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Topic: Manufacturing
2013 Manufacturing First Expo & Conference Details Announced
(APPLETON, WI) – July 1, 2013 - First Business Bank - Northeast announces the third annual Manufacturing First Expo & Conference designed to provide premier networking opportunities for Wisconsin manufacturers. The event is scheduled for October 31, 2013 from 7:30 a.m.- 4:00 p.m. at the KI Convention Center in Green Bay.
One out of four Northeast Wisconsin residents is employed by a manufacturer, so it's not surprising that more than 400 Wisconsin manufacturers participate annually in Manufacturing First Expo & Conference. The event is put on by First Business, along with the NEW Manufacturing Alliance and Insight Publications to provide Wisconsin manufacturers hands-on opportunities to grow their businesses via connections to - and shared knowledge from - other local manufacturers.
2013 speakers and topics include:
- Craig Giffi, Vice Chairman of Deloitte Services - Manufacturing Trends
- Mike Weller, President of Miller Electric - The 80/20 Rule
- Steve Stich, Chief Risk Officer at Oshkosh Corporation - Risk Mitigation
- Steve Van Remortel,Speaker, Chief Strategist & Talent Coach at SM Advisors - Stop Selling Vanilla Ice Cream: How to Differentiate Your Organization Through Strategy and Talent
- Secretary Reggie Newson of the Wisconsin Department of Workforce Development - Wisconsin Investment in Solving the Skills Shortage
- Scott Jansen of the Wisconsin Department of Workforce Development - Wisconsin Investment in Solving the Skills Shortage
Manufacturing First offers key note speaker presentations, manufacturing exhibits, booth talk (min-seminars), breakout sessions, lunch & networking, and a cocktail and networking reception to close out the day. The cost to attend is only $75 per ticket, which includes lunch. Learn more at our event website: www.manufacturingfirst.com.
About First Business Financial Services, Inc.
First Business Financial Services (Nasdaq:FBIZ) is a $1.3 billion Wisconsin-based bank holding company that specializes in focused financial solutions for businesses, key executives, and high net worth individuals through its operating companies. Its companies include: First Business Bank - Madison; First Business Bank - Milwaukee; First Business Bank - Northeast; First Business Trust & Investments; First Business Equipment Finance, LLC; and First Business Capital Corp. For additional information, visit www.firstbusiness.com or call (608) 238-8008.
The First Business Financial Services, Inc. logo is available at http://www.firstbusiness.com/logo
Jodie Johnson
VP Marketing
First Business


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Pass the Sea Salt, Please?
TIME Magazine wrote an article in which they announced 9 out of 10 Americans are eating too much salt. That's 90 percent! While current guidelines recommend the average serving to be 2,300 mg, just a teaspoon, per day, the CDC conducted a study where they found only 19% were actually meeting the standard. The amount of sodium drops even more to 1,500 mg for those who are at risk for heart disease. Why so much salt? Well, you may be surprised to hear that 80% of our salt intake comes not from the table top shaker but is already in our processed foods. Many companies are already pledging to their salt content like Sara Lee, Kraft and General Mills. The FDA is also planning on working with food companies to gradually lower the sodium levels of our diet.
What is UNH doing about all the salt? In case you hadn't noticed, last year they replaced the table salt shakers with fewer, big, black sea salt grinders. While this may have been an inconvenience to those who were always reaching for the table salt, UNH Dining was actually doing you a favor. Most of our food is already seasoned with enough salt as is, but the purpose of sea salt was that you will need less. Because it is less processed, it is more flavorful, thus you can achieve the same salty taste with less sodium! Thanks UNH!
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subset: commoncrawl


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The Lake Oswego Library is pleased to present the OCP Quartet on September 2, 7:00-8:30pm. The OCP Quartet was formed by members of the Oregon Chamber Players in 2002 out of necessity after countless requests from people wanting a string quartet to play at concerts, weddings, corporate parties and other special events.
Local favorite Steve Hale will perform guitar and sing original blues, folk and rock, October 7, 7:00-8:30 pm. An Oregon native, Steve Hale has been a singer, songwriter and producer in the Northwest for over 30 years.
Come and enjoy a wonderful evening of good company, piano and bass with Sally Harmon and Frank Gruner at the Lake Oswego Public Library, November 4, 7:00-8:30pm. They will play a full set of old and new favorites from musicals to classical and pop for this special fall concert.


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The leading supplier of security systems
across Northampton
Established in 1994, Law Security Systems operate across Northampton offering you a complete security system service. Our customer base is diverse, ranging from large PLCs through to local authorities, family owned businesses and the domestic user. We can offer maintenance packages to provide 24 hour a day, 7 day a week security to your business, operating 365 days a year so you can be assured we will always be there for you.
Take a look at our customer care plan for security systems
We are constantly reviewing our customer care plan because we believe the strength of our company lies in the satisfaction of our customers. We strive to provide satisfaction in all areas of contact with our customers. At Law Security Systems we use only the highest quality equipment available at competitive prices which we believe offers our customers a quality installation at a fair price, coupled with a comprehensive after care service.
Law Security Systems offer a range of products including:
25 years of experience - meet the experts
Law Security Systems is a family run company based in Northampton. We have a strong management team and have over 25 years of experience so you can be assured your security system will be safely and efficiently installed and maintained. We believe that the high quality of the workmanship, products and customer satisfaction have been the main factor of our success. We have implemented a formal quality system based on meeting the requirements to reflect the new International Standards ISO 9001:2008.
For a reliable company offering the best in security and safety,
call 01604 218 801
Kingsley House, 106 Milton Street, Kingsley, Northampton NN2 7JF Call: 01604 218 801


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About ADAA / FAQ / Press Room / Donate
Support Groups
Search below for a support group near you, or learn how to start a support group. ADAA does not have listings in every U.S. state or Canadian province or territory but does have listings in Australia, South Africa, and for groups run online or by phone.
|Nova Anxiety and Panic Disorders Group
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A defensive investing strategy for any market
Just as defense wins championships in sports, taking control of your portfolio risk is important.
Instead, controlling risk is the practice of smart money investing, while assuming unnecessary risk is something left to the smaller unwitting investor. For example, I have seen many small investors bet the farm on a very speculative play. I have seen them go all in at market tops, and I have seen them sell it all at market bottoms.
My experience tells me this will almost always be true -- investors who are less educated about the underpinnings of the economy and market cycles will always lag behind others, but over time those lessons can be learned and steps to prevent recurrences can actually result in quite handsome profits.
I will be more specific as I continue, but the most obvious best decisions over the past 12 years was to sell everything when the Internet bubble was peaking in 2000. Then buy everything back when they were capitulating late in 2002, sell again at the end of 2007, and buyback aggressively again at the beginning of 2009.
Most investors were not so lucky, most investors also have tremendous amounts of trouble making these important decisions at those relative peaks. But for those who were able to stir up the courage, those relative peaks and valleys could have made these sideways years quite profitable.
Of course, we all know someone who for one reason or the other was not invested near relative market peaks and who had the money to buy stocks when the market capitulated, and he boasts about his returns enough to make us all jealous sometimes, but those persons should consider themselves lucky because most people have not earned a dime over the past 12 years. The S&P 500 is basically flat from where it was in 2000.
With that said, selling everything and then going all in and then repeating this practice is aggressive by nature. It involves a high degree of risk, and although some people hit the nail on the head, it is not easy to do. If it were easy to do we all would be professional investors. What is easy to do is an alternative approach that I developed about eight years ago.
In February, 2002, I notified my clients that an incredible buying opportunity was coming, and with the integration of our technical tools we pinpointed the bottom that occurred in October, 2002, within four points. I followed that up late in 2006 with a warning that the top of the economic and market cycle was coming; that report was called Top of The Market to You.
Around that same time I introduced a strategy that I called our swing trading alerts strategy. It is a simple strategy design to trade the technical channels of the NASDAQ with the ETFs associated with it (we started with correlated stock selection).
When the market offers buy signals we buy QLD (QLD), an ETF that should return twice the daily performance of the NASDAQ-100 Index. When the market offers sell signals we buy QID (QID), an ETF that should return twice the inverse of the daily performance of the Dow Jones Industrial Average. And when the market flounders we are often in cash. The strategy is not perfect, but it can work in both up markets and down markets and it has integrated risk controls.
Although we all like the idea of buying near the bottom and selling near the top, it is often hard to pinpoint these turning points and therefore smart money would rather adopt a strategy that can work regardless of market direction. Furthermore, that strategy must include defined risk controls and follow a strict set of rules, and I believe our swing trading strategy does exactly that.
As an alternative for people who might be wondering which way this market will go, and even though I believe the direction will be down in a violent way over time, the swing trading strategy can work if the market increases, if it declines, and no matter what happens to the economy. It is by nature defensive because it has integrated risk controls, and its performance versus the S&P 500 proves once again that defense wins championships.
If you are interested in the performance worksheet we have it on our Website. The rules associated with the strategy are available upon request.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
As geopolitical tensions threaten to spin out of control, investors are wondering how best to position their portfolios for the global turmoil.
Top Stocks provides analysis about the most noteworthy stocks in the market each day, combining some of the best content from around the MSN Money site and the rest of the Web.
Contributors include professional investors and journalists affiliated with MSN Money.
Follow us on Twitter @topstocksmsn.


