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Judge to Police: Feel Free to Invade Citizens' Property Without Warrant, Plant Cameras
Jason Mick
November 2, 2012 3:01 PM
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(Source: AP)
Federal court ruling opens the door to increased monitoring, abuse
The Fourth Amendment seems relatively explicit in its perspective on warrantless searches, surveillance, and seizures of Americans in their homes -- they're illegal.
I. It's Okay For Agents to Invade Private Property (Sometimes)
The amendment to what is supposedly the most important document to the American government states:
The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.
But federal courts and politicians have increasingly argued that the Fourth Amendment is
an archaic and obstructive instrument
. To that end, they've sought to stretch the bounds of "reasonable" searches/seizures to cover virtually any case, in effect repealing the protections of the Fourth Amendment, without a vote by the public.
The latest step down that path comes courtesy of U.S. District Judge
William Griesbach
, who has served on the United States District Court for the Eastern District of Wisconsin ever since his 2002 nomination by President George W. Bush.
A federal judge has approved planting cameras on citizens private property without warrant. [Image Source: Reuters]
In a closely watched case, the federal judge
that the Constitutional rights of two defendants -- Manuel Mendoza and Marco Magana of Green Bay, WI -- were not violated when federal agents with the
U.S. Drug Enforcement Administration
(DEA) invaded their private property without warrant to plant wireless surveillance cameras. The judge also ruled that the collected evidence could be used against the defendants.
The judge argued that the 22-acre property's numerous "no trespassing" signs did not apply to federal agents -- with or without warrant.
II. Defendants Face Life-in-Prison for Growing Cannabis
The DEA reportedly found 1,000 marijuana plants growing on the property.
have shown that marijuana has no more personal or public adverse health effects than America's "legal" drugs -- alcohol, tobacco, and prescription methamphetamines -- it has been illegal in the U.S. since 1970. The
Controlled Substances Act of 1970
called on the federal government's official drug cartel agency, the
U.S. Food and Drug Administration
, to classify the plant as a Schedule I drug with "no medical use". That makes it more restricted than even cocaine, which while also a Schedule I drug, can be used in a clinical setting to treat severe nosebleeds.
Due to the classification, the two defendants face the possibility of
a life sentence
and $10M USD in fines. A jury trial is scheduled for Jan. 22, 2013.
Justice Department prosecutors James Santelle and William Lipscomb argued in briefs, "Placing a video camera in a location that allows law enforcement to record activities outside of a home and beyond protected curtilage does not violate the Fourth Amendment."
The prosecutors are referring to an interesting dichotomy in past rulings by the Supreme Court of the United States (SCOTUS), the highest court in the land. In the 1984
Oliver v. United States
decision, the SCOTUS ruled that private property that fell under the category of so-called "open fields" could be invaded by federal agents without warrant. The case has been challenged, as it essentially says that if you can afford a fence you can get better legal protections and if you can't you're out of luck. But the case has not been overturned.
The defendants face life in prison. The U.S. imprisons a higher percentage of its population than any other nation in the world. [Image Source: Banmiller on Business]
"Curtilage" is the land surrounding a residence, which appears to be still protected under the Fourth Amendment, based on the SCOTUS's past rulings.
But Judge Griesbach could have compelling cause to go in the other direction. While the SCOTUS has
refused to hear cases on warrantless wiretapping
, phone tracking, or warrantless use of surveillance cameras; in recent months it has struck down other forms of warrantless surveillance.
In Jan. 2012, the SCOTUS unanimously (9-0) ruled that
wireless GPS tracking without warrant was illegal
. Likewise, in
Kyllo v. United States
, the SCOTUS narrowly (5-4) ruled that warrantless thermal imaging (in a similar marijuana growing case) was illegal.
In choosing to overlook those decision and base the ruling solely on
, the federal judge in the recent cases was acting in an activist manner to effectively repeal Constitutional protections, the defendants' lawyers argue.
Brett Reetz, Magana's attorney, comments, "That one's actions could be recorded on their own property, even if the property is not within the curtilage, is contrary to society's concept of privacy. The owner and his guest... had reason to believe that their activities on the property were not subject to video surveillance as it would constitute a violation of privacy."
III. Criticism Over U.S. Warrantless Policing Abounds
Drug enforcement is the subject of much controversy in the U.S.
America incarcerates more of its population than any other nation in the world -- nearly 1 percent (~2 million) of the population -- at a projected cost of $80B USD or more [
] in 2010. Of those incarcerated, 70 percent were imprisoned [
] for non-violent crimes, with nearly half of those serving prison time having lost their liberty due to non-violent drug offenses [
]. One in eight (roughly 1 out of every 800 Americans) are imprisoned for marijuana offenses, according to the
U.S. Bureau of Justice Statistics
Experts estimate that the U.S. loses almost $50B USD [
] in potential tax revenue by outlawing marijuana -- roughly $2T USD over the forty years of the war on drugs. Combined with the net cost, that works out to roughly $3T USD -- enough to pay off a third of the U.S. national debt [
The prohibition on domestic growth has also led to a steady stream of illicit harvests
flowing across America's southern border
and fueling a murderous drug war in Mexico that has claimed thousands of lives.
Ron Paul argues that the country is going down a dark path. [Image Source: NBC]
Some like Texas
Rep. Ron Paul
(R), who have a front row view of the immigration debate and "War on Drugs" have advocated decriminalizing marijuana. Rep. Paul
is quoted
as saying, "And marijuana - I think it's tragic what's happening today in the drug war. Since the early '70s we've spent maybe $200 to $300 billion on the drug war. That's not been any good. This whole effort on the drug war doesn't make any sense at all to me."
Likewise, warrantless monitoring is the subject to much debate.
Civil liberties advocacies like the
Electronic Frontier Foundation
(EFF), and a handful of politicians like Rep. Paul argue that warrantless surveillance is inherently unconstitutional. Rep. Paul argues that the American political system has been hijacked by zealots,
, "The PATRIOT Act was written many, many years before 9/11, [the attacks simply provided] an opportunity for some people to do what they wanted to do..."
"Democracy isn't all that healthy in this country because if you're in a third party... you don't get in the debates... And if you ever come to the conclusion -- heaven forbid -- that the two parties aren't all that different, then what is left really?"
IV. Heads of the Nation's Ruling Parties Support Warrantless Policing
But there are powerful interesting opposing such lines of thinking. B
oth Democratic President Barack Obama and Republican challenger Mitt Romney support throwing out due process (warrants) in cases where national security is viewed to be at risk -- a policy first put in place by Republican President George W. Bush (with bipartisan support from America's two ruling parties) in the wake of the 9/11 terrorist attacks.
Both candidates
also support
outlawing and imprisoning
folks for smoking or growing marijuana, despite Barack Obama admitting to having smoked the substance in his younger years for "stress relief".
President Obama and his predecessor President Bush agree on many things, including that the federal government should be granted unregulated spying on its citizens.
[Image Source: WhiteHouse.gov]
Mr. Romney expressed a viewpoint narrowly in line with President Obama's plugging warrantless wiretaps in a recent interview (see below), stating, "If it means we have to go into a mosque to wiretap or a church, then that's exactly where we are gonna go, because we are going to do whatever it takes to protect the American people. And I hear from time to time people say, 'Hey, wait a sec, we have civil liberties to worry about', but don't forget... the most important civil liberty I expect from my government is my right to be kept alive."
In a statement on the SCOTUS ruling, President Obama marched in lock-step with his political rival, with his press office
Electronic surveillance for law enforcement and intelligence purposes depends in great part on the cooperation of the private companies that operate the nation's telecommunication system.
If litigation were allowed to proceed against those who allegedly assisted in such activities, the private sector might be unwilling to cooperate with lawful government requests in the future, and the possible reduction in intelligence that might result is simply unacceptable for the safety of our nation.
Now those advocates of warrantless surveillance have another victory in hand, while the critics are left searching for answers and fresh hope.
"This week I got an iPhone. This weekend I got four chargers so I can keep it charged everywhere I go and a land line so I can actually make phone calls." -- Facebook CEO Mark Zuckerberg
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Your tax invoice can be downloaded on flysaa.com under Manage & Fly 72 hours after the e-ticket has been issued.
If a Tax Invoice has been successfully generated from the South African Airways Tax Invoice System, the onus rests on the recipient to ensure that his/her mailbox has enough space to receive an e-mail - with a PDF attachment; and that his//her service provider or exchange server allows for delivery of such e-mails. South African Airways, can not take responsibility for undelivered e-mails due to any other reasons beyond our control including the above.
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South African Airways today announces significant price cuts following global reductions in jet fuel prices.
Flights between Johannesburg and a number of African destinations will experience average reductions of USD 15 per segment (approximately R 249 per round trip), while total long haul return ticket costs will be cut by USD 7 per segment (approximately R 116 per round trip) and domestic return flights by USD 5 per segment (approximately R 83 per round trip). The African destinations benefitting from the steepest cuts include Cameroon's commercial capital Douala, the capitals of Gabon, Burundi, and Rwanda, Libreville, Bujumbura, and Kigali, as well as the commercial capital of Benin, Cotonou, and the Congolese oil hub of Pointe Noire.
"We are able to offer the deepest cuts on these African routes because the price of jet fuel in these cities is generally higher than the international average," said SAA CEO Siza Mzimela. "As a result, although fuel prices remain higher than elsewhere internationally, when oil prices drop, the reduction results in a larger actual saving to our passengers".
The decreases more than compensate for the European Union carbon emissions tax of between 1.00 and 2.00 Euros (between roughly R 10.34 and R 20.68) SAA will implement under protest next month. The carbon emissions tax is opposed by airlines and governments around the world because it has been unilaterally imposed by the EU despite proposals by the International Air Transport Association for a fair and equitable approach to be agreed under the auspices of the United Nations International Civil Aviation Organisation.
SAA passengers have already started benefitting from the fuel levy reductions made possible by the global fall in oil prices as the new, lower fuel levy was implemented last week
"As the leading airline to, from and within Africa, we are delighted to be able to pass on to our passengers the current savings we are able to make as a result of falling global oil prices," said Mzimela. "Within the overall context of our growth and optimisation strategy for SAA, we will continue to manage our fuel and other costs to the maximum benefit of our passengers and the economy."
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text:
I'm sure most around here know and don't need the salt in the wound.... but here it is anyways.Toronto Raptors
Last Playoff Appearance: 2008
Record Since Last Playoff Appearance: 143-234 (.379)
Number of Former Lottery Picks Age 26 or Younger: Four (Rudy Gay, DeMar DeRozan, Terrence Ross and Jonas Valanciunas)
Toronto is definitely stockpiling solid talent and changing the culture. The arrival of Kyle Lowry and Rudy Gay has provided the club with immediate returns on the court and will help the development of Terrence Ross and DeMar DeRozan off of it as well. There are plenty of positives for the team to mention in a long term sense, but the fact remains another sub .500 season has the fans restless in Toronto.
Read more at http://www.hoopsworld.com/nba-am-tea...n-the-basement


