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This blog has moved! Please go here for all your regularly scheduled updates:
Thursday, 30 May 2013
Monday, 13 May 2013
Posted by Krystal Georgiou at 15:03
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Thursday, 11 April 2013
Friday, 29 March 2013
Sunday, 10 February 2013
Wednesday, 30 January 2013
Still here!
Been a while since I uploaded here... Animation directing The Lingo Show has been keeping me super busy! It's been a fantastic learning experience so far and I've really enjoyed it. Helps that the crew is amazing and loves the show, too.
I'm still cooking up some interesting things on the side which I can't quite talk about just yet.. soon! SOON!
I'm still cooking up some interesting things on the side which I can't quite talk about just yet.. soon! SOON!
Meanwhile here's an old image that I can't remember if I've ever uploaded here, it's the original turnaround I designed for "Abadas" that the current show designs were traced from. The eyes and colours were changed a bit but they're otherwise pretty much what was used in the show.
Posted by Krystal at 14:43
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Sunday, 9 September 2012
Posted by Krystal Georgiou at 05:42
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It's the start of one of the most anticipated National League series of the season on Thursday night at Citi Field as the Cubs and Mets face off for the first time since last year's NLCS.
CH Cubs vs. N.Y. Mets
Of course the Cubs were the NL's second wild-card team last year and the Mets were winners of the NL East Division -- most experts thought both teams reached their potential a year early.
Chicago went to Pittsburgh and won the wild-card game behind eventual NL Cy Young winner Jake Arrieta. The Cubs then upset the top-seeded St. Louis Cardinals in four games in the NLDS. The Mets weren't supposed to beat the Dodgers in the NLDS considering L.A. had Clayton Kershaw and Zack Greinke. But the Mets did in five games, with Jacob deGrom beating Kershaw in Game 1 in L.A. and then Greinke in Game 5 back at Dodger Stadium. DeGrom, incidentally, is expected to start Game 2 of this series on Friday.
The Cubs were favorites on MLB odds to win the NLCS, but Chicago's bats went cold against that stellar young power pitching staff of the Mets. New York never trailed in the entire series and held Chicago to a combined eight runs in a sweep.
Both teams are a bit different since then. The Cubs added big-ticket free agents in pitcher John Lackey and outfielder Jason Heyward from the Cardinals this offseason. Chicago also lost young slugging outfielder Kyle Schwarber in early April to a season-ending injury. The team is also without fellow injured outfielders Dexter Fowler and Jorge Soler. The Mets no longer have second baseman Daniel Murphy, who homered in every game against the Cubs in the playoffs and was named NLCS MVP. He's now with Washington. The Mets traded for Pirates second baseman Neil Walker to take his place. New York also is without third baseman David Wright and first baseman Lucas Duda, both on the DL. Wright won't be back this year.
To no surprise, the first three games of this marquee series are all nationally televised, with Thursday's on the MLB Network. The Cubs remain +150 favorites on MLB picks to win the NL pennant for the first time since 1945. The Mets are +750 to repeat.
Probable Pitchers
Lackey gets the call for Chicago, which comes in off a three-game sweep of the Reds in Cincinnati, with the best record in the majors and a huge lead atop the NL Central. The Cubs probably wouldn't have beaten the Mets even with Lackey last year, but they needed an upgraded third starter after Arrieta and Jon Lester (who lost the first two games of the NLCS). So far so good as Lackey is 7-4 with a 3.29 ERA. He does come off his worst outing of the season, allowing seven runs and seven hits over 4.1 innings in a loss at the Miami Marlins. That ended Lackey's streak of 10 straight quality starts.
Last year with St. Louis, Lackey was 1-0 against the Mets with a 1.29 ERA in two starts. He's 2-0 with a 1.98 ERA in four career starts against them. Curtis Granderson has faced Lackey more than any Met, going 10-for-41 with five extra-base hits and 11 strikeouts; Granderson has been dealing with calf strain so monitor his status. Yoenis Cespedes is 1-for-4 off Lackey with an RBI. Asbrubal Cabrera is 7-for-31 off him with a homer.
The Mets start young lefty Steven Matz (7-3, 3.29). He was originally set to start Wednesday's series finale against Washington but has been pushed back a day because Matz has been diagnosed with a bone spur in his pitching elbow. The team hopes he can pitch through it the rest of the season and have surgery after. But that's no sure thing -- doctors say Matz can't injure himself worse, but it's a matter of comfort/pain management. If surgery is needed, Matz's season would be over.
Matz didn't look right in his most recent outing, allowing six runs and nine hits over 4.1 innings in Atlanta, and he could be seen rubbing that elbow after allowing all six runs in the fifth inning. Matz has never faced the Cubs in the regular season but started the clinching Game 4 of the NLCS at Wrigley Field and took a no-decision, allowing one run and four hits in 4.2 innings.
Think Chicago wants a little payback this weekend? The Cubs are 12-3 in their past 15 road games vs. a lefty. The Mets are 1-4 in Matz's past five starts. The 'under' is 7-2 in Lackey's past nine. The 'under' is 6-1 in the Mets' past series openers.
[/]{"component":"oddswidget", "eventId":2991907, "sportsbooksIds":[93,1096,169,999996,180,139], "LineTypeId":2, "PeriodTypeId":1}[/]
MLB Free Picks: Cubs -121 and 'under' 7½ -118
Best Line Offered: Cubs -121? at BetOnline and 'under' 7½ -118 at Pinnacle

subset: commoncrawl


text: Anacondas are rarer than Pythons and are only available on occasion. You will find these are very ��HIGH END��! Anything you make with one of these hides will stand out from the crowd. This batch is very soft and supple and a bit thinner than the pythons. The price is amazingly low for ANACONDAS and some Very Nice Colors. This one is RED COLORED, and the size averages about 6�� by 75��


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I might not be a Spurs fan but in a weird way as a Gooner I can understand a little bit of what the club are going through. You have a world class player (see also Fabregas, van Perise etc) and summer after summer Europe's elite clubs are circling round them while your management team is adamant they are going nowhere.
Whether Bale does leave Spurs is a moot point. The press has been full of 'he is going,' no 'he wants to stay' nonsense for several days now, and I guess only the Welshman knows the truth.
The difficulty is that the longer the Bale situation remains unresolved the trickier things get for Tottenham, but ironically enough Arsenal too. To illustrate what I mean let's take a look at two scenarios.
1 Bale stays – I think it is fair to surmise that Bale is Real Madrid's number one target and quite possibly the only club he will go to. If Bale does stay at Spurs then the Spaniards are very likely to turn their attention to Luis Suarez. As much as it pains me to say it if they did come anywhere near Arsenal's bid for the player I am sure the Uruguayan would be off to Spain in a heartbeat. Liverpool also manage to avoid the ignominy of selling their best player to a Premiership rival. That leaves Arsenal minus Suarez (and also Higuain, Jovetic, Benteke, Bony etc) and scrabbling around for that marquee striker that will turn them into title contenders.
2 If Bale goes – Now this is where it gets mighty tricky. All of sudden Tottenham have a huge war chest to spend. I wonder if the player they would then target would be, you guessed it, Suarez. If previous history is anything to go by they could possibly outbid Arsenal. Even if the Suarez saga has been resolved by then Arsenal and Spurs would possibly find themselves bidding for the the same players towards the end of the window, which delivers inflated prices and that won't go down well at Arsenal. The irony is that Spurs might sell their talisman, but it could end up being really bad news for the Gunners.
Finally the longer the situation remains unresolved the worse it gets. If Bale hangs on until August before Spurs sell him they have less time to spend that cash.
So what do you think? If Bale goes who will Spurs buy? Suarez?


text: Werner and his team help hospitals and healthcare systems develop people-centric care solutions to help improve the quality of care delivery. His expertise spans the fields of research, design innovation, new business development, and marketing. Werner has previous experience as a strategic innovation consultant, conducting design innovation programs. He is an acclaimed speaker at healthcare conferences on the topics of healthcare design, people-centric environments, as well as enhancing the patient, family, and staff experience. Werner holds a master's of economics with a specialization in marketing, economic psychology, and sociology.


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Danica Dillan, Kristina Rose and Giola Biel end up in a cheap hotel room nude with a bunch of guys and they have an orgy!


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Our community is nestled in a quiet, wooded, residential area of Maplewood with modern apartment homes waiting for you, your friends, relatives and co-workers. You have got to see the LARGE size of these beautiful apartments. New granite countertops, stainless steel appliances and flooring in every remodeled unit. Brand new walk out patios or balconies for each unit. Newly remodeled laundry rooms and storage is available in each building. Plus we have garages for rent on a month to month basis. Easy access to major highways, shopping, and bus lines. Call today to schedule your personal tour!
Month to Month, 6 and 12 month lease options available. 2 pets maximum per apartment, minimum $35 pet rent per month. Dogs and Cats welcome. $200 non-refundable pet deposit per pet. *Please ask about restricted breeds.*
Open Today


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Employment Opportunity: Student Worker Needed in Office of Admissions
The Office of Admissions is looking for a student who is available to work part-time (approximately five to ten hours per week) to assist with admissions mailings, give tours of the law school, and contact prospective students to answer their questions about Chicago-Kent. Shifts may be scheduled in two-hour time blocks, Monday through Friday, and can be tailored to fit your class schedule. The position pays $9.00 per hour. If you are hardworking, customer-service oriented and would like to work in a friendly, high-energy office, please click here for an application or stop by the Office of Admissions, Suite 230.
Show your enthusiasm for Chicago-Kent! Join the Chicago-Kent Advocates and help us to recruit next year's entering class.
Throughout the year, the Office of Admissions asks current law students to assist us in continuing to attract an interesting and diverse student body to the law school. If you would like to share your enthusiasm about Chicago-Kent with prospective students, you should consider joining the Chicago-Kent Advocates, a student group created to promote Chicago-Kent to prospective students. The Office of Admissions is looking for energetic and enthusiastic students to join the Advocates and assist us in recruiting next year's entering class. Membership in the Advocates provides a great opportunity to meet new people, attend admissions events, and possibly even go on a recruiting trip!
For more information about joining the Advocates, e-mail Julie Mallett, Assistant Director of Admissions, (email@example.com) or drop by the Office of Admissions, Suite 230.
Office of Admissions HoursThe Office of Admissions is open Monday through Friday from 8:30 a.m. to 5:00 p.m.


