text:
"Economically scaled" – or smaller homes - can present big decorating opportunities. Bungalows, ranch-style homes, townhouses and condominiums offer the decorating challenge of using available space efficiently and beautifully. Just be sure you don't short change your decorating tastes because your spaces may be a bit smaller!
First of all, consider selecting furniture that is scaled to your room size. Smaller scaled furniture can make a small room seem a great deal larger. In a living room, for example, you may want to choose the cozy look of coordinating love seats instead of a larger sofa and chair combination. Sofas with open legs, such as Chippendale or Queen Anne, take up less visual space—but be careful not to have a room that's "all legs". Balance your open legged pieces with solid ones, perhaps a small skirted, or an enclosed wood table. Staying away from coffee tables and opting for a glass topped tables are good options to consider because the eye continues to travel through a glass surface giving your room a more spacious feeling.
Since pale, softer colors tend to recede, the lighter the wall and floor colors, the larger a room will seem. However if your room features a lot of natural light, you could actually be a bit more adventuresome with your color choices – and add a little more drama to your walls. Traditionally it's common in smaller rooms to paint ceilings lighter shades than the walls. This actually helps to give the impression of visually taller walls or a higher ceiling. Patterned carpets or light background wall coverings will also help give a smaller room a feeling of depth and visual interest.
Adding a framed mirror, or even mirroring an entire wall, can visually double the room size. But please be sure to note what the mirrors will reflect. If it's an eyesore, you'll double that too!
One of the many benefits of smaller rooms is that you will always feel cozy and comfortable! So take a few of these ideas into consideration when you create the inviting, warm and expansive look you want in your own small spa
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August 2019


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07/04/18 to 10/04/18
3nights / 4days
Half board + Festive lunch (lunch) on Easter Sunday
Check in 07.04.18 at 13.00pm
Traditional dinner (2-course food and dessert) or fast dinner menu
On the night of the Resurrection, whoever wants can take the Light from our church in the village or from the surrounding churches.
After serving breakfast, we go to the Resurrection Service at our church St. Michael and Gavril, UNESCO heritage with COSERCILE full of dishes to be sanctified by the priest.
-Lunch – Festive meal (aperitifs, lamb filled with traditional recipe, soup, steak, dessert – cow cheese cake , cakes, drinks with and without alcohol, coffee.
Traditional dinner
(2-food and dessert, alcoholic and non-alcoholic beverages)
Whoever wants to participate in the village feast – Surdesti , a tradition that honors the most diligent man in the village. The party begins at the church, continues to celebrate at home after which a folk festival takes place.
Traditional dinner (2-course food and dessert, beverages with and without alcohol)
Check out at 10.00am.
Package / room / capacity 2persons
We operate in Agropension format (capacity 16 places – 16 places in the dining area)
Reservations are made, 30% advance in the price of the stay.
Full payment of your stay until 15.03.2018
Between 15.03.18-20.03.18 there is a possibility, to cancel the reservation , our Agropension will return your money without advance.
After 20.03.18 we no longer accept cancellations.
For more details about our location you can find us on facebook page Iz de Maramures or you can contact us by email: email@example.com
Price / stay / room / capacity 2persons = 1500Ron
Children 3-12 years old 700Ron/children.
We have limited space for package whit children, please contact us directly for availability.

subset: commoncrawl


text:
Most of the weddings I conduct are legal, but the blessing ceremonies I do that have no legal status whatsoever can be every bit as emotionally powerful - if not more so.
There can't be many couples who waited 20 years to get married, but David and Dan did.
What made their blessing ceremony at Edinburgh Castle so special was that they chose to have it on the 20th anniversary of the day they met - the 4th of July - making it the 'real' celebration of their marriage, even though it wasn't a legally binding ceremony. (They'd taken care of the legalities before they flew over).
It was a very international gathering, with guests from Spain, Belgium, Germany, England and every corner of the USA, and Dan and David really made it their own.
Their maid of honour and their best man came into the sounds of Pachelbel's Canon, and once they'd arrived, David and Dan entered together to the sound of Leonard Cohen's Hallelujah.
The first thing I told the guests was that this wasn't just their anniversary, it was THE BEST DAY OF THEIR LIVES.
We had a reading from Les Miserables, by Scott: we talked about the sun, about Zeus, and about the Vena Amoris: Sarah read a poem by Anne Sexton called Cinderella, and then Dan and David spoke their vows.
Oh boy... it was emotional!
I think this shot has to get my 'wedding photo of the year' award for its symmetry, balance and emotional heft. Erica Hardesty is a truly exceptional photographer, isn't she?
I've been looking forward to writing about this ceremony for a while now.
Some time back, David got in touch to say, "Once we Skyped with you on that afternoon really sold it for us. You were so gracious, calming, comforting and smart. You really understood us; you listened to us; and we really understood you. We both remember looking at each other after Skyping with you and saying: WE FOUND THE PERFECT PERSON TO FACILITATE OUR BLESSING."
Well, I feel blessed to have been part of it: it certainly was the best 4th of July party I've ever been at.
Thank you once again gentlemen, for choosing to work with me, and thanks once again to Erica for these really splendid images.
Thursday, 22 March 2018
Dan and David's Humanist Wedding Blessing at Edinburgh Castle
Sunday, 18 March 2018
Rhian and Kenny's Humanist Wedding at Colstouin House
I was very touched to get a thank you message from Kenny and Rhian the other day, illustrated by these very atmospheric photos by the talented Claire Juliet Paton.
They chose to get married on the first day of the Six Nations, when Wales and Scotland met in Cardiff, so that required very careful planning.
They very sensibly decided to have the ceremony at 1.00 pm which meant that the guests could all watch the match at 2.30.
OK, the Welsh guests were probably a little happier than the Scots by 4.00 pm, but as you will see, it didn't detract from Rhian and Kenny's truly moving and creative ceremony.
Just over a month on from the day and we're both still filled with real joy and pride over what our day and our ceremony ended up being.
I remember thanking Tim immediately after the ceremony and saying how fantastic it had been and he replied, 'Of course it was – you wrote it!'
That sums up the whole experience.
From our first visit to Tim we were encouraged to do what we wanted to and it helped make for a beautiful, emotional, personal experience that we wouldn't swap for anything.
Tim offered guidance where required but overall just gave us the reassurance we needed that the ceremony we prepared would work. And it did!
We were complimented so many times on how enjoyable everyone found it. There were tears, laughter and singing from everyone in the room.
One of our favourite moments, however, happened even before the ceremony. We had chosen not to spend the night or morning separately and to enter the ceremony room at the same time. This meant we were able to grab some time immediately before the ceremony, together with Tim.
He immediately sensed how nervous we each were and set about settling us down with his trademark humour. Tim then let us have a dry run of putting the rings on so we didn't mess up with the wrong hands. Of course, this all ended in tears (of joy) and make-up had to be hastily fixed. It was a beautiful moment and it helped prepare us for doing it again in a room full of people.
Tim remained a hugely calming, guiding influence through the ceremony, casually and calmly directing us where to stand and what to do without it even really being noticeable. It helped give us complete faith that everything would go smoothly.
His advice to take in the moment, enjoy it and to also look at everyone else enjoying it too stuck in our minds throughout and it was great to see our friends and families laughing and crying along with us.
Looking back, we can't imagine having done things differently and can only offer our complete thanks to Tim for guiding us through the whole process.
Once again we'd like to offer you our thanks for helping to make such a special day.
It was my pleasure, Kenny and Rhian: I can't thank you enough for sharing these words with me and of course these great shots from Claire.
I can't not post these last two - they still bring a big smile to my face, despite the result!
Friday, 16 March 2018
Allan and Gary's Humanist Wedding at Carlowrie Castle
Our story starts in 2002 in Gran Canaria where Allan was working as an overseas holiday rep. Gary had had just recently secured a job - also as a rep.
Gary arrived at Las Palmas airport looking like something out of The Matrix wearing a long black leather jacket, even though it was 30 degrees plus. They very quickly became good friends, always the last two standing on a night out and always getting into trouble too...
Ten years passed, during which they largely lost contact but thanks to their mutual friend Kelli they met again in Edinburgh. Allan invited Gary to his Christmas Party, and again it wasn't long before they were the last two left reminiscing over a bottle of champagne. Four years later, on Allan's birthday, Gary proposed and that was what led us to a very emotional day at the glamorous Carlowrie Castle.
You may already have heard of a bride's mate: well, Gary and Allan coined a new term for Jane, Sarah, Lyn and Christine: Groomsmaid, and it was lovely to see them making their entrance with the best men, Scott and Rudy to the sound of the Cristina Perry favourite, 1,000 years, sung by Lara Fullerton who was accompanied on the piano by the legend that is Alex Graham.
I also loved the way they chose to involve their mums as their witnesses when they signed the Marriage Schedule.
Along with these pics from photographer Alan Meadows, Allan sent me these kind words.
Firstly Gary and I would like to thank you for doing our ceremony, all our guests have commented about how unique it was, funny, emotional and very well delivered. We were all very happy with the day - it really was the best day ever.
The whole day was faultless, but it just went in so quickly. We were both very humbled by the love, kindness and emotions shown though out the day, and both now appreciate more how lucky we are to have such a great group of amazing and supportive friends and family.
The ceremony was very personal to us, and we loved the way in which our story was shared with our loved ones.
Once again Tim many thanks for being a part of what truly was the most amazing day ever.
Gentlemen, it really was! I am sure there are lots of other photos which show just how emotional and moving a day it was, and if you're feeling brave, I hope you'll get Alan to send me some, but even without them, I think everyone reading this will get just how much it meant to you, your families and your friends, so thank you again for asking me to be your celebrant: it was a joy!
Monday, 5 March 2018
Claire and Ross's Humanist Wedding at Carlowrie Castle
Weddings are often seen as a 'girl' thing, so this story told from the groom's point of view is very special for lots of reasons. The words are from Ross: the atmospheric photos are by the gifted Suzanne Li.
The walk down the aisle is normally reserved for the bride and her wedding party. For me the importance of walking my mum down the aisle arm in arm was hugely significant.
Our wedding was the first major family event since my dad passed away back in April 2015, so it was a day full of mixed emotions both for myself and more so, for my mum. However, I know my dad was celebrating with us throughout the day. Tim, our celebrant, and toasts to my dad during the evening speeches, paid tribute to a great man.
After showing my mum to her seat, I joined my best men up front and the anticipation grew as we waited on my wife to be making her grand entrance. Having a couple of my trusted buddies beside me eased the nerves.
First to appear was my little cousin Craig, looking dapper for his first time wearing a kilt. He had been in training on the lead up to the wedding, practicing his walk down the aisle on his own carrying both rings on a small cushion. As soon as he entered and saw me at the other end of the aisle, all training went out the window and he ran at full speed, delivering the rings in spectacular fashion. Job done little cousin!!
Next down the aisle was Claire's cousin and our only bridesmaid, Jenny, and she looked amazing! I could tell from her face she was full of emotion. I was glad she was by Claire's side on the day, the two of them were as thick as thieves growing up.
Prior to the big day one of the best pieces of advice I received was to take moments throughout the day and make mental snapshots.
As the music started playing and the doors opened, Claire appeared with her dad at her side, this was one of my mental snapshot moments. Not only did she look amazing in her dress, but it was also the happiest I'd ever seen her.
I was the proudest guy in the room.
As she joined me up front we both had smiles from ear to ear. All that planning, the emails, phone calls, Skype sessions, venue visits, flights home for fittings, menu tastings, meetings with our wedding planner, photographer, videographer, celebrant and band had all culminated in this moment.
Tim commenced the ceremony with a short quip about humanist weddings and immediately put the room at ease. That set the tone, and from then on the remainder of the day flowed seamlessly.
The great work from everyone involved including our photographer and videographer, combined with our own mental snapshots of the day, ensured we now look back on our wedding fondly with many great memories.
Thank you so much, Ross. Your words mean the world to me, and I'm just so glad you and Claire decided to ask me to conduct your wedding!
The entrance of the groom can be every bit as important as the entrance of the bride. It's a chance for the groom to honour his relationship with his parents, and as Ross has shown, it's one of those moments when actions speak louder than words.
Thanks again to Claire and Ross, and of course to Suzanne Li for these lovely photographs
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Jill and Chris's Humanist Wedding at Mansfield Traquair
Just look at Mansfield Traquair . Could it be more calm and tranquil? Little did Jill and Chris know what was to come. If they h...
It's sometimes a good idea to have an Order of Ceremony, just so your guests know what's happening. It doesn't need to be ...
I love a DIY wedding. Yes, castles are wonderful, but getting married in your own back garden takes courage, and Michael and Zoe have p...
I absolutely LOVE mountain weddings, but they're not for the fainthearted. Even in good weather, getting up to the summit requires ...


