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06 May
Why not get a head start on fundraising for next season? Starting today, May 6, you can enter our drawing for a chance to win a $400 American Express Gift Card!
Not only will you have the chance to earn some well-deserved cash for you and your DI team, you'll also stay up-to-date with the latest Destination Imagination and Global Finals news! The deadline to enter the contest is June 9, 2014.
06 May
Are you ready for your Global Finals Instant Challenge? Sign up for one of our Instant Challenge Boot Camps which are designed to put your team's problem solving skills to the ultimate test!
This year, we've teamed up with our friends at NASA and National Geographic to design some of the most unique, creative Instant Challenges ever. You can also challenge your quick and creative thinking skills with your parents, grandparents and siblings in our Family Instant Challenge Boot Camps. Our Global Finals camps fill up fast, so be sure to reserve your spot early on ShopDI.org! Camps are $40 per participant, ages 6-18. Adults may sign up for Family Boot Camps which are $75 per registration, and can include up to five participants of any age. You can also register for camps on-site at TRECS.
National Geographic Instant Challenge Boot Camp!
Join a team of National Geographic explorers, test your survival skills and journey around the world to see if you have what it takes to solve some of DI's wildest challenges.
Wednesday, May 21st 10:30am-12:30pm
Thursday, May 22nd 9:30am-11:30am
NASA Instant Challenge Boot Camp!
Time is running out and NASA needs your help! Fly into outer space with your team to help NASA's astronauts solve out-of-this world challenges before it is too late!
Thursday, May 22nd 2:30pm-4:30pm
Friday, May 23rd 9:30am-11:30am
05 May
Congratulations to Mariah Maki from Jaffrey, NH, Destination Imagination's Valedictorian of Global Finals 2014! Mariah will receive a $4,750 scholarship ($2,000 from DISC, $1,000 from DI, and $1,750 from Team Scholars Sponsors).
We also want to congratulate this year's DI Scholars, who will each receive a $950 scholarship ($250 from DISC, $250 each DI, and $450 from Team Scholars Sponsors):
- Selena Snyder from Maryland
- Noah Levin from New Hampshire
- Chandler Sebek from Texas
- Isaiah Baker from Minnesota
02 May
Think our Camps are fun? Then get ready for our all new Global Finals Skills Workshops Series!
For the first time at Global Finals, DI-ers will have the opportunity to participate in 19 different Skills Workshops! From hip-hop and Broadway dance to 3D printing and microcontrollers to forensic science, these workshops are designed to help you further explore your curiosity and enhance your skills.
Whether you're an arts fanatic or a budding STEMist, you will not want to miss out!
To register for your favorite class, head over to our ShopDI site!
Broadway Master Class: Script Writing
Explore the development of creating a theatrical world through script writing with an acclaimed Tony nominated Broadway Master Writer.
Broadway Master Class: Visual Arts and Sculpture
Learn to envision a "big picture" and determine the versatility and synthesis of skills needed to create it in this Broadway Master Class


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During times of rapid change, it's usually those brave enough to take life by the reins and simply enjoy the ride that come out on top, and this is certainly something that can be said of Twin Limb.
Beginning life as a duo, Lacey Guthrie and Maryliz Bender embarked on a recording session that was to change the dynamic of Twin Limb forever and see them absorb their then-producer Kevin Ratterman into their sonic bubble. And as it turns out, that bubble grew into their expansive EP Anything Is Possible And Nothing Makes Sense, a record that sees Twin Limb fully showcasing their emotive, densely layered dream pop ethos.
On the surface, the band have a more folk orientated set up with drums, guitar and accordion at the fore, but Twin Limb manage to morph the their sound into an expansive, singular sonic landscape filled with exquisite harmonies and a touch of heartache.
We were lucky enough to catch up with the band to talk about how their EP came together, and how embracing change can be a truly positive thing.
Could you introduce yourselves and tell us a little bit about you?
Hey, we're Twin Limb! Lacey's on the accordion/vocals, Maryliz is on drums/vocals, and Kevin is on guitar/sampled sounds. We've been this manifestation of Twin Limb for just over a year. Lacey and Maryliz are designers/developers by day, and Kevin is an engineer/producer, and owns La La Land, the studio where we practice and record in Louisville, KY.
Your new EP Anything Is Possible And Nothing Makes Sense has just been released into the world. How does it feel to get it out there?
Maryliz: It's such a relief to finally have something available to share with the world! It's also the first official album release that I have ever been involved with, so it's terribly exciting for me. This is a dream come true and I'm just thanking my lucky stars that I was able to make something that I'm so proud of with two people I love very dearly. It's also great to be able to point people to the music. Now when people ask me what we sound like, I don't have to come up with a clever genre name for them to ponder.
Tell us about how the EP came together.
Kevin: The main catalyst for the EP was really to get something out into the world since it was becoming apparent that the album wasn't going to come out until the spring. We had some opportunities to release the album earlier but are so excited about it that we really wanted to get the timing right. Also, since we've evolved as a three piece from a duo the songs have been taking new shapes that we wanted time to evolve properly and re-address in the studio. So the plan became to put together an EP of older material to at least have something out in the world. We did it fairly quickly in our studio and had an amazing time making it. We learned a lot.
You began as a duo but have now swelled to a three-piece. How has this affected your sound and the way you operate as a band?
Lacey: There are a couple of new things happening. We're not limited to two bodies. Really we're not even limited to three if you've seen Kevin playing live, he's multitasking like crazy back there. We can go from writing and recording to playing shows without losing the sound we've recorded and love so much. The second (and most important) change is that we have three brains in the mix now, and Kevin's brain is really special to us. He hears an idea for a song and knows exactly what it's meant to be like, what would fit, what it's missing, etc. I think Maryliz and I have thrown our hands up and said 'god that's perfect' at everything he's written. We click creatively and it's really, really nice. We're lucky.
The central instrument in Twin Limb is quite unconventional. Why the accordion?
Lacey: I held an accordion for the first time at Bizane's Music here in Louisville and I fell in love. There's no feeling like playing one. It's got lungs, it vibrates against your chest when you play, it's heavy, and the sound is unique. It's not the most practical instrument but I'd feel lost without it.
Your EP has a really deep atmospheric and textured quality to it. Is this something you specifically want to achieve in your music?
Maryliz: I don't think it's something we specifically thought about or aimed to achieve at the onset. Once we record the basic tracks, we tend to come up with tons of new ideas in the recording studio, and we explore all of them. During the process of recording this album, we kept adding layers and atmospheric sounds that we fell in love with and are now able to produce live by sampling the instruments we played in the studio.
You covered 'Yoo Doo Right' for the EP. Are you big Can fans?
Kevin: Our studio was built to heavy doses of the entire Can catalogue! The freeness of sound and rhythm is a huge inspiration. Also great for those long stretches of empty highway.
Word on the street (well, the internet) is that you were working on an album when you took on an new member. Are you now starting from scratch or re-working that material to incorporate your new dynamic?
Kevin: Maryliz and Lacey entered the studio as duo with the idea of me working as a producer. The collaboration was so effortless and it became apparent that we desperately wanted to be in band together after the album was recorded. The songs took new forms with almost no question to everything that was happening as we constructed them. So once the album was completed, we started playing shows as a three-piece and were able to introduce the textures of the album into the live show. We were extremely happy with the record, but as we toured and started playing more vigorously the songs starting taking on new lives of their own.
Then after recording the EP for a fall release, we really found a sweet spot on the production side on how to capture the sound of the "band" while still being in love with lots of elements of the initial magic from the first session. So essentially we've made a hybrid, taking many of the sounds and samples from the initial record and applying more of a live feel to the sound of the basic tracks. The result has been extremely exciting! We are currently mixing those tracks and added one brand new song and couldn't be more amped about it.
So, when can we expect an album from Twin Limb?
Lacey: We're aiming for this spring.
What's next for Twin Limb over the next 12 months?
Maryliz: We'll be releasing a music video in the very near future and we're currently shaping a plan to hit the road for a good chunk of time, starting in early 2016. We'll be announcing those dates as we confirm them pretty soon. We'll definitely release a full-length album within that time and we're already writing new material, which we'll continue to work on. We're super excited for 2016!
Anything Is Possible And Nothing Makes Sense is out now.

subset: commoncrawl


text: I saw some posts at here indicate that the time in Rune Factory 3 is flowing uber fast anytime anywhere? Even in the house where the time supposed to be stopped? So should I buy it or not ?_? I love the Rune Factory 1 & 2 series and because of this reason it made me consider again and again, whether to buy it or not... Give me advice please! Thanks.


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Sometimes, it takes a sheer act of will to turn right, not left, at a certain point on our evening walk. Other times, will fails and longing wins.
My husband and I have not lived in what we call "our real house" for 15 years. We've lived eight-tenths of a mile away from it for that long.
But some gravitational force, especially on soft summer nights, propels us back to that street and that house where like love-struck teens, we stop and gaze at the old Tudor – the "old girl," we called her – where we spent 28 years. We left only when it was painfully clear even to us that the place was just too big, too complicated and too demanding for the likes of us.
But homes retain their claim on us. Enclosed within are memories. Matters of the heart and the soul. A fondness that for us reached all the way to love.
For my husband, it was the stairway, brazenly uncarpeted, grand in a 1920s kind of way, that let him surrender to a house that was always going to be demanding. For me, it was the sparks of color when the sun hit the stained-glass den windows in the afternoon. For our school-age kids, there was no better house in the universe for hide and seek.
We forgave the house's caprices. No sensible floor plan. Inefficient heating. Something always broke or failed. It ate money we didn't have in abundance. Local plumbers and electricians would take one look and flee.
Our kids begged us to stay put even after they left for college. And again when they returned to the area. Their dream was to be married in our backyard.
"They'll change their minds when the time comes," I assured my husband. I was wrong.
And it came to pass that Jill, Amy, and Nancy all got their wish. On three June days a few years apart, the Friedman brides walked down that staircase that had seduced us from the start.
Then each was escorted by her father down the path from the front door to the old beech tree in the yard. It wasn't planned. He ad-libbed the circling of that much-loved tree for the first wedding and it was a required ritual for the second and third.
Then a few years passed, and we sensed it was time to part from the "old girl." Even our daughters – and their husbands and even friends – prodded us with a well-meaning clarion call for change. Ready or not.
My husband had retired. We were grandparents. And this was the time to sell, the local Realtors kept reminding us.
So the potential buyers came. One couple talked about spreading wall-to-wall carpeting on our old oak floors. Another muttered about the impractical "traffic flow." Wildly impartial, we vowed we'd never sell to them.
Then along came a couple who were as smitten as we had been. But we had to be out in eight weeks. So we were – because we wanted them to be the next custodians of that tyrannical old Tudor.
We have been back. An even newer set of owners graciously invited us to their holiday party and let us roam. The rooms were wonderful – but not the same. The kitchen was beautiful and modern – but the photos on the shelves in the living room were not of our kids.
Other guests at the party knew of our connection and gave us space and privacy as we wandered. But if they watched this elderly couple, chances are they saw us wiping away a tear or two along the way.
Certain homes have souls, so yes, on summer nights when we can't resist, we walk past, and pause just to look – and remember.
Email: firstname.lastname@example.com