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DivXToDVD Converter 1.99.22
on 27 October 2005 , reviewed by: Anyone
miss dilnaz
the most fastest program i have ever come across, it can turn a 2hr film in to full dvd format in under 1hr.then burn it , and play it on any machine.
does anyone know which company wrote this software. 10/10 not 5
would be even better if it could add more files (batch) to be done as one dvd .
VSO develops this program.
DivXToDVD Converter 1.99.13
on 07 September 2005 , reviewed by: alfred
it seems good
DivXToDVD Converter 0.5.2b
on 08 July 2005 , reviewed by: Anonymus
any 1 help i keep tyring to use this program but keeps freezing my pc same as any other program 4 converting.can any 1 put any light on this or had same problem.but have now sorted it out 2 convert
DivXToDVD Converter 0.5.2b
on 02 July 2005 , reviewed by: Owen
Free, and does the job very nicely :-)
I've downloaded a lot of AVI torrents, and converted them to video DVDs with program.
Good bless those paranoid developers who wish to remain anonymous :-)
DivXToDVD Converter 0.5.2.99
on 28 March 2005 , reviewed by: Teq
Is the latest one still free?
DivXToDVD Converter 0.4.5
on 29 January 2005 , reviewed by: User
Where are you getting your builds from? These builds are coming out way before the official one from the company. For example the latest from them is 0.4.2. After that there was 0.4.3 which IIRC was only available here.
Now your saying there have been two more releases since then?
Just fyi the people who make DivxtoDVD say that the builds that come from here are not official and not download them. I've had good luck with software from your site so I obviously have no problem with it. How you are that far ahead of the companies releases is the real question.
DivXToDVD Converter 0.4.3.73
on 27 January 2005 , reviewed by: Tyler W. Cox
Works like a charm. Fastest DVD encoder I've found, Just point it at your files and in short order you've got a Video_ts folder full of goodies. It's only drawback is that it's not too tolerant of flawed vido files.
Tyler W. Cox
http://www .decieve .us
DivXToDVD 0.4.0.67
on 20 January 2005 , reviewed by: just29
The new version Divxtodvd 0.40 doesn't keep the original aspect ratio. It always encode to 4:3 even we force to 16:9.
DivXToDVD 0.4.0.67
on 14 January 2005 , reviewed by: cemego
My only experience with this software has not been good. It seems that when there is a bad portion of the DIVX file which is normally playable, DIVX to DVD will stop encoding and leave the rest of the video file uncoded losing the last few minutes of the file. Some DIVX file repair application is necessary to make sure the file is completely error free so this application can actually function as advertised. Anyone else notice this problem? VSO's forum on this has an ongoing discussion on this issue.
DivXToDVD 0.3.1
on 02 January 2005 , reviewed by: none
Neat. But I'll bet my life that its using standard Open Source software under the hood. It will be interesting to see if they disclose what software this is built on and make the proper source code available.
DivXToDVD 0.3
on 16 December 2004 , reviewed by: miss dilnaz
the most fastest program i have ever come across, it can turn a 2hr film in to full dvd format in under 1hr.then burn it , and play it on any machine.
does anyone know which company wrote this software. 10/10 not 5
would be even better if it could add more files (batch) to be done as one dvd .
DivXToDVD 0.3
on 15 December 2004 , reviewed by: Anyone
How about adding support for Subtitles.
*.Sub *.srt and so on?


text:
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1 bed, 1 full bath. Beautiful 1BR, 1BA open and bright first floor condo. Upgraded throughout. Stainless steel applianc


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A former Army Ranger was sentenced Monday to 28 years in prison for killing a fellow Ranger in the Gaithersburg apartment they shared.
Gary Smith, 29, was convicted last month by a Montgomery County Circuit Court jury of involuntary manslaughter and a handgun charge in the 2006 death of 22-year-old Michael McQueen.
McQueen was fatally shot in the head after the two had been out drinking.
"Twenty-eight years in prison is a long time for this defendant to think about the pain and heartache caused the McQueen family and to think about his actions in and out of jail," said John J. McCarthy, State's Attorney for Montgomery County.
In 2008, Smith was convicted of depraved-heart second-degree murder -- a killing committed while acting in "extreme disregard" for human life -- as well as a weapons charge and was sentenced to 35 years in prison.
But the Maryland Court of Appeals overturned those convictions in 2011, because the jurors were not allowed to hear a witness' testimony that suggested McQueen was in a depressed state of mind when he died. Smith's attorneys said McQueen might have killed himself.


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Browsing all posts tagged with pop-up.
Comments Off
VH1 Pop-Up Video Returns
Tuesday, October 4th, 2011
VH1 has brought back one of my favorite past-times….doing absolutely nothing but staying glued to the TV screen waiting for the next useless piece of pop-up information! If you missed the return of the show, not only does it return in style, but now you can create your own pop-up video! Checkout VH1's new site […]


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The MTA and Gov. Andrew Cuomo announced that the A train subway will run its route all the way to the Rockaways starting May 30, seven months after Superstorm Sandy washed away the track support bed, leaving tracks hanging in midair. Crews rebuilt the entire bed.
"Superstorm Sandy devastated the entire MTA network like no other storm, but the MTA did a remarkable job of restoring service following the storm and at the end of this month, the A line in the Rockaways will be up and running," Cuomo said. "The last six months have meant substantial cleanup and repair, leading to the rapid restoration of full service in all but the hardest-hit facilities."
Crews rebuilt 1,500 feet of washed-out tracks, replaced miles of signal, power and communications wires, and rehabilitate two stations that were completely flooded.
Also, the $600 million South Ferry station, 30 feet below ground level, was flooded during the storm and is still not fully repaired. But its entrance and the old South Ferry station, 25 feet higher up, became operational again April 3.
The MTA displayed some of the damaged equipment. One MTA worker said this was the worst he had seen in his 30 years of repairing stations.
Hurricane season begins June 1. The MTA said that if another Sandy hits New York City it will have to depend on old method -- sandbags and plywood -- to cover the 540 entrances for the subway system in Lower Manhattan.
MTA officials told reporters the plywood and and bags worked, but not completely. He showed new possible covers for subway entrances, including foam-covered roll-out screens for when the next big hurricane system hits. These are possibilities for 2014 being checked now.
The MTA has set up a Sandy Recovery and Resiliency Division to manage rebuilding from Sandy, which will require years of construction and oversight of billions of dollars in federal aid.
KTTV FOX 111999 S. Bundy Dr.Los Angeles CA 90025Main: (310) 584-2000News Tips? (310) 584-2025


