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The Financial Industry Regulatory Authority is warning broker-dealers not to stretch the truth when marketing "free" individual retirement accounts to investors.
In the just-released Regulatory Notice 13-23, FINRA says that some brokers are using "overly broad language" in sales materials, implying that there are no fees charged to investors who have accounts with the firms. In other instances, FINRA says that "specific fees that are not charged are highlighted and separated from disclosure regarding other fees that may be charged," which may "mislead investors" regarding the cost of opening, maintaining or closing an account.
Broker-dealers' marketing campaigns "often emphasize that fees are not charged in connection with their retail brokerage accounts and IRAs," FINRA states.
However, FINRA states that because closing and maintaining accounts typically involve some cost to investors, either associated with the account itself, the underlying investments or the services of the broker-dealer, "it would generally be inconsistent with FINRA Rule 2210's requirements to claim or imply that accounts are 'free.'"
For example, referring to an IRA account as a "free IRA" or "no-fee IRA" where costs exist would fail to comply with Rule 2210's prohibition of false, exaggerated, unwarranted, promissory or misleading statements or claims, the self-regulator says.
Rule 2210 also requires that communications provide "a sound basis for evaluating the facts with respect to any product or service," FINRA notice states. Accordingly, "claims regarding fees must be accompanied by clear disclosure of the types of fees that may be charged."
The notice gives this example. If an account offered by a broker-dealer involves account maintenance and closing fees, fees associated with the ownership of investments in the account or brokerage service fees, a stand-alone claim such as "Start investing for less with no account opening fees" would not comply with the rule.
The claim could be compliant, however, if it explained other fees that applied, the notice says. For example, the following modified claim may be fair and balanced: "Start investing for less with no account opening fee. Other account fees, fund expenses, brokerage commissions and service fees may apply."
Check out BDCs, Maligned by Regulators, Find a Champion on ThinkAdvisor.


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CJTF-OIR strike on Daesh Bed Down Location near Ninewah, Iraq.
Warning Call to Hospital Before IDF Strike
Hamas has turned Wafa Hospital into a command center and a rocket-launching site. Hamas has fired at Israel and at IDF forces from the hospital. As a result, the IDF repeatedly conveyed warnings to the hospital staff and urged civilians to leave the area. Hamas continued firing from the hospital. In response, the IDF targeted specific sites and terrorists within the hospital grounds. Secondary explosions can be seen, confirming IDF intelligence about the site.

subset: commoncrawl


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The best kind of snow day is when you can actually play in the snow.
Last week provided a miserable welcome to the new semester. Snow, high winds, and bitter cold meant that the Montessori School of Greater Lafayette was in session for only 20 out of a possible 40 hours over four days. Our staff did its best to maintain communication with the families and those families were very understanding. There were, however, a few questions about how we respond to Indiana's volatile winter weather at MSGL.
The question of the week was "If the weather continues like this, can we expect to continue having so many delays and closures?" The short answer is, "yes." But how are decisions about school delays made? That's a longer answer.
I would have thought this to be a very elementary understanding. Doesn't everyone know when it's too dangerous to take the kids to school? But when I found myself working as MSGL's "Weather Delay Intern" last week, I discovered that many factors contribute to a closing or delay, and they are not always obvious to everyone.
First, there are no hard and fast rules for determining if conditions are too dangerous for school. Everything depends on timing. Temperatures below -12F are a general cut-off if people are going to be outside for more than a few minutes. However, if the roads are clear and the temperatures are on the rise at 8 a.m., then -12F might be acceptable at arrival. High winds could change that, of course. Roads that are clear now may not be clear when morning classes dismiss. Or they might be passable in town, but dangerous out in the country. And all of this has to be considered over the course of our 10-hour day.
MSGL can't follow the determinations of local school districts because they have special considerations - such as bus transportation and a large number of students who walk to school. Generally, MSGL can be in session more frequently than the public schools.
The weather is just one component of a weather-related school delay. Preparation of facilities and the safety of our staff are two others. And our families themselves are an important consideration.
Facilities: The parking lot and sidewalks must be clear of snow and ice before staff and families arrive. Our school is a small, not-for-profit, parent-owned school. A small core of people manage the day-to-day operations of the school and the needs of over 500 people. This is why we rely on a private company to clear the parking lot, sidewalks, and steps of snow and ice. That company serves several other businesses each day AND it needs two hours to clear MSGL after a snow or ice event. As an example, if the snow stops falling at 6 a.m. on a school day and we are third on the list for snow removal, school cannot open at 7:30. The ability of our snow removal contractor to clear our lot and paths before we arrive is a major determinant of our start time.
Cultural Considerations: Another little-known factor is our region's cultural relationship with winter weather. As one parent said, "I grew up in Vermont. We don't cancel school there." Indiana's threshold for tolerating winter weather might be a bit lower than other cold places because we don't see as many snowy days and our street departments are not equipped for a large quantity of snow on a regular basis. And because the majority of the West Lafayette community is made up of faculty or students from Purdue University, we also have a lot of families who come from places with absolutely no snow, ice, or cold temperatures. It can take these families a few snowy days to get the hang of dressing for the weather and driving in it. We are more comfortable with snow than Los Angeles, but less comfortable than Montpelier - and that makes a difference in how we respond to it.
Staff: Teachers and staff need to be able to travel safely and arrive at school before the children. Our staff are dedicated to their jobs and they want to be at school. While it's easy to imagine teachers being excited to have a snow day, the reality is that the majority of our teachers have school-aged children of their own. Just like MSGL families, the teachers have to scramble to get their children safely to school in case of a delay or to arrange other care if public schools cancel and MSGL is in session.
Many of our staff live outside of city limits and travel county roads to get to work, so their ability to arrive safely is always a top priority. Delaying the start of school allows them to get out of their driveways and travel potentially hazardous roads in daylight so they can be here when the families arrive. We could call on substitute teachers to work for staff who cannot make it to school, but our substitute teachers are also home with their children on these days. Operating without adequate staff is not an option so we need to be sure all of our teachers can get to school.
Forecasted weather: Conditions throughout the day, and not just at arrival, need to be considered to determine closures and delays. The weather may be clear at morning arrival, but if incoming snow and/or ice and wind threaten later in the day, staff and children could become stranded at school or out on the roads. The administration must take into account the anticipated timing of dangerous weather and sometimes cancel classes in advance of this weather (even if that bad weather never fully materializes.)
Our early arrival and after school programs are the first to be cancelled because MSGL is a school and not a daycare facility. We do offer before and after-care programs that can function as full-day care for families, but our primary function is that of a school. This means being open during class time from 8:30 - 3:00 takes priority over being open before and after class.
We understand that it is frustrating to wake up to a school delay or cancellation. Our Montessori parents have jobs, commitments, and plans and not being able to leave their children in our care causes real problems for them. That being said, MSGL is a parent-owned school. We were started by parents over 40 years ago and all current MSGL families are the current owners of the school. If you are reading this and you have children enrolled at our school, you are one of the owners of the Montessori School of Greater Lafayette. With that ownership, come some responsibilities.
What can MSGL families do to help?
1. Stay informed - before school and during the day. We announce delays, cancellations, and early dismissals through many different sources. Here is a listing.
2. Offer help, if you can. If you have some time after bringing your child to school on a wintry day, you might:
If possible, we would prefer to be able to control the climate and prepare the outdoor environment as carefully as we prepare our students' learning environments. But the realities of winter weather require our staff and families to be vigilant, flexible, and patient with weather events - and the timing of those events - over which we have no control.
And if you, like me, are curious how the large, public school districts determine delays, this video from Louisville, KY is interesting.
Thanks for reading, ~Heather
The s-word is in our forecast this week. I don't know anyone who is happy about the October SNOW except for my allergy-suffering friends. With the snow come cold temperatures and at MSGL we play outside year-round, so it's important for children to have warm and practical clothing to wear every day. For the past 12 years I greeted the children on the playground at 8:30 am, snow or shine. To help you prepare for this week and the next six months (it hurts me to say that), I have compiled for you:
Miss Heather's Top 10 List for Child Comfort and Parent Happiness: Winter Edition
1. Check the forecast. Every class - Toddler through Elementary - goes outside when the temperature is 20 degrees Fahrenheit or above. Check the weather forecast each day before leaving the house to make sure your child will have the appropriate cold-weather gear for that day.
2. Go with the low. Consider the time of day your child will be outside. The forecast may call for a high temp. of 63 degrees, but the temperature at 8:30 am might only be in the 40's. Some classes start outside, some go out at 10:15, some at 11:00. The afternoon and Elementary classes go out at varying times throughout the week. Provide clothing for the day's low temperature and your child should be well-prepared.
3. Layer, layer, layer. Imagine your child as a cute, rosy-cheeked onion and help her dress in layers. Being hot and sweaty outside in the cold is just as uncomfortable as shivering. If your child can take off a sweater or push back her hood and unzip her coat, she will be able to regulate her body temperature and still enjoy the time outside.
4. Listen to your child. Trust your child to make decisions about his comfort. The only way we can learn if we are too cold is if we are allowed to feel the cold. If your child doesn't want to wear his gloves, don't sweat it. Make sure he knows his gloves are in his locker and that he can go get them if he gets cold. The same goes for his snow pants and his bulky winter coat. An active child dressed in layers with warm shoes and a hat can generally enjoy himself outside without danger of getting too cold, even in winter. If your child is listening to his body instead of chafing under a "mitten mandate" he is more likely to develop a true sense of how to dress for the weather. My friend "Z" always told his dad he didn't want to wear his coat or his snow pants or his gloves, but 10 minutes after dad left, Z would ask to go get them.
5. Start a discussion. Talk with your child about the day's weather and how to dress. Remember that the ultimate goals are safety and independence. You might say something like, "It's 30 degrees Fahrenheit. You definitely need to wear something on your hands, but you can choose if you wear your Spiderman gloves or the mittens Grandma made for you." Or try, "It's going to be 45 degrees when you go outside today. What should you pack for school?" Young children can learn to speak three languages at once. They can also learn to make clothing choices based on the outdoor temperature.
6. Get a move-on. Remember that your child is most likely playing actively outside. We might feel very cold walking from the car to the school door in a suit or a skirt and heels, but a child riding a balance bike for 10 minutes heats up very quickly.
7. Consider cold pants. Snow pants or snow suits are essential when there is snow on the ground, but some children (and some preschool teachers) like to wear them as soon as they can see their breath outside. Think of them as "cold pants" and let your child keep them in his locker from October through April.
8. Label everything. Speaking of lockers, our lockers are small. When two children share a locker it's nearly impossible to fit snow pants, coats, book bags and lunch boxes inside. PLEASE make sure every article of clothing you send to school has your child's name or your family's last name written on it where it's easy to read. All black snow pants and all Spiderman gloves look the same when there are 24 children getting dressed in the hallway. If you forget, your child's teacher will be happy to loan you a Sharpie and some masking tape.
9. Embrace the terrific outdoors. Spending time outdoors is important for everyone's health and well-being. We do not have a gym and children may not stay inside by themselves. If your child is recovering from an illness and you don't want her to be outside, please make arrangements to drop her off late or pick her up early, depending on the class schedule.
10. Stock up. Have extra winter clothing on hand, if possible. The first Snow Day of the year is much less fun when your child has left her snow pants at school. And plan to lose at least one set of gloves. If you buy three identical sets of gloves, odds are you will have at least one matching set at the end of the year. Just in case, the Lost and Found box is in the office.
If you recently moved to West Lafayette from somewhere warm and lovely, I am so sorry! But seriously, you can stock up on all the clothing your family needs to get through your first Indiana winter at J.C. Penney, Sears, Target, KMart, or Walmart. You can purchase gently-used childrens' outerwear at Once Upon a Child in Lafayette.
Below are some examples of items your child will need.
Thanks for reading and bring on the snow!