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CDSRA Member, Drew Fischer will take charge of Leg 2 of the Canadian Championship Final between Vancouver Whitecaps FC and Toronto FC this Wednesday, August 15th at 5:45 PM.
Alberta Soccer is proud to have its Referees selected for various national and international opportunities over the past month.
It's an Alberta affair down in Houston with both Dave Gantar and Drew Fischer taking charge of today's match between Toronto FC and the Houston Dynamo.
The fitness test is coming soon! Are you ready?
The CDSRA is proud to announce a new program for Entry-Level/District referees!
CDSRA Member, Drew Fischer will take charge of Leg 2 of the Round of 16 between Guadalajara and Cibao FC in the CONCACAF Champions League this Wednesday, February 28th at 6:00 PM.
Alberta Referees, Drew Fischer and David Gantar will kick off the MLS season for the home opener between the Vancouver Whitecaps and Montreal Impact this Sunday, March 4th, at 4 PM Mountain Time.
The Alberta Soccer Association has released a cool video on the inside life of referees, and how to get involved.
Featured in the video are CDSRA member Sunny and Sim!
The Canada Soccer Toyota National Championships U15 Cup are taking place this week in Calgary!
Congratulations to all the officials that have been appointed to this prestigious tournament! It is truly an honor for everyone to have reached this level.
The CDSRA Executive Team is excited to announce the IRT sessions for the next three months! Before the Holiday season, we'll offer session on the Indoor AR/Fourth Official duties, the contentious Boarding call, and for the first time, a Futsal session!


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Written by Elayne Fivenson on January 3, 2015
Basic science research funding through the NIH has become more and more scarce, particularly for junior researchers. As a result, more groups are turning to crowdsourcing to fund their research. Through platforms such as Kickstarter, crowdsourcing has become commonplace for funding artwork, films, tech development, etc. Extremely successful projects, such as the Veronica Mars movie, have raised several thousands, or even millions of dollars, accumulated mostly through small donations. Sites such as Kickstarter allow those looking to spearhead a project to post a proposal with a fundraising goal. Potential donors visit the site and make a contribution to projects that wish to support. Scientists are now hoping to attract the same donations. Several recent articles, including ones featured in Cell and on NPR, examine how this method of funding works and the possible implications it has for the field.
There are several possible crowdsourcing platforms available to scientists. Some are research-specific, such as petridish.org or experiment.com. Others, like Kickstarter and Indiegogo are broad crowdsourcing platforms and include a wide range of projects, with sections for health, technology, and the environment. Even within these categories, there is a diverse array of projects. In the "health" category, fundraising campaigns range from projects looking to support the health of an individual or providing hospice care to vaccinating an entire community. Regardless of the site, most research project proposals follow a standard format. Usually, they begin with a promotional video introducing the research project and the people involved. The proposal explains why this research is important, the impact it will have, and how the money raised will be spent. Most research projects allocate funds to buy new equipment, cover lab space fees, or even travel fees.
An example of a research project highlighted by NPR is Ubiome, a company focused on sequencing the human microbiome. Those who donate receive a kit in the mail to get their own microbiome analyzed. The group hopes to gather enough data to deduce population trends in microbiome composition. So far, the group has raised over $300,000 on crowdsourcing platform Indiegogo.
Proponents argue that crowd-funding science will reward scientists who are able to engage the public. Only those able to successfully communicate their ideas will be funded. The hope is that by recruiting the public to get more involved in research, the scientific community can establish a dialogue between experts in the field and the people they are hoping to impact with their research.
Some researchers are hesitant about the crowdsourcing approach to research. There are legitimate concerns that research will turn into a popularity contest; only the catchiest projects will attract donors. After all, on websites like Indiegogo and Kickstarter, science is competing with projects like "the ultimate drinking jacket: the ultimate gift for any drinker!" or "Plexidrone: Making aerial photography a breeze!" I mean, can science ever be that sexy? I don't want to come off as elitist, but there's something off-putting seeing proposals for basic science research that strive to improve the world we live in and expand the wealth of human knowledge lumped together with all of these more material pursuits. The root of the concern is that if crowdsourcing becomes a mainstream source of science funding, scientists will feel pressured to compromise their research goals by attempting to woo potential donors that are not experts in the field.
Traditionally, only research proposals that are most sure to produce results have been funded. However, it is important to encourage innovation. The research that has the greatest potential impact often carries the greatest risk and may be overlooked by traditional backers. Crowd-funding rewards scientists that engage the public and think creatively. In a time where the disconnect between the public and research community seems especially deep, maybe crowdsourcing is exactly what we need.
1. Wheat, Rachel E., Yiwei Wang, Jarrett E. Byrnes, and Jai Ranganathan. "Raising Money for Scientific Research through Crowdfunding." Trends in Ecology & Evolution2 (2013): 71-72. Web.
2. "Scientists Pass The Hat For Research Funding." Scientists Pass The Hat For Research Funding. N.p., n.d. Web. 16 Dec. 2014.


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HOUSTON - Nearly 800 YES Prep Public Schools seniors participated in a signing day ceremony at Toyota Center Wednesday morning. The college-bound students had the chance to go on stage and announce where they'll be advancing their education.
"At Yes Prep Public Schools, we say that 'all means all,' meaning every single student should have an opportunity to have an excellent education and go to college," said Chief Program Officer Nella Garcia Urban of YES Prep Public Schools.
On Senior Signing Day, all students from YES Prep Public Schools attend as a way to inspire future seniors.
"I've been coming to this event since I was really little, and I've been able to see the seniors announce," said Marissa Rivera, a YES Prep-East End senior who will attend Yale University. "It was so cool, and now it's actually me! That's really exciting."
YES Prep Public School is an open-enrollment charter school system in Houston with 16 institutions and serving more than 11,600 students in grades 6-12.


