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New York Survey Reveals Credit Union Priorities
Reaching young adults, expanding field of membership and partnering with other cooperatives are expected to be the top priorities among New York's credit unions over the next three years, according to a new membership survey released Friday by the Credit Union Association of New York.
The CUANY online survey of 115 credit union leaders asked what would be their top three priorities over the next three years.
Seventy-five percent of credit union leaders said they will focus on young adults to keep and attract as members, while 42% said they will focus on expanding their field of membership.
"These responses validate our efforts to connect credit unions with tools and resources for reaching emerging markets," said CUANY President/CEO William J. Mellin. "From our statewide Young Professionals Commission to various outreach workshops, we'll continue to support New York credit unions in attracting and engaging young adults and other key groups."
About 35% of credit union leaders said partnering with other credit unions would be a priority over the next three years.
When asked to identify the most significant challenges facing credit unions over the next three to five years, 51% of respondents said the threat of taxation and 47% said regulatory burden/compliance-associated costs.
Marketplace competition (12 %) and aging membership/lack of young adult members (10%) were other common responses, according to the CUANY survey.
"When it comes to the issues they're most concerned about, I believe New York credit union leaders are very representative of their peers nationwide," Mellin said. "The 'Don't Tax My Credit Union' campaign is still a critical advocacy initiative of ours, as is working with NCUA and the CFPB to reduce unnecessary regulatory burden."
The survey also asked credit union leaders to identify the most significant opportunities that could positively impact the credit union movement over the next three to five years.
Twenty-nine percent of respondents said consumer dissatisfaction with banks and/or opportunities to build credit union awareness.
Potential loan growth (15 percent), technological advancements/opportunities (12 percent) and increased credit union cooperation/partnerships were other common responses among credit union leaders.
"Our industry is in a great position to engage consumers and tell the credit union story, particularly as more and more Americans are becoming less willing to settle for financial institutions that put profits over people," said Mellin. "Interestingly, the opportunities our credit union leaders mentioned most—from loan growth to technology to cooperation with one another—can all be connected to the primary opportunity of engaging consumers."
The online membership survey was conducted from Aug. 20 to Sept. 5. The survey respondents represented 39% of CUANY's total membership from every asset category and region throughout the Empire State.


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Adelaide Cheer EvolutionHealth & Fitness Health & Fitness School Holiday Activities
Unit 8, 5 Victoria Drive, Parafield Gardens, SA 5107 2-5 km from Salisbury North
My 2 girls are in their 4th year of cheerleading. Unhappy at their old club as their tumble skills weren't progressing past level 1 despite weekly tumble classes. We moved clubs to ACE and less than 9 months later my girls who are 7 and 11 are doing level 3/4 tumbling. Their coach Hannah has really shown them the way and my girls are thriving with new skills constantly happening!! They love it at ACE, have made awesome friends and really enjoy cheer and dance.
ACE is an amazing club to be at. The coaches are amazing at what they do, they're super friendly and have taught so many at the club new skills. Cheer has been great at building my daughters confidence and she's made so many new friends in such a short time.
My daughter has been doing cheerleading for 4 years now and have been with ACE for just over 12 months. The coaches here are so professional, patient and positive, they are constantly encouraging the children to be their best! We love the competitions, travel and the success we experience with this club and are so thankful we joined when we did. Competitive Cheerleading is a great sport with so many opportunities and Adelaide Cheer Evolution is the best team we've found.

subset: commoncrawl


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The FCC announced a formal
investigation into Comcast's controversial practice of "data
discrimination" in response to a flood of complaints from consumers
and Internet groups.
Last October, users discovered that Comcast employed a novel
implementation of traffic shaping against its subscribers, which
impersonated subscribers' machines in order to trick their P2P
software into disconnecting. While this form of traffic shaping met
Comcast's objectives – to control the massive bandwidth sink that
results from illegal P2P use – it also affected legitimate P2P
users, as well as unrelated services, like the network features in
Lotus Notes.
User suspicion eventually culminated into an investigation by the
Associated Press, of which the results were
released last October. Shortly afterwards, testing at the
Electronic Frontier Foundation reached a similar conclusion, and as a
result released the "Test
Your ISP" project – allowing users to see for themselves
whether or not their ISPs implemented similar practices.
At the heart of the matter is whether or not Comcast's "data
discrimination" is permissible under the FCC's guidelines of
"reasonable network management," and whether or not the practice
is a violation of the current rules on network neutrality and service
availability. Speaking Tuesday at CES in Vegas, FCC Chairman Kevin
Martin told consumers that the FCC will "investigate" the matter
in order "make sure that no consumer is … blocked."
"The question is going to arise: Are they reasonable network
practices?" said Martin. "When they have reasonable network
practices, they should disclose those and make those public."
Comcast's PR team was caught off-guard by the initial turn of
events in October, as even after the practice was outed by the
Associated Press, Comcast continued to deny any kind of
manipulation. However, facing the wrath of an increasingly
angry Internet mob, Comcast's tune quickly changed to a coy
comparison of its actions with that
of a busy signal, like one hears over landline telephones.
Complicating an already messy situation, a California man filed
a class-action lawsuit against Comcast last November. In it,
plaintiff Jon Hart accused Comcast of breach of contract, as well as
violating the Covenant of Good Faith and Fair Dealing, the Business
and Professions Code, and the Legal Remedies act by throttling
bandwidth and "transmitting unauthorized hidden messages" to
subscribers' offending software.
"Comcast plans to work with the Commission in its desire to
bring more transparency for consumers," said Comcast executive VP
David L. Cohen. "We do disclose in our terms of use our right to
manage our network for the benefit of all customers."


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Top 10 Home Staging Tips
With all the competition in today's marketplace, professionally staging your home has never been more important. Here are some top tips from Sure Fit on how to beat your competition and allure the attention of buyers. 1. Consider curb appealYou may not have the funds for a professional landscaper, but homeowners should make sure lawns are freshly mowed, leaves raked, and paths cleared. Scrub the front door, porch, railings and steps, pick up a new mailbox and welcome mat, and add a fresh coat of paint where needed. Add seasonal potted plants and a bench to the entryway to welcome visitors into a clean, fresh and relaxing space.2. Forgo Family PhotosYou may consider it the crown jewel of the living room, but future buyers will see outdated family photos as years of wear and tear. Clear the room of family portraits and other items that say "you don't live here" to potential buyers.3. What Once Was Old, Should Be Newly Slip-coveredNo need to splurge on new furniture and home assets when your budget is already tightened up, especially in the midst of a move. Cover up outdated, worn and loud furniture with neutral colors. Even coordinating your curtains and dining room sets can make your home décor look like new.4. Rearrange RefreshArrange the room in a conversational way. You may have preferred for every piece of furniture to face the television, but potential buyers will appreciate more of an open room vignette.5. Kitchen Clean-UpKitchens play a big part in home resale value, so make sure buyers are impressed. Spend extra time scrubbing, cleaning and de-cluttering, and make sure counters are clear of appliances. Re-stain shabby cabinets, replace any mismatched hardware, add fresh cut flowers, turn on lights and open curtains for a clean, bright and attractive gathering space.6. Let in Some AirKeep stuffiness and odors at bay by opening windows for at least 10 minutes prior to showing. Go easy on the air freshener, but bring in fresh cut flowers for a natural look and smell.7. What's Behind Door #3?While shoving everything into a closet has been your go-to cleanup plan since your teen years, potential buyers will undoubtedly look behind every door in your home. Keep bedroom, linen closets and storage spaces neat and tidy to avoid any embarrassing surprises.8. Scrub Until it SparklesClean bathrooms until they look like the model sets at Home Depot. Signs of use, like soap scum and toothpaste stuck to the sink, will turn buyers off. Replace any outdated fixtures with sleek and modern ones, and add fresh cut flowers to help with aroma and appearance.9. Sleep TightKeep bedrooms neutral, comfortable and spacious. Buyers want to picture themselves relaxing here, so use soft colors, light scents and earth tones to "set the mood." Make bedrooms appear larger by limiting items in the room to a bed, dresser and small seating area for the Master Bedroom. Update any outdated bedding and use a lavender oil diffuser to keep relaxation a priority here.10. Better BackyardOutdoor living spaces have become exponentially more important to potential buyers. Treat your back deck or patio like any other room in your home. Scrub down patios, touch up worn fences and banisters, and make sure your yard is free of clutter. A few decorating touches can make your space much more than just a "backyard." Cover a worn picnic table with a bright tablecloth and replace worn chair cushions with new ones.
Reprinted with permission from RISMedia. ©2014. All rights reserved.


