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Direct mail fundraising
Direct mail fundraising is a form of direct marketing widely used by nonprofit organizations in North America and Europe to recruit or "acquire" new donors or members and to inform, cultivate, resolicit, and "upgrade" the level of their contributions or dues. The technique has been shown to work equally well in many other countries across the globe. Its use is spreading quickly.
The professional use of direct mail fundraising requires an understanding both of the principles and practice of direct marketing and of the discipline of fundraising. In direct marketing, practitioners view large numbers of prospects or donors through the lens of statistics. Fundraising teaches us how to view prospects or donors as individuals, with unique values, beliefs, and preferences.
History and growth in the United States[edit]
In its modern form, direct mail fundraising appeared in the United States after World War II, when nationwide charities such as the National Easter Seal Society sought ways to broaden their fundraising base.
It was only with the advent in the 1960s of the ZIP code and, later, the computer that direct mail fundraising began to gain wide use. Before the ZIP code, it was difficult to target appropriate recipients of direct mail fundraising appeals, and before the computer, compiling and maintaining lists of supporters was tedious and costly. During the 1970s, when computers became increasingly affordable, the use of direct mail fundraising spread widely. It quickly became the means by which most Americans learned about and first provided financial support for their charities of choice.
The explosive growth of the nonprofit sector in the United States — quadrupling in the 1980s and doubling again in the 1990s and early 2000s — led to a massive expansion in the use of direct mail to build and sustain large, nationwide donor and membership lists. Today, direct mail fundraising accounts for at least one-fifth of the more than $250 billion contributed annually in the U.S. to the nation's 1.6 million nonprofit organizations.[citation needed]
Direct mail fundraising has its own unique jargon, much of it related to the art and science of creating, producing and mailing the right appeal to the right list at the right time, and measuring the results.[1]
In recent years, electronic communication media has been used more commonly among nonprofits. Online, email, and social media campaigns, collectively referred to as digital fundraising, have been used in coordination with direct mail fundraising. Nonprofits supplement direct mail campaigns with email blasts and social media posts, using similar messaging and visuals to tie the various communications together. However, digital fundraising has not grown fast enough to replace direct mail for most nonprofits. In 2012, digital fundraising accounted for 7 percent of charitable donations in the United States.[2]
See also[edit]
- ^ Sharpe, Alan. Ed. Direct Mail Fundraising Glossary. http://www.raisersharpe.com/glossary.htm
- ^ https://www.blackbaud.com/files/resources/downloads/2012.CharitableGivingReport.pdf


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Lloyd Blankfein, the chief executive of Goldman Sachs, is considering making a high-risk appearance in front of a US Congressional hearing, alongside the 31-year-old trader at the centre of allegations that Goldman misled clients over toxic mortgage investments before the credit crisis.
The pair are believed to have agreed to testify before the end of this month, to demonstrate that Goldman has nothing to hide over a controversial mortgage deal in 2007 that led to civil fraud charges against the firm last week.
Goldman's partner in the mortgage deal, the hedge fund manager John Paulson, who made $1bn (£650m) from the bet against the US housing market, is also mounting a public fightback. In a letter to his fund's outside investors, made public yesterday, he defended its role in the deal, saying that Paulson & Co had acted transparently and in good faith. Unlike Goldman, Paulson & Co was not charged with any wrongdoing.
Fabrice Tourre was the only Goldman employee also named in the SEC's lawsuit. In an email sent weeks before he sold the mortgage investment vehicle, he wrote: "The whole building is about to collapse... Only potential survivor, the fabulous Fab[rice]... standing in the middle of all these complex, highly leveraged, exotic trades he created without necessarily understanding all of the implications of those monstruosities!!!"
Now based in London, Mr Tourre has been put on paid leave. It was reported yesterday that he had agreed to appear next Tuesday before the House of Representatives committee investigating the credit crisis. Mr Blankfein may appear to answer questions about Goldman's approach to trading mortgage securities before the market collapsed.
Investors, including ABN Amro, lost $1bn when a mortgage investment vehicle called Abacus collapsed in value within months of its creation in 2007. Paulson & Co paid Goldman $15m to set up Abacus and helped put together the portfolio, before betting against it. The SEC says Goldman failed to mention this when it was marketing Abacus, and that Mr Tourre actually misled investors into thinking Paulson & Co had an interest in seeing the vehicle go up in value.
Although there are no charges against Paulson & Co, the allegations are highly sensitive. Mr Paulson's letter indicates a concern that they might withdraw their money, either because they fear lawsuits that will damage the fund, or to avoid the bad publicity. "Paulson did not structure or originate the Abacus transaction" and it was not particularly unusual, he wrote. Goldman constructed 25 similar deals. "All of our dealings were through arms-length transactions with experienced counterparties who had opposing views based on all available information at the time."
- More about:
- Investment
- Loans And Lending Market
- Mortgages

subset: commoncrawl


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Fort Polk South is a census-designated place (CDP) in Vernon Parish, Louisiana, United States. The population was 11,000 at the 2000 census. Fort Polk South is the larger principal city of the Fort Polk South-DeRidder CSA, a Combined Statistical Area that includes the Fort Polk South (Vernon Parish) and DeRidder (Beauregard Parish) micropolitan areas, which had a combined population of 85,517 at the 2000 census. [edit] Research Tips


