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SOLAR GOLD rush .vs. Saudi Arabia July 19, 2009Posted by Bipin Agarwal in Future of transporation, Global Economy, Politics and economy, Real Estate Development in Global Economy, Recession.
Tags: Energy independence, Global Economy, Green energy, middle east, Recession, Soalr Energy, US economy
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Decoupling of Oil from world economy article on my blog received overwhelming response from all over the world. Reactions were all over the map from denial to skepticism to curiosity. Mission accomplished, at least the conversation started.
One of interesting question came from a university in UK, inquiring about the impact of OIL decoupling on Saudi Arabia. As we all know there is no other country more synonymous with OIL than Saudi Arabia.
Saudi Arabia current reality
Saudi Arabia is in an interesting position in the context of money, world economy, and politics. US president recently said that middle east peace is the hardest problem to tackle. It is further complicated by the nature of the government and demographic of the country.
Relationship between developed countries and Saudi is based on mutual benefits; OIL is the backbone of developed countries domestic economy, and foreign policy. Saudi is a buyer of lot of defense equipments (defense industry is critical for developed countries) that are of no use for Saudi. However it seems that US (largest developed country) has a little upper hand because OIL is priced in Dollar. We all know that pricing of the OILis dependent on the relationship between Middle East and US, not demand and supply as lot of economist or people would like to believe. Without the support of developed countries OIL will be trading at dollar twenty a barrel.
How Saudi Arabia can play the game
Saudi Arabia should continue to have strong relationship with developed countries, and generate as much reserve as possible using OIL export. Saudi Arabia needs to pursue aggressive SOLAR strategy as well. From a branding point of view it means, they need to position as an Energy supplier of the world, not an OIL supplier. Some of thoughts are outlined below:
- It is very important that Saudi Arabia make huge investment in SOLAR energy plants and Technology Company all over the world.
- They currently have lot of dollar reserve. I would argue that lot of reserve should be directed to building and owning SOLAR energy capacity all over the world. Dollar will eventually lose value and they should not wait.
- Energy grids, the way electricity is transported, is a critical component of the infrastructure that requires massive investment. This is a huge investment opportunity for Saudi Arabia. Best thing is that this investment will have no resistance from the receiving country. Off course the country has to be friendly, otherwise they can seize the asset. It is a pure investment play.
- Significant number of countries in the world will welcome Middle East investment if it is meant for SOLAR energy production.
- Saudi Arabia will reduce it dependence on OIL as the only source of revenue. Remember there will be lot of opposition from the developed countries, because they will lose influence over Saudi Arabia,
- I think Saudi Arabia should not encourage lot of real estate development in their country. Currently this is a big source wasteful expense.
Every country will have to adjust to this reality of SOLAR GOLD over time. Middle East countries with significant reserve can take advantage of the SOLAR GOLD opportunity by investing in SOLAR power generation, solar technology company, and infrastructure for electricity grid.
It is not possible to discuss every country in detail in this article. If you would like to discuss a county of your choice, please send me a note @email@example.com
You have a question, about Global economy, Real Estate, and Politics correlation, feel free to ask by sending email or writing a comment.
Bipin Agarwal
De-coupling of OIL from world economy July 9, 2009Posted by Bipin Agarwal in Future of transporation, Global Economy, IT Offshoring - Future Direction, IT offshoring and Real Estate development, Politics and economy, Quality of Living, Real Estate Development in Global Economy, Real Estate Development in India, Real Estate development in USA, Recession.
Tags: Energy independence, Global Economy, OIL independence, Quality of Living, Recession, SOLAR Power, US economy
4 comments
OIL Power – OIL, the dominant source of energy has impacted the world economy and power struggle among countries for a long time. The effect has been more visible for last twenty five years. Middle East, Russia, other Oil producing countries have enjoyed unprecedented boost to their economy and foreign reserve because of high oil prices. We all know that it is not a pure supply and demand dynamics. This game has worked well because there was no other significant sources of energy that was easily and readily available.
Past Effort to Change – There have been lot of attempts to create new sources of energy including nuclear power, wind energy, bio-fuel, and clean coal. All of these efforts have been successful to some extent, but none of them significant enough to change the dynamic of world economy and power status. Lot of that has to be with the economics of the particular method (bio-fuel, clean coal), time it takes to set up the plan and disposal of waste (nuclear), predictability of the energy generation (wind). As a result, none of the method so far have emerged as a challenge to OIL energy.
Off-course like everything else, corporate interest and desire to maintain power status by countries has further compounded this challenge. Both OIL and defense industry (selling arms to protect the supply of OIL sources) has played a significant role in creating hurdles. Politics has played a big role as well. Keeping the OIL price high forces the poor country to spend their significant resources for buying oil, hence limits investment in other areas for productive growth. Further, the market for automobile has been too large for these corporate to let it go easily.
What Has Changed – It is fair question to ask. There is lot of new dynamic from developing countries to developed countries. Growth in the developing countries India and China have changed the market dynamics for Oil consumption. These countries cannot afford to import OIL they need to support the economic development. Economic development is putting a lot of pressure on the politicians to find alternate source of energy. Developed countries, US and part of Europe have so much debt that they have to figure out a way to reduce OIL consumption. US is suffering the most from OIL dependence. There is lot of domestic pressure in US to end Oil dependence.
Solar, the GAME Changer – We all know that SUN is, as predictable a source of energy as far as humans are capable of visualizing. The capability to harvest this energy on a large scale in a economic way has been a major barrier to solar becoming a challenge to OIL.
Good news is that now we do have a scalable and reasonable economic solution to harvesting solar power. Significant reason for this change is because we can cost effectively manufacture the devices capable of harvesting this energy as opposed to conventional means of either drilling (oil and gas), digging (coal), or changing the course of rivers (Hydro). Recent decision by US government to review sixty seven thousand acres of land for solar power generation is a further validation of the direction of solar based energy. Large corporation currently own large tract of land to participate in the opportunity, I call it SOLAR GOLD. Gold is not black any more.
Impact on World economy and Power – Every country will feel the impact of this change (SOLAR GOLD) differently. It is not possible to discuss every country in detail in this article, So I will talk about some regions, countries. If you would like to discuss a county of your choice, please send me a note @firstname.lastname@example.com
Middle East and Russia, there have been a lot of conversation that OIL at dollar eighty a barrel is what they need. It cost about couple of dollar to produce a barrel of oil. Why do you think world will come to the rescue of Middle east and Russia if Solar is available. While Russia is better positioned then Middle east because of their defense capability, but that is not good enough. President OBAMA is playing the card right by going to Russia, putting the arms control pact and engaging Russia for nuclear issues so that defense capability (industry) becomes a non-issue. These are not well positioned for long term.
China & India – Both countries are heavily dependent on importing Oil and Gas currently. China has been pro-active in securing the oil supply like USA has done for decades. This does change the long term picture. Both countries will resort to using Solar in big way and this position them very well in the long term. These two countries are currently not dependent on Oil Export for their economic prosperity and it will be huge advantage in the long term.
Other developing and emerging countries – This is a mixed bag. Some of the developing countries have OIL export in combination with other industries (Mexico – OIL and manufacturing). Other countries in this block have lot of domestic economy. It is unlikely that any of these countries will ever become a super power. There will be wide range from being no effect to significant impact for each of the country.
Europe – There is part of Europe that is well developed, West Germany, UK, France, Denmark, etc. then there is part of Europe that is still developing such as Eastern Europe. It is unlikely that any country in Europe will be a Super power in the long term, However Europe as a block (European block) has the potential to be a significant player, that is only if they can stay together which is very unlikely. It is human nature. US, China and for that matter some of the countries within Europe will do everything possible to make sure that Europe is divided and chances are that they will be successful.
USA -It is interesting. USA is a huge importer of OIL but also is superpower. How did that happen? Dollar as a world currency has helped USA more than anybody is willing to admit. Defense capability, other industries such as financial services, technology helped USA to be the dominant world power. Immigration policy of USA to attract the brightest from all over world has played a key role. USA is also taking big steps to reduce dependence on the OIL. USA is pushing for electric car as a transport mechanism and pushing Solar to produce bulk of its electricity. Since all this is being done in the private sector with government incentives, USA is moving at a fast pace to maintain the Superpower status.
Every country will have to adjust to this reality of SOLAR GOLD over time. If you are a country that is largely dependent on Oil export only, there is lot of work cut out for you. Country currently importing huge amount of Oil (USA, lot of European, developing countries), there is a significant opportunity for you to position yourself for success. It will require a focused effort, a combination of policy, investment, and incentives both in the area of energy production, education, and infrastructure. A country with a population base (critical mass) will have an inherent advantage (USA, China, India) to play in the super power league.
You have a question, about Global economy, Real Estate, and Politics correlation, feel free to ask.
Bipin Agarwal
Future economy .vs. Bill Gross, George Soros, and Nouriel Roubini June 22, 2009Posted by Bipin Agarwal in Future of transporation, Global Economy, Politics and economy, Recession.
Tags: Global Economy, Real Estate Development, Recession, Twenty Minute Lifestyle, US economy
3 comments
Everybody who has any interest in economy, market, recession, recovery from financial meltdown, probably have either heard or read about these three people;
- Bill Gross (Bond king, PIMCO)
- George Soros (philanthropist, and ex. Hedge fund trader)
- Nouriel Roubini (Dr. doom, NYU economic professor)
If you are thinking, that these three ultra smart people will have similar views and thinking about the current and future state of economy, You are dead wrong. Alan Greenspan, ex. Fed chairman is also very influential, who can move the market but you cannot count on making your economic strategy dependent on him, because he is a paid consultant and he is paid by the likes of PIMCO, UK government, political think tanks, etc. Let me first give you a little background of the above three people, on their incentive, and interest which I believe have hugely effected their views.
Bill Gross: This Sunday June 21st there was front page write up on Bill Gross in New York Times. Article outlined clearly that his view are more reflective of how he is going to make big money based on his partnership and connection with US government. If it is good for him, that is what counts. He is a fund manager and trader. He is a strong supporter of PPIP (Public-private investment program), because that is how he and his funds will make billions in fees and his investors may do well.
George Soros: Last week George Soros wrote in Financial Times that worst of the recession is behind us. Government should continue to do more in the form of stimulus until credit market is liquid, after that, they need to figure out as how to get out of the market and work on reducing their debt. Market are not efficient, his theory of reflexivity (or his fixation with the theory) drives his views. He is a big supporter of OBAMA administration. His life experiences are definitely inspiring. He spends more of his personal time on Philanthropy, and world cause. His most recent gift to Eastern Europe of 100 million dollars to deal with economy is most recent example of giving.
Nouriel Roubini: Dr. Doom as he is now known in the world is a economic professor. He is famous, is making lot of money by consulting, publishing research paper, etc. In the current economic environment, where People are fearful, will pay you a lot of money if they think you have a solution. The fact is, he has no solution, He only has suggestion to government that will not listen to him any way. He is in a safe zone. He is covered. If economy turns out to be his way, he is covered. If economy gets better I do not think people will ask him question and in any case, he will take the credit.
Conclusion & summary: After reading the overview I provided above, and off-course you should read more about them, you cannot formulate any definite point of view of the future economy. But unfortunately, these are the guys who make headlines on Financial Times, New York times, CNBC, Bloomberg, Yahoo news, etc. It is possible that you can make money by investing with Bill Gross, and his funds, You certainly do not want to buy expensive research form Roubini, that will make you only poor and no better insight then you already may have. George Soros is interesting. He is optimistic and making some good obvious suggestion to government.
I personally think that lot of the pain about residential real estate we had to go through is behind us. We still need to realize the full extent of losses for commercial real estate, credit card portfolio loss. It is possible that the loans sitting on the balance sheet of financial institutions are still overvalued, so what? these loans will be written down over time when they mature or people decide to sell their house or foreclose. There could be another couple of hundred billions in write-off by financial and non-financial institutions, however that will not impact the economy much. Biggest unknown right now is, the USA government deficit financing and how it will impact the USA domestic and worldwide economy. Unfortunately, you one can not predict the economic outlook for short or medium term (up to 10 years) based on economic fundamentals only, economy is hugely effected by the political events and strategy. In the long run, it is more important to know, who will come out as a winner once the dust settles down. USA, China, Mexico, Germany, India, Africa, and Brazil are well positioned for long term overall economy. However it will not be a smooth ride. Hold your rope tight.
You have a question, about Global economy, Real Estate, and Politics correlation, feel free to ask.
Bipin Agarwal
Walk Score and Twenty Minute Lifestyle April 27, 2009Posted by Bipin Agarwal in Global Economy, Quality of Living, Real Estate Development in Global Economy, Real Estate Development in India, Real Estate development in USA.
Tags: Global Economy, Quality of Living, Real Estate Development, Twenty Minute Lifestyle, US economy
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April 26, 2009
Today there was a front page article in Denver Post on Walk Score, a Colorado based company. The site give you a walk score based on different facilities from your address. you can check out more at www.walkscore.com
This is a good start but only a small step based on the Twenty Minute Lifestyle (tm) concept promoted by Redhawk Investments Group. All of the development based on Twenty Minute Lifestyle will have a top walk Score of 100.
Walk Score alone is not enough for quality living. Quality of living for a family is based on distance, facilities, and factors such as:
- Place of work
- Long term viability of business and quality of job opportunities
- Environment
- School for kids
- Health care facilities
- Recreation
- Retail
- Affordability
- Quality of infrastructure to support walk or bicyle
- Quality of transportation infrastructure to City or other important
- Quality of neighborhood (income profile and education profile)
- Connectivity to Airport, Highway, Railway station, etc.
I want to thank Walk Score team for validating the concept we have been promoting world wide for almost three years. True quality of living that is vibrant, sustainable, and environment friendly, will require top down approach to future of real estate. Walk score is only a bottom up approach, more useful for real estate brokers then business, families, and environment.
We all know that if you live in down town and you work there, you can walk to lot of facilities, however there are lot of reason that families will not live there or should not live there; including affordability, quality of neighborhood, safety, lack of family interactions, etc. You may have a perfect walk score but totally unsuitable environment to live. There are lot of neighborhood, where Walk Score will be 100, but weather you should live there is a decision you need to make based on factors outside the scope of walk score. In short, Walk Score, good as a selling point for your real estate broker, not good for family. It is these factors, that makes Walk Score a bottom up effort as opposed to Top Down approach of Twenty Minute Lifestyle micro city.
River Walk, a development planned in Fort Collins at I-25 and Harmony, is a good example of Twenty-Minute Lifestyle. Development is planning a suitable mix of commercial, residential, health care, recreation, retail, community supported agriculture (CSA), and other amenities. There be a hub for connecting to public transport infrastructure. When you are living in a Twenty Minute Lifestyle, Walk Score will always be 100 plus so many others things that can not be measured using Walk Score. There are several other such micro city around the world.
Future of real estate in the world will be a cluster of Twenty-Minute Lifestyle micro cities built around the efficient public infrastructure. President Obama announced a high speed train infrastructure for US. This is what China is doing, This is what other developing countries are also planning. To read more about US infrastructure follow the link.
if you have a question, about Global economy, Real Estate, and Politics correlation, feel free to ask
Bipin Agarwal


