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Consumer Protection Laws
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Your Legal Matter
- What is consumer protection law?
- Is there any specific Act or Rule for consumer protection in India?
- How can one file a consumer complaint in India?
- Where to file a consumer protection case?
- What are the rights of a consumer?
- What is purpose of consumer protection act?
Consumer protection laws aim at the protection of the interests and rights of consumers. These laws aim at changing the mentality of the market from "Caveat Emptor" (let the buyer beware) to "Caveat Venditor" (let the seller beware). In India, there is a statue called 'The Consumer Protection Act, 1986' which aims at safeguarding the rights and best interest of consumers.
The Consumer Protection Act, 1986 (COPRA):
This act focuses at advocating competition policy, prohibiting against abusing of a dominant position, prohibiting agreements which can be of an anti-competitive nature.
The intent behind this law is to solve the obstacles in promotion of competition amongst businesses operating under the Indian law. The COPRA is one of the Social Welfare Legislations.
This Act is applicable to all the goods and services until and unless it is specifically exempted by the Central Government. COPRA covers private, public & co-operative sectors, with its provisions having a compensatory nature. The provisions of this Act are powerful as they provide with simple & speedy processes for the solving of disputes. This Act provides for the application of Consumer Protection Councils ate various levels.
Appeal Process/Dispute Redressal Mechanism as per this Act:
There are three levels of adjudicatory authorities under this Act; they are the National, State, & District Level, which are known as National Commission, State Commissions, and District Forum.
District Forum is composed of President and two members with graduation being the minimum educational qualification. State Commission is presided over by a Retired High Court Judge, and the National Commission is presided over by the retired Supreme Court Judge.
Pecuniary Jurisdiction of District Forum – matters upto Rs. 20 lakhs
Pecuniary jurisdiction of State Commission – matters upto Rs. 1 Crore
Pecuniary Jurisdiction of National Commission – matters above Rs. 1 Crore.
Proceedings before these adjudicatory bodies are dealt with in compatibility with the principles of Natural Justice.
How to file a Consumer Complaint in India:
- Making of a complaint petition – this petition would include all the particulars of a case, for example, the precise complaint, arranging of the facts proofs and so on in an arranged manner.
- Selecting the correct Consumer Court - while choosing the correct forum, the pecuniary jurisdiction (the extent of the value of suits which may be allowed) must be taken into consideration. Also the local jurisdiction of the various district forums must be given importance, for example in cases filed at district forums, one of the grounds for choosing the court can be the place where cause of action arises.
- Submitting a mandatory statutory fee – the amount instructed by the concerned forum has to be deposited.
- Filling in for Revisions & Appeals – as per the provisions of the COPRA, an appeal or a revision petition is available.
Section 15 of COPRA says that a person may appeal to the State Commission, within 30 days from the date of order, but would have to submit Rs. 25,000 or 50% of the awarded amount with the criteria of choosing being the lesser amount of the two amounts.
Section 19 of COPRA says that a person may appeal, against the result of the State Commission, within 30 days from the date of order, but would have to submit Rs. 35,000 or 50% of the awarded amount with the criteria of choosing being the lesser amount of the two amounts.
Section 23 of COPRA says that a person may appeal, against the result of the National Commission, within 30 days from the date of order, but would have to submit Rs. 50,000 or 50% of the awarded amount with the criteria of choosing being the lesser amount of the two amounts.
*Forums & Supreme Court may allow the appeal after the period of 30 days if they seem to find reasonable causes for the delay.
- Ravneet Singh Bagga v. KLM Royal Dutch Airlines and another (2000) – Supreme Court observed that the "deficiency in service cannot be alleged without attributing fault, imperfection, shortcoming or inadequacy in the quality, nature and manner of performance which is required to be performed by a person in pursuance of a contract or otherwise in relation to any service. The burden of proving the deficiency in service is upon the person who alleges it.
- HDFC Bank Limited v. Balwinder Singh – The issue was of the bank, or its credit recuperation specialist, utilizing musclemen to take coercive repossession of the hypothecated vehicle and accordingly making physical badgering and mental injury to the complainant. The District Forum permitted the complaint and guided the bank to pay of Rs. 4 lakh for repossessing the vehicle in this way and exchanging it to an outsider. The State Commission affirmed the request in claim. Adjudicating the bank's revision petition, the National Commission communicated stun that the bank had employed musclemen specifically or through its recuperation specialists(recovery agent) to recoup the advance/repossess the vehicle. The Commission additionally alluded to the State Commission's request, which had observed that the alleged letter delivered by the bank implying to the complainant deliberately giving over ownership of the vehicle was untrustworthy and that no notice was given to the complainant at the phases of repossession and offer of vehicle. In rejecting the request, the Commission depended upon its judgment in Citicorp Maruti Finance Limited v S. Vijayalaxmi [III (2007) CPJ 161 (NC)] where it had unequivocally deplored such practices. The Commission expelled the appeal to and granted Rs. 25,000 as exemplary costs.
- Sehgal School of Competition v. Dalbir Singh – Complainant requested for refund on grounds of poor standards from the coaching school at completion of one year (it was a 2 year course). District Forum allowed it, eventually the other party filed a revision petition claiming that the provisions of the contract provide for the condition of unavailability of refunds. Commission eventually held that such a provision is heavily biased towards one side and should not be allowed. Nipun Nagar v. Symbiosis Institute of International Business observed that the collection of fees for the total period of a course is unjust.
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(Updates with President Obama comment.)
Republican Rep. Peter King of New York on Wednesday threatened to defect from his party after the House adjourned without voting on a relief bill for Hurricane Sandy-hit areas.
"As far as I'm concerned, I'm on my own," King said. "They're going to have to go a long way to get my vote on anything," said the 20-year congressional veteran about House Republican leaders.
Lawmakers from New York and New Jersey were trying to arrange a Tuesday-night vote on a $60 billion aid package that was previously passed in the Senate. But House leaders changed their mind, meaning the package will likely die when the 112th Congress ends on Thursday, Politico reported.
President Barack Obama urged the House to vote on the bill on Wednesday. "When tragedy strikes, Americans come together to support those in need. I urge Republicans in the House of Representatives to do the same, bring this important request to a vote today, and pass it without delay for our fellow Americans," he said in a statement.
Perhaps more damning than King's bucking of Republican leaders was his urging New Yorkers and New Jerseyans to stop giving money to the GOP.
"I'm saying right now, anyone from New York or New Jersey who contributes one penny to congressional Republicans is out of their minds," King said. Because what they did last night was put a knife in the back of New Yorkers and New Jerseyans. It was an absolute disgrace."
An aide for House Speaker John Boehner said the Ohio Republican is committed to passing a Sandy-aid bill this month. The outrage, meanwhile, was bipartisan.
"It's time to take the gloves off, Jersey style," said Rep. Bill Pascrell, a Democrat who represents the Garden State's eighth district.
— Robert Schroeder
Follow Political Watch on Twitter @MKTWPolitics
Follow Rob on Twitter @mktwrobs

subset: commoncrawl


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Through knowledge transfer, Oracle UPK drives user productivity and mitigates risk through all phases of the project lifecycle. UPK provides a simple and comprehensive content development, deployment, and maintenance platform specifically designed for project team members and line of business owners. With UPK, the project team will dramatically reduce the time to deployment and ensure end user adoption - the single biggest barrier to enterprise application success. Supporting applications from Oracle, SAP, and Microsoft as well as all other enterprise applications, Oracle UPK will help organizations achieve the highest return on their enterprise application investment.
Oracle UPK provides a collaborative development environment to create system related assets which are used throughout the project lifecycle. With the ability to produce multiple outputs through a single recording session, Oracle UPK reduces content development time and cost. Rapidly produce materials for all phases of the software lifecycle – from test scripts, system process documents, and interactive simulations, to job aids, instructor manuals, and in-application performance support. Oracle UPK is the key to capturing knowledge, increasing productivity and reducing overall software implementation costs.
Maximize ROI and Mitigate Risk—Fast recovery of upfront investment through accelerated user adoption.
Drive user adoption and productivity—Capture and disseminate critical organizational process knowledge with multiple learning methods and just-in-time performance support.
Streamline Implementation—Pre-built model business process documents and pre-built content for Oracle applications speed time to deployment.
Implementing new enterprise applications or upgrading to new releases
Documenting business practices for various compliance initiatives
Consolidating systems due to merger or acquisition
Capturing organizational knowledge and ensuring workforce effectiveness
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L'Oreal receives warning letter from FDA over claims on anti-aging products
(CBS News) The Food and Drug Administration (FDA) has issued a warning letter to L'Oreal over anti-aging claims on some of their Lancome cream products.
In particular, the FDA is alleging because the products say they "are intended to affect the structure or any function of the human body" it makes them drugs under the Federal Food, Drug and Cosmetic Act. Drugs cannot be marketed in the U.S. without approval from the FDA unless they go through the new drug approval process in which they must be vetted by approved experts.
Some of the products that raised a red flag include but are not limited to Genifique Youth Activating Concentrate, Genifique Eye Youth Activating Eye Concentrate, Genifique Cream Serum Youth Activating Cream Serum, Genifique Repair Youth Activating Night Cream, Absolue Precious Cells Advanced Regenerating and Reconstructing Cream SPF 15 Sunscreen, Absolue Eye Precious Cells Advanced Regenerating and Reconstructing Eye Cream, Absolue Night Precious Cells Advanced Regenerating and Reconstructing Night Cream and Renergie Microlift Eye R.A.R.E. Intense Repositioning Eye Lifter. The products claimed to "boost the activity of genes," "improve the condition of stem cells," and/or "stimulate cell regeneration."
The Genifique, Absolue and Renergie lines retail on the Lancome site for $60 to $350.
"We are aware of FDA's letter to Lancome and will respond to their regulatory concerns in a timely manner," Rebecca Caruso, a L'Oreal spokeswoman, said to the Wall Street Journal. "Lancome is committed to complying fully with all laws and regulatory standards."
According to Bloomberg Businessweek, L'Oreal isn't the first company that has received a notice like this. The FDA has been actively approaching companies who make beauty treatments that contain some pharmaceutical components. A warning letter was also recently sent to Greek Island Labs, which makes an alleged alternative to Botox called Athena 7 Minute Life.