text:
Despite working with the growing Iranian space program in the past, a senior Russian space official said the country won't help Iran launch another satellite into orbit any time soon.
The Russian space program helped Iran launch its Sina-1 spy satellite into orbit in 2005, which helped kick start the Iranian space program. The country had been interested in space research development for several years prior to the 2005 launch, but didn't have the necessary technology to launch its own hardware.
Without the help of Russia, the Iranian Space Agency would have been unable to launch the 160-kilogram spy satellite into near-polar orbit, though the country now has ambitious space plans moving forward. Since 2005, the country successfully conducted its own satellite launch, sending another spy satellite into low orbit.
"I've had a number of meetings with various Iranian ambassadors -- I'm saying ambassadors because they change very, very frequently," Russian Federal Space Agency head Anatoly Perminov said during a recent press conference. "They were asking me different questions, and they were making proposals; I didn't understand what they meant, and speaking honestly, I didn't find any reasonable feasible aspects in their questions."
The western world is still concerned with Russia assisting Iran with its space endeavors because launching satellites into orbit goes hand in hand with the possibility of launching long-range ballistic missiles. After helping the country launch its first spy satellite in 2005, Russian officials vehemently denied Iran posed a threat to the world -- it seems a combination of political pressure and a new outlook of Iran has changed Russia's mind.
President Barack Obama plans to meet with Russian leaders, and one of the topics discussed will be Russia's plans to help Iran and other nations launch satellites. Although the United States and other space nations sometimes help countries unable to launch their own space technology, helping Iran and countries deemed a threat to the world is obviously frowned upon.
Pres. Obama and other western leaders are watching North Korea closely, as it's possible Iran may call on Kim Jong-II to help launch satellites. Scientists recently claimed North Korea has the infrastructure to launch a missile capable of hitting "Alaska, Hawaii, and roughly half of the lower 48 states."


text:
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The End of William Higgins Newsletter


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text: AirAsia is QPR's Official Partner London, 12 September 2011AirAsia is set to be the official partner of Queens Park Rangers Football Club (QPR) with the sponsorship of its official 'away' and 'third' shirt, as announced by the airline at the football club's Loftus Road Stadium in London today.The partnership marks another major involvement in sports by the world's best low cost carrier. As advocates of creative marketing strategies, this venture provides another strategic platform for the airline to further elevate its brand and achieve greater reach to consumers globally.AirAsia's sponsorship of QPR's away and third shirt will stretch for the next two seasons.AirAsia Regional Head of Commercial, Kathleen Tan, who represented the airline said, "We are absolutely thrilled with this partnership with QPR. This is a timely and significant relationship between two brands which are keen in taking on any challenges for the taste of success. Our logo on QPR's away and third shirt does not only symbolize our energetic partnership, but also a joint-representation of the hard work and challenges that we went through-- for AirAsia to be the world's best low cost airline for three consecutive years and QPR to make a comeback into top flight football for the first time in 15 years."This is a very meaningful moment for all of us, and we are very excited to jointly associate ourselves with a team like QPR, as they have a remarkable history in English football and their unrelenting spirit reflects our own Asian endeavour for success. Collaboratively, AirAsia and Malaysia Airlines can certainly build a very strong following for the QPR brand in a very passionate football audience in Asia," said Kathleen.Queens Park Rangers Football Club returned to top flight football in the Barclays Premier League (BPL) for the first time in 15 years after clinching the 2010 / 2011 npower Championship. The partnership with AirAsia is set to give the club the added support to continue their fight in the top tier competition.QPR CEO Philip Beard expressed his delight at the new deal. He said, "This is a unique and exciting venture for the Football Club. Attracting two major Asian companies to come on board shows the global appeal QPR has as a brand. We are extremely positive about building a thriving relationship with both businesses in a bid to broaden our exposure in Southeast Asia and further afield. This is a remarkable deal for the Club and brings further positive news following a highly successful few weeks since the takeover was finalised."In conjunction with the official partnership, AirAsia is launching a special QPR-themed promotion. The promotion, 'Score with AirAsia', presents guests with fares from as low as *RM29 from Kuala Lumpur to domestic destinations in Malaysia (Sandakan, Tawau, Kota Kinabalu, Johor Bahru, Penang) and international destinations-- Brunei, Yogyakarta, Hanoi, Macau, Guilin, Chiang Mai, Clark, Hat Yai and many more.Booking period for this promotion starts from 13 – 20 September 2011, for the travel period from 3 January – 31 March 2012. Log on www.airasia.com for more information.AirAsia is an active supporter of sports, and constantly dedicated itself in sports sponsorship and development. The airline is key partner for Team Lotus (Formula 1), AirAsia ASEAN Basketball League, Philippine Patriots (Basketball), AirAsia British Grand Prix (MotoGP), Team AirAsia-Sepang International Circuit-Ajo (MotoGP), Oakland Raiders (NFL) and runs its own motorsport talent development program via the AirAsia Team Lotus Driver Development Program (AATLDDP).AirAsia keeps abreast with the social media community via their Facebook and Twitter accounts. Guests are able to receive real-time updates on latest promotions and interact with AirAsia via facebook.com/AirAsia and twitter.com/AirAsia.


