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How to use Google AdWords for branding?Posted: October 21, 2013 Filed under: Uncategorized | Tags: brand positioning, branding, Google AdWords, split testing, USP Leave a comment
Adwords can be the best competition mapping and testing platform.
It is very simple. You only need to do a search for the main keywords of your category and note the ads that appear. Then you start breaking the info down in segments to simplify the data intake:
a. Promise, answers the question "why should i click and come to your site". For example such promises could be "free", "low price", "top quality", "top variety", etc.
b. Support for the promise, aims to provide credibility to the claimed promise. For example, "lowest price guarantee" could be a support for"lowest prices" or "30,000 designs to choose from" could be a support for a 'variety' claim. It is surprising that most ads fail to provide any sort of support for their claim.
So after noting down search ads for your industry's main keywords, you now have:
-who are your competitors
-what is their USP (promise)
-what is their USP support
At this point, it could be helpful to plot what you got. You need to come up with two axes. Ideally one axis should be functional, e.g. price, and the other more sentimental, e.g. 'trust' or 'leadership'. Maybe you should keep both axis more functional, eg price vs. variety or speed. These decisions could be guided by your findings via the competition mapping process on the Google result page. Once you have the axis, you plot all the players on the graph and look for openings. This will highlight opportunities in the market.
Next step is to come up with different concepts that could eventually be turned into brand positioning. These concepts could be 'original thoughts on what you think matters in your industry or even 'stolen' from competitor's. All concepts should somehow answer the question "why should people buy products such as the ones you are selling". Say you are selling sports shoes, do people buy shoes based on features, design, price, specialization, brand etc.? If you think all of the above could apply, you write two texts ads for each one trying each time to make it as focused on that concept as possible. You should do two ads because copywriting plays a role. Some ads are more effective than others because they are better written. So you write two ads and look at their combined performance when comparing the concepts between them. The concept whose ads exhibit the highest CTR is the winning concept. This is the concept that engages consumers most when it comes to searching and buying your products.
Note that you need to let the ads run until you get enough data to give you statistical confidence. This could take weeks depending on your Adwords budget and the search traffic your keywords get. But in my view it is worth the wait as the USP is something to keep for a long long time.
Second note, test the concepts for as many different AdWords campaigns as possible. By AdWords campaigns i mean set of keywords, i.e. consumer's states of mind. When a consumer searches for a competitor brand, then this means that the user is already in an advanced state where he knows about the particular brand and has probably also has decided that this is his favorite. Different case when a user has searched for your brand. Or totally different case when a user searches for a generic keyword such as "sports shoes" vs. something much more precise such as "running shoes for hard terrain".
If a concept proves to be the big winner then that's great. If this particular concept is over-populated with competitors claiming to capture it, for example this is common for the "cheap prices" concept or "best taste" concept for food & beverage industries, then you can do a 2nd phase of testing where you combine each concept with the winning, i.e. cheap & convenient, cheap & choice, cheap & fast, etc.
A final 3rd phase could be to test which is the best support for the winning concept. You could go about it the same way. List down different alternatives for supporting your claim, eg cheapest because we have the biggest volume, cheapest because we have the widest choice, low price guarantee, etc., prepare ads for each and so on.
So now you know who your competitors are, what is each one's promise, how the competition environment is mapped out and what consumers respond most too. Now you are in a good position to take an educated decision on what your brand's USP should be.
Final note is that you should not necessarily choose the winning concept. It should depend also on the openings demonstrated on the competition mapping graph and of course your brand's own DNA. For example, if you offer the most expensive product in the market, then selecting the "low price" concept just because it proved to be the best performing won't work.
Good luck.
Blog post: #3 Quick & Dirty Email Marketing Tip: how to be relevantPosted: July 10, 2013 Filed under: Uncategorized | Tags: email marketing, performance marketing, relevance Leave a comment
- Weekly digest: if you participate in our program, you could enter a draw for a BMW
- Dear [username], you have been shortlisted to the VIP draw for a BMW
how often users use your product, i.e. if they are high, medium or low users. For example, you can email/ call/ SMS your high users much more often and expect to get higher returns and lower optout vs. if you did the same thing to your low users.
why they are using your product. This is even true for the simplest of products. For example, consider Coca-Cola, as mass and as simple as products come. Still, Coca-Cola consumption patterns can vary greatly. For example consider two different consumption patterns: Coca-Cola with food vs. Coca-Cola as a mixer, e.g. Vodka with Coke. One can expect that a promotion "pizza + coke = -20%" will perform differently between consumers of each of the two consumption patterns.
10 rules to guide you through testing new business ideasPosted: June 26, 2013 Filed under: start up | Tags: A-B testing, innovation, Start-up, testing new idea, user segmentation Leave a comment
Harold Camping (pictured in December 2002), predicted doomsday to arrive on the following day, May 21, 2011 (http://goo.gl/QVVqW)
Hands on Email Marketing for mobile: review of actual email campaignsPosted: June 3, 2013 Filed under: Uncategorized | Tags: email marketing, mobile inbox, real-life case study Leave a comment
See below a screenshot from my mobile inbox. Stats say that mobile inbox is already the nr1 medium for reviewing emails. Most emails get deleted on mobile devices than anywhere else. Hence it makes sense to take a few minutes and review how your emails appear on mobile devices. For the sake of the exercise I am using the most popular single handset: the iPhone. The email senders are chosen at random and include:
- Saks – the world famous retailer
- Netrobe – a fashion iOS app that I am currently getting involved with as an advisor
- Kotsovolos – Greek subsidiary of Dixons
- MelinaMay – leading online stock outlet for the Greek market.
Saks: apparel retailer
(-) There are actually two emails from Saks in my inbox. That is too much given that I have never ever purchased anything from Saks. Saks should have segmented me as an inactive user, tested multiple messages on that group and then send the best performing one to all inactive users in hope that the maximum of inactive users will convert to paying customers. Two emails on one day is a sure sign that Saks has not thoroughly tested those messages and also, as a recipient, I realize that these messages are not anything special that deserve my attention more than any of the previous messages I have been ignoring.
(+) Sender: varied sender helps as it differentiates the two messages and makes recipients think that the message actually is sent from two different sources – reduces the feeling of getting spammed.
(+) Positive marks also on correct targeting, serving me messages for males while indeed I am a male.
(+) Top message has a fairly effective title kicking off with a most impressive 70% discount. Also makes clear that it refers to male products. Not so keen on the Must-Haves descriptor which is too vague and hence conveys no real info.
(-) Negative marks for the descriptor below the title especially for the top email, which repeats the Sender and then reads like random text without any coherency. The bottom email reads a bit more logically but still it feels like an AdWord campaign unsuitable for a personalized message to an already subscriber.
NETROBE: a cool iOS app to help fashionistas organize their wardrobe
(-) Not cool though that it repeats its brand name in the sender and title – waste of character real estate really
(-) Also not cool that the title conveys no information – the real information, i.e. the topic of the email, is replaced by "…" as it lies beyond iPhone's character limit
(+) The descriptor is ok as it reads as a logical text and provides brief product descriptors and brands that could engage recipients.
Kotsovolos Dixons: electronics retailer
(+) Good use of title and title effectively communicating who sends the email and what it refers to
(-) Negative marks for the topic of the email being only a CSR message (= look at us how great we are) offering no real incentive to read it. The correct implementation should include an invitation/ CTA on how the recipient can help or maybe what the Kotsovolos Dixons customers have already done to contribute to this good deed.
(-) Big time negative marks for having left a generic text as a descriptor – Kotsovolos Dixons must have never paid any attention to the mobile inbox.
MelinaMay Fashion: apparel discount retailer
(+) Positive marks on using favicons in the title and especially in the start of the title. A sure way to boost engagement. Also it matches well with the title's copy which is always a plus.
(+) Good use of character real estate informing recipients that new items have arrived. Important incentive for the bargain hunter to read the email and find out what type of products came in.
(-) Missed opportunity to use the descriptor below the title to outline some of the product types, brands etc. that just came in.
Got any other comments on the emails showing in the photo or disagree with any of the points, feel free to say so in the comments section.
#2 Quick & Dirty Email Marketing Tip: behave in a 1-to-1 mannerPosted: May 24, 2013 Filed under: Uncategorized | Tags: email marketing, personalization, user segmentation 1 Comment
If you search for 1 to 1 marketing you will get results such as personalization, CRM technologies, userbase segmentation and so on. Before you go there and invest in a software or recruit an agency, first identify the principle behind all of those buzzwords and try applying it in your email marketing.
The juice: make the recipient feel like this message is intended to him personally rather than give him the i-am-bulking-everyone-i-have-access-to impression. The more relevant the message, the higher the probability that the recipient will become engaged upon receiving it. That's the juice.
How do you get recipients to get this feeling? Here a few examples:
-make the content of the message as relevant to the recipient as possible. One way to achieve this is through userbase segmentation. For example, segment in a list users that purchased a specific product and prepare a custom message for them only. Or make a list of customers that spent more than 100 Euros the past 15 days.
-be explicit in what you are doing. If you did segment your users and you are now addressing a specific segment of those, tell them so. And do so as early in the message a possible (see benefits of cutting to the chase). For example, "You have spent more than 100 Euros the past 15 days and that places you in our Golden Club and eligible for a unique offer…".
-make copy personalized. The trick here is to make all copy seem as if it is written for this recipient only. This does not mean you need to change your brand's tone of voice, no just imitate how a company representative would address a customer. To go a step further, you can make the message more personalized by addressing the recipient by his or her name (most email marketing software allow this functionality), explicitly explain why the message is relevant to the recipient, or even better make evident how this message is exclusive for the particular recipient.
-be polite. In 1-to-1 relationships manners matter more. Some examples: don't try to trick them, don't make unsubscribing difficult, don't enroll them in the mailing list without their consent, don't lie, etc.
-do not treat all customers equal. When I walk in a store and I am a regular, I expect to be treated as one. Similarly if I am not a regular, too much intimacy might be annoying. How would that translate in email marketing world? Segment your users in terms of worth, say gold, silver and bronze, and then treat each group differently. What could differ? The contact frequency first of all, the tone of voice, the quality of the offers, anything that signifies preferential treatment in your business
I believe the main pillars on how to make recipients feel special are here. Do all of the above and you will get 90% of the benefits a 5,000 Euro/ month CRM system could offer you. Have you found another trick in order to make recipients feel special? Please write a comment about it.
eBusiness is not for Gus HansenPosted: February 25, 2013 Filed under: ecommerce, start up Leave a comment
Gus Hansen is maybe the nr1 poker player in the world. But it should not take Gus Hansen to know the first rule of poker: don't give away the cards you are holding. Keep people guessing instead. Hence the expression poker face. Even better, mislead your opponents to think that you are holding something other to force a wrong decision from their part. This could read like a business book tip. Trick your competition and so on. But when it comes to eBusiness then this is exactly the opposite of what you should be doing. Better lay all your cards on the table and pray for someone to have a look and share an opinion.
To prove my point, let's take the case of start-ups. Say that it is the year 2005, Facebook does not yet exist and you find yourself in a coffee place and your friend mentions that he is thinking of building a site where visitors could subscribe to create their personal page displaying their picture and a very brief bio. Would you realize they would be talking about the biggest internet phenomenon to date? Would you even grant it as a good idea to start with? Would you feel envy that you did not think of it first? Would you wish he would get you involved? Would you actually expect that person to go ahead and build it in the end? Say there is also another person following the conversation. Would you expect, following this discussion, that few months later there would be two competing Facebook-like sites in the market, your friend's and the third person's listening in? What if your friend would go around town and mention that idea to everyone he met? Would you then expect to get a number of Facebook-like sites emerging triggered by your friend pitching idea left and right?
Hell no. One thing is certain to happen, your friend would get great feedback and build on his idea listening to comments and criticism. For example, some person might mention that it would be cool to allow for users to invite friends and get alerts for whenever their friend does anything to his profile. This idea would be gold. Even if 200 Facebook-like sites launched that year, this insight would set it apart. Another person might propose to allow users to upload pictures. Would people really be willing to upload pictures of their personal moments to the wide public? Can you know the answer to this? How could you unless you asked around and got feedback. If all humans had my taste in cuisine, there would only be Italian restaurants and chocolate ice-cream. Tough to predict what people will like and do. Some feedack will be gold, some will be crap, some will just need to be processed. For example, the comment about privacy is valid and could lead you to coming up with limiting access to profiles based on whether they are friends or not. If you don't do this, you will most certainly get the product wrong and leave room for the next person with a similar idea to capture it. And be certain out of the international online population, that person won't be too long.
You might be thinking that all this argumentation stands for start-ups and new ideas. How does it apply to running businesses that are already out there? You will be amazed at how much eBusinessmen prefer to keep in the shadows. How many eCommerce businesses share mistakes they have done with social media? Or best practices? How many of them still don't know how much is right when it comes to investing in Facebook? Quora? Are they even aware of this opportunity? What about mCommerce? Are they correct to not have invested in this or did they waste their money developing a mobile friendly website? Are they really as SE optimized as they should? Are they leveraging email marketing as they should? Are they even segmenting their userbase or is everyone receiving the same email? Still that same message are they doing A-B testing? Is it worth it? Whoever does it won't admit to it. The rest are to find out about this whole thing on their own.
In the past, a store would open in the high street and would compete with the rest. Now the high street has expanded to include the whole world. The best practice would be for businessmen to group in teams, share all their cards and try to beat the enemies at the gate to make sure they are ahead in the global game as much as possible.
The reason I am making this point is because I am tired of reading articles or going to presentations where businessmen get on stage with the sole intent to sell their company and its products. They don't aim in sharing the knowledge, letting you in in any secret. This is bad practice that will drag the whole ecosystem behind. Some other group of businesses will outgrow you and you will be left behind. The other alternative is that your ecosystem will outgrow the rest and gradually expand its borders. This is something to aim for.
So you have an idea, you have a good practice or a bad practice to share. Then just share it. Discuss it. Be open about it. It will only benefit everyone around you in the long term. Yourself included.