text:
Excerpt from The Town Dish:
With all this in mind, we were curious to try a new brand of compostable straw from Repurpose Compostables, a brand that makes single-use plates, utensils, cups, napkins and more from non-toxic, BPA-free and 100% plant-based materials. The materials are compostable within 90 days in an industrial composting facility. One of the biggest selling points for these straws are their durability and ability to bend and flex — all things that are sacrificed with paper straws.
We got a box of Repurpose's straws and let our team try them out. Here's some of their feedback:
"This seems like a very legit straw to me." – Jay
"Little thinner than a normal straw — not sure if a thick milkshake would work with this, but for any other beverage they are great." – Rich
"I wouldn't think this was anything other than a plastic straw. It's great." – Jason
"My kids use straws all of the time. They would love these and never notice a difference." – Joe
"I'd absolutely buy these plant-based straws now that I know they exist." – Jenny
"My wife and I have switched to metal straws at home, which are great, but I prefer these! I like the feel of these, the flexibility and how lightweight they are." – Steve
"Paper straws are great, but when they collapse quickly and block fluids it can be a hassle. Using metal straws eases my mind a bit, but it's difficult to get the residue from smoothies or juice pulp out, and sometimes the metal straws can hurt if I'm sipping something quickly. These straws have no disadvantages, they are awesome!" – Mary
"It feels no different than a normal plastic straw. It bends nicely." – Anna


text:
Sometimes Nathan and I get these crazy ideas. Like that time we decided to buy a toy $20 cotton-candy maker from Walgreens, and it sort of worked one time, before it burned out.
Our new thing is tennis. Yes, tennis. (This may have come from Nathan watching some Wimbledon while we were at my parents' house over the fourth, but I'm not sure.) Also, the pool at our apartments is closed for renovations, so we can't work out by swimming. Great timing, guys! But I digress.
So we talked about it, got all excited, bought racquets and balls at Target, and then went with Jenny and Stace to play doubles. Apparently there are tennis courts at this park right behind our apartment. Who knew?
I am happy to report that even though I'm currently one step above sucking, I really, really like tennis. I like a sport! With the exemption of skiing, I've never been very athletic, but I am super competitive, as many of you know. So that's working in my favor as I try to improve. Today Stacy and I went in the late morning to play, and she helped me correct the way I swing my racquet. The other great thing is that even if you have to chase a tennis ball around, you're STILL buring calories. Nice!
Tuesday, July 10, 2007
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text:
I am a Libra; my astrological sign is the balancing scales. I don't, however, believe in astrology.
On the other hand, I do tend to see both sides of an argument.
Which can make decision-making interesting for me. So, I read articles about it.
I saw one the other day which featured Ram Charan¹ who co-wrote "Execution", one of my favourite books on strategy.
He's been working with accomplished business leaders for almost 30 years, watching them making some really difficult decisions.
Charan says they do 3 things when faced with a critical decision.
- First they focus on the end goal. They are very clear and specific about what has to be achieved. There is no ambiguity in their thinking.
- They consider all of the options or alternatives. They do not hesitate to think "outside the box" using their imagination and creativity, but temper the results with pragmatism.
- Then they go and get different points of view. Why, because critical decisions often deal with complex issues and the business world can move very quickly now. Getting diverse input helps them see as many aspects of a situation as possible.
Having done that, they use their judgment to focus on the 2 or 3 most important factors affecting the decision. Finally they think through the consequences of their decision. And come up with contingency plans to deal with them.
Of course they do these things simultaneously and complete the process relatively quickly.
The important point is that none of these steps are beyond the ability of the average business owner. A trait that entrepreneurs have to guard against, however, is the temptation to skip the third step – even when they've grown their companies to a point where they've hired a management team.
And, by the way, when I think I've looked at both sides of an argument for long enough, I recall advice I was given many, many years ago. A good decision is commendable; a bad decision is regrettable; but no decision at all is unforgivable.
Then I just do it.
¹ "What the Best Decision Makers Do", HBR Blog Network, 24 Oct 13
If you enjoyed this post you'll also enjoy 4 Decision-Making Tips for Business Owners
Click here and automatically receive our latest blog posts.
Jim Stewart is the founding Partner at ProfitPATH. He has been working with business owners for over 16 years to increase profits and improve the value of their companies. LinkedIn


text:
Saying goodbye to some veggies and hello to others
[ 2015 CSA Week 18 ]
We had our first frost on Saturday night, September 26, just before the super, harvest moon eclipse. The field tomatoes are totally wiped out now, as are the flowers. We salvaged a good amount of peppers, and we've still got some eggplant and tomatoes in the greenhouse. Even under the protection of the greenhouse, though, the tomatoes ripen very slowly, and, honestly, they just don't taste as good in the fall, so we're ripping those out to make way for winter hardy greens.
There will be lots of green tomatoes coming off the vines. There are lots of good recipes you can find for things like green tomato relish, fried green tomatoes, roasted green tomatoes, etc.
We cooked up a butternut squash this week, and it was pretty good. We think they'll continue to improve over the next couple of weeks, as the starches turn into sugars. They'll be available this week. You can decide whether you want to try them now or let them sit in your cupboard for a while.
For those of you who haven't yet tried the watermelon radish -- they're a mild tasting storage variety, so they'll keep for months in your fridge. While not very striking on the outside, the inside is a beautiful pink (hence the name). We like to peel and grate it to add pizzazz to salads.
This Week's Share...
Watermelon Radish
Brussels Sprouts
Winter squash
Green tomatoes