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WeatherTech Window Deflector 81284
- Our Price: $55.00
- Shipping:FREE SHIPPING
- Part Number: 81284
- Rating: (672)
$55.00Free Shipping
Select your vehicle details above to ensure item compatibility.
- Bring peace and quiet back to your open-window drives with WeatherTech Window Deflectors
- Get fresh air without letting in rain or annoying wind noise
- Strong acrylic material resists impacts
- Custom designed to your vehicle for perfect fit and no-drill installation
- Choose Light Smoke or Dark Smoke finish
- Limited Lifetime Warranty
WeatherTech Side Window Deflectors give you the freedom to open your windows without getting assaulted with wind noise or rain. These German-crafted Deflectors let stuffy air out of your vehicle and bring the fresh air in, maximizing your heat/AC efficiency and making yours a more comfortable ride. You can even leave your windows open a crack during those long, hot summer days without fear of rain getting in.
WeatherTech makes your Side Window Deflectors to look as great as they perform. Their smoked acrylic plastic comes in Light or Dark Smoke finishes to fit your style. The acrylic plastic is also a high-impact material that holds up to kicked up rocks and bugs. For further protection the acrylic is UV-treated to resist discoloration and other damage from the Sun's harmful rays.
Your Side Window Deflectors are completely custom-designed to your make, model, and year vehicle. A super-thin window-channel mounting flange is all that's needed for installation, so you don't need to do any drilling or modifications. In just minutes you'll have great protective Window Deflectors with a perfect fit, great looks, and performance to boot. Best yet, WeatherTech backs them with a Limited Lifetime Warranty.
WeatherTech 81284 fits:
- 2001-2006 Chrysler Sebring
- 2001-2007 Dodge Stratus
There are no reviews for this application.
See All WeatherTech Window Deflector Reviews.


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This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Cross-National Data Analysis Learning Package (ICPSR 5701)
Principal Investigator(s): Banks, Arthur S.
This study contains cross-sectional data on the economic, political, and population characteristics of 108 independent nations in the period 1961-1970. Also included are limited longitudinal data for 60 nations in the period 1919-1970. The dataset was developed to introduce students to cross-national political data analyses. Economic variables provide information on the gross national product (GNP), government revenues and expenditures, foreign aid, imports and exports per capita, each nation's proportion of world trade, defense and educational expenditures as percentage of the GNP, energy, electric, steel, and cement production and consumption per capita, and the percentage of the workforce in industry and in agriculture. Data on political regimes and systems include the type of regime, effectiveness of the executive and legislative branches, size of the legislature, polyarchy index of democratic performance, press freedom, political and civil rights, number of coups d'etat, major constitutional and cabinet changes, legislative elections, and dates of independence. Population characteristics variables include population density, urbanization index, internal security forces and the size of the military as proportion of the adult population, and infant mortality rate as proportion of live births. Demographic variables include religion, ethnicity, literacy, and languages.
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
Study Description
Banks, Arthur S. Cross-National Data Analysis Learning Package. ICPSR05701-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 1999. https://doi.org/10.3886/ICPSR05701.v1
Persistent URL: https://doi.org/10.3886/ICPSR05701.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- National Science Foundation (GY-9343)
Scope of Study
Subject Terms: economic conditions, instructional materials, political systems, population characteristics, world politics
Geographic Coverage: Afghanistan, Albania, Algeria, Argentina, Australia, Austria, Belgium, Benin, Bolivia, Brazil, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Central African Republic, Chad, Chile, China (Peoples Republic), Colombia, Costa Rica, Cuba, Cyprus, Czech Republic, Democratic Republic of Congo, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Ethiopia, Finland, France, Gabon, Germany, Ghana, Global, Greece, Guatemala, Guinea, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Iran, Iraq, Ireland, Israel, Italy, Ivory Coast, Japan, Jordan, Laos, Lebanon, Liberia, Libya, Luxembourg, Madagascar, Malaysia, Mali, Mauritania, Mexico, Morocco, Myanmar, Nepal, Netherlands, New Zealand, Nicaragua, Niue, North Korea, Norway, Pakistan, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Romania, Saudi Arabia, Senegal, Slovakia, Somalia, South Africa, South Korea, Soviet Union, Spain, Sri Lanka, Sweden, Switzerland, Syria, Taiwan, Thailand, Togo, Tunisia, Turkey, United Kingdom, United States, Uruguay, Venezuela, Vietnam (Socialist Republic), Yemen, Yugoslavia
- 1919--1970
Universe: A total of 108 independent nations in the period 1961-1970, including 60 of the nations that were independent during the period 1919-1970.
See also the related collection, DOMESTIC VIOLENCE TEACHING PACKAGE, 1955-1964 (ICPSR 5702).
(1) State University of New York, Binghamton, Center for Comparative Political Research, Cross-National Time-Series Data Archive, and (2) Taylor, Charles L., and Michael C. Hudson. WORLD HANDBOOK OF POLITICAL AND SOCIAL INDICATORS. New Haven, CT. Yale University Press, 1972.
Original ICPSR Release: 1984-05-04
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BBB Accreditation
BBB Accredited Business since 01/01/1952
Christian Record Services, Inc.
Phone: (402) 488-0981
BBB Business Reviews may not be reproduced for sales or promotional purposes.
BBB has determined that Christian Record Services, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Christian Record Services, Inc. affirms that it meets and will abide by the following standards.
|Build Trust
Establish and maintain a positive track record in the marketplace.
An accredited business or organization agrees to:
|Advertise Honestly
Adhere to established standards of advertising and selling.
An accredited business or organization agrees to:
|Tell the Truth
Honestly represent products and services, including clear and adequate disclosures of all material terms.
An accredited business or organization agrees to:
|Be Transparent
Openly identify the nature, location, and ownership of the business, and clearly disclose all policies, guarantees and procedures that bear on a customer's decision to buy.
An accredited business or organization agrees to:
|Honor Promises
Abide by all written agreements and verbal representations.
An accredited business or organization agrees to:
|Be Responsive
Address marketplace disputes quickly, professionally, and in good faith.
An accredited business or organization agrees to:
|Safeguard Privacy
Protect any data collected against mishandling and fraud, collect personal information only as needed, and respect the preferences of customers regarding the use of their information.
An accredited business or organization agrees to:
|Embody Integrity
Approach all business dealings, marketplace transactions and commitments with integrity.
An accredited business or organization agrees to:
BBB Accreditation Reviews
- BBB routinely monitors its files on Christian Record Services, Inc. to affirm that Christian Record Services, Inc. continues to meet all BBB Accreditation Standards.
BBB Accreditation Process
In order to be eligible for Accreditation a business must complete an Accreditation application.
Upon receipt of a fully completed BBB Application for Accreditation, BBB staff:
- Reviews the application
- Researches the business
- Verifies the information presented in the application
- May request additional information
- May request proof of specific information on the application
Once BBB has finished its evaluation, the application for BBB Accreditation is either approved or denied. If approved, BBB will then process the Accreditation fee and the business will be listed as Accredited. If denied, BBB will contact the business indicating the BBB Standard(s) that were not met and the steps available (if any) that the business must make.


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NuVision Touts Interest Savings in 2013 Campaign
The 75,000 members of the $1.2 billion NuVision Federal Credit Union in Huntington Beach, Calif., have saved $3.5 million so far this year in interest on mortgage, auto and credit card loans by refinancing existing loans with the credit union, NuVision announced.
The credit union announced the Switch and Save Challenge in January, and pledged to save members $26 million in loan interest in 2013.
The credit union added a loan calculator on its website that members and non-members can use to determine what they could save by refinancing.
"This is a great program that has really inspired our members to take action," said L.J. Tarman, NuVision's vice president of marketing.
"Members are taking advantage of NuVision's low interest rates by refinancing their existing home loans, car loans and credit cards. Our goal is to help our members save $26 million on loans they already have. The best part is that everyone is eligible for membership," Tarman said.


