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Phil Hinton
Phil Hinton
Areas of Expertise:
Office Phone: 561.297.3820
Office: AL 119
Phil is a British-born pianist, arranger and conductor. He has worked in those capacities for the BBC, many of the independent broadcasting production companies and in theatres in London's West End. He has arranged, played on and conducted more than 200 albums for artists such as Anthony Newley, Shirley Bassey, Howard Keel, Vince Hill, Andrew Lloyd-Webber and Paul McCartney, to name just a few. He was personal music director to British singing star, Vince Hill, for ten years.
Since emigrating to the USA in 1994 he has given many classical and jazz piano recitals around the USA and on numerous cruise ships. Phil has music directed countless musical theatre shows throughout the USA. He was also conductor of the Florida Pops Concert orchestra for three years. He was musical director and pianist on Engelbert Humperdink's 2013 tour of Australia and New Zealand.
Phil is currently the resident pianist for the Kravis Pops Orchestra in West Palm Beach, under the baton of celebrated singer and entertainer, Michael Feinstein.

subset: commoncrawl


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The Rocket Guitar Case is an explosive weapon that was first introduced in the Mexican Fiesta (Update). It has six rounds in the clip. It is like an upgraded version of the Missile Launcher but the Rocket Guitar Case has a faster reload speed and fire rate. If equipped with the Black Charro Mask, the Rocket Guitar Case is like the Thumper with six shots in the clip. This weapon Accuracy is very poor; its crosshairs are same as the Heavy Machine Gun crosshair even when standing still and it's very difficult to kill someone at long range. Overall a very powerful weapon.
Weapon AnalysisEdit
- Capable of killing players with one shot if equipped with the Black Charro Mask or Veteran Técnico Mask or Wasp Helmet or Mobile Assisted Unit Jacket.
- Damage, Accuracy, Agility, and reload speed can be improved by equipping the corresponding MX Masks from either the MX Pack or the Black Charro Gear; with either or both Black Charro Jacket and Black Charro Pants, Wasp Helmet and Mobile Assisted Unit R.I.
- Easy to use at mid-range.
- Fast fire rate.
- Able to kill players equipped with explosive-resistance armors quicker than most of the explosive weapons.
- Quick reload speed.
- The rocket curve can provide some interesting kills for professional players.
- The rockets curve down whenever they are shot far away.
- Very weak Accuracy.
- Small clip (6).
- No auto-aim.
- Explosion radius is small.
- Slow movement speed.
- Damage reduced by all Anti-Explosive Pack, Veteran Rudo Mask, and Rudo Wrestler Mask, Black Hero Armor, Red Hero Armor.
- Auto kill is common when careless.
- The Rocket Guitar Case resembles Quino's Rocket Guitar Case in the movie Desperado. This, together with Kampa's Armed Guitar Case and El Mariachi's "equipment "guitar case are the weapons belonging to the three members of the guitar band
- However, in the movie Desperado, the rocket guitar case has only two rounds in one clip and a slow RoF, while at the same time, a much larger damage similar to the Ghost Cannon because it can blow up a jeep in the movie.
- It is an MX tagged weapon.
- If you look closely at this weapons Mexican flag and the MX fan shirt, the first color in the MX Rocket Launcher starts with red, while the shirt starts with green.
- When equipped with both Health skills and both protection against explosives skills, the player can survive 1 shot in the ground without any Armor that boosts Health, 2 shots for Armor that boosts 30% Health armor, 3 shots with the Anti-Explosive Pack (30% Health + extra 60% protection against explosives), or 4 shots with the Anti-Explosive Vest and Anti-Explosive Pants with the Veteran Rudo Mask (10% Health + 25% extra protection against MX tagged weapons).
- Its stats from greater to lesser (Damage to Agility).
- It returned during the second trial of Chinese New Year 3 (Event) for $5.99 !
- It's the only weapon in the game to have multiple symbols on it.
- Strangely, the MX-tag of this weapon was "gone" during the Chinese New Year 2017 (Update), although this is most likely to be a glitch as its properties as an MX weapon still remains.
- As of the Cyber Menace (Update), the MX tag has been removed permanently but the properties of the weapon still remain.
- Interesting fact: the symbols on the weapon can also be seen on other equipments (see below).
See also Edit
Community content is available under CC-BY-SA unless otherwise noted.


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When Kanye West tweeted "June Eighteen" yesterday, the world racked its collective brain in search of a meaning. The fact that he has since deleted all other tweets from his feed signifies that this is definitely a major moment in life for him.
So it got us thinking ... What might June 18 mean for Kanye West?
June Eighteen
— KANYE WEST (@kanyewest) May 2, 2013
- The new album drops.
- Kimye's baby is due.
- Kimye's anniversary.
- Kanye and Kim plan to secretly wed in Paris, or maybe Greece.
- Kanye's got a doctor's appointment and he actually meant to enter the date into his Google calendar.
- Kanye is throwing a great big birthday party (his birthday is only 10 days prior, on June 8), and everyone's invited.
- Kanye is re-enrolling in college, being "The College Dropout" that he is, and that's when the semester starts.
- Kanye's new clothing line makes its debut.
- Rent's due on his Parisian condo.
- The day Kanye plans to "Wife Swap" with Jay-Z.
- Kanye's secret movie, probably titled "Olympus Has Risen Beneath Me," opens in limited release.
- Kanye's self-help book, "How To Lose Her Guy In 10 Days (Or 18 Months)" comes out on Kindle, Nook and tablets.
- The day Kanye joins Taylor Swift on her "Red" tour, to make up for that infamous VMA steal.
- Kris Jenner's talk-show premiere date got bumped up. She made him promote it.
- The Kardashian-Jenner World Domination date. Don't push the red button! DON'T PUSH THE RED BUTTON!!
- Kanye is time sharing Diddy's yacht and he wants to remind Diddy his turn is up.
- The macrame class Kanye enrolled in kicks off.
- The day Obama finally hands the keys over.
Calling all HuffPost superfans!
Sign up for membership to become a founding member and help shape HuffPost's next chapter
Kim Kardashian and Kanye West


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Yay, it's Victoria Day — a well-deserved long weekend holiday. For those of you who don't live in Canada, in many provinces we celebrate the…6 Comments
Tag: Queen Victoria
The Victorians The Victorians did many things that shape our lives today, and I'm not just talking about lighting bangers and drinking too much on…3 Comments
The Queen presents: We Are NOT Amused –> Slide 12 (circa 1867) I am de facto Queen of Canada? How did that happen? Bugger. The…2 Comments


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Our Rumbalara clients are more than just a number or a matter to us. They are individuals and members of a strong local community. By working with the community we are helping people to work within a legal system that has previously been foreign and confusing. By helping to transform people's lives, we are demonstrating […]
Tag Archives | family violence
Rumbalara project transforming community
Intervention Orders and love. A zero sum game?
As family violence duty lawyers, we often hear people make excuses for those who have inflicted family violence on them. Some go so far as to resist taking out an Intervention Order or not supporting a police application for an Order. These cases always stick in our heads. Two recent cases highlight the problem. The […]
How rights get lost in the rush to be tough on crime
This post originally appeared as a Letter to the Editor of the Shepparton News. It was written in response to an article published on the 12th of September 2018 that detailed the 'frightening' experience of an 18-year-old Kilmore woman who was arrested in Kilmore and held in the cells at Shepparton Police Station over a […]
Rosie Batty urges Shepparton to tackle family violence
Last week Rosie Batty challenged our community to play its part in tackling family violence, and highlighted the impact of such violence has on the workplace and wider community. Ms Batty noted the small number of men attending her presentation but said there were still grounds for optimism. Although we still have a long way to […]
Ceremonial First Sitting of Supreme Court in Shepparton
On 19 May 2018 our Manager & Principal Lawyer, Kaz Gurney, spoke at the ceremonial first sitting of the Supreme Court of Victoria at the new Shepparton Courts. Kaz addressed Chief Justice Ferguson, Justices Osborn and Beach, other members of the Judiciary, local Elder Uncle Bobby Nicholls and Victorian Bar President, Dr Matt Collins QC. Kaz […]
Trust is a major factor in Therapeutic Justice Program's success
James (not his real name) is a young Aboriginal man that presented at the Shepparton Magistrates' Courts, substance affected, admitting to using alcohol and methamphetamine. He was referred to our Therapeutic Justice Project via the Family Violence Court Liaison Officer of Victoria Police at the Tuesday morning Family Violence Meeting. The police applied for an Intervention […]
Goulburn Valley CLC funding wipeout?
On the 3rd of December the Productivity Commission released its long-awaited report into access to justice arrangements in Australia. The Commission recognised the role of Australian legal assistance providers (including Community Legal Centres) and deplored the high levels of unmet legal need faced by disadvantaged and vulnerable Australians. The Commission recommended an immediate injection of […]
Spotlight on family violence's impact on country women
On the 7th of November, Deakin University's Centre for Rural Regional Law and Justice (CRRLJ) launched Landscapes of Violence: Women Surviving Family Violence in Regional and Rural Victoria. The report, written by Amanda George and Dr Bridget Harris, highlights the impact of family violence on women living in rural and regional Victoria. The report asked women survivors of family violence in […]
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See our Free Legal Advice page for more information.
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- COVID-19 Service Update June 16, 2020
- Black Lives Matter June 12, 2020
- Employment Opportunity: Community Lawyer June 2, 2020
- Christmas and New Year Closure December 19, 2019
- ARC Justice 2018-19 Annual Report Released December 2, 2019
- Methamphetamine Inquiry highlights postcode injustice September 9, 2014
- Employment Law training in Shepparton February 15, 2013
- Office flooding March 1, 2013
- Community Consultations March 12, 2013
- COVID-19 Service Update June 16, 2020