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Mini Victoria Sponges
Melt 4oz butter in Micro Cooker and place in the Manual Food Processor with 4oz self raising flour, 4oz of sugar and 2 eggs.
Blitz up in the Manual Food Processor.
Place two Small Scoops in each well of the Brownie Pan.
Cook on 180 degrees for 12 minutes
Remove each cake to cook on Cooling Rack - I didn't oil this pan at all and each cake is SO easy to remove.
LOOK LOOK LOOK - how clean is that????!
Pipe on whisked cream whisked in the Classic Batter Bowl with a Double whisk - use the Easy Accent Decorator.
Add strawberries!
Check out all the equipment here http://www.pamperedchef.biz/sarahhall?page=products-category&categoryId=122
Nom nom nom! Enjoy!
Check out the fab new brownie pan here

subset: commoncrawl


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Slate's Isaac Chotiner talks to New York Times reporter Jodi Kantor about her work on last week's article exposing Harvey Weinstein's history of sexual harassment and abuse. Though Kantor was happy to discuss the reporting process and why her sources chose to come forward, she was less willing to speculate on how the women felt about having their stories ignored for so long. "You'd have to ask them that," she said, "but honestly I think a lot of them were more consumed with their own feelings." In regards to Sharon Waxman's assertion that the Times killed her story about Weinstein in 2004 after pressure from the producer, Kantor said that in her own experience, "there was a tremendous amount of pressure, but the pressure was to get the story, not to abandon the story."
Hachette Book Group has closed the Weinstein Books imprint. Staff and in-progress titles will be moved to Hachette Books.
Poynter talks to Jessica Bennett, who was recently hired as the Times's first gender editor.
Seventy-two authors—including Claire Messud, Jennifer Egan, and Louise Glück—have signed a letter addressed to the New York Times in defense of Jill Bialosky, who was recently accused of plagiarizing parts of her new book. "Given the trust that is assumed between a writer and her readers, this mishandling is not something to shrug off," they write. "Yet it bears saying that Ms Bialosky's inadvertent repetition of biographical boilerplate was not an egregious theft intentionally performed. . . . It would be a terrible disservice to Ms Bialosky and to your readers if the article kept people from appreciating her substantial contributions to American letters."
Quartz's Zheping Huang looks inside the world of Chinese news assistants, who do much of the work for foreign correspondents but, due to Chinese law, cannot take any of the credit. Employed by the Chinese government, news assistants report stories, translate interviews, and arrange travel and accommodations for journalists at foreign news outlets, but are not allowed to have a byline. After publishing a story under the name of his news assistant, former Washington Post China correspondent Keith Richburg received a phone call from the government, "asking him why he wasn't following Chinese rules." "It's gutting not to be able to give them a byline or real credit for the amount of work they've done, when in fact 90% of it is their work," Richburg said.
In an interview with Axios editor Mike Allen, Sheryl Sandberg denied that Facebook is a media company. "At our heart we're a tech company," she said. "We hire engineers. We don't hire reporters. No one is a journalist. We don't cover the news." Business Insider's Steve Kovach notes that the company, "which distributes media and makes money off it by selling ads is, by definition, in the media business."
Actor Andrew Rannells is working on a book. The Book of Mormon and Girls star's memoir will be published by Crown Archetype in 2019. "Being an author has always been a dream of mine and I am incredibly honored to be given this opportunity," he said in a statement. "I am excited to share these stories and I will try my absolute best not to embarrass my family. Too badly."


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Umm, I guess that this update is the same as the last; I'm afraid it's taken a while to get around to writing another story, but here it is.
I've a few more ideas on the go, but I can't promise how quickly I'll be able to finish them.
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I'm planning on going to Israel in 2012...Dan Chambers will be with me! It's gonna be the trip of a lifetime! If you've never been to the Bible Lands it will change you life! If you've been, the second trip is even better than the first! Here are early details. Send me an email if you are interested in going (firstname.lastname@example.com)
Day 1, Monday, March 12 - Leave the U.S.
Day 2, Tuesday, March 13 - Arrive and hotel in Ceasarea
Day 3, Wednesday, March 14 - Ceasarea, Mt. Carmel, Megiddo, hotel in Tiberias
Day 4, Thursday, March 15 - Boat ride on Galilee, Capernaum, Chorazin, Bethsaida, St. Peter's fish lunch, Jordan River
Day 5, Friday, March 16 - Mt. of Beattitudes, Dan, Ceasarea Philippi, Golan Heights Day 6, Saturday, March 17 - Nazareth Village, Beth Shean, drive to Jerusalem
Day 7, Sunday, March 18 - Mt. Olives, Garden of Gethsemane, Old City, Church of Holy Sepulcher, Western Wall, Garden Tomb
Day 8, Monday, March 19 - Southern Steps of Temple Mount & Davidson Center, the City of David, Temple Mount, Western Wall Tunnels
Day 9, Tuesday, March 20 - Qumran, Ein Gedi, Masada
Day 10, Wednesday, March 21 - Herodium, Maresha, Valley of Elah
Day 11, Thursday, March 22 - Head home


text: A very showy cluster of lustrous, striated schorl crystals aesthetically attached to the side of this SIGNIFICANT CABINET combination specimen from an UNCOMMON San Diego County pegmatite - Naylor Rock near Pala. A large, lustrous and terminated smoky quartz crystal is set in bladed cleavelandite along with a large, partial microcline crystal. The smoky and microcline are contacted, but this remains a highly representative combo piece from a famous mine. Naylor Rock is any OLD term (used by Kunz in 1905!) and is actually part of the Vanderberg dike workings. Ex. Chuck Houser Collection.


