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eCommerce Apps 154 Apps found. category: eCommerce × version: 11.0 ×
Facebook Catalog Integration allows you to send the products of odoo as feeds into facebook Market.
Facebook Catalog Integration
This apps helps to make eCommerce Autopayment also generate auto backend Workflow When shop order Process
Website Sale Auto Workflow(Order Confirmation/Invoice Generation/Invoice Payment)
Auto Detected Country on webshop and pricelist automatically applied on webshop for selected country
Website GeoIP Redirect and Auto Multi Currency Switcher IP Based
If you want to hide price for a particular product in the shop and set that product for 'RFQ'? Sometimes the company wants more than one product's quote. Currently, odoo does not provide any kind of feature for make request for RFQ in a website, so don't worry, here we made a module, customer can request for more than one product's RFQ. You can set the product for RFQ in the shop, just tick the right 'Request for Quotation' option in the product and that product price will not display in the shop if the user needs that product then they will have to make an RFQ for that product. For spam protection, you can control a request with logged or None logged the user. Set several requests for logged or Non logged users, just go into website config setting and enable 'Enable Spam Protection', and you can see the list of users who sent a request, with IP address in 'Logged User Data'. You can see the list of RFQ in the 'Request for Quotation' sub-menu in the 'Quotation' menu. Request For Quotation - Multi Product Advance Odoo Hide Particular Product Price,Set Product For Request For Quotation, Make RFQ For Product Module, Invisible Product Price,Request For Quotation Multi Product Shop Odoo. Hide Product Price App, Set Product RFQ Module, Set Product Request For Quotation, RFQ Multi Product Shop Odoo. Request For Quotation - Multiple Product Advance 询价-多种产品预付款 Demande de devis - Avance de plusieurs produits Angebotsanfrage - Mehrfacher Produktvorschuss Richiesta di preventivo - Anticipo su più prodotti Solicitud de presupuesto - Avance de producto múltiple Solicitação de cotação - Avanço múltiplo do produto
Request for quotation-Multiple product Advance
hide product per customer, invisible product on web shop per login user, limited product for guest or any user user, website product filter Website Product Visibility Visible Website Product Visibility Website Product Visible Website Visibility Product Website Visibility Visible Product Website Visibility Website Visible Product Website Visible Visibility Product Website Visible Product Visibility Website Visibility Product Visible Visibility Website Product Website Visible
Website Product Visibility Per Customer Or Guest
Odoo Website Newsletter is allow its subscribers to distribute publication about latest update.
Odoo Website Newsletter
Are you running the store with a large catalog of products? Wanna bring store usability to a new high level? This module is useful to show the category page for the shop. It provides easy catalog images to make the display of categories list more presentable. Grab user's attention on your store page, providing them with the immediate loadable categories listing. The default odoo category bar in the shop doesn't provide a user-friendly way to browse catalogs. Our extension allows you to use better navigation displaying all categories list on the category page. Our module is also useful to show the category name heading on the category page. Easy for customer to navigate different category. Shop Category page, Category page, E-commerce Category page, Odoo Category Page, Website Category page, Shop Catalog page, Catalog page, E-commerce Catalog page, Odoo Catalog Page, Website Catalog page Website Category Page 网站类别页面 Page de catégorie de site Web Website-Kategorieseite Pagina di categoria del sito Web Página de categoría del sitio web Página de categoria do site
Website Category Page
This apps help to Show Product Variant Description on Website
Website Product Variant Description
Minimum Quantity for Product in Website Minimum Quantity for webshop Minimum of Quantity in shop Minimum Quantity for webshop Minimum Quantity for website Minimum qty on shop Minimum Quantity on Odoo shop product minimum Quantity website min product qty
Website Minimum Product Quantity on Odoo shop
This module helps to put different stickers/tag for product which shows on website as Ribbon
Website Product Labels & Stickers on Odoo Shop
This apps helps to add Cash on Delivery as Payment method on Odoo eCommerce
Website Cash on Delivery
This apps allow your customer to manage return of the products & create return RMA order from the website


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The best ideas come from a place where no one can hear them.
We have to take responsibility. Humanity has to take responsibility. The individual must love themselves in order to love others. Humanity does not respect itself.
We are coming to an age where all the stops are being removed.
We do not need to be told how things are in order for them to be that way. THEY JUST ARE. What we are told is how things should be seen in order to keep things the way they are.

subset: commoncrawl


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Whether it is a snow day, a scheduled absence for a conference or something more serious, it is important to have a plan for enabling continuity of instruction. This resource outlines steps that can be used to identify which course content needs to be replaced and how to create and deliver the material using different tools, including Canvas, Kaltura, and Zoom.
Find out what faculty, staff, and students can do with Kaltura media in Canvas and in Penn State's MediaSpace Portal.
Find out how the combination of Kaltura and Zoom is replacing Adobe Connect as Penn State's enterprise-level, cloud-based media management platform for storing, publishing, and streaming videos, video collections, and other media.
The resources listed on this page can help you get started using Sites at Penn State.
This hands-on session for students in the classroom focuses on the Sites at Penn State tool, a blogging and website platform powered by WordPress. Get started with the Sites at Penn State tool and learn to create a personal or course blog, department, event, or course website, or an ePortfolio. Discuss best practices for managing text, posts, pages, media, and themes while exercising best practices in site design.


text: Finishing Funds is a grants program of the Experimental Television Center, supported by the New York State Council on the Arts. Awards for 2002 were made to: Leesa and Nicole Abahuni "Chaotic Robotic Synesthesia" a performance environment investigating a synthesthetic experience, the subjective response normally associated with one sense by stimulation of another; performative elements include 2 infrared robots, 7 human musicians and 2 human animators. Zoe Beloff "Claire and Don in Slumberland" a stereoscopic slide and film projection performance conjuring up spectral scenes, referring to the Phantasmagorias at the end of the 18th century where moving magic lanterns images of the French Revolution were projected onto smoke Torsten Burns "The Bodyspace Program" a collection of improvisational scenes linked by speculative content... post earth humans exploring family, sexuality, hygiene and humor in fictional space environments and organic/inorganic architectural surroundings Abigail Child and Benton Bainbridge "Subtalk" a digital response to September 11th and the ensuing period of state surveillance and popular paranoia Norman Cowie "Scenes From an Endless War" an experimental video work on globalization, militarism and the war against terrorism Raul Vincent Enriquez "ChupaLucha" a Web animated photonovella examining the collisions between cultural and personal identity. In a struggle to debunk European American marketing speak, the photonovella obsessively negotiates regret. Stacey Lancaster "Empire" from the Trailer Series, this installation performance work uses signal mirrors and walkie talkies as two people define a sense of space - one from the Empire State Building, the other at home in Brooklyn Julia Loktev "Rough House" an installation which bleeds the line between film and installation, inserting an alternate movie theater into an exhibition space. A hermetically sealed story about a relationship between two people who beat each other up, co-written and co-starring Julia Loktev and Vito Acconci Craig Renaud "A Harlem Tale" a documentary following the life of Hasib and his girlfriend Ebony in Harlem, as they struggle to raise their developmentally challenged child Kathleen Ruiz "The Ava Project" a series of trans-media performances and installations exploring the delicate relationship between humanity, technology and creativity Taketo Shimada "Center for Advanced Research in Music and Electronics" an installation with vinyl, creating a sampled work based on the history of electronic music which will then be used as a tool set to create compositions. The resulting composition will be released on CD by Tellus Media. Scott Smallwood "Desert Winds" a sonic work produced by the winds of the Great Salt Lake Desert, to be presented in performance and installation. The CD will be available on the Deep Listening label. Mark Street "Fulton Fish Market" a lyrical, visually vibrant hand manipulated 16mm film documentary about this teeming New York City market Mary Ellen Strom "Geyser Land" a site-specific installation that examines the complex set of 19th century cultural forces that contributed to the rapid transformation of the Western US. The audience will experience the work from a moving railroad passenger car, in an investigation of ways in which western mythology lay the groundwork for colonization and development. Ray Sweeten "20 Loops" an LP picture disk based on the isolation of specific sonic and visual elements to focus on the substance of a given sound and to redirect the role of the listener Yes Men "The Horribly Stupid Stunt (Which Has Resulted in His Untimely Death)" an experimental documentary about a group of global activists who deliver a lecture to a group of high-powered lawyers, who believe they are listening to the World Trade Organization Panel: Ariana Gerstein and Kathy High.


