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The other three charges focus on the modems. Childs has stated that the modem presented in count 2 was connected to a computer running What's Up Gold and was used to page him on his city-issued pager when a problem was detected. At the risk of stating the obvious, nearly every single network in existence has a setup similar to this, whether it's a physical modem or an e-mail-to-SMS gateway or something similar. This is as common to network administration as routers and switches.
The second modem, or count 3, was a DSL modem connected to an ISP. Childs has stated that this modem predates his employment with the city. He inherited this modem, and it was used to test VPN connections and any number of other resources. Again, this is an extremely common scenario, found in networks all over the world. Childs states that this circuit was not connected to the FiberWAN.
The third modem, or count 4, is slightly murkier, but not significantly so. Childs states that this modem was used to communicate with the city's disaster recovery site located on the other side of the country. As you might expect for a large city sitting on a seismic fault line, San Francisco operates an emergency datacenter on the East Coast. According to Childs, this last modem was used to communicate with that site, with the assumption that the data networks would be down but analog communications might still be viable. This isn't as common a usage, but is in no way odd or otherwise questionable.
Childs' explanations for his actions that led to Counts 2, 3, and 4 are backed up by his former assistant, Glacier Ybanez, who has also stated that the modems referenced in counts 3 and 4 were used for exactly the purposes stated by Childs. That leaves the What's Up Gold modem, which is a nonissue to anyone with an inkling of experience in networking.
These are the charges that the San Francisco DA has brought against Childs. Everything else -- the claims of sabotage, the network diagrams found at his house, etc, are now nonexistent, legally speaking. If Childs is convicted of one or more crimes, they will be related to these four charges.
If Childs is convicted, it's not a stretch to think that this precedent will carry over to other cases. Say you're a network administrator and someone wants to get you fired. All they have to do is point out that you have a modem or two, and suddenly you're wearing pinstripes of the jailhouse variety.
In fact, if Childs is convicted of the first count for withholding passwords, it could be argued that if any network administrator fat-fingers an AAA (authentication, authorization, and accounting) configuration in a router, rendering it inaccessible for management but otherwise functioning normally, that admin has committed the same crime, albeit through negligence. Of course, you could push that too and argue about the admin's state of mind at the time.
Similarly, if Childs is convicted on the modem charges, then just about every network administrator in the world could be charged with the same "crime." You might as well start arresting carpenters for carrying hammers and saws because they could be used as weapons.
If nothing else about this case worries you, that should. As Bruce Schneier said in a recent interview with IDG News Service reporter Robert McMillan, "A lot of stuff sys admins do is based on trust; the difference between someone in your house who is a burglar and a cleaning person is trust."

subset: commoncrawl


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Skin Care: A Primer on Summer Skin Repair (cont.)
If you must continue to use a repellent into the later days of summer or even early fall, Shupack tells WebMD a heavy duty unscented moisturizer should be applied first, to coat the skin and form a barrier between you and the repellant. In addition, Shupack says wear insect repellent only as long as you have to, showering it off as soon as you are back indoors, and putting on clean clothes that haven't been in contact with the offending chemicals.
In a similar scenario, Shupack tells WebMD that skin can also become irritated, red, and inflamed by chemicals found in sunscreen. When this is the case, he says, stop using the sunscreen immediately, but don't stop protecting your skin.
"People seem to forget that clothing is one of the best sunscreens you can have, so just make sure to cover up when you go outdoors, particularly if your skin it's already irritated or inflamed, and use plenty of unscented moisturizer," says Shupack.
Facing Fall With Great Skin
While for many of us repairing our overstressed body complexion is the biggest seasonal challenge, for others it's the skin on our face that's in need of the most help. Indeed, doctors say that by summer's end they see an increase in not only a darkening of freckles, sunspots, and melasma, (a pigmentation "mask" across cheeks and nose) but also more acne breakouts.
"Generally the sun is good for acne, but if you get too much it can exacerbate breakouts," says dermatologist Vicki Rapaport, MD, a dermatologist and medical director of the skin care boutique Kelologie in Beverly Hills. When acne is caused by too much sun exposure, she says simply staying out of direct sunlight should help skin clear up.
"What you don't want to do is use any harsh acne treatments, or harsh peels, particularly if your skin is also inflamed or dry from the summer elements," says Rapaport.
To cope with very dark freckles and age spots, Rapaport tells WebMD prescription skin lighteners like TriLuma work best. Otherwise, she says, simply staying out of the sun and using a sunscreen every time you go outdoors will do the trick.
"Often, this will help sun-induced freckles and some discolorations to fade on their own," says Rapaport.
Like the body, the skin on your face can also quickly dehydrate in summer, leaving your skin looking not just dry, but also more wrinkled and older. While experts say this causes many women to turn to face peels at summer's end, this could be a big mistake.
"After summer, many women they think they can just strip their skin and start fresh. But after all the environmental assaults of the summer season, a face peel is much too harsh and can open you up for many more problems," says Ortega.
The best course of treatment, she says, is to steam the skin lightly, then use a gentle exfoliating product (like a mild alpha- or beta-hydroxy acid or a sugar scrub) followed by a hydrating facial, particularly one containing collagen. As a final step, she says skip the creams and lotions and slather on a skin serum designed to rehydrate cells.
"Serums generally absorb faster and penetrate deeper than a cream or lotion, so they're best if your skin is really in need of moisture," says Ortega.
If your face or body has sustained any serious sun damage, particularly a sunburn, Asquith says products containing vitamin C, particularly serums, can help overcome some of the damage to your cells. Studies show that this, in turn, may also help reduce your risk of skin cancer later in life.
In addition, if your skin has suffered a sunburn, research shows that properties found in green tea may also help neutralize some of the damage as well as help your damaged skin heal more quickly.
Originally published Aug. 11, 2004.
SOURCES: Karen Asquith, director of aesthetic training, G.M. Collin, Paris. Barbara Shumann-Ortega, skin care expert, educator; vice-president, Wilma Schumann Skin Care, Coral Gables, Fla. Jerome Shupack, MD, professor of dermatology, NYU School of Medicine, New York. Vicki Rapaport, MD, dermatologist, medical director of Kelologie, Beverly Hills, Calif.
©2004-2005 WebMD Inc. All rights reserved.


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Laboratory Corporation Of America Holdings (LH) Falling In After-Hours Activity
- LH has an average dollar-volume (as measured by average daily share volume multiplied by share price) of $86.1 million.
- LH is down 3.7% today from today's close.
EXCLUSIVE OFFER: Get the inside scoop on opportunities in LH with the Ticky from Trade-Ideas. See the FREE profile for LH NOW at Trade-Ideas More details on LH: Laboratory Corporation of America Holdings operates as an independent clinical laboratory company worldwide. LH has a PE ratio of 16.4. Currently there are 3 analysts that rate Laboratory Corporation of America Holdings a buy, 2 analysts rate it a sell, and 12 rate it a hold. The average volume for Laboratory Corporation of America Holdings has been 688,300 shares per day over the past 30 days. Laboratory Corporation of America has a market cap of $8.7 billion and is part of the health care sector and health services industry. The stock has a beta of 0.83 and a short float of 9.2% with 10.00 days to cover. Shares are up 15.8% year-to-date as of the close of trading on Monday. STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more. TheStreetRatings.com Analysis: TheStreet Quant Ratings rates Laboratory Corporation of America Holdings as a buy. The company's strengths can be seen in multiple areas, such as its growth in earnings per share, revenue growth, notable return on equity, increase in stock price during the past year and good cash flow from operations. We feel these strengths outweigh the fact that the company has had generally high debt management risk by most measures that we evaluated. Highlights from the ratings report include:
- LABORATORY CP OF AMER HLDGS has improved earnings per share by 6.5% in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past two years. We feel that this trend should continue. During the past fiscal year, LABORATORY CP OF AMER HLDGS increased its bottom line by earning $5.98 versus $5.08 in the prior year. This year, the market expects an improvement in earnings ($7.03 versus $5.98).
- Despite its growing revenue, the company underperformed as compared with the industry average of 9.6%. Since the same quarter one year prior, revenues slightly increased by 3.0%. This growth in revenue appears to have trickled down to the company's bottom line, improving the earnings per share.
- The return on equity has improved slightly when compared to the same quarter one year prior. This can be construed as a modest strength in the organization. Compared to other companies in the Health Care Providers & Services industry and the overall market, LABORATORY CP OF AMER HLDGS's return on equity exceeds that of both the industry average and the S&P 500.
- The stock price has risen over the past year, but, despite its earnings growth and some other positive factors, it has underperformed the S&P 500 so far. Turning our attention to the future direction of the stock, it goes without saying that even the best stocks can fall in an overall down market. However, in any other environment, this stock still has good upside potential despite the fact that it has already risen in the past year.
- Net operating cash flow has increased to $234.20 million or 14.91% when compared to the same quarter last year. Despite an increase in cash flow of 14.91%, LABORATORY CP OF AMER HLDGS is still growing at a significantly lower rate than the industry average of 324.99%.
- You can view the full Laboratory Corporation of America Holdings Ratings Report.
STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.
Laboratory Corp of America Hldgs Stock Price
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Laboratory Corp of America Hldgs Key Stats & Profile
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Saturday marks the groundbreaking for Unity Gardens across South Bend.
They'll be holding a special season groundbreaking at the Unity Garden in the LaSalle Square area at noon.
The mayor will be on hand and other dignitaries will plant some early seeds, as well.
They started the first Unity Garden in 2008 in response to the need for food and to address poverty.
Last year, there were 34 Unity Gardens across the city.
People used to come mainly for food, but the Unity Gardens have now become a gathering place.
Mitch Yaciw, the Unity Garden Coordinator says, "It kind of morphed into educating people on how to grow their own food and into just bringing the neighborhood together because that's all a big part of it. In the summer, there will be 50 - 75 people here in July just visiting."
This year different organizations are adopting a bed to weed and they are also putting in more kids gardens.
If you'd like more information on how to get involved go to www.Theunitygardens.Blogspot.Com.
WSJV-TV FOX 2858096 County Road 7, SouthElkhart, IN 46517
Switchboard: 574.679.9758News Phone: 574.679.4545Station Fax: 574.294.1267Email: email@example.com


