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Strategic Support for your Plan
Building the world's fastest reinsurance analytics platform was no mean feat, however, we didn't want to just stop there. Having real-time capability has allowed us to offer a very unique benefit on our platform.
We created sophisticated machine learning algorithms, to help with the evaluation strategic or market change against portfolios of insurance risk in order to find how to improve profits.
We use this to find thousands of ways to improve the risk vs. reward of entire portfolios.
This powerful feature has helped our partners to create more robust strategies towards profitable growth even in today's tough market. Read on to find out how it works.
The Challenge with Planning
A solid plan requires insight into the impact of change. This is one of the most challenging aspects of traditional portfolio planning and one that Analyze Re has made a mission to help with.
When it comes to changing the strategy, the main difficulties is dealing with the complexities required to adhere to internal underwriting guidelines or portfolio concentration limits. Because of the characteristics of insurance and reinsurance portfolios this can be very labor intensive, requiring manual evaluation of multiple options on how to best balance the risk vs. reward.
Real-time analytics changes this.
Our goal has been to give you the ability to quickly evaluate major and minor strategic changes to your portfolio and quickly understand the likely outcomes so you may tweak and tune accordingly.
Manage Change
At Analyze Re we believe that you should be armed with the best of breed analytics to help you manage change more efficiently and effectively.
Analyze Re has pioneered predictive analytics technology similar to that which the capital markets have been using for years to help insurance and reinsurance companies better manage their risk portfolios and ultimately improve profits.
Our Process
Our goal is to provide you with continual insight into how to improve your portfolio by setting clear and measurable direction to aim towards. This is based on a tried and tested process of strategic objective capture and underwriter input. We then let our machine learning technology crunch the numbers and intuitively present back the results with the tactical approach to executing on them. Our typical improvements are greater than 10%.
Portfolio Data, Losses & Premiums
We begin the process by seeding data into the platform and creating an initial portfolio, using our real-time analytics to show you the starting metrics. This could be an in-force portfolio including not taken up business or any combination of desired constituents.
Analyze Re Strategic Planning
Next we capture objectives and constraints to ensure that the system can be guided towards actionable changes. This is critical as the underwriter must ultimately have confidence in the results.
Risk Profiles & Growth Strategies
We then present the results back for review and allow for iterative changes to be made. This facilitates the tuning of the model until we reach a point that produces an underwritable portfolio.
The rest is up to you, however we understand that the real world keeps moving and so our technology supports full automation of the above process so you can adapt to any change in the market and always stay one step ahead.
See It in Action
Read our case study to learn how you could quickly be seeing improvements to your portfolio.
Improve Your Returns
Contact us to find out how the world's fastest reinsurance analytics platform can help you leverage the data behind your portfolio.
Analyze Re does not sell, trade or otherwise transfer your personal information to third parties. Read our privacy policy.


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Separate names with a comma.
Discussion in 'Wii - Hardware, Devices and Utilities' started by bruce75, Mar 7, 2011.
WiiSDCard Navigator version 126.96.36.199 Avaible now
Website : http://wiisdnavigator.net46.net/ Homepage
WiiSDCard Navigator release 18.104.22.168 Alpha is comming soon
Nice bro, is this tool only availabe in french or has it english language too?
in version 188.8.131.52 the language selection may be added. Please be patient. Thanks
Version 18.104.22.168 is now avaible for download.
Please try and send me your note by mail. Thanks
I'm really confused, obviously everything on that site is in French so I can't read it, but even the screenshots, I'm buggered if I can figure out what the functionality is.
Why would you need a windows app to organise your sd card specifically for the wii? Don't get it. Someone enlighten me as to what the point is?
No cleu either here...Windows is fine for doing that.
New version 18.104.22.168
( support multilanguage)
Please consult Homepage.
For Other language ( Chineese, Russian, Dutch, ...) support need a help.

subset: commoncrawl


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- Above is the first episode of "Bella Family Origins" from The Bella Twins' YouTube channel.
- As seen below, USA Auto Sales in Atlanta, Georgia recently hired WWE Hall of Famer Ric Flair to appear in commercials for them:
Follow Marc Middleton on Twitter at @this_is_marc. Got a news tip or correction? Send it to us by clicking here.


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Sling Patio Furniture
Sling Patio Furniture
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(PRWEB) November 14, 2012
motionBEAT Inc. (headquarters: Minato-ku, Tokyo, CEO: Yozo Kaneko, below: "motionBEAT") has announced three additional functions—recommendation delivery, creative content optimization functionality, and scenario delivery functionality—for their "Bypass" (http://www.bypass.jp/ja/) specialized smartphone advertising delivery system DSP(*1), in order to improve effectiveness of advertising for advertisers who use this system.
■ Recommendation delivery functionality
Recommendation delivery functionality analyzes the product browsing and purchasing history of users who have visited an advertiser's website in order to find out their interests, enabling delivery of optimal creative contents for each user.
Using this functionality allows advertisers to encourage users to make repeat visits to their websites, leading to increased purchasing and CVR(*2).
■ Creative content optimization functionality
Creative content optimization functionality enables delivery of banners based upon the results of delivery, thus possessing high CTR(※3)
Using this function enables CTR optimization, and the running of cost-effective CPC(※4) campaigns.
■ Scenario delivery functionality
Scenario delivery functionality enables the classification of creative content according to the frequency with which it is displayed. This functionality facilitates the design of creative content stories that match the motivation of website visitors.
(*1) DSP (Demand Side Platform):
A demand-side (advertiser) advertising management platform intended to maximize the effectiveness of advertising. This delivers optimized advertising to users in accordance with a specified delivery logic.
(*2) CVR (Conversion Rate):
The ratio of visitors to a company website that actually purchased products or subscribed.
This is an index measuring results vs. investment in the website.
(*3) CTR (Click Through Ratio):
A value that indicates the extent to which displayed advertising is clicked.
(*4) CPC (Collaborative Product Commerce):
A value that indicates the payment (unit price) for each click.
motionBEAT will continue to use the latest advertising technologies to provide advertising solutions on a global scale, and is making all efforts to expand its business in order to ensure a leading position in the rapidly-expanding smartphone advertising market.
■ motionBEAT Inc. Corporate Outline
・ Company name: motionBEAT Inc. (http://motionbeat.com/)
・ Stock exchange: TSE MOTHERS Index (securities code 2497)
・ Representative: CEO Yozo Kaneko
・ Office: Renai Aoyama Bldg. 6F, 3-3-11 Kita-Aoyama, Minato-ku, Tokyo
・ Established: February 20, 1998
・ Capital: ¥1,840,969,000 *as of March 31, 2012
・ Main business: Internet-related businesses, investment & incubation business
・ Service website: http://www.bypass.jp/ (specialized smartphone advertising delivery system)
http://ad-stir.com/ (new advertising platform for smartphones)
■ Inquiries about this service: motionBEAT Inc. DSP Division, Okabe or Nagasawa
Tel: +81-3-6821-0006, Email: sales_bypass(at)motionbeat(dot)com
■ Inquiries about this release: Public Relations, Kitagawa
motionBEAT Inc. Public Relations, Tel: +81-3-6821-0000, Email: press(at)motionbeat(dot)com


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Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
Join the Troutman Friends of the Library and help support your library while earning discounts on their year-round book sale! With your $10 annual membership, you provide additional funding for library programs allowing your library to grow and flourish. As an added perk of your membership, all Troutman Friends of the Library members have access to the $5 box of books sale year-round, while the public only gets the discounted rate during the last week of each month. Stop by the front desk to get an application and start giving back today!


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By Daniel Alvarenga
LISBON (Reuters) - Lawmakers from Portugal's opposition Socialist Party challenged parts of the 2013 budget in the Constitutional Court on Friday, a move that could hamper government efforts to meet the terms of the country's bailout.
Some 50 of the Socialists' 74 lawmakers, including party leader Antonio Jose Seguro, signed the petition sent to the court, arguing cuts to pensions, civil servants' salaries and welfare benefits undermine workers basic rights.
Constitutional experts said the 13-judge court, which rules according to a simple majority, could decide either way on the budget measures, which aim to save the government about 1.6 billion euros, or 1 percent of gross domestic product.
The cuts are at the core of a budget aiming to reduce the fiscal deficit to 4.5 percent of GDP this year, from a targeted 5 percent in 2012, under the terms of a 78-billion-euro bailout from the European Union and International Monetary Fund in 2011.
"The court will be under great pressure given the complicated situation that the country is in," said Pedro Bacelar de Vasconcelos, a professor at the University of Minho Law school in Braga. "The judges should not be pondering these decisions which are political. They are not elected."
The court ruled against the government last year over a measure to cut holiday bonus payments to civil servants, forcing it to find alternative belt-tightening measures six months after its budget came into effect. It has said it has no time frame for a decision regarding the 2013 budget but experts said it may reach a conclusion in a few weeks.
"We are certain the court will bring good news to the people who have been treated unjustly by this budget," Socialist lawmaker Alberto Costa told journalists.
President Anibal Cavaco Silva has also asked the court to check the budget's legality, and whether tax increases are fairly distributed. The budget introduces a 3.5 percent "solidarity tax" on income and lowers income tax thresholds.
The measures pile further misery on Portugal, where unemployment has reached record highs of 16 percent and the government expects the economy to shrink by 1 percent in 2013, its third consecutive year of contraction.
Portugal's public debt will peak in 2013 at 124 percent of GDP, according to the International Monetary Fund.
The government says its budget measures are constitutional.
The Socialist Party was in government when Portugal first requested the bailout. Last year only 18 Socialist lawmakers, but not the party leaders, signed the successful petition to the court over bonus payments.
More challenges to the budget are likely to be presented to the court by the Left Bloc and the Communist Party.
(Reporting By Daniel Alvarenga, Sergio Goncalves and Axel Bugge; Editing by Catherine Evans and Jason Webb)