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SMU Beats Tulane
via SMU
DALLAS (SMU) – On Wednesday against Wichita State, everything was falling all night for Shake Milton. Against Tulane on Saturday night, that wasn't the case, but the junior still rose to the occasion in the second half for the Mustangs.
Milton stayed aggressive and was the go-to guy down the stretch for the Mustangs, scoring 18 of his 20 points over the final 13 minutes as SMU knocked off Tulane, 67-61.
"How great was he down the stretch?" head coach Tim Jankovich said. "He just willed things to happen. What a great competitor."
Jahmal McMurray also played a large role in SMU (14-6, 4-3) not letting another game against Tulane (12-7, 3-4) slip away in the second half. The junior scored 10 of his 13 points in the second half. Over the final 20 minutes, McMurray didn't miss a shot while knocking down four of his five free throws.
Milton and McMurray combined to score SMU's final 21 points.
Sophomore Jimmy Whitt provided a spark on both ends of the floor and was a big reason SMU was in a position for Milton and McMurray to take over late. Whitt scored 18 on incredibly efficient 9-for-14 shooting. Defensively, the Columbia, Missouri, native registered a steal on four straight Tulane possessions in the first half that energized the team and Moody Coliseum in the first half while also cutting into the Green Wave's early lead.
"Jimmy Whitt was amazing," Jankovich said. "When we were really struggling, he gets his hands on four balls in a row. I don't know if I've seen that one in a college game against a team this good. It changed the game and the momentum. It was a great scoring game that he had, but he did a lot of other things."
Senior Ben Emelogu rounded out SMU's double-digit scorers, dropping in 11 points while also grabbing a game-high nine rebounds.
After withstanding Tulane's hot shooting in the first half, SMU built an eight-point lead through the midway part of the second half. Similar to the matchup earlier this season in New Orleans, Tulane mounted a second-half rally to take the lead at 55-54 with 5:42 to play. This time though, SMU wasn't letting another one slip away against the Green Wave. The Mustangs closed the game on a 19-7 run for the 11-point victory.
The Mustangs were able to get the win despite Tulane having a much more effective night from behind-the-arc. SMU made up for it by having its best night of the season from the free throw line (17-of-20) and forcing Tulane into 14 turnovers compared to the Mustangs' six.
Next up for SMU is a road trip to Connecticut on Thursday, January 25 for a 6 p.m. tip against the Huskies.


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food in the group: nutritional balancemuch of what you are sold as food is not food at all - it is simply 'matter' shaped to look like food.\r\nthere is a difference between food and nutrition - one will help you live and one is open to corruption and does not grow freely on this planet.
keywords: food, fast food, nutrition, body, health, restaurant, diet
heartlessness and mass mind control through tv advertising in the group: aligning self for freedomwhy does the mcdonalds advert 'system' use the slogan "i'm lovin it"? \r\nand why is it sung by many voices and not just one?\r\nhttps://www.youtube.com/watch?v=nZSdkBFckD0the logic used to create this media jingle contains an attempt to implant thoughts into our mind (spirit) by exploiting the f...
keywords: nazi, food, mind control, deprogramming, mcdonalds, fast food, advertising, heartlessness
last updated


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How do successful businesses deal with cash flow?
Successful business owners seemingly have one thing in common, they proactively manage their cash flow and address the key issues which can improve it.
Ciaran O'Donnell is a Virtual Finance Director who works with many early stage businesses across a number of sectors. Most of the successful businesses he has worked with have similarities when it comes to their attitude and management of cash flow.
So, how do those successful businesses manage their cash flow?
They can have a clear visibility of their future cash flow and address the issues which maintain visibility and improve their cash flow
Ciaran suggests asking and addressing the following questions:
- How much cash or investment is required to get my business cash flow positive?
- When do I run out of money?
- Does my business need funding during certain months of the year?
- How can I change my working capital cycle to have more cash in my business?
- How can I grow my business? Will I be able to do so with my own cash or will I need to borrow or raise investment?
They can make better decisions
Successful businesses may have a better understanding of their current cash position and can make better financial decisions, for example, both short term and long term planning.
Ciaran noticed that successful businesses keep a close eye on their cash position, plus, the day to day operations of their business (e.g. closely reviewing management accounts and/or cash flow forecasts). By maintaining that visibility they are well placed to make decisions which don't adversely impact the cash position or future cash flow of the business. Ciaran has seen some businesses rush into making poor decisions which have had a negative impact on their cash and financial position.
They can push for better payment terms with customers and suppliers
Successful businesses may also know when and how to lean on major suppliers for extended credit terms. One client who worked with Ciaran leant on six of their major suppliers who agreed to stretch payment terms from 30 days to 90 days for almost 12 months as the business was going through two separate investment rounds. Ciaran adds: "This helped our immediate cash flow significantly and the net-payables position for almost a year as key suppliers were keen to retain our business. The suppliers we leant on had sufficient financial strength themselves to offer the extended credit terms. Don't be afraid to ask!"
Additionally, negotiating shorter payment terms with customers or, taking immediate payment (whether that's cash, credit card or debit card) helps businesses achieve a healthier cash flow. Ciaran adds: "Another client completely changed their customer payment model and moved everything to online payments and direct debits. The business no longer had to chase customers for payments and also shortened their collections process by 45 days!".
They tie-less money up in stock?
Stock can quickly tie up cash and impact your cash flow. Ciaran mentioned one rapid growth business that was unaware it had £100,000 in closing stock which was approximately six to eight months of sales at their current sales rate: "We conducted a relatively simple piece of analysis and calculated that we could implement a better buying and production process to operate with more efficient stock levels. Today, as the business continues to grow, order lead times are shorter, stock levels are lower and savings on bulk purchases will be considered as the business grows, but until then the business has less cash tied up in stock."
They don't always offer early payment discounts to customers
"Offering a discount to a customer for a quicker payment can benefit your short-term cash flow", Ciaran tells us, "however, bear in my mind that discounts can significantly reduce your profit margins. It is worth considering what other options you have to raise short-term finance as there may be more cost-effective ways available to you."
© Growth Street 2018. All rights reserved. Growth Street Exchange Limited is authorised and regulated by the Financial Conduct Authority (FRN 739318). Growth Street Exchange Limited is registered in England & Wales (company number 09495712) with its registered office at 5 Young Street, London W8 5EH.


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The Arizona Cardinals announced Tuesday that they've signed LB Sio Moore to a contract and waived LB Joplo Bartu with an injury settlement.
- Cardinals signed LB Reshard Cliett to their practice squad.
Moore, 26, is a former third-round pick of the Raiders back in 2013. Moore spent two seasons in Oakland before being traded to the Colts in return for a 2016 sixth-round pick.
Moore was in the final year of a four-year, $3.054 million contract when he was released by the Colts a few months ago. The Chiefs signed him to a contract soon after but they elected to waive him earlier in the week.
This year, Moore has appeared in five games and recorded 30 tackles for the Colts. according to Pro Football Focus, Moore is rated as the No.74 linebacker out of 87 players.
Bartu, 25, signed on with the Falcons as an undrafted free agent out of Texas State back in May. He managed to make the 53-man roster coming out of the preseason and spent a few months with the team before he was placed on waivers in November of last year.
The Jaguars signed him to a contract towards the end of last season before waiving him during roster cuts. After a brief stint with the Lions, the Cardinals signed him to a contract.
In 2016, Bartu has appeared in seven games but has yet to record a statistic.