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All across the West they stand forlorn and forgotten. Many have tumbledown roofs, sagging walls, gaping doors. Yet these modest 10-by-12-foot homestead cabins represent a revolution in public-land policy, an American dream born of Thomas Jefferson's belief that we should become a nation of farmers.
This year marks the 150th anniversary of the 1862 Homestead Act, the federal law that changed the West forever and provided a new start for urban emigrants, immigrant families and single women.
I grew up on a former homestead in southeast Colorado of 160 acres, a rectangle bisected diagonally by the Amity Ditch. I attended high school on the High Plains, the short grass prairie of songbirds, raptors, jack rabbits, grama grass, and a view as far as the eye can see. Farms and ranches across Colorado, Wyoming, Montana and New Mexico had all been homesteaded as were farms in the Dakotas and eastern Oregon and Washington.
This year the Homestead Act, passed by Congress during the Civil War, celebrates one of the great private land opportunities in world history. Only a young, brawny nation such as the United States would give away free land.
Congress realized Jefferson's dream when it voted to provide 160 acres, a quarter section, of free land. The stipulations: You must live on it for five years, plant crops, and build a 10-by-12 cabin to "prove up" your claim. In the American West, 57 percent of homesteaders made good on their claims for 600,000 patents on 80 million acres of what had been public domain. The lure of free land drew Americans in covered wagons. European immigrants crossed oceans and took railroads west. Peasants had no hope of acquiring acreage in countries controlled by kings, but in the United States, land beckoned.
We remember President Abraham Lincoln and his leadership during the Civil War, but signing the Homestead Act is a close second. Said Blake Bell, historian at the Homestead National Monument of America in Beatrice, Neb., "Lincoln's 'second legacy' transformed the U.S. and the world as millions of lives were forever impacted by the government's distribution of free land." When settlers finally got their patent, proving the land was theirs, the document read: "THE UNITED STATES OF AMERICA, To all to whom these Present shall come, Greeting." For each patent, the president of the United States signed "in testimony whereof."
A remarkable feature of this uniquely American law was its openness. The law did not require that homesteaders be American citizens, or even that homesteaders be men. Any adult could take up free land in the West, and dozens of single mothers tried their hand at homesteading.
The Homestead Act was wildly popular. Over the decades, different versions of the law would be passed such as the Timber Culture Act (1873); the Desert Land Act (1877); The Enlarged Homestead Act of 1909, a stockgrazer's law where ranchers, primarily sheepmen, could own the surface, but the federal government kept the minerals; and even a special homestead law for World War I veterans.
Under the Timber Culture Act, families received 320 acres if they planted one-fourth of it in trees. Over 65,000 claimants did so and patented a whopping 10 million acres. Ranchers received twice that acreage, or 640 acres, for the Desert Land Act once they paid an initial 25 cents an acre, irrigated part of it, and within three years paid $1 an acre. The Timber and Stone Act (1878) permitted the purchase of 160 acres of forest land for $2.50.
Of course, fraud flourished. Conniving ranchers who knew they could control thousands of dry acres sent their cowboys to homestead key springs and land along streams, creeks and rivers. Once the homestead became patented or passed into private ownership, the ranchers quickly paid off their cowboys and quietly urged them to move on. Tales are told of homesteaders swearing on the Bible that they had built their 10-by-12 cabin, without admitting that it was only 10 by 12 inches instead of feet. Brothers sought adjoining claims and thus built their cabins to straddle 320 acres instead of in the center of 160 acres.
Between 1862 and 1934, when the Taylor Grazing Act greatly diminished homesteading, millions of acres of public land became private. But not without hardship. Many folks failed, although 4 million land grants averaging 160 acres were made in 30 states.
Most of the homesteads have long since been incorporated into larger farms or ranches. Scattered log cabins or adobe houses of the original homesteaders dot the American West. Sometimes even the cabins are gone and the only proof anyone lived there are aged elm or apple trees or heirloom rose bushes. So it was exciting for me to find in the Wet Mountain Valley against the east side of the Sangre de Cristo Mountains, a family who still owns their ancestors' original homestead of 160 acres – no more, no less.
This Colorado Centennial Farm with wildlife, willows, creeks and aspen groves represents five generations of consecutive family ownership since Moritz and Matilde Brandenburg homesteaded the ground in 1880. Their land patent was signed by President Chester A. Arthur. Each year, a dozen cow elk come down to a sheltered pond to calve.
Great-great-grandson John Brandenburg explained, "The ground here was like it was in Germany – loamy soil, river-bottom land. It was tough times to homestead. My parents almost lost the place during the Depression in the 1930s when you couldn't find a dollar."
Though the homestead log cabin had been enlarged with five more rooms, we sat in the original cabin on a comfortable couch. A vintage 1941 Warm Morning wood/coal cookstove took the chill off the room. Children were born in the house and attended the 1889 Willows School, a one-room building a mile down the road. As late as 1979, the home had no electricity or running water.
A Korean War veteran, Brandenburg left the Wet Mountain Valley to find work. "We could have eked out a living, but you have to go outside the valley to make money," he added.
While thousands of homestead families sold their claims and moved on, the Brandenburgs hung on. John smiled through his thick gray mustache and said, "Realtors have come by and I've said, 'what part of 'no' do you not understand?'"
Now, the land is under a conservation easement held by the San Isabel Land Protection Trust, which safeguards sweeping views of the Sangre de Cristo range, white now with the first snows of autumn. Brandenburg and his son Ken hope to keep their property in the family for more generations. Ken told me, "It's our refuge," and when they host reunions, a hundred relatives picnic on the lawn.
The homesteading legacy endures. Though forlorn cabins, roofless against winter winds, stand empty, those simple structures represent success for families and the one key law that settled the West.
firstname.lastname@example.com. Andrew Gulliford is a professor of history and environmental studies at Fort Lewis College.


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must be what hundreds of veteran internet developers are saying since
Microsoft is finally taking interest in embracing advanced web
technologies. After all, such technologies were typically
driven by browsers with scant market share like Google
Chrome or Opera, while Internet Explorer, the world's most used
browser lagged far behind. That meant that it was impractical
for companies to take full advantage of the latest internet
technologies, as few customers could actually use them.At its
annual Mix conference Microsoft showed that would change, unveiling
a demo build of Internet Explorer 9, the successor to the
widely used IE
7 and IE 8. The demo included support for a host of HTML5
features; among them were h.264 embedded video (the kind that Google
is using to trial HTML5 versions of YouTube) and embedded audio (with
support for MP3/AAC codecs).Microsoft is also supporting
scalable vector graphics (SVG), an XML-driven webpage technology
that's another hot topic. SVG allows rudimentary drawings of
things like lines or shapes. In that respect, it's similar to
some of the capabilities of Adobe's Flash. With both SVG and
HTML5 rendering, Microsoft is actually using DirectX
video acceleration via the Direct2D API. This means that
Microsoft may actually be beating Google and others when it comes to
these advanced standards, in terms of performance and speed.Another
important technology that Microsoft is supporting with IE 9 is CSS3.
Cascading style sheets (CSS) allow you to tweak your webpage
presentation (how pretty your fonts look) by simply tweaking style
variables. Among the CSS3 features inside IE 9 are Selectors,
Namespaces, Color, Values, Backgrounds, Borders, and
fonts.Microsoft is also packing a faster Javascript engine
under the hood of IE 9. In tests, the new engine is rather
respectable -- about as fast as Firefox's script engine. It
still lags behind the Opera and Webkit (Google and Apple) engines,
but it's not even a release build yet, so that's pretty respectable
performance nonetheless.But the best part of Microsoft's
announcement is that you can try the browser for yourself. It's
available for download in preview form here.
Beware the preview is only geared at developers and there's no
address bar (you have to go to the "Page" menu for
that.And another word of warning -- IE 9 won't
support Windows XP, though. That's really not that
surprising if you think about it, but it may be a bit of a shock to