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Bankruptcy trials are often complex enough, but the one now underway involving Nortel Networks stands to be even more confusing.
Not only does it involve over $7.3 billion in assets, but it also involves two countries: the United States and Canada. One courtroom is being used in Toronto and another in Delaware. They are connected via encrypted, live-streaming video and audio.
Among those fighting for the assets are lawyers representing 20,000 ex-employees and many creditors.
The Nortel case is costing $1.185 billion, according to data cited by the media from Diane Urquhart, an adviser working with ex-Nortel employees.
As of now, the trial is expected to see some 16,000 documents compared to the original 3 million. Mark Zigler, of Koskie Minsky, who represents some ex-Nortel employees, told The Canadian Press, "There's just so many thousands of documents."
There have already been 110 depositions of witnesses. In addition, 56 people could be called as witnesses in the trial.
The judges in charge of the case are Kevin Gross in Delaware and Frank Newbould in Ontario.
Alan Mark, a lawyer for Goodmans, the Canadian monitor for Nortel's liquidation, remarked to The Canadian Press, "Procedurally it's certainly precedent setting having a trial proceed jointly."
One interesting angle to the case is that proceedings "will follow legal practices in each country for portions of the trial conducted in each jurisdiction, which means witnesses will be questioned and cross-examined under rules in effect in whichever country they appear," according to The Wall Street Journal.
As of about 2000, Nortel was worth about $300 billion. The company sold off many patents in 2011 for $4.5 billion. Ericsson acquired Nortel's wireless business for $1 billion.
The trial opens with much disagreement over how the current assets should be divided, according to a report from The Toronto Globe & Mail.
On Monday, there were far more attorneys present in the Toronto courtroom, about 50, than ex-employees.
In addition, lawyers representing Microsoft are trying to keep secret more than 6,000 patents the company acquired with Apple and Sony under the Rockstar Consortium, a joint venture involving the three companies, according to a report from Bloomberg News.
Judge Gross will "defer to Microsoft and the other companies on the secrecy of certain documents," the Bloomberg report adds. "Anyone challenging the need for secrecy would have to show why a document should be made public."
The trial is believed to be one of the largest bankruptcy cases ever in Canada, with Nortel once being the nation's largest telecom maker.
Further reading:
Google lawsuit against Rockstar to stay in California
Nortel settles claim with long-term disability employees
Economic loss is focus of Bankruptcy Court proceeding related to GM recall


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Sustained production central to McGriff's Hall case
Ten seasons with 30-plus homers, eight with 100-plus RBIs for 'Crime Dog'
By John Schlegel / MLB.com
Fred McGriff is a candidate on the National Baseball Hall of Fame ballot for the fifth year. The results will be announced exclusively on MLB Network and simulcast on MLB.com live on Wednesday at 2 p.m. ET as part of a three-hour live show beginning at noon. On Thursday, MLB.com and MLB Network will air the news conferences featuring the electees live from New York at 11 a.m. ET.
For nearly two decades and across two leagues, there was a first baseman who quietly delivered consistent power year after year.
Fred McGriff was 30-35 homers waiting to happen for more than a decade and deep into his career, and not many players can say that, now or then.
The prototypical first baseman, known as "Crime Dog," McGriff played for six teams, but shined his brightest as an All-Star with the Padres and Braves. With a string of 30-plus homers per season, 10 of them in all, McGriff fell just short of what at least used to be a Cooperstown ticket of a milestone: 500 homers. He was seven shy of that mark while finishing off his career with his hometown Tampa Bay Rays in 2004.
For a fifth year, McGriff is among those being considered for the National Baseball Hall of Fame, with voting results to be announced Jan. 8, 2014. McGriff saw his support fall to 20.7 percent in 2013 voting, after his top showing of 23.9 percent in 2012.
A candidate must receive 75 percent of the vote from Baseball Writers' Association of America members to gain election to the Hall of Fame. After no players were elected by the BBWAA last year for the first time since 1996, second baseman Craig Biggio (68.2 percent), starting pitcher Jack Morris (67.7 percent) in his 15th and final year on the ballot, and first baseman Jeff Bagwell (59.6 percent) are the top returning vote-getters from last year's ballot. Greg Maddux, Tom Glavine and Frank Thomas are among the first-timers on the 2014 ballot.
During a prime that lasted a good decade, McGriff was a five-time All-Star and three-time Silver Slugger winner, including one in the American League. He had seven consecutive 30-homer seasons (1988-94) among his 10 overall.
"Over the years, I've just tried to be consistent. I did my best to stay healthy," McGriff once said. "I take pride in it. Every year, players set goals. For myself, I [want to] hit 30 home runs and drive in 100 runs."
Even as he passed his one-time teammate and Florida friend en route to 500 homers, Gary Sheffield paid tribute to McGriff.
"I knew [McGriff] would be the guy I would have to hit more home runs than -- because nobody was going to hit more home runs than Fred McGriff," Sheffield said. "So whatever number he came up with, the day I put on my uniform to play with him is the day I made that goal. ... It's the strangest thing. It's just one of those things of how much I admire him as a person, as a friend and as a baseball player. What he has meant to Tampa -- when you talk about home runs in Tampa, you talk about Fred McGriff."
Traded from the Blue Jays with Tony Fernandez for Roberto Alomar and Joe Carter in a 1990 Winter Meetings blockbuster, McGriff excelled as the Padres' cleanup hitter and was one of four All-Stars for the Padres when they hosted the 1992 All-Star Game -- McGriff, Fernandez, Sheffield and Tony Gwynn. By the next summer, he was traded to the Braves, the team he won a World Series ring with in '95. He was dealt to Atlanta in July 1993, finishing a career-high fourth in the NL MVP voting after delivering 19 homers and 55 RBIs for the Braves in the final two-plus months of the season.
McGriff played for three teams in the last three years of his career, but a highlight included hitting 30 homers and recording his eighth season with 100 RBIs or more for the Cubs in 2002 -- joining Sheffield as the only two players ever to hit 30 homers for five different teams.
McGriff finished his 19-year career with 1,550 RBIs, which ranks 42nd on the all-time list -- between Hall of Famers Willie McCovey (41st, 1,555) and Willie Stargell (43rd, 1,540), both of whom at least finished their careers as first basemen.
John Schlegel is a national reporter for MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


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Diebold Nixdorf Partner Program "SPIRIT"
Success doesn't just happen. Success is made. We make it. Together with partners. Our joint know-how is added together - so that success is multiplied. Therefore we created the Diebold Nixdorf Partner Program SPIRIT.
Why a partnership at all? Because different companies have different strengths. And that is just how our customers benefit. Because we work in teams on the end-to-end solutions with which we satisfy our customers. It's as easy as that: The customer achieves the success he desires. And our team is satisfied. Success twice over. Clearly the route to success. For Diebold Nixdorf already posts a significant share of its sales in the retail business together with its partners.
The benefits of SPIRIT
As a Diebold Nixdorf partner we provide you with numerous benefits in different categories: Portfolio, Trainings, Resources, etc. Also you are part of a large network which has already become a fixture due to long-term connections in the international arena. Whether you are a reseller, distributor, OEM partner, software partner, systems house, consultant or consultancy - you know what Diebold Nixdorf offers its partners. State-of-the-art powerful hardware and solutions. Training and efficient support. A wide range of support and marketing services. What's more, you benefit from our end-to-end retailing know-how and knowledge about customer trends. And, of course, you automatically profit from our infrastructure and our customer intimacy. And from our name. From the image of Europe's Number One in the retail market (from store to enterprise solutions). In addition, you obtain support for your international projects. And you have a presence on our Web site. For we introduce our partners there, in our partner database. That means ideal sales promotion for you.
Successful teams for successful experiences
Cooperation with Diebold Nixdorf means: Successful teams for successful experiences. Do you want to contribute your know-how to a partnership? To multiply your success? Then get in touch with us and become a partner with SPIRIT.
Banking Partner
Retail Partner
Global Partner
Technology Partner


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Encours.org is a teleconferencing system that works directly in your Web browser. It has shared slides that are visible to all, an integrated audio system with recording, "laser" pointers for lecturers, video replays of the presentation, and a chat interface with the audience. It can be connected to a phone server.
Aspose.Slides for Java is a Java component for manipulating PowerPoint presentations. It doesn't require PowerPoint and supports export to PDF, embedding and linking of audio and video frames, slide cloning, thumbnail generation, and presentation features, the ability to extract text from a presentation, and more.
Presentation is a standards-based presentation platform in the style of S5 and Opera Show Format (both of whose file formats are supported). It provides an easy way of writing (in HTML or XHTML) a portable presentation that can easily be read from a standard Web browser. In addition to what was offered by S5, it adds support for CSS3 transitions.
PRISCILA is a simple SDL/OpenGL presentation application with a keyboard-based WYSIWYG built-in editor. Its aim is to provide a vi-like tool to write presentations. The current editor is still very rudimentary and several editing actions have to be done by editing text files. Each presentation slide is a real 3D scene composed of several items. Special effects can be applied to modify item appearance, and actions can be added to modify items' behavior. 3D objects, effects, and actions are GNU/EDMA objects, which automatically provides plug-in support, easy updates, and more. An RFComm Bluetooth interface is included for remotely controlling a presentation from a mobile device.
picoFlamingo is a portable presentation solution initially developed for the BeagleBoard and picoDLP projector, but it can be executed in any OpenGL ES 2.0 compliant system. The project can be considered a reduced version of Priscila, a GNU/Linux based presentation system that defines the presentation slides in a 3D space. Slides can contain text, images, live video streams, and 3D objects that can be animated in a 3D space and dynamically updated to produce advanced user interfaces. When used in combination with NetKitty, picoFlamingo can be controlled remotely through any Bluetooth or network enabled device. Simple remote control tools for Symbian S60, OpenMoko, and Android 1.5 are provided. A set of small applications for video streams and voice commanding are also provided.
A virtual desktop environment based on LXC.
A class for accessing files in Git repositories.