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38:100 addictive as drugs
something about this article reminds me of the seinfeld episode where kramer gets addicted to the chicken from place that opened across the street from him :)
Article from UK newspaper "The Telegraph"
Junk food as 'addictive as drugs'
Junk food is almost as addictive as heroin, scientists have found.
Published: 7:37AM GMT 28 Oct 2009
Eating junk food can be addictive Photo: GETTY
A diet of burgers, chips, sausages and cake will programme your brain into craving even more foods that are high in sugar, salt and fat, according to new research.
Over the years these junk foods can become a substitute for happiness and will lead bingers to become addicted.
Why junk food really is addictive
Dr Paul Kenny, a neuroscientist, carried out the research which shows how dangerous high fat and high sugar foods can be to our health .
"You lose control. It's the hallmark of addiction," he said.
The researchers believe it is one of the first studies to suggest brains may react in the same way to junk food as they do to drugs.
"This is the most complete evidence to date that suggests obesity and drug addiction have common neuro-biological foundations," said Paul Johnson, Dr Kenny's work colleague.
Dr Kenny, who began his research at Guy's Hospital, London, but now works at Florida's Scripps Research Institute, divided rats into three groups for his research, due to be published in teh US soon.
One got normal amounts of healthy food to eat. Another lot was given restricted amounts of junk food and the third group was given unlimited amounts of junk, including cheesecake, fatty meat products, and cheap sponge cakes and chocolate snacks.
There were no adverse effects on the first two groups, but the rats who ate as much junk food as they wanted quickly became very fat and started bingeing.
When researchers electronically stimulated the part of the brain that feels pleasure, they found that the rats on unlimited junk food needed more and more stimulation to register the same level of pleasure as the animals on healthier diets.
so in closing, it isn't easy to kick the junk food habit
not that you are weak, but the additives are designed to keep you coming back for more.
it's good for their busine$$ ....but not for you.
don't beat your self up for falling off the wagon,
but dust yourself off and hop back on.
know where the resistance is really coming from.
wishing health happiness and success-
cleanse anyone? - blast from the past- cleanse anyone? i never can find my master cleanse directions when i need them... so i decided to post it here on my blog so i can f...
9 years ago


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Thursday, August 1, 2019 7:00 p.m. - 8:30 p.m.
Memorial Park
Bracebridge, ON
View on Google Maps
It's a summer time Bracebridge tradition!
Every Thursday from June 20th - September 5th, 2019 a different group of musicians take the stage at the Bandshell in Memorial Park. Bring a lawn chair, or your favourite blanket for comfortable seating, and enjoy the show!
For dates and a list of performers, click here. Please note, in the case of poor weather cancellations may occur.


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Our membership year runs from 1 January until 31 December. Please give your name, postal address and email address. If this is a renewal please include your membership number, if possible. New data protection rules come into force in May 2018. By submitting this application for or renewing your membership, you indicate your consent that ESFHS can hold your personal information (name, postal address, email address and membership number). This information will only be used by ESFHS for Society matters and will not be passed on to any third party except where we are required to do so. You have the option to opt out at any time. For full details please see our Privacy Policy on our website.
Supplied by: East Surrey Family History Society
Format: Membership
Product Ref: ESY-SUB03


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Civil Society Organizations have been challenged to raise more awareness to judges and magistrates on issues pertaining to special groups so as to properly advance justice to girls, women, children and the disabled.
This was discussed yesterday during a session organized by the Legal Services Facility (LSF) during the second day of the CSO Week 2019, which deliberated on improving community legal protection and promotion of rights through access to justice.
"We will be making a huge mistake to assume that all judges and magistrates are well aware of issues pertaining to special groups such as girls, women, children and the disabled, and at the same time expect them to do justice without having the right set of information to deliver," said retired Justice from the High Court of Tanzania, Hon. Robert Makaramba.
The point was cemented by the Registrar of Legal Aid Providers from the Ministry of Justice and Constitutional Affairs, Ms. Felistas Mushi, who said that despite all Assist Registrars having undergone training and attesting a good record in upholding the code of conducts, there is a knowledge gap between lower and senior leadership in the judiciary when it comes to issues related to specialized groups.
On her side, Paulina Alex of New Light Children Centre Organization (NELICO), said that it is also equally important to raise awareness to members of this special group, such as children so that they may grow up understanding their roles and rights in promoting justice.
On the other hand, the Spokesperson for the Tanzania Prison Service Department, SSP. Amina Kavirondo urged CSOs and society as a whole to reconsider inmates and prisoners, so that they can also get access to legal services while they are behind bars.
"We have a total of 37,000 prisoners countrywide. And once a person is in prison, he loses communication with the outside world. I would therefore like to take this opportunity to request CSOs to consider this group of individuals, so that they may also have access to their rights and justice in front of the law, similar to people outside prisons," she said.


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About The Game :Games4King - G4K Honey Carry Bee Escape Game is another point and click escape game developed by Games 4 King. A honey carry bee was living in a beautiful village. The honey carry bee lived very happy and beautiful to see. The honey carry bee was unexpectedly stuck in a house in a day. Your duty is to save the honey carry bee from there. To save the honey carry bee from there, it will help you find all the spots that are hidden clues. All the masks are hidden correctly and the honey carry bee who has been trapped there and you are happy to win the game. The tricks of the trick are a little harder to find, but somehow it may be a matter of interest. Good luck and have a fun !
Escape Games | New Escape Games | Point And Click Games | Free Online Games | Games4king | Outdoor Escape Dec 27,2019 11:35:57 PM


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Kidney Specialists PLLC is the nephrology practice to go to in Martinsburg, Winchester and Leesburg. Here you will find caring doctors and nurses who strive to give you the best possible health care, in a friendly, inviting atmosphere. We take the time to get to know you and truly listen. Nothing makes us happier than keeping you and your family healthy!
We pride ourselves in offering the best possible health care. At Kidney Specialists, PLLC you can count on receiving health care services in a friendly and open environment. We are here to listen and make sure you get the best care possible!
Office Privacy Notice
1004 Sushruta Drive
Suite A
Martinsburg, WV 25401
480 W. Jubal Early Drive
Suite 200
Winchester, VA 22601
821 S. King Street
Suite L
Leesburg, VA 20175
(for all of our locations and for all correspondence and referrals)
Mondays - Thursdays: 8:30am to 1pm
Modays: 11am - 3pm
Tuesdays - Thursday: 8:30am to 12:30pm
Thursdays: 8am - 5pm
Appointments on the other days of the week or late evenings are available


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Scams being led by spam and phishing
What is spam?
Spam can be defined as an unsolicited e-mail on the internet. From the e-mail sender's point-of-view, spam means a form of bulk mail sent generally either to a list of people obtained from spambot or to a list of people obtained from companies specializing in developing e-mail distribution lists. To the e-mail receiver, it usually appears like a junk e-mail. It is roughly equivalent to unsolicited tele-marketing calls. Spammers usually send a piece of e-mail to millions of receivers, expecting only a small fraction of them to respond to their offer.
What is phishing?
Phishing can be defined as an attempt made to acquire a customer's personal information, such as credit card credentials, usernames and passwords. It is usually tried by sending an e-mail to users claiming false identity of a legitimate enterprise, attempting to scam the user into giving up private information usable for identity theft. Phishing e-mails redirect the user to a website where they are asked to update sensitive personal information such as credit card number, bank account number password or the social security key that the legitimate organization already has. However, the website is bogus and has been designed just to capture and steal all the inputs made by the user on the page.
Any method in which the perpetrator attempts to reach the target through a seemingly legitimate method to gather their details can be considered as phishing or spam. The most common electronic fraud tactic through which individuals are tricked into revealing sensitive personal or financial details to unauthorized entities is voice or VoIP phishing. The technology space also refers to it as Vishing.
VoIP phishing works in the same way as phishing but is not bound to take place over the internet. It is carried out using voice-based technology. A Voice phishing attacked can be conducted through different mediums, such as a voice e-mail, VoIP, or even landline or mobile phones.
How VoIP makes Phishing easy?
Phishing becomes easier with the usage of VoIP owing to following factors:
- VoIP is quite widely available as it is cheaper than PSTN
- VoIP allows the attackers to tamper with the caller ID and make it appear as if a trusted organization is trying contacting them.
- Any basic programmer with little knowledge of VoIP can easily manipulate its deployment and create a fake bank with fake numbers that they can use for duping their prey without even compromising their own identity.
- VoIP hardware has become affordable and are easily available with user-friendly software, facilitating the manipulators. These devices are portable and thus, could be taken anywhere.
- The easy integration of VoIP hardware with PCs makes it easier for voice phishers to record phone calls of different hooked victims, without being present there for the work.
- Unlike for PSTN, VoIP numbers can be setup as well as destroyed within a few minutes. Thus, it becomes almost impossible for the authorities to track voice phishers (Vishers)
- VoIP allows an attacker to create a virtual number for any desired country, following which he can use a local number to forward calls overseas, emulating the popular financial institutions abroad.
Spam or phishing has become a major problem for the internet users and thus awareness regarding phishing sites, spyware, antivirus and other forms of phishing attacks has accelerated amongst them.