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My word! Just bought this CD here in Perth (hey, we all need a holiday some or other time) and we were VERY surprised to see some local South African music on this Australian compilation. Zef-rappers Die Antwoord with the smash hit Enter The Ninja gives a local-is-lekke' zef flavour to this two disc dance compilation. Featuring all the hits from the big names of this Summer's Australian festival circuit including Avicii, Calvin Harris, Foster The People, Swedish House Mafia, Skrillex, Nero, Afrojack, Tinie Tempah, Tiesto, Duck Sauce and more. Summer Festival Anthems 2012' lets you relive your favourite summer festival moments all over again & again! It's a great compilation and is sure to make you shake your booty at a party.
Since a child, I have lived and breathed music, but never had the actual chance to live my dream of writing about all things music. Now I can! Hope you enjoy my ramblings about music!
Wednesday, 29 February 2012
Tuesday, 28 February 2012
EXCLUSIVE! Theuns Jordaan & Juanita Du Plesssis
After an absence of four years, Theuns Jordaan and Juanita Du Plessis are back by public demand, with a brand new DVD recording "Hart vol Drome". On Saturday, 19 May these two legendary singers will once again share a stage at the GrandWest Grand Arena. Their collaboration promises to be bigger, better and more heart rendering than the runaway success of "Bring jou Hart". 'Hart vol Drome' is Juanita and Theuns at their best and will introduce brand new hits along with old favourites. The show starts at 20h00 and tickets are available between R110 and R161 at Computicket –www.computicket.com or phone 083 915 8000.
Monday, 27 February 2012
NEW MUSIC! The Pretty Reckless
Gossip Girl star Taylor Momsen (who plays little trouble maker Jenny Humphrey in the drama series) and her alt rock band The Pretty Reckless have just announced details a brand new EP, called Hit Me Like A Man. The band, who previously rocked the charts with their hit Make Me Wanna Die, revealed that the EP features five songs, including a live version of Make Me Wanna Die. Taylor recently announced that she has given up her acting career to focus exclusively on her music. The band released a brand new video as well, titled You. Watch the video HERE!
Rocking with The Ice Project
The Ice Project |
Local Potch soft rock/post grunge band The Ice Project is ready to release their much anticipated debut CD, The Boy In The Photo. The CD which is due 2 April 2012, was recorded and produced by legendary South African producer Theo Crous. "I really had fun working with these guys and found them to be hugely talented songwriters. What really stood out for me was the unique sound of Cobus' voice....I see great things happening for this band in the future," says Theo. The Ice Project is a refreshing blend of soft rock and contemporary pop music fused together by moving and honest lyrics. The Ice Projects debut album is hotly tipped to establish the band as a musical force in South Africa. Lead vocalist and songwriter Cobus Bester is an artist that emerges out of nowhere fully formed with a debut that is perceptive and bold. His insightful song writing is indicative of the likes of great singer songwriters Tracey Chapman and Cat Stevens, intelligent, confessional and heartfelt. Catch the band life at at Kirstenbosch on 8 April. Tickets available from web tickets (www.web tickets.co.za) Check out the band performing live HERE!!!
Sunday, 26 February 2012
"No new Outkast album"
Outkast |
Hip-hop duo Outkast have no plans to work on another album, reports Digital Spy. Last year, there were reports that the Grammy winning group featuring Andre 3000 and Big Boy would release their seventh album this year. "There's been a lot of talk on the Internet about and Outkast album, and I have to say that, as of now, there are no plans," Andre 3000 reportedly to GQ. "There's a lot of music on the horizon. I've been living off the excitement of new artists. I've been privileged to have these new artists kind of reach out and back and say, 'Hey Andre, we want you on this song.'" He added, "As far as Outkast, I really don't know if or when it will happen."
Thursday, 23 February 2012
Mariah Carey's tribute to Whitney Houston
Mariah and Whitney |
Wednesday, 22 February 2012
EXCLUSIVE! Lonehill Estate ready to takeover Hollywood
It's a dream come true for every South African band - to play in America. Johannesburg based acoustic rock band Lonehill Estate is about to take on America when they jet off to glitz and glam of Los Angeles for a couple of gigs. The Beat sat down with Nathan Ro (vocals and acoustic guitar for the band) as they prepare for the trip. He opened up about what they will be packing, their preparation for the gigs, what's the weirdest thing a fan has ever thrown on stage and their new material coming out later this year!
How did you guys end up playing Hollywood? We have the privilege of being invited to Musexpo (an annual international music and media conference held in Hollywood) for a showcase by the organisers that found us online.
When did you hear for the first time you're going to LA/Hollywood? There was some talk of it happening towards the end of last year but was confirmed in Februatry.
Where in LA/Hollywood will you play? We will be playing at the Musexpo in Hollywood and the Viper Room on the sunset strip!
What do you expect from the international audience? We have absolutely no clue! What we do know is that people are people and that generally what people in SA like, most international audiences should be able to appreciate too.
How did you decide to on the set list? We want to play a tight set that sums up who we are and showcases us best. Once we know what our goal is, the songs choose themselves.
Any fun/awkward/weird moment/incident you can tell us about in preparations for the trip? Yes, Nathan has started speaking in an American accent now and then. Very embarrassing.…!!
With any rock show, fans usually throw things on stage. What do you guys usually do with the stuff and what was the weirdest object someone has thrown on stage? We once had a bra thrown on stage that had a cup size that was off the alphabet scale! I am pretty sure it was used in a 'Yo Mamma' joke!
What does playing "America" mean for you as a band? Extra kilos from all the fast food!! Seriously, it is every musicians dream to be able to showcase your music and songs in America and for us its no different.
Any possible future trips/developments from this? We haven't even been on the trip and there is already some interest in Germany and Japan so it could end up being a very exciting year for Lonehill Estate!
What other big projects do you guys have lined up for 2012? We will have a full length album out towards the end of March that will include our singles and some exciting new material!
What advice would you guys give to any band playing international? Not sure, we haven't done it yet! I do think that bands need to be true to themselves regardless of where they play.
When you guys travel, what's the 5 most important things you pack in? iPods, Tea Bags, Fruit, Duck Tape and most importantly Steri Stumpies!
How did you get over jet leg in general? We take a small trampoline and portable candy-floss machine on international flights. 3 hours before the allotted bedtime we make the floss and jump for three hours solid... this ensures a good nights rest is had by all.
Lonehill Estate |
When did you hear for the first time you're going to LA/Hollywood? There was some talk of it happening towards the end of last year but was confirmed in Februatry.
Where in LA/Hollywood will you play? We will be playing at the Musexpo in Hollywood and the Viper Room on the sunset strip!
What do you expect from the international audience? We have absolutely no clue! What we do know is that people are people and that generally what people in SA like, most international audiences should be able to appreciate too.
How did you decide to on the set list? We want to play a tight set that sums up who we are and showcases us best. Once we know what our goal is, the songs choose themselves.
Any fun/awkward/weird moment/incident you can tell us about in preparations for the trip? Yes, Nathan has started speaking in an American accent now and then. Very embarrassing.…!!
With any rock show, fans usually throw things on stage. What do you guys usually do with the stuff and what was the weirdest object someone has thrown on stage? We once had a bra thrown on stage that had a cup size that was off the alphabet scale! I am pretty sure it was used in a 'Yo Mamma' joke!
What does playing "America" mean for you as a band? Extra kilos from all the fast food!! Seriously, it is every musicians dream to be able to showcase your music and songs in America and for us its no different.
Any possible future trips/developments from this? We haven't even been on the trip and there is already some interest in Germany and Japan so it could end up being a very exciting year for Lonehill Estate!
What other big projects do you guys have lined up for 2012? We will have a full length album out towards the end of March that will include our singles and some exciting new material!
What advice would you guys give to any band playing international? Not sure, we haven't done it yet! I do think that bands need to be true to themselves regardless of where they play.
When you guys travel, what's the 5 most important things you pack in? iPods, Tea Bags, Fruit, Duck Tape and most importantly Steri Stumpies!
How did you get over jet leg in general? We take a small trampoline and portable candy-floss machine on international flights. 3 hours before the allotted bedtime we make the floss and jump for three hours solid... this ensures a good nights rest is had by all.
Monday, 20 February 2012
CD REVIEW! Pet Shop Boys - Format
Anyone who grew up in the 80s should know British electronic dance due Pet Shop Boys. Their hits span decades and they have entertained us with huge hits like West End Girls. It's A Sin, Always On My Mind and many more. Members Chris Lowe and Neil Tennant have always been musical pioneers who have always find ways to re-invent themselves for the new generation. The group, who has already started to work on their new CD, just released a best of package, Format. The CD is a double disc of pure electronic dance and features 38 b-sides and bonus material. The CD is a sequel to their 1995 earlier b-sides release Alternative. Format includes all the b-sides to their hits between 1996 - 2009. It's great listening music for those who likes an electro dance pop twang to their music.
SEX TAPE! It's not Adele…
Adele |
Bobby leaves Whitney's funeral
Bobby at the funeral |
Friday, 17 February 2012
CD REVIEW! Chynamans - House 2
Siyabonga Gumede better known in the music scene as DJ Chyanaman released his second house album compilation, Chynamans house 2. Following the success of the first album it was only right to release a second album for his adoring fans. This 13 track album features some of the country's top artists such as J'Something from the house band Micasa and vocalist Jodi Gold with a few remixes from the likes of Christos and Mindgames amongst others. The entire compilation is an absolute banger but a few tracks that stand out are Tabzunderground ft J'Something – Dancing In The Rain, Siphiwe and Chynaman ft T.King- I'm Grateful, Chynaman ft Happy-Million Times, Monique Bingham –You Me World remixed by Christos, and Adam & Game ft Lifford Shillingford-Hang In There. Chynamans House 2 features tunes that you can dance to, sing along to and tracks you can just chill out to. The album caters to a range of music lovers from the true house fanatics to those who enjoy commercial house every once in a while. All the tracks are worth listening to so get your hands on a copy, stand back and enjoy.Facebook page: Chynaman Facebook group: Chynaman's Houe Twitter:@Chynamandj (By Tsholofelo Kgosimmele)
Whitney Houston's "LIVE" funeral
Whitney Houston |
Fans of singer Whitney Houston, who died last Saturday, will be able to follow her private memorial service on the Internet. Channel24 reports that the singer's private memorial service is to take place at the New Hope Baptist Church, in Newark, New Jersey - where she sang as a child - on Saturday (18.02.12) and her publicist Kristen Forster has announced a camera will be allowed inside to film the ceremony so Whitney's millions of fans can watch it online and grieve for her. Following the service, Whitney will be laid to rest at the Fairview Cemetery in Westfield, New Jersey, in the plot next to her late father John Houston. According to reports, the funeral is set to be attended by around 1 500 mourners, including many names from the music world such as Chaka Khan, songwriter Diane Warren, LA Reid and Whitney's cousin Dionne Warwick. Aretha Franklin - who was the star's godmother - has been asked to perform at the service. However, Whitney's mother Cissy Houston and her family have reportedly barred her ex-husband Bobby Brown from attending because they blame him for getting her hooked on drugs during their disastrous marriage. Bobby - who has an 18-year-old daughter Bobbi Kristina from his relationship with Whitney - is quoted by gossip blog TMZ.com as saying he is "extremely disappointed" by the news, and insists he wants to attend, but he "hasn't decided on a plan of action yet".