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Shui Chun Ao Lum
Posted On November 29th, 2012 - Honolulu Star-Advertiser
Nov. 4, 2012
Shui Chun Ao Lum, 89, of Honolulu, a kitchen helper, died in Maluhia Care Home. She was born in Canton, China. She is survived by husband Wai Kue, son John Hoi Ming Wu, daughter Lai Kuen Wilson, four grandchildren and three great-grandchildren. Visitation: 9:30 a.m. Friday at Borthwick Mortuary. Services: 10:30 a.m. Burial: 1 p.m. at Hawaiian Memorial Park. Casual attire. Online condolences: borthwickoahu.com.
Posted in Death Notices


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NEWARK—Integrity House, a nationally recognized substance abuse rehabilitation center with locations in Newark and Secaucus, will host its annual Newark Corporate 5-K Run on the streets of downtown Newark at noon on Wednesday, Oct. 3 to help raise funds for their community outreach programs and programming for women. The run is sponsored by Horizon Blue Cross Blue Shield of New Jersey, PSE&G and WB Mason.
The Newark Corporate 5-K Run brings awareness to the scope of programs and services provided by Integrity House. Over one thousand runners are expected to participate in the event. Runners can sign up in corporate teams or individually and will represent corporations such as Prudential, Horizon Blue Cross Blue Shield of New Jersey, PSE&G, W.B. Mason, Anheuser-Busch, and Edison Properties.
"We are lucky to have such great support and generosity from community and business leaders every year," said Robert J. Budsock, CEO of Integrity House. "The Annual Newark Corporate Run allows us to raise awareness of the disease that is addiction and raise funds to provide the services required to helping those who are affected by the impact of this disease."
Among the highlights of the mid-day run is a performance by famous hip-hop artists Sugar Hill Gang. The New Jersey natives are familiar with the success of Integrity House and are donating their time for a special performance at the event. This is the first time the Corporate Run has featured a live musical performance by a well-known group.
Groups and individuals may register for the Newark Corporate Run by visiting the Integrity House website for an application at www.integrityhouse.org.
Integrity House is a drug treatment and prevention organization serving the community and those suffering from substance abuse. Since 1968, Integrity House has pioneered one of the largest and most acclaimed substance abuse programs in New Jersey. Dedicated to helping all who request assistance, its mission is to help individuals and families through an effective and measurable system of comprehensive therapeutic community addictions treatment and recovery support to bring about positive, long-term lifestyle changes. Through its facilities in Newark and Secaucus, Integrity House provides residential treatment and outpatient services to substance abuse addicts annually from all socio-economic backgrounds and ethnicities.
Connect with NJTODAY.NET
Join NJTODAY.NET's free Email List to receive occasional updates delivered right to your email address!


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If you or a loved one has breast cancer, the Magee-Womens Breast Cancer Program of UPMC Hillman Cancer Center in Pittsburgh, Pa., provides complete and compassionate care.
By focusing on your individual needs, our experts work together to develop the best strategies for diagnosing and treating your type of breast cancer.
Advanced tests for diagnosing breast cancer at its earliest stages when it's more treatable, include:
Our High-Risk Breast Cancer Program provides screening, monitoring, and other services for women who may be at greater risk of developing breast cancer due to family history or a specific gene mutation.
Treatment options for breast cancer may include:
Cancer treatments such as chemotherapy, radiation, bone marrow stem cell transplants, and surgery may cause temporary or permanent infertility.
Clinicians and researchers at UPMC and the Magee-Womens Research Institute are pioneering the translation of new fertility options to the clinic. In coordination with your physician, they can provide rapid access to fertility consultation, information, and therapies.
Both UPMC and Magee-Womens Hospital are recognized as leading hospitals for cancer care in the United States.
Our blend of clinical expertise and innovative research dedicated to breast cancer prevention and treatment ensures you receive the most comprehensive breast care available.
» Learn more about Magee-Womens Breast Cancer Program.
For more information, please contact Magee-Womens Hospital by filling out a form online or calling 1-866-MY-MAGEE (696-2433).
Follow the beat for a healthier life. Read our blog post to learn when leg pain could warn of vascular problems, such as PAD:
Affiliated with the University of Pittsburgh Schools of the Health Sciences |
Supplemental content provided by Healthwise, Incorporated. To learn more, visit www.healthwise.org
For help in finding a doctor or health service that suits your needs, call the UPMC Referral Service at 412-647-UPMC (8762) or 1-800-533-UPMC (8762). Select option 1.
UPMC is an equal opportunity employer. UPMC policy prohibits discrimination or harassment on the basis of race, color, religion, ancestry, national origin, age, sex, genetics, sexual orientation, marital status, familial status, disability, veteran status, or any other legally protected group status. Further, UPMC will continue to support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity. This policy applies to admissions, employment, and access to and treatment in UPMC programs and activities. This commitment is made by UPMC in accordance with federal, state, and/or local laws and regulations.
Medical information made available on UPMC.com is not intended to be used as a substitute for professional medical advice, diagnosis, or treatment. You should not rely entirely on this information for your health care needs. Ask your own doctor or health care provider any specific medical questions that you have. Further, UPMC.com is not a tool to be used in the case of an emergency. If an emergency arises, you should seek appropriate emergency medical services.
Pittsburgh, PA, USA | UPMC.com


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"We are doing well in India with our partnership in Zee Television, which is profitable and we hope to float that company on the New York Stock Exchange within the next year," he reportedly told shareholders at News Corp.'s annual meeting in Adelaide, Australia on October 7.
Details of the plans are sketchy, however. Subhash Chandra, the India-born industrialist whose consortium owns the remaining 50% of Zee parent Asia Today, a Hong Kong-based company, was unavailable for comment.
Relations between Murdoch and Chandra have been strained over the past two years due to News Corp.- owned Hong Kong-based Star TV's foray into Hindustani-language programming. Chandra is upset that Star is treading on Zee's territory, violating an agreement between the broadcasters. Star continues to make losses despite its position as Asia's No.1 TV network.
Copyright October 1997, Crain Communications Inc.


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Progress happens when a city can raise the capital it needs to get a vital project going. It's when neighborhoods can rebuild, cities can revitalize, and small business owners can learn new ways to prosper.
Progress is when investments in education, housing and jobs help begin a renaissance for an American city.


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Navy Advances With 9-8 Triple Overtime Victory Over Colgate
April 24, 2009
LEWISBURG, Pa. - Junior midfielder Joe Lennon scored the final three goals of the game, including the game-winner with 2:46 left in the third overtime, to give 11th-ranked Navy (10-4) a thrilling 9-8 victory over 17th ranked Colgate (9-5) in the Patriot League Men's Lacrosse Semifinals on Friday evening. It is the first time in school history that Navy has won a postseason game in overtime. Navy advances to play 15th-ranked Bucknell (9-6) on Sunday at 3 p.m. in the Patriot League Championship Game.
"In the fourth quarter, when we were down 8-6, I didn't see anybody's head drop," said Navy head coach Richie Meade. "We just kept fighting. Defensively, after the first quarter, I thought we played very well. We gave up a couple of goals in transition, but that was about it. We had to play well defensively to have a chance to win."
Colgate led 8-6 and had possession of the ball with less than four minutes remaining, but the Raiders' Rob Bosco turned the ball over and Navy's Andy Tormey picked up the ground ball. Navy quickly cleared the ball to the other end and Lennon converted the miscue from 10 yards out with 2:51 remaining to make the score 8-7.
Colgate won the ensuing faceoff, but missed two shots on goal, including one by three-time Patriot League Offensive Player of the Year Brandon Corp who had an open shot at an empty net and missed it wide. After a Bosco turnover, Lennon ripped the net from 15 yards out with 1:21 left to tie the game at eight.
Colgate won the faceoff again, but Navy goalie Tommy Phelan saved a shot off the stick of Kevin Colleluori and Corp's shot was wide to send the game into overtime.
In the first overtime, Navy's Robby Battle won the faceoff and Brendan Connors took a shot that was saved by Colgate's Tim Harrington. The Mids' Matt Vernam was whistled for a holding call with 2:46 left, but Navy's man-down defense, which is ranked No. 1 in the country (85.7 percent) killed off the penalty with only one shot taken. The Mids got the ball back with 1:08 left in the overtime, but could never get a shot.
Both teams had opportunities to win the game in the second overtime. Colgate's best chance came just 21 seconds in when Ian Murphy's rocket shot hit the cross bar, while Navy long stick Zack Schroeder had a breakaway after a wild scramble for a loose ball at midfield, but his bounce shot was saved by Colgate goalie Tim Harrington.
Battle won the faceoff to start the third overtime and the ground ball was picked up by Jaren Woeppel. Navy held the ball for 1:14 before Lennon worked free for his 13th goal of the season and his fourth of the game to end the longest game in Patriot League Tournament history.
"It was too early to end the season," said Lennon. "We are just happy to be playing on Sunday."
There was no doubt that Lennon was the hero of the night, but he would not have been in position to win the game had it not been for the defensive performance of senior Andy Tormey and freshman Matt Vernam. Vernam held Corp, who entered the afternoon No. 1 in the country in points per game (4.46 per game) to just one goal, while Tormey held Colleluori, the third-leading scorer in the country (3.0 goals per game) to just one goal and three shots.
"I thought Tormey and Vernam did a great job tonight," said Meade.
Navy is 4-0 in Patriot League Championship games, defeating Hobart (9-8) in 2004, Army (15-8) in 2005, Army (8-5) in 2006 and Colgate (15-9) in 2007.