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Money Follows the Person Technical Assistance
Enacted by the Deficit Reduction Act of 2005, the Money Follows the Person (MFP) Rebalancing Demonstration is part of a comprehensive, coordinated strategy to assist States, in collaboration with stakeholders, to make widespread changes to their long-term care support systems. With the history and strength of the Real Choice Systems Change grants as a foundation, this initiative assists States in their efforts to reduce their reliance on institutional care while developing community-based long-term care opportunities, enabling the elderly and people with disabilities to fully participate in their communities.
The national contractor, New Editions Consulting, Inc., employs a technical assistance team that emphasizes a customized approach toward assisting grantees with successfully implementing their MFP Demonstration Program. The New Editions team works with each grantee to provide individualized technical assistance on MFP program implementation and design issues. The custom TA is complemented with general TA to promote best practices and provide guidance on MFP quality improvement strategies in the areas of system performance and individual consumer outcomes. Assistance is provided through individual state consultations, teleconferences, webinars, newsletters, peer-to-peer discussion groups and short-term intensive and customized knowledge sharing.
Money Follows the Person TA Login


text:
Phone Numbers
Contact Info
Customer Service
Local Listings
Get the App
© GetHuman Inc.
eBay: Darlene, YOU never called me as you promised. I...
A eBay customer review by GetHuman user GetHuman-drayremr from December 1st, 2017
Background on GetHuman-drayremr's case
GetHuman-drayremr - can you tell our other eBay customers when your case took place?
Yeah. It was middle of the night, on November 30th.
Did you reach out to eBay, and if so, how?
I used the 866-540-3229 number I found for on the GetHuman eBay customer phone number page I was on:
eBay Customer Service Phone Number
And which of these common eBay customer issues best describes the reason you wanted to talk to them?
Shows GetHuman-drayremr a list of common eBay problems
"Refunds and Returns" was why I was trying to call.
GetHuman-drayremr's review of eBay customer service
So how would you sum up your experience for GetHuman's eBay customer community? We'll censor any IDs, numbers, or codes and any inappropriate words here out of respect to the millions of other customers using this resource.
Darlene, YOU never called me as you promised. I was on the phone and finally after ** minutes of ...
Can you tell the rest of us a bit more from what happened on 11/30/17?
Darlene, YOU never called me as you promised. I was on the phone and finally after ** minutes of being transfered I ended up with RANDY in the Leaedership Team . He is the only one who understood my situation. He said he could see the problem and was going to need to do a MANUAL CORRECTION which could take ** hours. He also said he would get back with me. As of now I do not have any messages or phone calls from him and nothing has been applied to my bank account. PLEASE CALL ME *** *** **** OR EVEN BETTER , GET RANDY TO CALL ME FROM HIS DEPARTMENT. After * people looking at the transaction, he said he saw what had happened .---according to RANDY I sold a guitar Buyer paid with paypal buyer did not like the guitar I could not transfer money to my account buyer was to receive a refund, but due to a glitch they could not give it to him SO they debited my account for the price of the guitar. I NEVER RECEIVED ANY MONEY FOR THIS GUITAR AS I COULD NOT ACCESS IT. Randy in the leadership department looked and saw the problem. He told me he was going to do a manual correction on the account and this would take place in ** hours. Nothing has happened yet . As of yesterday , I am now receiveing yet another debit for **.** out of my bank account for a "PREAPROVED PAYMENT" There has been no preaproved payment and nothing has been pre approved Somebody please call me . I am tired of being ripped off. Randy has not called me yet . Previous Message Follows ------------------------- Hello Curran Papan, Thanks for your call about your account..I tried to call you but couldn't reach you with the following phone number ***-***-****Attempted to contact you to discuss the issue with item number ************. If you have any questions or concerns, we'll be happy to help you. To contact us:*. Click "Help & Contact" at the top of most eBay pages.*. Click the "Contact eBay" tab. You may be asked to sign in.*. Select the topic that best describes your issue, and we'll show you how to contact us. Thank youDarlene eBay Customer Service Representative
Let's quantify your experience contacting eBay. On a scale of 1 to 5, how easy is it go get help on a eBay problem?
I'd give them a three out of five for ease of finding your way to help.
What about quality of communication. How would you rate that on a 1 to 5 scale?
I'd give them a four out of five on communication.
And what about eBay's ability to quickly and effectively address your problem?
For that I would say three out of five.
And finally- any advice for other eBay customers?
Call them early in the day or late. Don't forget any personal or account information you might need for eBay to know who you are.
Well there you have it. Some useful feedback and words from GetHuman-drayremr taken from his eBay customer service problem that occurred on November 30th, 2017.
3.30 of 5 stars | 877 reviews
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GetHuman-drayremr's eBay Review
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3 out of 5 stars
Quality of communication
4 out of 5 stars
Timeliness and professionalism
3 out of 5 stars
Overall customer service rating
3 out of 5 stars
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International Gaudeamus Gaudeamus region 2008 and Prague 2008, exhibitions of post-secondary and lifelong learning will take place from 9 to 10 April 2008 at the Exhibition Grounds, Prague, in Křižíkova E. Hall
Gaudeamus have traditionally been a useful source of information for those interested in post-secondary and lifelong learning. Fair with 75 exhibitors will participate, will be represented by 102 faculty and more than 1800 study subjects.
This year the fair is waiting for you:
in Křižíkova E. Hall
For more information, visit fairs "www.gaudeamus.cz.": Http://www.gaudeamus.cz
Any use of content including receipt, distribution or other accessing articles and photos without the consent of the agent server Czech-universities.com prohibited.Copyrights: Czech-universities.com


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Shareholders of "Sakhalin-1" got off from shark Igor Sechin with little blood
"Rosneft" will receive 230 million dollars instead of 89 billion rubles.
Origin source
As suggested by Kommersant, Rosneft and the participants of the Sakhalin-1 offshore PSA project - ExxonMobil, the Rosneft structure itself, the Indian ONGC and the Japanese Sodeco - agreed on a peaceful settlement of the dispute, in which the Russian company demanded with the consortium
89 billion rubles.
The lawsuit filed by Rosneft in July related to the flow of oil from its northern end of Chayvo to the Sakhalin-1 Chayvo field.
According to Reuters, within the framework of the global investors, Sakhalin-1 will pay Rosneft only $ 230 million.
The Sakhalin-1 consortium, an oil production project under a production sharing agreement (PSA), agreed with Rosneft on a peaceful settlement of the oil transfer dispute, Reuters reported, citing Naryndra Verma, managing director of ONGC Videsh.
The Russian company filed a lawsuit in mid-July for 89 billion rubles.
to the operator of the PSA project Exxon Neftegaz (owned by American ExxonMobil, owns 30% of Sakhalin-1), its own structures Sakhalinmorneftegaz-Shelf and RN-Astra (cumulatively 20% in the PSA), ONGC (20%) and the Japanese
Sodeco (30%).
According to Reuters, the consortium participants agreed to pay the Russian oil company $ 230 million (about 15 billion rubles at the current exchange rate).
Rosneft does not comment on the topic.
It was not possible to contact the representative of Exxon quickly.
In the summer disclosure of ONGC, it was specified that Rosneft's claims relate to the flow of oil from the Russian company's North End Chayvo field to the neighboring Sakhalin-1 Chayvo field.
The fact that the parties could reach an amicable settlement was suggested in the summer by lawyers interviewed by Kommersant, referring to the general practice of resolving such disputes.
Then ONGC itself declared about such negotiations.
It follows from ONGC data that Rosneft calculated losses from Sakhalin-1 actions since 2005 (then commercial production began under the PSA), when the state-owned company did not yet have a license for the Chayvo northern end (issued in 2011, from 2013).
Sakhalin-1 served for Rosneft for drilling services at the field).
Production at the Rosneft asset began in 2014 using the Sakhalin-1 infrastructure, but in 2017 it fell 1.7 times to 1.4 million tons.
The meeting on the claim of "Rosneft" in the Arbitration Court of the Sakhalin Region is scheduled for November 2.
Sechin Igor
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Transneft and Rosneft exchanged harsh statements
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Kathi M. Crowe, LICSW
5 CECs
Monday, December 10, 2018
9:30 am – 4:00 pm
Location: Hartford Public Library (Room 026), 500 Main St, Hartford, CT
Fees: $110 – UConn School of Social Work Alumni and Current Field Instructors
$125 – All others
Through the use of humor and a fresh perspective, this seminar will explore the challenging developmental stage of adolescence. We will examine the developmental tasks and characteristics of adolescence with special attention paid to the behaviors that fall within and outside of "normal" adolescence. Adult attitudes towards youth will be examined, as well as the impact that these attitudes and beliefs have on our ability to work successfully with this population.
This seminar will enhance your understanding of the concepts of Positive Youth Development and Asset Building and explore how to integrate these philosophies into your work. You will learn techniques for engaging with adolescents and discover how to motivate them to work towards goals. The seminar is interactive and will incorporate various teaching techniques including video.
This seminar will enable you to:
- identify the tasks and characteristics associated with adolescence
- explore adult attitudes that help, or hinder, successful work with youth
- understand the concepts of Positive Youth Development and Asset Building
- engage more effectively with adolescents
- motivate youth to work towards service plan goals of self-esteem and important principles of positive youth development