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Pan European Solutions are delighted to announce that following our successful collaboration with our business partners, CVSL, an agreement has now been signed for them to acquire Kleeneze in the UK.
DALLAS, Feb. 6, 2015 /PRNewswire/ — CVSL Inc.[NYSE MKT: CVSL] announced today that it has signed an agreement to acquire Kleeneze, a United Kingdom-based direct-to-consumer company. The consummation of the acquisition is subject to certain conditions, including approval by the New York Stock Exchange MKT.
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Canyon Hill
This project involved the renovation of 3 bathrooms, as well as applying millwork to the living and dining area for added architecture. Custom designed vanities were tailored to the Clients' needs. A thoroughly enjoyable experience, somewhat of a rare comment for the 'world of renovation'. Clients were lovely to deal with, which inspired fresh new ideas and a job which was smooth sailing!


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by David Aft
Each year, the Community Foundation receives a variety of grant requests, each making the case for an organization or program that seeks to make our piece of Northwest Georgia a little better. The variety of requests is often astounding, as charitable and civic groups compete for grants in an environment where there are always more needs than resources. We receive financial requests that often exceed our granting capacity by five or six times (about $500,000 in requests for every $100,000 in grants). The decisions are difficult, as most requests address important issues and the majority of applicants are able and passionate about their work.
I am quickly approaching thirty years in the nonprofit business and a portion of my work during this time has involved making grants or working with organizations to refine their fundraising pitch and capital campaign strategies, and I have learned a little bit about what makes these efforts successful. There are a few very simple rules organizations can follow to increase their batting average and help build stronger funding and non-funding relationships with key donors and prospective advocates.
Rule #1—Keep It Simple
Develop a concise case for support that includes a simple statement of purpose and the manner in which your organization or program will make a difference. All too often, those seeking funds overwhelm potential donors with too much information. After a while, it's difficult to separate the narrative and supporting material from the ask. Keep it simple, straightforward and focused. Tell us what you hope to accomplish and how we can help. Be specific.
Rule #2—Seek Balance
Make sure your request balances the emotional aspects of your appeal with the business elements of your plan. Research shows that people give to charities for a variety of reasons, but two of the most important are a belief in the project and its goals, coupled with a level of confidence that the organization requesting the funds has the ability to make good on their goals.
Rule #3—Follow Instructions and Answer Every Question
Make sure you provide the information requested. This is key whether you are approaching a foundation, wealthy benefactor, or your cousin Fred. Too many times, those requesting support overlook the fact that their request is probably not the only one being made and that they can improve their chances by delivering a complete application—or ask—prior to the deadline. Be direct, follow the rules, and don't color too far outside the lines.
By following these three, simple rules, your proposal will most likely survive the first "cut" and stay in consideration for support.
David Aft is the president of the Community Foundation of Northwest Georgia. He has worked in the nonprofit field for over twenty-five years and is a recognized resource and noted speaker on charitable enterprise, civics, fundraising strategy and community development.


