and Quantitative Methods→Econometric and Statistical Methods and Methodology: General→Methodological Issues: General
C63 : Mathematical and Quantitative Methods→Mathematical Methods, Programming Models, Mathematical and Simulation Modeling→Computational Techniques, Simulation Modeling
C81 : Mathematical and Quantitative Methods→Data Collection and Data Estimation Methodology, Computer Programs→Methodology for Collecting, Estimating, and Organizing Microeconomic Data, Data Access
E58 : Macroeconomics and Monetary Economics→Monetary Policy, Central Banking, and the Supply of Money and Credit→Central Banks and Their Policies
G28 : Financial Economics→Financial Institutions and Services→Government Policy and Regulation


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When it comes to the perennial fight to raise the federal debt ceiling, it's usually best to assume that the struggle to give the Treasury Department clearance to actually pay the debts that the federal government has already incurred will play out in the worst way possible short of actual default. However, with a September deadline approaching, there continue to be promising signs that the issue may not devolve into the partisan battle that has typically raged around it in years past.
In recent weeks, one of the key players in the debt ceiling debate, House Freedom Caucus Chairman Mark Meadows, has made it plain that he and his fellow budget hawks are not interested in replaying former debt ceiling dramas that have led to downgrades on the federal debt and a very nervous stock market.
Related: 3 Reasons the GOP Tax Reform Effort Could End in Tears
In an interview with The Fiscal Times last month, Meadows even indicated a preference for getting the debt ceiling issue behind us while it was still July. That hope has obviously faded by now, but in remarks on Wednesday he laid out an even stronger position in favor of raising the debt limit without any complicating factors other than steps aimed at reducing the budget deficit.
That would appear to exclude things like payment prioritization schemes -- something he has championed in the past -- and other gimmicks that would allow lawmakers to claim that the Treasury has continued to pay its debts, even as economists refer to it as "default by another name."
To be sure, Meadows's desire to see budget-cutting measures in a debt ceiling bill could complicate passage, depending on what the members of his caucus decide they are willing to tolerate. But on Wednesday, the Freedom Caucus chairman went out of his way to assure the financial markets that the plan is not to initiate another knock-down, drag-out fight like those of years past.
"I don't believe we should play around with the full faith and credit of our country -- I'm bullish on getting it done," he said. Addressing the bond markets specifically, he said, "I don't see us going beyond September, so if they're trading and factoring that in, I think they're making assumptions based not on the political reality of what's going to get done."
Related: US Employees Are Skipping Out on Billions in Payroll Taxes
The news should cheer other budget hawks who, while they view the rising federal debt with dismay, are even more horrified at the prospect of a federal default.
In a statement released Tuesday, Maya MacGuineas, president of the Committee for a Responsible Federal Budget, said, "We need to increase the statutory debt limit as soon as possible. We should have done so already to avoid creating undue and potentially costly uncertainty, and we most certainly should not wait until the last moment to make this necessary increase. No Member of Congress should even consider holding this must-pass legislation hostage."


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The beginning of Haviland Parlon dates back to the early 1800s. After many years perfecting the art of manufacturing fine china, the company has been recognized as one of the most prestigious French luxury goods producers. The Matignon collection is as elegant as it is rich. Inspired by the lush Matignon gardens in Paris, each plate features an intricate pattern of foliage outlined in gold. Handcrafted in France, this impeccable collection comes in rust and green colors, each with a selection of matching serving pieces.
Expected to ship in 6-8 weeks
Product Details
- Dimensions: D 9 in (22.9 cm)
Composition: Porcelain
- Care: Hand wash preferred, dishwasher delicate cycle
- Origin: Made in France