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Protection through education
One of the best ways to protect children from dangers like trafficking, child labor, and early marriage is to educate them, keeping them in school rather than on the streets. In India, World Vision's drop-in centers are designed to do just that: opening the door to mainstream schools.
Here are the stories of two children – Naina, 7, and Ankit, 6 – who found their way into formal education through these drop-in centers.
Life was not easy for Naina and her family. Naina's father traded her and her siblings for a new life and new family in Delhi. Abandoned and left to take care of six children, Naina's mother, Shoba Devi, had nowhere to go except for her parent's home in the slum settlements of Patna.
With survival being their priority, Shoba started working as a casual laborer. Her children's education didn't take precedence in Naina's home. Naina was free to run her life and do what she wanted.
"She used to say 'I don't need to go school now. I will go to school when I am big.' Such children have no direction in life, as there is no one to guide them,'" says Abul Jais, a World Vision volunteer.
When World Vision initiated a drop-in center nearby, children were counseled about the importance of education and encouraged to join the center.
Naina was one of them.
To help with the family's income, World Vision enrolled Naina's mom, Shoba, in a six-month cutting and tailoring course.
Now she is able to work from home and earn while taking care of her children. She is now confident that she can provide for her family without her husband supporting her.
"Before World Vision came, the children just roamed around and never went to school," says Rukmini Devi, Naina's grandmother. "Education was not given importance. Children didn't know how to hold a pencil. Their guardians just left them unattended and went off to work. But now, after the drop-in center was started, things have changed. The World Vision volunteers take special care in gathering these children, counseling them, and providing basic education. The children get good knowledge and then World Vision enrolls them in school. They encourage the poor and provide means of employment for those who are struggling to find sustainable jobs. They empower women. There is relief in our families and community after World Vision has come."
For seven-year-old Naina, education now is very important.
"If this center was not there, I wouldn't be able to study. When I become big, I will be a doctor," she says.
World Vision volunteers first spotted Ankit, now six, when they were conducting a survey of the Patna junction area of how many children did not attend formal school. Ankit was five then. He used to roam around the streets aimlessly and never understood the importance of education.
Working as a fruit seller, his father, Bitoo Kumar, made just enough money to survive. Education took a back seat in their house. Even if Ankit's parents wanted him to go to school, they couldn't afford to provide study material, which was a pre-requisite for children attending formal school.
"When we first saw Ankit, he was five and was not attending school. Survival and feeding their stomach was of prime importance for his family. Education wasn't a priority. Even if the family wanted to send Ankit to school. They had no money to provide study material like books, dress, and stationery," says Sanjeev, a World Vision volunteer.
After extensive counseling, Ankit started coming to the drop-in center initiated by World Vision. Not used to sitting in a classroom for long durations, he initially ran out many times. But once play material became part of the drop-in center, Ankit couldn't resist staying away. One hour every day was designated to playing games like carom board and ball games. Happy and motivated, Ankit has started coming regularly to the center to learn basics.
World Vision volunteers have also mainstreamed him into formal school. He is now studying in Grade 1.
* * *
Currently, the drop-in center has enrolled 278 vulnerable children – mostly school drop outs, child laborers, street children, runaways, and orphans – into formal schools.
These centers also serve as a launching pad for longer interventions like de-addiction services, vocational training, and health-care. World Vision provides study materials for the children to give them an extra push into education, as most of the families cannot afford these supplies.
A sponsored child is a protected child: less likely to be trafficked, forced to work, or to drop out of school. Help protect a child today: Sponsor a child in India!


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Published: March 5, 2013 - 11:55 AM
Cleveland Browns 2018 NFL mock draft roundup: Wyoming's Josh Allen at No. 1 overall?
Cuyahoga Falls man apparently kills himself during standoff
Bride-to-be claims Medina photographer fat shamed her
Browns notebook: After being fired by Titans, Mike Mularkey linked to Cleveland's offensive coordinator job
Longtime Browns special teams coordinator Chris Tabor reportedly leaving to fill same role for Chicago Bears
Former pastor says Angley abused him
What happened to Roberta Bobby Snider? Hartville womans body missing after husband said she died during trip to Elvis Graceland
Firestone mansion catches fire


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When fatty acids such as EPA are present in the body, it becomes a precursor for hormone-like agents known as eicosanoids.* These help regulate fundamental processes such as cell division and growth, blood clotting, muscle activity, secretion of digestive juices and hormones, and movement of substances like calcium into and out of cells.*
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|6 mg
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(Omega 3)
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text:
Sasuke might activate his Rinnegan, but like the Madara (pre-impure world) he won't be able to use it either. The Rinnegan drains the life force of the user. That's why Madara gave to Nagato who is an Uzumaki. Nagato died looked older than Jiraiya, who was a lot older.
Everyone to ever use the Rinnegan had a Senju/Uzumaki powerup:
--The Sage of Six Paths "evil" son inherited the eyes of the Sage but he still had the same DNA as his brother.
--Nagato is an Uzumaki. Shouldn't need to explain that one.
--Tobi/Obito is half Zetsu. Zetsu is made from Senju DNA
--Impure world Madara has the face of Hashirama Senju growing out of his shoulder.
Sasuke can possibly awaken the Rinnegan but he won't be able to use it without a Senju/Uzumaki powerup... Sorry


text:
Nintendo recently overtook Sony in market share as the
company became one of the 10 most valuable companies in Japan. The
Nintendo Wii continues to consistently outsell the
PlayStation 3 in all markets, even though Sony has eight times more revenue
"Nintendo's strength is its ability
to create a new market," said Takeshi Koyama, Mizuho Securities Co.
Nintendo sold 338,000 Wii consoles on the U.S. market in May, compared to just
81,600 PlayStation 3 consoles sold by Sony. Microsoft sold 154,900 game
consoles in the same time period. To help further boost U.S. sales in the
future, Nintendo announced plans to relocate its U.S. marketing and public relations
sector to Silicon
Valley and New York.
So far this year, the Wii outsold the PS3 2 to 1 on the U.S. market and 3 to 1
in Japan, according to NPD and Enterbrain.
Sony hopes to boost PlayStation 3 interest by promising at least 380
new PS3 titles this fiscal year -- boosting the game catalog to at least
500 titles. Along with the higher price tag than the Wii, a lack of
appealing games is another reason cited for poor PS3 sales.
"We want to meet market expectations with expansion of our DS and Wii
sales," said Ken Toyoda, Nintendo spokesman.
Joining the top 10 valuable lists catapults Nintendo into the ranks of companies
such as Toyota, Honda and Canon.


text:
Web Conferencing Archive
AT&T Announced the Launch of Motorola Atrix 4G!
February 4, 2011
A few days back I came to know about Android phones, and I was amazed with the features which an Android phone provides to its users. Hang on guys, Android was the most talked about stuff during the International Consumer Electronics Show 2011 (CES11), which means that the Android mobiles are the most happening features