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Krystal Cantu
CrossFit | San Antonio, TX
My name is Krystal Cantu and I am a 25 year old adaptive CrossFit athlete. I've been doing CrossFit for over a year and now train at Ballistic CrossFit out of San Antonio Texas. I was involved in a car accident on August 2, 2013 which resulted in the amputation of my right arm. I continued training a month later and with the help of my coaches began competing in various local CrossFit competitions. I work a full time job at Rackspace (an IT hosting company) and train 1-2 hours, 5 days a week.
I would have to say that my "aha" moment was the first day I stepped into a CrossFit box. I completed the WOD, felt like puking afterwards ... and immediately wanted to know what tomorrow's WOD was. I had never been pushed to keep going nor did I ever have anyone to coach me the way those coaches did. I went home and looked into CrossFit even more ... I looked up competitions, I saw footage from the CrossFit Games and I knew this sport was what I needed. That change in me was immediate; When I want something bad enough, I'll do whatever it takes to get there.
I have never looked to one person or thing for inspiration. I like to find inspiration any and everywhere I turn. I can find inspiration in a fictional book, bible verse, graffiti on an old building, an old college professor, my boyfriend, a thank you note ... you name it. Why look to any one person or thing when you can find true beauty and inspiration in everything? You'll come to appreciate life much more when you find inspiration and happiness all around you
To Never Settle is to never give up ... Never settle for a job that pays good money but makes you unhappy. Never Settle for a friend who only calls you when they need you. Never Settle for a trainer who just looks at themselves in the mirror for an hour while you bust your ass. Never Settle for anything other than the best. You're capable of more than you think. You better yourself as a person by expecting the best of yourself every day. Repeat the two words in your head every day ... Never Settle! Remind yourself that life is short and you should never settle for anything that doesn't make you happy.
So far my biggest achievement is becoming a 1st Phorm athlete. And, no ... I'm not being cheesy. I told Daniel a while back that my goal was to become a sponsored athlete. I wanted nothing more than to represent something that was bigger than me, something that I would be proud to stand behind. Being sponsored, to me, was going to be a huge accomplishment. It was going to show me that adaptive athletes still have a chance out there. I cried like a child who just found out they were going to Disney World when I got picked. When I saw Ami's video and I heard Andy talk, I knew right then and there that 1st Phorm was the company for me. These were the people who went against the norm. These are the people who can help me make a change in this world. Not just for adaptive athletes, but for people everywhere. I wanted to become a part of that to share the vision!
My family and my boyfriend, Daniel are what keep me going. I was raised by two amazing individuals who told me to never quit and to always go after my dreams. They reminded me every day that I could be anything I wanted in life. If I wanted to be a unicorn, they would most likely encourage it. I stay strong for those three people in my life. I want to be Superwoman in their eyes. They push me and motivate me to be a better person and to stay humble no matter what. I never give up because giving up would be giving up on them. I want to be able to support my parents one day the way they have been supporting me my entire life. I never want them to worry. I want them to believe that they too have it within them to be just as strong if something like this ever happened to them. My Mom, Dad and Daniel are everything to me.
My end goal is to make it to the CrossFit Games as a part of an adaptive division. There are so many amazing athletes out there who don't get the recognition they should. I got an email response from Crossfit HQ once saying that there was no scaling/adapting in any of the Open WODs because the end goal was to find the fittest on earth. I thought to myself, "Why can't adaptive athletes be crowned the fittest on earth?" We put just as much heart out there as they do; we work just as hard as they do. Sure, we may not be able to carry as much weight, but I guarantee you I will bust my ass at the games (if given the chance) and show you that ANYONE can have what it takes to be crowned the fittest on earth. We just need to be given the chance.


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I think this quote pretty much sums up my feelings on this situation in Southern Illinois: "Nowadays people know the price of everything and the value of nothing." If you are not aware, just google "Cairo flooding" or even better go to youtube and put in Tilley reacts to flood plan to hear from an elected official.…read more »
From my last post on being so excited on passing my required praxis, I was finally somewhat relieved and ready to start my TFA adventure. I started on my pre-institute work and conducted classroom visits to a school with current TFA CM's and was even more excited and confident in the program and making a…read more »
I guess all of that studying and worrying paid off!! I found out today that I passed the general science praxis and I cannot be more relieved!! I was just so worried…and now I feel ike a weight has been lifted! After getting through that test I think it is finally soaking in that I…read more »
I can honestly say that I have never taken a test and walked out thinking I have no idea how I did on that….needless to say that was my feeling on Saturday morning after the General Science Praxis II. I studied, studied and studied some more for weeks for this test and I just do…read more »
This is my first blog! So please be patient as I learn how to share my thoughts and feelings through this site :). I am both excited and nervous about my upcoming TFA experience and I hope that I can share my experiences with other future TFA Corps Members…I remember before I applied and throughout…read more »


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Jamie Sinclair's father has never asked her for a favor in her life. The former two-star general turned senator is more in the habit of giving his only child orders. So when he requests Jamie's expertise as a security specialist, she can't refuse—even though it means slamming the brakes on her burgeoning relationship with military police officer Adam Barrett. Just like that, Jamie hops aboard a flight to London with a U.S. State Department courier carrying a diplomatic pouch in an iron grip.
Jamie doesn't have to wait long to put her unique skills to good use. When she and the courier are jumped by goons outside the Heathrow terminal, Jamie fights them off—but the incident puts her on high alert. Someone's willing to kill for the contents of the bag. Then a would-be assassin opens fire in crowded Covent Garden, and Jamie is stunned to spot a familiar face: Adam Barrett, who saves her life with a single shot and calmly slips away. Jamie's head—and her heart—tell her that something is very wrong. But she's come way too far to turn back now. (Summary and book cover courtesy of goodreads.com)
Please note: I received a free copy of this book in exchange of an honest review courtesy of TLC Book Tours.
I definitely think that Christoff has improved on "The Kill Shot" with this sequel. (Note: It can be read as a stand-alone, however some background are explained in "The Kill List"). Jamie is once again stuck between a rock and a hard place and is forced to help out someone, in this case her dad, who she perhaps would rather not.
This book was jam-packed with action and twist and turns I wasn't expecting. Even the ending when some of the big reveals had been shown there were a few things that caught me by surprise. Of course there were some moments of "Why aren't you suspicious of that as a PI?!?!", but Jamie was more emotionally invested in this one making it complicated. I read the book in two sittings and certainly will be interested in reading more of the series.
Warning: Contains violence
Rating: 5 stars!
Who should read it? Mystery fans looking for a female lead who isn't a delicate flower.
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[Listen] Bon Iver - "Beth/Rest" (iTunes Session)
Today, Bon Iver released their iTunes session, which comprises of a seven-song live set with the majority consisting of cuts from their eponymous sophomore LP. Also included in the iTunes session is the band's cover of Björk's "Who Is It," which they've performed before in concert. Below, you can listen to the live session version of "Beth/Rest," and make sure to head to iTunes to preview the entire live album.


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Men's Basketball
Mark Story: 'Confusing time' for Kentucky NCAA schools not named UK or UofL
Rumblings that the five "Rockefeller conferences" of major college sports — the ACC, Big Ten, Big 12, Pac-12 and SEC — may secede from the rest of the NCAA have never been louder. The launch of the new $EC Network symbolizes a financial gulf between the haves of Division I college sports and everyone else that is ever-widening.
For those Division I schools outside of the "high-major" gated community, there may never have been a more uncertain time. In Kentucky, we have five such schools.
Western Kentucky is still a relative newcomer to playing football in the FBS. Eastern Kentucky and Murray State both play scholarship FCS football. Morehead State plays non-scholarship FCS football. Northern Kentucky, which is in its transition period moving from Division II to D-I, does not play football at all.
Such schools could see their worlds torn asunder if the big boys bail.
A split of some sort could be the end of big-money football guarantees that help schools in leagues like the Ohio Valley Conference make budget. It could also end the NCAA men's basketball tournament as we know it. That would remove the main financing component for all NCAA sports other than FBS football.
"It's a confusing time," Morehead State Athletics Director Brian Hutchinson said last week. "You have to pay attention to (the national scene). At the same time, the only thing we can really do is worry about ourselves and try to make our league (the OVC) more stable."
Simon Gray, Eastern Kentucky's acting athletics director, said part of what makes the present time so uncertain for schools at the OVC level is how many conflicting statements are coming from the major conferences.
"Guys in the same conference will send signals that are completely opposite. It's just very hard to get a good read nationally," Gray said. "I've sort of taken my cue from the NCAA President, Mark Emmert, who said he does not think (a split) is likely. But how solid that view is, I don't know."
WKU AD Todd Stewart said he believes the recent move by Atlantic Coast Conference schools to grant their television rights to the league through 2027 — meaning if a school left to join a new conference in the time span the ACC would retain the rights to their TV revenues — has secured the current college landscape for now.
"I think that ACC grant of rights has stabilized the situation," Stewart said. "I think you will see kind of a 'taking a breather' phase until people see how the new (FCS) football playoff (which starts in 2014) works out."
Issues for every school
The uncertain landscape of Division I college sports raises big questions for most every school.
Conference realignment's churn has already moved Western. A member of the Sun Belt Conference since 1982, WKU will join Conference USA for the 2014-15 school year. That will put the Hilltoppers in a league with UAB, UTEP, Marshall and Louisiana Tech, among others. WKU will also reunite with rival Middle Tennessee State, which is leaving the Sun Belt for C-USA this summer.
"I think playing against teams like UAB, Marshall, Southern Mississippi, Louisiana Tech, and of course Middle, will create a lot of energy in our community and on our campus," Stewart said. "I think ... this will be an exciting era for WKU and its fans."
EKU has watched the conference musical chairs create a demand for teams that has caused some of the most tradition-rich FCS football schools to move up to the FBS. Georgia Southern and Appalachian State, to name two, will join the Sun Belt in 2014.
Eastern is a school of similar profile to those schools. Its ancient archrival, WKU, has already made the move up to FBS football.
The potential of EKU also moving up "does get talked about," said Gray. "We've watched what happened with Western, have looked at their finances. It's something you monitor, but I don't know what our future holds."
Morehead State phased out football grants-in-aid in the 1990s. Its OVC rival Austin Peay, which did the same, has now resumed scholarship football.
Given the financial uncertainty if the major conferences separated from the rest of Division I, is Morehead better off without the cost of football scholarships moving forward? Or is its athletics department a less attractive entity to whatever could form after an NCAA split because it does not have pigskin grants-in-aid?
"There's a lot of things that would go into that," Hutchinson said of a return to scholarship football at Morehead. "People still talk about that, but it's not something on the immediate horizon, I don't think."
(Interestingly, the non-scholarship Pioneer League, in which Morehead plays football, will for the first time in 2013 have an automatic bid to the FCS playoffs).
In the big picture, schools further down the Division I food chain than the five glamour, big-bucks conferences face a hard reality: Their fates are apt to be determined by forces outside of their control.
"Our main goal," EKU's Gray said, "is not to lose anything we have now."
Said Morehead State's Hutchinson: "I remind our people that, whatever is going to happen or not happen, there will be a place for Morehead State University somewhere. So sitting and worrying about things (outside of our control) is not going to help us."


