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Marketing Research
New Product Development and Management
Dr. Frank Bass, a world-renowned expert on new product development and management, heavily researched the diffusion of new product sales and the spread of new technology for over 30 years. He developed the famous diffusion model that bears his name, the Bass model. He consulted with many companies to forecast the sales of new products. His research focuses on the use of pricing and promotional strategies during new product launches. Other researchers have focused on the effect of first mover advantages.
Faculty: Dr. Ram C. Rao, Dr. B.P.S. Murthi
Competitive Models of Marketing Strategy
Using game theory analysis, Dr. Ram Rao, a leading scholar in this area, has studied the competitive effects of advertising, promotions and pricing on equilibrium profits and firm's strategies. In recent work, he has considered issues related to supermarket competition, consistent assortment provision, equilibrium price communication, unadvertised specials, advertising royalty in franchising operations and double coupons strategy. Dr. Kumar, Dr. Prasad, Dr. Haruvy and Dr. Bruce also use game theory to address issues related to trade promotions, retail pass through of promotional discounts, category management, strategic sourcing of private label brands, open-source software and internet auctions.
Faculty: Dr. Ram C. Rao, Dr. Nanda Kumar, Dr. Ashutosh Prasad, Dr. Ernan Haruvy, Dr. Norris Bruce
Sales Promotions
Stochastic brand choice models were developed by Dr. Bass in the early 70's. Recent choice models estimated on grocery scanner panel data shed light on the effectiveness of different kinds of promotions. Dr. Murthi, Dr. Kumar and Dr. Bruce employ these empirical models to better understand how promotions affect consumer choice behavior. The long-term impact of promotions and competitive promotional strategies are researched by Dr. Rao, Dr. Kumar and Dr. Murthi.
Faculty: Dr. Ram C. Rao, Dr. B.P.S. Murthi, Dr. Nanda Kumar, Dr. Norris Bruce
Retail Channel Management
Dr. Rao has looked at issues such as supermarket competition, consistent provision of assortment, and double couponing in the context of retail strategies. Dr. Kumar is studying optimal category management strategies and sourcing of private labels.
Faculty: Dr. Ram C. Rao, Dr. Nanda Kumar
Information Economics and Marketing on the Internet
In the area of information economics, Dr. Haruvy and Dr. Prasad have been investigating methods of leveraging network externality effects to accelerate the adoption of software products. Other research includes the design of freeware, the effect of freeware and dynamic pricing and the effect of piracy. Dr. Haruvy, Dr. Rao and Dr. Bruce are studying how auction formats affect final prices in Internet auctions. Dr. Murthi is conducting research on personalization on the Internet.
Faculty: Dr. B.P.S. Murthi, Dr. Ashutosh Prasad, Dr. Ernan Haruvy, Dr. Ram C. Rao, Dr. Norris Bruce


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I am using Ubuntu 9.10. Recently I had convert my pendrive from FAT32 to NTFS format to save mkv files. Then when I insert and play it in Ubuntu it doesn't play. The following error occurs:
The required software to play this file is not installed. The playback software MPEG-4 AAC decoder is required.
How can I get, install and play it on Ubuntu 9.10?

subset: commoncrawl


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SOCORRO, N.M., March 19, 2003 -- Shannon Gaddy Ferrell, a Gallup native who is now a senior majoring in materials engineering at New Mexico Tech, recently was named the research university's "Engineering Student of the Year Runnerup."
Ferrell was selected for the distinguished award by the university's engineering faculty on the basis of her exhibited academic excellence at New Mexico Tech.
Ferrell, a graduate of Gallup High School, is the daughter of Leroy and Margaret Gaddy of Gallup.
A member of the Tau Beta Pi National Engineering Honor Society, Ferrell has been a New Mexico Tech Scholar since 2001, and has made the university's honor roll the past four semesters.
In addition to her studies, Ferrell currently is working as an undergraduate research assistant on a materials engineering research project that involves characterizing the rheological behavior of nano-scale silica suspensions, particularly gelation.
Ferrell also is an active member of The Materials Society.
"I have met some great and supportive professors here at New Mexico Tech," Ferrell relates, "like Dr. Deidre Hirschfeld, my faculty advisor in the materials engineering department."


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I grew up in this town. I venture out of it to go to NYC, Miami, Vegas, and other destinations of interest and entertainment, but it was always great to return home. Over the past few years I have had this burning desire to leave this town for greener pastures, but have always found a reason to stay or give it another chance. However, I must say I have finally given up on Albany and the Capital Region as a whole. This area just doesn't get it. Forget the obvious stuff that has been creeping up lately such as high gas prices, unemployment, and other issues that make life hard to deal with. That is a shared inconvenience of everyone both locally and nationally. Forget issues like road deterioration, and poor public transportation (try getting a cab on a weekend night anywhere, and you will either wait on a corner for 30 minutes or you will get hung up on by some ignorant miserable person with no common sense to realize that every person he hangs up on is less money for the organization he works for….bet his bosses would love that). Forget the fact that Albany's biggest entertainment yearly is centered around getting drunk and marching in a parade for a Holiday that doesn't exist in this country, or a concert series in the summer with acts that haven't had a hit song in 20 years. Forget all that. My beef in this regard is the poor excuse for nightlife in the Capital Region.
I think it is obviously well known that I am a DJ, if you don't know that where have you been, I remind you four times a day at least. I also believe that with 16 years of experience in the industry and having partied at some of the biggest clubs in this country, I might have the authority to speak on this matter.
I will start off by saying we have some wonderful bars and venues to eat, drink & be merry in this region. However, we do not have one true nightclub. We don't. Name me one true nightclub. But before you start ripping off what you think qualifies let me first give you the qualifications for what a nightclub makes.
1. A cool name (sorry but its true, you have to have a cool name to be a nightclub…even if what is cool is objective.)
2. A guy at the door collecting a cover charge. (Sorry Capital Region, but real nightclubs collect cover charges, it's how they help pay for the entertainment they let you enjoy on a given night…stop being cheap and fork over $5)
3. A designated dance floor (this is a must…if people don't know where to dance, they feel awkward and sometimes won't.)
4. A great lighting system (a disco ball, and some lazers do not a lighting system make…you don't need to spend a $20K but intelligent lighting is a must.)
5. A great sound system (You can not install couple of 15″ speakers and a retail grade subwoofer and call that a soundsystem…spend some money and shake the walls with your speakers…it's worth it trust me.)
6. A Dress Code (I am not saying you have to wear suits and dresses. But your Nightclub Venue should have some pride. Sorry no hats. No sleeves, no entrance. Jeans are fine in some instances, that is the style now…as long as they are clean and crisp. Ladies have some class, wear heels, you can't wear flip flops to a nightclub. And don't wear anything you saw a dancer wear in a rap video on MTV2 (I would say MTV but they don't show videos anymore). If you force people to dress nice…they act more mature!)
7. Hire Professionals. (Stop hiring girls to bartend just cuz they are pretty. First off their personality makes them less pretty, and secondly when I pay $8 for a drink I want it made by someone who actually knows what they are doing. Not to mention half of them just wanna bartend to make money from dumb guys who tip cuz they show their cleavage and flirt with them. Newsflash that doesn't help your bars bottom line. Not to mention they are not doing their job b/c they are too busy socializing. I am not paying another $8 for a drink that tastes like liquid incompetence at your establishment, I can go anywhere for that. Hire people with no drama…men or women. You have a crazy ex who comes to the bar…you have no job…you don't have reliable transportation or you can't get to work on time…I can't have you working here. You have a problem with someone in my establishment…tough, they are my customer..act like an adult.)
8, And this is most important of all in my opinion…HIRE A GOOD DJ! (stop paying some kid who just got Serato and a Laptop $50-$100 to play music all night long. Professional DJ's are more valuable then you obviously realize…why do you think major nightclubs throughout the world pay thousands of $$$ to have DJ's come into their venue to play? A good DJ not only knows what songs to play and when to play them, but he/she knows how to read the crowd and transition to keep the crowd into it. A good DJ also keeps people in your bar spending money at your establishment, because they are enjoying their time. The average person goes to 2-3 bars a night…but they spend the most time at the venue they are having the most fun at…a combination of atmosphere, service, music, or as otherwise put, all the things I stated above. However, a good DJ is so much more important then anything, which is why back alley bars are sometimes the most fun b/c the music is awesome. So if you don't have a good DJ, and I mean someone who has years of experience, playing to large audiences and has a vast knowledge of music, then you are failing. Oh and your DJ must play "Dance" Music…no rap, no trendy group dances, straight "Dance" Music. Old School Party Hip Hop counts and so does some latin or reggaetone songs…but if it isn't able to actually dance to and not grind to or sway to then it doesn't qualify. So sorry DJ's, if you play "Black & Yellow", "Teach Me How To Dougie", or any Lil Wayne song, you are not a Nightclub DJ.
So with that being said, if you don't have all of those qualifications, then you are not a nightclub! Sorry but fact is fact.
The Capital Region does not have 1 nightclub…not even 1. We have great bars, some good lounges, and a few cool venues, but no nightclubs…Vapor in Saratoga might be the only legitimate nightclub, but I am not sure if they pass the Dress Code Challege. They do not have a DJ more often then not, mostly bands but those bands are the best of the best in this area and Vapor really does get it. They also are what they are, they cater to a more mature crowd and do very well with that demographic.
And if you are an upscale lounge, then the two things you need the most is an experienced professional staff and a DJ spinning the right type of music to maintain the ambience of what a lounge is. MEANING NO RAP!!!
The biggest problem is that now-a-days every new venue that opens, promises to be the place where mature people can go and dance and be with like minded people and just enjoy their weekend. Then guess what. they start to loosen the dress code, or they start to let in underage people, or they let artists or DJ's perform at their venue that does not fit their brand identity. They hire bad or inexperienced staff or they as management or ownership start to screw with what is working. Again this is not a shot to those establishments that know what they are and are happy with it, this is to those delusional establishments that don't realize they aren't nightclubs.
I love Savannah's in downtown Albany b/c it knows what it is…a great place to drink great beer, eat great food and listen to a great DJ and some really cool bands…they also do a great graphics show as well thanks to their resident VJ. Graney's is probably the best sports bar in the area, b/c it knows what it is. It provides a great atmosphere to watch sports, eat some wings, burgers and wraps, and drink some beer served by pretty girls. I love Juniors b/c it is the perfect neighboorhood bar, where everyone can come and enjoy a fun night.
This town desperately needs a upscale venue. We need a place where professional and mature people can go and eat, drink, and dance in a nice enviornment, with professional, polite staff, with great music provided by a good DJ ,while dressed up to a level of more then going to a pub or a baseball game
Capital Region have some class. Capital Region venue owners have pride. I am sick of hearing owners of venues that think they are nightlcubs, tell me how they party at the best nightclubs in the world and then open a place that doesn't have even 3 or 4 of the qualifications of a nightclub and after a short span lose those too due to apathy or lack of class.
The Capital Region has a general lack of vision, brains, and quality people behind our nightlife. Maybe someone will come along and prove me wrong…until then there is some hope in sight at least for this summer. Some of us DJ's have decided if venues won't do it…we will do it for them. So keep on the look out this summer for some really great events put on by this area's actual real DJ talent. (Myself included of course) And sorry local area owner of Serato and a Laptop who thinks you are a DJ, I am not talking about you…cuz you are not a real DJ…
But that is another story!


