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The Human Immune System - By Dr. Rahim, MD
The body's ability to protect itself from disease, to regulate the conditions of its own health, and to repair and to regenerate infected or damaged cells within itself, without outside help, is a true God-given miracle. Finding out how it does so has always been the greatest challenge to science.
But using what little is known about the workings of the immune system, medical practitioners recognize that there are procedures and medicines they can employ to augment the work of the immune system, and indeed to repair it when it is damaged. They recognize too that modern life, with the increasing number of toxins in the environment, and with disease-causing bacteria and viruses mutating at an alarming rate, the immune system often needs medical support in order to do what it is genetically programmed to do. What is known is that there are at least eight specific saccarides involved in intercellular 'communication' within the body, a system of 'networking' that governs the immune system. What this means is that every cell in the body, every gland or organ, as well as the cells of the blood, are linked within the immune system through these saccarides. Everything in the body depends to some degree on these molecules, and when any of them are missing, the immune system does not function at full capacity.
You do not have to have a total understanding of the workings of your immune system to stay healthy. Your immune system is doing its job whether or not you understand it. All you need to do is to adopt the proper lifestyle to allow it to function, and to ensure that your body receives what it needs to bolster its disease prevention capabilities. you must not underestimate your body's capacity to heal it, to prevent infections, and to slow done the aging process. You cannot buy good health from the doctor; you have to build it yourself. You have to take responsibility for your own health, and for the health of those dependent on you. This is where supplements, which boost the immune system come into play. Be sure to ask your doctor or medical practitioner about these supplements.
All illnesses will respond favorably to a boost to the immune system. Conditions as diverse as diabetes, fibromyalgia, autism, asthma, heart disease, cancer, and various types hepatitis and respiratory infections, will respond positively to immuno-boosting supplements. From the complaints that arise during menopause to depression and strokes, from conditions as incapacitating as muscular dystrophy to ones as grave as a cancerous tumor, any form of help to the immune system will have a beneficial effect.
Always remember: your body is capable of combating these ailments. But is up to you to ensure that your immune system is healthy and strong enough to deal with the challenges that modern life throws at it. Staying healthy is a major challenge for everyone; taking responsibility for your own health and the health of your loved ones is of critical importance.
The immune system goes after "organic" things -- mostly alive, like germs, but also it goes after protein substances that are not alive. While a virus is NOT alive, your immune system should be able to handle any of them. Also parasites and fungus problems. You will find that traditional medicine almost completely ignores the immune system -- thinking that the only solution for a sore throat is an antibiotic.
The first rule of health would be, don't allow toxins and bugs into your body. The next step, once you have allowed that stuff to enter, is to get rid of it. The immune system is your first line of defense -- drugs are usually effective on a short-term basis, but often damage the immune system so that it is no longer available and you are all the more dependent on drugs in the future.
Both medicinal and recreational drugs can substantially lower the immune system. For example, antibiotics destroy the healthy bacteria in our stomachs which are essential for healthy digestion. Immune system depletion is also an unfortunate side-effect of some of today's modern treatments (for example in chemotherapy and radiotherapy) which can decimate immune resilience. Whilst powerful medicines might be necessary for short-term survival, the long-term view must include the healing of the body's natural defence systems.
If there is a natural product we can take instead of the drug your doctor wants to prescribe us, we should take the natural one (provided our doctor is in agreement if he or she doesn't like the idea of you taking responsibility for your own health, you are with the wrong doctor). Doctors today are very busy and tend to focus almost entirely on fast-to-prescribe drug remedies ("magic bullets") to everyday complaints. Few know very much about nutrition or alternative remedies so you might have to challenge your doctor -- not a pleasant thing to do but certainly good for your health!
Viral and bacterial infections are by far the most common causes of illness for most people. They cause things like colds, influenza, measles, mumps, malaria, AIDS and so on. The job of your immune system is to protect your body from these infections. The immune system protects you in several ways:
- It creates a barrier that prevents bacteria and viruses from entering your body.
- If a bacteria or virus does get into the body, the immune system tries to detect and eliminate it before it can make itself at home and reproduce.
- If the virus or bacteria is able to reproduce and start causing problems, your immune system is in charge of eliminating it.
- Finding cancerous (or other unwanted cells) and eliminating them.
The most obvious parts of the immune system are the barriers we can easily see. Like our skin, eyes, nose, and mouth. Skin is tough and resistant to bacteria and secretes antibacterial substances. Tears and mucus contain enzyme that breaks down the cell walls of many bacteria. Saliva is also anti-bacterial. Since the nasal passage and lungs are coated in mucus, many germs not killed immediately are trapped in the mucus and soon swallowed. Mast cells also line the nasal passages, throat, lungs and skin. Any bacteria or virus that wants to gain entry to your body must first make it past these defences.
Once inside the body, a germ deals with the immune system at a different level. The major components of the immune system are:
Antibodies (also referred to as immunoglobulins and gammaglobulins) are y-shaped proteins that respond to specific bacteria, viruses or toxins, called antigens. They are produced by white blood cells.
Antibodies can bind to toxins, disabling their chemical actions or signal that an invader needs to be removed.
Whenever you see an abbreviation like IgE in a medical document, you now know that what they are talking about is an antibody.
Antibodies come in five classes:
- Immunoglobulin A (IgA)
- Immunoglobulin D (IgD)
- Immunoglobulin E (IgE)
- Immunoglobulin G (IgG)
- Immunoglobulin M (IgM)
Bone Marrow
Produces new blood cells, both red and white. In the case of red blood cells the cells are fully formed in the marrow and then enter the bloodstream. Most white blood cells, mature elsewhere. The marrow produces all blood cells from stem cells. They are called "stem cells" because they can branch off and become many different types of cells they are precursors to different cell types. Stem cells change into actual, specific types of white blood cell
Complement System
Complement system - If germs get through the body's physical and chemical barriers into the bloodstream, a mixture of liquid proteins called complement is activated and attacks them. The complement system includes a series of proteins. While there are millions of different antibodies in your blood stream, each sensitive to a specific antigen, there are only a handful of proteins in the complement system. They float freely in your blood. Complements are manufactured in the liver. The complement proteins are activated by and work with (complement) the antibodies. They cause lysing (bruising) of cells and signal to phagocytes that a cell needs to be removed.
The spleen filters the blood looking for foreign cells. The spleen is also looking for old red blood cells in need of replacement. A person missing his/her spleen gets sick much more often than someone with a spleen. The spleen contains two main types of tissue: red tissue that disposes of worn-out blood cells, and white tissue that contains lymphoid tissue. Different parts of the spleen specialize in different kinds of immune cells. When microorganisms get carried by the blood into the red tissue, they become trapped by the immune cells known as macrophages.
The thymus lives in your chest, between your breast bone and your heart. It is responsible for producing T-cells, and is especially important in newborn babies - without a thymus a baby's immune system collapses and the baby will die. The thymus seems to be much less important in adults - for example, you can remove it and an adult will live because other parts of the immune system can handle the load. However, the thymus is important, especially to T cell maturation.
Lymph System
All the body tissues are continually bathed in a clear, watery fluid that comes form the blood called lymph fluid. The lymph system detects and removes the bacteria and waste. The lymph fluid eventually arrives at the lymph nodes, considered the body's waste treatment plants, for processing.
Lymph nodes are basically filters that trap germs and other foreign bodies. The nodes have armies of lymphocytes to deal with the germs. Lymphocytes are a type of white blood cell, which neutralizes or destroys germs. When fighting infection lymph nodes can become infected.
Lymphoid organs include the bone marrow and the thymus, as well as lymph nodes, spleen, tonsils and adenoids, the appendix, and clumps of lymphoid tissue in the small intestine known as Peyer's patches.
There are several hormones generated by components of the immune system. These hormones are known generally as lymphokines. It is also known that certain hormones in the body suppress the immune system. These are the steroids and corticosteroids (components of adrenaline).
Tymosin is a hormone that encourages lymphocyte production (a lymphocyte is a form of white blood cell). It is thought to be produced by the thymus. Interleukin are another type of hormone generated by white blood cells. Interleukins-1 is produced by macrophages after they eat a foreign cell. When it reaches the Hypothalamus, IL-1 produces fever and fatigue, killing off many types of bacteria.
Tumor Necrosis Factor (TNF) is also produced by macrophages. It is able to kill tumor cells, and to promote the creation of new blood vessels.
Interferon interferes with viruses (hence the name) and is produced by most cells in the body. Interferons, like antibodies and complements, are proteins, and their hob is to let cells signal to one another. When a cell detects interferon from other cells, it produces proteins that help prevent viral replication in the cell.
White Blood Cells
White blood cells are probably the most important part of your immune system. White blood cells are actually a large collection of different cells that work together to destroy bacteria and viruses. Here are the different types, names and classifications of white blood cells working inside your body right now:
- Leukocytes
- Lymphocyte
- Monocytes
- Granulocytes
- B-cells
- Plasma cells
- T-cells
- Helper T-cells
- Killer T-cells
- Suppressor T-cells
- Natural killer cells
- Neutrophils
- Eosinophils
- Basophils
- Phagocytes
- Macrophages
Learning all of these different names and the function of each cell type takes a bit of effort, but you can understand scientific articles a lot better once you get it all figured out! Here's a quick summary to help you get all of the different cell types organized in your brain.
All white blood cells are known officially as leukocytes. White blood cells are not like normal cells in the body -- they actually act like independent, living single-cell organisms able to move and capture things on their own. White blood cells behave very much like amoeba in their movements and are able to engulf other cells and bacteria. Many white blood cells cannot divide and reproduce on their own, but instead have a factory somewhere in the body that produces them. That factory is the bone marrow.
Granulocytes - Granulocytes make up 50% to 60% of all leukocytes. Granulocytes are themselves divided into three classes: neutrophils, eosinophils and basophils. Granulocytes get their name because they contain granules, and these granules contain different chemicals depending on the type of cell.
Lymphocyte - Lymphocytes make up 30% to 40% of all leukocytes. Lymphocytes come in two classes: B cells (those that mature in bone marrow) and T cells (those that mature in the thymus).
Monocyte - Monocytes make up 7% or so of all leukocytes. Monocytes evolve into macrophages.
All white blood cells start in bone marrow as stem cells. Stem cells are generic cells that can form into the many different types of leukocytes as they mature. For example, you can take a mouse, irradiate it to kill off its bone marrow's ability to produce new blood cells, and then inject stem cells into the mouse's blood stream. The stem cells will divide and differentiate into all different types of white blood cells. A "bone marrow transplant" is accomplished simply by injecting stem cells from a donor into the blood stream. The stem cells find their way into the marrow and make their home there.
Neutrophils are by far the most common form of white blood cells that you have in your body. Your bone marrow produces trillions of them every day and releases them into the bloodstream, but their life span is short, normally less than a day. Neutrophils squeeze through the capillary walls and into infected tissue where they kill the invaders (e.g., bacteria) and then engulf the remnants by phagocytosis
This is a never-ending task, even in healthy people: Our throat, nasal passages, and colon harbour vast numbers of bacteria. Most of these are commensals, and do us no harm. But that is because neutrophils keep them in check.
However, heavy doses of radiation, chemotherapy and many forms of stress can reduce the numbers of neutrophils so that formerly harmless bacteria begin to proliferate. The resulting opportunistic infection can be life-threatening.
Eosinophils and Basophils
Eosinophils and basophils are far less common than neutrophils. Eosinophils seem focused on parasites in the skin and the lungs, while Basophils carry histamine and therefore important (along with mast cells) to causing inflammation. From the immune system's standpoint inflammation is a good thing. It brings in more blood and it dilates capillary walls so that more immune system cells can get to the site of infection.
Macrophages are the biggest (hence the name "macro"). Monocytes are released by the bone marrow, float in the bloodstream, enter tissue and turn into macrophages. Most boundary tissue has its own devoted macrophages. For example, alveolar macrophages live in thelungs and keep the lungs clean (by ingesting foreign particles like smoke and dust) and disease free (by ingesting bacteria and microbes). Macrophages are called langerhans cells when they live in the skin. Macrophages also swim freely. One of their jobs is to clean up dead neutrophils -- macropghages clean up pus, for example, as part of the healing process.
Lymphocytes handle most of the bacterial and viral infections that we get. Lymphocytes start in the bone marrow. Those destined to become B cells develop in the marrow before entering the bloodstream. T cells start in the marrow but migrate through the bloodstream to the thymus and mature there. T cells and B cells are often found in the bloodstream but tend to concentrate in lymph tissue such as the lymph nodes, the thymus and the spleen. There is also quite a bit of lymph tissue in the digestive system. B cells and T cells have different functions.
B cells, when stimulated, mature into plasma cells -- these are the cells that produce antibodies. A specific B cell is tuned to a specific germ, and when the germ is present in the body the B cell clones itself and produces millions of antibodies designed to eliminate the germ.
T cells, on the other hand, actually bump up against cells and kill them. T cells known as Killer T cells can detect cells in your body that are harbouring viruses, and when it detects such a cell it kills it. Two other types of T cells, known as Helper and Suppressor T cells, help sensitize killer T cells and control the immune response.
Helper T Cells
are activated by Interleukin-1, produced by macrophages. Once activated, Helper T cells produce Interleukin-2, then interferon and other chemicals. These chemicals activate B cells so that they produce antibodies. The complexity and level of interaction between neutrophils, macrophages, T cells and B cells is really quite amazing.
Because white blood cells are so important to the immune system, they are used as a measure of immune system health. When you hear that someone has a "strong immune system" or a "suppressed immune system", one way it was determined was by counting different types of white blood cells in a blood sample. A normal white blood cell count is in the range of 4,000 to 11,000 cells per microliter of blood. 1.8 to 2.0 helper T-cells per suppressor T-cell is normal. A normal absolute neutrophil count (ANC) is in the range of 1,500 to 8,000 cells per microliter.
Natural Killer Cells
Natural killer cells are different from T- and B-lymphocytes in that they do not have unique receptors for a particular antigenic target. Thus, these cells provide a non-specific immune response to various pathogens. They require certain cytokines to become activated and to increase in numbers. They participate in several of the immune responses and can help antibodies kill target cells.
Platelets are formed when cytoplasmic fragments of megakaryocytes, which are very large cells in the bone marrow, pinch off into the circulation as they age. The platelet is metabolically more active than the red blood cell and has a variety of functions. Platelets play an important and not fully understood role in the formation of the blood clot by coagulating to occlude a cut blood vessel and provide a surface on which strands of fibrin form an organized clot, by contracting to pull the fibrin strands together to make the clot firm and permanent, and, perhaps most important, by providing or mediating a series of coagulation factors necessary to the formation of the clot. Platelets also store and transport several chemicals, including serotonin, epinephrine, and histamine (the importance of which in this capacity is unknown), and they phagocytose (absorb) foreign bodies, including viruses, as well.
The liquid portion of the blood, the plasma, is a complex solution containing more than 90 percent water. The water of the plasma is freely exchangeable with that of body cells and other extra cellular fluids and is available to maintain the normal state of hydration of all tissues. Water, the single largest constituent of the body, is essential to the existence of every living cell. The major solute of plasma is a heterogeneous group of proteins constituting about 7 percent of the plasma by weight. The principle difference between the plasma and the extra cellular fluid of the tissues is the high protein content of the plasma. Plasma protein exerts an osmotic effect by which water tends to move from other extra cellular fluid to the plasma. Fatty substances (lipids) are present in plasma in suspension and in solution. Other plasma constituents include salts, glucose, amino acids, vitamins, hormones, and waste products of metabolism.
Red Blood Cell
The red cell is enclosed in a thin membrane that is composed of chemically complex lipids, proteins, and carbohydrates in a highly organized structure. Extraordinary distortion of the red cell occurs in its passage through minute blood vessels, many of which have a diameter less than that of the red cell. When the deforming stress is removed, the cell springs back to its original shape. The red cell readily tolerates bending and folding, but, if appreciable stretching of the membrane occurs, the cell is damaged or destroyed. The membrane is freely permeable to water, oxygen, carbon dioxide, glucose, urea, and certain other substances, but it is impermeable to hemoglobin. Within the cell the major cation is potassium; in contrast, in plasma and extra cellular fluids the major cation is predominantly sodium. A pumping mechanism, driven by enzymes within the red cell, maintains its sodium and potassium concentrations.
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ON THE OUTSIDE LOOKING IN: Stories From an Inner City High School. Cristina Rathbone. Grove/Atlantic. $26. 387 pp.
One day, Cristina Rathbone crossed the street to avoid a group of loud, angry teen-age girls and found herself on the way to writing a book.
At least that is the explanation she gives in the prologue to On the Outside Looking In for her decision to spend a year in a New York City public high school, immersing herself in the lives of the kinds of young people she had reflexively feared and shunned.
By the time she got home that day, Rathbone, a journalist, had settled on her project, and by the start of the school year she had selected as her laboratory West Side High School, an alternative school improbably squeezed into three floors of an office building in Manhattan's garment district. As a dumping ground for students other schools don't want or can't handle, West Side seemed ideal for Rathbone's purposes. And West Side's principal, unlike other school officials, agreed to let Rathbone inside and to write about what she saw.
The real reasons for her attraction to this world, however, turn out to be considerably more complicated than being embarrassed about crossing the street. Rathbone, who grew up in London, soon explains that she was a troubled teen-ager who bounced through a series of British private schools and whose adolescent-rebel resume included early sex, hitchhiking and an extremely short career selling marijuana. Her attempts to draw parallels between her experiences growing up in London and those of the desperately poor and emotionally blighted students she meets at West Side quickly strip the book of most of its potential power.
The year-in-a-life-of-a-school/sports team/courthouse is such a common narrative form these days that only real compassion and insight could lift the concept of On the Outside Looking In beyond its conventionality. But Rathbone never quite escapes her own head to get inside the hearts of her subjects.