text:
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text:
This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Historical, Demographic, Economic, and Social Data: The United States, 1790-1970 (ICPSR 3)
Principal Investigator(s): Inter-university Consortium for Political and Social Research
Detailed county and state-level ecological or descriptive data for the United States for the years 1790 to 1970 are contained in this collection. These data files contain extensive information about the social and political character of the United States, including a breakdown of population by state, race, nationality, number of families, size of the family, births, deaths, marriages, occupation, religion, and general economic conditions. Though not complete over the full time span of this study, statistics are available on such diverse subjects as total numbers of newspapers and periodicals, total capital invested in manufacturing, total numbers of educational institutions, total number of churches, taxation by state, and land surface area in square miles.
Series: Census of Population and Housing, 1790-1950 [United States] Series
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
WARNING: Because this study has many datasets, the download all files option has been suppressed, and you will need to download one dataset at a time.
Study Description
Inter-university Consortium for Political and Social Research. Historical, Demographic, Economic, and Social Data: The United States, 1790-1970. ICPSR00003-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 197?. https://doi.org/10.3886/ICPSR00003.v1
Persistent URL: https://doi.org/10.3886/ICPSR00003.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- National Science Foundation. Research Applied to National Needs (GS-1435, GS-1435A1, GS-1231, GS-2473, and APR75-01320)
Scope of Study
Subject Terms: census data, counties, demographic characteristics, economic conditions, eighteenth century, families, historical data, marriage, national identity, nineteenth century, occupations, political change, population, population size, religion, states (USA), twentieth century
Geographic Coverage: United States
- 1790--1970
Universe: The Population of the United States from 1790-1970
(1) This study has been updated and revised as HISTORICAL, DEMOGRAPHIC, ECONOMIC, AND SOCIAL DATA: THE UNITED STATES, 1790-2000 (ICPSR 2896). ICPSR staff recommends that, for most purposes, researchers use the updated version istead of ICPSR 0003
(1) United States Bureau of the Census decennial census reports, and (2) SURVEY OF CHURCHES AND CHURCH MEMBERSHIP, 1952
Original ICPSR Release: 1984-07-06
- 2005-12-22 All files were removed from dataset 35 and flagged as study-level files, so that they will accompany all downloads.
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text:
The HTC
EVO 4G and Droid
2 may be the current hot topic among Android enthusiasts,
but the HTC Glacier is bound to be heating up discussions in the near
future as well. The mysterious handset was first
noticed on the GLBenchmark
website, which allows Android users to test their CPU speed and
upload the results.The results show the mysterious phone
scoring approximately three times the performance of the EVO.
Those results have led many to speculate that the mysterious handset
may be the first of many multicore Android devices to
come. Qualcomm aired
a dual core ARM processor (the 1.2 GHz dual-core Snapdragon
variant) earlier this year, and announced plans to produce ARM
quad-core processors by 2013. HTC has made heavy use
of Snapdragon CPUs in its Android portfolio in the past, so this
seems a likely candidate for the device's CPU.The hot HTC
Glacier's benchmarks were posted by a user "mbibick" whose
real names is Mike Bibik. Mr. Bibik lives in Seattle and works
at T-Mobile, according to his LinkedIn
page.As Mr. Bibik likely has access to advanced T-Mobile
handsets, many are speculating that the Glacier is actually "Project
Emerald", T-Mobile's rumored upcoming dual-core Android device.
All his past tests have been of T-Mobile handsets. The testing
results for the HTC Glacier have been pulled since the story first
aired, possibly at T-Mobile's request.The new device has an
800x480 pixel screen, according to the original testing
post.Despite having a dual core processor, it is worth noting
that the performance is not much higher than that of Samsung's
stellar 1 GHz Hummingbird CPU found in its Samsung
Galaxy S (aka. Fascinate, Captivate, Vibrant, etc.) Android
handset. That said, it blows away Qualcomm's past offerings.


text:
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The Daily Vet is a blog featuring veterinarians from all walks of life. Every week they will tackle entertaining, interesting, and sometimes difficult topics in the world of animal medicine – all in the hopes that their unique insights and personal experiences will help you to understand your pets.
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text:
Breast cancer is the second most common type of cancer (after lung cancer), and kills over half a million people worldwide annually.
While medical diagnostic technology has advanced rapidly over the last few decades, over 80% of breast cancer cases are first discovered by a woman or her partner, typically by finding an abnormal lump that feels different from the surrounding breast tissue. This must be followed up by a mammogram in order to objectively confirm the diagnosis and begin treatment. As most cancer types, the earlier the cancer is detected, the higher the chances of a successful recovery.
A new device has been invented by Dr. David Watmough could help millions of women avoid debilitating mastectomies, chemotherapy, or even death. The Breastlight works by shining powerful red LEDs through the breast, allowing women and their partners to see what is normal for their breasts and identify changes over time. They will be able to see veins and other blood vessels as dark lines in their breasts. Regular inspections could reveal dark spots, a possible signal of the growth of new blood vessels which feed cancerous tumors.
The Breastlight has already helped at least one woman during trial. Dorothy McCormick, a former nurse, was one of the first women to try the device. The 57-year-old grandmother had initially gone to her doctor due to pain in her left breast. The doctor diagnosed it as mastitis, or inflammation of the breast tissue. Antibiotics were prescribed to her, but the pain persisted. She heard through a friend of the trials for the Breastlight and decided to try it out.
"In my left breast it showed up small dark areas which suggested there could be new blood vessels growing," stated McCormick. She returned to her doctor and insisted on a mammogram and biopsy, which confirmed she had a 2cm tumor. Another patient was reportedly able to see her tumor receding as she went through treatment.
Development of the Breastlight was funded by a £2million (~$3 million USD) investment by PWB Health, a British firm. The company states that the Breastlight is intended to be used as part of an ongoing breast awareness routine, and aims to help women become more familiar with how their breasts look and feel. It is not intended to replace a clinical breast examination or mammogram, but instead serve as a "valuable personal aid that supports and encourages women to be breast aware".
The Breastlight has been used by women in the United Kingdom since November 2008.
The company claims that results have been extremely favorable with women that have large or lumpy breasts who find self-examinations of their breasts difficult. Most have found that the device is easy to use and has become a part of their regular breast awareness routine. It gives them more confidence when they are checking their breasts, since many are unsure whether to report any lumps that they may find.
A study of 1,087 women conducted in July 2008 and commissioned by PWB Health assessed how the Breastlight was being used by women and how it affected their attitude to breast awareness and breast screening. Approximately 80% of those women reported that they were more confident in their breast self-examinations after using the Breastlight. Of the 1,087 women, 14 (1.3 per cent) consulted a doctor because they were concerned by the outcome of their breast self-examination. Of that number, three had follow-up mammograms, one of whom was McCormick.
The Breastlight has recently gone on sale in Canada at Rexall Pharmacies for $150 CAD. Sales in the US are currently in the negotiation stage.


text:
future of energy is now, says Bloom Energy. At a press
conference today, it unveiled its surprisingly small fuel cell
"solutions" boxes. The so-called "Bloom Energy
Servers" – which are about as tall as an adult male – can
use virtually any hydrocarbon fuel (methane, propane, ethanol,
gasoline, liquified coal) and produce energy twice as efficiently as
a coal plant. Bloom Energy is trying to revolutionize the power
generation industry – the key is cutting out the middle-man (power
transmission) and embracing a modular design akin to servers, the
backbone of the internet.The company's fuel cell boxes are
composed of ceramic (sand derived) discs and special ink. It
attention earlier this week when it was featured on the CBS news
program 60 Minutes. While many alternative energy
startups have struggled to find financial backers, it already has
publicized major support from some of the tech industry's biggest
names -- Google, eBay, Fedex, Staples, and Walmart.Today, the
company held
a special event to share the important details of its long
secretive energy technology with the public. At
the event it announced that its fuel cell generators emit 60 percent
less carbon per unit energy than a traditional coal power plant.
And unlike a coal power plant, the power is produced on site so there
are no grid losses. The whole process can be carbon neutral if
the hydrocarbon source is an organic such as algae or switchgrass
ethanol (as opposed to fossil fuels).K. R. Sridhar, the
ex-NASA researcher who founded the company says that he initially
developed the technology to power Mars colonies, but in the end it
proved too compelling not to offer on Earth. He states, "After
spending a decade of working on this, I had to look back at our first
home. While I was dreaming about Mars and our colonies, historically
unprecedented things had happened on Earth. For me, it was
really a composite image of... a bright world and a dark world. It
was the image of the world of haves and the world of have nots. Those
who had the opportunity for economy growth and those who were denied
that."He said the company was founded to provide the two
billion people worldwide without access to affordable power a new,
affordable energy source.The result he obtained was a fuel
cell that went from "powder to power" and was "twice"
as efficient as traditional power plants due to the on-site scheme
eliminating grid losses. In his designs, a single fuel cell
disc produces 25 W; a "stack" composed of multiple cells
produces 1 kW; a "module" produces 25 kW; and a
corporate-ready "system" produces 100 kW. A corporate
"solution" (consisting of several Bloom Energy Servers or
"systems") supplies up to 1 MW of power. The
power is continuous and flexible, unlike solar or wind energy.
As Mr. Sridhar describes, "This is not when the sun shines, this
is not when the wind blows... that's how this little piece of sand is
different than what's been done before.""The real
flesh of Bloom Energy's plan, though, is its planned consumer debut
which will be carried out over the next few years. Bloom aims
at providing consumers with $3,000 units that will produce enough
power to support the average home at minimal fuel cost. It
plans to push the power generation industry towards the same model
that made the internet so fabulously successful -- server-based
scaling. In fact, it refers to its products as energy "servers"
-- entirely flexible, modular power units.The units (of any
size) pay back their cost within 3 to 5 years and they will operate
efficiently for 10 years (at which point they would presumably be
serviced with new catalyst material, i.e. new fuel cell discs).At
the event Bloom Energy mentioned several more big backers --
Coca-Cola, Bank of America, Cox -- that
have embraced the company's power generators [PDF]. Many of
these backers -- including John Donaho of eBay, Bill Simon of
Walmart, Brian Kelly of Coca-Cola, and Google's Larry Page – spoke
at the event expressing their wild enthusiasm for Bloom Energy's
delivery. Describes Donahoe, "It was almost too good to be
true."With that kind of corporate support, it's hard not
to buy in to the hype. One thing that Bloom Energy did not note
was that most of the adoption thus far has been in California where
tax breaks could discount the Bloom Energy Servers by as much as 20
percent. With an additional 30 percent federal tax break for
"green" investments, the costs could be cut even further.
Still, even without tax breaks, if the company's payoff numbers and
reliability are as good as it says, the units could enjoy market
success. If that's true, that's great news for the startup and
a rarity in this business segment.There are still some
unresolved questions, however. What exactly is the secret
"colored inks" that Bloom Energy paints its cells with and
are so great at catalyzing the production of energy from hydrocarbon
fuels? Bloom Energy still hasn't revealed the formula (perhaps
it's patent pending). Still, it today offered a lot more
details on its big corporate backing, its efficiency numbers, and its
plan for consumer rollout. It's definitely going to be a fun
ride watching this one in years to come.


