text:
Today we are excited to introduce the three newest companies to graduate from the Jakarta Founder Institute. After four months of mentorship and training, EloKu, Pouch, and TicBox are now ready to be launched "into the wild". The three startups were recently featured on DailySocial with a brief overview of each company's platform. A more indepth review is scheduled to come out on DailySocial in the next few weeks, so stay tuned for more details.
For now check out the grads below and click here to read the full article.
- EloKu: ELoKu's platform allows users to track and trace shipped goods via Android, iPhone or mobile browser, providing estimated time of arrival and updates throughout the shipping process.
- Pouch: Pouch is a mobile customer loyalty and retention platform that can be used by merchants to replace their conventional, card based reward program. Pouch made Founder Institute headlines recently after being one of the first companies to launch their product prior to graduation.
- TicBox: TicBox is an online crowd-sourcing platform that helps companies conduct credible and fast online surveys at affordable prices in Indonesia.
According to DailySocial journalist Rama Mamuaya, this session of the Jakarta chapter focused on quality over quantity, as it was significantly smaller than previous semesters. He believes "the three graduates will be more concentrated, well-focused and of course well-filtered according to JKTFI's standards, which is not an easy walk in the park".
Check out additional coverage of the Jakarta FI Grads here:
- Yahoo! and Tribun News: Jakarta Founder Institute Luncurkan Bisnis Berbasis Online
- CHIP Online: Jakarta Founder Institute Luluskan Tiga Startup Baru
- TeknoJournal: Eloku, Pouch dan Ticbox – Tiga Produk Baru di Bidang Teknologi Informasi Lulusan Jakarta Founder Institute
- Market+: Founder Institute Luncurkan 3 Produk


text:
Center for Responsible Lending Report Attacks Bank Payday Lending
The Center for Responsible Lending, an affiliate of the $410 million Self-Help Credit Union in Durham, N.C., has issued a report attacking six banks for continuing to offer loans it says carry very high interest rates and behave like payday loans.
The six banks are Wells Fargo, U.S. Bank, Regions, Fifth Third, Bank of Oklahoma and its affiliates and Guaranty Bank.
None of the banks named has yet responded to requests for comment on the report, but Wells Fargo has a Frequently Asked Questions document on its website about its Direct Deposit Advance program, the loan program named in the center report.
"It is important to note this service is an expensive form of credit designed for short-term borrowing needs," the Wells Fargo FAQ reads. "Alternative forms of credit may be less expensive and more suitable to your long-term financial needs. Talk to your Wells Fargo banker for more details."
Triple-Digit Danger: Bank Payday Lending Persists is an update of a similar report that the CRL prepared in 2011. In that report, the organization alleged payday lending taking place, under different names, at the six banks. The new report updated the last by indicating that the lending was still going on and documenting some of its effects.
First, interest rates on the money are still very high. According to the report, an average 12-day loan at one of the banks would run between 225% and 300%.
Second, the median number of loans that an average borrower would take out is 13.5 while more than 33% took at more than 20.
Third, depositors that use the loans are twice as likely as others to incur overdraft fees and more than 25% of borrowers also receive Social Security payments.
The report also blames the loan's structure for helping to force borrowers into taking out multiple loans.
"The fundamental structure of payday loans—a short loan term and a balloon repayment—coupled with a lack of traditional underwriting makes repeat loans highly likely," the report contended.
"Borrowers already struggling with regular expenses or facing an emergency expense with minimal savings are typically unable to repay the entire lump-sum loan and fees and meet ongoing expenses until their next payday," it said.
"Consequently, though the payday loan itself may be repaid because the lender puts itself first in line before the borrower's other debts or expenses, the borrower must take out another loan before the end of the pay period, becoming trapped in a cycle of repeat loans," the report said.
The report acknowledged that the banks assert that they have safeguards such as installment payments in place to keep the loans from becoming too financially burdensome. But the report charged the banks make the safeguards too difficult to use and that the number of loans per borrower strongly suggested they were ineffective.
In Wells Fargo's case, for example, the report said the installment loan program is only open to borrowers who have already taken out three conventional direct deposit advance loans and owe more than $300 on existing loans.
The report calls on federal financial regulators to shut down the loan programs as they are currently structured and only allow them to restart under terms much more favorable to borrowers, including allowing what it called "affordable" installments and capping interest at 36%.

subset: commoncrawl


text:
Wi-Fi Alliance has announced a new Wi-Fi specification that allows
devices to directly connect to each other. The new specification is
called Wi-Fi
Direct and it has launched today.
alliance has started to certify products for Wi-Fi Direct already and
so far there are five certified chipsets ready to be integrated into
devices from companies like Atheros, Broadcom, Intel, Ralink, and
Realtek. The goal of the new specification and hardware is to allow
devices to directly connect to each other to exchange data like files
and images without needing a hotspot.The interesting part of
the new specification is that only one of the devices needs Wi-Fi
Direct. Any Wi-Fi enabled device can connect to the Wi-Fi Direct
device and both devices can share data over the connection."We
designed Wi-Fi Direct to unleash a wide variety of applications which
require device connections, but do not need the internet or even a
traditional network," said Edgar Figueroa, CEO of the Wi-Fi
Alliance. "Wi-Fi Direct empowers users to connect devices
- when, where and how they want to, and our certification program
delivers products that work well together, regardless of the
brand." Wi-Fi Direct is a software suite that will
"at some point" be offered for download
wirelessly to a device. Presumably that will mean existing
devices can take advantage of Wi-Fi Direct as well. The new
specification is also secure with connections using WPA2
authentication and encryption. These security protocols are
automatically part of launching a Wi-Fi Direct connection.The
new specification has other uses as well and Rob Enderle, an analyst
from Enderle Group said, "[Wi-Fi direct will evolve into a way
for users to] piggyback on a Wi-Fi Direct network connection and then
connect to the Web where you might otherwise not be able to."


text:
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Karaoke with DJ Brian K at 12 Penny Saloon every Wednesday evening of the week starting 10:00pm. Sing a song and be a star at the 12 Penny!
Dance the night away in 12 Penny Saloon fun dance club. DJ Brian K and DJ Roy kick it up with awesome music, video and light shows all night long!
Triumph Brewing Company is pleased to announce its Open Jam every Sunday night of the week! Each Month Triumph Brewing Company will be featuring a band that participants can jam with. So if you play guitar and want a full band behind your performance, we can provide it. Don't worry if you prefer to perform solo, you can as well!
New Hope's only and very famous Sunday Tea with Live DJ!!
A celebrated destination for LGBT travelers. New Hope Highlights its electic and gay-friendly community year-round! Dance the night away during events at the popular Raven Restaurant.
Fantasy Fridays only at 12 Penny Saloon every last Friday of the month. Hosted by Gracie Freebush. New performers every month.


text:
Note : Your Quotation Request will be directed to Coaxicom.
The 2917-24A-7 from Coaxicom is a RF Connector with Frequency DC to 4 GHz, VSWR 1.30:1, 1.15:1. More details for 2917-24A-7 can be seen below.
6 GHz, 4.3-10 Male Straight Connector
You can now find similar products from multiple companies on everything RF.


text:
Firefox has its plate full when it comes to security. It has grown a substantial enough market share to place it in a strong second after Microsoft. This gives it a high profile and leaves it a desirable target to be exploited by hackers and malware writers. Worse yet, it has less money to fund security efforts that Microsoft, and according to some experts, less focus as well.
While small market share browsers like Opera and Chrome have built a reputation on their security (with Safari, being a noticeable exception, have a reputation for insecurity), Firefox continues to plod along in a day to day fight, trying to remain a secure platform while dealing with the challenges of browser celebrity.
Perhaps for this reason, Bit9, an application whitelisting firm that helps employers block employee access to certain apps, placed Firefox on the top its list of most vulnerable apps. The remaining spots on the list were filled out with more familiar names, with two through twelve respectively being: Adobe Flash & Acrobat; EMC VMware Player, Workstation, and other products; Sun Java Runtime Environment; Apple QuickTime, Safari, and iTunes; Symantec Norton products; Trend Micro OfficeScan; Citrix products; Aurigma and Lycos image uploaders; Skype; Yahoo Assistant; and Microsoft Windows Live Messenger.
The Bit9 study looked at several factors in ranking vulnerability. One factor was how popular the applications were. Another factor was how many known vulnerabilities existed, and how severe they were. Lastly, it looked at how hard patching was for the particular application.
In order to make the list, programs hand to run in Windows and not be centrally updatable via services such as Microsoft SMS and WSUS. Many say that the survey was unfair to Apple products because it kept easier patched Microsoft applications off the list.
In some ways, though Bit9's list is a useful benchmark. It aptly points out that many networks have Firefox installations running on machines, without the system administrator being fully aware of the instance of these installs. Thus, despite the fact that most of the vulnerabilities looked at have been patched, the installs may not receive these patches immediately, until the employee upgrades to the next edition of the browser.
The study's conclusions only marginally apply to the consumer market. However, when it comes to the business market, the study argues that picking or allowing employees to run Firefox, even with its security plug-ins, is a ticket to the IT danger zone as malware increasingly targets application layer targets such as Firefox.


