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£2million committed by Islington Council to help tackle serious youth violence
Specialist charities have been commissioned by the Islington Labour-run council to help tackle the root causes and consequences of serious youth violence in the borough.
Despite the massive financial challenges faced in Islington, with the government cutting funding in half since 2010, in February the council's budget prioritised the future of young people. Alongside this additional £500,000 investment each year for the next four years, the council also protected existing budgets for youth services.
The decision to focus on young people came about because of the surge in serious youth violence over the last 12 months, including the tragic deaths of several young people and serious incidents as a result of youth crime in the borough.
Cllr Richard Watts said, "As leaders of the community, we have a responsibility to make sure vital services are in place at times of difficulty, even if we are facing massive cuts by the Tory government.
"This means investing in our young people. Islington's young people are energetic, vibrant and full of potential, and the overwhelming majority stay clear of trouble. But to those at risk or those involved in crime, we want to offer them these opportunities as a way out"
The council introduced a new Youth Crime Strategy earlier this year, made changes to the Youth Offending Service and brought in a new specialised Integrated Gangs Unit that works with staff across different sectors and organisations on youth crime and will be a recipient of some of the funding.
However, the Labour-run council wanted to go further than this, by putting £500,000 a year into available services in the community, over the next four years. These specific projects will be targeted at young people in gangs and those at risk of joining them. Young people will also get a chance to have a say on what is missing and what type of services they want.
The extra funding will go to Chance UK, St Giles Trust and Safer London. Each of these organisations target a wide range of young people and offer them the opportunity to speak about issues with those who have been exposed to gang life, as well as offering training opportunities to improve their life skills, such as self-confidence and behavioural skills.
Cllr Joe Caluori, Executive Member for Children and Young people, said: "Gang crime and serious youth violence is not only very damaging for those involved, but also harms their families and our wider society.
"To stop this requires a two-pronged approach. These projects and independent experts will help us direct significant efforts at encouraging tomorrow's gang members to take an alternative path and turn their backs on crime, while also helping those already mired in that harmful lifestyle to get out."
The Council will also be maintaining the Islington Bursary – set at £300 a year for each young person- to help disadvantaged young people go to college as well as other training and employment support.
Young people will also have the opportunity to access counselling services in order to overcome the effects of growing up around gang culture.
The council has also commissioned a project that looks at supporting young people who have experienced sexual exploitation in gangs.
If you are interested in becoming mentors and helping a child make positive behaviour changes, Chance UK would like to hear from you. For more information please see www.chanceuk.com
Pictured – Cllr Joe Caluori


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Diving: Spectacular Solomon Island
ONE of the most striking features of the coral reefs of the Solomon Islands is the number and variety of gorgonians.
Commonly known as fan corals because of their shape they grow on the steep vertical walls which plunge hundreds of metres to the ocean floor.
Gorgonians are closely related to corals and can be easily seen by snorkellers on shallow reefs.
Divers who returned recently from the Solomon Islands came across these beautiful brightly coloured creatures on every dive.
Their colours are commonly red, purple, and yellow.
The gorgonians orient themselves across the prevailing currents to maximise water flow to them and hence their food supply.
They grow in excess of two metres.
Certain species of gorgonians play host to the minuscule pygmy seahorse.
This tiny creature just a couple of millimetres in length is extremely well camouflaged by closely resembling its host.
The challenge for the divers was to search out this amazing animal.
Some underwater photographers were lucky enough to photograph them.

subset: commoncrawl


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Veterans United Home Loans Review 2018
Veterans United is the largest VA home purchase lender in the nation. Mortgages backed by the U.S. Department of Veterans Affairs are among the most valuable benefits provided to active-duty service members, as well as veterans and their families.
If you are shopping lenders that offer VA loans, here's what to expect from Veterans United.
at a glance
- The nation's largest VA home purchase lender.
- Minimum credit score is typically 620.
- Maximum loan amount is $1.5 million.
Compare Veterans United with other lenders.
VA loans are surging in popularity
While Veterans United specializes in VA loans, the lender also offers FHA, USDA and conventional loans. Like most non-bank lenders, Veterans United does not offer home equity loans or HELOCs.
Last year the U.S. homeownership rate fell to a 50-year low, sinking to about 63%. But for service members and their families, homeownership is a priority.
"The VA puts the homeownership rate among veterans at about 82%," Chris Birk, director of education with Veterans United, tells NerdWallet. "So, there is this almost inherent desire to own a piece of the country that they've sworn to defend."
Nationally, VA loan volume has reached record highs, topping $179 billion in fiscal 2016. Riding that wave of popularity, Veterans United has more than doubled its loan volume in the past three years, moving from $5.1 billion in funded loans in 2014 to $10.3 billion in 2016.
Veterans United loan products
VA loans are a powerful tool for homeownership. To start, they're easier to qualify for than conventional loans and require no down payment, subject to certain loan limits.
"Veterans, service members and their families can face unique financial and credit challenges, given the nature of their service," Birk says. "It can also take military families years to save the typical 5% down payment for a conventional loan."
» MORE: Check Use our VA loan calculator to determine your monthly payment
Another unique characteristic of the VA loan approval process is the consideration of residual income, not just the typical debt-to-income ratio.
This underwriting standard looks for a certain amount of money left over at the end of the month after you pay major debt obligations — including your mortgage, home insurance, taxes, student loans — but not typical living expenses like your cell phone bill and food.
That "after the bills are paid" income requirement varies by the cost of living in your area and the size of your household.
Here's an example:
A family of three living in the South or Midwest would need to have at least $889 left over each month after paying their mortgage, student loans, car loans or other major expenses. That $889 would cover groceries, clothing and other typical family expenses. Requirements are higher in the Northeast and West.
Also, credit score standards are less stringent.
"Last year the average FICO score for a VA purchase loan was about 50 points lower than the average conventional [loan] score," Birk says.
The Veterans United loan process
With an "any time, any place" client base, Veterans United offers 24/7 customer service, so getting a mortgage — or just a question answered — works on your schedule. And while lending to customers in all 50 states, Veterans United has branches in only about half of them.
A lot of business is conducted online or over the phone. You can complete a loan application and prequalify online.
Veterans United offers loans to a maximum of $1.5 million.
Considering fees and mortgage rates
Fees vary "based on the loan product, the borrower's credit profile and the market area we're serving," Birk says.
As for VA loans, many of those fees are standardized. The VA charges a "funding fee" for regular military borrowers that can range from 1.25% to 3.30% of the loan amount, depending on the amount of your down payment. That funding fee is slightly higher for members of the Reserves and the National Guard.
And lender fees — such as origination, underwriting and processing charges — can amount to no more than 1% of the loan amount, according to the Department of Veterans Affairs. You may also pay typical closing costs and third-party fees, such as appraisal, credit report and recording fees. Often, you can negotiate a deal where the home seller pays some fees, but the VA limits those "concessions" to 4% of the loan.
Veterans United doesn't publish mortgage rates on its site. A rate quote based on your credit score, debt-to-income ratio and loan term is available with an online tool, though the tool was not tested by NerdWallet.
» MORE: Compare VA mortgage rates
Gauging customer service
The home loan process is hard enough without having to deal with bad service. Veterans United gets high marks for a low volume of complaints registered with the Consumer Financial Protection Bureau, according to NerdWallet analysis. The lender also provides helpful guidance with an online first-time home buyer course.
Veterans United also has what it calls the Lighthouse Program: a free credit score education and repair service.
"If you come to us, not in a position to qualify, a Lighthouse credit expert will take a look at your credit profile, talk with you about your finances and your goals, and whether it's for three weeks, three months or three years, they will work with you to develop a personalized plan to tackle your credit and financial issues and get you on the path to prequalification," Birk says.
The program can also benefit those who can qualify for a home loan but simply want to build their credit score — and perhaps earn a better mortgage rate.
What Veterans United does best
- Earns a five-star rating for customer satisfaction, based on a low volume of complaints filed with the CFPB
- Offers 24/7 customer service
- Provides a client advocate team staffed by former senior enlisted leaders from each branch of the armed forces
Where Veterans United falls short
- Doesn't offer home equity loans or HELOCs
- Loans are available in all 50 states, but Veterans United has offices in only about half
- Though VA loans are available to service members and veterans living in U.S. territories, Veterans United doesn't lend to applicants living there
More from NerdWallet
Best lenders for FHA loans
Get Preapproved for Your Mortgage
How much home can you afford?
Hal Bundrick is a staff writer at NerdWallet, a personal finance website. Email: email@example.com. Twitter: @halmbundrick.NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.