subset: commoncrawl


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In 2017, walking through the corridors of TVR, the national TV station of Romania, was a woman with an accent. Up on stage she went, this Scandinavian singer in a foreign land.
That singer was me.
I'm Lina - singer, songwriter and tour guide (though that's another story).
I was born in Sweden, a land of forest, mountains, fields and cold beauty. Though my heart was lost to the wilderness of another part of the world.
The music I make is diverse. There's some pop in there, there's country and there's jazz standards.
I care that the songs are a joy to sing, I care about the emotions they spark and the words I put out there.
I want to create little landscapes with music. I want to create concepts that takes you somewhere else.
Because music is storytelling and about connection.
Now, if you pay attention, you'll find little references here and there. To history and to the countries I've come to love. Because I'm a nerd and there's no way I can put that part of me away.
The Bio Part.
Lina is a singer and songwriter, a Swedish native but spends more than half the year in countries like Romania, Hungary and Poland. Her voice is usually described as original and unique, and bear traces of her heroes like Tori Amos, Jewel or Emmylou Harris.
In 2018 she was a semifinalist in Eurovision Romania, which was her second time in the competition. Her song "Trying" climbed the Beatport Trance Chart up to a respectable place 16 and her work has been mentioned by artists like Markus Schultz. She's performed at the New Media Europe Media Awards show in London, in 2016, for which she also wrote and produced the opening act.
In 2018 Lina is planning on releasing new material and continue touring in Europe.