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how to fix dust bag in karcher vacuum cleaner
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Share, Support, Subscribe!!! Subscribe: https://goo.gl/mqbdai Facebook: https://www.facebook.com/MrNamsOfficial Twitter: https://twitter.com/MrNams Hello friends, Hope you all doing well! In this video we will learn to make hose end dust bag fitting at home. Watching this video you might be able to get answers to following questions How do you open a vacuum bag with dust? Why is my shop vac blowing dust out? How do dust extractors work? Can you use a shop vac without a filter? diy dust collection system homemade workshop dust collection dust collector cyclone homemade cyclone dust collector how to make a dust collector dust collection fittings dust collector hose industrial dust collection system karcher wd3 dust bag karcher wd3 reusable dust bag washable dust bag for karcher karcher wd3 reusable bag bosch dust bag karcher reusable vacuum bags how to fix dust bag in karcher vacuum cleaner THANKS FOR WATCHING. If you enjoyed video, please do like, share and comment. Please SUBSCRIBE to follow new Uploads https://goo.gl/mqbdai WARNING: Always be safe, everything you do is at YOUR OWN RISK! I shall not be liable for any injuries, loss or damages claimed to be caused by watching the contents either. #MrNams
Published on Apr 13, 2020 👍👍👍🌹 1
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I love beautiful flowers. They amaze me with the shapes and colors they have. Every unique design that they display, brings great satisfaction.
But more amazing than all this is God's word. Oh that I hide it in my heart and think on it daily. That I might share it with others, for it will never depart, or fade. It will always be blooming for eternity.
The grass withereth, the flower fadeth: but the word of our God shall stand for ever.
Isaiah 40:8 KJV


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WASHINGTON -- In the wake of the toxic water crisis in Flint, Michigan, lawmakers in other parts of the country are looking ahead in an effort to stop similar disasters in other communities.
New York and New Jersey lawmakers in particular are scrambling to introduce legislation that would help public schools test for lead in their water, as a number of cases have recently been reported in those states.
Rep. Bill Pascrell (D-N.J.) and Sen. Chuck Schumer (D-N.Y.) have introduced companion bills in the House and the Senate to fund lead testing at schools and day care centers. Meanwhile, Rep. Donald Payne Jr. (D-N.J.) has introduced legislation that would require states that receive federal funding to help public schools establish programs for lead testing. Federal law currently doesn't require lead testing at most U.S. schools.
"From Flint to Newark we have seen how critical it is to protect our children from drinking contaminated water," Pascrell said Wednesday in a statement provided to The Huffington Post. "All Americans, and especially kids in our schools and childcare facilities, deserve access to clean water. Our job is to make it easier for the facilities to conduct needed testing by providing funding sources. Exposure at any level is unacceptable."
All three lawmakers have watched as high levels of lead were discovered at schools in their own backyards. In Newark, New Jersey, 30 public schools had their water shut off earlier this month due to elevated levels of lead, prompting city officials to warn students and faculty, "Don't drink the water."
Payne, the primary representative for Newark, wants to require any school built after 1996 to test for lead in drinking water biannually. His bill, which would update the Safe Drinking Water Act of 1974, would also require that parents be notified within 48 hours if lead is found to exceed the action level set by the U.S. Environmental Protection Agency.
"As a parent, I want to know that my children are drinking lead-free water, and I want other families to know that about their own children, too," Payne said.
When 60 lead samples from two schools in Ithaca, New York, tested positive for high levels of lead in late February, the issue hit home for Schumer. On a conference call with reporters Wednesday morning, he said the first priority should be to keep children's drinking water safe when they are at school.
"It's disturbing that Flint may have been just the tip of the iceberg when it comes to toxic lead in our kids' drinking water -- and the lead contamination in Ithaca, New York, only underscores this concern," Schumer said. "Right now there is a yawning gap in our lead-testing protocols. At the federal level, we do not require or support lead testing in schools."
The legislation authored by Pascrell and Schumer would create a $100 million federal grant program through the EPA that would help school districts and child care centers test their drinking water for potential lead contamination.
Pascrell, a former mayor of Paterson, New Jersey -- like Newark, an urban environment with large communities of color -- said he understands the need for resources and funding to encourage communities to take steps to protect their drinking water.
By forming an annual grant program, the legislation would give schools an incentive to apply for federal funding in consecutive years. If a school district doesn't apply for or receive funding in a given year, it can apply the following year.
"Giving schools the resources to test the quality of kids' drinking water is the right and safe thing to do because lead poisoning is easily prevented -- and because the effects of lead poisoning on our children's bodies and brains is catastrophic and irreversible," Schumer said.