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Dream Dictionary LionNo matter whether you dream of one lion, or a whole pride of them, they represent the role of power in your life. This includes how you feel about your job, love life, and even your social life. Aside from paying attention to the gender of the lion, you should also note what they were doing, as well as how you felt about them. Needless to say, the interpretation will be a bit different if the animals are captive, as opposed to living in a natural setting.
Lion Dream General Meaning
Overall, lions represent royalty, courage, and strength. If you dream of a male lion, you can count on a strong persona and plenty of power to help you achieve your goals. This dream symbol can also indicate aggression, either displayed by you or others. Therefore, while this dream symbol usually has positive connotations, it can also have some hidden negative ones. That said, if the lion happens to be female, the dream may indicate maternal instincts, protectiveness, or a sense of being guarded.
How Lion Dream Symbol May Fit in Your Life
When you dream of lions, you can rest assured that power and all its effects are going to play an enormous role in your life. If you happen to be coming into some new strengths of your own, then you can rest assured that you will know how to use them to your advantage. No matter whether you choose to explore this power in your home setting, or at work, you may find that all kinds of new opportunities for leadership will appear. Needless to say, if you do not consider yourself to be a leader, then you may need to study the energy of lions in a bit more detail in order to feel more comfortable.
A Sample Lion Dream Interpretation
Consider a dream where you see a female lion pacing in a cage. Even though the zoo appears clean, you feel dizzy and disoriented. Slowly, you begin to realize that the lioness is watching you, and trying to convey a message. Mesmerized, you walk up to the bars. As if by magic, a hole appears in the cage, and you slip through it.
Immediately, the lioness grabs you in a hug. You look deep into its eyes and realize that it is your first highschool crush. Slowly, the lioness transforms into this person, and you begin to dance. At the end of the dream, neither of you are in the zoo. Strangely enough, you are not surprised to find yourself in your own home, and married to the person in question. Upon waking, you feel a bit forlorn because you are between relationships, and find yourself wondering what would have happened if you had asked your highschool crush out for a date way back when.
Since the lion in this dream is a female, you can begin the interpretation process by looking at your sense of security in personal relationships. In this case, the fact that the lion turns into a former love interest indicates that you are thinking about previous situations that may have resulted in better outcomes if you had acted differently. This fact is highlighted upon waking when you realize that you are in between relationships.
Interestingly enough, this dream may also be precognitive in nature. Even though you may not know where your former love interest is, you may run into him/her unexpectedly. From there, you may want to take advantage of the lion symbol in this dream and find out if getting involved is possible. While you may not want to get into a romantic relationship immediately, starting out as friends, or going out on a date may be an ideal place to start. At the very least, dreaming of a lioness indicates that you will have some form of protection around you. That said, you should always be aware of events in a relationship, as well as how you feel about them in order to avoid a wide range of problems.
The text As rulers of the jungle. is a property of Goto horoscope Com. And belong to category Dream Dictionary
Kimberly 2017-10-27 17:05:22
Ive been having the same dream for a couple days now. Both a male and a female lion guarding the area I lived at as if it were there area.. if Im quiet they dont see me but if they heard me inside my house they would somehow get in and my pregnant but along with my 2 year old runs to the next house to hide.. I was afraid of the lions in my dream. They didnt look fierce..
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Priyamvada 2017-05-11 23:59:51
i had a dream that i gave birth to cubs
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haruna husein 2016-05-07 16:49:20
I dream with a black lion in the bush, I saw the lion running coming to me and then I desided to jump hold a tree but it was hardly for me then I open my eye
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Jis 2016-03-30 09:17:57
I had a dream that my father was holding me captive in my house. In real life my backyard is tropical and lush with many plants and trees and in my dream it was the same. I was playing with my birds and feeding them, and I sat down to rest. My father came outside and began to tell me to "stay away from the lion" suddenly from the corner of my eye in our next door neighbors backyard I made eye contact with the lion. As soon as the lion saw me he jumped into the air and landed right next to me. At first I was frightened but I saw that the lion was calmly next to me so I wasn't scared anymore I knew the lion did not want to hurt me. My father told me to go inside. I slowly got up and the lion immediately proceeded to the door, blocking me from getting inside. I looked back at my father, and then I looked at the tiger, I gently grabbed his face and whispered in the lions ear "don't let him hurt me". Immediately the lion unblocked the door and sat down behind me but before I went inside my house I turned around to look at the tiger and he was crying.
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Douglas 2016-03-07 11:04:35
I dreamt of a women and a man I was on a little bote and then a lion came swimming came under my bote and started floating on its back and was under my bote then the boat was on his chest
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Yuggi 2016-03-03 20:41:33
I too had this dream that I ve been to a resort and my family was just. Wandering and the receptionist was saying that there are lions in this resort. And to my utter disappointment I found them feeding those lions one was male and other two were females and the all lions were playing at eating what my parents fed them.and I was trying to capture them in my phone the male started to roar and had sex with one of the females and i left to resort from the window I could see all the three lions were staring at me. What does this dream meant
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Pervez 2016-02-10 14:33:27
Saw a whole pride of lionesses in my house and two cubs as well..And I'm playing with them..Not felt fearful.. They were even outside of my house, on the streets.. They are harmless..
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paamela cline 2015-08-08 04:52:09
I had a dream that i was a house they offered me a tour and i walked around the corner i was met by a bengal tiger he was pacing the house but was quiet.and then i sat down and a ion cub hopped upon my lap and i was petting him like it was a cat ansd thetiger was laying at my feet
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Rosa 2015-08-07 19:17:11
I dreamed of two Lions in my patio calm walking around but they kept getting out and eating small dogs.
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Nay 2015-12-05 05:32:09
So I had this dream....
Idk why but I was at my grams house just minding my business watching TV. All of a sudden I look up, its a fat ass lion walkin out the closet. It doesn't chase me, it's just looks at me.... I'm scared AF. I run to tell my grams. Is like she laughs it off...
It happened like that like 4-5 times. Sometime 2 to 3 lions. Just looking, scaring df outta me....
It's kinda weird tho, it's like they where coming off a hill but it was just a whole bunch of stuff spilled out from the closet....
We were in our old house on 14th nd Keefe. I haven't been there since I was like 12-13....
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Elsy 2015-08-06 08:32:57
I had a dream that i was protecting a female lion during a world ending and I had to defend myself. Can someone help I don't understand and I need to know
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Mr. AKM 2015-08-03 13:50:09
I dreamed my home was in the midst of a watery tropical setting, as I looked down from my balcony I could see the lions swimming underwater, then rising onto the bank. Although these lions had the skin of a frog,ridges on their back like an alligator, but everything else was like a chinese lion. One spotted me and roared, then all 3 moved toward the house to find a way to gain entrance. I immediately turned to warn the many children that were in the house. As I ran through the house I could hear the roar of the one lion that had spotted me, until we had come face to face, and he sniffed me and then roared with such tremendous force that I could feel the wind rush from behind me and into its mouth, then in an instant I was looking down at the children on the bank where the lions once were, and they were all laughing and playing, and the lions had disappeared
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mh 2015-07-24 10:20:22
i had a dream that i went to a party hosted by an acquaintance. My acquintance had a pet which is a lion. This huge lion initially scared me and then literally fell in love with me - was just wanting to sit next to me all the time like a shadow, touching my face with its face, touching its body with me and acting like a docile lifeless animal..... as if the animal was in awe of me - this continued as the animal chased me wherever i went in the house till i started getting fed up / i then gave the animal a small lion doll hoping it would leave me and then i woke up
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millie 2015-11-06 09:14:28
I had a similar dream it's weird cause the lion loved me but I was scare and as soon as I went into hiding I woke up
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lalit vadnere 2015-07-20 19:43:18
Extreme dream
I dream this any time
Loin at my place wondring whole my city get empty....
None any one....far from...suddenly saw child i have save child......intrnal feelings stroking me ....i divert lion towards me.....though i have a hook in my pocket...which can hurt badly to lion.....i fight with lion .....in.begining my eye contact with lion......first take from my side......i badly injurd....and i killed lion......
All public....hided suddnly come on roof an claps for me..
Such a great feeling
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Madi 2015-06-29 08:26:57
I dreamt that I was in a jungle with someone and I think they were a girl and I think like I was a guy and when it turned to midnight we both turned into lions..
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Gentledon 2015-06-08 13:53:53
I had a dream where i was feeding two fully grown female lions with huge bulk of meat they were my pet and friend and i was happy. we were on on a carpet grass plain and the view was like a garden-forest environment. All of a sudden it was as if the lions were attacked but it did not show in my dream, so i blew my whistle to call my other male pet lion, gorilla and horse. nxt thing i saw, they were running with full speed from inside the forest and wen they came, it was as if they had vanished or were attacked too....
Afterwards, i saw two mesomorph men with multi-coloured faces and strange fat-long dreads. the one near me was holding a knife and was looking left and right.... i was scared to go closer and wen i asked if he killed them there was no response. the next thing i saw both of the flew up with speed to the sky.
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Taylor 2015-07-02 11:50:22
What did you smoke b4 bed dude?
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Status: Open
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first NJ.com user to add photos or videos of Around The Corner Hair Design
Shout out to shopping local! In looking for items for our cheer fundraiser Mia and I hit the town yesterday. The generosity of our local businesses, who are most likely hit up every week, was astounding. Please remember them as the holiday season approaches and keep in mind that ZERO Big Box companies contributed. Support our area businesses, I can personally vouch for them that they support us!
Love Vicki and the girls great service!! I get compliments on my hair every day and refer my friends!
Since 1980 the company has been providing Beauty Shops.
Around the Corner Hair Design can be found at Godwin Ave 35. The following is offered: Salons. The entry is present with us since Sep 8, 2010 and was last updated on Nov 12, 2013. In Ridgewood there are 20 other Salons. An overview can be found here.