text: I thought it's about time our new world champion deserves her own news thread! She has been so great this season and I am so happy for her ... Who would have thought that after three major meltdowns and being ripped apart and written off by the Italian media and the majority of people, she would come back this confident and win pretty much everything this season! I really look up to her for never giving up and fighting for her dream. It must have been so hard for her but her love for figure skating kept her going and I admire her for that She has been mighty busy since Worlds, here are some news from the past two weeks: Photos from the reception in her hometown St. Ulrich/Urtisei: http://www.stol.it/Artikel/Panorama-im-Ueberblick/Panorama/Grosse-Feier-fuer-Carolina-Kostner On the red carpet with Roberto Cavalli at the screening of her show "Opera on Ice" in Milan (btw, there will be a second show on September 22, more info on www.operaonice.eu): https://twitter.com/#!/Roberto_Cavalli/status/190722124149821440/photo/1 Photos from the award ceremony where she won the "athlete of the year" award in South Tyrol: http://www.stol.it/Artikel/Sport-im...er-und-Roland-Fischnaller-Sportler-des-Jahres Receiving the "key" of the city of Verona (I don't know what is up with that but it seems to be a great honour): http://www.youtube.com/watch?v=Aoh24Zc-DV8


text:
We couldn't help but notice that tassels have been trending lately... Spotted on shoes, bags, clothes, and jewelry, the latter is definitely the instant outfit pick-me-up for spring and summer!
Whether on your necklace or on your bracelet, Chamilia's tassel jewelry give a sweeping, slinky nod to roaring 1920s glamour - all with a modern and personalized touch! We got a little extra creative and added them to our hoop earrings too! Check it out!
In case you hadn't noticed, we've been all over this look over the last few months. Here's a recap of some of our creations and pics from Instagram. Enjoy!


text:
Submit News
Samsung to Break Another Profit Record, Creeps Closer to Apple
Jason Mick
April 5, 2013 12:34 PM
Recipient E-mail
Sender E-mail
(Source: Getty Images)
And that's all without the Galaxy S IV
Apple, Inc. (
) won't announce its fiscal Q2 2013 (calendar Q1 2013) quarterly earnings until April 23, but South Korea's Samsung Electronics Comp., Ltd. (
), has already started things off with a bang,
impressive earnings guidance. The record profits come before the company even started shipping its flagship smartphone,
the Galaxy S IV
, which will go on sale later this month.
I. Samsung Approaches Apple in Profitability
With Apple predicted to draw $10.1B USD, Samsung showed just how close it is getting to the American firm in profitability. Samsung's earnings guidance suggests an 8.7T won ($7.7B USD) profit, up over 50 percent from the 5.7T won ($5.0B USD) profit it
posted in the first calendar quarter of 2012
. Samsung predicts sales of around 52T won ($45.93B USD).
That's a bit of a surprise --
a survey
of 10 analysts by UK-based
Financial Times
, a Pearson PLC unit (
), found an expectation of 8.0T won ($7.0B USD) in profit. A newer compilation
of 39 analysts' predictions showed an average expectation for 8.4T won ($7.4B USD) in profit.
Samsung is nearing Apple in profitability. [Image Source: Cult of Mac]
Samsung's mobile sales are expected to rise around 40 percent on a year-to-year basis. Mobile is expected to post a profit of around 6.25T won ($5.5B USD), remaining Samsung's most lucrative division (Samsung's large component electronics, display, and household electronics units typically post leaner margins).
When you take just the smartphone sales of Samsung's mobile unit, the company appears to be nearly as profitable as its archrival Apple, a feat analysts long thought would be impossible for an Android phonemaker.
It was an eventful quarter for Samsung, which saw Apple's $1.05B USD copyright infringement verdict over it
start to unravel
with a
pair of patent invalidations
by the
U.S. Patent and Trademark Office
(USPTO). Samsung also
scored a 3 percent stake
in rival Japanese TV display maker Sharp Corp. (
), paying around 10.4B yen ($108M USD). The move could be
a threat to Apple's supply chain
, as Sharp is the second largest producer of iPhone displays.
II. Galaxy Phones Outsell iPhones by Almost 2-to-1
Samsung does not announce its unit sales of smartphones, but IBK Securities analyst Lee Seung Woo predicts that the record sales will come on the back of 68.5m smartphones sold globally.
Apple is
, according to the
Financial Times
analyst survey, to have sold around 37m iPhones in the first three months of 2013, indicating a roughly 2-to-1 lead in unit sales for Samsung.
The Galaxy S IV lands later this month. [Image Source: Samsung]
The earnings guidance may further trouble Apple investors who were recently disturbed by a
research note
from Citigroup Inc. (
) analyst Glen Yeung who suggested Apple may
its own earnings guidance. Mr. Young is predicting Apple may make as little as $40.5B USD in revenue (which in turn would indicate a "weaker" profit in the $9B USD ballpark).
He predicts Apple will only move 34 million smartphones for the quarter (almost precisely half Samsung's shipments). In his note he wrote, "In conducting our regular field work with the hardware supply chain, we again find evidence of reduced demand to Apple's suppliers for iPhone 5 related components. While production does not directly translate to sales (for example, we estimate Apple finished 1Q13 (Dec) with [around] 10M iPhone units in inventory), we suspect this is an indication of softer demand for iPhone 5 and iPhone 4S."
Samsung has stated that it hopes to climb to 390m smartphone sales in 2013.
III. Packed Lineup of High-End Hardware Ahead
What's more, Samsung appears to be firing on all cylinders without even unleashing its strongest weapon -- the Galaxy S IV. Excitement for the GSIV -- which packs a bigger screen (5-inches; 1080p), better camera (13 MP) and hands-free gestures -- is running wild. In his note Lee Seung Woo predicts Samsung to sell 82m smartphones in Q2 2013.
The Galaxy S IV is expected to be a top seller this summer.
Nomura Holdings, Inc. (
) analyst Chung Chang Won told
that the GSIV is expected to be a fast seller out the gate, commenting, "Second-quarter profit [April-June] looks even better than the first, as the Galaxy S4 will have a great impact. Samsung's shipments of its flagship smartphone will outpace that of the iPhone sometime in the second or third quarter."
There are more boosts waiting on the horizon as well. Samsung is expected to refresh its popular Galaxy Note tablet mid-year. The company is also rumored to be producing
a superphone with an Intel
Corp. (
) powered processor, which will run Intel and Samsung's co-developed Tizen mobile Linux kernel/UI. And there are rumors of a
6.3-inch Android "Galaxy Mega"
smartphone on the horizon. Last, but not least, Samsung is rumored to be slating a GSIV-like smartphone for release with Microsoft Corp.'s (
) upcoming
Windows Phone Blue platform
this fall.
Like Apple, Samsung is rumored to be developing
a wristwatch-like smartphone/mini-tablet/media-device
In short, Samsung has a packed lineup on the high end while Apple is not expected to launch its iPhone 5S (or iPhone 6, possibly) counteroffensive until June 2013 at the earliest [
IV. U.S. Sales Still Need Improvement, But Samsung Excels in China
If there's one weak spot in Samsung's stellar performance, it's U.S. sales -- which happen to be the strongest spot for Apple. In September-November Apple grew its share of U.S. subscribers to 39.8 percent, while Samsung only reached 21.3 percent. While that balance will likely shift with the GSIV launch, it remains to be seen if Samsung will be able to beat Apple in its home court.
However, Samsung stands head and shoulders above Apple in performance in developing markets. While the iPhone is seen as a status symbol among China's elite, Apple is still
reeling from a PR disaster
regarding poor warranty support in China, which led the nation's state-run media publications to skewer the American firm with scathing articles.
Samsung is performing well in China, even as Apple reels from negative publicity.
[Image Source: Venture Beat]
Glen Yeung -- the same Citi analyst who
an Apple miss for this last quarter -- says that the Chinese boondoggle could cost Apple around $13B USD in sales, owing to ill-will in the nation's largest mobile market.
Samsung meanwhile continues to ascend in Chinese sales and enjoys a warm relationship with the Chinese media. Meritz Securities analyst notes, "In addition to the Galaxy S3, mini models sold well in emerging markets, including China, Brazil and India. Samsung's continued ascent in the smartphone industry seems to be unparalleled."
Samsung on Newswire
"DailyTech is the best kept secret on the Internet." -- Larry Barber
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text:
aren't a science-fiction creation, but many of the things people dream of using
them for still are. In order for any known material to become a superconductor,
it has to be cooled to very low temperatures.
have the unique ability to ferry electrons through their structures with
absolutely no resistance. No resistance means no energy loss. Room
temperature superconductors could
revolutionize everything from the ubiquitous television to basic electrical
infrastructure such as power lines.
While the
breakthrough at Japan's National Institute for Materials Science won't be
bringing these high temperature materials to market, it certainly gives reason for
pause. Research pioneered by an inspired Dr. Takano Yoshihiko (in Japan,
surnames preface given names) has found that ordinary consumer beverages of the
alcoholic kind can enhance the performance of at least one known superconducting
material, FeTe0.8S0.2, is
a known superconductor when soaked in water or exposed to oxygen. After a
business party, Takano began to wonder if the alcohol they had been drinking
would have the same effect on the material as water or water-ethanol solutions.
To find
out, he soaked samples of the material in water-ethanol solutions along with
beer, whiskey, red and white wine, sake, and shouchu (a clear liquor which can
be made from many different crops and is higher in alcohol content than sake)
at 70 degrees Celsius (158 degrees Fahrenheit for the Celsius-impaired)
overnight. The results were gratifying.
found that beverages improved the superconductivity of the FeTe0.8S0.2 up to 62% of the base superconducting
volume fraction. Red wine took the top spot for both superconducting volume
fraction (62.4%) and zero resistivity temperature (7.8 degrees Kelvin).
Meanwhile, shouchu brought up the rear for the beverages, closer to 23% and 7.2
degrees Kelvin respectively. Interestingly, no matter what concentration of
ethanol was used in the water-ethanol mixture, the improved volume fraction
never reached above 15% -- much lower even than the shouchu.
notable discovery was that the alcohol content of the different beverages did
not affect the outcome of the test. Takano postulates that the differences in
improvement are due to the abilities of the drinks to oxidize quickly, thus
supplying the material with the oxygen it needs to become a superconductor and
explaining why wine came out on top of the tests.
The full results of the study can be found here in PDF