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Photoshop 201: Digging Deeper
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Saturday, October 26, 2013 - 3 p.m.
If you know a little bit about Photoshop or you've attended one of the Digital Commons Photoshop Basics classes, it's time to take your skills to the next level.
This time we'll get hands-on and complete a movie poster in a few simple steps. If you're an advanced beginner and ready to begin creating your own works of art, this class is for you!


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Note: This story was inspired by the song from singer Chris Norman. I decided to write original story I hope that some of you will like it. All characters are made up and so is summary.
Summary: Young Lilah is goddess of hell, her family lives in believe that she needs to be with somebody of their own kind. And she doesn't agree with that. One encounter with young and beautiful prince James Heart Of Gold, will start to change her mind. Will their love be enough strong?
Views: 50
Lilah's POV
I was running through forest with my full speed I only wanted to escape from everything that tied me for this world and life. Right now I hated everybody. My family for trying to tell me what to do. At myself for listening to them. I had enough. I don't need to listening them anymore.
I am free to do what ever I want. I smiled wickedly in myself and grinned. I jumped on highest wood bench and looked at the sky, I breathed heavily and make it to be dark red. I looked at my work and I was satisfied.
I stopped running and I walked out of forest. I stepped into Red Meadow where was river 7. I took deep breath inhaling fresh afternoon air. It was incredibly quiet which kinda bothered me. I turned around to see a woman with long red hair watching me. Right beside her was sitting man, whom I assume was her husband.
I smiled at both and bowed my head slightly in their direction they smiled back. I turned around, picking one flower from the ground I slowly started to dance with music in my head. I smiled widely.
I stopped in dead tracks when scent of cinnamon hit my nostrils so hard, which confused me so much. I looked slowly over my shoulder to see the most beautiful man standing in front of me. He had light blonde hair, pair of beautiful dark blue eyes.
He was a bit taller then me, maybe 6'2 tall. My emotions were changing in minute by minute. I didn't knew how to react. All these years my heart was cold like an ice everytime when I met guy like him.
But he was different....He was so much more then just an ordinary guy. One part of me keep telling me to run away that he is going to hurt me, but second part told me to take chance and to give him oportunity to make me happy.
I slowly walked to him and I placed flower in his hand. My other hand rested on his chest as I took deep breath. " You will find me when full moon arrives." I whispered into his ear and I pulled back smiling widely at him.
His eyes looked confused into mine and I chuckled slightly." I don't even know your name." He said, his eyes looked sadly into mine. I smiled a little at him.
" Wind will whisper you my name." I murmured and give him peck on lips and with that I ran and jumped on bench. I needed to run away as fast as I could. Right now, I wasn't sure what to think. I needed to be alone for now to sort out my thoughts, because I wasn't thinking too straightly right at this moment.
A/N: So far I posted prologue. I have started to write chapter one for this story when I get him ready I am going to post him soon. Please read and let me know what you think.
wow I like it :) it's so sweet and full of Mystery. I really like it, please post soon and keep me posted, I want to read this.
Oh yes you will soon see what happens :) Thank you for commenting :D
Welcome :)
Chapter One: Lilah
Lilah Faster Than Light - Goddess Of Hell
Lucifer was demigod - half wizard, half god. His parents were the most powerful people in the world; they died under mysterious circumstances when he was only 15. He was forced to leave the family home because other people didn't want him to stay in the village any longer. Ever since he was young, Lucifer wandered around the world. He stayed briefly in Underworld with Santan, but eventually he left, thaking Santan and his wife for letting him stay. He then came into a small village in Italy where a ball was held.
At the ball he met young Cynthia, my mother. She had beautiful long black hair and a tan as white as Snow White's; she looked almost gorgeous as the goddess of love. When Lucifer saw her dancing with her friends, he fell immediately under her charm. He pulled higher the hoodie of his coat, trying not to bring so much attention on himself. Cynthia felt that somebody was watching her; she slowly turned around and saw Lucifer.
She smiled a little at him, and when the song was finished, she excused herself and walked outside to the fresh air to sort out her thoughts. She wished to know the name of the beautiful stranger but she was very shy; she didn't know how to approach him. She couldn't hide the fact that he was the most beautiful man that she had ever seen. She knew what was happening in her heart, but she tried somehow to hide it.
Cynthia was ready to disappear but her powers wouldn't work. She began to freak out, but then she remembered why. She was ignoring her soulmate and the heavens didn't like it at all. She sighed and leaned against the tree, trying to calm herself a little. Lucifer was leaning against the tree, watching her walking outside. Eventually he decided to follow her. He had many powers; he hated them all except tracking. He knew he was a good tracker; he could locate a person instantly. When he found her, he pulled her into his strong arms; she protested a little but she relaxed a little bit when he kissed her temple.
"I'm sorry if I scared you," he whispered, pulling her gently in his arms. She looked up at him shyly and smiled a little. "You didn't...I...I'm sorry," she whispered,looking down.
" Why did you run away, my beautiful lady?" he asked her, placing a hand on her cheek. She looked at him and said, "I was afraid that you were going to play with my heart."
His eyes narrowed with worry when he heard her words. He never wanted to hurt her or make her feel that way ever. He would get on his knees and swear to her if she asked him to. He would take stars from the sky if she wanted him to. That's how much he loved her.
"That's never going to happen," he said to her, cupping both of her cheeks in his hands. After that, they dated for about four years and made me.
And now almost 900 years later, they're still together but their marriage is on shaky legs as my grandfather would say. Problems began when Cynthia's mother kept trying to tear them apart; Lucifer tried to figure out why she wanted to do it. But he never got a real answer from her. She would always ignore him. He tried to figure out how to repair the broken pieces but what else could he do?
Try to hunt her down and kill her? She lives too far away from us and even if he could get there, she would run away. So in this stage he couldn't do anything. I still remember when Cynthia and Lucifer had fights, she used to cry all night.
Lucifer is pretty determined to repair broken pieces of her soul, but the question is does Cynthia really want it? I sighed as I looked at the beautiful moonlight.
Pictures of mysterious man that I met today were playing around in my mind. It was crazy for me to think that he could love a girl like me. I bet if he would meet my family he would be running away. Every guy would do that. Maybe I am just looking for an easy way to escape. No matter how much I try, I can't get him out of my head.
Who knows, I might see him sometime. I closed my eyes for just a second, slowly trying to clear out my mind. That's when one warm hand touched mine, gripping it so hard that I couldn't move.
When I looked up, I met his dark blue eyes.
A/N: I'm so sorry that took me so long to post chapter one. I was just making sure that chapter doesnt have any grmmar mistake. Well I hope you'll enjoy in reading.
I liked it :) but reading this, I spotted 2 mistakes. It's Satan not Santan and you but Thaked, not thanked lol. I liked the insight to the past about Lilah's parents. so sweet
