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[Video panel] Digital Transformation: Turning Strategy into Reality
Catering to the needs of an ever-changing market and customer has been quite the task within the Financial Services industry.
This panel will discuss the success stories of true digital transformation and which areas still need work and why. This panel will be filmed and broadcasted live from SIBOS in Toronto.
Oct 18 2017
46 mins
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Presented by
Oisin Lunny, Sophia Vikander (Nordea), Andy Hirst (SAP), Tom Durkin (Bank of America)
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U.S. Banks and Data Privacy: CCPA, GDPR, and Beyond
Nov 21 2019
6:00 pm
60 mins
Jill Reber & Steve Ernst, (Primitive Logic), Tanya Madison (TD Bank), Ron Whitworth (SunTrust)
Gartner includes data ethics and privacy on their list of the top 10 strategic technology trends of 2019, placing these issues on the same level as AI-driven development, blockchain, and edge computing.
With the enforcement of GDPR in May 2018, the enactment of the California Consumer Privacy Act (CCPA) one month later, and other state and federal data privacy proposals not far behind, financial institutions of all sizes are having to devote time, personnel, and resources to the task of getting a handle on their data practices.
This webinar will explore how these regulations — and new data privacy laws appearing around the world — are changing the way financial institutions gather, process, and share personal data. Learn key highlights of GDPR and CCPA readiness, steps to consider in approaching expanded definitions of personal data and individual privacy rights, triggers that can impact compliance status, and business benefits of aligning with data privacy requirements.
Jill Reber, CEO, Primitive Logic
Steve Ernst, Senior Technical Architect, Primitive Logic
Tanya Madison, Chief Privacy & Cybersecurity Counsel, TD Bank
Ron Whitworth, SVP and Chief Privacy Officer, SunTrust
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InsurTech 2020: Emerging Trends and Technologies
Nov 21 2019
11:00 am
60 mins
Matthew Jones (Anthemis), Sibylle Fischer (Baloise), Matthew Wardle (Kasko), Dietmar KottMann (Oliver Wayman)
This panel session will go over the current landscape in the insurance industry and the trends and technologies that are looking to disrupt in.
Topics to be discussed:
-Do we need a new model for insurance?
-Understand the mindset of the modern customer
-Who are the players to watch out for
Matthew Jones, Principal, Investments, Anthemis (Moderator)
Sibylle Fischer, Director Strategic Venturing, Baloise
Matthew Wardle, CTO & Co-Founder, Kasko
Dietmar KottMann, Partner, Oliver Wayman
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The current state of the global payments industry
Nov 20 2019
4:00 pm
60 mins
David Parker, Alan Nagle, Julian Sawyer, Scott Abrahams & Sophie Guibaud
Join this session where we will analyse the current state of the global payments industry and make predictions on the key factors that will impact the status quo.
-Open Banking: what are its effects for Europe and on a global scale?
-SCA: delayed for 18 months - what will its impact be?
-QR codes or NFC: which will win globally
-Will fintechs eat the banks' lunch
David Parker, CEO, Polymath Consulting (Moderator)
Alan Nagle, Chief Commercial Officer, Cybertonica Ltd
Julian Sawyer, Co Founder & former COO, Starling Bank
Scott Abrahams, Group Head Acceptance & Emerging Payments, Mastercard
Sophie Guibaud, Chief Growth Officer, OpenPayd
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Guide to Creating, Coping with and Exploiting Disruption
Nov 20 2019
1:00 pm
60 mins
Dr Louise Beaumont, Kate Frankish, Jim Wadsworth, Ed Adshead-Grant and Conny Dorrestijn
Disrupting the Payments Ecosystem – who's disrupting the payments ecosystem and why, what does this mean for industry stalwarts, and who's moving fastest (and smartest) to exploit the changes. Join me and my panel – gathered from all corners of the industry - as we read the runes.
Dr Louise Beaumont, Chair, Advisor, Investor (Moderator)
Kate Frankish, Director, Strategy and Standards, Pay.UK
Jim Wadsworth, Open Banking, Mastercard
Ed Adshead-Grant, Payments, Bottomline
Conny Dorrestijn, Founding Partner, Bankifi
Save your seat
Disrupting the payment ecosystem for platforms
Nov 20 2019
11:00 am
60 mins
Tikhoze Banda, Country Manager UK, MANGOPAY
The last 10 years have seen an incredible growth of the e-commerce landscape with new disrupting business models adding themselves to the traditional ones. Online platforms are major actors of this phenomenon, think of marketplaces, crowdfunding platforms and even FinTechs. To enable payments on those platforms, traditional banks have found it hard to come up with adequate solutions.
This webinar will focus on the specific needs that platforms have when it comes to payments and how new end-to-end services like MANGOPAY are coping with this constantly evolving landscape.
Save your seat
The Future of Identity Management in Banking
Nov 19 2019
4:00 pm
60 mins
Identity verification, access management and authentication remain hot topics in the financial services industry. As the digital banking ecosystem continues to evolve in complexity, identity management technology must become increasingly sophisticated to combat fraud and ensure the safety of sensitive data.
Join this panel of experts to learn about:
- The latest advancements in identity verification technology
- How to evolve your KYC strategy to reduce fraud
- How to ensure your identity management strategy meets global regulatory and compliance requirements
Save your seat
Outsourcing Management Gives FinServ Control to Speed Digital Transformation
Nov 19 2019
9:00 am
60 mins
Andrew Smith, Director of Business Development, UK & Ireland, 4me Inc.
Gartner state, organisations are increasing selective outsourcing as Digital Transformation increases and drives new demands for services to be introduced and the finance industry is at the forefront of this evolution. These new service providers need control and management if their delivery is to be transformative and cost-effective. Service Integration (SIAM) in Enetrprise Service Management (ESM) keeps outsourcing accountable and aligned to the terms of SLAs, OLAs and underpinning contracts.
Save your seat
Ask the Payments Expert - Digital Payments your Customers Will Love!
Sep 25 2019
20 mins
Thompson Alastair, G+D Mobile Security | Rupert Nicolay, Microsoft
There is no doubt: the world is digital! And banking customers are changing their behaviour based on the experiences they have on their daily digital journey.
Nevertheless, today's customers adapt their expectations around digital applications based on the experience they have with leading social networks, global marketplaces, and their favourite online-stores. But it's not only the adoption of new behaviours that are disrupting customers' expectations. 67 per cent of the next generation's banking customers will be digital natives. And these customers also expect their solutions to be available anytime and anywhere. This presents an exciting opportunity to build your bank around your customer!
But as banking on the fly turns into a commodity, industry newcomers change the way traditional banking is done. For established financial service providers, this can be a threat.
In this talk, G+D' Digital Payments expert Alastair Thompson will give hands-on examples on the need for device-agnostic, digitalized payment services. And how to turn disruption into innovation and carve out new revenue streams.
Thompson Alastair, Business Development and Payment Expert, G+D Mobile Security
Rupert Nicolay, Worldwide Services Architect - Financial Services, Microsoft
Watch now
Livestream Discussion - Digital Transformation in Payments
Sep 25 2019
41 mins
Anurag Bajaj, Standard Chartered | Alastair Thompson, G+D Mobile Security | Rupert Nicolay, Microsoft | Adrian Smyth, RBS
The payments world and that of Payment Market Infrastructures (PMIs) have been shaken up with the rise of FinTech startups that challenge the traditional systems and also the changing needs of customers to have more flexible offerings.
Join this panel to learn:
-Payment trends in 2020 and beyond
-The effects of regulations on the industry
-What is the new norm for international payments?
-How business intelligence and analytics can support and improve the payments journey for your business
-The future of cross-border payments"
Alastair Thompson, Business Development and Payment Expert, G+D Mobile Security
Rupert Nicolay, Worldwide Services Architect - Financial Services, Microsoft
Adrian Smyth, Head of Innovation & Strategic Initiatives - Services, Payments, Royal Bank of Scotland
Anurag Bajaj, Managing Director, Regional Head of Transaction Banking, Americas, Global Head of Correspondent Banking, Standard Chartered Bank
Watch now
Livestream Discussion - Revolutionising the Banking and Securities Sector
Sep 25 2019
59 mins
Leda Glyptis, 11:FS | Polina Evstifeeva, Deutsche Bank | Jennifer Bers, Onfido | Denise Bedell, Content Innovo
"Banking and securities organisations are expected to accelerate business processes and innovate at a much faster scale than ever before. However, finding the balance between innovating and still staying compliant comes with its share of risks.
Join this panel to learn:
-How can financial institutions reduce operational expenses whilst also reducing risk
-Best practices for data management and streamlining processes
-The benefits and challenges of moving to the cloud"
Leda Glyptis, Chief of Staff, 11:FS
Jennifer Bers, VP of Sales, Onfido
Denise Bedell, Executive Director, Content Innovo
Polina Evstifeeva, Head of Regulatory Strategy - GTB Digital, Deutsche Bank
Watch now
Ask the Digital ID Expert - Identity Verification & Authentication Trends
Sep 24 2019
20 mins
Robert Prigge, President, Jumio & Tony Fish, Founder, AMF Ventures
With identity theft and account takeover on the rise, it's increasingly difficult for businesses to trust that someone is who they claim to be online.
Join this exclusive interactive 1-2-1 interview where Robert Prigge, President, Jumio will share the latest identity verification and authentication trends and how you can leverage the power of biometrics, AI and the latest technologies to quickly verify the digital identities of new customers and existing users. Some questions to be tackled;
What types of cybersecurity threats are on the rise? Any surprising stats?
Is account takeover becoming a real threat in the financial services space?
How will eKYC evolve over the next few years?
How to balance the trade-off between customer experience and fraud detection?
Are the new breed of challenger banks a threat to high street banks? If so why?
Register today and do not miss out on the opportunity to have your questions answered in this interactive question and answer session.
The Fifth Money Laundering Directive (5AMLD) - Can AML and identity verification processes be streamlined to deliver a better user experience?
This session will give you insights into the digital identity, authentication and verification landscape. You will also learn how you can increase the return on investment in your digital transformation by reducing online application abandonment rates and improving conversion rates.
Robert Prigge, President, Jumio & Tony Fish, Founder, AMF Ventures
Watch now
Livestream Discussion - Mitigating Business Risk in FinServ with Cybersecurity
Sep 24 2019
36 mins
Cheri McGuire, Standard Chartered | Tony Fish, AMF Ventures | Robert Prigge, Jumio | Steven Holt, EY
Cyber-attacks have cost the financial services industry more than any other sector, especially due to the extremely sensitive data and assets that they are gatekeeping.
Join this panel to learn:
-What is the current state of the cybersecurity in financial services?
-Why is cybersecurity more of a business risk than a technology issue?
-Best practices for detecting and preventing threats
Robert Prigge, President, Jumio
Tony Fish, Founder, AMF Ventures
Steven Holt, Practice Lead - EMEIA FS Cybersecurity, EY
Cheri McGuire, Group Chief Information Security Officer, Standard Chartered Bank
Watch now
Livestream Discussion - The Future of Trade Finance
Sep 24 2019
38 mins
Rowan Austin, NatWest | Rebecca Harding | Enno-Burghard Weitzel, Commerzbank | Michael Sugirin, Standard Chartered
When it comes to cross-border transactions, the shift to a digital landscape and infrastructure is a common challenge. The demand for clearinghouses, the rising competitive landscape, and the increasing need for new technology will no doubt impact the trade finance landscape.
Join this panel to learn:
-How can emerging technologies like blockchain be used to transform the future of trade finance?
-How can global and regional banks better collaborate to create a more efficient ecosystem?
-What are the interoperability challenges that arise, especially with regards to global supply chains?
Rebecca Harding, Independent Economist
Rowan Austin, Head of Trade Origination & Advisory, NatWest
Enno-Burghard Weitzel, Head of Product Management Trade Services, Commerzbank
Michael Sugirin, Global Head, Open Account Trade, Ecosystem & Trade Implementation,
Transaction Banking, Standard Chartered
Watch now
Ask the Transaction Banking Expert - Digital Trends in Trade and Supply Chains
Sep 23 2019
10 mins
Michael Sugirin, Transaction Banking, Standard Chartered
Join this exclusive interactive 1-2-1 interview with Michael Sugirin, Transaction Banking, Standard Chartered. Some questions to be tackled;
- Technology has made a huge impact on banking and on physical supply chains in recent years. What do you see as the key trends in the short to medium term and how will they impact supply chain financing?
- What role does Standard Chartered play in the transformation of global supply chains?
- How will digital transformation of the supply chain make the industry more sustainable?
- Who is leading the charge to adopt new technology and applications in trade? Fintech, Bigtech, Banks, Clients, Regulators?
Michael Sugirin, Global Head, Open Account Trade, Ecosystem & Trade Implementation, Transaction Banking, Standard Chartered
Moderated by - Paige Azevedo, Community Lead, BrightTALK
Watch now
Livestream Discussion - Open Banking and PSD2: Opportunities and Challenges
Sep 23 2019
32 mins
Richard Price(Tibco), Brad van Leeuwen(Railsbank), Andy Ramsden(G+D), James Lloyd(EY), David Bannister(Aite Group)
The banking revolution has been spearheaded by movements that put the power back into the hands of the customer. Some banks have capitalized on this opportunity, while others have struggled. Join this debate where experts will discuss:
-How can new platforms and technology help financial institutions meet the changing needs of their customers
-How will SCA impact the financial services landscape
-Best practices for API aggregation and data management
-What regulators want you to know
-Compliance challenges and ensuring your organization is ready for change
-How to deal with the common challenges around Open Banking and PSD2
Brad van Leeuwen, Head of Partnerships, Railsbank
Andy Ramsden, Authentication Expert, G+D Mobile Security
David Bannister, Senior Analyst - Wholesale Banking, Aite Group
Richard Price, Head of Financial Services UK & Ireland, TIBCO Software
James Lloyd, Partner and Asia-Pacific FinTech & Payments Leader, EY-Parthenon
Watch now
That's not my tuna: blockchain applications in the real world
Sep 19 2019
36 mins
Kate Baucherel, Digital strategist and COO City Web Consultants
Behind the hype, there are enterprises across all sectors using blockchain effectively to meet business needs. Author Kate Baucherel presents case studies, success stories and cautionary tales from her forthcoming book Blockchain Hurricane (Business Expert Press, Spring 2020)
Join BrightTALK's FinTech Insights group on LinkedIn: http://bit.ly/2PLQXG3
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Myths, Facts and Challenges Facing Blockchain
Sep 17 2019
53 mins
Ahmed Banafa, IoT-Blockchain-AI Expert & Professor, San Jose State University
In this webinar Prof. Banafa will discuss Myths, Facts and Challenges facing Blockchain Technology, he will explain Libra the new cryptocurrency of Facebook , list the 7 mistakes to avoid in Blockchain projects , he will explore the job market for blockchain technology , the webinar will cover applications of blockchain technology too.
Join BrightTALK's FinTech Insights group on LinkedIn: http://bit.ly/2PLQXG3
Join BrightTALK's BI & Big Data group on LinkedIn: http://bit.ly/2PJlPHm
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60 mins
Camila Reed, Managing Director & co-Founder Global Voice UK
Women are shaping the FinTech ecosystem for the better. However, many still struggle with 'impostor syndrome' and are unsure about their career progression. How can they become leaders of tomorrow? What can they learn from peers within the ecosystem?
Join Innovate Finance and a host of special guests as they share insights on their career journeys and paths to success.
Anna Frankowska, Head of Growth and Business Development at Pigzbe
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Tikhoze Banda, Head of UK Region at MangoPay
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Myths , Facts and Challenges Facing Blockchain
Aug 24 2019
54 mins
Ahmed Banafa, IoT-Blockchain-AI Expert & Professor, San Jose State University
In this webinar Prof. Banafa will discuss Myths, Facts and Challenges facing Blockchain Technology, he will explain Libra the new cryptocurrency of Facebook , list the 7 mistakes to avoid in Blockchain projects , he will explore the job market for blockchain technology , the webinar will cover applications of blockchain technology too.
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60 mins
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In this one-hour presentation, I will give a nontechnical overview of the Libra proposal by Facebook, followed by Q&A.
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Title: [Video panel] Digital Transformation: Turning Strategy into Reality
Live at:
Oct 18 2017 7:00 pm
Presented by: Oisin Lunny, Sophia Vikander (Nordea), Andy Hirst (SAP), Tom Durkin (Bank of America)
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[Video panel] Digital Transformation: Turning Strategy into Reality
Oisin Lunny, Sophia Vikander (Nordea), Andy Hirst (SAP), Tom Durkin (Bank of America)
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46 mins