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Twilight Chatroom
A Twilight Saga Fan Fiction Comedy
This is a Twilight Saga Fan Fiction that is all in the form of a chatroom. It is meant to be a comedy.
Author's Note: If this is not funny, I'm sorry about that. Comedies aren't something I normally do and this is just something I am doing because I am bored and have nothing better to do with my time xD Thank you for reading. Leave a comment if you would like.
P.S. - Due to the fact that this is just a result of me being bored, updates will not happen all the time. I will more so be focused on school and my two fan fictions A Twilight's Heat and Hot Winter, Cold Summer. Both of them are posted on TTS so if you don't mind, take a look at them and leave a comment :)
- Dajah
Twilight Chatroom
[PixiePrincess has joined chat]
[Dr.Cullen has joined chat]
[MammaCullen has joined chat]
[JazzieJ has joined chat]
[Eddie has joined chat]
PixiePrincess: Hey guys! Where is everyone else?
Eddie: Trying to figure out what you made their user names… why are we doing this? We all live in the same house.
PixiePrincess: Because it's fun!
JazzieJ: Well you could have told us what our user names are, babe.
Dr.Cullen: Mine was pretty simple.
[BabyBell joined chat]
PixiePrincess: Bella! You figured it out!
BabyBell: Yeah. It was easier than I thought…
Eddie: Why did my name have to be Eddie? You know I hate Eddie…
MammaCullen: Just go with it, Honey.
Dr.Cullen: I have things to do. See you all after work.
[Dr.Cullen has left chat]
MammaCullen: I'm getting offline, too.
[MammaCullen has left chat]
[EmmyEm has joined chat]
Eddie: EmmyEm?
PixiePrincess: I thought it was cool.
[EmmyEm has left chat]
BabyBell: Is there a point to this?
[SmallestCullen has joined chat]
Eddie: Is that…
SmallestCullen: Really! My name is smallest Cullen!
PixiePrincess: Relax. It's not like it's a lie.
[FamilyDog has joined chat]
FamilyDog: I hate you all.
JazzieJ: Hahahahahahahaha!!!!
BabyBell: I'm sorry Jake but that is funny! XD
Eddie: We all hate you too, Jacob.
SmallestCullen: I don't hate him!
PixiePrincess: Where's Rose?
Eddie: She can't think of her user name.
PixiePrincess: Really? It's not that hard…
FamilyDog: I know what I would have given her has a user name…
[Barbie has joined chat]
FamilyDog: YES! XD
Barbie: Shut up, dog!
FamilyDog: I may be a dog but at least I'm not a toy.
JazzieJ: Ohhhhhhhhhhhh! He told you!
FamilyDog: Wanna hear a blonde joke?
Barbie: No
FamilyDog: There were three girls on a drive… a red head, a brunette, and a blonde. They each brought one thing with them on the drive…
Eddie: I have heard this one before.
JazzieJ: I haven't.
BabyBell: I haven't either.
PixiePrincess: WHAT DID THEY BRING!?!?
SmallestCullen: Oh gosh…
Barbie: Shut up…
FamilyDog: The red head brought a bottle of water so that if she's thirsty, she can get a drink. The brunette brought a cell phone so that if something happens, she can call for help…
Barbie: If you finish this joke, I will end you.
FamilyDog: And the blonde brought a car door! So that if she's hot she can roll the window down!
JazzieJ: ROFL!
BabyBell: Jazz… you are blonde, too.
JazzieJ: Oh yeah…
Barbie: I told you to shut up!
[Barbie has left chat]
PixiePrincess: Jake, might wanna run now.
FamilyDog: I don't need to run. I'm not scared of some oversized Barbie doll who jdsoih8fdahthiy8fehu8adhueihjot49q08u29qijfojhro\
SmallestCullen: Jake!
[FamilyDog has left chat]
[SmallestCullen has left chat]
[BabyBell has left chat]
[Eddie has left chat]
PixiePrincess: I told him to run…
[PixiePrincess has left chat]
JazzieJ: ………everybody left me………
[JazzieJ has left chat]
Views: 46
oh lol. Jake and his jokes.
ROTFL..... ahahahaha i can't stop laughing :DDDDD jake really got it this time.. and i like the user names :)) "family dog" and "eddie" ahahahahaha
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The AJL Podcast brings you the best talks on Jewish literature and the Jewish library world, with respected experts and popular authors. Please check back periodically, as new lectures will be added to the series.
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Use the links on the left to select a category of interest or to use our index.
This paper focuses on the ongoing research being carried out by Rebecca Jefferson on the history of the Cairo Genizah manuscript collections. Since 2008, Jefferson has been examining letters and documents held in various libraries around the world to uncover the story behind the discovery of the Cairo Genizah. These archives have revealed fascinating tidbits about the main protagonists, Solomon Schechter, Elkan Nathan Adler and Adolf Neubauer, as well as the back story of a shadowy nobleman, Count Riamo d'Hulst. Jefferson will outline the discoveries so far, providing examples from previously unseen letters, and she will discuss the challenges of this research and the problems ahead. The recording starts with the session already in progress.
Presented by Rebecca Jefferson at the 2013 AJL Conference in Houston, TX.
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Suggest a PurchasePlease let us know your suggestions for materials not owned by the Library. Due to the volume of requests received, we cannot respond to you directly about your suggestion. We appreciate your input, even if we are unable to add the suggested title to the collection.
PLEASE NOTE: This is not a request form. You can request the item after it has been ordered, using the library catalog.
If the Library does not own an item, you can also request it through interlibrary loan, and we will try to borrow it for you from another library system.
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text: DSpace at IIT Bombay The DSpace digital repository system captures, stores, indexes, preserves, and distributes digital research material. http://dspace.library.iitb.ac.in:80/xmlui 2014-09-17T05:33:04Z 2014-09-17T05:33:04Z Banking Inclusion - A Leap Forward Clear Guidelines on Officially Valid Document Das, Ashish http://dspace.library.iitb.ac.in/jspui/handle/100/14420 2014-07-22T10:40:32Z 2014-07-22T00:00:00Z Banking Inclusion - A Leap Forward Clear Guidelines on Officially Valid Document Das, Ashish To reach the changes to the ears of the people for whom it is meant, this note is to picture some of the very recent regulations in force to open a bank account (Savings Account / Fixed Deposit Account). The regulations apply to (i) regular (i.e., full-KYC) bank account and (ii) Small (i.e., relaxed-KYC) account. An upcoming phrase- Officially Valid Document (OVD) is the buzz phrase which has now been clearly defined in the new regulation, eliminating earlier discretion allowed to banks. These regulations are yet to be internalised by the bankers and the public at large. This note highlights the salient features of these new regulations and their consequences towards the ease to use a bank for monetary transactions by common man in India. It also highlights the huge task for the banks to gather fresh OVD for all existing accounts where they have been opened under the earlier definition of OVD (using currently non-acceptable documents). 2014-07-22T00:00:00Z Synthesis and magnetothermal properties of a ferromagnetically coupled NiII–GdIII–NiII cluster† UPADHYAY, APOORVA KOMATIREDDY, NAVATHA ALBERTO, GHIRRI TUNA, FLORIANA LANGLEY, STUART K. SRIVASTAVA, ANANT K. SAÑUDO, E. CAROLINA MOUBARAKI, BOUJEMAA MURRAY, KEITH S. MCINNES, ERIC J. L. AFFRONTE, MARCO SHANMUGAM, MAHESWARAN http://dspace.library.iitb.ac.in/jspui/handle/100/14419 2013-12-12T07:26:28Z 2013-09-01T00:00:00Z Synthesis and magnetothermal properties of a ferromagnetically coupled NiII–GdIII–NiII cluster† UPADHYAY, APOORVA; KOMATIREDDY, NAVATHA; ALBERTO, GHIRRI; TUNA, FLORIANA; LANGLEY, STUART K.; SRIVASTAVA, ANANT K.; SAÑUDO, E. CAROLINA; MOUBARAKI, BOUJEMAA; MURRAY, KEITH S.; MCINNES, ERIC J. L.; AFFRONTE, MARCO; SHANMUGAM, MAHESWARAN A linear trimeric cluster of molecular formula [Ni2Gd(L(-))6](NO3) () (L(-) = (C14H12NO2) has been isolated with its structure determined via single crystal X-ray diffraction. Magnetic susceptibility measurements of show that the nickel and gadolinium ions are coupled ferromagnetically, with a ground total spin state (S) of 11/2. Best fit spin Hamiltonian parameters obtained for are J1(Ni-Gd) = +0.54 cm(-1), g = 2.01. EPR measurements confirm a low magnetic anisotropy (D = -0.135 cm(-1)) for . Heat capacity determination of the magnetocaloric effect (MCE) parameters for shows that the change in magnetic entropy (-ΔSm) achieves a maximum of 13.74 J kg(-1) K(-1) at 4.0 K, with the ferromagnetic coupling giving a rapid change in low applied fields, confirming the potential of Gd molecular derivatives as coolants at liquid helium temperature. 2013-09-01T00:00:00Z Banks Violating Prevention of Money-Laundering Act for Excluding the Excluded DAS, ASHISH http://dspace.library.iitb.ac.in/jspui/handle/100/14418 2013-11-27T09:02:38Z 2013-11-26T00:00:00Z Banks Violating Prevention of Money-Laundering Act for Excluding the Excluded DAS, ASHISH To facilitate banking for small clients, Reserve Bank of India (RBI), as early as 2005, introduced savings bank account not requiring maintenance of minimum balance in the account. For such accounts, the fee for non-maintenance of certain minimum balance was removed. These accounts were initially called basic banking 'no-frills' account and later rechristened as Basic Savings Bank Deposit Account. RBI during the same period also initiated the concept of Small Deposit Account wherein it introduced relaxed know your customer (KYC) norms. Later in 2010, the Government of India (GoI) brought in appropriate legislation to give more teeth to RBI's small deposit accounts. GoI called such accounts as 'Small Account' and it was introduced under the Prevention of Money-Laundering (PML) Act 2002. The PML Third Amendment Rules, 2010, empowered every citizen to open a bank account and carry out financial transactions using the banking channel. The novelty of such an account is that an individual desirous to have a bank account can simply walk into any bank branch with only a self-attested photograph and open such an account. Opening of such Small Accounts, in a bank branch, has been made as simple as walking into a Post Office for making a money order of, say, Rs. 3000. Despite well thought of initiatives of the government and RBI, foundations of which were laid more than 8 years back, and culminating in form of empowerment of millions of people in India (to facilitate social financial inclusion) through appropriate amendment of the PML Act as early as 2010, the present scenario is that there is an inherent repulsion by banks to cater to low net worth individuals in non-rural locations where the usage of banking service is more on natural demand basis unlike the rural model of a supply based induced structure. During the course of this study, it was overwhelming to learn that bankers at large (and thus practically every Indian to whom it matters more) do not know about the provision under legislation that a small savings bank deposit account can be opened in banks across India, without the requirement of any ID and/or address documentary proofs. This Report is based on a designed survey experiment, carried out involving more than 20 representative banks, to understand the state of access to basic banking facilities by the financially excluded. After assessing the demand and supply of basic banking facility and various aspects of the current impasse, the Report makes some recommendations to facilitate financial inclusion. 2013-11-26T00:00:00Z 'Interest' of Bank Depositors in Chaos Das, Ashish http://dspace.library.iitb.ac.in/jspui/handle/100/14417 2013-07-08T04:57:56Z 2013-07-02T00:00:00Z 'Interest' of Bank Depositors in Chaos Das, Ashish For Savings Bank (SB) deposits and Term deposits, amounting to Rs 60 lakh crore, though interest is computed on a per annum basis, Reserve Bank of India (RBI) has allowed banks to pay such interests to depositors only at quarterly or longer rests. Most of the banks are paying interest on the SB deposits at an interval of six months. In case of Term deposits, banks are usually paying interest at quarterly intervals. As against deposit products, for loans taken from the banks, the interest is computed monthly. In other words, if a borrower defers payment of interest by two months, the banks charge two months' interest on the delayed interest payment. RBI has deregulated rates of interest on Term deposits, SB deposits and loan accounts. However, RBI still regulates the interest application frequency on such products. While doing so, the regulator provides no rationale on why interest application frequencies on deposit accounts are different from those for loan accounts which is to the benefit of the banks and detrimental to the interest of the borrowers and, more so, depositors. RBI has a responsibility to prevent any bias or lack of standards/transparency in interest application frequency, which is detrimental to the interests of the depositors. In view of Section 35A of the BR Act, 1949, one would like to understand RBI's rationale for deferment of its decision, for over a decade, to bring parity across deposit and loan products offered by banks. Such a delayed decision, by RBI, is at an expense of more than Rs 200 crore of depositors' money every month. Another issue of significance is the tax deduction at source (TDS) on interest accrued on Term deposit accounts. It is highlighted that there is no harmony in the TDS procedure followed by banks on interest accrued, which has its impact on net returns. Within the present tax laws, this paper shows how procedures can be rationally harmonized in the interest of, not only the depositors but also, the exchequer and the banks. It is time that RBI comes out with meaningful responses on the vital question of interest application frequency raised as early as April 2007 and later again in 2011. While trying to ensure that the depositors' returns are protected, we initiate a discussion under the premise that banks are for-profit companies and have the privilege of a banking licence for a social (in addition to a commercial) cause. Through this paper we attempt to reiterate the depositor's concerns and highlight the skewed benefits that the bankers may be enjoying at the expense of the depositors. Furthermore, we show how additional interest income to the tune of Rs 600 crore can be generated annually in the country through effecting proper TDS procedures on accrued interest. 2013-07-02T00:00:00Z