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MONTPELIER — Vergennes Union High School's Jared Birchmore has been nominated along with three other Vermont high school seniors by Vermont Department of Education officials to the U.S. Presidential Scholars Program.
Vermont Secretary of Education Armando Vilaseca announced the four selections at a Dec. 20 press conference and reception at the Vermont Statehouse. Each state is invited to nominate students for the program, and Vilaseca said Vermont was happy to announce its selections.
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MIDDLEBURY — The historic Middlebury Community House could soon be home to a "Middlebury Community Music Center," where aspiring musicians would be taught to become more proficient on the instrument(s) of their choice — including voice.
ADDISON COUNTY — Addison County's low-income households will have a tougher time keeping their homes warm this winter in light of new eligibility standards and tighter resources for federal fuel assistance, according to state and local human services advocates.
Richard Moffi, fuel program chief for the state of Vermont, said current signs point to the Green Mountain State receiving around $17 million through the Low-Income Home Energy Assistance Program (LIHEAP). That is approximately 5 percent less than the state received last winter.
BRISTOL — The Bristol selectboard on Dec. 18 approved funding for the Bristol Fire Department to purchase six new vehicle extrication coveralls.
Brett LaRose, the first assistant chief of the outfit, said that the fire department had previously purchased 30 suits, but some have been removed from service due to wear and tear.
LaRose said that he spoke with several vendors, and the best quote he received for the coveralls was $2,772. The selectboard approved an appropriation in that amount.
ADDISON — Members of the Addison planning commission and selectboard reached at least a tentative consensus last week that planners should turn their attention away from updating zoning regulations and toward updating the town plan before it expires late next summer.
Planning commission chairman Frank Galgano said and selectboard chairman Jeff Kauffman confirmed that the members of the two boards at a Dec. 16 planning meeting also agreed that the Addison Development Review Board should in the meantime rely on the town's 2007 zoning laws.
MIDDLEBURY — The Middlebury selectboard is tentatively scheduled to meet at 6 p.m. on Thursday, Jan. 2, to discuss a conflict of interest complaint brought against Selectman Victor Nuovo in connection with his recent votes on a proposal to build a new municipal building and recreation center.
Here are the main fuel assistance programs available for Vermonters:
Crisis Fuel Assistance
This is for folks in danger of running out of fuel for home heating, or who may have received a disconnect notice from the utility company. This program provides help to homeowners or renters who pay for their heat or who have heat included in their rent. The program can also help eligible people repair or replace their furnace. A family of four may earn up to $3,926 per month to qualify.
BRISTOL — A group raising funds for a new playground on the Bristol town green has reached its goal of $11,000.
The Bristol Green Playground Committee used the fundraising website Indiegogo to solicit funds. As of press time, the group had reached raised $12,390. The fundraising period ends Friday.
"This is fantastic," committee member Darla Senecal said. "To be able to come up with this in such a short time, it's bolstering."
As of Tuesday, 134 different people donated to the project.
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Chapel Hill News
Better living through art
"The revolution will not be televised," beat poet Gil Scott-Heron pronounced in 1970.
But if it were, the TV stations might have wanted to start filming at the ArtsCenter on June 29, where a group of artists and the artistically inclined began planning a future they would like to live in.
"The Great Southeastern Imagining" was one of 17 similar events taking place across the country this summer, organized by the U.S. Department of Arts and Culture.
And no, that's not a federal entity.
And yes, that's precisely the point.
Local "cultural agent" Lynden Harris put together Sunday's gathering, an afternoon aimed at envisioning the world in 2034, when the power of art and culture has helped people create a more just, sustainable world. In between performances, small groups gathered at "conversation stations" to talk about how creative collaboration could improve health, housing and neighborhoods, foodways and other systems.
Part celebration, part call to action, the Imagining was a fun exercise that organizers hope will build communities, collective power and eventually public policy.
But first folks had to get to know one another.
"My goal is that everybody comes here and meets somebody they would not have met otherwise – not just somebody new – and that they come away invigorated about the arts," Harris said.
The Cedar Grove resident's Hidden Voices project has already helped underrepresented groups including immigrants, the incarcerated and illiterate, tell their stories on different media platforms.
"I think as a culture we have tended to remove (art) from our lives and made it into something separate," Harris explained. But all people can be artists, and art can transform lives.
It has already transformed Anita Woodley, a journalist turned playwright and performer who channels her great grandmother and other characters in inspiring stories about survival.
Woodley and her son had just returned a few years ago from the funeral of her great grandmother, who had lived to 101, when her son told her how much he missed her. Then he turned to Woodley and said, "She's here. She's inside you."
Woodley's eyes widen as she tells the story.
"He said, 'Just open your mouth and she'll come out," she recalled. And then in a deep rasp, she said, 'Good morning, sweet boy. How you? Great-great Grandma loves you, and I miss you. Come here and give me some suga, baby.'"
Soon after that Woodley created "Mama Juggs," a theatrical show that spreads the message of breast health. She is now working on a play about HIV in which she'll portray male characters.
"Everybody has that inner artist in us, we all have it," she said. "Maybe you're a decorator. That's art too. I think that's what this is about: to remind us."
But out in the lobby, Nate "The Magician" FitzSimons struggled with calling himself an artist.
"This is just deception," he said after enthralling a trio of young girls with three disappearing and reappearing red, fuzzy balls.
"Magic by itself is nothing. Only the audience makes it art," he explained. "They invest their lives in it. ... My only job it to make them see the miracle."
But somewhere, as Harris and Woodley said, many people forget they too can perform miracles, that art is not restricted to the "creators" and the critics.
Tarish 'Jeghetto' Pipkins, a puppeteer who teaches art to children and young people with disabilities, saw Sunday's event as "artists taking control of our future."
But it's artists with a small "a," he agreed, because everybody can be an artist if they just open themselves to the possibility.
"You have to create it. You have to imagine it," he said, as he high-stepped his latest wooden creation – a Star Wars inspired, laser-toting robot he called Babyhead the destroyer – on the floor.
And you have to keep going..
"Ooh, I used to paint" or "I used to do puppets," people will sometimes tell Pipkins when he performs.
"It saddens me," he said.


text: The revolutionary "PowerGen" packs the modern technology of an alternator into the housing of an OEM generator. Each PowerGen puts out 90-amps of power and features a straightforward one-wire hook-up as well as a heavy-duty voltage regulator. Depending on your needs, the PowerGen is available in a standard version, or with an additional terminal which allows your "GEN" warning light to operate correctly. Sold per each, the PowerGen is available in black, chrome, or polished finish and features the necessary mounting bosses for a straightforward installation when using original brackets.


