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General Campus Chemical Hygiene Plan
OFFICE OF RECORD: Business Office
ISSUED BY: Risk Management Committee
1. Introduction
Safety is the responsibility of everybody. This statement is the cornerstone of any successful safety plan, because it is only by working together and watching out for one another's safety that we can hope to achieve the goal of any good safety plan: zero injuries. The second most critical component of minimizing risk of injury is through the adoption of a safety plan of action, continually improved by peer review, so that we all know our responsibilities and actions to take to prevent accidental injury, and how to respond if it should occur despite our best efforts. We, the administration, faculty, and staff of Dakota State University (DSU), have adopted this plan in an effort to ensure uniform and appropriate behaviors and attitudes, specifically regarding chemical safety.
This Chemical Hygiene Plan (CHP) is founded upon several simple but fundamental principles:
- That the safety of all administration, faculty, staff, and students of DSU is the priority taking precedence when necessary even over education;
- That chemical safety begins with a well thought out plan (the CHP), which everybody involved in is not only aware of, but also follows and into which they all have input;
- That said plan incorporates safety features of the physical campus and safety procedures for handling chemicals;
- That said plan covers emergency procedures, and;
- That said plan includes the manner in which all chemicals present are to be handled from the time of acquisition to the time of disposal (the "cradle to grave" concept).
This chemical hygiene plan has been adopted by Dakota State University in a good-faith effort to maintain acceptable standards of safety for the entire campus. This plan may only be superseded by an appropriate chemical hygiene plan for a particular building or college if the chemical hygiene plan of that building or college addresses specific problems unique to that building or college, and maintains a level of safety not less than that presented here. Examples of areas that should have a unique chemical hygiene plan include but are not limited to the College of Natural Sciences to address chemistry, biology and physics labs, the College of Liberal Arts to address special chemicals used in art classes, Health Services to address special storage and handling procedures for any equipment such as needles or drugs that may be kept on hand, and the Trojan Center to address the special problems of handling large quantities of waste food. It is up to those working in the individual buildings or colleges to ascertain whether this plan covers their particular situation, and develop and adopt a chemical hygiene plan unique to their situation if they feel it is warranted.
2. Key Safety Personnel
Although safety is indeed the responsibility of all involved, there are nonetheless a few key players with additional responsibility. Following is a list of these positions and their definitions. The list of individuals responsible for each of these given roles is presented in Appendix C of this document along with the means of contacting them.
Campus Safety Officer: (CSO) The person responsible for ensuring that the DSU CHP is carried out for the entire campus. Appoints/approves Building Safety Officers (BSO) and assumes the role of the BSO for those portions of the campus that do not have a BSO.
Building Safety Officers: (BSO) The person ultimately responsible for the safety of all persons in their college, including administration, faculty, staff, and visitors. Typically, this will be the college dean or department supervisor. Appoints the Building Chemical Hygiene Officer (BCHO), and is responsible to see to the development and faithful implementation of the CHP. Responsible for periodic inspection of their building to ensure all appropriate safety equipment is in good working condition.
Building Chemical Hygiene Officer: (BCHO) Reports to the BSO. Responsible for development, implementation, review and update of the CHP, and regular employee safety training. The BCHO must be qualified for this position through either training or experience in an appropriate setting.
Building Procurement Officer: (BPO) Responsible for maintaining a complete chemical inventory, updated no less than once annually, maintaining an appropriate collection of Material Safety Data Sheets (MSDS's) for the building, and ensuring that duplicate reagent purchases are avoided. Additionally, the BPO oversees the regular removal of waste chemicals to be done at least annually.
Chemistry Consultant: (CC) Responsible to answer questions regarding chemical safety and handling. On request, works in an advisory capacity with CSO, BSO's, BCHO's and BPO's. Typically the CC is the DSU chemistry faculty member.
3. Risk Minimization
Risk minimization involves special procedures designed to protect all members of the DSU community from the risks and hazards arising from mishandling of chemicals. Involved are general procedures for handling chemicals, safety equipment, and training of employees. Like anything else, these guidelines may only be superseded by guidelines that are more appropriate for specific situations that are handed down from an appropriate expert, provided the standards of these guidelines are not compromised. In most situations, however, these guidelines should be generally applicable to any setting.
It is the policy of DSU that all complaints involving chemical or physical hazards or injuries are immediately investigated and addressed. This includes but is not limited to
complaints of ailment that may be related to chemicals, safety issues, spillages, and oversights in safety policy or equipment. A complete record of all such concerns and responses to these concerns is kept on file by the BSO.
3.1 Procedures Involving Specialized Chemicals
Almost all chemicals are hazardous to health, reactive, and in the wrong hands can cause serious damage to health or property either through accidental misuse or by design. For this reason, special precautions must be put into place to protect personnel from the hazardous effects of chemicals as well as to ensure that said chemicals do not fall into the wrong hands. The following guidelines are based on two basic assumptions: that all chemicals are to be treated as hazardous materials, and that minimization of chemicals leads to minimization of the hazards associated with these materials. The specialized chemicals, which this CHP refers to, include but are not limited to cleaning chemicals, chemicals used for repair and/or maintenance, and chemicals used for other specialized purposes.
3.1.1 Procurement
Accumulation of large quantities of any given chemical or a large number of unused chemicals for an extended period of time can lead to degradation products of these chemicals with unpredictable consequences. For this reason, the simple rule of thumb that "less is more" will be strictly adhered to, and all efforts will be made to prevent the accumulation of unused, duplicate, or unwanted reagents. The following guidelines should be followed at all times:
- The BPO will maintain at all times a current chemical inventory, which is to include all chemicals in storage in all rooms within their assigned building, updated no less frequently than once a year. This inventory is to minimally include the chemical name, quantity, storage location(s), and unusual hazards (for example, shock sensitive explosives that any individual should be aware of even before having the opportunity to read the label).
- The BPO will ensure that a complete collection of MSDS sheets is up to date with all chemicals in the inventory represented in the collection. This collection is to be kept in a location where all personnel who work in the BPO's assigned building can have access at all times.
- Before any new chemicals are ordered, the BPO must be given the opportunity to see if the chemicals desired are present within the building already in appropriate amounts to cover the current needs. If so, no new reagents will be ordered.
- If new chemicals must be purchased, the quantity of the chemical purchased will be only enough to cover the current needs. Ordering large quantities based on price minimization is strongly discouraged.
- The BPO must be informed of the purchase. On receipt of the chemical, it is the responsibility of the BPO to make the appropriate entry in the chemical inventory and ensure that the MSDS has been procured and placed in the appropriate location.
- It is the responsibility of the purchaser to ensure that the chemical and any excess remaining after its use is appropriately stored on receipt.
The importance of effective communication cannot be stressed enough in the minimization of chemical inventory. A single point of reference, specifically the BPO, is critical to the task, and special care must be taken by all personnel to go through this individual before putting forward any new purchase requests.
3.1.2 Chemical Storage
Three primary concerns must be addressed with chemical storage: appropriate separation of incompatible materials; protection of safety of DSU personnel; and preventing the chemicals from falling into the wrong hands. Toward these ends, the following guidelines will be used in the storage of reagents:
- There will be one primary storage area for the entire university, which will contain all chemicals for long-term storage. This makes procedures such as inventory, procurement and security easier to handle. Any campus building may also have a chemical storage area, to be used for short-term chemical storage only.
- All storage areas will have appropriate security such that they can be locked to prevent students or inappropriate persons from entering the chemical storage area. These areas are to be kept locked as a matter of routine except during times of heavy usage by appropriate personnel.
- Ventilation of these storage areas will be appropriate for the task of the area. Accumulation of possibly toxic fumes can only be avoided by appropriate ventilation.
- Chemicals will be appropriately segregated to keep incompatible materials from coming into contact with one another.
- Chemical waste may not be stored for longer than one year.
- Students will not be permitted into chemical storage areas.
- Chemicals that have not been used recently or are not anticipated to be used in the near future will be disposed of either as chemical waste or through a chemical exchange program. Exceptions to this rule include chemicals that are used in small quantities but frequently or chemicals that are deemed both safe for extended storage and expensive to replace should the need for the chemical arise. Searches specifically for infrequently used chemicals are to be performed no less frequently than once every five years.
Additional guidelines for materials with specific hazards associated with them may have additional guidelines imposed.
3.1.3 Chemical Usage
Chemical usage refers to the handling of chemicals between the time that they are in storage and when they become classified as chemical waste. Typical usage includes the use of the chemical for which it was designed, or in preparation of a diluted solution or other material for use later, but may also include temporary storage in preparation for an upcoming procedure. The following guidelines are designed to protect personnel during such usage:
- Appropriate attire will be donned whenever chemicals are in use, including special components to attire when appropriate (such as gloves, eye protection, or respiration equipment).
- Dilutions are to be performed slowly, following the appropriate procedure, with careful attention paid to prevent excessive heat formation.
- Excess chemicals in diluted form may be stored subject to the guidelines of chemical storage.
- Chemicals may be stored outside of regular storage areas for up to 24 hours provided they are to be used during that time.
- Chemical labels will under no circumstances be removed or defaced.
Other guidelines specific to the usage and reagents involved will also apply.
3.1.4 Chemical Waste
All chemical waste is to be considered hazardous and disposal will inevitably be expensive. To minimize the hazards and costs associated with chemical waste, special care must be taken to avoid the most common problem associated with chemical waste: lack of knowledge. It is all too common that wastes are generated haphazardly with little regard given to documentation of the exact components of the waste. The following guidelines are designed to avoid hazardous accumulation and lack of knowledge of chemical waste:
- No waste is to be stored for more than one year, with the exception of partially filled waste containers with waste that is deemed safe for extended storage.
- A waste management service will be contracted on an annual basis to remove all hazardous waste. This service may be contracted by individual building to handle specialized waste disposal, or by DSU as a general contract.
- All waste containers are to be appropriately labeled with the date, the name of the individual responsible for managing the waste, a log entry number and the contents of the waste container with special care taken to denote any known heavy metal, flammable, organic, corrosive, explosive, health and/or other particular hazards associated with the waste.
- All BCHO's will maintain a logbook of waste containers accumulated within their assigned areas. The log books are minimally to contain a log entry number for each waste container, the dates in which waste was added to the container, the name of the person(s) adding the waste, the contents of the waste and any known hazards.
- Organic and/or water waste may have its volume reduced by evaporation if no heat is applied whatsoever during the process. All evaporation processes of chemical waste must be performed within a functioning fume hood.
- The BPO is responsible for disposal of waste on an annual basis and hiring a company for its removal. This work may be delegated as necessary.
All chemical waste must be handled with extreme care and special attention must be paid to remain vigilant in its correct identification.
3.2 Minimum Building Requirements
Any area used for chemical storage has special risks associated with it. For this reason, special care must be made to ensure that appropriate equipment and design goes into these areas to ensure that these risks, while impossible to remove, are at the very least minimized. Such items include safety equipment, appropriate space, continual ventilation and security measures to prevent usage by non-approved individuals. The following guidelines must be met in these environments:
- All storage areas will have at least one fire extinguisher located near the exit designed for use on all types of fires.
- All storage areas will have at least one eye wash station located near the exit. Eye wash stations may be permanent or portable.
- All storage areas will have at least one fire blanket located near the exit.
- Rooms in which large quantities of corrosive chemicals are regularly used will have at least one emergency shower.