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Kuler is a simple adobe web app that lets users create a pallete of 5 complementary colours, others can then view, download, rate and comment on these themes.
The Kuler API is a fantastic resource to gain access to these themes, so why not allow users to easily theme your flash application with a simple button click.
Here's a mini demo so you can give the gist.Watch Full Movie Online Streaming Online and Download
And of course… the source code
The API Documentation for Kuler can be found here…


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Read this tip to make your life smarter, better, faster and wiser. LifeTips is the place to go when you need to know about Video Phones and other Cellphone topics.
Can you watch a full-length movie on your video cell phone? You can, through different services that offer movies which are broken down into clips like a DVD. But the question remains: Who wants to watch full-length movies on a tiny screen, broken up into clips? There may be a future for movies delivered to the cell phone, especially if and when the screen gets bigger.
|Guru Spotlight
|Joe Wallace


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Friday, July 14, 2017
Finally Back at It.
Tacked the tapestry to the stabilizer, cut it down, tucked and glued misc. ends. Waiting for it to dry.
Next, work on frame. Cut foam core board to right size, add batting and background material. Screw in eyelets and attach wire. Frame.
Then tack tapestry to the front.
Posted by Ellen Shipley at 11:54 AM No comments:
Monday, July 3, 2017
Tucking and Tacking
Tucking loose threads and beginning to tack the tapestry down to the stabilizing material. Also reinforced the focal bead.
Each step at this point is like pulling teeth. There's a decision point at every step. No longer Zen.
Posted by Ellen Shipley at 2:04 PM No comments:
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Let see the catalog of program solutions! The SoftEmpire catalogue keeps a set of utilities, free programs, presentation, and trial editions PC program applications to download in different categories. Our website is absolutely free to acquire. Visit for awesome software downloads and spend sparingly your time! View the best solution excellent software catalog: system program tools and apps, netwok management software, games, and many varied great applications. Meet the best utilities collection on Softempire.com: there tons of amazing and handy solutions waiting for you.
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Finding Solutions
I would like guidance on how our company can support malaria control efforts
Case Studies of successful industry involvement in malaria control programmes
Case Studies of successful industry involvement in malaria control programmes
Oil Search, Southern Highlands Province, Papua New Guinea
Since 1998, Oil Search has been implementing the Marasin Stoa program, a village malaria treatment initiative at its Hides gas field project area in the Southern Highlands Province. The program entails training a community member, usually a woman, in basic malaria diagnosis using a Rapid Diagnostic Kit and supplying pre-packaged (dosage for weight category) malaria medication. The village treatment providers also collect malaria blood slides from each case for laboratory analysis in the Oil Search laboratory in order. The treatment providers charge a nominal fee and can sell additional 'over the counter' health products to supplement their income. This ensures sustainability of the program and addresses other social development issues such as poverty and gender equity. The program has seen a steady decline in the incidence and prevalence of malaria in all affected communities. Direct management has been taken over by a local church health service provider, with technical support provided by the Oil Search Health Foundation. The National Department of Health (NDOH) has endorsed the program and the model is being trialled in other parts of the country. Additionally, Oil Search has been appointed the new principal recipient (PR) of funding from the Global Fund replacing the NDOH as PR.


text: Hi, yesterday I put a couple of games on my external hard drive using WBFS and they went on fine and today I tried to load a couple of games onto WBFS before moving them to the hard drive and I keep getting this message - Error(s) occurred while reading some of the ISO files. Attempted to read or write protected memory. This is often an indication that other memory is corrupt. does anybody know how I could fix this?


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Feb 6
Happy Monday! Hope you all had a fabulous weekend! We had the BEST time in New York! This week was Broadway week, so we were able to get 2 for 1 tickets to a show. At the recommendation of my newest brother-in-law, we saw the newly revised version of Godspell. Ya'll it is so good.
I had no idea what to expect going into it, but I was blown away.
When John the Baptist started walking out singing, "Prepare Ye The Way of the Lord," I had tears in my eyes. I loved the power of the music, but mostly, I couldn't believe something filled with so much scripture was actually on Broadway, right next to Wicked, playing for a packed theater. It was amazing! Here's a little peek:
(Email subscribers, click here)
Hearing so many of Jesus' teachings come to life made me convicted that I really don't take the time to study and learn the words of Jesus. He has incredible, challenging, amazing, powerful teachings, stories, and truth. Often my head is buried in the Psalms (my favorite book of the Bible) that I'm missing out on the rich and powerful red letter words of Jesus.
So if it's been a while since you've opened up the Gospels, why not check it out? That's where I'm hoping to be this week!


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Cusco stands at the head of the Sacred Valley of the Incas and is the jumping-off point for the Inca Trail and famous Inca city of Machu Picchu. It's not surprising, therefore, that this is the prime destination for the vast majority of Peru's visitors. There are Inca ruins aplenty, as well as fabulous colonial architecture, stunning scenery, great trekking, river rafting and mountain biking, beautiful textiles and other traditional handicrafts.
The ancient Inca capital is said to have been founded around AD 1100. According to the central Inca creation myth, the Sun sent his son, Manco Capac, and the Moon sent her daughter, Mama Ocllo, to spread culture and enlightenment throughout the dark, barbaric lands. They emerged from the icy depths of Lake Titicaca and began their journey in search of a place to found their kingdom. They were ordered to head north from the lake until a golden staff they carried could be plunged into the ground for its entire length. The soil of the altiplano was so thin that they had to travel as far as the valley of Cusco where, on the mountain of Huanacauri, the staff fully disappeared and the soil was found to be suitably fertile. This was the sign they were looking for. They named this place Cusco, meaning 'navel of the earth' according to popular legend.
Today, the city's beauty cannot be overstated. It is a fascinating mix of Inca and colonial Spanish architecture: churches, monasteries and convents and pre-Columbian ruins are interspersed with hotels, bars and restaurants that have sprung up to cater for the traveller. Almost every central street has remains of Inca walls, arches and doorways and many are lined with Inca stonework, now serving as the foundations for more modern dwellings. The Spaniards transformed the centre of a magnificent Inca civilization into a jewel of colonial achievement. Yet the city today is not some dead monument; its history breathes through the stones. The Quechua people bring the city to life, with a combination of pre-Hispanic and Christian beliefs, and every visitor is made welcome.
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Las Vegas #1 Irrigation Repair Company
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From fixing leaking sprinkler pipes to replacing broken parts, our irrigation specialists have worked in a vast number of repair and installation jobs in various homes. We have the capabilities and resources to undertake any size project and any type of watering system. Check out our gallery to view some of our most recent work.
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Upcoming Events
10th Annual Ḵay Anniversary
August 18th, 2018
This annual event is a chance for locals and visitors to celebrate the Haida Heritage Centre and its accomplishments. The Ḵay Anniversary offers us as Haida peoples a chance to share our culture with visitors, come together as a community, eat delicious food and showcase the living culture of the Haida peoples.
Haida in Vancouver
Located in two exhibits in two different museums in Vancouver, you will be able to see a collection of Haida pieces.
On March 16th 2018 – June 15th, 2019 there is an exhibit called Haida Now located at the Museum of Vancouver.
The exhibition is organized into meaningful groupings of works that highlight the interconnection between art, language, land, spirituality, resilience, and life in the city. Haida Now elegantly displays over 450 works from the extensive Haida collection at MOV including woven baskets, intricate carvings, masks, headpieces and jewellery. Large portraits of the Haida in Haida Gwaii and Vancouver are featured with compelling soundscapes, short films, and interactive displays to offer a vivid sense of the vibrancy of the culture.
Learn more about Haida Now here: http://www.museumofvancouver.ca/content/world-class-collection-haida-art-display-its-entirety-first-time-mov-haida-now
On March 18th – October 8th 2018 there is an exhibit called Culture at the Centre located at the Museum of Anthropology.
Culture at the Centre is an unprecedented new exhibition that offers insight into the important work Indigenous-run cultural centres and museums in British Columbia are doing to honour and support their culture, history and language. Five centres are showcased, representing six communities: Musqueam Cultural Education Centre (Musqueam), Squamish-Lil'wat Cultural Centre (Squamish, Lil'wat), Heiltsuk Cultural
Education Centre (Heiltsuk), Nisg̱a'a Museum (Nisg̱a'a) and Haida Gwaii Museum and Haida Heritage Centre at Kay Llnagaay (Haida).
Learn more about Culture at teh Centre here: http://moa.ubc.ca/portfolio_page/culture-at-the-centre/
4th Annual Ḵay Christmas
On Saturday December 2nd, the Haida Heritage Centre celebrated the holiday season with the annual Christmas at Kay event. Throughout the day there was Door Prizes, Loonie Auction, Local Vendors, Kids Games, Arts and Crafts, Christmas Movie and of course a visit from Santa! Also live music by the Ukuladies and the Queen Charlotte Choir!
The Haida Heritage Centre staff would like to thank the donors that have made this event happen! Haaw'a to Rockies, Haida House and Taaw Naay for the donations to our prizes. Hecate Strait for doing the photo booth. The students from Haida Gwaii Higher Education Society for running the Minute-to-Win-it Christmas Edition games for the kids. Lastly a big Haaw'a to the Volunteer Skidegate Fire Department for getting us our two amazing trees!
9th Annual Ḵay Anniversary
On Saturday August 19th, the Haida Heritage Centre celebrated the 9th Anniversary of our grand opening event. The day began with the Clan Parade, where members of each Haida clan arrived in their regalia and proudly showed their clan. The Opening Ceremonies, usually in the Performance House, began outside the doors of the Welcome House with a prayer, official welcome from the chief of the village site, and a peace dance.
Throughout the day there were Food Vendors, Kids Games, Haida Language Spelling Bee, Leg Wrestling, Amazing Race, Arts and Crafts and more! The day ended with a Fish BBQ, a dance performance and the popular event, the dance competitions! One of the main events was the unveiling of the Solar Panels and Solart project, which were installed in the Summer of 2017 thanks to the Skidegate Band Council.
(Photos by Mary Helmer)
The Royal Visit
On Sept 30th, 2016, the Haida Heritage Centre Hosted the Duke and Duchess of Cambridge. They arrived on shore after paddling the Loo Plex canoe with the Skidegate Saints Mens Basketball Team. The royal couple was greeted by Hereditary Chiefs, Elders, and the President of the Haida Nation. In the Performance House, Hltaaxuulang Gud Ad Kaaju, the traditional Haida adult dance group performed to honour and welcome our new guests. After the welcoming ceremonies were done, Will and Kate then attended a tour of the Carving House, and the six poles outside of the centre. Inside, the royals were invited to explore displays of Haida Weavings, Carvings, and taste traditional foods.
8th Annual Ḵay Anniversary
On Saturday August 20th 2016, the Haida Heritage Centre celebrated the 8th Anniversary of our grand opening event. It all began with the Clan Parade, where members of each Haida clan arrived in their traditional button blankets, dancing apron and woven cedar or spruce root hats. They marched from the parking lot to the front of the centre, proudly displaying their crests while singing and drumming. Next, the Opening Ceremonies then in the Performance House, starting with a prayer, official welcome from the chief of the village site, and a peace dance. Throughout the rest of the day, there were games and exciting events for visitors and locals alike to participate in. There was a Haida Language Spelling Bee, Leg Wrestling, Seashell Decorating, and more! The day ended with a Fish BBQ, and an evening of Dance Competitions, performances and fun!
The Unity Pole Raising
On July 31st, the Gud ad Kiigawaay Gyaagang Ngaay (Clan Together Born Pole) was raised in Skidegate on Front Street. Hundreds of locals and visitors came together to view the amazing 60ft pole being raised and brought to life. This pole symbolizes the unity of the clans within the village of Skidegate, as well as Masset. This pole was commissioned by the Skidegate Band Council, who also hosted a potlatch later that day, inviting everyone who witnessed the pole raising to have dinner, listen to the carvers speak about the process of creating the pole, and see songs and dances, which is a Haida tradition to make the business formal and proper.