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Green Drinks Film Screening
Today, most aspects of America's modern society functions on oil. But how long can the status quo last?
At Green Initiatives' 59th Film Screening, they are re-screening Fuel, a classic tale of caution about our major reliance on a finite resource. Winner of the audience award at Sundance Film Festival, Fuel is a 2008 documentary film directed by Josh Tickell. The feature examines America's troubled dependency on oil and seeks out sustainable alternative sources. Can we cure our addiction on oil? How do we depose our toxic wastes from oil refineries? What are sustainable fuel resources? What's going to happen if we keep consuming oil at the current rate? How has our environment been affected by our oil consumption?
Film screening will be followed by a short discussion.
Thursday 18 February 2016 | 19.00 - 21.00
Haworth Furniture,
Jingan Kerry Center Tower 1 | 32F
1515 West Nanjing Road
There will be an entrance fee of ¥50 for all registered guests, that includes snacks, beverages and wine. ¥70 for non-registered guests. ¥20 for students and interns, with PRIOR REGISTRATION.
To register click here
Film Synospsis
Eleven years in the making, FUEL is the in-depth personal journey of filmmaker and eco-evangelist Josh Tickell, who takes us on a hip, fast-paced road trip into America's dependence on foreign oil. Combining a history lesson of the US auto and petroleum industries and interviews with a wide range of policy makers, educators, and activists such as Woody Harrelson, Sheryl Crow, Neil Young and Willie Nelson. Animated by powerful graphics, FUEL looks into our future offering hope via a wide-range of renewable energy and bio-fuels. Winner of the Sundance Audience Award.
The events of Sept. 11 and Hurricane Katrina factor in both visually and thematically, providing provocative anchors for the movie's indictment of what Tickell believes is the Big Oil-cozy, ecologically indifferent Bush administration.
Rosie Pidcok currently manages the Commercial Solar division in China for UGE, a global full service renewable energy provider. In her role with UGE she develops and manages financed rooftop solar opportunities for multi-national companies operating in China. Rosie previously led the Built Environment program for the China Greentech Initiative (now part of the Paulson Institute) and managed the launch of The China Greentech Report 2013, the foremost resource for commercial opportunities in China's greentech industry.


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Title: Deprivation; or, Benedetto furioso: an oneiromancy
Author: Alex Jeffers
Publisher: Lethe Press
Amazon: Buy Link Deprivation; or, Benedetto furioso: an oneiromancy
Genre: speculative gay fiction
Length:130,000 words
Rating. 4.25 stars out of 5
A guest review by Sirius.
Summary: Unusual book with reality and dreams mixed together so much that it was hard to figure out what was real. I liked it overall.
the interpretation of dreams in order to foretell the future.
Sleep deprivation does funny things to your head. Steeped in the romance of Renaissance Italian literature, Ben Lansing isn't coping well with the routines of his first post-college job, his daily commute from Providence, Rhode Island, to Boston, the inevitable insomnia and lack of sleep, or the peculiarly vivid dreams when he does manage to sleep.
For Ben "wished to be a paladin. He wished to mount Ariosto's hippogriff and fly to the moon. He wished to sing a Baroque aria of stunning, shocking brilliance, bringing the audience to its feet roaring, 'Bravo! Bravissimo!' He wished to run mad for love."
When Ben encounters a lost prince squatting in a derelict South Boston warehouse with his little sister and elder brother, exiles of an imaginary Italy, he resolves to rescue Dario and Dario's family—and himself. Stumbling from dream to real life and back again, Ben begins a fabulous quest. Amid visions of futures, pasts, strangely altered presents, he encounters mythic personages—raffish bike messenger/artist Neddy, dilettante translator Kenneth, his own mother and father. He falls in and out of love. He witnesses the flight of the hippogriff and the collapses of the New England economy and his parents' marriage. He discovers what he never knew he was looking for all along.
In Deprivation, a novel as real as a fairy tale or romantic Renaissance epic, neither Ben nor the reader can ever feel certain of being awake or dreaming, walking the streets of Boston or the mazy paths of dreamland. Can you separate wish from fulfilment? Do you want to?
I wanted to read something unusual, beautiful and thought provoking, and based on my past experiences with this writer's work, I figured I would get it. The book delivered, but it also delivered some unexpected frustration along with it.
As you can see from the blurb, the protagonist in the book, Ben, sometimes (or often) loses track of when his experiences are real and when he is dreaming. I thought it would be fun to read a the book like that, and I certainly was not bored as the writing flowed easily, etc. I am not sure if I agree with the blurb that Ben is going on any sort of quest, though, since we are just witnessing him living his life while he is awake and/or asleep.
It was truly impossible for me to figure out what experiences are supposed to be real, and I suspect this is at least partially the point. Mythical and real were intertwined so tightly that I had no idea how to separate that. I mean, I thought I got the hang of what was real at some point, but it was definitely not quite what the blurb suggests. Again, I thought the uncertainty was fun and amusing, but of course then I started thinking, what was the reason for such uncertainty?
See, the unexpected frustration I felt was because when you do not know what is real and what is not, if you are like me at some point you start to think that you do not really know the narrator, because when something is not really happening, it is not really supposed to reflect the character's experiences, his maturing, right?
What I decided is, real or not, it is still Ben's experience even if it is reflected in the bizarre way in his dreams and decided to run with it. I think I ended up liking him quite a bit. I started to wonder whether his dream-like experiences reflect the things which he wants but cannot obtain in his life? At some point one of the characters in the book (Kenneth, who is referenced in the blurb) says this:
"When I'm conscious, I really only think in words and sentences. I don't have any visual memory at all. Dreams are mostly image, I can't hold onto them"
I wonder if this sentence can be applied to Ben as well. If Ben's journey is a quest (while the blurb does describe it as such I did not think about that way at first), then I guess it is a quest for love first and foremost. But please do not expect a romance — different men (again, not sure whether all of them were real) seem to pop in and out of Ben's life, but the author does not devote nearly enough time to developing Ben's relationship with any of them to consider the book a romance in my opinion. At one point in the book Ben thinks that he is in love with the most elusive figures of them all.
"But what Ben really had wanted to say was: I'm scared of myself. I'm scared of these feelings, this depth of feeling. I've never really been in love before"
I wonder if that meant that first Ben fell in love in the dream to get himself used to the idea that he can and will fall in love, and when that eventually and hopefully could come he would be ready for it? I guess it was also opened for the multiple interpretations as so many things in this book.
But the book touches on so many other themes such as art and music (I am sure there are many art references in Ben's everyday life and dreams that I missed). We get to witness some of Ben's relationship with his parents and I am sure at least part of that was presented as a dream (no do not ask me which one 🙂 as I have no idea).
I think the mix of all those themes was successful, and as I said, while I ended up liking Ben and wishing that the last page of the book was really happening, I am still not sure whether I really know him.