- Storage areas that house chemicals with known fume hazards will be equipped with appropriate ventilation for the entire room.
- All buildings will have at least one first aid kit, containing no less than bandages, antiseptic ointment, and an instant ice pack.
- Areas with specific and unique hazards other than those typically associated with chemicals will be appropriately equipped to handle the hazards.
- Pathways to safety equipment (fire extinguishers, eye wash stations, etc) must never be blocked by any object, even temporarily.
- All safety equipment will be kept in good working condition.
These regulations are designed to prevent accidents, but accidents can always occur. Only by properly equipping an area for every possible contingency will anybody be able to truly claim that the hazards have been minimized.
3.3 Employee Training
Employee safety training consists of two parts--initial training and refresher training-- and is the responsibility of the BCHO. Initial training is typically assumed for those who enter a position with degrees that would have included such safety instruction. However, all other personnel must be given proper safety training before being allowed to handle or to be exposed to hazardous chemicals.
To avoid the hazards associated with forgetfulness of safety procedures due to lack of practice, all employees who may handle hazardous reagents must receive refresher training at least annually. Training of new employees can be included in this refresher training as their initial safety instruction if the level of training is appropriate. Such training must minimally include handling hazardous materials, procedures for purchasing and disposing of reagents, record keeping procedures, safety equipment and attire, and reading MSDS's and the information contained therein. A written record of the employees receiving such training and the date of the training is to be kept by the BCHO.
Employee training shall incorporate at least the following:
- Information on the rights of personnel as delineated by the Occupational Safety and Health Administration (OSHA).
- The contents of this or the appropriate specialized CHP.
- The concept of permissible exposure limits (PEL) and OSHA regulations of such limits, including but not limited to definition, where to find PEL's, and signs and symptoms of overexposure to hazardous chemicals.
- The location and availability of safety reference material on the hazards, safe handling, storage and disposal of hazardous chemicals found in the building.
- Methods and observations that may be used to detect the presence of hazardous chemicals.
- The physical and health hazards associated with working with hazardous chemicals and means of protection from such hazards.
- The right of all employees to seek medical attention free of charge should symptoms appear of toxic exposure or when exposed to chemicals above the PEL.
4. Emergency Procedures
The best plans of safety cannot prevent injury from occurring due to either accident or unforeseen circumstances. It is assumed that, should an injury occur, there would be an appropriate expert nearby or someone who can be quickly contacted who will know how to handle the incident immediately. We are more concerned here with follow-up procedures to ensure that the situation is not propagated.
4.1 Bodily Injury
There is, naturally, a distinct difference between minor and serious bodily injury. Injuries that are deemed minor can be handled immediately. Such injuries should be noted by the BSO, who can then make a judgment as to whether or not to report the injury to the health services (HS). The primary reason for reporting such incidences is to inform the HS that a given individual may develop symptoms because of the injury sustained. Any person developing symptoms which may be the result of exposure to chemicals or who are known to have been exposed to a chemical at concentrations above the permissible exposure limit (PEL) will be assumed to have received a bodily injury and as such will receive a free examination and treatment if necessary at the HS.
Handling of more severe accidents depends on the extent of the injury. Any of these injuries must be reported to HS. If the individual is well enough to walk on their own, then they can walk to the HS but only with the accompaniment of the BSO or an individual appointed by the BSO. Injured individuals are never to walk to the HS alone. If the individual cannot walk, then 911 is to be called and the HS is to be apprised of the situation.
All injuries resulting in the need for a physical examination and/or medical treatment must be reported to the BSO. The BSO will maintain a record of all persons injured in assigned area, including the nature of the injury, the chemical(s) involved in the incident if applicable, the date, and response to the injury including but not limited to medical procedures incurred.
Should any person need to be examined by a medical professional, the medical professional must be provided with the following information: the identity of the hazardous chemical(s) to which the person was exposed; a description of the conditions under which the exposure occurred including quantitative exposure data if available; and a description of the signs and symptoms of exposure that the person is experiencing, if any. In return, the physician is requested to offer the following: a written opinion based on the examination which includes any recommendations for medical follow-up; the results of the examination including any tests that were performed; any medical condition which may be revealed in the course of the examination which may place the person at increased risk as a result of exposure to hazardous chemicals; and a statement that the individual has been informed of the results. This written opinion is to be kept on file by the BSO.
4.2 Physical Damage
It is assumed here that the incident resulting in the damage--through fire, explosion or spillage--has been contained and eliminated. Should major physical damage occur to a portion of a building or equipment therein, the first priority would always be to treat anybody who has been injured. Assuming the injured have been attended to, the BSO is to make a decision as to whether or not the building or room is in suitable condition for use. If it is not, classes will be moved or cancelled and other functions that would have occurred in the area will be assigned to other areas until repairs can be made. If the incident occurred during a class, the class will be cancelled if the room is deemed unsafe because of the incident or if the students are deemed overly distressed to be able to continue by an appropriate individual of authority. Before the area can be used again, the damage must be repaired at least to a state where there is no physical danger in using the area and the appropriate safety standards are met.
4.3 Uncontrollable Situations
Here we assume that the incident that has occurred cannot be eliminated and is still occurring, such as fires or chemical spillage producing toxic fumes. In such a situation, both the area and the building is to be evacuated immediately and the correct emergency agency, fire department or HAZMAT team, is to be notified. Any injured people are to be carried to safety and treated immediately for their injuries. To avoid further injury to individuals, the person in charge who was present when the situation arose must remain available to explain the situation to the appropriate emergency response professionals.
5. Special Safety Procedures
Special safety procedures include the handling of radioactive or infectious materials. Currently, DSU does not work with or store such materials, so procedures for handling these types of material are not necessary now. Should we begin utilizing this type of material, appropriate modifications will be made to this CHP.
6. Conclusion
This document began with the statement that safety is the responsibility of everybody. Throughout the document, we have delineated the responsibilities of many people, and hopefully gave the impression that there is enough responsibility to share. Only through vigilant effort can we ensure that our campus is as safe as possible. We are all in this together; we all have to do our part to see that we stay well.
Appendix A: Types of Hazards and Hazardous Materials2
Aerosol, Flammable: An aerosol that yields a flame protection exceeding 18 inches at full valve opening or a flashback at any degree of valve opening.
Carcinogen: Regulated by OSHA as a carcinogen, listed under the category "known to be carcinogens" in the Annual Report on Carcinogens by the National Toxicology Program (NTP), listed under Group 1 ("carcinogenic to humans") in the latest editions by the International Agency for Research on Cancer Monographs (IARC), or listed in either Group 2A or Group 2B by the IARC or under the category "reasonably anticipated to be carcinogens" by the NTP.
Combustible Liquid: Any liquid having a flashpoint at or above 100 oF (37.8 oC) but below 200 oF (93.3 oC).
Compressed Gas: A gas or mixture of gases having, in a container, pressure exceeding 40 psi at 70 oF (21.1oC) or exceeding 104 psi at 130 oF (54.4 oF).
Explosive: A chemical that causes a sudden, almost instantaneous release of pressure, gas, and heat when subjected to a sudden shock, pressure or high temperature.
Gas, Flammable: a gas that forms a flammable mixture with air at a concentration of 13% by volume or less, or a gas that forms a range of flammable mixtures with air wider than 12% by volume.
Hazardous Chemical: A chemical for which there is statistically significant evidence based on at least one study in accordance with established scientific principles that acute or chronic health effects may occur in exposed persons. The term "health hazard" includes chemicals which are carcinogens, toxic, reproductive toxins, irritants, corrosives, sensitizers, hepatoxins, nephrotoxins, agents which act on the hematopoietic systems, and agents which damage the lungs, skin, eyes, or mucous membranes.
Liquid, Flammable: Any liquid having a flashpoint below 100 oF (37.8 oC).
Organic Peroxide: An organic compound that contains the bivalent -O-O- structure.
Oxidizer: A chemical other than a blasting agent or explosive that initiates or promotes combustion in other materials, thereby causing fire either of itself or through the release of oxygen or other gases.
Physical Hazard: A chemical for which there is scientifically valid evidence that it is a combustible liquid, a compressed gas, explosive, flammable, an organic peroxide, an oxidizer, pyrophoric, unstable (reactive) or water-reactive.
Reproductive Toxins: Chemicals which affect the reproductive capabilities including chromosomal damage (mutagens) and effects on fetuses (teratogensis).
Solid, Flammable: A solid other than a blasting agent or explosive that is liable to cause fire through friction, absorption of moisture, spontaneous chemical change, or retained heat from processing, or which can be ignited readily and when ignited burns so vigorously and persistently as to create a serious hazard.
Unstable (reactive): A chemical which is in the pure state, or as produced or transported, will vigorously polymerize, decompose, condense, or will become self-reactive under conditions of shocks, pressure or temperature.
Water-reactive: A chemical that reacts with water to release a gas that is either flammable or presents a health hazard.
Appendix B: Terms and Definitions
Chemical: Any specialized solution or material for a specific use.
Chemical Hazard: Any known hazard of a reagent that could cause harm to an individual's health, including but not limited to respiratory ailments, burn hazards, or damage to mucous membranes.
Chemical Hygiene Plan: The plan which is approved by the faculty, staff and administration of DSU on appropriate procedures and policies concerned with safety in laboratories.
Corrosive: Any chemical that causes erosion of skin and/or matter such as containers or surfaces.
Experiment: Any procedure in which the outcome is either not known in advance, or in which the outcome is to drive those performing the procedure to a given conclusion through experience.
Explosive: Any chemical known to react violently creating excessive force and/or heat.
Fumes: Toxic and/or corrosive airborne chemicals from reagents that are typically in liquid or solid state in the form of either gases or small particles (mist).
Flammable: Chemicals with a flash point below 200oF (93.3oC).1
Flashback: flame extending back to the source of the flammable material
Flash Point: That temperature at which a liquid or solid will begin to burn when exposed to a source of ignition (spark or flame).
Hazardous: Any reagent or situation that exposes an individual or group to chemical or physical hazards.
HAZMAT Team: Professionals specifically trained to deal with spillage of hazardous materials.
Heavy Metal: A heavy metal (such as lead, Pb or mercury, Hg, for example) with special hazards including lifetime cumulative effects.
Material Safety Data Sheet: Obtained from the reagent's manufacturer, the Material Safety Data Sheet is a listing of all known hazards and appropriate safety responses.
Organic: Any chemical or mixture containing one or more compounds with carbon and hydrogen. Organics tend to have safety hazards associated with health risks and flammability.
Permissible Exposure Limit: A limit of exposure as a function of concentration and time as set by OSHA and reported on a chemical's MSDS.
Physical Hazards: Any hazard associated with a reagent that could cause physical harm, including but not limited to corrosive properties, flammability, or explosion hazards.
Appendix C: Index of Abbreviations
ANSI: American National Standards Institute
BCHO: Building Chemical Hygiene Officer
BSO: Building Safety Officer
CHP: Chemical Hygiene Plan
CSO: Campus Safety Officer
DSU: Dakota State University
HS: Health Services
IARC: International Agency for Research on Cancer
LI: Laboratory Instructor
LP: Laboratory Personnel
MSDS: Material Safety Data Sheet
NTP: National Toxicology Program
OSHA: Occupational Safety and Health Administration
PEL: Permissible Exposure Limit
PO: Procurement Officer
Appendix D: List of Key Personnel
|Office Phone
|VP for Business / Admin. Services
|BSO/Beadle Hall
|Dean, Liberal Arts
|BSO/Comm Ctr
|Community Center Director
|Conference Coordinator
|BSO/East Hall
|Dean, Business & Info Systems
|BSO/Emry Hall
|Resident Director
|Athletic Director
|BSO/Girton House
|BSO/Heston Hall
|VP for Business / Admin. Services
|BSO/Higbie Hall
|Resident Director
|BSO/Kennedy Ctr
|Dean, Education
|Director of Library
|Director of Bus & Educ Institute
|Museum Curator
|BSO/Physical Plant
|Director of Physical Plant
|BSO/Richardson Hall
|Resident Director
|BSO/Sci Ctr
|Chemistry Instructor
|BSO/Tech Bldg
|Director of E-Education Services
|BSO/Trojan Ctr
|Director of Student Union
|Resident Director
|Chemistry Instructor
1 Only building safety officers are listed for any individual building. Contact the BSO for further information on BCHO's and BPO's.
2 These areas have adopted their own modified CHP's.
1. Jay A. Young, Warren K. Kingsley, and George H. Wahl, Jr., Developing a Chemical Hygiene Plan (American Chemical Society, USA, 1990).
2. Federal Registry 55, number 21, Jan. 31, 1990 as reproduced in reference (1).