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Teaz Me Opens in Westfield San Francisco
There's an amazing new tea bar and fusion cafe in the newly expanded 1.5 million-square-foot Westfield San Francisco Centre. Teaz Me has a large selection of creative tea mixes, and healthy food snacks.
Tami can't seem to get enough of this place! We've been back twice since they've opened, and she's fallen in love with Teaz Me's Sparkling Green Apple and Sparkling Cranberry Buzz drinks.
While you're at the new Westfield San Francisco Centre, don't forget to stop by the 338,550-square-foot Bloomingdale's, which is the largest on the West Coast.


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Name: SwiftDynamicThumbs
License: GPLv2 or later
Product info page: http://swiftthemes.com/swiftdynamicthumbs-plugin-to-generate-thumbnails-dynamically-when-needed/
By default WordPress generates images of all intermediate sizes registered by themes/plugins for every image uploaded,
flooding your uploads folder with images you will never be using. In most cases you need the images of all dimensions
only for the one set as featured image. This plugin prevents WordPress from generating thumbnails registered by themes
and plugins, and generates them dynamically when required.
Another important use of this plugin, the main reason why its developed is...
Different themes use different thumbnail sizes. When you switch to a new theme, WordPress just gives the image whose size
closely matches the size of the thumbnail being called without generating an image with the required dimensions. In most cases
the best match is the full size image, which adds lot of weight to your page and also makes it look awful.
There are plugins to rebuild thumbnails, but they do it for every image uploaded and again flooding your uploads folder.
Also these plugins timeout on a shared server if you have lot of images.


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Jammin' Divas: The "Melting Pot" Concert @ Cultural Center of Cape Cod
When: Fri Apr 26th
7:30 pm - 9:30 pm
Where: Cultural Center of Cape Cod | 307 Old Main Street | South Yarmouth
Jammin' Divas: The "Melting Pot" Concert
April 26, 7:30pm. $20, $18 for members. Three amazing musicians from all over the world. Aoife Clancy from Ireland is a much celebrated diva of Irish and contemporary Folk Music. As Mike Jackson of the Canberra Times wrote, "Her singing would melt packed ice with its warmth and richness." American Becky Chase, chosen Best Female Vocalist 5 times by the readers of the Providence Phoenix Best Music Poll, is "one of the most celebrated singer/songwriters to come out of the RI area." (Motif Magazine). "With her smoky voice and blues-laden guitar, [she's] a steamy cauldron of music, purveying the sort of countrified roots/folk rock that hits with a gritty, earthy edge." Victor D. Infante Worcester Telegram and Gazette. Kath Buckell is the Australian singer-songwriter who captivates audiences wherever she travels, seamlessly fusing folk, traditional Irish and country, and the exotic sounds of the Middle East. Don't miss this incredible concert! Call for reservations. Cultural Center of Cape Cod, 307 Old Main St., South Yarmouth. 508-394-7100. www.cultural-center.org Supported by the Yarmouth Tourism Fund.
See more events with tags: folk cultural center irish


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Sigma Chi
Founded in 1855, the fundamental purpose of Sigma Chi Fraternity is to promote the cultivation, maintenance, and accomplishment of the ideals of friendship, justice, and learning within our membership. We develop values based leaders committed to the betterment of character, campus, and community. While friends can have a profound impact on your college experience, Sigma Chi aspires to develop brotherhood--a deeper and more enduring type of friendship among its members.
Nickname: Sig, Sigma Chi
WKU Chapter: Zeta Mu
Founding Date: June 28, 1855
Original Charter at WKU: December 11, 1965
Color: Blue & Old Gold
Flower: White Rose
Mascot/Symbol: The White Cross
Philanthropy: Children's Miracle Network Hospitals & Huntsman Cancer Institute
Chapter Website:http://www.wkusigs.com/
National Website: http://www.sigmachi.org/


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An 18-year-old Murfreesboro woman was injured after losing control of her vehicle in Rutherford County early Tuesday morning.
The accident occurred around 12:40 a.m. on Burnt Knob Road at Leonard Hudson Road.
According to the Tennessee Highway Patrol, Rachel Hoilman was traveling north on Burnt Knob Road when she failed to negotiate a curve, ran off the road and struck a utility pole.
Hoilman was trapped and emergency crews had to extricate her from her 1992 Honda Accord.
She was flown via LifeFlight helicopter to Vanderbilt University Medical Center in Nashville where she was listed in stable condition Thursday morning.
Hoilman was the only person in the vehicle at the time of the accident.
441 Murfreesboro Road Nashville, TN 37210
Telephone: 615.369.7222
Fax: 615.369.7329
Email: email@example.com


text: Jenny McGraw, TSM [ Getting Ready for Riding Season, Bike Riding that is By Susan Moore June 1, 2013 You won't see me riding to Estes Park in brightly colored clothes. You won't even see me in the bike lane on county roads. I will be riding my friend Jenny's extra bike, a Cruiser, as we explore the bike trail starting near Ptarmigan Read More|Comment Category: Susan Moore's Blog Tags: Bike Riding Near Windsor, River Bluffs Open Space Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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SPOKANE, Wash. (AP) – Two Gonzaga University students are facing possible expulsion for pulling out a gun when someone tried to force his way into their on campus apartment.
KHQ-TV reports the student handbook says students may not have handguns on campus or university-owned property. University officials explain the policy is in place for student safety.
On Friday, a university discipline board decided to move forward with sanctions, including possible expulsion for the Oct. 24 incident involving a felon that the students say demanded money and was frustrated when he was turned down.
Dan McIntosh has a concealed weapons permit for the gun and did not know it was in violation of school policy at


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Club L
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Harem trousers by CLUB L. Wide elastic waistband. Two slant pockets at sides. Elasticated, crease cuffs.
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Adamson resigns as Sheridan's mayor
Jan 6, 2014
News-Register Staff
SHERIDAN — City Manager Frank Sheridan announced at Monday night's special city council meeting that Mayor Val Adamson has resigned the position.
"I got a New Years card from him and in it he said he was resigning as the mayor," Sheridan told the council. "It was dated Jan. 2."
Adamson, the owner of Adamson's Sheridan Funeral Home and Green Crest Memorial Park, and a longtime civic leader in the West Valley community, was due to serve through the end of this year.
The council could take no action, such as accepting Adamson's resignation, because the announcement came at a special meeting, according to City Attorney Walt Gowell.
A discussion of Adamson's decision and the possible selection of a new mayor will take place when the council holds its regular monthly meeting at 7 p.m. Tuesday, Jan. 21.
Council President Harry Cooley will serve as acting mayor. He could be appointed to fill out Adamson's term at the regular meeting.
"I regret his decision," Cooley said. "He's been an excellent mayor. I'm going to miss his guidance."
Adamson did not attend the meeting and could not be reached afterward.
See Friday's print edition for additional details.
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• Amity man reported missing (7367)
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• Who will be our next filbert expert? (1)