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TWN Info Service on Finance and Development
South should factor in 'development' in financial
Geneva, 13 Apr (Kanaga Raja) -- Reforms in the institutional structures of the advanced economies have been essentially in terms of reactions to the financial instability that they have faced, and when developing countries design their regulatory institutional frameworks, they will have to give equal emphasis to stability and developmental issues.
This view was voiced by Dr Yaga Venugopal Reddy, former Governor of the Reserve Bank of India and now Emeritus Professor at the University of Hyderabad, at a multi-year expert meeting on services, development and trade, which took place on 6-8 April at the UN Conference on Trade and Development (UNCTAD).
Dr Reddy was speaking at a session that reviewed recent trends in infrastructure services and their regulation, including the growing importance of infrastructure services sectors in international trade and employment as well as the impact of technological advancements and climate change.
According to information provided by UNCTAD on its website, the objective of the multi-year expert meeting, which examined the regulatory and institutional dimension of services, development and trade, was to assist developing countries, especially African countries and least developed countries, as well as countries with economies in transition, in establishing regulatory and institutional frameworks and cooperative mechanisms to support the strengthening of their domestic services capacity and its efficiency, competitiveness and export capabilities.
UNCTAD said that the purpose of the meeting was to bring together experts and practitioners from governments, sector regulators and competition authorities, services policymakers, trade negotiators, research institutions, civil society and the private sector to address the development implications of regulatory and institutional frameworks in infrastructure services sectors, and to identify and clarify the key issues and relevant policy options to enhance the capacity of developing countries to benefit from services, development and trade.
According to an UNCTAD Secretariat background note for the expert meeting, infrastructure services development fosters economic growth and development, thus contributing to the attainment of the Millennium Development Goals (MDGs). Infrastructure development is an essential component of countries' crisis mitigation measures and post-crisis integrated growth and development strategies.
"Sound regulatory and institutional frameworks (RIFs) engender beneficial effects of infrastructure services sectors (ISS) - energy, transport, telecommunications and financial services (FS) - in achieving socially efficient and equitable outcomes, addressing market failures particularly in financial sector and internalizing the costs of climate change mitigation and adaptation," it summarizes.
According to the note, the global combined annual revenue of ISS (infrastructure services sectors) stood at $14 trillion in 2009, or 24% of the world output. Developing countries represent 30% of global ISS output and its importance has increased with the rise of emerging economies. ISS represent over 35% of world services exports valued at $1.3 trillion. For 2002-2008, world ISS exports expanded at 17.6%, a faster pace than total services sectors. Developing countries' share in this trade climbed from 21.4% in 2002 to 25.4% in 2008 with their exports outpacing the world average (21.1% and 17.6% respectively).
While the global crisis had smaller effects on global services trade than merchandise trade, its effects on infrastructure services sectors were significant, said UNCTAD. World exports of transport and financial services, and infrastructure-related construction services, all fell by 20-30%, while the decline in communication services was smaller. The continued growth (7.7%) of the global ICT market was driven by outsourcing, system and software development. By mid-2010, export levels remained 20-25% below pre-crisis values for all sectors except communication. Energy services are expected to have been resilient due to the low income elasticity of energy.
According to the UNCTAD note, ISS (infrastructure services sectors) is an important determinant of trade and competitiveness. Low-cost and reliable communication, transportation, logistics, capital and energy are essential for financing, sourcing, production and marketing of goods and services, including those conducted within international supply chains. The significance of supply chains is evidenced by increased share in world trade of intermediate goods and services particularly ISS and related services (56% and 73%, respectively). Furthermore, energy, water, transport and logistics costs represent some 30% of total production costs of manufactures.
UNCTAD said that the global financial crisis demonstrated the critical shortcomings in financial RIFs (regulatory and institutional frameworks). It was an apparent case of regulatory failure in addressing rampant market failure, and challenged the efficient market hypothesis, thereby calling for reviewing the role of the State in financial regulation. Ultimately, the success of the regulatory reform would be judged by whether it could address the root causes of the crisis and prevent future crises, and restore a well-functioning financial system that allocates capital to useful productive and real economy activities.
It noted that many developing countries were relatively de-coupled from the financial crisis as they had pursued a prudent regulatory approach and/or were not fully integrated in the global financial markets. Since many developing countries are yet to adopt the Basel II framework and Basel III is not mandatory, it is important that they are able to adjust the rules to national circumstances so that implementation of the new rules does not risk their financial stability or developmental objectives, it said.
The background note concludes that development of ISS must be anchored in a comprehensive, integrated and coherent strategy for growth, development and trade, which will require close coordination with complementary policies. RIFs need to be continuously adapted to rapidly changing market conditions, technological developments and pressing global challenges.
Trade agreements have raised concerns regarding the impact of trade rules on national regulatory autonomy, as well as development of ISS. To improve regulatory and pro-development outcomes, multi-stakeholder interaction including policymakers, regulators, trade negotiators, civil society, and private sector is important, it says.
In his presentation at the multi-year expert meeting, Dr Reddy provided some insights relevant to the regulation of the financial sector.
Firstly, he said, the race to the bottom in financial
regulation, particularly in international financial centres, may not
have ended. Many regulatory proposals in the
Secondly, all financial regulation is at the national level and the regulatory authorities as well as monetary policy authorities have a clear mandate to maintain financial stability as also price stability, along with output and employment maximization. "In other words, the mandate of the national institutions is the national interest at any particular point of time. The global interest can be taken into account only if it is consistent with the national interests."
This issue, Dr Reddy pointed out, came to the fore in the context of Quantitative Easing by the US Federal Reserve. In these circumstances, "global coordination is possible, desirable and feasible, but not assured in the short run or in all circumstances since each national regulation is mandated to serve national interests," he said.
Thirdly, he noted, the recent uneven recovery as between different countries leading to divergent policy actions indicate that economic cycles are predominantly national, though increasingly they are becoming globally interconnected. Many developing countries have to adopt their policies consistent with the state of cycle in the domestic economy, and to be able to do this.
Fourthly, there may be recourse to financial repression in some of the countries in future, particularly in advanced economies. The public debt for many of the advanced economies is large, and the capacity of many of the economies to raise tax resources or have expenditure cuts in order to manage their debts is not unlimited, and hence, both financial repression and inflation financing should not be ruled out in their jurisdictions.
Fifthly, said Dr Reddy, the principle of un-level playing field in financial markets has been accepted when systemically important financial institutions are sought to be identified, and higher capital provision is being suggested.
Once the principle of un-level playing field has been accepted, it can be used, if necessary, to design differentiated regulatory regimes to different segments in financial markets, as long as there is reasonable discrimination, Dr Reddy added.
Sixthly, several arguments are advanced to hold that financial flows will move away from countries which have taxation on the financial sector, or have restrictions on the capital flows, but these assertions are not empirically established, he said.
Large capital inflows have been taking place to
Seventhly, he said, the argument that requirement of higher capital would always involve higher cost to the customer or would affect funding of economic growth, has not been empirically established. That inadequate regulation would result in disproportionate benefits or bonuses to the financial sector is well established.
However, there is no evidence of direct relationship between sophistication in development of financial sector and the level of savings or their efficient allocation. That excessive financialisation results in adverse consequences is well established. There is obviously an optimal level of regulation; and the optimal level is specific to each country while globally agreed norms are meant to be minimal standards only.
Eighthly, the problem of capital flows may not
be restricted to the developing countries, Dr Reddy said, noting that
Fed Chairman Ben Bernanke, in a recent paper, explained that the financial
instability in the
Further, the problem of excessive capital inflows
cannot be managed satisfactorily at the destination of such inflows,
unless there are appropriate policies at the origin, as illustrated
by experience with Quantitative Easing in the
Further, there is a general acceptance that the prudential regulation of the financial sector should be the preferred option of managing capital flows.
Finally, if intervention of the government or the regulatory regime is required in order to maintain financial stability, it is not clear how it is presumed that the financial sector would permit growth without appropriate interventions to ensure growth. In this regard, there may be need to differentiate between provision of financial services such as retail commercial banking in which financial inclusion will be the main focus and financial intermediation. Providers of financial services should be regulated on par with an essential service or a public utility. (Former Fed Chairman Paul) Volcker's rule supports this view and it is of special significance for enabling, inclusive development, Dr Reddy said.
Apart from highlighting some of the financial
reforms being undertaken by the
"However, it was considered appropriate to learn lessons from the crisis while at the same time pursuing [an] agenda of reforming the financial sector to keep pace with the demands of a growing real sector," he said.
Firstly, the Financial Stability and Development Council (FSDC) has been established through an administrative notification. The Council, chaired by the Finance Minister, is expected to address issues relating to: (a) Financial stability; (b) Financial sector development, including financial literacy and financial inclusion; ( c) Inter regulatory coordination; (d) Macro-prudential regulatory framework, including regulation of systemically important financial institutions; (e) Interface with international regulatory bodies in the financial sector; and (f) any other issue considered appropriate by the Chair (of the Council).
While there could be differences in regard to the composition and powers of the FSDC, it is necessary for all developing countries to appreciate that a high level national body would be desirable to address issues relating to financial stability and development, and in particular to ensure coordination among the regulators.
Such an institutional set-up may be redundant if the central bank is placed as the apex body responsible for stability, development and consumer protection, said Dr Reddy.
Secondly, a new law has been passed to settle jurisdictional disputes in regard to hybrid instruments. The relevant point to note is the recognition of the need for managing jurisdictional disputes in regard to hybrid financial market instruments. It is possible to argue that an apex body like the one envisaged in the Bank of England would avoid such issues. It is also possible to argue that informal or formal mechanisms to avoid disputes should ideally be with the central bank. In fact, it can be legitimately held that ideally mechanisms for coordination should subsume such adjudication rather than treat jurisdiction to be a matter for arbitration.
Thirdly, a working group of the Reserve Bank of India (RBI) has suggested a new law for regulating financial holding companies, which may have one of its arms, a bank. Despite the emphasis on the Volcker rule, emergence of financial conglomerates should be recognized. There is merit in having an appropriate uniquely designed legal framework for regulating holding companies involving a bank as one of its arms.
Fourthly, amendments to the Banking Regulation Act are being proposed, which strengthen the regulatory and supervisory powers of the banking regulator, namely RBI. The enhanced regulatory powers will facilitate effective, graded and prompt preventive-corrective actions, Dr Reddy added.
Fifthly, he said, the government has announced that the mergers and acquisitions in the banking sector will not be subject to the jurisdiction of the Competition Commission, but will be decided by the RBI.
Finally, the constitution of a Financial Sector Legislative Reforms Commission has been announced. The Commission is expected to study and recommend on the total architecture of the legislative regulatory system of the financial sector.
"A longer term view and careful deliberation on legislative changes relating to financial sector has much to commend for itself, if a country has no immediate stress on financial sector," said Dr Reddy.
On some issues that are relevant to the regulatory institutional framework, Dr Reddy said that firstly, reforms in the institutional structures of advanced economies have been essentially in terms of reaction to the financial instability that they have faced. However, in designing the institutional framework, developing countries will have to give equal emphasis to stability issues and developmental issues.
Secondly, he added, the reforms highlight the importance of coordination among the regulatory agencies and also between the government, central bank and other regulatory agencies.
The developing countries have to emphasize coordination because the financial sector plays an important role in structural transformation. Further, in view of the limited skills and often small size of several developing economies, it may be desirable to have several regulatory functions concentrated in a single institution such as a central bank.
Thirdly, in all coordinated mechanisms related to the financial sector brought about in advanced economies, central banks have a critical role, and in some cases they do have a leadership role. In particular, the central role of central banks relative to governments in crisis situations may have to be recognized, particularly in developing countries where financial sector crisis and political instability often happen together.
Fourthly, a mechanistic approach for devising counter-cyclical policies may not be adequate for developing countries since it is difficult to differentiate between structural and cyclical components in rapidly growing economies. Further, coordination with other policies also warrants judgements and accommodation of several points of view. Hence, discretion becomes as important as rules, and the institutional framework should provide for this.
Fifthly, the innovations in financial products call for significant skills. Hence, it may be desirable for developing countries to have a positive list of financial products that will be permitted in the financial sector.
Only the financial products which have proven to be non-toxic in advanced economies may be included in the positive list in developing countries, he said.
Sixthly, said Dr Reddy, in many economies, the financial intermediaries, in particular banks, may not be too big to fail, but they may be too powerful to regulate, particularly in view of the diplomatic pressures that often accompany financial intermediaries with a multi-national presence.
There may be merit, he added, in restricting the presence and activities of such powerful entities through legal provisions and regulatory prescriptions.
Finally, there is need for special resolution mechanisms for financial intermediaries that are under stress. It may also be desirable not to subject the mergers and acquisitions in the financial sector to the jurisdiction of the Competition Commission, since the financial sector has unique externalities. Thus, ensuring competition in the financial sector could be within the jurisdiction of the financial sector regulators, he concluded. +