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The following is a note to take into prayerful consideration from our friends at Iowa Faith and Freedom Coalition:
On a vote of 57 to 37, the Iowa House passed H-8489 submitted by Rep. Annette Sweeney. This amendment to the HHS Appropriation bill, SF 2336, was the latest version of what has been referred to as the Whole Women's Health Priority Amendment featured in my last report, dated April 13th.
Although it's all fairly complicated, I won't confuse you (or myself) by going into details on how it came about or how it wound up on a Senate File. Suffice it to say, this amendment will deny taxpayer funds for abortions (except to save the life of the mother) and deny family planning funds to abortion providing health clinics.
The bill, SF 2336, now goes back to the Senate. We really need your prayers and senator contacts. You don't have to get too technical. Just ask them to support the denial of tax dollars for abortion and abortion providers. Ask them to support the Whole Women's Health Priority in the HHS Appropriation. Ask friends and relatives to contact their Iowa state senators with the same message.
The bill will probably be considered by the Senate early next week.


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We are working with a wonderful new online apparel business to increase awareness, raise funds, and show off our new logo! Please help us out by purchasing a T-Shirt, Long Sleeve Shirt, Youth tee, or Hoodie during our campaign. We need to sell 50 shirts! If we do not sell 50, no one gets a shirt :-( (or gets charged). Order yours TODAY!
For FREE shipping use the coupon code: oi6xr1992
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Heavyweight Tee -- $16
Ladies Tee -- $16
Youth Tee -- $16
Long-sleeved -- $21
Hooded Sweatshirt -- $36
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Acrylic Cotton Cable Knit Throw Blanket
Made By: Relais Knitwear
Wrap up in a pop of color. This cable knit throw blanket is woven of a super soft acrylic/cotton blend that begs for a days-long binge watch. In your choice of pink, blue, orange, yellow or tan, it's a bright idea wherever you drape it.
– Acrylic/cotton blend
– Blanket measures 70"x 52"
– Choose from pink, blue, orange, yellow or tan


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Get a Free Move or Rebate when you lease
From SW Loop 820 and South Freeway, Fort Worth, Texas, drive south on South Freeway. Slight left toward South Freeway. Turn slightly to the left onto South Freeway. Take the ramp to your left onto I-35W N. Take exit 45A to merge onto I-20 W toward Abilene. Take exit 433 toward Hulen St/Tcu. Merge onto SW Loop 820. Slight left to stay on SW Loop 820. Make the first left turn onto S Hulen St. Southern Oaks Apartments will be on the right.
The search is over because Southern Oaks has everything residents look for in a new home! Each apartment features plantation blinds, large closets, a fireplace and many more amenities. Located in Southeast Fort Worth, this upscale community is just moments away from popular shops and restaurants. Residents enjoy the nice weather while walking to the nearby Hulen Mall, spending the afternoon at the dog park and chatting with neighbors while pets get their exercise. Other options are relaxing in the salt water pool or taking advantage of the fully equipped fitness center. However residents prefer to spend their time, this charming community has something for everyone!


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first NJ.com user to add photos or videos of Amazonas Driving School
They taught me for 30 minutes and i passed my test. Recommended
Amazonas Driving School can be found at Chestnut St 306. The following is offered: Continuing Education. The entry is present with us since Sep 8, 2010 and was last updated on Nov 14, 2013. In Newark there are 21 other Continuing Education. An overview can be found here.


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CouponXL is a beautiful, fully-responsive and SEO Optimized Wordpress Coupon Theme based on latest Bootstrap framework. It has been developed with a neat code that can make your website blazing fast.
We've created a Wordpress Plugin to seamlessly upload Coupons & Deals from Indian Online Stores into CouponXL. Some of the advantages of this plugin are:


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Living Cell Technologies (LCT) is an Auckland-based company working towards making Type I Diabetes a thing of the past. The biotech's flagship product, Diabecell, shows promising signs to help Diabetes sufferers – especially those who've lived with the disease for several years.
LCT was founded by Professor Bob Elliott in 1987 as Diatranz Limited. Elliott's research uses cells within a pig's pancreas which are transplanted into humans in order to produce insulin. His research was briefly put on hold in the '90s because of fears of diseases transferable between pigs and humans, but resumed when a herd of pigs was discovered on the Auckland Islands which had been isolated from mainland stock for 150-years – so not carrying the same transferable disease.
The company holds promising (and potentially lucrative) patents utilising pig cells from this herd. Currently it's in the second stage of clinical trials for Diabecell and working on another product which supports cell regeneration, with the potential to be used by Parkinson's patients and treat hearing loss.
I speak to chief executive Andrea Grant, who started her career working on the lab bench at GlaxoSmithKline. We talk about New Zealand's biotech sector, the importance of holding IP and what needs to be done to grow more businesses like LCT.
(Living Cell Technologies CEO Andrea Grant)
LCT is up for Emerging Company of the Year at this year's NZ Hi-Tech Awards. It's also one of the few non-silicon based companies on the list. What do you put that down to?
I think without doubt the sheer amount of innovation we're doing at Living Cell. The work we're doing is world-class and has global potential ... The insulin market is worth around US$2 billion world wide and we're on our way to cracking into that.
How is LCT funded?
We're now a listed company, since 2004. Until that time it was all private venture capital from the likes of David Collinson and Stephen Tindall.
There was an initial listing raising $6 million ... We've raised $80.9 million of which we've spent $68.7 million in New Zealand itself. And there's also $7.3 million in government grants.
In 2011 we formed a partnership with Japanese pharmaceutical manufacturer Otsuka [worth AUD$25 million from Otsuka and matched by AUD$25 million of Diabecell product and IP from LCT] ... This is a 50/50 agreement and it's a real coup for us. Pharmas generally don't partner with companies in our stage – it's cheaper to invest in early stage companies and less risk to invest in companies after clinical trials, we're in between.
LCT has some important intellectual property up its sleeve. Does New Zealand's IP laws do enough to protect the investment the company has put towards research?
In general yes. We have the same sorts of IP guarantees in New Zealand as we would overseas.
We would like to see the ability to extend patents for the types of research that can take a decade to get going, like we're doing here. The US government is looking for ways to grant extensions but this is something the New Zealand government is opposed to, so it will be interesting to see where that goes.
Is there any difficulty in attracting talented biologists and physicians to a New Zealand biotech company, locally and internationally?
The challenge is New Zealand isn't a high wage economy. We like to look locally when we can, but we have to look internationally too because of the numbers. When we do there's difficulty when the conversation turns to pay parity.
We're able to attract the top people right now because we're leaders in this field of diabetes research. We have a good reputation. But when they come here they know they'll take a hit in the back pocket.
What do you see as the biggest challenge to biotech companies in New Zealand?
Infrastructure is a major problem and something we're constantly thinking about. This is a barrier that's not unique to New Zealand, but it's definitely more acute here. When you go through this building you'll see almost every dollar is invested in the technology and lab space. There's no gold-plated executive offices
Now imagine you're growing very fast as we are, that requires a significant amount of infrastructure to keep pace with growth. Where I could see the government helping is private-public partnerships which help companies like ours build the facility we need for the next ten years to accelerate our growth. We lease it from the government which helps it justify its cost, and it also has the economic benefit which comes from a company employing several hundred high-waged workers.
How does New Zealand's relatively small size affect the ability for the biotech sector to be competitive overseas?
risk putting me on my soap box here. We don't recognise our size
enough, in that I mean we should recognise that we're small and leverage
When we're investing in research we should be targeting and focusing on research that can not only compete on the world stage financially, but benefit New Zealand directly downstream. We should be doing more to target health research into areas that already affect us.
Rather than each economic zone within New Zealand competing with each other we should be looking for – and I hate to use this word – synergies. There are already areas of expertise that should be able to help each other, a hub and spoke model ... Fragmentation is holding us back and there needs to be more cross industry support for different fields of research ... We need to move away from this attitude of being a nation broken into 1.43 in Auckland, and 700,000 in Christchurch, and 500,000 in Wellington. We need to become a powerhouse of 4 million people.
You mention the hub and spoke model. There's some effort within the government to create innovation hubs, such as EPIC in Christchurch and the Wynyard Quarter in Auckland. There's also several incubators popping up around the country. What do you think of these initiatives from a biotechnology point of view?
Incubators are
a great concept, when they work. The challenge with these kinds of
projects is the incubation phase isn't the phase which contributes the
biggest return to the economy.
If we keep investing in early stage companies, we'll keep getting early stage companies. What we need to do is put more effort into funding second stage companies because when you accelerate their growth it has a far more dramatic impact on economic multipliers.
I think with the innovation hubs there might be some negativity because of a perception that when government wants to drive economic growth it invests in a new government department. People want help with real world business problems and are afraid of facing just another layer of bureaucracy.
Idealog has been covering the most interesting people, businesses and issues from the fields of innovation, design, technology and urban development for over 12 years. And we're asking for your support so we can keep telling those stories, inspire more entrepreneurs to start their own businesses and keep pushing New Zealand forward. Give over $5 a month and you will not only be supporting New Zealand innovation, but you'll also receive a print subscription and a copy of the new book by David Downs and Dr. Michelle Dickinson, No. 8 Recharged (while stocks last).
Idealog is part of ICG. We work with clients like Woolworths New Zealand, All Good, Huffer, Liquorland, Resene, Citta Design, TVNZ, Spark and FCB on their event activations, in-store, in-office or out-of-home signage, content creation and vehicle wraps.