text:
Ron Gettelfinger, UAW President and potential next spokesperson for "Just For Men Gel", responded to questions from reporters today during a break in a hearing on Chinese trade practices at the University of Michigan-Dearborn. The most important question asked was whether the UAW Prez saw a strike as a possibility. Ron's response:
"We have not ruled out any of our options...I think the attrition package got them where they [Delphi] need to be, and they act like nothing has changed."
Also, Gettelfinger did say yes to the question of whether there would be more meetings before August 11th, the date of postponement of more hearings on Delphi's bankruptcy restructuring. He gave no indication as to whether he'd be bringing danishes or bagels. Our bet? Bagels.
UAW president says Delphi strike still a possibility [Detroit News]
Breaking...And Obvious! Unions Dislike Delphi Management Over Bonuses [internal]

subset: commoncrawl


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Crow On A Wire String Lights
Earn $25 back in rewards* for every $250 spent with your Pottery Barn Credit Card.Learn More
- Overview
Six crows clutch an illuminated wire for a delightfully disturbing display, indoors or out.
- 8' long
- 6 crows cover globe lights.
- Hangs from a green cord; prong-style plug in.
- Includes two replacement bulbs.
- For both indoor or outdoor use; avoid contact with water.
- UL listed.
- Catalog / Internet only.
- Dimensions & Care
- Connect up to a maximum of 10 strands.
- Overall: 9' strand
- Crow (6): 3" diameter, 7.5" high
- Bulb: 7 watts, type C7
- Wipe with a soft, dry cloth.
- When not in use, store in a box or in tissue paper.
- Shipping & Returns
Final-sale items, identified by a price ending in $.99, cannot be returned. Once placed, your order for this item cannot be cancelled. Quantities are limited. The same price is also available when you shop our catalog.
UPS can deliver most in-stock items within 3-5 business days.
Next Day Delivery and Processing
We can arrange for next day delivery to most destinations within the contiguous 48 states, for an extra charge of $26.00 per address. If we receive your order by 6pm PT Monday through Friday, you'll receive your order the next business day; orders placed on Friday after 6pm PT through Sunday will arrive on Tuesday. Note: Next Day Delivery service is not available for some oversized items, White Glove Delivery, out of stock items, personalized items or for items shipped directly from the manufacturer.
View the complete Shipping and Delivery Information page.
You can return eligible item(s) within 30 days of receiving an order or 7 days for Quick Ship upholstery items for a refund of the merchandise value. An original receipt or gift receipt is required. Monogrammed items and Made to Order furniture or rugs are not eligible for returns. Review the full list of ineligible items and our refund policy below before starting the process.
Easy Ways to Return:
- Stores - You can return most non-furniture items to your local Pottery Barn store for free.
- Bring to UPS Location (under 70 lbs) – See our full Easy Returns Policy to start the process.
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Items non-eligible for returns or exchanges:
- Monogrammed items
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- Items damaged through normal wear and tear
Questions? See our full Easy Returns Policy.