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Red Velvet Cupcakes.
Fluffy and moist, these buttery red velvet cupcakes are my favorite. The tangy cream cheese frosting puts them over the top!
Over the past year, the most requested recipe on my blog is… red velvet cupcakes. To be honest, I was never a huge fan of red velvet up until a few years ago. Is it chocolate? Is it vanilla? The flavor always leaves me confused.
But I began to fall in love with it when I bit into a lavish 3 layer slice of red velvet cake at my friend's wedding. It was so unworldly moist, very buttery, full of vanilla flavor with a hint of chocolate goodness. And the tang from the cream cheese frosting was the perfect compliment to the indulgently sweet red velvet crumb underneath.
Simply put? That red velvet cake was the bees knees.
I have never been able to recreate something like it! I've felt like a red velvet failure for the past 3 and a half years. I've tried a lot of "good" red velvet cupcake and cake recipes– some great– but nothing that deserves a spot in my archives. When I received the billionth request from a red velvet loving reader (thank you for the nudge, Nancy!), I knew it was time to put on my big girl red
velvet pajama pants. Ick! I don't wear velvet pants.
In the midst of all my pumpkin pie shenanigans last week, I also worked like a mad scientist on a red velvet cupcake recipe. And I am praising the heavens that I finally nailed it. NAILED IT! These cupcakes are absurdly amazing. And I'm not just saying that. My husband who "hates" red velvet inhaled 2 before his dinner of buffalo wings and french fries. The metabolism of a 20 something man, ladies and gents.
I'm getting off topic. So, let me tell ya a thing or two about these here cupcakes.
What makes red velvet stand out from say, chocolate cupcakes, is its wonderfully buttery flavor. I love that about red velvet. And during some recipe testing, I threw that flavor aside because all I could concentrate on was "make this cupcake moist, sally." And we all know oil brings so much moisture to cupcakes! But with oil we (1) don't have that natural buttery flavor and (2) the cupcakes aren't as light and soft. Something creamed butter imparts into cakes and cupcakes. Furthermore, I often find that too much oil weighs baked goods down.
So, let's use both. Oil – "the moist maker" (name that quote!) and creamed butter – a tried and true way to a fluffy cupcake crumb.
The cocoa. We're using that so the red velvet cupcakes can have a hint of chocolate. To me, red velvet is more of a vanilla cake than a chocolate cake. So I use only 4 teaspoons of cocoa to give the cupcakes that subtle chocolate flavor. It's perfect.
Though I typically love throwing brown sugar into just about everything I bake, I leave it out of these red velvet cupcakes. I don't want 1 hint of molasses flavor overtaking the vanilla, butter, and chocolate flavors. Simple white sugar is enough.
Baking Science // Nerd Alert…
Buttermilk is a must when it comes to red velvet. Slightly tangy, lots of moisture, and ultra creamy. You really cannot make these red beauties without it. Besides what buttermilk does to the taste and texture of these red velvet cupcakes, it also helps to activate the baking soda. So does the vinegar. Don't get scared, a touch of vinegar is normal in red velvet desserts– and no, you cannot taste it. If you don't have white vinegar, you can use apple cider vinegar. The vinegar also makes the red… redder.
I almost forgot to mention the flour. What may have thrown off all my red velvet cupcake testing was the flour. Cake flour is key to an ultra light cake, but I (and you, I'm sure) don't really keep cake flour in the pantry. So, I usually develop my cake and cupcake recipes with all-purpose. Well. The moment I added cornstarch to all-purpose flour to make DIY cake flour was the moment I knew this recipe would be the winner. What's cake flour and why is it so extraordinary? Cake flour is a low protein flour (about 8%) and has a very fine texture. A lower protein count = less gluten forms when you mix it into a batter, thus producing a cake with a fine, soft crumb. Think, angel food cake. In a nutshell, cake flour produces a noticeably lighter cake crumb than all-purpose and red velvet cakes are known for their soft, light texture. Rather than buying cake flour, reduce all-purpose flour slightly and add cornstarch.
That was much longer than I intended it to be. Oy.
Though the red velvet cupcake itself is pretty impressive, my favorite part about this cupcake is its combination with cream cheese frosting. My frosting is like a cloud from cream cheese heaven. Incredibly creamy, tangy, sweet, smooth, and luscious. It's my favorite cream cheese frosting recipe and has never steered me wrong.
You're going to love 'em. Red velvet lovers, now we rejoice.
Follow me on Instagram and tag #sallysbakingaddiction so I can see all the SBA recipes you make. ♥
Red Velvet Cupcakes
- 2 large eggs, room temperature and separated
- 1 and 1/3 cups (160g) all-purpose flour1 (spoon & leveled)
- 1/4 cup (32g) cornstarch1
- 1/2 teaspoon baking soda
- 4 teaspoons (6g) natural unsweetened cocoa powder
- 1/4 teaspoon salt
- 1/4 cup (60g) unsalted butter, softened to room temperature
- 1 cup (200g) granulated sugar
- 1/2 cup (120ml) canola or vegetable oil
- 2 teaspoons vanilla extract
- 1/2 teaspoon distilled white vinegar
- liquid or gel red food coloring2
- 1/2 cup (120ml) buttermilk, room temperature3
- cream cheese frosting for topping
- Preheat oven to 350°F (177°C). Line a 12-count muffin pan with cupcake liners. This recipe makes 14 cupcakes, so you will have 2 cupcakes to bake in a 2nd batch.
- With a handheld or stand mixer fitted with a whisk attachment, beat 2 egg whites on high speed in a medium bowl until soft peaks form, about 2-3 minutes. See photo at the bottom of this post for a visual. Set aside.
- Sift the flour and cornstarch together to make sure it is evenly combined. Whisk this, along with baking soda, cocoa powder, and salt together in a medium bowl. Set aside.
- Using a handheld or stand mixer fitted with a paddle attachment, beat the butter on high speed until smooth and creamy - about 1 minute. Add the sugar and beat on high speed for 2 minutes until creamed together fairly well. Scrape down the sides and up the bottom of the bowl with a rubber spatula as needed. Add the oil and beat on high for 2 minutes. The butter may look "piece-y" and not completely combine with the oil. This is normal and ok.
- Add 2 egg yolks and the vanilla. Beat on medium-high speed until combined. Scrape down the sides and up the bottom of the bowl with a rubber spatula as needed. Beat in the vinegar and the food coloring-- until you reach your desired color. I use 2 Tablespoons. With the mixer on low speed, add the dry ingredients in three additions alternating with the buttermilk, beginning and ending with the dry ingredients, and mixing each addition just until incorporated. Do not overmix. Fold whipped egg whites into cupcake batter with a rubber spatula or wooden spoon. The batter will be silky and slightly thick. (If there are still pieces of butter - and there were in 1 test batch for me - again, this is ok. They will melt inside as the cupcakes bake. Making them even more buttery.)
- Spoon batter into cupcake liners filling 1/2 - 2/3 of the way full. Bake for 20-21 minutes or until the tops of the cupcakes spring back when gently touched and a toothpick inserted in the center comes out clean. Don't overbake; your cupcakes will dry out. Allow to cool in the pan for 5 minutes, then transfer to a rack to cool completely.
- Prepare cream cheese frosting. Frost cooled cupcakes immediately before serving. I used a Wilton #12 tip; I don't recommend a star tip. This frosting is a little too thin.
Make ahead tip: Cupcakes can be made ahead 1 day in advance, covered, and stored at room temperature. Frosting can also be made 1 day in advance, covered, and stored in the refrigerator until ready to use. Decorate/assemble cupcakes immediately before serving. Leftover cupcakes keep well covered tightly at room temperature or in the refrigerator for 3 days. Unfrosted cupcakes can be frozen up to 2-3 months. Thaw overnight in the refrigerator.
Recipe Notes:
- I use a combination of sifted flour + cornstarch to produce cake flour - if you keep cake flour in the pantry, use 1 and 2/3 cups (192g) instead of the specified all-purpose flour and cornstarch.
- The amount of red food coloring is up to you. I tested with varying amounts. To get the dark red color you see here, use 2 Tablespoons of liquid food coloring. Dye the batter until you are pleased with the color. Of course, you don't have to dye the batter at all if you don't want to. I have never tested this recipe with a natural alternative.
- Buttermilk is required. I use low-fat because that's what I typically have, but full fat buttermilk is fine here. If you do not have buttermilk, make your own by mixing 1 teaspoon white vinegar or lemon juice with 1/2 cup milk. Stir and let sit for 5 minutes.
Cake: Here is my recipe for Red Velvet Layer Cake.
Mini cupcakes: For around 36 mini cupcakes, line mini cupcake pans with liners or spray with nonstick spray. Prepare cupcakes and frosting as directed. Bake mini cupcakes for 12-13 minutes or until a toothpick inserted in the center comes out clean.
Why so many room temperature ingredients? Here is all you need to know!
Did you make a recipe?
Tag @sallysbakeblog on Instagram and hashtag it #sallysbakingaddiction.
Another classic: try my Chocolate Cupcakes with Vanilla Frosting
357 Comments
Hi Sally,
Thanks for the recipe! I just tried baking the cupcakes and have yet to taste them, but the batter I ended up with was slightly soupy (although still spoon-able into liners.) When I baked them, they also peaked – is this because I overmixed the batter? I felt like I followed the recipe completely, but maybe my stand mixer was on too high a speed? Please help!
Thank you 🙂
Hi Sally,
I've had great success with your recipes so far, and I'm really excited to try these out to give as gifts. However, I've run out of baking soda and I can't find them stocked on any shelf in supermarkets. I read your baking soda vs baking powder post, and I'm a little sceptical of adding so much baking powder because of the change in taste. Do you think I should just go for the additional baking powder or try something else? Please help!
Hey Sally! Ive tried several red velvet recipes and am always disappointed with the dryness of the cupcakes. I just want to make a good red velvet from scratch and your recipe looks promising.
If I use cake flour, would it be equivalent to the amount called for regular flour in the recipe, 1 1/3 C? Plus omitting the cornstarch?
I also had the same question! I have a box of cake flour from a vanilla cupcake recipe and I would like to use as much of it as I can. How would you use it instead of the AP flour and cornstarch?
Hello Sally! I just want to thank you for this recipe! My mom, uncle and churchmates loves it so much and they ask me if I can bake them again 🙂 Thanks a lot 🙂
Overjoyed to find someone who thinks the same as me about red velvet.
Made your recipe today but it didn't work at all. The cakes were fluffy and moist but at same time were heavy. They didn't rise properly and some began to sink in the middle once out of the oven. The tops were crispy and a lot of oil seemed to have soaked out the base during the cook, the cases were very greasy and there was oil in the tins;
I was not happy with the way the butter and sugar creamed – they didn't, the sugar stayed granular. There was also a lot more mix than expected, it made 21 cakes not 14. I followed the recipe to the letter so am very disappointed with the results. I'm from the UK so used the gram measurements to avoid cup differences, cannot understand the problems but need to resolve this asap as have to make 150 for my neices wedding
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Portable appliance testing (PAT) is the term used to describe the examination of electrical appliances and equipment to ensure they are safe to use. PAT testing includes visual inspection of the appliance, followed by a test with a PAT tester. All test results will be recorded in a PAT test report and a Safety Certificate will be issued. PAT testing should be done on all appliances at least once a year.
Our price for PAT testing starts from as little as £40. Please call us for more information or to get a free estimate.


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Dang scammers!
Order through our guys and be safe!
Dang scammers!
Order through our guys and be safe!
Any counterfeits in the us y'all know of?
Sent from my iPhone using Tapatalk
Fucking hate this kind of people may they burn in the bunk Lab they created I don't want them to die just 90 percent burns to there entire body and face yep that would make me ha ha ha happaaayyy
Blue pill or red one..
Man, that is a bad deal. @PAin, you are right, the only safe place is dealing with a rep you have used in the past.
Those are some really convincing fakes!
I always go to the source. Could take 3 to 4 weeks but I don't care because I never have to worry about what is going to show up. Just received TD this week. I checked items because of this thread and their fine. Of course I bought direct though... never an issue.
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Yikes. That's pretty impressive actually but also not good. Hopefully this gets put out in enough places.
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Always good to get new information as to what's out there.
They put so much work in, they probably put real shit in them too!, at least the first couple batches.
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Camping & RVs
Wilderness Travel & Land Use
- Into the Yukon Wilderness
- Leave No Trace
- Wilderness Tourism Operators
- Park Permits
- Dempster Hwy Development Permit
Conservation Area Planning
Territorial Parks
Hunting in Yukon
Fishing in Yukon
Trapping in Yukon
Hunter & Trapper Education & Resources
Wildlife Viewing
- Wildlife Viewing Program
- Wildlife Viewing Strategy
- Wildlife Viewing Events
- Viewing Tips & Etiquette
- Best Viewing Sites
- Through the Seasons
- Bird Watching
- Swan Haven
- Celebration of Swans
Yukon Species
Animal Management
Animal Health and Protection
Wilderness Management
Fish & Wildlife Planning
Climate Change
- Climate Change and Yukon
- Climate Change Action Plan
- Climate Change Adaptation
- Reducing GHG Emissions
- Climate Change & Youth
- Yukon Government Initiatives
Air & Water
Waste & Chemicals
Clean Northern Living
- Household Hazardous Waste
- Spill Reporting
- Help Stop Invasive Species
- Turn in Poachers & Polluters (TIPP)
- Warming Up Your Vehicle
- ATV Use in Yukon
- Wood Burning Tips
Animal Encounters
- Human-Wildlife Conflict
- Orphaned or Injured Wildlife
- Homeowners & Urban Wildlife
- Bear Safety
- Cougar Safety
Environment Yukon eServices
Get Involved
- Canada's Parks Day
- Volunteer Opportunities in Yukon Parks
- How You Can Help Wildlife Studies
- Environmental Awareness Fund
- Joining Boards, Councils & Committees
Public Reviews
- Pesticide Application Permit
- Spay-Neuter Program Evaluation
- Permitting System
- Developing Animal Health Act Regulations
Youth Programs
Educator Resources
- EnviroWild Resources for Educators
- Resource Guides
- Backyard Biodiversity
- BIGFOOT/littlefoot Game
- Environment Education Links
About the Department
Maps & GIS Data
Report Aquatic Invasive Species
If you think you've spotted an aquatic invader:
- Report the incident to the Fisheries Program at Environment Yukon by calling 1-800-661-0408, ext. 5721 or emailing firstname.lastname@example.com.
- If possible, take a photograph, a small sample for identification in a small, secure baggie and note the exact location.
- Prevent their spread with CHECK, DRAIN, CLEAN.
- If you find a potential invasive species on equipment after leaving a site, throw it in the garbage and not down the drain.
Reports on Aquatic Invasive Species
- Aquatic Invasive Species Survey: 2014 940 KB
- Development of a Framework for Management of Aquatic Invasive Species of Concern for Yukon: Literature Review, Risk Assessment and Recommendations 1.2 MB
- Invasive Species Survey: Didymo Algae 2014 900 KB
Additional resources
- Yukon Fishing Regulations Summary
- Yukon Invasive Species Council
- Invasive Species Council of British Columbia
- Protect Your Waters and Stop Aquatic Hitchhikers
- Alaska Department of Fish and Game
- Alaska Department of Natural Resources
- National Invasive Species Information Centre - United States Department of Agriculture
- YourYukon Article: Don't give nasty invaders a helping foot 16 KB
Fish and Wildlife, Fisheries
Environment Yukon
Government of Yukon
Box 2703 (V-5A)
Phone: 867-667-5721
Email: firstname.lastname@example.com