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The Financial Industry Regulatory Authority (FINRA) just released its watch list for 2013, highlighting its top 10 products and regulatory areas that will be priorities during its exam schedule this year.
FINRA notes that retail investors have been challenged to find attractive returns within their risk tolerance, while increasingly shifting funds from equity to debt markets. "Investor appetite for yield, among other factors, has bid up market prices on investment-grade and high-yield debt, putting pressure on upside growth potential and creating significant downside risks,"it said in a statement.
In this environment, FINRA says that it is particularly concerned about "sales practice abuses, yield-chasing behaviors and the potential impact of any market correction, external stress event or market dislocation on market prices."
Against this background, FINRA said the following on the 10 areas in its exam efforts this year:
1) Suitability and Complex Products—FINRA's recently revised suitability rule (FINRA Rule 2111) requires broker-dealers and associated persons to have a reasonable basis to believe a recommendation is suitable for a customer. Given the market conditions discussed above, we are particularly concerned about firms' and registered representatives' full understanding of complex or high-yield products, potential failures to adequately explain the risk-versus-return profile of certain products, as well as a disconnect between customer expectations and risk tolerances. More specifically, we are concerned about:
-- the market risk exposures associated with interest-rate-sensitive investments and the corresponding alignment with customer risk tolerances given today's low-yield environment;
-- credit risk exposures associated with investments where the creditworthiness of counterparties may not necessarily be transparent to or align with the risk tolerance of customers; and
-- liquidity risk exposures associated with investments where the timing of cash flows or the ability to quickly liquidate positions may not align with customer cash flow needs.
2) Leveraged Loan Products—Leveraged loans are adjustable-rate loans extended by financial institutions to companies of low credit quality that have a high amount of debt relative to equity. Funds that invest in leveraged loans have seen relatively heavy inflows during 2012. Unlike traditional fixed-income bonds, floating-rate loans do not trade on an organized exchange, making them relatively illiquid and difficult to value. Funds that invest in floating-rate loans may be marketed as products that are less vulnerable to interest rate fluctuations and offer inflation protection, but the underlying loans held in the fund are subject to significant credit, valuation and liquidity risks that may not be transparent to investors.
3) Commercial Mortgage-Backed Securities (MBS)—As noted above, FINRA has concerns about yield compression, and those concerns apply to agency MBS as a fixed-income instrument. But not all CMOs are alike. FINRA has heightened concerns about the sale and marketing of commercial mortgage-backed securities to retail investors. Specifically, we are concerned that firms are not fully disclosing in a transparent manner the considerable risks given today's low-interest-rate, low-yield environment. The commercial mortgage-backed securities space, in particular, has seen a significant compression in risk premium in 2012 as investors have bid up prices and driven down yields while default rates remain high as compared to historical norms.
4) High-Yield Debt Instruments—Since the domestic financial crisis, the high-yield debt market has been viewed as an attractive alternative to other financial products. Given the inverse relationship between price and yield, this influx of cash into the high-yield market has increased prices and put downward pressure on yields. In September 2012 alone, investors put an estimated $8.8 billion in high-yield-bond funds, bringing the 2012 total as of October 5 to a record $64.5 billion—more than double the previous high of $31.8 billion in 2009, according to EPFR Global. Risk premiums have compressed across the sector, resulting in significant market risk exposures. In addition, an increasingly diverse range of companies have recently engaged in high-yield underwritings, and some of these companies have very high-level cash flow or funding demands that raise significant credit risks.
5) Structured Products—These products may be marketed to retail customers based on attractive initial yields and in some cases on the promise of some level of principal protection. These products are often complex, and have cash-flow characteristics and risk-adjusted rates of return that are uncertain or hard to estimate. In addition, these products generally do not have an active secondary market.
6) Exchange-Traded Funds and Notes—Retail investors may not understand the differences among exchange-traded index products (e.g., funds, grantor trusts, commodity pools and notes) and the risks associated with these investments, particularly those that employ leverage to amplify returns. We are also concerned about the proliferation of newly created index products lacking an established track record, such as those with valuations and performance tied to volatility, emerging markets and foreign currencies.
7) Non-Traded REITs—FINRA says it's concerned that customers of non-traded REITs may not fully understand the sales costs deducted from the offering price and the repayment of principal amounts as dividend payments in the early stages of a REIT program.
8) Closed-End Funds—In today's low-interest-rate environment, retail investors find the high distribution rates associated with many closed-end funds attractive. Distributions may be composed of dividends, interest income, capital gains and/or return of capital. We are concerned that retail investors may not understand that some funds are returning capital to maintain high distribution rates, causing the closed-end funds to trade at high premiums compared to their NAV.
9) Municipal Securities—Rated municipal securities, on the aggregate, have demonstrated relatively strong repayment patterns as compared to similarly rated corporate bonds. General obligation bond default rates typically hover around 0.1 percent. However, market sectors dependent upon private profit-making or nonprofit performance, for example, experienced significantly higher default rates.4 We are concerned that brokers may fail to disclose the material risks associated with these kinds of higher risk bonds, and that customers searching for safe-harbor investments may assume that these instruments share the same risk-versus-reward profile of general obligation municipal securities.
Moreover, consolidation in insurance companies offering variable annuities may provide an inappropriate incentive for brokers to recommend exchanges. Where the insurance company offers to buy back the product or increase the account value to forgo product guarantees, it may also present both brokers and investors with a less-than-clear picture of the financial benefit to the investor as well as the challenge of finding a similar product with the features included in the prior product.


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When it comes to consumer products, it seems as though Apple
is always on a quest to make each generation thinner and lighter than the
previous. When Apple announced
the iPad 2, it slimmed down to a thin 0.34 inches with weight coming in at
just 1.33 pounds (Wi-Fi version).
Samsung isn't about to let Apple hog all the glory when it
comes to thin tablets, and that is clearly the case with its new 8.9" and
10.1" Galaxy Tab. Both are 0.33 inches thin, just barely edging out the
iPad 2. The tablets are light too, coming in at 1.04 pounds (8.9") and
1.31 pounds (10.1").
Both tablets are running Android 3.0 (Honeycomb), but they
are saddled with the TouchWiz UX interface, for better or worse.
Both machines feature a 1GHz dual-core processor, dual
cameras (3MP rear, 2MP front), 802.11a/b/n, Bluetooth, and a screen resolution
of 1280x800. Both tablets will be available in 16GB, 32GB, and 64GB capacities.
Battery capacity is 6000 mAh for the 8.9" model and 6800 mAh for the
10.1" model.
"The GALAXY Tab 10.1 and 8.9 are remarkable examples of
Samsung's constant innovation and show our dedication to designing premium
tablets that fit the unique needs of consumers around the world", said JK
Shin, President and Head of Samsung's Mobile Communications Business. "By
combining Samsung's innovations in design and display with our exciting new
user experience, we've created a new class of products that will lead the
tablet market."
Pricing for the 16GB and 32GB 10.1" Wi-Fi models rings
in at $499 and $599 respectively -- these models will be available on June 8 according
to Engadget. The 16GB and 32GB
8.9" Wi-Fi Galaxy Tabs will be priced at $469 and $569 respectively – no
word on availability yet.
Versions of the 8.9" and 10.1" Galaxy Tab with integrated 3G
capabilities will also be available, but pricing hasn't been announced.


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Even though the iPhone does not launch for 11 days, the hype
surrounding the latest Apple gadget continues to explode. More than 64
percent of American users and 56 percent of British mobile phone users have at
least heard of the iPhone.
While the iPhone will be an expensive product -- priced at $499
and $599 for the 4GB and 8GB model respectively-- and users will have to sign
an exclusive contract with AT&T, many consumers seem unfazed.
According to a study done by M:Metrics, almost 1 in 10 mobile phone users
in the United States have "a strong interest" in purchasing an
iPhone. Of the 11,064 people polled for the study, 67 percent are
subscribers of a service besides AT&T.
Further research suggests that as
many as 19 million Americans are interested in purchasing an iPhone.
"This is an early indication that AT&T's strategy
to use the device to lure customers from competitors could play off," said
Mark Donovan, M:Metrics senior analyst.
Analysts also expect AT&T iPhone users will spend an
additional $20 per month on data service charges that average AT&T
subscribers do not use.
Apple and AT&T have an exclusive agreement for at five
years, meaning people wanting the iPhone will be forced to use AT&T.
Analysts expect T-Mobile and Sprint Nextel to be hurt most by the deal.
Apple plans to have up to 3 million
iPhones for the scheduled launch on June 29.