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The Creator has granted us an amazing privilege. We do not "own" the children we have been blessed with. They are priceless gifts from God to be trained up in the way they should go—in God's way—because they are not ours, but God's. What does that mean?
Have you ever been deeply disappointed by your young children?
We need Jesus to help us love each other.
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Answers in Genesis is an apologetics ministry, dedicated to helping Christians defend their faith and proclaim the gospel of Jesus Christ.


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Welcome to Part 10 of 10
Mistake #10 - Going It Alone
Enjoy Part 10 of this 10 Part Series, "The Top 10 Biggest Mistakes Podcasters Make, and the Proven Gear, Strategies, and Tactics How to Avoid Them"
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In an effort to address the sport's most overheated and overrated controversy, the Women's Tennis Association is introducing some sort of preposterous grunt-o-meter. Here's USA Today's Doug Robson on what the WTA will be rolling out:
• The development of a handheld device—a kind of Hawk-Eye for noise —for umpires to objectively measure on-court grunting levels.
• A new rule setting acceptable and non-acceptable noise levels based on acoustical data gathering and analysis.
• Education at large tennis academies, national development programs and at all levels of junior and lower-tier professional events.
Naturally, this will take years and years to implement. And it's unclear exactly how players will be penalized for grunting too loudly. (It doesn't seem like the hindrance rule—memorably invoked in the Serena Williams-Sam Stosur U.S. Open final last year—will be expanded to include grunting.)
But who cares! At long last the sport—with its lack of rivalries and its less than compelling play of late and its weak Grand Slam finals and its crappy TV ratings and its ongoing love-hate psychodrama over the Williams sisters—is addressing the 89th-most-pressing issue facing women's tennis.


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cancel out (of)
cancel out
1. To negate or offset something. A noun or pronoun can be used between "cancel" and "out" or after "out." My husband and I support different political parties, which means that his vote always cancels out mine.
2. To remove or erase something. A noun or pronoun can be used between "cancel" and "out" or after "out." We just ran out of the crab special, so be sure to cancel it out on the menu.
3. To remove equal factors from a mathematical equation. A noun or pronoun can be used between "cancel" and "out" or after "out." Once you cancel out those two numbers, what total are you left with?
4. slang To kill someone. A noun or pronoun can be used between "cancel" and "out" or after "out." Ray canceled out the informant, just as the boss told him to.
cancel out (of)
To cease being involved in something. In this usage, the phrase is often written as "cancel out of" with the activity or event stated after "of." I had to cancel out of the play when I realized that its rehearsals conflicted with softball practice. We can't cancel out now—everyone is relying on us!
cancel something out
to balance the effects of something. Sending flowers might cancel the bad feelings out. The last payment canceled out the debt.
cancel out (of something)
to withdraw from something. I hate to cancel out of the event at the last minute, but this is an emergency. It's too late to cancel out.
cancel someone out of somethingand cancel someone out
1. to eliminate someone from something (as from a list of names). We had to cancel them out. We canceled out all the people who did not show up.
2. Sl. to eliminate someone; to kill someone. The drug lord threatened to cancel out his former partner for testifying against him.
cancel out
Neutralize the effect of, offset, render void. For example, Anne's kindness to her neighbor could not cancel out her irritability. The verb cancel was used in this way by itself from the late 1400s; out was added in the early 1900s.
cancel out
1. To delete or erase something: I went back to the list and canceled out my name. Realizing the total was incorrect, I canceled it out and recalculated the price.
2. To equalize or make up for something; offset something: Today's decline in the stock's price canceled out yesterday's gain. We made record progress last month, but the delays this month have canceled it out. I never go to the beach because the fun of swimming in the ocean and the difficulty of getting to the beach cancel out.
3. To remove a common factor from both sides of a mathematical equation: After I canceled out the common factors, I could easily solve for the variable. When two factors are equal, you can cancel them out.
4. To withdraw from something, as an activity or obligation: They had dinner reservations with us, but they had to cancel out when they couldn't find a babysitter.
5. Slang To murder someone: The loan shark threatened to cancel me out if I didn't pay him the money. The gangsters vowed to cancel out any rivals.


text:
Incidentally, I forgot to mention the lifetime warranty that Crank Bros offer on the M17. Which is reassuring.
Crank Bros M17 doesn't just look cool, it's a really nice tool to use.
The M17 comes with the standard range of tools that you would expect, such as allen keys from 2mm through to 8mm and two screwdrivers, Phillips and flat. All of the tool bit are hi-ten steel, so they should last. They're fairly short too, which should reduce the chance of a tool bit twisting and snapping off. The downside is that they might be a little short for some fiddly operations but I've had no trouble so far. The 8mm in particular is very stubby, which means that when you're trying to apply some serious oomph to shift a cheeky crank bolt there's much less chance of slipping. It certainly helps that the frame of the tool, in handsome gold anodized aluminium, is surprisingly comfortable to use and always feels secure.
The real star of the show however is the chaintool. The wide head of the tool (which also contains some nice deep spoke keys and a couple of spanner heads) gives a comfortable and stable grip for even the most stubborn of chains. I used it on a strapping half link chain with no problems at all and it also coped well with hefty single speed chain that my workshop tool won't accommodate at all.
If I have any quibbles it's that it doesn't come with tyre levers and the rubber strap keeping the tools secure is probably going to go awol one day. That's me being picky though, this is a really good tool and it's quickly become a favourite in my toolkit.
One of the best multi-tools I've used. If it came with tyre levers it would be just about perfect.
If you're thinking of buying this product using a cashback deal why not use the road.cc Top Cashback page and get some top cashback while helping to support your favourite independent cycling website
road.cc test report
Make and model: Crank Brothers M17 multitool
Size tested: n/a
Did you enjoy using the product? Yes
Would you consider buying the product? Yes
Would you recommend the product to a friend? Yes
About the tester
Age: 40 Height: 5\' 8 Weight: er....86kg
I usually ride: GT Rave - singlespeed conversion My best bike is: Guess SC1 scandium
I've been riding for: Over 20 years I ride: Most days I would class myself as: Experienced
I regularly do the following types of riding: time trialling, commuting, general fitness riding, fixed/singlespeed,


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I made this gorgeous wee mouse from a pattern by Jodie from Ric Rac this morning and I'm totally in love. The pattern was so easy to follow and make and I know that Miss E will love her.
This particular pattern was featured in Australian Homespun magazine in November. You can order a download a digital copy and get the pattern from there. I made the little mouse a bed in a craft suitcase. The mattress is a lightly stuffed rectangle of fabric, a smaller one for the pillow and I made the sheet/blanket by turning under and stitching around a square of fabric. I then cut out a square of minky the same size and zig zag stitched the two together around the edges.
Jodi has lots of other gorgeous animals and dolls to make in her shops and I highly recommend you read her blog. She writes stories for the toys she designs and is utterly hilarious.
Now I just have to make another of these for my other daughter. Or maybe I'll have a go at this fox instead.


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Briar Rose Knit Skirt
I did it. I made something with knits. You know when people tell you that sewing with knits isn't as scary as it sounds? They're lying. ;) Ok, maybe not. I mean, I was successful. But I wouldn't exactly say I enjoyed myself.
After buying a few Briar Rose quilting cottons, I really wanted to get a yard of the jersey knit strawberries to make a skirt for my daughter. I started Googling for sewing tips and found a really nice summary on Pretty Prudent. Armed with my ballpoint needle and stretch stitch, I got to work.
I just don't know how people don't get completely annoyed with how knit is constantly rolling up on itself. Please, someone tell me. LOL Once I had it pinned all over, I felt better, but it tested my patience.
This skirt is based off the Oliver + S Lazy Day Skirt Pattern, which I've made so many times I don't even need the pattern anymore. My daughter's favorite type of skirt. It's cozy and cute, but might be my last time touching knits for awhile. :)