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Erlingur Einarsson is a new contributor to Roundball Mining Company. He is excited to join our team and honored to be an active part of something he cares so deeply about. This is the story of his relationship with the Denver Nuggets for the last 23 years…
The post-Carmelo Anthony era of the Denver Nuggets began, of course, on the day he was traded to New York. That day would mark a historic sea change in the Nuggets culture, and in its wake the newly assembled team handled what could have been a much rougher transition remarkably well, closing out the season with an 18-7 record that few would have thought possible. Despite continued success (relative to expectations around the league) in the following season, the NBA lockout and injuries deprived Denver of the full training camp, preseason and 82-game regular season they really needed to take the team to the next level. (more…)
Dikembe Mutombo Mpolondo Mukamba Jean-Jacques Wamutombo entered the league as a 25 year old rookie in 1991 yet still managed to play well past all of his younger classmates. Drafted by the Denver Nuggets with the fourth overall pick out of Georgetown Mutombo was billed as the next great defensive center to enter the league.
He was all knees and elbows and looked far from graceful, but it did not take long for everyone to realize he had the discipline, and timing to be an all time great shot blocker. If you watched every second of Mutombo's NBA career and counted every time he left his feet on a pump fake you would still have fingers left over on your first hand.
In addition to his defensive talents early in his career Dikembe wanted to be a scorer. I still do not know how he managed to average 16.6 points per game his rookie season. His go to move was basically to pivot around repeatedly until the defender became so disoriented that he had a clear shot at the rim. Dikembe may have been the last person to realize he did not have the coordination or touch to be a great scorer, but after he gave up on leading his team in scoring and focused completely on defense he became a force.
He may have been the first healthy player in the history of the NBA to see his scoring average decline for four straight seasons after his rookie campaign. However in the second, third and fourth seasons of that four year stretch he lead the league in blocked shots averaging 4.1, 3.9 and an insane 4.5 blocks per game during that stretch.
As a defender Dikembe was more than a shot blocker. He was Mt. Mutombo, who stood 5,287 feet and two inches high, the centerpiece of the Nuggets defense. He made the leap from good to great during the 1994 playoffs where he defended the explosive Shawn Kemp one on one in crunch time and did an incredible job. Of course we all remember the final moments of that series as Dikembe grabbed the final rebound and fell back into the lane with a look of pure jubilation on his face. That image still represents the highpoint of this franchise for over 20 years.
Mutombo garnered the first NBA defensive Player of the Year award for any Denver Nuggets player the next season, 1994-95. He would win the award three more times and become one of two players to be four time winners (Ben Wallace), but he would not win the award again as a Nugget. Bernie Bickerstaff made the mind numbing decision to allow Mutombo to walk after the 1995-96 season choosing financial flexibility over having the best defensive center of the decade and Dikembe signed with the Atlanta Hawks. He continued to do what he did best, defend, block shots and inspire his teammates and even escorted Allen Iverson to the 2001 NBA finals as a Philadelphia 76er.
Last night Dikembe's now 18 year career apparently came to a close. While fighting with Greg Oden for a rebound Mutombo's knee gave out and he fell to the floor in pain. While he lay on the court surrounded by his teammates the announcers watched the replay and marveled at how even after the injury and on his way to the floor he still did everything he could to prevent Oden from collecting the rebound.
I will always remember his awkward post moves, his finger wag (that was so good the NBA had to keep allowing him to do it after the cracked down on taunting as long as he did it to the crowd and not to an opposing player), the way he would ask opponents, "Don't you get cable?" after blocking a shot, Jordan's free throw with his eyes closed as a tribute to Dikembe for not allowing MJ to dunk on him, the legendary who wants to sex Mutombo story (I remember hearing a first hand account of the episode on the Jim Rome show years ago) and above all his celebration after game five of the 1994 playoff victory over the SuperSonics.
He may have only been a Nugget for five seasons, but he was a great player to cheer for and an even better person off the court. I am sorry his career had to end this way, but I know it will allow him to do even more to help people. Even with his success on the hardwood, aiding others is what he was put on this earth to do.
Update: Chris Sheridan has the tale of Mutombo's fight to keep his patented finger wag.
Update No. 2: Henry at TrueHoop has an indescribably awesome video of Dikembe's Rocket teammates imitating him plus a handful of great links.