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Free State Project Forum
New Hampshire -- The "Live Free or Die" State => Education/ Homeschooling => Topic started by: Pork The Pine on September 22, 2015, 11:59:10 pm
Anything New to Unschooling?
Post by:
Pork The Pine
September 22, 2015, 11:59:10 pm
My children are currently being forced by our state (IN) to be in school. Not because I was doing anything wrong but because of too many illogical and ridiculous statements from my in-laws. Needless to say, it won't be staying that way. I have a lawyer because, even though I know my rights, no one else seems to think I do.
In any case, I have always hated public school and the entire broken system. It failed both me and my husband with it's mediocre and pointless lessons on things that have absolutely no value in real life. I'd much rather have my children learn as they please and constantly so they can continue to grow throughout life without being held back by the stupidity of mandated testing.
I've been reading through NH laws on homeschooling as well as multiple posts in this forum. I don't want to drag up any old posts, but is there anything recent that I would need to be concerned about? We generally travel a lot in order to be more hands-on for the youngsters. Not going to lie here: I've always wanted to be a full-timer but that's not exactly realistic when you have a disabled husband and six young children running about.
Simple Machines


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Children who have complex health conditions have a different set of needs that must be maintained when they are in the home environment. These children require care that can manage their medical needs as well as their developmental delays and activities of daily living. Parents do not only need specialized equipment in the home, they also need an in home skilled nursing care professional in the home.
It can be emotionally and physically draining for parents who are looking for appropriate and safe home care for their special needs child, especially a child that has more than a single need. These parents do not need to hire a babysitter to come over for a few hours; they require the services of in home skilled nursing care.
This in home skilled nursing service will provide the child with the same care as if they were in a hospital or nursing facility. The parents will need to make sure they have the necessary type of equipment in the home, and they also need to ensure there is a trained and skilled medical professional in the home that knows how to use the equipment.
As a result, there are several tips that parents should consider when they are looking for in home skilled nursing or medical care in their home for their child.
Make Sure the In Home Skilled Nursing Agency Is Accredited
One of the first things that you should do is make sure the agency that you are considering is accredited. Ask what the state and federal requirements are in order for the agency to become a pediatric care provider.
Training of the Staff
The next thing that you should do is inquire about the type of training the staff undergoes. How are the medical professional's skills monitored once they enter into the home? Any agency that states it provides pediatric skilled medical care should have a special skills program in place, and have an orientation plan that is specific to pediatric care.
Specific Pediatric Care
A previously mentioned, it is important that the agency you select provide specific care to pediatric patients. The agency should also have skilled professionals that can meet the needs of the child. If the agency serves both adults and children, ensure that the professionals that will come into the home are trained in pediatric care.
These tips will help you choose the best in home skilled nursing care for your child and give you the excellence that you deserve. Children with special needs can meet milestones in development and growth when they have the best in home skilled care.
Find out more about our pediatric services. Contact us for more information.


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Kellie consistently advocates for her patients with empathy and compassion. One of the many examples I could share is about a patient who came to our department for ordered blood work. The patient's family asked if we could do an ABG -an oxygen test-while she was there because she needed home oxygen but it couldn't be ordered without a room air ABG. Her husband had borrowed oxygen tanks from a "friend". They were afraid of the equipment as it was old and frail. Kellie explained that we normally do not do ABGs. If they could get an order from the doctor, she would arrange it by working together with our respiratory department. Kellie explained that she was very concerned about them using the borrowed equipment. The daughter was going to call the MD for further guidance.
When they returned for their treatment the following day, they were upset as an order had not yet been placed. The patient and her husband were hopeless and were stating they feared a trip back to the hospital if her equipment malfunctioned. Kellie called the nurse navigator and explained the situation to her and the concerns she had with a possible readmission if we were unable to resolve the situation.
Kellie worked with the team to get a room air saturation. After the saturation was documented, Kellie recalled the MD office and left a detailed message regarding the information. Kellie was very determined to help this patient. She decided to call the patient's home health nurse who advised Kellie to call the patient's case manager, which she did. Kellie supported the patient and family with encouragement while she was getting the patient's information to the right person.
As the patient was leaving, Kellie assured them she would continue to work toward a resolution for the patient's safety. Right as the patient was in the wheelchair to leave, the MD office called back and told Kellie they had arranged for the O2, and they would see them first thing in the morning. The patient's and family's faces lit up with a sigh of relief when she told them.
Two weeks later the daughter brought Kellie a beautiful heart-felt thank you card calling her their angel. They were so grateful that she took time to listen and act upon their concerns in such a caring manner. The patient was feeling much better as they had the proper equipment to take care of her illness.


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Postdoc Program
Initiated in 1977, JISAO's founding director, John M. Wallace, committed a major share of JISAO's program budget to support postdoctoral research fellows. The program has been highly successful because postdocs are given the opportunity to conduct their own research project, think broadly, and to work with the distinguished scientists at the UW and the NOAA laboratories. The list of former JISAO postdocs is impressive and their current positions indicate the quality of scientists attracted to the program.
JISAO postdocs are appointed for one year with a second-year appointment assuming available funding and reasonable progress. The appointment supports salary, moving expenses, and provides a modest research/travel budget. The program wants to attract postdocs whose research interests align with at least one of the seven JISAO research themes. These research themes span atmospheric science, oceanography, climate, and fisheries science. Each postdoc works with a mentor located at the NOAA Alaska Fisheries Science Center, the Marine Mammal Laboratory, the NOAA Northwest Fisheries Science Center, the NOAA Pacific Marine Environmental Laboratory, or on the UW campus.
For more information on JISAO's postdoc program, contact John Horne, Director, at firstname.lastname@example.com.
2021 JISAO Postdoctoral Program
Application process will begin December 2020
The Joint Institute for the Study of the Atmosphere and Ocean (JISAO) at the University of Washington (UW) seeks Postdoctoral Scholars with research interests in atmospheric science, climate science, fisheries science, and/or oceanography. As a National Oceanic and Atmospheric Administration (NOAA) sponsored Cooperative Institute, JISAO promotes and facilitates collaborative research between the University of Washington and the Alaska Fisheries Science Center (AFSC), the Northwest Fisheries Science Center (NWFSC), and the Pacific Marine Environmental Laboratory (PMEL).
We anticipate three positions will be filled at 100% FTE. Positions are not tied to an existing project but based on the applicant's research proposal. Applicants are expected to conduct research in at least one of JISAO's research themes: climate research and impacts; environmental chemistry; marine ecosystems; ocean and coastal observations; protection and restoration of marine resources; seafloor processes; and tsunami observations and modeling.
Applicants are required to demonstrate research relevance to both JISAO and at least one of the NOAA programs at AFSC, NWFSC, or PMEL. The Research Associate will conduct research in association with at least one mentor from AFSC, NWFSC, PMEL, or UW. A list of potential PI mentors can be found here.
All applications will be electronically submitted through the UW's Interfolio website. The link will be live in December 2020.


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Exodus, Movement Of Jah People
By: Brian Jahn
Tags: Jamaica, Montego Bay, Photography, Rastafari, reggae, Reggae music, Reggae Sunsplash, Roots Reggae
Category: Bob Marley, City, Dancehall, Dancehall Reggae, DeeJay, DJ, Dub, Dub Poetry, Enviornment, Ganja, Jamaica, Lovers Rock, Rasta, Rastafari, reggae, Reggae music, Rock Steady, Rocksteady, Roots Reggae, Ska, Sound System
Crowd leaving Reggae Sunsplash, Montego Bay, Jamaica. (1989)
Reggae Sunsplash was always a crazy time, but I'll never forget what a hassle it was leaving Splash, driving you could be stuck in traffic for hours. More than a few times I found myself (and friends) walking back into Montego Bay in the blazing morning sun. The trip would take about two and a half hours and you would get back to the hotel around noon, go to sleep and do it all over again the next night. Those were the days, Jah know.


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1) CanadaHelps
Donate Online Safely and Securely through CanadaHelps. A tax receipt will be sent to you directly from CanadaHelps. Here you will find options of designated funds including:
General Donation: A General Donation to CRIS Adaptive Adventures will allow us to use your gift where it is needed most.
Adaptive Adventures: Donations to Adaptive Adventures will directly benefit our participants as funds will be designated to our adaptive activities including: kayaking, cycling, hiking, rock climbing, snowshoeing, cross-country skiing and local overnight camping outings.
In Memoriam: Memorials and Honorariums commemorate very special people or important occasions. Your gift in memory of a loved one will allow their adventurous spirit to live on through the continuation of adaptive, therapeutic and rehabilitative adventures in our community. We are happy to designate these funds for specific requests.
Participant Sponsorship: Donations made to our Participant Sponsorship Fund will allow us to allocate funds directly to a participant in financial need. These funds are allocated to participants under the discretion of our Executive Director.


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Available for giftwrap!
- Water Rocket launches up to 100 feet in the air
- 50's retro nostalgia
All-Time Classic Science Toy
This plastic model rocket (with a mean '50's Sci-Fi/Retro look) can fly up to 100 feet using only water and air pressure as "rocket fuel". The set comes complete with 8" rocket, air pump and fuel feeder. Adult supervision is recommended.
Where's the Science?
A water rocket employs a compressed gas to accelerate water through its nozzle as a means of propulsion. The water inside the motor is essentially stationary and is accelerated to the velocity at the nozzle expressed by Bernoulli's equation: P = ½ pV²
The color of the item is not able to be requested at this time. The color is chosen at random.
|More Information
|Age Range
|8 And Up
|Price Range
|Under $10


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BAR HARBOR, Maine (AP) — Verna Bloom, the actress who portrayed the wife of the dean in the movie "Animal House," has died. She was 80.
Family spokesman Mike Kaplan tells The Hollywood Reporter that Bloom died Wednesday in Bar Harbor, Maine, of complications from dementia.
In the 1978 John Landis film, Bloom played Marion Wormer, who flirted with and had a drunken romp with fraternity president "Otter" Stratton.
She was Clint Eastwood's lover in "High Plains Drifter" and was Mary in "The Last Temptation of Christ."
Bloom was born in Lynn, Massachusetts, and graduated from Boston University in 1959.
She is survived by her husband, former film critic and two-time Oscar-nominated screenwriter Jack Cocks, and a son.
(Copyright (c) 2020 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed.)