*Channel24 will host the live streaming of Whitney Houston's funeral on Saturday at 19:00.
Wednesday, 15 February 2012
Sasha Martinengo - the Italian music Stallion
Sasha Martinengo (5FM) |
Well-known 5FM music presenter/DJ and F1 lover, Sasha Martinengo, is leaving the station at the end of March. On the 5FM web page, station manager Aisha Mohamed explained that "The decision comes as part of the station's annual line-up change, which takes place from 1 April 2012. Line-up changes are an unfortunate part of the radio landscape. Every year 5FM, along with the SABC 's 17 other radio properties, evaluate their on-air line-up for the year ahead. Sasha will unfortunately not be with us from April onwards. The change comes as part of a long-term strategic plan to revise our on air offering. We are enormously appreciative of Sasha's incredible work ethic, his dedication to the listeners and his support of the 5FM brand. The station however needs to evolve and change as our listeners do. It has been absolutely wonderful working with Sasha. He's been a huge asset to the 5FM team and we will miss him as an on-air personality and as a team player." Sasha commented by saying "Working at 5FM hasn't just been a job, it's been my life. I'd like to think I have entertained my listeners over the years. I have had a brilliant time and will miss my 5FM family. Thank you for all the years of fun and support." The Beat caught up with Sasha to talk about him leaving, his love for fast cars, music and the Italian blood that runs through his veins.
When did you hear about the changes coming and how did you feel about it? I was told on a Thursday afternoon, 2 weeks ago. I wasn't very happy.
What are you going to miss the most at your job at 5FM? The continuous new music and the freedom to be oneself on air
Can you give us a glimpse into a day in the life of Sasha Martinengo? Up early, drop kids at school. Do my radio show, voice overs, read on F1, get ready for next day's radio show. Maybe some meetings, maybe nothing so chill at home.
Can you remember the first tune you ever played on 5FM? Lightning seeds - Change.
You are also very involved with the F1 scene. A good friend of mine, Jaco Janse van Rensburg, from Wellington, actually won a ticket to the Abu Dhabi Grand Prix, which you also attended. Where did you love for fast cars started? I have always loved cars since I was about 5 years old. I went to my first grand prix when I was 6 and I saw F1 and fell in love
How did you end up combining your love for music/DJ and fast cars? Both are about melody and passion. Quite simple. I live them both.
So who is Sasha when he is not in front of the microphone? A passionate Italian that loves to make other people smile and happy.
Tell us a bit about your home life - wife, children? I have a wife, ha ha, she has been incredibly supportive during the years. My two kids are a joy. My daughter is Deputy Head Girl at Brescia House which is just brilliant and my son has just started high school and already made the 1st XI cricket side. Every day is a blessing to be with them.
What do listeners not know about Sasha? Well, I have been rather open with them during the years so I don't think there is to much they don't know. Perhaps that I am ambidextrous and my eyes are different colours.
You have any pets? I have cats. My kids have 2 dogs.
What makes you laugh, and what makes you angry? British humour, I only get angry when people are inefficient or incompetent. I am Italian and can blow up for no reason sometimes too.
So what is your future plans? I am working on some things. Nothing yet but I still will be on SuperSport presenting F1.
You have released great CDs, will you still be doing that in the near future? Thank you. Yes I will. Music will always be part of my life.
If you could choose a song to close the show, which one would it be and why? I know the song, listen on 30 March to find out. It is a song just for me.
WIN! 5FM and The Beat are giving two readers the chance to win Sasha Martinengo vs DJ DECKS CD. Email us HERE the answer to following question: What was the name of the song and the band he played on 5FM for the first time? In subject line, write SASHA. Closing date: 29 February 2012.
Lady Gaga cuts back on monster tour
Born This Way singer Lady Gaga is apparently downsizing her Born This Way Ball Tour from 450 performances over the course of two years, to only 110 dates. On the upside of things, she is expanding her tour of Australia and just added a third Melbourne concert before her first two have even gone on sale. According to the Herald Sun, there has been an overwhelming demand for tickets during a pre-sale period, meaning that the singer will now play at Rod Laver Arena on June 30 in addition to previously-confirmed shows on June 27 and June 28. Australia will be one of the first countries to see Lady GaGa's 'Born This Way Ball' show. According to the musician, her stage design will include a "Monster Pit" area where fans can win a chance to meet her after the show. She has also referred to the tour as an "electro-metal pop-opera". Well, let's hope that she still visit our shores here in South Africa. . .
CD REVIEW! Mi Casa - Music
If you have not heard of the house band Mi Casa, you clearly have been living under a rock. These guys have been blazing the airwaves across the country with their soulful sounds as well as getting raving reviews from their live performances. Made up of three very talented musicians Micasa is taking house music to a whole new level, with Dr Duda on the rocking beats, Mo –T's brilliance with the Trumpet and J'Something on superb vocals. Brownie points to J'Something for being easy on the eye, but he is not just a pretty face his voice adds intensity to the already faultless sound. The 14 track album which consists of uber hot tunes from the ever so popular "These Streets" to "La Vida'' and "Heavenly Sent" all the way to the last track "Beautiful" is carefully put together to seduce any music lover's senses. The only downside to the album is that just when you are about to thoroughly get into the rhythm the track ends and a new song starts. It would be brilliant if the songs could just flow into each other and keep on going till the cows come home, other than that the album is a great investment. They may be the new kids on the block but Mi Casa is trailblazing their way to success, hopefully they will walk away with a SAMA or two this year. To see what Mi Casa is up to you can catch them on facebook: micasamusic or follow Micasa on twitter: @micasamusic or just visit their website: www.micasamusic.com. (By Tsholofelo Kgosimmele)
Tuesday, 14 February 2012
Chiano Sky on boys, love and music....
The 18-year-old Chiano Sky is making waves around the country with her hit song "Sick Sick". The singer is one of those rare gems who really has the full package - the looks, the voice and she writes incredible music! "I write about boys. I write about love. I write about heartache," she says. "It's about the kind of things that people have written about for centuries, but as a songwriter you interpret these things differently and in your unique voice." The Beat caught up with her on Valentine's Day and she told us about her favourite love song, if she's dating or not and what a guy has to do to catch her attention!
Chiano Sky (EMI) |
What has been the most appreciated Valentine's gift you've ever received? This deep red love letter this boy made for me with a rose that he pressed and stuck on it, I still have it after my primary school years.
And the worst one ever? Is there really a worst? Getting something is always a spoil on Valentine's Day.
What are you planning for Valentine's Day? Damn I'm going to spoil myself to the sweetest piece of cake , and go dancing around the city blowing kisses and throwing winks with my single lady friends probably screaming out the lyrics to the song 'I Don't Need A Man' by the Pussycat Dolls hunting cupid , something along those lines.
You single at the moment, or is there a Mr ChianoSky....? I am a free bird and damn I'm digging it.
How would you describe you ideal man? You don't have to have the sexiest face just the sexiest heart and soul , A man who can keep a smile on my face, genuine! And a man who does not wear his ego on his sleeve will do.
What about love inspires you to write songs? Just how vulnerable one is able to get no matter how tough they are when love hits them over the head.
What is your favourite love song? It's a toss between Kylie Minogue's 'Love At First Sight ' and Nina Simone's 'My Baby Don't Care'.
What is the corniest pick-up line you have ever heard or what someone has tried on you? I once heard this line 'Are you from Jamaica ? Cause your 'Ja Making' me crazy ' , though I'm not going to lie as corny as it is I would probably have the silliest grin on my face if a guy pulled it on me.
How would you go about catching the eye of a guy/get his attention? It's all about the eyes , I would reel him in like a foolish fish with my eyes.
Complete the sentence: Love Is.....exactly what you want it to be.
Lady Gaga: "Adele deserved every award"
Lady Gaga at the Grammy's 2012 |
For those who were lucky enough to have seen the Grammy Awards on Sunday evening, you would have seen that Adele lifted the roof when she sang Rolling In The Deep and got a standing ovation from everyone...except Momma Monster, Lady Gaga. The 'Born This Way' singer took a while to get up, after the rest of the audience were already on their feet going nuts for Adele's performance. So we thought maybe Lady Gaga was upset losing to Adele in every category they were nominated in against each other. Surprise surprise, it was not the case! The singer insisted that Adele should have won a seventh Grammy for being a "lovely" woman. Lady GaGa wrote on Twitter: "What a beautiful night last night was, Adele deserved every award she won and perhaps an extra one for being such a kind and lovely woman." Meanwhile, Adele has described her live comeback performance at the ceremony as a "really peaceful" experience. Bliss!
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[DSECRG-08-023] SAP Web Application Server XSS Security Vulnerability May 21 2008 08:13AM Digital Security Research Group (research dsec ru) Digital Security Research Group [DSecRG] Advisory #DSECRG-08-023 Application: SAP Web Application Server Versions Affected: Version 7.0 Vendor URL: http://SAP.com Bugs: XSS Exploits: YES Reported: 25.01.2008 Vendor response: 25.01.2008 Date of Public Advisory: 21.05.2008 Author: Digital Security Research Group [DSecRG] (research [at] dsec [dot] ru) Description *********** SAP Web Application Server system has Linked XSS security vulnerability Details ******* Linked XSS vulnerability found in URL /sap/bc/gui/sap/its/webgui/ attacker can inject XSS in URL string also Web Dynpro ABAP and for BSP are vulnerable. Example: http://[server]:8000/sap/bc/gui/sap/its/webgui/aaaaaaa"><img/src=javascr ipt:alert('DSECRG_XSS')> --------------------------------------------------------------------- Fix Information *************** The issue has been solved in the ICF system login and as such it is not only relevant for the Web GUI, but also for Web Dynpro ABAP and for BSP Customers can download patches following the solution is documented in SAP note 1136770 About ***** Digital Security is leading IT security company in Russia, providing information security consulting, audit and penetration testing services, risk analysis and ISMS-related services and certification for ISO/IEC 27001:2005 and PCI DSS standards. Digital Security Research Group focuses on web application and database security problems with vulnerability reports, advisories and whitepapers posted regularly on our website. Contact: research [at] dsec [dot] ru http://www.dsec.ru [ reply ] |
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Thread: OS X Yosemite Developer Peview 6 and Xcode 6 Beta 6 Released By Apple
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OS X Yosemite Developer Peview 6 and Xcode 6 Beta 6 Released By Apple
A sixth beta of OS X Yosemite and Xcode 6 have been released to developers by Apple recently. At this time, no new iOS 8 beta has been released. This OS X Yosemite has build number 14A329f and can be downloaded by developers from the Mac App Store. A new update with Xcode 6 beta 6 was also released and can be tested by developers. It was only 2 weeks ago that Apple released the fifth betas.
Previously, iOS 8 and OS X Yosemite were always released simultaneously, but this time, iOS 8 did not receive a new update. Sources who know OS X Yosemite have noted that more built-in wallpapers are in the system, a new 'do not disturb' for the Notification center has been added, addition of a new taskbar battery icon, as well as a new system preferences screen are all included in the new operating system.
It's safe to assume that since the Cupertino-based company is continuing to release beta versions of OS X Yosemite, the Mac OS software is likely to be released after that of the iPhone and iPad.
Source: AppleLast edited by Akshay Masand; 08-18-2014 at 03:45 PM.
Twitter: @AkshayMasand
Is the "Apps Using Significant Energy" new? If you have a laptop click on your battery and it's a new list. Kind of neat.
On the beta program, am I supposed to get these updates or not?
I'm on 10.10