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Utah is well-known for its red rocks, snow capped mountains, and iconic scenery. In most areas of the state, visitors will also find a few little-known, little-visited areas that are often as interesting as any other. Northern Utah is no exception.
In the Golden Spike National Historic Site (32 miles west of Brigham City via. Utah Hwy 83), visitors will see where the Union And Central Pacific Railroads joined their rails to complete a transcontinental rail system. One of the park tours includes a drive along the East Grade the Union Pacific built with 4 trestles and 4 fills to allow for rail construction. In an otherwise featureless landscape stands a unique formation. The 20 foot limestone Chinese Arch is named in honor of the Chinese railroad workers who were so important to the construction of the rail system.
When visiting Golden Spike NHS, a more modern, but no less unique place to visit is the Spiral Jetty. The Jetty is reached by traveling about 15.5 miles southwest of Golden Spike on dirt roads. The Spiral Jetty is an "earthwork" by American sculptor Robert Smithson in 1970. Built of mud, precipitated salt crystals, and basalt rocks, the spiral is 1500 feet long and 15 feet wide. The structure is not always visible if lake levels are high.
In a very remote region of north western Utah lie the Sun Tunnels. utah.com explains:
"Nancy Holt, an artist exploring the human perception of time and space, earth and sky, built the Sun Tunnels as a unique art project completed in 1976. The four tunnels are concrete tubes laid out in an X shape, each drilled with holes to pattern the constellations of Draco, Perseus, Columbia, and Capricorn. They are massive – nine feet high by 18 feet long. They sit in a remote valley in the Great Basin Desert, west of the Bonneville Salt Flats."
Located near the Utah/Nevada line about 45 miles north of Wendover. The road is paved for the first few miles then turns to gravel, then dirt. The Great Basin desert is uniquely beautiful in this area, with rolling hills and distant mountains, and cattle grazing in open rangeland. Plan your visit so you can see both sunrise and sunset, or visit during a solstice, when you will probably find other visitors.
Photos are provided by Alan Smith of Box Elder County Tourism
Thought the Bed and Breakfast Inns of Utah has no member inns in the immediate area of these sights, guests often use a Salt Lake City inn as a base for these adventures. Also close are inns in Providence (Logan), Eden and Huntsville. The innkeepers are a great source of information about any of these, or other "out of the way" places to visit.


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Preliminary Steps
DNS must be configured properly. You should be able to ping "mydomain.xx" from the CLI and the host name must resolve. Generally speaking, entries in /etc/hosts are not sufficient. You should be able to use whatever DNS server the Windows computers on the network use.
While entries in /etc/resolv.conf will allow you to temporarily adjust DNS settings, these setting will typically be overwritten if you're using DHCP to obtain an IP. You must make an entry for the interface in the /etc/network/interfaces file. It is also helpful to add the dns-search parameter as well. E.G.:
auto eth0 iface eth0 inet static address 192.168.1.3 netmask 255.255.255.0 gateway 192.168.1.1 dns-nameservers 192.168.1.2 dns-search mydomain.xx
The above example will set a static IP of 192.168.1.3 for the Linux host, and assumes that our Active Directory DNS server is 192.168.1.2. Obviously, you must edit these settings to fit your environment. The DNS server does not have to be an Active Directory DNS server, but it must be able to resolve the domain names and host names. For instance, if your Linux host is on a private subnet, you might put in the gateway's IP address, as the gateway will forward the packets upstream to an actual DNS server.
A reboot after adjusting network settings on Ubuntu is recommended.
Additionally, you will need either a Domain Admin or other Active Directory user that has access to add machines to an OU.
Install Required Packages
First, run apt-get update
This will ensure that you have the current package listings from the repository.
Next, install the following packages using apt-get install <package> : samba, winbind, krb5-user, libpam-winbind
You may receive an error while attempting to install one or more of these packages and the installation will refuse to proceed. I have only observed on existing servers, not on a clean install of 12.04LTS. If this is the case, you may install the packages using aptitude install <package> . At first the install will fail and it will prompt you to leave the packages uninstalled. Type "N". The next message will ask you to downgrade a handful of packages to allow install. Type "Y". This downgrade does not appear to affect the operation of your software and allows the necessary packages to be installed.
Editing Config Files
Add the following changes to /etc/samba/smb.conf in the [global] section.
workgroup = MYDOMAIN
password server = dc1.mydomian.xx dc2.mydomain.xx
realm = MYDOMAIN.XX
security = ads
idmap uid = 16777216-33554431
idmap gid = 16777216-33554431
template shell = /sbin/nologin
winbind use default domain = true
winbind offline logon = false
winbind enum users = yes
winbind enum groups = yes
client ntlmv2 auth = yes
client use spnego principal = no
Let's talk about some of the important settings.
workgroup is the name of the domain without the top level domain. If the domain is a tertiary domain, such as MY.DOMAIN.XX, then the workgroup would be MY
realm is the name of the Kerberos Realm for the domain. This should be in all CAPS and contain the entire domain name. Example: MY.DOMAIN.XX or MYDOMAIN.XX
security is the setting that tells Samba to use Winbind.
Idmap uid/gid can be any valid range of numbers. Generally speaking, these number should be above 100k.
template shell is the setting which controls what shells active directory users will have when they try to log in via console of ssh. /sbin/nologin will allow the users to access Samba shares, but otherwise not have permissions on the Linux system.
winbind use default domain is the setting which tells Samba to use only usernames for lookups. If this is set to false, you would have to address AD accounts as email@example.com or mydomain\myuser.
client ntlmv2 auth enables Winbind and Samba to communicate using ntlmv2. If you do not set this to yes, you won't be able to join the domain.
Join the Active Directory Domain
Now that winbind is installed and Samba's config file has been update, we should restart the smbd and winbind services. service smbd restart && service winbind restart
Next, let's generate a Kerberos ticket for our AD user. kinit myadmin
You will be prompted for a password as follows: Password for firstname.lastname@example.com:
After entering the password, the command should complete with no output or errors.
Now that we have verified Kerberos is working by requesting a ticket, we can join the server to the domain using the net command as follows: net ads join –U myadmin
At the prompt, enter your password. You should see "Joined <Server Name> to realm 'MYDOMAIN.XX'. You will likely also see "No DNS domain configured for <servername>. Unable to perform DNS Update. DNS update failed!" This is normal, and it just means that the DNS server was not updated with your ubuntu's server A record. That will have to be created manually by the DNS administrator, if desired (but not required for AD integration).
If our join was successful, we need to update a couple more things: nss and pam. Edit /etc/nsswitch.conf to enable winbind for passwd, group, and shadow services:
passwd: compat winbind
group: compat winbind
shadow: compat winbind
Now, we should be able to update our PAM configs automatically by running pam-auth-update This will open up a TUI screen (text user interface) and you can select Winbind NT/AD if not already selected and press OK. This should update the requisite PAM files to enable winbind integration with PAM.
To check to make sure that everything is running as expected, run the command getent passwd myadmin and you should see an entry similar to one in /etc/passwd