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Yoshimura Exhaust, Flat Slide Racing Carburetor.... More
Custom build less than 100 miles ago. CALL SALES 205 716 1269.... More
REDUCEDSuper clean never damaged easy to ride has cool tinted windshield and available saddlebags, excellent tires/paint/stripes and chrome.loaned it to a Bro in Laws girlfriend... More
1670cc, Charcoal Grey in Color, Excellent Condition, Please Call for Complete Details, 614-877-2277 ... More
YAMAHAS: 2001, 1999, 1994 Riva, 125cc, new tires, battery, etc, very good condition, low miles: 01 has 7,800 miles, 99 has 4,950 miles and... More
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YAMAHA: 1975 125 road bike, stored 35 years, very good condition, has not reached break-in period, 1,500 original miles, original license plate, $2,000. 313-532-8148,... More


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HOME NASCAR NASCAR Merchandise Gear NASCAR Merchandise Collectibles NASCAR Merchandise Collectibles Imagine that (22 items) Product ID: 1118531
Main Content
Order today, receive no later than
Order today, receive no later than
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Collect some race-way memorabilia, like the Jostens Phoenix International Raceway genuine track medallion. It comes in a clear holder and includes a seal of authentication.
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Merchandise Fanatics also liked:
Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Good long term joint repair
posted 5 years ago
The first time we used this porduct as recommended by our vet to help pur dog, Old Man, with joint pain due to arthritis. For some reason the vwt gave us the version of this product for horses (with dosage adjusted for dogs). The horse version is sour apple flaovered, but Old Man really like dit on his food! Subsequently we bought the dog version which the dogs USUALLY like, but sometimes ture of. After several weeks, there was noticable improvement in mobility. This product was a bit expense, but overall we were happy with it.
Pros: convenient container
Cons: a bit pricey
0 of 1 people found this review helpful.
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Participation in the Executive Forum is $1,600 and includes both the Executive Forum and the Leadership Celebration.
If you wish to apply for admission to the 2010 Executive Forum:
If you have any questions about the Executive Forum or the Leadership Celebration, please contact Associate Director of Summit & Events Anthony Bannon at 415-694-6516.
[1] http://www.surveymonkey.com/s/D7RTRHB
[2] http://www.surveymonkey.com/s/D7W26N2


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Another person on Eclipse production gets the boot.
Apparently, the editor put on the Eclipse film just got fired. This is the person who's worked with tri-quel director David Slade in post-production on other movies like 30 Days of Night and Hard Candy, but according to reports, Summit just wanted a stronger edit for Slade's material. It's being said that the new editor on the project, Nancy Richardson, better understands the emotion of the characters and really can balance the action into the movie. Keep in mind that Richardson worked with Twilight director Catherine Hardwicke on the first film in the Saga.
Concerned? Excited? Terrified of a delay?
please comment.
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Recently, I was approached to do a redesign of NochNoch.com. The site is a self-help, personal development blog written by a woman named Enoch Li.
Unlike other similar self-help blogs, Enoch doesn't write "how-to" advice. Her content reads more like a personal letter, or journal entry, describing her experiences and what she's learned. It was this aspect of her site that I decided the new design should showcase.
It sounds like a no-brainer, but the more experience I gain as a designer, the more I realize how important content-focused design is. It's easy to fill a page with decorations and graphics and make it "pop." It's much harder to cut down the distractions and fluff and really build the site from the content out.
I wanted NochNoch.com to embody that feeling of a personal letter. I wanted readers to enjoy handcrafted text that was set beautifully following typographic principles. Read the page "My Story" for the perfect example of what I was trying to capture. And hopefully did.
Trying to embody a handwritten letter or journal entry is great but this is the web, not a piece of paper. NochNoch.com has readers all over the world reading in multiple languages and on multiple devices.
Prior to the redesign, Enoch was maintaining separate sites for Chinese and English, each with its own mobile version being served to small-screen users. The new design integrates this all into one. Traditional Chinese and English are now on one site and the appropriate language is automatically served based on a user's computer settings (with the option to change by clicking a button in the footer).
Furthermore, the mobile versions have been abandoned in favor of a fully responsive design. Try resizing the browser window and you'll experience the site shrink, the font size adjust, and eventually the columns rearrange. This adaptive design is an elegant solution that allows every user to have a similiar experience whether they're on a big desktop monitor or tiny iPhone screen.
And the experience is really what is important here. From the carefully set text, to the colors, to the soft transitions when you hover over links, every design decision was made to capture and sustain the personality of the site.
It's for these reasons that this has been one of my favorite blog redesigns thus far. It was great working with Enoch. I'm grateful that she allowed me to experiment and the push the boundaries rather than settling for a "typical blog design."
I think it paid off.
Anonymous asked: Question: Are you a one- or two-space after the period kinda guy? I've always been a two-fer but only because that's what habit they forced on me as a kid. Now I'm hearing and agreeing with arguments for the one-er, but its a tough habit to break. Thoughts?
Here's a two part nerdy explanation, just because I love talking about this sort of thing.
Semantic Argument
Spacing between words or sentences or paragraphs or whatever is a presentational decision. It should be kept separate from content.
When you're typing and you hit the spacebar, you're adding in some content. A space counts as content. The size of that space, though, is a design decision. Just like the size of a letter is a design decision. By entering two spaces, you're actually adding more content with the aim of changing the presentation.
Obviously, this single instance isn't that big of a deal. But the issue of separation of content and style is a big one on the web (and digital communication) and it's a good habit to foster.
Even in something like Word, it's better to rely on its styling presets, rather than add content to your text to try to adjust the look.
For example, changing the setting to increase the size between lines is far more preferable than manually adding a hard return at the end of every line. Why? Because the hard return becomes part of the content. This makes it a bitch to change it in the future. If you want the presentation to be different, you end up having to go in and edit out a bunch of content. It makes the content less transferable too. Who knows how it'll look when you paste it into an email?
The same goes for spacing between letters, words, and sentences. Leave the style decisions separate from the content. Let a designer make them, or choose from software presets, or rely on the spacing defaults included in digital fonts. Don't muck up your beautifully written content.
Typographic Argument
From a typographic standpoint, extra space after a full stop is usually disruptive to the flow of text. A lot of the readability of text relies on consistent rhythm and flow, both vertically and horizontally.
Even if readers aren't conscious of this, it makes text less enjoyable to read and causes more eye strain when things disrupt this flow.
When you set an optimal measure (typically a paragraph width of 45 to 75 characters) the text naturally fills it in with an appropriate rhythm. A well designed font will have the proper sizes and spaces so that the text will look beautiful and be easy to read. Extra spacing between words – especially if it isn't consistent, like only adding in extra spacing after periods – disrupts this flow. It makes text more jarring and clunky and harder for a person's eyes to follow.
Typographers like to gauge the "color" of a body of text. If you look at text block from far away, or while squinting, well set text will kind of blur into a solid gray block with even "color" throughout. Random extra spacing disrupts this nice even color, causing ugly gaps that reader's eyes will stumble over.
So there you have it. Hope this helps explain things.
Introducing BaselineMe
Web designers, do you lay out your sites using a baseline grid? Do you love the sweet, sweet smell of vertical rhythm in the morning? Do you hate blog posts written to sound like marketing text?
So do I. I also hate having to open Photoshop just to make a one pixel wide image every time I want guides for my baseline grid. That's why I made BaselineMe.
BaselineMe is a little experimental web app that generates a vector image to use when establishing a typographic baseline grid.
How To Use It
Type set consistently on a baseline grid creates a beautiful vertical rhythm. Cue Bringhurst:
Space in typography is like time in music. It is infinitely divisible, but a few proportional intervals can be much more useful than a limitless choice of arbitrary quantities.
The metering of horizontal space is accomplished almost unconsciously in typography. You choose and prepare a font, and you choose a measure (the width of the column). When you set the type, the measure fills with the varied rhythm of repeating letter shapes, which are music to the eye.
Vertical space is metered in a different way. You must choose not only the overall measure – the depth of the column or page – but also a basical rhythmical unit. This unit is the leading, which is the distance from one baseline to the next.
When setting text with HTML and CSS, this rhythmical unit is determined by the
line-height property.
If you have a line-height of 24 pixels, you're going to want all vertical measurements to be multiples of 24 pixels. Therefore if you have headings, blockquotes, lists, or even images (including padding and margins) your text always ends up following the same cadence.
In order to check the math and ensure that the text is lining up properly, most designers create an image to use as a guide. Typically, this image has a width of 1px and a height of the line-height.
Then, they repeat the image vertically on the page using CSS. The declaration looks something like this:
background: url('img/line-height-guide.png') center top repeat;
And the result:
BaselineMe allows you to do the same thing, but you don't have to create the image. You can just use a URL in the CSS declaration.
If you have a line-height of 24px, just use this:
background: url('http://www.baselineme.com/24');
What about 16px? Bam:
background: url('http://www.baselineme.com/16');
Easy, peasy, lemon-squeezy.
And if you want to save the file for local use, you can paste the URL into your browser. Save the page as an SVG and you're all set.
For more details about setting type on a baseline grid, see this A List Apart article or this tutorial on Webdesign Tuts+.
To Any Programmers Out There
BaselineMe is a really simple application. Basically, it's just an SVG file with a little bit of PHP in it to grab the URL. Pretty cool, right?
Anyway, I'm sure the are better ways to do it and more options that would be useful to people. If anybody out there is interested in improving BaselineMe, please email me!
My new resume is up, thanks Will Moyer!
Em and ens
Use spaced en dashes – rather than em dashes or hyphens – to set off phrases.
Standard computer keyboards and typewriters include only one dash, but a normal font of roman or italic type includes as least three. These are the hyphen and two sizes of long dash: the en dash – which is one en (half an em, M/2) in width – and the em dash—which is one em (two ens) wide.
In typescript, a double hyphen (- -) is often used for a long dash. Double hyphens in a typeset document are a sure sign that the type was set by a typist, not a typographer. A typographer will use an em dash, three-quarter em, or en dash, depending on the contest or personal style. The em dash in the nineteenth-century standard, still prescribed in many editorial style books, but the em dash is too long for use with the best text faces. Like the oversized space between sentences, it belongs to the padded and corseted aesthetic of Victorian typography.
Used as a phrase marker – thus – the en dash is set with a normal word space either side.
Use the em dash to introduce speakers in narrative dialogue.
The em dash, following by a thin space (M/5) or word space, is the normal European method of marking dialogue, and it is much less fussy than quotation marks:
— So this is a French novel? she said.
— No, he said, it's Manitoban.
(via Robert Bringhust, The Elements of Typographic Style)
Pretty Text On Windows
Anybody using Windows is used to jagged edges when fonts reach a certain size. Since Vista a new text rendering engine has been included called DirectWrite. Unfortunately, it can't be enabled system wide (as far as I know) and it's up to individual apps to include DirectWrite support.
If you're a Firefox user, you can download the Firefox 4 beta and enable DirectWrite.
To turn it on, type 'about:config' in the address bar. Then, find the key named 'gfx.font_rendering.directwrite.enabled' and double click it to set it to 'true.'
Finally, you'll be able to browse a version of the web free of ugly fonts and Apple envy.
(Chrome and Safari don't support DirectWrite, but Safari still has the option to use Mac OSX rendering. DirectWrite is prettier than OSX rendering, in my opinion, but it's more video card intensive and results in some sluggishness on certain pages. Internet Explorer 9 will utilize DirectWrite by default. For more on type rendering read this.)