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By Adina Reyter
Effortlessly elegant 14k yellow gold chain necklace with a sterling silver and pavé diamond pendant in teardrop shape. The perfect necklace for any occasion.
-Available in Mixed Metal
-14K Yellow Gold and Sterling Silver
-Pavé teardrop measures approximately 7mm wide and 9mm tall.
-Adjustable 17/18" chain.
-Diamond Carat Weight: 0.13.


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I am delighted to announce that I have just completed my first audiobook for Audible.com
The book in question – What Ho! Automaton by Chris Dolley is a comedy science fiction novella set in the same period and writing style of the Jeeves and Wooster novels of PG Wodehouse.
Having never recorded an audiobook before, I didn't know what to expect. I'm used to recording commercials and corporate videos and as such, the audio there runs at several minutes, but this book required a full six hours!
The publishers – obviously having a lot more experience in the area – advised me that the general ratio when recording an audiobook is 3 to 1. That is to say that for every hour of completed audio, the voice artist will have put in around three hours of work.
This sounded like a tall order already, but I was certainly up for the challenge. It also meant changing the set up of my studio, because a I generally record standing up, and 18 hours on my feet would certainly take it's toll!
Generally, I'll record the script, allowing for any errors, and once I'm finished at the microphone, I'll go over to the desk and start tidying up all of the mistakes, meaning that my clients get a broadcast ready piece of audio.
When doing books, things are different. The voice over starts recording and reading and, when a mistake is made we stop, go back a little bit, and then start up again, dropping in at the point of the error and recording straight over it.
It's a learning curve but I am pleased to say that I think I got it. The true challenge with this particular book was that there were a lot or characters, to whom I gave each one a different voice. On top of that, some of these characters had to disguise themselves, meaning yet another voice. At one point, I was an English gentleman pretending to be an American heiress having a conversation with a well spoken robot butler pretending to be a Duchess and a German prince! It all got pretty confusing but it was tremendous fun.
I really feel as though narrating a book with multiple characters got me to really work in the area in which I find the most fun, and I am looking forward to being asked to do it again soon.


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Looking for a good shopping cart software to power an e-commerce site? Below are a few to consider. Please add to the comments below if you have experience with any of these, or with any other shopping cart software you care to add to the list.
Shopify Deal – This is the one that Ryan and Daniel use and mention in Success Story #3. It can be integrated with Fulfillment by Amazon (FBA), and has many excellent features to build out a professional e-commerce site.
SamCart – An easy to use alternative for physical and digital products alike. Can handle 1 click upsells, monthly recurring subscriptions, single payment or payment plans, and free trial payment options. Integrates with Stripe and Paypal. Great for selling ebooks, online courses, and software products.
Shopping Cart Elite – Billed as an affordable e-commerce solution with many built in features like seo management, analytics, customer relationship management (CRM), and social integration.
Magento – This is open source software with a large market share in the e-commerce space. Lots of great features, but there is a steep learning curve.
Disclaimer: Results can vary from person to person. There is no guarantee that you will earn passive income online, make money, or achieve any kind of specific result using the information on this page.


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Old State House on State Street at Washington Street, ca. 1880-1900Unknown
Street-level view southwest of the Old State House, located on State Street at Washington Street. A large clock and balcony adorn the west elevation of the Old State House. Other buildings as well as street lights and electricity lines are included in the photograph. A police man is visible in the lower-right corner of the photograph. 6 1/2 x 4 1/2, 10 x 8 overall Photographs
- This object is in collection:
- Boston Streets collections
- Subjects
- Buildings
- Commercial buildings
- Businesses
- Galleries and museums
- Clocks and watches
- Balconies
- Electric lines, poles and towers
- Street lights
- People
- Police
- Massachusetts
- Boston (Mass.)
- Washington Street Shopping District
- State Street
- Washington Street
- The Bostonian Society
- Permanent URL
- http://hdl.handle.net/10427/13615
|To Cite:
|DCA Citation Guide
|Detailed Rights
To request a high-resolution image, choose Add to List.


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Camp Frida a Horror Camp for Horror Enthusiasts
I was lucky enough to see a facebook event for this the day before. I got super excited because it was basically happening down the street from me. I knew I wanted to go. My boyfriend is not a night person so I tried to find me someone else who would go with me so that I didn't have to go alone, but I couldn't find anyone to go with so I had to brave it going alone. I hate going to events alone and even more that it was a twelve hour event. Yet I braved it and I had a blast.
The event was at a art house near my home. As soon as I saw it I bought myself a ticket and then shamelessly tried to convince someone to go with me. I get uncomfortable going to things alone. No one wanted to spend the entire night awake. So I ended up going alone. I was nervous but I grabbed my Mischief plush and my Harley Quinn blanket and some snacks and had the boyfriend drop me off. He promised to come pick me up the next morning.
When I got there I got my wristband and got in line to get my ticket scanned. They had food and snacks available for purchase. They even had horror cupcakes available for a donation. The S'mores one was delicious.
The films they played were
Evil Dead
Sleepaway Camp
Blair Witch or Cabin In the Woods
Friday the 13th Part 4
The Burning
The Vvitch
Evil Dead 2
Now I was really happy that they had an another option for Blair Witch that film makes me feel very sick. Funny enough there were a lot of people that agreed with me. I had never seen The Burning. So that was neat to see a new film stuffed in between lots of classics that I knew well. I dislike the Vvitch so I actually sat in the second theatre during that film and colored. I was worried about falling asleep. I actually at that point almost went home cause I was really tired and wasn't sure I was gonna make it. I am glad one of the "camp counselors" convinced me to stay through until the end.
They had coloring pages to color, a postcard you could send home to friends, Friday the 13th the game on the big screen and buttons you could buy for each of the films like little badges. I didn't buy any of the buttons cause I have too many buttons. If you stayed through the entire event you got a real cool pin.
Overall the event was pretty sweet. I really enjoyed myself got to marathon horror on the big screen and have my horror for the halloween season since I was severely lacking it this year.