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Oracle 12c
Oracle's newest database (version 12c) has many new features, the discussion of which are too big for a single blog article (or even a series of blogs). The substantial high-level bulleted list of new features is in the 12c New Features Manual . But the concepts and low level SQL language details show a much larger change then you might perceive.
Multitenant Database
The new paradigm shift, Multitenant Databases, will stop DBAs pretty quick, particularly in Windows where the installer creates a Container DB. Previous to 12c, all databases were Non-Container DBs. With 12c you can create a Non-Container DB or a Container DB. The Container DB can have zero, one, or more Pluggable DBs within. A Non-Container DB can never have a Pluggable DB. So that becomes an upfront database creation decision.
You can and you should read the Oracle Intro to Multitenant Databases .
I first relaized the Oracle Installer had created a container database for me when I went through the normal process of creating a database user using the same old techniques I always did and received an Oracle Error: ORA-65096. WHAM, I slammed right into the new paradigm without me even knowing it existed. The error description and the necessary action introduced to another part of the Multitenant Database paradigm: Comon User vs. Local User. That quickly led to Containers. Of course, with any new features, comes an array of new database schema tables like, v$pdbs for example. You will also probably use a new Sql*Plus command a LOT: SHOW CON_NAME to know what container (root or pluggable database) you are connected to. Some DBA commands must be done in the root container (CDB$ROOT). Your pluggable databases (in Windows) will be by default: PDB$SEED and PDBORCL. Every container database has precisely one seed pluggable database from which all pluggable databases are created from.
This paradigm shift will be seriously disorienting feeling to long time DBAs, especially if were not aware this was coming. Fortunately, there are many DBA bloggers out there sharing their 12c experiences. They were a help for me to gather the necessary jargon. But it was not until I discovered that Oracle had created a tutorial on Multitenant Databases and I had spent an hour or two playing with the tutorial on my newly created sandbox database (on Windows) which was by default a Container DB. This tutorial is an excellent way to jump start your understanding of the new paradigm.
By the way, I think either the default should be a NON-CONTAINER DB (so you are backwards compatible) or the Oracle Intsaller needs to make it clear that a CONTAINER DB will require new DBA processes (i.e. a learning curve) and give you an OVERT option to create a NON-CONTAINER DB for backwards compatibility.
Read the Oracle Introduction to Multitenant Databases to understand the concepts. Then immediately work your way through the tutorial in a test database that is a Container DB. Ultimately, I think Container DBs are the way to go. I think this is what you want to do to implement a CLOUD or in a Virtualized Environment.


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Wambulance needed a new logo design and created a contest on 99designs.
A winner was selected from 96 designs submitted by 26 freelance designers.
We are a small startup company working on creating a social networking site for MMORPG (massive multi-player online role playing game) players, specifically targeted at guilds (organizations/groups within the games). The idea behind the site is inspired our love of the Facebook concept and guild management tools.
Our target audience is people in mid-teens to early-thirties. People who love video games, specifically online role playing games and play them in big groups (guilds).
We need a simplistic logo that can brand us forever in the minds of people whom see it. We want the logo to be something that can be stamped on almost anything, and we would really prefer if the logo was something that we could even take a small part of it and stamp it on as an Application ICON.
Find out how a design contest works or learn more about our logo design services.


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Iles Flottantes
with Lime & Jasmine Blossom Crème Anglaise & Rose Meringue
will serve 4
for the Crème Anglaise:
3 egg yolks
1/2 cup of sugar
2 cups of milk
2 lime leaves
grated zest of 1 small lime
grated zest of 1 small lime
a handful of lime blossoms
a handful of jasmine blossoms
1 vanilla bean split in two
In a saucepan, bring the milk to a boil with the vanilla bean, grated lime zest, lime leaves, lime and jasmine blossoms.
In a bowl, beat the egg yolks with the sugar until pale yellow and doubled in volume.
Just before the milk reaches the boiling point, remove it from the heat, cool it for one minute and gently pour it on the egg yolks while whisking them.
Return the milk and eggs to the pan, cook over medium heat while stirring continously.
Do not let the custard reach the boiling point. As soon as the custard coats the back of the spoon, remove from the heat and pour it in a cold bowl, whisk it until cooler. Place the custard in the fridge with a plastic film on top.
For the Meringue:
3 egg whites
2 Tsp of sugar
1 pinch of salt
1 tsp rose blossom water
In a perfectly clean bowl, beat the egg whites with the sugar, salt and rose water until they stiff and shiny.
Spoon on a lightly buttered baking sheet dollops of meringue. Cook at 100C
for 45 minutes, do not let them color too much, remove from the oven and let them cool.
Prepare the Iles Flottantes: pour the custard in a large bowl and float the meringues on top.
For the Caramel:
1/2 cup of sugar
2 Tsp water
In a heavy saucepan, heat the sugar with the water until it forms a syrup.
Let it bubble until it starts coloring, tilt the pan until the color is uniform but do not use a spoon otherwise the sugar will crystallize. Do this until a nice light mahogany color is reached.
Drizzle the caramel on top ot the meringues and serve.
Pain Brioché
makes one loaf or 10 small buns
4 cups of flour
1Tbs of dry yeast
3 tbs of sugar
2 tsp of sea salt
3 large eggs
175grs (6oz) of unsalted butter
1 1/2 cup of milk
Place the flour, the sugar, the salt and the yeast in a large bowl. Mix together.
Melt the butter with the milk in a pan on low heat. When melted, remove from the heat and cool to barely warm.
Add the eggs and the milk/butter to the flour, mix, then start to knead (it will be sticky), add a little flour if you need to. Continue to knead for 10 minutes. When the dough is satiny and feel springy, place in a buttered bowl and let rise for 2 hours in a warm place. After that time, it should be doubled its size. Punch it down and let rise another 2 hours (if you made the dough in the afternoon, let it rise in a cool place overnight).
Shape it in a loaf or in a braid or make buns.
Let the dough rise 20 minutes after you shape it.
Cook in a preheated oven 200C or 350F for 40 minutes for the loaves and 20 minutes for the buns until golden.


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When celebrating Human Rights Day as a global community, we are reminded of efforts taking place to advance the human rights of lesbian, gay, bisexual, and transgender (LGBT) persons all around the world. Through the work of passionate and committed leaders, and support from both the public and private sectors, we are starting to see more barriers to equality broken down and a new era of acceptance slowly emerging.
Here at the State Department, protecting basic human rights serves as a one of our core diplomatic priorities, and Secretary Kerry, a long-time advocate for LGBT rights, has been committed to strengthening existing efforts. Through the Global Equality Fund, a unique partnership effort led by the U.S. Department of State, bridging government, companies, and civil society organizations, we are supporting civil society's efforts to advance the human rights of LGBT persons with the shared objective of creating an environment in which LGBT persons can live freely and without discrimination.
Since its launch in December 2011, the Fund has allocated over $7.5 million to civil society in over 50 countries worldwide, to help support efforts that challenge discriminatory legislation, build organizational capacity and document human rights abuses that target LGBT persons. The Fund has provided capacity building and technical assistance around the world to local and national civil society organizations, and its rapid response mechanism, Dignity for All, even provides emergency and preventative assistance to civil society organizations and activists to enhance their ability to respond to security concerns, assist victims of abuse and implement advocacy initiatives.
The State Department continues to expand its support of initiatives to protect and advance human rights across the world through the Global Equality Fund. We are proud to collaborate with public and private sector partners such as the U.S. Agency for International Development (USAID), the governments of Denmark, Finland, France, Germany, Iceland, The Netherlands, Norway, and Sweden, the John D. Evans Foundation, the Arcus Foundation, the LLH: the Norwegian LGBT Organization, the M.A.C. AIDS Fund, and most recently Deloitte, LLP, in support of such an important global mission to advance LGBT rights as human rights.
We've made great progress through these efforts, and as we celebrate Human Rights Day, we look to build on this success and hope others will join us in our work to ensure basic human dignity for all.
About the Author: Andrew O'Brien serves as Special Representative for Global Partnerships at the U.S. Department of State.
Follow the Secretary's Global Partnerships Office on Twitter at @GPIAtState.
Related Content:
- Media Note: The State Department Welcomes New Private Sector Support for the Global Equality Fund
- Global Equality Fund: About the Fund | Support the Fund | Apply for Support


text:
miser needed a new logo design and created a contest on 99designs.
A winner was selected from 67 designs submitted by 21 freelance designers.
Logo for Energy convservation consultant
Penticton Energy Miser
I preform energy audits and make recommendations on improvments to residential property owers. I also sell energy conserving products. I would like a logo that conveys the misers identiy.
- Item 1..including Green would be good
- Item 1...
Find out how a design contest works or learn more about our logo design services.


text:
Diamond Solitaire ring 1ct Emerald cut: Platinum : Q
- Available to order
We like to have each Diamond ring manufactured to order in the correct finger size and the correct precious metal. This ensures your ring will be new and personal to you. Due to the manufacturing and hallmarking process please allow 2 to 3 weeks for delivery.
This beautiful 1.00ct Emerald cut Diamond is in a claw setting. This mount will also sit perfectly with a wedding ring. All our diamonds in this range are a minimum of H Colour and Si1 clarity but if you would like us to quote with a different quality diamond please get in touch.
We do have sample rings made up which we are happy to send out when you place an order this will give you the opportunity to make sure you are happy with the dimensions of the ring before we manufacture the real thing!


text: So been working on a paper foundation string quilt and have been sewing the rows together as I go along. I have just been using the regular pressure foot on my brother sq9050 up until a couple of days ago. Well I decided to try the 1/4 foot and I realized I am much more accurate with the 1/4 foot. I have 100 blocks sewn together into rows and about 100 left to go, my dilemma is do I just put the regular foot back on and do them all with that even though it is not as accurate, or tear out all the stitches and start over? What would you do?