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In the first part of our post, we ran through the cheap and basic. Today, we'll cover more comprehensive planning models.
Ideally, comprehensive financial planning services for today's young professionals should be implemented with a more clearly defined niche; it could be tied to a particular large employer in the area, a certain type of business or industry that's popular (e.g., computer programmers in Silicon Valley, or young doctors at the area hospitals), or simply a common planning scenario (e.g., parents starting a family and having their first child).
The key is that by having a niche, you will be able to clearly demonstrate yourself as an expert in the particular type of clients you (wish to) work with; otherwise, you will struggle to bring in clients competing with every other local young insurance agent or mutual fund salesperson. In addition, having a clear niche makes you more referable to prospective clients.
Notably, this business model could be attached to the preceding one, with a retainer to provide an initial baseline of income. However, the reality is that if there is already opportunity to generate revenue by implementing recommendations for clients, there isn't necessarily a need to charge clients upfront or on an ongoing basis as well. Instead, that may lead to ultimately charging them more than is necessary, or cause them to balk at an upfront retainer fee and not engage in the planning work that would have led to more revenue-implementing solutions that the clients needed anyway.
In other words, it's not just how much you charge, but also making good decisions about how you charge, and the saliency of your pricing model, that ensures the success of the business.
Wealth Management for the Emerging Affluent
The greatest irony to the number of RIA firms that have $1 million investment management minimums is that virtually all of them started with much lower minimums, and were able to serve those clients profitably enough to not only be successful and survive as a business, but thrive and grow to the point where the firm could establish higher minimums. Thus, the core value of this business model is simply to get "back to basics"—providing wealth management in the form of comprehensive financial planning plus investment management services to today's emerging affluent, who might "merely" have $100,000 to $500,000 of assets to manage, rather than a million or few.
This business model would start with a state RIA registration, and requires a relationship with a custodian that will be friendly to a new startup RIA (such as TD Ameritrade Institutional, ScottTrade Advisor Services or SSG), and setting up a fee schedule that might be 1% to 1.5% of AUM (typical for "lower" levels of net worth). Given the available assets of clients involved, this would lead to revenue of $1,500 to $5,000+ per client, which actually means this business model may ultimately be able to generate the widest profit margins as it grows to gross revenue that may reach $500,000 or more for the same 150 "maximum" number of clients. Notably, this model will (or should) still have some asset minimums, and from that regard it may be more limited in the number of potential clients than the preceding models. On the other hand, the reality is that there's still a wide swath of "mass affluent" individuals, many of whom are Gen X (and perhaps some Gen Y), with at least $100,000 but less than the minimums of large RIAs.
As with the preceding model, having a clear niche will help this model to succeed, although ironically one of the best "niche" opportunities is to simply develop relationships with other RIAs in the area that have higher minimums, to demonstrate that your firm is ready and willing to provide quality financial planning and investment management services to those clients who don't meet the larger firm's minimums. By building relationships with key firms and centers of influence within the local membership associations (e.g., FPA, NAPFA, or SFSP) it's possible to generate a flow of new clients simply via referrals from other advisors, who are often happy to refer out the clients below their minimums to peers who they trust will do a good job.
In addition, this business can also be overlaid with the first model—offering a minimum ongoing retainer for any clients who want to work with the advisor, which is replaced by AUM fees as the client's investment assets grow. However, as I've written in the past, all else being equal an AUM model will tend to be more financially successful than a retainer model, so the point here would be for a retainer to provide a minimum fee per client for what is otherwise still primarily an AUM model.
It's also worth noting that creating business models that have too many choices for how the advisor gets paid can also be problematic, as clients become paralyzed by the paradox of choice and become unable to make a decision at all. In other words, simplicity reins in this regard, and represents an opportunity to help clients through their sometimes irrational decision-making process, so the model shouldn't offer too many different choices at once that may be confusing to both prospective clients and potential referrers.
Growing a Successful Gen X/Gen Y Practice
Ultimately, the reality is that it's not actually that difficult to create a business model that can effectively serve Gen X or Gen Y and still be profitable, especially if the business is built lean from the start with a goal of establishing a steady income for the owner. All of these business models can generate a reasonable amount of net income for a financial planner, with some or all of the income recurring annually for further stability. Instead, the key—or alternatively, the great challenge—of building a successful practice is really about the ability to market and grow the practice to generate a sufficient number of clients in the first place. In fact, the reality is that "marketing challenges" is already the primary reason that financial planners fail to serve the majority of Americans. Simply put, the difficulty is not how to be profitable serving the majority of Americans, but how to reach enough of them to serve in the first place.
Accordingly, this article suggests not only some business models, but also some guidance about how to market and position them, which can then be supplemented by networking and referral strategies, social media- and blogging-based inbound marketing strategies for financial planners, and more. Although without a doubt, the rise of technology and the digital age for financial planners, with the explosion of outsourcing options, makes it easier than ever to build a profitable practice focused on Gen X and Gen Y.