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DR. VITALE, I PRESUME?: Daniella Vitale, chief operating officer and senior executive vice president of Barneys New York, will deliver the keynote address at LIM College's 75th annual commencement exercises on May 22 at Lincoln Center's Avery Fisher Hall in New York. Vitale will also be presented with LIM College's Distinguished Achievement Award and will receive an honorary Doctor of Commercial Science degree at the ceremony. "I am honored to receive this recognition and more importantly getting any opportunity to speak to a graduating class on all the good things to come," said Vitale.
A 1986 graduate of LIM College, Vitale's career includes stints at Salvatore Ferragamo, Giorgio Armani, Gucci America and Barneys, which she joined in 2010 as chief merchant and executive vice president. She was elevated to her current post in 2012. Vitale oversees business development, digital strategy, store operations and women's merchandising for Barneys.


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Metra today raised the cost of one-way tickets and weekend passes effective Feb. 1, a move that will affect about 20 percent of its riders.
Prices for Metra 10-ride tickets and monthly passes will not increase. The majority of Metra riders, about 79 percent, use 10-ride tickets and monthly passes.
One-way tickets will cost an average of 6 percent more, or 30 cents, depending on distance. Weekend passes will rise to $7 from $5. Penalties for buying tickets on trains when they can be purchased at stations would increase to $3 from $2.
Metra board members decided to scale back this penalty to $3 instead of $5, as originally proposed last month.
The mass transit funding deal that Gov. Pat Quinn announced Wednesday to aid the CTA and Pace paratransit will not benefit Metra, officials said.


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We want to make the process as easy as possible at Junk Removed Now. So that you have fewer problems use the following plan: Reach out to Junk Removed Now in Colorado Springs and illustrate to us what kind of junk you'll need eradicated. Make sure you give as much information as possible so we know what we are dealing with. Once you give us the proper information we will provide you with a quote over the phone. We may need to come and see simply how much junk you have though. If you consent to the price, we will take all of your junk away. Junk Removed Now will try to make the procedure as easy as possible. If you've got any more questions, just let us know at 719-297-1080.
Junk Removal is perfect if you are just cleaning house and trying to make some more room. If you are doing more involved remodeling then you will need a dumpster. We guarantee to make you happy with Junk Removed Now. We'll provide you with an affordable rate and ensure everything goes as smooth as possible.
Unfortunately, there aren't any definite rules with regards to junk removal. Different places have different laws about getting rid of junk. The main reason different companies have various procedures is due to the different regulations. Some things that you shouldn't have any issues doing away with are trash and furniture. There are certain items which many junk removal companies in Colorado Springs, CO will not remove. Items that have hazardous materials like explosives, gasoline, chemicals, paint, and engine oil are what these items typically include. It is easy to pay extra for many companies to take all of this stuff away.
The things that result in the largest junk piles are transferring and cleaning. You'll feel much better when you begin getting rid of your junk. If you want to remove your pile of undesirable junk, you should use a temporary dumpster. The guys that we suggest is Rock'n'Roll Offs. Give them a call!
One of the better spring cleaning tips would be to sort all of the junk in your residence or company and recycle it. Remove each room of unnecessary junk methodically. You may need a designated sorting area and also set yourself a timeline to complete each room. Before it is eliminated forever make sure you review what is inside the pile. This gives each member of the family an opportunity to prepare for junk removal day. You can make use of a family junk committee to determine which items could be reused.
If you do not need or love it, then don't transfer it. Everything you don't want to be moved should be clearly labeled. Leaving your home can also mean a great deal of junk removal in Colorado Springs, prior you start a new collection of junk in your new city. We all collect junk, a lot of it is great junk, some is just trash we never got around to throwing away. Plan for the moving company to pack your property. Prior to deciding to pack be sure you check every area for potential junk. Start getting your junk together a few days before junk day so you can have less to fill up. Clearly label whatever you plan to keep.
Junk removal in Colorado Springs, CO for construction and renovating takes on a life of its own. You won't be able to get the large items removed by Colorado Springs trash pickup. Plan for your remodeling and construction debris removal with ordering a construction dumpster depending on the size of your project. Quick junk removal tips: make it flat; pack it tight; recycle; and be organized while creating your pile. When it comes to junk removal in Colorado Springs, CO you're just a call away. To complete all of your dumping needs just call us today at 719-297-1080.


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The General Secretary of the International Christian Maritime Association has come to the end of his term in the role. Reverend Hennie la Grange will leave ICMA at the end of July 2013 after being in post since July 1st 2007. He will leave the office on July 15th. Hennie wrote:
The Strategic Review is moving ICMA forward in leaps and bounds. The Association has now arrived on the eve of a new era that promises to strengthen ICMA by transforming the secretariat and promoting the work of its members. These challenges call for new skills and fresh commitment. The last decade's implementation of the GRUBB Report, ICMA's previous review, and the ever changing environment of our ministries have led ICMA to branch out and break new ground.
I am gratified by the time I spent with ICMA. Moving across continents to take up this role has been worth every sacrifice.
I have been blessed with a world of new friends and family in faith. I have met remarkable people. I have discovered treasures in Christ's church that I had never imagined. I have seen growing unity. Together we have celebrated difference. We have shared moments of great achievement while battling the complexities of life and work. We have seen excellence and failure, and together we have overcome. We have experienced firsthand the love of Our Father at work in this unique ecumenical community. Of course ecumenical communities need nurturing, and tolerance remains key. God's Spirit, I pray, will help you to guard over this precious chunk of his kingdom.
I have the utmost respect for port chaplains who serve God and care passionately for his people of the sea. I thank God for you. Your labours, performed against impossible odds, are an inspiration. May God bless you with fulfilment, as that is the reward, I know, you desire most.
I hope that I have been able to contribute, just a little, to Christian unity, to the dignity of port chaplains and to the wellbeing of seafarers, fishers and their families.
I hope that I may have instilled in the industry and among our partners in the welfare sector, a sense of faith's value in inspiring selfless commitment to care.
I hope that ICMA, its members and its chaplains, are a little more valued as a resource that can be relied upon even to swim that extra mile, when walking on the water is not an option.
Thank you all for having me! Thank you for your friendship and hospitality. I have not always been able to deliver what was expected or required, but you loved me all the same, as Christians do.
May God bless you all.
Hennie la Grange


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Couple's secret is out
THE secret to Les and Marion Retschlag's marriage is laughter.
The couple celebrated their 50th wedding anniversary on Saturday, just weeks after renewing their wedding vows on Valentine's Day.
The opportunity to say I do again came when Marion entered a radio competition with 4BC.
"I went online and they rang up and said you won," she said.
"I couldn't believe it."
They were joined by 30 other couples who also renewed their vows at Decks Seafood and Steak Restaurant in South Bank.
Les and Marion were married in 1962 at the Marburg Anglican Church, and have lived in Ipswich ever since.
While Les can't recall how he proposed to Marion, he said he had made sure he got permission.
"I asked her father, I know that much. In those days you had to, otherwise he would have brought out the shotgun," he said.
Marion said the couple's first date wasn't very romantic but was certainly memorable.
"He took me corn picking on our first date. It was scratchy and itchy."
However, Les thought differently.
"It was good exercise," he said.
Les was a coal miner for 28 years at Marburg when coal was $1.50 per tonne.
During this time, the couple opened the Tivoli butcher shop which they owned for 12 years.
"We had three jobs really," Marion said.
"On the weekends we sold watermelons. We'd put them in the back of the ute and take them to the coast where we sold them to people on the beaches."
"That was our beer money," Les said.
His tip for married couples is to never go to bed angry.
"Life's too short to argue," he said.
The couple's daughter had planned a surprise celebration for them on Saturday.


text: Lt Col Kate Oler, USAF, will speak on "Sexual Assault in the Armed Forces: A Perspective on the New Legislation." Colonel Oler recently completed a three year tour as a trial judge, and has testified before Congress about sexual assault legislation. She graduated with honors from Wellesley College and earned her JD at Boston University School of Law where she was a Schulman scholar and an editor of the American Journal of Law & Medicine. She is a distinguished graduate of the U.S. Army Military Judges' Course. For more information, please contact Charlie Dunlap at email@example.com.