text:
Coverking SilverGuard Car Cover CVC6E62LX7086
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text: I think Val will start off next year in a similar way to how Enes Kanter is progressing. Although, Kanter is struggling with his shot he's contributing in rebounds and other ways. He'll eventually get his offensive game back to his norm, I see Val doing the same. He'll struggle against stronger NBA centers at first but his length and athleticism will help him get rebounds and FT's.


text:
This is the exercise bike and video screen that simulate riding a mountain bike through outdoor courses. Users pedal and steer the bike to control a computer-generated cyclist on the 17" color LCD monitor and compete against other virtual cyclists on one of 80 outdoor courses, including a serpentine desert course and an undulating highland track. The bike's electronically controlled pedaling resistance automatically increases or decreases to replicate the terrain gradients shown on the screen and sensors in the bike saddle monitor whether the user is sitting or standing and the computer-generated cyclist assumes the same posture. Squeezing the bike's hand brakes or shifting its gears control the momentum of the bike on the monitor, simulating carving around a turn or braking to avoid a fallen competitor. Riders can develop their own exercise regimen or use the preprogrammed training mode and the LCD displays distance traveled, speed, calories burned, and exercise time for real-time reference. Seat and handlebars are height-adjustable for optimal comfort. Plugs into AC. 63 1/2" L x 28 1/2" W x 65 1/2" H. (231 lbs.)
Lifetime Guarantee
The Virtual Mountain Bike Racing Simulator comes with The Hammacher Schlemmer Lifetime Guarantee. If this product ever disappoints you, for any reason, you may return your Hammacher Schlemmer purchase for exchange, credit, or refund.
Should you have any questions, we are available seven days a week (8:00 am – midnight EST). Please call 1-800-321-1484 to speak with a specialist or email us at firstname.lastname@example.com to receive a response within three business hours or less.
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text:
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text:
Weaver gives up eight runs in wild tie against A's
By Jane Lee / MLB.com
PHOENIX -- In a wild, back-and-forth affair, the Angels and A's played to a 13-13 tie at Phoenix Municipal Stadium on Saturday.
The Angels were first to grab a lead against starter Travis Blackley, scoring three times off the southpaw in the first inning, highlighted by a two-run double from third baseman Alberto Callaspo.
But the A's responded with three runs in the bottom half of the frame. Angels ace Jered Weaver -- who gave up eight runs in his two-inning start -- walked leadoff hitter Coco Crisp and, after a Jed Lowrie double put runners on second and third, outfielder Josh Reddick brought them home with a three-run homer to right-center, his third of the spring.
It would represent the first of three homers off Weaver, who proceeded to give up the long ball to left fielder Yoenis Cespedes and non-roster catcher Luke Montz -- hitless in his first 13 at-bats -- in a five-run second. For Cespedes, it was his first home run of the spring.
Weaver exited after two, having given up eight runs on six hits with two walks and no strikeouts. One of those runs came in on a balk.
"I just didn't have any command and didn't have a feel for any of my pitches," Weaver said. "It's one of those days where you try to make adjustments and something just didn't feel right. I feel healthy, feel good, just didn't have a feel for any of my pitches. Fastball command was terrible, everything was up and flat."
Blackley, meanwhile, fared much better after the first, keeping the Angels off the board in the second and third, before departing and telling media "that's the best I've felt since last year." The outing was much-needed for the lefty, who has been inconsistent this spring while fighting for a bullpen job.
The A's added on in the sixth against right-hander Kevin Johnson, when Reddick boarded on a base hit and came around to score on Brandon Moss' RBI triple.
In the previous inning, Angels lefty reliever Sean Burnett, making just his second appearance of the spring after dealing with lower back stiffness early in camp, turned in an encouraging outing and allowed just one hit with one strikeout.
"I was able to throw the breaking ball for a strike today, which I know I've been fighting with a little bit out here," Burnett said. "Just, all in all, everything was working and I was pounding the zone. What you saw today is what you're going to get most of the time."
The Angels scored six runs in the eighth and ninth innings to take a 13-10 lead, but the A's rallied for three in the bottom of the ninth as the game ended in a draw.
Up next: C.J. Wilson gets the start on Sunday, when the Angels host the Padres at Tempe Diablo Stadium at 1:05 p.m. PT on MLB.TV. Wilson, who has a 5.79 ERA in 4 2/3 Cactus League innings, last pitched in an intrasquad game during Tuesday's off day and looked good through five innings. Mitch Stetter, a lefty specialist signed to a Minor League contract early in the offseason, is slated to make his spring debut after dealing with a bulging disk in his back.
Jane Lee is a reporter for MLB.com. Read her blog, Major Lee-ague, and follow her on Twitter @JaneMLB. This story was not subject to the approval of Major League Baseball or its clubs.