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With Practical SharePoint 2010 Branding and Customization, SharePoint branding expert Erik Swenson cuts through the fluff and discusses accessible, easy-to-understand consulting and processes to create aesthetically pleasing, highly usable branded and customized SharePoint websites, both internally and externally. Designed to be a quick reference, how-to guide that lets you dive straight into the task at hand, you'll find this book's attention to detail and pragmatism make it an attractive companion during your branding experience.
SharePoint 2010 deployments are more common than ever, as is the desire to make the environment branded and attractive to both internal and external clients. However, since SharePoint is more than just a collection of web pages, customizing the look and feel and completing the process of branding the platform itself is complex and requires a knowledge of web development, web design techniques, and a familiarity with SharePoint administration—a curious niche, to be sure. And sometimes, you just need to make quick fixes, while at other times, building an entirely customized and branded environment is a multi-step process with lots of stakeholder buy-in and development time required.
Whether you're interested in applying just a touch of style to a team site, or you're branding a public-facing Fortune 500 website based on SharePoint, Practical SharePoint 2010 Branding and Customization is the only book you'll need to quickly, easily, and efficiently brand and customize your environment.
Bonus: Includes the SharePoint 2010 Branding Starter Kit! This kit has everything you need to jumpstart successful and compelling designs. The kit includes a layered Adobe Photoshop file of a SharePoint 2010 site, two pre-built visual design examples, and a Visual Studio solution you can use to deploy either of the designs included. This starter kit is specifically prepared to save you substantial time kicking off your SharePoint branding project and to minimize potential roadblocks. These branding tools would cost you as much as $500 if purchased separately, but they're included with the purchase of this book at no additional charge! Get started today.
What you'll learn
- Plan for branding projects, including creating wireframes and creative mockups as well as gathering requirements and estimation
- Use cascading style sheets (CSS), master pages, page layouts, web parts and XSLT to customize branding
- Deploy SharePoint branding to production servers using solution packages (WSP)
Who this book is for
This book is for anyone who works within SharePoint sites and wants to make changes to how those sites look, whether they're minor changes or wholesale branding and customization efforts.
Table of Contents
- Introduction to SharePoint 2010 Branding
- Overview of UX/Branding Process
- Gathering Branding Requirements
- Creating the Visual Design
- Setting Up Your Development Environment
- Building the Design
- Testing the Visual Build
- Tips and Tricks
- Tools and Resources
Appendix CSS Reference Guide


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Podcasts are definitely all the rage right now – and there are lots of good ones out there. I was introduced to Susie Davis through her podcast by the same title of her latest book, Dear Daughters.
First off, this book is beautiful. From the cover, the texture, the colors, the botanical line drawing, the inside cover with the cursive lettering, the floral drawings inside, and the notes area at the end of each chapter. Its just pretty.
This book is a bite-size petit-four of goodness that will leave you wanting more . If you are just digging into a role of discipleship or mentoring women younger than you, or if you have daughters of your own, this book will be a good one. And then you will want to act on everything you've just read and read everything else you can on what it means to live life with others in a discipleship relationship.
Believe me, its a joy. I've been doing this since I was 19. And its harder now as a mom of young boys, but you just have to be intentional. And being intentional in a social media world is hard. But, it is so necessary.
You can enter here for a chance to win a copy of this book! Its a delightful and encouraging read.
What a perfect little book to include in your Mother's Day package!
Thanks to Read with Audra for a copy of this book. All thoughts are my own!


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Ring Set with 7 Genuine Amethyst Gemstones
Ring Set with 7 Genuine Amethyst Gemstones
Classic design in 925 Sterling Silver ring with rhodium finish set with 7 genuine Amethyst gemstones.
Each ring comes with polishing cloth and jewelry box.
Ring Size Chart
US Size |
Circumference ( ring inside) |
7 |
54.5mm |
No matter where you are, we wish to provide you with the best of our products and services, therefore we are offering Worldwide Free Shipping* for all orders.
Once you place an order & paid successfully, we will make every effort to ship to you as soon as possible. After the rigorous order processing, through our international supply system, we shall ship the order from our warehouse or from the manufacturer, depends on the best logistics arrangement.
Delivery time = Processing time + Shipping time
Processing time: usually need 2-3 business days
Shipping time: 7-20 business days for most countries,
vary for different countries
An order will have a track no. for shipment whenever available. In some cases, your order items may be sent by separate packages instead of altogether due to the logistics and customs arrangement.
Any import tax or fees or charges levied by the destination country are for the buyer's responsibility.
* Exceptions apply. Due to some specific customs procedures, the delivery to some countries is not available at this time. These countries include Algeria, Tunisia, Albania, Kosovo, Nigeria and some others. We are sorry for this inconvenience.