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Courses - Drop Down
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The reputation and success of Taylors College is built on one thing: our people. From teachers to support staff, from Student Counsellors to Activities Managers, we have some of the finest people working in education today. They have a passion for Taylors and for the development of our students.
"I enjoy observing my students' progress and seeing them succeed. I find it incredibly satisfying." Jacquie Hargreaves, Deputy Principal, Taylors Sydney
"I am extremely delighted to be a member of a group of teachers that are enhancing the lives, education and futures of many students." Mario Torelli, Head of English, Taylors Sydney
"I am passionate about education and the opportunities it provides young people." Paula Gothelf, Tertiary Counsellor, Taylors Sydney
"I strongly empathise with the initial sense of displacement that our students feel and also the accompanying feelings of loss and a sense of isolation." Smita Sah, Counsellor, Taylors Sydney
"Students at Taylors High School can get extensive support from the Dean, Year Advisors and their teachers. This is further reinforced by student support services, a strong network of student leaders and scheduled tutorials to help those who need additional assistance and support." Martin Zhang, Head of Department - Languages & Creative Arts, Taylors Sydney
"I usually have very open communication with parents in China. My number is given out to parents at the beginning of the school year, and they can feel free to call me and discuss what is going on with their child at any point in time." Tong Wen, Student Support Officier, Taylors Sydney
Want to study at Taylors College?
Pay your fees now via our online payment service


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JD wrote:
So what is going on and what has happened over the last year?
First and foremost, I should mention that PgUS is about to have an election for 3 board seats. The current nominees are:
Michael Brewer
Joshua Drake
Kevin Kempter
Bruce Momjian
Greg Smith
You need to be a Professional or Student Member to vote. In order to update your membership to a voting membership open your favorite web browser and go to:
Your membership dues allow you to serve on committee as well as help PgUS with various expenses from the CPA, the Attorney and of course supporting various community activities such as speakers. For information on our finances you can review our public financial statements which are located here:
Further with the success of the conference series and the generous membership dues, PgUS is now in a position to start providing grants to relevant PostgreSQL tasks. The first of which are going to be documentation grants.
The U.S. Conference Series held East and West 09. East 2010 is set to happen in late March or April. You can see slides and videos (still being uploaded) at: http://www.postgresqlconference.org/ . The paid memberships and registrations to these conferences help generate more educational material for PostgreSQL than any other source.
PgUS has been doing lots of things over the last year:
* LinuxFest NW 2009 (Joshua Drake, presenting)
* LISA 2009 (Robert Treat, booth)
* OSCON 2009 (Robert Treat, presenting)
* OpenSource Bridge 2009 (Michael Brewer, presenting)
* Percona Performance Conf (Robert Treat, presenting)
* PgCON 2009 (Robert Treat, Bruce Momjian, presenting)
* PgDay San Jose (Robert Treat, presenting)
* PGDay.eu 2009 (Joshua Drake, presenting)
* SELF 2009 (Michael Brewer, booth)
* Atlanta PUG: Michael Brewer
* Los Angeles PUG: Richard Broersma
* BW PUG: Robert Treat
* TriLug: Andrew Dunstan
* PDXDjango: Joshua D. Drake
* Summer 2009: Bruce Momjian taught at Drexel University
* Spring 2009: East 2009 at Drexel University
* Fall 2009: West 2009 at Seattle Central Community College
If you would like to continue supporting these efforts and the many efforts to come, we hope that you will do so by joining PgUS as a Professional or Student Member:
May the end of 2009 be a fruitful for everyone!


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1823 E 4th Avenue, Vancouver MLS®: R2269273
Open House: Sunday 26th August: 2:00-4:00pm, Sunday 26th August: 2:00-4:00pm
Absolutely Gorgeous house on a beautiful treelined street right of Commercial Drive. This fantastic home has the perfect layout and windows everywhere makes bright spaces throughout. Lovely oversized living room with cozy fireplace opens on to your formal dining room. Terrific kitchen with eating area with access to your private Nprth facing backyard. Upstairs has 3 light filled bedrooms and bathroom. The lower floor has 2 bedrooms plus a den with a separate entrance. Steps to Skytrain, cafes, shops, restaurants, tennis courts, great school and lovely McSpadden Park. Open house: Sun, Aug. 26, 2-4PM
Taxes (2017): $4,496.96
- Refrigerator
- Stove
Similar Listings
Listed By: Sutton Grp-Vancouver First Rty
Disclaimer: Listing data is based in whole or in part on data generated by the Real Estate Board of Greater Vancouver and Fraser Valley Real Estate Board which assumes no responsibility for its accuracy.


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CoverCouch.com Selects Whitegate PR as Agency of Record
Jan 06, 2014, 05:30 EST
NEW YORK, Jan. 6, 2014 /PRNewswire/ -- CoverCouch.com selects boutique public relations firm Whitegate PR as their agency of record. CoverCouch.com serves IKEA fans worldwide and is a great source for personalized replacement couch or sofa covers. Whether it's for an IKEA sofa, couch, chair or cushion, CoverCouch.com has a large variety of colors and designs. Sometimes we need a change, and CoverCouch.com can help give your IKEA a twist! Learn more: http://www.covercouch.com/.
Often our furniture is in great condition, however, we yearn for a new look or design in a home. Instead of spending a significant amount of money on a brand new piece of furniture, a couch cover is an affordable way to get creative and make a change.
Couch covers can freshen up a home, give the perfect look for the changing seasons, or help a room feel more inviting. They can also be a lifesaver for parents with children with muddy shoes, or pets that shed. The reasons are endless!
CoverCouch.com is registered in England and Wales but delivers internationally to almost anywhere in the world. All covers at CoverCouch.com are made with pride in the European Union by expert sewers. With over 177 fabrics to choose from, there's a perfect fabric, style and design for everyone. CoverCouch.com's fabrics are certified and tested for durability, fading, flame resistance and shrinkage.
With so many great choices, it can be difficult to decide. CoverCouch.com offers Free Fabric samples as well which can be found here: http://www.covercouch.com/en/fabric-samples.html
CoverCouch.com offers free shipping, legendary service and guarantee. With all the new up to date patterns available on their website, this company gives shoppers many quick options in a timely manner. The team at CoverCouch.com feels passionately about interior design and personal style. Individuals can sign up for their newsletter here http://www.covercouch.com/en/newsletter/subscribe/ to hear about special deals, exciting news regarding new products, and style tips and trends!
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About Whitegate PR: Whitegate PR specializes in delivering multifaceted marketing and strategic public relations campaigns, effective in reaching target audiences to meet - and exceed - client's goals. Whitegate PR aims to bring each organization's market share to the next level, providing creative strategies and solutions unique to each company. For more on Whitegate PR visit www.whitegatepr.com.
SOURCE Whitegate PR