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|Westwood, Mass.
|High School:
|Previous Team:
|Connecticut Stars
2010-11 (Junior): Finalist for Hockey Humanitarian Award ... Led team in goals (10).
2009-10 (Sophomore): ECAC Hockey All-Academic … Earned Yale's Bulldog Award for team spirit … Second on team in goals (9) and points (17) … Tied for third on team in assists (8).
2008-09 (Freshman): ECAC Hockey All-Academic … Tied for third on team in goals (7) … Fourth on team in assists (9) and points (16) … Incurred just four penalties all season.
USA Hockey: Attended USA Hockey's Open Olympic Tryouts in summer of 2009.
Before Yale: Played for the Connecticut Stars for four years, earning two bronze medals and one silver at Nationals ... Also played at Hotchkiss ... Was Hotchkiss team captain and made the All-New England Division I team in 2007-08 ... Was All-Founder's League the two previous years ... Also captained the Hotchkiss field hockey team, and was on lacrosse, softball and track teams ... Father, George, played hockey for Harvard and is seventh on the Crimson's career scoring list (66 goals, 95 assists) … Uncle, Jack, played for Harvard and the NHL's Colorado Rockies ... Mother, Allison, played for BU ... Older brother, George, plays at St. Lawrence... Younger brother, Gunnar, will play at St. Lawrence.
Off the Ice: Member of Berkeley College … American studies major … Coaches Yale Youth Hockey team … Organized bone marrow donor drive and "Goals for Mandi" fundraiser for teammate Mandi Schwartz in her battle with cancer at the Chowder Cup tournament in the summer of 2010 … Event raised more than $5,800 … Also organized the Nov. 12, 2010 "White Out for Mandi" fundraiser at Ingalls Rink, raising more than $15,500 … Serves as Yale women's ice hockey team's representative for Yale Athletic Department's Thomas W. Ford '42 Community Outreach Program … Takes part in Yale Athletics' Kiphuth Leadership Academy ... Member of Athletes in Action, a group of Christian athletes that meets weekly and performs community service initiatives.


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By Julie Edgar
WebMD Health News
Reviewed by Lisa Zamosky
Sept. 25, 2013 -- The nation's largest drugstore chains are jumping at the chance to teach people about the Affordable Care Act (also known as Obamacare) -- and to reap potentially huge profits -- as enrollment in health insurance plans looms for millions of uninsured Americans.
Latest MedicineNet News
Rite Aid announced earlier this month that it will station independent, licensed insurance agents in nearly 2,000 of its 4,600 stores to help uninsured customers sign up for a health insurance plan. The agents and Rite Aid will receive a commission from insurance companies, says Rite Aid spokeswoman Ashley Flower.
Starting Oct. 1, the agents will work one-on-one with customers to help them make insurance choices, Flower says in a news release. They will be available through March 31, 2014, when the initial 6-month enrollment period ends.
On its web site, Walgreens is also offering customers a chance to contact licensed insurance advisors to discuss health insurance plans, including those sold through the new state Marketplaces. The advisors are contracted by GoHealth, an online portal for health insurance coverage.
Walgreens also has partnered with Blue Cross Blue Shield Association to offer brochures and other information in its 8,000 stores. The alliance with BCBSA is not intended to feed new customers into the Blue Cross Blue Shield system, says Walgreens spokesman Jim Cohn. He didn't comment on the availability of licensed insurance advisors through the Walgreens web site.
CVS is taking a lower-key approach. Like Rite Aid and Walgreens, it is offering Affordable Care Act information in its 7,500 stores and 650 MinuteClinics; it has launched an informational web site as well. CVS also plans to have health insurance experts answer customer questions in various stores nationwide in October and November.
Pharmacy Chains and Feds Team Up
Oct. 1 marks the beginning of a 6-month period when some 7 million uninsured Americans are expected to buy a health insurance plan. Pharmacies have emerged as partners of the federal government in helping customers cut through the confusion of the Affordable Care Act.
Their efforts have been lauded by U.S. Health and Human Services Secretary Kathleen Sebelius, who has accompanied company CEOs to launch the initiatives. "Families look to their pharmacy for honest, straightforward advice they can trust," she said during a news conference at a New Jersey Rite Aid on Sept. 9. "Americans trust their pharmacist."
Indeed, a CVS Caremark survey found that 68% of uninsured people (of more than 1,000 respondents) say retail pharmacies will be a primary source of information about health care reform.
Chris Krese, of the National Association of Chain Drug Stores, says the motive of these companies isn't to capitalize on new health care benefits, but to fulfill their "brand identity" as neighborhood pharmacies. In 2006, when the Medicare drug benefit (Part D) went into effect, pharmacies provided customers with materials to help them understand the program, he points out.
"What you're seeing is a very proactive and organized effort to make sure questions can be addressed in very efficient ways -- information, insurance agents -- it just makes good sense," he says.
SOURCES: News releases, Rite Aid. Walgreens: "Get Informed, Get Insured." News releases, CVS. Congressional Budget Office. U.S. Department of Health and Human Services. Chris Krese, senior vice president of marketing, communications, and media relations, National Association of Chain Drug Stores. Ashley Flower, spokeswoman, Rite Aid Corporation. Jim Cohn, spokesman, Walgreens.
©2013 WebMD, LLC. All Rights Reserved.


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ADDISON COUNTY — Will Stevens — a state representative and co-proprietor, with his wife Judy, of Golden Russet Farm — stands in the kitchen of his Shoreham farmhouse, talking to a customer on his landline wall phone. He confirms the produce pick-up schedule, then stops mid-sentence, frowning.
"Hello?" he says, then hangs up with a resigned shrug.
FERRISBURGH — After more than a decade of planning and effort and a few setbacks along the way, the 13-year-old dreams for Ferrisburgh's Rokeby Museum to become a major Underground Railroad history site and dramatically expand its ability to handle visitors is a giant step closer to reality.
Brandon general contractor Naylor & Breen Builders recently finished a two-story, roughly $1.5 million visitor center on the Route 7 site that will go by the name the Rokeby Museum Underground Railroad Education Center.
MIDDLEBURY — Peter Padua hadn't thought much about testing his artistic abilities until he was a senior in high school in New Jersey. It was 1941, the same year as the Japanese attack on Pearl Harbor, and Padua — who enjoyed his wood shop class — thought he would try his hand at his first carving: A mountain deer, her head craned way back as if staring at the stars.
MIDDLEBURY — Carol Peddie was closing in on her 50th birthday in 2009 and decided it was time to make some changes in her life. One of the biggest changes was in how she would define the word "vacation." To Peddie, a vacation now means traveling throughout the world improving the lives of strangers less fortunate than she.
MIDDLEBURY — Terri Arnold, 55, had been looking for a new adventure, and now she's about to relocate cross-country to Middlebury to live it.
The Middlebury selectboard last week appointed Arnold as the town's new director of parks and recreation. She currently lives in Langley, Washington, where she serves as director of South Whidbey Parks and Recreation District on Whidbey Island.
BRANDON — The Brandon selectboard has approved a $53,700 loan that will help create incubator space for start-up businesses and expand a local fiber mill's operations.
BRISTOL — At their Monday, Nov. 19 meeting, Bristol selectboard members approved the Bristol Energy Committee's recommendation to convert the town's leased streetlights from metal halide to the more energy efficient light emitting diode (LED) lights.
An assessment by the energy committee had determined that the conversion to the more efficiently powered lighting would save the town $7,190 per year on its electric bills and take 18,000 kilowatt hours of energy off of the electric grid — all at no cost to the town.
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ADDISON COUNTY — This fall's local high school girls' soccer season proved to be productive for several scorers, and the one who enjoyed the best all-around season against the toughest competition was Mount Abraham senior Evy Jacobs, the 2012 Addison Independent Girls' Soccer Player of the Year.
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A new challenge will be listed each Saturday which should be completed by the following Friday. This week's challenge:
Week #2 – Winter MemoriesWhat was winter like where and when you grew up? Describe not only the climate, but how the season influenced your activities, food choices, etc.
I'm not sure I have many winter memories as such. I am a "summer" person, and I suspect I block winters out as I dislike them so much! Give me trips to the beach over ski trips anytime!
I remember being miserably cold in Gosport, England, when I was about eight. It was a snowy winter, and I had not long been there from New Zealand.
The school I went to, "Peel Common," wouldn't allow pupils to stay indoors during break times. I remember being discovered hiding under a desk at lunchtime, and getting kicked outside into a snow covered playground.
I was gloved up, scarved, with a thick winter coat and hat. But still freezing. I remember sneaking into the bathroom to run my hands under the hot tap (wrong thing to do, I was told later – but nice at the time!).
When I got to about 10, we lived a more settled life, as Dad was stationed on shore in New Zealand, pretty much from the mid-1970s on.
Winters growing up in Wellington, were mainly cold, wet and windy. Different type of cold: the type of damp cold that gets into the bones.
Nice memories from then though, were going to Petone Beach and collecting driftwood for our open fire. Dad, myself, and my siblings would make quite an outing of it, and I remember enjoying the peacefulness of beach-combing.
I loved our open fire, not so much for the physical warmth it radiated (although I do like being warm), but also the visual warmth it gave you when snuggled up in front of the telly.
I was gutted when the fireplace came out to make room for necessary walk-in pantry in the kitchen. Although we really did need the extra cupboard space – and the pantry was quickly my mother's pride and joy.
In my late 20s, I made the trip back to the UK to do my belated-OE. My friend Jude came over to visit me at Christmas time, and we had two weeks travelling around the south of England – mainly Devon and Cornwall.
Memories filled with English-pubs with roaring fires. Another memory of climbing over the fence to Old Sarum – we'd gone to sight-see and couldn't believe they were closed, so we decided to have a look anyway.
On that trip, I also remember visiting Tintagel Castle, and walking over the bridge in the wind. Right on the coast, and quite exposed, it was cold. But so worth the effort. Medieval history, tales of King Arthur and Merlin . . . all good stuff!
English pub grub was the best. Really basic good fare. Sunday roasts that cost next to nothing. Yorkshire puddings the size of dinner plates, with your roast dinner inside it. Toad in the Hole. Lasagne and chips (in England, you can get everything with chips if you like – having chips with lasagne sounded gross to start off with, but you got used to it!)
I lived mainly in London, while I was in the UK, although I did spend a couple of years living in Hertford, Hertfordshire. We had heavy snow one year, so bad that I couldn't get into work. I lived on a hill, and we couldn't even drive the car down the hill. No trains running from the train station.
Winters in London, were drab and grey. It got light late and dark early, so days were incredibly short. We used to take advantage of the deals on Teletext, to go get some winter sun. The UK was great for that . . . you could book really cheap, late last minute deals somewhere warmer. We holidayed in places like Lanzarote, Cyprus, and Egypt (Cairo and Sharm el Sheikh).
Today's winters, I associate with the beach . . . New Zealand's winter beach. We live near some of NZ's best beaches, and walk the dog there - summer and winter. The kids look in the rock pools to see what's been turfed up in the last storm.
We eat soup, casseroles from the crockpot, and roast dinners.