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Set the tone this season with a comfortable bra
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Here are four of WonderBra's latest styles that will give you comfort all winter long.


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This sport academy is designed to promote the development of academic, athletic and life skills.
Students in this academy will experience a unique opportunity where they will not only receive excellent academic instruction but will also receive skill training. This program is designed to enrich the golf instruction and skill development of players during the regular school day.
Students will have the opportunity to be trained by coaches and have access to specialized equipment for fitness training and video skill analysis. There is a tuition fee of $300. Students are required to provide their OWN transportation as this is an after
school program. No option blocks are used by this program for our Junior High students as it is an after school academy. Our High School students can receive the following credits:
Level One
Phy. Ed 10 (3)
HSS 1010 – Health Services Foundations
REC 1040 – Foundations for Training 1
REC 1050 – Sport Psychology 1
REC 2010 – Nutrition for Recreation Activities & Sport
Level Two
Phy. Ed 20 (3)
REC 2040 – Foundations for Training 2
REC 2050 – Sport Psychology 2
Level Three
Phy. Ed 30 (3)
REC 3050 – Sport Psychology 3
REC 3140 – Sport and Society
Get in TouchFather Mercredi High School 455 Silin Forest Rd Fort McMurray, AB, T9H 4V6 Phone: (780) 799-5725 Fax: (780) 799-5740
To report attendance General Inquiries
Ms. Lisa Miller
Vice Principals
Mrs. Kirsten McConnell
Learning Coaches
Mrs. Jamie Beaton (extension 5416)
Mrs. Trudy Finnson (extension 5512)
Classroom Support Teachers
Christa DeMerchant (extension 5413)
Jennifer O'Brien (extension 5415)
Science & Technology Centre
Mr. Tim Kilburn-Project Consultant
FNMI Aboriginal Liaisons
TrudieAnn Plamondon (extension 5477) Grade 10-12
Kayla Aikins (extension 5516) Grade 7-9


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Archive for November 2012
Arguments and Rebuttals
Saying God is the cause of intelligence doesn't tell us what caused God. This argument is powerless. If you were walking up to the entrance of a park and saw a group of flowers that were arranged to spell "WELCOME TO THE PARK," you would know they were the cause of intelligence. No sane person…Read More
Biblical "Contradictions" Explained
There are a multitude of so-called contradictions in the Bible, some of which are minor copyist errors that involve numbers. For instance, I Kings 4: 26 says Solomon had 40,000 stalls of horses for 12,000 horsemen, while II Chronicles 9: 25 says he had 4,000 stalls for the 12,000 horsemen. 40,000 stalls are way too…Read More
Many people these days claim the Bible doesn't condemn homosexuality. II Timothy 4:3, 4 speak of a time like this when people won't endure sound doctrine, but will turn their ears away from the truth and instead turn to fables to satisfy their own desires. Leviticus 18:22 clearly calls homosexuality an abomination, yet people stubbornly say…Read More


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Errare Humanum Est, Perseverare Diabolicum !
(comprenne qui pourra ... ou voudra ... fouchtra ! )
lu sur :
EDF chief executive warns France over Hinkley costs - The ...
www.theguardian.com › Business › EDF Energy
Traduire cette page
Il y a 2 jours - Jean-Bernard Lévy says nuclear project will not go ahead without more financial backing from French government.
One analyst earlier this week described the Hinkley project as "insane" because of the problems EDF and Areva had experienced at similar schemes at Flamanville in Normandy and Olkiluoto in Finland.
The Japanese prime minister at the time of the Fukushima nuclear accident has warned that nuclear power is unsafe and too expensive to justify building new plants anywhere in the world.
Speaking on the fifth anniversary of the disaster on Friday, Naoto Kan said he was against the idea of Japanese manufacturers such as Hitachi and Toshiba building nuclear plants in the UK.
"Nuclear power is not safe. In the worst case scenario up to 50 million people would have had to be evacuated. Nuclear power is not a suitable technology and renewable power is much better," Kan told the Guardian.
Les commentaires sont fermés.


text: FrodoDS ver 4.2 Improvements, bugfixes Troy Davis releases another update to this C64 emulator for the DS. Description: This is a port of Frodo a Commodore 64 emulator for the Nintendo DS by Christian Bauer, with modifications for the nds by Troy Davis(GPF). How to play: Make sure you copy your .D64 c64 disk images to a folder called /rd on the root of your CF/SD/TF card. Startup the emulator and it will allow you to select the d64 disk to mount on drive 8. You can press the right trigger to have it automatically type load"*",8,1 and then run. You might want to test the .d64 file on another version of Frodo to verify that the d64 is compatible with Frodo. while playing games the dpad and a and b buttons are used for your joystick, press select to switch between port1 and port2 that the joystick is in. A button joystick firebutton. B button space key. Frodo DS ver 4.2 (03.05.07)