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PDGA True Amateurism Article
From the PDGA website:
Applause, cheers, boos, catcalls from the usual suspects, race to be the first person to post your "Don't confuse me with facts, my mind's made up," Opinions on Am vs Pro cash vs merch comments.
But before you do that, please set aside your heartfelt opinion for a few minutes and actually use the internet.
Google a few things:
Amateurism in sports.
History of amateurism in Olympic Games.
History of amateurism in sports.
(this one in particular should be enlightening, especially in the context of most "Big money" sports early vehemence in promoting amateurism so as to exclude more competition in the pro divisions. Once you do some reading into the idea and aim of "True Amateurism you may have an entirely different opinion then you thought you had.. I know I did.)
History of professional sports, with particular attention to minor league baseball and farm league hockey.
Semi-pro and Pro-am sports.
World series of poker (for comparision of another game that has experienced massive growth in a short time through adapting a pro-am model in another mostly self funded format.)
Promotions in sports.
Sponsership in sports.
Demographics of PGA golf, PGA tour, PGA tour cards, PGA membership requirements.
(The PGA protects itself from wannabes so well that you can't even get a straight answer on costs and requirements to join on its own website.)
Demographics of the PDGA, in particular:
Take particular note of the fact that out of 91 men and 16 women only 27 of them made even 10k last year, and whether or not you'd consider that, "Making a living."
Now think about Disc golf itself. Think about the last few tournaments you played who the Pro players were, how many of them were "Touring pros," or locals from league and semi locals who make a handful of tournaments every year and have lives and day jobs.
Were most of them 1000 rated players or even 970+ or were the ratings all over the place since anyone can be a "Pro" just by paying an extra $25 a year.
Now read the article again and think about it for a bit.
Now let's work on putting it all in context:
Whether or not you agree on the idea for worlds itself let's take a look at America and how often we have the "Slippery slope" cliche tossed around. Every time a decision is made that effects a group people always say, "It's a slippery slope," Yet once a ball gets rolling it's pretty much unstoppable no matter how much people argue about it. In politics there's often no opposing view to even vote for anymore, even if half the people worried about the consequences down the road even got off their asses and tried to do something about it.
We went from talking about how people shouldn't do unhealthy things because it effects other people too to banning soft drinks larget then 16 ounces in New York City to now the FDA talking about restrictions on energy drinks because they're "Dangerous," and the USDA actively trying to influence sugar prices so less poor people will be able to afford to eat it. Employees up in arms because now companies are forcing them to provide details on everything from medical family histories to health habits and blood sugar counts, while everyone said "Oh, they won't carry it that far." The state of New York alone passed over 16,000 new laws last year, because the ruling body is obviously so much better equipped to make these decisions for us we cannot be possibly be trusted to make them on our own. Life would be terrible without so many laws. Or so the argument goes. Everything is about ideals and not reality, and done in the name of "The public good."
A few weeks ago this whole debate got started up again over Dynamics decision on how to run Am worlds this year and we've already gone from that to a statement by the PDGA on how this is the new model for the future, all by unanimous decision by the PDGA board, with, as far as I can tell, no input from the membership itself. Which is alot like how the whole cash-vs-merch system got started in the first place. That system worked, disc golf needed it to expand in the early days, but the the ideal of "True Amateurism" was declining even back when the PDGA was promoting it as the reason for the system. It sounded good,it sounded professional, most people knew nothing more then the term itself, and most people would rather just be out playing instead of actually being involved. Just like the smoking ban at majors sounded good, it looks "Professional" and was heavily politically correct. The fact that the PDGA used it as a blanket to encompass E cigs and chewing tobacco even though those have nothing to do with anyone elses health or well being on the course shows clearly that it was nothing but that, a PC nanny state image decision that had nothing to do with reality. All of those products are perfectly legal, E cigs don't even contain tobacco (or even nicotene in some) and chewing tobacco has no secondhand smoke issues so do not effect anyone else but the individual. At least they took a vote on it, although I have no idea if all of those products were covered in the voting survey.
Today it's worlds, what's tomorrow, all NT's? All A tiers? All tournaments period? (Trophy only, not smoking, was merely using the smoking policy as an example.)
True amateurism is an ideal, one that is pretty much past its time in the 21st century, it looks great on paper and sounds great talking about it, but an ideal nonetheless. True Amateurism also cannot exist without "True professionalism." Take a close look at the earnings of the pro tour and pro player demographics.
Pro-Am is the reality in many sports today and should be the model disc golf should be using, one that is based in facts and money and the real world of sponsership and getting players to join tournaments. It's also the current format for most of today's DG leagues, including PDGA sanctioned ones.
The fact that the board decision was unanimous is discouraging, it shows the PDGA board is apparantly mired down in too much idealism and image and not enough reality. Disc Golf continues to expand despite that principle, not because of it. Unlike American politics disc golf is not so mired in bureaucracy yet that nothing can be done about it though, we're still a small enough body that members can educate themselves and our board members, and large enough to find others to vote for if they can't be persueded to change their opinion. Though like American politics nothing will change unless people care and are willing to face facts and voice them instead of opinions.
If all that fails (like politics today) another option is to run unsanctioned "cash only" tournaments for all divisions. People will come, just like they do for league.. which are essentially the exact same thing on a local weekly scale. There's one reason there are alot more league players then PDGA players.
A last example in closing:
Ideal: Disc Golf should be on TV, there should be millions of dollars in sponserships and networks should be fighting over covering the memorial.
Of course no one's going to disagree with that, everyone's been dreaming about it since the first worlds.
Fact: Watching the memorial live coverage checking several times throughout the most "Live viewers" I saw at any one time was 112.
Dreams are exciting, reality is what it is.
Final Disclaimer: This is not about having an issue with how Dynamic Discs decided to run Am Worlds, it's an issue about the PDGA endorsing it as THE model for the future. And how far that will extend down the line given time.
Sponsored Links
Flaming begins now, I guess I asked for it by posting in the first place.
I'm sure the first couple pages of replies will be typical and mostly from the people I've seen argue about it all before. It's ok, I've been working on thicker skin.
cliff note version?
i couldnt read the whole thing, sorry.
I like it for the big tourneys, I imagine paying out merch to that many players is a huge pain. I have to imagine that most people playing Worlds also have plenty of plastic already.
However, I think lots of clubs and tourney promoters make most of their $$ off of merch, so I don't think that making this a model for all tourneys is a good idea.
I only read the PDGA article and the OP, not all of the related references.
I hope it wasn't just because of that one word, but if it was I understand. I always skip to the next post when I see blatant abuse of there their and they're.
I'll hang my head in shame now. And embarrassment.
Just to give a clearer idea of where I actually stand it's more like:
The concept of amateurism in today's sports, much less Disc Golf in general is an over used, timeworn, meaningless word. If it weren't you'd have players walking up to total strangers all the time asking if they could play a round together just for the competition.
Groups of friends might go out together all the time, people might play PDGA leagues where there are only $2-3 on the line, but challenging strangers for it's own sake just doesn't happen much. Closest thing I can even think of is going to a bar and putting quarters down on a pool table and having to play the person holding the table first.. Even then, you're playing for the table so it still doesn't quite compare exactly.
You might go ask someone you've never met before if you can play a round with them but it's usually not to compete with them it's to find your way around a course you've never played before or you were out by yourself and saw someone else by themselves and DG is a friendly sport.
The idea of trophy only does have a place in DG, but at the far ends of the spectrum and not in the middle, and intermediate, advanced, and most open players all fall into one large middle.
Trophy only should be for novice divisions and invitationals, for novices it could make the entry fees dirt cheap to encourage the experience, it's also a great place for people to get a start. Even when it's run on the same day on the same course it should really be considered an entirely separate event within itself. (All divisions pretty much are anyways except cases where am money is "donated" to the open purse, which is at the TD's discretion; more on plastic payouts below.) Added cash from sponsors can go to the top division for promotion and marketing but even fundraiser event cash should be split among separate divisions.. I.E. you play a fundraiser tourney as an am your money should go to the am purse... All of the mechanisms for this are already in place in rec/intermediate/advanced, you must play up a division if your rating demands it, however the pro division is not protected except at a few select tournaments, more on that too below.
For something like AM worlds a trophy could definitely mean more then cash/prizes.. If Am Worlds were truly protected and you had to qualify to play. With no exceptions. It means everyone there deserved to be there, Then again, if you take DG for what it really is and changed the system Am worlds would really be just "Somewhat Lower Rated Pro Worlds," Both would be fully protected since both would be major sponsored events and both would just play for cash/trophies within their own divisions.
Plastic payouts and pro purses:
I don't really have any issue with the payout system as it's been done in the past, it's worked well at growing disc golf from many directions. I've said in a couple other posts I do think it might be getting a little out of date with the times and that the system could use some refocusing, once again to the extreme ends of the disc golf spectrum. TD's no longer have to rely on plastic wholesale/retail differences to be compensated for tournaments or donate the proceeds to the pro purse if they don't wish to be compensated. Plastic dealers, even the ones working out of the trunks of their cars no longer need to be majorly subsidized by am payout purses, they have a large enough market just to sell at tournaments and work out deals with TDs for player pack discs. Novice divisions still profit from plastic payouts / player's packs in advertising manufacturers and retailers though, more so then more experienced players often unable to find plastic they want/need in a tournament's disc stock.
Local pro purses no longer need to be subsidized at all levels, certainly not to encourage growth in the open division especially B and C tier events. Today's Am is not going to go pro just because there's added cash in the purse either. He won't go until he thinks he has a fair shot at "Making the cut." There's enough people now playing disc golf and enough larger events that the cream will eventually rise to the top through time and devotion without giving the (local better player) you play league every week with an extra 50 bucks at the three local tournaments a year he plays.
The money could be much better spent growing the top tier taking a flat fee from every player at a PDGA event and putting it towards more Vibram/USDGC type events so the players who are really out there devoting their lives to disc golf can actually make enough to be self supporting.
Take $5 from every players entry fee or even a sliding scale by division going UP as your division goes up as an added incentive, put it into a fund and do it for a few years before you start the event series and you could truly have some massive prize purses for a genuine "Pro invitational tour."
"Now with sponsorship spelled correctly since 6:27 pm."
I can also see:
PDGA Am will be all the Rec and Novice players. PDGA Pro will be all the local top current ADV and Pros. While the group between the middle won't be happy about either situation. Almost everyone I know who plays ADV or upper INT wants to be able to play for cash not trophies. We all want to say we are a pro. Lots of us are not at that level yet. But if you turn trophy only on us, we will loose interest. And probably only a handful will buckle down and improve their game so they can move up.
Like usual the governing body is out of touch with its constituents. But that has to do with the poor voting record, and peoples stupidity when it comes to familiarity over logical.
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I have a requirement to redirect a SharePoint web site to a custom built mobile site. MobilityRedirect feature allows something similar but for SharePoint. Is it possible to utilize this feature to redirect a SharePoint web site to, for example mobi.sharepoint.com instead of sharepoint.com/m?
Current solution to this would be a handler that detects a mobile device, and redirect to mobi.sharepoint.com, but if this is possible within SharePoint without a handler, would rather use that?