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Companies profitting from fear
This print version has been auto-generated from https://www.globalissues.org/article/517/companies-profitting-from-fear
The following article is from the CNet News.com looking at issues around homeland security. You can see the original article at http://news.com.com/2009-1009_3-5405931.html?tag=dasec1.
Companies profiting from fear
By Robert Lemos
CNET News.com
October 19, 2004
For companies like Kroll, terror means big business.
After the Sept. 11 attacks, the global consulting firm signed multimillion-dollar federal contracts to vet the backgrounds of Customs and airport personnel for the Department of Homeland Security. The company has since posted double-digit annual revenue growth and saw its stock price quadruple through July, when Kroll was bought by technology service provider Marsh & McLennan.
"The security space suddenly became hot," said Alan Brill, senior managing director of the firm, which offers services ranging from network security audits to digital investigations. "People said, 'Oh boy, they are going to throw money at this.'"
And that they did. Federal agencies are expected to pay $84 billion toward homeland security this year, up from $5 billion in 2000, according to figures from Homeland Security Research2, an analysis firm that covers government procurement.
It is unclear exactly how much federal funding will go to technology contracts, but the potential to get even a small percentage has created the industry's first boom in years. Although companies are sensitive to criticism about profiting from fear, they are anxious to reverse their fortunes after four long years of depressed spending on corporate technology.
"Five years ago, companies in this market had thought that the commercial space would drive its growth, but that didn't happen," said Joseph Atick3, CEO of fingerprint and facial-recognition technology firm Identix. "Today, we are focused on governmental programs more than before."
Despite all the business that has become available, success is anything but automatic for companies seeking homeland security contracts. Miscommunication and lack of direction at the federal level have slowed purchases among state and local agencies. Complicating the process further, government agencies have not laid out the requirements technology should meet to make sure the systems procured by cities and states in different parts of the country will work together.
As a result, getting the right technology into the right agency's hands is difficult even for veteran government contractors who know the system.
"If you spend a day in Washington and sit in on a business seminar where government people speak, about 50 percent of the audience get up and say, 'How do I get in touch with you?' said Doron Pely, vice president of publications at Homeland Security Research. "Many of these companies have very little money--they need to score or die."
The bureaucratic morass has played to the strengths of larger companies and established defense contractors that are better equipped to navigate the treacherous terrain inside the Beltway. Not surprisingly, in the first few months after the Sept. 11 attacks, preference was given to those companies that had already done business with Washington.
"The companies that had existing contracts and had proved to be trustworthy were invited to expand their contracts and change their scopes," said Ray Bjorklund4, chief knowledge officer for market research firm Federal Sources Inc. (FSI). "Overall, the government does a pretty darn good job of procurement. The exceptions are what people hear about."
Yet these exceptions understandably loom large to those directly affected--namely small companies with innovative products. Although 30 percent of homeland security contracts were awarded to smaller companies last year, analysts believe that these businesses will get relatively fewer projects in 2004.
"Unlike the Manhattan Project5, where you had to invent the science, in a lot of ways, technology has kept up with the times--it's out there," said a congressional staff member who specializes in policies for homeland security procurement. "A lot of the frustration is, 'My gadget is not getting attention.'"
Some executives speculate that government agencies have been less receptive to their products because officials have become increasingly fearful of investing in failed technologies. The companies that have fared best are those that produce the kind of technologies that have already been sanctioned by homeland security law.
For example, congressional orders to strengthen aviation security have spurred strong demand for technologies such as X-ray machines and bomb detectors. InVision Technologies6, the leading manufacturer of these products, saw its stock soar to almost 15 times its starting level between Sept. 11, 2001, and March of this year, when General Electric placed a bid to buy the company.
"The companies that benefit the most are those with some legislative mandate behind them," said Steven Gish, senior research analyst at investment firm Roth Capital Partners.
Within the technology industry, executives say legislation is just one part of the equation. In today's confusing environment, they say it helps to be creative in proposing solutions to meet the needs of the Department of Homeland Security.
Unisys saw one such opportunity when the agency's Transportation Security Administration began hiring some 50,000 screeners for major U.S. airports, which number more than 400. The longtime government contractor proposed technologies to link various systems, including X-ray equipment and metal detectors, at the airports.
Through backroom negotiations, including partnerships with two competitors for the contract, Unisys became the transportation agency's primary technology integrator. Its prize: a deal worth at least $1 billion.
"We won because we understood the mission and addressed the problem in the best way," said Greg Baroni7, president of the global public sector for Unisys.
Even when a company wins a contract with technology that appears to fit congressional needs on paper, it must often deal with unrealistic expectations. Identix had to overcome hype and misunderstandings about so-called biometric technologies when pitching its Live Scan8 systems, which are used to examine handprints at inspection points at U.S. borders and airports.
Raising eyebrows
Skepticism about biometric products was raised after a facial-recognition system installed in Florida to spot suspected terrorists during the Super Bowl became a case study of a technology that did not live up to its creator's promises. The technology, manufactured by Viisage Technology, was widely criticized9 as an ineffective law enforcement tool that violated privacy rights.
Experts determined that the problem was simply too complex for the technology of the time. A federal study of facial-recognition systems in 200010 by the National Institute of Standards and Technology (NIST) found potential problems with all of them, in real-world settings.
But under slightly different circumstances, companies say such systems can be far more useful. Identix's technology has become a key part of the new US-VISIT11 passport system, which avoids significant identification problems by processing images of people facing forward against a static background.
"That is different from trying to recognize a person in a crowd with poor lighting, movement, different facings and other problems," Identix's Atick said.
Moreover, the technology has improved as companies have focused on delivering the technology specifically for antiterrorism applications. A second NIST study12, conducted in 2002, found that error rates had been reduced by 50 percent since its earlier research. By focusing on verification, as the passport systems do, the best systems can match the correct face with biometric data. In the more recent NIST study, they did just that 90 percent of the time, up from 80 percent in 2000.
The increased accuracy rates are one reason why Congress has passed a law to make facial biometrics part of the visa waiver program for foreign citizens. Almost 30 countries will likely start producing passports that have facial data stored in the documents, to meet U.S. requirements.
Future funding
That has been welcome news to many companies that wonder how long the government can continue funding costly homeland security projects, now that the shock of the Sept. 11 terrorist attacks is fading. They are particularly concerned that lawmakers are reluctant, this election year, to fund security programs under the weight of a crushing federal deficit and rising costs related to the conflict in Iraq.
Already, the federal government has not made expected progress in some key programs, including US-VISIT. The contract for the estimated $10 billion project was awarded to technology services firm Accenture13 in June, but it has not kept to schedule and, as a result, has not been fully funded by Congress.
"The pendulum has swung back to normalcy," Baroni said. "The further we get from the events of 9/11, the more complacent we become."
One company that says agencies are slow to take advantage of existing technologies is RAE Systems14, which has proposed uses for the chemical, radiation and biological sensors that it makes, such as ensuring the integrity of cargo containers. The equipment has been used to guard political conventions and major sporting events, including the Super Bowl, but the company says the federal government has yet to see beyond those applications.
"The contracts are largely a myth," said Bob Durstenfeld, director of communications at RAE, pointing to delays in detection projects despite two laws that mandate the use of sensors on cargo containers for better port security. "They have no teeth, because there is no political will to implement them."
Business has been slowed further while the Department of Homeland Security tries to solve its many security and integration problems, under pressure from the Office of Management and Budget15, which has said it will not award funds for new systems until the issues are resolved. Congress signed the appropriations bill for homeland security on time this year, but complying with the budget office's rules has held up related contracts and essentially left much of the money to be spent in the fourth quarter.
"More spending is going on this quarter than the same time last year," said Keith Bickel16, CEO of FedLeads, a consulting firm that tracks federal contracts.
Federal agencies will spend nearly $260 billion on security technology contracts by 2010 if the nation remains in an "ongoing crisis" scenario of moderate, intermittent terrorist attacks, according to Homeland Security Research. FedLeads17 estimates that the Department of Homeland Security is spending more than $10 billion on information technology for antiterrorism infrastructure this year.
But as projects fall under more scrutiny, agencies are likely to award contracts to large companies that have track records from previous work with the government.
"So who gets squeezed? The other small businesses. Whether they can make it up on the subcontracting side is something we may never know," Bickel said. Large contractors this year are certain to get more than the 70 percent of funds they won in fiscal 2003, he added.
The Department of Homeland Security maintains that small businesses are doing well with the demand for security technologies. Nearly 40 percent of contract money went to small companies in the first seven months of 2003, the first year such projects were put up for bid, said Kevin Boshears, director of the department's Office of Small and Disadvantaged Business Utilization.
"The business community, and specifically the small-business community, has said that they want to be part of the process," Boshears said, adding that the department intends to match the overall government goal of 23 percent of contracts to go to small business in 2004 and 2005. "We have tried to put out the welcome mat and stress that, yes, we are open for business."
Regardless of who gets the contracts, others worry that process-laden bureaucracy will overtake the nation's sense of urgency toward terrorism.
"This is not business as usual," said Gilman Louie18, a member of the nonpartisan Markle Foundation Task Force on National Security in the Information Age and the CEO of In-Q-Tel, a venture firm that funds technology for the CIA. "We are still not moving fast enough."
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Where next?
This article is part of the following collection:
- War on Terror: Crackdown on Civil Rights; War on Freedom
- Amnesty International: Human Rights Backlash
- U.S. Intensifies the War of Words
- America's hyperreal war on terrorism
- Post-September 11 Corporate Stance
- Goodbye to Patriotism
- The Silence on Terrorism
- The New McCarthyism
- American Caesar
- Farewell Liberty
- Bush's Aggressive Accounting
- Race War
- The War on Dissent Widens
- The USA PATRIOT Act Was Planned Before 9/11
- FBI digs deeper into the Web
- Seven Points
- The War on Freedom and Democracy in the EU
- Overview of Changes to Legal Rights
- How I became a target for America's zealots
- Washington's Eye on the Internet
- High treason in the U.S. government
- US Librarians See 'Big Brother' Monitoring
- Muted Response to Ashcroft's Sneak Attack on Liberties
- Our Designated Killers, 'Where Is the Outrage?'
- Our voices are lost in the tide of intolerance sweeping America
- Broad Domestic Role Asked for C.I.A. and the Pentagon
- Amnesty International: No Shortcut to Genuine Security
- Asian Security Talks Risk Giving Green Light to Repression
- South African Anti-Terror Bill Draconian
- Rage. Mistrust. Hatred. Fear. Uncle Sam's Enemies Within
- US Anti-war Activists Hit by Secret Airport Ban
- On the Record
- Army Admits Using JetBlue Data
- Congress Defunds Controversial 'Total Information' Program
- Federal Judge Rules Part of Patriot Act Unconstitutional
- Executive Power after 9-11 in the United States
- War on Terror or War on Liberties?
- War on Global Values
- India's 'No' to 9-11 Legacy
- Homeland Security: The price of safety
- Throwing money at technology
- Companies profitting from fear
- Global assault on anonymity
- Republicans See Signs That Pentagon Is Evading Oversight
- Is the Pentagon spying on Americans?
- Judge Rules NSA Warrantless Spy Program Unconstitutional
- Pentagon is keeping secret tabs on peaceful protest activities
- Is Princeton Professor and Retired Marine on Government No-Fly List for Criticizing the White House?
- Corporate Takeover of US Intelligence
- US and Europe Near Agreement on Private Data
Online Sources:
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- http://news.com.com/2009-1009_3-5405931.html?tag=dasec
- http://dw.com.com/redir?destUrl=http%3A%2F%2Fwww.homelandsecurityresearch.com&siteId=3&oId=2009-1009-5405931&
- http://dw.com.com/redir?destUrl=http%3A%2F%2Fwww.identix.com%2Fcompany%2Fcomp_team_jatick.html&siteId=3&oId=2
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- http://dw.com.com/redir?destUrl=http%3A%2F%2Fwww.unisys.com%2Fabout__unisys%2Fmanagement__team%2Fgreg__baroni
- http://dw.com.com/redir?destUrl=http%3A%2F%2Fwww.identix.com%2Fproducts%2Fpro_livescan.html&siteId=3&oId=2009
- ACLU decries face-recognition tools -- Thursday, Jan 3, 2002, http://news.com.com/ACLU+decries+face-recognition+tools/2100-1023_3-800864.html?tag=nl
- http://dw.com.com/redir?destUrl=http%3A%2F%2Fwww.frvt.org%2FFRVT2000%2Fdefault.htm&siteId=3&oId=2009-1009-540
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- Accenture lands Homeland Security deal -- Tuesday, Jun 1, 2004, http://news.com.com/Accenture+lands+Homeland+Security+deal/2100-1029_3-5223851.html?tag=nl
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Author and Page Information
- Posted: Wednesday, October 20, 2004
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TVGuide.co.uk is the UK's No.1 website for TV listings, providing comprehensive listings for all TV platforms in the UK on terrestrial, Freeview, Freesat, Sky, Virgin & Tiscali. Consumers can search for TV programmes, films, and sports and also catch up on shows they have missed. Since TV consumers get inspired by the fashion donned by celebrities they see on visual platforms, TVGuide came up with an idea to integrate shoppable technology into their advertising strategies.
Search By Image: Enable shoppers to use images to search and discover products they are inspired to buy.
Tvguide found out that often consumers got inspired by the celebrity fashion apparels they see on visual media platforms, but found it hard to describe them, the occasion, it's color and even apparel style in textual format. That's how Tvguide in collaboration with the online retailer Very.co.uk and ViSenze came up with Drag and Shop - shoppable banner ads, a way user can instantly shop something they see on TV and press.
TVGuide and Shop Direct team worked closely with ViSenze to implement Search by Image in the drag and shop functionality.
"We were very happy with the ROI achieved from the Drag and Shop banners and also by the underlying technology of Computer Vision. ViSenze was also proactive and approachable in each phase of implementation."
-Shop Direct Group
"We found that 60 percent of consumers felt our 'Drag & Shop' feature was valuable to their online shopping experience, making this as our most successful banner ad to date. We are excited to explore more features with ViSenze in near future and bring innovative technologies to our customers"
The drag and shop banners are placed next to article images featuring celebrities wearing amazing outfits. If a user likes the clothes on the celebrity, they can simply drag the image into the banner. ViSenze's search by Image which uses computer vision technology identifies the items of clothes in the image and return matching outfits from the fashion
Search By Image enables shoppers to upload a photo of an item in order to search for exact or similar products on the platform.
As a result of the banner ad campaign, Very.co.uk contracted six million banners across UK publishers including TV Guide, saw an ROI of 12X, and a 22 percent interaction rate.
In addition to this, TvGuide saw a 43 percent increase in ad recall from competitors' customers, specifically for 35+ year-olds that prefer to buy clothes online.
TVGuide was also named as a finalist in the 2018 EMEA Biggies Awards for Ad Banner Campaign in the 'Excellence in Use of Artificial Intelligence' Category.