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TMF Bootcamp- Canada
The Money Finder Bootcamp Canada
|ON DEMAND get training when you want, where you want!
|Whereever YOU are!
*Save $100 when you buy Bootcamp with an auto-enroll into the CCS™ designation. Read the terms and conditions here.
Not Sure About it just yet???
Fill out our Opportunities Assessment and get your FREE Opportunities Report & Consult today! This program when delivered live was accredited for 6 CE Credits and an application will be submitted for CE credits upon completion of all Online Sessions in February!!!
Attend this online session and learn how to…
- Quickly gather debt and cash flow information pre-appointment
- Use my proprietary Cash Flow Management Process NO BUDGETING
- Find the funds to get your clients to retirement, and ensure they allocate the funds to insure themselves
- Build a plan, which will find hundreds of thousands of dollars per client and attract more just like them!
Still Unsure?? Why not watch this quick video from Stephanie.
Who should attend…
- Advisors who want to stand out from their peers
- Advisors who want their clients to tell everyone about their services!
- Advisors who want to increase referrals, grow their practice, and increase the value of client households
- Advisor who are willing to add NO MORE THAN 1 hour to the initial process, and 15 minutes to reviews in exchange for significantly higher profit per client and increased referrals
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Online Program includes…
- 8 hours of intense and interactive online training by the original Money Finder – Stephanie Holmes-Winton.
- A workbook covering all exercises and topics for this 8 hours of training, which includes over 5 modules,plus a sample plan for Real Life
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Click the button to view The Money Finder Bootcamp agenda. View FULL Agenda** Shipping in Canada $3.50 additional shipping costs may apply to books shipped outside of Canada.


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- Employment News
The Truth Behind What Employers Say And What They Really Mean
By EmploymentCrossing | Dated: 12-18-2013
By EmploymentCrossing | Dated: 12-18-2013
Many a time after an interview or when you are seeking a feedback after an interview, the employer or the recruiter says something and you are unsure about what the answer is? Is it an acceptance, an endorsement of your qualities or is it saying that they are still unsure about whether to employ you?
More often than not, when you are getting an offer of employment, it will be a simple straightforward message, oral or written, saying that you are employed, these are your terms and this is what you are expected to do. Anything beyond that and you can safely and unhappily, assume that the employer is indulging in polite linguistics and telling you that you are not wanted and would you please go search for a job someplace else.
So many job-seekers find themselves being told that you are overqualified for the job. If taken verbatim, it means that you have much more than the qualifications needed and the job should be logically yours. But the employer is really telling you that you are not needed here and that with your qualifications you should be looking for a better job.
Another statement that they often use to tell whether you have been selected is that other potential candidates are still being interviewed. This simply means that you are not their first or automatic choice and they are either waiting for approval from their first choice candidate or they are just buying time to see if they can get someone worthier.
"We'll call you back," is a certainty that they won't and that this job is as good as gone. If you ask them, when you can expect the call and should you enquire again. Ten times out of ten, they will respond with a, "no you don't call us, we'll call you," which is further confirmation that you should looking for a job elsewhere and not pin your hopes on this one.
"We'll keep you in our database," is another false assurance upon which you must not rely. There are thousands of other potential employees and your name is likely to get lost among them. The only good that it will do, is for the company, who can forward their data base for some gain or the other to other companies on the lookout for potential employees.
When the employer says, we are keeping you in mind for future opportunities, what he is really saying that you are not right for any openings currently and the moment you hang up the phone is the last time I am likely to remember who you are.
Employers sugarcoat their rejections because of three prime reasons, one that is the way they have been trained to talk that way, they don't want to hurt your feelings, considering that you must have been really looking forward to the job.
However and most importantly, an outright rejection will see a disappointed candidate demand answers and seek reasons for his rejection and he will make allegations of bias and prejudice and if the company is provoked into making irresponsible statements there could be legal complications.
It's up to you how you see this masquerade on part of the employers and recruiters? You can call it a straight faced lie, indirect truth, hurtful, manipulative or insensitive but the truth is that many job seekers don't take too kindly to outright rejection and employers indulge in this sort of language that masks their true intent and one should not take it to heart but move on and try to get that elusive job.
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Escaping reality be creating a fantasy world of my own.
The Voyage of Elwar SoranThe Voyage of Elwar Soran tells of the adventure a young wizard starts by presenting a wild idea to the Advisory Council of the Ramyn empire in the hopes of gain... read more
FailureIn a dark future, a man down on his luck sees an opportunity to save his life.
Guardian SpiritGuardian Spirit tells the story of an young elf who finds herself drawn to a conflict that threatens the well being of her entire race. Along the way she gains powers, friends and hopefully finds peace for herself.