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Venture into an intense science of yoga, with an in-depth look at philosophy, a way of life and broaden its practice and tradition through the lens of Rishikesh Yog Dham expert teachers. This is a golden opportunity to gain first-hand experience and develop skills to teach uplifting classes. Proven both therapeutic and energetic, students will apply learned tools to empower themselves and others.
The RYS 500 program is specially designed for teachers looking for a higher standard of learning and brings the deeper set of skills into their practice and teaching. Going easy on lectures and deeper, further nuanced understanding of advanced exercises and personal development, students will know what it is like to practice, teach and live yoga. This program is well suited for students wanting further challenge rather than the conventional 28-day timeline, as offered by RYS 200.
Our courses focus on detailed study, adjustments and alignments of Asana (postures), Pranayama (breathing practices), Shatkarma (cleansing techniques), Dhyan (meditation), Philosophy and Yoga Anatomy. Students will emerge with deep knowledge rooted in their system about their approach to topics covered, and develop classes for private or large number sessions keeping in line with traditional Hatha Yoga practice. Our school aims for students personal transformation and growth which will leave them refreshed, increasing their awareness, wisdom, and confidence to pre-existing lifestyle.
500 Hour Yoga Teacher Training in India – Schedule ~ 2019
To book your space, a US $500 non-refundable deposit is required via PayPal, with the outstanding balance payable in full on arrival. Balance is accepted in cash (USD/INR/EURO) or by credit card (4% fee applies).
» 22 Oct to 23 Dec 2018: USD 3000 (500-Hour Yoga Alliance Certification – RYT 500)
Course Fee – $3000 (Private Accommodation)


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Jesus was born a baby because you were born a baby. To save humanity, God became fully human (and yet remained fully divine). He didn't offer salvation from the outside, but interjected himself into our world and lived among us. Join Pastor Greg as he explores why it's important that we celebrate a human baby in a manger at Christmas.
Back to All Events
Earlier Event: December 9Game Night
Later Event: December 18To Show That He's Our Savior (Why Was Jesus Born a Baby? Week 2)


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No secret I am married, and for the most part, like the 99% part, I am happily married. The other 1% I either want to smother him with a pillow, get someone to perform surgical procedures that makes him agree with me on everything, or maybe both only in reverse order. I figure if it's ONLY 1% I am doing pretty well; I know other couples where that part of the equation is much higher and they seem at least as happy and thier relationship as stable. Or maybe I'm just lying to myself and my pillow-smothering percentage is much, much higher? Really, it depends on the day.
And now I have adult children who are engaged and living together and enjoying the benefits of a stable relationship. As they are older and more mature than their father and I were when we married, perhaps their chances of staying married increase? That is certainly my hope. I want all concerned to continue enjoying happy lives and relationships with each other. At my core, I am a simple woman.
Unfortunately I know a fair number of single people who wish they were dating a compatible someone. You know, the someone who makes them feel comfortable and warm and sexy, that makes them laugh frequently and comforts them when they are sad or listens … well, always. I am a friend who listens, and I hear "but you're happily married" often enough to give it a separate classification as a thing. Maybe I am RIGHT NOW, but there have been a couple of periods in my life when I have been very unhappily married and contemplating divorce, once even following through and doing it. Or way before I was happily involved I have experienced dating someone I liked like that more a lot more than he liked me in general and desperately wishing he would wake up and truly see me as someone for a higher level of relationship. Or worse, dating someone I liked significantly less like that and knowing they really wanted me to see them as a higher level relationship material. I have been lonely and sad about being alone. I have been lonely and depressed about it as well. I have been involved in enough crappy, half-hearted, or toxic romances to appreciate M and our relationship, even when I want to banish him from the house until the work we are
arguing about discussing has been completed to my satisfaction without having to compromise.
I do try not to be smug about my relationship lot in life. There are no big secrets to share, nor do I feel as if I "settled" on M or compromised some value I should hold dear to be and to stay married. In the life and relationship lottery I feel as if I won something big much of the time. If I am feeling down and dwelling in darkness about my life I might venture that I perhaps had more flexible standards about my minimum qualifications for a partner. I honestly have no idea what makes romantic partnerships work. For us it's a day-to-day give-and-take, juggling priorities and needs and periodically falling flat, being bitchy, being lazy, apologizing and resolving to be better.
There are very few, very rare moments where I feel dramatically old and middle aged and somehow done in life. The times when I wish I could turn back the clock and relive my youth are even rarer than the old/middle aged/done times. But when the topic of relationships, dating, romance comes up, I have to tread very, very warily and start guarding my emotions, my thinking, my eyerolls. I listen mostly, because I have been partnered with the same man for a very long time and there is very little that's fresh and new and exciting for us as a couple. Truth be told I kind of like that aspect, because I am not that imaginative when it comes to new ways to surprise and delight M short of buying him a flying machine of some sort. If there's something I want from him I am completely comfortable asking for it, or even demanding it if the situation warrants. Same is true of him. We are both capable and willing to say no, and occasionally the backlash is unpleasant but not marital suicide.
Lately I feel more frequently like I am ridiculously out-of-touch and have little to offer by way of advice or commentary when friends talk to me about dating. I want them to be happy. I want them to meet quality people that make their pulses race and their steps seem lighter. I get hopeful that the newest guy or gal they discuss will stick around and bring that brightness and spark to their eyes for a good long while. Mostly I hope the relationship evolves as they desire.
But I know it is hard. I know I lack current experience with just how hard, but it was really difficult for me when I was single and dating so many years ago. Is that ancient history irrelevant now? Perhaps so.
While I try not to be smug about be married, I also will not tolerate statements my relationship, my marriage, or my long-committed self are boring by comparison to the single and dating life. Good friends get do not get a pass for saying that out loud or implying it in their dating tales, but I call them out on it in a gentle way. I know emotions are running high in one direction or another if such sentiments are stated, but inappropriate is still inappropriate.
It is fun to be on the ground floor to observe the dating of those nearest and dearest to me, to get to hear about the first meetings and observe the behaviors in the early days of getting acquainted. When the energy and magic of the new couple seems so warm and so positive, I always hope they are taking pictures to remind them of what that initial delight with one another looks like. All too frequently that spark diminishes, fades, exhausts completely. Sometimes it's just the shelf life running out, or was such an imperfect fit it is for the best. And sometimes it's just sad that one wanted it more than the other.
I remember what it's like, to have something you desperately want to work falter or fail. Pain is pain; there is no new or upgraded technology that replaces heartbreak when it happens. Even for those of us who are happily paired off right now.
So I'm writing this to remind myself that I am a good, kind, and compassionate friend to many single and dating folks. Please grant me the patience and the grace to be at least this serene the next time one of my friends tells me I cannot or do not understand because I am happily married, not snarkily snarling back with "then why are you at my kitchen table crying about it yet again?" Bitchy is not my best look.


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NetHosting recently released a case study on the past, present and future of the Dropbox hosting platform. NetHosting is the exceptional provider of the Cloud Dedicated Server, VPS server and Virtual Hosting Solutions for the past 17 years.
Dropbox is a service available in both free and payable modes that helps the users to store their files in a folder that can be viewed from anywhere round the globe with the help of an internet connection. NetHosting's Dropbox's history stretches back to 2007 when this kind of service was first found in the dorms of MIT and now the number of active users has reached to more than 4million.
The CEO at NetHosting, Lane Livingston says that "NetHosting's range of hosting options is more than equipped to handle any size of application or website". He further adds that "We've done case studies of today's most popular online destinations to show our customers what they can accomplish with what hosting platform".
NetHosting has given its customers a glimpse of what the server requirements of the most visited websites including Wikipedia, Facebook and YouTube are by exploring their hosting platforms.