Oh yes yes I am so sorry hun i was writing in such worry because i didnt wanted my readers to wait :) but thank you so much for commenting :D
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Maharishi begins by observing that all social relationships are based on love. He explains this principle in the context of the commentary on verse I.25:
Before Bhishma and Drona and all
the rulers of the earth, Lord Krishna said:
Partha (Arjuna)! behold these
Kurus gathered together. (I.25)
With great delicacy of understanding, Maharishi (1967) singles out the word "Partha" for special attention, and from it develops a fundamental principle of social life:
Lord Krishna addresses Arjuna as "Partha," the son of Pritha. With this expression He reminds Arjuna of his mother and thereby creates a warm wave of love in his heart, the warmth of love that connects son and mother. It is this tender bond of love that develops into all family and social relationships, that maintains a family, a society, a nation and a world. (p. 47)
There is great psychological insight in Maharishi's understanding of the effect of this one word on Arjuna; and his reflection on it, expressed in the second sentence of the above quotation, enunciates a principle of great power. Maharishi unequivocally applies it to social life at every level, from its elemental form in the family, to the wider society, and ultimately to the global society, conceived of as a whole. Maharishi is here speaking of social life in its ideal form; or, to put it another way, whatever is worthy of the name of social life. Relationships that are exploitative or damaging, or in some way negative, are not worthy of the name "relationship," except in the technical sense of interaction between two or more people. Thus, when Maharishi (1967) speaks of relationships, he emphasizes the nourishing, evolutionary aspect of what people can bring to each other. The principle is amplified as follows:
Having created this wave of love in Arjuna's heart, Lord Krishna desires to strengthen it; and for this He says: "Behold these Kurus gathered together." This quickens all the ways of the heart, where different relationships are held in different shades of love." (p. 47)
In the last clause Maharishi more precisely explains the relationship between love and society: The different social relationships-those constituting family, society, nation, and world-are seen as "different shades of love." Love is the essential content of society: It flows throughout, directed in different ways to different objects at different levels, and creates the different contexts in which social relationships arise. Maharishi infact seems to use the term "love" to refer to the same absolute value of life described in I.1, here denoted in its subjective character. Love is thus far more than the localized personal phenomenon we usually associate with the term; Maharishi locates its universal character. Elsewhere Maharishi (1973) expounds:
Love is the sweet expression of life, it is the supreme content of life. Love is the force of life, powerful and sublime. . . .
Love is the supreme blessing of life; love as love is universal. Personal love is concentrated universal love. (pp. 13, 19)
There is thus, Maharishi (1967) teaches, an intimate relationship between dharmas in society and social relationships. The one structures, or finds expression in, the other:
"Family dharmas" are the powers of different principles which uphold the coordination between different members of a family, at the same time enabling every member, consciously or unconsciously, to help every other member on his path of evolution. Such family dharmas are, for example, those that go to make the relationship of a mother with her son or daughter, or of a brother with his brother or sister, and so on. (p. 68)The term translated as "family" here is kula which has the sense of an "assemblage," inclusive of all kinds of social relationship, including community, caste, and so on, with "family" the primary meaning (Monier-Williams et al., 1979, p. 294). The principle enunciated therefore carries the inference of being applicable to every level of society and social life. Again we may note the practical nature of Maharishi's commentary: Social relationships have their value in the assistance each member of the relationship brings the other in accelerating the pace of their evolution, of their growth to higher states of consciousness.
Maharishi (1967) re-emphasizes this point later in the Bhagavad-Gita (II.33) from the perspective of the moral code of the society, which, he observes, comprises all the varieties of relationship that structure the society, just as the absolute field of dharma comprises all the varieties of dharma:
It may be mentioned that the moral code of conduct in any society has dharma at its basis, whether or not the people in that society are aware of the inner workings of nature guided by the invincible force of dharma. The fundamentals of social behavior in every society on earth are based on this principle which governs the laws of evolution. (p. 110)
It is interesting here to note the qualification "whether or not the people in that society are aware of the inner workings of nature." Maharishi is pointing out that the absolute field of dharma, the field of pure intelligence, is an objective reality of nature, transcending the level of thought and feeling that constitutes the normal daily level of human awareness, and governing life-including the ideal structure of social relationships-from that level. In a similar way, one may not be aware of the existence of the electromagnetic or gravitational field, yet the laws pertaining to these fields govern the phenomena of their respective domains, and constantly impinge upon the material domain of everyday life.
Finally, Maharishi repeatedly makes the point, particularly in his commentary on Chapter I, that a mark of developed consciousness is the natural flow of compassion for others. Love, he teaches, is the impulse of giving; a relationship thrives only when each person gives to the other (1963, pp. 180-182). Arjuna's dilemma, he points out, is brought about by the greatness of his heart and mind-the fullness of his feeling for his kinsfolk and for the whole society, and the strength and clarity of his insight into his duty to others. A lesser man, surrendering to one or other impulse, might have launched himself into action without further reflection. Arjuna's status is different, Maharishi (1967) remarks:
This brings to light the greatness of Arjuna's heart and mind. His vision is clear: he views the situation with a serene and deep insight. His logic is p rofound. His thought is balanced and noble. His feeling is for others: when he thinks, it is in terms of others; if he wants to fight and gain sovereignty, it is for the sake of others; if he wants to amass enjoyments and pleasures, it is for the sake of others; if he wants to live, it is for others. Such is his developed consciousness, devoid of any thought of self-interest. This is the status of truly great men-living, they live for others; dying, they die for others. (p. 57)
At the highest level of human development, in the state of enlightenment, Maharishi (1967) teaches, this principle takes on a new reality of a universal value:
As the unwise act out of their
attachment to action, O Bharata,
so should the wise act, but without
any attachment, desiring the welfare
of the world. (III.25)
Maharishi (1967) comments:
The effects of the enlightened man's actions spread out in the world and everything benefits from them. . . . His actions are in response to the needs of the time; they fulfil the demands of their surroundings. The wise are tools in the hands of the Divine; they innocently carry out the divine plan. Their actions arise from their desire for "the welfare of the world."(p. 218)
Here the field of social relationships has expanded to embrace the whole of humanity, the ideal of what Maharishi identifies as vasudhaiva kutumbakam (Maha Upanishad, 6.17) and translates as "the world is my family" (Maharishi Mahesh Yogi, 1987, p. 9).
[Previous Section][Next Section]
[Dharma as the Absolute Basis of Society]
[Dharma and Society]
[Social Relationships and Social Behavior]
[The Causes of Social Disintegration and War]
[Fulfillment of Society]