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Paul Doiron, read by John Bedford Lloyd
Macmillan Audio
Game warden Mike Bowditch returns home one evening to find an alarming voice from the past on his answering machine: his father, Jack, a hard-drinking womanizer who makes his living poaching illegal game. An even more frightening call comes the next morning from the police: They are searching for the man who killed a beloved local cop the night before---and his father is their prime suspect. Jack has escaped from police custody, and only Mike believes that his tormented father might not be guilty.
Now, alienated from the woman he loves, shunned by colleagues who have no sympathy for the suspected cop killer, Mike must come to terms with his haunted past. He knows firsthand Jack's brutality, but is the man capable of murder? Desperate and alone, Mike strikes up an uneasy alliance with a retired warden pilot, and together the two men journey deep into the Maine wilderness in search of a runaway fugitive. There they meet a beautiful woman who claims to be Jack's mistress but who seems to be guarding a more dangerous secret. The only way for Mike to save his father now is to find the real killer---which could mean putting everyone he loves in the line of fire.The Poacher's Son is a sterling debut of literary suspense. Taut and engrossing, it represents the first in a series featuring Mike Bowditch.
Listen to this audiobook excerpt from Paul Doiron's mystery novel The Poacher's Son. Set in the wilds of Maine, this is an explosive tale of an estranged son thrust into the hunt for a murderous fugitive---his own father. Game warden Mike Bowditch returns home one evening to find an alarming voice from the past on his answering machine: his father, Jack, a hard-drinking womanizer who makes his living poaching illegal game.
"[Doiron's] first novel comes with stunning vistas of the dense forests and wild rivers that have impressed visitors to Maine ever since Benedict Arnold passed through on his march to Quebec in 1775. . . . The novel's eye-popping scenes, idyllic and otherwise, are conveyed by Doiron's narrator, Mike Boditch."—New York Times Book Review
"With precise and evocative prose, Paul Doiron weaves a riveting tale set deep in the wilderness that can be the tenuous bond between father and son. This is a compelling, moving, and utterly impressive debut!"---Andre Dubus III, author of House of Sand and Fog
"A gripping, original, and literate tale of love and loyalty, betrayal and redemption. You won't want to put it down."---John Lescroart, author of A Plague of Secrets
"The Poacher's Son is one of the best-written debut novels I've read in years. This story has it all---a great plot, a wonderful Maine woods setting, and a truly remarkable and believable cast of characters."---Nelson DeMille, author of The Gate House
"A fast-paced outdoor adventure filled with murder, betrayal, and a terrific sense of place. Welcome aboard, Mr. Doiron."---C. J. Box, Edgar Award--winning author of Blue Heaven
"The Poacher's Son is a haunting tale, and Paul Doiron is a powerful and evocative writer."---Tess Gerritsen, author of The Keepsake
"Paul Doiron is a spellbinding new storyteller whose literate, intelligent novel will have readers begging for more."---Julia Spencer-Fleming, Edgar finalist and author of I Shall Not Want
"Down East editor-in-chief Doiron takes a provocative look at the ties between fathers and sons, unconditional love, and Maine's changing landscape in his outstanding debut. . . . Fans of C.J. Box and Nevada Barr will appreciate the vivid wilderness scenes. Equally a story of relationships and an outdoor adventure, this evocative thriller is sure to put Doiron on several 2010 must-read lists."—Publishers Weekly (starred review)
"A Maine Game Warden [Mike Bowditch] fights to clear his no-account father of murder charges in this deeply felt actioner. . . . His decision leads to a series of disastrously self-destructive actions that Doiron makes perfectly credible, all interspersed with a series of flashbacks to Mike's childhood that are both tender and chilling. C.J. Box goes East. Like Box, Doiron will have his hands full trying to top his accomplished debut."—Kirkus Reviews (starred review)
"A richly imagined portrait of the vanishing wilderness in New England's farthest reaches, Doiron's well-written debut is also a taut thriller and thoughtful examination of the complicated relationship between father and son. Of a piece with Castle Freeman Jr.'s All That I Have about a Vermont sheriff, this will also appeal to fans of CJ Box's Wyoming game warden Joe Pickett."—Library Journal (starred review)
"Impressive. . . . The setting is wildly atmospheric, the pacing swift and the characters well drawn. The Poacher's Son is easily one of the best debut novels in recent memory."—BookPage
"[An]impressive debut . . . there are plenty of twists and surprises to keep the reader guessing until the very end."—Romantic Times (four stars)
"I've never been to Maine, but now I feel like I have. Twigs were cracking underneath my feet as I settled in to read this one. Doiron creates great scenery to surround an impressive debut. Well done, sir."—Library Journal "Book Cheer" column, editor's choice
"An outstanding gripping debut . . . Doiron skillfully melds an outdoor adventure with a personal story of families. The Poacher's Son moves at a brisk pace with unpredictable but realistic twists that reach a crescendo at the shocking finale. The Poacher's Son is proving to be one of the best debuts of the year. Doiron will likely be compared to C.J. Box and Nevada Barr."—Sun Sentinel
"Paul Doiron's debut novel explores the strange territory between fathers and sons with this tale of a game warden who refuses to believe that his ne'er-do-well father is guilty of a double murder. Doiron also paints an all-too-familiar picture of corporations profiting from destroying a way of life - this time, in the wilds of Maine. It's an engaging story, with a flawed hero whose childhood issues overwhelm his good judgment over and over again."—Charlotte Observer
"Debut novels often show weaknesses in characterization, in dialogue, in plotting. But Paul Doiron has written a seamless thriller in The Poacher's Son. . . . This is a debut novel that never takes a wrong turn."—I Love a Mystery newsletter
"I've never been one for the outdoorsy sub-genre, although I certainly understand the attraction of CJ Box and his ilk. Yet somehow Paul Doiron's debut novel The Poacher's Son transcends its setting, lending a bleak austerity to its milieu while simultaneously infusing its main character with Steinbeckian humanity. . . . The author, who devoured Sherlock Holmes as a kid and Raymond Carver and Tim O'Brian as a younger man, has managed to craft a novel that lies somewhere between the two, a crime novel that encompasses the full range of human emotion.'"—Bookslut.com
"The Poacher's Son is stocked with excitement and trepidation . . . pure nail-biting fun. Paul Doiron expertly takes hundreds of miles of largely uninhabited terrain and pares them down to a veritable base camp providing readers with easy access to both the thrill of the story and the breathtaking beauty of Maine's northern exposure. Loaded with unexpected twists, The Poacher's Son takes you to the edge and leaves you begging for more. . ."—BookBrowse
"Engaging . . . Doiron could do for Maine what the late Tony Hillerman did for the Southwest in his mysteries featuring Joe Leaphorn and Jim Chee . . . the author takes readers into 'the real Maine' from their armchairs."—Bangor Daily News
"Books like The Poacher's Son are not to be read but cherished. The Poacher's Son, Paul Doiron's debut novel, is pure, unadulterated literary suspense. Beautifully crafted and perfectly paced . . . Doiron's writing is exceptional . . . The Poacher's Son is a great read with a fantastic ending."—PopMatters
Paul Doiron, read by John Bedford Lloyd


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LOUISVILLE, Ky. (WHAS11) – It was a last ditch effort to save the heart of the Smoketown community.
A grassroots telethon with 8 volunteers armed with cell phones, phone lists and a lofty goal.
It was all inspired by the community center's history and its value to Smoketown residents of all ages.
Thomas Rucker grew up in the Presbyterian Community Center, when the Sheppard Square housing project was still standing.
"Basketball, football, just something to keep me active and keep me going in the right direction," he said.
As new mixed income housing goes in its place, advocates say the Presbyterian Community Center is needed much as ever.
"It prevents problems if they get to the youth early. It prevents health problems [and] it prevents some of the social problems," Kay Robertson said.
Rucker credits the center with giving him a safe place to learn positive skills. It's why he and many other parents were happy to have their kids call this a second home as well.
Local businessman Charlie Johnson and other business leaders are challenging at least 2,000 people in the community to donate $100 a piece.
It will close for good on Friday if the money doesn't come through but they do have plans to keep the Child Development Center open.
Click here for the official PCC website.
There's a place to make donations using Paypal at the bottom of the page. To donate over the phone, you are asked to call (502) 584 - 0201.


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philistine1Line breaks: phil¦is|tine
- I'm a bit of philistine when it comes to art; I don't have much time for it and art galleries make me feel sleepy.
- Of course, I guess it's possible that these books are all pretty well known to literate Americans and I'm just a philistine.
- Ignore the doom-mongers and philistines - it is both possible and desirable to rescue Venice from sinking into the sea.
adjectiveBack to top
- Beneath this undercurrent of grumbling is the philistine assumption that it is elitist or irrelevant to consider art which does not excite the mass market.
- And as yet another example of perhaps the only serious British contribution to 20th century architecture faces demolition, is there any other art form about which we could be so utterly, wilfully philistine?
- The policy is philistine, expensive and environmentally disastrous.
early 19th century: from Philistine, originally with reference to a confrontation between university students and townspeople in Jena, Germany, in the late 17th century; a sermon on the conflict quoted 'the Philistines are upon you' (Judges 16), which led to an association between the townspeople and those hostile to culture.
- More example sentences
- Their libertarianism was more aesthetic than political, an assertion of personal autonomy against repressive philistinism.
- When cultural studies denigrates literature as elitist, this is hard to distinguish from a long national tradition of bourgeois philistinism.
- She was also accused of philistinism, particularly because of a remark she made at a private dinner party, disloyally leaked by a fellow guest.
Definition of philistine in:
- The US English dictionary
- The English Synonyms
- The US English Synonyms
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Philistine2Line breaks: Phil¦is|tine
- The Canaanites suffered a series of setbacks in the late 2nd millennium bc with attacks from the sea peoples in the north while in the south they were displaced by the Israelites and the Philistines.
- Yet in the end, the sculpture works its magic; just as the biblical David defeated the ancient Philistines, his statue conquers the modern American philistines.
- When the Israelites asked for a king to lead them against the Philistines, Samuel warned them that he would become a tyrant.
The Philistines, from whom the country of Palestine took its name, were one of the Sea Peoples who, according to the Bible, came from Crete and settled the southern coastal plain of Canaan in the 12th century bc
Old English: from late Latin Philistinus from Greek Philistinos, from Hebrew pĕlištī: compare with Palestine. See also philistine.
Definition of philistine in:
- The US English dictionary
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Latest News
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Advice for potential sellers:
At this time we have many overseas interests looking for Caravans for sale in Australia. They are looking for good quality vans to travel our great country and then on sell after their journey.
You can be apart of helping them by contacting us and placing your Caravan on our web site in the "For Sale" section. These are genuine inquiries, although we cannot guarantee a sale for you, this is a great opportunity if you are looking to sell.
Welcome to Caravans Australia. We would like to introduce you to a better way of selling your caravan or related product to the world of caravan owners. I have no doubt this will benefit your sales through its exposure on our website.
It will carry many services in many ways through Rentals, Accessories, Advertising, Sales, Manufacturers, Repairers, Buy-Sell, emergency road side service. All this plus a lot of fun, including tips and story swapping along the way!
To contact Caravans Australia:
Email us: firstname.lastname@example.com
PO Box 3031
Frankston East
Victoria 3199
Phone: 0414 630 519
View site statistics