text:
First, the Master of Darkness confronts his greatest super-foe, Shiwan Khan, "The Golden Master," in Walter Gibson's landmark novel that inspired the blockbuster 1994 movie.
Then, The Shadow battles The Light in "Death's Bright Finger," a violent thriller by Theodore Tinsley.
Finally, The Shadow and his agents are faced with a "Reign of Terror" in Bruce Elliott's final (and best) pulp novel.
This instant collector's item showcases the classic color pulp covers by George Rozen and Graves Gladney and the original interior illustrations by Edd Cartier and Paul Orban, with commentary by popular culture historian Will Murray.
128 Pages


text:
Find certified Suzuki repair shops and mechanics near you
Suzuki began in 1909 in Japan as Suzuki Loom Works, which manufactured weaving looms. Looking to expand business, Suzuki expanded into compact cars, but was halted during World War II due to passenger cars being "non-essential". Suzuki returned to manufacturing weaving looms during and after World War II until the cotton market collapsed in 1951. Suzuki no longer sells cars in North America.
Suzuki's most reported problem on RepairPal is associated with low beam headlights on some Suzuki Grand Vitara models.


text:
Three Inducted Into Dakotas Credit Union HOF
The Credit Union Association of the Dakotas recently inducted three credit union professionals into the CUAD's Hall of Fame.
The inductees are Marvel Ebenhahn, president/CEO of the $168 million Community Credit Union in New Rockford, N.D.; Patty Pretzer, former marketing vice president for the $328 million Town & Country Credit Union in Minot, N.D, and Dick Schmidt, a board director at the $130 million Service First Federal Credit Union in Sioux Falls, S.D.
Ebenhahn has dedicated 60 years of her life to the credit union movement, promoting its principles while working most of her professional career for Community CU. She was hired as the credit union's first president/CEO, a position she still holds today, the league said.
Pretzer retired in March of 2012 after 26 years with the Town & Country CU. As the marketing VP, she coordinated advertising, promotions, community relations, special events, and member services. She was an active member of the Credit Unions United Chapter in Minot, serving on the board for numerous years and was also a strong advocate for youth financial literacy.
Schmidt has been committed to the credit union movement in South Dakota for the past 40 years. He has championed the underserved, the league said, and urged credit union management and board to look beyond the credit scores of under-served members and focus more on their character and collateral.
He is a frequent volunteer at community events, using his own money and vehicle to provide opportunities for people to have access to the credit unions., the CUAD said, and he has also been active in legislative efforts locally and in Washington DC.
The ceremony was held during the awards banquet at the CUAD's annual meeting last month in Grand Forks, N.D.


text:
Talks between the automotive industry and
Washington continue as both sides try to come to an agreement that sees the
environmentalists in Washington and the Obama administration happy with the
CAFE standards over the coming years. The automakers are fighting for what they
consider a more realistic level of improvement in fuel economy they need to
build into cars each year.
Delegations from Michigan where much of the
automotive industry calls home have raised
concerns about the Obama administration's efforts to come to an
agreement. The delegation from Michigan wrote a letter to Washington claiming
that the proposed fuel economy standards aren't feasible. Automakers fear that
the costs of implementing the fuel economy increases will add enough to vehicle
prices to decrease sales and thereby force job
cuts in the automotive industry.
The letter written by the Michigan delegation
said, "With the Michigan unemployment rate standing at 10.5 percent, we
are unanimous in our concern about the consequences of an excessive proposal,
and we urge you to continue to work closely with U.S. manufacturers who have
the most at stake." The letter continued, "[Congress has urged the
White House to] sit down promptly and at one time with all three domestic auto
manufacturers and the United Auto Workers to work through an acceptable
So far, there has been no agreement between the
two parties. The proposed
fleet standard for 2025 is 56.2 mpg working out to about a 5% increase in fuel
economy each year from now until 2025. The Obama administration figures that
the cost of the tech needed to reach that kind of fuel economy will add about
$2,100 to the cost of each new vehicle. That number has been greatly contested.
Washington already took
a step back from the new fuel economy standards and the increase of
5% in fuel economy each year on light trucks by agreeing to hold trucks and
SUVs to only 3.5% increase each year from 2017 to 2021. Washington and
automakers are also trying to hammer out a deal on work trucks that would see less
stringent standards.


text:
recent reports have glorified Netflix as a new power player in the film industry, and
now, the video streaming giant may be living up to that name more than
ever with its new possible venture into original programming.
A survey recently released by
The NPD Group found that Netflix's total share of both downloaded and
streamed digital movie units is 61 percent, while competitors like Comcast sit
at a lowly 8 percent in comparison. This doesn't seem too surprising,
considering the fact that Netflix has just achieved 20 million subscribers,
and has Hollywood film
executives all shook up and Blockbuster going bankrupt. Until now,
Netflix never mentioned any interest in branching out into original
programming, but all of that has quickly changed.
Netflix may be purchasing its first original program, which is "House of
Cards." "House of Cards" is a Media Rights Capital drama series
that is executive produced and directed by David Fincher, and stars Kevin
Spacey. It is based on the novel, which has the same title, about a British
politician who is looking to succeed Margaret Thatcher as the prime
are still ongoing since they were initially reported Tuesday afternoon.
According to Deadline, Netflix was rumored to have outbid networks
like AMC and HBO for the original series by offering a 26-episode, or two-season
commitment. The total cost for the new series was also rumored to be around
$100 million, but an anonymous executive told The New York Times that this figure
was incorrect and that no deal has been made at this point. He added, "In
the event that a deal is struck, it would cost Netflix significantly
executives were shocked at the two-season commitment, especially because many
networks usually pilot their projects before committing. For instance, HBO
produces a pilot episode for almost all of its shows, including
"Luck" and "Boardwalk Empire." Networks like AMC have
produced straight-to-series projects, such as "The Walking Dead," but
this series only contained six episodes.
While 26
episodes may seem like a risky first venture into original programming, it will
certainly put Netflix to the test and also put its name on the map. With Amazon.com treading into the video streaming world
and Warner Bros. showing movies on
Facebook, it was inevitable that Netflix would take the next big leap into
something new.


text:
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text:
Sometimes baby boys are born with 1 or both testicles inside the abdomen or groin, rather than in the scrotum. This is called undescended testicles . Orchiopexy is a surgery to lower the testicles into the scrotum. The scrotum is the external sac that holds the testicles.
Reasons for Procedure
The procedure is used to treat undescended testicles that do not move down on their own.
Possible Complications
Problems from the procedure are rare, but all procedures have some risk. Your child's doctor will review potential problems, like:
- Testicle moves back up into groin again after surgery
- Damage to or loss of the testicle
- Bleeding
- Infection
- Reaction to anesthesia
- Injury to surrounding structures
What to Expect
Prior to Procedure
Your child's doctor and anesthesiologist will do the following:
- Examine your child
- Do imaging, blood, and urine tests
- Discuss the anesthesia being used and the potential risks
- Discuss the risks of surgery and answer any questions you have
Talk to the doctor about your child's medications or any recent illnesses. You may be asked to have your child stop or start certain medications before surgery.
Other things to keep in mind before the procedure include:
- Bring special toys, books, and comfortable clothing for your child.
- Your child will need to avoid eating for a period of time before surgery. Ask the doctor when your child should stop eating and drinking. For children less than 1 year, it is often recommended that they do not eat after midnight the night before the surgery. Clear liquids such as breast milk, water, and clear juices may be allowed up to 2 hours before the procedure.
General anesthesia will be used. Your child will be asleep during the surgery.
Description of the Procedure
After your child is asleep, the doctor will make a small incision in 1 or both sides of the groin. The testicle is located and examined. If there is a hernia present, the doctor will also repair this.
Next, the doctor will create a pouch in the scrotum. The testicle will be pulled down into this new pouch. Permanent stitches will hold the testicles in place. All other incisions will be closed with stitches. The stitches will dissolve on their own.
In some cases, a small button will be placed on the outside of the scrotum and secured with a suture. This will hold the testicle down until healing occurs. The button will be removed by cutting the suture a few weeks after the procedure.
In most cases, your child can go home on the same day as the surgery.
How Long Will It Take?
1 hour per testicle
How Much Will It Hurt?
Anesthesia prevents pain during surgery. Your child will be given medication to relieve pain or soreness during recovery.
Post-procedure Care
- Your child will be monitored while recovering from the anesthesia.
- Your child will be given pain medications as needed.
During your child's stay, the care center staff will also take steps to reduce the chance of infection, such as:
- Washing their hands
- Wearing gloves or masks
- Keeping your child's incisions covered
There are also steps you can take to reduce your child's chance of infection, such as:
- Washing both you and your child's hands often, and reminding visitors and healthcare providers to do the same
- Reminding your child's healthcare providers to wear gloves or masks
- Not allowing others to touch your child's incision
When your child returns home, you may need to do the following to help ensure a smooth recovery:
- Engage in gentle play. Avoid tiring activities for a few weeks. Sitting on or riding a bicycle or other toys that require straddling should be avoided for about a week after the surgery.
- Follow your the doctor's instructions.
Call Your Child's Doctor
It is important to monitor your child's recovery. Alert your child's doctor to any problems. If any of the following occur, call your child's doctor:
- Increasing pressure or pain
- Redness, drainage, puffiness, or soreness around the incision site
- Changes in the frequency, odor, appearance, or volume of urine
- Difficulty urinating
- Signs of infection, including fever or chills
- Persistent nausea and/or vomiting
- Abdominal pain
- Lack of energy
- Loss of appetite
If you think your child has an emergency, call for emergency medical services right away.
Revision Information
- Reviewer: Adrienne Carmack, MD
- Review Date: 06/2016 -
- Update Date: 05/28/2014 -