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Tips for eating healthy at food places. Is it even possible? Post your tips and ideas below!
Add your voice! Click below to answer. ThriftyFun is powered by your wisdom!
I'm not a 'health-food nut', but here are a few suggestions: First, try to avoid 'fast-food' joints. There are many fast, healthy ways most people can do this. I start every morning (after half a pot of coffee) with two or three Tbsp. raw oat bran mixed well with a glass of V-8 or other veg. juice, followed by a good breakfast. By lunch-time I'm only a little hungry so I get by fine with a good salad (lots of peppers, onions, olives, tomatoes, etc.) If you must hit a fast-food joint try to find one with a good salad bar; Windy's used to fit the bill quite nicely and probably still does.
Personally I'm trying to gain a few pounds so I like a large supper with lots of pork or rare red meat and trimmings, and I might still be eating at midnight. If you are watching your weight, or sugar, carbs, fat, etc. the previous suggestions might help. Also in that case take your evening meal early. Eating late is not very healthy. Good luck!
When I'm losing weight, it is always better to plan meals at home. But, I know there are times we must eat out. My husband is a minister, and we were visiting a church for 4 days. I figured on gaining weight with that much eating out, so I got my head ready ahead of time, as the old saying goes. I found out, if it's McD. or Subway while on the road, there is a way to stay with the veges. That is a rule of thumb when eating out. Try to stick with veges and salads. But, the dressing will really come back to haunt you. They tell me the dressing has almost as many calories as a Big Mac. So stick with low cal/ low fat or no dressing. When I tire of salads, I order broiled fish, chicken, or even a breakfast plate if you are at Shonies. Sides with your broiled meat are usually really good. One night I ordered a late supper breakfast, and left off the toast, and had the lean ham with my eggs and potatoes, it was a nice change of pace. You must have variety. I love the new deli sandwiches at Wendys, but, get them to leave off the fries. It seems like resturants are gearing more toward the "healthy eater" now. Wendy's and Subway are my favorite "quick" healthy meal out on the go. If I get somewhere with a menu, I can pick broiled meat and vegetables. Beware of and avoid all-you-can-eat buffets. I'm a big eater and that gets me everytime. Stick with measured out portions. Bob Evans has a GREAT grilled fish with some good sides, and a good salad. I was happy to see, I did not gain weight from the 4 days of eating out.
Choose grilled or broiled meats instead of fried and always order salad dressings and sauces on the side. You can also spilt an entree with your spouse or friend since portion sizes are always larger than average in most restaurants.
If you need to eat fast food. I think it is best to order kids meals. most of the time it's less calories and fat than even a salad after dressing.
Whenever we're at McDonald's, I order a side salad and ask for a piece of grilled chicken to be placed on top. They have 3 choices of lowfat dressing that you can put on yourself, but I tend to not use any. I have a glass of ice water to go with it and the whole meal is $2 plus tax.
In and Out Burgers serve their burgers "protein style" wrapped in lettuce instead of the bun, and skip the fries, of course. YUM
Add your voice! Click below to answer. ThriftyFun is powered by your wisdom!