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Excel Stopwatch
Fun & Easy Time Tracking tool with record keeping timelog. Track time on projects, clients & tasks. Personalize it. Built in stopwatch with bill rates per task, task notes, fast task entry. Graphs & charts. Export to MS Excel or XML. PC & MAC. Convenient task stopwatch with pause & quick view of...
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Useful Windows Tool for exact time measurement (Stopwatch) or for running a countdown. With a resolution of up to a thousandth of a second and self adjusted display color and size. Further characteristics: for unlimited number of storable interims and configurable actions for zero-crossings, e.g....
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Waf Stopwatch is a handy and reliable utility designed as an advanced stopwatch with a lap recording feature.
The recorded times can be copied into Excel or a similar application via the clipboard. Furthermore, it provides a Countdown with alert sound.
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Lost a password to an MS Excel workbook? Lost passwords for modifying sheets in an MS Excel workbook?
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XNote Stopwatch is a digital stopwatch/countdown timer utility for your computer's desktop. It may seem to be a very simple software, but all of our users agree - this great program has many useful applications. The reason for that is the program's versatility and flexibility. Whether you use...
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Analyse-It for Excel: General Statistics brings statistical analysis to Microsoft Excel 95, 97, 2000 and XP, with 14 parametric and 17 nonparametric procedures for descriptive statistics, testing normality, comparing groups, correlation, and regression. Analyse-It loads with Excel, analyses data...
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Spinnaker Alerts 2.11 is an Excel Add-in that Alerts you to critical values in your worksheet by means of audio, pop-up messaging, E-mail paging, color coding, and logging of critical events in Microsoft Excel 97 and later.For the paging feature, Outlook 97/98/2000 is required. This file includes...
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Spinnaker Tools is a suite of Excel Add-ins particularly suited for analyzing and manipulating lists and databases in Excel. Features include easy moving/deleting/hiding/displaying of columns, field joining with concatenation, string manipulation, enhanced D-functions, extra logical functions,...
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The Spinnaker Fuel Tax Program is an excel add-in specifically written to ease the painstaking process of preparing your quarterly fuel taxes. It will work for individual owner operators and small fleets. When started for the first time the program will create two sub directories where it will...
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Remodel Construction Cost Estimating System for Excel. Designed specifically for home remodelers, builders, cost estimators and architects. RemodelCOST Estimator contains extensive industry standard user-modifiable...
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Checkbook for Excel is a custom personal finance application written for Microsoft Excel. It provides all the necessary features for managing your financial accounts without all the excess baggage and overhead associated with the popular personal finance packages. It includes a Palm OS based...
Platforms: Windows, Palm OS
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Golf Tracker for Excel is an application written for Microsoft Excel. It provides comprehensive record keeping and analysis of all your golf statistics. Data entry is simplified through the use of custom scorecards with intuitive easy to use interactive dialog boxes. The extensive analysis and...
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Handicap Manager for Excel is a custom application written for Microsoft Excel. It meets all the requirements of the USGA Handicap System for the computation of USGA Handicap Indexes. It can also be used to compute scoring averages, leagues handicaps and custom handicaps based on user-defined...
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These lessons have been written by OzGrid Business Applications who develop Excel spreadsheets on a professional basis. Each lesson is drawn from 'real world' experience and not made up class room scenarios. There are 10 lessons, each between 5 and 10 Word Document pages long, and 5 Workbook...
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Synkronizer compares any two Excel spreadsheets. Simply enter the file names in the clear interface, then check off which sheets to compare. You can compare two sheets in the same workbook, two sheets in entirely different files. You'll get a quick, cell-by-cell summary of differences that will...
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The Gantt Chart Builder System provides a system to build professional quality Gantt charts without the need for Microsoft Project or similar products. Charts can be constructed with either Microsoft Excel or Access. This version is the Excel version. Quite often, your data is present in a...
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Advanced Formulas, Advanced Filters, Text To Columns, Importing Text Files Pivot Tables 1, Pivot Tables 2, Pivot Tables 3, Scenarios, Goal Seek, Data Tables and Consolidation, Excel on the WeB, Macros 1, Macros 2
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So I guess I'm just curious as to what everyone's gunna be doing, or not doing, for mothers day.
I'll be going to Tea with Mummy at the Michael C. Carlos museum. Apparently we're having some sort of Egyption lunch in the mummy exhibit.
Moderator: OmegaFrost
Users browsing this forum: No registered users and 3 guests


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Dubai debt roundup
1. The National
The Government's aim was for the sector to account for a quarter of gross domestic product by 2010.2. Gulf Daily News
Achieving that, however, depends on a continuing inflow of people to occupy the properties being built. So far, immigration has delivered. The UAE's population has been growing about six per cent a year, and is on track to rise from 4.5 million last year to more than five million by the end of next year, according to the Ministry of Economy.
This summer, the ratings agency Fitch warned that the economy was vulnerable to any decline in immigration, a concern echoed by its peers. "Domestic demand for property is insufficient," said Farouk Soussa, director of sovereign ratings at Standard & Poor's in London. Without demand from abroad, he said, "we would see a strong correction in housing prices".
The trouble is that construction to accommodate this influx has been financed by borrowed money. Lots of it. Dubai's debts now exceed the size of its economy, according to Moody's Investors Service. "Lots of Dubai's construction boom was financed with borrowed money," said Brad Setser, an economist at the Council on Foreign Relations in New York. "I suspect credit growth will be more constrained, which may cause a host of knock-on problems."
The International Monetary Fund says Dubai is in no danger, but concerns among investors have sent the cost of insuring the debt of Dubai-backed companies up four-fold since May.
Standard & Poor's Ratings Services has revised its outlooks on six banks in the Gulf to stable from positive.3. Gulf News
At the same time, it affirmed its long- and short-term counterparty credit ratings and various debt ratings on these banks.
"The banks we took the rating actions on are Emirates Bank International, National Bank of Dubai, Kuwait Finance House, Burgan Bank, Bank Muscat and BMI Bank," the agency said.
"The outlook revisions mainly reflect the less supportive environment in which these banks operate," said Standard Poor's credit analyst Emmanuel Volland.
Dubai World chairman Sultan Ahmad Bin Sulayem said the group has not cancelled any project because of the current market troubles.
"We as a company have not cancelled any project," Bin Sulayem said at a bankers' lunch organised by Emirates NBD bank. About the local property sector, he does not see a general fall in prices and expects demand for real estate to continue outstripping supply.


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|Use this URL to cite or link to this record in EThOS:
|A collaborative partnership approach to integrated waterside revitalisation : the experience of the Mersey Basin Campaign, North west England
|Kim, Joon Sik.
|Awarding Body:
|University of Liverpool
|Current Institution:
|University of Liverpool
|Date of Award:
|Availability of Full Text:
The central aim of this thesis is to investigate how a collaborative partnership approach as presented in contemporary planning theories can be applied to, and improve, a process of integrated waterside revitalisation. The emergence of a new model of governance, bringing together governmental and non-governmental forces to achieve the policy goal, calls for a novel form of partnership driven by interdependence and networking between a range of actors. Although this approach is often described as 'collaborative planning', there is widespread acknowledgement that the 'new' practice has operational difficulties. Collaborative planning has raised issues about how common values can be forged and applied in a real-life context, especially in the face of political inequality. This thesis draws on the results of a research project investigating a concrete example of collaborative partnerships, the Mersey Basin Campaign in the North West of England. The Campaign is a government-sponsored 25-year initiative that aims to improve water quality and the waterside environments of the Mersey Basin, a heavily urbanised area containing the two conurbations of Merseyside and Greater Manchester. In carrying out the study, six detailed case studies within the Campaign's activities have been investigated; about 40 semi-structured interviews have been undertaken, and over 25 meetings and field works have been observed. The study investigated the establishment and operation of a particular collaborative partnership according to a four-stage life cycle of partnerships. By exploring the six cases of collaborative practice through the views of practitioners, the research has shown how collaborative efforts can be made in a real-life context. The results showed that waterside sustainability issues were essential to tackling a river basin ecosystem management by creating a win-win strategy for wider stakeholders. The sustainability issue however, was not a top priority for all key stakeholders in deciding whether or not to put their money, time and efforts into the partnership. The research showed that funding availability is the best way to attract reluctant stakeholders, although partner organisations seemed not to be interested in implementing the tasks of the partnership once the initial excitement of funding availability had died away. There is, therefore, the partnerships need to develop an understanding of the collaborative approach among stakeholders and to change their attitudes towards a collaborative form of planning practice. Collaborative partnerships need different implementation processes to tackle different problems in the face of the complexity of waterside agendas; some planning processes require continuity of leadership, whilst others need bottom-up approaches. In this context, the study identified three key aspects of integrated waterside revitalisation; consensus building, facilitation, and open participation. It also developed a mechanism of collaborative partnership service delivery in coordinating a top-down approach and a bottom-up approach. The study has shown that the role of representatives linking their parent organisations to the partnership is fundamental for effective service delivery. It has been seen that once the representatives have shared ownership of the partnership, they act as a catalyst to stimulate and motivate action from their parent organisations.
|Not available
|Not available
|Qualification Name:
|Thesis (Ph.D.)
|Qualification Level:
|EThOS ID:
|Not available
|Urban planning & rural planning