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concerned with community health. It provides information about community
health services, laws, and related news, as well as communication tools
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assistance with community health issues, the Network of Care helps you
find what you need. It helps ensure that there is "No Wrong Door" for
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Bassick turns back New Canaan
BRIDGEPORT -- The New Canaan boys basketball team had to wait eight games before 6-foot-5 junior center Zach Allen was ready to come back from an injury he suffered while helping the Rams capture a state title.
"He has something wrong with his shoulder and he had to let it heal. He has a couple of scholarships on the line," New Canaan head coach Mike Evans said. "He made the right decision to let it heal before coming back."
Ironically enough, the Rams might have waited just a bit too long to get Allen's big body on the floor, allowing Bassick to hold on for a 62-50 victory Tuesday night in a game that was much closer than the final score might indicate.
Allen didn't get off the bench until the final minute of the first half, but when he did, the entire complexion of the game changed.
Bassick (5-2 overall, 4-2 FCIAC) dominated the first 15 minutes behind the junior guard tandem of Kobe Ancrum and Curhone Baldwin and the physical inside play of Carl Brown (10 rebounds) and sophomore Keon Evans, helping the Lions take an early 19-7 lead before extending the advantage to 39-21 late in the second quarter.
Allen quickly got the Rams back in the game with seven straight points spanning the second and third quarters, pumping in nine of New Canaan's 11 points in the third. Allen then scored New Canaan's first seven points of the fourth, including a nice right-handed hook shot with 4:20 left to whittle Bassick's lead down to 48-41.
Allen finished with a game-high 20 points to go along with eight rebounds and two blocks.
But the Rams didn't have enough time or energy to make up the deficit as Bassick kicked its engine into third gear, used an 8-1 run to take a 56-42 lead and never looked back.
"He's a big presence in there," Evans said of Allen. "He brings a lot of intensity and passion and fire to the floor. But we had a plan and we were sticking to it."
New Canaan (2-6 overall, 2-4 FCIAC) was determined to stop Ancrum and Baldwin, who make up one of the top backcourts in the FCIAC, using a smaller lineup to counter Bassick's speed and defensive pressure.
But the pair still ended up hurting the Rams. Baldwin finished with a team-high 16 points, including two 3-pointers and a 6-for-12 effort at the foul line. Baldwin also pulled down eight rebounds while Ancrum collected 10 points, three steals and three rebounds. Sophomore guard Rajohn James added 15 points and four rebounds.
"The plan was to get out on their shooters and we didn't do it very well," Evans said. "We could have done it a lot better."
New Canaan's game plan played right into Bassick's strength and away from its weakness -- its muscle in the paint.
"We've had problems with the big guys," Bassick head coach Bernie Lofton said. "Our big guy (Evans) is only a sophomore, but he's getting better. We're not young, but we are inexperienced. It's a culture shock for most of these guys."
Bassick tried to fight size with size after Allen took over the game, giving sophomore Andrew Stephenson and junior Keante Smith a shot at plugging the dike. When that failed, the Lions went back to their own small lineup to put the game out of reach late in the fourth.
"We went to our fast lineup, which is five guards, and that's tough to match up with," Lofton said. "We get up and down the court faster, we rotate well on the press, and it seems like the ball moves faster and we share it better with that lineup."
New Canaan was looking to get the ball into the hands of Claude Chardonnet, and that worked early on with the junior scoring eight points over the first 10 minutes, including one 3-pointer. But Bassick clamped down on Chardonnet after that, holding him to just two points the rest of the night.
"We wanted to make him work hard for his shots because the scouting report I got from Harding was that he's a knock-down shooter," Lofton said. "That was our game plan, to take him out of the game and make him work hard."
After the way Allen played in his season debut, New Canaan is bound to rethink its offensive philosophy.
"Our formula will change," Evans said.
Bassick reached the bonus early in the first half and ended up getting 36 attempts at the foul line, making 21 of them. That certainly didn't help New Canaan's game plan.
"That changes everything," said Evans, whose team went 9-for-15 from the line. "It stops the game. It lets them score without time expiring. It killed us."
Sophomore Kyle Smith finished with eight points to go along with nine rebounds for New Canaan.
bassick 62, new canaan 50
Kyle Smith 3 2-2 8 Claude Chardonnet 4 1-1 10 Paul Hagopian 2 2-4 6 Erik Jager 0 0-0 0 Beau Santero 1 0-0 2 Andrew Penchuk 0 1-3 1 Carsten Berger 0 1-2 1 Zach Allen 9 2-3 20 Tyler Sweeney 1 0-0 2. Totals: 20 9-15 50.
Kobe Ancrum 4 2-4 10 Curhone Baldwin 4 6-12 16 Keon Evans 2 0-0 4 Carl Brown 0 3-6 3 Rajohn James 4 6-8 15 Ted Colas 2 1-1 5 Malik Massey 1 2-2 4 Brandon Hilario 0 1-2 1 Mykell Stinson 0 0-0 0 Keante Smith 1 0-1 2 Andrew Stephenson 1 0-0 2 Davonte Whitehurst 0 0-0 0. Totals: 19 21-36 62.
3-pointers: NC--Chardonnet; B--Baldwin 2, James. Fouled out: NC--Chardonnet.


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MILLEDGEVILLE, Ga. – The Georgia College women's soccer program and head coach Hope Clark are set to host their annual "Think Pink" Game Wednesday, Oct. 19 at 7 p.m. against Armstrong at Bobcat Field.
Along with taking donations and selling pink T-shirts, the Bobcats will also hold a silent auction for the special pink game day jerseys the players wear for the contest. All proceeds will go to the Susan G. Komen Breast Cancer Foundation in the name of Athletic Department Administrative Assistant Patti Weimer, who is battling stage one breast cancer.
The Bobcats will hope to surpass the over $650 raised during last year's "Think Pink" event. The auction web site is available at www.gcbobcats.com/thinkpink . Bidding will begin at 6:30 p.m. Wednesday, and will finish 30 minutes after the end of the game.
Those interested can either place bids at the concession stand during the game Wednesday, or by sending a text to (478) 202-4239 with your bid amount and last name.
The Georgia College Department of Athletics, two-time winners of the PBC Commissioner's Cup, sponsors 10 varsity athletic programs at the NCAA Division II level. As a Division II program, Bobcat Athletics prides itself on balancing the life of the student-athlete, evidenced by the teams' multiple appearances in post-season competition as well as documented academic success and community-service involvement. Sign up at www.twitter.com/BobcatSports and www.facebook.com/gcbobcats for up-to-the-minute reports, and visit www.GCBobcats.com for more information, and to nominate your favorite former Bobcats and Colonials to the GC Athletics Hall of Fame.


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Don Cheadle
Actor Don Cheadle discusses his role on Showtimeís hit series ìHouse of Liesî on THE TALK, Thursday, January 10, 2013 on the CBS Television Network. Sheryl Underwood, from left, Sara Gilbert, Sharon Osbourne, Don Cheadle, Aisha Tyler and Julie Chen, shown. Photo: Lisette M. Azar/CBS ©2013 CBS Broadcasting, Inc. All Rights Reserved.