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I'm excited!!! It's really late in the growing season and the seeds I planted are shooting up. The look healthy and happy so far, I think I can now tell which are the radishes and which are the spinach.
Radish tips just starting to poke there way through the soil.
Bunches of baby spinach…at least that's what I think it is. Oh well, the important thing is that it's growing.
Spring onions shoots in the autumn, I wonder if they'll be ready before the first frost, will they have to stick it out all through the winter?
My lettuce tub has turned into a jungle, with the arugula leading the way. I'm sure this is weed of some sort, but it tastes soooooo good ,who cares?
See how they started out , Growin' let the adventure begin


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Youtube is back in Thailand!
Actually youtube is back since last week. But the good thing about youtube is besides having getting to watch some funny vidz. We also get to watch some good quality documentaries. Like this one, Banned from the Bible Part 1 and 2. Its actually from History Channels and kinds of explains how the Christian Bible came to be. Very interesting and informative. :) The same guy also posted a series called Islam: Empire of Faith. For those interested in religion or history.
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South Branch Valley
Flying eagles, vintage passenger trains and historic towns color the beautiful, green South Branch Valley. It's the land of the Potomac and the place where George Washington slept. The North Fork of the South Branch follows State Route 28/Highland Trace 55 and empties into the South Branch of the Potomac west of Petersburg, county seat of Grant. The South Branch continues into Hardy County, passing through the historic county seat of Moorefield, before disappearing into the impenetrable "Trough" . . . a unique geological area best explored by canoe or by train! It then makes it way into Hampshire Country and to the great Potomac.
Great Outdoors
Trophy bass and lazy canoe trips color the South Branch. Anglers of all ages learn here and make records here. Outfitters specialize in magical river trips of choice. Whether your water pleasure be canoeing, kayaking, rafting or running in duckies, there are custom trips available, designed by local outfitters. Take time to explore the Smoke Hole Canyon by canoe or tube around Big Bend.
These four counties have a vast history of conflict with Native Americans and Civil War clashes resulting in the creation of West Virginia. The extensive Civil War Trail has more than 15 markers in this region alone. Romney in Hampshire County (the oldest town and county in West Virginia) boasts many historic buildings and Civil War stories worth seeing and hearing. Petersburg and Moorefield, both founded in the 1700's as part of Virginia, are the county seats of Grant and Hardy counties where history abounds. Mineral County has evidence of indigenous peoples dating from 1,000 to 200 BC.
Forests & Parks
To the east in Hardy County, the Lost River begins as a tiny run near the villages of Lost City and Lost River, growing larger as it passes by Lost River State Park then, near Wardensville, disappears at Lost River Sinks only to emerge again to become the Cacapon River in Hampshire County. Nearly 60,000 acres in Hardy County belong to the George Washington National Forest. A system of marked trails and forest roads make for easy hiking and backpacking. Recreation areas offer camping, fishing, and swimming opportunities.


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By: Holly Reimer
Luke 1. 68-79
Reflection—v. 71, 'He has brought salvation from our enemies'
One very literal meaning of 'salvation' is to be 'protected from harm.' There are certainly things that harm us physically, like a fist to the face or wounds that go untreated. There are also things that are harmful to our spirit—harsh words, uncaring neglect, and hateful glances. As we look at the actions and circumstances that cause us harm, we begin to see that our enemies are not just those people who mistreat us, but the systems and things that hold us down. Enemies are not just people. Salvation from our enemies can be in the form of a drink we refuse to take or the person who stands nonviolently before someone who is making threats. A change of perspective does a lot of good—a bottle will not solve problems, an aggressor is still a child of God—and can change our relationship with our enemies. In the amazing grace of God, we can find power to break the chains that tie us down, experiencing salvation in the midst of all our enemies.
Prayer Lord, so often it feels as though we are constantly harassed, beaten down by acts of violence or neglect. Thank you for your grace and mercy that offers love, protection, and liberation in a hateful world.


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Intercasino The First Online Gambling Site
InterCasino is the world's very first online gambling site. It started in 1995, a year after online gambling rules and software were established. InterCasino offers game variety, security, impressive bonuses, and of course, loads of fun. Those are basically the reasons it remained standing despite the countless casino sites that sprouted from almost every where!
InterCasino right now has close to 200 exciting games available! That number is constantly changed with many games waiting in the horizon. InterCasino continues to improve its services by offering something new to tickle your fancy almost every time. Casino games are offered under different conditions as well. You can enjoy them alone or with a virtual opponent on a tournament or cash game. Anything that you imagine is made possible at InterCasino!
Aside from the varied games available, InterCasino also offers a secured gaming environment that you should naturally look for if you place a high value on your hard earned money. Safe and secured deposit and withdraw options are made possible by the security measures built up to assure its patrons. The personal data of its members are also kept secured in InterCasino. None of its members suffered from getting junk mails or anything like that. One more thing, InterCasino has an efficient support system at work. You can easily raise your issues and get answers fast!
Responsible gaming is also the order of the day at InterCasino. The site respects and follows the established rules of law to clear out smoke surmising problems with addiction and everything else in between. InterCasino encourages its players to play responsibly and play only within the boundaries. Administering gambling in compliance with the industry's best practices always threw the critics of InterCasino off.
InterCasino also ensures that gambling is a worthy investment. An impressive take on the available rewards and bonuses are made available to the site players. Members of the InterCasino online community constantly earns points with every game, which can be translated into a serious amount of cash. We are not talking about the jackpots yet! InterCasino offers jackpots that are as impressive as they can get. If you are a serious cash player, you have come to the right decision of signing up. Progressive jackpots in many of the available games can be yours!
True enough, all fun is yours when you play at InterCasino! The website is available in not one but eight different languages and offers really good stock for being loyal. Gambling could not be more fun than it is at InterCasino. No wonder, InterCasino managed to remain one of the more reliable sources for online gambling fun since it was put up over a decade ago!


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Huguenot Table
Huguenot Table
from 1,259.38
The variety of sizes of the Huguenot table allows you to use it across a number of spaces from an informal breakfast table to a stylish office desk to a unique dining room table. Handcrafted in South Africa, this classic design is the perfect 6 seater table for any modern space. Its solid oak top and legs, and powder coated mild steel structure, make this table incredibly sturdy and durable. The steel structure is available in white or grey.
American Oak
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Cafe: 30 X 30 X 12in
4 Seater: 57 X 33 X 30in
6 Seater: 73 X 33 X 30in
8 Seater: 83 X 35 X 30in
10 Seater: 118 X 39 X 30in
Please contact us for a quote


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┌── Daniel Hinshaw │ 1836-1912 ┌── Henry Alexander Hinshaw ──┤ │ 1865-1927 │ │ └── Cyntha Eunice Nelson │ 1840-1920 Benjamin Roosevelt Hinshaw ───┤ B: 1904 │ ┌── Isaac Andrew D: 1979 │ │ └── Elvira Jeanette Andrew ───┤ 1860-1935 │ └── Unity Carlyle M: Ruth Page M: Virginia Smith └── Melba Hinshaw (1933-) 1
|Benjamin Roosevelt Hinshaw [ID 03628]
|Click here to switch to Ahnentafel view:
Born Sep 7 1904, Chatham County, North Carolina.1,2,3,4
He married Ruth Page.2
He then married Virginia Smith.2
In 1971 Benjamin was living in Graham, North Carolina.5
In 1979 Benjamin was living in/near Gibsonville, Guilford County, North Carolina.3
Benjamin Roosevelt Hinshaw died Oct - 1979.3
Virginia died Jan - 2004.6
Virginia's obituary was published in The "Burlington Times-News" (Burlington, North Carolina) on Tuesday, January 27, 2004.6
Social Security information for Benjamin Roosevelt Hinshaw: 237-09-1097
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text: AntiGravity®, the brainchild of Christopher Harrison, involves a thorough workout a few feet above the ground in a hammock that can close around the person inside to form a peaceful pod. 'It was not only a beautiful apparatus for flying, but a great way to decompress our spine. The combination of AntiGravity® and the hammock was inevitable.' Said Gwyneth from a web source. Why not try for yourself? Book your spot with us


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Take A Virtual Tour:
Our Floor Plans
One and Two Bedroom Apartments & Townhomes
Explore your options with one and two bedroom apartments and two bedroom townhomes for rent at Fern Parc Apartment Homes. Our pet-friendly apartment homes provide a spacious and stylish foundation for your unique touch, with bright natural light, generous square footage, and available wood-style flooring. Available washer and dryer connections offer in-home convenience, freeing up time to enjoy a cool drink or a leisurely meal alfresco on your private patio. We've seen to the details that bring peace of mind, including fire safety blankets and 24-hour emergency maintenance. At Fern Parc Apartment Homes, you can sit back and enjoy the view, knowing everything you need is at your fingertips, such as:
- Central air conditioning
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Come Home to Comfort
The living is easy in your newly renovated apartment home at Fern Parc Apartment Homes. Flex your culinary muscles in a chef-inspired kitchen, fully outfitted with an energy-efficient appliance package including a refrigerator and timesaving dishwasher. High performance goes chic with a subway tile backsplash and custom cabinetry. Or grab your apron and tongs and take it outdoors to the poolside grilling station, dining to the sounds of the water feature splashing in the lagoon-style pool. It all feels like home at Fern Parc Apartment Homes.
Contact the leasing office in Huntsville, AL, to learn about current availability, and get the details on our pet policy, including pet fees and monthly pet rent.


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Team Information
- Team Lead
- Chanh Quach
- Team Lead LinkedIn Profile
- View Profile
- State
New York
Project Description
- Project / Program Description
The Monroe County Solar (mcSolar) program makes solar power available and affordable for everyone within the suburban towns and villages of Monroe County and focuses solely on low to moderate income (LMI) families. Through our program, homeowners have solar PV installed in their homes, allowing them access to an environmentally friendly and cost effective way of providing energy to their home.
The mcSolar program operates within the Monroe County Community Development Division in the Planning and Development Department, which currently offers home repair and improvement assistance to low to moderate income households. By adding a solar energy component to our existing home improvement program and leveraging funding specifically for the solar initiative, mcSolar is the first known program of its kind in New York State. Our program can serve as a model for creating similar programs for other counties in New York State and beyond, potentially assisting thousands of LMI households and utilizing hundreds of megawatts of solar power.
Monroe County Community Development has a proven 40-year track record of administering the Home Improvement Program (HIP) and serving LMI households through funding by the U.S. Department of Housing and Urban Development (HUD).