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In a "Dilbert" cartoon, a twenty-something employee tells the nerdy engineer that the younger generation does their work on phones and tablets, not the "grandpa box." Dilbert volunteers defensively that he has a laptop in addition to his desktop computer. The twenty-something employee offers to text the nineties and let them know.
Marketing to prospective clients and communicating with existing ones, requires investment advisors to undergo a paradigm shift. It has become clear that social media is no longer the exclusive province of teenagers walking the mall with smart phones in hand. Even in airplanes, passengers of all ages are texting and checking e-mails long after the Captain has ordered them to turn off cell phones and other electronic devices. Though we hope IARs have not become addicted to their iPad, or smart phone, even technophobic advisors must recognize that social media is here to stay.
Social media is an inexpensive and effective way to communicate with established and prospective clients. Nevertheless, when RIAs utilize social media to promote their advisory practices, they risk creating compliance problems for their firms. Therefore, it is vitally important that RIAs address compliance issues arising from the use of social media before permitting IARs to utilize any of these tools for business purposes.
How RIAs Are Using Social Media
Although there are many definitions of social media, the term is commonly defined as online content and technological tools used to communicate and connect with others. Among its many uses, social media is utilized for personal, political, career advancement, and business purposes. IARs have already begun using social media such as Facebook, LinkedIn, YouTube, Twitter, and blogging sites for business communication.
The danger for advisory firms is that IARs will violate compliance rules while using social media to communicate with current and prospective clients. Although communications with current clients are not usually viewed as advertisements, the possibility does exist that they could be classified as such. If circumstances suggest that the purpose of a written communication is to offer additional advisory services or attract new clients, it may be viewed by the SEC as an advertisement, and subject to Rule 206(4)-1 under the Investment Advisers Act of 1940. Advertising rules for state-registered RIAs are usually very similar to Rule 206(4)-1.
As mentioned previously, all communications with clients must be thorough, complete, accurate and not misleading—this includes social media. A firm's CCO, or designated compliance person, should be reviewing the ways in which IARs are communicating with clients as well as what they are communicating. Unless the firm's compliance personnel are able to review these communications, IARs should not use social media for business-related matters.
Whether a communication is between a client or prospect, it is subject to retention requirements of the Books and Records Rule found in Rule 204-2 under the Investment Advisers Act. State-registered investment advisors are subject to similar records retention requirements. Therefore, advisory firms should put policies and procedures in place, ensuring compliance with books and records rules.
For example, all communications with clients using Twitter are subject to CCO review and must be retained in accordance with the Books and Records Rule. Twitter, a free social messaging utility, enables an IAR to send and receive messages via the Twitter website. "Tweets" is the term that describes instant messages sent on Twitter. All tweets must be made available for review by the advisory firm's CCO, or compliance designee, and should be captured on the RIA's server.
Although the SEC has not implemented a rule specifically addressing social media, the Commission published guidance for RIAs on January 4, 2012. Guidance contained in the National Examination Risk Alert arises from observations made during RIA exams by staff members of the SEC's Office of Compliance Inspections and Examinations. While these observations are not legally binding upon RIAs, firms should consider them in order to satisfy their obligations under the securities laws. State-registered advisory firms will also benefit from heeding the SEC's advice. The risk alert was issued in conjunction with an administrative proceeding brought against an Illinois-based investment advisory firm, which allegedly used social media to exploit investors.
The SEC's risk alert observed that many RIAs have policies and procedures, which specifically apply to the use of social media by the firm, IARs, and solicitors. A number of RIAs, however, have implemented multiple procedures applicable to advertisements, client communications, and electronic communications without specifically referring to social media. SEC examiners found that these policies and procedures were not specific enough regarding which forms of social networking are permitted or prohibited. Furthermore, firms' policies and procedures sometimes overlap and may be contradictory. The SEC observed that some RIAs who use solicitors to market their services did not specify what social media constraints were placed on those individuals.
Potential Violations of Rule 206(4)-1 under the Investment Advisers Act
It is a best practice to classify all social media which directly or indirectly markets the RIA, any IAR or services offered by the firm, as an advertisement. A major concern is whether any form of social media expressly or implicitly violates Rule 206(4)-1(a)(1), which prohibits testimonials. A testimonial is a statement relating to a client's experience with, or endorsement of, an RIA.
To illustrate a potential compliance problem, IARs who post their profile on LinkedIn, a professional networking website, might unintentionally violate the rule prohibiting testimonials. LinkedIn profiles typically contain recommendations from other individuals. This website allows an IAR to accept recommendations and publish them. Any published recommendation referencing the IAR or the firm may be construed as a testimonial, whether solicited or not.
There may still be a violation of Rule 206(4)-1, even if the person giving the recommendation is not a client. These recommendations may be false or misleading, if solicited from a friend, relative, or business associate. In fact, these recommendations may be a quid pro quo for recommending someone else. Furthermore, they paint a one-sided picture of the IAR, since negative comments are unlikely to be published. As such, these recommendations might violate Rule 206(4)-1(a)(5), barring any false or misleading advertisement in any way. A conservative course of action is for IARs to hide all recommendations relating to their investment advisory services from public view.
Social media terminology makes it appear that an IAR is beloved by people who may be clients. On Facebook, contacts are referred to as "friends." Persons who sign up to receive tweets are called "followers," a term that might be construed as an implied endorsement. One possible solution is for RIAs and IARs to include a disclosure stating that social media terminology should not be construed as a testimonial or endorsement. Another option is for RIAs to restrict or even prohibit employees from using social media for business purposes, such as marketing the firm or the IAR. Certainly, legal issues may arise if an RIA attempts to restrict employees' personal use of social media on their own time.
Facebook's "like" feature received special attention in the SEC's January 4, 2012, National Examination Risk Alert. According to the risk alert, RIAs who permit third-party postings on their social media sites should consider having policies and procedures for preventing testimonial posts about the firm, its IARs, or solicitors. Depending on the facts and circumstances, the use of "social plug-ins," such as the "like" feature, might be construed as a testimonial. The risk alert cited the example of an IAR inviting the public to "like" his or her profile posted on a social media site, and warned that this election to "like" the profile could be viewed as a testimonial. In a footnote, the SEC stated that some social media sites do not permit an RIA to disable the "like" button or a similar feature. Therefore, RIAs should develop a system to monitor these sites and remove third-party postings if necessary. Otherwise, examiners may disapprove of RIAs' social media policies.
False or Misleading Content Involving Social Media
Even if social media content is not a testimonial, it may still be in violation of Rule 206(4)-1(a)(5). As is the case with email and text messaging, IARs may send quick messages via social media in haste, increasing the risk of sending false or misleading information. Furthermore, a tweet is limited to 140 characters, which limits the possibility for clear communication. These messages often use abbreviations, which may be difficult to comprehend. In addition, due to space limitations, tweets may omit important information, including disclosures. Aside from these potential problems, a tweet may post links to websites and articles that contain false or misleading information.
All profiles on LinkedIn, Facebook, and other social media should be scrutinized ensuring they are not false or misleading in any way. Content must be consistent with the RIA's Form ADV, advisory contract, and other advertisements, including websites.
Some IARs are using social media to communicate subtle and less-than-subtle references to their firm's performance. All references to performance may be subject to the guidance published in the Clover Capital no-action letter. This no-action letter requires that performance results be presented on a net-of-fees basis. Clover Capital also requires that advisers make numerous disclosures when providing performance results. In addition, RIAs may inadvertently be violating Rule 206(4)-1(a)(2) under the Investment Advisers Act, which restricts advertisements referring to specific recommendations made by an investment adviser that were or would have been profitable to any person.
Policies and Procedures for Social Media
If an RIA permits the use of social media for communicating with clients or marketing purposes, the firm should adopt robust policies and procedures to reduce the risk of harm. Since regulators frown on boilerplate policies and procedures, they must be tailored to how social media is being used by a firm. Those procedures should require the firm's CCO to monitor IARs' use of social media. They should also mandate that communications and advertisements using social media be retained in accordance with the Books and Records Rule.
If social media is treated as an advertisement, IARs must comply with the RIA's advertising policies and procedures. It is a best practice for an RIA's advertising policies and procedures to require the firm's CCO to approve all advertisements before they are published, sent, or posted on the firm's website. For example, the firm's CCO's should pre-approve an IAR's LinkedIn page if a reference is made to the RIA. If IARs are dually registered with a broker-dealer, they must also comply with the brokerage firm's policies and procedures relating to client communications, social media, electronic communications, and advertising, as well as applicable FINRA rules and guidance.
Social media tools, like Facebook, allow RIAs and other advertisers to post targeted ads on profiles which appear in response to specified demographic information. CCOs should pre-approve the marketing criteria utilized, as well as the content of the advertisements. Meta tags and keywords also need to be reviewed by the firm's CCO prior to their utilization and must not be false or misleading in any way.
The Big Picture
Like it or not, advisors may need to become more comfortable with using social media for communicating with existing and prospective clients. If they do decide to use social media for those purposes, advisors should thoroughly read the SEC's January 4, 2012 publication (http://www.sec.gov/about/offices/ocie/riskalert-socialmedia.pdf).
Even though there are no regulations currently in place, it is clear that the SEC is looking over the shoulders of investment advisors. Recent document request letters from the SEC have asked RIAs to produce information relating to their use of social media. Furthermore, the SEC's risk alert encouraged IARs and RIAs to report activity that potentially violates the securities laws and may harm investors.
Since IARs and other supervised persons may already be active users of social media, CCOs and other compliance personnel should develop policies and procedures to address the potential problems. The SEC's risk alert advised RIAs to identify social media risks in view of the firm's business model and operations. The RIA should then test whether policies and procedures effectively address those specific risks.
Certain forms of social media have the potential to be misleading because of their brevity. A client might easily misconstrue a tweet, especially since it will be 140 characters or less, and text messages may not fit the bill either.
More than likely, examiners will look at the facts and circumstances surrounding an RIA's use of social media. If an RIA or IAR's social media content contains one or more glowing endorsements that could not have been written better by the firm's marketing department, examiners will suspect that the advisor had a hand in creating the content. Examiners may also determine that an RIA has adopted the noncompliant content as its own by permitting it to remain posted on the social media site.