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Cryptocurrency – meaning and definition
Cryptocurrency, sometimes called crypto-currency or crypto, is any form of currency that exists digitally or virtually and uses cryptography to secure transactions. Cryptocurrencies don't have a central issuing or regulating authority, instead using a decentralized system to record transactions and issue new units.
What is cryptocurrency?
Cryptocurrency is a digital payment system that doesn't rely on banks to verify transactions. It's a peer-to-peer system that can enable anyone anywhere to send and receive payments. Instead of being physical money carried around and exchanged in the real world, cryptocurrency payments exist purely as digital entries to an online database describing specific transactions. When you transfer cryptocurrency funds, the transactions are recorded in a public ledger. Cryptocurrency is stored in digital wallets.
Cryptocurrency received its name because it uses encryption to verify transactions. This means advanced coding is involved in storing and transmitting cryptocurrency data between wallets and to public ledgers. The aim of encryption is to provide security and safety.
The first cryptocurrency was Bitcoin, which was founded in 2009 and remains the best known today. Much of the interest in cryptocurrencies is to trade for profit, with speculators at times driving prices skyward.
How does cryptocurrency work?
Cryptocurrencies run on a distributed public ledger called blockchain, a record of all transactions updated and held by currency holders.
Units of cryptocurrency are created through a process called mining, which involves using computer power to solve complicated mathematical problems that generate coins. Users can also buy the currencies from brokers, then store and spend them using cryptographic wallets.
If you own cryptocurrency, you don't own anything tangible. What you own is a key that allows you to move a record or a unit of measure from one person to another without a trusted third party.
Although Bitcoin has been around since 2009, cryptocurrencies and applications of blockchain technology are still emerging in financial terms, and more uses are expected in the future. Transactions including bonds, stocks, and other financial assets could eventually be traded using the technology.
Cryptocurrency examples
There are thousands of cryptocurrencies. Some of the best known include:
Founded in 2009, Bitcoin was the first cryptocurrency and is still the most commonly traded. The currency was developed by Satoshi Nakamoto – widely believed to be a pseudonym for an individual or group of people whose precise identity remains unknown.
Developed in 2015, Ethereum is a blockchain platform with its own cryptocurrency, called Ether (ETH) or Ethereum. It is the most popular cryptocurrency after Bitcoin.
This currency is most similar to bitcoin but has moved more quickly to develop new innovations, including faster payments and processes to allow more transactions.
Ripple is a distributed ledger system that was founded in 2012. Ripple can be used to track different kinds of transactions, not just cryptocurrency. The company behind it has worked with various banks and financial institutions.
Non-Bitcoin cryptocurrencies are collectively known as "altcoins" to distinguish them from the original.
How to buy cryptocurrency
You may be wondering how to buy cryptocurrency safely. There are typically three steps involved. These are:
Step 1: Choosing a platform
The first step is deciding which platform to use. Generally, you can choose between a traditional broker or dedicated cryptocurrency exchange:
- Traditional brokers. These are online brokers who offer ways to buy and sell cryptocurrency, as well as other financial assets like stocks, bonds, and ETFs. These platforms tend to offer lower trading costs but fewer crypto features.
- Cryptocurrency exchanges. There are many cryptocurrency exchanges to choose from, each offering different cryptocurrencies, wallet storage, interest-bearing account options, and more. Many exchanges charge asset-based fees.
When comparing different platforms, consider which cryptocurrencies are on offer, what fees they charge, their security features, storage and withdrawal options, and any educational resources.
Step 2: Funding your account
Once you have chosen your platform, the next step is to fund your account so you can begin trading. Most crypto exchanges allow users to purchase crypto using fiat (i.e., government-issued) currencies such as the US Dollar, the British Pound, or the Euro using their debit or credit cards – although this varies by platform.
Crypto purchases with credit cards are considered risky, and some exchanges don't support them. Some credit card companies don't allow crypto transactions either. This is because cryptocurrencies are highly volatile, and it is not advisable to risk going into debt — or potentially paying high credit card transaction fees — for certain assets.
Some platforms will also accept ACH transfers and wire transfers. The accepted payment methods and time taken for deposits or withdrawals differ per platform. Equally, the time taken for deposits to clear varies by payment method.
An important factor to consider is fees. These include potential deposit and withdrawal transaction fees plus trading fees. Fees will vary by payment method and platform, which is something to research at the outset.
Step 3: Placing an order
You can place an order via your broker's or exchange's web or mobile platform. If you are planning to buy cryptocurrencies, you can do so by selecting "buy," choosing the order type, entering the amount of cryptocurrencies you want to purchase, and confirming the order. The same process applies to "sell" orders.
There are also other ways to invest in crypto. These include payment services like PayPal, Cash App, and Venmo, which allow users to buy, sell, or hold cryptocurrencies. In addition, there are the following investment vehicles:
- Bitcoin trusts: You can buy shares of Bitcoin trusts with a regular brokerage account. These vehicles give retail investors exposure to crypto through the stock market.
- Bitcoin mutual funds: There are Bitcoin ETFs and Bitcoin mutual funds to choose from.
- Blockchain stocks or ETFs: You can also indirectly invest in crypto through blockchain companies that specialize in the technology behind crypto and crypto transactions. Alternatively, you can buy stocks or ETFs of companies that use blockchain technology.
The best option for you will depend on your investment goals and risk appetite.
How to store cryptocurrency
Once you have purchased cryptocurrency, you need to store it safely to protect it from hacks or theft. Usually, cryptocurrency is stored in crypto wallets, which are physical devices or online software used to store the private keys to your cryptocurrencies securely. Some exchanges provide wallet services, making it easy for you to store directly through the platform. However, not all exchanges or brokers automatically provide wallet services for you.