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AI/mathematics is a program to create new mathematics related to AI
The involved universities are Chalmers, Göteborg University, Royal Institute of Technology (KTH), Linköping University, Lund University, Stockholm University, Umeå University, and Uppsala University.
We are currently in the process of defining the first set of assistant professorships and graduate student positions to be filled. The latter call is open to all faculty at the member universities. Please consult the following document for details: WASP AI-Math Call 2018
Questions related to the AI/mathematics program within WASP should be directed to Johan Håstad, johanh at kth.se


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Replacement Car
you do not cover any costs because we will settle it with an insurance company.
If, in a collision, there has been damaged a vehicle that is necessary for business, the normal functioning of the family or, for example, travel to treatment, you can apply to an insurance company to cover the costs of hiring a replacement vehicle. The car can be of the same or lower class and is paid from the perpetrator's insurance.
The insurance company covers the costs of hiring a replacement vehicle from the perpetrator's liability insurance and is obliged to cover all losses related to the accident. The damage also includes the benefits that the injured party might have achieved if the loss had not occurred. No matter whether you are a business owner or a private individual.
Unfortunately, It has happened- the damage is done! A car damaged in an accident has to be left at the car repair shop. All this can cause nerves, anger and additional problems. The person misses the car immediately. The driver is deprived of a car for a dozen or more days which disorganizes his life. Suddenly, it turns out that it has become impossible to get to work or take children to school, which is a huge problem, especially when you live far from the office or school. The problem is even greater when you use your car as a working-tool, when you run your own business, and you need it undeniably. The loss of the car, even for few days, makes you unable to earn money, necessary for living.
This lowers the quality of the family life, prevents or hinders the performance of professional duties which goes with lower income. For some people, lack of car can be considered as a significant obstacle to continue treatment or rehabilitation, when they need to visit the doctor and their state of health prevents them from using the public transport.
These problems can be resolved only by a car rental company. If the car that you use for business, commuting to work or treatment, was damaged in a collision, which was not your fault, you can apply to a perpetrator's insurance company to cover the costs of hiring a substitutive vehicle. A replacement car will be granted every driver who applies to it.
The question is who will pay for the replacement vehicle?
If loss adjusment is from the perpetrator's liability insurance, the insurer will cover the costs of hiring, only when there is a record of this in the contract. The driver, who wants to use a replacement vehicle, hoping that the costs of hiring will be covered by the insurance company, is obliged to inform the insurer about this in written form. In the same formal letter he must specify the reasons why the car is necessary. It is significant, because Some insurance companies may cause problems with reimbursement of expenses. This involves, among other things, handling office matters, clients loss of time and nerves But some car rental companies take care of such matters themselves.
This kind of service is offered by Depart cars rental from Opole. Our company takes the responsibility for the struggle with the bureaucratic machinery. In addition, the client does not need to know all regulations. It is enough that our employees are knowledgeable about rules and mediate, together with our lawyers, between the insurer and the user of a replacement vehicle.
However, the driver should know that the insurance company has no right to force him to rent a car from the workshop, where the damaged car is being repaired. Sometimes, the workshops offer such service without having appropriate facilities, meaning that they do not have cars of good quality to offer. The driver decides to rent a vehicle from a car rental company he wants to.. But there is a rule, according to which, the replacement vehicle cannot be of a higher class than the damaged one.
There is no point in making the life comfort lower by giving up a replacement car, which you are entitled to. Depart car rental company is always ready to help our clients in any aspect of car substitution.
General Principles:
The refund of vehicle rental costs is possible only if rented car is the same or lower class. Moreover, it is important to prove that the vehicle is necessary for work and that the loss of a car will decrease the health and life condition. So before you rent a car you should write a declaration, at the insurance company office, of the followingcontent:, : "I declare that, due to damage of my vehicle used for business purposes / treatment (give details), made by your client, I am forced to rent a replacement vehicle for the time of repairs". Be sure to ask for acknowledgement that you delivered and fulfilled all documents. Summing up: we report the damage to the Insurer who makes a vehicle inspection and prepares a report usually within a few days.
Then, the service workshop judges the damage on its own on the basis of the protocol of the insurance company. Sometimes it turns out that the re-inspection of the damaged car is needed. Service workshop usually does not have all the spare parts and must order them, sometimes even from abroad. All this makes the preparation for the repair extended in time, even in several weeks, while the repair process itself takes only a few days. However, the determinant of the rental period is not the time of technological repair - so willingly interpreted by the insurance companies- but the actual time of immobility of the vehicle. It is connected with the fact that losses, which goes from the lack of car, can be felt from the moment of collision and that is why you are entitled to have replacement vehicle.
The insurance company may have a different opinion about this. It should be noted that there are many things that have influence on time needed to repair a car. In the first place, these are sluggishness and bad work organization of the insurer, for which the injured party cannot count the cost of!
Sometimes, the insurer company tries to determine the maximum rate at which you can rent a replacement vehicle. However, regardless of whether it will cost 500 zł per day in the most expensive company on the market or 100 zł per day in the competitive company (for the same car), according to the law, an insurer cannot recommend any company or force you to use the services of a particular company, as well. The establishment of a rate of replacement car rental is forbidden! The only limit is common sense and the fact that you have the right to rent a vehicle of the same or lower class, but always in the company that you choose yourselves and at the price you agree with the renter. In accordance with the law (Civil Code art. 361, 363, and 415, of the Minister of Finance of 24.03.2000. Journal of Laws of the Republic of Poland, No. 26 pos. 310 regarding third-party insurance), the insurer is required to satisfy the claims of the injured party to the extent that they do not feel any losses associated with occurrence of injury.
The victim of a collision firstly pays attention to cover the costs of repair and possible rental. He decides to leave all the matters connected with collision-related losses such as time spent on loss adjustment, phone calls, utility value of the repaired car, etc. Therefore, the responsibility of insurance companies is to cover the basic cost of renting a replacement vehicle. Remember that the law is on your side!


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Over the years we have all heard about the fight for diversity in the fashion industry. Whether it's speaking out against discriminatory casting practices or obtaining access to capital in order start a label, African-Americans are constantly struggling to get the same recognition and opportunity as their white counterparts. Despite the difficulties and hurdles, there have been a tremendous amount of noteworthy African-Americans that have made their mark in the industry and are paving the way for others. From the sketch pad to the runway, check out Part 2. of the Blacks in fashion you need to know in honor of Black History Month.
Ty Hunter
I'm sure Ty Hunter didn't foresee that he would be the personal stylist to one of the biggest superstars of all time when he started working as a window dresser for a small boutique in Houston, Texas. As fate would allow, he caught the eye of Tina Lawson and aided in creating the unfortgettable looks of Destiny's Child. He then went on to leave his fashion fingerprint on Beyoncé. Hunter is the fashion architect behind the metal glove worn in the iconic "Single Ladies" video, as well as her red carpet looks. Besides styling Mrs. Carter, he has a unisex clothing line called With Passion.
Duro Olowu
After launching his eponymous line in 2004, Duro Olowu and his highly sought after patchwork dress "Duro", quickly became a favorite amongst fashion aficionados. Since then, the Nigerian designer has been one of the pioneers behind putting African print into mainstream fashion and even carried a line in JC Penney. Olowu is known for mixing bold prints and adding a vintage flare to his designs.
Felita Harris
The luxury retail industry has never had a powerhouse quite like Felita Harris. The senior executive is responsible for the growth of the Donna Karan Collection, increasing sales across 38 countries from 17 million to 68 million. Harris has also worked with brands such as department store giants Neiman Marcus and Nordstrom.
Bethann Hardison
Bethann Hardison may not be a name you recognize, but make no mistake this former model has definitely left her mark in the fashion world. First gaining popularity in the 70's , Hardison was featured in top publications such as Vogue and Harper's Bazaar, breaking down barriers for Black models. She then created her own agency, The Bethann Management Agency and has been an advocate for the inclusion of African-American models in the industry.
Olori Swank
Olori Swank went from being a Biology, Pre-Med and Psychology graduate to being the stylist of Keyshia Cole in the blink of an eye. Having no prior experience with styling other than dressing herself, Olori has learned the ropes of the fashion industry on her own, becoming one of the top stylists in the game. Olori has worked with a number of our favorite celebs including Teyanna Taylor and Childish Gambino.
The epitome of timeless beauty, Iman and her slender frame became a muse amongst photographers and designers in the fashion industry, quickly catapulting her into supermodel status during the 70's. Iman has graced numerous magazine covers such as Vogue and is now the CEO of Iman Cosmetics, a skincare, fragrance and cosmetic collection that caters to women of color.
Carly Cushnie
One half of the successful designer duo Cushnie et Ochs, Carly Cushnie has brought a whole new level of bold femininity to the runway. Before Cushnie et Ochs, Cushnie interned with top designers such as Oscar De La Renta and Donna Karan where she mastered how to clothe the female body.The sophisticated designs of Cushnie et Ochs have been worn by Beyoncé, Jennifer Lopez and Taraji P. Henson to name a few.
You've just been Vogued by,