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Live Jazz. Lovely People.
What is JazzSoirée…? Think pop-up jazz club hosted in non-traditional spaces – public parks, rooftops, disused warehouses, and street corners.
Presented by Garden City Jazz in five Georgia cities in Summer of 2016. Returning to select markets in 2017.
Complete the form below to be notified when JazzSoirée comes to your city. In the interim, check out what's happening in Augusta.
Receive notifications of JazzSoirée events in your city by completing this form.


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Creating next generation e-bikes The Obree's lower centre of gravity offers a stable, agile ride to navigate increasingly congested urban environments in style. Featuring regenerative braking and pedalling enabling recharging of the battery on-the-go, a revolutionary German propulsion system that provides up to 114km range, a quiet high torque motor and smaller wheels for maximum comfort and manoeuvrability. With its stylish, distinctive Y-frame design with Hydroform manufacture the Obree achieved a "Gut" rating by ExtraEnergy.org
A2B joins forces with citycarshare.org
We are excited to announce that A2B is joining forces with citycarshare.org as part of its San Francisco ebike share pilot scheme that is launching this week.
Citycarshare.org, a non-profit car-sharing service in the Bay Area, is on a mission to "improve the environment and quality of life in our communities by promoting innovative mobility options…and have a measurable impact in the way our communities live, breathe, work and play."
Now, with the addition of ebikes as part of the scheme, the organization will be able to truly offer a greener, easier way to get around the hills of the Bay Area, and, at the same time, reduce congestion while making the streets much quieter and the air cleaner!
What's more, there are no mileage fees, of course, making getting around the city not only a clean, green option, but a cheaper one too.
City CarShare's A2B Alva+ has throttle and pedal assist modes, giving riders the option to have a burst of power when they pedal, as well as the ability to accelerate at the twist of a throttle.
In partnership with Bike Station, the organization that offers a safe and convenient way to park a bike, the ebikes will be based in its Berkeley BART location.
The ebikes will be offered at a special promotional rate and will be available Monday to Friday, 9am to 6pm.
For more details on the ebike sharing program, visit www.citycarshare.org/why-city-car-share/programs/ebike/
Getting around town has never been easier.


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With a matter of days to go before the wedding of the year loyal royal fans aren't taking any chances.
Determined to catch a glimpse of the happy couple, well-wishers are flocking from all over Britain to camp out in front of Westminster Abbey in anticipation of Friday's nuptials.
The first to stake his place on the pavement was 56-year-old John Loughrey (pictured below left). He said: "I have always been loyal to the Royal Family. I think they are good for Britain and good for tourism.
"We have had them for more than 1,000 years and they make a great contribution to the life of this country."
He added he believes Kate Middleton and Prince William will be together "forever".


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Suntico brings old man Peachtree into the social age.
(PRWEB) November 13, 2013
In 1978, when Jimmy Carter was President and The Eagles were singing about a Californian hotel, four men founded a software company and subsequently developed a business software application. This application was Peachtree Accounting and is possibly the oldest microcomputer computer program for business still in use today.
Suntico connects the old with the new by providing an online social workplace that links to Peachtree Accounting, now an important member of the Sage Group's product range and recently rebranded as Sage 50 US Edition.
Suntico's Facebook style interface makes it easy for busy teams to find and share information companywide. With seamless links to Sage data, teams remain connected over the status of prospects or customer orders even when out of the office. Credit control issues, news or questions can be easily shared using a familiar set of tools.
SVP Business Development Hugh Johnson explains: "Business used to be about efficiency and repetition of standard tasks at increasing scale. Times are changing. Suntico's social concept enables companies to become more fluid and flexible while making sure that important information is accessible to whoever needs it. It is like putting in a workflow system without having to define or even think about your workflow."
You can access a demo account or free trial of Suntico at suntico.com/pricing/. Companywide implementation can form part of a free trial with no obligation to purchase. Prices range from $185US/year for 2 users to $1,495US/year for a 20 user subscription. There is an attractive referral program for professionals that provide support to companies that use Sage 50.