subset: commoncrawl


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Welcome to The Gadget Professor Show #100 hosted by Don Baine, produced by Mike Baine.
SPECIAL ANNOUNCEMENT! The Gadget Professor will be broadcasting "LIVE" from NAB next week. Check out TPN.tv to watch him live along with his co-host Todd Cochrane Monday-Thursday
Metro Vac's "Green Power" Blows Off "Canned Air" This newest addition to Metro's proven DataVac® line has been completely redesigned from the ground-up. It is much more compact and comfortable to use than previous models and features a new, almost unbelievably powerful 500-Watt motor that literally blasts dust, dirt and debris off expensive computer/electronic equipment to keep it running at peak efficiency. The new DataVac® Electric Duster® is positioned as a "greener", more effective and cost-efficient alternative to the controversial "canned air" products currently dominating the category. Available in 110 volt and 220 volt models.
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Plus, our regular software & apps features and some interesting interesting news items this week.
Sit back and relax while you watch The Gadget Professor.
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Redirect Loop "caused" by Buddypress, yaaaaay!
So, after installing Buddypress (specifically), I receive a redirect loop. You know, that thing that makes it so you can't access your page, ever.
My thoughts are that this is caused because I did, at one time, have Buddypress installed, then uninstalled it, screwed around with the http:// and http://www. settings of my site on not only the WordPress page, but through my Hosting provider as well, and now I can't "reinstall" it due to it maintaining the settings of my old install.
(^ Impressive run-on sentence.)
That said, I don't know how to completely wipe all traces of Buddypress from my WordPress so I can 'redo' it all again.
Keep in mind that I'm not talking Activate/Deactivate. Buddypress won't let me run through the Installer again, because it had been installed in the past. Or.. something.
Aside from wiping my entire site, I have no idea how to fix this issue.
You must be logged in to reply to this topic.


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As a Y volunteer and founder and leader of the Greater Rochester Health Foundation, John Urban brings vision and leadership to efforts that improve the health of the Rochester community. Through the foundation, John has supported expansion of the YMCA's Diabetes Prevention Program; programs to reduce obesity among Hispanics and African Americans, initiatives encourage healthy behaviors among families and young children and efforts to transform community environments to provide opportunities for healthy living.
See the full lineup of artists and performers.


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Students who walk to Pelican Elementary School in Cape Coral are having a tough time. There are no sidewalks near the school, forcing the young kids to walk in people's yards and in some cases - way too close to traffic.
When school let out Wednesday, the kids were sharing the street with cars as they walked or biked home.
But that could soon change.
The City of Cape Coral and the Lee County School District are applying for a Safe Routes to School grant to put sidewalks up in the area across from Pelican Elementary.
The $190,000 cost would cover parts of three streets near the school.
That includes SW 32nd Terrace, SW 3rd Avenue and SW 37th Lane. - Satellite view of the school
Parents we spoke with in the area say this area is plagued with speeders and sidewalks would make it safer.
"I feel like I'm in their way. If they had sidewalks, we could get out of their way," said parent Erin Macindoe. "I try to just stay on the grass or close to the side of the road as I can."
Officials with the school district say there are roughly 400 students in the surrounding area that could benefit from the sidewalks. If you'd like to give some input on this problem, you will have the opportunity to do so. A public meeting is scheduled to be held on February 5th at 6 p.m. at the school.


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Lyrics & Chords
Original singer: Mohd.Rafi sahib
Here is my version/rendition.
This must be in Malkauns. Pl correct me if I am wrong!
An old Rafi gem. The film was MASTANA (1954). Music was by Madan Mohan and lyrics were by Rajinder Krishan. I used to hear this song so many times in those old days and love this.
mat bhool are insaan…2
teri neki-badi nahin us se chhupi (neki badi=virtue and vice)
sab dekh raha bhagavaan
mat bhool are…………………
hai jisane banaaya mitaae vahi…2
phool-kaanton ko sang-sang khilaae vahi…2
khel jeevan-maran ka
khel jeevan-maran ka rachaae vahi
daale maati ke putale mein jaan
mat bhool are…………………………
jo vidhaata ne likhi use maan le
praan deve vahi aur vahi praan le…2
( tere bas men hai kyaa ) \-2
ye zara jaan le
tu hai nirbal to, vo balavaan
mat bhool are………………………
>>mushy<<- said
kya baat hai … kahan -2 se gane dhoodh ker late ho VSG ji … never heard but liked it ….
take care
Music has no country, no religion , Its Universal
Dr sridhar saxena said
Agai this original is not known to me but loved it in ur vocals Sir……star pperformance
Dr.Sridhar Saxena
uploaded over 2 years ago
- 38 Plays. Last played on September 27, 2014
- 1 Favorites
- 2 Likes
- 3 Comments
- 110 MAT BHOOL ARE INSAAN MP3 Download


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- Andres Aullet
- Sandpoint, ID
- United States
This conversation is closed.
Should we teach our kids about how advertisement (public relationships, marketing) works?
Let's face it, advertisement works.
But let's also admit it, it is not as simple as a creative ad shown during the superbowl or a picture on a magazine that we find funny and incidentally reminds us of some particular brand of chips, or insurance company.
As far as i know (admittedly a much more thorough research can be done), advertisement works because it exploits a few flaws in the way our subconscious work:
- we remember things best when emotion is evoked while we learn them (fear, anger, excitement). And this is due to the chemical changes that these emotions induce in our brain.
- we decide mostly with emotions, and not with reason. This seems counter intuitive to most people
- we live with the ever present contradiction of trying to be unique and trying to be like others. We like to be singled out if we are wearing nice clothing, but we hate being singled out if our pants happen to rip.
- being rejected by our peers, or not being part of the in-group we admire, actually hurts, pretty much in the same way (neurologically) as a punch in the stomach hurts
- anything repeated frequently makes a stronger memory, easier to recall, and a memory that is easier to recall is trusted more (and feels more familiar) regardless of it's veracity
- novel experiences are considered riskier than familiar experiences, regardless of their real inherent risk
So all these factors are merged with a product and tweaked to make that product appealing and familiar to us, without us fully understanding why it feels appealing and familiar.
Now, recently the target of the advertising industry are increasingly younger kids. And I would venture to say that if many adults don't fully understand why advertisement works, then even less kids would be expected to know
Should we include in a kids education: at schools, in church sermons, at dinner table conversations, an explanation of what advertisement is and why it works? What would be an argument against teaching this?
Showing single comment thread. View the full conversation.
Oct 25 2012: Andres, I do agree with you on much of what you have said. Marketing does work best when it triggers emotions and all marketers know this.
That said, we are ALL consumers. Even Marketers are. We still need to buy things and we typically buy what we need or what we want. If we want something we don't need - is that the marketers fault OR is it our issue for being weak?
So the education required here (for adults and children alike) is not just about how marketing really works - it's about due diligence and self control (among a few other fundamental but complex forms of logic)!
We will always need to buy things. That won't ever go away. So of COURSE marketing is going to live on forever. But we (as consumers) do need to assess what we are exposed to better and we need to check in with ourselves about whether its RIGHT for us or not.
We are (as a global community) in a world of debt. Why - because we buy more than we need and we need more than we can afford. AND we have very little education on HOW to change this.
Is that REALLY the fault of marketing?
P.S. I do take issue with some of the comments below. Saying that all marketers are liars, scammers, profiteers etc. is very accusatory. Even if few and far between, there are actually some marketers on the planet that do what they do because they believe in the companies they do it for AND actually care about those who would likely buy their products.
P.P.S. An ethical marketer see's marketing as NOT a way to scam people out of their money for a crappy product but a way to educate consumers better so that they can make informed decisions.
Oct 29 2012: Hello Cijaye,
Thank you for your comment,
I agree with you that we should exert personal responsibility and educate ourselves in order to be less "weak" towards the marketeers message. But I would contend that personal responsibility can only go so far, specially in cases when people do not have the means or the time to get educated regarding everything they are being told by advertisement
Our time is finite. And given the chance, I would rather spend it learning science, or playing music, and not researching whether a particular brand of electronic devices will provide me with that 1% "differentiation" that will make my life "so much better" than the competing products could
So it is an a sense an assault on people's, to force them to spend now a large proportion of their time weeding through oceans of information, which is mostly useless from a survival or personal growth perspective, in order to decide which products to buy or whether to buy a product in the first place. There is a misconception i find frequently, that is that if choice is good, more choices is always better... Time is limited though
I concur with you, and I do not intend this discussion to be an indictment against marketeers. Not all of them are scammers and profiteers. I have tried to turn the discussion from that accusatory stance, to one where we can find the right balance between somebody trying to sell a product, and somebody blatantly lying by concealing relevant information, in order to produce an unnecesary state of dissatisfaction on the "consumers"
By the way, for some reason I do not like the classification of consumers in the economic sense. We were humans long before there was such a thing as economics, and yes we consumed resources from the environment, but there was no need to promote consumption as a way of life, as i think there is today
I agree with your last sentence. Giving relevant information to educate people is definitely an ethical way to promote a product
Oct 29 2012: Great response Andres, and you did make an excellent point that I too should have brought up. The word consumer is an "unfriendly" classification. I use it simply to group those who buy things together - but the reality is - I too very much dislike the term.
Long story short though - your overall concept of educating youth at a SCHOOL level about how this all works and how they can protect ourselves is very smart and in many ways (I believe) quite necessary.
P.S. I understand your points about the time drains involved with due diligence, but because I am often one that helps business recover from seriously bad decisions that resulted from NOT doing due diligence, I see that time as quite important (at least for larger investments)
Showing single comment thread. View the full conversation.