text:
Posted on 10/11/2012
Candace Brennan
Do you have a stream in your backyard or neighborhood? Would you love to learn about the animals that live there and the plants that grow there? We have a wondeful program for you! Please join us for a special learning experience in Stream Ecology presented by Forsyth County Cooperative Extension at Central Library. For more information, call 336-703-2850.
Stream Ecology
Saturday, October 20
11:00 am
Central Library Auditorium
presented by Forsyth County Cooperative Extension and your Library
660 West Fifth Street
Ground Floor
Winston-Salem, NC 27101
(336) 703-3080
3:00 - 8:00 Monday - Wednesday
3:00 - 6:00 Thursday & Friday
1:00 - 5:00 Saturday
Closed Sunday
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The Bentham Association (formerly the Bentham Club) continues to support the Faculty by awarding prizes for students. It also holds an annual presidential address and dinner for Laws Alumni. The president and speaker is always an eminent jurist.
The Bentham Club Scholarship marks the ongoing contribution of the UCL Laws Alumni community to Faculty life. It is a testament to the history of the Bentham Club, and to the strong links between UCL Laws alumni and current students.
The Bentham Club scholarship of £1000 is awarded to a second, third or fourth year LLB student as a contribution to living expenses. The student should have a good academic record, have made a contribution to the life of the Faculty, shown outstanding promise and be in financial need.If you wish to be considered for this scholarship please submit a personal statement explaining how you satisfy the above criteria and why you should be awarded this scholarship.
Submissions, addressed to the Faculty Tutor, should be made to Gemma Burridge in the Undergraduate Office by Friday 14 December 2012. A shortlist of eligible students will be forwarded to the Bentham Club Scholarship selection panel who will make the final decision.


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B&I Lions and their car counterparts
Jul 15,2013
Written by: SARugby.com Editor
The 2013 British and Irish Lions line-up has been matched to their equally impressive car counterparts. Motors.co.uk has paired each Lions team member with a car fit for a King.
The fifteen cars - one for each of the Lions - include some of the most impressive in the world, encompassing unrivalled speed and power to take these juggernauts of the rugby field safely to and from games.
Tags: International | British & Irish Lions |


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Botanical Name: Vaccinium corymbosum 'Chandler'; Family: Ericaceae
Height: 5-7'
Spacing: 5'
Depth: Plant at the same depth as in the container
Spread: 5-7'
Sun/Shade: Full sun
Pollinator: Self-pollinating
Yield: 2 lbs
Color: Snow white; sometimes tinged with pink, tiny bell shaped blooms
Foliage: Deep green to wine & orange shades in fall
Blooms: Mid-spring
Fruit: Deep sky-blue color; giant berries with excellent flavor
Form: Bush; slightly spreading
Flower Form: Bell-shaped blooms
Soil Requirements: Acid, moist, organic, well-drained. pH should be 4.5 to 5.5
Growth Rate: Moderate
Pruning: Prune before new growth begins in the spring. Prune off twiggy growth leaving main stems.
Size: 1/4"
Comments: World's largest blueberry. Produces berries the size of a quarter. Long ripening season ensures that you are able to enjoy these big delicisous berries for an even longer time period - over 6 weeks in the summer!
Unable to ship to: AE AK CA GA GU HI MI OR PR WA


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The Villages of Detroit hosted an annual celebration Sunday. The event was meant to showcase several neighborhoods including: Historic Indian Village, West Village, Islandview Village, East Village, Berry Subdivision, and the Gold Coast (riverfront) communities.]
Click on the video player to watch Robin Schwartz's report.
Participants were treated to tours of homes for sale. Housing styles include turn-of-the-century cottages, row houses, historic mansions and towering high-rises.
The community festival also included arts, crafts, children's activities, music, food and a pop up beer garden.
Click here for more information about the Villages of Detroit


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back when ds moved up to being a nursing toddler. I had plenty of support to breastfeed when he was a baby, but moved into unfamiliar territory when nursing him after a year. I'm so glad I followed my gut and kept going to 30 months. After dd was born it was just the norm and I didn't worry about continuing to nurse her while pregnant and wasn't even concerned about the thought tandem nursing. This had been such a blessing for me in the last few weeks. First, while still in the hospital, every time a new nurse came in after my boys had passed, she would get this worried look and start to gently suggest things I should be doing to suppress my milk coming in. I imagine that having milk come in is one of the hardest things most of the mothers who lost their baby/babies like I did deal with. I was able to tell the nurses that I was still nursing my two-year-old and was not worried about my milk. Then when it did come, I only had two days of slight engorgement and it's been smooth sailing since. It's been such a relief that I didn't have to deal with the emotional and physical pain and it's been helpful for dd to be able to still have that connection with me while we've been dealing with such an emotional experience.
This may be kind of a weird post, but I just had to express how grateful I am for the support I got here (and just by reading because I never really posted many questions). You ladies are THE BEST!


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Hereafter Photo Gallery
Oscar® winner Matt Damon stars in Hereafter, directed by Academy Award® winner Clint Eastwood from a screenplay by two time Oscar® nominee Peter Morgan. Hereafter tells the story of three people who are haunted by mortality in different ways. Damon stars as George, a blue-collar American who has a special connection to the afterlife. On the other side of the world, Marie (Cécile de France), a French journalist, has a near-death experience that shakes her reality. And when Marcus (Frankie/George McLaren), a London schoolboy, loses the person closest to him, he desperately needs answers. View photos…
Roll your mouse over the left and right-hand sides of the image and then click to view more pictures.
Read our interview with Cécile de France
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Business Conditions Digest
Business Conditions Digest (continues Business Cycle Developments) is a monthly publication of economic time series covering such data as construction contracts and orders, new building permits, employment rates, and price indices in convenient and easy-to-interpret graphical format showing peaks, troughs, and recessions. The publication is a product of the U.S. Department of Commerce. This publication was discontinued with the March 1990 issue, with business cycle indicators to be included in a new section of the Survey of Current Business, beginning with the April 1990 issue.
1968 to 1990
Diffusion Indexes
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November 1968-December 1969 (27.8M)
January 1970-December 1974 (118.9M)
January 1975-August 1979 (66.3M)
June 1981-December 1984 (28.5M)
June 1985-December 1989 (31.6M)


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Find a Botswana campground or rv park for your wilderness retreat and weekend getaway. Enjoy the outdoors and pitch a tent at one of our campsites, or park your motorhome at one of our Botswana RV parks in key>. Camping is great for family vacations, traveling on a budget, and getting back in touch with nature. Browse our campgrounds and plan your Botswana camping trip today!
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Gaborone, Botswana Hotels & Resorts - The Gaborone Sun Hotel and Casino in Botswana is where the white-hot Kalahari Desert meets the wild Okavango River delta in an explosion of green that
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Maun, Botswana Wildlife & Safari Tours - Explore the largest inland Delta in the world. All inclusive Safari experience with your own guide for 4 days in the heart of Botswana's Okavango Delta close to Chief's Island. Fly-in or self-drive as trips depart from Maun the tourist capital.
GRAINAU, Botswana Sight-Seeing Tours - Our classic Botswana Guided Self-Drive Safari allows you to experience the dramatic wilderness of Botswana while staying at ideally located safari destinations. Camping or Lodge according to suite each one's budget
Botswana, Botswana Articles - Described as "the jewel" of the Kalahari, the Okavango Delta is a tranquil and isolated oasis set in Botswana's harsh and arid desert.
Botswana, Botswana Articles - The Moremi Game Reserve and its surrounds is the focal point for safaris in the Okavango and includes habitats from both the permanently and seasonally flooded zones.
Botswana, Botswana Articles - Chobe National Park, named after the Chobe River on its northern boundary is home to an exciting variety of large mammals and over 450 bird species.
Botswana, Botswana Articles - Derived from the Tswana word "Kgalagadi", Meaning "the great thirst", the Kalahari is one of the world's most extensive mantles of sand that extends south into South Africa, west into Namibia and north into Angola and Zambia.


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Men's adidas Crazy Light 2
The adidas Crazy Light 2 Men's Basketball Shoes weigh just 9.5 ounces, making them the lightest basketball shoe currently on the market. Yeah, seriously. We'll pause for a minute to let that sink in?
Aaaaaand, we're back. These incredible lightweight shoes feature an enlarged asymmetrical SPRINTFRAME for superior motion control. It's flexible for optimal movement, but also ensures your feet and ankles stay aligned. You'll also feel the support with more volume in the EVA-cushioned midsole, and the three-layer SPRINTWEB gives you more strength.
These shoes are great at absorbing shock when you're running up and down the hardwood. Plus, the multilevel pattern of high-traction rubber compound increases surface area and limits dust buildup. They're also miCoach compatible.
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