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Bachelor of Arts
Film Studies - unit set code MJ-A000046.2
Burwood (Melbourne)
The Film Studies major sequence aims to develop students' creative and critical thinking while providing a practical and theoretical grounding in the production and application of film, video and television. The sequence puts these media in the historical and social context of the institutions, technologies and artistic and personal forces from which they have emerged.
In level 1, students learn formal and theoretical concepts through analysis of case studies and a series of projects which demand individual input, team collaboration, as well as recording, filming, direction, and post-production techniques. Collaborative skills are extended in level 2 through investigation of team management, narrative, representation, editing, and audiences, as well as the relationship between the actor, director, producer and exhibitor.
Students also undertake case studies in genre and the creative practices and aesthetic approaches of significant practitioners or movements. The final level provides opportunities for students to develop unique and individual creative practices through units including Documentary Production Practice which explores the use of actuality in narrative, as well as the Independent Production Practice, which explores non-representational, contemplative and oppositional structures, together with strategies that rework or synthesise conventional forms.
Level 1
|Writing with the Camera
ACF104 - Unit no longer available for enrolment
Level 2 and 3
|Documentary Production
|Television Studio Production
ACF206 - Unit no longer available for enrolment
AIH263 History Written with Lightning: Film and the Past (No longer available for enrolment)
|Independent Production Practice
|The Australian Moving Image
The following unit is also available in addition to the major sequence:
|Communication and Creative Arts Internship A
|Communication and Creative Arts Internship B


text:
In a Dilbert comic strip, the engineer is asked to develop a procedure for creating policies. Dilbert asks his boss if the company has a policy on how to develop procedures. His boss sends Dilbert to look for a white paper dealing with a policy for developing procedures to create policies. After a day of what appears to be a meaningless exercise, Dilbert later tries to convince a woman that creating policies and procedures is sexy.
Unfortunately, there is nothing sexy about creating policies and procedures. Nevertheless, policies and procedures are an effective tool for ensuring compliance. An RIA's policies and procedures—often referred to as the firm's compliance manual—can protect investors and assure securities regulators that the investment advisor is working diligently to comply with all of the rules and regulations necessary for sound business.
On November 28, 2011, the SEC charged three RIAs with failing to implement policies and procedures designed to prevent securities law violations. These cases arose from an SEC initiative to ensure that viable compliance programs are in place at RIAs in an effort to prevent investor harm. According to Robert Khuzami, director of the SEC's Division of Enforcement, "Not all compliance failures result in fraud, but many frauds take root in compliance deficiencies." In that same release, Khuzami went on to say, "That simple truth underlies our renewed focus on identifying and charging firms and individuals that fail their legal obligations to maintain adequate compliance programs."
Rule 206(4)-7: The Compliance Program Rule
An RIA's obligation to maintain an adequate compliance program stems from Rule 206(4)-7 under the Investment Advisers Act. Rule 206(4)-7—better known as the Compliance Program Rule—requires advisors registered with the SEC to adopt and implement written compliance policies and procedures. These are designed to protect the interests of investors and prevent violations of federal securities laws. The rule requires each RIA to designate a Chief Compliance Officer (CCO) to develop and enforce its compliance policies and procedures.
An RIA's rules and practices should mandate the use of compliance tests to detect any unusual patterns indicating noncompliant behavior. These tests analyze information over time in order to identify out-of-the-ordinary results. They are commonly referred to as "forensic tests." For example, a forensic test might analyze the quality of brokerage executions. They also might uncover high portfolio turnover, indicating overtrading of securities. Favoritism and misallocation can be detected in investment opportunities among similarly managed accounts, signifying a breach of fiduciary duty.
Federally registered RIAs must conduct an annual audit of their policies and procedures to ensure that they are thorough and effective. Although federally unrequired, RIAs should conduct interim reviews in response to significant compliance events, changes in business arrangements, and regulatory developments. Annual audits of policies and procedures are a best practice for state-registered investment advisors, even though most of them are not obligated to do so.
The failure to adopt compliance policies and procedures is a violation of Rule 206(4)-7. An RIA may not defend itself by saying that there is no harm, no foul. Even if no investors were harmed by the failure to implement policies and procedures, an RIA is in serious trouble. In the release adopting the Compliance Program Rule, the SEC stated that the failure of an advisor to have adequate compliance policies and procedures in place constitutes a violation of the Commission's rules, independent of any other securities law violation. Therefore, the SEC has the authority to address the failure of an RIA to implement adequate compliance controls before those inadequacies have the opportunity to harm clients or investors.
As a prelude to an examination, the SEC may ask for information about the compliance risks that the RIA has identified. Each RIA should compile an inventory of compliance risks, as well as the written policies and procedures the firm has implemented to address them. Each compliance risk should have a corresponding control. For example, if many of an RIA's clients are retired or approaching retirement, the firm should implement policies and procedures to make certain those accounts receive enhanced supervision and heightened scrutiny ensuring that all investments recommended are suitable. The firm can specify which clients are ages sixty or older and require additional supervision. An RIA should also implement quality controls to measure how effective its policies and procedures are.
As is the case with most SEC rules, a firm must keep books and records proving to examiners that they have conducted their annual audit of the firm's policies and procedures. Rule 204-2, the Books and Records Rule, requires an RIA to maintain copies of all compliance policies and procedures currently in effect or in effect during the last five years. These policies and procedures may be maintained in paper or electronic form and must be kept in an easily accessible place. In addition, Rule 204-2 requires an RIA to keep all records—either electronically or hard copy—documenting its annual review and the list of compliance risks it compiled.
Intent of Policies and Procedures
Policies and procedures are an RIA's bible. There are basically three commandments that apply to an RIA's compliance manual, and RIAs should adopt compliance policies and procedures designed to achieve the following:
- Prevent violations from occurring
- Detect violations that have already occurred
- Correct such violations
Rule 206(4)-7 gives RIAs flexibility in designing compliance rules and practices that meet their needs. A firm's policies and procedures should address the following issues if they are relevant:
- Portfolio management processes
- Trading practices
- Proprietary trading of the RIA and personal trading activities of supervised persons
- Accuracy of disclosures made to investors, clients, and regulators, including account statements and advertisements
- Safeguarding of client assets from conversion or inappropriate use by advisory personnel
- Creation of required records and their maintenance in a manner that protects them from unauthorized alteration or use and unwarranted destruction
- Marketing advisory services, including the use of solicitors
- Processes to value client holdings and assess fees based on those valuations
- Safeguards for protecting client privacy
- Business continuity plans
Business continuity plans include disaster recovery planning. The plan can be incorporated by reference in the RIA's policies and procedures. A good time for RIAs to test their disaster plans is in conjunction with their annual audits of their policies and procedures pursuant to Rule 206(4)-7. It is also a good idea for state-registered RIAs to review their policies and procedures on a regular basis and test their disaster plans. We will thoroughly review disaster recovery plans in Disaster Recovery Plans and Succession Planning.
Superfluous Procedures Are Not the Answer
There is no one-size-fits-all compliance manual, and in fact, boiler-plate policies and procedures often do more harm than good. Examiners may look at the RIA's compliance manual and find that these procedures were ignored. A streamlined manual with meaningful policies followed to the letter is preferred to one filled with procedures that do not apply to the RIA's business model. Firms with less complicated business models will usually require simpler policies and procedures.
One CCO and his pension consulting firm utilized a pre-packaged policies and procedures manual created for use by RIAs offering discretionary money management services to non-institutional clients. The problem was that the RIA's client base consisted primarily of institutions, as well as public and private pension funds. Therefore, the pre-packaged policies and procedures were mostly irrelevant to this particular RIA's business model. With good reason, the SEC concluded that the firm's policies and procedures did not adequately address the RIA's unique risk factors and conflicts of interest.
In the December 2011 issue of Investment Advisor, attorney Thomas D. Giachetti stated that far too many compliance manuals are "micro" in scope and content. Giachetti warned that many manuals spell out overly-ambitious compliance processes that far exceed what is required. At the same time, these policies and procedures manuals often overlook important issues that securities regulators are concerned about in the post-Madoff era. According to Giachetti, these manuals do not address issues such as:
- policies to maintain the confidentiality of client information as it relates to those individuals who have access to an RIA's offices and data, including staff and outside vendors;
- monitoring of employees' outside business activities;
- due diligence of unaffiliated separate account managers and private fund sponsors;
- supervision of branch offices and personnel;
- initial and ongoing determination that investments are suitable for clients.
Giachetti added that an out-of-date or obsolete compliance manual demonstrates to securities regulators a lack of a compliance culture.
The Big Picture
When examiners discover a problem in an RIA's operation, it is usually found within the firm's policies and procedures. In almost every deficiency letter issued by securities regulators, the examination team points to inadequate policies and procedures. In many cases, the deficiency letter will urge the RIA to implement stronger policies and procedures to correct the problems, therefore helping the firm to avoid repeating the same mistakes that got it into trouble. As the Commission stated in a press release dated November 28, 2011, RIAs "that essentially ignore SEC examination warnings risk being the subject of SEC enforcement actions."
There will be some employees who believe that reviewing and updating policies and procedures is a waste of their valuable time. In reality improving the firm's policies and procedures can benefit the RIA and its clients by reminding everyone of their fiduciary obligations. Policies and procedures serve as a reminder of the rules and regulations that members of the firm are expected to follow. They help to keep IARs and other associated persons from taking shortcuts that might unintentionally harm investors.
Whether an advisor is SEC or state-registered, RIAs must revise their policies and procedures to address significant compliance problems occurring during the year, changes in business arrangements, and regulatory developments. For example, as we will see in Pay-to-Play Rule, RIAs impacted by the pay-to-play rule passed in June 2010, should have revised their policies and procedures to ensure compliance. Recently, when the SEC passed the final version of its whistleblower rules on May 25, 2011, RIAs should have determined whether policies and procedures changes were necessary. In addition, any change in an RIA's business model, strategies, and service providers should prompt new or revised policies and procedures.
As examiners inspect an RIA's books and records, they will be looking to see if policies and procedures have been revised. Policies and procedures should evolve over time in order to prevent violations and detect those that have already occurred. Additionally an RIA's compliance manual put a process in place to correct violations that have already occurred. If examiners find that an advisory firm's compliance manual is stagnant, they will suspect that the RIA's annual review is just a dog-and-pony show and is not producing meaningful improvements.