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Joe Student
This Weekend in Sports — The British Open, UFC 149 and the Tour de France Finale
Competition for a major golf championship, a fighting title and cycling's biggest prize highlights this weekend's sports offerings. Here's what to watch this weekend in sports:
MLB Weekly Report: Ben Sheets Wins First Game Since 2010
The All-Star break made for a short week around the big leagues. Here's what's happening in Major League Baseball:
This Weekend in Sports — Tour de France, Strikeforce and NL Playoff Contenders Meet
The TV sports calendar is fairly light this weekend. Here are the sports events worth watching:
10 Things You Didn't Know About Olympic Swimmer Matt Grevers
US Olympian Matt Grevers, 27, will compete at the Summer Olympics in London at the end of this month. After hauling in three medals in Beijing in 2008, Grevers has trained diligently and seems destined to add to his personal medal count in 2012.
Melky Cabrera Helps National League to 8-0 Win over American League in MLB All-Star Game
San Francisco Giants' teammates Melky Cabrera and Pablo Sandoval delivered big hits early, as the National League shutout the American League 8-0 in the 2012 MLB All-Star game Tuesday night in Kansas City.
MLB Weekly Report: New York Yankees and Washington Nationals Have League-Best Records at t…
The Major League Baseball All-Star Game is Tuesday in Kansas City. The New York Yankees and Washington Nationals have the best records in their respective leagues at the mid-season break. Here's what's happening this week in Major League Baseball:
Roger Federer Beats Andy Murray for Record-Tying 7th Wimbledon Title
Roger Federer soundly defeated Britain's Andy Murray, 4-6, 7-5, 6-3, 6-4, on Sunday at Wimbledon to win his seventh men's singles title and tie Pete Sampras' open-era record for championships at the All England Club.
2012 Wimbledon Report: Serena Williams Wins Fifth Wimbledon Title
Serena Williams defeated Agnieszka Radwanska, 6-1, 5-7, 6-2, on Saturday to capture her fifth Wimbledon title at the All England Lawn Tennis Club.
If You Had To Pick A New Pro Sports Team Name, Which Would You Choose? — Sports Survey of …
The recently completed NBA Finals featured a first in the four major American team sports: two teams (the Miami Heat and the Oklahoma City Thunder) whose names were mass nouns, rather than plurals. It's not surprising, since each team's name is 20 years old or less.
This Weekend in Sports — Wimbledon, UFC 148 and the Red Sox-Yankees Rivalry Renewed
Wimbledon ends the fortnight by crowning its champions, ultimate fighting has a stellar card and baseball's best rivalry gets the national spotlight. Here's what's happening in sports this weekend.
'Blade Runner' Oscar Pistorius Will Be First Amputee to Compete in Olympics [VIDEO]
South African sprinter and double amputee Oscar Pistorius was named to his country's Olympic team on Thursday, becoming the first amputee ever to compete in the Games.
Which Current Athlete Most Embodies the All-American Spirit? — Sports Survey of the Day
All-American doesn't mean the same thing as All-Star.


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Retro TV is The Best in Classic Television with popular retro shows such as Route 66, Highway to Heaven, Beverly Hillbillies, Doctor Who, and Mystery Science Theater 3000.
Heartland, The Heart of Country, is your source for the best classic and current country music, entertainment and lifestyle programming.
REV'N is a network geared toward the performance automotive enthusiast, featuring cars, trucks, motorcycles, boats, events, auctions, and more!
The Action Channel features action, adventure and outdoor pursuits appealing to the adrenalin junkie in all of us.
Website | Facebook
Frost Great Outdoors features outdoor lifestyle programming combined with Cutlery Corner Network, a live home shopping show produced by Frost Cutlery Company.


text: Hi all, We're renovating a classroom for the use of a cluster that does not yet exist. We're hoping it will reach 1000 nodes in a couple of years, but it's likely that it will have to grow piecemeal as funding allows. Notwithstanding that, we hope to administer the machines as a single cluster. My question is: how much room (in racks, or rack-units) would you allocate for the non-compute-node hardware, ie, the networking equipment, file servers, backup systems, management nodes, etc, for 1000 nodes? I'm sure this greatly depends on how we set things up, and I'm happy to be reminded of the many variables that need to be considered. (In our case, the UPSs and airconditioning units will be an adjacent room, so luckily they don't factor in.) Data for existing clusters would of course also be helpful. TIA. -- Jon Bernard Programmer Analyst University of Alabama at Birmingham Mechanical Engineering