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The Juneau Assembly is talking about the AJ Mine again. It is shocking that, after all of the community effort on the mining ordinance and the AJ Mine between 1989 and 2011, a small special interest group is proposing to gut the ordinance. Please join me in urging the assembly to abandon this proposal and to keep the current mining ordinance in place.
In a memo to the Deputy Mayor of June 9 regarding the Mining Ordinance &AJ Mine Update, Rorie Watt has it right when he says, "Reopening the AJ is one of the touchiest of Juneau topics. Success in discussing this topic requires special handling, patience, substantial public communication, and durable decision making."
Reviewing my files recently, I recalled the amount of community effort invested into the current mining ordinance, when the Assembly decided in 1989 on a 5-2 vote that the city's mining ordinance needed no revision. Public outcry was huge. A week later, the assembly reversed its decision.
Alaskans for Juneau, a non-profit citizens' group, formed shortly thereafter as a grassroots response to Echo Bay's exploration efforts in the AJ mine. This group sought to educate citizens and leaders as to the potential environmental and socio-economic impacts of a gold mine on our town.
The Thane Neighborhood Association also formed, in part as a response to Echo Bay's plan to dam Sheep Creek valley and dump tailings into the resulting sludge pond.The members of this group were quite diverse; most were concerned about how mining might impact their neighborhood.
Educating ourselves and our community about gold mining and potential impacts on our environment and our drinking water involved thousands of hours of library research, interviews, phone calls, newsletter publications, and large public information meetings with slides, videos, and speakers.
As Echo Bay proceeded with explorations, Juneauites participated in a review of the previous mining ordinance, noting the connection between Gold Creek's surface waters and the city's drinking water wells. A diesel spill by Echo Bay into Gold Creek in August 1990 underscored the community's reasons for concern.
Analyses of AJ Preliminary Draft EIS and publication of government agency comments were followed by a second AJ Draft EIS released in February 1991. Two studies were commissioned by the CBJ: a review of city's environmental concerns by Wright Engineers of Vancouver, BC and a Draft Socio-Economic Impact Assessment. Numerous public comment sessions followed.
In March, 1991, analyses of the DEIS to the Borough of Land Management and the Environmental Protection Agency disclosed possible discrepancies in statements regarding socio-economics, competition with the city over water supply, wildlife impacts, tourism, tailings dam integrity, Sheep Creek salmon fishery, air quality, noise, and solid waste disposal. Hearings continued through 1991, with various meetings involving city, state, and federal government agencies, as well as grassroots volunteer organizations.
The city planning commission, in response to requests from the public, planned weekly noon hearings with sign-ups in advance. These hearings included presentations by city staff and members of public. Town meetings occurred, as well as a conference focusing on the socioeconomic and environmental impacts of gold mining.
The above public process, involving countless hours of time on the parts of volunteers, specialists, city staff, and elected officials, was only the beginning. Eventually, a mining attorney was hired to work with Ethel Lund's famously qualified committee of citizens and the now-current mining ordinance was drafted, revised, and adopted unanimously.
Mr. Watt's letter to the Deputy Manager describes further public consideration of mining in Juneau in 2003 and 2010-11, following the intense work and hugely divisive social climate generated in the 1990s. Some great minds have carefully considered how to balance community protection and resource extraction in Juneau. It is not necessary to re-open this can of worms.
Contrary to the proponents of the revision, the ordinance is not duplicative of state and federal permitting for the AJ Mine because it is located on private property. Only three permits might possibly be required by outside agencies. The Army Corps of Engineers would require a wetlands permit if a mine were to fill wetlands or tidal areas. State air and water discharges would be regulated by the state, if a pipe were to discharge either. The State might require a company to apply for a Solid Waste Permit if surface waste disposal were planned. Otherwise, no further permits would be required.
It is in the interest of the City and Borough of Juneau to have the capacity to protect our physical and human environment from negative impacts of mining and that is why the ordinance was originally adopted. By agreeing to the changes proposed by the group approaching the assembly, the CBJ will forfeit these rights. The proposal will not benefit the citizens of Juneau. I hope other Juneau residents will speak up, asking the assembly to turn down this proposal.
• Luann McVey is a resident of Douglas.


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Legal Status
Document Details
Published Document
Office of Refugee Resettlement, Administration for Children and Families.
Notice to Award a Single-Source Program Expansion Supplement to Catholic Charities Diocese of San Diego (CCDSD) under the San Diego Wilson-Fish Program. CFDA#: 93.583.
Legislative Authority: The Refugee Act of 1980 as amended, Wilson-Fish Amendment, 8 U.S.C. 1522(e)(7); section 412(e)(7)(A) of the Immigration and Nationality Act.
Amount of Award: $421,124 supplement for current year.
Project Period: 09/30/2005-09/29/2010.
Justification for the Exception to Competition: The Wilson-Fish program is an alternative to the traditional State-administered welfare system for providing integrated assistance and services to refugees, asylees, Amerasian Immigrants, Cuban and Haitian Entrants, and Trafficking Victims. San Diego is one of 12 sites that has chosen this alternative approach.
The supplemental funds will allow the grantee, CCDSD, to provide refugee cash assistance through the end of this fiscal year to eligible refugees (and others eligible for refugee benefits) under the San Diego Wilson-Fish Program.
The primary reason for the grantee's supplemental request is a higher number of arrivals than anticipated when the grantee's budget was submitted and approved last year. The Refugee Act of 1980 mandates that the Office of Refugee Resettlement (ORR) reimburse States and Wilson-Fish projects for the costs of cash and medical assistance for newly arriving refugees. Since 1991, ORR has reimbursed States and Wilson-Fish agencies for providing cash and medical assistance to eligible individuals during their first eight months in the United States.
Hence, the supplement is consistent with the purposes of the Wilson-Fish Program, the Refugee Act of 1980, and ORR policy.Start Further Info
Carl Rubenstein, Wilson-Fish Program Manager, Office of Refugee Resettlement, Aerospace Building, 8th Floor West, 901 D Street, SW., Washington, DC 20447. Telephone: 202-205-5933.Start Signature
Dated: August 20, 2008.
David H. Siegel,
Acting Director, Office of Refugee Resettlement.
[FR Doc. E8-20376 Filed 9-2-08; 8:45 am]


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Art FranczekArt Franczek is currently the president of The American Institute of Business and Economics in Moscow, he holds degrees in History and Political Science in addition to an MBA, CPA and a Masters of Taxation.
Accounting Analysis
Purpose of this Course
This course discusses Russia's transition to IFRS, IFRS issues such as Impaired loans, Credit Rating Agencies, Consolidations and others. Lack of accounting transparency is a principal cause of the current global crisis. This course covers such topics at Securitization, Credit Default Swaps, ABX indices and Fair Value. Cases on Citibank, AIG, Goldman Sachs, Lehman Brothers and others will be analyzed in this course. This course will be interesting not only for those in the financial sector but also for anyone who wants to understand how global issues impact the Russian Business environment.
Course Materials
Students are provided with a CD that includes the following materials:
- Power point slides and required readings organized by topic.
- Required Homework organized by topic.
- Recent Harvard cases.
- Supplemental material such as the most recent articles on Taxation and articles written by Art Franczek.
Grading of this course will be based on assignments, examinations and class participation.
During the course the students will have to prepare a case presentation, homeworks, and take the final take-home examination. Failure to attend 40% of classes leads to immediate failure in the course and loss of credit.
The course will be graded in accordance with the following schedule:
|Class participation
Course Topics
- Analysis of credit rating agencies
- In-depth review of financial statements
- Manipulation of financial statements
- RAS/IFRS/Related parties equity accounting
- Business combinations/consolidations
- SPES/Securitizations/Leasing/IFRS/GAAP
- Foreign currency transactions/translations
- Fair value/Mark-to-market
- Non-performing loans/Central bank
- Causes of global crisis and future trends in accounting
- Sarbanes-Oxley
Cases for Presentation
- World Com
- Enron
- Parmalat
- Coca-Cola
- Bear Stearns
- Merrill Lynch
- Citigroup
- Goldman Sachs
- Lehman Brothers
You can download description of the course here.