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- Home
- Conferences
- Retreats
- Resources
- Magazine
By Rev. George F. Borghardt
There's really nothing too cool about him. Geeky would be more like it. Your pastor is probably geeky. You can tell by all the books. Did he really read them all in seminary, or does he just keep them around to look smart?
He has no sense of style. Yes, the black shows that he is a sinner and the white on his neck says that he speaks the Word of Gospel. But the same outfit every day? And when he doesn't wear his "uniform,"a he looks like he's stuck in some past decade. Stonewashed jeans? No one wears tube socks any more, Pastor. That's so 1990s!
He talks funny and observes all of these strange customs, doesn't he? I had never eaten a brat or seen a real live cheesehead before my pastor was called to Louisiana. Wisconsin? That's, like, next to Canada! How did anyone from so far north end up so far south?
The Lord Jesus. He did it. The Lord called your pastor to your church. He called my pastor to our church back in Louisiana. He called me from Louisiana to Illinois. Jesus calls pastors to go all over the place to forgive and retain sins, and to preach repentance unto the forgiveness of sins in Jesus' name.
"Pastor" is the Latin word for "shepherd." That's what your pastor is: He is a shepherd. He tends to sheep. He feeds the Lord's sheep and takes care of you with the Word and Sacraments.
That's why it so often sounds like your pastor is preaching directly to you! He doesn't have a camera in your house. He knows just the right thing to say because when he preaches the Word, Christ is speaking to you (Luke 10:16). When he teaches you, Christ is teaching you. Christ is retaining your evil. Christ is forgiving your sins. Christ is saving you.
Your pastor is not Christ. He's the Lord's servant, Christ's ambassador, pleading with you over and over again to be reconciled to God. He represents Christ to you. The respect and love you show the pastors around you is the respect you have for Jesus. Be kind to them and you are being kind to the Lord who sent them. Reject them, make their life hard, be burdensome to them and you are being burdensome to the Lord who called them to you.
There's nothing inherently special about your pastor. He's not a rock star. He is a regular person. He eats. He sleeps. He might even snore at the lock-in. He gets grumpy at times. Actually, some pastors are grumpy all the time!
But he would be a great person to treat like a rock star, for you can have no better father-figure, no better friend who will never fail you, no better person to vent to than your pastor. All of that is in the job description of "shepherd."
Everything your pastor does, from the time he wakes up until he goes to sleep, is to deliver Jesus Christ and Him crucified to you. You see Christ's life in his life as he teaches, visits shut-ins and the sick, and hangs out with the youth. It's all about Jesus and loving others.
Yes, your pastor's going to call you out for your sins. You aren't always right. Other people aren't always wrong. Sometimes, it's your fault. If you are honest with God, it's almost always your sin.
He's going to say one other word of God to you. "In the stead and by the command of our Lord Jesus Christ, I forgive you all your sins." All your sins are forgiven!
He's definitely strange. He's not well dressed. He's most likely an actual geek. He might even have an accent and not talk right. But, the Lord called him to where you are to be your pastor. He's the Lord's shepherd for you.
Having a pastor to look up to is better than having a friend. It's better than having a BFF or "bestie" or a mentor. Your pastor is there to give you Jesus' salvation that will last forever. He's there to give you Jesus. He's there to be your shepherd—your pastor.
Rev. George F. Borghardt is the president of Higher Things and serves as the senior pastor at Zion Ev. Lutheran Church in McHenry, Illinois.


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Thank you. Your inquiry has been received.
Stunning remodel completed a little over a year ago. Contemporary elegance throughout with 5 bedrooms and 4 full baths plus a bonus/theater room and loft area perfect for home office. Open floor plan, dream kitchen with granite counters and large walk in pantry. Beautiful scraped wood floors. Three car tandem garage. $40K solar installed last fall bills went from up to $900 a month to zero. Shimmering pool and spa, pump recently replaced. Master suite with balcony overlooking pool and yard.


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Rethinking borrowing in retirement
Can you really afford loan payments after you're retired?
Maturing Loans
Dear Maturing Loans,
I'm 62 and am in pretty good shape as far as savings goes, with $500,000 in various 401(k) accounts and an equal amount in home equity. But once I retire, and my only income will be Social Security plus investment interest, will I be able to get a car or other loan? -- Donna
Dear Donna,
You bring up an interesting question, which leads to a broader discussion.
In retirement, the thinking (and the math) surrounding your income and investments changes. Instead of focusing on borrowing, what you need to focus on is what you'll be able to afford without obtaining a loan first. If you can afford subtracting loan payments from your Social Security and investment income, then you can start looking at taking a loan if it makes financial sense for your situation. However, if your expenses in retirement don't leave you any room for loan payments, you will not be able to afford a purchase with a loan.
First, you need to figure out what sources will provide you with retirement income. Investment interest seems very 'iffy' since we don't know the type of investments you have and the risk associated with them. What you will need to do is set up an income strategy (which is a way to turn your savings into spendable cash distributed on a regular basis) that meets your financial requirements. In other words, build into your retirement income plan any and all expected expenses and then leave enough money for any unexpected emergencies.
Follow these steps:
1. Determine how much income you will need in retirement.
There are several ways to do this. You can use my worksheet or get out your trusty legal pad or financial software.
Here are two ways to determine how much you will need in retirement.
The easy way:
Take how much you are earning today and subtract how much you are saving. The rest is what you are spending.
Earnings - savings = spending (taxes included)
To maintain your current lifestyle, you will need to generate enough income to cover what you are now spending, minus the savings.
The hard way:
Use a worksheet to add up all of your expenses or take out your checkbook and last year's tax forms and add up every expense you have. Expenses include utilities, gas, food, entertainment, property taxes, vehicle maintenance, pet care, prescriptions, car payments, etc.
The next step to take after you have determined your expenses is to identify all your sources of income. Investment interest fluctuates too much to qualify as a bona fide regular source of income.
What we want to look at are guaranteed income sources such as Social Security, pensions, employment and anything else that generates a steady stream of income.
For example, let's say that today you earn $50,000 a year and you are saving $5,000. That means you are spending $45,000, taxes included. Let's say your Social Security and other income sources will add up to $30,000 a year. Then you need to earn $15,000 a year from other investment income sources to maintain your current lifestyle.
Once you figure out what your retirement expenses and income will be, you should be able to figure out if you can afford to make regular, equal installment payments over four or five years for a car or whatever you would like to buy. If those payments will push you over the edge financially, then you obviously will not be able to afford those same payments with a loan.
2. The next step is to find an income strategy that works for you.
This will help you get the income you want from your savings and investments in a way that reduces risk, does not require an unrealistic rate of return (12 percent or more, for example) to work, does not have all kinds of fees and penalties and is a plan with which you feel comfortable. Again, counting on interest income is dependent on the types of investments you have. Interest income can be variable and is not guaranteed. Your best bet is to work with an income strategy that has guaranteed components to it.
Stay away from methods that are variable. Variable means that the income fluctuates with your investments, such as stocks. If you ever need a loan down the road or have an emergency and either need to put these investments up as collateral or want to use them, their value can be down, which will give you less to use (or borrow from).
See you next week with your questions.
Alan Klayman is creator of MyIncomeStrategy.com and CEO of Klayman Financial LLC. Klayman specializes in retirement income planning, business management and planning, estate planning, tax-advantaged investing, trust investment management, professional money management, insurance and annuities, mutual funds, fixed income securities, and institutional and personal retirement plan administration.
- When family members use 'secret' credit cards – Just who is responsible for the debt racked up by a spouse's secret credit card cache? 'Maturing Loans' columnist Klayman says it depends on several factors ...
- Sold the house, have some cash, now what? – Seniors who are downsizing need to pay off debt, create fixed-income investment income and have an emergency fund to cover financial surprises ...
- Pay down debt or invest? Which is more important? – With the financial markets so uncertain, is it wiser to pay down debt or keep investing for the future? ...


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Security Alert Johns Hopkins Medical Institutions: The incidence of theft at the hospital during recent weeks has increased, primarily in and around the Meyer, CMSC, Halsted, Nelson and Harvey buildings. The security office at the Medical Institutions strongly recommends that all employees raise their level of vigilance in securing their personal and institutional property. Lock your offices and do not leave valuables unattended or unsecured. The JHMI security office has begun initiatives to combat this problem, and officers request staff, student and faculty assistance in making this a successful effort. You are encouraged to call the security office, at 955-5585, immediately if you notice suspicious persons in your area. The security hotline, at 614-3903, can be used to provide information anonymously.
Go to Gazette Homepage


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Saddle Cover
Your saddle is likely your largest single investment in your tack room. Protect it with our saddle cover. Our saddle cover will protect your saddle from dust, scratches and the sun while allowing breathability so your saddle will never have mold or mildew. This saddle cover will fit all English saddles including hunt seat/general purpose and cut back/close contact. Easy to put on and take off and made from durable, high quality cotton designed by American designers and lined with our pre-shrunk linen canvas. Our adjustable elastic bands will let you decide how loose or snug you want your saddle cover to fit your saddle wether it s a size 13 or 16.5 . Even if you change your saddle down the road, you ll never have to buy another saddle cover because it will fit your new saddle every time.
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If you cannot find the color you are looking for, please contact us at 901-262-5089 or email us at email@example.com so that we can create your custom saddle cover & helmet bag set.


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Australia's Internet gaming providers have called for the Federal Government to overhaul its proposal to ban all online gaming.
The industry is pushing for wagering or sports betting to be excluded from the ban.
A Senate Committee hearing into the Federal Government's controversial interactive gambling bill at the weekend heard from a number of Australian companies calling for significant changes to the bill as it stands.
The majority argued that Australian-based Internet providers will be pushed offshore if the ban proceeds.
CANBET's Richard Farmer agrees that the legislation would make it difficult for operators to stay in Australia.
"As the act stand now, no prudent person can operate," he said.
The committee heard predictions that 99 per cent of Australian providers will move overseas if the bill is passed.
Australian Racing Board chairman Robert Charely says that is a big concern.
"We're concerned about offshore operators offering our citizens the chance to bet on our racing and returning no revenue to our industry," he said.