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Celebrity News For March 5, 2015 | Late Edition
India Banned the Fifty Shades of Grey Movie
- India didn't even like the edited version of Fifty Shades — Us Weekly
- This Clueless star was almost cast in Titanic — HuffPost Celebrity
- Find out about Nicholas Hoult's latest project — Lainey Gossip
- Which star was Cupid for Kristen Bell and Dax Shepard? — Dlisted
- Demi Lovato talks about a possible Eminem collaboration — ET
- Rosie Huntington-Whiteley is well aware of her privilege — JustJared
- Eva Longoria is still in magnificent shape — Hollywood Tuna
- Guess which celebrity quit Instagram? — Pink Is the New Blog
- Chelsea Handler did not get a breast lift, OK? — The Superficial


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Number of Shelves
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Balt Makerspace 3D Printer Cart
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Our laboratory cabinets are designed to last through many years of heavy daily use. Lab cabinets with work surfaces are designed for the safe handling of chemicals, flammable liquids, and other materials. The laboratory furniture in our collection offers the durability, safety, and convenience you need.
Should I get wood or glass lab cabinets?
Freestanding cabinets provide lots of storage space for lab equipment large and small. Glass doors enable easy viewing of contents so they don't need to be opened unnecessarily. Glass laboratory cabinets are built with tempered glass for maximum safety. In the unlikely event that it cracks, tempered glass breaks evenly into pebbles rather than shards to prevent potential harm to students. Glass door lab storage is available in one- and two-door models.
Our chemical storage cabinets are also available with a full opaque wooden door option. This choice is optimal for the more budget-conscious school, offering the same secure storage at a significantly lower price. Most of our cabinets also feature adjustable shelves.
What kind of surface should I have on top of base cabinets?
Not every surface is safe for use in a lab, that's why it's important to make sure that you order lab cabinets that are specially-designed for use with chemicals. Base cabinets from Diversified Woodcrafts offer the double convenience of great lab storage and a chemical-resistant work surface. They can be ganged together for a wall of cabinets.
Base cabinets come with doors, drawers or a combination of the two. Doors with shelving work well with larger supplies, while drawers are better for small lab equipment such as test tubes, pipettes and petri dishes. If you need both types of storage, order a lab cabinet that has both, or purchase multiple units with different configurations.
Looking to save space on your floor plan? Need additional storage? Wall cabinets leave your floor space open while providing secure storage for your experiment supplies. They are available with solid oak or glass doors. Shatter-resistant safety glass facilitates easy content viewing.
How can I secure flammable liquids in the science lab?
Flammable liquid storage cabinets from Edsal are a must-have for any lab that has flammable liquids, especially one with students. Leak-proof doors ensure that nothing will spill out. These brightly-colored cabinets have a highly-visible warning on the outside so everyone is aware of their contents and makes sure to handle them safely.
How can I store petri dishes and small lab supplies?
Tote tray storage cabinets offer a great way to stay organized. Their high capacity enables you to keep small supplies and experiments organized. You may even consider giving a personal tray to each student. If small experiments are left out on the counters they may become contaminated or damaged. Tote trays will keep petri dishes organized so it is easier to keep track of results and you don't have to worry about accidental spills or damages.
What is a safe way to move around lab supplies?
For a movable option, try mobile storage cabinets. These convenient units can be rolled onto location as needed and locked in place. Locking casters enable chemical-resistant tops to be used as an extra work surface. Mobile cabinets are available with either regular cabinet doors or sliding doors.
Specialized portable storage is available as well. Our microscope cabinets hold up to 24 microscopes. They feature secure shelving that will keep expensive equipment safe from damage. For extra convenience, we also have a cabinet that holds 16 cordless microscopes and includes a built-in charging station.
Hertz Furniture has everything you need to keep a student science lab organized and create the perfect layout for learning. Our selection of lab cabinets and storage solutions includes many excellent choices. Unsure about how to choose the right laboratory furniture? The experts on the Hertz Project Solutions team are ready to help you find the best solution for your space.


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First off, this is the second time in four comics that Mr. Hat has made us suspend a crazy amount of disbelief (particularly in the alt-text) while he goes about his crazy scheme. Sure, he can just put that dude in a vacuum, why not!
Hey, here's another occasion where some visual cues would be nice! What if in order to see that he was making a vacuum, you had some stuff (office supplies, paper, text books) also getting sucked out of the dome? As it is vacuum-dome and filled-with-delicious-breathable-air dome look exactly the same, and we have no idea what is happening with that "whoosh" until the end. ALSO we have no idea that guy will turn out to be a physics professor. He looks the same age etc as all the xkcd characters.
The last three words of this comic are typical post-punchline waste (PS if i make a new category page for post-punchline dialog, will you all help me populate it?), and in fact having that girl there at all (is she Mrs. Hat? WE DON'T KNOW because without her hat she looks JUST LIKE EVERY OTHER GIRL randall draws!) is not needed. Why is there a black panel at the beginning? To show that he was blacked out? Going from "all black" to "entirely visible" is not the best way to represent that, visually.
why does the laptop not get sucked out along with the air? there's no friction there so shouldn't it come out with everything else?
Lastly, this whole thing mostly just reminded me of the Magic School Bus episode (HELL YES magic school bus!) where they play baseball in a frictionless stadium, or at least, attempt to and fail miserably and end up learning about the importance of friction. Oh magic school bus. You taught be so much about science.