There are different wallet providers to choose from. The terms "hot wallet" and "cold wallet" are used:
- Hot wallet storage: "hot wallets" refer to crypto storage that uses online software to protect the private keys to your assets.
- Cold wallet storage: Unlike hot wallets, cold wallets (also known as hardware wallets) rely on offline electronic devices to securely store your private keys.
Typically, cold wallets tend to charge fees, while hot wallets don't.
What can you buy with cryptocurrency?
When it was first launched, Bitcoin was intended to be a medium for daily transactions, making it possible to buy everything from a cup of coffee to a computer or even big-ticket items like real estate. That hasn't quite materialized and, while the number of institutions accepting cryptocurrencies is growing, large transactions involving it are rare. Even so, it is possible to buy a wide variety of products from e-commerce websites using crypto. Here are some examples:
Technology and e-commerce sites:
Several companies that sell tech products accept crypto on their websites, such as newegg.com, AT&T, and Microsoft. Overstock, an e-commerce platform, was among the first sites to accept Bitcoin. Shopify, Rakuten, and Home Depot also accept it.
Luxury goods:
Some luxury retailers accept crypto as a form of payment. For example, online luxury retailer Bitdials offers Rolex, Patek Philippe, and other high-end watches in return for Bitcoin.
Some car dealers – from mass-market brands to high-end luxury dealers – already accept cryptocurrency as payment.
In April 2021, Swiss insurer AXA announced that it had begun accepting Bitcoin as a mode of payment for all its lines of insurance except life insurance (due to regulatory issues). Premier Shield Insurance, which sells home and auto insurance policies in the US, also accepts Bitcoin for premium payments.
If you want to spend cryptocurrency at a retailer that doesn't accept it directly, you can use a cryptocurrency debit card, such as BitPay in the US.
Cryptocurrency fraud and cryptocurrency scams
Unfortunately, cryptocurrency crime is on the rise. Cryptocurrency scams include:
Fake websites: Bogus sites which feature fake testimonials and crypto jargon promising massive, guaranteed returns, provided you keep investing.
Virtual Ponzi schemes: Cryptocurrency criminals promote non-existent opportunities to invest in digital currencies and create the illusion of huge returns by paying off old investors with new investors' money. One scam operation, BitClub Network, raised more than $700 million before its perpetrators were indicted in December 2019.
"Celebrity" endorsements: Scammers pose online as billionaires or well-known names who promise to multiply your investment in a virtual currency but instead steal what you send. They may also use messaging apps or chat rooms to start rumours that a famous businessperson is backing a specific cryptocurrency. Once they have encouraged investors to buy and driven up the price, the scammers sell their stake, and the currency reduces in value.
Romance scams: The FBI warns of a trend in online dating scams, where tricksters persuade people they meet on dating apps or social media to invest or trade in virtual currencies. The FBI's Internet Crime Complaint Centre fielded more than 1,800 reports of crypto-focused romance scams in the first seven months of 2021, with losses reaching $133 million.
Otherwise, fraudsters may pose as legitimate virtual currency traders or set up bogus exchanges to trick people into giving them money. Another crypto scam involves fraudulent sales pitches for individual retirement accounts in cryptocurrencies. Then there is straightforward cryptocurrency hacking, where criminals break into the digital wallets where people store their virtual currency to steal it.
Is cryptocurrency safe?
Cryptocurrencies are usually built using blockchain technology. Blockchain describes the way transactions are recorded into "blocks" and time stamped. It's a fairly complex, technical process, but the result is a digital ledger of cryptocurrency transactions that's hard for hackers to tamper with.
In addition, transactions require a two-factor authentication process. For instance, you might be asked to enter a username and password to start a transaction. Then, you might have to enter an authentication code sent via text to your personal cell phone.
While securities are in place, that does not mean cryptocurrencies are un-hackable. Several high-dollar hacks have cost cryptocurrency start-ups heavily. Hackers hit Coincheck to the tune of $534 million and BitGrail for $195 million, making them two of the biggest cryptocurrency hacks of 2018.
Unlike government-backed money, the value of virtual currencies is driven entirely by supply and demand. This can create wild swings that produce significant gains for investors or big losses. And cryptocurrency investments are subject to far less regulatory protection than traditional financial products like stocks, bonds, and mutual funds.
Four tips to invest in cryptocurrency safely
According to Consumer Reports, all investments carry risk, but some experts consider cryptocurrency to be one of the riskier investment choices out there. If you are planning to invest in cryptocurrencies, these tips can help you make educated choices.
Research exchanges:
Before you invest, learn about cryptocurrency exchanges. It's estimated that there are over 500 exchanges to choose from. Do your research, read reviews, and talk with more experienced investors before moving forward.
Know how to store your digital currency:
If you buy cryptocurrency, you have to store it. You can keep it on an exchange or in a digital wallet. While there are different kinds of wallets, each has its benefits, technical requirements, and security. As with exchanges, you should investigate your storage choices before investing.
Diversify your investments:
Diversification is key to any good investment strategy, and this holds true when you are investing in cryptocurrency. Don't put all your money in Bitcoin, for example, just because that's the name you know. There are thousands of options, and it's better to spread your investment across several currencies.
Prepare for volatility:
The cryptocurrency market is highly volatile, so be prepared for ups and downs. You will see dramatic swings in prices. If your investment portfolio or mental wellbeing can't handle that, cryptocurrency might not be a wise choice for you.
Cryptocurrency is all the rage right now, but remember, it is still in its relative infancy and is considered highly speculative. Investing in something new comes with challenges, so be prepared. If you plan to participate, do your research, and invest conservatively to start.
One of the best ways you can stay safe online is by using a comprehensive antivirus. Kaspersky Internet Security defends you from malware infections, spyware, data theft and protects your online payments using bank-grade encryption.
Related articles:


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His vision, from the constantly passing bars,
has grown so weary that it cannot hold
anything else. It seems to him there are
a thousand bars and behind the bars, no world.
As he paces in cramped circles, over and over,
the movement of his powerful soft strides
is like a ritual dance around a center
in which a mighty will stands paralyzed.
Only at times, the curtain of the pupils
lifts, quietly—. An image enters in,
rushes down through the tensed, arrested muscles,
plunges into the heart and is gone.


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This week on Curmudgeon's Corner Sam and Ivan talk about the assassination in Turkey, the truck attack in Berlin, and of course another week of the Trump transition. We also cover artificial Christmas trees, upside down Christmas trees, the right way to wrap presents, the final electoral college vote, federalism, Ivanka flying coach, and more!
Click below to listen or subscribe… then let us know your own thoughts!
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Show Details:
Recorded 2016-12-23
Length this week – 1:48:43
- (0:00:33-0:18:37) But First
- Agenda
- Sam gets a fake tree
- Upside down trees
- Pre-lit trees
- Sam wrapping
- (0:19:58-0:46:47) Turkey and Berlin
- Assassination in Turkey
- Possibilities for escalation?
- Russia/Turkey closer together?
- Syria connection
- Price of intervention
- Berlin attack
- Connections to immigration?
- Leaving wallets?
- Granting citizenship
- How do you defend? Should you?
- (0:48:47-1:19:38) This Week in Trump
- Random download
- Things Obama did
- Trump lies
- Everyday Twitter
- Pardons for illegal orders?
- Eventual impeachment?
- Disarray and Chaos
- Reality vs Perception
- Private Security
- Fundraising kids
- (1:20:19-1:48:23) Lightning Round
- Timer Master
- Final Electoral College Vote
- Direction for the Democrats
- Federalism
- Ivanka flying coach
- Uber self-driving car issues
- Wrap Up
The Curmudgeon's Corner theme music is generously provided by Ray Lynch.
Our intro is "The Oh of Pleasure" (Amazon MP3 link)
Our outro is "Celestial Soda Pop" (Amazon MP3 link)
Both are from the album "Deep Breakfast" (iTunes link)
Please buy his music and support his GoFundMe.