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SOURCE: GAWK, Inc.
November 02, 2015 08:30 ET
LOS ANGELES, CA--(Marketwired - Nov 2, 2015) - GAWK Inc. (OTC PINK: GAWK) announced another signature client win with the signing of Merchant.ly (http://merchant.ly), and their strategic partner, Bank Card USA.
Scott Kettle, CEO of GAWK, noted, "GAWK continues to roll up new customers that are attracted to our innovative, secure suite of Cloud products with full product integration, which enables our customers to control their Internet authenticity and manage their cloud servers from a single location. GAWK's presence in 21 countries, and 31 major cities, with 16 cities in the U.S., further supports our long-range business plan to acquire data centers in Tier 2 cities, both locally and abroad, increasing our revenue and global reach." The Company posted the best quarter since its inception recently, reporting that revenue was up 952%.
Henry Clarke, CEO of WebRunners, Inc. a wholly owned subsidiary of GAWK stated, "Merchant.ly is another great client win for WebRunners. Enterprises of all sizes are drawn to our Irvine data center, which includes colocation, and 'Last Mile' connection wireless services. The strength of the facility and our team create a valuable resource for our customers."
According to Chris Maloof, President of Merchant.ly, "The Irvine data center was an easy choice for us. The facility is engineered to very high standards. Having GAWK as our data center partner allows us to focus on key selling initiatives with our strategic partner Bank Card USA." Chris Jimenez, Director of Business Development, Bank Card USA, stated, "Without GAWK's compliance expertise we would not have been able to deploy the Merchant.ly platform."
About GAWK, Inc.
Gawk, Inc. offers a suite of cloud communications, cloud connectivity, cloud computing, and managed cloud-based applications solutions to small, medium, and large businesses; and offers domestic and international voice services to communications carriers worldwide. It offers a suite of advanced data center and cloud-based services, including fault tolerant, high availability cloud servers, which comprise platform as a service, infrastructure as a service, and a content delivery network; managed network services that converge voice and data applications, structured cabling, wireless, and security services, as well as include Internet access via Ethernet or fiber at speeds ranging from 10 Mbps to 10 Gbps; and data center solutions, including cloud services, colocation services, and business continuity services, such as storage and security. www.gawkinc.com
About MERCHANT.LY
Merchant.ly is a proprietary business-to-business ACH payment service with plans to build a gateway service for small to medium businesses. www.merchant.ly
About BANK CARD USA
BankCard USA is a leading provider of end-to-end electronic payment products and services. We process all forms of electronic payment transactions -- credit, debit, electronic check, electronic funds transfer and alternative payments. www.bankcardusa.com
Forward-Looking Statements
All statements in this release that are not strictly historical facts are "forward-looking statements." Such forward-looking statements are based on GAWK's current assumptions, beliefs and expectations, and involve risks, uncertainties and other factors that may cause GAWK's actual results to be materially different from any results expressed or implied by such forward-looking statements. Some can be identified by the use of words such as "expect," "plan," "possibility," "offer," "if," "negotiate," "when," "believe," "will," "estimate," "continue," and similar expressions. Risks, uncertainties, and other factors that could cause or contribute to such differences include, but are not limited to: ongoing and future intellectual property enforcement actions; the ability to successfully litigate or settle claims of patent infringement; GAWK's ability to obtain necessary financing, generate sufficient cash flow, and maintain appropriate indebtedness; and the increasing development of market competition in the area of telecommunications. These factors and others are described in more detail in GAWK's public filings with the Securities and Exchange Commission, including the risks discussed in the "Risk Factors" section in GAWK's Annual Report on Form 10-K and Quarterly Reports on Form 10-Q. Copies of these reports can be found on GAWK's website (http://gawkinc.com) under the heading "Investor Relations." GAWK is providing this information as of the date of this release and, except as required by law, does not undertake any obligation to update any forward-looking statements contained herein as a result of new information, future events or otherwise.
GAWK Inc.
Investor Relations
888.754.6190 Ext. 3
GAWK Inc.
Investor Relations
888.754.6190 Ext. 3
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The idea of Photocircle is simple, yet revolutionary: in order to create a unique photo you need a good photographer, the right moment and most importantly, a unique motif. Until now, the people or landscapes that appeared in photos never gained anything from the sale of photography prints. Photocircle CHANGES that.
Photocircle shows the work of different photographers in "An einem Sonntag im August" between the 16. october and 5. november.
Vernissage: 16.10. 19.30 Uhr
16. Oktober 20.00 - Photocircle - Give back to the people that make our photos unique
Donnerstag, 3. Oktober 2013 by Webmaster
Posted in Labels: art, Ausstellung, Fotografie, kunst, Vernissage | 0 Comments »
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Peugeot 208 1.6 E-Hdi 115 Feline 5Dr [sat Nav] Diesel Hatchback
Mileage: 6,931
Trans: Manual
Body: Hatchback Year: 14/14
Colour: Black
Fuel Type: Diesel
Quote Reference Number: 055-504969
Call our Sales Advisors: 0330 096 7479
- Insurance Group19A
- Performance (BHP)115
- Number of Seats5
- CO2 (g/km)99
- Road Tax£0
|Body Glass
|Electric rear windows
|Intermittent rear wash/wipe
|One touch electric front windows
|Tinted rear windows
|Traction control
|Driver Aids
|Cruise control + speed limiter
|Driver Information
|Trip computer
|Service interval indicator
|External temperature gauge
|Touchscreen colour Satellite Navigation and 2nd USB
|Driving Mirrors
|Electric folding door mirrors
|Body coloured door mirrors
|Electric operated/heated door mirrors
|Steering wheel mounted remote controls
|DAB Digital radio
|Auxiliary input socket
|Peugeot connect with USB and bluetooth
|4 speakers + 2 tweeters
|Exterior Body Features
|Body colour door handles
|Body coloured bumpers
|Panoramic glass roof with sunblind
|Satin stealth grey finish front grille with dark chrome bead
|Exterior Lights
|Automatic activation of hazard warning lights
|Follow me home headlights
|Cornering front fog lights
|LED daytime running lights
|LED rear lights
|Dark chrome front fog light surround
|Dual Zone automatic air conditioning
|Interior Features
|Leather steering wheel
|Reach + rake adjustable steering column
|Leather and chrome gear knob
|Front centre armrest with storage compartment
|Aluminium door sill trims
|Auxilliary 12V power socket
|Aluminium pedals
|Interior Lights
|LED interior lights and illuminated footwells
|Visibility pack - 208
|Driver and passenger airbags
|Front side airbags
|Front and rear curtain airbags
|Passenger airbag deactivation system
|3 rear 3 point seatbelts
|Seatbelt warning lamp and buzzer
|Child safety lock
|Tyre pressure sensor
|Front sports seats
|1/3 to 2/3 split folding rear seats
|Driver/front passenger seat height adjustment
|Isofix on outer rear seats
|3 rear head restraints
|Height adjustable front headrests
|Remote central locking + deadlocks
|Vanity Mirrors
|Driver/passenger sunvisors and illuminated vanity mirrors
|Wheels - Alloy
|17" Oxygen grey alloy wheel
|Wheels - Spare
|Full size spare wheel
The specification listed for this vehicle was standard when purchased new. The actual specification may vary, for confirmation, please contact our sales department.
"This fantastic hatchback really is a great car, perfect for a small family car but also well suited for newer drivers. With its built in touchscreen and steering wheel controls it allows seamless transition from radio to Bluetooth connection for music."
Ollie Bell, General Manager
Key Features
- Air Conditioning
- Cruise Control
- Alloy Wheels
- DAB Radio
- Bluetooth
Ten Second Review
The 208 hatchback sees Peugeot build yet more sophistication and style into its supermini line. With some extremely economical engines and a focus on making the car better to drive and better to sit in, this could well be one to watch. Especially in frugal but responsive 1.6 e-HDi diesel form.
Popularity contests are rarely edifying processes and the monster sales figures of Peugeot's 206 demonstrated that perhaps British buyers weren't quite as savvy as they liked to think. Although it was pretty and well priced, the 206 was never a good car to drive, suffered a number of reliability woes and probably did as much as any car in Peugeot's history to turn well-intentioned buyers off the brand. Its successor, the 207, wasn't at all bad, but it was always playing catch up, trying to score sales at a time when the rest of the Peugeot range was increasingly plagued by ungainly styling. While some of this might sound a rather harsh review, it's key to understand how far Peugeot has come from the mediocre 206 through the credible but slightly unresolved 207 to the far more sophisticated and measured 208 we see before us here. Has Peugeot's supermini been fully rehabilitated? Let's find out, at the wheel of the frugal 1.6-litre e-HDi variant.
Driving Experience
The best thing about the 207 was its engine technology and the 208 carries on where the 207 left off with probably the most impressive range of efficient engines in the whole supermini class. Arguably the cleverest units are reserved for the diesel line-up, with the 'e-HDi' micro-hybrid technology that's already been widely used across Peugeot's larger models. There are two units from which to choose, a 68bhp 1.4 and a 92bhp 1.6, with or without the Gallic brand's rather jerky EGC semi-automatic transmission. We elected to try a manual 1.4, valuing the extra potential performance that sees this variant reach sixty from rest in 10.8s on the way to 118mph. And on the move, it feels fun to drive, helped by the tiny steering wheel, above which you must look to see instrumentation that's been raised up near the windscreen like an MPV. True, the electric power steering could do with a little more feel and you get a slightly notchy manual transmission. Otherwise though, there's enough in the 208's repertoire to see off the Clios, Puntos and Corsas that many buyers will be trading up from and there's a quality of ride and chassis balance that seems impossible when you learn that this car's suspension set-up has been carried over largely unchanged from the stodgy old 207.
Design and Build
The 208 represents a new design direction for Peugeot in this class. Many of the styling cues are directly attributable to the SR1 show car which debuted at the 2010 Geneva Show and while the basic silhouette could be accused of being a little more generic than its predecessors, the detailing is crisp, the surfacing neat and the overall shape is extremely cohesive. A fat-arched GTI version would look fantastic. The cabin is a big step ahead too and there's some novel thinking afoot. Rather than peer through the steering wheel at the gauges, Peugeot has instead made the wheel smaller and lower so that drivers will be able to look over it for an unobstructed view of the main instrument binnacle. Higher quality finishes and a very neat infotainment system feature, while both three and five door models offer plenty more occupant space. Not only do rear seat occupants get 5cm more knee room, they do so in a car that is 7cm shorter and 1cm lower than the 207 it replaces. That increased passenger space doesn't come at the expense of luggage capacity either, with the 208 offering an additional 1.5 cubic litres in which to stow your gear.
Market and Model
Pricing for this 208 1.6 e-HDi starts from just over the £14,000 mark and doesn't represent much of a premium over the feebler 1.4-litre e-HDi variant. There's a choice of either manual or EGC automatic transmission with either three or five-door bodystyles. All variants are decently kitted out with cruise control and a speed limiter to help you keep your licence in urban areas, a stereo with an AUX-in jack and wheel-mounted controls, remote central locking and electric front windows. Perhaps the biggest draw though, will be the colour touchscreen system. You're going to need to know a little bit this 7-inch high resolution monitor if you're a potential 208 buyer, for all but very basic entry-level models get it. In its basic form, the high-resolution screen offers access to radio, a Bluetooth hands-free kit and will play music files via a USB connection or audio streaming but many owners will want to pay a few hundred pounds extra to add satellite navigation to it. Beyond that, it's really down to your choice from a whole library of downloadable 'Peugeot Connect Apps' which can do almost anything from warning you of traffic jams to locating a fuel station, from finding you a car park to locating a restaurant. You can also check the weather, search for tourist locations, find entertainment venues - even search for a trader via a 'Yellow Pages' function. Very clever.