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News Archives
Marie F. Hogan
Marie F. Hogan is Of Counsel in the firm's San Francisco office. She has practiced law in California for more than thirty years with a core emphasis on representing commercial banks, other depository institutions and financial service companies in connection with mortgage lending, bank operations, loan workouts, consumer law and compliance, credit and debit cards, bankruptcy and insolvency and similar matters.
Ms. Hogan has been active in the State Bar of California for many years, having served as chair of the Executive Committee of the Business Law Section in 1998 and as a member or advisor to the Executive Committee from 1994 to the present. Marie Hogan is currently also a member of the Consumer Financial Services Committee of the State Bar's Business Law Section. Ms. Hogan was previously a member of the Uniform Commercial Code Committee where she contributed her extensive skills related to, among other areas, deposits, letters of credit and personal property leasing.
Prior to joining Joseph Law, she has held senior legal positions in some of the largest banking organizations in California including Bank of America NT & SA, The Bank of California NA, World Savings Bank and Charles Schwab Bank.
Ms. Hogan has been a member of the Board of Directors of American Bach Soloists since 2000. She also served two terms as President of the organization. American Bach Soloists perform music of the Baroque era and are known around the world for the quality of their performances and interpretation
Ms. Hogan was awarded her Juris Doctor degree from Hastings College of the Law in San Francisco. Ms. Hogan received her undergraduate degree from the School of Foreign Service at Georgetown University in Washington D.C.
Ms. Hogan is a member of the State Bar of California.
Feds Target Payday Lenders: The New Enforcement Reality
By Marie Hogan and Jonathan Joseph
The President of the United States sent a wake-up call to the payday lending industry in his 2012 State of the Union speech that they are a target of federal enforcement action by the new Consumer Protection Financial Bureau or CFPB. President Obama exclaimed:
"If you're a mortgage lender or payday lender or a credit card company, the days of signing people up for products they can't afford with confusing forms and deceptive practices—those days are over."
Almost a week before the speech, the Consumer Financial Protection Bureau, the newest federal agency whose name describes its mission, published its guidelines for examinations of short-term, small-dollar lenders (aka "payday lenders"). See www.consumerfinance.gov/guidance. Payday lenders and other non-bank financial service providers that have never been subject to direct federal regulation will now be under the jurisdiction of the CFPB.
The CFPB's guidelines and the President's call out indicate the payday lending industry has clearly been targeted due to perceived abuses. The initial guidelines for the payday lending industry consist of 17 pages and are a supplement to the CFBB's 802 page examination handbook. The management and boards of directors of payday lenders that desire to comply with the CFPB's regulations should familiarize themselves with the guidelines and implement expanded compliance systems.
WHAT is the CFPB's purpose?
The CFPB will implement and enforce Federal consumer financial law consistently for the purpose of ensuring that all consumers have access to markets for consumer financial products and services and that the market for consumer financial products and services are fair, transparent, and competitive. They will especially target lenders engaging in unfair, deceptive or abusive acts or practices.
WHY payday lending?
Payday loans are supposed to be short term: 14 days. As the name implies, they're supposed to provide emergency cash to enable consumers to cover short term necessities until the next pay day, when they theoretically should be able to repay the loan. Critics say this is typically not the case. Customers often roll-over their debt when they can't repay it. They wind up living off that borrowed money at an annual interest rate of 400 to 600 percent or more.
Here's how it works. Let's say an individual needs $100 and the interest rate for that two week period is 15 percent. The customer writes a postdated check made out to the lender for $115. If the customer can't pay that amount when the two weeks is up, the lender keeps $15, the loan is extended and another $15 fee is added on.
The CFPB is still in the fact gathering mode regarding the payday industry, holding hearings earlier this year in Birmingham, Alabama. However, the industry is number two in its list of priorities (see www.consumerfinance.gov/regulations/fall-2011-statement-of-regulatory-priorities). Richard Cordray, the CFPB's executive director, said the agency will examine bank and non-bank institutions offering these short-term, small-dollar loans. At the Birmingham hearing, Cordray expressed this sentiment:
"We recognize that there is a need and a demand in the country for emergency credit. At the same time, it's important that these products actually help consumers and not harm them. We know that some payday lenders are engaged in practices that present immediate risks to consumers and are illegal. Where we find these practices, we will take immediate steps to eliminate them."
WHAT is the scope of CFPB's responsibility?
CFPB has responsibility for specified federal consumer financial laws, such as Truth in Lending and the Fair Credit Reporting Act and certain Federal Trade Commission rules, such as the Credit Practices rule. The CFPB may also issue rules, and even without a rule, it may examine for unfair, deceptive or abusive acts or practices that cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace.
WHICH payday lenders can the CFPB examine?
Any payday lender, in any state, whether regulated or not, can be examined. The CFPB has the power to take enforcement actions against any payday lender. The first step for the CFPB is an examination of the company for compliance with federal consumer financial laws and unfair, deceptive or abusive acts or practices. An important point is that the examination guidelines merely provide a roadmap for what a company needs to do. The CFBP's guidelines don't provide detailed direction to a payday lender but the CFBP will provide notice through the examination process regarding the company's demerits and legal violations. The CFPB has a scale of 1-5 (one being the best) that will be awarded in an examination. In general, all payday lenders should strive to earn 1 or 2 ratings in all sub-categories that are reviewed.
The CFPB may investigate and bring administrative enforcement proceedings or civil actions in Federal district court for violations of federal consumer financial laws. The CFPB additionally may obtain "any appropriate legal or equitable relief with respect to a violation of Federal consumer financial law" including: 1) rescission or reformation of contracts; 2) refund of money or return of real property; 3) restitution, disgorgement or compensation for unjust enrichment; 4) payment of damages or other monetary relief; 5) public notification regarding the violation; 6) limits on the activities or functions of the person against whom the action is brought; and 7) civil money penalties (which can go either to victims or to financial education).
The CFPB has no criminal enforcement authority; however, it may refer matters it believes may constitute criminal activity to the Department of Justice.
Payday Lender Examinations: What should management know?
The examination procedures are very much based on bank/financial institution formats. Here is our list of how this system works based on years of experience and working with the regulatory agencies:
First, policies and procedures must be in writing. That means the payday lender's Board of Directors should establish detailed written procedures covering all significant compliance risks and processes.
Second, procedures must address compliance with federal consumer financial laws, as well as addressing other risks.
Third, the Board must be intimately involved in establishing policy, overseeing management and insisting that management comply with its policies.
Fourth, companies must train and monitor their employees.
Fifth, monitor audit procedures and processes and address all criticisms from internal and external auditors, state regulators and the CFPB.
Sixth, compliance must cover "soup to nuts", meaning from product development to end of customer relationship and every significant step in between.
Seventh, appoint a compliance officer with real authority and responsibility. For smaller companies, this may be an employee who has other responsibilities, but take steps to assure that the compliance officer is qualified.
Eighth, the company must monitor any third party service providers for compliance with the above.
The CFBP examination objectives are:
1. To assess the quality of compliance risk management systems, including internal controls and policies;
2. To identify acts or practices that materially increases the risk of violations of federal consumer financial laws;
3. To gather facts that help determine whether the lender is engaged in acts or practices that violate the requirements of federal consumer financial laws;
4. To determine if a violation of a federal consumer financial law has occurred and whether enforcement actions are appropriate.
Which Federal Laws Are Applicable to Payday Lenders?
- TILA and Regulation Z—TILA is the Truth in Lending Act and Regulation Z require lenders to disclose loan terms and annual percentage rates. Regulation Z also covers advertising disclosures, proper crediting of payment, proper crediting of credit balances and periodic disclosures.
- EFTA and Regulation E—EFTA is the Electronic Funds Transfer Act which protects consumers engaging in electronic transfers, including that lenders may not require, as a condition of loan approval, the customer's authorization for loan repayment through recurring electronic funds transfers.
- FDCPA—This is the Fair Debt Collection Practices Act which governs collection activities conducted by (a) third party collection agencies and (b) lenders collecting their own debt under an assumed name.
- FCRA— This is the Fair Credit Reporting Act which, with its regulations, governs furnishing information to credit agencies and the use of credit reports.
- GLBA – This is the Gramm-Leach-Bliley Act which, together with implementing regulations, requires that furnishers of information to consumer reporting agencies ensure the accuracy of data furnished to the consumer reporting system.
- ECOA—This is the Equal Credit Opportunity Act which, together with implementing Regulation B, sets requirements for accepting credit applications and providing notice of any adverse action. Discrimination against a borrower is prohibited, plus discrimination based on public assistance income or because the applicant has exercised any right under the Consumer Credit Protection Act is prohibited.
Some payday lenders do attempt to comply with applicable law. However, bad actors in the industry have contributed to the perception that widespread abuses exist. Companies in the "short term small dollar" lending business that desire to avoid potential CFPB enforcement sanctions should implement compliance systems and procedures modeled after those used in the banking industry designed specifically to comply with the laws listed above. This may entail adding risk and compliance officers to existing management teams, robust internal controls and better policies and procedures.
For additional information contact:
Jonathan Joseph at firstname.lastname@example.com; or
Marie Hogan at firstname.lastname@example.com.
Joseph Law Expands its Banking Industry Expertise with Addition of Marie Hogan
SAN FRANCISCO, CA – September 30, 2010. Joseph Law Corporation announced today that it has expanded its banking law expertise through the addition of Marie F. Hogan as Of Counsel to the firm. Ms. Hogan brings more than thirty years of high level banking experience to the firm with a core emphasis on representing commercial banks and financial service companies in connection with mortgage lending, bank operations, loan workouts, consumer law and compliance, credit and debit cards as well as bankruptcy and insolvency matters.
"We are extremely pleased that Marie Hogan is teaming up with Joseph Law. Her depth of industry knowledge as well as her hands-on experience in consumer compliance, loan workouts, regulatory and mortgage lending will benefit our clients in this post Dodd-Frank era. Marie really rounds out our ability to offer complete legal solutions to financial institutions," said Jonathan Joseph, the firm's chief executive officer.
Marie Hogan brings to Joseph Law Corporation many years of working hand in hand with the business people who develop necessary and useful financial products for their customers. In a regulated industry, Marie Hogan has the skills to navigate the many new regulations that will be enacted pursuant to the Dodd-Frank Act. The firm will now offer Ms. Hogan's services to our banking clients to enable them to bring cutting edge products to the market and to help them comply with numerous new consumer, lending and other regulatory requirements.
Marie Hogan's experience has included senior positions at Bank of America, World Savings and Schwab Bank. Ms. Hogan also served as chair of the Executive Committee of the Business Law Section of the California State Bar in 1998 and as a member or advisor to the Executive Committee from 1994 to the present. Marie Hogan is currently also a member of the Consumer Financial Services Committee of the State Bar's Business Law Section.