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A fast and the furious esque train ride. Zombies devouring humans who 10 seconds later turn into, yes 10 seconds, more zombies. The nation of South Korea crumbling apart. This is definitely a movie to go see. I'm not the biggest fan of zombie type movies, but I have seen a few of the best ones and Korean director Yeon Sang-Ho's movie, Train to Busan is one of them. The film was a non-stop action packed and had an ongoing feel of suspense that kept you on the edge of your seats. The acting was top-notch, the script and characters were excellent and the cinematography was able to create quite a few good jump scares.
Coming into the cinema, I didn't really have any expectations for the movie. When I found out that it was in Korean, I was expecting a more comedy-ish type of movie, with cheesy effects and a predictable plot. What actually surprised me the most was that the movie had a decent plot. Often we see Zombie movies that sort of just jam a couple of thousand zombies and huge explosions together (*ahem World War Z), but Train to Busan actually had an interesting thing going with the idea of putting the victims in a train. It also had a good side-plot of how each and every character would react when facing an apocalypse. The idea of "helping others" and sacrifice, and how the protagonist (Gong Yoo) changed from being "I-only-lookout-for-myself" type of guy to a hero.
The zombies also the weren't slow and draggy zombies of "The Walking Dead", they were fast, wild and vicious type. Their appearances were actually scary and every time you see them you'd get the feeling they were actually coming for you next. In between action scenes there was always an unsteady feeling, as if a zombie surprisingly would pop out of nowhere. It's as if the characters were in constant danger all the time, you'd never feel safe. Even in the end, when the surviving characters are about to face the human survivors, they still face near death situations.
Never in my life have I met have seen such a hateable character in the history movies (Jar Jar Binks excluded). Seriously, this guy was a complete asshole throughout the ennnnntiiiireeee movie. It's like a mixture of Joffrey Baratheon with a hint of the korean bully at my school. I was waiting for this guy to get his get his guts destroyed by a gigantic train. Props to Yeon Sang-Ho for creating such a disgusting character, because really, I'd rather stay in a room full of zombies than have a date with this douche. But in all honesty, I think that the set of characters in this train ride was crafted perfectly. (Spoiler Alert) It was sad to see the characters die one by one, especially the badass dude (Ma Dong-Seok) who single handedly 1v1000d the zombies, rest in peace man, rest in peace.
A very entertaining train ride indeed even though the plot may lack some depth and there were a few pacing issues, the movie overall was a solid zombie flick. It is, for me, one the best zombie movies I've seen and is definitely a must see film of 2016. A big WIN for the Korean film industry and director Yeon Sang-Ho, who is already planning a sequel.


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Reach for this bold criss-cross design when you're looking to make a big statement! Split bands of pavé-set Round Brilliant Nexus Diamond alternatives overlap for a smooth, modern look, filled with ultimate diva sparkle!
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Airbnb says court dismisses Aimco lawsuit
Jan 2 (Reuters) - Airbnb said a U.S district court dismissed a lawsuit by Apartment Investment & Management Co that claimed the short-term rental website allowed tenants to break their lease agreements through unauthorized sublets.
The REIT claimed tenants frustrated with Airbnb left Aimco properties and also alleged Airbnb activities caused its properties "reputational harm".
"We are pleased with the court's decision that ensures Airbnb can continue to support tenant hosts who use our platform to help pay the bills," the home rental site said following the win. (Reporting by Sanjana Shivdas in Bengaluru; Editing by Shounak Dasgupta)
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About The Pageant
Details of The Pageant in 2020 will be announced in the Autumn
2019 marks the 200th anniversary of the birth of Queen Victoria and to celebrate this significant occasion, The Pageant will be staged by the BAFTA award-winning team on the evenings of 9th, 10th and 11th May at Royal Windsor Horse Show.
The 90-minute show will bring together memorable events and aspects from the Victorian era. This will include everything from Elgar, the music hall and Gilbert & Sullivan to author Charles Dickens, rail travel and the Industrial Revolution.
A cast of artists, dancers and performers, together with 500 participants, more than 400 horses and 30 carriages will re-create 19th century Great Britain and the reign of Queen Victoria in a theatrical performance in the shadow of the floodlit Windsor Castle.
Alongside The Household Cavalry and The King's Troop Royal Horse Artillery will be the Czikos from Hungary, the acrobatic and daring Land of Fire Display from Azerbaijan, Pipes & Drums, dancers from the music halls, performers from Gilbert & Sullivan operas and a Balmoral Dressage Quadrille. Further details of the acts will be announced closer to the time.
This event joins the Pageant Series at Royal Windsor Horse Show, which over the years has included All The Queen's Horses (2002), Windsor Castle Royal Tattoo (2008 to 2011), The Diamond Jubilee Pageant (2012) and The Queen's 90th Birthday Celebration (2016).
Be Up To Date With The Pageant News
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to keep up to date with all the latest news & information


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Media Release
Bay State Savings Bank Celebrates Employee Appreciation Day - March 4, 2016
March 4, 2016
WORCESTER, MA: March 2016 - Today is "Employee Appreciation Day," and even though Bay State Savings Bank appreciates its employees EVERY day, we'd like to publicly thank all of our employees for the efforts in making our company successful.
We also want to take this opportunity to recognize two employees who have recently gone above and beyond expectations to achieve special honors within the Bank.
Kathryn Miller Desroches is the deserving recipient of the 2015 President's Award for Community Service. This award is given annually to the employee who has performed the most community service during the year. With close to 100 hours of volunteering with organizations like The Mustard Seed, Pancreatic Cancer Alliance, United Way, Community Cat Connection, American Cancer Society and Girls Inc., Kathryn exemplifies the Bank's culture and philosophy of giving back to the community in which she lives and works.
The Employee of the Quarter Award honors an employee who has been nominated by his/her co-workers for service above and beyond normal expectations. The first winner of 2016 is Joseph Ewing, Assistant Branch Manager of our Holden Office.
Joe has been described as flexible, patient and easy-going. He takes the time to answer questions, rarely says no to a request and never complains. In recent months, Joe has proven his indispensability through his willingness to assume additional responsibilities, while continuing to meet his existing obligations.
Thank you to both Joe and Kathryn for your exceptional commitment to Bay State Savings Bank !!!


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Join us in our Nation's Capital June 11 – 13 to speak with lawmakers and federal agency representatives about trade and labor issues impacting the structural building components industry. READ MORE
Please register by May 8 so SBCA staff has time to coordinate meetings between registrants and their elected officials. Information for these meetings will be provided during the Legislative Briefing.
SBCA has not reserved a room block for this event. Please find a hotel on your own or feel free to contact staff or call Jill at 608-310-6722 for assistance.
Hotel Recommendations:
Holiday Inn Washington-Capitol
Just a few short blocks from the Capitol.
Hampton Inn & Suites Reagan National Airport
Close to the airport with easy access to the D.C. Metro. Easy to Uber or Lyft to and from The Capitol.
Hilton Crystal City at Washington Reagan National Airport
Close to the airport with easy access to the D.C. Metro. Easy to Uber or Lyft to and from The Capitol.
Schedule of Events:
Monday, June 11
- 6:30 p.m.: Group Dinner & Legislative Briefing
Carmines - Washington, D.C. (425 7th Street NW Washington, DC 20004)
Tuesday, June 12
- 8 a.m. – 5 p.m.: Legislator Visits on Capitol Hill
- 5:30 p.m.: Group Dinner
District Chophouse (509 7th St. NW, Washington, DC 20004)
Wednesday, June 13
- 10 a.m.: Meeting with the office of the United States Trade Representative
- 11:30 a.m.: Meeting with the Department of Labor, Office of Workforce Investment, Employment and Training Administration
If you have any questions regarding registration, or would like more information about the event, please do not hesitate to contact staff or call TJ at 608-310-6736.