text: Today my college had an event advertised as 'Pinterest Jams' where you come listen to live music and make plants. There was a huge line and I was afraid I wouldn't be able to make one before they ran out of supplies, but I arrived just in time. We were able to pick a jar, fill it with stones and dirt and plant food, and then pick either a cactus or succulent. It was a tough decision, but I picked two small baby cacti (back right). The other cacti are some of the plants my friends made. I was very excited for this event because I had wanted to buy a plant for college as my 'pet', but I didn't have time. Now I can keep this little gal on my windowsill to brighten up my room and soak up the sunshine. I have to water her about once a week which isn't too tough for someone as forgetful as me. I'm thinking of names for the two babies, any ideas? All in all, I'm happy to have a new friend and I hope it lifts my mood whenever I see her!


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This is our official supplements list of the best protein powders you can find out on the market today. If you're new to bodybuilding or fitness, we recommend scrolling down to our guide to protein section to learn more before committing to anything.
Need more info before choosing? Jump to: Guide to Protein Powder Supplements
10 Highest Rated Protein Supplements
We've across countless protein supplements over the years, and we've used dozens ourselves. Below is the end result of years of searching for the most effective ones; a lineup of the top ten to consider.
BONUS ENTRY: Gaspari Nutrition Myofusion
- Builds Muscle
- Gluten and Aspartame Free
- Great flavors
- Includes Whey Protein
- Supports Immune System and Digestive Health
Key Factors
This new product is great for building muscle mass as well as helping your muscles recover from vigorous exercise. It's made with a combination of six different active proteins and a powerful probiotic. The formula doesn't contain any artificial sweeteners.
Bottom Line
It comes in seven different flavors, such as traditional chocolate and vanilla, but also more interesting ones like cinnamon roll. It's even gluten free. Gaspari Nutrition Myofusion comes in 5 and 2 pounds tubs perfect for long term use.
#10 – CytoSport Muscle Milk
- 310 Calories per serving
- 32 Grams of Protein
- 20+ Delicious Flavors
- Lactose and Gluten Free
- Increases Strength
Key Factors
Muscle Milk is a favorite among athletes and even military personnel for its benefits in muscle recovery and muscle building. The powder contains a mixture of 20 essential vitamins and minerals as well as 32 grams of protein. It's also gluten and lactose free.
Bottom Line
For those on the go, there is also a ready-made version of the shake. The Naturals Muscle Milk formula contains zero artificial sweetener. It comes in over twenty different flavors from the classics like strawberry to the exotic like German Chocolate Cake.
#9 – Nature's Best Zero Carb Isopure
- No carbs, no sugar
- Fruit flavors & unflavored
- 50 grams of protein
- 1 Gram of Fat
- Whey Protein main ingredient
Key Factors
Made from the most pure whey proteins, this supplement is all-natural and perfect for creating a healthful nitrogen balance in your body. The product contains no carbs and no sugar, just protein. It's the perfect way to help prepare your muscles to begin a workout or to help them heal afterwards.
Bottom Line
There are more than fifteen great flavors to choose from including fruity flavors, like Mango-Peach, for those of you who prefer a fruit smoothie to a milkshake.
There's also an unflavored option for when you need to add more protein to your everyday foods. It's the powder that really packs a protein punch with 50 grams per serving.
#8 – MusclePharm Combat Powder
- 25 grams of protein
- Less than 2 grams of fat
- Time Released Protein
- Official Nutritional Supplement of the UFC
- Blend of 5 essential proteins
Key Factors
It's all in the name with Muscle Pharm. Pharmacy is where you go to keep your body healthy. Muscle Pharm is where you go to get your muscles healthy. The special time action formula releases proteins at intervals to feed your muscles for up to 8 hours.
Bottom Line
Two scoops of powder, enough for one shake, will give you 25 grams of protein. Eight different flavors mean that you can find the perfect muscle recovery shake for you. Low sugar and fat content make this a good snack between meals or as a meal replacement.
#7 – Dymatize Iso-100
- 100% whey protein isolate
- No fat, carbs, or sugar
- 25 grams of protein
- Gluten Free
- Feel the difference almost instantly
Key Factors
Dymatize Iso-100 is a 100% hydrolyzed whey protein isolate. The formula gives you 25 grams of protein without any fats, carbs, or sugars. Your muscles get the protein they need without you having to sacrifice any meals for the rest of the day.
Bottom Line
It's a natural formula, so it's safe for consistent use. As an added bonus, the pina colada flavor makes you feel like you're at happy hour.
#6 – Optimum Nutrition Pro Complex
- 60 grams of protein per serving
- Contains BCAAs
- 24% DRV Calcium
- Dissolves Easily
- Low fat and sugar content
Key Factors
Optimum Nutrition has the highest amount of protein on the market with 60 grams for one serving. It also only has 1 gram of fat and 1 gram of sugar. The formula also contains 25% of your recommended daily value for calcium.
Bottom Line
The flavors for this protein powder all pretty standard, but they still taste pretty good. The product also includes a good ratio of BCAAs which prevent the breakdown of muscle tissue.
#5 – BSN Syntha 6
- 10 essential amino acids
- Begins muscle recovery
- Supports nutrition
- Caffeine-free
- Amazing taste
Key Factors
Syntha 6 has a little lower protein content than many of the other brands on this list at 22 grams, but the formula does include 10 essential amino acids. In addition, the powder helps start the muscle recovery process and supports basic nutrition.
Bottom Line
Plus, the caffeine-free formula means you can use it any time of the day or night. Ridiculously great flavors like chocolate cake batter will have you reaching for this shake as an after dinner treat.
#4 – MuscleTech Phase 8
- Time released protein
- 6 different protein types
- Sugar free
- Caffeine Free
- Best in class taste
Key Factors
Like Muscle Pharm, the MuscleTech Phase 8 protein powder has a time release protein formula for all day muscle energy and building. The powder also include 6 different types of protein derived from dairy and non-dairy sources.
Bottom Line
Sugar free formula keeps your energy coming without a sugar rush or the disappointing crash. It's also caffeine-free and safe to use before or after your workout or really anytime at all. MuscleTech's taste has been voted best in class consumers.
#3 – Optimum Nutrition 100% Whey Gold Standard
- 120 calories per serving
- 5.5 grams of BCAAs
- Great for weight loss
- Amazing flavors
- Dissolves instantly
Key Factors
Optimum's Nutrition's Gold Standard is one of the lowest calorie powders on the market at only 120 calories per serving. It's great for trying to lose weight and build muscle at the same time.
Bottom Line
The Optimum Nutrition BCAAs are still a part of this award-winning formula. There are also so many mouth-watering flavors to choose from that you'll think you're at an ice cream parlor and not a nutrition center.
#2 – Cellucor COR- Performance Whey
- 100% whey protein
- Low fat, carb, and sugar content
- Digestive Enzymes
- Easy to mix
- 120 calories
Key Factors
The number one protein powder on the market boasts 100% whey protein. The formula includes very little fat and carbs, which gets you everything you need and nothing you don't.
Bottom Line
Cellucor also includes digestive enzymes to make getting your protein as comfortable as possible. It's easy mixing, with the perfect consistency. You can put it in water, coffee, milk, or pretty much anything you want. Very low sugar content and only 120 calories.
#1 – ProteinSeries 100% Grass-Fed Whey Protein Isolate
- 112 Calories per Scoop
- 28 Grams of Protein
- No Fat, Carbs, or Sodium
- Free of Dyes, Gluten, and Preservatives
Key Factors
An essentially perfect blend of lean protein, ProteinSeries 100% Grass Fed Whey Protein Isolate contains no fats, carbs, dyes, or preservatives. Sourced from New Zealand, the 28 grams of protein per scoop is easily among the cleanest you'll find anywhere.
Available in classic chocolate and vanilla flavors, anyone who lifts weights in any capacity can benefit from this top-quality lean protein from Transparent Labs.
Who Makes It?
Transparent Labs creates clean supplements without resorting to proprietary blends. Their products are divided into various series depending on their overall function, so they have a Physique Series, Core Series, and Pre Series, among others.
Bottom Line
For a 100% pure protein that is top-quality and clean in all the important ways, ProteinSeries 100% Grass Fed Whey Protein Isolate very well may be the perfect protein supplement.
Protein Powder Guide for Beginners
The year 2017 is all about protein powders. And why not? One of the biggest New Year's resolutions every year is to get fit. The best protein powders will help you do just that. Most people use them after workouts to help their muscles recover, but they are also great before a workout to help you get through it.
They are also a great addition to vegetarian diets that make it difficult to get enough protein. However, not all protein powders are created equal. The best protein powder will give you a great source of protein, a great taste, and support your overall health
We live in the age of supplements. There is now a supplement for every possible problem or need imaginable, from mood swings to lack of concentration. It should not come as much of a surprise that bodybuilders and athletes similarly have their own lines of supplements to help them to work out better, longer, and harder.
These are known in the business as protein powder supplements, and no great surprise either, some of them are better and actually more helpful than others of them prove to be.
What Is Protein?
A protein is a type of complicated and large molecule that performs many different but crucial tasks in the human body. These important little compounds actually do the majority of cellular work and are necessary for the organs and tissues' regulating, functioning, and structure building and regenerating around the body.
Proteins are actually comprised of even thousands of tinier building blocks known as amino acids that are compiled one against the next in the form of lengthy chains.
Over 20 varying types of these amino acids are combined in various arrays to make a single protein. It is these sequences of the amino acids that decides every protein's one of a kind three dimensional structure, as well as the particular function that it will perform.
How Much Protein Should You Consume?
Where bodybuilders and professional level athletes are concerned, this innocent and simple-sounding question is actually one for the ages.
Because individuals and their bodies require different levels of proteins for the development and maintenance of bones, muscles, and the organs in the body, this question's answer will vary greatly depending on the age and circumstances of the person asking it:
- Babies and toddlers require around 10 protein grams each day.
- School aged children require from 19-34 protein grams every day.
- Developing teenage boys and girls each need as many as 52 grams and 46 grams per day, respectively.
- Adult men and women each require approximately 56 grams and 46 grams of protein daily, respectively.
- Breastfeeding or pregnant women need up to 71 grams per day.
Obviously, the needs of a serious bodybuilder will vary somewhere in between the teenage boys and adult men levels, depending on how old they are. In fact, one has to be a math whiz to figure out the precise grams of proteins that a competition level athlete or heavy lifter actually requires daily. The formulas work like this:
- Recreational athletes require between .5 and .75 grams per day of protein for each pound of their body weight.
- Competition level athletes require from .6 to .9 grams for each pound of weight.
- Teenage athletes use .8 grams to .9 grams for every pound of body weight.
- Muscle mass-building athletes use from .7 grams to .9 grams for each pound of body mass.
- No one needs to exceed more than .9 grams of protein for every pound of body weight.