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Latest Articles in government
'5 Lakh Children Die Every Year In India Due To Vaccine Preventable Diseases'
In spite of the advent of technology in intelligent vaccine management, India has only succeeded in achieving 65 percent coverage in basic immunizationRead More
Taiwan's MediaTek Applies For ZTE Shipment Permit Under Government Order
ZTE said the ban, imposed as the United States and China spar over import tariffs, threatened its survival.Read More
India Adds More Than 3 Million Formal Jobs In 6 Months
In what could be a massive boost to the government credentials, India added atleast 2.2 million formal jobs over the six months to FebruaryRead More
Punjab Government Offers Over 45,000 Jobs
Punjab government on Thursday (22nd February 2018) said that over 45,000 jobs will be offered during the second phase of the 'Ghar Ghar Rozgar' schemeRead More
Organisations Believe AI WIll Make Workplace Better
Even as fears about artificial intelligence (AI) mount across the globe, organisations still believe that pairing humans alongside machine intelligence will create a more effective workforce, according to a study.Read More
Build A New Capital With A Chanage Mindset
Macro-systemic shifts in ecosystems will take time but we need to lay the foundation now using frameworks such as the BEARead More
Bank The Reserve
The government must resist the temptation to dip its hand in the till.Read More
No Proposal To Withdraw Cheque Book Facility: FinMin
The Government of India has reaffirmed that there is NO proposal under consideration to withdraw the bank Cheque Book facilityRead More
Maternity Leave: A Potential Financial Liability To Employers?
Employers need to bear the complete cost of compliance and providing childcare support to its employees, which was not addressed in the Maternity Benefit Act beforeRead More
Ease Of Doing Business: Word Bank Recognises India As The Top 10 Improvers
A jump in 30 places within 2 years, India ranked 100th in World Bank's Ease of Doing Business report released today. The report recognises India as one of the top 10 improvers in the assessment, however does not take into account the Goods and Services Tax (GST) rolled out this yearRead More
Govt Working On Time-bound System For Grant Of Security Clearance To Defence Industry
The government was looking at putting in place a system under which a time limit will be stipulated for granting of licence on short, medium and long-term basisRead More
Gold Extends Gain As Govt Eases Buying Norms
Silver followed suit and advanced by Rs 100 to Rs 40,700 per kg on increased offtake by industrial units and coin makersRead More
Govt Approves Rs 25000-Crore Mega Internal Security Scheme
A scheme for special central assistance (SCA) for 35 districts worst hit by LWE has been introduced with an outlay of Rs 3,000 crore to tackle the issue of underdevelopmentRead More
Arun Jaitley Sees CSR Spending Potential Of Rs 14,000 Crore
This makes a significant amount if added to the government's initiative towards social sector, he said, adding that this is the amount which is going to increase annuallyRead More
Delhi govt to purchase 1,000 new buses; needs 3,700 more
According to official figures, there is a need for around 11,000 buses to cover all the areas in the city, which has a total of 865 routesRead More


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Luis Ortiz sent me a copy of his new book, Cult Magazines: A to Z: A Compendium of Culturally Obsessive & Curiously Expressive Publications, which he co-edited with Earl Kemp. It's a remarkable history of special interest magazines from the 1920s to the 1990s, arranged alphabetically.
As you might imagine, "special interest" mainly means magazines with photos of unclothed women, and this category is well represented here, but there are also lots of lovingly-written entries on magazines about science fiction, adventure, the occult, detective stories, music, comics, humor, and movies.
The entry on bOING bOING, the zine, is very accurate. I have no idea where they got these details, but they included things I'd completely forgotten about, and things I didn't think I'd ever told anyone before. (The only bit that's incorrect is that our last issue was 15, not 16.) Luis kindly gave me permission to run bOING bOING's entry here:
The zeitgeist of the 1980s through 1990s was full of people attempting to meld computers, technology, sex, literature, and art. The science fiction sub-genre cyberpunk was one offshoot of this mating, and it served as the hot core of many new magazines. Mondo 2000, Black Ice (from England), N6, Nonstop, SF Eye, Future Sex, and bOING bOING were all 'zines that shared much of the same mindset, and some of the same writers.
In 1988, Mark Frauenfelder and his then-girlfriend (now wife) Carla Sinclair, began putting together a fanzine full of fun technology, freaky comics, Silicon Alley gutter-curb culture, cyber-science fiction culture, and all manner of posthuman irreverent things. Frauenfelder, while working as a mechanical engineer, had discovered Factsheet 5, a review for do-it-yourself magazines, and was inspired to create his own zine. He used a dot matrix printer and the copier at his office to publish the first 32-page issue of bOING bOING, which included an interview with Robert Anton Wilson, a piece on brain machines by Sinclair, and comics by Frauenfelder. The couple sent copies to Factsheet 5, and the review there brought the 'zine to the attention of Ubiquity Distributors in New York City. Soon Fine Print and Dessert Moon distributors, who were all looking to get into the zine boom of the early 1990s, picked it up.
Paul Di Filippo's "Ribofunk" ran in the second issue, along with work by Gareth Branwyn who joined the editorial staff. By the fifth issue, the self-styled "neurozine" began running color covers, and carried ever-changing mottos: "The perpetual novelty brain jack" or "The brain mutator for higher primates." It didn't take long for bOING bOING to find its audience (a group made up of alternative comics fans, first generation cyberpunks, and computer geeks), and the magazine was soon selling over ten thousand copies an issue, even though it is quite probable that none of its readers could describe the magazine to non-readers.
A sort of editorial/manifesto appeared in the eighth issue: "How can our paranoid one-maze monkey brains integrate new structures and patterns? Where is the hard reset button on our nervous systems that'll allow us to flavor our thinking with new epistemological spices? One of bOING bOING's purposes is to explore metanoia (the ability to simultaneously incorporate multiple tunnel realities) and discover some of the countless ways to achieve this fun state."
bOING bOING was put together by geeks for geeks. Frauenfelder was also the magazine's main illustrator, and utilized a cartoony style that appeared cribbed from the spare 50s television cartoons of Gene Deitch. The writers included a mulligan stew of science fiction authors and tech-heads like Bruce Sterling, Lewis Shiner, Richard Kadrey, John Shirley, Charles Platt, and Rudy Rucker.
Circulation reached 17,500 by the 16th issue [should be the 15th issue -- Mark], but the bankruptcy of Fine Print Distributors left Frauenfelder and Sinclair in the hole for $30,000. The distribution aspect had always been on shaky ground and when another distributor collapsed Frauenfelder and Sinclair attempted to sell the magazine directly to readers with mixed results. In the magazine's last year, the couple were working on books and internet projects that would eventually replace bOING bOING.
Frauenfelder was an editor at Wired from 1993-1998 and founding editor of Wired online. bOING bOING was a website for a while, before turning into the popular web blog it is today. In an interview, Sinclair said, "bOING bOING always comes back."
Cult Magazines: A to Z: A Compendium of Culturally Obsessive & Curiously Expressive Publications


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A recent story in American Banker reported that at least three banks are planning to launch new small-dollar loans products after the Consumer Financial Protection Bureau's payday lending rule becomes effective. The article states that banks are drawn to a possible CFPB exemption from underwriting requirements for loans meeting certain characteristics. Here's why I'm dubious about this development.
The re-entry of banks into the small-dollar, short-term credit market would be a win for consumers' choice. Additional competition spurs innovation, which improves products and services and drives down costs. Payday lenders represented by the Community Financial Services Association of America have always welcomed more competition, as we have noted in these pages previously.
I am, however, quite skeptical of the notion that the CFPB rule will change banks' resistance to these products. Up to now, major banks have been uninterested in serving this market, and the products they have tried to offer have not been successful. If banks could be serving this market profitably, why aren't they already doing it?
A recent study commissioned by the American Bankers Association found that only 1% of banks surveyed currently offer loans of $500 or less. Banks largely find loans of a few hundred dollars unprofitable and unsustainable due to the high cost and risk of offering these products. In fact, in 2009, the FDIC's Small-Dollar Loan Pilot Program allowed banks to offer payday loan-type products with a 36% interest rate cap. But those products proved unprofitable in the short term.
Even if more banks would offer small-dollar loans under the CFPB's rule, the recent American Banker article states that banks would only net $70 on a $500 loan, only about twice the cost of an average overdraft fee. This is simply not enough revenue to offset the increased costs associated with offering small-dollar products. Personnel and real estate expenses — the principal drivers of the cost of a payday loan — are much higher on a per-unit basis for banks.
The article said loan products drawing banks' interest would have monthly payments limited to 5% of a borrowers' income, since that is the threshold exempting the loans from CFPB underwriting requirements. The 5% threshold superficially seems like a good idea; it would certainly ensure that such loans are affordable to the most creditworthy of current borrowers. However, the 5% limit will serve to exclude the vast majority of current borrowers because they could not qualify for the amount of credit they require under this test. The Pew Charitable Trusts developed the 5% test from anecdotes of focus-group participants, and there is no empirical support for the notion that the imposition of such a standard — at 5% or any other level — would improve the welfare of borrowers.
The CFPB's proposal, which in its current form would drive nonbank lenders out of the market, creates a convenient entry for traditional banks, but at the same time leaves millions of customers without access to short-term credit. Many consumers who use payday loans are unable to borrow from banks. Some choose to visit nonbank lenders because they are uncomfortable with banks or find them unaccommodating, while others live in areas that are not served by banks.
If banks truly could serve these customers profitably, they would remain in these neighborhoods. Instead, they have written off these areas as poor prospects where consumers tend to keep small account balances and are unlikely to gravitate towards more profitable bank products.
An executive quoted in the article attempts to justify the lower profit margin of short-term credit products as a gateway to future transactions. However, what will happen if these transactions do not materialize at the levels banks want? The check-cashing, money-transfer, remittance and other "high-touch" services these customers demand are inconsistent with current models of retail banking that depend on streamlined self-service and electronic transactions. The numbers simply will not add up for banks.
If Pew and other critics get their way, the CFPB's proposals will lead to an estimated 82% reduction in payday loan revenues for small lenders. I have estimated that 60% or more of storefront payday lenders could shut down. Some of these lenders' customers will turn to banks, if they are able to do so. However, it is far more likely that banks will acquire a very small number of the best-qualified borrowers and leave less creditworthy applicants without options — forcing many to turn to illegal online lenders and loan sharks.
Regulators and advocacy groups should keep these thoughts in mind before crafting a rule that would favor the needs of banks over the needs of the consumers whom the advocates claim to represent.
Dennis Shaul is the chief executive of the Community Financial Services Association of America, which represents nonbank lenders. He previously served as a senior adviser to former Rep. Barney Frank and as a professional staff member of the House Financial Services Committee.