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Log In needed Book now for 2019 for Salmon and Halibut fishingReport Ad
Salmon and Halibut fishing Ucluelet
Ucluelet is one of the best places on the coast to catch salmon and halibut and we are booking for 2019. The 2018 season was good for Chinook salmon in the 15-25 lb range and we were surprised by a few early season Tyees (Chinook over 30 lbs) during May/June. Ucluelet is one of the most productive places to catch salmon on the coast. Ucluelet has more feeding area for all types of fish including salmon, halibut, ling cod and snapper and is about 5.5 hours from Vancouver by driving/taking the ferry. A 3 day 4 person trip starts around $1425 per person.
Our guides know your vacation time is short and so you want to make the most of it. Our guides have spent many hours on the water and know where and when to put down for the fish so you have a successful fishing trip. Our 27-29ft heated boats have heated cabins and large decks so you don't have to dress in oversized suits to keep warm. Check out www.salmoneye.net/site/fishing-packages.html for all our packages. We start fishing in March and wrap up in late September.
The Pacific Rim is one of the most beautiful places in the world. For more things to do in Tofino and Ucluelet check out www.tofino-info.com.
Book now for 2019 for Salmon and Halibut fishing
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New Zealand has always been somewhat unusual in economic terms. With our emphasis on agriculture and primary produce - the characteristic most often of undeveloped economies - we nevertheless succeeded in achieving a high standard of living, to the point where - in the 1950s - we enjoyed one of the highest living standards in the world.
In those days, however, our economy had a certain balance. Small as we were, we were not only efficient primary producers but had developed a manufacturing base that met a reasonable proportion of our needs and a service and retailing sector that was responsive to local control.
Able to pay our own way, with an economy that was competitive across the board, we could look the world in the eye.
Since that time, however, the picture has dimmed. As we have been absorbed more and more into a global economy, international competitiveness has mattered more and more. We were not helped, of course, by fundamental changes in our trading patterns, such as the UK's entry into the European Common Market.
Ever larger parts of our economy - such as manufacturing - have found the going tough, and have felt the pressure of having to compete with more efficient and lower-cost producers elsewhere. Only the most efficient sectors - in comparative terms - survive.
An uncompetitive economy like ours becomes as a consequence more and more dependent on those fewer and fewer sectors that can compete in international terms - and in our case, that means primary produce, and even more specifically, dairy produce.
We have chosen, however, not to recognise the remorseless economic logic that underpins these developments. We have behaved as though - as a total economy and not just in terms of rapidly shrinking proportions of it - we are highly competitive.
We have cheerfully entered into free trade arrangements with all and sundry, including the most powerful and efficient economies in the world, apparently confident that we can take them on across the board without suffering damage to our own productive sectors.
Worse, we have quite deliberately set about making the problem more serious. We knowingly pursue policies that - through offering an interest rate premium to anyone who will lend us money - drive up our exchange rate, which immediately makes our lack of competitiveness much worse.
We then avert our gaze from the consequences of these policies. As though a perennial balance-of-trade deficit, a huge private sector borrowing requirement needed just to keep our heads above water, and the pressing need to sell off more of our assets to foreign owners than any other advanced country are not enough, we still blithely tell ourselves that we are doing well and that our economy is in good shape.
As large parts of our economy cease to exist, our Pollyanna Prime Minister denies there is a crisis in manufacturing; yet manufacturing jobs, manufacturing output, the balance of trade in manufactures, are undeniably all in a bad way.
He does not seem to be aware - and if he is - seems not to care, that manufacturing's share of our economy has fallen from 26 per cent in 1972 to just 12 per cent by 2009, and will have fallen substantially since. Even those parts of our manufacturing economy that do survive - Fisher & Paykel Appliances, for example - are being sold off to foreign owners.
All evidence shows that successful modern economies build their success on efficient manufacturing.
Manufacturing is the most important source of innovation, the most substantial creator of new jobs, the most effective stimulus to improved productivity and offers the quickest return on investment.
Almost without exception, economies that have given up on manufacturing have struggled and have discovered that supposed substitutes are either castles built on sand, as in the case of the UK's financial services industry, or deliver their benefits to only a small part of the economy, as in the case of Australia's mining industry.
By contrast, the world's new economic powers - China, India, Japan, Korea - have built their strength on manufacturing, while the strongest of the longer established economies - Germany - continues to do likewise.
We, however, tell ourselves that competitiveness is not something we need worry about. We wave goodbye to manufacturing with nary a care, and expect dairying alone to carry the burden of guaranteeing our future prosperity.
But our competitive advantage in dairying is already being eroded as well. We are already treading the familiar path of selling off large chunks of our productive capacity and expertise in dairying to potentially powerful competitors and we have taken the first fateful steps in selling vital income streams from dairying to foreign owners. When dairying has followed manufacturing into decline, what will we do then to pay our way?
Bryan Gould a former vice-chancellor of Waikato University was previously a British Labour MP.


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HRA: Third Annual Hall of Fame
Meet this year's inductees into the Hawaii Restaurant Association's Hall of Fame.
(page 1 of 4)
As a nonprofit trade association, the Hawaii Restaurant Association (HRA) represents our state's restaurants, food-service businesses, and the hospitality and tourism industries. These industries are cornerstones of Hawaii's economy, with more than 3,500 locations employing 82,000 people.
In 2007, the HRA celebrated its 60-year anniversary. To mark the occasion, the group began its Hall of Fame.
Each year since, new inductees have been selected, chosen for their contributions to the image and quality of the restaurant and food- service industry in Hawaii; service to the industry through civic, philanthropic or educational outreach; dedication and commitment to the growth of the industry.
This year, the Hawaii Restaurant Association's Third Annual Hall of Fame honors a diverse mix of chefs, restaurant owners, food writers and farm-to-table pioneers. Each has helped build the foundation of the food industry in the Islands. Join us in savoring their accomplishments.
Ed Wary
Auntie Pasto's
Honolulu, Oahu
When Ed Wary moved to Hawaii to go to college, there were only two Italian restaurants in Honolulu. Both of them featured white tablecloths and tuxedoed waiters.
"Instantly my entrepreneur light bulb went on," says Wary. "What this town needed was a good little spaghetti joint with cheap prices and a friendly environment."
Twenty-six years later, Auntie Pasto's remains true to the restaurant Wary had envisioned. The pastas are among the least expensive in town, and the atmosphere is still fresh and unpretentious. There are no hostesses, or five different wine glasses: You sit where there's an open table and order off the Plexiglas menu on the wall.
In the midst of all of the creativity and hard work, Wary was also appointed as Hawaii's director to the National Restaurant Association, and was the first restaurateur ever to be inducted into the University of Hawaii Alumni Hall of Fame.
As for the future, Wary hopes to continue to exceed his customers' expectations and have his restaurant remain a place of value and fun.
"We're going to try to remain fresh. We'll do some unique things while still keeping our main personality in style," says Wary. "We are a place to eat, not a place to dine."
Barbara Holm
Food writer for Trade Publishing and Hawaii Hospitality magazine
Honolulu, Oahu
You might be surprised to find that Barbara Holm's 33-year-old column "What's Cookin'" is not a cooking column at all, but a hospitality column written especially for chefs, restaurant managers and owners. Holm's column was the first of its kind, and for a long time it was the only trusted source for those looking to announce their restaurant's news.
"When food distributors were in the process of buying another company or buying each other out, it was usually my column that would announce it," says Holm. "They felt more comfortable because my readership is the food industry."
Holm has now become the go-to person if you need to get in touch with someone who has retired from the food service scene.
"People will call and say 'whatever happened to …' and I have this huge network of people that I can always call and ask. I always manage to track them down," says Holm.
Although her column has changed the way the restaurant industry communicates, Holm herself is surprised that she would get such recognition for it.
"It's really something to get an award for eating, drinking, partying and writing about it," laughs Holm. "I've had so much fun doing it!"