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Coinbase Ventures & Digital Currency Group Invest in Flipside Crypto
Flipside Crypto, a firm that utilizes blockchain transaction data, developer activity and trading signals to characterize cryptocurrencies, has added Coinbase Ventures and Digital Currency Group as investors. Previous investors True Ventures, Castle Island and Boston Seed Capital also joined the round.
Flipside Crypto's data produces the Flipside Crypto Asset Score (FCAS), a single, consistently comparable value for measuring cryptocurrency project health. FCAS, and associated data, is made available to retail investors and entrepreneurs via Flipside Crypto's Coin Health Library.
"We're thrilled to add Coinbase and Digital Currency Group to our roster of investors, as we further establish a standard for cryptocurrency evaluation and measurement," said Flipside Crypto CEO, Dave Balter. "The cryptocurrency market is maturing and institutional and retail investors are becoming more sophisticated, seeking information beyond market cap and pricing data to understand cryptocurrency projects. FCAS provides a simple, easy-to-understand way to go 100x deeper than before."
"Crypto exchanges and blockchain networks generate massive amounts of raw data, and the volume of such data will explode in the coming years as the technology sees broader adoption," said Travis Scher, VP Investments, Digital Currency Group. "We anticipate there will be significant demand for products and services that can help investors and entrepreneurs understand this data, and Flipside Crypto is leading the charge with some of the most sophisticated and interesting data tools in the market. We're excited to support them, and expect big things from Dave and his team."
Emilie Choi, VP Corporate and Business Development of Coinbase, added, "Coinbase Ventures supports companies that we believe can bring us closer to our mission of creating an open financial system for the world. We think that Flipside Crypto and its unique approach to tracking utility and developer activity for cryptocurrencies will have a significant and beneficial impact on the industry as a whole. We couldn't be more thrilled to be a partner for Flipside and its leadership team in its next phase of growth."
Flipside Crypto was founded in 2017 by veteran entrepreneurs Dave Balter, Eric Stone and Jim Myers, who previously built Smarterer, a machine-learning skill assessment platform that was acquired in 2014 by Pluralsight. True Ventures led the initial investment in Flipside Crypto, the third company they've backed by this founding team.
"The cryptocurrency market continues to evolve, and we're still in early innings," said Adam D'Augelli, partner at True Ventures. "We're thrilled to get behind a business that's defining how major institutions will analyze cryptocurrency projects. Plus, we've worked with Dave and the team across multiple companies and for nearly a decade. They're fantastic at building compelling data products, and it felt natural to work with them again."
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Facebook's Libra seeks Swiss payment system license
Facebook's Libra cryptocurrency project is seeking a Swiss payment system license, financial watchdog FINMA said on Wednesday, noting the breadth of the planned services would require broad oversight. The world's largest social media network announced plans in June to launch a cryptocurrency as it seeks to expand beyond social networking and move into e-commerce and global payments, though the plans have drawn intense scrutiny from global financial officials.
"Due to the issuance of Libra payment tokens, the services planned by the Libra project would clearly go beyond those of a pure payment system, FINMA said, noting this mean it would be subject to such additional requirements.
These would extend to capital allocation for credit, market and operational risks, risk concentration and liquidity, and the management of the Libra reserve, it said. "We are engaging in constructive dialogue with FINMA and we see a feasible pathway for an open-source blockchain network to become a regulated, low-friction, high-security payment system," the Geneva-based Libra Association said.
It has asked FINMA to clarify the status of the association and the Libra coin under Swiss supervisory law, the regulatory said. [bit.ly/2kEP7bk]
U.S. Under Secretary of Terrorism and Financial Intelligence Sigal Mandelker told reporters in the Swiss capital on Tuesday that cryptocurrency project must meet the highest standards for combating money laundering and terrorism financing if it is to get off the ground.
"Whether it's bitcoin, Ethereum, Libra, our message is the same to all of these companies: anti-money laundering and combating the financing of terrorism has to be built into your design from the get-go," Mandelker said.
ArBinance Makes Arbitrage Trading Easier
ArBinance is a cryptocurrency arbitrage platform. It allows traders to benefit from the difference in price value between cryptocurrency markets.
The platform, which deals with over 100 cryptocurrency exchanges, aims to make arbitrage trading easier for professional and novice traders alike. The trading platform uses its specially designed software that is both highly functional and easy to use for traders.
Seeing that arbitrage is not only about finding beneficial trades but making them promptly, ArBinance's software is built with efficiency in mind. The platform's application instantly identifies profitable trade opportunities and acts upon them just as swiftly. This process makes sure that individual traders could benefit from market events within seconds of their initiation.
ArBinance is Allowing Users to Take Fair Advantage of Arbitrage
Arbitrage trading refers to the practice of benefiting from the difference in price value between various markets. When traders spot this price difference, they buy the asset from the lower-cost market and sell it in a place where it is at a higher price.
This difference is simply a fraction of the total price of the asset. As such, buying and selling it in a single transaction does not bring in massive profits. But when this price difference is spotted, and essential purchases or sales are made a few times a day, it could bring in astounding results. That's one of the many reasons why arbitrage trading is so prevalent in conventional markets.
As the cryptocurrency market grows with more and more exchanges, arbitrage trading has also started to gain significant traction within the sector. More exchanges mean more opportunities to spot pricing differences, which translates to higher profitability.
Traders must be their best at all times to determine the price difference between hundreds of exchanges. Since no one can keep up with an avalanche of trades, traders are not able to gain full advantage of arbitrage trading even if they want to do so.
That is where automated solutions such as ArBinance come in.
ArBinance Offers Targeted Arbitrage Solutions
To help traders make the most out of arbitrage trading, ArBiance has designed an intuitive interface. The application is easy to use and boasts of a few significant functions, such as the ability to perform automated arbitrage trading. Trades are possible even when users are away from their computer screens.
ArBinance works round the clock and lets its users take advantage of 24/7 arbitrage to make sure that they never miss out on potential gains. The automated platform has been designed to spot price differences in over 100 hundred cryptocurrency exchanges and make trades instantly. This way, traders can benefit from relevant opportunities without manual tracking of prices or execution of trades.
ArBinance provides its arbitrage solutions through its website, where interested traders could sign up to use its services. To learn more about ArBinance and its offered trading solutions, head to ArBinance.com today.
Binance Partners with Paxos to Launch USD-Backed Stablecoin 'BUSD'
The regulated financial institution that digitizes and mobilizes assets, Paxos Trust Company, and global cryptocurrency exchange and blockchain ecosystem, Binance, today announced its partnership to launch a USD-denominated stablecoin, Binance USD (BUSD), which has received approval from the New York State Department of Financial Services (NYDFS).
Rich Teo, Paxos Co-Founder and CEO Asia, commented, "NYDFS's approval of BUSD is a vital step towards long term stability in global crypto markets. We are proud that our stablecoin as a service offering enables trusted companies like Binance to introduce products customized for their users. The Paxos brand symbolizes regulatory integrity, consumer protection and transparency for all of our partners."
Later this month, BUSD will be available on the Paxos platform for direct purchase and redemption 1:1 for U.S. dollars and available on Binance.com for trading initially against BTC, BNB and XRP. Paxos will serve as the USD custodian and issuer of BUSD.
"Paxos is leading the digital trusts space and we are excited to work with them in developing our native stablecoin," said CZ (Changpeng Zhao), Binance CEO. "We hope to unlock more financial services for the greater blockchain ecosystem through the issuance of BUSD, including more use cases and utility through the power of stable digital assets."
Additional details regarding this partnership will be revealed on-stage at Invest: Asia 2019 where Paxos' Rich Teo and Binance's CFO Wei Zhou will discuss it live on September 12, 2019, at 4:20 pm local time.
Alibaba, Tencent, Five Others To Receive First Chinese Government Cryptocurrency
China's central bank will launch a state-backed cryptocurrency and issue it to seven institutions in the coming months, according to a former employee of one of the institutions who is now an independent researcher. Paul Schulte, who worked as global head of financial strategy for China Construction Bank until 2012, says the largest bank in the world, the Industrial and Commercial Bank of China, the second largest bank in the world, his former employer, the Bank of China, the Agricultural Bank of China; two of China's largest financial technology companies, Alibaba and Tencent; and Union Pay, an association of Chinese banks, will receive the cryptocurrency.
A separate source, who's involved in the development of the cryptocurrency, dubbed DC/EP (Digital Currency/Electronic Payments), confirmed that the seven institutions would be receiving the new asset when it launches, adding that an eighth institution could also be among the first tier of recipients. The source declined to provide the name of the additional company. Speaking under terms of anonymity, the source, who previously worked for the Chinese government, confirmed that the technology behind the cryptocurrency has been ready since last year and that the cryptocurrency could launch as soon as November 11, China's busiest shopping day, known as Singles Day.
At the time of launch, the recipient institutions will then be responsible for dispersing the cryptocurrency to 1.3 billion Chinese citizens and others doing business in the renminbi, China's fiat currency, according to the source. The source added that the central bank hopes the currency will eventually be made available to spenders in the United States and elsewhere through relationships with correspondent banks in the West. "That's the plan, but that won't happen right away," the source said.
The plan to use a diverse set of China's trusted institutions to disperse the cryptocurrency is reminiscent of a number of other ideas currently percolating around the world. For instance, Facebook's planned libra cryptocurrency will be backed by a basket of currencies issued by central banks with support from companies like Mastercard and Uber in the United States, Vodaphone in England and Mercado Pago in Argentina. And last week, Bank of England governor Mark Carney floated the idea of a new currency backed by a number of central banks to replace the U.S. dollar as the global reserve currency.