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Flowey "poncho like" accessory to brighten up your day! Wear over your head with the seam in the back for a symmetrical look or with the seam on the shoulder for an asymmetrical thinning affect as a poncho. The Sconcho can also be put around your neck and feed the tails through to look like a scarf.
Product shown on main page is Autumn Leaves (#1)


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An Atlas of the Horizons is a product of my passion for tabletop roleplaying. It has gone through countless revisions, more playtest sessions than I can recall, and has been a pet project for over 5 years.
I am launching this Kickstarter to bring you a roleplaying game that focuses on unique, interesting characters in a world just coming into its own. Its citizens harness the power of aestus to cast spells and the laws of nature to build magnificent machines. Its cultures examine their values and goals, ready to be guided by new leaders. Its boundaries fade away as people once driven from their lands and others just arriving search for their place in this evolving world.
The descendants of ancient Mayagispar had spread throughout the charted lands, from the Masudi Mountains in the east, to the Teeming Sea in the west. From the barren expanses of Helenisian desert to the lush gardens of Bvortane. Under the protection of the gods, the culture thrived and expanded, but lived without meaningful contact with other peoples, due to the gods' Decree of Isolation.
But the gods have left. They've sealed themselves in their temples and filled their sanctuaries with vicious beasts, searing fire, and toxic miasma.
Centuries later, the chosen people stand on their own. They are trading with new cultures. They are building machines to make life easier now that they must fend for themselves. They are debating new forms of government and law.
It is an exciting time to be alive—a time of blossoming ideas and frontiers both physical and metaphorical.
The game features budding technology and evolving politics in a fairy tale fantasy world. Armored knights square off against pistol-wielding ne'er-do-wells. Magi fan their internal magic to produce powerful spells, but must be careful not to consume themselves in the flame. Brilliant machinists construct never-before-seen wonders of engineering in a world populated with staunch traditionalists, cunning witches, political visionaries, and talking animals.
To the north, a mysterious autocrat, never seen directly, has conquered a collection of foreign peoples and rules them from a crimson-curtained palanquin. The newly-named Adainians struggle to integrate with the descendants of Mayagispar as revolutionaries seek to undermine their despotic new lord.
In the deserts, the clever Helenisians study the monolithic fragments of the moon Gadeos, which fell from the sky in splinters a century ago. The strange flora and fauna will need to be studied, and in some cases contained or eradicated before they upset the balance of the desert biome.
In the cradle of this empire, the temple-rich city of Fen Yashur is all but abandoned. The divinely-wrought monstrosities and disastrous magical aftershocks that erupt from the city's hundred sanctuaries make the land uninhabitable to all but the bravest. Now the ancient metropolis is sparsely populated by those who maintain their devotion to the gods, and those who wish to remain undisturbed or undiscovered.
Each nation has its own unique agendas, problems, history, and motives, but all are poised to prove themselves and rise out of the shadows of the gods into their own glory.
Players have the tools to make highly customizable characters, without having to worry about what is or is not an optimal build. The game is designed to ensure that there are countless viable character builds, rather than rewarding attempts to stack as many bonuses as possible.
The basis of character creation comes in three parts. A player selects a nature for his character, like the trainer, the knight, or the magus. This determines what special rules and options exist for the character, and explains how he achieves his goals.
- The knight follows his three guiding principles, and overcomes and shirks off things that prevent him from pursuing them.
- The magus accumulates a whirlwind of magical energy called aestus. She can cast more powerful spells than those of any other nature, but the more magic she accumulates, the more likely it will slip through her fingers, backfiring catastrophically.
- The maverick is a paragon of skill. He receives extra skill points as he advances, and develops unique techniques to enhance his skills or utilize them in unusual ways.
- The trainer cultivates the capabilities of a companion, be it an animal, an elemental, a reanimated corpse, or his own shadow given magical life.
- The witch seals pacts with the urcrones, ancient witches who came before her. Her magic is slower and safer than the spells of a magus, and each pact offers flexible influence over a related set of concepts, rather than single-use spells.
- The innovator approaches problems from a technical standpoint. He builds machines and tools to assist himself and his allies. Each device has a branching network of enhancements that can be retooled on the fly or finalized into finished projects.
- The fury lets her anger wash over her. She becomes lost and primal in her rage, and enhances her preexisting talents with special effects whenever she encounters one of the sources of her anger.
The character then selects paths and the gifts that come with them. These determine how his nature is put to use, what tricks he has up his sleeve, and what general tasks he is equipped to face.
- The path of battles hones the melee abilities of a character, granting extra combat options or allowing characters to take better advantage of their chosen weapons.
- The path of elements contains spells for manipulating the physical world, as well as granting dominion over elementals.
- The path of fortune grants the character luck, and helps turn negative situations into positive ones.
- The path of nobility makes a character more fit to rule, and represents the perks that come along with social status and political power.
- The path of wanderlust is followed by those who have seen the world. It may grant contacts in foreign cities, technological vehicles, or familiarity with unusual customs and locales.
- Many more paths exist—24 in total. With up to three paths per character, that's over 16,000 unique combinations of paths and nature. Even more flexibility and customization is offered by selecting what unique gifts each path grants your character.
Finally, the character assigns attributes and skills, detailing the raw potential and training she has accumulated.
The basis of the mechanical system is simple. Each player has a rating in seven attributes (like agility, intellect, and will), and in 16 skills (like composure, fighting, and artistry).
To make any roll, a single twelve-sided die (or skill die) is rolled along with a number of six-sided dice (degree dice) equal to the attribute. If the twelve sided die is equal to or lesser than the skill, then the roll is a success! If it is greater than the skill, the roll is a failure. A degree is then selected from the degree dice to illustrate how much the character succeeded or failed. A higher attribute means more dice to select from, and a better chance of rolling a higher number to select for a greater success, or a lower number to select for a minimal failure. Degree can be the difference between just scraping by with collateral losses or easily overcoming obstacles without breaking a sweat.
Combat in An Atlas of the Horizons is designed to be mutable and ever-changing, with flexible turn orders and each character bringing a unique handful of options to the table based on their character build and weapon of choice. Some weapons will make precise called shots that can turn the tide of combat, others are able to knock an opponent down or stagger them backward.
In general, combat is not a race to kill your opponent before they kill you, and most fights will end without fatalities. The combat and forfeit system creates a milieu where the losing party in a conflict may escape or surrender, but will rarely die unless there is something on the line that they are willing to lay down their life for.
The victors may snag one of the belongings of the fleeing character, discern the answer to a question based on clues left behind, or even inflict a grievous wound, such as a severed hand or missing eye, that will never heal naturally.
The plan is to publish An Atlas of the Horizons as a 6in x 9in book. I have written over 225 pages of content, and my illustrator is providing me with beautiful color illustrations.
The physical book will be a full-color paperback. If we are able to raise $9000 dollars, every copy will be upgraded to a hardcover at no extra charge to backers!
Funds raised though the Kickstarter are predominantly going toward printing and shipping costs, as well as to pay for the remainder of the art.
Add-On Copies
If you would like to have multiple copies of the book, additional copies are available as an add-on for $23 each. Whether you're receiving a signed copy and would like another for personal use, or you'd like multiples for your table, or you'll be giving a copy as a gift, this option will allow you to stock up on a few extra copies of the original offset print run.
This option is only available for tiers that already include an offset print book ($31 and up), and is only available within the US.
Print on Demand Availability for Backers Outside the US
If you back at the $12 dollar level, you will receive a voucher for a PoD copy of the book at cost through DriveThruRPG. The standard color version (which has a lower paper weight and less vibrant colors) is estimated at around $9, and the premium color version (which should be of comparable quality to the offset print book) is estimated at around $26.
You will need to pay that printing cost and the cost of shipping to DriveThruRPG when redeeming the voucher.
DriveThruRPG ships internationally.
Benjamin Williams, Writer
"I have been playing tabletop roleplaying games since I was in elementary school. Between the colorful characters I can bring to life as a player or a game master and the way that game rules and mechanics fit together to create a cohesive whole, nothing engages my mind quite like our weekly game nights. Since I first cracked open a Player's Handbook in 1995, I have seen this hobby and community grow, and have known that I had something to contribute. I am proud to bring my 20+ years of tabletop RPG experience to this project, and am humbled to have access to a community that can help fulfill what has been my dream since childhood. Thank you for taking the time to read about my project, and happy gaming!"
Eleanor Barto, Illustrator
"Someone told me in third grade that my drawings were "pretty decent, I guess", so my artistic ego just became uncontrollable after that and has carried me to where I am today. Talents include juggling, consistent low rolls during D&D campaigns, and shamelessly chasing after dogs. When I can plant myself in front of my sketchbook, I love designing characters and focusing on ways to make media more diverse and inclusive for everyone!"
You can reach Eleanor at email@example.com. Benjamin can be reached through Kickstarter. You can also follow An Atlas of the Horizons on facebook for updates and information.
Risks and challenges
The body of the text is already written, and my illustrator has a head start working on interior art.
Risks still do exist, however. Of course, personal injury, illness, or tragedy could slow down my ability or my illustrator's ability to work on this project.
This Kickstarter alone, however, has been over a year in the making. I have talked to an accountant and read about other project creators' experiences, and I consider myself reasonably aware of the costs and methods of completing this project. This is not something I rushed into, but rather have methodically planned out, making spreadsheet after spreadsheet to calculate the costs of fulfilling orders of various sizes, at different goals and tier prices. I've taken into account not only printing and illustration, but taxes where applicable, shipping (including the costs of packaging), and Kickstarter's fees.Learn about accountability on Kickstarter
Funding period
- (28 days)