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Another email trying to leverage social media. This one provides a link to the Obama campaign website with the supposedly enticing teaser "How many people with your name have voted already?" To get the answer, you have to click on a button that takes you to a page where you're supposed to log into Facebook, and the fine print says:
THIS APP WILL RECEIVE:And: "By proceeding, you agree to Obama 2012's Terms of Service and Privacy Policy ..."
Your basic info
Your email address (firstname.lastname@example.com)
Your profile info: birthday, likes and location
Your photos
Friends' profile info: birthdays, likes and locations
Photos shared with you
So if you fell for the fun idea of seeing your damned name connected to a number and impulsively logged into Facebook, you just gave the campaign all that personal information and you agreed to... who knows what?
Active Collection: Personal information may be collected in a number of ways when you visit our Sites. We collect certain information you voluntarily provide to us, such as when you create an account or a profile, make a donation, make a purchase, send us an email or sign up to receive email or text message updates, fill out a form, connect through a social feed, sign up to be a volunteer or host an event, request information, apply for an internship, or use a voter registration form tool. Such information may include personal information, such as your name, mailing address, email address, phone number, geographic location, and credit card information. We may also collect demographic information you may voluntarily provide from time to time, such as in response to questionnaires and surveys, including gender, ethnicity, education, and interest information. If this information is tied to personally identifiable information, it will be treated as personal information. Personal and demographic information may also be collected if you provide such information in connection with creating a profile or group, leaving comments, posting blog comments or other content, sending an email or message to another user, or participating in any interactive forums or features on the Sites. In addition, from time to time we may collect demographic, contact or other personal information you provide in connection with your participation in surveys, contests, games, promotions, and other activities on the Sites. We may also obtain information from other sources and combine that with information we collect on our Sites.Does that boldface say they are mining the text of email and messages sent on Facebook for personal information?
Ann — this is cool...
The future is cool. Big Brother


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This all happened on a weekend trip lasting less than 72 hours: a marriage proposal overlooking a breathtaking valley in front of a group of strangers, a hiker overcoming her fear of vertigo and another climbing a rock face no wider than a five-foot coffee table using her bare hands.
Most remarkable of all though was the discovery of a new "drug" that delivers sheer happiness, with no side-effects. Such is the powerful seduction of heli-hiking.
We were an eclectic group of like-minded strangers on this adventure -- a three-day helihiking trip to Bugaboo Lodge with Canadian Mountain Holidays. We first-timers knew little of what to expect, only that each morning we'd pull on our hiking boots and put one foot in front of the other in places few humans had ever trod. For those of us new to hiking closer to heaven, there were plenty of other surprises in store: that we'd traverse valleys you might imagine could only exist in a fantasy novel, or that it is possible to scramble up the side of a mountain covered in boulders the size of Mini Coopers.
Two in our group were hard-core climbers and hikers, and there would be no holding them back. After the first hike on Day 1, we were divided into groups based on physical ability. We'd all get a chance to hike in our comfort zone and, if we felt like it, push beyond that.
That's what Dave Cochrane, the folksy and likable general manager of the Bugaboo Lodge told us upon our arrival along with our affable helicopter pilot, Don Wederfort, who'd just effortlessly threaded the chopper between two rocky pinnacles on our way from the heli-pad in Radium to the lodge in the Columbia Mountains. It would be the first of a dozen of his helicoptering feats in the Bell 212 that weekend that would earn our respect. We also envied him his "office," atop random peaks while waiting to pick us up for the next stop.
Over a hearty, family style lunch in our first hour at Bugaboo Lodge, we had our introduction to the weekend and more of Wederfort's laid-back humour.
"It's my responsibility to get your guides high," he said, garnering boisterous laughter -- and likely the odd nervous titter.
He wasn't kidding about the heady buzz that comes with a one-two punch of gob-smacking scenery above 2,500 metres. It felt like we were on our very own planet -- nothing but mountains and valleys for miles in all directions.
On our introductory drop-off, we landed in a wide valley, where the remains of the summer's wildflowers swayed in the breeze and a squiggly stream meandered as far as the eye could see.
Up and over and into yet another valley, we put down our hiking polls and rested in the grass, conversation stilled as we looked across the valley in awe of hanging glaciers and hidden lakes beneath a deep blue sky.
Suddenly, a young man from our group got down on bended knee in front of his girlfriend, pulled a tiny box from his pocket and asked the question. There were tears -- from the bride-to-be -- and applause from the rest of us. It set a celebratory mood for the rest of the weekend that included a series of individual victorious feats.
None of these mountain moments would be possible, though, if not for an Austrian guide named Hans Gmoser, who created heli-skiing in Western Canada in 1965. The Bugaboo Lodge became the base of his first winter operation. Today, lifelong skier and hiker Dave Cochrane, an experienced mountain man, who decades earlier had come west for a holiday from Eastern Canada and never returned home, hosts skiers and hikers from around the world.
CMH hosts each year about 5,800 skiers seeking acres of untouched champagne powder on remote mountain bowls. From mid-December to the end of April, a dozen lodges operated by CMH accommodate these thrill-seekers. (Nine are back-country lodges, while three others are based in small B.C. towns).
The heli-hiking operation sees about one-fifth of those numbers from early July to mid-September out of two lodges -- Bugaboo and Bobbie Burns -- about a day's hike distance from each other.
The Bugaboo Lodge was our aerie-like retreat for the weekend in a setting at 1,500 metres at the foot of the glacier of the same name.
No longer can the 44-room lodge be called rustic, having gone through four renovations since its modest roots more than four decades ago. Hikers and skiers can rest their weary bodies in the rooftop whirlpool, practise moves on a climbing wall, sit before a roaring fire in the cosy games room, get a massage and even check on their e-mail if they just can't leave the busy world behind.
When the bell clangs for the morning stretch class followed by an epic buffet breakfast befitting champion hikers, it might be tempting to pull up an Adirondack chair and read a book. But this isn't what a heli-hiking trip is all about.
It's about getting out there and seeing your reflection in an alpine lake or cooling your feet in another one after a morning of scrambling around in the scree.
The rigorously trained guides are good-natured, practised in patience, taking up whatever pace the group desires. They also love to tell a good anecdote about a harrowing rescue or riffing on the flora and fauna. Inexperienced hikers will learn helpful insights into preserving energy while climbing and how best to strategize the path of least resistance up the side of a mountain.
Getting to the top has its rewards, too. Like the day we were greeted by a melting ice cave that had created a frosty pool of water, perfect for cooling down our sweaty feet.
There we sat speechless, yet again, taking in the immense beauty of it all.
I instantly understood why Charlie, the one octogenarian in our group, had done this trip eight times, even though he lives close to the Sierra Nevada Mountains in California.
"I love it. It's hard to explain why you'd go to the mountains when I live in the mountains. It's like coming home to me."
He's right in a spiritual sense, too. It's as close to heaven as you'll get on earth.
What it costs: Heli-hiking is a pricey weekend holiday for most travellers. But when I added up the dozen helicopter rides, the outstanding breakfasts, lunches made daily for hikes, dinners, comfy accommodations, personal touch and camaraderie, it seemed like a fair price. Weekends in summer start around $2,000 and around $1,800 in September.
What to bring: You might want to bring your own hiking gear, but CMH will provide everything: hiking boots, poles, rain gear, water bottles and daypacks.
Summer outings: CMH offers a host of special event weekends that include heli-yoga, painting in the mountains or hiking with specialists such as Roberta Bondar. Go to canadianmountainholidays.com for details.