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Drew Berry animates the malaria parasite
July 27, 2012 | Posted by News under Intelligent Design, Irreducible Complexity, News |
Drew Berry explains principles for engaging the public, and shows spectacular highlights of his videos on the malaria life cycle at the cellular scale, on DNA replication, and on the human brain at the tissue, cell, and molecular scale. Drew Berry is one of the world's foremost biomedical animators; he is an Emmy award winner and a MacArthur fellow. This talk was presented at VIZBI 2011, an international conference series on visualizing biological data funded by NIH & EMBO
For Mike Behe's account of our long war with same, see Edge of Evolution.
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The business of Sra. Verónica Margot R. lacks a wide variety of merchandise.
She has been selling used clothing for over a year. Her entire family helps attend to the business. She is requesting a loan to purchase merchandise for the Christmas season, which she plans to offer at a very good price. At the moment, she does not have the available funds to make this business investment.
Verónica will repay this loan using the profits from her clothing business. Her family expenses are covered by the salary from her job as a production coordinator at a factory.
Translated from Spanish by Kiva volunteer Ronan Reodica View original language description


text:
It's not looking good for the Snooping Bill. The legislation is currently being re-written after serious concerns were raised with the first draft, but I've got hold of a letter from privacy campaigners which accuses the government of failing to hold the public consultation that was one of the conditions laid down in the damning report that killed off the first draft. The letter, from Big Brother Watch, Liberty, Open Rights Group and Privacy International, expresses fears that meetings between the organisations and Home Office ministers could be used as evidence that ministers have been consulting on the new legislation. It says:
'In evidence to the Joint Committee it became clear that your officials regarded discussions with some organisations as consultative when those organisations did not. We would like to take this opportunity to make clear that it would be inaccurate to describe any meetings with our organisations thus far as consultative on the detail of any future legislation.'
The organisations claim that they have never been given 'any detail of what the "new" Bill will include, only assurances that the draft bill had been significantly re-written' and that 'lacking any substantive detail of what the revised bill will include, we do not consider the meeting consultative'.
If the Home Office cannot prove that it really has carried out proper consultation on the rewritten legislation, chances are it will fail to make it into the Commons again, because, as I explained last week, Nick Clegg continues to insist that he will veto the Bill if it doesn't meet all the conditions laid out by the Joint Committee on the Draft Communications Data Bill.
The Home Office insists that it has consulted extensively on the plans. A spokesperson tells Coffee House:
'This legislation is vital to help catch pedophiles, terrorists and other serious criminals. The government is determined to legislate to ensure that law enforcement and intelligence agencies continue to have the access to the communications data they need.
'Few bills have been subject to as much scrutiny and consultation. In addition to full pre-legislative scrutiny, which gave the public and experts the chance to feed in their views, all key groups with an interest have been consulted and Parliament will be able to debate the revised bill.'
Subscribe to The Spectator today for a quality of argument not found in any other publication. Get more Spectator for less – just £12 for 12 issues.


text:
Top Viacom Ad Exec Out Over Alleged Kickbacks (Exclusive)
Brian Fays departs the company amid talk of cash in briefcases.
STORY: How 'Girls Gone Wild' Exposed TV's Direct-Response Industry
A senior Viacom advertising executive has exited the company following an investigation into allegations of a kickback scheme involving millions of dollars over a period of years.
Brian Fays was senior vp at MTV Networks, overseeing direct-response advertising and paid programming for Viacom's 17 ad-supported cable networks, including MTV, VH1, Comedy Central and Nickelodeon. According to sources, Fays allegedly offered discounted advertising to certain direct-response sellers, whose wares often include skin-care products and DVD collections. But he allegedly sought kickbacks in cash — sometimes delivered in briefcases.
Viacom declined comment. Reached on his cell phone, Fays said The Hollywood Reporter should be "very, very careful" about reporting these allegations before he hung up.
Fays, 40, joined MTVN in January 2005, leading to what the trade magazine Response called "an unprecedented surge" in direct-response revenue. In a 2007 profile, the magazine reported that Fays had taken an active role promoting the importance of direct-response advertising to the cable TV business, working his way up at three leading cable-network families — Lifetime Networks, USA Networks and MTV Networks. He reported to Jeff Lucas, MTVN's head of sales.
A source says that 15 months ago, direct-response advertisers representing $200 million in annual business with Viacom networks brought these allegations to the attention of company executives. Around the beginning of September, this person says, Viacom "locked down every single person's computer in the ad sales department." The company then allegedly went through staffers' e-mails and "grabbed BlackBerrys out of people's hands." A company investigation is said to be ongoing.
Viacom had $8.6 billion in global revenue in fiscal 2010. A company source says direct-response advertising accounts for less than 10 percent of the Viacom's ad revenue, though another source puts that number significantly higher.
E-mail: email@example.com; email@example.com
Twitter: @KimMasters; @DanielNMiller


text:
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Welcome to a new world of Danganronpa, and prepare yourself for the biggest, most exhilarating episode yet. Set in a "psycho-cool" environment, a new cast of 16 characters find themselves kidnapped and imprisoned in a school. Inside, some will kill, some will die, and some will be punished. Reimagine what you thought high-stakes, fast-paced investigation was as you investigate twisted murder cases and condemn your new friends to death.
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Your message dated Tue, 01 Aug 2006 02:32:13 -0700 with message-id <email@example.com> and subject line Bug#378560: fixed in sanduhr 1.0-7 has caused the attached Bug report to be marked as done. This means that you claim that the problem has been dealt with. If this is not the case it is now your responsibility to reopen the Bug report if necessary, and/or fix the problem forthwith. (NB: If you are a system administrator and have no idea what I am talking about this indicates a serious mail system misconfiguration somewhere. Please contact me immediately.) Debian bug tracking system administrator (administrator, Debian Bugs database)
--- Begin Message ---
- To: Debian Bug Tracking System <email@example.com>
- Subject: Please drop suggests on obsolete software
- From: Loïc Minier <firstname.lastname@example.com>
- Date: Mon, 24 Jul 2006 11:26:28 +0200
- Message-id: <firstname.lastname@example.com>
Package: sanduhr Severity: normal Hi, sanduhr Suggests: python-orbit, bonobo-python; these are obsolete. Please consider updating the package for a newer orbit/bonobo version (at least a GNOME 2 version), or dropping the suggests, or requesting removal of this package. FYI, python-orbit is pending removal (#379436). Thanks, -- Loïc Minier <email@example.com>
--- End Message ---
--- Begin Message ---
- To: email@example.com
- Subject: Bug#378560: fixed in sanduhr 1.0-7
- From: Michael Ablassmeier <email@example.com>
- Date: Tue, 01 Aug 2006 02:32:13 -0700
- Message-id: <email@example.com>
Source: sanduhr Source-Version: 1.0-7 We believe that the bug you reported is fixed in the latest version of sanduhr, which is due to be installed in the Debian FTP archive: sanduhr_1.0-7.diff.gz to pool/main/s/sanduhr/sanduhr_1.0-7.diff.gz sanduhr_1.0-7.dsc to pool/main/s/sanduhr/sanduhr_1.0-7.dsc sanduhr_1.0-7_amd64.deb to pool/main/s/sanduhr/sanduhr_1.0-7_amd64.deb A summary of the changes between this version and the previous one is attached. Thank you for reporting the bug, which will now be closed. If you have further comments please address them to firstname.lastname@example.com, and the maintainer will reopen the bug report if appropriate. Debian distribution maintenance software pp. Michael Ablassmeier <firstname.lastname@example.com> (supplier of updated sanduhr package) (This message was generated automatically at their request; if you believe that there is a problem with it please contact the archive administrators by mailing firstname.lastname@example.com) -----BEGIN PGP SIGNED MESSAGE----- Hash: SHA1 Format: 1.7 Date: Tue, 1 Aug 2006 11:22:49 +0200 Source: sanduhr Binary: sanduhr Architecture: source amd64 Version: 1.0-7 Distribution: unstable Urgency: low Maintainer: Debian QA Group <email@example.com> Changed-By: Michael Ablassmeier <email@example.com> Description: sanduhr - An alarm clock designed as an hourglass Closes: 378560 379551 Changes: sanduhr (1.0-7) unstable; urgency=low . * QA Upload * Remove Suggests on removed python-orbit and python-bonobo. (Closes: #378560, #379551) * Conforms with latest Standards Version 3.7.2 Files: 49f58442cee4d5efea7634e3044002df 627 gnome optional sanduhr_1.0-7.dsc 5a945c32edf5b0a862a15e2afd6d4ade 3581 gnome optional sanduhr_1.0-7.diff.gz 7c685730d633c6f2019ef1401cbffc90 467550 gnome optional sanduhr_1.0-7_amd64.deb -----BEGIN PGP SIGNATURE----- Version: GnuPG v1.4.3 (GNU/Linux) iD8DBQFEzx5fEFV7g4B8rCURAtMuAJ9RwcOx3fzrZ81wv7TouCCBnFEabwCcD+Sg fRGCKTlY5eAsloH8zQ0YiNg= =QJgr -----END PGP SIGNATURE-----
--- End Message ---