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You are logged in as:
Your tax invoice can be downloaded on flysaa.com under Manage & Fly 72 hours after the e-ticket has been issued.
If a Tax Invoice has been successfully generated from the South African Airways Tax Invoice System, the onus rests on the recipient to ensure that his/her mailbox has enough space to receive an e-mail - with a PDF attachment; and that his//her service provider or exchange server allows for delivery of such e-mails. South African Airways, can not take responsibility for undelivered e-mails due to any other reasons beyond our control including the above.
Prescribed details required from the South African Revenue Service on a tax invoices
Tax invoices must ordinarily reflect the following details as prescribed by the South African Revenue Service Act, 1997 (Act No. 34 of 1997):
Johannesburg, 3 March 2014 – South African Airways (SAA) is investigating the possibility of utilising the in-flight relief pilot programme as a direct and meaningful contribution towards the development of future pilots for the airline industry. This is in line with the strategic objectives of the airline's new long-term strategy, Gaining Altitude. The strategy requires SAA, among other things, to contribute towards skills development.
Suggestions made that the introduction of this programme means lowering of standards are both reckless and spurious.
"We have taken a decision to investigate the possibility of putting together a programme that will assist entrants to the airline's Cadet Pilot Training Programme who have successfully completed the initial training. This will enable them to receive more training in-house and acquire much needed experience in their journey towards becoming fully fledged Airline pilots," said acting Chief Pilot, Captain Sandy Bayne. "Nothing about the minimum requirements to become a First Officer with SAA changes," he emphasised.
SAA has decided to explore the possibility of providing training for cadets in-house as a way of familiarising them as early as possible during their development with the SAA culture and philosophy. Once enrolled in this programme, they will serve as In-flight relief pilots or Second Officers only on long-haul flights.
The introduction of this programme neither replaces nor alters the requisite standards and proficiency levels to become a pilot with the airline. SAA pilots are recognised world-wide for their stringent training. They are subject to annual and ad-hoc audits by the local Civil Aviation Authority as well as audits by its codeshare partners. The International Air Transport Association (IATA) runs a full operations safety audit on SAA every two years.
As part of their training and development, the In-flight relief pilots will be deployed on long-haul flights where they will get exposure in certain areas. They will be expected to meet the high standards required by the SAA Training department and will be continuously subjected to rigorous development and assessment. It will take them approximately three years before they could start training as First Officers on the airline's narrow body aircraft.
"The much talked about 250 flying hours will form part of the requirements to join as Second Officers in line with international best practice which many airlines across the globe follow," added Bayne.
As the airline's new strategy places much emphasis on performance excellence, SAA will therefore continue to promote through its training programmes the maintenance of high standards, consistent with its good safety record which has become synonymous with the airline.
For those interested in applying for positions with SAA as First Officers, the minimum requirements remain 1 500 flying hours and a Commercial Pilot's Licence. In addition, a candidate must have operated a twin-engined aircraft for at least 200 hours.
About South African Airways
South African Airways (SAA), Africa's most awarded airline, operates to 40 destinations worldwide.
In its domestic market SAA has an extensive schedule operating 556 flights in total per week between Johannesburg – Cape Town, Durban, East London and Port Elizabeth, from its Johannesburg hub, as well as code-shared flights between Lanseria – Cape Town and Durban. SAA offers more frequencies than any other airline in South Africa.
Regionally, SAA offers 24 destinations across the African continent including Abidjan, Accra, Blantyre, Brazzaville, Cotonou, Dakar, Dar es Salaam, Douala, Entebbe, Harare, Kinshasa, Lagos, Libreville, Lilongwe, Livingstone, Luanda, Lusaka, Maputo, Mauritius, Nairobi, Ndola, Pointe Noire, Victoria Falls and Windhoek.
SAA's international network creates links to all major continents from South Africa through 11 direct routes and code shares, with daily flights from Johannesburg to London (Heathrow), Frankfurt, Munich, Mumbai, Perth, Hong Kong, Beijing, New York, Washington, Sao Paulo and Buenos Aires. SAA has codes share agreements with 27 other airlines across the markets it serves. The airline has extended its code share agreement with Mango, its low cost operator, to also include coastal cities in South Africa (between Johannesburg and Cape Town, Durban, Port Elizabeth and George), as well as Johannesburg – Bloemfontein; Cape Town - Bloemfontein and Cape Town - Port Elizabeth.
SAA's core business is the provision of passenger airline and cargo transport services together with related services, which are provided through SAA and its four wholly owned subsidiaries: SAA Technical; Mango its low cost carrier; Air Chefs, the catering entity of SAA and South African Travel Centre (SATC).
SAA is a Star Alliance member which offers more than 21,900 daily flights to 1,328 airports in 195 countries. SAA is the winner of the 'Best Airline in Africa' Award in the regional category for eleven consecutive years. Mango and SAA hold the number one and number two successive spots as South Africa's most on-time airlines.
For more information contact:
Tlali Tlali (Mr)
SAA spokesperson
Mob: +27 82 333 3880
Email: firstname.lastname@example.com


text:
Don Williams tours represent one of two of the most popular genres in the United States, country music and folk music. These styles of music have introduced some of the most successful artists and one of the most enthusiastic fan bases in all of music. View the listings below for upcoming tour dates and Don Williams tickets.
Though country music was originally performed on a local level or in family or town settings, it eventually found its way into the radio, television, and concert tour businesses. Today, performers like Don Williams, Tim McGraw, and Carrie Underwood have huge fan bases and manage to sell out concert halls around the world. These performers use guitars, bass, drums, and even harmonicas or banjos to create a distinctive, twangy, and down-to-earth sound.
Folk music is a traditional form of music that was revived when popular mainstream artists brought back old folk songs. Bob Dylan is one of the performers who is widely credited with reviving the art. Other popular artists include Lynyrd Skynyrd and K.D. Lang. Usually, folk music is rooted deeply into a country's culture and heritage and is passed down from generation to generation. Buy your Don Williams tickets from TicketNetwork today and enjoy music that's close to home.


text:
Before I merge this into the "Everything Bargnani" thread in a couple days, just thought I'd do a poll and discussion on what fans thought of Andrea now. Not really the "Face of the franchise" pressures like season's past now with DeMar and Lowry stepping up, but since camp started, following him through preseason and the first 5 games he definitely isn't the star fans once dreamt he'd be. Still a solid contributor to our team, but considering the pressure might have lessened this season compared to prior ones, did you kind of expect him to step up somewhat?
Just curious to know what the rest of your think.