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Gray surface purple side wholesaleairtrack airspots, best air track for gymnastics
|Purple Wholesaleairtrack Airspots
|70*10cm / 2.3'Lx0.33'H(ft)
|repair kit (not include air pump)
|Shipping Cost:
|Free shipping to the United States, Canada, Europe, Australia, New Zealand.
|Free Logo Printing:
|Please add a note to your order for the logo printing in your cart before check out, and send the logo picture to our email: firstname.lastname@example.com
|Delivery time:
|our air track will be shipped out within 7 working days, you can receive your order within 12 working days after payment.
|2-year quality guarantee
|Import duties:
|Please be noted that import duties are not included in the item price or shipping charges.
Free Shipping Worldwide
In order to offer premium quality items, all the products will be shipped directly from our factories to Wholesaleairtrack and then after careful checking, We will ship the item out.
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Usually handling time may take 7 working days. Once the item is shipped out, we will send you an email.
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Handling time is excluded in the shipping time
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For the cardholder's protection, the company reserves the right to send orders to the billing address if a differing shipping address cannot be verified.
We are not responsible for any duties, taxes, or additional charges that may be charged by Customs for any International deliveries.
You can always contact our staff for more information.
1) What is the price currency?
Price in US dollars.
2)When is the estimated time of arrival?
The item will arrive within 16 working days after payment.
3)What is your payment terms?
Paypal and credit card.
4)What color can I choose?
Any color you want.
5)How about import duties?
Please be noted that import duty is not included in the item price or shipping charges.
6)Are you the manufacturer of the AirTracks?
Yes, our AirTracks are made of top quality, strength materials, which used for inflatable boat production.
The AirTracks are all hand-made by industry specialist and undergo a well-round and strict quality control.
Blowing up for 16 hours in the factory for the pressure test to ensure airtight seals before shipment with the finished pictures or video of the AirTrack for every customer.
7)What type of material for AirTracks?
We use the best quality material for AirTracks, called Double Wall Fabric (DWF), consisting of 2 layers of coated vinyl with thousands of threads connecting the two layers (80.000 per M2!).
8)What's the difference between P1, P2, and P3?
P1: The 10 cm thickness AirFloor is our thinnest air track.
It's great for gymnastics, cheerleading, martial arts, senior gym and school sports, as its movability and stability to make it perfectly good for these activities.
It feels like doing the exercises on the floor, but it is bouncier than a spring floor so that the AirFloor can offer a special training experience.
P2: 20cm thickness air track. The ideal mat for medium and advanced athletes.
The AirTrack P2 is the middle thickness mat. It's bouncier than P1 AirFloor but less bounce than P3, soft and bounce, good for flips, tumbling practice.
P3: 30cm thickness air track. Our most thickest AirTrack is the most versatile and bounce air track.
You can do a slow and easy bounce.
9)What guarantees are there?
2-year for warranty and free repair kits.
10)What does 2-year warranty cover?
Our warranty covers manufacturer defects, non-man made damage to all parts, including seams and surface.
Problems rarely occur by the normal use, but when there's an accident damage or leaking by the longtime use, the repair usually takes no longer than 10mins with the help of a repair kit and video we'll provide you with.
1. As the biggest air track gymnastics manufacturer, we have been focused on producing air track for 9 years. Since our technology has been highly advanced and mature after 9-year improvement, the air tracks we offer are higher-quality, better-looking, and more durable.
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6. The warranty for our airtracks is two years. The repair kit will be sent to you for free, in case you accidentally scratch the air track while using, it will be easy and safe to repair.
7. Each gym air track will be delivered with a special bag for free, which will protect it during transportation and make it easier for you to carry later.
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The single appeared on The Joshua Tree and Rattle and Hum albums and Best of 1980-1990/B-sides compilation. The working title of the song was originally Under The Weather and initially had a different melody. It was played for the first time live in Tempe, Arizona on April 2, 1987 in The Joshua Tree tour opener: Bono added snippets of Bob Marley's Exodus and Three Little Birds. The version that appeared on the Rattle and Hum album is from the September 28, 1987 concert at Madison Square Garden. The Harlem gospel choir New Voices of Freedom joined U2 onstage to perform the song. The choir would later record their own version of the song for their album Rockspel.
This is U2's most covered song followed by With Or Without You. Cher opened her 1999 Believe tour with a live rendition, which was more up-tempo and featured an electric guitar solo. Seal and Steve Winwood also covered the song at Wembley Stadium in August 1997. Their version appears on the album Songs and Visions. The song also appears on the following albums: Big Daddy's Cutting Their Own Grove; Chumbawamba's No Compromise; Booker T & The MG's, That's The Way It Should Be; the Royal Philharmonic Orchestra's Pride: The RPO Plays U2; Studio 99's The Best of U2 - A Tribute; The Chosen on Zoovenir - A Tribute to U2; the Washington University Pikers' on 4th And Ten with an a cappella version; The London Symphony Orchestra's The Best of Classic Rock; Robin Crow's Electric Cinema; Paul Brooks' Celtic Dreams; Dale Ann Bradley's East Kentucky Morning in a bluegrass style with a banjo solo; Cecilio and Kapono's Summerlust; The Chimes' The Chimes, and Cloning Einstein on their self-titled debut album. The Chimes also released a single with two mixes. Badesalz also released a single of I Still Haven't Found What I'm Looking For. A controversial cover of the song was a kazoo-version performed by the group Negativland in 1991. Island Records felt that the cover artwork - featuring a huge U2 - would mislead fans and obtained an injunction to prevent further distribution. It featured in the movie - but was not on the soundtrack - for Blown Away and is in both the movie and soundtrack to Runaway Bride.
The single became U2's second No. 1 on Billboard's Hot 100 chart and peaked at No. 6 on the UK singles chart. It was placed third in the 1987 Rolling Stone Magazine Readers Picks for Best Single and was nominated for two Grammys as Best Single of the Year and Best Record of the Year.
Producer Daniel Lanois and Brian Eno
'We were listening to some gospel during The Joshua Tree sessions. I remember The Mighty Clouds and the Rev Cleveland and the Staple Singers....
'The original was more loose, almost Jamaican. Bono hit on the melody and I had the title in a notebook. At first no-one took it that seriously because it sounded so unlike anything we'd ever done and it didn't gel until the mix, but when it was finished we all realised that we had something special. The reviewers didn't like it though. One American said it was a pale imitation of the original form and that Foreigner song I Want To Know What Love Is was better.'
Edge speaking to Q Magazine, December 1998


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What: Honey is a saccharic secretion gathered and stored by honey bees, Apis mellifera. (EWG). It is widely used as a natural sweetener for food and drink, as well as an ingredient in cooking. Honey is also used as a treatment for sore throats, coughs, and may help reduce swelling, scarring, and speed wound healing.
Honey is used in cosmetics as a flavoring agent, humectant (to preserve the moisture content of skin), skin conditioning agent, emollient, moisturizer, for color and as an emollient. (EWG). The substance stimulates cytokine production which aids in healing and contains natural anti-bacterial properties. Honey is also said to be an effective acne treatment, as it does not strip the skin of natural oils like many conventional acne treatments.
Honey also appears to have strong antimicrobial properties, helping to prevent the growth of certain bacteria on the skin. This is partially due to its high sugar content which limits the amount of water available for the growth of bacteria.
Origin: Honey is derived from the nectar of flowers. (EWG).
Products Found In: Moisturizers, lip treatments, ointments, acne treatments, anti-aging treatments, facial masks.
Toxicity: Honey is generally classified as non-toxic or harmful. Honey can cause an allergic reaction in some. Should never be fed to an infant. (EWG).


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| 8.7°C Dublin
One Direction star Louis Tomlinson has admitted that despite their popularity, the boyband don't always feel that they deserve their global success.
The band finished their UK tour by headlining three nights at Wembley Stadium in June.
And Louis told The Sun: "I feel like we've blagged it again.
"You look at the names of who's played at Wembley and you almost feel like you're not worthy of it.
"We just feel like we're just little scumbags."
His bandmate Liam Payne told the newspaper: "For people like us to be playing stadiums, it's just the biggest thing in the world."
PA Media


text: Tuesday, August 09, 2011 Modest, Achievable Levels of Activity Provide Most Benefit for CHD Risk The first meta-analysis to specifically examine the dose-response relationship between physical activity and risk reduction for coronary heart disease (CHD) found that the most benefit for CHD risk occurs at very modest, achievable levels of physical activity, says a Heartwire article based on a study published online this month in Circulation. This review included 26 studies published in English since 1995, 9 of which allowed for quantitative estimates of leisure-time physical activity. According to the data, people who engage in the equivalent of 150 minutes of moderate-intensity exercise per week—the basic minimum as recommended by 2008 US federal guidelines—had a 14% lower CHD risk, and those who achieved 300 minutes per week had a 20% lower risk of CHD, compared with sedentary individuals. People who engaged in more than the advanced amount of exercise (750 minutes per week of moderate intensity exercise; 5 times the minimum recommended amount) had about a 25% reduction in risk of CHD. In addition, the researchers found that people who were physically active at levels lower than the minimum recommended also had a significantly lower risk of CHD, compared with people who did were not active at all. The cardiovascular benefits of exercise appeared to be stronger in women than in men, although the authors say they don't have any plausible explanation for this finding. Also, there were insufficient data to examine the effect of age at baseline or race on the relationship between physical activity and CHD risk, the article says.