text:
Lalit Maken
Lalit Maken was a Member of parliament, a political leader of Indian National Congress and a labour union leader. Maken was the son-in-law of late President of India Dr. Shankar Dayal Sharma.
In the year of 1984, He was elected to the Lok Sabha as a Member of parliament, a directly elected lower house of the Parliament of India from South Delhi of India. He was a metropolitan Councillor prior to his election to Parliament of India. He was an extremely promising young politician and a popular trade union leader.
Sikh Massacre of 1984[edit]
Maken was alleged to be involved in the killings of innocent Sikhs during 1984 Anti-SikhGenocid. In a 31-page booklet titled 'Who Are The Guilty', People's Union for Civil Liberties (PUCL) listed 227 people who led the mobs, which killed up to 3,000 Sikhs over three days. Lalit Maken's name was third on the list.[1] However his daughter Avantika does not believe that her father was involved in the anti Sikh pogrom, she believe that her father was a secular man and he was a threat to many established Congress leaders[2]
Maken and his wife Gitanjali, the daughter of future president Shankar Dayal Sharma, were gunned down by Harjinder Singh Jinda, Sukhdev Singh Sukha and Ranjit Singh Gill alias Kukki for his involvement in Riots outside Mr. Maken's Kirti Nagar residence in West Delhi on 31 July 1985[3] Lalit Maken was gunned down,[3] when he was moving towards his car parked across the road from his house in Kirti Nagar, New Delhi. All three assailants continued firing even as Maken ran towards his house for cover. Maken's wife Geetanjali and a visitor, Balkishan, were also caught in the firing, and all the three died on the spot. The assailants escaped on their scooters.[1] Lalit Maken,Mrs Gitanjali Maken and Balkishen were taken to All India Institute of Medical Sciences, New Delhi. The postmortem examination's were conducted by a team of doctors headed by Dr T D Dogra.
Police later arrested Sukhdev Singh Sukha in the year of 1986 and Harjinder Singh Jinda in the year of 1987. Both of them were later sentenced to death for the murder of Indian Army general Arun Shridhar Vaidya (architect of Operation Blue Star) and on 9 October 1992, they were hanged in Yerwada Central Jail in Pune in Indian state of Maharashtra.[4] As per Indian request, Ranjit Singh "Gill" was arrested by Interpol in New Jersey, USA on 14 May 1987, a federal magistrate approved his extradition on 6 February 1988[5] after he requested to go back home(the request was earlier denied thrice)[6] and he was deported back to India in February 2000 after lengthy legal cases and was sentenced to life imprisonment on 24 February 2003. Finally his life sentence was commuted on 20 May 2009.[7]
Former Minister of Youth Affairs and Sports, Government of India, Ajay Maken is his nephew. His only child (daughter) Avantika Maken is married to Ashok Tanwar, Ex-President of Indian Youth Congress and Member of Parliament. Both Ajay Maken and Avantika Maken repeatedly pleaded for the release of Lalit Maken's alleged killer Ranjit Singh Gill alias Kukki.[2][8][9]
- ^ a b A life sentence
- ^ a b South Asia Post
- ^ a b The Tribune, Chandigarh, India - Punjab
- ^ Protests after hanging of Sikhs - World, News - The Independent
- ^ The New York Times, 6 February 1988
- ^ http://www.leagle.com/decision/20011152170FSupp2d982_11025
- ^ The Tribune, Chandigarh, India - Punjab
- ^ WSN-India News-Ranjit Singh Kukki arrested again on orders of Delhi High Court
- ^ Kuki returns home to complete degree


text:
The impact of The Scream on the artistic world is clear when you notice the many times the Munch painting is referred to in other works.
Andy Warhol and Erró are the two artists who quote Munch's The Scream in a most direct manner.
The Munch Museet in Oslo confirms the impact of Warhol's copy:
As with other masterpieces from the history of art such as Leonardo da Vinci's Mona Lisa, Warhol exploits the status of The Scream as an icon, an aspect of the work he underlines by re-using it. Yet at the same time he devalues its originality, because by contrast with the painting, the silk print can be endlessly mass-produced. In the context of the consumer society mimicked by pop-art, he questions art as a consumer product.
One of Edvard Munch's (1863-1944) best known version of The Scream is a 20" x 15 3/16 " lithograph housed at this time at The Art Institute of Chicago. Munch, a Norwegian painter and graphic artist, had unmediated and specific ideas that he related in his many works:
I painted picture after picture after the impressions that my eye took in at moments of emotion--painted lines and colors that showed themselves on my inner eye......I painted only the memories without adding anything--without details I could no longer see...By painting colors and lines and shapes that I had seen in an emotional mood I wanted the emotional mood to ring out again as happens on a gramophone.
The tone of scene is set by the foreground figure as a focal point grotesquely distorted. The facial expression is repeated in repercussions again and again from different angles in the dynamics of his characteristic style of flattened color patches, swirling line and repetitive symbolic images in the background.
Munch beliefs were based in the Romantics. He felt deeply the pain of human life that humans were powerless before the greatness of nature and its forces of love and death became thematic throughout a majority of his art. Frequently he would repeat the same composition in different mediums such as oil paintings, as a woodcut, or lithograph. He was very effective in using black and white as a stark contrast. His greatness in this work is not only the disquieting look at neurotic panic breaking forth in a terrible yet silent scream but the fact that this cracking under prolonged anxiety has indeed been identified with and 'rung out again' by so many others well known artists some of whom have been mentioned in the previous write up. Typically pluralistic in style for the times, it is a symbolistic work with the first hints of what was to become expressionism.
Impacted by Paul Gauguin's devices, the use of color and strong patterns as well as using print media, Munch echoed these influences through his work to the German Expressionists. Like his friend the Swedish novelist August Strindberg he portrayed the unbearable portraits of human loneliness that reverberates in modern existentialism as humanly inescapable.
The Scream was painted when he was in his early thirties, at around forty-five, Munch suffered a profound depression and spent eight months in a sanatorium in Denmark. After his illness he no longer painted anxiety-laden subjects matter so central to his work. He began painting everyday subjects with the same vigorous brushwork and expressionistic colors as before. His motives may have been for healing. Many of his lithographs verge on irony, to which he was not averse. Even so, modifying the well-known phrase, it does suggest that 'irony is the courtesy of despair'. Once a moralizing critic of modern man, he later claimed to a friend that he had simultaneously given up women and alcohol as the cause of his depression, irony indeed cannot be ruled out.
You can read more about artists from this era at the Post-Impressionism, Symbolism and Art-Nouveau node.
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- Description
(HPP210) Traditional German variety from the Hersbrucker area. This hop is very pleasant, but yet still has a nice hoppy character. Typically classified as a aroma hop, the hersbrucker hop works well in a wide range of beers. Well suited for Lagers, Pilsners, Bocks, Weizen Bocks, Wheats, Belgian-Style Ales, Kolsch and Munich Helles.
- Alpha Acid 3-5.5%
- Very pleasant, but yet still has a nice hoppy character
- Works well in a wide range of beers
Q James (White Oak, NC)
Are your pelletized hops compressed, leaf hops?A email@example.com
These are fresh leaf hops that have been shredded, cleaned of seeds, etc, then pulverized and compressed into the pellets. This is the most common way hops are processed and sold. More hop resin is extracted and exposed this way, which creates more efficiency. Pelletized hops also stay fresher longer in this form as well.
Q Russ (Palm Bay, FL)
How long will your hops stay fresh after I receive them and what is the best way to store them.A email@example.com
Our pelletized hops are sealed in oxygen-barrier plastic bags along with nitrogen gas. This keeps the hop pellets very stable and fresh while in storage. If the hop pellets are stored at room-temperature, we do not recommend buying more than you can use in a year`s time, but if stored in a refrigerator or similar, the hop pellets should stay fresh for up to two years if un-opened. - Reviews
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text:
Test ID: | 184.108.40.206.4.1.256126.96.36.1990630 |
Category: | Buffer overflow |
Title: | Xilisoft Video Converter Buffer Overflow Vulnerability |
Summary: | Check for the version of Xilisoft Video Converter |
Description: | Description: Overview: This host is with installed Xilisoft Video Converter and is prone to Buffer Overflow Vulnerability. Vulnerability Insight: The cause is due to an error in ape_plugin.plg when parsing malicious .CUE files containing overly long string. Impact: This issue can be exploited to corrupt the memory and to execute arbitrary code in the context of the affected application. Impact Level: Application Affected Software/OS: Xilisoft Video Converter version 3.x to 3.1.53.0704n and 5.x to 5.1.23.0402 on Windows. Fix: No solution or patch is available as of 27th April, 2009. Information regarding this issue will be updated once the solution details are available. For updates refer to http://www.xilisoft.com/ References: http://secunia.com/advisories/34660 http://www.milw0rm.com/exploits/8452 http://xforce.iss.net/xforce/xfdb/49807 CVSS Score: 9.3 CVSS Vector: AV:N/AC:M/Au:N/C:C/I:C/A:C |
Cross-Ref: |
BugTraq ID: 34472 Common Vulnerability Exposure (CVE) ID: CVE-2009-1370 http://www.milw0rm.com/exploits/8390 http://www.securityfocus.com/bid/34472 http://secunia.com/advisories/34660 XForce ISS Database: vcw-cue-bo(49807) http://xforce.iss.net/xforce/xfdb/49807 |
Copyright | Copyright (C) 2009 SecPod |
This is only one of 54701 vulnerability tests in our test suite. Find out more about running a complete security audit. To run a free test of this vulnerability against your system, register below. |