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Jesuits and their lay colleagues are blessed with one of the world's most extensive, expert education and social service networks. You'll find Jesuit-administered universities, high schools, and refugee centers, churches, vocational training, or poverty eradication programs in more than 100 countries!
Jesuit Commons: Higher Education at the Margins (JC:HEM) is an initiative of the Society of Jesus that brings Jesuit higher education to those at the margins of our society. It draws on the rich and centuries long Jesuit tradition of higher education and mobilizes the resources of the Jesuit worldwide network of educational institutions. Click here to find out more about Jesuit Commons, Higher Education at the Margins.


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Our Supportive Oncology Multidisciplinary Team works with each of our multidisciplinary teams to provide patients expert support for:
The goal of the team is to improve the quality of life for cancer patients and their families. These services are available from the time of initial diagnosis throughout all phases of treatment and care. The team also provides support for family members, recognizing they often experience emotional distress when a loved one is diagnosed with cancer.
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To schedule an appointment at Karmanos, call 1-800-KARMANOS (1-800-527-6266) or request an appointment online.
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Make an appointment, Please call between 7:30 AM - 5:00 PM, Monday - Friday


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We believe there is a need for a more deliberative and civil dialogue between citizens and elected officials. CMF recently released a research report on the effects of online town halls. The Partnership will continue this work by conducting comparative research on in-person town halls, online town halls, and the telephone town halls that are now common on Capitol Hill.
For town hall meetings to be effective and deliberative - defined as the discussion and consideration of all sides of an issue - citizens need to be able to hear each other and the Member. Likewise, Members of Congress need the opportunity to explain their own policy positions in a face-to-face venue and to hear feedback from as broad and representative a group of their constituents as possible. Read More
Please contact us through our Web form or via telephone at 202-546-0100.
Congressional offices will receive an invoice via email and with their order. District/state offices will incur shipping fees, unless copies are hand-delivered to DC office.
Non-congressional offices must pay in advance before publications will be shipped. Please contact a CMF staff member to discuss total charges for non-congressional orders. CMF currently accepts payments by cash (in person only), check, or money order for non-congressional orders. We apologize that payments via credit or debit cards cannot be accepted.
CMF is a 501(c)(3) nonpartisan nonprofit dedicated to helping Congress and its Members meet the evolving needs and expectations of an engaged and informed 21st century citizenry.
Our work focuses on improving congressional operations and enhancing citizen engagement through research, publications, training, and management services.


text: The Nephrology Division has an active research enterprise. We currently have several principal investigators who have been awarded a number of NIH grants. Additionally, we support clinical study nurses to do clinical research, some of which is sponsored by industry. The emphasis on research leads to a large number of publications in excellent peer-reviewed journals. Below are listed the investigators with appreciable non-industry funding:


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A night before the last day of final exams, the buzz on Columbia's campus is about much more than just books. This week, fliers appeared inside university bathrooms listing the names of four male students described as rapists.
The fliers appeared after the same names were written on the walls of a few bathrooms and later removed, according to the Columbia Spectator.
Students we spoke with didn't know who wrote the names, but speculated that the actions are part of a larger frustration on campus.
In April, with the backing of Sen. Kirsten Gillibrand, 23 Columbia and Barnard students filed a federal complaint about the handling of alleged sexual assaults on campus.
The university issued the following statement to Fox 5: "The University is mindful of the multiple federal laws that govern these matters and provide important protections to survivors of sexual violence and to students engaged in our investigative process. These laws and our constitutional values do not permit us to silence debate on the difficult issues being discussed."
Columbia also presented an action plan including better resources for victims and enhanced training during student orientation, and more. The university also created a new administrator position, the executive vice president for student affairs, whose job will include being responsible for these resources.
25 FOX DriveDedham, MA 02026
Phone (781) 467-2525


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Japan Airlines (JAL), a recognized Eco-First company by the Ministry of Environment of Japan, today reiterated its commitment to the conservation of the environment with the announcement of its latest environmental guidelines and action plan.
1. JAL will proactively make approaches to prevent global warming.
JAL will conduct energy saving activities at ground facilities, such as offices and shops.
3. We will strive to create a recycling society and promote environmental conservation.
4. We will strive to conserve the environment in the vicinity of airports.
5. We will care for bio-diversity.
JAL Group Promotes [Sky Eco] for a Greener Tomorrow
Source = Japan Airlines


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You're leaving Wedding Paper Divas to see the Deal of the Day at our parent site, Tiny Prints.
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
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"I ordered this product for my engagement dinner. The design and color were perfect. Paper quality was perfect and I liked being able to change the shape of the invite and order matching black envelopes. Myself, my fiance, and immediate family members loved them!"
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Release Date:
For the love of scotch! Will Ferrell, Steve Carell, Paul Rudd, and Christina Applegate exchange sex jokes; rumble with Ben Stiller, Vince Vaughn, and Tim Robbins; and fall into bear habitats. It's the funniest comedy of 2004, and not just because of every single word that comes out of Steve Carell's hilarious mouth. As you may or may not have heard, Ferrell's swinging movie epic about San Diego news anchormen of the '70s was largely improvised. Tons of material remained on the cutting-room floor…so much, in fact, that a separate feature-length bonus movie, called Wake Up, Ron Burgundy, has been made out of all the snippets and is included on the unrated two-DVD set. And there's more: Ron Burgundy on the MTV Video Music Awards, a Ron Burgundy audition for ESPN SportsCenter, outtakes and bloopers, and a documentary, as if you had the time to cram this much Ron Burgundy information into your skull. Yes, it's a great flick; it also may be the best extras compilation we've ever seen.