text:
Twitter: @ReubenJRD NBA, Raptors writer for Daily Hive Vancouver, Toronto.
DeRozan shoots 36.0% (10-15) and 41.0% (16-23), Gay 45.1% and 41.1% (Memphis data only). Keep in mind a higher proportion of DeRozan's and Gay's shots are contested.
It will be interesting to see if he can continue to raise these (open shot) percentages and force the defense to guard him more closely. The Raptor wings could certainly benefit from better spacing.
He is just 20, I feel good about his prospects but he is not automatic now.
**Off Topic**
I found Drummond's stats interesting: 71% at rim, 18% 3-9ft, 0% 10-15ft.
Let's hope he gets good enough that he will have to be guarded all the time. The end result will be better percentages shots for the team, which hopefully will translate into wins.
As to Andre Drummond. he has no range whatsoever and throws air balls from the free throw line on a regular basis. He started the season well (for him) making 28 of his 69 free throw attempts (40.6%) in 2012 before returning to numbers which are consistent with his percentage in college (29.5%). Drummond made 14 of his 46 free throw attempts (30.4%) in 2013.
I wanted the Raptors to draft him but I am still not sold whether he was worth the risk.
His knees were my concern but this fall he took and fractured vertebra is scary stuff. I hope it was really just a freak accident and not a sign of things to come for a young man (19) who has been carrying 260+lb for a number of years with very high impact athleticism.
some thoughts
Since Jonas started this year I have been extremely frustrated with the way Casey utilizes his him. One game 20 minutes, the next 10 minutes, then another at 30 minutes. Sometimes he pulls him with 3 fouls(!), sometimes lets him fouls out.
Fast forward post injury, post trade. Casey has given Jonas some good minutes in the past two games, and we've been rewarded with double doubles in both. 2 blocks-per to boot.
I'm making this thread because watching Jonas play, you can clearly see the potential he has to unleash. So I decided to look up the actual stats, and compare to him to say ... #1 draft pick and Team USA candidate Anthony Davis?
Davis hasn't had a great year. In my opinion at least. Others would argue hes doing exactly what they expect of him. I think he was over hyped a bit. By the numbers at least, Jonas is as good, if not better than Davis offensively. Defensively, the stats say Jonas has a better overall % rating, but I'm going to go ahead and say Davis is probably better in this department since he's pretty good at steals, and gets a little under 2x blkpg more than jonas.Code:Rk Player From To G MP PER TS% eFG% ORB% DRB% TRB% AST% STL% BLK% TOV% USG% ORtg DRtg OWS DWS WS WS/48 1 Anthony Davis 2013 2013 39 1084 20.1 .546 .510 9.5 22.0 15.7 5.4 2.3 5.6 11.3 21.4 108 103 1.5 1.5 3.0 .133 2 Jonas Valanciunas 2013 2013 33 708 14.4 .570 .532 10.4 19.2 14.6 7.0 0.7 4.1 16.3 17.0 108 107 0.9 0.6 1.5 .100
But really. I watch Jonas for those dunks. Give this man his minutes and let the kid dunk the ball. Hell, when you're looking at a starting line up of Lowry - Demar - Gay - Amir - Jonas, you'd think Toronto would get all their points inside the paint?!
He's back on the rookie ladder at 9th place.
Tyson Chandler that dirty punk elbowing our JV I yelled at my tv when that he pulled that shit.... should now better, these guys better enjoy this now cause JV is going to get stronger and push back someday.
i was thinking this summers why dont we send him to hakeem olajuwon camp
i really think he could become the next great center
what do you think
whose 'we'?
Its as if you are speaking to the board of directors directly LOL
The Baltic Beast is unstoppable!
JV is already being coached by one of the best centers of all time in Sabonis. JV just needs to concentrate on gaining strength this summer.
I can't wait until next year
Just dropped in to say, I wish JV would get more touches and get a chance to test out his offensive skillset more. We need way more points in the paint to win games, too much perimeter play. For the good of the franchise we need JV to get more plays.
I love Rudy Gay gets JV the ball when JV wants it.
Plus, that nasty dunk he had on Nene was awesome, and the reaction/scream afterwards was icing on the cake.
Twitter: @ReubenJRD NBA, Raptors writer for Daily Hive Vancouver, Toronto.
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This boybrief panty is borrowed from the guys, but looks fabulous on you! Be a fashionable fan on game day and every day! Support the Nebraska Corn Huskers in this boybrief that features a white stretch waistband and seam detailing. Faux fly front features a collegiate logo on the left side, and the back sports a larger logo. Made of soft combed cotton/elastane.
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text:
No performances
Be among the first to know about our new productions and have the opportunity to book ahead of the general public. Membership costs as little as £43 per year.
Theatre Royal Bath Gift Vouchers are available in various denominations for theatre seats in all of our three auditoria.
There is so much more to enjoy - the Theatre Royal has a range of eating and drinking establishments on site.
Box Office: 01225 448844 the egg: 01225 823409 Administration: 01225 448815
Theatre Royal Bath, Sawclose, Bath BA1 1ET. Theatre Royal Bath is a registered charity no. 277723


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text:
The latest carmaker
to get a substantial amount of money is Fisker. The U.S. energy
secretary Steven Chu announced yesterday that Fisker had been granted
a $528 million loan for advanced vehicle technology development.
Specifically the conditional loan is to be used for the development
of two different plug-in hybrid lines.
The development of the
two plug-in hybrid lines is expected to offset millions of tons of
greenhouse gas emissions and save hundreds of millions of gallons of
gas. The new production and design work is expected to create or save
about 5,000 jobs in America at parts suppliers.
investment will create thousands of new American jobs and is another
critical step in making sure we are positioned to compete for the
clean energy jobs of the future," said Secretary Chu. "Plug-in
hybrid electric vehicles could revolutionize personal transportation
and cut our dependence on foreign oil, not to mention give us cleaner
air and less carbon pollution."
The $528 million loan was
granted as part of the Advanced Technology Vehicles Manufacturing
Loan program. Additional loans from the program will be granted in
the coming months to small and large automakers alike.
will use $169.3 million of the loan funds for engineering integration
costs as it works with U.S. suppliers to complete the Karma. The
engineers will also design the tools and develop the manufacturing
processes needed for production. The work will be conducted in the
Fisker Pontiac, Michigan office. The final assembly of the Karma will
be conducted overseas, but 65% of the Karma will be sourced from U.S.
The bulk of the loan funds -- $359.36 million --
will be used for a project at Fisker called Project
Nina. This project centers around the manufacture of a plug-in hybrid
for the U.S. market and the estimate is that 75,000 to 100,000 of
these will roll off assembly lines each year starting in 2012.
Project Nina got its name from the ship Christopher Columbus used to
discover the new world.
The upcoming Fisker
Karma has a fuel economy rating of about 67 mpg.


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NCUA Names Avalos Region IV Associate Director
NCUA Chairman Debbie Matz today announced the selection of Milagro Avalos to be associate regional director-programs for the agency's Region IV office in Austin, Texas.
Avalos joined NCUA in 1999 after 13 years in the credit union industry and in the auditing profession. Prior to her selection as associate regional director, she served as a division of supervision analyst and a supervisory examiner in Region II and as a field examiner in Region II and the former Region VI.
She has received recognition as examiner of the year, supervisor of the year, and the NCUA equal employment opportunity achievement award.
Avalos holds a master's degree in business and leadership from Liberty University and a bachelor's degree in accounting from Strayer University.


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Retirement Money at Former Employers Sits for Five Years of More: Cogent
Three out of four investors or 71% with retirement money in a former employer's plan have kept those assets there for five or more years.
That's according to new data from Cogent Research, which found that keeping retirement funds parked at former employers is a trend that increases with the age of the employee.
Based on a nationally representative survey of over 4,000 investors with $100,000 or more in investable assets, excluding real estate, the Cambridge, Mass.-based Cogent found that the pool of rollover assets continues to hover around $300 billion.
"After fighting inertia for so long, we found it requires several influencing factors to motivate investors to move idle assets," said Antonio Ferreira, Cogent managing director and co-author of the report, Investor Rollover Assets in Motion.
"We know that major life events like changing employers or entering retirement will shake things up, so it is vital for providers to tailor their messaging to capitalize on these events," Ferreira added.
Once prompted into action, Cogent found that the primary reason influencing investors' selection of a rollover provider is an existing relationship. The firm said brand familiarity trumps all other criteria including investment performance, range of investment options, ease of doing business, and low fees and expenses.
The best rollover individual retirement account target is an existing customer who is familiar, comfortable, and satisfied with their relationship said Sonia Sharigian, Cogent project director and co-author of the report.
"Firms need to spend more time in their own backyard wooing idle or orphaned assets held by customers through better communications. It seems so simple, but customers need to be courted," Sharigian said.


text: It's Moms O'Clock, which means it's the right time for you to check out the freshest, the classiest and the steamiest hot moms porn pics out there! We add more older women porn categorized for you every hour, cum back here whenever you feel like some raw nude mom sex galleries! We take pride in our selection of catchy, superior-looking mature porn & sexy moms xxx pictures. Bookmark Moms O'Clock for round-the-clock free mature sex fun!


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Bills to Pay Board Members Get Airing in Washington Legislature
Credit union leaders met with state legislators this week to voice support for two bills that would give Washington's state-chartered credit unions the option to pay their board members and expand investment options.
The Northwest Credit Union Association helped craft House Bill 1582 and Senate Bill 5302 that were reviewed at state committee hearings in Olympia, Wash., on Thursday. If the bills are approved and signed by the state's governor, Washington will become the ninth state to allow credit unions to compensate board members.
Georgia, Louisiana, Minnesota, Mississippi, New Hampshire, North Dakota, Pennsylvania and Texas permit state-charted credit unions to pay their board members, according to NASCUS and Washington's Department of Financial Institutions.
In addition to giving Washington credit unions the option to provide board members with "reasonable compensation," both bills would give credit unions the option to compensate supervisory committee members.
As the proposed law is written, a credit union "may pay its directors and supervisory committee members," but there is no wording in the proposed law to require credit unions to pay directors.
"These reforms are clearly needed and will help our businesses in a very practical way," Christina Lethlean, president/CEO of the $1.2 billion Gesa Credit Union in Richland, Wash., told the House Business & Financial Services Committee. "So as CEO of Washington state-chartered credit union, please help me and my members and my community by modernizing and improving our state (credit union) act."
For the $11 billion, 800,000-member BECU in Seattle, the proposed legislative change will benefit the credit union movement.
"From BECU's standpoint, we are definitely in support of credit unions to have the option of compensating board members and for credit unions to have that conversation with their board and members to see if it makes sense for them," said Tom Berquist, BECU's marketing manager.
"I think given the complexity of board work these days with added regulatory and fiduciary responsibilities," Berquist said, "credit unions are going to have to attract board members with certain skills, and we think having this (compensation) option available would be very good for the credit union movement in strengthening boards."
The House and Senate bills also would allow Washington credit unions to make investments with a "registered investment company or collective investment fund, as long as the prospectus of the company or fund restricts the investment portfolio to investments and investment transactions that are permissible for credit unions."
The bills also include a provision that if an investment later becomes impermissible because of a change in circumstances or law or if it's determined the investment will have an adverse effect on the safety and soundness of the credit union, the state's regulator would be authorized to order the credit union to divest.
Earlier versions of the Senate bill contained a provision that would allow credit unions to access supplemental capital. But that provision was removed because of opposition from the Washington Banking Association, the NWCUA said. The supplemental capital provision in the House bill also has been dropped.