text:
Air Algérie has ordered 4 ATR 72-500s in an agreement valued at around US$ 82 million. Deliveries of the aircraft are scheduled to take place in 2010. These 4 ATR 72-500s, configured with 66 seats, will be equipped with Pratt & Whitney 127M engines as well as the latest technological innovations in navigational aids and communication instruments.
With these new aircraft, Air Algérie, whose fleet already includes 8 ATR 72-500s, will be able to offer its passengers an optimized service, in particular increasing its flight frequencies and opening new routes inside the country and to neighboring countries.
Also, within the framework of creating a training center by Air Algérie, ATR will assist in the installation, start-up and operation of a new flight simulator.
Abdelwahid Bouabdallah, President and Managing Director of Air Algérie, said, "Thanks to these new aircraft we consolidate our position amongst the most modern airlines on the continent, with one of the youngest fleets. The ATRs allow us to open up regions not able to receive our other types of aircraft. We are therefore doubly satisfied to be able to provide high-quality public service and coverage over all the national territory."
See other recent news regarding: Airlines, Airports, Flights, Codeshare, Lounges, First Class, Business Class, MICE, GDS, Rewards, Miles, Hotels, Apartments, Promotions, Spas, New Hotels, Traffic, Visitor Arrivals, Cruises, Free Deals, Videos, Air Algerie, ATR


text:
You may remember this Formal Cat Portrait featuring "Basil" and his owner Luke from WEST VIRGINIA. I posted it in my Sunday Bonus Video, and today I received THIS letter from high-powered lawyer John Bowman.
Dear Mr. Leavins:
As the known proprietor of
cutewithchris.com, I am writing to tell you that you face possible
civil charges...


text:
NEW YORK (CBSNewYork) — New Orleans Saints quarterback Drew Brees joined WFAN's Craig Carton via the hotline Tuesday to talk about his whirlwind of an offseason.
Of course, the "Bounty Gate" stuff was at the forefront of the discussion. And Brees was more than willing to speak his mind on what he feels was a terrible job by the league with regard to how the investigation was handled. Brees said he felt that those in charge of running the investigation had a preconceived conclusion that the Saints were guilty, and distorted the truths of this case to fit their desired result.
He refers to the NFL's investigation and subsequent discipline as a "strategic media campaign" that left the Saints' organization operating from a position of "guilty until proven innocent," as opposed to the other way around. Brees really seemed ticked off that the league's rulings have not only hurt his team, but also the livelihoods of guys he played with and considers friends. He also makes sure to illustrate the difference between "pay-for-performance" and "pay-to-injure."
Craig wrapped up by asking how his contract negotiations have been going. Brees said they're closer to a deal now than they were a month ago, but there is still a lot of work to do. But given Drew's undying love for the city of New Orleans, it would be hard to picture him playing anywhere else.


text:
Yamaichi, and the rest of Japan's once-mighty financial industry, face a deepening crisis triggered by rising borrowing costs, plunging stock prices and pressure to speed up the disposal of trillions of yen in bad loans.
The stockbrokers lost pounds 40m in the first half, while a scandal over illegal pay-offs to a gangster and concerns that it may have hidden financial problems sent the stock plummeting on Friday.
While big institutions - particularly foreign fund managers - were selling, what most worried analysts was the selling by local banks and other institutional investors linked with Yamaichi through Japan's system of cross-shareholdings. In that system, companies hold each other's stocks to keep them out of unfriendly hands - unless there appears to be a very strong reason to sell them.
And there are strong reasons to sell Yamaichi, analysts say, despite the company's denial it has cash-flow problems. Prosecutors allege it paid gangster Ryuichi Koike pounds 800,000 to stop him making a stink at the company's annual shareholders' meetings. Eleven top executives, including the president and the chairman, resigned in August. The stock has dropped by two-thirds, from 280 yen to below 100 yen, since then. It will probably be barred from certain types of business, such as trading stock on its own account, for several months.
On top of that, Yamaichi faces all the same problems as the rest of Japan's brokers: a more competitive market by 2000, when Japan says it will let banks compete with stockbrokers; and a moribund market since the collapse of the speculative Bubble Economy seven years ago.
"The turmoil in brokerage shares reflects an anxiety about the health of the financial system," said Shigeharu Shiraishi, director at Yamaichi International Capital Management. "This is triggering an all-round rout."
The Nikkei index has fallen to its lowest level since July 1995 and the brokers' troubles have spilled out to hurt the market.
Sanyo Securities, a medium-sized brokerage, filed for bankruptcy just last week, the first publicly traded Japanese brokerage to do so. As the government prepares for deregulation, it is likely to let more brokerages go under. Before, it might have tried to keep them afloat to protect the stock market.
The government has done nothing to staunch the damage so far, although a senior finance ministry official last week acknowledged that the so- called "Japan Premium" - the higher interest foreign banks charge Japanese lenders to borrow dollars - has tripled in recent weeks. That's made it costly for Bank of Tokyo Mitsubishi, Sumitomo Trust & Banking and Japan's other big nationwide and regional lenders to raise funds.
Those borrowing costs may rise even more after two credit-rating services, Standard & Poor's and IBCA, announced on Friday they were cutting the ratings of most of Japan's lenders because of bad-loan problems.
A slumping economy has led both companies and consumers to cut back on spending. Bank lending has fallen in 42 of the last 44 months.
The heart of the banks' problems is their estimated pounds 70bn in bad loans. Most of the debt stems from the excesses of the 1980s, when banks rose to become the world's largest lenders.
That bad debt is likely to swell. Bankruptcies are soaring to record levels at home, and Asia's turmoil is heightening the risk of defaults on the continent, where Japanese banks have $265bn (pounds 185bn) in outstanding loans. "Japanese banks are in a tight spot," said Koyo Ozeki, director of IBCA in Tokyo.
While the banks have been trying to dispose of their bad loans for years, the finance ministry is stepping up the pressure. By 1 April, banks will have written off all loans to borrowers who are unlikely to be able to repay. Failure to stick to the rules could bring trouble from auditors and jeopardise a bank's credit rating.
That prompted Bank of Tokyo-Mitsubishi to announce it would write off 1 trillion yen in bad loans, taking a loss this year. In a bid to replace capital drained by bad-loan write-offs, banks like Sakura Bank and Tokai Bank have sold new stock. Yet with the stock market sliding, banks cannot afford to depress prices much more by increasing the number of outstanding shares, and are now having to slash assets.
One way to do this is by repackaging loans and selling them off as securities, a path chosen by Fuji Bank, the most aggressive asset-trimmer among the big commercial banks.
Banks with low levels of capital adequacy stand a greater risk of being socked with a weak credit rating, making them more liable to be charged higher interest rates when they try to raise money abroad.
Sales of cross-held shares are starting to rise, threatening a further fall in the stock market. This year, Long-Term Credit Bank of Japan could sell as much as 350 billion yen in cross-held shares, said Makiko Aizawa, a bank analyst at Salomon Brothers Asia.
"The sale of cross-held shares could still be a blessing, making lenders leaner and more profitable," said Elizabeth Daniels, director at Morgan Stanley Japan. "Since the market is down, [banks] have got to make some tougher choices. That is possibly a good thing."
Copyright: IOS & Bloomberg


text:
- List your item for as low as $30 - Advertise your item in both print and online
Create your ad
Browse: See our comprehensive list of earthmoving equipment specifications.
Compare: Try the compare button to see multiple specs side-by-side
Enquire: Hit the enquire button to talk to a dealer about your selection
You can imagine Technical Editor Ron Horner's excitement when he spotted an old 1970s-era, German-made O&K RH6 excavator in original working condition just off a Queensland...+MORE
Evarn Covich gets behind the controls of the 25.7-tonne Kobelco SK260LC-10 excavator at a site on the Gold Coast.+MORE
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Lead 'A' 12 Pallet SD ref TautLiner, Thermo King SLX 200 fridge 7,566 eng hrs, Fully insulated, tri axle airb suspension & axles (drum), 10x stud alloy wheels on 11R 22.5 tyres, Load restraint curtains, Alloy floor, trailer extremely light, supplied with Vic RWC Price $80,000 + $8,000 GST
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text:
- Tickets >
- Concerts Tickets >
- Jazz / Blues Tickets >
- Tom Rush Tickets
Tom Rush Tickets
Get ready for Tom Rush, all the way live. Tom Rush is playing this year in many cities . Buy premium Tom Rush tickets and experience the thrill of a live concert with Tom Rush at affordable prices.
Related Cities
Tom Rush News
Top 6 Songs About Mother Nature's Worst Hits
Not the happiest of themes, but in 4: 13 in this video, peak performance of folk singers Tom Harris Amelou live version. 6. "Blues despair" fleet foxes: fleet foxes ".
March 2011
Concert and club listings | Philadelphia Inquirer | 2011-03-25
Tom rush. $ 37. 3/27. 7 Sierra hull. $ 23. 3/30. 8 m broad.
March 2011
Live Music Guide, March 24
Tom rush Saturday at 7: 30 pm. Across the Rhine and Lucy Wainwright Roche, Sunday at 7: 30 pm. Bob Schneider Olivia Mancini Monday at 7: 30 pm. Kaki King and Joe Robinson on Tuesday at 7: 30 pm. Willene Guinness Theatre Jefferson.
March 2011
Barber's Best Bets: 'King Lear' visits downtown DC
Birchmiri welcomes Robert Earl Keene tonight, c-. Music Giles front man Peter Wolff Friday and popular veteran Tom rush on Saturday. Close harmonies and walked from Willene.
March 2011
Folk veterans to play Good Folk
Play the pair in popular legend Tom rush.
March 2011