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- Laundry Facility
- Utilities Included
- Some Paid Utilities
- Other
- After School Programs
- Central air and heat
- Day care on-site
- Emergency Maintenance
- Floor-to-ceiling Windows
- Individual patio/balcony
- Make-A-Difference learning center/FREE comp. lab
- Modern Kitchens with Dishwasher
- Near Magnets Elementary School and Addison Metro
- On major bus routes
- On-site Management
- Plush Wall-to-wall carpeting
- Public Transportation
- Separate Dining Area
- Spacious Closets
- Sparkling swimming pool
- Vertical and mini blinds
Units may feature
- Amenities
- Air Conditioning
- Cable Ready
- Garbage Disposal
- Oversized Closets
- Kitchen
- Dishwasher
- Refrigerator
- Outdoor
- Balcony
Capital Courts has something for everyone. Capital Courts is only minutes away from Addison Metro, the Beltway, and downtown D.C. Each apartment offers central heat and air conditioning, a patio or balcony, spacious closets, and mini-blinds. A sparkling swimming pool, playgrounds, and off-street parking create the perfect community.
PREPARE TO BE IMPRESSED! At Capital Courts you'll have it all: a great location, conveniently located near Metro, cozy apartment homes, a Make-A-Difference Learning Center with after school programs and teen center, and a responsive team. Reserve your new home today!
Leasing Information
Pet policy
Breed Restriction. Cats Allowed. Dogs Allowed. Call for service animal policy.
Lease Terms: 12 month leases available. Security Deposit: $400 up to 1 full month's rent. Cats and large dogs welcome! Pet fee, monthly pet rent and breed restrictions apply per pet. Maximum of two pets per apartment home. See Marketing Specialist for details.
For more information, please call (301) 850-4043 (240) 696-6535 or check availability.
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The manager of the apartments helps you as much as she can if you are honest. She keeps the property in good c Read Moreondition.
December 20, 2013
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Tom Buis of Growth Energy visits with Dan about the Renewable Fuels Standard and ethanol demand.
Renewable Fuels Update
Recent Headlines
Eva Mendes and Ryan Gosling are parents
The pair reportedly welcomed a baby girl last week.
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And part of her appearance included singing duets with Jimmy Fallon.
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Darius Rucker to release holiday album
"Home for the Holidays," which will be released in October, will feature classics and original music.
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The 1983 classic is getting a new look for a new generation, picking up the story with the now-grown children of Clark and Ellen Griswold.
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Sesame Street has its own take on "Star Wars" and it's adorable, funny, creative ... and makes us want to be a kid again.


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Among the many unwanted things that taxpayers get socked with during a financial crisis is a portfolio of deeply distressed assets—loans gone sour, millions of them, many of them sliced and bundled into securities that nobody can sell because nobody wants to buy. The overwhelming uncertainty around these troubled assets can paralyze the financial system. Almost inevitably, they fall into the government's hands as a side effect of efforts to rehabilitate the financial system and restore credit flows.
It's an important and necessary step in nursing the financial market back to health. The government usually takes possession of troubled assets either through receivership of failing financial institutions or through programs that strip distressed assets from struggling but still open-andoperating financial firms.1
These assets often go by the infamous term "toxic assets," the likes of which throttled so many financial institutions in 2008 and 2009. And despite the economic damage they did over the past few years, the problem of what to do about them persists. Elements of the Dodd-Frank legislation go a long way toward averting and dealing with financial market meltdowns, as the legislation establishes a separate Federal Deposit Insurance Corporation (FDIC) resolution authority for nonbank financial firms. But absent from this legislation are provisions for handling troubled assets on the scale generated during a financial meltdown.
It is true that the FDIC's receivership operations are set up to dispose of the assets from the estates of failed financial firms during non-crisis times. U.S. federal deposit agencies are funded by assessments on the industries theyinsure, which limits their resources for dealing with largescale banking problems.
In other words, the FDIC's operations currently are not geared toward dealing with the volume of distressed assets that would likely need to be managed in the aftermath of a financial crisis; systemic crises require the marshalling of resources beyond those normally available to the deposit guarantor. Hence, there is a need for an institution whose sole purpose is large-scale asset salvage—to acquire, manage, and then dispose of the overhang of distressed assets on the books of banks and other financial firms.
Such an institution is not a new concept. The government and even the private sector have created special-purpose entities to deal with troubled assets in all of the recent financial crises. From the Great Depression to the 1980s savings and loan debacle, vehicles of this sort have played a role in getting the financial market functioning again. Some have done their jobs quite well; others not.
Drawing on these lessons, I propose the creation of a resolution management corporation, or RMC. Call it an asset-salvage entity, or bad bank. The RMC that I propose would be sponsored by and operated by the federal government. It would become operational only in response to a financial crisis where the volume of troubled assets that needs to be managed and disposed of exceeds the capacity of the FDIC's receivership operations.
The RMC's overarching goal: restoration of a stable, healthy financial system at a minimal cost.
The Trouble with Assets
An asset is said to be troubled, toxic, impaired—pick your term—under a number of different conditions. If it is a mortgage loan, it may be "nonperforming," that is, the borrower is no longer making payments. It could be an entire bundle of mortgages made to subprime borrowers, in which case finding a market value may be impossible.
It's like a carton of eggs in a supermarket. They might appear to be fine eggs, but if shoppers suspect they might be tainted on the inside, the eggs might not sell at any price. The market reaction to toxic assets is much the same.
These toxic assets, if large enough in scale, could wreak havoc on the economy. Financial institutions are reluctant to sell them, because the markets for these assets, if working at all, tend to be very thin. The problem is made worse if financial firms holding the assets are undercapitalized and likely reluctant to undertake any actions that would require them to recognize losses on these assets. Creditors and counterparties grow nervous about doing business with toxic-asset-owning financial institutions. Over time, the uncertainty bleeds out into the real economy, freezing the fundamental financial-sector activities of facilitating people's and firms' borrowing, saving, and investing.
The logic of stripping away toxic assets from their current owners is the same as ripping off a bandage—it hurts, but it's best to get it over with quickly. Otherwise, you only prolong the pain.
History clearly teaches us the downside of nursing along struggling firms—from the savings and loan industry in the 1980s to Japan's banks in the 1990s. Instead of shutting them down and seizing their assets, the government injected these firms with liquidity and capital, further exacerbating and extending the economic decline. By one study (DeGennaro and Thomson), regulatory forbearance—a policy of delaying a receivership process—quadrupled the cost of the savings and loan crisis for taxpayers.
Until now, the way the government has gone about trying to restore order hasn't been very systematic. Past experience with bad banks is mixed. The Federal Deposit Insurance Corporation had some success in setting up a bad bank to handle the rescue of Continental Illinois Bank and Trust Company of Chicago in May 1984; the 1989-created Resolution Trust Corporation, by contrast, was hobbled for various reasons in its ability to manage assets from failed thrift institutions (see box: Some Bad Banks of the Past).
Four Keys
So, how should we go about establishing an effective bad bank? Four features are crucial to the proper design of my proposed resolution management corporation:
1. Transparency and accountability
Taxpayers need to be able to track losses and gains. This can be accomplished by a crystal-clear separation between the "good" and "bad" assets, acknowledging at the start the losses from toxic assets and the costs associated with managing and disposing of them. This allows for an auditable allocation of losses, which in turn properly aligns incentives for efficient management and disposition of the toxic assets.
The more transparent decisions are at the beginning, the more likely it will be that the financial system can be rehabilitated quickly and credit flows restored. A straight-forward way to accomplish a transparent separation of toxic assets from the financial system would be to put the failing institution through a receivership process.
A systemic regulator—perhaps the Board of Governors of the Federal Reserve System along with either the FDIC, the SEC (for securities broker-dealers), or the Federal Insurance Office (for insurance companies), in consultation with the Secretary of the Treasury—would make the call on which firms should pass into receivership.
The troubled assets—mortgage securities and so forth—would be set in a pile and valued as fairly as possible (which, granted, could prove difficult). The creditors might receive a certificate with a percentage claim to any future cash flows from the asset. There might even be a certain comfort level in handing over the assets because of the next stage of the process.
2. A simple, unambiguous mission
A resolution management corporation should aim to maximize net recoverieson the portfolio of distressed assets under its management. Period.
The bad bank must quickly return assets to the private sector at the highest possible recovery value. A fast realization of losses is the surest path to economic recovery, as financial market players can effectively take their lumps and move on. The sick institutions themselves could be passed into a bridge institution where they would be recapitalized, and the bad assets moved into the resolution management corporation for management and rehabilitation.
If it's a security with, say, parts of 1,000 subprime mortgages, there may be no initial market in which to sell it. So the RMC would hold the security, and perhaps even take the time and effort to "rehabilitate" some of its underlying mortgages. Perhaps a certain homeowner had been out of work and not paying, but then found a job. The RMC could conceivably be the one that makes the phone calls to get the borrower back on a payment schedule, even if at a reduced rate.
There must be confidence that the bad bank will care for the assets and then speedily return them to the private sector, or be held responsible if not. The Government Accountability Office should conduct periodic audits; Congress should hear regular testimony from the bad bank's chief; and Congress should establish an independent body to oversee the operations and activities.
3. Adequate resources
Bad banks need funding and staffing. The funding is to pay for operations and costs associated with stripping troubled assets from the failing institution.
The independent bad bank should be given a revolving line of credit with the U.S. Treasury, enough to fund operations during the start-up period—perhaps about $100 billion.
In this initial phase, the bad bank can acquire assets in a manner that preserves their value and reduces losses that insolvent and possibly neglectful institutions had let mount. After that, the bad bank should seek permanent operational funding from direct Congressional appropriations and issuance of bonds. The principal and interest on the bonds would be funded through the (eventual) liquidation of the assets. Because assets should be acquired at fair value, little or no additional funding should be required to cover shortfalls in the value of assets sold.
However structured, a bad bank should essentially be established as a shelf organization. Its charter, funding authority, and authorization for staffing and other resources would always be in place, but the RMC itself would be dormant until activated. And that activation should happen only in case of a real fire—a widespread financial crisis, not the sort of higher-frequency disruptions that are normal in a cycle. Who would declare the RMC's activation is a matter of preference—it could be the FDIC's board, the newly created Financial Stability Oversight Council, the Board of Governors of the Federal Reserve System, the Secretary of the Treasury, or some combination of these.
4. A limited life span
Once the troubled assets have been repaired and re-sold, the bad bank can fold up.
Establishing a fixed expiration date clearly ties the existence of the RMC to its function. Ten years seems like a reasonable maximum life for such an entity. Once the need for the function goes away, the RMC does, too. It also reduces incentives to speculate on asset-recovery values by limiting the maximum time any asset can be held. There is also the more technical but important benefit of easing uncertainty among market players about who will issue claims against the expected cash flows from the troubled assets. They will have a rough idea when the cash will start flowing, because they know the bad bank will cease to exist when its job is done. Any assets remaining on the RMC's books when its charter expires could be turned over to the FDIC's receivership function for eventual sale or liquidation.
A Necessary Reform
The way we respond to crises can either help or hinder the recovery. The establishment of a government-chartered RMC could go a long way along the "helping" path. At best, a national "bad bank" should be seen as a complement to other financial-crisis rescue efforts. We will still need emergency liquidity and credit programs, for example. But financial crises have grown more frequent in recent decades. Perhaps if we had a system for dealing with the most troubled assets up front, we would lessen the need to deal with another crisis in the near future.
- DeGennaro, Ramon P., and James B. Thomson. 1996. "Capital Forbearance and Thrifts: Examining the Costs of Regulatory Gambling." Journal of Financial Services Research 10(3): 199-211.