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The new generation Garmin xHD radars add more features and greater detail to their line of marine radars. The narrow beam width of 1.8 degrees will focus the 4 kw of transmit power for more refined reception definition of obstacles, other craft, land, weather, and birds.
The GMR404 xHD 4 foot open array marine radar would be a great addition to any cruising or fishing boat. The enhanced performance of this new generation 72 mile radar is achieved by many improvements by Garmin. With 8 times more signal processing and 6 times more video processing than the last generation, you can easily differentiate objects, weather, and birds from sea clutter because of the resulting improved resolution, target separation, and clutter removal. When connected with a compatible Garmin multifunction display, you can run the radar in dual range mode with a split screen display for far and close radar views. Also, with the addition of an optional heading sensor, the GMR404 will support up to 10 MARPA (Mini Automatic Radar Plotting Aid) targets for tracking on screen.
The extra range and power of the GRM404 xHD 4' open array radar, along with the enhanced processing and computing power of the unit, compliments Garmin's intuitive and powerful chart plotters for an full featured electronics suite. Stay clear of storm cells, avoid other vessels and hazards, spot birds while fishing, and overlay onto your chart screen for a better idea of your surroundings with the addition of the next generation of Garmin's proven radars.
Product Accessories for Garmin GMR 404 xHD 4KW Digital Radar with 4' Open Array


text: There's no little blue pill for women.That means that when women find their libidos flagging, there isn't a quick fix of the sort men can turn to. It doesn't mean, however, that there aren't treatments that can fix certain problems. Women most often complain about libido issues after childbirth and around menopause, but problems may not be related to a drop in hormone levels, says Dr. Lisa Lepine of Boulder Gynecology. Lepine says many women feel overwhelmed immediately after the birth of a child as they're dealing with healing from a vaginal birth or caesarian section, not to mention lack of sleep. "You don't feel very sensual," she says. "It's very normal and probably good. You need that bonding time with the baby." With menopause, an abrupt drop in estrogen can cause symptoms such as vaginal dryness that make sex uncomfortable. "If sex is painful, your libido is going to go down," she says. However, she adds, there's no evidence that the menopausal drop in estrogen leads to lack of sexual desire in and of itself. Prior to 2002, when a large study linked the use of replacement hormones to a risk of breast cancer, many women used them to alleviate menopause symptoms. After the study, many woman decided not take hormones as a treatment for menopause. For those who don't want to risk replacement hormones, topical estrogen in the form of an estrogen ring inserted into the vagina, vaginal suppositories or creams can relieve many vaginal symptoms. "A minimal amount (of estrogen) is absorbed (into the body)," Lepine says. For women who have already been through menopause, it can take four to six weeks to get estrogen levels back up in vaginal tissues. However, she adds, the estrogen can make a big difference in sexual comfort. Sometimes topical estrogen can also be appropriate for nursing mothers who can experience a severe enough drop in estrogen to have vaginal symptoms, as well, Lepine says. She adds that a drop in libido is sometimes simply a reaction to the "craziness of life." "Libido ebbs and flows throughout a woman's life," she says. "It's not across the board." (c)2012 the Daily Camera (Boulder, Colo.) Visit the Daily Camera (Boulder, Colo.) at www.dailycamera.com