What sets China's DC/EP apart from libra and Carney's "synthetic hegemonic currency" (SHC), according to Shulte, is that while libra is little more than early-stage computer code and the SHC doesn't appear to have gone much further than Carney's mind, the Chinese cryptocurrency is ready to launch. "China is barreling forward on reforms and rolling out the cryptocurrency," says Schulte, who now runs an eponymous bank research firm. "It will be the first central bank to do so."
Facebook Posts Lobbying Retainer Amid Cryptocurrency Controversy
Facebook has hired a Washington-based lobbying firm in light of increased Congressional and regulatory pushback the social media network has received due to its forthcoming cryptocurrency offering, Libra
The social media giant in August retained consulting shop FS Vector for support on "issues related to blockchain policy," according to lobbying registration documents filed with Congress.
Facebook formally unveiled the details of its planned blockchain digital currency initiative in June, which could potentially bring the world's "unbanked" billions into the digital economy by allowing anyone to securely buy, sell or send money to others via Facebook. The proposed digital currency, which has yet to meet regulatory approvals, is set to launch sometime next year.
Announcement of the social network's forays into the digital asset space has since raised serious concerns among lawmakers. Congress in July drafted a bill, titled "Keep Big Tech Out of Finance Act," which would prohibit "large platform utilities"—defined as a tech company that earns annual global revenues of $25 billion or more—from being a financial institution or operating "a digital asset that is intended to be widely used as medium of exchange, unit of account, store of value, or any other similar function, as defined by the Board of Governors of the Federal Reserve System."
House Financial Services Committee Chair Maxine Waters (D-CA) in June called for a moratorium and Congressional review of Facebook's Libra project, "given the company's troubled past." Appearing in July on CNBC's "Closing Bell," Waters likened Facebook's cryptocurrency venture to "starting a bank without having to go through any steps to do it."
Federal Reserve chairman Jerome Powell in July posited that "Libra raises many serious concerns regarding privacy, money laundering, consumer protection and financial stability."
President Trump raised concerns about Facebook's proposed cryptocurrency as well, tweeting in July that "if Facebook and other companies want to become a bank, they must seek a new Banking Charter and become subject to all Banking Regulations, just like other Banks."
FS Vector, which was founded in 2018, bills itself as a regulatory compliance, public policy and business strategy advisory firm that specializes in the fintech, cryptocurrency, blockchain and financial services markets.
FS Vector partner John Collins leads the Facebook account. Collins formerly served as vice president of international policy at the American Bankers Association's international subsidiary, the Bankers Association for Finance and Trade. Prior to that, he was a staffer on the U.S. Senate Committee on Homeland Security and Governmental Affairs and also led Congress' first work into digital currencies in 2013.
SEC Warns Over Crypto Trader Investment Scams
The Securities and Exchange Commission's (SEC) is warning over a new form of investing scam, in which victims are lured into investing with websites claimed to be legal digital currency traders operating overseas.
Pol Lt Co Woranan Silam, a spokesman for the Department of Special Investigation, on Saturday relayed the SEC's warning to the public, saying FX Trading Corporation is not authorised to trade in digital currencies as claimed.
Several other companies and websites are also involved in the fraud, he said. Most claim to be foreign companies operating outside Thailand offering services via their online portals. It is not known how much they have ripped off from an unsuspecting public.
The SEC says it has authorised only three companies to operate digital assets businesses, namely Bitcoin Co (www.bx.in.th), Bitkub Online Co (www.bitkub.co.th) and Satang Corporation Co (www.satang.pr), he said. And Coins TH Co (www.coins.co.th) is the only authorised digital currency broker or dealer, he added.
The spokesman also warned that, since the scams also involved overseas companies, Thai authorities require cooperation from their counterparts in other countries to investigate or step in as appropriate.
Such probes could take years to conclude or recover any lost investments, he said.
Binance Announces Open Blockchain Project 'Venus'
Binance announced its plans to initiate an open blockchain project, Venus, an initiative to develop localized stablecoins and digital assets pegged to fiat currencies across the globe. Binance is looking to create new alliances and partnerships with governments, corporations, technology companies, and other cryptocurrency companies and projects involved in the larger blockchain ecosystem, to empower developed and developing countries to spur new currencies.
With its existing global blockchain ecosystem, Binance has already reserved its public chain technology and cross-border payment system for secure operations of new stablecoins. Since its launch last April, Binance Chain has been running securely and robustly and has issued a range of stablecoins, including a BTC-pegged stablecoin (BTCB) and the Binance BGBP Stable Coin (BGBP) pegged to the British Pound. Binance will provide full-process technical support, compliance risk control system and multi-dimensional cooperation network to build Venus, leveraging its existing infrastructure and regulatory establishments.
Binance welcomes additional government partners, companies and organizations with a strong interest and influence on a global scale to collaborate with us to build a new open alliance and sustainable community. We encourage like-minded people and organizations to contact us and discuss the infinite possibilities of the digital world together: firstname.lastname@example.com.
'Strategic differences' force departure of Swiss digital exchange boss
The CEO of Switzerland's crypto assets stock exchange will step down just eight months into his job following disagreements on how the nascent trading platform should be run. Martin Halblaub will depart at the end of August when his contract expires.
SIX Groupexternal link, which owns the Swiss stock exchange and its SDX digital exchange projectexternal link, played down the development, saying it will not affect the operation or its timetable. But this may be viewed as a blow for Switzerland's ambition to host the first national stock exchange to trade a new breed of digital assets.
"I fully support SDX's ambition and business model and would have loved to lead SDX into the future. However, I have decided with a heavy heart – given our differing ideas on strategy, combined with the stretch the role is for my life model – that I cannot engage in a long term commitment as Head of SDX," Halblaub is quoted in the memo.
The key strategic difference is that Halblaub wanted SDX to be launched as an independent company – a plan that grated with SIX's board who wanted the new exchange to operate under the overall SIX umbrella.
Halblaub will be replaced as SDX CEO on September 1 by Tomas Kindler on an interim basis, according to an internal memo released on Tuesday. Halblaub's tenure has proved short-lived having only been appointed to the top position at the start of this year.
Kindler is currently number two to Thomas Zeeb, head of securities and exchanges at SIX. Zeeb says in the memo that an "executive search" has been launched to find a permanent replacement and that Kindler is one of the candidates they are looking at. Zeeb added that Halblaub has expressed an interest in remaining at SDX as a senior advisor.
Global competition
"Martin [Halblaub] led SDX through its initial phase with great success. He helped shape SDX's ambition, strategy and business model and has built a strong Management team around him. We thank him for his support during this phase," SIX CEO Jos Dijsselhof says in the memo.
In an interview with the NZZ am Sonnntag newspaperexternal link on Sunday, Dijsselhof made no mention of the internal conflicts at SDX.
Announced in July 2018, the SDX project was initially timetabled to be operational by mid-2019. But that date has been put back to the first or second quarter of 2020 following internal tests later this year with banks that have ownership stakes in SIX.
SDX faces competition from several other countries and one domestic project as it seeks first mover advantage in the tokenized digital asset business that has been tipped to bring vast efficiencies to the trading of shares, bonds and an anticipated wave of new financial products.
Projects ranging from Germany, the United States and Thailand are also bidding to become the first national crypto asset exchanges. Budding crypto bank Sygnum in Zurich has teamed up with national telecoms operator Swisscom, the Deutsch Börse and other partners to offer a Swiss trading alternative.
SEC Obtains Freeze of $8 Million in Assets in Alleged Fraudulent Token Offering and Manipulation Scheme
The Securities and Exchange Commission announced fraud charges against a Brooklyn individual and two entities under his control who allegedly engaged in a fraudulent scheme to sell digital securities to investors and to manipulate the market for those securities. On Aug. 12, 2019, the court entered an emergency freeze to preserve at least $8 million of the $14.8 million the defendants raised in 2017 and 2018 in an offering of digital securities.
The SEC filed charges against Reginald "Reggie" Middleton, a self-described "financial guru," and two entities he controls, Veritaseum, Inc. and Veritaseum, LLC (collectively Veritaseum). The Commission's complaint, filed in federal court in Brooklyn, New York, alleges that the Defendants marketed and sold securities called "VERI" tokens on the internet, inducing retail investors to invest based on multiple material misrepresentations and omissions. Among other things, Defendants allegedly knowingly misled investors about their prior business venture and the use of offering proceeds, touted oversized – but fictitious – investor demand for VERI, and claimed to have a product ready to generate revenue when no such product existed. The complaint further alleges that Middleton manipulated the price of the VERI tokens trading on an unregistered digital asset platform. The complaint also alleges that Middleton recently moved a significant amount of investor assets and then dissipated a portion of those assets, transferring them to Middleton's personal account.
"After learning about Middleton's transfer of funds, we took quick action to prevent the further dissipation of investor assets," said Marc P. Berger, Director of the SEC's New York Regional Office. "Whether in digital currency or plain cash, we will act to protect investor assets and to pursue fraud and manipulation in our securities markets."
The SEC's complaint charges Middleton and Veritaseum with violating the registration and antifraud provisions of the U.S. federal securities laws, and Middleton with additionally violating the antifraud provisions on the basis of his manipulative trading. The complaint seeks permanent injunctions, disgorgement plus interest and penalties, and a bar from offering digital securities. For Middleton, the SEC also seeks an officer-and-director bar.
The Commission's investigation was conducted by Jorge G. Tenreiro and Victor Suthammanont of the New York Regional Office, assisted by Roseann Daniello, a staff accountant in the New York Regional Office, John O. Enright of the Cyber Unit, and IT Forensics staff Ken Zavos and Olga Cruz-Ortiz. The case is being supervised by Lara Shalov Mehraban, Associate Regional Director of the New York Regional Office. The SEC's litigation will be led by Mr. Tenreiro and Mr. Suthammanont.
Binance KYC Leak Highlights Importance of Personal Data Privacy
Last week, cryptocurrency exchange Binance, was at the center of a controversial KYC data leak that resulted in a massive portion of its customer's personal data, privacy, and identity being put at risk.