text:
Low cost indexing might have been vindicated in the starkest way possible. According to Goldman Sachs data, just 13% of hedge funds are outperforming the S&P 500, and a fifth of all hedge funds are actually in the red during 2012.
To make matters worse, hedge fund managers have crowded into the same trades, with turnover at a record low, Goldman reports.
What does this mean?
"Hedge fund investors are paying 2% fees up front and 20% of profits thereafter to managers delivering poor performance and apparently doing little about it," CNBC said Monday, when discussing the report.
"Many hedge funds turned into mutual funds–but with higher fees and worse performance–this year," Mike Murphy, who runs hedge fund Rosecliff Capital, told the network. "Hedge funds have underperformed because they have been hedging against a massive market correction as the memory of 2008 is still fresh in everyone's mind."
"It's been a tough year, but better times are ahead," added Murphy.
As CNBC notes, the S&P 500 was up 14% through November, while the average hedge fund posted just a 6% return over the same time period. Meanwhile, the average large-cap mutual fund has returned 13%.
"Hedge fund returns are highly dependent on the performance of just a few key stocks," wrote Amanda Sneider, author of the report for Goldman. Examples given include Apple (AAPL), Google (GOOG), AIG (AIG), Microsoft (MSFT) and Priceline.com (PCLN).
"Turnover of all hedge fund positions averaged a record low of 29% during 3Q 2012, well below the 10-year average of 35%," she added.
It's not just closet indexing leading to this underperformance, CNBC argues.
"Record low interest rates globally have led to high correlations between stocks, bonds, gold and currencies, making it difficult for hedge fund managers to separate themselves from the rest of the pack."
As the network notes, Goldman's analysis is based on a rather large sample size, using the latest available public filings from nearly 700 hedge funds with $1.3 trillion under management.


text:
Mobile Deposit Combines Best of Both Banking Worlds for Credit Unions
Remote deposit capture, long tied to the PC and desktop scanner, has arrived at its ultimate destination – anywhere, anytime check deposits through popular mobile banking capabilities and smartphones.
Mobile deposit is attractive to consumers and millions of small businesses, a longtime staple of credit union membership. By combining powerful technology trends and strong consumer demand with a traditional banking process, mobile deposit empowers credit unions with another way to retain members, prevent the fragmentation of members' banking relationships and, ultimately, forever change the credit union's relationship with its members.
Mobile Deposit Combines Traditional and Mobile Banking
For generations, the paper check was by far the most commonly used non-cash payment method for businesses and consumers alike. In recent years, most of the conversation around checks has been about their impending demise as consumers embraced cards, online banking and, more recently, smartphones and tablet apps for their banking needs.
Despite the rush to mobile banking, checks are not going away. Fiserv research shows that four out of five financial institutions offer RDC services and more than 40% of banking customers would change their financial institution to get mobile RDC. This mobile imaging technology is tied directly to a venerable symbol of traditional financial transactions, the paper check.
Even though credit, debit and prepaid cards receive most of the attention, checks are still an essential part of our payment system, representing about one-fifth of all non-cash payments and nearly half the total value of non-cash payments. This amounted to more than $30 trillion in payments in 2010, according to the Federal Reserve. This high level of check-writing activity can be attributed mostly to business-to-business transactions.
Powerful Technology Trends to Improve Service
In every area of their business, credit unions must find ways to provide more and better service while reducing operating costs. New technologies have always been the answer to that challenge, and during the last few years, mobile RDC has been in the spotlight.
A 2012 Javelin report found that mobile check deposits can cost the credit union as little as four cents per check, while traditional branch-based deposits cost between 75 cents and three dollars per deposit. Credit unions will soon be able to monetize mobile RDC capabilities, especially for small business customers, and may even be equipped to provide value-added reporting to determine mobile deposit's true return on investment.
For credit unions looking to provide valuable customer service that simultaneously improves operational efficiencies, mobile deposit is a game changer.
For many years, RDC has enabled merchants, corporations and consumers to capture check images and make deposits using scanners and PCs, but advances in smartphone development and the advent of tablet banking have introduced millions of new banking devices to the marketplace. These devices are smaller and more portable, enabling credit union members to maintain their banking relationships anytime, anywhere –with just a pocket-sized device.
Representing the intersection of two very powerful banking trends – mobile banking and remote deposit capture – mobile deposit offers a cutting-edge way to manage a very traditional banking process.
Credit Unions Are Poised to Lead in Mobile Deposit Adoption
Small businesses still write and receive millions of checks each year, making this market a significant and lucrative opportunity in which to expand mobile deposit services. Many businesses do not yet use RDC services of any kind but the near-universal presence of smartphones, and their proficiency as a deposit device, suggests that credit unions should move quickly to take advantage of this opening to pursue more widespread mobile deposit adoption.
Credit unions leading the way in mobile deposit typically deliver their services to on-the-go service businesses, such as home repair providers, babysitters, landscapers and catering companies. Many receptive members also have needs tied to microbusinesses or small nonprofit venture, such as a sports team, church group or garage sale.
Optimizing Mobile Deposit Security
It's only natural for credit unions to be concerned about fraud potential when considering new technology. Credit unions must carefully consider any possible risks and strategically implement all necessary precautions.
The good news is that fraud losses related to remote deposit are remarkably low, with more than 90% of institutions suffering no losses attributable to merchant, consumer and mobile remote deposit. Careful risk mitigation will include several key common-sense practices, including:
- Eligibility restrictions: Many credit unions restrict mobile deposit eligibility to established customers with an existing six- to 12-month relationship with the credit union.
- Impose deposit limits: Restrict access by limiting daily mobile deposits, many credit unions limit deposits to $5,000.
- Monitor members' behavior: Carefully track changes in deposit behavior, flag atypical amounts and monitor discrepancies in trends.
- Detect duplicate deposits: Robust systems can identify a duplicate across capture channels, including mobile and branch.
Any comprehensive mobile banking portfolio must include mobile deposit capabilities because mobile deposit offers a high degree of "stickiness" – the capabilities help build member loyalty and boost retention. To serve its members and small businesses alike, credit unions must offer mobile RDC now, because other unregulated, non-financial firms already do.
Although large banks have generated much of the buzz around this new technology, there are no barriers to adoption by credit unions. A credit union that takes advantage of its unique market position to increase mobile deposit integration will reap the rewards of increased member retention, continued deposit growth and transformed relationships with its members.
No longer content to use mobile banking to simply get information, consumers and small businesses are now looking to complete the same tasks and transactions they once performed only at a branch or online. Credit unions that deliver these capabilities, including mobile deposit integration, will gain a clear advantage.
Gary Brand is director, Source Capture Solutions, for Fiserv Inc. in Brookfield, Wis.