Joseph Law Corporation is an AV® rated firm based in California that emphasizes complex banking, corporate, regulatory, securities and transactional matters for financial institutions, entrepreneurs, businesses, investors and venture capital firms. Joseph Law is known for sophisticated expertise, extraordinary commitment to clients, relationship-based services, and a range of specialized capabilities typically found only in the largest American law firms.
For additional information, please visit the firm's website at www.josephlawcorp.com or call Jon Joseph at 415.817.9200.
This press release is provided as a general informational service to clients and friends of Joseph Law Corporation. It should not be construed as, and does not constitute, legal advice on any specific matter, nor does this message create an attorney-client relationship. These materials may be considered Attorney Advertising in some states. Please note that prior results discussed in the material do not guarantee similar outcomes.
Jonathan Joseph to Present "Dodd-Frank Executive Compensation and Corporate Governance" Webinar for CalBar
SAN FRANCISCO, CA – August 12, 2010. Joseph Law Corporation announced today that its Managing Partner, Jonathan D. Joseph, will present "Dodd-Frank's Corporate Governance and Executive Compensation Requirements For Public Companies: Why Planning Now For 2011 is Essential" via a live 60 minute webinar on August 18, 2010. The Calbar's description of Mr. Joseph's webinar presentation states:
"The Dodd-Frank Wall Street Reform and Consumer Protection Act or "Dodd-Frank" was enacted on July 21, 2010. Commencing in 2011, a non-binding shareholder "Say on Pay" vote to approve executive compensation may be the most profound executive pay provision in Dodd-Frank. Each public company must also ask its shareholders whether future Say on Pay votes should take place every one, two or three years (Say When on Pay). When mergers or other acquisitions are submitted to shareholders, public companies will also be required to submit golden parachutes to shareholders for approval (Say on Golden Parachutes). Other notable provisions require enhanced independence for board compensation committees and their advisers and claw backs of erroneously awarded executive compensation as well as new descriptions of pay versus performance and internal pay equity metrics. Dodd-Frank also explicitly authorized the SEC to adopt "proxy access," a procedure where shareholder submitted board nominees will be included in the company's proxy solicitation materials. Say on Pay, Say When on Pay and Say on Golden Parachutes are far from meaningless. These new corporate governance requirements will impact as many as 10,000 companies. Learn What is Required, What Isn't Clear and Pragmatic Steps to Consider Now from a corporate securities practitioner with more than three decades of experience. This webinar is appropriate for inside and outside corporate legal advisers, board members, Board and Compensation Committee Chairman, CEOs, CFOs and investor relations personnel."
The 60 minute webinar will be presented by Jonathan Joseph live online at 1:00 pm on August 18, 2010 via the CalBar's website and will be retained in the Calbar's CLE online archives ensuring that the program will be available in the future to interested persons including California lawyers seeking participatory continuing legal education credit. The archived webinar will be available after August 18 at www.calbar.org/online-cle and then clicking on "Tele-Seminars and Webinars".
Jonathan Joseph is the Managing Partner of Joseph Law Corporation. His practice is devoted largely to complex banking, corporate, mergers and acquisitions, venture capital and bank regulatory matters. Mr. Joseph is a current member of the Financial Institutions Committee of the State Bar of California's Business Law Section. He has been a frequent lecturer and writer on subjects relating to banking, financial institutions, corporate and securities law, mergers and acquisitions and venture capital. Mr. Joseph is also a member of the New York and DC Bar.
For more information contact Jonathan Joseph at firstname.lastname@example.com or 415 817 9200.
This press release is provided as a general informational service to clients and friends of Joseph Law Corporation. It should not be construed as, and does not constitute, legal advice on any specific matter, nor does this message create an attorney-client relationship. These materials may be considered Attorney Advertising in some states. Please note that prior results discussed in the material do not guarantee similar outcomes.
JOSEPH LAW NEWSBRIEF — "Say On Pay": Lessons From Keycorp's 2010 "No On Pay" Vote
By Jonathan D. Joseph*
President Obama is expected to sign the Dodd-Frank Bill in July. Upon signing, a mandatory shareholder vote requirement related to executive compensation known as "Say on Pay" will become applicable to about 10,000 public companies. During the 2010 proxy season, just over 600 public companies included "say on pay" votes in their proxy statements, but only three failed to obtain "say on pay" approval from their shareholders.
One of the three companies whose shareholders rejected executive pay practices in 2010 was Keycorp, an Ohio based regional bank holding company. At its recent annual meeting, 55 percent of the Keycorp shareholders voted against the company's executive pay practices and it became the first (and only) U.S. banking organization to have a majority of shareholders reject its compensation practices. The other two U.S. issuers that received "no on pay" votes in 2010 were Motorola and Occidental Petroleum.
Why did Keycorp become the only U.S. banking organization to generate majority opposition to its pay practices while its regional bank peer group and all of the largest U.S. banking organizations did not receive such a rebuke? Prudent senior management teams and public company directors should try to understand the answer to this question well in advance of the 2011 proxy season. Independent compensation committees and management teams that reasonably address existing "red flags" this year should have little trouble obtaining majority say on pay approvals in 2011.
Did Major Proxy Advisory Services Rebel Against Keycorp in 2010?
Published reports suggest that the large dissent appears to have been motivated by a disconnect between large CEO pay increases and KeyCorp's lagging financial performance. In deed, Keycorp posted losses of $1.34 billion and $1.47 billion for 2009 and 2008, respectively. This suggestion, while undoubtedly accurate, glosses over some critical blunders by Keycorp's compensation committee related to executive pay disclosures and 2009 compensation decisions. Numerous other banking organizations posted losses and other regional bank peers increased executive compensation in 2009 (e.g., Fifth Third Bancorp, Regions Financial and PNC Financial), but all received overwhelming "say on pay" approvals.
It is important to note that "say on pay" votes are nonbinding advisory votes and that the boards of public companies are under no fiduciary obligation to follow or consider the votes. However, shareholder rejection of executive compensation practices sends a strong message to management and directors to revisit and revise problematic pay policies since compensation committee members and other directors that don't respond adequately may be on the hot seat the following year. Additionally, unlike prior years, the Dodd-Frank Bill prohibits discretionary broker voting, also known as broker non-votes, in connection with executive compensation proposals. This will set the bar higher for say on pay votes in future years.
The 2009 base salary of KeyCorp's CEO rose to $1.6 million from $1 million, according to SEC disclosures, and the compensation committee increased his annual base salary by $2.3 million in September 2009. Overall, the CEO's pay package was reported to be worth about $5.1 million in 2009 compared to $4.5 million in 2008. His restricted stock and option awards were $3.4 million as of the date they were granted, up from $3.3 million in 2008. The CEO, who has been an employee for 37 years, also had an accumulated supplemental pension benefit totaling more than $21 million.
It isn't easy to tease out the factors that motivate shareholders to disapprove compensation practices. Increasingly, however, a number of proxy advisory services such as Institutional Shareholder Services (ISS), Glass, Lewis & Co. (Glass Lewis) and Proxy Governance, Inc. (PGI) influence the outcome of many public company proposals – including say on pay. Thus, boards and executives should be especially mindful of the proxy voting policies of the major shareholder advisory services on management say on pay proposals. Keycorp's shares are mostly held by institutional holders – recent figures indicate about 83%. Since the final no vote tally equaled 55 percent, well over half of Keycorp's institutional investors must have voted against the proposal.
It is reasonable to conclude that the major reason many of Keycorp's institutional investors dissented was because one or more of the major proxy advisory services recommended against Keycorp's say on pay proposal.
Problematic Pay Practices Trigger No on Pay Votes
The likelihood that shareholder advisory services, large institutional shareholders and other sophisticated shareholders will vote against management say on pay proposals is directly related to the level of problematic pay practices that are identified for a company. No single problematic practice or red flag will necessarily cause a significant vote shift, but when the compensation problems accumulate, the likelihood of a shareholder revolt or proxy advisory dissent recommendation increases exponentially.
Keycorp's 2010 proxy statement revealed numerous red flags including, among others, the following: (i) Keycorp did not achieve the 2009 overall profitability or credit quality performance measures that had been set by the compensation committee; (ii) in September 2009, the CEO was awarded a $2.3 million annualized base salary increase, which upped his 2009 base by over $600,000 in the fourth quarter and locked in a significant base compensation increase for the subsequent year; (iii) the CEO and three other named executive officers received "time-lapse" option grants that were significantly larger than any other option grants in recent company history and which contained no performance vesting criteria; (iv) the comp committee only considered peer group benchmarks for total pay rather than separately benchmarking each significant compensatory element; (v) the comp committee didn't freeze the company's supplemental pension plans until January 2010, allowing the CEOs accumulated retirement benefit to increase during 2009 by almost $3 million to over $21 million; (vi) the compensation committee lowered its executive stock ownership requirements from 2008 levels; and (vii) the compensation discussion and analysis (CD&A) was vague, confusing and failed to adequately offer the "why" as to many of the company's compensation decisions.
The above described pay practices, while not exhaustive, are indicative of the types of factors that can be catalysts for careful scrutiny and dissent by investors. Practices that are inconsistent with a performance-based compensation philosophy, poorly designed incentives that promote excessive risk-taking or that don't encourage long-term value creation and conflicts of interest should be frowned upon as they could contribute to a rejection of a company's executive compensation by shareholders. More than ever, compensation committees will need to take a fresh look at executive compensation with the assistance, whenever appropriate, of independent consultants and legal advisers.
Say On Pay Outcomes in 2011 Will Be Determined Based on 2010 Decisions
Compensation disclosures in the 2011 annual meeting proxy statements of all public companies will be based on compensation practices and decisions made in 2010. To achieve a successful say on pay vote in 2011, it is important for boards and management to understand that the "say on pay" proposal will be based on a resolution that asks shareholders to approve the 2010 compensation of executive officers as set forth in the proxy statement. This means that potential problematic pay practices and concerns of key shareholders (and proxy advisory services) should be identified as soon as possible so that appropriate mitigation procedures and policies can thoughtfully be implemented in advance of the next annual meeting. Companies should not underestimate the fact that broker non-votes will not be permissible in connection with executive compensation proposals commencing in 2011.
For more information contact:
Jonathan D. Joseph at 415.817.9200, ext 9 or Jonathan Cohen at 415.817.9200, ext 8.
*Jonathan D. Joseph is the founder and Chief Executive Officer of Joseph Law Corporation, San Francisco, CA. His practice is devoted largely to complex corporate, banking, securities, venture capital and bank regulatory matters. The firm also has an executive compensation, labor and employment and litigation practice. Mr. Joseph has been a frequent lecturer and writer on subjects relating to banking, financial institutions, corporate and securities law, mergers and acquisitions and venture capital. Mr. Joseph is a member of the California, New York and DC Bar.
This communication is provided as a general informational service to clients and friends of Joseph Law Corporation. It should not be construed as, and does not constitute, legal advice on any specific matter, nor does this message create an attorney-client relationship. These materials may be considered Attorney Advertising in some states. Please note that prior results discussed herein do not guarantee similar outcomes. © 2010 Joseph Law Corporation. All Rights Reserved.