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That's crazy. I haven't heard of anything like this before. Let's hope the police are aware of this kind of attack. It's also a good reminder to be careful and don't make it obvious when you have valuables or electronics on you.A friend and I were walking to the Columbia Heights Metro Saturday a little after midnight, when we were attacked by two guys, who both had tasers. We had just crossed 15th on Columbia Rd when they tasered us from out of nowhere. I hit the ground pretty hard but am okay and my friend, who didn't get the full force of the taser, is fine. The good news is that we fought them off and the punks didn't get anything of any value from us. My attacker tore off my right trouser pocket but luckily my iphone was in the other pocket. My friend was able to ward off his attacker and hit him in the face. The bad news is that it all happened so fast that we couldn't give the police a very good description outside of the following – two black males approximately six feet tall, one a little younger, taller, and skinnier wearing a hooded sweatshirt, the second between 18 and 30 and stocky with a purple "Ravens-type" hat.I used to live in the neighborhood and knew that block was always a little rough but have parked my car on that block many nights over the years with no issues. In retrospect, I should have been more aware and taken Irving at that time of night. I'm glad we fought them off but do not necessarily recommend that to others. I was on the ground and the guy kept coming at me to grab my phone or wallet and I kept kicking him in the knee whenever he got close. It was just instinct. I also feel fortunate to have landed the way I did or I could have been seriously injured. Although there is no way to prepare for a random attack, I will be more vigilant and cautious walking around at night and hope that everyone will do the same.
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Friday, August 12, 2011
Attempted mugging by taser at 15th and Columbia
8 comments:
- AnonymousAugust 12, 2011 at 12:01 PM
F'ing neighborhood punks...they act like pack animalsReplyDelete
- AnonymousAugust 12, 2011 at 12:17 PM
Awful. Sorry this happened to you. Hopefully you reported them to the police -- unlikely they'll be caught but it's important that the police know it happened. Also, our PSA Commander tells us just to try to look at people's shoes. They're usually distinct and can't easily be thrown off (unlike a hoodie or a hat). Doubt I'd remember to do that in a moment of fear but I'm trying to train myself to look at shoes more often.ReplyDelete
- AnonymousAugust 12, 2011 at 12:18 PM
I imagine that purple hat may have been a Colorado Rockies hat. When I first moved to the neighborhood, I came across a large group of young men wearing Colorado Rockies hats on a sketch corner. Thought it was a bit strange so I did some research. Turns out it is a common symbol for members of the Crip/Crip based gangs, which do operate in the neighborhood. This is just one website with info but you can find many more references to the purple Rockies hat and its meaning throughout the web.ReplyDelete
Sorry to hear about this.
- AnonymousAugust 13, 2011 at 9:44 PM
This comment has been removed by a blog administrator.ReplyDelete
No racism tolerated.ReplyDelete
- AnonymousAugust 15, 2011 at 7:13 AM
You know as odd and disturbing as this sounds, I'd much rather be tasered than smacked in the head with a brick from behind, or shot, which is all too common as well.ReplyDelete
- AnonymousAugust 15, 2011 at 12:53 PM
I'm sorry this happened to you guys, but glad that you walked away from it safely and with your valuables. Perhaps your resistance will instill second thoughts or hesitation in the two jerks if/when they try something like this again. Probably not, but one can hope.ReplyDelete
- AnonymousAugust 17, 2011 at 2:45 PM
Sounds like real life out there in the 'hood. Well done to have fought them off. Insightful of someone to say to look at an attacker's shoes. One for O Bone!ReplyDelete
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RAW Mortgage Fund is a specialist lending fund whose investment objective is to provide an attractive and consistent level of dividend income or capital growth through direct mortgage lending on UK residential Buy-to-Let property with a high level of capital security. The Fund benefits from the interest income generated by the loans. Capital security is provided via conservative loan to valuation ratios and rigorous credit assessment of each lending opportunity. All loans are secured by a first legal charge against residential property. The Mortgage Backed Loans are originated, serviced and actively managed by RAW Capital Partners. All Mortgage Backed Loans are on the basis of floating interest rates.
Investment Objective
|Monthly performance
|Since inception
Target Investment Return
The aim of the Fund is to achieve a consistent NET return of 4.00% for institutional investors. The target return assumes Bank of England base rate at 0.1%. It is anticipated that returns will be higher if base rate increases again. All lending is variable rate, so if the Base Rate rises so do returns to investors.
Investment Strategy
RAW Capital Partners identifies low-risk mortgage lending opportunities on quality residential property located in major towns and cities in the British Isles, which are more easily let and more easily sold, even during economic downturns.
Risk is managed carefully via conservative lending standards, rigorous credit assessment and ongoing monitoring. The fund does not lend against high-value properties in London or elsewhere in the UK, nor does it lend against development properties or land.
How The Fund Works
Mr Smith has a deposit equal to half the purchase price of an apartment in a major UK city that he wants to buy to let. He borrows the other half of the purchase price of the property from the Fund.
The Fund receives mortgage interest payments from Mr Smith, plus income from other liquid assets held by the Fund, minus service provision fees.
Mr Smith owns the property and therefore is entitled to 100% of the upside/downside to the change in the property value, plus of course any net rental income arising from the property.
The Fund takes security via a first legal charge over the apartment. Investors are therefore protected from the first 50% of any loss in capital value of the apartment in the event of default.
Key facts
- Name
- RAW Mortgage Fund
- Investment Manager
- RAW Capital Partners Limited
- Target Net Annualised Return
- 4.00%
- Currency Classes
- Accumulation / Income
- Both Accumulation and Income
- Legal (Guernsey)
- Collas Crill
- Custody
- Royal Bank of Canada (Channel Islands) Limited
- Prime Broker
- ADM Investor Services International, London
- Inception Date
- May 2015
- Fund Domicile
- Guernsey
- Subscriptions
- Monthly
- Redemptions
- 35, 90 or 180 day notice
- Auditor
- Grant Thornton, Guernsey
- Administration
- JTC Fund Solutions (Guernsey) Limited
- Fund Managers
- Tim Parkes, Richard Avery-Wright
Multiple Layers of Governance
Properties held as security cannot be sold without Royal Bank of Canada's (RBC's) consent.
In addition to a first legal charge over the properties to which Mortgage Backed Loans relate being registered to the Fund, a restriction will be registered at the UK Land Registry (in respect of property in England and Wales) against the borrower's title to the relevant property in favour of RBC as custodian of the RAW Mortgage Fund.
The property cannot therefore be sold without RBC's consent. RBC will only consent to the sale of the property upon receipt of an undertaking from the seller's solicitors to transfer the outstanding balance of the mortgage, plus any fees and interest due, from the sale of the property into an account controlled by RBC as custodian of the RAW Mortgage Fund.
Repayments of loans will be returned to a designated account in the Fund's name at RBC.
Investment Strategy
Mortgage lending, typically represents 80% of the Net Asset Value of the Fund and is held in the Core Portfolio. In the interests of Fund liquidity we also allocate 5 - 20%
of the Net Asset Value of the Fund in a Liquidity Portfolio consisting of cash and listed liquidty funds. The Liquidity Portfolio provides for redemptions
from the Fund and is also used prior to deployment of capital in the core portfolio.
Core Portfolio
Mortgage Backed Loans
The Fund will seek to invest the majority of its capital in a diversified portfolio of Mortgage Backed Loan investments all secured with a first legal charge on residential property in the UK and the Channel Islands. This portfolio will typically represent 80% of the Fund NAV.
Property Location And Security
Loans will primarily be originated by the manager and secured on residential property in London and the South East of England, at conservative loan to valuation ratios. The vast majority of loans will be secured on properties in core residential districts below a value of GBP 1 million. The Fund has set a maximum for any one loan of GBP 2.5 million against property values of no more than GBP 5 million. The Fund will always have a first legal charge.
The RAW Mortgage Fund pools investors' capital and sources, assesses and executes Mortgage Backed Loans, diversifying counterparty risk for the whole pool of investors. A conservative lending approach should result in very low levels of default and therefore a consistent return for investors in the Fund. Investors' capital will be spread across a large number of counterparty loans, with a diverse range of property, in a broad range of locations. Unlike many peer-to-peer lending platforms, this diversification helps limit likely downside and spreads investor risk.
Direct Origination
The Fund's main focus will be to originate Mortgage Backed Loan investments, although investment opportunities in the secondary market will be considered. Initially, target borrowers are likely to be non-UK residents seeking to buy quality UK and Channel Island property on a buy-to-let basis. The Fund may also seek to purchase Mortgage Backed Loan investments via platforms.
Risk Management
The Fund will limit downside risk by focusing on originating Mortgage Backed Loans secured by quality collateral and contractual protection alongside a review of each lending proposal, borrower and property security. Risk will be spread across a diverse range of counterparties with debt secured against a large number of properties. Average loan to property valuation will be no more than 50% with a cap of 55% for individual properties based on an independent professional valuation of the property at the time the loan is granted. Higher value properties that tend to have more price volatility will be avoided. A five step process for recovery of any arrears has been established and will be rigorously enforced. A contingency reserve may be established to help mitigate against any capital losses in the Fund, for example from loan impairments. This reserve may include penalty interest and fees charged to borrowers in arrears.
Loan Duration
The Fund anticipates that the typical loan term will be between three and seven years. Whilst the Fund retains absolute discretion to make investments for either shorter or longer periods, at least 75 per cent of total loans by value will be for a term of seven years or less.
Fund Income
The Fund will receive regular mortgage interest income from each borrower. Interest will ordinarily be charged at a floating rate with a fixed margin above the Bank of England Base Rate. As interest rates rise investors will benefit commensurately from higher returns.
Liquidity Portfolio
Cash and AAA-Rated listed liquidity funds
In order to maintain liquidity, the Fund will hold a proportion of the portfolio in more liquid assets including cash or near cash investments and listed liquidity funds. The Fund also benefits from a revolving bank credit facility that is used from time to time to help with liquidity.
The Mortgage and Investment Opportunity
The RAW Mortgage Fund aims to bring investors with savings together with mortgage borrowers in much the same way a Building Society might do, but through a fund structure such that investors benefit from the majority of the return provided from borrowers.
The Fund offers investors the potential to obtain superior returns over bank deposits or fixed interest investments with low risk to capital.
Banks now appear more cautious about lending, sometimes regardless of logical considerations like length of relationship, age, security or term. These changes have created a significant gap in the market for new lenders as borrowers have become frustrated. Buy-to-let property investors have found it more difficult to borrow and many traditional lenders in this sector have reduced appetite or withdrawn completely.
These changes have helped create the opportunity for the RAW Mortgage Fund to seek niches in the Mortgage market that are no longer filled by traditional lenders but still offer a low risk to capital and a healthy return. By cutting out traditional lending institutions, the objective of the Fund is to advantage both investors and borrowers by significantly reducing the spread between cash deposit and lending rates.
The Fund will only lend conservatively and it is anticipated the average loan-to-value ratio will not exceed 50% in aggregate across the Funds' portfolio of lending.
Lead Fund Manager
Tim Parkes
Managing DirectorView profile
Tim has more than 30 years experience in banking and financial services with significant experience in the mortgage lending market.
He began his career at Cheltenham and Gloucester Building Society where he was Product Manager for Mortgages and subsequently, as Head of Mortgages, led Barclays thrust in to the UK residential lending; building market share from less than 1% to more than 5% in early 90's. During this time he directed a project building a centralised
processing business which employed more than 800 people and worked closely with treasury colleagues in the hedging and securitisation of loans.
Tim was MD of Barclays Wealth International banking business for 5 years developing substantial mortgage lending on London property. More recently Tim has been a director of a multi-jurisdictional fiduciary, fund administration and pensions business and director of a number of property related businesses including two property funds, one listed on AIM, and a significant London redevelopment including high end residential apartments.
Tim holds a BSc (Hons) in Geography and Geology, majoring in Economic and Retail Geography, a Diploma in Marketing and the Institute of Directors Diploma in Company
Direction. He is a member of the IoD and a Guernsey resident.