text:
of HTML5, a hot new web standard that adds video and audio
capabilities to the HTML stable, say that it is essential to free the
web from the proprietary clutches of Adobe, maker of
Flash. Critics says
that it's just a pretty box for another proprietary offering.
They point out that while HTML5 as an open standard could support
open video standards like Ogg Theora, all the industry' major players
have embraced h.264 -- a proprietary video codec -- as the future of
HTML5, essentially killing the hopes of widespread support or
adoption of an open codec.Apple is a big
fan of h.264 and a big fan of HTML5. It doesn't think
much of Adobe, though.Perhaps a more important question,
though, is where does Microsoft, who holds more than 90 percent of
the operating system market, stand on this issue? Interestingly,
in a blog
to web developers, Microsoft's General Manager for Internet
Explorer, Dean Hachamovitch agrees with Apple's assessment. He
states that HTML5 is the "future of the web". He then
proceeds to toss dirt at Adobe, commenting that their "reliability,
security, and performance" haven't been so great.He then
softens the blow a bit, remarking that Flash is important to "a
good consumer experience on today's web" -- but only because
there's not many alternatives widely available currently (most users
use Internet Explorer, which doesn't currently support
HTML5).Interestingly, in the talk the Microsoft exec totally
ignores Microsoft's own proprietary plug-in Silverlight that it's
long been trying to peddle.Microsoft and Apple agreeing on
HTML5? Microsoft following
"Apple's line" with the Windows Phone 7 smart
phone operating system? Windows 7 being fully
supported on Boot Camp? You'd think that Microsoft and
Apple were old buddies, not bitter rivals. What's the world
coming to?


text:
LICU Streamlined Approval Extended to State Charters
The NCUA will provide state regulators with a list of low-income eligible credit unions through a cooperative effort between the NCUA and NASCUS, an initiative first announced in September.
The list will add state-chartered credit unions to the NCUA's fast-track LICU approval program for federal charters that eliminated a time-consuming application process and increased the number of LICU credit unions to nearly one-third of the industry.
The agreement announced Wednesday irons out the details of state regulators providing the NCUA with member income data, including modifications the NCUA made to its AIRES system so states can simply include income information when they upload exam results.
The NCUA said it will now create a quarterly list of eligible credit unions for each participating state regulator, who has LICU approval authority.
"Consistency and cooperation are fundamental to effective regulation, and so is creating opportunities," NCUA Board Chairman Debbie Matz said. "This is a great example of how state and federal regulators can work together to help state-chartered credit unions that qualify obtain a low-income designation. NCUA will provide state regulators with lists of credit unions that could qualify, and the states take it from there."
Benefits of LICU designation include the ability to access supplemental capital, eligibility for CDFI grants and a waiving of the cap on member business lending.


text:
Zanesville & Western Railroad
Sherman Cahal is a photographer who has specialized in abandonments and historical structures for over 15 years.
Thank you for being a loyal reader to Abandoned for the past 16 years! Over time, we have consumed a ridiculous amount of beer to write hundreds of articles and publish thousands of photos on this site.
In fact, we are enjoying a locally crafted brew right now writing this in one of Cleveland, Ohio's many venues.
Help keep this site flowing and free by buying his a delicious beverage to help us get through the day.
Can you believe Abandoned has been online for over 16 years?
Neither can I, and what a wild ride it has been over all of that time. Today, Abandoned is one of the oldest websites dedicated to documenting abandoned and historic properties. It has been a success, in part, because of your continued support.
Please consider donating just $3 to help offset the costs of operating Abandoned.


text:
Basic Informations
Yamamoto Takeshi
Greatest Hitman Of This Time
Sono Hitotsu Motte Sono Ame (The One With The Rain)
Leader Of The Millefiore
Yamamoto is very easy-going and can make friends with everyone, if he doesn't become friends with them, than they all show respect to him. But if someone wants to hurt his friends, parts of his family or Kirigakure, his Blood Mist Legacy activates and he goes on rampage killing all who oppose the power of Kirigakure, even if it hurts him or even if he has to sacrifice himself or parts of his body to protect them.
Village Info
Village of Birth:
Village of Alliance:
Rank//Chakra Info.
Ninja Rank:
-Unofficial Sage
Hidden Mist
Silent Killing
Your ninjutsu:*
Basic 5 | Rain | Taijutsu | Ninjutsu | Genjutsu | Kaito's Taijutsu** | Kenjutsu | Infinite One-Sword Style | Kei-Sekken |
Yamanaka Techniques | Fuuinjutsu***
Background Info.
"Kids I'm going to tell you an incredible story, the story of how I met your mother."
Voice out of nowhere starts yelling:
"VOI! Narrator, that is f*cking wrong story"
Narrator quickly replies:
"Sorry, sorry, sorry. Ok, now than,...
Our whole universe was in the..."
Again the same voice again out of nowhere starts calling:
"VOI! F*cking wrong story again, seriously, I shouldn't have payed you for telling HIS story. This is your last chance Narrator, than I will kill you."
Narrator again starts talking:
"I wanna be the very best, like no one ever waaaaaaaaaas pam pam pam to catch them is my real test, to train them is my goaaaaaaaaaaaal. I will tr..."
Sound of sword cutting through body of poor Narrator is heard and for a minute, there is complete silence. Than that same voice starts saying:
"VOI! I warned you stupid Narrator, now look at yourself, you're DEAD, you hear me? You are freaking DEAAAAAAAAD."
Than another voice calls to person who killed Narrator:
"Than why the hell don't YOU say his story Squalo."
Squalo: "VOI! Is that you BAKA BOSS?"
Boss: "Who are you calling baka Squalo, I will kill you where you stand, but first you should tell his story already, everyone is getting bored.
Squalo: "Ok ok, so people, listen or I kill you, this is story of Yamamoto Takeshi:
So, he got borned in Konoha into Yamanaka clan, but even tho his father was 2nd in command of Yamanaka clan, he tried to hide Yamamoto from fate of being shinobi. Problem was when Yamamoto reached 13th year of life and...
Boss: "Shut up or I will really kill you, just hurry up, will ya? AND WHERE IS MY FOOD."
Squalo: "SHUT UP! Ok, so, where was I,...
Problem was when Yamamoto reached 13th year of life and was founded as prodigy of shinobi world in almost all skills shinobi can get. During his lifetime he mastered all Basic 5 Elements from his father as well as secret Yamanaka Techniques. After that he mastered Taijutsu, Ninjutsu, Genjutsu, some Kaito's Taijutsu and Kenjutsu.
First he became Genin, than Chuunin and than Jounin. His father than decided that they will move out of Konoha as it became corrupt and wanted to create soldier who would only obey from Yamamoto. His father decided that they will move into Kirigakure, because he knew Mizukage very well and was good old friend with him. When they reached Kirigakure, Yamamoto decided that he will become Jounin of Kirigakure and help it defeat anyone who stands in it's way. As years passed, Yamamoto was sent on many missions and thanks to his high Kenjutsu skills, he became able to complete all of them with quite an ease, as they were mainly missions where he encountered high amount of enemies and defeated all of them, yes, defeated, but not killed, at least in most cases. Once, when he was still 14, I Squalo fought him and defeated him very easily, but than, 1 week later, we were faced against each other again, and I lost misserably. Well, let's continue. Mizukage started to like Yamamoto a lot and decided to send him on long time mission into Amegakure. He was supposed to gather information, but more importantly learn how to use deadly Rain Techniques which can only be taught in Amegakure. He said goodbye to his father and headed for Amegakure, where he was supposed to stay 1 whole year, but after 1 month he already learned everything there is about Rain techniques and had full mastery of them in that 1 month. He send message to Mizukage that he finished studying Rain Techniques and that he gathered all information that he could. Mizukage than send his own message to Yamamoto that he should return back to Kirigakure and that he has been promoted into position of ANBU Hunting division of Kirigakure. On his way back to Kirigakure, he met master of Kenjutsu who taught him how to use very powerful Infinite One-Sword Style Kenjutsu style. As he became master of this style very quickly, he continued his way to Kirigakure where he met his old friend Taiketsu who taught him his own Taijutsu style which is called Kei-Sekken. When he became officially member of ANBU's Hunting squad, he was ordered to kill group of people who ran away from Kirigakure. Yamamoto himself was faster than his allies from Hunting division and defeated all people who betrayed Kirigakure and killed all of them for his village. Than he was send on more ANBU missions as time passed and when he finally reached his 22th year of living, he became leader of ANBU Black Ops and leader of ANBU's Hunting Division and became the youngest ANBU Black Ops leader ever in history of Kirigakure. When he became respected in the village, he changed the name of ANBU's Hunting Division into Millefiore. Than Mizukage wanted him to become 1 of the 7 Swordsmen of the Mist, but Yamamoto declined with reasoning that 7 Swordsmen of the Mist should be from Kirigakure and even tho that he loves Kirigakure, he wasn't borned in Kirigakure. Than when he became 24 years old, he was known all around the world as Sono Hitotsu Motte Sono Ame (The One With The Rain)."
Boss: "Are you finished already?"
Squalo: "SHUT UP BAKA BOSS, well, I guess I am finished, for now, but his story will continue. By the way boss, I think you shouldn't forget to who you lost back then."
Boss: "WHAT DID YOU SAY, I WILL F*CKING KILL YOU BASTARD."
And chaos breaks around as Xanxus starts shooting fire all around him.
Special Abilities
God Of Suiton ****
His skills in Suiton techniques are on such a high level, that he can use them with 1 hand seal. His skills in them gave him nickname God Of Suiton.
Master Of Lightning Release ****
After long time of practicing Lightning Release, he became able to perform hand seals for Lightning techniques faster than other elements except of Suiton ones.
Master Of Silent Killing And Hidden Mist Jutsu
He became highly skilled in using these two techniques because he is long-time member of Hidden Mist Village and these two techniques are specialty of this village.
King Of Taijutsu
By training Taijutsu with 1 8IG master and 2 exceptional senseis, he became specialist in it. His Taijutsu skills are on very high level and he is respected for it by almost everyone. By having this training, he obtained huge strength so that he can use his weapon Caliburn and other heavy weapons with using just one hand.
Blood Mist Legacy
Blood Mist Legacy is certain type of we can say disease which hits people who are members of Kirigakure. This disease makes shinobi who are effected by it become completely fearless, scary looking and without any feelings able to kill even best friends from different villages but Kirigakure. Unfortunately this disease becomes in effect only if the village of Kirigakure is in danger of enemy.
Equipment + Other
(Caliburn) - Caliburn
Type: Weapon
Rank: S
Range: Short
Chakra cost: 40 (+20 to transform it)
Damage Points: 0
Describtion: This weapon was forged by Archangel Michael originally as Katana for Migualon J.J. when he created and mastered Style Of Tekken so that he wouldn't have to enter that state while being still able to use special Tekken techniques. But than Michael made a "mistake" when forging it and it became unstabble in it´s form. Michael and Migualon were making a lot of tests on it and than they noticed that it can change form into different weapons when infused with chakra. This weapon has 4 different forms, which are Katana, Sword, Staff (possible to use shape manipulation to make spike on 1 end of it), Shield and Spear (as 1 form).
All 4 Forms:
Staff (just that staff )
Spear And Shield (shield can only protect from weapons)
*Can only be wielded by Migualon J.J. and those who mastered Style Of Tekken and obtained ~Mig J.J. Quiksilver~´s permission*
*Transformation into different form counts as 1 of the 3 moves per turn*
*It cannot be broken [if in form of Spear And Shield, the shield breaks, than it goes into Staff form with spear (shield can be broken by any jutsu of C-rank and higher)]*
*The user is able to use Tekken techniques when wielding this weapon without activating Style Of Tekken*
*It´s power can be increased with Normal, Wind, and Lightning Chakra (just like Sasuke increases power of his katana), it too can have Fire Chakra infused with it, in that case it is surrounded by flames which can be extuingiushed by even D-rank Water Jutsu (in this case it looks like on the picture with Katana)*
If he can't use Caliburn he takes 2 Katanas which look like this into battle
He too takes case of Infinite One-Sword Style's swords on his back if he can use them
[IMG]http://t2.************/images?q=tbn:ANd9GcSmW_60VgxMiCABr7gqje4vepG0CBpBq HFJxJbWaD2Te2vCbmQ9qQ[/IMG]
Yamamoto has this tattoo on his left shoulder which is significant to those who signed Buzzard Summoning Contract, he too signed Toad Summoning Contract with good old Riku.
As leader of the Millefiore, he has the biggest of the rings (the Top Orange one)
All Yamamoto's clothes have symbol of Millefiore on it's right shoulder and on it's back.
When on official Kirigakure business, he most of the time has this ANBU mask.
Young Yamamoto
Current Yamamoto
Theme Song and Background Music:
Update of Yamamoto Takeshi
* = All mastered but those with their own stars
** = Mastered but Forbidden ones
*** = Up to (Han'you Fūin) - Generic Sealing Technique
**** = If it is possible, I would like to keep Water with 1 Hand Seal and no need for Water Source, I would even sacrifice my Lightning specialty for it if I have to just please, can you tell me if it is possible before you approve/decline this bio?
Yes, I do have permission from Axle HERE
In History the bolded parts the history, the other things are nice talk to it, still worth reading tho