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Written by acdc on October 5, 2016>
We create light experiences – far beyond just illumination.
You are cordially invited to experience the acdc, Thorn, and Zumtobel brands of the Zumtobel Group on our joint stand at Light Middle East 2016. Be inspired by the innovative strength and endless possibilities offered by our multi-brand strategy. Our Thorn, Zumtobel and acdc lighting brands provide a complementary product range of luminaires and lighting solutions for global business. The portfolio is completed by services such as NOW from the Zumtobel Group and intelligent applications for the planning of lighting solutions and lighting management systems.
Visit us at stand 4G23
To book an appointment please e-mail firstname.lastname@example.com
About Light Middle East
The brightest and broadest spectrum of the latest products, the most viable solutions and unmatched industry expertise
Over the last decade, Light Middle East has been delivering the opportunity to generate business in the Middle East. Light Middle East is the premier event for the lighting industry in the region and offers a B2B platform to manufacturers, architects, designers, consultants, engineers, construction companies, hospitality industry professionals, government officials and more.
The solutions presented at the Light Middle East Conference will be sought after at the exhibition. More than 325 lighting companies from all over the world took part in Light Middle East last year to support their current business and to create new business opportunities in this promising market.
You can visit the Light Middle East page here: http://www.lightme.net/frankfurt/88/for-visitors/welcome.aspx


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All to frequently, I see QuickTime Files called "Sequence 01.mov" or "Untitled Sequences.mov"
You know why this is bad right? Because you have no idea what that file is.
In the same way you should stay organized in your edit, you should name your sequences and watermark your work.
Being organized means no bins named "Stuff", "Misc.", "Other", or my favorite "Other Misc Stuff."
Naming your sequences means you can look at the file name and know what the sequence is meant for (Approval? Mastering? Client h.264 delivery?)
Watermarking your video helps your client understand what you're giving them. Every version except the final should have a watermark. It protects your work and helps your client know what it's meant for.
Compression Tips like this can be found by attending sessions at Post Production World at NAB (this link includes links to non-PPW sessions)


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We are more than happy to create a design for you, just contact us with your ideas. If you would like to design the sign artwork yourself, please follow the guidelines below:
To provide you with the best representation of your logo on your sign or promotional product, submit your logo electronically. Depending on what your final product is will determine the type of artwork required. Call us with questions before you begin!
We can use files that were created in a variety of software programs. If you don't see your software program listed, contact us to help you determine how to submit your artwork.
Programs we support:
• Illustrator (PC) (.EPS and .AI files)
• PDF Files
• Photoshop (PC) (.JPG, .TIFF, and.PSD files)
• Omega Composer (PC) (.PLT files)
Vector Images are recommended
When supplying artwork for use in the production of large graphics, a vector image (AI or EPS) is the best choice. A vector image is composed of mathematically defined geometric shapes instead of pixels. These images can be scaled up or down without compromising the quality of the image. If your file has photographic images or complex graphics, please see the section "JPG's and other raster files".
Correct Set-Up
Appropriate vector files include Illustrator files that have been CREATED in these programs, NOT imported into these programs. For instance, you cannot create a bitmap file in Photoshop, import it into Illustrator, save it as an .EPS file and expect that you will get a quality image when scaled up. All vector files that include text MUST have the fonts/text converted to curves/outlines. Without this step, the fonts may default to our computer's system font since we may not have the same fonts as you.
How to Save
Regular vector images can be saved in the proper format and emailed to us. Larger files (especially raster files…see below) can be burned and provided to us on a CD- or DVD-ROM, transferred to us using our FTP Site, or uploaded using a file-sharing service like www.dropbox.com.
JPG's and other raster files
For raster files, (.jpg, .gif, .tiff, .psd, etc.) we accept most image formats, but for the best quality we request a 100 DPI (or above) .tiff or .psd file, with the dimensions set to the output size. For instance, if you need an 18"x24" yard sign, the file should be saved as an 18"x24" .psd or .tiff file. 100 DPI is the minimum for DPI and is fine for the majority of artwork, but if you have fine text then please save it at a maximum 300 DPI. In most cases if the original image is the size that it needs to be printed at, there is no loss in quality. However, if an image has to be sized much larger than the original file, some loss in quality can be expected.
What we prefer
If you are designing a sign with text and basic shapes, it is recommended that you set up the sign as a vector image. However, if you do not have access to a program with vector design capabilities, we might have to re-design the graphic so that it is compatible with our software. If your sign is very complex with a wide range of colors, or uses photographic images, a raster image is the optimum choice. If you have questions, please call us before you begin on the design!
Any image that is taken from a web page will not print out with great reproduction. The reason for this is that most web images run about 72 dpi and the graphics are sized to fit a monitor. This is good enough for a computer screen, but not for print. It's impossible to make a 1"x2" image from a web site look acceptable as a 2'x4' sign. However, we might be able to re-create the image for you for a fee if you do not have access to a better format. Again, call with questions!
You may also email Craig at firstname.lastname@example.com or call (515) 232-4500 with any graphics-related questions.


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CAN News: It's The Final Countdown!
We're in the final countdown – less than one week left until your lawmakers hit the sixty-day sprint in Tallahassee.
Florida's annual legislative session begins this Tuesday, March 7 and runs through Friday, May 5. But much of the Legislature's work began months ago – shortly after the November election, in fact – with lawmaker bills filed, referred, and already heard in committee meetings.
In recent weeks, we've shared with you a lot about one legislative issue in particular – SB 398 and HB 483, the Home Tax. While we won't stop talking about estoppels, this week we'll focus on a several other bills that your Community Association Network is keeping a close eye on for you that may significantly impact your community…Click the following link to read more: CAN News: It's the Final Countdown
Read more →


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Deliver unified communications with DECT and WiFi phone systems, handsets, servers, and connected enterprise smart phones.
A WiFi phone system picks up wireless signal from your wireless access points reducing the need for separate base stations and other hardware. WiFi handsets can carry converged voice and data over WiFi infrastructure.
Wireless Local Area Networks (WLANs) using IP enabled wireless data handsets can easily integrate with any standard IP or digital telephone system.
Points to consider
Additional time and planning is required to ensure optimal voice quality and capacity over WiFi infrastructure.
DECT phones have access to a fixed telephone network via radio and connect to a DECT base station. No bandwidth is necessary to install a DECT phone system and DECT handsets can be fitted to any analog, digital or IP lines. DECT phones give users freedom of movement with secured, dedicated voice-only internal connections.
Points to consider
Additional time and planning is required to install and maintain a separate DECT infrastructure.
Spectralink DECT wireless solutions provide a cost-effective, highly secure, and reliable wireless telephony built on the international DECT standard.
The Avaya DECT 3700 series handsets provide high-quality wireless voice communication with mobility across sites.
Telefonix offers a thorough site survey to find access points and assess logistics which helps you decide on the right phone system for your business.
Telefonix can install both WiFi and DECT solutions to meet a variety of business needs.


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Recipe: Chilled Carrot Soup With Clotted Cream, Pistachios, and Mint
July 27, 2010
Laced with fragrant spices, olive oil, and mint, this puréed carrot soup from chef Matt Jennings is packed with flavor. Jennings finishes the dish with a quenelle of clotted cream, which you can make ahead of time by letting a mixture of cream and buttermilk thicken at room temperature. (If you can't do that step beforehand, just grab an imported jar from Whole Foods or Dean and Deluca.)