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- Stock #: LA021319
- Trim: 1700 VOYAGER ABS
- Kilometers: 0
- Exterior Color: METALLIC PHANTOM SILVER/METALLIC CARBON GRAY
- Engine: 4-stroke, V-Twin -1,700cc
Fast Financing Request a Test Drive Email a Friend Quick Click Inquiry Quick Quote Print Vehicle
Jim Gilbert's Wheels and Deals
402 St Mary's Street
Fredericton, New Brunswick
Phone: (506) 459-6832
* All advertised prices exclude government fees and taxes, any finance charges and any dealer document preparation charges. While every reasonable effort is made to ensure the accuracy of this data, we are not responsible for any errors or omissions contained on these pages. Please verify any information in question with a dealership sales representative.
** We accept all trade ins and recommend your purchase of credit protection and extended vehicle protection, however "as always the choice is yours". Jim Gilbert's Wheels and Deals is Canada's Best six acre Car Shopping Experience and we would love to share our Huggable knowledge with you. You will receive many extras, the warm Huggable feeling and the good attention that has made Canada's Huggable Car Dealer Famous. Shop us First, Feel the Difference... then compare.


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Diet choices can keep pets healthy, happy
Meals range from store bought to homemade
Many pet owners have long sought alternative ways to feed their animals and avoid commercially produced pet food altogether.Whether people are concerned about the safety of commercial foods, or simply want to find ways to help pets live long and healthy live, there are three common choices, each with pros and cons.
Go To The Store
Critics, however, say these foods contain too much grain or carbohydrates, which can cause gas and illness in sensitive animals. Pets can also develop an allergic reaction to the artificial additives and fillers found in commercial foods.But veterinarians such as Dr. Penny Kupferberg of the Coral Springs Pet Resort in Florida prefer commercial foods over other options. Kupferberg says these foods are specially made for animals and contain the nutrients they need to stay healthy, active and at a desired weight.
The American Society for the Prevention of Cruelty to Animals agrees. In a statement released shortly after the recent recall, the ASPCA "cautioned pet parents to fully research homemade diets before pulling out the chef's hat."
"The ASPCA still generally recommends high-quality commercial diets for pets. Such foods are highly research-based and are formulated with nutrients specific to your pet's well-being," said Dr. Steven Hansen, a board-certified veterinary toxicologist and senior vice president with the ASPCA.
Make Your Own
The second most-popular pet diet is a natural homemade diet. Homemade diets have three basic components: grains, protein and vegetables.
"The best diets for both dogs and cats are natural ones," says Dr. Anna Maria Gardner, who writes on PetSynergy.com and is a holistic veterinarian in Spokane, Wash.
Proponents say the fresh ingredients in the diet provide more energy, reduce allergies, maintain a healthy weight and help pets live a longer life.
But homemade diets demand a lot of time that most pet owners simply don't have.
"Homemade diets can certainly provide pets with an adequate diet, but they do require a substantial amount of work and guidance by your veterinary team to ensure that the final product includes a complete nutritional balance," explains Hansen.
Owners may also make the mistake of feeding their pets according to human nutritional guidelines that are often not suitable for pets and can sometimes be deadly.
In The Raw
The third most-common pet diet is a raw diet. Popularly known as the BARF diet, an acronym for "bones and raw food" -- it was developed by Australian veterinarian Dr. Ian Billinghurst.
The BARF diet is based on a belief that the best way to feed your pet is to give it a diet similar to what it would eat in the wild -- raw, meaty bones, muscle, organ meat, vegetables and supplements.
"BARF is about feeding dogs properly. Artificial, grain-based dog foods cause innumerable health problems. They are not what your dog was programmed to eat during its long process of evolution," Billinghurst says.
But critics say that health problems can occur if the diet is not balanced. They also warn that your pet can choke on raw bones. The ASPCA also advises against feeding pets raw foods since it may lead to E. coli or salmonella poisoning.
Choosing For You
Good nutrition is the basis of a healthy pet. But there's a right way and a wrong way to alter your pet's diet. Veterinarians say that simply replacing pet food with people food isn't the answer. Never alter your pet's diet without first consulting your veterinarian.
Dr. Louise Murray, director of medicine at the ASPCA's Bergh Memorial Animal Hospital in New York City, offers this advice:
"Ask your veterinarian to refer you to a specialist with an advanced degree in animal nutrition, certified by the American College of Veterinary Nutrition," she says.
Start Simple
If you're too busy to cook but want to add some natural food to your pet's diet, start with a natural, high-quality pet food -- one with no artificial preservatives, colorings or flavorings. Mix it with vegetables, grains and meats, and add a vitamin and mineral supplement, says Gardner. Chemicals to avoid include BHA, BHT and ethoxyquin. Dr. Ihor Basko, a Hawaii-based holistic veterinarian, recommends introducing a new diet gradually, since sudden changes can lead to vomiting and diarrhea. Other things to consider include your pet's age, health, metabolic rate, activity level and breed.
Finally, beware of scams that prey on your fears. Remember that marketing can be skewed to make you believe just about anything. As with nutrition for humans, pet nutrition hype is as close as a Google search away.
Separating the hype from reality is the first step to making informed decisions about what to feed your pet to keep it healthy and happy for its entire life.
Copyright 2010, Internet Broadcasting. This material may not be published, broadcast, rewritten or redistributed.