Some math calculations tell us that a person weighing 200 pounds would need no more than 180 grams of protein per day maximum. Another thing to remember is that any person should take in minimally 10% of their total daily calories, yet not in excess of 35% of caloric intake, from protein, per the Institute of Medicine.
What are Protein Powders?
Protein powders mostly come in the form of more appetizing and appealing to drink protein shakes. These powders and shakes are quick acting, easy to take, massively effective oral protein injections in a single dose.
Such protein powder shakes are typically utilized by serious athletes who feel they need something to strengthen them immediately following their workouts, per the ISSN, or International Society of Sports Nutrition.
With protein shakes, athletes and bodybuilders obtain up to 100% protein or an enormous amount of carbohydrates that contain only a little bit of fat and protein added.
The reason that athletes opt for protein shakes in an overwhelming majority of cases is because they come either ready to drink in cans or packages or alternatively in powder form packets that are simple to mix up with plain water.
Benefits of Protein Powders
Protein powders are no hoax or marketing gimmick created by some clever guy sitting in a room trying to think of something to make the muscle-bound bodybuilders spend their hard earned money on in an attempt to sucker them into thinking they are actually helping their bodies and their workouts' effectiveness.
They are a legitimate supplement that do offer a number of significant benefits, especially to those athletes who are trying to pack on more muscle, and not simply to maintain the muscles that they already possess. Some of the major protein powder benefits are:
Protein Powders Provide Fast Digestibility
Proteins in powdered form are supremely useful for any athlete or weightlifters who require a quick protein fix. Once the workout is completed, bodybuilders commonly discover that they need protein fast in order to stimulate protein synthesis.
Between immediately following and within 30 minutes of concluding the workout, weightlifters are supposed to consume something that is high in protein, be it a solid or powder-shake form of nourishment in order to boost the recovery and muscle-building processes the body is trying to perform.
Another important reason to eat protein so quickly following the major workout is to stop the body from producing a negative hormone that is called the catabolic hormone Cortisol. This cortisol is actually a bad stress hormone that closes down the growth of muscles.
It builds up rapidly in the male body especially following deploying huge amounts of energy. To stop it building up, the athlete must tank up the organism with some critical calories.
The quickest and most effective means of accomplishing this task is by drinking down a mighty protein or carbohydrate shake that does not require any difficult preparation or time to put together and which the body will rapidly digest, much more quickly than with say solid foods.
The mornings are another good time to have this type of protein nourishment. Muscles are always looking for more sustaining nourishment in the mornings when it is time to break that fast that started last night after dinner.
Putting down one of these types of protein shakes with breakfast will sate the bodybuilders' muscles rapidly and permit them the time and protein they need to rebuild after the prior days' workouts.
They Are A Useful Snack
The truth is that bodybuilders commonly and most ideally require something nutritious to eat on an every several hours basis in order for the hungry and tired muscles to have proteins to work with and to help them to regenerate.
Making so many little protein- and carbohydrate-based meals throughout the day takes a lot of time, and eating them is similarly time-consuming.
Protein shakes permit the bodybuilders the means of having a high in protein snack that they can very quickly feel the results of and that will not weigh them down like a complicated meal of solid foods will.
Protein Boosts the Immune System Ideally
The immune system of professional athletes and weightlifters often goes downhill when the body is worked out so hard for extended periods of time. This is why proteins are so important to help keep the immune system operating at peak efficiency.
There is an antioxidant contained in protein known as glutathione that a strong and well immune system requires. This is why good protein powders and shakes allow professional level athletes and weightlifters to replace their diminished levels of glutathione following both strength and resistance trainings.
Helps Promote Weight Loss
Protein offers another advantage to those who are trying to convert excess fat into rock hard muscle. This is that sufficient amounts of protein will assist those who are trying to lose weight.
Protein shakes that happen to be low in carbohydrates provide a good low carb and low calorie snack alternative during the between-meal times when many people inadvertently choose the wrong snack and pack on the wrong kinds of pounds.
The right kinds of proteins will also help you to convert the lost pounds of fat into leaner muscle. Still, protein powders and shakes are only supplements when all is said and done, not a true substitute for well-rounded diets.
Athletes and weightlifters in particular should be conscious of the fact that a well-rounded diet needs to be a high priority. If you tick off all of the boxes on a good diet chart or checklist, then adding in high protein powder shakes is a terrific idea for supplements to a good diet.
Helps Reduce Risk of Diabetes
Newer research that has come out fairly recently illustrates the reasons that these types of protein powders ala shakes may also help to fight off diabetes conditions. A few of these studies have demonstrated that good proteins may lower insulin and blood glucose levels.
The jury is still out on whether or not proteins actually positively impact cholesterol, blood pressure, or vascular health levels and issues.
What are the Different Types of Protein Powders?
Protein powders and shakes come in a few different forms for consumption. The most typical three types are soy, whey, and casein protein. Without a doubt, whey is the one used most commonly as it is a good protein that is soluble with water and milk, per the State University of New York in Buffalo's Associate Professor Dr. Peter Horvath, PhD.
Besides this, whey is similarly a whole protein, meaning that it offers all of the nine amino acids that the human body and diet requires. Soy protein turns out to be more preferable for vegans, even though it is less pleasant tasting and to take. It also lacks the water solubility properties of whey protein, making it harder to actually consume.
What to Look for in a Good Protein Powder Supplement
The unsettling truth nowadays is that there are hundreds if not thousands of protein powder supplements on the market today, and more than a few of them are not worth the price that bodybuilders and athletes are asked to pay for them, sadly.
This is why it is so important to get second and even third opinions on which protein powder you should invest both your money and experimental time into taking. It is a smart idea to read through a number of reviews on the different supplements to get a reasonably confident idea on which ones tend to work better for your fellow serious athletes, and to know which ones you should avoid entirely.
You might also ask some bodybuilding mentors whom you trust implicitly which protein powder shakes they prefer and recommend. Some of the criteria that you will want to consider when evaluating these protein powder – shake supplements include:
Is the prospective protein powder or shake supplement strong enough to make a noticeable difference or to have a measurable effect?
Safety is a bigger and more critical issue now than it has ever been before in the athletic world, in particular with so many doping scandals erupting and destroying both careers and reputations. Will this supplement guarantee you not only safe, but completely legal and above board, all-natural ingredients
Quality of ingredients makes all the difference in why one supplement is more effective, and costly, than the bargain basement variant sold by Amazon for $19.99. You need to know if the quality of the ingredients is sufficient to guarantee the efficacy of the supplemental product in question.
What is more, you should have a high degree of confidence that the protein powder product manufacturer will honor their money back guarantee if you later decide that the ingredient quality is lacking or not what was advertised on their shiny and appealing website.
The question of value does not boil down to which supplement is the cheapest on the market. You may believe that one product is far less expensive than another only to later learn that the more expensive one came with a three month supply to the cheaper one's only thirty day quantity.
It is most critical that you are comparing apples to apples with these various protein powder and shake supplements. If customers review one supplement far better than another one, then the better reviewed and liked one is probably deserving of a higher price point.
Overall value really comes down to a simple question that should be easy enough to get answered by reading those all-important product reviews on various independent websites— do the customers who have tried the product like it, and would they (or perhaps more tellingly, have they) re-order it again?
How To Take Protein Powder Supplements Properly, Safely, and Effectively
Let's face it; it is one thing to buy the most effective product which is the best value and has only all-natural ingredients in its formula, and another thing altogether to take it properly and not to overdo it.
This is where the mathematics that we discussed earlier in this piece come into play. Besides figuring up how much protein you need in a weightlifting day, you can start with a little common sense to know if you are short on your protein intake.
Symptoms of overly low protein intake are fairly obvious and not too easy to miss. If you feel unnaturally fatigued, weak and powerless when exercising vigorously or lifting weights, or are all too slowly recovering from any athletic injuries, then you can say with near certainty that your protein levels are simply not as high as your body is telling you that they need to be.
In terms of calculating your protein-appropriate levels, remember that you multiply your number of pounds that you weigh by your number of gram fractions required per pound. This gives you the number of protein grams that you are supposed to consume every single day. How should you most appropriately utilize protein powders or shakes to assist you with improving your workout performance then?
The first best advice is to pay no attention to the proverbial conventional wisdom. It tells you that the smartest and most effective action is to consume your protein powder or shake immediately following the workout.
This is good, but remember that your body craves more than just the amino acids found in proteins to recover from a hard core workout. In fact, it also wants 4 or 5 to 1 parts of carbohydrates to protein grams intake following this type of exertion.
This means that if you are going to down a shake with 20 grams of proteins in it, you simultaneously require 80 to 100 grams of carbs to go along with it in order to properly feed your muscles.
You will not find this ratio of carbs to proteins in many protein shakes. What you might want instead, or at least alongside the protein shake, is to make a fruit smoothie using milk, chocolate milk, or yogurt as the base.
Yes, chocolate milk is somewhat surprisingly among the very best fluids you can consume for workout recovery. It is loaded with carbs (check that nutritional information panel on the side if you doubt this) and offers proteins too in the milk component.
Regarding when to off those protein powder shakes, the answer is be flexible. If in fact your math or exhaustion levels show that you need more protein in that daily diet, then substitute in a protein shake in place of a meal or even a snack. Only do not drink it immediately before, during, or after your workouts.
Wrapping Up
Those are some truly great protein powders! It seems to be a trend that the best protein supplements you a lot of protein without a lot of fat, carbs, or sugars.
In addition, they taste great and have a good consistency. When you go looking for a new protein powder to try this year, definitely have this list in hand.
What to read next: Best Power Rack Reviews – Guide to Choosing a Power Rack
Update Log Activity
- Updated on March 28, 2019 by Ada Lane