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Minneapolis Man Sentenced for Conspiracy to Provide Material Support to al Qaeda
|U.S. Attorney's Office July 09, 2009
WASHINGTON—A 35-year-old Minneapolis man was sentenced today in federal court on one count of conspiring to provide material support and resources to al Qaeda.
David Kris, Assistant Attorney General for National Security, and Frank J. Magill, U.S. Attorney for the District of Minnesota announced that on July 9 in Minneapolis, U.S. District Court Judge John Tunheim sentenced Mohammed Abdullah Warsame to 92 months in prison and three years of supervised release.
Warsame, a naturalized Canadian citizen of Somali descent, was charged with one count of conspiracy to provide material support to a foreign terrorist organization—al Qaeda—in a Jan. 20, 2004, indictment returned in the District of Minnesota. A June 21, 2005, superseding indictment also charged Warsame with one count of providing material support to al Qaeda and three counts of making false statements to the FBI. Warsame pleaded guilty to the material support count of the superseding indictment on May 5, 2009. The government has agreed as part of a plea agreement to dismiss the remaining charges.
"I applaud the many agents, analysts and prosecutors whose tireless efforts led to this sentence. This case serves as a reminder of the continuing threats we face as a nation and our resolve to meet those threats," said David Kris, Assistant Attorney General for National Security.
"Today's sentence marks the culmination of many years of painstaking investigative and prosecutorial work, and all those involved in this case, particularly the Joint Terrorism Task Force, deserve our thanks," said U.S. Attorney Magill. "Mr. Warsame has admitted to providing material support to the al Qaeda terrorist organization. Mr. Warsame's actions demonstrate that he was a member of the organization, that he believed in its cause, and that he was willing to violate United States law in support of al Qaeda. The sentence imposed today shows that our battle against terrorism continues, including right here in Minnesota, and that those who knowingly provide support to terrorists will be held accountable for their actions."
According to the plea agreement, Warsame admitted that from about March 2000 through at least December 2003, he conspired with others to provide material support to al Qaeda in the form of personnel, training, and currency.
According to court documents, in March 2000, Warsame traveled through the mountains from Pakistan to Afghanistan, where he attended an al Qaeda training camp outside Kabul. For the next three to five months, Warsame received training in physical fitness, the use of weapons, and martial arts. Warsame also traveled to the front lines with the Taliban and observed combat between the Taliban and the Northern Alliance.
In the summer of 2000, he then traveled to the al Faruq training camp, where he received further military training and met Osama Bin Laden. Warsame described Bin Laden as "very inspirational." At this camp, Warsame was trained in the use of AK-47 rifles, Uzis, and other weapons, as well as training in tactics and navigation. During this time, Warsame again fought for the Taliban and said he was exposed to heavy fighting.
Warsame returned to Pakistan, and while there, he was in contact via e-mail with al Qaeda associates he had met in Afghanistan. In one of those e-mails, Warsame described his time spent at the camps as "one of the greatest experiences of my life. I will be going back there very soon."
In another e-mail dated Dec. 6, 2000, Warsame wrote, "If you have any news or important information please let me know, because I don't want to be late for the action, you know what I mean. We hear there might be an attack soon."
After a few months in Pakistan, Warsame returned to Afghanistan and to an al Qaeda guesthouse. The guesthouse was used as a place of rest for people attending Bin Laden's camp. Warsame was assigned to guard the guesthouse and later met a variety of individuals who have been indicted and convicted of terrorism-related offenses in the United States, including Zacarias Moussaoui and Richard Reid.
Warsame attended an Islamic institute near the guesthouse that taught radical Islam and preached jihad to students and said, according to court documents, the institute's leader was a high-ranking al Qaeda member. Warsame admitted that he approached this individual for money in order to bring his family from Canada to Afghanistan.
Warsame admitted that in March 2001, he traveled from Pakistan via London to Canada and continued his e-mail contacts with the al Qaeda associates he had met in Afghanistan. In addition, he sent approximately $2,000 (Canadian) to one of his former training camp commanders. Warsame also provided information to an individual he met in Afghanistan about the process for entering Canada.
Warsame then relocated to Minneapolis. Throughout 2002 and 2003, he continued to exchange e-mail messages with and provide information to several individuals associated with al Qaeda.
This case was the result of an investigation by the FBI Joint Terrorism Task Force (JTTF). The JTTF is a multi-agency effort combining the resources of federal, state, and local law enforcement. In addition to the FBI, the investigation was conducted with the assistance of the U.S. Department of Homeland Security, the U.S. Immigration and Customs Enforcement, the U.S. Marshals Service, the Minneapolis Police Department, the St. Paul Police Department, the Hennepin County Sheriff's Office, and the Minnesota Department of Public Safety.
The case was prosecuted by Assistant U.S. Attorneys W. Anders Folk, Tom M. Hollenhorst and Michael Ward, of the District of Minnesota, and Trial Attorney Joseph N. Kaster from the Counterterrorism Section of the Justice Department's National Security Division.


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Step up your sales strategy with simulation
Gain rapid understanding and buy-in with real-time product demonstrations
Ideal for Cardiac Device Manufacturers: we can create device specific simulations
Why Simulation?
- Simulation is a shortcut to convincing. Make more sales by demonstrating real life applications on your laptop.
- Increase knowledge base of sales and product management teams.
- Impress customers by creating customised tutorials for specific medical devices.
- Please contact us to discuss how Epicardio can be tailored to your requirements.
Contact us to discuss licensing...
Contact us to discuss your licensing and product customisation requirements
All price quotations refer to 1-year subscriptions with free upgrades and support, include online transaction fees and exclude VAT and any other Sales Tax. Discounts are available for purchases of multi-user, site-wide or multi-year licences
What our customers are saying
ECG Practical
"The ECG practical with Epicardio went really well. Overall I and the other colleagues that helped running the tutorial are very satisfied."
Prof Manuela Zaccolo – Department of Physiology, Anatomy & Genetics, University of Oxford
"If, like me, your learning speed is increased by doing, as oppose to just reading or seeing, then you'll find this tool invaluable. To be able to safely induce life-threatening ventricular rhythm is, understandably, an uncommon occurrence, so a method to facilitate this, is always going to be welcome for students. In Epicardio, however, you get so much more than that. Pacing of all types is covered in depth, real and digitally created ECGs, and an effective test facility really do set this above any of the other programs that I've used. It's also incredibly simple to get the hang of, too."
The Student Physiologist – thephysiologist.org
Extremely Effective
"We are very excited to be able to bring Epicardio, this unique e-learning tool, to our customers. It will be a real added value. The fact that most pathologies are integrated allows the customers an extremely effective ECG reading training."
Dominik Doppler – VP Marketing and Sales of Schiller AG
Real Revelation!
"Epicardio was a real revelation! Had I had access to this type of training, I am sure that I would have been safer, more competent and confident."
Lisa Hadfield-Law – Surgical Educationalist


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US Treasury Released UIGEA Regulations The Department of the Treasury has today released the regulations required by the Unlawful Internet Gambling Enforcement Act (UIGEA). The regulations appear to be as weak and confused as the UIGEA.
The regulations require all banking systems to stop unlawful Internet gambling transactions, but state clearly that it is very difficult to figure out what is deemed unlawful as the UIGEA does not make anything illegal that was not already illegal under federal and/or state law.
The new regs point out the complications of implementing a list of what is and isn't illegal Internet gambling…
"Any government agency compiling and providing public access to such a list {of unlawful gambling sites} would need to ensure that the particular business was, in fact, engaged in activities deemed to be unlawful Internet gambling under the Act. This would require significant investigation and legal analysis. Such analysis could be complicated by the fact that the legality of a particular Internet gambling transaction might change depending on the location of the gambler at the time the transaction was initiated, and the location where the bet or wager was received. In addition, a business that engages in unlawful Internet gambling might also engage in lawful activities that are not prohibited by the Act."
The fact that the regs point out that certain transactions would be legal in some states, but not in others could be interpreted as the government believing that casino games such as poker, slots, bingo, and blackjack, are actually not illegal under federal law and only illegal in states where laws explicitly say they are illegal. The only betting activity deemed illegal under federal law would be on sports, made illegal by the 1969 Wire Act.
This begs the question, can operators such as Party Poker, and/or 888 Holdings, based legally out of the UK, re-enter the US market while only disallowing bets and wagers from citizens in states where online gambling is expressed as illegal?
Currently, Microgaming powered casinos such as All Jackpots, and The Gaming Club, allow gamblers from all states in the US where Internet gambling is not deemed specifically illegal. Could Playtech branded casinos such as the infamous Golden Palace re-enter the US market now too?
Some analysts also believe it would be difficult to determine what is illegal and not because of the exceptions in the UIGEA for the Horse-Racing industry and state run lotteries.
The beginning of the regs also take some of the fear off the actual gamblers in the United States who were nervous about receiving or sending money to any offshore gambling site.
The regs state that the only people who could be held accountable for breaking any of these regulations (thus breaking the laws created by the UIGEA), or implementing these regulations, would be participants, defined as anyone who is "an operator of a designated payment system, or a financial transaction provider that is a member of, has contracted for services with, or is otherwise participating in, a designated payment system. The proposed regulatory definition clarifies that an end-user customer of a financial transaction provider is not included in the definition of 'participant', unless the customer is also a financial transaction provider otherwise participating in the designated payment system on its own behalf."
The costs of implementing a list by the US government to deem certain transactions as unlawful Internet gambling transactions for the banks to use as a guideline were deemed by the Treasury to be 'significant'.
"This is because establishing a list would require considerable fact-finding and legal analysis once the U.S. Government identifies a gambling website. The Government must engage in an extensive legal analysis to determine whether the gambling website is used, at least in part, to place, receive or otherwise knowingly transmit unlawful bets or wagers. This legal analysis would entail interpreting the various Federal and State gambling laws, which could be complicated by the fact that the legality of a particular Internet gambling transaction might change depending on the location of the gambler at the time the transaction was initiated and the location where the bet or wager was received," the regs state.
Just in record keeping alone, the Treasury estimates that it would take 368,254 hours of work to implement these regulations.
The UIGEA, which has been debated as the worst law in United States history, may have been proven to be so with the long awaited release of the regulations for the Act.
The regulations are 52 pages long and can be read in their entirety here.
Stay tuned to Casino Gambling Web for more analysis of the new UIGEA regulations.