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The Erie Port Authority now has the money it needs to repair some crumbling dock walls.
Governor Tom Corbett has approved a $5 million grant to fix about 1,000 feet of wall in the slip behind the Intermodal Center. It's located between the Cruise Boat Terminal and the DonJon Shipbuilding complex.
Portions of the dock have been caving in for years.
The repairs are expected to begin in May, and take about 6 months to finish.
The authority hopes to new dock walls will mean much greater use of the slip.


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Dropbox for iOS updated to version 1.5, automatic photo upload added
Dropbox for iOS has just been updated to version 1.5 adding a feature that Android users have been enjoying for a while – automatic photo and video uploads. That can be done either over cellular, or when you are connected to a Wi-Fi network. And just like it is on the app's Android version, users will get additional space for using the auto upload feature. Up to 3GB will be added to their storage allowance, 500MB at a time.
If you are a Dropbox user already, keep an eye out for the update, and if you have not tried the service yet, feel free to check it out by following the link below.
source: Dropbox via Redmond Pie
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Created: Mon, 30 Sep 2013 04:23:00 CST
Updated: Mon, 30 Sep 2013 04:24:45 CST
Funeral Services for Marvin W. Titkemeier will be held on Tuesday, October 1, 2013 at 10:00 a.m. at the St. John's Lutheran Church in Wilcox, Nebraska with Reverend Kenton Birtell, officiating. Interment will be in the St. John's Lutheran Cemetery at Wilcox with military honors provided by the Wilcox American Legion Post #377 in conjunction with the United States Army National Guard Military Honors Team.
Marvin Wayne Titkemeier, 83 years of age, of Wilcox, passed away on Thursday, September 26, 2013 at the Good Samaritan Hospital in Kearney, Nebraska. Marvin was born April 25, 1930 on the family farm south of Wilcox in Harlan County, Nebraska, the youngest of three children born to Herman and Sophia (Gellermann) Titkemeier.
Marvin was baptized on May 18, 1930 and confirmed on April 12, 1944 at the St. John's Lutheran Church at Wilcox. He received his primary education from the Freewater District School south of Wilcox and then attended Wilcox High School.
Following his education, Marvin engaged in farming on the family farm south of Wilcox. He then served his country during the Korean War in the United States Army from November 28, 1951 until his honorable discharge on March 15, 1952.
On June 1, 1952, Marvin was united in marriage to Sylvia Teda Leners at the St. John's Lutheran Church at Wilcox and to this union three sons were born: Larry Wayne, Lyle Lee and Lonnie Ray. The family made their home on the Titkemeier home place south of Wilcox in Harlan County, Nebraska. Marvin was very proud of the fact that he was blessed to operate the family farm that his grandfather had purchased. Marvin and the family were honored with the Pioneer Family Farm Award for 100 years of continuous ownership in 2002. Marvin and Sylvia moved into Wilcox in 1983, yet continued to farm. On September 24, 2010, Marvin was preceded in death by his wife, Sylvia.
Marvin was a lifetime member of the St. John's Lutheran Church in Wilcox, where he was a devoted member. He was also a member of the American Legion Post #377 of Wilcox.
Marvin enjoyed visiting with his friends during lunch at the Senior Center and quite often would stay to play cards as well. He was a devoted and loving husband and father, and his pride and joy were his grandchildren and great-grandchildren.
Besides his wife, Sylvia and his parents; Marvin was preceded in death by his two sisters: Ordean Eckhardt and her husband, Frank, and Luetta Bogan.
Marvin leaves to mourn his passing; his three sons: Larry and his wife, Jean of St. George, Kansas, Lyle and his wife, Colleen of rural Wilcox and Lonnie and his wife, Lori of Holdrege, Nebraska; his brother-in-law, Merle Leners and his wife, Suzie of Salina, Kansas; seven grandchildren: Angie Ellis, Scott Titkemeier and his wife, Jenny, Malissa Grothe and her husband, Landon, Bob Titkemeier and Miranda Titkemeier; nine great-grandchildren; and a host of other relatives and friends.
Visitation will be held on Monday, September 30, 2013 from 4:00 p.m. – 8:00 p.m. with the family greeting from 6:00 p.m. – 7:30 p.m. at the Bauer-Torrey & Mach Funeral Home in Wilcox.
A memorial has been established in Marvin's honor and will be designated at a later date.
Expressions of caring and kindness can be sent to the family at www.nelsonbauerfh.com
The Bauer-Torrey & Mach Funeral Home in Wilcox is in charge of the arrangements.


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Great Falls Packaged Ice - 21 lbs.
by Great Falls | Item #: 593699 |
Packaged Ice in a large 21 lb. package. Ideal for large gatherings, events or for the business that needs large quantities of quality, sanitary ice.
- Generous 21 lb. size
- A great value
Ask & Answer
Warranty InformationThis product is covered by the Sam's Club Member Satisfaction Guarantee.
There is no additional information available for this item.


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EA shuts down Mythic Entertainment
Electronic Arts has confirmed that Mythic Entertainment is no more. Founded in 1995, Mythic was acquired by EA in 2006 and renamed to EA Mythic, but reverted to its original name shortly thereafter. It was also known as BioWare Mythic for awhile, before assuming its original name once again in late 2012.


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Spider Video Player
Step by step guideStep 1: Installing the WordPress Player.
1.1 Minimum requirements.
1.2 Perform a new installation.
For Mac Users
Go to your Downloads folder and locate the folder with the plugin. Right-click on the folder and select Compress. Now you have a newly created .zip file which can be installed as described here.
If the installation is successful, you will see the message in the picture. If any problem occurs, please contact us email@example.com.