While the company was quick to dismiss the leak and ensuing panic from its users as nothing more than FUD, calling it a "false KYC leak," in the same official blog post Binance admits that their investigation is still ongoing, and while that the allegedly leaked photos didn't include the crypto exchange's digital watermark, all photos appeared to be tied to a month when Binance had outsourced their KYC process to another third-party firm.
Binance appears to be minimizing the situation in the public eye and deflecting any accountability of their own for not ensuring the third-party firm secured its customer's data.
Hundreds of customer photos uploaded during Binance's KYC process could be seen being scrolled through on a video recording of a Telegram channel where the photos were uploaded as part of a 300 BTC ransom hackers demanded from Binance – that they ultimately did not pay.
The once poster child of the crypto industry known for thwarting hackers and keeping funds "SAFU" has recently come under fire for barring US users from its exchange, only offering 2x margin on crypto trading, and now, leaking potentially thousand of customer's data without taking any responsibility or apologizing to those affected in order to save its image.
Cyber Crime: Over 3 Billion Private Personal Records Leaked Last Year
The leak highlights the ever-increasing importance of personal data privacy in the digital age. Over 3.3 billion people were affected by personal data leaks in 2018, and the trend is only growing. In 2018, the equivalent of 291 different people's personal data was leaked per second. Over 15 billion personal records have been leaked since 2013 when benchmarking first began.
As much as 65% of these leaks involve identify theft, which can involve credit issues, criminal allegations, tax liability, or worse. As much as 13% involve financial access, meaning that cyber criminals were able to directly access financial data and accounts, potentially draining accounts of their holdings – an incident that has become common in the cryptocurrency industry, and elsewhere on the internet.
In 2018 alone, the cryptocurrency industry was exposed to over $1 billion in exchange-related hacks, with nearly all of them involving some kind of data breach or lax security protocol. The rest of the internet is by no means different, with nearly every major internet company or publicly traded corporation experiencing some sort of major data leak over the last decade.
At the start of August, the Entertainment Software Association – a powerful company in the video game industry – leaked the personal data of thousands of industry professionals, journalists, and executives alike. The most alarming issue is that the ESA didn't even hide this information behind any type of security, and ignored repeated attempts from users notifying the company of the security failure.
Neglect like the case with Binance or the ESA exists everywhere in the world and on the internet. Uploading personal data to platforms that aren't secure is at the core of the issue.
Personal data is also easy to come by for cyber criminals, making the matter far worse and widespread. According to data, personal records can be obtained for as little as $30 on the dark web. This includes full name, social security number, date of birth, bank account numbers, and more. Driver's licenses are only $20. Passports fetch up to $2,000 – still relatively cheap to access such important personally identifying data.
How To Protect Personal and Private Data in the Digital Age
Because the issue is so widespread and the trend is only growing each year, personal data protection will only become more important and difficult. Methods and tactics of cyber criminals will improve, and so should the security and safety that companies provide their customers. Better yet, personal data should be kept private, and not required over the internet where sensitive documentation can so easily be leaked.
New systems must ultimately be developed, but many companies can start improving their processes today by accepting responsibility and taking necessary steps to protect their customer's personal data.
One example of a company taking additional steps to protect customer data is PrimeXBT. PrimeXBT is a Bitcoin-based margin trading platform featuring crypto assets (with up to 100x leverage) similar to Binance but also features traditional assets such as forex, commodities, stock indices, and more. The two worlds of digital and traditional finance coming together under one roof make PrimeXBT unique.
PrimeXBT combines the bank-grade security and focus on customer safety from traditional finance with the value of privacy that is the ethos of the crypto industry.
PrimeXBT requires no personal data to be uploaded at all, and ditches the time-consuming KYC process in favor of offering their customers privacy. The company has even in the past taken steps to move its trading infrastructure to Switzerland to ensure customer privacy remains the highest priority. It's one of the few places that exist on the internet where there zero risk of personal data loss or leak, because no personal data is ever required.
In the digital age, personal data and privacy are constantly put at risk unnecessarily. Corporations and companies carelessly require this data, then don't give it the proper protection or care that personal data and privacy deserves.
But until the public begins to vocalize their concerns over personal data and privacy and avoid companies that do not prioritize safety and security, or companies themselves begin to take additional steps and make investments in security, the issue will only grow more severe.
For now, all internet users must do due diligence when using any platform or website which requires personal information to be uploaded, and whenever possible, select a company or website that doesn't require any personal or private information be uploaded at all.
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Money Matters: 16-18 year olds
If you're in your final year of school and currently studying for your GCSEs, you'll have enough on your plate without thinking about money matters. That's why we've done the research for you and put together this article to give you an insight into the aspects of education that may bring with them a cost consideration, and financial support available. With only months to go before your GCSE exams, now is the best time to start thinking about what this means for you as a young adult.
Compulsory, free education
The good news is, in the UK, it's the law for 16-18 year olds to be in full-time education or an apprenticeship, which is fully funded by the Government, and therefore free to you!
Please note: this is subject to residency criteria i.e. you have lived in the UK long enough to qualify.
So, if your education is free, what kind of money matters will you need to think about?
As it turns out, there's actually quite a bit. Have you considered the following?
Will you need to pay for travel to and from college?
Unless you live within walking or cycling distance from your college, or you have someone available to drop you off, it's likely you'll need to use public transport to get there. Of course you may want to learn to drive once you hit 17, but that too brings with it a whole host of costs that may need to wait until you're earning a wage. Learning to drive and buying, running and maintaining a car sadly isn't cheap.
Is there a list of essential kit that you'll need to buy for your course?
Many courses will require certain items such as protective clothing, uniform or tools for you to effectively learn and complete the tasks required, particularly practical courses in industries such as Construction or the Creative Industries. Check with the college to find out if your course requires this.
Will you need to purchase your own text books?
Many courses will require text books for you to be able to study at home, and when you buy them brand-new from your nearest bookstore, the cost can be considerable. But there's ways to help reduce this expense. For example, there's plenty of places you can buy textbooks cheaply or second-hand. You could use a comparison engine such as www.bookfinder.com/textbooks to help you find the cheapest new and used textbooks. Also, this useful blog has some great ideas on how to save money on textbooks: www.savethestudent.org/shopping/how-to-save-money-on-student-text-books.html.
Are there any trips or 'residentials' linked to your course?
Some courses may include a field trip or even a stay away from home as part of the course which is called a 'residential'. These are sometimes compulsory, sometimes optional, but do check with your tutor to confirm.
Financial support is available
If the answer to any or all of the above questions is a yes and that causes you or your family concern, don't worry. There is plenty of financial support available to help ensure you get the most fulfilling experience in your education:
Maintenance Allowance
Some colleges offer a Maintenance Allowance. These are 'means tested' (your family's income will be assessed to decide whether you qualify) but if you are entitled to this, you do not need to pay this back.
At Barnfield College, we offer the Barnfield Maintenance Allowance (BMA) to help students with the expenses associated with attending college.
Vulnerable Young Person Bursary
The Government's Bursary Fund allows many colleges to offer a bursary of up to £1,200 to those that are getting:
- Income Support (IS) in place of Income Support in their own right
- Universal Credit (UC) in place of Income Support in their own right
- Employment Support Allowance (ESA)
- Universal Credit & Disability Living Allowance (DLA)
- Personal Independence Payments (PIP) in their own right
If awarded, the bursary will be fortnightly into your bank account. In exceptional circumstances other arrangements can be made.
Personal Independence Payment (PIP)
If you suffer from long-term ill health or a disability, the Government may be able to offer help with some of the extra costs associated with this. According to the Government website, "if you're aged 16 to 64, you could get between £22 and £141.10 a week by claiming Personal Independence Payment (PIP)." (https://www.gov.uk/pip).
Care To Learn
If you have a child, the Government will support you with childcare costs up to £160 (£175 if you live in London). You must simply be under 20 years old at the start of your course to be eligible.
Free college meals
Additionally, if you were entitled to free school meals, you may be able to continue this upon joining college.
Additional funding
Many colleges have additional funding available at their discretion for special circumstances. They may even have a discretionary emergency fund for use in exceptional situations.
Plenty of support available
The list of financial considerations may seem like alot, but as you can see from the support available, financial concerns should never be a barrier to anyone in their education.
How to apply for financial support
In order to apply for financial support, you'll need to speak directly to the college or sixth form you're applying to. They'll be able to give you information on what you may be able to apply for. Generally, they'll provide you with forms to fill in and a list of required evidence from your parent or guardian. Applications cannot be approved without the appropriate evidence. What this includes will be detailed by the college on a case by case basis, so it's a good idea to ask now!
Apply early!
Remember, financial support is awarded on a 'first come, first served' basis, so it is best to apply as early as possible. Colleges will accept applications for financial support from May of the year you wish to start your course. So if you wish to commence your course at the beginning of the academic year in September, you need to be thinking about this from at least five months prior!
If you're applying to Barnfield College, you can call Student Services on 01582 569 569 with any queries now, or email us at email@example.com. Contact us now and we'll start doing the necessary! We look forward to assisting you soon!