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The Federal Government's Role in Empowering Americans to Make Informed Financial Decisions
U.S. Senate Committee on Homeland Security and Governmental Affairs
Subcommittee on
Oversight of Government Management, the Federal Workforce,
and the District of Columbia
"The Federal Government's Role in Empowering Americans
to Make Informed Financial Decisions"
April 29, 2009
Introduction to NASAA:
The North American Securities Administrators Association (NASAA) is the oldest international organization devoted to investor protection. It was organized in 1919 and is a voluntary association with a membership consisting of 67 state, provincial and territorial securities regulators in the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Canada, and Mexico.
These state administrators are responsible for the licensing of firms and investment professionals, registration of certain securities offerings, examination of broker-dealers and investment advisers, enforcement of state securities laws, and investor education.
NASAA Investor Education Section:
The NASAA Investor Education Section was created in 1997 by the NASAA Board of Directors to help support the financial education efforts of our members. The Investor Education Section, along with a network of professionals from across the NASAA membership, is responsible for developing, coordinating, delivering, and supporting financial education initiatives that can be utilized by state securities regulators in their ongoing endeavor to improve the level of financial literacy in their jurisdictions. Currently, the Section has five focus areas: Youth, Pre-Retiree, Affinity and Military Outreach, and Research, and Coordination.
At the Grassroots Level:
Most state and provincial securities regulators have established investor education departments or divisions within their agencies. The result is a unique network of dedicated professionals delivering financial education at the grassroots level throughout North America. In the past two and half years (since November 2006) NASAA members have taken investor education tools directly to the public through more than 2,369 presentations reaching more than 324,391investors. Our financial education professionals can be found at work in such venues as the classroom, the workplace, senior centers, and at trade and professional organization events. We partner with teachers, employers, and peer-based volunteer groups to deliver financial education to our constituents of all ages.
As part of the effort to educate our nation's youth in April 2009, state securities division staffs will join in celebrating "Financial Literacy Month" by visiting schools throughout their states to teach students about personal finance, the capital markets, investment choices and fraud. In addition, many states will issue proclamations in support of financial literacy month and host events to reach investors where they shop, work, and live. This year, NASAA is expanding on a pilot affinity outreach program in Hawaii, which educates and empowers union members on how to prevent investment fraud, and plans to launch the "United Against Investment Fraud (UAIF)" program across North America this spring.
During Financial Literacy Month 2008, NASAA launched an outreach program to law enforcement officials providing them with a basic knowledge of the securities laws in their state so they can assist the fraud victims they encounter. Securities regulators distributed Securities 101 handbooks and offered presentations to educate law enforcement personnel on the methods to handle the investment fraud complaints they receive.
Financial Literacy Education Commission:
NASAA supported the creation of the Financial Literacy and Education Commission (FLEC), and was grateful for the opportunity to make a presentation to the FLEC on May 20, 2004, and to participate in one of the FLEC's national strategy meetings on March 4, 2005. In addition, in our ongoing effort to remain engaged in FLEC policy making, NASAA sent a comment letter concerning the formulation of its national strategy. NASAA continues to actively participate with FLEC at roundtables, summits and conferences that have brought individuals and organizations together to discuss ideas and outreach.
NASAA applauds the efforts of the FLEC and agrees with the GAO's report (Financial Literacy and Education Commission: Further Progress Needed to Ensure an Effective National Strategy, December 2006) that the "inherent difficulty of coordinating the efforts of 20 federal agencies, small number of staff devoted to operating the Commission and the limited funding" do provide constraints to their effectiveness.
While the Commission, in the GAO's words, has taken "some positive first steps," there has been slow but deliberate progress in integrating the commission's national strategy for financial literacy. One challenge to be addressed is how to organize the existing financial literacy programs of the Commission's members and how best to reach a consensus on a harmonized message. Another challenge the commission faces is disseminating the programs/information to the public from a centralized location in Washington, DC. In this regard NASAA members stand ready to partner with the Commission to mobilize their respective grassroots networks to reach more people in need of financial education.
Coordination of Efforts and Partnerships
NASAA was honored to be invited as a panelist in the April 17, 2007 inaugural meeting of the National Financial Education Network (NFEN). The Commission stated the network is intended to create an open dialogue and advance financial education at the state and local level. NASAA continues to encourage the FLEC to move forward in establishing effective ways of connecting all parties both electronically and through face to face meetings throughout the year. This on-going dialogue and communication could be facilitated electronically through a list serve, web site and quarterly conference calls and in person meetings.
Currently the structure of the NFEN is less formalized than the FLEC (mandated by the FACT Act) or President's Advisory Council (Presidential Executive Order). This presents a constraint which doesn't afford the network the same structure to officially notify the public of its meetings, facilitate in person meetings and conference calls, and incorporate calls to action. We recommend the NFEN receive resources similar to their counterparts on the FLEC and President's Advisory Council on Financial Literacy (PACFL).
It is essential that the NFEN be fully integrated into the framework of how the Commission operates thus utilizing and mobilizing the vast resources of both state and private and nonprofit organizations and their extensive networks. Full integration of the network would ensure that events held across the nation include all members of the financial literacy community that wish to participate. Creation of a liaison from the NFEN to report and coordinate activities with the FLEC and PACFL could help facilitate this integration.
To expand their outreach to state and local members we encourage the NFEN to reach out and coordinate with NASAA. NASAA members provide unbiased, relevant, and timely information for anyone interested in the investment markets, which is critical in light of the notoriety of recent investment frauds. Our members also disseminate this information to the public at no cost given our vast grassroots network of IE coordinators across North America. One example of how the network could facilitate this outreach is to coordinate joint events with both Treasury and state officials as participants. That way, we could leverage resources, and members of the audience have a local point of contact for future questions and requests for information.
NASAA agrees with the GAO's assessment in 2006 that "greater collaboration by the Commission with state and local governments may be particularly important given the critical role that school districts can play in improving financial literacy." Further consideration should also be given to the GAO's recommendation that "the Commission consider how the federal government can influence or incentivize states or school districts to include financial education in school curriculum."
The President's Advisory Council on Financial Literacy (PACFL) also offers an opportunity to coordinate the efforts of NASAA's grassroots network with the initiatives undertaken at the national level. In May 2008, NASAA submitted a comment letter to the PACFL encouraging them to consider the resources and experience state securities regulators and their staffs have at the local level when pursing new programs and partnerships.
Complete coordination with federal, state and local government and private organizations should not be considered just a step in the national strategy, but viewed as a crucial and integral part of the Commission's mandate. The existing grassroots network available to the Commission provides the entire picture of financial literacy efforts that we believe Congress intended when creating the FLEC. The many participants in the financial education community and the considerable amount of resources that they provide are remarkable. The Commission has a unique opportunity to unite these groups, foster dialogue, and promote cooperation. Nothing short of complete cooperation with these groups will fully constitute a fully integrated National Financial Literacy Strategy.
Specific Examples of Successful State and Provincial Programs:
To better frame the nature of our work in the area of financial education and why integration of the National Financial Education Network would prove mutually beneficial to the Financial Literacy Education Commission members, we share highlights of several of our financial education initiatives focusing on youth, pre-retirees, seniors, and the military.
Youth Outreach
Teaching youth the principles of sound investing and fraud prevention is the thrust of a NASAA produced program targeted to high school students titled, "FSI: Fraud Scene Investigator." FSI is an interactive online investor education program that teaches and empowers students how to detect and stop investment fraud. The FSI program is designed to help students learn how to fight fraud firsthand, by delving into newspaper stock tables, researching companies through online news, and deciphering the truth of an investment from fraudulent sales pitches. In the initial FSI program titled, "Suitable Investments," students help uncover a million-dollar fraud in progress and put the mysterious con man, "Mr. X," behind bars. NASAA's grassroots member investor education network is working with educators to integrate the FSI program into schools across the nation. Teachers from Arizona to West Virginia report students are getting hooked on the program, teachers like the curriculum, and students want to know what's next in the interactive game. This spring NASAA and their partners at the Newspapers Association of American Foundation (NAAF) and the Investor Protection Trust (IPT) will launch a new element to the FSI series in newspapers across the country.
Pre-Retiree Outreach
In November of 2008 the NASAA Pre-Retiree Project Group launched an outreach program, "Sandwich Generation: Caught in the Middle" to provide members of the Sandwich Generation–adults who are raising children while taking care of aging parents–with the information and tools they need to be financially prepared and protect their assets from fraud. An estimated 16 million members of the Sandwich Generation face the financial challenge of balancing their own economic needs with those of their families. NASAA's program urges adults to conduct a "Financial Check-up" for themselves, their children and their parents. NASAA members are conducting presentations across the country in an effort to help the Sandwich Generation understand and meet the financial challenges they face. For more information about the program, visit the Sandwich Generation Resource Center at www.nasaa.org/investor education/.
Senior Outreach
In the area of Senior Outreach, our California member has developed a highly successful anti-fraud education program that utilizes peer-based volunteerism. The Seniors Against Investment Fraud program (SAIF) provides seniors with a toll-free call center to utilize before purchasing or investing in any type of "financial" product. The SAIF program takes a leadership role in alerting and educating Californians over the age of 50 about investment and telemarketing fraud and how to avoid being victimized. The state of Florida developed a similar grassroots program, which uses a "train the trainer approach" to utilize regional directors and train Senior Sleuths to spot crime in their own communities and present fraud prevention seminars. Our member in Pennsylvania has also found success by creating a Senior Investment Fraud Bingo game, which serves as an interactive way to engage and teach seniors practical tips on fraud prevention.
Military Outreach
In times of heightened deployment, United States service members have become targets of financial scams. These scams can directly affect unit morale and readiness as well as military service members' credit history and military career. In response to fraud among military service members in New Jersey, our member created a fraud prevention guide tailored to the military called "A Salute to Smart Investing." The 28 page guide acts as a one stop resource for military members with information on safe investing, balancing risk and return, retirement planning, red flags for fraud, scams that target the military, and a listing of state securities regulators nationwide. Already the guide has been distributed to more than 90,000 military members across four branches of the military at installations around the world. Our Pennsylvania member continues to combat investment fraud head on with their Operation ASAP program (Armed Services Assets Protection Program). The program run by the Pennsylvania Securities Commission is an online resource to give military personnel and their family members the tools they need to invest wisely and avoid scams. Other NASAA members have created similar programs such as California's "Troops Against Predatory Scams," or TAPS.
Partnering Relationships/Collaborations:
NASAA looks for opportunities to join forces with other members of the financial education community. NASAA believes it is essential to pool our resources and share our expertise on these joint ventures.
Recently, NASAA partnered with AARP to combat the rising investment fraud among seniors with the "Free Lunch Monitor" program which seeks to empower seniors to fight fraud. This national campaign is designed to monitor whether investors are being pressured into purchasing inappropriate or unsuitable investments. The FLM program gives individuals an opportunity to fight back against unscrupulous promoters by reporting to state securities authorities' possibilities of questionable investment practices in their communities. NASAA joined the Consumer Federation of America for the second year as a partner in their annual "America Saves Week," campaign bringing a fraud prevention and investor protection focus to the national saving initiative.
NASAA members utilize other avenues of educational outreach at events such as the Senior Olympics, the National Council on Aging Conference and in presentations to the Military at the AFCPE conference and annual meeting of the Office of Personal Management (OPM) Federal Benefit Officers. On a regular basis, our members work with the American Savings Education Council (ASEC), the Councils for Economic Education, and are involved in state level Jump$tart coalitions.
State securities regulators meet annually with the financial education professionals from the Securities and Exchange Commission to engage in a dialogue about our respective programs and progress in the ongoing quest to improve financial literacy. This meeting gives us an opportunity to learn what's new or under development, helps us identify gaps in financial education, leverage resources of our financial education colleagues, and further hone best practices. One example of this cooperation is the NASAA and the SEC partnership to protect senior investors. For the past three years NASAA and the SEC have co-sponsored a national Seniors Summit which has raised awareness and offered recommendations to combat the rising cases of investment fraud among seniors.
The NASAA network of financial education professionals can be an excellent delivery vehicle for state/federal collaborative education programs.
NASAA offers a wide range of investor education resources on its website. Visitors to the site will find a wealth of information to help them build both financial knowledge and financial security. Among other educational experiences on the NASAA Web site, visitors can utilize the Senior Investor Resource Centerand the NASAA Fraud Center, and locate state specific resources available through individual NASAA members.
NASAA's investor education podcast series, "The Alert Investor," is as a valuable resource for the public to learn about investing wisely, avoiding fraud and how to exercise their rights as investors. The series, available on iTunes, has grown in popularity and currently features 12 episodes and has been downloaded nearly 10,000 times by listeners. These resources, along with brochures, investor alerts and other financial education materials are available in the Investor Education Section of the NASAA website, www.nasaa.org. In addition, NASAA developed and funds the Investing Online Resource Center, www.investingonline.org.
State securities regulators have traditionally been and remain an extremely effective resource in the pursuit of greater financial literacy. They represent a nationwide network of highly trained, unbiased, non-commercial experts in financial services, products and fraud avoidance. They are on the front lines of financial education initiatives in every state, translating Wall Street to Main Street for small investors throughout the country. NASAA and its members welcome the opportunity to work more closely with both the
Financial Literacy Education Commission (FLEC) and Subcommittee members in their ongoing efforts to improve the level of financial literacy throughout the country.
April 29, 2009


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We've seen images of Daniel Day-Lewis as he began his transformation into Abraham Lincoln for the new Steven Spielberg film, "Lincoln." Now that the movie's full-length trailer is out, it appears we can rename this flick "Oscar Bait," because there is no way that Day-Lewis' incredible portrayal of the 16th President of the United States is going to be overlooked by the Academy.
Even if history buffs ultimately decide to take issue with the Hollywood treatment of Lincoln -- the film also features Tommy Lee Jones as Thaddeus Stevens, David Strathairn as William Seward, Jackie Earle Haley as Alexander Stephens, Sally Field as Mary Todd Lincoln and Joseph-Gordon Levitt as their son, Robert -- the visual direction of the period drama appears stunning, even in this short trailer.
And in terms of acting, it also appears that Day-Lewis' performance is much more subtle. His last Oscar-winning performance in "There Will be Blood" was nothing if not impassioned; it will be interesting to see Day-Lewis take on a role that requires a more deft touch.
"Lincoln" will land in theaters Nov. 9.
More Entertainment news:


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Pearl Jam, Arcade Fire and Arctic Monkeys Pay Live Tribute to Lou Reed
It's often been said that Lou Reed's influence was exceedingly disproportionate to his sales figures. That statement is proven by three of today's biggest bands, which have performed his songs in the days following his death on Oct. 27.
In the above clip, Pearl Jam, no stranger to cover songs, played 'I'm Waiting for the Man' at Baltimore's First Mariner Center. The song originally appeared on the Velvet Underground's debut album, 'The Velvet Underground & Nico.'
England's Arctic Monkeys covered Reed's biggest hit, 'Walk on the Wild Side,' at the Echo Arena in Liverpool. The video can be found below.
Arcade Fire, whose new album, 'Reflektor,' was released today, performed two songs, 'Perfect Day' and 'Satellite of Love' during a streaming NPR 'First Listen' session at Capitol Studios in Hollywood. Their take can be found at the 17:20 mark in the link.


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A STUDIO DIARY - Tavira, Portugal
Im sitting on our couch here in the good old Dick Tank, listening to world renowned violinist Pekka Kuusisto record the glockenspiel for a track called Hidden Rainbow. Hard to keep a straight face. Theres a crazy winter storm outside, but luckily its always warm and cozy in the Tank.
The three of us (Johannes, Kari and myself) have just returned from a two week recording trip to Southern Portugal, to a little fishing town called Tavira in Algarve. The trip proved to be both efficient and thoroughly enjoyable, and the album has taken a massive leap forward this past month. We left Finland with about 200 kilos of hardware for recording along with a set of about 25 potential album tracks. In Portugal, we had time to work on roughly ten, and a good number of these are already beginning to sound close to complete. A lot of work remains to be done, but time waits for no one, and the album will Mos Definitely be released in spring 2006. You have my word.
Its still almost impossible to tell which of the 25 songs currently being worked will make the final cut. At least we have a big heap of material to choose from, and that heap is just about as colorful and diverse as its ever been. In any case, a ruthless process of elimination awaits us, and thats something we havent gone through before. But just cruising around on the Portuguese roads, with a brand new 18 track demo cd booming in the car stereo, we were all finding it hard to contain our enthusiasm.
Seeing that spring is still some ways off, we thought wed share a couple of entries from our Tavira journal, just to make the wait a bit more bearable. So here goes.
Day 1 | 2 | 3 | 5 | 6 | 7 | 9 | 13
Pictures 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15


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The Steward and the King
|The Return of the King chapters
|Book V
|Book VI
The Steward and the King is the fifth chapter of the sixth book in The Return of the King.
The narrative jumps back to the time before the quest is finished, now focusing on the perspective of those in Minas Tirith. While Aragorn and the forces of Gondor are away, the city remains shrouded in fear. Faramir meets Lady Éowyn in the Houses of Healing. Éowyn longs for Aragorn and the chance to fight with the Riders against Mordor. Her sadness, mixed with pride and beauty, leads Faramir to fall in love with her. For days, they stare to the east, waiting for word of Gondor's success, until they eventually see the Darkness break. As sunlight breaks through the sky, the citizens of Minas Tirith break out in song. Messengers soon arrive telling of Aragorn's victory. The conflict resolved, Éowyn's longing for war fades, and she and Faramir agree to wed.
When Aragorn returns, Faramir rides out of the gate of Minas Tirith and offers him the keys of the city and an ancient crown. To everyone's amazement, Aragorn calls for the Ring-bearer and Gandalf. Frodo hands the crown to Gandalf, who places it upon Aragorn's brow.
The city of Minas Tirith begins to revive. Its walls are restored, and the city is filled with trees, fountains, and laughter. Ambassadors from many lands arrive in Gondor, and Aragorn shows mercy by rewarding both the faithful and the enemies of the West. Gandalf explains that the Third Age of Middle-earth has passed: the war against Sauron is over, and Aragorn's reign in the age of Men has begun. The group climbs up an ancient, snowy path, at the end of which, amidst a pile of debris, Aragorn finds a sapling of the great White Tree—the symbol of ancient Elendil, Gondor's kingdom. Aragorn takes the sapling back to the Citadel. The old, dead tree is removed and laid to rest, and the new one planted in its place.
The day before Midsummer, a group of Elves approaches Minas Tirith. Celeborn and Galadriel, Elrohir and Elladan, and all the Elf princes arrive in the city. Behind them, mightiest of all, is Elrond with his daughter, Arwen. On the day of Midsummer, Aragorn (now called King Elessar) and Arwen are wed. Queen Arwen, seeking to repay Frodo for his immeasurable service and suffering, offers him a gift. When the time comes, he may sail in her stead across the Great Sea to the unknown West, where the Elves dwell in eternal youth and joy.


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B Corporation Pitch Competition and Workshop
Jeff Weston
Friday, February 15, 2013 from 1:00 PM to 5:30 PM (PST)
Event Details
B Corporation Pitch Competition
With a FREE Workshop
Are you an early-stage social enterprise or sustainable business looking for seed funding and knowledge about how to raise capital? Register today for the opportunity to attend the B Corporation Pitch Competition in front of our live panel of impact investor judges!
You'll also gain FREE attendance to a two-hour workshop on how to Structure, Fund, and Market B Corporations taught by the experts at B Revolution Consulting.
B Revolution Capital, the world's first accredited investor network providing early-stage capital to B Corporations, and Pepperdine University Waves of Service are co-hosting the competition and will select the top 15 applicants to pitch on February 15th, 2013!
Date: February 15th, 2013
Time: 1:00pm - 5:30pm
Location: Pepperdine University, Malibu CA
Register to Attend:
The competition event on February 15th, 2013 is free to attend, but you must register using this eventbrite. Finalists selected to pitch at the event will register separately for $50 per company.
1:00pm-3:00pm: B Corp Workshop- Structure, Fund & Market Your B Corp
3:00pm-4:00pm: 15 finalists pitch live in front of a panel of judges
4:00pm-5:00pm: Networking Event with snacks and refreshments
5:00pm-5:30pm: Pitch Competition winners announced
Workshop Details:
Legal Structure for Social Enterprise
- For-profit or non-profit? Hybrid or joint venture?
- Benefit corporation? L3C? Flexible Purpose Corporation?
- Corporate governance for mission-driven enterprises
- How to manage your board of directory
Early-Stage Finance for Social Enterprise
- Early-stage capital and the impact investing trend
- Business planning and financial modeling
- How to locate and pitch to an impact investor
- Term negotiation
Marketing and Strategy for Social Enterprise
- B Corporation certification process and optimization
- Branding for B Corporations
- Developing a marketing strategy for sustainable business
- Optimizing your value chain for customer, employee, and community relationship management
Benefits of the Workshop:
How to Structure Your Social Enterprise
- Intensive 30 min workshop to help you understand the legal implications of business model selection, and the available legal structures for social enterprise business models
- Go home with a thorough understanding of the legal issues facing your social enterprise
How to Finance Your Social Enterprise
- Intensive 30 min workshop to let you gain expert input on the market research, financial modeling, and capital needs of your social venture
- Understand the early-stage impact capital landscape and what it takes to raise capital for your social enterprise
B Corporation Competitive Strategy
- In this 30 min workshop, Professor Bikel will walk participants through B Revolution's proprietary value chain optimization process, helping you identify new market opportunities and internal efficiencies
- Understand the B Corporation certification process and how you can use it to brand and find new market opportunities for your social enterprise
Prizes for the February 15th Pitch Competition:
- $1,000 cash + B Corp Certification Assistance from B Revolution+ Automatically entered to pitch as a Finalist in the CROWDIMPACT Competition hosted by Crowdfunder in April (see details below)*
- B Corp Certification Assistance & Pitch Assistance from B Revolution
- B Corp Assistance from B Revolution
Besides the chance at a great prizes and exposure to some of the most active impact angels and investment funds in the country, you're getting to join CROWDIMPACT weeks before the larger crowd, and establishing your edge early on.
You can pre-register to CROWDIMPACT today. To get started just follow these three easy steps:
(1)Join the Social Enterprise Community on Crowdfunder
(2)Create your personal profile -- After joining the Social Enterprise Community you'll be directed to sign up and create your profile.
(3)Create your company profile --Once you have your personal profile, you'll be able to create your company profile
Note:You are not required to run a crowdfunding campaign in order to be eligible, although Crowdfunder will deliver a 30-minute workshop on the benefits of running a campaign and how to do so at the Feb 15 event.
When & Where
Wilburn Auditorium at the Drescher Graduate Campus, Pepperdine University
24255 Pacific Coast Hwy
Friday, February 15, 2013 from 1:00 PM to 5:30 PM (PST)
Add to my calendar
Jeff Weston
B Revolution Capital sources and screens the top early-stage B Corporation ventures and builds the B Revolution by working with investors to support and mentor startup B Corps through angel investments. B Revolution Capital is a Los Angeles, CA-based national accredited investor network providing early-stage capital to B Corporations. B Revolution Capital investors are accredited angel investors seeking opportunities to invest in early-stage or startup companies that create positive social and environmental impacts. B Revolution Capital target ventures are benefit corporations and/or businesses that have achieved or are actively seeking B Corporation certification. (What's the difference?)
For more info, visit www.brevolutioncapital.com