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Omya could add four more calcium carbonate plantsBy Bruce Edwards
STAFF WRITER | September 14,2013Looking to expand its calcium carbonate business in Europe and North America, Omya has entered into exclusive negotiations to acquire four calcium carbonate plants from Imerys, a French industrial minerals company.
Headquartered in Switzerland, Omya already operates plants around the world, including Pittsford, home to the companys largest calcium carbonate plant in North America.
The plants Imerys is looking to sell are in Wisconsin, Sweden, France and Italy. The plants make ground calcium carbonate used in the manufacture of paper products.
Company spokesman Wolfgang Weber-Thedy said Omyas desire to acquire the plants is part of a long-term strategy.
Its aim is to strengthen its calcium carbonate business with the paper and (paper) board industry, Weber-Thedy said Friday in a telephone interview from Zurich. This emphasizes its continued commitment to the sector despite the challenging business environment in Europe and North America.
One factor helping to drive the acquisition is the location of the four plants relative to Omyas customers. Weber-Thedy said the acquisition would allow Omya to reduce its transportation costs.
He also said that if negotiations are successful the acquisition of the Wisconsin plant would not affect production in Vermont.
This is a move to optimize, not downsize, he said.
Because Imerys is a publicly traded company on the Paris stock exchange, it was required to disclose the negotiations. The company said that if negotiations are successful, the sale to Omya could be completed in the first quarter of 2014.
According to Imerys, last year the four production facilities generated revenues of nearly $100 million.
Imerys has 250 industrial sites in 48 countries, including the U.S. In Vermont, it operates a talc mine on East Hill Road in Ludlow.
Omya, based in Oftringen, Switzerland, is a privately held company with 100 sites in more than 50 countries and 7,000 employees.
firstname.lastname@example.com IN This Just InStaff Report Full StoryBENNINGTON — A local man was killed in a one-car accident Saturday. Full StoryMONTPELIER Drivers who use hand-held cellphones and other electronic devices while driving... Full Story
- Most Popular
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- TOMORROW'S HEADLINES TODAY: Patrick McArdle reports and the theft of an $89,000 shotgun, police release a video of the Monday Castleton robbery, O'Gorman reports a lawsuit by a local man claiming his vehicle unlawfully seized, police leave him in cold.
- RICHARD'S POOR ALMANACK: Giles Corey of Salem, Mass., is pressed to death during the Salem witch trials; on this day in 1952, film comedian Charlie Chaplin, while traveling to England, is denied re-entry into the United States by U.S. attorney general.
- RICHARD'S POOR ALMANACK: Dutch father of microbiology Antonie van Leeuwenhoek discovers the existence of one-celled organisms; in 1967, The Doors are booked to play the Ed Sullivan show; in 1858, freedom fighter Dred Scott dies on this day in St. Louis.
- TOMORROW'S HEADLINES TODAY: No money this year for western rail project, Lola Aiken memorialized in Montpelier, Supreme Court Castleton murder suspect will remain in jail, Shaftbury man fires shots from his AK-47 into neighbor's home.
- RICHARD'S POOR ALMANACK: On this day in 1959, Soviet Premier Nikita S. Khrushchev arrives in U.S. for historic 13-day visit; in 1987, Secretary of State George Shultz and Soviet Foreign Minister Eduard Shevardnadze sign nuclear reduction agreement.
- TOMORROW'S HEADLINES TODAY: City celebrates completion of its newest mural, on West Street opposite the post office, more than $2 million in federal grants will bolster Vermont's health centers, Patrick McArdle reports on pending sale of Vermont papers.


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Start learning with our library of video tutorials taught by experts. Get started
Reviews the new features in Flex, Flash Builder, and AIR for desktop and mobile application developers.
Shows developers how to design and deploy mobile applications for the Android and iOS smartphone platforms.
An in-depth tour of the first version of Flex and Flash Builder to be targeted at mobile development.
"I am not a programmer, but am a company of one so I need to go beyond my current capabilities. Your training sessions are VERY clear and concise. The training provides so many tips in programs I thought I knew." —Dianne C.
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Product Recall: We are voluntarily recalling fewer than 8,000 cases of regular Kraft American Singles Pasteurized Prepared Cheese Productlimited to 4 SKUs on two "Best When Used By" dates of February 20, 2015 and February 21, 2015. Click Here.
HEAT oven to 350°F.
COOK pasta as directed on package, omitting salt. Meanwhile, brown sausage in large deep skillet on medium-high heat, stirring occasionally to break up sausage. Drain; return sausage to skillet. Stir in zucchini, peppers and pizza sauce; cook 5 to 6 min. or until vegetables are crisp-tender, stirring occasionally.
DRAIN pasta. Add to sausage mixture with VELVEETA; mix lightly. Spoon into 13x9-inch baking dish sprayed with cooking spray; top with Parmesan.
BAKE 15 to 20 min. or until heated through.


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Fan Profiles
The most important part of any professional sports team are the fans that support it.
You can get bios on every player on the team… but what about the fans? Who are the people that support the team? Why are they fans of that particular team?
The stories behind the fans are sometimes more intriguing than the stories of the players. Because of that, I decided to start getting those stories, the fans' stories, and posting fan profiles.
What better way to get to know your fellow Devils fan than to read all about them? You'll find there are Devils' fans all over the globe. They are Devils fans for many different reasons. They show their support in some interesting and creative ways.
If nothing else, you'll get to know and have the opportunity to talk to a few more people that have one thing in common: Supporting the New Jersey Devils.
If you would like to be included in the fan profiles, feel free to contact me via email, Twitter, Facebook… or any other way you can think of.
And now, here they are, your New Jersey Devils Fans…
Kyle Leathers – Maine / Massachusetts
2 Responses to "Fan Profiles"
Tweets that mention SotD: A NJ Devils Blog -- Topsy.com Says:
January 20th, 2011 at 4:18 pm
[...] This post was mentioned on Twitter by SpeakoftheDevs and SpeakoftheDevs, Chris Wassel. Chris Wassel said: RT @SpeakoftheDevs: The @NHLDevils fan profiles are back up on SpeakingoftheDevils.com! Check 'em out: http://bit.ly/ifjMoy #NJDevils [...]
SotD: A NJ Devils Blog Says:
January 31st, 2011 at 3:01 pm
[...] Fan Profiles [...]


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Dubai Culture and Arts Authority Supports DIFF 2009
Sat Dec 05,2009
The Dubai Culture & Arts Authority (Dubai Culture) is supporting the Dubai International Film Festival (DIFF) 2009 as part of its mandate to drive and support all cultural events in the city and nurture Emirati talent.
DIFF Chairman Abdulhamid Juma said that the support of Dubai Culture is vital in promoting DIFF at the grass roots level and fostering the wider growth and development of the city's burgeoning arts scene. "Films, today, play a crucial role in defining culture. With over 200 nationalities, Dubai's cinema sensibilities are truly cosmopolitan, and through Dubai Culture's support to DIFF, we are further promoting intercultural dialogue," he said.
Saeed Al Nabouda, Chief Projects Officer at the Dubai Culture & Arts Authority said the synergies between DIFF and Dubai Culture are strong and mutually beneficial. "Both organisations share the same vision and goals, and are committed to growing the region's film industry. We are proud to be supporting DIFF and committed to encouraging home-grown initiatives and nurturing Emirati talent."
Dubai Culture recognises that a healthy film industry is necessary to convey the stories and messages about Dubai's culture, traditions, history and contemporary lifestyle to the world. The Authority has achieved great success in fostering the growth of a dynamic local film industry through their support towards film events, such as the Gulf Film Festival.
The organisation aims to strengthen the city's cultural heritage while encouraging dialogue and creativity among its 200-strong cultures by hosting events that appeal to the connoisseurs of films, arts and literature. Recently, it hosted Documentary Voices: Social Awareness 2009, the first-ever documentary festival of its kind focused on social concerns.
Now in its sixth year, DIFF 2009 is held in association with Dubai Studio City, and will be held from December 9 to 16. Dubai Duty Free, Dubai Pearl, Emirates Airline and Madinat Jumeirah are the principal sponsors of DIFF. For more information on the festival, please visit www.dubaifilmfest.com.