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A Call to Action on Data Philanthropy
by Shamina Singh
The private sector has a critical role to play in bridging the data divide.
If income inequality is the issue of our generation, information inequality is a problem for the ages.
We are in the midst of a growing data divide. The sheer abundance of data available today offers an unprecedented opportunity to transform the world for good — yet a chasm exists between those working to solve society's toughest problems and those with the know-how and assets to unlock big data's potential.
In 2014, the UN Secretary-General's Independent Expert Advisory Group on a Data Revolution for Sustainable Development described in clear terms the inequality that surrounds big data.
"New technologies are leading to an exponential increase in the volume and types of data available, creating unprecedented possibilities for informing and transforming society…. But too many people, organizations and governments are excluded [from the new world of data] because of lack of resources, knowledge, capacity or opportunity. There are huge and growing inequalities in access to data and information and in the ability to use it."
Governments, community organizations, charities and other entities committed to advancing social good but that can't harness big data for whatever reason — limited capital, lack of expertise, antiquated technology — are losing a war they may not even know they are fighting.
This situation is unfair, unjust and unacceptable. Organizations on a mission to alleviate human suffering — regardless of size and influence — should have the necessary tools and resources to access and use data to solve problems.
At the Mastercard Center for Inclusive Growth, we are committed to closing the gap through data philanthropy.
A step beyond traditional charitable giving and corporate social responsibility, data philanthropy is where companies — which have invested heavily in data and analytics in recent years — leverage their data capabilities to advance social good.
Following are several ways we engage in data philanthropy:
- Sharing data. An organization doing socially-minded work, like a university or think tank, may have the expertise to analyze data but lack powerful data sets to help them uncover unique insights. In these cases, we look to see if we can grant access to our proprietary data — in a way that fully protects consumer privacy — to assist with their research. Through our first-ever grant of data, Harvard researchers are now exploring new frontiers of inclusive growth — from the impact of tourism on emerging economies to the role of knowledge exchange between countries.
- Data knowledge. If we identify a need for better data on a particular issue, we leverage our in-house expertise to conduct an analysis and release the findings for broader use. For example, in partnership with the White House's Data Driven Justice Initiative — an effort to use data to help advance criminal justice reform — the Center was able to perform an analysis to demonstrate the impact crime has on merchant locations and local job opportunities in Baltimore.
- Leveraging expertise. It's often the case — especially with government agencies and large NGOs — that an organization has an overwhelming amount of data but lacks the time, technology and personnel to organize, analyze and use the data effectively. In these situations, the Center works with its partners to provide additional expertise and capacity. Through a unique partnership with DataKind, for example, we've helped provide data scientists to work on social impact projects in Burundi, India, Rwanda and Uganda, as well as in U.S. cities like Baltimore.
The practice of data philanthropy is nascent and needs to be nurtured. Data collaboratives and data sharing websites are proliferating but not at a pace required to meet the urgent demand. I urge colleagues at other companies to review their data assets to see how they may be leveraged for the benefit of society. If governments, non-profits, academia and the private sector can find a way to work together to fully unlock the power of data, we'll be better positioned to create sustainable, lasting solutions to society's greatest challenges.
Shamina Singh is the president of the Mastercard Center for Inclusive Growth.
Originally published on LinkedIn.


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We took our Joovy Caboose Ultralight stroller to San Diego with us recently for a family vacation and let me tell you – that stroller was worth it's weight in GOLD! Weighing in at a mere 21 lbs the Joovy Caboose is not only ultralight – this thing is a beast! (I mean that in a good way!) It carried both my boys (together weighing 65 lbs), a diaper bag, our drinks, our cooler of snacks, changes of cloths, and tons of souvenirs like it was nothing! We navigated the hills of the San Diego Zoo, and the beaches of Coronado without batting an eye!
A trip to anywhere can be a challenge with a 1, 2 and 4 year old in tow. Having the right stroller is such an important aspect to making your trip a little easier and more enjoyable for everyone. I had the chance to test out the Joovy Caboose Ultralight stroller with the Caboose Too seat. I was excited about the possibilities this stroller offered. It can convert from a double stroller with two full size seats to a sit and stand functioning stroller once they get a little older.
Welcome to
JOOVY Caboose Ultralight Graphite Stroller Review presented by Pick My Baby Care
The Joovy Caboose Ultralight Stroller features AN improved style that offers optimum skillfulness. The three-position reclining seat provides a comfortable seating arrangement for your child, where he or she will lay down once the seat is reclined. A storage basket allows you to bring on lots of gear, complete with mesh pockets on each aspect and high aspect walls to make sure your things keep safe. The linked rear brakes add security once the stroller isn't moving, and front and rear seating accommodate your needs.
A large cover provides protection from harmful ultraviolet light rays with the sun visor extension, and the fordable style permits you to simply take the stroller on on any journey. Included for your convenience, the parent organizer provides ample room for you to place all of your things, such as beverages or MP3 players.
I received Joovy Caboose Too Ultralight Stroller in exchange for this post. All opinions are my own. Affiliate links are used below.
|Joovy Caboose Ultralight Blue Standard Double Seat Stroller - Hardly Used
|$49.00no bids
+ shipping extra
1 Day Left
|Joovy Caboose Ultralight Double Stroller (2011) Gently Used Great Condition
|$56.00 after 2 bids
+ $20.00 shipping
2 Days Left


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This page is under construction, it is still missing links and images.
Love'm or hate'm, they are a perennial favorite. 10
years ago, they were, at once, both popular—Martha Stewart had
emerged from prison wearing one, and at the same time, fashion
pundits were claiming the idea was "dead".
With these guide to basic poncho's, you can learn the basic shapes and how those shapes work.
Most are of the templates are easy..the
final design, is the result of pairing a basic template with specific
yarns, and stitch patterns, at a specific gauge.
And given my opinion as a basis, I tend to fined all asymmetrical patterns unattractive.
If your opinions (the only ones that count!) differ, you might find some of you disagree with my advantages and disadvantage tags.
I have other opinions about
clothes, but most of them are not big factors in poncho's.
1—Folded Rectangles
2—2 piece Rectangular
3—Folded Rectangle, seamless
4—Rhombus (knit in the round
5—Knit in the round, almost square
6—Rondel Knit in round,
7—Folded Triangle
8-- 2 Piece notched square.
In many cases, there is more than one way to knit the basic shape. And in every case, there are many options available to the knitter/designer to customize the shape.
1—The Folded Rectangle.
Advantages ------Very Easy, Can be worn several ways.
Easy to customize. The fold (and seam) are most often worn on shoulder, (as in view 1) but the fold can be worn center front, and the seam center back.
Disadvantages –Asymmetrical—and
can stretch out of shape. The knitting can stretch along the fold
line, -significantly more than on the seamed edge.
See this page for an example to a buttoned side shoulder (rather than seamed edge)
It is 'finished' by folding it
in half, and sewing 1 side seam, leaving a 10 or so inch gap at
folded edge, which creates a neck opening.
Back to list (link needed)
2--2 Piece Rectangle Poncho
External links
See this page for an example with lace edging (and seam to other side)
Back to LIST (link needed)
3- Rectangular Poncho (this style is know as a serape, and as a tabard. Serapes tend to be oversized, with a thick fabric and worn loose.
Tabards tend to be lighter, and closer
fitting. Tabard frequently are belted, or have side
This is a great poncho. It's easy, and it's symmetrical.
It can have a boat neck or V neck. If it is made
with open front and closed back, it is known as ruana.
Back to list
External links to images
See this page for a sample with a large center front (and back) panel between the paired increases)
See this page for an example with an cowl/turtle neck
5 The Knit-in-the-Round Square Poncho.
Another favorite style of mine.
Using YO's for the increases, will make
it flatter.
Back to List
6- The Knit-in-the-Round
Round Poncho
A major difference is, the 8 increases every other row ,that are randomly spaced, or that are done in 8 sets of pairs, (16 increases in a single round) Then the increase are worked every 4th round.
As illustrated, the increases are spaced further apart( EVERY 4th round.) with 16 increases, worked in 8 sets of pairs, to create 8 spokes or segment design.
The round
poncho looks best when knit short (elbow length) and its especially
suitable for lace. When worked in a lace pattern, or with YO's as the
increases, it tends to be flatter. Other wise the circle shape can be
slightly cupped.
Back to List
Back to List
This style is very common in crochet ponchos, especially the "granny square" style poncho. It is suitable for knitting, and can be knit several ways;
(1) as a shaped rectangle with a detent center on one of the long sides, (2) as 2 shaped squares with 2 sewn side seam
OR and especially nice, (3) as entralac—with the woven squares, vs. the common crocheted granny squares.
Back to LIST (needs link)
Links to original posts


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World of Beer Coming to Chicago – The Top 5 Reasons Why We Couldn't Be More Excited
World of Beer is headed to the Loop! The craft beer restaurant, whose menu boasts more than 550 beers from around the world, will occupy the ground floor of 15-19 S. Wabash Ave. According to Crain's Chicago Business, the popular Florida-based chain is planning to expand to several new locations in Chicago, including the Wabash location, South Michigan Avenue and the West Loop.
Here are a few reasons why we couldn't be happier that World of Beer is coming to Chicago.
1: Location, Location, Location – Wabash Ave. is the perfect location for the new World of Beer. Steps from Millennium Park and near several downtown office buildings, it's a great location for both tourists and Loop workers alike.
2: Loyalty Club – There are few places you can actually get rewarded for drinking beer. World of Beer's loyalty club perks go far beyond an email on your birthday. We aren't quite sure what is planned for the new locations, but it is typical for World of Beer loyalty members to be invited to members-only brewery tours, 25% off all bottles on Tuesdays, and the 50 and 100 clubs which rewards members for trying new beers.
3: Knowledge is Power – If you are a beer connoisseur World of Beer is a given. However, if the "world of beer" is new to you, that is okay too. World of Beer is known for hiring people who are extremely passionate about beer and can open your eyes to the many different options out there.
4: Beer and Food Parings – World of Beer's menu contains great tavern food, but what we love about the menu is that each food item is carefully crafted to pair with one of the tavern's many beers.
5: Beer – Chicagoans love beer. Whether you are trying to cool off in the summer or warm up in the winter, it is a great for every occasion. Cheers!
(Photo: World of Beer)