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Who blew up at this weekend's Gromsearch event in Hawaii? You tell us and you may find yourself on the podium with new Rip Curl gear.
Since not all ripping happens in the final, SURFING created the Gromsearch Video Elections to highlight the best rides from throughout each of Rip Curl's four regional qualifying events in 2010. Watch the clips below from this past weekend's Hawaiian event at Kewalo Basin and cast your vote, post your opinion, or — if you're one of the nominees — launch yourself a campaign. Yes you can! Regional event winners get a profile piece on SURFINGMAGAZINE.COM, and the season champion gets a full-page "Threat" feature in SURFING Magazine.
And for all spectators interested in free Rip Curl gear:
- Vote
- Explain your answer in our comments section
We'll identify the most original, interesting, vocal campaign supporter and send him or her a box of free Rip Curl product. So simple. So quick. So much surf stuff to give away.
[poll id="4″]


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This is the nearest street address. [ 254 Forrest AVE Winnipeg MB, 49.941532, -97.117524 ].
0.072 km near the corner of Forrest AVE and Aikins ST
0.072 km near the main intersection of Forrest AVE and Aikins ST
49.94171, -97.11742
View Street Addresses in the R2V1K1 postal code Note: These street addresses have been submited to geocoder.ca in association with the R2V1K1 postal code in Winnipeg, MB via a crowdsourcing process. They are provided "as is", none has been verified by geocoder.ca nor does geocoder.ca claim to have a complete list of all existing addresses in the R2V1K1 postal code area.


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For artists such as Gerald Beaulieu, "it's always feast or famine."
Mandatory minimum fees would make 'big difference' for artists, says sculptor Gerald Beaulieu
Gerald Beaulieu describes himself as a "fairly successful mid-career artist." The P.E.I. sculptor has had more than 70 solo and group exhibitions across Canada, the U.S. and Europe in the past 25 years.
Even so, like most artists in Canada, he has a day job, working seasonally as a home renovator. Some years, he can make a living from his art. But other years, he earns something closer to the $8,000 median income for artists in this country.
"It's always feast or famine," Beaulieu said Monday. "You kind of ride the waves. I'm having a good year this year, but I don't expect the same next year."
That's why Beaulieu will be watching Wednesday when lawyers for two organizations representing artists take on the National Gallery of Canada at the Supreme Court of Canada. The court must decide whether the associations are entitled to negotiate minimum fees the gallery must pay artists if it displays or reproduces their work.
If the court sides with the artists, it will make a "big difference" for all Canadian artists, says Beaulieu, a member of the bargaining committee for CARFAC, one of the artist organizations.
"It would be the first time we'd have a binding collective agreement with any institution," he said. "Everything else we operate on so far is voluntary."
While artists can negotiate fees with the gallery now, "often those negotiations require certain trade-offs," Beaulieu said. "They may pay you an exhibition fee but want you to waive reproduction fees for a catalogue."
Given the toil artists invest in their work, those fees are far from generous. Beaulieu's daughter was in a recent production of Little Shop of Horrors at her high school in P.E.I. "The royalty payment to that playwright was $6,000," he said. "The National Gallery would pay an artist for an exhibition there about half of that."
Then there's the power imbalance. "You're an individual dealing with a large, large institution," one willing to argue that the prestige and exposure of a gallery exhibition is worth more than a large fee, Beaulieu said. "This would take all that leverage away from them."
The public should care about the case, he said, because everyone involved is on the public dime. "The amount of public money being spent on this legal case probably would have met our bargaining demands for the next 20 years."
Artists are upset, Beaulieu said. "They thought that an institution like the National Gallery would want to support artists."
The gallery "tried to bully us, and we pushed back," Beaulieu said. "We're not professional negotiators. We're not lawyers. We're just artists. I'm sure they're quite surprised that they're going to be where they are on Wednesday."


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Pitons, cirques and remparts of Reunion Island, France, World Heritage site
Pitons, cirques and remparts of Reunion Island is a World Heritage Site in the interior of the Island of La Réunion, featuring spectacular volcanic landscapes, luscious rainforests and stunning gorges and waterfalls. The island is made up of two volcanic massifs: the Piton des Neiges, a now dormant volcano which created the island 2.1 million years ago, and the Piton de la Fournaise, an active volcano in the southeast.
La Réunion rises to 3,071m in altitude, and is the youngest of the three Mascarene Islands. The climate is oceanic and subtropical, but the island's varied topography creates many microclimates and a variety of ecological conditions. The World Heritage Site includes the middle and upper slopes and peaks of the two volcanoes and a linking section between them. The volcanic and erosional topography of the site is striking.
Long linear and curvilinear escarpments known as "remparts" rise to 1,000m in places, surrounding erosional "cirques" in the flanks of the volcanoes, or adjoining the radiating streams. The peak of the Piton des Neiges lies at the centre of three such scarp-rimmed "cirques": Salazie, Mafate and Cilaos. The Piton de la Fournaise, rising to 2,632 m, is one of the world's most continuously active volcanoes: it has erupted over 100 times since 1640. The Plaine des Sables, a large area of fine volcanic material, provides a dramatic barren landscape towards the top of the volcano.
The two peaks, with their great variety of rugged terrain of differing heights and aspects, and the visual impact of the escarpments, forested gorges and basins are of stunning beauty.
La Réunion National Park was established in 2007 and comprises 96% of all remaining natural areas of La Réunion. Most of the National Park (c. 90%) is state owned, while the majority of the remainder is under various other forms of communal and public ownership, and a small extension being on private land. The National Park contains two small strict nature reserves: the Saint Philippe-Mare Longue Reserve set up in 1981, covering 68 ha; and the Roche Ecrite Planèze Reserve, covering 3,643 ha, aimed at conserving the Critically Endangered Réunion Cuckoo-shrike (Coracina newtoni).
View photos of the World Heritage site
Size and Location
La Réunion lies 750 km east of Madagascar and 200 km southwest of Mauritius. It is part of the Mascarene Island group in the south-western Indian Ocean. The World Heritage site has an area of 105,838 ha, which represents 42% of the total area of the island. The nominated property is surrounded by a buffer zone of 11,729 ha that includes the lower part of the volcanic cirques.
Flora and Fauna
Like all oceanic islands, La Réunion has a relatively low species richness compared to comparable continental areas, but is typified by a high level of endemism. The steep altitudinal variation of the island supports a series of different habitats ranging from subtropical rainforest moving up into Pandanus thickets, cloud forest and heath on the windward side of the island, and through dry subtropical forest and steppes, the most threatened habitat types on La Réunion, on the leeward side.
La Réunion is considered a global Centre of Plant Diversity, where a third of the vegetation is forest, and it conserves the most extensive and best remnants of the natural vegetation of the Mascarene Islands. Its variety is due to topographic complexity, climatic variation, the abrupt altitudinal gradient and to the island's oceanic isolation. It hosts 1,712 species of vascular plants. Of the 840 indigenous species, 389 (46.3%) are endemic, 236 being locally and 153 regionally endemic. 8 genera are endemic to Réunion, and 5 more endemic to the Mascarenes. There are also 754 species of mosses.
Although altered by human use, the impact of human activity on the ecosystems of La Réunion is lower than elsewhere in the Mascarenes.
As for most remote islands, the vertebrate fauna is poor, having less than 50 indigenous species. A significant number of these species are known to have become extinct since human settlement began in 1650, including a giant tortoise and the iconic dodo bird. However, the bird population has survived better than on other islands, since monkeys and mongoose were never introduced. Out of the 78 birds, 7 are endemic of the island. Amongst recorded insects, 40% of the beetles and 25% of the 500 spiders are endemic. There are 500 species of butterflies. Out of the existing 54 molluscs, 20 are endemic to La Réunion, and 24 more to the Mascarenes. There are also 21 freshwater fish, 9 freshwater crustaceans and 20 freshwater molluscs all of which are endemic. The World Heritage site protects the areas that are important in sustaining these levels of biodiversity.
In relation to ecosystem processes, it is worth noting that the vast tract of mostly intact forest stretching from sea level at Mare Longue to the summit of the Piton de la Fournaise is an exceptional survival within tropical islands in the Indian Ocean. There is a large number of distinct habitat types, plant succession has been studied in detail, and there are good examples of the ongoing emergence of species.
The greatest threat to the values of the site is the large number of invasive alien species, both animals and plants. They are most intrusive in the semiarid, lowland and mid-level forests, and the invasive plants include some of the most problematic and pervasive known invasive species. Eight alien mammals are also present, including deer, rats, dogs and cats. The extreme pressure from these invasive alien species has completely disrupted ecological processes in many areas of the island, and when natural vegetation disappears due to landslips, lava flows, or other factors, it is mostly replaced by more aggressive exotic species.
Another menace to the unique natural values is posed by urban development and population pressures. The island is heavily populated and population is increasing quickly, especially in the coastal plain. Aside from the cirque areas, most of the interior of the island is however not settled.
Dealing with the threats
A comprehensive strategy to control and eradicate invasive alien species (IAS) was agreed on in 2008. A number of institutions are working on IAS issues and substantial financial resources are allocated to work on this subject. A number of actions have been already successfully implemented, such as the eradication of cats and rats in the Nature Reserve of la Roche Ecrite affecting nesting areas of the La Réunion Cuckoo-shrike, a forest bird endemic of the island.
There are a number of regulations in place to control the impacts resulting from tourism. They are supported by environmental awareness programmes with tourism operators and local communities.
Visitor experience
Tourists to La Réunion can choose from a wide variety of outdoor activities: hang-gliding, paragliding, riding, rafting, whitewater kayaking, mountaineering, rock climbing, trekking, camping and picnicking. In 2005 the estimated number of tourists to La Réunion numbered 603,000, many visiting the beaches which are not within the World Heritage site. Sightseeing and trekking in the interior of the island is growing in popularity and there is a road access to viewpoints on the Piton de la Fournaise.