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No surprise there. Depending on your HR discipline, workplace surveys can help you understand the impact of current programs and policies, while allowing you to identify areas for improvement. The attitudes and opinions of your employees are strongly tied to human resources areas such as employee benefits, Global HR and staffing. Overall, HR surveys can help you connect your employees' roles, work, and performance to business goals. Survey results will shed light upon the metrics you want to track, and you'll have the deliverables you need to present your progress.
Join us for Curiosity Conference 2018: a free online event designed to help you use feedback to drive business impact.
You get better decision making and a happier workplace. This means overall better performance and increased revenue. The results of any human resources survey will reveal areas of improvement that can lead to a more productive workforce. SurveyMonkey's workplace, employee, and training templates get you started fast. You can use our surveys as they are, or customize them to create a continuous brand experience. Insert your logo, choose your own themes and colors, and design a survey that matches the look and feel of your organization.
All workplace, employee, and training survey template questions are written by professional survey methodologists and can be customized to fit your needs.
Following are common areas of focus for many business owners, HR directors, managers, training & development professionals, and human capital specialists.
The secret to a happier, more productive workforce. Use online surveys to identify which levers make employees happy and unhappy, and act on feedback to boost levels of satisfaction. Stressed out employees can lead to an unhealthy work environment—which can cost the company a loss of productivity.
Evaluate employees based on feedback from supervisors, peers, and subordinates. This type of feedback is focused on employee assessment from multiple perspectives.
Building a workplace culture that prioritizes belonging and inclusion is the best way to attract diverse and talented people, create a sustainable workforce, and—most importantly—make employees feel supported. SurveyMonkey's inclusion and belonging survey template can help you understand what you're doing well and where there's room for growth.
What courses, continuing education, or otherwise, do your employees need to meet their objectives? What do employees think of your company's job training and development program? Do employees feel like this is a workplace that nurtures their career goals and ambitions?
Do employees feel that they are adequately compensated? Does the benefits package match the needs of the staff? Are there perks and benefits they would like to see? Do employees feel that their efforts are being recognized and appreciated?
How would employees rate their job performance and satisfaction? Have they met the goals set at the beginning of the quarter or year? Were the goals set for them reasonable and attainable?
Communicate with employees on a regular basis. What do they find lacking in an ideal working environment? Would they like to be able work remotely? Get opinions on office politics and gauge the morale of the entire organization.
Do employees find their jobs and responsibilities to be rewarding? Do they feel challenged and do they still enjoy coming into the office every day? Is there another role that might allow for more fulfillment or better learning potential?
How would employees rate your company and the work environment? Do employees feel stressed out by deadlines? Are employees happy with the direction of the company? Do employees feel engaged with their job and the company? Is there an adequate work-life balance?
What do employees think of various human resource issues? Do employees feel good about workplace safety and company ethics? Are employees satisfied with their coworkers? How do they react to the new policies HR just published? The best way to head off a PR or social media problem is to understand how employees feel before they go public about their grievances.
Across departments, what are the employees' opinions on management? Do supervisors and managers communicate expectations with their direct reports? Are the goals and vision of the company clear to all employees, across teams, departments, and geographies?
Are there any insights from departing workers that might help improve the onboarding experience and overall employee satisfaction for future efforts?
What do your employees think of the quarterly all-hands meeting? Or Happy Hour Thursdays? Do people want to attend more events? What about an offsite to Las Vegas or Honolulu? Send out a survey and make the next event or meeting even better.
Online questionnaires are not just for web products and services. You can also poll customers of your retail store to learn whether the new merchandise you are thinking of placing on the shelves will resonate with shoppers.
It's never too late to fine tune your product and brand before you launch if your success depends on it.
The following examples show the true potential of human resources surveys:
A consumer packaged goods company might collect employee survey samples to examine the performance of the Human Resource department across issues such as processing information and responsiveness. The survey results are used as a benchmark for performance ratings and identify areas of improvement.
With SurveyMonkey's skip logic feature, a manufacturer's HR group can create and send out one employee survey yet receive responses in any of the languages in which it operates. They can use SurveyMonkey to gather employee opinions on the HR department and its services.
Make the most of your time by leveraging SurveyMonkey's methodologist-certified human resources survey and employee survey templates. You'll be able to create your online survey in a matter of minutes on a wide variety of topics such as employee satisfaction, 360 assessment, recruitment and more. SurveyMonkey also gives you access to the survey tools you need to easily deploy and analyze your HR survey—empowering you to make smarter decisions. And we take survey security seriously, so rest assured knowing your data and insights are safe with us.
Want to know what your customers are saying about you? Customer satisfaction surveys can help you find out what people think of your company, get feedback on customer service, and more.Visit Page
Organizing an event is tough work. Who's coming? What's their schedule? Event surveys can give you a clearer picture. When you're done, get post-event feedback to improve for next time.Visit Page
Launching a new product or testing an ad campaign? Market research surveys help you make smarter decisions. We can help with everything from creating your survey to finding the right people to take it.Visit Page
Here are some ideas to ensure that respondents will answer your surveys.
If your survey is short and sweet, there's a greater chance that more respondents will complete it.
Little incentives like small discount or an entry into a drawing can help ensure respondents complete your survey.
With SurveyMonkey Audience, you can purchase access to an audience who meets specific demographic criteria for your survey. It's a great way to get targeted responses from a specific group.
Send as many surveys and quizzes as you want—even with free plans.
Easily create and send professional surveys. Get reliable results quickly.
Access pre-written questions and templates approved by our survey scientists.
Check results on the go from any device. Spot trends as data comes in.
Surveys give you more than just answers. Get feedback and new perspectives.
Extract and share insights from your data with your team.


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OliMcc needed a new logo design and created a contest on 99designs.
A winner was selected from 156 designs submitted by 29 freelance designers.
Ask Your Rep
Our website is currently under development and will be found at http://www.askyourrep.ie.
The site will facilitate conversations between members of the public and their elected public representatives.
We want to create a FRIENDLY and FUN feel to the site. Also important that our site looks professional and trustworthy as we need to give users the comfort to create posts/issues/questions.
It's an Irish community website with a political slant. The color scheme of the site will be based loosely around the colors of the Irish flag - green, white, and gold/orange. For more information of Ireland, our flag and culture see here http://en.wikipedia.org/wiki/Republic_of_Ireland. Usage of all 3 colors is not a requirement but please don't use alternative colors except for black. You may consider using imagery from Irish culture within the logo but it's not a requirement.
The main use of the logo is for our website header and will likely be joined by a cartoon-like illustration/caricature of local politicians/political parties.
very wide audience. Irish nationals of all genders and ages.
We want the logo to include the words ASK YOUR REP. The '.ie' domain extension is not required. NB. text does not have to be capitalized.
PSD format preferred.
Find out how a design contest works or learn more about our logo design services.


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When you visit a museum, don't just gaze at the art on the walls. Take a good look at the guards posted in the rooms and doorways, especially their line of sight to the exhibits. Then check out the blinking cameras in the ceiling, the bolted-to-the-wall frames of the paintings and the shatterproof non-reflective casings on the statuary.
Continue Reading Below
And be aware that others, less reputable than you, are doing the same thing.
The recent art theft at the Kunsthal gallery in the Netherlands shows that art thieves also know their way around a museum. And they like Impressionist paintings. These thieves stole two Monets, a Matisse, and a Gauguin, as well as a Picasso. And all in the five minutes before a "state of the art" (no pun intended) alarm alerted the police, who arrived within five minutes.
'Museum of the Missing'
These paintings now belong to the "Museum of the Missing," as one book on the subject describes it, which currently includes 340,000 art objects, according to the Art Loss Register. The "missing" collection also has five Rembrandts.
The paintings removed from the Kunsthal are from the private collection of multimillionaire Willem Cordia, whose family expressed "shock." Which leads us to ask: Why do wealthy collectors lend their artwork to museums and galleries when they risk losing their prized possessions?
Not nailed down
More wealthy people than ever are collecting art. In uncertain times, classic art is a certainty. Auction houses such as Christie's saw art sales soar 200-fold in recent years. And this year when Sotheby's auctioned off Edvard Munch's painting "The Scream," the selling price was a record $120 million. Incidentally, two versions of "The Scream" have already been stolen, with only one recovered.
"The recovery rate for stolen art is minimal," says a study in the Suffolk Transnational Law Journal, at least in the short term.
So those who own a valued piece of art should always have it insured. Insurers such as Chubb and Travelers handle specialty policies like this.
Their first step is to have an independent appraiser check its value and make sure it was not already stolen by checking the art registry. This is particularly true for art that may have passed through Europe during World War II, when light-fingered Nazis were stealing anything not nailed down.
Then the insurance company will examine home security to make sure there are alarms and protective devices to keep it dry and secure.
The Kentucky Derby
But most art collectors aren't satisfied with just hanging their Jackson Pollock on the wall. They want it displayed publicly, even at the risk of losing it. Why?
"Collectors lend to galleries because they like to share," says Andrew Gristina, who heads the Travelers Fine Art Practice. "Some feel it's their duty."
But there are other reasons, such as bragging rights. Like the owner of a Kentucky Derby winning racehorse, it's an honor to have an exhibit with your name on it.
And it can be profitable, too. As Dorit Straus, worldwide specialty fine art manager for Chubb Corp., points out, "an exhibition can help someone 'arrive.'" If artists become famous, their work is worth a lot more after a big showing by their owners. A lucky owner could find himself with the next "Scream."
Kidnappers and keepers
Thieves make it their business to know what art is worth, and are more than willing to rip it off walls. Some of it winds up in China, but there's also a thriving market for stolen paintings in Eastern Europe.
Some thieves are kidnappers. After all, a piece of art tells no tales after it's ransomed. Insurers say they don't pay kidnappers directly, and countries like Great Britain have specific laws against paying a ransom for stolen art. But no one denies that it happens in convoluted ways, such as providing a reward for a middleman who intercedes to have it returned.
Then there are "keepers," people who wind up with an Andy Warhol in their basement next to "Dogs Playing Cards" or, worse yet, tucked, like the portrait of Dorian Gray, into the rafters of an attic, perhaps for a generation. "Thieves may sit on it, but then someone dies, the heirs don't know the painting's value, and it goes up for sale," says Gristina. The Art Loss Register becomes aware of it, and it is returned.
Putting a price on it
But you wouldn't want to wait until you're old and gray to get back your masterpiece. Insurers say that if you do lend out artwork, here's what you should do:
- Review the museum's offer. Exhibitions are often planned years in advance. Is it a "traveling" exhibition that moves to multiple locations, thus creating additional opportunities for damage or theft as the art is boxed and unboxed?
- Talk to your insurance agent or broker. "We can review our contract as well as your agreement with the museum and the museum's own policy for covered perils," says Chubb's Straus. Insurers themselves have "flying squads" that investigate these thefts.
- The museum is generally responsible for your art once it leaves your door. But your insurer will likely insist on a loan agreement that covers every possibility.
- Your insurer will also look at the "facilities report," which describes in detail what kinds of security the museum or gallery is offering.
"Museums are wonderful places," says Straus, "but they're not cookie cutter." Some skimp on security, she says, particularly overseas.
Insurers say the theft from the Kunsthal will likely cost that private gallery, and its insurer, a lot of money. As for the owners, no amount of money can replace their stolen objects. "I've never met anyone who'd rather not have the art back," says Gristina.
The original article can be found at Insure.com:What happens when your Van Gogh is gone?