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Lomani Island Resort Package
5 NIGHTS – Deluxe Suite – HM – includes breakfast & laundry + honeymoon benefits
FROM $1122.00 per person
Includes full American breakfast and laundry service daily and guests are greeted with a shell lei and fresh green coconut on arrival. Compliment facilities: Free use of kayaks, glass-bottomed kayaks, stand up paddle boards, windsurfers, bicycle, snorkeling equipment, gym, 35 metre freshwater swimming pool and Compliment tours and activities: Outer reef snorkeling trip (daily), Dolphin Safari tour (once a week), Guided Village tour (once a week), Guided island tour, handline fishing trip, coconut husking demonstration, kava ceremony, sulu-tying lesson, basket weaving lesson and Manager's Cocktail party (wednesday). For a minimum stays of 5 nights will also receive two 30 minutes tropical massages per room. For a minimum stays of 7 nights will also receive a three course Sunset Dinner for two by the beach per room. Honeymooners will also receive 2 Lomani Sulus, a fruit basket and a bottle of sparkling wine upon arrival.
*Conditions apply.
Prices are per person, based on twin share and in AU Dollars. See terms and conditions below.
Travel restrictions and conditions may apply, please ask us for further details. Prices are correct as at 01 January 2017 and are subject to change without notice. Package is on sale until 15 Dec 2017 unless otherwise stated or sold out prior. Prices are subject to availability. Seasonal surcharges and blackout dates may apply depending on date of travel. Advertised price includes any bonus nights. Minimum/maximum stay restrictions may apply. Images may not be representative of this offer.
An exclusive island-resort with just 12 luxurious suites, situated on the tranquil Mamanuca Islands. Easily reached from Fiji's International airport, Lomani Island Resort offers guests the quintessential island holiday – turquoise waters, pure white beaches, and that world-famous Fijian hospitality. The suites are set amidst lush, tropical gardens, featuring four-poster beds, modern decor, and spectacular ocean views. The Lomani Spa offers guest the chance to relax and indulge in any number of natural therapies, or an invigorating massage from our trained masseurs. Perfect for a romantic holiday in paradise, the Lomani Island Resort can also arrange discreet wedding services, in a picture postcard setting.


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Every time we say goodbye
You'll find that you can walk around with a broken heart and a lump in your throat, and still appreciate how gorgeous the city lights are, how good a warm breeze in the winter feels. You can ache for a familiar place but never want to leave the disarray that has gripped you because it's become a part of you.
The one with all the glitter and snow.
Even though we're all so different, and will never see each other again, for a moment, we're all in something together. And I think that's beautiful.
If Only In My Dreams
Well, readers, it's already been another month, and it is officially holiday season in New York. We've all seen it in movies, read about it in books, heard about it in songs....but to live it, that's another experience altogether.
The One With All The Magic
To put it as eloquently and authentically as Tolstoy did: I have woken up. I have awoken from a pleasant dream to a terrifying and exhilarating new reality that has whisked the clouds from my mind and made me feel...alive. Truly alive, in a way I have never felt before.
Watch Your Blues Turn Gold
I keep waiting for a crippling reality check, some sign to tell me this was a mistake...things couldn't possibly be going so well, could they? Didn't everyone say this city was "tough" and we were "crazy" for wanting to live here? As it turns out, when you make the decision to ignore negativity and just follow your gut...it takes you exactly where you should be. And so begins my love letter to you, New York.
No Sleep Till Brooklyn
The journey was long, achy, and at times smelly. But as I sit here typing on top of a box in our little kitchen, city humming outside, Marshall snoring in the dog-width hallway while my husband installs our IKEA table, I can say it was 100% worth the 3 day drive and 9 state lines we crossed.
Change of a Dress
Nothing will test the strength of a brand new marriage quite like apartment hunting in a city like New York. It will test your relationship, it will test the strength of your very soul, and most urgently, it will test the strength of your bladder and/or colon.
New York State (of mind)
My designer clothes are at least 3 seasons out of style, dug out of a thrift store bin, and covered in dog hair. And life could not be more grand.