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Peruvian Multicolor Ceramic Vases
25 items
25 items
By Barbara
I have this vase and a bit smaller one called "Convent Girl". They were put away until I was ready to decorate my home. I only discovered them recently and so glad I did. I love the themes, and the colors are just bright and beautiful. Francisco Guerreros whose art speaks from his heart. Now that I have them out, sitting on an antique library table, I know my friends are going to be green with envy! Thank you Francisco for the beauty you have brought into my life.
By Rochelle
This is a colorful, ceramic vase from Peru. The scene depicts a street in the charming town of Cuzco. Warm and vibrant colors abound in this design. Rochelle New Jersey
By Marcie
These vases reflect the beauty of Andes art and decoration and have an honored home in my collection of vases from around the world.
"I consider myself a genuine artist. I learned to paint through my brother, but I've now expanded my artwork..."
Hand Painted Cuzco Ceramic Vase, "The Andes"
Hand Painted Cuzco Ceramic Vase, "Andean Girl"
Artisan-Crafted Ceramic Decorative Vase from Peru, "Incan Ceremony"
Artisan Crafted Cuzco Ceramic Folk Art Vase, "Convent Girl"


text: Hi everybody! Thanks for allowing me to be a part of this great great site! I was wondering since I have a 400MHz PowerPC G3 (512 MB SDRAM) and it's never let me down, however since it's running Tiger it tends to run on the slow side, BUT HEY! It was retired years ago so I can't complain! So anyways I was scrolling through the internet for ways to make an iMac G3 run faster and I found the Accelerate CPU iMac program. And I know that iMac G3's tend to heat up very fast so I thought this was a bad idea, but what do you guys think? Should I buy it? Thank you so much!


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Shraddha Kapoor Wiki
Shraddha Kapoor is an bollywood movie actress who was born in Mumbai, India. She made her debut as an actress in bollywood movie "Teen Patti" which was released in 2010. But she was started to recognized as an great actress from movie"Aashiqui 2″. She won the heart of many viewers by his performance in this movie. After seeing his performance she was later signed in movies like Ek Villain, Haider and Ungli. She was recently seen as an actress in bollywood movie "ABCD 2".
Shraddha Kapoor was born on 3rd March 1989 in Mumbai, India. She is daughter of Shakti Kapoor who is an famous actor and Shivangi Kapoor. She has completed her primary education from Jamnabai Narsee School and later went to Boston to complete his High School. During her studies there she also learn theater studies from Boston University. She later return to india and complete her graduation.
She has complete her acting skills under the guidance of Mohit Tugnait. Later she was signed as an actress in bollywood movie "Teen Patti". She also won the best female debut award for this movie. She was next seen as an actress in upcoming movie Rock On 2 !.
Name : Shraddha Kapoor
Place of Birth : Mumbai, India
Age : 26 Years
Height : 5'5″
Occupation : Actress, Model
Date Of Birth : 3rd March 1989
Official Twitter
Official Facebook
Upcoming Movie
The upcoming movies of Shraddha Kapoor is:-
Rock On 2
Shraddha Kapoor Boyfriend
According to source Shraddha was dating with his co-star actor Aditya Roy Kapoor. But later they broke off, Its reported that she is currently dating with industrialist's son from south mumbai.
For latest update on Shraddha Kapoor Wiki and her personal details stay updated to Wikiprofile.


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Before you read this document, please read our General Information fact sheet and find out if the ESA applies to you.
The Government committed to add a holiday in February within the first year of its new mandate.
Ontarians work very hard and they deserve more time to spend with the people they love. The addition of Family Day means that Ontarians who are covered by the Employment Standards Act, 2000 (ESA) holiday provisions are entitled to a minimum of nine public holidays with public holiday pay.
Family Day will be held on the third Monday in February every year. The regulation making Family Day a holiday under the Employment Standards Act, 2000 (ESA) came into force on Oct. 12, 2007.
It has been filed as Ontario Regulation 547/07. It was published on e-Laws on Oct. 16, 2007 and was published in the Ontario Gazette on Oct. 27, 2007.
Generally speaking, most employees will get a day off with pay enabling them to spend time with their family and loved ones. It will also give employees a day off between New Year's Day and Easter, which is a long period of time in which people need a rest.
Ontario's economy is strong enough to accommodate an extra public holiday.
While there may be some initial impact on productivity, that will likely be made up when employees return to work.
Employees who get time off may work even harder when they are back on the job.
There is good reason to believe a mid-winter holiday may spark an increase in industries such as tourism and entertainment/leisure.
Ontarians who are covered by the ESA holiday provisions are entitled to a minimum of nine public holidays. If your employer provides 10 or more paid holidays, you may not automatically be entitled to Family Day. It is best to speak to your employer or union official to determine whether you will have Family Day off.
The time between New Year's Day and Easter is long and people need a rest.
Family Day is currently recognized as a holiday in two other provinces – Alberta and Saskatchewan.
The additional holiday gives Ontario employees a total of nine statutory holidays per year, the same as in Alberta and British Columbia and one less than in Saskatchewan.
Most employees will be eligible to take off Family Day. Generally if a public holiday falls on a day that would ordinarily be a working day, and the employee is not on vacation, he or she is entitled to the day off work and to be paid public holiday pay. However, the employee would not be entitled if he or she failed, without reasonable cause, to work all of his or her last regularly scheduled day of work before Family Day or all or his or her first regularly scheduled day of work after Family Day.
Qualified employees can be full-time, part-time, permanent or on a limited-term contract. They can also be students. It does not matter how recently they were hired, or how many days they worked before the public holiday (although that can affect the amount of their public holiday pay).
Most Ontario employees will be eligible to take off Family Day.
However, there are three categories of employees who may not have the right to the day off. These include employees who:
Employees who are employed in a hospital, hotel, motel, tourist resort, restaurant, tavern or "continuous operation" may be required to work on Family Day if it falls on a day that is ordinarily a working day for them and they are not on vacation. In that case, the employer must either pay the employee his or her regular wages for the day and provide a substitute day off with pay, or pay the employee public holiday pay for the day plus premium pay (one and a half times his or her regular rate) for each hour worked on the day. A continuous operation is one that normally operates 24 hours a day and shuts down no more than once in each seven-day period.
Employees in certain occupations and industries are exempt from the public holiday provisions of the ESA. They are not entitled to take Family Day off, and if their employer required them to work on Family Day, they would not be entitled to public holiday pay. These employees include:
While teachers are exempt from the ESA, Family Day is a public holiday under the Education Act. More information on industries and jobs with special rules and/or special exemptions...
For example, if someone has an employment contract that provides them with 10 paid holidays a year, they would be receiving more than the ESA's minimum requirement. This could be found to provide the employee with a greater right or benefit than the ESA's holiday provisions (assuming that other aspects of the contract's holiday provisions are at least as favourable to employees as the ESA holiday provisions). In this case, the holiday provisions of the employment contract would apply instead of those in the ESA.
Many non-union employees do not have written employment contracts. In such a case, it would have to be determined what the employee's contractual entitlement for holidays was. In this regard, the employer's past practice would likely be relevant. So, if an employer has a practice of giving staff more than nine paid holidays, and continues to adhere to that practice and the practice is in other respects at least as favourable to employees as the ESA holiday provisions, the employer would likely be found to be providing a greater right or benefit for holidays than the ESA provides. That employer would not be required to provide employees with Family Day off work, but would certainly be free to do so.
Family Day is a public holiday under the Employment Standards Act, 2000 (ESA). If an employee thinks the employer is not complying with the ESA, he or she can call the Ministry of Labour's Employment Standards Information Centre at 416-326-7160 or toll free at 1-800-531-5551 for more information about the ESA and how to file a complaint. Complaints from non-union employees are investigated by an employment standards officer who can, if necessary, make orders against an employer, including an order to comply with the ESA. Unionized employees generally must use the grievance procedure under their collective agreement.
The Ministry of Labour has a number of options to enforce the ESA, including requesting voluntary compliance, issuing an order to pay wages, an order to reinstate and/or compensate, a notice of contravention, or issuing a ticket or otherwise prosecuting the employer under the Provincial Offences Act (POA).
In the case of prosecutions that are commenced through the issuance of a ticket, the set fine on conviction is $295.
In the case of prosecutions other than those commenced with a ticket, the maximum penalty, if an individual is convicted, is $50,000 or imprisonment for a term of not more than 12 months or both. If a corporation is convicted, the maximum fine is $100,000 for a first offence, $250,000 if the corporation has one previous conviction and $500,000 if the corporation has more than one previous conviction.
Under the Retail Business Holidays Act (RBHA), most retail outlets must close on a day that is a holiday under that act. For information on the RBHA you should contact the Ministry of Government Services, which administers that act.
Unionized employees would be entitled to take Family Day off with holiday pay unless their collective agreement is more beneficial to them in relation to holidays than the ESA holiday provisions. In that case, the collective agreement holiday provisions, rather than the ESA holiday provisions, would apply.
For example, a collective agreement that does not recognize Family Day but that gives ten other holidays (assuming other aspects of the contract's holiday provisions are at least as favourable to employees as ESA holiday provisions) might be found to provide a greater benefit in relation to holidays than the ESA. In that case, the agreement's holiday provisions would apply rather than the ESA holiday provisions, so the employees would not be entitled to the Family Day holiday.
Family Day was made a public holiday under the provincial Employment Standards Act, 2000 (ESA), and a holiday under the provincial Retail Business Holidays Act (RBHA). Provincial law does not apply to employees of federally-regulated businesses like banks, telecommunications companies, railways and airlines nor to federal civil servants.
Family Day is a public holiday for the majority of employees under Ontario jurisdiction. Federal government employees fall under federal jurisdiction. Accordingly, their public holidays are not governed by Ontario's Employment Standards Act, 2000.
Federally-regulated employees with questions about Family Day should speak with their employer or union official.
Under the Employment Standards Act, 2000, eligible Ontarians are entitled to the following public holidays:
The public holiday provisions in the ESA are a minimum requirement only. In some cases, an employee's employment contract or collective agreement might provide for other holidays, such as Civic Holiday, Easter Monday or Remembrance Day. However, these days are not public holidays under the ESA.
See also:
Disclaimer: This resource has been prepared to help employees and employers understand some of the minimum rights and obligations established under the Employment Standards Act, 2000 (ESA) and regulations. It is not legal advice. It is not intended to replace the ESA or regulations and reference should always be made to the official version of the legislation. Although we endeavor to ensure that the information in this resource is as current and accurate as possible, errors do occasionally occur. The ESA provides minimum standards only. Some employees may have greater rights under an employment contract, collective agreement, the common law or other legislation. Employers and employees may wish to obtain legal advice.