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Ayesha Curry is experiencing an admittedly bumpy road to baby No. 3.
The TV personality and wife of NBA star Stephen Curry took to Instagram on Thursday, revealing that the first six months of her pregnancy have been extremely unpleasant.
"6 down 3 to go!" Ayesha captioned a stylish baby bump photo. "Praising God because I can finally eat and cook a little bit again! Pray that it sticks for me y'all! Ive had 5 hospital stays since the new year and have pretty much been sucking at life (at least that's how it's felt.)"
Curry's glass-half-full mentality has kept her going, adding, "I think I'm starting to turn a corner though!!!! Woot woot."


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ISIS mints itself a new currency
Last November, ISIS talked about establishing its own currency as a way to "emancipate itself from the satanic global economic system".
Based on photos posted to social media, it appears they've done it.
The images shared by anti-Islamic State activists in Raqqa show gold coins embossed with a world map.
Other designs on the currency pictured are calligraphic Arabic text and 7 stalks of wheat, which is a reference to Quranic text.
It's believed the money will soon be put into circulation.
Though reports say that one of the gold pieces has an assigned value of roughly 140 dollars, an intelligence analyst notes the money will likely be useless on a global scale.
He said that while the metals used to make the coins will hold their value, "No country will ever recognize it as legitimate."
Regardless, ISIS revealed months ago it intends to make several denominations ranging in worth from a nickel to hundreds of dollars.
In addition to gold, the announced plan was to mint some in silver and copper as well, for a total of 7 variations.


text: "My name is Brandy Somers and I was born and raised here in the Valley. I teach Art I and Crafts I & II at Broadway High School. In addition to teaching full-time, I am also the mother of two wonderful children, an artist, photographer, Co-Founder of Art Lotto & Wonderkittens (both are collaborative portrait shows, one for adults and one for children), Co-Founder and photographer for local blog I Love My Burg, board member at Spitzer Art Center, writer and lifestyle photographer for Friendly City Lens, part-time contributor to Family Talk Magazine and an all-around lover and supporter of the arts. I have been a part of Larkin Arts, in spirit, since before the doors opened but since its opening I have taught summer classes and planned events for the gallery. I look forward to continuously being a part of the growth and events in the future!"


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Having a cool new office space has one little drawback. We have spent less time exploring great coffee places. Fix is one of them! It's a popular place in the heart of Shoreditch. We have worked there on designs and code, and had meetings with people. Great coffee, and the little bench outside make it complete.
The setting.
Fix 126 is the smaller brother of Fix. It packs loads of seats, which are rather well organized. The tables and chairs feels as they're coming from junior school, not leaving a lot of space for a proper laptop with a coffee on the side. The shop is buzzing with good views on the street, without ever becoming too loud or busy, making it quite energetic and relaxing at the same time.
When you're looking for a place to work from for a short while, and you're in the area, then this is your place. It's perfect to sit down for 45 mins. The Wi-fi is complimentary, however you need to ask for a code which expires after 60 mins (at times it can feel like someone is watching your coffee consumption…).
In the 10 times I went there I've never had an issue in finding a place to sit, and happily worked away for an hour or so. Because of the small tables it's a bit awkward to work with more people as you instantly take up more space in the small coffee shop.
The coffee.
The menu serves all the basic coffee options with some twists. It probably is one of the best coffees (cappuccinos, lattes, and flat whites) we ever had: uncannily smooth. Mostly not too warm, which means you can't leave it too long, if you don't like drinking cold coffee. A basic set of pastries which look and are quite tasty.
Web & Location.
126 Curtain Road
London, EC2A 3PJ
Mon-Fri 7am-7pm
Weekend 8am-7pm
Phone: 020 7033 9555
Know a great coffee place?
Let us know and we will write about it. Send an email to firstname.lastname@example.com


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If you would like to discuss the use of IV sedation during any of the treatments that we offer at Stourbridge Dental & Implant Clinic then please do not hesitate to get in contact and arrange a free consultation.
Imagine being able to be totally calm and relaxed during dental treatments. Here at Stourbridge Dental we use intravenous (IV) sedation, which is administered via the patients arm. It puts the patient at ease during treatments ensuring they are not consciously aware of the dentist or the procedure.
Treatment will only start once the team are sure you are fully sedated and relaxed. Whatever procedure you are having the trained sedation nurse will monitor your breathing and heart rate to ensure you are safe and comfortable at all times.
You will be able to understand and respond to questions from the dental team, but may not remember much about the visit for two reasons;
Firstly, this type of sedation induces a deep sleep like relaxation and patients will not be conscious of what is happening around them. Secondly, for a short time you may experience full or partial memory loss, this is entirely normal and a result of the sedative. You will leave having had a completely relaxing and calm visit to the dentist.
Sedation FAQs
- What treatments can be carried out under sedation?
Any dental treatment can be carried out under sedation depending on how nervous the patient is.
- Can I drive and go to work the same day?
Due to the calm, hazy effect of this sedation you will need someone to drive you home and supervise you for a short time after the treatment. You will be fine for work the next day.
- Is it the same as having a general anaesthetic?
No. the sedation used at Stourbridge dental is a Midazolam sedative. You will not be consciously aware of your surroundings but you will be awake at all times and able to communicate with the dental team. A general anaesthetic will put you completely to sleep and this is prohibited from use in general dental practices.
- Will the treatment hurt?
No. You will not be aware of the treatment happening or any pain. The whole session will seem like a blur and you are likely not to remember anything about the treatment.
- Do you still use a local anaesthetic?
Yes a local anaesthetic is used to numb your teeth and gums using an injection in the required area. Due to the IV sedation you will not be able to feel this.
IV sedation is suitable for:
- Patients aged 16+
- Patients with high anxiety levels
- People who are scared of coming to the dentist
- Patients who have a strong or sensitive gag reflex
- Patients of a nervous disposition


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We're honored and excited to announce that Tina Satter has been named one of 14 artists to receive a Foundation for Contemporary Arts Award.
The panel of judges and other recipients are inspirational and it's a privilege to be included in such a distinguished cohort.
Check out more information about FCA and the grant HERE.


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Let's kick off this summer season by choosing a great Poconos House to Rent for Memorial Day Weekend.
Let the beautiful and calm lakes, silent valleys and hills of Pocono Mountain makes it a destination for all to spend a fantastic weekend for Memorial Day Weekend Getaway. Having a House to Rent in the Poconos allows you to take advantage of a wide range of activities such as fishing, camping, hiking and many other outdoor activities.
A Poconos House to Rent comes with a variety of homes that goes from basic cabins to lavish and everything in between. All our homes are available throughout the year along with year-round availability you are advised to make reservations a bit early if you are planning to stay there for the Memorial Day Weekend.
Many of our Pocono House Rentals offer:
· Hot Tub, Pool Tables & BBQ's
· Game Room & Large Living Rooms
· Fire pit & Fireplace
· Large Spaces & Board Games
· Private and Public, Small & Large Pools
· Waterfront Houses
· Pet Friendly Homes
· 24/7 Customer Service
So, pack your bags, make a reservation today and head right to the Pocono Mountains for Memorial Day Weekend!
Happiness comes to those who are who enjoy it together so spend this Memorial Day holiday in our Pocono House Rentals!