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Endangered Languages at the Queens Museum
ELA is collaborating with the Queens Museum, at the center of one of the most linguistically diverse places on earth, on two exhibits and a series of public events. This Saturday June 11, from 2 to 4 pm, "Languages Lost and Found: A Roundtable" will feature writers, translators, linguists and practitioners discussing language endangerment, revitalization and multilingualism in both a local (New York) and global context.
While you're there, check out The Garden of Forked Tongues, a giant mural created by artist Mariam Ghani based on ELA data, in which each of the 59 polygons on the wall represents an endangered language spoken in Queens. Just a gallery over is Mother Tongues, a series of portraits of endangered language speakers by Yuri Marder.
On May 29, ELA hosted its day-long open recording session at the museum, recoriding interviews in Hokkien, Cantonese, Kichwa, Tibetan, Nepali, Mustangi, Tamang, Tashelhiyt, and Southern Zaza, not to mention Spanish and English (about language issues). We talked to devout Buddhists, political refugees, visitors from Malaysia, and a career translator for the NY state supreme court, among others.
Hawaiian and Quechua Classes at ELA!
A new introductory Hawaiian class, starting this Thursday night, June 9 and continuing every Thursday night in June from 6:30 pm to 8:30 pm!
ʻO ke alelo ka hoeuli. The tongue is the steering paddle of the words uttered by the mouth. In celebration of Hōkūleʻa's World Wide Voyage named "Mālama Honua," Ka Leo Nūioka and launching its new introductory Hawaiian language course, taught by Kainoa Embernate — and ELA is proud to be hosting it.
Hawaiian, the indigenous language of Hawaiʻi, is linked historically to languages across the Pacific and the Indian Ocean, from Madagascar to Easter Island. The language is actively being revived by thousands of speakers.
Learn more and sign up HERE.
ELA frequently helps organize and host inexpensive classes in languages that are rarely, if ever, taught. All classes are taught by native speakers now living in New York and are aimed at beginners. Students typically include both members of the community seeking to revitalize the language and others who are simply interested in learning a fascinating language.
We are also currently hosting Peruvian Quechua classes on Thursday evenings, continuing through June — more info here. Past classes have featured Breton, a Celtic language of northwest France; K'iche', a Mayan language of Guatemala, led by Leobardo Ajtzalam; Kichwa (Ecuadorian Quechua), led by Atik Paway; and Nahuatl, an Uto-Aztecan language of Mexico.
"Unheard Of!" Returns With New Songs from Indigenous Taiwan
In this 8th installment of the Unheard Of! series, ELA continues to promote poetry, song and story-telling in endangered languages from around the world. Tsou, an indigenous language of Taiwan, has less than 2,000 living speakers but is well-known for its ceremonial choral songs. Baitz (Paicu) Niahosa is one of the few Tsou singers writing new music in the language. Applying her classical training to ancient vocal traditions, she creates a totally new kind of Tsou music in the Bel Canto style.
Advance tickets (only $10) are here — some tickets will also be available at the door for $15.
Unheard Of! is an ongoing series presented by ELA highlighting the linguistic and cultural diversity of New York City.
Volunteer at ELA This Summer!
Join us this summer at our office in the heart of NYC. The short online application is due on February 26 at 5 pm EST. Apply and help us spread the word!
What's it like to volunteer at ELA?
We're small, friendly, flexible, and driven. We match people with projects based on their skills, interests, and languages.
Everything we do is tied to our mission to document and support endangered languages, and you'll learn a lot about languages while you're here. There's also all the vital day-to-day work of running a non-profit: fundraising, marketing, event planning, and more.
We have a limited number of volunteer positions over the summer, but you can get involved year-round too. Email email@example.com with any questions.
2015 at ELA
In January, we opened "Mother Tongues" at the City Lore gallery, the first-ever exhibit dedicated to the languages of New York City. In the same month, PBS premiered the documentary Language Matters with Bob Holman, produced in conjunction with ELA and screened nationwide to critical acclaim. Throughout February and March, ELA presented events featuring Garifuna arumahani, a traditional, now endangered song genre; Yiddish folk music; and the languages of the Caucasus. April marked the beginning of our three-year project, funded by the National Science Foundation, to build Kratylos, a new tool which aims to revolutionize language research. May brought an amazing Breton-Garifuna musical collaboration and our All You Can Speak Language Buffet at Ideas City, and in June we started classes in K'iche', an indigenous language of Guatemala.
In July and August, we continued our documentary work on Ikota and Gurung; in September and October, our Mixtec literacy workshops continued in collaboration with the East Harlem Neighborhood Network; in November, our Jewish Languages of Brooklyn fieldtrip, our first language and culture tour, drew a big crowd. In December, we started making plans for a public, digital archive devoted to the endangered languages and cultures of New York. Two things we're particularly excited about are Kichwa (Ecuadorean Quechua) classes set to begin next week in our office, and programming we're planning with the Queens Museum for May 2016. Stay tuned!
To learn more about everything ELA is working on, dig deeper into our website, which we're constantly updating, and visit our Youtube channel, with over 200 videos of languages you will hear nowhere else. Keep up with us on Facebook!
Jewish Languages of Brooklyn: A Fieldtrip
The fieldtrip was a huge success! Some 30 people of many ages and backgrounds came along for Juhuri dancing, singing in Judeo-Arabic, out-of-this-world baklava, and even a look at an extraordinary collection of antiquarian books in lesser-known Jewish languages. We even got a write-up (in Yiddish) in the Yiddish Forward!
This is a small group tour and tickets are very limited. Reserve yours at http://jewishlanguages.bpt.me.
Brooklyn is a global center for vanishing Jewish linguistic diversity.
On Sunday afternoon November 15, from 2 to 5:30 pm, this first-ever Endangered Language Alliance fieldtrip will explore one of the most culturally and linguistically diverse Jewish places in the world, a side of Jewish New York that most people never see.
We'll visit the heart of the tight-knit Syrian Jewish community; learn about a unique Jewish dance tradition from Azerbaijan; hear the singing of a cantor who carries on classical Judeo-Arabic musical traditions; and sample delicacies at a famous Syrian Jewish bakery. As a special additional side trip, we'll be guided by a self-taught bibliophile through his unique treasure trove of Jewish books, with a focus on deep Jewish diversity. In the process we'll hear examples of Jewish languages from Morocco, Tunisia, Syria, the Caucasus, and elsewhere.
Today, with few exceptions, the remaining longstanding Jewish languages are severely endangered. The goal of the Jewish Languages Project, run by the non-profit Endangered Language Alliance, is to document and celebrate those languages. This fieldtrip, a pilot project, helps supports that work.
The fieldtrip will involve some walking and standing. We'll visit several locations in South Brooklyn within walking distance of each other, maximum 15 minutes between stops. For those interested, the special side trip will involve a 10 minute ride by public bus.
We'll meet at the cafe at the entrance to the Sephardic Community Center at 1901 Ocean Parkway. The nearest subway stop is the F train stop at Kings Highway, about 10 minutes away on foot, or the Q train stop at Avenue U, about 15 minutes away. Allow an hour of travel time from Midtown Manhattan.
Bering and Khonsay at the Margaret Mead Film Festival
ELA co-presents two fantastic films this year at the Margaret Mead Film Festival at the American Museum of Natural History. Catch them both this Saturday!
Khonsay: Poem of Many Tongues
2015 | 15 minutes | U.S.A.
Director in Attendance
Both a celebration of the world's languages and a call to action to preserve global linguistic diversity, Khonsay is a unique document: a motion poem written in 50 endangered languages, from Yiddish to Nuer (South Sudan) and Adnyamathanha (Australia). Compiled by the poet and activist Bob Holman, who calls it "a cento in film," the work is tour de force of poetic styles and cinematic techniques, and its effect is at once delightful, melancholic, and mesmerizing.
Bering. Balance and Resistance (Bering. Equilibrio y Resistencia)
2013 | 84 minutes | Mexico, U.S.A.
New York Premiere
Straddling the International Date Line, the fabled Bering Strait, and the border between the United States and Russia are the Little and Big Diomede Islands. These remote outposts are home to a small Inuit community that has traversed these borders for years, for trade, hunting, and festivals. In Bering. Balance and Resistance, Lourdes Grobet, one of Mexico's most renowned photographers, takes a lyrical approach to the subject matter, closely following the day-to-day lives of the residents of Little Diomede (U.S.A.) as they balance a modern lifestyle with the preservation of ancient customs and language. Slow-moving, wide-angle cinematography makes for an immersive viewing experience of the punishing Arc
ELA at the Jane Jacobs Forum this Thursday (Oct 22)
Jane Jacobs Forum: Sensing the City
This session is free and open to the public, but registration is required.
Reception at 5:30PM / Program at 7:00PM
Jane Jacobs' rallying cry that healthy cities must have "eyes on the street" has long served as a central idea of what it means to experience the city—to see and be seen, to feel safe and secure, to feel a sense of belonging in a community. But sight is not our only way to understand and experience the city. There are five senses New Yorkers can take to the street. This year's Jane Jacobs Forum showcases new, innovative ideas of how we see, hear, touch, smell, and taste to be a part of our city.
SMELL: The SoHo Memory Project (Yukie Ohta, Founder/Director)
FEEL: The Tactile City (Teddy Koffman, Instructor, Irwin S. Chanin School of Architecture, The Cooper Union)
SEE: Float (Sascha Mombartz, Founder)
TASTE: Museum of Food and Drink (Emma Boast, Program Director)
HEAR: Endangered Language Alliance (Daniel Kaufman, Co-Director)
Moderated by Mary Rowe (Executive Vice President, MAS)
Two Streams Fed by Rhythm: The Surprising Confluence of Breton and Garifuna Sounds Debuts in May
At the edge of the same ocean, two cultural worlds have thrived despite hardship. Their languages are unique and face extinction. Their music booms with joyful rhythm and is all about sparking the dance. Sometimes salty, sometimes moving, songs are often danced. As feet pound in both communities, you'll hear a voice call out, greeted with voice ringing out in response.
What are these two cultures? You'll never guess: The Bretons in Northwestern France and the Garifuna of Central America. Now these unexpectedly harmonious sounds and beats come together in collaboration as part of Breizh Amerika, a multimedia cross-cultural initiative to celebrate the beauty of Brittany, its music, food, lifeways, and language. The collaboration will debut on May 14 at New York's Meridian 23 (7:30 PM start; meridian23.com). The musicians will also spend time in the studio, perfecting and documenting their collaboration.
The connections between the Bretons and the Garifuna, a group that traces its origins back to shipwrecked Africans who intermarried with indigenous Arawak, felt implausible to organizer Charles Kergaravat–until he heard Brooklyn-based Garifuna drummer James Lovell and his Garifuna Drum Band. "Percussionists often have an easier time leaping into collaboration with singers," explains Kergaravat. "So when I heard about James, I decided we should meet. We chatted for a few minutes, and James insisted that we were all just crazy enough to pull this off."
Lovell and his band will join two sought-after Breton singers of Kan Ha Diskan, the call and response-based form that ignites the dancefloor at Breton parties. Rhythmic and cheeky, the singing style has a corollary in Garifuna music, as songs are often improvised to fit the occasion, shifting and growing to incorporate new tales–and to keep people dancing.
The Breton-Garifuna will explore these connections in more depth, then present their discoveries in New York and across the US this May. It's part of a larger effort to highlight Brittany's distinct culture, cuisine, and language, and to place Breton lifeways in a world-wide effort to enliven and maintain endangered languages and the worlds they encompass. Both Bretons and Garifuna face an uphill battle to preserve their tongues–both have barely over 200,000 speakers left–but both have strong musical traditions that have helped raise the banner for greater awareness.
"Even when singing, much of Breton music is all about the rhythm," Kergaravat notes. "There is a much greater overlap in Garifuna and Breton experiences, and in the sounds we favor, than meets the eye."
The Breizh Amerika Collective tours through New York City, Rochester, Cleveland, Chicago, Santa Fe, and Albuquerque for Fête de la Bretagne, an international celebration of Breton music, food, and language. In an unprecedented level of participation, these US cities will be joining a global network, from Shanghai to Sao Paulo, of hosts to celebrations of Breton culture.
Follow The Breizh Amerika Collection on Twitter: @BreizhAmerika
Support this unique collaborative project here!
Endangered Languages Project website redesigned to be more accessible and engaging
Brentwood Bay, B.C. – The Endangered Languages Project is launching a new website today (www.endangeredlanguages.com) to improve access to information and resources on endangered languages for a global audience of Indigenous language speakers and language experts.
"Our goal is to create a collaborative online space where the world's languages have a voice and where people of all audiences can share language information, resources and connect with one another," says Tracey Herbert, Executive Director of the First Peoples' Cultural Council and Chair of the Endangered Languages Project Governance Council.
New website features let users browse resources by category, tag (or topic), format and most viewed. Categories include language education, language revitalization, language and technology, and more. In addition, a new process for submitting materials will make it easier to find a wide range of resources concerning the world's endangered languages.
"In response to user feedback, our team of global language experts and designers has developed an improved website that will be a more interactive and accessible resource," says Verónica Grondona, Catalogue of Endangered Languages Manager at Eastern Michigan University. "For example, the website will be available in five additional languages later this spring, making it available to more user communities."
The Endangered Languages Project is a collaborative initiative designed to facilitate the documentation and revitalization of at-risk languages around the world. Languages included on the website and the information displayed about them are provided by the Catalogue of Endangered Languages (ELCat), a project by the University of Hawai'i at Mānoa and Eastern Michigan University, which aims to have the most up-to-date and accurate data about the endangered languages of the world. Language communities and speakers can play an active role in putting their languages online by submitting resources in the form of text, audio, links, images or video files.
The Endangered Languages Project website URL: www.endangeredlanguages.com.
The Endangered Languages Project is supported by Governance Council volunteers, The National Science Foundation, The Luce Foundation and Google.org.
The four founding partners who oversaw the website's development and launch include:
· The First Peoples' Cultural Council: www.fpcc.ca
· Eastern Michigan University: www.emich.edu/english/programs/linguistics/elp-elcat.php
· University of Hawai'i at Mānoa linguistics department: www.ling.hawaii.edu
· Google.org, Google's philanthropic arm: www.google.org


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Objectives: The present research has been carried out to investigate the effectiveness of group mindfulness-based cognitive therapy on modification of body image and quality of life in women with breast cancer undergoing mastectomy.
Materials: This research is a quasi-experimental study (pretest-posttest with control). In this clinical trial, 50 voluntary patients who had undergone mastectomy in 2013 and 2014 were screened among the patients admitted to Omid Hospital and Reza Treatment Center in Mashhad and were randomly divided into experimental group (n=25) and control group (n=25). First, both groups were pretested. Then, the experimental group received group mindfulness-based cognitive therapy treatments during eight sessions of 120 minutes (one session per week), but the control group received no treatment. At the end of treatment, both groups received the post-test. Data collection tools included standard questionnaires EROTIC QLQ-Br 23.V.3 and the quality of life questionnaire (SF-36). The data were analyzed based on covariance analysis using SPSS software (Version 20).
Results: Comparison of the mean scores of quality of life and body image showed a significant difference between the control and experimental groups after receiving the treatment (P<0.01). In other words, mindfulness-based cognitive therapy was effective on the quality of life and modification of body image in patients.
Discussion: Group mindfulness-based cognitive therapy can be considered as an effective and efficient approach to the quality of life and modification of body image in women with breast cancer who have undergone mastectomy.


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Delaware Press Association
The Delaware Press Association is a premier organization of communications professionals in Delaware that offers events, contests, networking opportunities and social gatherings to members. First Ascent Design was contacted to design and build a website to act as a community hub for the members, attract an audience of new-media communicators, and provide members-only content.
To meet these needs, we mixed a simple user-friendly layout design with large format photography to give the site a welcoming and modern feel. The site offers events, press releases, blog articles, social media integration, and a "featured member" spotlight to encourage community. A custom-built membership backend supports a member directory and member's only content.
Ready to begin your journey?
First Ascent Design has all the tools necessary to make your brand successful.