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March 10, 2009
With the unemployment rate the lowest in decades, recent graduates should be able to find jobs they love, right? But if you polled working professionals, you'd hear a lot of complaints. Whether underemployed or just feeling stuck, many people face Monday mornings with a groan. Don't let this happen to you. Follow this advice and love what you do.
1. Give yourself permissionMaybe because of our Puritan work-ethic roots, many people think work shouldn't be fun. From the moment we're born, we're programmed to become doctors, lawyers, teachers or whatever else is expected of us. No one gives us permission to love what we do.
So here it is. You have permission -- no, an obligation -- to love your job. Not just because you'll enjoy your work, but also because those who love what they do are successful.
How many people do you know who are miserable because they did what their parents expected of them? You owe it to yourself and your family to pursue your dream.
"After all, it's you who has to face the music every morning, not someone else," says Edward Hoffman, a 1997 graduate of the University of Wisconsin-Madison who's now a consultant with Andersen Consulting LLP in Chicago.
But how do you get there, especially if you've been groomed to fulfill someone else's dream? First, you'll need a career assessment. You'll know if it's time for a change if any of these are true in your first job:You routinely utter expletives when you wake up. You have a sick feeling in your stomach or insomnia on Sunday nights. You frequently tell friends or co-workers how much you hate your job. You have psychosomatic ailments. When describing your profession, you sigh deeply and say "It's a living."
Guess what? It isn't a living. It's "dying" if you answer "yes" to any of these.
2. Know your strengthsAsk yourself, "What do I do well?" Review your past contributions. Ask, "What have I done that I'm proudest of?" Maybe you've worked your way through school, earned a high grade point average, been praised during a stressful internship or won an award.
"When I was interviewing, almost everyone advised me not to list my G.P.A. on my resume," says Julie Isaacson, a recent graduate of the University of Wisconsin-Madison who's now a media planner with the ad agency Euro RSGG Tatham Chicago. "But I worked hard to get that grade point average. So I listed it, and the woman who hired me told me that she thought it was gutsy to put it on my resume. And that's one of the reasons she hired me."
Acknowledge your own abilities and achievements. Also ask others for acknowledgment and an analysis of your strengths. Poll friends and family on what they think you do best.
Reaffirm your priorities. What do you value most: your family's wishes or having a job you love, wherever it's located? Pat yourself on the back for reaching this point and choosing a path that will fulfill your dreams.
3. Cultivate a "beginner's mind"Zen teaches a concept called the "beginner's mind." Beginners see infinite possibilities, while experts may see few because they're supposed to know everything. To be a beginner, you have to accept that there are things you may not know. View your job search as an adventure. Now more than ever you must be open to new ideas.
Mr. Hoffman had studied journalism but kept his mind open during his job search. "By opening my options, I found a whole new world of career choices for college graduates," he says. He wound up choosing a position in technology consulting.
4. Enlist helpSome new graduates -- and sage executives -- have trouble asking for help. They view it as a sign of weakness. But it takes courage to admit you need assistance.
Asking others for help also compliments them. Most people enjoy being asked their opinions or to help.
Where to go for help? First, assess your resources:family and friends church or synagogue past employers or professors libraries and the Internet college or university career centers
"I found if you're willing to accept help in choosing a job or career, there are many options readily available at little or no cost," says Mr. Hoffman. "Anyone and everyone you know is a potential resource. Usually these people are willing to listen, give advice and talk about what they do. They, too, were once in our position. And most of them haven't forgotten where they came from."
Most people want to help, but they can't unless you can tell them what you need.
Develop a short, concise statement: "I'm looking for a job in retail sales, and I was wondering if you have any ideas about people I should speak with." Or, "I'm thinking about becoming an actress. Do you know anyone who's in the business?" Your mission is to get names, phone numbers and permission from your referral to use his or her name.
5. Take initiativeYou don't need to go it alone, but you do have to take steps to help yourself. For instance:Enroll in a job-search seminar. Most campus career services offer courses in resume writing, networking and interviewing.Join a campus chapter of your professional society and attend meetings.Take care of your health. If you haven't been exercising, start. No need to join a club or buy expensive equipment: walk three to four times a week for 30 minutes. Eat right and get enough sleep.Enjoy and appreciate your family and friends. You need your support system most now.Do research on career fields and employers. Books, magazines, audio tapes and Web pages on career development and your chosen field are all free at the library.
6. Find a coachA coach is someone who makes you do what you think you can't do so you can be what you say you want to be. No one achieves excellence without a coach. The first person an Olympic athlete thanks after winning a gold medal is usually his or her coach.
A coach is someone who has a fierce belief in you and your abilities, usually more than your own; holds you accountable for what you say you want to accomplish; believes what you say, even when you don't; and doesn't sell you out or let you off the hook.
A coach isn't a cheerleader. If you want unconditional encouragement, ask your best friend, sibling or parent.
Who should you turn to? For now, ask an adviser with your career placement office if he or she can coach you. After you start work, seek a mentor who will encourage your career goals.
7. ListenHave you ever known someone who asks for help but then doesn't follow through? There's nothing more frustrating than someone who's committed to his or her own misery.
If you're serious about having a job you love, listen to your coach. Trust that what he or she prescribes will help you achieve your goal. Be accountable for what you say you want to do and look for results.
8. Take actionAll the research and coaching in the world won't help unless you take action. Write a strategic plan for your job search. Include your goal, objectives and strategies for getting the job of your dreams. Then list the steps to take to accomplish your objective.
Your weekly schedule might read: "Make three phone calls to people who work in rocket science. Schedule one interview with Joe Smith's brother-in-law who works in the lab. Make a trip to the library and look up five research companies in the city's book of lists. Check out two books on rocket science. Go to the career center this Wednesday. Meet with career coach to set short-term goals. Read the on-line postings daily."
Make your actions specific and measurable and they'll lead to the job you love.
9. Tap your faithWhatever your chosen faith, now's the time to call on it. Enrich your spiritual life. Serve others as a way of contributing to the world. Use prayer and meditation to center yourself on this journey, one of the most important of your life. And give thanks for the abundance you've been given. That spirit will put you in a place to receive even more blessings and find the work you love.
Emotions can fluctuate when you're on a job search. Finding your spiritual "center" can help during the roller coaster of interviewing.
"Going to church and praying helps me when I'm feeling low," says Arlene Go, a recent graduate of Knox College in Galesburg, Ill. "It helps me become more positive in general and it really relieves stress -- even if it's just for that one hour."
10. Give backSome professionals develop networking amnesia. They'll call on you in their hour of need, but once you're the one on the line, they won't take your call. What goes around comes around, so make sure this doesn't describe you in your first job -- or earlier.
Networking is a never-ending process, built on relationships and investing in others before you need them. When someone's referred to you for assistance, view it as a compliment rather than an imposition. Meet her for coffee or take him to lunch. You'll be known as someone who's well connected. Those connections will pay dividends in finding -- and keeping -- the job you love.
Ms. Austin is a magazine marketing director in Chicago
Time for Public Service?
March 10, 2009
Legal Recruiters Calling
March 10, 2009
Getting on the Partnership Track
March 10, 2009
Filed Under:
Job Search
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Tribal Fusion has been running since 1998. They are one of the biggest advertising networks there is, serving around 19 billion impressions per month. This is a premium network and they are also one of the hardest to get approved for. The minimum criteria for approval is 500,000 unique visitors per month.
How does Tribal Fusion Operate?
Tribal Fusion has a wide range of ad-types such as flash ads, interstitial ads, video ads and interstitial ads. They have do not have a fixed CPM rate but instead offer a transparant revenue share model. Currently they pay 55% of their revenue to the publishers. All their campaigns run on the CPM model so you are always paid for impressions only.
Tribal Fusion is known for having one of the more complex technologies on the ad market place which works in real time to fetch the most appropriate ad possible for each visitor to your site. This ensures that they can maximise revenue for their publishers and keep their advertisers happy. Tribal Fusion offers rich media mobile advertising solutions thanks to their partnership with Greystripe back in 2009.
The minimum payout is $50 and they pay by cheque only.
Tribal Fusion Requirements for Publishers
- 500,000 unique visitors per month
- Attractive web design
- No sexual content
- Website must be updated regularly
Tribal Fusion Review
If you can get accepted, Tribal Fusion is definitely worth giving a try as an adsense alternative. The support and global reach is head and shoulders above the rest and their partnership with Greystripe has given them endless possibilities with rich media mobile advertising. If you have the quality content and the kind of traffic they are seeking in a publisher then we recommend signing up with them. To sign up, hit the start now button and fill out the short application form. One of their representatives with be in contact.


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You are here: Home > Prints > Signed Limited Edition Print > The Biff Boys
The Biff Boys
Signed Limited Edition Print - World War I - Robert Taylor
The tough but agile Bristol F.2 Fighter, affectionately called the 'Biff', was to become the most successful fighter of the First World War, by 1918 helping restore the Allies' superiority in the skies over the Western Front. November 1917 - Lt Powell is seen pumping a deadly burst of machine gun fire into a diving Albatross as the aerial duel wheels and turns in a magnificent skyscape high above Cambrai.
Real Size: 30 1/2" x 23 1/2"
Edition : 600 (worldwide)
Signed by the artist, Robert Taylor
Additional Signatures
Comes complete with 'Camels on Patrol' companion print (21 3/4" x 15 1/4")


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International Student Admissions
As a member of the Becker College global community, you will be a part of a vibrant college campus. The Worcester area is home to many unique educational and cultural opportunities as students from around the world study in the heart of Massachusetts.
Becker College offers two campuses in Worcester and Leicester and a third location at our Equestrian Center in Paxton. Each location is roughly 15 minutes from each other; transportation is provided between all three sites. Becker is among The Princeton Review's "best 378 colleges," and you will have the opportunity to select from our wide range of academic programs, including our nationally and internationally ranked interactive media programs and our top-ranked nursing and animal science programs.
Visiting Campus
Visiting campus is the best way to learn about Becker College, our students, and what we have to offer. Daily campus tours and special events are available throughout the year; registration can be completed here or by calling us at 1.877.523.2537.
Applying to Becker College
A complete list of details and information on how to apply to Becker College can be accessed here.
Featured Student Profile
Read about Yuya Takeda, from Osaka, Japan, who is studying psychology here at Becker, as well as teaching Japanese language, and more.Read more
2016 President's Report
Read the 2016 President's Report entitled 'Progress to Powerful Possibilities'.View Report
The Center For Accelerated & Professional Studies Viewbook
Find out more about Accelerated Programs at Becker.See the Accelerated Viewbook
Becker Bridges
Published three times a year, the goal of this magazine is to keep alumni, parents, faculty, staff, trustees, and friends of Becker College informed about the pulse of campus life and exciting developments.View Magazines


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The first time I picked up a secreto was from an Iowa meat vendor at a farmers market.
I was planning on grilling some chops or maybe a tenderloin, those being the only cuts of pork I — or anybody else — ever really used. Oh, sure, we all go for the shoulder when it's time to do something like barbecue or a braise, but a grill calls for something that's not so unwieldy.