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The US Federal Trade Commission has announced a final ruling on new labels for light bulbs. The labels will break down the "lighting facts" of bulbs much like a nutrition label on food products. With CFLs, LEDs and other lighting technologies filling the shelves alongside incandescents, the labels will help consumers find what they're looking for.
The major change that these labels bring is using lumens to indicate the brightness of the bulb instead of watts, that way all bulbs will use the cheap prices for viagra same terminology and tramadol order overnight consumers can compare them easily. Other statistics listed on the labels will be: yearly energy cost, the bulb's life expectancy, light appearance (on a scale of warm to cool), energy used (wattage) and, for CFLs, a warning that it contains mercury.
The clear labeling of cost and energy savings over time, could help more efficient lighting win over consumers who haven't made the switch yet.
The new labels should start showing up in the middle of next year.
via TreeHugger
written by Doc Rings, June 25, 2010
Might as well have a poison skull&Bones on the CFL's for the ignorant American consumer. "Mercury: that kills people!!! Better not buy THAT bulb!!!" Even though it will save a TON more money and CO2 emissions over it's life than the incandescent bulb.
Even the Kelvin scale on generic cialis next day shipping the sticker will be misleading to the wow look it best online generic viagra majority of canadian cialis generic consumers... maybe it's "better" when the scale is to the far left? Or "better" to the far right? Not knowing AT ALL, of course, what the Kelvin scale is all about.
I guess the Nanny-state Federal Government must hold the hands of the lowest common denominator consumer in America with an IQ of 60.
written by Garrett, June 25, 2010
written by Todd Horst, June 25, 2010
written by Todd Horst, June 25, 2010
written by Carl Hage, June 25, 2010
samples is generic cialis mexican here:
Besides the back label shown above, there is a front label that shows brightness (lumens) and energy use (dollars/year @3hrs/day, $.11/kWh).
I think it's great to measure relative energy use in dollars. We should do that for other appliances like TVs.
written by kurdt, June 26, 2010
Seriously, I know people who can't do the math to divide the www.transitofvenus.org cost of the bulb by 5.5. They'd say "these bulbs last about a year, so a $1 incan at $7/year is cheaper than a $7 cfl at $1.50/year." Or they might think you're supposed to www.aldentheatre.org multiply the years it lasts times the cost/year to get cost. People suck at word problems. If there is any ambiguity someone will screw it up.
written by lightpants, June 28, 2010
written by davgart, July 03, 2010
written by Timetrvlr, July 05, 2010
Mercury Content Common Items
* 3000mg - Common thermostats (max. amount)
* 500mg - Old mercury-filled thermometer
* 500mg - Dental filling
* 25mg - Watch batteries for the last 50 years (now going mercury-free)
* 13.6mg - Mercury emitted at power plant to viagra pharmacy power an old NON-CFL bulb
* 5mg - Compact fluorescent light bulb
* 1-3 mg - Low-mercury CFL's (e.g., Phillips and Turolight)
Figures from Energy Star Canada and GE
written by energy-savinglightbulbs, November 08, 2011
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|Chatrium Point Plus ( + )
|Customer Support call : +66(0)2307 8888 , E-mail : email@example.com
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text:
42 U.S. Code § 300ee–31 - Availability of information to general public
prev | next
(a) Comprehensive information plan
The Secretary, acting through the Director of the Centers for Disease Control and Prevention, shall annually prepare a comprehensive plan, including a budget, for a National Acquired Immune Deficiency Syndrome Information Program. The plan shall contain provisions to implement the provisions of this subchapter. The Director shall submit such plan to the Secretary. The authority established in this subsection may not be construed to be the exclusive authority for the Director to carry out information activities with respect to acquired immune deficiency syndrome.
(b) Clearinghouse
(1) The Secretary, acting through the Director of the Centers for Disease Control and Prevention, may establish a clearinghouse to make information concerning acquired immune deficiency syndrome available to Federal agencies, States, public and private entities, and the general public.
(2) The clearinghouse may conduct or support programs—
(A) to develop and obtain educational materials, model curricula, and methods directed toward reducing the transmission of the etiologic agent for acquired immune deficiency syndrome;
(B) to provide instruction and support for individuals who provide instruction in methods and techniques of education relating to the prevention of acquired immune deficiency syndrome and instruction in the use of the materials and curricula described in subparagraph (A); and
(C) to conduct, or to provide for the conduct of, the materials, curricula, and methods described in paragraph (1) and the efficacy of such materials, curricula, and methods in preventing infection with the the [1] etiologic agent for acquired immune deficiency syndrome.
(c) Toll-free telephone communications
The Secretary shall provide for the establishment and maintenance of toll-free telephone communications to provide information to, and respond to queries from, the public concerning acquired immune deficiency syndrome. Such communications shall be available on a 24-hour basis.
[1] So in original.
Source(July 1, 1944, ch. 373, title XXV, formerly title XV, § 2521, as added Pub. L. 100–607, title II, § 221,Nov. 4, 1988, 102 Stat. 3102; renumbered title XXV, Pub. L. 101–93, § 5(e)(1),Aug. 16, 1989, 103 Stat. 612; amended Pub. L. 102–531, title III, § 312(d)(22),Oct. 27, 1992, 106 Stat. 3505.)
1992—Subsecs. (a), (b)(1). Pub. L. 102–531substituted "Centers for Disease Control and Prevention" for "Centers for Disease Control".
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
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Home » Opinion » Columns
Dave Kopel: Colorado recall a warning to lawmakers
After the vote last week, Hickenlooper said, "Obviously I'll have to do a better job of getting the facts out there" about the gun control bills. The voters' message, however, wasn't that gun control advocates don't talk enough. The problem was how little they listened during the legislative process.
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- New Nashua computer curriculum stresses exam, lifetime skills - 0
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- Alton educator selected as NH Teacher of the Year - 0
- USNH: Restore funding and we'll freeze tuition - 5
- Manchester, Hooksett will resume schools conversation - 2
- River Valley Community College planning for new president's inauguration - 0
- Singing a nationwide national anthem at St. Anselm College in Manchester - 0
Nashua fourth-graders show significant gains in scienceREADER COMMENTS: 0
- Man arrested in White Park stabbing in Concord - 0
- Motorcyclist in serious condition at Maine hospital following crash on Route 125 in Rochester - 0
- Rochester 10-year-old, grandmother escape fire in home with no smoke detectors - 0
- Two arrested, car and cash seized in SWAT raid, drug bust at South Mammoth Road home in Manchester - 0
- Dean Kamen is a genius inventor, and he's pretty good at oratory, too - 3
- Tom Herzig's Trackside: Modified tour is shortened - 0
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Kuster, Shea-Porter split on vote to arm Syrian rebelsREADER COMMENTS: 0
Keene man charged with assault on 2-year-old
Mark Hayward's City Matters: Dean Kamen is a genius inventor, and he's pretty good at oratory, too
Casino gambles: Hopes dashed all over