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The Pacific Ocean
The name Pacific, which means peaceful, was given to the Ocean by the Portuguese navigator Ferdinand Magellan in 1520. The Pacific Ocean is the world's largest water body covering roughly one third of the Earth's surface and containing more than half of the World Ocean's free water. The Ocean is bounded on the east by the North and South American continents, on the north by the Bering Strait; on the west by Asia, the Malay Archipelago, and Australia, and on the south by the South Polar Ocean. In the southeast the Pacific Ocean is divided from the Atlantic Ocean by the Drake Passage along 68 degree west longitude. In the southwest, its separation from the Indian Ocean is not officially and clearly designated. The Equator divides the Pacific Ocean into the North Pacific Ocean and the South Pacific Ocean.
The oldest ocean basin
The Pacific is the oldest of the existing ocean basins. Its oldest rocks were dated at 200 million years. The major features of the basin were shaped by the phenomena associated with plate tectonics and volcanism (see story below: 'Ring of Fire'). The ocean floor of the central Pacific basin is rather uniform, major irregularities in the area are the extremely steep-sided, flat-topped submarine peaks known as seamounts. The western part of the floor consists of mountain arcs that rise above sea level as island groups. Deep trenches lie adjacent to the outer margins of the wide western Pacific Ocean continental shelf. The ocean floor in the eastern Pacific is dominated by the East Pacific Rise, which is a part of the worldwide mid-oceanic ridge system. Most sedimentary deposits of the Pacific Ocean are of local origin like skeletal remains of sea life. Terrigenous sediments are confined to narrow marginal bands close to land.
The ocean currents
The surface circulation of Pacific Ocean waters is generally clockwise in the Northern Hemisphere and counterclockwise in the Southern Hemisphere.
The North Equatorial Current, driven westward along latitude 15 degree north by the trade winds, turns north near the Philippines to become the warm Kuroshio, or Japan, Current. Turning eastward at about 45 degree north, the Kuroshio forks and some waters move northward as the Aleutian Current, while the rest turns southward to rejoin the North Equatorial Current. The Aleutian Current branches as it approaches North America and forms the base of a counterclockwise circulation in the Bering Sea. Its southern arm becomes the slow, south-flowing California Current.
The South Equatorial Current, flowing west along the equator, swings southward east of New Guinea, turns east at about 50 degree south latitude, and joins the main westerly circulation of the Southern Pacific, which includes the Earth-circling Antarctic Circumpolar Current. As it approaches the Chilean coast, the South Equatorial Current divides; one branch flows around Cape Horn and the other turns north to form the Peru, or Humboldt, Current.
The climate
The Pacific Monsoon region lies in the far-western Pacific between Japan and Australia. Characteristic of this climatic region are dry winds that blow from the continental interior to the ocean in winter, and moist wind causing heavy rainfall in the opposite direction in summer. Consequently, a marked regional seasonality of cloudiness and rainfall occurs. The steady trade winds move along the Equator from the northeast in the Northern Hemisphere and from the southeast in the Southern Hemisphere. Both hurricanes and typhoons originate in the trade wind belt in late summer and early fall. Typhoons often cause extensive damage in the west and southwest Pacific while Hurricanes affect Mexico and Central America. The greatest typhoon frequency exists within the triangle from southern Japan to the central Philippines to eastern Micronesia.
El Niño
The cyclical El Niño phenomenon is the most remarkable meteorological and oceanographic feature of the Pacific Ocean (see also: Indian Ocean). Under non-El Niño conditions the trade winds south of the Equator blow towards the west across the tropical Pacific. These winds pile up warm surface water in the western Pacific, so that the sea surface is about 1/2 meter higher at Indonesia than at Ecuador. The sea surface temperature is about 8 degrees Celsius higher in the west; cool temperatures off South America predominate due to an upwelling of cold water from deeper layers. This cold water is nutrient-rich, supporting high levels of primary productivity, diverse marine ecosystems, and major fisheries.
Rainfall is found in rising air over the warmest water in the western Pacific, and the eastern Pacific is relatively dry. During El Niño conditions, the trade winds relax in the central and western Pacific and the warm water piled up in the western Pacific spreads towards the eastern Pacific. This reduces the upwelling of cool water along the South American coastline and, thus, cut off the supply of nutrient rich water for marine life. The result is a rise in sea surface temperature and a drastic decline in primary productivity, the latter of which affects the entire food chain, including commercial fisheries in this region. The eastward displacement of the atmospheric heat source overlaying the warmest water results in large changes in the global atmospheric circulation, which in turn force changes in weather in regions far removed from the tropical Pacific. Among these consequences are increased rainfall across the southern area of the US and in Peru, and drought in the West Pacific sometimes associated with devastating bush fires e.g. in Australia.
Important human migrations occurred in the Pacific in former times. Polynesians sailed from Tahiti towards Hawaii and New Zealand. In the early 16th century, Europeans explored the Pacific Ocean. Vasco Nunez de Balboa (1513) was one of the first and then followed by Ferdinand Magellan, who crossed the Pacific during his circumnavigation from 1519 to 22. In the 16th century Spanish ships sailed from Spain to the Philippines, New Guinea, and the Solomon Islands. During the 17th century, the Dutch, sailing around southern Africa, dominated discovery and trade in the Pacific Ocean.
In 1642, Abel Janszoon Tasman discovered Tasmania and New Zealand. The 18th century marked a burst of exploration by the Russians in Alaska and on the Aleutian Islands, the French in Polynesia, and the British in the three voyages of James Cook: to the South Pacific and Australia, Hawaii, and the North American Pacific Northwest. Growing imperialism during the 19th century resulted in the occupation of much of the Pacific Ocean by the Western powers. Significant contributions to oceanographic knowledge were made by the voyages of the H.M.S. Beagle in the 1830s, with Charles Darwin aboard. During the 1870s, the H.M.S. Challenger; the U.S.S. Tuscarora and the German Gazelle investigated the Pacific Ocean. Although the United States took the Philippines in 1898, Japan controlled the western Pacific by 1914. By the end of World War II the U.S. Pacific Fleet was the virtual master of the ocean.
Transportation and Fisheries
The Pacific Ocean provides low-cost sea transportation between East and West. Main trading routes connect harbors like Bangkok (Thailand), Hong Kong (China), Los Angeles (US), Pusan (South Korea), Sydney (Australia), Vladivostok (Russia), Wellington (NZ), and Yokohama (Japan).
Fish is the greatest resource of the Pacific Ocean. In 1996, over 60% of the world's fish catch came from the Pacific Ocean. The shoreline waters of the continents and the more temperate island regions yield herring, salmon, sardines, snapper, swordfish, and tuna, as well as shellfish. A large population of anchovies occurs along the South American coast that is of great importance as a World food resource. An extended guano industry was established from droppings of the seabirds that feed upon the anchovies.
The continental shelves off the coasts of California, Alaska, China, and the Indonesian area are known to contain large reserves of petroleum. Patches of the ocean floor are covered with "manganese nodules," potato-sized concretions of iron and manganese oxides that sometimes also contain copper, cobalt, and nickel. Moreover, different minerals, sand and gravel for the construction industry are exploited offshore.
Endangered marine species in the Pacific Ocean include the dugong, sea lion, sea otter, seals, turtles, and whales. Oil pollution occurs mainly in the Philippine Sea and the South China Sea.