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Was £13.00 - £16.00
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Boys' grey canvas slip-on shoes
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Styled in canvas, these boys' grey slip-on shoes from bluezoo have elasticated panels at the backs of the toes, elasticated openings and pull tabs at the back.
- Upper: Manmade materials
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Debenhams is happy to exchange or refund your purchase within 28 days providing the goods are in a fully resaleable condition (including tags) and not within the exclusion policy*. This policy does not affect your statutory rights. You can return unwanted items either by visiting your local store (the fastest way to get a refund), by arranging a courier collection or returning by post. Exclusions apply to selected products. For instructions on how to return products and information on Debenhams refund policy visit the returns and refunds section of the website.


text: Wellness Programs Resource Page www.shrm.org/wellness Latest Articles CEOs Share Insights for Wellness Success U.S. corporate leaders issue a call-to-action on employee health promotion, with recommended steps to take. Shared Values: The Next Step in WellnessWorkers want to feel that their employers care about them as people—rather than viewing them as cogs in the machine. Don't Forget Ergonomics Away from the OfficeEmployees who work from home or travel for work should be taught to assess their ad hoc workspaces for ergonomic risks. EEOC Sues Employer's Wellness ProgramThe U.S. Equal Employment Opportunity Commission (EEOC) has filed the agency's first lawsuit to directly challenge a wellness program under the Americans with Disabilities Act. Vision Care: Cost Reduction's Different LensEye exams provide the opportunity to detect disease early. But employers might overlook a second cost savings outcome—increased productivity. Why You Need an Ergonomics ProgramWorking in an awkward position can cause costly damage to an employee's musculoskeletal system. Onsite Flu Shots Save Health and Absence CostsFor a healthy dose of productivity, help employees to get vaccinated against the flu. Prevent Sprains and Strains in the WorkplaceStrains are the top accident category in manufacturing by frequency and severity. Disability Claim Payments UpEven as disability payments rose, the number of workers covered by long-term disability insurance fell. Host Employers, Staffing Firms Cited for HazardsOSHA's initiative to improve workplace safety and health for temporary workers is netting a brisk business issuing citations. E-Cigs and Workplace Health ClashIncreasingly, companies are prohibiting electronic cigarettes at the workplace and including the vapor-emitting products in their anti-smoking policies. EEOC to Square Wellness Incentives with ADA The Equal Employment Opportunity Commission (EEOC) will address whether, and to what extent, the Americans with Disabilities Act (ADA) lets employers offer financial incentives or impose financial penalties within their wellness programs. Take a 'Whole Person' Approach to ObesityThe interplay between physical and psychosocial drivers is often ignored; it shouldn't be, says a leading disability management expert. Meditation Comes to the WorkplaceThere are compelling reasons for employers to offer meditation training and resources as a stress-reducing wellness benefit. Employers Not Maximizing Wellness IncentivesMany employers are struggling to commit to and measure their wellness strategies, and nearly half aren't planning to take full advantage of higher incentive limits under the Affordable Care Act. Heat Illness Prevention Campaign LaunchedWith the hot summer months ahead, employers should train supervisors and workers to prevent, recognize and treat heat-related illness. Make Your Safety Training Talks EffectiveAn increase in accidents and near misses, messy work areas, and workers not wearing protective clothing or using equipment properly could all be indicative of a lax safety culture. Counter the Top Triggers of Short-Term DisabilityBy knowing the likely causes of short-term disability leave, employer can help employees stay healthy and return to work sooner. Wellness Surge at Mid-Size FirmsProgram components that saw the biggest increase last year included health coaching and online wellness portals. Avoiding Costly MisdiagnosesSimple steps can help reduce the waste and suffering that stems from an incorrect diagnosis or treatment plan. Gamification Used to Promote WellnessThe Global Corporate Challenge is a yearlong workplace wellness program that begins with an interactive, 100-day, team-based competition. Asleep on the Job: When to AccommodateNew assignments and schedules may be needed for those with medical conditions. Tackle Cancer's Workplace ChallengesEmployers can facilitate early detection and prompt treatment of cancer, which preserves quality of life for employees and reduces the costs of cancers in the workforce. Tips for Less StressUseful recommendations to pass along to employees on ways to reduce stress. Wellness Incentives Spending Up 15% in 2014In 2014 corporate employers plan to spend an average of $594 per employee on wellness-based incentives, an increase of 15 percent from the average of $521 reported in 2013 and more than double the average of $260 reported five years ago. Health Insurance Rates and SmokingSmoking clearly impacts health care costs and may legitimately affect premium rates, but are there pitfalls and dangers involved in imposing additional costs on smokers? Forms, Toolkits and Guides SHRM Toolkits and Guides: How to Establish and Design a Wellness ProgramDesigning and Managing Wellness Programs Promoting Employee Well-Being: Wellness Strategies to Improve Health, Performance and the Bottom LineManaging Health Care Costs HR Forms: Fitness Center Waiver and Release of LiabilityFlu Shot ConsentHIPAA Notice of Privacy Practices Popular Content Compliance Issues: Final Rule Provides Wellness Incentive Guidance Federal Tax Implications of Wellness Incentives and Rewards Guidance Sought on Wellness Efforts and Anti-Discrimination Laws Advice for Successful Programs: Wellness Program ROI Depends on Design Technology and Wellness Initiatives Use of Outcomes-Based Health Incentives Growing Groups Issue Guidance for Outcomes-Based Wellness Incentives Launching a 'Winning' Wellness Contest Health Fair Tips From a Candy Culture to Health-Obsessed: A Wellness Convert's Tale Wellness Program 'Best Practices' Foster Success Using Behavioral-Based Design to Encourage Healthy Behavior SHRM Webcasts The Secret Wellness Motivator: Friends & FamilySponsored by hubbub healthA spotlight on an effective but overlooked strategy to promote sustained healthy behavior changes. Shape Up Your Wellness ProgramSponsored by AchieversRe-engineer employee wellness programs to engage and align employees and recognize their achievements. Consumer Eye Health and WellnessSponsored by Davis VisionIntegrate eye care with medical benefits to improve the management of chronic conditions. The Science to Healthy BehaviorsSponsored by hubbub healthThe roadmap for successful employee wellness initiatives has been redrawn, yet an outdated and ineffective approach to wellness persists in many programs. Gamification for the Health of ItSMSponsored by hubbub healthEmployees' poor health habits and the lack of engagement remain the top challenges to a successful program. Pre-Diabetes: An Employer's Approach to PreventionSponsored by Alere WellbeingHow employers can help to stop diabetes and pre-diabetes progression. Caregiving Health and WellnessMany in today's workforce are members of the "sandwich generation"—caring for both their children and parents. The reality of this dual role causes employees' health and wellness to rapidly deteriorate. SHRM Resources Visit SHRM's Flu Resources Page for additional information. Topic Index Regulation:-- Compliance Program Implementation:-- Development (general) -- Case studies -- Communication & Participation-- Competitions-- Incentives and penalties -- Measuring ROI Types of Programs: -- Biometric screenings-- Cancer -- Chronic pain-- Dental benefits-- Diabetes-- Disability -- Disease management-- Exercise / fitness-- Flu prevention-- Obesity / weight loss -- Onsite health centers-- Sleep Deprivation -- Stress -- Smoking cessation-- Vision Care Worksite Safety:-- Injury & Disease Prevention State Issues:-- California External: CDC's Work@Health employer-based training program. Via CDC Wellness Program Compliance Checklist. Via Nixon Peabody Featured Videos Wellness Success FactorsAnthony Armando of Interactive Health explains considerations for successful wellness programs. Wellness ROI Is ImmeasurableDoug Layman, executive VP at Gilsbar Inc., says current narrowly focused views of wellness ROI miss the true business value of this type of benefit. Wellness IncentivesAlan Momeyer, VP of HR for Loews Corp., says the rewards are worth the risk of initially overpaying for wellness incentives—especially if you plan to modify payments at a later date. Health IncentivesUnion Pacific Corp. offers several rewards that encourage employees to take steps to improve their health, says Barbara Schaefer, senior VP of HR. Effective Wellness IncentivesNancy Blough, Executive VP of the American Health Data Institute, on ways to encourage participation in wellness plans. The Benefits of WellnessWellness programs benefit a company in financial and other ways, says Dan Krick, HR director at Lincoln Industries Wellness for DependentsTo control health care costs, wellness programs must reach out to employees' spouses and children, says Don Powell, CEO of the American Institute for Preventive Medicine. Wellness Efforts and UnionsNeil Gordon, M.D., chief medical and science officer for Nationwide Better Health, offers tips for effectively promoting wellness in a union environment. Points-Based Wellness ProgramsAwarding incentive points can boost participation in wellness programs and achieve lasting behavioral change, says Mindy McGrath, a VP with Maritz Inc. Smoking Cessation ProgramsCompanies that offer a package of benefits—rather than just one—are successfully helping employees to quit smoking. Compensation & Benefits e-NewsletterSign up to receive SHRM's free Comp & Benefits e-newsletter, with articles and updates four-times each month, and other Discipline e-newsletters. Sign Up Now ADVERTISING LINKS