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Nation & World
Kerry looks to China to rein in N. Korea's nuclear arms, but at what cost?
They may not agree on much, but China, Japan, South Korea and the United States appear to share one common interest – to prevent North Korea's nuclear weapons from destabilizing Asia.
Yet as U.S. Secretary of State John Kerry makes a three-nation swing through Asia this week, the fissures that divide these countries are complicating the task of pressuring North Korea to abandon its nuclear ambitions.
At a press conference late Friday in Beijing, Kerry said he had productive conversations with top Chinese leaders, who he said "could not have been more emphatic" in their desire to stop North Korea's nuclear program "over the long run."
But Kerry also acknowledged that he and President Barack Obama have major differences with China on human rights and China's recent claims on vast ocean expanses off its coasts. So the question becomes whether Obama and Kerry will risk expending their political capital on those issues at the possible expense of a major foreign policy prize – a less dangerous North Korea.
Kerry spent Friday meeting with Chinese President Xi Jinping and other top Chinese officials. He said that he and his Chinese hosts discussed specific steps that could be undertaken to prod North Korea into what diplomats called "denuclearization." Kerry wouldn't say what those steps are, but he said that both sides are taking their separate proposals "under advisement" to be subjects for further discussion.
China has had longstanding concerns about North Korea's bellicose and unpredictable behavior, highlighted recently when North Korean leader Kim Jong Un purged and executed his uncle, Jang Song Thaek, who was close to Beijing.
Even so, few foreign analysts think China will apply heavy pressure to persuade Kim to re-engage in six-party talks that seek to prompt North Korea to give up its nuclear program in return for aid. Such talks haven't been held since 2008. For now, Beijing appears to be figuring its relationship with Kim in light of his execution of his uncle.
On Thursday, Kerry spent time with top government officials in South Korea, after which he made clear that North Korea's nuclear program would be a major focus of his two days in Beijing.
"No country has a greater potential to influence North Korea's behavior than China, given their extensive trading relationship with the North," Kerry told reporters in Seoul. As Kerry noted, North Korea depends on China for fuel, banking and hard currency through trade.
If Beijing is to play the role Kerry wants, it surely will ask the United States for reciprocity on its priorities. These include reduced military aid to Taiwan and a settling of territorial claims that have triggered recent feuds between China and Japan, Vietnam and the Philippines.
To complicate matters further, U.S. ally South Korea has its own territorial disputes with U.S. ally Japan, over a set of islands known as the Dokdo by South Koreans and Takeshima by the Japanese. Both South Korea and China have long memories about Japanese atrocities during World War II, which were rekindled when Japanese Prime Minister Shinzo Abe recently visited a war shrine that honors known war criminals.
Part of Kerry's visit is designed to send the message that the Obama administration still wants to "rebalance" U.S. foreign policy to focus more on China and Asia. This is Kerry's fifth trip to Asia, and his second to China since becoming secretary of state last year. He travels to Indonesia on Saturday. This week, the White House announced that Obama will visit Japan, South Korea, Malaysia and the Philippines in April.
Despite those travels, numerous Asia watchers complain that administration focuses far too much on the Middle East. Obama barely mentioned Asia in his State of the Union address. Yet other analysts criticize the administration for another reason – using "rebalance" as a pretext for escalating military involvement in Asia.
In a recent commentary in the China Daily, Stephen Harner, an Asia consultant and former State Department official, said the United States risks triggering a regional arms race with its aggressive stance toward China.
"The U.S. 'rebalance' to Asia policy looks more than anything like a Department of Defense strategy to keep and grow Pentagon personnel levels, budgets and new weapons development, under the pretext of 'strengthening alliances,'" Harner wrote.
In his Beijing news conference, Kerry stressed the potential for China and the United States – "the two most powerful economies of the world" – to achieve major accomplishments by focusing on areas of mutual agreement and working respectfully on issues where both sides disagree.
"China and the United States are cooperating on big-ticket items," said Kerry, adding that joint efforts by both countries to address climate change, clean energy and conflicts in Iran and Afghanistan have gotten less attention than they deserve.


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Photo: Michael MucciQ My mother recently had a stroke and is now unable to live on her own. We are hoping to move her into our granny flat and sell her house, which is worth $430,000. She is on a full single pension. Will her pension be affected if we sell her house and move this money into her savings or super?
Do we need to consider our tax situation as well?
A If your mother moves into your granny flat, sells her former home and pays nothing for the right to live in the granny flat, she will be assessed as a non-homeowner. Non-homeowners can have assets of up to $339,250 and still receive the full pension. As your mother's house is valued at more than this, she could exceed the asset test limit and her pension would be reduced by $1.50 a fortnight for each $1000 she is in excess of the limit.
Homeowners and non-homeowners are both subject to the same income test.
The limit is $156 a fortnight – when your mother's income exceeds this, her pension is reduced by 50¢ for each dollar of income above the limit. Whichever test, asset or income, produces the lowest amount of pension is the amount she will be paid. As a non-homeowner your mother may be eligible for rent assistance.
Family arrangements involving granny flats can be complex, financially and emotionally. Your mother may want to consider a number of strategies, including how best to hold her savings, and whether or not she should invest more in her superannuation (if she is eligible). Keep in mind that any strategy will have consequences for her pension (including eligibility for rent assistance), cash flow, tax and estate planning, and these will need to be considered. You should seek advice from someone who specialises in this complex area.
Q My wife and I are both aged 28. I earn $75,000 a year and she earns $60,000 a year. We are totally focused on buying a home and are saving $1000 a week. We have saved $30,000 to date and are looking to buy a home for $650,000. Our biggest expense is rent, of $1890 a month.
We could buy now on 5 per cent deposit, but would be up for nearly $25,000 in mortgage insurance. Do you think we should buy now and pay the mortgage insurance or wait until we save 20 per cent?
A Unless prices are stagnant in the area where you intend to buy, you are probably better to buy sooner rather than later. Otherwise, you face the possibility that the increase in the value of the house you want to buy will outweigh any savings in mortgage insurance. Keep in mind that mortgage insurance can vary from lender to lender. It may be worthwhile consulting a good mortgage broker.
Q I am 65 and was made redundant last year. I own two properties debt free, which are worth $700,000 combined. I live in one and holiday let the other. I have very little super and live on a line of credit that cannot go on forever, so have placed the holiday house on the market. How would you suggest I invest the funds after the house is sold?
A First check with your accountant to find out if there is any capital gains tax payable on the sale of the property. If so, you will need to keep cash aside to pay it. If you can pass the work test, which involves working just 40 hours in 30 consecutive days, you may be able to reduce any CGT payable by making a tax-deductible contribution of $35,000 to superannuation from the proceeds of the sale. This is the time to be talking to a good adviser to agree on an asset mix that suits your goals and risk profile.
Q I am single, own my one-bedroom flat and am contemplating taking out a reverse mortgage next year when I turn 75. I am concerned about how this might affect my current age pension. My allocated pension is almost exhausted, so by the time I take out the reverse mortgage, I will have no significant assets other than household effects and a car.
The reverse mortgage would be arranged as a periodic draw-down of $600 a month to supplement my age pension. There may be an initial lump sum drawn-down of $15,000, which would be used immediately for renovations. The funds drawn would then be used for living expenses, strata levies and medical expenses.
A There should be no adverse Centrelink implications if you make small withdrawals as planned. Just try to draw it down as slowly as possible to minimise the compounding effect, which is going to happen, because you are not paying any interest on the reverse mortgage.
Noel Whittaker is the author of Making Money Made Simple and numerous other books on personal finance. His advice is general in nature. Readers should seek their own professional advice before making decisions. Email: [email protected]南京夜网.
This story Administrator ready to work first appeared on Nanjing Night Net.


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Latest News
'City: A Guidebook for the Urban Age' by P.D. Smith
"City: A Guidebook for the Urban Age" is a well-written ramble, a delightful book for dipping into for new discoveries. It is a love song to cities, large and small.
In "City," P.D. Smith, a journalist and researcher takes you across time with one central concept — cites as homes, as civic centers, as sparks for creativity or lost by destruction, man-made or natural.
Smith nips into Cuneiform inscriptions from 3,700 years ago from a father whose school boy son who "instead of practicing his writing, the boy wanders the streets and hangs out in the city square with his friends."
In 1519 the great Aztec city of Tenochtitlan awed the Spanish soldiers when Conquistador Hernan Cortes. It was destroyed three years later by war. Through the prism of Ellis Island, New York is the gateway to a new world for millions.
China's Imperial cities were constructed symbolically. "For at least four thousand years, Chinese imperial cities were consistently designed as four-sided walled enclosures with twelve gates, three in each side" because "as the earthy residence of the Son of Heaven, the imperial city was seen as a microcosm of the celestial realm: the universe was believed to be square, and therefore the emperor's city had to reiterate that cosmological fact."
Smith doesn't only look back in history, he looks at the future. A chapter on "eco-cities" brings up the way modern cities are dealing with today's changing environment. "Some people may still dispute the evidence that suggests we are responsible for climate change. But what is beyond doubt is that the planet is warming."
In an interesting tidbit, he says many cities' carbon footprints are less than the countryside. "In 2006, each Londoner produced greenhouse gas emissions equivalent to 6.18 tons of carbon dioxide, just over the half the national average." He introduces you to Masdar City, created by the government of the United Arab Emirates, with its solar power plant and geothermal power sources as an attempt at a sustainable city.
So who is the audience for this wildly entertainment book? Anyone with an inquiring mind. It might be a good summer reading book for children who have an interest in science, history and connections. Good for adults too.
Finally, he blows one last kiss to his topic. "Today's mega cities are the largest artificial structures ever built. They are awe-inspiring examples of humankind's ability to control and transform its habitat.
"City: A Guidebook for the Urban Age" by P.D. Smith; Bloomsbury, New York ($40)