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Stern has said that his biggest regret in his 30 years as NBA commish is what happened in Vancouver. I recall that said during lockout.The Sacramento Kings might be on the move after all now that their arena deal has fallen apart. But now it seems Seattle has a new, unexpected competitor in its attempt to land an NBA team.
Ric Bucher, an NBA reporter for ESPN, told "The Kevin Calabro Show" on Friday that if the Kings were to leave Sacramento, Vancouver, British Columbia would be a "very viable spot."
"Maybe, quite honestly, the most viable spot right now among places that gets the next NBA franchise that is on the move," Bucher said.
With investor Chris Hansen working to build an arena in Seattle, Vancouver wouldn't seem to be first in line for a relocated franchise, but Bucher said the city has a few things working in its favor.
"They have the corporate infrastructure, they have a building that they can readily move into ... they also have a very hot hockey team there currently," he said, referring to the Canucks, who are in first place in the Northwest Division. "It's a place that [the NBA] doesn't want to give up on."
NBA commissioner David Stern has faced turmoil in the past year with several franchises, including the Hornets and Bobcats and now the Kings. What would he think of a move across the Canadian border?
"We know that David Stern has always wanted to make this as global as possible. And everything that I'm hearing is that the China experiment failed, that the current owners are not interested in expanding into Europe anytime soon," Bucher said. "This is a way to expand back globally a little bit without it being too risky."
Some might see this as a blip on the NBA relocation radar, but Bucher insists Vancouver will remain a strong player in the battle for a franchise.
"It was one of those things on the NBA coconut- telegraph that will not go away as far as Vancouver being far more attractive than Anaheim," he said, "and even having the ability to elbow Seattle out of the way."
Time will tell if the Kings will move from Sacramento and exactly where they'll land. The silver lining for Seattle: Hansen is moving forward with his plans to build an arena in SoDo and remains committed to bringing the NBA back to the city.
The question remains as to just how long we'll wait.


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Feel free to merge this with another thread I couldn't find one though.
The rumour going around now is that the raptors are in trade talks with the 76ers for Igoudala.
The trade would send Calderon, DeMar Derozan, and Ed Davis for Andre Igoudala and Nikola Vuvejic.
I have mixed feelings with this trade. I feel Demar has a lot of room to grow and shouldn't be the first to be traded for a guy in his prime who will soon decline. But at the same time we have Ross and likely fields and this would solve our largest problem and we'd get vuvejic another center. Assuming this was the last move this offseason our lineup would look like
Lowry/Bayless(if resigned)
Ross/Fields(or vice versa)
This brings me to ask the question, if this happens aren't we almost just as weak at the sg spot as we are now at sf? I know Ross and fields will both get better but it just seems like its translating our problems to another position.


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The wines made in Sauternes, neighboring Barsac and three other adjacent communes, are the most renowned of all the world's late-harvest sweet wines, and are among the only ones made in commercially serious quantities. They are usually affected to some extent by botrytis, or ""noble rot,"" a beneficent fungus that increases glycerol and concentrates sugars and acids by dehydrating and shriveling the grapes. However, in years that don't offer the right climatic conditions (i.e., alternating humidity and dry heat), destructive gray rot, noble rot's evil twin, may ruin the grapes. Or, if there's no rot at all, an estate may merely be able to make a sweet wine that misses out on the nectar-like complexity and texture of classic Sauternes. Making great Sauternes is always a financially risky venture, as waiting for ideal botrytis always runs the risk of encountering rain or frost, which could ruin a season's crop.
Most of these sweet wines are based on the Semillon variety, which is prone to botrytis and yields rich, broad wines, often with a honeyed character. A percentage of Sauvignon Blanc is used to add acidity and freshness to most Sauternes, while some estates also like to blend in a bit of aromatic Muscadelle. The richness and unctuous quality of the best Sauternes belie an often high acid content, which, along with elevated alcohol levels, provides Sauternes with the structure to age remarkably well, in some instances for several decades. Not surprisingly, styles of Sauternes vary significantly by varietal make-up, the quality of the site, the seriousness of work in the vineyards, and approaches to vinification and aging.
Bordeaux is the planet's largest source of fine wine, the model for Cabernet Sauvignon- and Merlot-based wines around the globe. Bordeaux wines are considered by many wine connoisseurs to be the world's greatest reds.
The Bordeaux region encompasses both banks of the Gironde estuary in southwest France, as well as the land bordering the Garonne and Dordogne, which split off from the Gironde in the southern Medoc. Bordeaux's highest-quality red wines generally come from seven major appellations: Saint-Estephe, Pauillac, Saint-Julien, and Margaux in the greater Medoc region, Graves to the south of the city of Bordeaux, and Pomerol and Saint-Emilion to the east (an area commonly referred to as the "Right Bank"). The best dry white wines come from the large Graves region, while the finest sweet wines are made in Sauternes and Barsac, enclaves within the southern reaches of the Graves appellation.
In general, red wines from the left bank of the Gironde, particularly from the Medoc region of Bordeaux, are based on Cabernet Sauvignon, blended with varying amounts of Merlot and Cabernet Franc and sometimes bits of Malbec and Petit Verdot. These red wines are dry and firm, with a solid tannic spine, and are often austere in their youth. They are among the longest-lived wines made anywhere. Red wines from the gravel and sand soils of Graves often show a bit more texture early on, as well as more roasted notes of smoke, hot stones, and tobacco. Wines from Bordeaux's Right Bank, located mostly to the east of the town of Libourne, are blends based on the softer Merlot grape. They are generally fleshier and more pliant than wines from the Medoc and are accessible earlier, though the best of them are capable of improving in bottle for decades.
France is the fountainhead of the grape varieties most craved by North American wine drinkers: Cabernet Sauvignon, Merlot, Pinot Noir, Syrah, Chardonnay, and Sauvignon Blanc. In fact, these grapes are widely referred to as "international" varieties because they have been planted and imitated all over the world. Of course, one of the most exciting developments in wine over the past generation has been the growth of intriguing local styles of these varieties, such as Pinot Noir in Oregon and New Zealand, or Syrah in Australia, South Africa, and California. But most cosmopolitan wine-lovers -- and even winemakers -- would agree that French wines are the archetypes.
France enjoys the perfect geographic position for the production of a wide range of fine wines. Its relatively northerly location ensures long hours of daylight during the summer months and an extended growing season, allowing for the slow and steady accumulation of flavor in the grapes. Although the country as a whole enjoys a temperate climate, conditions can vary significantly within a limited land mass: cool and Atlantic-influenced; continental, with very cold winters and hot summers; warm and Mediterranean, with wet winters and dry summers.
Wines of France
France began classifying its best French wine-producing sites more than 200 years ago. Its detailed appellation controlee system, designed in the 1930s, has served as the model for classification systems adopted by other countries in Europe and elsewhere. Appellation d'Origine Controlee (often abbreviated to AOC), means "controlled place name" and is the consumer's assurance of the origin and authenticity of any French wine whose label bears these words.
AOC laws, administered by France's INAO (Institut National des Appellations d'Origine), establish the geographic limits of each appellation, permissable grape varieties and methods of production, minimum alcohol level, and maximum crop level (or yield) per hectare. Just beneath the highest category of appellation controlee is the comparatively tiny category of VDQS (Vins Delimites de Qualite Superieure), wines which may eventually be promoted to AC status and which are most commonly found in the Loire Valley and the Southwest. The third category is Vins de Pays, or "country wines". This latter category gives producers, including some of the more adventurous French wine growers, an escape route from the straitjacket of AC regulation in terms of higher permitted yields and less restrictive geography, a wider range of legal grape varieties, and fewer restrictions as to method of production and minimum age of vines. Finally, at the bottom of the pyramid, there are Vins de Table, or simple "table wines."
And yet, despite France's illustrious wine history and the fact that it is still the world's leading producer of wine, the country is struggling to compete in the international market. Today, France faces fierce competition from New World wine producers. U.S. imports of French wines actually declined, in number ofcases, between the end of 2002 and early 2006 -- this during a period when overall wine consumption in the U.S. grew by more than 50 percent.
Today, the French government is agonizing over how to help French wine producers, who are also facing homegrown challenges such as changing domestic drinking habits and an aggressive anti-alcohol abuse program. Wine producers in some regions of France are coming to view the AC system itself as an obstacle to selling wines to North America and other important export markets. Among the changes being considered are loosening restrictions on what can be planted where and on how wines can be made, and allowing producers in certain areas to indicate the grape variety or varieties on their labels -- rather than simply the place name, which is less meaningful to consumers in many of France's key export markets.
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