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Even after the introduction of the internet to the general market people could not play the games online. But with the presence of the new technology and the provision of the good internet speed now people can play different games online as well. In the past people only go to the casinos to play the slots but now they can play slots online on five reel slots by just sitting in their home even they can participate in different tournaments. Now there are different kinds of the slots machines some are made for the beginners and some are made for the intermediate and masters. Now it is up to your skills that at which category you fall and then situs slot gacor you can select the game. If you know better enough about the slot games then you can play slots online on five reel slots. You can easily judge by the name that there are five rotating reels which can show the five numbers or you can also say the symbols which may match each other. If you get the five symbols or numbers which may match to each other then you can think that how interesting the game can be. Play slots online on five reel slots machine is really a great experience which you cannot get from the classic three reel slots. You can have the many better possibilities to win the jackpot and also different other bonuses.
Compare five reel slots machines and online slot machines
If you compare the original five reel slots machines to the machines which you get while playing slots online then you will find that these are not similar to those because it does not have the metal box with the handle because there are some kinds of the graphics are used online which can give you the impression of the slot machine. But if we talk about the game that is there any difference in the rules of the games and other things regarding to that then there is no difference between them. You will find the same rules and you have to follow the same steps to play slots online as you follow in the land based machines.
Five reel slots
When you play slots online on five reel slots online then you find that there are five reels which are rotating and show you the numbers after every spin. It is just a visual effect that you consider those reel rotating. But actually there is software which has the next set of the numbers and then when you click the button of the spin you get that number on your screen.
When you play slots online on then you have to find the website which have different kinds of the casinos and where you can on five reel slots. There are different themes are available in this game and it is up to you that which theme will be good for you and in which you will feel comfortable to play. Also, you can play in one casinos for years if you have the updates of the games regularly then you do not need to move from one casino to another and you can play there even as long as you want.


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3 Easy Steps to Creating Your First Product
For coaches in nearly any field, product creation is the best way to:
• Reach a wider audience
• Grow your brand
• Earn more profits
So why aren't more coaches adopting the product creation strategy? Like you, they're stuck in the process, unsure of the steps to take to create a great product.
As a coach, you have great insight into the wants and needs of your ideal client. You chat with her on Facebook, answer her email questions, respond to the comments she leaves on your blog, and even work with her one-on-one.
What is it she needs the most help with right now? This is the product you should be creating, because you already know you have a built-in audience.
If you've been coaching for more than a few weeks, chances are you already have all of the answers required—all you have to do it organize it. Some places to look for content you can repurpose include:
• Your blog
• Your emails (and autoresponder)
• Your client calls
• Your social media accounts
• Your YouTube channel
• Your personal checklists and worksheets
All of these things (and many more) can be edited and organized into a comprehensive product that solves a serious issue and you can do it in less time than you might think. After all, you already have the bulk of the work done!
Now that you have your content, it's time to put it together in a way that will make sense to your audience. Will you…
• Write a Kindle book? This is a great option for solving a very focused, single problem. Even better, Kindle books offer a fabulous opportunity to reach a wider audience.
• Create a membership site? For a comprehensive, step-by-step course, you can't beat the flexibility of a membership site.
• Offer a group coaching program? Add personal time with you to your membership site and you've got an instant group coaching program. Not only that but you've dramatically upped the value (and cost) as well.
Your choice will depend largely on the scope of the solution. Is it a simple answer that can be explained in a few pages or is it a complex issue that requires several weeks of work?
Creating a product doesn't have to be difficult or time-consuming. Sure, you can design a massive, all-inclusive course if you like, but when you're just getting started, that's a daunting prospect. Instead, work with what you already have and you'll have your first product up and selling in no time.