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Surigao Explorations
The MAD Cavers considers the Southern Philippines a playground for cave divers! Freshwater springs, lakes and cave systems lay await for the intrepid explorers to visit and lay the first line.
The Hinatuan Enchanted River Head Spring was first explored by the MAD Cavers in 2010. Since then, the area has steadily gained popularity not only for cave divers but also for recreational divers as well who want to experience the unmatched water clarity and the exhilaration of "flying" above a deep canyon! Of course, they remain within recreational depth limits and no penetration into the cavern or cave.
Thirst for knowledge unquenched, the MAD Cavers went back to Hinatuan in 2011 and was challenged anew by an occurrence they did not expect!
Click here for the reports:
With so much places to explore, it was only a matter of time before the cave diving culture hit the island of Mindanao. Filipino cave diver, Jake Miranda of Surigao City is the man responsible for laying the lines on virgin territories!
Read up on Jake's articles:


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More Honours For Seelster
Published: February 14, 2014 12:08 pm ET
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The accolades keep coming for Lucan, Ontario's Seelster Farms. Not only did the longtime breeding operation win the Armstrong Breeder of the Year Award at last Saturday's O'Brien Awards, Seelster picked up another Breeder of the Year Award the same weekend.
Equine Canada presented the 2013 Canadian Breeder of the Year Award to Seelster Farms during the 2013 Equine Canada National on February 7 in Winnipeg, MB. The EC Awards Gala was part of the 2014 Equine Canada National Convention, which took place at the Radisson Hotel Winnipeg from Feb. 5-9.
Seelster Farms has been owned and operated by the Van Bussel family for over 40 years, and has been passed down through three generations. Together, they have established a Standardbred breeding program that is regarded as one of the best in North America. The operation began with one filly in 1969, and has since grown to encompass 600 acres, four barns, 61 broodmares, and six breeding stallions.
One of their most notable stallions is Camluck. To date, he has sired over 2,000 horses, and his progeny have claimed more than $209 million in earnings. However, Camluck is just one of many successful horses produced by their breeding operation. In 2013 alone, Seelster Farms' horses had 1925 starts, 248 wins, and brought in more than $2,149,413 in race earnings.
Seelster Farms is also widely known for its innovation and dedication to the Canadian breeding industry. It was one of the first breeding operations in Ontario to use artificial insemination exclusively. In addition, the late Chris Van Bussel (son of founder, Frank) was instrumental in the implementation of freeze branding technology, and generously gave his time and expertise as a director and president of the Canadian Standardbred Horse Society. He was inducted into the Canadian Horse Racing Hall of Fame in 2004.
Chris' wife, Cathy Van Bussel, sister, Hubertina Van Boxmeer, and daughter, Ann Straatman, are the current operators of the farm, and continue to uphold the family's longstanding commitment of giving back to the Standardbred racing industry through volunteer efforts within multiple committees, boards, and associations.
"Seelster Farms wishes to thank Equine Canada for this great honour. As a third generation breeder in the Standardbred industry, it is heartwarming to know that our everyday efforts have been recognized across all breed barriers," said Straatman.
Equine Canada is pleased to recognize the exceptional accomplishments of Seelster Farms and the many contributions the Van Bussel family have made toward the Canadian breeding industry.
(with files from Equine Canada)


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When you're on the go and need to order your workplace essentials, don't forget to use our friendly mobile ordering site!
Go to online.innovativeos.com with any smartphone browser, log into your account, search for your office products and order right from your mobile device. How handy is that?
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The aim of Intermediate Microeconomics is the development of theoretical and applied skills in economics. It covers applications and extensions of the theory of consumer choice, firm behaviour and market structure. Emphasis is given to the economics of information and choice under uncertainty; industry structures other than monopoly and perfect competition; markets for factors of production; general equilibrium and economic efficiency; market failure and the role of government. This unit provides a basis for the more specialised options that comprise third year economics.
1x2hr lecture/week, 1x1hr tutorial/week
Tutorial participation (10%), 2x in-class tests (40%) and 2hr Final exam (50%)
Additional information
Certain combinations of Maths/Stats may substitute for Econometrics. Consult the School of Economics Undergraduate Coordinator.
ECON1001 or BUSS1040 or ECON1040Prohibitions
ECON2001 or ECON2901 or ECOS2901
Intensive January
06 Jan 2020
Semester 2
24 Aug 2020
Semester 1
24 Feb 2020