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Optimum Nutrition 100% Casein Protein 1.8kg - Chocolate
Key Features
- 23g of protein per serving
- Protein Blend (Micellar Casein, Calcium Caseinate)
- Slower release protein for longlasting absorption
- Aminogen enhanced
- Ideal for taking before going to sleep
Casein proteins are pH sensitive and gel in the acidic environment of the stomach. As a result, it can take more than twice as long for caseins to be broken-down into their amino acid subcomponents than whey and other proteins. Because of their unique time-released qualities, caseins are aptly described as anti-catabolic or muscle-protecting proteins.
|Optimum Nutrition
|Free UK Delivery?
|Use ON 100% Casein Protein first thing in the morning, immediately before bed, in place of small meals, and/or any other time when delayed protein absorption is desired. To encourage a positive nitrogen balance, consume approximately 1 gram of protein per pound of body weight per day from a combination of high protein foods and supplements. For even better results, consume your daily protein allotment over several small meals spread evenly throughout the day. Read product label before use.
|Protein Blend (Micellar Casein, Calcium Caseinate), Cocoa (processed with alkali), Natural & Artificial Flavors, Salt, Gum Blend (Cellulose Gum, Xanthan Gum, Carrageenan), Sucralose Please note that ingredients listing is a guide only. Ingredients for individual flavours may vary slightly.
|Nutritional Breakdown Per Serving
|Calories 120 Calories from Fat 10 Total Fat 1 g Saturated Fat 0.5 g Cholesterol 10 mg Total Carbohydrate 4 g Dietary Fiber 1 g Sugars 1 g Protein 23 g Calcium 450 mg Sodium 250 mg Aminogen 23 mg Please note that nutritional information and amount per serving is a guide only. Information for individual flavours may vary slightly.
Delivery and Return Details
Free Delivery:
Free delivery to mainland GB addresses on orders over £99 are by either a parcel courier or a pallet courier. See below for further information.
Standard Timescales:
Expected delivery is within 3-7 business days.
One Man Pallet Delivery:
Expected delivery is 3 - 5 business days. All deliveries are made Monday - Friday between 7am and 6pm. These are kerbside only. We advise having two bodies available to help the courier with larger or heavy deliveries. Please note, Powerhouse Fitness advise against one man delivery for larger or heavy orders.
Express Delivery:
Order before 3pm for delivery within 48 hours. Available on selected products only and subject to availability. Friday after 3pm, Saturday and Sunday orders will normally be delivered on a Tuesday.
Two Man/Ground Floor Delivery: (Up to a maximum of 350kgs)
This service is available on larger orders or premium priced products. You will be called to book a delivery day in advance. Subject to suitable and safe access, the couriers will place the product into a ground floor room of your choice.
Parcel Delivery:
All parcels will require a signature.
Please note: Any installations ordered during the month of December will be carried out in January 2019. Installations are a two-man service and are booked with you in advance. Installations are normally within 10-14 working days.
Life Fitness Install is UK mainland only
Commercial/Business Orders Delivery:
For commercial gyms/studios please call the sales team to discuss delivery and installation options.
Delivery times can increase during busy periods of the year. Please call to confirm current lead times if you require a quicker or dated delivery.
Different Deliver Address / ID Checks
We can carry out further checks to verify the cardholders details, such as requesting identification. We will never ask for any sensitive information to be sent to us. Please note the confirmation email is an acknowledgement and is not an acceptance of your order
Delayed Delivery
If you are looking for an extended delivery time or to delay the dispatch of your order please call us as charges may apply.


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N-Daguva-Zeba is the stag beetle-like lord of the Gurongi, code-named Unidentified Life Form #0, and the main antagonist of Kamen Rider Kuuga.
He was portrayed by Kenji Urai.
Kamen Rider Kuuga
Daguva fought the original Kuuga in his Imperfect Form, and was defeated. He was sealed by Kuuga in his sarcophagus along with him.
He is reawakened in modern times when he is unsealed by a team of archaeologists. Upon his release, he kills the archaeologists and revives the other Gurongi to restart the Gegeru, killing off 152 of the Gurongi he views as inferior. He also at some point gained a human form.
He later fights Kuuga in his Amazing Mighty Form and defeats him. However, he lets Kuuga live and allows him to get stronger to pay him back for not interfering with his trip around the country.
Daguva then initiates a systematic genocide of the human population in Japan. He later tells Yusuke to meet him at Mount Kuro for a final confrontation. Yusuke meets him in his Ultimate Form and Daguva assumes his Gurongi to fight Kuuga.
The two battle each other to the point that they're too weak to maintain their fighting forms. Despite this, they continue to fight each other as humans. Daguva eventually succumbs to his wombs and dies. His last action is to laugh and hope Yusuke becomes extremely violent and aggressive like he is.
Kamen Rider x Super Sentai: Super Hero Taisen
N-Daguva-Zeba appeared as a member of the revived Dai-Shocker. He participated in the final battle between the combined forces of the Kamen Riders and Super Sentai and the Shocker-Zangyack Alliance.
Kamen Rider Zi-O
An A.R. World version of Daguva is among five villain leaders summoned by Swartz in the final battle, alongside Gamedeus, Utopia Dopant, Evolt and Sagittarius Zodiarts.
- N-Daguva-Zeba appears in the Kamen Rider video game All Kamen Rider: Rider Generation 2 as an enemy.


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Open a CFD Account
1. Fill in & submit the forms
2. We will validate your eligibility
3. Account Confirmation
Account Application
No Existing POEMS Account?
Open a Phillip Investment Account with CFD trading facility online. It's quick and easy and takes less than ten minutes to complete!
- At least 21 years of age
- Not a U.S Person (an individual who is a U.S citizen or U.S resident)
- Not a bankrupt
Singaporean/ Singapore PR/ Foreigner residing in Singapore
- Identity Card (Pink or Blue)/ Passport with at least 6 months validity (Foreigners only)
- A bank statement issued within the last 3 months OR
- Latest CPF 3 months Contribution History Statements
Self Employed
- A bank statement issued within the last 3 months OR
- Latest Income Tax Notice of Assessment (from IRAS)
For mailing address which differs from your Identity Card / Passport (for Foreigners), please provide supporting document(s) that reflects your mailing address such as:
- Utility bills OR
- Statement from a Bank or branch regulated by MAS OR
- Correspondence from any of the statutory boards or government bodies
All copies of documentation must be scanned or photographed from the original source documents.
- Malaysia Identity Card AND
- A bank statement issued within the last 3 months
For Mailing address which is different from your Identity Card, please provide supporting document(s) that reflect your mailing address such as:
- Utility bills OR
- Statement from any Financial Institutions in your country OR
- Correspondence from any government bodies in your country
All copies of documentation must be scanned or photographed from the original source documents.
Foreigner not residing in Singapore
- Passport with at least 6 months validity AND
- A bank statement issued within the last 3 months in your countryFor residential and mailing addresses which are different or not indicated in your passport, please provide supporting document(s) issued within the last 3 months that reflect your residential and mailing addresses such as:
- Utility bills OR
- Statement from any Financial Institutions in your country OR
- Correspondence from any government bodies in your country
For verification purposes, you may choose to:
- make an initial deposit (of not more than SGD 1,000 or its equivalent in any currency) via internet banking from your own bank account in Singapore, into our bank account (Phillip Securities Pte Ltd). Please indicate '0000000' as the consumer reference number.Or
- make an initial deposit via telegraphic transfer (of not more than SGD 1,000 or its equivalent in any currency) into our bank account, with your name provided in the bank's TT payment advice to show that funds are withdrawn from your own account with the bank (this is applicable only to applicants residing in FATF member jurisdictions). Please indicate 'NEW – *your identification / passport number as per application* e.g. NEW – A123456 ' in the remarks section. Our staff will be contacting you to provide you with the relevant TT details.Or
- provide copies of documentation which must be scanned or photographed from the original documents and must be signed by a Commissioner of Oath or Notary Public. The required signed documents to be sent to us after completion. For your convenience please click here for a self-address envelope.
Already have a POEMS Account?
Login to POEMS > Acct Mgmt > CFD > Online Account Opening
Alternatively, Please print out, complete the forms and mail to:
CFD Department
250 North Bridge Road
#06-00 Raffles City Tower
Singapore 179101
Customer Knowledge Assessment (CKA)
As a regulatory requirement, all investors are required to complete the Customer Knowledge Assessment (CKA) to trade CFDs. The different methods to achieve a pass in CKA can be found in the CKA form.
You may declare your CKA status through the following methods:
1. After your CFD account is opened, declare online by logging into POEMS 2.0 > Acct Mgmt > Stocks > CAR & CKA Form
2. Download the CKA form here, complete the form and email it firstname.lastname@example.com.
If you do not meet any of the CKA criteria, you may sit for the "Contracts for Difference" e-Learning module jointly developed by the Association of Banks in Singapore and Securities Association of Singapore.
How to Get Started
Submit withdrawal form* to transfer funds from your Stock to CFD account.
Daily (trading day) cut-off time: 10am
*Login to POEMS account > Acct Mgmt > Stocks > Online Forms > Withdrawal Form > To transfer into account XXXXXX (CFD)
Account Opening Promotions
Receive up to 5 free CFD trades when you fund your CFD account with a minimum of S$5000 within the first 2 weeks. T&Cs apply.
Be ahead of the market, and receive the latest market analysis and insights powered by Trading Central everyday.
Other Matters
Please take some time to read our Information Sheet before you begin trading CFDs.
Can I open a Phillip Account if I have a trading account with another securities firm?
Yes, there is no restriction to the number of trading accounts you can open.
How can I open an account if I am residing overseas?
For investors residing overseas, it is recommended to open an investment account with Phillip Securities. In accordance with the SGX-ST rules all account applications that are remotely signed require the endorsement by a Notary Public or Commissioner of Oaths. A photocopy of your passport, declaration by the concerned Notary Public or Commissioner of Oaths and the deposit for the account should be submitted together with your application form for an investment account.
Do I need a Central Depository Account or linkage to trade CFDs?
No, you do not need a Central Depository Account or linkage to trade with Phillip CFD.
How long does it take to open a Phillip CFD account?
For existing Phillip Securities customers, the CFD trading facilities will be opened after 1 working day. For new customers, account opening will take around 2 working days.
How do I know if my CFD application is approved?
You will be informed by email when your Phillip CFD account is activated. Your trading representative will also be informed. In addition, you will be granted full access to the CFD trading page on your platform as compared to the partial access before activation.
Is there any maintenance fee for the Phillip CFD account?
There is NO maintenance fee or administrative fee for the Phillip CFD account.
Can I have more than one CFD account?
Each customer is limited to 1 CFD account per trading representative. However, each customer is at liberty to open 1 CFD account with different trading representatives.