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7 reasons you're broke
When you end up broke, you're forced to do things you wouldn't normally do.
This guest post comes from Andrea Whitmer at So Over Debt.
Recently I made a super-late trip to the grocery store (you know, because Wal-Mart is pretty empty at midnight) and I left there ready to strangle someone. Not because of what my groceries cost -- I spent only $100 -- but because of a fellow shopper.
First of all, this lady had her obviously school-age child in Wal-Mart at midnight. There was still a week of school left. Now, there might have been a good reason for that, so I really tried not to judge her. But that didn't last too long. I passed her several times on my quest to buy real food, and at one point her daughter gestured toward me while I was putting a bag of apples in my cart.
"Mom, I want some apples!" she said.
The lady snapped at her, "You're not getting apples! I don't know why you think I'm made of money!"
Oh, hell to the no. Commence Super Andrea Judge Mode. I looked in her cart, and what did she have? A couple of shirts, three or four DVDs, and some random grocery items. And no matter how hard I tried, I couldn't come up with a single scenario where it's OK to buy movies and tell your child she can't have apples. Unless I'm missing something, that woman was either really mean or really broke. Or maybe both.
I don't know much about being mean, but I'm an expert at being broke. Thankfully, I've never deprived my son of things like fruit, but that situation got me thinking about the things I have done (or done without) due to lack of funds. Then I started thinking about why people end up broke in the first place. I came up with all kinds of reasons why someone's pockets may be empty. Here are seven of them:
1. You don't have enough income to meet your expenses.
Been there, done that. Sometimes no matter how much you cut, you just can't juggle all your responsibilities on the amount of money you have coming in. This is the part where I'm supposed to tell you to get another job or go back to school, but I'll be honest: Now is not a great time to do either of those things. So instead I'll just tell you I know it sucks and I'm sorry. Reduce expenses as much as you can, and don't be ashamed to ask for help if you need it. Especially if your kids want apples! (Post continues below video.)
2. You spend too much money on junk.
If spending could go on a résumé, mine would be the size of a phone book. So please know that I'm not being condescending when I say that you have two choices: Either you can stop spending or you can continue being broke. Getting over my spending addiction was one of the best things I ever did, but no one could convince me to do it. I had to make that decision myself. And it came when I was tired -- really tired -- of being broke.
3. You have a serious health problem, a sick family member or some other unfortunate circumstance.
It's unfortunate that because we live in America, something like medical treatment can leave us bankrupt. But for now, that's the way it works. If you're broke because of a natural disaster or your spouse's untimely death, you have my sympathy and you will receive no judgment from me. Just do the best you can.
4. You give away all your money.
Ever meet one of those people who is generous to a fault? She's paying her sister's electric bill, taking care of her friends' library fees, picking up her grandma's prescriptions and cooking meals for her neighbors. Oh, and she faithfully donates money to charities and/or her church. Yet her bills aren't paid on time and she frequently goes without the things she needs. If you're one of those people, STOP BEING A LUNATIC. There's a reason why all the finance people harp on paying yourself first. Helping others is great, but only when your own bills are paid.
5. You don't plan ahead.
Emergency funds are all the rage right now, but have you ever considered why? Because stuff happens. When you have a savings account full of money, you can usually deal with said stuff pretty easily. But when you don't, you end up using a credit card, borrowing money or going without. You absolutely must start saving, even if it's $10 a month. Saving is contageous; try it out!
6. Your priorities are screwed up.
True story: My friend's mom hasn't had air conditioning at her house in almost three years. We live in the South, where you can seriously DIE in a house with no air conditioning. It's not optional. Yet my friend's mom has been surviving without it somehow, all while taking at least two vacations a year. If you ask about the AC unit, she sighs, "We just can't afford to get it fixed right now." If you're doing crazy things like that to afford things like vacations, I don't even know what to tell you.
7. You simply don't know where your money goes. Or you're afraid to find out.
When I took over my cousin's finances in February, I was flabbergasted to see how much money he spent on late fees, overdraft fees and random stuff that he didn't even remember buying. Since he makes more in six months than I've ever made in a year, it just didn't make sense that he would be broke. But because of his failure to pay attention to little things like his bank balance and the due dates of his bills, he barely had a dollar to his name. Luckily he'll be coming home to a nice cushion of cash.
The bottom line
When you do any of the things I mentioned, you end up broke. When you end up broke, you're forced to do things you wouldn't normally do. When you're forced to do things you wouldn't normally do, you buy DVDs instead of letting your child have apples. Don't buy DVDs instead of letting your child have apples.
Are you (or have you ever been) broke for any of the reasons I listed? Any other reasons you can think of why people don't have any money? Am I the only one who wanted to punch the grocery store lady in the jaw?
More from So Over Debt and MSN Money:
I have done a couple of things to get me on a schedule.
1. Get a small Emergency fund intially....bout $500-1500 to start. then get it to at least 3 months expenses.
2. set up a savings account in a different city at least 50 miles away...with NO ATM acesss
3. Started paying myself first,into that Saving Account in a differenct city...$100/paycheck....Had $2600 in a year. put at least 1/2 of my annual bonus in their also.
4. every raise for over 10 years went to the saving account or to the retirement fund.
5. Got on a budget....it took more than 6 months to get it refined but it works.
6. paid off credit cards completely, got rid of all of them but ONE used it for travel only.
7. Paid off my cars. and kept them for over 250K. took 1/2 of the payment when paid off and set aside for another car....in a separate saving account. Then I bought only used cars with around 60K miles on them.
8. bought a house that was only 60% of my gross salary...It was a foreclosure. I have never bought a house that was more than 2 times my total gross salary.
I live in a rural area. I saw a brand new Cadilac Escalade in a driveway of a house that was only 6-800 sq ft. the Escalade cost more than the house! The people who lived there complained that they never had any extra money.....GO figure!!!
I curb spending by figuring out how many hours I must work to pay for an item, tempered with how well I like my job (or not). First I calculated my spending money by dividing my take-home pay by the numbers of work hours. (Don't use Gross pay – use the amount left after taxes and all other deductions are taken out.) Then I divide the price of the item by my take-home hourly rate, to find how many hours I must work to pay for it. Don't forget to add taxes to the cost of the item, and also interest if you'll charge it to a credit card that you won't pay off.
As an example, I used buy lots of music CDs. When I calculated my take-home pay I was making about $10 per hour. The average cost of a CD was $15, so I needed to work one and one-half hours to earn the money to pay for one CD. That made me think harder about whether I really liked the artist enough to warrant working that long. I still buy music CDs but not so many.
Another way to look at this is to figure out how much spending money I really had after necessities (rent, utilities, taxes, insurance, basic foods, emergency savings account, etc.) were paid. Then when I considered buying something I could compare its cost to the spending money I had on hand. I can decide if the item is worth enough to me to deplete my spending money, and how many paychecks I'd need to pay the bill off. The bottom line is these calculations helped me realize how well I could afford things, and how much I had to work to pay for them.
Whatever you do, don't allow a salesman to trick you into thinking that you can afford something because it only costs x dollars per month. His math probably hides the length of time you'll be paying, and therefore how long your ability to purchase other things is hampered.
BTW, Thumbs down on a statement such as this can only mean (brattiest little girl voice) : "I don't want to consider before spending and you can't make me"!..To which I reply, you and anyone else is welcome to jacuzzi in their own feces anytime you like...............LOL!
NEED VS WANT. Definitely. You don't need to deprive yourself if you have the cushion for it, but don't go overboard and use ALL of that cushion.
I grew up broke. My mom was a single mother of 3 and got no child support. So I have always tried to be REALLY good about spending, I get bad anxiety when our bank account is low. But while I can say we are doing better and getting on track... At first it was really hard to be really good about spending when my husband got a new job.. we had both grown up with nothing and decided we deserved nice things. So instead of paying off the debt we accrued before he got the new job, we spent too much on way too many things. It only took a year to take its toll and we finally got our debt paid way down and are able to start saving for a house.
LOL, air conditioning in the South is not optional? In whose opinion? People lived in the South for centuries before air conditioning was invented and became widely available. There may be many examples of screwed up priorities in this world but they are not always that easy to identify. The whole point of priorities is that everyone's are different. If you live in the South and are not bothered by the heat and would rather spend your money on vacations then on your electricity bill more power to you.
if you are lucky enough to have health incsurance...understand the policy. As a single mother, I was devasted (emotionally & financially) to learn that my hearing-impaired child wold not be covered for anything "hearing related." Exams, audiograms, surgical procedures, hearing aids...even a simple ear infection... all come under "hearing related - non-policy." In one year I went from a significant savings to have 10K in medical debt. Now we are cutting back on everytning just to pay the bills.
There is definitely the need vs the wants in importance and priorities. The only thing I can say is that low wages everywhere you go, whether you have the "job skills" or not is what keeps people in poverty. Stagnant wages for the last 30-40 years is the biggest contributing factor to people being broke. There is no such thing as promotion anymore. Sure, the employee can take on more responsibility and more training, but is there a raise with that, NO. My husband has been certified on various equipment and is the only certified trainer on one piece of equipment in the country for his company and NO raise for that. The average working person is struggling because the cost of everything is up and wages are flat or going down.
And for those who opt for Internet, cable TV, a smartphone (likely a pay-by-the-month), purchasing the non-essentials, are likely the same people who windowshop for months or years at a time and never get anything and get sick of dreaming. Window shopping at the grocery store is the worst. To walk by the meat department or the fresh produce department and comment to your spouse who a nice steak would be so great or to afford a fresh watermelon for a summer picnic would taste so good but you never get one. To never get the chance to buy a new movie or a cd for years at a time leaves the wish list growing ever so longer. It gets old seeing others around you with a new car that never breaks down, going to the movie theatre, having nice things. Things you can never afford to have or do. A family vacation--what is that? I am 38 and have still never had one. Sometimes, a person gets sick of doing the right thing, going without to be responsible and decides--they are going to splurge and make themselves happy for a little while.
Can't pass judgement unless you have been there.
If you have money issues, I would try and cut out whatever expenses you have and don't need... or at least minimize expenses. I would first check out insurance costs (especially car insurance)... they are massive drains on your pocket. Look to bring your payments down to around $25/month (check Insurance Panda for this). I would also try to minimize gas costs with the GasBuddy app. Once you finally get your spending under control, you'll realize that you can start paying off your debt FAST. (or you could save it)
First, one's priorities are not anyone else's. Did this arrogant author consider that perhaps the woman in Walmart may have had other fruit at home and that perhaps she needed those shirts and the DVDs may have been for gifts? What a judgemental ****!
Another example--my parents lived without air conditioning until the 1990s. IT IS NOT MANDATORY. Again, priorities. Perhaps what is spent on air conditioning to this family is a valuable trade-off in order to have some kind of vacation together. But oh no, our great and sanctimonious author of course had to pass judgement -- based on HER value system.
Authors like this hork me off.
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Board of Commissioners Profiles
Dato Sri Nazir RazakPresident Commissioner
Malaysian citizen, 47 years old. President Commissioner of CIMB Niaga since January 2012. He is the Group Managing Director/Chief Executive Officer of CIMB Group since November 2006, and Deputy Chairman of CIMB Investment Bank, CIMB Bank and CIMB Islamic.
He is a member of the Investment Panel and Chairman of the Investment Panel Risk Committee of Employees Provident Fund in Malaysia. He holds directorships in various CIMB Group companies, Malaysian Electronic Payment System (1997) Sdn Bhd and is an Executive Committee member of Malaysia International Islamic Financial Centre. He is also a member of the Board of Advisors for the Rahah Foundation and the Pride Foundation.
He graduated from the University of Bristol with a Bachelor of Science (Hons) degree and obtained a Master of Philosophy (MPhil) from the University of Cambridge.
Glenn M.S. Jusuf
Vice President Commissioner
Indonesian citizen, 58 years old. Vice President Commissioner of CIMB Niaga since January 2012 and also a member of Risk Monitoring Committee CIMB Niaga. Previously, he had served as Commissioner of CIMB Niaga since April 2010.
Currently, he also has served as Non-Executive Independent Director of CIMB Group Holdings Berhad, Malaysia since January 2010, and as Independent Commissioner of PT Surya Citra Media Tbk since May 2012. His past key positions include President Commissioner of PT Polyprima Karyareksa (June 2004-2010), President Director/CEO of PT London Sumatra Indonesia Tbk (June 2003 - May 2007), President Director of PT (Persero) Danareksa (1995-2001), Director of PT Bahana Pembinaan Usaha Indonesia (1994-1995), and Finance Director of PT Bank Niaga Tbk (1991-1994). In the Indonesian Government, he served as Chairman of the Assistance Team to the Minister of Finance Restructuring the Financial Sector - Ministry of Finance from October 2001 to October 2002; Chairman of the Indonesian Bank Restructuring Agency (IBRA) from June 1998 to January 2000; and Director General of Financial Institutions of the Ministry of Finance during the period of April to June 1998.
He earned his Bachelor of Arts degree in Economics from the University of the Philippines, Manila, Philippines and a Master Degree from the Asian Institute of Management, Makati, Philippines.
Roy Edu TirtadjiIndependent Commissioner
Indonesian citizen, 66 years old. Independent Commissioner of CIMB Niaga since January 2012. Previously, he served as Vice President Commissioner of CIMB Niaga (November 2008 - January 2012). Currently, he serves as Chairman of the Audit Committee of CIMB Niaga since March 2013. He also serves as Commissioner of PT Jababeka Tbk since July 2013.
Starting his career at Citibank NA, Jakarta since 1971-1983 with his last position as Vice President and Chief of Staff in the areas of Financial Control and Human Resources. Joined Bank Perniagaan Indonesia in 1983 as a Director. Served as President Director of PT Bank Umum Asia in 1988, then in 1989 served as Vice President Director of PT Bank Lippo Tbk, which is a result of the merger of PT Bank Umum Asia to PT Bank Perniagaan Indonesia. Since the year 1998 - 2008, he served as a member of the Board of Commissioners of PT Bank Lippo Tbk.
Studied at the University of Indonesia, majoring in Civil Engineering, he is currently active in social organizations, community service and sports, and served as Advisory Council on the Indonesian Chamber of Commerce and Industry (Kadin).
Sri Hartina Urip SimeonIndependent Commissioner
Indonesian citizen, 76 years old. Independent Commissioner of CIMB Niaga since September 2007, also a member of the Audit Committee CIMB Niaga.
She also serves as Senior Advisor of PT Mitra Bhadra Consulting and Audit Committee member at PT Multi Bintang Indonesia Tbk. She previously served as President Director (CEO) of PT Unilever Indonesia Tbk. She also served as a member of the National Ombudsman Commission (1999-2000), member of the Partnership for Governance Reform (2000-2002), as well as Independent Commissioner of PT Sepatu Bata Tbk 1999-2010, Independent Commissioner of PT Dynaplast Tbk (1999-2007), and Independent Commissioner of PT Multi Bintang Indonesia Tbk (1999-2007).
She earned her Bachelors degree in Chemical Engineering from University of Gadjah Mada, Yogyakarta, 1960, and was enrolled in the Senior Executive Program at Stanford University, USA, 1988.
Zulkifli M. AliIndependent Commissioner
Malaysian citizen, 63 years old. Independent Commissioner of CIMB Niaga since July 2008. Currently serves as Chairman of the Risk Monitoring Committee and member of the Nomination and Remuneration Committee.
He currently serves as Independent Non - Executive Director at Turbo-Mech Berhad, Malaysia. Previously, he served as Independent Commissioner of PT Bank Lippo Tbk from 2005 to 2008, Corporate Planning / Corporate Structure Director at Public Bank Group Malaysia since 1993-2005, Investment Advisor Enterprise Malaysia - Canada (1990-1993), Group Administration and Controller at Austral Enterprise Berhad (1988-1990), Corporate Planning and Development Manager at Island & Peninsular Berhad (1985 -1988), and Lecturer and Deputy Dean at University of Science Malaysia, Penang (1976 1983).
He earned his MBA degree from Dalhousie University, Nova Scotia, Canada, and his MSc degree from University of British Columbia, Vancouver, Canada.
Pri NotowidigdoIndependent Commissioner
Indonesian citizen, 67 years old. Independent Commissioner of CIMB Niaga since March 2013. He has served as Chairman of the Nomination and Remuneration Committee since November 2013.
He currently serves as Managing Partner - Amrop, Advisor - Cordys, Service Software Platform - Jakarta, Advisor at Insight Alpha, Business Intelligence, Jakarta, Advisor at the Indonesian Institute for Management Development, Jakarta. He was Member of the Nomination and Remuneration at Bank Muamalat, Jakarta; Human Resources Development Advisor at IMF, Jakarta; Business Development Advisor at The Zuellig Group Financial Services; and Member of Nomination and Remuneration at Semen Gresik Group.
He earned his Bachelors degree in Political Science and Psychology from Carleton University, Ottawa, Canada in 1975.
Ahmad Zulqarnain Che Onn
Malaysian citizen, 42 years. Appointed as Commissioner of CIMB Niaga since March 2014. He is the first Managing Director/Chief Executive Officer of Danajamin Nasional Berhad. Prior to his appointment at Danajamin, he was the Chief Corporate Strategist at Affin Bank Berhad.
He started his career with UBS Warburg as an equity research analyst, recruited under the UBSs global Graduate Training Programme. Subsequently, he joined the Corporate Planning team in Pengurusan Danaharta Nasional Berhad (Danaharta), Malaysias debt resolution agency established during the 1997 Asian Financial Crisis. After Danaharta, he joined the investment banking team at CIMB before being seconded to Corporate Debt Restructuring Committee (CDRC). He had also served as Director in the Symphony House Berhad Group and Executive Director at Bolton Berhad. He graduated from Harvard University, with a Bachelor of Arts in Economics.
*)Effective subject to OJK approval
Joseph Dominic Silva
Malaysian citizen, 49 years old. Has served as Commissioner of CIMB Niaga since August 2009, and member of the Risk Monitoring Committee CIMB Niaga.
He currently serves as a Director of CIMB Bank Berhad in Malaysia and an Executive Director in Khazanah Nasional Berhad. Previously, he was Head of Commercial Asia ABN Amro Bank NV (1996-2008), Head of Non - Japanese Corporate Finance at Mitsubishi UFG (1994-1995), Fixed Income Origination at KAF Seagroatt Malaysia Campbell (1992-1993), and Corporate Banking at Malayan Banking Berhad (1990-1992).
He earned his Degree in Banking and Finance from the University of Wales.
**)To the extent the approval letter from OJK on the fit and proper test has not been obtained and the requirements set out in the OJK letter on the appointment of Mr. AHMAD ZULQARNAIN CHE ONN as a Commissioner has not been fulfilled or on the date which is 6 months following the date of this Meeting, 27 March 2014, (whichever is earlier) then Mr. JOSEPH DOMINIC SILVA remain in office as Commissioner of the Company.
David Richard Thomas
American citizen, 53 years old. Appointed as Commissioner of CIMB Niaga since March 2014. He currently serves as the Group Chief Risk Officer. He joined CIMB Group in July 2012. Before joining the CIMB Group, he served as the Chief Risk Officer Asia Pacific for the Royal Bank of Scotland (RBS). Prior to RBS, he served as the Chief Credit Officer - Asia Pacific for Bank of America.
He began his career at Wells Fargo Bank in California, USA. He has held various senior level risk positions based in Singapore, Hong Kong, Thailand and Taiwan during his 19-year tenure in Asia.
He holds a Bachelors degree from Whitman College, Washington State, USA.
***)Effective subject to OJK approval
Hamidah Naziadin
Malaysian citizen, 50 years old. Commissioner of CIMB Niaga since August 2010, and also a member of the Nomination and Remuneration Committee since October 2010.
She has served as Head of Group Corporate Resources since 2004 and Chairman of Semerak Services Sdn Bhd since 2005. She is currently the Group Chief People Officer, CIMB Group.
She earned her Bachelors degree in Law from the University of Wolverhampton, England.
****)To the extent the approval letter from OJK on the fit and proper test has not been obtained and the requirements set out in the OJK letter on the appointment of Mr. DAVID RICHARD THOMAS as a Commissioner has not been fulfilled or on the date which is 6 months following the date of this Meeting, 27 March 2014, (whichever is earlier) then Mrs. HAMIDAH NAZIADIN remain in office as Commissioner of CIMB Niaga.