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The saving of our world from pending doom will come, not through the complacent adjustment of the conforming majority, but through the creative maladjustment of a nonconforming minority. - Martin Luther King
I was reffering to the fact that current Raptors doesn't have a player who can create and assist, but most fellas here treated that very negatively Even if that would be the start of the season, I barely see Raptors getting to the playoffs with that kind of basketball and the very first opponent in playoffs would make them look not too bright if they would somehow make it. This is not an elite basketball, this is high level of D league basketball what Raptors was doing last 2 games. Actually Raptors played team ball exactly before the trade and that one game after the trade. Not that Raptors can't improve. Maybe I'll be proven wrong, we'll see.
Last edited by BalticGiants; Mon Feb 4th, 2013 at 07:25 AM.
I agree with giving Lowry a chance, but I don't think it will turn out and if it doesn't Jose should be brought back immediately after the season and kyle traded.
Jose is never ever coming back (I think)
I think Lowry will figure it out eventually. I think he's a good basketball player and that we'll be able to get by on more overall talent than we had before. That said...
I don't think I can watch much more of JL3 for more than 2 minutes at a time. Its basically just an offensive free for all with him "running" the show. And how can we have that when Lowry allows that to happen a good amount of the time as well.
I don't think Jose will come back. He was treated too poorly and could probably start for a couple more years elsewhere. And we need to address this situation ASAP anyways.
If our starting PG isn't gonna create our backup better be able to. I think most are in agreement about this. Makes sense to have a stronger "team runner" come off the bench with a 2nd unit anyway giving the bench a little bit of a crutch, making them better, as opposed to worse which to me is what JL3 is doing.
Lowry is the biggest "name" we have had at PG since Mighty Mouse. Kyle Lowry has not been the number one point guard since day 1. When he came aboard he said he'll just wanted to help the team. Everyone assumed he was going to be the starter. i know i did. But he was contributing to our run that started to turn the season around... not running it. He played most of the fourth qtr, he did alot of scoring.....but he was NOT our #1 point guard. Jose has 30 starts & Lowry has 18. They had to work him back in slow, but Lowry can't take credit that he put us in a position to save this season. I have accepted Jose is gone, but you are hurting Lowry's case, suggesting he has been our #1 PG "since he got here."
As far as comparing "talent".... I am not even gonna go there. Lowry hasn't been the same since his injury. Guess it depends on what you want from your PG. Obvious we have different opinions. Just looking at who was in the STARTING lineup....when we won? You can't be honest and say Lowry. I'll give him a chance......let him work things out. I will not change my stance that we should be searching for a starting PG. I will not change stance that we need a "pass first" "classic" PG to be a better team.
They still have a few games before the all-star break. I'd give them till that to see how these guys are gonna workout. 2 games with this current line up is too early to judge.
The only old road worth traveling again is picking up Ed Davis if he doesnt resign in Memphis and perhaps VC off the Toronto Bench would be pretty awesome.
There are 450 NBA players in the world. Surely, there are better options than two recycled Raptor castoffs
also Jose's D hasnt always been great over the years but Lowry's D hasnt been that great aswell & hes been labeled as a guy in the past who is a very good defender..
Last edited by DoNDaDDa; Mon Feb 4th, 2013 at 03:58 PM.
The only thing I will say, is how hard it was for the OLD raptors to find a pass first point guard. We went seasons and seasons without one, until we found Jose. Alvin Williams would look like a selfish dick next to Jose.
...I think this is more a credit to Jose's skill set, then it is a knock on Lowry, compared to other guards running teams, Lowry does not look so bad, compared to Jose he looks assist deficient. We were a little spoiled by Jose and many fans took his skill set for granted. Pass first guards are hard to find and rarely ever traded.
EDIT: Ball movement is a very common problem in the league, that many teams are competing to address.
Last edited by BasketballCrush; Mon Feb 4th, 2013 at 04:22 PM.
Lowry is actually extremely efficient. He doesn't chuck too much if you watch his game. He's going to get a lot of open looks from downtown with DeMar and Rudy being the defensive focus for the opposing team. He can also push the tempo and create fast break opportunities
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In "Ignoring Laws", the editor suggests that "laws ... created following the procedures outlined in the state constitution" should be followed until changed again, by following those same procedures. But what of laws that are unconstitutional?
Laws were followed when my widowed grandmother, raising two young children, had her bank accounts seized. Laws were followed when she, my aunt, and my father were removed from their home; the only possessions they were allowed to keep were those they were physically able to carry. Laws were followed when men in my grandmother's community were rounded up, hauled off, and kept incommunicado.
Did this occur this Nazi Europe? No. It happened in California in 1942. My grandmother's crime? Being Japanese, legally living in the United States after Pearl Harbor. My aunt's and father's crime? Being American citizens of Japanese ancestry.
The crime of the men who were hauled off? Being perceived leaders because their vocations or interests caused them to be acquainted with many people in the community. "Leaders," such as men active in the equivalent of a Kiwanis Club, Elks Lodge, Cattlemen's or Farmers' Association, or Chamber of Commerce.
Because the law was followed, more than 100,000 people lost most of their worldly possessions and some lost their loved ones in this travesty. How big was the actual threat caused by this group of legal immigrants and their children who held American citizenship? Not one on the U.S. mainland. Only one instance of disloyalty was found, when two Japanese living on a remote Hawaiian Island aided a downed Japanese Air Force pilot.
The editor fails to acknowledge that while the legislature followed proper procedure, they failed to follow the Constitution.
I am truly grateful for Sheriff Spruell and the County Sheriffs of Colorado for their courageous and well-thought out stance on recent gun control legislation. When legislatures, governors (Hickenlooper), presidents (Roosevelt in Executive Order 9066), or U.S. Supreme Courts (Korematsu v. United States (1944)) make bad law, many innocent people are irreparably harmed.
Unconstitutional law is not valid law and should not be followed.
Pat Requena
Via email