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Pennsylvania-born singer and songwriter who released her debut album, Til the Casket Drops, in 2012. Her song "Put The Gun Down" made Billboard's Alternative Top 40 chart.
Her music spans the genres of R&B, pop, blues, and soul.
She appeared on a 2013 episode of The Jay Leno Show, performing her hit song "365 Days."
Before fame
She signed with Boardwalk Entertainment Group in 2009 and subsequently released a 2012 EP entitled Criminal. She later signed with Hollywood Records.
Related to
She lived in Abington, Pennsylvania until the age of twelve, at which point she moved with her father to Roseburg, Oregon.
- The meaning of the name Ward: Guardian


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Good Action
Bassin Assassin Posts: 1,210 Officer
edited February 2 in West Central General Fishing & The Outdoors #1
Launched on the Manatee just after 1pm. Water was 65 degrees and stained. Tide was coming in. Nothing happening in the main river after an hour so I hit a large shallow water bay. Over the next 4 hours I caught at least 20 snook. All were pretty small and between 10 and 20 inches. I also caught 4 reds (18", 21", 21" and 22"). The largest red was caught right at dark and I headed for the ramp immediately after releasing that copper beauty. It was such a fun day.
Improve Our Fishery - Practice Catch and Release
lukkyracer Posts: 487 Deckhand
Nice man! I haven't made a trip up river this winter.0
Bassin Assassin Posts: 1,210 Officer
Lol No trout.Improve Our Fishery - Practice Catch and Release0


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About us
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Links & Contact
Interview with Guillermo Arthur ERRAZURIZ, President of FIAP
The International Federation of Pension Funds Administrators (FIAP) brings together most associations of pension funds from the states with a multi-pillar pension system, providing global representation of their interests, as well as experience sharing, for the benefit of all its members. Present in Romania in order to invite APAPR, the Romanian association of the private pensions industry, to accede to FIAP, the President of the Federation, Guillermo Arthur ERRAZURIZ, gave PRIMM Insurance&Pensions magazine an exclusive interview.
Interview with
Guillermo Arthur ERRAZURIZ
President of the International Federation of Pension Funds Administrators (
The International Federation of Pension Funds Administrators (FIAP) is a strong organization, representing globally the private pension systems created according to the World Bank's model. What is the organization's main current purpose?
Guillermo Arthur ERRAZURIZ:
FIAP brings together the associations of the pension administrators from the multi-pillar systems, with a mandatory component (Pillar II), fully-funded (financed through contributions) and based on personal saving accounts. Our purpose is to share the experience of all these states that applied such reforms after the model launched in Chile in 1979 and to promote the need to reform the "pay-as-you-go" public pension system worldwide. We plan to turn the experience gained so far by these states into an example and help improve and streamline the multi-pillar private pension systems throughout the world.
Also, our main objective is to foster the liberalization of legislation on investments of the private pension funds from these systems in order to allow more diverse investments, both in terms of financial instruments and in terms of cross-border investments.
FIAP currently has 21 members, each one from a different country. Most if them are Latin-American states, although pension funds associations from Poland, Bulgaria, Russia and Ukraine have recently joined the Federation. What role does Central and Eastern Europe play in FIAP?
We are highly interested in strengthening our relations and representation in the Central and Eastern European states. Actually, the pension systems from here and the ones from Latin America are mainly based on the same philosophy. Poland, Bulgaria, Russia and Ukraine are only the first states from this region that joined our organization, but we are interested to see other countries from here become FIAP member, such as Romania, the Czech Republic and others. In fact, this is why I am here, in Romania - this is my first visit here.
Tell us more about the potential affiliation of the Romanian private pension industry to FIAP. What could be the effects of such affiliation?
Actually, I met with Crinu ANDANUT, President of APAPR (the Association for Privately Administered Pensions from Romania) and with Bram BOON, former president of this institution. They seemed to be highly interested in the affiliation of the Romanian private pension market to our organization, which would bring the advantage of sharing our common experiences, as well as global representation, together with the other member states, for the local private pension industry. We launched the invitation for APAPR to become a FIAP member, an invitation which is actually open to all similar associations from the states in this region that have such pension systems. As we all have private pension systems that are more or less similar, it is obviously useful to learn from each other, and for countries like Romania it proves to be useful to look at the experience of other markets that already went through various maturing stages.
How would you describe the relation between FIAP and various regulatory and supervisory bodies in the private pension field worldwide?
The private pension systems we applied are strictly regulated, and our activities depend largely on the regulatory and supervisory bodies. We have the best possible relation with these bodies, whose representatives we invite to all our meetings and conferences to present the industry's point of view and find solutions to emerging problems.
What are the guidelines of the multi-pillar private pension systems, both in Latin America and in Central and Eastern Europe? What are the objectives they need to follow, first and foremost?
Once these systems are launched, the investments component of the pension funds becomes the most important one. And the only targets to consider in the investment strategy are two: profitability and investment safety. This is what an efficient private pension system is all about: profitability and safety. The legislation for these systems must be tailored in line with these goals and must be as flexible and liberal as possible, allowing for investments in as many financial instruments as possible, to capitalize on the opportunities, as well as freedom of investing on markets other than the domestic market, thus providing geographical diversification of the investment risk.
For instance, a legislation that clearly restricts investments in shares makes the respective private pension system non-profitable. Meanwhile, a legislation banning cross-border investments limits the system's safety by not allowing risk diversification. Concentrating the investments of the pension funds on a single financial market, namely the domestic one, is never a wise decision.
Another issue concerns the investments in state securities... The investments in state securities are not the most efficient tools and do not provide the system with the necessary profitability. The legislation must encourage efficient investments, in shares and similar instruments, with strong growth potential on the long term.
What other solutions are there to help streamline the private pension systems and increase their profitability, for the benefit of the participants?
The multi-fund strategy is a very good solution, for instance. More and more states allow a pension company to manage more that one fund, even two or three or more pension funds, with different investment strategies and risk profiles, to cater to more needs of the different participants to the system, according to their age, risk appetite and suitability. It makes sense that young people subscribing today to such mandatory private pension funds are able to benefit from larger investments in shares made by the funds - even more as it is practically proven that investments in the capital market yield the highest return on long term. At the opposite end, we have the participants to these funds who are maybe closer to their retirement age and want to preserve the value of the savings they already made - we must be able to offer them funds with higher investments in fixed-income financial instruments.
In Chile, for instance, each pension company offers five such funds, their investments going from 100% in fixed-income instruments to the other extreme - investments made entirely in shares. Multi-funds are thus better adjusted to the needs of the participants to the private pension funds.
Are the current levels of contributions to the Pillar II mandatory pension systems sufficient? Romania starts from a contribution of only 2% of the participant's gross income, to reach 6% in 2016.
Considering all the demographics involved, but especially the increase in life expectancy, the contributions should be higher than current levels. Even 6% is quite low... we estimate that a minimum contribution to the mandatory system should be around 10%, to which we must add the savings in a voluntary third pillar fund, for a higher income replacement rate during the active period. The problem with Pillar III of voluntary private pensions is the same everywhere: the saving incentives in these pension plans are always of fiscal nature, and they particularly benefit participants with high to very high income. But the challenge consists of identifying the solutions that encourage those with medium to low income to save in this system.
The guarantees of the private pension systems are a highly debated topic in the region, but especially in Romania - whether we talk about matching fund returns with the inflation rate or about other types of guarantees. How would you describe FIAP's vision in this area?
Guaranteeing returns above the inflation rate for the pension funds sounds like a very good idea, in theory, but it is very dangerous when put into practice. Such a provision would make pension funds adopt too prudent investment strategies, which would go against the system's need for profitability that we mentioned previously. The widely spread practice in the multi-pillar system is the minimum guaranteed return, namely the market relative guarantee - just like in Chile, in Poland and in Romania. It's true, this provision clearly leads to a similarity of the private pensions' portfolios - a consequence that I honestly cannot say if it's good or bad. In the market relative guarantee system it is very important that the margin compared to the benchmark is as flexible as possible in order to allow diversification of the funds' investing strategies and not hinder competition between funds.
Another topic for debate, highly relevant on the Romanian market, concerns the outsourcing of the investments by the pension funds. What is the common practice in multi-pillar systems: should or should not pension funds be allowed to outsource the investment of their assets?
In most states, the investment decision belongs to the pension company. But when that pension company is part of a large international financial group, it is normal to allow certain ways of know-how transfer and consulting intended to capitalize on the group's investment experience, for the benefit of the participants to the fund. However, the responsibility for the investment results must always stay with the pension company.
We are all familiar with the experience of Chile, which introduced the multi-pillar private pension system for the first time in the world. However, the Chilean model has recently suffered several image problems, caused by certain studies claiming that the Chilean state must now pay the pensions for many participants to the multi-pillar system, and stating that the private system was inefficient. What is your reply to these arguments?
Given that Chile was the first state to apply this reform, many enemies of the multi-pillar system thought of attacking the very Chilean example and destroy the system's credibility. As a result, the Government established a commission to look into the system's current status, and the main conclusions of the research were twofold: 1) the fact that the system pays, to those who contributed for a long time and constantly, pensions that are close to the average salary they had, and 2) the fact that the pension funds and the accumulation of assets in the funds helped foster economic growth and the country's financial markets. The funds got so big, with assets of more than 120 billion USD today, namely an amount almost similar to the GDP of Chile, that they can finance infrastructure activities and even the construction of dwellings, through investments they make in mortgage bonds.
The Chilean system of mandatory pensions started making its first payments approximately ten years ago - what we call the entry into the payout phase. At the moment, the system has four million active and constant contributors, as well as seven million "affiliates", namely participants who only paid some contributions, because of various reasons. Indeed, the state must compensate up to a certain level the pensions for many of these affiliates and for the people with low income, but this is not due to any flaws or to the inefficiency of the multi-pillar private system, but to the low volume of contributions of many participants to the system.
Since you mentioned the payout phase, how is this regulated in Chile?
The participants to the pension funds have a wide variety of possible solutions, from a simple lump sum, to complex combinations of lump and life annuities that can meet both the need to have available, at some point, a substantial amount, and the need to have a constant income throughout one's lifetime.
What message did you give the current and former president of APAPR when you invited them to join FIAP?
I told them not to worry if the current legislation on the private pension market in Romania seems too restrictive now, this is a normal stage occurring after the launch of the system. The experience of similar systems indicates that all of them started off with a restrictive legislation that became more flexible and liberal afterwards, allowing the market to become more efficient.
The most recent stories on this subject:
Romanian private pension funds' assets reach EUR 1.33bn
OANCEA: Half of the mandatory funds' participants own less than EUR 130 in their personal accounts
XPRIMM's private pensions market awards 2011: And the winners are...
CSSPP: Full disclosure of investment portfolios of pension funds, twice a year
Proposal of full tax break for voluntary pensions waits for Parliament's decision
Compared to the previous months, December brought an extra 10 million in the accounts of Pillar II participants
Guarantee Fund Act was passed by the Senate
Mircea OANCEA: we need speed up contributions enlargement in spite of crossing tough times
2010: A year with investment results that exceeded expectations
A peek into the investment strategies of the Romanian pension funds
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Cathedral Cafe
Contact Details
056 7703885
Grounds of St Mary's Cathedral, James St, Kilkenny
Nestled on the grounds of St. Mary's Cathedral you will find Kilkenny's newest café, ideal for Afternoon Tea, a hot lunch or a sweet treat! Walk through the original stone arches into the spacious and surprisingly brightly-lit tea rooms and indulge in our homemade culinary delights. All our food is sourced locally where possible from the friendly butcher Mullins of Friary Street, to Toss Farrell and his team for vegetables. See daily specials on Facebook!