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FA Insights is a daily newsletter from Business Insider that delivers the top news and commentary for financial advisors.
PETER SCHIFF: There's Another Fiscal Cliff That Won't Be So Easy To Avoid (Advisor Perspectives)
"It cannot, or should not, be denied that Washington's latest fig leaf will have a major impact on the markets. The New Year's "relief rally" is understandable given the clear implications that the government will simply print its way out of trouble for as long as it can. …Markets are now driven by stimulus, not fundamentals, and the stimulus is firmly at the wheel.
In the meantime, President Obama and Congressional leaders will take credit for a tax cut that is in reality a huge tax increase in disguise. Government spending is the real source of taxpayers' pain and it is only a matter of time before the bill comes due in the form of inflation. See our Newsletter for fresh analysis as to why inflation may already be higher than you think. Because the deficits will grow even larger, more purchasing power will be lost in this manner than would have been lost had all the Bush tax cuts been allowed to expire. In addition, though entitlements cuts were taken off the table, the real value of benefits could be slashed, as cost of living adjustments fail to keep up with skyrocketing consumer prices. That's a Fiscal Cliff that will not be so easy to avoid."
Almost All Of Wall Street Got The 2012 Market Calls Wrong ( Bloomberg)
A new report from Bloomberg says most of Wall Street got their 2012 market predictions wrong. Among them, John Paulson's call that the euro would fall apart, Morgan Stanley's prediction that the S&P 500 would lose 7 percent, and Goldman Sachs' bullish call on Chinese equities.
GARTMAN: The Gold Bug Thesis Is In Tatters (Business Insider)
After yesterday's FOMC minutes revealed that several members of the Fed wanted to end QE3 by 2013, Dennis Gartman, publisher of The Gartman Letter wrote that gold bugs were seeing their thesis in tatters.
"Commodity prices are falling and in some instances are falling quite sharply. Clearly that is the case with gold, for the minutes of the FOMC's last meeting have shaken the hopes of the most violent "Gold Bugs" malevolently, and have shaken our gold position rather materially. We are, however, rather nicely insulated from the real damage being done to the simplistic gold bugs who have owned and who still own gold predicated upon their thesis that the Fed has lost control of the money supply. That thesis is now in tatters... or at least has been very badly torn in the past twenty four hours... following the single sentence from the Fed's minutes noted at length above.
…The game has changed for gold if we are to believe the minutes of the FOMC meeting, and at the moment we've no choice but to believe them. The only hope for the gold/US$ bulls is that the newly constituted FOMC shall be more dovish than was the FOMC as constituted last year. That case can be made, but only at the margin. We shall accept the FOMC of '13 as more dovish than was that of '12, but only marginally so; not materially so."
The Scariest Jobs Chart Ever (Calculated Risk)
The jobs report this morning showed that the U.S. economy added 155,000 jobs and the unemployment rate ticked higher to 7.8 percent. Bill McBride at Calculated Risk wrote "This shows the depth of the recent employment recession - worse than any other post-war recession - and the relatively slow recovery due to the lingering effects of the housing bust and financial crisis."
Small Transgressions Can Cost Brokers Big (The Wall Street Journal)
Recent disciplinary actions against brokers have shown that even tiny infractions and false reimbursement requests can cost them their jobs and bar them from the industry. Two such cases involve Hartford Life Distributors LLC. and Bank of America Merrill Lynch.
Jim O'Neill Thinks The Post-2008 'Risk On/Risk Off' Trade Is Finally Reversing (Viewpoints)
"There are a number of growing hints that the post-2008 environment of "risk on/risk off" with very strong cross-asset-class correlations is reversing. If this were true, it should be really good for specific investors who can concentrate on their asset class and not worry so much about extraneous forces. I had already touched on this a number of times during 2012, not least because smart investors should try to anticipate these trends reversing before the masses. But now, the evidence is accumulating.
It is at its most apparent in the foreign exchange market, with the dramatic decline of the Yen since mid- November, which is clearly a function of the incoming LDP leader Abe planning for a more activist set of policies. Many sell-side commentators are still focused on the two-year US-Japan interest rate differential in following the Yen, which worked so well since 2008, but - at least for now - has clearly broken down. I would remind people that over a longer period - in fact, since the early days of floating - there is very little statistical evidence that US-Japanese interest rate differentials are that crucial for USD/JPY."


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SAY WHAT? Laura Padgett calls baseball "half-cocked idea"
In a recent email to the Wilmington City Council, Councilwoman Laura Padgett said the baseball stadium was a "half-cocked idea." Padgett's comment was in the context of an email discussion about a house at 226 S. Front St. Wilmington leaders are grappling with whether to tear down or try to preserve the dilapidated blue house. Padgett, who opposes the demolition of the house, wrote, "We can almost buy the house for what we have left over from the designated funds… Read More »


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The Weatherstrip Seal Market 2018 Report consists of all the basic information regarding the Weatherstrip Seal market. The all-inclusive report will aid users to understand the market current trends, industry growth drivers, share, analysis, size, production, forecast trends, supply, sales, demands, and many other aspects. The analysis was accomplished using an objective amalgamation of primary and secondary data including contributions from major participants in the market. The global Weatherstrip Seal report is an essential reserve of data, primarily for the industry administrators.
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Hebei Longzhi
Qinghe Yongxin
Hubei Zhengao
Qinghe Huifeng
Weatherstrip Seal Market Segment By Types:
TPE/TPO/TPV and etc.
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Engine Hood
A mix of essential and optional research has been utilized to decide the market gauges and estimates. Sources utilized for optional research incorporate (yet not restricted to) Paid Data Sources, Company Websites, Technical Journals, Annual Reports, SEC Filings and different other industry distributions. Particular points of interest on the system utilized for this report can be given on interest.
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