Cost of Ownership
Running a 208 is not going to break even the most modest bank. A lot of weight-saving has gone on in the design process and the result is that on average, this car weighs about 114kgs less, model-for-model, than its 207 predecessor. Greater efficiency is therefore almost guaranteed. On top of that, plenty of eco-minded high-technology has been thrown at this Peugeot to drive its running costs down, but as usual, you won't find all of it across the range. Most of the eco-features are reserved for e-HDi diesel models like the one we've been testing here, cars that feature what Peugeot likes to call a 'micro-hybrid' system. Don't be confused by that: we're not talking here of a Prius-like hybrid. Instead, the terminology refers to a 5V super capacitator which stores electric power and, along with a reversible alternator, helps the car's regular battery to restart the engine when the standard Stop/Start system cuts it when not needed in urban traffic or at the lights - at which point a soothing blue 'Eco' light illuminates on the dash. Along with regenerative braking, that helps this car achieve substantial fuel savings and you'll not harm these if you specify your 208 diesel with the EGC automatic gearbox, a transmission which takes a bit of getting used to. Whichever transmission you choose for your 208 in 1.6-litre e-HDi guise, the car will be capable of 74.3mpg on the combined cycle and a CO2 return that just dips under the magic 100g/km mark.
Electric rear windows, Traction control, EPAS, Trip computer, Electric folding door mirrors, Steering wheel mounted remote controls, Body colour door handles, Automatic activation of hazard warning lights...
|0 to 60 mph (secs)
|0 to 62 mph (secs)
|Engine Power - BHP
|Engine Power - KW
|Engine Power - PS
|Engine Power - RPM
|Engine Torque - LBS.FT
|Engine Torque - MKG
|Engine Torque - NM
|Engine Torque - RPM
|Top Speed
Go Green
|Emissions - ICE
|CO2 (g/km)
|99 (g/km)
|Standard Euro Emissions
|Fuel Consumption - ICE
|EC Combined (mpg)
|EC Directive 1999/100/EC Applies
|EC Extra Urban (mpg)
|EC Urban (mpg)
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Simplifying wireless and network device discovery and pairing
Demand for wireless and network devices, including printers, connected TVs and keyboards are increasing steadily. Windows 8 makes it easy to connect devices to the PC by automatically detecting and installing network printers and TVs, enabling proximity-based device pairing and providing a new Metro style device discovery and pairing user experience. In this session, learn how device makers can participate in the new Windows 8 device pairing model to improve the experience and reduce the complexity for customers connecting devices to Windows.
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I would like to share my view that education with a purpose is an effective education. Education that can't keep one's health, mind, character, relationships and environment is an ineffective education. Education is for a life of 24 hours in 80 years, not just for a career of 8 hours per a working day in 20 years! Here is an extempore audio recording in English with regional ascent (don't laugh). Please listen, appreciate if you like or add a comment to improve successve videos.
Intentions of Development
Small Houses Force Us to Live with Soil, Grass, Flowers, Trees, Breeze, Butterflies, Birds, Animals, Sun, Moon, Stars & Overal Nature for True Nutrition, Health, Physical Activities, Recreation, Equality, Justice & Peace
Tuesday, 13 February 2018
Thursday, 11 January 2018
Unemployment Technology
Our genius economists, planners and policy makers have been repeatedly warning us against the rapidly growing population and consequent unemployment problem. For this kind information we should be very much thankful to them! But not even a least heed is given to this warning. So it has resulted into three categories like physical, physiological and mental unemployment.
The physical unemployment problem is due to more labour supply and less demand for workforce in market. A lot of educational institutions are coming up and growing up certificates well in advance to produce a lot of manpower on paper. On the other side a lot of technocrats are inventing and innovating efficient technologies to reduce need for physical manpower and to increase productivity through machines, computers and artificial intelligence. In addition to this, students don't get sufficient time and space to learn, at least, their occupations at home, because of hectic academic schedules. The net result is qute different from our superstitious expectations.
The educational institutions are helping the industry through their double edged strategy - one in reducing demand for manpower and two in increasing educated consumers for their products. At the end the educated class will be without sufficient earnings to eke out their living and so may be forced to do under-employment jobs or harmful or illegal activities without a proper home or family. Even uneducated farm workers are losing labour and wages due to a number of superb chemicals and machines invented and introduced into agriculture. Online business further reduces chances of employment in retail sector (Total employment in MNCs is less than overall employment in the conventional system)
In physiological unemployment a person is physically employed but physiologically unemployed. This is due to employment of machines, vehicles and computers in factories, offices, companies and even in houses. There is a maximum rest to arms and legs. This leads to less exchange of oxygen and carbon dioxide between lungs, blood and tissues in different parts of the body. This in turn creates further erratic employment to internal organs. The result might be degenerative diseases. But there is a lot of opportunity to earn huge profits by medical, health and insurance companies.
In mental unemployment the person is physically employed but without much work to his mind due to computers and artificial intelligence. A lot of stress on eyes, nerves and muscles may occur. Sedentary life styles compounded with junkfood creates a lot of psychological and social problems. Early retirement from physical jobs may also result.
The solution to all these problems is less dependence on chemiclas and machines. Students should be properly educated and trained to depend directly on sunlight, soil, plants and vegetables for different needs. Instead of concrete jungles a trend towards farm houses should be motivated. It creates both pristine environment and ample employment opportunities, though not in companies and government offices. More organic products and physical activities will create a healthy and peaceful population. But the big bosses are thinking to solve all these kinds of unemployment problems by introducing robots!
Sunday, 7 January 2018
Green Revolution Collides with Green Evolution
The green evolution happens so generously and judiciously that every bit of biosphere flourishes with fertile soils, timely hydrological cycles, luxuriant vegetation and very active and sportive animals. This prospers not only the overall nature but also the farmer and all his friends and partners in farming. Invisible microscopic flora and fauna and visible macroscopic earthworms, bees, butterflies, birds and animals are kept busy and alive. It also keeps environment clean and consumers hale and healthy.
No dought that there were farming failures in the post-industrial era. Those droughts and famines misguided human thought to take a sudden turn from the ever successful path of green evolution. A fast paced detour was taken, that's called green revolution. There has been misunderstanding of a fact that those calamities were none but the byproducts of destruction of major ecosystems, for industries and infrastructure only. This new kind of development has engaged the farmer in farming so vigorously that his agriculture has prospered more than himself. Not only agriculture but also a number of agriculture related companies like seed, fertilizer, pesticide, irrigation, plastic, machine, tractor and food processing industries have prospered a lot. But the farmer has been left with dreadful diseases and demeaning debts and the consumer has been with contaminated, processed, junk food and degenerative diseases.
Neither governments nor their associated companies are in a position to continue farming on natural ecological models. The only choice left is either to conserve nature and get fresh food or forget human race forever. Let's wait and see how long this scam continues!
Posted by Sahara's Bright Stars World at 01:29 Links to this post
Labels: agriculture, animals, bees, biodiversity, birds, Ecofarming, evolution, farming, fertilizer, Green revolution, hybrid seeds, irrigation, organic farming, pesticides, plastics, tractors
Monday, 25 September 2017
These Terrorists Are Organ Hunters
There are two necessary evils which behave hypicritically as friends but act f erociously like terrorists. We can't imagine ourselves as leaders of this modern world without these two masked entities. What are these two terrorists? One is badly smelling petroleum and the other terribly shocking electricity.
Petroleum creates not only a variety of products for world business but also ammunition, explosives, plastics and an innumerable number of other poisonous pollutants to kill their own producers. But poisonous pollutants too have certain economic values in their recyclic phase! They sneakingly enter our environment, air, water and food chain and silently attack different human organs, damage them and help health and insurance industries to grow fast and earn huge sums of profits. Diesel and petrol, the two fractions of the crude oil, don't let people to walk, jog, run, climb or use animals in journeys, but keep them always in resting postures. These twin products are not only fuels but also souls of automobile industry.
Electricity is no less than petroleum. It speeds up destruction of forests, wildlife extinction, purification and refining of minerals, metals and other chemicals. It pumps out ground water very fast to deplete the scarce invaluable resource a lot. It creates and energizes electrical machines and electronic gadgets. It ever keeps people comfortable through fans, air coolers and air conditioners. It makes possible people swallow in either too cold or too hot things from fridges and microovens. It attracts eyes by causing light pollution and appeals or consoles ears through noise pollution.
We are proud of our science and technology innovations. Companies invest for technological innovations and in turn get power and strength to encroach into human living conditions . "Be cautious! Don't let people approach nature, accept natural principles, follow natural methods and consume natural products. Or else the companies become bankrupt". That's the technique of modern business. Even air, water, food and sex shouldn't be natural. Turn everything artificial. Brand, tag and market everything. That's what economic development. Besides these there should be a supplement of junk food for these special category of people to enhance the effect of the business world!
Don't let people move their body joints. Even if they want that's through gym or some costly exercising equipment only. Let people either sit or sleep on cushiony substrata always. And further certify it as dignity, prestige, respect or as an indicator of achievement or success. This never appear as self-punishment but as a luxurious, sweet and pleasant way of intoxicating one's own life.
Unfortunately our body structure isn't made in such a way to bear and persist out of this pseudo-development torture. Our hands aren't meant for holding mobile phones throughout the day. Our legs aren't meant for being dangled down the chairs or lying down on beds throughout the day. Our eyes aren't meant for staring at glowing screens through out the day. Our ears aren't meant for listening noises from fans, machines, vehicles or music from electronic gadgets throughout the day. But we fool ourselves by considering these bad habits as advancements.
No doubt most of our body organs are getting modern avatars. The eyes are turning red, gritty, dizzy with a lot of uneasiness or itching. Ears are becoming less audible. Nose is getting senseless and unable to prevent entry of germs. Skin is becoming wrinkled and aged, but looks beautiful and attractive over a slim layer of chemical cosmetics. All our internal body organs are notified under different insurance schemes at different superspecialty hospitals. Fortunately lungs, hearts, stomachs, intestines, livers, pancreas and kidneys are being brought under AMCs. No need to panic. A full fledged consultancy and pharmaceutical business is going on. Governments too are happy to find and make publicity of a spurt in the growth of health industry.
On the other hand some tribal people are still living in natural habitats full of soil, grass, trees, rivers and mountains. They aren't classified as patients for any insurance scheme viz., asthma, rhinitis, sinusitis, premature ageing, skin cancer, gastric ulcers, gall stones, constipation, obesity, diabetes, hypertension, kidney failures et cetera. These are the people least affected by climate change, global warming or calamities. They can survive due to their expertise in physical activities, strength of natural immunity and genetic diversity. But a lot of efforts are being made to bring these unsophisticated people into the mainstream of world corporate consumer circuit. Save God! Should we expect some more organ damages in the days to come?