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- 10 updates
Banks face mis-selling payouts
Britain's scandal-hit banking industry was facing another hefty compensation bill after a review of complex products sold to small businesses found more than 90% had been mis-sold.
Live updates
Banks face huge payout over mis-selling scandal
UK banks were hit with a hefty compensation bill after a review of complex products sold to small businesses found more than 90% had been mis-sold.
Business Secretary Vince Cable said it was "unbelievable" that some bankers still expected bonuses.
ITN News Business Editor Laura Kuenssberg reports.
Cable: 'Unbelievable' some bankers want big bonuses
The Business Secretary Vince Cable told ITV News it was "unbelievable" some bankers still wanted big bonuses. He said after everything that had gone wrong the public would not understand.
Treasury: Banks need to work out compensation
Greg Clarke, Financial Secretary to the Treasury, said banks must work with independent assessors and their customers to determine the amount of compensation due to clients who were mis-sold interest rate swaps:
BBA: Businesses affected should contact their bank
The British Bankers Association has welcomed today's report from City watchdog, the Financial Services Authority, into mis-sold interest rate swaps, and has said their members will work with customers affected by the scandal, "prioritising those with the greatest need."
FSA's 'alarming' report will 'bring relief to small firms'
The Federation of Small Businesses (FSB) has called on banks to take swift action to compensate the businesses caught up in the mis-selling of interest rate 'swaps' "scandal." The FSB said it is concerned there is still not a clear route for businesses to appeal a decision.
Relief for small business, more bad news for the banks
Banks face '£1.5 billion payout'
The UK's four big banks - Barclays, HSBC, Lloyds and RBS, have agreed to start work on reviewing individual sales and providing compensation, after City watchdog the FSA found a significant proportion of interest rate swaps were mis-sold to small businesses.
The cost of compensating businesses could total as much as £1.5 billion across the sector.
Barclays, HSBC and Royal Bank of Scotland have already set aside around £360 million to cover potential claims.
FSA: 90% of interest rate swaps mis-sold
The Financial Services Authority has confirmed that it will conduct a full review into the mis-selling of financial products to small businesses, in the form of interest rate 'swaps'.
The initial pilot has shown that 90% of sales "did not comply with at least one or more regulatory requirements". The watchdog said a "significant" number of these small business customers will be entitled to compensation.
- ITV Report
What are interest rate swaps?
FSA to announce findings of 'swaps' mis-selling inquiry
Britain's scandal-hit banking industry will face fresh scrutiny today when the Financial Services Authority publishes an update into the mis-selling of complex financial products to small businesses.
As many as 40,000 so-called interest rate swaps could have been mis-sold to small businesses since the end of 2001 after the Financial Services Authority (FSA) revealed last June it had uncovered "serious failings" in the sale of the products.
The FSA is expected to give its verdict on how banks have been handling complaints and how they must process them going forward.
It is thought the cost of compensating businesses could total as much as £1.5 billion across the sector.
Latest ITV News reports
Relief for small business, more bad news for the banks
The City watchdog found that 90% of interest rate swaps sold to small businesses were mis-sold, and customers are entitled to compensation.
What are interest rate swaps?
An FSA review found that more than 90% of so-called interest rate swaps sold to businesses were mis-sold. But what are they?


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What is a Cloud Server?
Need an unique IP address or shell access to your server? How about being able to configure server settings according to your own preferences? Cloud Server is what you need. You can choose between CentOS Linux or versions that come with cPanel or Plesk control panels, all pre-packed and ready for use within minutes.
Main features
Increase diskspace or upgrade your RAM anytime.
Shell Access
Get full control and customize server settings using your own root access.
Lightning Fast
Connected to multiple major carrier from our data centers. Using latest Solid-state drives for every instance.


text: Bill, since I wouldn't expect DMSO to dissociate in a noteworthy amount, it shouldn't affect pH in a measurable way. You may check the pK value of DMSO for reference. Another point of view: in my experience, very strong alkali (e.g. natrium metal) is required for abstracting one proton and producing the salt (dimsylate) wich is a very nice nucleophil. Though it is not stable in water (will yield DMSO and OH-). The equlibrium will be totally on the side of DMSO. Water will not be able to deprotonate DMSO. Thus DMSO shouldn't affect pH when added in tiny amounts to buffers. If you suspect any influence to the pH *measurement*, simply measure pH before adding DMSO. (There could be some influence on the electrode's electrical signal due to the redox properties of DMSO. The CRC Handbook of Chemistry and Physics maybe will elucidate this aspect). Finally some theoretical brain twisting: When you have say 50mol% (half of all molecules) DMSO in water, what will happen to the pH? A suggestion: Kw = ([H+]x[OH-])/[H2O] is the equilibrium constant for water If you change [H2O] (as you do when you substitute half of water molecules by DMSO) then [H+]x[OH-] also will have to be half. Since both factors are equal, [H+] and [OH-] will change absolutely by 1/(square root of two) (makes .707something). Since [H+] and [OH-] still are equal (DMSO will not add or remove any, I assume it not being dissociated at all), the solution still will be neutral and the pH will not change by -log(.707sth) as one could suspect at a first glance. Would you agree? (I have no idea if there is a bug in the argumentation) Wolfgang > From: Bill_A_Nussbaumer at ms.bd.com > Subject: effect of DMSO on pH > Date: 17 Mar 2000 21:45:33 -0000 > Organization: BIOSCI/MRC Human Genome Mapping Project Resource > Centre X-To: methods at hgmp.mrc.ac.uk To: > methods at hgmp.mrc.ac.uk > > > > > Bill A Nussbaumer at BDX > 03/17/2000 04:44 PM > > Hi all, > > Does anyone have any information or experience regarding the effect > on pH vs the effect on a pH meter when DMSO is added to a buffer? > Actual data, references, theories, and postulations all welcome. > > TIA, > > Bill Nussbaumer > > > --- ----- This message is encrypted. Use your brain to decode it. ----- Dr. Wolfgang Schechinger, Dept. of Pathobiochemistry University of Tuebingen, Germany email: wolfgang.schechinger at med.uni-tuebingen.de wwWait: http://www.medizin.uni-tuebingen.de/~wgschech/start.htm ----- usual disclaimers apply ----- ---


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Sometimes things don't always go to plan.
As background, a few months ago I was approached by two young entrepreneurs. They had purchased a semi-workable Bitcoin ATM off of another entrepreneur and were excited about the prospects and approached me to help with marketing to the public and prospective franchisees as well as garnering investment interest.
It was a verbal handshake I had done via Skype from the jungles of Guyana while looking at a gold mining enterprise. I then set off on a month-long media sojourn which had me in all the mainstream media promoting BitcoinATM and had been approached by numerous investors interested in the project.
I then went to San Diego last week to nail down the final specifics with the two young entrepreneurs and flew in my top financial advisor, a past CFO of numerous billion dollar companies who has done business for decades worldwide, and what we uncovered was that this was not going to be as simple as we had hoped.
Specifically, in the US and Europe, there are an incredible amount of banking, money and even telecommunications rules and regulations that would have to be adhered to if the company had any hope of survival. Not least of which was a $25 million "insurance bond" necessary as being deemed a "money transmitter" in the US.
Those who know me know that I despise all government regulation and taxation and see it as being economy destroying. However, to bring in investors, and having to adhere to even more agencies (securities law in the US) it was becoming to look insurmountable. The fascist system in the US has done its job. At threat of force (imprisonment) it had already laid out four agencies that were massive hurdles for putting a BitcoinATM in the US… and Europe, at the very least, almost impossible for a small organization.
I still hadn't given up hope and, as I always profess, I will fight oppression and control over the money, banking and financial system with everything I can.
And then the 23 year old entrepreneur, Evan Rose, who was half-owner of the BitcoinATM notified me a few days ago that my participation was no longer necessary.
That was interesting, I thought, as we had an agreement for my involvement and I had done everything I said I would do. It turned out that once I had put BitcoinATM on the world stage he decided to take all that I had done and dismiss me.
I do not wish to publish dirty laundry… and while the actions of the co-founders of BitcoinATM were incredibly dishonorable, I put it down it to them being much like me I was when I was 23… young, unwise and unaware of what they are even involved with.
But it is my belief that he has no idea what kind of business he is trying to get into and how hard it will be to do without a number of the right pieces in place.
As always, and very unlike Barack Obama, I am very transparent in everything I do so I do wish to announce publicly that I will no longer have any involvement with BitcoinATM.
After a day or two of pondering, however, I have realized that this may truly be a blessing in disguise. The biggest issue with BitcoinATM, and one that I have stated in the past many times, is that it is hardware. Any government, anywhere, can just come and take it away.
It was always the achilles heel of this product.
Can it succeed? Sure, under the right guidance and a massive amount of capital of lawyers to fight off every single country in which the machine is placed. And, even then, there is no guarantee. Just look at Canada which has already begun to shutter bank accounts of anyone even involved in a bitcoin exchange. As I've also stated numerous times in the past few years, there is no real law. Those with the guns do what they want. And, those with the guns are backed by the major money controlling cartels (central banks and those who control them). They don't like a major distruption in their business.
I still am incredibly excited about bitcoin. It will change the world. And the reason it will is that it is decentralized and there is no physical place where the powers that be can shut it down. This is the one very difficult challenge for BitcoinATM. And one that I have always stated but still got behind it because it does have the ability to change the game.
I am now focusing more of my efforts on less physical ventures that will be much harder to be controlled by governments and central banks. Things such as a P2P bitcoin exchange, similar to Mt. Gox, but without any central servers. And many more.
In this vein, if you or anyone you know is one of the top percentile programmers and theorists in P2P protocols please contact us here at TDV.
If there is one thing that my involvement with BitcoinATM has shown me very plainly in the last month is that bitcoin has the direct attention of the governments, central banks and banks. It took them nearly two decades to figure out the internet would be their downfall. In this case, it has only taken them months to realize that bitcoin could end their monopoly on money and banking. The only way for us freedom fighters to defeat them will be to do so much in the same way as bitcoin is and has been doing – by being decentralized and unable to be stopped by guns and regulations.
That is where my focus will now go. This is an incredibly revolutionary environment and mistakes will be made along the way… constantly. I've never been shy about admitting my mistakes and neither have I been shy in promoting the value of things like the internet and bitcoin to unchain humans from slavery.
My involvement with BitcoinATM has turned out to be a mistake. But not one without some positives. I sat front and center in front of the US and world media alerting to the scam of central banking and government controlled money systems. That alone has some value.
And I will be back and the next time smarter and bolder. This is not the last you've heard from me on bitcoin.