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Spuds a la Elegant
Comment on this recipe
1 package (8 ounces) softened cream cheese
4 cups hot mashed potatoes
1 beaten egg
1/3 cup finely chopped onion
1 teaspoon salt
Dash pepper
Preheat oven to 350 degrees
Blend together cream cheese and hot mashed potatoes. Add beaten egg, onion, salt and pepper.
Bake in 1-quart casserole for 45 minutes.
Neva Emery, Prophetstown
Fruit Cake Cookies
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My family and i have just returned from an 11 night holiday at LBV. The resort is fantastic and the location could not be better.
Orlando is home to the best theme parks in the world! Visit the concierge desk in the lobby and plan your itinerary with our knowledgeable concierge staff. You can purchase all your theme park tickets at the concierge desk and save time waiting in lines at the parks. We are pleased to provide scheduled shuttle service to Walt Disney World Resort (Epcot Transportation Center), Sea World & Universal Studios. Shuttle service is included in the nominal resort fee.
****Reservations must be made 24 hours in advance****
Please contact the front desk to schedule shuttle transportation
|Disney (Epcot Only)
|Sea World
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Shuttle Service is included with your Resort Fee, on a first-come, first-served basis ONLY. Reservations are required one day in advance. Resort Management is not responsible for any missed shuttles, and guest will not be reimbursed for any transportation charges resulting from a missed shuttle. If you miss your shuttle, please call 407-293-9616 to arrange a private pickup at your own expense
Lake Buena Vista Resort is the preferred Orlando Resort of thousands of Orlando visitors every year! Our luxurious Orlando Resort offers fully furnished one, two, three and four bedroom condo style hotel suites in the heart of Orlando, Florida.
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Why You Shouldn't Let Go Of This Stock Yet
Subhadeep is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
The recent fourth quarter results declared by chip-maker Advanced Micro Devices (NYSE: AMD) only serves as a grim overall reminder of the perils of depending on a fading PC industry. It has brought down behemoths like Intel (NASDAQ: INTC), with a commanding 96% chip-based presence in the planet's computers, and now threatens to tumble smaller rival AMD with its meager 4% share. And as usual, the small guy here takes a bigger hit. If Intel has predicted a 6% fall in q-o-q revenues in the current quarter, AMD's guidance is even worse at a 9% q-o-q fall. But, like light at the end of the tunnel, the enterprise server segment, with its newly-founded dependence on the cloud, seems to have prevented a complete washout for both. In the process, it has actually helped AMD, as the company's revenues did not fall to the extent analysts had expected.
Enter PC-killers smartphones and tablets. By now, everyone who's interested in the processor manufacturing industry knows that as Intel and AMD bid farewell to PC-chip based revenues, they are aggressively turning towards newer revenue streams in the shape of chips designed for smartphones and tablets. However, what distinguishes the two and puts AMD at a disadvantage is the word 'cash'. Intel has got truckloads of it, and that gives it the guts to invest even more in plants and equipment as it adapts to a post-PC world. AMD, on the other hand, faces a further decline in its perilously low cash reserves in the current quarter.
So, is there really a way in which AMD can have an edge over Chipzilla? Thankfully, yes - the ARM Holdings (NASDAQ: ARMH) factor, as I had already mentioned in an earlier blog. ARM-designed chips are traditionally associated with low power and high efficiency, something which Intel finds tough to beat with its 'high efficiency, more power' image! After all, that's what makes ARM-designed chips readily acceptable to an overwhelming majority of companies, including Qualcomm and NVIDIA, manufacturing chips meant for mobile products. ARM is sure to give a ready-made advantage to AMD, while Intel huffs and puffs over its attempts to design more low power chips on one hand, and maintain demand for the chips coming out of its expensive fabs.
Coming back to the cash factor, I still don't see any major cause for worry. Given the employee layoffs and renegotiated agreement with its supplier Globalfoundries, I'd say AMD is doing the best it can to reign in cash under the current circumstances. The renewed agreement with Globalfoundries will enable AMD to place reduced orders for 'processed semiconductor wafers' and thus save money in the long run. And let's not forget the company's Austin-based facilities deal, which should bring in another around $200 million. Keeping this in mind, I would not be very worried about the erosion in AMD's profits, out of which $273 million can be attributed to expenses related to the change. After all, AMD already knows about the mega termination fee it'll have to pay Globalfoundries, and this is all a part of that.
As I said, AMD's doing whatever it takes, and they seem to be doing the right things too. After gunning for innovation in the name of cost-cutting, the company finally seems to have got wiser and hired some top-level engineers, primarily aimed at ramping up its SoC (System on a Chip) based efforts to target the phone and tablet industries even more. Upcoming low power products like Temash and other processors aimed at Microsoft's Windows 8-based products also serve as an early pointer to its continued efforts in this direction. This company can make it through if it manages to successfully juggle the abilities to control cash on one hand, and quicken its pace of adaption to the mobile world on the other. Don't let go of AMD yet--it does have the potential to reward your patience. Fool on!
subhadeeptech has no position in any stocks mentioned. The Motley Fool recommends Intel. The Motley Fool owns shares of Intel. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Go Back
Mary Hirsch wrote, "Humor is a rubber sword – it allows you to make a point without drawing blood." With pins shaped like swords, Interbrand London cut out jargon, celebrated rapier wit and proved excellent at swordplay.
The Verbal Identity team creates workshops for clients with expertise and passion, but found it had been some time since they'd directed that love of language to building a workshop for themselves. As the Swordplay event took shape, in an anti-silo, breaking down barriers of specialty move, the team opened the invitation to participate to the whole of Interbrand London.
Bringing in favorite pieces of writing from song lyrics to poems and comics to famous quotes, participants shared what resonated with them and the words that get stuck in their heads. Playing with words in words, such as lust in lackluster or rue in accrue, rewriting film dialogue and thinking about how very little changes can have big impact on meaning, the Swordplayers enjoyed the fun of language and felt the power of each word choice we make.
Laura Tarbox, Strategy Consultant, said, "Like a 'Magic Eye' of language, the Swordplay workshop gave me a new perspective on life, ideas and language, revealing and bringing into focus the hidden heart of words like a true love that's been right under your nose all along." Lesley Stuart-Jones, Client Manager adds, "Insightful and inspiring – fun too!! We should do more sessions like this!"
Looking at paragraphs of business jargon, Sworplayers discussed how challenging jargon makes what could be simple copy to understand and its stark lack of joyous words. Taking sword pens in hand, it was time to stake out the jargon. Rewriting the copy it was clear that a few words could easily replace a paragraph of jargon, serving as a powerful reminder of the traps all writers should avoid.
Cat Totty, Senior Consultant Writer, shared that the conversations sparked interesting questions on a business level. To the question "If clients speak formally, do we need to mirror?" Totty stresses authenticity and advises, "Don't be a chameleon. Be your professional self."
Plans are in the works for more innovative Swordplay workshops at Interbrand London, and to explore different practice areas. Sandy Jones, Client Management Intern commented, "I found it was a really creative concept, and very well planned from top to bottom. It was obviously really well prepared, especially when we were presented with words we chose at the end of the session, that was a really good touch."
"I found it especially beneficial to analyse the 'jargon' ridden text examples, and identify what is truly necessary when speaking with clients or other members of staff," Jones says. "We tend to use 20 words when 10 will do, and changing that attitude would go a long way to making work-related communication more relevant. I think everyone was really open to the concept of the exercise because it was really enjoyable but perhaps most importantly inspiring."
Joanna Jenkins, Senior Client Director, agrees, "Really got the creative verbal juices flowing. And forces the mind to look at words differently to get the most from them. Great hosts too!" Michael Quirke, Consultant Writer, concludes, "Beautifully simple and, later, even life-affirming – really enjoyed it."
For the full Swordplay workshop photo album, please visit us on Facebook.
Category: Verbal Identity and Naming
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