Wise people use the least. Humanistic governments discourage the most. The two necessary evils - petroleum and electricity. Beware, these terrorists are the organ hunters!
Posted by Sahara's Bright Stars World at 18:53 Links to this post
Labels: biodiversity, comforts, development, electricity, electronics, explosives, forests, luxuries, obesity, organs, petroleum, physical inactivity, pollution, terrorists, trees, tribals, water
Saturday, 13 May 2017
Love Destroys Divorce
As we all know a family is the basic functional and structural unit of our society. The strength of our society lies in the collective performance of our families. The strength of the family depends on the power of binding forces acting upon its members. That strongest binding power in my view is nothing but 3D-Love. The love between husband and wife, and between parents and children. We ourselves have invented a number of evil elements to break these strongest bonds like greed for money, materials, buildings, property and lust in the name of development and indiscriminate enjoyment. Long long ago it was being told that love is blind. Now it's no more blind. It's blinding in the glare of degrees of education and decrees of infatuation.
Nations, States, countries, communities and even families can be easily broken into bits of desolation and sorrow through 'Divide and Rule Policy' of the greedy world. Husband is divided from wife, parents from children and citizens from their nations just to become posh servants of rich capitalists, employees of companies somewhere abroad or in other cities, far away from life partners, children, mothers and motherland. Physical divisions will definitely lead to mental divisions that in turn may lead to divorces. There are many excuses shown to divide but major hidden causes may be as follows:
Extra-marital sexual affairs are a cause for the dissolution of most marriages that end in divorce. The factors that are respinsible for extra-marital relationships may be as follows:
i) Lack of love, affection, dedication and honesty towards ones spouse.
ii) Habituated to change lovers and sex partners since school days to marriage due to different reasons. May be due to a long gap between pubery and marriage, and also may be due to child marriage ban followed by unbearable heat of romance, obscenity, nudity and sex generated by different kinds of media and cinema.
iii) Watching more beautiful girls, women, ladies, actresses, heroines, and models or more handsome boys, men, actors, heroes than their spouses in and around our living places or on screens will reduce interest in their own spouses some times.
iv) Intimate relationships beyond limits with colleagues, commuters, relations and neighbours of opposite sex.
v) Long periods of menstruation, pregnancy and postpregnancy periods among wives and diseased or injured periods of husbands.
vi) Absence of life partners for a considerable period of time due to far away journeys, foreign tours, or foreign jobs.
vii) Exposure to obscenity, nudity and sex on TV or mobile screens.
viii) When one of the spouse not interested, efficient or competent enough to participate in a kind of sexual act as so in novels or videos.
ix) Visit to pubs and nude dances especially with their boyfriends or girlfriends.
x) Easy adultery or availability of brothels, pimps and prostitutes in the society.
xi) Differences in sexual appetite and lack of emotional intimacy.
xii) Disfiguration of a spouse's body due to overweight, age or other reasons. Overweight is basically due to obesity. Obesity is due to more intake but less expenditure of energy. This in turn is due white collar jobs, electrical and electronic appliances and gadgets without sufficient physical activities. The basic symptom of development!
xiii) Husbands addicted to texting on mobiles upto too late in the evenings or beyond midnight.
xiv) Impotency or weak nervous systems and consequent dysfunctioning of organs due to constant exposure to radiation from computers, mobiles, television, etc along with lack of sufficient physical activities and balanced diet especially fresh fruits and vegetables. The latter aspect is fully overtaken by fast food, junk food and carbonated drinks.
xv) Dysfunctioning of sex organs due to obesity, diabetes, deficiency diseases, global warming and rapid increas in temperature due to pollution, lack of 33.3% tree cover in human habitats, heat islands amidst concrete jungles is also a strong cause!
xvi) Different job timings for spouses or night duty for a spouse.
xvii) Any one spouse goes regularly into inebriated or intoxicated condition during nights by taking drugs or liquors.
The second important cause is financial aspects. Marriages are no more made in heaven but in posh and magnificient marriage halls with a lot of glare and show put up. Marriages are hardly a glimpse of love and affection, but a kind of commercial activity. So many things stand between two hearts to meet and understand mutually. Dowry, gifts and presentations occupy the primary position. Money, materials and properties always be there to spoil the holistic thought of marriage. No much discussion about love and affection. The only version that's acceptable these days is how much money earned, ethnically or unethically, and being spent in the marriage! That's why the bond of love and affection is very feeble these days to bind the bride and bridegroom forever! So many cases of divorce and broken families are rampant these days. Here some more financial reasons are given:
i) Different spending habits of a spouse.
ii) Different financial goals of a spouse.
iii) Two different spouses from two different financial backgrounds.
iv) One spouse of corruptive mentality and the other of honesty.
v) One spouse of simple and natural lifestyle and the other of luxurious, extravagant, posh and ostentatious lifestyles.
vi) Husband can't cope up with daily, educational or medical expenditure in family.
vii) Wife or her parents not paid the dowry, or given gold and gifts as per the promise or the as per later desires.
viii) Husnand is financially irresponsible and has failed to maintain his wife or the children properly.
ix) Husband is wasting money in bettings, gamblings, or pubs and prostitution.
x) One spouse may be spending money towards ones parents or relations without other's consent or willingness.
i) Anger and resentment.
ii) Conversion of emotional affair before marriage into physical affair after marriage.
iii) Lack of effective communication between spouses like yelling at spouses for simple reasons especially in front of other ladies, not talking enough throughout the day due to busy schedules or texting on mobiles, making nasty comments to express oneself, telling lies, scolding, etc.
iv) Arguing about every simple reasonable and unreasonable issues especially about kids, customs, culture, food preparations, shopping, etc.
v) Obesity, weight gain, lack of physical fitness, disfiguration of body, etc are common reasons for divorce.
vi) Unrealistic expectations during romantic days before marriage.
vii) Lack of intimacy due to overtime jobs, business, cellophane texting, TV watching, etc.
viii) Lack of equality due to gender bias or position in jobs.
ix) Unhappiness and stress due to attitudes of spouses.
x) Oral or physical abuses and physical violence.
xi) Spouses drinking excessively.
xii) Spouses behaves in an unreasonable and aggressive manner under the influence of alcohol and drugs.
xiii) Chronic diseases making a spouse unfit for sexual life.
xiv) Lack of elders or well wishers to bridge the gap of resentment between husband and wife due to small nuclear family system or money saving mechanism.
We can't say that all these factors or at least some of these will definitely lead to divorce. No, never be so! As mentioned earlier the power of love and affection decimates all these reasons and stand aloft to safeguard the holistic relationships between husband and wife. But once if that power is also made powerless for the sake of colourful world or transient pleasures, then no one can avoid the tumbling down of relationships.
We can just say that these are some of the reasons for divorce or Talaq. Here majority think about divorses and legal games what to play after that unfortunate incident. Better well-wishers, governments, courts, organizations, parties and leaders stop talking much about what to do after divorces but start thinking about how to prevent these divorces. There is only one way to make the nation grow stronger, that is "prevention is better than cure!" Avoid forces that weaken the bonds of love and affection between spouses and among the members of a family, though it costs billions of rupees or dollars in the form of loss of business or taxes to the people and government! Then there won't be any Talaq .... Talaq ..... Talaq. Only Love ..... Love ..... Love!
Sunday, 30 April 2017
Darkness Glows Life
Can we deny the fact that the development of our own body in the darkness of mother's womb for 9 months? No. We can't. All our internal organs are too functioning in the same darkness only and will continue to do so. And so we shouldn't forget the basics of life in the stupefying dazzle of modern electricity!
Here is a superb example for less noticeable MODERN SUPERSTITION! We feel ourselves or someone has convinced us to feel encroaching into darkness of nights as a great achievement when it isn't actually so! We visualize that electric lighting has made humanity win over dark nights, but in fact artificial light is winning over our body organs only! Look at modern world from a satellite at night and it glitters with colourful lights, with billions of wasted energy dollars. Nobody mean this to happen when it's having such a devastating effect on our health and also on the health and existence of other creatures.
Our biological rhythms are evolved to take advantage of both bright days and dark nights. Concrete house plans reduce lighting during day time and electricity increases lighting during night times. Slap on both phases! As educated ones we know the maintenance of circadian rhythms as compulsory to get balanced healthy life. We also know that they influence many of our internal body processes like body temperature, enzymic activities, hormonal balance, hunger cycles, and internal energy levels. But the human body biological clock is being drastically affected due to powerful radiation of short wavelengths in artificial light. Now we can study some of the advantages of dark nights as contrary to that of bright nights created by the business world.
Darkness Heals Human Health:
1) A number of health and environmental problems can be solved with darkness.
2) Darkness prevents light pollution and its consequential maladies.
3) The presence of true, continuous darkness enhances both the quality and quantity of our sleep. On the otherhand fluorescent lights from electric bulbs, tablets and cell phones keep us awake the most. But red and yellow lights from candlelight or lamps are naturally dimmer, and so do not affect much. Anyhow darkness in the bedroom is always safer while sleeping!
4) In darkness 'fight or flight' hormone or 'Adrenalin' is not activated much. So stress mechanism is properly controlled. Owing to less stress and depression more immunity against diseases will be developed.
5) Darkness reduces constipation, stomach ulcers, heart diseases and different kinds of cancer also.
6) If we get the sweet zone of seven to eight hours sleep, we feel ourselves comfortable, peaceful and with strong ability to think clearly.
7) We can improve cognitive skills, memory power, proper communication, and consistent mood without auditory or visual hallucinations during the day. This is very much important for students and their teachers. School and college managements should understand this biological and psychological logic behind studies.
8) Dark nights with sound sleep avoid facial wrinkles, skin blemishes, acne, but increases sex drive.
9) Other very serious disorders can be prevented due to dark nights like obesity, diabetes, fibromyalsia, Alzheimer's disease, etc.
10) During dark nights more "Dracula hormone" or "Melatonin" is produced. Low levels of melatonin is associated with certain cancers. Melatonin checks cancer cells from growing (atrophy) further.
11) Different kinds of cancers like blood cancer (leukaemia), breast cancer, colo-rectal cancer, prostrate cancer, etc can be prevented due to sufficient darkness during nights.
12) Females in prolonged darkness during nights are competitively less prone to breast cancer.
13) Dark nights let children sleep very well and hardly get blood cancer called leukaemia.
14) Males who prefer dark nights and less artificial lights have less chances of getting prostrate cancer.
15) It is estimated that nearly 40 percent of Americans sleep less than seven hours per night. We call it "insomnia." This may be probably due to lack of continuous darkness during nights along with over use of electrical and electronic devices.
2) Darkness prevents light pollution and its consequential maladies.