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Italy has its pasta, India its curries, Germany its sausages and Canada its ... butter tarts? It's true that Canada doesn't really have a national food, unless you count beer, which many people do. But what Canada does have is unique regional cuisines based on harvests from the sea and soil nearby, all influenced by the cultures that have brought their traditional recipes to our shores. Here, from coast to coast, is a guide to some of Canada's most locavoracious restaurants.
The Pointe Restaurant at Wickaninnish Inn As a Relais& Chateaux property, "the Wick" has access to the very best Vancouver Island produce, allowing chefs John Waller and Nicholas Nutting to get creative with foraged mushrooms and succulent seafood, Sloping Hills pork sausage and brie from Little Qualicum Cheeseworks. Guests enjoy their light, flavourful dishes and a terrific wine list in a West Coast elegant room.
Wickaninnish Inn, 500 Osprey Lane, Tofino, 250-725-3100, www.wickinn.com Dinner for two: Over $200
Bishop's For 25 years, John Bishop has served B.C.'s best ingredients from this quiet little house in Kitsilano. Now, with chef-cum-gardener Andrea Carlson in the kitchen, expect every dinner to be a bouquet of excitingly fresh flavours, with unusual greens like fiddleheads, black garlic, salsify and nasturtiums accompanying the Pemberton beef and Fraser Valley duck. Great global wine list.
2183 4th Ave. West, Vancouver, 604-738-2025, www.bishopsonline.com Dinner for two: Over $200
River Cafe In this cosy, rustic-elegant restaurant on an island in the middle of the city, chef Scott Pohorelic creates a foothills cuisine, with all the area's best producers on speed dial. But there is a unique flavour --hearty, meaty, with just a whiff of campfire smoke--to all the legumes and bison, boar and beef on the menu. Plus, this being privatized Calgary, you can find wines on the list unavailable anywhere else.
Prince's Island Park, Calgary, 403-261-7670, www.river-cafe.com Dinner for two: $200
Madison's Grill in the Union Bank Inn Executive chef Blair Lebsack has spent a lot of time cultivating relationships with local farmers and it has paid off in spades. His cooking style is French and European, but the ingredients are purely --and ethically--local, as in the Spring Creek Ranch naturally raised, hormone-free beef. These delights are served in a beautiful modern room and accompanied by a stellar Canadian wine collection.
10053 Jasper Ave., Edmonton, 780-401-2222, www.unionbankinn.com Dinner for two: About $200
Fusion Grill There's no confusion about chef Lorna Murdoch's style of fusion cuisine. It's fresh and modern, taking the best Manitoba produce--bison, northern pike, wild rice, wild mushrooms--and throwing in the occasional cheeky reference to ethnic traditions.(White truffle perogies, anyone?) With a great all-Canadian wine list and a casual funky ambience, it's a favourite Peg eatery.
550 Academy Rd., Winnipeg, 204-489-6963, www.fusiongrill.mb.ca Dinner for two: Around $150
Domus Cafe You could say that Domus is a celebrity restaurant--because John Taylor, the restaurant chef, has made sure that it is the farmers who get the much-deserved recognition as the celebrities. Not only does Mr. Taylor credit the source of each ingredient, he also prepares it simply to highlight its natural flavours. Drop by this friendly space in the ByWard Market and try the Suntech tomato salad, Mariposa Farms duck breast or the grilled O'Brien beef striploin steak along with a superb all-Canadian wine list.
87 Murray St., Ottawa, 613- 241-6007, www.domuscafe.ca Dinner for two: Around $200
Gilead Cafe + Bistro Chef Jamie Kennedy was all about local, seasonal ingredients before it became the trendy thing to do. In his new location, he's created a casual lunch spot and a lively bistro that serves classic fare such as navarin of lamb, pork schnitzel and poached pickerel, making the best of Ontario's bounty. Customers will surely savour the prices --mains run from $19 to $26-- as well as the extensive wine list.
4 Gilead Pl., Toronto, 647- 288-0680, www.jamiekennedy.ca Dinner for two: Around $130
Restaurant Au Pied de Cochon The French love to feast, on rich butter, cream, foie gras and duck fat. At Martin Picard's temple to fatty goodness, guests can dine on roast piglet, foie gras burgers, foie gras tarts, foie gras poutine and frites cooked in duck fat. It's Quebecois heaven on a plate.
536 Ave Duluth Est, Montreal, 514-281-1114, www.restaurantaupieddecochon.ca Dinner for two: Over $100
Chives Canadian Bistro Chefowner Craig Flinn searches close to home for such ingredients as lobster, Digby scallops and rabbit to create his seasonal Nova Scotia-meets-the-Mediterranean cuisine. Lucky guests can enjoy dishes like the lobster risotto or braised lamb shank in a casual, colourful space.
1537 Barrington St., Halifax, 902-420-9626. www.chives.ca Dinner for two: Over $100


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COVID-19 is an emerging, rapidly evolving situation.
Get the latest information from CDC (coronavirus.gov) | NIH Resources | NIDA Resources
Vaping of marijuana on the rise among teens
NIDA Press Office
About the National Institute on Drug Abuse (NIDA): The National Institute on Drug Abuse (NIDA) is a component of the National Institutes of Health, U.S. Department of Health and Human Services. NIDA supports most of the world's research on the health aspects of drug use and addiction. The Institute carries out a large variety of programs to inform policy, improve practice, and advance addiction science. Fact sheets on the health effects of drugs and information on NIDA research and other activities can be found at www.drugabuse.gov, which is now compatible with your smartphone, iPad or tablet. To order publications in English or Spanish, call NIDA's DrugPubs research dissemination center at 1-877-NIDA-NIH or 240-645-0228 (TDD) or email requests to email@example.com. Online ordering is available at drugpubs.drugabuse.gov. NIDA's media guide can be found at www.drugabuse.gov/publications/media-guide/dear-journalist, and its easy-to-read website can be found at www.easyread.drugabuse.gov. You can follow NIDA on Twitter and Facebook.
About the National Institutes of Health (NIH): NIH, the nation's medical research agency, includes 27 Institutes and Centers and is a component of the U.S. Department of Health and Human Services. NIH is the primary federal agency conducting and supporting basic, clinical, and translational medical research, and is investigating the causes, treatments, and cures for both common and rare diseases. For more information about NIH and its programs, visit www.nih.gov.
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NIDA. (2019, December 18). Vaping of marijuana on the rise among teens. Retrieved from https://www.drugabuse.gov/news-events/news-releases/2019/12/vaping-marijuana-rise-among-teens
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Welcome on the homepage of the chair "Internet Technologies and Systems" of Prof. Dr. Christoph Meinel and his team. We like to inform you about our teaching and ongoing research activities in security, knowledge engineering, innovation and design thinking research.
The chair of Prof. Dr. Christoph Meinel offers courses in the following disciplines: Internet and Web Technologies, (Discrete) Mathematics and Logic, IT Security and Internet Security, Complexity Theory and Information Security as well as Design Thinking.
The research of the team of Prof. Dr. Christoph Meinel in the field of knowledge management and engineering focus on the challenging question, how to manage the mass of digital data, so-called "big data", from Internet and other sources in order to generate new knowledge.
In Security and Trust Engineering our research and development work is mainly focused on: Network & Internet Security, Cloud and SOA-Security (SOA - Service Oriented Architectures) and Security Awareness.
In the research work of the team of Prof. Dr. Christoph Meinel in the area of Internet technologies and innovation research many new ideas are born for innovative applications in the future Internet.
Among others here you can find links to all our books and more than 400 (peer-reviewed) conference and journal papers.
Dept.: Internet Technologies and Systems
Office: H-1.05 Tel.: +49 (0)331 5509-222 Fax: +49 (0)331 5509-325 E-Mail: meinel(at)hpi.de
Assistants: Nicola Mertens E-Mail: office-meinel(at)hpi.de
Hasso-Plattner-InstitutProf.-Dr.-Helmert-Straße 2-314482 Potsdam