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The Qualities All Creative People Share
June 1st, 2015
Call Us: 0800 000 0000
UK Internet Marketing Training - London, Manchester & Portsmouth
September 19, 2013
As you know by now, social media is an important part of your marketing strategy. Unfortunately, too many business owners make mistakes that cost them potential customers and, in some cases, their reputations. For a successful marketing campaign, avoid making the following blunders.
1. Ignoring Social Media Altogether
Don't make the mistake of thinking that social media is silly or unimportant. The payoff of social media marketing can be huge. Its benefits include brand recognition, word of mouth marketing, reputation management, and improved relationships with your customers (which means more information about your customers).
2. Talking About Yourself Constantly
In business relationships, just as in personal ones, talking about yourself all the time never works. Think of social media as a conversation, not a selling tool. Social media affords you the opportunity to engage your customers, listen to them, and help them out by posting relevant content. A little promotion is one thing – especially when you have a notable event going on, like a contest – but this isn't the place for nonstop advertisements, and they won't be well-received.
3. Talking About Stuff You Shouldn't Talk About At All
Keeping your posts personable is a good idea – how your day went, what you're up to, what's new with your business – but don't confuse personable with personal. For example, you should never say anything negative about customers, no matter how difficult the woman you dealt with the day before was. Never complain about them or about interactions you had with them, and never mention anything that's overly personal.
4. Trying To Maintain A Presence On Every Platform
The more websites you are active on, the more time and money they require. A poll on your website is one tool that can help you discern which social networks are most used by your customers; then you can start there. Facebook, Twitter, and Instagram are all good starting points. Pinterest is gaining on them, too, and provides unique marketing opportunities. Choose one or two that align with your goals as a business and focus on them.
5. Expecting It To Be Free
Simply having a Facebook page is not social media marketing. A successful marketing strategy involves engagement and dialogue and humanising your brand; it also involves planning and dedicated resources. "If you're gonna go, go all out" is particularly applicable to social media marketing. Understand what your goals are, how you will accomplish them, and who will be in charge of the project. By the way, this is where some younger talent on staff can really benefit your business. Older employees can certainly have great computer skills, but the younger ones were practically born understanding social media. Take advantage of their knowledge.
Sean McPheat
Managing Director
The Internet Marketing Academy
(Image: freedigitalphotos.net/Stuart Miles)
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Talking of Halloween we are about to launch a favourite of our customers in our Gallery for many a year onto our website. He is Richard Pell and works in the media of Steel and he produces some scary stuff like Witches on broomsticks, Bats, Scaredy Cats, Skull & Crossbones and spiky angry fish. You will be able to view his full collection soon.
Looks like this cat has seen the witch above.
THE COLOURED STEEL RANGEThe original Creative Metalwork range is hand crafted from mild steel. A mixture of different heat treatments and skilful grinding creates its unique surface pattern. Each piece is then lacquered to prevent rusting in an indoor environment.


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Why join the Ignite Your Writing through Research adult workshop on Wednesday, December 6th from 5:30PM – 7:30 PM at the National Archives in Washington, DC?
- It's FREE!!!
- Take a break from the stress of the holiday season and do something for yourself.
- Learn a new skill to help you with your hobby or burgeoning career.
- Move forward on that project you promised yourself you would finish.
- Spend time with people who enjoy the same things you do.
- Explore more of what the National Archives has to offer.
- I'll be there! – (okay this one could go either way)
We will discuss why research is essential for all types of writing and engage in a hands-on activity designed to help you pull information from different record types and keep it organized for your writing project.
Space is limited, so sign up today!


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In a global landscape fraught with financial crime and well-funded terrorist operations, combating money laundering has rightly become a priority for the banking community. Tightening regulatory requirements have made nine- and 10-figure penalties familiar occurrences. Global banks everywhere are being put on notice: stamp out money laundering or face the consequences.
But as regulators have pursued stricter enforcement, banks have struggled to comply with the mounting regulatory burden. An international bank may have to navigate many moving goalposts and overlapping rules, doubly so if it works in markets where multiple jurisdictions apply. The more correspondent relationships a bank has, the more complex the regulatory oversight becomes and the harder it is to ensure effective and rigid internal controls. Moreover, maintaining thousands of correspondent banking relationships around the world comes at a high price, whether or not these entities pose significant risks. In such an environment, banks that maintain correspondent relationships in higher-risk environments find themselves caught between the rock of exorbitant penalties and the hard place of escalating compliance costs.
Some banks have made the rational decision to sever a number of correspondent banking relationships in order to reduce both risks and costs. As a result, they have pulled out of certain markets and implemented systemic, wholesale closures of correspondent bank accounts. De-risking, as this process is known, has disproportionately affected small countries with developing financial regulatory environments, especially in Africa, Latin America and the Caribbean.
The unfortunate irony of de-risking is that it hurts the banks and countries that most depend on access to the international banking system. When small regional banks lose their correspondent relationships, they lose access to foreign currency, a vital resource for customers operating in a global economy. Without the ability to provide clearing, handle remittances or offer other services involving cross-border transactions, these banks become dependent on other sources of liquid capital that bring even greater risk.
In addition to stifling banks and discouraging potential customers, de-risking has driven capital into riskier environments. Legitimate customers who have been de-risked must still address their financing needs. Many turn to so-called shadow banking channels that may be unmonitored or nonregulated and where legitimate monies may freely mix with illicit funds before making their way back into the core financial system. De-risking isolates entire regions from the global banking system, while only pushing illicit activity further underground. It renders efforts to contain money laundering worse than ineffectual — and actually harmful.
Not only can de-risking have a significant impact on banks, but it can also impact their end customers. If countries are cut off from the global financial community, the consequences to individuals can range from inconvenient to life-threatening. It can inhibit families from sending important funds to relatives abroad, obstruct the purchase of life-sustaining goods and block payments for education or medical care.
When it comes to solving de-risking, there is no single panacea in a system as complex as the global banking network. For its part, the global banking community must do what it can to reverse the crisis, whether by providing timely communication about compliance gaps or by working together with respondents to increase transparency levels.
Regional banks that know they are in perceived high-risk areas can improve their levels of transparency by collaborating through utilities and other shared repositories of customer data to expand anti-fraud protections while cutting compliance costs. When faced with the imminent prospect or aftermath of being de-risked, a bank can make improvements to its transparency regime that will make it an attractive respondent to mid-tier correspondent banks.
Adopting the Financial Action Task Force's recommended standard for originator and beneficiary details in payments messages (FATF Recommendation 16), for instance, can help remedy the widespread deficiency in transparent payments message information. By including full originator and beneficiary information for every cross-border wire transfer, banks can increase transparency and put their correspondent banks at ease.
The industry needs to respond with a proactive solution to the crisis it faces. As banks around the world pull out of developing countries and sever thousands of correspondent relationships in the name of de-risking, we must ask where we can strike a healthy balance between the safety measures that keep illicit funds out of our financial networks and the health of the banking systems of entire regions.
Paul Taylor works for Swift (the Society for Worldwide Interbank Financial Telecommunication) as the global head of business development and head of financial crime compliance initiatives in the Americas, United Kingdom, Ireland and the Nordics.


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GREENIES(R) DentalDog Treat – Petite GREENIES(R) Dental Chews have been improved to be a total oral health solution. GREENIES(R) dental chews now contain added natural sources of antioxidants to promote a healthy immune system, as well as natural sources of dietary fiber for digestibility. Improve your dog's dental disposition! Tasty GREENIES(R) treats will remove plaque and tartar and reduce bad breath all while supplementing nutritional intake. Specifically engineered to be the right size and texture for your dog's mouth, these delicious treats come in five different sizes. Easy on the gums and fun to eat, this healthy, beneficial snack is loved by dogs the world over. When fed daily, GREENIES(R) Dental Chews are clinically proven to deliver four solutions for complete oral health care. Features: Made in the USA Natural with vitamins, minerals, and chlorophyl Great taste dogs love! Meets strict VOHC guidelines for controlling plaque and tartar Reduces plaque, tartar, and bad breath 96% digestible Chew size tailored to the size of your dog Soft texture with rounded edges for oral comfort Rich in antioxidants Recommended for dogs over 6 months and 5 lb. Item Specifications: Package Size and Count: 12 oz. – 20 Count 18 oz. – 30 Count 27 oz. – 45 Count 36 oz. – 60 Count Size: 3 1/2″ long Recommended For: Dogs 15-25 lb. Ingredients: Wheat flour, glycerin, wheat protein isolate, gelatin, water, rice flour, oat fiber, pea protein, potato protein, lecithin, natural poultry flavor, apple pomace, tomato pomace, minerals (dicalcium phosphate, calcium carbonate, potassium chloride, magnesium amino acid chelate, zinc amino acid complex, iron amino acid complex, copper amino acid complex, manganese amino acid complex, potassium iodide), ground flaxseed, choline chloride, decaffeinated green tea extract, sodium copper chlorophyllin, vitamins (dl-alpha tocopherol acetate [source of vitamin E], vitamin B12 supplement, d-calcium pantothenate [vitamin B5], niacin supplement, vitamin
- Made in the USA
- Natural with vitamins, minerals, and chlorophyl
- Great taste dogs love!
- Meets strict VOHC guidelines for controlling plaque and tartar
- Reduces plaque, tartar, and bad breath


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Los Angeles: Rapper-turned-fashion designer Kanye West has taunted animal rights organisation People for Ethical Treatment of Animals (PETA) in a new song 'Theraflu'.
The song`s lyrics, "Someone tell PETA my mink (coat) is draggin` on the floor," have upset the organisation.
PETA executives had criticised West for stepping out in a fur coat, following which he decided to create the jibe.
Dan Mathews, senior vice president of PETA, has slammed West for the jibe, but admits he still hopes the rapper will eventually renounce fur, reports contactmusic.com.
"`What`s draggin` on the floor` is Kanye`s reputation as a man with no empathy for animals or human beings. He`s a great musician but doesn`t seem to have the fashion sense to design anything more than caveman costumes," said Mathews.
"We keep hoping that one day he`ll find his heart and join evolved style icons - including Russell Simmons, Pink and Natalie Portman - who have dropped animal skins," he added.


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Cerebral Cortex Areas, Illustration
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