3) The presence of true, continuous darkness enhances both the quality and quantity of our sleep. On the otherhand fluorescent lights from electric bulbs, tablets and cell phones keep us awake the most. But red and yellow lights from candlelight or lamps are naturally dimmer, and so do not affect much. Anyhow darkness in the bedroom is always safer while sleeping!
4) In darkness 'fight or flight' hormone or 'Adrenalin' is not activated much. So stress mechanism is properly controlled. Owing to less stress and depression more immunity against diseases will be developed.
5) Darkness reduces constipation, stomach ulcers, heart diseases and different kinds of cancer also.
6) If we get the sweet zone of seven to eight hours sleep, we feel ourselves comfortable, peaceful and with strong ability to think clearly.
7) We can improve cognitive skills, memory power, proper communication, and consistent mood without auditory or visual hallucinations during the day. This is very much important for students and their teachers. School and college managements should understand this biological and psychological logic behind studies.
8) Dark nights with sound sleep avoid facial wrinkles, skin blemishes, acne, but increases sex drive.
9) Other very serious disorders can be prevented due to dark nights like obesity, diabetes, fibromyalsia, Alzheimer's disease, etc.
10) During dark nights more "Dracula hormone" or "Melatonin" is produced. Low levels of melatonin is associated with certain cancers. Melatonin checks cancer cells from growing (atrophy) further.
11) Different kinds of cancers like blood cancer (leukaemia), breast cancer, colo-rectal cancer, prostrate cancer, etc can be prevented due to sufficient darkness during nights.
12) Females in prolonged darkness during nights are competitively less prone to breast cancer.
13) Dark nights let children sleep very well and hardly get blood cancer called leukaemia.
14) Males who prefer dark nights and less artificial lights have less chances of getting prostrate cancer.
15) It is estimated that nearly 40 percent of Americans sleep less than seven hours per night. We call it "insomnia." This may be probably due to lack of continuous darkness during nights along with over use of electrical and electronic devices.
16) Darkness keep rods on retina of eyes functioning. It keeps eyes at rest after a day long vigorous work. Resting eye balls keep related brain and remaining nerve cells too at rest to reivigourate the entire body system for the next days work.
Darkness Activates Animals:
1) The immune systems of animals grow strong if there's no artificial light at night.
2) A number of insects, birds and animals are active during dark nights to eke out their living like hunting the prey, and mating, besides conserving energy and water in the body.
3) Dark nights keep populations of different animal species on the earth safe or else they may become extinct.
4) Millions of migratory birds can be saved from dying if nights are kept dark.
2) A number of insects, birds and animals are active during dark nights to eke out their living like hunting the prey, and mating, besides conserving energy and water in the body.
3) Dark nights keep populations of different animal species on the earth safe or else they may become extinct.
4) Millions of migratory birds can be saved from dying if nights are kept dark.
Darkness Blossoms Plants:
1) A number of plants open their flowers only in or with a continuos period of darkness without any intermittent artificial light.
2) A number of plants are pollinated by nocturnal insects, birds and animals only during dark nights. This in turn decides the quality and quantity grains and fruits and their dependents in the food chain.
2) A number of plants are pollinated by nocturnal insects, birds and animals only during dark nights. This in turn decides the quality and quantity grains and fruits and their dependents in the food chain.
Darkness Greens the Environment:
1) Less mining is required to manufacture electrical wires, appliances and bulbs or tubelights.
2) Less number of electricity projects are required, thereby destruction of hilly tracks, forests, rivers, and other water bodies can be minimized.
3) No need of nuclear reactors to generate electricity and thereby no nuclear accidents or radioactive fallouts!
2) Less number of electricity projects are required, thereby destruction of hilly tracks, forests, rivers, and other water bodies can be minimized.
3) No need of nuclear reactors to generate electricity and thereby no nuclear accidents or radioactive fallouts!
Darkness Enriches Economy:
1) We can save billions of dollars from wasting on street lights by keeping nights dark.
2) We can save billions of dollars from wasting on constructing hydroelectric projects, their maintenance, dredging and flash floods due to breaches in dams.
2) We can save billions of dollars being spent on health bills aggravated due to loght pollution and related diseases.
2) We can save billions of dollars from wasting on constructing hydroelectric projects, their maintenance, dredging and flash floods due to breaches in dams.
2) We can save billions of dollars being spent on health bills aggravated due to loght pollution and related diseases.
Whether modern technology is pushing us towards development or destruction is a question least answered! Whether all this development is for wellbeing of humanity or business community is a big doubt! Yet It's to be clarified to the public! All the educated members of the society could analyse and understand the hidden agendas of business and try to handover clean environment, healthy blood and good habits to future generations. We can't anylonger toy with our body clocks to bring severe risk to ourselves, our children and grandchildren's wellbeing.
Posted by Sahara's Bright Stars World at 22:54 Links to this post
Labels: Alzheimer's, animals, breast cancer, cognitive skills, depression, diabetes, immunity, insomnia, leukaemia, light pollution, Melatonin, migratory birds, nuclear, obesity, prostrate, sex drive
Saturday, 31 December 2016
Paintboxes to Colour Nature
Mother nature is always there to display its technicolor to lull its beloved creatures. It's always eager in spanning its vividly eye-catching wings wide enough to take the life forms into its arms. It's manifested when it starts transforming its lush green summer colours into colourful autumn foliage full of reds, golden yellows and brown.
Is there any world in the entire universe which is more colourful and attractive than the planet earth? Are there any mega smoky factories to supply harmful paints to colour this planet earth? Is there any tourism department to paint foliage and flowers to make the landscape beautiful? Is there any great architect destined to plan and design varied patterns of colours in the natural scapes? If any little inquisitive kid ask us these questions, then what would be our answer? As elders we simply laugh and say, "No, dear, that's by nature itsef."
If it were needed to colour all nature
and plants in the world, one can guess how many petroleum rigs, petrochemical refineries and paint factories would be required and how much air and water bodies would have to be spoilt, is beyond anybody's calculation. But the nature isn't so foolish. It generates so many colours and their mixtures without releasing any harmful fumes into air and effluents into water to endanger the lives of fishes, birds and other animals. The nature produces everything with an intention of doing benefit to its entire living community unlike that of the human kind who wants to show his talent with the sole aim of gaining falseprestige and business profits irrespective of the damage caused to the nature through obnoxious chemicals.
The natural wonder with concentric rainbow colours around the Yellowstone's Grand Prismatic hot spring is a reflection of a myriad of pigments in different microscopic cules. The beauty of watermelon snow, pink snow, red snow, or blood snow over the alpine and coastal polar regions during summer is nothing but the hues of astaxanthin pigment exhibited by an alga called Chlamydomonas nivalis. The Red Sea get its shade due to an another alga called Trichodesmium erythraeum.The most beautiful river in the world "the river of five colours" in Colorado get its vibrant colours due to red plants called Macarenia clavigera, the yellow and green sand, the blue water and all the shades in between. Even the hot chillies exhibit green, yellow and red shades as they pass through unripened to ripened stages.
Every plant, tiny or mighty, has billions of tiny paint factories, hidden deep in their bodies, to produce myriad of colours and their mixtures. These factories are called plastids. Some describe them as microscopic paintboxes too. But majority of these paintboxes are green and are called chloroplasts. Green paintboxes produce green pigments called chlorophylls. A chlorophyll is a tiny molecular solar cell that traps sunlight to produce food not only for its own plant body but also for the guest animals which depend on it. Obligations won't stop here, but increase further to raise a green canvas spacious enough to be splashed with ever changing interesting patterns according to the days and seasons. Same thing is with respect to animals and their body complexion. No any fixed monotonous pattern to disgust its frequent visitors like insects,birds and other animals. That's how the nature is creative and interesting!
By the way the microscopic paintboxes that produce pigments of different colours are called chromoplasts. Each paintbox is filled with a colourful pigment or a mixture of different pigments. But in the case of flowers microscopic paint sachets containing anthocyanins are available which are called vacuoles. Even a mega paint company fail to present a catalogue with such a huge range of hues and shades. And no one architect or a painter dare to create the aura of colours and their mixtures as so we visualize in the natural world. The colourful pigments are always there beside the green pigments either to protect green pigments or to radiate an additional quanta of light particles to enhance their food manufacturing capacity. In addition to providing a beautiful look to the landscape they lure a number of pollinators to come, pollinate, fertilize and produce seeds and fruits.
Red, orange and yellow colours of carotenoids; blue, purple or burgundy colours of anthocyanins; and red and yellow shades of betalins are always available without a no stock board! While carotenoids paint carrots, papayas and yellow flowers; betalins colour beetroots; apocarotenoids paintoranges; and anthocyanins paint red, pink, purple, violet and blue flowers and apples.
But the pigments synthesised in plants are not pollutants in contrast to those manufactured in paint factories. Plant pigments are multipurpose in the sense that they are not only aesthetic with everchanging patterns but also synthetic in producing oxygen, food, medicines, fruits and vegetables unlike that of artificial paints which give fixed monotonous aesthetic sense along with suffocating gases and carcinogenic effluents.
If it's so then where's the need for importing barrels of petroleum, petrochemicals and paints. Is it must to choke the breathing systems of workers in factories and on high walls of buildingsto create the fake and fading complicated designs? Can't we habituate ourselves to live in smaller houses surrounded by bigger colourful gardens all around? Why shouldn't we enjoy the colours in the perpetual ever-changing garden rather on the ever fading saddened walls? A twist is urgently needed to be given to the never quenching economic greed an ever charming philanthropic lead!
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Turkey is famed for its Hamams (Turkish Baths) and there are plenty in Istanbul, some being men-only however those with a large gay clientele are located outside the city centre and hidden on back streets. There are laws that forbid sexual-activity in public places that have forced the closure of exclusively gay bathhouses.
Istanbul is the place to explore and discover the Ottoman Empire and the history of homosexuality that can be found depicted through ancient stories and artwork.
Istanbul is also the centre of gay life in Turkey with a breathtaking and cosmopolitan atmosphere. Around Taksim you will find restaurants on roof tops with an amazing view over the city and great food. The nightlife doesn't start until midnight and continues to the early hours of the morning, there are a number of bars making it a vibrant and thriving new gay scene.
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This laboratory course provides hands-on experience with methods used in endocrinological investigations. The students will learn techniques ranging from the organismal to the molecular level. The course emphasizes hypothesis testing, modern techniques, and data analysis. Prior or concurrent enrollment in MCDB 418 is required to take this course. The enrollment is limited to 12 students. Students should be aware that this course uses live animals. The laboratory will meet twice a week (a four-hour session and a two-hour session); however, students should anticipate an additional two or three hours laboratory time at various (and occasionally odd) times in the week. Course assignments include a term paper, quizzes, and other short assignments.
Textbook: Laboratory Manual for MCDB 419 for the current term. Ed. S. Pavgi.
Prior or concurrent enrollment in MCDB 418 is required to take this course.