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I should have expected a game like this against OKC...but fck man am I embarrassed. The Raps look like a bottom 10 team like a lot of reporters are predicting. I get that its hard to bring in a new PG to run the team...plus many other new players...but come on. This is ridiculous. There is no progression in the Raps 4 games of play to say they are figuring each other out. I realize its only 4 games deep but come on.
Something else I've wondered...why the hell wasn't Bargs playing basketball in the summer? He looks exactly like someone that took the summer off.


text:
Monthly NCUA Economic Video Includes Hurricane Sandy Analysis
Credit unions with members directly impacted by Hurricane Sandy will likely experience an increase in loan delinquencies, NCUA Chief Economist John Worth said in the regulator's November video economic update, released Monday. However, Worth also said as storm recovery progresses, homeowners and businesses replacing damaged property may boost loan demand.
The November economic analysis, available on the NCUA's YouTube channel, also includes economic trends and discussion about the potential impact that recent events, like Hurricane Sandy, will have on credit unions.
"Overall, the economic statistics released over the past month have been modestly better," Worth said. "The economy is showing signs of solid economic and job growth which provide key support for credit union fundamentals going forward."
Economic trends cited by Worth in the video include improvement in the national labor market, consumer confidence and home prices.


text:
Kronolith is the Horde calendar application. It provides a stable and featureful individual calendar system with integrated collaboration and scheduling features. It makes extensive use of the Horde Framework to provide integration with other applications. It implements a solid, stand-alone calendar system, allowing repeating events, all-day events, custom fields, keywords, shared calendars, iCalendar support, generation of free/busy information, and managing multiple users through Horde Authentication.
Wing IDE is a software development environment for Python. It provides powerful editing, code intelligence, refactoring, testing, debugging, and search capabilities that reduce development and debugging time, cut down on coding errors, and make it easier to understand and navigate Python code.
An automated solver for the "Black Hole" and "All in a Row" solitaire/patience card games.
A Step 7 AWL/STL/PLC simulator.


text: Italian designer Valentino Garavani held his first significant show in 1962 at Florence's Pitti Palace, an appropriate setting for his opulent collection. Gorgeous lace, feminine details, gossamer-like chiffon, and a vibrant shade of red were Valentino's hallmarks. Today, Maria Grazia Chiuri and Pierpaolo Piccioli honor the house's heritage while adding more modern touches.


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The fight to end child trafficking continues
One year ago, the Trafficking Victims Protection Act -- the centerpiece of U.S. policies against modern-day slavery around the world -- expired because Congress failed to reauthorize it in time. Since then, concerned citizens and groups who work to protect children have advocated for the reauthorization bill to be passed.
Below is our latest update from Jesse Eaves, World Vision's child protection policy adviser.
* * *
"Our fight against human trafficking is one of the great human rights causes of our time, and the United States will continue to lead it…"
—President Barack Obama, September 25, 2012
You said it, President Obama! Did you see the president give the first presidential address on human trafficking? If not, you should.
If you did, then you saw the leader of the free world give you a shout-out again and again. From commending faith-based groups and college students for their efforts, to calling out Congress for their failure to pass the Trafficking Victims Protection Act, this entire speech was a nod to the power of your voice.
The battle continues
There's no doubt about it. The Trafficking Victims Protection Act is like Lazarus. It keeps coming back to life! We have you to thank for that.
Six new cosponsors have signed on in the past two weeks. We can expect even more now that President Obama has expressed his support.
Even though the Senate has adjourned until after the election, their offices are still open, and we can still add supporters and get to the magic number of 60 cosponsors.
Is your state listed below? We need your voice!
We've identified some senators whose support can help push us over the edge. If you are from any of these states or know anyone from these states, make a call to ask them to support S.1301 -- and then Tweet or Facebook them and urge them to cosponsor and then vote "yes" on S.1301.
|Carper (D-DE)
Snowe (R-ME)
Lugar (R-IN)
|Levin (D-MI)
Kohl (D-WI)
Inouye (D-HI)
|McCaskill (D-MO)
Reid (D-NV)
Warner (D-VA)
After that, we'll turn our sights to the House of Representatives to make sure that the United States continues to be a global leader in combating modern slavery.
You play a central role in this. Keep it up. Let's give hope to the millions of slaves who we pray will soon be free.
As the president said, "We see you and we hear you." Let's make sure we all follow through and work for the freedom of all people through our voices, our wallets, and our prayers.
Read related posts:
* * *


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Hotel Palazzo Murat | via dei Mulini, 23 | Positano (SA) | Tel: (+39) 089 875177 | PI: 02694580651 | email@example.com


text:
Polo.14knd99 Ralph Lauren Polo Cuffed Jogging Bottoms in Grey
£5.50 Next day delivery by DPD Local - next day delivery is standard for all orders (all orders confirmed before 4pm Monday to Thursday are eligible for next day delivery, if order is confirmed at the weekend the customer should expect delivery on either Monday or Tuesday)
£15 Saturday delivery - on orders placed before 4pm on Friday
£18 delivery to Ireland and mainland Europe - should take around 3 days and is couriered by Royal Mail's International Sgned For service.
Collect in store - customers should allow 24 hours for the order to be processed before coming into store to collect, when coming into store please bring a form of valid ID with you.
Promotion: Standard next day delivery free on orders over £100
Returns Policy
Christmas Returns Policy
Goods purchased for Christmas Gifts can be returned to us up to and including Wednesday 10th January 2018 ( Monday 15th January 2018 for International Sales)
To Cancel Your Order: You have the right to cancel any order for items from chameleonmenswear.co.uk for a full refund, excepting items that cannot be returned for hygiene reasons, such as boxers. You are required to inform Chameleon Menswear of your intention to cancel the order, quoting your order number, within 7 days and via email or writing. If your order has not yet been dispatched we may be able to cancel the order before it leaves us, in all other cases you will need to return the items to us. Items to be returned are your responsibility until they reach us, therefore we recommend that you return items to us via Royal Mail's Special Delivery service.
To Return an Item: If you wish to return an item or items, please return these to us unworn and in their original condition, with the receipt and with labels still attached within 14 days of receiving the order from us, via Royal Mail's Special Delivery service. If the items received are in satisfactory condition we will issue a refund for the goods on receipt. Please allow up to ten working days for the refund to appear on your credit card or bank statement. Please note that you will not be able to return some items due to hygiene concerns. Chameleon Menswear will not pay the cost of delivery for returned items.
To Exchange an Item: Please return the item you wish to exchange as shown above, then purchase the replacement item as a separate transaction. Chameleon Menswear will not pay the cost of delivery for returned items.
For Incorrect Items: Please call us on 02476 550000, taking care to have your order number to hand. Please also be ready to provide us with your name, address, details of the incorrect item, and whether you require a refund or replacement. We will then let you know how to continue with the return.
For Faulty Items: As above, please call us on 02476 550000, taking care to have your order number to hand. Please also be ready to provide us with your name, address, details of the faulty item, and whether you require a refund or a replacement. We will then let you know how to continue with the return. We may either refund, replace or repair your item, which will need to be returned within 30 days of receipt of the items, by Royal Mail's Special Delivery service.
Our Address: Please send all returns to
Unit 25, Chameleon Menswear
West Orchards Shopping Centre,
Please remember to include your receipt. Chameleon Menswear are responsible for returned items only from their arrival with us, so we recommend you send them to us using an insured service such as Royal Mail Special Delivery.
We regret that we cannot receive or process returns, exchanges, incorrect items or faulty items in store.
We regret that we cannot accept returns on underwear for hygiene reasons.
Contact us for infrormation about our returns policy.
We take payment by PayPal and accept most types of credit cards. All credit and debit card holders are subject to validation and authorisation by us and your card issuer to maintain security and prevent fraud. Occasionally we will contact you to ask you for proof of billing and/or delivery address - this usually happens if your PayPal account is unverified or if you are not enrolled in the visa verified programme and are an overseas customer. We are sorry we have to do this but we want to protect ourselves, and our customers, from internet fraud so we work to the highest levels of security.