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Current Weather
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Firing of Rapid City Parks Director Upheld
RAPID CITY, S.D. (AP) - The Rapid City Council has determined that Mayor Sam Kooiker was justified in firing the city's parks and recreation director and has denied Jerry Cole more than $46,000 in severance pay.
Cole told the Rapid City Journal after Tuesday night's special meeting that he wasn't surprised with the outcome. He and his attorney say they will now sue the city.
Kooiker declined comment, citing the pending lawsuit.
Kooiker fired Cole in June without giving a specific reason. The City Council voted 6-3 to uphold the firing. Cole had been the city parks director for eight years.
Copyright 2012 by The Associated Press. All rights reserved. Material may not be redistributed.


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Western Michigan University's Master of Arts in blindness and low vision studies accelerated degree program provides an opportunity for students in the Bachelor of Science in interdisciplinary health services program to accumulate credits toward completion of a master's degree in blindness and low vision studies while still enrolled as an undergraduate student in the interdisciplinary health services program. Master's degrees in orientation and mobility for adults or vision rehabilitation therapy can be earned through the accelerated degree program.
Undergraduate students admitted to the blindness and low vision accelerated degree program, with senior standing, may count up to 12, but no fewer than six credit hours of 5000-level courses for graduate credit. These designated courses may be used in completion of both the bachelor's and the master's degrees in blindness and low vision studies within 24 months after completion of the Bachelor of Science in interdisciplinary health services degree.


text: Posted in trends What I bookmarked today Posted on May 10, 2008 by Joi JAJAH – web-activated telephony JAJAH – Web-activated telephony in a click! No download, no installation necessary. Use your normal phone – call anyone, anywhere (landline or mobile) Tags: voip, mobile, productivity, international, global View all my bookmarks on Ma.gnolia Share this:Click to share on LinkedIn (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to email this to a friend (Opens in new window)Like this:Like Loading... Related Author: Joi I am a data & results driven Digital Media Influencer with over 15 years of experience in engagement, family marketing, scaling infrastructure and audience culture across a product's lifetime from pre-launch to millions of users. Strategic Vision & Business Development: • Articulated corporate integrated digital marketing strategies for 10 children's entertainment properties across multiple digital channels • Authored a comprehensive business plan for scalable online community infrastructure for internal and external partners and successfully participated in a thorough VC due diligence process • Increased sales revenue by 20% while managing 6 million dollars of annual revenue in existing business services. Production & Project Management: • Developed multiple 2D & 3D multi-player virtual worlds, online games & apps based on repurposed/original assets • Produced 12 animated 2-minute shorts for broadcast on television & developed animation production department workflows • Launched multiple major website redesigns to include more fan interaction • Led workflow & process optimization teams to improve operational effectiveness/productivity. Audience Engagement & Research: • Developed domestic and international audience research programs both on & offline for both parent and children audiences • Grew multiple audiences from pre-launch to tens of millions by using organic, as well as established marketing tactics. Team Management & Relationship Building: • Designed team management & organizational structures for multiple Web Content and Web Marketing departments including international remote teams of staff in North & South America, Europe and Asia. • Managed teams in multiple disciplines, including customer service, social media engagement, production, moderation, marketing, design, tech and content development. • Extensive client, vendor and partner management experience in television, licensing, digital, e-commerce & customer service industries View All Posts


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LNG is liquefied natural gas, which is natural gas that has been converted to liquid form. Natural gas is made mostly of methane (CH4), the simplest hydrocarbon compound. Natural gas changes to a liquid state at about minus 259 degrees Fahrenheit (-259°F) the same way water turns to a liquid when cooled below 212 degrees Fahrenheit (212°F). LNG takes up 1/600th the physical space required when in gaseous form. Thus, LNG provides an economical way to ship natural gas from one location to another. LNG is odorless, colorless, non-corrosive, and non-toxic.
Natural gas is one of the cleanest of all fossil fuels producing 50% less CO2 emissions than coal and 37% less emissions than oil. Natural gas also has almost no particulate pollution, sulfur dioxide, or mercury emissions.
Taking advantage of low energy prices is the right thing to do for Hawai'i. Utilizing LNG is just one way we can relieve the high energy costs in our community. LNG provides a cost effective way for homeowners to cook, heat water and dry clothes. LNG can also be used for transportation and power production.
Overreliance on one fuel or feedstock leaves us vulnerable to changes in the market. Utilizing clean burning natural gas will diversify our fuel supply and increase energy security and reliability. Efficient natural gas turbines also have the ability to quickly cycle up and down to meet the fluctuating power demands from intermittent renewable energy. Generating power from a clean, EPA compliant, lower cost fuel like natural gas to meet these fluctuations means we can adopt more intermittent renewable energy while lowering our carbon footprint and energy costs.
At current prices LNG is a cheaper alternative than petroleum fuels used in Hawai'i. Because LNG can be shipped inter-island and used in multiple applications such as utility gas, electricity generation and ground and marine transportation, it is a statewide energy solution, not just an O'ahu solution. LNG can reduce our reliance on imported crude oil and keep the cost of other fuels in check.


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About us
Visit Herefordshire became a private not-for-profit company in April 2011 and is managed by Herefordshire & Worcestershire Chamber of Commerce. It is the established destination tourism marketing organisation for Herefordshire.
We are proud to work with over 300 businesses in the county, supporting the tourism economy and attracting even more visitors to experience our wonderful county and the diverse range of experiences. With over 7,500,000 tourist days enjoyed within the county, we have much to shout about.
Search Herefordshire
Visit Herefordshire is...
- Managed by Herefordshire and Worcestershire Chamber of Commerce
- Not for profit – any income is used to maintain tourism services for the county
We are...
• The established destination marketing and promotional organisation for Herefordshire tourism businesses
• An innovative and effective tourism marketing organisation working closely with local partners, neighbouring county tourism organisations, Herefordshire Council, Visit England and Visit Britain
• The hub for all county, Hereford, group and cider route visitor enquiries
• The central hub for all tourism related stories, press and media enquiries and visits
The team at Visit Herefordshire are passionate – about tourism and about encouraging visitors to stay longer and more frequently to experience our wealth of attractions and activities, stunning scenery, great cultural and heritage experiences to sample our locally produced food – and so much more! With our hard work, you on board and working with local organisations we can achieve this together.
The Team
We are small in number but work hard to benefit tourism businesses across the county.
Manager: Matthew Allder
Email: email@example.com
Tel: 01905 673598
Tourism Officer Herefordshire: Andy Black
Email: firstname.lastname@example.com
Tel: 07971 824 062
Digital Marketing Executive: Liz Gilhespy
Email: firstname.lastname@example.com
Tel: 01432 268430
Interested in finding out more?
For advertising and promotional opportunities, click here
To find out how Visit Herefordshire can support your business or to advertise on the website, please contact:
Andy Black firstname.lastname@example.com
07971 824 062
County Tourism Strategy
A Destination Management Plan 2018-2022 has been written by Visit Herefordshire and the Herefordshire Sustainable Food and Tourism Partnership


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OCCA strengthens the arts by ensuring that the Oregon coast has a rich and vibrant arts community through support and promotion of arts organizations and individual artists.
This directory represents the coastal areas of Oregon, which include Clatsop, Tillamook, Lincoln, Coos, and Curry counties and the coastal towns of Lane and Douglas counties. OCCA is the regional arts council for this area. Learn more about OCCA's regional arts activities.
An artist that specialized in bird carvings.
He has received several awards from the South coast Woodcarver's Show, Coastal Carver's Annual Show, Coos Art Museum and Northwest Carvers Show.
The Coos Historical & Maritime Museum tells the story of the Coos county region and creates a positive memory of the South Coast for its visitors, providing numerous itinerary options and a reason to stay a little longer as folks tour the region.
Little Theatre on the Bay
The mission of the North Bend Public Library is to promote the enjoyment of reading and cultural materials, and to respond to the community's need for information; to provide reading materials to meet the interests of all ages and to provide materials that support lifelong learning, encourage literacy, and enrich the quality of life of the people of our community.
An invitational art show featuring a variety of art forms created by local artists.
Coos Sand 'n Sea Quilters was founded in 1991 with the mission "Dedicated to educate, and to share, and to perpetuate the art of quilting." Meetings are held the first Thursday of the month September through June at Gloria Dei Lutheran Church in Coos Bay from 7-9 PM, with social time starting at 6:15 PM.
New members are welcome. Annual dues are $20.00. An annual quilt show is held the third weekend in September in conjunction with the Bay Area Fun Festival.