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MMA News
UFC Implements New Drug Policy For Athletes | UFC NEWS
Las Vegas, NV hosted UFC and Strikeforce Fighter Summit where the hot topic was PEDs and TRT. Keith Kizer, the Executive Director of the Nevada Athletic Commission, detailed the laws and regulations pertaining to PEDs and TRT; Dr. Jeff Davidson, the promotions' medical consultant, discussed TRT along with PEDs and its short and long term effects.
The new formalized written policy against performance enhancing drugs and other banned substances is said to be a continuation of the existing policy. The same law firm that advises the NFL on PEDS will be drafting the guidelines both the UFC and Strikeforce will follow. The company's Executive Vice-President and General Counsel, Lawrence Epstein explains
"It is important to continue educating our athletes on the dangers of PEDs and other banned substances," said Epstein. "Additionally, no new UFC or Strikeforce promotional agreement will become effective before the athlete has provided a clean PED test result.
"PED and banned substance usage harms the integrity of sport, potentially compromises the safety of our athletes, raises concerns for both short and long-term health issues and sends an improper message to our fanbase. We will continue to be at the forefront of this issue. And we will continue to work with Athletic Commissions and other bodies to ensure – to the fullest extent possible – that testing procedure keep pace with scientific advancements regarding the identification and detection of prohibited substances."
The rules and policies are set in place. The company makes a clear stance on what they will consider, tolerate and find unacceptable. Ultimately the fighter decides what road to take.
Read more: MMA(News), UFC(News)


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