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OKLAHOMA CITY –There was a lot of excitement surrounding the solar eclipse that occurred earlier this week.
However, that excitement can lead people to make some questionable decisions- like looking at the sun without the proper eye protection.
Stephen Starling says he was in the fourth grade in 1974 when he glanced at the sun during a previous eclipse.
A short time later, Starling said his vision became blurred both close up and far away.
"It was fairly quick. I didn't really pick up on it as much as my parents did. My parents started noticing that I couldn't see things properly," Starling said.
Dr. Brian Firestone, from the Dean A. McGee Eye Institute, says that his office has received a few calls on Tuesday after the eclipse from concerned patients.
Firestone says that looking at the solar eclipse may result in blurred vision, a blind spot in the central vision or wavy lines in the central vision.
Usually there is no pain associated with the eye damage, but the symptoms may be accompanied by a headache.
Firestone says that there is no treatment for the damage, but your vision may recover on its own. However, there is a chance that patients will be stuck with the damage permanently.


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Ophelia Field - The Favourite
WE'RE BAACK! Art Detective has landed with a brand new sparkling theme tune by award winning composer, Marc Canham and we're kicking off season 2 with an interview with Ophelia Field, author of The Favourite recorded at Blenheim Palace! Yes, we are spoiling you but we REALLY missed you! Tune in on Friday for Part 2 with an exclusive interview with the Head Archivist at Blenheim Palace.
Artwork discussed in this episode:
1. Large family portrait by John Closterman (1660-1711)
2. Lady Churchill and Lady Fitzharris by Charles Jervas (1675-1739)
Tell all your friends, you can now support us on PATREON!
Presented by: Dr Janina Ramirez
Producer: Dan Morelle
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See acast.com/privacy for privacy and opt-out information.


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Rocky Fielding (27-1, 15KOs) stopped Tyron Zeuge (22-1-1, 12KOs) in the fifth round to claim the super-middleweight WBA 'regular' title in the Baden-Arena, Germany.
The 30-year-old Merseysider was a huge underdog going into the fight against the undefeated German, who was a shadow of himself from start to finsh.
The former champion Zeuge uncharacteristically made a fast start from the opening bell without troublling Fielding. The six foot frame of the Englishman was just too big and awkward for Tyron to hit which lead to the German getting tagged on the counter in the early exchanges.
From the third to the fifth is was all pretty much one way traffic as Fielding started to believe the WBA title is really 'coming home'.
A heavy right from Fielding in the fourth rocked Zeuge who was breathing heavily before coming out for the fifth.
It looked inevitable that the German was on the fringes of defeat as Fielding started to really sink in his shots. A beautifully timed left uppercut pushed Zeuge onto his heels and back on the ropes before a body shot sunk Zeuge onto his knees.
As Zeuge was struggling to beat the count his trainer Juergen Braehmer threw the towel which sent Fielding into wild and emotional celebrations.
The Liverpudlian was once touted as a future star before his devastating loss to Callum Smith but this victory proved he should be considered as a big player in the super-middleweight division.
An overjoyed Fielding said after the fight: "It feels amazing, it feels brilliant, the fact that I have come to the champion's back yard and stopped him,"
"I just stuck to the gameplan. I knew he was a very good fighter and I had a lot on it. This was my chance and what would I have done if I hadn't done it?
"This was my dream. I left on Tuesday and said to my little boy I'd be back in Monday with the belt."


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The company of household company Anderson Manufacturing that pursues special fastener career (the following abbreviation is AM company) held water near 40 years. The open after it was bought by company of property of Big Shoulders Capital on July 17, 2017 new one page. Controller of this property company Mr David Muslin and Mr Todd DiBenedetto recombined the administrative group of AM company, company letting AM can achieve driving growing kinetic energy in career of special fastener and complex Leng Cheng fastener. They let elder carry out trustee cook again, let him hold the position of new president to lead a cause. Mr Tim Cash can exceed him experience of 20 years to head AM firm.
AM company also plans to pass through enter new market and have politic sex buy will obtain a career to grow. Mr David Muslin expresses: Course of study of "AM company bygone ever connected with Rockford Products company, but closed down from company of the Rockford Products since in those days. We plan to invest AM company and make it heavy pick up American special fastener to lead the position of the manufacturer. "


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Communications Key to Kemper Crisis Management
There's something happening here. Extensive renovation, expansion and upgrading at Eagle Ridge Resort & Spa, in Galena, Illinois, have led to a sense of excitement for this year and far into the future.
ClubCorp led the way in terms of best practices. While some multi-course operators shut down operations in the early days of the coronavirus crisis, including many with municipal contracts, ClubCorp jumped in with a series of modified rules to accommodate their members while remaining health conscious, staying in line with state ordinances.
Resources and programs to prepare golf course owners and operators for dealing with the myriad uncertainties, disruption of business, and potential outcomes of the coronavirus pandemic
By Ronnie Miles
Director of Advocacy, NGCOA
On Jan. 16, Rep. Robert Scott (D-VA3) introduced a bill in the House that calls for an increase in the federal minimum wage from $7.50 to $15. On the same day, Sen. Bernie Sanders (I-VT) introduced the same bill in the Senate.
In the House, with little fanfare and deliberation, the Education and Labor Committee voted to report the bill to the full chamber.
This legislation, if enacted into law, would raise the federal minimum wage to $8.55 this year and increase it incrementally over the next five years to reach $15 per hour in 2024. Following 2024, the law would also call for additional incremental adjustments to the minimum wage to keep pace with national inflation.
"The proposal would directly lift the wages of 22.5 million workers. On average, these low-wage workers would receive a $3.10 increase in their hourly wage, in today's dollars," according to Economic Policy Institute Senior Analyst David Cooper. "For a directly affected worker who works all year, this equals a $5,100 increase in annual wage income, a raise of 31.3 percent. Meanwhile, another 19 million workers earning more than $15 would also see their wages increase from a spillover impact as employers adjusted their pay scales to the increase. A total of 41.5 million workers would benefit from this proposal, 29.2 percent of the wage and salary workforce."
For the golf course owner, the proposed legislation will dramatically impact their cost to do business. NGCOA members have shared some of their concerns with us, indicating impact ranges from increased payroll costs from low of $60,000 to a high of $275,000. It is important to note the increase is not just limited to wages, but additional employer share of benefit costs and tax increases. For these owners who are already struggling to remain operational, their recourse will be one of two options, increase the cost of their products and services or reduce the hours and number of employees scheduled to work.
While the proposed increase in wages is spread out over a five-year period, the average annual increase is targeted to be 14 percent. With benefits and taxes, golf owners can expect the increase to be closer to 17 percent. How much will you need to increase your green and cart fees to offset this rise in costs? What will your new food and beverage menu look like? How much will your customers accept before changing their purchasing behavior?
Another very important element of this legislation is it eliminates the current tip offset scale for tipped employees plus it repeals the allowance of paying less than minimum wage for newly hired employees who are less than 20 years of age. For the golf industry, these categories of employees represent a large portion of seasonal hires.
So what can golf course owners and operators do? NGCOA recommends members voice their concerns with their representatives and senators. Let them know that while we support paying our employees fair and competitive wages, mandating $15 per hour wages across the country fails to recognize that not all communities are the same.
Have concerns about this or other advocacy issues? Contact me at email@example.com.
Brought to you by YamahaVisit the Owner's Manual library within the GB Archive for practical, small business insights and know-how for your golf operation.
Golf Business - The Official Publication of the NGCOA © 2019 | ngcoa.org


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Unfortunately, every year, countless Duluth patients suffer at the hands of negligent medical professionals. According to a Reuters news report, medical malpractice is alive and well. Nearly 195,000 people suffer fatal medical errors annually in the United States. Between 2000 and 2002, over 1.14 million incidents of patient safety were compromised out of 37 million hospitalizations for Medicare patients. Medical errors cost hospitals about $324 million dollars just in October 2008.
If you or a loved one believes there has been an incident of medical malpractice, Georgia State law mandates certain criteria must be met:
Medical negligence: In order to establish medical negligence, you must show that our doctor breached his or her standard of care. Determining the standard of care for a Georgia medical malpractice is by looking at what the average doctor is required to follow by government regulations and board-certified medical practices. If you can prove that your doctor or other medical staff has deviated from the traditional standard of care during you or your loved one's medical procedure, you might have a case.
Along with a medical professional needing to violate a reasonable standard of care, you need to demonstrate the Georgia medical professional's mistake resulted in real damage to you or your loved one. Examples of damages directly related to medical malpractice include:
- Secondary medical care to correct the medical professional's mistake, emergency and on-going
- Loss of enjoyment of life of daily activities
- Emotional damages
- Lost earnings
- If a death occurred, loss of future earning capacity and loss of enjoyment of one's loved one
Efficiently and correctly determining what damages you or your loved one may be entitled to is complex. Speaking with a Gwinnett County accident attorney or a wrongful death attorney at the Law Offices of Shane Smith will allow you to determine what damages you suffered through our network of legal and medical experts. You will learn exactly what legal rights you are entitled to and how you can obtain justice for your unfortunate Duluth medical malpractice.
Call our law firm at (888) 927-6955 to set up your free legal consultation to see what you are legally entitled to