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This is the hardest question so far, please try to solve it!!
One evening there was a murder in the home of married couple, their son and daughter. One of these four people murdered one of the others. One of the members of the family witnessed the crime.
The other one helped the murderer.
These are the things we know for sure:
1. The witness and the one who helped the murderer were not of the same sex.
2. The oldest person and the witness were not of the same sex.
3. The youngest person and the victim were not of the same sex.
4. The one who helped the murderer was older than the victim.
5. The father was the oldest member of the family.
6. The murderer was not the youngest member of the family.
Who was the murderer?
Establish what we know about the youngest person first. This person cannot have been either the victim three, the helper four or the killer five. Then work out who was oldest, youngest, etc. After this draw up the various possibilities about who could have been what.
We know from (3) that the youngest person was not the victim, from (4) that the youngest person was not the helper and from (6) that the youngest person was not the killer. The youngest person can only have been the witness therefore. If we make up a chart there are now three possible combinations:
Oldest person (father) H H M
Next to oldest (mother) V M H
Next to youngest (son) M V V
Youngest (daughter) W W W
(H = Helper ; V = Victim ; M = Murderer ; W = Witness)
We can work out from (5) that the father was the oldest, from (2) that the youngest person must have been the daughter. Therefore the next to the youngest must have been the son and the next to the oldest, the mother.
Of three possibilities: the first is impossible (from (3) – the youngest person and the victim were of different sexes); the third is also impossible (from (1) – the witness and the helper were of different sexes). Therefore only the second possibility holds – and the mother was the murderess.


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In a bid to extend its presence in offline direct mail, Microsoft Corp. has entered a broad-ranging small-business deal with Portland, Ore.-based Zairmail Inc. The pact underscores not only Microsoft's expanding focus on the potentially lucrative small-business market but also both companies' commitment to offline direct mail.
Microsoft will begin marketing Zairmail's services—which allow marketers to create and execute offline direct mail campaigns entirely online—to users of bCentral, Microsoft's small-business portal. BCentral's users will be able to access a Zairmail section of the site to design and mail letters, postcards and fliers.
Zairmail paid Microsoft a one-time fee for representation on the U.S. version of bCentral, said Wilson Zehr, CEO of Zairmail. He would not disclose the rate. Meanwhile, Microsoft will get a percentage, which was not disclosed, of each deal consummated over bCentral Canada.
The deal comes less than two months after the anthrax scare, an episode that many pundits predicted, when combined with the rise of e-mail marketing, would lead to a marked slowdown in offline direct mail. But since then the U.S. Postal Service has reported only a minor decline—about 8% from a year earlier—in postal deliveries.
Immediate marketing boost
For Zairmail, the deal provides a de facto nationwide marketing presence. "It creates additional exposure," Zehr said.
Through the Zairmail section on bCentral, users can create an entire offline direct mail campaign. First, b-to-b lists, supplied by Zairmail, are chosen. Fields can be filled out using Zairmail-designed templates, text can be written and the end product forwarded online to Zairmail. The company arranges for it to be printed and sent via the USPS from one of 12 printing plants in the U.S.
Zehr said one of the main advantages of using Zairmail is speed. "You can compose a campaign, choose lists, drop it in the mail, all in .74 days," Zehr said. According to the Direct Marketing Association, the average offline direct mail campaign takes three weeks to create and execute.
A good year for Zairmail
The Microsoft deal capped off a good year for Zairmail. The company's 2001 revenues, which Zehr did not disclose, were up between 300% and 400% over 2000. "Business through the Web continues to double on a monthly basis," Zehr said. The company's client base is now at 20,000, up from 2,000 a year ago.
Though Zairmail has worked on smaller deals for the past year with Microsoft, the current one is its most extensive yet. "Over time, what we've been able to do is convince Microsoft that mail's not going away," Zehr said. "The demographic selection capability's much better. And it has a much different impact than an e-mail message." Eighty-five percent of Zairmail's business comes from repeat users, Zehr said.
Microsoft bCentral, which also has vendor deals with companies including Bank One Corp., signed on with Zairmail because of client demand for Internet-based postal services, said Janelle Poole, bCentral marketing manager. "Zairmail was a logical fit for us," she said. "We are focused on small businesses and all we do is focused toward that."
The deal is a natural extension for Microsoft, which earlier in 2001 acquired Fargo, N.D.-based Great Plains Software, a vendor to small and midsize businesses, for $1.1 billion in stock.
BCentral launched to much fanfare in 1999, and since then has quietly been accumulating clients. It now has 1.6 million registered users and 4.5 million page views per month, Poole said. Clients include businesses ranging from hair salons to CPA firms to retail stores, she said.


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Volunteer Statements
Volunteer Statement of Faith
- The Bible
We believe the Bible, composed of the Tenach (Jewish Scriptures) and the Apostolic Writings of the New Covenant (Brit Chadasha), is the only infallible and authoritative Word of God.
2 Timothy 3:15-17; Romans 15:4; 2 Peter 1:19-21; Hebrews 4:2; Ephesians 6:17
- God Is Echad
We believe God is Echad, as declared in the Shema, "a united one" or "compound unity" eternally existent in three persons.
Deuteronomy 6:4; Isaiah 48:16-17; 1 John 5:7-13
- Deity
We believe in the Deity of Yeshua HaMashiach (Jesus, the Messiah), that He is the "Seed of the woman" as God promised, and that His virgin birth was to be a sign to Israel of His Messiahship.
Genesis 3:15; Isaiah 7:14; Isaiah 9:6-7; Matthew 1:22-23
- Messiah Yeshua's Life
We believe in Messiah Yeshua's life, His miracles yesterday and today, His vicarious and sacrificial death as our atonement, His bodily resurrection, His personal future return for His followers, both living and dead, and the future establishment of His kingdom on Earth.
Isaiah 53:8-11; 2 Corinthians 5:21; Isaiah 9:6-7; 1 Corinthians 11:26; Zechariah 12:6-10; Zechariah 14:16-21
- Cleansed By Grace
We believe that the only means of being cleansed from sin is by grace, through faith in the shed sacrificial blood of the Lamb of God, Yeshua HaMashiach, and that regeneration by the Spirit of God is absolutely essential for personal salvation.
Leviticus 17:11; Ephesians 2:8; Romans 1:17; Habakkuk 2:4; John 3:3; Hebrews 11:6; Genesis 15:6
- HaRuach HaKodesh
We believe in the present ministry of HaRuach HaKodesh (Holy Spirit) by whose indwelling the believer is enabled to live a godly life.
Jeremiah 31:31-34; John 14:15-17; Galatians 5:13-25
- Sons & Daughters of Israel
We believe the Jews according to the flesh (descendants of Abraham through Isaac, whether through the blood line of the mother or the father) who place their faith in Israel's Messiah Yeshua have not disowned or separated themselves from their race and Judaic heritage, but remain sons and daughters of Israel. Gentiles who place their faith in Israel's Messiah Yeshua are also, spiritually, sons and daughters of Israel.
Galatians 3:28-29; Romans 2:28-29; Genesis 15:6
- Resurrection
We believe in the resurrection of both saved and lost, the one to everlasting life and the other to eternal separation from God, the latter being consigned to a state of everlasting punishment.
Daniel 12:2; Matthew 25:46; Psalm 69:28; Revelation 20:12-15
- Middle Wall of Partition
We believe the middle wall of partition which in times past separated Jews and Gentiles has been broken down, the enmity between them eradicated by the Messiah Yeshua.
Ephesians 2:12-24; Acts 10:34
- New Covenant Body
We believe the New Covenant body of the Lord is composed of both Jews and Gentiles who have accepted Yeshua HaMashiach as the promised Redeemer and that now they are to worship together in the House of God.
1 Corinthians 12:13; Hebrews 10:25; Ephesians 3:6, 10-12
- Jewish Followers of Yeshua
We believe that as Jewish followers of Yeshua, we are called to maintain our Jewish biblical heritage and remain part of our people, and the universal body of believers. This is part of our identity and a witness to the faithfulness of God.
Romans 3:1-4; 1 Corinthians 7:17-20; Acts 21:20-24
This statement of faith does not exhaust the extent of our beliefs. The Bible itself, as the inspired and infallible Word of God that speaks with final authority concerning truth, morality, and the proper conduct of mankind, is the sole and final source of all that we believe. For purposes of MJBI's faith, doctrine, practice, policy, and discipline, our Board is MJBI's final interpretive authority on the Bible's meaning and application.
Volunteer Statement on Marriage, Gender, and Sexuality
We believe that God wonderfully and immutably creates each person as male or female. These two distinct, complementary genders together reflect the image and nature of God. (Gen 1:26-27.) Rejection of one's biological sex is a rejection of the image of God within that person.
We believe that the term "marriage" has only one meaning: the uniting of one man and one woman in a single, exclusive union, as delineated in Scripture. (Gen 2:18-25.) We believe that God intends sexual intimacy to occur only between a man and a woman who are married to each other. (1 Cor 6:18; 7:2-5; Heb 13:4.) We believe that God has commanded that no intimate sexual activity be engaged in outside of a marriage between a man and a woman.
We believe that any form of sexual immorality (including adultery, fornication, homosexual behavior, bisexual conduct, bestiality, incest, and use of pornography) is sinful and offensive to God. (Matt 15:18-20; 1 Cor 6:9-10.)
We believe that in order to preserve the function and integrity of MJBI as a biblically founded ministry and to provide a biblical role model to our staff, our constituents and ministry partners, and our students, it is imperative that all persons employed by MJBI in any capacity, or who serve as volunteers, agree to and abide by this Statement on Marriage, Gender, and Sexuality. (Matt 5:16; Phil 2:14-16; 1 Thess 5:22.)
We believe that God offers redemption and restoration to all who confess and forsake their sin, seeking His mercy and forgiveness through Jesus Christ. (Acts 3:19-21; Rom 10:9-10; 1 Cor 6:9-11.)
We believe that every person must be afforded compassion, love, kindness, respect, and dignity. (Mark 12:28-31; Luke 6:31.) Hateful and harassing behavior or attitudes directed toward any individual are to be repudiated and are not in accord with Scripture nor the doctrines of MJBI.
Volunteer Statement on the Sanctity of Human Life
We believe that all human life is sacred and created by God in His image. Human life is of inestimable worth in all its dimensions, including pre-born babies, the aged, the physically or mentally challenged, and every other stage or condition from conception through natural death. We are therefore called to defend, protect, and value all human life. (Ps 139.)