text:
Kongregate either got confused or they ran into some problem with the market. Yesterday, they launched an app for their popular flash games. It then disappeared from the market and can now be downloaded here. It's nice to see that after the hardware locked NVIDIA store, Kongregate is offering over 300 free flash games through their app. Only downside for some of you is that you need to be on Froyo 2.2 and have Flash installed.
What you get in the app is access to 300 free flash games, many of which are really nice, since Flash games have been around the web for quite some time now. Also, you can share scores and rankings with friends, collect badges and download some of the games for offline play. Some of them still require an active data connection.
What's nice is that the games can be filtered and sorted by categoriess to find content you might enjoy and open up inside the app rather than in a browser where you have to activate Flash content and maximize it then. The layout is simple and intuitive and I can't stress enough how nice some of these games are. Seriously, check out Pel Plus, it's Pong on steroids and you'll find your brain going into overdrive after a few minutes to keep track of everything that's going on. Open Sea! is nice too, you have to part the sea for groups of people to cross and slide individual bars of the sea around to give them safe passage.
The above experience is unfortunately based on playing their games on m.flash.com since the app is refusing to load any content for now. It might be a server issue or the reason for which it was pulled, but I'm more than confident Kongregate will deliver a fix soon.
Image: Kongregate
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I picked up my 30D last week. Thinking along the same lines in getting ready to look for housing when they come out etc. The one lense I have so far is the 17-85mm
How would you guys rate this lense for underwater use?
Member Since 23 Feb 2006Offline Last Active Apr 09 2009 03:07 PM


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Quality Awards
Colon Cancer
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best for baby
Get involved by donating your time, ideas or funds to improve health care for everyone in East Texas.
Keep up with the latest news and events for Good Shepherd Health System.
Search our facility locations including hospitals, physician office locations, emergency centers, urgent care centers and outpatient service centers.
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I have 2 PCs and a Mac on a network at home.
The Mac and Windows (for testing - I'm a web designer) machines can share files and are networked.
All 3 machines are wired to the router and work online....
I'm having trouble with networking up Mandriva Linux.
Does anyone know how this can be done?
Many thanks in advance :)


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These cactus flowers were... | [ Sizes: Orig | Med | Small | Thumb ] | |||
These cactus flowers were only about 30 feet down from the summit. Cactus of all kinds were found on this mountain and wearing good gloves is a great idea. 4-10-05 | Signal Peak (Mountain/Rock) Dean's Image Gallery Signal Peak (Mountain/Rock) Colorful Flowers (Album) Rock Gardens (Album) Cactus (Album) Image Data
Image ID: 101514 Hits: 2620 Lat/Lon: 33.35900°N / 114.082°W Object Title: These cactus flowers were... |


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DURANT, Okla. – Texoma's best family entertainment value just got even more affordable. The Southeastern Athletics Department has lowered football ticket prices and announced a new ticket package for families.
"With rising gas prices, we want to provide a place for your whole family to have fun right here at Southeastern," said Southeastern Athletics Director Keith Baxter. "It is going to be great for your family and your wallet."
Watch the SE Football Team try for their 5th consecutive LSC North Title at Paul Laird Field, be one of the first to experience SE basketball in the new arena opening this fall and watch the softball and baseball teams make runs at a national championships – all at one great price for your family.
For more information, visit the gosavagestorm.com


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Product Configurator
The product configurator cloud edition
Using the product-configurator enables you to sell or just represent complex products in your own webshop. Our industry independent solution allows you to do price calculations, dependent options, rules, graphical representation of configured products and many other product individualizations. If you also offer products that are not suitable to classic webshop solutions or CMS, the product-configurator is definitely the right cloud-application for you! Trust in the market leader with more than 500 installations worldwide.
See for your self and test the product-configurator 14 days for free! Choose the edition that fits best to your needs and get started in less than a few minutes.
Product configurator - Cloud
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Product configurator for many well-known webshop and CMS-solutions
The product configurator can be integrated flexibly into standard webshop and content management solutions. A simple integration as HTML-snippet can also be realized. Even a simultaneous operation in your webshop and CMS solution is not a problem anymore, at least from a technical point of view. Magento 1, 2, Shopware and OXID are supported in the webshop-field. In the CMS-field we additionally offer integrations for TYPO3 and Wordpress.
You want to use the product configurator on another webshop or CMS platform? Talk to us!
Maybe your system is already on our product-roadmap or we can do an individual integration for you.
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If you choose justSelling, you can be sure that your data is not stored somewhere abroad. All your data is exclusively stored in high secure data centers here in Germany. Thus you are secure due to the german data-protection-law - one of the strictest in the world.
Also the TÜV is convinced of the quality and security of the data centers we use. We are proud to have the desirable ISO 27001 (7799 formerly) TÜV certification for outstanding availability and security for all services in the data centers. The certification also includes several security actions in the IT infrastructure itself, in the secondary equitment and in the process-chain.
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Webshop for B2C or B2B, marketplaces, website and product catalogues, sales tools on desktop or tablet. Thanks to the independent architecture, as well as its sector and system independence, our configurator is ideal for all use cases and web configurations.
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The product configurator can be used in almost every industry-sector. We created some examples from several industry-sectors, in order to give you a better understanding about the features and possibilities of the configurator. If you can not find a suitable example, just ask us! We are looking forward to discuss how you can efficiently offer your products in your own webshop.
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Product Configurator 3Your contact person Marc Stachelhaus
I am looking forward to give your further advice on the product configurator, respectivly for your individual use case
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Sovngarde Chant (RMX)
Credits & Info
- Uploaded
- Jan 16, 2012 | 1:15 PM EST
- File Info
- Song
- 3 min 34 sec
- Score
- 4.40 / 5.00
Related Content
Heard in 1 Entry!
skyrim parody by littlegoblet
- Movie
- Rated E
- 8,610 Views
View all submissions featuring this audio file.
Licensing Terms
Please contact me if you would like to use this in a project. We can discuss the details.
- Score:
- Rated 4.40 / 5 stars
- Plays & Downloads:
- 16,010 Plays | 2,080 Downloads
- Share Links:
- Genres:
- Easy Listening - Classical
- None
Author Comments
I am not sure why I made this, but I guess it's just because I was so obsessed with the Sovngarde Chant from the game(also from my favorite level.) So yesterday, I had the random idea to make my own little version. Sure, it's sloppy, and I know my voice isn't all that great, but hey, it's just my little tribute to one of the best games ever made. I hope you guys enjoy it, and if you don't, it's all good too. :) I will probably render the instrumental version of this, when I get home from work tonight. Only because it takes so long to render, since I want to give you guys a chance to record your vocals to this if you want to.
Oh yeah, PS:
Dovahkiin, Dovahkiin
naal ok zin los vahriin
(wah) dein vokul mahfaeraak ahst vaal!
Ahrk fin norok paal graan
fod nust hon zindro zaan
Dovahkiin, fah hin kogaan mu draal!
Huzrah nu, kul do od, wah aan bok lingrah vod
Ahrk fin tey, boziik fun, do fin gein!
Wo lost fron wah ney dov
ahrk fin reyliik do jul
voth aan suleyk wah ronit faal krein
Ahrk fin zul, rok drey kod, nau tol morokei frod,
rul lot Taazokaan, motaad voth kein!
Sahrot Thu'um, med aan tuz, vey zeim hokoron pah,
ol fin Dovahkiin komeyt ok rein!
Dovahkiin, Dovahkiin
Ahrk fin Kel lost prodah, do ved viing ko fin krah,
tol fod zeymah win kein meyz fundein!
Alduin, feyn do jun, kruziik vokun staadnau,
voth aan bahlok wah diivon fin lein!
Nuz aan sul, fent alok, fod fin? vul dovah nok,
fen kos nahlot mahfaeraak ahrk ruz!
Paaz Keizaal fen kos stin nol bein Alduin jot,
Dovahkiin kos fin saviik do muz!
Dovahkiin, Dovahkiin
naal ok zin los vahriin
dein vokul mahfaeraak ahst vaal!
Ahrk fin norok paal graan
fod nust hon zindro zaan
Dovahkiin, fah hin kogaan mu draal!
Rated 5 / 5 stars
What a voice!
Gosh! This another gem from you. A bit reminds me Despina Vandi :)
Your music gets just better and better!
Thanks G. :)
Rated 5 / 5 stars
Awesome, now on to find similar music!
Thanks. :D
Rated 5 / 5 stars
This is absolutely beautiful. You pronounced the words so very well. I personally do not think that the drums are over powering, it is exactly what the song needs. Power! It is about the Dovahkiin and Dovahkiin is power and wisdom, and the drums add that.
Thank you, and I totally agree. :)
Rated 5 / 5 stars
Very beautiful. one question: Where did you learn the language? or if not the language, where did you find those words? 10/10----5/5
Thank you. :) It took me a long time and a lot of sleuth work to find all the lyrics for this song. As for the language itself, there's a nice article of it on the elder scrolls wiki: http://www.uesp (dot) net/wiki/Lore:Dragon_Alphabet (wish I could hyperlink it) There are other places that you can read about it if you wish. I hope that helps. And thanks again. :)
Rated 5 / 5 stars
Beautiful, it is clearly the best rendition of the song to find anywhere.
Thanks, V! :)