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Trigger warning: Profanity. This series may be triggering to some rape victims.
Rape is not like a car accident: "the brakes failed, and I was broadsided by another car."
This is part of what "they" mean when they talk about rape culture. We need to learn to talk about rape - a crime, and an action - as something that someone does to someone else, because rape is a choice.
What My Parents Didn't Teach Me
My parents taught me much more than many young girls learned about the mechanics of sex., especially for my (GenFab) era. From the time I was fairly young, I was allowed to look at my father's Playboy magazines (mostly to find the bunny on each cover), and told that the human body, female and male alike, was beautiful and nothing to be ashamed of. That sex felt good and that wanting to have sex was healthy and normal.
BUT, my mother died when I was ten, and my father thereafter handed me a series of books about sex, the human body, menstruation, and so forth, and emotionally stepped away. At twelve, he told me that he trusted my judgment (really?), and that I should feel free to do whatever I wanted to do, as long as I didn't get pregnant.
It will not take Einstein to deduce that at the age of 12 (two years before I began menstruating), I was not quite ready to be entirely free of parental supervision and guidance.
In high school sex ed, I could wow my teachers by not only being able to locate the Fallopian tubes on those purple mimeographed diagrams, but to spell Fallopian tubes, uterus, and a whole lot of other body parts many of my classmates had never even heard of. Yet my understanding of the workings of romantic relationships was rudimentary at best.
So, There Was This Boy...
If you're a (hetero) teen girl, there is always a boy or five that you "like." I liked boys, going back to elementary school, but had no clue as to where to draw the line regarding sexual activity - or even if there really was a line. Kissing felt good. Touching and rubbing felt good.
A couple of times, when I was very young, I went "all the way." But I was beginning to pick up the societal mores that sex was supposed to be dirty/naughty, I was afraid of getting pregnant because I thought sperm lived in a woman's body forever, and also, I joined a
When I was 17, I left the cult. I didn't know how to date - and mostly, the young people in my neighborhood didn't seem to date, anyway. We "hung out" together, in groups. So there was this boy, call him Boy A who seemed to really like me, and he was... okay, but neither his conversation nor his body really excited me. I did let Boy A kiss me a few times, but his kisses left me unmoved, and I made it clear that he and I weren't "going out," even if we were "hanging out."
Among his friends, however, there was another boy, let's call him Boy B, who I thought was very sexy. We all went bowling together, and Boy B and I flirted heavily. We seemed to have a special connection, and although Boy B didn't ask me out, well, nobody "dated" in our crowd.
One night at a party, I got really, really stoned. We were all in a place where we shouldn't be and had to scatter. Boy B took charge of me (oh, the alpha male!) and managed to get me into his room, alone.
After what seemed like hours of sitting in the dark beside each other on his bed, not even daring to breathe very loudly, lest we be caught, he began to kiss me.
Rape Is A Many Splendored Thing
Many soap opera storylines, movies, and books all taught me and other women of my generation that at least sometimes rape = uncontrollable passion/secret, unacknowledged love.
Take General Hospital, where Luke raped Laura, and later, she not only forgave him, but fell in love with him. That scene in Butch Cassidy and the Sundance Kid, where Katharine Ross is forced to undress by gunpoint and then is forcibly kissed, and at the very end, barely whispered, is a hint that this is a "rape is fun" game. (Which I entirely missed the first 2-3 times I watched the movie.)
|Kathleen Woodiwiss's The Flame and the Flower (Photo credit: Wikipedia)
Candy at Smart Bitches, Trashy Books took a crack at understanding the lure of the rapist hero:
What makes the rapist hero different is how the very fact that she makes him lose control, he, a man who has bedded women without count, makes him lose control even more. He desires her, and hates her for desiring her, and he punishes her accordingly. By the end of the book, though, he has submitted to the fact that he doesn't just want her, he needs her, the way Ozzy Osborne needs Vicodin and red wine.
The more unkind critic would note that his dick has made judgment, and his dick apparently knows better than any other organ of his when he's found his soulmate.
The less unkind critic would point out that many women secretly want to drive a handsome man crazy for love of their irresistible little selves, even though such behavior in real life would probably result in panicked calls to the police and restraining orders.
He Wasn't Even A Very Good Kisser
After all the sparks and flirting and excitement, this was a real letdown. I should enjoy being with Boy B, making out with Boy B, but mostly, the thought going through my muddled head was, "As soon as the coast is clear, I'm getting out of here."
At some point, he convinced me to lie down on his bed, and for what seemed like a very long time we lay there together, side by side with him occasionally stroking my cheek and nibbling my earlobe.
Without warning he climbed on top of me and tried to wrestle my underwear off, while I whispered "No!" as loud as I could without getting him into trouble, and yanked my pants back up. In a detached corner of my mind I thought how ridiculous this must look, him yanking my pants down, me pulling them back up.
I have since learned that in crisis mode, that's exactly what happens; the brain distances itself and you often fixate on some weird little detail.
In the end, he managed to get them down enough, get me pinned enough, to penetrate me. It hurt, a lot. I stopped fighting, trying to "lie back and enjoy it." But unlike in romance novels, it never felt good, or even okay, It simply continued to hurt.
Why didn't I call out for help?
Because geez, Boy B was my friend, I didn't want to get him into trouble. I also had some vague thought of not wanting to hurt Boy A's feelings, either. Besides, I had wanted to be with Boy B, right?
I got him to sneak me into the bathroom, when it was over, so I could clean up.
I was bleeding.
He became upset that I had bled onto his sheets, because it could get him into trouble. I actually apologized to my rapist because his raping me made me bleed.
I Thought Boy B Must Really Like Me, Like All The Romance Heroes
Then I got a message passed back to me through the group grapevine. Boy B isn't your boyfriend, he doesn't want to be your boyfriend. He already has a girlfriend; he just wanted to fuck you, dumbass.
The confused and shamed feelings I had were very similar to these, expressed in Ilie Ruby's The Salt God's Daughter:
But it was the shame and humiliation that lingered most of all as I watched him speed away on his bicycle, knowing I'd never see him again. And self-loathing that followed, the slow and painful slogging through grief as I knelt on his white blanket, stained with my blood, hands covering my face. I would begin walking the never-ending path to forgiveness, trying like hell to figure out how I could have let this happen....
...Charges were not pressed. I didn't fight him. I hadn't even screamed. In those days, in the early '80s, few girls pressed charges, especially when they'd gone with a guy willingly, as though lambs to the slaughter, like I had done. People called it consensual... ...What if you just lay there, doing nothing, motionless, lost from the shock or the alcohol? What if you didn't struggle enough? What if you had wished only to kiss him?
Did you want it?...
... When it was over, when he was done with me, before he took off, he picked up one of the smashed roses and thanked me.
I'll never forget it: I actually took the rose.
The More Things Change, The More They Stay The Same
The latest tragedies of young women being raped and then slut shamed, who have felt so rejected by their communities and betrayed by their friends that more than one have committed suicide, breaks my heart. That could so easily have been me, but, back in the day, we didn't have FaceBook or Twitter or Tumblr to keep shame alive.
I want to say, much like the "It Gets Better" campaign, that it doesn't matter, it doesn't affect your worth as a human being whether you willingly engaged in consensual sex at halftime on the 50 yard line with the entire football team, or whether you were raped by some/all of them, you are not just a vagina (or other body part, in the case of male rape victims).
Estimates are that 1 in 4/5 American women will experience rape in her lifetime. Yet how many of us talk or write about it? Using our real names and real experiences?
Admittedly, being a rape survivor is not the first thing that does or should come up in conversation, except in therapy groups. "Hi, I'm Beverly, I've been raped a few times, and I write sexy women's fiction in my spare time," is kind of an awkward intro.
What's the appropriate reply, "Hi, nice to meet you, sorry about the rape thing, try the cheese dip"?
Yet what we do now - most women (and male victims), pretending they have never been raped, not allowing rape victims' names to be printed in news stories without the victims' permission - perpetuates the idea, for many rape victims, that they are all alone, and that rape is shameful.
Rape is shameful - for rapists. Rape should not be shameful for rape victims.
to be continued...
Your thoughts?


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Icelandic voters overwhelmingly rejected a $5.3-billion deal to repay debts to Britain and the Netherlands for their losses in the 2008 collapse of Iceland's private online bank, Icesave.
Partial results from Saturday's referendum on the issue show that more than 93 percent of voters said "no" to the legislation.
Britain and the Netherlands compensated about 340,000 of their citizens who lost the money they had in Icesave.
The bill narrowly passed Iceland's parliament in December, but President Olafur Ragnar Grimsson refused to sign it, saying the terms of repayment were too harsh.
Under the plan, each citizen would have to pay about $135 a month for eight years. The president said many Icelandic families cannot afford that.
Talks among the three countries Friday ended without agreement.
Iceland's failure to reach a final repayment plan could hurt its aspirations for European Union membership.
Iceland's finance minister, Steingrimur Sigfusson, said Reykjavik will honor its financial obligations regardless of the poll's outcome.
Some information for this report provided by AP, AFP and Reuters.