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Publisher's Description
From Perry C McKinley:
This is the PRO version of the Catfish angler application, designed to maximize the experience on the iPad platform. This application is for any level angler who wants to have access to information on fishing for Catfish. This quick reference will help find and catch more fish and focuses on standard species such as the Blue, Flathead, Channel Cat, Bullhead and more. This sport and utility app allows you to select from several conditions, then posts results based on those selections/choices. This includes the time of year, time of day, wind conditions, water clarity, sun/clouds and more. The results page tells anglers where to fish, the best bait to use, color, size, line type, direction, location, casting techniques and more. The app has an extensive library with details on the most common species being targeted, special techniques, definitions and more. There is also an equipment section outlining tackle tips, fishing notes, rigs, bait descriptions/details and more. Finally, there's a section to save your largest catch with info like where it was caught, the length, weight, bait used, time/date, etc.This Catfish app is a great assistant utility, and it is designed to be fun and informative. Selecting the conditions and seeing the results is quick and easy. Whether you are fishing in a small backyard pond or along a huge inland lake, this app can be very helpful for anyone.
read more +
|Utilities & Operating Systems
|System Utilities


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|07 Apr 2011
Unexplained Overheat(?) stumps Best Buy
I really don't know if this is in the right forum, because I really don't know what the root of the problem is.
TL;DR: My laptop has symptoms of overheating, (forced shutdown, delay before it will restart,) but the temp is well within normal parameters AND it only happens when playing some games that are NOT the most cpu or graphics intensive games I use.
My machine:
Asus G73Jh laptop
Windows 7 64-bit Home Premium SP1
ATI Mobility Radeon HD 5800
Intel Core i7 Q720 1.60GHz
A couple months ago, a new indy game called Magicka caused the symptoms I listed above. I thought it was a one-time thing, caused by inexperienced programmers making a game in their basement, until it started happening every time I tried to play either Magicka or L4D2 online with friends. Now, consistently, within 10-15 minutes of online gameplay, the forced sudden shutdown occurs.
This does not happen with Supreme Commander 2, Sins of a Solar Empire, EVE or the other dozen games I play, many of which are much more cpu and/or graphics intensive than those listed above. When the shutdown does occur, the laptop does not feel hot at all; it can get much hotter doing other things and no shutdown occurs.
I took it to Best Buy, since I bought it there, and according to them, all hardware seemed fine and all they could find were a few viruses. Suprise suprise when I brought it home, it was still borked.
Right before the shutdowns started happening EVERY time I played those games, I also had a very strange anti-virus related slow-down problem than was resolved (to my bewilderment) by uninstalling the program; I can go into in detail if anyone thinks it would help.
PLEASE don't make me hand my computer back to Best Buy so they can send it away for a MONTH!! :'( Any suggestions at all are very much appreciated. Thanks a lot in advance.
|My System Specs
|07 Apr 2011
Please upload a report as there is information included in it that can help diagnose your problem.
|My System Specs
|07 Apr 2011
PERFMON says that my wireless is disabled. Yeaaahh I know, I did that on purpose.
It also says I don't have an antivirus, but Best Buy installed Webroot for me just today sooo it's there. I had previously had Viper, which borked, as stated.
|My System Specs
|07 Apr 2011
Event[1202]: Log Name: System Source: amdkmdag Date: 2011-04-07T18:16:24.773 Event ID: 6145 Task: POWERPLAY Level: Error Opcode: N/A Keyword: Classic User: N/A User Name: N/A Computer: Bryce-PC Description: System shutdown due to graphics card overheating
Event[2157]: Log Name: System Source: Service Control Manager Date: 2011-04-07T17:11:05.428 Event ID: 7000 Task: N/A Level: Error Opcode: N/A Keyword: Classic User: N/A User Name: N/A Computer: Bryce-PC Description: The atksgt service failed to start due to the following error: Windows cannot verify the digital signature for this file. A recent hardware or software change might have installed a file that is signed incorrectly or damaged, or that might be malicious software from an unknown source.
SFC /SCANNOW Command - System File Checker
|My System Specs
|07 Apr 2011
"Windows Resourse Protection did not find any integrity violations."
Well it's nice to know where the problem lies, thanks a lot for your help.
I'm covered both by Best Buy protection, and ASUS warrenty. Sending the machine away via Best Buy gives a 2-4 week estimate, and Asus themselves tell me 14 business days. I don't supose you'd have any advise on that front?
|My System Specs
|07 Apr 2011
"Windows Resourse Protection did not find any integrity violations."
Well it's nice to know where the problem lies, thanks a lot for your help.
I'm covered both by Best Buy protection, and ASUS warrenty. Sending the machine away via Best Buy gives a 2-4 week estimate, and Asus themselves tell me 14 business days. I don't supose you'd have any advise on that front?
|My System Specs
|07 Jun 2011
Im Having The Same Issue. Except Im Dual Booting Windows 7 x64 Ultimate & Ubuntu Linux 10.04 x64.
I Can Use Ubuntu Just Fine But When I Try To Boot Into Windows It Just Shuts Off The Computer And Then I Cant Turn It Back On For At Least 15 Minutes.
I Know Its Not A Problem With My Dual Boot Installation But With Windows. Im Not Sure But I Think My Fans Might Not Be Turning On When Windows Is Initiated.
If Anyone Could Be Of Assistance Before I Take My Laptop To Best Buy That Would Be Great.
|My System Specs
|07 Jun 2011
W7 Professional x64
I would send it to ASUS since I have had nothing but pleasurable experiences from their support.
|My System Specs
|08 Jun 2011
Wait... Is That Sarcasm?
|My System Specs
|08 Jun 2011
Just In Case Here Are My Reports.
|My System Specs
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Herd to face alum of Rays' World Series team
The Buffalo Bisons have posted a trio of four-game winning streaks this season and will try to do it for a fourth time in the opener of tonight's doubleheader against the Durham Bulls in Coca-Cola Field. To do it, they'll have to beat one of the key cogs of the Tampa Bay Rays' 2008 World Series team.
Right-hander Andy Sonnanstine, a 13-game winner for the '08 Rays, will be the starter for Durham in the opener. Sonnantine has struggled to find his '08 form as he went 6-9 for the Rays in 2009 and 3-1 last year in 41 appearances (23 starts). He was 0-2, 5.71 this year in 14 games (four starts) before being optioned to Durham, where he is 2-3, 4.17 in six games (five starts).
In '08, Sonnanstine was the starter and winner in Tampa Bay's Game Four division series clincher over the Chicago White Sox. In the picture at right from the St. Petersburg Times, Sonnanstine is wearing the goggles while getting doused from behind by Rocco Baldelli and hugged by Rays outfielder Fernando Perez -- who will be starting in center field and batting ninth tonight for the Bisons. Small world this game is sometimes.
Sonnanstine also pitched 7 1/3 innings to get the win in Game Four of the ALCS over the Red Sox in Fenway Park. His Game Four luck ran out, however, in the World Series at Philadelphia as he gave up five runs in four innings and took the loss in a 10-2 defeat.
The Bulls, by the way, already have one canceled game on their schedule (a May contest at Syracuse) and need to get these two in as they open play today 1 1/2 games ahead of Gwinnett in the IL South. The weather forecast gets a little dicey as the night goes on.
Here's the Bisons' lineup:
Jordany Valdespin, ss
Josh Satin, 2b
Zach Lutz, 3b
Valentino Pascucci, 1b
Fernando Martinez, dh
Jesus Feliciano, lf
Mike Nickeas, c
Bubba Bell, rf
Fernando Perez, cf
Mark Cohoon, p
---Mike Harrington