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A place where the dishonored Japanese dead go when they die. It is a barren, dusty land plagued by cold, howling winds and colder howling ghosts, where despair and rage reign supreme and hope and promise cower in fear, where there is no respite from sadness, confusion, anger, and panic.
Mr. Sparkle banishes dirt there.
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Happy Valley Shanghai
Happy Valley Shanghai | |
Location | Shanghai, China |
Coordinates | 31°05′54″N 121°12′50″E / 31.098319°N 121.213778°E |
Website | Website (Chinese) |
Opened | August 16, 2009 |
Happy Valley Shanghai (Chinese: 上海欢乐谷) is an amusement park in Songjiang, Shanghai, People's Republic of China. The park is about 40 kilometers (25 miles) from downtown Shanghai. It covers an area of 863,500 square meters (213 acres). Happy Valley contains seven big areas, each with different themed zones, including Sunshine Beach, Happy Times, Typhoon Bay, Gold Mine Town, Ant Kingdom, Shanghai Beach and Shangri-la Woods. There are more than 100 rides in the park.[1]
The park was opened on August 16, 2009.[2] In the beginning of the park's operation, many people didn't like it because of long waiting times and being dangerous. Most of the rides were broken, the lines were too long, and many people were hurt not only from riding the rides, but from walking around the park. Three people were hurt when a big sign board fell on top of them.[3]
The park currently has six roller coasters. Five of them were opened when the park began its operation while the mine train coaster opened in October 2009.[2]
Rides[change | change source]
Roller coasters[change | change source]
- Diving Coaster (绝顶雄风)
- LeLe'e Chariot (蚁兵战车)
- Mega-Lite (蓝月飞车)
- Mine Train Coaster (矿山历险)
- Spinning Coaster (疯狂精灵)
- Wooden Coaster - Fireball (谷木游龙)


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I started my week of vacation off right by doing my 12 mile run early Saturday morning. I ran 2 miles, met up with my friends Amy, Casey and Kristy and did 8 miles with them, and then ran 2 miles home. I was definitely still feeling sick and sluggish, and felt pretty beat up for the rest of the day, but the sunshine and fresh air was good for my spirits. It was 35 degrees which means my camelbak did NOT freeze, and this is really something for February in Maine.
When I got home, I purposefully made coffee and breakfast first and let myself get really really cold before I got in the shower because that makes the hot shower feel like the best thing ever. If you are actively shivering and your lips are blue, that just means that your shower is going to be that much better.
Check out how little snow we have! When standing in Amy's driveway on Saturday, we noticed that some of the trees actually have very early reddish buds on them. WHAT? I have this sinking feeling it's going to mild until April and then start snowing.
I missed 2 runs this week, but maybe in the upcoming week I can get back on track. I think I can finally say that I am better now.
Two things:
There are still a few days left to vote for me in the Surf Las Olas Contest. Thanks for all the votes so far!
We have 15 people doing the CFC together. You still have plenty of time to join us if you're interested.
Sunday, February 19, 2012
2 comments:
- Amy said...
We forgot to to get a picture yesterday! Next time :) It was great to run with you again and so glad to hear that you're feeling better!
- February 19, 2012 at 8:25 PM
- Emilie said...
that's okay! Skyler took this (blurry) one! Great to run with you too... looking forward to another one soon. xo
- February 19, 2012 at 9:11 PM
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Here are the ones I've ordered~
Friday, September 11, 2009
Munki Munki~ Now Available as Pre Orders!!
I just finished my first wholesale order with Munki Munki!! Thanks to the lovely Suzanne, aka foofanagle, for suggesting it... they are now available in my etsy shop (as pre orders). Unfortunately they don't sell the fabrics, just the pj's, but to us Heather Ross and Munki Munki lovers, it doesn't stop us from getting all those lovely prints that they make. Since I've ordered them straight from Munki Munki (not getting them at Marshells for the low prices), I have done my very best to keep the prices reasonable. I just started listing them in my etsy shop as smaller cuts, ie. leg panels, sleeves, and front and back panels. I'm now taking pre orders for those that want to secure theirs for the first shipment. Pleae feel free to convo me for first pick. :) They will be shipped early next week, so I should have then in about a week and a half.
Here are the ones I've ordered~
Here are the ones I've ordered~
Munki Munki on poplin
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text:
Arsène Wenger believes that beating Bayern Munich would see his Arsenal side become a "completely different animal".
The Gunners trail the Bundesliga leaders 3-1 on aggregate ahead of Wednesday night's second leg of their Champions League last-16 clash.
While the Frenchman accepts they face a tough task at the Allianz Arena, he insists a surprise victory could have far-reaching consequences for his team.
"I have great belief in the quality of my players," Wenger said. "When I look individually at this team, they have a fantastic attitude.
"We are in the opposite situation to Bayern a little bit. I am convinced that if this team can find a big game, with a big win, you will see a completely different animal.
"This season we have fought to find that in the big games and we have another opportunity on Wednesday night and I hope the team takes this chance.
"I have a great respect for this team and its attitude and they have not been rewarded yet. It is important for the end to our season that we do it."
Use our dedicated hashtag to join the match conversation: #BAYvAFC
Arsenal to win @ 79/10


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prAna Zumi Scarf
Manufacturer's Description
Visit prAna's Zumi Scarf page.
Retailers' Descriptions
Here's what other sites are saying:
Slip this little nest of softness over your head for instant warmth. Hand knit out of soft acrylic, with long tassels to play with while you read. Was it mentioned that it is hand knitted? Coming with prAna detail, this scarf will be an instant favorite. Made from 100% acrylic.
- Rocky Mountain Trail
Prana Women's Zumi Scarf DECENT FEATURES of the Prana Women's Zumi Scarf Solid knit infinity scarf Can be untied and worn as a standard style scarf The SPECS 100 Acrylic Wide: 7in. / 17.8 cm Long: 83in. / 210.8 cm
- Moosejaw
If you're all about tying up loose ends, the prAna Zumi Scarf is for you! Wrap this little gem around your neck and then tie a neat little bow so you don't have those pesky loose ends getting in your way! PRODUCT FEATURES: Hand knit scarf with long tassels prAna trim detail 73.5"L x 6.5"W 100% Acrylic
- Appalachian Outdoors
prAna Zumi Scarf
The prAna Zumi Scarf is not available from the stores we monitor. It was last seen March 14, 2015 at Rocky Mountain Trail.
If you're looking for a new accessory, check out the best reviewed current models.


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A Stop Along the Way
I dont think I have posted this on here. This is my 58 gallon tank that I entered in the AGA contest this year.
http://jmorgan.zenfolio.com/img/s3/v25/p957395498.jpg http://jmorgan.zenfolio.com/img/s5/v4/p1064953372.jpg http://jmorgan.zenfolio.com/img/s1/v20/p901772209.jpg |
wow!! i like it need more fish
WOW! Beautiful setup. I love the amount of shapes and textures! I love black backgrounds but this one seems to hide the detail in hardscape. But even with the black back ground it is amazing. I am so jealous, why cant i achieve awesomeness like this!! Congrats.
EDIT< I came back to take a second look and forgot to add how impresive it is to see such a clean tank that has stems and slow growers like that nana?< anyhow, jeeeez no algae at all that i can see. Lastly would you mind posting the specs? including light and schedule? ty, |
Great work!
Really nice!
That's a beautiful scape. Great job!
That is an AMAZING aquascape. Ok, how long did it tank and where can I find some books on aquascaping design?
The little blobs of pellia on the branches are amazing. I have some branches that jut up like that so I'd love to try something similar. How are they attached? What kind of lighting do they get?
Very nice! |
Lighting is a TEK 4X39 for about 7-8hrs, I usually only run 2 bulbs. 4 after a trim or if I want something to fill in faster. Quote:
Is this tank still up?
This is nicely scaped! |
How did you do? The tank looks amazing!
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Clarksville, TN – On Thursday December 20th, at 1:31pm, Clarksville Fire Rescue and Clarksville Police responded to a smoke alarm call at The Bluffs apartment complex located at 939 Riverside Drive.
"When units first arrived on the scene, there was no visible sign of smoke or a fire," stated Fire Marshal Ray Williams. "Upon further investigation, some smoke was seen coming out of apartment C-19."
Clarksville Fire Rescue units respond to an apartment fire at The Bluffs apartment complex on Riverside Drive Thursday afternoon.
Adjacent apartments had to be ventilated for smoke, but no real damage was caused.
According to witnesses, the power had been out in the area. Shortly after power was restored, they heard the smoke detector go off and could see some smoke coming out of the apartment. There was mass power outages Thursday all over Clarksville due to high winds in the area.
The apartments tenants were away at the time. There were no injuries caused by the fire.
"The electricity has cut off to the apartment and then was back on just before the fire started," said Williams. "The cause of the fire is undetermined."
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