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Looks – Soft, Work-safe Eye Jazzed Up with Coral Red Lips
An easy neutral look, mostly because I felt like a bold lip today 🙂 Plus, I'm probably having lunch with the Mama, and she appreciates a good natural kind of look.
By the way, can I just say how much I love discovering new lip combinations? Seriously. If only it was my job in life!
I used Cash Flow paint pot (LE) on lid, Femme-fi eyeshadow (LE) on inner lid, Nylon eyeshadow on middle of lid, Bronze eyeshadow on outer lid and above outer crease, Woodwinked eyeshadow on outer crease, Evening Aura eyeshadow (LE) above inner crease, Ricepaper eyeshadow on brow bone to highlight, Molten Sol liquidlast liner (LE) on upper lash line, Feline kohl power (LE) on lower lash line, Femme-fi eyeshadow (LE) on lower lash line, and Plushlash mascara on lashes. I had Lillicent blushcreme stippled on cheeks with Sunbasque blush overlaid and Dior SkinShimmer in Amber Diamond to highlight. I wore Sci Fi Delity lipstick (LE) with Pink Grapefruit lipglass (LE) and Red Romp lipglass (LE).
** These are recommendations for dupes based on permanent colors available — may not necessarily be identical; they are the closest I can think of!
Cash Flow = Patina; Femme-fi = Shroom; Evening Aura = Juiced + Nylon; Molten Sol = Copper Sparkle (wet); Feline = Graphblack; Sci Fi Delity = New York Apple (blotted); Pink Grapefruit = Lychee Luxe; Red Romp = Venetian + Russian Red


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Undergraduate Degrees, Majors and Concentrations
MGMT4400 - Management Simulation
Summer 2019
This course replicates the decision making required of managers. Students form company teams and draw on all of their learning to compete in a dynamic, complex, and realistic marketplace. A computer model is used to simulate changing external environmental conditions. In their decision making, students are required to anticipate and react to these changes. Team dynamics and strategic management are emphasized.
Prerequisites: MGMT3100 and 90 credits.
3 Credits
Schedule Book for All Active and Available Future Terms, Course starting with MGMT4400
No Courses Found


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Meanwhile, in another large (12-inch), heavy-bottomed pan, melt the butter and olive oil over medium-low heat. Add the garlic. Saut for 1 minute. Be careful, the garlic burns easily! Add the shrimp, 1 1/2 tsp. of salt, and the pepper and saut until the shrimp have just turned pink, about 5 minutes, stirring often. Remove from the heat, add the parsley, lemon zest, lemon juice, lemon slices, and red pepper flakes. Toss to combine.
When the pasta is done, drain the cooked linguine and then put it back in the pot. Immediately add the shrimp and sauce, toss well, and serve.


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11 September 2009 16:00
Damn Small Linux on a bootable 1 Gig USB pen drive
Damn Small Linux on a USB drive We are now offering DSL pre-installed on a bootable now 4 Gig USB 2.0 pen drive. This USB device is very thin and will not block access to other USB ports like some of the larger pen drives. These drives are set up as a single writable partition which allow the maximum amount of storage space for your personal files as well as your favorite MyDSL programs. All earnings from the sale of this item go into funding the development of DSL. These drives are also USB 1.1 compatible Please note: All our USB pens are now bootable via USB-HDD and also Embedded via Qemu!
1 (1 marks)


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Achieve with us.®
Home ... Who We Are ... Media Center
For more than 60 years, The Arc has worked to promote and protect the human rights of people with intellectual and developmental disabilities and to actively support their full inclusion and participation in the community throughout their lifetime. As the oldest and largest advocacy organization for people with intellectual and developmental disabilities, The Arc is the premier resource for information and resources. This media page includes the most up-to-date news, facts, publications, bios and more.
Kristen McKiernanSenior Executive Officer, firstname.lastname@example.com
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The Arc, 1825 K Street, NW, Suite 1200, Washington, DC 20006(800) 433-5255, ©2018 All rights reserved.
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Want to donate physical items? Contact a local chapter.


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Free forum : A Forum for Spiritualists and those interested in learning more about the Religion, Philosophy, Science and Truth of the Spiritualist Movement
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Free forum : A down to earth family group studying about life, paganism, magick, spiritualist pathway, psychic, mediumship, meditation, crystals, healing, etc.
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Spiritualist RSPS - COMING SOON BY THE CREATOR OF CS AND CSX!
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NOW AT http/spiritualistsonline.net the Spiritualists Online Network . A Circle of Mediums, Healers, Psychics, Lightworkers etc offering services to spread the power of Spirit: A Non Profit Organisation, Sharing Life, Faiths and Spirit.
spiritualists, network, mediums, healing, prayer, #spiritualist, spiritual, love, light, messages, spirit, ghosts, psychic, readings, circle, open, global


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Tires operating below inflation standards put the overall performance of your vehicle and the safety of your passengers at risk. The Tire Pressure Monitoring System helps increase your safety on the road by improving your vehicle's maneuverability, decreasing the tread wear of your tires, reducing your vehicle's braking distance, and improving your vehicle's fuel economy. There are two types of Tire Pressure Monitoring Systems in existence today—Direct and Indirect. A Direct Tire Pressure Monitoring System uses sensors on the inside tire assembly to transmit tire pressure information to your vehicle's computer. An Indirect Tire Pressure Monitoring System gauges tire pressure through your vehicle's Anti-lock Braking System (ABS) by using speed sensors to measure the rotational speed of each wheel (as tire pressure decreases, the rolling distance decreases, and the rotational speed increases). All TPMS systems require regular maintenance in order to meet maximum performance standards, which requires all vehicles to be equipped with a Tire Pressure Monitoring System.
Your vehicle's Tire Pressure Monitoring System (TPMS) continuously monitors the air pressure in your tires. When there is an instance of low tire pressure, or if the tire pressure drops below the manufacturer's recommended level of tire pressure, the TPMS will detect and report the discrepancy by illuminating an indicator light on the dashboard of your vehicle. When the TPMS light flashes on the dashboard, you should check your tire pressure, inflate the affected tire to the level indicated by the manufacturer, or bring your vehicle into our shop so that the issue can be remedied by our expert staff. During a TPMS maintenance service, our service staff will run a series of tests to ensure that the system is operating both correctly and at maximum efficiency. If our technicians uncover damage to the system or its accompanying components, they may need to replace valve cores, valve nuts, seals, seal washers, or valve caps. If you are in need of TPMS repairs, maintenance, or replacement services, or if you are in need of a TPMS installation service, then contact us today.
Bowdon Tire & Radiator proudly serves the Tire Pressure Monitoring System (TPMS) needs of customers in Bowdon, GA, Ranburne, AL, Carrollton, GA, and surrounding areas.
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The Tire Pressure Monitoring System (TPMS) tracks the amount of pressure in a vehicle's tires and alerts a driver when the pressure is at...
Approx. Time: 30 Minutes
Bowdon Tire & Radiator is a pillar of the community. Bowdon Tire & Radiator is a leader in offering name brand tires, wheels, and auto repair services for customers in Bowdon, GA, Ranburne, AL, Carrollton, GA, and surrounding areas. Our goal is to focus on customer service. It is the foundation of our business. Bowdon Tire & Radiator employs a well-trained staff specializing in the sale and installation of passenger car, performance, light truck, or SUV tires. Take this opportunity to browse our website or call us for personalized service.
Please click anywhere to continue browsing our site.


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Virginia Attorney General and Republican gubernatorial candidate Ken Cuccinelli has disclosed several additional gifts, including flights and vacation lodgings worth thousands of dollars, that he says he overlooked in his required disclosure forms.
Four of the six gifts disclosed Friday were from a troubled Virginia maker of nutritional supplements and its chief executive officer, Jonnie Williams. Among the newly reported gifts were two vacation stays at Williams' Smith Mountain Lake home. One trip was valued at $3,000, another at $1,500.
Cuccinelli said he discovered the oversights during the past week after the release of income tax forms for the past eight years jogged his memory. The amended statements of economic interest cover the years 2009 through 2012.