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- 1/2 cup honey
- 1/3 cup butter or margarine
- 1 teaspoon vanilla
- 2 eggs
- 1/2 cup quick-cooking rolled oats
- 1/2 cup all-purpose flour
- 3/4 cup whole wheat flour
- 1 teaspoon baking powder
- 1 teaspoon ground nutmeg
- 1/2 teaspoon salt
- 1 cup mashed ripe bananas
- 1/2 cup chopped walnuts (or Mac nuts)
Cream honey and butter in large bowl with electric mixer until fluffy. Beat in vanilla. Add eggs, one at a time, beating well after each addition.
Combine dry ingredients in small bowl; add to honey mixture -alternate with bananas, blending well. Stir in nuts.
Spoon batter into greased & floured 9x5x3-inch loaf pan.
Bake in preheated 325°F oven 50 to 55 minutes or until toothpick inserted near center comes out clean. Cool in pan on wire rack 15 minutes.


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Sweet and Sour 16th birthday cake
This cake was created for a "Sweet and Sour" themed 16th birthday. To go along with the theme we used candy for many of the decorations - large lollipops on top of the cakes, sour skittles on the top tier, sour candy ropes for the stripes, sour patch kids at the base and skittles on the cake board.
This cake was inspired by the candy cane cake that we did last December


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Are UT-Austin Out-of-State (OOS) applicants at a disadvantage?
State law requires that the University of Texas at Austin must reserve 90% of it's spaces for Texas residents. In practice, about 90% of the applicant pool is Texan anyway. Each year, around 8% of admitted applicants come from other states and 2% from abroad.
Historically, the admitted student profiles based on rank and test scores for Texans and non-Texans was relatively similar, each group gaining admission at a rate of 40%.
I used to advise that the applicant pool for Texans and OOS was similar based on the applicant and admitted student numbers, but I've since revised this.
Is admission to UT-Austin more competitive if I am not from Texas?
In recent years, admission for out of state students is more competitive than for Texas residents for a few reasons.
As UT continues gaining recognition as a global leader particularly in Engineering, Business, and Computer Science, they attract more attention from students nationwide and around the world.
For Fall 2017 first-time freshman, 48% of Texans gained admission compared with 31% OOS. Only about one in every eight non-automatically admitted Texans, however, gain admission. For Fall 2019, admissions became significantly more competitive with only 32% of all applicants admitted and approximately 15% of OOS applicants getting in. We can expect with UT continuing to gain national and international prestige, receiving more applicants from Texans and non-Texnas, and with UT decreasing their class sizes slightly, that OOS admissions will increase in competition in future cycles.
The admitted student profile for OOS students looks similar to admitted Texas students who rank outside of the top 6% of their high school. The middle 50% test score range for non-automatically admitted Texas residents was 28-33 on the ACT similar to OOS admitted students, 29-33. That means 25% of these admitted students scored higher than a 33 on the ACT.
UT-Austin separates the applicant pool based on residency, so Texans are only compared with one another, OOS against each other, and international applicants against one another. These categories are further broken down into a student's first choice college or school.
It should be noted that although 90% of enrolling UT-Austin students must come from Texas, that doesn't mean each major or honors program requires a similar representation. Consequently, there is an overrepresentaiton of OOS students in highly selective majors and honors.
Why is the applicant pool for OOS students more competitive?
My theory for why OOS spaces are more competitive is that the applicant pool is self-selecting. The largest feeder states to UT are unsurprisingly some of the nation's largest: California, Florida, New York, Illinois (Chicago).
Students applying to universities nationwide tend to be high achieving and above average compared with the typical applicant from Texas who may not be applying to any private or out of state universities.
UT must also be more conservative with the number of OOS students their admit because if more show up to campus than they anticipate it could disrupt the 90/10 balance between Texans and non-Texans.
An outstanding student from a great California high school for example might apply not just to their state's flagship institutions, but also most selective private universities and other prestigious public universities like Washington, Michigan, Virginia, etc. OOS applicants also tend towards UT's most popular and well-recognized programs like Business, Engineering, Communications, and Computer Science.
OOS applicants are also more likely to come from college-educated families, resource-rich suburban or private schools, and high socioeconomic backgrounds who can afford to pay private or out of state education premiums. The average OOS applicant likely has higher test scores and better grades than the average Texas resident who come from more varied backgrounds.
If I'm OOS how should I approach my application? Should I even bother applying?
You cannot control your residency or which state you come from.
I encourage all applicants to focus only on factors that they can control. It's especially critical that OOS applicants focus on demonstrating fit for their first choice major because it is highly unlikely your second choice would be considered.
OOS applicants are not eligible for automatic admission or pathway programs like CAP and PACE. Moreover, little to any financial aid is available for OOS students. As a general rule, enrolling non-Texans are expected to pay their full cost of attendance which can exceed $50,000 annually for at least their first year.
It is possible yet difficult to establish residency after your freshman year on campus. Residency questions are outside of the scope of my expertise, but you can get started here.
The question then for many non-Texans is whether they should apply at all. If your family cannot cover most or all of your expenses, you should consider applying also to less selective Texas universities or those from other states that may be more forthcoming with financial aid and scholarships.
If UT-Austin is one of your top choices, it only costs time and $75 to apply. My advice is that you apply, complete your financial aid forms and any scholarship applications, and assess your academic and financial options during the spring of your senior year to see if UT would be a good fit and investment for your future.
Are you a non-Texan looking to build their best application? Get started today with a free consultation of your admissions chances.