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BENYLIN® 4 Flu Tablets provide effective relief from flu symptoms including fever, congestion, and aches and pains.
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Written by
Harry Butler
June 7, 2010 // 11:12 a.m.
Tags: #bigfoot-networks #computex-2010 #hd-5770 #hydra #killer-2100
Companies: #powercolor #powercolorcolor
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Bigfoot Networks claims its new wireless gaming card gives you the edge online.
Can the latest evolution of the Killer NIC justify its £60 price tag?
MSI has beefed the CPU power hardware on its 870A Fuzion board for better overclocking.
The latest addition to ATI's stable of graphics cards fits in between the HD 5770 and HD 5850, bringing DirectX 11 graphics to yet another price point. We take a look to see if it's performance stacks up to its price tag.
The Radeon HD 5770 is a surprisingly capable GPU that costs a wallet friendly £120 - PowerColor's PCS+ looks to build on it thanks to an overclock, a copy of Dirt 2 and a custom cooler.
With anticipation mounting higher than Everest, MSI and Lucid have big, bold performance statements to fill. With the ability to run a mix of different graphics cards together in multi-GPU setups, and promising performance better than what Nvidia and ATI offer - we put these claims to the test.
With the new multi-GPU HD 5970 on sale and Catalyst drivers maturing, we take a look at the CrossFire performance of ATI's latest batch of GPUs. Are two HD5770s as fast as an HD 5870? Is CrossFire a decent upgrade path? Or is CrossFire still miss-firing? We've benchmarked furiously to find out!
AMD has launched two new mid-range graphics cards today, the Radeon HD 5770 and Radeon HD 5750. We review the Radeon HD 5770 from Asus and look to see whether the game has changed at this hugely important price point. Read on to find out.
© Copyright bit-tech


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10 Ways to get round the barrier of time for eating healthier and improving your diet
Recently I've been conducting research into what aspects people feel are holding back their health, along with the main barriers standing in their way of change.
The reason for this is I'm in the final stages of completing my upcoming book, and as I primarily work with busy professionals, I wanted to ensure the guidance and support within it covered everything impacting their lives.
From my research, something became abundantly clear:
The biggest barriers people face in regards to their health are time and motivation.
At the end of the day eating healthy and finding balance is tough, I get it. Especially after a long day, nightmare commute, on top of trying to juggle family life with a career.
But the reality is there will never be a right time to focus on your wellbeing, which is why regardless of how difficult or 'inconvenient' it may be, you simply need to find ways to give it at least some of the attention it requires.
The good news is with a little thought and preparation, this can be done in a way that fits into your lifestyle and routine, which is why this week's post is all about strategies to get round the barrier of time in regards to eating healthier and improving your diet.
Just like many other things in life, success and planning go hand in hand. Therefore, the easiest way to improve the way you eat, is to have a rough idea of exactly what you're likely to be consuming for the week ahead.
I know initially it may seem like a hassle or time consuming, but as with anything else, the more you do it, the quicker and easier it becomes.
That's why I like to coach my clients on principles based around what I like to call the 3P's: Plan, Practice, Perfect.
Getting this right is all about finding ways to make the healthy option the easy option and can be done in conjunction with the ideas below:
1) Make a meal plan
Chances are you'll eat at least some of the same foods on a regular basis, which is why I highly advise you sit down and make a meal plan for the week ahead. That way you know what you'll be having for most meals, making it less likely you'll act on impulse and turn to other convenience offerings instead. This is probably the biggest issue of them all, as it's been found that it's in these moments that we're more likely to make negative choices, such as turning to takeaways or other processed foods.
This is also great way to get the whole family involved as well. I've found doing so has the added benefit of making kids far more likely to be accepting of a healthier way of eating, as they feel like they at least have an input and this 'change' isn't being forced upon them.
Depending on what you decide to make, you can use your plan schedule or determine who is responsible for cooking on different days, helping you structure you schedule accordingly.
Initially it's best to keep things simple and start with seven days at a time, but as you get more comfortable, you could easily extend it further.
2) Make a weekly shopping list
Shopping can be an inconvenient and time consuming experience, but by having a list for your meal plan you can save a massive amount of time in store, as you won't be aimlessly wandering around trying to decide what you need.
3) Shop online
You could even take this a step further and use a home delivery service. Once set up you can quickly add regular items to your list, reducing your weekly shop time down to a matter of minutes.
Shopping online is also temptation-free. This is important as more often than not spontaneous decisions are based around unhealthy snacks or treats you don't actually need, but are in most cases hugely detrimental to both your health and your waistline.
4) Bulk cook
Find a day or afternoon where you can free up some time and prepare as many meals as possible then freeze them. The extra effort involved for making larger portions is minimal and can save you a huge amount of time in the long run.
By having a freezer stocked with healthy nutritious meals, you can quickly throw one in the oven or microwave after a long day, thereby removing the temptation of turning to take away on nights that you're too tired to cook.
You could also pack and prepare a few days lunches ahead of time, meaning it's no longer a daily chore on your to do list.
5) Make extra for lunch
If you're eating out for lunch most days you'll probably be struggling to find healthy options and more likely than not indulging far more than you realise or should be. If this is the case and you don't feel like preparing lunch, then just make a larger dinner and take left overs.
6) Make extra and freeze it
If bulk cooking doesn't appeal to you or you don't want to eat the same meal two days in a row, try cooking larger dinners and freezing the leftovers so they're there for another day.
7) Turn to other healthy convenience foods
On days you really don't feel like cooking, instead of turning to takeaway, get a rotisserie chicken or other ready-made freshly cooked items. Not only are they fresh and delicious, but they're also free from all the chemicals and processed ingredients you should be aiming to avoid. All there's left to do is buy a salad or microwave some vegetables and you have a healthy dinner ready in minutes.
8) Prep ingredients when you get home from store
If you're rushed for time in the evenings, try chopping up veg or other items when you get home from the store. That way they're kept in Tupperwares ready for use and you can quickly throw together anything from a stir fry to a pasta dish or salad in under 15 minutes.
9) Keep fridge stocked with precooked proteins
Roast a chicken or other meat on a Sunday, chop it up and store it in the fridge ready for use. It'll last for up to four days, meaning it massively cuts down on preparation and cooking time.
10) Set up cues
Try setting up cues that encourage you to act upon healthy actions. For instance; if you regularly skip breakfast, one thing you can do to embrace change is to place everything you need out on the counter the night before. Doing so will act as a visual reminder of what you need to do, thereby making it far more you won't skip it.
As an example of this in action; by having everything ready you when you get up you can quickly throw some oats in the microwave, while they're cooking slice some banana then add some peanut butter and Greek yoghurt. There you have a filling nutritious breakfast prepared and eaten in under ten minutes.
Developing cues is an essential part of creating healthier habits, which initially may need some work or conscious effort to go through with, but will in time simply become another part of your routine. It's been found it can take anything from 15 to 60 days for a habit to be formed, so even if it may not seem like it now, you can replace bad habits with actions that positively impact your health instead.
Putting this into practice
Principles like these can be developed and applied to all aspects of your wellbeing, from becoming more active to managing stress and achieving balance.
Final thoughts
These are just a few ideas you could incorporate into your daily routine, but what you'll find is by properly planning and thinking about your current behaviours you'll easily find other ways to streamline processes that work for you.
With that being said though, what other ways can you think of to get round the barrier of time in regards to eating healthier and improving your diet that may help others?
Share your thoughts and questions in the comments below.