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Just as the Securities and Exchange Commission's budget could face a $108 million drop if sequestration cuts kick in on Friday, Republicans on the House Financial Services Committee criticized the agency Tuesday for overspending on what they called "misplaced priorities," including moving ahead with a rule to put brokers under a fiduciary mandate.
While not specifically citing budget cuts that the SEC should face, House Republicans lambasted the agency in its 19-page document, which detailed the committee's views and estimates on the federal government's budget for fiscal year 2014, for "repeatedly failing to fulfill any part of its mission," in the run-up to the financial crisis and its aftermath.
House Republicans also revisited their complaints that the agency was to blame for the bailout of Bear Stearns and the collapse of Lehman Brothers, and that the agency was "missing in action" in not catching the Bernie Madoff and Allen Stanford Ponzi schemes.
Rep. Maxine Waters, D-Calif., ranking member on the committee, said that given that President Barack Obama has yet to unveil a budget, the committee's efforts to discuss its budget objectives are "premature and will leave unaddressed the most pressing budget challenge that face this Congress and the nation: the looming threat of sequestration" that will likely take place Friday.
The White House's Office of Management and Budget estimates the SEC's $1.32 billion annual budget could be chopped by $108 million if sequestration takes place.
Just as SEC Chairwoman Elisse Walter has vowed to push the agency's fiduciary rulemaking forward this year, House Republicans are renewing their efforts to stop the agency in its tracks.
As stated in the 19-page document, House Republicans state that the SEC has been debating since 2011 whether to impose a fiduciary-like standard of care for broker-dealers, even though former SEC Commissioners Kathleen Casey and Troy Paredes said in January 2011 that the SEC staff had failed "to adequately justify its recommendation that the Commission embark on fundamentally changing the regulatory regime for broker-dealers and investment advisers."
House Republicans also cite in the document comments made by SEC Commissioner Daniel Gallagher last October, in which he said that any rulemaking to change the broker-dealer regulatory regime, "[m]ust . . . be supported by Commission findings that such rules are necessary, as well as a detailed understanding and analysis of the economic consequences of such rules."
Furthermore, the House Republicans stated that it's been a year since the SEC said it would be issuing a request for data to help the agency more fully understand the potential costs associated with "altering the broker-dealer standard of care," and to date no such request has been made. "In the absence of such economic and empirical data, the SEC should not proceed with this discretionary rulemaking," the House Republicans said. However, Walter told members of the Senate Banking Committee in mid-February that the agency is "giving serious consideration" to its rule to put brokers under a fiduciary mandate, and that the agency will move forward soon with the request for public input on the costs and benefits of the rule.
But with Mary Jo White likely replacing Walter soon as the new chairwoman, progress on the fiduciary rule remains unclear. A Senate aide told AdvisorOne late Monday that the Senate Banking Committee is "tentatively" looking at the week of March 11 for a confirmation hearing with White, Obama's choice as the next SEC chief.
Once the Senate Banking Committee has its hearing, the full Senate can confirm her the very next day, or a day later, so White could replace Walter by mid-March.
But as David Tittsworth told AdvisorOne in a recent interview, the question remains as to whether there are three votes to issue the request for public comment. "Those three votes could come from the current group of commissioners in the near future," he said. "If the request is not issued before White takes over the chairmanship, there will be a bit of a time lag in order to allow her to come up to speed on this and many other pending issues."


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Call and file a claim today - (844) 549-0883
This page covers the details of the Xarelto litigation in Union City GA, including the connection to internal bleeding, recalls, settlements and providing you legal help. Call us and file a claim today - (844) 549-0883
Numerous claims have been filed against Janssen Pharmaceutical (the manufacturer of Xarelto) and Bayer Healthcare (the marketer of the drug) by people who have suffered severe bleeding as a result of taking the anticoagulant medication.
Union City attorneys argue that if doctors and patients had known the risks, the patient would have used warfarin, a different anticoagulant medication, where internal bleeding can be treated with dosages of Vitamin K.
Xarelto is an anticoagulant (blood thinner) manufactured by Janssen Pharmaceutical that has been widely prescribed to prevent blood clots in patients suffering from atrial fibrillation (irregular heartbeat); deep vein thrombosis (blood clots deep within the body); pulmonary embolism (blood clots in the lungs); stroke; and patients who have recently undergone a knee or hip replacement surgery.
It generally is prescribed as an alternative to warfarin (Coumadin), a blood thinner that began to be used in 1954.
Essentially the most significant prospective side impact triggered by Xarelto is severe internal bleeding that may result in death. Presently, there's no identified cure to reverse the kind of internal bleeding brought on by Xarelto.
While a warfarin overdose can be treated by administering Vitamin K and other substances to stop the bleeding, doctors can only wait for Xarelto to be flushed out from the patient's body when an uncontrolled bleeding accident occur. Not even dialysis is sufficient, and even a simple gastrointestinal bleeding can quickly evolve into a fatal internal hemorrhage.
Other potential injuries caused by Xarelto include infection associated with hip or knee replacement surgery; decreased hemoglobin (a substance that carries oxygen in red blood cells); bleeding in the brain; hematoma (a mass in the blood); peripheral edema (swelling of the lower limbs); and dyspnea (difficulty breathing) (read more).
Call and file a claim today - (844) 549-0883
People who take older blood thinners must have routine blood tests and make constant adjustments to their dosage. They're also required to watch the foods they eat. This is part of the appeal of Xarelto: it is a one-size-fits-all medication. Unfortunately, that characteristic is precisely what makes Xarelto dangerous – and why the drug is now the target of thousands of legal claims, according to lawyer Ellen Relkin, a member of the plaintiff's steering committee overseeing litigation in Louisiana federal court.
" problem with the medication is it has what is called 'a low therapeutic index.' In other words, it can be safe at a certain point and dangerous within a very close range," Relkin told Drugwatch. "Someone can be 110 pounds or 200 pounds, old or young with varying kidney functions and get the same dose and have a very different impact. Unlike the traditional blood thinner, Coumadin, where you have monitoring of the drug where the patient gets their blood checked periodically so the doctor can assess whether the levels are appropriate, you don't do that with Xarelto."
Another issue with taking xarelto - though less-publicized than its bleeding complications – is its link to a greater occurrence of wound infections following surgery for total hip or knee replacements. Relkin said the medication increases wound leakage and infection risk by more than 10 times. The complication often sends patients back in for more surgery.
"There are safer, equally or more effective ways to prevent clots following a hip or knee arthroplasty that doctors find very satisfactory, aspirin, compression stockings and getting the patients up and walking," Relkin said, adding that a number of surgeons are prescribing alternative drugs because of the risk.
Call and file a claim today - (844) 549-0883
There are no current class actions related to Xarelto. In the case of the drug's more than 4,500 lawsuits, each case is treated individually. Each plaintiff retains their own lawyer and can accept or reject settlements. Instead, of a class action, these cases are consolidated into multidistrict litigation (MDL) to help speed up the process. Class actions typically involve just one plaintiff who represents an entire class. People can opt to join the class and whatever settlement is negotiated is split across the entire class and its members do not have a say in the outcome. Typically, these are smaller awards and do not involve serious injuries.
Dealing with wellness difficulties caused by a bad drug is emotional and draining, and it impacts the whole family. Mounting healthcare bills wreak havoc on a family's finances. Anxiety, frustration and depression add up. In the case of Xarelto, some households have also had to cope with funeral costs for lost loved ones. Sometimes filing a lawsuit may be the only way to spend off health-related bills - and to safe compensation for discomfort and suffering. Several sufferers also turn for the legal system to hold drug organizations accountable and to send them a message.
Plaintiffs accuse Xarelto's makers of several counts of negligence and failure to warn. A capable Xarelto attorney near me in Union City GA can help you get financial assistance for medical bills and other incurred expenses. Our attorneys are experienced in dealing with Big Pharma and understand what it takes to go up against drug companies in court.
It is also likely that Bayer and Johnson & Johnson will work hard to find an effective Xarelto reversal agent, or antidote that doctors can safely use to treat hemorrhages that occur among users of the medication.
Xarelto is part of a new class of anticoagulants, which have been promoted as superior alternatives to Coumadin, or warfarin, which has been the industry standard blood thinner for decades. Xarelto has been aggressively marketed as easier to use, because it does not require constant monitoring to ensure that users maintain the proper treatment.
While warfarin is considered harder, doctors do have an available reversal agent that can be used to reverse the blood thinning effects of the medication quickly, allowing blood to clot when problems develop.
If a similar reversal agent for Xarelto is identified and approved by the FDA, it would make the medication substantially safer. Many of the lawsuits over Xarelto currently being pursued not only allege that Johnson & Johnson and Bayer failed to adequately warn about the lack of a reversal agent, but also that they failed to fully investigate potential antidotes before marketing the drug.
Should you or a loved one| suffered significant bleeding difficulties while taking Xarelto, our attorneys would ike to hear from you. The statute of limitations bars claims not brought within the short time period from the injury, get in touch with us right now for a free consultation on your achievable legal options. We are going to assessment your experience and let you know regardless of whether you qualify for compensation.
Call and file a claim today - (844) 549-0883