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Large Size: 31.5 x 21.7 x 48 Inches
- Large Size: 31.5 x 21.7 x 48 Inches
- Casters Fixture Design
Durable Metal Structure
- Durable Metal Structure
- 66lbs Base Load Capacity
- 11lbs Hammock Load Capacity
Removable Tray
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Arrives at USA / Europe / Canada / UK about 10-15 Working Days(After shipment)
* We will update the delivery time in real-time according to the feedback of the logistics company.
Q: What is the shipping date?
The product will be shipped out within two working days. (The tracking number will be updated several days later.)
Q: May I modify my order after placing it?
Yes! Please get in touch with us within an hour after the purchase, but after the order is sent to the factory, we cannot guarantee that the modification will be successful.
Q: Can I modify my address after the order has been shipped?
Please get in touch with us at [email protected], and we will be there for you and do our best. But no guarantees. The courier no longer allows the change when it is too late. We will notify you in advance if an additional cost is required to change the address. The customer will be responsible for any additional fee incurred.
Q: Can I get a tracking number?
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Q: How can I get support when the product has a problem?
Would you please not hesitate to get in touch with us by email: [email protected]. And attach pictures or videos of product problems in the email. We will reply as soon as possible.


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Product 17/46
Only one available at this price.
Benchmarking Best Practices for Maintenance, Reliability and Asset Management, Third Edition.
Updated for ISO 55000
Terry Wireman 300 Pages, Hardcover Published: August, 2014
Updated to account for ISO 55000, Benchmarking Best Practices for Maintenance, Reliability and Asset Management, Third Edition, now includes an overview of this seminal and long-awaited standard and identifies the specific points where ISO 55000 will impact maintenance and reliability. New graphics to enhance the text's main points have been added throughout.
As with past editions, the third edition provides a logical, step-by-step methodology that will enable any company to properly benchmark its maintenance function. It presents an overview of the benchmarking process, a detailed form for surveying and "grading" maintenance management, and a database of the results of more than 100 companies that have used this survey. Widely used, Benchmarking Best Practices for Maintenance, Reliability and Asset Management, Third Edition, has proven to be an invaluable planning guide and on-the-job reference for maintenance managers, plant engineers, operations managers, and plant managers.
About the Author:
Terry Wireman is a widely-known and respected Consultative Educator, specializing in the improvement of maintenance and asset management for clients. Using techniques and tools such as CMMS and Total Productive Maintenance, his focus is on helping clients develop "World Class" maintenance and asset management policies and practices. As an international expert, he has assisted literally hundreds of clients in North America, Europe, and the Pacific Rim improve their maintenance and asset management effectiveness. He has authored over 20 textbooks and was a member of the U.S. TAG, providing input into the ISO-55000 document. Terry is currently the Senior Vice President – Strategy of Vesta Partners, LLC, where his responsibilities include developing return on investment case studies and site cost-benefit analyses.
This product was added to our catalog on Saturday 25 September, 2021.


text: 4 0 By Steffani Cameron In ThailandPosted October 14, 2017Thailand: Dark and LightThailand. Four days in. Some counties are a rite of passage for travellers. Thailand. India. Peru. Morocco. On it goes. Lands where culture shock kicks in. On my way to this café, I passed a [...] READ MORE


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Adopting and developing a QMS is a strategic decision that enables organizations to continuously improve their overall performance and focus on providing customers with products and services of consistent quality.
What is an ISO 9001:2015 quality management system?
Supporting an organization's aims and objectives, an ISO 9001 QMS documents the processes, procedures, and responsibilities for achieving quality policies and objectives. Based on seven quality management principles, the ISO 9001:2015 standard defines the way an organization operates to meet the requirements of its customers and stakeholders:
- Customer focus
- Leadership
- Engagement of people
- Process approach
- Improvement
- Evidence-based decision making
- Relationship management
What are the benefits of ISO 9001:2015 certification?
ISO 9001 certification helps organizations to develop and improve performance, as well as demonstrate high levels of service quality when bidding for contracts. Certification follows successful completion of an audit against the ISO 9001 standard and enables organizations to:
- Operate more efficiently
- Meet statutory and regulatory requirements
- Reach new markets
- Identify and address risks
Why choose SGS to conduct an ISO 9001 certification audit?
We are known as the global leader in certification, working with clients in virtually any sector. An ISO 9001:2015 audit from SGS will help your organization to develop and improve performance.
In addition, to ISO 9001 audits we also offer a range complementary services:
- ISO 9001 training courses
- ISO 9001 Gap Assessment – to assess readiness for certification
- Integrated Management Systems Certification – audit solutions against bespoke quality performance criteria
With a global presence, SGS has a history of successfully executing large-scale, complex international projects. Our people speak the language, understand the culture of the local market and operate globally in a consistent, reliable and effective manner.
Carrera 100 No. 25C - 11,
Bogota, Colombia