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The Très Chic Upside-Down French Mani
If a tree falls in a forest and no one is around to hear it, does it make a sound?
If something as simple as Jennifer Lopez's manicure makes headlines, does that mean she's still relevant?
The answer is yes, evidently.
To be fair, it's possible that J.Lo's upside-down French manicure (also called a "reverse French manicure") isn't getting press just because it's gracing the fingers of La Lopez. It's getting attention because it looks good. Period.
And guess what, guys! With the right colors, a steady hand and some patience, this look is yours.
Upside-Down French Mani How-To
I used OPI Alpine Snow (my favorite white ever) and a color called Naked from Urban Decay's new NAKED Nail Set. This is the first color from that set I've tried, and this reverse French manicure was the perfect way to wear it. UD Naked is quite close to my skin tone, so having the sliver of white gave this look a pop of color and helped the manicure feel fresh and chic.
- I shaped my nails and buffed them.
- I painted two thin coats of OPI Alpine Snow and allowed them to dry for about 15 minutes. If the white base color is too wet, you'll mess things up and get some swirl action going on as you apply your top color.
- Next, I painted UD Naked on — by hand. The key was having just the right amount of polish at the end of the brush; not so much it's going to drip, but enough so that you see half-a-drop gathering. It's that drop that will spread evenly as you carefully press the brush to your nail, apply a little pressure, and let the bristles gently fan out so that they create a good, smooth crescent.
- Once you have the top of the crescent created, swipe the brush down toward the sides of your nails to continue the nice curve you created with the crescent. Make sure you keep consistent with the space you're leaving on each nail. Maybe a little less on your pinky, maybe a little more on your thumb.
- Apply a second coat (carefully!) of your top color, enforcing & perfecting the crescent-y curve.
- Top coat it and voila! C'est magnifique.
I had a lot of fun sporting the upside-down French and definitely plan on trying a new color combo soon. If white & nude is too safe for you, go wild! Creamy charcoal gray paired with hot pink would be awesome. What about blue on blue? The possibilities are endless; the only rule of thumb is making sure your top color can fully cover up your base color in two coats.
aurevior, Francesca
P.S. I leave you with (arguably) some of J.Lo's finest work.


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Jena, Germany, 05 December, 2017 – Mister Spex, Europe's largest online optician, is extending its successful cooperation with Intershop with the rollout of the latest Intershop Commerce Suite, across nine European webshops.
The new commerce platform allows Mister Spex to expand its dedicated multichannel strategy further and to pursue its vision of becoming Europe's favorite way and place to buy eyewear.
The Intershop Commerce Suite helps Mister Spex deliver a continued seamless customer experience across all sales channels, online and offline touch points. It has already boosted the performance of both desktop and mobile web shops, serving over 60,000 website visitors a day with faster response times. In addition, the move to the latest platform further reduces the need for regular maintenance tasks, resulting in more efficient operations and bottom line cost savings.
Axel Köhler, COO at Intershop comments, "This is the next exciting phase of our relationship with Mister Spex. Today's customers have the highest expectations when it comes to convenience and ease of shopping. With the solution in place Mister Spex's shops outperform them. We are delighted that Mister Spex continues to place their trust in our multichannel commerce platform as the engine that powers a truly compelling customer experience. We look forward to supporting Mister Spex further as they go from strength to strength."
The rollout was completed in just eight weeks.
Intershop Communications AG (founded in Germany 1992; Prime Standard: ISH2) is the leading independent provider of omni-channel commerce solutions. Intershop offers high-performance packaged software for internet sales, complemented by all necessary services. Intershop also acts as a business process outsourcing provider, covering all aspects of online retailing up to fulfillment. Around the globe more than 300 enterprise customers, including HP, BMW, Würth, and Deutsche Telekom run Intershop solutions. Intershop is headquartered in Jena, Germany, and has offices in the United States, Europe, Australia, and China. More information about Intershop can be found online at www.intershop.com.
This news release contains forward-looking statements regarding future events or the future financial and operational performance of Intershop. Actual events or performance may differ materially from those contained or implied in such forward-looking statements. Risks and uncertainties that could lead to such difference could include, among other things: Intershop's limited operating history, the unpredictability of future revenues and expenses and potential fluctuations in revenues and operating results, significant dependence on large single customer deals, consumer trends, the level of competition, seasonality, risks related to electronic security, possible governmental regulation, and general economic conditions.


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1. The Denison Dam created Lake Texoma as a reservoir. It was meant to control flooding back in 1944, during World War II. It was, at the time, the largest rolled, earth-filled dam in the United States.
2. Lake Texoma provides water for several north Texas communities! The lake has been providing water since the 1980s, and its water is taken as far south as Wylie, Allen and Frisco in Texas.
3. It's the Striper Capital of the world! Naturally-occurring mineral salts in the soil surrounding and under Lake Texoma provide just the right conditions for Striped Bass to spawn and grow naturally to 15-20 lbs at maturity.
Are you interested in Lake Texoma fishing? Contact Adventure Texoma Outdoors today!
2411 Sunset St. Denison, Tx. 75020


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How to Restore a Deleted Security Container
Articles and Tips: tip
Novell, Inc.
01 Mar 2002
If you delete the Security Container, you will not be able to create a tree certificate authority. You must either restore the NDS partition containing the Security Container, or an administrator with create rights at [ROOT] can run SASI.NLM, which will recreate it. Or you can reinstall PKI services on any server in the tree.
Note: The most effective way to recreate the Security Container object is to reinstall PKI services. This is what initially installs the object in the first place.
* Originally published in Novell AppNotes
The origin of this information may be internal or external to Novell. While Novell makes all reasonable efforts to verify this information, Novell does not make explicit or implied claims to its validity.


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These two dears were on the blog back in March, when Jake proposed up in Burlington, Vermont. Our original plan was to meet up again in Tennessee for the wedding, but these two decided to be adventurous and elope! Sadly, I was not available to document their beautiful and intimate exchanging of vows, so we decided to wait until the end of the summer to do our version of formal portraits. Thanks guys for hiking and taking a mini road trip to make these lovely portraits possible:) Enjoy and share the love.
Vintage tablecloth from Honeysuckle. https://www.etsy.com/shop/thehoneysuckleshop


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Sponsorship Opportunities
Thank you so much for considering to sponsor our annual fundraiser. Denise Louie provides a range of early education and family support services that are crucial to growing a healthy community. We hope that you can help us achieve our fundraising goal of $150,000 this year through a sponsorship. Together, we can raise funds to cover the funding gap that is not covered by federal support for the critical services we offer.
Learn More About Sponsorship Levels & Benefits
If you're not ready to sponsor us at this point, please consider buying an advertisement to be placed in our auction catalog for our 250 guests. The catalog will be displayed on our website and sent to our guests through email twice prior to the auction to reach thousands of unique readers. It is a great way to show your support and market your brand.
Learn More About Advertisements
For more information about becoming a sponsor or buying ad space, please contact Ghida Sinno at (206) 973-1810 x314 or email@example.com.
Museum of History & Industry
860 Terry Avenue North
Seattle, WA 98109
Since 1978, Denise Louie Education Center has provided high-quality multicultural early learning and family support services so that Seattle kids will be ready to succeed in school and life. DLEC provides a great early education for kids, support, and skills for new parents, as well as extra help for families in need, creating a supportive community for all. Last year, we served more than 650 low-income and immigrant children and their families through our Early Head Start home visiting, Head Start preschool and Play & Learn socialization groups.
For more information, please contact Emma Kilkelly:
(206) 973-1810 x316 or email@example.com


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15 Jul Only One Day to Go
Hi Readers, HH has been in lockdown
I never thought preparing for a 150th birthday could take so much time and energy
Remember when the "not so Grand Lady" looked like this last year?
And she looked like this as the rebuild began?
Well she looks a bit special now
Even this one is excited!
Sorry I have been a bit absent, after the birthday tomorrow I promise I will share all my news in the lead up to the big event
So if you are around these 2 Ian Skippen and Loretta Ryan will be broadcasting live from Hanworth on HH's 150th birthday tomorrow (Wednesday 16 July 2014) from 5am
Come say hello
At 7am this one, Minister for Heritage and Environmental Protection Hon Minister Andrew Powell MP will pay us a visit and check out the progress in the land of HHHow exciting – I'm excited and exhausted and I have lots to tell you in the days ahead
But for now, thank you all for your support and your wonderful wishes
Our Grand Lady is about to turn 150 tomorrow
One sleep (not that I will be getting any!) to go!
Lots of love
x HH


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(Adds details, shares)
Jan 24 (Reuters) - Premier Oil's second appraisal well in the Zama project offshore Mexico showed more potential for oil, raising hopes of a huge discovery.
Shares of Premier, which holds a 25 percent interest in the block alongside Talos Energy Inc and Sierra Oil and Gas, rose more than 4 percent in morning trading.
The company said net-to-gross ratio, which represents the volume of rock that is able to store hydrocarbons, came in at 73 percent, higher than pre-drill estimates and topped its first appraisal well's 63 percent ratio.
"This is an excellent start to the Block 7 Zama appraisal programme in Mexico. It enhances our interpretation of the large Zama discovery and increases our confidence in our resource estimates," Chief Executive Tony Durrant said.
Premier said the reservoir quality was similar to that at Zama-1 and in line with expectations.
BMO Capital Markets analyst David Round said the result was positive and that he expects this to "improve confidence around higher Zama volumes estimates."
However, the company said it did not hit oil in a deeper exploration prospect called Marte.
Premier said it will now drill a secondary wellbore away from the original hole of the Zama-2 appraisal well, which was deepened to evaluate the high-risk Marte exploration prospect.
Talos Energy said on Wednesday that the initial phase of the appraisal program was completed about 28 days ahead of schedule and 25 percent below initially projected costs. (Reporting by Arathy S Nair in Bengaluru Editing by Saumyadeb Chakrabarty and Anil D'Silva)


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When: Wed., Sept. 12, 7-8:30 p.m. 2018
Join Mark Nagel of the Treasure Valley Beekeepers Club for a talk about what it takes to be a beekeeper. Nagel will share the "tools of the trade" and answer your questions about bees to help you determine if it's an endeavor you want to undertake.
Price: FREE