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Name: Kara
Height: 5' 1"
Bust: 32a
Eyes: Blue
Hair: Blonde
State: California
Age at shooting: 20
Our exclusive contract model, you can only get her here!
We get calls every day, "would I loan her out" to some other photographer for stuff she would never do, even if she did not have a contract with us. Kara does not look like the other girls in this business, who have been used and abused. That is why I love her sweet and lovable looks.


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Here are a few more pictures of snowmen that I have painted
I am putting these on Ebay
Where ever there is white there is glitter!!
So the top one is a wooden candle holder, you should have seen it in it's previous life...
it is much happier now!
The bottom two pictures are the same salt shaker...I think it would be happier as a sugar~shaker.
There are 3 sweet snowmen painted around, in between there is a heart, birdhouse and a tree.
I'll have more birds on spoons to show you tomorrow.


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Hi, Kristy back again with another quilt. When will my brain stop coming up with quilt designs that refuse to let go? Hopefully not for a long time!
This design was inspired by my imperfect memory of the ceiling thatching on the roof of a holiday villa in Bali I was lucky enough to enjoy with three of my best friends for our combined 30th birthdays last year. When I saw the Salt Air fabric I knew the colours would fit perfectly with such a beachy memory. To make it even better there are no 'Y' seams because it is all constructed from 60-degree triangles!
1 jelly roll Salt Air by Cosmo Cricket
3 yards solid 9900 42 for sashing, setting triangles and binding
4 yards 37021 11 for backing
60-degree ruler
Constructing the Triangles
1. Sort your strips into groups of four of similar colours. If using the Salt Air collection, the colours do not divide evenly but sets of similar colours can be achieved (so there is not one strip in a set that stands out)
2. Sew the strips together so you have 10 sets each made up of four strips. This can get a little tiring so I did one or two sets at a time and cut the triangles (see the next step) before moving on to the set strip set.
Tip: When sewing pick one end to start with i.e. – the printed selvedge or other end and match these to ensure only one uneven end. I usually match the unprinted end. This will ensure you have a strip long enough to cut the required triangles.
3. Press the seams to the side (or open depending on your preference – I just always do mine to the side). I found this worked better when I pressed each seam after sewing rather than when the set was together – it is easier to get the seam flat and this will be important for a good finish later.
4. When you have a completed and pressed strip, set cut your 60 degree triangles. At this stage your strip set will be 9" wide. My ruler is 8.5" high so I will need to cut a bit off the blunt top when cutting the triangles. Alternate the orientation of the ruler for each triangle {positioning the wide base flush with the top or bottom of the strip set}. You should get 8 from each strip set.
Note: My 60-degree ruler has only one blunt tip as it was made for a particular pattern. Others I have seen on the market are exactly the same but have 3 blunt tips. Construction will be the same no matter what brand of ruler you use, cut off the extra dog ears at this stage or not; do whatever suits you.
5. Set aside your triangle sets, separated into groups according to the strip set they were cut from.
Cutting and assembling the sashing
1. From the solid, cut 25 strips 1" wide and cross cut into 10.5" strips (units will be 1"x10.5")
I I cut my strips 5″x WOF and then cut the 1″ strip from the 5″ units. I found this a better way to ensure an accurate cut along the grain.
I I cut my strips 5″x WOF and then cut the 1″ strip from the 5″ units. I found this a better way to ensure an accurate cut along the grain.
2. Take one set of triangles. Half your triangles should have the apex at the top and half should have the wide base at the top. Maintaining this orientation sew a 1″ strip to the right hand side of all triangles. Press seam.
Trim the excess strips. I lined my ruler up with the wide base and trimmed the bottom of the strip, re-oriened the ruler and lined up with the un-sashed side and trimmed the overlap at the top.
Trim the excess strips. I lined my ruler up with the wide base and trimmed the bottom of the strip, re-oriened the ruler and lined up with the un-sashed side and trimmed the overlap at the top.
4. Repeat until all triangles have one sashing strip attached.
Cutting and sashing the border triangles
1. Cut 3 strips 8.5" wide (or the height of your ruler if it is different to mine)
2. From these strips cut 10 full triangles and 8 half triangles
3. Cut the full triangles in the same way you cut the strippy ones.
4. To cut the half triangles find the centre of your ruler (mine is marked) and find ¼" to the side of that (this is marked on mine as well). Place this 1/4" mark on the edge of your fabric and cut.
5. Sew a sashing strip to 8 of the half triangles and all of the full triangles. Trim as you did for the strippy triangles. You will need to cut another 8 triangles for the right had side of the quilt. to do this trace a half triangle from your ruler into paper and draw a line 1/2″ beyond the RHS. Use this as a template to cut the triangles for the right had side of the quilt. You will not need to add sashing strips to these ones.
Y Assembling the quilt top.
1. Lay all your triangles out on your design wall or floor, matching triangles from strip sets to form diamonds. Aim for a good spread of the colours. See how the sashing strips are forming the lattice?
Take a picture!
Unfortunately mine has gone missing!
2. I toyed with the idea of sewing the rows together in an 'on point' arrangement but I think horizontal rows will work best.
3. Working one row at a time, pair the triangles and pin (I really think this will help on this one) 1+2, 3+4 … 11+12 (you will have one at the end of the row left over). When pinning, make sure the points extend about 1/4″ beyond as pictured. This will ensure your rows end up straight.
5. Chain piece the two triangle sets then pair again and again until you have a row. Sew on the last triangle. Compare to your picture!
6. Press seams towards the 'peak' triangles
7. Repeat with the remaining rows.
8. To join rows pin together. If you pressed the seams to the side when sewing the triangles into the rows they will nest at the points where they meet and form a 'V' at the raw edges when you are pinning.
Quilt top done!
Basting, Quilting and Binding
1. You will need to cut and piece the fabric for the back to ensure it is large enough. I cut carefully to make the print matched up and left a continuous print – but there will be one stripe missing.
2. Baste your quilt – I use pins but use whatever method you are comfortable with.
3. Quilt as desired – I quilted with a row of stitching down the centre of the sashing strips, through the diamonds to create a secondary diamond grip and echo quilted in the border diamonds with stitches 1" apart.
4. Bind – I used 7-8 strips cut 2.5" on the straight of grain. If you prefer bias strips you will likely need to adjust the fabric amounts listed in the ingredients.
Congratulations, you are done!


text: Hapkido Training DVD's, Chinese Martial Arts Training DVD's, Goju Training DVD, Kung Fu San Soo training dvd, Kyokushinkai training dvd, Wushu Training DVD, Martial Arts Training DVDs, Taekwondo Training DVDs, Martial Arts weapons training DVD's Krav Maga training DVD. Part of being in a competition is looking good while busting out great techniques. In this section of our online catalog we offer XMA uniforms to do just that. Whether its Sleeveless Performance Tops or matching Techno Style Performance Pants, we have it. Browse our selection of XMA apparel and discover everything you need to perform well in an Extreme Martial Arts Competition such as Quick Release Belts, Gear Backpacks, Gear Duffle Bags, Shirts, weapons, and DVD's to help better your performance. Also check out our selection of custom bos, kamas and sais to have that one of a kind weapon. Feel free to browse the rest of our site for your other Martial Arts needs such as Sparring Gear or Training Equipment.


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|Full Conference
|Basic Conference
|Computer Animation Festival
Special Thanks & Acknowledgements
Animation is not just character movement. It is storytelling, design, mood, character, teamwork, and many other elements that combine to create magic. FJORG! celebrates this process. The mission of FJORG! is to create a pressure cooker of opportunity for animators seeking a high-profile event in which to showcase their skills.
The Teams
Peanut Butter & Jelly
The Stepped Children
Team Riot
Squid Juice
Sparkle Kittens
Briar Roses
The Bunko Squad
The Winners
First Place
Second Place
Third Place
Special Awards
Most Memorable Characters
Best Stylized Look
Audience Favorite
Most Innovative Interpretation of the Theme
Best Comedy Team
Best Cinematography
Best Ending
- siggraph by focus
- First-Time Attendees
- New for SIGGRAPH 2009
- Art & Design
- Education
- Games
- Music & Audio
- Production/VFX
- Professional Development
- Research
- Students
Listen to some of the city's finest music, then download the entire album for $9.99. Proceeds from album sales go to support the Louis "Satchmo" Armstrong Summer Jazz Camp.
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