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Class1: Introduction to Hypnobabies:
Introduction to Hypnobabies' Philosophies and Positive Mindset; Pregnancy Anatomy and Physiology; Belief Systems; The Power of Words and How They Affect Us; How Your Mind Works – The Conscious and Subconscious; The Mind/Body Connection; What Hypnosis is and is NOT; Demonstrations of Hypnosis; How Fear Affects Comfort and Length of Labor; Fear Clearing for Childbirth; The Importance of Daily Birthing Affirmations; The Gifts Your Body Gives You – Your Beautiful Uterus and How it Works; Creating Your "Mental Lightswitch".
CD tracks: 1 per day
1) "Your Special Place
2) Painless Childbirth
Class 2: Staying Healthy and Low Risk:
Importance of Diet in Pregnancy; Nutritional Guidelines; The High Protein Advantage; Eggs, Salt and Calcium in Pregnancy; Drinking Water for Two; Avoidance of Harmful Substances; Safe and Comfortable Prenatal Sleeping and Resting Positions; Natural Comfort Measures for Pregnancy; Introduction of the Stages of Labor including the "Baby-Kindness" Stage; New Baby Sensitivity Through Bonding; Using Hypnosis for Pregnancy Discomforts and Health; Prenatal Exercises for Birth; Birth Partner Assistance.
CD Tracks: 1 per day
1) Learning Self-Hypnosis
2) Deepening Your Hypnosis
Class 3: Your Options in Birthing:
The Importance of Making Excellent Birthing Decisions; the "Big Secrets". Detailed Childbirth Choices – Risks, Benefits and Alternatives for Common Procedures; Getting Informed Consent, Hospital Forms and Your Rights; Questions for Caregivers – Consumer Issues and Positive Communication; Creating the Birth Plan of your Dreams; "Big" Babies; Packing Your Birth Bag; Touring Your Place of Birth; Benefits of a Professional Labor Assistant; "Hypno-Doulas".
CD Tracks: 1 per day
1) Creating Anesthesia
2) Deepening Your Hypnosis
Class 4: The Onset of Labor:
Your "Guess Date" and Normal Length of Pregnancy; Preparing for your Birthing Day; Signs of Birthing Beginning; Amniotic Membranes Breaking – Your Safe Choices; True vs. "False" Labor; How to Time Your Birthing Waves (contractions); Your Birth Log; When to go to the Birth Place; Automatic Comfort and Relaxation on "The Drive" and Arrival at Your Place of Birth (if out of your home; Hypno-Guardians; Nurses – the Unsung Heroes; Using Hypnosis for Comfort During Internal Exams; Dilation, Effacement, Position and Station of Baby; The Beautiful Progress of Labor, Including Fast , Average and Slow or Stalled Labor; Artificial Induction and Natural Induction Techniques; Creating a Safe and Serene Birthing Environment; Nausea Elimination; Optimum Fetal Positioning.
CD Tracks: 1 per day
1) Hypnotic Childbirth # 1
2) Deepening Your Hypnosis
Class 5: Giving Birth to Your Baby:
Birth Partners Training: Your Role During Pregnancy and Birthing Reviewed; How a Labor Assistant Can Help the Hypno-Partner; 4 Pages of Verbal Birthing Cues; Physical Comfort Techniques; the Change of Plans Hypnosis Script. Avoiding a Cesarean Section; Late First Stage Labor – Transition…or "Transformation"; Trusting in Your Body, Your Mind and your Baby; Effective Positions for Birthing; Benefits and Use of the Birth Ball; Exhale Pushing and Avoiding the "Ring of Fire" with Hypnosis; Safe Birthing of the Placenta; Cord Traction, Pitocin, Breastfeeding, Baby Kindness, Apgar Scores and Newborn Procedures; Review: Membranes Releasing, Hypnobabies Tools, Using Your Mental Lightswitch, Fear Clearing for Childbirth.
CD Tracks: 1 per day
1) Hypnotic Childbirth # 2
2) Deepening Your Hypnosis
Week # 6 – begins our Hypnobabies Maintenance Schedule, bringing all CD tracks back into the schedule: 1 track per day, rotating all CD tracks. You continue to listen to 1 track per day until your baby is born, enjoying 35 minutes of deep relaxation and positive hypnotic suggestions for easy, comfortable birthing.
We also encourage you to listen to the additional Joyful Pregnancy Affirmations every day, while waking up, going to sleep, driving or doing quiet household or office activities. This wonderfully positive 35 minute track has no hypnotic induction on it, and can be listened anytime you need some positive thoughts, feelings or visualizations about your upcoming Hypnobabies birth. With all the negative birth stories and attitudes about childbirth we are exposed to consistently while pregnant, this CD track helps you to remain in a positive frame of mind about natural childbirth, hypnosis and your own commitment level. You will love the difference it makes as you prepare for your baby's birth!


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Now what? Big talks--whether the "big" part is the impact of your words, the size of the audience or the prestige of the venue--deserve a higher level of planning on the part of the smart speaker. Here are a half-dozen considerations I'd recommend if you're going to be featured in one of those finer gigs:
- Is it the hall that's big? If you're not used to facing a crowd of hundreds or thousands, it makes sense to get some practice time or at least a few minutes to stand on the actual stage where you'll be presenting, in advance. Can't do that? Try to find a similar hall in which to practice before you get there. For a big space, you may need to move more or in a larger area on stage, use grander gestures or figure out a new way to connect with the audience, and all that takes practice and preparation. The more time you can physically get used to a big speaking space, the less it will throw you off when you're actually speaking. Don't just practice on the stage, either. Sit in the audience in different locations and stand at the back of the room, so you can see what your audience will see.
- Is it the audience that's big? That might mean the audience in the room, in which case it's important to understand from the organizers whether you'll be projected on video monitors, how your sound will work, and any other factors that can help or hurt you in reaching a large group. Knowing where and how you will enter and exit the stage are important factors for you to anticipate, too--entering from the audience, for example, means you'll be seen in motion before you ever start to speak. Don't forget that other "big" audience if your talk is being recorded: The one on the Internet. Take the time to plan your gestures, vocalizing and facial expressions, as well as your wardrobe, so they work in the hall, on a big screen and on the small screen. Video practice is a must, in that case. If you need to adjust what you're wearing, for example, that's tough to do last-minute.
- Talk to the technicians: Knowing the likely color of the background against which you'll be speaking, understanding how your "confidence monitor" and remote will work, sharing what colors you're wearing: All those are smart topics to discuss with the tech team in advance. Depending on your answers, you may need to let them light you differently due to your wardrobe, or use a special cue to toggle between video and slides. Ask, listen and adjust--in advance.
- Listen to the organizers: I can't count the number of speakers I've coached before big talks who think that they are the Grand Exception to what the organizers told them. "I know they said 15 minutes, but I'm just going to keep talking" and "No one in the audience really needs to use that mic, so I'll just repeat the questions to the panel" can be recipes for disaster. Listen, instead, to what organizers want--certainly those who invited you, as well as what other organizers say. TED curator Chris Anderson has shared such insights, and your conference organizers will have plenty to share, too. Remember, these are the people who can invite you back again. No need for you to shoulder their responsibilities and reinvent the wheel. Ask, and listen.
- Speak to the speakers: Other speakers who've already taken the plunge at your big event are a great resource, and you know they'll be able to share the behind-the-scenes experience firsthand. The TED blog recently shared a roundup of blog posts from speakers at TEDx events detailing what it feels like to give a TEDx talk. Ask the organizers if they can connect you to previous speakers.
- Invest in coaching: If not now, when? Even experienced speakers can benefit from coaching that's specific to a really big talk, since speaking at a TED conference or mega-convention just isn't the same as lecturing or giving a high-stakes business presentation. You'll need a mix of eloquence, entertainment, poise and impact specific to this important gig. And if, as many top speaking opportunities do, yours comes with a strict time limit, a good speaker coach can show you how to make the most of every word. And before you invest, ask the organizers whether coaching is available to you through them. More conferences are making this available to speakers, but few can offer it to all speakers. Ask for help early, at the time you are invited, to help your organizers plan--and before some other speaker gets the help.
Looking for famous speeches by women? Check out The Eloquent Woman Index of Famous Women's Speeches, with a wide variety of women speakers, types of speeches and topics to inspire your next speech. Each one comes with lessons for speakers, plus video or audio and a transcript, where available.


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Jan 08, 2008 | ISBN 9780812978711
"For mathematically challenged folk like me, David Berlinski comes again to help with a thin volume that, like his A Tour of the Calculus, renders mathematics not easy, but accessible and absorbing. He portrays through history how mathematical thought evolved, from the genius of the few to its application by the many. Personalities, times, cultures, and opportunities all play their dramatic roles and Berlinski, knowing how they interacted, brings them vividly to life. You'll enjoy yourself."
–Paul McHugh, Distinguished Service Professor of Psychiatry, Johns Hopkins University
"This is literary science at its best. I was charmed by this top-down and introspective presentation of the subject of mathematics. It is not just highly readable; because it is one step above the subject, it can even inspire the professional."
–Nassim Nicholas Taleb, Dean's Professor in the Sciences of Uncertainty, University of Massachusetts at Amherst, author of Fooled by Randomness
"A humorous and graceful short history of mathematics, quite deceptively easy to read. Berlinski is actually a sophisticated insider, and every page of this book glows with his love of mathematics and with his sardonic appreciation for humanity's foibles."
–Gregory Chaitin, IBM Thomas J. Watson Research Center, author of Meta Math! The Quest for Omega


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Congratulations, your account was created. Please check your email to verify your account and to see your registered products.
Enjoy easier cleanup and a burner that stays looking great.
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White, Black and Bisque cooktops come with matching knobs — while Stainless Steel models feature our neutral black knobs.
Saves energy and can be ignited manually when electricity is out.Watch Video


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Hey and welcome to 2012 years collection from Street Art Utopia on Facebook!
Click on a photo and you make it bigger and can post a comment on it.
And thats some of the most beloved Street Art Photos posted in 2012 on Street Art Utopia!
2010 photos can you see here, 2011 photos here.
A member of Street Art Utopia on Facebook wrote two year ago this nice piece about the future:
– My son, do you want to hear something strange?
– Yes! What?
– You know the new tree painting we did on the garage last week.. Up until around the year 2050 people generally did not have paintings on houses!
– What? Were they grey?
– Well, yes, many were. Often they would paint villas in One colour, like blue or yellow, but very rarely in more than one or two colours and almost never any pictures. Most apartment houses and government buildings and so on were grey. Artists sometimes went and painted on tunnels, grey municipal buildings and so on, but the pictures were washed away! By the government!
– Was art forbidden?
– Well no, but it had to be in special buildings only. Some people felt that houses was not to be painted on, except in one pale colour all over.
– Wow.. How dull.
– Yes, my son. Now lets get our jackets and go pick some fruit.


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I came up with an idea on how to proceed with Olive Bower/Maude Bowser. On her death certificate and Obit it states that she is buried in Grandview Cemetery in Salem OH. Since it is about a forty five minute drive from my home I decided to drive there and my husband said he would go with me.
I was hoping that she has a tombstone and perhaps there is a middle initial. More than that I am hoping the cemetery office has some records and perhaps I will find more information on her middle name.
With my luck I probably will find the cemetery records have been destroyed in a fire.