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Orderville Canyon
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Orderville Canyon - Zion National Park
Hiking down this tributary canyon of the North Fork of the Virgin River, you are dwarfed by towering Navajo Sandstone cliffs and spectacular scenery. The scenery is not all that people come for though, they also go to challenge the fun route and stay cool while hiking on a hot summers day.
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[Sri Lanka Bloggers] Let us bring you a momento from our Sri Lankan adventure!
As you might have heard, World Vision's bloggers are going on another trip. This time, we're headed to the island country of Sri Lanka.
Our hope and prayer is that you'll follow our journey, find hope and inspiration in the stories we share, and perhaps be moved to join the story by sponsoring a child from Sri Lanka through World Vision.
To celebrate this coming journey, we're having a little contest. We've put together four identical prize packages -- a collection of some of our favorite books, music, and World Vision apparel. To each of those four packages, we will add a unique prize made by the people of Sri Lanka.
* * *
Each of the four winners will receive a copy of:
- World Vision's Faith in Action Study Bible
- The Hole in Our Gospel by Richard Stearns, president of World Vision U.S.
- An autographed copy of Love Story: The Hand That Holds Us from the Cradle to the Grave by Nichole Nordeman
- Praying for Strangers: An Adventure of the Human Spirit by River Jordan
- Life Without Limits: Inspiration for a Ridiculously Good Life by Nick Vujicic
- From the Library of C.S. Lewis: Selections from Writers Who Influenced His Spiritual Journey by James Stuart Bell and Anthony P. Dawson
- One Thousand Gifts: A Dare to Live Fully Right Where You Are by Ann Voskamp, as well as a copy of Ann's gift book, Selections from One Thousand Gifts: Finding Joy in What Really Matters, which features Ann's words and photography
- Music Inspired By the Story, a compilation CD that includes music by Amy Grant, Nichole Nordeman, Michael W. Smith, Natalie Grant, Jeremy Camp and many more
- Hurt & the Healer by MercyMe
- As Long As it Takes by Meredith Andrews
- Who I Am from American Idol alum Jason Castro
- The Reckoning by Needtobreathe
- Hundred More Years by Francesca Battistelli
Additionally, winners will receive:
- A World Vision t-shirt from GIVEN™, the apparel line inspired by World Vision
- An official World Vision track jacket
- And a handmade item from Sri Lanka…
To enter for your chance to win, simply "like" World Vision's Facebook page and each of the bloggers' Facebook pages using the handy Rafflecopter tool below. (Note: You will need to be signed into your Facebook account for it to work.) Then, you will automatically be entered to win one of the FOUR amazing prize packages. Each "like" equals one entry.
This contest begins on Thursday, August 16, 2012, and will end at midnight (EST) on Wednesday August 22, 2012. Winners will be selected at random. One winner per household. You must be 18 years or older and have a valid U.S. address to enter. No purchase is necessary. Winners will be announced and/or contacted on or before September 10, 2012.


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The following commentary does not necessarily reflect the views of AgWeb or Farm Journal Media. The opinions expressed below are the author's own.
Kevin Van Trump has over 20 years of experience in the grain and livestock industry.
For the rest of the story including more insight into what traders believe are influencing market prices currently, sign-up here to receive a RISK-FREE 30-Day trial of my daily Grain and Livestock commentary. So many advisors want to tell you exactly how to market your crop, I want to teach you to better understand the markets and how you should respond. If you are looking to be educated and not just told what to do, simply click here and get started!
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Children & Youth: Building tomorrow today
As young people mature, the decisions they make have an enormous impact on their families, their communities and our world. But growing up surrounded by poverty, war or in the aftermath of disaster increases their risks and limits their choices.
That's why giving children and youth the right support at this most critical time is essential to building tomorrow's strong, productive communities.
When disaster strikes, young children are especially vulnerable to developing emotional and social problems that can jeopardize their futures. Mercy Corps worked with experts to design our signature Comfort for Kids program that helps children process their trauma and recover through play, sports and art activities. See our expert's recommendations for how parents and caregivers can help children through times of crisis ▸
For adolescents faced with violence, early marriage and interruptions to schooling, we provide opportunities for community involvement, vocational training and life skills development. Our goal is to empower youth in the toughest places to make smart life choices and invest their energy in developing solutions to their countries' biggest challenges.
All stories about Children & Youth
Jordan, Syria: Life in Zaatari: An inside look
Jordan's Zaatari refugee camp is filled with uniform rows of tent upon tent now housing an estimated 140,000 Syrians. What is it like there for families who don't know when they can return home?
Reaching out to families in Boston
After Monday's tragedy, our thoughts are with our Boston community and we offer these resources for parents everywhere helping their children cope with the shocking events.
Lebanon, Syria: Regaining the hope of childhood
Ghadan, 9, shares one of her drawings in the Comfort for Kids workbook. The signature Mercy Corps program helps children process their trauma through creative expression and activities.
Jordan, Syria: Finding joy on the playground
Images from a recent visit to a Mercy Corps-built playground for refugee kids shows how their resilient spirit comes alive with a safe and happy place to play.
Jordan, Syria: Zeinab's story: A child's refuge from war
Zeinab is a bright, wide-eyed girl I met at Dream Land, a Mercy Corps playground inside Jordan's Zaatari refugee camp. "I am happy here," she said. "It's better here because there is no war."
Jordan, Syria: What will the future hold for Syria's young people?
After seeing her son imprisoned and tortured while trying to escape Syria, one mother wonders what's next for her family now that they are reunited in the Zaatari refugee camp.
Kenya: A movement for peace
Kenya's youth are working to ensure that peace prevails during Monday's national vote, the first since post-election violence swept the country in 2007. Read their stories.
Somalia: A little light goes a long way
Runners decked out in glow necklaces for LivingSocial 5k Dance Party will create quite a scene. But they'll also be making life a little brighter for kids like Fadumo, thousands of miles away in rural Somalia.
Kenya: Betting on peace as high-stakes elections approach
Mercy Corps' CEO visits Yes Youth Can and sees the future of Kenya in the young people working for peace in their country.
Iraq, Jordan, Lebanon, Syria: Syria: An ongoing crisis
Refugee numbers are predicted to double as Syria's violent conflict drags on. We're on the ground in Jordan, Lebanon and Iraq helping meet their most urgent needs for water, warmth and safety.


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SAA announces code share agreement with Air China
Johannesburg, 29 February 2012. South African Airways (SAA) has announced a code share agreement with Air China that will complement SAA's newly inaugurated non-stop service between Johannesburg and Beijing. The agreement will effectively enhance flight choices for customers, whether originating in Africa or China, through seamless connections and frequent flyer mileage opportunities.
Both airlines, which are members of Star Alliance, will introduce code-share services on the main route (Johannesburg-Beijing-Johannesburg) that was launched by SAA on 31 January 2012. The agreement calls for SAA to offer flights with the SA code on Air China-operated flights between Beijing and Shanghai. Air China will in turn be able to offer flights with its CA code on SAA's service between Beijing and Johannesburg. In addition, SAA Voyager members will earn miles for flying on the SA-coded flights between Beijing and Shanghai. The new flight options will be available for booking and purchase from 28 February 2012, for travel as of 1 March 2012.
"The introduction of aviation links between nations nurtures economic activity, with domestic and regional benefit within the Southern African Development Community (SADC) expected to pay dividends both in terms of trade and tourism," said SAA CEO Siza Mzimela. "This code share agreement with Air China is meant to facilitate those benefits for both African and Chinese interests, as well as for other growing economies, such as Brazil, which now has easy and convenient access to China through SAA's service."
Mr. Wang Mingyuan, Senior Vice President of Air China said, "Air China always takes passenger-oriented service policy, and endeavours to provide safe, fast, convenient and satisfactory air transport services to our customers. I believe that through joint efforts with South African Airways, we will provide more choices and high quality services to the public travelling between China and South Africa."
"SAA is proud to implement this code share agreement with Air China, which offers our customers added connection opportunities and convenience, allowing for seamless travel to China's main business centres," added SAA CEO Mzimela. "Customers of both airlines will benefit from the options to travel between two burgeoning economies with two airlines that offer outstanding service within their respective markets."
SAA launched its first-ever non-stop flight from Johannesburg to Beijing on 31 January 2012. It was the first of three new weekly flights between South Africa and the Chinese capital. The direct route between South Africa and China will play a strategic role in increasing tourism, trade and other economic relationships between the respective countries.
To learn more about the code share services offered by SAA and Air China, please call SAA reservations at +2711 978 1111 or visit www.flysaa.com.
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Tel: +27 11 978 2298
Mobile: +27 83 400 0041
Email: firstname.lastname@example.com or email@example.com
Web: www.flysaa.com
About South African Airways:
SAA is the leading carrier in Africa serving over 20 destinations across the continent, as well as major destinations within South Africa, from its hub, Johannesburg. It is a member of the largest international airline network, Star Alliance. The airline consistently, and annually, receives awards from numerous top-rated publications and international organisations for Best African Airline. The airline carries more than 7 million passengers a year on an extensive route network into the southern Africa, the African continent and internationally on a fleet of modern and new aircraft. Also voted the Coolest Domestic Airline by South African youth. For more information log onto www.flysaa.com.
About Air China:
Air China is the only airline company which flies with the national flag. The headquarters of Air China are located in Beijing, and it also has several branch companies such as Southwest, Zhejiang, Chongqing, Inner Mongolia, Tianjin, Shanghai, Guizhou, Tibet, HuBei and Hua'nan base. Air China operates 280 international, domestic and regional routes to 31 countries and regions from its hubs and gateways, reaching 1160 destinations with the network of Star Alliance. Air China has an extensive, high quality clientele. Up to now, the total members of the Frequent Passengers Club of Air China reached 17 million. More information available at www.airchina.com.


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