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50/50: Celebrating Fifty Years of the Hofstra University Museum
This anniversary exhibition highlights the breadth and depth of the collection through just 50 of the 605 acquisitions donated since 2006. The featured works include paintings, prints, photographs and drawings by 20th and 21st century American, Latino and European artists such as Luis Cruz Azaceta, Henri Cartier-Bresson, Stanley Brodsky, Lucien Clergue, Yonia Fain, April Gornick, Robert Kipniss, Howardena Pindell, Robert Rauschenberg, Donald Resnick, Alison Saar, W. Eugene Smith and Stanley Twardowicz, among others. Additionally, the exhibition includes Pre-Columbian figures and vessels as well as early to mid 20th-century African masks.
This exhibition runs from Tuesday, February 5 - Thursday, March 28, 2013
Family Programming: 50/50 - The Great Art Caper
February 5 - March 28, 2013
Available during Museum open hours
Pick up Great Art Caper materials while in the Emily Lowe Gallery to enjoy self-guided super-sleuthing. Search for hidden clues in the works in the exhibits 50/50: Celebrating Fifty Years of the Hofstra University Museum and We Hold These Truths… and use the clues to complete a message. (This activity is FREE! Registration not required.)
HUM Emily Lowe Gallery (Behind Emily Lowe Hall, South Campus)
Tuesday-Friday, 10 a.m. - 5 p.m.
Saturday and Sunday, 1 - 5 p.m.
Saturday, March 16, 2013
Location:Emily Lowe Gallery (Behind Lowe Hall)
Hofstra University
Hempstead, NY 11549
Website: Click to Visit
Share this Event:Email to a Friend
Save this Event:iCalendar vCalendar
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Windows Live Calendar


text:
It's well understood that Google is
the world's most popular search engine. The company runs over one million data
centers and servers around the world, and is well known by computer users of
all levels from beginners to professionals. But as of late, this success is
being viewed as internet dominance by both the Federal Trade Commission and the
Justice Department.
Google is
an American multinational public corporation that runs the world's most
successful search engine, and also owns the Android
operating system. The company is also involved in cloud computing and
advertising technologies. It was incorporated as a privately held company in
1998, with its initial public offering in 2004. The company has grown
tremendously over the years, and now processes over one billion search requests
per day.
Google is looking to expand its presence even more by purchasing ITA Software Inc.,
which is an airline ticketing software company. This transaction will cost
Google $700 million if it decides to go through with the purchase.
But this
purchase could cost Google more than just the $700 million. According to recent
reports, the FTC is looking to launch an antitrust investigation of
Google's internet dominance, but the investigation will be pursued only if the
Justice Department decides whether it will challenge the ITA Software
The FTC
and the Justice Department are not the only agencies looking into Google's web
dominance. Last November, the European Commission launched a
similar investigation, and last week, Microsoft filed a complaint with European
antitrust regulators because of Google's
growing presence
and power over web search competition.
to Bloomberg, the Justice Department
is expected to announce its decision soon, but there is no set time or date at
this point.


text:
The quote, "Trust everybody, but cut the cards," is attributed to Finley Peter Dunne, a Chicago-based writer, author, and humorist. Dunne was a friend of Samuel Clemens, better known as Mark Twain. The anti-fraud provisions of the Investment Advisers Act were passed to ensure that investors do not get a raw deal from a trusted advisor.
Section 206 of the Investment Advisers Act is the general anti-fraud provision governing RIAs. Even investment advisors who are exempt from registration are still subject to certain anti-fraud provisions found in Section 206. As we will explore further in Scope of the Fiduciary Duty Owed by Investment Advisors, Section 206 also creates a fiduciary duty that is owed by RIAs to their clients, whether they are state or SEC-registered.
Section 206 Statutory Language
Section 206 of the Investment Advisers Act prohibits RIAs from engaging in fraudulent, deceptive or manipulative activities. To avoid violating Section 206, RIAs must not engage in direct or indirect transactions that act as a fraud upon any client or prospective client. Section 206 prohibits misstatements, as well as omissions of material facts. According to the case of Steadman v. SEC, 603 F. 2d 1126, 1134 (5th Cir. 1979), aff'd 450 U.S. 91 (1981), a fact is deemed material if there is a substantial likelihood that a reasonable investor would consider it to be important.
Sections 206(1) and (2) state that it is unlawful for any RIA to utilize any device, scheme, or artifice, in order to defraud any client or prospective client. RIAs must also refrain from engaging in any transaction, practice, or course of business that operates as a fraud or deceit upon any client or prospective client. These sections of the Investment Advisers Act are the foundation of the fiduciary duty owed by RIAs to their clients. For example, it would be deceptive for an RIA to solicit clients with promises of a guaranteed return from certain investments or false statements about the firm's track record. It would also be fraudulent or deceptive for an RIA to assure prospective clients that an investment is risk-free.
Introduction to Fiduciary Duty
Many IARs were in the financial services profession long before they became associated with an RIA. Perhaps, they sold insurance or worked as a registered representative for a broker-dealer. Many decided to work for an RIA or start an advisory firm, so they could focus on giving advice and not selling a particular policy or investment product.
Making the shift from a sales orientation to a fiduciary relationship is not always easy. RIAs owe a fiduciary duty to put their clients' interests ahead of their own and to disclose all material conflicts of interest. For example, an RIA that is still affiliated with a broker-dealer must disclose to clients the potential conflicts of interest that arise from that relationship. When an RIA is dually-registered, clients' transactions must be executed through that broker-dealer, which means that brokerage fees may be higher.
RIAs must also treat their clients impartially and avoid favoring one client over another. For instance, an RIA may not favor one client by giving that person access to potentially lucrative initial public offerings (IPOs). RIAs also owe an affirmative duty to their clients of full and fair disclosure of all material facts. These disclosures are made in the firm's Form ADV, which we will discuss in The New and Improved Form ADV.
As fiduciaries, RIAs must refrain from engaging in prohibited transactions. For example, an RIA may not assign an advisory contract to another firm without the client's consent. Furthermore, RIAs may not use advisory contracts containing contractual language that seeks to limit or avoid their civil liability for mistakes made in managing the client's money. In addition, RIAs must make full disclosure of their fees, investment strategies, and business practices.
Other financial services professionals are not held to this same high standard. For example, registered representatives for a broker-dealer are not usually held to this standard, unless there are special circumstances or state court decisions impose a fiduciary obligation on them. The Dodd-Frank Act ordered the SEC to study whether RIAs and broker-dealers should be subject to a uniform fiduciary standard. That study was released in January, 2011, and recommended that broker-dealers be subject to the same fiduciary standard as RIAs. It remains to be seen if there will be a harmonization of the fiduciary standard applied to RIAs and broker-dealers. AdvisorOne reported in a posting on December 1, 2011, that industry and consumer officials are unsure if and when the fiduciary mandate will come to pass. The SEC is being pressured by Capitol Hill to conduct a more robust economic analysis of the fiduciary standard's impact. There is also concern that the fiduciary standard will be challenged in court.
It is not always clear-cut as to whether an IAR owes a fiduciary obligation to clients. For example, IARs of an advisory firm may hold a license to sell insurance. When IARs stop giving investment advice and begin selling insurance to clients, they do not necessarily owe a fiduciary duty to them. Much depends upon the facts and circumstances of the situation. Nevertheless, the fact that an IAR may earn commissions from the sale of insurance policies must be disclosed to clients in the RIA's Form ADV, which is the firm's disclosure brochure.
As we move forward in this book, we will pay special attention to the rules implemented by the SEC to flesh out the obligations owed by virtue of Sections 206(1) and (2). These rules help clarify the act, passed by Congress. For example, restrictions on advertising are found in Rule 206(4)-1 under the Act. State-registered RIAs are governed by similar state regulations that are often modeled after SEC rules. Some states incorporate—by reference—SEC rules in lieu of creating their own regulations.
The Big Picture
In response to an article I wrote for RIABIZ.com, an IAR took issue with my statement that advisors should act like fiduciaries in their dealings with prospective clients. The IAR stated that there is no duty to act like a fiduciary until the parties enter into a legally-binding relationship.
RIAs and IARs should view themselves as fiduciaries at all times, whether they meet the legal definition or not. If they deviate from the fiduciary standard of full disclosure while courting clients, they will cause themselves significant problems down the road. I would hate to think that IARs tell themselves they are not a fiduciary yet, so they can be less than forthcoming in their marketing efforts and interactions with prospective clients. They are still bound by the requirement in Sections 206(1) and (2) that requires them to avoid fraud and deceit in their dealings with prospective clients.
Policies and procedures can help to ensure that RIAs and IARs avoid fraudulent, deceptive, or manipulative conduct. They can also improve the odds that the firm and its employees fulfill their fiduciary obligations.