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Porto Photos
From: Porto, Portugal
This view of downtown Porto was taken from the upper deck of the Ponte de Dom Luis I, which is reserved for Metro trains and pedestrians. (You can see the edge of the bridge and a structure for the Metro's overhead electric cables at the right side of the picture.) The lower deck, just above the river, is shared by cars and pedestrians.
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Copyright © 1996-2018 Durant and Cheryl Imboden. All rights reserved.


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Month: February 2012
Happy Friday {Fresh Baked Bread for Breakfast}
Miso Kale and Brown Rice
Let's talk about farm boxes/CSA boxes. I'm super excited about this idea although it's not anything new. We recently started ordering them and I can definitely say that so far, although it's still very recent, the thrill of receiving a box of organic fruits and vegetables, all grown local is overwhelming in the best way. I love not knowing what will be in the box and discovering new ways to prepare veggies that I am not used to making. The great thing about the farm box is just that… it forces us to add some variety to our daily meal routine. I can easily get fixed on buying the same old tired stuff at the market- fruits and vegetables that I'm used to. BORING! Well, not anymore. Changes are coming!
Recently, we've been eating A LOT of kale. All kinds of kale. This is exciting to me because before this past year, I only knew of kale and never made it. What was I waiting for all these years? It all started with these kale chips. Currently, I'm into marinading and then baking the kale which makes it extra flavorful with a little bit of delicate crunch.
This recipe is super easy. All you have to do is gather the above ingredients, put all in a mason jar and shake until it emulsifies. Next, toss with kale leaves and let sit until the oven comes to temperature. Then, spread onto a parchment lined sheetpan and bake. Top short grain brown rice with the baked kale and pat yourself on the back for a job well done. Not only are you eating healthy, but it tastes so darn good. A win-win.
Preheat oven to 350 degrees
Wash and remove stems and ribs from kale, keep the pieces larger in size (they will shrink quite a bit)
Miso Marinade:
2T white vinegar
2T toasted sesame oil
1T soy sauce
1 tsp red miso
1/2 tsp fresh grated ginger
1 tsp chopped garlic
Place all marinade ingredients in a small jar or container with a lid. Shake until all is combined and oil and vinegar is emulsified. You'll know it's emulsified when the mixture looks creamy.
Toss with the kale and spread out on a parchment lined sheet pan. Bake for 20 minutes. Serve over warm rice.
Rosemary Caramels with Goat Milk and Smoked Sea Salt
Carmelized Onion and Potato Pizza
There's a little pizza place in Kansas City that makes delicious potato pizza. Nothing fancy, but bursting with savory goodness. I was blown away by their pizza and wish I was back there for a quick lunch or dinner. Anyhow, their pizza inspired us to make our own version and it's one that constantly changes, depending on what's available and more importantly, what's in the fridge that needs to be used up before it's too late…
We took a short cut and used a pre-made (Trader Joe's) pizza dough. For this pizza, we carmelized some brown onions, deglazed the pan with marsala, and seasoned with salt and pepper. Slice 1-2 potatoes paper thin. This is important because if the potatoes are too thick, they won't cook and you'll end up with crunchy pizza. Not so good. Next, slice up some fresh tomato, although sun dried ones would probably taste nice too. Lastly, drizzle with olive oil, sprinkle with gorgonzola cheese crumbles, and dust with more salt and pepper. Bake at 425 degrees until golden brown.


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Lunacloud is proud to support The Founder Institute and its startup community.
Lunacloud has recently partnered with The Founder Institute, and will offer a 1000€ credit to every startup/project supported or associated with this global incubator.
The Founder Institute is the world's largest entrepreneur training and startup launch program, helping aspiring founders across the globe build enduring technology companies.
In less than three years of operation, the Founder Institute has helped launch over 1000 companies in 55 cities across five continents. Based on the companies launched, The Founders Institute is the largest incubator of ideas in the world.
Under this partnership, Lunacloud is also available to discuss participation in competitions, events, meetings and workshops organized by The Founders Institute, on a case-by-case basis, as a speaker, sponsor or partner.
Lunacloud is committed to support the startup communities and entrepreneurs, especially in the tech industry and looks forward for cooperation with The Founders Institute.


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Hamilton's fourth Belgian pole was the 68th of the Mercedes star's career, and after delivering it his (and Schumacher's) former team boss Ross Brawn was on hand to share in the historic moment.
"I'm here to deliver a very special message from Corinna Schumacher and the Schumacher family, who want to congratulate you on equalling Michael's record," said Brawn.
"As they said, Michael always said that records are there to be broken, so they want to send their very special thanks."
Hamilton reached the qualifying landmark on the circuit where Schumacher made his F1 debut in 1991, where he sealed his record seventh world title, and where he scored his maiden win 25 years ago – an anniversary which will be marked on Sunday by his son Mick demonstrating one of Michael's title-winning cars.
"To hear the message that Ross just gave, I have to say a big thank you," said an emotional Hamilton. "I pray for Michael and his family all the time.
"I've had the privilege of racing with him, from karting days in Kerpen to on the (F1) track and I've always admired him – and still do today – so I'm just honoured to be up there with him now in the poles, but he will still be one of the greatest of all time."
Hamilton will start his 200th Grand Prix on Sunday, chasing his 58th career victory. Only Schumacher is above him on the all-time list, but the Briton will need over 30 more if he is to match the great German's record of 91.
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Who is Linda?
Linda Lavin won a Tony Award, as well as Drama Desk, Outer Critics' and Helen Hayes Awards, for her performance in Broadway Bound in 1987.
Today, in addition to her ongoing starring roles on Broadway and in Television and film, Linda performs her concert act with Billy Stritch, her music director, and her husband Steve Bakunas at the drums, and has released her first CD «Possibilities», an album of jazz standards and show tunes.
Throughout the country, Linda has entertained sold out houses with her many concerts- the newest called My First Farewell Concert.
Linda is a six-time Tony nominee for her roles in The Last of the Red Hot Lovers, The Diary of Anne Frank, The Tale of the Allergist's Wife, Collected Stories, The Lyons, and, most recently, Our Mother's Brief Affair on Broadway for Manhattan Theatre Club.
Other theatre credits include The New Century (Drama Desk Award), Other Desert Cities (LCT), and Too Much Sun (Vineyard Theatre). Lavin is a two-time Golden Globe winner for her role as Alice on the 9 year hit TV series on CBS, and she recently co- starred with Sean Hayes in the NBC Series Sean Saves the World. She appeared with Robert De Niro in Nancy Meyer's The Intern in Fall 2015, currently on DVD. Other film credits include Wanderlust, A Short History of Decay, The Backup Plan, The Muppets Take Manhattan, See You in the Morning... Born in Portland, Maine, a graduate of the College of William & Mary which recently conferred on her an honorary doctor of arts degree, where she endows a theater program. Linda was recently inducted into the Theatre Hall of Fame.
coming events
Linda Lavin Concert
December 10th 2016 - Private Event, Palm Springs, Ca. With Linda Lavin
Linda Lavin Concert
March 27th 2016 - Crest Theater, Del Ray, Fla With Linda Lavin
Linda Lavin Concert
March 28th 2017 - Crest Theater, Del Ray, Fla With Linda Lavin
Linda Lavin Concert
March 29th 2017 - Aventira Performing Arts Center, Aventura, Fla With Linda Lavin


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Celebrity bikini photos: Be inspired by the stars this summer
Summer is here and you know what that means – bikini season has officially arrived!
Whether you're lounging lakeside at a cottage or heading on an exotic summer holiday, you'll need to pack a stylish swimsuit – so why not be inspired by some of the most fashion-forward celebs?
Do you prefer chic one-pieces like Jessica Simpson or Beyoncé? Or are you a two-piece fan like Gisele Bündchen or Avril Lavigne? No matter what your preferred beach style is, HELLO! Online has got it covered.
HELLO! Canada magazine is available for your tablet and smartphone. Get HELLO! Canada, PEOPLE, Vanity Fair and over 100 more of the world's best magazines for one low monthly price at Texture by Next Issue. CLICK HERE to sign up for a free trial.