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An encounter with the mysterious and intriguing Judd rocks her world. He makes Phoebe feel accepted, understood; he also brings an ancient prophesy that she never expected. The answers to the secrets that have plagued her existence are held within the man she yearns for. As her life crumbles will she have to make a choice; stay in the life she knows or walk away from everyone who matters to save the people she loves.
Jenna Thompson lives in Derbyshire in the UK with her dashing husband Neil, her two adorable children Ronnie and Rosie and their little ginger dog Sally!
Jenna fell in love with supernatural / paranormal fiction with the release of Twilight (gasp!) and from there, her love of the genre grew and grew and pretty soon, a story of her own began to etch its way into her brain.
Whilst having the privilege of being a 'stay at home' mum, she discovered her love of writing and one warm spring day whilst sat in the garden watching the kids play she began putting down onto paper the conversations and images that filled her head.
Through the constant support and encouragement of a very close friend, 'Violet Awakening' was born and she hasn't stopped writing since!
Jenna is incredibly proud to present 'Violet Awakening' as the first book in the trilogy. Here's hoping you enjoy reading it, as much as she enjoyed writing it…
A dark, ominous presence swallowed up any calm that a summer's night generally brought. I swallowed thickly as I realised that presence was similar to the one that haunted my dreams. I knew that somehow it had climbed out of my warped mind and was set to unleash havoc.
The tall one tried to wrestle the woman to the floor while the smaller one called Felix held her legs. She thrashed her body about and I admired the fight in her.
"It's always the ones that fight that taste so good." The tall one drawled and I winced when he back handed her sharply across her face. Something about the flash of blonde hair was familiar to me but the disturbing display in front of me demanded my thoughts. I couldn't afford to be sidetracked.
The woman slumped in the tall one's arms as all of the fight drained from her with the blood that poured from her cheek. He leaned in to her. And with what looked like a claw instead of a hand, he wiped one of its disfigured white fingers across her cheek. He lapped the blood from his skin like a cat would milk. Whatever breath I had in my lungs whooshed from me. The disturbing image repulsed me, making my throat burn as bile surged. I bent at the middle trying not to retch. My body began to shake violently at the horrific sight. The woman groaned and it was that pathetic sound that pushed me out of my hiding place and into the street. I couldn't stand by and watch this happen.


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The award recipients are listed below. Detailed information on the project categories and awards can be found at: http://www.aaees.org/e3scompetition. Click on the links below to view a full profile of each winning project.
Bioconversion of Wastes (Wastewater Sludge, Glycerol) to Biodiesel
Entrant: Institut national de la recherche scientifique, INRS-ETE, University of Québec, Canada
Engineers in Charge: R.D. Tyagi, Ph.D, and Rao Y. Surampalli, Ph.D., P.E., BCEE
Location: Quebec, Canada
Tucson International Airport Area Groundwater Remediation Project (TARP) Advanced Oxidation Process Water Treatment Facility
Entrant: ARCADIS and Tucson Water
Engineer in Charge: George Maseeh, P.E., BCEE
Location: Tucson, Arizona
Digester Complex Rehabilitation Improvements for Des Moines Metropolitan Wastewater Reclamation Authority
Entrant: CDM Smith
Engineer in Charge: Patrick O'Neill, P.E.
Location: Des Moines, Iowa
Whale Creek Sludge Dock & Vessels Projects - Contracts NC-50/50A
Entrant: Greeley and Hansen
Engineers in Charge: Cliff Pomerantz, P.E., and Sundaram Solai, P.E.
Location: New York, New York
AVEK Westside Water Bank
Entrant: Kennedy/Jenks Consultants and AECOM
Engineer in Charge: David Ferguson, Ph.D., P.E., BCEE
Location: Palmdale, California
Dallas/Forth Worth International Airport Sustainability Management Plan
Entrant: CDM Smith
Engineer in Charge: Candace Pearson, P.E.
Location: DFW Airport, Texas
No winners for 2015.
Los Angeles Department of Water and Power (LADWP) Stormwater Capture Master Plan
Entrant: Los Angeles Department of Water and Power
Engineer in Charge: Mark Hanna, Ph.D., P.E.
Location: Los Angeles, California
Santa Clarita Valley Sanitation Valley District Chloride Compliance Program
Entrant: Sanitation Districts of Los Angeles County
Engineer in Charge: Grace Robinson, Hyde, P.E., BCEE
Location: Santa Clarita, California
North Valley Regional Recycled Water Program (Phase 3)
Entrant: RMC Water and Environment
Engineer in Charge: Lyndel Melton, P.E., BCEE
Location: Patterson, California
Using Environmental Engineering Tools, Scientific Analyses and Epidemiological Studies to Quantify Human Exposure to Contaminated Drinking Water and to benefit Public Health
Entrant: Agency for Toxic Substances and Disease Registry
Engineer in Charge: Morris L. Maslia, P.E., DEE
Location: Atlanta, Georgia
Lowering the Economic, Operation, and Environmental Barriers to Sidestream Deammonification: Pilot Testing of the ANITA Mox® Process
Entrant: Sanitation Districts of Los Angeles County
Engineer in Charge: Grace Robinson Hyde, P.E., BCEE
Location: Whittier, California
Point-of-Generation Nitrogen Recovery from Wastewater
Entrant: Applied Environmental Technology
Engineer in Charge: Daniel P. Smith, P.E., BCEE
Location: Tampa, Florida
Greening Grey Infrastructure: A Lightweight Alternative to Upgrade the District's Water Supply Facilities
Entrant: DC Water
Engineer in Charge: John Cassidy
Location: Washington, DC
Remediation of Mirror Lake Using In-Situ Amendment of Activated Carbon to Sediments
Entrant: Delaware Department of Natural Resources and Environmental Control
Engineer in Charge: Douglas G. Streaker, P.E.
Location: Dover, Delaware
Influence of Selected Land Application Strategies on the Fate and Transport of Antimicrobials and Antimicrobial Resistance Genes in the Agricultural Environment
Entrant: Department of Civil Engineering University of Nebraska - Lincoln and Agricultural Research Service, US Department of Agriculture
Persons in Charge: Xu Li and Shannon Bartelt-Hunt
Location: Lincoln, Nebraska
Development of In-Situ Remediation of Contaminated Sediments with Activated Carbon and Transition to Practice
Entrant: Department of Chemical, Biochemical, and Environmental Engineering, University of Maryland Baltimore County
Engineer in Charge: Upal Ghosh
Location: Baltimore, Maryland


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MacSpeech, Inc. has released a new language version for iListen 1.5.1. iListen is a verbal text utility designed to allow direct speech translation to text on Mac OS X. The update features Dutch language support. According to MacSpeech:
MacSpeech has announced a shipping date for iListen, its speech recognition software, and the appointment of a distributor for the Netherlands.
The new Dutch distributor, Noadis, will introduce the new version of iListen on Saturday, Sept. 28th, at the Klokhuis Apple Day. The one day show, held at De Blokhoeve in Nieuwegein, provides Dutch Apple enthusiasts with a unique opportunity to view a wide range of Apple offerings.
Henk Hodiamont, CEO of Noadis will be giving visitors demonstrations of the iListen program, fresh from its appearance at Macworld Paris two weeks ago. MacSpeech debuted iListen in five languages at the Paris show -- Dutch, UK English, Italian, French and German. Dutch resellers and end-users can place orders at the show for the productis announced shipping date, October, 15th.
You can find more information about the iListen update at the MacSpeech, Inc. Web site. iListen is available for US$99.00.


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A Revolutions Counter marked 'Foreign' so it is likely to be of German Make just after World War One when marking items as 'German' was simply not good marketing. In original box the counter is in excellent condition...has a diameter of 2 3/8". a depth of 1 1/8", and is 4" in overall length.
6 other shoppers have this item in their Cart or Wish List
At Molloy's MEGA ANTIQUES CENTRE, Takapuna, Auckland, New Zealand
Specialists in Pacific Islands Items, Victoriana, And a Fascinating Range of General Collectibles


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Researchers from the US National Institute of Standards and Technology (NIST) have managed to create a precursor of a photon molecule, making two photons travel side by side at a specific distance.
The work is a continuation of an earlier experiment, in which a molecule of two photons with one sitting atop the other has been created.
The two experiments are important steps towards the possibility of building objects out of weightless photons.
"It's not a molecule per se, but you can imagine it as having a similar kind of structure," explained NIST's Alexey Gorshkov. "We're learning how to build complex states of light that, in turn, can be built into more complex objects. This is the first time anyone has shown how to bind two photons a finite distance apart."
In an article in the latest issue of the Physical Review Letters, the researchers explained that the arrangement binding the two photons is akin to the way that two hydrogen atoms sit next to each other in a hydrogen molecule.
"Lots of modern technologies are based on light, from communication technology to high-definition imaging," Gorshkov said. "Many of them would be greatly improved if we could engineer interactions between photons."
The finding could make it easier to calibrate sensors by creating a 'standard candle' shining a precise number of photons at a detector.
Furthermore, binding and entangling photons could eventually pave the way for using photons as information processors in computers.
Such computers would not only be faster, but also much more energy-efficient, the researchers said.
Currently, all data travelling in the form of light beams in fibre-optic cables have to be converted into electrons for processing. The conversion requires a lot of energy and could be completely removed if computers were able to process photons directly.
"It's a cool new way to study photons," Gorshkov said. "They're massless and fly at the speed of light. Slowing them down and binding them may show us other things we didn't know about them before."