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(Character Song) Schoolgirl Strikers: Twinkle Melodies Apricot Regulus I Wish [Regular Edition]
Regular price ¥1,111
*There is a chance products are on back-order.
*Items yet to be released will be shipped after release.
*Even if bonuses are displayed, offers end when stock runs out.
Release Date:25/10/2017
Catalog Number: AVCD-83939
Packaged Bonus: Apricot Regulus Hajimemashite Profile Card (Randomly selected from 5 designs) (First Time)


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Whether it's a sniffle or the flu, we've all had to rely on our immune system – that network of special cells, proteins, tissues and organs that make up our body's first defense – to keep us healthy. Now, thanks to a new therapy approved by the Food and Drug Administration, some cancer patients may be able to harness their immune systems to combat blood cancers like leukemia, myeloma and lymphoma.
The therapy, called CAR (chimeric antigen receptor) T-Cell, genetically reboots a patient's immune cells to eradicate cancer, and has resulted in two FDA-approved treatments to date: the first, named Yescarta, has been approved for adults diagnosed with non-Hodgkin lymphoma who have undergone two regimens of failed chemotherapy; the second treatment, named Kymriah, targets Acute Lymphoblastic Leukemia (ALL) in children and young adults.
How it works
CAR T-Cell is different from other biological therapies, because it provides each patient with a unique treatment strategy by harnessing their immune cells to fight cancer.
During the treatment process:
- White blood cells in the immune system called T-Cells are drawn from a patient's blood
- The T-Cells are reprogrammed in a special facility to produce chimeric antigen receptors (CARs)
- These CARs enable the T-Cells to recognize and attack cancerous cells
- The CAR T-Cells are reinfused in the patient, where they multiply and fight the cancerous cells
Both CAR T-Cell treatments, Kymriah and Yescarta, will be administered in transplant centers accredited by the Foundation for the Accreditation of Cellular Therapy (FACT). Sarah Cannon, the cancer institute of HCA Healthcare, has six programs in communities across the U.S. that will offer this exciting new treatment option.
Other CAR T-Cell applications
Researchers are also exploring the impact of CAR T-Cell therapy on breast and lung cancer, which could potentially result in a powerful treatment option for an even larger population of patients.
More information about CAR T-Cell therapy, or call askSARAH, the phone line of HCA Healthcare's cancer institute, Sarah Cannon, at 844-482-4812 to speak with a registered nurse 24/7.
Sarah Cannon, the Cancer Institute of HCA Healthcare, offers integrated cancer services with convenient access to cutting-edge therapies for those facing cancer in communities across the United States and United Kingdom.


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Congratulations to the winners of this year's Emmy Awards. Spotlight on Donald Glover for his wins in categories: Lead Actor in Comedy and Outstanding Director for Comedy in FX's series Atlanta. Sterling K. Brown received an award for Lead Actor in a Drama for his role in This Is Us. Dave Chappelle won for Guest Actor in a Comedy Series for Saturday Night Live. Both Lena Waithe and Aziz Ansari won for Outstanding Writing for Comedy Series for Master of None. Click here for a complete list of winners.
About The Author
This is the author bio. Edit this from the wordpress dashboard. Click users then your profile. Scroll down and you will see Biographical Info then you can edit this text. Make sure to set your gravatar using the same email your profile here is using so your picture will display.


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Can Reiki do Harm?
Written by Sandra Cooze
Lay back, relax, let go of all your troubles and enjoy meditative music, dimmed lights, the sweet and soothing scent of incense and tingling energy flowing through your body. Reiki is a wonderful healing modality, there is no doubt about it. I have been practicing and teaching Reiki for the past eight years and I absolutely love it. Even when I offer complementary treatments at local events for just a few minutes, clients always have a positive experience and are amazed about what they sensed and how much better they felt after merely 5-10 minutes of treatment. So what is Reiki? Reiki is a natural healing technique based on the principle that the therapist can channel energy into the patient by means of touch, to activate the natural healing process of the patient's body and restore physical and emotional well-being.
Reiki is truly amazing for all kinds of issues on the physical, mental and emotional level. It can restore balance to the whole body. It is safe to say that there is no downside to Reiki. Or is there? Well, in essence, Reiki can't hurt you. But there are situations where Reiki should not be administered, because then it could indeed do more harm than good. This has nothing to do with Reiki though, but everything with the person who is supposed to receive it. Let's look at those situations where Reiki should not be administered.
You should never give a Reiki treatment when you are sick. Reiki always goes where it is needed most and when you, the practitioner, are not feeling well, it will all go to you. This means that your client won't get much out of their treatment. Don't feel bad to cancel a session if you are not feeling well. I have no doubt your clients will understand and be grateful to you once they understand the reason for the need to reschedule their session.
You should never give a treatment or distant treatment when you are not sure whether a person is driving or operating heavy machinery. Reiki can relax the recipient so much that he or she may fall asleep. Always make sure that the person you are sending Reiki to, is in a safe place before you begin the distant treatment.
Never send or administer Reiki to a person before the broken bones are set. Reiki will start to work immediately, but it can't set bones, which could cause the fracture to grow together incorrectly.
Never send Reiki into the body right above a pacemaker. Reiki does not differentiate between a machine and a person. The energy would try to adjust the energy of the pacemaker to the rest of the body and this could have fatal consequences. It is ok though, to administer Reiki above and below the pacemaker. Just not right above it.
Never send Reiki when a person and especially a child is running a fever. The energy can increase the temperature in the body to a dangerous level. When a person has fever, you have to start by drawing energy out of the body until the fever is brought down to a more normal range. Once you have achieved that, you can send Reiki into the body to start the healing process.
Never send Reiki while a person is in surgery. The Reiki energy can interfere with the anesthesia in the body and could cause the patient to wake up too soon. As soon as the surgery is complete you can begin sending Reiki.
Never practice Reiki when either you or your client are intoxicated. Alcohol or drugs can increase the sensation of the energy to an uncomfortable level.
As I have said at the beginning, Reiki is a wonderful and versatile healing modality. It can be practiced as a standalone session or in combination with massage, reflexology or other holistic treatments. Even though in essence it can't harm you, in some situations you need to be cautious.
Love & Light,
Copyright: Content and photographs are copyright protected. Sharing of this is both encouraged and appreciated. Copying and/or pasting full or partial content to any social media is strictly prohibited.
Disclaimer: The entire content of this article is for entertainment purposes only and based upon my opinions, unless otherwise noted. The information in this article is not intended to replace a one-on-one relationship with a qualified health care professional and is not intended as medical advice in part or in whole. It is intended as a sharing of knowledge and information from my research and experience. I encourage you to make your own health care decisions based upon your research and in partnership with a qualified health care professional.


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Dreamz Interchangeable Needle Cords
Cords for use with Knitter's Pride Interchangeable Needles. These flexible and resilient cords lay flat without kinking or twisting, and the smooth joins mean your stitches won't drag and snag. Choose from colored or black cords. Every Interchangeable Cord includes a tightening key and a set of black end caps so you can park your work or use the cord as a stitch holder.
Cord length refers to the finished tip-to-tip circular needle measurement that is made with the cord and regular Interchangeable Tips. The 16" cords can only be used with the shorter Special Tips.
Class Policies
Class fee must be paid in full to reserve your space. Please purchase materials prior to the start of class.
Student Discounts
Students receive a 10% storewide discount upon registering for class. Discount is valid on class materials plus any purchases through the last day of class; please remind cashier of your class enrollment. Sorry, no additional discounts on sale items or class fees.
You may cancel up to one week before the first class for a full refund (otherwise, no refunds or make-ups for missed classes). We may cancel classes that don't fill.
Unless otherwise noted, classes are intended for students 16+ years old.
Please call us at 503-439-3316.


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Klettersack – X-Pac™
Our classic Klettersack, made even better. An ideal travel companion, workmate or pack mule for even the wettest of environments. The X-Pac™ material boasts multiple layers, laminated together over a waterproof membrane. The X-Ply™ (diamond pattern) provides additional strength across the bias, traditionally the weakest part of the pack. We partnered this X-Pac material with Ballistic 1050D Cordura® to finish the exterior and use a coated pack cloth for an entirely lined inner compartment. Our natural leather lash tabs are perfect for securing extra gear or attaching a bike light.
All of our Klettersacks are handmade here in Colorado.
- natural leather lash tabs
- Heavy-duty plastic hardware
- Heavy-duty straps reinforced with seatbelt webbing
- Inner drawstring closure
- Internal sleeve fits most 17″ laptops
- Zippered top pocket
- Side pockets for water bottles or additional gear
X-Pac™, 1050D Ballistic Cordura® fabric outer, coated pack cloth liner
12″w x 19″h x 6″d
1368 cu. in. / 22.4 L
30.4 oz.
Made in USA
Out of stock